SET-4

Series BVM H$moS> Z§.

Code No. 309
amob Z§. narjmWu H$moS >H$mo CÎma-nwpñVH$m Ho$ _wI-n¥ð
Roll No. >na Adí` {bIo§ &
Candidates must write the Code on the
title page of the answer-book.

 H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _o§ _w{ÐV n¥ð> 8 h¢ &

 àíZ-nÌ _| Xm{hZo hmW H$s Amoa {XE JE H$moS >Zå~a H$mo N>mÌ CÎma -nwpñVH$m Ho$ _wI-n¥>ð> na
{bI| &
 H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _| >33 àíZ h¢ &
 H¥$n`m àíZ H$m CÎma {bIZm ewê$ H$aZo go nhbo, àíZ H$m H«$_m§H$ Adí` {bI| &
 Bg àíZ-nÌ H$mo n‹T>Zo Ho$ {bE 15 {_ZQ >H$m g_` {X`m J`m h¡ & àíZ-nÌ H$m {dVaU nydm©•
_| 10.15 ~Oo {H$`m OmEJm & 10.15 ~Oo go 10.30 ~Oo VH$ N>mÌ Ho$db àíZ-nÌ H$mo n‹T>|Jo
Am¡a Bg Ad{Y Ho$ Xm¡amZ do CÎma-nwpñVH$m na H$moB© CÎma Zht {bI|Jo &
 Please check that this question paper contains 8 printed pages.
 Code number given on the right hand side of the question paper should be
written on the title page of the answer-book by the candidate.
 Please check that this question paper contains 33 questions.
 Please write down the Serial Number of the question before
attempting it.
 15 minute time has been allotted to read this question paper. The question
paper will be distributed at 10.15 a.m. From 10.15 a.m. to 10.30 a.m., the
students will read the question paper only and will not write any answer on
the answer-book during this period.

~¢qH$J
BANKING

{ZYm©[aV g_` : 3 KÊQ>o A{YH$V_ A§H$ : 60

Time allowed : 3 hours Maximum Marks : 60

309 1 P.T.O.
gm_mÝ` {ZX}e :
(i) Bg àíZ-nÌ _| 33 àíZ em{_b h¢ {OZ_| go Aä`Wu H$mo {g\©$ 25 àíZ H$aZo H$s µOê$aV
h¡ &
(ii) àíZ-nÌ Xmo IÊS>m| _| {d^m{OV h¡ &
IÊS> H$
 ~hþ{dH$ënr` àíZ /[aº ñWmZ ^[aE /grYo àíZ : Hw$b 12 àíZ em{_b h¢ Omo
1 – 1 A§H$ Ho$ h¢ & BZ_| go {H$Ýht 10 àíZm| Ho$ CÎma Xr{OE &

 A{V bKw CÎmar` àíZ : BZ_| Hw$b 7 àíZ em{_b h¢, àË`oH$ Ho$ 2 A§H$ h¢ & BZ_| go
{H$Ýht 5 àíZm| Ho$ CÎma Xr{OE &
 bKw CÎmar` àíZ : BZ_| Hw$b 7 àíZ em{_b h¢, àË`oH$ Ho$ 3 A§H$ h¢ & BZ_| go {H$Ýht
5 àíZm| Ho$ CÎma Xr{OE &
IÊS> I
XrK© CÎmar` /{Z~ÝYmË_H$ àíZ : BZ_| Hw$b 7 àíZ em{_b h¢, àË`oH$ Ho$ 5 A§H$ h¢ & BZ_|
go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE &
General Instructions :

(i) This question paper contains 33 questions, out of which the candidate
needs to attempt only 25 questions.

(ii) Question paper is divided into two sections.

SECTION A
 Multiple choice questions / Fill in the blanks/Direct questions :
contains total 12 questions of 1 mark each. Answer any
10 questions.
 Very short answer type questions : contains total 7 questions of
2 marks each. Answer any 5 questions.
 Short answer type questions : contains total 7 questions of 3 marks
each. Answer any 5 questions.
SECTION B

Long answer / Essay type questions : contains total 7 questions of 5 marks

each. Answer any 5 questions.

309 2
 IÊS> H$
SECTION A

{ZåZ{b{IV ‘| go {H$Ýht Xg àíZm| Ho$ CÎma Xr{OE & 110=10

Answer any ten of the following questions.

1. gr.~r.Eg. _________ H$m g§{jßV ê$n h¡ & 1

CBS stands for _________.

2. E.Q>r.E‘. H$m nyU© ê$n ¶h h¡ 1

(H$) Am°b Q>mB‘ ‘Zr (I) Am°baoS>r Q>oñQ>oS> ‘erZ
(J) Am°Q>mo‘oQ>oS> Q>oba ‘erZ (K) EoZr Q>mB‘ ‘Zr
Full form of ATM is
(a) All Time Money (b) Already Tested Machine
(c) Automated Teller Machine (d) Any Time Money

3. {ZåZ{b{IV ‘| go ¶h EH$ g~go A{YH$ erK«Vm go YZ ào{fV H$aZo H$s {d{Y h¡ : 1

(H$) {S>‘m§S> S´>mâQ> (I) M¡H$
(J) no Am°S>©a (K) Ama.Q>r.Or.Eg.
This is one of the following the quickest methods of remitting money :
(a) Demand Draft (b) Cheque
(c) Pay order (d) RTGS

4. {ZåZ{b{IV ‘| go {H$Z {H«$¶mAm| H$mo AmCQ>gmog© {H$¶m Om gH$Vm h¡ ? 1

(H$) ’«§$Q> Am°{’$g (I) {‘S>b Am°{’$g
(J) ~¡H$ Am°{’$g (K) ‘oZ Am°{’$g
Which of the following activities may be outsourced ?

(a) Front Office (b) Middle Office

(c) Back Office (d) Main Office

309 3 P.T.O.
5. {’$qeJ h¡ EH$ 1
(H$) Iob (I) gmB~a AnamY
(J) ^wJVmZ H$aZo H$s {d{Y (K) Cn`w©³V ‘| go H$moB©> Zht
Phishing is a
(a) Sport (b) Cyber crime
(c) Method of making payment (d) None of the above

6. {ZH$mgr J¥h BgH$s gw{dYm àXmZ H$aVo h¢ : 1

(H$) ~¢H$m| Ho$ ~rM amoH$‹S> H$m boZ-XoZ
(I) ~¢H$m| Ho$ Amng Ho$ Xmdm|/Xm{¶Ëdm| H$m {ZnQ>mam
(J) ~¢H$ Am¡a CgHo$ J«mhH$m| Ho$ ~rM {ddmXm| H$m {ZnQ>mam
(K) YZ O‘m H$aZm Am¡a {ZH$mbZm
Clearing houses facilitate
(a) the exchange of cash between the banks
(b) settlement of inter bank claims/liabilities
(c) settlement of disputes between a bank and its customers
(d) deposits and withdrawals of money

7. O‘mAm| na ~¢H$ Ûmam {X¶m J¶m ã¶mO _________ h¡ & 1

(H$) 춶 (I) Am¶
(J) gån{Îm (K) Xm{¶Ëd
Interest paid by the bank on a deposit is
(a) an expense (b) an income
(c) an asset (d) a liability

8. EH$ ñWm¶r Xa dmbo G$U H$s B©.E‘.AmB©. G$UH$mb ‘| _________ ahVr h¡ & 1
(H$) pñWa (I) ~XbVr
(J) ~‹T>Vr (K) KQ>Vr
EMI on a fixed rate loan remains _________ during the tenure of the loan.
(a) Fixed (b) Changing
(c) Increasing (d) Decreasing

9. ~VmBE {H$ [aµOd© ~¢H$ Am°’$ BpÊS>¶m {H$g df© ‘| ñWm{nV hþAm Wm & 1
In which year was the Reserve Bank of India established ?

309 4
10. ~¢H$ ‘| EH$ M¡H$ O‘m H$amZo Ho$ {bE {ZåZ{b{IV ‘| go {H$gH$m Cn¶moJ H$aVo h¢ ? 1
(H$) nmg ~wH$ (I) n¡Z H$mS>©
(J) no-BZ-pñbn (K) no-pñbn
Which of the following is used while depositing a cheque into the bank ?
(a) Pass Book (b) PAN Card
(c) Pay-in-slip (d) Pay Slip
11. ~¢H$ Ho$ A{O©V ã¶mO VWm bm^m§e H$m boIm Bg {dÎmr¶ {ddaU ‘| {H$¶m OmVm h¡ : 1
(H$) bm^-hm{Z ImVm (I) VwbZ nÌ
(J) Cn`w©³V XmoZm| ‘| (K) Cn`w©³V ‘| go {H$gr ‘| Zht
Interest and Dividend earned is recorded in this financial statement of a
bank :
(a) Profit and Loss Account (b) Balance Sheet
(c) Both of the above (d) None of the above
12. BgH$mo Xmo Mm{~¶m|, {OZ‘| go EH$ ~¢H$ Ho$ J«mhH$ Ho$ nmg ahVr h¡, H$m à¶moJ H$aHo$ Imobm Om
gH$Vm h¡ : 1
(H$) gwajm H$j (I) ~¢H$ bm°H$a
(J) ~¡H$ Am°{’$g (K) amoH$‹S> {VOmoar
This can be opened by using two keys, one of which remains with the
bank customer :
(a) Strong room (b) Bank locker
(c) Back office (d) Cash chest

Bg ^mJ ‘| go {H$Ýht nm±M àíZm| Ho$ CÎma Xr{OE & 25=10

Attempt any five questions from this part.

13. {S>‘m§S> S´>mâQ> Ho$ Mma bm^ ~VmBE & 2

State four advantages of Demand Draft.

14. {H$gr ì¶{³V Ho$ {bE ~¢H$ bm°H$a H$s Amdí¶H$Vm g‘PmBE & 2
Explain the need of Bank Lockers to any individual.

15. {ZH$mgr J¥h ³¶m hmoVm h¡ ? 2

What is a Clearing House ?

309 5 P.T.O.
16. ã¶mO H$s ‘ñWm¶r’ VWm ‘Mb’ Xa| ³¶m hmoVr h¢ ? 2
What are ‘fixed’ and ‘floating’ rates of interest ?

17. ‘d¡Ym{ZH$ VabVm AZwnmV’ H$mo n[a^m{fV H$s{OE & 2

Define ‘Statutory Liquidity Ratio’.

18. ~¢H$ Xa VWm AmYma Xa ‘| AÝVa ñnï> H$s{OE & 2

Distinguish between Bank Rate and Base Rate.

19. B©.E‘.AmB©. go Amn ³¶m g‘PVo h¢ ? 2

What do you understand by EMI ?

Bg ^mJ ‘| go {H$Ýht nm±M àíZm| Ho$ CÎma Xr{OE & 35=15

Attempt any five questions from this part.

20. gmI-nÌ ³¶m hmoVm h¡ ? gmI-nÌ VWm ~¢H$ JmaÝQ>r ‘| AÝVa ñnï> H$s{OE & 3
What is a Letter of Credit ? Distinguish between a Letter of Credit and
Bank Guarantee.

21. ‘mo~mBb ~¢qH$J go Ow‹S>o gwajm ‘wÔm| H$mo g‘PmBE & 3

Explain security issues associated with mobile banking.

22. ~¢H$ emImAm| Ho$ {bE ^maVr¶ [aµOd© ~¢H$ Ûmam {ZX}{eV {H$Ýht VrZ gwajm Cnm¶m| H$m C„oI
H$s{OE & 3
State any three safety measures for bank branches stipulated by RBI.

23. ¶{X ã¶mO Xa 5 à{VeV à{V df© dm{f©H$ g§`mo{OV H$aVo hþE hmo Vmo < 1,00,000 Ho$
nm±M-dfu¶ O‘m na MH«$d¥{Õ ã¶mO H$s JUZm H$s{OE & 3
Calculate compound interest on a 5-year deposit for < 1,00,000 if rate of
interest is 5% p.a. compounded annually.

24. ‘gmYmaU’ Ed§ ‘MH«$d¥{Õ’ ã¶mO ‘| AÝVa ~VmBE & 3

Differentiate between ‘simple’ and ‘compound’ interest.

309 6
25. ‘AZwJ«h {Xdgm|’ go Amn ³¶m g‘PVo h¢ ? 29 OZdar 2018 H$mo {bIr JB© {V{W go EH$ ‘mh
~mX Xo¶ {~b H$s Xo¶ {V{W H$s JUZm H$s{OE & 3
What do you mean by ‘Days of Grace’ ? Calculate the due date for the bill
drawn on 29th January 2018 made payable one month after the date.

26. ‘AmH$pñ‘H$ Xo¶VmE±’ ³¶m h¢ ? BZH$mo ~¢H$ Ho$ VwbZ nÌ ‘| H¡$go {XIm¶m OmVm h¡ ? Bg erf©H$
Ho$ AÝVJ©V {XImB© OmZo dmbr {H$Ýht VrZ ‘Xm| H$mo {b{IE & 3
What are ‘contingent liabilities’ ? How are these shown in a Bank’s
Balance Sheet ? Write any three items shown under this head.

IÊS> I
SECTION B

Bg IÊS> ‘| go {H$Ýht nm±M àíZm| Ho$ CÎma Xr{OE & 55=25

Attempt any five questions from this section.

27. {S>nm°{OQ>ar {gñQ>‘ Ho$ {d{^Þ KQ>H$m| H$mo g‘PmBE & 5

Explain different constituents of a Depository system.

28. BÝQ>aZoQ> ~¢qH$J ³¶m h¡ ? J«mhH$ VWm ~¢H$ Ho$ ÑpîQ>H$moU go BgHo$ bm^ ~VmBE & 5
What is Internet banking ? State its benefits from the customer’s as well
as the Bank’s point of view.

29. E.Q>r.E‘. go ZH$X {ZH$mbZo H$s à{H«$¶m H$mo g‘PmBE & 5

Explain the process of cash withdrawal from ATMs.

30. {H$gr ~¢H$ H$s emIm Ho$ H$m¶©H$bmnm| Ho$ gwMmé g§MmbZ ‘| emIm à~§YH$ H$s ^y{‘H$m H$mo
g‘PmBE & 5
Explain the role of a Branch Manager in the smooth conduct of bank’s
activities.

31. H¡$e [aOd© AZwnmV VWm a¡nmo Xa H$m Š`m AW© h¡ ? BZ‘| n[adV©Z H$m ³¶m à^md n‹S>Vm h¡,
g_PmBE & 5
What is meant by Cash Reserve Ratio and Repo Rate ? Explain the effect
of changes therein.

309 7 P.T.O.
32. ‘µJ¡a-{ZînmXZ dmbr (Zm°Z-n’$m}{_ªJ) gån{Îm¶m±’ ³¶m hmoVr h¢ ? BZHo$ dJuH$aU H$mo {dñVma go
g‘PmBE & 5
What are ‘Non-Performing Assets’ ? Explain its classification in details.

33. ~MV ~¢H$ ImVm| na ã¶mO H$s JUZm H$aZo H$s {d{Y g‘PmBE & 1.4.2018 H$mo gwerb Ho$
`og ~¢H$ Ho$ ~MV ImVo ‘| < 75,000 H$m eof Wm & CgZo 7.4.2018 H$mo < 1,50,000 VWm
30.4.2018 H$mo < 50,000 O‘m {H$E VWm 9.4.2018 H$mo < 1,50,000 Am¡a 24.5.2018
H$mo < 62,500 {ZH$mbo & 1.4.2018 go 30.6.2018 H$s Ad{Y Ho$ {bE 6 à{VeV à{V df©
H$s Xa go ã¶mO H$s JUZm H$s{OE & 5
Explain the method of calculating interest on Savings Bank Accounts. On
1.4.2018 Sushil had a balance of < 75,000 with Yes Bank in his Savings
Bank Account. He deposited < 1,50,000 on 7.4.2018 and < 50,000 on
30.4.2018 and withdrew < 1,50,000 on 9.4.2018 and < 62,500 on
24.5.2018. Calculate interest @ 6% p.a. for the period 1.4.2018 to
30.6.2018.

309 8