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COMMERCE PAGE 10

Commerce Page 10- MCQs

1:-Which Committee is known as "Committee on Banking Sector Reforms"?
A:-Narashimham Committee II B:-Malhothra Committee C:-Gadgil Committee D:-Rangarajan Committee
Ans: A

2:-The provision requirement for Non performing Assets that are classified as Loss Assets is
A:-0.25% B:-40% C:-15% D:-100%
Ans: D

3:-Parallel Loan is a technique used for hedging
A:-Economic Exposure B:-Translation Exposure C:-Transaction Exposure D:-None of these
Ans: C

4:-A distribution having a relatively high peak is called A:-Leptokurtic B:-Platykurtic C:-Mesokurtic D:-None of these
Ans: A

5:-In India, the National Income estimation is the responsibility of
​A:-NITI Ayog B:-Central Statistical Organisation C:-National Sample Survey Organisation D:-Ministry of Commerce and Industry
Ans: B

6:-Power of a hypothesis test is the probability of
A:-Committing a type I error B:-Committing a type II error C:-Not committing a type I error D:-Not committing a type II error
Ans: D

7:-The N.K. Singh Committee (FRBM Review Committee) on fiscal discipline recommended the central government to reduce its fiscal deficit to by 2023. A:-3.0% B:-2.8% C:-2.5% D:-2.2%
Ans: C

8:-Which among the following is NOT a correct interpretation of the p-value?
A:-The p-value is a number between 0 and 1
B:-A small p-value indicates strong evidence against the null hypothesis
C:-A large p-value indicates strong evidence against the null hypothesis
D:-p-values very close to the cutoff are considered to be marginal and could go either way
Ans: C

9:-Personal income includes
A:-Social security contributions B:-Undistributed corporate profits C:-Corporate taxes D:-Transfer payments
Ans: D

10:-In a moderately symmetrical distribution, quartile deviation equals
A:-0.6745 standard deviation B:-0.6745 mean deviation
C:-0.7979 standard deviation D:-0.7979 mean deviation
Ans: A

11:-‘"NNP_{FC}"‘ equals
A:-"'GDP_{MP}"‘ - Consumption of fixed capital - net indirect taxes
B:-"'GDP_{MP}"‘ - Consumption of fixed capital - net indirect taxes + net factor income from abroad
C:-"'GNP_{MP}"‘ - Consumption of fixed capital - net indirect taxes - net factor income from abroad
D:-"'GDP_{MP}"‘ - Consumption of fixed capital + net indirect taxes - net factor income from abroad
Ans: B

12:-Match the following :
i. Chelliah Committee a. Introduction of value added tax (VAT) in India
ii. Vijay Kelkar Committee b. Introduction of GST
iii. LKJha committee c. Reducing the cost of imported inputs
iv. Constitution (115th Amendment) Bill d. Empower CBDT with appropriate administrative and financial powers
A:-i-c, ii-d, iii-a, iv-b
B:-i-b, ii-c, iii-d, iv-a
C:-i-c, ii-b, iii-a, iv-d
D:-i-d, ii-c, iii-b, iv-a
Ans: A

13:-Which among the following is NOT a property of statistical variance?
A:-The variance is independent of change of origin B:-The variance is independent of the change of scale
C:-The value of variance is always positive D:-Zero variance indicates that all the values are equal in the distribution
Ans: B

14:-Net economic welfare is derived from the real GNP by deducting the following components except
A:-Depreciation B:-Environmental pollution C:-Value of non-market activities D:-Regrettable costs
Ans: C

15:-Choose the correct statement/s about normal distribution
A:-It is a continuous distribution of data B:-For normal distribution, mean = median = mode
C:-It is commonly known as the bell curve D:-All the above
Ans: D

16:-Arrange the following sectors in the correct descending order of their contribution to Gross value Added of India during 2016-17 at constant prices:
i. Construction
ii. Manufacturing
iii. Agriculture, Forestry and Fishing
iv. Trade, hotel, Communication and services related to broadcasting
A:-iv-ii-iii-i B:-iv-iii-ii-i
C:-ii-iv-i-iii D:-iii-iv-i-ii
Ans: A

17:-The value of national output with a constant price level and adjusting the inflation rate is
A:-Price index B:-Nominal GDP C:-Real GDP D:-Per capital income
Ans: C

18:-Identify the correct statement related to Goods and Services Tax Bill
A:-Surcharge on supply of goods, cesses, special ad-on duty of customs, add-on duties of customs and excise and central excise duty would be replaced by Central Taxes GST
B:-Entertainment tax, entry tax, purchases tax, central sales tax, VAT, etc. would be replaced by Central Tax GST
C:-The 2014 bill modified and updated the 2011 bill provision that imposed certain restrictions on the states on taxation of the products that are important for inter-state commerce and trade
D:-All the above
Ans: A

19:-Net factor income earned from abroad includes the following component/s
A:-Net compensation of employees B:-Net income from property
C:-Net retained earnings of the resident companies working in foreign countries D:-All the above
Ans: D

20:-The statistical test used to determine whether two population means are different when the variances are known and the sample size is large is called
A:-Chi square test B:-z-test C:-One tailed test D:-None of these
Ans: C

21:-Consider the following statements related to incidence of a tax
Statement l : The incidence of a unit tax on the buyers will be less than the amount of the tax when the commodity is being produced under increasing cost conditions.
Statement II : The incidence of tax on the buyers will be greater than the tax when the commodity is being produced under decreasing cost conditions.
A:-Statement I alone is correct
B:-Statement II alone is correct
C:-Statement l and II are correct
D:-Statementl and II are incorrect
Ans: C

22:-Identify the wrong criteria for the distribution of plan assistance according to Gadgil formula
A:-Population - 60%
B:-Tax efforts - 7%
C:-Per capita state income - 25%
D:-Special problems of individual states - 7.5%
Ans: B

23:-In the simple linear regression model ‘y = alpha + beta x + epsi‘ , the structural parameter is
A:-‘y‘
B:-‘x‘
C:-‘ beta‘
D:-‘epsi‘
Ans: C

24:-If fixed cost is Rs. 6,000, selling price is Rs. 5 per unit and variable cost is Rs. 2 per unit, the break-even point shall be
A:-500 units
B:-1000 units
C:-2000 units
D:-2500 units
Ans: C

25:-is the amount at any given volume of output by which aggregate costs are changed if the volume of output is increased or decreased by one unit.
A:-Differential cost
B:-Marginal cost
C:-Average cost
D:-Imputed cost
Ans: B

26:-Angle of incidence is .
A:-Angle between total sales line and total cost line B:-Angle between variable cost line and fixed cost line
C:-Angle between fixed cost line and total sales line D:-Angle between total cost line and variable cost line
Ans: A

27:-Which of the following is not true?
A:-Contribution = Fixed Cost + Profit B:-Profit = Contribution - Fixed cost
C:-Variable Cost = Sales - Contribution D:-Fixed Cost = Contribution + Profit
Ans: D

28:-If profit is Rs. 8,000, selling price per unit is Rs. 10 and variable cost per unit is RS. 6, margin of safety shall be
A:-Rs. 20,000 B:-Rs. 13,333
C:-Rs. 3,200 D:-Rs. 4,800
Ans: A

29:-If sales revenue is Rs. 1,00,000, profit is Rs. 20,000 and PV ratio is 40%, the BEP shall be
A:-Rs. 8,000
B:-Rs. 24,000
C:-RS. 50,000
D:-Rs. 40,000
Ans: C

30:-___________is concerned with probable events likely to happen under anticipated conditions during a specified period of time.
A:-Estimate B:-Forecast
C:-Budget D:-All of these
Ans: B

31:-Flexible budget is
A:-Dynamic budget B:-Variable budget
C:-Sliding scale budget D:-All of these
Ans: D

32
:-Reserve Bank of India (RBI) nationalized in
A:-1935 B:-1948 C:-1947 D:-1950
Ans: B

33:-Which of the following is not an objective of Discount and Finance House of India (DFHI)?
A:-Stimulate Activity in Money Market Instruments B:-Deals in Treasury Bills, Certificate of Deposits and Commercial papers
C:-Participates in Call and Short Notice Markets D:-Engaged in stock broking activities
Ans: D

34:-The minimum denomination for a Certificate of Deposit is
A:-Rs. 1,00,000 B:-Rs. 50,000
C:-Rs. 25,000 D:-Rs. 10,000
Ans: A

35:-What are Stalwarts?
A:-Shares that are highly volatile
B:-Shares of companies with growth rate greater that the growth rate of GDP of the country
C:-Shares with good track record of earnings and dividend payouts
D:-Shares with stable market prices
Ans: B

36:-Which of the following is not a method of Selective Credit Control by Reserve Bank of India?
A:-Open market Operation B:-Differential Rates of Interest
C:-Restriction on Clean Advances D:-Issuing directives
Ans: A

37:-Expand MIGA
A:-Multinational Income Guarantee Agreement
B:-Multicurrency Investment Generating Agency
C:-Multilateral Investment Guarantee Agency
D:-Multilateral Income Generating Agreement
Ans: C

38:-Which of the following is not a Counter Trade in Foreign Trade Transactions?
A:-Barter B:-Compensation
C:-Forfeiting D:-Counter purchase
Ans: C

39:-What are the three basic theories of International business?
A:-The theory of Comparative Advantage, The Imperfect Market Theory and Product Life Cycle Theory
B:-The Theory of Marginal Advantage, The Perfect Market Theory and Theory of Business Cycles
C:-The Theory of Competitive Advantage, The Compensation Theory and Brand Life Cycle Theory
D:-None of the above
Ans: A

40:-Which of the following is an exchange rate system?
A:-Fixed B:-FreeIy floating C:-Pegged D:-All of the above
Ans: D

41:-Comparative Cost Advantage Theory was propounded by
A:-Adam Smith B:-Alfred Marshal C:-David Ricardo D:-Joel Dean
Ans: C

42:-The budget that summarises and integrates all the individual budgets within an organisation, is called as
A:-Summarised budget B:-Master budget
C:-Operating budget D:-All of these
Ans: D

43:-Static budget is also called as
A:-Master budget B:-Functional budget
C:-Fixed budget D:-Flexible budget
Ans: C

44:-Who is the father zero-based budgeting?
A:-Jimmy Carter B:-Peter Pyhrr C:-James Wilson D:-Eugene Fama

Ans: B

45:-____________is the practice of preparing the budget based on evaluation of productivity of different operations in an organisation.
A:-Performance budgeting B:-Conventional budgeting
C:-Activity-based budgeting D:-Zero-based budgeting
Ans: A

 
46. Pantry Audit is associated with
A:-An Auditing Technique B:-Auditing of Pantry Records
C:-A Method of Data Collection D:-None of the above
Ans: C

47:-Which of the following is not an 'On the job training' method?
A:-Apprentice Training B:-Job rotation C:-Vestibule training D:-None of these
Ans: C

48:-Which of the following is an employee performance appraisal method?
A:-Checklist B:-Forced distribution method C:-Field review method D:-All of these
Ans: D 

49:-'Consumer will prefer those products that offer the most quality, performance and innovative features' is the view of
A:-Production concept B:-Product concept
C:-Selling concept D:-Relationship marketing concept
Ans: B

50:-What are the 'four Cs' of marketing proposed by Robert F Lauterborn?
A:-Consumer, Cost, Convenience and Communication
B:-Company, Consumer, Communication and Customer relationship
C:-Company, Consumer, Cost and Communication
D:-Consumer, Cost, Credit and Communication
Ans: A

51:-Which of the following is not a fund based service?
A:-Bill discounting B:-Factoring C:-Credit Rating D:-Housing finance
Ans: C

52:-Which of the following statement is correct?
A:-Book runner is a part of venture capital financing B:-Forfaiting is similar to factoring in international business
C:-Trade bill is prepared by the debtor D:-Non-banking finance companies need not be registered with Companies Act
Ans: B

53:-Which of the following is not related with merchant banking?
A:-Underwriting B:-Issue management C:-Greenshoe option D:-None of these
Ans: D

54:-Which of the following are not the characteristics of factoring?
A:-Recourse or nonrecourse B:-Selling receivables
C:-100% financing D:-None of these
​Ans: C

55:-Lease in which the risk and reward is transferred to the lessee with the transfer of asset
A:-Operating lease B:-Short term lease C:-Financial lease D:-Cancellable lease
Ans: C

56:-First Indian commercial bank started merchant banking division in India
A:-ICICI B:-Grindlays Bank C:-State Bank of India D:-Canara Bank
Ans: C

57:-India Ratings and Research Limited is a fully owned subsidiary of
A:-Trans union B:-Fitch group C:-Moody's D:-Standard and Poor's
Ans: B

58:-Stock broker providing an online trading platform for reduced commission but typically does not provide investment service and advises is called
A:-Fu|| service broker B:-Discount Broker C:-Rea| broker D:-Jobber
Ans: B

59:-Which of the following is a credit bureau in India?
A:-CIBIL B:-Equifax C:-CR|F High Mark D:-All of these
Ans: D

60:-The prime regulatory authority for merchant banking in India
A:-RBI B:-SEBI C:-Ministry of Finance D:-Ministry of Corporate Affairs
Ans: B

61:-"|ndia's International Bank" is the slogan of which bank?
A:-SBI B:-ICICI Bank C:-HDFC Bank D:-Bank of Baroda
Ans: D

62:-What are the liabilities of a bank?
A:-Advances B:-Time Deposits C:-Bills discounted D:-Cash with Reserve Bank
Ans: B

63:-NHB was set up on
A:-July 12, 1982 B:-July 9, 1988 C:-April 2, 1990 D:-Nov. 22, 1972
Ans: B

64:-Commercial banks mainly invest in
A:-Government securities B:-Life Insurance policies of the staff C:-Treasury Bills D:-Equity shares
Ans: A

65:-As on 31.3.2013 how many RRBs are there in the country
A:-196 B:-89 C:-64 D:-126
Ans: C

66:-Do|phin is a new mascot and logo of which bank?
A:-Catho|ic Syrian Bank B:-Laxmi Vilas Bank C:-Andhra Bank D:-Bank of Madura
Ans: C

67:-The credit deposit ratio of scheduled commercial banks in India in the year 1995
A:-70% B:-61%
C:-55% D:-65%
Ans: C

68:-As per SEBI guidelines, in a book building process the cap in the price band
A:-Should be at least 10% of the floor price
B:-Shou|d not be more than 20% of the floor price
C:-No limits
D:-None
Ans: B

69:-Co-operative banks have to prepare their balance sheet and profit and loss account in the form set out in the Third Schedule to
A:-Banking Regulation Act
B:-Reserve Bank of India Act
C:-State co-operative Societies Act
D:-Centra| co-operative societies Act
Ans: A

70:-The most important internal factor that contributes to NPA is
A:-Business failure B:-|nefficient management C:-Diversion of funds D:-Techno|ogy
Ans: C

71:-The NBFCs which must be compulsorily registered with the RBI must have a net owned funds of
A:-Rs. 50 lakhs and above B:-Rs. 5 crore and above
C:-Rs. 25 lakhs and above D:-Rs. 15 lakhs and above
Ans: A

72:-The maximum period for which deposits can be obtained by a NBFC is
A:-5 years B:-3 years C:-8 years D:-10 years
Ans: D

73:-In the RBI made it mandatory for NBFCs to get rated in order to protect the interests of retail investors.
A:-1992 B:-1998 C:-2000 D:-2010
Ans: B

74:-The minimum capital requirements for the commencement of a chit
A:-Rs. 10 lakhs B:-Rs. 5 lakhs C:-Rs. 1 lakh D:-Rs. 50,000
Ans: C

75:-|f the guidelines of the RBI in the matter of credit are violated, it can levy penalty on the violating bank under
A:-Reserve Bank of India Act B:-Negotiab|e Instrument Act
C:-Indian Penal Code D:-Banking Regulation Act
Ans: D

76:-All the records pertaining to a chit shall be kept by
A:-Director B:-Foreman C:-Chairman D:-Registrar
Ans: B

77:-Which of the following entity is not permitted to participate both as a lender and borrower in the call /notice money market?
A:-Co-operative bank B:-NBFC C:-Primary Dealer D:-Scheduled Commercial Banks
Ans: B

78:- means any company which is notified by the central government under section 620 A of the Companies Act 1956.
A:-MBFC B:-MNBC C:-RNBC D:-NBNFC
Ans: A

79:- is a scheme launched by the Hon'ble Prime Minister on April 8, 2015 for providing loans up to Rs. 10 lakhs to the non-corporate, non-farmer smaII/micro enterprises.
A:-PMMY B:-PMJDY C:-PMSBY D:-PMJJBY
Ans: A

80:-A is a NBFC carrying on the business of acquisition of shares and securities.
A:-Mutual Benefit Financial Company B:-Miscellaneous Non-Banking Company
C:-Residuary Non-Banking Companies D:-Core Investment Companies
Ans: D

81:-Functions of management suggested by Henry Fayol
A:-P|anning, Organising, Staffing, Directing and Controlling
B:-P|anning, Organising, Commanding, Co-ordinating and Controlling
C:-P|anning, Organising, Co-ordinating, Directing and Controlling
D:-P|anning, Organising, Staffing, Co-ordinating and Controlling
Ans: B

82:-'Management is the art of getting things done through others and with formally organised group' is the definition of
A:-Henry Fayol B:-Mary Parker Follet
C:-George R. Terry D:-Haro|d Koontz
Ans: D

83:-Which of the following is not related with scientific management of F.W. Taylor?
A:-Menta| revolution B:-|nitiative and incentive C:-Training and development D:-None of these
Ans: D

84:-The process of searching for prospective employees and stimulating them to apply for the job is called
A:-Recruitment B:-Man power planning C:-Job advertisement D:-Selection
Ans: A

85:-CSR stands for
A:-Company Social Responsibility B:-Corporate Social Responsibility
C:-Critica| Social Responsibility D:-Company Social Requirements
Ans: B

86:-Stage of selection process to find whether candidates are fit and to eliminate totally unsuitable candidates
A:-Pre|iminary Interview B:-Written Test C:-|nterview D:-Checking references
Ans: A 


87:-The amount of time by which the start of an activity may be delayed without affecting the overall duration of the project is known as
A:-Optimistic time B:-Pessimistic time C:-Most likely time D:-Slack
Ans: D

88:-Quantitative methods of forecasting include
A:-Sales force Composite B:-Consumer Market Survey
C:-Smoothing Approach D:-All of these
Ans: C

89:-Which of the following criteria is not used for decision-making under uncertainty?
A:-Maximin B:-Maximax C:-Minimax D:-Minimize expected loss
Ans: D

90:-Which of the following relationship is true in a symmetrical distribution?
A:-Median - Q1 = Q3 - Median B:-Median - Q1 > Q3 - median
C:-Median - Q1 < Q3 - Median D:-None of the above
Ans: A

91:-The biggest constraint in E-banking is
A:-Startup cost B:-Maintenance cost C:-Training cost D:-Security cost
Ans: A

92:-The important delivery channel of E-banking is
A:-Home banking B:-Tele banking C:-Internet banking D:-Mobi|e banking
Ans: C

93:-'RuPay' card payment network is developed by which of the following organisations?
A:-RBI B:-NPCI C:-VISA D:-SBI
Ans: B

94:-Ministry of Rural Development provides a one time grant of Rs. to the lead bank in every district to set up one RSETI.
A:-50 lakhs B:-10 lakhs C:-75 lakhs D:-One crore
Ans: D

95:-E|ectronic purse may have following number of storage space
A:-On|y one B:-Two C:-Severa| D:-No storage space
Ans: C

96:-The committee which has recommended for establishment of data warehouse is known as
A:-Vasudevan committee B:-Rengarajan committee C:-Suraf committee D:-Shere committee
Ans: A

97:-Which of the following payment system use(s) EDI?
A:-RTGS B:-SWIFT C:-Fedwire D:-NEFT
Ans: B

98:-Objectives of IS security is to assure
A:-Confidentiality B:-Integrity C:-Availability D:-All of the above
Ans: D

99:-The upper value limit of an individual national electronic fund transfer (NEFT) transaction is
A:-Rs. 20,000 B:-Rs. 50,000 C:-Rs. 1,00,000 D:-None of the above
Ans: D

100:-For offering mobile banking services, banks have to obtain permission from which of the following authorities?
A:-IRDA B:-TRAI C:-RBI D:-Ministry of Telecommunication
Ans: C
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      • UPSC EXAM SYLLABUS- COMMERCE AND ACCOUNTING
      • UPSC EXAM SYLLABUS- ECONOMICS
      • UPSC EXAM SYLLABUS- ELECTRICAL ENGINEERING
      • UPSC EXAM SYLLABUS- HISTORY
      • UPSC EXAM SYLLABUS- LAW
      • UPSC EXAM- FREQUENTLY ASKED QUESTIONS (FAQs)
      • UPSC EXAM SYLLABUS- MANAGEMENT
      • UPSC EXAM SYLLABUS- MATHEMATICS
      • UPSC EXAM SYLLABUS- MECHANICAL ENGINEERING
      • UPSC EXAM SYLLABUS- MEDICAL SCIENCE
      • UPSC EXAM SYLLABUS- PHILOSOPHY
      • UPSC EXAM SYLLABUS- PHYSICS
      • UPSC EXAM SYLLABUS- POLITICAL SCIENCE AND INTERNATIONAL RELATIONS
      • UPSC EXAM SYLLABUS- PSYCHOLOGY
      • UPSC EXAM SYLLABUS- PUBLIC ADMINISTRATION
      • UPSC EXAM SYLLABUS- SOCIOLOGY
      • UPSC EXAM SYLLABUS- STATISTICS
      • UPSC EXAM SYLLABUS- ZOOLOGY
    • THE COMBINED GEOSCIENTIST AND GEOLOGIST EXAMINATION SYLLABUS
    • COMBINED MEDICAL SERVICES EXAMINATION SYLLABUS
    • JOINT ENTRANCE EXAMINATION
    • OPTIONAL SUBJECTS OF UPSC EXAM TOPPERS
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    • COMBINED GRADUATE LEVEL EXAMINATION- SSC
    • OVERVIEW OF GATE EXAM
    • UPSC INDIAN FOREST SERVICE >
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- AGRICULTURE
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- AGRICULTURAL ENGINEERING
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- ANIMAL HUSBANDRY AND VETERINARY SCIENCE
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- BOTANY
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- CHEMISTRY
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- CHEMICAL ENGINEERING
      • GEN. STUDIES- INDIA PAGE 5
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- CIVIL ENGINEERING
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- FORESTRY
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- GEOLOGY
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- MATHEMATICS
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- MECHANICAL ENGINEERING
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- PHYSICS
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- STATISTICS
      • UPSC INDIAN FOREST SERVICE- SYLLABUS- ZOOLOGY
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