TJSB Bank previous papers

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1. Which of the following statements is true?
(1) Banks cannot accept demand and time deposits from public
(2) Banks can accept only demand deposits from public
(3) Banks can accept both demand and time deposits from public
(4) Banks can accept both demand and time deposits from public -Answer
(5) Banks can accept demand and time deposits only from government

2. Which of the following is the correct statement?
(1) State Bank of India is the sole authority to issue and manage currency in India
(2) A nationalized bank is the sole authority to issue and manage currency in India
(3) A cooperative bank is the sole authority to issue and manage currency in India
(4) RBl is the sole authority to issue and manage currency in India-Answer
(5) None of the above

3. Interest payable on savings bank accounts is
(1) not regulated by RBI
(2) regulated by Sate Governments
(3) regulated by Central Government
(4) regulated by RBI -Answer(5) regulated by Finance Minister

4. The usual deposit accounts of banks are
(1) current accounts, electricity accounts and insurance premium accounts
(2) current accounts post office savings bank accounts and term deposit accounts
(3) loan accounts, savings bank accounts and term deposit accounts
(4) current accounts, savings bank accounts and term deposit accounts-Answer
(5) current bill accounts and term deposit accounts

5. Fixed deposits and recurring deposits are
(1) repayable after an agreed period-Answer
(2) repayable on demand
(3) not repayable
(4) repayable after death of depositors
(5) repayable on demand or after an agreed period as per bank’s choice

6. Accounts are allowed to be operated by cheques in respect of
(1) both savings bank accounts and fixed deposit accounts
(2) savings bank accounts and current accounts-Answer
(3) both savings bank accounts and loan accounts
(4) both savings bank accounts and cash accounts only
(5) both Current accounts and fixed deposit accounts

7. Which of the following is correct statement?
(1) Normally no interest is paid on current deposit accounts-Answer
(2) Interest is paid on current accounts at the same rate as term deposit accounts
(3) The rate of interest on current account and savings account are the same
(4) No interest is paid on any deposit by the bank
(5) Savings deposits are the same as current deposits

8. Mortgage is a
(1) security on movable property for a loan given by a bank
(2) security on immovable property for a loan given by a bank-Answer
(3) concession on immovable property for a loan given by a bank
(4) facility on immovable property for a loan given by a bank
(5) security on immovable property for a deposit received by a bank

9. Which of the following is known as cross selling by banks?
(A) Sale of a debit card to a CREDIT CARD holder.
(B) Sale of Insurance policy to a depositor.
(C) Insurance of cash against cheque presented by a third party.
(1) Only (A) (2) Only (B) (3) Only (C) (4) Both (A) and (C) (5) All (A), (B) and (C)-Answer

10. FINANCIAL inclusion means provision of
(1) financial services namely, payments, remittances, savings, loans and insurance at affordable cost to persons not yet given the same-Answer
(2) ration at affordable cost to persons not yet given the same
(3) house at affordable cost to persons not yet given the same
(4) food at affordable cost to persons not yet given the same
(5) education at affordable cost to persons not yet given the same

11. When a bank returns a cheque unpaid, it is called
(1) payment of the cheque
(2) drawing of the cheque
(3) canceling of the cheque
(4) dishonour of the cheque-Answer
(5) taking of the cheque

12. NEFT means
(1) National Electronic Funds Transfer system-Answer
(2) Negotiated Efficient Fund Transfer system
(3) National Efficient Fund Transfer solution
(4) Non Effective Fund Transfer system
(5) Negotiated Electronic Foreign Transfer system

13. Upper limit prescribed for RTGS transaction is
(1) Rs. 1 lac (2) Rs. 2 lacs (3) Rs. 5 lacs (4) Rs. 50 lacs (5) No upper limit is prescribed-Answer

14. Distribution of insurance products and insurance policies by banks as corporate agents is known as
(1) General Insurance (2) Non-life Insurance (3) Bancassurance-Answer (4) Insurance Banking (5) Deposit Insurance

15. In order to attract more foreign exchange the Government of India decided to allow foreign investment in LLP firms. What is full form of ‘LLP’ as used in this reference?
(1) Local Labour Promotion
(2) Low Labour Projects
(3) Limited Loan Partnership
(4) Longer Liability Partnership
(5) Limited Liability Partnership-Answer

16. Interest on Saving bank account is now calculated by banks on
(1) minimum balance during the month
(2) minimum balance from 7th to last day of the month
(3) minimum balance from 10th to last day of the month
(4) maximum balance during the month
(5) daily product basis-Answer

17. Largest shareholder (in percentage shareholding) of a nationalized bank is
(1) RBI (2) NABARD (3) LICI (4) Government of India -Answer(5) IBA

18. When the rate of inflation increases
(1) purchasing power of MONEY increases
(2) purchasing power of money decreases-Answer
(3) value of money increases
(4) purchasing power of money remains unaffected
(5) amount of money in circulation decreases

19. A centralized databases with online connectivity to branches, internet as well as ATM-network which has been adopted by almost all major banks of our country is own as
(1) Investment Banking (2) core Banking-Answer
(3) Mobile Banking (4) National Banking
(5) Specialized Banking

20. The Unit Trust of India came into existence in
(1) 1960 (2) 1962 (3) 1964-Answer (4) 1966 (5) 1968

21. Which of the following is example of financial assets?
(1) National Saving Certificates
(2) Infrastructure Bonds (3) Indira Vikas Patra
(4) Krishi Vikas Patra (5) All of the above-Answer

22. Capital market is a market which deals in
(1) short-term funds (2) long-term funds-Answer (3) gilt-edge securities (4) All of the above (5) None of the above

23. Regional Rural Banks fall within supervisory purview of
(1) SBI (2) RBI -Answer(3) SEBI 4) IRDA (5) None of these

24. IRDA with its headquarters at ……… is the regulatory authority for all insurance companies in India including the Life Insurance Corporation of India.
(1) Hyderabad-Answer (2) Bengaluru (3) Mumbai (4) Delhi (5) Chandigarh


25. Mutual Funds fall within 7 supervisory purview of
(1) SBI (2) RBI (3) SEBI -Answer(4) IRDA (5) None of these

26. Which of the following does not come under the category of Development Banks?
(1) Industrial Development Bank of India
(2) Small Industries Development Bank of India
(3) Industrial Investment Bank of India
(4) State Finance Corporation
(5) Export-import Bank-Answer

27. Main financial instruments of corporate sector are
(1) Shares (ii) Debentures (iii) Public Deposits
(iv) Loan from Institutions
Select the correct answer by using of the following codes
(1) i and ii (2) ii and iii (3) iii and iv (4)1, ii and iv (5) All I, ii, iii and iv-Answer

28. Financial institutions
(1) promote savings (2) mobilise savings (3) allocate savings among different users
(4) All of the above -Answer(5) None of the above

29. Which of the following is not an / example of primary securities?
(1) Bills (2) Bonds (3) Shares (4) Book debts (5) New currency-Answer

30. Indian Financial System / comprises of
(1) Scheduled Commercial Banks
(2) Non-banking Financial Institutions
(3) Urban Cooperative Banks
(4) All of the above
(5) None of the above-Answer

31. The Bombay Stock Exchange was 7 made functional as early as
(1) 1870 -Answer(2) 1901 (3) 1935 (4) 1951 (5) 1949

32. The Unit Trust of India come into existence in
(1) 1964-Answer (2) 1970 (3) 1975 (4) 1980 (5) 1982

33. 19 July 1969, how commercial Banks were nationalised?
(1) 13 (2) 14 -Answer(3) 15 (4) 16 (5) 20


34. New Private Banks are being given licenses since
(1) 1991 (2) 1992 (3) 1993-Answer (4) 1995 (5) 2001

35. The gilt-edged market refers to the market for
(i) Government securities
(ii) Semi-government securities
(iii) Corporate securities
Select the correct answer
(1) only i (2) i and ii -Answer(3) ii and iii (4) i, ii and iii (5) only iii

36. First SHARE MARKET in India established in
(1) Delhi (2) Mumbai-Answer (3) Kolkata (4) Chennai (5) None of these

37. Consider the following statements:
(i) Securities that have an original maturity that is greater than one year are TRADED in capital markets.
(ii) The best known capital market securities are stocks and bonds.
Select the correct answer
(1) (i) is true and (ii) is false (2) (i) is false and (ii) is true (3) Both are true-Answer (4) Both are false (5) None of the above

38. Consider the following statements:
(i) Securities that have an original maturity that is greater than one year are TRADED in money markets.
(ii) The best known money market securities are stocks and bonds.
(1) (i) is true and (ii) is false (2) (i) is false and (ii) is true (3) Both are true (4) Both are false-Answer (5) None of the above

39. The primary issuers of capital market securities include
(1) the Central Government (2) the local Government (3) corporations 4) the Central and Local Governments and corporations-Answer (5) Local Government and corporations

40. Which of the following is a / characteristic of a capital market instrument?
(a) Liquidity (b) Marketability (3) Long maturity (4) Liquidity premium 5) All of the above-Answer

41. Which one of the following is a money market instruments?
(1) A Treasury bill
(2) A negotiable certificate of deposit was
(3) Commercial paper
(4) All of the above -Answer
(5) None of the above

42. T-bills are financial instruments initially sold by ________ to raise funds.
(1) Commercial Banks
(2) the government-Answer
(3) corporations
(4) agencies of the State Government
(5) None of the above

43. Commercial paper is a short-term security issued by ________ to raise funds.
(1) the Reserve Bank of India
(2) Commercial Banks
(3) large and well-known companies-Answer
(4) National Stock Exchange
(5) State and Local Governments

44. Which of the following statements is true regarding a corporate bond?
(1) A corporate callable bond gives the holder the right to exchange it for a specified number of the company’s common shares
(2) A corporate debenture is a secured /‘ bond
(3) A corporate indenture is a secured bond
(4) A corporate convertible bond gives the holder the right to exchange thebond for a specified number of the company’s common shares -Answer
(5) Holders of corporate bonds have voting rights in the company

45. Which one of the following is not a money market instrument?
(1) A Treasury bill (2) A negotiable certificate of deposit (3) Commercial paper (4) Treasury bond-Answer (5) Repo

46. Money lend for 15 days or more in Inter-bank market is called
(1) call money (2) notice mone (3) term money-Answer (4) All of these (5) None of these

47. Money lent for one day is called
(1) call money -Answer(2) notice money (3) term money (4) All of these (5) None of these

48. Specified interest rate on a fixed maturity security fixed at the time of issue is called
(1) market rate of interest (2) call rate (3) repo rate (4) coupon rate -Answer5) discount rate

49. Lending of scheduled Commercial Banks, on a fortnightly average basis, should not exceed — of their capital fund.
(1) 25 per cent -Answer(2) 35 per cent (3) 15 per cent (4) 50 per cent (5) None of these

50. A short-term credit investment created by a non-financial firm and guaranteed by a bank to make payment is called
(1) bankers acceptance market-Answer (2) collateral loan market (3) treasury bill market (4) call money market (5) repo market

51.From the given options A to E , please find out the one which is not an objective of a central Bank of a country?
(A)The central Bank of a country aims at profit-Answer
(B)The central bank is given powers to control and regulate the working of the commercial banks
(C)Central Bank generally is a organ of the government and run by government officials
(D)Central Bank generally controls the credit
(E)Central bank is generally banker of the government

52.From the given options, bring out the one which is not a function / power of Reserve Bank of India:
(A)To assume the responsibility of meeting directly or indirectly all reasonable demands for accommodation
(B)To hold cash reserves of the commercial banks and make available financial accommodation to them
(C)To enjoy monopoly of the note issue
(D)To assume responsibility of all banking operations of the government
(E)To assume the responsibility of statistical analysis of data related to macro economy of India-Answer

53.Many a times we read in the newspapers about margin requirements. From the given options, find out the one which correctly indicates margin requirements:
(A)Margin requirements aim at the regulation of the volume of credit as well as flow of the credit
(B)Margin requirements imply that every bank has to keep certain minimum cash reserves with the reserve bank of India
(C)Margin requirements imply that every bank has to keep certain proportion of its total deposits in the form of cash with it self
(D)Margin requirements imply that RBI has certain rate at which it discounts the bills of exchange of the commercial bank
(E)Margin requirements imply to a cushion against the decline in the value of the security-Answer

54.What will be the impact on the cash reserves of commercial banks if RBI conducts a sale of securities ?
(A)Increase
(B)Decrease-Answer
(C)Remain constant
(D)Increase or decrease
(E)Increase if the securities are sold in open market operations

55.Which among the following is a major qualitative control measure in India ?
(A)Bank Rate Policy
(B)Open market Operations
(C)ways and means advances
(D)Reserve Ratio Requirements
(E)Margin Requirements-Answer

56.Many a times we read in the financial newspapers that Reserve bank of India is "Lender of Last Resort (LOLR) " In India. Which among the following statement gives the most correct definition of "Lender of Last Resort"?
(A)If a person or firm which is eligible to get a loan, does not get it from any commercial bank, may approach to Reserve Bank of India for loan.
(B)If the state governments are in crisis and need money for short term , they can approach RBI for this purpose
(C)If a commercial bank is in crisis, it may place its reasonable demand for accommodation to Reserve Bank of India-Answer
(D)A scheduled commercial bank meets all of its demands in all weathers from Reserve bank of India
(E)Whenever the government declares a debt relief, the RBI will have to bear the brunt of it.

57.(The figures in this questions are imaginary). We suppose that Cash Reserve Ratio in country's economy is 10%. The banking system wish a cash deposits of Rs. 1000 Crore, creates total deposits of Rs. 10,000 Crores. The reserve Bank wishes that bank should create more deposits. Which
among the following step will be taken by the Reserve Bank?
(A)It will lower the Cash Reserve Ratio-Answer
(B)It will raise the Cash Reserve Ratio
(C)It will increase the margin Requirements
(D)It will start selling Government securities
(E)It will start rationing of credit

58.Many a times we read in the newspapers that RBI takes certain steps to curb the menace of Inflation. In this context, which among the following will not help RBI in controlling the inflation in the country?
(A)An increase in the Bank Rate
(B)An increase in the Reserve Ratio Requirements
(C)A purchase of securities in the open market-Answer
(D)Rationing of the credit
(E)Increasing the Repo Rate

59.We suppose that Reserve Bank of India would like to increase the cash Reserves of the commercial Banks. Which among the following would be most appropriate action of the RBI to achieve this aim?
(A)RBI would release GOLD from its reserves
(B)RBI would raise the reserve ratio
(C)RBI would buy the bonds in the open MARKET-Answer
(D)RBI will stop the transactions which involve the bills of exchange
(E)RBI will put more reserves in the International Monetary Fund

60.Which among the following is a incorrect statement:
(A)The Reserve Bank of India has the special powers to control and regulate the commercial banking system
(B)A rise in the bank rate is a strong anti-deflationary monetary tool-Answer
(C)Minimum Reserve Requirements are fixed to ensure the liquidity and solvency of individual commercial banks
(D)Reserve Ratio Requirement is a quicker method than bank rate and OMO (Open Market Operations) in general credit regulations
(E)Rationing of credit is a powerful qualitative monetary tool

61.Since which year, Reserve bank of India is using the Selective Credit Control measures to control the amount of bank advances against the COMMODITIES having limited supply ?
(A)1949
(B)1956-Answer
(C)1969
(D)1973
(E)1982

62.The "Service area Approach" was an strategy launched to improve which of the following?
(A)Micro, Small and medium Enterprising
(B)Unorganized Sector
(C)Rural lending-Answer
(D)Urban Industrial Lending
(E)A & B

63.Which among the following bank / banks in India have set up the FINANCIAL Literacy & Credit Counseling centers ?
(A)RBI
(B)Scheduled Commercial banks-Answer
(C)Foreign Banks working in India
(D)Regional Rural Banks
(E)All of above

64.Which of the following imaginary circumstances, the Reserve bank of India will opt to sell Government securities in the open market?
(A)When the Foreign FUNDS inflow is meek
(B)When there is enormous Foreign FUNDS Inflow in the Indian Economy-Answer
(C)When banks have low liquidity and need liquidity
(D)When Government of India asks the RBI to sell securities
(E)None of the above

65.Which among the following is correct full form of CAS in context with banking markets in India ?
(A)Cash Authorization Scheme
(B)Credit Authorization Scheme-Answer
(C)Credit Access System
(D)Credit Arrangement System
(E)Cash Accreditation Scheme

Contact Details:
Thane Janta Sahakari Bank Ltd
Gala No. 1-3,
Ground Floor,
Nav-Rachana Vidayala
Gangapur Rd
Datey Nagar,
Veer Sawarkar Nagar
Nashik,
Maharashtra 422013
India

Map Location:
[MAP]Thane Janta Sahakari Bank Ltd[/MAP]

I would like to have the TJSB previous year placement paper questions for preparation purpose?

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The TJSB previous year placement paper questions are mentioned below:
Direct

Directions to Solve:
This Exercise Contain Cause and Effect question and answer. In each of the questions there are two statements I and II.

These statements may be either independent causes or may be effects of independent causes or
a common cause. One of these statements may be the effect of the other statements. Read both the statements and
decide which of the following answer choice correctly depicts the relationship between these two statements.So select the
correct answer by clicking on Check your answer.
Give answer:
(A) If statement I is the cause and statement II is its effect.
(B) If statement II is the cause and statement I is its effect.
(C) If both the statements I and II are independent causes.
(D) If both the statements I and II are effects of independent causes.
(E) If both the statements I and II are effects of some common cause


1.Statements:
I. A huge truck overturned on the middle of the road last night.
II. The police had cordoned of entire area in the locality this morning for half of the day.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.


2.Statements:
I. Rural and semi-urban areas in the country have been suffering due to loadshedding for quite some time.
II. If the Government is not able to overcome the power crisis, load-shedding will be extended even to the urban areas.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.

3.Statements:
I. The Reserve Bank of India has recently put restrictions on few small banks in the country.
II.The small banks in the private and co-operative sector in India are not in a position to withstand the competitions of the bigger banks in the public sector.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.

4. Statements:
I. The university authority has instructed all the colleges under its jurisdiction to ban use of cell phones inside the college premises.
II. Majority of the teachers of the college signed a joint petition to the university complaining the disturbances caused by cell phone ring tones inside the
classrooms.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.
Answer & Explanation

5.Statements:
I. The Government has reduced the prices of petroleum products by five percent a week after increasing the prices by ten percent.
II. The rate of inflation dropped marginally during the last week.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.

6.Statements:
I. The car manufacturing companies have recently increased the prices of midsized cars.
II. The Government recently increased the duty on mid-sized cars.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.

7. Statements:
I. Importance of Yoga and exercise is being realized by all sections of the society.
II. There is an increasing awareness about health in the society particularly among middle ages group of people.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.

DETAILS CATEGORY:
EXERCISE 2 PUBLISHED ON 23 DECEMBER 2012 WRITTEN BY ADMIN HITS: 30



8. Statements:
I. The farmers have decided against selling their Kharif crops to the Government agencies.
II. The Government has reduced the procurement price of Kharif crops starting from the last month to the next six months.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.


9. Statements:
I. Many people in the area are reported to be suffering from Malaria.
II. Private Medical Practitioners in the area have decided to close their clinics for few days.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.


10. Statements:
I. There was a huge rush of people to the temple last Sunday the 15th of the month.
II. The temple authority had decided to close down the temple for repairs from 17th of the month.
A. Statement I is the cause and statement II is its effect.
B. Statement II is the cause and statement I is its effect.
C. Both the statements I and II are independent causes.
D. Both the statements I and II are effects of independent causes.
E. Both the statements I and II are effects of some common cause.