Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Fundamentals of Contracts

Q3: "A contract of guarantee is considered invalid, unless the bank provides separate, direct consideration to the surety."

A
True, the surety must always receive a fee
B
True, but the consideration can be non-monetary
C
False, guarantees do not require separate consideration to the surety
D
False, but only if the surety is a company director
✅ Correct Answer: C
This statement is false.
Section 127 of the Indian Contract Act states that anything done for the benefit of the principal debtor (e.g., the bank giving the loan) is sufficient consideration for the surety's guarantee.
No separate, direct consideration to the surety is required.