Some expected Questions & Topics for IBPS Clerk-3 BANKING TERMS



IFSC
* The full form of IFSC is – Indian Financial System Code
* How many digits are contained in IFSC – 11
* The first four characters represent the – bank code
* The 5th character of a IFSC code is - zero
 The last 6 characters represent the – bank branch code
 The IFSC code facilitates - uniquely identifies a bank-branch participating in the NEFT system
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KYC
 The full form of KYC is – Know Your Customer
 KYC was introduced by – RBI
 RBI introduced KYC guidelines for all banks in the year - 2002
 The components of KYC – Identity proof , address proof , photographs
 The objective of KYC guidelines is – to prevent banks from criminal money laundering
activities
 KYC day is celebrated on – First working day of august every year
NEFT
 The full form of NEFT is – National Electronic Fund Transfer
 The minimum limit that could be transferred using NEFT – No Limit
 The maximum limit that could be transferred using NEFT – No Limit
 Can remittances be sent abroad using NEFT- No(except Nepal under the Indo-Nepal
Remittance Facility Scheme)
 Can NEFT be used to transfer funds from / to NRE and NRO accounts-Yes
 Maximum amount per transaction for cash-based remittances to Nepal is limited to -
Rs.50,000/-
KISAN CREDIT CARD
 The full form of KCC – Kisan Credit Card
 KCC scheme was intoduced by – GOI , RBI , NABARD
 KCC scheme was introduced in the year – 1998
 The objective of KCC is – to fulfill the credit needs of farmers during cropping season through
banking system.
BSBDA
 The full form of BSBDA is – Basic Saving Bank Deposit Account
 The BSBDA scheme is launched by – RBI
 Who can open BSBDA - Any individual, including poor or those from weaker section of the
society
 BSBDA guidelines are applicable to -all scheduled commercial banks in India including
foreign banks having branches in India.
 As per guidelines issued on 22 august 2012 by RBI, all the existing No-frill accounts opened
by the banks are now converted into – BSBDA
 What is the initial minimum deposit required while opening a Basic saving bank deposit
accounts – Zero Balance
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 How many 'Basic Savings Bank Deposit Account' can an individual have in one bank – Only
one
 Whether there are any restrictions like age, income, amount etc criteria for opening BSBDA
by banks - No
 The BSBDA helps in promoting – Financial Inclusion
BASE RATE
 What is base rate ? – The minimum interest rate of a bank below which it cannot lend to
public
 The BPLR(Benchmark prime lending rate)was introduced in the year - 2003
 The BPLR was converted into base rate on – july 2010
 RBI made mandatory for all banks to introduced w.e.f. – 1
stJuly 2010
 The minimum base rate is fixed by – RBI
SAVING ACCOUNT
 Saving Deposit Accounts are part of – Demand deposits of banks
 The objective of saving account is – to encourage small savings done by people
 The current interest rate on saving account as per RBI is – 4 %
 The minimum interest rate in saving deposit account is fixed by – RBI


PUBLIC SECTOR BANKS
 The majority stake in a public sector bank is held by – Government of India(i.e.more than
50%)
 How many public sector banks are operating within INDIA ? – 27 (BMB recently added)
 Among the public sector banks ,the number of nationalised banks are – 19
 The name of the newly established public sector bank – Bhartiya Mahila Bank
 The headquarter of BMB is located in – New Delhi
 The newly elected chairman of BMB is – Usha Ananthasubramanian
 BMB is started with the initial minimum capital of – Rs.1000 crore
 1
st
 woman chairperson of SBI – Arundhati Bhattacharya
OLYMPIC 2012
 The summer Olympics 2012 was held in – London,UK
 The mascot of London Olympics 2012 - Wenlock
 India won how many medals in 2012 summer Olympics – 6
 How many silver medals won by India in summer Olympics 2012 - 2
 How many bronze medals won by India in summer Olympics 2012 – 4
 Who won maximum number of medals in summer Olympics 2012 – USA(46g,29s,29b=104)
 The rank of India in summer Olympics 2012 – 55
 Who won silver medal in shooting – Vijay Kumar
 Who won silver medal in wrestling – Sushil Kumar
 Who won bronze in shooting – Gagan Narang
 Yogeshwar Dutt won bronze in summer olympics2012.He is related to -wrestling
 Who won bronze in boxing – Mary Kom
 Who won bronze in badminton – Saina Nehwal
 Who was the flag bearer from India in the opening of summer Olympics 2012 ? – Sushil
Kumar
 Join us on- https://www.facebook.com/Emahendras
 Who was the flag bearer from India in the closing of summer Olympics 2012? – Mary Kom
ELECTRIC DATA CAPTURE MACHINE(EDC)
 The full form of EDC – Electric Data Capture
 EDS is a computerized system designed for - collection of clinical data in electronic format

IFSC
 The full form of IFSC is – Indian Financial System Code
 How many digits are contained in IFSC – 11
 The first four characters represent the – bank code
 The 5th
 character of a IFSC code is - zero
 The last 6 characters represent the – bank branch code
 The IFSC code facilitates - uniquely identifies a bank-branch participating in the NEFT system
https://www.facebook.com/Emahendras
KYC
 The full form of KYC is – Know Your Customer
 KYC was introduced by – RBI
 RBI introduced KYC guidelines for all banks in the year - 2002
 The components of KYC – Identity proof , address proof , photographs
 The objective of KYC guidelines is – to prevent banks from criminal money laundering
activities
 KYC day is celebrated on – First working day of august every year
NEFT
 The full form of NEFT is – National Electronic Fund Transfer
 The minimum limit that could be transferred using NEFT – No Limit
 The maximum limit that could be transferred using NEFT – No Limit
 Can remittances be sent abroad using NEFT- No(except Nepal under the Indo-Nepal
Remittance Facility Scheme)
 Can NEFT be used to transfer funds from / to NRE and NRO accounts-Yes
 Maximum amount per transaction for cash-based remittances to Nepal is limited to -
Rs.50,000/-
KISAN CREDIT CARD
 The full form of KCC – Kisan Credit Card
 KCC scheme was intoduced by – GOI , RBI , NABARD
 KCC scheme was introduced in the year – 1998
 The objective of KCC is – to fulfill the credit needs of farmers during cropping season through
banking system.
BSBDA
 The full form of BSBDA is – Basic Saving Bank Deposit Account
 The BSBDA scheme is launched by – RBI
 Who can open BSBDA - Any individual, including poor or those from weaker section of the
society
 BSBDA guidelines are applicable to -all scheduled commercial banks in India including
foreign banks having branches in India.
 As per guidelines issued on 22 august 2012 by RBI, all the existing No-frill accounts opened
by the banks are now converted into – BSBDA
 What is the initial minimum deposit required while opening a Basic saving bank deposit
accounts – Zero Balance
 Join us on- https://www.facebook.com/Emahendras
 How many 'Basic Savings Bank Deposit Account' can an individual have in one bank – Only
one
 Whether there are any restrictions like age, income, amount etc criteria for opening BSBDA
by banks - No
 The BSBDA helps in promoting – Financial Inclusion
BASE RATE
 What is base rate ? – The minimum interest rate of a bank below which it cannot lend to
public
 The BPLR(Benchmark prime lending rate)was introduced in the year - 2003
 The BPLR was converted into base rate on – july 2010
 RBI made mandatory for all banks to introduced w.e.f. – 1
stJuly 2010
 The minimum base rate is fixed by – RBI
SAVING ACCOUNT
 Saving Deposit Accounts are part of – Demand deposits of banks
 The objective of saving account is – to encourage small savings done by people
 The current interest rate on saving account as per RBI is – 4 %
 The minimum interest rate in saving deposit account is fixed by – RBI


PUBLIC SECTOR BANKS
 The majority stake in a public sector bank is held by – Government of India(i.e.more than
50%)
 How many public sector banks are operating within INDIA ? – 27 (BMB recently added)
 Among the public sector banks ,the number of nationalised banks are – 19
 The name of the newly established public sector bank – Bhartiya Mahila Bank
 The headquarter of BMB is located in – New Delhi
 The newly elected chairman of BMB is – Usha Ananthasubramanian
 BMB is started with the initial minimum capital of – Rs.1000 crore
 1st woman chairperson of SBI – Arundhati Bhattacharya
OLYMPIC 2012
 The summer Olympics 2012 was held in – London,UK
 The mascot of London Olympics 2012 - Wenlock
 India won how many medals in 2012 summer Olympics – 6
 How many silver medals won by India in summer Olympics 2012 - 2
 How many bronze medals won by India in summer Olympics 2012 – 4
 Who won maximum number of medals in summer Olympics 2012 – USA(46g,29s,29b=104)
 The rank of India in summer Olympics 2012 – 55
 Who won silver medal in shooting – Vijay Kumar
 Who won silver medal in wrestling – Sushil Kumar
 Who won bronze in shooting – Gagan Narang
 Yogeshwar Dutt won bronze in summer olympics2012.He is related to -wrestling
 Who won bronze in boxing – Mary Kom
 Who won bronze in badminton – Saina Nehwal
 Who was the flag bearer from India in the opening of summer Olympics 2012 ? – Sushil
Kumar
 Who was the flag bearer from India in the closing of summer Olympics 2012? – Mary Kom
ELECTRIC DATA CAPTURE MACHINE(EDC)
 The full form of EDC – Electric Data Capture
 EDS is a computerized system designed for - collection of clinical data in electronic format

GK with Answers FOR IBPS CLK

***Important GK with Answers FOR IBPS CLK***
....................................................
Q-1.: Name the player of USA who created history by grabbing his 22nd Olympic medal?
Ans: Michael Phelps (retires, won 18 gold medals in total).
Q-2.: Which company name is based on river name?
Ans: Nokia
Q-3.: How many medals are won by India in Olympics 2012?
Ans : 6 medals, 4 bronze and 2 silver
Q-4.: Who is the first Indian male shuttler to reach Olympic quarters?
Ans: Parupalli Kashyap.
Q-5.: Which famous explorer visited India in the late 13th century?
Ans : Marco Polo
Q-6.: Name the Indian who won Magsaysay award for community initiatives in Tamil Nadu?
Ans: Kulandei Francis
Q-7.: Where is a tunnel near the Indo-Pak border detected?
Ans: In Samba.
Q-8.: Compound and Recurve are the types of equipment associated with which sports?
Ans: Archery
Q-9.: Bleaching Powder is prepared by passing chlorine through
Ans: Quicklime
Q-10.: The Election commission of India situated in _______?
Ans: New Delhi

Samsung Galaxy S4

Samsung Galaxy S4 an evolution of S III, not revolution?

NEW YORK: Samsung unveiled a slim, feature-rich Galaxy S4 as its new champion to take on Apple in the fiercely competitive smartphone arena.

While some industry analysts gave a thumbs up to the new phone and the plethora of features it boasts of, others refrained from terming it as a path-breaking product. Comparing it to Samsung Galaxy S3, technology analyst Jeff Kagan said, "The Samsung Galaxy S4 is very good, but looks like an evolution to the S3, not a revolution."

"It is now clearly Samsung's flagship device; jam-packed with technology," said Gartner analyst Michael Gartenberg. He also added, "the question is how many of these features will resonate with consumers."

Samsung played up its online hub for music, books, and video and the ease with which the S4 can share video with televisions made by the company.

"At this point, smartphones are all about software and ecosystems; showing up with compelling hardware is the expected starting point," Gartenberg said.

"This is about a Samsung ecosystem that happens to be built on Android."

S4 features include a high-definition, five-inch (12.7-centimeter) screen, enhanced picture-taking capabilities and the capacity to translate to and from nine languages.

"For each of us, life is a journey," said Samsung mobile communications division head JK Shin. "What we want is a device that can join us on that journey; a companion that helps us experience life in the fullest."

Samsung has become the top smartphone maker worldwide with a 29 per cent market share, according to IDC, while in the US market Apple remains the king and sells more than one of every three mobile phones.

PLAY PC GAMES IN WINDOW MODE

D3DWindower, originally the DXWnd alternative native to Japan, has been translated to the English language. It differs very sparingly from DXWnd, and I only recommend trying D3DWindower if DXWnd didn’t work for you.

The process is really the exact same. You’ll want to click the plus sign, which will bring up a prompt to browse for the EXE you want to emulate through D3DWindower. Navigate to it, select it, and it’ll be added to the list. From there, just select the application in the window and hit the start button.

The settings in D3DWinodwer are a little deeper than DXWnd, but you won’t need to bother with most of them.

The translations aren’t perfect in this program, but there’s enough English so that you’ll be able to navigate around without going crazy.

Know of a tool that will allow us to run OpenGL applications as windowed? Share that with us in the comments! If you need any assistance with these two programs or have anything else to ask or contribute, drop me a comment below and I’ll be sure to get back to you.

DOWNLOAD: D3D WINDOW DOWNLOAD

Here is the Best and Easy way to make Money Online and through your phone

Here is the Best and Easy way to make Money Online and through your phone

Well, All you have been to a lot of Google searches on how to make money online, this is probably an end to your all searches and it is the time to get on to the work. This is my best experience ever in online business that I was interested to. Though the business plan which I am going to propose you brings in benefits with lesser counts, this really is most helpful for Indian middle class student for at least his pocket money. This plan may seem like other typical "Binary Tree" schemes but is more easy to implement and faster way to grow up your income.

Yes, I am talking about TATA DOCOMO Apex Telecom -- The World of Opportunities(as I later understood it...!)

I said the scheme is Easy and Faster because our investment will only be Rs 300<<which is 1/4th of our normal bills in Domino's!!! :)>>.

BENEFITS:THE  APEX WAY

 1. You will be joining Apex Family by paying Rs 300, and will be receiving a Mobile Network Booster for free.

2. As you have Right Leg and Left Leg, here also you have the same each one at your left and right.

3. The actual work you need to do is to join the members at your left and right.

4.Ratio will be Left:Right, For first 2:1 or 1:2 ratio you will be receiving Rs 100 and for each of subsequent 1:1 ratio, you will be receiving Rs 100.

you can earn money rs 100 if the pairs done by ur friends under ur downline 

5.The maximum amount of money you can earn per day is Rs 500.

6. So for a monthly basis you are earning 500*30=15,000 at most(which I believe is enough as pocket money for a student life..) 

7.Including the date of your joining, you will have to join one left and one right within 7 days to maintain your daily ceiling pair to 5, otherwise it will fall back to 2. This means that if you don't join two members within the first week, the maximum amount of money you can earn per day will be Rs 200 and on a monthly basis it will be200*30=6,000

8.The payment is made online (NEFT-National Electronic Fund Transfer) directly to your bank account on each Monday.

HOW TO JOIN

1. The process of joining is practically easy and is not so complex as it is literally explained.

2. Apex has its bank Account in different(SBI,AXIS,HDFC,ICICI) banks.Click here to see Apex Bank Account Details

3.Deposit Rs 300 from your nearest bank to Apex Telecom

4.After deposit completed inform your transaction to Apex office to this no - 08885009989.

And also send a mail from your mail id to - info@apextelecom.net.

Then they will send a PIN number to your mail id. Enter the PIN in the joining application form.

5.One Phone Number is necessary for each Joining.

6.CLICK HERE TO JOIN

7. Enter your Phone Number, Name, Address,Email, Bank Account Number and IFSC code of your bank(This is must for NEFT to occur). Google search for IFSC CODE OF YOUR BANK ORCLICK HERE FOR IFSC CODE OF YOUR BANK

8. Placement-Left and Enter the PIN that you have got from the Apex

9.You will receive a password to your Registered Phone Number

10. Go to apextelecom.net and log in to your account with your phone number as the user name and given password. Change your password instantly(Profile-->Change Password)

11.You need a transaction password for all your transactions so please (Wallet-->Transaction Password) to generate your instant transaction password through sms or email.

12. Change your transaction password(Profile-->Change Transaction Password).

TO JOIN OTHERS  

To grow up your tree in a faster rate and to provide a comfort for all those who wish to join, you can purchase the pins by depositing money into Apex bank Account and use those PINS to join new members(as I regularly do it).

PIN PURCHASE:  

 1.By now, you might have figured out that each PIN cost you Rs 300 and to purchase a bunch of pins, decide the number of PINS you need and deposit an amount=number of PINS X 300 to apex bank account as mentioned above(You explicitly do not have to go to the bank each time, you may use online Banking or Mobile banking for Fund transfer purpose.)

2.Login to your Account Go to My Bank-->Payment Information-->check I agree to the above terms-->Submit. 

3. You will be asked to fill the details like, how much money you deposited, which bank, mode of payment(cash/cheque/online/NEFT),IFSC code of the bank in which you deposited the money,Approximate timings and in remarks your phone number. You also have the option to upload your bank receipt to make the transaction faster. 

4.Upon submitting, your money will be credited to My Bank into your account while you receive a sms regarding the same.

5.Go to My bank-->PINS Purchase-->select the number of pins you want and you will have your pins received into your My Pins.

6.To join others, go to apextelecom.net , enter the phone number and click Join Now, fill all the details in the application form, decide placement and type the ACTIVE PIN.

7.You successfully referred a person.       

About Apex Telecom

1.Apex Telecom is a part of Apex Group. Apex Group is one of India’s prominent business houses established in the year 2004 with a diverse portfolio of assets in software development, business solutions, online gaming, investigations, technology-enabled services, infrastructure development, water treatment and online-education.

2.In the business solutions division, Apex has given business and software solutions to more than 800 companies across India. In the process, it has developed contacts of more than 5 million hard core marketing persons. These marketing persons are geared to sell anything and everything with their contacts.

3. The business solution developed by Apex is unique and resembles self employment generation to the subscribers and consumers of the respective companies. Till now Apex has been a back bone to several companies, who sell Insurance, consumer durables, real estate, financial products, etc. The solution is so powerful, that a single entity sells more than 1000 insurance policies per day.

Something More 

If you still want to earn like 20,000 or More, Apex has introduced many more plans, a PDF of which you can DOWNLOAD HERE

for more details contact me at pradeep.pattepuram@gmail.com

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