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

Q14: For a continuing guarantee, such as one covering a Cash Credit (CC) or Overdraft (OD) limit, which event will revoke the guarantee for all future transactions?

A
The death of the principal debtor
B
The death of the surety
C
The bank temporarily stopping the account
D
The borrower defaulting one time
✅ Correct Answer: B
As per Section 131 of the Indian Contract Act, the death of the surety acts as a revocation of a continuing guarantee for all future transactions, effective from the moment the bank (creditor) has notice of the death.
The surety's estate remains liable for advances made prior to the notice of death.