Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Guarantee, Indemnity, and Bailment

Q10: Banks often use a contract of indemnity, to protect themselves from loss. Which of the following is NOT a typical situation, where a bank would take an indemnity?

A
Issue of a duplicate demand draft
B
Settlement of a lost cheque
C
Granting a new term loan against property
D
Issue of a duplicate Fixed Deposit Receipt (FDR)
✅ Correct Answer: C
An indemnity is a promise to compensate for potential loss.
It is standard procedure for lost instruments (duplicate DDs, FDRs, lost cheques) or lost locker keys.
Granting a new term loan against property is secured using a mortgage or hypothecation, not an indemnity bond.