Top Scheme And Programme Launched By Narendra Modi Government

SN	Govt Scheme	Details
1	Make in India	It was Launched on 25th September 2014 To make India a manufacturing hub. Make in India is an initiative of the Government of India to encourage multinational, as well as domestic, companies to manufacture their products in India. The major objective behind the initiative is to focus on job creation and skill enhancement in twenty-five sectors of the economy
2	Digital India	Launched on 1st July 2015 To transform India’s economy Digital India has three core components. These include: The creation of digital infrastructure Delivering services digitally Digital literacy
3	Skill India	Launched on 15th July 2015) To create jobs for youth of the Country Skill Development in Youth Making Skill available to All Youth of India
4	Smart Cities	Launched on 29th April 2015 In first Government of india Will Develop 100 Smart cities in India Under this Scheme Cities from all States Are Selected
5	Unearthen Black Money	Bill Passed on 14th May 2015 Disclosing Black Money Punishment for The Black Money holders
6	Namami Gange	Namami Gange Project or Namami Ganga Yojana is an ambitious Union Government Project which integrates the efforts to clean and protect the Ganga river in a comprehensive manner. It its maiden budget, the government announced Rs. 2037 Crore towards this mission. The project is officially known as Integrated Ganga Conservation Mission project or ‘Namami Ganga Yojana’. This project aims at Ganga Rejuvenation by combining the existing ongoing efforts and planning under it to create a concrete action plan for future.
7	Swachh Bharat Abhiyan	Launched on 2nd October 2014) To have clean India by 2nd October 2019 Eliminate open defecation by constructing toilets for households, communities Eradicate manual scavenging Introduce modern and scientific municipal solid waste management practices Enable private sector participation in the sanitation sector Change people’s attitudes to sanitation and create awareness
8	Swadesh Darshan	Integrated Development of Theme Based Buddhist tourist circuit
9	Sukanya Samridhi Account	Launched on 22nd January 2015 The scheme was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign. The scheme currently provides an interest rate of 9.2% and tax benefits. The account can be opened at any India Post office or a branch of some authorised commercial banks
10	Bal swachh mission	Launched on 14th November 2014) Awareness about the cleanliness of the children
11	Pradhan Mantri Jan Dhan Yojana	Launched on 28th August 2014 ) To give financial services to weaker section of society.
12	Pradhan Mantri Suraksha Bima Yojana	Launched on 9th May 2015 Eligibility: Available to people in age group 18 to 70 years with bank account. Premium:  Rs.12 per annum. Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available. Risk Coverage:  For accidental death and full disability – Rs.2 Lakh and for partial disability – Rs.1 Lakh. Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme.  Name of nominee to be given in the form.
13	Beti Bachao Beti Padhao Yojana	(Launched on 22nd January 2015)-To generate awareness of welfare service meants for girl child and women.
14	Atal Pension Scheme	(Launched on 9th May 2015)-for unorganised sector ‘s workers
15	HRIDAY (National Heritage City Development and Augmentation Yojana) scheme	(Launched on 21st January 2015)-To develop heritage cities.
16	Pradhan Mantri Jeevan Jyoti Bima Yojana	(Launched on 9th May 2015)-Life insurance scheme by Government
17	MUDRA Bank Yojana	(Launched on 8th April 2015) to provide up to 10 lakh to small entrepreneur.
18	Krishi Amani Bima Yojana	Scheme for farmer
19	Pradhan Mantri Gram Sinchai Yojana	To provide water to all field in the Country.
20	Pradhan Mantri Sansad Adarsh Gram Yojana	(Launched on 11th October 2014)-Each MP to develop three villages by 2019.
21	Deen Dayal Upadhyaya Grameen Kaushalya Yojana	(Launched on 25th September 2014)- To provide employmentto youth residing in rural area.
22	Deendayal Upadhyaya Gram Jyoti Yojana	To provide power(electricity) to rural area of the country.
23	Mahatma Gandhi Pravasi Suraksha Yojana	Mahatma Gandhi Pravasi Suraksha Yojana is a special social security scheme which includes Pension and Life Insurance, introduced by Ministry of Overseas Indian Affairs for the overseas Indian workers in possession of Emigration Check Required (ECR) passports. It is a voluntary scheme designed to help workers to meet their three financial needs: saving for retirement, saving for their return and resettlement, and providing free life insurance offering coverage for death from natural causes.
24	Indradanush Scheme	(Launched on 25th December 2014)
25	Soil Health Card Scheme	Soil Health Card Scheme is a scheme launched by the Government of India in February 2015. Under the scheme, the government plans to issue soil cards to farmers which will carry crop-wise recommendations of nutrients and fertilisers required for the individual farms to help farmers to improve productivity through judicious use of inputs. All soil samples are to be tested in various soil testing labs across the country. Thereafter the experts will analyse the strength and weaknesses (micro-nutrients deficiency) of the soil and suggest measures to deal with it. The result and suggestion will be displayed in the cards. The government plans to issue the cards to 14 crore farmers
26	Rani Laxmi Bai Pension scheme	For victims of Muzazafar nagar riot.
27	Udaan Scheme	To provide skill to youth of India.
28	Shyama Prasad Mukherji Rurban Mission	The Mission aims at development of rural growth clusters which have latent potential for growth, in all States and UTs, which would trigger overall development in the region. These clusters would be developed by provisioning of economic activities, developing skills & local entrepreneurship and providing infrastructure amenities. The Rurban Mission will thus develop a cluster of Smart Villages.
29	Pandit Deendayal Upadhyay Shramev Jayate Karyakram	(Launched on 16th October 2014)
30	Kisan Vikas Patra	(Relaunched in 2014) – Saving certificate Scheme
31	AMRUT	Atal Mission for Rejuvenation and Urban Development (earlier name JNNURM)
32	PRASAD	Pilgrimage Rejuvenation and Spiritual Augmentation-To improve the infrastructure at pilgrimage places.
33	Pradhan Mantri Fasal Bima Yojana	The Union Cabinet has approved Pradhan Mantri Fasal Bima Yojana It is a new crop insurance scheme to boost farming sector in the country. It is farmers’ welfare scheme The Scheme aims to reduce the premium burden on farmers and ensure early settlement of crop Insurance claim for the full insured sum.We Will cover this Scheme In details in Separate Article

List of 61st Filmfare Awards 2016

The Filmfare Awards were held on January 15, 2016 at Sardar Vallabhbhai Patel Stadium in Mumbai. Sanjay Leela Bhansali's Bajirao Mastani and Shoojit Sircar's 'Piku' were the big winners.

Here is the complete list of winners from 61st Filmfare Awards 2015 —

Best Film - Bajirao Mastani
Best Director - Sanjay Leela Bhansali for Bajirao Mastani
Best Actor in a Leading Role (Male) - Ranveer Singh for Bajirao Mastani
Best Actor in a Leading Role (Female) - Deepika Padukone for Piku
Best Actor in a Supporting Role (Male) - Anil Kapoor for Dil Dhadakne Do
Best Actor in a Supporting Role (Female) - Priyanka Chopra for Bajirao Mastani
Best Music - Ankit Tiwari, Meet Bros. Anjjan and Amaal Mallik for Roy
Best Lyrics - Irshad Kamil for Agar tum saath ho (Tamasha)
Best Playback Singer (Male) - Arijit Singh for Sooraj dooba (Roy)
Best Playback Singer (Female) - Shreya Ghoshal for Deewani mastani (Bajirao Mastani)
Critics Choice Best Film - Piku
Critics Choice Best Actor (Male) - Amitabh Bachchan for Piku
Critics Choice Best Actor (Female) - Kangana Ranaut for Tanu Weds Manu Returns
Lifetime Achievement Award - Moushumi Chatterjee
RD Burman Award - Armaan Mallik
Best Debut Director - Neeraj Ghaywan for Masaan
Best Debut (Female) - Bhumi Pednekar for Dum Laga Ke Haisha
Best Debut (Male) - Sooraj Pancholi for Hero
Best Action - Sham Kaushal for Bajirao Mastani
Best Background Score - Anupam Roy for Piku
Best Choreography - Pt Birju Maharaj for Mohe rang do laal (Bajirao Mastani)
Best Cinematography - Manu Anand for Dum Laga Ke Haisha
Best Costume - Anju Modi and Maxima Basu for Bajirao Mastani
Best Dialogue - Himanshu Sharma for Tanu Weds Manu Returns
Best Editing - A Sreekar Prasad for Talvar
Best Production Design - Sujeet Sawant, Sriram Iyengar and Saloni Dhatrak for Bajirao Mastani
Best Screenplay - Juhi Chaturvedi for Piku
Best Sound Design - Shajith Koyeri for Talvar
Best Story  - Vijayendra Prasad for Bajrangi Bhaijaan
Best VFX - Prana Studio for Bombay Velvet

Andhra Bank PO Exam General Awareness Solved Questions (Exam Held on: 27.12.15 Evening Shift)

1. Smart vault launched by which bank - ICICI Bank

2. SpeedPay app - BSNL

3. IMF full form - International Monetary Fund

4 World Economic Forum (WEF) Headquarters- Cologny, Switzerland

5. Chairman of the Indian Space Research Organisation - A. S. Kiran Kumar

6. RBI Headquarters - Mumbai

7. Full form of DICGC? - Deposit Insurance and Credit Guarantee Corporation

8. Current Cash Reserve Ratio (CRR)? - 4%

9. World AIDS Day is held on - 1st December 

10. The tenure of the deposit will be minimum under Gold Monetization Scheme. - 1 year 

11. What is the full form of BCSBI? - The Banking Codes and Standards Board of India

12. What is the currency of Germany? - Euro

13. What is the full form of FATCA? - Foreign Account Tax Compliance Act 

14. Sukanya Samriddhi Accounts can be opened up to age of - 10 years

United India Insurance Company Administrative Officers (Mains) Exam General Awareness Solved Paper (Exam Held on 3-1-2015)

1. Subarna Rekha Multipurpose Project (SMP) was started with a purpose to reduce losses due to flood in 1962 and for the distribution of land among the affected people. The states included in the project are– 
(A) Bihar, Odisha and West Bengal (B) Odisha, Uttarakhand and West Bengal (C) Odisha, Madhya Pradesh and West Bengal 
(D) Odisha, Jharkhand and West Bengal (E) Bihar, Jharkhand and West Bengal (Ans : D)

2. The Caparo group has won the International Business of the Year Award 2014 at the Asian Business Award Midlands in Birmingham. The group is founded by leading NRI industrialist– 
(A) S. P. Singh Oberoi (B) Srichand Hinduja (C) Gopichand Hinduja (D) Lord Swraj Paul (E) Lakshmi Mittal (Ans : D)

3. Which of the following is a part of the core sector? 
(A) Textiles (B) Chemicals (C) Real Estate (D) Machine manufacturing (E) Food Processing (Ans : D)

4. National Institute of Bank Management is the Institution meant for– 
(A) All those given as options (B) providing management personnel to the Banks (C) training of bank employees in Banking 
(D) providing consultancies on best practices in bank management (E) recruitment of Bank employees at all levels (Ans : D)

5. Recently India has decided to introduce plastic currency notes. A number of other countries are 'already' using plastic notes, but the pioneer in this field is– 
(A) Sweden (B) England (C) France (D) United States of America (E) Australia (Ans : E)

6. Which airlines was recently joined by the Tata group? 
(A) Pan Am (B) Lufthansa (C) Emirates Airline (D) Air Asia (E) Air France (Ans : D)

7. As per the rankings released by the UNCTAD in its World Investment Report 2014 in respect of most favoured destinations for investment by transnational corporations, India stands at the– 
(A) Fifth position (B) Third position (C) Seventh position (D) Fourth position (E) Sixth position (Ans : D)

8. Telangana has recently became the 29th state of India. Which of the following statements regarding the state is 'not' true? 
(A) It shares boundaries with Andhra Pradesh and Maharashtra (B) It is the 12th largest state of the country in terms of population 
(C) It is the first state to be carved out on a linguistic basis (D) It is the 12th largest state of the country in terms of area 
(E) It has 119 seats in the assembly and 40 seats in the council (Ans : C)

9. Which of the following device is developed by DRDO and is a light weight, multi role, single engine tactical fighter aircraft? 
(A) Prithvi (B) Prahar (C) Akash (D) Brahmos (E) Tejas (Ans : E)

10. Which of the following is a sovereign instrument with a fixed coupon (payable on a specified date or half yearly), issued by Reserve Bank for market borrowing programme of the Government of India ? 
(A) Fixed Deposits (B) Dated Government Securities (C) Debentures (D) Bonds (E) Equity shares of PSBs (Ans : B)

11. As per a notification recently published in the gazette by the Union Water Resources Ministry, the new chairman of the Cauvery Water Disputes Tribunal is– 
(A) Justice B. Rajendran (B) Justice B. S. Chauhan (C) Justice B. R. Sarangi 
(D) Justice B. N. Kripal (E) Justice B. N. Srikrishna (Ans : B)

12. The Minister for 'Health and Family Welfare' in the Union Cabinet is– 
(A) Shrimati Maneka Gandhi (B) Ms. Uma Bharati (C) Shrimati Sushma Swaraj 
(D) Jagat Prakash Nadda (E) Dr. Najma Heptulla (Ans : D)

13. A bond issued at a price less than its face value and payable on its due date at its face value bearing no ROI (Rate of Interest) is called–
(A) Preference Bond (B) Zero Coupon Bond (C) Convertible Bond (D) Perpetual Band (E) Sovereign Bond (Ans : B)

14. Recently, with which one of the following countries India has signed a joint statement named Druzhba-Dosti ? 
(A) Nepal (B) China (C) Russia (D) Bhutan (E) Myanmar (Ans : C)

15. Axis Bank was formerly known as– 
(A) YES Bank (B) UTI Bank (C) City Union Bank (D) HDFC Bank (E) Centurion Bank (Ans : B)

16. Recently, India has signed a first APA agreement with Japanese company. What does APA Stands for? 
(A) Advance Pricing Agreement (B) Advance Perform Agreement (C) Advance Purchase Agreement 
(D) Advance Procure Agreement (E) None of these (Ans : A)

17. The company ‘Associated Journals Limited' (AJL) is the publisher of now-defunct daily newspaper– 
(A) Young India (B) The Independent (C) Amrit Bazaar Patrika (D) Bombay Chronicle (E) National herald (Ans : E)

18. One rupee note bears the signature of– 
(A) President of India (B) Vice President of India (C) Finance Secretary (D) Finance Minister (E) Commerce Minister (Ans : C)

19. As per census 2011, the total urban population of India is 377.1 million. The state having the highest urban population of 50.8 million (13.5% of country's urban population) is– 
(A) Uttarakhand (B) Tamil Nadu (C) Uttar Pradesh (D) Maharashtra (E) Gujarat (Ans : D)

20. A cheque bearing the date earlier than the date of submission to the bank is known as– 
(A) Bearer Cheque (B) State Cheque (C) Crossed Cheque (D) Post Dated Cheque (E) Anti Dated Cheque (Ans : E)

21. The next Commonwealth Summit in 2015 shall be held in– 
(A) Malta (B) India (C) Sri Lanka (D) Maldives (E) Mauritius (Ans : A)

22. Liquidity is injected by the RBI in the economy through which of the following mechanisms ? 
(A) Change in Bank Rate (B) REPO (C) Increase in SLR (D) Through Liquidity Adjustment Facility (E) Increase in CRR (Ans : B)

23. The 'Glimpses of India' Festival showcasing Indian Performing arts, Modern Indian art, Buddhist artifacts and heritage, food and films etc., were organised in 12 cities of– 
(A) China (B) Europe (C) Australia (D) Russia (E) Japan (Ans : A)

24. Which of the following institutions has recently been allowed mandate for grant of banking business license by the RBI ? 
(A) IDFC (B) LIC Housing (C) L & T Finance (D) Bandhan Finance (E) Both (A) and (D) (Ans : E)

25. A Credit Guarantee Test Fund has been setup for guaranteeing Collateral Free Facilities by lending institutions to small scale industries. This fund is being managed by which of the following institutions? 
(A) IDBI (B) NABARD (C) SBI (D) SIDBI (E) RBI (Ans : D)

26. Japan has recently amended its pacifist constitution giving more powers to military. As a reason for amending the constitution, Japan has cited its dispute over Diaoyu Islands with– 
(A) China (B) Vietnam (C) Singapore (D) Philippines (E) New Zealand (Ans : A)

27. Legendary Stock Investor Warren Buffett calls the futures and options segment of the investment market is a weapons of– 
(A) Mass Financial Inclusion (B) Mass Financial Destruction (C) None of these 
(D) Mass Financial Investment (E) Mass Financial Involvement (Ans : B)

28. Latest Institution in providing Institutional Financial Assistance to Women Entrepreneurs is– 
(A) Rural Women Self Help Group (B) National Credit Fund for Women (C) Bharatiya Mahila Bank 
(D) All those given as options (E) Mahila Sarnridhi Kosh (Ans : C)

29. The national capital of the Sweden is– 
(A) Belfast (B) Rome (C) Berne (D) Stockholm (E) Kingstown (Ans : D)

30. Major internet companies are now encrypting all e-mails. For this they usually rely on a form of encryption known as the TLS. The abbreviation TLS stands for– 
(A) Transit Layer Security (B) Through Layer Security (C) Transparent Layer Security 
(D) Transport Layer Security (E) Temporary Layer Security (Ans : D)

31. Which of the following is one of the main functions of RBI? 
(A) Regulations of the Stock Markets (B) Regulation of Life Insurance (C) Regulation of General Insurance 
(D) Regulation of Mutual Funds in India (E) Banker's Bank (Ans : E)

32. Ryder Cup is awarded to the players of– 
(A) Golf (B) Baseball (C) Basketball (D) Cards (E) Cricket (Ans : A)

33. Which indigenous plane was developed by DRDO ? 
(A) Vikrant (B) Vayuyan (C) Tejas (D) Astra (E) None of these (Ans : C)

34. Which of the following is a 2,000-year - old - UNESCO - recognised classical dance-drama form from the Kerala which is feared to face extinction soon ? 
(A) Koodiyattam (B) Kuchipudi (C) Kolattam (D) Kathak (E) Kathakali (Ans : A)

35. The 'International Day of Older Persons' is observed every year on– 
(A) 31st October (B) 21st October (C) 11th October (D) 1st October (E) 19th September (Ans : D)

36. Which of the following authrities is responsible for maintaining accounts, cash deposits and bank management at the government through issue of bonds and Treasury bills? 
(A) SEBI (B) IBA (C) IRDA (D) SBI (E) RBI (Ans : E)

37. The Oscar-winning music composer A. R. Rahman has a street named after him in– 
(A) Spain (B) Canada (C) United States of America (D) France (E) Germany (Ans : B)

38. Who is the winner of Australian Grand Prix 2014? 
(A) Kevin Magnussen (B) Sergio Perez (C) Fernando Alonso (D) Nico Rosberg (E) Felipe Massa (Ans : D)

39. President Shri Pranab Mukherjee while addressing the joint session of parliament on June 14, 2014, spoke about five 'T's, three Ds and three Ss. In this context the Ss represent– 
(A) Society, Secularism and Soundness (B) Size, Safety and Security (C) Simplicity, Sincerity and Seriousness 
(D) Skill, Speed and Scale (E) Shelter, San city and Straightforwardness (Ans : D)

40. Which of the following state has Camel has its official animal? 
(A) Maharashtra (B) Madhya Pradesh (C) Odisha (D) Rajasthan (E) Haryana (Ans : D)

NABARD Assistant Manager (Grade A and B) Exam General Awareness Solved Paper (Exam Held on 1-3-2015)

1. World's first robot-staffed Hotel is set to open in which of the following countries?
(A) China (B) US (C) Singapore (D) Abu Dhabi (E) Japan (Ans : E) 

2. In which of the following states, the per capita availability of Milk is highest in the country? 
(A) Maharashtra (B) Haryana (C) Guajarat (D) Punjab (E) Tamil Nadu (Ans : D) 

3. In which city is India's first post office ATM opened? 
(A) Ahmedabad (B) Chennai (C) New Delhi (D) Mumbai (E) Hyderabad (Ans : B) 

4. At present how many credit information companies are operating in India? 
(A) Two (B) Three (C) Other than those given as options (D) Four (E) Five (Ans : D) 

5. SWIFT was founded in which of the following cities? 
(A) London (B) Brussels (C) New York (D) Hong Kong (E) Mumbai (Ans : B) 

6. Who is the head of the newly formed Expenditure Management Commission ? 
(A) Dr. Anand Sinha (B) Dr. Urjit Patel (C) Shri Arvind Mayaram (D) Dr. Subir Gokarn (E) Dr. Bimal Jalan (Ans : E) 

7. Vistara airline started its operations in India in January 2015. What is the tagline of this airline? 
(A) Fly the New Feelings (B) Now Everyone Can Fly (C) Fly at the cheapest rates 
(D) World's most favourite airline (E) Fly like a King (Ans : A) 

8. The NITI Aayog is headed by– 
(A) Minister for Planning (B) Prime Minister (C) Finance Minister (D) RBI Governor. (E) President of India (Ans : B) 

9. According to an order issued by the Culture Ministry on January 28, 2015. Who among the following has been appointed as the new chairman of Sangeet Natak Academi ? 
(A) Leela Samson (B) Anant Nag (C) Dr. P. V. Rajamannar (D) Girish Karnad (E) Shekhar Sen (Ans : E) 

10. As per Swachh Bharat Abhiyan, the aim of building a clean India is by which year? 
(A) 2021 (B) 2019 (C) 2018 (D) 2020 (E) 2016 (Ans : B) 

11. The first woman officer who led the Guard of honour at Rashtrapati Bhavan on January 26th 2015 is– 
(A) Nisha Thakur (B) Pooja Thakur (C) Punit Arora (D) Namrata Thakur (E) Other than those given as options (Ans : B) 

12. Paulina Vega, a 22-year-old student won the coveted title of Miss Universe 2015. She is from which of the following countries? 
(A) Colombia (B) India (C) Hungary (D) Honduras (E) Lithuania (Ans : A) 

13. Who amongst the following is the present Director of Centre for Advanced Financial Research and Learning (CAFRAL)? 
(A) D. K. Mohanty (B) P. Vijaya Bhaskar (C) H. R. Khan (D) G. Gopalakrishna (E) Dr. K. C. Chakraborty (Ans : D) 

14. Which of the following is the largest stock exchange in the world? 
(A) New York Stock Exchange (B) London Stock Exchange (C) Shanghai Stock Exchange 
(D) Tokyo Stock Exchange (E) NASDAQ OMX (Ans : A) 

15. Which Bank has announced the launch of country's first ‘contact-less' debit and credit cards to enable electronic payments with- out swiping ? 
(A) ICICI bank (B) HDFC bank (C) Axis bank (D) Union Bank of India (E) State Bank of India (Ans : A) 

16. Which of the following state Govt. has recently appointed yoga guru Ramdev as its brand ambassador to promote yoga and ayurveda in a big way? 
(A) Uttarakhand (B) Haryana (C) Madhya Pradesh (D) Himachal Pradesh (E) Uttar Pradesh (Ans : B) 

17. Who is the host of ICC Cricket World Cup 2015 ? 
(A) Australia and Newzealand (B) Other than those given as options (C) India and Sri Lanka 
(D) South Africa and Australia (E) England (Ans : A) 

18. Who is the chairperson of RBI? 
(A) Y. V. Reddy (B) K. L. Mohanti (C) Raghuram Rajan (D) Indra Nooyi (E) None of these (Ans : C) 

19. Who amongst the following is the present foreign secretary of India? 
(A) Sujata Singh (B) Ranjan Mathai (C) Shivshankar Menon (D) Nirupama Rao (E) Subrahmanyam Jaishankar (Ans : E) 

20. Recently the Government has notified that One Rupee Currency Notes will be put it to circulation again. The new notes will bear the signature of which of the following authorities? 
(A) Prime Minister (B) Finance Secretary (C) Finance Minister (D) Governor of RBI (E) President of India (Ans : B) 

21. RAM mense ? 
(A) Random Access Memory (B) Read Only Memory (C) Read Access Memory (D) Random Auto Memory (Ans : A) 

22. What is the minimum paid-up equity capital required for starting a small finance bank ? 
(A) Rs. 50 Crore (B) Other than those given as options (C) Rs. 250 Crore (D) Rs. 100 Crore (E) Rs. 500 Crore (Ans : D) 

23. The 'digital village' project to provide services ranging from cashless banking to digitised school teaching was recently started at Akodara village of Gujarat at the initiative of– 
(A) Aziz Premji Trust (B) Govt. of Gujarat (C) ICICI Bank (D) State Bank of India (E) Tata Enterprises (Ans : C) 

24. The year 2015 has been declared by the 68th Session of United Nations General Assembly as– 
(A) International Year of Fruits (B) International Year of Food (C) International Year of Vegetables 
(D) International Year of Good Health (E) International Year of Soils (Ans : E) 

25. Union Government renamed Direct Benefit Transfer Scheme for LPG as– 
(A) Other than those given as options (B) PAHAL (C) Ajeevika 
(D) Direct Transfer Scheme (E) Money Transfer Scheme (Ans : B) 

26. At the Asian Games held in September-October 2014, which Indian boxer refused to accept the bronze medal in order to protest a controversial decision by the judges? 
(A) L. Sarita Devi (B) Mary Kom (C) Rolando Bohol (D) Varghese Johnson (E) Kavita Goyal (Ans : A) 

27. As per Union Budget, how much capital is required to be infused in banks to meet Basel-III norms by 2018? 
(A) Rs. 2.40 lakh crore (B) Rs. 0.50 lakh crore (C) Rs. 1.00 lakh crore (D) Rs. 3.40 lakh crore (E) Rs. 5.00 lakh crore (Ans : A) 

28. Banks borrow money from the RBI at which of the following rates? 
(A) Base Rate (B) Reserve Repo Rate (C) Bank Rate (D) CRR (E) Repo Rate (Ans : E) 

29. Banks will soon be able to offer higher rate of interest on unbreakable fixed deposits. What is the minimum amount that is required to be invested in such a deposit scheme? 
(A) Over Rs. 50 lakhs (B) Upto Rs. 51akhs (C) Upto Rs. 10 lakhs (D) Over Rs. 25 lakhs (E) Over Rs. 100 lakhs (Ans : E) 

30. How many applications have been received by RBI, for starting payments bank ? 
(A) 112 (B) 65 (C) 41 (D) 72 (E) 113 (Ans : C) 

31. Pravasi Bhartiya Divas (PBD)- 2015 which was celebrated recently, was organized in which of the following States? 
(A) Kerala (B) Gujarat (C) Maharashtra (D) Rajasthan (E) Himachal Pradesh (Ans : B) 

32. A small deposit scheme for girl child, as part of the 'Beti Bachao Beti Padhao' campaign, was launched by the Govt. recently it is called as– 
(A) Balika Shiksha Account (B) Beti Padhao Deposit Scheme (C) Suraksha Deposit Scheme 
(D) Kanya Jagriti Jyoti Account (E) Sukanya Samridhi Account (Ans : E) 

33. Under the Liberalized Remittance Scheme (LRS) for resident individuals, what is the maximum amount that can be remitted abroad? 
(A) $ 250,000 (B) $ 350,000 (C) $ 500,000 (D) $ 150,000 (E) $ 50,000 (Ans : A) 

34. Which Indian state has been ranked as the fastest growing state for the year 2013-14 with GDP growth rate of 11-08% in 2013-14 ? 
(A) Madhya Pradesh (B) Haryana (C) Gujarat (D) Maharashtra (E) Bihar (Ans : A) 

35. Who among the following is the chairman of the External Advisory Committee (EAC) set up by RBI to evaluate application received for Payment? 
(A) Dr. Nachiket Mor (B) Smt. Usha Thorat (C) Shri H. R. Khan (D) Shri R. Gandhi (E) Shri S. S. Mundra (Ans : A) 

36. The deadline to exchange pre-2005 currency notes is– 
(A) 31-12-2015 (B) 30-06-2015 (C) 31-03-2015 (D) 30-09-2015 (E) 28-02-2015 (Ans : B) 

37. 'Winds of sarnara' won the new Age Album Trophy at 57th Grammy Awards recently. The album has been launched by– 
(A) A. R. Rahman (B) Ricky Kej and Wouter Kellerman (C) Bennet Veetraag 
(D) Peter Kater and Zakir Hussain (E) Paul Avgernios and Peter Kater (Ans : B) 

38. Which of the following books is written by Sanjaya Baru, former media advisor of the former Prime Minister, Manmohan Singh, just before the last Lok Sabha Election? 
(A) The Prime Minister with innovative ideas (B) The Accidental Prime Minister (C) The Intelligent Prime Minister 
(D) The Different Prime Minister (E) The Sudden Prime Minister (Ans : B) 

39. The player's auction for the 8th edition of Indian Premier League was concluded recently in Bengaluru. Which player amongst the following fetched highest amount at the auction? 
(A) Dinesh Karthik (B) Yuvraj Singh (C) Darren Sammy (D) Michael Hussey (E) Murali Vijay (Ans : B) 

40. Who among the following is the chairman of the recently constituted 7th Pay Commission? 
(A) Justice B. N. Srikrishna (retd.) (B) Dr. C. Rangarajan (C) Dr. D. Subbarao 
(D) Justice Ashok Kumar Mathur (retd.) (E) Dr. Y. V. Reddy (Ans : D) 

BANKING AWARENESS PRACTICE MCQs

1. The Reserve Bank's affairs are governed by a central board of directors. The board is appointed
by the Government of India in keeping with the Reserve Bank of India Act. It is Appointed/ nominated for a period of....
a) 6 years
b) 5 years
c) 4 years
d) 3 years
e) 2 years

2. As per SEBI guidelines, in a Book Building process the cap in the price band
a) should be at least 10 per cent of the floor price
b) should not be more than 20 per cent of the floor price
c) should not be more than 30 per cent of the floor price
d) no limits
e) none

3. _______ is a short term security (7 days to 365 days) issued by a corporate entity (other than a bank), at a discount to the face value?
a) Commercial Paper
b) Certificate of Deposit
c) Non-convertible Debenture
d) Treasury Bill
e) None of the above

4. Who is the chairman of NITI Ayog ?
a) Narendra Modi
b) Arvind Pangaria
c) Mangu Singh
d) Anupam Srivastava
e) Ashok Kumar Roy

5. The Nai Manzil Scheme is designed as an integrated education and training programme that provides youth from minority communities skills needed for different tasks in a rapidly changing world. It also provides them trade related training in which of the following areas:
a) Manufacturing
b) Engineering
c) Services
d) Soft skills
e) All the above

6. Indian Financial Network [INFINET] is the...
a) Communication backbone for the Indian Banking and Financial sector
b) Association of the employers of the banking and financial sector
c) Closed user group network of SBI and its subsidiaries
d) All of the above
e) None of the above

7. In Mutual Funds, A close ended fund means:
a) The corpus is of fixed size with a definite redemption period
b) Listing on stock exchanges provides easy liquidity
c) The market price is always below the Net Asset Value
d) All of the above
e) None of the above

8. Which of the following is correct statement in respect of debit cards
a) Debit card facility is provided to those having savings bank account/current account holders
b) This facility is not extended to cash credit/loan account holders
c) It is an unsecured credit facility
d) Debit card is issued to all the persons who visit the branch
e) a and b

9. In the term IPO, what do you mean by "P"?
a) Provisions
b) Public
c) Private
d) Prudent
e) Pension

10. The Overall Priority Sector Lending Target to be increased to _______ by Foreign Bank with
more than 20 Branches by 2018?
a) 60 percent of adjusted Net Bank Credit
b) 40 percent of Adjusted Net Bank Credit
c) 32 percent of adjusted Net Bank Credit
d) 25 percent of adjusted Net Bank Credit
e) 30 percent of adjusted Net Bank Credit

11. When it comes to scheduled commercial banks, which out of the following is not true?
a) Nationalised banks
b) Regional Rural banks
c) Foreign banks
d) Private sector banks
e) Local area banks

12. Which amongst the following is called as mother of deposits?
a) Current account
b) Fixed deposit
c) Recurring deposit
d) Savings bank
e) Reinvestment deposit

13. "Micro Finance" is a ______ of banking services?
a) Introduction stage
b) Saturation stage
c) Research stage
d) Decline stage
e) None of the Above

14. Which amongst the following is not term deposits issued by commercial banks?
a) Current account
b) Fixed deposit
c) Recurring deposit
d) Reinvestment deposit
e) All the above

15. What is the main purpose of Open market operations?
a) A fiscal device which assists Government borrowing
b) A monetary measure to regulate quantity of money in circulation and the cash reserves of the commercial banks
c) A measure to counteract extreme trends in business
d) A measure to influence the balance of payments position
e) None of the above

16. What is the full form of MSME?
a) Mini, Small and Medium Enterprises
b) Micro, Small and Medium Enterprises
c) Mini scale Marketing Enterprises
d) Medium Scale Marketing Enterprises
e) None of the above

17. A customer is required to maintain adequate balances in his/her accounts in order to use his ____ card in the merchant establishments?
a) Smart Card
b) Credit Card
c) Add-on Credit card
d) Debit Card
e) None of the above

18. Which of the following are the latest guidelines issued by the RBI in respect of opening new
branches in villages?
a) To open more brick and mortar branches in villages where there are no banking facilities
and population is more than 5,000.
b) Banks to submit a roadmap on how many branches they will be opening by 31 March 2017.
c) The roadmap by end of January 2016.
d) BCBF Model to be discontinued
e) Only a, b, c

19. Name the financial instrument which is/are issued for short term (up to one year) borrowing by
RBI on behalf of the Government of India?
a) Treasury Bills
b) Commercial Paper
c) Certificate of Deposit
d) Non-convertible Debenture
e) Only b & c

20. KYC (Know Your Customer) norms were implemented in the Indian banking system in 2002 as per the directive of ?
a) SEBI
b) RBI
c) IBA
d) IRDA
e) None of these

21. Often, we read in the newspapers that several Indian companies are taking the FCCB route to raise capital. What does the term FCCB stand for?
a) Foreign Currency Convertible Bond
b) Foreign Convertible Credit Bond
c) Financial Consortium and Credit Bureau
d) Future Credit and Currency Bureau
e) None of these

22. ATM cards are issued to a person who maintains any of following accounts with the bank
a) saving bank account
b) current accounts
c) term deposits
d) loan or cash credit accounts
e) either a or b

23. A commercial paper is
a) A paper issued by Reserve Bank of India an trade and commerce
b) An unsecured money market instrument issued in the form of promissory note
c) A document issued by IDBI for seeking refinance facility from Reserve Bank India
d) All of the above
e) None of the above

24. Which of the following would fall under the category of retail banking?
a) Home Loans
b) Credit Cards
c) Personal Loans
d) Car Loans
e) All of these

25. Who decides how much quantity of the coins to be minted?
a) Reserve Bank of India
b) Central Government
c) Finance Ministry
d) Both RBI and Central Government decide
e) None of the above

26. What are the components of Foreign Exchange Reserves?
a) Foreign currency assets,
b) Gold,
c) Special Drawing Rights
d) Reserve Position in the IMF
e) All the above

27. The chairman of Regional Rural Bank is appointed by _____?
a) State Government
b) Reserve Bank of India
c) Central Government
d) Sponsoring bank in consultation with NABARD
e) None of the above

ANSWERS: 
1) c 2) b 3) a 4) a 5) e 6) a 7) d 8) e 9) b 10) b
11) e 12) d 13) a 14) a 15) b 16) b 17) d 18) e 19) a 20) b
21) a 22) e 23) b 24) e 25) b 26) e 27) d

UDAY—Ujwal DISCOM Assurance Yojna

The Union Cabinet, chaired by the Prime Minister Narendra Modi, has given its approval to a new scheme moved by the Ministry of Power – Ujwal DISCOM Assurance Yojna or UDAY—for the financial turnaround and revival of power distribution companies (DISCOMs), as also to ensure a sustainable permanent solution to the problem. The weakest link in the power value chain is distribution, wherein DISCOMs have, as on 31 March 2015, accumulated losses of approximately Rs.3.8 lakh crore and outstanding debt of approximately Rs.4.3 lakh crore. Financially stressed DISCOMs are finding it difficult to supply adequate power at affordable rates, which is hampering quality of life and overall economic growth and development.

UDAY looks to assure the rise of vibrant and efficient DISCOMs through a permanent resolution of past as well as potential future issues of the sector. It will empower DISCOMs with the opportunity to break even in the next 2-3 years through four initiatives (i) Improving operational efficiencies of DISCOMs; (ii) Reduction of cost of power; (iii) Reduction in interest cost of DISCOMs; (iv) Enforcing financial discipline on DISCOMs through alignment with State finances. UDAY is a good example of the utilization of the best principles of cooperative and competitive federalism. Adopting UDAY is optional for States, but provides the fastest, most efficient and financially most feasible way for providing 24X7 Power for All. It will be operationalised through a tripartite agreement amongst the Ministry of Power, State Government and the DISCOM.

Sovereign Gold Bond Scheme

The Union government has launched the Gold Bond Scheme applications for which were accepted between 5-20 November 2015. The bonds were issued by the Reserve Bank of India, on behalf of the Union government.

The bonds were sold to Indian entities only, including residents, trusts, universities and charitable institutions. The minimum permissible bond was worth 2 grams of gold, and the maximum 500 grams. The Reserve Bank fixed the public issue price at ₹2,684 per gram for the sovereign gold bonds. The Sovereign Gold Bonds offer an interest rate of 2.75%. The interest will be payable semi-annually on the initial value of investment.

The tenor of the bond will be for a period of eight years, with exit option from fifth year, to be exercised on the interest payment dates. The price of the bond will be fixed in rupee terms, on the basis of the previous week’s (Monday – Friday) simple average of closing price of gold of 999 purity, published by the India Bullion and Jewellers Association Ltd. The same procedure would be followed for calculating the redemption price for the bonds. The interest earned on gold bonds would be taxable, and capital gains tax shall be levied as in case of physical gold.

The bonds are tradable on exchanges and will be eligible for Statutory Liquidity Ratio. Know your customer (KYC) norms will be the same as that for purchase of physical gold.

NABARD Recruitment of Officers in Grade ‘A’ and Grade ‘B’ Exam 2015 General Knowledge Solved Paper

1. How many countries are the members of WTO as of June 2014? 
(A) 160 (B) 156 (C) 153 (D) 145 (E) 172 (Ans : A)

2. What is the maximum amount that can be invested under the recently launched Kisan Vikas Patra? 
(A) Rs. 1,50,000 (B) Rs. 1,00,000 (C) Rs. 5,00,000 (D) No ceiling (E) Rs. 25,000 (Ans : D)

3. The world's biggest airport for international traffic as per 2014 data is 
(A) Chhatrapati Shivaji International Airport (B) Chicago International Airport (C) London's Heathrow Airport 
(D) Dubai International Airport (E) Rajiv Gandhi International Airport (Ans : D)

4. Who has been named as the winner of the 2014 Sahitya Academi Award for Sanskrit? 
(A) Harekrishna Satapathy (B) Ramji Thakur (C) Mithila Prasad Tripathi 
(D) Prabhu. Nath Dviwedi (E) Om Prakash Pande (Ans : D)

5. What is the full form of CAFRAL in financial world? 
(A) Council for Advanced Financial Research and Learning (B) Centre for Advanced Financial Research and Learning 
(C) Other than those given as options (D) Council for Advanced Financial Reporting and Learning 
(E) Centre for Advanced Financial Research to Logistics (Ans : B)

6. Report for 14th Finance Commission was submitted on 15. 12. 2014. Who was the Chairman of this Commission? 
(A) Dr. Nachiket Mor (B) Dr. C. Rangarajan (C) Dr. YV Reddy 
(D) Dr. D. Subbarao (E) Smt. Usha Thorat (Ans : C)

7. In April 2014, the Government of India signed an agreement for implementing four Hydroelectric power projects on a joint venture with which neighbour country? 
(A) Myanmar (B) Bangladesh (C) Bhutan (D) Sri Lanka (E) Nepal (Ans : C)

8. The amount invested in Kisan Vikas Patra would get doubled in. 
(A) 6 years and 3 months (B) 7 years and 6 months (C) 5 years and 6 months 
(D) 8 years and 4 months (E) 7 years and 3 months (Ans : D)

9. Union Government announced on December 24, 2014 to confer the Bharat Ratna on which two personalities? 
(A) P. V Narasimha Rao and Deen Dayal Upadhayay (B) Madan Mohan Malviya and Deen Dayal Upadhayay 
(C) Atal Bihari Vajpayee and Madan Mohan Malviya (D) C. N. R. Rao and P. V Narasimha Rao 
(E) Deen Dayal Upadhayay and Subhash Chandra Bose (Ans : C)

10. Who amongst the following has been recently appointed as Managing Director (MD) and Chief Executive Officer (CEO) of the Multi Commodity Exchange (MCX) Limited? 
(A) Deepak Parekh (B) YH. Malegam (C) B. Venkataramani 
(D) Prakash Parthasarathy (E) S. B. Mathur (Ans : C)

11. Recently a new board of Central Board of Film Certification (CBFC) has been appointed. Who amongst the following is the new Chairman? 
(A) Anupam Kher (B) Sharmila Tagore (C) Pahlaj Nahlani 
(D) Asha Parekh (E) Jaya Bachchan (Ans : C)

12. Which of the following is the regulator of the credit rating agencies in India? 
(A) FMC (B) SBI (C) SIDBI (D) SEBI (E) IRDA (Ans : D)

13. VAT stands for– 
(A) Virtual Action Tasks (B) Virtual Assessment Technique (C) Value And Tax 
(D) Other than those given as options (E) Value Added Tax (Ans : E)

14. The Government has decided to start printing of one-rupee currency notes for this year. Printing of these notes was discontinued in which year– 
(A) 2008 (B) 2005 (C) 2001 (D) 1995 (E) 1994 (Ans : E)

15. Which is the second-largest import for India after petroleum ? 
(A) Iron and Steel (B) Electronic Goods (C) Gold (D) Coal (E) Engineering Goods (Ans : C)

16. As per the data published by World Steel Association (WSA) for the period January-September 2014, which of the following country has been ranked as top steel-producing company in the world? 
(A) China (B) South Korea (C) USA (D) India (E) Japan (Ans : A)

17. What is the minimum amount that can be granted as overdraft under the PMJDY? 
(A) Rs. 10,000 (B) 25,000 (C) Rs. 50,000 (D) 1,00,000 (E) Rs. 5,000 (Ans : E)

18. Recently which of the schemes of Union Government has entered into Guinness World Records ? 
(A) Prime Minister Jan Dhan Yojna (B) Other than those given as options (C) Indira Awas Yojna 
(D) MGNREGA (E) Swacch Bharat Abhiyan (Ans : A)

19. Which of the following stock exchange was derecognised by SEBI in November 2014 on the allegation of serious irregulatiries in its function? 
(A) Calcutta Stock Exchange (B) Delhi Stock Exchange (C) Madras Stock Exchange Ltd. 
(D) Ahmedabad Stock Exchange Ltd. (E) Madhya Pradesh Stock Exchange Ltd. (Ans : B)

20. Amitabh Bachchan was appointed as brand ambassador of health sector by which State Government ? 
(A) Maharashtra (B) Punjab (C) Haryana (D) Andhra Pradesh (E) Gujarat (Ans : D)

21. As per RBI guidelines, banks can allow minors above………. years to independently open savings bank accounts in India? 
(A) 16 (B) 10 (C) 14 (D) 12 (E) 8 (Ans : B)

22. To increase the awareness among people about all the inequalities faced by the girl child in society, which of the following day is observed as 'National Girl Child Day'? 
(A) 8th March (B) Other than those given as options (C) 21st January 
(D) 24th January (E) 14th November (Ans : D)

23. During the period' 2013-14 the highest FDI in India came from which of the, following countries? 
(A) Singapore (B) Netherlands (C) Abu Dabhi (D) UK (E) Mauritius (Ans : A)

24. What is the slogan of 'Pradhan Mantri Jan Dhan Yojna'? 
(A) Mera Khata Desh Pehchan (B) Mera Khata Anna Daata (C) Mera Khata Unnati Ki Pehchan 
(D) Mera Khata Bhagya Vidhata (E) Ek Khata Sabkeliye (Ans : D)

25. Prime Minister Narendra Modi's suit with his name embroidered in gold pinstripes was out on auction recently at which of the following cities? 
(A) Varanasi (B) New Delhi (C) Surat (D) Mumbai (E) Ahmedabad (Ans : C)

26. The Charlie Hebdo, a weekly magazine, is published in which of the following countries ? 
(A) Sweden (B) Germany (C) France (D) Switzerland (E) Greece (Ans : C)

27. The stock market index of London stock exchange is referred to as– 
(A) NIKKEI225 (B) DOWJONES (C) S&P TSX (D) FTSE 100 (E) SENSEX (Ans : D)

28. As per the Income Tax law, who among the following is categorised as 'very senior citizen'? 
(A) Individuals above the age of 85 (B) Individuals above the age of 62 
(C) Individuals above the age of 80 (D) Individuals above the age of 60 
(E) Individuals above the age of 75 (Ans : C)

29. As per the recent press reports which among the following banks of India appear in the top 50 Global Banks in terms of market capitalisation? 
(A) HDFC Bank and SBI (B) ICICI and HDFC bank (C) Bank of Baroda and SBI 
(D) Axis Bank and SBI (E) ICICI and SBI (Ans : A)

30. The first Indian cricketer to score century against Pakistan in World Cup is– 
(A) Sunil Gavaskar (B) Virat Kohli (C) M. S. Dhoni (D) Sachin Tendulkar (E) Yuvraj Singh (Ans : B)

31. What is the new name of Planning Commission ? 
(A) National Development Agency (B) National Institution for Transforming India (NITI) Aayog 
(C) Bharat Pragati Lakshya (BPL) Aayog (D) Naya Yojna Ayog 
(E) Social Economic Development Committee (Ans : B)

32. In Dubai International Film Festival 2014, who among the following artists was awarded Lifetime Achievement Award? 
(A) Manoj Kumar (B) Asha Bhonsle (C) Lata Mangeshkar (D) Amitabh Bachchan (E) Dilip Kumar (Ans : B)

33. Which of the following banks will have the highest share of capital infusion out of Rs. 6,990 crore announced by the Government recently? 
(A) Punjab National Bank (B) Canara Bank (C) State Bank of India (D) Bank of Baroda (E) ICICI (Ans : C)

34. Which of the following institutions has introduced Rupay debit card? 
(A) VISA (B) NPCI (C) DISCOVER (D) RBI (E) MASTER (Ans : B)

35. A credit card user has to be conversant with 'MITC' of the issuer. What is the full form of this term? 
(A) Most indicated terms and clauses (B) Other than those given as options 
(C) Most important terms and conditions (D) Most indicated terms and conditions 
(E) Most important terms and clauses (Ans : C)

36. Who was R.K. Laxman, who passed away recently? 
(A) A fiction writer (B) A music director (C) A film director (D) A cartoonist (E) An actor (Ans : D)

37. Jim Corbett National Park is situated in which State? 
(A) Uttarakhand (B) Uttar Pradesh (C) Himachal Pradesh (D) Assam (E) Meghalaya (Ans : A)

38. Which of the following micro finance companies has been given a licence by RBI to start a bank? 
(A) Bandhan Financial Services Pvt. Ltd. (B) Grameen Financial Services Pvt. Ltd. 
(C) SKS Microfmance Ltd. (D) Janalakshmi Financial Services Pvt. Ltd. 
(E) Ujjivan Financial Services Pvt. Ltd. (Ans : A)

39. Recommendations of 7th Pay Commission are likely to be implemented from– 
(A) 1st December 2015 (B) 1st June 2015 (C) 1st April 2015 
(D) 1st January 2016 (E) 15th November 2015 (Ans : D)

40. How many teams are playing in ICC Cricket World Cup 2015? 
(A) 16 (B) 15 (C) Other than those given as options (D) 12 (E) 13 (Ans : C)