IIBF Final Exam In English

दोस्तों अगर आप इस परीक्षा को पास करना चाहते है | हमारे द्वारा दिए गए प्रश्न को ध्यानपूर्वक पढना समझना और याद करना होगा | क्योंकी हमने जो प्रश्न निचे दिए है ये सभी BANK BC परीक्षा के Previous Year प्रश्न है | दोस्तों ये हर बार IIBF Exam में पुछे जाते है | IIBF Final Exam In English Question और Answer है | दोस्तों ये सभी CSC Bank BC Exam 2024 में आने की 100% संभावना है |

So Let’s Start:- IIBF Final Exam In English

सभी √ मार्क वाले उत्तर सही हैं |

Assessment -1

Q1. We should keep our savings with banks because.

a. It is safe

b. Earns Interest

c. Can be withdrawn anytime

d. All of above√

Q2. Bank does not give loan against.

a. Gold Ornaments

b. LIC policy

c. Lottery ticket √

d. NSC

Q3. Bank having maximum number of branches in India.

a . Reserve Bank of India

b. State Bank Of India √

c. Punjab National Bank

d. Bank of Baroda

Q4. 100/- Rupee note is signed by.

a. Prime Minister

b. Finance Minister

c. RBI Governor√

d. None of above

5. ATM password should be kept in.

a. Personal diary

b. Office diary

c. Memory√

d. All of above

Q6. ATM password to be shared only with.

a. Spouse

b. Obedient

c. Obedient daughter

d. None of above√

Q7. Nomination can be done in.

a. Savings Bank account

b. Recurring Deposit account

c. Fixed Deposit account

d. All of above√

Q8. Who is the present Governor of RBI ?

a. C. Chakrabarty

b. D K Mittal

c. Raghuram Ranjan√

d. Montek Singh

Q9.Minimum age required to open SB account in the bank.

a. 8year

b. 10 year√

c. 12 year

d. None of above

Q10. Bank does not provide loans for.

a. Croons low

b. Education loans

c. Home loans

d. Drinking & Gambling√

ईस पोस्ट को भी पढ़ें- Question & Answer In Hindi Language 

Assessment -2 IIBF Final Exam In English

Q11. KYC means.

a. Know your customer√

b. Know your character

c. Both of about

d. None of above

Q12. Loans from money lenders are.

a. With High rate of interest

b. No proper accounting

c. No transparency

d. All of above√

Q13.ATM means.

a. Any Time money

b. Auto Truck of Mahindra

c. Any time√

d. None of above

Q14. Timely repayment of loans results.

a. Good reputation

b. No tension

c. Easily availability of loan in future

d. All of above√

Q15. Defaulter of loan means.

a. Not paying loan instalments√

b. Bad reputation

c. Plagal activities

d. None of above

Q16. Life insurance means.

a. Insurance of human√

b. Insurance of life of human and Cattle

c. Insurance of life of Machines

d. All of Above

Q17.General Insurance relates to insurance against.

a. Fire

b. Theft

c. Burglary

d. All of above√  

Q18. Aadhar is.

a. 12 digit number card

b. Identity proof issued by UIDAI

c. Both {a} &{b}√

d. None of Above

Q19. E or S means.

a. East or South zone

b. Easy and Swift

c. Either or Survivor√

d. None of Above

Q20. Which is prohibited for writing on currency notes ?

a. Polytonal message

b. Religious message

c. Personal message

d. All of above√

Note:- IIBF Final Exam In English ये सभी Question & Answer फाइनल exam से मिलते-जुलते है |

IIBF Final Exam In English Assessment -3

Q21. PPF means.

a. Pension Planning Funds

b. Person having Pension Facilities

c. Public Provident Fund√

d. Permanent Practitioner’s Forum

Q22. Highest denomination of currency note issued by RBI is.

a. 100/-

b. 500/-

c. 1,000/-√

d. Rs.10,000/-

Q23. NRI means.

a. Non Rural Individuals

b. Non-Rural Immigrants

c. Non-Resident India√

d. None of above

Q24. PAN means.

a. A kind of utensil

b. Primary Account Number

c. None of Above√

Q25. Who is the present Union Finance Minister of India?

a. Shri Arun Jaitley√

b. Shri Rajnath Singh

c. Shri Manohar Parrikar

d. Shri Suresh Prabhu

Q26 .Bank provides loans for.

a. Home

b. Car

c. Education

d. All of Above√

Q27. Which currency note has security thread ?

a. 50/-

b. 100/-

c. 500/-

d. All of above√

Q28. The safest place for keeping money.

a. A pit dug in the ground

b. An iron box

c. Bank√

d. Money lender

Q29. Gold and silver ornaments should be kept in bank lockers.

a. It is Safe

b. No risk of theft

c. Both {a} & {b}√

d. None of Above

Q31. Coins are issued by.

a. Government of India√

b. NABARD

c. Police sector banks

d. State Bank of India  

Q32. Bank Pass Book is.

a. Issued by Bank

b. Contains transaction details of Bank account

c. Shows balance in account

d. All of above √

Q33.Banks pays interest on.

a. Deposits √

b. Loans

c. Both {a} & {b}

d. None of above

Q34. Bank charges interest on.

a. Deposits

b. Loans√

c. Both {a} & {b}

d. None of above

Q35. Education loans.

a. Cover tuition fee & expenses

b. Are repayable after completion of course

c. Granted for studies in India & abroad

d. All of above√

Q36. Business Correspondent means.

a. An agent who provides banking services√

b. An agent of business house

c. A type of money lender

d. None of above

Q37. Internate banking refers to.

a. Operation of account through√

b. ATM account

c. Both {a} & {b}

d. None of above

Q38. Nomination once done can.

a. Not be cancelled

b. Be cancelled√

c. Not be changed

d. None of above

Q39. Who can open bank account.

a. Indian citizen

b. Non Resident Indian

c. Literate

d. All of above√

Q40. All time deposit scheme ?

a. 50,000/-

b. Deposits in excess of Rs.1 lac

c. Deposits Rs.50,000/-&√

d. All transaction above

ईस पोस्ट को भी पढ़ें- Question & Answer In Hindi Language 

Assessment -5 IIBF Final Exam In English

Q41. TDS means.

a. Time Deposit Scheme

b. Total Deposit Scheme

c. Tax Deducted at Sourced√

d. None of above

Q42. Maximum amount of Cheque.

a. 100 crore

b. No limit√

c. 1 crore

d. None of above

Q43. Bank draft is issued by.

a. Private Sector Banks

b. Regional Rural Banks

c. Public Sector Banks

d. All of Above√

Q44. Self help Group involves.

a. Group of 5 to 20 people

b. Regular saving habits

c. Inter –lending within the group members

d. All of Above√

Q45. Payment of cheque can be stopped by.

a. Beneficiary

b. Nominee

c. Drawer of Cheque

d. All of Above √

Q46. Account payee cheque can be paid.

a. At cash counter of Bank

b. At ATM

c. By deposit in Bank account√

d. one of Above

Q47. In Recurring Deposits,

a. a fixed sum is deposited every month

b. period of deposit is a fixed tenure

c. interest is paid at FDR rate

d. All of Above√

Q48. While making nomination, signature of nominee is required on.

a. Account Opening Form

b. Nomination Form

c. Affidavit

d. None of Above√

Q49. Interest on Savings Bank Deposits is Paid.

a. Every month

b. Quarterly

c. Half yearly√

d. Yearly

Q50. Mutilated notes.

a. Should be

b. Should be thrown away</p>

c. Should</p>

 

be thrown<span style=”color: #3366ff;”>√

d. None of Above

Note:- IIBF Final Exam In English ये सभी Question & Answer फाइनल exam से मिलते-जुलते है |

Assessment -6 IIBF Final Exam In English

Q51. ATM can be used for.

a. Cash withdrawal

b. Account enquiry

c. Statement of account

d. All of Above √

Q52. Upon detection of a counterfeit note at the counter, Bank.

a. Returns the note to the customer

b. Exchange with a genuine Note

c. Deposit in account

d. Impound the Note and issue receipt√

Q53. Fixed Deposit can.

a. Not be withdraw before maturity

b. Paid only after maturity

c. Withdrawn before maturity√

d. All of Above

Q54. Interest on FDRs is compounded on.

a. Monthly basis

b. Quarterly basis√

c. Half yearly basis

d. Yearly basis

Q55. Contents of locker are.

a. Only known to hirer√

b. Known to Bank

c. Both {a} & {b}

d. None of Above

Q56. If locker rent is not pairs, Bank can.

a. Seal the locker

b. Stop operation of locker

c. Break open the locker after giving suitable notice

d. All of Above√

Q57. MGNREGS stands for.

a. Mahatma Gandhi National Rural Employment Generation Scheme

b. Mahatma Gandhi Nutrition & Rural Employment Generation Scheme

c. Mahatma Gandhi National Rural Employment Guarantee Scheme√

d. None of Above

Q58. Maximum tenure of Fixed Deposit is.

a. 5 years

b. 7 years

c. 8 years

d. 10 years √

Q59. What is Repay Debit Card.

a. Domestic debit card

b. Introduced by National payments Corporation of India

c. Accepted at all ATMs & poSmachine

d. All of Above√

Q60. To whom Overdraft facility of Rs.,000/-in PMJDY Account is available.

a. After 6 months of satisfactory conduct of account

b. One account per household

c. Customers in age group of 18-60 years

d. All of Above√

IIBF Final Exam In English Assessment -7

Q61. What is Direct Benefit Transfer ?

a. Cash Discount on goods

b. Remittance through Banks

c. Transfer of social benefits /subsidies directly in Bank account of beneficiaries√

d. None of Above

Q62. What is meant by Aadhar seeding ?

a. Linking of Aadhar with Bank account

b. Duplicate issuance of Aadhar

c. Transfer of Aadhar

d. None of Above√

Q63. What are the benefits attached to PMJDY ?

a. Accident insurance cover of Rs.1.00 lac

b. Life insurance cover of Rs.30,000/-

c. Overdraft facility up to Rs.5,000/-

d. All of Above√

Q64. Who can open an account under PMJDY ?

a. Miner above the age of 10 year

b. Only lady of the house

c. Only head of the family

d. All of Above√

Q65. Who is Bank Metra ?

a. Banking Correspondents engaged by Banks

b. Valuable customer of bank√

c. Security Guard in a branch

d. None of above

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Q66. What is the maximum amount of deposits acceptable in small account?

a. 30,000/-

b. 40,000/-

c. 50,000/-√

d. None of Above

Q67. What kinds of services are available free in ‘Basis Saving Bank Deposit Account’?

a. Receipt / credit of money through NEFT / RTGS

b. No annual maintenance charges on ATM- cum –Debit card

c. 4 with drawls in a month [including ATM withdrawals]

d. All of Above √

Q68. What is the minimum deposit required while opening a BSBD Account?

a. 100/-

b. No minimum deposit required√

c. 1,000/-d] Rs.500/-

d. None of Above

Q69. What is Atal Pension Yojana [APY] ?

a. Provides social security to the unorganized sector

b. Encourages workers to voluntarily save for their retirement

c. Fixed pension is paid on attaining age of 60 years

d. All of Above √

 Q70. What is Pradhan Mantri Suraksha Bema Yojana [PMSBY]?

a. Accidental insurance cover√

b. Life insurance cover

c. Overdraft up to Rs.5,000/-

d. None of Above

ईस पोस्ट को भी पढ़ें- Question & Answer In Hindi Language

IIBF Final Exam In English Assessment -8

Q71. What is Pradhan Mantri Jiwan Jyoti Bema Yojana [PMJJBY]?

a. Get life insurance cover up to Rs. 2 lakh√

b. Accident insurance cover

c. None of Above

Q72. Which type of Deposit earns higher interest rate ?

a. Current Account

b. Savings Account

c. Fixed Deposits√

d. None of Above

Q73.Under PMSBY, accidental death claim is available for.

a. 1 lac√

b. 2 lac

c. 3 lac

d. None of Above

Q74. What is validity period of cheque?

a. 4 months form date of issue

b. 3 months from date of issue√

c. 1 month from date of issue

d. Unlimited Ans – b

Q75. Under PMSBY, partial disability claim is available for.

a. 50,000/-

b. 1 lac√

c. 2 lac

d. None of Above Ans – b

Q76. Can illiterate person be issued Debit card?

a. No

b. Yes√

c. Only in cash of join account

d. Only in cash he is head of family

Q77. Under APY, fixed pension can be chosen from.

a. 1,000/- , Rs.2,000/- , Rs.3,000/- , Rs.4,000/- , Rs.5,000/-√

b. 2,000/- , Rs.3,000/-

c. , Rs.4,000/- , Rs.5,000/- ,Rs.6,000/- ,Rs.500/- ,Rs. Rs.1,000/- , Rs.2,000/- , Rs.3,000/- , Rs.4,000/-

d. None of above Ans – a

New CSC ID के लिए IIBF Final Exam In English

Q78. PMJDY LIC Insurance of Rs.30,000/-is available for first time account opened.

a. On 15^th August 2014

b. On 26^th January 2015

c. Between 15^th August 2014 and 26^th January 2015√

d. None of above

Q79. Are not covered under PMJDY Life Insurance Scheme of Rs.30,000/-

a. Employees of Central /State Govt./Public Sector Undertakings/Banks

b. Income Tax Payee

c. Aam Aadmi Bema Yojana Beneficiaries

d. All of above√

Q80. Who is Bank Metra ?

a. Banking Correspondents engaged by Banks

b. Valuable customer of bank√

c. Security Guard in a branch

d. None of above

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Under PMMY

Q1. What does PMMY Stand for ?

a. Pradhan Mantri Money Yojana

b. Pradhan Mantri Mudra Yojana√

c. Primary Money Market Yojana

d. None of Above

Q2. What is the maximum loan amount available under PMMY? Banks either directly or in association with MFIs

a. 00 lacs

b. 00 lacs√

c. 00 lacs

d. None of Above

Q3. How much loan can be availed under “Shishu” Category ?

a. 10,000/-

b. 50,000/-√

c. 1,00,000/-

d. None of above

Q4. Loan of ‘5 lacs is covered under which category ?

a. Shishu

b. Kishor√

c. Tarun

d. All of above

New CSC ID के लिए IIBF Final Exam In English

Q5. What is the purpose for which MUDRA loan can be availed for carrying on any activity related to ?

a. Manufacturing, Processing, Trading, Services√

b. Personal loan

c. Investment in Shares, commodities in Primary or Secondary Market

d. All of Above

Q6. PMMY Loan is given for which purpose ? Banks either directly or in association with MFIs

a. Income Generation Purpose√

b. Consumption Purpose

c. Both of above

d. None of above

Q7. What are the Collateral /securities to be kept with Banks for getting loans for MSE under PMMY ?

a. Mortgage of movable or immovable Assets

b. Third Party Guarantee

c. NIL√

d. None of Above

Q8. Who can avail the PMMY loan ?

a. Any Indian Citizen

b. Any firm, body corporate, company, or any other entity incorporated in India

c. Both [a] & [b]√

d. one of above

e. We should keep our savings with banks because.

Q9. From Where the PMMY loan can bank  availed ?

a. Public Sector Banks, Private Sector Banks, Foreign Banks, Cooperative Banks, RRBs, NBFCs and MFIs√

b. Directly from MUDRA

c. Both {a} & {b}

d. None of above

Q10. PMMY Loan can be availed from the bank in which ? Banks either directly or in association with MFIs

a. The customer has the banking relation with the bank

b. The customer does not have the prior banking relationship [saving /current account ]with the bank

c. Both {a} & {b}√

d. None of Above

Assessment -1 IIBF Final Exam In English

Q11. What is the role of MUDRA under PMMY Loans . 

a. MUNDRA is a direct lending institution and lends to small/micro units entrepreneurs directly for PMMY

b. Acts as a Refinance Agency and refinances to all banks, NBFCs, MFIs for onward lending to customers under different categories of PMMY loans, as per need of the customer√

c. MUDRA is regulator of banks

d. None of above Ans – b

Q12. The borrowers can avail the credit in a hassle free and flexible manner with the MUDRA CARD which is a .

a. Debit Card with Sanctioned limit√

b. Credit Card

c. Ordinary Debit Card

d. None of Above

Q13. MUDRA Card is a debit card on which payment platform ?

a. RuPey

b. Visa

c. Master Card

d. None of above√

Q14. What is the use of MUDRA Card ? And how it can be used ?

a. In drawing cash from ATM or Business Correspondent

b. Make purchases using Point of Sale [POS] machine.

c. Both of above√

d. None of above

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Q15. Who issue the MUNDRA Card to customer ?

a. Banks either directly or in association with MFIs√

b. MFIs directly

c. MUDRA

d. None of above

Q16. PMMY loans are applicable to ?

a. All banks all over India√

b. Within the Notified areas / locations in India

c. All banks all over India and abroad

d. All of above

Q17 .What are the interest rates of the  PMMY loans extended by banks ,NBFCs ,MFIs that should fall within the overall RBI Guidelines.

a. Reasonable rates decided by lending banks, NBFCs, MFIs, that should fall within the overall RBI Guidelines√

b. The rates as prescribed by MUDRA

c. Uniform rates as stipulated by the RBI

d. None of above

Q18. PMMY Loans are provided for what Tenure ?

a. 1 year

b. 2 year

c. Depends on cash flows of the business and decided by the lending Institution√

d. All of above

Q19. What is the grievance redressal mechanism available against bank officials in the event of non -sanction of loans ?

a. The matter can be escalated to the next higher office [region / Zone] on the Bank

b. Customer can be register complaint on Banks Nobel Office PMMY or PMMY Mission office or PMMY Toll Free

c. Both of Above√

d. None of above

 Q20. What are the documents that are required to be submitted for availing loans under MUDRA ?

a. Standard loans Application Form

b. KYC and other Documents as may require as per internal guidelines of lending banks /NBFC/MFI

c. Both of above√

d. None of above

ईस पोस्ट को भी पढ़ें- Question & Answer In Hindi Language 

Assessment -2 IIBF Final Exam In English

Q21. Who monitors the implementation of PMMY progress at National level?

a. MUDRA/Department of Financial Services√

b. State Level Bankers Committee [SLBC]

c. Both

d. None of Above

Q22. Where are the Frequently Asked Question {FAQs} on PMMY Loans available for information of the Lending Institutions/public ?

a. DFS website

b. PMO website

c. MUDRA website√

d. None of above

Q23. Simple Project profiles for running or setting up of micro/small enterprises is available.

a. DFS website

b. MUDRA website √

c. PMO website

d. None of above

Q24. MUDRA has been set up by whom ? We should keep our savings with banks because

a. Government of India√

b. RBI

c. SEBI

d. All of above

Q25. The loans sanctioned by banks/NBFCs/MFIs on or after up to ’10 lacs for small business income – generating activities are known as PMMY loans.

a. 18-Mar-15

b. 08-Apr-15√

c. 20-May-15

d. None of Above

New CSC ID के लिए IIBF Final Exam In English

Q26. What is the amount of overdraft facility sanctioned under PMJDY is classified as MUDRA loans under PMMY?

a. ‘5,000/√

b. ’10,000/-

c. ’12,000/-

d. All of Above

Q27. Who is eligible to get the MUDRA Loans under PMMY out of following borrowers ?

a. Large Corporates

b. Municipal Corporation

c. Small fruit vendors, vegetables sellers etc√.

d. All of Above

Q28. Total loans sanctioned/disbursed under PMMY is accessible to for information of the Banks/ NBFCs/ MFIs, General Public at large.

a. DFS website

b. MUDRA Patrol√

c. PMO website

d. None of above

Q29. All PMMY loans will be governed by formulated by MUDRA ,in consultation with DFS, rating agencies, MFIN and Sa-Dhan and other stakeholders for adoption by all the lending institutions.

a. MUDRA Loans cade of lending

b. MUDRA Loans Charter√

c. PMMY Loan charter

d. None of above Ans -b

Q30. MUDRA scheme is applicable to which type of MSE businesses under income Generation purpose.

a. Newly start ups

b. Existing business for expansion or upgradation

c. Both of Above√

d. all of Above

e. Reasonable rates decided by lending banks, NBFCs, MFIs

31. What are the interest rates of the  PMMY loans extended by banks

Ans- Reasonable rates decided by lending banks, NBFCs, MFIs