Prepare an individual report after visit to a Bank.

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Q. Prepare an individual report after visit to a Bank.

Gujarat GsebGujarat Board (GSEB) HSC Commerce Board 2026Subjective· 5mImportance★★★★★

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An individual report after a visit to a bank, in proper report format: title, introduction (purpose and date), main observations (departments/services/technology/staff), conclusion, and signature. Full specimen below.

Specimen — Individual Report on a Visit to a Bank

REPORT ON A VISIT TO BANK OF BARODA, ALKAPURI BRANCH, VADODARA

Prepared by: Nisha Mehta, Student, Class 12 (Commerce)

Date of visit: 10th March, 2026

Date of report: 15th March, 2026

Introduction:

As part of our Secretarial Practice study, I visited the Bank of Baroda, Alkapuri Branch, Vadodara on 10th March, 2026, to understand the working of a bank and the various services it provides to its customers. This report presents my observations.
Observations:

Layout and departments: The branch was neat and well organised. It had separate counters/sections for account opening, deposits and withdrawals (cash counter), clearing, loans and a customer-service desk.
Services offered: The bank accepts deposits (savings, current, fixed and recurring), grants loans and advances, and offers facilities such as ATM/debit cards, cheque books, demand drafts, NEFT/RTGS/UPI transfers, lockers and net/mobile banking.
Use of technology: Most work was computerised. Customers used the ATM, passbook-printing machine and cash-deposit machine, and staff carried out transactions online, which made the service fast.
Staff and customer service: The staff were courteous and helpful and guided customers in filling forms. Secrecy of customer accounts was maintained. …

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Same / Similar Concept — real previous-year questions on the same or a closely similar concept, not this exact question.

Showing the 12 most recent of 14 on this concept.

CBSE 2026Set MARCH1 markMCQ
$Q. In Bank correspondence which of the following things is mentioned when secrecy is to be maintained?$
(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. …
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CBSE 2026Set MARCH1 markMCQ
$Q. With which organisation is correspondence carried out to get adequate water-supply in big cities?$
(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. …
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CBSE 2026Set MARCH1 markMCQ
$Q. Which type of an insurance policy allows claim of insured amount after death of the insured person to the nominee/assignee?$
(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 markMCQ
$Q. Which number of the bank is to be given for RTGS to transfer the amount in the account of the customer?$
(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 …

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CBSE 2026Set MARCH1 markMCQ
$Q. Who should be at the centre of presentation?$
(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 mark
$Q. What are the main types of insurance?$
›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), …
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CBSE 2026Set MARCH1 mark
$Q. What is the mode of payment in E-booking?$
›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. …
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CBSE 2026Set MARCH1 mark
$Q. Give two examples of awakening type of presentation.$
›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). …
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CBSE 2025Set MARCH1 markMCQ
$Q. Which of the following institutions controls and gives instructions to all the banks of the country?$
(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. …
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CBSE 2025Set MARCH1 markMCQ
$Q. By which document can an invitation be made for public issue?$
(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. …
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CBSE 2025Set MARCH1 mark
$Q. Write full form of E.C.S.$
›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 …

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CBSE 2025Set MARCH1 mark
$Q. A company takes help of which intermediaries for public issue?$
›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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Q.Prepare an individual report after visit to a Bank.

Concept understanding — Procedure for a Public Issue of Shares

Q.Prepare an individual report after visit to a Bank.

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