CREDIT POLICY

What is the penal interest for delayed creation of EMT/II charge?

• 0.25%

• 0.50%

• 1.00%

• 1.50%

• 2.00%

Where party is enjoying both FB & NFB limits, penalty for delayed/non submission of QOS/HOS shall be ____ on FB liability and _____ on the NFB liability.

• 0.50%, 0.25%

• 1.00%, 0.25%

• 1.00%, 0.50%

• 2.00%, 1.00%

• 2.00%, 1.50%

In case of MSME accounts, the accounts rated externally “_____” or better shall only to taken over. (Wherever external rating is applicable)

• AA

• A

• BBB

• BB

• B

In case of other than MSME accounts, the accounts rated externally as “_____” or better shall only to taken over. (Wherever external rating is applicable).

• AA

• A

• BBB

• BB

• B

In case of externally unrated borrowers with exposure above Rs 25 Crores up to Rs 100 Crores, additional interest of ____ shall be charged over and above the applicable rate of interest.

• 0.25%

• 0.50%

• 0.75%

• 1.00%

• 2.00%

In case of externally unrated borrowers with exposure above Rs 100 Crores, additional interest of ____ shall be charged over and above the applicable rate of interest.

• 0.25%

• 0.50%

• 0.75%

• 1.00%

• 2.00%

Non individual borrowers enjoying aggregate exposure of Rs. 5 Crores and above upto Rs 10 Crores from Banks and Financial Institutions should submit Legal Entity Identifier (LEI) Code, on or before___________.

• 30/04/2023

• 30/04/2024

• 30/04/2025

• 31/03/2025

• 30/09/2024

In case of secured education loan above ______ Credit Information Report from two Credit Information Companies should be drawn.

• Rs 4 lakhs

• Rs 4.5 lakhs

• Rs 7.5 lakhs

• Rs 10 lakhs

• Rs 20 lakhs

If a score of -1 is displayed in the TransUnion CIBIL report, it shall be interpreted as the individual has no credit history available in the last ____ .

• 6 months

• 12 months

• 24 months

• 36 months

• 48 months

Integrated housing projects comprising of some commercial space can also be classified under CRE-RH, provided that the commercial area in the residential housing project does not exceed _____ of the total Floor Space Index (FSI) of the project.

• 10%

• 12%

• 20%

• 25%

• 30%