HBSE Class 12 Question Paper 2025 Banking, Finance & Insurance Services

CLASS : 12th (Sr. Secondary) Code No. 2246
Series : SS/Annual Exam.-2025
Roll No.

BANKING FINANCIAL SERVICES AND INSURANCE

National Skills Qualification Framework (NSQF)

Level – 4

(Only for Fresh/Re-appear/Improvement/Additional Candidates)

Time allowed : 2 : 30 hours ] [ Maximum Marks : 60

• Ñi;k tk¡p dj ysa fd bl iz'u&i= esa eqfnzr i`"B 8 rFkk iz'u 30 gSaA
Please make sure that the printed pages in this question paper are 8 in number and
it contains 30 questions.

• iz'u&i= esa nkfgus gkFk dh vksj fn;s x;s dksM uEcj dks Nk= mÙkj&iqfLrdk ds eq[;&i`"B ij fy[ksaA
The Code No. on the right side 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.

2246 P. T. O.

(2) 2246
• ijh{kkFkhZ viuk jksy ua0 iz'u&i= ij vo'; fy[ksaA jksy ua0 ds vfrfjDr iz'u&i= ij vU; dqN Hkh u
fy[ksa vkSj oSdfYid iz'uksa ds mÙkjksa ij fdlh izdkj dk fu'kku u yxk,¡A
Candidates must write their Roll No. on the question paper. Except Roll No. do not
write anything on question paper and don't make any mark on answers of objective
type questions.
• d`i;k iz'uksa ds 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 questions, ensure that you have been supplied the correct and
complete question paper, no claim in this regard, will be entertained after
examination.
lkekU; funsZ'k %
General Instructions :
(i) lHkh iz'u vfuok;Z gSaA
All questions are compulsory.

(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 their marks.

[k.M – v
SECTION – A
[ oLrqfu"B iz'u ]
[ Objective Type Questions ]

1. fuEu esa ls dkSu&lk vfu;fer [kkrs ls lEcfU/kr gS \ 1
(A) lafnX/k lEifÙk;k¡ (B) voekud lEifÙk;k¡
(C) (A) rFkk (B) nksuksa (D) mijksDr esa ls dksbZ ugha

(3) 2246
Which of the following is concerned with irregular loan Accounts ?
(A) Doubtful Assets (B) Sub-standard Assets
(C) Both (A) and (B) (D) None of the above

2. ewY;o/kZu lsokvksa dk vFkZ gS % 1
(A) egaxh lsok,¡ (B) vfrfjDr lsok,¡
(C) izhfe;e ij cf<+;k eky (D) mijksDr lHkh
Value added services means :
(A) Costlier Services (B) Additional Services
(C) Better value at premium (D) All of the above

3. Hkkjr dk dsUnzh; cSad dkSu&lk gS \ 1
Which is the Central Bank of India ?

4. NEFT ladsrk{kj dk iwjk :i fyf[k,A 1
Write full form of abbreviation NEFT.

5. Hkkjr ljdkj us ubZ ck;ks&¶+;wy uhfr dc ykxw dh \ 1
When was the new Bio-fuel policy implemented by the Government of India.

6. uwru us viuk QwM jsLVksjsUV 'kq: fd;kA uwru dgyk,xh ----------------A ¼fjDr LFkku Hkfj,½ 1
Nutan Started her food restaurant. She is ..................... . (Fill in the blanks)

7. ladsrk{kj 'CNG' dk iw.kZ :i fyf[k,A 1
Write full form of abbreviation 'CNG'.

8. fuEu esa ls dkSu&lk lfØ; Jo.k ds ekxZ eas vojks/k gS \ 1
(A) vk¡[k feykuk (B) izfrfØ;k nsuk
(C) 'kksj (D) bueas ls dksbZ ugha

2246 P. T. O.

(4) 2246
Which of the following is a barrier to active listening ?
(A) Eye contact (B) Feedback
(C) Noise (D) None of these

9. ldkjkRed n`f"Vdks.k O;fDr dks izlUu j[krk gSA ¼lgh@xyr½ 1
A positive attitude makes a person happier. (True/False)

10. dEI;wVj esa dksbZ lkexzh lqjf{kr j[kus ds fy, dkSu&lh daqth dk iz;ksx gksrk gS \ 1

Which key is used to save some material in Computer ?

11. m|eh dh dkSu&lh ,d fo'ks"krk gksrh gS \ 1
(A) tksf[ke okgd (B) uokpkj
(C) l`tukRedrk (D) mijksDr lHkh

Which of the following is an feature of Entrepreneur ?
(A) Risk taker (B) Innovation
(C) Creativity (D) All of the above

12. LVkVZ&vi ds fy, 50,000 #i, rd dk _.k fdl Js.kh esa vkrk gS \ 1
(A) fd'kksj _.k (B) r#.k _.k
(C) f'k'kq _.k (D) mijksDr esa ls dksbZ ugha
Loan upto Rs. 50,000 comes under which category ?
(A) Kishore loan (B) Tarun loan
(C) Shishu loan (D) None of the above

13. cSafdax laxBu esa vko';d vH;kl gS % 1
(A) la?k"kZ dk lek/kku (B) vkilh lEeku
(C) v[k.Mrk (D) mijksDr lHkh

(5) 2246
Which of the following is a ethical practices in Banking ?

(A) Resolving Conflict (B) Mutual respect
(C) Integrity (D) All of the above

14. lkekU;r;k f'kdk;rs] fuEu esa ls fdlds dkj.k iSnk gksrh gSa \ 1

(A) vf/kdkjh ds fo'okl dh deh (B) vf/kdkjh ds Kku dh deh
(C) vf/kdkjh dk mnklhu O;ogkj (D) mijksDr lHkh
Normally, complaints may arise due to :

(A) Lack of confidence of the official (B) Lack of knowledge of the official
(C) Indifferent attitude of the official (D) All of the above

15. vFkZiw.kZ f'kdk;rdrkZ cfgeqZ[kh gksrs gSaA ¼lgh@xyr½ 1
The expressive complainers are extrovert. (True/False)

[k.M – c
SECTION – B
[ vfry?kq
vfry?kq mÙkjh; iz'u ]
[ Very Short Answer Type Questions ]

16. psd ds }kjk Hkqxrku ls D;k vfHkizk; gS \ 2
What is meant by payment through cheque ?
OR
cSafdax miHkksDrk dh f'kdk;rksa dks ifjHkkf"kr dhft,A
Define Banking Customer Complaints.

2246 P. T. O.

(6) 2246
17. nksgjk, tkus okys iz'ukas dh O;k[;k dhft,A 2
Explain repetitive queries.
OR
EMI D;k gS \
What is EMI ?

18. lkaLd`frd laosnu'khyrk D;k gS \ 2
What is cultural sensitivity ?

19. Hkz"Vkpkj dk vFkZ crkb,A 2
Write the meaning of corruption.

20. gfjr tkWc ds nks ykHk crkb,A 2
State two benefits of Green Job.

21. m|eh ds nks dk;ks± dk mYys[k dhft,A 2
Describe two functions of an Entrepreneur.

[k.M – l
SECTION – C
[ y?kq
y?kq mÙkj
mÙkjh;
Ùkjh; iz'u ]
[ Short Answer Type Questions ]

22. miHkksDrk MkVk ds fofHkUu izdkj dkSu&dkSu ls gSa \ 3
What are the various types of customer data ?

23. fdvksLd&cSafdax }kjk nh tkus okyh fdUgha rhu lsokvksa dk o.kZu dhft,A 3
Explain any three services offered by Kiosk-Banking.

(7) 2246
24. _.k dh fofHkUu voLFkkvksa dk o.kZu dhft,A 3
Explain the different stages of loan.

25. _.k dh pwd ds izHkkoksa dk mYys[k dhft,A 3
Describe the consequences of defaulting on a loan.

26. leUo; dh rhu fo'ks"krk,¡ crkb,A 3
State three features of co-ordination.
OR
izfriqf"V dh dksbZ rhu fo'ks"krk,¡ crkb,A
State any three features of feedback.

27. xzkgd laca/k izcU/ku ls vkidk D;k vfHkizk; gS \ 3
What do you understand by customer relationship management ?

OR
O;kikj eas uSfrdrk ls D;k vfHkizk; gS \
What is meant by Ethics in Business ?

[k.M – n
SECTION – D
[ nh?kZ mÙkjh; iz'u ]
[ Long Answer Type Questions ]

28. fdvksLd&cSafdax dh fo'ks"krkvksa dk o.kZu dhft,A 5
Explain the features of Kiosk-Banking.

2246 P. T. O.

(8) 2246
OR
xzkgdksa dh f'kdk;rksa ds fuokj.k dh izfØ;k le>kb,A
Discuss the process of resolving customer complaints.

29. fcØh ds ckn nh tkus okyh lsokvksa ds izdkj crkb,A 5
State the types of Post Sale Services.
OR
xzkgd lsok D;k gS \ lw{efoÙk eas bldh D;k Hkwfedk gSa \
What is Customer Service ? What is its role in micro-finance ?

30. vPNs Jksrk ds xq.kkas@ykHkksa dk o.kZu dhft,A 5
Explain the Qualities/Advantages of good listener.

OR
lEizs"k.k dkS'ky ds fofHkUu izdkj crkb,A
Discuss in detail different types of communication skills.

S