HBSE Class 12 Question Paper 2021 Banking and Insurance

CLASS : 12th (Sr. Secondary) Code No. 250
Series : SS-April/2021
Roll No.

BANKING & INSURANCE
[ fgUnh ,oa vaxzsth ek/;e ]

[ Hindi and English Medium ]

(Academic)

(Only for Fresh/School Candidates)

Time allowed : 2 21 hours ] [ Maximum Marks : 60

• d`i;k tk¡p dj ysa fd bl iz'u-i= esa eqfnzr i`"B 7 rFkk iz'u 28 gSaA
Please make sure that the printed pages in this question paper are 7 in number and
it contains 28 questions.
• iz'u-i= esa nkfgus gkFk dh vksj fn;s x;s dk
dkssM 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.
• d`i;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 questions, ensure that you have been supplied the correct and
complete question paper, no claim in this regard, will be entertained after
examination.

250 P. T. O.

(2) 250
uksV % (i) lHkh ç'u gy djus gSaA çR;sd ç'u ds vad mlds lkeus n'kkZ, x, gSaA
All questions are to be attempted. Marks of each question are indicated
against it.
(ii) ç'u la[;k 1 ls 8 rd oLrqfu"B çdkj ds iz'u gSaA budk mÙkj ,d 'kCn ;k ,d okD; esa fy[kuk
gSA
Question Nos. 1 to 8 are objective type. Write answer in one word or one
sentence.

(iii) ç'u la[;k 9 ls 14 rd cgqoSdfYid ç'u gSaA ftuds lgh mÙkj pqudj viuh mÙkj-iqfLrdk esa
fy[kus gSaA
Question Nos. 9 to 14 are multiple choice questions. Candidates are required
to select one appropriate answer and write the same in their answer book.
(iv) ç'u la[;k 15 ls 20 rd ds mÙkj 20 ls 30 'kCnksa esa rFkk ç'u la[;k 21 ls 26 rd ds
mÙkj 30 ls 40 'kCnksa esa fy[kus gSaA
Give answer question Nos. 15 to 20 in 20 to 30 words and Question Nos. 21
to 26 in 30 to 40 words.
(v) ç'u la[;k 27 vkSj 28 esa vkUrfjd NwV miyC/k gSA
Internal choice is available in Question Nos. 27 and 28.

1. chek dEifu;ksa ds fy, eq[; vk; dk òksr D;k gS \ 1

What is Prime Source of income for the insurance company ?

2. Immediate okf"kZdh esa Hkqxrku dc vkjEHk gksrk gS \ 1

When payments are commenced under Immediate Annuity ?

3. Comprehensive Financial Planning ds fdrus dUVsUV~l gSa \ 1

How many contents are of Comprehensive Financial Planning ?

4. foÙkh; ;kstuk,¡ fdruh izdkj dh gksrh gSa \ 1

How many types of Financial Planning are there ?

250

(3) 250

5. IRDA dk iw.kZ :i fyf[k,A 1

Write full form of IRDA.

6. ys[kkadu izfØ;k ds ekud ……………. ds }kjk cuk, tkrs gSaA ¼fjDr LFkku Hkjsa½ 1

Standardizing of accounting Procedures in India is done by …….. .

(Fill in the blank)

7. chek ds izLrko dks Lohdkj ;k jí dkSu djrk gS \ 1

Who takes decision to accept or reject a proposal for insurance ?

8. euq"; dks lHkk ds fy, ……………. jax dh deht iguuh pkfg,A ¼fjDr LFkku Hkjsa½ 1

Men should wear …………….. coloured shirts for a meeting. (Fill in the blank)

9. xEHkhj fodykax vkfJr ds lUnHkZ esa /kkjk 80DD ds vUrxZr dVkSrh gksxh % 1
(A) ` 75,000 (B) ` 1,25,000
(C) ` 1,00,000 (D) ` 1, 50,000
Where the handicapped dependent is suffering from severe disability. Which is
allowable for deduction under sec. 80DD :
(A) ` 75,000 (B) ` 1,25,000
(C) ` 1,00,000 (D) ` 1, 50,000

10. Jh jktu ` 6,20,000 okf"kZd dekrs gSa] mudk [kqn ij [kpZ 1,24,000 okf"kZd gSA ;fn C;kt dh nj
8% gS rks mlds HLV gksxh % 1
(A) ` 4,96,000 (B) ` 77,50,000
(C) ` 62,00,000 (D) buesa ls dksbZ ugha
Mr. Rajan earns ` 6,20,000 a year and spends ` 1,24,000 on himself. Suppose
the rate of interest is 8% then HLV will be :
(A) ` 4,96,000 (B) ` 77,50,000
(C) ` 62,00,000 (D) None of the above

250 P. T. O.

(4) 250

11. tc Oghdy (Vehicle) 1 ls 2 o"kZ iqjkuk gS] rks ml ij Ðkl dh nj gksxh % 1

(A) 5% (B) 30%

(C) 15% (D) 20%

When the age of vehicle is 1 to 2 year, then rate of Depreciation will be
applicable :

(A) 5% (B) 30%

(C) 15% (D) 20%

12. iqLrikyu essa fuEu esa ls dkSu ls lkSns ugha fy[ksa tkrs gSa \ 1

(A) lkekftd lkSns (B) foÙkh; lkSns
(C) okf.kT; lkSns (D) mijksDr lHkh
Which type of transactions is not recording in book-keeping ?

(A) Social transactions (B) Financial transactions

(C) Commercial transactions (D) All of the above

13. ,d chek ,tsUV dh lsok fuo`fÙk vxj gksrh gS % 1
(A) 60 o"kZ (B) 58 o"kZ
(C) 55 o"kZ (D) lsok fuo`fÙk dh vk;q dh dksbZ lhek ugha gS
The retirement age of an insurance agent is :
(A) 60 years (B) 58 years
(C) 55 years (D) No retirement age

14. O;olkf;d dkMZ bl izdkj izLrqr djuk pkfg, % 1

(A) ,d gkFk ls (B) nksuksa gkFkksa ls
(C) est+ ij j[k nsa (D) mijksDr lHkh rjhdksa ls
250

(5) 250
Business cards should be presented :

(A) with one hand (B) With both hands

(C) Put on table (D) All of the above

15. 'kq) izhfe;e D;k gS \ 2

What is Net Premium ?

16. Deferred Annuity ls vki D;k le>rs gSa \ 2

What do you mean by Deferred Annuity ?

17. eksVj-lkbfdy iSdst ikWfylh ds vUrxZr Add-on cover D;k gS \ 2

What are add-on covers under a Motor cycle Package Policy ?

18. laf{kIr esa thou chek Revenue Account dk o.kZu djsaA 2

Explain in brief, Life Insurance Revenue Account.

19. ,d Actuary dkSu cu ldrk gS \ 2

Who can become an actuary ?

20. gkFk feykus ij ,d cgqr gh laf{kIr uksV fyf[k,A 2

Write a very short note on Handshake.

21. Loading lfgr Office Premium dk o.kZu dhft,A 3

Explain office premium including Loading.

22. Group Insurance Policy ds ykHk crkb,A 3

Write the benefits of the Group Insurance Policy.

250 P. T. O.

(6) 250

23. foÙkh; ;kstukvksa ds dksbZ rhu ykHkksa dk o.kZu dhft,A 3

Explain any three advantages of Financial planning.

24. fofHkUu izdkj ds mís'; (Goals) dk laf{kIr esa o.kZu dhft,A 3

Explain in brief various types of Goals.

25. ,d lQy ,tsUV dh izksQkby dk o.kZu djsaA 3

Discuss the profile of a successful agent.

26. Good Office Etiquette ds dksbZ rhu ykHk fyf[k,A 3

Write any three advantages of good office etiquette.

27. fofHkUu izdkj ds O;fDrxr Personal Accident Insurance Policy ds vUrxZr Vscy D, C, B
vkSj A dk o.kZu dhft,A 2, 6

Explain Table D, C, B and A under different individual Personal Accident
Insurance Policy.

vFkok

OR

Liability Policy rFkk Package Policy dk o.kZu dhft,A

Explain Liability Policy and Package Policy.

250

(7) 250

28. ys[kkadu ekudksa ls vki D;k le>rs gSa \ ys[kkadu ekudksa ls lEcfU/kr Salient Points dk o.kZu
dhft,A 4, 4

What do you mean Accounting standard ? Explain salient Points related to
Accounting standards.

vFkok
OR

fofHkUu izdkj ds nkoksa (Claims) dh ys[kkadu izfof"V;k¡ nhft, tSls % Liability creation and
payments rFkk Repudiation of claim and liability.

Give Accounting entries for different type of claims i.e. Liability creation and
payments and Repudiation of claim and liability.

S

250 P. T. O.