Post: Branch Manager
Department: District Cooperative Bank
Category Code: 433/09, 434/09
Question Paper: 05/19
Qualification: MBA/CA/M.Com/M.Sc (Co-operation and Banking), Bsc. (Co-operation & Banking)
Date of Test: 04-01-2019
If you find mistakes, comment below
- The International Co-operative Alliance (ICA) was formed in the year :
- 1888
- 1895
- 1890
- 1892
- The country in which Co-operative movement was first originated?
- France
- Denmark
- Germany
- England
- The President of a Co-operative society is an :
- Officer
- Employee
- Owner
- Advisor
- What was the objective of National Policy on Co- operatives framed in 2002?
- Provide support for promotion and development of cooperatives
- Reduction of’ regional imbalances
- Strengthening of co-operative education, training and human resource development.
- All of these
- Which year National Development Council (NDC) had recommended a National Policy on Co-operative Societies?
- 1955
- 1958
- 1960
- 1957
- A famous personality who has adopted new measures for giving relief to the people living in urban areas of Germany?
- F. W. Raiffeisen
- Herr Franz Schulze
- Sir Devzil lbbetson
- Sir Malcolm Darling
- The Multi-State Co-operative Societies Act 2002 of India has incorporated Co-operative values and principles in its ————————— schedule.
- First
- Second
- Third
- Fourth
- The Committee headed by ————————— recommended the principle ‘One Man One Vote’.
- Raiffeisen
- Gorwala
- Mac Lagan
- Minto Morley
- In which Five Year Plan, National Co-operative Consumers’ Federation was established?
- First
- Second
- Third
- Fourth
- The Kaira District Milk Producers Union was formed in the year :
- 1912
- 1915
- 1946
- 1950
- Which committee recommended the formation of NABARD?
- B.Sivaraman
- Khusro
- Brahm Prakash
- None of these
- Interest rates of deposits of Co-operative Credit Societies are fixed by :
- General Body
- RBI
- Government
- Registrar
- Operation flood III was launched by:
- NDDB
- NCDC
- NCUI
- NAFED
- Rochdale friendly Co-operative Society was formed in :
- 1825
- 1830
- 1835
- 1840
- LAMPS stands for :
- Large Sized Adivasi Multipurpose Co-operative Societies
- Large Sized Multipurpose Co-operative Societies
- Large Agricultural Multipurpose Co-operative Societies
- None of these
- The first All India Co-operative Congress held at:
- Patna
- Bombay
- New Delhi
- Calcutta
- Who had visited India in the capacity of a Co-operative Consultant to the Planning Commission in 1957?
- Sir. Malcolm Darling
- Dr. Ulkrik
- Dr. William King
- Lougi Luzzatti
- Regional Rural Banks came into existence as per the recommendations of ————————— Committee.
- C.V. Nair
- Sivaraman
- Narsimhan
- Mehtha
- NABARD started functioning from
- January 1982
- April 1982
- July 1982
- September 1982
- The shortcomings in the Act of 1904 was removed by another legislation known as
- Co-operative Societies Act of 1912.
- The Model Co-operative Act
- Constitution Amendment Bill
- None of’ these
- The first Diary Co-operative Society in India was registered at
- Anand in Gujarat
- Allahabad in Uttar Pradesh
- Aurangabad in Maharashtra
- Ahmedabad in Gujarat
- ——————— recommended the adoption of Crop Loan system:
- The All India Rural Credit Survey Committee
- The Planning Commission
- National Co-operative Union
- RBI
- ————————— is the federation of central Co-operative banks in a state:
- District Co-operative Bank
- Co-operative Union
- Land Development Bank
- State Co-operative Bank
- Organisational structure followed by co-operatives in India:
- Decentralised
- Centralised
- Federal
- None of these
- ————————— has been playing an important role in the development of Co-operative Marketing in India:
- NAFED
- MARKETFED
- NCDC
- NCMF
- IFFCO First put up two fertilizer plants in the State of:
- U.P
- Gujarat
- Bihar
- Maharashtra
- ————— is an apex organization of Consumers’ Co-operatives in India.
- NCCF
- NACF
- NCFI
- NCUI
- The National Co-operative Housing Federation of India was set up in the year :
- 1965
- 1970
- 1969
- 1966
- Kerala Co-operative Societies Act came into force with effect from :
- 15-05-1969
- 01-04-1968
- 01-04-1969
- 01-05-1969
- The final authority of a co-operative society shall be vested in the:
- Managing Committee
- General Body
- Registrar
- Secretary
- The committee of a society is liable to call a Special General Body Meeting after getting a requisition either from :
- Registrar or 1/5 of total members
- Secretary or 1/5 of total members
- Registrar or 1/4 of total members
- President or 1/4 of total members
- The quorum for a meeting of Committee shall be more than :
- 20% of the total number of members of that committee
- 30% of the total number of members of that committee
- 50% of the total number of members of that committee
- 25% of the total number of members of that committee
- Who shall be the custodian of cash securities and other properties of the society?
- President
- Committee
- Cashier
- Secretary
- Principal State Partnership Fund can be utilized for the purpose of:
- Directly purchasing shares in another society with limited liability
- Providing funds to a central society to purchase shares in another society
- To repay the amount to the Government
- All of these
- Every co-operative society shall transfer an amount not less than ————————— % of its net profit to the Reserve Fund:
- 10%
- 15%
- 20%
- 25%
- Every society with limited liability which are accepting deposits and not coming within the Banking Regulation Act shall maintain minimum liquid cover of 25% on :
- Total loans and advances
- Net loans and advances
- Total demand and time liabilities
- Total liabilities
- Audit fees is exempted from which of the following societies :
- Coir societies
- Housing societies
- Transport societies
- Farming societies
- Registrar shall issue an order of inquiry in a society:
- Registrar on his own motion
- Receipt of inquiry report of the Vigilance Officer
- On receipt of application by majority of members of the committee
- All of these
- Any dispute arises in the affairs of a co-operative society shall be decided by:
- Co-operative Arbitration Court and Registrar
- Registrar
- Co-operative Arbitration Court
- None of these
- One of the following is not a reason for winding up of a society:
- Total number of’ members has been reduced to less than twenty five
- Society has not commenced working within five months of its registration
- Registrar received application for winding up from three-fourth of the members of the society
- Registrar after conducting an inquiry/inspection under section 65 or 66 is of the opinion that the society ought to be wound up
- The liquidator shall complete the winding up proceedings within a period of ————————— from the date of his appointment :
- 2 years
- 3 years
- 1 year
- 2½ years
- A co-operative bank which has been affiliated with the Deposit Insurance and Credit
Guarantee Corporation is called :
- insured co-operative bank
- Guaranteed co-operative bank
- Protected co-operative bank
- None of these
- One can prefer an appeal against the order of the Registrar to the Kerala Co-operative Tribunal within ————————— days from the date of such order :
- 30 days
- 45 days
- 60 days
- 90 days
- The term of office of the members of’ the general body of’ State Co-operative Union shall be ————————— years :
- 3 years
- 4 years
- 5 years
- No limit
- SARFAESI ACT came into force in:
- 2000
- 2001
- 2002
- 2003
- ————————— are the foundation stone of the grass root level co-operative credit structure in India :
- PACS
- DCCB’s
- SCB’s
- UCB’s
-
The executive and administrative functions of’ District Central Co-operative Banks are carried out by :
- Chairman
- Vice Chairman
- Chief Executive Officer
- Manager
- The nodal agency at the state level for chnnelization of funds from RBI/ NABARD:
- SCB’s
- DCCB’s
- UCB’s
- PACS
- Urban Co-operative Banks are controlled by :
- RBI
- Co-operative Registrar
- Both RBI and Co-operative Registrar
- None of these
- Which Act lays down the law relating to payment of customer’s cheque by a bank and also protection available to a bank?
- Banking Regulation Act
- Negotiable Instruments Act
- Investor Protection Act
- SEBI Act
- Capturing the essential required particulars from the paper’ cheque to form an electronic image is Called :
- Crossing of cheque
- MICR cheque
- Truncation of cheque
- None of these
- Which of the following grants protection to a collecting bank?
- Bank has in good faith and without negligence received payment for a customer in properly opened account
- Bank has collected the payment through clearing system
- Bank has collected the payment in a properly opened account
- Where the cheque deposited for collection was account payee and crossed
- In societies. membership to local bodies is allowed as per :
- Kerala Co-operative Societies Act. 1969
- Kerala Co-operative Societies (Amendment) Act. 1999
- Both Kerala Co-operative Societies Act. 1969 and Kerala Co-operative Societies (Amendment) Act. 1999
- None of these
- The Bankers’ right to retain securities etc.. in respect of general balance due by their owner to the banker is called :
- Particular Lien
- General Lien
- Set- off
- Appropriation
- For Central or State Government, to file suit, the limitation period is ————————— years as per limitation Act.1963
- 3 years
- 10 years
- 20 years
- 30 years
- A term loan shall be classified as Non Performing. if interest and / or installment of principal of that loan remain overdue for a period of more than ————————— days:
- 45 days
- 90 days
- 180 days
- 365 days
- Risks arise out of external and uncontrollable factors are called :
- Systematic risk
- Unsystematic Risk
- Default Risk
- Business Risk
- All urban co-operative banks are required to mainta in stipulated level of :
- CRR only
- SLR only
- Both CRR & SLR
- None of these
- For what purpose the Treasury Bills are issued?
- For the short term requirements of the Government
- For the capital requirements of’ RBI
- For the long term requirements of the Government
- For the capital requirements oh RBI approved Financial Institutions
- The rate at which RBI borrow money from banks is called :
- Coupon Rate
- Repo Rate
- Reverse Repo Rate
- Floating Rate
- ————————— involves vertical expansion of functions and responsibility of the job holder.
- Job Enlargement
- Job Description
- Job Enrichment
- Job Analysis
- One of the following is not a technique of De Jobbing :
- Pyramid Organisation
- Flatter Organisation
- Boundaryless Organisation
- None of these
- Employing a competent and experienced person already working with another reputed company in the same or different industry is called:
- Outsourcing
- E-Recruitment
- Referrals
- Poaching
- The practice of’ identifying. studying and building upon best practices in the industry or in the world is called :
- TQM
- Benchmarking
- Kaizen
- Re-engineering
- One of the following is not coming under On the job training :
- Mentoring
- Vestibule Training
- Coaching
- Position Rotation
- A small group of people who voluntarily perform quality improvement activities at the work place is called :
- Quality Management System
- Quality Improvement System
- Total Quality Management
- Quality Circle
- Who introduced the concept Management By Objective (MBO)?
- Elton Mayo
- Henry Fayol
- Peter F Drucker
- F.W Taylor
- As per Herzberg’s Motivation — Hygiene Theory. One of’ the following is a hygiene factor :
- Salary
- Recognition
- Possibility of’ Growth
- Advancement
- Prevention of’ Money Laundering Act passed in the year :
- 2004
- 2002
- 2006
- 2007
- One of the following is not a Credit Rating Institution :
- CRISIL
- ARCIL
- CARE
- FITCH
- The appropriate objective of an enterprise is :
- Maximization of production
- Maximization of sales
- Maximization of owner’s wealth
- Maximization of profit
- The reciprocal of the earnings yield is called the ————————— ratio.
- Dividend yield
- Price - earning
- Earnings per share
- Dividend per share
- Net working capital means :
- Excess of current liabilities over current assets
- Total of current assets
- Excess of current assets over current liabilities
- Excess of total assets over total liabilities
- Capitalization of undistributed profit is called :
- Rights shares
- Sweat equity shares
- Preferential shares
- Bonus shares
- The use of debt capital along with the owners’ equity in the capital structure is described as :
- Financial leverage
- Operating leverage
- Fair capitalization
- Optimum capital structure
- The rate of return foregone on the next best alternative investment opportunity of comparable risk is termed as :
- Opportunity cost
- Specific cost
- Return on equity
- Weighted cost
- The discount rate which equates the present values of an investment’s cash inflows and out flows is called :
- Net Present Value
- Average Rate of Return
- Profitability Index
- Internal Rate of’ Return
- ————————— indicates the level of sales at which costs and revenues are in equilibrium.
- Margin of Safety
- Contribution Ratio
- Break Even Point
- All of these
- Agency costs increases with the increase of ————————— in the capital mix.
- Equity
- Debt
- Retained earnings
- None of these
- Unsecured promissory notes issued by better rated firms to raise short term funds is called :
- Secured Premium Note
- Zero Coupon Bond
- Commercial Paper
- Letter of Credit
- The parameters that invite corrective action from the RBI does not include :
- CRAR
- Profitability Ratio
- Net NPA
- Return on Assets
- The Insolvency and Bankruptcy Code came into force in the year :
- 2013
- 2014
- 2016
- 2018
- One of the following is not true in the case of Payment Banks :
- Payment banks can receive deposits
- Payment banks can lend money
- Payment banks have to invest 75% of its demand deposits in G Sec and T Bills
- Minimum paid up capital of Payment banks is 100 crores
- The concept of Small Finance Banks was given by ————————— Committee on financial inclusion :
- Nachiket mor
- Raghuram Rajan
- D.Subbarao
- Subhash Chandra Bose
- Delphi method of estimating future demand for a product or service is associated with :
- Econometric analysis
- Expert Opinion method
- Market Test method
- Sales Force opinion
- Economic growth potential that can result from shift in population’s age structure is called :
- Population Dividend
- Demographic Surplus
- Demographic Dividend
- New Generation Reward
- Which of the following is an example for product attribute?
- Product Design
- Product Packaging
- Brand
- Brand Equity
- Who introduced the concept Bottom of the Pyramid?
- Philip kotler
- Michael porter
- S.L. Hart
- C.K.Prahalad
- The practice of selling two or more separate products together for a single, lower price than what the items would cost if sold separately is called :
- Price Bundling
- Price Lining
- Reference Pricing
- Competition Pricing
- Which of the following is not the stage of new product development?
- Idea Generation
- Business Analysis
- Test Marketing
- Market Segmentation
- Consumers who like to avoid change and rely on traditional products until they are no longer available are called :
- Late majority
- Laggards
- Lame duck
- Late comers
- A firm‘s practice of setting a very low price for one or more of its products with the intent to drive its competition out of business is called :
- Price Skimming
- Predatory pricing
- Cost pricing
- Price discrimination
- In which stage of product life cycle. the company takes decision whether to maintain. harvest or drop the product?
- Pioneering
- Growth
- Maturity
- Decline
- The objective of Test Marketing is to :
- Test consumers with the product
- Introduce product in open market
- Predict product’s performance and its future
- Test the market with consumers
- Design products on a computer and then produce rough models to show potential consumers for their reactions is called :
- Rapid prototyping
- Physical prototyping
- Product imaging
- None of these
- How many banks merged with SBI in the year 2017?
- 4
- 5
- 6
- 7
- Time norm for disposal of loan application below Rs. 25.000 under priority sector is :
- 15 days
- 30 days
- 45 days
- None of these
- Statements to be prepared and submitted by co-operative society to the Registrar include:
- Receipt and Disbursement for the year
- Profit and Loss Account
- Balance Sheet
- All of these
- Which agency is in charge of’ planning and coordination of co-operative training programmes in the country?
- NCCT
- NABARD
- NICT
- NOCT
- VMNICOM was set up in the year 1967 at :
- Mumbai
- Baroda
- Pune
- Ahmadabad
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