1. Regional Rural Banks are classified under _____?
(a) Land Developments Banks
(b) Co-operative Banks
(c) Commercial Banks
(d) Public Sector Banks
(e) None of the Above
2. The chairman of Regional Rural Bank is appointed by _____?
(a) State Government
(b) Reserve Bank of India
(c) Central Government
(d) Sponsoring bank in consultation with NABARD
(e) None of the above
3. The issued capital of the Regional Rural Banks was to be subscribed as under___?
(a) Fifty per cent by Central Government
(b) Fifty per cent by State Government
(c) Thirty per cent by sponsoring bank
(d) All the above
(e) None of the above
4. Each Regional Rural Bank is managed by ____?
(a) Board of Directors
(b) Reserve Bank
(c) Sponsoring commercial bank
(d) None of the above
5. Regional Rural Banks have been permitted to pay ½% additional interest on ____?
(a) All deposits accounts except current deposits
(b) All deposits accounts including current deposits
(c) Saving account and time deposits of less than three years
(d) None of the above
6. Land mortgage banks are renamed since 1996-97 as ______?
(a) Land Development Banks
(b) Co-operative Central Banks
(c) NABARD
(d) Lead Bank
(e) None of the above
7. “Micro Finance” is a ______ stage of banking services?
(a) Introduction stage
(b) Saturation stage
(c) Research stage
(d) Decline stage
(e) None of the Above
8. The Objectives of the Kisan Credit Card is to provide
(1) adequate and timely support from the banking system to the farmers for their cultivation needs including purchase of inputs in a flexible and cost effective manner
(2) finance for the short term credit requirements for crops, including purchase of agricultural inputs, such as seeds, fertilizers, pesticides etc, and draw cash for their production needs
(3) term credit as also working capital for agriculture and allied activities
(4) all of the above
(5) none of the above
9. The Kisan Credit Card Scheme is being implemented by all
(1) Public Sector Commercial Banks
(2) Regional Rural Banks
(3) State Cooperative Banks /DCCBs/PACS nad Scheduled Primary Cooperative Banks
(4) All of the above
(5) None of the above
10. Which of the following Statements about Kisan Credit Cards are correct?
(1) Banks may provide Kisan Credit Cards to farmers who are eligible for sanction of production credit without any floor limit
(2) Credit would be available to the farmers under the scheme in the form of revolving cash credit normally valid for three years, subject to an annual review
(3) The Scheme covers term credit as also working capital for agriculture and allied activities, in addition to short term credit limit for crop/s
(4) all of the above
(5) none
11. The term ‘Moral suasion’ refers to
(a) The banker’s duty of secrecy as regards the affairs and accounts of his customers
(b) Moral duty of a borrower to deal with only one bank
(c) The advice given by Reserve bank to banks/financial institutions in the matter of their lending and other operations with the objective that they might implement or follow
(d) all
(e) none
12. Export-Import bank of India has been set up for the purposes of
(a) functioning as a specialized institution for providing credits to foreign trade on international competitive terms
(b) offering advisory services to exporters
(c) providing refinance facilities in regard to export finance extended by commercial banks and other financial institutions
(d) (a), (b) and (c)
(e)none
13.EXIM bank meets the needs of various groups viz:
(a) Indian exporters
(b) Overseas entities
(c) commercial banks
(d) all
(e) none
14. National housing banks is wholly owned by:
(a) RBI
(b) Housing development finance corporation LTD.
(c) Housing development boards of various states
(d) all
(e) none
15. The main objectives of national housing bank are
(a) To promote and develop specialized housing finance institutions for mobilization of resources and extending finance for housing activities
(b) To extend refinance facilities to housing finance institutions and to scheduled banks
(c) To provide guarantee and underwriting facilities to housing finance institutions
(d) all
(e) none
Answers:
1. C
2. D
3. A
4. A
5. C
6. A
7. A
8. 4
9. 4
10. 4
11. c
12. d
13. d
14. a
15. d
11. The term ‘Moral suasion’ refers to
(a) The banker’s duty of secrecy as regards the affairs and accounts of his customers
(b) Moral duty of a borrower to deal with only one bank
(c) The advice given by Reserve bank to banks/financial institutions in the matter of their lending and other operations with the objective that they might implement or follow
(d) all
(e) none
12. Export-Import bank of India has been set up for the purposes of
(a) functioning as a specialized institution for providing credits to foreign trade on international competitive terms
(b) offering advisory services to exporters
(c) providing refinance facilities in regard to export finance extended by commercial banks and other financial institutions
(d) (a), (b) and (c)
(e)none
13.EXIM bank meets the needs of various groups viz:
(a) Indian exporters
(b) Overseas entities
(c) commercial banks
(d) all
(e) none
14. National housing banks is wholly owned by:
(a) RBI
(b) Housing development finance corporation LTD.
(c) Housing development boards of various states
(d) all
(e) none
15. The main objectives of national housing bank are
(a) To promote and develop specialized housing finance institutions for mobilization of resources and extending finance for housing activities
(b) To extend refinance facilities to housing finance institutions and to scheduled banks
(c) To provide guarantee and underwriting facilities to housing finance institutions
(d) all
(e) none
Answers:
1. C
2. D
3. A
4. A
5. C
6. A
7. A
8. 4
9. 4
10. 4
11. c
12. d
13. d
14. a
15. d
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