YONO Features On YONO app and portal, what is the maximum amount for a Tax Saver fixed deposit? a) INR 1,00,000 lakhs in a financial year b) INR 1,50,000 lakhs in a financial year c) INR 150000 and INR 200,000 for senior citizens d) INR 150000 and INR 500,000 for senior citizens On YONO app and portal, which detail of the My Dream I cannot view? a) Dream Name b) Dream Period c) Dream amount d) Dream Image if not uploaded On YONO app and portal, while funding the dream, where can I check the interest rate offered by bank? a) Rate of interest offered on your dream on the review page b) There is no option to view rate of interest c) There is an option to view rate of interest through info.sbi in YONO d) There is an option to view rate of interest through bank.sbi in YONO Mr. X opened e-STDR in YONO portal. Now he wants to close fixed deposit. Can he close it prematurely? a) It cannot be closed b) It can be closed by himself c) He has to request any Branch to close d) Home branch only to close On YONO app and portal, what is tenure applicable to Tax Saver fixed deposit? a) 3 years to 5 years b) 5 years to 7 years c) 5 years to 10 years d) More than 10 years What is Spend Analyzer in YONO? a) Analysis and graphical representation of spending pattern of the customers in an account for a particular period. b) Analysis and graphical representation of spending pattern of the customers in Credit Card for a particular period. c) This can help customer in understanding spending behavior, better financial planning and budgeting. d) A and C

What is the minimum amount in a month I can save under My Dream? a) INR 10 b) INR 100 c) INR 1000 d) INR 10000 Mr. X having Digital Savings Account opened through YONO App/Portal. What is the maximum amount of deposit Mr. X can make? a) 100000 b) 1000000 per transaction c) 1000000 per day d) Unlimited Mr. Rohan a new to bank customer has read about SBI YONO. He is interested to know some more details about SBI YONO. He is seeking following information on YONO from Mr. Rakesh Associate in the bank. Q-What would be the minimum data speed required on mobile phone fo accessing YONO app? a. b. c. d.

256 KBPS 512 KBPS 1 MBPS 2 MBPS

Q-Rohan wants to open Digital SB through YONO. Which of the following is not mandatory for this purpose? a. b. c. d.

He should be literate Age should be 18 years and above He should have mobile number He should have email address

Q-Rohan has an android phone whose version is 4.4 whether he can install YONO on his mobile? a. Yes, it can be installed on any smart phone b. Yes, it can be installed on any phone c. No, Maximum operating system requirement in case of android phone is version 5.0 above d. No, Maximum operating system requirement in case of android phone is version 7.0 above Q-Rohan wants to open an account jointly with his wife through YONO. Whether he is permitted to do so? a. Yes, he can open joint account with his wife with mandate as anyone or survivor.

b. Yes, he can open joint account with his wife with mandate as either-or survivor. c. Yes, he can open joint account with his wife with mandate as former or survivor. d. No, joint account cannot be opened through YONO. YONO application is available on both mobile and web portal. What is the URL to access the YONO through web portal? a. b. c. d.

www.yonosbi.in www.yono.com www.yonosbi.com www.sbiyono.sbi

What is the minimum capability requirement in CBS for a maker in YONO branch interface to do customer registration? a. b. c. d.

1 and above 2 and above 3 and above 5 and above

Mr. Sunil is maintaining his saving bank account with Tezpur branch. He is also using YONO application for his banking services. He has recently done one interbank fund transfer transaction through YONO. His account with SBI is debited but the beneficiary account with another bank is not credited. Mr. Sunil visited the branch and seeking information from Mr. Vinay, Associate about this disputed transaction. The new initiative that is developed in YONO to support the customer through chat bot application? a. b. c. d.

SIRI AI SIA No such support

Which of the following is dedicated email support on YONO? a. b. c. d.

[email protected] [email protected] [email protected] [email protected]

Using which of the following options in YONO, he can track the status of a compliant? a. b. c. d.

Accounts YONO Pay Service request Get in touch

Which of the following is YONO customer care contact number?

a. b. c. d.

1800 111 101 1800 113 211 1800 114 211 1800 425 3600

Using which of the following options in YONO he can raise a complaint? a. b. c. d.

Accounts YONO Pay Service request Get in touch

Mr. Punit is maintaining a CSP account with Kamla Nagar branch. He is a software engineer and using our YONO app. Extensively for all his banking needs for one year. He is very busy with his work and rarely visit the branch for his banking needs. Six months back, he opened one eSTDR through YONO. Now he wants to close this STDR prematurely due to emergency. He is unable to close the same as the deposit is opened under Tax saving scheme by mistake. Smt. Priya Senior Associate is guiding Mr. Punit regarding Tax saving Deposit account. What is the maximum amount that can be deposited in Tax Saver Fixed Deposit on YONO? a. b. c. d.

Rs.100000 Rs.125000 No Such limit Rs.150000

What is the maximum period for which Tax saving Deposit can be made? a. b. c. d.

3 years 5 years 10 years 2 years

What is the minimum lock in period under Tax Saving Deposit up to which the deposit cannot be closed? a. b. c. d.

3 years 5 years 1 years 2 years

Which of the following is mandatory for opening of Tax Saver Fixed Deposit in YONO? a. b. c. d.

PAN in CIF NO Such mandatory requirement E-mail id in CIF Age of the customer should be less than 60

What is the advice that you can give to Mr. Punit in this situation?

a. The account can be closed in the branch after obtaining the request from the customer. b. We can sanction a loan against the deposit in the branch c. He has to wait till the lock in period is completed. d. Any one of the above. YONO PAPL

Pre-approved Personal Loan does not include the following loan: a) Xpress Credit Loan b) Pension Loan c) Deposit Loan d) Top Up Xpress Credit Loan

The eligible customers under PAPL scheme have to do the following to avail the loan: a) Approach their Home Branch and execute the documents b) Approach any branch and execute the documents c) By clicking the required responses, the loan account is instantaneously created without any paperwork d) All the above are correct options The eligible customers under PAPL are intimated through a) SMS b) e-mail c) Push intimation through YONO app d) All the above are correct options How the eligibility of the customers is assessed under PAPL? a) Branch staff scrutinize the income documents and recommend b) Staff have to apply online and CPCs will assess the eligibility c) The eligible customers are pre-selected by analytic engine d) None of the above options is correct If any customer is eligible for two loan products i.e. Xpress Credit and PAPL what will be the process? a) Customer can avail both the loans simultaneously b) Customer can avail only one loan, which loan limit is lower c) Customer can avail only one loan, which loan limit is higher d) Both the loans will be cancelled

The loan account under PAXC will be opened automatically by the system under which branch? a) Customer’s Home Branch where the CIF is maintained b) Any branch as per customer’s choice c) Branch in which the salary/income account is maintained d) None of the options is correct Can a customer avail a second PAPX? a) Yes, if the EMI/NMI criteria permits b) No. At any given point of time only one PAPX loan can be availed c) Existing PAPX account is closed automatically and New loan is provided d) None of the options is correct

How Long the offer of PAXC is available for the customer? a) Customer has to avail within 15 days from the notification b) Customer has to avail within 30 days c) Customer has to avail PAXC within the calendar quarter in which the offer is made d) Customer has to avail PAXC with the following calendar quarter in which the offer is made. On YONO App/Portal, what is the maximum amount offered under PAPL for PreApproved Personal Loan a) Rs.25000/b) Rs.50000/c) Rs.100000/d) Rs.200000/What are eligibility conditions for PAPL facility in YONO? a) Account should be opened with a CSP product code. (For e.g. CSP/ DSP/ PMSP/ SGSP etc.) b) Credit History cut-off score of 700 for non-CSP customers. c) Account should be in single name (Joint Accounts not eligible). Residential Status of the Customer should be “Resident Indian.” d) All above options.

On YONO App/Portal for Pre-Approved Personal Loan, do I have to visit the Branch for applying the loan. a) Single Visit Required. b) Two times requires for documentation and disbursement. c) Whenever requires for application, documentation and disbursement. d) No visit is required; this loan is made available to you through YONO

Insta Pension Loan is a new product under Pension Loan in YONO platform. Which among the following is incorrect? a). Minimum existing Pension Loan Limit of Rs 1 lac b) Minimum residual maturity of Pension Loan - 1 year c) Satisfactory repayment record for the last 1 year d) Maximum loan limit is 2,50,000/Validity of Insta Pension Loan is a) Within calendar quarter from the offer b) After the calendar quarter from the offer c) Within one month from the offer d) Within two months from the offer.

Which among the following is incorrect, Under Insta Pension Loan in YONO platform? a). 20% of existing Pension limit minimum b) Minimum ₹.20,000/c) Maximum ₹.2,80,000/d) Maximum repayment possible is for 48 months. Noel is maintaining his saving bank account with Austin branch. He is also using YONO application for his banking services. One of his friend Mr. Antony, who is also a customer of SBI has availed a loan of Rs.1,20,000.00 through YONO app without any visit to the branch. Mr. Noel wants to know why this facility is not provided to him. Mr. Varun, associate in the branch is guiding Mr. Noel about this product How long the offer of PAPL is available for the customer? a) Customer has to avail within 15 days from the notification. b) Customer has to avail within 30 days c) Customer has to avail PAPL within the calendar quarter in which the offer is made. d) Customer has to avail PAPL within the following calendar quarter in which the offer is made. Which of the following statements is not correct about eligibility conditions for PAPL facility in YONO? a) b) c) d)

Account should be opened with CSP product code CIF should have PAN Account should be in single name. Customer should be resident Indian

How the eligibility of the customers is assessed under PAPL? a) Branch to scrutinize the income documents and recommend b) Staff have to apply online and CPCs will assess the eligibility c) The eligible customers are pre-selected by analytic engine d) customer has to apply through online and CPC will assess the eligibility. Which of the following statement is not correct about eligibility conditions for PAPL facility in YONO? a. Account should be opened with CSP products b. CIF should have PAN c. Account should be in single name d. Customer should be resident Indian. If customer is eligible for two loan products i.e. Pre-approved personal loan PAPL and Pre-approved Xpress credit PAXC. What will be the process? a) Both the loans are offered to customer. Customer can avail both the loans simultaneously. b) Only one loan, with higher loan limit will be offered. c) Both the loans are offered to the customer. Customer can avail any one as per choice. d) Only one loan with lower rate of interest will be offered. Mr. Deva is salaried employee in a private organization and is maintain his saving bank account with Vidya Nagar branch. He is Tech Savvy and rarely visit the branch for his banking services. Recently, he got his account transferred to Sandhya Nagar branch through YONO but the CIF is still at Vidya Nagar Branch. Four months back he had availed a PAPL loan for Rs.1,50,000 the loan installment has not been repaid because of insufficient funds in his saving bank account. Badri, an Associate in Vidya Nagar branch has following queries for his branch manager to answer. What should be the minimum CIBIL score required for non-CSP customer to be eligible for PAPL? a. 700 b. 750 c. 800 d. 850 The loan account under PAPL will be opened automatically by the system under which branch? a. Customer’s home branch where the CIF is maintained. b. Any branch as per customer’s choice c. Branch in which the saving account is maintained. d. None of the options is correct. Which of the following document customer need to upload while availing PAPL in YONO? a. KYC documents b. Income proof

c. Photograph d. No need to upload any document. Post disbursement and follow-up activity for irregularities in loan account will be done by …….? a. Analytical department at Corporate Centre b. LHO c. Home branch where CIF is maintained. d. Home branch where SB account is maintained. Which branch office will do the post disbursement and follow-up activity for this irregular PAPL account? a. Vidya Nagar Branch b. Sandhya Nagar Branch c. RACPC d. Both Vidya Nagar And Sandhya Nagar Syam is maintaining his saving bank account with Ramapur branch. He is also using YONO application for his banking services. One of his friend Mr. Madhu, who is also a customer of SBI has availed a loan of Rs.1,20,000.00 through YONO app without any visit to the branch. Mr. Syam wants to know why this facility is not provided to him. Mr. Pavan associate in the branch is guiding Mr. Syam about this product. What is the maximum period of loan for which PAPL is sanctioned? a. b. c. d.

6 months 12 moths 24 months 26 months

What is the minimum loan amount of PAPL in YONO? a. b. c. d.

No Minimum Rs.20000 Rs.25000 Rs.30000

Mr. Syam wants to know about his eligibility for the above loan? a. He can send an SMS “PAPL XXXX” to 567676 where XXXX is last four digits of his debit card to know his eligibility. b. He can send an SMS “PAPL XXXX” to 567676 where XXXX is last four digits of his SB account number to know his eligibility. c. He can send an SMS “PAPL XXXX” to 567676 where XXXX is last four digits of his CIF number to know his eligibility. d. Any of the above. Which of the following is not mandatory to be eligible for PAPL through YONO? a. Account should be KYC compliant. b. PAN is compulsory

c. The SB account should have at least one credit every month. d. Customer must be CSP account holder. Which of the following is not mode of intimation to eligible customers under PAPL? a. b. c. d.

SMS E-Mail Push intimation through YONO app. Intimation by PBBU department through a letter to customer.

Mr. Vinod is retired employee of State Government. He is maintaining his pension account with Purandar branch. He is in very urgent need of money for some medical expenses. He has approached the bank for assistance. He has not availed any loan from the bank so far. He heard about the pre-approved pension loan through YONO and has following queries to Smt. Lavanya, Senior Associate in the branch. What is the maximum period of loan for which pre-approved pension loan is sanctioned.? a. b. c. d.

60 months 12 months 24 months 36 months

What is the maximum age before which the pre-approved pension loan (PAPNL) has to be completely repaid? a. b. c. d.

70 years 75 years 68 years 72 years

Which of the following is not correct about maximum loan limit under pre-approved pension loan through YONO? a. b. c. d.

Restricted to 18 times net monthly pension. Subject to EMI/NMP ≤ 50% Maximum limit is capped at Rs.300000 Maximum limit is capped at Rs.250000

What is the maximum age up to which customer is eligible for Pre-approved pension loan (PAPNL)? a. b. c. d.

Age should be less than 66 years Age should be less than 65 years Age should be less than 68 years Age should be less than 72 years

What is the minimum loan amount under Pre-approved pension Loan (PAPNL)? a. 10000 b. 15000

c. 25000 d. 20000

Financial Super Store FSS Online Market Place OMP Which of the following term is not relating to OMP? a) Shop b) Book and Order c) Shop and Order. d) Financial Super Store. Which of the following is not an advantage of OMP? a) Online store for customers to fulfil their daily and lifestyle needs. b) Both B2C and B2B Marketplace. c) Tools for Marketing and special offers management. d) Online Financial Solution What is OMP Online Marketplace in YONO? a) OMP is a platform where one can access the world of online products anywhere, anytime. b) The user can browse a large range of products and services offered by various eCommerce partners, avail exclusive discounts and offers across categories and avail financing facility from SBI. c) Customers can login with their Internet Banking credentials on the YONO app / portal and access the 'Shop' & 'Book and Order' sections of OMP. d) All the above.

The payment options available for the customer to pay for the booking IRCTC tickets through YONO are………. a) Direct account debit b) SBI Debit card c) SBI Credit card d) All channels mentioned in other options Which of the following statement is not correct regarding TRAIN TICKET BOOKING FEATURE integration of IRCTC to provide…? a) Customers visiting ‘Train Booking’ under Book and Order’ section b) Customers can also cancel tickets and file TDR for tickets through YONO c) Customers will not be charged for convenience fee d) Seat Availability will be displayed upfront for top three trains for the chosen class by default in YONO

Which of the following facility not available in IRCTC booking in YONO? a) Book train tickets b) Book Tatkal Tickets c) File TDR d) All the options are available Sompur branch is a semi-urban branch in a taluk headquarter. It is an agency branch and also has currency chest. Though the branch is adequate steps to migrate the customers to any time channel, still branch is witnessing heavy crowd every day. Mr. Sampu has recently joined as Junior Associate in the branch. He has been assigned the job of onboarding the customer to any time channel. Mr. Farooq, who has long relationship with the branch has come to Mr. Sampu to close his Personal loan account. Mr. Farooq has already availed ATM card and INB facility from the bank and is extensively using these facilities. If you were in place of Mr. Sampu how will you explain the additional services that are available in YONO to Mr. Farooq?

Which of the following statement is not correct about Train Ticket Booking feature in YONO? a) Customers can visit train ticket booking under Shop and Order’ section b) Customers can cancel the tickets and file TDR for tickets. c) No convenience fee is charged to customer for ticket booking d) Customer can view the booking history.

Which of the following options is not correct about Online Market place (OMP) in YONO? a) It is a platform where one can access the world of online products and services anywhere, anytime. b) Customers can login to YONO and access the 'Shop' and Order' sections of OMP. c) Customer can avail exclusive discounts and offers on various products and services. d) Customer can avail other financial products like credit card, insurance etc. from Shop and order section. Which of the following options is not correct about Financial Super Store in YONO? a. The Section is intended to make available financial products of SBI JV Partners. b. Customer one view thereby positioning the bank as one stop solution for all customer need. c. Provides opportunities to the bank to cross sell and upsell. d. Customer can buy only products of Flipkart as bank has entered in to tie up. Under OMP, bank extends special offers/ discounts to our customers. Which of the following payment option is not available for special offer / discount? a. Payment made through State Bank debit card

b. Payment made through onlinesbi.com c. Payment through SBI credit card. d. Payment made through another bank debit card. Which of the following options in YONO will provide access to Online Market Place OMP? a. Shop and order b. Book and order c. Financial Super store d. Any of the above.

YONO Krishi

What are the important features in YONO Krishi a) Mandi b) Mitra. c) Agri Gold Loan. d) All of the above Under YONO KRISHI, Mandi is for enabling farmers for ________ a) Purchase of implements, pump-sets, etc. b) It is weather forecast and other helping needs for farmers c) Farmer can arrange for insuring their crop d) None of the above. Under Mitra in YONO Krishi, a farmer can ____ a) Purchase implements, seeds. b) Get Agri Gold Loan data c) Weather forecast and other helpful resources for agriculture d) None of the above. What are the features available in YONO Krishi right now? a) Mandi, Mitra and Agri Gold Loan b) Mandi, Mitra, Agri Gold Loan and KCC c) Mandi, Mitra and KCC d) None of the above In continuation towards going green through paper less banking and making the technological benefits reach agriculturist also, the bank has launched YNO KRISHI in July 2019. Please answer the following questions on YONO KRISHI.

Which of the following features are not available in YONO KRISHI? a. b. c. d.

Mandi Mitra Bachat Farm

Which of the following feature in YONO KRISHI will help the farmer to do the basic banking services like bill payment, fun transfer etc.? a. b. c. d.

Mandi Mitra Khata Farm

Which of the following feature in YONO KRISHI will enable farmers to purchase farm inputs from merchants e.g. fertilizers, seeds, tractors, pesticides etc. a. b. c. d.

Mandi Mitra Bachat Firm

Which of the following feature in YONO Krishi will help the farmer about current market information and weather forecast etc.? a. b. c. d.

Mandi Mitra Bachat Farm

Goregaon branch is a small branch located in rural area. The branch has a very high potential for Agri Gold Loans. Mr. Ramana is a farmer in the village and is banking with us. He has availed agri gold loan of Rs. 2,00,000.00 from the branch. He is now trying to avail another agri gold loan through YONO Krishi. Miss Pallavi, associate trying to answer his queries related to agri gold loan in YONO Krishi. Customer has done some data entry in YONO Krishi for Agri Gold Loan which is incomplete. For how many days this incomplete application will be available to th customer to resume the further process.? a. b. c. d.

30 days 15 days 20 days 07 days

Mr. Ramana has already availed a Agri Gold loan from the branch. Whether he is eligible to apply for second agri gold loan through YONO Krishi? a. No, he cannot apply.

b. Yes. If he has less than 5 agri gold loan accounts live in CBS. c. Yes. If he has less than 2 agri gold loan accounts live in CBS. d. Yes. If he has less than 3 agri gold loan accounts live in CBS. What is the maximum loan limit for agri gold loan in YONO Krishi? a. 25,00,000 b. 20,00,000 c. 15,00,000 d. 10,00,000 Customer is trying to apply for agri Gold Loan on YONO Krishi. Which of the following is not a pre-requisite for the same? a. b. c. d.

Customer is literate, age 18 years and above. Customer is KYC compliant. Aadhar details are available in CBS. PAN Availability in CBS.

Mr. Ramana has generated a reference number using YONO Krishi for availing gri Gold Loan 1 week back but due to his busy farm activities, he has come to branch to day. What is the validity of this reference number? a. b. c. d.

10 days 15 days 7 days 30 days.

YONO Cash

What is the validity period of YONO Cash request? a. 60 minutes b. 120 minutes c. 30 minutes d. 240 minutes

What is the name of the functionality developed by the Bank which enable customers withdraw cash from selected ATMs/Recyclers without using their debit card? a. b. c. d.

Contactless card EMV enabled card YONO Cash SBI Fast

What is the minimum withdrawal permitted in YONO Cash?

a. b. c. d.

100 500 1000 10000

What is the maximum ceiling for daily withdrawal through YONO Cash? a. b. c. d.

2000 5000 10000 20000

The Transaction Number for YONO Cash will have a validity of maximum. a. b. c. d.

240 min. 120 min. 60 min. 30 min.

Mr. Ram is maintaining his Saving Bank account with Ravnpur Branch. He is also using YONO application for his banking services. He has recently heard about YONO cash from his friend and seeking some more information on YONO cash from Mr. Ajay, associate of the branch. Which of the following services is not offered under YONO Cash? a. b. c. d.

Card less payments at POS E commerce payment Cash @ POS Cash withdrawal at CSP

For which of the following amount customer cannot create YONO Cash request? a. Rs. 10000 b. Rs.80000 c. Rs.500 d. Rs.25000 YONO cash facility is not available to a customer at…? a. b. c. d.

Any ATM under shared network CSP POS Loaction YON Cash Points (YCP)

YONO CDK

Which one of the following is not correct in respect of YONO CDK? a. Enhanced customer experience as time required to submit cheques will drastically reduce b. Reduction in queues in front of CDKs c. Customers will migrate to CDKs for deposit of cheques d. Reduction in time taken for cheque realization due to CDK While using YONO for submitting cheques through smart CDK which one of the following is automatically populated? a. b. c. d.

Cheque number Cheque amount Account number Date of the Cheque

In case of any query or dispute regarding cheque deposited in smart CDK through YONO, the customer should ……………………… a. b. c. d.

Contact the link branch mentioned in the receipt Customer can raise the query through YONO Customer should contact the home branch Customer should contact the clearing CPC

If the cheques are deposited in smart CDK through YONO, which of the following statement is correct? a. Physical verification of the cheque is not necessary b. Physical verification of the cheque is to be done as per the laid down procedure c. Customer is responsible for the genuineness of the cheque d. Physical verification of the cheque will depend on the size of the branch How the customer will remember the reference number generated while entering the details of cheque in YONO? a. b. c. d.

Customer must note it down An SMS is sent to the registered mobile number Customer need not remember, it is not needed An email is sent by CBS

Which of the following is the feature in YONO regarding deposit of cheque in

smart CDK? a. b. c. d.

An email is sent by CBS For cheque deposit the customer may use CDK YONO may be accessed for entering data for deposit of cheque in smart CDK YONO does not have the facility of data entry relating to cheque deposit

What is the expansion of CDK in smart CDK? a. b. c. d.

Cheque Deposit Kiosk Cash Deposit Kiosk Clearing Data-entry Kiosk Customer Dialogue Kiosk

Which of the following statement(s) is/are correct regarding the reference number generated through YONO in respect of cheque deposit in smart CDK? a. Once the batch of cheques is processed in smart CDK the reference number generated in YONO app by the customer cannot be used again b. The reference number can be used in case of any mistake c. The same reference number is valid for one month for one customer d. The same reference number is valid for one day/24 hours

Which of the following is correct after the cheques are deposited in smart CDK using the facility available in YONO? a. Customer is given a receipt giving the details of cheque deposited b. Customer gets an SMS with details of cheques deposited in the registered mobile number c. Customer will get a pop up in YONO d. The details of cheque deposit are sent through by email When all the cheques are entered in smart CDK the data is sent to …………… a. b. c. d.

The branch server CTS software CDC Belapur NFS site

The customer has entered the cheque details in YONO app under smart CDK option and generated reference number. What is the validity of this reference number for depositing cheque in CDK? a. b. c. d.

30 days 15 days 20 days 25 days

Whether PDCs are accepted in CDK? a. NO b. YES ABC is the semi-urban branch which witness heavy footfalls every day. Due to shortage of staff in the branch and heavy footfall there are large number of complaints from the customers that there is undue delay in realisation of the cheques presented by them. Mr. Prasad, Branch Manager has arranged for staff meeting and is advising

the staff about importance of migrating the customer to CDK. Ms. Pallavi a newly joined Associate has the following queries to answer about CDK. After entering the cheque details in the YONO application, within how many days customer has to submit the physical cheque in the CDK? a. b. c. d.

10 15 20 30

Under which option in YONO smart cheque deposit facility is available? a. Other services b. requests c. service request d. account services Which of the following cheques are accepted in CDK? a. Stale Cheque b. PDCs c. CTS Compliant Cheques d. Any of the above - Which of the following strategy will help the branch to overcome this problem? a. advise the staff to lodge the cheques in the system on the same day when they are received. b. Advise the customer to visit the nearby branch for time being. c. Take initiative to migrate the customer s to CDK d. Any one of the above -How Many cheques customer can deposit at once in CDK? a. b. c. d.

5 10 15 2

YONO Branch Portal NFS

Which of the following is the optional field in ‘KYC Profile Update Journey’? a. b. c. d.

E mail Name of Father/Spouse/Guardian Annual Income BSR Organization code

Which of the following is incorrect in respect of KYC update using YONO? a. The customer must have relevant documents b. The customer must fill up an application c. The customer must approach a Maker for lodging a service request in branch YONO portal d. Maker-Checker process is followed in branch YONO portal Which of the following is incorrect while updating KYC through YONO? a. This facility is available all segments of customers b. For mobile number change the customer should be in possession of both the old and new mobile numbers c. For mobile number change the customer should be in possession of both the old and new mobile numbers d. LCPC workflow must be followed post execution of KYC update request through YONO Which of the following is not supported by KYC update through YONO? a. b. c. d.

Mobile number update of customer Risk category update of customer in CBS whose KYC update is overdue Risk category update date in CBS Update of address proof details

Which of the following link must be chosen for KYC update through branch YONO portal? a. b. c. d.

KYC/Profile update RI KYC/Profile update RI and NRI KYC/Profile update KYC/Profile update – customers

Which of the following is correct in respect of KYC review rules update in YONO NFS? a. b. c. d.

KYC review rules are updated in YONO NFS process KYC review rules are not updated, we need to escalate the issue KYC review rules in YONO NFS are out of date KYC review rules in YONO NFS are updated once in three years

YONO application in CBS is accessed through…………. a. b. c. d.

CBS Menu Through Apps in CBS It is an external application Accessed through separate URL

Can we edit customer title through KYC/Profile update in YONO branch application? a. b. c. d.

Yes. We can do it No. This facility is not available Customer title cannot be amended CIF must be closed and new CIF to be opened

If the customer gives different OVDs for ID proof and Address proof can the amendment be done through YONO branch application in CBS?

a. b. c. d.

No. It cannot be done Yes. It can be done In YONO it can be done only by the checker In YONO the issue must be escalated to YONO support cell at LHO

In step – 6 of KYC/Profile update screen in YONO which of the following field(s) is/are non-mandatory?

a. b. c. d.

Mobile number E-mail Annual Income PAN Number

Which of the following option a checker has to choose, if there is error data entry by the maker while updating KYC through YONO branch interface NFS module? a. b. c. d.

Deny Reject Send back to Maker return to Maker

BHIM SBI Pay 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

Which option is not true for BHIM SBI Pay? a. Virtual Payment Address (VPA) is compulsory b. Account number & IFSC Code is one of the payment options c. QR Code is one of the payment options d. MMID is one of the payment options What is the maximum transaction limit per day on BHIM SBI Pay? a. Rs.10000/b. Rs.100000/c. No such limit d. Rs.50000/The 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 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 Google Pay Which is not the pre-requisites for GOOGLE PAY APP in the following options? a. Mobile - Android 5.0 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 Which of the following not true about GOOGLE PAY? a. Funds transfer through MMID b. Account number & IFSC Code is one of the payment options c. QR Code is one of the payment options d. Quick transfer of money with nearby G-Pay users using audio What is the maximum transaction limit per day on GOOGLE PAY? a. Rs.10000/b. Rs.100000/c. No such limit d. Rs.50000/-

YONO Lite Which of the following App customer cannot access through pre login section of YONO Lite? a. Bharath QR b. YONO SBI c. e-Locker d. SBI Samadhan Which of the following facility is not available in YONO Lite? a. Cash withdrawal using YONO Cash b. Quick transfer c. Funds transfer using VPA d. Funds transfer through QR code What is the maximum per transaction limit for funds transfer using Quick transfer? a. Rs.25000/- per transaction b. Rs.15000/- per transaction c. Rs.5000/- per transaction d. Rs.10000/- per transaction Which of the following is incorrect about YONO Lite? a. b. c. d.

YONO Lite is available in Google Play Store For existing customer onetime registration is required Registration for new user can be done through ATM/Debit card New user for YONO Lite must visit the branch for activation

Which of the following is not available in YONO Lite? a. b. c. d.

Detailed account information Funds transfer within self-accounts Quick transfer to unregistered beneficiaries Closure of loan account

Which of the following services is not available in YONO Lite? a. b. c. d.

Change of maturity for all time deposit accounts Creation and managing standing instructions Debit card hot listing Cheque book request

Which of the following is not available in Smart Watch Banking? a. Account enquiry b. Funds transfer c. Mobile top up

d. Creation of eTDR and eRD Which is the transaction limit for transfer within self-accounts through YONO Lite? a. b. c. d.

Rs. 2 Crores Rs. 20 Lakhs Rs. 20 Lakhs Rs. 10 Lakhs

Which of the following is correct? a. b. c. d.

YONO Lite is equivalent to RINB on mobile YONO Lite is not related to RINB YONO Lite is having features of CINB YONO Lite is a software relating to ATM complaint resolution

Which of the following is not a non-financial feature in YONO Lite? a. b. c. d.

ATM cum Debit Card Hot-listing Cheque Book Request TDS Enquiry Pre-paid card top-up

Which of the following is not a fund transfer facility in YONO Lite? a. b. c. d.

Quick transfer Third party account transfer Other Bank Accounts funds transfer Money transfer through apps

Which of the following is not available in YONO Lite?

a. b. c. d.

Scan Bharat QR Code to make payments Blocking debit card in case lost/stolen Enquiry of availability of locker in the branch Viewing availability of cash in ATM

Which of the following feature is not available in YONO Lite? a. b. c. d.

Locate SBI branches View loan offers and apply FAQs Closure of loan account

RINB Which of the following facilities are not available in RINB? a. Home branch transfer of Saving bank account. b. PAN registration c. Pension loan d. e-Filing of IT returns Mrs. Anasuya is maintaining a SB account with Nilgiri branch she is an employee in state government. She availed Platinum debit card and INB facility for her banking needs and using them for one year. She rarely uses her ATM card for withdrawal of cash from ATM beyond 20000 as most of her transactions are cash less. Hence she want this platinum be replaced with classic card to reduce the risk (lower cash withdrawal limit) Mrs. Lavanya, Associate in the branch guiding her about ATM card services available in INB. -Which of the following options is not available under atm card services in INB? a. Request new ATM / Debit card b. Manage ATM / Debit card c. Block ATM / Debit Card d. Link Debit card to another account. -If the user selects NO in enable high security option for fund transfer in INB then…? a. No OTP (high security alert) is required for any amount of intra and interbank fund transfer b. No OTP (high security alert) is required for transaction up to 10,000 cumulative in a day c. No OTP (high security alert) is required for transaction up to 20,000 cumulative in a day d. No OTP (high security alert) is required for transaction up to 30,000 cumulative in a day -Name the option in INB under ATM card services through which customer can apply for personalized image-based ATM card? a. No such option b. My card c. Debit Card d. Special card -Which of the following service is not available to customer under ATM card service in INB?

a. Reduce daily limit of the card for ATM/POS/CNP transaction within the permitted limits. b. increase daily limit of the card for ATM/POS/CNP transaction above the permitted limits. c. Enable/ Disable the card type of ATM/POS/CNP d. Enable /Disable international usage. -What is the amount of ATM cash withdrawal customer can do using card in ATM without second level authentication by means of OTP from 8.00Am to 8.00PM? a. Rs. 10,000 b. Rs.15,000 c. Rs.20,000 d. Any amount as per daily limit of the card. Only ATM pin is required. No OTP is required. CINB State Bank Collect cannot be enabled with which of the following CINB facility? a. Khatha Plus b. Saral c. Vyapaar d. Vistaar Number of variants of CINB are? a. 5 b. 4 c. 3 d. 6 Which of the following CINB facility can be enabled through CBS? a. Khata Plus b. Khata c. Vyapaar d. Vistaar Which of CINB variant is compatible for Proprietary firms who need only enquiry rights? a. Saral b. Khata Plus c. Khata d. Vyapaar

Mr. Shubham is running a small Business under proprietorship. He is maintaining a current account with Afzalpur branch for his business activities. He makes regular payments to his suppliers for which he submits list of suppliers and cheque to the branch with a request for sending the amount through NEFT RTGS. He has a complaint from one of his suppliers that the payment is not received by him, though the same was sent by our branch last week. On verification, it was found that the beneficiary account was entered wrongly in the system while creating the message which was also not noticed by the checker. Mr. Abhiram associate in the branch is trying to explain the benefits of CINB to Mr. Shubham Which of the following CINB facility can be enabled through CBS? a. Khata Plus b Vyapaar c. Vistaar d. Saral Number of variants of CINB are? a. 5 b. 6 c. 3 d. 4 What are the mandatory roles to be created for CINB Saral? a. b. c. d.

Administrator Maker Checker No roles are required it is single user product.

Which of the following CINB variants has the transaction rights? a. b. c. d.

Khata plus Khata Saral All of them

Which of the following facility can be provided to Mr. Shubham to reduce the risk of erroneous data entry at the branch while making payment to supplier through RTGS/ NEFT ? a. b. c. d.

CINB khata CINB Khata plus CINB Saral CINB Vypaar

CRM Which of the following is not a benefit of CRM? a. Attract more customers and helps to retain the existing customers. b. Improved internal communication c. Improved customer satisfaction. d. Increased complaint resolution time Who will do the role mapping for users in branch in CRM? a. CRM nodal officer b. Field officer c. Branch Manager d. Admin at LHO Bharat QR Which of the following is not true about Pre-requisites by merchant for Bharath QR? a. Smart mobile phone b. Account with SBI c. QR code Scanner d. data connection Which of the following are not the benefits of Bharath QR to the bank? a. CASA balances b. Merchant discount rate c. It has no CAPEX and less OPEX d. Monthly rental The information which is not stored in dynamic QR code? a. Merchant ID b. Terminal ID c. Merchant Address d. Amount. SBI FasTag What is SBI FASTag? a) An initiative to digitize toll transactions at toll plazas b) Initiative to collect Toll Tax electronically c) An effort to curtail Time for payment of Toll Tax at Plaza d) All options are correct.

The Technology that is used in SBI FASTag to read the Tag is a) QUORUM b) RFID c) NETC d) NPCI Mr. Ramesh travel from Vijaywada to Hyderabad by road at least two times a month to meet his parents. He feels irritated when he spends a lot of time at various toll plazas in between. He heard about the product that will help him to drive through the toll plaza without stopping to pay toll tax. He has the following queries about this app. Mr Suresh, Associate… -Which of the following is an initiative to digitize the toll transactions at toll plazas. a. SBI FASTag b. SBI TollTag c. SBI TollApp d. SBI DigiTag -What is the customer care help number for getting this application? a. 1800 110018 b. 1800 112211 c. 1800 111101 d,. 1800 325 3800 -Which of the following is not correct about the agencies engaged by the bank for selling this product. A. AISECT b. NICT c. PRISM d. SAVE - The Technology that is used in SBI FASTag to read the Tag is a) QUORUM b) RFID c) NETC d) NPCI - As per NHAI, number of categories of vehicles for the purpose of toll payment is…? a. 5 b. 6

c. 7 d. 8

Xpress Credit & other Demand Loan

Mrs. Pooja is working as a lecturer in Government college in the city, she is drawing net monthly salary of Rs. 80000. She had availed a personal loan of Rs. 15 lakh from our Residency Road Branch in the city during 2017 and the balance outstanding is Rs.7 lakh as on date. The conduct of the account is satisfactory. Now, to support some financial needs she approached the branch and requested for second personal loan. She is drawing the salary from our bank only. She is having remaining 4 years of service. She has not availed any other loan from other bank or financial institutions. What is the maximum amount eligible for second loan under Xpress credit to Mrs. Pooja? a. b. c. d.

Rs.12.30 lakh Rs.15 lakh Rs.20 lakh Rs.13 lakh

What is the maximum repayment period may be allowed to her? a. b. c. d.

4 Years 5 Years 6 Years 3 Years

What is the minimum margin required in Xpress credit? a. b. c. d.

Nil 0.1 0.15 0.25

Whether Mrs. Pooja is eligible for second personal loan (Xpress Credit)? a. Yes, applicant may avail second loan any time after availing first loan subject to overall satisfactory track record and EMI/ NMI ratio ≤ 50% b. No, unless the first loan is existing there is no provision for availing the second loan. c. Yes, applicant may avail second loan any time after availing first loan subject to overall satisfactory track record and EMI/ NMI ratio ≤ 70% d. None of the above.

Which is the type of facility available to Mrs. Pooja for availing second loan under Xpress Credit? a. b. c. d.

Term Loan Overdraft Either Term Loan or Overdraft Demand Loan

Mrs. Geetha 67 years aged service pensioner is drawing pension from Town branch of SBI. She approached the branch requesting pension loan to meet some medical emergency. Branch manager of the branch has interacted with Mrs.Geetha and explained the features to her. Whether collateral security is insisted under this scheme? a. b. c. d.

It is waived as she is drawing the pension from our branch. Yes, third party guarantee of spouse is mandatory Yes, third arty guarantee of a respectable person of the branch None of the above.

What is the maximum repayment period which can be extended to Mrs. Geetha? a. b. c. d.

36 months 48 months 60 months 72 months

What is the EMI / NMP ratio for regular pensioners under this scheme? a. b. c. d.

0.33 0.40 0.50 0.60

What is the maximum loan amount Mrs. Geetha is eligible under Sbi Pension loan? a. b. c. d.

18 times the Net monthly pension subject to a max. of Rs.10 lakhs. 18 times the Net monthly pension subject to a max. of Rs.12 lakhs. 18 times the Net monthly pension subject to a max. of Rs.14 lakhs. 18 times the Net monthly pension subject to a max. of Rs.15 lakhs.

Mrs. Geetha requested overdraft facility under SBI pension loan to save interest. Can the branch sanction overdraft facility under the scheme? a. b. c. d.

No, only Term loan can be sanctioned under the scheme No, Only Demand loan can be sanctioned under the scheme. Yes, Overdraft can be sanctioned as requested. Either Term loan or Overdraft can be sanctioned.

Mrs. Sandhya visited the branch requesting for Gold loan by pledging her gold ornaments which includes 45 gms of gold coins. The gross weight of the ornaments is 120 gms and net weight is 100 gms. The advance value as per banks guidelines is

2500 per gm. The margin stipulation is 35%. Mrs Sandhya is looking for a loan where the money is required to be paid at the end of the loan term only. Which gold loan scheme is suitable to the requirement of Mrs. Sandhya? a. b. c. d.

SBI Personal gold loan SBI Liquide gold loan SBI bullet repayment gold loan SBI gold loan Lite

What is the maximum loan amount eligible to Mrs. Sandhya? a. b. c. d.

2 Lakh 2.5 lakh 1.62 lakh 1.50 lakh

Which of the following is not the method for testing the purity of gold ornaments? a. b. c. d.

Touch Stone method Nitric Acid Method Specific gravity method None of the above

What is the maximum repayment period under this product? a. b. c. d.

12 months 30 months 36 months 48 months

What is the minimum purity required for availing the gold loan? a. b. c. d.

18 carat 20 carat 22 carat 24 carat

Mr. Ajay is a newly promoted credit officer posted in PBB branch. Mr. Bharat has approached for housing loan. There was some deficit in margin requirement for housing loan project. Mr. Bharat has enquired about whether there is any provision to meet margin amount in home loan. The track record is satisfactory and risk scoring model (RSM) score is 45. Which one of the following is not the variant of Reality Gold Loan? a. b. c. d.

SBI Reality Bullet Repayment Gold Loan SBI Reality Liquid Gold Loan SBI reality EMI Gold Loan SBI Reality Gold Loan Lite

What is the minimum age requirement in this product? a. b. c. d.

18 years 21 years 24 years No age stipulations

Which is the suitable product Mr. Ajay can market it to Mr. Bharat? a. b. c. d.

SBI Asset backed loan SBI Loan against property SBI Reality Gold Loan SBI Personal Loan

What is the minimum and maximum loan amount in the above product? a. b. c. d.

Min:Rs.50000, Max:Rs.20 lakh Min:Rs.50000, Max:Rs.25 lakh Min:Rs.100000, Max:Rs.25 lakh No Minimum and Maximum

What is the benefit if Mr. Bharat avails this product? a. Nil Margin b. No Minimum CIBIL Score stipulation c. Interest charged will be eligible for Tax benefits under section 24B & repayment under section 80C of IT Act 1961 d. None of the above.

Mr. Antony retire from the army services after mandatory service in 2016 and drawing pension from market branch of SBI. His age is 54 years. To meet some urgent personal needs, he approached the branch and requested for loan against his pension. What is the maximum loan that can be sanctioned to Mr. Antony? a. 36 times net monthly pension subject to a max of Rs. 1000000. b. 36 times net monthly pension subject to a max of Rs. 1200000. c. 36 times net monthly pension subject to a max of Rs. 1400000. d. 36 times net monthly pension subject to a max of Rs. 1500000. -Which is the suitable product that can be marketed to Mr. Antony? a. SBI Pension loan b. SBI Defence pension loan c. SBI Jai Jawan Pension loan d. Pension loan to CMPF pensioners

What is the maximum repayment under the scheme? a. 36 months b. 60 months c.72 months d. 84 months

Which type of facility can be considered to Mr. Antony under this scheme? a. Term Loan b. Demand Loan c. Overdraft d. Either Term loan or Overdraft

What is EMI/ NMI ratio for this product? a. 0.60 b. 0.50 c. 0.40 d. 0.33 Mr. Eshwar is proprietor of a trading unit and has been maintaining a current account with ABC branch since 2017. He approached to the branch for availing gold loan to meet some business expenses. During the interaction with the branch manager, he enquired whether overdraft facility can be sanctioned against the security of Gold? -What is the maximum loan eligible under the scheme? a. Rs.10 lakhs b. Rs. 15 lakhs c. Rs.20 lakhs d. Rs.25 lakhs - What is the stipulated margin applicable for this scheme? a. 0.15 b. 0.20 c. 0.25 d. 0.35

- Which is the suitable product that can be suggested to Mr. Eshwar? a. SBI Personal Gold Loan b. SBI Liquid Gold Loan c. SBI Bullet repayment Gold Loan d. Multipurpose Gold Loan -What is the type of facility extended to this product? a. Term Loan b. Overdraft c. Term loan or Overdraft d. Demand Loan -What is the maximum repayment period applicable for this scheme? a. 12 months b. 24 months c. 30 months d. 36 months

Liability Products

Ms. Jyothi is working as Health Secretary in Central Government Office. She is holding a salary account with us. She approached you for a financial goal to accumulate Rs. 25 Lakh in 10 years’ time period. Please guide Ms. Jyothi and answer the following. What is the service charges levied for delayed payment of installment in RD accounts? a. Service charges will be levied, where delayed payment of 3 or more consecutive installments b. Service charges will be levied where delayed payment of 3 or more instalments during the tenor of the account c. Service charge of Rs. 10/- will be levied at the time of payment at or after maturity on all accounts, where there is a delayed payment of instalments d. None of the above

The Maid servant of Ms Jyothi, also wants to contribute some amount every month for RD account, what is the minimum tenure and minimum instalment? a. 6 months & Rs. 500/-

b. 12 months & Rs. 1000/c. 12 months & Rs. 100/d. 6 months & Rs. 100/Ms. Jyothi can contribute Rs. 12000/- every month to achieve her financial goal. Which product would you suggest? a. Every month TDR/STDR can be created for a period of 10 years b. The equal contribution of amount of Rs. 12000/- can be deposited in Recurring Deposit Account c. The SB Account can be mapped to MODs account and system will take care for the excess amount d. None of the above Ms. Jyothi could not be able to pay monthly instalment in RD Account for 3 months. What will be the penalty? a. b. c. d.

Penalty shall be Rs.1.50 for every Rs. 100 per month Penalty shall be Rs.2.00 for every Rs. 100 per month Penalty shall be Rs.2.50 for every Rs. 100 per month No Penalty, if the default instalment amount are appropriated at a later date before maturity

How much amount can be availed by as loan against RD Account? a. b. c. d.

Loan/Overdraft is available upto 75% of the balance in RD Loan/Overdraft is available upto 90% of the balance in RD Loan/Overdraft is available upto 50% of the balance in RD Loan/Overdraft against RD is not available

Mrs. Revati is a salaried employee. Her take home salary is more than his monthly expenses and as a result every month surplus fund is left in the account earning very less interest. She is seeking your advice about how to earn more interest on surplus funds left in his account every month without compromising on liquidity. How liquidity is not compromised in SB Plus account a. b. c. d.

Customer can close MOD account without penalty Whenever customer wants money, he can overdraw from SB Plus account Customer can withdraw partial amount pre-maturely from MOD MOD accounts will be eligible for higher interest than Special Term Deposit

How SB Plus account helps Mrs. Revathi? a. Auto sweep will transfer surplus fund automatically in MOD b. She will be eligible for better interest rate in SB Plus account c. TDS is not applicable to MODs created from SB Plus

d. Every month she can request Bank to open Special Term Deposit Account for a fixed amount What is the minimum partial withdrawal is permitted from MODs created by auto sweep a. b. c. d.

Rs. 25000/Rs. 10000/Rs. 5000/Rs. 1000/-

What is the tenure allowed for MODs? a. b. c. d.

1 year 2 year 5 year 1 year to 5 year

Which product you will suggest to Mrs. Revathi? a. b. c. d.

Multi Option Deposit Saving Plus Account SBI Tax Saving Account Special Term Deposit Account

It was the month of Feb 2020. Mr. Anil an energetic Branch Manager, approaches Govt. Deptt. For personal deposit of the employees. He targets for SBI Tax Saver Scheme, so that, the govt. employee gets tax benefit under Sec. 80C of IT Act 1961.Some of the employees enquired about the following: Some of the employees wants to avail the loan against the Tax Saver Scheme a. b. c. d.

No, loan can be sanctioned as the amount is subject to liable for tax Yes, can be granted only after lock in period is over Yes, it can be granted at any time Not permissible

Whether TDS applicability is there for interest earned from the deposits. a. b. c. d.

No, as the amount is subject to liable for tax Yes TDS will not applicable as lock in period is there All of the above

What is the minimum and max deposit under SBI Tax Saver Scheme? a. b. c. d.

Rs. 1000/- and No limit Rs. 1000/- and Rs. 150000/Rs. 1000/- and Rs. 10 Lakh Rs. 500/- and Rs. 150000/-

Can the deposit be closed prematurely? a. b. c. d.

No, it can’t be as lock in period available Yes, it can be but after the lock in period is over Yes, at any time All of the above

Mr. Antony is working as computer engineer in Australia. He had purchased a vacant plot in Trivandrum for construction of house over that. Now he is willing to permanently settle in Bengaluru. He is banking with HDFC bank and SBI. Mr Antony approached you for consultation on Tax compliance for selling the plot and purchasing a new house. At the time of final closure of capital gain account, the depositor...? a. Have to produce specific authority letter / certificate from the Income Tax officer having judication. b. Closure would be allowed on the terms mentioned in the letter of Authority. c. Closure of TDR/ STDR (Account B) allowed before maturity. (Proceeds to be credited in Cap Gain SB Account A only) d. All are correct. Mr. Antony is ready to pay the Tax on Capital gain, as the CGAS suggest for keeping the proceeds amount mandatory in SB account. a. SB account is mandatory as the proceeds has to be routed through this account. b. There are two types of account i.e. SB account (Account A) and Term Deposit (Account B) c. The customer can deposit the amount in Term Deposit and earns higher interest rate. d. All are correct. What is the period of deposit in CGAS? a. b. c. d.

Not more than 2 to 3 years Not exceeding 2 to 3 years from the date of transfer of original asset. Not exceeding 2 to 3 years from the date of deposit Minimum 2 years maximum 3 years

Which of these is not correct in terms of CGAS? a. b. c. d.

This can be accepted as Margin money for non-fund-based facilities. Loan facility against this deposit is not available This cannot be accepted as collateral to any type of credit facilities. TDS shall be deducted as per the existing rules in this regard.

What is the Minimum and maximum amount in case of Capital gain Term Deposit? a. What is the Minimum and maximum amount in case of Capital Gain Term Deposit. b. Rs.10000 and Rs.1500000 c. Rs.1000 and No Cap d. Rs. 10000 and No Cap Mr. Ravi recently started a trading unit and visited the branch to open a current account. How will you support the customer in identifying the suitable product. Which entity can open current account? a. State / District Level Co-operative Housing Societies. b. Quasi Government bodies/ which receives subsidies from the Government. c. HUF not engaged in Family Business Activity. d. Both 1 and 2 Correct

Who is beneficial owner? a. A natural Person, who is owner or entitled to more than 20% of shares or Capital or profit of the company. b. A natural Person, who is owner or entitled to more than 25% of shares or Capital or profit of the company c. A natural Person, who is owner or entitled to more than 15% of shares or Capital or profit of the partnership firm d. Either 2 or 3

Which of the following is incorrect in opening/ operations of the current account? a. Introduction is not necessary for opening of current account under prevention of Money Laundering Act and rules 2002 PML Act.as well as RBIs extent KYC instructions. b. In case the customer availing credit facilities from other banks, NOC from the existing bank ( As per Self declaration) is required, while opening current account. c. The operation in the account can be continued even after the death of the sole proprietor. d. All are correct Can nomination be made in a current account? a. No, It is non individual account. b. Yes, nomination allowed in current account.

c. Yes, nomination facility available for CA opened in the name of individuals and proprietary accounts. d. both 2 and 3 are correct

Which of the following statements is incorrect regarding Current Account in the name of Minor? a. Current account in the name of Minor is allowed only if a guardian has been appointed under The Guardian and Ward act, for the property of the minor. b. the guardian must not be allowed to draw on the account after the minor has come of age or after his death. c. Overdraft to the guardian may be allowed. d. Current account in the name of minor can be opened without reference to the controlling authority.

A customer approached Mr. Sethu, newly joined Junior associate, for opening of Saving Bank account. However, when asked for OVDs by Mr. Sethu, customer replied that he does not have any OVDs, but he insisted on opening the account. Kindly answer the following. Can the account be opened in the name of the customer? a. without OVDs , we cannot open the account b. It can be opened with a self-declaration from the customer with certain restrictions. c. We can request the customer to bring the OVDs and get the account opened. d. All of the above. How long the customer can continue this account.? a. 6 months b. The customer should submit the OVDs after 6 months to continue the account. c. Max. period allowed is for 24 months. d. Max. period allowed is for 12 months. How much amount, a customer can deposit in this account? a. Deposit amount should not be more than 1 lakh b. Deposit amount should not be more than Rs.50000 and balance should not exceed Rs. 50000 c. In a financial year the deposit should not be more than one lakh. d. Both 2 and 3 are correct.

How much the customer can withdraw from the account? a. Rs. 5000 in a month b. Rs. 10000 in a month c. All withdrawal and transfers should not be more than Rs.10000 in a month. d. All of the above.

Under which account can be opened? a. Regular SB Account b. Saving Plus account c. BSBD account d. Small account.

Ms. Sanjana has recently joined your branch. She has been allotted Saving Account Opening Work. One day she comes to you and ask the following question related to Savings Bank rules. Please guide her properly. What is the maximum balance that can be maintained in saving account of a minor? a. Rs.10 lakhs for account opened in single name of minor b. Rs. 20 lakhs for account opened jointly with guardian. c. Both A and B d. No ceiling on Maximum balance

Nomination facility is not available for …? a. Account opened in representative capacity. b. Account s opened by illiterates. c. Accounts opened by visually impaired persons. d. Accounts opened jointly.

How is the interest paid in the saving bank deposits.? a. Calculated on daily product basis and credited to the account at monthly intervals b. Calculated on daily product basis and credited to the account at quarterly intervals c. Calculated on monthly product basis and credited to the account at quarterly intervals

d. Calculated on monthly product basis and credited to the account at half yearly intervals

Saving bank account cannot be opened by… a. Visually impaired person b. Minor c. Illiterate d. Insolvent person

If a customer opens the account through online mode, within how many days customer required to visit the branch to submit the KYC details? a. within 7 days period b. within 30 days period c. within 60 days’ time period d. any Time

Mr. Suhalka an existing customer of the branch introduced his son Niloyranjan in to the branch Manager. Niloy recently joined a MNC as vice president BM convinced him to open a SB account. They want to know about the features of the different variants of the SB accounts. Please answer the following. While funds are available for meeting daily expenditure the surplus provided low but steady interest. For higher interest….. a. The amount can be deposited in Government schemes b. The amount can be put in SB Plus (with auto sweep) c. The amount can be converted in to Fixed deposits d. All are correct.

Which of the following is not the feature of SB account? a. The interest earned on SB account up to 10000 is exempted from Income Tax b. Funds can be withdrawn during non-business hours through ATM / INB facility c. It can be closed at any point of time without giving prior notice. d. All are correct.

Which of the following is correct in case the account opened in the name of minor? a. Minor can open SB account in their single name. b. Minor account can be opened in single name. c. It can be opened jointly with the parents or guardians d. Both 1 and 3 are correct.

Mr. Ritesh, Proprietor of M/s ABC firm visited your branch and expressed his interest in opening a current account which he can operate from anywhere. On an average he wants to deposit Rs. 75 lakh to 100 lakh cash per month. Please suggest suitable current account variant by answering the following -Maximum cash deposit limit at non-home branch for gold variant account? a. Es.5000 per day b. Rs.100000 per day c. Rs. 200000 per day d. Rs. 500000 per day -How many demand draft can be issued free of cost under gold category current account? a. Normal charges will be applicable for issue of demand draft b. Only 50 DD are issued free of cost per month. c. Unlimited d. Concessional charges for issuance of Demand drafts is applicable. -How many cheque leaves are free per month if Mr. Ritesh opens Diamond variant product of current account? a. 300 b. 500 c. 700 d. Unlimited -In which product free monthly cash deposit of Rs. 100 lakhs is allowed? a. Silver Current Account b. Gold Current Account c. Diamond Current Account d. Platinum Current Account

-If Mr. Ritesh interested to maintain MAB of 6 lakh, which CA product you advice? a. General b. Regular c. Gold d. Diamond Mr. Ramesh is having banking relationship with SBI for past 10 years. He has invested Rs. 50 lakhs in Fixed Deposit (TDR) during last year for a period of 5 years. The monthly interest on Fixed deposit is credited to his SB account. He approached the branch for availing the loan against TDR. The concerned staff explained the feature of the loan. -If the loan against TDR is created by way of Demand Loan the interest proceeds should be credited to ….. a. Saving Account b. Demand Loan c. either Saving or Demand Loan d. none of the above. -What is the type of charge on the TDR account? a. Lien on Deposit b. Pledge over deposit c. Assignment on Deposit d. Hold on Deposit -What is the margin stipulated under Loan against TDR a. 0.25 b. 0.10 c. 0.15 d. 0.20 -What is the type of facility applicable to loan against Deposit? a. Demand Loan b. Term Loan c. Overdraft d. Either Demand Loan or Overdraft as desired by Mr. Ramesh

Education Loans

Mr. Karthik has applied for MS course in university of Chicago. He has submitted i20 along with other documents. Mr. Anand Branch Manager has interacted with Mr. Karthik. Karthik has some queries regarding this loan. What is the name of the scheme which Mr. Karthik is eligible.? a. SBI Student Loan b. SBI Scholor Loan c. SBI Skill Loan d. SBI Global Ed-vantage Loan

What is the maximum loan amount which can be considered under this scheme? a. Rs.25 lakh b. 50 lakh c. 1 crore d. 1.5 crores

Which of the following country is not applicable to pursue education in this scheme? a. USA b. UK c. Hongkong d. China

What is the margin stipulated for this product? a. 0.05 b. 0.1 c.0.15 d.0.2 What is the security insisted by the branch to Mr. Karthik? a. Nil b. 3rd party guarantee of Government employee

c. Immovable property where the value should be 110% of the loan amount d. either b or C Mr. Sagar has taken admission in one of the local engineering college for undergoing B. Tech Course. He approached along with his father, requesting for Education Loan. He has submitted the fee structure for the four year to the bank. The cost of fee for four years is Rs. 565100 Mrs. Ramaya, credit officer of the branch briefed the features of the product. -What is the margin stipulated under this scheme for studies abroad? a. 0.05 b. 0.10 c. 0.15 d. 0.20 -Which is the product Mrs. Ramaya explained to Mr. Sagar? a. SBI Student Loan b. SBI Scholar Loan c. SBI Skill Loan d. SBI Global Edvantage -What is the security required for the credit facility? a. Nil, as it can be covered under CGFSEL b. 3rd party guarantee of Govt. Employee c. Immovable property where the value should be 110% of the loan amount. D. Liquid security where the value should be 100% of the loan amount. -What is the maximum repayment period under this scheme? a. 15 years excluding moratorium period b. 15 years including moratorium period c. 10 years excluding moratorium period d. 10 years including moratorium period -What is the margin stipulated under this scheme? a. NIL b. 0.05 c. 0.10 d. 020

Mr. Brinda is maintaining a CSP account with Rimzim branch. He is a software engineer using our anytime channel extensively for all his banking needs for the last one year. Now he has been transferred to another place and he has come to the branch with a request to transfer his account to Dilbaag branch. He is already having YONO Lite on his mobile. Assuming that you are Ms. Ramani an Associate in the branch explain all the non-banking services available in YONO Lite. What is the maximum per transaction limit under Quick transfer option in YONO Lite? a. 1 lakh b. 20000 c. 25000 d. 15000 -Which of the following non-financial services are not available in YONO Lite a. Transfer of SB account to another branch b. For 15 G/ 15H submission c. Virtual card generation d. Registration of online nomination. -Which of the following payment option is not available in YONO Lite? a. Cash withdrawal using YONO Cash b. Quick Transfer without adding beneficiary c. UPI payment using VPA d. UPI payment by scanning QR Code - Which of the following is not true about submission of 15 G form by the customer in YONO Lite? a. PAN should be available in CIF b. Should have at least one Fixed Deposit c. Date of birth is present in CIF d. Age of the customer should not be more than 60 years

Team Orientation Somesh has joined as Chef Manager in district headquarter branch handling forex business also. He was surprised to notice that though the daily routine work was getting over in time, but employees in the branch were working in silos. There was one special associate Mr.Kumar handling forex transactions with more than 20 years of experience. Unfortunately, Mr. Kumar had to proceed on leave due to death of his mother for 2 weeks. There was one import LC bill due for payment during this period. No employee of the branch could perform the transaction. Mr. Somesh was in a great fix he tried to contact for support from other branch but could not get the proper support. As the customer was pressing hard for payment to be made on same day, he was left with no choice other than calling Mr. Kumar in such situation. Mr. Kumar being a dedicated person, even being on leave provided support over telephone to the other associate and anyhow the transaction could be completed. -What could have been done to avoid such scenario in the branch? a. Mr. Kumar leave should have been cancelled. b. The customer should have been requested to wait till Mr. Kumar resume office. c. A back up person should have been identified and trained for the transaction. d. The branch could have sent an email to the foreign branch to make the payment till Mr. Kumar resume office. -………….as a team leads to increase efficiency. a. Working in silos b. increase participation c. working in pairs d. non-participation -Each person plays a part and has something to contribute. When one person fails to complete the task, the rest of the team……… a. Gets the reward b. gets the recognition c. suffers d. does not get affected -What was the reason for Mr. Somesh to call Mr. Kumar even when he was on leave? a. Payment of one import LC was due b. Mr. Kumar knew how to complete the transaction c. no one other than Mr. Kumar knew how to do the forex transaction. d. All together

-Which behavioral aspect was missing in the branch? a. Motivation b. values c. Team Building d. Communication skills

Customer Service

A customer, while waiting for his turn in the waiting area was going through the Banking Ombudsman Scheme displayed in the branch premises. After completing his banking transaction, he wished to meet the Branch Manager to know more about the Banking Ombudsman Scheme. Please answer the following doubts raised by the customer, if you were the branch manager. What are the grounds of complaints under Banking Ombudsman Scheme 2006? a. Any person may file alleging deficiency in Banking services b. Deficiency in service in loans and advances. c. Deficiency in internet and other banking services. d. All are correct. Which of the following financial institutions are not covered under the Banking Ombudsman Scheme? a. b. c. d.

Regional rural Banks Scheduled Primary Co-operative Banks NBFCs All are correct

What is the maximum compensation can be awarded to the complainant for mental agony and harassment? a. b. c. d.

Rs. 1 Lakh Rs. 2 Lakh Rs.2.50 Lakh Rs.3.00 Lakh

Banking Ombudsman is headed by ……… appointed by ….…? a. b. c. d.

Retired Judge, RBI Retired Session judge, IBA Senior Official, RBI Retired District judge, IBA

When will one’s complaint not be considered by the Ombudsman? a. One has not approached his bank for redressal of his grievances first. b. One has not made the complaint within one year from the date one has received the reply of the bank or if no reply is received. If it is more than one year and one month from the date of representation to the bank. c. The subject matter of the complaint is pending for disposal/ has already been dealt with any other forum like court of law, consumer court etc. d. All are correct The customer is unhappy over not resolving his complaint at the branch level. The branch was giving false promise of addressing the same at the earliest every time. The customer was disheartened over this and planning to approach the consumer court. Please answer the following on consumer dispute redressal as per consumer protection act. Within how many days the cause of action, the case may be admitted to District / State / National commission.? a. If the complaint is not addressed by the bank within 21 days from the date of lodgment. b. within 6 months of incident c. within one year of cause of action d. within 2 year of cause of action.

Which commission entertain complaints for amount more than 1 crores to up to Rs. 10 crore.? a. Village commission b. District Forum c. State Commission d. Nation / Central Commission

Under COPRA the case is not exceeding Rs. 1 crore will be handled by? a. Village commission b. District Forum c. State Commission d. Nation / Central Commission

What is the provision, if anyone does not comply with the order of District/ State/ National Commission? a. The defiant person may be punished with an imprisonment for a term of one month to 3 years and or provision of fine of Rs. 25000 to 1 Lakh. b. The defiant person may be punished with an imprisonment for a term of three month to 3 years and or provision of fine of Rs. 25000 to 1 Lakh. c. The defiant person may be punished with an imprisonment for a term of three month to 1years and or provision of fine of Rs. 25000 to 2 Lakh. d. The defiant person may be punished with an imprisonment for a term of one month to 3 years and or provision of fine of Rs. 25000 to 2 Lakh.

Mr. Hemant has always observed , that his branch is not fulfilling the basic needs of the banking transactions. But , his unwilling to raise the same with the staff of the branch as they are good with him. Please answer the following, what are the other alternative complaint redressal mechanism in the branch.? He can raise his concern through…. a. customer relation Program. b. customer Service committee meeting c. Town Hall meeting d. Any of the above.

Unhappy customers can lodge their grievances by sending SMS to which number? a. 8008101010 b. 8008202020 c. 8008303030 d. Any of the above.

Which of the following is incorrect to lodge the customer complaint? a. Customer can lodge their grievance online on the bank’s website (www. sbi.co.in or bank.sbi) under the name customer care b. Customer can also send their complaint through email to [email protected] c. Customer can lodge their grievance online on the banks website (www. sbi.co.in or bank.sbi) on pre log-in. page of online sbi.com d. Any one of the above.

In case of difficulty with the branch, or unsatisfactory reply in respect of complaint lodged with the branch / other channels, whom the customer can approach? a. The AGM (RBO), under whose administrative control the branch functions. b. The GM (NW), under whose administrative control the branch functions. c. The complaint can be raised with CSD at LHO d. All are correct.

What is the toll-free number contact center to lodge the complaint? a. 1800 425 3800 b. 1800 22 11 22 c. 080 22599990 d. All are correct

Auto Loan

Mr. Sawant aged 45 years a Government employee. He wants to purchase used car from Maruti True Valu. The cost of the car is around 5 lakh and it is 2-year-old. He approaches you for a car loan. As branch manager of the branch how will you advise the customer? What is he EMI / NMI ratio if the income above 10 lakhs? a. 0.5 b.0.55 c.0.60 d. 0.65

What is the maximum repayment period that can be sanctioned to Mr. Sawant? a. 8 b. 7 c. 6 d. 5 Mr. Sawant can be considered under which of the following cvariants?

a. Loyalty car loan b. Assured car loan c. Certified pre-owned car loan d. Car loan Lite

What is the minimum and maximum loan amount for certified pre-owned car loan? a. 3 lakh and 10 lakh b. 3 lakh and 15 lakh c. 5 lakh and 10 lakh d. 5 lakh and 15 lakh

What is the minimum margin percentage which Mr. Sawant has to contribute? a. 10 b. 20 c. 25 d. NIL

Mrs. Noor is a Government employee and is planning to purchase a new car. Her net Annual income is 6 lakhs. Her CIBIL score is 630. She approaches you as she is maintaining salary account with your branch under salary package tie up. What is the EMI NMI ration available to Mrs. Noor? a. 50 b. 60 c. 65 d. 70

What is the maximum loan that can be sanctioned to Mrs. Noor? a. Rs.6 lakh b. No Loan can be sanctioned due to her low CIBIL score. c. Rs. 24 lakh d. Rs. 25 lakh

What is the margin percentage which Mrs. Noor has to contribute? a. 5 b. 10 c. 15 d. No margin for Govt employee.

What is the minimum CIBIL score required for Government employees maintaining Salary account with us? a. 600 b. 625 c. 650 d. 700

Which document is not waived for submission if she maintaining her salary account since last 12 months? a. form 16 / ITR b. Statement of bank account for last 6 moths c. Latest salary slip d. All of the above

Mr. Rahul is a NRE customer recently opened account with your branch. He has opened account with remittance of Rs. 5 lakh and maintaining the same balance since opening the account. He has been working abroad since last 2 years and earns a net salary of USD 3500 per month. He has requested for a car loan and offered personal guarantee of his father, a resident Indian, recently retired from a private sector and he does not have any pension or other income. Please discuss his eligibility for car loan? Which of the following is not an eligibility criterion for sanction of NRI car loan? a. Maintain an NRI account with other bank for last 24 months with a minimum balance / fixed deposit of Rs. 50000 b. Employed abroad for at least 2 years, holding a valid job contract/ work permit. c. Maintaining NRI account with SBI for at least 12 months with minimum average balance of Rs. 50000 or new account with minimum balance of USD 5000 or equivalent.

d. None of the above. What is the maximum repayment period extended to Mr. Rahul under this product.? a. 5 years b. 6 years c. 7 years d. 8 years

What is the minimum monthly income required for NRI customer for car loan? a. USD 1000 or equivalent in other currency b. USD 2000 or equivalent in other currency c. USD 3000 or equivalent in other currency d. USD 3500 or equivalent in other currency

What is the maximum loan that can be sanctioned to Mr. Rahul on the basis of Income? a. 12 times of NMI b. 1.2 times of NMI c. 18 times of NMI d. 1.8 times of NMI

What is the minimum monthly income required for guarantor for NRI car loan? a. Rs. 1000 per month b. Rs.10000 per month c. Rs.25000 per month d. No income stipulation for guarantor.

Mr. Sanju is a salaried person and want to purchase a bike costing Rs. 4 lakh ( exshowroom price) and approaches the branch. He wants to avail maximum permitted loan for maximum repayment period as per banks scheme. Assuming NAI of 8 lakhs, what is the EMI NMI ratio for the proposed loan of Mr. Sanju? a. 50

b. 60 c. 65 d. 70 The loan proposal of Mr. Sanju may be considered under which variant? a. High Value Super Bike b. Assured Bike Loan c. Bike Loan Heavy d. Bike Loan Lite

What is the minimum loan amount for this product? a. 2 lakh b. 2.5 lakh c. 3 lakh d. 4 lakh

What is the minimum repayment period that can be sanctioned to Mr. Sanju? a. 8 years b. 7 years c. 5 years d. 4 years

Hoe much maximum loan that can be sanctioned to Mr. Sanju, considering th mandatory margin requirement? a. 75 % of ex showroom price b. 85% of ex showroom price c. 75% of on road price d. 85% of on road price.

Mr. Narayan aged 50 years, is running a business unit for last 15 years and most of his business is cash and carry. Mr. Narayan does not file IT returns. He is around 50 years and staying in his ancestral home. He approaches you for a car loan of Rs. 5 lakh.

The loan proposal of Mr. Narayan may be considered under which variant? a. High value super bike b. Assured car loan c. Certified pre-owned car loan d. Car loan Lite

Under the particular scheme pre-sanction survey of Mr. Narayan’s residence and business site will be conducted by a. verification agency b. bank officials c. either 1 or 2 d. both 1 & 2

What is the stipulated margin for this product? a. 10% on road price b. 15% on road price c. 25% on road price d. 5% on road price

What is the maximum repayment that can be sanctioned to Mr. Narayan? a. 8 year b. 7 year c. 5 years d. 4 years

How much maximum loan that can be sanctioned to Mr. Narayan under the scheme? a. 3 lakh b. 4 lakh c. 5 lakh d. no loan can be sanctioned without income proof.

Mr. Raman aged 70 years is the sole proprietor of hardware business unit. He is maintaining substantial deposit with your branch. He approaches you for a car loan of Rs.8 lakh. However, on verification his CIBIL data score was found to be 580 What is the maximum age limit foe assured car loan? a. 67 years b. 70 years c. 80 years d. no upper age limit

Whether Mr. Raman is eligible for car loan, if so, which variant he is eligible.? a. No, Mr. Raman is not eligible for car loan as his age is 70 years b. Yes, Mr. Raman may be considered under Assured car loan scheme c. Yes, Mr. Raman may be considered under Loyalty car loan scheme. d. Mr. Raman’s CIBIL score is very low he is not eligible for any loan.

What is the minimum age requirement for offering SBI Assured car loan? a. 18 years b. 21 years c. 24 years d. 30 years

Mr. Raman has requested for car loan of Rs. 8 lakh (100% finance). Whether branch can sanction 100% finance under the specified scheme.? a. Yes, 100% finance can be sanctioned provided he is able to provide 100% fixed deposit equivalent to on road price of the vehicle. b. There is no benefit, instead Mr. Raman can go for overdraft against the deposit. c. No, 15% margin to be maintained as per the scheme. d. Yes, with prior approval from DGM (B&O) , 100% finance can be grated.

Housing Loan Mr. Ganesh aged 40 years had availed housing loan of Rs.50 lakhs from our bank during April 2016 jointly with Mr. Hari (brother of Mr. Ganesh) the present balance outstanding is Rs.35 lakhs. Mr. Ganesh Want to perform his daughter’s marriage and was in need of money. He approached the branch and requested for sanctioning personal loan in his individual name. Mr. Ganesh Has been banking with Great branch for past 5 years. What is the maximum repayment can be considered under top up home loan? a. 30 years b. 15 years c. 26 years d. none of the above Which loan product can be sanctioned to Mr. Ganesh and whether it can be sanctioned in his individual name only? a. Home Loan Top Up, branch cannot consider the request of Mr. Ganesh alone as the housing loan was availed jointly with Mr. Hari b. Home Loan Top Up, branch can consider the request of Mr. Ganesh as he is the principle borrower. c. Express credit scheme, branch can take a third-party guarantee and allow Mr. Ganesh while availing loan. d. None of the above. Whether top up loan can be sanctioned to Mr. Ganesh for meeting expenses connected with performing his daughter’s marriage? a. Home top loan can be considered only for house related purpose. b. Top up loan can be considered for any personal purposes other than business and speculative purpose. c. Top up loan can be sanctioned for personal purposes with prior approval from the controlling office. d. Top up loan can be sanctioned for any purpose including business requirements. What is the EMI NMI ratio if the loan is above Rs.10 lakhs? a. 0.55 b. 0.60 c. 0.70 d. 0.75 Whether mortgage of home loan to be extended as security for new top up loans?

a. Yes, to be extended for all top up loans b. Category I c. Category II d. No such classification

Shri Ganesh a Government servant having pensionable service approached Shri Farhan, newly posted credit officer of City branch requesting for home loan. He is aged 50 years. Mr. Farhan not knowing which product to offer to Shri Ganesh approached the branch manager. -What is the maximum repayment period that can be extended to Mr. Ganesh in this product? a. 10 years b. 20 years c. 25 years d. 30 years -What type of facility can be offered to Mr. Ganesh? a. Term Loan b. Overdraft c. either term loan or overdraft d. both term loan and overdraft -What is the minimum loan amount stipulated for this product? a. 50000 b. 100000 c. 250000 d.1000000 -Which home loan product can be suggested to Mr. Ganesh? a. SBI Max Gain b. SBI Realty Home Loan c. SBI Privilege Home Loan d. SBI flexi Home Loan -What is the maximum loan available under this product? a. 10 crores

b. 25 crores c. 50 crores d. No maximum as it depends on EMI NMI ratio

Mr. Natraj aged 35 years is maintaining banking relationship with Ramnagar branch for the past 15 years. He has requested for availing home loan for Rs. 50 lakhs. His NMI is Rs.90000 and has existing car loan with EMI of rs.3000. EMI for Rs. 1 lakh for the proposed loan is Rs.860 and EMI NMI is stipulated is 50%. Mr. Natraj has some queries on availing home loan. -What is the minimum age requirement for availing home loan? a. 18 years b. 21 years c. 24 years d. 30 years -What is the maximum repayment period that can be extended to Mr. Natraj for availing home loan? a. 15 years b. 20 years c. 25 years d. 30 years - What is the maximum loan amount eligible for Mr. Natraj as per EMI NMI ratio? a. 48.80 lakh b. 50 lakh c. 52.32 lakh d. 55 lakh - How many co-borrowers can be added for arriving the loan eligibility? a. 1 b. 2 c. 3 d. 4 - What is the maximum age for availing Home loan? a. 55 years

b. 60 years c. Repayment of the loan should be completed before the borrower attaining the age of 70 years. d. 70 years Mr. Vikram aged 45 years, is an NRI customer and banking with SBI for the last 5 years. He had applied for home loan for purchase of 3 BHK apartment of Rs.80 lakhs. He has given power of attorney t Mr. Abhishek. Mr. Vikram has sent you email enquiring the detail of banks home loan scheme for NRIs. -Individual (S) over 18 years of age with steady source of income are eligible for NRI home loan. Which type of individual among the following are eligible for the same.? a) who are non-residence Indians (NRIs) holding a valid Indian passport. b) who are the person of Indian origin (PIOs) holding a foreign passport. c) A person registered as overseas citizen of India and holding OCI card and foreign passport. a. only either a or b b. only either a or c c. only either b or c d. Any individual from either s or b or c -What is the minimum loan amount for availing NRI home loan? a. 3 lakh b. 5 lakh c. 10 lakh d. no minimum stipulation -What is the maximum repayment period that can be sanctioned to mr. Vikram? a. 30 years subject to stipulation that the loan should be liquidated by the age of 60 years or by the age of retirement whichever is earlier. b. 25 years subject to stipulation that the loan should be liquidated by the age of 60 years or by the age of retirement whichever occurs earlier. c. 30 years subject to stipulation that the loan should be liquidated by the age of 70 years or by the age of retirement whichever occurs earlier. d. 25 years subject to the stipulation that the loan should be liquidated by the age of 70 years. -What is the LTV ratio if the loan amount is above 75 lacs for non-salaried customers? a. 0.65

b. 0.70 c. 0.75 d. 0.80 -Which type of facility is extended to the above product? a. Term Loan b. Overdraft c. either term loan or overdraft d. demand loan Mr. Tarun is an existing home loan customer of SBI. He had availed home loan in the year 2016 for a period of 20 years. Present outstanding in-home loan account is 34 lakh. The conduct of account is satisfactory. He has been provided with INB facility. Recently he got SMS from the bank informing that he is eligible for top up loan. He approached the branch enquiring about the detail. His CIBIL score is 720. He needs financial support of 3 lakh. He enquired the features about the facility with the credit officer. -What is the type of facility extended to the above product? a. Term Loan b. Overdraft c. either term loan or overdraft d. demand loan -What is the maximum loan eligibility under this product? a. 5 lakh b. 10 lakh c. 15 lakh d. 20 lakh -Mr. Tarun is eligible under …………. scheme of SBI home loan? a. SBI Insta Home Top Up Loan b. SBI home repair and renovation c. SBI flexi Home top Loan d. SBI Maxgain Home Loan

-What is the minimum loan eligibility under this product? a. 1 lakh b. 2 lakh c. 3 lakh d. 4 lakh -What is the eligibility to avail this product? a. Minimum residual tenor of home loan of 5 year b. CIBIL score 700 or higher c. Satisfactory track record of 3 years or more d. All of the above. Mr. Suraj approached City branch of SBI for availing the home loan of Rs.60 lakh for purchase of new residential property at Baleshwar worth Rs.80 lakhs. He proposes to sell one of his un-encumbered landed property at Tenaya to meet the margin for new house and also registration cost of new house. However, sell of the old property is expected to happen after 1 year only. He requested the branch manager for support in this regard. Please analyze the situation and suggest any suitable product for the customer. -What is the maximum period of repayment as per the specified home loan scheme? a. 1 year b. 2 year c. 3 year d. 5 year. -Which type of facility that can be extended under the scheme? a. Term Loan b. Overdraft c. Either term loan or overdraft d. Demand loan -Which home loan product will be suitable to the requirement of Mr. Suraj? a. SBI realty home loan b. SBI flexi home loan c. SBI bridge home loan d. SBI Maxgain Home loan

-What is the eligibility for availing the above product? a. The un-encumbered house-flat and intend to sell the existing home -flat for meeting temporary shortfall in cost of acquiring new home / flat b. The un-encumbered house-flat and intend to sell the existing home -flat for any personal purpose other than speculative purpose. c The un-encumbered house-flat and intend to sell the existing home -flat for meeting temporary shortfall in cost of purchasing another residential plots only d. none of the above. Mr. Dinesh, aged 26 years is employed in a famous IT company in Bangalore for past three years. He approached our XYZ in the city and requested for home loan of Rs. 70 lakhs to buy 3 BHK apartment in the city. -What is the minimum repayment period in this scheme? a. 10 years b. 15 years c. 25 years d. No minimum period. -Which is the suitable that can be marketed to Mr. Dinesh? a. SBI Max gain b. SBI Realty Home Loan c. SBI Privilege Home loan d. SBI flexi Home Loan - Eligibility of Mr. Dinesh as per EMI NMI is 60 lakhs, as per standard housing scheme of the bank. He has requested for Rs. 70 Lakh as home loan to buy the proposed house, can we consider his request? a. Loan beyond eligibility as per EMI NMI cannot be sanctioned. b. As the track record of the customer and CIBIL rating are excellent, request can be considered with approval from controller. c. As per SBI Flexi HL scheme, loan eligibility will be 1.2 times of normal EMI/NMI eligible amount. Hence request for Rs.70 lakh can be considered. d. None of the above. -What is the minimum age required for this product? a. 18 years b. 21 years c. 25 years

d. No minimum age stipulation Mrs. Aishwarya is running a proprietary firm and maintaining current account with City branch. She owns a residential un-encumbered property value Rs. 90 lakhs. She has requested a loan of Rs.30 lakhs to meet the expenses in connection with her daughter’s marriage. She has submitted the income tax returns with net annual income of 5 lakhs. -Which type of facility extended to Mrs. Aaishwarya? a. Term Loan b. Overdraft c. Demand loan d. cash credit -What is the minimum NMI/ NAI required for this product? a. Rs.25000 per month/ Rs.300000 per annum b. Rs.20000 per month/ Rs.400000 per annum c. Rs.50000 per month/ Rs.600000 per annum d. Rs.10000 per month/ Rs.200000 per annum - What is the maximum repayment period of this product? a. 10 years b. 15 years c. 20 years d. 25 years -Mrs. Aaishwarya requested repayment period of 3 years. Can we sanction loan against property with repayment period of 3 years? a. Yes, can be sanctioned for repayment as per borrower’s request. b. No, Minimum repayment period of the loan scheme is 4 years c. No, Minimum repayment period of the loan scheme is 5 years d. Yes can be sanctioned for repayment with approval of controlling office. -Which scheme will be more suited to Mrs. Aaishwarya? a. SBI Loan against property b. SBI Bridge Loan c. SBI Assured Loan d. SBI Flexi Loan