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Question Bank - Multiple Choice Questions (Mcqs) DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) Question Bank - Multiple Choice Questions (MCQs) Unit 1: Indian Banking System 1) ____________ allocates saving efficiently in an economy to ultimate users either for investment in real assets or for consumption. a) Economic system b) Banking system c) Financial system d) Market system 2) Which of the following is not a regulatory institution in Indian financial system? a) RBI b) CIBIL c) SEBI d) IRDA 3) _____________ is regarded as a queen of Indian financial system. a) SEBI b) RBI c) Finance Ministry d) BSE 4) National Housing bank is a fully owned subsidiary of___________. a) HDFC b) HSBC c) RBI d) HUDCO 5) Financial institutions are also known as ______________. a) Financial organization b) Financial intermediaries c) Financial system d) Any of the above 6) ____________is the first development financial institution in India. a) IDBI b) ICICI c) IFCI d) RBI PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) 7) IDBI was established in ____________. a) 1948 b) 1954 c) 1992 d) 1964 8) ______________is an apex institution to coordinate, supplement and integrate the activities of all existing specialized financial institutions. a) IFCI b) IDBI c) RBI d) SEBI 9) Which of the following is not an asset held by Commercial Banks? a) Bills of Exchange b) Current Account Deposits c) Money Lent at short Notice d) Credit Balances with the Reserve Bank 10) Which of the following combinations is correct? a) NABARD--------Industrial Loan b) RBI---------------Long term Finance c) RRB---------------Agriculture Finance d) IDBI---------------Short Term Loans 11) Which of the following is not an organized sector in India? a) Nationalized Banks b) Regional Rural Banks c) Cooperative Banks d) Chits and Money lenders 12) In which year was the Banking Regulation Act passed? a) 1949 b) 1955 c) 1959 d) 1969 13) When did the National Bank of Agriculture and Rural Development establish? a) July, 1982 b) July, 1969 c) June, 1951 d) June, 1961 PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) 14) Which of the following is the apex institution which handles refinance for agriculture and rural development in India? a) RBI b) SIDBI c) NABARD d) RBI 15) At which of the following cities is the Head Office of Reserve Bank of India located? a) Mumbai b) New Delhi c) Kolkata d) Dehradun 16) “Scheduled bank” in India means a bank _____. a) Incorporated under the Companies Act, 1956 b) Authorized to the Banking business c) Governed by the Banking Regulation Act, 1949 d) Included in the Second schedule to the Reserve Bank of India Act 1934 17) Which is the largest commercial bank in India? a) Bank of India b) Axis Bank c) State Bank of India d) HDFC 18) Co-operative Societies Act was enacted in which year? a) 1912 b) 1949 c) 1935 d) 1913 19) With whom does the ownership of Public sector banks rest? a) Government of India b) Jointly with Government of India and share-holders from the public c) Jointly with Government of India and State Bank of India d) Jointly with Government of India and Reserve Bank of India 20) In which year was the Bank of Maharashtra established? a) 1937 PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) b) 1935 c) 1934 d) 1949 21) Urban Cooperative Banks are also called as? a) Short-term co-operatives b) Secondary Cooperative Banks c) Primary Cooperative Banks d) Long-term co-operatives 22) What is the full-form of NBFC? a) Non-Bank Financial Competition b) Non-Bank Foreign Company c) Non-Banking Financial Company d) Non-Banking Finance Corporation 23) Who insures banks in India? a) IRDA b) EXIM c) DICGC d) ECGC 24) How many developments banks are there in India? a) 5 b) 6 c) 7 d) 8 25) Which is the largest commercial bank in India? a) Bank of India b) Axis Bank c) State Bank of India d) HDFC 26) In which schedule are the scheduled banks of India listed in the RBI Act, 1934? a) 1st b) 2nd c) 3rd d) 4th 27) What is the main business of commercial banks? a) Lending and deposits from public PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) b) Lending and deposits from cooperation c) Both a and b d) None 28) Which of these banks are not-for-profit banks owned by the depositor? a) Cooperative Banks b) Merchant Banks c) Land Banks d) None of the above 29) Which bank is known as banker’s bank? a) RBI b) SBI c) PNB d) NABARD 30) NBFI s refers to ………. a) Non-Banking Financial Industries b) Non-Banking Financial Institution c) Net Banking Financial Industries d) Net Banking Financial Institutions 31) DIGC refers to ………….. a) Deposit Industrial Guarantee Corporation b) Development Insurance Guarantee Corporation c) Development Industrial Guarantee Corporation d) Deposit Insurance Guarantee Corporation 32) RBI ACT was comes in to existence…… a) 1934 b) 1935 c) 1948 d) 1945 33) When a deposit of money is received by the banker, the banker becomes the …………? a) Creditor b) Debtor c) Receiver d) Customer 34) When a deposit of money is received by the banker, the customer becomes the …………..? a) Debtor b) Creditor PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) c) Customer d) Lender 35) Which bank is called lender of last resort? a) Commercial bank b) Agricultural bank c) Industrial bank d) Central bank 36) Which bank enjoys monopoly power of Note issue? a) NABARD b) Commercial Bank c) Central Bank d) None of these 37) Which is considered as the mother of all Central Banks? a) Bank of England b) Risks Bank of Sweden c) Federal Reserve Bank d) Reserve Bank of India 38) At which of the following cities is the Head Office of Reserve Bank of India located? a) Mumbai b) New Delhi c) Kolkata d) Dehradun 39) Regional Rural Banks were established in the year – a) 1969 b) 1972 c) 1973 d) 1975 40) What is the present number of Local Area Banks in India? a) 3 b) 4 c) 5 d) 6 41) Which of the following apex bodies regulates the RRBs? a) RBI b) NABARD c) SIDBI PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) d) State Government 42) “Scheduled bank” in India means a bank _____. a) Incorporated under the Companies Act, 1956 b) Authorized to the Banking business c) Governed by the Banking Regulation Act, 1949 d) Included in the Second schedule to the Reserve Bank of India Act 1934 43) Which of the following is true about non-scheduled banks in India? i. A non-scheduled bank does not have to maintain CRR with the RBI. ii. Also it cannot lend money from RBI under LAF. iii. The banks named under third schedule of RBI Act 1934, are non-scheduled banks. a) Only i and iii are true b) Only ii and iii are true c) Only I and ii are true d) All are true 44) Which is the first Regional Rural Bank in India? a) Saurashtra Gramin Bank b) Prathama Grameen Bank c) Pallavan Grama Bank d) Saptagiri Grameena Bank 45) Headquarters of National Housing Bank is located at: a) Hyderabad b) Lucknow c) Mumbai d) New Delhi 46) SlDBI was set up in ___ as a wholly owned subsidiary of a) 1985 – EXlM b) 1969 – RRB c) 1975 – IFCI d) 1990 –lDBI 47) Which of the following is not a function of a Bank? a) To accept deposits b) To waive loans c) To grant advances d) To supply input to farmers PROF. KAVITA PAREEK www.dacc.edu.in DNYANSAGAR ARTS AND COMMERCE COLLEGE, BALEWADI, PUNE – 45 Subject: Banking and Finance I (236 B) CLASS: SYB.Com (Sem – III) (2019 PATTERN) 48) "Repo Rate" refers to the rate at which a) RBI borrows short term money from the markets b) Banks keeps the money with RBI c) Bills are discounted by RBI d) Forex purchased by RBI 49) In India the Commercial Banks are given licence of operation by a) The Govt. of India b) The Ministry of Finance c) Reserve Bank of India d) Banking Companies Regulation Act, 1949 50) The first Development Bank IFCI was established in a) 1948 b) 1947 c) 1949 d) 1950 Answer Key: 1 - c 2 - b 3 - b 4 - c 5 –b 6 - c 7 -d 8 - b 9 - b 10 - c 11 - d 12 - a 13 - a 14 -c 15 –a 16 - d 17 - c 18 - a 19 - a 20 -b 21 - c 22 - c 23 - c 24 - b 25 –c 26 - b 27 - c 28 - a 29 - a 30 - b 31 - d 32 - a 33 - b 34 - b 35 –d 36 - c 37 - a 38 - a 39 - d 40 - b 41 - b 42 - d 43 - a 44 - b 45 –d 46 - d 47 - d 48 - c 49 - d 50 - a PROF.
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