Tuesday, 1 April 2014

Bank Interview Question : Wat is difference b/w Cheque & Demand Draft?

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Ques ) What is the difference between Cheque and Demand Draft?
Ans : Cheque:  Cheuqe is a negotiable instrument instructing a bank to pay a specific amount from a specific account held in the maker/depositor name with that Bank.

Demand Draft : A demand draft is an instrument used for effecting transfer of money. It is a negotiable instrument.

Ques : Oldest Banks In India ? 
Ans : In 1839, some Indian merchants in Calcutta established India's first bank known as "Union Bank", but it could not survive for long and failed in 1848 due to economic crisis of 1848-49.

Similarly, in 1863, "Bank of Upper India" was formed but it failed in 1913.

In 1865, "Allahabad Bank" was established as a joint stock bank. This bank has survived till date and is now considered as the oldest surviving bank in India.

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