NEW
Font size
S
M
L
XL
WorksheetsTHE BANKING UPDATES QUIZ 4/23-24 PSL GUIDELINES
Total questions: 25
Worksheet time: 8mins
Name
Class
Date
1.
1. What is the Priority Sector lending targets for Foreign banks with less than 20 branches?
a)
40 per cent of ANBC or CEOBE whichever is higher
b)
32 per cent of ANBC or CEOBE whichever is higher
c)
Out of the PSL target, up to 32% can be in the form of lending to Exports
d)
A & C
2.
2. Within the Priority Sector lending target, what is the sub target for small and marginal farmers for FY 2023-24 in percentage of ANBC or CBOE whichever is higher for domestic Banks?
a)
9 percent
b)
9.50 percent
c)
10 percent
d)
8 percent
3.
3. Within the Priority Sector lending target, what is the sub target for Weaker Sections for FY 2023-24 in percentage of ANBC or CBOE whichever is higher for domestic Banks?
a)
10 percent
b)
12 percent
c)
11.50 percent
d)
11 percent
4.
4. Which of the following forms a part of ANBC for computation of Priority Sector Lending target and achievement (Other than UCBs)?
a)
Bills Rediscounted with RBI and other approved Financial Institutions
b)
Bonds/debentures in Non-SLR categories under HTM category
c)
Advances extended in India against the incremental FCNR (B)/NRE deposits, qualifying for exemption from CRR/SLR requirements
d)
Investments made by public sector banks in the Recapitalization Bonds floated by Government of India
5.
5.Loans against pledge/hypothecation of agricultural produce (including warehouse receipts) for a period not exceeding 12 months subject to a limit up to ₹….........against Warehouse receipts other than Negotiable Warehouse Receipts may be classified under Farm Credit.
a)
₹50 lakhs
b)
₹75 lakhs
c)
₹40 lakhs
d)
₹60 lakhs
6.
6. Loans up to ₹______ to co-operative societies of farmers for purchase of the produce of members can be classified as Ancillary Agriculture activity under Priority Sector?
a)
Rs.1.00 cr
b)
Rs.50.00 Lakhs
c)
Rs.2.00 crs
d)
Rs.5.00 crs
7.
7.For the purpose of computation of achievement of the sub-target, Small and Marginal Farmers will include the following except_______
a)
Farmers with landholding of up to 1 hectare (Marginal Farmers) and Farmers with a landholding of more than 1 hectare and up to 2 hectares (Small Farmers).
b)
Landless agricultural labourers, tenant farmers, oral lessees and share-croppers whose share of landholding is within the limits prescribed for SMFs.
c)
Loans to SHGs or JLGs of individual SMFs directly engaged in Agriculture and Allied Activities
d)
None of these are exceptions
8.
8. Credit outstanding under General Credit Cards (including Artisan Credit Card, Laghu Udyami Card, Swarojgar Credit Card and Weaver’s Card etc. in existence and catering to the non-farm entrepreneurial credit needs of individuals), shall be classified under _____________ as per PSL guidelines
a)
Other Priority Sector Lending
b)
Micro Credit
c)
Other Finance to MSMEs
d)
All of these
9.
9. What is the target for export credit for foreign Banks with 20 or more Branches in India under Priority Sector Lending?
a)
Incremental export credit over corresponding date of the preceding year, up to 2 per cent of ANBC or CEOBE whichever is higher, subject to a sanctioned limit of up to ₹ 40 crore per borrower.
b)
Incremental export credit over corresponding date of the preceding year, up to 2 percent of ANBC or CEOBE whichever is higher.
c)
Export credit up to 32 per cent of ANBC or CEOBE whichever is higher.
d)
Incremental export credit over corresponding date of the preceding year, up to 2 per cent of ANBC or CEOBE whichever is higher, subject to a sanctioned limit of up to ₹ 32 crore per borrower.
10.
10.Loans to individuals for educational purposes, including vocational courses, not exceeding ₹ ________ will be considered as eligible for priority sector classification. Loans currently classified as priority sector.
a)
Rs.20.00 Lakh
b)
Rs.10.00 Lakh
c)
Rs.10 Lakh for studies in India and Rs.20 Lakh for studies abroad
d)
Rs.50.00 Lakh
11.
11.Bank loans for affordable housing projects using at least _______% of FAR/FSI for dwelling units with carpet area of not more than 60 sq.m shall be classified under Priority Sector Lending?
a)
20
b)
10
c)
30
d)
50
12.
12.Bank loans to HFCs (approved by NHB for their refinance) for on-lending, up to ₹_________ for individual borrowers, for purchase/construction/ reconstruction of individual dwelling units or for slum clearance and rehabilitation of slum dwellers shall be classified under Priority Sector Lending.
a)
Rs.10.00 Lakh
b)
Rs.5.00 Lakh
c)
Rs.20.00 Lakh
d)
Rs.30.00 Lakh
13.
13.Bank loans up to a limit of ₹_________ to borrowers for purposes like solar based power generators, biomass-based power generators, wind mills, micro-hydel plants and for non-conventional energy based public utilities, viz., street lighting systems and remote village electrification etc., will be eligible for Priority Sector classification.
a)
Rs.20.00 cr
b)
Rs.15.00 cr
c)
Rs.30.00 cr
d)
Rs.10.00 cr
14.
14. Loans to individuals up to ₹_______ in metropolitan centres (with population of ten lakh and above) and up to ₹___________ in other centres for purchase/construction of a dwelling unit per family provided the overall cost of the dwelling unit in the metropolitan centre and at other centres does not exceed ₹45 lakh and ₹30 lakh respectively.
a)
₹35 lakh and ₹25 lakh respectively
b)
₹45 lakh and ₹30 lakh respectively
c)
₹50 lakh and ₹30 lakh respectively
d)
None of these
15.
15. Loans up to ₹____ lakh in metropolitan centres and up to ₹______ lakh in other centres for repairs to damaged dwelling units conforming to the overall cost of the dwelling unit as prescribed shall be classified under PSL.
a)
Rs.5.00 Lakh and Rs.2.00 Lakh respectively
b)
Rs.10.00 Lakh and Rs.6.00 Lakh respectively
c)
Rs.8.00 Lakh and Rs.4.00 Lakh respectively
d)
None of these
16.
16.Loans not exceeding ₹________ provided by banks to SHG/JLG for activities other than agriculture or MSME, viz., loans for meeting social needs, construction or repair of house, construction of toilets or any viable common activity started by SHGs shall be classified as Other Priority Sector lending?
a)
Rs.2.00 Lakh
b)
Rs.5.00 Lakh
c)
Rs.10.00 Lakh
d)
Rs.4.00 Lakh
17.
17.Which of the following is not a Weaker Section?
a)
Small and Marginal Farmers
b)
Individual women beneficiaries up to ₹1 lakh per borrower
c)
Minority communities
d)
None of these
18.
18. For classification under Priority sector (other than RRBs and UCBs) in case of Investments by banks in securitisation notes and Transfer of Assets through Direct Assignment /Outright purchase, The all-inclusive interest charged to the ultimate borrower by the originating entity should not exceed___________
a)
Investing bank’s MCLR + 5% or EBLR + 14%.
b)
Investing bank’s MCLR + 10% or EBLR + 14%.
c)
Investing bank’s MCLR + 10% or EBLR + 18%.
d)
Investing bank’s MCLR + 10% or EBLR + 24%.
19.
19. No loan related and ad hoc service charges/inspection charges should be levied on priority sector loans up to ₹___________.
a)
Rs.1.60 Lakh
b)
Rs.25000
c)
Rs.10000
d)
Rs.50000
20.
20.A higher weight of_________% would be assigned to the incremental priority sector credit in the identified districts where the credit flow is comparatively lower (per capita PSL less than ₹6000)
a)
110 percent
b)
130 percent
c)
125 percent
d)
150 percent
21.
21.Alower weight of_____% would be assigned for incremental priority sector credit in the identified districts where the credit flow is comparatively higher (per capita PSL greater than ₹25,000).
a)
80 percent
b)
90 percent
c)
80 percent
d)
75 percent
22.
22. Which of the following can be classified under Agriculture Infrastructure activity?
a)
Loans for construction of storage facilities
b)
Loans for setting up of Agri-clinics and Agri-business centres
c)
Loans to Custom Service Units managed by individuals, institutions or organizations
d)
All of these
23.
23. Which of the following can be classified under Agriculture Ancilliary activity?
a)
Soil conservation and watershed development
b)
Plant tissue culture and agri-biotechnology, seed production, production of bio-pesticides, bio-fertilizer, and vermi composting.
c)
Loans sanctioned by banks to MFIs for on-lending to agriculture
d)
Loans for construction of oil extraction/ processing units for production of bio-fuels
24.
24.Loans up to ₹5 crore per borrowing entity to FPOs/FPCs undertaking farming with assured marketing of their produce at a pre-determined price may be classified under_________
a)
Agriculture Farm credit
b)
Agriculture Infrastructure Activity
c)
Other Priority Sector
d)
Social Infrastructure
25.
25.Loans for agriculture infrastructure will be subject to an aggregate sanctioned limit of ₹________ per borrower from the banking system
a)
Rs.5.00 cr
b)
Rs.50.00 cr
c)
Rs.100.00 cr
d)
Rs.200.00 cr
Reset
