Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q10: Which of the following statements regarding penalties for reporting irregularities are correct?

For delayed reporting of a "net deposit," a flat penalty of ₹50,000/- is levied.




For delayed reporting of a "net withdrawal," penal interest is charged at 2% over the prevailing Bank Rate.




For "wrong reporting" of any kind, penal interest is also charged at 2% over the prevailing Bank Rate.




No penal interest is charged for delayed reporting of a "net deposit" instance.
A
1 and 2 only
B
1, 2 and 3 only
C
2, 3 and 4 only
D
All of the above
✅ Correct Answer: D
The penalty structure distinguishes between types of failures.
Delayed "net deposit" reporting incurs a flat ₹50,000 penalty (no penal interest). However, delayed "net withdrawal" or any wrong Currency Chest Reporting attracts penal interest at 2% over the prevailing Bank Rate.