1.

Sole banking arrangement with our bank should be for credit limits----
A 50 Crore or less
B 25 Crore or less
C 10 Crore or less
D 15 Crore or less
E 20 Crore or less
2. Focus on mid corporate enjoying credit limits of above Rs --- up to Rs --
A 10 150
B 5 100
C 10 100
D5 50
E 10 200
3. Clearance accorded by New Business Group Committee shall be
A 90 Days
B 75 Days
C 60 Days
D 120 Days
E 45 Days
4. Corporate office shall under undertake a comprehensive credit appraisal of all term
loan proposals with project of------- and above and our bank’s exposure of above ------Cr
A 100 50
B 150 75
C 70 35
D 50 30
E 100 60
5. Time norm specified for disposal of credit proposal from Micro and Small Enterprises
Above 25 Lakhs
A 3 Weeks
B 2 Weeks
C 4 Weeks
D 6 Weeks
E 1 Week

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 6. Time norm specified for disposal of credit proposals from Micro &Small
enterprises(MSEs) Above 5 lakh to 25 lakh
A 2 Weeks
B 3 Weeks
C 4 Weeks
D 6 Weeks
E 1 Weeks
7. Time frame specified for disposal of credit proposals from Micro &Small enterprises
(MSEs) upto 5 Lakhs
A 2 Weeks
B 3 Weeks
C 4 Weeks
D 6 Weeks
E 1 Weeks
8. Time frame for disposal of of credit proposals under priority sector other than MSE
Up to Rs 25000
A Within a fortnight
B Within a month
C Within a week
D Within 45 days
E Within 15 days
9 .Time frame for disposal of credit proposals other than MSE above Rs 25000
A Within a fortnight
B Within a month
C Within 2 months
D Within 8 to 9 weeks
E Within 30 months
10. Extension of validity/short renewals of limits for a maximum period of --- months and
--months in case of 1st time extension /short renewal can be permitted by respective
sanctioning authority /committees at RO/ZO/CO
A 4 1
B 5 2
C 3 2
D 6 2
E 2 1

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11 Loans and advances to individuals from the banking system against security of shares,
convertible bonds, convertible debentures, units of equity oriented mutual funds and PSU
bonds shall not exceed the limit of ------ for subscribing to IPOs
A Rs 50 lakhs
B Rs 20 lakhs
C Rs 30 lakhs
D Rs 10 lakhs
E Rs 40lakhs
12. It should be ensured that IRR should be above cost of debt
A 2% Over cost of funds
B 3% Over cost of funds
C 4% Over cost of funds
D 1% Over cost of funds
E 5% Over cost of funds
13.A ceiling of -----of gross credit is prescribed for advances against the Cash crops
,Edible oils ,Agricultural Produce ,other sensitive commodities.

A 2%
B 3%
C 1%
D 4%
E 5%
14.Loans and advances to individuals from the banking system against security of
shares ,convertible bonds ,convertible debentures ,units of equity oriented mutual funds
and PSU bonds other than for IPOs held in demat form shall not exceed the limit of
A Rs 50 lakhs
B Rs 20 lakhsa
C Rs 30 lakhs
D Rs 10 lakhs
E Rs 40 lakhs
15. Loans and advances to individuals from the banking system against security of
shares, convertible bonds, convertible debentures, units of equity oriented mutual funds
and PSU bonds other than for IPOs held in physical form shall not exceed the limit of

A Rs 50 lakhs
B Rs 20 lakhs
C Rs 30 lakhs
D Rs 10 lakhs
E Rs 40 lakhs

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 16. Joint Lending Arrangement Scheme is applicable to all lending arrangements with a
single borrower with aggregate limits (both fund based and non fund based)of---------and
involving more than one public sector banks.
A 150 Cr and above
B 100 Cr and above
C 125 Cr and above
D 200 Cr and above
E 250 Cr and above
17. Inter Bank Participation Certificate are
A One Bank sanction loan to customer of another bank
B Our Bank Customer applies loan in other bank
C Two bank sanction loan to customer of each other other bank
D Many banks sanction loan to customer of group bank customers
E Short term debt instruments through which a bank purchases apart of advances to a pool
of customers of other bank issuing bank
18. Branch has to two valuation reports from independent valuers, for
A Housing loans 50Lakh andaboveand other mortgage loans 1 crandabove.
B Housing loans 1 cr and above and other mortgage loans 2 cr and above
C Housing loans 1 cr and above and other motgage loans 5 cr and above
D Housing loans 1 Crore and above other mortgage loans 10 Cr and above
E Housing loan 5 Cr and above other mortgage loan 10 cr and above
19. Under loan system of delivery of bank credit ,for credit limits 10 crore and above --- loan
component should be
A 70%
B 90%
C 80%
D 60%
E 50%
20. The maximum level of term loans of the Bank is fixed at----------- on the basis of residual
maturity

A 60% of the gross credit

B 60% of net credit
C 50% of gross credit
D 50% of net credit
E 75% OF Gross credit

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21. For term loan of --------and above or where the project cost is ----------- and above,
Sensitivity analysis is to be done and IRR to be calculated.
A 20.00 Cr 40.00 Cr
B 30.00 Cr 50.00 Cr
C 10.00 Cr 20.00 Cr
D 05.00 Cr 10.00 Cr
E 25.00 Cr 50.00 Cr
22. Prior clearance of ALCO shall be obtained for taking term loan exposures above----
crores with repayment period of ----- years and above. Take out financing should also be
encouraged
A Rs 100.00 15 years
B Rs 50.00 10 Years
C Rs 80.00 10 Years
D Rs 90.00 15 Years
E Rs 150.00 15 Years
23. Debt Equity ratio for infrastructure financing should be below
A 5.67:1
B 5.00:1
C 2.50:1
D 5.25:1
E 5.67:2
24. Promoters’ contribution for infrastructure finance not below
A 12%
B 15%
C 10%
D 20%
E 05%
25. Fixed Asset coverage ratio for infrastructure financing(FACR)
A Minimum 1.25:1
B Minimum 1.33:1
C Minimum 1.10:1
D Maximum 2.10:1
E Maximum 2.25:1

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 26. Project Internal Rate of Return should be ----above weighted average cost of capital
A 1%
B 3%
C 2%
D 4%
E 5%
27. As per credit policy -----------find odd man out
A: Loans and advances against our bank shares should not be granted.
B. Loans to companies for buy -back of shares /securities should not be granted.
C. No loan should be granted against partly paid shares’
D.No loans should be granted to partnership /proprietorship concerns/trusts/endowments
against primary security of shares and debentures.
E.No loans should be granted to promoters/directors against real assets
28. Need based working capital facilities as well as term loans may be extended to NBFC
registered with RBI and engaged in---------Find odd man out
A . Leasing
B . Hire purchase
C. Loan factoring
D. Investment activities
E. Credit Rating Services
29.A ceiling of 1% of gross credit is prescribed for advances against the following
commodities’
A .Cash crops
B .Edible oil
C. Agricultural Produce
D. Other sensitive commodities
E. All the above
30. Which of following is not a focus sector for granting loans in credit policy
A. Agriculture
B. Micro ,Small and Medium Enterprises
C. Housing
D. Mid corporates
E. Infrastruture

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31. New Business proposals does not consists of
A.Takeover proposals of existing business ventures
B. New business ventures where borrowers are not enjoying any credit facility with any bank/
financial institution.
C. Scouting of new business under consortium/Joint Lending Arrangement.
D. Greenfield Projects
E. Bulk deposit mobilisation from govt department or non govt sectors
32. Receivables of the following successfully commissioned projects may be considered for
financing after commencement of commercial operations.
A.Transportation projects like road/bridge projects.
B. Airport projects
C. Power generation, transmission and distribution
D. Port Projects
E. All the above
33.For term loan of ₹10.00 Crores and above or where the project cost is ₹20.00 Crores and
above, ---------------is to be done and IRR to be calculated.
A Credit Analysis
B. Sensitivity analysis
C. Ram Rating
D. Analysis of financial statements
E. Ratio Analysis
34.An overall exposure ceiling of --------- of gross credit and non SLR investments has been
fixed in respect of all exposures under Real Estate.
A 10%
B 15%
C 20%
D 25%
E 30%
35. Within the overall ceiling of 20% of gross credit a sub ceiling of ---------- of gross
credit and non SLR investments has been fixed for commercial real estate exposures,
including CRE-RH and LRD.
A 5%
B 25%
C 10%
D 7.5%
E 15%

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 36. SyndRent facility to Landlords of our Bank premises: The existing powers at Branch
and RO level to sanction loans to landlords of our bank premises/residences against
future rent receivables stand withdrawn. Such Loans are to be sanctioned by
-----------------------as under:
A ZO
B CO
C Committees at ZO/CO
D Committees at Z o
E Committee at Head Office
37. Prior clearance from ------------ required in all Synd Rent Proposals
A HO PMC
B HO Credit
C HO OMD
D HO GAD
E HO RMD
38. Hurdle rate for Commercial Real Estate loans shall be
A SYND 3
B SYND 4
C SYND 5
D SYND 2
E SYND 6
39. For credit facilities against commercial real asset value of primary and collateral
security
A 150%
B 175%
C 100%
D 125%
E 200%
40. Net worth would comprise
A Paid-up equity capital plus Free Reserves including Share Premium plus credit
balance in Profit & Loss account
B Accumulated losses, debit balance in the Profit and Loss account, intangible assets
and Revaluation Reserves
C A+B
D A-B
E None of above

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 41. Bank Guarantees can be sanctioned and issued by branches for a maximum period
of
A 5Yrs
B 1Yrs
C 2Yrs
D 3Yrs
E 10 Yrs
42. Guarantees for 3 to 10 years can be issued with the permission of

A Branch
B RO
C ZO
D CO
E HO
43 . Guarantees for above 10 Yrs can be sanctioned by
A Branch
B RO
C ZO
D CO
E HO
44. Financial guarantees are direct credit substitutes wherein a Bank irrevocably
undertakes to guarantee the repayment of a contractual financial obligation .Which of
following is not financial guarantee.
A Guarantees for credit facilities;
B Guarantees in lieu of repayment of financial securities;
C Guarantees in lieu of margin requirement of exchanges;
D Guarantees for mobilization advance
E Retention money guarantees;
45. Performance guarantees are essentially transaction-related contingencies that
involve an irrevocable undertaking to pay a third party. Which of following is not
performance guarantee?
A Guarantees for credit facilities ;
B Performance Bonds and Export Performance Guarantees;
C Guarantees in lieu of Security Deposits/Earnest Money Deposit (EMD) for participating in
tenders;
D Retention money guarantees;
E Warranties, Indemnities and Standby Letters of credit related to particular transaction

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46.Guarantee commission has to be collected for a minimum period of 3 months and in
completed quarters for above 3 months.
A 1 Yrs
B 3 Yrs
C 6 Months
D 3 Months
E 1 Months
47. The format AF 638 is to be used for issue of guarantee bond to the Department
concerned
A AF 635
B AF 638
C AF 618
D AF 614
E AF 571
48. Full form of SFMS is
A Standard Financial Management System
B Structured Foreign Messaging System
C Statistical Financial Monitoring System
D Standard Financial Monitoring System
E Structured Financial Messaging System
49. NBG committee at ZO is empowered to give clearance up to Rs. ----- Crores in Rent
receivable proposals
A. 5
B. 15
C. 25
D. 35
E. No Power

50. What is LEI? to whom is it applicable as of now and many digits are their in LEI ( Clue:
Cir. No. 516/17)
A. Legal Entity Identifier, All Large Corporate Borrowers, 12
B. Legal Entity Identifier, Large Corporate Borrowers of more than Rs.5 crores,
10
C. Legal Entity Identifier, Large Corporate Borrowers of Rs.50 crores and above,
20
D. Legal Entity Identifier, Large Corporate Borrowers of more than Rs.50 crores,
11
E. Legal Entity Identifier, Large Corporate Borrower of more than ERs.35 crores,
15

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 ANSWER SHEET

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

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