Bank PO / Clerk / RBI - MCQ Practice Questions

RBI's Current Account and Savings Account (CASA) ratio benchmark for banks is typically aimed at achieving what percentage?

A bank's loan portfolio shows: Retail advances ₹2,50,000 cr, Corporate advances ₹3,50,000 cr, Agriculture ₹1,50,000 cr. What is the retail advance percentage?

Which of the following is NOT covered under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

A bank's Return on Assets (ROA) improved from 0.8% to 1.1% while Return on Equity (ROE) remained at 12%. What can be inferred?

Under Priority Sector Lending norms, what is the minimum percentage banks must lend to agriculture as of 2024?

A bank identifies a stressed asset with ₹10 crore outstanding. It makes a provision of 60%. Later, it recovers ₹2 crore. What is the net impact on profit & loss?

Which RBI circular (2024) introduced the Liquidity Coverage Ratio (LCR) requirement for Scheduled Commercial Banks?

A customer avails a ₹25 lakh home loan at 7.2% p.a. for 20 years (EMI basis). Approximately what will be the total interest paid?

What is the maximum limit for coverage under the Deposit Insurance and Credit Guarantee Corporation (DICGC) as per 2024 regulations?

A bank's Cost-to-Income ratio improved from 52% to 48%. What does this indicate about operational efficiency?

Under RBI's Structured Data Standards (SDS), which banking data must all scheduled banks submit digitally by 2025?

A bank's Loan-to-Deposit (LTD) ratio increased from 78% to 85%. Which statement is MOST accurate?

What is the current reverse repo rate as per RBI's monetary policy stance for 2024-2025?

A bank grants a ₹20 lakh personal loan at 10.5% p.a. simple interest for 3 years. What is the total amount to be repaid?

Which regulatory measure is RBI NOT directly responsible for in Indian banking supervision?

A bank's Gross NPA declined from 4.2% to 3.1%, while Slippage ratio increased from 2.8% to 3.5%. What is the likely scenario?

Under the Basel III framework, what is the maximum leverage ratio (Tier 1 capital to total assets) for Indian banks as mandated by RBI in 2024?

A bank's Capital Adequacy Ratio (CAR) stands at 14.5%. Under Basel III norms, what is the minimum required CAR for Scheduled Commercial Banks?

If a customer deposits ₹5 lakh in a scheduled bank and the bank fails, what is the maximum amount covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme as of 2024?

A bank's Net Interest Margin (NIM) is 3.2%. Which statement correctly interprets NIM?