ey‡iv evsjv‡`k

1. ey‡iv evsjv‡`‡ki Kg©m~Px KqwU I wK wK?

• Dt- Kg©m~wP 09wU
• K…wl A_©vqb, GmGgB A_©vqb, cvwb I cq:wb®‹vkb ( Iqvk), ¶y`« A_©vqb, AwZ `wi`« Dbœqb,
gvbem¤ú` Dbœqb, ‡iwg‡UÝ, `y‡h©vM e¨e¯’vcbv, wWwRUvj dvBb¨vwÝqvj mvwf©‡mm|

2. Kq ai‡bi wi‡cvU Av‡Q? wK wK?

• Dt 2 ai‡bi wi‡cvU© Av‡Q|
• 1. Financial Information System.
• 2. Management Information System.

3. ey‡iv evsjv‡`‡ki g~j¨‡eva¸‡jv wK?

Dt 1. MÖvnK ev m`m¨‡`i Pvwn`v Ges gZvg‡Zi cªwZ m¤§vb| 2. MÖvnK ev m`m¨‡`i ¶gZvqb| 3. MÖvnK ev
m`m¨‡`i Z_¨ AwaKvi| 4. MÖvnK ev m`m¨‡`i Avw_©K ‡mev I AwaKvi| 5. MÖvnK ev m`m¨‡`i ¸YMZ gvb
m¤úbœ Avw_©K ‡mev cÖ`vb| 6. A_© msM«n Ges Avw_©K e¨e¯’vcbv| 7. k…•Ljv I `~i`wk©Zv| 8. mywbw`©ó
wfkb/wgk‡bi Av‡jv‡K mykvmb c«wZôv| 9 mvgvwRK Dbœq‡b A½xKvie×Zv|

4. ‡K›`ªfz³ I †K›`ª ewn©fzZ m`m¨ I Rvwgb`v‡ii eqm mxgv KZ?

DËit m`m¨i eqm mxgv 60 eQi Ges Rvwgb`v‡ii eqm mxgv = 65 eQi|

5. Balance Sheet ej‡Z wK eywS ?

Dt- e¨v‡jÝ kxU D×…Z cÎ, wbw`©ó Zvwi‡L c«wZôv‡bi m¤ú` I `v‡qi weeiYx‡K DØ…Ë cÎ e‡j D×…Z cG
n‡jv m¤úwË I `v‡qi GKwU wbqg gvwdK AvbyôvwbK wee…wZ|

6. Cashflow Statement ej‡Z wK eywS ?

Dt- bM` Znwej cÖevn weeibx, ‡h weeiYxi gva¨‡g bM` I bM` UvKvq cwigvc ‡hvM¨ Znwe‡ji AšÍ c«evn
I ewntc«evn wbY©q nq Zv‡K bM` Znwej c«evn weeiYx(Cashflow Statement) ejv nq| Bnvi gva¨‡g
Acv‡iwUs wewb‡qvvM Ges A_©ms¯’vb welqK Kvh©µ‡gi bxU e„w× ev n«vm c«Kvk cvq| Gi Øviv GK eQ‡i ev
wbw`©ó mgq bM` UvKv e„w×/ n«vm wbY©q Kiv nq|

7. Financial Year ej‡Z wK ey‡Sb?

Dt- (Avw_©K eQi/A_©eQi/wnmve el©) c«wZôv‡bi wnmve i¶‡Yi 12 gvm mgq Kvj‡K A_© ermi ejv nq|
‡hgb ey‡iv evsjv‡`‡ki A_© ermi RyjvB ‡_‡K Ryb 12 gvm ch©šÍ|
8. cÖavb Kvh©vjq Znwe‡ji Dci kvLv KZ…©cÿ KZ…©K cÖ`vbK…Z jv‡fi nvi
DËit- kvLvi eqm 2 eQi=9%, kvLvi 2 eQ‡ii AvwaK n‡Z cvuP eQi ch©šÍ = 10% cvuP eQ‡ii AwaK
n‡j= 12% Ges †WweU w¯’wZi Dci 8%.

9. B‡gB‡ji †ÿ‡Î CC, BCC wK ?

DËit- CC Gi c~b© iæc nj Kve©b Kwc, BCC Gi c~b© iæc nj eøvBÛ Kve©b Kwc| CC Gi gva¨‡g †Kvb
†gBj †cÖiY Ki‡j †mLv‡b cÖvc‡Ki B‡gBj Av¨v‡Wªm †kv Ki‡e| BCC Gi gva¨‡g †Kvb †gBj †cÖiY Ki‡j
†mLv‡b cÖvc‡Ki B‡gBj Av¨v‡Wªm †kv Ki‡e bv|

10. AvR‡Ki w`‡b KqwU wKw¯Í †Ljvcx c‡o‡Q GwU †Kvb wi‡cv‡U© †`Lv hvq?
DËit- Gbanker> Branch Report> Program> Daily Due List.

11. AwMÖg FY cwi‡kva cieZx© bZzb FY cÖ`v‡bi bxwZ gvjv?

DËit- wewa 18.1 ‡h †Kvb m`m¨ m¤ú~b© FY AwMÖg cwi‡kva Kivi b~b¨Zg 7 w`b ci bZzb Av‡iKwU F‡bi
Rb¨ Av‡e`b Ki‡Z cvi‡eb| Z‡e †Kvb m`m¨ hw` Zvi mvßvwnK F‡bi me©‡kl 8wU wKw¯Í I gvwmK F‡bi
me©‡kl 2wU wKw¯Í evwK _vKvKvjxb PiwZ F‡Yi mgy`q A_© AwMÖg cwi‡kva K‡i bZzb Fb MÖnb Ki‡Z Pvb
†m‡ÿ‡Î m`‡m¨i FY Av‡e`b MÖn‡bi Rb¨ 7 w`b Av‡cÿv Ki‡Z n‡e bv|

12. AvPiY I e¨w³Z¡ eB‡q mvavib AvPib ¸‡jv wK ?

DËit- 1.Kv‡iv mvg‡b cv‡qi Dci cv Zz‡j bv emv, 2.nvB ‡Zvjv ev Kvwk/nvwP †`Iqvi mgq iægvj ev wUm¨y
e¨envi Kiv Ab¨_vq gy‡Li mvg‡b nvZ ivLv, A‡b¨i mvg‡b Mvb †kvbvi mgq †Uwej evwR‡q A_ev Ab¨
†Kvbfv‡e kã bv Kiv, _yZz w`‡q UvKv MYbv bv K‡i gvwb ¯úbR e¨envi Kiv, gvB‡µv‡dv‡b K_v ïiæi Av‡M
dz bv w`‡q Av½y‡ji †UvKvq wbwðZ nIqv †h †mwU Pvjy Av‡Q wK bv, wjdU ev cvewjK Uªv݇cvU© †_‡K Av‡M
Ab¨‡K bvg‡Z w`‡q c‡i wb‡R IVv, Kv‡iv iæ‡g †XvKvi Av‡M AbygwZ †bqv, mnKgx‡`i mv‡_ nvwmgy‡L K_v
ejv, AwZw_‡`i AvšÍwiKfv‡e Af¨_©bv Rvbv‡bv I nvwmgy‡L Kjv ejv|

13. ey‡iv evsjv‡`‡k Kq ai‡bi Kg©x Av‡Q?

DËit K) wbqwgZ Kg©x L) Pzw³wfwËK Kg©x M) †mev ev LÛKvjxb Kg©x N) cÖKí Kg©x O) civgk©K Kg©x P)
Dc‡`óv Kg©x
14. ms¯’vi cÖwZ Kg©x‡`i `vwqZ¡‡eva wK?
DËit ey‡iv evsjv‡`k Zvi mKj ch©v‡qi Kg©x‡`i wbKU wZbwU `vwqZ¡‡eva Gi welq cÖZ¨vkv K‡i| ‡hgb-
K) wm×všÍ MÖn‡Yi ÿgZv L) ¯^vZš¿¨Zv M) Revew`nxZv
15. `Û‡hvM¨ Aciva¸‡jv wK?
DËit K) ms¯’vi wewamg~‡ni †Kvb GKwU f½ Kiv| L) KZ©e¨ Ae‡njv Kiv| M) cÖwZôv‡bi ¯^v‡_©i cwicš’x
KvR Kiv| N) `vßwiK Av‡`k Agvb¨ Kiv| O) k„•Ljv f½ Kiv| P) ˆbwZKZv weewR©Z K‡g© RwoZ nIqv|
Q) `yb©xwZ Kiv R) ivówe‡ivax †Kvb Kv‡R wjß nIqv S) AmvgvwRK †Kvb Kv‡R RwoZ _vKv T) wg_¨vi
AvkÖq †bqv I mZ¨ †Mvcb Kiv|
16. ey‡iv evsjv‡`‡k Kq ai‡bi QzwU i‡q‡Q?
DËit K) mvßvwnK QzwU L) miKvix QzwU M) AwR©Z QzwU N) ˆbwgwËK QywU O) gvZ…Z¡RwbZ QywU P)
wcZ…Z¡RwbZ QywU Q) DrmeKvjxb QzwU R) Amy¯’ZvRwbZ QzwU S) D”Pwkÿv QzwU T) e`jxRwbZ QzwU U)
we‡kl QzwU V) Mf©cvZ RwbZ QzwU

17. ‡ebv‡g Kiv Awf‡hvM MÖnY ev Avg‡j bv †bIqv cÖm‡½ mvK©yjviwU‡Z wK †evSv‡bv n‡q‡Q?
DËit bvg cwiPq bv _vKvq Awf‡hvM wb‡q AwaKZ Rvbvi cÖ‡qvRb n‡j Awf‡hvM Kvixi mv‡_ †hvMv‡hvM Kiv
m¤¢e nq bv| Awf‡hv‡Mi myô wb®úwË Kiv `yiƒn nq Ges G Kvi‡Y ms¯’vi Z`šÍ mswkøó Kg©x I e¨e¯’vcbv
KZ„©c‡ÿiI nqivwbi
18. KbRy¨gvi †cÖvWv± FY weZi‡bi †gqv` KZ?
DËi t KbRy¨gvi †cÖvW± FY 3,6,9,12 (wZb, Qq, bq, evi) gvwmK wfwˇZ Ges mvßvwnK wfwˇZ 45
wKw¯Í‡Z (1 eQi †gqv‡`) GB FY weZiY Kiv hv‡e|

19. m`m¨‡`i Pvwn`vK…Z †cÖvWv‡±i g~j¨ Abyhvqx FY cÖ`vb c×wZ ejyb?

DËit KbRy¨gvi †cÖvWv± F‡Yi cwigvb 1,00,000/- (GK jÿ) UvKv ch©šÍ n‡j Ab¨ FY _vK‡jI 2q FY
wn‡m‡e GB FY weZib Kiv hv‡e| F‡bi cwigvb 1,00,000/- (GK jÿ) UvKvi Dc‡i n‡j Zv 1g
(wcÖwÝcvj) FY wn‡m‡e weZib Ki‡Z n‡e|

20. KbRy¨gvi †cÖvWv± FY ‡Kvb ai‡bi m`m¨ MÖnb Ki‡Z cvi‡e?

DËi t †K›`ªfz³ Ges †K›`ª ewnf©~Z Dfq ai‡bi m`m¨ ev MÖvnKMb G F‡Yi myweav MÖnb Ki‡Z cvi‡eb|
G‡ÿ‡Î cÖ_g FY _vK‡jI wØZxq FY wn‡m‡e KbRy¨gvi †cÖvWv± FY cÖ`vb Kiv hv‡e| Z‡e,3q FY wn‡m‡e
G FYwU MÖnb Kiv hv‡e bv|
GKB m`m¨/MÖvnK GKmv‡_ GKvwaK cb¨ FY wn‡m‡e MÖnb Ki‡Z PvB‡j †m‡ÿ‡Î mswkøó GjvKv
e¨e¯’vc‡Ki Aby‡gv`b mv‡c‡ÿ cÖ`vb Kiv hv‡e| hw` †Kv‡bv MÖvnK/m`m¨i Ab¨ †Kv‡bv FY bv _v‡K, Z‡e
†mB MÖvnK/m`m¨Mb cÖ_g I wØZxq FY wn‡m‡e KbRy¨gvi †cÖvWv± FYwU MÖnb Ki‡Z cvi‡eb|

21. Avw_©K wbivcËv Znwe‡ji Pvu`vi nvi KZ?

DËi t ‡K›`ªfz³© I †K›`ª ewnf©~³ mKj ai‡bi MÖvnK FY MÖnb Ki‡Z n‡j †h †Kvb ‡gqv‡` 1 jÿ UvKv ch©šÍ
0.5%, 1 eQi †gqv`x FY 1%, 2 eQi †gqv`x FY 1%, 3 eQi †gqv`x FY 1.25%, Z‡e †K›`ªfz³ m`m¨i
†ÿ‡Î 2 jÿ UvKvi AwaK n‡j Ges †K›`ª ewnf©~Z mKj m`m¨i FY MÖnb Gi †ÿ‡Î cÖavb Rvwgb`v‡ii
(cÖevmx cwiev‡ei m`m¨i †ÿ‡Î cÖevmx e¨w³i) Rb¨ Dc‡iv³ wcÖwgqv‡gi 50% AwZwi³ UvKv wcÖwgqvg Rgv
w`‡Z n‡e|
 22. cªkœ t ey‡iv evsjv‡`k Gi †K›`ªfy³ Ges †K›`ª ewnf©~Z F‡Yi cªavb Rvwgb`v‡ii eqmmxgv KZ ?
DËi- †K›`ªfy³ Ges †K›`ª ewnf©~Z Dfq ai‡bi F‡Yi Rvwgb`v‡ii me©wbgœ eqmmxgv 18 Ges m‡e©v”P
eqmmxgv 65 eQi| G‡¶‡Î Aek¨B m`m¨ Ges Rvwgb`vi Dfq‡KB kvixwiKfv‡e my¯’ I Kg©¶g n‡Z n‡e
23. cªkœ t mvaviY mÂq Ges †gqv`x m‡qi jv‡fi nvi KZ ?
DËi- mvaviY m‡qi jv‡fi nvi 6%| †gqv`x m‡qi jv‡fi nvi 3 eQi †gqv‡` 7%, 5 eQi †gqv‡`
8% Ges 10 eQi †gqv‡` 10%|
24. cªkœ t kvLvq KZ ai‡bi fvDPvi Kiv nq Ges wK wK fvDPvi Kiv nq ?
DËi- kvLvq `yB ai‡bi fvDPvi Kiv nq| †WweU Ges fvDPvi Ges †µwWU fvDPvi|
25. cÖkœt †iwg‡UÝ Kg©m~Px MwZkxj Kivi Rb¨ Kibxq wK?
DËit cÖevmx cwiev‡ii ZvwjKv K‡i Zv‡`i mwnZ †hvMv‡hvM Ki‡Z n‡e, cyivZb †iwg‡UÝ MÖvnK‡`i mwnZ
†hvMv‡hvM Ki‡Z n‡e|
26.cÖkœt Kg©x mvgwqK Ae¨nwZ‡Z _vK‡j †Kvb †Kvb fvZv KZ©b n‡e bv?
DËit evox fvov I wPwKrmv fvZv|
27. cÖkœt mvgwqK Ae¨nwZ‡Z _vK‡j Kg©xi g~j †eZb wbY©q wKfv‡e Ki‡eb?
DËit (g~j †eZb/ †h gvm hZ w`‡b*mvgwqK Ae¨nwZi w`b msL¨v)/2
28.cÖkœt wcZ…Z¡RwbZ QzwU‡Z _vK‡j Kg©x †Kvb wej cv‡e bv?
DËit dz‡qj wej|
29. cÖkœt 14 w`‡bi †gwW‡Kj QzwU‡Z †_‡K †Kvb Kg©x †gwW‡Kj QzwU wb‡j †Kvb wej cv‡e bv?
DËit dz‡qj wej|
30.cÖkœt ˆbwgwËK QzwU †bIqvi wbqg wK?
DËit ˆbwgwËK QzwU †f‡½ †f‡½ †bIqv hv‡e, Z‡e ˆbwgwËK QzwUi mv‡_ Ab¨ †Kvb QzwU wgwj‡q wb‡j
31. cÖkœt †gwW‡Kj QzwU KZ w`b? Wv³v‡ii cÖgvYcÎ Qvov KZ w`b?
DËit 14 w`b, 2 w`b Wv³v‡ii cÖgvYcÎ Qvov QzwU †fvM Kiv hv‡e|
32. cÖkœt †Kvb †Kvb F‡Yi my`i nvi 24% e¨wZZ Ges my‡`i nvi KZ %?
DËit `~‡hv©M FY-18%, GmGgGwc-19%, cÖ‡bv`bv FY-9%, cveZ©¨ A‡ji F‡Yi my`i nvi-12%|
33. cÖkœt 1 eQ‡i 52 mßvn wKš‘ wKw¯Í Av`vq Kiv nq 45 wU Zvn‡j wK Kvi‡Y 7 mßvn wKw¯Í Av`vq Kiv nq bv?
DËit F‡Yi †MÖm wcwiqW 2 mßvn, `yB B‡`i eÜ 2 mßvn, wewfbœ w`e‡mi miKvix eÜ 3 mßvn|
34. cÖkœt 2q FY wn‡m‡e m`m¨iv †Kvb †Kvb FY MÖnY Ki‡Z cvi‡e?
DËit Iqvk, KbRy¨gvi, Riæix FY I †gŠmygx FY|
35. cÖkœt †Kvb m`m¨ 1g FY wn‡m‡e †gŠmygx FY MÖnY Ki‡Z PvB‡j m‡ev”P KZ UvKv MÖnY Ki‡Z cvi‡e?
DËit 1 jÿ UvKv|
36. cÖkœt 7.5% nv‡i mvaviY m‡qi jf¨vsk KZ w`b ci ci fvDPvi Ki‡Z n‡e? fvDPvi Kivi c×wZ wK?
DËit 3 gvm cici jf¨vs‡ki fvDPvi Ki‡Z n‡e|
mvaviY m‡qi jvf wnmve=‡WweU-
mvaviY mÂq wnmve = †µwWU|
37. cÖkœt KbRy¨gvi F‡Yi †gqv`Kvj wK? mßvwnK I gvwmK wKw¯Í‡Z KbRy¨gvi FY weZiY Kiv hvq wKbv?
DËit 3,6,9,12 gvwmK wKw¯Í‡Z Ges mvßvwnK 45 wKw¯Í‡Z GB FY weZiY Kiv hvq|
38. cÖkœt wdì n‡Z Kg©x m‡ev”P© KZ UvKv mÂq D‡Ëvjb w`‡Z cv‡i?
DËit Kg©x wdì n‡Z m`‡m¨i m¤§wZ‡Z m‡ev”P© 5,000 UvKv bM` A_© D‡Ëvjb w`‡Z cvi‡e| Z‡e ïaygvÎ
mvaviY mÂq n‡Z wKw¯Íi mgcwigvb UvKv mÂq D‡Ëvj‡bi gva¨‡g wKw¯Í mgš^q Ki‡Z cvi‡e| ïaygvÎ †h †Kvb
1wU †mev m`m¨‡K wdì n‡Z †`Iqv hv‡e|
39. cÖwf‡W›U dv‡Û GKRb Kg©x m‡ev”P© KZ % Rgv ivL‡Z cvi‡e?
DËit Aby‡gv`b mv‡c‡ÿ g~j †eZ‡bi m‡ev”P© 25% Rgv ivL‡Z cvi‡e|
40. cÖkœt †K›`ªfz³ m`m¨‡`i FYmxgv KZ n‡j wej¤^my` MÖnY Ki‡Z n‡e?
DËit 2 jÿ UvKvi DaŸ© n‡Z 5 jÿ UvKv ch©šÍ|
41. cÖkœt SMAP F‡Yi mgq mxgv KZ Ges K…wl hš¿cvwZ µ‡qi Rb¨ GKRb m`m¨‡K m‡ev”P© KZ UvKv weZiY Kiv
hv‡e?
DËit F‡Yi mxgv 1 eQi ev 2 eQi n‡Z cv‡i| 2 ePj n‡j F‡Yi †MÖm wcwiqW n‡e 3 gvm| GKRb m`m¨‡K
m‡ev”P© 3 jÿ 50 nvRvi UvKv weZiY Kiv hv‡e|
42. cÖkœt †Kvb m`m¨ cvkeB e¨wZZ Kg©xi wbKU mÂq ev F‡Yi wKw¯Í cÖ`vb Ki‡j kvLv e¨e¯’vcK I wnmveiÿ‡Ki
Kibxq wK?
DËit m`m¨ †h cwigvb mÂq ev F‡Yi wKw¯Í cÖ`vb K‡i‡Q Zvi Rb¨ Rgv iwk` h_vh_fv‡e cyiY K‡i MÖnK
Kwc‡Z RgvKvix Kg©xi ¯^vÿi K‡i MÖnK Kwc m`m¨‡K cÖ`vb Ki‡e|
kvLv e¨e¯’vcK I wnmveiÿ‡Ki Kibxqt Kgx©i Kv‡Q †_‡K Rgv iwk‡`i mgcwigvb UvKv ey‡S wb‡q Awdm
Kwc‡Z kvLv e¨e¯’vcK I wnmveiÿK ¯^vÿi Ki‡eb|
43. G‡R›U e¨vsK n‡Z cÖvß MICR †PK MÖnY K‡i FY †`Iqv hv‡e wK?

DËit m`m¨Mb †h †Kvb Zcwmwj e¨vs‡Ki G‡R›U n‡Z cÖvß MICR †PK MÖnY K‡i FY MÖnY Ki‡Z cvi‡e|
44. cÖkœt †K›`ªfz³ m`m¨‡`i FY weZi‡Yi †ÿ‡Î Pzw³cÎ e¨env‡ii wbqg wK?
DËit 2 jÿ UvKv ch©šÍ KvM‡R mv`v Pzw³cÎ Ges 2 jÿ UvKv AwaK n‡j 300 UvKv ÷¨v¤ú G Pzw³cÎ Ki‡Z
n‡e|
45. cÖkœt †K›`ª ewn©fz³ m`m¨‡`i FY weZi‡Yi †ÿ‡Î Pzw³cÎ e¨env‡ii wbqg wK?
DËit 50 nvRvi UvKv ch©šÍ 50 UvKvi ÷¨v¤ú Ges 50 nvRvi UvKvi D‡aŸ© n‡j 300 UvKvi ÷¨v¤ú G Pzw³cÎ
Ki‡Z n‡e|
46. cÖkœt †K›`ªfz³ m`m¨‡`i KZ UvKv FY weZi‡Yi †ÿ‡Î e¨vsK †PK MÖnY eva¨ZvgyjK?
DËit 2 jÿ UvKv n‡Z 5 jÿ UvKv ch©šÍ|
47. cÖkœt miKvix I †emiKvix Awdm I I‡qe mvB‡U Kvi bvg †gvevBj b¤^i e¨envi Ki‡Z n‡e?
DËit cÖkvmb wefv‡Mi wefvMxq cÖav‡bi bvg, †gvevBj b¤^i I B-‡gBj e¨envi KiZ‡ n‡e|
48. cÖkœt GKRb m`m¨ KZwU wKw¯Í GKKvjxb cÖ`vb Ki‡j b~bZg 7 w`b Av‡iKwU F‡Yi Rb¨ A‡cÿv Ki‡Z n‡e
bv?
DËit mvßvwnK me©‡kl 8 wU Ges gvwmK me©‡gvU 2 wU wKw¯Í|

49. cÖkœt `~‡h©vM ev Avc`Kvjwb mg‡qi Rb¨ ˆ`wbK wKwK wi‡cv©U One Drive msiÿY Ki‡Z n‡e?
DËit ˆ`wbK Rgv †iwRóvi I ˆ`wbK K¨vk eyK|
50. cÖkœt gvV ch©v‡qi Kgx©‡`i m‡ev”P© KZ UvKv evB-mvB‡Kj AwMÖg cÖ`vb Kiv hvq Ges gvwmK KZ UvKv mgš^q
Ki‡Z n‡e?
DËit 15,000 UvKv Ges gvwmK 1,000 UvKv AMÖxg mgš^q Ki‡Z n‡e|