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Determining bank problem

Which of the given is a bank? a) Post office saving banks (b) LIC (c) UTI (d) IDBI.

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Post office saving banks is not bank in the logic that even though they accept deposits from public however do not advance loans to the others.

LIC, UTI and IDBI are also not banks in the logic that even though they do not accept chequeable deposits however advance loans to others.

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