Q1. नॉन-परफॉर्मिंग एसेट्स (एनपीए) से डील करने के लिए विशेष रूप से किस अधिनियम को स्थापित किया गया है?
(a) बैंकिंग विनियमन अधिनियम 1949
(b) विदेशी मुद्रा प्रबंधन अधिनियम (फेमा) 1999
(c) औद्योगिक विवाद अधिनियम 1 9 47
(d) सरफेसी अधिनियम, 2002
(e) दिए गए विकल्पों में से कोई नहीं
(a) 2-7 दिन
(b) 2-14 दिन
(c) 2-21 दिन
(d) 2-28 दिन
(e) 2-90 दिन
Q3. भारत में एसेट रिकन्स्ट्रक्शन कंपनी (एआरसी) _________ से सम्बंधित है-
(a) UCPDC
(b) DICGC
(c) NPA
(d) Home Loan
(e) दिए गए विकल्पों में से कोई भी सत्य नहीं है
Q4. निम्नलिखित में से कौन सा बैंकों द्वारा दैनिक रूप से नकदी की अपनी अस्थायी आवश्यकता को पूरा करने के लिए मुख्य रूप से उपयोग किया जाता है?
(a) वाणिज्यिक पत्र
(b) जमा प्रमाणपत्र
(c) जमानती ऋण दायित्व (CBLO)
(d) कॉल मनी
(e) दिए गए विकल्पों में से कोई भी सत्य नहीं है
Q5. ___________, एक बांड, धन और डेरिवेटिव बाजार के लिए एक स्वैच्छिक बाजार निकाय है.
(a) RBI
(b) SEBI
(c) IRDAI
(d) FIMMDA
(e) UIDAI
Q6. डाक विभाग, भारत पोस्ट के रूप में व्यापार, भारत में एक सरकारी संचालित डाक प्रणाली है. डाक विभाग विभाग किसके तहत आता है?
(a) वाणिज्य और उद्योग मंत्रालय
(b) राजस्व विभाग के वित्त विभाग
(c) वित्त मंत्रालय और लोक सेवा
(d) संचार एवं सूचना प्रौद्योगिकी मंत्रालय
(e) गृह मंत्रालय
Q7. डाक सेवा बोर्ड डाक विभाग का ________ है.
(a) सर्वोच्च प्रबंधन निकाय
(b) नियामक प्रबंधन निकाय
(c) वित्तीय प्रबंधन निकाय
(d) सांविधिक प्राधिकरण
(e) दिए गए विकल्पों में से कोई भी सत्य नहीं है
Q8. पोस्टल सर्विस बोर्ड में कितने सदस्य शामिल हैं?
(a) चार
(b) तीन
(c) पांच
(d) दो
(e) छ
Q9. डाक सेवाएं प्रदान करने के लिए, पूरे देश को _______ डाक सर्कल में विभाजित किया गया है.
(a) 21
(b) 25
(c) 23
(d) 27
(e) 29
Q10. डाक सेवा बोर्ड के वर्तमान सचिव और अध्यक्ष कौन हैं?
(a) मीरा हांडा
(b) अनंत नारायण नंदा
(c) उषा चन्द्र शेखर
(d) अचला भटनागर
(e) उदय कृष्ण
Q11. IFS यूपीयू द्वारा सदस्य देशों के बीच अंतरराष्ट्रीय प्रेषण सेवाएं समन्वय करने के लिए विकसित किया गया साफ्टवेयर है. वर्तमान में यह सेवा एलए पोस्ट ग्रुप, फ्रांस और संयुक्त अरब अमीरात के साथ परिचालित है. IFS का पूर्ण रूप क्या है-
(a) International Financial Scheme
(b) Indian Financial System
(c) International Fund System
(d) International Financial System
(e) International Financial Service
Q12. आईएफएस मनी ऑर्डर सेवा भारत पोस्ट की अपनी सेवा है आईएफएस मनी ऑर्डर की क्या सुविधा है?
(a) eMO नेटवर्क पर 17,500 डाकघरों में से किसी भी पर प्रेषण प्राप्त किया जा सकता सकता है
(b) प्राप्तकर्ता भारतीय रुपयों में पूरी राशि प्राप्त करता है
(c) प्रति व्यक्ति प्रति वर्ष अधिकतम 30 लेनदेन है.
(d) नकद में 50,000 रुपये तक का प्रेषण प्राप्त किया जा सकता है.
(e) उपरोक्त सभी आईएफएस मनी ऑर्डर सेवाएं हैं
Q13. डाक विभाग (डीओपी) एमएमटी एक ऐसी सेवा है जो भारतीय डाकघरों के माध्यम से मोबाइल के जरिये एक स्थान से दूसरे स्थान पर त्वरित पैसों भेजने में सक्षम करता है. MMT में “T" का क्या अर्थ है?
(a) Trust
(b) Transfer
(c) Timely
(d) Transaction
(e) Tructed
Q14. ______ भारत पोस्ट द्वारा भारत में लाभार्थियों को विदेश से व्यक्तिगत प्रेषण स्थानांतरित करने का एक त्वरित और आसान तरीका है.
(a) ईएमओ नेटवर्क
(b) अंतर्राष्ट्रीय वित्तीय प्रणाली
(c) मनी ट्रांसफर सर्विस स्कीम
(d) नेशनल इलेक्ट्रॉनिक फंड्स ट्रांसफर
(e) विश्वव्यापी इंटरबैंक वित्तीय दूरसंचार के लिए सोसायटी
Q15. वेस्टर्न यूनियन फाइनेंशियल सर्विसेज के साथ भारत सरकार के डाक विभाग के सहयोग के परिणामस्वरूप, आर्ट इंटरनेशनल मनी ट्रांसफर सेवा की एक स्थिति अब भारत में डाकघरों के माध्यम से उपलब्ध है, जो कि भारत के आसपास ____________ देशों और क्षेत्रों से पैसों का तात्कालिक प्रेषण सक्षम बनाती है.
(a) 195 देशों
(b) 415 देशों
(c) 115 देशों
(d) 135 देशों
(e) 295 देशों
Solutions
S1. Ans.(d)
Sol. SARFAESI Act (The Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002) was enacted to regulate securitization and reconstruction of financial assets and enforcement of security interest created in respect of Financial Assets to enable realization of such assets. The SARFAESI Act provides for the manner for enforcement of security interests by a secured creditor without the intervention of a court or tribunal. If any borrower fails to discharge his liability in repayment of any secured debt within 60 days of notice from the date of notice by the secured creditor, the secured creditor is conferred with powers under the SARFAESI Act.
S2. Ans.(b)
Sol. In money market, the amount that is lent for one day is known as “call money” and, if it exceeds one day or two days to 14 days is referred to as “notice money.”
S3. Ans.(c)
Sol. Asset Reconstruction Company (ARC) also known as Securitization company in India helps to unlock the value of non-performing assets (NPA) in banks through Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002.ARC is regulated by RBI as a Non Banking Financial Company (NBFC).
S4. Ans.(d)
Sol. Call money market is a market for uncollateralized lending and borrowing of funds. This market is predominantly overnight and is open for participation only to scheduled commercial banks and the primary dealers.
S5. Ans.(d)
Sol. The Fixed Income Money Market and Derivatives Association of India (FIMMDA), an association of Scheduled Commercial Banks, Public Financial Institutions, Primary Dealers and Insurance Companies was incorporated as a Company under section 25 of the Companies Act,1956 on June 3rd, 1998. FIMMDA is a voluntary market body for the bond, money and derivatives markets. FIMMDA has members representing all major institutional segments of the market. The membership includes Nationalized Banks such as State Bank of India, its associate banks and other nationalized banks; Private sector banks such as ICICI Bank, HDFC Bank, IDBI Bank; Foreign Banks such as Bank of America, ABN Amro, Citibank, Financial institutions such as IDFC, EXIM Bank, NABARD, Insurance Companies like Life Insurance Corporation of India (LIC), ICICI Prudential Life Insurance Company, Birla Sun Life Insurance Company and all Primary Dealers.
S6. Ans.(d)
Sol. The Department of Posts comes under the Ministry of Communications and Information Technology. The Postal Service Board, the apex management body of the Department, comprises the Chairman and six Members. The six members of the Board hold portfolios of Personnel, Operations, Technology, Postal Life Insurance, Human Resources Development, Planning respectively.
S7. Ans.(a)
Sol. The Postal Service Board, the apex management body of the Department of Posts, comprises the Chairman and six Members.
S8. Ans.(e)
Sol. The Postal Service Board, the apex management body of the Department, comprises the Chairman and six Members. The six members of the Board hold portfolios of Personnel, Operations, Technology, Postal Life Insurance, Human Resources Development, Planning respectively.
S9. Ans.(c)
Sol. For providing postal services, the whole country has been divided into 23 postal circles. Each Circle is co-terminus? with a State except for Gujarat Circle (which also administers the Union Territories of Daman & Diu and Dadra & Nagar Haveli), Kerala Circle (which includes the Union Territory of Lakshadweep)?, Maharashtra Circle (which has within its jurisdiction the State of Goa), North East Circle (which comprises six North Eastern States - Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland & Tripura), Punjab Circle (which has within its administrative jurisdiction, the Union Territory of Chandigarh), and Tamil Nadu Circle (which also administers the Union Territory of Pondicherry). Each of these Circles is headed by a Pr. Chief Postmaster General or Chief Postmaster General. Each Circle is further divided into Regions comprising field units, called Divisions (Postal / RMS Divisions). Each Region is headed by a Postmaster General. In the Circles and Regions there are other functional units like Circle Stamp Depots, Postal Stores Depots and Mail Motor Service etc. Besides these 23 Circles, there is another Circle, called Base Circle, to cater to the postal communication needs of the Armed Forces. The Base Circle is headed by an Additional Director General, Army Postal Service in the rank of a Major General. The officer cadre of the Army Postal Service comprises officers on deputation from the Civil Posts. Seventy five percent of the other ranks of the Army Postal Service are also drawn from the Department of Posts and the remaining personnel are recruited by the Army.
S10. Ans.(b)
Sol. Shri Ananta Narayan Nanda is present Secretary, Department of Posts & Chairperson of Postal Services Board and Director General Postal Services.
S11. Ans.(d)
Sol. International Financial System (IFS) is software developed by UPU to coordinate international remittance services among the partner countries. At present the service is operational with La Poste Group, France and UAE.?
S12. Ans.(e)
Sol. IFS Money Order service is India Post’s own service. The remittances received under this service are being paid through our eMO service. The features of IFS Money Order service is given below.
• Remittances can be received at any of the 17,500 post offices on eMO network.
• The Payee receives the full amount in Indian Rupees.
• Remittances up to INR 50,000 can be received in cash.
• Amount exceeding INR 50,000 to be paid through Cheque subject to a maximum limit of USD 2500.
• Maximum of 30 transactions per person per year.
• Beneficiary has to furnish Unique MO Number (9 digits in case of UAE and 26 digits in case of France) along with valid identification documents like Voter ID Card, Driving License, PAN Card, Ration Card, Aadhar Card, Passport etc. A copy of such document has to be handed over to Post Office staff for their record (KYC Documents).
• Same day payment for remittances booked before cut-off time.
• Payments subject to RBI Guidelines from time to time.
• Payment can be collected from identified Post offices.
S13. Ans.(b)
Sol. DOP Mobile Money Transfer (MMT) is a service that enables instant money tra?nsfer from one place to another place using mobile, through Indian post offices. The consumer just needs to have a mobile while the actual transmission of the money is initiated by the Postal Assistant, using his/her special handset. The process for money transfer is very simple to understand and follow. This service will be a boon for those sections of our society who regularly remit money to their homes at faraway places and who have no access to any other financial instrument like bank account etc. except mobile phones.
S14. Ans.(c)
Sol. Money Transfer Service Scheme is a quick and easy way of transferring personal remittances from abroad to beneficiaries in India. Only inward personal remittances into India such as remittances towards family maintenance and remittances favoring foreign tourists visiting India are permissible. No outward remittance from India is permissible under MTSS.
S15. Ans.(a)
Sol. Money Transfer Service Scheme is a quick and easy way of transferring personal remittances from abroad to beneficiaries in India. Only inward personal remittances into India such as remittances towards family maintenance and remittances favoring foreign tourists visiting India are permissible. No outward remittance from India is permissible under MTSS. As a result of the collaboration of the Department of Posts, Government of India with the Western Union Financial Services, a state of the art International Money transfer Service is now available through the Post Offices in India, which enables instantaneous remittance of money from around 195 countries and territories to India. The recipients can in fact collect the money in minutes after the sender has made the remittance.
