Banking News

Congratulations for your Success in JAIIB

 One of our subscriber has shared his experience:

 

गुरूदेव ये आपके ही बदौलत प्राप्त हुवा है ।

पैर छूकर आपको प्रणाम है आजीवन हम आपके जबरा फैन रहेंगे।

 

- Ramesh Babla (CRGB)

 

Congratulations for your success.

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What is SDF Facility (Standing Deposit Facility)

 What is SDF Facility :  

SDF एक सुविधा है जिसके तहत अधिशेष तरलता सोखने के लिये किसी भी प्रकार की जमानत (Collateral) की आवश्यकता नहीं होगी। वस्तुतः जब बैंकों को अल्पावधि के लिये धन की आवश्यकता होती है तो वे RBI से रेपो रेट (Repo Rate) पर उधार लेते हैं, जिसके लिये उन्हें सरकारी प्रतिभूतियाँ (Govt Securities) गिरवी रखनी पड़ती हैं। इसी प्रकार, जब बैंकों के पास अधिक राशि होती तो वे उसे RBI में रिवर्स रेपो रेट (Reverse Repo Rate) पर जमा करते हैं। यहाँ भी सरकारी प्रतिभूतियाँ जमानत का काम करती है। SDF इसी प्रकार की सुविधा है लेकिन इसमें किसी जमानत (Collateral) की आवश्यकता नहीं होती है।

 

जब बैंको के पास जरूरत से ज्यादा पैसे होते हैं तो वे रिवर्स रेपो रेट के तहत आरबीआई के पास पैसे रखते हैं इस नई योजना एसडीएफ शुरू होने के बाद बैंको को अपना अतिरिक्त पैसा आरबीआई के पास रखने के लिए एक नई सुविधा उपलब्ध होगी और इस योजना पर बैंको को 3.75 फीसदी ब्याज मिलेगा इस फैसिलिटीज का फायदा उठाने के लिए कोलैट्रल सरकारी प्रतिभूतियों की जरूरत नहीं पड़ेगी तो इस तरह से स्टैंडिंग डिपॉजिट फैसिलिटीज एसडीएफ केंद्रीय बैंक की टूलकिट का अहम हिस्सा भी बन जाएगा

The Reserve Bank of India (RBI) has introduced the Standing Deposit Facility (SDF), allowing banks to park their excess funds at a higher rate but without taking any collateral from the central bank. Bankers said the RBI's move will push overnight rates higher and make the reverse repo rate redundant for now.

 

From dated : 08.04.2022

 

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Latest Interview Questions for coming promotion exam

 Latest news related to RBI for Interview preparation:

 

1.standing deposit facility.
2. Forex intervations operations of RBI
3. Rising Inflation can impact economic growth
4. What are Microfinance loans
5. What do you mean by dollar-Rupee SWAP mean
6. What exactly is stagflation and its cause and the present situation of Indian economy
7. In budget ,GOI has used a new term “Effective capital Expenditure”.What do you mean by
effective capital expenditure.
8. How One district One products works
9. Difference between Certificate of deposits and deposit of certificate
10. What is good about a BAD Bank
11. What is Tokenisation
12. How MSP demand would cost govt
13. Is the Crypto asset boom sustainable
14. Integrated Ombudsman scheme 2021
15. PCA Framework Revised
16. What is Reinsurance and Coinsurance
17. What is Sweat equity
18. What is AMRUT 2.0
19. What is Electronic gold receipts
20. What is special economic zones
21. What is the extent of India’s Coal crisis
22. What are new tools used by IDBI Bank to improve the asset quality
23. RBI Planning a digital currency in India
24. Pre-pack resolution of MSMEs
25. WPI inflation remains High, Impact to Indian economy. How RBI will handle the situation
26. What lies ahead for IBC and stressed asset resolution
27. Benefits/Disadvantages of Privatisation
28. RBI Financial stability report December 2021
29. RBI Monetary policy and Transmission
30. What is variable rate reverse repo ( VRRR)
31. NARCL and IDRCL
32. The Insolvency and Bankruptcy code (Amendment) bill 2021
33. What is crypto currency
34. E-Rupi , The new digital payment instrument
35. TReDS-Trade Receivable E-Discounting system
36. How to reduce SMA & NPA in Bank
37. What is Red flagged account and how EWS-Red flagged account works in IDBI?
38. What are the various sources of Income of RBI
39. Why the prices of Covid-19 vaccines are different for central govt, state govt and private
players
40. Insurance amendment bill-The need of the Hour
 
Shared by one of aspirants.
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Important Interview Questions for Banking Promotion Exam

 Some Important Interview questions /Topics for Coming Promotion:

 

1. What is the difference between WCTL(Working capital term loan) and FITL (Funded Interest Term loan).
 
2.What is packing credit finance ?
 
3.What is the guidelines by RBI to banks wrt Working capital demand loan.
 
4.How drawing power calculated in CC accounts
 
5.What do you mean by SPREAD wrt Loan accounts
 
6.What is the difference between Primary security and collateral security.
 
7.What are the Assets which cannot be taken as security.
 
8.different  modes of charging securities ( Lien,Hypothecation,pledge,, Assignment,Mortgage)
 
9.What do you mean by Charging of securities, Difference between Fixed charge, Floating charge and Pari passu charge
 
10.Different types of Mortgages
 
11.Why Legal audit required in Banks and what is the guidelines wrt to Legal Audit
 
12.which are the Bank deposits , where Loan cannot be given
 
13.What is the meaning of surrender value in LIC policy/Insurance policy
 
14.Questions on Capital Market securities and government securities
 
15.Qustions on Balance sheet  analysis.
 
16.Latest modification wrt Credit audit
 
17.Questions about Sajag/EWS/ LRM /Red flagged accounts etc
 
18.Profit and Loss statement
 
19.Different tools for Collection/Recovery
 
20. SMA /IRAC/FTNPA/Provisioning/ NPA /CRILC
 
21.PL Statement and operating statement
 
22.Ratio analysis and cash flow statement
 
23.Working capital assessment
 
24.Risks involved in Banking Business and Exposure limits
 
25.BASEL norms and BASEL III on liquidity standards
 
26.Management of stressed assets/ NPA management/ DRTs/ sarfaesi/ NCLT etc
 
27.Insolvency and Bankruptcy code
 
28.Money market borrowing instrument and Money market investments
 
29.Credit ratings and agencies
 
30.capital market and its participants
 
31.Priority sector lending
 
32.Govt sponsored schemes 
 
Shared by one of aspirants 
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Happy Akshaya Tritiya

 Happy Akshaya Tritiya 

 

"May this Akshaya Tritiya light up for you the hopes of happy times and dreams for a year full of smiles! Wishing you a very Happy Akshaya Tritiya." Just Keep Learning ...

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Happy Eid

Happy Eid ???? 

"May your Eid be filled with peace, love, and joy.

Wishing you a wonderful Eid full of happiness and joy."

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Happy Holi 2022

 Happy Holi 

 

Banking Gyaan Kendra wishes you a very Happy Holi. Stay connected with us for regular Colourful Banking Knowledge. Please visit your store button on home page for promotional materials.

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Happy Republic Day 2022

Happy Republic Day 2022 

"सारे जहां से अच्छा हिंदुस्तान हमारा, हम बुलबुले हैं उसके वो गुलसितां हमारा,

परबत वो सबसे ऊंचा हमसाया आसमां का, वह संतरी हमारा वो पासबां हमारा!"

 

Best wihes from,

Vijay Banka

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Happy New Year 2022

The New Year brings the new possibilities.

नया साल अपने साथ नई संभावनाएं लेकर आता है। अपने लिए लक्ष्य निर्धारित करने का यह सबसे अच्छा समय है, और यदि नहीं, तो आप खुद को नई शुरुआत का आनंद लेने की खुशी दे सकते हैं। इसके अतिरिक्त, आप अपने अतीत के विषाक्त तत्वों को अलविदा कह सकते हैं और अपने आप को उन चीजों और लोगों से घेरने का संकल्प ले सकते हैं जो आपको बेहतर होने के लिए प्रेरित करते हैं।

 Happy New Year 2022

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Memory Collected Questions - Bank of India - Exam dtd. 26.12.2021 (Clerical to Officer)

 Thanks to Dear Rahul ji for sharing some Memory Collected Quesions

My Blessing for you.

 

Memory Collected Questions: Bank of India : Clerical to Officer : Exam date : 26.12.2021

 

(Shared by participants)

 

1Which is not Under negotiable instrument : Currency Note

2 Debit card automatically gets hotlisted for how many mnth? Correct Answer is 12 Months

3. Pan check verification: panchk

4. Ppf link for details banking: ppfmnt but acording to sandipani this menu disable

5.Star Sunidhi Min Amount: 10000

6. senior Citizens saving scheme min Amnt: 10000

7 BCP maintain n reported by: bm

8. BCP meeting to be conducted? My Answer Quarterly

9.Star Mitra for Saleried-Correct Answer 2lakh

10.Star Mitra for self-employed: 1lakh

11.Educatiom loan limit to consider under priority Sector: 20l irrespective of place

12. Travel card menu: TC Card and Correct TCard

13 gift cardax limit: 10000

14 relodable card monthly max limit:50000

15. Fixed pay from which year: 01.11.1993

16. Search report for agriculture below 1cr: 13 years

17 agri priority sector target: 18%ANBC

18 agri with nil collateral limit: 1.6L

19 education loan with out collateral security is?Unsecured

20 Boi safe login : MMSID n Pwd

21 Circulars n Notice available in: Hindi and English and regional Language

22 FAtCa n cra registered under: income tex

23 The opening of New branch comes under which regulation : br act

24 reverse mortgage loan used for which purpose : senior citizen addition income

25 Relationship btw clering chq collecting bank and customer: Trusti & Beneficiary

26. Relationship btw customer n bank for locker: Lessor n lesser

27. Net NPA: 2.79%

28. net Interest Income: 3523

29. total Business mix: 1031856

30 . Gross Advance: 4188895

31 SB plus in multiples of: 25k

32 Rakshak account is for: Police personnel

33 .under star token which facility is not available:  RTGs

34  Star toke ng can be Available For: retail custmer

34 UTR full form: Unique Transaction Reference No

35. FAtCa Full form: Foreign Account Tax compliance Act

 

Please Login for more memory collected questions : www.bankinggyaankendra.com

 

All the Bests

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Merry Christmas

 Merry Christmas - 

I wish you a season filled with happiness and merry-making. Merry Christmas to you and your family.

 

Happy Learning

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Special Classes at Patna

Special Classes at Patna - Five Days Trending Banking Promotion classes Special Session.. Rejoice and learn with full of positivity. Hurry up !
 
 

 

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Live Zoon Classess

 Live Zoom Class - 

Great News Dear Team,

Now you can live zoom classes on alternative days for prepartion of your coming exam. You can find the recording of the sam on the store button in your home page at" Banking Promotion Exam" course. Pl contact :9993335584 for more details. Just be with us & keep learning.

 

All the Bests

Team

Banking Gyaan Kendra

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Special Sessions for Promotion Exam -UBGB

 Dear Team,

 

Special Sessions for Promotion Exam

 

UBGB

 

All the Bests

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Zoom Live Session

 Zoom Live Session - 

Dear Team, We are conducting the Zoom Live session on alternate days. Please join the session and enjoy the learning.

Just keep Learning..

All the Bests.

 

 

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- सफलता की उड़ान -

 सफलता की उड़ान - 

Three Days Marathon Banking Promotion classes Special Session..

 

Rejoice and learn with full of positivity.

 

Hurry up !

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छठ पूजा 2021 की हार्दिक शुभकामनाएं

छठ पूजा का पावन पर्व

करो मिलकर सूर्य देव को प्रणाम,

आपको मिले सुख-शांति अपार

छठ पूजा 2021 की हार्दिक शुभकामनाएं..."

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Happy Bhai Dooj

 Happy Bhai Dooj - Celebrate your Bhai Dooj with some special learning for your desired success.

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