Rercent Programme - DigiLocker Launched By Government Of India

What is DigiLocker?

Digital Locker is one of the key initiatives under the Digital India Programme - External website that opens in a new window. A beta version of the same has been already released by the Department of Electronics and Information Technology (DeitY), Govt. of India. Digital Locker is aimed at minimizing the usage of physical documents and enable sharing of e-documents across agencies.

With the help of this Portal, the sharing of the e-documents will be done through registered repositories thereby ensuring the authenticity of the documents online. Residents can also upload their own electronic documents and digitally sign them using the e-sign facility. These digitally signed documents can be shared with Government organizations or other entities.

The storage space (maximum 1GB) is linked to the Aadhaar number of the user. The space can be utilized for storing personal documents like University certificates, PAN cards, voter id cards, etc., and the URI's of the e-documents issued by various issuer departments. There is also an associated facility for e-signing documents. The service is intended to minimize the use of physical documents and to provide authenticity of the e-documents. It will also provide secure access to Govt. issued documents. It is also intended to reduce administrative expenses of Govt. departments and agencies and to make it easy for the residents to receive services.

Digital Locker is aimed at minimizing the usage of physical documents and enable sharing of e-documents across agencies. The sharing of the e-documents will be done through registered repositories thereby ensuring the authenticity of the documents online. Residents can also upload their own electronic documents and digitally sign them using the e-sign facility. These digitally signed documents can be shared with Government organizations or other entities. Examples of such documents are Income Tax Returns, University Degrees etc.

Digital Locker system has the following objectives

•     Enable digital empowerment of residents by providing them with Digital Locker on the cloud

•     Enable e-Signing of documents and make them available electronically and online Minimize the use of physical documents

•     Ensure authenticity of the e-documents and thereby eliminate usage of fake documents

•     Secure access to Govt. issued documents through a web portal and mobile application for residents

•     Reduce administrative overhead of Govt. departments and agencies and make it easy for the residents to receive services

•     Anytime, anywhere access to the documents by the resident

•     Open and interoperable standards based architecture to support a well-structured standard document format to support easy sharing of documents across departments and agencies

•     Ensure privacy and authorized access to residents' data.

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General Awareness Related To Important Days

1.Which day is celebrated as National Legal Services Day (NLSD) in India?
 [A]5 November
 [B]7 November
 [C]9 November
 [D]11 November

2.:Which day is celebrated as World Disabled Day.?
[A]March 15
[B]March 5
[C]March 20
[D]March 22

3.India celebrates the National Education Day on 11th November every year, which is also the birthday of ---------------
[A]Rajagopalachari
[B]Rajendra Prasad,
[C] Acharya Kripalani
[D]Maulana Abul Kalam Azad

4.Which day is celebrated as International Day of Yoga?
[A]June 20
[B]June 21
[C]June 22
[D]June 23

5.Which day is celebrated as International Day against Nuclear Tests ?
[A]August 22
[B]August 25
[C]August 27
[D]August 29

6.Which day is celebrated as International Day of Democracy?
[A] September 10
[B]September 15
[C]September 20
[D]September 25

7.Which day is celebrated as Kargil Victory Day ?
[A]June 22
[B]June 24
[C]June 26
[D]June 28

8.Which day is celebrated as Armed Forces Flag  Day ?
[A]December 1
[B]December 5
[C]December 7
[D]December 10

9.Which day is celebrated as Anti-Child Labour Day ?
[A]April 18
[B]April 23
[C]April 26
[D]April 30

10.On which date the World Polio Day has been observed?
 [A]October 24
 [B]October 26
 [C]October 21
 [D]October 29
Answer
1. [c] 2.[a] 3.[d]   4.[b] 5.[d]      6.[b]    7.[c]     8.[c]  9.[d]  10.[a]

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General Awareness Related To Countries in NEWS

1.Recently, Tropical Storm Etau caused extensive and destructive floods in which of the following countries?[A]Australia

[B]Japan

[C]China

[D]Sri Lanka

2.Which of the following countries has most recently signed an MoU with India for co-operation in the field of election management and administration?

[A]Tajikistan.

[B]Japan.

[C]Canada.

[D]Georgia


3.Which of the following countries has entered into an agreement with India to setup a Rs.50 crore fund to support clean energy?

[A] Russia.

[B]Japan.

[C]US

[D]Canada


4.The  NATO and the United States officially ended their 13 years combat mission in which Asian country?

[A]Iraq.

[B]Afghanistan.

[C]Vietnam.

[D]Syria.


5.Which among the following countries decided to restore their diplomatic relations after more than 50 years of hostility?

[A]USA and Cuba.

[B]USA and Venezuela.

[C]Russia an USA.

[D]USA and Iran


6..With which country India has created a “joint challenge coin” to symbolise their unique partnership in creating a next-generation aircraft carrier for the Indian Navy?

[A]Israel

[B]USA

[C]Japan

[D]Russia

7.India has signed an MoU with which country for the development of Measles- Rubella Vaccines?

[A]Denmark

[B]Italy

[C] Netherlands

[D] Germany


8. India has signed a Joint Economic and Trade Committee with

[A] USA

[B]Seychelles

[C] Israel

[D]Ecuador



9.The Parchin military site, which was recently making news is in which country?

[A]Iran

[B]Iraq

[C]Syria

[D]Libya

10.Which of the following countries has world’s highest household broadband penetration in 2015?

[A]Qatar

[B]United States

[C]South Korea

[D]Japan

Answer

1.[B]  2.[D]   3.[C]  4.[B]  5.[A]  6.[B]  7.[C]  8.[D]  9.[A]   10.[C]

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Important Interview Question And Answer For Bank Exam

1.What are treasury bills?

Treasury Bills are the instruments of short term borrowing by the Central/State govt. They are promissory notes issued at discount and for a fixed period. These were first issued in India in 1917 Treasury bills (T-bills) offer short-term investment opportunities, generally up to one year. They are thus useful in managing short-term liquidity. At present, the Government of India issues three types of treasury bills through auctions, namely, 91-day, 182-day and 364-day. There are no treasury bills issued by State Governments.

2.What is Bad debt?
   The term bad debts usually refers to accounts receivable (or trade accounts receivable) that will not be collected.  However, bad debts can also refer to notes receivable that will not be collected.
The bad debts associated with accounts receivable is reported on the income statement as Bad Debts Expense or Uncollected Accounts Expense.


3.Difference between Fiscal and Monetary Policy ?
Monetary policy involves changing the interest rate and influencing the money supply.
Fiscal policy involves the government changing tax rates and levels of government spending to influence aggregate demand in the economy. They are both used to pursue policies of higher economic growth or controlling inflation.

4.Who are the Bharat Ratna awardees 2015?

Bharat Ratna is the highest civilian award of the Republic of India. Instituted on 2 January 1954, the award is conferred "in recognition of exceptional service/performance of the highest order", without distinction of race, occupation, position, or sex.

Atal Bihari Vajpayee and Madan Mohan Malviya are the two recent awardees of Bharat Ratna award.

Atal Bihari Vajpayee is an Indian statesman who was the Eleventh Prime Minister of India from BJP

Madan Mohan Malviya The freedom icon and Educationist popularly known as ‘Mahamana”

 5.What are the parts of banks’ capital?

Bank has following parts of capital:-

• Tier 1 capital:- Paid up capital (core capital) + Reserves (owners or promoters’ fund)
• Tier 2 capital:- Secondary Capital (borrowed funds) + general loss reserves + subordinated term debts + undisclosed reserves (can’t be maintained in India)
• Tier 3 capital: - same as tier 2 capital but with a higher amount in order to face the market risks of the bank.

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General Awareness With Related to Awards For Bank Exam 2015

1.Who among the following won the Tenzing Norgay National Adventure Award 2014-15?
[A]Arunima Sinha
[B]Satyendra Verma
[C]Satish Chander Sharma
[D]All of the above

2.Recently, who has been chosen for the first Sunhak Peace Prize 2015?
[A]Narendra Modi
[B]Abdul Kalam Azad
[C]Pranab Mukherjee

[D]Modadugu Vijay Gupta

3.---------Conferred With Colombia’s Highest Civilian Award

[A]Mata Amritanandamayi
[B] Sri Sri Ravi Shankar
 [C]Dalai Lama.
[D]None of these 

4..Who has been selected for Japan’s prestigious Fukuoka Prize 2015 in the Academic category.?
[1]Arundhati Roy.
[B]Suketu Mehta.
[C]Gopi Chand Narang

[D] Ramachandra Guha

5..Who among the following has been chosen for Fukuoka Asian Culture Prize 2015 in the academic category?
[A]Thant Myint-U
[B]Vandana Shiva
[C]Ramachandra Guha
[D]Nalini Malani

6.The 2015 James Tait Black Award has been won by Zia Haider Rahman, recently. He belongs to which country?
[A]Bangladesh
[B]Sri Lanka
[C]Iran
[D]Pakistan

7.Who among the following personalities bestowed with the 2015 Gujar Mal Modi Award recently?
[A]Prof. Mustansir Barma
[B]N. Valarmathi
[C]Jothimani Gowthaman
[D]T K Anuradha

8.The Prem Bhatia Memorial Award for the Best Political Reporting-2015 has been won by which Indian Journalist recently?
[A]Suhasini Haidar
[B]Priyanka Kakodkar
[C]Mukul Chaudhuri
[D]E.M. Manoj

9.Recently, which Indian socio-biologist awarded the Germany’s highest civilian honour “Cross of Order of the Merit”?
[A]Bhalchandra Pendharkar
[B]Madhav Gadgil
[C]Raghavendra Gadagkar
[D]Rakesh Sharma
10.Who has been chosen for the Bharat Bharti literacy award 2014?
[A]Govind Mishra
[B]Kailesh Bajpai
[C]Kashinath Singh
[D]Doodnath Singh

1.[d]    2.[d]  3.[b]  4.[d]  5.[c]  6.[a] 7.[a] 8.[a]  9.[c]  10.[c]

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Banking Awareness Question And Answer For Bank Main Exam

1.The credit policy of a bank doed not deal with?
[1]Credit risk management.
[2]Documentation standrds.
[3]Review and renewal of advances.
[4]Outstanding balaces in deposit accounts.
[5]None of these.

2.Issuing credits cards is a components of?
[1]Corporate banking.
[2]Rural banking
[3]Retail banking
[4]Micro finance
[5]None of these.
.
3.The base rate is set by?
[1]Individual banks.
[2]RBI.
[3]Government of india.
[4]RBI in consulation with Government.
5]None of these.

4.State Bank of India's new floating rate of deposit is directly linked to?
[1]Inflation Rate.
[2]BPLR.
[3]Base rate
[4]Bank rate.
[5]None of these.

5.Which of the following businesses is prohibited as per Sec 8 of B.R Act 1949?
[1]Executing the trusts.
[2]Leasing.
[3]Retail trading.
[4]Underwriting.
[5]None of these.


6.Who is the chairman of the committee constituted by RBI on financial inclusion?
[1]Deepak Mohanty
[2]Aravind Mishra
[3]H R Khan
 [4]M Ghandihttp
[5]None of these.


7.In which year Mutual fund industry began in India?
[1]1957
[2]1963
[3]1975
 [4]1980
[5] 1970

n which year Mutual fund industry began in India? [A]1957 [B]1963 [C]1975 [D]1980
http://www.gktoday.in/gk-current-affairs-july-12-13-2015/

8.Currency that a govt has declared to be legal tender,but is not backed by a physical commodity, is called  
[1]  dear money
[2] cheap money
[3]  fiat money
[4]  hot money
[5]  None

9.Which of the following is the fall in the prices but without causing unemployment? While fighting inflation, the RBI wants it.  
[1]  Deflation
[2]  Stagflation
[3]  Reflation
[4]  Disinflation
[5] None


10.Which of the following terms is NOT associated with banking/finance?    
[1]  Foreclosure
[2]  Syndication
[3] Quarantine
[4] Nomination
[5]   Annuity


Answer
1.[4]   2.[3]   3.[1]  4.[3]  5.[3]  6.[2]  7.[3]  8.[4] 9.[4]  10.[3]
                                                                                                                                         

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Banking Current Affairs Questions and Answers For Bank Exam

1.Which of the following is the disadvantage  of going for public issue?
[1]Liquidity to existing shares.
[2]Increase in viability and reputation to the company.
[3]Better pricing and placement with new investors.
[4]Need to make continuous discloures.
[5]None of these.

2..Which of the following is not a criterion to select the Investment Bankers?
[1]No professional memberships or incorporations are required.
[2]General reputation in market.
[3]Good rapport  with market intermediaries.
[4]Distribution net work of the organisation
[5]None of these

3.Which of the following is not an asset of a bank?
[1]Notes and small coins.
[2]Overdue recurring deposits.
[3]Short term loans.
[4]Staff advances.
[5]None of these.

4.The banking company has restriction to sanction loans to ?
[1]Director of the bank.
[2]Staff working in the bank.
[3]Student going abroad.
[4]Professionals.
[5]None of these.

5.Which of the following is a non-depository institution?
[1]credit union.
[2]commercial banks.
[3]Mutual funds.
[4]Regional rural banks.
[5]None of these.

6.Which Indian bank has opened its first branch in China in May, 2015?
 [1]Axis Bank
 [2]HDFC Bank
 [3]ICICI Bank
 [4]Corporation Bank
[5]SBI

7.In India service tax is payable only when the value of service provided in a financial year is more than Rs ___?
 [1]5 lakh
[2]10 lakh
 [3]15 lakh
 [4]20 lakh
[5]25 lakh

8.Reliance Capital Asset Management Company (RCAM) and ICICI Securities Primary Dealership have been selected to manage _________________ provident fund corpus of coal industry workers. 
 [1]Rs 20,000 crore
 [2].Rs 30,000 crore
[3].Rs 50,000 crore
[4]. Rs 60,000 crore
[5]Rs 65,000 crore

9.India has emerged as the ________________ source of Foreign Direct Investment (FDI) for United Kingdom (UK). It is according to the Inward Investment Report 2014-15 of UK Trade and Industry (UKTI).
[1].3rd largest
[2].4th largest
 [3].5th largest
 [4].6th largest
[5].7th largest

10.Upto what percent the Foreign Institutional Investors (FIIS) and Foreign Portfolio Investors (FPIs) can now invest in Gammon Infrastructure Projects Ltd?
[1]. 49%
[2]. 51%
[3] 55%
[4] 75%
[5]  60%


Answer
1.[4]   2.[1]  3.[2]  4.[1]   5.[3]     6.[3]   7.[2]  8.[4]  9.[1]  10.[1]

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Interview Question and Answer SBI Associate Bank clerk 2015

interview question and answer :.

1.who is the first Indian-American woman judge of New York?

Ms. Raja Rajeswari became the first Indian-born woman to be appointed a judge in New York City. She was sworn-in as a criminal court judge in New York by Mayor Bill de Blasio along with 27 other judges.

2 .which Bank  ties up with UAE Exchange for instant money transfer
     Bank of Baroda (BoB)
3.About  UAE Exchange 
   UAE Exchange is a global remittance and foreign exchange (FOREX) company. It serves over 7.9 million customers worldwide and currently has presence in 32 countries with over 750 branches across 32 countries.
4. which private sector bank which has launched ‘Tap-n-Pay’ payment service
    ICICI Bank
5. Which is the Best Trade Finance Bank in India
   Yes Bank

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