Showing 151–160 of 246 questions
Q.151
Medium
General Awareness
As per recent RBI guidelines (2024), what is the threshold loan amount for priority sector lending to agriculture?
A
₹50 lakhs
B
₹75 lakhs
C
₹1 crore
D
₹2 crores
Correct Answer:
A. ₹50 lakhs
Explanation:
RBI prescribes priority sector lending to agriculture with a loan limit of ₹50 lakhs for individual farmers.
Q.152
Medium
General Awareness
Which of the following is a characteristic of a Certificate of Deposit (CD)?
A
It is a demand deposit
B
It is a negotiable, fixed-income security issued at a discount
C
It offers variable interest rates
D
It can be withdrawn without penalty before maturity
Correct Answer:
B. It is a negotiable, fixed-income security issued at a discount
Explanation:
CDs are negotiable instruments issued by banks at a discount, sold in the money market, with fixed maturity periods.
Q.153
Medium
General Awareness
What does CASA ratio signify in banking?
A
Current Account to Savings Account ratio - measure of deposit mix
B
Capital Adequacy Stress Assessment ratio
C
Credit Assessment and Sanction Authority
D
Compliance and Safety Analysis ratio
Correct Answer:
A. Current Account to Savings Account ratio - measure of deposit mix
Explanation:
CASA ratio reflects the proportion of Current Accounts to Savings Accounts, indicating low-cost deposit base quality.
Q.154
Medium
General Awareness
What is the mandated percentage of credit disbursement for Micro and Small Enterprises (MSE) under priority sector lending?
Explanation:
RBI mandates that at least 12% of total priority sector lending should go to Micro and Small Enterprises.
Q.155
Medium
General Awareness
A bank's Loan-to-Deposit (LTD) ratio is 95%. What does this indicate?
A
Strong liquidity position with conservative lending
B
Aggressive lending with potential liquidity stress
C
Excellent profitability
D
Poor asset quality
Correct Answer:
B. Aggressive lending with potential liquidity stress
Explanation:
An LTD ratio of 95% indicates the bank is lending aggressively relative to deposits, which may strain liquidity.
Q.156
Medium
General Awareness
Which bank is the oldest bank in continuous operation in India?
A
State Bank of India
B
Bank of India
C
Punjab National Bank
D
Allahabad Bank
Correct Answer:
D. Allahabad Bank
Explanation:
Allahabad Bank, established in 1865, is the oldest bank in continuous operation in India and was the first bank founded by Indians.
Q.157
Medium
General Awareness
As per RBI's latest norms (2024), what is the minimum capital adequacy ratio (CAR) for scheduled commercial banks?
Explanation:
RBI prescribes a minimum CAR of 10.5% for scheduled commercial banks, which includes minimum Tier I capital of 7.5%.
Q.158
Medium
General Awareness
Which of the following accurately describes a Statutory Liquidity Ratio (SLR)?
A
Percentage of deposits banks must maintain as cash in hand
B
Percentage of deposits banks must maintain in liquid assets like government securities
C
Percentage of loans banks can issue against deposits
D
Percentage of capital reserves banks must hold
Correct Answer:
B. Percentage of deposits banks must maintain in liquid assets like government securities
Explanation:
SLR is the percentage of deposits that banks must maintain in prescribed liquid assets such as government securities and treasury bills.
Q.159
Medium
General Awareness
What is the current SLR requirement as per RBI guidelines (2024)?
Explanation:
As per RBI's current guidelines, the Statutory Liquidity Ratio is fixed at 18% of net demand and time liabilities.
Q.160
Medium
General Awareness
What is the purpose of the Pradhan Mantri Mudra Yojana (PMMY)?
A
To provide housing loans to poor families
B
To provide collateral-free loans to micro and small enterprises
C
To provide agricultural loans to farmers
D
To provide education loans to students
Correct Answer:
B. To provide collateral-free loans to micro and small enterprises
Explanation:
PMMY aims to promote micro and small enterprises by providing collateral-free loans up to 10 lakhs for business activities.
