Saturday, April 25, 2015

Day 12 - Questions Postponed


Bankoncepts Study Plan - Day 12

Topic - Basel
Note - Since this is an important topic and we haven't provided any article, Day 12 question set (April 25) is postponed. You will be notified in due time.

Next question set - Day 13 will be published in Monday, April 27.

You can revise the previous topics (Day 1 - 11) from here -
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New PSL Norms



RBI changed Priority Sector Lending (PSL) norms

In previous article on Priority Sector Lending, we have discussed about the new proposals which could be adopted by RBI. Today, on April 24, 2015, RBI has revised the PSL norms. We have categorized the norms sector-wise for better understanding.



1.  Agriculture and Allied Activities

  • The new norm requires banks to ensure that 8 % of their lending shall go to small and marginal farmers.
  • Earlier, there were sub-limits for direct lending and indirect lending to agriculture. These two segments now have been mergedmaking it easier for banks to achieve the sub-target of 18 % for agricultural activities. Large loans to food industry are also now covered under agriculture sector.



2.  Micro and Small Enterprises

  • Banks now have to lend 7.5 % of their loans to the micro enterprises, as proposed.


3.  Education
  • Loans up to Rs. 10 lakh, including vocational courses, irrespective of the sanctioned amount, will be considered as part of PSL.


4.  Housing
  • Home loans up to Rs. 28 lakh in metros and Rs. 20 lakh in other centers will form part of the directed lending as long as the cost of the property is not more than Rs. 35 lakh and Rs. 25 lakh, respectively.


5.  Weaker Sections
  • No such major change in Weaker Sections


6.  Micro Credit
  • No such major change in Micro Credit Sections


7.  Renewable Energy (new sector added in PSL)
  • Any bank that lends up to Rs. 10 lakh to a household for solar power and biomass-based generators can classify the loan as priority sector.


8.  Social Infrastructure (new sector added in PSL)
  • Banks can also lend up to Rs. 5 crore per borrower for building social infrastructure such as schools, healthcare facilities, drinking water facilities and sanitation facilities in tier-II to tier-VI centers.




Foreign Banks - changed norms

Foreign banks, which previously enjoyed relaxed PSL norms, will face new challenges. The sub-targets for small and marginal farmers and micro enterprises would be made applicable post-2018, after a review in 2017 for foreign banks with more than 20 branches.

Foreign Banks with less than 20 branches will move to the total target of 40 % of loans, or 'Credit Equivalent Amount of Off-Balance Sheet Exposure', whichever is higher, on a par with other banks by 2019-20. It means that if any foreign bank issues a guarantee for Rs. 1 crore, it will have to disburse loans worth Rs. 40 lakh in the priority sector.




* To read previous article on Priority Sector Lending (PSL) - Click Me






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Friday, April 24, 2015

Day 11 - Questions


Day 11 - Financial Inclusion

( Financial Inclusion, Banking Correspondents, Self Help Groups, Joint Liability Groups )


Recommended Study links - (Go through these topics before attempting MCQs)


1.  Which of the following efforts fall under Financial Inclusion Plan (FIP) of RBI / government?
a.  Nationalization of banks
b.  Priority Sector Lending (PSL) targets
c.  Zero balance accounts, like BSBDA, Jan-Dhan Account, Small Account, etc.
d.  All of the above

2.  Which of the following is not true regarding Financial Inclusion Plan?
a.  Relaxed and simplified KYC norms for account opening
b.  Mandatory branches in unbanked villages
c.  BSBDA Accounts with minimum balance criteria
d.  Micro branches to be opened in rural area, that can be operated by Business Correspondents

3.  According to the new proposal on PSL, what sub-target is to be created for Micro Enterprises in India?
a.  7 %
b.  7.5 %
c.  8 %
d.  8.5 %

4.  Financial Inclusion means provision of -
a.  Financial services namely, payments, remittances, savings, loans and insurance at affordable cost to persons not yet given the same
b.  ration at affordable cost to persons not yet given the same
c.  house at affordable cost to persons not yet given the same
d.  education at affordable costs to persons not yet given the same

5.  What is the full form of 'FINO' - a term we see frequently in financial newspapers?
a.  Financial Investment Network and Operations
b.  Financial Inclusion Network and Operations
c.  Farmers' Investment in National Organization
d.  Farmers' Inclusion News and Operations

6.  Who is a Banking / Business Correspondent Agent (BCA)?
a.  An authorized representative of a bank, who offer banking services where the bank doesn't have a branch
b.  Any person who provides banking services in rural area
c.  An authorized representative of a bank, who makes profit for banks, by making business
d.  None of the above

7.  Which of the following is true regarding BCA?
a.  A BCA can provide services for more than one bank
b.  A BCA can provide services for only one bank
c.  A BCA doesn't work for banks
d.  None of the above is true

8.  Which of the followings are eligible as BCA?
i.  Individuals, like retired bank employees, retired teachers, retired gov. employees, ex-serviceman, etc.
ii.  NGOs, MFIs
iii.  Registered Cooperative Societies
iv.  Post Offices
v.  Bank employees

a.  Only (i) and (ii)
b.  All except (v)
c.  All are eligible
d.  Only (v)

9.  Which of the following is true regarding SHG?
a.  A small voluntary group of poor people, generally from the same economic background, that promotes small savings among the members and make a common fund to help themselves
b.  Government / RBI has introduced several SHG - bank linkage program for Financial Inclusion
c.  Full form of SHG is Self Help Group
d.  All of the above

10.  Suppose, two or more people have taken a loan. If one of them is unable to pay, then other members are fully liable to pay the whole amount of loan. This refers to -
a.  Joint Liability
b.  Several Liability
c.  Both (a) and (b)
d.  None of the above



Note - Do not refer any source while answering the questions. You can comment in the Comment Section below.



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Thursday, April 23, 2015

Day 10 - Questions


Day 10 - Fund Transfer / Remittances

(Settlement Systems of India - NEFT, RTGS, ECS Credit, ECS Debit, IMPS, AEPS, etc.)


Recommended Study links - (Go through these topics before attempting MCQs)


1.  Which of the following is one-to-many electronic fund settlement system?
a.  NEFT
b.  RTGS
c.  ECS Credit
d.  ECS Debit

2.  What is the full form of NEFT?
a.  National Electronic Funds Transfer
b.  National Electric Funds Transfer
c.  National Electronic Funds Transmission
d.  National Electric Funds Transmission

3.  What is the significance of 'Real-time' in RTGS?
a.  Funds will eventually be transmitted to beneficiary account
b.  Funds will be settled in batches
c.  Funds will be settled as soon as initiated
d.  None of the above

4.  NEFT settlement is done in -
a.  hourly batches
b.  real time
c.  daily batches
d.  none of the above

5.  What is the maximum limit of funds transfer through NEFT?
a.  Rs. 50,000
b.  Rs. 1 lakh
c.  Rs. 2 lakh
d.  There is no upper limit for NEFT

6.  Which of the following is must for NEFT funds transfer?
a.  Person who is transferring money has an account
b.  Beneficiary / recipient has an account
c.  Both (a) and (b)
d.  None of the above

7.  Walk-in customers can transfer money through NEFT, with a maximum limit of -
a.  Rs. 50,000
b.  Rs. 1 lakh
c.  Rs. 2 lakh
d.  There is no such limit

8.  If you transfer Rs. 2 lakh through NEFT, then how many transactions will occur?
a.  1 transaction
b.  2 transactions
c.  4 transactions
d.  8 transactions

9.  Which of the following funds transfer systems is the fastest?
a.  NEFT
b.  RTGS
c.  IMPS
d.  AEPS

10.  What is the minimum and maximum transaction limit for RTGS?
a.  Rs. 1 lakh, Rs. 1 crore
b.  Rs. 2 lakh, no max. limit
c.  no min. limit, Rs. 2 lakh
d.  no min. limit, no max. limit

11.  What is the current RTGS transaction charge for funds transfer above Rs. 5 lakh (as of April 23, 2015)?
a.  Rs. 30
b.  Rs. 35
c.  Rs. 50
d.  Rs. 55

12.  Which of the following is true regarding ECS Credit?
a.  Single debit on payers account and Single credit in beneficiary account
b.  Multiple debit on payers accounts and Single credit in beneficiary account
c.  Single debit on payers account and Multiple credit in beneficiaries accounts
d.  Multiple debit on payers account and Multiple credit in beneficiary account

13.  Which of the following is the best example of ECS Debit?
a.  Salary payment by employer
b.  Pension
c.  Periodic investments in Mutual Funds
d.  Dividend to shareholders

14.  What is the full form of IMPS?
a.  Immediate Mobile Payment System
b.  Instant Mobile Payment System
c.  Instant Medium Payment System
d.  Immediate Medium Payment System

15.  Which of the following must be linked with Aadhar-card?
a.  NEFT
b.  RTGS
c.  IMPS
d.  AEPS




Note - Do not refer any source while answering the questions. You can comment in the Comment Section below.


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Wednesday, April 22, 2015

Day 9 - Questions


Day 9 - Monetary Policy

(Monetary Policy of RBI, CRR, SLR, LAF, Repo, Reverse Repo, MSF, Bank rate, OMO, MSS, Monetary Policy Report 2015)


Recommended Study links - (Go through these topics before attempting MCQs)


1.  Which one is referred to as Policy rate of RBI?
a.  Repo rate
b.  Reverse Repo rate
c.  MSF Rate
d.  Bank rate

2.  RBI adopted bi-monthly monetary policy on the recommendation of -
a.  Bimal Jalan Committee
b.  Urjit Patel Committee
c.  CRAFICARD
d.  Mukul Mudgal Committee

3.  What will be the effect on market, if repo rate is increased?
a.  Liquidity in the market will increase
b.  Liquidity in the market will decrease
c.  No effect in liquidity
d.  None of the above

4.  What is Net Demand and Time Liabilities (NDTL) of banks?
a.  Net Demand Deposits (Savings and Current Deposits) and Time Deposits (Recurring and Fixed Deposits)
b.  Net Demand Deposits (Savings and Fixed Deposits) and Time Deposits (Recurring and Current Deposits)
c.  Net Demand Deposits (Recurring and Fixed Deposits) and Time Deposits (Savings and Fixed Deposits)
d.  None of the above

5.  What is the significant of the term 'Liabilities' in NDTL?
a.  It means Demand and Time Deposits are assets for customers, but liabilities for banks
b.  It means Demand and Time Deposits are assets for banks, but liabilities for customers
c.  It means Demand and Time Deposits are liabilities for both banks and customers
d.  It means Demand and Time Deposits are assets for both banks and customers

6.  What is Call Money?
a.  Money lent by one bank to another bank for 2 to 14 days
b.  Money lent by one bank to another bank for 1 day
c.  Money lent by RBI to a bank for 1 day
d.  Money lent by RBI to a bank for 2 to 14 days

7.  Which one is true regarding Liquidity Management by RBI?
a.  RBI anchors the call rate around the reverse repo rate - If reverse repo rate is increased by RBI, call rate will increase, making inter-bank loans costlier, thereby reducing liquidity in market
b.  RBI anchors the call rate around the policy rate (repo rate) - If repo rate is increased by RBI, call rate will increase, making inter-bank loans costlier, thereby reducing liquidity in market
c.  Both (a) and (b) are true
d.  None of the above is true

8.  14-day variable rate term repo auctions are provided by RBI for what percentage of NDTL to each banks?
a.  0.25 % of NDTL
b.  0.75 % of NDTL
c.  1 % of NDTL
d.  2 % of NDTL

9.  In addition to providing loans to banks at repo rate, RBI uses Marginal Standing Facility (MSF) to help banks manage their liquidity mismatches, if any. What percentage of stipulated Statutory Liquidity Ratio (SLR) holdings of government securities is eligible for this facility?
a.  1 % of SLR
b.  2 % of SLR
c.  1.5 % of SLR
d.  None of the above

10.  According to the new norms of RBI, MSF rate is fixed 100 basis points above -
a.  policy rate (repo rate)
b.  reverse repo rate
c.  SLR
d.  bank rate

11.  Reverse repo rate is the rate at which -
a.  banks take loans from RBI
b.  banks provide loans to RBI
c.  banks provide loans to another banks
d.  None of the above

12.  According to the new norms of RBI, Reverse repo rate is -
a.  100 bps above the repo rate
b.  100 bps below the repo rate
c.  same as repo rate
d.  None of the above

13.  If reverse repo rate is increased, what will be its effect in market?
a.  Liquidity will be increased in the market
b.  Liquidity will be decreased in the market
c.  No effect in liquidity
d.  None of the above

14.  According to the 1st Monetary Policy of 2015 (April 7), policy rate is 7.5 %. What can you deduce from the information?
a.  Reverse repo rate is 6.5 %
b.  MSF rate is 8.5 %
c.  Repo rate is 7 %
d.  Both (a) and (b)

15.  The full form of 'repo' is repurchase operation. What is the significance of repurchase?
a.  Banks sell its securities to RBI to get loans at repo rate, with an agreement to buy back (repurchase) the securities from RBI at a later date
b.  RBI sell its securities to banks to get loans at repo rate, with an agreement to buy back (repurchase) the securities from banks at a later date
c.  Both (a) and (b)
d.  None of the above

16.  What is bank rate?
a.  Rate charged by RBI to banks for loans for a longer period without selling or buying any security
b.  Rate charged by banks to RBI for loans for a longer period without selling or buying any security
c.  Rate charged by RBI to banks for loans for a longer period with an agreement to sell or buy securities
d.  Rate charged by RBI to banks for loans for a longer period with an agreement to sell or buy securities

17.  For Cash reserve ratio (CRR) requirements -
a.  banks have to keep / maintain a portion of its deposits, as cash or balance with RBI
b.  banks have to keep / maintain a portion of its deposits, as cash or balance with itself
c.  Both (a) and (b)
d.  None of the above

18.  If CRR is increased by RBI, what will be the effect on market?
a.  Banks will have to maintain more money as cash or deposits with RBI, hence will have less money to lend or invest, thus increasing the liquidity in the market
b.  Banks will have to maintain more money as cash or deposits with RBI, hence will have less money to lend or invest, thus reducing the liquidity in the market
c.  Both (a) and (b)
d.  None of the above

19.  What is Statutory Liquidity Ratio (SLR)?
a.  Banks need to maintain a portion of their NDTL as liquid assets in the form of cash, gold and other approved securities, with itself, at the close of every business day
b.  Banks need to maintain a portion of their NDTL as liquid assets in the form of cash, gold and other approved securities, with RBI, at the close of every business day.
c.  Both (a) and (b)
d.  None of the above

20.  To reduce the liquidity in the market, RBI can perform which of the following operations?
i.  Increase policy rate
ii.  Increase cash reserve requirements
iii.  Increase statutory liquidity ratio

a.  Only (i)
b.  Only (i) and/or (ii)
c.  Only (i) and/or (iii)
d.  (i) and/or (ii) and/or (iii)

21.  What 'L' denotes in LAF?
a.  Liberty
b.  Liquidity
c.  Low
d.  Listed

22.  Open Market Operations (OMO) deals with -
a.  buying or selling government securities
b.  buying or selling non-government securities
c.  inter-bank dealings
d.  None of the above

23.  Which of the followings are government securities?
i.  Treasury Bills (T-Bills)
ii.  Cash Management Bills (CMBs)
iii. Dated Government Securities
iv. State Development Loans (SDLs)
v.  Certificate of Deposits (CDs)
vi.  Inter-Corporate Deposits (ICDs)

a.  Only (i) and (iii)
b.  Only (i), (ii), (iii) and (iv)
c.  All except (ii), (v) and (vi)
d.  All are government securities

24.  RBI, on behalf of government, issues MSS Bonds to mop up extra liquidity from the market. This is same as Open Market Operations (OMO), but has a significant difference. What is it?
a.  Money raised from the market by MSS Bond is stored in government's normal account
b.  Money raised from the market by MSS Bond is stored in a separate account, known as MSS Account, which cannot be used for normal government expenditure.
c.  Money is not raised by MSS bonds
d.  None of the above

25.  What is the projected growth rate of India for the fiscal year 2015-16 by RBI in Monetary Policy Report - April 2015?
a.  7.6 %
b.  7.8 %
c.  8.0 %
d.  8.1 %



Note - Do not refer any source while answering the questions. You can comment in the Comment Section below.


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Tuesday, April 21, 2015

Day 8 - Questions


Day 8 - International Development Banks

(Asian Development Bank, World Bank, International Monetary Fund, BRICS New Development Bank, China-backed Asian Infrastructure Investment Bank, BRICS Nations, Fragile Five)


Recommended Study links - (Go through these topics before attempting MCQs)


1.  Who is the president of Asian Development Bank?
a.  Jim Yong Kim
b.  Janet Yellen
c.  Takehiko Nakao
d.  Christine Lagarde

2.  ADB recently releasd Asian Development Outlook (ADO) with the title 'Financing Asia's Future Growth'. According to the report, India's growth rate in fiscal year 2016 will be -
a.  7.4 %
b.  7.6 %
c.  7.8 %
d.  8.2 %

3.  ADB is a regional development bank, which facilitates development activities in Asia. Where is the headquarter of ADB?
a.  Washington DC, USA
b.  New York, USA
c.  Metro Manila, Philippines
d.  London, UK

4.  Which one is the correct combination of president and headquarter of World Bank?
a.  Takehiko Nakao, Washington DC
b.  Jim Yong Kim, New York
c.  Christine Lagarde, New York
d.  Jim Yong Kim, Washington DC

5.  Which of the following is not a member organization of World Bank Group (WBG)?
a.  International Finance Corporation (IFC)
b.  International Bank for Reconstruction and Development (IBRD)
c.  International Monetary Fund (IMF)
d.  International Development Association (IDA)

6.  Which of the followings make up the World Bank?
i.  IBRD
ii.  IDA
iii. MIGA
iv. IFC
v. ICSID
vi. IMF

a.  Only (i) and (ii)
b.  All except (vi)
c.  Only (vi)
d.  None of the above choices

7.  International Monetary Fund (IMF)'s work area includes -
a.  promote international monetary cooperation
b.  provides resources to help members in balance of payment (BOP) difficulties
c.  promotes exchange rate stability
d.  all of the above

8.  Which one is the correct combination of president and headquarter of IMF?
a.  Takehiko Nakao, Washington DC
b.  Jim Yong Kim, New York
c.  Christine Lagarde, Washington DC
d.  Jim Yong Kim, Philippines

9.  Which of the following is not a member of BRICS Nations?
a.  Russia
b.  India
c.  China
d.  South Korea

10.  Which country will host the 7th BRICS Summit in July, 2015?
a.  Brazil
b.  Russia
c.  India
d.  China

11.  New Development Bank (NDB) was proposed in which BRICS Summit?
a.  6th BRICS Summit in Brazil, hosted by Dilma Rousseff
b.  5th BRICS Summit in South Africa, hosted by Jacob Zuma
c.  4th BRICS Summit in India, hosted by Manmohan Singh
d.  3rd BRICS Summit in China, hosted by Hu Jintao

12.  What is the initial capital of NDB?
a.  USD 100 billion
b.  USD 200 billion
c.  USD 50 billion
d.  USD 150 billion

13.  Which of the following is true regarding headquarter and regional center of NDB respectively?
a.  Johannesburg, Shanghai
b.  Shanghai, Johannesburg
c.  New Delhi, Shanghai
d.  Johannesburg, New Delhi

14.  The first president of NDB will come from?
a.  Brazil
b.  Russia
c.  India
d.  China

15.  The first chairman of the Board of Directors will come from?
a.  Brazil
b.  Russia
c.  India
d.  South Africa

16.  The first chairman of the Board of Governors will come from?
a.  Brazil
b.  Russia
c.  India
d.  China

17.  Which of the following countries are referred to as 'Fragile Five' countries by Morgan Stanley research analyst Mr. Jim O'Neil -
i.  Indonesia
ii.  India
iii.  South Africa
iv.  China
v.  Brazil
vi.  Turkey
vii.  Russia

a.  Only (ii), (iii), (iv), (v) and (vii)
b.  Only (i), (ii), (iii), (v) and (vi)
c.  All except (iv)
d.  Only (i), (iii), (v) and (vii)

18.  What is the full form of AIIB?
a.  Asia Infrastructure Independent Bank
b.  Asia Independent Investment Bank
c.  Asia Investment Infrastructure Bank
d.  Asia Infrastructure Investment Bank

19.  Which country proposed AIIB with authorized capital of USD 100 billion?
a.  India
b.  China
c.  USA
d.  Japan

20.  Where will be the headquarter of AIIB?
a.  Shanghai
b.  Beijing
c.  New Delhi
d.  Washington DC



Note - Do not refer any source while answering the questions. You can comment in the Comment Section below.


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Monday, April 20, 2015

SBI Associate PO 2014 Selected Candidates



SBI Associate PO 2014 Selected Candidates

SBI has declared selected candidates list for Probationary Officer of its Associate Banks.

Follow the link to download the file - Click Me










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Day 7 - Questions


Day 7 - Assets and Liabilities of Banks

( Bank Assets and Liabilities, Capitals and Assets, Mutual Funds, KCC, GCC)


Recommended Study links - (Go through these topics before attempting MCQs)


1.  Which of the followings are assets of banks?
i.  Loans and Advances
ii.  Bank Reserves
iii. Deposits of Customers
iv.  Investments of Banks
v.  External Commercial Borrowings (ECB)
vi.  Certificate of Deposits (CD)

a.  Only (i), (ii), (iii) and (vi)
b.  Only (ii), (v) and (vi)
c.  Only (i), (ii) and (iv)
d.  Only (v) and (vi)

2.  For a bank, employee wages (salaries) are -
a.  Assets of bank
b.  Liabilities of bank
c.  Both (a) and (b)
d.  None of the above

3.  Which of the followings provide maximum return to the banks?
a.  Loans and advances
b.  Reserves
c.  Investments
d.  Deposits of Customers

4.  Which of the following is a type of intangible asset?
a.  Land
b.  Patents
c.  Copyrights
d.  Both (b) and (c)

5.  Capital Assets are -
a.  Funds to run a business
b.  Any assets
c.  Assets used to make money, or to run a business
d.  Both (a) and (c)

6.  Mutual Fund is set up in the form of a trust. It consists -
a.  Sponsor
b.  Trustees
c.  Asset Management Company (AMC)
d.  All of the above

7.  Net Asset Value (NAV) / bid value is -
a.  Per unit of the fund, calculated by AMC after every business day
b.  Per unit of the fund, excluding liabilities, calculated by AMC after every business day
c.  Per unit of the fund, calculated by Trustees, after every business day
d.  None of the above

8.  Which of the following correctly represents NAV?
a.  NAV = current market value of (all assets - all liabilities) / no. of unit outstanding shares
b.  NAV = current market value of all assets / no. of unit outstanding shares
c.  NAV = current market value of all assets
d.  NAV = current market value of (all assets - all liabilities)

9.  Kisan Credit Card (KCC) is a credit cart exclusively for the farmers to provide them cash credit (CC) facility without visiting bank repeatedly to ask for bank loans for agricultural purpose. Who among the followings are eligible for KCC?
i.  Individual farmers
ii.  Tenant Farmers
iii.  Share croppers
iv.  Self Help Groups
v.  Joint Liability Groups
vi.  Small Industries

a.  Only (i) and (ii)
b.  Only (i), (ii) and (iii)
c.  All except (vi)
d.  All (i to vi)

10.  General Credit Card is provided for -
a.  Agricultural activities
b.  Non-farm entrepreneurial activities
c.  Fishery activities
d.  None of the above




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