General & Banking Awareness Bits for IBPS Exams - Set 4

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1. What is the full form of NBMSME ?
1. National Bank for Micro, Small and Medium Enterprises
2. National Board for Micro, Small and Medium Enterprises
3. National Board for Micro, Selected Medium Enterprises
4. National Bank for Medium and selected Medium Entrepreneurs
5. None of the above
2. NRI Deposits are classified under:
1. Capital a/c
2. Current a/c
3. Special Foreign Deposit Account
4. Either b or c
5. None of the Above
3. Which type of machine is used by Business Correspondents?
1. Micro ATMs
2. POS
3. Biometric Card Reader
4.  Solar empowered
5. Water resistant
4. _____ provides Clearing House facilities for netting of Payments and Security delivery:
1. Primary dealers
2. Banks
3. Stock exchanges
4. All of the above
5. None of the above
5. ____ is the regulatory authority for Mutual funds:
   
1. IRDA
2. SEBI
3. RBI
4. Ministry of Corporate affairs
5. All of the above
6. The Main activity of the Financial Intelligence Unit India (FIUIND) is to control:
1. Tax Evasion
2. Money Laundering
3. Terrorism
4. Avoiding NPAs
5. Avoiding frauds in ATMs
7. Primary dealers deal in:
1. Shares 
2. Insurance
3. Government securities
4. None of the above
5. All of the above
8. the payment of a lost demand draft is made to the ______?
1. Purchaser
2. Payee
3. Nominee
4. Any of the above
5. None of these
9. In the case of granting loan against a life insurance policy, the banker should see ______?
1. The existence of insurable interest
2. The surrender value
3. The admission of age
4. All of the above
5. None of the above
10. When a debtor owes several debts to a banker and makes a payment, the right to appropriation lies with ______?
1. The banker
2. The debtor
3. The court
4. All of the above
5. None of the above
11. In terms of Section 31 of the Reserve Bank of India Act, 1934 a demand draft payable to bearer may be issued only by ______?
1. Nationalized Banks
2. Scheduled Commercial Banks
3. Reserve Bank of India
4. Foreign Banks
5. None of the Above
12. Unsigned demand draft is presented for payment, the drawee branch will ______?
1. Honour it
2. Dishonour it since it does not have a mandate of the drawer bank to pay it.
3. Honour it after seeking confirmation from the collecting bank
4. Honour it if it is for small amount
5. None of the above
13. When was SBI established?
1. 1st April 1935
2. 31st July 1969
3. 5th May 1955
4. 1st July 1955
5. None of the above
14. The maximum number of partners in a non-banking partnership firm is ______?
1. 20
2. 10
3. 25
4. 11
5. None of the above
15. Which of the following agencies /organizations has recently decided that all the Stock Exchanges would introduce physical settlement of Equity Derivatives?
1. Reserve Bank of India
2. Bombay Stock Exchange
3. Registrar of Companies
4. Securities & Exchange Board of India
5. All of the above
16. How much bad loans was accumulated with the public sector banks as on 31st March 2015 as disclosed by the Finance Ministry on 21st July 2015?
1. Rs. 2.76 lakh crore
2. Rs. 2.54 lakh crore
3. Rs. 2.67 lakh crore
4. Rs. 2.27 lakh crore
5. None of the above
17. In Mutual Funds, NAV is the price of ______?
1. Entire fund value
2. One unit of a fund
3. Surrender value
4. Average value of shares
5. Dividends paid in a year
18. Presently which Indian Bank has the largest number of foreign branches?
1. SBI
2. Canara Bank
3. Bank of Baroda
4. Bank of India
5. None of the above
19. Cash deposit ratio means____ ?
1. The percentage of cash-in-hand- balance with the Central Bank to the aggregate deposits
2. The percentage of total deposits received by Banks
3. The percentage of total cash money received as deposits by banks
4. All the above
5. None of the above
20. Central Government has appointed Sriram Kalyanaraman as the Managing Director (MD) and Chief Executive Officer (CEO) of which of the following organisations:
1. NABARD
2. National Housing Bank (NHB)
3. I.F.C
4. IDRBT
5. B.I.R.D

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