CAIIB ABM MODULE D 60 MCQs

 

CAIIB ABM MODULE D 60 MCQs

01. Statutory corporations are controlled by which act for credit management.

a) Indian contract act

b) Company act

c) Act that created them

d) Indian partnership act

e) Indian trust act and public act

Ans: c

02. Which one of the following is not a non fund base credit?

a) Letter of credit

b) Bill discounting

c) Co-acceptance of bills

d) Forward contract

e) Derivatives

Ans: b

03. Mr. Shyam has a house in a rural village, very near to Agra. His house is very old and

required some repairing work. So, Mr. Shyam visited Agra main branch for a loan, how much

amount of loan he can avail from bank under housing finance.

a) 1 lakh

b) 2 Lakh

c) 5 Lakh

d) 10 Lakh

e) 20 Lakh

Ans: a

04. Small enterprises advance and export credit does not financed by both public sector and

PSU (export does not comes under priority sector advance) what percentage of small

enterprises advance and export credit is supposed to be given ___ and ___ respectively.

a) 40 and 32 %

b) 18 and 10%

c) 10 and 12%

d) No target and 12%

e) 10% and no target

Ans: c

05. RBI to free the landing rates of scheduled commercial banks for credit limit over ___.

a) 01 Lakh

b) 02 Lakh

c) 05 lakh

d) 10 Lakh

e) 20 Lakh

Ans: b

06. BPLR system of lending rates replaced by base rate system it was effected from ____.

a) 01 Jun 2010

b) 01 Jul 2011

c) 01 Jan 2010

d) 01 Jul 2010

e) 01 Jul 2003

Ans: d

07. No penal interest should be charged with effect from 10 Oct 2000 to borrower�s loan

under priority sector up to Rs _____.

a) 10000

b) 20000

c) 25000

d) 50000

Ans: c

08. No collateral security is required loan under MSME both manufacturing and production and

providing or rendering of services up to Rs ___.

a) 1 lakh

b) 2 lakh

c) 5 lakh

d) 10 lakh

e) 20 lakh

Ans: C

09. Which accounting standard makes it mandatory for some enterprises to prepare cash Flow

Statement for the accounting period?

a) AS-1

b) AS-3

c) AS-9

d) AS-17

Ans: b

10. Industries & business enterprises whose turnover for the accounting period exceeds Rs.

50 crore has to submit segment-wise reporting as per _____.

a) AS-3

b) AS-7

c) AS-17

d) AS-21

e) AS-22

ANS: C

11. MR. Rohit want to invest some money in XYZ co., he want to purchase some stocks of this

co. How Mr. Rohit can assess to financial statement of the XYZ co.

a) By balance sheet

b) By EPS

c) By financial statement

d) all

Ans: d (EPS- earning per Share)

12. Basic concept used in preparing of financial statements is given below pick up the odd

one.

a) Entity concept

b) Money market concept

c) Going concern concept

d) Dual aspect concept

e) Accrual concept

ANS: b

13. As per company act the maximum period of financial period is 15 months, MR Charles is

GM of ABC co. due to some contingency he is unable to prepare his Financial statement so he

want to extend his financial to another 03 months i.e. 18 months maximum period of financial

statement so MR Charles has to approach to whom for such extension.

a) Income Tex office

b) Reserve bank of India

c) Accountant general of region

d) Registrar of company

Ans: d

14. The companies Act classifies liabilities which shown on the left side of the horizontal form

pick up the odd one.

a) Share capital

b) Reserve & surplus

c) Miscellaneous expenditure

d) Secured & unsecured loans

e) Current liability & provisions

Ans: c

15. Revenue reserve represents accumulated retained earnings from the profits of normal

business operations. These are held in various forms that are given below pick up odd one

___.

a) General reserve

b) Investment allowance reserve

c) Advance payment received

d) Capital redemption reserve

e) Dividend equalization reserve

Ans: c

16. 17. Current liabilities and provisions as per classification under the co. act consist of the

following except one given below.

a) Advance payments received

b) Accrued expenses

c) Pre-paid expenses

d) Unclaimed dividend & dividends

e) Provisions for taxes

f) Gratuity and pensions

Ans: c

17. Which committee has prescribed inventory norms for various industries?

a) Narasimham committee

b) Raghawan committee

c) Tandon committee

d) Chakraborty committee

Ans: c

18. ____ % of small enterprises advances should go to micro enterprises in case of foreign

banks.

a) 20

b) 40

c) 60

d) 80

Ans: c

19. In order to avoid the problem in delay in realization of bills, bank may take advantage of

improved computer/communication network ___.

a) GUI

b) SFMS

c) ETF

d) SWIFT

ANS: b

20. Bank guarantee should normally have a maturity of more than ___.

a) 5 years

b) 10 years

c) 15 years

d) 20 years

e) 25 years

Ans: b

21. The conduct of LC business is governed by����..

a) RBI

b) IRDA

c) UCPDC 600

d) AMFA

e) GOI

Ans: c

22. What should bank do if the owner of the collateral security is someone other than the

borrower?

a) Reject the loan

b) Transfer security to the name of borrower

c) He should become first guarantor of the loan and create charge over the security

d) Security should be hypothecated to the banker

Ans: c

23. What bank should do to avoid asset-liability maturity mismatch that may arise out

extending long tenor to infrastructure projects.

a) Return on investment

b) break- even analysis

c) Liquidity support from IDFC

d) Take-out financing arrangement

e) Sensitivity analysis

Ans: d

24. Frequency of review should vary depending on the magnitude of risk for the average risk

account.

a) 01 month

b) 03 months

c) 06 Months

d) 12 Months

Ans: c

25. In case of company, the charge should be registered with ROC within ___ days from the

date of execution of documents.

a) 15 days

b) 30 days

c) 45 days

d) 2 m

Ans: b

26. What is Priority sector target of Direct & Indirect Agriculture for Domestic banks?

a) 13.5% of ANBC or Off Balance Sheet Items whichever is higher. 4.5% for Indirect Agri.

b) 10% of anbc or 6% for indirect agri

c) 12% of anbc or 4.5% for indirect agri

d) No target

Ans: a (it is 18% in total 13.5 % is direct Ans 4.5% is indirect agric)

27. What are targets and sub-targets of DRI advances?

a) 1% of total outstanding advances of previous year

b) Out of which 40% should go to SC/St

c) 2/3rd must route though Rural and Semi Urban branches

d) All of these

ANS: d

28. What are prudential norms for individuals and Groups as per RBI guidelines? Pick up odd

one.

a) Individuals Groups General 15% of Capital Funds

b) 40% of Capital Funds of borrower group

c) Infrastructure 20% of Capital Funds single borrower

d) 50% of Capital Fund to gp infrastructure project

e) Oil Companies 25% of Capital Funds

f) All correct

ANS: f

29. Monetary and Credit policy is issued by RBI how many times in a year?

a) Monetary Policy is issued annually

b) With quarterly review

c) Credit Policy twice a year

d) All of these

Ans: d

30. RBI has restricted bank to finance against/to _______________.

a) Bank�s own shares

b) Relatives of Directors and Senior Officers

c) Sensitive commodities under selective control measures

d) FDRs of other banks, CDs, Companies for buy back of shares and Industries consuming

Ozone Depleting Substance (ODS)

e) All of these

Ans: e

31. Explain Delivery of credit for WC limits of 10 crore and above.

a) CC component -20% & WCTL component-80%

b) WCTL component-80% & CC Components-20%

c) WCTL components-50% & CC Components-50%

d) CC Components-15% & WCTL components-85%

ANS: a- The proportion is not fixed but is flexible according to requirement of borrower.

32. What are provisioning norms for Standard Assets? Pick up odd one.

a) Direct SME and Direct Agriculture 0.25%

b) Others 0.40%

c) Commercial Real Estate 1%

d) Teaser Housing Loans 2%

e) None of these

Ans: e (It is Classification Rate of provision)

33. In how many years, Foreign banks with 20 branches and above in India need to achieve

PS target of 40%?

a) 2 years

b) 3 years

c) 4 years

d) 5 years

e) 7 years

Ans: d -starting from 1.4.2013 up to 1.4.2018.

34. What is ANBC?

a) Bank Credit in India + Bills Rediscounted with RBI/other approved institutions + Investment

in Non-SLR bonds under HTM category + other investments eligible to be treated as PS

b) Bank Credit in India + Investment in Non-SLR bonds under HTM category + other

investments eligible to be treated as PS

c) Bank Credit in India + Bills Rediscounted with RBI/other approved institutions + Investment

in Non-SLR bonds under HTM category

d) Bank Credit in India + Bills Rediscounted with RBI/other approved institutions + other

investments eligible to be treated as PS.

Ans: b

(Now amended) as per http://www.rbi.org.in/scripts/NotificationUser.aspx?Id=7460&Mode=0

35. Base Rate is determined in each bank by ___.

a) ALCO

b) BPLR

c) ALM

d) DSCR

e) SFMS

Ans: a (Asset Liability Management Committee)

36. The target given for advances to weaker sections in percentage of ANBC is ___.

a) 10% for domestic banks

b) 12% for foreign banks

c) No target for domestic banks

d) 10% for foreign banks

Ans: a

37. Mark the incorrect statement.

a) No target is given to domestic banks for small enterprise advances

b) No target is given for agriculture advances in for foreign banks

c) Export credit does not form a part of priority sector for domestic banks

d) Export credit does not form a part of priority sector for foreign banks

Ans: d

38. Gain on revaluation of asset is a ____.

a) General reserve

b) Investment allowance reserve

c) Capital reserve

d) Revenue reserve

Ans: c

39. Banks can file a civil suit for recovery of their dues in civil courts. This option is used for

dues ____.

a) Up to 5 lacs

b) Up to 10 lacs

c) Above 10 lacs only

d) Above 20 lacs only

Ans: c

40. What are provisioning norms for NPAs? Classification of assets Provision on Secured

Provision on Unsecured

a) Sub-Standard 15% 25%

b) Doubtful (D1) 25% 100%

c) Doubtful (D2) 40% 100%

d) Doubtful (D3) 100% 100%

e) Loss Assets 100% 100%

f) All correct

Ans: f

41. You are a loan in charge of ABC one of your a/c of personal loan in the name of Mr.

subhash is not paying his dues in time lots of reminder have been send by you for recovery ,

you have approached him for rehabilitation, he has agreed for that. What will be next step?

a) Rescheduling/restructuring

b) Legal action

c) Exit from the account

d) Compromise

e) Write off

Ans: d

42. Lok adalat (peoples� court) at present resoling issue of NPAs, the enhanced limit from

Aug 2004 is ___.

a) 5 lakh

b) 10 lakh

c) 20 lakh

d) 25 lakh

e) 25 lakh above

Ans: 20

43. Banks and FIs for expediting the recovery cases to DRTs (Debt Recovery Tribunals) for

NPAs value in excess of ___.

a) 05 lakh

b) 10 lakh

c) 20 lakh

d) 25 lakh

e) 25 lakh above

Ans: b

44. SARFAESI Act 2002 has been extended to cover co-operative banks by notitification dated

___.

a) 21 June 2002

b) 21 Jul 2002

c) 21 Jul 2010

d) 28 Jan 2003

e) 01 Jan 2003

Ans: d

45. CDR is a ____ mechanism.

a) Statutory

b) Non-statutory

c) Core

d) None of these

Ans: b (Corporate Debt Restructuring)

46. Define Small Business on the basis of annual Turnover?

Ans. Whose Annual turnover is less than 50 crore.

47. How will you define Retail Customers?

Ans. Borrowers with exposure of more than 5.00 crore

48. What is Priority sector target of Direct & Indirect Agriculture for Domestic banks?

Ans. 13.5% of ANBC or Off Balance Sheet Items whichever is higher. 4.5% for Indirect Agri.

49. What are targets and sub-targets of DRI advances?

Ans. 1% of total outstanding advances of previous year. Out of which 40% should go to SC/St

and 2/3rd must route though Rural and Semi Urban branches.

50. Priority Sector Target For Housing Loan

Ans. Housing Loan ----Rs. 25 lac for Metro stations having population 10.00 lac and above. Rs.

15 Lac for other cities.

For Repair-----------up to 2.00 (Rural and SU) and Rs. 5.00 lac (Urban and Metro)

51. Define Small and Marginal farmer.

Ans. Farmers having land up to 1 hector are Marginal Farmers and others having land up to 2

Hector are Small Farmers.

52. Define Micro, Small and medium for manufacturing and service units.

Ans. Investment in Plant and Machinery for Manufacturing Units

Investment in Equipment For Service Units

Micro Up To Rs. 25 lac Up To Rs. 10 lac

Small Up To Rs. 5.00 crore Up to Rs. 2.00 crore

Medium Up To Rs. 10.00 crore Up To Rs. 5.00 crore

53. What are provisioning norms for NPAs?

Classification of assets Provision on Secured Provision on Unsecured

Sub-Standard 15% 25%

Doubtful (D1) 25% 100%

Doubtful (D2) 40% 100%

Doubtful (D3) 100% 100%

Loss Assets 100% 100%

54. What are Prudential norms for individuals and Groups as per RBI guidelines?

Ans. Individuals Groups

General 15% of Capital Funds 40% of Capital Funds

Infrastructure 20% of Capital Funds 50% of Capital Funds

Oil Companies 25% of Capital Funds

55. How much amount of loan can be sanctioned to Agriculture and SME without Collateral?

Ans. Agriculture --------------1.00 lac

SME----------------------10.00 lac

56. Monetary and Credit policy is issued by RBI how many times in a year?

Ans. Monetary Policy is issued annually with quarterly review and credit Policy twice a year.

57. RBI has restricted bank to finance against/to _______________?

Ans.

1. Bank�s own shares

2. Relatives of Directors and Senior Officers.

3. Sensitive commodities under selective contro measures.

4. FDRs of other banks, CDs, Companies for buy back of shares and Industries consuming

Ozone Depleting Substance (ODS)

58. Explain Delivery of credit for WC limits of 10 crore and above.

Ans. CC component --------20%

WCTL component-----80%

The proportion is not fixed but is flexible according to requirement of borrower.

59. What are provisioning norms for Standard Assets?

Ans. Classification Rate of provision

Direct SME and Direct Agriculture 0.25%

Others 0.40%

Commercial Real Estate 1%

Teaser Housing Loans 2%

60. What are PS targets for Micro and Small Enterprises?

Ans. All MSE loans will be treated as PS. But sub-targets within overall MSE loans are as

under:

40% 20% 40%

Manufacturing units

having Investment in Plant and Machinery

Up to Rs. 5.00 lac

Above 5.00 up Rs. 25.00 lac

Above 25.00 lac

Service Units having Investment in Equipment

Up to Rs. 2.00 lac

Above Rs. 10.00 lac

Above Rs. 10.00 lac

61. What are PS targets for Foreign Banks having less than 20 branches in India?

Ans. Total Priority Sector 32% of ANBC or Off Balance Sheet Items (Higher)

Agriculture No specific target but forms part of Total PS

MSE units No specific target but forms part of Total PS

Export No specific target but forms part of Total PS

Weaker sector No specific target but forms part of Total PS

62. In how many years, Foreign banks with 20 branches and above in India need to achieve

PS target of 40%?

Ans. 5 years starting from 1.4.2013 up to 1.4.2018.

63. What are PS targets of weaker sector for Domestic banks and Foreign banks having 20

and above branches in India?

Ans. 10% of ANBC or Off Balance Sheet Items whichever is higher.

64. What is ANBC?

Ans. Bank Credit in India + Bills Rediscounted with RBI/other approved institutions +

Investment in non-SLR bonds under HTM category + other investments eligible to be treated

as PS.

65. Base Rate is determined in each bank by ____.

Ans. Asset Liability Management Committee (ALCO)Top of Form

very important for CAIIB BFM EXAM ECGC

 ECGC guarantee

In the case of advances classified as doubtful and guaranteed by ECGC, provision should be made only for the balance in excess of the amount guaranteed by the Corporation. Further, while arriving at the provision required to be made for doubtful assets, realisable value of the securities should first be deducted from the outstanding balance in respect of the amount guaranteed by the Corporation and then provision made as illustrated hereunder:

Example

Outstanding Balance	Rs. 4 lakhs
ECGC Cover	50 percent
Period for which the advance has remained doubtful	More than 2 years remained doubtful (say as on March 31, 2014)
Value of security held	Rs. 1.50 lakhs

Provision required to be made

Outstanding balance	Rs. 4.00 lakhs
Less: Value of security held	Rs. 1.50 lakhs
Unrealised balance	Rs. 2.50 lakhs
Less: ECGC Cover (50% of unrealisable balance)	Rs. 1.25 lakhs
Net unsecured balance	Rs. 1.25 lakhs
Provision for unsecured portion of advance	Rs. 1.25 lakhs (@ 100 percent of unsecured portion)
Provision for secured portion of advance (as on March 31, 2012)	Rs.0.60 lakhs (@ 40 per cent of the secured portion)
Total provision to be made	Rs.1.85 lakhs (as on March 31, 2014)

VERY IMPORTANT FOR CAIIB BFM EXAM CGTMSE

 Credit Guarantee Fund Trust For Micro And Small Enterprises (CGTMSE) or Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH)

In case the advance covered by CGTMSE or CRGFTLIH guarantee becomes nonperforming, no provision need be made towards the guaranteed portion. The amount outstanding in excess of the guaranteed portion should be provided for as per the extant guidelines on provisioning for non-performing assets. An illustrative example is given below:

Example

Outstanding Balance	Rs. 10 lakhs
CGTMSE/CRGFTLIH Cover	75% of the amount outstanding or 75% of the unsecured amount or Rs.37.50 lakh, whichever is the least
Period for which the advance has remained doubtful	More than 2 years remained doubtful (say as on March 31, 2014)
Value of security held	Rs. 1.50 lakhs

Provision required to be made

Balance outstanding	Rs.10.00 lakh
Less: Value of security	Rs. 1.50 lakh
Unsecured amount	Rs. 8.50 lakh
Less: CGTMSE/CRGFTLIH cover (75%)	Rs. 6.38 lakh
Net unsecured and uncovered portion:	Rs. 2.12 lakh
Provision for Secured portion @ 40% of Rs.1.50 lakh	Rs.0.60 lakh
Provision for Unsecured & uncovered portion @ 100% of Rs.2.12 lakh	Rs.2.12 lakh
Total provision required	Rs.2.72 lakh

Ten Mistakes to avoid while preparing for CAIIB exam

  Ten Mistakes to avoid while preparing for CAIIB exam

1.Not allocating sufficient amount of Study time daily:

This is a very common mistake done by many CAIIB aspirants, Cramming the information before the night of the exam or before two days may helped you in JAIIB examination (Although it is a wrong way of preparation). But here in CAIIB examination it won’t help you to even score thirty marks. A thorough understanding of concepts are needed for almost all topics so having a daily study routine is must for all aspirants.

I know it is very tough to find time during our busy banking hours. If you don’t have time for continuous 2 hrs then split the study hours into three or four sessions of 30 to 40 minutes a day. Since syllabus of CAIIB subjects cover many topics; In depth understanding of each topic is also needed to answer questions that test our knowledge, analytical skills and problem solving skills. So daily allocating sufficient amount of study time is necessary.

2.Not having clear focus on optional paper:

Selecting the correct optional paper and having clear focus on it, is must for successful completion of CAIIB exam. Although the Retail banking and Financial Banking are easy papers to clear, You need choose your optional paper based on your knowledge, interested areas in banking and career development. Don’t follow others recommendation for optional paper blindly. You have to analyse and decide your optional paper.

Remember CAIIB is not only for increments; it also provides many useful theoretical knowledge in different areas of banking.

 

3.Not learning the basic concepts:

Every topic of a subject has basic and fundamental concepts to be learnt by heart. Learning them thoroughly makes us to understand the more complex concepts. Complex concepts are nothing but complex combination of simple and basic concepts. We should have studied the fun1damental concepts in JAIIB (who knows it now ;P ;)). If not revise it then and there when it is required.

To learn the fundamental concepts of economy, business maths, accountancy you can refer more books from your commerce background friends. Remember learning complex concepts won’t be useful if you don’t understand the fundamental concepts behind them.

4.Not understanding and giving importance to syllabus:

In any examination if we want to pass that exam we should thoroughly understand the syllabus first. Because understanding the syllabus will give us a clear picture of what we are going to learn. We also get some insights about the subject. It also helps us to have an idea whether we are familiar with that topic or not. This will help you to assess the complexity of the subject and how much time you need to spend with a topic.

Give importance to syllabus helps to choose the right books for our preparation. Because there are materials that doesn’t cover the full syllabus (only the main areas of the syllabus) are available free in many study groups and websites. Aspirants who doesn’t aware of syllabus simply read those material and attend the exam.

5.Not having a preparation strategy and study plan

This is a common mistake many aspirants do, thinking there is no necessary for planning your study. They even think it is a waste of time. Whatever excuses we give, having a preparation strategy and study plan is must for any type of exam. It will help us to be goal oriented and stay focused of our target. If you do your targeted studies every day, it will make you motivated. As your progress through your schedule you will feel relaxed and your stress level for exam is reduced.

Creating a schedule will hardly take one to two hours of your time. While creating a schedule of your own you will also analyse the syllabus. There are many benefits can be pointed for having a good study plan. Though the initial effort may look too much; But the benefits are fruitful and long-lasting.

6.Not taking effective notes while studying itself

Many aspirants not even consider taking notes is a part of study. While studying if you take notes you will give importance to details. Giving importance to details will make you to ask more questions and to find short answers for it. This enhances your understanding about the topic. It also makes you to break down the contents of your learning in an easy way. Therefore your memory increases and whenever you see the notes you can recollect the content.

Thus taking notes helps you for better and easy revision. I know it is time consuming but once you are familiarised, it will be easy for you to take notes. Because your eyes can spot the important detail easily; Your mind organise them with an analogy for easy remembrance.

7.Not solving and practising mathematical problems:

Unlike JAIIB, here calculations, formulas and case studies are very important. You definitely need to solve all the problems in your study materials and work books you got. Don’t simply study a formula using one example of a problem related to it. Change the parameters and create problem of your own then solve it. By doing so, you will learn about importance of each parameter of the formula.

Practice, Practice, Practice!!!!!. There is no replacement for practising when solving problems, case studies and balance sheet analysis. When solving problems related to Balance sheet also use the same method as described above. There by we can improve our problem solving skills and analytical skills

8.Not revising the topics regularly:

Many aspirants ignore the importance of revising, stating there is no time for revising. If you are not making study plan you will not even find time to complete the syllabus. So no excuses, use your notes to revise the topic at regular intervals. For example every Sunday spare 20 to 30 minutes for revising, in addition to your study time.

 “Revise little but often” is the key strategy. Repeated revision make you feel bored and gives a feeling “Ahh!!! I know it. Don’t need to study”. But it makes you to master a topic; If five questions are asked from a single topic for knowledge testing; You can answer all, with 100% accuracy.  

9.Not learning from the mistakes:

The biggest and costliest thing is learning from your mistake. If you have failed in an attempt, accept the failure and analyse where you lacked. When I say accept your failure that doesn’t mean to blame yourself. It means asking yourself questions related to find the cause of the failure. What is the main reason for non completion of the syllabus? In which topic i should improve my knowledge? etc,. How can I improve my reading ability further?

The answer to the questions should not be too general. It should be specific to spot your weakness. When you find your weakness please work on it. Nobody is perfect in the universe; So find your weakness and mistakes; Try to rectify it before your next attempt.

10.Not using the technology for proper and effective preparation of exam:

Because of the technology we can study anything from anywhere. So use your mobile, internet, websites, facebook communities,forums and blogs etc,.You can get any information from internet in just a single click or a single press of your finger. I am not saying you to depend on them but to use them as effectively as possible. So do your search whatever you feel useful subscribe to them.

Also many websites offering free mock test use them to test your knowledge. While giving mock test take it as serious as an exam. Then only you can know your time management under pressure and boosts your confidence.

Memory based recollected questions of Certificate course on prevention of cyber crime and fraud management dated 25th april 2021

 Memory based recollected questions of Certificate course on prevention of cyber crime and fraud management dated 25th april 2021

1. Mens rea

2.EMV card ISO NO OF contact 7816 and contact less 14443 

3.cyber stalking

4. Cyber squatting 

5.Cyber extortion 

6. Phishing and vishing 

7.phreaking 

8.define cyber crime 

9.fraud triangle 

10.Threat vector 

11. Threat landscape 

12. John Deo order

13. Fast flux

14. Spoofing

15. ICANN & NIXI 

16.ccTLD

17.Cryptolocker 

18. SCADA

19.Confidentiality, integrity and availability 

20. Non repudiation, authorisation, authentication 

21.2 FA

22. BYOD 

23.Tailgating,masquerading, trespassing, trapdoors 

24.MiTM,virus,worm,adware,trojan horse ,spyware 

25.CAPTCHA

26.Internet of things

27.RDBMS, front end access, back end access 

28.rootkit and spamming 

29. White hat hacker,black hat hacker,gray hat hackers,blue hat hacker,zero day vulnerability, 

30. Phreaking 

31. Anonymous 

32.risk based authentication 

33. Fraud , computer fraud ,cyber crime 

34.matrix code 

35. RFID TAG 

36. USER level controls, application control, database controls, operating system controls 

37.prevention controls , detection controls and mitigation control 

38. encryption 

39.stage IV 

40 . ITIL list 

41. Locard's exchange principle 

42.SIM,IMSI,IMEI,CDR ,GSM,CDMA 

43. C-DAC 

44 Wearable technology 

45.EFT, OLTP,STP,EDI,

46. R commerce 

47 payment/digital wallets

48.CISA

49. Rupay 

50. PCI-DSS

51. Amendment in ITA 2008