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Tuesday, July 22, 2014

GENERAL AWARENESS PRACTICE MCQs FOR IBPS EXAM

1. RBI has permitted the NBFC-ND to act as Business Correspondents of banks with an aim of spreading financial inclusion on 24th June 2014. NBFC-ND stands for?
1) Non Banking Finance Company at New Delhi
2) Non Banking Finance Company Non- Drawer
3) Non-deposit Non Banking Finance Company
4) New Director Non Banking Finance Company
5) None

2. On 1st July 2014, which committee submitted the report on Data and Information Management in RBI?
1) Anand Sinha
2) H.R. Khan
3) Arundhathi Bhattacharya
4) Rakesh Mohan
5) D.K. Mohanty

3. Largest domestic issuer of overseas bond is?
1) PNB
2) SBI
3) BOI
4) IOB
5) ICICI

4. RBI was formed on the recommendations of .......... commission.
1) Kelkar
2) Curzon
3) Hilton -Young
4) Minto-morley
5) None

5. Hamara Khaata Hamara Swabhimaan (Our Account Our Pride) scheme to provide the No frill accounts to poor announced by?
1) Indian Banks Association and SBI
2) RBI and IBA
3) Indian Banks Association and Ministry of Finance
4) SBI and IDBI
5) Ministry of Finance and World Bank

6. Banks usually share the information of CIBIL at the time of giving credit to the borrowers. CIBIL stands for?
1) Core Inform Bureau (India) Limited
2) Credit Information Bureau (India) Limited
3) Consumer Information Bureau (India) Limited
4) Credit Information Board (India) Limited
5) Collective Information Bureau (India) Limited

7. In the term 'EMI'. E means ....... (This term used in loans).
1) Ebb
2) Engine
3) End
4) Equated
5) None

8. Savings account cannot be opened by?
1) Teacher
2) House Wife
3) Farmer
4) Person doing Money Laundering
5) Person doing more than two businesses

9. What is the condition for a bank to be called
a 'Scheduled Bank'?
1) Its business has crossed Rs.1000-cr mark.
2) Its branch network is over 100.
3) It is included in the second schedule of the RBI Act.
4) It complies with all the above conditions.
5) None

10. PJ Nayak Committee submitted its report to the RBI on 24th May 2014, has mention about the dual regulation of Public Sector Banks (PSBs) as they are regulated by the RBI as well as the .........
1) Ministry of Finance
2) Ministry of Commerce and Industry
3) Ministry of Law
4) Ministry of Home Affairs
5) None of above

11. Regarding Indian Currency the statements relating to RBI given. Pick the incorrect one?
1) It issues Rs.2 and above paper currency till Rs.1000 paper currency now .
2) It was given power to issue the paper currency denomination up to Rs.10,000.
3) It issues Rs.1 also .
4) Coins Mint by Government of India
5) It acts as the Government's agent for issue and distribution of coins.

12. MICR cheques are familiar these days. In MICR, first three digits say the city name or district name and next three digits say?
1) branch code
2) bank license code
3) bank name
4) bank head office name
5) None

13. Present CRR is .......
1) 4%
2) 22.5%
3) 8%
4) 7%
5) 9%

14. Union Budget for 2014-15 proposes REITS for infrastructure projects to reduce pressure on banking system. REITs stands for?
1) Real Estate Investment Trusts
2) Real Estate Innovation Trusts
3) Real Estate Infrastructure Trusts
4) Real Estate Industrial Trusts
5) None of these

15. Which scheme introduced to help in generating awareness and improving the efficiency of delivery of welfare services meant for women with an initial corpus of Rs.100 crore in the Union Budget 2014-15?
1) Beti Bachao, Beti Badhao Yojana
2) Beti Bachao, Beti Banhao Yojana
3) Beti Bachao, Beti Padhao Yojana
4) Beti Padhao, Beti Jaman Yojana
5) None

16. First indigenous Anti-Submarine Warship (ASW) joined Indian Naval Ship on 12th July 2014. It is .......
1) INS Kamorta
2) INS Sindur
3) INS Konkan
4) INS Lakor
5) None

17. FIFA suspended which nation from all international football competitions on 9th July 2014, alleging the government interference is more in that nation's food ball federation?
1) Nigeria
2) Brazil
3) Switzerland
4) Sweden
5) Norway

18. Rammasun, the strong typhoon attacked large parts of the ............ on 15th July 2014?
1) India
2) Egypt
3) Philippines
4) Italy
5) None

19. 6th BRICS Summit held on 15-16 July 2014 at .......
1) Fortaleza, Brazil
2) Ufa, Russia
3) New Delhi, India
4) Beijing, China
5) None

20. BRICS development bank will be having headquarters at?
1) New Delhi
2) Shanghai
3) Brasilia
4) Johannesburg
5) Moscow

21. India and which nation decided to launch negotiations for civil nuclear cooperation on 8 July 2014. This nation's foreign secretary of state William Hague visiting India for this purpose.
1) USA
2) Bulgaria
3) New Zealand
4) UK
5) Germany

22. In the education schemes, MDMS stands for?
1) Mid Day Maintenance Scheme
2) More Day Meal Scheme
3) Mid Dull Meal Scheme
4) Mid Day Meal Scheme
5) None

23. On 11th July, 2014, Supreme Court ordered Union Government to bring wages under MGNREGS on par with minimum wages existing under different states. MGNREGS stands for?
1) Mahatma Gandhi National Rural Employment Group Scheme.
2) Mahatma Gandhi National Rural Employment Guild Scheme.
3) Mahatma Gandhi National Rozgar Employment Guarantee Scheme.
4) Millennium Gandhi National Rural Employment Guarantee Scheme.
5) Mahatma Gandhi National Rural Employment Guarantee Scheme

24. Who was awarded with the prestigious Gandhi Peace Prize for 2013?
1) Dalia lama
2) Barack Obama
3) Chandi Prasad Bhatt
 4) Shianzo Abe
5) None

25. Keshari Nath Tripathi took oath as the Governor of?
1) West Bengal
2) UP
3) Odisha
4) Meghalaya
5) None

26. New state formed recently ........
1) Purvanchal
2) Haritha Pradesh
3) Kodagu
4) Telangana
5) Bodo land

27. Who was elected as the 10th president of Israel on 10th June 2014 succeeding Shimon Peres?
1) Benjamin Netanyahu
2) Francis Holliand
3) Reuven Ruby Rivlin
4) Joe Baden
5) None

28. FIFA 2014 foot ball cup won by ...
1) Germany
2) Italy
3) France
4) USA
5) None

29. Which Indian Ace Tennis Player and Cara Black of South Africa were ranked careerbest fifth in the latest WTA Doubles Rankings?
1) Rushmi Chakravarthi
2) Ankita Bhambri
3) Sania Mirza
4) Manisha Malhotra
5) None

30. On 10th July 2014, UNO released World Urbanization Prospects report. As per it the most populous city in the world is Tokyo having 38 million populations. Which city got second rank having 25 million population?
1) New York
2) Milan
3) Jakarta
4) Ottawa
5) New Delhi

31. 'Land Belongs to the Future - Let's Climate Proof It' is theme of World Day to Combat Desertification. The World Day to Combat Desertification observed on ........
1) 10th June
2) 17th June
3) 1st July
4) 10th May
5) 10th July

32. Who releases first Encyclopedia on Hinduism, edited by Swami Chidanand Saraswatiji of the Parmarth Niketan Rishikesh?
1) Abdul Kalam
2) Sonia Gandhi
3) Pranab Mukherjee
4) Narendra Modi
5) None

33. Thailand capital is?
1) Kuala Lumpur
2) Hanoi
3) Canberra
4) Colombo
5) Bangkok

34. Which nation allows dual citizenship for the children of immigrants on 3rd July 2014?
1) USA
2) Canada
3) Germany
4) France
5) Italy

35. Swami and His Friends, Grand Mother's Tale, A Tiger for Malgudi, The Man-eater of Malgudi, A Horse and Two Goats, The Bachelor of Arts are the books of ........
1) Mulk Raj Anand
2) Raja Rao
3) Vivekananda
4) R.K. Narayan
5) None

36. Flipkart, India's largest e-retailer, on 22 May 2014 acquired the country's biggest fashion portal?
1) Myntra
2) Snapdeal
3) Amazon
4) e-bay
5) None

37. CCEA headed by .......
1) Commerce Minister
2) Finance Minister
3) Prime Minister
4) President of India
5) None

38. Marylebone Cricket Club XI on 5th July 2014 won the match played to celebrate 200- years (bi-centenary of Lord's Cricket Ground on 5th July 2014. The team led by?
1) Steve Waugh
2) Kapil Dev
3) Sachin Tendulkar
4) Shen Warne
5) None

39. Chief Ministers combination given. Locate the wrong option.
1) Assam - Tarun Gogoi
2) Haryana - Bhupinder Singh Hooda
3) Jharkhand - Raman Singh
4) Manipur - Ibobi Singh
5) Meghalaya - Mukul Sangma

40. Pension scheme for farmers and scheme to air-lift doctors to remote areas introduced on 5th June 2014 by?
1) Uttarakhand
2) Odisha
3) HP
4) Delhi
5) Kerala

ANSWERS:

1-3, 2-5, 3-2, 4-3, 5-3, 6-2, 7-4, 8-4, 9-3, 10-1
11-3, 12-3, 13-1, 14-1, 15-3, 16-1, 17-1, 18-3, 19-1, 20-2
21-4, 22-4, 23-5, 24-3, 25-1, 26-4, 27-3, 28-1, 29-3, 30-5
31-2, 32-3, 33-5, 34-3, 35-4, 36-1, 37-3, 38-3, 39-3, 40-1

Monday, July 21, 2014

Highlights of the Union Budget 2014-15

Here are the highlights of the Budget 2014-15 presented by Finance Minister Arun Jaitley.


Fiscal deficit
● Accepts fiscal deficit target of 4.1 percent of GDP for 2014/15
● Fiscal deficit seen at 3.6 percent of GDP in 2015/16
● Finance Minister says: "We cannot spend beyond our means"
● Tax-to-GDP ratio must be raised

Growth
● Aims for sustained growth of 7-8 percent in the next 3-4 years
● Finance minister says he is bound to usher in policies for higher growth, lower inflation

Taxation
● Aims to approve goods and services tax by end of this year
● Will not change rules on retrospective taxation
● All pending cases of retrospective tax for indirect transfers to be examined by a high-level committee before action is taken
● Proposes changes in transfer pricing mechanism
● Extends 5 percent withholding tax on corporate bonds until June 30 2017
● Income tax exemption limit raised by Rs 50,000 to Rs 2.5 lakh and for senior citizens to Rs 3 lakh
● Government expects Rs 9.77 lakh crore revenue crore from taxes
● Long term capital gain tax for mutual funds doubled to 20 per cent; lock-in period increased to three years
● Excise duty on footwear reduced from 12 per cent to 6 per cent
● Net effect of direct tax proposals is revenue loss of Rs 22,200 crore
● Tax proposals on indirect tax front would yield Rs. 7,525 crore

Investment
● Raises limit on foreign direct investment in defence sector from 26 per cent to 49 per cent; raises FDI limit in insurance sector to 49 percent
● Earmarks Rs 7000 Crore to create 100 "smart cities"
● Will provide the necessary tax changes to introduce real estate investment trusts and infrastructure investment trusts
● Proposes Rs 4000 crore for affordable housing through national housing bank and extends tax incentives for housing loans
● Exemption limit for investment in financial instruments under 80C raised to Rs 1.5 lakh from Rs 1 lakh.
● Investment limit in PPF raised to Rs 1.5 lakh from Rs 1 lakh
Foreign direct investment
● Raises limit on foreign direct investment in defence sector from 26 percent to 49 percent
● Raises FDI limit in insurance sector from 26 percent to 49 percent

Spending
● Capital outlay for defence raised by 50 billion rupees over interim budget
● Earmarks Rs 7000 crore to create 100 "smart cities"
● Proposes Rs 5000 crore for warehousing capacity; 100 billion rupees of private capital for start-up companies; and 378 billion rupees of investment in national and state highways
● Rs 4000 crore for affordable housing proposed through national housing bank and extends tax incentives for housing loans
● Proposes Rs 8000 crore for rural housing scheme

Subsidies
● Plans to make food and petroleum subsidies more targeted
● Rural job-guarantee scheme, which provides 100 days of paid employment a year, will become more focused on asset creation
● Proposes Rs 8000 crore for rural housing scheme

Agriculture
● Will focus on achieving 4 growth per year in agriculture
● Proposes a long-term rural credit fund with an initial corpus of Rs 5000 crore
● Rs 100 crore for development of organic farming

Social sector
● Pension Scheme to be revived for a year (Aug 15-14) for citizens above 60
● Rs 50,548 crore for SC welfare schemes.
● Rs 32,387 crore for ST welfare schemes.

Infrastructure
● Earmarks Rs 500 crore for 24x7 uninterrupted power in all homes
● Rs 100 crore for metro projects in Lucknow and Ahmedabad
● Rs 2,037 crore set aside for Integrated Ganga Conservation Mission called 'Namami Gange'
● Rs 200 crore for world-class sports stadium in Jammu and Kasmir
● Trade Facilitation Centre in Varanasi Handloom and Crafts Museum
● Rs 1000 crore to enhance rail connectivity in the Northeast
● Rs 2250 crore for the development and modernization of the border infrastructure
● A project on the river Ganga called 'Jal Marg Vikas' for inland waterways between Allahabad and Haldia; Rs 4,200 crore set aside for the purpose
● War memorial to be set up along with a war museum; Rs 100 crore set aside for this
● Rs 7,060 crore for setting up 100 Smart Cities

Education
● Five more IIMs to be opened in HP, Punjab, Bihar, Odisha and Rajasthan
● Five more IITs in Jammu, Chattisgarh, Goa, Andhra Pradesh and Kerala.
● Four more AIIMS like institutions to come up in Andhra Pradesh, West Bengal, Vidarbha in Maharashtra and Poorvanchal in Uttar Pradesh

Tourism
● E-Visas to be introduced at 9 airports
● Finance Minister says tourism helps in job creation and e-visas will encourage more tourists to visit India
● A provision of Rs 500 crore for five tourism sector.

Banking
● Deduction limit on interest on loan for self-occupied house raised to Rs 2 lakh from Rs 1.5 lakh.
● Set aside Rs 11,200 crore for PSU banks capitalisation
● Government in favour of consolidation of PSU banks
● Government considering giving greater autonomy to PSU banks while making them accountable
● PSUs to invest to over Rs 2.47 lakh crore this fiscal

Others
● Earmarks Rs 200 crore for Sardar Patel statue
● Proposes Rs 150 crore for improving women safety
● LCD, LED TV become cheaper
● Cigarettes, pan masala, tobacco, aerated drinks become costlier
● Government proposes to launch Digital India' programme to ensure broad band connectivity at village level
● Rs 100 crore scheme to support about 600 new and existing Community Radio Stations
● Rs 150 crore for Communication facilities in Andaman and Nicobar Islands
● Rs 188 crore for disaster preparedness in Puducherry
● Rs 3,600 crore for providing safe drinking water
● North-stop 24-hour channel is proposed to be introduced
● Farmer TV channel will be launched for the benefit of farmers.
● Rs 200 crore to make Delhi a world class city for social welfare and Rs 500 crore for energy
● Kisan Vikas Patra to be reintroduced, National Savings Certificate with insurance cover to be launched
● 'Pandit Madan Mohan Malviya New Teachers Training Programme' launched with initial sum of Rs 500 crore
● Government provides Rs 500 crore for rehabilitation of displaced Kashmiri migrants
● Indian Custom Single Window Project to be taken up for facilitating trade

Railway Budget 2014-15 Highlights

Union Railways Minister Sadananda Gowda presented the Rail Budget in the Parliament 8 July, 2014.


 Here are the highlights:

 ● Grateful to honourable PM Narendra Modi ji for having given me this opportunity and for entrusting me with this responsibility
 ● Honesty is the first chapter in the book of wisdom
 ● It gives me immense pleasure to present my first Railway Budget flooded with suggestion for new trains, new railway lines
 ● We now target to become the largest freight carrier in the world
 ● Indian railways carry only 31% of the total freight in the country. It is a challenge we have to face
 ● 5 lakh crore required each year for the next ten years for ongoing projects alone
 ● 23 paisa lost per passenger per km in 2012-13
 ● Social obligation of Railways in 2013-14 was Rs. 20,000 crore
 ● Focus on sanctioning projects rather than completing them
 ● The more projects we add the thinner we spread our resources
 ● I can get claps from this house by announcing many new projects but that would be rendering injustice to the struggling organization
 ● The fare revision was tough but a necessary decision - it will bring Indian Railways an additional revenue of 8,000 crores
 ● Indian Railways carries more than the entire population of Australia in a day
 ● Populist projects and mismanagement have brought Railways to point of funds crunch
 ● This state of affairs in railways needs immediate course correction
 ● Gross traffic receipts in 2013-14 was Rs. 1.3 lakh crore, operating ratio was 94 per cent
 ● Indian Railways spent Rs. 41,000 crore on laying of 3,700 km of new lines in last 10 years
 ● Need to explore alternative sources of resource mobilisation and not depend on fare hike alone
 ● Large part of the budget outlay to go to safety projects
 ● Maximum financial outlays for projects slated for completion in this area itself
 ● High priority areas - safety, cleanliness, passenger amenities and capacity augmentation
 ● Future projects to be financed on public-private partnership model
 ● Plans to attract investment from domestic and foreign players in infrastructure; focus to be on aggressive indigenisation
 ● FY15 Total Expenditure Pegged At Rs.1.49 lakh crore
 ● FY15 total receipts pegged at Rs.1.64 lakh crore
 ● Propose to hike budgetary plan outlay to Rs.47,650 crore
 ● FY15 passenger fare revenue pegged at Rs.44,600 crore
 ● Pre-cooked meals by reputed brands, focus on cleanliness and passenger feedback
 ● Outsource cleaning activities at 50 major stations, separate housekeeping wing for cleanliness and sanitation
 ● CCTVs to be used for monitoring cleanliness
 ● RO Drinking water at stations and trains
 ● Corporates encouraged to adopt stations for better maintenance and upkeep
 ● 17,000 Railway Protection Force personnel to be available soon
 ● Introduction of women RPF constables, coaches meant for women to be escorted for greater safety

 Bullet train:
 ● Indian Railways on course to fulfill its long cherished dream. I propose a Bullet train on the Ahmedabad - Mumbai sector
 ● Higher speed for existing trains will be achieved by upgrading the present network
 ● 23 projects underway in North-East. Propose to allocate higher funds than previous year for these projects


New Trains and Extended Trains in Rail Budget 2014 

58 new trains, including five new 'Jansadharan' trains and an equal number of premium group of trains have been proposed in the Rail Budget presented by railway minister Sadananda Gowda on 8 July, 2014.

The new trains include six AC Express trains, 27 Express trains, eight passenger trains, two Mainline Electric Multiple Unit (MEMU) services and 5 Diesel Electric Multiple Unit (DEMU) services besides extension of 11 existing trains.

Jansadharan Trains
(1) Ahmedabad-Darbhanga Jansadharan Express via Surat
(2) Jaynagar-Mumbai Jansadharan Express
(3) Mumbai-Gorakhpur Jansadharan Express
(4) Saharasa-Anand Vihar Jansadharan Express via Motihari
(5) Saharasa-Amritsar Jansadharan Express

Premium Trains
(1) Mumbai Central-New Delhi Premium AC Express
(2) Shalimar-Chennai Premium AC Express
(3) Secunderabad-- Hazrat Nizamuddin Premium AC Express
(4) Jaipur-Madurai Premium Express
(5) Kamakhya-Bengaluru Premium Express

AC Express Trains
(1) Vijayawada-NewDelhiAPExpress (Daily)
(2) LokmanyaTilak(T)-Lucknow (Weekly)
(3) Nagpur-Pune (Weekly)
(4) Nagpur-Amritsar (Weekly)
(5) Naharlagun-NewDelhi (Weekly)
(6) Nizamuddin-Pune (Weekly)

Express Trains
(1) Ahmedabad-Patna Express (Weekly) via Varanasi
(2) Ahmedabad- Chennai Express (Bi-weekly) via Vasai Road
(3) Bengaluru -Mangalore Express (Daily)
(4) Bengaluru -Shimoga Express (Bi-weekly)
(5) Bandra(T)-Jaipur Express (Weekly) Via Nagda, Kota
(6) Bidar-Mumbai Express (Weekly)
(7) Chhapra-Lucknow Express (Tri-weekly) via Ballia, Ghazipur, Varanasi
(8) Ferozpur-Chandigarh Express (6 days a week)
(9) Guwahati-Naharlagun Intercity Express (Daily)
(10) Guwahati-Murkongselek Intercity Express (Daily)
(11) Gorakhpur-Anand Vihar Express (Weekly)
(12) Hapa-Bilaspur Express (Weekly) via Nagpur
(13) Hazur Saheb Nanded-Bikaner Express (Weekly)
(14) Indore-Jammu Tawi Express (Weekly)
(15) Kamakhya-Katra Express (Weekly) via Darbhanga
(16) Kanpur-Jammu Tawi Express (Bi-weekly)
(17) Lokmanya Tilak(T)-Azamgarh Express (Weekly)
(18) Mumbai_Kazipeth Express (Weekly) via Balharshah
(19) Mumbai-Palitana Express (Weekly)
(20) New Delhi -Bhatinda Shatabdi Express (Bi-weekly)
(21) New Delhi-Varanasi Express (Daily)
(22) Paradeep-Howrah Express (Weekly)
(23) Paradeep-Visakhapatnam Express (Weekly)
(24) Rajkot-Rewa Express (Weekly)
(25) Ramnagar-Agra Express (Weekly)
(26) Tatanagar Baiyyappanahali (Bengaluru) Express (Weekly)
(27) Visakhapatnam-Chennai Express (Weekly)

Passenger Trains 
(1) Bikaner-Rewari Passenger (Daily)
(2) Dharwad-Dandeli Passenger (Daily) via Alnavar
(3) Gorakhpur-Nautanwa Passenger (Daily)
(4) Guwahati-Mendipathar Passenger (Daily)
(5) Hatia-Rourkela Passenger
(6) Byndoor-Kasaragod Passenger (Daily)
(7) Rangapara North-Rangiya Passenger (Daily)
(8) Yesvantpur-Tumkur Passenger(Daily)

MEMU services 
(1) Bengaluru-Ramanagaram 6 days a week (3Pairs)
(2) Palwal-Delhi-Aligarh

DEMU services 
(1) Bengaluru -Neelmangala (Daily)
(2) Chhapra-Manduadih (6days a week) via Ballia
(3) Baramula-Banihal (Daily)
(4) Sambalpur-Rourkela (6 days a week)
(5) Yesvantpur-Hosur (6 days a week)

Extension of Run of Existing Trains 
(1) 22409/22410 Anand Vihar Sasaram Garib Rath Express to Gaya
(2) 12455/12456 Delhi Sarai Rohilla Sriganganagar Express to Bikaner
(3) 15231/15232 Gondia Muzaffarpur Express to Barauni
(4) 12001/12002 New Delhi Bhopal Shatabdi Express to Habibganj
(5) 54602 Ludhiana-Hissar Passenger to Sadulpur
(6) 55007/55008 Sonpur-Kaptanganj Passenger to Gorakhpur
(7) 55072/55073 Gorakhpur-Thawe Passenger to Siwan
(8) 63237/63238 Buxar-Mughalsarai MEMU to Varanasi
(9) 63208/63211 Jhajha-Patna MEMU to Jasidih
(10) 64221/64222 Lucknow Hardoi MEMU to Shahjahanpur
(11) 68002/68007 Howrah-Belda MEMU to Jaleswar

GENERAL AWARENESS PRACTICE QUESTIONS FOR IBPS CWE

1. Which of the following public sector companies was conferred the coveted 'Navratna' status on
2014 June 24?
1) Rashtriya Chemicals and Fertilizers Limited
2) National Hydropower Corporation Limited
3) Mazagaon Dock Limited
4) Bharat Sanchar Nigam Limited
5) Engineers India Limited

2. Which of the following organizations released World Investment Report 2014 recently?
1) WTO
2) UNCTAD
3) WEF
4) World Bank
5) IMF

3. According to the World Investment Report 2014, which country has retained its top position as the world's most attractive investment destination?
1) China
2) USA
3) Indonesia
4) India
5) Saudi Arabia

4. Who has been confirmed as the first Chairman of the International Cricket Council (ICC) on 2014 June 26?
1) Najam Sethi
2) Giles Clarke
3) Alan Isaac
4) N. Srinivasan
5) David Morgan

5. Which Bollywood actor will be honored with the 'Legion of France', one of the highest civilian awards of France?
1) Salman Khan
2) Hrithik Roshan
3) Aamir Khan
4) Akshay Kumar
5) Shah Rukh Khan

6. FIFA banned Luis Saurez for nine international matches after he was seen biting Italy's Giorgio Chiellini in a World Cup match in June 2014. Luis Saurez is a football player from?
1) Switzerland
2) Honduras
3) Uruguay
4) Mexico
5) Argentina

7. Identify the mismatched pair?
1) Arvind Mayaram - Finance Secretary
2) Shaktikanta Das - Revenue Secretary
3) R.P. Wattal - Expenditure Secretary
4) Ravi Mathur - Disinvestment Secretary
5) G.S. Sandhu - Economic Affairs Secretary
8. Who was named as the winner of the 2014 PEN Pinter Prize on 2014 June 20?
1) Jhumpa Lahiri
2) Arundhati Roy
3) Jeet Thayil
4) Salman Rushdie
5) Rahul Bhattacharya

9. The Expert Committee to Revise and Strengthen the Monetary Policy Framework was headed by?
1) Anand Sinha
2) Urjit Patel
3) T.M. Bhasin
4) H.R. Khan
5) Bimal Jalan

10. Nachiket Mor committee suggested setting up of specialized banks to cater to low-income households to ensure that all citizens above the age of 18 years have bank accounts by?
1) 2015 January 1
2) 2016 January 1
3) 2015 April 1
4) 2016 April 1
5) 2015 August 15

11. Which of the following signed an agreement with the Export Import Bank of Korea for infrastructure finance in January 2014?
1) IIFCL
2) IFCI
3) IDFC
4) NABARD
5) SIDBI

12. The 800 MW Tawang hydroelectric project is coming up in?
1) Sikkim
2) Meghalaya
3) Assam
4) Tripura
5) Arunachal Pradesh

13. The Rashtriya Kishor Swasthya Karyakram is a health program for?
1) Infants
2) Old people
3) Adolescents
4) Women
5) Children below 10 years

14. Which of the following became the first insurer in India to launch an all-women branch in Pune in January 2014?
1) ICICI Lombard
2) Future Generali
3) Tata AIG General
4) Bajaj Allianz
5) Aegon Religare

15. Who won the Chennai Open tennis tournament in January 2014?
1) Johan Brunstrom
2) Mate Pavic
3) Frederik Nielsen
4) Edouard Roger Vaselin
5) Stanislas Wawrinka

16. Which country won their first Hopman Cup tennis title in Perth, Australia on January 4, 2014?
1) France
2) Poland
3) Australia
4) USA
5) Switzerland

17. Which of the following is an annual world mixed team tennis championships?
1) Davis cup
2) Fed cup
3) Hopman cup
4) Wimbledon
5) None of these

18. Who won the women's singles title in the Syed Modi International India Grand Prix Gold
Badminton Championship in Lucknow on 2014 January 26?
1) Saina Nehwal
2) P.V. Sindhu
3) Jia Yi Fan
4) Chen Qingchen
5) Juliane Schenk

19. Which country won the Hockey World League final in New Delhi in January 2014?
1) Netherlands
2) New Zealand
3) England
4) Australia
5) Belgium

20. Nikhat Zareen of India won a gold medal in an international tournament in which of the following
sports in January 2014?
1) Chess
2) Table Tennis
3) Tennis
4) Boxing
5) Archery

21. India won the 2014 Under-19 Asia Cup Cricket in January 2014. Who is the captain of the winning team?
1) Ankush Bains
2) Akhil Herwadkar
3) Sanju Samson
4) Chama Milind
5) Vijay Zol

22. Sanil Shetty and Ankita Das are the national champions in?
1) Squash
2) Chess
3) Golf
4) Table Tennis
5) Archery

23. Which of the following credit rating agencies has launched a financial inclusion index?
1) ICRA
2) CIBIL
3) CRISIL
4) CARE
5) Fitch

24. As per the Reserve Bank of India new norms, now non-banking financial companies (NBFCs) can give a loan up to what percent of the gold value against the previous limit of 60 per cent?
1) 65%
2) 70%
3) 80%
4) 75%
5) 100%

25. Which of the following private banks became the first to open a branch in China in January 2014?
1) ICICI Bank
2) HDFC Bank
3) Yes Bank
4) Federal Bank
5) Axis Bank

26. Arun Tiwari is the Chairman and Managing Director of?
1) Bank of Baroda
2) Andhra Bank
3) Allahabad Bank
4) Union Bank of India
5) None of these

27. The Lokmanya Tilak National Award for Excellence in Journalism was conferred on which of the following media persons on 2014 January 4?
1) Mammen Mathew
2) Shekar Gupta
3) Prabhu Chawla
4) Prannoy Roy
5) Siddartha Varadarajan

28. The BCIM corridor will run from Kunming in China to which of the following Indian cities?
1) Agartala
2) Shillong
3) Kolkata
4) Itanagar
5) Dispur

29. National Education Day is celebrated on?
1) November 9
2) November 11
3) November 17
4) November 19
5) November 13

30. Who took over as the Chief Executive Officer of the Central Board of Film Certification (CBFC) in January 2014?
1) Dilip Modi
2) Rajendra Pawar
3) Rakesh Kumar
4) C.N. Nataraj
5) None of these

31. Insurance Regulatory and Development Authority (IRDA) has set up a committee to look into having 100% foreign direct investment (FDI) in insurance intermediaries and Third Party Administrators (TPAs). The committee is headed by?
1) Suresh Mathur
2) Rakesh Bajaj
3) Nimisha Srivastava
4) Mukesh Sharma
5) T.S. Naik

32. Who won the 12th Parsvanath Grand Masters International Chess tournament in New Delhi on January 16, 2014?
1) Abhijit Gupta
2) Deepan Chakravarthy
3) Surya Shekhar Ganguly
4) P. Harikrishna
5) Sahaj Grover

33. Mehdi Jomaa assumed office as the Prime Minister of which of the following countries on January 29, 2014?
1) South Africa
2) Libya
3) Tunisia
4) Ethiopia
5) Niger

34. The World Health Organization has declared Peshawar as the world's largest reservoir of Polio.
Peshawar is in?
1) Bangladesh
2) Afghanistan
3) Iran
4) Pakistan
5) Nigeria

35. The United Nations Organization and its partners have launched 'No Lost Generation' initiative to save the children of?
1) Libya
2) Yemen
3) Jordan
4) Lebanon
5) Syria

36. Park Geun-hye visited India in January 2014. She is the President of?
1) Vietnam
2) North Korea
3) South Korea
4) Philippines
5) Cambodia

37. The foundation stone of 2,800 MW nuclear power plant has been laid at Gorakhpur village in
Fatehabad district of?
1) Uttar Pradesh
2) Haryana
3) Uttarakhand
4) Himachal Pradesh
5) Jharkhand

ANSWERS:
1) 5 2) 2 3) 1 4) 4 5) 5 6) 3 7) 5 8) 4 9) 2 10) 2
11) 1 12) 5 13) 3 14) 4 15) 5 16) 1 17) 3 18) 1 19) 1 20) 4
21) 5 22) 4 23) 3 24) 4 25) 5 26) 4 27) 1 28) 3 29) 2 30) 3
31) 1 32) 1 33) 3 34) 4 35) 5 36) 3 37) 2

GENERAL AWARENESS PRACTICE MCQs FOR IBPS EXAMS

1. Promote sustainable and equitable agriculture and rural prosperity through effective credit support is the mission of......
1) NABARD
2) SBI
3) RBI
4) EXIM Bank
5) None

2. NABARD stands for .......
1) National Bank for Agriculture and Related Development
2) National Agriculture Bank and Rural Development
3) National Bank for Agri-goods and Rural Development
4) National Bank for Agriculture and Rural Development
5) None

3. Agriculture Apex Development Bank is....
1) NABARD
2) Co-operative Bank
3) RBI
4) SBI
5) None

4. Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) submitted a report on 28 November 1979 recommended RBI to establish NABARD. The committee headed by......
1) Hilton-Young
2) Narasimham
3) Sivaraman
4) Mutturaman
5) Vaidyanathan

5. National Bank for Agriculture and Rural Development (NABARD) established on....
1) 12 July 1991
2) 12 July 1992
3) 12 July 2002
4) 12 July 1982
5) 1 July 1955

6. By transferring the agricultural credit functions of RBI and refinance functions of the then ARDC, NABARD came in to existence in 1982. ARDC stands for.....
1) Agricultural Regional and Development Corporation
2) Agricultural Refinance and Development Corporation
3) Agricultural Refinance and Domestic Corporation
4) Agri Refinance and Development Corporation
5) None

7. Which bank was under the obligation for facilitating credit flow for promotion and development of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts
1) SBI
2) NHB
3) NABARD
4) HDFC
5) RBI

8. The main function of NABARD includes....
1) Lending
2) Refinance
3) Co-ordinating lending
4) Assistance in Refinance
5) All of above

9. NABARD Head office is in..........
1) Kolkata
2) New Delhi
3) Chennai
4) Mumbai
5) Lucknow

10. The present chairman of NABARD is.....
1) UK Sinha
2) Rahul Khullar
3) Raghuram Rajan
4) T.S. Vijayan
5) Harsh Kumar Bhanwala

11. DEDS will be continued in the financial year 2014-15 also as told by NABARD on 30 May 2014. DEDS stands for...
1) Drought Entity Development Scheme
2) Dairy Entrepreneurship Door Scheme
3) Delay Entrepreneurship Development Scheme
4) Dairy Entrepreneurship Development Scheme
5) None

12. JLG the new concept developed by NABARD aimed to provide institutional credit to small farmers like share croppers, oral lessees and agricultural labourers. JLG stands for.......
1) Joint Loan Group
2) Join Liability Group
3) Joint Liability Grades
4) Joint Liberal Group
5) Joint Liability Group

13. Providing financial services in two broad areas of agriculture and microfinance. NABFINS provides credit and other facilities for promotion, expansion, commercialization and modernization of agriculture and allied activities. NABFINS means.....
1) NABARD Financial Services Limited
2) NABARD Financial Securities Limited
3) NABARD Financial Services Loan
4) NBFC Financial Services Limited
5) None

14. NABCONS engaged in providing consultancy in all spheres of agriculture, rural development
and allied areas. NABCONS mean........
1) NABARD Consumer Services
2) NABARD Custom Services
3) NABARD Company Services
4) NABARD Consultancy Services
5) None

15. The NABARD declared to rejuvenate PACs by converting them into multi-services centers.
What is meant by PAC?
1) Preliminary Agricultural Co-operatives
2) Primary Agricultural Consortium
3) Point to Point Agricultural Co-operatives
4) Progress Agricultural Co-operatives
5) Primary Agricultural Co-operatives

16. With effect from 1 April 2014, credit linked back ended subsidy Scheme, ISAM came in to existence and being implemented by NABARD. ISAM stands for......
1) Indian Scheme for Agricultural Marketing
2) Integrated Scheme for Arid Marketing
3) Integrated Scheme for Agricultural Marketing
4) Integrated Scheme for Agricultural Manufacturing
5) None

17. On 28 May 2014, NABARD seeks the additional capital support of Rs. ........... from government.
1) 200
2) 500
3) 1200
4)2000
5) 1500

18. NABARD has withdrawn the controversial scheme of.......
1) Funding Small Farmers
2) Funding Agriculture Labour
3) Funding Rural Warehousing
4) Funding Corporate Warehousing
5) None

19. National Bank Staff College runs by NABARD. It is at.........
1) Chennai
2) Hyderabad
3) Baroda
4) Lucknow
5) Mangalore

20. National Bank Training Centre run by NABARD is at .........
1) Delhi
2) Pune
3) Kolkata
4) Lucknow
5) Hyderabad

21. In the NABARD Warehousing Scheme (NWS) 2013-14, the NABARD can give loans to Public and Private infrastructure companies to construct......
1) construction of warehouses
2) cold storages
3) cold chains and silos
4) All of above
5) None of above

22. NABARD's authorized capital is...........
1) Rs.10,000 cr
2) Rs.35,000 cr
3) Rs.50,000 cr
4) Rs.20,000 cr
5) None

23. RBI objected the norms of ........ scheme of NABARD, though later rectified by NABARD.
1) MFI
2) MSME
3) RIDF
4) SME
5) SHG

24. RIDF stands for .......
1) Regional Infrastructure Development Fund
2) Rural Investment Development Fund
3) Rural Infrastructure Development Fund
4) Rural Infrastructure Drought Fund
5) None

25. By mid June 2014, Bank credit grew at ...... percent year-onyear to Rs. 60,90,030 crore.
1) 18.25
2) 13.88
3) 11.25
4) 19.25
5) 21.25

26. Union government appreciated the opening of Repository at Hyderabad. Repository helps....
1) to provide policy holders the facility to keep insurance policies in electronic form.
2) to provide policy holders the facility to keep insurance policies in physical form.
3) to provide LIC agents the facility to keep insurance policies in electronic form.
4) to provide policy holders the facility to keep insurance policies in rough form.
5) None

27. On 7 July 2014, Supreme Court said which courts are illegal?
1) Civil courts
2) Lok Adalats
3) Criminal courts
4) High court benches
5) Shariat courts

28. To which state the Supreme Court had given direction to stop mining in Aravali hills on 4 July 2014?
1) Rajasthan
2) MP
3) Chhattisgarh
4) Jharkhand
5) Haryana

29. Haryana Chief Minister is........
1) Virbhadra Singh
2) Vasundhara Raje
3) Bhupinder Singh Hooda
4) Jagannath Pahadia
5) None

30. 12th Agricultural Science Congress to be held in Karnal in 2015, organised by the National Academy of Agricultural Sciences (NAAS). Where is NAAS?
1) Haryana
2) Jammu and Kashmir
3) Karnataka
4) AP
5) Telangana

31. A trial run of a semi-high-speed train recently run between Delhi and .......
1) Agra
2) Bhopal
3) Mathura
4) Jhansi
5) Indore

32. Prime Minister of India inaugurated the 240 MW Uri-II Hydro Electric Project (HEP) on 4 July 2014. It is in.........
1) Jammu and Kashmir
2) Haryana
3) Chhattisgarh
4) Jharkhand
5) Odisha

33. Katra-Udhampur railway line of Jammu inaugurated by Prime Minister to facilitate easy access to the pilgrims to visit......
1) Mata Vaishno Devi Shrine
2) Manasa Sarovar Darsan
3) Kedarnath Temple
4) Kailasnath Hill Darsan
5) None

34. Supreme Court on 1 July 2014 directed which state make efforts to restore the beauty of the world-famous Dal Lake?
1) Haryana
2) Delhi
3) Himachal Pradesh
4) Jammu and Kashmir
5) AP

35. Chief Minister of Jammu and Kashmir is....
1) Farooq Abdullah
2) Narinder Nath Vohra
3) Omar Abdullah
4) Najma Hepthulla
5) None

36. In order to facilitate access to published works for persons who are blind and visually impaired, which treaty was ratified by India on 30 June 2014?
1) Geneva
2) Bretton Woods
3) Panchaseel
4) Marrakesh
5) None

37. Recently in which metro city the 11 storey building collapsed on 29 June 2014, took away more than 60 lives?
1) Hyderabad
2) Visakhapatnam
3) Chennai
4) Bangalore
5) None

38. Project Seabird Phase II, the naval base in Karwar got clearance from the Union Ministry of Environment and Forests on 9 June 2014. Karwar is in....
1) Karnataka
2) Maharashtra
3) Goa
4) AP
5) Odisha

39. A north eastern state notified to provide 12 percent horizontal reservation for Below Poverty Line (BPL) candidates in all state government jobs on 5 June 2014. It is....
1) Sikkim
2) Meghalaya
3) Manipur
4) Arunachal Pradesh
5) None

40. Sikkim Chief Minister is........
1) Tarun Gogoi
2) Ibobi Singh
3) Mukul Sangma
4) Pawan Kumar Chamling
5) Lal Thanhawla

41. First flying observatory fitted with an infrared telescope called 'Stratospheric Observatory for Infrared Astronomy' (SOFIA) is an idea of......
1) NASA
2) CNES
3) DLR
4) ISRO
5) PENTA

42. UNICEF stands for......
1) United Nations International Children's Emergency Fund
2) United Nations Intentional Children's Emergency Fund
3) United Nations International Children's Employers Fund
4) United Nations Integrated Children's Emergency Fund
5) None

ANSWERS:
1-1, 2-4, 3-1, 4-3, 5-4, 6-2, 7-3, 8-5, 9-4, 10-5
11-4, 12-5, 13-1, 14-4, 15-5, 16-3, 17-5, 18-4, 19-4, 20-4
21-4, 22-4, 23-3, 24-3, 25-2, 26-1, 27-5, 28-5, 29-3, 30-1
31-1, 32-1, 33-1, 34-4, 35-3, 36-4, 37-3, 38-1, 39-1, 40-4, 41-1, 42-1.

Sunday, July 20, 2014

BANKING AWARENESS PRACTICE QUESTIONS

1. Who among the following Deputy Governors of RBI retired in January 2014?
a) K.C.Chakrabarthy
b) Urjit Patel
c) Anand Sinha
d) HR Khan
e) None of the above

2. A company wants to payout dividend. Which type of electronic method shall it use?
a) ECS (credit)
b) ECS(debit)
c) Either a or b
d) Issue of DD
e) Issue of Banker Cheque/pay order

3. On what basis interest is charged in loan accounts?
a) Quarterly
b) Half yearly
c) Monthly
d) Weekly
e) Daily basis

4. Crossing of Bill of Exchange?
a) Is allowed under Negotiable Instrument Act 1881
b) Banking Regulation Act 1949
c) RBI Act 1934
d) A bill cannot be crossed
e) None of the above

5. GAAS stands for?
a) Generally Accepted Accounting Standards
b) Generally Agreed Accounting Standards
c) Generally Advised Accounting Standards
d) Generally Allowed Accounting Standards
e) None of the above

6. Who is being assigned the duty of regulating the Micro Finance Institutions?
a) IDBI
b) SIDBI
c) SISI
d) NABARD
e) NSIC

7. Can a bank can sell its NPAs?
a) No, since nobody will purchase the NPA
b) Yes, provided it has remained as NPA in the books of the selling bank for 2 years
c) Yes, if the banks profits are more than Rs. 1000crores
d) Only a and c
e) None of the above

8. Which of the following private banks are permitted by RBI to import gold?
a) By HDFC Bank
b) Axis Bank and Kotak Mahindra Bank
c) Indus Ind Bank and
d) YES Bank
e) All the above

9. Which bank has become the first to allow withdrawal of funds to individuals from
its ATMs without an account in the bank?
a) Andhra Bank
b) Central Bank
c) Bank of India
d) Dena Bank
e) None of the above

10. Which of the following banks is selling, for the first time, a large amount of NPAs (around Rs. 5000cr) to ARCs (Asset Reconstruction Company) during this March 2014 Quarter?
a) State Bank of Hyderabad
b) State Bank of India
c) Punjab National Bank
d) ICICI Bank
e) None of the above

11. Non Banking Finance Companies like Muthoot Finance will issue NCDs to mobilize financial resources like the banks do by accepting deposits from the public. NCD Stands for?
a) National Certificate of Deposit
b) Non Cash Deposit
c) Non Convertible Debentures
d) Non Convertible Certificate of Deposits
e) None of the above

12. National Bank for Agriculture and Rural Development (NABARD) established on 12.07.1982 under a special act of parliament has its Head Office at?
a) Ahmadabad
b) Bangalore
c) Chennai
d) Delhi
e) Mumbai

13. Name the organization which is taking care of Coordinating the activities of institutions
engaged in financing, promoting and developing industry in India?
a) SIDBI
b) IDBI
c) ICICI
d) EXIM BANK
e) None of the above

14. AMC is a term used in connection with Mutual Funds, which is meant for Management of different Funds. In this connection AMC stands for?
a) Annual Maintenance Contract
b) Asset Management Commission
c) Adjusted Mutual Commission
d) Asset Management Company
e) None of the above

15. Which of the following is an ancillary/secondary function of a Bank?
a) Accepting SB Deposits
b) Accepting Fixed Deposits
c) Sanction of loans
d) Collection of cheques
e) None of the above

16. Functions of banks are divided into Primary and Secondary. Which of the following
is a Primary Function of a Bank?
a) Issue of Demand Draft
b) Provision of locker facility
c) Provision of Safe Custody facilities
d) Sanction of Loans
e) None of the above

17. Which of the following banks is not having their Headquarters in Kolkata?
a) Allahabad Bank
b) Dena Bank
c) UCO Bank
d) United Bank of India
e) All the above

18. Who among the following important personalities have worked as Governor of RBI?
a) Dr BR Ambedkar
b) M.Narasimhan
c) Urjit patel
d) Dr .Manmohan Singh
e) b & d

19. For how much period the Marginal Standing Facility (MSF) is provided by RBI against approved Government Securities ?
a) One Quarter only
b) Two quarters only
c) One Month only
d) Overnight only
e) None of the above

20. Headquarters of Oriental Bank of Commerce is located at?
a) Allahabad
b) Bangalore
c) Kolkata
d) New Delhi
e) Hyderabad

21. RBI Coin mints are located at?
a) Mumbai
b) Hyderabad
c) Kolkata
d) Noida
e) All the above

22. Which of the following is a private bank in India?
a) Oriental Bank of Commerce
b) Corporation Bank
c) South Indian Bank
d) Syndicate Bank
e) Bank of Maharashtra

23. Interest rate risk is a type of?
a) Credit risk
b) Market Risk
c) Operational risk
d) All the above
e) None of these

24. Which one of the following has launched guidebook on standards for exporters?
a) RBI
b) SEBI
c) IBA
d) UNIDO
e) UNESCO

25. The Bank of Calcutta, Bank of Bombay and Bank of Madras were merged in 1921 to form?
a) Reserve Bank of India
b) Imperial Bank of India
c) Bank of India
d) Union Bank of India
e) None of these

26. Which sister organization of the World Bank helps private activity in developing countries by financing projects with long-term capital in the form of equity and loans?
a) Asian Development Bank
b) IMF
c) International Developmental Association
d) International Finance Corporation
e) None of these

27. What does devaluation of a currency mean?
a) Decrease in the internal value of money
b) Decrease in the external value of money
c) Decrease both in the external and internal values of money
d) Increase both in the external and internal values of money
e) None of these

28. An IPO is?
a) Initial Price Offered by private limited company to its share holders.
b) An offer by an unlisted company for sale of its shares for the first time to the public.
c) Used to increase the share capital of an unlisted company
d) A book building process
e) None of these

29. SEBI has imposed a restriction on money flow in equity through P-notes. What is the full form of P-notes?
a) Permanent notes
b) Purchase notes
c) Participatory notes
d) Private notes
e) None of these

30. Which is of the following programme is launched to improve the irrigation facilities in Rural India?
a) National Watershed Development Programme
b) National Social Assistance Programme
c) Construction of Rural Godowns
d) Annapurna Scheme
e) None of the above

31. Investment Fluctuation Reserve (IFR) is created to manage?
a) Interest Rate Risk
b) CRR
c) SLR
d) Foreign Currency Account
e) None of the above

32. There are several credit rating agencies like CRISIL, CARE, SMERA, FITCH Rating. Similary ICRA is also a rating agency. ICRA Stands for?
a) Investment Information and Credit rating Agency
b) Indian Credit Rating Agency
c) International Credit Rating Agency
d) Information and Credit Rating Agency
e) None of these

33. In case of dishonor of a cheque due to insufficient of funds in the account of theperson drawing the cheque, a court can punish the guilty with an imprisonment term of two years and a fine of?
a) Twice the amount of cheque
b) Thrice the amount of cheque
c) Four times the amount of cheque
d) Five times the amount of cheque
e) None of the above

34. When the Bank returns a cheque unpaid, it is called?
a) Payment of Cheque
b) Dishonor of Cheque
c) Cancelling of Cheque
d) Drawing of Cheque
e) None of these

35. Which among the following is approved modes for maintenance of the cash reserve ratio?
a) In the form of balance in currency chest of the currency chest bank branches
b) In the form of cash balances maintained by various branches of the banks
c) In the form of balances with other banks maintained by bank branches
d) In the form of balances in a special account with RBI opened for this purpose
e) None of these

36. No margin is required to bring in by the borrower for the educational loans to special courses up to?
a) Rs 2.00 lacs
b) Rs 3.00 lacs
c) Rs 5.00 lacs
d) Rs 4.00 lacs
e) None of the above

37. When bank receives a Cheque from customer for clearing/ collection, bank affix bank's crossing stamp. This is done to ensure
a) Prevention of fraud
b) Requirement of NI Act
c) Cheque will become payable to our bank only
d) None of the above
e) All the above

ANSWERS:
1) c 2) a 3) e 4) d 5) a 6) d 7) b 8) e 9) c 10) a
11) c 12) e 13) b 14) d 15) d 16) d 17) b 18) d 19) d 20) d
21) e 22) c 23) b 24) d 25) b 26) d 27) b 28) b 29) c 30) a
31) a 32) a 33) a 34) b 35) d 36) d 37) c

Saturday, July 19, 2014

GENERAL AWARENESS PRACTICE QUESTIONS FOR IBPS EXAMS

1. Which of the following is a Horticulture Crop?
1) Paddy
2) Wheat
3) Mango
4) Bajara
5) None of these

2. Dr. Amartya Sen is a famous ...
1) Physicist
2) Chemical Engineer
3) Psychologist
4) Economist
5) None of these

3. Which of the following nations is considered
the originator of the concept of Micro Finance?
1) India
2) Bangladesh
3) South Africa
4) USA
5) None of these

4. India's first transgenic crop is ......
1) Potato
2) Brinjal
3) Sugarcane
4) Bt. cotton
5) None of these

5. Recently, retail giant Carrefour has announced it's intention to close its stores in India. Carrefour is a multinational retailer based in which country?
1) France
2) USA
3) Germany
4) England
5) None of these

6. Which of the following schemes launched by the Government of India is a scheme to improve the performance of the agricultural sector?
1) National Horticulture Mission
2) Pulse Polio Abhiyan
3) Old Age Pension Scheme
4) Bharat Nirman Yojana
5) None of these

7. 'LBW' is a term related to the game of ....
1) Badminton
2) Cricket
3) Hockey
4) Football
5) None of these

8. "Saraswati Samman" is an award given for excellence in the field of ....
1) Sports
2) Social Service
3) Literature
4) Science and Technology
5) None of these

9. "Heavy Water" is used in which of the following fields?
1) Thermal power
2) Cement
3) Iron and Steel
4) Nuclear power
5) None of these

10. Which of the following companies is NOT in the field of insurance business?
1) ICICI Prudential
2) Bajaj Allianz
3) Tata AIG
4) AEGON Religare
5) Royal Orchid

11. Many times we read that a corporate entity is in the process of raising its capital base. Why is a company required to raise money to strengthen its capital base?
(A) To finance its expansion plans
(B) To finance its diversification plans
(C) To finance its loans and borrowings
1) Only A
2) Only B
3) Only C
4) Only A and B
5) All A, B and C

12. Many times we read in newspapers a company is planning to bring public issue. What does it mean?
(A) Shares of the company will be issued only through public sector organization
(B) Shares of the company will be issued to general public only through primary market
(C) This means some stakeholders/ promoters are willing to leave the company.
Hence they wish to sell their stock to the general public.
1) Only A
2) Only B
3) Only C
4) All A, B and C
5) None of these

13. As we all have noticed banks these days are giving more emphasis on "Branch less Banking". What does this really means?
(A) Banks will not have many branches as used to be in the good old days. Instead the number of branches will be restricted and will conduct only a specified core business.
(B) Banks will launch/ operate many delivery channels like ATMs, Mobile Banking/ Internet Banking etc. So that people are not required to visit a branch for their usual banking needs.
(C) This means banks will issue only debit or credit for all types of financial transactions. Cheques/ cash payments will not be allowed.
1) Only A
2) Only B
3) Only A and B
4) Only B and C
5) All A, B and C

14. Which of the following is NOT a function of a bank?
1) Providing project finance
2) Selling Mutual Funds
3) Deciding policy rates like CRR, Repo Rate/ SLR etc.
4) Settlement of payments on behalf of the customers.
5) All of these are functions of bank.

15. Which of the following is a form of "Small Savings Bank" popular among the poor or children?
1) Core Banking
2) Credit Banking
3) Debit Card
4) Merchant Banking
5) Piggy Banking

16. As we all know the Government of India has initiated several projects/ schemes for revival and recharging of water bodies/ lakes etc. What is meant by recharging of water bodies?
(A) Recharge in fact is deep drainage of water bodies so that water starts moving downwards
from the surface.
(B) Recharge is nothing but digging new wells and lakes so that more water is available for use.
(C) Recharge means levy of a tax on use of ground water for private purposes. This is done in addition to the usual tax that civic bodies collect on the usual water supply.
1) Only A
2) Only B
3) Only C
4) All A, B and C
5) None f these

17. The "Operation Protective Edge" is an ongoing military conflict between .....
1) Israel and Hamas
2) Ukraine and Russia
3) China and Vietnam
4) Philippines and China
5) None of these

18. Iron ore is found in which of the following states in India?
1) Punjab
2) Rajasthan
3) Odisha
4) Jammu and Kashmir
5) Uttar Pradesh

19. Who amongst the following is NOT a famous Lawn Tennis player?
1) Cara Black
2) Mike Bryan
3) Denis Ndiso
4) Serena Williams
5) Leander Paes

20. Granville Austin, who passed away recently, was a renowned scholar of the .....
1) Indian Constitution
2) Indian History
3) Indian Geography
4) Indian Literature
5) None of these

21. Shanti Swarup Bhatnagar Award is given for excellence in the field of ....
1) Literature
2) Music
3) Sports
4) Science and Technology
5) None of these

22. Government normally announce the Minimum Support Price (MSP) of ....
1) Wheat
2) Paddy
3) Sugarcane
4) Jute
5) All of the above

23. At present Dr. D. Subba Rao is the .....
1) Governor of RBI
2) Deputy Chairman of the Planning Commission
3) Chairman of the FICCI
4) India's Representative in IMF
5) None of these

24. What is the full form of 'ULIP' the term which in the news recently?
1) Universal Life and Investment Plan
2) Unit Loan and Insurance Plan
3) Universal Loan and Investment Plan
4) Uniformly Loaded Investment Plan
5) Unit Linked Insurance Plan

25. Very often we read in Generation Technology. This is a set of standards used by which of the following?
1) To combat climatic changes
2) Production of Nuclear Energy
3) Film Production
4) Mobile Telecommunication
5) All of the above

26. Which of the following cups / trophies is NOT given for excellence in the game of Badminton?
1) Uber Cup
2) Thomas Cup
3) Syed Modi Memorial Trophy
4) Aros Junior Cup
5) Merdeka Cup

27. With which one of the following, the Election Commission of India tie up for online voters registration?
1) Facebook
2) Yahoo
3) Google
4) Twitter
5) None of these

28. Who among the following is the new Air Force Chief of India?
1) Arup Raha
2) Vivek Tyagi
3) Arun Singh
4) Kishore Chandra
5) None of these

29. The National Commission for Protection of Child Rights has received the highest number of complaints related to child abuse in school from the state of
1) Karnataka
2) Tamilnadu
3) Assam
4) Delhi
5) Andhra Pradesh

30. World's top three biggest coffee exporting countries are .....
1) Brazil, Indonesia and Vietnam
2) Vietnam, Brazil and Indonesia
3) Brazil, Vietnam and Indonesia
4) Indonesia, Vietnam and Brazil
5) None of these

31. Which among the following states has launched free CFL bulbs scheme for hut dwellers?
1) Tamilnadu
2) West Bengal
3) Manipur
4) Haryana
5) None of these

32. What is the name of cyclone which is recently battered west coast of Australia?
1) Hemp
2) Christine
3) Lava
4) Pristine
5) None of these

33. Which of the following countries has recently assumed the coveted chair of the ASEAN?
1) Myanmar
2) Indonesia
3) Cambodia
4) Philippines
5) None of these

34. In the latest Railway budget, the government has announced the first bullet train in which corridor?
1) Delhi-Agra
2) Mumbai-Ahmadabad
3) Delhi-Kanpur
4) Delhi-Kolkata
5) None of these

35. Who among the following has won Men's Chennai Open Tennis Trophy 2014?
1) Somdev Burman
2) Roger Vasselin
3) Stanislas Wawrinka
4) David Federer
5) None of these

36. The Loser festival is the most important festival celebrated in .....
1) Ladakh
2) Leh
3) Shimla
4) Srinagar
5) None of these

37. Recently, which among the following has announced to launch of an All Woman's Insurance branch?
1) Bajaj Allianz
2) Tata AIG General
3) ICICI Lombard
4) Reliance General
5) None of these

38. In which one of the following states Tata Consultancy Services (TCS) has decided to setup world's largest corporate learning and development centre?
1) Kerala
2) Punjab
3) Maharashtra
4) Karnataka
5) None of these

39. Who among the following has been chosen for Portugal highest honour "Order of Prince Henry"?
1) Costa Ricardo
2) Lopes Anthony
3) Alves Bruno
4) Cristiano Ronaldo
5) None of these

40. Who among the following led the team who have identified liver cancer genes?
1) Steven Robertson
2) Teh Bin Tean
3) Zoe Hellman
4) Matilda Ceesay
5) None of these

ANSWERS:
1-3, 2-4, 3-2, 4-4, 5-1, 6-1, 7-2, 8-3, 9-4, 10-5
11-5, 12-2, 13-3, 14-2, 15-5, 16-1, 17-1, 18-3, 19-3, 20-1
21-4, 22-5, 23-5, 24-5, 25-4, 26-5, 27-3, 28-1, 29-2, 30-3
31-1, 32-2, 33-1, 34-2, 35-3, 36-1, 37-1, 38-1, 39-4, 40-2

Tuesday, July 15, 2014

GENERAL AWARENESS PRACTICE MCQs FOR BANK EXAMINATIONS 2014

1. Who headed the committee which submitted its report on February 7, 2014 regarding Financial Bench Marks (appointed by RBI )?
a) Prakash Bakshi
b) Damodaran
c) Vijaya Bhaskar
d) D.Subba Rao
e) None of the above

2. Which among the following is correct and full form of CAS in context with banking markets in India?
a) Cash Authorized Scheme
b) Credit Authorized Scheme
c) Credit Access System
d) Credit Arrangement System
e) Cash Accreditation Scheme

3. Money laundering refers to which of the following?
a) Conversion of assets into cash
b) Conversion of Black money gained from illegal activities to white money
c) Conversion of cash into gold
d) Conversion of gold into cash
e) Conversion of shares into cash

4. Account for conversion of physical securities into electronic form is know as?
a) NRI Account
b) Foreign Account
c) Trio Account
d) Current Account
e) DEMAT(Dematerialisation)Account

5. What is "Hot Money"?
a) Flow of funds (or capital) from one country to another in order to earn a short-term profit on interest rate differences and/or anticipated exchange rate shifts.
b) Hard Currency
c) Soft Currency
d) Foreign Assets
e)All of these

6. RBI has decided to prescribe a minimum CRAR for StCBS /CCBs of 9% to be achieved in a phased manner over a period of 3 years as indicated below
a) 3 years
b) 4 years
c) 5 yeasrs
d) 2 years
e) No such restriction

7. PFRDA stands for?
a) Provident Fund Regulatory and Development Authority
b) Preferential Fund Regulatory and Development Authority
c) Permanent Fund Regulatory and Development Authority
d) Pension Fund Regulatory and Development Authority
e) None of these

8. The main function IMF is to?
a) Finance investment loans to development countries
b) Act as a private sector lending arm of the World Bank
c) Help to solve Balance of payment problems of members countries
d) Arrange International deposits from Banks
e) None of these

9. Which of the following public sector banks has the largest number of Branches in foreign countries?
a) Bank of India
b) Bank of Baroda
c) Punjab National Bank
d) Corporation Bank
e) None of the above

10. Which of the following assets are considered as Near Money?
a) Bond
b) Equity shares
c) Time deposits
d) Traveller's cheque
e) All of the above

11. What is an Indian Depository Receipt?
a) A deposit account with a Public Sector Bank
b) A depository account with any of Depositories in India
c) An instrument in the form of depository receipt created by an Indian depository against
underlying equity shares of the issuing company
d) An instrument in the form of deposit receipt issued by Indian depositories
e) None of these

12. Which of the following cannot be called as a value added service offered by a Bank ?
a) Special Account for poor sections of society
b) Accident Insurance cover
c) Instant Credit of Outstation cheques
d) Free cheque books
e) All of these

13. Which of the following is NOT the feature of Real Time Gross Settlement (RTGS) ?
a) Payments are settled transaction by transaction
b) Settlement of funds is revocable
c) Settlement is done in real time
d) It is a fully secured system which uses digital signatures and public Key encryption for
safe and secure message transaction
e) None of these

14. Standard & Poor is a?
a) Bank
b) Non-Banking Finance Company
c) Stock Market Agency
d) Credit Rating Agency
e) RBI advisory body

15. In Banking System, which of the following Act was framed specially to speed up
recoveries Non - Performing Assets?
a) SARFAESI Act
b) Banking Regulation Act
c) Foreign Exchange Management Act
d) Industrial Disputes Act
e) None of these

16. In context with the Business and Banking, what is CRAR ?
a) Capital to Risk Asset Ratio
b) Credit to Risk Asset Ratio
c) Credit to Risk Assessment Ratio
d) Capital to Risk Assessment Rate
e) Credit Rate Assessment Ratio

17. What is Mixed farming:
a) Cultivating 2 crops simultaneously
b) Cultivating in 2 types of soils
c) Cultivating crops and allied activities
d) Cultivating 2 crops in a year
e) None of these

18. The Asian Development Bank Headquarters is located at?
a) Tokyo
b) Manila
c) New Delhi
d) Colombo
e) New York

19. Buyers market denotes?
a) Excess of supply over demand
b) Equal supply and demand
c) Commodities being available at competitive rates
d) Demand exceeding supply
e) None of these

20. RBI introduced Banking Ombudsman scheme in which year?
a) 1935
b) 1965
c) 1995
d) 2001
e) 2005

21. Who is not eligible for Internet banking?
a) Joint account operation severally
b) Minor account operated by Guardian
c) Illiterate
d) Female depositors
e) None of these

22. Which of the following is NOT viewed as national debt ?
a) Life Insurance policies
b) Long term Govt Bonds
c) National savings certificates
d) Provident Fund
e) None of these

23. Industrial exit policy means?
a) Forcing foreign companies to leave India
b) Forcing Business units to move out of congested localities
c) Allowing manufactures to shift their line of product
d) Allowing business units to close down
e)None of these

24. National Stock Exchange is located in ?
a) New Delhi
b) Chennai
c) Mumbai
d) Kolkata
e) None of these

25. Who is the New Chair Person for Central Board of Direct Taxes, Appointed on 9th Feb
2014?
a) Sudha Sharma
b) R.K Tiwari
c) Thomas David
d) Lopez Mark
e) Nandan Nilekani

26. Name the expert committee formed by RBI on 20th Jan 2014, to review the governance of Bank Boards in India inclu- ding examining the ownership and salary structure of Banks?
a) Arun Tiwari (CMD of Union Bank)
b) K R Kamath (CMD of PNB)
c) VR Iyar (CMD of Bank of India)
d) PJ NAIK (former Chairman and CEO of Axis bank)
e) MV Nayar

27. Jatinder Bir singh, an IAS officer has been appointed as the CMD of?
a) Steel Authority of India Ltd
b) Bharat Heavy Electricals Ltd
c) Union bank of India
d) Punjab and Sindh Bank
e) None of the above

28. In respect of Interest Subsidy on Educational Loans, the parent income ceiling from all sources should not be more than Rs.______ lacs per annum.
a) Rs.2.50 lakhs
b) Rs.4.50 lakhs
c) Rs.5.50 lakhs
d) Rs.7.50 lakhs
e) None of the above

29. "Sugam" is scheme launched for -
a) Small tax payers
b) Pensioners getting old age pension
c) Big corporate houses
d) Retired Government Employees
e) None of these

30. INFINET stands for?
a) International Financial Network
b) Indoor Financial Network
c) Indian Financial Network
d) Internet Financial Network
e) None of these

31. What is the full form of the term OBU?
a) Other backward units
b) Overseas banking units
c) Off-shore Banking units
d) Off-shore business units
e) None of these

32. CASA Deposits relates to
a) Only Savings Deposits
b) Recurring Deposits
c) Only Flexi deposits
d) Demand Deposits(SB and Current Account)
e) Fixed Deposits

ANSWERS:
1) c 2) b 3) b 4) e 5) a 6) a 7) d 8) c
9) b 10) e 11) c 12) d 13) b 14) d 15) a 16) a
17) c 18) b 19) a 20 ) c 21) c 22) a 23) d 24) c
25) b 26) d 27) d 28) b 29) a 30) c 31) c 32) d

GENERAL AWARENESS PRACTICE QUESTIONS FOR ALL BANK EXAMS

1. In the Banking technology, IMPS stands for..
1) Instant Payment Service
2) Immediate Paid Service
3) Immediate Payment Scroll
4) Immediate Payment Service
5) None

2. IMPS, a mobile payment system launched in......
1) 2009
2) 2011
3) 2013
4) 2010
5) None

3. IMPS developed by National Payments Corporation of India (NPCI). NPCI was incorporated in?
1) 2010
2) 2011
3) 2009
4) 2008
5) 2013

4. Which is the latest bank rolled out its merchant payment service on mobile phones using the IMPS?
1) State Bank of India
2) UCO Bank
3) United Bank of India
4) Union Bank of India
5) None

5. RBI constituted the Board for Payment and Settlement Systems in ...
1) 2008
2) 2007
3) 2005
4) 2011
5) 2012

6. National Payments Corporation of India (NPCI) headed by ....
1) Raghuram Rajan
2) Arundhati Bhattacharya
3) K. R. Kamath
4) M. Balachandran
5) None

7. Institute of Development and Research in Banking Technology (IDRBT), Hyderabad had been providing
ATM switching service to banks in India through NFS. NFS stands for.....
1) National Front Switch
2) National First Switch
3) National Financial Scroll
4) National Financial Switch
5) None

8. National Payments Corporation of India took over NFS operations in ...
1) 2000
2) 2001
3) 2005
4) 2009
5) None

9. The debit card holder can perform which of the following functions?
1) Make Point of Sale (POS) purchase
2) Recharge pre-paid mobile phones
3) Pay life insurance premium
4) Make donation
5) All of the above

10. RBI announces REER. Expand the term REER.
1) Real External Exchange Rate
2) Real Established Exchange Rate
3) Real Effective Exchange Rate
4) Real Effective Exchange Ratio
5) None

11. Switzerland's central banking authority SNB on 19th June 2014 said that Indian money in Swiss banks has risen to over to Rs.14,000 crores. SNB stands for ...
1) Swift National Bank
2) Sure National Bank
3) Scope National Bank
4) Swiss National Bank
5) None

12. India moved to which rank in terms of foreign money lying with Swiss banks as per the latest data. UK ranks top position..
1) 2nd
2) 10th
3) 18th
4) 58th
5) 100th

13. How much percent of an estimated $1.6 trillion total global wealth held in Switzerland's banking system as per the data released on 19th June 2014?
1) 1.05
2) 6.52
3) 0.15
4) 1.95
5) 2.91

14. Who released the Global Economic Prospects (GEP) report on 11 June 2014?
1) IMF
2) IDA
3) World Bank
4) HSBC
5) S & P

15. In GEP 2014, World Bank lowered the economic growth of world 2014 to .... percent from the earlier estimate of 5.3 percent?
1) 4.0
2) 3.5
3) 5.1
4) 4.8
5) 3.9

16. Finance minister is considering a proposal to provide a fixed tenure of five years to heads of Public Sector Banks (PSBs) as per the recommendation based on ...
1) P.J. Nayak Committee
2) C. Rangarajan Committee
3) Damodaran Committee
4) Nachiket Mor Committee
5) None

17. On 18 June 2014, Indian Army test-fired Akash missile from an Integrated Test Range (ITR) in
Balasore, Odisha. Akash is ...
1) air-to-air missile
2) water-to-water missile
3) surface-to-water missile
4) water-to-air missile
5) surface-to-air missile

18. M Shashidhar Reddy resigned as the Vicechairman of .....
1) National Commission of SC
2) National Commission of ST
3) National Disaster Management Authority (NDMA)
4) National Commission of Women (NCW)
5) None

19. Who is the Chairman of National Disaster Management Authority (NDMA)?
1) Union minister for disaster management
2) Union minister for home affairs
3) Prime Minister
4) Finance secretary
5) None

20. Zeid Ra'ad Zeid Al-Hussein was appointed as the UN High Commissioner for human rights on 6 June 2014. He is the prince of ...
1) Jordan
2) Saudi Arabia
3) Afghanistan
4) UAE
5) None

21. First Tang Prize in sustainable development conferred on ..... who is a former Norway Prime Minister?
1) Harlem Brundtland
2) Yingluck Shinawatra
3) Dilma Vana Rousseff
4) Julia Gillard
5) None

22. Pen Pinter Prize 2014 conferred on whom for his marvellous literary output and support
for freedom of expression on 19 June 2014?
1) Salman Rushdie
2) Amritha Pritham
3) Chetan Bhagath
4) Robin Sharma
5) None

23. Which Indian born scientist has been named the winner of the $ 2,50,000 World Food Prize for his contribution in increasing global wheat production on 19 June 2014?
1) M.S. Swaminathan
2) Prathuysha Swamy
3) Sanjaya Rajaram
4) Ashok Gulati
5) None

24. Arpinder Singh of Punjab qualified for Glasgow Commonwealth games. He belongs to ....
1) Athletics
2) Hockey
3) Snooker
4) Karate
5) Wrestling

25. Father of Malaysian hockey died in Ipoh, Malaysia on 28 May 2014. He is ....
1) Azlan Sha
2) Mommhed Mose
3) Rampralob Verma
4) Kanien Gore
5) None

26. On 27 February 2014, the union government launched 'Saksham' for empowerment of ...
1) prisoners
2) senior citizens
3) women
4) students
5) adolescent boys

27. Mamta Abhiyan is the maternal and child health campaign of ....
1) Uttar Pradesh
2) Kerala
3) Madhya Pradesh
4) Goa
5) Jharkand

28. 'The price we pay' is the advertisement released on.....
1) Liquor usage
2) Mobile usage
3) Oil prices
4) Cancer costliness
5) Anti-Tobacco campaign

29. Which nation announced the plans of creating the world's biggest Marine Protected Area (MPA)?
1) UK
2) Japan
3) USA
4) Russia
5) Australia

30. In the Global Peace Index, India got which rank?
1) 101
2) 100
3) 145
4) 143
5) 182

31. First rank in the Global Peace Index holds by ....
1) Iceland
2) USA
3) Japan
4) UK
5) New Zealand

32. Sixth Asian Ministerial Conference for Disaster Risk Reduction held at ....
1) New York
2) Washington
3) Paris
4) Bangkok
5) None

33. African Union's Peace and Security Council (AUPSC) on 18 June 2014 unanimously restored the membership of which nation?
1) Egypt
2) Nigeria
3) Somalia
4) South Africa
5) None

34. 'Delivering on and Implementing a Transformative Post-2015 Development Agenda' is the theme of .....
1) 70th Session of United Nations General Assembly (UNGA)
2) 71st Session of United Nations General Assembly (UNGA)
3) 68th Session of United Nations General Assembly (UNGA)
4) 69th Session of United Nations General Assembly (UNGA)
5) None

35. Central Excise Day is on ....
1) July 24
2) June 24
3) February 24
4) December 24
5) August 8

36. National Technology Day is on ........
1) January 11
2) February 11
3) July 11
4) May 11
5) August 8

37. How many million children die approximately under the age of five die annually of malnutrition as per the report of FAO (Food and Agricultural Organisation)?
1) 10
2) 8
3) 3
4) 9
5) 6

38. FAO headquarters is at ...
1) Rome
2) Washington
3) Paris
4) Tokyo
5) None

39. FAO was established in ....
1) 1945
2) 1948
3) 1999
4) 2000
5) 1901

40. FAO headed by .......
1) Jose Graziano da Silva
2) Mark Anthony
3) Jim Yong Kim
4) Anthony Lake
5) None

41. Baiji refinery was captured on 17 June 2014 by militants. It is in .....
1) Iran
2) Iraq
3) Afghanistan
4) Congo
5) None

42. Iraq capital is....
1) Tehran
2) Abu Dhabi
3) Dubai
4) Baghdad
5) Cairo

43. Iraq currency is ....
1) Dirham
2) Pound
3) Dollar
4) Dinar
5) Rufiyaa

44. Bandhavgarh National Park is in.....
1) Uttar Pradesh
2) Madhya Pradesh
3) AP
4) Telangana
5) Karnataka

45. Wagon R is the car brand name of.....
1) Mahindra
2) Chevrolet
3) Maruti
4) Audi
5) None

46. The Australian Grand Prix won by....
1) Fernando Alonso
2) Jenson Button
3) Kevin Magnussen
4) Daniel Ricciardo
5) Nico Rosberg

47. In order to control the diseases, Indian government floated many schemes and started vaccination programs. Pick the wrong combination.
1) ABC/ AR program - To control Rabies
2) NMEP - To control Malaria
3) MMR - Vaccine against Measles,Mumps and Rubella
4) OPV - To fight against Leprosy
5) DPT - To fight against Diphtheria, Pertussis and Tetanus

48. Which of the following programme not initiated to eliminate Urban Poverty?
1) National Social Assistance Programme (NSAP)
2) Urban Basic Services for the Poor (UBSP)
3) Antyodaya Anna Yozana (AAY)
4) Swarna Jayanti Shahari Rozgar Yozana (SJSRY)
5) Prime Minister's Integrated Urban Poverty Eradication Programme (PMIUPEP)

ANSWERS:
1-4, 2-4, 3-4, 4-3, 5-3, 6-4, 7-4, 8-4, 9-5, 10-3
11-4, 12-4, 13-3, 14-3, 15-4, 16-1, 17-5, 18-3, 19-3, 20-1
21-1, 22-1, 23-3, 24-1, 25-1, 26-5, 27-3, 28-5, 29-3, 30-4
31-1, 32-4, 33-1, 34-4, 35-3, 36-4, 37-3, 38-1, 39-1, 40-1
41-2, 42-4, 43-4, 44-2, 45-3, 46-5, 47-4, 48-3