Bank Promotion Study

Bank Promotion Study (BPS) provides bank staff all the online study material for JAIIB Exam, CAIIB Exam and for promotion exam to various cadre in bank from officer scale 1 to scale 5 in various PSBs, private banks and RRBs including interview tips.

One Liner Questions with Answers SET 1


One Liner Questions with Answers SET 1

    • A crop will be called short duration crop if its crop season is up to: 12 months 
    • A savings account becomes inoperative when it not operated for: 2 years
    • Bailment of goods or securities to secure a debt is called: Pledge
    • Borrowing powers of director or board i.e. the extent to which Directors can borrow is given in: Articles of association
    • Deferred Payment guarantee is: Financial Guarantee
    • DSCR indicates: Ability of firm to repay term loan instalments
    • Finance against receivables means: FACTORING
    • How much amount can be remitted abroad by a resident individual under Liberalized Remittance Scheme: USD 250000 in a financial year
    • Insurance amount under Rupay card by NPCI is: Rs. 1.00 lac (Rs 2 lac for premium card)
    • Limitation period for filling suit in respect of mortgage is: 12 years
    • Notice money vary from 2 to day: 14 days
    • PMJDY OD is upto: Rs. 10,000/-
    • The charge on stocks is created by: Hypothecation (also by pledge or lien)
    • Under PM Shram Yogi Maan Dhan (PMSYM), an unorganized sector worker within age group of is eligible:18 to 40 years
    • Lock in period of PPF account: 15 years
    • maximum amount of award that can be given by Banking Ombudsman in case of credit cards: Rs 1 lakh
    • What is the maximum amount of claim that can be referred to Lok Adalat? Rs 20 lakh
    • Type of charge is created on Life Insurance Policy: Assignment
    • A charge where there is neither the transfer of ownership nor the possession is: Hypothecation
    • Section 131 of Negotiable instrument Act– Protection to collecting banks
    • Statutory Liquidity Ratio is maintained as per: section 24 of Banking Regulation Act.
    • Return of securities on repayment of loan: Within 15 days of repayment
    • The National CDRC will hear complaints worth more than Rs. 10 crores under COPRA (Consumer Protection Act, 2019)
    • Contributions made into the Atal Pension Yojana are eligible for tax deduction under Section 80CCD of Income Tax Act.
    • Minimum amount for Transfer using RTGS is Rs. 2.00 lakh (Two lakh).
    • A small enterprise, where the investment in plant and machinery or equipment does not exceed ten crore rupees and turnover does not exceed fifty crore rupees; and
    • Priority sector lending targets for Micro enterprises is 7.5%.
    • Risk weight on credit cards is 100%
    • As per BASEL 3 capital conservation buffer is 2.5% of RWA
    • Issuance of 60 days Demand Notice is as per Section 13(2) of SARFAESIA,2002.
    • Special crossing: Writing name of a bank on a cheque with or without two parallel lines.
    • Within how many days of deposit of title deeds, charge is required to be registered with CERSAI? 30 days.
    • Full form of BCSBI: Banking Codes & Standards Board of India
    • Financial Year 2021 fiscal deficit target at 3.5% of GDP
    • Scale of Finance i.e. crop loan per hectare is decided by: District Technical Committee
    • Doubtful: An asset which has remained in Sub Standard category for a period of 1 years becomes Doubtful thereafter.
    • Provisioning for Loss asset is : 100% of outstanding amount
    • Current Ratio = Current Assets/Current Liabilities. 
    • Loans to individuals for educational purposes, including vocational courses, not exceeding ₹ 20 lakh will be considered as eligible for priority sector classification


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