Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018
Questions shown in
Red Colour are printed in Andhra Jyothi
on different dates
I)
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Q.No.21 (Questions
shown in
Blue Colour are given in UPSC Civils Prelims Exam 3.6.2018)
21. Which
one of the following best describes the term "Merchant Discount Rate"
sometimes seen in news ?
(a) The
incentive given by a bank to a merchant for accepting payments through debit
cards pertaining to that bank.
( b) The amount paid back by banks to their customers when they use debit cards for financial transactions for purchasing goods or services.
(c) The charge to a merchant by a bank for accepting payments from his customers through the bank's debit cards.
(d) The incentive given by the Government, to merchants for promoting digital payments by their customers through Point of Sale (PoS) machines and debit cards.
( b) The amount paid back by banks to their customers when they use debit cards for financial transactions for purchasing goods or services.
(c) The charge to a merchant by a bank for accepting payments from his customers through the bank's debit cards.
(d) The incentive given by the Government, to merchants for promoting digital payments by their customers through Point of Sale (PoS) machines and debit cards.
Answer.c
Questions shown in
Red Colour are printed in Andhra Jyothi
on Q.No.4 & 23 dt. 22.12.2017
4)
what is Merchant Discount Rate (MDR) for debit card transactions (as a %
of transaction value) (January 1, 2018) QR code-based
card acceptance infrastructure for Small merchants
(with turnover upto Rs. 20 lakh during the previous financial year)?
(with turnover upto Rs. 20 lakh during the previous financial year)?
a)
Not exceeding 0.30%
b) 5%
c) 6%
d) 7%
e) 4%
Ans : a
23) The Union Cabinet chaired by Prime Minister Shri Narendra Modi has
approved that the Merchant Discount Rate (MDR) applicable on all debit
card/BHIM UPI/ Aadhaar enabled Payment System (AePS) transactions upto and
including a value of Rs. 2000 will be borne by the Government for a period of
how many years of with effect from 1st January, 2018 by reimbursing the same to
the banks ?
a) two years
b) one year
c) 5 years
d) 6 years
e) None of
these
Ans : a
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II)
Q.No.24 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
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24. Consider
the following statements
1. The
Fiscal Responsibility and Budget Management ( FRBM) Review Committee Report has
recommended a debt to GDP ratio of 60% for the general (combined) government by
2023, comprising 40% for the Central Government and 20% for the State
Governments.
2. The Central Government has domestic liabilities of 21% of GDP as compared to that of war of GDP of the State 2 Governments.
3. As per the Constitution of India, it is mandatory for a State to take the Central Government’s consent for raising any loan if the former owes any outstanding liabilities to the latter.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 and 3 only
(c) 1 and 3 only
(d) 1, 2 and 3
2. The Central Government has domestic liabilities of 21% of GDP as compared to that of war of GDP of the State 2 Governments.
3. As per the Constitution of India, it is mandatory for a State to take the Central Government’s consent for raising any loan if the former owes any outstanding liabilities to the latter.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 and 3 only
(c) 1 and 3 only
(d) 1, 2 and 3
Answer.c
Q.No.29 dt.
18.8.2017 (Questions upto 26 only printed. But e-mail sent on 15.8.2017 )
29) Who is the head of the FRBM Committee ?
a) NK Singh
b)
Kasturirangan
c)
C.Rangarajan
d) Sri Krishna
e) None of
these
Ans: a
III)
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Q.No.27 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
27. Consider
the following statements :
1. Aadhaar
card can be used as a proof of citizenship or domicile.
2. Once issued, Aadhaar number cannot be deactivated or omitted by the Issuing Authority.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
2. Once issued, Aadhaar number cannot be deactivated or omitted by the Issuing Authority.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer.d
Questions shown in
Red Colour are printed in Andhra Jyothi
on date dt.
26.9.2017
26) Who are
entitled to get the UID Numbers?
a) all residents of India who satisfy the
verification process that is in place.
b)only
foreigners
c) only NRIs
d) only PIOs
e) None of
these
Ans : a
27) What is
the information that the UIDAI seeks from the resident?
a) Name, Date
of Birth, Gender, Address of the resident, Photograph, all ten fingerprints and
both iris scan is required.
b) In case of
minors (children less than 5 years age), the name of the Mother/
Father/Guardian is also required
c) Bank
account number
d) Both (a)
& (b)
e) None of
these
Ans : d
IV)
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Q.No.30 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
30. Which
one of the following links all the ATMs in India ?
(a) Indian
banks' Association
(b) National Securities Depository Limited
(c) National Payments Corporation of India
(d) Reserve Bank of India
(b) National Securities Depository Limited
(c) National Payments Corporation of India
(d) Reserve Bank of India
Answer.c
Questions shown in
Red Colour are printed in Andhra Jyothi
on dates dt.26.1.2018
27) Which of the following can
be called as ‘Processing Agency ‘ in the
ecosystem of digitalization ?
a) NPCI, Mumbai
b) IDRBT , Hyderabad
c) Both (a) & (b)
d) Co-operative Banks
e) SIDBI
Ans : c
V)
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Q.No.41 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
41. Consider
the following statements:
1. The
Reserve Bank of India manages and services Government of India Securities but
not any State Government Securities.
2. Treasury bills are issued by the Government of India and there are no treasury bills issued by the State Governments.
3. Treasury bills offer are issued at a discount from the par value. Which of the statements given above is/are correct?
(a) 1 and 2 only
(b) 3 Only
(c) 2 and 3 only
(d) 1, 2 and 3
2. Treasury bills are issued by the Government of India and there are no treasury bills issued by the State Governments.
3. Treasury bills offer are issued at a discount from the par value. Which of the statements given above is/are correct?
(a) 1 and 2 only
(b) 3 Only
(c) 2 and 3 only
(d) 1, 2 and 3
Answer.c
Questions shown in
Red Colour are printed in Andhra Jyothi
on dates dt.15.12.2017 (partly appeared)
4) The spreads
on state development loans (SDLs) that come in the form of market bond
issuances measure the premia of states’ loans over central government
securities and could be affected by which of the following ?
a) SDLs being
sub-sovereign securities
b) lack of
liquidity in the secondary market for SDLs
c) differing
fiscal parameters of state governments
d) All the above
e) None of these
Ans:d
VI)
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Q.No.61 (Questions shown in
Blue Colour are given in UPSC Civils Prelims Exam 3.6.2018)
61. Consider
the following statements:
1. Capital
Adequacy Ratio (CAR) is the amount that banks have to maintain in the form of
their own funds to offset any loss that banks incur if the account-holders fail
to repay dues.
2. CAR is decided by each individual bank.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
2. CAR is decided by each individual bank.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer.a
Q.No. 32 dt.
24.2.2018
32) The Finance Ministry has
approved a proposal for infusion of Rs.75.77 bn in six weak public sector banks (PSBs) as part of the
__________________ .
a) RDs
b) recapitalization plan to
bolster capital adequate ratio ( CAR)
c) FDs
d) Sukanya Samruddhi
Yojana accounts
e) None of these
Ans : b
VII)
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Q.No. 73 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
73. With
reference to digital payments, consider the following statements:
1. BHIM app
allows the user to transfer money to anyone with a UPI-enabled bank
account.
2. While a chip-pin debit card has four factors of authentication, BHIM app has only two factors of authentication.
Which of the statements given above is/are correct?
2. While a chip-pin debit card has four factors of authentication, BHIM app has only two factors of authentication.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer.a
Questions shown in
Red Colour are printed in Andhra
Jyothi on dt. 10.11.2017
9) Which of
the following are the advantages in UPI?
a)The user
may add all his/her Bank accounts under
one App and transact from/to any of those accounts.
b) UPI rides
on IMPS channel which is available 24*7*365 and ensures instant credit.
c) UPI
supports all latest Android Phones
d) any Bank
Customer may download and use the UPI Application of any Bank enabled for it
e) All the
above
Ans : e
VIII)
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Q.No. 76 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
76. Consider
the following events:
1. The first
democratically elected communist party government formed in a State in
India.
2. India's then largest bank, 'Imperial Bank of India', was renamed 'State Bank of India'.
3. Air India was nationalised and became the national carrier.
4. Goa became a part of independent India.
2. India's then largest bank, 'Imperial Bank of India', was renamed 'State Bank of India'.
3. Air India was nationalised and became the national carrier.
4. Goa became a part of independent India.
Which of the
following is the correct chronological sequence of the above events?
(a) 4 - 1 - 2 - 3
(b) 3 - 2 - 1 - 4
(c) 4 - 2 - 1 - 3
(d) 3 - 1 -2 -4
(a) 4 - 1 - 2 - 3
(b) 3 - 2 - 1 - 4
(c) 4 - 2 - 1 - 3
(d) 3 - 1 -2 -4
Answer.b
Questions shown in
Red Colour are printed in Andhra Jyothi
on dates
Q.No. 26 dt.
11.5.2018
26) SBI is largest
commercial bank in India in terms of assets, deposits, branches, profits,
customers and employees. It traces its ancestry to British India, , to the
founding, in 1806, making it oldest commercial bank in Indian
subcontinent.Which of the following is the old name of SBI ?
a) Imperial Bank of India
b) IOB
c) Indian
Bank
d) Laxmi
Vilas Bank
e) None of
these
Ans : a
IX)
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Q.No. 81 (Questions shown
in Blue Colour are given in UPSC
Civils Prelims Exam 3.6.2018 )
81. With
reference to the governance of public sector banking in India, consider the
following statements
1. Capital
infusion into public sector banks by the Government of India has steadily
increased in the last decade.
2. To put the public sector banks in order, the merger of associate banks with the parent State Bank of India has been affected.
Which of the statements given above is/are correct ?
(a) 1 only
b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
2. To put the public sector banks in order, the merger of associate banks with the parent State Bank of India has been affected.
Which of the statements given above is/are correct ?
(a) 1 only
b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer.c
Questions shown in
Red Colour are printed in Andhra Jyothi
on date :
Q.No. 1 to 3 , 10
& 11 dt. 8.12.17
10) Recenlty Central Government has released the
much-required equity capital for which PSBs?
a) BOI : Rs.2,257 Cr
b) BoM : Rs.650 Cr
c) DB: Rs.243 Cr.
d) IDBI Bank: Rs.2729 Cr
e) All the above
Ans:e
11) Banks are mandated to
maintain how much Capital Adequacy Ratio (CAR) (plus a capital conservation
buffer 2.5 % ) ?
a) 9%
b) 5%
c) 4%
d) 3%
e) 2 %
Ans:a
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