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You can download Financial Institutions and Services Questions and Answers, Summary, Activity, Notes, Kerala Syllabus 10th Standard Social Science Solutions Part 2 Chapter 9 help you to revise complete Syllabus and score more marks in your examinations.

Kerala State Syllabus 10th Standard Social Science Part 2 Chapter 9 Financial Institutions and Services Questions and Answers

SSLC Geography Chapter 9 Notes

Question 1.
Name the central bank of India
Answer:
Reserve Bank of India (RBI)

Question 2.
………….. is the headquarters of RBI
Answer:
Mumbai

Question 3.
Complete the following.

Answer:

Question 4.
What do you mean by financial institutions?
Answer:
The institution that undertakes economic transactions like accepting deposits and giving loans are called financial institutions.

Question 5.
RBI was nationalized in:
a) 1935
b) 1945
c) 1947
d) 1949
Answer:
d) 1949

Question 6.
Complete the following chart

Answer:

Question 7.
The deposit that allows to deposit and withdraw money many times in a day
1. Current deposit
2. Recurring deposit
3. Saving deposit
Answer:
1. Current deposit

Question 8.
Industrial Finance Corporation is an example for
1. Commercial Banks
2. Development Banks
3. Non-Banking Financial Institution
Answer:
2. Development Banks

Question 9.
Point out the functions of RBI.
Answer:
1. Issue of Currency Notes
2. Controller of Credit
3. Banker’s Bank
4. Government’s Bank

Question 10.
Explain the different phases in the growth of banks in India.
Answer:

First phase (1771 to 1969):

• English East India Company set up three Presidency Banks: Bank of Bengal, Bank of Bombay and Bank of Madras.
• The operations and growth of banks were slow.

Second phase (1969 to 1990):

• Banking operations became fast.
• The awareness that bunks should operate with the objective of social welfare became prevalent.
• Bank nationalization of 1969 and 1980.

Third phase (From 1991 onwards):

• Along with the performance of basic functions, implemented services that would speed up banking procedures.
• Implemented new trends in banking like ATM, credit card, phone banking, net banking, etc.
• Operations of New Generation Banks.

Question 11.
Prepare a list of nationalized banks in India.
Answer:

• Bank of India
• United bank of India
• Indian Bank
• DenaBank
• United Commercial Bank
• Syndicate Bank
• Bank of Maharashtra
• Vijaya bank
• Oriental Bank of Commerce
• Andhra Bank
• Punjab and Sindh Bank
• Centra Bank of India
• Union Bank of India
• Indian Overseas Bank
• Allahabad Bank of India
• Canara bank
• BankofBaroda
• PunjabNationalBank
• Corporation Bank

Question 12. Name the first. modern bank in India.
Answer:
Bank of Hindustan (1770)

Question 13.
In India, coins and one rupee notes are issued by
Answer:
The Ministry of Finance

Question 14.
Explain the features of new generation banks.
Answer:
The private banks which are given license after 1991, in the third phase of the growth of banking sector are called New Generation Banks. These banks adopted new trends in banking sector like ATM, credit card, phone banking, net banking, and core banking. They have also adopted steps to make the proceeding easy and simple.

Question 15.
Name the different types of commercial banks.
Answer:

• Public sector banks
• Private Indian banks
• Private Foreign banks

Question 16.
Write on the different types of deposits accepted by commercial banks?
Answer:
Commercial banks accept the following deposits.
Saving Deposit:
It is a scheme for depositing surplus income by individuals and institutions. Banks offer low rate of interest for this deposit. Depositor can withdraw money from this deposit subject to certain restrictions.

Current Deposit:
A scheme for depositing and withdrawing money many times in a day. Normally traders and industrialists use this deposit scheme. It does not offer any rate of interest’

Fixed Deposit:
Fixed deposits are suitable for depositing money for a fixed period. Interest is fixed on the period (tenure) of the deposit. It can be normally withdrawn only after the expiry of the period. Rate of interest will decrease if withdrawn before the expiry period. Recurring Deposit Depositing a fixed sun monthly for a fixed period is the recurring deposit. It offers a rate of interest higher than that of saving deposit, but less fixed deposit.

Giving Loans:
This is the next major function of commercial banks. Banks provide loans by using the amount deposited by the public. Banks give loans to individual as well as institutions. Interest rates charged for loans will be higher that of deposits. Rate of interest vary depending upon the duration of loans.

Other Functions:
Apart from the basic functions like accepting deposits and lending money, commercial banks render certain other services to their customers. The services rendered by the banks include.

Locker Facility:
its offer locker facility to keep costly articles (gold, title deed of property) of their customers. Banks charge a fixed amount as service charge for this.

Demand Draft:
Demand draft is a facility provided by banks to send money from one place to another. Bank account is not necessary for this.

Mail Transfer:
Mail transfer is a facility provided by banksto transfer money from any place in the world to one’s own account or to the account of another person. Telegraphic transfer is faster than mail transfer. Telegraphic transfer is a system of transfer of money through message.

ATM:
Automated Teller Machine helps the customers to withdraw money without stepping into the banks. Most banks have ATM facility today. Today money can be deposited and withdrawn through the ATM of some banks. Th.e bank gives ATM debit card for this.

Credit card:
Customers can purchase goods with the help of credit card. This system enables the customers to purchase goods even if there is no balance in the account. Money should be deposited in the bank within fixed days.

Banks help the customers to ‘remit their insurance premium, telephone bills, and electricity bills and to purchase travel tickets. Pension amount to the retired officials is disbursed through banks.

Question 17.
Define Commercial Banks
Answer:
Commercial banks are those banks which accept deposits and lend money for commercial purposes, industrial and agricultural purposes.

Question 18.
Distinguish between private Indian bank and private foreign banks.
Answer:
Private Indian commercial banks are owned by private individuals. These banks operate subject to the regulations of RBI. Banks owned by private individuals and registered in India, with their headquarters abroad are called private foreign commercial banks. These also function subject to regulations of RBI.

Question 19.
Who all are getting the benefits of RRBs
Answer:
Small scale farmers
Agricultural laborers
Small entrepreneurs

Question 20.
Describe the functions of commercial banks.
Answer:
Commercial banks perform various functions. They are discussed below:-
Accepting deposits is the main function of commercial banks. These banks accept four types of deposits. These deposits are

1. Saving Deposit
2. Fixed Deposit
3. Current Deposit

Question 21.
interest is not given for current deposits. Why?
Answer:
Current deposits are not given interest. This is because in current deposit scheme money can be deposited and withdrawn many times in a day without any restrictions.

Question 22.
Point out the factors influencing difference in the rate of interest on loans?
Answer:

• Tenure of loan
• Mode of repayment
• Purpose of loan

Question 23.
What do you mean by overdraft?
Answer:
Overdraft is a type of loan given by commercial banks to customers. This facility enables a customer to withdraw money over and above the credit balance.
Banks give this facility to permanent and reliable customers. This facility is provided to those who have current account deposit.

Question 24.
Give examples of plastic money
Answer:
Credit Card Debit Card

Question 25.
What are the two trends in banking?
Answer:
Electronic banking Core banking

Question 26.
Prepare a note on the facilities offered by electronic banking?
Answer:
Today banking, services are easily available through any banks with the computerization of banks and the ATM facility. Doing all banking transactions through net banking and telebanking is called electronic banking. Banking at any time and banking at any place, net banking, and mobile banking are part of electronic banking. It does not need the support of employees and banking instruments. Only bank account and net banking facility are needed for this.

Customers can send money anywhere in the world and remit the bills from home itself without stepping into a bank. Banking activities can be completed within a short time. Not expensive as the service charge for this is very less.

Question 27.
Banking operations become easy with core banking. Explain.
Answer:
Core banking is a banking facility under which all the branches of the banks are brought under a central server to enable transactions from one bank to another. It operates with the help of internet. Making use of this facility, an individual can send money from his account to his friend’s account in another place. Facilities like ATM, debit card, credit card, net banking, telebanking, mobile banking, etc. are brought under one umbrella through core banking. This made bank transactions easy.

Question 28.
What are the things to be taken care of while using ATM cards?
Answer:

• Make sure that nobody is in the counter.
• Do not disclose your ATM pin number to anyone.
• Check the cash withdrawals against your bank statement and keep receipts from the ATM to check back against your statement. Do not throw away the receipt carelessly.

Question 29.
Match the following.

A	B
RBI	1982
SBI	1935
RRB	1955
NABARD	1975

Answer:

A	B
RBI	1935
SBI	1955
RRB	1975
NABARD	1982

Question 30.
Point out the functions of NABARD?
Answer:
The institutions that give financial assistance for the development of certain areas only are called specialized banks. NABARD is a specialized bank. Its features are:

1. The apex bank operating for agricultural and rural development.
2. Co-ordinates all banks working for rural development.
3. Gives financial assistance to agriculture, handicrafts and small scale industries.

Question 31.
Define Mudra Bank
Answer:
Mudra bank stands for micro-units development and refinances agency banks. It is a public sector financial institution in India that provides loans to low rates of interest to microfinance institutions and small scale entrepreneurs.

Question 32.
What are the objectives of Mudra bank?
Answer:

• Provide small lending
• Provide financial help to microfinance and small entrepreneurs.

Question 33.3
NABARD stands for?
Answer:
National Bank for Agricultural and Rural Development

Question 34.
What are co-operative banks? Mention their objectives?
Answer:
Co-operative banks operate on the basis of principles like co-operation, self-help and mutual help. They have been set up for rural development. Co-operative banks were set up with the aim of extending financial help to farmers, handicrafts men, small scale industrialists, etc.
The objectives of Co-operative banks are

1. Give loans to people
2. Save the rural folk from the exploitation of private money lenders
3. Give loan at low rate of interest
4. Promote saving habits among the rural folk

Question 35.
Complete the following chart

Answer:
a – State Co-operative Bank
b – District Co-operative Bank
c – Primary co-operative Bank

Question 36.
Write the difference between life insurance company and non – life insurance company. Write example for each.
Life Insurance Company :
Life insurance companies are institutions that provide security to life and property of individuals. Eg. Life Insurance Corporation of India.
Non – Life insurance companies:
These are institutions that provide security to individuals from the loss incurred due to accident and natural calamity. Eg. General insurance companies

Question 37.
Which among the following is a private sector bank?
i) Vijaya Bank
ii) Canara Bank
iii) Syndicate Bank
iv) Federal Bank.
Answer:
iv) Federal Bank

Question 38.
Which is the major non-banking financial company operating in Kerala? What are the services they provide?
Answer:
Kerala State Financial Enterprises (KSFE)
Services

1. Operate chitties
2. Housing loan
3. Gold loan
4. Hire purchase

Question 39.
Mutual fund helps common man to overcome the constraints in investing money in share market. Explain.
Answer:
Mutual fund is a deposit scheme. Common man cannot directly involve in share market. Mutual fund helps investors to overcome this constraint. Money is mobilized from common man and small scale farmers for investing in shares and other assets like debentures and infrastructure. The profit or loss resulting from this is distributed among them.

Question 40.
Name any two mutual fund operations in public sector.
Answer:
i) SBI mutual fund
ii) Unit Trust df India

Let Us Assess

Question 41.
Reserve Bank acts as the last resort in monetary matters of all banks. Substantiate the statement based on the functions of RBI
Answer:
Reserve Bank is the Central Bank of India. It was established in 1935 and its headquarters is in Mumbai. It is the apex bank that controls all the other banks. RBI not only regulates and supervises the banks but also other financial institutions in the country by giving them necessary instructions and advice. It acts as the last resort in the monetary matters of all banks.
The functions of RBI are:

Issue of currency notes:
RBI has the legal right to issue all currency notes except one rupee note and subsidiary coins. The finance ministry is authorized to issue one rupee note and subsidiary coins. A proportional value of gold and foreign exchange are kept as reserve for issuing notes.

Controller of credit:
The availability money supply in the economy increases when the RBI issues and distributes currency notes and also by loans. Controlling credit is an important function of RBI. This is done by changing the rate of interest. When the rate of interest increases, the amount of loan decreases. Rate of interest decreases and the amount of loan increases.

government’s Bank:
The RBI acts the bank of both the Central Government and the State Governments. As per this, the RBI accepts deposits from central and state governments, gives them loans and other banking services, The Reserve Bank does not accept any remuneration for these services for the governments.

Bankers’s Bank:
Reserve Bank controls all the banks. It is the functions of the RBI to help in the operations of other banks and to advise them when needed. It regulates commercial banks and help them in emergency.
Thus the RBI acts as the last resort of all the other banks in monetary matters.

Question 42.
Explain the basic functions performed by banks.
Answer:
Banks are those institutions which accept deposits from the public and lend out money to the borrower on certain conditions. They operate on the basis of common bye-law and criteria prepared by the Reserve Bank of India.

Banks accept deposits from people, institutions, and government and disburse this amount as loans to people, institutions and government. The banks take back the loan amount with interest after a particular period and repay the depositors with interest. Thus the banks acts as the intermediary between borrowers and lenders.

Question 43.
Mahila banks, Payment banks, and Mudra banks have recently entered the banking sector. Write their aims.
Answer:
Mahila banks, Payment banks, and Mudra banks are the new entrants in the banking sector formed for specific purposes.
Mahila Bank:
The slogan of Mahila bank is ‘Empowering Women, Empowering India’. The bank accepts deposits from everyone, but lending is predominantly for women.
Payment Bank:
Payment banks are set up to help low-income groups, small scale industrialists and migrant laborers. They do not undertake all the services rendered by banks.
Mudra bank:
Mudra banks are set up to provide small credit (up to ? 10 lakh), especially in agriculture and self-employment sector. It provides financial assistance to small entrepreneurs and microfinance.

Question 44.
Evaluate how microfinance is beneficial to common people?
Answer:
The objective of microfinance is ‘to provide financial services to common people including small lendings. It helps to promote saving habits and self-employment. activities among the poor. This helps members to avail themselves of loans without providing any collaterals. Kudumbasree and Self Help Group for men are examples for this.
Aims of microfinance:

1. Promotes saving habits.
2. Helps to improve the standard of living of the poor.
3. Helps to mobilize fund from individuals and use it for collective economic activities.
4. Individual abilities are used for the benefit of the group.
5. Gives loans to members when required.
6. Sets up small enterprises.

Question 45. (Qn. Pool-2017)
List the various types of banks that function in your area.
Answer:
Commercial bank SBI, Federal bank, Co-operative banks.

Question 46.
Who is responsible for issuing one rupee note and its subsidiary coins?
Answer:
Central Finance Department

Question 47.
A measure adopted by the Reserve Bank to Control Credit is ……………
a. To abolish tax
b. To bring stringent measures
c. To incerease tax rate
d. To reduce tax rate
Answer:
c. To increase tax rate

Question 48.
Which is the largest commercial bank in India?
Answer:
State Bank of India

Question 49.
Differentiate public sector commercial banks and private sector commercial banks.
Answer:
Public Sector Banks are totally under the ownership of the government. The ownership of the private sector bank is with private individuals.

Question 50.
What type of Banks are called private foreign commercial banks?
Answer:
Banks which have registered in India but have headquarters in a foreign country.

Question 51.
The statement given below belongs to which type of deposit?
“The interest rate is calculated on the basis of the time period for which the money is deposited.”
a. Savings Deposit
b. Current Deposit
c. Fixed Deposit
d. Recurring Deposit
Answer:
c. Fixed Deposit

Question 52.
Elucidate Cash Credit.
Answer:
Cash credit are loans provided by banks to institutions accepting collateral and salary certificate.

Question 53.
What is the name of the facility provided by the bank to withdraw more money than in the account?
Answer:
Overdraft

Question 54.
What is mail transfer?
Answer:
Facility provided by the bank to send money to one’s own account or its others account from anywhere in the world is mail transfer.

Question 55.
Differentiate Banks and non-banking financial institutions.
Answer:
Non-banking financial institutions do not provide facilities like withdrawal of cash by cheque, mail transfer, lockers, etc.

Question 56.
List down the name of two mutual fund institutions functioning in India.
Answer:
Unit Trust of India
Life Insurance Corporation Mutual Fund

Question 57.
Explain the functioning of Kudumbasree and Men self-help group.
Answer:
At least 20 women/men of a locality join to form small groups. Each member deposits a fixed amount. Banks provide loans at a lower rate to these groups. The funds thus collected will be distributed among the members who need it or start small scale enterprises.

Question 58. (Qn. Pool-2017)
Write a note on the functioning of banks.
Answer:
Accepting deposits, providing loans. Providing locker facilities for safekeeping issuing checks and demand drafts. ATM, CDM, Netbanking and care banking facilities.

Question 59.
Bank nationalization strengthened the banking sector in India. Give your opinion on this statement.
Answer:
The major banks in India were nationalized with the view that banks should operate with the view that banks should operate with the aim of social progress with nationalization banking sector strengthened with more government control and banking spread to rural areas.

Question 60.
What are newb generation banks? How are they different from other banks?
Answer:
Banks that started after 1991. Mainly city-centered. New management and functions with modern technologies.

Question 61.
Explain the important functions of commercial banks.
Answer:
Two important functions of the banks are accepting deposits and granting loans. Deposits are classified into savings deposit. Which is aimed to encourage saving habits. Current deposits which is used by industrial and traders fixed deposit with more interest and recurring deposits. Banks give loans of different types for various purposes. Some are short terms and some are long-terms loans are granted on the basis of asset security or personal security.

Question 62.
Prepare a short note on public sector commercial banks.
Answer:
Commercial banks functions in the public sector and private sector. The banks which are under government control are called public sector banks. They accept
deposit, provide loans, locker facilities, net banking, care banking facilities are provided.

Question 63.
Write about the different of deposits in commercial banks and their features.
Answer:
Deposits are of mainly four types savings deposits. Ant one can open on account any amount can be deposited and withdraw comparatively low interest.
Current deposit: This deposits facility depositing and withdrawing many times in a day. Used mainly by traders and industrialists. No interest.
Fixed deposit: Ideal for depositing money for a fixed period. Comparatively high interest.
Recurring deposit: A specific amount is deposited every month for a fixed period of time. Receives high rate of interest.

Question 64.
Explain the grounds under which overdrafts are issued.
Answer:
Overdraft is a credit facility provided to individuals by banks. This allows an account holder who have frequent transactions to withdraw an amount over and above the balance in the account.

Question 65.
The upcoming trends in banking sector makes banking more people-friendly.
Answer:
Electronic banking is a method by which all transactions can be carried out through not banking and telebanking. Its features are money can be sent and bills can be paid anywhere in the world. Saves time and low service charges.
Core banking: Core banking is the facility which is arranged in such a way that the branches of all banks are brought under a control server. This facility helps and individual to send money to his account from anywhere.

Question 66.
Cooperation, self-help, and mutual help are the working principles of Co-operative banks.’To what extent did the objectives of Co-operative Banks justify this? Write your inferences.
Answer:
Provide loans to the public, protect the villages from private money lenders, provide loans at low-interest rates, encourage saving habits amoung people. Co¬operative banks have strengthened banking activities in remote areas.

Question 67.
Which are the different levels of the co-operative banks? Write their different type of functions.
Answer:
State Co-operative Banks. Apex body in the state Co-operative sector. Provides financial assistance to district Co-operative banks and primary Cooperative banks.
District Co-operative banks operate at district centres. Provides assistance and guidance toprimary Co-operaitve banks.
Primary Co-operative banks Function in villages area of functions is limited. Encourage saving habit in villagers. Provides loansto villages at low interest rates.

Question 68.
Write a short note on the development banks.
Answer:
Development banks provide long term loans for various needs such as modernisation of industries. There banks work as an agent that helps in the development of different sectors. Provide loans for construction of house small scale industry and infrastructure development. .

Question 69.
What are specified banks? Write examples for them.
Answer:
Specified banks provide financial help for the development of certian sectors.
e.g: Exim bank, Small Industries Devlopment Banks, NABARD

Question 70.
Write down the features of the specialized banks given below.
1. Exim bank of India
2. Indian Small Scale Industries Development Bank
3. NABARD
Answer:
Exim Bank (Export-Import Bank) : Provides loans for exporting and importing products Provides instructions to individuals who come into this sector
Small Industries Development Bank of India (SIDBI) : Provides help to establish new small scale industries and modernizing existing industries Aimc is to vitalizes.
National Bank for Agricultural and Rural Development (NABARD) : Apex bank in India which functions for the development of villages and agriculture Unites all the banks which operate for the development of villages Provides financial assistance to agriculture handicraft small scale industries etc.

Question 71.
What is the slogan of Bharathiya Mahila Bank? What is its contemporary significance?
Answer:
In the contemporary world Bharathiya Mahila Bank plays a significant role in helping women to become self-reliant.

Question 72.
What are payment banks? Write down their features.
Answer:
Payment Banks have been established to help the low-income groups small scale industrialists and migrated employees.
The main features are
1. Accept deposit up to only one lakh rupees from individuals.
2. Provide interest on deposits as specified by the Reserve Bank of India.
3. Do not provide loans.
4. Charge a specific fee as commission for bank transactions.
5. Debit card will be provided but no credit card.

Question 73.
What are non-banking institutions? Why are the following institutions non-banking institutions?
1. Mutual fund institutions
2. Insurance companies
Answer:
Non-Banking financial institutions that operate under the supervision of the Reserve Bank of India. They are registered under the Company Act 1936 and carry out the basic functions of the Banks. Mutual fund institutions and insurance companies are non-banking financial companies because they do not carry out all the functions of Banking institutions

Question 74.
Which are the Mutual fund institutions that function in the Public and Private sectors?
Answer:
SBI Mutual Fund LIC Mutual Fund ICICI Mutual Fund HDFC Mutual Fund

Question 75.
Which is the major institution in India, that functions for the protection of the health and life of the individuals?
Answer:
Self-help groups are formed to encourage saving habits among low-income groups in the society and to seek self employment. Men/women in a locality join together and form small groups, normally 20 members. Each member invest a fixed amount in the group and with the help of Bank loans are provided to member at low rate to find self-employment.

Students can Download Social Science Part 2 Chapter 9 Financial Institutions and Services Questions and Answers, Summary, Notes Pdf, Activity in Malayalam Medium, Kerala Syllabus 10th Standard Social Science Solutions helps you to revise the complete Kerala State Syllabus and score more marks in your examinations.

Kerala State Syllabus Class 10th Standard Social Science Geography Chapter 9 Notes Malayalam Medium ധനകാര്യ സ്ഥാപനങ്ങളും സേവനങ്ങളും

Financial Institutions and Services Textbook Questions and Answers in Malayalam

Students can Download Social Science Part 2 Chapter 9 Economic Systems and Economic Policies Questions and Answers, Summary, Notes Pdf, Activity in Malayalam Medium, Kerala Syllabus 9th Standard Social Science Solutions helps you to revise the complete Kerala State Syllabus and score more marks in your examinations.

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Students can Download Social Science Part 1 Chapter 11 Sociology: What? Why? Questions and Answers, Summary, Notes Pdf, Activity in Malayalam Medium, Kerala Syllabus 10th Standard Social Science Solutions helps you to revise the complete Kerala State Syllabus and score more marks in your examinations.

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You can Download Public Administration Questions and Answers, Summary, Activity, Notes, Kerala Syllabus 10th Standard Social Science Solutions Part 1 Chapter 3 help you to revise complete Syllabus and score more marks in your examinations.

Kerala State Syllabus 10th Standard Social Science Part 1  Chapter 3 Public Administration Questions and Answers

SSLC History Chapter 3 Notes

Question 1.
Some of government institutions and their functions are given below. Expand the table by writing more.
Answer:

Institutions	Functions
Primary health center	Provide treatment facilities
Krishi bhavan	Promotes agriculture
Police station	Maintains law and order
Schools	Provide learning opportunities
Post offices	Provide communications
Courts	Protecting liberties and rights

Question 2.
Discuss and list out the changes in the objectives of public administration in monarchy and democracy.
Answer:

Monarchy	Democracy
Completely under king.	Values on the human rights, liberty and democracy
Law is the king	Ensures man’s liberty
King is last and cannot be questioned	Humans are given complete control
Ruler may be from selected families	All are given chances to vote and elect

Question 3.
Whom do you wish to get the services of public administration? Discuss in your class and write your conclusion.
Answer:
The main aim of public administration is to ensure equality and justice to all is, especially, the deprived society. Government has taken measures for the social safety and enlistment. Crores are spent for the purpose. But corruption and political intervention are a hindrance.

• Justice for the deserved.
• Education, employment and treatment facilities for the deprived ones.
• Control the cost of commodities.
• Strict laws for the upliftment of women.
• I believe these to be the main aims of public administration.

Question 4.
Visit a nearby Government. Office and prepare a report on the features of bureaucracy there.
Answer:
Bureaucracy is the main weapon of the government. They play various responsibilities. Employee may be highly experienced as they serve for long years. Ministers are the heads. Employees influence the decisions of the government. Though the ruling party changes, bureaucracy remains the same. Employees help the ministers in order to execute plans.

Question 5.
Discuss and prepare a note on the changes to be brought in the administrative system.
Answer:

• Ensure justice and equal rights to all sections of the society.
• Create corruption free administration and responsibility among the workers.
• Constitution must be to save the victims and punish culprits.
• Government service must be reached at fixed time.
• Protect the rights of women and ensure their safety.
• Ensure the welfare of all.

Question 6.
How far the Right to Information Act make the general administration system efficient. Evaluate.
Answer:
In 2005, RTI Act was passed by the parliament. To get information is the fundamental right of all citizens. The main objectives of this Act are to prevent corruption, create responsibility and make the functioning of the government transparent. The citizens will get copies of public documents if they apply for them.

Question 7.
What are the situations in our society where the Right to Information Act can be positively used? Discuss and prepare a note.
Answer:
In 2005, RTI Act was passed by the parliament. To get information is the fundamental right of all citizens. RTI Act is helpful socially, for all the subjects, quickly in our society.
Example: Waiting for the results after University Exam if delayed, RTI commission could be approached :

• To get information about certain legal affairs.
• Any problems concerned with government.

Question 8.
Discuss whether the Right to Service Act is helpful for the people to get the service they should obtain from Government offices.
Answer:
The responsible employer would have to pay the penalty if he fails in his duty. So, the people can get the service from Government offices at the right time.

Question 9.
What is the use of Ombudsman to the public? Prepare a note.
Answer:
Elected representatives and bureaucrats are part of administration. Complaints are filed against their corruptions to Ombudsman. People can directly approach Ombudsman with complaints.

Question 10.
Can we make Government services transparent and corruption free through the above mentioned system? Conduct a debate.
Answer:
For:

• Need not wait in Government offices for services.
• Receives Govt, service with less expense and quickly.
• Increases the efficiency and excellence of services.
• Receives feedback quickly.

Against:

• Is completely hidden in files.
• Life is free of corruption.
• Govt, services are obtained based on the financial status.

Public Administration Let Us Assess

Question 1.
Explain the need of public administration in a country?
Answer:
Public administration is related to governmental administration. It is the effective way of utilizing men and materials for implementing the existing law policies and developmental projects. Primary Health Centers, Police station Krishi Bhavan, Village office, Corporation office, Election Commission, and other government organisations are all the parts of public administration.

The responsibilities of these institutions must be strictly executed for the public welfare.There must be an accurate method of public administration for all the sectors of people in our country. The following is a list of a few public administration.

Centers and their duties are given:
1. Vanitha Commission: Ensures the rights and welfare of women.

2. Election Commission: Relates with the election procedures.

3. Human Rights Commission: Protects the rights of men.

4. Village office: Ensures the primary needs of people.

Question 2.
How are employees selected in a public administration system?
Answer:
Certain methods are adopted in the selection of employees to the public administrative system in India. The first step is the notification through Public Service Commission of India.Through this, the vacancies in various sections of governments are made known to the public. Later, through the exam conducted on the date notified or on the basis of interviews, candidates are selected and appointed.

Civil Service began during the British rule. It came to be the Civil Service of India after Independence. All the employees who work under the central and state governments and the employees under public sector undertakings are a part of India’s Civil Service. It is divided into All India Service, Central Service and State Service. The selection procedures of employees to these are given below.

All India Service:

• Recruits at national level.
• Appoints in Central Service or State Service.
  eg: IAS, IPS.

Central Service:

•  Recruits at national level.
•  Appoints in central government department only.
  eg: Indian Foreign Service, Indian Railway Service.

State Service:

• Recruits at State level
• Appoints in state government department
  eg: Sales Tax officer.

Candidates to All India Services and Central Services are recruited by the Union Public Service Commission (UPSC). The chairman and members of this commission are selected by the President of India. The UPSC has elaborate mechanisms for the selection based on qualifications.

In the state level, candidates are recruited by the Public Service Commission (PSC) of the state. The governor appoints the Chairman and the member of the State Public Service Commission. UPSC and state PSCs are on the basis of constitutional provisions and can be called constitutional institutions.

Question 3.
What are the features of bureaucracy ?
Answer:
Hierarchical organisation:
Bureaucracy is organised in such a way that there is one employee at the top and the number increases, when it reaches the lower levels. This is known as hierarchical organisation.

Permanence:
Persons appointed will continue in service till the age of retirement.

Appointment based on qualification:
Employees are recruited and appointed on the basis of educational qualification.

Political Neutrality:
Bureaucrats are liable to implement the policies of which ever party comes to power. Party interests should not reflect in their work.

Professionalism:
Every government employee must be skilled in their work.

Question 4.
Classify the bureaucracy in India and explain ?
Answer:
Kerala Public Service Commission notifies for the recruitment of employees to the government service. Then candidates are selected on the basis of competitive examinations and interviews and are appointed in different government sectors. All those appointed in this way become a part of the civil service of India.

The aim of it is to bring welfare programmers speedily to all. Now there are specific services at the central and state levels. All the employees who work under public sector undertakings are the part of India’s civil service. There are All India services, central services and state services.

Question 5.
What are the measures taken for the administrative reforms in India? Prepare a note.
Answer:
Government has taken a number of steps to increase the efficiency of services and to provide service to people within a time limit. This is called as administrative reforms. It makes the administration friendly and effective. Administrative reform commissions are made at national and state levels. Here are some steps taken for the reformation in our country.

E-Governance:
The single window system for Higher Secondary education, online applications for several scholarships etc are example of E-Governance. The use of electronic technology has helped to obtain the services of government effectively in a faster way.

Right to Information:
Every citizen has the right to collect the information from any government office about its working. This is under the Right to Information Act in 2005. The efforts of Mazdoor Kiran Shakthi Samghathan of Rajasthan led to this Act. The interventions of several organisations and social activities helped in passing this Act in 2005. The Right to Information ensures the right of all citizens of India to receive information.

Information Commission:
Files documents, circulars, memos, advice or orders, agreements statistics, reports, log books, press notes, samples, models, information in the form of electronic data, e-mail etc. related to government offices belong to public departments. Information commission helps to know everything.To perform the functions under the Right to information Act, Information Commissions are constituted at National and state levels.

A chief Information Commissioner and members not more than ten are in the Information Commission. If the information given is wrong and unsatisfactory we have the right to approach the Information Commission. If the commission is convinced a fine of Rs. 250 can be imposed on the employee.

Right to Service:
This ensures service to the people. This law determines the time limit for every service given by a government office. If the deserved service is not given within the time limit the responsible employee should pay fine. As per the Right to Service, an officer is appointed to give proper guidance and help to the applicants.

Lokpal and Lokayuktha:
These are the institutions to prevent corruption at administrative, bureaucratic and political levels. Lokpal has the power to register cases on issues of corruption against public workers and then suggest necessary actions. Lokayuktha hears the corruption cases at the state level. Both follow judicial procedures.

Central Vigilance Commission:
This is constituted at the national level to prevent corruption. It came in to force in 1964. It was formed to prevent corruption at central government offices.

Ombudsman:
Complaints of corruption against the elected representatives and bureaucrats who are a part of public administration are filed to ombudsman. A retired Judge of the High Court is appointed as Ombudsman. People can directly approach the Ombudsman with complaints.

He has the power to summon anyone on receiving the complaints, can order inquiry and recommend actions. Ombudsman began in the banking sector to hear the complaints of clients and rectify them.These actions recommended for the welfare of people as a part of administration maintains the public administration more trans parent.

Question 6.
How is E-Governance helpful to the public?
Answer:

• Need not wait in the government offices for services.
• Can receive service with the help of information technology.
• It services offers fast and at less expense.
• Enhances efficiency of offices and quality of the service.

Question 7.
Right to Information and Right to Service help to make public administration popular. Substantiate this statement.
Answer:
We can collect information from any government office about its working. People got this opportunity under the right to information act, 2005. This ensures the right of all citizens of India to receive information. The main objectives of this act are to prevent corruption, create responsibility and make the functioning of government transparent.

The citizens will get copies of public documents if they apply for them. Right to Service act is a law which ensures services to the public. As per the Right to Service Act, an officer is appointed in every government office to give guidance and proper help to the applicants. That is Right to Information and Right to Service helps to make public administration popular.

Question 8.
List out the steps taken to prevent corruption in India.
Answer:
1. Lokpal and Lokayuktha
2. Central vigilance commission
3. Ombudsman.

Public Administration Extended Activities

Question 1.
Prepare an application for getting information from an office under the Right to Information Act.
Answer:
From
Madhavan
Mahal Nivas
Ollavanna

To
Secretary
Grama Panchayath
Ollavanna

Based on RTI Act of 2005
Sir,
Sub: Amount spent for the electrification of houses for schedule tribes in the year 2015-16.
Could you kindly give details about how many applicants there were and how many money was spent in previous years. Expecting the reply within 15 days.
Ollavanna — Madhava
25/08/19  —  sd/-

Question 2.
Prepare a chart o the importance of All India Services.
Answer:
All the employees who work under the central and the state governments and the employees under the public sector under takings are part of India’s civil service. India’s civil service classification as All India Service, Central Service ans State Service.

All India Service.
Recruits at National level.
Appoints in the central or state service.
The UPSC has elaborate mechanisms for the recruitment of candidates based on qualification.
e.g., Indian Administrative Service.
Indian Foreign Service.
Indian Police Service.

Question 3.
Prepare a questionnaire to conduct an interview with the District Collector.
Answer:
Interview with kozhikode District Collector.

Sir, could you please share with me the inspiration behind your selection this position?

What were the changes you have thought to bring in Kozhikode before becoming the District Collector?

Sir, even in the presence of Lokpal, Lokayuktha, Central Vigilance Commission, Ombudsman being launched against corruption still corruption exists in Kerala. Don’t you long for a change ? How do you react as a district collector?

Sir, hope you have noted that vegetables from Tamil Nadu were sold less here in the Onam season. Do you expect the same for Vishu? As a District Collector, what all steps would you take to improve the agriculture sector of Kerala?

Though Kerala has developed in the educational field, the number of suicidal attempts have also increased. A change in our educational system is unavoidable. Sir, what all changes could be made possible?

Sir, M. C. Noufal was arrested here in Kozhikode for raping a woman from Bangladesh. Though many were arrested they were refused saved. Let me ask you sir with due respect, don’t you long for a change in the system of punishment here ?

Public Administration Orukkam Questions and Answers

Question 1.
List out the changes and objectives of public Administrative in monarchy and democracy.
Monarchy – The interest of the Monarch were the basis of public administration.
Democracy –
Answer:

Democracy – Importance is given to the interests of the people.

Question 2.
Complete the diagram showing the importance of public administration
Answer:

• Formulate government policies.
• Ensure welfare of the people.
• Find out solutions to public issues.
• Provides goods and services.

Question 3.
Some features of public administration are given in column A. Find out the definitions of each one of them in column B.
i. Hierarchical Organisation – one employee at the top and the number increases when it reaches the lower levels.
ii. Permanence- i
iii.Appointment on the Basic of qualification- iii
iv. Political Neutrality – iii.
x Professionalism – iv
Answer:
i. Permanence – Persons appointed will continue in service till the age of retirement.
ii. Appointment on the basis of qualification- Employees are recruited and appointed on the basis of educational qualification.
iii. Political Neutrality – Bureaucrats are liable to implement the policies of which ever party comes to power. Party inters ts should not reflect in their work. They should act neutrally.
iv. Professionalism – Every government employee must be skilled in their work.

Question 4.
Find out the functions of the following constitutional institutions.
1. State public service commission.
2. Union Public Service Commission.
Answer:
1. State Public Service Commission – At the state level, candidates are recruited by the public service commission of the state.

2. Union Public Service Commission- Candidates to all India services and central services are recruited by the Indian Public service commission.

Question 5.
Complete the short showing the classification of India’s Civil Service.
All India Service
Central Service
State Service
Answer:
All India Service: Recruits at national level, Appoints in the central or state service.
Eg: Indian Administrative Service, Indian Police.

Central Service : Recruits at national level, Appoints in central government departments only.
Eg: Indian foreign service, Indian Railway Service.

State Service: Recruits at state level, Appoints in state government departments only.
Eg: Sales Tax Officer

Question 6.
Find out and list the benefits of E – Governance to Public.
Need not to wait in government offices for services.
Answer:

• Can receive service with the help of information technology.
• Government services offered speedily and with less expense.
• Efficiency of the offices and quality of the service get enhanced.

Question 7.
Prepare a sample applications of Right to Information Act 2005
Answer:
From
Smitha Vijayan
DeviVihar
Arppookara

To
Secretary
Grama panchayath
Arpookara

Sir,
I request you to furnish information regarding the following questions under the right to information act 2005.

• In the academic year 2015-2016 what is the amount of money taken from the fund for the constriction of houses for the backward castes in arpookara grama panchayath.
• What was the amount of money spent in the past years for this purpose.
• Expecting reply within 15 days.

Question 8.
Lokpal, and Lokayukta are institutions constituted to prevent corruption at administrative, bureacrative and political level, find out the features and complete the chart.

Answer:

Lokpal	Lokayukta
The institution constituted at national level to prevent corruption is called Lokpal.	Lokayukta is the institution constituted at the state level to hear the corruption cases.
Lokpal has the power to register cases on issues of corruption against employees and pub lie workers and can suggest necessary actions.	Follow judicial Procedures.

Question 9.
Right to service Act is a law which ensures services to the people. Find out and list the treasures of Right to service Act. This law determines the time limit for every service given by a government office.
Answer:

• If the deserved service is not given within this time limit, the responsible employee should pay a fine.
• An officer is appointed in every government office to give guidance and proper help to the applicants.

Question 10.
Compare and the list out central vigilance commission and state vigilance commission.
Answer:
Central Vigilance Commission :
The Central Vigilance Commission constituted at national level to prevent Corruption, Central Vigilance Commission, it came into effect into 1964, Formed to prevent corruption in central government offices, in every department there will be a chief vigilance officer.

State Vigilance Commission :
Constituted at State level to prevent corruption, Inquires in to corruption in the state government offices.

Question 11.
Complete the diagram of administrative reform measures adopted by the government.

Answer:

• Right to information.
• Information commission.
• Lokpal and lokayuktha.

12. Complete the concept map given below.

Answer:

• Create responsibility
• The citizen will get copies of public documents if they apply for them.

Public Administration Evaluation Questions

Question 1.
‘Public Administration is about Governmental Administration’ on the basis of Gladden’s definition examine the features of public administration.
Answer:
From the definition of Gladden we can under stand that the important area of public administration is governmental administration. Public administration is the effective utilization of men and materials for the implementation of existing laws, governmental policies, programmer and developmental projects. Government try to find the solutions to various problems and ensure the welfare of the people through public administration.
Significance of Public administration.

• Formulate government policies.
• Provide goods and services.
• Ensure welfare the people.
• Find out solutions to public issues.

Question 2.
Explain Gandhiji’s vision on public administration.
Answer:
Gandhiji expected the protection of the interests of all through public administration. But there are a number of persons in our society who require special consideration and protection. Fie opined that public administration should consider them specially and protect them. Gandhiji’s concept of Grama Swaraj influenced India’s outlook of public administration to a great extent.

Question 3.
Define Bureaucracy. Examine the features of Bureaucracy?
Answer:
The employees who work under public administrative system are together known as Bureaucracy.

Features of Bureaucracy:
Hierarchical Organisation:
Bureaucracy is organised in such a way that there is one employee at the top and the number increases when it reaches the lower levels. This is known as Hierarchical organisation.

Permanance:
Persons appointed will continue in service till the age of retirement. Appointment on the basis of qualification Employees are recruited and appointed on the basis of educational qualification.

Political Neutrality:
Bureaucrats are liable to implement the policies of whichever party comes to power. Party interests should not reflect in their work.They should act neutrally.

Professionalism:
Every Government employee must be skilled in their work.

Question 4.
Name of the feature of bureaucracy which intercepts quick decisions.
a. Political Neutrality.
b.Professionalism.
c. Permanence.
d. Hierarchical organisation.
Answer:.
Hierarchical Organisation.

Question 5.
The Rajasthan based organisation paved the way for the legislation of right to Information Act.
a. Narmada Bachao Andolan.
b. Swabhimana Prasthanam
c. Mazdoor Kisan sakthi Sangathan.
d. Bharatiya Kissan Union.
Answer:
Mazdoor Kisan Shakti Sangathan.

Question 6.
Write a short note on the functions of central and state information commission.
Answer:
To perform the functions under the right to information act, Information Commissions are constituted at national and state levels.

Question 7.
State level organisation to prevent corruption at administrative, bureaucratize and political levels
a. Lokpal b. Lokayuktha
c. Central Vigilance Commission d Child rights commission
Answer:
Lokyukta

Question 8.
Match the items of column A with B

A	B
1. All India Service	i. Sales Tax Officer
2.Central Service	ii. Indian Police Service
3.State Service	iii.Indian Railway Service

Answer:
1-ii,
2-iii,
3-i.

Question 9.
The Institution constituted at the national level to prevent corruption in 1964
a. NitiAyog.
b. Administrative Tribunal.
c. Central Information Commission.
d. Central Vigilance Commission.
Answer:
Central Vigilance Commission.

Question 10.
UPSC and PSC are caused constitutional institutions why?
Answer:
UPSC( Union Public Service Commission) and state PSC are constituted on the basic of constitutional provisions.So they are called constitutional institutions.

Question 11.
Define E-Governance and write down two examples of E – Governance.
Answer:
E- governance is the use of electronic technology in administration . This help to obtain government services easily in a speedy manner. The single window system for admission to higher secondary courses, Online applications for various scholarships etc are exam pies for E- governance.

Question 12.
Explain different administrative reforms adopted by government for increasing the affiance of service.
Answer:
information Commission:
To perform the functions under the right to information act, In formation Commissions are constituted at the national and state levels. There will be a chief Information commission and not more than ten members in the Information Com mission.

Central Vigilance Commission:
The Central Vigilance Commission is the institution constituted at the national level to prevent corruption. It came into effect in 1964. It is formed to prevent corruption in the central government offices.The Central Vigilance Commissioner is the head of the Central Vigilance Commission.

Lokpal and Lokayuktha:
Lokpal and lokayuktha are institutions constituted to prevent corruption at administrative, bureaucratic and political levels, the institution constituted at the national level to prevent corruption is lokpal.

Lokpal has the power to register cases on issues of corruption against employees and public workers and can suggest necessary actions. Lokayukta is the institution constituted at the state level to hear the corruption cases.

Ombudsman:
Elected representatives and bureaucrats are part of public administration. Complaints can be filed against their corruption,nepotism or financial misappropriation or negligence of duties. Ombudsman is constituted for this purpose.

Public Administration SCERT Questions and Answers

Question 1.
Pick out any two public administration institutions and write about their functions.
Answer:

Institution	Functions
a. Krishi Bhavan	Promotes agriculture
b. Police Station	Maintains law and order
c. Primary health center	Provides treatment for illness

Question 2.
What are the differences found in the public administration under monarchy and democracy?
Answer:

• In monarchy, the interest of the monarch is the basis of public administration,
• In democracy importance is given to the interests of the people.

Question 3.
Explain the importance of public administration.
Answer:

• Ensures welfare of people
• Formulates government policies
• Provides goods and services
• Finds out solution for public grievances

Question 4.
Explain the importance of bureaucracy in public administration.
Answer:

• Makes the public administration system dynamic,
• Services of the government made accessible to the people ,
• Performs the day- to-day administration of the country.

Question 5.
What is meant by hierarchical organisation and permanence of bureaucracy.
Answer:

• Organization made up of one employee at the top and more towards the bottom.
• Persons once appointed as employee will continue in service till the age of retirement. This is permanency.

Question 6.
Prepare a note on civil service in India.
Answer:

• All India service
• Central services
• Stateservice. Explain hints

Question 7.
Why PSC and UPSC are called as constitutional institutions?
Answer:
UPSC and PSC are constituted on the basis of constitutional provisions. So they are cal led as constitutional institutions.

Question 8.
Find out the factors that adversely affect the efficiency of public administration.
Answer:

• Inefficiency of bureaucracy,
• Corruption
• Shortage of employees

Question 9.
Write a brief note on e-Governance implemented as part of administrative reforms?
Answer:

• e-Governance is the use of electronic technology in administration. This helps people to obtain government services quickly and easily .
• Information technology is used in the field of public service.
• Government service is made available less expensively expensively

Question 10.
A road constructed before six months in your place is damaged now. You became aware that there is some corruption, Prepare an application under Right to Information Act addressing panchayat secretary to get the details of it.
Answer:
To Prepare an application under the RTI Act.

Question 11.
What are the benefits attained by society as a result of formulation of the Right to Information Act.
Answer:

• Controlled corruption,
• Increased the responsibility of bureaucrats,
• Functioning of government became transparent.

Question 12.
Explain the structure of Information Commission?
Answer:

• Central Information Commission,
• Chief Information Commissioner and not more than ten members,
• State Information Commission.

Question 13.
How the Right to Service Act is helpful to people?
Answer:

• Ensures government services to people.
• Gets service within time limit.
• Employee should pay fine in case of delay.
• Appoints an officer in charge as per Right to Service Act in all offices to give service.

Question 14.
Differentiate the functioning of Lokpal and Lokayuktha?
Answer:
Lokpal:

• Institution constituted to prevent corruption charges at national level
• Has the power to register cases of corruption against employees and public workers.

Lokayuktha :

• Constituted at state level to hear corruption cases.
• Follow Judicial procedures

Question 15.
From the following select the statement appropriate to central vigilance commission and state vigilance commission?
a. Esquires about corruption in state government offices.
b. Institution to prevent corruption at national level.
Answer:
a. State vigilance commission .
b. Central vigilance commission

Question 16.
How the functioning of Ombudsman helps the public to prevent corruption.
Answer:

• Complaints against corruption among elected representatives and bureaucrats can be filed in Ombudsman,
• People can directly approach Ombudsman to give complaints.
• Ombudsman can enquirer into such complaints and recommend actions.

Question 17.
Compare and list the different levels of civil services in India.
Answer:

• All India Service
• Central Service
• State Service

Question 18.
What is considered as corruption by modern society?
Answer:

• Delayed service, Denial of right to service is corruption.
• Making service as a favor.

Public Administration Exam Oriented Questions and Answers

Question 1.
The chairman and the members of this commission are appointed by
Answer:
The president of India

NSUI full form stands for National Students’ Union of India.

Question 2.
What is the full form of U. P. S.C ?
Answer:
Union Public Service Commission.

Question 3.
In which year Central Vigilance Commission come into effect ?
Answer:
1964

Question 4.
Write a note on Akshaya Center and E-literacy.
Answer:
For the benefit of people, Akshaya centers have been constituted to make use of Government service delivered through E – governance. It also aims at making people E-literate. E – literacy is the awareness about basic information about technology.

Question 5.
Prepare a seminar report on the importance of public administration.
Answer:
Without public administration, the government cannot operate and manage activities effectively and efficiently. The administration plays a vital role for delivering and distributing the public services to all comers of the country.

Administration spreads all over the country for supplying the governmental and public goods and services up to the villages and door to door. The administration is not operating and managing the activities properly and smoothly in developing countries. The scopes of administration shows the importance of public administration.

Following are the importance of Public Administration:
Management of Public Service, Distribution Social Change, Disaster Management, Population Control, Preservation of Human Right, Management of Industrial Relationship, Internal and External attached Economic Development. These points show that the administration is used all over the sections of the country.

Question 6.
Write a note on Administrative Tribunal.
Answer:
Actions are taken by various government departments against the government officials. The Administrative Tribunal is the institution where the employees can lodge their complaints against such actions. ”

Question 7.
The famous western administrative thinker Gladden says “ Public administration is concerned with an administration of the government”. On the basis of this definition, explain the relationship between Public administration and the government.
Answer:
From this definition we can understand that the important area of public administration is governmental administration. Public administration is the effective utilization of men and materials for the implementation of existing laws, governmental policies, programmers and developmental projects and the government has constituted a number of institutions for this purpose. All these governmental institutions are part of public administration. They function for the welfare of the people.

An administrative system is needed for governments to exist and function. The history of public administration begins with the formation of state. Based on differences in the form of government we can find differences in public administration also. In a monarchy, the interests of the monarch was the basis of public administration. But in a democratic system, importance is given to the interests of the people. Democratic administration becomes more effective and efficient through public administration.