UGC NET Commercial banking Previous Year Questions
JRFSmart holds 36 previous-year questions on Commercial banking from UGC NET Commerce (Paper 2), filed under Unit 7: Banking and Financial Institutions, drawn from 13 of the 22 exam papers in the bank (2018–2025). Each question can be practised with a full explanation and shows how often NTA has returned to the same idea.
What is asked in Commercial banking
The questions in this topic fall under these subtopics, ordered by how many previous-year questions each has.
| Subtopic | Questions |
|---|---|
| Share capital of Regional Rural Banks | 2 |
| Regional Rural Banks | 2 |
| Establishment of the State Bank of India | 1 |
| Year of formation of Indian banks | 1 |
| Primary functions of commercial banks | 1 |
| Small finance banks | 1 |
| Foreign banks in India | 1 |
| Off-balance-sheet activities | 1 |
| Spread and net interest income | 1 |
| Primary and secondary reserves | 1 |
| Pricing a housing loan | 1 |
| Offshore banks | 1 |
NTA repeat analysis
Commercial banking appears in 13 of 22 papers (59%), which JRFSmart rates as high frequency.
5 questions in this topic have been verified as repeated in more than one paper.
Sample previous-year questions
Which one of the following is an example of Secondary Reserves?
Pricing of housing loan by a commercial bank may follow the following steps in a logical sequence: A. Competitive price determination B. Specification of spread C. Application of MCLR D. Conduct of Credit Assessment E. Quoting to prospective borrower Choose…
The banks wherein a majority of depositors are non-residents are called:
Choose the correct options regarding banking: A. Chain banking indicates the form of bank cartel that occurs when a small group people control at least three banks that are independently chartered. B. PAN number is required for deposits in a commercial bank…
The share capital of an RRB is subscribed by the Central government State Government and the Sponsoring Bank in which one of the following ratios?
In which year did the State Bank of India come into existence?
The first phase of modern banking in India began after independence in 1947, when the government nationalized the major banks and introduced various reforms to promote financial inclusion and social welfare. The second phase started in the 1990s, when the…
Arrange the following banks in the increasing order of their year of formation: A. State Bank of India B. Imperial Bank of India C. Reserve Bank of India D. Regional Rural Banks E. Small Finance Bank Choose the correct answer from the options given below:
Showing 8 of 36 questions, without answers. Practise the full set with options, the official answer and JRFSmart's explanations.
Practise Commercial banking
All 36 questions, one topic, with explanations and repeat data. One topic in every unit is free.
Practise this topic