State Bank of India, SBLC, Dharwad.

STATE BANK OF INDIA SBLC, DHARWAD. Multiple Choice Questions on Agriculture Advances
PLEASE CIRCLE / TICK THE CORRECT ANSWER. State Banks Apna Gaon Scheme is a Adoption of village b service area approach c Govt sponsored scheme d Dairy Scheme Under ADWDR scheme, banks are allowed to receive even less than 75% of the eligible amount under OTS provided : a The bank bears the difference to the extent of 50 % b The bank bears the difference to the extent of 75 % c The bank bears the difference to the full extent. d The State Govt bears the difference. After delayaring of zonal office, who accords approval to the bank's own scale of finance for progressive farmers. a Agm of the Region b Circle Rural Business Head (DGM) at LHO / DGM (CPCs). c Corporate Center d DLTC What is the Maximum loan amount that can be sanctioned under our Gram Niwas Sheme for repairing of house. a 1.00 lac b 1.50 lac c 1.75 d 2.00 lac Name the micro insurance scheme launched by us for Self Help Group (SHG) members. a Super Suraksha b Super Shakthi c Gram Suraksha d Grameen Shakti Max Subsidy Ceiling available to companies & corporations for construction/ renovation/expansion of rural go-downs is : a Rs.25.00 lakhs b Rs. 28.50 lac c Rs 28.12 lakhs d no ceiling At least two third of DRI advances should be granted through : a Rural CPC b Rural branches c Rural and Semi urban branches d Semi Urban Branches For foreign banks the priority sector lending target is ___ % of Adjusted Net Bank Credit a No Target b 32% c 11% d 40% Who is responsible for verifying KYC in case of a loan application sourced by OMR ? a ) Branch Manager b Team Leader c Field Officer d OMR Heifer means a Certified Tractor. b A variety of Cow c GM seed variety d A growing female calf. Policy guidelines for the year 2009-10 envisage the Rural and semi urban branch network to reach _________by March 2010. a 10000

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A.R.Sathyanarayana Swamy, Chief Manager ( Trg ). 22/12/2009

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b 8000 c 9000 d 7000 Policy guidelines for the year 2009-10 target a growth of ____ % in Agri advances a 22 b 27 c 32 d 40 Who approves the list of Below Poverty Line (BPL) households for SGSY finance? a Gram Sarpanch b Zilla Panchayat c DC of the District d Gram Sabha. The 'annewari' declared is less than 6 annas means the yield is less than _____% of the average yield in a normal year. a 60% b 50% c 25% d 40% For production loan (KCC/ACC) upto Rs 50,000/- no due certificate is _______ a A mandatory requirement. b Not required. c A declaration from the prospective borrower d None of the above. The share of Agriculture in GDP of India during 2008-09 was a 80 % b 18% c 20% d 17% The no. of SHGs operating in our country as on March 31 2009 is ___. a 2.4 million b 4.2 million c 4.2 Billion d 4.4 million Additional subvention of 1% is available to the prompt paying farmers on the short-term production credit availed by them during the year for a maximum amount of Rs._____ lac. a 1.00 b 2.00 c 3.00 d 4.00 In Agl segment a certificate from the borrower, certifying that the funds have been used for the purpose for which the advance is sanctioned, should be obtained with advances ________ a Rs.25 lac & above. b Rs.50 lac & above c Rs.75 lac & above d Rs.100 lac & above We cant takeover Agricultural Advances from: a Commercial Banks b Agri Credit Societies c Co Operatives d Associate Banks. The minimum amount eligible for take over of KCC limit is : a Rs.0.50 lac. b Rs.1.00 lac c Rs.2.00 lac. Rs.3.00 lac. d The minimum amount eligible for take over of ATL for Allied activities is a Rs.1.00 lac b Rs.2.00 lac c Rs.5.00 lac d Rs.10.00 lac. The minimum amount eligible for take over of ATL other than allied activities is :

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a Rs.1.00 lac b Rs.2.00 lac c Rs.5.00 lac d Rs.10.00 lac. Which one of the following is not a take over norm . a Take over from associate banks is not permitted b The original repayment period is adhered to The account should be regular & standard in the books of other Banks at least for a period of c 1 year. The account should be regular & standard in the books of other Banks at least for a period of d 2 years Whether ATLs of incomplete nature are eligible for take over ? a Yes b No c Yes above Rs.10.00 lac d Yes above Rs.2.00 lac. ATLs with a minimum ______ years repayment Programme left are eligible for take over. a 01 b 02 c 03 d 04 Advances which are outside the service area are also eligible provided : a The advance amount should be above Rs.05.00 lac. b The advance amount should be above Rs.10.00 lac c The advance amount should be above Rs.15.00 lac d None of the above. Which one of the following is a norm for taking over of ATL advances. a Crop loans converted to Term Loans & Term Loans rephrased are eligible for take over. b Only Crop loans converted to Term Loans are eligible for take over. c Only Term Loans rephrased are eligible for take over. d Crop loans converted to Term Loans & Term Loans rephrased are not eligible for take over. While taking over of advances dilution in the security is permitted up to : a 10 % b 15 % c 20 % d None of the above. The max amount eligible for take over is a Rs.100.00 lac B Rs.50.00 lac c Rs.50.00 lac & beyond Rs.50.00 lac AC from LHO is required. d None of the above. While take over of advances above Rs.25.00 lac the min CRA required is a SB 10 b SB 09 c SB 08 d SB 07 The SANJEEVANI scheme is for : a Financing Herbal crops b Financing poor farmers c Finance for repairs & maintenance & addition of new implements to Tractors. Both ACC & ATL facilities are sanctioned. d The SANJEEVANI loan is classified as : a Direct finance to Agriculture under Priority sector. b In direct finance to Agriculture under Priority sector c Direct finance to Agriculture under Priority sector irrespective of the amount of loan. d Direct finance to Agriculture under Priority sector subject to other terms & conditions. The quantum of loan under the SANJEEVANI scheme is : a Min. Rs.1.00 lac & Max Rs.2.00 lac. b Min. Rs.0.50 lac & Max Rs.1.00 lac. c Min. Rs.0.50 lac & Max Rs.2.00 lac. d Min. Rs.1.00 lac & Max Rs.1.50 lac. The margin under SANJEEVANI scheme is :

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a 20 % b Up to Rs.50,000/- 10 % & above Rs.50,000/- 20%. c Up to Rs.50,000/- NIL & above Rs.50,000/- 10%. d Up to Rs.50,000/- 10 % & above Rs.50,000/- 15- 25 % of invoice price. The security requirement under SANJEEVANI scheme is : a Up to Rs.50,000/- Pri. Hypothecation of Tractor & Collateral NIL. b Hypothecation of Tractor c Above Rs. 50,000/- Pri. Hypothecation of Tractor & Collateral mortgage of land. d Both a & c. The min DSCR required under SANJEEVANI scheme is a 2.00 b 2.25 c 1.50 d 1.75 The repayment period under SANJEEVANI scheme is a 09 years b Max 05 years c Max 05 years or up to the repayment of the last installment of existing Tractor loan Max 05 years or up to the repayment of the last installment of existing Tractor loan which d ever is earlier. Tractors older than ______ years are not eligible for SANJEEVANI loan a 09 b 08 c 07 d 06 Upfront fee under SANJEEVANI scheme is a Rs.250/b Rs.500/c Rs.750/d NIL. Interest subvention scheme is governed by: a Nabard b Rbi c Corporate centre d Govt of india What type of crop loans are eligible for subvention ? a All Crop loans . b Only short duration Rabi & Khariff crops with a max limit of Rs.3.00 lac. c All Crop loans with Rs.3.00 lac limits d Only long duration Rabi & Khariff crops with a max limit of Rs.3.00 lac Interest rate on eligible accounts should be reset at : a Card rate minus subvention b 9% c 7% d 7% till renewal. The subvention is available for khariff crop from the date of disbursement/drawl up to : the date of payment or up to the date beyond which the outstanding loan becomes overdue a i.e 31.03 of next year , which ever is later. the date of payment or up to the date beyond which the outstanding loan becomes overdue b i.e 31.03 of next year , which ever is earlier c Due date d None of the above. Banks are required to submit subvention claims to RBI on : a Half yearly basis b Quarterly basis c Annual basis d Half yearly basis as at 30th Sep & 31st March. The Rabi crop claim up to 31st March includes claim up to: a 31st March b 31st May c 30th June d Up to date of repayment. The subvention amount is a 2%

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b 3% c Subject to annual review by the govt. d 75 The interest rate to be charged on eligible crop loans after the cut off date is a Banks normal rate of interest b 9% c 7% d At SBAR Whether Agricultural Gold Loans are eligible for subvention ? a Yes b No c Yes , provided the loan amount is less than Rs.10.00 lac. d No clear guidelines. Whether Produce marketing Loans are eligible for subvention ? a Yes b No c Yes , provided the loan amount is less than Rs.10.00 lac. d No clear guidelines.

Answers 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. A C B D D C C B D D A B D B C D B C B D C D B C D 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 B D D D C D C A B D D D D A D D B C B D C C A A B

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