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Objective Questions

Latest LIC HFL Apprentice Exam Question (Objective Questions), MCQ in English

Subjects : General / Financial Awareness, General English, Reasoning Ability and Computer Aptitude, Quantitative Aptitude

Question Bank LIC HFL Apprentice Exam - English
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General / Financial Awareness

Question 1Single Answer
A salaried employee wishes to deposit monthly income and earn interest while retaining easy access to money. Which account is most appropriate?
  1. A
    Current Account
  2. B
    Demat Account
  3. C
    Savings Account
  4. D
    Loan Account
Question 2Single Answer
A trader conducts numerous business transactions every working day. The suitable banking account is:
  1. A
    Fixed Deposit Account
  2. B
    Recurring Deposit Account
  3. C
    Current Account
  4. D
    Salary Account
Question 3Single Answer
Under a Fixed Deposit, the customer generally agrees to:
  1. A
    Deposit different amounts every hour
  2. B
    Withdraw the entire amount daily
  3. C
    Keep a specified amount with the bank for an agreed period
  4. D
    Purchase shares through the bank
Question 4Single Answer
What distinguishes a Recurring Deposit Account from a regular Fixed Deposit?
  1. A
    It permits unlimited overdrafts
  2. B
    It is exclusively for companies
  3. C
    It involves regular deposits over an agreed tenure
  4. D
    It does not earn any interest
Question 5Single Answer
An account opened by two individuals with shared ownership is described as a:
  1. A
    Suspense Account
  2. B
    Nostro Account
  3. C
    Joint Account
  4. D
    Cash Credit Account
Question 6Single Answer
Which banking facility permits an eligible customer to withdraw more than the available balance up to a sanctioned limit?
  1. A
    Term Deposit
  2. B
    Safe Deposit Locker
  3. C
    Overdraft
  4. D
    Standing Instruction
Question 7Single Answer
A salary account is generally maintained under which broad category?
  1. A
    Loan Account
  2. B
    Current Account
  3. C
    Savings Account
  4. D
    Fixed Deposit Account
Question 8Single Answer
An individual plans to save Rs. 2,000 every month for two years. Which deposit product best matches this requirement?
  1. A
    Current Account
  2. B
    Recurring Deposit
  3. C
    Overdraft Account
  4. D
    Demand Draft
Question 9Single Answer
A bank deposit that can ordinarily be withdrawn on demand without a fixed maturity is called:
  1. A
    Capital Deposit
  2. B
    Locked Deposit
  3. C
    Security Deposit
  4. D
    Demand Deposit
Question 10Single Answer
Identify the account category in which banks generally do not pay interest on balances under ordinary current-account arrangements.
  1. A
    Recurring Deposit Account
  2. B
    Current Account
  3. C
    Savings Account
  4. D
    Fixed Deposit Account
Question 11Single Answer
The word 'tenure' in a fixed deposit refers to:
  1. A
    The number of account holders
  2. B
    The amount of tax charged
  3. C
    The period for which money is deposited
  4. D
    The location of the bank branch
Question 12Single Answer
A customer wants to instruct the bank to pay electricity bills automatically every month. The appropriate service is:
  1. A
    Deposit Insurance
  2. B
    Loan Moratorium
  3. C
    Cheque Truncation
  4. D
    Standing Instruction
Question 13Single Answer
In banking terminology, a dormant or inoperative account generally indicates:
  1. A
    An account with excessive deposits
  2. B
    An account carrying a home loan
  3. C
    An account with no qualifying customer-induced transactions for the prescribed period
  4. D
    An account with a positive interest rate
Question 14Single Answer
The primary purpose of a Demat Account is to:
  1. A
    Hold securities electronically
  2. B
    Provide housing loans
  3. C
    Collect cash deposits
  4. D
    Issue currency notes
Question 15Single Answer
Money placed in a bank for a predetermined term is classified as:
  1. A
    Demand Currency
  2. B
    Equity Capital
  3. C
    Term Deposit
  4. D
    Working Capital
Question 16Single Answer
Ignoring other transactions, the available balance becomes:
  1. A
    Rs. 62,000
  2. B
    Rs. 42,000
  3. C
    Rs. 38,000
  4. D
    Rs. 48,000
Question 17Single Answer
The banking term 'nominee' identifies:
  1. A
    The bank's external auditor
  2. B
    The branch security officer
  3. C
    A person designated to receive account proceeds after the depositor's death, subject to applicable law
  4. D
    The employee who opened the account
Question 18Single Answer
A customer maintains funds in an account that allows regular deposits and withdrawals for personal needs. This is characteristic of:
  1. A
    Debenture Account
  2. B
    Savings Account
  3. C
    Mortgage Account
  4. D
    Capital Reserve Account
Question 19Single Answer
In a joint account operated under 'Either or Survivor' instructions, transactions during the lifetime of both holders may ordinarily be performed by:
  1. A
    Either account holder
  2. B
    The bank manager alone
  3. C
    The nominee alone
  4. D
    Both holders acting simultaneously in every case
Question 20Single Answer
Which deposit type is associated with a predetermined maturity date?
  1. A
    Ordinary Current Account
  2. B
    Fixed Deposit
  3. C
    Basic Savings Account
  4. D
    Cash Credit Account
Question 21Single Answer
A savings account balance is normally classified as a liability in the books of:
  1. A
    The deposit-taking bank
  2. B
    The Reserve Bank alone
  3. C
    The account holder
  4. D
    The merchant receiving payments
Question 22Single Answer
The main advantage of maintaining a current account for business operations is:
  1. A
    Guaranteed highest deposit interest
  2. B
    Automatic conversion of deposits into shares
  3. C
    Convenient handling of frequent business transactions
  4. D
    Exemption from all banking regulations
Question 23Single Answer
A person who cannot independently operate an account due to minority may ordinarily open one:
  1. A
    Through a guardian, subject to bank rules
  2. B
    Without any banking regulations
  3. C
    Only in a foreign bank
  4. D
    Only after turning 25
Question 24Single Answer
What is the meaning of 'minimum balance' in a bank account?
  1. A
    The highest possible interest payment
  2. B
    The maximum cash withdrawal permitted annually
  3. C
    The balance a bank requires to be maintained under the applicable account terms
  4. D
    The compulsory annual loan repayment
Question 25Single Answer
Which institution is responsible for providing deposit insurance for eligible bank deposits in India?
  1. A
    DICGC
  2. B
    NABARD
  3. C
    SEBI
  4. D
    IRDAI

General English

Question 26Single Answer
I go to Madurai by —– Vaigai Express
  1. A
    a
  2. B
    an
  3. C
    some
  4. D
    the
Question 27Single Answer
Have the car stolen!
  1. A
    Steal the car
  2. B
    You should have the stolen car
  3. C
    Get someone to steal the car
  4. D
    They have stolen the car
Question 28Single Answer
The payment was collected by the hardworking salesman.
  1. A
    The hardworking salesman collected the payment.
  2. B
    the salesman who worked heard was able to collect the payment.
  3. C
    to collect the payment the salesman had to work hard.
  4. D
    The hardworking salesman was able to collect the payment.
Question 29Single Answer
I had to stop all my work to complete this project.
  1. A
    All other work had to be stopped to complete this project by me
  2. B
    For completing this project all other work must be stopped
  3. C
    For completing this project I had to stop all my work
  4. D
    To complete this project all other work had been stopped by me
Question 30Single Answer
They have published the names of all the successful candidates.
  1. A
    The candidates who have succeeded their names they had published.
  2. B
    The names of all the successful candidates have been published by them
  3. C
    The candidates who have succeeded their names have been published by them.
  4. D
    The names of all the successful candidate were published by them. 
Question 31Single Answer
The online shopping site lowered the prices.
  1. A
    Lowering of the prices was done by the online shopping site
  2. B
    The prices were lowered by the online shopping site
  3. C
    The prices had been lowered by the online shopping site
  4. D
    The prices have been lowered by the online shopping site
Question 32Single Answer
Who taught you to drive a truck ?
  1. A
    To drive a truck by whom were you taught?
  2. B
    Driving a truck by who were you taught?
  3. C
    Driving a truck by who were you being taught?
  4. D
    By whom were you taught to drive a truck?
Question 33Single Answer
We shall invite Suresh.
  1. A
    Suresh would be invited by us
  2. B
    Suresh would have been invited by us
  3. C
    Suresh will be invited by us
  4. D
    Suresh will have been invited by us
Question 34Single Answer
Dark clouds have overcast the evening sky.
  1. A
    By the dark clouds the evening sky was overcast.
  2. B
    The evening sky has been overcast by the dark clouds.
  3. C
    Dark clouds overcastted the evening sky.
  4. D
    The sky of the evening was overcasted by dark clouds.
Question 35Single Answer
The partners will celebrate their triumph tomorrow. 
  1. A
    The triumph would be celebrated by the partners a day before
  2. B
    The triumph would be celebrated by the partners a day after
  3. C
    The triumph would have been celebrated by the partners a day after
  4. D
    The triumph will have been celebrated by the partners tomorrow
Question 36Single Answer
Passage :
Direction :  Question below has two blanks, each blank indicting that some thing has been omitted. Choose the word for each blank which best fits the meaning of the sentence as a whole.
The Finance Department has ……………a centralized online databank system for all statutory government bodies to …………an eye on their assets and liabilities.
  1. A
     presented , stay
  2. B
    introduced , keep
  3. C
    announce , make
  4. D
    created , let
  5. E
    proclaimed , hold
Question 37Single Answer
Passage :
Direction : The five items in this section consists of a word or group of words followed by four words as (a), (b), (c) and (d). Select the word which is nearly opposite to the meaning of the original word or group of words and mark your response as (a), (b), (c) and (d), as the case may be, in your Answer Sheet.
Assets
  1. A
    liabilities
  2. B
    responsibilities
  3. C
    estates
  4. D
    profits
Question 38Single Answer
Passage :
Direction : In the question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Affidavit
  1. A
     Affirmation
  2. B
    Slander
  3. C
    Oath
  4. D
    Testimony
Question 39Single Answer
Passage :
Direction: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Hollow
  1. A
    Alveolate
  2. B
    Cleft
  3. C
     Cavernous
  4. D
    Solid
Question 40Single Answer
Passage :
Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Cosset 
  1. A
    Ignoreb
  2. B
    Close
  3. C
    Caress
  4. D
    Fondle
Question 41Single Answer
Passage :
Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Ogle
  1. A
    Leer
  2. B
    Gaze
  3. C
    Ignore
  4. D
    Gawk
Question 42Single Answer
Passage :
Directions:In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Intrinsic
  1. A
    Elemental
  2. B
    Innate
  3. C
    Connate
  4. D
    Acquired
Question 43Single Answer
Passage :
Direction : In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Coalesce
  1. A
    Separate
  2. B
    Adhere
  3. C
    Cleave
  4. D
    Amalgamate
Question 44Single Answer
Passage :
Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Loiter
  1. A
    lag 
  2. B
    Hasten
  3. C
    Amble
  4. D
    Loii
Question 45Single Answer
Passage :
Direction : Question below has two blanks, blank indicating that something has been omitted. Choose the set of words for blank which best fits the meaning of the sentence as a whole.
The protests were......... at ......... awareness among the elite and the educated.
  1. A
    held, generating
  2. B
    aimed, creating
  3. C
    targeted, awakening
  4. D
    focused, building
  5. E
    concentrated, producing
Question 46Single Answer
Passage :
Directions:In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Deep-seated
  1. A
    Chronic
  2. B
    Temporary
  3. C
    inbred
  4. D
    Subconscious
Question 47Single Answer
Passage :
Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Vibrant
  1. A
    Drab
  2. B
    Gaudy
  3. C
    Jazzy
  4. D
    Vivid
Question 48Single Answer
Passage :
Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
To scowl 
  1. A
    To glower
  2. B
    To smirk
  3. C
    To Grimace
  4. D
    To grin
Question 49Single Answer
Passage :
In the following questions, one part of the sentence may have an error. Find out which part of the sentence has an error .
I used (A)/ a pair of black trousers (B) / for a week (C)/ No error (D)
  1. A
    A
  2. B
    B
  3. C
    C
  4. D
    D
Question 50Single Answer
Passage :
Direction: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it
Atheist
  1. A
    Skeptic
  2. B
    Pagan
  3. C
    Disciple
  4. D
    Agnostic
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