Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q4: How does a bank determine the detailed procedure for levying penalties on partial premature withdrawal of deposits?

A
The penalty is fixed uniformly by the Reserve Bank of India for all banks.
B
The procedure is determined by the bank's comprehensive Board approved policy.
C
Banks are prohibited from levying penalties on partial premature withdrawals.
D
The penalty is determined based on the depositor's relationship with the bank.
✅ Correct Answer: B
Banks are permitted to levy penalties for premature withdrawal, including partial withdrawals.
The detailed procedure is determined by the banks themselves via their Board approved policy.
This flexibility allows banks to manage their liquidity risk while adhering to the broader framework of Interest Rates on Deposits.