Important MCQ Question For Upcoming IBPS Exam

01. What is the name given to the library of related functions that are not loaded into memory until they are called by the application program?
[A] DML
[B] DLL
[C] DCL
[D] All of the Above
Correct Answer: B 

02. Where is the headquarter of Bharatiya Reserve Bank Note Mudran Private Limited located?
[A] Chennai
[B] New Delhi
[C] Hyderabad
[D] Bangalore
Correct Answer: D

03. Who regulates the District Central Cooperative Banks in India?
[A] RBI
[B] State Government
[C] Central Government
[D] SEBI
Correct Answer: A

04. Which of these is a Financial Inclusion scheme that was launched in 2014?
[A] Pradhan Mantri Sampada Yojna
[B] Bharat Nirman
[C] Pradhan Mantri Jan Dhan Yojana
[D] All of the above
Correct Answer: C

05. What is the banking, where all banking operations are online, known as?
[A] Virtual Banking
[B] Retail Banking
[C] Mixed Banking
[D] Social Banking
Correct Answer: A

06. What is the name given to the computing infrastructure close to the sources of data?
[A] Edge Computing
[B] Embedded Computing
[C] Encrypted Computing
[D] None of the Above
Correct Answer: A

07. Which one of the following sends data packets to all devices on a network regardless of any MAC addresses?
[A] Host Server
[B] Switch
[C] Hub
[D] Central Server
Correct Answer: C
 
08. A digital computer processes information in which form?
[A] Continuous form
[B] Discrete form
[C] Semi-Continuous form
[D] Semi-discrete form
Correct Answer: B

09. Who had designed ENIAC?
[A] Gladeon Bames
[B] Herman Goldstine
[C] Betty Snyder
[D] John Mauchly
Correct Answer: D

10. Which of the following devices usually come with touchscreens?
[A] Nintendo Game Consoles
[B] Electronic Voting Machines
[C] Point of Sale Systems
[D] All of the above
Correct Answer: D

11. Which one of the following routers sits on the periphery of the network?
[A] Core Router
[B] Access Router
[C] Edge Router
[D] Both b and c
Correct Answer: D 

12. Which of the following languages are directly executable by a computer’s CPU?
[A] Machine Language
[B] High Language
[C] Assembly Language
[D] Second generation Language
Correct Answer: A

13. A network that is connected to the Internet, but uses encryption to scramble all the data sent through the Internet is called ?
[A] My network
[B] Virtual Private Network
[C] Social Network
[D] None of the above
Correct Answer: B
Notes:
A virtual private network (VPN) extends a private network across a public network, and enables users to send and receive data across shared or public networks as if their computing devices were directly connected to the private network. Applications running on a computing device, e.g., a laptop, desktop, smartphone, across a VPN may therefore benefit from the functionality, security, and management of the private network. Encryption is a common, though not an inherent, part of a VPN connection.
14. Structured programming languages such as C, COBOL and FORTRAN were used in which of the following computers?
[A] First Generation Computers
[B] Second Generation Computers
[C] Third Generation Computers
[D] Fourth Generation Computers
Correct Answer: C

15. Which of the following generation of computers is associated with artificial intelligence?
[A] First
[B] Third
[C] Fifth
[D] Seventh
Correct Answer: C

16. The terms Goodput, Throughput and Maximum throughput are most closely associated with which among the following in computers?
[A] Bit Rate
[B] Response Time
[C] Command Line Interface
[D] Random memory
Correct Answer: A

17. What do we call an input/output device on a computer, reserved for communication between the computer operator or maintenance engineer and the computer?
[A] EDP Device
[B] Console
[C] Jokey
[D] Link Device
Correct Answer: B

18. For his major role in the development of computer chip ‘Pentium’, which Indian IT expert is called the ‘Father of Pentium’ ?
[A] Ajay Bhatt
[B] Anand Chandrasekher
[C] Vinod Dham
[D] Biswamohan Pani
Correct Answer: C

19. V-RAM is used for access of the following?
[A] Video & Graphics
[B] Text & Images
[C] programs
[D] None of the above
Correct Answer: A
Notes:
V-Ram is also known as video Ram. It is a dual ported variant of dynamic RAM. VRAM is basically RAM integrated in a card for using it for storing graphical textures, 3D models temporary. It is used for video access and graphics.
20. The word bandwidth is also used to mean ________?
[A] width of the data cable
[B] amount of data transferred
[C] number of the computers on a particular network
[D] none of the above
Correct Answer: B

21. What is the name of the digital circuit that performs arithmetic and logical operations in computers?
[A] Arithmetic Logic Unit
[B] Digital comparator
[C] Multiplexer
[D] None of these
Correct Answer: A
Notes:
An arithmetic-logic unit (ALU) is the part of the circuit that performs Arithmetic nad logical operations. It is the part of a computer processor (CPU). In some processors, the ALU is divided into two units, an arithmetic unit (AU) and a logic unit (LU).
22. Who had proposed the principle of modern computer in his 1936 paper?
[A] Alan Turing
[B] Geoff Tootill
[C] Ferranti Mark
[D] Grace Hopper
Correct Answer: A 

23. Which of the following is not an arithmetic capability of a computer?
[A] Addition and Subtraction
[B] Calculation
[C] Copy and Paste
[D] All of the above
Correct Answer: C

24. How are registers measured?
[A] Number of programs
[B] Number of bits
[C] Number of Occurence
[D] Number of reference points
Correct Answer: B

25. Which of the following is / are operating systems?
[A] Windows
[B] UNIX
[C] Linux
[D] All of the above
Correct Answer: D

26. Who had developed a computer named “Woz” described as the hacker’s hacker?
[A] Steve Wozniack
[B] Ed Roberts
[C] Steve Jobs
[D] Federico Faggin
Correct Answer: A 

27. Which among of the following was the world’s first electronic stored-program computer?
[A] Colossus
[B] ENIAC
[C] Manchester Baby
[D] EDVAC
Correct Answer: C

28. Which of the following is responsible for the fixed disk error?
[A] Slow RAM
[B] Slow Processor
[C] Incorrect CMOS settings
[D] None of the Above
Correct Answer: C

29. Which of the following is a Text-based user interface?
[A] GNOME
[B] KDE
[C] Aqua
[D] Command-line interface
Correct Answer: D

30. In which computer was magnetic core memory first demonstrated?
[A] Manchester baby
[B] Ferranti I
[C] IBM 650
[D] Whirlwind Computer
Correct Answer: D

31. EDVAC was one of the earliest electronic computers. What is its full form?
[A] Electronic Diverse Variable Automatic Computer
[B] Electronic Digital Variable Automatic Computer
[C] Electronic Data Variable Automatic Computer
[D] Electronic Discrete Variable Automatic Computer
Correct Answer: D

32. How do the Analog computers perform arithmetic operations?
[A] With the help of Non-Measurable quantities
[B] With the help of Measurable quantities
[C] Both 1 and 2
[D] None of the above
Correct Answer: B

33. An analog computer uses an analog signal which is usually represented as what?
[A] Sine Wave
[B] Sine Curve
[C] Bell curve
[D] Cos Wave
Correct Answer: A

34. Which of the following are examples of an analog signal?
[A] Sound via an electrified copper wire
[B] Human Speech via an electrified copper wire
[C] Light
[D] Both 1 and 2
Correct Answer: D 

35. Which of the following models of processing has the master/slave architecture as a feature?
[A] Distributed memory processing
[B] Shared memory processing
[C] Symmetric multi processing
[D] None of the Above
Correct Answer: B

36. There is a situation when BIOS cannot read the partition table information. What is the name given to such an error?
[A] Hard Drive crash
[B] Drive cannot be recovered
[C] Bad RAM
[D] Invalid drive or drive specification
Correct Answer: D
 
37. Which of the following civilization is considered to be the origin of Factoring?
[A] Indus Valley Civilization
[B] Mesopotamian culture
[C] Incas Civilization
[D] Aztecs Civilization
Correct Answer: B [Mesopotamian culture]

38. Which of the following acts regulates the underwriting process in India?
[A] RBI Act 1934
[B] Securities and Exchanges Board of India (Underwriters) Regulations, 1993.
[C] Securities and Exchange Board of India (Underwriters) (Amendment) Regulations, 2006
[D] Both b and c
Correct Answer: D

39. Which one of the following is known as the father of Leasing Financing in India?
[A] C.R Pachauri
[B] Nandan Nilekani
[C] Farouk Irani
[D] A C Muthia.
Correct Answer: C

40. Till when the RBI served as the central bank of Pakistan?
[A] August 1947
[B] January 1950
[C] June 1948
[D] November 1949
Correct Answer: C

41. An assembler is a program that converts assembly language into machine code. Which of the following is not a type of assembler ?
[A] One pass
[B] Two pass
[C] Load and Go
[D] Three pass
Correct Answer: D

42. What is the name given to the application which only runs on one platform, increasing the desirability of that platform?
[A] Standalone App
[B] Single Platform App
[C] Killer App
[D] All of the Above
Correct Answer: C

43. What is a Headless Software?
[A] It is a software used without license.
[B] It is an open source software.
[C] It is a software working on a device without GUI.
[D] Both b and c
Correct Answer: C 
 
44. Which of the following are examples of analog computer?
[A] Resistance of a Capacitor
[B] Signal Frequency
[C] Voltage
[D] All of the above
Correct Answer: D 
 
45. How many pins are there on a Video Graphics Array connector?
[A] 12
[B] 13
[C] 15
[D] 16
Correct Answer: C

46. Keyboard Layouts are available in many scripts. Which of the following are of the Latin Scripts?
[A] Devorak
[B] Colemark
[C] JCUKEN
[D] All of the Above
Correct Answer: D

47. Which of the following softwares is used to drive microprocessor-based systems?
[A] Firmware
[B] Assembly Language Program
[C] Flowchart Instructions
[D] Basic Interpreter Instructions
Correct Answer: B

48. What are four basic functional elements of a digital computer?
[A] Input-Output Equipment
[B] Main Memory
[C] Control Unit and ALU
[D] All of the above
Correct Answer: D
Notes:
A digital computer system has four basic functional elements like the input-output equipment, main memory, control unit and the arithmetic logic unit.
49. What controlled the data-processing operations in the Harvard Mark I?
[A] Electric relays
[B] Memory
[C] Switching Devices
[D] Both 1 and 3
Correct Answer: D 

50. Personal computers in the 2010s have access to which of the following kinds of softwares?
[A] Freeware
[B] Free and Open Source Software
[C] Commercial Software
[D] All of the above
Correct Answer: D

51. Which of the following acts specifically exempts computer-maintenance activities, so copies of copyright files may be made in the course of maintenance provided that they are destroyed afterwards?
[A] The infringement act
[B] The Digital Millennium Copyright Act
[C] Intellectual Property Rights Act
[D] All of the Above
Correct Answer: B

52. Which of the following is the another term used for Software hosting?
[A] Cloud computing
[B] On demand service
[C] Software as a service or Saas
[D] All of the Above
Correct Answer: D

53. Who among the following is the father of MySQL?
[A] Charles Babbage
[B] Michael Wideneus
[C] Allen Jobs
[D] Madam Kama
Correct Answer: B

54. Which of the following represents Latency?
[A] propagation time +transmission time +queuing time + processing delay
[B] propagation time – transmission time +queuing time + processing delay
[C] propagation time +transmission time +queuing time – processing delay
[D] (propagation time +transmission time) – (queuing time + processing delay)
Correct Answer: A

55. In which year, the first bank of India “Bank of Hindustan” was established?
[A] 1870
[B] 1770
[C] 1795
[D] 1880
Correct Answer: B

56. In which year, Nationalization of Reserve Bank of India was done?
[A] 1947
[B] 1948
[C] 1949
[D] 1950
Correct Answer: C
Notes:
In 1949, the Government of India nationalized the Reserve Bank under the Reserve Bank (Transfer of Public Ownership) Act, 1948. From January 1, 1949, RBI started working as a government owned bank.
57. Who among the following has created the Logo of Aadhar Card?
[A] AtUl sudhakarrao pandey
[B] Nandan Nileknai
[C] R Chandra Shekhar
[D] None of the Above
Correct Answer: A

58. Which of the following are among the Credit Bureaus present in India?
[A] Equifax
[B] CRIF Highmark
[C] Credit Information Bureau India Limited
[D] All of the above
Correct Answer: D
Notes:
At Present, there are four credit bureaus in India-
(a) Credit Information Bureau (India) Limited (CIBIL)
(b) Equifax
(c) Experian
(d) CRIF Highmark
All these bureaus provide credit scores and allied reports and services. The bureaus are regulated by the RBI under the Credit Information Companies Regulation Act 2005.
59. FEMA was introduced in which of the following year?
[A] 1990
[B] 1989
[C] 1999
[D] 1991
Correct Answer: C

60. Which of the following are among the direct methods of exchange control in India?
[A] Intervention
[B] Exchange Restrictions
[C] Exchange Clearing Agreements
[D] All of the above
Correct Answer: D

61. Which position does India hold in Foreign Exchange Reserve?
[A] 7th
[B] 2nd
[C] 9th
[D] 3rd
Correct Answer: D

62. Who is the current head of Central Registry of Securitization Asset Reconstruction and Security Interest (CERSAI) ?
[A] Praveen Kumar Sharma
[B] Naveen Kumar Sharma
[C] Laxmi Niwas Mittal
[D] Nandan Nilekani
Correct Answer: A 
 
63. Which of the following is the software that resides on a single computer and does not interact with any other software installed in a different computer?
[A] Embedded Software
[B] Stand Alone Software
[C] Real time software
[D] All of the Above
Correct Answer: B

64. What is plan 9 form the Bell labs?
[A] It is a distributed operating system.
[B] The first official release was in 2015.
[C] Both a and b
[D] None of the Above
Correct Answer: C

65. Which of the following are real time operating system?
[A] VxWorks
[B] WindowsCE
[C] RTLinux
[D] All of the Above
Correct Answer: D 

66. What is the name given to the program capable of running on any computer regardless of the operating system?
[A] Applet
[B] Back-end
[C] Open source software
[D] All of the Above
Correct Answer: A 
 
67. Which of the following clearly defines venture capital?
[A] It is a fund provided to industries at times of incurring losses.
[B] It is a long-term start-up capital provided to new entrepreneurs.
[C] It is a fund provided for renovation of industries.
[D] It is a short-term capital.
Correct Answer: B

68. Which of the following are the ways to repay the personal loan?
[A] Equated Monthly Installments via Cheques
[B] Electronic Clearing Services
[C] Cash
[D] Both a and b
Correct Answer: D

69. How many Mutual Fund companies are there in India?
[A] 43
[B] 44
[C] 54
[D] 48
Correct Answer: A

70. Which of the following clearly define Direct Housing Finance?
[A] It refers to the finance provided to individuals or groups of individual including co-operative societies.
[B] It is channeled by the way of terms of loans to housing finance institutions, housing boards etc.
[C] Bank finance extended to a person who is already owning a house in the town of village.
[D] Both a and c
Correct Answer: D

71. Which of the following is the principle business carried out by NBFC?
[A] Hire purchasing finance
[B] Housing finance
[C] Investment and loan
[D] All of the above
Correct Answer: D 

72. In case of default, what is the minimum percent of additional interest is paid by issuer company?
[A] 15%
[B] 5%
[C] 2%
[D] 1%
Correct Answer: C

73. IPO issue management is also known as which of the following?
[A] Moving public
[B] Action public
[C] Going public
[D] None of the above
Correct Answer: C 

74. How many Banking Ombudsmen have been appointed?
[A] 20
[B] 10
[C] 15
[D] 18
Correct Answer: A

75. What is the full form of LRS?
[A] Liberty Remittance Scheme
[B] Liberalized Rupees Scheme
[C] Liberalized Remittance Scheme
[D] None of the above
Correct Answer: C

76. How much money can Residents of India tremit upto?
[A] $3,50,000
[B] $4,00,000
[C] $2,00,000
[D] $2,50,000
Correct Answer: D

77. How much Cash pay out can be transferred in India?
[A] Rs. 40,000/-
[B] Rs. 50,000/-
[C] Rs. 10,00,000/-
[D] Rs. 10,000/-
Correct Answer: B

78. What was the motive to bring the Payment and Settlement Systems Act, 2007 into being?
[A] to provide for the regulation and supervision of payment systems
[B] to designate RBI as the authority
[C] matters connected therewith or incidental thereto
[D] All of the above
Correct Answer: D

79. What does a “bank” means in Payment and Settlement Systems Act, 2007, unless the context otherwise requires?
[A] a bank included in the Second Schedule to the RBI Act
[B] a post office savings bank
[C] a banking company as defined in clause c of section 5, of the Banking Regulation Act
[D] all of the above
Correct Answer: D

80. What is a “Payment Obligation”?
[A] ontractual obligations of bank to pay an amount owed to another bank
[B] contractual obligations of a Person to pay an amount owed to another
[C] obligations of a Person to pay an amount distributed in a group
[D] none of the above
Correct Answer: B

81. The 0 in IFSC Code is placed in which of the following positiona of the 11 digit IFSC code?
[A] 3rd
[B] 7th
[C] 6th
[D] 5th
Correct Answer: D 

82. An EEFC account can be held only in the form of which of the following?
[A] Savings Bank Account
[B] Deposit Account
[C] Current Account
[D] None of the Above
Correct Answer: C

83. Which of the following is not true about Immediate Payment Service (IMPS)?
[A] To use IMPS, both the account holder and beneficiary needs to have Mobile Money Identifier (MMID).
[B] Internet Banking Account facilitates IMPS to transfer money to any account.
[C] The facility is provided by National Payments Corporation of India through its existing NFS switch.
[D] IMPS offers an instant, 24X7, interbank electronic fund transfer service through mobile phones.
Correct Answer: A 

84. The Australian Government recently announced that which animal could be declared as an endangered species?
[A] Kangaroo
[B] Koala
[C] Emu
[C] Lyrebird
Correct Answer: B 

85. Which famous international company is to release its original film named ‘The Banker’?
[A] Amazon
[B] Apple
[C] Netflix
[D] HBO
Correct Answer: B

86. The birth rate of which country fell to the lowest, since the founding of the country seven decades ago?
[A] India
[B] China
[C] United States
[D] Brazil
Correct Answer: B 

87. China’s Great Wall Motors (GWM) is set to acquire the manufacturing plant of which automobile company located in Maharashtra?
[A] General Motors
[B] Ford
[C] Volkswagen
[D] Toyota
Correct Answer: A

88. What is the official name of the virus outbreak from China, as per the World Health Organisation?
[A] COVID-19
[B] CORO-19
[C] n-COR -19
[D] NOVEL-19
Correct Answer: A 

89. Which country has recently developed a recovery-plasma to treat COVID-19 infected patients?
[A] India
[B] China
[C] Thailand
[D] Japan
Correct Answer: B

90. Suella Braverman, an Indian-origin minister recently sworn in as the Attorney General of which country?
[A] United States
[B] United Kingdom
[C] New Zealand
[D] Finland
Correct Answer: B

91. Which European country recently imposed a record 1.1 billion euro fine on tech-firm Apple for its anti-competitive behaviour?
[A] Germany
[B] France
[C] Italy
[D] Spain
Correct Answer: B 

92. Which country has been confirmed as the first co-chair of the Governing Council on the Coalition for Disaster Resilient Infrastructure (CDRI), led by India?
[A] Australia
[B] United Kingdom
[C] South Africa
[D] Argentina
Correct Answer: B 

93. Which country has recently approved a sale of anti-ship missiles and torpedoes worth USD 155 million to India?
[A] Israel
[B] France
[C] United States
[D] Russia
Correct Answer: C 

94. In which year, the first bank of India “Bank of Hindustan” was established?
[A] 1870
[B] 1770
[C] 1795
[D] 1880
Correct Answer: B [ 1770 ]

95. In which year, Nationalization of Reserve Bank of India was done?
[A] 1947
[B] 1948
[C] 1949
[D] 1950
Correct Answer: C 

96. Who among the following has created the Logo of Aadhar Card?
[A] AtUl sudhakarrao pandey
[B] Nandan Nileknai
[C] R Chandra Shekhar
[D] None of the Above
Correct Answer: A

97. Which of the following are among the Credit Bureaus present in India?
[A] Equifax
[B] CRIF Highmark
[C] Credit Information Bureau India Limited
[D] All of the above
Correct Answer: D
Notes:
At Present, there are four credit bureaus in India-
(a) Credit Information Bureau (India) Limited (CIBIL)
(b) Equifax
(c) Experian
(d) CRIF Highmark
All these bureaus provide credit scores and allied reports and services. The bureaus are regulated by the RBI under the Credit Information Companies Regulation Act 2005.
98. FEMA was introduced in which of the following year?
[A] 1990
[B] 1989
[C] 1999
[D] 1991
Hide AnswerCorrect Answer: C

99. Which of the following are among the direct methods of exchange control in India?
[A] Intervention
[B] Exchange Restrictions
[C] Exchange Clearing Agreements
[D] All of the above
Correct Answer: D

100. Which position does India hold in Foreign Exchange Reserve?
[A] 7th
[B] 2nd
[C] 9th
[D] 3rd
Correct Answer: D