Font size
S
M
L
XL
WorksheetsBA Ahmedabad MSME and corporate banking
Total questions: 96
Worksheet time: 48mins
Name
Class
Date
1.
IBA approved simplified common Appraisal Format are applicable upto loans of Rs. --------- crores, to MSMEs
a)
0.1
b)
1
c)
5
d)
10
2.
Who among the following can be a sponsor for DNCC committee?
a)
Respective R.H.
b)
RO Credit In-charge
c)
Any one of the above
d)
None of the above
3.
In respect of SME Loan Factories, "M" in "CMO" stands for ---------
a)
Measured
b)
Monitoring
c)
Management
d)
Mid
4.
"CMO" guidelines of SME Loan Factories are applicable for limits of Rs. --------- and above.
a)
1.00 crore
b)
2.00 crores
c)
5.00 crores
d)
10.00 crores
5.
Under CMO concept,the sharing of documents/ information flow is proposed to be via ---------
a)
Finacle
b)
CREMON
c)
SharePoint
d)
MS-TEAMS
6.
In case of CMO concept of SMELF, frequency of report generation of fresh and review with enhancement sanctions is ------------ basis.
a)
Daily
b)
Weekly
c)
Fortnightly
d)
Monthly
7.
Which of the following exposures is/ are required to undergo Credit Risk Evaluation process?
a)
Value Chain Finance
b)
Staff Loans
c)
ODBOD
d)
None of the above
8.
As per our Bank's guidelines, for Project Finance, "MSME exposure" is ascertained, for project costs does not exceed Rs. ------------ crores
a)
5
b)
10
c)
20
d)
50
9.
As per our Bank's guidelines, performance review report of all approved products, is to be submitted to CPC after ------------ month/s of rollout.
a)
1
b)
3
c)
6
d)
12
10.
Processing of credit proposals with exposure of Rs.50 crores and above is to be done by the officers having minimum experience of ------ years in credit function.
a)
3
b)
5
c)
10
d)
15
11.
Which of the following is an odd-man-out?
a)
Fitch
b)
S&P
c)
CRIF Highmark
d)
Moody's
12.
As per EASE norms, financial ratios of listed entities, are to be monitored on ----------- basis
a)
Monthly
b)
Quarterly
c)
half yearly
d)
Annual
13.
For overseas operations, cutoff grade for unsecured loans is --------
a)
BOB-6
b)
BOB-5
c)
BOB-4
d)
BOB-3
14.
For domestic operations, cutoff grade for unsecured loans is --------
a)
BOB-6
b)
BOB-5
c)
BOB-4
d)
BOB-3
15.
Which of the following are not classified for financial instrument?
a)
Inventory
b)
Trade Receivables
c)
Trade Payables
d)
Preference Share
16.
In case of infrastructure finance, "O" in "BOT" stands for -------
a)
Origin
b)
Operate
c)
Over
d)
On
17.
Maximum DLP of CC-CGM (Field) is Rs. ---------- crores.
a)
75
b)
50
c)
100
d)
200
18.
Minimum DLP of CC-CGM (Field) is Rs. ---------- crores.
a)
75
b)
50
c)
100
d)
200
19.
What is the revised power of CACB for sanctioning loan to a single borrower/ group expoaure?
a)
Rs 500 Crs
b)
Rs 800 Crs
c)
Rs 1000 Crs
d)
Rs 1500 Crs
20.
What are the revised inspection charges for accounts with limit above Rs 10 Crs?
a)
Rs 10000 + GST per location with a cap of Rs 200000 + GST per annum for all locations put together
b)
Rs 25000 + GST per location with a cap of Rs 200000 + GST per annum for all locations put together
c)
Rs 10000 + GST per location with a cap of Rs 250000 + GST per annum for all locations put together
d)
Rs 25000 + GST per location with a cap of Rs 250000 + GST per annum for all locations put together
21.
Which of the following is a types of Loan syndication?
a)
Leveraged Deal
b)
Club deal
c)
Consortium arrangement
d)
Credit arrangers
22.
Which cell is responsible for preparation of ICAAP Policy?
a)
ERM Cell
b)
ALM Cell
c)
RMD Cell
d)
EIU Cell
23.
Payable finance is a mechanism, through which bank provides overdraft limits to ----------
a)
Anchor
b)
vendors
c)
suppliers
d)
spokes
24.
Which is the best external rating, for long term credit facilities?
a)
A
b)
AAA
c)
AA
d)
BBB
25.
The competent authority for disbursement permission for exposure of Rs. 5.00 crores, pending security perfection, for BOB-6 account is ------------
a)
Zonal Head
b)
COCC-ED
c)
COCC-GM
d)
MCB
26.
In case of DNCC committee, DLP for group borrowING limit is Rs. --------- crores
a)
40
b)
60
c)
100
d)
200
27.
Maximum power of write off of CACB is Rs. --------- crores
a)
50
b)
25
c)
100
d)
No upper limit
28.
What is the maxmium amount of outstanding as on 29.02.2020 covered under BOB Guaranteed Emergency credit line scheme (BGECLS) ?
a)
Rs. 25 crores
b)
Rs. 50 crores
c)
Rs. 75 crores
d)
Rs. 100 crores
29.
What is the maximum amount of turnover underexisting MSMEs as per revised definition eligible for BOB guaratnee emergency credit line (BGECLS) ?
a)
Rs.100 crores
b)
Rs. 150 crores
c)
Rs. 200 crores
d)
Rs. 250 crores
30.
What is the maximum loan tenure under PM SVANidhi scheme?
a)
6 months
b)
12 months
c)
36 months
d)
60 months
31.
What is the criteria for eligibilty of MSMEs under one time restructuring scheme?
a)
Aggregate exposure Rs. 25 crore as on 01.01.2020
b)
Aggegrate expsoure Rs. 50 crore as on 01.01.2020
c)
Aggegrate expsoure Rs. 25 crore as on 01.03.2020
d)
Aggegrate expsoure Rs. 50 crore as on 01.03.2020
32.
What is moratorium prescribed on principal under BGECL?
a)
No moratorium
b)
6 months
c)
1 year
d)
2 years
33.
What is minimum cut off score for acceptable borrower above Rs. 10.00 lacs under PMEGP scoring model?
a)
40/100
b)
50/100
c)
60/100
d)
70/100
34.
As per the revised definition of regulatory MSME guidelines , enterprises are required to submit which of the following certificates?
a)
Udyog Aadhar Memorandum
b)
Udyam Registration certificate
c)
EM Part II registration
d)
Udyam Registration Memorandum
35.
As per the revised definition of regulatory MSME guidelines , which value of plant & machinery or equipment to be considered for classification purpose?
a)
Written down value
b)
Original invoice value
c)
Straight line value
d)
Double declining Balance
36.
For MSME enterprise obtaining which of the following documents is mandatory from 01.04.2021?
a)
PAN
b)
GST
c)
(a) & (b) both the above
d)
any one of the above
37.
What is the maximum quantum of finance under pre-approved MSME loans to current account holders based on cash flow based lending model?
a)
Rs. 5 lacs
b)
Rs. 10.00 lacs
c)
Rs. 50.00 lacs
d)
Rs. 100.00 lacs
38.
What is the minimum amount of finance under pre-approved MSME loans to current account holders based on cash flow based lending model?
a)
Rs. 0.50 lacs
b)
Rs. 0.75 lacs
c)
Rs. 1 lac
d)
Rs. 5 lacs
39.
What is the maximum repayment under pre-approved MSME loans to current account holders?
a)
12 months
b)
18 monhts
c)
24 months
d)
36 months
40.
As per revised guidelines of BGECLS, what is the maximum amount of overdues that can be allowed for the borrower?
a)
0.25 % of loan amount
b)
0.50 % of loan amount
c)
1.00 % of loan amount
d)
1.50 % of loan amount
41.
As per the revised guidelines of BGECLS, decision of stipulation of 2nd charge has been waived in respect of loans up what o/s amount?
a)
Rs.10 lacs
b)
Rs. 25 lacs
c)
Rs. 50 lacs
d)
Rs. 100.00 lacs
42.
As per the latest guidelines fresh exposure should not be taken in MSMEs below with _______ rating
a)
CMR 5
b)
CMR 6
c)
CMR 7
d)
CMR 8
43.
What should be done in case guarantee has been secured for aggregate facilities including BGECLS?
a)
Cancel the entire guarantee
b)
relinquish the guarantee for BGECLS
c)
relinquish the guarantee for exisiting facilities
d)
continue till the next review
44.
In view of COVID pandemic, SME grading has been withdrawn till ________
a)
31.12.2020
b)
31.03.2021
c)
30.09.2021
d)
till date of next review
45.
What will be the commitment charges levied on customers enjoying working capital limits of above Rs. 1.00 crore and submitting QIS statement?
a)
0.5 % of balance un utilized portion to total limits
b)
0.6 % of balance un utilized portion to total limits
c)
0.5 % of balance un utilized portion below 60 % of declared utilization in QIS
d)
0.6 % of balance un utilized portion below 60 % of declared utilization in QIS
46.
What will be the commitment charges levied on customers enjoying working capital limits of above Rs. 1.00 crore and not submitting QIS statement?
a)
0.5 % of balance un utilized portion to total limits
b)
0.6 % of balance un utilized portion to total limits
c)
0.5 % of balance un utilized portion below 60 % of utilization in QIS
d)
0.6 % of balance un utilized portion below 60 % of utilization in QIS
47.
As per revised inspection charges maximum per location charges in case of MSME borrowers is ____+GST
a)
Rs. 5000
b)
Rs. 7500
c)
Rs. 10000
d)
Rs. 25000
48.
What is the maximum coverage under CGTMSE scheme for retail trade?
a)
Rs. 100 lacs
b)
Rs. 200 lacs
c)
Rs. 150 lacs
d)
Rs. 250 lacs
49.
In case of hybrid security coverage, CGTMSE will have ______ charge on collateral securities
a)
First
b)
Second
c)
Pari-Passu
d)
Exclusive
50.
What is the applicable AGF fees for borrowers engaged in retail trade , covered under CGTMSE?
a)
1.00 % +risk premium
b)
1.5 % +risk premium
c)
1.75% +risk premium
d)
2.00 % +risk premium
51.
What is the applicable AGF fees for women, micro enterprise & unit in North east with limit upto Rs. 5 lacs , covered under CGTMSE?
a)
1.00 % +risk premium
b)
1.35 % +risk premium
c)
1.5% +risk premium
d)
1.8 % +risk premium
52.
What is the applicable AGF fees for "other category of borrower" with limit above Rs. 5 lacs upto Rs. 50 lacs , covered under CGTMSE?
a)
1.00 % +risk premium
b)
1.35 % +risk premium
c)
1.5% +risk premium
d)
1.8 % +risk premium
53.
What is the applicable AGF fees for borrower with limits above Rs. 50 lacs and up to Rs. 200 lacs , covered under CGTMSE?
a)
1.00 % +risk premium
b)
1.35 % +risk premium
c)
1.5% +risk premium
d)
1.8 % +risk premium
54.
What is the revival risk premium to be paid in case the account is closed due to non payment of AGF?
a)
0.05
b)
0.1
c)
0.15
d)
0.2
55.
What is the maximum extent of guarantee coverage for micro enterprise with limits upto RS. 5.00 lacs under CGTMSE?
a)
85 % subject to maximum of Rs. 4.25 lacs
b)
75 % subject to maximum of Rs. 3.75 lacs
c)
75 % of total limit
d)
85 % of total limit
56.
What is the maximum extent of guarantee coverage for women entrepreneurs with limits upto RS. 50.00 lacs under CGTMSE?
a)
85 % subject to maximum of Rs. 34 lacs
b)
80 % subject to maximum of Rs. 40 lacs
c)
80 % of total limit
d)
85 % of total limit
57.
Claim settlement under CGTMSE will be completed in how many tranches?
a)
1
b)
2
c)
3
d)
4
58.
What is the margin clause for taking industrial property as a security in case of Baroda Pride Scheme ?
a)
40% on realizable value of industial propertry
b)
50% on realizable value of industial propertry
c)
60% on realizable value of industial propertry
d)
Industrial Property can not be taken as security
59.
In Baroda Pride Scheme, if industrial property is taken as security it should be in the name of _______.
a)
MSME Unit only
b)
Promoter only
c)
Director only
d)
Any of the above<br />
60.
In Baroda Pride scheme, while considering industrial property as security if CMR rating is coming in between 6 to 10, the deviation is to be taken from
a)
ZOCC-CGM
b)
COCC-CGM
c)
COCC-ED
d)
MD & CEO
61.
As per RBI guideline, for considering an MSME unit under one time restructuring, what should be the maximum aggregate exposure limit as on January 1,2020?
a)
25 Crs
b)
50 Crs
c)
100 Crs
d)
200 Crs
62.
As per RBI guideline, during this Financial year the one time restructing of MSME unit is to be completed by?
a)
30.09.2.2020
b)
30.09.2020
c)
31.12.2020
d)
31.03.2021
63.
What is the additional provisioning a bank has to made in case of one time restructuring of MSME unit?
a)
0.05
b)
0.075
c)
0.1
d)
0.15
64.
What is the maximum loan amount that can be sanction under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
10% of total O/s up to Rs 25 Crs
b)
15% of total O/s up to Rs 25 Crs
c)
20% of total O/s up to Rs 25 Crs
d)
25% of total O/s up to Rs 25 Crs
65.
What is the last date for sanctioning a facility under Baroda Guaranteed emergency credit line scheme (BGECLS) 2.0?
a)
Upto 31.10.2020
b)
Upto 30.11.2020
c)
Upto 31.12.20202
d)
Upto 31.03.2021
66.
What is the turnover crieteria for considering a facility under Baroda Guaranteed emergency credit line scheme (BGECLS) 2.0?
a)
Annual Turnover up to Rs 250 Crore
b)
Annual Turnover up to Rs 500 Crore
c)
Annual Turnover up to Rs 1000 Crore
d)
No such limit
67.
Which facility is to be sanctioned under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
Working Capital Demand loan
b)
Additional Working Capital Term Loan
c)
Working Capital Term Loan
d)
Additional Funded Interest Term Loan
68.
What is the maximum repayment given under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
24 months from the date of disbursement including moratorium of 06 months
b)
36 months from the date of disbursement including moratorium of 12 months
c)
48 months from the date of disbursement including moratorium of 12 months
d)
36 months from the date of disbursement including moratorium of 06 months
69.
How much margin a borrower has to maintain under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
0.05
b)
0.1
c)
0.15
d)
NIL
70.
What security a borrower has to be provided to avail Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
100% collateral security
b)
50% collateral security
c)
extension of primary & collateral security
d)
No security is required
71.
What is prepayment penalty in case of Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
NIL
b)
2% of outstanding
c)
4% of outstanding
d)
5% of outstanding
72.
What is the processing fee to be charged by our bank for sanction of loan under Baroda Guaranteed emergency credit line scheme (BGECLS) ?
a)
0.25% subject to maximum Rs 5000/-
b)
0.10% with no maximum limit
c)
No processing charge applicable
d)
Rs 20,000/- for each application
73.
Which of the following account will not be eligible under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
Account classified as regular as on 29.02.2020
b)
Account classified as SMA-0 as on 29.02.2020
c)
Account classified as SMA-1 as on 29.02.2020
d)
Account classified as SMA-2 as on 29.02.2020
74.
Who is nodal agency providing 100% guarantee cover to the additional working capital term loan (AWCTL) under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
National Credit Guarantee Trustee Company Ltd (NCGTC)
b)
Credit Guarantee Fund Trust for Micro & Small Enterprise
c)
Reserve Bank of India
d)
Insurance Regulatory and Development Authority (IRDA)
75.
What is the cut-off date to make an account eligible under Baroda Guaranteed emergency credit line scheme (BGECLS)?
a)
29.01.2020
b)
29.02.2020
c)
29.03.2020
d)
31.03.2020
76.
The interest equalisation scheme on Pre and Post shipment Rupee Export credit to MSME sector is available to newly classified MSME’s from
a)
1st June, 2020
b)
1st July, 2020
c)
1st Aug, 2020
d)
1st Sep, 2020
77.
CGSSD scheme is applicable on MSME who were standard before (112/436)
a)
31st March, 2020
b)
31st March, 2019
c)
31st March, 2018
d)
31st March, 2017
78.
CGSSD will be given in a/an _________ form.
a)
Overdraft
b)
Cash credit
c)
Personal loan
d)
Home Loan
79.
The maximum loan amount under CGCCD is ____
a)
Rs. 50 lakh
b)
Rs. 75 lakh
c)
Rs. 100 lakh
d)
Rs. 125 lakh
80.
The maximum loan tenure under CGCCD will be ____
a)
5 years
b)
7 years
c)
10 years
d)
3 years
81.
The maximum moratorium under CGCCD will be _____
a)
6 months
b)
1 year
c)
5 years
d)
7 years
82.
Scheme code for opening CGCCD scheme is ____
a)
CC535
b)
LA535
c)
CC525
d)
LA525
83.
Under CGCCD scheme, promoters of MSME units will be given loan equal to ____% of his/her equity stake in MSME unit.
a)
0.1
b)
0.15
c)
0.2
d)
0.25
84.
Under CGCCD, The principle amount will be repaid in maximum in ____ equal instalments after completion of moretorium.
a)
12
b)
24
c)
36
d)
48
85.
Guarantee fees for CGTMSE under CGCCD scheme is
a)
0.005
b)
0.01
c)
0.015
d)
0.02
86.
PM SVANidhi scheme involves working capital loan upto ____ to street vendors
a)
Rs. 5000/-
b)
Rs. 10000/-
c)
Rs. 15000/-
d)
Rs. 20000/-
87.
Under PM SVANidhi scheme the maximum cashback for digital transactions are
a)
Rs. 500/-
b)
Rs. 700/-
c)
Rs. 1000/-
d)
Rs. 1200/-
88.
PM SVANidhi scheme will be opened under ____ scheme code
a)
OD534
b)
LA534
c)
OD535
d)
LA535
89.
The minimum age of the individual for availing PM SVANidhi scheme is _____.
a)
15 years
b)
18 years
c)
21 years
d)
24 years
90.
Under PM SVANidhi scheme, the vendors will be eligible for _______ on early/timely repayment of the loan.
a)
Subsidy of 5%
b)
1% interest relief
c)
Another loan with enhanced limit
d)
Certificate from the GOI
91.
The loan under PM SVANidhi scheme will be given for _____ years
a)
1 year
b)
2 years
c)
3 years
d)
4 years
92.
Interest subvention for Mudra- shishu loan is available for ____% per annum.
a)
0.01
b)
0.02
c)
0.03
d)
0.04
93.
As per the revised regulatory definition of MSME, to clasify a micro enterprise in service sector, ______ should be the investment in equipments.
a)
Rs. 25 lacs
b)
Rs. 50 lacs
c)
Rs. 100 lacs
d)
Rs. 150 lacs
94.
Policy on appointment of “Agencies for Specialized Monitoring (ASM)” for monitoring of Large Credit Exposures, is applicable for the borrowers with exposure of above Rs. --------- crores.
a)
250
b)
500
c)
1000
d)
2000
95.
Arrangement of “Agencies for Specialized Monitoring (ASM)” for monitoring of Large Credit Exposures, is exempted for --------- rated accounts.
a)
AA & AAA
b)
Only AAA
c)
A, AA & AAA
d)
BBB and better
96.
Period of assignment of Credit Monitoring Agency is of ------------.
a)
1 Year
b)
2 Years
c)
3 years
d)
5 years
Reset
