Credit Policy Quiz

The NBC guidelines, in our Bank, for the present are applicable in respect of loans for construction of building exceeding ________.

• 10 cr

• 20 cr

• 25 cr

• 50 cr

The National Disaster Management Authority (NDMA), guidelines are applicable for all types of Housing Loans and finance to Builders of

• 1 cr & above

• 2 cr & above

• 3 cr & above

• 4 cr & above

The aggregate exposure of the Bank to the capital markets in all forms (both fund based and non-fund based) should not exceed _____ of the net worth, as on March 31 of the previous year.

• 10 %

• 25 %

• 30 %

• 40 %

Which component is included in Bank’s capital market exposure?

• Preference Shares.

• Non-convertible debentures and non-convertible bonds.

• Units of Mutual Funds under schemes where the corpus is invested exclusively in debt instruments

• Financing to stockbrokers for margin trading

A uniform margin of ____ to be applied on all all advances / financing for subscribing to IPO / issue of guarantees for Capital Market operations/ Advances against units of mutual funds (except units of exclusively debt oriented mutual funds)/finance to market makers.

• 50 %

• 40 %

• 30 %

• 25 %

In case of shares/debentures held in demat form, a minimum margin of _____ shall be Maintained for advance against shares/debentures.

• 50 %

• 40 %

• 30 %

• 25 %

Loans to Mutual funds by the banks granted to meet the temporary liquidity needs for the purpose of repurchase / redemption of units within the ceiling of ____ of the net asset of the scheme and for a period not exceeding _____.

• 50% , 12 months

• 40%, 6 months

• 33.33%, 12 months

• 20%, 6 months

The financial assets in the factoring business of NBFC–Factors should constitute at least ______ of its total assets and its income derived from factoring business should not be less than _____ of its gross income.

• 75%, 75%

• 50%, 50%

• 75%, 50%

• 50%, 75%

Mortgage Guarantee Companies (MGC) are financial institutions for which at least _____ of the business turnover is mortgage guarantee business or at least _____ of the gross income is from mortgage guarantee business and net owned fund is _____.

• 90%,90%, Rs 100 Crore

• 85%, 85%, Rs 200 Crore

• 80%, 80%, Rs 200 Crore

• 75%, 75%, Rs 150 Crore

Bank finance for production of feature films should not exceed ____ of the project cost and the remaining portion of the funds should be sourced as ____ margin from promoters and ____ as advance from distributors.

• 25%, 35%, 40%

• 40%, 25%,35%

• 35%, 25%, 40%

• 40%,35%, 25%