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

Q12: Who is designated as the Competent Authority to decide on the nature of an irregularity and levy a penalty or penal interest?

A
The Regional Director of the Regional Office concerned
B
The Chief General Manager of the bank's Head Office
C
The Officer-in-Charge of the Issue Department of the jurisdictional Regional Office
D
The Joint Custodians of the currency chest
✅ Correct Answer: C
The Competent Authority to decide on irregularities and determine applicable Penal Interest Rates is the Officer-in-Charge of the Issue Department of the jurisdictional Regional Office.
They have the final say on Currency Chest Reporting disputes.