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Nainital Bank Clerk Mock Test - 1 - Bank Exams MCQ


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30 Questions MCQ Test Mock Test Series for Nainital Bank Clerk 2024 - Nainital Bank Clerk Mock Test - 1

Nainital Bank Clerk Mock Test - 1 for Bank Exams 2024 is part of Mock Test Series for Nainital Bank Clerk 2024 preparation. The Nainital Bank Clerk Mock Test - 1 questions and answers have been prepared according to the Bank Exams exam syllabus.The Nainital Bank Clerk Mock Test - 1 MCQs are made for Bank Exams 2024 Exam. Find important definitions, questions, notes, meanings, examples, exercises, MCQs and online tests for Nainital Bank Clerk Mock Test - 1 below.
Solutions of Nainital Bank Clerk Mock Test - 1 questions in English are available as part of our Mock Test Series for Nainital Bank Clerk 2024 for Bank Exams & Nainital Bank Clerk Mock Test - 1 solutions in Hindi for Mock Test Series for Nainital Bank Clerk 2024 course. Download more important topics, notes, lectures and mock test series for Bank Exams Exam by signing up for free. Attempt Nainital Bank Clerk Mock Test - 1 | 200 questions in 145 minutes | Mock test for Bank Exams preparation | Free important questions MCQ to study Mock Test Series for Nainital Bank Clerk 2024 for Bank Exams Exam | Download free PDF with solutions
Nainital Bank Clerk Mock Test - 1 - Question 1
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In a certain code language. ‘Some experts always give right advice’ is written as ‘fa do me re sa la’,         
‘advice always very good’ is written as ‘cha re fa ta’         
‘seniors always give suggestion’ is written as ‘ma la hpo fa’,        
 ‘experts person are good’ is written as ‘clip cha sa den’ and         
‘senior are very right’ is written as ‘ta hpo clip do’.

Q. 
Which of the following may represent ‘experts are verydecesive’?

Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 1

The word , ''experts" is in 1st and 4th statement and the common code in both statements is "sa".
 "are" is in 4th and 5th and the common code is "clip".
"very" is in 2nd and 5th. Common code is "ta".
"decisive" is in none.
So code for - experts are very decesive should have sa , ta , clip and a new code for decesive.
So “sa ta clip mi” is the code.

Nainital Bank Clerk Mock Test - 1 - Question 2
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Direction: Study the following information and answer the questions that follow:

Five guest lecturers have to be scheduled for students starting from Monday and ending on Friday of the same week. The topics of lectures are maths, science, language, civics, and grooming, not necessarily in the same order. The experts for lectures belong to Hyderabad, Chennai, Mumbai, Delhi, and Jaipur, not necessarily in the same order. Three guest lecturers are females and two are males.

The males will take lectures on alternate days and won't be available on Monday. The expert who belongs to Delhi is a female and is free only on Tuesday. The Civics lecture needs to be scheduled on Wednesday. Neither grooming nor maths can be scheduled for Monday. The language lecture should be scheduled after civics. The grooming expert belongs to Hyderabad. The expert of science neither belongs to Chennai, nor to Jaipur. A female expert belongs to Jaipur.

Q. 
Which of the following statements is true about the lecture on grooming?

A. The expert who took the lecture is female.

B. The expert delivered a lecture on Thursday.

C. The expert delivered a lecture on Tuesday.

Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 2

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Nainital Bank Clerk Mock Test - 1 - Question 3
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Durai said to Natraj, "The man who is playing football is the younger of the two brothers of the daughter of my father's wife." How is the man playing football related to Durai?

Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 3

Let the man playing football be X.
Durai's father's wife is Duari's mother.
Daughter of Durai's father's wife is Durai's sister.

Durai's sister's brother is Durai's brother.
From the above figure, it is clear that the man playing football is Durai's brother.

Nainital Bank Clerk Mock Test - 1 - Question 4
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Directions: Study the following information carefully and answer the given question.

When a word and number arrangement machine is given an input line of words and numbers, it arranges them following a particular rule. The following is an illustration of input and rearrangement.

Input: engineer 30 marble famous 41 52 seven 61 rough 36 89 jump
Step 1: engineer famous 30 marble 41 52 seven 61 rough 36 89 jump
Step 2: engineer famous 89 61 30 marble 41 52 seven rough 36 jump
Step 3: engineer famous 89 61 jump marble 30 41 52 seven rough 36
Step 4: engineer famous 89 61 jump marble 52 41 30 seven rough 36
Step 5: engineer famous 89 61 jump marble 52 41 rough seven 30 36
Step 6: engineer famous 89 61 jump marble 52 41 rough seven 36 30

Step 6 is the last step of the above input.

Now, as per the rules followed in the above steps, answer the given question based on the following input:
Input: bone 11 alluring 25 major 47 81 enough 49 simple 16 anxious

Q. Which of the following terms exactly comes between '49' and 'enough' in Step 3?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 4

Input: bone 11 alluring 25 major 47 81 enough 49 simple 16 anxious
Step 1: alluring anxious bone 11 25 major 47 81 enough 49 simple 16
Step 2: alluring anxious 81 49 bone 11 25 major 47 enough simple 16
Step 3: alluring anxious 81 49 bone enough 11 25 major 47 simple 16
Step 4: alluring anxious 81 49 bone enough 47 25 11 major simple 16
Step 5: alluring anxious 81 49 bone enough 47 25 major simple 11 16
Step 6: alluring anxious 81 49 bone enough 47 25 major simple 16 11
Rule: In Step 1, two words are picked and arranged in alphabetical order and placed at the left corner and in Step 2, two numbers are picked and arranged in descending order, next to the words arranged in alphabetical order and so on.

Nainital Bank Clerk Mock Test - 1 - Question 5
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Directions: Study the following information carefully and answer the given question.
A word and number arrangement machine, when given an input line of words and numbers, rearranges them following a particular rule in each step. The following is an illustration of input and rearrangement.

Input: sky to 18 23 seven hardwork 24 animal 11 62
Step 1: 11 to sky 18 23 seven hardwork 24 animal 62
Step 2: 23 sky 11 to 18 seven hardwork 24 animal 62
Step 3: 24 seven 23 sky 11 to 18 hardwork animal 62
Step 4: 62 animal 24 seven 23 sky 11 to 18 hardwork
Step 5: 18 hardwork 62 animal 24 seven 23 sky 11 to

As per the rules followed in the steps given above, answer the question based on the input given below.
Input: 92 fight 66 purple 12 snow starwar 42 nightmare examples 78 celebrating 37 hardworker 52 88

Q. How many steps are required to complete the arrangement after the step given below?
92 examples 37 starwar 52 purple 42 fight 12 snow 66 nightmare 78 celebrating hardworker 88
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 5

Input: 92 fight 66 purple 12 snow starwar 42 nightmare examples 78 celebrating 37 hardworker 52 88
Numbers are aligned according to the sum of the digits and words are aligned according to the number of letters.

Step 1: 12 snow 92 fight 66 purple starwar 42 nightmare examples 78 celebrating 37 hardworker 52 88
Step 2: 42 fight 12 snow 92 66 purple starwar nightmare examples 78 celebrating 37 hardworker 52 88
Step 3: 52 purple 42 fight 12 snow 92 66 starwar nightmare examples 78 celebrating 37 hardworker 88
Step 4: 37 starwar 52 purple 42 fight 12 snow 92 66 nightmare examples 78 celebrating hardworker 88
Step 5: 92 examples 37 starwar 52 purple 42 fight 12 snow 66 nightmare 78 celebrating hardworker 88
Step 6: 66 nightmare 92 examples 37 starwar 52 purple 42 fight 12 snow 78 celebrating hardworker 88
Step 7: 78 hardworker 66 nightmare 92 examples 37 starwar 52 purple 42 fight 12 snow celebrating 88
Step 8: 88 celebrating 78 hardworker 66 nightmare 92 examples 37 starwar 52 purple 42 fight 12 snow

Step 5 is given in the question. Three more steps are required to complete the arrangement.

Nainital Bank Clerk Mock Test - 1 - Question 6
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Directions: The given question is on the basis of following information.

A number and word arrangement machine, when given an input line of words and numbers, re-arranges them by undertaking a specific rule in every step. Given below is the illustration of an input and its steps of re-arrangement.

Input: 8 Camera 3 12 Stardom Umbrella 11 Orange 21 23 Public Apple
Step I - Apple 3 8 Camera 12 Stardom Umbrella 11 Orange 21 23 Public
Step II - Apple 3 8 Camera 12 Umbrella 11 Orange 23 Public Stardom 21
Step III - Apple 3 Orange 11 8 Camera 12 Umbrella 23 Public Stardom 21
Step IV - Apple 3 Orange 11 8 Camera Umbrella 23 Public 12 Stardom 21
Step V - Apple 3 Orange 11 Umbrella 23 8 Camera Public 12 Stardom 21
Step VI - Apple 3 Orange 11 Umbrella 23 Camera 8 Public 12 Stardom 21
Here, step VI is the final step of the given input.

Input for the question is given below:

Input: Ice-cream 18 Elephant 6 31 Brain 12 Praise Owl 13 23 Train

Q. What will be the product of the first number from both ends in step V?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 6

Distribution of words in the given input is as follows.
Words initiating with a vowel - Apple, Orange and Umbrella
Consonants - Camera, Public and Stardom
Prime numbers - 3, 11 and 23
Composite numbers - 8, 12 and 21
The re-arrangement of this input is done using the following logic.
Step 1 - Vowel + smallest prime number at start (Apple 3)
Step 2 - Consonant + largest composite number at last (Stardom 21)
Step 3 - Next vowel + next prime number (Orange 11) and the process continues till step 6.
So, the re-arrangement for the asked Input - Ice-cream 18 Elephant 6 31 Brain 12 Praise Owl 13 23 Train:

Step 1 - Elephant 13 Ice-cream 18 6 31 Brain 12 Praise Owl 23 Train
Step 2 - Elephant 13 Ice-cream 6 31 Brain 12 Praise Owl 23 Train 18
Step 3 - Elephant 13 Ice-cream 23 6 31 Brain 12 Praise Owl Train 18
Step 4 - Elephant 13 Ice-cream 23 6 31 Brain Owl Praise 12 Train 18
Step 5 - Elephant 13 Ice-cream 23 Owl 31 6 Brain Praise 12 Train 18
Step 6 - Elephant 13 Ice-cream 23 Owl 31 Brain 6 Praise 12 Train 18
The numbers are 13 and 18 and the product is 234.

Nainital Bank Clerk Mock Test - 1 - Question 7
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A statement is given followed by two conclusions. Find which conclusion is true based on the given statement.

Statement:

C < A ≤ T = D ≥ O; G ≥ D < S; T ≥ A

Conclusions:

I: A ≤ O

II: C < G
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 7

The given statement is: C < A ≤ T = D ≥ O; G ≥ D < S; T ≥ A

Combine the statement: C < A ≤ T = D ≥ O; G ≥ D < S

Conclusions:

I: A ≤ O → False (as A ≤ T = D ≥ O gives; as A ≤ D and D ≥ O → clear relationship between A and O cannot be determined).

II: C < G → True (as C < A ≤ T = D ≥ O; G ≥ D < S gives; as by combinatin C < A ≤ T = D ≤ G so C < G True).

Hence, the correct answer is “Only II”.

Nainital Bank Clerk Mock Test - 1 - Question 8
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Directions: In the following question assuming the given statements to be true, find which of the given conclusions is definitely true.

Statement:

C < O > K; Z < R < N = C
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 8

Given:

C < O > K; Z < R < N = C

On Combining:

Z < R < N = C < O > K

Conclusions:

1. R < C → True (as R < N = C)

2. Z > N → False (as Z < R < N; therefore Z < N)

3. O = R → False (as R < N = C < O; therefore R < O)

4. C < K → False (as C < O > K; thus, a clear relation between C and K cannot be established)

Hence, “R < C” is definitely true among the given options.

Nainital Bank Clerk Mock Test - 1 - Question 9
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Statements:
All the windows are doors.
No door is a wall.

Conclusions:
1. Some windows are walls.
2. No wall is a door.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 9

  • Since both the premises are universal and one premise is negative, the conclusion must be universal negative.
  • (2) is the converse of the second premise and thus it  holds.
Nainital Bank Clerk Mock Test - 1 - Question 10
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Directions(Q1-Q30): Read each sentence to find out whether there is any grammatical error in it. The error, if any will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is 'D'. (Ignore the errors of punctuation, if any).

Q. We discussed about the problem so thoroughly / on the eve of the examination / that I found it very easy to work it out / No error.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 10

This statement is wrong: We discussed about the problem so thoroughly

Correct Statement will be: We discussed the problem so thoroughly.

Nainital Bank Clerk Mock Test - 1 - Question 11
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I could not put up in a hotel / because the boarding and lodging charges / were exorbitant / No errors.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 11

This statement is wrong: I could not put up in a hotel

Correct Statement will be: I could not put up at a hotel

Nainital Bank Clerk Mock Test - 1 - Question 12
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The Indian radio / which was previously controlled by the British rulers / is free now from the narrow vested interests / No error.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 12

This statement is wrong: Is free now from the narrow vested interests

Correct Statement will be: Is now free from the narrow vested interests.

Nainital Bank Clerk Mock Test - 1 - Question 13
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If I had known / this yesterday / I will have helped him / No error.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 13

This statement is wrong: I will have helped him

Correct Statement will be: I would have helped him

Nainital Bank Clerk Mock Test - 1 - Question 14
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Fill in the blank (8) from suitable given options:

Leadership is one element, probably the most important element, of the overall managerial job. For managerial effectiveness, leadership quality is (1)____. Leadership is not status or (2)____ but rather it is having (3)____ over others. Managers are required to (4)____ the objectives; leadership is exercised to (5)____ them. Leadership is an individual (6)____and is proportional to individual’s own personal  (7)____ to get people to do as he (8)____. Thus leadership can stimulate and (9)____ people to get their willingness and (10)____ for achieving the proposed objectives of the organization.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 14

The correct option is B.
Leadership is an individual ability and is proportional to an individual's own personal resources to get people to do as he wishes.
A person can do whatever he wishes with the help of his ability and resources. 

Nainital Bank Clerk Mock Test - 1 - Question 15
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Fill in the blank (9) from suitable given options:

Leadership is one element, probably the most important element, of the overall managerial job. For managerial effectiveness, leadership quality is (1)____. Leadership is not status or (2)____ but rather it is having (3)____ over others. Managers are required to (4)____ the objectives; leadership is exercised to (5)____ them. Leadership is an individual (6)____and is proportional to individual’s own personal  (7)____ to get people to do as he (8)____. Thus leadership can stimulate and (9)____ people to get their willingness and (10)____ for achieving the proposed objectives of the organization.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 15

The correct option is B.
Leadership can motivate a person to do what he is willing to do.
Thus motivate is the most suitable word here.

Nainital Bank Clerk Mock Test - 1 - Question 16
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DIRECTIONS: The following question contains an idiom and its usage in a sentence, followed by five possible meanings labelled A, B, C, D and E. Pick out the right meaning of the idiom in question and mark your answer accordingly.

Q.
In camera.

The trail was so important that the entire proceedings were held "in camera".
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 16

In camera means: In private. This phrase comes from Latin and means "in the chamber."

Nainital Bank Clerk Mock Test - 1 - Question 17
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Directions: The following question has two blanks. In each blank a preposition has been omitted. Choose the set of prepositions for each blank that best fits in the context of the sentence.

Tuesday’s multi-city police raids leading ________ the arrests of five people ________ alleged Maoist links has once again brought the debate on the concept of Urban Naxalism.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 17

Tuesday’s multi-city police raids leading ________ the arrests of five people ________ alleged Maoist links has once again brought the debate on the concept of Urban Naxalism.

We know that the verb 'lead' is followed by the preposition 'to'. Therefore, the preposition 'to' should be filled in the blank 1.

Lead (Verb):
To culminate or result in (a particular event or consequence).

Ex. Closing the plant will lead to 300 job losses.

Now, if we observe we can find that there is no other option in which 'to' is given as a choice for the blank 1. Thus, all other options can get eliminated.

Option B is hence the correct answer.

Nainital Bank Clerk Mock Test - 1 - Question 18
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Directions: The following question has two blanks. In each blank a preposition has been omitted. Choose the set of prepositions for each blank that best fits in the context of the sentence.

The global financial institution has advocated _________ reforms that favour agribusiness and ignore peasants and indigenous peoples whose livelihoods depend _________ traditional land use.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 18

The global financial institution has advocated ________ reforms that favour agribusiness and ignore peasants and indigenous peoples whose livelihoods depend _________ traditional land use.

In the context of the sentence, the preposition following the verb 'advocated' must be 'for'.
Advocate (Verb):
to speak in support of an idea or course of action.
Ex. The organization advocates for human rights.
Now, as we know that the verb 'depend' is followed by the preposition 'on', 'on' is the perfect choice for the blank 2.

Option C is hence the correct answer.

Nainital Bank Clerk Mock Test - 1 - Question 19
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Direction: The sentences given in the question, when properly sequenced, form a coherent paragraph. Each sentence is labeled with a letter. Choose the most logical order of sentences from the given choices to construct a coherent paragraph.

A. Patrilineal ownership of lands and the culture of dowry attached to it have turned daughters into bad debts.

B. The control of such castes on local politics aggravates masculine hubris.

C. The bigotry of our village culture and polity is intrinsically linked to a control of land and agriculture.

D. Land makes certain castes ‘kingly’ in rural communities.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 19

Sentence C talks of the intolerance that marks the village culture and polity. We see that this is the main idea of the paragraph.

Sentence D talks of some castes being considered “kingly"? in rural communities. Sentence C talks of the control of “these castes"? on local politics and how it aggravates masculine pride. So C comes after D. Both of these sentences substantiate the idea of bigotry that is made by sentence C.

Sentence A talks of the patrilineal system of passing ownership of lands and system of linking dowry to land ownership turning daughters to be regarded as “bad debts"?. This sentence substantiates the point make by sentence C.

The question is " Arrange the sentences in the correct order "
The order is CDBA

Hence, the answer is CDBA
Choice C is the correct answer.

Nainital Bank Clerk Mock Test - 1 - Question 20
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Direction: Read the following passage carefully and answer the question given below. Some words are printed in underline in order to help you locate them while answering some of the questions.

The catastrophic monsoon floods in Kerala and parts of Karnataka have revived the debate on whether political expediency trumped science. Seven years ago, the Western Ghats Ecology Expert Panel issued recommendations for the preservation of the fragile western peninsular region. Madhav Gadgil, who chaired the Union Environment Ministry’s WGEEP, has said the recent havoc in Kerala is a consequence of short-sighted policymaking, and warned that Goa may also be in the line of nature’s fury. The State governments that are mainly responsible for the Western Ghats — Kerala, Karnataka, Tamil Nadu, Goa and Maharashtra — must go back to the drawing table with the reports of both the Gadgil Committee and the Kasturirangan Committee, which was set up to examine the WGEEP report. The task before them is to initiate correctives to environmental policy decisions. This is not going to be easy, given the need to balance human development pressures with stronger protection of the Western Ghats ecology. The issue of allowing extractive industries such as quarrying and mining to operate is arguably the most contentious. A way out could be to create the regulatory framework that was proposed by the Gadgil panel, in the form of an apex Western Ghats Ecology Authority and the State-level units, under the Environment (Protection) Act, and to adopt the zoning system that it proposed. This can keep incompatible activities out of the Ecologically Sensitive Zones (ESZs).

At issue in the Western Ghats — spread over 1,29,037 sq km according to the WGEEP estimate and 1,64,280 sq km as per the Kasturirangan panel — is the calculation of what constitutes the sensitive core and what activities can be carried out there. The entire system is globally acknowledged as a biodiversity hotspot. But population estimates for the sensitive zones vary greatly, based on interpretations of the ESZs. In Kerala, for instance, one expert assessment says 39 lakh households are in the ESZs outlined by the WGEEP, but the figure drops sharply to four lakh households for a smaller area of zones identified by the Kasturirangan panel. The goal has to be sustainable development for the Ghats as a whole. The role of big hydroelectric dams, built during an era of rising power demand and deficits, must now be considered afresh and proposals for new ones dropped. Other low-impact forms of green energy led by solar power are available. A moratorium on quarrying and mining in the identified sensitive zones, in Kerala and also other States, is necessary to assess their environmental impact. Kerala’s Finance Minister, Thomas Isaac, has acknowledged the need to review decisions affecting the environment, in the wake of the floods. Public consultation on the expert reports that includes people’s representatives will find greater resonance now, and help chart a sustainable path ahead.

Q. Which among the following should be the course of action of the government in order to ensure that the Western Ghats Area is preserved properly?

I. There should be utilization of various clean sources of energy such as the solar power in the area
II. There should not be any restriction in mining activities as well as quarrying activities in the area
III. There should not be new construction of hydroelectric dams in the area from now onwards
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 20

Refer to, “The role of big hydroelectric dams, built during an era of rising power demand and deficits, must now be considered afresh and proposals for new ones dropped. Other low-impact forms of green energy led by solar power are available. A moratorium on quarrying and mining in the identified sensitive zones, in Kerala and also other States, is necessary to assess their environmental impact.”

It is clear that in order to preserve the Western Ghats Area, the solar energy should be promoted in the area along with moratorium on the mining and quarrying activities in the area. Apart from that, there should be restriction on construction of new hydroelectric power dams in the area. This makes statements I and III true.
Hence, Option C is the right choice among the given options.

Nainital Bank Clerk Mock Test - 1 - Question 21
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In India, the concept of single citizenship is adopted from –
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 21

The Indian Constitution borrowed such features as parliamentary form of government, introduction of Speaker and his role, the concept of single citizenship, the Rule of law, procedure of lawmaking, etc from England. The Indian citizenship and nationality law and the Constitution of India provide single citizenship for all of India.

Nainital Bank Clerk Mock Test - 1 - Question 22
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Who founded the Maratha Kingdom in the 17th century CE?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 22

The Maratha Empire was founded by the Maratha warrior-hero Chhatrapati Shivaji Maharaj, in the late 17th century. The Marathas are credited to a large extent for ending Mughal rule in India. Chhatrapati Shivaji was an aristocrat of the Bhosale clan.

Nainital Bank Clerk Mock Test - 1 - Question 23
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The gold standard system of exchange rate lost its importance during
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 23

Gold standard start to loose its importance during 1920s, post the world war and rising prices of gold around the globe.

Nainital Bank Clerk Mock Test - 1 - Question 24
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Devaluation of currency is a component of _______ exchange rate system.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 24

Devaluation refers to the decrease in the value of domestic currency as planned by the government under fixed exchange rate.

Nainital Bank Clerk Mock Test - 1 - Question 25
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Which committee recommended setting up the Reserve Bank of India?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 25

The Reserve Bank of India was set up based on the recommendations of the Hilton Young Commission.

Nainital Bank Clerk Mock Test - 1 - Question 26
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Which of the following committees is related to Financial Inclusion?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 26
  • Government of India had set up a committee in 2006 whose chairman was Dr. C. Rangarajan to study the pattern of exclusion from access to financial services throughout the region, gender, and occupational mechanism and to identify the barriers confronted by vulnerable individuals in accessing credit and financial services and suggest the steps required for financial inclusion. The committee submitted its report in January 2008.
  • According to the committee, Financial inclusion may be defined as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups like weaker sections and groups with low income at an affordable cost.
Nainital Bank Clerk Mock Test - 1 - Question 27
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__________ is a classification used by financial institutions for loans and advances on which the principal is past due and on which no interest payments have been made for some time.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 27

Non-Performing Asset is a classification used by financial institutions for loans and advances on which the principal is past due and on which no interest payments have been made for some time.

Nainital Bank Clerk Mock Test - 1 - Question 28
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________ is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller.
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 28

The automated Teller Machine is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller.

Nainital Bank Clerk Mock Test - 1 - Question 29
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Real-Time Gross Settlement is a funds transfer system where money is moved from one bank to another in ‘real-time’, and on a gross basis and this system is available on all days on a 24x7x365 basis. When was it introduced?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 29

RTGS is a funds transfer system where money is moved from one bank to another in ‘real-time’ and on a gross basis. It is not subjected to a waiting period. It was introduced by RBI in 2004. The system is available on all days on a 24x7x365 basis. The RTGS system is primarily meant for large value transactions.

Nainital Bank Clerk Mock Test - 1 - Question 30
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Who introduced the Jan Vishwas (Amendment of Provisions) Bill, 2023 in the Lok Sabha?
Detailed Solution for Nainital Bank Clerk Mock Test - 1 - Question 30

The Jan Vishwas (Amendment of Provisions) Bill, 2023, was introduced in the Lok Sabha by Commerce and Industry Minister Piyush Goyal. The bill aimed to address the criminalization of minor offenses by proposing amendments to various acts. After being referred to a Joint Parliamentary Committee, chaired by Mr. P.P. Chaudhary, the committee submitted its report on March 17, 2023, which formed the basis for further amendments and approval by the union cabinet.

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