MSME LARGE Corporate 2020 BA BARODA Print - Quizizz

12/18/2020 MSME_LARGE_corporate_2020_BA_BARODA | Print - Quizizz
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MSME_LARGE_corporate_2020_BA_BARODA
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99 Questions
1. IBA approved simpli ed common Appraisal Format are

applicable upto loans of Rs. --------- crores, to MSMEs
a) 0.1 b) 1
c) 5 d) 10
2. Who among the following can be a sponsor for DNCC

committee?
a) Respective R.H. b) RO Credit In-charge
c) Any one of the above d) None of the above
3. "Lakshya MSME" campaign is valid upto ------
a) 31.12.2020 b) 31.03.2021
c) 15.01.2021 d) 28.02.2021
4. In respect of SME Loan Factories, "M" in "CMO" stands for --

-------
a) Measured b) Monitoring
c) Management d) Mid
5. "CMO" guidelines of SME Loan Factories are applicable for

limits of Rs. --------- and above.
a) 1.00 crore b) 2.00 crores
c) 5.00 crores d) 10.00 crores
https://quizizz.com/print/quiz/5fd9f8b44be7fe001bf8221d 1/18
6. Under CMO concept,the sharing of documents/ information

ow is proposed to be via ---------
a) Finacle b) CREMON
c) SharePoint d) MS-TEAMS
7. In case of CMO concept of SMELF, frequency of report

generation of fresh and review with enhancement
sanctions is ------------ basis.
a) Daily b) Weekly
c) Fortnightly d) Monthly
8. With reference to "SMA Vasooli Abhiyaan", SPOC at Zonal

Level is -----------.
a) Zonal Head b) Dy. Zonal Head

c) Zonal Recovery Incharge d) Zonal Credit Incharge
9. Validity of scheme of "Pre-approved MSME Loan to Current

Account Holders" is upto --------------.
a) 31.03.2021 b) 31.12.2020
c) 31.01.2021 d) 28.02.2021
10. Which of the following exposures is/ are required to

undergo Credit Risk Evaluation process?
a) Value Chain Finance b) Sta Loans
c) ODBOD d) None of the above
11. As per our Bank's guidelines, for Project Finance, "MSME

exposure" is ascertained, for project costs upto Rs. ------------
crores
a) 5 b) 10
c) 20 d) 50
12. As per our Bank's guidelines, performance review report of

all approved products, is to be submitted to CPC after --------
---- month/s of rollout.
a) 1 b) 3
c) 6 d) 12
13. Processing of credit proposals with exposure of Rs.50

crores and above is to be done by the o cers having
minimum experience of ------ years in credit function.
a) 3 b) 5
c) 10 d) 15
14. Which of the following is an odd-man-out?

a) Fitch b) S&P
c) CRIF Highmark d) Moody's
15. As per EASE norms, nancial ratios of listed entities, are to

be monitored on ----------- basis
a) Monthly b) Quarterly
c) half yearly d) Annual
16. For overseas operations, cuto grade for unsecured loans

is --------
a) BOB-6 b) BOB-5
c) BOB-4 d) BOB-3
17. For domestic operations, cuto grade for unsecured loans

is --------
a) BOB-6 b) BOB-5
c) BOB-4 d) BOB-3
18. Which of the following are not classi ed for nancial

instrument?
a) Inventory b) Trade Receivables

c) Trade Payables d) Preference Share
19. In case of infrastructure nance, "O" in "BOT" stands for ----

---
a) Origin b) Operate
c) Over d) On
20. Maximum DLP of CC-CGM (Field) is Rs. ---------- crores.

a) 75 b) 50
c) 100 d) 200
21. Minimum DLP of CC-CGM (Field) is Rs. ---------- crores.
a) 75 b) 50
c) 100 d) 200
22. What is the revised power of CACB for sanctioning loan to a

single borrower/ group expoaure?
a) Rs 500 Crs b) Rs 800 Crs
c) Rs 1000 Crs d) Rs 1500 Crs
23. What are the revised inspection charges for accounts with
limit above Rs 10 Crs?
a) Rs 10000 + GST per location with a cap of b) Rs 25000 + GST per location with a cap of
Rs 200000 + GST per annum for all Rs 200000 + GST per annum for all
locations put together locations put together
c) Rs 10000 + GST per location with a cap of d) Rs 25000 + GST per location with a cap of
Rs 250000 + GST per annum for all Rs 250000 + GST per annum for all
locations put together locations put together
24. Which of the following is a types of Loan syndication?
a) Leveraged Deal b) Club deal
c) Consortium arrangement d) Credit arrangers
25. Which cell is responsible for preparation of ICAAP Policy?
a) ERM Cell b) ALM Cell
c) RMD Cell d) EIU Cell
26. Payable nance is a mechanism, through which bank

provides overdraft limits to ----------
a) Anchor b) vendors
c) suppliers d) spokes
27. Which is the best external rating, for long term credit
facilities?
a) A b) AAA
c) AA d) BBB
28. The competent authority for disbursement permission for

exposure of Rs. 5.00 crores, pending security perfection, for
BOB-6 account is ------------
a) Zonal Head b) COCC-ED

c) COCC-GM d) MCB
29. In case of DNCC committee, DLP for group borrowING limit

is Rs. --------- crores
a) 40 b) 60
c) 100 d) 200
30. Maximum power of write o of CACB is Rs. --------- crores
a) 50 b) 25
c) 100 d) No upper limit
31. What is the maxmium amount of outstanding as on

29.02.2020 covered under BOB Guaranteed Emergency
credit line scheme (BGECLS) ?
a) Rs. 25 crores b) Rs. 50 crores
c) Rs. 75 crores d) Rs. 100 crores
32. What is the maximum amount of turnover underexisting

MSMEs as per revised de nition eligible for BOB guaratnee
emergency credit line (BGECLS) ?
a) Rs.100 crores b) Rs. 150 crores
c) Rs. 200 crores d) Rs. 250 crores
33. What is the maximum loan tenure under PM SVANidhi

scheme?
a) 6 months b) 12 months
c) 36 months d) 60 months
34. What is the criteria for eligibilty of MSMEs under one time
restructuring scheme?
a) Aggregate exposure Rs. 25 crore as on b) Aggegrate expsoure Rs. 50 crore as on

01.01.2020 01.01.2020
c) Aggegrate expsoure Rs. 25 crore as on d) Aggegrate expsoure Rs. 50 crore as on

01.03.2020 01.03.2020
35. What is moratorium prescribed on principal under BGECL?

a) No moratorium b) 6 months
c) 1 year d) 2 years
36. What is minimum cut o score for acceptable borrower

above Rs. 10.00 lacs under PMEGP scoring model?
a) 40/100 b) 50/100
c) 60/100 d) 70/100
37. As per the revised de nition of regulatory MSME guidelines

, enterprises are required to submit which of the following
certi cates?
a) Udyog Aadhar Memorandum b) Udyam Registration certi cate
c) EM Part II registration d) Udyam Registration Memorandum
38. As per the revised de nition of regulatory MSME guidelines

, which value of plant & machinery or equipment to be
considered for classi cation purpose?
a) Written down value b) Original invoice value
c) Straight line value d) Double declining Balance
39. For MSME enterprise obtaining which of the following

documents is mandatory from 01.04.2021?
a) PAN b) GST
c) (a) & (b) both the above d) any one of the above
40. What is the maximum quantum of nance under pre-

approved MSME loans to current account holders based on
cash ow based lending model?
a) Rs. 5 lacs b) Rs. 10.00 lacs
c) Rs. 50.00 lacs d) Rs. 100.00 lacs
41. What is the minimum amount of nance under pre-

approved MSME loans to current account holders based on
cash ow based lending model?
a) Rs. 0.50 lacs b) Rs. 0.75 lacs
c) Rs. 1 lac d) Rs. 5 lacs
42. What is the maximum repayment under pre-approved

MSME loans to current account holders?
a) 12 months b) 18 monhts
c) 24 months d) 36 months
43. As per revised guidelines of BGECLS, what is the maximum

amount of overdues that can be allowed for the borrower?
a) 0.25 % of loan amount b) 0.50 % of loan amount
c) 1.00 % of loan amount d) 1.50 % of loan amount
44. As per the revised guidelines of BGECLS, decision of

stipulation of 2nd charge has been waived in respect of
loans up what o/s amount?
a) Rs.10 lacs b) Rs. 25 lacs
c) Rs. 50 lacs d) Rs. 100.00 lacs
45. As per the latest guidelines fresh exposure should not be

taken in MSMEs below with _______ rating
a) CMR 5 b) CMR 6
c) CMR 7 d) CMR 8
46. What should be done in case guarantee has been secured

for aggregate facilities including BGECLS?
a) Cancel the entire guarantee b) relinquish the guarantee for BGECLS
c) relinquish the guarantee for exisiting d) continue till the next review
facilities
47. In view of COVID pandemic, SME grading has been

withdrawn till ________
a) 31.12.2020 b) 31.03.2021
c) 30.09.2021 d) till date of next review
48. What will be the commitment charges levied on customers

enjoying working capital limits of above Rs. 1.00 crore and
submitting QIS statement?
a) 0.5 % of balance un utilized portion to total b) 0.6 % of balance un utilized portion to total
limits limits
c) 0.5 % of balance un utilized portion below d) 0.6 % of balance un utilized portion below
60 % of declared utilization in QIS 60 % of declared utilization in QIS
49. What will be the commitment charges levied on customers

enjoying working capital limits of above Rs. 1.00 crore and
not submitting QIS statement?
a) 0.5 % of balance un utilized portion to total b) 0.6 % of balance un utilized portion to total
limits limits
c) 0.5 % of balance un utilized portion below d) 0.6 % of balance un utilized portion below
60 % of utilization in QIS 60 % of utilization in QIS
50. As per revised inspection charges maximum per location

charges in case of MSME borrowers is ____+GST
a) Rs. 5000 b) Rs. 7500
c) Rs. 10000 d) Rs. 25000
51. What is the maximum coverage under CGTMSE scheme for

retail trade?
a) Rs. 100 lacs b) Rs. 200 lacs
c) Rs. 150 lacs d) Rs. 250 lacs
In case of hybrid security coverage, CGTMSE will have ______

52. charge on collateral securities
a) First b) Second
c) Pari-Passu d) Exclusive
53. What is the applicable AGF fees for borrowers engaged in

retail trade , covered under CGTMSE?
a) 1.00 % +risk premium b) 1.5 % +risk premium
c) 1.75% +risk premium d) 2.00 % +risk premium
54. What is the applicable AGF fees for women, micro

enterprise & unit in North east with limit upto Rs. 5 lacs ,
covered under CGTMSE?
55. What is the applicable AGF fees for "other category of

borrower" with limit above Rs. 5 lacs upto Rs. 50 lacs ,
covered under CGTMSE?
56. What is the applicable AGF fees for borrower with limits
above Rs. 50 lacs and up to Rs. 200 lacs , covered under
CGTMSE?

57. What is the revival risk premium to be paid in case the

account is closed due to non payment of AGF?
a) 0.05 b) 0.1
c) 0.15 d) 0.2
58. What is the maximum extent of guarantee coverage for

micro enterprise with limits upto RS. 5.00 lacs under
CGTMSE?
a) 85 % subject to maximum of Rs. 4.25 lacs b) 75 % subject to maximum of Rs. 3.75 lacs
c) 75 % of total limit d) 85 % of total limit
59. What is the maximum extent of guarantee coverage for

women entrepreneurs with limits upto RS. 50.00 lacs under
CGTMSE?
a) 85 % subject to maximum of Rs. 34 lacs b) 80 % subject to maximum of Rs. 40 lacs
c) 80 % of total limit d) 85 % of total limit
60. Claim settlement under CGTMSE will be completed in how

many tranches?
a) 1 b) 2
c) 3 d) 4
61. What is the margin clause for taking industrial property as a

security in case of Baroda Pride Scheme ?
a) 40% on realizable value of industial b) 50% on realizable value of industial

propertry propertry
c) 60% on realizable value of industial d) Industrial Property can not be taken as

propertry security
62. In Baroda Pride Scheme, if industrial property is taken as

security it should be in the name of _______.
a) MSME Unit only b) Promoter only
c) Director only d) Any of the above
63. In Baroda Pride scheme, while considering industrial

property as security if CMR rating is coming in between 6 to
10, the deviation is to be taken from
a) ZOCC-CGM b) COCC-CGM
c) COCC-ED d) MD & CEO
64. As per RBI guideline, for considering an MSME unit under

one time restructuring, what should be the maximum
aggregate exposure limit as on January 1,2020?
a) 25 Crs b) 50 Crs
c) 100 Crs d) 200 Crs
65. As per RBI guideline, during this Financial year the one time
restructing of MSME unit is to be completed by?
a) 30.09.2.2020 b) 30.09.2020
c) 31.12.2020 d) 31.03.2021
66. What is the additional provisioning a bank has to made in

case of one time restructuring of MSME unit?
a) 0.05 b) 0.075
c) 0.1 d) 0.15
67. What is the maximum loan amount that can be sanction

under Baroda Guaranteed emergency credit line scheme
(BGECLS)?
a) 10% of total O/s up to Rs 25 Crs b) 15% of total O/s up to Rs 25 Crs

c) 20% of total O/s up to Rs 25 Crs d) 25% of total O/s up to Rs 25 Crs
68. What is the last date for sanctioning a facility under Baroda
Guaranteed emergency credit line scheme (BGECLS) 2.0?
a) Upto 31.10.2020 b) Upto 30.11.2020
c) Upto 31.12.20202 d) Upto 31.03.2021
69. What is the turnover crieteria for considering a facility

under Baroda Guaranteed emergency credit line scheme
(BGECLS) 2.0?
a) Annual Turnover up to Rs 250 Crore b) Annual Turnover up to Rs 500 Crore

c) Annual Turnover up to Rs 1000 Crore d) No such limit
70. Which facility is to be sanctioned under Baroda Guaranteed

emergency credit line scheme (BGECLS)?
a) Working Capital Demand loan b) Additional Working Capital Term Loan
c) Working Capital Term Loan d) Additional Funded Interest Term Loan
71. What is the maximum repayment given under Baroda

Guaranteed emergency credit line scheme (BGECLS)?
a) 24 months from the date of disbursement b) 36 months from the date of disbursement
including moratorium of 06 months including moratorium of 12 months
c) 48 months from the date of disbursement d) 36 months from the date of disbursement
including moratorium of 12 months including moratorium of 06 months
72. How much margin a borrower has to maintain under

Baroda Guaranteed emergency credit line scheme
(BGECLS)?
a) 0.05 b) 0.1
c) 0.15 d) NIL
73. What security a borrower has to be provided to avail

(BGECLS)?
a) 100% collateral security b) 50% collateral security
c) extension of primary & collateral security d) No security is required
74. What is prepayment penalty in case of Baroda Guaranteed

emergency credit line scheme (BGECLS)?
a) NIL b) 2% of outstanding
c) 4% of outstanding d) 5% of outstanding
75. What is the processing fee to be charged by our bank for

sanction of loan under Baroda Guaranteed emergency
credit line scheme (BGECLS) ?
a) 0.25% subject to maximum Rs 5000/- b) 0.10% with no maximum limit
c) No processing charge applicable d) Rs 20,000/- for each application
76. Which of the following account will not be eligible under

(BGECLS)?
a) Account classi ed as regular as on b) Account classi ed as SMA-0 as on
29.02.2020 29.02.2020
c) Account classi ed as SMA-1 as on d) Account classi ed as SMA-2 as on

29.02.2020 29.02.2020
Who is nodal agency providing 100% guarantee cover to the

77. additional working capital term loan (AWCTL) under Baroda
Guaranteed emergency credit line scheme (BGECLS)?
a) National Credit Guarantee Trustee b) Credit Guarantee Fund Trust for Micro &
Company Ltd (NCGTC) Small Enterprise
c) Reserve Bank of India d) Insurance Regulatory and Development

Authority (IRDA)
78. What is the cut-o date to make an account eligible under

(BGECLS)?
a) 29.01.2020 b) 29.02.2020
c) 29.03.2020 d) 31.03.2020
79. The interest equalisation scheme on Pre and Post shipment

Rupee Export credit to MSME sector is available to newly
classi ed MSME’s from
a) 1st June, 2020 b) 1st July, 2020

c) 1st Aug, 2020 d) 1st Sep, 2020
80. CGSSD scheme is applicable on MSME who were standard

before (112/436)
a) 31st March, 2020 b) 31st March, 2019
c) 31st March, 2018 d) 31st March, 2017
81. CGSSD will be given in a/an _________ form.
a) Overdraft b) Cash credit

c) Personal loan d) Home Loan
82. The maximum loan amount under CGCCD is ____
a) Rs. 50 lakh b) Rs. 75 lakh

c) Rs. 100 lakh d) Rs. 125 lakh
83. The maximum loan tenure under CGCCD will be ____

a) 5 years b) 7 years
c) 10 years d) 3 years
84. The maximum moratorium under CGCCD will be _____
a) 6 months b) 1 year
85. Scheme code for opening CGCCD scheme is ____
a) CC535 b) LA535
c) CC525 d) LA525
86. Under CGCCD scheme, promoters of MSME units will be

given loan equal to ____% of his/her equity stake in MSME
unit.
a) 0.1 b) 0.15
c) 0.2 d) 0.25
87. Under CGCCD, The principle amount will be repaid in

maximum in ____ equal instalments after completion of
moretorium.
a) 12 b) 24
c) 36 d) 48
88. Guarantee fees for CGTMSE under CGCCD scheme is

a) 0.005 b) 0.01
c) 0.015 d) 0.02
89. PM SVANidhi scheme involves working capital loan upto

____ to street vendors
a) Rs. 5000/- b) Rs. 10000/-

c) Rs. 15000/- d) Rs. 20000/-
90. Under PM SVANidhi scheme the maximum cashback for

digital transactions are
a) Rs. 500/- b) Rs. 700/-
c) Rs. 1000/- d) Rs. 1200/-
91. PM SVANidhi scheme will be opened under ____ scheme

code
a) OD534 b) LA534
c) OD535 d) LA535
92. The minimum age of the individual for availing PM

SVANidhi scheme is _____.
a) 15 years b) 18 years
93. Under PM SVANidhi scheme, the vendors will be eligible for

_______ on early/timely repayment of the loan.
a) Subsidy of 5% b) 1% interest relief
c) Another loan with enhanced limit d) Certi cate from the GOI
The loan under PM SVANidhi scheme will be given for _____

94.
years
a) 1 year b) 2 years
95. Interest subvention for Mudra- shishu loan is available for

____% per annum.
a) 0.01 b) 0.02
c) 0.03 d) 0.04
96. As per the revised regulatory de nition of MSME, to clasify

a micro enterprise in service sector, ______ should be the
investment in equipments.
a) Rs. 25 lacs b) Rs. 50 lacs
c) Rs. 100 lacs d) Rs. 150 lacs
97. Policy on appointment of “Agencies for Specialized

Monitoring (ASM)” for monitoring of Large Credit
Exposures, is applicable for the borrowers with exposure of
above Rs. --------- crores.
a) 250 b) 500
c) 1000 d) 2000
98. Arrangement of “Agencies for Specialized Monitoring (ASM)”

for monitoring of Large Credit Exposures, is exempted for --
------- rated accounts.
a) AA & AAA b) Only AAA
c) A, AA & AAA d) BBB and better
99. Period of assignment of Credit Monitoring Agency is of ------

------.
a) 1 Year b) 2 Years
Answer Key
1. c 26. a 51. a 76. d
2. c 27. b 52. b 77. a
3. b 28. d 53. d 78. b
4. d 29. a 54. a 79. b
5. a 30. a 55. c 80. c
6. c 31. b 56. d 81. c
7. b 32. d 57. c 82. b
8. b 33. b 58. a 83. c
9. a 34. c 59. b 84. d
10. d 35. c 60. b 85. b
11. d 36. c 61. b 86. b
12. c 37. b 62. d 87. c
13. a 38. a 63. c 88. c
14. c 39. c 64. a 89. b
15. b 40. b 65. c 90. d
16. b 41. a 66. a 91. b
17. c 42. d 67. c 92. b
18. a 43. c 68. d 93. c
19. b 44. b 69. d 94. a
20. a 45. c 70. b 95. b
21. b 46. b 71. c 96. c
22. b 47. b 72. d 97. a
23. a 48. c 73. c 98. b
24. b 49. a 74. a 99. a
25. a 50. c 75. c

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12/18/2020 MSME_LARGE_corporate_2020_BA_BARODA | Print - Quizizz

1. IBA approved simpli ed common Appraisal Format are

2. Who among the following can be a sponsor for DNCC

a) Respective R.H. b) RO Credit In-charge

c) Any one of the above d) None of the above

3. "Lakshya MSME" campaign is valid upto ------

4. In respect of SME Loan Factories, "M" in "CMO" stands for --

5. "CMO" guidelines of SME Loan Factories are applicable for

6. Under CMO concept,the sharing of documents/ information

7. In case of CMO concept of SMELF, frequency of report

8. With reference to "SMA Vasooli Abhiyaan", SPOC at Zonal

a) Zonal Head b) Dy. Zonal Head

9. Validity of scheme of "Pre-approved MSME Loan to Current

10. Which of the following exposures is/ are required to

a) Value Chain Finance b) Sta Loans

c) ODBOD d) None of the above

11. As per our Bank's guidelines, for Project Finance, "MSME

12. As per our Bank's guidelines, performance review report of

13. Processing of credit proposals with exposure of Rs.50

14. Which of the following is an odd-man-out?

c) CRIF Highmark d) Moody's

15. As per EASE norms, nancial ratios of listed entities, are to

16. For overseas operations, cuto grade for unsecured loans

17. For domestic operations, cuto grade for unsecured loans

18. Which of the following are not classi ed for nancial

a) Inventory b) Trade Receivables

19. In case of infrastructure nance, "O" in "BOT" stands for ----

20. Maximum DLP of CC-CGM (Field) is Rs. ---------- crores.

21. Minimum DLP of CC-CGM (Field) is Rs. ---------- crores.

22. What is the revised power of CACB for sanctioning loan to a

a) Rs 500 Crs b) Rs 800 Crs

c) Rs 1000 Crs d) Rs 1500 Crs

24. Which of the following is a types of Loan syndication?

a) Leveraged Deal b) Club deal

c) Consortium arrangement d) Credit arrangers

25. Which cell is responsible for preparation of ICAAP Policy?

a) ERM Cell b) ALM Cell

c) RMD Cell d) EIU Cell

26. Payable nance is a mechanism, through which bank

28. The competent authority for disbursement permission for

a) Zonal Head b) COCC-ED

29. In case of DNCC committee, DLP for group borrowING limit

30. Maximum power of write o of CACB is Rs. --------- crores

c) 100 d) No upper limit

31. What is the maxmium amount of outstanding as on

a) Rs. 25 crores b) Rs. 50 crores

c) Rs. 75 crores d) Rs. 100 crores

32. What is the maximum amount of turnover underexisting

a) Rs.100 crores b) Rs. 150 crores

c) Rs. 200 crores d) Rs. 250 crores

33. What is the maximum loan tenure under PM SVANidhi

a) Aggregate exposure Rs. 25 crore as on b) Aggegrate expsoure Rs. 50 crore as on

c) Aggegrate expsoure Rs. 25 crore as on d) Aggegrate expsoure Rs. 50 crore as on

35. What is moratorium prescribed on principal under BGECL?

36. What is minimum cut o score for acceptable borrower

37. As per the revised de nition of regulatory MSME guidelines

a) Udyog Aadhar Memorandum b) Udyam Registration certi cate

c) EM Part II registration d) Udyam Registration Memorandum

38. As per the revised de nition of regulatory MSME guidelines

a) Written down value b) Original invoice value

c) Straight line value d) Double declining Balance

39. For MSME enterprise obtaining which of the following

40. What is the maximum quantum of nance under pre-

a) Rs. 5 lacs b) Rs. 10.00 lacs