ABM C - Unit 17 - Motivational Banker
1. As per RBI guidelines, the projected turnover method of assessment should be applied for working capital limits of up to Rs. __ in case of MSEs.

Question 1 of 48

2. Floating Interest rate on a new advance to a medium enterprise is linked to which of the following?

Question 2 of 48

3. The total priority sector target for foreign banks, operating in India, is

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4. What role does credit play in driving the national economy?

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5. What is one potential consequence of excessive availability of credit for nonproductive purposes?

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6. What was a significant event in the history of credit flow from the banking sector in India?

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7. What concept became an integral part of the banking system after the nationalisation of banks in India?

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8. What are the basic principles that influence a bank's loan policies and credit management?

Question 8 of 48

9. Which of the following is NOT a type of borrower ?

Question 9 of 48

10. Which act governs individuals as borrowers?

Question 10 of 48

11. Which type of borrowers are governed by the Indian Trusts Act 1882?

Question 11 of 48

12. What does a bank's loan policy typically include guidelines on?

Question 12 of 48

13. What is the primary purpose of credit appraisal?

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14. Which factor does credit risk management primarily aim to address?

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15. Which of the following is NOT considered an appropriate use of working capital finance according to RBI guidelines?

Question 15 of 48

16. How does RBI monitor priority sector lending by commercial banks?

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17. Which sector is NOT included in the categories under the priority sector according to RBI guidelines?

Question 17 of 48

18. What is the upper cap for agricultural finance provided for pre and post-harvesting activities, including transportation?

Question 18 of 48

19. Which type of loans against Negotiable Warehouse Receipts (NWR) or eNWR are considered under Priority Sector Lending (PSL)?

Question 19 of 48

20. Loans to cooperative societies of farmers for purchasing the produce of members are considered under Priority Sector Lending up to:

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21. What is the maximum limit for loans provided for agricultural infrastructure and food and agricultural processing under Priority Sector Lending?

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22. Which of the following is considered a salient feature under priority sector lending?

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23. What qualifies as a priority sector lending feature according to the given text?

Question 23 of 48

24. Which category of entities is eligible for consideration under the sub-target of 7.5% prescribed for the Micro enterprises segment within the priority sector?

Question 24 of 48

25. What is the maximum loan amount that can be provided to start-ups according to the definition of the Ministry of Commerce and Industry, Government of India?

Question 25 of 48

26. What is the maximum loan amount individuals can receive for housing finance in metropolitan centres with a population of ten lakh and above?

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27. For loans for repairs to damaged dwelling units, what is the maximum loan amount individuals can receive in other centres?

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28. How much is the overall cost limit of a dwelling unit in metropolitan centres for housing loans to individuals?

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29. Which institution approves loans for on-lending for housing finance up to 20 lakh for individual borrowers?

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30. What is the maximum loan amount individuals can receive for housing finance in centres other than metropolitan areas?

Question 30 of 48

31. What is the maximum loan limit per borrower for setting up schools, drinking water facilities, and sanitation facilities under the category of Social Infrastructure?

Question 31 of 48

32. Under the Social Infrastructure category, what is the maximum loan limit per borrower for building health care facilities in Tier II to Tier VI centres, including those under "Ayushman Bharat"?

Question 32 of 48

33. Under 'Social Infrastructure', what entities are eligible for bank credit extended for on-lending to individuals?

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34. What is the maximum loan limit per borrower for renewable energy purposes like solar-based power generators, biomass-based power generators, and wind mills?

Question 34 of 48

35. What is the maximum loan limit per borrower for non-conventional energy-based public utilities such as street lighting systems and remote village electrification?

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36. What is the maximum loan limit per borrower for individuals and their SHGs/JLGs directly provided by banks?

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37. What is the maximum loan limit per borrower for SHG/JLG provided directly by banks for activities other than agriculture or MSME?

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38. What paradigm shift did the MSMED Act, 2006 bring to the MSME ecosystem in India?

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39. What are the criteria for classifying an enterprise as a "Micro" enterprise under the MSMED Act, 2006, as amended in July 2020?

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40. What is the maximum loan amount for which banks are not mandated to accept collateral security in the case of loans extended to units in the MSE sector?

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41. Under which program administered by KVIC are banks advised to extend collateral-free loans up to Rs. 10 lakh to all units financed?

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42. What is the purpose of classifying stressed assets as Special Mention Accounts (SMA)?

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43. According to the provided classification, when are accounts categorized as SMA-1?

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44. What is the main objective behind identifying Special Mention Accounts (SMA) in term loan accounts?

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45. What is the maximum limit for bank credit to NBFCs (including HFCs) for on-lending as a percentage of the individual bank's total priority sector lending?

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46. What does CRILC Main reporting cover?

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47. When are CRILC SMA accounts with exposure of Rs 5 crore and above reported?

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48. What is the threshold for reporting red-flagged accounts in CRILC?

Question 48 of 48