11. ________ means drawing two parallel lines on the face of the cheque with or without additional words like “& CO.” or “Account Payee” or “Not Negotiable”.
1. Order Cheque
2. Bearer cheques
3. Open cheques
4. Crossed cheque
5. Blank cheque
Option “4” is correct. Crossing of cheque means drawing two parallel lines on the face of the cheque with or without additional words like “& CO.” or “Account Payee” or “Not Negotiable”.
12. Identify the correct statement regarding Mutilated cheques?
(i) It is a torn cheque.
(ii) Banks generally do not process torn cheque payments without the drawer’s confirmation
(iii) The written amount on the cheque will not be transferred to the payee until the specified date is met
1. Only (i)
2. Only (ii)
3. Only (i) & (ii)
4. Only (ii) & (iii)
5. All (i), (ii) & (iii)
Option “3” is correct. Mutilated cheques · A torn cheque is called a mutilated cheque. · Banks generally do not process torn cheque payments without the drawer’s confirmation. · If a cheque is not severely damaged and no vital information or facts are lost, the bank may process the cheque payment.
13. Which of the following cheque is written by the account holder as pay self to receive the money in the physical form from the branch where he holds his account?
1. Stale Cheque
2. Mutilated Cheque
3. Self Cheque
4. Truncated Cheque
5. Order Cheque
Option “3” is correct. Self cheques · Self cheques are issued by the drawer himself. · They are drawn only when the drawer wishes to withdraw an amount from his/her bank account. · These types of cheques should be handled carefully as if they get misplaced or lost, some other person might encash the cheque by visiting the drawer’s bank.
14. Gift cheques are used to give a specific amount of money to the receiver in the form of a cheque rather than directly giving hard cash to the receiver. These cheques can be purchased how many times?
1. 6 times
2. 2 times
3. 5 times
4. 10 times
5. No limit
Option “5” is correct. Gift cheques · Gift cheques are used to give a specific amount of money to the receiver in the form of a cheque rather than directly giving hard cash to the receiver. · These cheques are issued in a decorative form. · There is no limit to the number of gift cheques that can be purchased.
15. Identify the type of cheque from the information provided below-
These cheques are those in which the drawer only signs the cheque and leaves the remaining columns blank. The drawee can add the amount on the cheque. These cheques demonstrate the parties’ level of trust.1. Blank cheque
2. Mutilated Cheque
3. Self Cheque
4. Truncated Cheque
5. Order Cheque
Option “1” is correct. Blank cheque · Blank cheques are those in which the drawer only signs the cheque and leaves the remaining columns blank. · The drawee can add the amount on the cheque. · These cheques demonstrate the parties’ level of trust.
16. Post-dated cheques are the ones that bear a later date than the date of the issue. The cheque remains valid for a period of _______ from the date it was written by the drawer-
Option “2” is correct. Post dated cheque · Post-dated cheques are the ones that bear a later date than the date of the issue. · The written amount on the cheque will not be transferred to the payee until the specified date is met. · The cheque remains valid for a period of 3 months from the date it was written by the drawer.
17. Open cheque is made payable to the person presenting it to the drawee. It is also Known as-
Option “5” is correct. An uncrossed cheque or an open cheque is a cheque that has not been crossed with two parallel lines on the top left corner. Such cheques can be encashed at any bank. You can collect the money for the cheque from the bank counter. It can also be transferred to the bank account of the person who presented the cheque
18. A cheque which is truncated during the course of clearing cycle is called __________
Option “4” is correct. According to the Negotiable Instruments Act a truncated cheque is a cheque “which is truncated during the course of a clearing cycle either by the clearing-house or by the bank whether paying or receiving payment immediately on production of an electronic image for the transmission, substituting the further material movement of the cheque in writing”.
19. Cheque Truncation is a system of cheque clearing and settlement between banks based on electronic data or images or both without material exchange of instrument. Cheque truncation is being presently used in many countries and is being introduced in India in –
1. 2005
2. 2006
3. 2007
4. 2008
5. 2009
Option “2” is correct. Cheque truncation is being presently used in many countries and is being introduced in India in April 2006.
20. Identify the type of cheque from the given Information-
A cheque issued by a bank for a fee, containing a fixed amount. These cheques are enchased or used to make payment in a foreign country, after endorsement by the signature of the holder.1. Order Cheque
2. Disorder cheques
3. Open cheques
4. Crossed cheque
5. Traveller’s cheque
Option “5” is correct. Traveler’s Cheque is a cheque issued by a bank for a fee, containing a fixed amount. These cheques are enchased or used to make payment in a foreign country, after endorsement by the signature of the holder.
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