CBSE Assistant Secretary 2024: Assistant Secretary, CBSE Recruitment Examination, Tier 2 (RAS-1124), Skill Education, BFSI and Marketing

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No. of Printed Pages : 8
                                                                               Roll No.
RAS-1124                                                                    •ŸÈ∑˝§◊Ê¥∑§
                                                              ATS
                           BFSI and Marketing / ’Ë∞»§∞‚•Êß ÃÕÊ Áfl¬áÊŸ
                                            Question Paper / ¬˝‡Ÿ-¬òÊ
Time allowed : Three Hours                                                                             Maximum Marks : 320
‚◊ÿ — ÃËŸ ÉÊ¥≈U                                                                                       •Áœ∑§Ã◊ •¥∑§ — 320
Question Paper may be detached which can be taken away by the candidate after examination.
¬˝‡Ÿ-¬òÊ •‹ª (ÁflÿÊíÿ) Á∑§ÿÊ ¡Ê ‚∑§ÃÊ „Ò •ÊÒ⁄U ¬⁄UˡÊÊÕ˸ ¬⁄UˡÊÊ ∑§ ©¬⁄Uʥà •¬Ÿ ‚ÊÕ ‹ ¡Ê ‚∑§Ã „Ò¥–

                                                      Part ‘A’ / π¥«U “•”

Part ‘A’ has 15 questions. All questions are compulsory. Each question carries 2 marks.
π¥«U “•” ◊¥ 15 ¬˝‡Ÿ „Ò¥, ÿ ‚÷Ë ¬˝‡Ÿ •ÁŸflÊÿ¸ „Ò¥– ¬˝àÿ∑§ ¬˝‡Ÿ 2 •¥∑§ ∑§Ê „Ò–

1.    State True/False for following statements :
      (i)    Higher NPV is Preferred over lower NPV.
      (ii)   When IRR is less than the cost of capital, the project shall be accepted.
      ÁŸêŸÊ¥Á∑§Ã ∑§ÕŸÊ¥ ◊¥ ‚àÿ/•‚àÿ ’ÃÊ∞¥ —
      (i)    ∑§◊ ∞Ÿ.¬Ë.flË. ∑§Ë ÃÈ‹ŸÊ ◊¥ ©ìÊ ∞Ÿ.¬Ë.flË. ∑§Ê ¬˝ÊÕÁ◊∑§ÃÊ ŒË ¡ÊÃË „Ò–
      (ii)   ¡’ •Ê߸•Ê⁄U•Ê⁄U ¬Í¥¡Ë ∑§Ë ‹ÊªÃ ‚ ∑§◊ „Ê, ÃÊ ¬Á⁄UÿÊ¡ŸÊ SflË∑§Ê⁄U ∑§⁄U ‹Ë ¡Ê∞ªË–

2.    Who is the Regulatory Authority for securities and commodities markets in India ?
      ÷Ê⁄Uà ◊¥ ¬˝ÁÃ÷ÍÁà •ÊÒ⁄U flSÃÈ ’Ê$¡Ê⁄UÊ¥ ∑§ Á‹∞ ÁflÁŸÿÊ◊∑§ ¬˝ÊÁœ∑§⁄UáÊ ∑§ÊÒŸ „Ò?

3.    State True/False :
      Missionary salesperson is a position where a salesperson builds goodwill and educates the consumer
      while taking orders and selling the firm’s goods and services.
      ‚àÿ/•‚àÿ Á‹π¥ —
      Á◊‡ÊŸ⁄UË ‚À‚¬‚¸Ÿ ∞∑§ ∞‚Ê √ÿÁÄà „Ò ¡Ê •Ê«¸U⁄U ‹Ã ‚◊ÿ ∑§ê¬ŸË ∑§ ◊Ê‹ •ÊÒ⁄U ‚flÊ•Ê¥ ∑§Ê ’øÃ ‚◊ÿ ©¬÷ÊÄÃÊ•Ê¥ ∑§Ê
      Á‡ÊÁˇÊà ∞fl¥ »§◊¸ ∑§Ë ¿UÁfl ∑§Ê •ë¿UÊ ∑§⁄UÃÊ „Ò¥–

4.    Which Act provides for the protection of consumer rights in Insurance Services ?
      Á∑§‚ •ÁœÁŸÿ◊ ◊¥ ’Ë◊Ê ‚flÊ ◊¥ ©¬÷ÊÄÃÊ •Áœ∑§Ê⁄UÊ¥ ∑§ ‚¥⁄UˇÊáÊ ∑§Ê ©¬’¥œ Á∑§ÿÊ ªÿÊ „Ò?
RAS-1124 / ATS                                                    1                               BFSI and Marketing

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5.    PMJDY stands for __________.
      PMJDY ∑§Ê ¬Í⁄UÊ ŸÊ◊ ÄÿÊ „Ò?


6.    State True or False :
      Manufacturing of highly personal products depend heavily on personal selling.
      ‚àÿ ÿÊ •‚àÿ Á‹π¥ —
      •àÿÁœ∑§ flÒÿÁÄÃ∑§ ©à¬ÊŒÊ¥ ∑§Ê ÁflÁŸ◊ʸáÊ flÒÿÁÄÃ∑§ Á’∑˝§Ë ¬⁄U •àÿÊÁœ∑§ ÁŸ÷¸⁄U ∑§⁄UÃÊ „Ò–

7.    What is LAPM model ?
      ∞‹.∞.¬Ë.∞◊. ◊ÊÚ«U‹ ÄÿÊ „Ò?

8.    What is the term used for the amount paid periodically by the policyholder to keep the insurance
      active ?
      ’Ë◊Ê ∑§Ê ‚Á∑˝§ÿ ⁄UπŸ ∑§ Á‹∞ ¬ÊÚÁ‹‚Ë œÊ⁄U∑§ mÊ⁄UÊ ‚◊ÿ-‚◊ÿ ¬⁄U ÷ȪÃÊŸ ∑§Ë ¡ÊŸ flÊ‹Ë ⁄UÊÁ‡Ê ∑§ Á‹∞ ¬˝ÿÈÄà ‡ÊéŒ ÄÿÊ „Ò?

9.    The miling rate of cost-consumption is the indicator for _________.
      Á◊Á‹¥ª Œ⁄U _________ ∑§Ë ‹ÊªÃ-©¬÷Êª ÃÈ‹ŸÊ ∑§Ê ‚¥∑§Ã∑§ „Ò–

10.   Write one feature of ‘Cash Credit Facility’.
      ∑Ò§‡Ê ∑˝§Á«U≈U ‚ÈÁflœÊ ∑§Ë ∞∑§ Áfl‡Ê·ÃÊ Á‹π¥–

11.   Which budget is prepared for estimating the cash Receipts and cash Payments during a budget
      period ?
      ’¡≈U •flÁœ ∑§ ŒÊÒ⁄UÊŸ Ÿ∑§Œ ¬˝ÊÁåÃÿÊ¥ •ÊÒ⁄U Ÿ∑§Œ ÷ȪÃÊŸÊ¥ ∑§Ê •ŸÈ◊ÊŸ ‹ªÊŸ ∑§ Á‹∞ ∑§ÊÒŸ ‚Ê ’¡≈U ÃÒÿÊ⁄U Á∑§ÿÊ ¡ÊÃÊ „Ò?

12.   Name the term that refers to a request by a policyholder for compensation due to a covered event.
      ©‚ ‡ÊéŒ ∑§Ê ŸÊ◊ ’ÃÊß∞ ¡Ê Á∑§‚Ë ∑§fl⁄U ∑§Ë ªß¸ ÉÊ≈UŸÊ ∑§ ∑§Ê⁄UáÊ ¬ÊÚÁ‹‚ËœÊ⁄U∑§ mÊ⁄UÊ ◊È•Êfl¡ ∑§ Á‹∞ •ŸÈ⁄UÊœ ∑§Ê ‚¥ŒÁ÷¸Ã
      ∑§⁄UÃÊ „Ò–

13.   State True/False :
      (i)    Sum of all Direct costs is known as overheads.
      (ii)   Marginal cost is the change in cost due to change in the level of output.
      ‚àÿ/•‚àÿ ’ÃÊ∞¥ —
      (i)    ‚÷Ë ¬˝àÿˇÊ ‹ÊªÃÊ¥ ∑§Ê ÿÊª •Êfl⁄U„«˜U‚ ∑§ M§¬ ◊¥ ¡ÊŸÊ ¡ÊÃÊ „Ò–
      (ii)   ‚Ë◊ʥà ‹ÊªÃ, ©à¬ÊŒŸ ∑§ SÃ⁄U ◊¥ ¬Á⁄UfløŸ ∑§ ∑§Ê⁄UáÊ ‹ÊªÃ ◊¥ „ÊŸ flÊ‹Ê ¬Á⁄UfløŸ „Ò–

RAS-1124 / ATS                                                  2                             BFSI and Marketing

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14.   RTGS stands for __________.
      RTGS ∑§Ê ¬Í⁄UÊ ŸÊ◊ ÄÿÊ „Ò?


15.   __________ implies that a company has moved from one product item to marketing more than
      one product.
      __________ ◊¥ ∞∑§ ∑¥§¬ŸË, ∞∑§ ©à¬ÊŒ ‚ ŒÍ‚⁄U ©à¬ÊŒ ∑§ Áfl¬áÊŸ ∑§Ë •Ê⁄U ’…∏ÃË „Ò¥–


                                                      Part ‘B’ / π¥«U “’”

Part ‘B’ has 25 questions. Out of which any 20 questions are to be answered. Each question carries
5 marks. The question may be answered in maximum 30 words.
π¥«U “’” ◊¥ 25 ¬˝‡Ÿ „Ò¥, Á¡Ÿ◊¥ ‚ Á∑§ã„Ë¥ 20 ¬˝‡ŸÊ¥ ∑§ ©ûÊ⁄U ŒŸ „Ò¥– ¬˝àÿ∑§ ¬˝‡Ÿ 5 •¥∑§ ∑§Ê „Ò– ¬˝‡Ÿ ∑§Ê ©ûÊ⁄U •Áœ∑§Ã◊
30 ‡ÊéŒÊ¥ ◊¥ ÁŒÿÊ ¡Ê ‚∑§ÃÊ „Ò–

16.   Describe the role of IRDA in regulating the Indian Insurance Industry.
      ÷Ê⁄UÃËÿ ’Ë◊Ê ©lÊª ∑§Ê ÁflÁŸÿÁ◊à ∑§⁄UŸ ◊¥ IRDA ∑§Ë ÷ÍÁ◊∑§Ê ∑§Ê fláʸŸ ∑§⁄¥U–

17.   Mention any three roles of Commercial Banks in India.
      ÷Ê⁄Uà ◊¥ flÊÁáÊÁíÿ∑§ ’Ò¥∑§Ê¥ ∑§Ë ∑§Ê߸ ÃËŸ ÷ÍÁ◊∑§Ê ’ÃÊß∞–

18.   How is cost control different from cost reduction ?
      ‹ÊªÃ ÁŸÿ¥òÊáÊ ∞fl¥ ‹ÊªÃ ∑§≈UÊÒÃË Á∑§‚ ¬˝∑§Ê⁄U Á÷㟠„Ò?

19.   Explain the concept of Brand Personality.
      ’˝Ê¥«U ¬‚¸ŸÊÁ‹≈UË ∑§Ë ‚¥∑§À¬ŸÊ ∑§Ë √ÿÊÅÿÊ ∑§ËÁ¡ÿ–

20.   In what ways can an insurer utilize predictive analytics to enhance Risk Management and improve
      Customer Experience in the insurance offerings ?
      ’Ë◊Ê∑§Ãʸ ¡ÊÁπ◊ ¬˝’¥œŸ ◊¥ •Á÷flÎÁh ∑§⁄UŸ ÃÕÊ ’Ë◊Ê ∑§Ê ¬˝SÃÊfl ŒŸ ∑§ ∑˝§◊ ◊¥ ª˝Ê„∑§ ∑§ •ŸÈ÷fl ◊¥ ‚ÈœÊ⁄U ∑§ Á‹∞ ¬Ífl¸∑§âÿ
      (÷ÁflcÿªÃ) Áfl‡‹·áÊ ∑§Ê ©¬ÿÊª Á∑§Ÿ M§¬Ê¥ ◊¥ ∑§⁄U ‚∑§ÃÊ „Ò?

21.   How does the Price-to-earning (P/E) ratio help in valuing a company ?
      ◊ÍÀÿ-‚-•Êÿ (¬Ë/߸) •ŸÈ¬Êà Á∑§‚Ë ∑¥§¬ŸË ∑§ ◊ÍÀÿÊ¥∑§Ÿ ◊¥ ∑Ò§‚ ◊ŒŒ ∑§⁄UÃÊ „Ò?

22.   How RBI acts as the lender of the last resort to commercial banks in India ?
      flÊÁáÊÁíÿ∑§ ’Ò¥∑§Ê¥ ∑§ Á‹∞ •¥ÁÃ◊ ´§áÊŒÊÃÊ ∑§ M§¬ ◊¥ •Ê⁄U’Ë•Ê߸ ∑Ò§‚ ∑§Êÿ¸ ∑§⁄UÃÊ „Ò?

RAS-1124 / ATS                                                      3                            BFSI and Marketing

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23.   What do you mean by Holistic Marketing ?

      ‚flÊZªËáÊ Áfl¬áÊŸ ‚ •Ê¬∑§Ê ÄÿÊ •Ê‡Êÿ „Ò¥Ò?


24.   What is the difference between cheque and demand draft ?

      ø∑§ •ÊÒ⁄U Á«U◊Ê¥«U «˛UÊç≈U ◊¥ ÄÿÊ •¥Ã⁄U „Ò?


25.   What role does social security play in retirement planning ?

      ‚flÊÁŸflÎÁûÊ ÿÊ¡ŸÊ ◊¥ ‚Ê◊ÊÁ¡∑§ ‚È⁄UˇÊÊ ∑§Ë ÄÿÊ ÷ÍÁ◊∑§Ê „Ò?


26.   How is a Lapsed Insurance Policy revived ?

      √ÿ¬ªÃ ’Ë◊Ê ¬ÊÚÁ‹‚Ë ∑§Ê ∑Ò§‚ Á»§⁄U ‚ øÊ‹Í Á∑§ÿÊ ¡Ê ‚∑§ÃÊ „Ò?


27.   What are the various factors of Macro Environment of Marketing ?

      Áfl¬áÊŸ ∑§ fl΄Œ flÊÃÊfl⁄UáÊ ∑§ ∑§Ê⁄U∑§ Ãàfl ÄÿÊ „Ò¥?


28.   What is an IRA ?

      •Ê߸ •Ê⁄U ∞ ÄÿÊ „Ò?


29.   What are the basis of Positioning ?

      ¬Ê¡Ë‡ÊÁŸ¥ª (SÕʬŸ ∑˝§◊) ∑§ ÁflÁ÷㟠•ÊœÊ⁄U ÄÿÊ „Ò¥?


30.   What are the key differences between Fire Insurance and Motor Insurance in terms of coverage
      and risk ?

      ∑§fl⁄U¡ •ÊÒ⁄U ¡ÊÁπ◊ ∑§ ‚¥Œ÷¸ ◊¥ •ÁÇŸ ’Ë◊Ê •ÊÒ⁄U ◊Ê≈U⁄U ’Ë◊Ê ∑§ ◊ÈÅÿ •¥Ã⁄U ÄÿÊ „Ò¥?


31.   Explain briefly the features of overdraft facility.

      •Êfl⁄U«˛UÊç≈U ‚ÈÁflœÊ ∑§Ë Áfl‡Ê·ÃÊ∞¥ ’ÃÊ∞¥–


32.   What are the key features of Marine Insurance and how does it differ from other types of General
      Insurance ?

      ‚◊ÈŒ˝Ë ’Ë◊Ê ∑§Ë ◊ÈÅÿ Áfl‡Ê·ÃÊ∞¥ ÄÿÊ „Ò¥ •ÊÒ⁄U ÿ„ •ãÿ ¬˝∑§Ê⁄U ∑§ ‚Ê◊Êãÿ ’Ë◊Ê ‚ Á∑§‚ ¬˝∑§Ê⁄U Á÷㟠„Ò?

RAS-1124 / ATS                                                    4                             BFSI and Marketing

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33.   What does a high Inventory Turnover ratio suggest ?

      „Ê߸ ßãfl¥≈˛UË ≈UŸ¸•Êfl⁄U •ŸÈ¬Êà ÄÿÊ Œ‡ÊʸÃÊ „Ò?


34.   What do you understand by the term ‘General Crossing of Cheques’ ?

      ø∑§Ê¥ ∑§Ë ‚Ê◊Êãÿ ∑˝§ÊÚÁ‚¥ª ‚ •Ê¬ ÄÿÊ ‚◊¤ÊÃ „Ò¥?


35.   What are the various labels used by the marketers ?

      Áfl¬áÊŸ∑§Ãʸ•Ê¥ mÊ⁄UÊ ÄÿÊ ‹’‹ ©¬ÿÊª Á∑§ÿ ¡ÊÃ „¥Ò?


36.   How are policyholders protected under the Consumer Protection Act (CPA) in relation to insurance
      claims and services ?

      ’Ë◊Ê ŒÊflÊ¥ •ÊÒ⁄U ‚flÊ•Ê¥ ∑§ ‚¥’¥œ ◊¥ ©¬÷ÊÄÃÊ ‚¥⁄UˇÊáÊ •ÁœÁŸÿ◊ (‚ˬË∞) ∑§ Äà ¬ÊÚÁ‹‚ËœÊ⁄U∑§Ê¥ ∑§Ê ∑Ò§‚ ‚¥⁄UÁˇÊà Á∑§ÿÊ
      ¡ÊÃÊ „Ò?


37.   What are the risks associated with high levels of debt ?

      ©ìÊ SÃ⁄U ∑§ ´§áÊ ‚ ¡È«∏ ¡ÊÁπ◊ ÄÿÊ „Ò¥?


38.   What are the stages of New Product Development ?

      ŸflËŸ ©à¬ÊŒ Áfl∑§Ê‚ ∑§ ÄÿÊ ø⁄UáÊ „ÊÃ „¥Ò?


39.   Give examples of the common methods of placement in Money Laundering.

      ◊ŸË ‹ÊÚÁã«˛¥Uª ◊¥ SÕʬŸ (å‹‚◊¥≈U) ∑§ ‚Ê◊Êãÿ Ã⁄UË∑§Ê¥ ∑§ ©ŒÊ„⁄UáÊ Œ¥–


40.   What is Cost Volume Profit (CVP) analysis and what factors does it consider ?

      ‹ÊªÃ-◊ÊòÊÊ-‹Ê÷ (‚ËflˬË) Áfl‡‹·áÊ ÄÿÊ „Ò, •ÊÒ⁄U ß‚◊¥ Á∑§Ÿ ∑§Ê⁄U∑§Ê¥ ¬⁄U ÁfløÊ⁄U Á∑§ÿÊ ¡ÊÃÊ „Ò?

RAS-1124 / ATS                                                     5                            BFSI and Marketing

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                                                     Part ‘C’ / π¥«U “‚”
Part ‘C’ has 12 questions. Out of which any 10 questions are to be answered. Each question carries
10 marks. The question may be answered in maximum 100 words.
π¥«U “‚” ◊¥ 12 ¬˝‡Ÿ „Ò¥, Á¡Ÿ◊¥ ‚ Á∑§ã„Ë¥ 10 ¬˝‡ŸÊ¥ ∑§ ©ûÊ⁄U ŒŸ „Ò¥– ¬˝àÿ∑§ ¬˝‡Ÿ 10 •¥∑§ ∑§Ê „Ò– ¬˝‡Ÿ ∑§Ê ©ûÊ⁄U •Áœ∑§Ã◊
100 ‡ÊéŒÊ¥ ◊¥ ÁŒÿÊ ¡Ê ‚∑§ÃÊ „Ò–

41.    Prepare flexible budget at 50%, 60% and 70% capacity for the overheads of DC Ltd. for the following
       data :
                                                                      At 60% capacity (Rs) :

       Variable overheads :
              Indirect Material                                               6,000
              Indirect Labour                                                18,000
       Semi - variable overheads :
              Electricity (40% fixed, 60% variable)                          30,000
              Repair (80% fixed, 20% variable)                                3,000
       Fixed overheads :
              Depreciation                                                    16,500
              Insurance                                                        4,500
              Salaries                                                        15,000
       ÁŸêŸÁ‹Áπà •Ê¥∑§«∏Ê¥ ‚ «UË‚Ë Á‹Á◊≈U«U ◊¥ 50%, 60% •ÊÒ⁄U 70% ˇÊ◊ÃÊ ¬⁄U •Êfl⁄U„«˜U‚ ∑§ Á‹∞ ‹øË‹Ê ’¡≈U
       (Flexible Budget) ÃÒÿÊ⁄U ∑§⁄¥U–
                                                                      60% ˇÊ◊ÃÊ         ¬⁄U (L§.)
       ¬Á⁄UfløŸËÿ •Êfl⁄U„«Ũ ‚ :
              •¬˝àÿˇÊ ‚Ê◊ª˝Ë                                                    6,000
              •¬˝àÿˇÊ üÊ◊                                                    18,000

       •h¸ ¬Á⁄UfløŸËÿ •Êfl⁄U„«Ũ‚ U :
              Á’¡‹Ë (40% ÁSÕ⁄U, 60% ¬Á⁄UfløŸËÿ)                              30,000
              ◊⁄Uê◊à (80% ÁSÕ⁄U, 20% ¬Á⁄UfløŸËÿ)                                3,000

       ÁŸÁ‡øà •Êfl⁄U„«Ũ ‚ :
              ◊ÍÀÿOÊ‚                                                         16,500
              ’Ë◊Ê                                                              4,500
              flß                                                            15,000

42.    What is E-CRM and its scope ?
       ߸-‚Ë.•Ê⁄U.∞◊. ∑§Ë ¬Á⁄U÷Ê·Ê ∞fl¥ ˇÊòÊ (S∑§Ê¬) ∑§Ë √ÿÊÅÿÊ ∑§ËÁ¡ÿ–

RAS-1124 / ATS                                                6                                BFSI and Marketing

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43.   Explain the Bailor (Bank) and Bailee (Customer) Relationship.

      ’Ò‹⁄U (Bank) •ÊÒ⁄U ’Ò‹Ë (Customer) ∑§Ê ÄÿÊ ‚ê’¥œ „Ò? S¬c≈U ∑§ËÁ¡∞–

44.   What are the key functions of IRDA ?

      IRDA (•Ê߸.•Ê⁄U.«UË.∞.) ∑§ ◊ÈÅÿ ∑§Êÿ¸ ÄÿÊ „¥Ò?


45.   How can Supply Chain Management help in increasing revenue and cutting down Costs ?

      ‚å‹Ê߸ øŸ ◊ÒŸ¡◊¥≈U (•Ê¬ÍÁø oÎ¥ÅÊ‹Ê ¬˝’¥œ) ⁄UÊ¡Sfl ’…∏ÊŸ fl ‹ÊªÃ ∑§◊ ∑§⁄UŸ ◊¥ ∑Ò§‚ ‚„Êÿ∑§ „ÊÃÊ „Ò¥?

46.   Explain the characteristics of Cheque Truncation System (CTS) for clearing and payment of cheques.

      ø∑§ ≈¥˛U∑§‡ÊŸ Á‚S≈U◊ (CTS - Cheque Truncation System) ∑§Ë Áfl‡Ê·ÃÊ•Ê¥ ∑§Ê S¬c≈U ∑§⁄¥U, ¡Ê ø∑§Ê¥ ∑§ ÁŸ¬≈UÊŸ •ÊÒ⁄U
      ÷ȪÃÊŸ ∑§ Á‹∞ „Ò–

47.   Describe the importance of policy documents and forms in safeguarding the interests of
      policyholders.

      ¬ÊÚÁ‹‚ËœÊ⁄U∑§Ê¥ ∑§ Á„ÃÊ¥ ∑§Ë ‚È⁄UˇÊÊ ◊¥ ¬ÊÚÁ‹‚Ë ŒSÃÊfl¡Ê¥ •ÊÒ⁄U »§ÊÚ◊ÊZ ∑§ ◊„ûfl ∑§Ê fláʸŸ ∑§⁄¥U–

48.   How can a company improve its cash conversion cycle ?

      ∑¥§¬ŸË •¬ŸË Ÿ∑§Œ M§¬Ê¥Ã⁄UáÊ ø∑˝§ ∑§Ê ∑Ò§‚ ‚ÈœÊ⁄U ‚∑§ÃË „Ò?

49.   Who are the three participants in Immediate Payment Services (IMPS) ?

      •Ê߸∞◊¬Ë∞‚ ◊¥ ÃËŸ ¬˝ÁÃ÷ÊªË ∑§ÊÒŸ „Ò¥?

50.   What are the challenges in Global Marketing ?

      flÒÁ‡fl∑§ Áfl¬áÊŸ ∑§Ë ÄÿÊ øÈŸÊÒÁÃÿÊ° „¥Ò?

51.   How can a company balance its debt and equity to optimize its Capital Structure ?

      ∑§Ê߸ ∑¥§¬ŸË •¬ŸË ¬Í°¡Ë ‚¥⁄UøŸÊ ∑§Ê •ŸÈ∑ͧÁ‹Ã (•Êå≈UË◊Êß¡) ∑§⁄UŸ ∑§ Á‹∞ •¬Ÿ ´§áÊ •ÊÒ⁄U ßÁÄfl≈UË ∑§Ê ∑Ò§‚ ‚¥ÃÈÁ‹Ã ∑§⁄U
      ‚∑§ÃË „Ò?

52.   How does Unified Payments Interface (UPI) work while sending money ?

      ¬Ò‚ ÷¡Ã ‚◊ÿ ÿÍÁŸ»§Êß«U ¬◊¥≈U ߥ≈U⁄U»§‚ (ÿͬ˕Ê߸) ∑Ò§‚ ∑§Êÿ¸ ∑§⁄UÃÊ „Ò?

RAS-1124 / ATS                                                         7                                  BFSI and Marketing

M     A    S    T     E    R         C    O     P    Y

                                                      Part ‘D’ / π¥«U “Œ”
Part ‘D’ has 5 questions. Out of which any 3 questions are to be answered. Each question carries
30 marks. The question may be answered in maximum 300 words.
π¥«U “Œ” ◊¥ 5 ¬˝‡Ÿ „Ò¥, Á¡Ÿ◊¥ ‚ Á∑§ã„Ë¥ 3 ¬˝‡ŸÊ¥ ∑§ ©ûÊ⁄U ŒŸ „Ò¥– ¬˝àÿ∑§ ¬˝‡Ÿ 30 •¥∑§ ∑§Ê „Ò– ¬˝‡Ÿ ∑§Ê ©ûÊ⁄U •Áœ∑§Ã◊
300 ‡ÊéŒÊ¥ ◊¥ ÁŒÿÊ ¡Ê ‚∑§ÃÊ „Ò–

53.   What is Skimming Pricing ? Explain the conditions when skimming pricing strategies are
      advisable ?
      ÁS∑§Á◊¥ª ¬˝ÊßÁ‚¥ª ÄÿÊ „ÊÃË „Ò¥? Á∑§Ÿ ¬Á⁄UÁSÕÃËÿÊ¥ ◊¥ ÁS∑§Á◊¥ª ¬˝ÊßÁ‚¥ª ∑§Ë ‚‹Ê„ ŒË ¡ÊÃË „Ò?

54.   What is the difference between Real Time Gross Settlement (RTGS), National Electronic Funds
      Transfer System (NEFT) and Electronic Clearing System (ECS) ?
      Á⁄Uÿ‹ ≈UÊß◊ ª˝ÊÚ‚ ‚≈U‹◊¥≈U (RTGS), ⁄UÊc≈˛UËÿ ß‹Ä≈˛UÊÚÁŸ∑§ »¥§«U ≈˛UÊ¥‚»§⁄U Á‚S≈U◊ (NEFT) •ÊÒ⁄U ß‹Ä≈˛UÊÚÁŸ∑§ ÁÄ‹ÿÁ⁄¥Uª Á‚S≈U◊
      (ECS) ◊¥ ÄÿÊ •¥Ã⁄U „Ò?


55.   “Capital Budgeting decisions play a crucial role in the financial management and long term success
      of business”. Elucidate.
      ““¬Í¥¡ËªÃ ’¡≈U ÁŸ◊ʸáÊ ‚¥’¥œË ÁŸáʸÿ ÁflûÊËÿ ¬˝’¥œŸ •ÊÒ⁄U √ÿfl‚Êÿ ∑§Ë ŒËÉʸ∑§ÊÁ‹∑§ ‚»§‹ÃÊ ◊¥ ◊„àfl¬Íáʸ ÷ÍÁ◊∑§Ê ÁŸ÷ÊÃ
      „Ò–”” ©¬⁄UÊÄà ∑§ÕŸ ∑§Ë √ÿÊÅÿÊ ∑§⁄¥U–

56.   How do Insurance Companies manage lapsed policies, and what are the implications for
      policyholders ?
      ’Ë◊Ê ∑§ê¬ÁŸÿÊ° √ÿ¬ªÃ (‹Òå‚«U) ¬ÊÚÁ‹Á‚ÿÊ¥ ∑§Ê ¬˝’¥œŸ ∑Ò§‚ ∑§⁄UÃË „Ò¥, ÃÕÊ ¬ÊÚÁ‹‚ËœÊ⁄U∑§Ê¥ ¬⁄U ß‚∑§Ê ÄÿÊ ¬˝÷Êfl ¬«∏ÃÊ „Ò?

57.   Compare and contrast debt and equity financing in terms of their characteristics, advantages and
      disadvantages. Also discuss how a company’s decision to either financing methods affects its
      capital structure and risk profile.
      ´§áÊ •ÊÒ⁄U ßÁÄfl≈UË ÁflûʬÊ·áÊ ∑§Ë Áfl‡Ê·ÃÊ•Ê¥, ‹Ê÷Ê¥ •ÊÒ⁄U ŸÈ∑§‚ÊŸÊ¥ ∑§Ë ÃÈ‹ŸÊ ∑§⁄¥U– ß‚∑§ •ÁÃÁ⁄UÄÃ, øøʸ ∑§⁄¥U Á∑§ Á∑§‚Ë
      ∑¥§¬ŸË mÊ⁄UÊ Á∑§‚Ë ÷Ë ÁflûʬÊ·áÊ ¬hÁà ∑§Ê ©¬ÿÊª ∑§⁄UŸ ∑§Ê ÁŸáʸÿ ©‚∑§Ë ¬Í¥¡Ë ‚¥⁄UøŸÊ •ÊÒ⁄U Á⁄US∑§ ¬˝Ê$»§Êß‹ ∑§Ê ∑Ò§‚ ¬˝÷ÊÁflÃ
      ∑§⁄UÃÊ „Ò?

                                                             -o0o-




RAS-1124 / ATS                                                    8                               BFSI and Marketing