1. Which Indian currency note has security thread?

1. Rs.50/-
2. Rs.100/-
3. Rs.500/-
4. Rs 200
5. All of above

Option “5” is correct.
Rs.1000 notes introduced in October 2000 contain a readable, windowed security thread alternately visible on the obverse with the inscriptions ‘Bharat’ (in Hindi), ‘1000’ and ‘RBI’, but totally embedded on the reverse. The Rs.500 and Rs.100 notes have a security thread with similar visible features and inscription ‘Bharat’ (in Hindi), and ‘RBI’. When held against the light, the security thread on Rs.1000, Rs.500 and Rs.100 can be seen as one continuous line. The Rs.5, Rs.10, Rs.20 and Rs.50 notes contain a readable, fully embedded windowed security thread with the inscription ‘Bharat’ (in Hindi), and ‘RBI’. The security thread appears to the left of the Mahatma’s portrait. Notes issued prior to the introduction of the Mahatma Gandhi Series have a plain, non-readable fully embedded security thread.
2. The ratio between cash in hand and total assets maintained by the banks is called:

1. SBR (Statutory Bank Ratio)
2. SLR (Statutory Liquid Ratio)
3. CBR (Central Bank Reserve)
4. CLR (Central Liquid Reserve)
5. MSF (Marginal Standing Facility)

Option “2” is correct.
In India, the Statutory liquidity ratio is the Government term for the reserve requirement that commercial banks are required to maintain in the form of cash, gold reserves, PSU, Bonds and Reserve Bank of India- approved securities before providing credit to the customers.
3. What is the apex organization of Industrial Finance in India?

1. Industrial Finance Corporation
2. Industrial Credit and Investment corporation of India
3. Industrial Development Bank of India
4. Industrial Board for reconstruction and Development
5. None of these

Option “3” is correct.
The Industrial Development Bank of India (IDBI) was established in 1964 as an apex financial institution to provide credit and other financial facilities for the development of the fledgling Indian industry.
4. The place where bankers meet and settle their mutual claims and accounts is known as:

1. Treasury
2. Clearing House
3. Collecting Centre
4. Board room
5. Meeting House

Option “2” is correct.
A clearing house is a financial institution formed to facilitate the exchange (i.e., clearance) of payments, securities, or derivatives transactions. The clearing house stands between two clearing firms (also known as member firms or participants).
5. What is the ideal of designing Regional rural Banks?

1. Work on basics of commercial banks
2. Help the targeted groups
3. Keep lending rates lower than cooperative institutions
4. Work on innovative and adaptive ideals
5. Maximize profit

Option “2” is correct.
The main objective of RRB is to provide credit and other facilities particularly to small and marginal farmers, agricultural laborers, artesian and small entrepreneurs and develop agriculture, trade, commerce, industry, and other productive activities in the rural areas.
6. Which of the following is not an asset held by commercial banks?

1. Bills of exchange
2. Current account deposits
3. Money lent at short notice
4. Credit balances with the Reserve Bank
5. Overdraft

Option “2” is correct.
Deposit is not an asset of a commercial bank; it is a liability of the bank since it has to returned the deposit of customers when demanded in case of saving or current account or on the maturity of the date in case of fixed deposit.
7. Which of the following provides the largest part of the demand for loanable funds in India?

1. Farmers
2. Private-house purchasers
3. Hire-purchase borrowers
4. Corporate businesses
5. Sole proprietorship

Option “4” is correct.
Banks provide major portion of their loans to Corporate Business to have a higher and safe return.
8. In India, which of the following have the highest share in the disbursement of credit to agriculture and allied activities?

1. Commercial Banks
2. Cooperative Banks
3. Regional Rural Banks
4. Microfinance Institutions
5. Payment Bank

Option “1” is correct.
In India, commercial banks have the highest share in the disbursement of credit to agriculture and allied activities. The commercial banks disburse around 60% credit followed by cooperative banks around 30% and RRB and others.
9. Private Sector Mutual Funds in India were permitted in which year?

1. 2001
2. 1994
3. 1993
4. 1964
5. 1996

Option “3” is correct.
It was 1992. The Indian economy had just been opened up. The Narasimha Rao government allowed private sector into the mutual fund industry in its historic Union budget of 1991-92. Before this, all fund houses were sponsored by state-owned firms, with the Unit Trust of India being an overwhelming market leader. Private sector entered mutual fund industry only in 1993 with Kothari Pioneer getting the license in July 1993 to operate in India. The mutual fund industry in India started in 1963 with the formation of Unit Trust of India, at the initiative of the Government of India and the Reserve Bank of India.
10. Which of the following combinations are correct?

1. NABARD — Industrial Loans
2. RBI — Long term finance
3. RRB — Agricultural finance
4. IDBI — Short term loans
5. IBRD— Working Capital loan

Option “3” is correct.
NABARD provides Agricultural loans. RBI is the central Bank, RRB provides Agri finance to people in Rural areas, IDBI is a commercial Bank which accepts deposits and lends loans. IBRD- The International Bank for Reconstruction and Development is an international financial institution, established in 1944 and headquartered in Washington, D.C., United States, that is the lending arm of World Bank Group. The IBRD offers loans to middle-income developing countries.

 

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