1. The Housing Loans also come under Priority Sector Lending (PSL). Why the housing also include in the Priority sector lending?
1) it boosts cement industry
2) it boosts electronics and electrical industry.
3) it provides employment to unorganized labour.
4) it is one of the basic needs of human being.
5) All of the above are the reasons to include housing loan under PSL
2. The housing loans consist of....
1) for the construction of a house.
2) repair (maintenance) and / or renewal of a house.
3) clearance of slums and rehabilitation of disaster-stricken masses to temporary refuge shelters
4) 1 & 2 only
5) All of above
3. On 23 April 2015, RBI revamps priority sector lending norms in the case of home loans. As per these norms loans of up to Rs.28 lakh to individuals in metropolitan centres willqualify as Priority Sector Lending, provided the overall cost of the dwelling unit is....
1) Rs.50 lakh
2) Rs.30 lakh
3) Rs.55 lakh
4) Rs.45 lakh
5) Rs.35 lakh
4. Employees' Provident Fund Organization (EPFO) and insurance firms will deploy ...... of their corpus towards home loans of up to Rs.25 lakh for low-cost housing.
1) 7%
2) 10%
3) 18%
4) 20%
5) 15%
5. India's largest mortgage lender is ...
1) SBI
2) Axis Bank
3) Corporation Bank
4) HDFC
5) ICICI
6. On 1 June 2015, 'Her Ghar Her Car' scheme launched by which bank, having an objective of reaching out to women in the country and empowering them to take decisions that can change the course of their family and society at large?
1) RBI
2) SBH
3) NHB
4) IDBI
5) SBI
7. HUDCO (Housing & Urban Development Corporation Limited) was established as a premier techno-financing company set up in 1970 by the Government of India to accelerate the pace of housing and urban development in the country. HUDCO has corporate office located at .....
1) Mumbai
2) Chennai
3) New Delhi
4) Calcutta
5) Hyderabad
8. Present Chairman of HUDCO is ....
1) Dr.M. Ravikanth
2) Mohammad Mustafa
3) M. S. Raghavan
4) Harsh Kumar Bhanwala
5) Kshatrapati Shivaji
9. EWS rural housing scheme for the land owning category Village abadi scheme including repairs offered by HUDCO. EWS stands for?
1) Educationally Weaker Sections
2) Economically Women Sections
3) Empowerment Weaker Sections
4) Entertainment Weaker Sections
5) Economically Weaker Sections
10. HUDCO has been striving to make 'Housing for All' a reality. It initiated RTO scheme to see that even a common man should have a house. What is the expansion of RTO?
1) Right To Own
2) Ring To Own
3) Rent To Own
4) Rough To Own
5) None of above
11. Union Minister for Urban Development, Housing and Urban Poverty Alleviation and Parliamentary Affairs is .......
1) M. Venkaiah Naidu
2) Thaawar Chand Gehlot
3) Jual Oram
4) Chaudhary Birender Singh
5) Narendra Singh Toma
12. Loan given for undertaking repairs, renovations and / or up gradation is called .....
1) Home Damage Loan
2) Home Improvement Loan
3) Home Custody Loan
4) Home Consumption Loan
5) All of above
13. Important statements of Bridge Loan in Home Loan given. Pick the wrong statement.
1) Bridge Loan also available in Home Loans.
2) It is designed for people who wish to sell the existing home and purchase another.
3) It helps finance the new home, until a buyer is found for the old home.
4) It is not available in Metro cities.
5) None
14. Balance Transfer Loan is the familiar term used in Bank Loans. How it helps the home loan buyer?
1) It transfer the loan of one person to another person by making personal contract.
2) This loan helps to clear an existing home loan by availing a new loan from another lender.
3) It helps the borrower to transfer his loan to his neighbours.
4) It transfers the loan from one bank to RBI. The customer pays rate of interest to RBI.
5) None
15. National Housing Bank (NHB) was set up on 9th July .......
1) 2005
2) 1994
3) 1991
4) 1988
5) 2000
16. For tracking prices of residential properties in India, who launched the index by name 'RESIDEX'?
1) NHB
2) NABARD
3) RBI
4) Syndicate Bank
5) None
17. On 2 March 2015, RBI included which filed loans as part of Priority Sector Lending?
1) sanitation
2) health care
3) drinking water
4) renewable energy
5) All of above
18. On 25 February 2015, RBI said ....... given to account holders under Jan Dhan Yozana come under Priority sector holding.
1) zero balance facility
2) free online facility
3) free passbook facility
4) free SMS facility
5) overdraft facility
19. RBI on 5 March 2015 eased the norms for home loans for up to ........ by allowing banks to include stamp duty and registration charges to the cost of a unit?
1) Rs.15 lakh
2) Rs.5 lakh
3) Rs.10 lakh
4) Rs.20 lakh
5) None
20. Full form of NECS ........
1) National Electronic Clearing Service
2) National Electrical Clearing Service
3) National Electronic Close Service
4) Ninth Electronic Clearing Service
5) None
21. AEBAS stands for..?
1) Aadhaar Enabled Biometric Attendance System
2) Attendance Enabled Biometric Apply System
3) Aadhaar Enabled Biometric Accuracy System
4) Aadhaar End Biometric Attendance System
5) None
22. Pick the wrong abbreviation used in Banking and Financial Sectors.
1) ADR - American Donation Receipts
2) CCIL - Clearing Corporation of India Ltd
3) CRISIL - Credit Rating Information Services of India Ltd
4) CBLO - Collateralized Borrowing and Lending Obligation
5) CPI - Consumer Price Index
23. First state implemented ABPS [Aadhaar Based Payment System] in country on 30 May 2015?
1) Himachal Pradesh
2) Haryana
3) Jammu and Kashmir
4) Odisha
5) Bihar
24. On 28 May 2015, a Mega Food Park was inaugurated at Nalbari in .......
1) Meghalaya
2) Manipur
3) Arunachal Pradesh
4) AP
5) Assam
25. 4th North East Youth Festival has celebrated in ......
1) Manipur
2) Meghalaya
3) Arunachal Pradesh
4) Assam
5) Tripura
26. On 22 May 2015, which state issued an ordinance for formation of a Commission for Forward Communities?
1) AP
2) Telangana
3) MP
4) Delhi
5) Kerala
27. On 28 May 2015, who was appointed as DRDO chief?
1) Arup Raha
2) Ajith Doval
3) Dalbir Singh Suhag
4) R.K. Dhowan
5) S. Christopher
28. Who was appointed as the scientific advisor to defence minister on 28 May 2015?
1) Manohar Parikar
2) Rao Inderjit Singh
3) G. Sateesh Reddy
4) Ajith Doval
5) Pranab Mukharjee
29. 68th Session of the World Health Assembly (WHA) at ..... between 18-27 May 2015.
1) Geneva
2) Rome
3) New York
4) Canberra
5) London
30. Which nation assumed the presidency of the 68th World Health Assembly (WHA)?
1) Canada
2) Thailand
3) India
4) China
5) South Africa
31. Union Minister of Health & Family Welfare is ........
1) Jagat Prakash Nadda
2) Harshavardhan
3) Maneka Gandhi
4) Rajnath Singh
5) Arun Jaitley
32. Who is the chief security advisor to PM?
1) S.Rama dorai
2) C.N.R.Rao
3) Ajith Doval
4) Aravind Subramaniam
5) None
33. Alok Kumar and Jitendra Kumar are appointed as the two advisors of ......
1) Niti Aayog
2) FM
3) Ministry of Defence
4) RBI
5) CBDT
34. On 1 June 2015, the Government has proposed to soon open 1000 more stores under the 'Jan Aushadhi Scheme'. The aim of the scheme is .......
1) to provide water to agriculture land
2) to provide skill training to rural youth
3) to provide pension to workers in unorganized sector
4) to provide life insurance to all at the nominal premium
5) to make available quality generic medicines at affordable prices through these special outlets
35. Prime Minister Narendra Modi has inaugurated the upgraded steel plant of IISCO (Indian Iron & Steel Company) that has the country’s largest blast furnace on 10 May 2015 at ........... in West Bengal?
1) Burnapur
2) Durgapur
3) Roorkela
4) Bhilai
5) Bokoro
36. National Green Tribunal (NGT) imposed a penalty of nearly Rs.140 crore on two builders constructing a Special Economic Zone (SEZ) on Bellandur wetlands. Where is the Bellandur wetlands?
1) Maharashtra
2) Kerala
3) Tripura
4) Karnataka
5) Tamil nadu
37. Lakes list given. Locate the wrong option.
1) Kolleru Lake - AP
2) Dal Lake - Haryana
3) Ulsoor or Halasuru - Karnataka
4) Ashtamudi Lake - Kerala
5) Sambhar Salt Lake - Rajasthan
38. In which Navy exercise, the two Indian naval ships, INS Satpura and INS Kamorta, have participated in the bilateral naval exercise with the Singapore Navy
1) GARUDA
2) INDRA
3) SURYA KIRAN
4) SIMBEX
5) MAITHRI
39. Union government on 15 May 2015 launched ....... . Award Scheme. The scheme is intended to encourage and incentivize Public Health Facilities (PHFs) in the country for maintaining the facilities clean and hygienic.
1) Kayakalp
2) Pravesthi
3) Shubratha
4) Manovikas
5) Parisuddh
40. On 31 May 2015, Deepika Kumari won bronze in Archery World Cup. The event held at Antalya in .......
1) USA
2) Saudi
3) India
4) Afghanistan
5) Turkey
ANSWERS:
1-5, 2-5, 3-5, 4-5, 5-4, 6-5, 7-3, 8-1, 9-5, 10-3
11-1, 12-2, 13-4, 14-2, 15-4, 16-1, 17-5, 18-5, 19-3, 20-1
21-1, 22-1, 23-1, 24-5, 25-4, 26-5, 27-5, 28-3, 29-1, 30-3
31-1, 32-3, 33-1, 34-5, 35-1, 36-4, 37-2, 38-4, 39-1, 40-5.
1) it boosts cement industry
2) it boosts electronics and electrical industry.
3) it provides employment to unorganized labour.
4) it is one of the basic needs of human being.
5) All of the above are the reasons to include housing loan under PSL
2. The housing loans consist of....
1) for the construction of a house.
2) repair (maintenance) and / or renewal of a house.
3) clearance of slums and rehabilitation of disaster-stricken masses to temporary refuge shelters
4) 1 & 2 only
5) All of above
3. On 23 April 2015, RBI revamps priority sector lending norms in the case of home loans. As per these norms loans of up to Rs.28 lakh to individuals in metropolitan centres willqualify as Priority Sector Lending, provided the overall cost of the dwelling unit is....
1) Rs.50 lakh
2) Rs.30 lakh
3) Rs.55 lakh
4) Rs.45 lakh
5) Rs.35 lakh
4. Employees' Provident Fund Organization (EPFO) and insurance firms will deploy ...... of their corpus towards home loans of up to Rs.25 lakh for low-cost housing.
1) 7%
2) 10%
3) 18%
4) 20%
5) 15%
5. India's largest mortgage lender is ...
1) SBI
2) Axis Bank
3) Corporation Bank
4) HDFC
5) ICICI
6. On 1 June 2015, 'Her Ghar Her Car' scheme launched by which bank, having an objective of reaching out to women in the country and empowering them to take decisions that can change the course of their family and society at large?
1) RBI
2) SBH
3) NHB
4) IDBI
5) SBI
7. HUDCO (Housing & Urban Development Corporation Limited) was established as a premier techno-financing company set up in 1970 by the Government of India to accelerate the pace of housing and urban development in the country. HUDCO has corporate office located at .....
1) Mumbai
2) Chennai
3) New Delhi
4) Calcutta
5) Hyderabad
8. Present Chairman of HUDCO is ....
1) Dr.M. Ravikanth
2) Mohammad Mustafa
3) M. S. Raghavan
4) Harsh Kumar Bhanwala
5) Kshatrapati Shivaji
9. EWS rural housing scheme for the land owning category Village abadi scheme including repairs offered by HUDCO. EWS stands for?
1) Educationally Weaker Sections
2) Economically Women Sections
3) Empowerment Weaker Sections
4) Entertainment Weaker Sections
5) Economically Weaker Sections
10. HUDCO has been striving to make 'Housing for All' a reality. It initiated RTO scheme to see that even a common man should have a house. What is the expansion of RTO?
1) Right To Own
2) Ring To Own
3) Rent To Own
4) Rough To Own
5) None of above
11. Union Minister for Urban Development, Housing and Urban Poverty Alleviation and Parliamentary Affairs is .......
1) M. Venkaiah Naidu
2) Thaawar Chand Gehlot
3) Jual Oram
4) Chaudhary Birender Singh
5) Narendra Singh Toma
12. Loan given for undertaking repairs, renovations and / or up gradation is called .....
1) Home Damage Loan
2) Home Improvement Loan
3) Home Custody Loan
4) Home Consumption Loan
5) All of above
13. Important statements of Bridge Loan in Home Loan given. Pick the wrong statement.
1) Bridge Loan also available in Home Loans.
2) It is designed for people who wish to sell the existing home and purchase another.
3) It helps finance the new home, until a buyer is found for the old home.
4) It is not available in Metro cities.
5) None
14. Balance Transfer Loan is the familiar term used in Bank Loans. How it helps the home loan buyer?
1) It transfer the loan of one person to another person by making personal contract.
2) This loan helps to clear an existing home loan by availing a new loan from another lender.
3) It helps the borrower to transfer his loan to his neighbours.
4) It transfers the loan from one bank to RBI. The customer pays rate of interest to RBI.
5) None
15. National Housing Bank (NHB) was set up on 9th July .......
1) 2005
2) 1994
3) 1991
4) 1988
5) 2000
16. For tracking prices of residential properties in India, who launched the index by name 'RESIDEX'?
1) NHB
2) NABARD
3) RBI
4) Syndicate Bank
5) None
17. On 2 March 2015, RBI included which filed loans as part of Priority Sector Lending?
1) sanitation
2) health care
3) drinking water
4) renewable energy
5) All of above
18. On 25 February 2015, RBI said ....... given to account holders under Jan Dhan Yozana come under Priority sector holding.
1) zero balance facility
2) free online facility
3) free passbook facility
4) free SMS facility
5) overdraft facility
19. RBI on 5 March 2015 eased the norms for home loans for up to ........ by allowing banks to include stamp duty and registration charges to the cost of a unit?
1) Rs.15 lakh
2) Rs.5 lakh
3) Rs.10 lakh
4) Rs.20 lakh
5) None
20. Full form of NECS ........
1) National Electronic Clearing Service
2) National Electrical Clearing Service
3) National Electronic Close Service
4) Ninth Electronic Clearing Service
5) None
21. AEBAS stands for..?
1) Aadhaar Enabled Biometric Attendance System
2) Attendance Enabled Biometric Apply System
3) Aadhaar Enabled Biometric Accuracy System
4) Aadhaar End Biometric Attendance System
5) None
22. Pick the wrong abbreviation used in Banking and Financial Sectors.
1) ADR - American Donation Receipts
2) CCIL - Clearing Corporation of India Ltd
3) CRISIL - Credit Rating Information Services of India Ltd
4) CBLO - Collateralized Borrowing and Lending Obligation
5) CPI - Consumer Price Index
23. First state implemented ABPS [Aadhaar Based Payment System] in country on 30 May 2015?
1) Himachal Pradesh
2) Haryana
3) Jammu and Kashmir
4) Odisha
5) Bihar
24. On 28 May 2015, a Mega Food Park was inaugurated at Nalbari in .......
1) Meghalaya
2) Manipur
3) Arunachal Pradesh
4) AP
5) Assam
25. 4th North East Youth Festival has celebrated in ......
1) Manipur
2) Meghalaya
3) Arunachal Pradesh
4) Assam
5) Tripura
26. On 22 May 2015, which state issued an ordinance for formation of a Commission for Forward Communities?
1) AP
2) Telangana
3) MP
4) Delhi
5) Kerala
27. On 28 May 2015, who was appointed as DRDO chief?
1) Arup Raha
2) Ajith Doval
3) Dalbir Singh Suhag
4) R.K. Dhowan
5) S. Christopher
28. Who was appointed as the scientific advisor to defence minister on 28 May 2015?
1) Manohar Parikar
2) Rao Inderjit Singh
3) G. Sateesh Reddy
4) Ajith Doval
5) Pranab Mukharjee
29. 68th Session of the World Health Assembly (WHA) at ..... between 18-27 May 2015.
1) Geneva
2) Rome
3) New York
4) Canberra
5) London
30. Which nation assumed the presidency of the 68th World Health Assembly (WHA)?
1) Canada
2) Thailand
3) India
4) China
5) South Africa
31. Union Minister of Health & Family Welfare is ........
1) Jagat Prakash Nadda
2) Harshavardhan
3) Maneka Gandhi
4) Rajnath Singh
5) Arun Jaitley
32. Who is the chief security advisor to PM?
1) S.Rama dorai
2) C.N.R.Rao
3) Ajith Doval
4) Aravind Subramaniam
5) None
33. Alok Kumar and Jitendra Kumar are appointed as the two advisors of ......
1) Niti Aayog
2) FM
3) Ministry of Defence
4) RBI
5) CBDT
34. On 1 June 2015, the Government has proposed to soon open 1000 more stores under the 'Jan Aushadhi Scheme'. The aim of the scheme is .......
1) to provide water to agriculture land
2) to provide skill training to rural youth
3) to provide pension to workers in unorganized sector
4) to provide life insurance to all at the nominal premium
5) to make available quality generic medicines at affordable prices through these special outlets
35. Prime Minister Narendra Modi has inaugurated the upgraded steel plant of IISCO (Indian Iron & Steel Company) that has the country’s largest blast furnace on 10 May 2015 at ........... in West Bengal?
1) Burnapur
2) Durgapur
3) Roorkela
4) Bhilai
5) Bokoro
36. National Green Tribunal (NGT) imposed a penalty of nearly Rs.140 crore on two builders constructing a Special Economic Zone (SEZ) on Bellandur wetlands. Where is the Bellandur wetlands?
1) Maharashtra
2) Kerala
3) Tripura
4) Karnataka
5) Tamil nadu
37. Lakes list given. Locate the wrong option.
1) Kolleru Lake - AP
2) Dal Lake - Haryana
3) Ulsoor or Halasuru - Karnataka
4) Ashtamudi Lake - Kerala
5) Sambhar Salt Lake - Rajasthan
38. In which Navy exercise, the two Indian naval ships, INS Satpura and INS Kamorta, have participated in the bilateral naval exercise with the Singapore Navy
1) GARUDA
2) INDRA
3) SURYA KIRAN
4) SIMBEX
5) MAITHRI
39. Union government on 15 May 2015 launched ....... . Award Scheme. The scheme is intended to encourage and incentivize Public Health Facilities (PHFs) in the country for maintaining the facilities clean and hygienic.
1) Kayakalp
2) Pravesthi
3) Shubratha
4) Manovikas
5) Parisuddh
40. On 31 May 2015, Deepika Kumari won bronze in Archery World Cup. The event held at Antalya in .......
1) USA
2) Saudi
3) India
4) Afghanistan
5) Turkey
ANSWERS:
1-5, 2-5, 3-5, 4-5, 5-4, 6-5, 7-3, 8-1, 9-5, 10-3
11-1, 12-2, 13-4, 14-2, 15-4, 16-1, 17-5, 18-5, 19-3, 20-1
21-1, 22-1, 23-1, 24-5, 25-4, 26-5, 27-5, 28-3, 29-1, 30-3
31-1, 32-3, 33-1, 34-5, 35-1, 36-4, 37-2, 38-4, 39-1, 40-5.
