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

Q4: What is the consequence for a bank, if it provides a loan for a purpose that it knows to be unlawful?

A
The bank can charge a higher interest rate
B
The contract cannot be enforced
C
The bank must report the customer to the police
D
The contract is still valid, if security is provided
✅ Correct Answer: B
One of the essentials of a valid contract is a lawful object (Section 23, Indian Contract Act). If the purpose of the loan is unlawful, the contract is void and cannot be enforced by the bank to recover the money.