Test On Ctedit Policy

CBOA
Test On Credit Policy 0/100 : 0%

Tara Devi Palyam Fail
CBOA
? UnAnswered Marks: 0 / 1 Time Taken: 0 Second
Q: 1 Who is empowered to permit credit facilities to new borrower clients rated High Risk.
✓ Correct Ans A. CAC of the Board & Above authorities

B. Managing Director & Chief Executive Officer
C. Executive Director of the Bank
D. General Manager, Circle Head
E. None of the above
Section: Credit Policy Question Type: Multiple Choice (Radiobutton) QID: 2193
Q: 2 In respect of term loan take over, it is to be ensured that the projections and performance are in tune with the actuals at the time
of take over. In case of vast variations, reappraisal of the project shall be undertaken and assessed. Likewise where vast
difference in actual financials vis-à-vis projections and time and cost overrun of over _____% is observed, takeover be avoided.
A. 5%
B. 10%
✓ Correct Ans C. 15%
D. 20%
E. None of the above.
Q: 3 Total Priority Sector Target
✓ Correct Ans A. 40 percent of ANBC* or CE-OBS Exposure** whichever is higher.

B. 40 percent of ANBC* or CE-OBS Exposure** whichever is Lower.
C. 18 percent of ANBC* or CE-OBS Exposure** whichever is Higher.
D. 18 percent of ANBC* or CE-OBS Exposure** whichever is Lower.
Q: 4 Education Loans to individuals for educational purposes including vocational courses upto Rs._____lakh irrespective of the
sanctioned amount will be classified under Priority Sector.
A. 4
B. 7.50
✓ Correct Ans C. 10
D. 20
Q: 5 Infrastructure Finance Companies: A non-banking finance company which deploys at least _____ per cent of its total assets in
infrastructure loans; has a minimum Net Owned Funds of Rs.______ crore,has a minimum credit rating of "A' or equivalent and
CRAR of 15%.
A. 50% & 200 Cr

B. 75% & 200 Cr
C. 50% & 300 Cr
✓ Correct Ans D. 75% & 300 Cr
Q: 6 As another sound risk management practice, the Bank has fixed exposure ceiling on the counter party banks for discounting of
bills co-accepted by other banks/drawn under DPGs issued by other banks, counter guarantees issued by other banks and also
negotiation of documents drawn under LCs of other banks.There shall be no ceiling for such exposure on.
A) State Bank of India and its subsidiaries.
B) All nationalized/public sector Banks.
C) Foreign Prime Banks.
A. A Only
B. B Only
C. A & B Only
✓ Correct Ans D. A, B & C
E. None of the Above
Q: 7 The Export Credit extended as per the details below would be classified as priority sector.
Incremental export credit over corresponding date of the preceding year, up to 2 percent of ANBC or Credit Equivalent Amount of
Off-Balance Sheet Exposure, whichever is higher, effective from April 1, 2015 subject to a sanctioned limit of Rs.________ crore
per borrower.
A. 10
B. 15
C. 25
✓ Correct Ans D. 40
Q: 8 A Financial Institution, other than NBFC registered with RBI and HFC registered with NHB, shall be considered as PFI if It is
established or constituted under any Central or State Act or not less than _____% of paid up share capital is held or controlled
by Central Government or State Government or partly by the Central Government and partly by one or more State Governments.
A. 33%
✓ Correct Ans B. 51%
C. 60%
D. 75%
Q: 9 Direct lending to banks, In respect of private sector banks and non-prime foreign banks, the Bank shall provide need based
credit facilities in any of the aforesaid form after making analysis of the financial position subject to the borrowing bank having a
Tangible Net worth of._______Crore and above (as per the latest ABS).
A. 100 Cr.
B. 500 Cr.
C. 750 Cr.
✓ Correct Ans D. 1000 Cr.
Q: 10 Assessment of Working Capital limits for Construction companies (a) The fund based working capital limits (not exceeding the
peak level deficit in the cash flow statement) and the non-fund based limits sanctioned to a borrower, put together generally
should not exceed ______ times the Net Owned Funds (NOF) of the entity.
A. 3
B. 6
D. 10
Q: 11 In case of term loans under TUF Scheme, Circle heads are empowered to waive PAG appraisal for loans upto _____ lakh for new
units and ____ lakh in case of expansion/modernization projects.
A. 100 & 200

B. 150 & 300
✓ Correct Ans C. 200 & 500
D. 200 & 600
Q: 12 All individual Loans extended for non-business purposes by other banks/FIs with similar terms and conditions of our schemes viz.
Housing Loans, Canara Rent, Canara Mortgage. In respect of takeover of proposals meant for business purposes, these
guidelines shall not be made applicable and in such cases the existing take over guidelines shall be applicable. Prior to take
over, the account should have satisfactory conduct with the transferring bank for a minimum period of ____year/s
✓ Correct Ans A. One Year

B. Two Years
C. Three Years
D. Five Years
Q: 13 RAM Model for rating borrowers with exposure above 2 Cr. Entity of Manufacturing Sector with Turnover of 25cr or above is rated
under which rating system.
✓ Correct Ans A. Large Corporate Module

B. SME Module
C. Large Trader Module

D. Small Trader Module
Q: 14 Restructured housing loans should be risk weighted with an additional risk weight of ______% to the risk weights prescribed
above throughout the period of loan.
A. 10%
B. 15%
C. 20%
✓ Correct Ans D. 25%
Q: 15 Risk Management Committee of the Board (RMCB) is a Board level sub-committee headed by the ______________. It
comprises of and three other Directors of the Bank.
✓ Correct Ans A. Chairman of the Bank

B. Managing Director & Chief Executive Officer (MD & CEO)
C. Executive Director of the Bank
D. Director appointed by the Governmet
Q: 16 Expected Loss and provisioning : If the total eligible provisions are over and above the EL amount, the excess can
be included in Tier 2 capital up to a maximum of _____% of credit risk weighted assets subject to RBI approval.
A. 0.3%
B. 0.4%
C. 0.5%
✓ Correct Ans D. 0.6%
Q: 17 Which of the following Does not belong to the group of Thrust areas.
A. Agriculture sector
B. MSME sector,
C. Export segment
✓ Correct Ans D. Commercial Real Estate
E. C & D
Q: 18 Micro Enterprises Target
✓ Correct Ans A. 7.5 percent of ANBC or CE(OBS Exposure), whichever is higher

B. 7.5 percent of ANBC or CE(OBS Exposure), whichever is Lower
C. 10 percent of ANBC or CE-OBS Exposure, whichever is higher.
D. 10 percent of ANBC or CE-OBS Exposure, whichever is lower.
Q: 19 Loans sanctioned by banks to NBFC( other than MFIs) for on-lending to MSME sector up to Rs.______ lakh per borrower
A. 5
B. 10
C. 15
Q: 20 Postshipment Credit : In case of Consortium / Multiple Banking Account or Joint Lending Arrangement, the bank shall fall in line
with consortium decision subject to external rating being _________ & above.
A. AA
B. AAA
C. BB
✓ Correct Ans D. BBB
Q: 21 Loans to distressed persons not exceeding Rs.__________ per borrower to prepay their debt to non-institutional lenders.
A. 50,000
B. 75,000
✓ Correct Ans C. 1,00,000
D. 1,60,000
Q: 22 Housing:On-lending by HFCs is Rs._______lakh per borrower.
A. 5
B. 10
C. 15
Q: 23 Mortgage Guarantee Companies (MGC) are financial institutions for which at least 90% of the business turnover is mortgage
guarantee business or at least ______% of the gross income is from mortgage guarantee business and net owned fund is
Rs._______crore.
A. 30% & 100 Cr

B. 50% & 100 Cr
C. 75% & 100 Cr
✓ Correct Ans D. 90% & 100 Cr
Q: 24 In respect of NBFCs which do not require to be registered with RBI, the Bank shall not finance the following:
A. Nidhi Companies notified under Section 620A of the Companies Act, 1956;
B. Chit Fund Companies carrying on Chit Fund business as their principal business as per Explanation to Clause
of Section 45-I(bb) of the Reserve Bank of India Act, 1934;
C. A
D. B
✓ Correct Ans E. A & B
Q: 25 Scheme for financing Indian Companies for acquisition of equity in overseas companies: The facility is provided to high net worth
top rated corporates whose minimum TNW shall be ____ Crore as per the latest ABS and to the existing as also new customers
of our Bank.
A. 50 Cr
✓ Correct Ans B. 100 Cr
C. 500 Cr
D. 1000 Cr
Q: 26 The consortium leader or any member bank would accord request for NOC within ______ days.
A. 7
B. 15
D. 30
E. None Of the above.
Q: 27 Foreign Currency Loans (FCLR) to Residents can be permitted in case of Moderate risk accounts, if following guidelines are
adhered to :(a) In respect of PSUs/PSEs, FCLR loan shall be considered on a case to case basis by the respective delegated
authority. (b) Other than PSUs, FCLR loan shall be made available, if it is secured by collaterals (acceptable to the Bank) to the
extent of atleast ________% of the proposed FCLR exposure.
A. 50%
B. 75%
C. 100%
Q: 28 Granting of FCLRs to NON BANKING FINANCE COMPANIES (NBFCs) FCLRs can be considered to "AAA" rated NBFCs who are
dealing with our Bank, with an excellent track record and rated Low Risk subject to the following conditions. The maximum upper
limit per NBFC is USD ________Millions.
A. 2
✓ Correct Ans B. 5
C. 10
D. 15
Q: 29 Gold Card Scheme for Exporters – Stand by Credit Limit: Under the scheme, while assessing the limits, the standby facility of
_____% over and above the assessed limits shall also be assessed and the facility shall be made available only to facilitate
urgent credit needs for sudden/ unexpected orders on adhoc basis and not as a regular limit.
A. 5%
B. 10%
C. 15%
Q: 30 In case of proposals for switch over from other Bank where the proposed borrower has cleared liabilities in previous ____
months, shall be considered as takeover of account and existing take over norms shall be made applicable.
✓ Correct Ans A. 3
B. 6
C. 9
D. 12
Q: 31 Micro, Small and Medium enterprises (MSMEs),Service Sector - Investment in equipment
✗ Your Ans A. Micro Enterprises Correct Ans

Your Ans B. Small Enterprises
Your Ans C. Medium Enterprises
Section: Credit Policy Question Type: Matching QID: 2202
Q: 32 To ensure that MSMEs do not remain small and medium units merely to remain eligible for priority sector status, the MSME units
will continue to enjoy the priority sector lending status up to _________year/s after they grow out of the MSME category
concerned.
A. One
B. Two
✓ Correct Ans C. Three
D. Five
Q: 33 Bank loans to any governmental agency for construction of dwelling units or for slum clearance and rehabilitation of slum dwellers
subject to a ceiling of Rs.______lakh per dwelling unit.
A. 2
B. 5
D. 15
Q: 34 The loans sanctioned by banks for housing projects exclusively for the purpose of construction of houses for economically
weaker sections and low income groups, the total cost of which does not exceed Rs.10 lakh per dwelling unit. For the purpose of
identifying the economically weaker sections and low income groups, the family income limit is revised to Rs.____ lakh per annum
for EWS and Rs.______lakh per annum for LIG, in alignment with the income criteria specified under the Pradhan Mantri Awas
Yojana.
A. 2 & 4
B. 3 & 5
D. 1.50 & 3
Q: 35 The banks have to ensure that MFIs comply with the following caps on margin and interest rate as also other „pricing guidelines‟,
to be eligible to classify these loans as priority sector loans.- Margin cap: The margin cap should not exceed _______percent for
MFIs having loan portfolio exceeding Rs.100 crore
A. 5%
C. 15%
D. 20%
Q: 36 The banks shall obtain from MFI, at the end of every ________, a Chartered Accountant‟s Certificate stating, inter-alia, that the
criteria on (i) qualifying assets, (ii) the aggregate amount of loan, extended for income generation activity, and (iii) pricing
guidelines are followed.
A. Fortnight
B. Month
✓ Correct Ans C. Quarter
D. Half Year
Q: 37 Renewable Energy Bank loans up to a limit of Rs.______crore to borrowers for purposes like solar based power generators,
biomass based power generators, wind mills, micro-hydel plants and for non-conventional energy based public utilities viz. street
lighting systems, and remote village electrification. For individual households, the loan limit is Rs.______lakh per borrower.
A. 1 Cr & 1 Lakh
B. 5 Cr & 10 Lakhs
C. 10 Cr & 10 Lakhs
✓ Correct Ans D. 15 Cr & 10 Lakhs
Q: 38 Micro & Small enterprises: On-lending by NBFC will be allowed up to Rs._____lakh per borrower.
A. 5
B. 10
C. 15
Q: 39 On-lending by NBFCs for „Term lending‟ component under Agriculture will be allowed up to Rs.______Lakh per borrower.
A. 1
B. 5
D. 25
Q: 40 Bank can classify Incremental export credit over corresponding date of the preceding year, up to _____ percent of ANBC or
Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher.
A. 1
C. 5
D. 10
Q: 41 Loans to Mutual funds by the banks granted to meet the temporary liquidity needs for the purpose of repurchase / redemption of
units within the ceiling of ________% of the net asset of the scheme and for a period not exceeding 6 months, if extended to
equity-oriented Mutual Funds, will form part of banks' capital market exposure.
A. 10
C. 50
D. 75
Q: 42 The aggregate exposure of the Bank to the capital markets in all forms (both fund based and non-fund based) shall not exceed
______% of the net worth, as on March 31 of the previous year. Within this overall ceiling, the Banks‟ direct investment in
shares, convertible bonds/debentures, units of equity-oriented mutual funds and all exposures to Venture Capital Funds (VCFs)
[both registered and unregistered] shall not exceed _____% of the net worth.
A. 10 & 5
B. 20 & 10
C. 30 & 15
✓ Correct Ans D. 40 & 20
Q: 43 In order to avoid any nexus emerging between interconnected stock broking entities and banks, the Board shall fix, within the
overall ceiling of ______% of the net worth as on March 31 of the previous year, a sub-ceiling for total advances to – All the
stockbrokers and market makers (both fund based and non-fund based, i.e. guarantees); and To any single stock broking entity,
including its associates / interconnected companies.
A. 10
B. 30
D. 50
Q: 44 The Bank also has a scheme in place for financing trading members of NCDEX, Financing individuals for subscription to IPOs
through public issue including book-building process through select Circles / branches, ESOP loan scheme and Advances
against units of Mutual Funds. Expand NCDEX.
✓ Correct Ans A. National Commodity and Derivative Exchange Ltd.

B. National Credit and Directive Exchange Ltd.
C. National Credit and Disinvestment Exchange Ltd.
D. National Commodity and Directorate Exchange Ltd.
Q: 45 Adherence to National Building Code (NBC) 2005: NBC (2005) contains rules, regulations applicable to Contractors/ Engineers/
Architects involved in construction of dwelling house to bigger projects in ensuring the quality of construction. The NBC
guidelines, in our Bank, for the present are applicable in respect of loans for construction of building exceeding Rs.______Crore.
A. 5
B. 10
D. 50
Q: 46 Fund based facilities to the share and stock brokers can be extended in the form of Overdraft against pledge of shares as a
regular working capital with a minimum margin of ______% against market value of approved shares.
A. 25
B. 30
C. 40
Q: 47 Bank shall have an exposure ceiling to Commercial Real Estate which would be reviewed and revised annually. However, the
maximum exposure to a particular project by the Bank shall not exceed Rs._____ Crore. This limit can be relaxed by CAC of the
Board on a case to case basis.
A. 50
B. 100
D. 200
Q: 48 Under Consortium arrangement, Bank shall issue pari passu letters to the members of the consortium or a new member added to
the consortium, after the appraisal has taken place, within _______days of receipt of request for the same.
A. 10
B. 15
D. 45
E. None Of the above.
Q: 49 RBI had also indicated that the substantial exposure limit could be fixed at 600% or 800% of the capital funds depending upon
the degree of concentration risk the bank is exposed to. The substantial exposure limit is fixed on certain percentage of the
capital funds of the Bank as at March 31 of the previous year, which is subjected to review and refixing on an annual basis. For
substantial exposure the threshold limit is fixed at ________% of capital funds.
A. 5%
C. 15%
D. 20%
Q: 50 The maximum credit exposure for individual non corporate borrowers like proprietorship, partnership firms, Limited Liability
Partnership (LLPs), HUFs, trusts and associations etc. will be as follows: Match the following.
✗ Your Ans A. Individual borrowers for

personal loans for Non
business purpose (Other
than schematic loans) Correct Ans
Your Ans B. Proprietorship Concerns
Your Ans C. Single entity with
constitution as association &
HUF
Your Ans D. Single entity with
constitution as Society &
Trust, Educational Institutions
& Hospitals Low Risk
Your Ans E. Limited Liability
Partnerships(LLPs)
Q: 51 The Bank may extend finance to employees for purchasing shares of their own companies under ESOP to the extent of
_______% of the purchase price of the shares or 20 lakh, whichever is lower. However, this scheme is not applicable to Banks‟
extending financial assistance to their own employees for acquisition of shares under ESOPs / IPOs.
A. 50%
B. 75%
D. 100%
Q: 52 Fresh proposal for Direct Exposure on Co-operative Bank shall not be taken up for financing if the CRAR of the said Bank is less
than ____%. The same shall be applicable in case of renewal of limits, at the time of fixing of internal exposure ceiling for
accepting counter guarantees / discounting of bills co-accepted by Co-operative Banks as well as negotiation of documents
drawn under LCs of these Banks.
A. 5%
C. 10%
D. 12%
Q: 53 Limits over ______Cr can be assessed on the basis of MPBF system or cash budget system at the option of the borrower.
A. 5
B. 15
C. 20
E. None of the borrower.
Q: 54 For Borrower under crop loans and other agriculture loans to whom income tax provisions are not applicable, ABS need not be
obtained for loans upto Rs._____lakh
A. 20
B. 50
C. 75
Q: 55 Tenability of Working capital limit for Kisan Suvidha, KCCS_____.
A. One Year
B. Two Years
C. Three Years
✓ Correct Ans D. Five Years
Q: 56 Reimbursement under Term Loans may be permitted upto 25% of the term loan or the quantum of investment by the borrower
whichever is lower subject to fulfilment of following conditions: The reimbursement shall be claimed within _______ months from
the date of purchase.
A. One Month
B. Three Months
✓ Correct Ans C. Six Months
D. Twelve Months
Q: 57 The following Agricultural term loans shall be appraised by Agricultural Innovation Centre (AIC), HO on standalone basis.For new
customers with Project Cost above Rs.______lakh. For existing customers with Project Cost above Rs._______ lakh.
A. 100 & 200

✓ Correct Ans B. 150 & 300
C. 200 & 300
D. 200 & 500
Q: 58 For MSME accounts with exposure (FB/NFB) up to Rs.1 crore, the Circle Head CAC may permit waiver of stock audit, subject to
facility being secured by _____% collateral security by way of free hold immovable properties or lease hold property from
government agencies / authority or any other security acceptable to the bank as per collateral management policy.
A. 50%
B. 75%
C. 100%
Q: 59 All Housing loans and Canara Mortgage loans given to individuals which are eligible as per their respective scheme guidelines
can be taken over by our Branches/Offices irrespective of period run, provided, the minimum qualifying credit score __________
of the borrower is ascertained.
A. equal to or greater than 600

✓ Correct Ans B. equal to or greater than 650
C. equal to or greater than 700
D. equal to or greater than 750
Q: 60 How many Models are there under Manual Model For rating borrowers with exposures above 20 lakh upto 2 Cr.
A. 5
B. 6
C. 7
Explanation
LR III
NR
MR I
MR II
HR I
HR II
HR III
Default
Q: 61 Rating of borrower will be on the basis of available financial and non financial information.Rating Review Frequency for Public
Limited Companies.
✓ Correct Ans A. Quarterly

B. Half Yearly
C. Yearly
D. 18 Months
Q: 62 Capital Market exposures will attract a ______% risk weight or risk weight warranted by external rating of the counter party
whichever is higher.
A. 50%
B. 100%
D. 150%
Q: 63 policy on Credit Risk Management :This policy will be approved by the
✓ Correct Ans A. Risk Management Committee of the Board (RMCB)

B. Credit Risk Management Committee (CRMC)
C. Credit Risk Management Department (CRMD)
D. Credit Policy Section (CPS)
Q: 64 Some exposures that are immaterial in terms of size and perceived risk profile are exempted from the requirements subject to
approval from the RBI. Capital requirements for such operations will be determined according to standardized approach.
The total exemptions (which includes exposures where phased roll out is allowed or which are immaterial in terms of size and
perceived risk profile) shall not to be more than _________% of the total assets or net revenue (operating profit before
provisions), whichever is lower, of the bank.
A. 5%
B. 10%
D. 20%
Q: 65 Under Ancillary Activities, Loans up to Rs._________crore to co-operative societies of farmers for disposing of the produce of
members.
A. 1 Cr
B. 2 Cr
✓ Correct Ans C. 5 Cr
D. 10 Cr
Q: 66 Loans for Food and Agro-processing up to an aggregate sanctioned limit of Rs._____ crore per borrower from the banking
system.
A. 10 Cr
B. 25 Cr
C. 50 Cr
Q: 67 Micro, Small and Medium enterprises (MSMEs) - Manufacturing Sector - Investment in plant and machinery
✗ Your Ans A. Micro Enterprises Correct Ans

Your Ans B. Small Enterprises
Your Ans C. Medium Enterprises
Q: 68 Housing Loans to individuals up to Rs. ______lakh in metropolitan centres (with population of ten lakh and above) for
purchase/construction of a dwelling unit per family provided the overall cost of the dwelling unit should not exceed Rs.___ lakh
A. 25 & 30
B. 25 & 45
D. 20 & 35
Q: 69 Bank loans to Housing Finance Companies (HFCs), approved by NHB for their refinance, for on-lending for the purpose of
purchase/construction/ reconstruction of individual dwelling units or for slum clearance and rehabilitation of slum dwellers, subject
to an aggregate loan limit of Rs.______ lakh per borrower
A. 10
B. 15
D. 25
Q: 70 Social infrastructure Bank loans up to a limit of Rs.________crore per borrower for building social infrastructure for activities
namely schools, health care facilities, drinking water facilities and sanitation facilities in Tier II to Tier VI centres (Population less
than 1 lakh).
A. 1
C. 10
D. 15
Q: 71 Loans not exceeding Rs._______/- per borrower provided directly by banks to individuals and their SHG/JLG, provided the
individual borrower‟s household annual income in rural areas does not exceed Rs.1 lakh and for non-rural areas it does not
exceed Rs.1.6 lakh.
A. 10000
B. 25000
D. 100000
Q: 72 Bank credit to NBFC for onlending will be allowed upto a limit of_____percent of individual bank‟s total priority sector lending on
an ongoing basis. Further, the above instructions will be valid for the current financial year upto March 31, 2020 and will be
reviewed thereafter. However, loans disbursed under the on-lending model will continue to be classified under Priority Sector till
the date of repayment/maturity.
A. 3
C. 7.5
D. 10
Q: 73 In case of Gems, Jewellery & Diamond sector or any other sector for which whole turnover is suspended/excluded by ECGC, the
exposure shall be covered under ECIB (INPC) & ECIB (INPS). In addition, exporter client shall obtain Buyer wise Policy. However,
wherever the limits are covered under ECIB (WTPS) and/or Individual ECIB (INPS), based on merits of the case, waiver may be
permitted by Circle Head (CAC), if collateral of _______% of Post shipment limits by way of Land & Building or other liquid
securities are obtained.
A. 20
C. 50
D. 100
Q: 74 Integrated housing projects comprising of some commercial space (e.g. Shopping complex, school etc.) can also be classified
under CRE-RH, provided that the commercial area in the residential housing project does not exceed _______% of the total
Floor Space Index (FSI) of the project.
✓ Correct Ans A. 10
B. 25
C. 50
D. 75
Q: 75 A minimum cash margin of _______% shall have to be maintained in respect of guarantees issued by Bank for Capital Market
operations favouring stock / commodity exchange.
A. 15
C. 50
D. 75
Q: 76 Infrastructure Debt Fund (IDF – NBFC) is a company registered as NBFC to facilitate the flow of long term debt into infrastructure
projects. IDFNBFC raise resources through issue of Rupee or Dollar denominated bonds of minimum ______year maturity. Only
Infrastructure Finance Companies (IFC) can sponsor IDFNBFCs.
A. 1
B. 3
D. 10
Q: 77 NBFC – Micro Finance Institutions (NBFC-MFI) is a non-deposit taking NBFC having not less than ______ of its assets in the
nature of qualifying assets subject to satisfying other criteria laid down by RBI.
A. 35%
B. 75%
D. 100%
Q: 78 The scheme is for financing production of feature films, involving the entire gamut of functions involving pre and post production
processes. Such financing can be made to film producers who have a good track record for atleast _____years and are not
defaulters with NFDC or any other financial institution. Our finance should not exceed _____% of the project cost.
A. 2 Yrs & 35%

✓ Correct Ans B. 5 Yrs & 35%
C. 2 Yrs & 50%
D. 5 Yrs & 50%
Q: 79 Joint Lending Arrangement (JLA),The scheme shall be applicable to all lending arrangements, with a single borrower with
aggregate credit limits (both Fund Based and Non-Fund Based) of _______ Crore and above involving more than one Public
Sector Bank. All non investment grade borrowers rated below BBB or equivalent irrespective of the amount of exposure.
A. 50 Cr
B. 100 CR
✓ Correct Ans C. 150 Cr
D. 500 Cr
Q: 80 Consortium advances:As far as possible meaningful participation is ensured by taking a share of atleast ________% of the total
Fund Based limits. In deserving cases, lower share may also be accepted.
A. 5%
C. 15%
D. 20%
Q: 81 Borrowers having Multiple Banking Arrangement (MBA) below ______ crore may also be encouraged to come under JLA, so that
the wholesome view of the assessment of credit requirement as well as the entire operations of the customers can be taken by
the bank.
A. 100
C. 250
D. 500
Q: 82 Powers for granting of FCLRs for liquidation of existing Rupee Term Loans is as under :
A. DGM-CO-CAC at Circles
B. GM-CO-CAC at Circles
✓ Correct Ans C. Both A & B
D. Only B
Q: 83 Foreign Currency Loans (FCLR) to Residents can be permitted in ___________to the existing corporate/firms with Credit Risk
Rating upto Low/Normal Risk & Moderate Risk, where the exposure is hedged or natural hedge is available and having an
excellent track record.
A. USD
B. GBP
C. EURO
D. A & B Only
✓ Correct Ans E. All the above
Q: 84 Exposure ceiling on Single/Group exposure limits are linked to internal risk rating grade. For Moderate Risk Prudential limit for
single borrower is _______% of the capital funds.
A. 8%
C. 15%
D. 25%
Q: 85 Foreign Currency Loans (FCLR) to Residents The minimum loan amount should be equivalent to USD _______ in case of
working capital loans/Term loans and equivalent to USD ________ in case of Short Term Import financing.
A. 1,00,000 & 25,000

B. 1,00,000 & 50,000
C. 1,50,000 & 25,000
✓ Correct Ans D. 1,50,000 & 50,000
Q: 86 Exposure to Real Estate Sector:The exposure ceiling to real estate shall be ________% of the Gross Credit.
A. 5%
B. 10%
C. 15%
Q: 87 Loans against security of shares, convertible bonds, convertible debentures and units of equity oriented mutual funds to
individuals from the banking system shall not exceed the limit of _______lakh per individual if the securities are held in demat
form.
A. 10 Lakh
✓ Correct Ans B. 20 Lakh
C. 30 Lakh
D. 50 Lakh
Q: 88 The Bank provides credit facilities to stockbrokers and market makers on the basis of prudent commercial judgment, within the
policy framework approved by the Board. Within the ceiling of _____ percent of the Banks‟ net worth as on March 31st of the
previous year, a sub ceiling will be fixed for credit exposure on the stockbrokers and market makers and also to any single
broking entity.
A. 20%
C. 50%
D. 75%
Q: 89 Report from Central Economic Intelligence Bureau to be sought for exposures above Rs._____ crore in respect of all prospective
borrowers and also whenever exposures turns NPA.
A. 10 Cr.
B. 25 Cr.
✓ Correct Ans C. 50 Cr.
D. 100 Cr.
Q: 90 Eligible new borrower entities having Fund Based or Non-Fund Based exposure of Rs.______ crore & above shall submit Legal
Entity Identifier (LEI) Code along with the loan application.
A. 5 Cr.
B. 10 Cr.
C. 25 Cr.
Q: 91 In case of “consumer segment” where delegation is based on the Risk Grade, Reports having status as Written Off/ Overdue
/Settled account which are more than ____ years old may be ignored for the purpose of linkage to delegation.
A. One Year
B. Two Years
✓ Correct Ans C. Three Years
D. Five Years
Q: 92 Bank provides credit facilities to the customers on the strength of the guarantees issued by other banks / FIs as per the
procedural guidelines evolved in this regard. Some of the salient features in this regard are as under: (i) The borrower shall have
satisfactory dealings with the Bank for at least 3 years. The guaranteeing bank should have a fund based exposure to the party
to the extent of at least ______% of the amount guaranteed.
A. 5%
C. 15%
D. 20%
Q: 93 Normally the duration of working capital limits will not exceed 12 months from the date of sanction. The policy of the Bank
prescribes discriminatory time schedules for fixing tenability of WC limits (standard assets) based on rating of the borrowers.
Bank shall put in place a system to ensure that the limits are renewed on time. The time schedule for tenability of limits, for all
borrowal accounts falling under Circle & HO Power, other than categories wherein the period is stipulated specifically, Maximum
Period for LR - Grade III____________Months
A. 24 Months
B. 18 Months
✓ Correct Ans C. 15 Motnhs
D. 12 Months
Q: 94 Apart from the assessment of project viability parameters as stated in the extant credit risk management policy; the bank shall
adopt risk based assessment of the Project including infrastructure. The key risk parameters for the project to be assessed at the
time of appraisal. Indicative list of risks are as under: Which of the follwoing is not correct.
A. Revenue Risk
B. Operation Risk
C. Completion Risk
D. Equity Risk
✓ Correct Ans E. Liquidity Risk
Q: 95 Irrespective of sanctioning authority, Project Appraisal Cell (PAC) at Circles shall conduct appraisal of Term Loan proposals as
under :
GM headed Circles – Project Cost upto Rs._____ Crore.
DGM headed Circles - Project Cost upto Rs._____Crore.
A. 20 & 10
B. 50 & 25
D. 200 & 100
Q: 96 In case of loans for acquiring and operating Heavy Commercial vehicles / Light Commercial Vehicles, an independent appraisal
shall be carried out and repayment capacity will be established with reference to satisfactory DSCR. Benchmark for DSCR is
A. Not less than 1

✓ Correct Ans B. Not less than 1.5
C. Not less than 2
D. Not less than 2.5
Q: 97 Currently bank uses a score card for risk assessment of its retail borrowers as pre sanction exercise. All retail borrowers,
irrespective of exposure value, are rated using this scorecard. Borrowers scoring more than _______% are considered to be
investment grade.
A. 50%
C. 75%
D. 90%
Q: 98 Claims on Domestic Sovereign, Claims guaranteed by State Government-Risk Weight (%) is
A. Zero %
B. 10%
C. 15%
Q: 99 The claims on a bank which are denominated in domestic foreign currency met out of the resources in the same currency raised
in that jurisdiction will be risk weighted at _____% provided the bank complies with the minimum CRAR prescribed by the
concerned bank regulator.
A. 5%
B. 10%
C. 15%
E. None of the borrower.
Q: 100 In terms of Section _________ of the Banking Regulation Act, 1949, Bank cannot grant any loans and advances on the security
of its own shares.
✓ Correct Ans A. 20 (1)

B. 5 (1)
C. 10 (b)
D. 12 (a)
Score Card Report
Start Time: Jan 10 2020 10:05AM
End Time: Jan 10 2020 10:06AM
Time Taken: 1:5 Minutes
Total Questions: 100
Correct: 0
Partially Correct: 0
Incorrect: 0
Unanswered: 100
Points: 0/100
Percentage: 0%
Result: Fail
Negative Marks: 0
--- END OF REPORT ---

Test On Ctedit Policy

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Test On Credit Policy 0/100 : 0%

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✓ Correct Ans A. CAC of the Board & Above authorities

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Q: 3 Total Priority Sector Target

✓ Correct Ans A. 40 percent of ANBC* or CE-OBS Exposure** whichever is higher.

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A. 50% & 200 Cr

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A. 100 & 200

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✓ Correct Ans A. One Year

✓ Correct Ans A. Large Corporate Module

C. Large Trader Module

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✓ Correct Ans A. Chairman of the Bank

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Q: 18 Micro Enterprises Target

✓ Correct Ans A. 7.5 percent of ANBC or CE(OBS Exposure), whichever is higher

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Q: 22 Housing:On-lending by HFCs is Rs._______lakh per borrower.

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A. 30% & 100 Cr

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Q: 31 Micro, Small and Medium enterprises (MSMEs),Service Sector - Investment in equipment

✗ Your Ans A. Micro Enterprises Correct Ans

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✓ Correct Ans A. National Commodity and Derivative Exchange Ltd.

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✗ Your Ans A. Individual borrowers for

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Q: 55 Tenability of Working capital limit for Kisan Suvidha, KCCS_____.