HBSE Class 9 Question Paper 2021 Banking and Insurance

Code No. 1431
CLASS : 9th (Ninth) Series : 9-April/2021

Roll No.










BANKING & INSURANCE SERVICES
National Skills Qualification Framework (NSQF)
Level - 1
[ fgUnh ,oa vaxzsth ek/;e ]
[ Hindi and English Medium ]
(Only for Fresh/School Candidates)

le; : 2½ ?k.Vs ] [ iw.kk±d : 60
Time allowed : 2½ hours ] [ Maximum Marks : 60
• Ñi;k tk¡p dj ysa fd bl iz'u-i= esa eqfnzr i`"B 8 rFkk iz'u 32 gSaA
Please make sure that the printed pages in this question paper are 8 in number and
it contains 32 questions.
• iz'u-i= esa lcls Åij fn;s x;s dksM uEcj dks Nk= mÙkj-iqfLrdk ds eq[;-i`"B ij fy[ksaA
The Code No. on the top of the question paper should be written by the candidate
on the front page of the answer-book.
• Ñi;k iz'u dk mÙkj fy[kuk 'kq: djus ls igys] iz'u dk Øekad vo'; fy[ksaA
Before beginning to answer a question, its Serial Number must be written.
• mÙkj-iqfLrdk ds chp esa [kkyh iUuk / iUus u NksMsa+A
Don’t leave blank page/pages in your answer-book.
• mÙkj-iqfLrdk ds vfrfjDr dksbZ vU; 'khV ugha feysxhA vr% vko';drkuqlkj gh fy[ksa vkSj fy[kk mÙkj u
dkVsaA
Except answer-book, no extra sheet will be given. Write to the point and do not
strike the written answer.
• ijh{kkFkhZ viuk jksy ua0 iz'u&i= ij vo'; fy[ksaA
Candidates must write their Roll Number on the question paper.
• d`i;k iz'uksa dk mÙkj nsus lss iwoZ ;g lqfuf'pr dj ysa fd iz'u-i= iw.kZ o lgh gS] ijh{kk ds mijkUr bl
lEcU/k esa dksbZ Hkh nkok Lohdkj ugha fd;k tk;sxkA
Before answering the question, ensure that you have been supplied the correct and
complete question paper, no claim in this regard, will be entertained after
examination.

1431 P. T. O.

(2) 1431
uksV % (i) lHkh iz'uksa ds mÙkj nhft,A
Attempt all questions.

(ii) izR;sd iz'u ds vad mlds lkeus fn;s x;s gSaA

Marks are indicated against each question.

(iii) vkids mÙkj vadkuqlkj gksus pkfg,A

Your answer should be according to marks.

[ fucU/kkRed iz'u ]

[ Essay Type Questions ]

1. cSadksa ds fofHkUu dk;kZsa dk o.kZu dhft,A 6

Describe various functions of Banks.

vFkok
OR

vki ekbØksQkbusal ls D;k le>rs gSa \ ekbØksQkbusal o QkWeZy cSafdax esa vUrj crkb,A
What do you mean by Microfinance ? What are difference between
microfinance and formal banking ?

2. laHkkfor xzkgdksa dks izkIr djus dh izfØ;k dk foLr`r o.kZu djsaA 6

Explain in detail the process of acquiring potential customers.

vFkok
OR

ekbØksQkbusal esa iz'uksa dks gy (Resolving queries) dh izfØ;k dk o.kZu djsAa
Explain the process of resolving queries of Microfinance.

(3) 1431
[ y?kq mÙkjh; iz'u ]

[ Short Answer Type Questions ]

3. ekbØksQkbusal ,DthD;wfVo (MFE) ds xq.kksa dk laf{kIr o.kZu djsaA 4

Describe attributes of a Microfinance Executive, in short.

4. KYC dks iwjk djus ds fy, dkSu&ls nLrkost visf{kr gSa \ 4

What are the documents required for completion of KYC ?

5. _.k ds dksbZ pkj y{k.k fy[ksaA 4

Write any four features of Loan.

6. lapkj ds vk/kqfud lk/kuksa dk o.kZu djsaA 4

Briefly explain the modern means of communication.

[ vfr y?kq mÙkjkRed
mÙkjkRed iz'u ]
[ Very Short Answer Type Questions ]

7. ekbØksQkbusal ds fy, xzkgdksa dk {ks= fy[ksaA 2

Write territory of customerce for microfinance have.

8. jsQjy iwNrkN ls vki D;k le>rs gSa \ 2

What do you mean by Referral Enquiries ?

9. _.k vkosnu esa D;k ?kks"k.kk nh tkrh gS \ 2

What is the declaration given in a loan application ?

10. 'kk[kk esa Vhe }kjk ØkWl psd nh ØsfMV psd dh D;k vko';drk gS \ 2

What is the need to cross check the credit check by team at branch ?

1431 P. T. O.

(4) 1431
11. QqVdj [kaM ds _.k D;k gSa \ 2

What are retail segment loans ?

12. Non-verbal v'kkfCnd lapkj ls vki D;k le>rs gSa \ 2

What is meant by non-verbal communication ?

[ oLrqfu"B iz'u ]

[ Objective Type Questions ]

13. lu~ 1969 esa Hkkjrh; ljdkj us fdrus okf.kT; cSadksa dk jk"Vªh;dj.k fd;k \ 1

(A) 14 (B) 15

(C) 20 (D) 8
How many commercial banks were nationalized by the Government of India in
1969 ?

(A) 14 (B) 15

(C) 20 (D) 8

14. fdl fo/ks;d esa cSafdax dh vkSipkfjd ifjHkk"kk dkuwuh :i ls nh xbZ \ 1

(A) Hkkjrh; fjt+oZ cSad vf/kfu;e] 1934
(B) cSafdax jsxqys'ku vf/kfu;e] 1949
(C) Hkkjrh; vuqcU/k vf/kfu;e] 1872
(D) cSadlZ cqd ,foMsal vf/kfu;e
In which act a formal definition of banking, with a legal support has been
given ?

(A) Reserve Bank of India Act, 1934

(B) Banking Regulation Act, 1949

(C) Indian Contract Act, 1872

(D) Bankers Books Evidence Act

(5) 1431

15. xjhc m/kkjdrkZ tekur ds fy, dksbZ ---------- ugha nsrs gSaA ¼fjDr LFkku Hkjsa½ 1

Poor borrowers do not have any …………… to offer as security. (Fill in the blank)

16. ekbØksQkbusal dsoy ------------ izfØ;k rd gh lhfer ugha gSA ¼fjDr LFkku Hkjs½a 1

The term 'microfinance is not limited only to …………. activities. (Fill in the blank)

17. RBI }kjk NBFC-MFI ds foLr`r fu;eu LVªDpj dc ifjpkfyr fd;k x;k \ 1

(A) fnlEcj] 2011 (B) fnlEcj] 2015
(C) ekpZ] 2011 (D) fnlEcj] 2012
When detailed regulatory structure of NBFC-MFI was circulated by RBI ?

(A) December, 2011 (B) December, 2015

(C) March, 2011 (D) December, 2012

18. ekbØksQkbusal Executive dks lekt ds xjhc yksxksa ls fuiVus ds fy, izkÑfrd LoHkko gksuk pkfg,A 1
¼lgh ;k xyr½
ME should have a natural flair to deal with the poor people of the society.

(True or False)

19. fuEu esa ls dkSu&lk irs dk izek.k ugha gS \ 1

(A) fctyh fcy (B) ujsxk dkMZ
(C) esfMdy izek.k&i= (D) jk'ku dkMZ
Which one is not the address proof ?

(A) Electricity Bill (B) NREGA Card

(C) Medical Certificate (D) Ration Card

1431 P. T. O.

(6) 1431

20. ,d ik= xzkgd dks de&ls&de fdrus o"kksZa ds fy, leqnk; dk fuoklh gksuk pkfg, \ 1

(A) rhu o"kZ (B) nks o"kZ
(C) ik¡p o"kZ (D) lkr o"kZ
Number of years an eligible customer has to be a resident in community for at
least :

(A) Three years (B) Two years

(C) Five years (D) Seven years

21. ,d ------------ esa mRikn@Ldhe dh lHkh lwpuk,¡ gksrh gSaA ¼fjDr LFkku Hkjsa½ 1

A ………… contains all information about the products/schemes.

(Fill in the blank)

22. fuEu esa ls dkSu&lk ,d ifjokj dk [kpZ ugha gS \ 1

(A) [kkuk (B) ?kj
(C) lgk;rk (D) f'k{kk
Which one is not an expenditure of family ?

(A) Food (B) Shelter

(C) Subsidy (D) Education

23. xzkgd ds PAN dkMZ dh tk¡p ------------ Site ij dh tk ldrh gSA ¼fjDr LFkku Hkjsa½ 1

PAN card of the customer can be verified on the …………. site. (Fill in the blank)

24. KYC dk iw.kZ :i fy[ksaA 1

Write full form of KYC.

(7) 1431

25. O;fDrxr _.k xzkgd }kjk fdlh Hkh mís'; esa iz;ksx fd;k tk ldrk gSA ¼lgh ;k xyr½ 1

Personal loans can be used by the borrower for any purpose. (True or False)

26. cSad fdlku dks lksus vkSj pk¡nh ds vkHkw"k.kksa dks fxjoh ¼cU/kd½ j[k dj _.k ugha nsrs gSaA 1

¼lgh ;k xyr½
Banks do not finance farmers against pledge of gold and silver ornaments.

(True or False)

27. vkof/kd _.k dk dk;Zdky ,d o"kZ ls vf/kd gksrk gSA ¼lgh
¼l gh ;k xyr½ 1

The tenure of term loan is more than one year. (True or False)

28. MCLR dk iw.kZ :i fy[ksaA 1

Write full form of MCLR.

29. ekSf[kd lapkj dk lgh mnkgj.k gS % 1

(A) fjiksVZ (B) v[kckj
(C) uksV~l (D) vkeus&lkeus fopkj foe'kZ
The correct example of oral communication is :

(A) Reports (B) Newspapers

(C) Notes (D) Face to face conversation

30. bZekunkj 'kkjhfjd eqnzk D;k iznf'kZr djrh gS \ 1

(A) vkRefo'okl (B) Mj
(C) 'keZ (D) cqf)eÙkk

1431 P. T. O.

(8) 1431
What does an upright body posture convey ?

(A) Confidence (B) Fear

(C) Shyness (D) Intelligence

31. Qksu ij lwpuk dSls izkIr djrs gSa \ 1

(A) fy[kdj (B) cksydj

(C) lqudj (D) mijksDr lHkh

How do you receive information on phone ?

(A) Writing (B) Speaking

(C) Listening (D) All of the above

32. lUns'kokgu ¼lapkj½ lwpukvksa dk nks rjg ls fofue; gSA ¼lgh ;k xyr½ 1

Communication is a two-way exchange of information. (True or False)

S