ultimate banking awareness booster capsule june …...credit card through which farmers can avail...
TRANSCRIPT
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Table of Contents
1. List of Applications and Schemes launched by banks ............................................ 4
2. New Indian Currency Notes ................................................................................... 6
3. Types of Risks in Banks .......................................................................................... 7
4. Commercial, Small and Payments Banks ............................................................... 8
5. Abbreviations ......................................................................................................... 9
6. Types of Banking ................................................................................................... 10
7. Securities ............................................................................................................... 12
8. List of Mergers in Indian Banking Industry ........................................................... 13
9. Digital Banking ...................................................................................................... 14
10. Electoral Bonds .................................................................................................... 18
11. Electronic Fund Transfer at Point of Sale ............................................................. 18
14. KYC ...................................................................................................................... 21
15. Important Financial Institutions ......................................................................... 22
16. Important Acts ................................................................................................... 24
17. Monetary Policies ............................................................................................... 24
19. Types of Loans .................................................................................................... 26
20. Banking Ombudsman Scheme ........................................................................... 27
21. Money Market .................................................................................................... 27
22. Negotiable Instruments Act 1881 ........................................................................ 28
23. Endorsements .................................................................................................... 29
24. Financial Inclusion .............................................................................................. 29
25. Capital Market .................................................................................................... 31
26. Basel Norms ....................................................................................................... 33
27. List of International Airports in India .................................................................. 34
28. List of Revolutions in India ................................................................................. 35
29. Indian & International Bank Taglines .................................................................. 36
30. Union Cabinet Ministers & their Constituency .................................................. 37
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
31. Census 2011 ........................................................................................................ 38
32. List of Important Rivers on Cities ...................................................................... 39
33. List of Major Ports in India ................................................................................ 40
34. Major Atomic/Thermal/Hydro Power Plants ...................................................... 41
35. List of upcoming Sports Venues ........................................................................ 42
36. List of Newly Appointed National Officials ....................................................... 44
37. National Parks & Wildlife Sanctuaries ................................................................ 45
38. Important Days .................................................................................................. 47
39. Joint Military Exercises ...................................................................................... 48
40. Reports & Indices ............................................................................................... 49
41. Classical Folk Dances ......................................................................................... 50
42. Stock Exchanges Around the World .................................................................. 50
43. Nick Names of Cities ......................................................................................... 51
44. Currency Printing & Coin Minting in India .......................................................... 51
45. Important Terms ................................................................................................ 52
46. International Organisations & Headquarters ..................................................... 54
47. Rivers, Dams & States ........................................................................................ 55
48. Famous Temple ................................................................................................. 56
49. Stadiums in India ................................................................................................ 57
50. Boundary Lines ................................................................................................. 58
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
1. List of Applications and Schemes launched by banks
Bank Scheme and Apps
AIRTEL +
Axis Bank
Airtel Money
Axis Bank Power Salute: Banking Offers
exclusive to Defence
Personnel
machine learning led chatbot
to carry out transactions based
on conversations.
Asha Home Loans: Tailor-
made for people buying their
1st homes.
LIME App
which is a Digital Wallet with
payments, banking and
shopping facilities.
Based on mobile banking
transactions, Axis Bank
topped the chart by the
value of transaction
accounting 17.2% of the
total mobile banking
transaction, according to
SBI annual report.
Axis bank launched Kisan
credit card through
which farmers can avail
credit upto 250 lakh for a
maximum term of 5
years. Card is also giving
benefit of insurance
coverage of upto Rs
50000/-
Bank of
India
Instant Money Transfer(IMT):
Send payments /cash
withdrawal approvals through
banks/ATMs using mobile
number & secret code.
Receiver need not be BOI
account holder.
Initiator of
for farmers. Started in
1980s.
Bank of
Maharashtra
Millionaire, Maha
: RD scheme as there
is no TDS on interest earned
by the depositor in Recurring
Deposits.
Canara Bank MWallet-enables you to view
wallet balances, ATM Locator,
Branch Locator, transfer funds
between accounts to wallet
and wallet to wallet within the
bank
Citi Bank Introduced voice biometrics
authentication system for its
phone banking clients,
replacing current practice of
interactive voice response.
Launched instant chat services
for its customers named
Citibank Online. It is first such
customer support service in
India by a Bank.
HDFC Chatbot service OnChat. It
allows users to make
payments through Facebook
Messenger
IRA (Intelligent Robotic
Assistant),
Mumbai branch
Pragati for low income group
families
Payzapp is an all-in-one
mobile payment and money
transfer app.
The Union Cabinet has
approved the proposal
for grant of permission to
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
the HDFC bank to raise
additional share capital
of up to a maximum of
24,000 crore rupees.
ICICI EazyPay App for merchants. It
allows all in one acceptance
payments platform
Scheme
in association
with American Express
Student Travel Card
ICICI Bank has appointed
Girish Chandra
Chaturvedi as an
additional (independent)
director effective for a
period of 3 years.
Sandeep Bakhshi has
been appointed as the
Chief Operating Officer
(COO).
ICICI +
Vodafone
M-Pesa
Karnataka
Bank
KBL Suraksha: Personal
accident insurance scheme for
savings bank account holders
Karnataka Bank has
launched KBL- Deposit
Only Card for their
Current account or
overdraft customer which
will help them in hassle
free cash deposit
transaction at the bank.
Kerala
Gramin Bank
FI@School Program:
Propagates financial literacy
among school children
Kotak
Mahindra
Bank
KayPay: Facebook-based
funds transfer platform
Kotak Bharat - mobile banking
app
Launched Airtel payment
banks in association with
Airtel.
Punjab
National
Bank
Contactless Credit Card
Wave N Pay (on Visa Platinum
platform), for transactions up
to INR 2000
RBL Bank
exclusively for GOLF LOVERS
Payment Bridge
microfinance loan
disbursement
SBI MobiCash Mobile Wallet, in
association with Bharat
Sanchar Nigam Limited
(BSNL).
Boutique Financing SCHEME
e-wallet-Buddy: First Indian
Mobile Wallet Application
available in 13 Languages.
YONO (You Only Need One
App)- One app for all the
banking, shopping and
investment needs.
Sbi-intouch-Digital branches
across the country with an aim
to offer advanced banking
services like instant loan
approvals, assistance in
choosing investment portfolios
and access to latest mutual
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
funds among others.
Vijaya Bank 3 innovative apps VPAYQWIK,
Vijaya *99# and VeConnect+
Yes Bank a new mobile
banking app with multiple
more features and support for
banking transactions on Apple
and Android based Smart
Watches
service: It allows
any account holder to do
money transfers, pay utility
bills and other mobile banking
services, without any smart
phones or internet, based on
sim sleeve technology
Unique Customizable Savings
Account to enable customers
to design an account as per
their convenience
Corporation
Bank Corporation Bank. has
obtained the
under the category Best
Expectation Management
(Mid Cap) for the
financial-year 2017-18.
Bank of
Baroda Bank of Baroda has given
the direction to IT majors
IBM & Accenture to
create an IT Centre of
Excellence (ITCoE) and
Analytics Centre of
Excellence (ACoE) as part
use technology to drive
growth.
IDBI Bank Mr B Sriram has been
appointed as the IDBI
Bank's CEO and
Managing Director (MD)
for three months.
The Insurance Regulatory
Development Authority
of India (IRDAI) has
allowed Life Insurance
Corporation of India
(LIC) to invest up to 51%
in IDBI Bank.
PayTM Paytm introduced
automatic recurring
payments, a new feature
that lets users configure
the payments app to pay
for periodic recurring
expenses automatically
2. New Indian Currency Notes
Currenc
y Notes
Dimen
-sions
(mm)
Motifs/
Design
Colour
10 63mm
x 123
Sun temple Chocolate
brown
mm.
50 66x135 Hampi with
Chariot
Fluorescen
t Blue
100 66 Rani Ki Vav Lavender
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
mm ×
142
mm
200 66x146 Sanchi
Stupa
Bright
Yellow
500 44x150 Red Fort Stone Grey
2000 66x166 Mangalyaa
n
Magenta
3. Types of Risks in Banks
Fig: Types of Risks
Credit risk usually occurs when there is
not enough income, or failure in business.
values before default that arises from the
deterioration in a portfolio or an
• RBI has announced to set up a
Public Credit Registry, will
contain information on all
borrowers to ensure financial
stability. This will be headed by
Yashwant M Deosthalee. To
examine the setup of Asset
Reconstruction Company, A
committee has been set up
chaired by Sunil Mehta for faster
resolution of stressed assets of
Public Sector Banks
Basel Committee on Banking Supervision
defines Market Risk as the risk of losses
in on or off-balance sheet positions that
arise from movement in market prices.
Market risk is the most prominent for
banks present in investment banking.
Basel Committee on Banking Supervision
defines Operational Risk
loss resulting from inadequate or failed
internal processes, people & systems or
from external events. Operational risk, the
risk in all banking transactions.
Liquidity Risk is the risk of a bank not
being able to have enough cash to carry
out its day-to-day operations.
Reputational Risk happens when banks
standing that occurs due to some dubious
actions taken by the bank.
Business Risk is the risk arising from a
-term business strategy. It
deals with a bank not being able to keep
up with changing competition dynamics,
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
losing market share over time, & being closed or acquired.
4. Commercial, Small and Payments Banks
Commercial Banks
No restrictions on providing products,
services and functions to customers.
Similarly, no limit on on deposits from
customers.
Can provide personal loan, home loans,
etc. and can issue credits and debit cards.
Can invest money they collect in form of
deposits in open markets.
Can provide foreign exchange services at
charges decided by them.
Small Finance Banks & Payments
Banks:
Small Finance
Bank Payments Banks
Can accept
all types of
deposit
They can
provide
loans
through
money to
their
customers.
Target
customers
are MSME
businessmen
,
unorganized
workers,
small and
Can take only
savings and current
deposit and not FD
& RD
loans. They can
money in
Government
securities (G-sec)
only.
Target customers
are poor, migrants,
unorganized workers
wanting to send
remittances home.
Maximum balance
per customer can be
marginal
farmers.
For Initial 3
years, 25%
branches
must be in
rural areas to
tap those
areas and
50% of the
loans be
given to
MSME
sector.
Its scope
includes
deposit and
loans
Professional
s with 10
years in
financial
services or
promoter
group with
5-year track
record are
eligible to
apply for
licence.
Large
companies
Can issue
both debit
and credit
cards.
Rs.1 lakh
Its scope includes
payment/remittance
s only, Including
cross-border
remittances.
Indian Post, Business
Correspondents,
Retail chains,
Telecom
Companies, etc are
eligible to apply.
They can issue debit
credit cards.
List of Payment Banks along with its
headquarters:
Bank HQs
Aditya Birla Nuvo Limited-
Veraval Gujarat
Aditya Birla Idea Payments Bank Mumbai
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Jio Payment Bank Mumbai
Cholamandalam Distribution
Services Limited Chennai
Fino PayTech Limited Navi
Mumbai
National Securities Depository
Limited Mumbai
Vodafone m-pesa Limited Mumbai
Paytm Payment Bank Noida
List of Small Finance Banks along with its
headquarters:
Bank HQs
Au Financiers (India)
Ltd. Jaipur
Capital Local Area
Bank Ltd., Jalandhar Jalandhar
Disha Microfin
Private Ltd., Ahmedabad
Janalakshmi
Financial Services
Private Limited
Bengaluru
Equitas Holdings P
Limited Chennai
ESAF Microfinance
& Investments
Private Ltd
Registered Office-
Chennai, Corporate
Office- Thrissur
(Kerala)
RGVN (North East)
Microfinance
Limited
Guwahati
Suryoday Micro
Finance Private Ltd. Navi Mumbai
Ujjivan Financial
Services Private Ltd. Bengaluru
Utkarsh Micro
Finance Private Ltd. Varanasi
5. Abbreviations
• AAY: Antyodaya Anna Yojana
• CAA&A: Controller of Aid Accounts &
Audit
• BBB: Banks Board Bureau
• CFPI: Consumer Food Price Index
• CIRP: Corporate Insolvency
Resolution Process
• CLSS: Credit Linked Subsidy Scheme
• DARE: Department of Agricultural
Research & Education
• DDA: Doha Development Agenda
• DGCI&S: Directorate General of
Commercial Intelligence & Statistics
• DGFT: Directorate General of Foreign
Trade
• DIPAM: Department of Investment &
Public Asset Management
• DIPP: Department of Industrial Policy
& Promotion
• DISCOMS: Distribution Companies
• EBRD: European Bank for
Reconstruction & Development
• EFTA: European Free Trade
Association
• EIB: European Investment Bank
• e-NAM: Electronic National
Agriculture Market
• EPCG: Export Promotion on Capital
Goods
• FSLRC: Financial Sector Legislative
Reforms Commission
• FSRASC: Financial Sector Regulatory
Appointment Search Committee
• GCC: Gulf Cooperation Council
• ICRA: Indian Credit Rating Agency.
• IBC: Insolvency & Bankruptcy Code
• IFSC: Indian Financial System Code
• IMPS: Immediate Payment Service
• LFPR: Labour Force Participation Rate
• M0: Reserve Money
• M3: Broad money
• MDGs: Millennium Development
Goals
• NAREDCO: National Real Estate
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Development Council
• NCDs: Non-Convertible Debentures
• NCLT: National Company Law
Tribunal
• NEFT: National Electronic Fund
Transfer
• NICRA: National Innovations on
Climate Resilient Agriculture
• NPCI: National Payments Corporation
of India
• MAY: Pradhan Mantri Awas Yojana
• PMFBY: Pradhan Mantri Fasal Bima
Yojana
• PMKSY: Pradhan Mantri Krishi
Sinchayee Yojana
• POL: Petroleum Oil & Lubricants
• RMSA: Rashtriya Madhyamik Shiksha
Abhiyan
• RTGS: Real Time Gross Settlement
• SSA: Sarva Shiksha Abhiyaan
• SUUTI: Specified Undertaking for Unit
Trust of India
• SWIFT: Society for Worldwide
Interbank Financial
Telecommunication.
• SWP: Systematic Withdrawal Plan
• UDAY: Ujwal Discom Assurance
Yojana
• UDISE: Unified District Information
System for Education
6. Types of Banking
Merchant Banking (1) Deals in commercial loans and
investments.
(2) Purpose: Facilitate and/or finance
production and trade of commodities. (3) Offerings: Issue management, portfolio
management, credit syndication, acceptance
credit, counsel on mergers and acquisitions,
insurance, etc.
Overseas Banking (1) The kind of banking in which bank operates
its branches outside India. It Provides and
ensures stateside like banking services and
specialized services required to conduct
financial transactions.
(2) Offerings: Online loan application system
that reduces the need for paperwork and
provides customers with instant loan decision.
Offshore Banking (1) Bank accepts currencies of countries
abroad. (2) Provides financial and legal benefits like
privacy and minimal taxation.
Islamic Banking (1) Islamic banking is a kind of banking activity
which strictly follows the principles of the
Islamic law (Sharia). (2) A better and more apt term for Islamic
banking is Sharia Compliant Finance.
In late 2008, a committee on Financial Sector
Reforms, headed by former RBI governor
Raghuram Rajan, had stressed on the need
for a closer look at the issue of interest-free
banking in the country. However, the Reserve
Bank of India (RBI) has decided not to pursue
a proposal for introduction of Islamic banking
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
in the country.
Para banking
(1) Activities which are excluded from routine
bank-work (deposits, withdrawals, giving
credit, etc.) are para banking activities. (2) Banks can undertake certain eligible
financial services or activities. (3) Para Banking activities which for banks are
limited to those permitted by RBI. (4) Example: Insurance, portfolio management
services, to become pension fund managers,
mutual funds business, money market mutual
funds, underwriting of bonds of PSUs,
investment in venture capital funds, etc.
Narrow Banking (Safe Banks)
(1) Narrow banks do not lend money and are
(2) They use the deposits done by customers
to buy government bonds only. (3) Advantages: (i) No danger of NPAs (ii) RBI
c
(4) 11 banks that RBI, under PCA, is turning
into Narrow Banks are: Allahabad Bank,
United Bank of India, Corporation Bank, IDBI
Bank, UCO Bank, Bank of India, Central Bank
of India, Indian Overseas Bank, Oriental Bank
of Commerce, Dena Bank, Bank of
Maharashtra.
What is Deposit Insurance?
Money of customers who deposit money in
the banks is insured by DICGC. And the
customers who take loans from banks are
guaranteed of money by DICGC.
DICGC is a wholly owned subsidiary of RBI,
established on 15 July 1978 under Deposit
Insurance and Credit Guarantee
Corporation Act, 1961 for providing
insurance of deposits and guaranteeing of
credit facilities to the customers of banks.
Green Banking
(1) Promoting environmental-friendly
Practices
(2) Encourages reducing carbon footprint
from banking activities.
(1) Institute for Development and Research
defines Green Banking as an umbrella term
that refers to (1) Practices & guidelines that make banks
sustainable in economic, environment and
social dimensions.
(2) It aims to use IT and physical infrastructure
in a efficient and effective way, with zero or
minimal impact on the environment.
(3) IDRBT offers guidelines for greening
banking at 2 levels:
(i) Making day-to-day business
operations, banking products and
services greener by following simple
practices and making them
environmentally friendly. (ii) Making IT
infrastructure (including data center) and
physical infrastructure (including
buildings) greener.
Eg. taking initiatives so that a bank could
itself generate electricity for its own
consumption
Retail Banking
(1) Retail banking refers to consumer-
oriented services offered by commercial
banks. Eg. savings accounts, mortgages
and various types of loans and
investment services relating to
retirement and educational planning.
(2) Retail assets of a bank: All borrower
relationships and relationships with small
businesses. Thus, including credit cards,
auto loans, mortgages, personal loans,
and small business loans.
(3) How do retail banks earn money: By
lending money to customers at a higher
rate than they pay to depositors. The
difference, known as the margin or turn,
is kept by the bank. For example, if a
bank pays 1% interest on deposits, they
may charge 6% interest on loans.
Wholesale Banking
(1) Services provided to organisations
such as mortgage Brokers, large
corporate clients, mid-sized companies,
real estate developers & investors,
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
international trade finance businesses,
etc.
Universal Banking
(1) Recommended by R H Khan
committee. (2) It means allowing
Financial Institutions & banks to carry
out all types of banking or development
financing activity (as allowed and
permitted by RBI, Govt. & related legal
Acts).
7. Securities
When companies (businesses) or individuals
take credit from financial institutions to meet
their needs, they keep some assets as
Points to Remember:
(i) The borrowers return the credit or loan
after a decided period, with interest as
charged when taking credit or loan.
(2) Institutions give credit only if they are
satisfied that they will get their money
back.
(3) Assets kept as security should be of
same or higher value than the credit
amount taken.
(4) Security is a tradable financial asset.
Issuer: The company or other entity issuing
the security is called the issuer.
Representation: Securities may be
represented by a certificate or, more
typically, "non-certificated", that is in
electronic (dematerialized) or "book entry"
only form.
Types of Securities:
1. Mortgage-backed security (MBS)
(1) Loan against or for immovable objects -
land, building, anything attached to earth.
These remain with the borrower for the time
(2) Lender can take possession in case of
default and the lender can sell the immovable
object to recover his amount.
(3) Example - Home loan (property remains
with borrower.)
2. Lien
(1) Is defined as right to keep possession of
property belonging to another person until a
debt owed by that person is discharged. It is a
form of security interest granted over an item
of property to secure the payment of a debt
or performance of some other obligation. So,
lien is a legal claim on the securities.
(2) The owner of the property, who grants the
lien, is referred to as the lienee and the
person who has the benefit of the lien is
referred to as the lienor or lien holder.
(3) Agreement implies that a lien is imposed
by law, which is not in the case of contract.
(4) Similarity between Lien & Pledge: Both
are used for the security purpose. And lender
has the rights to have the possession of the
securities against which the loan is given, but
the lender cannot sell the securities to recover
his losses unless stated in the agreement.
(5) Difference between Lien & Pledge: Lien
is formed by agreement between the two
parties unlike pledge. Unlike pledges, Lien
agreement can be on property too.
3. Pledge
(1) Actual possession of assets against which
loan is taken remains with the lender until the
loan is paid back.
(2) Contract used when lender (pledgee) takes
actual possession of assets (i.e. certificates,
goods). Examples: goods, certificates, gold,
etc.
(3) Such securities or goods are movable
securities.
(4) Pledgee retains possession of goods until
the pledger (i.e. borrower) repays the entire
debt amount.
(5) In case that the borrower is not able to
meet the obligation i.e. return the money
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
borrowed with specified time, the lender has
full rights to sell the assets and recover his
losses along with interest.
(6) Indian Contract Act 1872, section 172.
(Memory tip: Act 1872 & Section 172) 4. Hypothecation
(1) Credit and the asset against which or for
which loan is taken, both remain with the
borrower.
(2) In case of default, Fin. institution can take
possession of asset and sell it to recover
credit/loan. Example: Movable assets like
stocks, machinery, loan against or for a
vehicle.
(3) SARFAESI ACT 2002
Major Difference between Pledge &
Hypothecation:
Hypothecation: Bank cannot take
Upon taking possession, it can sell the asset
without asking.
Pledge: Possession stays with bank till
repayment of loan. It must return goods on
loan repayment.
Securi-
ties
Pledge Hypothe-
cation
Mort-
gage
Type Movable
Movable Immovable
Posse-ssion
With Lender
With Borrower
With Borrower
Example
Goods like Gold loan advance against NSC, etc.
Assets like Vehicle, Machines Stocks, etc.
Housing Loan
8. List of Mergers in Indian Banking Industry
SBI
Name of the
Banks
Acquired
Name of the
Banks that got
Merged
Year of
Merging
SBI Bharatiya Mahila
Bank (BMB) 2017
SBI State Bank of
Travancore (SBT) 2017
SBI State Bank of
Bikaner and
Jaipur (SBBJ)
2017
SBI State Bank of
Hyderabad (SBH) 2017
SBI State Bank of
Mysore (SBM) 2017
SBI State Bank of
Patiala (SBP) 2017
Other Banks
Name of the
Banks
Acquired
Name of the
Banks that got
Merged
Year of
Mergin
g
Kotak
Mahindra ING Vysya Bank 2016
Bank
ICICI Bank Bank of Rajasthan 2010
State Bank of
India
State Bank of
Indore 2009
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
State Bank of
India
State Bank of
Saurashtra 2008
HDFC Bank Centurion Bank of
Punjab 2008
Centurion
Bank of
Punjab
Lord Krishna Bank 2007
Indian
Overseas Bank
Bharat Overseas
Bank 2007
IDBI Bank United Western
Bank Ltd. 2006
Federal Bank Ganesh Bank of
Kurundwad 2006
Centurion
Bank
Bank of Punjab
(BoP) 2005
IDBI Bank
Limited IDBI Limited 2005
Oriental Bank
of Commerce
Global Trust Bank
(GTB) 2004
Punjab
National Bank Nedungadi Bank 2003
Bank of
Baroda
Benares State
Bank 2002
ICICI Bank
Limited ICICI Limited 2002
ICICI Bank Bank of Madura 2001
HDFC Bank Times Bank 2000
Union Bank of
India Sikkim Bank 1999
State Bank of
India
Kashinath State
Bank 1995
Bank of India Bank of Karad 1994
Punjab New Bank of 1993
National Bank India
State Bank of
India Bank of Cochin 1985
Canara Bank Lakshmi
Commercial Bank 1985
Bank of
Baroda
South Gujarat
Local Area Bank 2004
Bank of
Baroda
Bareilly
Corporation Bank
Ltd.
1998
Oriental Bank
of Commerce
Bari Doab Bank
Ltd 1997
Oriental Bank
of Commerce
Punjab Co-
operative Bank 1997
Allahabad
Bank
United Industrial
Bank Limited 1989
Central Bank
of India
Purvanchal Bank
Ltd. 1990
Bank of India Parur Central
Bank Ltd. 1990
State Bank of
India
National Bank of
Lahore Ltd. 1970
State Bank of
India Bank of Bihar Ltd 1969
Punjab
National Bank
Hindustan
Commercial Bank
Ltd.
1986
Indian Bank Bank of Thanjavur
Ltd 1990
Bank of
Baroda Traders Bank Ltd 1988
Indian
Overseas Bank
Bank of Tamil
Nadu 1990
9. Digital Banking
India is advancing at breath-taking speed
towards a cashless economy. Digital Payment
Mode is growing faster with the growth in E-
Commerce. Digital Payment Systems for
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Banking are going to occupy the largest part
of transactions. With the growth in E-
Commerce in the world, knowledge of these
Cashless Transaction modes has become very
necessary. National Payments Corporation of India
(NPCI)
(1) National Payments Corporation of India
(NPCI) is an umbrella organization for all retail
payments system in India.
(2) It aims to allow all Indian citizens to have
unrestricted access to e - payment services.
(3) Headquarter: Mumbai
Non-Executive Chairman: Biswamohan
Mahapatra and MD and CEO: Dilip Asbe
(4) RBI Nominee Director: Mr. Sudarshan Sen.
(5) It was incorporated in December 2008 &
the Certificate of Commencement of Business
was issued in April 2009. The authorized
capital was pegged at Rs 300 crore & paid up
capital was Rs 100 crore.
The National Payments Corporation of
India (NPCI) has allowed Facebook-owned
WhatsApp to beta test its BHIM UPI beta
payments service with limited user base of
1 million and low transaction limit. Four
BHIM UPI model in phases and full feature
product will be released after beta test is
successful.
USSD
((1) Unstructured Supplementary Service Data
(USSD) allows users to check their balance
and get mini statements, along with making
payments, even if
smartphone or have access to the internet -
just by dialling *99#
(2) Was launched by NPCI in 2014
(3) On their mobile phones, banking
customers can avail the service by dialing
interactive menu gets displayed on the mobile
screen to facilitate transactions.
(4) One can check status of his/her Aadhaar
number seeding/linking in the bank account.
(5) The service works across all GSM service
providers & brings together diverse
ecosystem partners such as Banks & TSPs
(Telecom Service Providers).
NUUP
(1) NUUP (National Unified USSD Platform)
service is based on the Unified Payment
Interface (UPI) service over USSD, to facilitate
easy access banking services from mobile
phones.
(2) USSD number *99# is allotted for NUUP
services.
(3) TRAI has set a maximum ceiling of ₹1.5 per
transaction for accessing NUUP
BHIM
(1) Bharat Interface for Money is a mobile app
developed by NPCI, based on the Unified
Payment Interface (UPI) - with zero
transaction charges.
(2) The aim is to make it easy for everyone to
allow digital payments directly from the bank
account. BHIM allow users to send or receive
money to or from UPI payment addresses, or
to non-UPI based accounts. (using mobile
number or Virtual Payment Address or VPA.)
(3) It was launched by PM Modi on 30th Dec
2016. It is dedicated to Dr. Bhimrao
Ambedkar.
(4) Works on Android, iOS & Windows.
(5) It is available in 12 languages.
(6) Famous Actor Shushant Singh Rajput
will also promote Bharat Interface for
Money (BHIM) digital payments app for
cashless economy by appearing in various
video, print and social media cashless
economy by appearing in various video,
print and social media campaigns of NITI
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Aayog.
UPI
(1) Unified Payments Interface (Regulated by
RBI) is an instant real-time payment system
developed by National Payments Corporation
of India facilitating inter-bank transactions.
(2) UPI withdraws and deposits funds directly
from the bank account whenever a
transaction is requested.
(3) It uses Virtual Payment Address, Account
Number with IFSC Code, Mobile Number
with MMID, Aadhaar Number.
(4) Prime Minister Narendra Modi launched
three Indian mobile payment applications
BHIM, RuPay and UPI enabled remittance
app of SBI in Singapore aimed at
payment platforms. They were launched at
(5) MobiKwik one of the largest digital
service provider platform, announced the
launch of Unified Payments Interface (UPI)
on its platform via its own Virtual payment
address (VPA) handle @ikwik.
IMPS
(1) Launched in 2010, immediate payment
service (IMPS) is an instant real-time inter-
bank electronic (mobile, online banking,
ATM) funds transfer system in India.
(2) It uses mobile number or Aadhaar number
to connect with a bank account, Mobile Money
Identifier (MMID) is a 7 digit number, issued by
banks. It is clubbed with mobile number to
facilitate fund transfer.
(3) As per NPCI data, the number of
transactions through IMPS crossed 100
million marks in March 2018 and touched a
high of 120.4 million in June.
(4) Transfer of funds through Immediate
Payment Service (IMPS) crossed a
whopping Rs 3.23 trillion in April-June
quarter of 2018-19, which is almost double
the amount recorded in the year-ago
period.
RTGS & NEFT
(1) Real-Time Gross Settlement systems
(RTGS) are funds transfer systems where
transfer of money or securities takes place
from one bank to another on a "real-time" and
on "gross" basis. National Electronic Funds
Transfer (NEFT) is a nation-wide payment
system facilitating one-to-one funds transfer.
The main purpose of NEFT is to enable
electronic cash transfer from one financial
institution to another within India especially
banks.
(2)There is no minimum and maximum limit
for cash remittance. However, the maximum
amount per transaction is limited to ₹ 50,000.
In contrast with NEFT system, there is a
minimum limit of Rs 2,00,000 to be
transferred through RTGS. Though there is no
maximum limit.
MMID
(1) The Mobile Money Identifier (MMID) is the
key identifying detail of a user participating in
a transaction.
(2) An MMID is a seven-digit number given to
a customer upon registration with a bank for
the service.
(3) The remitter and the beneficiary should
have this MMID for doing this inter-bank
funds transfer through Mobile Number and
MMID.
QSAM
(1) *99*99# service, is alternatively known as
QSAM (or Query Service on Aadhaar
Mapper).
(2) Dialling this from mobile phone, helps user
in knowing their Aadhaar Seeding status with
their bank account.
NACH (1) National Payments Corporation of India
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Institutions, Corporates and Government.
(2) It aims to consolidate multiple ECS
systems running across the country
(3) Yearly volume of NACH has already
reached about 95 million transactions by May
2015 amounting to about Rs. 250 billion in
actual credit value.
CTS
(1) Launched: 1 February 2008
(2) Truncation is the process of stopping the
flow of the physical cheque in its way of
clearing. In its place an electronic image of
the cheque is transmitted with key important
data.
Cheque truncation thus obviates the need to
move physical instruments across branches
(3) Cheque Truncation System (CTS) or
Image-based Clearing System (ICS) is based
on a cheque truncation or online image-based
cheque clearing system where cheque images
and Magnetic Ink Character Recognition
(MICR) data are captured at the collecting
bank branch and transmitted electronically.
(4) Cheque Truncation System (CTS) is a
cheque clearing system undertaken by the
Reserve Bank of India (RBI) for faster clearing
of cheques.
IFSC
(1) The Indian Financial System Code (IFS
Code or IFSC) is an alphanumeric code that
facilitates electronic funds transfer in India.
(2) A code uniquely identifies each bank
branch participating in the two main Payment
and settlement systems in India: the Real
Time Gross Settlement (RTGS) and the
National Electronic Fund Transfer (NEFT)
systems.
(3) The IFSC is an 11-character code with the
first four alphabetic characters representing
the bank name, and the last six characters
(usually numeric, but can be alphabetic)
representing the branch. The fifth character is
Code is used by the NEFT & RTGS systems to
route the messages to the destination
banks/branches.
MICR
(1) Magnetic Ink Character Recognition
(MICR) is the information that appears at the
bottom of a check.
(2) The magnetic ink allows the computer to
read the characters even if they have been
covered with signatures, cancellation marks
or other marks.
(3) MICR, the 9-digit code, is a character-
recognition technology used mainly by the
banking industry to ease the processing and
clearance of cheques and other documents.
(4) The first 3 digits represents the city code;
the next 3 digits represents the bank code;
the last 3 digits represents the bank branch
code.
SWIFT
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
(1) The Society for Worldwide Interbank
Financial Telecommunication (SWIFT)
provides a network that enables financial
institutions worldwide to send and receive
information about financial transactions in a
secure, standardized and reliable
environment.
(2) Headquarter: La Hulpe, Belgium;
Chairman: Yawar Shah; CEO: Gottfried
Leibbrandt
(3) SWIFT does not facilitate funds transfer:
rather, it sends payment orders, which must
be settled by correspondent accounts that the
institutions have with each other.
BBPS
(1) Bharat Bill Payment System (BBPS) is an
integrated bill payment system in India
offering practical and accessible bill payment
service to customers through a network of
agents of registered member, enabling
multiple payment modes, and providing
instant confirmation of payment.
(2) National Payments Corporation of India
(NPCI) will function as the authorised Bharat
Bill Payment Central Unit (BBPCU), which will
be responsible for setting business standards,
rules and procedures for technical and
business requirements for all the participants.
ACU
(1) Established: December 9, 1974
(2) Headquarters: Tehran, Iran
The Asian Clearing Union (ACU) was
established at the initiative of the United
Nations Economic and Social Commission for
Asia and the Pacific (ESCAP).
(3) The aim of ACU was to secure regional co-
operation about the settlement of eligible
monetary transactions to provide a system for
clearing payments among the member
countries on a multilateral basis.
10. Electoral Bonds
Announced: Scheme Union Budget 2017
Aim: (1) Alternative to cash donations. So that
transparency in political funding can increase.
(2) Elimination of unaccounted and
anonymous donations to political parties.
(3) In a way fights black money.
Points to Remember:
India is the 1st country in the world to have a
unique bond for electoral funding.
Electoral bonds are made available for 10 days
in January, April, July and October.
Any Indian citizen or a body incorporated in
India can buy these bonds.
Electoral bonds will be valid for only 15 days
and will not carry the name of the payee.
Bonds can be bought from SBI branches at
Mumbai, Chennai, Kolkata and New Delhi.
Electoral bonds can be bought for any
amount in multiples of Rs. 1000, Rs.10,000,
Rs.1 Lakh, Rs.10 lakh and Rs. 1 crore.
Purchaser must pay from KYC - compliant
bank account.
Bonds can be donated to a registered political
party only.
11. Electronic Fund Transfer at Point of Sale
Electronic Funds Transfer At Point Of Sale
(EFTPOS) is a payment system that allows
faster and safer digital fund transfers at
payment terminals using debit or credit cards.
EFTPOS was first introduced in the US in
1981 and rolled out in 1982, after that
several other countries followed the suit.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Electronic Funds Transfer (EFT) - It is also
known as e-transfer and indicates the transfer
of money between accounts by consumer
electronic systems such as automated teller
machines (ATMs), and electronic payment of
bills.
Point of Sale (POS) - is the location where a
sales transaction occurs
12. Priority Sector Lending
Priority sector was first properly defined in
1972 by Dr. K S Krishnaswamy committee.
Priority Sector Lending is an important role
given by the Reserve Bank of India (RBI) to the
banks for providing a specified portion of the
bank lending to few specific sectors.
As per the RBI circular of July 7, 2016, there
are 8 broad categories of the PSL viz.
(1) Agriculture
(2) Micro, Small and Medium Enterprises
(3) Export Credit
(4) Education
(5) Housing
(6) Social Infrastructure
(7) Renewable Energy
(8) weaker sections.
Private sector lending is essentially meant for
an all-round development of the economy and
not just focus on the financial sector.
Private sector lending is also linked to the
Double Financial Repression. In India, private
sector lending has been made a salient
feature of banking mainly due to the social
and economic objectives that underlie PSL.
However, banks are also required to keep
certain amount to maintain Statutory Liquidity
Ratio (SLR) and from the remaining disposable
amount, 40 per cent is dedicated for the
priority s
economic survey has brought this issue to the
forefront and has recommended the
government to restructure SLR and Priority
Sector Lending.
13. NPA and Recovery
What is an NPA?
Non-performing assets are bad loans. Once
a borrower fails in payment of interest or
instalment of the principal or both for 90
days at least, the loan is considered an
NPA.
Rise in NPAs has taken a toll on stock prices
of most of these banks. So, RBI rules require
that banks should set aside certain amount of
money (provisioning) for the NPAs. NPAs are
classified as sub standard, doubtful and
loss-making assets for provisioning
requirements
Substandard asset
NPA for a period
less than or equal to
12 months.
Doubtful asset
NPA for a period of
more than 12
months.
Loss asset
NPA for a period of
more than 36
months
Classification of NPAs for Agriculture
loans:
A loan will be treated as an NPA if
instalment of the principal or interest
remains unpaid beyond the due date for
(i) two crop seasons in case of short
duration crops (maturing within one year);
(ii) one crop season for long duration crops
(maturing after one year).
To recover the NPAs, many measures have
been taken, like: Provisioning, CAR norms,
Securitization law, Foreclosure, Norms, One-
time settlement, Interest Waiver, Write-offs,
Debt recovery tribunals, Asset reconstruction
companies
With a view to bringing convergence of the
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Priority Sector Lending guidelines for
housing loans with the Affordable Housing
Scheme, and to give a relaxation to low-
cost housing for the Economically Weaker
Sections the housing loan limits for
eligibility under priority sector lending will
be revised to Rs 35 lakh in metropolitan
centres from Rs 28 and to Rs 25 lakh from
Rs 20 lakh earlier in other centres, provided
the dwelling cost does not exist Rs 45 lakh.
SARFAESI ACT 2002
(1) The Securitisation and Reconstruction of
Financial Assets and Enforcement of
Securities Interest Act, 2002 (also known as
the SARFAESI Act) is an Indian law. It allows
banks and other financial institution to
auction residential or commercial properties
to recover loans.
(2) It is used to expedite recovery of loans and
bring down the non performing asset level
of the Indian banking and financial sector.
(3) It will thus become easier to recover bad
loans from wilful defaulters.
Prompt Corrective Action (PCA)
(1) To ensure that banks don't go bust, RBI has
put in place some trigger points to assess,
monitor, control and take corrective actions
on banks which are weak and troubled. The
process or mechanism under which such
actions are taken is known as Prompt
Corrective Action, or PCA.
(2) It maintains sound financial health of
banks, which involves monitoring of certain
performance indicators of the banks as an
early warning exercise.
(3) Regulators use 4 different capital
measures i.e. a total risk and a Tier - 1 based
capital ratio, leverage and Equity to assets
ratio. Reserve Bank of India (RBI) has put state-
run lender Dena Bank under prompt
corrective action (PCA) framework.
The Reserve Bank of India (RBI) has placed
11 public sector banks (PSBs) out of 21
State-owned banks under its Prompt
Corrective Action (PCA) framework
because of deteriorating performance.
Three-four more PSBs are expected to be
brought under PCA framework.
Asset Reconstruction Company
(1) In order to recover the bad debts (sticky
loans), the Asset Reconstruction Company,
who have built in professional expertise,
handles recovery as their core business.
(2) ARCs buy bad loans from banks and try to
restructure them and collect them. ARC is
formed under SARFAESI Act, 2002.
(3) Under this Bank / FIs have the power to
sell their bad loans. The loans which are of 1
lakh or more fall in this category
Debt Recovery Tribunal
(1) The Government of India has constituted
38 Credit Recovery Tribunals (DRT) and
constituted the 5 Debt Restore Appeal
Tribunal (DRAT) across the country.
(2) The Debts Recovery Tribunal (DRT)
enforces provisions of the Recovery of Debts
Due to Banks and Financial Institutions
(RDDBFI) Act, 1993 and Securitization and
Reconstruction of Financial Assets and
Enforcement of Security Interests (SARFAESI)
Act, 2002.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
(3) The Debt Recovery Tribunal is located
Debts due to Banks and Financial Institutions
(4) As per the act, the issue is to be settled in
6 months and in this case the success rate is
around 20 30%.
Strategic Debt Restructuring (1) Strategic Debt Restructuring (SDR) Scheme
allows banks and non-banking lending
institutions to convert their loans into equity
stake.
(2) Under the SDR scheme, banks are
exempted from making an open offer while
acquiring majority stake in a stressed
company.
(3) The Joint Lenders Forum/Corporate
Restructuring Cell can initiate the SDR
scheme.
(4) The SDR as an initiative can be taken by
the group of banks or JLF that have given
loans to the defaulted entity. The Joint Lender
Forum (JLF) is a committee comprised of the
entire bankers who have given loans to a
potentially stressed or stressed borrower.
The Joint Lenders' Forum (JLF) as an
institutional mechanism for resolution of
stressed accounts stands discontinued in
accordance with the Insolvency and
Bankruptcy Code (IBC).
Lok Adalats
(1) Lok Adalat ("Public Court" or "People's
Court") is one of the Alternative dispute
resolution mechanisms in India, it is a forum
where cases pending or at pre-litigation stage
in a court of law are settled.
(2) Created under Legal Services Authority
Act 1987.
(3) Lok Adalats have been found suitable for
the recovery of small loans.
(4) According to RBI guidelines issued in 2001,
they cover NPA up to Rs. 20 lakhs, both suits
filed, and non-suit filed are covered.
14. KYC
the process of banks asking for your identity
proof. This prevents fraud and misuse of
banking facility. It is similar to a security
check.
The Reserve Bank of India (RBI) has made
linking of national biometric ID Aadhaar to
bank accounts mandatory as part of its
updated 'Know Your Customer (KYC)'
guidelines. RBI has also imposed a penalty
of Rs 5 cr on south Indian bank for non-
compliance with its directions on Income
Recognition and Asset Classification (IRAC)
norms, Know Your Customer (KYC) norms
and treasury function.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
What is CTR?
Currency Transaction Report is a bank form
used as a tool to prevent Money.
What is STR?
An STR is Suspicious Transaction Report.
Firstly, A suspicious transaction is one for
which there are reasonable grounds to
suspect that the transaction is related to a
money laundering offence or a terrorist
activity financing offence.
15. Important Financial Institutions
1. RBI
The Reserve Bank of India (RBI) is India's
Central Banking Institution which controls the
monetary policy of Indian rupee. It
commenced its operations on 1 April 1935 in
accordance with the Reserve Bank of India
Act 1934.
Urjit Patel is the governor of RBI.
RBI has revised its priority sector lending
guidelines for housing loan under Pradhan
Mantri Awas Yojna. Housing Loan of up to
Rs 35 Lakh for dwelling costing less than 45
Lakh will be treated as PSL to uplift low
cost segment to the society.
From now, according to RBI Interest
subsidy scheme on short-term crop loans
up to lakh rupees will be implemented
through the Direct benefit transfer mode.
The Reserve Bank of India (RBI) has made
Monetisation
Scheme (GMS to enable people to open a
hassle-free gold deposit account.
The Reserve Bank of India (RBI) has
announced its second Bi- monthly
Monetary Policy Rates for 2018-19 in
Mumbai. RBI increase the policy repo rate
under the liquidity adjustment facility (LAF)
by 25 basis points to 6.25%. The reverse
repo rate under the LAF stands adjusted to
6.0% The marginal standing facility (MSF)
rate and the Bank Rate to 6.50%. Cash
Reserve Ratio (CRR) remains unchanged at
4%.
Mahesh Kumar Jain has been appointed as
the fourth Deputy Governor at Reserve
Bank of India for period of 3 years.
The other three deputy directors of RBI are
Viral Acharya, and B P Kanungo and N S
Vishwanathan.
Sudha Balakrishnan has been appointed
the first ever Chief Financial
Officer (CFO) of the Reserve Bank of
India (RBI).
RBI had organised a Financial Literacy
Week from 1st- 8th June 2018, throughout
the nation. The Theme for the Programme
2. NABARD
National Bank for Agriculture and Rural
Development (NABARD) is India's specialised
Bank for Agriculture and Rural Development
in India. NABARD was established by Act 61,
1981 of Parliament on 12 July 1982 to
implement the National Bank for Agriculture
and Rural Development Act 1981.
HQ: Mumbai;
Chairman: Dr. Harsh Kumar Bhanwala
Subsidiaries of NABARD: NABCONS,
NABFINS, ABFL.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
The Cabinet Committee on Economic
Affairs (CCEA) approved initial corpus of
Rs.5,000 crore for setting up of dedicated
Micro Irrigation Fund (MIF) in NABARD
(National Bank for Agriculture and Rural
Development) under Pradhan Mantri Krishi
Sinchayee Yojana (PMKSY).
A bill to increase authorised capital of
National Bank for Agriculture and Rural
Development (Nabard) by six times to
Rs30,000 crore and enable exit of Reserve
Bank of India (RBI) was passed by
Parliament after the government assured
that there is no plan to have private holding
in it.
3. SEBI
The Securities and Exchange Board of India
(SEBI) is the regulator for the securities
market in India. It was established in the year
1988 and given statutory powers on 30
January 1992 through the SEBI Act, 1992.
Recently, SEBI has approved amendments
to buyback and takeover regulations and
changed the time for announcing the price
band of initial public offering (IPO) from 5
to 2 days
4. NATIONAL HOUSING BANK
Housing Bank (NHB), a wholly owned
subsidiary of Reserve Bank of India (RBI), was
set up on 9 July 1988 under the National
Housing Bank Act, 1987.
The National Housing Bank (NHB) has
sanctioned around Rs 3,018 crore under
the credit-linked subsidy scheme (CLSS) of
the Pradhan Mantri Awas Yojana (PMAY).
The present MD and CEO of NHB is Sriram
Kalyanaraman.
5.EXIM BANK
Export Import Bank of India is the premier
export finance institution in India, established
in 1982 under Export-Import Bank of India Act
1981.
EXIM Bank has extended USD 10 million
worth of line of credit (LOC) to Seychelles.
The EXIM Bank will provide loan of upto 4.5
bn to Bangladesh for financing of various
social and infrastructure projects.
6.DICGC
Deposit Insurance and Credit Guarantee
Corporation (DICGC) is a subsidiary of
Reserve Bank of India. It was established on 15
July 1978 under Deposit Insurance and Credit
Guarantee Corporation Act, 1961.
HQ: Mumbai;
Chairman: B.P.Kanungo.
7.ECGC
ECGC Ltd, was established in July 1957 to
strengthen the export promotion by covering
the risk of exporting on credit. The name of
the company has been changed from ERIC to
ECGC Ltd. with effect from 8 August 2014.
The Cabinet Committee on Economic
Affairs (CCEA) has approved the capital
infusion of Rs. 2000 crore for
strengthening of Export Credit Guarantee
Corporation (ECGC) to enhance insurance
coverage to micro, small medium
enterprises (MSMEs) exports. The amount
will be infused in three financial year i.e.
Rs.50 crore in 2017-18, Rs.1450 crore in
2018-19 and Rs.500 crore in 2019-20.
8. SIDBI
Small Industries Development Bank of India
(SIDBI) is a development financial institution
in India. It was established on 2nd April 1990.
Small Industries Development Bank of
India (SIDBI) and Common Service
Centres (CSC) Special Purpose Vehicle
(SPV) signed MoU for providing financial
Support village level entrepreneurs in
CSCs.
The Small Industries Development Bank of
India (SIDBI) celebrated its foundation day
this year on April 2, 2018.
9. IFC
The International Finance Corporation (IFC) is
an International Financial Institution that
offers investment, advisory, and asset-
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
management services to encourage private-
sector development in developing countries.
It was established in 20 July 1956.
16. Important Acts
1. RBI Act
The Reserve Bank of India Act 1934 is an Act
to constitute a Reserve Bank of India (RBI) and
provide the Central Bank with various powers
to act as the Central Bank of India.
2. NABARD Act
NABARD was established by Act 61, 1982 of
the Parliament to implement the National
Bank for Agriculture and Rural Development
Act 1981.
3. RRB Act
The RRB Act 1976 was adopted to provide
sufficient banking and credit facility for
agriculture.
4. BANKING REGULATION Act
The Banking Regulation Act, 1949 is a
legislation in India that regulates all Banking
firms in India.
5. SEBI Act
The Securities and Exchange Board of India
(SEBI) is the regulator for the securities
market in India. It was established in the year
1988 and given statutory powers on 30
January 1992 through the SEBI Act, 1992.
17. Monetary Policies
1. CASH RESERVE RATIO
Cash Reserve Ratio (CRR) is a specified
minimum fraction of the total deposits of
customers, which Commercial Banks must
hold as reserves either in cash or as deposits
with the Central Bank.
Current Rate 4%
2. STATUTORY LIQUIDITY RATIO
Statutory Liquidity Ratio (SLR) is the Indian
Government term for the reserve requirement
that the Commercial Banks in India are
required to maintain in the form of cash, gold
reserves, government approved securities
before providing credit to the customers.
Current Rate 19.5%
3. REPO RATE
Repo Rate is the rate at which the Central
Bank of a Country (Reserve Bank of India in
case of India) lends money to Commercial
Banks in the event of any shortfall of funds.
Current Rate 6.25%
4. REVERSE REPO RATE
Reverse Repo Rate is the rate at which the
Central Bank of a country borrows money
from Commercial Banks within the country. It
is a monetary policy instrument which can be
used to control the money supply in the
country.
Current Rate 6%
5. BANK RATE
Bank rate is the rate charged by the Central
Bank for lending funds to Commercial Banks.
Current Rate 6.50%
6. MARGINAL STANDING FACILITY
Marginal Standing Facility (MSF) is the rate at
which scheduled banks could borrow funds
overnight from the Reserve Bank of India
(RBI) against approved government securities.
Current Rate 6.50%
7. OPEN MARKET OPERATIONS
Open Market Operations (OMO) refer to
buying and selling of government securities in
the open market to expand or contract the
amount of money in the Banking System.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
INDICATORS CURRENT
RATE
CRR 4%
SLR 19.5%
Repo Rate 6.25%
Reverse Repo Rate 6.00%
MSF 6.50%
18. Types of Accounts
1. CURRENT ACCOUNT
A current account, also known as financial
account is a type of deposit account
maintained by individuals who carry out
significantly higher number of transactions
with banks on a regular basis.
2. SAVINGS ACCOUNT
A savings account is an interest-bearing
deposit account held at a Bank or another
financial institution that provides a modest
interest rate.
3. FIXED DEPOSIT ACCOUNT
A Fixed Deposit (FD) is a financial instrument
provided by Banks or NBFCs which provides
investors a higher rate of interest than a
regular savings account, until the given
maturity date.
4. RECURRING DEPOSIT ACCOUNT
Recurring Deposit is a special kind of Term
Deposit offered by Banks in India which help
people with regular incomes to deposit a
fixed amount every month into their Recurring
Deposit account and earn interest at the rate
applicable to Fixed Deposits.
5. FLEXIBLE ACCOUNT A Flexible Spending Account (FSA), also
known as a flexible spending arrangement, is
one of several tax-advantaged financial
accounts.
6. DORMANT ACCOUNT
A dormant account refers to a Bank Account
which had no activity for a long period of
time, other than posting interest.
7. DEMAT ACCOUNT
A Demat Account is an account that allows
investors to hold their shares in an electronic
form.
8. NRI ACCOUNT
In Indian Banking terminology, the term NRI
Account refers to funds deposited by a Non-
Resident Indian.
9. NRO ACCOUNT
An NRO account is a savings or current
account held in India that helps NRIs manage
income earned in India such as rent,
dividends, or pension from abroad.
10. FCNR ACCOUNT
FCNR (Foreign Currency Non-Repatriable
Account) is a Fixed Deposit Foreign Currency
account and not a savings account. Deposits
in this account can be made in any of the
major foreign currencies like US Dollar, UK
Pound, Canadian Dollar, Deutsche Mark,
Japanese Yen and Euro.
It is available for term deposits of 1 to 5 years
and loans up to Rs.100 lakh can be extended
against funds held in FCNR.
11. NOSTRO ACCOUNT
Nostro account refers to an
account maintained by an Indian Bank in the
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
foreign countries.
12. VOSTRO ACCOUNT
A Vostro account is maintained by a foreign
bank in India with their corresponding bank.
13. EEFC ACCOUNT
(EEFC) is an account maintained in foreign
currency with an authorised dealer.
14. NRE ACCOUNT
NRE Savings Account enables NRIs to park
their foreign income earned outside India.
19. Types of Loans
1. SYNDICATE LOAN
A Syndicated Loan, also known as a
Syndicated Bank facility, is a loan offered by a
group of lenders referred to as a Syndicate
who work together to provide funds for a
single borrower.
2. BRIDGE LOAN
A bridge loan is a type of short-term loan,
typically taken out for a period of 2 weeks to
3 years pending the arrangement of larger or
longer-term financing.
3.TEASER LOAN
A teaser loan is usually an Adjustable-Rate
Mortgage (ARM) with an artificially low initial
interest rate.
4. STUDENT LOAN
Student loans are offered to college students
and their families to help cover the cost of
higher education.
5. MORTGAGES
Mortgages are loans distributed by Banks to
for upfront. A mortgage is tied to your home,
meaning you risk foreclosure if you fall behind
on payments. Mortgages have among the
lowest interest rates of all loans.
6. PERSONAL LOANS
Personal loans can be used for any personal
purpose. This makes them an attractive
option for people with outstanding debts,
such as credit card debt, who want to reduce
their interest rates by transferring balances.
7. LOANS FOR VETERANS
The Department of Veterans Affairs (VA) has
lending programs available to veterans and
their families. With a VA-backed home loan,
money does not come directly from the
administration.
8. SMALL BUSINESS LOANS
Small Business Loans are granted to
entrepreneurs and aspiring entrepreneurs to
help them start or expand a business.
9. PAYDAY LOAN
Payday loans are short-term, high-interest
loans designed to bridge the gap from one
pay check to the next, used predominantly by
repeat borrowers living pay check to pay
check.
10. CONSOLIDATED LOAN
A consolidated loan is meant to simplify your
finances. Simply put, a consolidate loan pays
off all or several of your outstanding debts,
particularly credit card debt.
11. CASH ADVANCES
A cash advance is a short-term loan against
your credit card. Instead of using the credit
card to make a purchase or pay for a service,
you bring it to a Bank or ATM and receive
cash to be used for whatever purpose you
need.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
12. HOME EQUITY LOANS
Home Equity Loans and Home Equity Lines of
a source of collateral so interest rates are
considerably lower than credit cards.
13. LIFE INSURANCE
Those with retirement funds or life insurance
plans may be eligible to borrow from their
accounts.
14. AUTO LOAN
This type of loan may be distributed by a Bank
or by the car dealership directly, but you
should understand that while loans from the
dealership may be more convenient, they
often carry higher interest rates and
ultimately cost overall more.
20. Banking Ombudsman Scheme
The Banking Ombudsman Scheme is an
expeditious and inexpensive forum for bank
customers for resolution of complaints
relating to certain services rendered by Banks.
The Banking Ombudsman Scheme is
introduced under Section 35 A of the Banking
Regulation Act, 1949 by RBI with effect from
1995. Presently the Banking Ombudsman
Scheme 2006 (as amended up to July 1, 2017)
is in operation.
21. Money Market
It is the trade in short-term loans between
banks and other financial institutions.
Usually, financial instruments with high
liquidity and short-term maturities are
traded.
Few instruments of Money Market are:
1. Call Money - Is the money loaned by a bank
or other institution which is repayable on
demand for 1 day. Call money does not have a
fixed schedule, nor does the lender need to
provide any notice of repayment.
Period - 1 day
2. Notice Money - The money that is lent for
one day in money market is known as call
money and if it exceeds one day, it is known
as notice money. Period - 2-14 days
3. Term Money - While Call money and notice
money refers to short-term funds (less than 14
days). Period - 15 days - 1 year
4. Certificate of Deposits - It is equivalent to
promissory note and is negotiable. Certificate
of Deposits (CD) is issued in lieu of the funds
deposited at a bank for a specified time. It
was introduced in July 1989, to enable the
banking system to mobilize bulk deposits
from the market.
Minimum amount: 1 lakh; Period: 7 days - 1
year
5. Commercial Papers - Commercial
Paper, introduced in 1990, is issued (sold) by
large corporations to obtain funds to meet
short-term debt obligations and is backed
only by an issuing bank or company promise
to pay the face amount on the maturity date
specified on the note.
Minimum amount: 5 lakhs or its multiples;
Period: 7 days - 1 year
6. Treasury Bills - These are short term
borrowing instruments of the Government
of India. Treasury Bills enable investors to
park their short term surplus funds while
reducing their market risk. They are auctioned
by Reserve Bank of India at regular intervals
and issued at a discount to face value.
Minimum amount: Rs. 25000 or its multiples;
Period: 91 days, 182 days & 364 days.
7. Ways and Means of Advances - is a method
used by Reserve Bank of India (RBI) under its
credit policy by which it helps States banking
with it to tide over temporary mismatches in
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
the cash flow of their receipts and payments.
8. Cash Management Bills - are short term
bills issued by central government to meet its
immediate cash needs. The bills are issued by
the RBI on behalf of the government.
22. Negotiable Instruments Act 1881
A negotiable instrument is a piece of paper
which entitles a person to a sum of money
and which is transferable from one person
to another by mere delivery or by
endorsement and delivery.
According to Section 13 of the Negotiable
Instruments Act, "A negotiable instrument
means a promissory note, bill of exchange
or cheque payable either to order or to
bearer.
The new Negotiable Instruments
Amendment Bill provides for interim
compensation to the complainant to the
tune of 20% of cheque amount.
1. Promissory Note - is a financial instrument
that contains a written promise by one party
(the note's issuer or maker) to pay another
party (the note's payee) a definite sum of
money, either on demand or at a specified
future date
2. Bill of Exchange - is like promissory note
and is a written order used primarily in
international trade that binds one party to pay
a fixed sum of money to another party on
demand or at a predetermined date.
3. Cheque - is a document (written on a
specially printed form) that orders a bank to
pay a specific amount of money from a
person's account to the person in whose
name the cheque has been issued.
Types of Cheques
Type Description
Order
Cheque
This is a cheque which is
payable to a particular person
or his order. In this cheque the
cheque is cancelled.
Bearer
Cheque
This cheque is payable to a
person whosoever bears.
Bearer cheque sometimes can
bearer or made payable to a
specific name
Blank
Cheque
In this type of cheque, the
drawer puts his signature and
leaves all other columns blank
Counter
cheque
This cheque requires MICR
encoded to be handled by
their clearing houses. It was
common for banks, especially
in small towns, to issue
cheque to customers which
were not personalized other
than the name of the bank.
Stale
Cheque
Is a cheque presented at the
paying bank after almost 3
months of its payment date.
Mutilated
Cheque
Is a cheque that is torn into
two or more pieces
Post Dated
Cheque
Is a cheque that a bear a date
later than the date of issue.
Open
Cheque
Is a cheque that is not a
crossed. The person whose
name appears on the cheque
can write the name of another
person on it and the money
will be paid to him.
Crossed
Cheque
Is a cheque having two short
parallel lines marked across its
face.
Gift Cheque is a cheque in a decorative
form issued for a small extra
charge by the banks for use by
customers who wish to give
presents of money on special
occasions.
This cheque is issued by a
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Cheque bank for remittance of money
from one place to another.
Self-cheque is a cheque written by the
account holder as pay self to
receive the money in the
physical form from the branch
where he holds his account.
Bankers
Cheque
It is an instrument issued by
the bank on behalf of
customer containing an order
to pay a certain sum to a
specified person within the
city.
Outstanding
cheque
Is a cheque which has been
written and therefore has been
ledgers, but which has not
been presented for payment
and so has not been debited
account
23. Endorsements
• Endorsement has various definitions
depending on the context of its use.
• For example, a signature authorizing
the legal transfer of a negotiable
instrument between parties is an
endorsement.
• As per Section 15 of Negotiable
Instrument Act, 1881 endorsing means
signing on the face or backside of an
instrument (or even on a paper called
Allonge or stamped paper), for
negotiating (transferring to next
person) a negotiable instrument.
• Endorsements can be an amendment
to a contract or document such as a
life insurance policy or a driver's
license.
• A public declaration of support for a
person, product, or service is also an
endorsement.
24. Financial Inclusion
Financial inclusion basically means making
credit, banking and financial services &
products accessible to:
(1) Weaker section and low-income group
(2) People residing in remote or rural areas
and villages.
It also includes:
1. Promoting healthy banking habits of
investment, money-saving, insurance, etc.
among these groups.
2. Making loans available for these groups at
reasonable rates. To save them from cruel and
exploitative moneylenders.
Types of Financial Inclusion:
Financial inclusion aims to take care people
who fall in 2 types of groups:
1. Low Income section in Urban Areas
2. Low Income section in Rural Areas
So, to carry out financial inclusion
successfully, some important initiatives taken
are:
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Fig: Financial Inclusion Initiatives
LBS (Lead B anking Scheme)
Started: 1969 by RBI
Recommended by: Gadgil Study Group &
Nariman Committee.
Aim: Bridging the gap left by absence of
commercial banks in rural areas.
Implementation: A public or private bank was
allotted an area (district) in which that bank
had to play a lead role in providing financial
services to the people, making them aware
about the banks and various benefits of banks
and generating trust among people so they
deposit their money without any fear of loss
or fraud.
Points to Remember:
(1) Every district in the country is now allotted
to a bank.
(2) The lead bank to whom a district is
allotted, is responsible for coordination of
activities and services of all financial
institutions in that area.
(3) A Lead Bank Officer (LBO) now called
Lead District Manager is also appointed, who
takes care of all concerned activities.
(4) SLBC
at state level coordinate and implement
programmes and policies by financial
institutions operating in States.
No Frills Account
Started: 2005 by RBI
Recommendation by: Rangarajan Committee
Aim: Simplified KYC norms and either nil or
very low minimum balance to help low
income groups maintain bank accounts.
Implementation: However, all the existing
-
into BSBDA (Basic Savings Bank Deposit
Accounts).
BSBDA Account
Started: 2012 by RBI
Aim: To extend benefits of no-frills account to
common man.
Implementation: Applicable to all scheduled
commercial banks in India including Foreign
Banks having branches in India.
Points to Remember:
(1) A BSBDA account is like a savings bank
account (that any person 10+ years in age) can
open. Services available with BSBDA account
are: Deposit and withdrawal, transfer funds,
cheque facility, passbooks, ATM cards and
number of withdrawals to 4 using any mode in
a month.
(2) A BSBDA account can be opened in any
commercial bank and even in foreign banks.
But a person having BSBDA account in a bank
cannot have a savings account in the same
bank.
(3) A person already having savings account
can open a BSBDA in the same bank. But
he/she will have to close the savings account
within 30 days from the date of opening of
BSBDA.
(4) While there will be no limit on number of
deposits that can be made in a month,
account holders will be allowed a maximum of
four withdrawals in a month, including ATM
withdrawals.
(5) Accounts enjoying additional facilities
under the reasonable pricing structure for
value added services, exclusively for BSBDA
customers should not be treated as BSBDAs.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
BSBDA-Small Account:
If a customer wants to open an account
without KYC norms, then also a bank
account can be opened for him but that will
be treated as BSBDA-Small Account with
conditions as:
1. Total credits in such accounts
should not exceed 1 lakh rupees in
a year.
2. Maximum balance in the account
should not exceed fifty thousand
rupees at any time.
3. In a month, the total of cash
withdrawals and transfers cannot
exceed Rs 10,000.
4. Foreign remittances cannot be
credited to Small Accounts without
completing normal KYC
formalities.
5. Small accounts are valid for a
period of 12 months initially which
may be extended by another 12
months if the person provides
proof of having applied for an
Officially Valid Document.
6. Small Accounts can only be opened
at Core Banking System (CBS)
linked branches of banks or at such
branches where it is possible to
manually monitor the fulfilments of
the conditions.
Pradhan Mantri Jan Dhan Yojana
Prime Minister's People's' Wealth Scheme is a
government scheme that aims to expand and
make affordable access to financial services
such as bank accounts, remittances, credit,
insurance and pensions.
Business Correspondence is exchange of
information in a written format for the
process of business activities that can take
place between organizations, within
organizations or between the customers and
the organization.
Business Correspondence includes
individuals, NGOs, SHGs, NBFCs, Payment
Banks and so on.
White Label ATMs
Automated Teller Machines (ATMs) setup,
owned and operated by non-bank entities are
Tata Communications Payment Solutions
(TCPS), started 1st white label ATM (WLA) at
Chandrapada, a tier-V town near Mumbai
Government has allowed 100% FDI in White
Labelled ATM operations since 2015.
Self-Help Group
SHGs have their origin from the Gramin Bank
of Bangladesh which was founded in 1975 by
the economist Prof. Mohammad Yunus of
Chittagong University.
SHG-Bank Linkage Programme was started
based on recommendation
of S K Kalia Committee.
SHG - Bank Linkage was started in 1992 under
the guidelines of NABARD and Reserve Bank
of India.
It is a village-based financial intermediary
committee comprising of 10 20 local women
or men.
25. Capital Market
Capital market is a platform where
investors and buyers get into trade of
financial securities such as bonds, stocks,
etc.
1. IPO - Stands for Initial Public Offering. It is a
term used when a private company or
corporation raises investment capital by
offering its stock to the public for the first
time.
2. FPO - Stands for Follow on Public Offer. It
is a process by which an already
listed company on an exchange issues new
shares to the investors or the existing
shareholders, usually the promoters.
3. Right Issue - It is an invitation to existing
shareholders to purchase additional new
shares in the company.
4. ADR - Stands for American Depository
Receipt. It is a negotiable certificate issued by
a U.S. bank that represents a specified
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
number of shares (or one share) in a foreign
stock traded on a U.S. exchange. Negotiable
means its price is not firmly established, and
therefore its ownership is easily transferable.
5. GDR - Stands for Global Depository Receipt
(GDR). It is a bank certificate issued in more
than one country for shares in a foreign
company. The shares are held by a foreign
branch of an international bank.
6. IDR - International Depository Receipt is a
negotiable certificate that a bank issue. It is
also known as ADR in U.S.A. In Europe, IDRs
are known as Global Depository Receipts, and
trade on the London, Luxembourg and
Frankfurt exchanges.
7. NSDL - Stands for National Securities
depository and refers to the organization
meant for holding and safeguarding the
securities that are traded in the securities
market.
8. CDSL - Central Depository Services Limited
is a depository service that works for the
Bombay Stock Exchange (BSE). Its primary
function is to hold securities either in
certificated or uncertificated (dematerialized)
form and enable the book-entry transfer of
securities up to 500 shares in physical form.
CDSL is promoted by the State Bank of India
(SBI), Bank of India, Bank of Baroda, HDFC
Bank, Standard Chartered Bank, Axis Bank
and the Union Bank of India.
9. Debenture - It is a type of debt instrument
that is not secured by physical assets or
collateral. Corporations and governments
frequently issue this type of bond to secure
capital. These are usually documented in an
indenture.
10. BSE - The Bombay Stock Exchange was
established by Premchand Roychand in 1875.
be the world's fastest stock exchange, with a
median trade speed of 6 microseconds.
11. Sensex - It is the benchmark index of the
Bombay Stock Exchange (BSE) and is also
known as S&P. It is composed of 30 of the
largest and most actively-traded stocks on the
BSE, providing an accurate gauge of India's
economy.
12. NSE - The National Stock Exchange of
demutualized electronic exchange.
13. Nifty - Like Sensex, Nifty is a major stock
index introduced by the NSE in India. The
d because;
the index consists of 50 actively traded stocks
from various sectors.
14. OTCEI - The Over-The-Counter Exchange
Of India (OTCEI), founded in 1990 is an
electronic stock exchange that consists of
small- and medium-sized firms aiming to gain
access to the capital markets like electronic
exchanges in the U.S. such as the Nasdaq.
There is no central place of exchange, and all
trading occurs through electronic networks.
The OTCEI is no longer a functional exchange
as the same has been derecognised by SEBI
vide its order dated 31 Mar 2015.
15. Commodity Market - It is a physical or
virtual marketplace for buying, selling and
trading raw or primary products. There are
about 50 major commodity markets
worldwide that facilitate investment trade in
approximately 100 primary commodities.
16. MCX - The Multi Commodity Exchange of
India Ltd. was established in 2003 and is an
independent commodity exchange. It is
India's largest commodity derivatives
exchange where the clearance and
settlements of the exchange happen.
17. NCDEX - National Commodity &
Derivatives Exchange Limited is an online
commodity exchange based in India.
18. Derivatives - It is a contract between two
or more parties based upon the asset or
assets. Its price is determined by fluctuations
in the underlying asset. The most common
underlying assets include stocks, bonds,
commodities, currencies, interest rates and
market indexes.
Forward
Contract
It is a private agreement
between two parties giving the
buyer an obligation to
purchase an asset (and the
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
seller an obligation to sell an
asset) at a set price at a future
point in time.
Future
Contract
It is a contract for assets
(especially commodities or
shares) bought at agreed
prices but delivered and paid
for later.
Option It is a contract, or a provision
of a contract, that gives one
party (the option holder) the
right, but not the obligation to
perform a specified
transaction with another party
(the option issuer or option
writer) according to specified
terms.
- Call Option: This option
provides the holder the right
(but not the obligation) to
purchase an underlying asset
at a specified price (the strike
price), for a certain period.
- Put Option: This option gives
the holder the right to sell an
underlying asset at a specified
price (the strike price).
SWAP It is a derivative contract
where two parties exchange
financial instruments.
17. Mutual Fund - It is an investment vehicle
made up of a pool of money collected from
many investors for investing in securities such
as stocks, bonds, money market instruments
and other assets. Mutual Funds are regulated
in India by SEBI.
The most popular types of mutual funds in
India are -
• Equity funds
• Debt funds
• Money market funds
• Index funds
Net asset value (NAV) represents a funds per
share market value. NAV is the sum of the
market value of all the shares held in the
portfolio divided by the total number of units
outstanding.
Close Ended
Scheme
Open Ended
Scheme
A scheme where
funds are raised
for a fixed period
and is wound up
after a certain
period.
It is available for
subscription and
repurchase on a
continuous basis
and do not have a
fixed maturity
period.
26. Basel Norms
- The Basel accord are a set of agreements
set by Basel Committee on Banking
Supervision (BCBS) which provides
recommendation on banking regulation
with respect to capital risk, market risk and
operational risk.
- The BCBS's secretariat is located at Bank
of International Settlements in Basel,
Switzerland.
- The purpose of this accord is to ensure
that financial institutions have enough
capital to meet obligations and absorb
unexpected stress.
Capital Adequacy Ratio:
Basel Norms I
It divides the asset account to risk in 5
categories:-
1. 0% Risk
2. 10% Risk
3. 20% Risk
4. 50% Risk
5. 100% Risk
Basel Norms II
The 3 main pillars of the Basel Norms II are:
- Minimum Capital requirement
- Supervisory Review
- Market discipline
India adopted Basel-II in 2009.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Basel Norms III
- RBI extended the timeline for fully
implementation of Basel-III capital regulation
by a year to March 31st, 2019.
- Indian government estimated the total Risk
Weighted Assets till 2019 will be 120 lakh
crore Rupees and where CAR is minimum 9%.
27. List of International Airports in India
Airports
Name City
State / Union
Territory
Veer Savarkar
International
Airport
Port Blair
Andaman and
Nicobar
Islands
Visakhapat-
nam Airport
Visakha-
patnam
Andhra
Pradesh
Lokpriya
Gopinath
Bordoloi
International
Airport
Guwahati Assam
Gaya Airport Gaya Bihar
Indira Gandhi
International
Airport
New Delhi Delhi
Goa
International
Airport
Whole
state Goa
Sardar
Vallabhbhai
Patel
International
Airport
Ahmed-
abad
Gujarat
Kempegowda
International
Airport
Bengaluru Karnataka
Mangalore
International
Manga-
lore Karnataka
Airport
Cochin
International
Airport
Kochi Kerala
Calicut
International
Airport
Calicut Kerala
Trivandrum
International
Airport
Thiruvan-
anthap-
uram
Kerala
Chhatrapati
Shivaji
International
Airport
Mumbai Maharashtra
Dr. Babasaheb
Ambedkar
International
Airport
Nagpur Maharashtra
Pune Interna-
tional Airport Pune Maharashtra
Tulihal Airport Imphal Manipur
Biju Patnaik
International
Airport
Bhuban-
eswar Odisha
Sri Guru Ram
Dass Jee
International
Airport
Amritsar Punjab
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Jaipur
International
Airport
Jaipur Rajasthan
Rajiv Gandhi
International
Airport
Hydera-
bad Telangana
Tiruchirappalli
International
Airport
Tiruchira-
palli Tamil Nadu
Chennai
International
Airport
Chennai Tamil Nadu
Coimbatore
International
Airport/Civil
Aerodrome
Coimbato
re Tamil Nadu
Guru Ram
dass ji
International
Airport
Amritsar Punjab
Chandigarh
International
Airport
Chandi-
garh Punjab
Chaudhary
Charan Singh
Airport
Lucknow Uttar Pradesh
Lal Bahadur
Shastri Airport Varanasi Uttar Pradesh
Netaji
Subhash
Chandra Bose
International
Airport
Kolkata West Bengal
28. List of Revolutions in India
Revolution Product
Black Revolution Petroleum Product
Blue Revolution Fish Production
Brown Revolution Leather, Cocoa
Golden Fibre
Revolution
Jute Production
Golden Revolution Overall Horticulture,
Honey, Fruit
Production
Green Revolution Agriculture
Production
Grey Revolution Fertilizers
Pink Revolution Onions, Prawn
Red Revolution Meat, Tomato
Production
Evergreen
Revolution
overall agriculture
production growth
Round Revolution Potato Production
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Silver Fibre
Revolution
Cotton Production
Silver Revolution Egg Production
White Revolution Dairy, Milk
Production
Yellow Revolution Oil Seed Production
Round Revolution Potato
29. Indian & International Bank Taglines
Indian Banks and their Taglines
Banks HQ Tagline
State Bank
India
Mumbai The Banker to
Every Indian
Axis Bank Mumbai Badhti ka Naam
Zindagi
Bank of
India
Mumbai Relationship
Beyond Banking
Central
Bank of
India
Mumbai Central to You
Since 1911
Dena Bank Mumbai Trusted Family
Bank
HDFC Bank Mumbai We Understand
your World
IDBI Bank Mumbai Banking for all/
Aao Sochein
Bada
ICICI Bank Mumbai Hum hai na,
Khayal Apka
IDFC Bank Mumbai Banking Hatke
IndusInd
Bank
Mumbai We Make you
Feel Richer/We
Care; Dil Se
Kotak
Mahindra
Bank
Mumbai Let's Make
Money Simple
Yes Bank Mumbai Experience Our
Expertise
Bank of
Maharashtra
Pune Ek Parivar ek
Bank/One
Family One Bank
Allahabad
Bank
Kolkata A Tradition of
Trust
Bandhan
Bank
Kolkata Aapka Bhala
Sabki Bhalai
United Bank
of India
Kolkata The Bank that
U
UCO Bank Kolkata Honors your
Trust
Union Bank
of India
Mumbai Good People to
Bank with
Punjab
National
bank
New
Delhi
The Name You
Can Bank Upon
Punjab and
Sind Bank
New
Delhi
Where Service is
a Way of Life
Canara
Bank
Bengalur
u
Together We
Can
Vijaya Bank Bengalur
u
A Friend You
Can Bank Upon
Syndicate
Bank
Manipal Faithful and
Friendly
Corporation
Bank
Mangalo
re
Prosperity for all
Karnataka
Bank
Mangalo
re
Your Family
Bank, Across
India
Indian Bank Chennai Your Own Bank
Indian
Overseas
Bank
Chennai Good People to
Grow With
Lakshmi
Vilas Bank
Chennai The Changing
Face of
Prosperity
South Indian
Bank
Kerala Experience Next
Generation
Banking
Andhra
Bank
Hyder-
abad
Where India
Banks
Bank of
Baroda
Vado-
dara International
Bank
Citi Union
bank
Tamil
Nadu
Trust and
Excellence since
1904
Karur Vysya
Bank
Tamil
Nadu
Smart Way to
Bank
Oriental Guru- Where Every
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Bank of
Commerce
gram,
Haryana
Individual is
Committed
Federal
bank
Kochi Your Perfect
Banking Partner
International Banks and their Taglines
Bank Tagline
American
Express Bank
Do More
BNP Paribas The Bank for a Changing
World
Barclays Bank Fluent in Finance
Citi Bank Get it Done / The
Citi Never Sleeps
DBS Bank Living, Breathing Asia
Deutsche Bank A Passion to Perform
HSBC Bank
JPMorgan
Chase Bank
The Right Relationship is
Everything
Royal Bank of
Scotland
Make It Happen
Scotia Bank Richer Than You
Think
Standard
Chartered Bank
Your Right Partner
30. Union Cabinet Ministers & their Constituency
Department Ministers Constituenc
y
Ministry of
Personnel, Public
Grievances and
Pensions,
Ministry of
Atomic Energy,
Ministry of Space
All Important
Policy Issues, All
Other Portfolios
not allocated to
any Minister
Narendra
Modi
Varanasi,
Uttar
Pradesh
Ministry of Home
Affairs
Rajnath
Singh
Lucknow,
Uttar
Pradesh
Ministry of
External Affairs
Sushma
Swaraj
Vidisha,
Madhya
Pradesh
Ministry of Road
Transport &
Highways,
Ministry of
Shipping,
Ministry of Water
Resources, River
Development and
Ganga
Nitin
Jairam
Gadkari
Nagpur,
Maharashtra
Rejuvenation
Minister without
portfolio
Arun
Jaitley
Gujarat,
Rajya Sabha
Ministry of
Minority Affairs
Mukhtar
Abbas
Naqvi
Jharkhand,
Rajya Sabha
Minister of
Commerce and
Industry
Ministry of Civil
Aviation(Addition
al charge)
Suresh
Prabhu
Andhra
Pradesh,
Rajya Sabha
Ministry of
Human Resource
Development
Prakash
Javadekar
Madhya
Pradesh,
Rajya Sabha
-Minister of Law
and Justice
-Minister of
Electronics
and Information
Technology
Ravi
Shankar
Prasad
Bihar - Rajya
Sabha
Minister of
Statistics and
Programme
Implementation
D.V.
Sadanand
a Gowda
Bangalore
North,
Karnataka
Minister of Uma Jhansi, Uttar
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Drinking Water
and Sanitation
Bharti Pradesh
Ministry of
Consumer Affairs
& Food & Public
Distribution
Ram Vilas
Paswan
Hajipur,
Bihar
-Ministry of
Railways Minister
of Coal
-Ministry of
Finance
(Additional
Charge)
-Ministry of
Corporate Affairs
Piyush
Goyal
Deoria, Uttar
Pradesh
Ministry of
Women & Child
Development
Maneka
Sanjay
Gandhi
Pilibhit,
Uttar
Pradesh
-Ministry of
Chemicals and
Fertilizers
-Minister of
Parliamentary
Affairs
Ananth-
kumar
Bangalore,
South
Karnataka
Ministry of Steel Vishnu
Deo Sai
Raigarh
Chhattis-
garh
Ministry of Health
& Family Welfare
Jagat
Prakash
Nadda
Himachal
Pradesh,
Rajya Sabha
Ministry of Heavy
Industries and
Public Enterprises
Anant
Geete
Raigad,
Maharashtra
Ministry of Food
Processing
Industries
Harsimrat
Kaur
Badal
Bathinda,
Punjab
-Ministry of Rural Narendra Gwalior,
Development,
Ministry of
Panchayati Raj, -
Ministry of Mines
Singh
Tomar
Madhya
Pradesh
Ministry of Social
Justice &
Empowerment
Thawar
Chand
Gehlot
Madhya
Pradesh,
Rajya Sabha
Ministry of Tribal
Affairs
Jual Oram Sundargarh,
Odisha
Ministry of
Agriculture and
Farmers Welfare
Radha
Mohan
Singh
Purvi
Champaran,
Bihar
Minister of
Textiles
Smriti
Zubin
Irani
Gujarat,
Rajya Sabha
Ministry of
Agriculture and
Farmers Welfare
Radha
Mohan
Singh
Purvi
Champaran,
Bihar
-Ministry of
Petroleum and
Natural Gas, -
Minister of Skill
Development and
Entrepren-
eurship.
Dharmen-
dra
Pradhan
Deogarh,
Orissa
-Ministry of
Science and
Technology,
-Ministry of Earth
Science,
-Ministry of
Environment,
Forest and
Climate Change
Harsh
Vardhan
Chandni
Chowk,
Delhi
Ministry of
Defence
Nirmala
Sitharama
n
Rajya
Sabha,
Karnataka
31. Census 2011
The Indian Census 2011 was referred to as
the seventh census operation after Indian
Independence. The national census 2011
has been run on all the 28 states of the
country and the seven Union Territories.
There have been surveys on cities and
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
districts as well. The data of Indian census
2011 covers all the major aspects of society
like population, sex ratio and literacy
percentage as well. In any government
point of view the topic is very important.
Here are some highlights on census
• First census was conducted in 1872.
• Census 2011 were released in New Delhi
on 31st March 2011 by Union Home
Secretary GK Pillai and RGI C
Chandramouli.
• Census 2011 was the 15th census of India
& 7th census after Independence.
• Total estimated cost of the Census was
INR 2200 crore (US$350 million).
• Total Population estimated - 1,210,569,573
(1.21 Billion).
• India in 2nd rank in population with
17.64%. decadal growth & China is 1st
rank with decadal growth 19% (over 1.35
billion).
• Total male Population - [Males - 623.7
million (51.54%)].
• Total Females Population - 586.46 million
(48.46%).
• Highest Populated State - Uttar Pradesh
followed by Maharashtra and Bihar.
• Least Populated State - Sikkim
• Highest Populated Union territory - New
Delhi
• Least populated Union Territory -
Lakshadweep followed by Daman and Diu
• Highest Urban population In India-
Maharashtra 4,11,00,980
• Lowest urban Population in India -
Lakshadweep 26,967
• Highest Rural Population in India - Uttar
Pradesh 13,16,58,339
• Lowest Rural Population in India (state &
UT)- Lakshadweep 33,683
Sex Ratio (Females per 1000 Males)- 943 :
1000
Sex Ratio State
Sex Ratio (Females per
1000 Males)
Kerala (1084)
Lowest sex ratio Haryana (879)
Highest sex ratio in UT Pondicherry
(1037)
Lowest sex ratio in UT Daman and Diu
(618)
Child (0-6 years) sex ratio 914
Highest child (0-6) sex
ratio in state
Mizoram (971)
Lowest child (0-6) sex
ratio in state
Haryana (830)
Literacy Rate in India
Males 82.14%
Females 65.46%
Highest Literacy
Rate in State
Kerala (94%)
Lowest Literacy
Rate in State
Bihar (61.8%)
Highest Literacy
Rate in UT
Lakshadweep (91%)
Lowest Literacy
Rate in UT
Dadra and Nagar Haveli
(76.24%
32. List of Important Rivers on Cities
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Name of the
River
Name of the City
Alaknanda Badrinath
Bhadra Bhadravathi
Brahmani Rourkela
Brahmaputra Dibrugarh
Guwahati
Chambal Kota
Gwalior
Cooum, Adyar Chennai
Daman Ganga
River
Daman
Ganga Mirzapur
Ganga, Yamuna
& Saraswati
Allahabad
Ganges
Bhagalpur
Haridwar
Kanpur
Patna
Varanasi
Farrukhabad
Fatehgarh
Kannauj
Kanpur Cantonment
Shuklaganj
Chakeri
Hajipur
Ghataprabha Bagalkot
Girna River Malegaon
Godavari Rajahmundry
Nashik
Nanded
Nizamabad
Gomti Jaunpur
Lucknow
Hugli Kolkata
Jhelum Srinagar
Kali Karwar
Kaveri Tiruchirapalli
Erode
Krishna Vijayawada
Sangli
Mahanadi Banki
Cuttack
Mahanadi Sambalpur
Narmada Jabalpur
Bharuch
Netravati,
Gurupura
Mangalore
Noyyal Coimbatore
Panchaganga Kolhapur
Pennar Nellore
Rapti Gorakhpur
Sabarmati Ahmedabad
Saryu Ayodhya
Savitri Mahad
Sharavathi Honnavar
Shipra Ujjain
Sutlej Ferozepur
Tapi Surat
Tungabhadra Koodli
Ulhas Karjat
Vaigai Madurai
Vishwamitri Vadodara
Vrishabhavathi Bangalore
Yamuna
Agra
New Delhi
Mathura
Auraiya
Etawah
33. List of Major Ports in India
Name of the Sea
Ports
Coast State
Kandla Western
Coast
Gujarat
Mumbai Western
Coast
Maharashtra
Jawaharlal Nehru Western
Coast
Maharashtra
Marmugoa Western
Coast
Goa
Mangalore Western
Coast
Karnataka
Cochin Western
Coast
Kerala
Haldia Eastern
Coast
West Bengal
Paradip Eastern
Coast
Odisha
Vishakhapatnam Eastern
Coast
Andhra
Pradesh
Chennai Eastern
Coast
Tamil Nadu
Ennore Eastern
Coast
Tamil Nadu
Tuticorin Eastern Tamil Nadu
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Coast
34. Major Atomic/Thermal/Hydro Power Plants
There are 3 major resources through which
Power Station runs in India.
1. Nuclear Power Plants
2. Thermal Power Plants
3. Hydropower Plants
Nuclear Power Plant in India
Nuclear power stations are the fourth-largest
source of electricity in India after Thermal,
Hydroelectric and Renewable sources of
electricity. As of 2016, India has 21 nuclear
reactors in 7 Nuclear Power plants. Some
Nuclear Power plants are under construction
and some are planned projects which will be
implemented in future.
Atomic Power Station State
Narora Nuclear Power plant Uttar
Pradesh
Rawatbhatta Nuclear Power
plant
Rajasthan
Kakarpar Nuclear Power plant Gujarat
Kaiga Nuclear Power plant Karnataka
Kundankullam Nuclear Power
plant
Tamil Nadu
Kalpakkam Nuclear Power
plant
Tamil Nadu
Tarapur Nuclear Power plant Maharashtra
Rajasthan Atomic Power
Station
Rajasthan
Thermal Power Plant in India
Thermal power is the largest source of
power in India. There are different types of
Thermal power plants based on the fuel
used to generate the steam such as coal,
gas, and Diesel. About 65% of electricity
consumed in India are generated by
thermal power plants.
Thermal Power Station State
Singrauli Thermal Power
Plant
Madhya
Pradesh
Ramagundam Thermal
Power Plant
Andhra
Pradesh
Dadri Thermal Power plant Uttar Pradesh
Talcher Thermal Power
plant
Odisha
Korba Thermal Power plant Chhattisgarh
Vindhyachal Thermal Power
plant
Madhya
Pradesh
Farakka Thermal Power
plant
West Bengal
Mudra Thermal Power plant Gujarat
Sipat Thermal Power plant Chhattisgarh
Rihand Thermal Power plant Uttar Pradesh
Jharsuguda Thermal Power
plant
Odisha
Tiroda Thermal Power plant Maharashtra
Anpara Thermal Power
plant
Uttar Pradesh
Barauni Thermal Power
plant
Bihar
Bellary Thermal Power plant Karnataka
Durgapur Thermal Power
plant
West Bengal
Sikka Thermal Power plant Gujarat
Satpura Thermal Power
plant
Madhya
Pradesh
Wanakbori Thermal Power
plant
Gujarat
Obra Thermal Power plant Uttar Pradesh
Udupi Thermal Power plant Karnataka
Simhadri Thermal Power
plant
Andhra
Pradesh
Hydropower Plant in India
Hydropower is one of the oldest and widely
used renewable sources of energy. India is
the 7th largest producer of hydroelectric
power in the world and ranks 3rd
worldwide by its total number of dams.
Hydropower
Station
City State
Koyna Hydro
Electric Power
plant
Koyna Maharashtr
a
Hirakund Hydro
Electric Power
plant
Mahanadi Odisha
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Idukki Hydro
Electric Power
plant
Periyar Kerala
Nagarjuna
Hydro Electric
Power plant
Krishna Andhra
Pradesh
Tehri Hydro
Electric Power
plant
Bhagirathi Uttarakhan
d
Bhakra Nangal
Hydro Electric
Power plant
Sutlej Himachal
Pradesh
Sardar Sarovar
Hydro Electric
Power plant
Narmada Gujarat
Nathpa Jhakri
Hydro Electric
Power plant
Sutlej Himachal
Pradesh
Srisailam Hydro
Electric Power
plant
Krishna Andhra
Pradesh
Indirasagar
Hydro Electric
Power plant
Narmada Madhya
Pradesh
Sharavathi
Hydro Electric
Power plant
Sharavathi Karnataka
Dehar Hydro
Electric Power
plant
Beas Himachal
Pradesh
Kalinadi Hydro
Electric Power
plant
Kalinadi Karnataka
Teesta Hydro
Electric Power
plant
Teesta Sikkim
Baira-Siul
Hydro Electric
Power plant
Baira Himachal
Pradesh
Salal Hydro
Electric Power
plant
Chenab Jammu and
Kashmir
Machkund
Hydro Electric
Power plant
Machkund Andhra
Pradesh,
Orissa
Balimela Hydro
Electric Power
plant
Sileru Odisha
Subarnarekha
Hydro Electric
Power plant
Subarnarekh
a
Jharkhand
Shivanasamudr
a Hydro
Electric Power
plant
Kaveri Karnataka
Loktak Hydro
Electric Power
plant
Leimtak Manipur
Rihand Hydro
Electric Power
plant
Rihand Madhya
Pradesh,
Uttar
Pradesh
Rangit Hydro
Electric Power
plant
Rangit Sikkim
Bansagar Hydro
Electric Power
plant
Sone Madhya
Pradesh
Uri Hydro
Electric Power
plant
Jhelum Jammu and
Kashmir
35. List of upcoming Sports Venues
Asian Games
Asian Games 2018 is a Pan India Multi
Continental Event will be the 18th Asian
Games which will going to be schedule from
18th August 2nd September 2018. The Game
is also known as Jakarta Palembang 2018.
Sports Venue 2014- Incheon, South Korea
Sports Venue 2018- Jakarta, Palembang,
Indonesia
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Sports Venue 2022- Hangzhou, China
Commonwealth Games
The Commonwealth Games are an
international multi-sport event involving
athletes from the Commonwealth of Nations.
The event was first held in 1930 and has taken
place every four years since then.
Venue of CWG 2014 - Glasgow, Scotland
Venue of CWG 2018 Gold Coast,
Australia
Venue of CWG 2022- Birmingham,
England
Olympics Games
The Winter Olympic Games is a major
international sporting event held once every
four years for sports practised on snow and
ice. The first Winter Olympics, the 1924
Winter Olympics, were held in Chamonix,
France.
Summer Olympic Venue
Venue of Olympics 2016 Rio De Janeiro,
Brazil
Venue of Olympics 2020 Tokyo, Japan
Venue of Olympics 2024 Paris, France
Winter Olympic Venue
Venue of Olympics 2014 Sochi, Russia
Venue of Olympics 2018 PyeongChang,
South Korea
Venue of Olympics 2022 Beijing, China
ICC World Cup
The ICC Cricket World Cup is the
international championship of One Day
International cricket. The event is organised
by the sport's governing body, the
International Cricket Council, every four
years.
Venue of ICC World Cup 2015 - Australia,
New Zealand
Venue of ICC World Cup 2019 - England,
Wales
Venue of ICC World Cup 2013 - India
ICC World Cup T20
World Cup 2014 - Bangladesh
World Cup 2016 - India
World Cup 2020 - Australia
Venue of Women World Cup 2013 - India
Venue of Women World Cup 2017 -
England
Venue of Women World Cup 2021 - New
Zealand
-
Bangladesh
2016 -
India
Australia
Venue of Hockey World Cup 2010 - New
Delhi, India
Venue of Hockey World Cup 2014 - The
Hague, Netherlands
Venue of Hockey World Cup 2018 -
Bhubaneswar, India
Hockey Wom
2010 - Rosario, Argentina
2014 - The Hague, Netherland, London
2018 - London, England
FIFA World Cup
Venue of FIFA World Cup 2014 - Brazil
Venue of FIFA World Cup 2018 - Russia
Venue of FIFA World Cup 2022 - Qatar
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
-
Canada
World Cup 2019 -
France
FIFA U 17 World Cup
Venue of FIFA U17 World Cup 2015 -Chile
Venue of FIFA U17 World Cup 2019 India
36. List of Newly Appointed National Officials
• President of India - Mr. Ram Nath
Kovind
• Vice-President of India - Mr. Venkaiah
Naidu
• Prime Minister of India - Mr. Narendra
Modi
• Chief Justice of India - Mr. Dipak
Misra
• Attorney General of India- Mr. K. K.
Venugopal
• Solicitor General of India -
• Supreme Commander of Armed
Forces- President Ram Nath Kovind
• Chief of the Army Staff- Bipin Rawat
• Chief of the Air Staff - Birender Singh
Dhanoa
• Chief of the Naval Staff - Sunil Lanba
• Chairperson of Rajya Sabha - Vice
President Venkaiah Naidu
• Deputy Chairperson of Rajya Sabha -
Mr. P J Kurien
• Speaker of Lok Sabha - Mrs. Sumitra
Mahajan
• Deputy Speaker of Lok Sabha- Mr. M
Thambidurai
• Chief Election Commissioner - Mr.
Achal Kumar Jyoti
• Comptroller and Auditor General of
India - Mr. Rajiv Mehrishi
• Registrar General of India and
Census Commissioner - Mr. Sailesh
• Central Vigilance Commissioner - Mr.
K V Chowdary
• Chief Information Commissioner - Mr.
R K Mathur
• National Security Advisor Mr. Ajit
Kumar Doval
• Chief Economic Advisor - Mr. Arvind
Subramanian
• Principal Scientific Advisor to
Government - K Vijay Raghavan
• Scientific Advisor to Defence Minister
- G Satheesh Reddy
• Cabinet Secretary - Mr Pradeep
Kumar Sinha
• Foreign Secretary - Mr. Vijay Keshav
Gokhale
• Finance Secretary- Mr. Ashok Lavasa
• Revenue Secretary- Mr. Hasmukh
Adhia
• Director General of Border Security
Force (BSF) - Mr. K K Sharma
• Director General of National Security
Guard (NSG) - Sudeep Lakhtakia
• Director General of National
Investigation Agency (NIA) - Mr. YC
Modi
• Director of Intelligence Bureau (IB) -
Mr. Rajiv Jain
• Director of Central Bureau of
Investigation (CBI) - Mr. Alok Verma
• Director of Research Analysis Wing
(RAW) - Mr. Anil Dhasmana
• Director General of Directorate of
Revenue Intelligence - Mr. Debi
Prasad Dash
• Chairperson of Atomic Energy
Commission - Mr. Sekhar Basu
• Chairperson of 21st Law Commission
- Justice B S Chauhan
• Chairperson of 14th Finance
Commission - Dr. Y V Reddy
• Chairperson of National Commission
for Women - Ms. Lalitha
Kumaramangalam
• Chairperson of National Human
Rights Commission - Justice H L
Dattu
• Chairperson of University Grants
Commission (UGC) - Prof. D P Singh,
• Chairperson of UPSC - Mr. Arvind
Saxena
• Chairperson of Indian Space Research
Organisation (ISRO) - Mr. K. Sivan
• Chairperson of Defence Research and
Development Organisation (DRDO) -
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Sanjay Mitra
• Chairperson of Atomic Energy
Regulatory Board (AERB) - Mr. Shiv
Abhilash Bhardwaj
• Director General of Indian Council of
Agricultural Research (ICAR) - Dr.
Trilochan Mohapatra
• Director General of Council of
Scientific and Industrial Research
(CSIR) - Dr. Girish Sahni
• Governor of Reserve Bank of India
(RBI) - Mr. Urjit Patel
• Chairperson of Central Board of
Direct Taxes (CBDT) - Mr. Sushil
Chandra
• Chairperson of Central Board of
Indirect Tax and Customs (CBIC) -
S.Ramesh
• Chairperson of Securities and
Exchange Board of India (SEBI) - Mr.
Ajay Tyagi
• Chairperson of Insurance Regulatory
and Development Authority (IRDA) -
SC Khuntia
• Chairperson of National Bank for
Agriculture and Rural Development
(NABARD) - Mr. Harsh Kumar
Bhanwala
• Chairperson of Central Pollution
Control Board - Mr. S P Singh Parihar
• Chairperson of Railway Board - Mr.
Ashwani Lohani
• Chairperson of Bank Board Bureau
(BBB) - Bhanu Pratap Sharma
• Chairperson of Central Board of
Secondary Education (CBSE) - Anita
Karwal
• President of Sahitya Akademi - Dr.
Vishwanath Prasad Tiwari
• Chairperson of Lalit Kala Akademi -
Mr. Uttam Pacharne
• Chairperson of NITI Aayog - PM
Narendra Modi
• Vice Chairperson of NITI Aayog -
Mr. Rajiv Kumar
• Chairperson of Telecom Regulatory
Authority of India (TRAI) - Mr. Ram
Sewak Sharma
•
United Nations Mr. Rajiv Kumar
Chander
• Chairperson of National Green
Tribunal (NGT) - Justice Adarsh
Kumar Goel
37. National Parks & Wildlife Sanctuaries
State National Park Wildlife
Sanctuary
Andaman &
Nicobar
Campbell
National Park
Barren Island
Wildlife
Sanctuary
Sir Hugh
Rose Island
Wildlife
Sanctuary
Andhra
Pradesh
Sri Venkates-
wara National
Park
Papikonda
National Park
Krishna
Wildlife
Sanctuary
Kolleru Lake
Arunachal
Pradesh
Namdapha
National Park
Mouling
National Park
Dibang
Wildlife
Sanctuary
Talley Valley
Wildlife
Sanctuary
Assam Dibru
Saikhowa
National Park
Kaziranga
National Park
Manas
National Park
Orang
National Park
Sonai Rupai
Wildlife
Sanctuary
Pabha
Wildlife
Sanctuary
Dipor Bil
Wildlife
Sanctuary
Bihar Valmiki
National Park
Gautam
Buddha
Wildlife
Sanctuary
Rajgir
Wildlife
Sanctuary
Chhattis-
garh
Indravati
National Park
Guru Ghasidas
Bhairam-
garh Wildlife
Sanctuary
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
National Park
Goa Bhagwan
Mahavir
National Park
Bondla
Wildlife
Sanctuary
Salim Ali Bird
Sanctuary
Gujarat Gir forest
national park
Blackbuck
National Park
Marine
National park
Indian Wild
Ass
Sanctuary
Kutch Desert
Wildlife
Sanctuary
Jammu &
Kashmir
Dachigam
National Park
Hemis
National Park
Karakoram
Wildlife
Sanctuary
Hirpora
Wildlife
Sanctuary
Jharkhand Betla National
Park
Palamau
Wildlife
Sanctuary
Dalma
Wildlife
Sanctuary
Karnataka Anshi National
Park
Bandipur
National Park
Bannerghatta
National Park
Ghatapra-
bha Wildlife
Sanctuary
Bhimgad
Wildlife
Sanctuary
Sharavathi
Valley
Wildlife
Sanctuary
Kerala Periyar
National Park
Anamudi
National Park
Parambi-
kulam
Wildlife
Sanctuary
Malabar
Wildlife
Sanctuary
Madhya
Pradesh
Van Vihar
National Park
Bori Wildlife
Sanctuary
Kanha Kisli
National Park
Fossil National
Park
Bandhavgarh
National Park
Ken Gharial
Sanctuary
Gandhi
Sagar
Sanctuary
Maharashtra Chandoli
National Park
Sanjay Gandhi
National Park
Tadoba
National Park
Pench
National Park
Great Indian
Bustard
Wildlife
Sanctuary
Phansad
Wildlife
Sanctuary
Koyna
Wildlife
Sanctuary
Manipur Keibul Lamjao
National Park
Balphakram
National Park
-
Meghalaya Nokrek
National Park
-
Mizoram Phawngpui
Blue Mountain
National Park
Dampa Tiger
Reserve
Nagaland Intanki
National Park
-
Odisha Bhitarkanika
National Park
Simlipal
National Park
Chilika Bird
Sanctuary
Punjab - Abohar
Wildlife
Sanctuary
Harike Lake
Wildlife
Sanctuary
Rajasthan Desert
National Park
Keoladeo
National Park
Rantham-bore
National Park
Mount Abu
Wildlife
Sanctuary
Sariska Tiger
Reserve
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Darrah
National Park
Sikkim Kanchend-
zonga
National Park
Kyongnosla
Alpine
Wildlife
Sanctuary
Tamil Nadu Gulf of
Mannar
National Park
Palani Hills
National Park
Mudumalai
National Park
Point
Calimere
Wildlife
Sanctuary
Telangana Mahavir
Harina
Vanasthali
National Park
Eturnag-
aram
Wildlife
Sanctuary
Pranahita
Wildlife
Sanctuary
Tripura Bison National
Park
-
Clouded
Leopard
National Park
Uttarakhand Valley of
Flowers
National Park
Rajaji National
Park
Nanda Devi
National Park
Jim Corbett
National Park
-
Uttar
Pradesh
Dudhwa
National Park
Kaimur
Sanctuary
Okhla Bird
Sanctuary
West Bengal Neora
National Park
Buxa Tiger
Reserve
Murti
Wildlife
Sanctuary
38. Important Days
MAY
Date Day Theme
1
May
International
Labour Day
Uniting workers
for social and
economic
advancement
2
May World Asthma Day
Never too early,
Never too late
3
May
World Press
Freedom Day
Keeping power
in check, Media,
Justice and the
rule of law
8
May
World Red Cross
Day
Memorable
smiles from
around the
world
11
May
National
Technology Day
Science and
technology for a
sustainable
future
17
May
International
Telecommuni-
cation Day
Enabling the
positive use of
artificial
intelligence (AI)
to accelerate
the
implementations
of the SDG
22
May
International Day
for Biological
Diversity
Celebrating 25
years of action
for biodiversity
JUNE
5
June
World
Environment Day
Beat plastic
pollution
12
June
World Day against
Child Labour
Generation safe
and healthy
14
June
World Blood Donor
Day
Blood connects
us all
21
June
International Yoga
Day Yoga for peace
26
June
International Day
against Drug
Abuse and Illicit
Trafficking
Listen first -
Listening to
your children
and youth is the
first step to help
them grow
healthy and safe
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
JULY
1
July GST day
11
July
World Population
Day
Family planning
and human
heart
12
July
International
Malala Day -
15 World Youth Skills -
July Day
26
July Kargil Vijay Diwas -
28
July
World Hepatitis
day
Eliminate
Hepatitis
29
July World Tiger Day -
39. Joint Military Exercises
Name of
Exercise
Coun-
tries
Place Duratio
n
Coordinat
ed Patrol
(CORPAT
)
India and
Banglade
sh
Chittagon
g,
Banglades
h
Malabar India, US
and
Japan
Guam,
Western
Pacific
Pacific
Ocean.
June 7
to 16
June
Harimau
Shakti
India and
Malaysia
Hulu
Langat
forest,
Malaysia
April
30th to
May
13th
Varuna India and
France
Phase- I:
Mormuga
o Port
Trust
(MPT),Vas
co da
Gama,
Goa
Phase II:
Chennai
coast
Phase-III:
La
Reunion
Island
Surya
Kiran XIII
India and
Nepal
Pithoragar
h, India
Lamitye
VIII
India and
Seychell
es
Mahe,
Seychelle
s
24 Feb -
4 March
Shakti IV India and
France
Mailly le
Camp.
France
31 Jan -
5 Feb
Vajra
Prahar
India and
US
Joint Base
Lewis-
January
McChord,
United
States
Vinbax 1 India and
Vietnam
Jabalpur
in Madhya
Pradesh
30
January
- 3
Februar
y
Hamesha
Vijayee
Southern
Comman
d
Rajasthan 16 - 22
Decemb
er
Ekuverin
VIII
India and
Maldives
Belgaum,
India
14 - 27
Decemb
er
Ajeya
Warrior
India and
UK
Mahajan
Firing
Range,
India
1 - 14
Decemb
er
IMBAX I India and
Myanma
r
Shillong,
India
20 - 25
Novemb
er
Danx 50
Parachut
e Brigade
Andaman
& Nicobar
Islands,
India
20 - 24
Novemb
er
Sampriti
VII
India and
Banglade
sh
Shillong,
India
6 - 11
Novemb
er
PRABAL
DOSTYK
India
And
Kazakhst
an Army
Himachal
Pradesh,
India
2 - 15
Nov
2017
INDRA Indo-
Russia
Armed
Forces
Sea Of
Japan
Near
Vladivosto
k, Russia
19 - 29
Oct
2017
MITRA
SHAKTI
India -
Sri Lanka
Army
Pune,
India
13 - 25
Oct
2017
YUDH United Washingt 14 - 27
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
ABHYAS States
And
Indian
Army
on, US Sep
2017
Maitree Indian
Army
and
Royal
Thailand
Army
Himancha
l Pradesh,
India
3 To 17
July
2017
Thar
Shakti
X Corps Rajasthan,
India
17 April -
17 May
NOMADI
C
India-
Mongolia
Mizoram,
India
5 - 18
April
ELEPHAN
T
n
Military
Exercise
2017
Bold
Kurukshet
ra
India and
Singapor
e
Madhya
Pradesh,
India
4 - 21
March
AL-
NAGAH-II
Oman
And
Indian
Army
Himachal
Pradesh,
India
6 - 19
March
2017
Khanjar IV India and
Kyrgyzst
an
Kok
Jhangak,
Kyrgyzsta
n
20
Februar
y - 5
March
40. Reports & Indices
Report/
Index
Publis-
hed by
HQ Ran
k
Ease of Doing
Business Report
World
Bank
Washin
gton DC
100
International
Intellectual
Property Index
US
chamber
of
Commer
ce Global
innovatio
n Policy
Centre
US 44
Global Gender
Gap Index
World
economi
c forum
Switzerl
and
108
Gender Parity
Index
UNESCO Paris,
France
108
World
Happiness
Report
United
nations
sustainab
le
develop
ment
solution
network
133
World Migration
Report
Internatio
nal
Migratio
n
Organisa
Geneva,
Switzerl
and
1
tion
Global
Competitiveness
Index
World
Economi
c Forum
40
Environmental
Performance
Index
World
Economi
c Forum
Switzerl
and
177
Global Hunger
Index
Internatio
nal Food
Policy
Research
Washin
gton
100
(201
7)
Inclusive
Internet Index
Econo-
mist
Intellig-
ence Unit
- 47
World Press
Freedom Index
Reporter
s without
Border
France 138
Foreign Direct
Investment Conf
idence Index
2018
AT
Kearney
11
World
Competitiveness
Ranking 2018
Internatio
nal
Institute
for
Manage
ment
Develop
ment
Lausann
e,
Switzerl
and
44
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Global Peace
Index 2018
Institute
for
Economi
cs &
Peace
137
Energy World Cologny 78
Transition Index Economi
c Forum
,
Switzerl
and
41. Classical Folk Dances
Classical Dance
Dance State
Bharatanatyam Tamil Nadu
Manipuri Manipur
Odissi Odisha
Kuchipudi Andhra Pradesh
Kathakali Kerala
Kathak Uttar Pradesh
Sattriya Assam
Mohiniyattam Kerala
Folk Dance
Dance State
Rasleela Uttar Pradesh
Bihu Assam
Fugdi Goa
Garba, Dandiya Raas Gujarat
Raut Nacha Chhattisgarh
Maach Madhya Pradesh
Thang Ta Manipur
Dumhal, Rauf Jammu and kashmir
Nati Himachal pradesh
Giddha, Bhangra Punjab
Ghumura Odisha
Lavni Maharashtra
Ghoomar, Kalbelia Rajasthan
Puli Kali Kerala
Chhau West Bengal
42. Stock Exchanges Around the World
Stock Exchange Country
Located
Bombay Stock Exchange India
National Stock Exchange of
India
India
Euronext European
Union
B3 Brazil
Shanghai Stock Exchange China
Hong Kong Stock Exchange Hong Kong
NASDAQ USA
Tokyo Stock Exchange Japan
London Stock Exchange UK
Bombay Stock Exchange has become the
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Designated Offshore Security Market by US
security and exchange Commission.
43. Nick Names of Cities
Nicknames Cities
City of Pearls Hyderabad
Silicon Valley of India Bengaluru
Venice of East Alappuzha
Mini Bombay Indore
Manchester of East Kanpur
Athens of East Madurai
Blue City Jodhpur
Orange city Nagpur
Cotton City Akola
Land of Litchi Muzaffarpur
Queen of Arabian Sea Kochi
City of Black Diamonds Dhanbad
Sandalwood City Mysore
44. Currency Printing & Coin Minting in India
Currency Printing in India
Nashik - The bank note printing in India
started in 1928 with the establishment of India
Security Press at Nashik by Government of
India.
Mysore - The demand for banknotes has been
steadily increasing. To bridge the demand and
supply gap, the Government of India decided
to establish the new bank note printing press
at Mysore (Karnataka).
Dewas (MP) - The second bank note printing
press was established in Dewas (Madhya
Pradesh) in 1975 by Government of India.
Bharatiya Reserve Bank Note Mudran Pvt
Limited - RBI formed a wholly owned
subsidiary Bharatiya Reserve Bank Note
Mudran Private Limited. The BRBNMPL was
incorporated as a Private Limited Company
on 3rd February 1995.
Coin Minting in India
Mumbai - It was established in 1829. Bombay
(Mumbai) Mint has a diamond under the date
of the coin (year of issue).
Alipore (Kolkata) - It was established in 1757.
Kolkata mint has no mark under the date of
the coin (year of issue).
Saifabad (Hyderabad) - It was established in
the 17th century. Hyderabad Mint has a star
under the date of the coin (year of issue). The
other mint marks from Hyderabad include a
split diamond and a dot in the diamond.
Cherlapally (Hyderabad) - It was established
in the 17th century. Hyderabad Mint has a star
under the date of the coin (year of issue). The
other mint marks from Hyderabad include a
split diamond and a dot in the diamond.
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Noida (UP) - It was established in 1988. Noida
mint has a dot under the year of issue (coin
date).
45. Important Terms
Fiscal Responsibility and Budget
Management Act
This act was enacted in 2003 for balancing
budget by reducing the fiscal deficit. Its
objective is to bring fiscal stability by
introducing a transparent fiscal management
system.
MUDRA Scheme
MUDRA is an acronym of Micro Units
Development and Refinance Bank Agency.
The scheme was launched on 8th april 2015.
Under this scheme MUDRA banks are set up
which will provide loans at the low rates to
the small and micro enterprises with less than
10 lakh credit requirement. Commercial
banks, RRBs, cooperative banks, small finance
banks, registered microfinance institutions
and NBFC are authorized to provide loans
under the MUDRA scheme. Loans under this
scheme is categorised in three categories -
1. Shishu - Up to Rs. 50,000
2. Kishore - Up to Rs. 5 lakh
3. Tarun - Up to Rs. 10 lakh
Dividend Distribution Tax
The tax levied on the dividend is to be
paid by domestic companies only.It is
paid on gross amount of dividend. Cess
and surcharge of 3% and 12%
respectively, is also charged on that
dividend. Presently 15% DDT is levied.
DDT is levied on mutual funds too.
Ad Valorem Tax
The tax imposed on goods and services
according to their value. Sales tax, VAT,
Property tax, stamp duty is the type of ad
valorem tax.
Venture Capital Funds
It is an investment fund, which helps in
development of new products/startup.
Venture capital fund manages money of
the investors who provide capital to
startup and small and medium size
enterprises, expecting long term returns.
These funds are regulated by SEBI. These
funds are risky and envisage high returns.
There are three types of VCFs -
1. Early stage financing
2. Expansion financing
3. Acquisition or buyout financing
Security Transaction Tax
The tax paid on the transaction of securities
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
listed in the stock market. It is levied on
shares, debentures, derivatives and equity
mutual funds. This tax was introduced in 2004
to stop the avoidance of capital gain tax. Off
market share transaction are excluded from
Security transaction tax.
Capital Gains Tax
The tax imposed on the profit earned on sale
of capital asset. Capital asset is classified in
two categories - Long term capital asset and
short-term capital asset.
• Long term capital asset - Period
exceeding 36 months before transfer
of securities or shares. Capital gain
tax on this asset on securities
exceeding Rs. 1 lakh is 10%.
• Short term capital asset - Period not
more than 36 months before transfer
of securities or shares. Capital gain
tax on this asset is 15%.
Advance Pricing Agreements
An agreement which is signed between
taxpayer and tax authority in advance on the
transactions over a fixed period. It was
introduced by Finance Act 2012 to bring
certainty in tax laws.
Fiscal Consolidation
The process by which government reduce
their deficits and accumulation of debts.
FRBM is process by which reduction in fiscal
deficit is done to achieve fiscal consolidation.
Fiscal Policy
The policies made by government which deals
with the taxation and spendings of
government. It changes every year and
focuses on growth of economy.
Monetary Policy
It is a tool used by central bank to regulate
money supply in economy. Interest rates and
credit ratios are the policy instruments of
monetary policy. It focuses on economic
stability.
Interest Rate Risk
The bond owner bears the risk arises due to
the fluctuation in interest rates.
Fiscal Deficit
When government spends more than its
income then it is termed as fiscal deficit. The
difference between total expenditure and
revenue receipts and non-debt capital
receipts amounts to fiscal deficit.
Primary Deficit
It is calculated by deducting interest
payments from fiscal deficit.
Revenue Deficit
When there is a difference between
expenditure and revenue it is termed as
revenue deficit.
Monetized Deficit
When government take help from RBI to
reduce expenditure and finance the debt
obligation. It is the sum of RBI contribution to
market borrowings of government and net
increase in holdings of RBI. RBI generally
prints money to finance government deficits.
Revenue Deficit
When there is a difference between revenue
expenditure and revenue receipts, revenue
deficit occur.
Current Account Deficit
When there is difference between the imports
and exports of goods and services between
countries, the situation is called current
higher than earning as compare to the other
countries.
Capital Budget
Capital budget consists of capital receipt and
expenditure. It is also known as capital
account. It shows the how capital is managed
and spent.
Custom Duties
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
The duties or tax imposed on the products
which are exported from and imported in
India. Increase in custom duty will encourage
domestic production.
Bull Market
This is the term related to stock market. A bull
market is a market where prices are rising or
expected to rise. It shows market is strong
and positive.
Bear Market
Bear market is opposite of bull market. It is
when market prices are falling. In the long run
it shows rise in unemployment and recession
in economy.
Inflation Risk
Due to inflation the change in purchasing
power, there is the chance that cash flow
in future.
It is also known as purchasing power risk.
Direct Tax
Direct taxes are paid directly by the person on
whom it is imposed. Examples - Income tax,
Wealth tax, Gift tax, Property tax etc.
Indirect Tax
The tax which is imposed on producers or
traders but ultimately paid by consumers. For
example - sales tax, excise etc.
Vote on Account
When there is requirement to withdraw
money from the consolidated fund of India
there is a need to obtain vote on account by
government from parliament or legislature.
Guillotine
When the period of the discussion on
demands for grants is over, speaker passes
guillotine motion so that all the remaining
demands for the grant are put to vote at once.
Minimum Alternate Tax
It is a kind of direct tax which is imposed on
zero tax companies at 18.5% interest rate.
Public Account of India
It is constituted under article 266(2) of
constitution. Public account contains all the
money other than consolidated fund of India.
There is no need of parliament approval to
withdraw money from fund. Examples: -
Provident Fund and Small Saving Funds.
Contingency Fund of India
It is maintained to meet the emergency
requirements. It is placed at the disposal of
the President to enable him/her to make
advances to meet urgent unforeseen
expenditure, pending authorization by the
Parliament.
46. International Organisations & Headquarters
International
Organizations
HQs
Amnesty international London
APEC (Asia Pacific
Economic Forum)
Singapore
ASEAN (Association of
South East Asian Nations)
Jakarta
Commonwealth of Nations London
EU (European Union) Brussels
FAO (Food and
Agricultural Organization)
Rome
IAEA (International Atomic
Energy Agency)
Vienna
ICAO (International Civil Montreal
Aviation Organization)
ICJ (International Court of
Justice)
The Hague
ILO (International Labor
Organization)
Geneva
IM (International Maritime
Organization)
London
IMF (International
Monetary Fund)
Washington
International Standards
Organizations
Geneva
NAM (Non-Aligned
Movement)
New York/
Istanbul
NATO (North Atlantic
Treaty Organization)
Brussels
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
OECD (Organization for
Economic Cooperation
and Development)
Paris
OPEC (Organization of
Petroleum Exporting
Countries)
Vienna
SAARC (South Asian
Association for Regional
Cooperation)
Kathmandu
Transparency International Berlin
UNAEC (United Nations
Atomic Energy
Commission)
New York
UNAIDS (Joint United
Nations Programme on
HIV/ AIDS)
Geneva
UNCDF (United Nations
Capital Development
Fund)
New York
UNCTAD (United Nations
Conference on Trade and
Development)
Geneva
UNODC (United Nations
Office on Drugs and
Crimes)
Vienna
UNDP (United Nations
Development Programme)
New York
UNEP (United Nations
Environment Programme)
Nairobi
UNESCO (United Nations
Educational scientific and
cultural Organization)
Paris
UNFCCC (United Nations
Frame Convention on
Climate Change)
Germany
UNFPA (United Nations
Population Fund)
New York
UNHCR (United Nations
High Commissioner for
Refugees)
Geneva
UNICEF (United Nations
New York
UNO (United Nations
Organization)
New York
WHO (World Health
Organization)
Geneva
WMO (World Metrological
Organization)
Geneva
World Bank Washington
World Intellectual
Property Org.
Geneva
WTO (World Tourism
Organization)
Madrid
47. Rivers, Dams & States
State Name River Name
Andhra
Pradesh
Somasila Dam Pennar River
Srisailam Dam Krishna River
Gujarat Ukai Dam Tapti River
Dharoi Dam Sabarmati
River
Kadana dam Mahi River
Dantiwada Dam Banas River
Sardar Sarovar
Dam (Narmada
Dam)
Narmada
River
Himach
al
Pradesh
and
Punjab
Border
Bhakra Nangal
Dam
Sutlej River
Himach
al
Pradesh
Pandoh Dam Beas River
Nathpa Jhakri
Dam
Satluj River
Chamera Dam Ravi River
Jammu
and
Kashmir
Baglihar Dam Chenab River
Dumkhar
Hydroelectric
Dam
Indus River
Uri
Hydroelectric
Dam
Jhelum River
Jharkha
nd
Maithon Dam Barakar River
Chandil Dam Swarnarekha
River
Panchet Dam Damodar
River
Karnata
ka
Tunga Bhadra
Dam
Tungabhadra
River
Linganamakki
dam
Sharavathi
River
Kadra Dam Kalinadi
River
Alamatti Dam Krishna River
Supa Dam Kalinadi or
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Kali river
Krishna Raja
Sagara Dam
Kaveri River
Harangi Dam Harangi
River
Narayanpur
Dam
Krishna River
Kodasalli Dam Kali River
Kerala
Malampuzha
Dam
Malampuzha
River
Peechi Dam Manali River
Idukki Dam Periyar River
Kundala Dam Kundala
Lake
Parambikulam
Dam
Parambikula
m River
Walayar Dam Walayar
River
Mullaperiyar
Dam
Periyar River
Neyyar Dam Neyyar River
Madhya
Pradesh
Barna Dam Barna River
Bargi Dam Narmada
River
Bansagar Dam Sone River
Gandhi Sagar
Dam
Chambal
River
Mahara
shtra
Yeldari Dam Purna river
Ujani Dam Bhima River
Pawna Dam Maval River
Mulshi Dam Mula River
Koyna Dam Koyna River
Jayakwadi Dam Godavari
River
Bhatsa Dam Bhatsa river
Wilson Dam Pravara River
Tansa Dam Tansa river
Panshet Dam Ambi River
Mula Dam Mula river
Kolkewadi Dam Vashishti
River
Girna Dam Girana river
Vaitarna Dam Vaitarna river
Khadakwasla
Dam
Mutha River
Gangapur Dam Godavari
river
Telanga
na
Radhanagari
Dam
Bhogawati
River
Lower Manair
Dam
Manair River
Mid Manair Dam Manair River
and SRSP
Flood Flow
Canal
Upper Manair
Dam
Manair River
and Kudlair
River
Singur dam Manjira River
Nizam Sagar
Dam
Manjira River
Odisha Indravati Dam Indravati
River
Hirakud Dam Mahanadi
River
Tamil
Nadu
Vaigai Dam Vaigai River
Perunchani Dam Paralayar
River
Mettur Dam Kaveri River
Uttarak
hand
Tehri Dam Bhagirathi
River
Dhauli Ganga
Dam
48. Famous Temples
Temple Year Place Built By
Virupaksha
Temple
7th
centu
ry
Hampi,
Karnataka
Queen
Lokhama-
hadevi
Meenakshi
Temple
1623-
1655
CE
Madurai
Tamil
Nadu
Vishwana
ntha
Nayakar
Ramanatha
swamy
Temple
7th
8th
centu
ry
Rameshwa
ram
Island,
Tamil
Pandya &
Jaffna
Kings
Nadu
Suchindra
m
Temple
17th
centu
ry
Kanyakum
ari,
Tamil
Nadu
Nambudiri
Brahmins
Vitthala
Temple
15th
centu
ry
Hampi,
Karnataka
King
Devaraya
II
Brihadesh
wara
Temple
11th
centu
ry
Thanjavur,
Tamilnand
u
Raja Raja
Chola
I
Airavatesw 12th Darasuram Rajaraja
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
ara
Temple
centu
ry
Chola
II
Venkatesw
ara
Temple
300
AD
Tirumala,
Andhra
Pradesh
King
Thondaim
an
Kashi
Vishwanat
h
1780 Varanasi,
Uttar
Pradesh
Ahilya Bai
Lord
Jagannath
Temple
1611 Puri,
Odisha
Indrady-
umna
Vaishno
Devi
Temple
Jammu
Somnath Gujarat Moon
God
Shirdi Sai
Baba
Temple
1922 Shirdi,
Maharasht
ra
Badrinath 9th
centu
ry
C.E
Uttarakhan
d
Adi
Shankara
Kedarnath 8th
centu
ry
Garhwal
area
Uttarakhan
d
Pandavas
Konark
Sun
Temple
13th
centu
ry
Odisha Narasimh
a
deva
Sanchi 3rd Raisen, Asoka
Stupa centu
ry
BC
Madhya
Pradesh
Siddhivina
yak
Temple
18th
centu
ry
Prabha
Devi,
Mumbai
The
Golden
Temple
1577 Amritsar,
Punjab
Guru
Ram Das
Mahabodh
i
Temple
3rd
centu
ry
B.C
Bihar Ashoka
Kamakhya
Temple
8th-
17th
centu
ry
Nilachal
Hill,
Guwahati
Amarnath
Cave
Temple
Jammu
and
Kashmir
Natural
formation
Yamunotri
Temple
19th
centu
ry
Uttarkashi,
Uttarakhan
d
Maharani
Gularia
Gangotri
Temple
18th
centu
ry
Uttarkashi,
Uttarakhan
d
Amar
Singh
Thapa
49. Stadiums in India
Name City/Location
Aishbagh Stadium Bhopal
Baichung Stadium Namchi
Bakshi Stadium Srinagar
Barabati Cuttack
Barkatullah Khan Jodhpur
Barkatullah University
Stadium
Bhopal
Biju Patnaik Hockey
Stadium
Rourkela
Birsa Munda Athletics Ranchi
Brabourne Mumbai
Buddh International Circuit Greater Noida
Captain Roop Singh
Stadium
Gwalior
CB Patel International
Cricket Stadium
Surat
Chennai Jawaharlal Nehru Chennai
Cooperage Football
Stadium
Mumbai
Dadaji Kondadev Stadium Thane
Dhyan Chand National Delhi
Dr. Bhupen Hazarika Guwahati
Dr. Y.S. Rajasekhara Reddy
Aca-vdca Cricket Stadium
Visakhapatnam
Dy Patil Navi Mumbai
Eden Gardens Kolkata
Ems Stadium Kozhikode
East Bengal Ground Kolkata
East Coast Railway Stadium Bhubaneswar
Fatorda Stadium Margao
Feroz Shah Kotla Delhi
Gandhi Stadium Jalandhar
Gangotri Glades Cricket
Ground
Mysore
Gmc Balayogi Athletic
Stadium
Hyderabad
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
Greater Noida Cricket
Stadium
Greater Noida
Green Park Stadium Kanpur
Guru Gobind Singh Stadium Nanded
Guru Nanak Stadium Ludhiana
Holkar Cricket
Stadium
Indore
IPCL Sports Complex
Ground
Baroda
Indira Gandhi Solapur
International Hockey
Stadium
Rajnandgaon
JSCA International Cricket
Stadium
Ranchi
Kanchenjunga Stadium Siliguri
KD Singh Babu Stadium Lucknow
Keenan Stadium Jamshedpur
Khuman Lampak Main
Stadium
Imphal
KIIT Stadium Bhubaneswar
Lal Bahadur Shastri Hyderabad
Lucknow International
Stadium
Lucknow
Jawaharlal Nehru Kochi
Jawaharlal Nehru New Delhi
Lal Bahadur Shastri Hyderabad
Lucknow International
Cricket Stadium
Lucknow
M. Chinnaswamy Bangaluru
Ma Chidambaram Chennai
Madhavrao Scindia Rajkot
Maharashtra Cricket
Association
Gahunje (Pune)
Mangalagiri International Mangalagiri
Cricket Stadium
Mohammedan Sporting
Ground
Kolkata
Moti Bagh Stadium Baroda
Moin-ul-haq Patna
Nehru Stadium Indore
New Bangalore Football
Stadium
Bangalore
Paljor Stadium Gangtok
Punjab Cricket Association
IS Bindra Stadium
Mohali
Rabindra Sarobar Stadium Kolkata
Rajiv Gandhi International
Stadium
Dehradun
Rajiv Gandhi Port Silver
Jubilee
Visakhapatnam
Salt Lake Stadium Kolkata
Sardar Vallabhbhai Patel
Stadium
Ahmedabad
Satindra Mohan Dev
Stadium
Silchar
Sawai Mansingh Jaipur
Sector 42 Stadium Chandigarh
Sher-i-Kashmir Stadium Srinagar
Shaheed Veer Narayan
Singh International
Raipur
Trivandrum International
Stadium
Trivandrum
Tau Devi Lal Stadium Gurgaon
YS Raja Reddy Stadium Kadapa
Vidarbha Cricket
Association Stadium
Nagpur
Wankhede Mumbai
50. Boundary Lines
• Radcliffe Line - This is the boundary
line between India and Pakistan. It
was drawn by Sir Cyril Radcliffe on
17th August 1947 because of the
separation between the two
countries.
• Durand Line - This demarcates the
boundary of Pakistan and
Afghanistan.
• Hindenburg Line - This is the
boundary dividing Poland and
Germany.
• McMahon Line - It is the boundary
line between India and China and it
was drawn by Sir Henry McMahon.
• Marginal Line - This line was drawn
up by General Mannerheim between
Russia-Finland border. It is a 320-km
line of fortification.
• Maginot Boundary Line - This
boundary line demarcates France and
Germany
• Oder-Neisse Line - This line was
drawn between Poland and Germany
after the second World War.
• 8th Parallel - It is the boundary
ULTIMATE BANKING AWARENESS BOOSTER CAPSULE JUNE 2018
between North and South Korea.
• 49th Parallel - This represents the
boundary between Canada and USA.
• Mannerheim Line - This line
demarcates Russia and Finland.
• Mason-Dixon Line - It is a line of
demarcation between four states in
the United State.
• Siegfried Line - It is the boundary
between Germany and France.
• 24th Parallel - Pakistan feels that this
should be the actual line between
India and Pakistan. However, India
does not approve of this.
• 17th Parallel - It defined the
boundaries between North and South
Vietnam before they unit