By / Banking and Institutional Finance – MCQs 📘 Chapter 4: Banking and Institutional Finance – MCQs Q1. What is the main focus of financial inclusion initiatives in Himachal Pradesh? A. Establishing new banks B. Promoting rural credit and digital payments C. Increasing industrial loans D. Privatizing cooperative banks Q2. Which of the following schemes promotes financial inclusion and insurance coverage in Himachal? A. Swavalamban Yojana B. Pradhan Mantri Jan Dhan Yojana (PMJDY) C. Atal Bhujal Yojana D. Startup India Q3. As of FY2023–24, how many total bank branches were functioning in Himachal Pradesh? A. 1,200+ B. 1,850+ C. 2,300+ D. 2,850+ Q4. What does CD ratio stand for in banking? A. Cash Deposit Ratio B. Credit-Deposit Ratio C. Capital Deployment Ratio D. Cumulative Deposit Ratio Q5. What was the Credit-Deposit (CD) ratio of banks in Himachal Pradesh as per latest data? A. 44% B. 50% C. 55% D. 61% Q6. Which financial institution plays a major role in refinancing rural credit in HP? A. RBI B. SIDBI C. NABARD D. SBI Q7. What is the role of NABARD Consultancy Services (NABCONS)? A. Agricultural input supply B. Providing micro-loans C. Project consultancy and monitoring support D. Cashless banking training Q8. What does “Saturation Campaign” under PMJDY target in HP? A. 100% Aadhaar linkage B. All adults having a bank account C. Complete digital literacy D. Universal insurance coverage Q9. Which financial literacy program is implemented in HP to improve banking awareness? A. Digital Saksharta Abhiyan B. Financial Literacy Week C. Smart Money Mission D. Jan Nivesh Abhiyan Q10. Which of the following schemes is not a government-sponsored financial scheme in HP? A. PM MUDRA Yojana B. Stand-Up India C. Ayushman Bharat D. Kisan Credit Card Q11. Which sectors received the highest bank credit in HP? A. Trade and Tourism B. Agriculture and MSMEs C. Housing and Infrastructure D. Education and Health Q12. What is the role of the State Level Bankers’ Committee (SLBC) in HP? A. Approve large-scale loans B. Set interest rates C. Coordinate between banks and government D. Investigate NPAs Q13. What was the business volume (Deposits + Advances) of banks in HP in FY2023–24? A. ₹1 lakh crore B. ₹1.8 lakh crore C. ₹2.3 lakh crore D. ₹3 lakh crore
