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The correct answer is E. The correct answer is A. Shifting In these type of questions, the words of the given input are shifted or interchanged as per a fixed pattern. The candidates are not required to identify the alphabetical order of words or ascending-descending order of numbers, but must follow the set pattern. The first batch begins work at am. Each batch works for one hour. However she was compelled to work in the batch at pm on that day.
In case of Joint accounts, the first name in the deposit should be the staff or ex-staff or spouse of the staff. Second, for savings bank deposits over 1 lakh, a bank may provide differential rates of interest, if it so chooses.
However, there should not be any discrimination from customer to customer on interest rates for similar amount of deposit.
However, interest rates offered by banks on the said deposits should not be higher than those offered by them on comparable domestic rupee deposits.
Banks are paying interest on SB accounts on Daily Products on half-yearly basis viz. The interest calculated will be credited to the respective accounts by 5th of succeeding month i. Interest on Term Deposits - The interest shall be calculated at quarterly rests on term deposits.
In case the term deposits are of monthly interest payment nature, the interest shall be calculated for the quarter and paid monthly at discounted value. For the purpose of calculation of interest on domestic term deposits repayable in less than three months or where the terminal quarter is incomplete, interest should be paid proportionately for the actual number of days reckoning at days in a leap year and days in other years.
Whenever interest rates are revised, the revised rates are applicable to fresh deposits as well as renewed deposits only. The interest rates offered are non-discretionary and non-discriminatory and are applicable uniformly to all depositors at all branches of the Bank. The rate of interest on deposits should be prominently displayed in the branch premises and Bank's website. Changes, if any, with regard to the deposit schemes and other related services shall also be communicated upfront and shall be prominently displayed in Bank's website.
Premature Renewal of Term Deposit - In case the depositor desires to renew the deposit by seeking premature closure of an existing term deposit account, the bank will permit the renewal at the applicable rate on the date of renewal, provided the deposit is renewed for a period longer than the balance period of the original deposit.
While prematurely closing a deposit for the purpose of renewal, interest on the deposit for the period it has remained with the bank will be paid at the rate applicable to the period for which the deposit remained with the bank reckoning from the date of deposit and not at the contracted rate. Bankers Digest Premature withdrawal of Term Deposit - The Bank on request from the depositor, at its discretion may allow withdrawal of term deposit before completion of the period of the deposit agreed upon at the time of placing the deposit.
The Bank shall declare its policy on penalty which will be levied by way of interest reduction for premature withdrawal of term deposit.
The Bank shall make depositors aware of the applicable rate along with the deposit rate. If request for renewal is received after the date of maturity, such overdue deposits will be renewed with effect from the date of maturity at interest rate applicable as on the due date, provided such request is received within 14 days from the date of maturity.
In respect of overdue deposits renewed after 14 days from the date of maturity, interest for the overdue period will be paid at the rates decided by the Bank from time to time. However, TDS is exempted to the individual depositors who submits 15G whose age is below 65 years and 15H whose age is above 65 years stating that their total income from all sources including the interest on bank deposits is well within the taxable income limit.
It is the responsibility of the branches to download Form 16A from TIN website and also generate single interest certificate for a customer. Branches should ensure that TDS certificate Form 16A as well as Interest certificate should be sent to the depositor without waiting for or seeking any written request from the depositor. The Bank will issue a tax deduction certificate for the amount of tax deducted.
Further, if any depositor requests for TDS certificate, the same should be issued again even though the TDS certificate was already issued. However, charges levied or interest credited should not be treated as transaction for the said purpose. Operations in such accounts may be allowed after due diligence i. Before converting the account in to Inoperative, notice is to be issued to the depositor.
The conversion may be postponed to another one year, in case depositor requests in writing that he undertakes to route the transactions in to the account. With regard to term deposits, which remained unpaid even after 10 years of maturity are treated as unclaimed deposits. In case of deceased accounts, the claim shall be settled in favour of the nominee where the nomination is available and where there is no nomination, claim settlement shall be as per applicable norms.
Banks are required to disclose the list of unclaimed and inoperative deposit account holders, in a bid to help the claimants trace their deposits and the names of the depositors shall be displayed on the Website. The list of unclaimed deposits shall be updated on a monthly basis. Frozen Accounts With regard to the savings bank accounts frozen by the enforcement authorities, Bank will continue to credit the interest to the account on a regular basis.
In the case of Term Deposit Accounts of Customers frozen by the orders of the enforcement authorities, Banks are required to obtain a request letter from the customer for renewal for a term equal to the original term, on maturity. No new receipt will be issued. However, suitable note will be made regarding renewal in the deposit ledger. In the advice to the depositor, the rate of interest at which the deposit is renewed will also be mentioned.
If overdue period does not exceed 14 days on the date of receipt of the request letter, renewal shall be done from the date of maturity. If it exceeds 14 days, interest for the overdue period shall be paid as per Banks extant guidelines that are referred in this policy. Nomination facility: As per section 45 ZA to 45 ZF of the Banking Regulation Act, , account holder can nominate any individual of his choice as nominee to receive money from the bank in case of death of the depositor.
Nomination facility is available to all types of deposit accounts including joint accounts E or S , safe deposit lockers and safe custody articles, which are in the name of individuals. The nominee can be any individual including illiterates, minors.
The only exception is safe deposit lockers hired jointly; there can be more than one person as nominee.
In case of illiterate account holders, branch to obtain two witnesses while accepting nomination. Consent of nominee is not mandatory. Nomination made in respect of a term deposit will continue to be in force even on renewal of such deposit unless the nomination is specifically cancelled or changed.
The customer has option to change nomination any number of times during the currency of the deposit. The rights of nominee arise only after the death of the depositor. However, in case a customer holds a pass book and still requests for a statement of account and vice versa, the same will not be denied and will be provided on payment of charges as specified by the Bank from time to time.
Transfer of Accounts - The deposit accounts may be transferred to any other branch of the Bank at the request of the depositor subject to fulfillment of KYC norms at transferee branch. Applicable charges will be levied by the bank for rendering the said services.
Revision in service charges, if any, will be communicated one month in advance to the customers before effecting the revision, through Bank's website. Whenever loan is granted, a lien on the deposit is marked and bank shall have the right to appropriate the deposit proceeds to the loan account on the date of maturity, in case the loan remains unpaid.
The interest rates applicable, margins to be maintained etc. The insurance premium is being paid by the Bank at present. The details of the insurance cover in force will be made available to the depositor. What could help to get proper details about the examination? The candidate must go through the pattern to prepare well.
Dedication and enthusiasm along with proper preparation and planning can be the icing on the cake. These both stages would have a lot of differences such as having a different number of questions in each phase, different subjects and different duration for the completion of the exam.
The exam syllabus would help out the candidates to prepare for the exam with the necessary practice. Highlights for the exam The candidate would be able to prepare well and make planning for study once the date for the exam is revealed to them. SBI Clerk Exam Dates The time durations for preliminary would be of 1 hour and for the mains, the time duration extends to 2 hours 40 minutes.
The preliminary exam consists of objective questions which carry total marks and mains exam consists of objective type questions of marks.
Latest SBI Clerk Salary and Allowances Exam mode is the online mode that is computer-based test and candidate is not required to write anything on any paper and no submission of papers. It is a just online test where after completion; the candidate just needs to submit the test.
Now focus on SBI associate bank clerk recruitment syllabus.