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DLP for Executives

Total questions: 15

Worksheet time: 8mins

Name
Class
Date
1.

What is the maximum loan amount for an AGM to provide an unsecured advance to a proprietorship firm with an internal Rating of BOB-5?

a)

Rs.75 lakh

b)

Rs.50 lakh

c)

Rs.100 lakh

d)

Rs.250 lakh

2.

The liability which is not crystalised as on date of balance sheet but may or may not arise in future is called

a)

Contingent Liability

b)

Non Current Liability

c)

Deferred Payment Liability

d)

Current Liability

3.

As per the revised DLP guidelines (Feb 2025), what is the aggregate single borrower limit (secured advance) for RMCC (AGM)/DRMCC (AGM)?

a)

INR 10 Crore

b)

INR 20 Crore

c)

INR 15 Crore

d)

INR 30 Crore

4.

What is the maximum limit for unsecured advances including unsecured portion of Ad-hoc/Excess/TOD for DRMCC (AGM)?

a)

INR 1.00 Cr

b)

INR 2.00 Cr

c)

INR 0.75 Cr.

d)

INR 1.50 Crore

5.

What is the maximum limit for Ad-hoc/Excess powers for RMCC (AGM)/DRMCC (AGM) in BOB 6 and above rated accounts?

a)

INR 3.00 Cr

b)

INR 4.00 Cr

c)

INR 4.50 Cr

d)

INR 6.00 Cr

6.

The maximum period for which Ad-hoc sanctions can be granted by AGM level authorities is:

a)

1 Month

b)

2 Months

c)

3 Months

d)

6 Months

7.

As per revised DLP, the structure is now delinked from which of the following parameters?

a)

Nature of security

b)

Type of industry

c)

Turnover of the borrower

d)

Constitution and credit rating of the borrower

8.

How many times in a financial year can a branch allow Ad-hoc limits under its discretionary powers (up to DGM level)?

a)

Once

b)

Twice

c)

Thrice

d)

Four Times

9.

For sanctioning authorities due for superannuation within 6 months, fresh credit sanctions require:

a)

Approval by the Board

b)

Approval from next higher authority

c)

Only post-facto reporting

d)

Recommendation from HR Department

10.

The penal charge/ additional interest applicable for Ad-hoc or Excess limits sanctioned is:

a)

1%

b)

2%

c)

1.50%

d)

2.50%

11.

For advances fully secured by Bank’s own deposits or 100% cash margin, the maximum DLP for AGM level authority is:

a)

INR 10 Cr

b)

INR 15 Cr

c)

INR 20 Cr

d)

INR 50 Cr

12.

A DRMCC (AGM) allowed an Excess of ₹3 crore for 20 days to a borrower rated BOB 6. Which guideline has been violated?

a)

Period of excess beyond permissible 15 days.

b)

Amount of excess exceeds 25% of fund-based limits

c)

Sanction to BOB 6 rated borrower not permitted.

d)

Penal interest not charged.

13.

A borrower rated BOB 7 requests for an enhancement falling within AGM’s DLP. Who can sanction?

a)

AGM

b)

DGM (RMCC)

c)

COCC (CGM)

d)

ZOCC (GM)

14.

Which of the following conditions must be satisfied for a DRMCC/ RMCC authority to exercise DLP of the next higher authority for review cases?

a)

No downgrading in internal rating and latest rating at least BOB 6.

b)

Previous year’s profit reported.

c)

Clean audit certificate received.

d)

Collateral coverage more than 125%.

15.

A Chief Manager (DRMCC-CM) wishes to sanction a secured working capital limit of ₹2.75 crore to a new borrower rated BOB 5. Which of the following applies?

a)

Permitted within DLP (secured borrower limit ₹3 crore).

b)

Can sanction only after approval from AGM.

c)

Cannot sanction as account is new.

d)

Can sanction only up to ₹2 crore.