Po To 2017 - Third Branch Assessment - Aspire To Fly

ASPIRE TO FLY-2.
0
(For Third Branch Assessment Test of PO/TO 2017- Marketing and Technology)
Compiled by: -
Kamal Dev Yadav
Trainee Officer
(2017 Batch)
State Bank of India
Mysore Zone (AO-4)
Bengaluru Circle
Dated: 13th April, 2019
For feedback and suggestion for content, your emails are welcomed: kamal.yadav3@outlook.com or
kamal.yadav3@sbi.co.in
Aspire to fly 2.0 for Third Branch Assessment Test of PO/TO 2017 Batch 1
TECHNOLOGY
SN One Liner
1. Mobile Banking is an example of Digital Banking.
2. Digital Banking has brought revolutionary changes in Retail Banking.
3 User Experience is the base upon which digital banking is built.
4. The Information Technology Act 2000 came into force on 17th October.
5. PKI with respect to IT Act 2000 stands for Public Key Infrastructure.
6. The IT Act 2000 is applicable in entire India including Jammu & Kashmir and Meghalaya.
7. Section 3 of IT Act 2000 deals with Digital Signature.
8. The penalty for publishing false Digital Signature imprisonment up to 2 years and fine up Rs. 1 lac.
9. The penalty for failure to maintain books of account or records prescribed Penalty of up to Rs.
10,000/- per day of failure.
10. The orders of Controller of Certifying Authorities (CCA) and AO can be challenged first in Cyber
Appellate Tribunal.
11. the time available for the aggrieved person to appeal before the High Court against the decision of
the Cyber Appellate Tribunal (CyAT) is 60 Days.
12. The office of Controller of Certifying Authorities (CCA) came into existence on 1st November 2000.
13. IT Act 2000, the word “RECORDS” has been defined under section 35.
14. IT Act 2000, the word “Entries in Books of Account” has been defined under section 34.
15. Reserve Bank of India has been granted the regulatory power under section 58 of RBI Act 1934.
16. In November 2005, RBI took initiative to introduce electronic fund transfer (EFT)
17. Magnetic Ink Character Recognition (MICR) codes contains 9 (Nine) digits.
18. The first three digits represent in MICR Code is City.
19. The percentage of incentive has been announced by Government of India to promote BHIM Aadhar
based payment (Biometric merchant transaction up to Rs. 2000/-) is 0.50% of transaction value.
20. Rs. 1,000/- as a cash back can be earned by a merchant in a month in BHIM Cashback scheme.
21. The name of programme organised by Common Service Centre (CSC) for Digital Financial Inclusion
Awareness & Access is Digital Jagriti.
22. The DigiShala educational programme is available on Free Door Darshan DTH educational channel.
23. The Ministry of Electronics & Information Technology (MeitY) department of Government of India is
promoting Digital Transaction in India.
24. The amount of exemption in service charges available to the customer for making payment using
debit/credit card of all journey ticket booked at UTS counter is Rs. 30/-.
25. The discount available for making payment through online for booking of retiring room is 5%.
26. 10% and 8% of incentive can be given by Public Sector Insurance Companies for General Insurance
and life insurance if the insurance is sold through customer portal and payment made by digital
mode of transaction.
27. The percentage of benefit from 8% to 6% can be given in Income Tax on digital turnover for small
business u/s 44AD of IT Act 1961.
28. The toll-free Helpline number available for Digital payment is 14444.
29. Up to transaction of Rs. 2000/-, RBI has given a relaxation on additional factor authentication
30. The concession has been provided to the merchant for who are accepting payment through BHARAT
QR is 0.10%.
31 The maximum aggregate limit in deposit account opened using OTP based e-KYC is Rupees One Lac.
32. The type of loan and limit of amount that can be sanctioned to the account holder whose account
is opened using OTP based e-KYC is Term Loan, Rs. 0.60Lac.
33. The validity of deposit or borrowal account opened using OTP based e-KYC is One Year.
34. The maximum number of accounts that can be opened using OTP based e-KYC is One.
35. Digital Account opening in SBI through OTP based e-KYC facility is developed by Project Lotus.
36. The CKYC had been set up by Government of India in July 2016.
37. CERSAI has been notified to act as a nodal agency to perform the function of CKYCR.
38. The maximum time available to the Banks to file an e-copy of customer’s KYC after account-based
relationship is three days.
39. GITC Belapur advise the generated CKYC number to the State Bank customer.
40. Account opened on “YONO”; the physical copies of forms will be sent to Document Archival Centre
(DAC).
41. Thirty-Seven fields are there in Account Opening Form (AOF) in Digital Saving Account.
42. In CRM, a teller can see the 360-degree view of a customer.
43. 15 Days will be as TAT for CRM Leads as “Docs Collected & Verified”.
44. No maximum time lag has been stipulated in period between case creation & docs collected stage.
45. There are five variants of CINB.
46. Saral is version of CINB is with a single user based with transaction right.
47. The maximum fund transfer limit to third party in Saral is Rs. 10.00 lacs.
48. The merchant payment limit in Saral is Rs. 25.00 Lacs.
49. The transaction limit in CINB-Saral for own accounts (same CIF) is Rs. 2.00 Crores.
50. The transaction limit in CINB-Saral to participate in e-auction for Govt. Department Rs. 1.00 Crore.
51. The per day transaction limit in CINB-Saral to make payment to Govt. Or Semi Govt. like ESIC, EPF is
Rs. 2.00 Crores.
52. The single transaction limit in Vyapaar CINB is Rs. 50.00 Lacs.
53. The single transaction limit in Vistaar CINB is Rs. 500.00 Crores.
54. There are two variants of CINB, which is having no transaction right. (Khata & Khata Plus)
55. The Card issuing bank is called issuer in terms of Merchant Acquiring Business (MAB).
56. The Bank, who deploys the POS/EDC machine at the merchant’s outlet is called acquirer.
57. The cash withdrawal limit at Cash@POS at Urban or Metro centre is Rs. 1,000/-.
58. the cash withdrawal limit at Cash@POS at RUSU centre is Rs. 2,000/-
59. Regional Admin creates the Branch Admin user id in MAB Workflow.
60. MAB Approver send the of MAB application to TSP.
61. Circle Admin create / reset the password or unlock the user.
62. Up to seven days, the transaction data report shows at a time.
63. The Monthly Service Fees/ rental to be paid by the merchant for BHARAT QR is nil.
64. The commitment charge applicable on BHARAT QR to Merchant is nil.
65. The MDR for Bharat QR for transaction up to Rs. 2000/- is 0.25% of transaction value.
66. The MDR for Bharat QR for transaction of above Rs. 2000/- is 0.65% of the transaction value.
67. SBI FASTag is the name of product, launched by SBI for electronic toll collection.
68. The issuance fee for SBI FASTag is Rs. 2,000/-.
69. The maximum limit of amount that can be held in a limited KYC FASTag Account is Rs, 10,000/-
70. The maximum limit of amount that can be held in a full KYC FASTag Account is Rs. 100,000/-
71. The Retail Internet Banking (RINB) was launched by SBI in the year 2001.
72. The approximate cost for per transaction in RINB is fifty paise only.
73. The online registration started for Retail Internet Banking (RINB) in SBI in the year 2015.
74. The MMID is having seven digits.
75. There is no fee for sending amount up to Rs. 1,000/- using IMPS services of NCPI.
76. SBi Appkart is the name of app that has the link of various app of SBI at a place.
77. It is possible to do the TDS enquiry in State Bank Samadhan app.
78. The per day and per transaction limit of BHIM SBI PAY is Rs. 10,000/-
79. The number of modes available for making payment in BHIM SBI Pay is three presently (VPA, A/c &
IFSC and QR based).
80. The maximum number of transaction history can be viewed in BHIM SBI PAY is 20.
81. The designated email id for complaint /feedback for BHIM SBI PAY is support.upi@sbi.co.in.
82. With reference to BHARAT QR, the QR stands for Quick Response.
83. Two options(modes) are available to login in Bharat QR for SBI customer. (INB & Debit Card)
84. NUUP supports 13 major Indian Languages.
85. *99# is the USSD based code to access the NUUP facility.
86. 9223440000 is the number, where we need to send SMS for SMS Banking in SBI.
87. Rs. 5,000/- & Rs. 25,000/-is per day & per calendar month transaction limit in SMS Banking
88. The designated email id for complaint /feedback for SBI Quick is help.sbi@sbi.co.in.
89. The designated email id for complaint /feedback for GCC is gcc.helpdesk@sbi.co.in.
90. Green Remittance Card issuance charges is Rs. 20/-.
91. The validity of State Bank Foreign Travel Card (SBFTC) is Ten Years.
92. The State Bank Foreign Travel Card is available is available in eight major foreign currencies.
93. Two add-on cards can be issued in State Bank Foreign Travel Card.
94. State Bank Foreign Travel Card can be issued to any person going abroad except Nepal and Bhutan.
95. Rs, 50,000/- can be loaded in State Bank EZ-Pay Card in a month.
96. The minimum Rs. 100/- can be loaded in State Bank EZ-Pay Card .
97. The card issuance charge for State Bank Imprest Card is Rs. 75/- (since withdrawn)
98. The maximum amount that can be loaded in State Bank Gift Card is Rs, 10,000/-
99. SBI Quick app is an app version of missed call Banking.
100. ATM Cardholder cannot block his Card through the app named SBI Samadhan.
101. Mrs. Vandana is a retired teacher and sceptical about the doing the transaction in digital mode. She
wants to have only enquiry-based apps to view the transaction/balances in his accounts. Which
is/are the apps you will suggest, which suits his requirement – SBI Quick or SBI Anywhere with enquiry
rights.
102. For availing Green Remittance Card facility, customer doesn’t require opening of account with us.
103. Mr. Narendra, a migrant labour wants to send some money to his wife at his native place. He does
not have any Bank account. What option he has to send the money?
He can send money using SBI GRC card.
104. A customer is holding the Green Remit card since last 7 years. Can he use the card for transaction
now? –
Yes, he can use the card for further 3 years.
105. Using SBI DigiVoucher , one can do many transaction like Cash deposit in SB A/c, NEFT/RTGS using
SBI account cheque and Purchase request for Demand Draft.
106. What is the validity of Green Remit Card from the date of issue? – It is Ten Years
107. Using SBI Samadhan, one can do enquiry for Car Loan, Housing Loan and Education Loan and many
other services can be availed.
108. In CRM, for Asset products which of the following roles available- Branch Manager, Relationship
Manager & Leads Advances.
109. In CRM, the duplicate leads are assigned to Branch Manager (BM) for his/her approval is Assets and
Liabilities.
110. In CRM, all deposits are known as liability.
111. The lead ratings are Cold, warm and hot.
112. Branch walk in and referral, both are the source of leads generation.
113. In CRM, for liabilities products the following roles available Branch Manager, Relationship Manager
and Customer Relationship Officer.
114. If a customer is interested and walks in the Branch with partial or no documents the lead can be
created as Follow up.
115. The CRM app can be accessed by SBI Staff and SBI Call Centre employees.
116. After the documentation stage it will be change the status code of the Lead to Documents Collected.
117. Automated reminders and escalations, System facilitated follow-ups and appointment dates, End to
end life cycle management, these are the steps involved in CRM application.
118. If the duplicate lead exists, following steps are involved as Ignore and create lead or Edit the existing
lead.
119. The lead is disqualified or cancelled If the lead is not interested in moving forward.
120. The four main stages in lead management process are Initiate, Qualify, Process and Fulfil.
121. The role to which the Deputy Branch Manager is mapped in the CRM application is Branch Manager.
122. The role of Senior Marketing Executive of SBI in CRM is Branch Manager.
123. The TAT of the processing the deceased claim from the day the case status changes to “Documents
collected and verified” is 15 working days.
124. Some of the advantage are of using Credit/Debit cards by a cardholder for payment at the merchant
locations, like need not carry cash, earning of Reward points and saves Time/Money in visiting the
Branch/ATM to withdraw the cash.
125. These are the following advantage for an Acquiring Bank to provide PoS machines to its current account
business customers, Reduced cost of transaction, Higher CASA deposits and De-cluttering of branches
and ATMs.
126. Miss Sangeeta, a cybercrime victim, worried to use the ATM because, PIN Pads may carry key loggers,
which will collect the PIN information of the customers. How do you convince her?
She can be advised that the PIN pads are normally vandal proof, i.e. it cannot be tampered with easily.
127. Mr. Surojit, an HNI customer has received an SMS to his mobile phone, informing him that, he had won
$1 mn in RBI lottery, asking him to access a website and furnish his account details therein. He shows
this message to you asks for your advice?
Ask Mr. Surojit to ignore such messages as it is an attempt to defraud.
128 An ATM Cloning fraud was committed and proved. As per SOP, our Bank has reimbursed the loss to the
customer. Can the Bank be insured for such losses?
Yes, if we follow the Data Security Standards of PCI DSC
129. The main purpose of any ATM fraud is financial gain.
130. Hacking of ATMs type of fraud may affect the Bank.
131. The best practice for combination key management:
o -combination key has to be changed at least once in 6 months.

o -combination key has to be kept in a sealed cover and kept as a Branch Document.
o -combination key has to be memorised but should not be written down anywhere.
132. The practices for cash verification in ATM
o -Cash verification has to be done on daily basis by the joint custodians

o -Cash verification has to be done by one officer, other than the joint custodians once in a month
o -Cash Verification other than by joint custodians must have surprise element
133. Mr. Narendra, Service Manager has generated an ATM Cash Replenishment entry wrong entry for Rs.30
lakhs, instead for Rs.20 lakhs. How can rectify the entry through CBS?
Generate “Cash Replenishment Correction” entry for Rs.30 lakhs and generate a new “Cash
Replenishment” entry for Rs.20 lakhs
134. Miss Sangeeta, Branch Manager was verifying the Audit BGL Account Report. Her branch is having two
onsite ATMs. She found that, there was a Debit Balance of Rs.10,000/- in ATM Excess Cash Found
Account. What is the action to be initiated?
Ask the joint custodians to credit the cash immediately to 3199845 Account and ask for explanation for
not depositing the cash the previous day
135. The limit of ATM Cash is forty lacs.
136. The general capacity of each bin in ATM Machine 2500 Notes.
137. ATMs wise account is being maintained by ATM Switch Centre (ASC).
138. CRA stands for, with reference to ATM, Cash Replenishment Agency.
139. CRM application was launched in SBI in the year 2014.
140. The ceiling of FXOUT is $500 USD.
141. The maximum FXOUT transaction permissible in a month four.
142. The validity for claiming for mCash is 21 days.
143. The eligibility criterion for SBI Exclusif is 30 Lacs Deposit, Housing Loan limit with 1 crore or Minimum
monthly income Rs. 2.00 Lacs any one of these.
144. There is no maximum ceiling for making tax payment in RINB.
145. The maximum limit for SBI Card payment in Bill Payment option of RINB in a month is Rs. 1,00,000/-.
146. Three beneficiaries can be added in a single day in RINB.
147. Zonal Admin role is not available in MAB.
148. Card Schemes that provides card payment network, facilitate clearing and settlement such as
VISA/MasterCard/RuPay etc.
149. State Bank Group Debit Card is swiped on SBI PoS terminals is called on-us Transaction in the context of
MAB.
150. The incentive paid by the Acquiring Bank to the Issuing Bank for promoting payment through card is
called Interchange.
151. The commission charged by the acquirer to the merchant or service provider. It is also termed as
Merchant Service Fee (MSF) is called Merchant Discount Rate (MDR).
152. The acronym of “CORE' is Centralised Online Real-time Environment
153. There are 23 batches of NEFT in a day.
154. Positive Pay is feature of ICICI Bank’s mobile app enables transfer of image of the cheque issued by a
customer to the bank.
155. RAM stands for Random Access Memory.
156. The RE stands for Regulated Entities in the context of CKYCR.
157. Existing customer of Banks will be covered in Phase II of CKYCR.
158. CKYC is applicable to all types of accounts such as Deposits & Loans including Contingent Liability
accounts (LC/BG), etc. where new individual CIF has been created in CBS post rollout date.
159. Part I contains Customer Information and Part II has Account details in Account Opening Forms (CKYC
Forms. )
160. URL for CKYC Dashboard is https://sbickyc.sbi/CKYCDashboard.
161. URL for CKYC Interface for LCPC is https://sbickyc.sbi/CKYC.
162. POI stands for Proof of Identity in the context of CKYCR.
163. There are 34 Documents Archival Centre (DAC) of State Bank of India.
164. The documents of the accounts opened in a week should be sent to DAC on next Monday or first working
day of the coming week
165. The TAT for confirmation of receipt of AOF is same day of delivery of forms to DAC.
166. The DMS stands for Document Management System in the context of YONO account opening process.
167. The XML stands for Extended Mark-up Language in the context of YONO account opening process.
168. The Checker for DMS requests will be the official with CBS capability level 9 in the operating units
169. For viewing/ downloading/ printing of documents, the branch staff with capability level of 5 and above
(Maker) will send a request which will be authorized by the Checker.
170. The DAU stands for Dedicated Accounting Unit with respect to Project Lotus.
171. All the reconciliation related to YONO platform work will be handled by the Lotus DAU.
172. Outlook 365 offers host of services like Outlook Mail, Outlook Calendar, Outlook People, and Outlook
Tasks, OneDrive for Business, SharePoint Online, Microsoft Teams, and Skype for Business, Outlook
Online, Delve, Sway, Dynamics 365 etc
173. Sway allows to combine text and media to create a presentable website. Users can pull content locally
from the device in use, or from internet sources such as Google, Facebook, OneDrive, and YouTube.
174. Office Delve allows Office 365 users to search and manage their emails, meetings, contacts, social
networks and documents stored on OneDrive or Sites in Office 365
175. OneNote – OneNote is an electronic way of taking notes. You can draw, write, type, and take screen
grabs, and record audio, all on one platform. OneNote is a great tool for those who are visual note
takers, or just like to keep their notes stored digitally. You can even share your notes with other
OneNote users
176. The maximum size of One Drive is 10 GB.
177. The Airwatch Agent (new name: Intelligent Hub) provides the facility to work from anywhere to staff.
178. The BYOD stands for Bring Your Own Device with reference to EMM/Workspace.
179. The EMM stands for Enterprise Mobility Management.
180. Only SBI staff can be the user of SBI EMM.
181. EMM can be accessed using ADS credentials.
182. The helpdesk for EMM related issue is located at GITC and Corporate Centre.
183. Up to Rs 1 Lacs through SBI ATMs and shop for up to Rs 2 Lacs at various POS machines present at
merchant establishments for SBI Digital Saving Account.
184. A Personal Accident Insurance (Death Cover) of Rs 5 Lacs is a benefit available with Platinum Debit Card
issued by Bank for SBI Digital Saving Account.
185. The frequency for updating of KYC is same as other normal accounts.
186. Platinum Debit Card (Digital Saving Account) Annual maintenance charges of Rs. 250/- + applicable taxes
but will not be applicable for those accounts with quarterly average balance of Rs. 25,000/- and above.
187. The URL for CRM is https://crm.sbi.co.in.
188. To access CRM, we need to use: Username: Domain name\<PF ID number> Password: < ads password>
189. o Profile card -Displays the key details about the customer
o Recent Transactions Card: Displays all the products used/purchased by the customer
o Attachments Card: Displays and enables upload of documents related to the customer, such as
ID
o d. Leads card: Lists the leads obtained from channels such as, OCAS and SBI’s website, along
with the lead ID, product details, current status, and date and time of creation.
190. Nodal officer has authority for bulk upload of leads in CRMNEXT.
191. Hot Lead meaning Customer interest level is “High”
Warm Lead meaning Customer interest level is “Medium”
Cold Lead meaning Customer interest level is “Low”
192. There are twenty LOS SME product available through CRM, which is processed based on threshold
amount.
193. We can save a lead as junk lead in the following states:
Unattended leads
Contacted leads
Document received
Initiate processing
Submitted for sanction

194. From ‘Docs Collected’ stage onwards, all the process mandatory fields become mandatory.
195. ATM cash Intermediate account (BGL No : 3199842)
ATM cash Admin Decrease Account (BGL No : 3199843)
ATM Excess cash Account (BGL No : 3199844)
ATM Excess cash found Account (BGL No : 3199845)
ATM Short Cash Account (BGL No. 4599274)
196. When Excess Cash found amount is deposited at the Branch
Menu: ATM “Adjustment of ATM Excess Cash”
The following entries will be posted: -
Dr Branch Cash Balance Ac 98903 (at EOD)
Cr ATM Excess Cash Found Ac 3199845
197. Excess Cash Found in ATM is to be deposited at the Branch to reverse the outstanding in ATM Excess
Cash Found Account 3199845.
198. ATM Excess Cash Found Account 3199844, which acts as a Sundry Deposit Account is not accessible to
the Branch Operating Staff.
199. Entries Generated in the ATM Cash Intermediate Account 3199842, have to be reversed within 3
working days. (T+2).
200. If some cash is left with custodians, without replenishment, this can be deposited at the Branch by
crediting the ATM Cash Intermediate Account 3199842 as a cash receipt.
201. Bank has centralized ATM related financial complaints at GITC in a phased manner with effect from
01.05.2014.
202. Routing of “on-us” complaints to GITC instead of home branch of customers. Accordingly, “on-us”
complaints tickets will have branch code ‘4292’ instead of home branch code.
203. A new e-mail id sbi.cms@sbi.co.in is created for issues pertaining to “onus” complaints.
204. A customer can deposit up to a maximum of Rs.49900/- per transaction in Cash Deposit Machine (CDM)
with denomination of Rs. 2000/- , Rs. 500/- , Rs. 200/- and Rs. 100/- and maximum of 200 pieces of
notes (50 notes for HCL CDMs.).
205. In CDM along with cash deposit other options are also there like Balance Enquiry, Mini Statement and
PIN Change.
206. Accounting Entries for Cash Deposits in CDM
The following accounting entries for the CDM will be done:
Cash deposit by customer
o Debit: 3198 (ATM / CDM Cash BGL Account)
o Credit: Customer Account
207. There are four cassettes available in all major CDMs.
208. In CDM, journal is preserved as soft copy instead of hard copy.
209. To ensure that the Journal Print Log or eJ (where "Thermal Paper" is used for Journal Printing) is
preserved at the Branch for a period of 8 years.
210. To ensure that the entries in suspense account on account of customer complaint settlement done are
zeroed by making reconciliation.
211. Ensure that Admin Balance of the ATM / CDM / CASHPOINT is agreeing with the balance available in
the BGL Account 3198 of the respective ATM / CDM / CASHPOINT.
212. Five new BGL accounts have been opened for new accounting process;
a. ATM cash Intermediate account (BGL No : 3199842)
b. ATM cash Admin Decrease Account (BGL No : 3199843)
c. ATM Excess cash Account (BGL No : 3199844)
d. ATM Excess cash found Account (BGL No : 3199845)
e. ATM Short Cash Account (BGL No. 4599274)
213. Only the official at CMS Department, GITC are authorised to pass the entries in ATM Cash Balance 3198
214. The responsibility of reconciling the Admin Balance with the ATM Cash Balance Account 3198 has been
with GITC team.
215. As per IT Act 2000, the attribution of electronic message is to link an electronic message or transaction
to its originator in a way that the originator is prevented from repudiating it.
216. IT act 2000 does not have any jurisdiction over Negotiable Instruments.
217. An email sent by the originator is deemed to have been dispatched at the time it enters the email server
of the addressee with regard to time of dispatch of e-mail as per IT act 2000.
218. An electronic record is deemed to have been received at the place where the addressee has his place
of business with regard to place of receipt as per IT act for electronic record.
219. A person was caught tampering with computer source code may be punished for imprisonment of up
to 3 years and/or fine of up to Rs. 2 lakhs.
220. RBI was empowered to introduce EFT infrastructure in our country facilitating Electronic Funds Transfer
between banks and Financial Institutions after the certain amendment of RBI Act 1934 on account of IT
Act 2000.
221. For generating the e-KYC certificate, the frontline staff has to use the e-KYC application through CBS
under Apps menu.
222. The data of Demographic and Photo can be captured through eKYC application of any individual already
enrolled for Aadhar.
223. If someone is unwilling to share his/her biometric data for opening of account, the same be
compensated by using Aadhar OTP based Account opening.
224. The aggregate Balance of all the accounts of the customer can be maximum of Rs. One Lac when
accounts are opened with e-KYC using OTP
225. Aadhar is accepted all over India but not accepted internationally.
226. The e-KYC data contains a unique transaction code which is Unique number allotted for every
transaction.
227. E-KYC is treated as officially valid documents and also compliant with Information Technology Act 2000
Prevention of Money Laundering Act ,2002.
228. The mandatory requirements for opening the accounts using E-KYC are Terminal / desktop of the branch
attached with fingerprint based biometric scanner.
229. The technology in e-KYC ensure that any tampering of data in transit is detected, this is compliance of
Section 3 of IT Act, 2000.
230. The e-KYC data is sent in encrypted form which ensure only intended service provided can read the
data given by UIDAI. This is in compliance with Section 14 of IT Act, 2000.
231. The purpose of unique transaction code in e-KYC is for electronic audit.
232. The e-KYC electronic record provided by UIDAI is equivalent to Aadhaar Letter as given in Section 4 of
IT Act, 2000.
233. Biometric Authentication of the Customer is required for only one finger for generating eKYC Certificate.
234. E-KYC with the help of OTP has been Introduced by RBI on 12th August 2016.
235. Only Credits transaction are permitted in the accounts, before second validation is done by LCPC.
236. In view of PMLA notification, the KYC documents which is mandatorily obtained for opening accounts
is Aadhar and PAN.
237. The target customers for YONO is the customer of aged 18 years and above, who are also tech-savvy.
238. Goal Based My Dreams is going to help the above customer in YONO in many ways such as the facility
for creating a basket of savings by the customer for a certain goal, Customer will be allowed to set more
than one Goal also. Initially, we will allow the user to open an online e-RD account. And For creating a
new and/or linking of existing products like fixed deposits or mutual fund investment products to a
dream is proposed with flexibility in nature.
239. Insta Account holder can open FDs, RDs etc., up to 1.00 Lac altogether the balance per CIF should not
exceeds Rs. 1.00 Lac.
240. No loan will be sanctioned to any customer until she/he completes the Full KYC and upgrades her/his
CIF, Account type to a regular category.
241. There is no minimum balance requirement Digital Saving Bank Account.
242. The cheques book for Digital Saving Account will be issued to the customer up to Rs. 10 per leaf.
243. If the committee assigns the leads to respective Corporate centres the GMs assigns to various AMTs for
action on the lead, the status code of the lead Awaiting Approval.
244. The Profile card contains customer’s basic details are segregated as card wise like summary, contact
info and Interest.
245. Corporate User has forgotten the login password, the same can be reissued by doing such in branch
interface - INB Maker should login --> Requests --> Re-issue Login Password then INB Checker should
login -->Approve --> Re-issue Login Password.
246. Corporate Administrator has forgotten his Profile Password the same can be reissued by doing such in
branch interface INB maker should login --> Corporate --> Reset Corp Profile Password then INB Checker
should login --> Approve --> click on Reset Corporate Profile Password.
247. The Document required for PPK request by the User in CINB is form C7.
248. The document is required for Re- issue login password for CINB User is form C7a.
249. The INB maker creates the Corporate ID in Branch Interface and the same is verified by the Branch
Interface Checker.
250. Saral, Vyapaar & Vistaar is the CINB product having transaction right whereas Khata and Khata Plus is
having only enquiry right.
251. Saral and Khata is a single user whereas Vyapaar, Vistaar and Khata Plus is multiuser CINB product.
252. There cannot be transaction right in Term Loan account under any variant of Internet Banking.
253. The SMS based onetime password (OTP) is mandatory for Third party addition, third party funds transfer,
changing the third-party limit transactions irrespective of the value of each transaction under CINB
Saral.
254. Corporate Regulator is mandatory in CINB VISTAAR.
255. For creation of a Corporate ID in CINB, the document C1 is required.
256. Digital Signature Certificate is an electronic format of physical or paper certificates and is like physical
certificates are drivers' licenses, passports.
257. Form C8 is a document for Acknowledgment of Receipt of PPK.
258. Digital Signature Certificate (DSC) required for when e-forms are required to be signed digitally using a
DSC or for securing electronic or digital transactions.
259. For the purpose of RFIDs, NHAI has divided all vehicles into 7 categories.
260. There is no minimum balance stipulation to SBI FASTag customer.
261. Sanction of loan cannot happen in Kiosk Banking.
262. To be eligible for availing Retail Internet Banking (RINB) facility independently, the applicant should
have completed 10 years of age. (PKPU)
263. To activate Retail Internet Banking (RINB) for NRI customers, PPKs can be issued by Foreign branches,
Managed Exchange Companies or Home Branch.
264. To ensure the onlinesbi site www.onlinesbi.com is secured or not, the user is required to check whether
the site is a secured with https protocol whether site information carries a padlock and Whether site is
verified by 'VeriSign.
265. The IFSC stands with reference to the payment and settlement system is Indian Financial System Code.
266. RTGS messages carried to RBI server after leaving the Participant Interface (PI) by INFINET.
267. SBI Anywhere app can be used any Java Enabled and Smart Phone.
268. The mPassbook is an electronic version of physical passbook where one can see maximum of latest 25
transactions.
269. The maximum number of accounts can be mapped with BHIM SBI Pay is 10.
270. The facilities available under SMS Banking is Enquiry Service, Mobile top-up, IMPS transfer.
271. In SMS Banking, SMS to be send to number 9223440000.
272. The maximum amount of issue for Achiever Card to State Bank Staff is Rs. 1,00,000/-
273. The reload permitted in Achiever Card is any number of times but within the maximum limit.
274. Imprest Card
o It is Variant of eZ Pay Card
o Only for Railway employees
o Minimum reload is Rs.100 per load and Maximum load is Rs.100000/-
275. The office 365 is the subscription-based bundle of productivity software and related applications
released by Microsoft in the year 2011.
276. The primary function of Microsoft Dynamics is customer relationship management software and the
product focus mainly on Sales, Marketing, and Service (help desk) sectors.
277. The main function of Microsoft Teams is to enable collaboration channels for public or private
communication, as well as voice and video conferences.
278. The function of Microsoft Delve allows Office 365 user to search and manage their emails, meetings,
contacts, social networks and documents stored on One Drive or Sites in Office 365.
279. “Sway” allows to combine text and media to create a presentable website. Users can pull content locally
from the device in use, or from interne sources such as Google, Facebook, OneDrive, and YouTube.
280. The utility of Microsoft Forms is an online survey creator. Forms allow educators to create surveys and
quizzes with automatic marking.
281. The main advantages of “one Note” we can draw, write, type, take screen grabs, and record audio, all
on one platform and share our notes with other OneNote users.
282. The main features of Outlook Client (PC) is Available: on all Wright State computers and as a free
installation to all WSU faculty, staff, and students, Accessible: through your computer’s applications and
Provides: Complete functionality. Full-featured application with advanced options in Office 365.
283. In terms of Information Security CIA, the CIA stands for Confidentiality, Integrity and Availability.
284. Ensuring confidentiality in Information Security means information is available only to the authorised
employees on need to know basis.
285. Ensuring Availability in Information Security means keeping Information Assets as per commitment when
required.
286. Maintaining the Confidentiality, Integrity and Availability is a collective responsibility of all employees in
the Bank.
287. The major activities of the State Bank Security Operations Centre (SBSOC) to monitor users’ activities in
Internet, various applications programs installed in PCs/Servers and Check and identify virus infections if
any, in the network.
288. The best practice in using “Bluetooth” in your mobile only when you want to receive data from other
devices, switch on Bluetooth and keep it switch off always.
289. NEFT can be used to transfer funds from / to NRE and NRO accounts subject to FEMA regulations.
290. NEFT has both R41 (Customer to Customer) and R42 (Inter-Bank) type of payments option.
291. The maximum amount per transaction for cash-based remittances in respect of Indo-Nepal remittance
is Rs. 50,000/-.
292. A 16-character UTRN is generated on successful completion of NEFT / RTGS transactions the is UTR
stands for in the context of NEFT/RTGS is Unique Transaction Reference.
293. The NEFT system also facilitates one-way cross-border transfer of funds but to Nepal only.
294. OMP Online Marketplace in YONO
o OMP is a platform where one can access the world of online products anywhere, anytime.
o The user can browse a large range of products and services offered by various e-Commerce
partners, avail exclusive discounts and offers across categories and avail financing facility from
SBI.
o Customers can login with their Internet Banking credentials on the YONO app/portal and access
the “Shop” & “Book and Order” sections of OMP.
295. It necessary that the beneficiary has an account at the destination bank branch for sending NATIONAL
ELECTRONIC FUND TRANSFER (NEFT) but not necessary to have an account with sending Bank (with
limitation).
296. User ID of any RINB can be unlocked by (if locked for using incorrect credential) branch Interface user
or will be unblocked automatically by midnight 12:00am.
297. The best practise to avoid risk in ATM Card by deactivating the International Transactions, Reducing the
per day limit on cash withdrawal/POS / CNP transactions and Blocking the ATM / POS / CNP channels.
298. Effective way to prevent card skimming can be by Installing anti-skimming devices, Using of EMV chip-
based cards and Usage of Foreign Object Detection Technology.
299. While using Internet Banking in cybercafé, the best way is to use the virtual key board for logging into
Internet Banking site.
300. Change the password of the email immediately after coming out from cyber café to avoid the chances
of unauthorised uses of your email.
301 Lock the Desktop by pressing Windows+L keys together before leaving your counter.
302. These are the activities of the State Bank Security Operations Centre (SBSOC) to monitor users’ activities
in Internet, to monitor various applications /programs installed in PCs/Servers and to monitor and identify
virus infections if any, in the network.
303 Ensuring Availability in Information Security means keeping Information Assets as per commitment when
required.
304. The major features of Outlook Client (PC) 1. Available on all Wright State computers and as a free
installation to all WSU faculty, staff, and students,2. Accessible: through your computer’s applications
and 3. Provides: Complete functionality, Full-featured application with advanced options in Office 365.
305. The features of office 365 are outlook mail, outlook people and outlook task.
306. The office 365 is the subscription-based bundle of productivity software and related applications
released by Microsoft in the year 2011.
307. EMM stands for Enterprise Mobility Management.
308. When a complaint is received at CMS Department of GITC that account was debited and cash not
disbursed after verification of EJ Log, which shows that, it was an unsuccessful entry, with cash
dispensation errors. We can send “Excess Cash Found” Certificate on the 3rd working day and GITC
debit BGL 3199844 with complaint amount and credit Customer’s A/c.
309. If there is any delay is submitting the excess cash certificate beyond stipulated time in CMS complaint
then complainant must be compensated for the delay.
310. The benefits of Green Remit Card are no VVR checking required for transactions done by GRC, mapped
to a particular beneficiary account which is having remitter's credential and the card holder must not be
an account holder of the branch.
311. If ATM Cash is debited more than the replenishment amount the same can be reversed generating
excess cash found entry and credit the excess cash found account entry 3199845.
312. The best practices for cash verification in ATM are Cash verification has to be done on daily basis by the
joint custodians, Cash verification has to be done by one officer, other than the joint custodians once in
a month and Cash Verification other than by joint custodians must have surprise element.
313. Whenever any customer visits the branch with expired card, he can be advised to destroy the card
immediately.
314. When you have evacuated the cash from the CDM and decreasing the Admin Balance of a CDM, you
find that, the balance shown in supervisory slip is less than the physical cash then we should report
Excess Cash through the CDM Screen.
315. Customer has complained that, though he had attempted to withdraw cash for Rs.10000/- he could get
only Rs.8000/- with 16 notes of Rs.500/-. When you verify the EJ Log it shows the transaction as
successful. What is to be done to find out excess cash at ATM?
- Verify BROS Report.
316. While verifying the Upper Reject Box of CDM you found 2 notes of Rs.500 notes. After scrutiny you
found that they are genuine. What is your response?
Credit the amount to the Customer’s account as per the eJ Log.
317. The process of development, marketing, delivering, servicing and paying online for various products
and services and It is buying and selling of products or services over electronic system using internet
are called eCommerce.
318. The purposes of E-Handshake tie-up with merchants are e-Ticketing and Online Sales, e-Tendering and
e-Auction and Taxes, Educational Fee and Recruitment Fees.
319. Electronic Bill Presentment & Payment is one of the collection types under e-Commerce and available
in post log-in section of Internet Banking (post login of onlinesbi).
320. The basic requirements for enabling E-Handshake are merchant should submit the application on
prescribed format giving commercial and technical details of the proposed integration, have secured site
(SSL Certificate) 128-bit or more and Merchant’s Site should be audited by Cert-In empanelled auditors
(NIC in case of Govt.). Merchant has to confirm to the Bank that it has a policy of regular audits and
security testing of the website.
321. SBI e-Pay is the aggregator of service provides electronic connectivity with various Banks and financial
institutions on the one hand and merchants on the other and a facilitating e-Commerce/m-Commerce
transaction between merchants, customers and various financial institutions for all kinds of payments.
322. The benefits of e-Tendering are transparent and efficiency, IT friendly and innovative, reduction in costs
for Bank Bidders and Tender floating agencies and access to real time information, elimination of hassles
associated with publishing of tenders.
323. SBI is connected with e-Tendering process by payment gateway services to receive EMD deposits from
bidders on behalf of concerned Govt. Dept. and MOPS options to receive EMD deposits from bidders on
behalf of concerned Govt. Dept.
324. There are various types of e-Tendering models such as G2B: Government-to-Business, B2C: Business-
to-Consumer and B2B: Business-to- Business.
325. Multi Option Payment System is platform through direct integration of web-site of the merchant and it
enables the remitter to pay with multiple generic payment options like Net banking and Card payments.
326. The benefits of State Bank Collect to the Bank are, CASA deposits will increase, Reduced footfalls &
decongestion at Branches and Increase in fee-based income.
327. The target group for marketing State Bank Collect product are Schools/Colleges/Universities (Admission
fee, Hostel fee, Exam fee, etc), Charitable Institutions/Temples (donations) and Government/Semi Govt.
Bodies (Collection of taxes, dues, etc)
328. The pre-requisites to avail State Bank Collect facility for Merchant are, the corporate should have a
Current Account at any SBI Branch, has to avail CINB facility and Administrator of the CINB variant has to
apply for State Bank Collect Online.
329. Foreign Travel Card is covered under FEMA 1999 Act, Maximum daily limit of transactions in ATM is USD
3000 or its equivalent and 3 cards per account can be issued.
330. Home loan interest certificate, Education loan interest certificate and TDS certificate can be generated
through SBI Samadhan App.
MARKETING
SNo One Liner
01. Property Insurance include Insurance of Stocks Insurance of land and building Insurance of Goods in
Transit.
02. In Third Party Insurance, the Third Party is Someone other than the Insurer and Insured.
03. Statutory requirement in Motor Vehicle Insurance third party insurance cover.
04. Advantage of mutual funds is Professional Management, Safe and Transparent and Liquidity.
05. The successful marketer always tries to understand the target market’s needs, wants, and demands.
06. Demands are wants for specific products backed by an ability to pay.
07. Needs describe basic human requirements such as food, air, water, clothing, and shelter.
08. Cash Payment, repair and replacement are the method of indemnification in Personal Accident
Insurance Policies.
09. Indemnity is nothing but compensation for the actual loss suffered.
10. The benefits of cross selling are Enhances customer experience with the organisation, Enabling in
acquisition of new customers and retention of existing customers.
11. The products we cross sell in our Bank are Insurance Products, Mutual Funds, Credit Card and Demat
Account.
12. The meaning of Latin proverb "Caveat Emptor” is Let the buyer Beware.
13. Processing fees for loans under xpress credit scheme is 1% f the loan amount plus GST.
14. Under Xpress credit-IT to employees, no security to be offered by them.
15. Processing fees for SBI Insta credit loan is Rs. 500/- plus GST.
16. The private schools & colleges, which are affiliated to CBSE/ICSE/UGC/AICTE etc and is 15 years old then
employees are eligible for loans under xpress credit scheme.
17. Nil Processing fee is charged for loans under xpress credit scheme for DSP account holders and the
xpress credit elite scheme.
18. For employees of unrated corporates or organisations to be eligible for loans under xpress credit
scheme the minimum CIBIL Score is 700 and above.
19. Miss Suniana a prospect home Loan customer approached the branch with incomplete documents,
then her Lead will be marked in the CRM process as lead interested.
20. The key steps in Initiate milestone in CRM application are Lead creation, Lead dedupe & Lead
assignment.
21. The Lead to Customer dedupe feature in CRM is run at the time of Documents collected.
22. Marine Cargo Insurance Policy Covers goods in transit including by sea, air and road.
23. Driving a motor vehicle without insurance in a public place is a punishable offence in terms of the Motor
Vehicles Act.
24. IDV stands for Insured Declared Value.
25. Zero Depreciation Cover means the complete coverage without factoring in depreciation in Vehicle
Insurance.
26. Protection against any unforeseen loss or damage to/destruction of property due to fire is covered by
Fire Insurance.
27. NAV stands for Net Assets Value.
28. IPO stands for Initial Public Offer.
29. Equity Bonds are high risk funds most of the times and their returns are linked to stock markets.
30. Indexed Fund funds invest in same pattern as stock market indices such as CNX and BSE.
31. Tax Savings Funds give income tax rebate under Sec 80 C of Income Tax Act 1961.
32. SBI participates in property shows to Improve visibility as a Home loan provider.
33. Dus Ka Dum initiative by our bank is an example of Event Management.
34. All the enquiries during campaigns are categorized as Leads which are initiated.
35. CRM helps improve business relationships with customers, by focusing on Customer Retention.
36. CRM is important because customers are giving value to Experience rather than products.
37. Customer Contact Centre was not considered for implementation of CRM Liability Lead management
module initially.
38. In CRM, under lead assignment is done on the basis of Desired Channel, Preferred Branch, Product.
39. CRM is introduced in SBI to ensure Accurate & real time reporting, Customer Acquisition and Customer
retention.
40 Central Government's Interest Subsidy scheme for Education Loans in the country is implemented by
Canara Bank.
41. The common portal launched by Ministry of HRD, for students to apply for education loans is known as
Vidya Lakshmi Portal.
42. Car Loan Overdraft is not available under Loyalty Car Loan.
43. Expenses are not covered under the project cost for Education Loans for studies in India are Living
expenses other than Hostel expenses.
44. The expected rental income can be considered for computing maximum loan under SBI Home Loan
Scheme Equivalent to NMI/NAI.
45. Rs. 3.00 Lacs is the minimum Net Annual Income to avail Home Top-up Loan.
46. SBI Global Ed-vantage scheme does not cover studies in People Republic of China.
47. The facility of loan offered under SBI LAP (Loan against Property) is Term Loan.
48. Two CICs (Credit Information Company) reports will mandatorily to be obtained under SBI LAP (Loan
Against Property) for loans above Rs. 10.00 lacs.
49. New Top Up Home Loan over internet banking platform for the existing Home Loan borrowers against
their Home Property is named as SBI Insta Home Top Up.
50. New Home Loan product to meet shortfall in funds for purchase a new home/flat is named as SBI Bridge
Home Loan.
51. For Eligibility under Interest Subsidy Scheme on Education Loan for Economically Weaker Sections, the
annual gross parental/ family income of the applicant borrower should not be more than Rs. 4.50 lacs.
52. Education loans up to Ten Lacs for studies in both India and abroad will be considered as Priority Sector
Lending's in terms of RBI guidelines.
53. When the salesperson says that the benefits match the prospects’ needs, then purchase intentions are
likely to rise sharply.
54. A general rule is to attempt to close the sale when the buyer/buyer's display heightened interest.
55. Acknowledge it and ask further questions and deal with the objections convincingly is an effective way
to deal with objections during a sale.
56. Objections raised by the buyers during a sale process may be because may reason like requirements of
further Information, doubts in mind and expression of interest.
57. Procedures to be followed for marketing of Insurance products at the "Point of Sale" are contained in
the IRDA Act 2002.
58. Missing to mention the method of Interest calculation will not be considered as mis selling.
59. Misrepresenting the features of an Insurance Product, Misleading the customer about the returns of a
particular Mutual Fund and Omitting to mention the exclusions in an Insurance Policy will be considered
as mis selling.
60. There are two roles in the CRM system for creating and managing leads for liabilities are Branch
Manager (BM) and Customer Relationship Officer (CRO)
61. In Automobile Insurance, Zero Depreciation Cover offers Complete coverage of original cost without
Depreciation.
62. PPF account subscription per annum is restricted to minimum Rs 500, maximum Rs 150,000/-.
63. Pension is to be paid only by credit to SB account of pensioner or jointly with spouse, Former or Survivor.
64. For opening new account for an individual, one must submit Photo, ID Proof and Address Proof.
65. Chest verification is done by an officer other than Joint custodians bimonthly.
66. All customer complaints have to be acknowledged within 24 hours and disposed of within 21 days.
67. While issuing draft, precaution to be followed like transparent stickers on amount field, Hologram for
drafts of Rs 1 lac and above and Telegraphic advice for drafts of Rs 10 lacs and above.
68. Security forms should be stocked to meet 6 months requirements.
69. Various audit reports and Branch Manager’s Monthly Certificate register should be in the custody of
Accountant.
70. Reporting of high value cash transactions is necessary for deposits of Rs 10 lacs and above, Withdrawals
of Rs 10 lacs and above and transactions of suspicious nature.
71. New accounts are closely monitored by flagging new accounts, first 10 leaves of first cheque book
branded ‘New Account’ and Memo field marked ‘New Account’.
72. Presentations are a powerful way to communicate your message to a group of people.
73. Types of Presentation:
o Sales: Outlines the benefits, features, and reasons to buy a product or service
o Persuasion: Provides the reasons or support to pursue a idea or path
o Status report: Details the progress of a project, a task force, or product sales
o Product demonstration: Shows how something works
o Business plan or strategy: Sketches out what an organization plans to do next, or articulates the
company’s goals.
74. The Personal Selling Process comprises of the following steps
o The opening
o Need and the identification of problem
o Presentation and demonstration to solve the expected query
o Dealing with objections with mutual benefit.
o Negotiation
o Closing the sale
o Follow‐up
75. TIPS FOR BEING A GOOD SALESMAN
o Understand the actual need of Customer
o Never be in a hurry
o Know your Products sufficiently to handle the query
o Speed of response
o Your personal attitude and energy
o Be ready to deliver on customer’s call.
o Know your Competitor and their products.
o Listen and empathise
76. o Benefits of Cross‐ selling for Banks
o Enhances customer experience with the organization
o Enables acquisition of new bank customers and retention of existing customers
o Enables clients to form opinions and introduce new clients to the bank
o Improves your customer base and help meet goals and objectives.
o Encourages clients to use multiple products and services and thus prevent switching over to
competitor banks.
o Assist in developing new products and value propositions through constant engagement.
o Enjoy customer life time value (customer longevity), reduce acquiring cost
77. Investors with low risk appetite will generally prefer investment in Debt Funds.
78. SBI has tie-up SBI Life Insurance Co. Ltd for Selling Life Insurance products.
79. Cross Selling is needed to increase fee-based Income, to act as an one stop shop fulfilling all the
customers’ needs, to retain the customer with the bank.
80. The various methods of Cross Selling will include providing information through Brochures & Pamphlets,
Explaining the product to the customer and Bringing the prospective customer in contact with the Sellers
81. In investor analysis, the high net worth individuals are considered to have an investment philosophy
based on high risk.
82. Investment in Balanced Funds Scheme of Mutual Funds will generally be preferred by investors who
have a moderate risk appetite.
83. To successfully cross sell the products, it is essential that enough time is available to talk to the customer
and the customer has an inclination to listen.
84. Cross Selling would involve Introducing and selling additional products to the customer and Creating
awareness about the available products & services.
85. Validity of AC accorded by CCC / COCC is valid for 8 Weeks.
86. Indicative bench mark of liquidity for FBWC for Manufacturing units is 1.33.
87. Sanction of loans within the powers delegated are to be reported to higher authorities by submission
of Control Reports.
88. Qualitative parameters examined in a loan proposal deal with viability of the proposition and bank's
prudential levels of exposure.
89. Compliance of KYC norms are to be done by the Branch forwarding the proposal.
90. Pre-Sanction Credit Process can be classified into three stages.
91. Prior approval of the Controlling Authority is necessary for issuing BGs for BGs of more than 18 months
excluding extensions.
92. Indicative bench mark of liquidity for FBWC limits below Rs.5 crs for others is 1.25.
93. The stages of Pre-Sanction Credit Process are Appraisal & recommendation, Assessment and Sanction.
94. Sanction of loan proposals will be as per the power structure given in the 'Scheme of Delegation of
Financial Powers'.
95. All risk factors associated with a loan are accounted in the CRA models adopted by the Bank.
96. Loan Policy seeks to avoid Credit Risk Concentration by optimal portfolio spread of assets.
97. Two of the essential conditions for Takeover of advances unit should have earned Net profits for the last
three years and should have been a standard asset in the books of the other Bank / FI.
98. Normally multiple borrowing / multiple facilities to the same borrower from 2 or more Banks should not
be allowed.
99. "Exposure" includes Credit & Investment exposure.

100. Credit facilities to be released in anticipation of sanction by CCC are to be accorded prior by CCCC.
101. The key elements to be covered in the KYC policy are Customer Acceptance Policy, Customer
Identification Procedures and Monitoring of Transactions and Risk Management.
102. Non-submission of Control Reports is viewed very seriously.
103. Bank's maximum aggregate credit facilities (FB & NFB) for Non -Corporates [other than against Specified
Securities is Rs 100 crores.
104. Pre‐ Purchase: The pre‐ purchase stage begins with need awareness and continues through to
information search and evaluation of alternatives to deciding whether to buy a service.
105. Digital marketing is segmented in two major parts as Search Engine Marketing and Social Media
Marketing.
106. Important social media marketing channels are Facebook, Twitter, LinkedIn, Google+, video promotion
through YouTube, Google AdWords, Facebook Ads, Twitter Ads, Email Marketing, Mobile Apps, Web
Analytics Process.
107. Benefits of digital marketing
o It is easy to measure & implement
o It’s cheaper than traditional marketing
o One can measure progress and success. Its data driven marketing where one can measure
impact of campaigns and can make changes for better results.
o Allows reaching a wider audience faster compared to off‐line marketing and can target more
people at lowest possible cost
o Enables targeting specific audience and re‐target them through re‐targeting and interest-based
advertising
o Digital marketing is flexible and enables various combinations of marketing technologies and
channels to achieve business goals.
108. The minimum loan amount in Personal Loan -SBI Saral scheme @ " Metro /Urban” Centres is Rs. 4,000.
109. In Xpress Credit Scheme of Personal Loans, penal interest is charged at the rate of 2% p.a. (over and
above the applicable interest rate).
110. In Xpress Credit Scheme of Personal Loans, Loan can be sanctioned as Term Loan or Overdraft both.
111. Maximum loan amount under Festival Loan scheme is how many times Net Monthly Income of
applicant is 4 times.
112. In Xpress Credit Scheme of Personal Loans, for irregularity in payment, penal interest should not be
charged up to Rs. 10,000/-
113. In Xpress Credit Scheme of Personal Loans as Term Loan Facility, maximum amount of loan can be
sanctioned up to is Rs. 15.00 Lacs.
114. The Maximum loan amount in Festival loan scheme for Public is Rs. 50,000/-.
115. In Xpress Credit Scheme of Personal Loans, Maximum Loan amount for school teachers is capped at 18
months gross salary in Term Loan facility.
116. SBI Pension Loan is available to all pensioners drawing pension from our branches 72 years of age or
less at the time of loan sanction.
117. The maximum age for availing Personal loan against mortgage of Immovable property is 55 years.
118. In Xpress Credit Scheme of Personal Loans, what is processing fee is 1% of loan value.
119. The maximum repayment period in SBI Pension Loan Scheme, whose age is up to 72 years is 36 months.
120. Second xpress credit loan can be sanctioned after one year of disbursement of the 1st loan provided
the 1st loan is regular at the time of sanction of the 2nd loan subject to the overall EMI/NMI ratio of
50%.
121. Maximum loan amount under Xpress Credit scheme as Term Loan Facility, is how many times Net
Monthly Income (NMI) of applicant is 24 times.
122. In Xpress Credit Scheme of Personal Loans, there is no margin.
123. In Personal loan against 'Mortgage of Immovable Property" Scheme property includes Non-encumbered
residential property, Non-agricultural Urban landed property, Commercial / Industrial property in the
name of the borrower and not included Property of School/College/Hospitals/Orphanages.
124. The Margin in Personal Loan against Mortgage of Immovable Property is 40%.
125. In Xpress credit scheme of Personal Loans, there are some relaxations/concessions for Account holders
of Défense Salary Package and other Salary Packages.
126. The maximum repayment period under Festival Loan scheme for Public is 12 months.
127. In Xpress Credit Scheme of Personal Loans, Equated Monthly Instalment (EMI) should be either equal
to or less than 40% of Net Monthly Income (NMI).
128. In SBI Student Loan scheme, margin for loan up to Rs.4 lacs for studies in India is nil.
129. Our branches can issue the capability certificate for the students going abroad for higher studies.
130. No collateral security is required for loans up to Rs.4 lacs under SBI Student Loan.
131. The maximum loan under SBI Student Loan for studies in India is Rs. 10.00 lacs
132. Concession in interest for girl students availing SBI Student Loan is 0.50%.
133. PAN card is mandatory for securing Education loan – SBI Student Loan Scheme.
134. The percent of penal interest to be charged for loans above Rs.4 lacs for the overdue amount & overdue
period under SBI Student Loan is 2%.
135. SBI Student Loan for studies abroad can be sanctioned up to Rs. 30.00 lacs.
136. There is no maximum age limit prescribed for the students availing education loan under SBI Student
Loan Scheme.
137. The norm for repayment when Education loan is sanctioned under SBI Student Loan scheme is 1 year
after the completion of the course or 6 months after taking up a job, whichever is earlier.
138. The margin for studies in India for loans above Rs.4 lacs under SBI Student Loan is 5%.
139. The margin for studies abroad for loans above Rs.4 lacs under SBI Student Loan is 15%.
140. The processing fee for loans up to Rs.4 lacs under SBI Student Loan scheme is 1.00%.
141. The maximum tenure of the loan above Rs. 7.5 lacs under SBI Student Loan scheme is 12 years.
142. An interest rate concession is given to girl students availing education loans under SBI Student Loan,
SBI Scholar Loan and SBI Student Loan to Staff / Ward of Staff.
143. Application for educational loan – SBI Student Loan Scheme, should not be rejected without the
concurrence of next higher authority.
144. The security for loan above Rs. 7.5 lacs under SBI Student Loan is tangible collateral security along with
assignment of future income of the student for payment of instalments.
145. the rate of interest concession if full interest is repaid during moratorium period under SBI Student
Loan is 1%.
146. Loan applications under SBI Student Loan have to be disposed off within a period of within 2 weeks.
147. The expenses which can be considered for arriving at loan amount under SBI Student Loan scheme are
Fee payable to college/hostel including examination fee, Expenses like study tours, project work, theses
etc and Purchase of computers.
148. Some courses are not eligible under SBI Student Loan scheme such as Vocational training & skill
development study courses, Medical courses in USSR, China, Nepal &other countries not recognized by
Medical council of India and Courses conducted by universities through distance mode of learning.
149. There is no ceiling in maximum no. of loans in a family under SBI Student Loan scheme.
150. Pre sanction survey and KYC verification in respect of a new applicant under SBI Car Loan scheme is
done by both by same officer from RACPC/MPST/branch during one visit.
151. The age of the used vehicle for financing under the SBI Car Loans for Used Vehicles scheme should be
below 5 years.
152. Auto loan counsellor generates lead for Car loan and Merchant Acquisition.
153. There is no product under SBI auto loan where fixed rate of interest is charged under SBI Car Loan
scheme.
154. If a car loan is sanctioned as Overdraft account, the differential rate of interest would be same as the
rate applicable to TL.
155. The maximum repayment period allowed for a car loan is 7 years.
156. Eligibility for car loan depends on Income and Qualifying scoring model.
157. Takeover of car loans will be considered selectively subject to which of the following conditions the
vehicle is not more than 2 years old, it is a single ownership vehicle & no insurance claim has been
availed, the account of the borrower with the other bank is a Standard Asset and the loan should be
repaid within 7 years from the date of the original purchase of the vehicle
158. Government approved external valuers certifies Pre-owned cars for loans under the Certified Pre-
owned Car Loan scheme.
159. For car dealer sales executives, the incentive would be paid at the rate of 0.25% for the loan applications
sourced by them and maximum of Rs.3000/-.
160. The maximum loan amount that can be sanctioned Under NRI car loan scheme 18 times of NMI (of
Guarantor).
161. Rs. 3,00,000 is minimum Gross Annual Income required for salaried class for car loan.
162. The periodicity of inspection for a standard asset after initial inspection under SBI Car Loan scheme is
waived.
163. In respect of car loan applicants- Professionals, self-employed, Proprietary/ partnership firms,
businessmen, the minimum Net Profit/ Gross Taxable Income per annum as per I T Return after adding
back depreciation and deducting repayments of existing loans should be Rs. 4.00 lacs.
164. The maximum car loan amount that can be granted to a salaried person is restricted to 48 times of Net
Monthly Income.
165. Retired SBI Officers and SBI Customers and others with certain qualifications can be appointed as Auto
Loan Counsellors.
166. For car loan applicants other than agriculturists, I T Return/ Form 16 for the last 2 years should be
obtained.
167. Income from other sources like Bank interest, rents, Dividends of listed Companies and Agriculture
income can be added for arriving at minimum Net Annual Income of a car loan applicant.
168. There is no pre-payment penalty for a car loan.
169. The margin for a car loan on “On road Price” of the vehicle would be 15%.
170. The maximum car loan amount that can be granted to persons other than salaried is restricted to 4
times of Net Annual Income/Net Profit/Gross Taxable Income.
171. A car loan can be sanctioned as either TL or OD.
172. Presently the maximum time schedule for receipt of application and sanction/disbursal of a car loan is
2 days.
173. Agriculturists categories of car loan applicants need not submit Income Tax Return/Form 16.
174. the periodicity of inspection for NPA accounts after default of 2 EMIs under SBI Car Loan scheme is half
yearly.
175. For a new account, owning a house in India is not among the eligibility criteria for the borrower under
the SBI NRI Car Loan scheme.
176. While considering a car loan, the maximum cost of accessories should not exceed 5% of the cost of
vehicle or Rs. 50,000/- whichever is less.
177. Salaried employees, Professionals, self- employed persons, businessmen are eligible to apply for a car
loan.
178. For a car loan applicant (salaried and non-salaried) having a Net Annual Income above Rs.5 lacs and up
to Rs.10 lacs, the EMI/NMI ratio should not exceed 50%.
179. The service charge payable to a car dealer for the business sourced is 1.50% of loan amount.
180. The purpose of inspecting the proposed property are to Identify the property based on details in title
documents, to record landmarks for reaching the property, confirm accessibility/approachability by all
modes of transport/car/two-wheeler and Comments on the locality i.e. whether the location is
residential/commercial/underdeveloped/trouble prone.
181. The inspecting team should be located where major construction activity is going on.
182. The purpose of inspecting the proposed property is to confirm the title of the owner.
183. The Inspection officer will make discreet enquiries with the owners or occupants of neighbouring
houses at the time of property inspection.
184. The inspection official identifies the property based on the documents of title to the property.
185. If the applicant desires to pay cash towards stamp charges, he should be requested to purchase from
any nearby branch a banker’s cheque issued at par in favour of ‘RACPC Stamp Charges Collection
Account’.
186. In the case of salaried applicants, discreet enquiries with colleagues of applicant is made to ascertain
antecedents of the borrower, credentials of the salary disbursement authority and confirm genuineness
of salary certificate.
187. Pre-sanction Inspection for Home Loans is the process to be done by the bank before approval of loan
to the applicant.
188. The limit of Home loan to non-salaried Minimum: Rs. 50,000/- and Maximum: Rs. 50 crores.
189. The permissible LTV ratio in case home loan to non-salaried for loan up to Rs. 30.00 is 90%, above 30lacs
to 75 lacs it is 80% and above 75 lacs it is 75%.
190. Home loan with limit up to Rs, 20.00 lacs to non-salaried, no overdraft facility and above 20 lacs and up
to Rs. 3.00 crores both TL and OD.
191. The service Quality dimension based on tangibility, reliability and responsiveness.
192. Experience can be discerned only after purchase or consumption of a particular product.
193. Delivering product elements to customers involves decisions on the place and time of delivery, methods
employed and channels employed.
194. Improving Profitability means keeping costs under control.
195. Service quality is important for customer loyalty.
196. Tangible evidence of service quality is provided through physical ambience.
197. There are four P in marketing named Product, price, place and promotion.
198. Core Product and supplementary services should be carefully designed to create value for customers.
199. The Principle of Insurable Interest is a person who wants to insure must have insurable interest in the
property to be insured.
200. The Principle of Utmost Good Faith means the proposer should furnish all material facts concerning the
property proposed to be insured.
201. No claim bonus is nothing but a bonus which a proposer is eligible at the time of renewal in vehicle
insurance when there is no claim lodged during the insurance period.
202. Regular transfer from one Fund to another can be done by Systematic Transfer Plan (STP).
203. Home loan may be sanctioned for reimbursement of investment made by the borrower in housing
during the preceding 12 months subject to some conditions like Reimbursement will be restricted to
the investments made by the applicant from own source of fund or through borrowings from friends,
relatives & employer, the property proposed to be financed should be free from all encumbrances and
The property proposed to be financed should be free from all encumbrances.
204. A customer has approached you for a home loan. The property price is Rs.40 lacs. The eligible loan
amount in rupees that can be sanctioned to him based on LTV ratio 32 lacs (Loan above 30 lacs to 75
lacs LTV is 80%.)
205. If a customer has purchased a piece of land with the Bank’s finance thenthe construction of house
should completed within 5 years of first disbursement but there is no timeline to start construction.
206. The minimum net monthly income of the employees of govt, semi govt, Central PSUs for availing xpress
credit scheme is Rs 5000/-.
207. The minimum loan amount to be sanctioned under Xpress credit scheme as Term Loan is Rs 25,000/-.
208. The maximum loan amount which can be sanctioned under Xpress credit scheme is 24 times NMI
subject to a maximum of Rs 15 lacs.
209. Teachers and staff of govt schools who are employees of state govt. are eligible to a maximum loan
amount of 24 months under xpress credit scheme.
210. In case of loan under xpress credit scheme prepayment of EMIs in full or in part and closure of account
before the end of term will attract the prepayment charges of 3% on prepaid amount.
211. For loans under xpress credit scheme, penal interest would be charged at 2%. p.a(over and above the
applicable interest rate) on the overdue amount for the period of default.
212. All the Institutions having loans under xpress credit scheme with NPAs above 1% should be restricted
from further financing.
213. For loans under xpress credit scheme, if the last salary credit is more than the average of last 6 months,
the NMI will be taken as 110% of the average salary or latest salary credit whichever is less.
214. The maximum repayment period for Xpress Elite loan is 60 months.
215. Customers having CIBIL Transunion score of less than 700 will not be eligible loan under Xpress Elite
irrespective of their application score.
216. The nature of facility under SBI Insta credit Top up loan is OD with reducing DP.
217. Maximum loan tenure for SBI Insta credit Top up loan is 36 months with residual maturity 36 months
to 48 months.
218. Loans under Xpress Credit -Non-Permanent Employees (NPEs) scheme can be sanctioned in urban and
metro branches.
219 IT employees with a minimum of 6 months length of service and having salary account with SBI
are eligible for loans under Xpress credit-IT employees.
220. Loan amount of xpress loan to IT/ITes employees is 18 months maximum Rs 10 lacs subject to EMI/NMI
not exceeding 50%.
221. The loan type or nature of facility for Xpress credit- Non permanent employees (NPEs) scheme of
Central/State govt department is demand loan.
222. Minimum amount of xpress credit loan which can be sanctioned as overdraft is Rs. 3.00 lacs.
223. Maximum loan amount under Xpress credit-IT employees is Rs. Ten Lacs.
224. There is no provision for 2nd loan under xpress to credit-IT employees when first xpress credit is
running..
225. Under Xpress credit-Non permanent employees the security to be offered is third party guarantee
worth the loan amount.
226. Failure to explain exclusions in a policy is completely unethical practice.
227. Crediting survival benefits of Insurance policy to the SB account is an ethical act.
228. Including the expected rental income to increase the loan eligibility is honest and ethical practice.
229. Scholar Loans cannot be granted jointly in the name of the student and his/her with parent in law.
230. Xpress Elite is a Personal Loan variant for officials of the Central/ State Governments, Defence, PSUs
and Quasi Government Bodies drawing a monthly salary of above Rs. one lac.
231. Processing Fees under SBI Global Ed-Vantage Loan scheme is Rupees Ten Thousand only per
application.
232. SBI Global Ed-vantage Loan is sanctioned mainly at RACPC/RASMECC.
233. Minimum & Maximum Loan amount under SBI Global Ed- Vantage Scheme are Rs.20.00 Lakhs & Rs.1.50
Crores.
234. CRM is important because customers are giving value to experience rather than products.
235. In CRM, under lead assignment is done on the basis of product desired.
236. Loan eligibility of the applicant is to be ensured at the time of after the applicant submits all
papers/documents.
236. For effective Personal Selling Skills, the focus should be on business related.
237. After identifying the problems and needs of the buyer, the salesperson then only should make the
presentation based on customer requirements.
238. Buyers find it difficult to understand the technical words like KYC, MCLR, Base rate hence we should use
language to make the customer feel at ease.
239. Customizing a presentation to suit the audience requires understanding of your audience well.
240. During a presentation, effective persuaders combine logic and emotion to convince their audience.
241. One of the most powerful ways to conclude a presentation is by a call to action.
242. The presentation will be more effective when the speaker avoids the jargon/technical words.
243. The objective for creating HLST to have a dedicated team for home loans, reaching customers at their
place to maximize home loan business and Enhance home loan market share.
244. The Four Variants of CSP accounts are Silver, Gold, Diamond and Platinum.
245. Award staff employees posted in MPST will be designated as Marketing Executive.
246. The role holders in SE & Corporate & Institutional Liabilities Team under the MPST are Team Leader, Sr.
Marketing Executive and Marketing Executive.
247. User role creation in CRM application is done by the concerned Branch Manager.
248. Leads can be generated in CRM system by manual intervention, automatically and through analytics.
249. An effective salesperson knows how to Influence the customer's behaviour to purchase what he is
selling.
250. The number of Credit Information Reports required to be obtained for Car Loan of up to Rs 5 lakhs is
One.
251. A good presentation is one which is both ways.
252. The type of presentation to be made is decided by skill level of speaker.
253. To ensure high interest levels of the audience, a presentation should be Interactive & interesting to the
audience.
254. Air Accident Insurance Cover is available to Account holders when Air tickets are booked through the
SB account opened under CSP.
255. To sell Group Insurance policies of SBI Life, an employee of the bank must be CIF qualified.
256. The feature of the Corporate Salary Package Accounts is Free Interpore Charges & Temporary Overdraft
facility, Concessions in Processing Charges & Interest Rates on Loans and Complementary PAI & AAI.
257. The Investment techniques are Systematic Investment Plan, Systematic Withdrawal Plan and systematic
Transfer Plan.
258. For complaints of misselling of Insurance Policies, customers need not approach police station.
259. Insurance Policies have a provision, whereby the proposer can opt for cancellation of the policy within
15 days.
260. The misselling can be done in many ways like Annual Premium policy sold as single premium policy,
mentioning wrong date of birth in the proposal form and sale of an Endowment plan when customer
wants a Term plan.
261. Maximum Loan amount under SBI Scholar Loan scheme is Rs. 40.00 lacs.
262. Skill Loans are repayable in a maximum period of seven years.
263. SBI Privilege Home Loan is offered to State Govt Employees, Central Government Employees and PSU
Employees.
264. SBI Shaurya Home Loans is offered to employees of Defence Establishments.
265. Team Leader in HLST is designated as Senior Marketing Executive.
266. Reimbursement Current Account opened under Corporate Salary Package will be operated by
Designated Official of the Corporate.
267. The Personal Accident Insurance cover is available for CSP Accounts only if Salary credits for at least 2
Consecutive months preceding the date of incident.
268. The Cost of Insurance Premium for the Personal Accident Insurance Policy is borne by the Bank.
269. The PAI policy covers all new & existing Corporate Salary Package accounts.
270. In the event of Death of the Accountholder under Corporate Salary Package, intimation has to be
given to the Insurance Company within 90 days.
271. Open ended funds are a scheme of mutual funds where an investor can enter/exit at any given time.
272. SBI ETF-SENSEX is an example of Index Funds.
273. Sector Funds invest primarily in Equity shares of companies in a specified sector only.
274. The HLST Head will report to (except for a single team HLST) to DGM of concerned Administrative Office.
275. The Sales Assistant is required to Collect leads from Database creation team officer.
276. If a loan request is rejected after inspection, the amount of processing charges to be recovered is 25%.
277. The performance of each sales assistant is monitored by the concerned Team Leader.
278. In Car Loan scheme, when customer submits the Invoice and RC Book to Bank then the Bank has to
verify Invoice with quotation and Registration Card with website, take a Xerox of them and enter in CBS
after conducting post sanction inspection.
279. If there is any difference in price of vehicle between quotation and final invoice submitted by customer
then Tax invoice should be tallied with quotation with respect to price and variant of vehicle. Prices
given in quotation should be verified by Manufacture website uploaded in PBBU site.
280. If the CIBIL score of a customer is -1 applied for Car Loan, will be rejected as customer with "-1" score
is not eligible for car loan.
281. Verifying car loan proposal for a businessman process includes Scrutiny of Current account of
businessman, Scrutiny of reported income in ITR with credit summation of account statement and
Compliance of CIBIL norms.
282. Once the Car Loan is sanctioned to a customer and completed documentation then has prepared
IOI in name of Car Dealer and handed over to borrower or directly credit the amount in dealer’s account
by any of the means available like fund transfer, RTGS/NEFT.
283. PDCs given by the customer in Auto Loan, should be kept in joint custody of Manager (PBD)/
Accountant/ Cash Officer.
284. Two CIRs from CIBIL and CRIF High Mark Credit Information Services Pvt Ltd will be perused if the
Housing Loan of Rs 10.00 lacs and above.
285. If the vehicle is more than 2 years old, We can't takeover Car Loan.
286. The maximum time schedule for receipt of application and sanction/disbursal of loan as per Bank's
instructions is 2days.
287. Hypothecation is a charged created in case of SBI Auto Loan.
288. Form 20 is an application for Registration of Vehicle.
289. The condition for NRI Car loan is, the applicant should have Valid Indian Passport, should have been
employed for 2 years abroad and should have valid job contract /work permit.
290. Guarantor is not a condition required in case of NRI Car Loan.
291. There is no stipulation of minimum margin under SBI loyalty car loan.
292. Reimbursements if regular in nature can be added to Net Monthly Income in while calculating the net
income for Housing Loan application.
293. The maximum permissible age for repayment in terms of housing loan is 30 years or up to 75 years of
age of applicant whichever is lower.
294. If a director of a construction company wants to avail the purchase a flat developed by his own
company. We can offer him but with the deviation from DGM(B&O).
295. Income of unmarried daughter can be added in deciding Net Monthly Income if they join as co-
borrower.
296. If any NRI wants to avail the Housing Loan who is leaving the country to join his office abroad soon, but
he wants to complete his documentation formalities. He can do by execute a power of attorney
favouring a person who can complete the formalities in his absence.
297. If one has availed Home Loan with someone as a guarantor, the guarantor may opt out joining the Top
Up Loan as guarantor.
298. Housing Loan and Top Up loam both can be switched from another Bank to our Bank.
299. If one has availed the housing loan from another Bank, Prepayment penalty if any levied by that Bank
will be financed by us, He can not be sanctioned more amount than that of previous Bank and also
repayment period can not be more than the previous Bank.
300. Loan Against Property, the valuation of the property should be conducted after every three years.
301. The feature of SBI Privilege Loan are customer would be getting 5% concession in EMI/NMI ratio,
repayment period can be 360 months or 75 years whichever is early and the minimum loan limit is Rs.
10.00 lacs
302. Repayment in case of SBI Realty loan and Loan Against Property (LAP) starts from the very next month
only. (No moratorium)
303. Tax Savings Funds (Mutual Funds) may give good return along with Tax benefit.
304. While talking to the prospective buyer you have identified his problems and needs, the next step for a
successful salesman would be Presentation.
305. While you are explaining the car loan feature to the customer, he raises a lot of objections you realize
that this is so because of further information, clarify his doubts, his expressions of interest and not yet
convinced.
306. While talking to a customer who is interested for a car loan, you find he makes and says your Loan costs
more than other Banks. Which will be the most appropriate response?
Yes sir, the initial cost for taking a loan may be higher but over a period it works out economical.
307. When we visit the residence of the customer who is interested to purchase a car, you would raise
questions to understand the customer's objective and time frame, understand the customer's views
and perspectives and give a concession simply to secure the purchase (mobilize the proposal)
308. While making a presentation to the employees of any organisation if you find that there is a lot of
interaction with the audience then it is a good presentation.
309. If we have been asked to make a presentation on the various deposit products of our bank. To keep our
audience's interest level high during presentation, we can add humor, ask a question, provide examples.
310. The presentation on any product should be understandable, convincing, logical and relevant arguments
and examples are incorporated.
311. For gaining the attention and interest of audience, one can use hook during his presentation.
312. If we are giving presentation to higher authority of any organisation, we should do it in such a manner
that audience has no questions to ask.
313. To keep the audience engaged during presentation your leader of the marketing team to adds humor
in his presentation, provide suitable examples during the presentation, does not talk in common
language and provide illustrations for better understanding of the audience.
314. One of the basic courtesies in/during a presentation is leave some time for questions to be asked by
the audience.
315. Suppose you have been posted as KAM , you find that the salaried class customers of the corporates
and Institutions in the area, have their accounts with our Bank where the salary is being credited, you
would make an effort to convert the existing accounts of employees of corporates & Institutions to
salary package accounts and upload request for issuing personalized ATM card and arrange for cross
selling activities.
316. The referral in CRM is a lead brought for any Banking products by our Bank’s customer to our fold.
317. If a Home Loan customer has approached the branch with incomplete documents, his Lead will be
marked in the CRM process Lead Interested.
318. A lead can be allotted to any CRM user through CRM application under head of scheduled task.
319. If an existing customer of the bank expressed interest in availing another product of our bank and
submit all the required documents then this lead will be marked as Existing to Bank (ETB).
320. The benefits of ownership in services come from the opportunity to use/rent physical products.
321. Experience can be discerned only after purchase or consumption of a particular product/services.
322. Delivering product elements to customers involves decisions on the place and time of delivery, methods
employed and channels employed.
323. Funds which seek returns from arbitrage opportunities between equities and derivatives and invest in
debt when no arbitrage is possible are called Arbitrage Fund.
324. SBI Mutual Funds offers services of Mutual Funds Portfolio, Management, Advisory Services and
Alternative Investment Funds.
325. HLST stands for Home Loan Sales Team.
326. A product SBI Bridge Home loan has been launched by our bank. It is a short-Term loan to bridge the
cash flow mismatch of the customer.
327. For Defence & Police Salary Packages, the Variant of the CSP product is determined by Grade & Rank of
Employees.
328. The maximum loan amount that can be permitted as Overdraft in Silver variant of CSP accounts is Rs.
40,000/-.
329. Overdraft facility for Salary Package account holders is limited to two months net salary.
330. New Home Loan product to meet shortfall in funds for purchase a new home/flat is named as SBI Bridge
Home Loan.
Please note that the details given in one liner is compiled from different source like Bank’s Website, Bank’s
promotional material by different Training Institute, e-circular and many more reference. Though we have
taken almost due care while preparing this document but we cannot guarantee you that there is no mistake
at all and also it is not necessary that any content of this paper may be part of your assessment test hence, We
highly recommend you to kindly read the Role Manual of Certification Programme for Marketing and Role
Manual of Certification Programme for Digital Banking for your exam point of view. It is just an attempt to
provide a small note on Marketing and Technology related some important points at one place to enable the
PO/TO of 2017 Batch to prepare for the upcoming 3rd Branch Assessment test.
This is to inform you that this paper is strictly for INTERNAL CIRCULATION ONLY among our Bank’s staff only.
We wish you all the very best!

Regards
Kamal Dev Yadav
Trainee Officer
2017 Batch
kamal.yadav3@sbi.co.in
+91 94801 96806

Po To 2017 - Third Branch Assessment - Aspire To Fly

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ASPIRE TO FLY-2.

42. In CRM, a teller can see the 360-degree view of a customer.

45. There are five variants of CINB.

48. The merchant payment limit in Saral is Rs. 25.00 Lacs.

62. Up to seven days, the transaction data report shows at a time.

64. The commitment charge applicable on BHARAT QR to Merchant is nil.

68. The issuance fee for SBI FASTag is Rs. 2,000/-.

74. The MMID is having seven digits.

77. It is possible to do the TDS enquiry in State Bank Samadhan app.

84. NUUP supports 13 major Indian Languages.

90. Green Remittance Card issuance charges is Rs. 20/-.

99. SBI Quick app is an app version of missed call Banking.

He can send money using SBI GRC card.

Yes, he can use the card for further 3 years.

110. In CRM, all deposits are known as liability.

111. The lead ratings are Cold, warm and hot.

Ask Mr. Surojit to ignore such messages as it is an attempt to defraud.

130. Hacking of ATMs type of fraud may affect the Bank.

131. The best practice for combination key management:

o -combination key has to be changed at least once in 6 months.

132. The practices for cash verification in ATM

o -Cash verification has to be done on daily basis by the joint custodians

Replenishment” entry for Rs.20 lakhs

135. The limit of ATM Cash is forty lacs.

139. CRM application was launched in SBI in the year 2014.

140. The ceiling of FXOUT is $500 USD.

141. The maximum FXOUT transaction permissible in a month four.

142. The validity for claiming for mCash is 21 days.

144. There is no maximum ceiling for making tax payment in RINB.

146. Three beneficiaries can be added in a single day in RINB.

147. Zonal Admin role is not available in MAB.

152. The acronym of “CORE' is Centralised Online Real-time Environment

153. There are 23 batches of NEFT in a day.

155. RAM stands for Random Access Memory.

157. Existing customer of Banks will be covered in Phase II of CKYCR.

Submitted for sanction

99. "Exposure" includes Credit & Investment exposure.

We wish you all the very best!

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