12/17/21, 4:56 PM Credit Monitoring caselets by Baroda Academy Ahmedabad | Print - Quizizz

Credit Monitoring caselets by Baroda Academy

Ahmedabad

30 Questions

NAME :
CLASS :
1. DATE :
M/s. Laxmi oil mills is maintaning CC account with our
Darbhanga Branch. The limit sanctioned is of Rs. 5.00
crores and as on 01.10.2020 account is in credit and as
such no transactions in the account. On 31.12.2020
credit officer debits charges for inspection of securities.
When will this charge have to be paid by the firm to
avoid account turning NPA?
a) 31.12.2020 b) 01.01.2021
c) 31.03.2021 d) 01.04.2021

2. Mahalaxmi tyres was sanctioned OD under PMMY

scheme with limit of Rs. 2.00 lacs and o/s. was Rs. 1.25
lacs as on 30.09.2021. Mr. Suresh, proprietor had some
urgent social and medical emergeny hence closed the
shop and had to go his native. The amount of interest
charged in the account was Rs. 3000 , Rs. 3200 & Rs.
3400 for month of October, November and December.
Thus total o/s. was Rs. 1,34,600 as on 31.12.2021. What
will be the date of NPA?
a) Account will be "out of order" but not b) Date of NPA 01.01.2022
NPA since o/s below limit
c) Date of NPA 31.03.2022 d) Date of NPA 31.12.2021

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3. Rakesh flour mills is enjoying CC facility under food and

agro scheme of Rs. 57 lacs from our Maskati market
branch. The borrower is struggling for business due to
recent COVID stress. The o/s. as on 13.03.2021 was Rs.
57.05 lacs (overdue of Rs. 0.05 lacs). IF no interest is
served further the date of NPA will be______
a) 30.06.2021 b) 12.06.2021
c) 13.06.2021 d) 11.06.2021

4. Bholanath & Co., a partnership firm with two partners

is enjoying CC limit of Rs. 48 lacs with our Mandvi
Branch. There was some dipute between partners and
a result stock statement is not being submitted by firm
since 07th June 2021. The account became overdue
on30.09.2021 (o/s. Rs. 48.15 lacs). The date of NPA will
be___
a) 04.09.2021 b) 29.12.2021
c) 04.12.2021 d) 31.12.2021

5. In above Example how will the account be upgraded?

a) By submission of all stock statements of b) By submission of all stock statement and
previous months payment of overdue amount
c) By delinking the drawing power and d) By submission of stock statements and
stock statement review of accounts

6. Neelam was sanctioned LABOD of Rs. 90000/- against

MIP FDR of Rs. 1.00 lac. The o/s. as on 31.10.2021 was
Rs. 99000/- (overdue of Rs. 9000/- ). Monthly interest
charged in the account is about Rs. 1500/-. What will be
the asset classification of this account?
a) Standard b) SMA 2
c) NPA d) SMA1

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7. Housing loan was sanctioned to sumanben of Rs. 80

lacs on 15.04.2015. The account turned NPA on
25.10.2016. However SARFAESI action was initiated late
and posession of property was taken in 30.11.2018.
What will be the asset classification of the account?
a) Sub-standard b) NPA
c) Doubtful d) Loss

8. Mortgage loan of Rs. 36 lacs was sanctioned to

shashank against accepted realizable value of property
of Rs. 60 lacs on 17.11.2019. However account turned
NPA on18.04.2021. The o/s. was Rs. 35.4 lacs. SARFAESI
was initiated and possession was taken on 12.09.2021.
However during valuation at the time of posession the
realizable value of the property was assessed to be only
16 lacs. What will be the asset classification of this
account?
a) Sub-standard b) NPA
c) Doubtful d) Loss

9. If loans with moratorium period on payment on

interest (permitted at the time of sanction of loan)
becomes NPA then ___
a) It should be reversed from date of b) The capitalized interest corresponding
disbursement to the interest accrued during such
moratorium period need not be
reversed
c) The capitalized interest corresponding d) Only interest accrued post moratorium
to the interest accrued during such period need to be reversed
moratorium period has to be reversed

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10. Non-infrastructure projects will not be treated as

"restructured" provided revised DCCO
a) Within 1 year from original DCCO b) Within 2 years from original DCCO
c) Within 1 year from sanction of loan d) Within 2 years from sanction of loan

11. Our Bavla Branch had sanctioned tractor loan of Rs. 4

lacs with quartely repayment. First installment became
due on 15.01.2019. Account remain ovedue for 2 crop
season (short duration crop) then date of NPA will be
a) 15.01.2019 b) 15.07.2019
c) 15.01.2020 d) 15.01.2021

12. In case of restructured term loan account date of NPA

will be
a) 90 days from date of restructure b) 90 days from date of first overdue
c) Date of restructure d) 90 days from post restructure date
overdue

13. What is the threshold limit for reporting accounts as

RFA/Fraud to CRILC platform?
a) Rs. 3 cr b) Rs. 10 cr
c) Rs. 30 cr d) Rs. 50 cr

14. What is the MENU in CBS which captures all related

data to the top 10 debtors, creditors etc?
a) EWSRPT b) LOTHPD
c) LOHTPD d) EWSDWR

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15. AS per the RBI directive decision on fraud

classification/RFA status shall be taken within ____ days
of completion of internal assessment/invetigation in
cases where findings of forensic audit are inconclusive
a) 3 days b) 7 days
c) 15 days d) 1 month

16. In case where Bank is sole lender the decision to

classify account as RFA or not should be taken within
___ of the EWS alert generated/noticed at EWS portal
a) 7 days b) 15 days
c) 1 month d) 6 months

17. Orginal DCCO, first extension, 2nd extension should be

updated in whch menu in CBS?
a) HCLM b) HBAIM
c) DCCOL d) HDCCO

18. The entire process of declaring account as fraud of

lifting the RFA should be completed within ___ from date
of declaration of account as RFA
a) 6 months b) 1 years
c) 3 months d) 15 months

19. Advance accounts of Rs. ____ and above are brought

under purview of EWS
a) 10 lacs b) 25 lacs
c) 50 lacs d) 1 crores

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20. EWS alerts in all accounts in the high risk category

above ___ needs to be closed at Zonal level
a) 1 crore b) 5 crore
c) 7.5 crore d) 10 crores

21. Which of the following EWS alert is "high" priority?

a) Delay in submission of stock statement b) LC devolvment
c) Non renewal of facilities d) BG invocation (No of instances in last 30
days)

22. Alerts generated in EFRMS offline channel up to ___

sanction amount will be monitored by Regional Office
a) 10 cr b) 20 cr
c) 30 cr d) 5 cr

23. Controlling/Substantial Interest means more than

……….percent of the directors/partners (excluding the
ones nominated by Government of India/Reserve Bank
of India/Financial Institutions/Banks/Debenture
Trustees) in one enterprise are same.
a) 0.2 b) 0.25
c) 0.5 d) 1

24. Which of the following accounts should be reviewed

half yearly?
a) Account above Rs. 5 cr b) Account Rs. 10 crores
c) Account of Rs .10 crore and above and d) Account of Rs. 10 crore and above and
where credit rating is BOB 7 or below where credit rating is BOB 6 or below?

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25. Vijay steel an MSME borrower was enjoying CC and TL

facilities worth Rs. 2 crore and Rs. 25 lacs respectively.
Now with the opening up post COVID the proprietor
wants to increase the capacity and has applied for
sanction of new term loan for purchase of machinery of
Rs. 45 lacs. During the assessment of proposal credit
officer noticed that the account during past year
remained for 62 days in SMA 1and around 31 days in
SMA 2 (At different intervals) due to COVID restrictions
etc. Can the facility be considered assuming all other
parameters are favorable?
a) No since it remained in SMA 1/SMA2 for b) Yes can be considered by same
total period beyond 90 days no fresh sanctionining authority as SMA 2 period
facilities can be sanctioned is less than 60 days
c) No can't be sanctioned since SMA 1 d) Yes can be sanctioned but by next higher
period is beyond 60 days authority

26. MSC engineering company was sanctioned varioud

credit facilities amounting to Rs. 15 crores on
01.06.2020 for a period of 12 months. The company
didn’t submit the financials withing due date of
review.As a result Ashram Road Branch short reviewed
facilities for a period of 3 months on 28.08.2021. The
branch has to complete full date of review on or before
____ to avoid account turning NPA due to technical
reasons.
a) 28.11.2021 b) 31.12.2021
c) 26.05.2022 d) 30.04.2022

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27. Chamunda Gruh udyog was sanctioned various credit

facilities of 3.5 crores in 2015. The account was last
reviewed in April 2021 on Audited financials of FY 19-
20.Now the firm submitted Audited financials of FY 20-
21 in the month of September 2021. The branch should
complete rating and apply new rate of interest by ___
a) 31.03.2022 b) When next review is done
c) 01.10.2021 d) If rating is improved then on 31.03.2022
if it is worsened immediately

28. As per our Banks guidelines Ratig review should be

carried out within ___ from date of previous rating
a) 12 months b) 13 months
c) 15 months d) 18 months

29. PSR authority has to clear proposal from PSR angle

within ____ days
a) 7 days b) 3 days
c) 30 days d) 15 days

30. rakesh flour mill is enjoying CC facility under food and

agro scheme of Rs. 57 lacs from our Maskati market
branch. The borrower is struggling for business due to
recent COVID stress. The o/s. as on 13.03.2021 was Rs.
57.05 lacs (overdue of Rs. 0.05 lacs
a) Only OD account all others will be b) All accounts will be NPA as they are on
standard same customer ID and PAN
c) All accounts except BD under confirmed d) All accounts except LC will turn to NPA
LC will turn to NPA

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Answer Key
1. a 9. b 17. b 25. d
2. d 10. a 18. a 26. c
3. d 11. d 19. c 27. c
4. c 12. c 20. d 28. b
5. b 13. a 21. b 29. c
6. a 14. b 22. c 30. c
7. c 15. b 23. c
8. c 16. c 24. c

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