Banking Awareness Quiz 31-8-2016

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Banking Awareness Quiz

Welcome to Banking Awareness Quiz in gkshort.in. Here we are making test covering critical inquiries which are normal for all the bank exams and other focused exams.

1). Which of the accompanying is a peak money related foundation for lodging?

निम्न में से कौन सा आवास के लिए एक शीर्ष वित्तीय संस्था है?

A. AIFI

B. NHB

C. DFI

D. Both (An) and (B)

E. Nothing unless there are other options

Answer and Explanation

B. NHB

Clarification:

NHB is a peak money related foundation for lodging. NHB has been set up with a target to work as an important office to advance lodging account foundations both at neighborhood and provincial levels.

2). NHB is completely claimed by ______

एनएचबी पूर्ण द्वारा स्वामित्व में है ______

A. GOI

B. RBI

C. SEBI

D. NABARD

E. Nothing unless there are other options

Answer and Explanation

B. RBI

Clarification:

NHB is entirely possessed by Reserve Bank of India.

3). The Headquarters of NHB situated in ________

राष्ट्रीय आवास बैंक के मुख्यालय में स्थित ________

A. Chennai

B. Mumbai

C. New Delhi

D. Gurugram

E. Nothing from what was just mentioned

Answer and Explanation

C. New Delhi

Clarification:

Base camp of NHB situated in New Delhi.

4). National Housing Bank(NHB) was set up under ___________

राष्ट्रीय आवास बैंक (एनएचबी) के तहत स्थापित किया गया था ___________

A. National Housing Bank Act, 1987

B. National Housing Bank Act, 1977

C. National Housing Bank Act, 1967

D. National Housing Bank Act, 1957

E. Nothing from what was just mentioned

Answer and Explanation

A. National Housing Bank Act, 1987

Clarification:

NHB was set up on 9 July 1988 under the National Housing Bank Act, 1987.

5).  Which of the accompanying contributed the whole paid-up capital in National Housing Bank(NHB)?

निम्न में से कौन सा राष्ट्रीय आवास बैंक (एनएचबी) में पूरे चुकता पूंजी का योगदान दिया?

A. GOI

B. RBI

C. SEBI

D. NABARD

E. Nothing from what was just mentioned

Answer and Explanation

B. RBI

Clarification:

RBI contributed the whole paid-up capital in National Housing Bank(NHB).

6). A HFC is required to have Minimum net possessed asset of ______

एक एचएफसी की न्यूनतम निवल स्वाधिकृत निधि की आवश्यकता है ______

A. Rs. 100 lakhs

B. Rs. 200 lakhs

C. Rs. 500 lakhs

D. Rs. 1000 lakhs

E. Nothing from what was just mentioned

Answer and Explanation

D. Rs. 1000 lakhs

Clarification:

For beginning the lodging account business, a HFC is required to have the accompanying notwithstanding the prerequisites under the Companies Act, 1956:

♦ Certificate of enlistment from NHB

♦ Minimum net possessed asset of Rs. 1000 lakhs

7). HFCs can acknowledge open stores for a time of __________

एचएफसी की अवधि के लिए सार्वजनिक जमा स्वीकार कर सकते हैं __________

A. 2 to 5 years

B. 1 to 5 years

C. 2 to 7 years

D. 1 to 7 years

E. The majority of the Above

Answer and Explanation

D. 1 to 7 years

Clarification:

As far as the Housing Finance Companies (NHB) Directions, 2001, HFCs can acknowledge open stores for times of one year or more and upto seven years as it were.

आवास वित्त कंपनियों (एनएचबी) निदेश, 2001 के संदर्भ में, आवास वित्त कंपनियों को एक वर्ष की अवधि के लिए और ऊपर और केवल सात साल तक सार्वजनिक जमा स्वीकार कर सकते हैं।

8). What is/are the FICO score organizations endorsed for the acknowledgment of open stores by a HFC?

क्या है / क्रेडिट रेटिंग एजेंसियों के एक आवास वित्त कंपनी द्वारा सार्वजनिक जमा राशि की स्वीकृति के लिए मंजूरी दे दी है?

A. The Credit Rating Information Services of India Ltd. (CRISIL)

B. ICRA Ltd.

C. Credit Analysis and Research Limited (CARE)

D. FITCH Ratings India Pvt. Ltd.

E. The greater part of the Above

Answer and Explanation

E. The greater part of the Above

Clarification:

The HFC having FICO assessment can acknowledge more stores when contrasted with a HFC without such appraising.

The accompanying FICO assessment offices have been endorsed for the above reason

♦ The Credit Rating Information Services of India Ltd. (CRISIL)

♦ ICRA Ltd.

♦ Credit Analysis and Research Limited (CARE)

♦ FITCH Ratings India Pvt. Ltd.

एचएफसी होने क्रेडिट रेटिंग अधिक जमा स्वीकार कर सकते हैं जैसे कि रेटिंग के बिना एक एचएफसी की तुलना में।
निम्न क्रेडिट रेटिंग एजेंसियों से ऊपर प्रयोजन के लिए अनुमोदित किया गया है
♦ क्रेडिट रेटिंग सूचना इंडिया लिमिटेड की सेवाएं (क्रिसिल)
♦ आईसीआरए लिमिटेड
♦ क्रेडिट एनालिसिस एंड रिसर्च लिमिटेड (केयर)
♦ फिच रेटिंग इंडिया प्रा लिमिटेड

9). What is contrast between banks and HFCs?

बैंकों और आवास वित्त कंपनियों के बीच क्या अंतर है?

A. HFCs can’t acknowledge request stores

B. It can’t issue checks drawn on itself

C. store protection office of Deposit Insurance and Credit Guarantee Corporation is not accessible to investors of HFCs

D. The majority of the Above

E. Nothing unless there are other options

Answer and Explanation

D. The majority of the Above

Clarification:

HFCs are doing capacities like banks as banks additionally gives lodging advances.

Notwithstanding, there are a couple of contrasts as given underneath:

♦ HFCs can’t acknowledge request stores

♦ HFCs don’t frame part of the installment and settlement framework and can’t issue checks drawn on itself;

♦ Deposit protection office of Deposit Insurance and Credit Guarantee Corporation(DICGC) is not accessible to investors of HFCs, dissimilar to if there should be an occurrence of banks.

आवास वित्त कंपनियों को बैंकों के बैंक भी आवास ऋण प्रदान करता है के रूप में करने के लिए इसी तरह के कार्यों कर रहे हैं।
हालांकि, वहाँ नीचे दिए गए के रूप में कुछ मतभेद हैं:
♦ एचएफसी मांग जमाओं स्वीकार नहीं कर सकते
♦ एचएफसी भुगतान और निपटान प्रणाली का हिस्सा नहीं है और खुद पर जारी चेक जारी नहीं कर सकते हैं;
♦ निक्षेप बीमा और प्रत्यय गारंटी निगम (डीआईसीजीसी) के जमा बीमा सुविधा बैंकों के मामले में विपरीत, एचएफसी के जमाकर्ताओं के लिए उपलब्ध नहीं है।

10). As far as _________, HFCs can’t direct business of lodging account without acquiring a Certificate of Registration (CoR) from NHB

_________ के संदर्भ में, आवास वित्त कंपनियों को राष्ट्रीय आवास बैंक से पंजीकरण का प्रमाण पत्र (पंजीकरण प्रमाण) प्राप्त करने के बिना हाउसिंग फाइनेंस के कारोबार का संचालन नहीं कर सकते
राष्ट्रीय आवास बैंक 1987 की धारा 29 ए के

A. Area 29A of National Housing Bank 1987

B. Area 28A of National Housing Bank 1987

C. Area 27A of National Housing Bank 1987

D. Area 26A of National Housing Bank 1987

E. Nothing unless there are other options

Answer and Explanation

A. Area 29A of National Housing Bank 1987

Clarification:

As far as area 29A of the National Housing Bank, 1987, HFCs can’t lead business of lodging fund without acquiring a Certificate of Registration (CoR) from NHB. Behavior of business without getting testament of enrollment is an offense culpable under the arrangements of the National Housing Bank Act, 1987. NHB can likewise document application for ending up of such HFCs, under segment 33B of the said Act.

 

 

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