ChennaiLETTER TO GM BY AICBOA GS ON TRANSFER AND PROMOTION NORMS CLICK HERE
AIS RECALLED QUESTIONS
AIS
RECALLED QUESTIONS-2017
1
Short term NPA- 2 Crop seasons.
2
RBI discounts bills of first class banks at- Bank Rate.
3
B/E without date- Payable on demand.
4
Third category of Mudra apart from Shishu and Tarun- Kishor.
5
Small Service enterprises Maximum- Rs 2 crores.
6
Cent Mortgage Minimum Income- Rs 2.00 lacs.
7
Cent Swabhiman Plus- Spouse age- 55 years.
8
Interest paid to RBI on CRR balanaces- Nil.
9
Bailment of goods to secure a debt is called- Pledge.
10
Third part liability in a contract- Guarantee.
11
Guarantee is …… Liability- Contingent.
12
TDS without PAN- 20%
13
Cash DD cant be issued above –Rs 50000
14
Which is not a material operation- Crossing of cheque.
15
Intermediary person appointed for Financial inclusion- Business
correspondents.
16
Cash payment of deposits cant be made more than Rs 20000.
17
Small account transactions Rs 10000 within a month- Financial
inclusion.
18
Missing person declared dead- 7 years.
19
KYC updation for low risk customers- 10 years.
20
FCNR Maximum period- 5 years.
21
CC limit renewed on ……. Basis- Annual.
22
Sub standard assets will remain….. months -12 months.
23
Which of the following is not a legal action- Compromise settlement.
24
Secured portion of doubtful asset more than 3 years- 100%
25
Charge on immovable property- Mortgage.
26
Loan proposals to be sent to
CCPC- Mortgaged based loans and Edu loans above Rs 7.50 lacs.
27
Turnaround time tracker for Mortgage based loans- 6 working days.
28
In-Principle approval to be conveyed within…..- 24 hours/One day.
29
Limitation period of DPN- 3 years from the date of execution.
30
Limitation period for Mortgage- 12 years from the date of Due.
31
Education loan Priority sector definition- Rs 10.00 lacs.
32
Negative NWC- Excess of Current liability over current assets.
33
Premium payable on NCGTC education loans- 0.50% of loan.
34
Balance sheet reflects- What a firm owns and Owes.
35
Which is not an hypothecation- Shares and debentures.
36
Why hypothecation registered with RTO- To avoid selling of vehicle
without the knowledge of the bank.
37
RTGS Mininum amount- Rs 2.00 lacs
38
Code required for RTGS-IFSC.
39
OD top up facility under Housing loan,Minimum- Rs 2.00 lacs.
40
Condition for availing Cent Home plus- Existing HL borrower for
atleast 3 years without default.
41
Personal loan under Cent Ratna- Maximum- Rs 10.00 lacs.
42
Personal loan under Cent Teachers- Maximum- Rs 10.00 lacs.
43
Mandate from the first account holder that he will enjoy all the
rights till his death- F or S.
44
In a E or S account, if one dies amount will paid to – Surviving
account holder.
45
Relationship in terms of deposit account – Banker-Customer-Dr Creditor
46
Relationship in terms of Garnishee order- Banker-Customer-Dr Creditor.
47
Single party exposure for infrastructure- 20%.
48
NRLM- SHG numbers- 15-20.
49
NRLM without security- Rs 10.00 lacs.
50
Cent trade- Computation- …….. of Projected annual turnover- 20%
51
CKCC without collateral- Rs 1.00 lac.(Tie up means- Rs 3.00 lacs)
52
Cent School for HNI customers –Maximum- Rs 10.00 lacs
53
Cent Earnest money deposit scheme- Repayment- 180 days.
54
DICGC premium borne by whom- Respective Banks.
55
Education loan Margin beyond Rs 4.00 lacs- 5%.
56
Value of security for Cent Mortgage for Education institutes- 200%
57
CKCC Thatkal- Maximum Rs 50000.
58
Cent Rental –Maximum Rs 10.00 crores.
59
Margin for Gold loans- 20%
60
HL margin upto Rs 20.00 lacs- 10%
61
Future Receivables- Minimum loan amount- Rs 25.00 lacs.
62
Ombudsman compensation for Credit Card- Rs 1.00 lac.
63
Stock Rs 6.00 lacs, Limit- Rs 5.00 lacs, Margin- 25%, DP- Rs 4.50 lacs.
64
Limit- Rs 3.00 lacs, Margin- 25%, Stock value- Rs 4.00 lacs.
65
Right to retain goods is called ….. Lien.
66
HL under Priority Sector- Repairs in urban areas and rural - Rs 5.00
lacs and Rs 2.00 lacs
67
No due certificate need not be insisted for – Rural and Semiurban.
68
CASA includes- Savings and Current account.
69
Updation of new address – Within- 6 months.
70
Which one of the following is an Operational risk- Systems, Frauds,
Internal matters…-All the above.
71
Repayment for Cent Home Double Plus- 30 years.
72
Maximum period for TL Cent Mortgage- 10 years.
73
Kharif premium amount- 2%
74
Which one the crossing cant be negotiated- Payable to bank.
75
JLG incentive-Rs 2000