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Question Bank

Question for PDCC Bank Clerk - Quiz / Questions / MCQ in English

Last Update on : October 11, 2026

Duration: 120 · Questions: 90 · Max Marks: 90

View Pune DCC Bank Clerk 2026 Exam Page

To boost your performance in PDCC Bank Clerk exam, practice each question regularly and with focus. Every question tests your subject understanding, so solve them one at a time. Taking a quiz improves your speed and accuracy. Practicing topic-wise MCQs. Students benefit greatly from reviewing questions with answer keys, which help clarify concepts and strengthen Questions knowledge for success in PDCC Bank Clerk exams.

Latest PDCC Bank Clerk Exam Question (Objective Questions), MCQ in English

Subjects : Banking & Cooperation, General Knowledge & Current Affairs, Agriculture and Rural Economy, Marathi Language Test, Computer and Information Technology, IQ Test

Question Bank PDCC Bank Clerk Exam - English

Banking & Cooperation

Q 1 :
Which if the following is TRUE about the meaning of a bank?
  1. A.It is a financial establishment
  2. B.It acts like a financial intermediary
  3. C.It accepts deposits from the public 
  4. D.It provides safe locker facility
  5. E.All the above
Q 2 :
Which of the following is NOT true about the functioning of a bank ?
  1. A.A bank should always add the word “bank” to its name.
  2. B.They include general utility services and agency services.
  3. C.A bank is a non-profit organization having service oriented approach.
  4. D.A bank acts as a connecting link between borrowers and lenders of money.
  5. E.A bank lends out money in the form of loans to those who require it for different purposes.
Q 3 :
Which of the following is NOT a banking service?
  1. A.Issuance of debit and credit cards
  2. B.Providing safe custody of valuable items 
  3. C.ATM services
  4. D.Provision for higher interest rates to the accounts held by women
  5. E.Online transfer of funds across the globe
Q 4 :
The definition of Banking is given in which of the following ACTs?
  1. A.Negotiable Instrument Act 1881
  2. B.Reserve Bank of India (RBI) Act 1934
  3. C.Banking Regulation Act 1949
  4. D.Company Act 1956
  5. E.None of the above
Q 5 :
Banks in India are regulated by :
  1. A.The Reserve Bank of India Act,1934
  2. B.The Banking regulation Act,1949
  3. C.The Reserve Bank of India (Amendment and Misc. Provisions) Act, 1953
  4. D.The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980
  5. E.None of the above
Q 6 :
is the primary function of a bank?
  1. A.To provide insurance
  2. B.To accept deposits and make loans
  3. C.To invest in the stock market
  4. D.To manage real estate
Q 7 :
type of bank primarily deals with individuals and small businesses?
  1. A.Commercial bank
  2. B.Central bank
  3. C.Investment bank
  4. D.Cooperative bank
Q 8 :
is a central bank?
  1. A.A bank that offers loans to small businesses
  2. B.A financial institution that manages a country’s currency and monetary policy
  3. C.A bank that operates on a cooperative model
  4. D.A bank that provides international services
Q 9 :
is a fixed deposit?
  1. A.A deposit that can be withdrawn anytime
  2. B.A long-term deposit that earns a fixed interest rate
  3. C.A type of loan
  4. D.A deposit used for daily transactions
Q 10 :
of the following is NOT a function of banks?
  1. A.Issuing currency
  2. B.Providing loans
  3. C.Conducting trade
  4. D.Safekeeping of valuables
Q 11 :
is meant by ‘liquidity’ in banking?
  1. A.The ability to convert assets into cash quickly
  2. B.The amount of deposits in a bank
  3. C.The profit earned by the bank
  4. D.The loans given by the bank
Q 12 :
type of bank primarily engages in underwriting and advisory services?
  1. A.Commercial bank
  2. B.Central bank
  3. C.Investment bank
  4. D.Cooperative bank
Q 13 :
of the following is a feature of a savings account?
  1. A.Higher interest rates than fixed deposits
  2. B.Limited withdrawals
  3. C.Interest earned on the balance
  4. D.No access to funds
Q 14 :
bank is responsible for regulating the money supply and interest rates in an economy?
  1. A.Commercial bank
  2. B.Cooperative bank
  3. C.Central bank
  4. D.Investment bank
Q 15 :
does the term ‘NPA’ stand for in banking?
  1. A.Non-Performing Asset
  2. B.National Payment Authority
  3. C.Non-Personal Account
  4. D.National Bank Association
Q 16 :
type of bank is owned and operated by its members?
  1. A.Commercial bank
  2. B.Investment bank
  3. C.Cooperative bank
  4. D.Central bank
Q 17 :
is the primary purpose of a commercial bank?
  1. A.To provide agricultural loans
  2. B.To facilitate international trade
  3. C.To make profit through interest on loans and fees
  4. D.To promote cooperative movements
Q 18 :
type of account typically offers higher interest rates but has limited access to funds?
  1. A.Current account
  2. B.Savings account
  3. C.Fixed deposit account
  4. D.Recurring deposit account
Q 19 :
of the following is a primary source of income for banks?
  1. A.Service fees
  2. B.Interest on loans
  3. C.Investments in stocks
  4. D.All of the above
Q 20 :
is the main role of a bank manager?
  1. A.To lend money
  2. B.To manage the bank's operations and ensure profitability
  3. C.To supervise customers
  4. D.To train new employees
Q 21 :
banking term refers to the risk of a borrower not repaying a loan?
  1. A.Liquidity risk
  2. B.Interest rate risk
  3. C.Credit risk
  4. D.Market risk
Q 22 :
type of bank provides financial services to government agencies?
  1. A.Commercial bank
  2. B.Investment bank
  3. C.Central bank
  4. D.Cooperative bank
Q 23 :
of the following best describes a current account?
  1. A.Offers no interest
  2. B.Suitable for regular transactions
  3. C.Can be overdrawn
  4. D.All of the above
Q 24 :
is ‘banking fraud’?
  1. A.A legitimate banking transaction
  2. B.Illegal activities to gain unauthorized access to bank funds
  3. C.A term for loan default
  4. D.A type of bank regulation
Q 25 :
regulatory body oversees commercial banks in most countries?
  1. A.International Monetary Fund (IMF)
  2. B.Reserve Bank
  3. C.World Bank
  4. D.Securities Exchange Commission
Q 26 :
is the primary objective of a cooperative bank?
  1. A.To maximize profits
  2. B.To serve the needs of its members
  3. C.To operate internationally
  4. D.To provide insurance services
Q 27 :
does the term ‘overdraft’ mean?
  1. A.A loan taken from a bank
  2. B.An account that exceeds its limit
  3. C.A type of deposit
  4. D.A withdrawal without sufficient funds
Q 28 :
financial service is typically offered by banks to help individuals save for future needs?
  1. A.Loans
  2. B.Mortgages
  3. C.Savings accounts
  4. D.Investment portfolios
Q 29 :
is the primary function of an investment bank?
  1. A.Accepting deposits
  2. B.Offering personal loans
  3. C.Underwriting and issuing securities
  4. D.Managing savings accounts
Q 30 :
type of bank specializes in providing credit to small and medium-sized enterprises (SMEs)?
  1. A.Commercial bank
  2. B.Development bank
  3. C.Central bank
  4. D.Cooperative bank

General Knowledge & Current Affairs

Q 31 :
Yojna a weekly journal
  1. A.Ministry of Finance        
  2. B.Ministry of Information and Broadcastin
  3. C.Ministry of Rural Development
  4. D.Planning Commission
Q 32 :
Kurukshetra a journal on rural development is published by
  1. A.Ministry of Finance 
  2. B.Ministry of Information and Broadcastin
  3. C.Ministry of Rural Development
  4. D.Planning Commission
Q 33 :
In ruby laser, the stimulated emission is due to transition from
  1. A.metastable state to any lower state
  2. B.any higher state of lower state
  3. C.metastable state to ground state
  4. D.any higher state to ground state
Q 34 :
10-6 M NaOH is diluted 100 times. The pH of the diluted base is
  1. A.between 7 and 8
  2. B.between 5 and 6
  3. C.between 6 and 7
  4. D.between 10 and 11
Q 35 :
The respiratory quotient during cellular respiration would depend on
  1. A.the nature of enzymes involved
  2. B.the nature of the substrate
  3. C.the amount of carbon dioxide released
  4. D.the amount of oxygen utilised
Q 36 :
On which date is Maharashtra Day celebrated ?
  1. A.May 1
  2. B.May 2
  3. C.May 3
  4. D.May 4
Q 37 :
On which date is Shivaji Maharaj's birth anniversary celebrated ?
  1. A.February 19
  2. B.February 20
  3. C.February 2
  4. D.February 22
Q 38 :
On which date is Chhatrapati Shivaji Maharaj Jayanti celebrated ?
  1. A.February 19
  2. B.February 20
  3. C.February 21
  4. D.February 22
Q 39 :
On which date is Dr. Babasaheb Ambedkar Jayanti celebrated ?
  1. A.April 14
  2. B.April 15
  3. C.April 16
  4. D.April 17
Q 40 :
On which date is Maharashtra Rajya Sthapana Divas celebrated ?
  1. A.May 1
  2. B.May 2
  3. C.May 3
  4. D.May 4
Q 41 :
Which country holds the BRICS Chairmanship in 2026?
  1. A.Brazil
  2. B.Russia
  3. C.China
  4. D.India
Q 42 :
What is the theme of India’s BRICS Chairmanship 2026?
  1. A.Inclusive Growth for All
  2. B.Sustainable Global Economy
  3. C.One Earth One Future
  4. D.Building for Resilience, Innovation, Cooperation and Sustainability
Q 43 :
Where was the BRICS Foreign Ministers' Meeting held in May 2026?
  1. A.Mumbai
  2. B.Hyderabad
  3. C.Bengaluru
  4. D.New Delhi
Q 44 :
Which summit on Artificial Intelligence was hosted by India in February 2026?
  1. A.World AI Congress
  2. B.AI Action Summit
  3. C.India AI Impact Summit 2026
  4. D.Global AI Forum
Q 45 :
Where was the India AI Impact Summit 2026 organized?
  1. A.Pragati Maidan, Delhi
  2. B.Vigyan Bhawan, New Delhi
  3. C.Bharat Mandapam, New Delhi
  4. D.Hyderabad International Convention Centre
Q 46 :
Which ministry organized the India AI Impact Summit 2026?
  1. A.Ministry of Science and Technology
  2. B.Ministry of Electronics and Information Technology
  3. C.Ministry of Commerce
  4. D.Ministry of Education
Q 47 :
Which city is expected to host the G20 Summit 2026?
  1. A.New York
  2. B.Washington D.C.
  3. C.Miami
  4. D.Los Angeles
Q 48 :
Which country is scheduled to host the BRICS Summit 2026?
  1. A.China
  2. B.India
  3. C.South Africa
  4. D.Brazil
Q 49 :
Which country is expected to host COP31 Climate Summit 2026?
  1. A.France
  2. B.UAE
  3. C.Germany
  4. D.Turkey
Q 50 :
Which city hosted the Regional AI Impact Conference 2026?
  1. A.Chennai
  2. B.Jaipur
  3. C.Pune
  4. D.Kochi

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