Notes in Loan Policy

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Published	11/15/2024	The Loan Policy is reviewed once in ________ by the Board.A) A yearB) Every 2 yearsC) Every 3 yearsD) Every 5 yearsAns {{c1::A Year}}
Published	11/15/2024	The guidance rate for RAROC is ___%. For priority sector loans, it is ____%.A) 40, 18B) 12, 8C) 20, 12D) 12, 6Ans {{c1::20 and 12}}
Published	11/15/2024	Which one is incorrect about large exposure framework norms?A) Single Counterparty - 20% of Bank’s Tier I CapitalB) Group of Connected Counterparties …
Published	11/15/2024	Sum of exposure to a counterparty/group of connected counterparties is equal to/above 10% of the Bank's Tier I capital.A) Small BorrowerB) Medium Borr…
Published	11/15/2024	Max. exposure prescribed by the Bank (excluding facilities granted against specified securities) in the case of an individual is:A) ₹ 100 CroreB) ₹ 15…
Published	11/15/2024	Aggregate of Substantial Exposures to Single Borrowers should not exceed ____% of Tier-I Capital.Options:200300500600Ans {{c1::300 Percent}}
Published	11/15/2024	TL (with residual maturity of over 3 years) at any point of time should not in aggregate exceed ___% of the total advance.Options:10202540Ans {{c1::40…
Published	11/15/2024	Non-Fund Based facility not to exceed ____ % of the Bank’s total fund-based exposure.Options:50100150200Ans {{c1::100 Percent}}
Published	11/15/2024	LEI is a _____-digit unique code that identifies every legal entity that is a party to a financial transaction in any jurisdiction.A. 12B. 11C. …
Published	11/15/2024	Loans against shares, convertible bonds/debentures & units of equity-oriented mutual funds to individuals should not exceed:A. ₹ 10 LakhsB. ₹ 15 L…
Published	11/15/2024	Mandatory audit of accounts by CAs may not be insisted by the Bank for non-corporate borrowers with exposures less than:A. ₹ 50 LakhsB. ₹ 100 LakhsC. …
Published	11/15/2024	Which statement is wrong for Dynamic Review of Rating?A. Is carried out for borrowers with exposure of Rs.10 Cr and above.B. Trigger-Based Dynamic Rev…
Published	11/15/2024	Besides, the internal risk rating (CRA), it is mandatory to obtain External Credit Rating of a borrower if the exposure:A. Exceeds ₹25 CroresB. …
Published	11/15/2024	Term Loans sanctioned and not availed within ____ months from the date of sanction need revalidation.A. 1B. 3C. 6D. 12Ans {{c1::6 Month}}
Published	11/15/2024	Countries have been placed in _____ risk categories as per the risk perception.A. 3B. 5C. 8D. 10Ans {{c1::8 }}
Published	11/15/2024	Stock and Receivables Audit is conducted for credit facilities above ____ except for units having CRA rating SB-5 & better.A. ₹ 1 CroreB. ₹ 5 Cror…
Published	11/15/2024	The bank has decided to use exclusively the External Benchmark for pricing all its new floating rate Retail & MSME loans with effect from:A. 01/04…
Published	11/15/2024	Early Review of Sanctions (ERS) covers all sanctions above Rs.______A. 1 CroreB. 2 CroreC. 5 CroreD. 10 CroreAns  {{c1::1 Crore}}
Published	11/15/2024	Cut-off limits for identification of wilful defaulters is ₹________ and above.A. 10 LakhB. 25 LakhC. 10 CroreD. 25 CroreAns {{c1::25 Lac}}
Published	11/15/2024	The cut-off limit for classifying a borrower as non-cooperative is aggregate fund & non-fund-based facilities of _____.A. ₹ 5 LakhsB. ₹ 25 LakhsC.…
Published	11/15/2024	The recourse under LOC may be taken to prevent borrowers/promoters/WTDs/guarantors from leaving the country where the loan outstanding (FB+NFB) is not…
Published	11/15/2024	Recognizing the complexities involved, project loans above a certain cut-off value are handled by PF & S SBU, which are:A. Infrastructure - Above …
Published	11/15/2024	Legal Audit is mandatory for all exposures of Rs._____ and above, to verify the title deeds and other loan documents.A. 1 CroreB. 2 CroreC. 5 CroreD. …
Published	11/15/2024	Risk Focused Credit Audit covers all Credit Auditable Accounts (CAAs) with total credit exposure (FB+NFB) above ₹_____.A. 5 CroreB. 10 CroreC. 20 Cror…
Published	11/15/2024	The undrawn portion of CC/OD limits sanctioned, having aggregate FBWC limit of ₹150 Cr & above, shall attract CCF of:A. 10%B. 20%C. 50%D. 10…
Published	11/15/2024	A notional discount of ____ is applied on the total “Realizable Value” of properties where the number of properties is in excess of 10.A. 5%B. 10%C. 1…
Published	11/15/2024	BGs will generally be issued/renewed for a period not exceeding _____ months at any one instance.A. 12B. 15C. 18D. 24Ans {{c1::18 Months}}
Published	11/15/2024	In the event of an increase in ROI of HLs, extension of loan tenure up to ___ beyond the original tenure may be permitted.A. 3 YearsB. 5 YearsC. 7 Yea…
Published	11/15/2024	Project Vivek is applicable for all eligible SME proposals up to Rs. _____ Cr in the RB&O group.A. 25B. 50C. 100D. 500Ans {{c1::50 Crore}}
Published	11/15/2024	Six ECR Agencies are accredited by RBI for risk weighting the Bank’s claim for computation of capital adequacy. Find the wrong one:A. CAREB. SMERAC. I…
Published	11/15/2024	Hurdle rate ___ is prescribed under the internal risk rating model for considering new connections/enhancements in the credit limit.A. SB-5B. SB…
Published	11/15/2024	The bank has recently introduced an ‘Internal Negative List,’ which contains the names of:A. Staff involved in fraudsB. Customers involved in fraudsC.…
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