Banking Awareness Usage Tests For Ibps Po 4 Together With Clerks 4 Online Exams – Laid Upward 23

Friends, hither is the 23rd laid of our Banking Awareness online work attempt serial for upcoming IBPS PO IV as well as Clerks IV Online Exams 2014. Happy Reading 🙂
  1. The formal way of lending includes ____________
    1. Private Sector Banks
    2. Co-operative Banks
    3. Public Sector Banks
    4. RRBs
    5. All of above
  2. The hamlet people stimulate got to a greater extent than loans from non-institutional sources (informal route). It includes ________
    1. Scheduled banks
    2. Public sector banks
    3. Co-operative banks
    4. Rural banks
    5. Money Lenders
  3. Soft loan characteristic characteristic is ____________
    1. Shot menses as well as to a greater extent than charge per unit of measurement of interest
    2. Long menses as well as to a greater extent than charge per unit of measurement of interest
    3. Long period, to a greater extent than charge per unit of measurement of involvement amongst grace period
    4. Long period, less charge per unit of measurement of involvement amongst grace periods
    5. Long period, to a greater extent than charge per unit of measurement of involvement amongst no grace periods
  4. “Loan Servicing” agency ?
    1. Lending the money
    2. A mortgage banking concern or sub-servicing theater collects the timely payment of involvement as well as principal from borrowers.
    3. Helping the client to larn loan inwards other banks past times providing the details of the running account.
    4. Giving a loan if the client has whatever deposit
    5. Giving minute loan afterward payment of starting fourth dimension loan regularly
  5. A loan allows the someone to pursue higher studies is ______________
    1. Education Loan
    2. Higher studies loan
    3. College Admission loan
    4. Passing Loan
    5. Graduation Loan
  6. Who headed the report grouping constituted past times Indian Banks Association to give the recommendations on Education Loans ?
    1. Dantelwala
    2. N. Kishore Chaudari
    3. R. J. Kamath
    4. C. Ranga Rajan
    5. None of these
  7. As per the administration given past times the Reserve Bank of Republic of Republic of India on 19th Nov 2013, the publis sector banks should furnish loans to women self assist groups at a charge per unit of measurement of _________ per anum, as well as thence equally to larn the create goodness of involvement charge per unit of measurement subvention system nether Swarnajayanti Gram Swarozgar Yojana-Aajeevika. 
    1. 7  %
    2. 10%
    3. 5.5%
    4. 8.25%
    5. None of these
  8. When whatever property ceases to generate income for the bank, it is called ____________
    1. Zero Asset
    2. Profitable Asset
    3. Non-Performing Asset
    4. Performing Asset
    5. None of these
  9. IIFCL latterly decided to become for the $5 billion Line of Credit (LOC) due to projection delays. IIFCL stands for _____________
    1. India Infrastructure Finance Consortium Limited
    2. India Indemnity Finance Company Limited
    3. India Infrastructure Fund Company Limited
    4. India Infrastructure Finance Company Limited
    5. International Infrastructure Finance Company Limited 
  10. Which of the next statements is incorrect regarding Non-Performing Assets (NPA) ?
    1. Installment of principal or involvement thereon remains overdue for ii crop seasons for brusk duration crops
    2. Amount of liquidity facility remains outstanding for to a greater extent than than xc days, inwards observe of a securitization transaction undertaken inwards price of guidelines on securitization dated 1st Feb 2006.
    3. Installment of principal or involvement thereon remains overdue for ii crop seasons for long duration crops
    4. All of these
    5. 1 & 2
  11. In a tidings newspaper it is read that ‘Higher provisioning erodes world sector bank’s profit’. Here ‘provisioning’ relates to ?
    1. Daily Expenses
    2. Cost to erect ATMs
    3. Conducting exams to recruit novel personnel
    4. Bad loans
    5. Establish novel branches
  12. National Housing Bank Act was passed past times Indian Parliament inwards __________
    1. 1991
    2. 1994
    3. 2000
    4. 1987
    5. 2001
  13. National Housing Bank was gear upwards on ninth July of which twelvemonth ?
    1. 2005
    2. 2014
    3. 1991
    4. 1988
    5. 2000
  14. Who headed the High Level Group to examine the proposal as well as recommended the setting upwards of National Housing Bank (NHB) ?
    1. Prabhakaran C
    2. Wanchoo
    3. Dr. C. Rangarajan
    4. Narasimham
    5. K. C. Charavarthy
  15. NHB Head component subdivision is located inwards ?
    1. Kolkata
    2. Hyderabad
    3. Lucknow
    4. New Delhi
    5. Mumbai
  16. ‘Promoting Inclusive expansion amongst stability inwards housing finance market’ is the vision of __________
    1. NHB
    2. NABARD
    3. ICICI
    4. EXIM Bank
    5. SBI
  17. Present Chairman of NHB is ?
    1. R. V. Verma
    2. K. R. Kamath
    3. Prakash Bakshi
    4. T. C. A. Ranganathan
    5. None of these
  18. Loan given for task repairs, renovations as well as / or upgradation is called 
    1. Home Damage Loan
    2. Home Improvement Loan
    3. Home Makeup Loan
    4. Home Custody Loan
    5. Home Consumption Loan
  19. Important statements of Bridge Loan inwards Home Loan given. Pick the incorrect tilt ?
    1. Bridge Loan too available inwards Home Loans
    2. It is designed for people who wishing to sell the existing domicile as well as purchase another
    3. It helps finance the novel home, until a buyer is institute for the former home
    4. It is non available inwards Metro cities
    5. None
  20. Non-Performing Assets (NPA) includes
    1. Interest as well as / or installment of principal stay overdue for a menses of to a greater extent than than xc days inwards observe of a term loan
    2. The trace organization human relationship remaining ‘out of order’ for a menses of to a greater extent than than xc days inwards observe of an overdraft / cash credit
    3. The nib remains overdue for a menses of to a greater extent than than xc days inwards the illustration of bills purchased as well as discounted
    4. All the above
    5. None of the above 

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