Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | DEA Fund – Establishment & Legal Basis

Q2: Which of the following types of amounts are credited to the DEA Fund, if they remain unclaimed for 10 years or more?

1. Credit balances from loan accounts, after due appropriation by the banks.
2. Outstanding demand drafts and pay orders.
3. Balances in sundry deposit accounts and vostro accounts.
4. Amounts outstanding against travellers cheques, which have no maturity period.
A
1 and 2 only
B
1, 2 and 3 only
C
2 and 4 only
D
All of the above
✅ Correct Answer: B
The amounts credited to the DEA Fund include credit balances from loan accounts (after due appropriation), outstanding demand drafts, pay orders, sundry deposit accounts, and vostro accounts.
However, amounts outstanding against travellers cheques or similar instruments without a maturity period are explicitly excluded.