Professional Documents
Culture Documents
E Learning Answers
E Learning Answers
Is it mandatory under the BCSBI guidelines for banks to maintain transparency in their dealings with
customers ?
A. Yes
“Customers need to be treated with utmost care so that they are not forced to resort to complaints”
Whether it is a part of BCSBI ?
A. YES
Whether the statement that the bank will not reveal information or data relating to customer accounts,
whether provided by him or otherwise, to anyone, including other companies / entities in our group is
correct?
A. Yes
Under normal circumstances, the bank will not close customer’s account without giving him at least 30
days' notice indicating the reasons for such closure. Whether this statement is correct ?
A. Yes
To inform the customer when he opens account, the circumstances under which his account will be
classified as inoperative / dormant. And also inform at least three months before his account is classified
as inoperative / dormant and the consequences thereof at the last recorded address and / or e-mail.
Whether it’s the bank duty to inform the customer under BCSBI ?
A. Yes
The bank has to display the Banking Ombudsman Scheme on its website. A copy will be made available
on request at a nominal charge and the same will be displayed at the branch the name and contact
details of the Banking Ombudsman under whose jurisdiction the branch falls. Under BCSBI whether the
said statement is correct ?
A. Yes
Which is not an important right of the customer covered under the BCSBI Code?
A. Right to fair treatment
B. Right to transparency, fair and honest dealing
C. Right to suitability of services
D. Right to privacy
E. Right to protect personal grievances
Whether the Code replaces or supersede regulatory or supervisory instructions of the Reserve Bank of
India (RBI) ?
B. The Code does not replace or supersede regulatory or supervisory instructions of the Reserve Bank
of India (RBI)
SKA
Which is the central objective of the Codes?
A. Promote good banking practices
B. Foster confidence in the banking system
C. Increase awareness of customers and to enhance customer protection
D. Set up minimum standards
E. All of the above.
If the customer wants to make a complaint, as a banker what we will tell him to support ?
A. How to do so.
B. Where a complaint can be made.
C. To whom a complaint can be made.
D. When to expect a reply.
E. All of the above
While the bank is planning to close down its branch they will arrange for intimation to the customers by :
D. One month notice
The bank will settle the claims in respect of deceased depositors and release payments to survivor(s) /
nominee within a period not exceeding ………… days from the date of receipt of the claim subject to the
production of proof of death of the depositor and suitable identification of the claimant(s), to the bank's
satisfaction.?
C. 15 days
SKA
BHARAT QR (B2001)
What is the url for BHARAT QR work flow for the operating staff?
A. https://mab-workflow.sbi.co.in
How many types of QR Codes are there in BHARAT QR and what are they?
C. 2, Static & Dynamic
How many sections will be there in Mab work flow for on boarding the Merchant for BAHARAT QR?
D. 5
Which one of the following statement is True in regard to on-boarding of a merchant forBharat QR SBI ?
A. Merchant can do self-registration on Bharat QR app
B. Merchant can approach MAB cell at LHO
C. Merchant can link his account to QR scanning facility through CINB
D. Process is same as in case of applying for POS terminal
Mr. Sam who owns a Kirana store and uses Bharat QR for receiving payments, wants the QR code to
have amount too so that customer need not enter the amount in their app. What is the name for such
QR code.
C. Dynamic QR code
Mr. Ramayya wants to accept payments at his vegetable shop through QR code. Which one of the
following is not a requirement for accepting Bharat QR payments?
A. Smart Mobile phone
B. Smart Mobile dongle
C. Account with SBI
SKA
D. Bharat QR SBI Merchant application installed on phone
How the funds will be settled to the Merchant while accepting payments through BHARAT QR App?
C. T+1 Basis
Which one of the following is not a feature of SBI BHARAT QR Merchant App?
A. No cash receipt - No risk of forged notes
B. Cardless - Scan & Pay
C. Charge slips to be stored for 1 month
D. Payment directly credited to the account
Which one of the following a Merchant need to pay for availing Bharat QR payment facility?
C. MDR
Bharat QR code which is a form of a bar code does not contain which one of the following?
A. Merchant ID
B. Terminal ID
C. Merchant name
D. Merchant address
What are the roles in MAB software for on boarding the merchant for BAHARAT QR
B. Originator, recommender, approver
What is QR Code?
B. The QR Code is a form of Bar code that has Merchant’s MID, TID,QRID, Currency and Merchant’ s
name embedded in it.
In terms of the recent RBI/GOI guidelines on MDR, Bank shall claim a reimbursement of MDR from RBI
/GOI, for transactions less than or equal to _____ and MDR shall not be charged to the Merchant
C. Rs 2000/-
How much monthly rental will have to be paid by the merchant in case of Bharat QR Terminal?
D. NIL
What are the MDR rates for Card transaction in BHARAT QR up to& above Rs 2000/
A. 0.30% & 0.80%
SKA
BHIM AADHAAR SBI (B2002)
Which of the following BGL A/c has been introduced by the Bank for reconciliation of AEPS transactions.
A. AEPS Short A/c
The merchant can access Bhim Aadhaar SBI on which mobile operating system?
D. Android
Which of the following is required for the customer to make a payment using Bhim Aadhaar SBI.
A. Bank A/c
B. Aadhaar seeded A/c
C. Aadhaar No.
D. All the above
Which of the following is NOT required for the customer to make a payment using Bhim Aadhaar SBI.
A. Smartphone
B. Bank A/c
C. Aadhaar seeded A/c
D. Aadhaar No.
Which of the following is a prerequisite for the merchant to access Bhim Aadhaar SBI.
A. Aadhaar seeded A/c with SBI
B. Certified Biometric Reader attached to the smartphone
C. Smartphone with Android 4.2 or higher
D. All the above
Which of the following is NOT a prerequisite for the merchant to access Bhim Aadhaar SBI.
A. Aadhaar seeded A/c with SBI
B. Certified Biometric Reader attached to the smartphone
C. Point of Sale terminal
D. Smartphone with Android 4.2 or higher
In Bhim Aadhaar SBI, the per transaction limit for the customer is:
A. Rs.2000/-
In Bhim Aadhaar SBI, the per day limit for the customer is:
B. Rs.5000/-
In Bhim Aadhaar SBI, the per month limit for the customer is:
C. Rs.20,000/-
In Bhim Aadhaar SBI, the per day limit for the merchant is:
C. Rs.25,000/-
In Bhim Aadhaar SBI, the per month limit for the merchant is:
A. Rs.100,000/-
SKA
Who can be on-boarded as a merchant under BHIM Aadhaar SBI?
A. Individual
Merchants with which type of A/cs CANNOT be on-boarded under BHIM Aadhaar SBI?
A. SB A/c in individual category
B. Partnership firm CA
C. Proprietorship firm CA
D. CA in individual category
RB-DAU shall follow-up for recovery from / refund to customers’ account for ___ days from the date of
transactions.
A. 30
Both the BGL accounts are reconciliatory type and where originating entry will be put through by RB-
DAU and branches are required to put through _____ entries only.
A. Responding
Which of the following is NOT true about the fingerprint scanner required by the merchant to access
BHIM Aadhaar SBI.
A. It has to be registered with UIDAI
B. It has to be a Certified Biometric Device
C. It has to be compulsorily rented from the Bank
D. It can be purchased from the market
For availing Bhim Aadhaar SBI, the merchant has to pay the following charges:
D. Nil
As Bhim Aadhaar SBI is interoperable in nature, customers of other Bank (not having A/c with SBI) also
can be on-boarded as merchant.
B. False
Under the rental model, if a terminal is installed before 15th of the month, full rental is recovered for that
month. However, if the terminal is installed after 15th day of the month, rent is charged from the
following month onwards.
A. True
SKA
The Assistant (Cash) or SWO preparing the packets remains responsible for the …………… in the
packets
B. Quantity & Quality of currency notes of denomination up to Rs 100/-
The CIC who recounts such packets of Rs. 500 and above shall be responsible for ……………….of
notes in such packets
B. Quantity
The responsibility for quality and quantity of notes kept overnight in the Cash Box of SWO rests with
___________________ . CIC and SWO
A. SWO
The Asst. (cash)/SWO shall prepare separate note packets, every day at the end of day's transactions
A. For each denomination of currency notes
At the time of receiving from depositor, for the denominations of Rs. 500 and above……….. shall
examine the notes and satisfy himself about the quality for non- issuable notes
A. the Asst.(Cash)
B. Junior Asst.
C. Spl. Asst
D. All the above
After adjudicating mutilated notes, the Prescribed officer will record his order by subscribing his initials to
the dated with……….stamp
A. “PAY”
B. 'PAID'
C. 'REJECT’ .
D. Any one of the above
Half Value Paid Notes A .Shall be kept separately along with the cash balance of the branch.
A. Shall be deposited with the full value paid notes in the chest.
B. Will be packed & sent separately to Claims Section, Issue Department of RBI.
C. All the above
The paper seal on the packet containing hundred pieces of same denomination should contain
…………across the paper seal tied to the note packets
A. The name of the SWO
B. Along with the date
C. Signature of the SWO
D. All the above
In terms of Section 28 read with Sec 58(2) of RBI Act, 1934, no person is entitled as a right to recover
from the government or RBI, the value of any ……….. currency note D Both A & B are incorrect
A. Mutilated,
B. Imperfect
SKA
C. Both A & B
Each SWO/Assistant (Cash) will be provided with an aluminum cash box measuring…. …. as per
approved design and specifications along with both the keys of the lock of the cash box.
A. 14 inch x 11 inch x 4 inch,
The duplicates of the keys of the cash box or drawer of SWOs shall be lodged in a packet duly sealed
by the SWO / Assistant (Cash), in the custody of …………….
C. Joint custody of the two officials in joint charge of cash, valuables, etc
The Original Keys of the Cash Boxes of SWOs, at the end of the day are to be handed over
___________________ .
B. It has to be kept with SWO only
In case of EXCHANGE OF SOILED NOTES Branches will follow the procedure outlined below: . When
upto 20 pieces (Value less than Rs 5000/-)are tendered by a single person, they will be exchanged over
the counter free of any charge.
A. For Notes presented in bulk exceeding the above limits, then banks may accept such notes against
receipt, for value to be credited later.
B. For exchange above Rs 50,000/- in value, usual precautions to be taken.
C. All the above are correct
The overnight balance of cash in the Cash Box of SWO is not the part of _______________________ .
A. Currency Chest
B. Hand Balance
C. Switch Centre
D. Both A & C
Remittances of soiled notes to be sent to RBI to be sorted by Note Sorting Machines and then packed
……………1000 pieces in a bundle.
A. By Shrink Wrapping
Fractional bundles, containing less than ten packets, shall be kept …………………and withdrawn for use
next day.
A. In a separate bin or almirah shelf in the vault or currency chest
When Cash Officer or CIC takes out the Cash Boxes from the vault and hands over the boxes allotted to
the respective SWO or Cashier. An entry shall be made in the …………..
B. Cash Box Receipt or Delivery Register
Counting and/or recounting of notes for denominations from Rs. 1 to Rs.100 shall be done by
……………..who prepares the packet
A. the Asst.(Cash)
SKA
B. Junior Asst.
C. Spl. Asst
D. All the above
In case of adjudication The full value paid notes will be treated on par with ………….notes and be kept
as part of the currency chest balances.
A. Non-issuable
As per Reserve Bank of India circulars to banks on note exchange facility as a part of customer service
to public. Bank branches are supposed to ensure that
A. Soiled/Mutilated/Defective currency notes are exchanged and,
B. Coins and / or Notes are freely accepted either in exchange or for transactions.
C. No branch refuses to accept small denomination notes & coins tendered across counters.
D. All the above
Any note with …………….written across It ceases to be a legal tender and the claim on such a note will
be rejected.
A. Slogans of a political nature
B. Message of a political nature
C. All the above
D. None of the above
Rejected Notes
A. Shall be kept separately along with the cash balance of the branch.
B. Shall be deposited with the full value paid notes in the chest.
C. Will be packed & sent separately to Claims Section, Issue Department of RBI.
D. All the above
Cheques drawn on branches of other banks located at centre other than State Capitals/ Major ‘A’ Class
cities should be collected within ……..
C. 14 days
SKA
Which section of NI Act is related to the definition of Endorser?
C. Section 15
Liability of the Paying Bank for paying a cheque presented for the payment, subject to certain conditions,
is defined in Section…..
C. 31 of NI Act
Which of the following sections of NI Act provides protection to the Collecting Banker?
B. Section 131 of NI Act
The Cheque bearing a date later than the date on which it is drawn is known as …….
C. Post-dated Cheque
Which of the following cheque can be paid to the person who presents it for encashment …….
C. Bearer Cheque
Under CTS Standards 2010, standardisation of cheques has been done in terms of ……….
A. MICR Band
B. Quality of paper
C. Homogeneity in security features
D. All are correct
Under Cheque Truncation System (CTS) transmission of ………………… takes place between the
banks.
B. Electronic images of cheques
All the centres covered under the same grid are treated as ………
SKA
B. A single Clearing Zone
As per RBI guidelines, after phasing out/ discontinuation of holding separate sessions for clearing of
cheques not complying with CTS 2010 standards in the three Grid Centres, ….
B. Banks can continue to present such instruments in Express Cheque Clearing System (ECCS) centres
Should the Bank collect a cheque for non-customer ….. (a) Yes, for reputed non-customer (b) Yes, for
PEP non-customer (c) No, it is therefore essential that before the cheque is collected the relationship of
the customer and the banker is established. (d) No, it is because of this that the customer account is first
opened and then the cheque is collected.
C. Both (c) and (d) are correct
If there are changes/corrections carried out on the Cheques submitted under Cheque Truncation
System (CTS) ………
A. All types of changes/ corrections should be authenticated
B. Cheques with corrections made in amount, payee etc. should not be accepted
C. Cheques with corrections done for date validation may be accepted
D. Both B & C are correct
In case of delay in collection of cheques beyond the stipulated period, compensation should be paid
……..
A. Automatically
As per Section 18 of NI Act, if the amount on a Negotiable Instrument undertaken or ordered to be paid
is stated differently in words and figures, the amount in ……. shall be the amount undertaken or ordered
to be paid.
B. Words
Which of the following cheques can be paid by way of credit to account only?
C. Cheque with Restrictive Crossing/ Account Payee Crossing
SKA
Which of the statements is/ are correct ……………
A. All the centres covered under the same grid in Cheque Truncation System (CTS) are treated as a
single clearing zone
B. Cheques drawn on the centres covered under the same grid and presented at any of the grid centres
are treated as locally drawn cheques
D. Both A & B are correct
Under the Grid system of Cheque Truncation System, Mumbai is the centre of…….
B. Western Grid
On which day of month customer can meet senior executives of the bank without prior appointment?
A. 15th of every month
On which number a customer can send a SMS, if he/she is unhappy with the services of the branch?
A. 800820202
Which of the following is not a reason of complain categorised under “Response to requests failure”
category?
A. Special Preference
B. Customer Errors
C. Slow service
D. Disruptive behavior by others
A customer needs to send an SMS as……….., if he is not satisfied with the services. D UNSATISFIED
C. UNHAPPY
Which of the following is not a public action taken by an unsatisfied customer of the bank?
A. Take legal action for redressal
B. Complain to a third party e.g. Ombudsman
C. Switch the banker
D. Complain to the organization
At what time Customers of the Bank can meet senior executives of the Bank on 15th of every month
without any prior appointment and discuss issues?
A. between 3.00 p.m. and 5.00 p.m.
If the customer thinks that the complaint at the branch will create confrontation, then he will….
A. not complain
If a customer decides to switch to other bank because of poor services of the bank. This means he
opted for ……………..
B. Private Action
SKA
If an unsatisfied customer talks about bad behaviour/ services of the bank to the other people. This
means customer is opting for…….
C. Private Action
Complainant may approach the Banking Ombudsman only if the complaint is not resolved at the bank
level within ……….
D. a month
Which of the following is NOT true regarding receipt and noting of customer complains on structured
complaint register?
A. A copy of customer complaint retained at the branch.
B. One copy goes to the Ombudsman, with branch comments regarding the resolution action
taken by the Branch.
C. The complainant is provided a copy of the complaint.
D. One copy goes to the Controller, with branch comments regarding the resolution action taken by the
Branch.
Which of the following is not a private action taken by an unsatisfied customer of the bank
A. Negative word of mouth publicity
B. Switch the banker
SKA
C. Complain to the organization
D. None of the above
Accounts of Government owned Companies/ Departments are classified under which category:-
A. Low Risk
Accounts of Politically Exposed person of (foreign origin) are classified under which category:-
C. High Risk
Accounts of Firms with sleeping partner are classified under which category:-
C. High Risk
If there is a change of name after marriage, and then a document shall be deemed to be an OVD
A. if it is supported by a marriage certificate issued by the State Government or Gazette notification
B. Gazzette notification to indicate such a change of name
C. Both (i) and (ii)
D. No such requirement
The identified compliance breaches should be analysed and resolved in an appropriate manner. The
objective of the analysis is to:
C. identify areas of weakness
Compliance Function is ___________ , whether all critical Compliance risk are adequately managed,
mitigated and reported to Management as required.
B. to independently monitor
The Compliance functionaries, duly authorized, shall have ________ Inspection and Audit Reports,
Concurrent Audit Reports, RBI Inspection Reports etc.
B. the right to access
CRM (A1004)
SKA
Which of the following is not a key step in initiate milestone ?
A. Lead creation
B. Lead Dedupe
C. Lead Assignment
D. Lead Recording
What does the 'flag icon' used in CRM lead creation screen indicate ?
A. Current step in the process
From which of the following communication channels, CRM compiles data about the customer ?
A. Company's website
B. Email
C. Social Media
D. All of the above
Which of the following card is not displayed in Lead 360 card view ?
A. Profile card
B. Life cycle card
C. Product card
D. Activities card
Alerts section displays alert messages for the user on the_______ of Summary page
B. Top
Alerts section displays alert messages for the user on the_______ of Summary page
B. Top
While creating a new lead, if a similar lead already exists in the system, the CRM portal will show a pop-
up and presents how many options ? "
C. 3
If the lead is not interested, the SBI official updates the status code to Not Interested, provides closure
remarks and closes the lead. The activity mentioned here pertains to which milestone ?
B. Disqualify
Which of the following choices is not presented by CRM if it finds that a similar lead exists in the system
?
A. Edit Current lead
B. Ignore and create a lead
C. Cancel
D. Refer the lead
Which of the following tab is not displayed in Lead 360 detail page ?
SKA
A. Details
B. Activities
C. Attachment
D. Action
In case the documents of the customer are readily available, the lead should be created in what stage?
B. Docs Collected
what is upselling?
A. The practice of encouraging customers to purchase a comparable higher-end product
- Life insurance is a protection against ------------- that would result from the premature death of an
insured?
C. financial loss
___________ is a collective investment scheme which can issue and redeem shares at any time
B. Open ended funds
A new fund offer (NFO) is the ------- subscription offer for a new scheme launched by the asset
management companies (AMCs).
SKA
A. First time
An endowment policy is a life insurance contract designed to pay a ----- after a specific term (on its
'maturity') or on death.
A. lump sum amount
What is Premium?
A. Premium is the price for insurance.
Bonus is the extra sum which gets accumulated to any insurance policy on a -------basis which will be
paid to the policyholder on the maturity of the plan or in the case of his death.
A. Yearly
_____________ Policy is a life insurance contract designed to pay a lump sum after a specific term (on
its 'maturity') or on death.
C. Endowment policy
The marketing mix includes 7 P's of Marketing, which of the following is not one of them?
A. Process
B. Person
C. People
D. Physical attraction
SKA
For better result in cross selling ------- of the unit should be sales oriented and speak to customers with a
right attitude and should posses’ adequate knowledge on products, services.
B. entire staff
ETHICS (A1002)
…………….. help us examine whether a practice or conduct is good or bad within the context of a moral
duty.
A. Ethics
Your Brother in law comes to your branch to make one high value IOI and he know that the Bank does
not charge exchange from staff and he wants you to make the IOI in your name. If you accede to his
request, you comprise which value of Bank.
B. Ethics
My Manager comes to me with two short listed cab service provider ,the one who has come out with the
slight lowest rate has higher emission level. Which value of Bank should try for implementation?
B. Sustainability
One of my colleagues views customer information in CBS for non-business reasons, you should tell him
about which value of the Bank to adhere to.
C. Ethics
You observe that one of your colleagues do not properly close the wash room tap. Then they are not
adhering to which value of the bank.
B. Sustainability
if we are not sure on what to do in a situation,what should you do.choose the most appropriate one
C. Refer to the Ethical Decision-Making Guide or relevant policy in Resources Section of the Code
If I am saying thank you to customer after doing their work, then I am adhering to which value of the
Bank.
A. Service
Saving resources like Paper, electricity, fuel etc. falls under which value of the bank.
A. Sustainability
We are increasing the channel of green channel counter in our Branches, which is a reflection of our
value of
A. Sustainability
One of your customers asks you about the rate of interest offered you in term deposit and also ask
whether rate of interest is best offered in the Market and you did not know the answer but told yes. You
are not adhering to which value of the Bank.
A. Transparency
Our Branch is showing a reduction in the number of customer complaints in comparison to last year.
Which of our values in STEPS is playing a major role here?
C. Service
SKA
You are serving as an Assistant in a Branch. One day one customer approached you for Goat rearing
under MUDRA. You are not sure of any such loan and told NO. But ,however you took him to BM’s room
for any carfication.BM told that the loan can be given under MUDRA and asked customer to apply. BM is
displaying which value.
C. Service
You are attending to a customer, when you received a call from your senior, who wants you to see him
urgently. You told that you are attending to a customer and once finish , you will call on him. Which
value of the Bank you are practising, choose the most appropriate one.
C. Service
We are providing special counter for pensioners during 1st week of every month, we are living with value
of the Bank.
C. Service
One of our staff members is attending to other work when dealing with customer , then he is not
following which value of the Bank.
C. Service
If we ensure that integrity permeates our working and decision every time and every day, then we are
living which value of the Bank.
B. Ethics
Bank has a well-documented ethics code for our day to day use.
A. YES
A satisfied customer is not the most important factor for growth of Business.
B. False
I am in dire need of money and one of my customers is offering to help me by giving some money and I
know I can repay it shortly. Should I accept it
B. NO
Proper Courtesy and thankful attitude towards s customer reflects our value of Politeness
A. True
Who are eligble cus ,/\tomers for availing SBI Maxgain Scheme ?
A. Both Existing / Prospective customers having minimum balance of Rs.5000/- in their SB/CA
What should be minimum age of the borrower to be eligible under Maxgain Scheme?
SKA
A. 18 yrs
What should be the minimum age of the borrower to be eligible under Earnest Money Deposit Scheme?
B. 21 yrs
What is the maximum age for a customer at the time of liquidation of loan, under Maxgain Scheme?
D. 70 yrs
What are the service charges applicable on current account under Maxgain scheme?
B. No charges
SBI Realty Loan can be sanctioned to …………….. for purchasing plots in towns with population of
10000 and above, within town limits.
A. Permanent Employees of Cent Govt/State Govt/PSU
Under SBI Realty Scheme, if a customer fails to complete construction within 5 years, what should you
do?
A. Charge higher interest beyond 5 years as per latest Interest Rate in Realty Scheme
A customer wants Maxgain facility in his Realty Loan. Can you permit?
C. No, Maxgain not permitted in Realty
In Maxgain Scheme,Borrower will be issued cheque book subject to the following condition
A. Conduct of accounis satisfactory for one year
B. Outstanding remains above 10.00 lacs
C. There is a surplus available in the account
D. No such condition
In Earnest Money Deposit Scheme, the allotment letters should be routed through……..
B. SBI only
What is the minimum annual income required for applicants availing Earnest Money Deposit Scheme
from SBI?
C. No minimum income stipulation
Under SBI Maxgain Scheme, the customer will get the following benefits:
A. Overdraft Account with INB and cheque book
When can a customer start depositing his surplus fund into the account under Maxgain scheme?
B. After full disbursement of loan
What is the maximum quantum of loan under SBI Realty Scheme if the property is located in towns with
population of 10000 and above, within town limits ?
D. Rs.50 lac
What is the maximum quantum of loan under SBI Earnest Money Deposit Scheme if the customer is a
CSP/DSP customer?
C. Rs.15 lac
What % of surplus fund deposited over and above Drawing power can be withdrawn by the customer in
SBI Maxgain Scheme?
A. 100%
What is the maximum period for construction of house under SBI Realty Scheme?
C. 5 yrs
What is the maximum quantum of loan under SBI Earnest Money Deposit Scheme if the customer is not
a CSP/DSP customer?
B. Rs. 10 lac
In SBI Realty Scheme, what will be the maximum LTV if the loan is sanctioned for purchasing plots in
towns with population of 10000 and above, within town limits?
C. 60%
If we sanction a Realty Loan in July 2018, when should the repayment start?
A. From next month
A customer has taken a Realty Loan from us. He wants construction loan also. Can we permit?
A. Yes, loan for construction can be sanctioned
What is the minimum margin required for applicants availing Earnest Money Deposit Scheme from SBI?
D. zero per cent
SKA
Interest rate on PPF account are decided by
C. Government of India
Shri Shyam want to open a PPF account. He is eligible to open a PPF account if his age is
D. No age limit
How many times a PPF account can be extended for a tenure of 5 years
D Any number of times
If a PPF account is closed prematurely in between the extended term of 5 year. What rate of interest is
payable?
A. One percent reduction
What is the maximum number of nominations allowed in Senior Citizen saving Scheme
C. More than one are allowed
Mr Sanjeev want to open a joint account with spouse under Senior Citizen Savings Scheme ? Is it
permitted
A. Yes
Following transactions relating to government business are eligible for agency commission?
A. Public Provident Fund (PPF) Scheme, 1968
B. Senior Citizen Savings Scheme (SCSS), 2004
C. Pension Payment
D. All the above
Ms Meenal is having a Suknya Samridhi Account in her name. She has now become NRI ? What will
happen to her account ?
A. The account will deemed to be closed
A PPF account of Mr Alok is inactive for not depositing minimum amount specified as per the scheme.
What are the guidelines relating to application of interest in such account ?
A. Not applied
Rishi has requested to open a PPF account in the name of his minor son who is 15 years old. Can we
consider his request ?
A. No, as PPF account cannot be opened in the name of the minor.
B. We can consider his request as PPF account can be opened in the name of the minor who is above
14 years old
C. Pension Payment
SKA
D. All the above
Mr Agrawal has deposited Rs.100000/- in PPF account in 12 instalments during a year. Now he wants to
deposit another Rs.10000/- in the account. Can he do it ?
B. No, total amount can be deposited in maximum 12 instalments
What are the Banks instructions regarding opening of Sukanya samriddhi account for younger twin
daughters if already one account is opened for the elder girl child
B. You will open two more SSA
Mr Rakesh has SCSS account. He is in need of money. Premature close of account under Senior
Citizens Savings Scheme is allowed after how many years of opening the account ?
A. One
Shanti opened one PPF account. She did not deposit any money in her PPF account last year.So her
account became inactive.What can be done to reactivate her PPF account ?
D. By depositing a minimum amount of Rs.1000/- (Rs.500 *2) for previous year and current year and a
penalty of Rs.50/- i.e a total amount of Rs.1050/-.
Mr Rajiv is having a PPF account and has already deposited the amount twice in the account in a
month. He wants to deposit for the third time in the account . Is it allowed
B. No
Mr Singhai has an account under Senior Citizen Savings Scheme. He now wants to open one more
account. What are the guidelines ?
A. A depositor may operate more than one account subject to the condition that deposits in all accounts
taken together shall not exceed the maximum limit of Rs.15 lakhs
Mr Sanjay want to deposit money in his SSA account.What is the maximum deposit amount he can
deposit per annum
C. 150000
Mr Rakesh want to deposit money in his SSA account.What is the minimum deposit amount he has to
deposit per annum
C. 1000
Ms Sandhya is having a Sukanya Samridhi Account in her name. She is 17 years old studing in
standard 9th. She is in need of money now. She wants to withdraw from Sukanya Samridhi Account.
When can she withdraw from Sukanya Samridhi Account ?
B. No as Withdrawal is permissible after the girl child attains 18 years of age or has passed 10th
standard, whichever is earlier.
SKA
A PPF account in the name of HUF is running in Sukhlia branch. What should be done to this PPF
account ?
A. The account should be continued to till maturity
B. No extension is permitted in this account
C. The account should be closed immediately
D. Both a & b are correct
Mr Pathak is eligible to open a Senior Citizen account in which of the following conditions
A. If he has attained the age of 60 years and above
B. If he has attained the age of 55 years or more but less than 60 years and has retired on
superannuation
C. We can consider his request as PPF account can be opened in the name of the minor of any
age.
D. No we have to seek permission of controlling authority to open PPF account in the name of the minor
Smt Sushma have two girl children. What are the Banks instructions regarding opening of Sukanya
Samriddhi account?
A. One account per girl child
KYC (A1006)
Qus: Full KYC should be done at least once in …….. in case of high risk category customers.
Ans: two years
Qus: Full KYC should be done at least once in …….. in case of medium risk category customers.
Ans: eight years
Qus: If minor is less than …………. of age, ID proof of the person who will operate the account is
obtained.
Ans: 10 years
Qus: Money launderers use the ………… for cleansing ‘dirty money’ obtained from criminal activities
with the objective of hiding/disguising its source.
Ans: banking system
Qus: Who has specified Know Your Customer Standards to be followed by banks?
Ans: Reserve Bank of India
Qus: KYC is carried out to identify and verify the profile and identity of the ……….
Ans: customer
Qus: Where forgery of valuable security or documents has taken place report should be furnised to
………. in plane text form.
Ans: FIU-IND
Qus: The PMLA and rules notified there under impose obligation on banking companies, financial
institutions and intermediaries to verify identity of clients, maintain records and furnish information
to ……….
Ans: FIU-IND
Qus: …………. can be used to launder the proceeds of fraud schemes (e.g., phishing and identity
theft) by criminals.
Ans: Money Mules
Qus: …………… is the one that originates a wire transfer as per the order placed by its customer.
Ans: Ordering bank
Qus: The AML/CFT Policy of the Banks has …….. key elements.
Ans: 4
Qus: Which section of Prevention of Money Laundering Act, 2002 (PMLA) has defined the “offence of
money laundering”?
Ans: Section 3
Qus: The Prevention of Money Laundering Act, 2002 came into force w.e.f ……
Ans: 1st July 2005
Qus: Under CTRs, cash withdrawals and deposits for ……….. and above in deposit, cash credit and
overdraft accounts to be recorded in a separate register and reported to controlling office every
month.
Ans: Rs. 10.00 lacs
Qus: In case of Non face-to-face customers, branches should insist on certification of documents for
photo ID and proof of residence by …………
A. Notary Public
B. Indian Embassy
C. Banker
SKA
D. Any of the above
Qus: Which of the following documents is a requirement in case of opening Individuals account
A. Passport
B. Driving Licence
C. NREGA Card
D. any of the above
Qus: Which of the following documents is a requirement in case of opening partnership firms account?
A. Partnership deed
B. A copy of Bye-laws
C. Partnership Letter
D. a and c both
Qus: Which of the following documents is a requirement in case of opening Hindu Undivided Family
account?
Ans: Proof of Identification of Karta
Qus: Financial institutions should be required to undertake Customer Due Diligence (CDD) measures
when:
A. Establishing business relationship
B. Carrying out occasional transactions above the applicable designated threshold for the account
C. The transaction is carried out in a single operation or in several operations that appear to be
linked
D. All of the above
Qus: CCRs are also required to be filed in cases of detection of Counter Currency through ………..
System of RBI in remittances sent to them.
Ans: Currency Verification and Processing
Qus: CIP would enable ………. of the customer and also to determine the expected or predictable
pattern of transactions.
Ans: risk profiling
SKA
What is the formula for calculating Return on Assets?
C. (Net Profit / Total Assets)
Calculate ROA, if Net profit is Rs. 1 Cr and Total assets are Rs. 10 Cr?
D. 10%
Calculate ROA, if Net profit is Rs. 1 Cr and Total assets are Rs. 100 Cr?
A. 1%
Calculate ROE, if Net profit is Rs. 0.5 Cr and equity is Rs. 10 Cr?
C. 5%
If a company XYZ having an annual sales of Rs. 10 Cr has a market share of 10%, then what is the
combined sales of all the market players?
B. Rs. 100 Cr
A company XYZ has a ROE of 5%. If the Net profit of the company is Rs. 0.5 Cr; please calculate the
money invested by the shareholders in the company?
C. Rs. 10 Cr
A company XYZ has a ROA of 10%. If the Net profit of the company is Rs. 1 Cr; please calculate the
value of total assets that the company has?
C. Rs. 10 Cr
Market share of company A having sales of Rs. 10 Cr and competing in a market with other players B
(Rs 20 Cr), C (Rs 25 Cr) & D (Rs 45 Cr) would be
B. 10%
Market share of company A having sales of Rs. 5 Cr and competing in a market with other players B (Rs
20 Cr), C (Rs 30 Cr) & D (Rs 45 Cr) would be
C. 5%
Calculate Market share of a company A having sales of Rs. 10 Cr, when combined sales of all the
market players is Rs. 50 Cr?
D. 20%
Calculate Market share of a company A having sales of Rs. 10 Cr, when combined sales of all the
market players is Rs. 100 Cr?
B. 10%
Market share is calculated by taking a company's sales over a period and dividing it by the ______ of
the industry over the same period
A. Total Sales
SKA
In the broadest sense ________ is the ultimate Return on Investment (ROI)
A. Return on Assets
Companies usually try to increase ________ with a defined strategy combining effective marketing
campaigns and expansion of stores or distributors.
B. Market Share
______ tells you what percentage of profit your company makes for every Rupee of equity invested in
your company
C. Return on Equity
Gaining market share is easier in a growing market than in a more mature one.
A. True
ROA simply shows how effective your company is at using your assets to generate profit.
A. True
: It is much easier to increase market share in a growing market because _____ customers are entering
the market, ready to buy and try _____ products.
C. New, New
Increasing market share in a ______ market is expensive; as it involves taking customers away from
competitors and changing customers’ regular buying habit.
C. Mature
SBI YONO-Insta Savings Bank Account has some limitations which can be removed by visiting branch
within
A. 365 days
Which card will be available for customers opting for SBI YONO Insta Savings Bank account?
SKA
C. RuPay Debit Card
Customers who open account under SBI YONO-Digital Savings Bank Account will get
A. Personalised Platinum Debit Card
Which of the following is not a benefit of digital financial products for customers?
A. Better customer experience
B. Ease of operations
C. Complicated transactions
D. Speedy solutions
Which of the following is not one of the variants of Corporate Internet Banking ?
A. Saral
B. Vyavsaay
C. Vistaar
D. Vyapar
Major disruption in Banking and Financial Services industry has been caused by :
A. New age Banks and Fintech companies
SKA
B. Electronic Toll Collection Lanes on all the National Highway Toll plazas and selected State Highway
toll plazas
What is Marketing?
A. The process by which a firm profitably translates customer needs into revenue
Which of the following Joint Account customers can avail Retail Internet Banking facility?
A. Joint accounts with operational instructions as “Either or Survivor”
B. Joint accounts with operational instructions as “Anyone or Survivor”
C. Joint accounts with operational instructions as “Former or Survivor/ Latter or Survivor”
D. All of the above
Which of the following Corporate Internet Banking variant is suitable for customers who would only like
to do account enquiry and download account statements :
A. Vyapar
B. Khata and Khata Plus
C. Vistaar
D. Saral
What is the monetary limit fixed by RBI at present, for authorising transaction just by tapping the card?
C. ?2,000/-
NFC mean:-
B. Near Field Communication
Which of the following is an advantage to the Bank (Card Issuer) under Merchant Acquiring Business?
A. Reduced costs
B. Additional income
C. Both (A)&(B)
Which of the following is an advantage to the Bank (Card Issuer) under Merchant Acquiring Business?
A. Higher CASA deposits
B. Arrest the flight of business
C. Customer loyalty
D. All the above
What is the maximum period upto which merchants are expected to preserve the invoice?
C. 18 months
Who creates the TID, MID & MCC for each merchant in MAB?
B. The Technical Service Provider
What is the monetary limit above which, copy of the PAN card is to be obtained from the consumer in a
PoS Transaction?
SKA
C. ?50,000/- in case of general transactions and ?2 lakhs in case of jewelry transactions
Which of the following is one of the Technology service providers for Merchant Acquiring Business?
C. Prizm Payment Services Pvt. Ltd
What are the parameters not to be considered for fixing Daily Transaction Limit for a Merchant in MAD?
C. Peak Level No. of transactions
Under Merchant Acquiring Business,deactivation of terminal can be done by the Bank on account of
A. Repeated observance of suspicious transactions on POS terminals
B. Violation of terms and conditions of ME agreement
C. Both (A) & (B)
D. None of the above
Which of the following is an area of Merchant complaint under Merchant Acquiring Business?
C. Merchant Account is not Credited/ credited with delay
Which of the following is an area of Merchant complaint under Merchant Acquiring Business?
A. Malfunctioning /non-working of Terminals
Maximum OD facility allowed to merchant under Merchant Acquiring Business is Rs.___ lakhs.
B. 5.00
Which of the following is one of the benefits to Merchant under Merchant Acquiring Business?
C. Customer loyalty to merchant increases
Which of the following is one of the benefits to Merchant under Merchant Acquiring Business?
D. Cash handling is avoided
SKA
Which of the following is one of the benefits to Merchant under Merchant Acquiring Business?
C. Additional revenue stream from value added services
Which of the following is an advantage to the Bank (Card Issuer) under Merchant Acquiring Business?
A. Reduced costs
B. Additional income
C. Both (A)&(B)
D None
Account statement through e mail can be obtained on registered e mail , by sending following SMS
C. ESTMT<space>< account numberr><space><code
For getting Home Loan Interest Certificate through Emai, SMS has to be sent as
A. HLI<space>< account number><space><code
When FASTag is installed , for payment of toll tax , the vehicle has to pass through
A. The specific lane in which FASTag payment is allowed
To get detailed information on Home loan Features, one has to send Message to
B. 9223588888
To get detailed information on Car loan Features, one has to send Message to
B. 9223588888
What is the utility of code provided for getting account statement of email
A. It is pass code to open the email
SBI Quick can be activated for the mobile which is linked to the account
A. Correct
How many times ,in a month , recharge can be done , if FASTag is linked to Prepaid account
D Any number of times
One can subscribe for following Social security schemes through SBI Quick
A. PMSBY
B. PMJJBY
C. Both options are correct
D. None of the options are correct
If the FASTag is not linked to Prepaid account , what is the maximum amount that can be recharged
D. Rs.10000+A1
When missed call is givewn for Mini Statement , one will get -- last transactions
A. 5
How many digits does the Pass code contain for getting account statement of email
C. 4
What is the Overall daily limit for UPI Transactions in SBI Anywhere?
C. 25,000
What is the Transaction Limit per month for m-Cash in SBI Anywhere?
C. 5,101
What is the maximum limit allowed to Minors for NEFT in SBI Anywhere ?
A. 5,000
SKA
What is the maximum limit allowed to Minors for opening e-TDR/e-STDR in SBI Anywhere?
A. 5,000
What is the Per day limit for Registered beneficiary using account number & IFSC (P2A) for UPI in SBI
Anywhere?
A. 25,000
What is the per day Transaction Limit for RTGS in SBI Anywhere?
B. 10,00,000
What is the maximum limit allowed for each Transaction through IMPS in SBI Anywhere?
A. 2,00,000
What is the maximum limit allowed for Bill Payments in SBI Anywhere?
A. 5,00,000
What is the Overall Daily limit for Mobile topup in SBI Anywhere?
D. 50,000
What is the per Transaction limit for Quick Transfer in SBI Anywhere?
A. 10,000
Which of the statement is not true about State Bank Anywhere Personal app?
A. Per day transaction limit for Credit Card VISA Transfer is Rs.1 lakh
B. Per day transaction limit for third party transfer within SBI Transfer is Rs.10 lakh
C. Per day transaction limit for IMPS is Rs.5 lakh
D. Per day transaction limit for SBI Life Premium is Rs.50000
What is the per day limit for Quick Transfer in SBI Anywhere?
C. 25,000
What is the Overall daily limit for Merchant Payments for IMPS in SBI Anywhere ?
B. 1,00,000
What is the limit for credit card VISA Transfer in SBI Anywhere?
B. 1,00,000
How much amount can be paid for post paid bills in SBI Anywhere ?
B. 50,000
What is the Transaction limit per day for funds transfer within self accounts in SBI Anywhere?
B. Rs 2,00,00,000
What is the per day limit for Unregistered beneficiary for UPI in SBI Anywhere?
B. 10,000
Per day transaction limit in case of third party transfer within SBI and Interbank transfer – NEFT through
State Bank Anywhere Personal app is ?
D. Rs.10 lakh& Rs.10 lakh
SKA
Which of the statements is not true about State Bank Anywhere Personal app?
A. This app is only for the personal segment account holder
B. It requires registration and activation code for authentication
C. Customer can register for Retail Internet Banking through ATM/Debit card and then download the
application for use
D. One of the features, “Quick Transfer” where the Customer may send the money by adding
beneficiary upto Rs.10000/-
Mr. Srinivasan, SBI Customer, recently shifted to Delhi from Chennai. He found many places in Delhi, a
slogan, 'State Bank KahinBhi'. He is unable to understand which app is being referred. Can you identify
the app?
A. State Bank Anywhere
Which option is not available in pre-login section under State Bank Anywhere Personal app?
A. Card blocking
B. eLocker Enquiry
C. m Passbook
D. Card Blocking for International Usage
A customer (Android phone user) was explained about our BHARAT QR code. He is unable to find any
such app in Google Play Store. How you will advise to the customer in this situation ?
A. Payment through BHARAT QR is available in Pre-login stage at SBI
Anywhere Personal app
What is the per Txn Limit for Mobile Topup in SBI Anywhere?
B. 10,000
What is the maximum limit allowed to Minors for opening e-RD Accountsin SBI Anywhere ?
C. 5,000
What is the Transaction limit per day for creating E-RD/E-STDR in self accounts in SBI Anywhere?
C. 99,99,999
What is the Transaction limit per day for m-Cash in SBI Anywhere?
C. 2,202
What is the per day Transaction limit for NEFT in SBI Anywhere?
C. 10,00,000
Which non-financial transaction is not available under State Bank Anywhere Personal app?
A. Cheque Book request
B. TDS enquiry
C. Account opening request
D. Aadhaar Linking
SKA
What is mPassbook in SB Anywhere?
C. Option to maintain electronic passbook in Mobile
Any unauthorized Transaction in SBI Anywhere has to be notified to which of the following Toll free
numbers ?
B. 18004253800
What is the Transaction limit for Minors for Mobile top up in SBI Anywhere ?
B. 2,000
What is the Transaction Limit for newly added beneficiary for first 4 days in SBI Anywhere ?
D. 1,00,000
What is BHIM?
B. It is an app using Unified Payments Interface
What is the maximum transaction limit per day through BHIM app?
B. Rs.100000/-
What is the maximum transaction limit per day on BHIM SBI Pay?
B. Rs.100000/-
Which option is not available while paying through Google pay App?
A. UPI ID
A. UPI ID
C. Phone Number
D. Aadhaar based
SKA
Which of the option is not available in Google Pay app?
A. Get rewards
B. Pay bills
C. Accept payments for your business
D. Book Flight tickets
Which of the following does not required for creating UPI Pin in BHIM SBI Pay?
A. Enter the last 6 digits of your Debit Card & expiry date
B. Enter 10-digit mobile no. registered in the account
C. In case of a Maestro card, no need to enter expiry date
D. Separate UPIN must be set for each of the linked accounts
A customer is having 11 different accounts in different banks. What is the maximum number of accounts
can be mapped in BHIM SBI Pay?
A. 1
B. 5
C. 10
D. No such limit
What do you understand by Easy & Instant Payments in UPI based transaction?
C. Immediate money transfer through mobile device round the clock 24*7 and 365 days
From which of the following options a user can not initiate the collect request in BHIM App?
A. Through VPA
B. Through QR Code
C. Through Aadhaar No
From which of the following options a user can not send money to the beneficiary through BHIM SBI
App?
A. Through VPA
B. Through QR Code
C. Through Aadhaar No.
D. Through Mobile No.
Ms. Shanthi does not remember the details of accounts of her maid and wants to transfer Rs. 5000/- to
her account. Her maid is having basic feature phone. Which option is not true in this scenario?
A. Ms. Shanti can transfer the fund through Aadhar No. option in BHIM SBI Pay
B. Fund transfer through Aadhar can be done through BHIM SBI Pay app
C. Fund transfer through Virtual Payment Address (VPA) can be done through BHIM SBI Pay app
D. Fund transfer through SBI Epay
Which is not the pre-requisites for BHIM app registration in the following options?
A. Mobile - Android 4.2.2 and above
B. Mobile number present in the android handset should be registered in Bank account
C. Valid AADHAAR No.
D. Details of debit card linked to the account required for UPI PIN set up
SKA
A customer has selected the Bank name to link with UPI but it does not find his/her bank A/C. What will
you suggest in this case?
C. Ensure that the mobile number linked to the bank A/C is same as the one verified in any UPI App
A customer wants to register for our BHIM SBI Pay. The customer was explained about the pre-requisite
for the registration. What is not compulsory in Registration process for BHIM SBI Pay?
A. Selecting the Bank and Account number
B. Creation of Virtual Payment Address
C. Creation of 6 digits PIN
D. Creation of QR code
Which is not the pre-requisites for BHIM SBI Pay in the following options?
A. Mobile - Android 4.2 and above
B. Mobile number present in the android handset should be registered in Bank account
C. Valid AADHAAR No.
D. Details of debit card linked to the account required for UPI PIN set up
From which of the following options a user can not send money to the beneficiary through BHIM App?
A. Through VPA
B. Thro ugh QR Code
C. Through Aadhaar No.
D. Through Mobile No.
From which of the following options a user can not initiate the collect request in BHIM SBI App?
A. Through VPA
B. Through QR Code
C. Through Aadhaar No.
In how many ways can a user start a conversation with the Chatbot?
D. 2
What is Chatbot?
B. Digital Virtual Assistant
Which new technology has been deployed for responding customer queries?
C. Chatbot
What is A.I.?
A. Artificial Intelligence
In which of the following Social Media site, SBI does not have Official page?
A. Youtube
B. Pinterest
C. Google Plus
D. Instagram
The customer is asked to comment on “How can we improve?” while giving feedback, when is the score
is?
C. 3 & below
From which section of the YONO App/ Portal can a customer lodge a complaint?
A. Support
Through which Social Media site, customer can post comment, raise queries and service request and
lodge complaint?
A. Facebook
B. Twitter
C. Linkedin
D. Both (A) and (B)
Under NPS, the customer shall be asked for specific input by commenting on “How can we improve?” if
he/she assigns a score of?
D. Equal to or below 6
What will happen if a non-Digital customer call to the new Toll-free number?
C. The call will be re-directed to regular IVR menu
Which of the following service are not leverage for Digital Bank Customers?
A. Support from Contact Centre
B. Support through Social Media Platform
C. Chatbot within the App
D. Support from LCPC
Who will handle the technology related complaints for YONO products/services?
B. YONO GITC Team
Whether customer opening a Digital Savings Account will get “Welcome & On-boarding” call?
A. Yes
To lodge a complaint through YONO platform, the customer should be a registered YONO mobile
App/web Portal User?
A. True
Can the Contact Centre agent able to resolve the joint Venture (JV’s) issues?
B. No
SKA
Can Bank’s social media platform will be leverage to handle the queries related to YONO App/Portal?
A. Yes
Does the customer has to register on YONO App/Portal to use the new toll free number?
A. Yes
What is the Minimum Age Limit for CSP customer under PAPL?
A. 18
What is the Maximum Age Limit for CSP customer under PAPL?
B. 58
What is the Maximum Age Limit for Non CSP customer under PAPL?
D. 68
What is the maximum eligible Loan amount for customer in (≥ 20,000 to <25,000) bucket under PAPL?
A. 40000
What is the maximum eligible Loan amount for customer in (≥ 25,000 to < 30,000) bucket under PAPL?
B. 50000
What is the maximum eligible Loan amount for customer in (≥ 30,000 to < 35,000) bucket under PAPL?
C. 60000
What is the maximum eligible Loan amount for customer in (≥ 35,000 to <40,000) bucket under PAPL?
D. 80000
What is the maximum eligible Loan amount for customer in (≥ 50,000) bucket under PAPL?
E. 100000
Out of the following category of Customers _______ are not eligible for PAPL?
A. Residents
B. Non Residents
SKA
C. Both
D. None of the above
A customer can avail maximum of ____ PAPL at a time within overall eligibility?
A. 1
In case of Non CSP customer, pre-selection is based on Average Quarterly Balance for
_________Quarters under PAPL?
D. 4
In respect of CSP Customers the Account should be operative for _____ years under PAPL?
A. 1
In respect of Non- CSP Customers the Account should be operative for ___ years under PAPL?
B. 2
A customer is shown which of the following options while premature closure of Fixed Deposit is being
undertaken?
A. Pre-Approved Personal Loan and OD against FD (if eligible)
Customer can view existing Fixed Deposits and Tax Saver Fixed Deposits from the ---------------- section
under ‘Relationship Overview’. Choose the correct option to fill in the Blank
D. My Deposits
How many buckets Pre -selected customers are categorised into based on their account balances under
PAPL?
B. 5
Can Tax Saving Fixed Deposit be closed online on the YONO platform?
C. It can be closed after 5 years are completed.
What is the CIBIL cut off score for CSP customers under PAPL?
C. 700
What is the CIBIL Cut off score for Non CSP customers under PAPL?
D. 750
SKA
Which of the following types of FDs can be created on the YONO platform?
A. Single FDs only
In case of a CSP customer, pre-selection is based on Minimum monthly credit for ________ Months
under PAPL?
B. 6
Which of the following statement is correct for Availing Overdraft facility against Fixed Deposit?
D. Tax saving fixed Deposit is Ineligible for OD.
Choose the correct option to fill in the blank, Fixed Deposit between INR--------------- and INR----------------
- can be created on the YONO platform.
A. INR 1000/- to INR 99,99,000/-
While Closing a Fixed Deposit, a customer can select the account to which she/he wants the closure
proceeds to be transferred. True or False
A. True
Option to download Fixed Deposit Receipt/Advice is not provided on the YONO app. True or False.
B. False
Closure of Overdraft against FD can be undertaken on the YONO app/portal. True or false
B. False
Fixed Deposit Advice can be e-mailed to the any of the e-mail Id (registered/Unregistered) of the
customer. True or False.
B. False
A customer can create a Tax Saving Fixed Deposit on the YONO platform. True or False.
A. True
Option to edit nominee for the Fixed Deposit Creation is being provided. True or False.
A. True
A Fixed Deposit can also be funded from Inoperative or Dormant Account. True or False.
B. False
Complicated Banking jargons like STDR/TDR has been removed on the YONO platform for creation of a
Fixed Deposit. True or False.
A. True
Default Nominee for Fixed Deposit created would be same as the debit account from which the Fixed
Deposit is being funded. True or False.
A. True
A frequent transaction list will enable users to complete funds transfer in ----------------clicks where all the
details (like amount, beneficiary account number etc.) will be auto populated from the previous
transaction history. Fill in the blank.
D. 3 click
My Dreams product returns are based on interest rate of which of the following?
A. e-Recurring Deposit (e-RD)
A customer does not have to provide which of the following information for creation of the Dream?
A. Dream Image
B. Dream amount
C. Dream Name
D. Dream Reference Number
A customer is shown which of the following Options while closing My Dream (if eligible)?
A. Pre-Approved Loan
A customer cannot view which of the following tab directly in the Relationship Overview feature?
A. My Balances
B. My Deposits
C. My Borrowings
D. My Transactions
For paying bills in the post logged in state, YONO platform is integrated with which platform?
A. Bill Desk Platform
If user selects ‘Virtual Payment Address’ for fund transfer, who should have the VPA?
A. Remitter should have VPA
B. Beneficiary should have VPA
C. Both should have VPA (Remitter and Beneficiary)
D. None of the above
Bharat Bill Payment System (BBPS) along with SB Collect, is available to customers for Bill Payment
as?
A. Pre Login
Using Add funds a customer can define which of the following for the My Dreams?
A. Per Month contribution
SKA
My Investments show which of the following information?
A. Customer’s Investments only
For transferring funds using QR code, customer can select QR code using
C. Either Mobile camera or Image Gallery in mobile
A smart search option for fund transfer is where user can search beneficiary from the existing
beneficiary list. True or False.
B. True
A beneficiary added on YONO platform will be available in INB and vice versa. True or False
A. True
In Bill Payments to a new biller, the biller addition process and first payment have been merged in a
single process flow.True or False.
B. True
A customer can search the past transactions with the biller using search bar functionality?
A. True
A customer can e-mail his transaction statement to any of his e-mail ID (Registered/Unregistered).True
or False.
B. False
SB Collect is available on the YONO platform post login only. True or False.
B. False
SKA
Scheduled Transfer feature is available on the YONO platform?
A. True
A customer cannot Close his My Dream on the YONO platform. True or False
B. False
In Funds transfer, Customer can add the image of the beneficiary on YONO platform.
A. True
Using Smart Search a Customer can search his transactions by Transaction amount. True or False.
A. True
Which of the following icon will show new offers on Online Marketplace?
D. Notification
Which of the following statement is correct with respect to SBI Online Marketplace?
A. SBI will not be responsible for poor product & services by listed merchants
B. SBI will not be doing fulfilment of products and services
C. It is a platform for communication of offers extended by merchants
D. All of the above
Which feature should be used when a customer wants to view products in increasing or decreasing
order of price?
C. Sort
Which of the following can be accessed without login into Online Marketplace?
A. Book & Order
B. Shop
C. Both (A) & (B)
D. None of the above
Which of the following sections need to be used in Online Marketplace, if a customer wants to purchase
airline tickets?
B. Book & Order
SKA
Which of the following sections needs to be used in Online Marketplace, if a customer wants to book
movie tickets?
B. Book & Order
Which of the following can be seen, when a customer clicks on Menu icon?
A. Shop
B. Book & order
C. Both (A) & (B)
D. None of the above
Which of the following sections need to be used in Online Marketplace, if a customer wants to purchase
mobile phones?
A. Shop
Which tab a customer will click to view merchant store on Online Marketplace?
A. Shop
B. Book & Order
C. Both (A) & (B)
D. None of the above
Which of the following sections need to be used in Online Marketplace, if a customer wants to order food
online?
B. Book & Order
When a customer purchase a product or services on Online Marketplace, Merchant is responsible for
which of the following?
A. Product fulfilment, product tracking, Product payment
B. Product delivery, product fulfilment
C. Product return , product cancellation, amount refund
D. All of the above
A registered Customer can access the SBI Online Marketplace through which mode?
A. Only YONO mobile app
B. Only YONO web portal
C. Both (A) & (B)
D. None of the above
Which of the icon will a customer click to initiate purchase process on merchant store in Online
Marketplace?
C. Buy
Inside a merchant store, ‘heart’ icon is used for which of the following?
D. Adding products in wishlist
Which of the following feature can be used to add/view/delete products on Online Marketplace?
C. Wishlist
Which of the following benefit is correct for SBI customers on Online Marketplace?
A. Exclusive deals from e-Commerce partners for SBI Customers
B. Bank Offers/Discounts on usage of SBI payment instruments
C. Both (A) & (B)
D. Only (B)
Which of the following activities can be done in Book & Order section?
A. Book movie ticket
B. Book bus ticket
C. Order food online
D. All of the above
Does a customer need to register in the YONO app/web portal for availing the offers?
A. Yes
Will Customer access wide range of non-financial products from multiple e –commerce partners on
Online Marketplace?
A. True
Does SBI share personal information of customer with merchant on Online Marketplace?
B. No
A disclaimer is always shown when a registered customer visit to the merchant site?
SKA
A. True
Customized offers are shown only in YONO app but not in YONO web portal.
B. False
Login with valid credentials is required in YONO app but not in YONO web portal.
B. False
Only a registered customer with valid SBI credentials can access the Online Marketplace?
A. True
When a customer click on a particular merchant’s logo on Online Marketplace, respective merchant’s
store page will open?
A. True
Merchants listed on YONO app and on YONO web portal are different?
B. False
Offers available on YONO app are same as that of the offers on YONO web portal?
A. Yes
SKA