Bcsbi recollected
1) Garnishee Order received for Rs 10,000/- The minimum balance as per bank rule is Rs 3,000/- What is the course of action?
2) Right of appropriation is as per which act?
3) A teacher for the purpose of teaching enquiring bank regarding her rish categorization, as in what risk her account is classified?
4) Mr. X is having gold loan with our bank. He stand as a guarantor for Mr. Y. Now Mr. Y defaulted the loan and the account is NPA. Whether bank can hold the pledge ornaments?
5) How many CIC a bank should have membership as per guidelines ?
6) Which among the following is not CIC?
7) Which among the following is not Officially valid Documents (Answer was Ration Card)
8) Major complain received in Ombudsman for the credit card? (Wrong Billing)
9) What facility we cannot extend to Minor account ? (Overdraft facility )
10) What precaution bank take while accepting the power of attorney, Chooser the wrong answer (Power of attorney unstamped)
11) Maximum term of FCNR (B) deposit?
12) Full form of CORE in CBS?
13) Which among the following is implied needs? (Ans: Extra Attention to the service need)
14) Customer approaching for getting a pass sheet print in terms of passbook? Whether bank will issue apart from passbook?
15) The bank came to know that Mr. A, customer of your branch died on 01.09.2018. Mr. B is approaching the bank on 05.09.2018, to deposit money to that account. What will be the course of action?
16) Customer Delight Illustration by an example choosing from the options
17) Recently what and all deficiency are added to the purview of Ombudsman? (Bancassurance to ineligible/in appropriate customer & Non displaying of redressed/Ombudsman details at branch)
18) Who will appoint CEO in BCSBI?
19) Number of women representatives in various redressal forums under Consumer Protection Act?
20) How branch guide for a customer who is having a complaint? (Ans: TAT, Ombudsman details, etc)
21) The stop payment is issued, however bank honor the cheque, what will be the implication on the bank in terms of this deficiency?
22) Order cheque requires (Endorsement, Delivery or both ?)
23) Which among is not principles of banking? (Insolvency, trust, transparency etc )
24) A reduced customer complaint and increased business is a sign of (Good progress in business )
25) Example of social media marketing? (Advt in press/Internet etx)
26) Implication of a bank which is not a member of BCSBI ? (Less Image in public )
27) Mr. X an employee of the bank collects from neighbors everyday money not deposited to their account? What will be the implication ( Bank’s Image will go low, The staff will be punished, No implication on bank as the collection done not in branch time etc)
28) In terms of promotional materials internet, the bank’s ethics (Like not misleading, giving transparency, information etc)
29) Which among the given option is not a rating parameter for BCSBI for bank’s rating?
30) As per the BR act, who is having the power to conduct inspection of SCBs (NABARD)
31) Which among the following is not required to disclose as per the BCSBI codes to the person who do Forex transfer? (Answer was interest rate of beneficiary country for the term deposits)
32) A non - customer approached you for the remittance of Rs 60,000/- vide NEFT to his father in different town for the medical purpose. What will be the course of action as per BCSBI codes?
33) Mr. X issued a cheque in favor of Mr. Y in different city. He has presented to clearing to Bank. Mr. X now demanding for the original cheque to confirm the particulars entered. (Bank can give the image of cheque only)
34) The bank has send the returned cheque vide ordinary post to the payee. The same is lost in transit. How the case can be dealt to ?
35) Which among the given option is not retail banking?
36) Calculation of eligible loan by giving project cost, Reg Charge, Stamp Duty & Cost of Project @ given LTV of 90%
37) Who can authorize the alterations in the Cheque when it is presented over the counter for the payment?
38) The remittance above what amount o be strictly routed through A/c
39) The demand draft above what value to be credited or passed through account payee options?
40) What is the limit to which no processing charges for MSE loan? (Ans: 5 Lacs)
41) As per MSME CODE till what amount bank will give collateral free loan?
42) The loan given for ITI Education. The loan value is Rs 1.50 Lacs. It is a one year course Maximum moratorium can be ?
43) Demerits of credit card ( Overspending)
44) An unsolicited card is issued to a person. The bank charged Rs 100/- as fees. What is the course of action bank need to take?(Charge and Twice Value of the charges reversed)
45) Code of conduct of DSA : Which among is wrong?
46) Mr. X who is to be approached by our recovery agent old the agent to come to his company near the tea shop in the ground floor of his office, What the agent should do (Ans: No other way go only J )
47) Within how many days the customer can approach the appellate authority if they are not satisfied with the award given by Ombudsman?
48) Which among the following is not an advantage of demat services?
49) Which among the given option is not feature of endorsement?
50) The cheque given for the collection is returned unpaid, the notice is not given in 24 Hours to the party. The customer came to know after 2 months. How to compensate /deal with this situation?
51) Who controlling body for the the tele marketing ?
52) What is the pre requisite required while hiring a tele marketer for the bank?
53) The time limit for transfer of account from one branch to another branch same bank?
54) Which committee on customer service recommended that the passbook should be issued to FD holders like we issue for SB account ?
55) All the details in cheque is filled with ink, the signature is done with pencil. What will be the course of action?
56) As per the CPPAPS Committee, the evaluations are based on whose sense ? (Regulator, RBI, IBA or Customer. Answer is Customer )
57) Time frame for the settlement of death claim
58) Which among the following is not a BSBDA Account Features?
59) Time frame for the recovery agent to visit customers place ( 07:00 to 19:00)
60) As per the Copra Act, the redressal forum is (Quasi Judicial Machinery)
61) Which among to following is not right of customer as per COPRA act ( Giving criminal complaint on the service deficiency)
62) Which among the following conforms that the receiver is an active listener? (Ask question to understand the content)
63) In the following which is not the components of active listening?
64) Which is the following is not the duty of CEO of BCSBI?
65) Total number of members in Governing council of BCSBI?
66) The Change of charges if notified in 30 days, the customer is having option with in how many days to close/switch his account?
67) How many times an individual will get free credit report from CIBIL in a year ? (No free reports)
68) Time frame to give notice to the probable customers whose account to be converted to dormant/inoperative account ?
69) Notice of how many months is to be given when a branch is getting shut down where there is no branch of any bank.
70) When the usance bill is payable?
71) Nursing / restructuring of debts happen after how many days of NPA?
72) Which of the choices are not a post disbursement requirements bank do to MSE borrowers ? (Comparison with other units I guess is the answer)
73) Which is the primary distribution outlets for the banking services (Answer: Branches)
74) The ATM failed transaction beyond the stipulated waiting period of 7 days will have to be reimbursed to the customer by Onus settlement of (Card Issuing Bank, The bank whose ATM customer uses, None of these etc. )
75) Mr. X a recently current account opened customer issued with a cheque book initially. He is asked for 25 cheque books as he said some payments he need to give to group of people . What will be the course of action (Monitor the account for the issued cheque, how and what amount issued etc)
76) The time frame to rectify every breach in the code by BCSBI and reporting of the same (Ans: with in 7 days reporting and remedial action in 15 days )
77) Failure to submit the duly completed annual statement of annual compliance attracts fine not exceeding (Ans: Rs 1000/- per day )
78) Which of the following is the uses of CTS cheque clearing ( Ans: was all of these)
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