WorksheetsPSL 2025
Total questions: 50
Worksheet time: 25mins
Name
Class
Date
1.
What is the primary objective of Priority Sector Lending (PSL)?
a)
Maximize bank profits
b)
Ensure credit flow to underserved productive sectors
c)
Support corporate social responsibility
d)
Reduce interest rates for all borrowers
2.
How is PSL viewed in the banking system?
a)
A charitable activity
b)
A normal business operation
c)
A government subsidy program
d)
A temporary regulatory requirement
3.
What is recommended for banks under PSL guidelines?
a)
Route loans through intermediaries
b)
Lend directly to beneficiaries
c)
Focus only on urban sectors
d)
Avoid innovative products
4.
When was the National Credit Council Meeting held that emphasized PSL?
a)
1968
b)
1974
c)
1980
d)
2015
5.
What was the PSL target share of aggregate advances by March 1979?
a)
0.25
b)
0.3333
c)
0.4
d)
0.5
6.
By what year were banks to achieve a 40% PSL target?
a)
1979
b)
1985
c)
2007
d)
2020
7.
When were direct and indirect agriculture lending distinctions removed?
a)
1972
b)
1983
c)
2012
d)
2015
8.
What was a key change in the September 2020 PSL guidelines?
a)
Removed all PSL targets
b)
Increased renewable energy loan limits
c)
Eliminated agriculture as a priority sector
d)
Reduced weaker section targets
9.
How many categories are included under PSL guidelines?
a)
5
b)
6
c)
8
d)
10
10.
Which is NOT a PSL category?
a)
Agriculture
b)
Corporate Lending
c)
Education
d)
Renewable Energy
11.
What is the total PSL target for domestic scheduled commercial banks?
a)
30% of ANBC
b)
40% of ANBC or CEOBE
c)
50% of ANBC
d)
60% of ANBC
12.
What is the sub-target for agriculture lending for domestic banks?
a)
0.1
b)
0.12
c)
0.18
d)
0.2
13.
What is the sub-target for Small and Marginal Farmers (SMFs) in FY 2023-24?
a)
0.08
b)
0.09
c)
0.1
d)
0.12
14.
What is the sub-target for weaker sections in FY 2023-24?
a)
0.1
b)
0.11
c)
0.115
d)
0.12
15.
What is the PSL target for Small Finance Banks from FY 2025-26?
a)
0.4
b)
0.5
c)
0.6
d)
0.75
16.
Which banks are exempt from PSL provisions?
a)
Regional Rural Banks
b)
Small Finance Banks
c)
Salary Earners’ Banks
d)
Local Area Banks
17.
What is the loan limit for educational loans under PSL?
a)
₹10 lakh
b)
₹15 lakh
c)
₹20 lakh
d)
₹25 lakh
18.
What is the maximum loan limit for housing in centers with population ≥50 lakh?
a)
₹35 lakh
b)
₹45 lakh
c)
₹50 lakh
d)
₹63 lakh
19.
What is the maximum loan limit for renewable energy projects per borrower?
a)
₹10 crore
b)
₹20 crore
c)
₹30 crore
d)
₹35 crore
20.
Which activity is included in Farm Credit under agriculture lending?
a)
Urban housing loans
b)
Pre and post-harvest activities
c)
Corporate startup loans
d)
Commercial real estate
21.
What is the loan limit for FPOs with assured marketing?
a)
₹2 crore
b)
₹4 crore
c)
₹5 crore
d)
₹10 crore
22.
Which is an Ancillary Activity under PSL?
a)
Commercial building construction
b)
Setting up Agri-clinics
c)
Corporate office loans
d)
Luxury vehicle loans
23.
What is the landholding limit for Marginal Farmers under SMF?
a)
Up to 1 hectare
b)
Up to 2 hectares
c)
Up to 3 hectares
d)
Up to 5 hectares
24.
What is the loan limit for MSME startups under PSL?
a)
₹10 crore
b)
₹20 crore
c)
₹50 crore
d)
₹100 crore
25.
What is the incremental export credit limit for domestic banks under PSL?
a)
1% of ANBC
b)
2% of ANBC or CEOBE
c)
5% of ANBC
d)
10% of ANBC
26.
What is the maximum loan limit for social infrastructure like schools?
a)
₹5 crore
b)
₹8 crore
c)
₹10 crore
d)
₹12 crore
27.
What is the loan limit for health care facilities under ‘Ayushman Bharat’ in Tier II-VI centers?
a)
₹8 crore
b)
₹10 crore
c)
₹12 crore
d)
₹15 crore
28.
What is the maximum loan for individuals in rural areas under the ‘Others’ PSL category?
a)
50000
b)
₹1 lakh
c)
₹1.5 lakh
d)
₹2 lakh
29.
What is the household income limit for PSL loans in rural areas under ‘Others’?
a)
₹1 lakh
b)
₹1.6 lakh
c)
₹2 lakh
d)
₹2.5 lakh
30.
What is the loan limit for distressed persons to prepay non-institutional debt?
a)
50000
b)
₹1 lakh
c)
₹1.5 lakh
d)
₹2 lakh
31.
What is the weightage for incremental PSL in Low PSL Districts?
a)
0.9
b)
1
c)
1.25
d)
1.5
32.
What is the per capita credit flow threshold for High PSL Districts?
a)
>₹30,000
b)
>₹42,000
c)
>₹50,000
d)
>₹60,000
33.
Until which financial year is the district weightage list valid?
a)
2023-24
b)
2024-25
c)
2025-26
d)
2026-27
34.
What is the loan limit for agriculture infrastructure per borrower?
a)
₹50 crore
b)
₹75 crore
c)
₹100 crore
d)
₹150 crore
35.
What is the loan limit for food and agro-processing under Ancillary Activities?
a)
₹50 crore
b)
₹75 crore
c)
₹100 crore
d)
₹150 crore
36.
What is the sub-target for Micro Enterprises under PSL?
a)
0.05
b)
0.075
c)
0.1
d)
0.12
37.
What is the loan limit for SHGs/JLGs for non-agriculture/MSME activities?
a)
₹1 lakh
b)
₹1.5 lakh
c)
₹2 lakh
d)
₹2.5 lakh
38.
What is the collateral-free loan limit for agricultural loans?
a)
₹1 lakh
b)
₹1.6 lakh
c)
₹2 lakh
d)
₹2.5 lakh
39.
What is the target for Non-Corporate Farmers for FY 2025-26?
a)
0.1
b)
0.12
c)
0.14
d)
0.18
40.
What is the loan limit for NBFCs (non-MFIs) for on-lending to agriculture?
a)
₹5 lakh
b)
₹10 lakh
c)
₹15 lakh
d)
₹20 lakh
41.
What is the loan limit for NBFCs for on-lending to Micro & Small Enterprises?
a)
₹10 lakh
b)
₹15 lakh
c)
₹20 lakh
d)
₹25 lakh
42.
What is the cap on on-lending to NBFCs for PSL classification?
a)
0.03
b)
0.05
c)
0.07
d)
0.1
43.
What is the loan limit for housing loans to HFCs for on-lending?
a)
₹10 lakh
b)
₹15 lakh
c)
₹20 lakh
d)
₹25 lakh
44.
What is the processing time for gold loans as per circular BCC:BR:111:530?
a)
10 minutes
b)
15 minutes
c)
20 minutes
d)
30 minutes
45.
How many agricultural advances can an agriculturist’s personal guarantee cover?
a)
1
b)
2
c)
3
d)
4
46.
What is the maximum commitment percentage for an agriculturist’s personal guarantee?
a)
0.25
b)
0.5
c)
0.75
d)
1
47.
Who makes the final decision on SC/ST loan applications?
a)
Branch Manager
b)
Regional Authority
c)
RBI
d)
NABARD
48.
What is the service charge limit for PSL loans to SHGs/JLGs?
a)
25000
b)
50000
c)
75000
d)
100000
49.
How often is PSL compliance monitored?
a)
Monthly
b)
Quarterly
c)
Semi-annually
d)
Annually
50.
What happens to banks with PSL shortfall?
a)
Fined directly
b)
Allocated to RIDF/other funds
c)
No action taken
d)
Interest rate penalties
100 %
