AAF 18 My

Which of the following is NOT a major change introduced in the revised guidelines on lending against gold and silver collateral?

• Renewal of existing loans is permitted

• Timeline fixed for release of collateral after repayment

• Borrowers can pledge unlimited quantity of gold and silver

• Transparency in auction procedure and empanelment of auctioneer

As per the revised Loan to Value (LTV) guidelines for income-generating loans against gold collateral, what is the applicable LTV for exposure above ₹25 lakh per customer?

• 80% LTV with 20% margin

• 85% LTV with 15% margin

• 75% LTV with 25% margin

• 70% LTV with 30% margin

Under the revised guidelines for loans against gold collateral, which of the following correctly matches the tenure for Income Generating Loans and Consumption Loans under EMI Scheme?

• Income Generating Loan – 36 months; Consumption EMI Loan – 12 months

• Income Generating Loan – 12 months; Consumption EMI Loan – 36 months

• Income Generating Loan – 24 months; Consumption EMI Loan – 24 months

• Income Generating Loan – 12 months; Consumption EMI Loan – 48 months

As per the revised guidelines, what is the maximum permitted age for a borrower under the EMI Scheme for loans against gold collateral?

• 65 years

• 70 years

• 75 years

• 80 years

As per the revised guidelines, what is the maximum loan amount that can be availed against silver collateral by a single borrower?

• ₹2.00 lakh

• ₹5.00 lakh

• ₹50.00 lakh

• ₹75.00 lakh

Which of the following correctly states the processing charges for consumption purpose loans above ₹3.00 lakh?

• Nil processing charges

• 0.25% of sanctioned limit with maximum ₹3,500 + GST

• 0.50% of sanctioned limit with maximum ₹3,500 + GST

• 1% of sanctioned limit without any cap

Under the Agriculture Infrastructure Fund (AIF) scheme, what is the maximum loan amount eligible for credit guarantee coverage along with CG fee reimbursement?

• ₹50 lakh

• ₹1 crore

• ₹2 crore

• ₹5 crore

What is the primary purpose of the Animal Husbandry Infrastructure Development Fund (AHIDF)?

• Financing crop insurance schemes

• Investment in dairy, meat, feed plants, packaging, and waste-to-energy projects

• Providing subsidy for tractor purchase

• Promoting export of food grains only

What is the primary purpose of a Warehouse Receipt in agricultural finance?

• To provide subsidy on fertilizers

• To act as proof of storage of goods in a warehouse

• To issue crop insurance policies

• To provide free transportation of crops

Which of the following is an advantage of financing against Warehouse Receipts?

• Farmers are forced to sell produce immediately

• It helps farmers avoid distress sale and obtain better prices later

• No collateral security is required by banks

• Only exporters can avail such finance