BANKING AWARENESS PRACTICE MCQs

1.    At present, Which of the following bank's (largest  share-holding 82.23%) is still held by Government?
     a) Union Bank of India
     b) United Bank of India
     c) Uco  Bank
     d) Punjab National Bank
     e) None of the above
 2.    The existing FDI (Foreign Direct Investment) Policy is modified  recently.  Important features are?
 a)    Unlisted companies can also  raise capital  abroad
 b)    No prior permission is required to raise capital abroad
 c)    No permission is also required for subsequent listing in India
 d)    The above provisions are allowed initially for a period of two years only.
 e)    All the above
 3.    At present public sector banks are offering  4% interest on Savings Bank Deposits, whereas  Bharatiya Mahila Bank  is offering?
 a)    4.5% on all the deposits in SB portfolio.
 b)    4.25% on all the deposits in SB portfolio
 c)    2% excess interest to Mahila Senior Citizens
 d)    4.5% on SB balances utto Rs 1.00 lakh and 5% on balances above Rs 1.00 lakh
 e)    All the above
 4.    In case of delay in providing credit under RTGS, the beneficiary bank has to pay compensation at current __ to the beneficiary customer per day?
     a) Repo Rate+2%    
b) Repo Rate
     c) Repo Rate + 3%    
d) Bank Rate
     e) None of the above
 5.    As per the provision of Companies Act 2013. What is the minimum paid up capital of a private company?
     a) Rs 1.00 lac    
b) Rs 2.00 lac
     c) Rs 3.00 lac    
d) Rs 4.00 lac
     e) Rs 1.00 Crore
 6.    In NEFT Unique transaction Reference (UTR) is a ______ character number?
     a) 20            
b) 16   
 c) 26    
d) 30            
e) 11
 7.    Which of the following agencies, is empowered to frame rules specifying the period of preser-vation of records & instruments by a banking company?
     a) Reserve Bank of India
     b) Central Government
     c) Competent court
     d) Indian Banks Association
     e) None of the above
 8.    Which of the following orders, the RBI may pass when the affairs of a banking company are detrimental to the interest of public?
 a)    To call any officer of the Bank to discuss the matter with RBI officials
 b)    RBI may depute its officer to watch the proceedings at any meeting of the Board of Directors
 c)    To instruct Banking company to make within specified time the changes in the manage-ment
 d)    None of the above
 e)    All the above
 9.    Which of the following state-ments is not correct in connection with interest on loans & advances?
 a)    The bank may waives the part or full of interest charged to a borrower
 b)    The bank has liberty to provide interest free loan to a borrower
 c)    In case the interest charged by the bank is not inconformity with the rate prescribed     by the RBI, the court may disallow such excess interest
 d)    The bank can charge the interest below the prime lending rate
 e)    All the above
 10.    Which of the following is not correct regarding selective credit control?
 a)    Bank loans extended to speculators to hoard goods will lead to inflation
 b)    Bank credit to consumers to raise demand for durable consumer goods will also lead    to inflation
 c)    The commodities are selected at random
 d)    Selective credit controls are used to control inflationary pressure
 e)    All the above
 11.    Which of the following guide-lines are applicable in connection with shortfall in lending to priority sector?
 a)    An equivalent amount of shortfall under agriculture sector should be invested with RIDF
 b)    Any shortfall in achieving sub-target under SSI sector, an equivalent amount should be invested with SIDBI
 c)    Interest of RIDF investment is payable at 40%
 d)    None of the aboe
 e)    All the above
 12.    Which of the following is the description of a Fixed Deposit Receipt?
 a)    It is a Negotiable Instrument
 b)    It is a  document of Title to Goods
 c)    It is a transferable Instrument
 d)    It is a undertaking to indemnity
 e)    A Not Negotiable and Transferable instrument
 13.    In a Company, the registration of charges is required for?
     a) Loan against FD
     b) Lien on Govt. Securities
     c) Book Debts
     d) Loan against Shares
     e) All the above
 14.    KYC guidelines have been framed on the basis of four core components. Which of the follo-wing in not core component?
 a)    Customer Acceptance Procedure
 b)    Customer Identification Procedure
 c)    Monitoring of Transaction
 d)    Risk Management
 e)    Management of Operational risk
 15.    In Flying Club a/c, cheque signed by the Secretary is received after his death. Whether it is payable?
 a)    It will be paid
 b)    It should not be dated subse-quent to date of death.
 c)    Both a & b
 d)    Cannot be paid
 e)    Can be Paid at the discretion of Branch Manager
 16.    In Internet banking, without involving another bank, what can be done?
 a)    FD can be issued
 b)    Intimation regarding LC
 c)    Issue of cheque
 d)    Customer funds can be transferred
 e)    None of the above
 17.    Payment of interest on Savings Bank accounts by Scheduled Commercial Banks (SCBs) would be calculated on a ______ with effect from April 1, 2010?
 a)    Minimum balance between 10th and the last date
 b)    Daily product basis
 c)    Maximum balance between 10th and the last date
 d)    No interest payable from 1st April 2010.
 e)    None of the above
 18.    Banks print Cheque books having similar particulars. The format of Cheque is prescribed by which Act?
 a)    N.I. Act 1881
 b)    It is a Practice / Customs and Usage
 c)    Transfer of Property Act
 d)    Sale of Goods Act
 e)    None of the above
 19.    Claim payable under the CGTMSE credit guarantee scheme to a women entrepreneur whose loan amount in default is Rs. 80 lac is __ lac?
     a) 40        
b) 50
     c) 55        
d) 60    
e)65
 20.    One of the following is not a characteristic of Cash Credit?
 a)    There will be series of disbursements and repayments
 b)    Stock statements are to be submitted periodically
 c)    Cheque book facility is given
 d)    Interest is debited to the account periodically
 e)    All the above
 21.    Break Even Point indicates the level of a business activity where?
     a) The business breaks down
     b) All costs are recovered.
     c) Projected profits are recovered  
     d) Fixed costs are recovered
     e) None of the above
 22.    Section 42(1) of RBI Act 1934 deals with which of the following
     important ratios?
     a) Cash Reserve Ratio
     b) Statutory Liquidity Ratio
     c) Credit Deposit Ratio
     d) Debt Equity Ratio
     e) None of the above
 23.    IBPC stands for?
 a)    Inter Bank Principal code
 b)    International Bank for Petro Chemicals
 c)    Inter Bank Participation Certificate
 d)    Inter Bank Personal clearing
 e)    None of the above
 24.    A 3 years Term Deposit Receipt was originally issued in the name A who nominated 'B'. as nominee. Subsequently, B's name was deleted and C's name was added. After one year B's name is deleted and D's name is added?
 a)    Accept the request and act accordingly as nomination can be changed any number of times.
 b)    Not accept the request as change of name is permitted only once.
 c)    Accept, provided B also gives consent
 d)    Not accept as RBI directives prohibit such a change
 e)    Nomination can be changed only twice.
 25.    Financial assistance for the activity which is not considered indirect finance to agriculture is?
     a) Agro service centre
     b) Loans to Electricity Boards
 c)    Finance to primary agricultural societies
     d) Bio gas     
     e) None of these
 
ANSWERS:
   1. b      2. e       3. d      4. a       5. a         6. b       7. b      8. e     9. b    10. c
 11. e     12. e    13. c    14. e     15. c      16. d    17. b    18. b    19. c    20. d
 21. b    22. a    23. c    24. a    25. d

GENERAL AWARENESS PRACTICE MCQs FOR IBPS EXAMS

1.    Who was appointed as the Finance Secretary in December 2013? 
     1) Arvind Mayaram
     2) Ratan Watal
     3) V.R. Sadasivam
     4) Rajiv Takru
     5) Sumit Bose
 2.    India clinched the women's Kabaddi world cup championship for the third time in a row. India defeated which of the following countries in the final match played in Jalandhar on December 12, 2013?
     1) England
     2) New Zealand
     3) Pakistan
     4) Iran
     5) Kenya
 3.    Which sportsperson's autobiography is titled 'Unbreakable'?
     1) Saina Nehwal
     2) Sania Mirza
     3) Mary Kom
     4) Mithali Raj
     5) Dipika Pallikal
 4.    Who was named TIME magazine's Person of the Year in December 2013?
     1) Bashar al-Assad (Syria)
     2) Ted Cruz (USA)
     3) Barack Obama (USA)
     4) Pope Francis (Argentina)
     5) Edith Windsor (USA)
 5.    The Bharatiya Janata Party's leader Raman Singh was sworn in as the Chief Minister of Chhattisgarh on December 12,2013 for the?
     1) First term
     2) Second term
     3)  Third term
     4) Fourth term
     5) Fifth term
 6.    Who won the 2013 United Nations Human Rights Prize on December 10, 2013 which is bestowed every five years?
     1) Biram Dah Abeid (Mauritania)
     2) Liisa Kauppinen (Finland)
     3) Khadija Ryadi (Morocco)
     4) Malala Yousafzai (Pakistan)    
5) All the above
 7.    Doha Bank will open its first branch in India in Mumbai in 2014-15 to offer diversified banking services. Doha Bank is the largest private commercial bank in?
     1) Kuwait    
2) UAE
     3) Saudi Arabia    
     4) Qatar    
5) Oman
 8.    Who became the fastest batsman to reach 4,000 runs (81 innings) in one day international cricket breaking the record of Sir Vivian Richards in December 2013?
     1) Virat Kohli (India)
 2) Brendon McCullum (New Zealand)
     3) Hashim Amla (South Africa)   
     4) Chris Gayle (West Indies)   
     5) Ross Taylor (New Zealand)         
 9.    Who was declared The Guardian's "Person of the Year" for 2013?
     1) Marco Weber (Switzerland)
     2) Waris Dirie (Somalia)
     3) Sini Saarela (Finland)
     4) Edward Snowden (USA)   
     5) Julian Assange (Australia)
 10. Frederick Sanger of England died on November 19, 2013. He won the Nobel Prize in which of the following subjects twice, in 1958 and 1980?
     1) Economics
     2) Medicine    
     3) Literature
     4) Physics    
     5) Chemistry
 11.    There were over 140 Centrally Sponsored Schemes (CSS) in the 11th Five-Year plan. In the 12th Five-Year Plan these schemes will be condensed to?
     1) 66    
2) 78      
3) 102    
     4)  85    
5) None of these
 12.    The Prime Minister Manmohan Singh recently laid foundation stone of the 850 MW Ratle hydro-electric power plant on the River?
     1) Sindh    
2) Chenab
     3) Jhelum    
4) Alaknanda
     5) Beas
 13.    The Central Government has launched Roshni, the placement linked skill-development scheme in the?
     1) Drought affected areas
     2) Floods affected areas
     3) Maoist affected areas
     4) Terrorist affected areas
     5) Communally sensitive areas
 14.    Which country is planning to build a canal linking the Pacific and the Atlantic oceans?
     1) Cuba    
2) USA
     3) Argentina    
     4) Nicaragua  
     5) Honduras  
 15.    As per the CRISIL index which of the following have emerged on top on the parameters of financial inclusion?
     1) Eastern states
     2) North Eastern states
     3) Western states
     4) Southern states
     5) Northern states
 16.    Priority sector lending by banks in India constitutes the lending to?
     1) Agriculture
     2) Weaker sections  
     3) Micro and Small Enterprises         
     4) Both 1 and 2
     5) All 1, 2 and 3
 17.    The National Development Council does not include?
     1) The Prime Minister    
     2) Ministers of Union Cabinet
     3) Chief Ministers of all the States
 4) Members of the Planning Commission
 5)    The Chairman, Finance Commission
 18.    Japan has pledged to invest one billion dollars for strengthening social systems and security in the conflict-stricken Sahel region in?
     1) Asia    
2) Africa
     3) North America
     4) South America
     5) Central America
 19.    The 10th Commonwealth Women Affairs Ministers' Meeting was held in Dhaka recently. It was attended by?
     1) Girija Vyas
     2) Kumari Selja
     3) Krishna Tirath
     4) Jayanthi Natarajan
     5) Chandresh Kumari Katoch
 20.    Identify the mismatched pair?
     1) Rahi Sarnobat - Shooting
     2) Parimarjan Negi - Chess
     3) Rupesh Shah - Billiards
     4) K.Srikanth - Badminton
     5) Sudha Singh - Boxing
 21.    The annual "Doing Business" report is published by?
     1) World Bank
     2) Asian Development Bank
     3) International Monetary Fund
     4) World Economic Forum
     5) World Trade Organization
 22.    Which of the following is not a classical language?
     1) Sanskrit
     2) Kannada
     3) Tamil
     4) Malayalam
     5) Bengali
 23.    'UMEED' scheme aims to empower women in?
     1) Uttar Pradesh
     2) Punjab    
     3) Jammu& Kashmir
     4) Haryana    
     5) None of these
 24.    The Commodities Transaction Tax (CTT) which is applicable only for non-agricultural commodities is effective from?
     1) April1, 2013
     2) May1, 2013
     3) June1, 2013
     4) July 1, 2013
     5) None of these
 25.    Who won the Warwick Prize for Writing for the book 'Memorial' in September 2013?
     1) Alice Oswald
     2) Julian Barnes
     3) Amitav Ghosh
     4) Robert Gray
     5) Etgar Keret
 26.    Which of the following days is celebrated as Nelson Mandela International Day?
     1) December 5    
     2) July 11    
     3) December 10
     4) July 18    
5) July 12
 27.    Who was recently honored with the Nomura Award in Singapore for her humanitarian works?
     1) Kiran Bedi
     2) Medha Patkar
     3) Arundhathi Roy
     4) Neelima Misra
     5) Ela Bhatt
 28.    T.M. Soundararajan passed away recently. He was a famous?    1) Tamil actor
     2) Academician    
3) Athlete    
     4) Playback singer
     5) Poet
 29.    T.C.A. Raghavan has been appointed as Indian High Commissioner to?
     1) UK    
2) Canada
     3) Pakistan    
     4) Bangladesh
     5) New Zealand
 30.    K.T. Francis passed away recently. He was a cricket umpire from?
     1) England    
     2) Sri Lanka
     3) India    
     4) Australia
     5) West Indies
 31.    The President of India, Pranab Mukherjee, recently laid the foundation stone of Atal Bihari Vajpayee Hindi University at?
     1) Bhopal    
2) Patna
     3) Gandhinagar    
4) Raipur
     5) Ranchi
 32.    The permanent headquarters of National Commission for Women (NCW) in New Delhi is known as?
     1) Mahila Bhawan
     2) Nirbhaya Bhawan
     3) Indira Bhawan
     4) Sabla Bhawan
     5) Sarojini Bhawan
 33.    Which country has gifted a statue of Saraswati, the Hindu goddess of education and wisdom, to USA?
     1) India    
2) Bangladesh
     3) Indonesia    
4) Cambodia
     5) Thailand
 34.    NOFHC stands for?
 1)    Non Operational Fiscal Holding Company
 2)    Non Operative Financial Holding Company
 3)    New Operational Financial Hedge Corporation
 4)    New Outsourcing Fund of Hedge Companies
 5)    None of these
 35.    A short term RRB Credit Refinance Fund is set up to enhance the capacity of Regional Rural Banks to disburse short term crop loans to the small and marginal farmers. It is set up by?
     1) RBI    
2) SEBI
     3) SIDBI    
4) SBI
     5) NABARD
 36.    Who invented mechanical calculator, a device used to perform automatically the basic operations of arithmetic, in 1642?
     1) Marconi
     2) Charles Babbage
     3) Isaac Newton
     4) Blaise Pascal
     5) None of these
 37.    Identify the correct statement?
 1)    The General Anti Avoidance Rules (GAAR) comes into force on April 1, 2014
 2)    Five Year Plans are monitored by the Inter State Council
 3)    "Fault Lines: How Hidden Fractures Still Threaten the World Economy" is written by Amartya Sen
 4)    SBI has launched the first white label ATM (WLA) in India    
 5)    Sunderbans is located in West Bengal
 38.    India's first indigenous aircraft carrier was launched at Kochi shipyard in August 2013. It is?
     1) INS Vikramaditya
     2) INS Shivalik
     3) INS Vikrant
     4) INS Arihant  
     5) None of these
 39.    The graphic biography of which of the following greatest sportspersons was launched on August 29, 2013? 
     1) Sachin Tendulkar
     2) Viswanathan Anand
     3) Sunil Gavaskar
     4) Dhyan Chand
     5) Milkha Singh
 40. According to the annual Global Competitiveness Report 2013-14 which is released by the Geneva-based World Economic Forum recently, India's rank is?
     1) 60     
2) 45      
3) 54    
     4) 31          
5) 75

 Answers
 1) 5       2) 2            3) 3       4) 4       5) 3        6)  5      7) 4          8) 3        9) 4     10) 5
 11) 1    12) 2         13) 3     14) 4     15) 4       16) 5    17) 5         18) 2     19) 3     20) 5
 21) 1    22) 5         23) 3     24) 4     25) 1       26) 4    27) 1         28) 4     29) 3     30) 2
 31) 1    32) 2         33) 3     34) 2     35) 5       36) 4    37) 5         38) 3     39) 4     40) 1 

GENERAL AWARENESS PRACTICE MCQs

1.    Who defeated Sheila Dikshit, the three-time Chief Minister of Delhi in the New Delhi assembly constituency which she had held for 15 years, in December 2013?
     1) Harsh Vardhan
     2) Manish Sisodia
     3) Jagdeep Singh
     4) Pradyuman Rajput
     5) Arvind Kejriwal
 2.    Nelson Mandela, South Afri-ca’s first black President, died at the age of 95 years on December 5, 2013. In 1993, Mandela was awarded the Nobel Peace Prize along with?
     1) Fidel Castro 
2) F.W. de Klerk
     3) Oliver Tambo
     4) Yasser Arafat
     5) Desmond Tutu
 3.    Who will succeed Deepak Sandhu as the next Chief Infor- mation Commissioner (CIC) of India?
     1) Sudha Sharma
     2) Satyanand Misra
     3) Sushma Singh
     4) Sujatha Singh
     5) Sanjay Baru
 4.    Who was crowned Miss Earth 2013 in Muntinlupa City, Phili- ppines on December 7, 2013?
     1) Katia Wagner (Austria)
     2) Catharina Choi (South Korea)
     3) Kristal Silva (Mexico)
     4) Alyz Henrich (Venezuela)
     5) Punika Kulsoontornrut (Thailand)
 5.    Who represented India in the Miss Earth beauty pageant in Philippines in December 2013?
     1) Navneet Kaur Dhillon
     2) Manasi Moghe
     3)  Shobita Dhulipala
     4) Neena Davuluri
     5) Vasuki Sunkavalli
 6.    Who was reappointed as the Director General of Organi-zation for the Prohibition of Chemical Weapons (OPCW) in December 2013?
     1) Yukia Amano
     2) Roberto Azvedo
     3) Ahmet Uzumcu
     4) Anthony Lake
     5) Irina Bokova
 7.    Which country has won the right to host the 2017 Under-17 FIFA World Cup Football?
     1) Ireland    
2) South Africa
     3) Uzbekistan    
4) India
     5) Japan
 8.    The official ball to be used in the 2014 Football World Cup was unveiled in Rio de Janeiro in December 2013. It is called?
     1) Jabulani   
 2) Selecao
     3) Brazuca     
4) Bossa Nova
     5) Cuiaba
 9.    Nabil Fahmy visited India in December 2013. He is the Foreign Minister of?
     1) Pakistan    
2) Egypt
     3) Libya    
4) Lebanon
     5) Iran
 10.    Who is the only woman to have been first lady of two different countries, serving as the First Lady of Mozambique from 1975 to 1986 and the First Lady of South Africa from 1998 to 1999?
     1) Winnie Mandela
     2) Zanele Mbeki
     3) Graca Machel
     4) Marcelina Chissano
     5) Maria da Luz Guebuza
 11.    Mount McKinley is the highest mountain peak in?
     1) North America
     2) South America    
3) Africa    
4)  Australia            
5) Europe
 12.    Who became the first Indian woman to scale the seven continental peaks after climbing McKinley peak in May 2013?
     1) Arunima Sinha
     2) Premlata Agrawal
     3) Bachendri Pal
     4) Santoshi Yadav
     5) None of these
 13.    President Pranab Mukherjee inaugurated Oil and Natural Gas Corporation’s mega power project in June 2013 in Pala-tana in?
     1) Assam          
2) Tripura
     3) West Bengal
     4) Arunachal Pradesh
     5) Meghalaya
 14.    Which of the following organizations has designated Nicobar Islands as a world biosphere reserve under its ‘Man and Biosphere Program’ (MAB)?
     1) WIPO    
2) UNICEF
     3) UNESCO    
4) WMO
     5) IPCC
 15.    Indian philanthropist Binde- shwar Pathak received the Legend of Planet award in Paris in June 2013. He is the founder of?
     1) Child Relief and You
     2) SEWA
     3) Chipko Movement
     4) IVDP
     5) Sulabh International
 16.    Chamoli, Rudraprayag and Pithoragarh districts were ravaged in the recent floods. They are in?
     1) Uttar Pradesh  
2) Odisha
     3) Bihar        
4) Uttarakhand
     5) West Bengal
 17.    Which of the following is the currency of Brazil?
     1) Peso    
2) Dollar
     3) Franc    
4) Pound
     5) Real
 18.    SEBI has appointed a committee on Rationalization of Inves- tment Routes and Monitoring of Foreign Portfolio Invest-ments under the Chairmanship of ?
     1) K.M. Chandrasekhar
     2) U.K. Sinha      
3) Y.V. Reddy
     4) R. Damodaran
     5) None of these
 19.    India's first Technical University for women was inaugurated in June 2013 in?
     1) Delhi    
2) Mumbai
     3) Hyderabad    
4) Jaipur
     5) Chennai
 20.    According to the Times Higher Education magazine Pohang University of Science &Tech nology, also known as POS TECH, has topped the rankings of the world’s top 100 universities under 50 years old. POSTECH is in?
     1) Singapore    
2) South Korea
     3) Vietnam   
 4) Thailand
     5) China
 21.    Which of the following is the longest river in Europe?
     1) Danube     
2) Ural
     3) Rhine    
4) Volga
     5) Rhone
 22.    What is the priority sector lending target for domestic banks and foreign banks with branch network of 20 and above in India?
     1) 32 per cent      
2) 40 per cent
     3) 50 per cent  
4) 46 per cent
     5) 35 per cent
 23.    ‘Manodhairya Yojana’ is aimed at providing financial, medical and legal aid, rehabilitation and counseling to victims of rape and child abuse. This scheme was launched recently by?
     1) Maharashtra
     2) Arunachal Pradesh
     3) Uttar Pradesh    
4) Delhi
     5) Andhra Pradesh
 24.    Gregg Clark has been appointed as the chief coach of the Junior Men's National Hockey Team. He belongs to?
     1) Germany    
2) Belgium
     3) Australia    
     4) South Africa
     5) Netherlands
 25.    In which event in the 20th Asian Athletics Championships Vikas Gowda won a gold medal in Pune in July 2013?
     1) High Jump    
2) Long Jump
     3) Shot Put    
     4) 10,000 meter race
     5) Discus Throw
 26.    Marwar Festival is celebrated every year in?
     1) Madhya Pradesh
     2) Gujarat    
3) Rajasthan
      4) Maharashtra
     5) Uttar Pradesh
 27.    Countries and their capitals are given below. Identify the mismatched pair?
     1) Australia – Canberra
     2) Austria – Vienna
     3) Finland – Helsinki
     4) Denmark – Copenhagen
     5) Switzerland – Geneva
 28.    Ramesh Abhishek is the Chairman of?
     1)    Securities and Exchange Board of India   
     2) Forward Markets Commission    
     3)    Insurance Regulatory Deve- lopment Authority   
     4)    Pension Fund Regulatory Development Authority       
     5)    Competition Commission of India
 29.    According to the Micro, Small and Medium Enterprises Development (MSMED) Act 2006, a medium enterprise is an enterprise where the investment in equipment is more than Rupees 2crore but does not exceed?
     1) Rs 3crore        
2) Rs 4crore
     3) Rs 5crore       
     4) Rs 10crore
     5) None of these
 30.    Rajiv Gandhi Ann Yojana under the Food Security Sche me was launched in September 2013 by the Chief Minister of?
     1) Maharashtra
     2) Himachal Pradesh
     3) Rajasthan
     4) Assam
     5) Karnataka
 31.    Which of the following is not regulated by the Reserve Bank of India?
     1) Reporate    
2) CRR
     3) SLR    
4) Cess
     5) Marginal Standing Facility
 32.    Which of the following sets standards and promotes effective implementation of legal, regulatory and operational measures for combating money laundering and terrorist finan cing?
     1) AMLA    
2) SWIFT
     3) KYC   
 4) FATF
     5) None of these
 33.    The National Payments Corpo-ration of India (NPCI) has launched an instant interbank electronic fund transfer service through mobile phones. It is called?
     1) IMPS       
2) NEFT
     3) INSTAPAY       
4) RTGS
     5) None of these

ANSWERS:
 1) 5    2) 2    3) 3    4) 4
 5) 3    6) 3    7) 4    8) 3
 9) 2    10) 3    11) 1    12) 2    
 13) 2    14) 3    15) 5    16) 4    
 17) 5    18) 1    19) 1    20) 2
 21) 4    22) 2    23) 1    24) 4    
 25) 5    26) 3    27) 5    28) 2    
 29) 3    30) 2    31) 4    32) 4    
 33) 1