CBSE Class 10 Sample Paper 2026 for Banking and Insurance

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SAMPLE
PAPER
2026

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CBSE | DEPARTMENT OF SKILL EDUCATION
BANKING AND INSURANCE (SUBJECT CODE - 411)
Blue-print for Sample Question Paper for Class X (Session 2025-2026)
Max. Time: 2 Hours Max. Marks: 50

PART A - EMPLOYABILITY SKILLS (10 MARKS):
OBJECTIVE TYPE SHORT ANSWER
UNIT TOTAL
NAME OF THE UNIT QUESTIONS TYPE QUESTIONS
NO. QUESTIONS
1 MARK EACH 2 MARKS EACH
1 Communication Skills - II 1 1 2
2 Self-Management Skills - II 2 1 3
3 ICT Skills - II 1 1 2
4 Entrepreneurial Skills - II 1 1 2
5 Green Skills - II 1 1 2
TOTAL QUESTIONS 6 5 11
NO. OF QUESTIONS TO BE ANSWERED Any 4 Any 3 07
TOTAL MARKS 1x4=4 2x3=6 10 MARKS

PART B - SUBJECT SPECIFIC SKILLS (40 MARKS):
SHORT DESCRIPTIVE/
OBJECTIVE
ANSWER LONG ANS.
TYPE TOTAL
UNIT TYPE TYPE
NAME OF THE UNIT QUESTIONS QUESTIO
NO. QUESTIONS QUESTIONS
1 MARK 2 MARKS NS
4 MARKS EACH
EACH EACH
LAWS RELATING
1. TO NEGOTIABLE 3 1 1 5
INSTRUMENTS
LENDING
2. FUNCTIONS OF A 6 1 1 8
BANK
UTILITY SERVICES
3. 6 2 1 9
OF A BANK
LIFE INSURANCE
4. 6 1 1 8
PRODUCTS
GENERAL
5. 3 1 1 5
INSURANCE
TOTAL QUESTIONS 24 6 5 35
NO. OF QUESTIONS
20 Any 4 Any 3 27
TO BE ANSWERED
TOTAL MARKS 1 x 20 = 20 2x4=8 4 x 3 = 12 40 MARKS

411 Banking & Insurance X Page 1 of 7

CBSE | DEPARTMENT OF SKILL EDUCATION
BANKING AND INSURANCE (SUBJECT CODE - 411)

Sample Question Paper for Class X (Session 2025-2026)
Max. Time: 2 Hours Max. Marks: 50

General Instructions:
1. Please read the instructions carefully.
2. This Question Paper consists of 21 questions in two sections: Section A & Section B.
3. Section A has Objective type questions whereas Section B contains Subjective type
questions.
4. Out of the given (5 + 16 =) 21 questions, a candidate has to answer (5 + 10 =) 15
questions in the allotted (maximum) time of 2 hours.
5. All questions of a particular section must be attempted in the correct order.
6. SECTION A - OBJECTIVE TYPE QUESTIONS (24 MARKS):
i. This section has 05 questions.
ii. Marks allotted are mentioned against each question/part.
iii. There is no negative marking.
iv. Do as per the instructions given.
7. SECTION B – SUBJECTIVE TYPE QUESTIONS (26 MARKS):
i. This section has 16 questions.
ii. A candidate has to do 10 questions.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.

411 Banking & Insurance X Page 2 of 7

SECTION A: OBJECTIVE TYPE QUESTIONS

Q. 1 Answer any 4 out of the given 6 questions on Employability Skills (1 x 4
= 4 marks)
i. Ability to work independently can be enhanced by 1
a) negative stress
b) Low positivity
c) self-motivation
d) Supervision
ii. Stress is the mental stage which symptom may not reflect stress 1
a) irritation
b) impatience
c) self-awareness
d) loneliness
iii. An operating system is a software that serves as an interface between 1
a) user and computers
b) server and computer
c) computer and network
d) computer without CPU
iv. Which panel allows you to change the setting of the computer? 1

v. Which of the following statements is not correct about entrepreneurs? 1
a) Entrepreneurs accentuate economic growth.
b) Entrepreneurs can create jobs in the market.
c) Entrepreneurs identify a need in the market and build a product
or service for it.
d) A person needs to have a big business to be called an
entrepreneur.
vi. Which of the following is not the function of entrepreneur? 1
a) Risk taking
b) Innovation
c) Management of resources
d) Makes own laws

Q. 2 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. Cheque is always drawn on 1
a) specified banker
b) an account
c) demand
d) anybody who has to pay
ii. A negotiable instrument can be negotiated 1
a) by mere delivery if payable to bearer
b) by endorsement and delivery if payable to order
c) by endorsement only
d) by order only

411 Banking & Insurance X Page 3 of 7

iii. The maker of a bill of exchange is called and the person 1
directed to pay is
a) drawee and drawer
b) drawer and drawee
c) drawer and payer
d) drawee and payee
iv. Advance limit against are considered secured because 1
documents of title of goods are generally with such bills.
a) bill receivable
b) guarantee
c) credit worthiness
d) comfort letter
v. Which of the following is not an Advantage of overdraft? 1
a) It is an important source of working capital financing.
b) IT can be obtained very easily and quickly.
c) An overdraft facility is a close ended facility.
d) Interest is charged only on the utilized amount.
vi. Interest rate varies with market conditions. 1
a) fixed
b) floating
c) fixed and rigid
d) flat

Q. 3 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)

i. Who fixes the base rate? 1

ii. In a mortgage, which fee is not paid by borrower? 1
a) searching fees
b) application fees
c) inspection fees
d) payment fees
iii. is a plastic card containing the name of the holder and 1
gradation of customers’ creditworthiness?
a) Debit card
b) Debit cum ATM card
c) Credit card
d) Customer card
iv. Mohan sends his employee Rakesh to deposit the DD received from 1
his customer for payment. On the way to bank somehow Rakesh lost it
and was not able to locate it. He informed his employer Mohan about
the same. Mohan is confused that if the DD is lost in transit, who can
stop payment of the lost DD?
v. A bank locker cannot be assigned to 1
a) Adult
b) Firm or Association
c) Minor
d) Single or Joint basis

411 Banking & Insurance X Page 4 of 7

vi. The bank which initiate ECS credit is known as 1
a) sponsor Bank
b) destination Bank
c) beneficiary Bank
d) facility Bank

Q. 4 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)

i. Internet banking cannot be used for 1
a) Payment of bills
b) Credit card due
c) Insurance premium
d) Receiving payment of crossed cheque
ii. How do we get OTP for internet transactions? 1

iii. In order to rent a safe deposit locker one must have with a 1
particular Bank.
a) Saving account
b) Recurring deposit account
c) Current account
d) Locker account
iv. is a financial cover for a contingency or risk linked with 1
human life.
a) Wife insurance
b) Life insurance
c) Comprehensive insurance
d) General insurance
v. Which insurance contract is not a contract of indemnity? 1
a) Fire
b) Life
c) Health
d) marine
vi. What makes a life insurance policy a safe investment? 1
a) Insurance sector is regulated by IRDA
b) Insurance companies provide loans to big businessmen only.
c) Insurance Company gives claims in the event of death.
d) They take very less premiums.

Q. 5 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)

i. Life Insurance is an effective tool of saving, but it does not ensure 1
financial security to .
a) spouse
b) children
c) dependent parents
d) banks

411 Banking & Insurance X Page 5 of 7

ii. In a ‘Term plan’ the insured is paid only if occurs during 1
the term of the policy.
a) Maturity
b) Death
c) Event
d) Nothing
iii. Burglary and theft insurance covers all losses except 1
a) Theft
b) Burglary
c) Robbery
d) Business losses
iv. Name the policy that is taken on the life of the parent/child for the 1
benefit of the child.
v. The maximum amount of which the insured can as 1
compensation is agreed at the time of contract.
a) Claim
b) Pay
c) Take
d) Transfer
vi. A cover helps in reducing the burden of medical bills
and expenditure.
a) Medicine
b) Personal accident
c) Health Insurance 1
d) Accident

SECTION B: SUBJECTIVE TYPE QUESTIONS
Answer any 3 out of the given 5 questions on Employability Skills (2 x 3 = 6 marks)
Answer each question in 20 – 30 words.

Q. 6 M have to perform his best in the next cricket match so to get a chance to 2
play for his school at the national level cricket tournament. He have been
anxious (worried or stressed) for the upcoming match Give him any two
benefits of stress management which makes it vital for him to perform.

Q. 7 How the ‘Ability to work independently’ can be enhanced. Give any two 2
reasons.

Q. 8 What is a taskbar? Briefly explain. 2

Q. 9 State the concept of small scale entrepreneurship. 2

Q. 10 Write a short note on the importance of good communication for an 2
entrepreneur.

411 Banking & Insurance X Page 6 of 7

Answer any 4 out of the given 6 questions in 20 – 30 words each (2 x 4 = 8
marks)
Q. 11 What is a cheque ? 2

Q. 12 Mr. S is a factory-owner and he pays wages to his workers within first 10 2
days of every month and himself receives payment of the business only
after the 20th day of every month therefore, he is facing difficulty in paying
wages. If he opens a new loan account, then which type of loan facility
should he go for it? State any one feature of same as well.

Q. 13 What is the concept of demand draft? Why it is preferred over cheque? 2

Q. 14 Why do banks insist on financial Collateral while assigning locker? 2

Q. 15 State any two features of money back policy. 2

Q. 16 What is fire insurance? 2

Answer any 3 out of the given 5 questions in 50– 80 words each (4 x 3 =
12 marks)

Q. 17 Define crossing. Explain different types of crossings of cheque. 4

Q. 18 M needs a loan from a bank but he doesn’t have any mortgage to keep with 4
the bank and nor does he have any person to guarantee him. Which kind of
loan he can apply and explain its two types in detail.

Q. 19 Yash opened a new account with SBI. And also got the form filled for getting 4
his internet facility attached to account. The bank official asked him about his
awareness for risk attached to internet banking. Help Yash in knowing all risk
attached to it.

Q. 20 Ravi wants to buy an insurance policy for himself, which policy should he 4
buy? Explain the steps involved in taking the insurance policy.

Q. 21 Explain various types of Marine insurance. 4

411 Banking & Insurance X Page 7 of 7

Study Materials
Notes

Model Papers Class 6 Notes

Sample Papers Class 7 Notes
Half Yearly Sample Papers Class 8 Notes

Class 9 Notes
Important Resources
Class 10 Notes
Periodic Table
Class 11 Notes
Writing Skills / Formats

Maps of India / World Class 12 Notes

Books and Solutions

NCERT Books
NCERT Book Solutions
HC Verma Chapter Wise Solutions
RD Sharma Solutions
CGBSE Solutions