CBSE Class 12 Sample Paper 2026 for Banking

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SAMPLE
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2026

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CBSE | DEPARTMENT OF SKILL EDUCATION
BANKING (SUBJECT CODE: 811)
Blue-Print for Sample Question Paper for Class XII (Session 2025-2026)
Max. Time: 3 Hours Max. Marks: 60

PART A - EMPLOYABILITY SKILLS (10 MARKS):

OBJECTIVE SHORT
UNI TYPE ANSWER TYPE TOTAL
T NAME OF THE UNIT QUESTIONS QUESTIONS QUESTIO
NO. 1 MARK 2 MARKS NS
EACH EACH
1 Communication Skills- IV 1 1 2
2 Self-Management Skills- IV 2 1 3
Information and Communication
3 1 1 2
Technology Skills- IV
4 Entrepreneurial Skills- IV 1 1 2
5 Green Skills- IV 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 (50 MARKS):
OBJECTIV SHORT SHORT DESCRIPTIV
E TYPE ANS. ANS. E/ LONG
UNI QUESTIO TYPE TYPE ANS. TYPE TOTAL
T NAME OF THE UNIT NS QUES.- I QUES.- II QUESTIONS QUESTIO
NO. 1 MARK 2 MARKS 3 MARKS 4 MARKS NS
EACH EACH EACH EACH

1 Ancillary Services of Banks 7 1 - 1 9
Innovations in Banking 1
2 5 1 - 7
Technology
Organization of a Bank 1
3 Branch 5 1 1 8
Basics of Business 1
4 5 1 1 8
Mathematics
Reserve Bank of India -
5 Regulations on Banks 5 1 1 7
Performa of Final Accounts -
6 5 - 1 6
of Banking Companies
TOTAL QUESTIONS 32 5 3 5 45
NO. OF QUESTIONS
TO BE ANSWERED
26 Any 3 Any 2 Any 3 34
1 x 26= 50
TOTAL MARKS 2x3=6 3x2=6 4 x 3 = 12
26 MARKS

811 Banking SQP XII Pg. 1

CBSE | DEPARTMENT OF SKILL EDUCATION
BANKING (SUBJECT CODE: 811)
Sample Question Paper for Class XII (Session 2025-2026)
Max. Time: 3 Hours Max. Marks: 60

General Instructions:
1. Please read the instructions carefully.
2. This Question Paper consists of 24 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 (6 + 18 =) 24 questions, a candidate has to answer (6 + 11 =) 17
questions in the allotted (maximum) time of 3 hours.
5. All questions of a particular section must be attempted in the correct order.
6. SECTION A - OBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section has 06 questions.
ii. There is no negative marking.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.
7. SECTION B – SUBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section contains 18 questions.
ii. A candidate has to do 11 questions.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.

811 Banking SQP XII Pg. 2

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. Oral communication is also known as: 1
a) Impersonal Communication
b) Verbal Communication
c) Face to Face Communication
d) Non-Verbal Communication
ii. List two ways of maintaining positive attitude. 1

iii. Ravi has feelings of emptiness and abandonment. What type of 1
personality disorder is this?
a. Borderline
b. Dependent
c. Avoidant
d. Obsessive
iv. The ability to continue to do something, even when it is difficult is 1
called .
(a) initiative
(b) Organizational skills
(c) perseverance
(d) decisiveness
v. Core banking solutions has revolutionized the banking system in India 1
by providing Anytime Anywhere banking facility which helps in
reducing pollution.
a) Air
b) Noise
c) Land
d) Water

vi. are the individual pages of a presentation. 1
a. Templates
b. Thumbprints
c. Slides
d. Sheets

Q. 2 Answer any 5 out of the given 7 questions (1 x 5 = 5 marks)
i. Which mode of Funds transfer takes longest time to transfer money to 1
the payee?
a. Cheque
b. NEFT
c. RTGS
d. ECS
ii. is the name of process of converting black money to white 1
money.
a. Foreign exchange
b. Laundering
c. Money laundering
d. Demonetization

811 Banking SQP XII Pg. 3

iii. The cabin has to be as far away as possible from the entry / 1
exist point of bank.
a. Tellers’
b. Manager
c. Keeper
d. Agent
iv. In case of floating rate loan, borrower will benefit if the 1
a. Interest rate remains constant
b. Interest rate in the future is higher
c. Interest rate in the future is lower
d. Interest rate has no bearing
v. Which of the following is a role typically not performed by the Central 1
Bank?
a. Setting the official short-term interest rate
b. Establish tax policies
c. Controlling Money Supply
d. Acting as banker to the government
vi. Interest collected by the Bank on a loan is for the Bank. 1
a. Income
b. Expense
c. Liability
d. Asset
vii. Write the full-form of KYC. 1

Q. 3 Answer any 6 out of the given 7 questions (1 x 6 = 6 marks)
i. Nomination of bank locker once done can 1
a. Not be cancelled
b. Be cancelled
c. Not be changed
d. Can be changed
ii. _________refers to banking where the transaction or the activities of 1
banking is carried out through internet.
a. e-banking
b. e-delivery
c. e-tickets
d. e-commerce
iii. Who is responsible to hold periodical meetings of all staff members to 1
discuss the bank’s performance with higher authorities?

iv. Interest received on debenture held by bank is _________to the bank. 1
a. Asset
b. Liability
c. Income
d. Expense

v. State the name of any one Qualitative instrument of Credit Control. 1

vi. In banking parlance, ‘NPA’ stands for . 1
a. Non-Performing Asset
b. Net Producing Asset
c. Net Performing Asset
d. Not Promoting Asset

811 Banking SQP XII Pg. 4

vii. Which the following of guarantee gives an assurance that the task will
be completed as agreed?
a. Financial Guarantee
b. Bid bond Guarantee
c. Guarantee for Warranty Obligation
d. Performance Guarantee

Q. 4 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. Credit card limit is 1
a) Revolving loan limit
b) Installment loan limit
c) cash credit limit
d) overdraft limit
ii. The invader creates a misleading context which false you in making 1
an unsuitable security- appropriate decision.
a) Phishing
b) Spoofing
c) Skimming
d) Fishing
iii. State the full form of DSA. 1

iv. State the name of incentive paid to the depositors for postponing their 1
other expenditures and keeping their money with the bank.
v. Which policy is related to direct taxes and government spending 1
refers to?
a) Credit Policy
b) Monetary Policy
c) Fiscal Policy
d) Government Policy
vi. State the full form of GAAP. 1
a) Generally Accepted Accounting Principles
b) Generally Accrual Accounting Principles
c) Generally Accepted According Principles
d) Generally Accepted Accounting Prime

Q. 5 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. The document containing the guarantee of a bank to honor Bills of 1
exchange drawn on it by an exporter is
a) Letter of Hypothecation
b) Letter of credit
c) Bill of Lading
d) Bill of exchange
ii. Name the input device for feeding data in computer. 1

iii. 1
is a secure space specially constructed with RCC on all sides.
a) Managers Cabin
b) Cash Counter
c) Strong room
d) Clerks Cabin

811 Banking SQP XII Pg. 5

iv. EMI on a fixed rate loan remains during the tenor of the loan 1
a) Fixed
b) Changing
c) Increases
d) Decreases
v. Which role does RBI play when it maintains the banking accounts of 1
all schedule Banks?
vi. is the commission paid by Mutual Funds Company to 1
agent in the first year.
a) Trail commission
b) Upfront Commission
c) Accrued Commission
d) Unaccrued Commission

Q. 6 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. Banker Lockers are not used for keeping 1
a) Cash
b) Jewellery
c) stock certificates
d) Home Deeds
ii. State the full form WAP. 1
iii. Upon detection of a counterfeit note at the cash counter of Bank 1
branch, bank will
a) Returns the note to the customer
b) Exchange with a genuine Note
c) Deposit in Account
d) Impound the Note and issue receipt
iv. When the fixed loan comes near to its maturity, the interest amount on 1
the loan
a) Increases
b) Decrease
c) Remains same
d) Depends on market
v. The standard rate at which RBI is prepared to buy or rediscount bills 1
of exchange or other eligible commercial paper from other Banks is
called.
a) Bank Rate
b) Prime Lending Rate
c) Repo Rate
d) Base Rate
vi. Generally, an asset that has remained as ‘NPA’ for up to 12 months 1
is known as
a) Sub-standard asset
b) Doubtful Asset
c) Loss Asset
d) Standard Asset

811 Banking SQP XII Pg. 6

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. 7 What is stress and how can it be managed? 2
Q. 8 Explain why effective communication is important in the Banking 2
environment?
Q. 9 What is presentation? How is it useful for bank employee? 2
Q. 10 Explain how fear act as barrier for an entrepreneur? 2
Q. 11 How recycling materials helps the banking industry to grow economically? 2
Explain.

Answer any 3 out of the given 5 questions in 20 – 30 words each (2 x 3 = 6 marks)
Q. 12 Now-a-days single window system is adopted and cheque-drop boxes are 2
maintained in bank branches. Explain these and discuss their significance.
Q. 13 Distinguish between Debit card and Credit card.. 2
Q. 14 List the functions of Front office of bank. 2
Q. 15 Write a short note on reverse repo-rate. 2
Q. 16 State two points of difference between BR and MIBOR. 2

Answer any 2 out of the given 3 questions in 30– 50 words each (3 x 2 = 6 marks)
Q. 17 List any three Branch Manager’s duties as a Retail banker. 3
Q. 18 What is the purpose of ATM? State any two uses of ATM. 3
Q. 19 Distinguish between Simple Interest and compound Interest on any three 3
points.

Answer any 3 out of the given 5 questions in 50– 80 words each (4 x 3 = 12 marks)
Q. 20 What are the advantages of keeping shares in demat account? 4
Q. 21 Explain the variety of services offered by the bank branches? 4
Q. 22 M deposited ₹.1,00,000 in Punjab National bank @ 5% p.a. interest 4
compounded annually for 3 years and N gave ₹. 1,00,000 to his friend @
5% p.a. simple interest for 3 years.
(1) How much amount will be received by M? (1)
(2) How much amount will be received by N? (1)
(3) Who will get more money at the end of three years? Give reason. (2)

Q. 23 P & Q are students and are preparing a project on impact of price rise on 4
common people of country. Not happy with the situation of price rise they
asked their teacher about the ways in which increase in prices is controlled
by authorities. In relation to above context, explain the monetary policy of
RBI and explain any two of its tools.
Q. 24 Briefly explain any four liabilities of bank indicated in its balance sheet. 4

811 Banking SQP XII Pg. 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