CBSE Class 12 Question Paper 2026 Solution Banking

FOR CBSE CLASS 12 EXAM PREPARATION

CBSE Class 12 2026
Question Paper
Solution · Banking
EXAM YEAR TYPE SUBJECT

CBSE Class 12 2026 Question Paper Solution Banking

Notes · Sample Papers · Previous Year Papers · Mock Tests

m
m .co

m .co s e m
se g l a
a

m
m .co
.co s e m
s em g l a
l a a
ag

m
m .co
s e
g la
a

m
m .co
m .co s e m
s e g l a
g la a
a

m .
.co s e m
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 1 of 11

Marking Scheme
Strictly Confidential
(For Internal and Restricted use only)
Senior Secondary School Examination, 2026 (XIIth)
SUBJECT NAME : Banking (Q.P. CODE 811/335)

General Instructions: -
1 You are aware that evaluation is the most important process in the actual and correct
assessment of the candidates. A small mistake in evaluation may lead to serious
problems which may affect the future of the candidates, education system and
teaching profession. To avoid mistakes, it is requested that before starting evaluation,
you must read and understand the spot evaluation guidelines carefully.
2 “Evaluation policy is a confidential policy as it is related to the confidentiality
of the examinations conducted, evaluation done and several other aspects. Its
leakage to public in any manner could lead to derailment of the examination
system and affect the life and future of millions of candidates. Sharing this
policy/document to anyone, publishing in any magazine and printing in
Newspaper/Website, etc. may invite action under various rules of the Board
and IPC.”
3 Evaluation is to be done as per instructions provided in the Marking Scheme. It should
not be done according to one’s own interpretation or any other consideration. Marking
Scheme should be strictly adhered to and religiously followed. However, while
evaluating, answers which are based on latest information or knowledge and/or
are innovative, they may be assessed for their correctness otherwise and due
marks be awarded to them. In Class-X, while evaluating two competency-based
questions, please try to understand given answer and even if reply is not from
marking scheme but correct competency is enumerated by the candidate, due
marks should be awarded.
4 The Marking scheme carries only suggested value points for the answers.
These are in the nature of Guidelines only and do not constitute the complete answer.
The students can have their own expression and if the expression is correct, the due
marks should be awarded accordingly.
5 The Head-Examiner must go through the first five answer books evaluated by each
evaluator on the first day, to ensure that evaluation has been carried out as per the
instructions given in the Marking Scheme. If there is any variation, the same should
be zero after deliberation and discussion. The remaining answer books meant for
evaluation shall be given only after ensuring that there is no significant variation in
the marking of individual evaluators.
6 Evaluators will mark ( √ ) wherever answer is correct. For wrong answer CROSS ‘X’
be marked. Evaluators will not put right (✓) while evaluating which gives an
impression that answer is correct and no marks are awarded. This is most common
mistake which evaluators are committing.
7 If a question has parts, please award marks on the right-hand side for each part.
Marks awarded for different parts of the question should then be totaled up and
written in the left-hand margin and encircled. This may be followed strictly.
8 If a question does not have any parts, marks must be awarded in the left-hand margin
and encircled. This may also be followed strictly.
9 If a student has attempted an extra question, answer of the question deserving more
marks should be retained and the other answer scored out with a note “Extra
Question”.
10 No marks to be deducted for the cumulative effect of an error. It should be penalized
only once.

11 A full scale of marks __________ (example 0 to 80/70/60/50/40/30 marks as given in
Question Paper) has to be used. Please do not hesitate to award full marks if the
answer deserves it.

For more Question Papers, Sample Papers, Notes & Syllabus visit Page 2 of 11

m
m .co

m .co s e m
se
12
l a
Every examiner has to necessarily do evaluation work for full working hours i.e., 8
g
hours every day and evaluate 20 answer books per day in main subjects and 25
a
answer books per day in other subjects (Details are given in Spot Guidelines).This is
in view of the reduced syllabus and number of questions in question paper.
13 Ensure that you do not make the following common types of errors committed by the
Examiner in the past :-
● Leaving answer or part thereof unassessed in an answer book.
● Giving more marks for an answer than assigned to it.
● Wrong totaling of marks awarded on an answer.
● Wrong transfer of marks from the inside pages of the answer book to the title
page.
m
● Wrong question wise totaling on the title page.
m .co
.co m
● Wrong totaling of marks of the two columns on the title page.
s e
em
● Wrong grand total.
s
● Marks in words and figures not tallying/not same.
g l a
l a
● Wrong transfer of marks from the answer book to online award list. a
ag
● Answers marked as correct, but marks not awarded. (Ensure that the right tick
mark is correctly and clearly indicated. It should merely be a line. Same is with
the X for incorrect answer.)
● Half or a part of answer marked correct and the rest as wrong, but no marks
awarded.
14 While evaluating the answer books if the answer is found to be totally incorrect, it
should be marked as cross (X) and awarded zero (0) Marks.
15 Any unassessed portion, non-carrying over of marks to the title page, or totaling error
detected by the candidate shall damage the prestige of all the personnel engaged in
m
.co
the evaluation work as also of the Board. Hence, in order to uphold the prestige of all
concerned, it is again reiterated that the instructions be followed meticulously and
judiciously.
e m
16
las
The Examiners should acquaint themselves with the guidelines given in the
“Guidelines for Spot Evaluation” before starting the actual evaluation.
17 ag
Every Examiner shall also ensure that all the answers are evaluated, marks carried
over to the title page, correctly totaled and written in figures and words.
18 The candidates are entitled to obtain photocopy of the Answer Book on request on
payment of the prescribed processing fee. All Examiners/Additional Head
Examiners/Head Examiners are once again reminded that they must ensure that
evaluation is carried out strictly as per value points for each answer as given in the
Marking Scheme.
19 If a candidate attempts both alternatives/options in a question where only one
option/ alternative is required to be attempted, the Evaluator shall award marks
m
.co
in both the options. The system will take the higher of two scores and
m
c. o20 Inone,a question
disregard the other response.
having two options/alternatives, if a candidate has m
m s e attempted only
e then the evaluator shall mark “NA” (Not attempted)
a
against
l the option that

las ag
has not been attempted by the candidate.

ag

m .
.co s e m
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 3 of 11

MARKING SCHEME
BANKING (Subject Code-811)
(PAPER CODE : 335)

Q.No. EXPECTED OUTCOMES/VALUE POINTS Marks
SECTION – A
(Objective Type Questions)
1. Answer any 4 out of the given 6 questions on employability skills. (4x1=4)
(i) (C) Focusing on the speaker and making eye contact. [Step- 1
1, 1mark]
1
(ii) (D) Lack of interest in social and personal relationships [Step-
1, 1mark]
1
(iii) Self-awareness is about understanding one’s own needs,
desires, habits, traits, behaviours and feelings. [Step-1,
1mark] 1

1
(iv) (C) Slide Sorter [Step-1, 1mark]

(v) (B) Start up [Step-1, 1mark] 1

(vi) (C) Energy [Step-1, 1mark]

2. Answer any 5 out of the given 7 questions
(i) Unique Transaction Reference [Step-1, 1mark] 1

(ii) CPU (Central Processing Unit) [Step-1, 1mark] 1

(iii) (C) Only III [Step-1, 1mark] 1

(iv) (A) Opportunity cost [Step-1, 1mark] 1

(v) False [Step-1, 1mark] 1

(vi) Reserve fund [Step-1, 1mark] 1

(vii) (B) 12 [Step-1, 1mark] 1

For more Question Papers, Sample Papers, Notes & Syllabus visit Page 4 of 11

m
m .co

m .co s e m
se g l a
3. Answer any 6 out of the given 7 questions a
(i) (D) Subscribed capital [Step-1, 1mark] 1

(ii) Open market operation [Step-1, 1mark] 1

(iii) (A) 3rd December, 2024 [Step-1, 1mark] 1

(iv) Strong room [Step-1, 1mark] 1
m
m .co
.co e m
(v) (C) 1984[Step-1, 1mark] 1

em 1 l as
(vi)
l a s
(A) APR/100 x ADB/365 x number of days revolved. [Step-1,
ag
a g
1mark]
1
(vii) (C) June 7th, 1996 [Step-1, 1mark]

4 Answer any 5 out of the given 6 questions
(i) (A) Middle [Step-1, 1mark] 1
m
(ii) General Packet Radio Service [Step-1, 1mark]
m .co 1

Chargeback [Step-1, 1mark]a s e
gl
(iii) 1

(iv)
a
(B) Principal + Interest [Step-1, 1mark] 1

(v) (B) 4% [Step-1, 1mark] 1

(vi) (D) Corporate Debt Restructuring [Step-1, 1mark] 1

m
m .co
.co
Answer any 5 out of the given 6 questions
5.
e m
em
(i) National Bank for Agriculture and Rural Development
l as 1

s
(NABARD) [Step-1, 1mark]

l a ag
ag (ii) False [Step-1, 1mark]
1

1
(iii) (A) Balance Sheet [Step-1, 1mark]
1
(iv) (C) Gross settlement [Step-1, 1mark]
1
(v) (A) Personal Identification Number [Step-1, 1mark]
m .
.co m
1
s e
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 5 of 11

(vi) Uniform Customs and Practice for Documentary credits [Step-1,
1 mark]

6. Answer any 5 out of the given 6 questions
(i) General Insurance [Step-1, 1mark] 1

(ii) Phishing [Step-1, 1mark] 1

(iii) False [Step-1, 1mark] 1

(iv) (B) Interest [Step-1, 1mark] 1

(v) (D) will increase [Step-1, 1mark] 1

(vi) (B) Provisions, Contingencies [Step-1, 1mark] 1

SECTION – B
(Subjective Type Questions)
Answer any 3 out of the given 5 questions on employability skills
Answer each question in 20-30 words
7. Four factors are: 2
1.Eye contact: It is a form of body language. It is one of the most
important aspects in the communication process. [Step-1, 0.5mark] (0.5 x4)

2. Gestures: These indicate to the speaker if you are listening or not.
[Step-2, 0.5mark]

3. Avoiding distractions: You must physically remove the distractions in
order to listen attentively. [Step-3, 0.5mark]

4. Giving feedback: Feedback can be positive or negative. [Step-4,
0.5mark]

8. Some of the ways to manage stress are: (Any Four) 2
. • Stay positive and analyse what is going wrong in a certain situation.
Resolving the situation is easy once understood. [Step-1, 0.5mark] (0.5 x4)
• Maintain an accomplishment sheet and enter even small achievements.
[Step-2, 0.5mark]

. • Keep your thoughts in present. Pondering over past issues makes us
feel upset and helpless. [Step-3, 0.5mark]

For more Question Papers, Sample Papers, Notes & Syllabus visit Page 6 of 11

m
m .co

m .co s e m
se g l
• Talk to friends and family for comfort. [Step-4, 0.5mark]
a
a
• Practise meditation and yoga.
• Whenever you feel negative thoughts are taking over, take a look at your
accomplishment sheet.

9. There are three main types of data — text, numbers and formula. 2
[Step-1, 1 mark]
(1 x2)
m
m .co
.co
Nowadays, it is also possible to enter pictures, audio, video and shapes in
a spreadsheet. [Step-2, 1 mark]
e m
em l as
l a s g
a2
10. ag
Decisiveness can be developed through the following steps:
1. Knowing yourself You must know what is important for
you — What kind of problems do you want to solve? (0.5 x4)
[Step-1, 0.5mark]
2. Identify opportunities Figuring out the right moment and
place where a business will work is important. [Step-2,
0.5mark]
3. Analyse the opportunity The next step is to study your
m
.co
idea. If it works, why would it work? [Step-3, 0.5mark]
4. Problem solving After studying the customers and market,

e m
you may make changes to your idea. [Step-4, 0.5mark]

las
11. ag
Benefits of Green jobs: (Any Four) 2
(0.5 x4)
• increase the efficiency of energy and raw material. [Step-1, 0.5mark]
• reduce greenhouse gas emissions. [Step-2, 0.5mark]
• control waste and pollution. [Step-3, 0.5mark]
• protect and restore ecosystems. [Step-4, 0.5mark]
• support adaptation to the effects of climate change.
m
co
m Answer any 3 out the given 5 questions in. 20-30 words each. .co
m (0.5+0.5+0.5+0.5)=2
m .12. s e
s e Qualitative or Selective Methods:
g l a
g la  Selective Credit control [Step-1, 0.5mark]
a
a  Rationing of credit [Step-2, 0.5mark]
 Moral Persuasion [Step-3, 0.5mark]
 Direct action [Step-4, 0.5mark]

13.  Rate of return is the percentage gain or loss on an investment over 2
a period of time relative to its initial cost. [Step-1, 2 mark]

m .
.co s e m
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 7 of 11

14. Clearing is an arrangement through which a bank exchanges cheque 2
drawn on other banks are received by it for collections with the cheques
which are drawn on it and sent by other banks for collection from it.
[Step-1, 2 mark]

15. Two disadvantages of mobile banking: (1+1)=2
 Risk of fraud and cyber security threats. [Step-1, 1 mark]

 Requires internet/smartphone access (not accessible to all) [Step-
2, 1 mark]

(any other relevant point to be considered)

16.  Brokers are agents who carry out transactions for buyers or (1+1)=2
sellers. [Step-1, 1 mark]

 Brokers charge commissions for their services. [Step-2, 1 mark]

Answer any 2 out of the given 3 questions in 30-50 words.

17.  An Equated Monthly Instalment (EMI) is defined as “Payment of (1+1+1)=3
a fixed payment amount made by a borrower to a lender at a
specified date each calendar month. [Step-1, 1 mark]

 Equated monthly instalments are used to pay off both interest and
principal each month, so that over a specified number of years,
the loan is fully paid off alongwith interest.” [Step-2, 1 mark]

Formula for calculating EMI:
 EMI = [(P*r/1200)*(1+r/1200)^N] / [(1+r/1200) – 1] [Step-3, 1
mark]

18. Security setup at the Branch: Following points, about the layout and 3
minimum security safe-guards must be kept in mind before opening a (1x3)
new branch.
(Any 3 to be considered, each carrying 1
mark)
 Selection of area for location of Currency Chests or bank branches
should be done keeping the safety and security in view and
commercial considerations should not be given under weightage.
[Step-1, 1 mark]

For more Question Papers, Sample Papers, Notes & Syllabus visit Page 8 of 11

m
m .co

m .co s e m
se
 The layout of the branch, i.e. Manager’s cabin, cash vaults,
g l a
Cashier’s cabin, entry / exit points should be designed keeping in
view the security aspect. [Step-2, 1 mark] a

 Proximity to Police Station and functional communication system
are very important aspects for the security of bank’s staff and
treasure. [Step-3, 1 mark]

 The main entrance should be provided with shutter gates.
m

m
Collapsible gate with chain and locking arrangements permitting
.co
.co
only eighteen inches opening should be ensured at the branch
s e m
em a
entrance.

as Strong room/safe should be out of the view of the public
g l
l a
ag cyber-attack. Phishing is the criminal attempt to acquire personal
19.  Phishing: “Phishing” is one of the most commonly used forms of (1+1+1)=3

information such as usernames, passwords, and credit card details
by masquerading as a trust worthy individual or entity in all sorts
of electronic communication such as e- mail, websites and call to
action notices. [Step-1, 1 mark]

” Different types of phishing: spear phishing, clone phishing, whaling
phishing [Step-2, 1 mark]
o m
c
One of the frequently used phishing method. is as follows:

s em
l
 Customers’ computers are infected
g a by malware which the criminals
a that are normally asked by the banks
control by faking questions
Unaware customers answer the questions, and the criminals use the
information to transfer money from the customers’ accounts
  The victims come to know only when they get an SMS
message of the transfer or see the balance in their accounts. [Step-
3, 1 mark]

m
m
Answer any 3 out of the given 5 questions in 50-80 words each.
c. o (1+1+1+1)=4
.co m
20. 1. Window Dressing

m
Window dressing means manipulating financial statements to show a
s e
s e better financial position than actual. [Step-1, 1 mark]
g l a
g la  It is usually done at the end of the accounting period
a
a  Example: delaying expenses or inflating income to look more
profitable. [Step-2, 1 mark]
2. Discounting of Bill
Discounting of bill means selling a bill of exchange to a bank before its
due date to get immediate cash. [Step-3 1 mark]
 The bank deducts a small amount called discount (interest)
 The remaining amount is paid to the holder of the bill [Step-4, 1
mark]
m .
21.
.co
Usage of Repo rate / Reverse rate to control liquidity: (1+1+1+1)=4
s e m
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 9 of 11

If RBI wants to signal tight monetary policy, it will increase the repo rate
and vice versa. If the overall liquidity position is tight, banks will
increase their deposit rates or lending rates,since the borrowing cost
from RBI is higher. [Step-1, 1 mark]
A reduction in reverse repo rate makes it less interesting for banks to park
their funds with RBI. [Step-2, 1 mark]
This measure is adopted when there is too much liquidity in the market,
as reflected in the inter-bank call money market or short term funds.
[Step-3, 1 mark]
In general, the call money rate (which is determined by the market, not
RBI) is expected to be between the repo rate and reverse repo rate
. [Step-4, 1 mark]
22. In Sept 2013, RBI relaxed its policy for opening of new bank branches, (1+1+1+1)=4
i.e. allowing commercial banks to open new outlets in major cities
without seeking prior approval. [Step-1, 1mark]
Under the new policy, Indian banks will also be allowed to open a larger
number of branches in top-tier cities over and above their allowed quota,
if the banks meet certain criteria. Branch layout should have ambiance
conducive for the customers. [Step-2, 1mark]
Big banks have developed standard branch layouts across their branches
for the customers to have the same feel while visiting any branch. [Step-
3, 1mark]
Branch Structure: A typical Branch has the following category of staff:
 Branch Manager  Relationship Managers  Sales Desk manned by
Officers  DSA coordinator  Service Desks  Head Teller  Tellers 
Helpers
[Step-4, 1mark]
23. Key Differences between Banker’s Cheque and Demand Draft (1+1+1+1)=4
1.Banker’s Cheque is issued for transfer of money within the local limits
of the drawer branch, whereas Demand Draft is issued for
transferring money to a person residing at a different place. [Step-
1, 1mark]

2.The area of banker’s cheque is limited while the area of demand draft
is very vast. [Step-2, 1mark]

3.The banker’s cheque is pre-printed with the word “Not Negotiable”
however, this is notso in the case of demand draft. A demand draft
of value Rs. 20,000 or more can be issued only with A/c payee
crossing, however in case of banker’s cheque there is no such
condition. [Step-3, 1mark]

4.Banker’s cheque can only be cleared in the branch of bank from where
it is issued, but Demand Draft can be cleared at any branch of the
same bank. [Step-4, 1mark]

24. To solve this, we use the compound interest formula: (1+1+1+1)=4
𝑟 𝑛𝑡
𝐴 = 𝑃 (1+ ) [Step-1, 1mark]
𝑛

For more Question Papers, Sample Papers, Notes & Syllabus visit Page 10 of 11

m
m .co

m .co s e m
se g l a
(i) Quarterly Basis (n = 4) a
0.10 4×5
𝐴 = 50000 (1+ ) = 50000(1.025)20
4
𝐴 ≈ 50000 × 1.6386 = 81,930

Interest = 81,930 − 50,000 = ₹31,930 (approx.) [Step-2, 1mark]

m
𝑟 𝑛𝑡 m
c. o[Step-3, 1mark] m .co
𝐴 = 𝑃 (1+ )
𝑛
s e
s em g l a
l a
(ii) Half-Yearly Basis (n = 2)
a
ag 𝐴 = 50000 (1+
0.10 2×5
2
) = 50000(1.05)10
𝐴 ≈ 50000 × 1.6289 = 81,445

Interest = 81,445 − 50,000 = ₹31,445 (approx.) [Step-4, 1mark]

-oOo-
m
m .co
s e
g la
a

m
m .co
m .co s e m
s e g l a
g la a
a

m .
.co s e m
s em l a
g la ag
a For more Question Papers, Sample Papers, Notes & Syllabus visit Page 11 of 11