Credit analytics entry test

Automation of Review for Retail Term Loan Accounts upto _______________________

• 5 Crore
• 2 Crore
• 1 Crore
• 50 lakhs
• 10 lakhs

In Baroda Personal Loan, a concession of ______ % in ROI may be allowed to all borrowers if loan is covered under GCLI policy

• 0.0025
• 0.005
• 0.01
• 0.001

The minimum stipulated BRE Score of the applicant below which the application will be rejected.

• 40
• 30
• 60
• 50

Branches need not insist on production of land records or similar documentary proofs for Gold loans upto what amount for Agri Allied activities like dairy, fishery, piggery, bee keeping etc ?

• Rs 1 lakhs
• Rs 2 lakhs
• Rs 5 lakhs
• Rs 10 lakhs

For A MSME borrower, who has applied a Cash Credit limit of Rs.6.00 Crore Which assessment method of Lending should be used?

• MPBF-II or 25 % Turn Over method whichever is higher
• MPBF-I or 20 % Turn Over method whichever is higher
• Only MPBF-II method
• Cash budget or Turn over method whichever is higher

Net Working Capital means

• The aggregate of cash, Book Debts & Inventory
• Current Assets minus outside borrowings
• Current Assets minus Current Liabilities other than Bank borrowings
• Current Assets minus Current Liabilities including Bank borrowings

Excise duty must be

• Netted while calculating Net Sales
• Reflected as expenses in P&L Statement
• Added back to net sales
• Deducted from operating profit

Total current assets is also known as

• Promoter’s margin
• Net Working capital
• Gross working capital
• Working capital gap

A small Enterprise is one whose investment in plant and machinery does not exceeds

• 25 lacs
• 5 cr
• 10 cr
• 50 cr

Cash profit means

• Gross Profit + depreciation
• Net Profit + depreciation
• Net Profit – depreciation
• Gross profit – depreciation