Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q2: What is the definition of a "Reinvestment Deposit"?

A
A deposit where interest is paid out monthly at a floating rate.
B
A deposit where the principal amount is reinvested at a new rate upon maturity.
C
A deposit where interest, as and when due, is reinvested at the same contracted rate till maturity.
D
A deposit that can only be held by non-resident individuals.
✅ Correct Answer: C
Reinvestment deposits are defined as those where the interest earned is reinvested back into the deposit at the same contracted rate until the deposit matures.
This is a key concept when calculating yield under Interest Rates on Deposits, as the interest effectively compounds over the tenure.