BANC-114 IGNOU Guess Paper 2026-27
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Syllabus & Overview
BANC-114 Guess Paper: Term-End Exam (TEE) Preparation Guide
This structured guess paper leverages solved previous year papers (June & December 2019–2024) to identify scoring patterns for BANC-114: Banking Operations and Functions. Focus areas include Block 1: Introduction to Banking, Block 3: Banking Technology and Digital Payments, and Block 5: Legal and Regulatory Framework, which consistently account for 45–50% of total marks.
Key Scoring Topics from Official Syllabus
- Block 1: Banking Operations and Functions
- Differentiate between commercial, cooperative, and central banking (2022 Dec Q1, 10 marks).
- Case study on KYC/AML norms (2021 June Q3, 15 marks).
- Role of RBI’s Monetary Policy Committee (2023 Dec Q2, 12 marks).
- Block 3: Banking Technology
- Explain RTGS vs. NEFT with transaction flow diagrams (2020 June Q4, 15 marks).
- Impact of AI in customer service (2023 June Q5, 10 marks).
- Cybersecurity risks in UPI transactions (2024 Dec Q3, 12 marks).
- Block 5: Legal Aspects
- Analyze Negotiable Instruments Act, 1881 (2021 Dec Q6, 15 marks).
- Case law on banker-customer relationship (2022 June Q7, 10 marks).
Chapter-wise Question Weightage (2019–2024)
- Block 2: Customer Relationship Management 30% (highest frequency for role-play scenarios).
- Block 4: Retail Banking 25% (prioritize loan products like Home Loans and MSME financing).
- Block 6: Risk Management 15% (focus on credit risk models and Basel III norms).
3-Hour Exam Time Management Tips
- Allocate 45 minutes for reading the question paper (identify case study and short-answer sections first).
- Attempt 15-mark questions in 1 hour (prioritize Blocks 1 and 3).
- Spend 30 minutes on long-answer questions (Block 5 legal cases require structured analysis).
- Leave 10 minutes for review (check for KYC norms and RBI circulars references).
Subject-Specific FAQs
- Q: Are diagrams allowed in BANC-114 exams?
A: Yes, diagrams for RTGS/NEFT flowcharts or loan amortization schedules are accepted if labeled clearly (2020 June Q4).
- Q: How to handle ambiguous legal terms (e.g., ‘due diligence’ in KYC)?
A: Refer to RBI’s Master Direction on KYC (2023 Dec Q2) and cite Section 115B of RBI Act, 1934 for context.
Note: This guess paper excludes Block 7: International Banking (low frequency in TEE; focus on domestic modules).
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