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WorksheetsPPB Module B Unit 15
Total questions: 28
Worksheet time: 21mins
Name
Class
Date
1.
What is the target for priority sector lending by 1985?
a)
0.2
b)
0.3
c)
0.4
d)
0.5
e)
0.6
2.
Which type of banks are exempted from regional disparities adjustments in PSL Achievement?
a)
Commercial Banks
b)
Rural Banks
c)
Urban Banks
d)
Foreign Banks
e)
Local Area Banks
3.
What is the applicable target for lending to non-corporate farmers for FY 2021-22?
a)
0.105
b)
0.1125
c)
0.1273
d)
0.135
e)
0.142
4.
What is the consequence for banks with a shortfall in lending to the priority sector?
a)
Higher interest rates
b)
Allocation to RIDF
c)
Penalty charges
d)
Lower interest rates
e)
Mandatory audit
5.
What is the maximum loan amount up to which no service charges should be levied on priority sector loans?
a)
Rs. 10,000
b)
Rs. 15,000
c)
Rs. 20,000
d)
Rs. 25,000
e)
Rs. 30,000
6.
What are the two permitted modes for priority sector lending through NBFCs?
a)
Credit to NBFCs
b)
Co-origination of loans
c)
Joint contribution
d)
Investments in assets
e)
Securitization
7.
What is the purpose of the Rural Infrastructure Development Fund (RIDF)?
a)
To support agriculture
b)
To promote exports
c)
To fund infrastructure
d)
To aid small businesses
e)
To improve urban areas
8.
What type of banks are required to achieve priority sector lending targets?
a)
All banks
b)
Only commercial banks
c)
Regional Rural Banks
d)
Foreign Banks
e)
Salary Earners’ Banks
9.
What is the primary determinant for regional disparities adjustments in priority sector credit flow?
a)
District population
b)
Per capita income
c)
Total bank branches
d)
Agricultural output
e)
Credit score
10.
Which regulatory body sets the rate of interest on various priority sector loans?
a)
RBI
b)
NABARD
c)
SIDBI
d)
MUDRA Ltd.
e)
Indian Government
11.
What is the significance of ANBC in priority sector lending targets?
a)
Average Non-Corporate Borrowers
b)
Agricultural Net Banking Credit
c)
Annual Net Banking Criteria
d)
Aggregate Net Bank Credit
e)
None of the above
12.
Which sector does priority sector lending mainly focus on?
a)
Corporate sector
b)
Industrial sector
c)
Agricultural sector
d)
Export sector
e)
Housing sector
13.
What is the purpose of the Priority Sector Lending Certificates?
a)
To reduce lending targets
b)
To certify priority sector loans
c)
To facilitate interbank lending
d)
To reward banks
e)
To regulate interest rates
14.
What is the consequence for UCBs regarding contributing to RIDF?
a)
No contribution required
b)
Lower interest rates
c)
Higher interest rates
d)
Penalty charges
e)
Mandatory audit
15.
Which category of farmers has a revised target in a phased manner?
a)
Small & Marginal farmers
b)
Large-scale farmers
c)
Commercial farmers
d)
Non-corporate farmers
e)
All farmers
16.
What does PSL stand for in the context of banking?
a)
Priority Sector Lending
b)
Public Sector Loan
c)
Private Sector Liability
d)
Primary Sector Lender
e)
Priority Service Line
17.
Which two types of export credit are included in the respective categories?
a)
Pre-shipment and post-shipment credit
b)
Agricultural and industrial credit
c)
Domestic and international credit
d)
Short-term and long-term credit
e)
Micro and macro credit
18.
What is the main purpose of co-origination of loans between banks and NBFCs?
a)
To reduce risk
b)
To increase interest rates
c)
To improve credit access
d)
To decrease credit availability
e)
To bypass regulations
19.
What is the maximum amount up to which no service charges should be levied on priority sector loans for SHGs/JLGs members?
a)
Rs. 5,000
b)
Rs. 10,000
c)
Rs. 15,000
d)
Rs. 20,000
e)
Rs. 25,000
20.
Which banks are required to achieve priority sector lending targets according to the text?
a)
Commercial banks only
b)
All banks except UCBs
c)
Foreign banks only
d)
All banks
e)
Cooperative banks only
21.
What is the purpose of the Priority Sector Lending (PSL) Achievement adjustments?
a)
To reward banks
b)
To address regional disparities
c)
To reduce lending targets
d)
To increase interest rates
e)
To exempt banks
22.
Which type of credit is considered as Export Credit under priority sector lending?
a)
Housing credit
b)
Agricultural credit
c)
Pre-shipment and post-shipment credit
d)
Personal loans
e)
Industrial credit
23.
What is the consequence for banks with a shortfall in lending to the priority sector according to the text?
a)
Higher interest rates
b)
Allocation to Rural Infrastructure Development Fund (RIDF)
c)
Penalty charges
d)
Lower interest rates
e)
Mandatory audit
24.
Which regulatory body determines the rate of interest on various priority sector loans?
a)
NABARD
b)
MUDRA Ltd.
c)
SIDBI
d)
RBI
e)
Indian Government
25.
What is the main purpose of the Rural Infrastructure Development Fund (RIDF)?
a)
To support agriculture
b)
To promote exports
c)
To fund infrastructure
d)
To aid small businesses
e)
To improve urban areas
26.
Which two modes are permitted for priority sector lending through NBFCs?
a)
Credit to NBFCs and Co-origination of loans
b)
Securitization and investments in assets
c)
Inter Bank Participation Certificates (IBPCs) and Priority Sector Lending Certificates
d)
Transfer of Assets through Direct Assignment and Investments in assets
e)
Credit to NBFCs and Inter Bank Participation Certificates (IBPCs)
27.
What is the maximum loan amount up to which no service charges should be levied on priority sector loans for SHGs/JLGs members?
a)
Rs. 5,000
b)
Rs. 10,000
c)
Rs. 15,000
d)
Rs. 20,000
e)
Rs. 25,000
28.
Which two types of banks are required to achieve priority sector lending targets according to the text?
a)
Commercial banks and Urban Cooperative Banks
b)
Regional Rural Banks and Salary Earners’ Banks
c)
Small Finance Banks and Local Area Banks
d)
All domestic banks and Foreign banks
e)
Urban Cooperative Banks and Primary (Urban) Co-operative Banks
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