Q.You hold account in Bank of India, Vadodara. Draft a letter of complaint to the manager regarding indecent behaviour of the employee of the bank, with you.
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A public issue proceeds through a defined sequence: internal Board and shareholder approval of the decision to raise capital; appointment of merchant bankers, registrars, bankers to the issue, and underwriters, and compliance with SEBI's Issue of Capital and Disclosure Requirements regulations; preparation and filing of a prospectus containing the disclosures Section 26 of the Companies Act, 2013 requires, with civil and criminal liability under Sections 34 and 35 for any untrue statement in it; opening of the issue and receipt of applications and application money through the bankers to the issue, held in a separate bank account under Section 40; and, after the issue closes, finalisation of allotment, filing of the return of allotment with the Reg …
A formal complaint letter from an account holder to the Branch Manager of Bank of India, Vadodara, about an employee's indecent behaviour, requesting enquiry and action. Full specimen below. Specimen Letter — Complaint about indecent behaviour of a bank employee From, Rameshbhai Patel, 12, Alkapuri Society, Vadodara – 390 007. Date: 15th March, 2026 To, The Branch Manager, Bank of India, Alkapuri Branch, Vadodara. Subject: Complaint regarding indecent behaviour of a bank employee. Respected Sir, I am holding a Savings Bank Account No. 1234567890 in your branch for the last five years, and I have always received good service so far. I regret to bring to your notice that on 12th March, 2026, when I visited the branch to update my passbook and make an enquiry about a fixed deposit, the concerned counter employee behaved with me in a very rude and indecent manner. He used improper language, did not attend to my query properly, and misbehaved with me in the presence of other customers. This has caused me deep embarrassment and mental distress. Such behaviour is not expected from a reputed bank like yours. I, therefore, request you to kindly make an enquiry into this matter and take suitable action against the employee concerned, so that t …
A formal complaint letter from an account holder to the Branch Manager of Bank of India, Vadodara, about an employee's indecent behaviour, requesting enquiry and action. Full specimen below.
Specimen Letter — Complaint about indecent behaviour of a bank employee
From,
Rameshbhai Patel,
12, Alkapuri Society,
Vadodara – 390 007.
Date: 15th March, 2026
To,
The Branch Manager,
Bank of India,
Alkapuri Branch,
Vadodara.
Subject: Complaint regarding indecent behaviour of a bank employee.
Respected Sir,
I am holding a Savings Bank Account No. 1234567890 in your branch for the last five years, and I have always received good service so far.
I regret to bring to your notice that on 12th March, 2026, when I visited the branch to update my passbook and make an enquiry about a fixed deposit, the concerned counter employee behaved with me in a very rude and indecent manner. He used improper language, did not attend to my query properly, and misbehaved with me in the presence of other customers. This has caused me deep embarrassment and mental distress.
…
Showing the 12 most recent of 14 on this concept.
- CBSE 2026Set MARCH1 markMCQQ.In Bank correspondence which of the following things is mentioned when secrecy is to be maintained?(a) (A) Punctuality(b) (B) Financial(c) (C) Name and Address(d) (D) Account Number
›Reveal solutionSolution
In bank correspondence, when secrecy is to be maintained, the customer's Account Number is quoted instead of the name and address — the correct option is (D).
Banks are duty-bound to maintain the secrecy of a customer's account and transactions. In routine bank correspondence (statements, intimations, confirmations), the bank therefore refers to the customer by a coded reference — the account number — rather than by openly writing the full name and address, which would reveal identity to anyone handling the letter.
- Punctuality and financial standing are qualities discussed in other contexts, not markers of secrecy.
- Name and address, if quoted, would defeat secrecy. …
- CBSE 2026Set MARCH1 markMCQQ.With which organisation is correspondence carried out to get adequate water-supply in big cities?(a) (A) State Government(b) (B) Municipal Corporation(c) (C) Gram Panchayat(d) (D) Central Government
›Reveal solutionSolution
Water supply in big cities is a duty of the local self-government body, so the correspondence is carried out with the Municipal Corporation — the correct option is (B).
Basic civic amenities within a city — water supply, drainage, roads, street lighting and sanitation — are provided by the local self-government body. In large cities this body is the Municipal Corporation.
- Gram Panchayat looks after villages, not big cities. …
- CBSE 2026Set MARCH1 markMCQQ.Which type of an insurance policy allows claim of insured amount after death of the insured person to the nominee/assignee?(a) (A) Whole-life Insurance Policy(b) (B) Term Insurance Policy(c) (C) General Insurance Policy(d) (D) Third-party Insurance Policy
›Reveal solutionSolution
A Whole-life Insurance Policy pays the insured amount to the nominee or assignee after the death of the insured — the correct option is (A).
A whole-life policy covers the person for the whole of life; the sum assured together with bonus is payable to the nominee or assignee on the death of the life-insured. The claim therefore arises after death and goes to the nominee/assignee.
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- CBSE 2026Set MARCH1 markMCQQ.Which number of the bank is to be given for RTGS to transfer the amount in the account of the customer?(a) (A) Mobile(b) (B) Phone(c) (C) PIN(d) (D) IFSC
›Reveal solutionSolution
To transfer money by RTGS into a customer's account, the bank's IFSC is required — the correct option is (D).
RTGS (Real Time Gross Settlement) is an electronic fund-transfer system for large amounts, settled transaction-by-transaction in real time. To route the money correctly the sender must quote the beneficiary bank branch's IFSC — the Indian Financial System Code — an 11-character code that uniquely identifies the branch in the payment network, along with the beneficiary account …
- CBSE 2026Set MARCH1 markMCQQ.Who should be at the centre of presentation?(a) (A) Attendees(b) (B) Officers(c) (C) Leaders(d) (D) Presenters
›Reveal solutionSolution
In an effective presentation the attendees (audience) are kept at the centre — the correct option is (A).
The purpose of a presentation is to communicate with and convince the audience. Therefore the audience — the attendees — must be at the centre of planning: their level of knowledge, needs, expectations and interest decide the content, language and style of the presentation.
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- CBSE 2026Set MARCH1 markQ.What are the main types of insurance?
›Reveal solutionSolution
Insurance is mainly of two types — Life Insurance and General (Non-life) Insurance.
Insurance is a contract in which the insurer agrees to compensate the insured against a specified loss in return for a premium. The main types are:
- Life Insurance: covers the life of a person; the sum assured is paid on death or on maturity (e.g. whole-life, endowment, term policies).
- General (Non-life) Insurance: covers loss or damage to property and liability. It includes:
- Fire insurance (loss by fire),
- Marine insurance (loss of ship/cargo at sea), …
- CBSE 2026Set MARCH1 markQ.What is the mode of payment in E-booking?
›Reveal solutionSolution
E-booking is paid for online/electronically — by debit card, credit card, net-banking or UPI, not by cash.
E-booking means booking a service (rail/air ticket, hotel, cinema, etc.) online through a website or app. Since the transaction is done over the internet, the payment is also made electronically at the time of booking through:
- Debit card or Credit card,
- Internet/Net-banking,
- UPI, mobile wallets or other online payment gateways. …
- CBSE 2026Set MARCH1 markQ.Give two examples of awakening type of presentation.
›Reveal solutionSolution
Awakening-type presentations create social awareness; two examples are a 'Save Water / Save Environment' presentation and a 'Say No to Drugs / Anti-Tobacco' presentation.
An awakening (awareness) presentation is made to make people conscious of an important social issue and to change attitudes or behaviour. Two examples are:
- A presentation on 'Save Water / Save the Environment' (or tree plantation, cleanliness). …
- CBSE 2025Set MARCH1 markMCQQ.Which of the following institutions controls and gives instructions to all the banks of the country?(a) (A) State Government(b) (B) Reserve Bank(c) (C) Municipality(d) (D) Central Government
›Reveal solutionSolution
The Reserve Bank of India is the country's central bank and the sole authority that controls, supervises and issues instructions to all banks — so the answer is option (B) Reserve Bank.
Every bank in India works under one apex regulator. Let us test each option:
- (A) State Government — runs the state's administration; it does not control the banking system.
- (B) Reserve Bank — the RBI is the central bank. It licenses banks, fixes interest-rate policy (repo rate, CRR, SLR), acts as banker to banks and to the government, and issues directions that every bank must obey. This is the controlling institution.
- (C) Municipality — a local self-government body for a city/town; unrelated to bank control. …
- CBSE 2025Set MARCH1 markMCQQ.By which document can an invitation be made for public issue?(a) (A) Memorandum of Association(b) (B) Prospectus(c) (C) Articles of Association(d) (D) Certificate of incorporation
›Reveal solutionSolution
A public invitation to subscribe for shares is made through the Prospectus — option (B).
Under the Companies Act, a prospectus is any document inviting the public to subscribe to the shares or debentures of a company. It discloses the company's details, capital, objects, risk factors and application procedure so that investors can decide. Testing the options:
- (A) Memorandum of Association — the company's charter defining its scope and objects; not a public invitation. …
- CBSE 2025Set MARCH1 markQ.Write full form of E.C.S.
›Reveal solutionSolution
E.C.S. = Electronic Clearing Service.
Electronic Clearing Service (E.C.S.) is a bank facility for the automatic electronic transfer of funds from one account to many, or many to one, without paper cheques. Companies use it to credit dividends and share-application refunds directly to shareholders' bank accounts, and organisations use it for repetitive pa …
- CBSE 2025Set MARCH1 markQ.A company takes help of which intermediaries for public issue?
›Reveal solutionSolution
A public issue is managed with the help of intermediaries like merchant bankers (lead managers), registrars, underwriters, bankers to the issue and brokers.
Because raising capital from the public involves legal, financial and procedural work, the company appoints various intermediaries, each with a defined role:
- Merchant banker / Lead manager — plans the issue, prepares and files the prospectus, and coordinates the whole process.
- Registrar to the issue — handles applications, allotment, refunds and the register of members.
- Underwriters — guarantee subscription by agreeing to take up unsubscribed shares.
- Bankers to the issue — collect application money through their branches.
- Brokers / syndicate members — market the issue and procure subscriptions. …
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