Sunday, 12 April 2020

MANAGING STRESS .Very useful Article

MANAGING STRESS ::


Adult life seems to be full of fun and unlimited possibilities. You can go wherever you want, do whatever you want, and never think about consequences. But when you grow up, you understand that there is nothing fun about being an adult. You have thousands of responsibilities, hundreds of daily tasks to accomplish, and the consequences are the only thing you can think about. You may live in the state of permanent stress. You have no right for a mistake. You have no time for having rest. You can’t tell someone that you cannot handle your problems. You need to be strong, you need to work hard, and you need to find a solution to every problem that appears.

Stress in Modern Life

With every year, the level of stress increases. Unfortunately, no one is surprised today when a 30-years old person has a stroke. The situation becomes worse: even children suffer from stress. They have sleep disorders, problems with concentration and nutrition, and they do not even understand that the reason for this lies in the habits of their parents and surrounding society. It seems that for the next generation stress will be the next cancer.
Still, today we can handle the stress. It requires time, attention, and effort, but the results – strong mental and physical health – are totally worth it. There are several approaches to stress management. These approaches can be divided into two large groups: something that you can do to decrease stress level at the current moment and methods that you need to introduce into your life and make them your habits.
Change Your Life to Get Rid of Stress
Of course, you cannot eliminate stress from your life for good. For our bodies, a stressful situation is everything that makes us feel uncomfortable. Your stress management will be more effective if you build stamina and make your
body and mind strong. Thus, you can prevent the negative effects of stress.
Everyone will experience stress in different aspects of their lives; it may be at work, with their family, or with their health. However, whatever might be the cause of your stressful day, it creates the same effect on your body, mood, and even on other people.
Life is full of hassles, demands, and if people don’t meet expectations or deadlines, the tendency is that our mind will be exposed to chaotic thinking and tiredness. This is how stress come out that can generally invade and ruin the enjoyment of your life. For many people, stress is a normal part of life that usually appears in everyday situations. Stress isn’t always bad; however, dealing with stress is usually not good. Mild stress can help you deal with pressure and motivate you to do your best and finish your work before the deadline.
Stress is a normal physical response to events that make you feel threatened, upset, and anxious. It may seem that there’s nothing you can do about stress. However, difficulties in dealing with this emotion may result in risk and danger to your health, physically and mentally.
Anyone experiencing stressful situation may be at risk of losing control of their emotions, which sometimes could ruin your ability to make decisions rationally. How to know if the anxiety is too much in dealing with your stress? How important is it to gain a deeper understanding about stress and what are the necessary things to do when dealing with such emotion? Feelings such as worry, and anxiety are just some of the common results of stress. Being stressed is sometimes healthy in order for a person to be alert and act. However, there are certain points in human life, where people cannot manage dealing with their stress.
Stress management effectively starts with identifying the sources of stress in your life. At first, it may not be easy as you may tend to overlook your own stressful feelings and behaviour. However, providing a solution to a problem always starts with identifying the problem or cause. The best

remedy for stress is self-examination and taking significant actions that can definitely help you lessen your worries and fears. Examples include taking a break for a few minutes to practice some deep-breathing exercises, relaxation, and entertaining yourself like going for a walk or going shopping. These are just a few examples that can usually help people ease their stressful day. In addition, if you cannot remove the stress, remove yourself. If you are not getting along with your company, it is important to slip away and find a new sanctuary to work in.
There are several negative effects of stress on your health such as an upset stomach, recurring colds, headaches and insomnia. If you are having difficulty dealing with stress, it would also be best to seek professional help from a doctor or therapist.

TIPS FOR REDUCING THE STRESS

Below are a few tips on what we can do to reduce stress in our life.
1. Healthy Nutrition
We are what we eat. If your daily meals consist of fries and other fast food, you have severe problems with nutrition. A person needs to consume not only enough calories (fast food has too many of them, causing obesity) but also enough elements and vitamins. When you consume good food, your body receives enough energy to be productive all day long and build the important connections between your blood, cells, and the nervous system.

2. Regular sports
If you suffer from stress regularly, you need to change your daily activities. The best way to get rid of stress (and prevent it) is regular sports classes. It does not matter what type of class you choose, swimming, gym or yoga, you just need to make your body move. While moving, our endocrine system starts to produce hormones helping to lower the impact of stress. Besides, if you feel stressed right here and now, you
can also use sports as the way to manage stress.

3. Meditation
If you are looking for simple ways to fight stress, then regulating your breathing can help. Our breath is a natural and most important function of life and carries vital life energy. It is a known fact that if we stop breathing for long enough, then we die. Despite this fact, most of us take our breathing for granted and rarely stop to think about it. Find out how breathing properly can help to relieve symptoms of stress and calm and relax your mind.
When we are stressed, our body responds in preparation for "fight or flight" and we suffer various symptoms such as sweating, increased pulse rate, racing heart, and fast, shallow breathing. In earlier times this was necessary for our survival when hunting or protecting ourselves. However today it is usually only our perception of danger or negative thoughts that produce this reaction, so the body has few ways to deal with the effects.
Regular attacks of stress and anxiety start to turn our fast, shallow breathing into a habit. They may decrease our ability to breathe properly and could leave us with breathing difficulties such as asthma. Often in today's society, we do little aerobic exercise and therefore we rarely breathe deeply. Our breathing simply becomes shallower than it needs to be as a matter of habit.
Just as stress and other states of mind affect our breathing, the way that we breathe affects our state of mind. When we breathe, we are taking in oxygen through the lungs to the brain and the cells in the body. Shallow breathing can affect the amount of oxygen circulating in the body. This makes us feel sluggish. The way we breathe also affects the amount of energy in our bodies. When our breathing is irregular and erratic, we are likely to feel lacking in energy.
Of course, it is not just the body that is affected by the way that we breathe but the mind also. For centuries disciplines such as yoga and meditation have involved using the breath as part of their
techniques. Use of the breath is an important part of performing yoga postures. Breathing meditation is common to calm the mind as part of preparative practices for meditation. Breathing meditation consists of watching the breath as we breathe in and out whilst trying to ignore all other distractions to the best of our ability. Concentrating on the breath has long been known to quiet and calm the mind.
In the same way as used in meditation, breathing exercises can be used to fight stress and quiet the mind and body. These are great because they are simple and free, and you can do them anywhere. Simply concentrating on our breathing whilst drawing deeper, slower breaths can help us to relieve stress and relax our minds. Breathe deeply through your nose and feel your diaphragm move. Watch the breath coming in and going out. Try to ignore all other distractions.
When you breathe, allow yourself to enjoy the experience of being a living being. Mostly we forget to do this and move through life very unconsciously. When we can quiet our minds, we can find peace and receive insights and access to our subconscious. Only when we become conscious of how we breathe, can we start to correct this.
So, to fight stress and find more energy, try watching your breath to make sure you are breathing efficiently. Get into the habit of taking deeper breaths. Improve your breathing through breathing exercises and regular aerobic exercise. Breathing properly will help you to cope with stress and improve your well-being.
Ability to calm down your mind and keep your emotions under control is precious. Regular meditations help to find out methods to remain calm and preserve a clear mind in different life situations. Meditation is the habit that will change your life even more dramatically than quitting smoking or drinking alcohol. First of all, it will help you release your hidden potential. You will be able to find answers to the questions that have been bothering you for a long time. You will be able to understand what exactly you want. You will learn how to listen to yourself and how to use this knowledge in your further life.

4. Sleep at Night
Night sleep is a key element of your strategy to prevent negative effects of the stress. At night, our bodies produce the most important hormones that help us beat stress. If you sleep in the daytime, your body cannot sufficiently perform its functions. Besides, you need to sleep at least 6 hours to give yourself time to have a rest and relax.

5. Positive Thinking
Stress ruins our mental health. To prevent that, you need to teach your mind to be strong and believe in the best outcomes. Positive thinking is an easy and effective way to enhance your mental health and make it ready to beat any complication or challenge. If you feel that you can no longer take your emotions under control, give yourself a break. Try to get rid of all negative thoughts and start thinking about positive moments. Imagine that you are sitting on the shore of the ocean, observing the waves and listening to nature. Or remember your childhood when mom’s smile made you the happiest person in the world.

6. Be Pro-Active
Lazy people suffer from stress more frequently than those who have an active life. If you have something to do, you do not have time to make up problems and think about them. Each time you notice that stress level is rising, start doing something that requires effort and concentration from you. For some people, the best solution for stress is to work with their hands. Other people prefer to delve into studying or investigation. Try different methods to understand what works perfectly for you.
Another approach that will help you beat the stress is to learn something new. However, you need to be careful with this approach. First of all, the theme should be interesting, and
secondly, you should not get irritated when you cannot cope with some new tasks

7. Do What You Like
It has been noticed that students who admire writing do not suffer from writing an essay. They do it easily in comparison to the students who do not love what they do. If you notice that everything in your life creates additional stress, change what you do. If you admire writing but work as an accountant (and you actually hate your job), quit it and give a try to writing different types of thesis statements for a magazine. If you cannot quit the job, introduce your hobbies to your life and make them more important than the things you do not like at all. Of course, it is difficult to change your approach to life in a couple of days. But you need to work on it to get rid of the stress and make your life more comfortable.
Stress should not be your friend. It should not guide you through your life and spoil its best moments. You need to take your life under control and make it better. Develop a habit to fight against stress and find the ways to eliminate it from your life. These 7 tactics will help you choose the right way to beat this problem and enhance the quality of your life.

AFB - Recollected questions posted by our members 17.11.2019

AFB - Recollected questions posted by our members 17.11.2019
1.who can open a current account
2.concept of conservatism
3.straight line method book value problem
4.kyc low risk medium and high risk
5.Gold loan ltv ratio
6.npv problems
7.a indian bank branch in foreign country quotes fe in 1US$=1rupee.
Whether it is a direct quote or indirect quote.
8.collection period denominator
9.collection period problem
10.matching concept
11.calculate capital.assets and liabilities given
12.adjustment entry
13.purchases account
14.coupon rate
15.bank reconciliation statement is prepared by whom a.auditor b.bank etc..
16.revenue receipt
17.promissory note is prepared by whom
18.publication of balance sheet
19.which is not a accounting ratio
Solvency,profitability, activity,etc
20.stock turnover ratio
21.types of company on ownership
22.journal
23.double entry system
24.functions of back office
25.operational manual is available in which of the following
Social media,banks website,internal portal
26.banking is defined as per which act
BRA,Rbi act..
27.small accounts.aggregate credits in a year
28.example of a debit voucher
29.example of credit voucher
30.inoperative account

Recollected questions Jaiib legal on 24.11.2019

Recollected questions Jaiib legal on 24.11.2019
1. District forum headed by....
2. DRT is headed by.....
3. RBI pays interest on CRR.....
4. Limitation for suit case ..
5. Defferd payment guarantee ...
6. Banks can invest in other co shares up what percentage.
7. Mininmun number of directors in public and private co...
8. Back to back LC....
9. Indemnity comes in which act....
10. Case study for cheque payment
11. Choose correct answer among option where bank gets protection ...
12. Documents of title goods ...
13. After Lok adalat where one can file suit ... None
14. National commission: age for presiding  ofdicer and his tenure .
15. Acts of negotiable instrument
16. Characterstics of FEMA
17. Pay as u earn realtes to which tax.
18. Equitable mortgage
19. LIC policy again loan called assingment.
20. Case study to determine which type of charge is created.
21. Relationship with bank and costmer in case of safe deposit locker.
22. No of parties involved in LC, Gurantee
23. Loan against FD of other deposit is given or not.
24. Loan against shares and debnuture, charge created called.....
25. FEMA is regulated by...

26.10.2019 IT SECURITY MEMORY BASED RECOLLECTED QUESTIONS

IT SECURITY
***********
Giv priority to Technical terms...
***************
26.10.2019 MEMORY BASED RECOLLECTED QUESTIONS
Salomi technique

Accountability- biometric login wat d user has/knows/is

Access control
Access privilege

Maker checker principle

Ciso/cfo role

Anti piracy

Thteat/vulnerability/impact

RFID radio frequency identification

Perimeter security

3 most common metal detector

Fire extinguishers

E waste

BYOT/BYOD /work from home

Commonly used sever

Router/modem/switch/gateway

White box/black box testing

Alpha/beta testing

ISO certfctn standard specifctn

COBIT

STEGNOGRAPHY/RANSOMWARE/CYBER TERRORISM/SOCIAL ENGG

DOS/DDOS

CAPTCHA

MALWARE/SPYWARE/ADWARE/ROOTKIT/BOTNETS

FASTFLUX/STUXNET

HOTSITE/WARMSITE/COLDSITE

IS AUDIT QUALIFCTNS

GUIDELINES FOR FRAUD PREVENTION

FSDC

Recollected questions international banking on 22.12.2019

International banking recollected question

Recollected questions international banking on 22.12.2019

1. mire than 15 questions in exchange rate calculation
2. Role of WTO
3. who is implementing Fema
4.wat are short term ecgc policy
5. wats s specific policy
6. baloon repayment
case study problm on l.c and cancellation and firward contract boking calculation
case study on int rate swap problm
FRA
Hiw int rate s fixed in loan against FCNR b. wether it can b given against funds in Nre

wether bank can int rat indepndently or as per RBi guidelined or certain rste over MCLR
amount repartiable from Nro to Nre
wether full amount can b repartiated in NRE acc
what s not role of exim bank chice are buyers credit, supplier credt, syndication loan
wat is time for scrutinixing documents choices r 5 working days 5 calender days 5 banking days

if due date falls on friday which s a holiday due to bharsth bandh wen it will fall due wether on sunday or saturday etc..
Deep question on advising bank wether once it is advised another advice s possibl.or not

study throughly role of front office back office mid office 3 case study wuestions

leading and laggingp

case study on Adr in role of banks invp

to chose the from choice which is capital account trabsavtion

Nri are not alowed to invest in Transferabl trading rights

Retail banking recollected questions on 22.12.2019

Retail banking recollected questions on 22.12.2019


Today retail banking exam memories based question.
Carpet area
Bharat bill payment.
Present value.
EMI
Products
SMA
SEGMENT AREA.
GEOGRAPHICAL AREA.
PREPAID CARD LIMIT. AND CASH LIMIT.
RTGS AND NEFT DIFFERENT.
Hosuing loan case study.
Car loan case study.
Propagate full form.
Mobile banking questions.
Mutual fund business. By bank.
Debit card complain.
Hacking net banking or debit card what type of risk.

Certified Risk management recollected questions on 28.12.2019


Certified Risk  management  recollected questions on 28.12.2019


1. Calculate geometric mean, harmonic mean.
2. Question on probability related to card.
3. Calculation of duration, mod duration and convexity.
4. Problems on forex. Spot rate given , buy and sell problem
5. Theoretical questions were also many
6. Gap calculation regard to net interest income.
7. Risk weight assets given. Calculation of cet 1, tier 2 and at 1. Tier 1 along with ccb.
8. Calculation of vertical disallowance, horizontal disallowance and capital charge of market risk.

Forex operations recollected questions on 23.02.2020

Recalled questions forex...

Forex operations  recollected questions on 23.02.2020


how many incoterms...
CIP meaning ...
Export registration valid for how many years...
Pre requisite for exporter importer (pan / IEC/ Registration with export promotion council)...
Duty rate in EPCG scheme?...
Back office front office middle office differentiation...
Normal transit period means ?
NTP for foreign bill...
Corporate donation can be done for which of the following purposes...
Gift from resident to non resident can be credited to which account ...
Hedging of ecb ...
Refinance of ecb ....
Ecb eligibility for startups ...
Short medium long term loans def...
Uniform rules for collection code number....
BPO three questions...
Docdex rules timeline for disposal of disputes
Ex works.....
counsel invoice...
Lc rules defined under which articles...
Rejection code in swift...
45a of swift form defines wat...
Ecgc whole turnover pc...
Forfeiting definition...
Definition of credit...
Meis sies schemes in FTP 2020...
GSTP which country not in list...
Duty drawback refund exemptions....
Date of export in multimodal transport...
Current account definition...
Prohibited capital investments...
Stale document in lc...
Bill of ladding on board definition....
Shipping insurance is not fully indemnified ...
High sea sales happens before ?..
High sea sales happens at ...
Export value will be taken at fob or cif under export schemes...
Direct transfer of documents between seller and buyer in case of preferential trade agreement countries...
How much maximum advance repayment in normal imports ....
How much maximum advance repayment in services imports...
Software export happens through which package....
Overdue bills liquidation at wat rate...
Overdue bills rate of interest after 360 days...
Lc is opened against ? Confirmed order / po confirmed by seller ...
Avalising meaning ...
Counselor invoice meaning

Msme recollected questions on 28.12.2019

Msme recollected questions on 28.12.2019

Investment in P&M, Equipment, Partnership, public and private limited company, Joint Hindu Family, Partnership, women entrepreneurs categories, ITCOT, US small business act, KVIC, SIDC, BCSBI loan application disposal time norm, venture capital fund, smera, cgtmse, angel funds, hybrid capital, collateral free loan, pmegp, red and green clause LC, back to back LC, 5 Cs, credit appraisal, ratios analysis and balance sheet related questions, nayak and other methods of lending,  risk types, PS targets, BDS, Tequp, RRTUFs, back ended subsidy, clusters, rehabilitation n restructuring, drt, arc, mudra, wto, clearancs for setting up unit,  items included in P&M etc... reading of entire book and updated changes is must.

Bcsbi recollected questions on 26.10.2019

Bcsbi recollected questions on 26.10.2019


1) Reason for termination of Bank customer relationship
2) where we can not perform right of set-off
3) net worth formula:
Capital + reserve - accumulated loss and depreciation like option
4) once a bearer always a bearer meaning
5) bank display on their website list of unclaimed deposit account:
Name and account no
Name and address
Name, address and account no
6) not a feature of social media marketing
Sharing experience
Giving opinion
Passive participation
Exchange of information
7) if 5L to 25 L loan then processing time
8) Active listening
9) quality of good listener
10) find odd one mobile banking services modes
IVR / SMS/ USSD/ STK Like
11) find odd one, features of holder in due course

12) find odd one, good delivery of services
Speed/ concern / accuracy  like that
13) wrongly issue credit card and charge 100. What BO will fine
100 + double the amount charged

Trade finance recollected questions::



Trade finance recollected questions::

2 marks qstn from ecgc,export promotion capital goods scheme. exim ,lc, eefc, urr725 ,pcfc
1 marks from forfating, factoring, pre and post shipment ,Fedai dutydrawback urc522 heckscher ohlin theory buyers and suppliers credit forward contract , lc., channel financing merchanting trade as well these topics in .5 marks qstn bid bondand performance guarantee currency and credit risk , wharfage documentry credit time period related qstn , status holder starhouse . SEIS , liberalized remittance . NEIA (national export insurance account), ssp, src. Scp related to ECIE-ST red clause


Micro finance 70 recollected questions



Micro finance 70 recollected questions



Q1.C.rungrajan committee on microfinance

Q2. Breath length and depth meaning.

Q3. Difference between poverty lending approach and financial system approach.

Q4. Microfinance focus on poorest of the poor.

Q5. Nabard and it's role.

Q6. Nationalization of banks and it's purpose.

Q7.IRDP programm substitute the SJGSY program.

Q8.what is facilitater and it's role.

Q9.what is GRT group recognition test and it's purpose.

Q10.one question on Money lenders.

Q11.break even analysis and CPV analysis 3 questions.

Q12.what is microcredit.

Q13.what is microfinance.

Q14. What is sustainability.

Q15 what is BRI bank Ryat Indonesia.

Q16 .what is unit diseas.

Q17.chikola group of Kenya is example of which model.

Q18.Difference between SHG and JLG model

Q19 detailed question on grameen bank model.

 Q20. What is SHG bank linkage model...

Q22. Assumptions of grameen bank model of Bangladesh.

 Q23.diffrence between direct cost indirectcost setupcost and cost of fund.

Q24 .capital=assets-liability.

Q25.for NBFC model minimum networth requires rs.5 crore.

Q26.malegam committee and its recommendation.

Q27.qualifying assets and its significance

Q28.what is most accepted and widely usedmodel of microfinance in india.

 Q29.what is ghostborrower or multiple lending.

Q30.details of BC model.

Q31.what is reckless lending.

Q32. Details of SHG2 model part2.

 Q33. What is refinancing.

Q34. National rural livelihood mission.

 Q35 .Swarn jayanti gramin Swarojgar yojna

Q 36.what is mutual fund.

 Q37. What is merchant banking.

Q38.details of Revolving Fund.

 Q39. Financial inclusion definition and scope.

Q40. What is kyc and it's purpose

Q41 .Illiterate person can open which type of exam.

Q42 .Difference between impact accessment and social performance.

Q43.what is social rating

Q44. What is minimalist and integrated approach.

Q45.what is micro Insurance.

 Q46. Role of SEBI.

 Q47.role of IRDA.

 Q48. What is cash flow statement

.Q49. What is flat rate of interest.

 Q50. What is travel expanses.

 Q51.what is operating expense Ratio.

 Q52. What is asset depricitation.

 Q53 what is accounting stanard 2

. Q54. What is average case load.

Q55. What is Target group.

Q56. What is PAR.

Q57. What is market risk.

Q58. What is bank rate.

Q59.what is reprising risk.

 Q60. What is riskmanagement loop

Q61 what is schedule and nonshedule bank.

Q62. What is human risk.

 Q63.what is operational risk.

Q64.what is merchant banker.

 Q65. What is trading in stock exchange.

 Q66.two questions on mutual fund.

Q67.three question on Break Even Analysis.

Q68. What is regulatory risk.

 Q 69.what is Repayment rate.

 Q70.trust and Trust feed and what NBFC banking Model and what is business Correspondent model (BC Model)...... these All are 70 Recollected Questions of microfinance held on 15 july 2018. best of luck to All


Certified credit professional exam review 28.09.2019


Certified credit professional  exam review 28.09.2019

Forfaiting ,factoring- 5Marks
IRR,NPV 5 Marks
Sarfaesi 1Mark
Cersai 2Marks
IBC 5Marks
LC MBPF 5Marks
Ratio 4 Marks

annual imports 2200 lakhs

fixed costs 70 lakhs
insurance 30 lakhs
customs duty 200 lakhs

EOQ 500 LAKHS

LEAD TIME 2 MONTHS
USANCE 5 MONTHS

CALCULATE NO OF LC'S REQUIRED
LC FREQUENCY
LC AMOUNT

GIVE ME SOLUTION PLS.
This question in today exam 5 Marks


Please read thoroughly Macmillan Book Bankers Hand Book on credit management and cover the follow topic:
Factoring and forfaiting,
CP, PSL, PSLC certificate,
5 marks on LC on EOQ based, numerical on ANBC, Ratio analysis, NPV, Payback period, NPV, IRR, Questions related to wc management, CR, Activity Ratio, CERSAI, MSME act, MSME Rehabilitation, credit monitoring, NCLT, CAP, IBC, Treds, margin on HL, etc..

Caiib BFM recollected on June 2019

Re-collected questions posted by our members Caiib BFM recollected on June 2019
--------------------------------------------

Theory based paper (60-70% theory)
1. Case study maculay and modified duration 5 marks
2. Case study on time buckets 5 marks
3. Case study on DA DL RSA RSL 5 marks
4. Case study on LC 5 marks (Applicant, confirming bank, Expiry date bill lading, whether partial shipment or not)
5. Case study on forex 5 marks
6. Case study on NRI NRO FCNR 5 Marks
7. Case study on forex exchange-purchase/cancellation/rebook of order.
8. Case study on bucket model of volatile and core type funds-interest sensitive asset-non interest sensitive asset
9. Numerical from examples of chapter 1 of Forex
10. Numerical from interest rate Sensitive assets & liabilities
11. Bond calculation 5 mark
12. ALM bucket allocation 5 marks
13. Two hands case study
14. Treasury office functioning case study (Back office mid office function)
15. Structured derivatives 5 Mark
16. Problems on TT buying, Selling

1. Direct rates which currency with respect to USD?
2. Ripple effect which risk?
3. Country risk is type of which risk?
4. Case study on LC-correspondent banking.
5. RTGS Plus?
6. Case study on UCPDC
7. LCR which currency?
8. Case study on LCR
9. Identification of type of LC from options.
10. Case study on derivative deal.
11. Function of ECGC
12. Risk management control steps.
13. YTM
14. Meaning of 'Mark to Market'?
15. Banking Book and Trading Book
16. Dimond dollar account
17. Under AMA approach estimated level of operational risk calculated on the basis of?
18. Calculation of Basis Point Value
19. Defination of VaR
20. Stress Testing
21. Defination body Term Money
22. Reduction of SLR-effect?
23. Special Non Resident Rupee (SNRR) account
24. Part of SLR
25. SWIFT
26. Stop loss trigger/ profit trigger case study
27. Forward contract- OTC or exchange traded?
28. Tier 1 capital comprises of?
29. Liquidity Risk
30. Extended loan for economic development- which type of loan?
31. Risk and Basel many questions asked
32. bucket SB & CA
33. NRE
34. FCNR A/c
35. Liquid assets
36. What is SNRR AC?
37. In which ratio off balance item and on balance item considered?
38. Treasury products
39. Transfer pricing
40. ALM many questions
.............................................


Case study on Macaulay duration

Face Value of Security Rs. 100
coupon rate 8% biannually
Maturity 4 year
YTM 10%

Calculate

01. Maculay Duration in half yearly
02. Maculay duration in years
03. Modified duration
.............................................


Calculation of Economic Value of Equity
Net Worth = 1350.00
Risk Sensitive Asset (RSA) = 18251.00
Risk Sensitive Liability (RSL) = 18590.00
Weight Modified Duration of Asset (DA) = 1.96
Weight Modified Duration of Liability (DL) = 1.25

01. What is Weight (W)?

a. 1
b. 1.02
c. 1.33
d. 1.66

Ans - b

Solution:
Calculate weight (W) = RSL/RSA
=18590/18251
=1.018
=1.02
.............................................

02. What is DGAP?

a. 0.33
b. 0.48
c. 0.69
d. 0.81

Ans - c

Solution
DGAP (modified duration gap) = DA - (W*DL)
= 1.96 - (1.02*1.25)
= 1.96 - 1.1275
= 0.685
= 0.69
.............................................

03. What is Leverage Ratio?

a. 12.33
b. 13.22
c. 13.52
d. 13.66

Ans - c

Solution
Leverage ratio= RSA/ Networth
= 18251/1350
= 13.52
.............................................

04. What is Modified Duration of Equity?

a. 6.33
b. 7.33
c. 8.33
d. 9.33

Ans - d

Solution:
Modified duration of equity (MD) = DGAP * leverage ratio
= 0.69 * 13.52
= 9.3288
= 9.33 years
.............................................

05. If there is 200 bp change in Rate what is drop in Equity Value?

a. 18.66
b. 20.33
c. 22.66
d. 24.33

Ans - a

Solution
Equity value=Change in rate (BP)*MD
=200*9.33/100
=18.6576
=18.66%
.............................................

Caiib ABM recollected questions 2019

Re-collected questions posted by our members Caiib ABM recollected questions 2019

--------------------------------------------

1. Case Study on Demand Supply curves with graph

2. Match the following about Horn effect, leniency error, central tendency error etc

a. The halo effect — a tendency to allow one trait or characteristic of an employee to influence the assessment. The halo is to rate an employee consistently high or low.

b. The leniency or strictness tendency of the superior interferes with the appraisal and accordingly the assessment gets influenced. The superior is unable to come out of these tendencies.

c. The central tendency problem refers to assigning average ratings to all the employees without properly evaluating each aspect of appraisal carefully and fearlessly.

d. Similar error is the tendency of comparing the employee with oneself on various traits and parameters. Those who show the similar characteristics are normally rated high.

3. Simple Question on Y = a +bx

4. Halo effect means positive attitude rating

5. Inflation change calculation

6. Leniency error

7. Type of inflation

8. Bond problem

9. Ratio analysis

10. Linear program 5 marks

11. Probability 5 marks - Z values given

12. Sampling related 5 marks

13. Money Supply/ Demand curve related 5 marks

14. Narrow Money, Broad Money related case study

15. Credit Monitoring questions

16. Debtors turnover ration

17. STOCK TURNOVER RATIO

18. CURRENT RATIO

19. QUICK RATIO

20. FV formula

21. Calculating LC 5 mark case study

22. LEI - The Legal Entity Identifier (LEI) code is conceived as a key measure to improve the quality and accuracy of financial data systems for better risk management post the Global Financial Crisis. LEI is a 20-digit unique code to identify parties to financial transactions worldwide.

23. HRIS

24. Role erosion and role ambiguity

25. Net fiscal deficit

26. Green GDP

27. Real gross income

28. Standard estimate error

29. Regression/Coefficient

30. Interpretation of confidence interval

31. Simplex method

32. What is called broad money

33. In which phase price of commodity is lowest? Boom/Recession/Depression/Recovery

34. Question on cluster sampling

35. GDP deflator

36. Who said what definition of economics

37. Working capital

38. Business cycle

39. Linear programming, HR theories, sampling

40. What is 3Vs

41. Sample proportion calculate

42. Marshall definition

43. Credit delivery

44. Case study on money measurements

45. Motivation theories with their founders

46. Covariance was given and SD was given....we had to find correlation

47. Johari window 1qs

48. SMA1

49. Zero coupon bond

50. Mixed economy

51. Performance appraisal systems

52. NPV

53. Microeconomics

54. Compensation

55. National domestic product

56. Left brain

57. B Type personality

58. COGS = Opening Stock + Purchases during the period − Closing Stock

59. Around 10 questions on Standard Deviation

60. Bell curve

61. Interpretation of confidence interval

Match the following was atleast 5

Numerical are easy

Many case study or questions from HR module

Current affairs on 12.04.2020

Today's Headlines from www:

*Economic Times*

📝 Commerce ministry lists steps to support exporters as industry expresses fears of huge job losses

📝 Apple, Google to create contact tracing technology to fight coronavirus spread

📝 Government requests social media platforms to promote Aarogya Setu

📝 Fino Payments Bank logs 80 per cent plunge in domestic remittances

📝 Railways converts 5000 coaches into isolation wards for Covid-19 patients, awaits govt direction on deployment

📝 Lenders invoke shares of Essel group firms Dish TV, Siti Cable, Zee Learn

*Business Standard*

📝 PM hints at lockdown extension till Apr 30; industrial activity may begin

📝 States want up to Rs 10-trn package from Centre, deficit financing from RBI

📝 RBI should start buying corporate bonds to provide liquidity: Deepak Parekh

📝 Plea in SC challenging RBI circular on 3-month moratorium on loan repayment

📝 586 hospitals to treat coronavirus patients, over 11000 ICU beds: Govt

📝 China reports rise in coronavirus cases, most from foreign travellers

📝 LIC gives 30-days extension for premiums due in March, April amid Covid-19

📝 TRAI recommends making interoperability of set top boxes mandatory

📝 Centre likely to lower tariff for discoms to ensure uninterrupted supply

📝 Govt sets up control room to address worker issues during Covid-19 lockdown

*Financial Express*

📝 India gets ready to send aid to 13 countries including neighbourhood

📝 TRAI issues recommendations on reserve price for auction of FM radio channels

📝 Cooking oil production down 40 per cent amid Coronavirus pandemic: Adani Wilmar

📝 Banks offer no relief, NBFC might be unable to service ballooning debt of Rs 1.75 lakh crore

📝 Garment firms begin to make masks, gloves, other PPEs

📝 30 crore poor gets Rs 28,256 crore financial assistance under Pradhan Mantri Garib Kalyan Yojana

📝 India Posts extends insurance premium payment deadline till June 30

*Mint*

📝 Talks to cut the world’s oil production drag on for a third day

📝 In grim milestone, US logs world's highest coronavirus death toll

📝 Covid-19: Govt allows PPF account holders to pay FY20 deposits till 30 June

📝 MHA asks states, UTs to comply with SC order on health workers' security

📝 Rs28,256 cr released for financially distressed under Garib Kalyan Yojana: Govt

📝 Shipment of hydroxychloroquine to US likely to start next week: IPA

📝 Without lockdown, India's Covid-19 cases would have been 8 lakh by 15 Apr: Govt.

Saturday, 11 April 2020

NI Act

NEGOTIABLE INSTRUMENTS ACT

1. What is the Section which contains the provisions relating to bouncing of cheques? Sec 138 to

147 of NI Act

2. What is the characteristic of a negotiable instrument? It must be transferable by delivery. & b) It

must enable the holder to sue in his own name

3. Who is the holder in the context of the negotiable instruments? Holder is the person who is

entitled to the possession of the instrument and to receive the amount of the instrument in his own

name

4. A cheque dated 3rd Jan 2005 bears the striking of the pre-printed year 19., can be passed? YES.

Striking need not be authenticated and cheque can be passed.

5. Whether protection is available to the paying banker in case of a cheque where drawer‘s signature

is forged? No.

6. When a post dated cheque purchased by a bank is returned unpaid on the ostensible due date,

what the banker can do? Can sue all the prior parties

7. How will you treat the bill which has been lost before it is overdue? The holder may ask the drawer

for another bill of same tenor against indemnity.

8. With whom, liability primarily rests with in respect of a cheque? Drawer only.

9. ― Endorsement in blank means: Endorsement by the drawer of the instrument signing by the

payee or holder of the instrument without adding any words to it.

10.An order instrument can be negotiated by: Endorsement and delivery.

11. Restrictive endorsement restricts: Negotiability of the instrument

12.A promissory note cannot be issued payable to The bearer on demand. As per Section 31 of

RBI Act: Only RBI can issue Bonds/Promissory Notes payable to Bearer on Demand [Tantamounts to

Currency]

13.A promissory note must contain what? An unconditional undertaking to pay

14.A Bank draft is a cheque. False.

15. Other than cheque, whether a bill of exchange can be drawn on Bank? YES.

16. When a bill of exchange payable on demand should be paid? On presentment

17. Mr. Kamath draws a bill on Mr. Suri payable three months after date. Mr. Kamath dies in a road

accident before the bill is accepted by Suri. Under such circumstances, Suri can accept the bill even if

he is aware of Kamath’s death.

18. When a bill is payable in 3 installments, whether a grace period of 3 days will be allowed on

every installment? True.

19. The term ―Accommodation Bill refers to Which a person signs as a drawer, acceptor or endorser

without receiving value therefore & for the purpose of lending his name to some other persons

20. When the bill is payable at a specified period after sight the period begins from the date of - The

presentment for acceptance.

21. Kite Flying ― is the term used to denote To drawing/accepting of bills just to accommodate the

other party without backing of any genuine trade transactions.

22. A bill of exchange drawn on a partnership firm may be accepted by Any partner.

23. A bill is drawn in Calcutta on a trader in Travancore but accepted payable in Singapore. The bill

shall be called as Inland Bill.

24. A bill is drawn in Calcutta on a merchant in Hyderabad and endorsed in Hongkong. Such a bill is

termed as Inland Bill.

25. A bill drawn in Bangkok on a party in Coimbatore and accepted payable in Delhi is Foreign Bill.

26. Which of the following presentment is improper? Presentment at a place other than the specified

one

27. Who should accept the bill if it is addressed to two or more drawees that are not partners All the

drawees

28. When the bill of exchange does not contain specific place of payment, the bill must be presented

to whom? At the residence (place) of maker/ drawee/ acceptor

29. If the bill is not presented to the drawee within the reasonable time, The drawee is discharged

from his liability

30. In the case of dishonour of a foreign bill protest is Compulsory when required under the laws of

the place where it is drawn

31. When an inland promissory note or bill is dishonoured noting - Is not compulsory

32. The meaning of noting is Record of dishonour of bill by Notary Public

33. When the bill contains the name of a drawee in case of need the bill will be considered as

dishonoured if it is dishonoured by the drawee in case of need or dishonoured by the drawee

34. When a cheque issued by a Limited Company is returned for want of funds, the liability for the

dishonour is with Only the Company and the authorised signatories of the cheque excluding Govt

nominated directors

35. Whether the term―protest refers to a formal certificate of dishonour of bill based upon ― noting

issued by notary public? YES

36. Promissory notes are to be witnessed-For the purpose of identification of the borrower at a later

date

37. Under Section 138 of NI Act, 1881, the drawer of a cheque is liable for prosecution if the cheque

is returned for any reason? FALSE (for Inadequate funds – see question below elsewhere)

38. Punishment under Section 138 of NI Act is applicable only to an individual. FALSE

39. Criminal action against the drawer under Section 138 of NI Act can be initiated by the payee only

when the cheque is returned for the reason - Inadequate funds

40. Punishment under Section 138 of NI Act is Imprisonment upto 2 year/or fine upto twice the

amount of cheque or both

41. Who can file a criminal case against the drawer of a dishonoured cheque The payee/the holder in

due course

42. The competent court for trying offences under Section 138 of NI Act is Metropolitan Magistrate or

I class judicial Magistrate

43. Section 138 of NI Act can be activated only when The cheque should have been presented within

6 months or validity period of cheque whichever is earlier/the payee/holder should give notice

demanding payment within 30 days of notice of information about dishonor of cheque due to

insufficiency of funds and the drawer has failed to make such payment within 15 days of receipt of

such notice/the cheque should have been issued in discharge of full or part of liability/debt.

44. Whether the limit for taking action under Section 138 of NI Act is 60 days from the date of

receipt of dishonour of the cheque by the drawer? NO

45. Whether the complaint for taking action under Section 138 of NI Act can be oral. NO

46. Whether drawee bank‘s liability for damages on account of wrongful dishonour of cheque arises

only if the payee suffers any loss ? NO

47. To a paying banker protection is not available for - Payment of order cheques with irregular

endorsement

48. Whether payment after business hours is payment in due course? NO

49. In a promissory note, the words ―or order ― are Necessary to insert

50. A bearer cheque contains two endorsements. The second endorsement is irregular. The cheque

in question can be Paid in spite of irregular endorsement (once a bearer, always a bearer)

51. Whether alteration from general crossing to special crossing is a material Alteration? NO

52. A travelers cheque is valid for a period of —months from the date of issue. No such period

53. A cheque payable to A or B or order should be endorsed by - No such cheque can be issued.

54. A bearer cheque specially crossed to ― P requires - Any endorsement on such cheques can be

ignored since it is a bearer cheque.

55. The validity period of endorsement on a cheque is - No such restriction.

56. Holder of a post dated cheque will have a valid course of action against drawer - Any time after

the date mentioned

57. Inadvertently a cheque has been paid on 29 November 2003 which is dated 29, November 2004.

Subsequently the drawer stops its payment on 15 December 2003. In such a case Bank is liable for

damages due to negligence on its part.

58. In the case of wrongful dishonour of cheque by the bank due to genuine mistake whether the

bank is liable to the customer YES, the banker is liable for damages

59. Under Section 26 of N.I. Act, if date of maturity of usance bill falls on a public holiday it is

deemed to be due - On the next working day

60. While collecting the cheques for customers, the collecting banker may be held liable for

conversion. Conversion means Interfering with the rights of the true owner

61. Whether action under section 138 of N I Act bars the normal civil remedy No

62. An unstamped pronote can be set right by Payment of required stamp duty with penalty as

required by law

63. A cheque is crossed ―not negotiable; then the effect is that: Transferee will not get a better title

than the transferor

64. A cheque bearing date 30 2 04 is presented for payment on 28.2.04. As per IBA guidelines: The

cheque can be honoured

65. What kind of payments are covered under Section 138 of N I Act Payment in discharge of whole

or part of a debt.

66. A bearer cheque was paid across the counter. Later, the signature of the drawer is found to be

forged, even though signature apparently tallied with the specimen. Bank loses protection and is

liable to the drawer

67. Post dated cheques are Valid instruments

68. In case of endorsed cheque, protection is available if Payment of the cheque has been made in

due course and it is ensured that endorsements on the cheque are regular.

69. Banker should not pay a post dated cheque because

a. It is not payment in due course hence bank loses protection under N I Act. Or

b. Drawer may stop the payment of the cheque or

c. Garnishee order may be served

70. A cheque is valid if it has maximum endorsements upto -There is no stipulation, on the number

of endorsements a cheque can have.

71. A bill dated 12 5 04, payable 3 months after date, is due for payment on: 16 8 2004

72. Protection under Section 89 will be available to a banker if - The cheque has been paid in due

course and the alteration was not apparently visible, at the time of making payment.

73. A bearer cheque has been paid to the holder disregarding the endorsements on it - It is a

payment in due course and Banker is protected under Section 85(2) of the Negotiable Instrument

Act, 1881

74. Protection to a paying banker has been given by law, for Bearer cheques (Section 85)/crossed

cheques (Section 128)/endorsed cheques (Section 85)

75. It is not necessary to write consideration while endorsing an instrument because it is Presumed

under N I Act

76. Whether every cheque is a bill of exchange? YES

77. A bill payable 30 days after sight is presented for sight on 1 3 04. It fell due on: 03 04 04

78. A Negotiable instrument is rendered void by any material alteration If it is not done to carryout

common intention of the party AND as against any party who does not consent the instrument

79. Following type of crossing is not recognized under the provisions of the Negotiable Instrument

Act “ Account Payee” crossing

80. Not Negotiable crossing is considered as General crossing

81. Who can do crossing of a cheque? Any holder or drawer of the cheque

82. Account Payee crossing on a cheque is indicative that - The paying banker should pay the cheque

to the payee only

83. Crossing on a cheque can be cancelled by Drawer

84. When a cheque already crossed ― not negotiable is negotiated the transferee - Cannot be a

holder in due course

85. Payment of following cheque is prohibited under Section 127 of the NI Act 1881 A cheque

crossed specially to more than one banker except where the other bank is collecting it for the first

bank

86. The marking of a cheque signifies Paying banker’s certificate that it is good for payment

87. When the bank marks a cheque it undertakes - To set aside funds for payment of marked cheque

88. Cheques should be collected for - The customers of the bank

89. In the event of conversion of a cheque, the right to sue can be exercised by - The drawer

90. Protection to a collecting bank is afforded by the Negotiable Instrument Act, in respect of

Conversion

91. Collecting banker is not protected for collection of - Uncrossed cheques

92. Ms. Smarty opened a SB Account at your branch and gave satisfactory introduction. One day she

tendered a cheque which had ―Account Payee crossing and was drawn favouring one ―Mr. Genuine

or bearer on another local bank. You collected the cheque and the amount was credited in her

account. The very next day she withdrew the money. Subsequently, the drawer demanded refund of

the amount of cheque stating that the cheque was stolen and has been collected by you for a person

who is not payee of the cheque The bank will get statutory protection as the cheque was collected in

a properly introduced account

93. For becoming a holder in due course of a bearer cheque, the bank must be - Its possessor

94. With a view to become holder in due course of an order cheque, the bank must be It’ s payee or

endorsee

95. When a collecting banker allows the customer to draw against its cheques under collection, the

position of the collecting banker will be - He will be holder for value of cheques

96. Who bears the loss when a cheque with forged signature of drawer is paid? Paying banker

97. The cheque with forged signature of drawer has been paid by the bank Statutory protection will

not be available to the banker/payment is treated as without authority of the customer/customer’s

account can not be debited. (Forged cheque is not a mandate at all)

98. When a cheque with forged signature is paid the burden of proving that the signature was

forged, lies on the Customer

99. If the forgery occurs due to careless handling of cheque book and carelessness on the part of the

customer still Bank is liable

100. Banker‘s cheques and payment order are classified as Not negotiable instruments

101. In the case of bearer cheque Identification of the presenter is not required

102. A cheque received in clearing has been paid. The cheque has drawer‘s signatures which are

forged but the forgery was done so cleverly that it was difficult to detect it in normal course. In this

situation how will the liability of the banker be determined? The bank is liable to the customer

103. When a banker dishonours a cheque wrongfully He is liable to the drawer

104. If drawer of the cheque becomes insane or insolvent - the cheque should Not be paid

105. Payment in due course refers to Payment in accordance with the apparent tenor to the

possessor of instrument in good faith and without negligence under the conditions of no Suspicion

106. As per requirement of crossing, a banker has paid a crossed cheque in due course. If title of the

holder turns out to be defective, whether paying banker is liable or protected? Banker is protected

under Section 128 of the Negotiable Instrument Act, 1881

107. A paying banker can avail protection in respect of cheques Crossed/Without any

alteration/Drawn payable to order and purported to have been endorsed

108. The Negotiable Instrument Act provides protection to the paying banker against Forged

endorsement. (But not forged drawer’s signature)

109. Section 131 of the NI Act, collecting banker gets protection in the case of Forgery of drawer’s

signature

110. Holder of a current account has authorised a person to operate the account. A cheque drawn by

this person is wrongly dishonoured by the bank. This person claims damages on his own behalf -

Only the account holder can initiate action against the banker

111. Before introduction of Section 138, in the Negotiable Instruments Act for dishonour of cheques

due to insufficiency of funds the drawer was Subject to civil liability only

112. Mr. Raman, in settlement of a debt, received a cheque for Rs.20,000 from Mr. Krishnan. The

cheque, on presentation, was dishonoured for insufficient funds. On contacting, Mr. Krishnan

requests Mr. Raman to present the cheque again for payment. However, in the meantime, Mr.

Krishnan stops the payment of the cheque and the cheque is returned unpaid with the remark ―

payment stopped by the drawer. Can criminal prosecution against Mr. Krishnan be initiated? YES

113. Demand draft belong to the category of Negotiable instruments

114. Protection to the banker is available for Both payment and collection of drafts

Prevention of cyber crime recollected on 28 .12.2019


Cyber crime and fraud management recollected on 28.12.2019


Recollected questions:
Cyber crimes are handled by which orgnanisation in india
Type 1 crime
Preventive control
Detective control
Detterant control
Logical control
Sections and their fine with imprisonment in years
Committes of it security ,it governance, it controls
Netra by which organisation
Fast flux
Stux net
Phising
Shoulder surfing
Digital signature
Oldest agency in india
Few questions on cert in
Passive attack
Active attack
Direct attack
In direct attack
Logic bomb
Zeus
India own operating system boss in under whom
Confidentiality
Availability
Integrity
Conventional crime
Cyber crime
Same features of conv and cyber crime
Tailgating
imp topics are  1differences between viruses and worm
2 it act
3 different types of cyber crimes
4 various types of cards
5 gate way payment
6 prevention and detection control
7 pss act
8 2 tier authentication
9 passive and active attacks
mostly questions from 2  and 3 and 4...units

 Cyber terrorism
1. Who Coordinates with Interpol in India ? - CBI
2. Which department was designated as Nodal Agency for Cyber Crime prevention - CERT-IN
3. What is the difference between Virus and Worm - Virus need human intervention to activate or multiply whereas worm automatically get multiplied
4. Worms are mainly used by hackers to - Occupy more space in the system/heavy usage of bandwidth in the network
5. One of the employee carefully watching the password entered by the Manager. What type of threat it is - Shoulder Surfing
6. Leaving a Logged in Computer by an employee - is human negligence
7. Hackers scans the computer pre attack to identify - Vulnerability in the system
8. Hackers inject worms/virus into the network to reach the target system and it - exploits the Vulnerability
9. Non updation of antivirus is - one of the major vunerability
10. One customer recieved a call in his mobile phone and the person posing himself as a bank manager collected the card credentials from him.This type is called - Phising
11. Online Banking sites are borne to what risk - Phising/IP spoofing
12. Data transfer between systems vide Network can be secured by - PKI
13. Customers can make sure that they deal with the authenticated website - by checking the Lock icon near the address bar
14.In https, S denotes - Secured/Security
15.This kind of worms directly attacks the root directory - Rootkits
16. This worms are really hard to detuct and delete - Rootkits
17. The compromised systems in the network are commonly termes as - Zombies
18. Customer security credentials were compromised by way of fraudulent SMS is called - smishing
19. The employees who try to hack their own company's site/find the vulnerabilities are called - White hat hackers
20.DDos - Distributed Denial of Service
21.Ransomware which blocks the access to the website demanding ransom for the same is - Denial of Service attack
22. Using same method for both encryption and decryption is called - symmetric encryption
23. Providing Last Login detail in Internet banking site is to - to detect any unauthorised usage earlier
24.Limits for retrying the passwords is - to avoid the unauthorised access
25. To safeguard from the Key Loggers attack - Use Virtual Key board to enter passwords
26.UTM stands for - Unified Threat Management
27.Setting up smoke detectors in the branch is - Detective Method
28.Placing Security guard in system room to avoid - Physical damage/attack on systems
29. Following the authorised person to enter into system room and making entry into the room is - Tailgatting
30.Dumbster Driving is a method - Searching for vulnerability in deleted files and data
31.FIrewall is - Intrusion Detection System
32.Authentication of electronic data/document can be assertained by - Digital Signature
33. When two or more persons illegally tries to enter into a critical room with single id/same id - Masquerading
34.Detection is normally - Post incedent
35. Post incident study mainly for the purpose of - study the impact of the attack and lessons for future prevention
36. Indian Agency working on Digital Forensics and Cyber security - C-DAC
37. OLTP refers to - On line Transaction Processing
38. OLTP is also termed as - Payment Gateway
39. Payment Gateway the Acquiring Bank to - Issuing bank through the Card Scheme to complete the transaction
40.Security Concerns arise in Payment Gateways are - At the User Level, Bank level and Merchant POS
41. Credit Card data theft through POS is falls under - Merchant PoS Security
42.Data encrypted using Private key can be decrypted by the public key available with - the Receiver
43. Cross verifying the Signature on the Slip against the Signature in the back side of the ATM card is doen by - the Merchant
44.Data should be secured in the following stages - Saved, Transit and Retrival
45.Intruder software in a network which attacks the data while in trnasit and thus commits data theft - Man in the Middle Attack
46. Captures a widows sessio for the purpose of data theft before it reaches the recipient is - Session Hijacking
47. Limits set for retrying of password is to avoid - Brute Force attack
48. ISSP stands for - Information System Security Policy
49.ICANN stands for - International Corporation for Assigned Names and Numbers
50.TLD stands for - Top Level Domain
51.Globally recognized set of rules defined for electronic records is - e-UCP
52.Technique used to redirect traffic from the infected device is called - Sinkholding
53. The technique which can intercept unencrypted data transit of mobile apps is called - Wi FI Snifing
54. This is one type of malware which doesnot affect the system/network - Ad-ware
55. This usually comes as a Pop up/add on screen which carries link for dubious websites - Ad-ware
56.EMV cards follow standard of - ISO/IEC No 7816
57. EMV cards follow this standard for Contactless card - ISO/IEC 14443
58. NFC is the technique used in contactless cards - Near Field Communication
59.PCI - DSS stands for - Plastic Card Industries - Data Security Standards
60. NFC cards works under - RFID Technology
61. Providing Access controls to employess based on roles/need is - Risk based Authentication
62. Seeking PIN to complete a transaction in PoS is - 2FA
63.SSL - Secure Socket Layering
64.SSL ensures - Encrypted link between a web server and a browser
65. Sending annoying messages to a person causing irritation/nuisance - Cyber Stalking
66. Black mailing a person using Computer/or network is - Cyber Extortion
67. Ransomware is type of - Cyber Extortion
68. Disputes on Domain names and protest are redressed globally by - UDRP
69. Phising/Vishing is type of - Cyber Cheating
70. Group of people attacks a Computer/ group of computers for propagating a objective - Cyber Terrorists
71. Hackers with common interest attack rival government's department site and database are - Cyber terrorists
72. ____ refers to the quality of secrecy associated with the data and the state of keeping an information asset secret - Confidentiality
73.____ refers to the state of remaining in the same format and not allowing for any tampering/manipulation - Integrity
74. ____ refers to the state o confirmation that the user has the authority to issue the command to the system - Authorisation
75. Quality of non denial, the stake holders are not permitted to denythe particular act of doing the act is - Non-repudiation
76. CAPTCHA refers to - Completely Automated Public Turing test to Tell Computers and Humans Apart
77. Placing letters in different sizes and styles which is hard to read by systems/robots is called - CAPTCHA
78. _______ is an important component for study and analysis to under the modus operandi of a Cyber Attack - Threat Vector
79. In cyber Crime, Threat landscape is denoted as - Study of entire overview of the network which was attacked
80. Conventional Crimes are - Physical crimes that involve thet of systems and hardware devices
81.Cyber Crimes are - System Crimes that involves data theft or tampering
82.Insider Attack Threat is - attack on the system/network by own employee without any permission/authentication
83.______ is the most dangerous attack in cyber crimes - Insider Attack
84. An employee copied and sold the sensitive information to a competitor concern is an example of - Insider Attack
85. Hackers scan the port/system and develop worm or codes to attack the same based on this - Vulnerability
86. ____ doesnot wait for any executable file to run for getting activated in the target system - Worm
87.____ refers to small piece of programs injected into the target system to spy on the activities - Spyware
88. Drones are classified as - Spying Devices
89. UAV stands for - Unmanned Aerial Vehicle
90. Most of the UAV used by the polic/defence authorities for - Survelliance purposes
91.The persons who are hired by companies to hack their own website/to identify the Vulnerability are - Blue Hat Hackers
92. System of effectively taking care of URL filterig, web-filtering, anti-virus, as all in one solution is referred as - Unified Threat Management
93. Force Log out option in Internet banking after certain time of Idleness is to guard the system against - Session Hijacking
94. Installing anti virus into the system is - Preventive Method
95.A statement used to create, alter, drop objects in a database is called - Data Definition Language
96. Fault Detection, isolation nad recovery are closely associated wiht - Detection Control
97. Installing Bio Metric devices to check unauthorised entry is - Physical Control
98. Unless properly logged, straightaway accessing the database through a SQL is termed as - Back end Access
99.IT Act 2008 describes the activity of hacking as a criminal activity in section no 66
100. IT Act 2000 came in force on - 17 October 2000
101. IT Amendment Act came into force on - 27 October 2009
101. IT Act consists of - 13 Chapters and 90 Sections
102. The Section which deals with cyber crimes as civil offence - Section 43
103. The Section deals with cyber crimes as Criminal Offences - Section 66
104. IT Amendment Act included the following which is not in the IT Act 2000 - Electronic Signature
105. Electronic Signature has been dealt in - Section 15
106. Under Section 43A, if any body corporate handling any sensitive personal data is negligent in implementing and maintaining reasonable security the compensation may go upto - five crore rupees
107. Under Section 43, if one found guilty on Data theft/alters/destroys the same the penalty/compensation may go upto - One Crore rupees
108. Tampering with Computer Source Documents - Section 65
109. Punishment under Section 65 may go upto - Three years imprisonment and extend upto Two Lakhs Fine
110. Computer Related offences which were dealt under section 43 can also be dealt as criminal offence under section - 66
111. Punishment under Section 66 may go upto - two three years and/or fine upto five lakhs rupees
112. Crime of Cyber Stalking ( sending electronic messages for the purpose of causing annoyance/inconvenience/decieve/mislead the recipient) may lead to - two three years imprisonment
113. Identity Theft is dealt under Section - 66c
114. Punishment of Identity Theft - may extend to three years term and/or fine upto One lakhs rupees
115. Puishment for Cyber Cheating - may extend to three years term and/or fine upto One lakhs rupees
116. Cyber Cheating is dealt under - Section 66D
117. Punishment for Cyber Terrorism may extend upto - Life time Imprisonment
118. Cyber Terrorism is dealt under - Section 66F
119. Publishing obscene material in electronic form dealt under - Section 67
120. Punishment under Section 67 may extend upto - two three years term and/or five lakhs fine
121. Punishment for Sudsequent conviction of the same crime under section 67 is - 5 years term and/or ten lakhs rupees fine
122. Sexually explicit content in electronic form dealt under - Section 67A
123. Punishment under Section 67A is - Five years term with fine
124.Punishment for Sudsequent conviction of the same crime under section 67A is - 7 years term and/or ten lakhs rupees fine
125. CERT-IN has been designated as Nodal agency for Critical Information Infrastructure Protection under Section - 70B
126. Mispresentation/Suppression of material Fact dealt under - Section 71
127. Penalty under Section 71 - Two years term and/or fine upto One lakh rupees
128. Breach of confidentiality and Privacy dealt under Section - 72
129. Analysing the style of writing or the langauage style for the purpose of Crime Investigation is - Stylometry
130. RBI issues licenses for Payment Banks in India based on approval from - BPSS
131. NTRO stands for - National Technical Research Organisation
132. Netra, the light weight UAV was developed by - DRDO
133.NCIIPC stands for - National Critical Information Infrastructure Protection Centre
134. DSCI - Data Security Council of India
135. Digital Forensic tools used by our Police Department were developed by - C-DAC
136. C-DAC stands for - Centre for Development of ADvanced Computig
137. NTRO works under - Prime Minister's Office
138. Two acts which are mainly handled by ED - FEMA and PMLA
139. Money laundering using banking systems/Internet banking is - Conventional Crime
140. Obtaining an IP address similar to some other and demanding a ransom for forego the same is - Cyber Squatting
141. Data Protection while in transit using non repudiation techniques can be achieved through - Public Key Infrastructure
142. Card Skimming is a technique mostly used th steal the card details and it mostly placed on - ATM manchines
143. Card Skimming Data Theft can be avoided using - Contactless Cards/NFC Cards
144. To avoid the Card Credentials in Online sites these cards were introduced - Virtual Cards
145. Smart Cards which are loaded with Money prior to issue is called - Prepaid Cards
146. Virtual Cards normally comes with a validity of - 24 hours to 48 hours
147. Maximum loading permitted in a Prepaid as per RBI instruction is - 50000/-
148. Hackers try to capture the login credentials by analysing the keys pressed in the Key boards. the worms captures such data is called as - Key Loggers
149. By clicking unauthenticated link, customers may diverted to fake websites to capture the sensitive personal. This is type of - Website spoofing/IP Spoofing
150. Ad wares are used not to harm the computers but to - make a catch by making the user to click on the dubious link to fake websites

5 TIPS TO CRACK JAIIB-CAIIB IN 1st ATTEMPT

5 TIPS TO CRACK JAIIB-CAIIB IN 1st ATTEMPT.

If you've just joined the Banking Industry, you must have applied for JAIIB/CAIIB or If not, you'll be applying room & 1 thing everyone wants to know is how to pass JAIIB/CAIIB is get an extra increment. So sooner you pass the Exam, earlier you get an extra increment. If you've as Officer JMGS-I (PO), your initial basic salary would be ₹.23700. If You Clear JAIIB/CAIIB, you get 2 increments & your basic salary increase by ₹.1940. So if you miss it 1st time, your Increment gets delayed by 6months. That means loss of ₹.11640+DA. So it becomes important to clear JAIIB/CAIIB Exam in 1st attempt itself.
Around JAIIB 1.50lacs & CAIIB 1lac candidates appear for the Exam. Only 22-25% candidates are able to clear the exam each time. So does it mean that JAIIB/CAIIB is difficult to crack? What should be the Strategy to clear the Exam in 1st Attempt? How 1 should prepare for Exam?
Passing marks for JAIIB are 50% aggregate & 45% in each Subject. If aggregate marks less than 50% or Marks in a particular paper less than 45%, but you score 50%/more in any other 2 sub. You don't qualify the exam but need not give that particular paper in 2nd,3rd,4th attempt, in which you score 50%/more. The best part of Exam is that result of each paper is shown to you immediately after submit your online Exam.

Simple 5 Steps to Prepare for the JAIIB/CAIIB Exam:
Take off the burden from your mind, you're required to score only 50% which's not very difficult & the Good thing is that there's No NEGATIVE (-) Marking.
Here is a simple step by step guide which will help the Bankers to be prepared for JAIIB/CAIIB.
If you come from Commerce/Finance background  (BBA/MBA), It's relatively easy to break the JAIIB/CAIIB. Because you would have studied atleast 65% of topics covered. If you're not from Commerce/Finance backgroue you need to make little Extra Efforts.
1. GET THE RIGHT BOOKS: After reg. for JAIIB/CAIIB, 1st thing you should do is to get the Books for all 3 Subjects. Best books available for JAIIB/CAIIB are by McMillan, which IIBF also suggest. these Books are available on Amazon:
-JAIIB (PPB-AFB-LRAB)
-CAIIB (ABM-BFM-OPTIONAL SUB).
These Books might seem bulky but has covered the entire syllabus & has everything you need to know. The Book is designed in a way that 1can easily be prepared by just reading the definition & summary. the MCQs will give you a fair Idea of level of preparations.
If you don't have enough time & don't want to study IIBF Books, you can by the Books JAIIB/CAIIB by N.S.Toor, which are in QA format.
2. KNOW YOUR SYLLABUS: As a Banker it's likely that there will not be a lot of time left for studies after a hectic day of work. Hence it's best to start early. the Idea is to plan for the Syllabus & Time them so that the Level of Preparedness is High. Knowing your syllabus will give Idea, how much time need to prepare.
If you've been a Commerce student, you'll find the AFB & some part of LRAB, you've already covered during your studies earlier. So 60% of your Job is already done. You can mark these topics & focus on those topics which you've not studied earlier.
If You've been Arts/Science & Engg Student, everything is New for you & need to prepare for everything..

3. MAKE A STRATEGY FOR STUDYING: ( I've already posted about JAIIB-CAIIB Study Strategy & Study Plan a Month Ago, You must keep follow them out of action).

4. PRACTICE & ATTEMPT SOME MOCK TESTS: Another great step is to find out previous 3years Question Papers. Prepare them all leaving 1 which will work as a model test before you actually face the Exam. the Idea is to practice a lot of question type compared to cramming. You can attempt in JAIIB-CAIIB Forum, Blogs website 'Free Mock Tests for JAIIB-CAIIB', which will give you an Idea how the actual exam is held. attempting Mock Test help you practice the actual Exam conditions.
5. ON THE ACTUAL TEST DAY: Choose the easy questions 1st as they will give you an estimate of the Score. then come back to the Questions which were missed. Also, there's No NEGATIVE (-) Marking, so attempt all Questions. If you stuck in a question, leave that by Marking & Go ahead..

ALL THE VERY BEST.
WISH YOU GOOD LUCK...

Friday, 10 April 2020

CALCULATION OF INTERNAL RATE OF RETURN (IRR)

CALCULATION OF INTERNAL RATE OF RETURN (IRR) Internal rate of return (IRR) has to be ascertained when we assess the term loan proposal. It is the income generating capacity of the total funds used in the project over its life time. The ‘Internal Rate of Return’ (IRR) is that rate at which the sum of the discounted cash flows is equal to the investment outlay. In other words, IRR is that rate which makes the present value of the benefits equal to the present value of costs or reduces the net present value to zero.

Monday, 6 April 2020

Jaiib legal important

JAIIB LEGAL VERY IMPORTANT 1

1. Charged created by Bailment of goods to secure payment of a debt is called: Pledge
2. Guarantee is defined in: Indian Contract Act
3. If on a letter of credit it is not mentioned whether it is revocable or irrevocable, then as UCPDC 600,
it will be treated as : Irrevocable LC
4. A director of a bank wants to raise loan of Rs 10 lakh from his bank against Life Insurance Policy
with surrender value of more than Rs 15 lakh. What will be done?: Bank can sanction.
5. In which of the following cases, the document is required to be attested by two witnesses?: (a)
Pledge (b) Hypothecation (c) Mortgage (d) Lien
6. A document was executed by three partners in different dates. When shall the limitation period
start?: The limitation period will start from the last date i.e. when the document was executed by the
last partner.
7. Loan to a company engaged in construction of projects, which method of financing is to be used:
Cash Budget method.
8. What is the meaning of Group in Exposure Norms: Commonality ofmanagement
9. The procedure used for ascertaining Customers Creditworth is called: CreditRating
10. Green field project is related to : setting up new projects
11. What is Real Rate of Interest?: Prevailing interest rate minus inflation rate
12. Themain distinction between Hypothecation and Pledge is on accountof : Possession
13. In Letter Of Credit jmporter is called: Opener of Letter of Credit
14. Cash Budgetmethod is used for sanctioningworking capital limits to : Seasonal Industries
15. Bank's charge over LIC Policy is created by: Assignment
16. Guarantee issued by a bankwhich is still outstanding is shown in the Balance Sheet as: Contingent Liability.
17. Why loan against Partly Paid Shares are not preferred by banks?: Because partly paid shares represent
contingent liability. In case companymakes demand and the borrower does not pay the amount then the bank will
have to pay the amount otherwise share may be forfeited.Moreover it is prohibited by RBI
18. Return on Investment is calculated to ascertain of the unit.: Profitability
19. For ascertaining that a firm will be able to generate sufficient profit to repay instalments of term
loan, which ratio is computed?: Debt Service Coverage Ratio
20. In the Balance Sheet of a bank, Contingent Liabilities are shown as: footnote to the Balance Sheet.
21. Finance for construction of road and port is classified as: Infrastructure Finance.
22. Banks are required to declare their financial results quarterly as per provisions of : SEBI
23. Loanwas raised fromthe bank against NSC byMr.Xand noting to this effect was recorded in the issuing
PostOffice.Xdies. The nominee approaches post office for payment ofNSC.Whowill have priority i.e. bank or
nominee?: Bankwill have prior claimagainstNSC.
24. Hypothecation can be converted to pledge by: taking possession with the consent of the borrower.
25. What charge to be created for demat shares with bank as security: Lien
26. Perpetual bonds and perpetual non cumulative preference shares as part of tier I capital can be up to%of tier I capital:
40%
27. Provisions on standard Assets are shown under which head in the balance sheet of the Bank?: Other
Liabilities and Provisions on Liabilities side.
28. For classification of assets in consortium accounts, which of the following is to be considered?:
In consortium accounts, each bank will classify the account as per its record of recovery.
29. Who is bound to file particulars of chargewith theRegistrar of Companies underMCA21,when a
company creates charge of somebody on itsmovable or immovable property except byway of pledge?: officials of
the company.
30. Credit ofRs.20,000/-was taken asRs.2000/- and as a result a chequewas returned in the account forwant
of funds. Bank has already sent statement of account to the depositorwho has acknowledged receipt of the statement
of account.Whether bank is liable?:Yes. Liable to drawer of cheque.
31. Advance to a companyagainstTrust receiptwhere document of title goods transferred to bank and goods to be
released against payment by the company.Whether a charge is to be registeredwith theRegistrar ofCompanies under
MCA21?:NotRequired
32. Under multiple banking system, exchange of information between the banks is to be done for the limits of
crores and above and periodicity is : Rs.5 crores and Quarterly
33. If a LC contains a clause "about" regarding the amount and quantity of goods, howmuch tolerance is
permitted?: 10%
34. What is the type of liability for the bank on account of issue of BankGuarantee?:Contingent Liability
35. To arrive at group concern, factors to be looked into are : commonality ofmanagement + effective
control.
36. The limitations of financial statements are : only quantitative not qualitative.
37. Hypothecation described under SARFEASI Act.
38. Off Balance sheet / On Balance sheet exposure- if altered the risk will be Credit Risk.
39. Guarantors Liability: Recall the a/c and cause demand against the borrower and guarantor.
Balance in guarantor's SB a/c cannot be appropriated directly.
40. Excess of current liability over current assets means the firm may face difficulties in meeting its
financial obligations in short term.
41. If documents are to be presented in about July month: these can be presented within 5 days before
or 5 days after.
42. Pledge is defined in: Indian Contract Act
43. When limitation will not extend: Balance Confirmation signed after expiry of limitation period
45. Onmaturity of bank guarantee, an intimation is send to customer and if no response received in 30 days,
vouchers are reversed. This is done for following reason? Bank has to maintain capital on Bank
Guarantee for the purpose of capital adequacy norms.
46. Which of the following is not a disadvantage of CC account? Issuance of cheque book
47. In case of revaluation of fixed assets, what percentage of revaluation reserve will be added to Tier
II capital of the bank?: 45%
48. When a loan is recovered from guarantor for dues payable by the Principal Debtor, debtor
becomes entitled to all rights and remedies which the creditor had against the Principal Debtor. This right
of guarantor is called: Right of subrogation.
49. in case of loan against bank deposit charge is created by: assignment
50. in case of loan against NSC, charge is created by: assignment
51. What is cash loss : net loss before depreciation (Net loss minus depreciation)
52. Why fund flow statement is taken from the borrower?: To know sources from where funds have
been raised and how funds have been utilized and to know changes in net working capital position.
53. Stand by LC is just like : Financial guarantee (A guarantee of payment issued by a bank on behalf
of a client that is used as "payment of last resort" should the client fail to fulfill a contractual commitment
with a third party. Standby letters of credit are created as a sign of good faith in business transactions, and
are proof of a buyer's credit quality and repayment abilities)
54. Banks provide term loans and deferred payment guarantee to finance capital assets like plant and
machinery. What is the difference between these two: Outlay of funds.
55. For the purpose of creation of equitablemortgage, the place for deposit of the title deed is notified by :
56. Number of days allowed to opening bank and negotiating bank to verify that documents are as per
terms of LC is: 5 banking days each
57. In the case of hypothecation : both possession&ownership is with borrower
58. If stock statement is not submitted for 3 months from its due date and DP is allowed on the basis of
old stock report, then the account will be considered NPA after:90 days
59. Limitation period formortgage :12 years
60. Loan is in the name of A&B. Both have signed documents. A signs the Balance Confirmation but B
does not. In this case limitation will extend against: both
61. What is negative Lien?: A declaration by borrower that he will not sell or create charge of any
body on a particular asset without consent of the bank
62. Why banks do not grant loan to a minor?: A minor is not competent to contract Therefore, Ioan
given to a minor can not be recovered.
63. Normally bank can not grant advance to its directors. However, there are certain exemptions to this rule.
Thus a bank can grant a loan to its director against the security of: Government securities, life insurance policies or fixed
deposit;
64. If on a Letter of Credit, date is mentioned as "end of the month", then as per UCPDC 600, it will
mean: 21st to last day of the month.
65. A minor was given loan. On attaining majority he acknowledges having taken loan and promises to
pay. Whether the loan can be recovered? : He can not ratify the contract. Hence recovery not possible.
66. A loan was sanctioned against a vacant land. Subsequently a house was constructed at the site.
What security is available now to the bank? : Both
67. Preoperative expenses forms part of the following: Intangible assets
68. Aand B raised a loan jointly and both are liable jointly and severally.When the limitation period is
approaching,Aacknowledges the debtwhile Bwas away fromIndia. Limitation expires before B comes to India and
after coming, he denies acknowledging the debt. Bank can proceed for recovery of the loan as per limitation act from:
Both
69. An L/C is expiring on 10.05.2008. A commotion takes place in the area and bank could not open.
Under these circumstances can the LC be negotiated?: The L/C can not be negotiated because expiry date of
LC can not be extended if banks are closed for reasons beyond their control.
70. A loan is given by the bank on hypothecation of stock to Mr. A. Bank receives seizure order from
State Govt. What should bank do?: Bank will first adjust its dues and surplus if any wilt be shared with
the Govt.
71. 3 partners signed a document on 3 different dates. Limitation period starts from: Date of last
signatures.
72. Acknowledgement of Debt can be obtained for how many number of times : No limit
73. In the case of advance to a limited company for purchase of vehicle, the charge is registered with
Regional Transport Authority in addition to registration of charge with. Registrar of Companies. Why this is
done?:So that borrower can not sell the vehicle without intimation to the bank
74. Why banks prefer financing of bills?: because the advance is self liquidating
75. Formation of consortium, when essential :When bank touches its exposure ceiling
76. A letter of credit which is issued on request of the beneficiary in favour of his supplier: Back to Back
LC
77. As per internal policy of certain banks, the net worth of a firm does not include: a. Paid up capital b.
Free Reserve c. Share Premium d. Equity received from Foreign Investor : Revaluation Reserves
78. A lady who has taken a demand loan against FD come to the branch and wants to add name of her
minor son, as joint a/c holder. What you will do?: Name can be added only after adjustment of the loan.
79. Guarantee issued by a bank in favour of Custom department that party will fulfill export obligation for
availing exemption fromcustomduty regarding tax. Such guarantee is called: FinancialGuarantee
80. Particulars of satisfaction of charge by a company are to be filed within: 30 days from date of adjustment
of loan.
81. In a company, the registration of charges is required for: a)loan against FD b)lien on Govt
Securities c) assignment of Book Debts d) lien on Shares : Book Debts
82. LoanDelivery Systemis not applicable to: a) Loan to Soft ware industry b) export credit: export credit
83. Stamp duty in usance bill of exchange: 0.25 per 1000/ 0.75 per 1000 / 1 per 1000 / none : It is
according to value and time i.e. Advalorem(it is Rs 0.65-per Rs 1000 up to 3 months usance)
84. Property equitably mortgaged on 08/03/08. A registered mortgaged created on this property, on 05/03/2008
whichwas got registered on 08/03/2008.Whichwill have priority: registeredmortgage as itwas created earlier.
85. The Bank did not disclose all material facts regarding loan to the guarantor while obtaining
guarantee. Can guarantor escape liability?: Guarantor cannot escape from his liability as it is not necessary
to disclose all the materials facts with regards to the loan.
86. Banks are required to obtain audited financial papers from non corporate borrowers for granting
working capital limit of: Rs.25 lakh &above
87. In the case ofHypothecation: neither possession nor ownership come to Bank.
88. Negative lien means: Undertaking by the borrower not to sell or create charge on a particular
property without consent of the Bank.
89. RecentlyRBIwarned banks against charging: excessive interest to small borrowers.
90. Which of the following is correct regarding reverse mortgage?: The scheme is available to senior
citizens only; the property should be self occupied by the owner.
91. What are the rules relating to advance against Kisan Vikas Petra?: It can be granted provided
KVP is assigned to the bank.
92. Bailment of goods to secure a debt is called: pledge.
93. Deferred payment guarantee issued by a bank is a : Contingent Liability.
94. When mortgage is created by a person by deposit of title deed orally, it is called mortgage :
Equitable
95. For the purpose of creation of equitablemortgage, the place for deposit of the title deed is notified by : State
Govt.
96. Under SARFAESIAct 2002 the banks give notice for payment of due amount to the borrower / owner of
charged assets
97. Action under SARFAESI Act can be taken simultaneously in DRT/Suit filed cases without taking
permission from the Competent Court
98. For enforcing right under SARFESAI Act, in the case of consortium advances, consent of which
bankers is required?: consent of 60% bankers by value is required.
99. SupervisoryReviewaccording towhich Central Bank of the country is to ensure that proper capital has been
provided for
risk exposure andmaintain proper systemfor the same is provided under?: Pillar II of Basel IL
100. Chargewhere SARFAESI action can not taken: Pledge
101. For taking action under SARFAESI, the outstanding should be:More than Rs.1.00 lac
102. Limit for filing suit in DRT: Rs.10 lacs and above
103. For acquiring securities charged to the bank under SARFAESI, notice of days is required to be
given to the borrower and for sale of securities so acquired notice of days is 60 & 30 days
104. As per a recent judgement of the Supreme Court,while initiating action under SARFAESI, the position in case
of suit filed in DRT would be: that no permission is required fromDRT and action under SARFAESI can be initiated as
both the cases can run together.
105. For taking action under SARFAESI, the outstanding should be:More than Rs.1.00 lac
106. In case of SARFAESI Act, before preferring appeal to DRAT, how much amount is to be deposited
by the borrower with DRAT?: 50% of the claim amount which

can be reduced to 25% by the DRAT.
For making application to DRT, no amount is to be deposited