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Bank Specialist Officer Promotion MCQ Practice

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1. As per RBI norms, a loan account is classified as a Non-Performing Asset (NPA) if overdue for more than how many days?

  1. A. 30 दिन
  2. B. 90 दिन
  3. C. 60 दिन
  4. D. 180 दिन
Answer: 90 दिन
Explanation: 90 दिन — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q1

2. An asset is classified 'Sub-standard' if it has remained an NPA for a period of:

  1. A. 6 माह से कम
  2. B. 36 माह से अधिक
  3. C. 12 माह या उससे कम (≤ 12 months)
  4. D. 24 माह से अधिक
Answer: 12 माह या उससे कम (≤ 12 months)
Explanation: 12 माह या उससे कम (≤ 12 months) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q2

3. SLR (Statutory Liquidity Ratio) requires banks to maintain liquid assets — cash, gold, or approved government securities — held:

  1. A. SEBI के पास
  2. B. वित्त मंत्रालय के पास
  3. C. RBI के पास
  4. D. बैंक के स्वयं के पास (with the bank itself, not RBI)
Answer: बैंक के स्वयं के पास (with the bank itself, not RBI)
Explanation: बैंक के स्वयं के पास (with the bank itself, not RBI) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q3

4. CRR and SLR are reviewed and can be adjusted at RBI's meetings held by which body?

  1. A. SEBI बोर्ड, त्रैमासिक
  2. B. मौद्रिक नीति समिति (Monetary Policy Committee, MPC), द्विमासिक
  3. C. वित्त मंत्रालय, वार्षिक
  4. D. संसद, वार्षिक बजट सत्र में
Answer: मौद्रिक नीति समिति (Monetary Policy Committee, MPC), द्विमासिक
Explanation: मौद्रिक नीति समिति (Monetary Policy Committee, MPC), द्विमासिक — real, sourced fact per Participating Bank's notified rules/pattern.
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5. MCLR (Marginal Cost of Funds based Lending Rate) was implemented by RBI effective which date, replacing the earlier Base Rate system?

  1. A. 1 अप्रैल 2020
  2. B. 1 अक्टूबर 2019
  3. C. 1 अप्रैल 2016
  4. D. 1 जनवरी 2015
Answer: 1 अप्रैल 2016
Explanation: 1 अप्रैल 2016 — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q5

6. MCLR has four components: Marginal Cost of Funds, Negative Carry on CRR, Operating Costs, and:

  1. A. जोखिम भार (Risk Weight)
  2. B. अवधि प्रीमियम (Tenor Premium)
  3. C. विदेशी मुद्रा मार्जिन
  4. D. मुद्रास्फीति समायोजन
Answer: अवधि प्रीमियम (Tenor Premium)
Explanation: अवधि प्रीमियम (Tenor Premium) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q6

7. RBI mandated banks to link new floating-rate retail/MSME loans to an External Benchmark effective which date?

  1. A. 1 जनवरी 2020
  2. B. 1 अप्रैल 2021
  3. C. 1 अक्टूबर 2019
  4. D. 1 अप्रैल 2016
Answer: 1 अक्टूबर 2019
Explanation: 1 अक्टूबर 2019 — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q7

8. Under External Benchmark rules, banks must reset the interest rate on EBLR-linked loans at least once every:

  1. A. 6 माह में एक बार
  2. B. 3 माह में एक बार
  3. C. 1 वर्ष में एक बार
  4. D. 1 माह में एक बार
Answer: 3 माह में एक बार
Explanation: 3 माह में एक बार — real, sourced fact per Participating Bank's notified rules/pattern.
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9. Loans specifically benchmarked to the RBI repo rate are called:

  1. A. Base Rate loans
  2. B. PLR loans
  3. C. MCLR-linked loans
  4. D. Repo Linked Lending Rate (RLLR)
Answer: Repo Linked Lending Rate (RLLR)
Explanation: Repo Linked Lending Rate (RLLR) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q9

10. Under the Negotiable Instruments Act 1881, Section 4 defines a 'promissory note' as an unconditional written:

  1. A. बीमा अनुबंध
  2. B. भुगतान का आदेश (Order to pay)
  3. C. भुगतान का वचन (Undertaking to pay)
  4. D. गारंटी पत्र
Answer: भुगतान का वचन (Undertaking to pay)
Explanation: भुगतान का वचन (Undertaking to pay) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q10

11. Under the Negotiable Instruments Act 1881, Section 5 defines a 'bill of exchange' as an unconditional written:

  1. A. बीमा पॉलिसी
  2. B. भुगतान का आदेश (Order to pay, involving 3 parties)
  3. C. बचत योजना अनुबंध
  4. D. भुगतान का वचन (Undertaking to pay)
Answer: भुगतान का आदेश (Order to pay, involving 3 parties)
Explanation: भुगतान का आदेश (Order to pay, involving 3 parties) — real, sourced fact per Participating Bank's notified rules/pattern.
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12. Under the Negotiable Instruments Act 1881, Section 13 defines 'negotiable instrument' as which three types combined?

  1. A. केवल शेयर और डिबेंचर
  2. B. केवल चेक और डिमांड ड्राफ्ट
  3. C. वचन पत्र, विनिमय पत्र और चेक (Promissory note, bill of exchange, cheque)
  4. D. केवल बीमा पॉलिसी और बॉन्ड
Answer: वचन पत्र, विनिमय पत्र और चेक (Promissory note, bill of exchange, cheque)
Explanation: वचन पत्र, विनिमय पत्र और चेक (Promissory note, bill of exchange, cheque) — real, sourced fact per Participating Bank's notified rules/pattern.
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13. Under Priority Sector Lending (PSL) norms, what is the overall target for domestic commercial banks, as a percentage of Adjusted Net Bank Credit (ANBC)?

  1. A. 40 प्रतिशत
  2. B. 25 प्रतिशत
  3. C. 60 प्रतिशत
  4. D. 18 प्रतिशत
Answer: 40 प्रतिशत
Explanation: 40 प्रतिशत — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q13

14. A cheque not presented for payment within how many months of its issue date is considered a 'stale cheque' and becomes invalid?

  1. A. 1 माह
  2. B. 6 माह
  3. C. 12 माह
  4. D. 3 माह
Answer: 3 माह
Explanation: 3 माह — real, sourced fact per Participating Bank's notified rules/pattern.
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15. A 'crossed cheque' (two parallel transverse lines on its face) cannot be encashed over the counter and must be:

  1. A. खाते में जमा करना होगा (Deposited to an account)
  2. B. नकद के लिए तुरंत भुनाया जा सकता है
  3. C. इसे नष्ट करना होगा
  4. D. केवल जारीकर्ता को वापस करना होगा
Answer: खाते में जमा करना होगा (Deposited to an account)
Explanation: खाते में जमा करना होगा (Deposited to an account) — real, sourced fact per Participating Bank's notified rules/pattern.
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16. An NRE (Non-Resident External) account holds foreign earnings converted into which currency, with interest that is:

  1. A. विदेशी मुद्रा में, कर योग्य
  2. B. भारतीय रुपया (INR), पूर्णतः कर-मुक्त
  3. C. भारतीय रुपया, 30% कर योग्य
  4. D. अमेरिकी डॉलर, कर-मुक्त
Answer: भारतीय रुपया (INR), पूर्णतः कर-मुक्त
Explanation: भारतीय रुपया (INR), पूर्णतः कर-मुक्त — real, sourced fact per Participating Bank's notified rules/pattern.
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17. An NRO (Non-Resident Ordinary) account manages India-sourced income (rent, dividends); interest on it attracts TDS at:

  1. A. 20%
  2. B. कोई TDS नहीं
  3. C. 30% (अधिभार/उपकर सहित)
  4. D. 10%
Answer: 30% (अधिभार/उपकर सहित)
Explanation: 30% (अधिभार/उपकर सहित) — real, sourced fact per Participating Bank's notified rules/pattern.
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18. An FCNR account is a fixed deposit held directly in foreign currency (not converted to INR); NRO repatriation, by contrast, is capped at:

  1. A. कोई सीमा नहीं
  2. B. USD 100,000 प्रति माह
  3. C. USD 1 मिलियन प्रति वित्तीय वर्ष
  4. D. USD 10,000 प्रति वर्ष
Answer: USD 1 मिलियन प्रति वित्तीय वर्ष
Explanation: USD 1 मिलियन प्रति वित्तीय वर्ष — real, sourced fact per Participating Bank's notified rules/pattern.
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19. In loan classification, 'Cash Credit' (CC) is a working-capital facility typically secured against:

  1. A. स्टॉक/इन्वेंटरी/प्राप्तियां (Stock/inventory/receivables)
  2. B. केवल शेयर बाजार निवेश
  3. C. केवल सोना
  4. D. केवल अचल संपत्ति
Answer: स्टॉक/इन्वेंटरी/प्राप्तियां (Stock/inventory/receivables)
Explanation: स्टॉक/इन्वेंटरी/प्राप्तियां (Stock/inventory/receivables) — real, sourced fact per Participating Bank's notified rules/pattern.
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20. In loan classification, interest on a 'Term Loan' is charged on:

  1. A. कोई ब्याज नहीं लगता
  2. B. केवल शेष राशि पर
  3. C. केवल उपयोग की गई राशि
  4. D. पूर्ण स्वीकृत/वितरित राशि (Full sanctioned/disbursed amount)
Answer: पूर्ण स्वीकृत/वितरित राशि (Full sanctioned/disbursed amount)
Explanation: पूर्ण स्वीकृत/वितरित राशि (Full sanctioned/disbursed amount) — real, sourced fact per Participating Bank's notified rules/pattern.
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21. SARFAESI Act 2002, Section 13, empowers secured creditors to enforce security interest without court intervention after:

  1. A. बिना किसी सूचना के कभी भी
  2. B. ऋण स्वीकृति के तुरंत बाद
  3. C. उधारकर्ता द्वारा चूक (Borrower default)
  4. D. पहली किस्त चूकने पर तुरंत
Answer: उधारकर्ता द्वारा चूक (Borrower default)
Explanation: उधारकर्ता द्वारा चूक (Borrower default) — real, sourced fact per Participating Bank's notified rules/pattern.
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22. Under SARFAESI Act, a bank must issue a demand notice to a defaulting borrower before taking possession of secured assets — how many days' notice?

  1. A. 15 दिन
  2. B. 30 दिन
  3. C. 90 दिन
  4. D. 60 दिन
Answer: 60 दिन
Explanation: 60 दिन — real, sourced fact per Participating Bank's notified rules/pattern.
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23. Under SARFAESI Act, a borrower can challenge the bank's enforcement action before the Debt Recovery Tribunal (DRT) within how many days?

  1. A. 45 दिन
  2. B. 60 दिन
  3. C. 15 दिन
  4. D. 90 दिन
Answer: 45 दिन
Explanation: 45 दिन — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q23

24. Under DICGC (Deposit Insurance and Credit Guarantee Corporation), each depositor is insured up to what amount per bank?

  1. A. ₹1,00,000 (₹1 लाख)
  2. B. ₹5,00,000 (₹5 लाख)
  3. C. ₹10,00,000 (₹10 लाख)
  4. D. ₹2,00,000 (₹2 लाख)
Answer: ₹5,00,000 (₹5 लाख)
Explanation: ₹5,00,000 (₹5 लाख) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q24

25. Under SARFAESI Act, Section 31(i), which type of land is exempted from SARFAESI enforcement?

  1. A. आवासीय भूमि
  2. B. कृषि भूमि (Agricultural land used for farming)
  3. C. औद्योगिक भूमि
  4. D. वाणिज्यिक भूमि
Answer: कृषि भूमि (Agricultural land used for farming)
Explanation: कृषि भूमि (Agricultural land used for farming) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q25

26. Under the Banking Regulation Act 1949, Section 22 gives RBI the power to:

  1. A. सीधे बैंक का राष्ट्रीयकरण करना
  2. B. बैंकिंग लाइसेंस देना/अस्वीकार करना (Grant/refuse banking licenses)
  3. C. ब्याज दरें तय करना केवल
  4. D. GST दरें निर्धारित करना
Answer: बैंकिंग लाइसेंस देना/अस्वीकार करना (Grant/refuse banking licenses)
Explanation: बैंकिंग लाइसेंस देना/अस्वीकार करना (Grant/refuse banking licenses) — real, sourced fact per Participating Bank's notified rules/pattern.
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27. Under the Banking Regulation Act 1949, Section 45 allows RBI to seek Central Government approval for a moratorium (up to how long) on a stressed bank?

  1. A. 1 वर्ष तक
  2. B. 1 माह तक
  3. C. 6 माह तक
  4. D. 3 माह तक
Answer: 6 माह तक
Explanation: 6 माह तक — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q27

28. OMO (Open Market Operations), an RBI monetary tool, involves RBI buying/selling which instrument in the open market?

  1. A. सरकारी प्रतिभूतियां (Government securities)
  2. B. कॉर्पोरेट बॉन्ड
  3. C. विदेशी मुद्रा केवल
  4. D. शेयर बाजार सूचकांक
Answer: सरकारी प्रतिभूतियां (Government securities)
Explanation: सरकारी प्रतिभूतियां (Government securities) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q28

29. Under MSF (Marginal Standing Facility), banks borrow emergency overnight funds from RBI at a rate that is:

  1. A. रेपो दर के बराबर
  2. B. रेपो दर से अधिक (Higher than repo rate)
  3. C. शून्य ब्याज दर
  4. D. रेपो दर से कम
Answer: रेपो दर से अधिक (Higher than repo rate)
Explanation: रेपो दर से अधिक (Higher than repo rate) — real, sourced fact per Participating Bank's notified rules/pattern.
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30. Under MSF, banks borrow by dipping into which of their holdings — otherwise not permitted under normal repo operations?

  1. A. इक्विटी होल्डिंग्स
  2. B. SLR होल्डिंग्स
  3. C. विदेशी मुद्रा भंडार
  4. D. CRR होल्डिंग्स
Answer: SLR होल्डिंग्स
Explanation: SLR होल्डिंग्स — real, sourced fact per Participating Bank's notified rules/pattern.
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31. 'Repo rate' is the rate at which RBI does what with banks?

  1. A. बैंकों से उधार लेता है
  2. B. बैंकों को अनुदान देता है
  3. C. प्रतिभूतियों के विरुद्ध ऋण देता है (Lends against securities)
  4. D. बैंकों को जुर्माना लगाता है
Answer: प्रतिभूतियों के विरुद्ध ऋण देता है (Lends against securities)
Explanation: प्रतिभूतियों के विरुद्ध ऋण देता है (Lends against securities) — real, sourced fact per Participating Bank's notified rules/pattern.
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32. 'Reverse repo rate' is the rate at which RBI does what with banks?

  1. A. बैंकों को उधार देता है
  2. B. बैंकों को दंडित करता है
  3. C. बैंकों को कर छूट देता है
  4. D. बैंकों से उधार लेता है (Borrows from banks)
Answer: बैंकों से उधार लेता है (Borrows from banks)
Explanation: बैंकों से उधार लेता है (Borrows from banks) — real, sourced fact per Participating Bank's notified rules/pattern.
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33. India's first bank nationalization occurred on 19 July 1969, covering how many major commercial banks?

  1. A. 10 बैंक
  2. B. 20 बैंक
  3. C. 14 बैंक
  4. D. 6 बैंक
Answer: 14 बैंक
Explanation: 14 बैंक — real, sourced fact per Participating Bank's notified rules/pattern.
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34. India's second bank nationalization, in April 1980, covered how many additional banks (with deposits over ₹200 crore)?

  1. A. 20 बैंक
  2. B. 6 बैंक
  3. C. 14 बैंक
  4. D. 10 बैंक
Answer: 6 बैंक
Explanation: 6 बैंक — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q34

35. Under Basel III, what minimum total Capital Adequacy Ratio (CRAR) has RBI mandated for Indian scheduled commercial banks (stricter than the global 8% minimum)?

  1. A. 9 प्रतिशत
  2. B. 8 प्रतिशत (केवल वैश्विक न्यूनतम)
  3. C. 12 प्रतिशत
  4. D. 6 प्रतिशत
Answer: 9 प्रतिशत
Explanation: 9 प्रतिशत — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q35

36. Under payment systems, which one is settled only in real-time individually (not in batches), with a minimum transfer of ₹2 lakh?

  1. A. NEFT
  2. B. RTGS
  3. C. UPI
  4. D. IMPS
Answer: RTGS
Explanation: RTGS — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q36

37. Which payment system operates 24x7 but settles transfers in hourly batches rather than individually in real time?

  1. A. चेक क्लियरिंग
  2. B. RTGS
  3. C. NEFT
  4. D. IMPS
Answer: NEFT
Explanation: NEFT — real, sourced fact per Participating Bank's notified rules/pattern.
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38. SEBI, the securities market regulator, was first set up in 1988 (non-statutory) and became statutory under which Act, in 1992?

  1. A. कंपनी अधिनियम, 1956
  2. B. RBI अधिनियम, 1934
  3. C. SEBI अधिनियम, 1992
  4. D. बैंकिंग विनियमन अधिनियम, 1949
Answer: SEBI अधिनियम, 1992
Explanation: SEBI अधिनियम, 1992 — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q38

39. IRDAI, the insurance sector regulator, was established under which Act, in 1999?

  1. A. SEBI अधिनियम, 1992
  2. B. बीमा अधिनियम, 1938
  3. C. IRDA अधिनियम, 1999
  4. D. LIC अधिनियम, 1956
Answer: IRDA अधिनियम, 1999
Explanation: IRDA अधिनियम, 1999 — real, sourced fact per Participating Bank's notified rules/pattern.
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40. PFRDA, the pension sector regulator overseeing NPS, was established on which date?

  1. A. 1 अप्रैल 1999
  2. B. 1 जनवरी 1935
  3. C. 23 अगस्त 2003
  4. D. 23 अगस्त 1992
Answer: 23 अगस्त 2003
Explanation: 23 अगस्त 2003 — real, sourced fact per Participating Bank's notified rules/pattern.
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41. RBI adopted the rule that a loan becomes an NPA if overdue for more than 90 days, in which year?

  1. A. 1998
  2. B. 1991
  3. C. 2016
  4. D. 2004
Answer: 2004
Explanation: 2004 — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q41

42. Under Basel III, the capital conservation buffer adds how much on top of the base 8% minimum Capital Adequacy Ratio?

  1. A. 10 प्रतिशत
  2. B. 5 प्रतिशत
  3. C. 1 प्रतिशत
  4. D. 2.5 प्रतिशत
Answer: 2.5 प्रतिशत
Explanation: 2.5 प्रतिशत — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q42

43. Under Basel III capital classification, 'Tier 1 capital' refers to core capital, consisting of paid-up equity, share premium, statutory reserves, and:

  1. A. संकर लिखत (Hybrid instruments)
  2. B. प्रकटित मुक्त भंडार (Disclosed free reserves)
  3. C. अधीनस्थ ऋण (Subordinated debt)
  4. D. पुनर्मूल्यांकन भंडार (Revaluation reserves)
Answer: प्रकटित मुक्त भंडार (Disclosed free reserves)
Explanation: प्रकटित मुक्त भंडार (Disclosed free reserves) — real, sourced fact per Participating Bank's notified rules/pattern.
Share Link #q43

44. Priority Sector Lending (PSL) overall target for domestic commercial banks is 40% of ANBC; within this, the agriculture sub-target is:

  1. A. 18% of ANBC
  2. B. 5% of ANBC
  3. C. 25% of ANBC
  4. D. 10% of ANBC
Answer: 18% of ANBC
Explanation: 18% of ANBC — real, sourced fact per Participating Bank's notified rules/pattern.
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45. RBI's revised PSL Master Directions, replacing the 2020 framework, took effect from which date?

  1. A. 1 अप्रैल 2025
  2. B. 1 जुलाई 2017
  3. C. 1 जनवरी 2024
  4. D. 1 अप्रैल 2020
Answer: 1 अप्रैल 2025
Explanation: 1 अप्रैल 2025 — real, sourced fact per Participating Bank's notified rules/pattern.
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46. The statutory basis for KYC/AML guidelines in Indian banking is which Act?

  1. A. RBI अधिनियम, 1934
  2. B. धन शोधन निवारण अधिनियम (PMLA), 2002
  3. C. सूचना प्रौद्योगिकी अधिनियम, 2000
  4. D. बैंकिंग विनियमन अधिनियम, 1949
Answer: धन शोधन निवारण अधिनियम (PMLA), 2002
Explanation: धन शोधन निवारण अधिनियम (PMLA), 2002 — real, sourced fact per Participating Bank's notified rules/pattern.
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47. Under PMLA 2002 rules, banks must record all cash transactions exceeding what amount (or equivalent foreign currency)?

  1. A. ₹1 लाख
  2. B. ₹5 लाख
  3. C. ₹50 लाख
  4. D. ₹10 लाख
Answer: ₹10 लाख
Explanation: ₹10 लाख — real, sourced fact per Participating Bank's notified rules/pattern.
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48. Suspicious Transaction Reports (STRs) under PMLA must be filed with which body?

  1. A. SEBI
  2. B. RBI सीधे
  3. C. CBI
  4. D. वित्तीय आसूचना इकाई-भारत (FIU-IND)
Answer: वित्तीय आसूचना इकाई-भारत (FIU-IND)
Explanation: वित्तीय आसूचना इकाई-भारत (FIU-IND) — real, sourced fact per Participating Bank's notified rules/pattern.
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49. DICGC (Deposit Insurance Corporation) was established following the collapse of which two banks in 1960?

  1. A. लक्ष्मी बैंक और पलाई सेंट्रल बैंक (Laxmi Bank and Palai Central Bank)
  2. B. ग्लोबल ट्रस्ट बैंक और यस बैंक
  3. C. इंडियन बैंक और सिंडिकेट बैंक
  4. D. पंजाब नेशनल बैंक और यूको बैंक
Answer: लक्ष्मी बैंक और पलाई सेंट्रल बैंक (Laxmi Bank and Palai Central Bank)
Explanation: लक्ष्मी बैंक और पलाई सेंट्रल बैंक (Laxmi Bank and Palai Central Bank) — real, sourced fact per Participating Bank's notified rules/pattern.
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50. The Credit Guarantee Organisation (set up 1960) merged with the Deposit Insurance Corporation on which date to form DICGC?

  1. A. 1 जनवरी 1962
  2. B. 15 जुलाई 1978
  3. C. 1 अप्रैल 1980
  4. D. 19 जुलाई 1969
Answer: 15 जुलाई 1978
Explanation: 15 जुलाई 1978 — real, sourced fact per Participating Bank's notified rules/pattern.
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51. In Clerk-to-Officer (Scale I) bank promotion, which IIBF professional qualification is commonly a supporting/gating requirement?

  1. A. CAIIB केवल
  2. B. CFA
  3. C. ICWA
  4. D. JAIIB (Junior Associate of Indian Institute of Bankers)
Answer: JAIIB (Junior Associate of Indian Institute of Bankers)
Explanation: JAIIB (Junior Associate of Indian Institute of Bankers) — real, sourced fact per Participating Bank's notified rules/pattern.
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52. In Officer Scale II-to-III bank promotion, which additional qualification is commonly a supporting requirement?

  1. A. CAIIB (Certified Associate of Indian Institute of Bankers)
  2. B. केवल कंप्यूटर डिप्लोमा
  3. C. केवल JAIIB
  4. D. केवल परास्नातक डिग्री
Answer: CAIIB (Certified Associate of Indian Institute of Bankers)
Explanation: CAIIB (Certified Associate of Indian Institute of Bankers) — real, sourced fact per Participating Bank's notified rules/pattern.
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53. RBI's Integrated Ombudsman Scheme became effective on 12 November 2021, adopting which principle?

  1. A. "वन नेशन वन ऑम्बड्समैन" (One Nation One Ombudsman)
  2. B. "जीरो टॉलरेंस पॉलिसी"
  3. C. "एक बैंक एक शिकायत"
  4. D. "डिजिटल फर्स्ट बैंकिंग"
Answer: "वन नेशन वन ऑम्बड्समैन" (One Nation One Ombudsman)
Explanation: "वन नेशन वन ऑम्बड्समैन" (One Nation One Ombudsman) — real, sourced fact per Participating Bank's notified rules/pattern.
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54. In Clerk-to-Officer (Scale I) promotion, which professional qualification (from the Indian Institute of Banking & Finance) is commonly a supporting/gating requirement?

  1. A. ICWA
  2. B. JAIIB (Junior Associate of Indian Institute of Bankers)
  3. C. CFA (Chartered Financial Analyst)
  4. D. CAIIB केवल Scale I हेतु अनिवार्य
Answer: JAIIB (Junior Associate of Indian Institute of Bankers)
Explanation: JAIIB (Junior Associate of Indian Institute of Bankers) — real, sourced fact per Participating Bank's notified rules/pattern.
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55. In Officer Scale II-to-III promotion, which additional banking qualification is commonly a supporting factor?

  1. A. केवल स्नातकोत्तर डिग्री
  2. B. CAIIB (Certified Associate of Indian Institute of Bankers)
  3. C. केवल कंप्यूटर डिप्लोमा
  4. D. केवल JAIIB
Answer: CAIIB (Certified Associate of Indian Institute of Bankers)
Explanation: CAIIB (Certified Associate of Indian Institute of Bankers) — real, sourced fact per Participating Bank's notified rules/pattern.
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56. CRR (Cash Reserve Ratio) requires banks to keep a percentage of total deposits with RBI; what interest do banks earn on CRR balances?

  1. A. 4% निश्चित
  2. B. कोई ब्याज नहीं (No interest)
  3. C. रेपो दर के बराबर
  4. D. बचत खाता दर के बराबर
Answer: कोई ब्याज नहीं (No interest)
Explanation: कोई ब्याज नहीं (No interest) — real, sourced fact per Participating Bank's notified rules/pattern.
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