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New product launched by SBI for Wealth Management is called
SBI for HNI
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The aggregate exposure to all 'large borrowers' should not exceed ....... % of Bank's capital funds
As per loan policy guidelines of the bank, Perfection of securities must be completed within ....... days of disbursement
MobiCash subscribers can also use this service over USSD by dialing which number?
The packets or boxes accepted for keeping in safe custody must bear which of the following seals:
Seal of the bank
Seal of the depositor
None of the above
Notes presented in small numbers: where the number of notes presented by a person is upto 20 pieces with a maximum value of ……per day, banks should exchange them over the counter, free of charge.
If the garnishee order is received on a firm?s account, what would be the position of individual account of partners being maintained with same bank branch?
The order will be applicable
The order will not be applicable
It will be applicable through special order of court
Near Miss Event is
a market risk event
a credit risk event
an operational risk event
What is the legal capacity of nominee while taking payment on behalf of legal heirs of deceased depositors?
Owner of funds
In Pradhan MantriFasalBimaYojana (PMFBY) what is the premium in case of annual commercial and horticultural crops?
The term 'Allonge' refers to
The sheets of paper used in Sale deed
The stamps affixed on document
A sheet of paper attached to mortgage deed for the purpose of witness
A sheet of paper attached to a negotiable instrument for the purpose of making endorsement
Accounts of bullion dealers/jewelers are classified as?.risk
In Xpress Credit, Minimum Cap under OD facility is_____
eTrade SBI enables the customer to request the bank online
To apply for bid bond
To Issue Letters of Credit and to handle related bill transactions
To pay for the vendors
To manage the entire supply chain
SBI In-Cube is a dedicated branch for
Assisting sellers in E-commerce transaction
On boarding of start-ups
Online account opening
Risk management & wealth management
In terms of RBI instructions, Standard Asset provisioning on CRE Home Loans above Rs. 75 Lacs is
Which register is used to record the detail of changes and amendments of user type, capability, user reset and forced closures?
User Control Register
User Access Register
Hardware Access Register
System Room Access register
What is lock in period in CGTMSE
18 months from date of last disbursement
18 months from date of issuance of guarantee cover
a or b whichever is earlier
a or b whichever is later
Minimum & Maximum Limit of STATE BANK ACHIEVER CARD for Corporate
100 & 100000
100 & 50000
500 & 100000
500 & 50000
What is meant by pre-existing individual accounts for FATCA & CRS?
Only SB Individual accounts exists in bank books on or before a cutoff date
All type of individual account SB, CA, Debit balances in DL/TL Overdraft account, TDR, STDR accounts exists in bank's book as on before a cut-off date.
All type of individual account SB, CA, Credit balances in DL/TL/Overdraft account, TDR, STDR accounts exist in bank's book as on or before a cut-off date.
Joint individual account will not be taken
A firm M/s Bhimani has 5 partners, viz A, B, C, D and E. The current account can be operated by any of the first four partners. A cheque for Rs.25000 favoring State Electricity Board is presented for payment. In the meantime, E issued a notice to stop payment of cheque. What is the action to be undertaken by the Bank?
Cheque issued for a small amount, hence to be paid
Cheque issued in favor of State Electricity board, hence to be paid
E has no authority to operate the account, hence to be paid
Cheque not to be paid, as any partner has authority to stop operations
Translink software is used by the branches / offices for
handling Forex transactions
handling Western Union remittances
handling treasury operations
handling CMP transactions
Name the Encryption Mechanism implemented for online banking www.onlinesbi.com
32 Bit SSL
64 Bit SSL
128 Bit SSL
256 Bit SSL
Mr. Samir is a Project Manager in a multinational company having a good pay package. He wants to construct a house on a plot which was gifted to his wife by his father in law. His wife is a housewife. Can we provide loan to Mr. Samir?
Loan can be given to wife of Mr. Samir
Loan can be given to Samir alone
Loan can be given if wife of Mr. Samir acts as a co borrower
Information Security Department is headed by
CGM Risk Management
GM, IT Security
DMD & CRO
GM & Group CISO
Recently in which state the SAUBHAGYA Scheme was launched as a part of achieving universal household electrification in the country?
Number of IRAC status codes for Loan Accounts in B@NCS24 is
DRP and BCP are prepared in the first week of........every year for approval by controlling authority
Which Bank has launched a new scheme for self-help groups (SHGs) to encourage entrepreneurship, the scheme named PattabhiSitaramayya ' Self Business Group (PS-SBG)'
Dishonour of electronic funds transfer for insufficient funds in the account is defined under section?
SBI Custodial Services Pvt. Ltd is established in joint venture with
Society General, France
Bank of America
What is the fidelity insurance for SWO?
The appellate authority under Banking Ombudsman Scheme is _________.
Deputy Governor, RBI
Chairman of the Bank concerned
High Court of the state
Ram Traders, partnership firm has 3 partners A, B & C. The a/c is operated by A or B singly and C is a sleeping partner. C instructs the bank to stop the payment of a cheque issued by A.
Cannot be stopped since he is sleeping partner
Can be stopped only if both partners A & B gives instruction
Can be stopped by the request given by authorized partners only
Can be stopped by any partner
Card launched for cash less drive through toll plazas
Non-individual account holders with credit/debit summation below?..is classified as low risk
Rs. 50 Lacs
Rs. 1 crore
Rs. 2 crores
Rs. 5 crores
Bank has allowed two demand loans one against LIC policy and another against national saving certificate. What kind of charge is available?
assignment for LIC policy and pledge for NSC
Pledge for LIC policy and assignment for NSC
Pledge in both the cases
assignment in both the case
In any CBS system Interest frequency has to be defined while opening a TDR account along with the account number in which the interest has to be credited by the system. Which of the interest frequency can NOT be given?
IBCH overnight cash retention limit is:
Rs. 2 lacs
Rs. 1 Lac
Rs. 5 lacs
As per Policy guidelines 2017-18, the target of operating profit to increase by minimum?.
Margin in Doctor Plus is........%
What is the nodal agency for implementing PMEGP Scheme at National level?
If a bill is drawn without any genuine trade transaction, it is known as
While sending Soiled note remittance to RBI, remittance should be sent in the multiples of
‘X’ has a joint “former or survivor” account XY with his wife ‘Y’. ‘X’ has an overdraft account, where he is not paying dues. Can you exercise right of set off as a banker-------
No, in joint accounts it is not possible
Yes, it is possible as the account is former or survivor
Yes, after obtaining consent of Y
Yes, after obtaining court order
If a letter of credit is advised by the Bank, it is responsible for??.
Financial standing of the issuing bank
Financial standing of the applicant
Payment of the LC amount
Genuineness of the LC
For financing new high tech product Poly House/Net House/Green House cultivation what is the repayment period?
For financing Combine Harvesters (as an attachment/equipment) the farmer should own a tractor of not less than........HP?
What is the minimum CIBIL score required for Insta Top-Up Loan?
No such stipulation
E-waste includes which of the following?
Electronics items only
Electrical & Electronics items
Electrical, Electronic and papers
Letter of Credit transactions are governed by
Maximum Home Loan for Repairs to damaged dwelling units per family at metro centers that comes under priority sector is?
Rs. 3 Lacs
Rs. 5 Lacs
Rs. 2 Lacs
Rs. 10 Lacs
Name the Indian Economist who was appointed to the Financial Stability Institute Advisory Board of the Bank of International Settlement (BIS).
RBI Governor Urjit Patel
Former RBI Governor RaghuramRajan
Former PM Manmohan Singh
The minimum amount eligible for takeover in case of ATL–for Allied Activities Would be as under
If re-issuable bank notes are found to be in excess of ___% in any soiled note remittance, the entire remittance will be returned to the Bank at its cost
'Indemnity' is defined under section?of the Indian Contract Act, 1872
Excess cash found in the cash balance of an SWO has to be credited to
Sundry deposit account
In case of private merchants (Other than govt.) the merchant site must be audited by ............ auditors for E-Handshake
Earnest & Young
Collateral security has been waived under produce marketing loans scheme where stocks are managed by approved collateral Managers for loan limit upto Rs._____
Rs. 10 lacs
Rs. 50 lacs
Rs 100 lacs
After creation of mortgage, creation of charge needs to be registered on the Central Registry portal within ...... days of the creation of charge
Your Branch has a Trust account. All the four Trustees want to authorize one of them to sign on their behalf. How to deal with the situation?
Letter of authority must be signed by all
Letter of authority should be consented by the Commissioner of Charity
Authority would be valid only when the cheques are drawn for achievement of the objectives of the Trust.
If Trust Deed provides for such an authority, it can be accepted
Negative lien means
A declaration by company not to encumber assets of company without prior consent of banker
Deposit of title deeds with the bank with an oral declaration to mark bank's lien
A letter executed by a company authorizing the bank to mark lien on it's FDR receipt
A trust letter executed by company when goods are taken from the pledged stock
Which form is used for registering the Administrator in CINB?
The relationship of banker and payee in case of a draft after it is delivered to the payee is
Debtor and Creditor
Creditor and debtor
Trustee and beneficiary
Agent and Principal
Maximum period for construction of house under SBI Realty is ........months from the date of availment of the loan
The RBI has allowed ARCs to hold more than ___________ post conversion of debt into equity in companies undergoing restructuring recently.
Insurance Company providing the risk cover under Pradhan Mantri Suraksha BimaYojana (PMSBY) is----
SBI Life Insurance Company Limited
National Insurance Co. Ltd (NICL)
Oriental Insurance Co. Ltd (OICL)
SBI General Insurance co
SHG has been implemented on the recommendation of
Suma Verma Committee
RV Gupta Committee
If govt. account is not credited within the stipulated period under OLTAS, interest @ BankRate +……. % will be charged
External Credit Rating (ECR) is mandatory for all exposures above......
Which one of the following is not one of the categories of the branch classified under Ambience Policy?
The smallest paper denomination note in India, One Rupee Note completed its 100 years on November 30, 2017. Which among the following facts is true about a One Rupee Note:
It has Ashok Pillar in the window with Satyamev Jayte written on it
It is the only Currency Note or an asset and not a Promissory Note
It is signed by Finance Secretary
Its Size is 9.7 x 6.3 cm
A Holder in Due Course of a cheque does not get protection in case of?.
Irregularity in endorsement
Forging an endorsement
Default in the title of previous holder
The bank has right to sell the gold ornaments pledged, after giving reasonable notice to borrower vide section......of the Indian Contract Act
SBI Life Insurance is a joint venture between State Bank of India and ---
BNP Paribas Cardif
Insurance Authority of Australia
Morgan Stanley group
CCRO stands for
Corporate Centre Recovery Officer
Circle Credit & Recovery Officer
Circle Credit & Risk Officer
Chief Credit & Risk Officer
Our bank has established contact centre at
Bangalore, Kolkata, Vadodara, Chennai
Bangalore, Agra, Kolkata, Vadodara
Bangalore, Vadodara, Delhi , Mumbai
Bangalore, Kolkata, Chennai, Mumbai
Export bills discounting without recourse
Retirement of import bills
Crystallization of bills
Reports relating to GLIF ' matching of B@NCS24 and Finance1 ' indicating the differences if any are available at a CBS branch
Within 1 hour of sending EOD signal
Before sending EOD signal
On the next day
Which of the following SME document is Supplemental Agreement of Loan cum hypothecation?
In IMT, the receiver can withdraw the money within......days?
AB7 document is obtained to___
Conversion of Crop loan into Term Loan
Notice to Borrower
Agreement to Mortgage
Deduction of tax at source in respect of deductee who is a non-resident filed under TDS return
i-Probe is mandatory for all loan applications of
Rs. 50 Lacs & above
Rs. 75 Lacs & above
Rs. 10 Lacs & above
Rs. 1 crore & above
Mid-Corporate Group (MCG) Branches are allowed to handle proposals for limit of
Above Rs. 10 crores and upto Rs.100 crores
Above Rs. 50 crores and upto Rs.100 crores
Above Rs. 50 crores and upto Rs.500 crores
Above Rs. 500 crores
Disaster Recovery Site is located at
Stressed Assets Management Group (SAMG), has been set up to take over all NPAs with outstanding of Rs. ------crore and above.
A cheque is received by the branch for payment issued by one of the customers. Meanwhile a request is received by a public prosecutor informing that the person issued the cheque is imprisoned for criminal activity and directs the branch not to make payment of the said cheque. What is expected by the branch?
Branch should not make the payment
Branch should ask for court order
Branch should insist written request
Branch can make the payment
Who is authorized to block ports through firewall
IT-Networking dept. as advised by ISD
Marginal farmers will be sanctioned a composite limit (As Flexi KCC limit) of Rs. 10000/- to........based on the land holding and crop grown+ small term loan investments.
Rs. 25, 000/-
Rs. 15, 000/-
A and B maintain a joint Current account at your branch with the mandate 'Either or Survivor'. A draws a cheque for Rs.50000/- and B countermands payment of this cheque. A objects to this countermand and insists that the cheque be honored:
The cheque will be paid; only the person drawing the cheque can countermand its payment.
The cheque will not be paid; and further operations on the account will be allowed only under the joint signatures of A and B till a fresh mandate is received.
The bank should postpone payment of the cheque till the differences between A and B is resolved.
In the event of non-payment of rent for a locker, the locker can be broken open effectively after…….from the due date.
In case of no nomination in PPF account, the outstanding amount will be paid to legal heirs of the deceased without succession certificate up to:
The Centre has approved setting up of _________________________ across 115 most backward districts of the country through a new scheme for reaching out to rural women and facilitating skill development, employment, digital literacy, health and nutrition.
Pradhan MantriMahila Shakti Kendras
Pradhan MantriRojgar Shakti Kendras
Pradhan MantriBalika Shakti Kendras
Pradhan MantriPurush Shakti Kendras
The data related to 'On-Line VVR' allotment and checking would be available online in the CBS up to
As per MSMED Act 2006 small enterprises engaged in service activities are defined as those having an investment in original equipments up to
Rs 5 lacs
Above Rs10 lacs up to Rs 2 Crs
Above Rs 5 lacs up to Rs 1 cr
Inspection and Management Audit in corporate centre headed by
In computer security, this describes a non-technical kind of intrusion that relies heavily on human interaction. It often involves tricking people to break their own security procedures.
A person will be declared as legally dead, if for a period of ………….years or more the persons who would have normally known of his existence have not heard of him/known of his existence.
In the event of loss of laptop whom should be contacted immediately
Controller & Information Security Department
Bank?s Security Officer
ATM Response Code '62' refers to:
Withdrawal limit exceeded
Pin Tries exceeded
CENMAC (Central Office Management Committee) consists of?..
Chairman, MDs and DMDs
Chairman and MDs
Chairman, MDs, DMDs, CGMs of all Circles
Institutionalized Currency Cash of Monetary System
Integrated Computerized Currency Operations and Management System
Internet enabled Currency and Cash operations Management System
Integrated Cash Component Operations and Management System
As per the policy guidelines of our Bank for 2017-18 what is the quantitative target for CASA- Minimum?
Under SBI Flexi Home Loan, minimum and maximum loan tenor are
25 years/30 years
20 years/30 years
15 years/30 years
10 years/30 years
The Bank has decided to provide each branch two 2 Mbps bandwidth links to ensure that all applications at branches run smoothly and uninterruptedly & launched a project called
If the materially altered cheque is paid and the alteration is not visible even after careful examination of the cheque , the bank is protected under which section of Negotiable Instruments Act 1881
No protection is available
What do you mean by Co-payment in health insurance policy
amount payable by the company
Amount expected to be paid by the insured for a medical services covered by the plan.
Amount expected to be paid by the insured and the company for a medical services covered by the plan.
Amount expected to be paid by the insured, TPA and the Insurance company for a medical services covered by the plan.
Registration of partnership firm is not compulsory but banks prefer registered firms because
Only Registered firms can be sued by others
Only Registered Firms can sue others
Registered firms can't sue others
Registered firms can neither sue nor be sued
Which is the nodal branch for ASBA facility?
Diamond dollar branch, Mumbai
Capital Market Branch, Mumbai
New Delhi Main branch
GAD Operations branch, Nagpur
In CBS, management of security forms has also been made a part of the software/system through menu- VPIS. The term VPIS stands for
Valuable Paper Instrument System
Valuable Paper Inventory System
Valuable Paper Inventory Solution
Valuable Paper Industry Sector
With which country has the CBDT (Central Board of Direct Taxes) recently entered into 2 Bilateral APAs (Advance Pricing Agreements)?
Under SBI Scholar loan scheme loan will be granted without any tangible collateral, only parent/guardian as co-borrower up to Rs……..Lacs & with tangible collateral of full value and parent/ guardian as co-borrower uptoRs…….. Lacs for ‘C’ category institutions
Merchant Discount Rate (MDR) is the rate at which:
Commission received in case of Point Of Sale
Discount given by the merchant to the Customer for purchasing of goods
Inland bills are discounted
Foreign bills are discounted
While renewing the credit limits of the company, you find that the Debt Equity Ratio is 3 compared to that of 2.5 in the previous year. It indicates
Increase of Profit enabled the Company to add to Reserves
Decrease of Debt Burden on the Company
Adverse Impact on Profit on account of increased debt burden
Prudential Exposure limit for single and group borrowers other than infrastructure projects is -- & --% capital of the bank
20% & 40%
15% & 40%
25% & 50%
10% & 20%
Tax is required to be deducted at source when rent payments made in a financial year [including advance, if any] exceed Rs.......
When funds from NRE accounts are repatriated, the exchange risk is borne by:
Section 31 of RBI Act prohibits?
Issuance of Traveller'sCheques
Issuance of Currency Notes
Issuance of draft payable to bearer
Lending against bank's own shares
SBI Net Profit as on 31.03.2017
If a loan is covered under the facility of consortium banking, for issuing a possession notice under Section 13(4) of the SARFESI Act, 2002, the secured creditor having ........ % or more shares in security has rights to issue the said notice
51% and above
55% and above
60% and above
70% and above
Bank gets commission from PFRDA for each APY account sourced is ---
MMID (Mobile Money Identifier) comprised of how many digits?
Name India's tennis star who has clinched his first title of the 2017 season on the ATP Challenger Tour.
While converting crop loan into term loan, interest portion is:
Paid by the borrower
Written off by the bank
May be paid by the borrower or clubbed with the principal
Contributed by the state government
In case of Loyalty Car Loan above which amount of car loan extension on mortgaged property is required?
To be eligible for SME Credit Plus, minimum CRA Rating should be
Which form is used as Application for Registration Certificate of vehicle signed by Branch Manager?
Customer Service Committee and observing Customer Day are the outcomes of
An STDR is opened at your branch for Rs.12000/- payable to A or B. The mode of operation is E or S. They have nominated C as a Nominee to the account. Both A and B died in a car accident. Legal heirs of A and also C have approached your branch for payment of the proceeds. What the Branch should do?
The amount can be paid to the nominee who in turn is responsible to legal heirs of A &B
Amount must be paid to the legal heirs of A & B and C jointly
Amount must be paid to the legal heirs of A and B who in turn are responsible to C
Hold must be put and Controllers advice and/or Branch Advocate must be taken in the matter.
As per Loan Policy guidelines 2017-18 Desired DSCR in case of manufacturing segment is:
Who is the designated authority under Whistle Blower Policy?
Chief Vigilance Officer
Statutory Audit conducted by?
Bank's Internal Auditors
Chartered Accountants empanelled by RBI
Of the following choices, which indicates when it is safe to open a file attached to an e-mail?
When you know the sender, the attachment is expected, and it is not unusual in any way.
When the e-mail is only sent to you
When the attachment is not an .exe or .com
When you know the sender
SB Connect, the dedicated lease line connectivity is maintained by
Dimension Data Singapore
HP Systems, USA
Banks has require to maintain Capital Adequacy Ratio as per BASEL III, by March-2019
The bank has acquired 'Finance-one' from
China Systems, Dubai
Replacing the existing line, the International Monetary Fund has approved a new USD 88 billion credit line for _________________ to deal with a potential need for liquidity.
Which of the following committee will look into and manage the reduction of liquidity and interest rate risk and optimization of returns?
Asset Liability Management Committee
Inspection and Audit Management System
Bank Risk Management Committee
Corporate Risk Mitigation Department
International rating agency Moody's Investors Service has upgraded India's local and foreign currency issuer ratings to _________________.
Baa1 from Baa2
Baa2 from Baa3
Baa1 from Baa3
P2 from P3
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