ADVANCES

AGRICULTURE I

1. Crop loans are sanctioned for

(a) Owners only

(b)

(c) Tenants only

share croppers only

(d)

either A, B or C

2. Revival letter AB4 & AB5 have to be affixed with stamps for __________
(a) Re.1.00 revenue stamp
(b) 25 paise revenue stamp
(c) Re.1.00 non-judicial adhesive stamp
(d) None of the above
3. For conversion of crop loan into term loan a request from the farmer
borrower has to be made in
(a) AB 6

(b)

AB 3

(c) AB 7

(d)

none of the above

4. RBI AGL V is a return meant __________

(a) To know the amount of loan disbursed
(b) To know the total outstanding
(c) To know the recovery half-yearly
(d) To know the recovery level annually
5. SGSY has to be implemented ___________
(a) In all places irrespective of population
(b) In rural and semi-urban areas only
(c) In rural areas only
(d) None of these
6. Government subsidy available for DIR scheme is ____________
(a) 25%

(b)

(c) 12% (d)

20%
None of these

7. Spacing norms are waived for financing minor irrigation schemes in

___________
(a) Dark area
(c) White area

(b)

Gray area

(d)

none of these

8. The minimum extent of land required to be eligible to get loan for purchase
of tractor (above 35 HP) is _______________
(a) 6 acres of perennially irrigated land
(b) 8 acres of Dry land
(c) 5 acres of Dry land
(d) No restriction on land holdings
9. What is the maximum repayment period permissible for Tractor loan?
(a) 7 yrs.

(b)

8 yrs.

(c) 9 yrs.

(d)

3 yrs.

10. Limitation period for the Hypothecation Agreement AB1 in case of

agricultural term loans
(a) 3 years from the date of revival
(b) 3 years from the date of demand
(c) 3 years from the due date of repayment
(d) 3 years from the due date of repayment / first overdue installment or
from the date of demand whichever is earlier
11. A Tractor is considered to have a minimum work of _______________
besides custom hiring service, per annum.
(a) 600 hours of work
(c) 7000 hours of work

(b)
(d)

5000 hours of work

1000 hours of work

12. At least ______% of the total amount required for repayment of

installment of tractor loan together with interest should come from the
incremental income derived out of mechanization of beneficiaries farm
(a) 25%

(b)

40%

(c) 50%

(d)

No such restrictions

13. Daily transactions regarding the implementation of Annual Credit Action

Plan is reported to Lead Bank in
(a) LBR 1

(b)

LBR 2

(c) LBR 3

(d)

IRDP 1

14.Inspection charges will be waived, for Agriculture for

(a) All SGSY and DIR advance
(b) SGSY and DIR advances upto Rs.5,000/(c) All SGSY DIR advances and other advances upto Rs.25,000/15.Kharif season starts from
(a) April to September
(c) July to December

(b)

January to June

(d)

October to March

(b)

October to March

16.Rabi season starts from

(a) December to May
(c) May to October

(d)

July to December

17. What is the maximum loan limit under Land Purchase Scheme?
(a) Rs.2.00 lacs
charges)

(b)

Rs.3.00 lacs (Excluding developmental

(c) Rs.5.00 lacs (Excluding developmental charges)

(d) Rs.4.00 lacs (including developmental charges)
18.To boost agro-processed food exports, Government of India has
promoted
(a) MPEDA

(b)

APEDA

(c) APFEDA

(d)

DPAPDA

19. Under the scheme for financing purchase of tractors below 18 HP, the
repayment period fixed is
(a) 9 years
(c) 12 years

(b)
(d)

10 years
7 years

20. Term loan for the purchase of movable assets can be sanctioned without
insisting for collateral security upto
(a) Rs.25000/-

(b)

Rs.10000/-

(c) Rs.20000/-

(d)

Rs.50000/-

21. Running cash credit facility for crop cultivation is considered as part of
____________ account only for accounting purposes
(a) Agri Term Loan

(b)

Demand Loan

(c) Part of Cash Credit

(d)

ACC

22. Total interest debited should not exceed the principle amount in case of
short term loans sanctioned to
(a) High-tech Agri borrowers

(b)

SF/MF

(c) DRI borrowers

(d)

None of the above

23. Irrigation projects with cultivable command area upto _____ hectares are
classified under minor irrigation scheme
(a) 1000

(b) 5000

(c) 2000

(d) 10,000

24. __________________ is not an organic manure

(a) Oil cake

(b)

(c) Bone meal

Farm yard manure

(d)

Potash

25. What is maximum limit that can be granted under Produce marketing
loan?
(a) Rs.5.00 lacs

(b)

Rs.3.00 lacs

(c) Rs.2.00 lacs

produce

(d)

Rs.10.00 lacs or 60%-80% of value of

26. Agricultural Term Loans are granted for:

(a) Purchase of seeds, manures and fertilizers
(b) Purchase of pesticides
(c) Purchase of durable assets
(d) All of these
27. Lactation period in respect of milch animals refers to
(a) The period during which the animal gives milk
(b) The period between the date of conception and date of giving birth to
young one
(c) Inter-calving period (Time gap between the two dates of giving birth
to young ones)
(d) The age at which the animal starts giving milk
28. Gestation period refers to:
(a)
(b)
(c)
(d)

Repayment period of a term loan

Period between disbursement of loan and closure of loan
Moratorium period of no-repayment
Time taken for sanction of loan

29. The purpose of Inspection in Agriculture is

(a) Service area oriented
(b) Farm oriented
(c) Village oriented
(d) Farmer oriented
30. One of the functions given here is not performed by Lead Bank
(a) To survey credit needs
(b) Develop Branch Banking
(c) Provide infrastructure to all Bank Branches
(d) Enable extension of credit facilities
31. When an EM is created it is valid for a period of
(a) 12 years

(b)

13 years

(c) 30 years

(d)

6 years

32. As per government directives, the share of weaker section in Banks

advance should be
(a) 12% of total advance

(b)

1% of total advance

(c) 20% of priority sector advances (d)

10% of total advances

33. Agricultural labourer is one

(a) Who owns less than 0.5 acres, earns 50% of income from
Agriculture.
(b) Who is landless and work in farms owned by others.
(c) Who earns 55% of income through farm labour.
(d) Who is not an industrial worker.
34. ________________ is the committee which recommended simplification
of loan application forms and documents for agricultural finance
(a)
(b)
(c)
(d)

Krishnaswamy Committee
Ghosh Committee
R.V. Gupta Committee
Oza Committee

35. To avail of Kisan Credit Card, minimum production credit limit requirement
should not be less than
(a) Rs.3000/-

(b)

Rs.10000/-

(c) Rs.20000/-

(d)

Rs.100000/-

36. Under Agricultural Segment, the collateral security / third party guarantee
is waived upto a limit of ____________ in respect of crop loans
(a) Rs.10000/-

(b)

Rs.15000/-

(c) Rs.50000/-

(d)

Rs.25000/-

37. Advantage of Kisan Credit Card over Agricultural Cash Credit is

(a) Cheaper interest rate
(b) Permits any number of drawals / repayment within the limit
(c) Provides for contingent needs to a limited extent
(d) b and c above
38. Loan under Kisan Credit Card (KCC) will be accounted for under
(a) Agricultural Cash Credit
(c) Demand Loan

(b)

(d)

SBI Credit Card account

Agri. Term Loan

39. Maximum loan under DIR scheme is __________

(a) Rs.1500/-

(b)

Rs.5000/-

(c) Rs.6500/-

(d)

Rs.10000/-

(e) None of these

40. Loans granted for consumption needs of farmers, the branch may charge
interest at
(a) 10%
(b) Same rate as stipulated under Short Term Loan
(c) 4%
(d) 12.5%
41. What is the maximum amount of loan that can be sanctioned without
mortgage / charge over the assets under A.T.L. where in no movable
assets are created?
(a) Rs.1000/-

(b)

Rs.2000/-

(c) Rs.5000/-

(d)

Rs.10000/-

42. The mandatory percentage of Agricultural advances to Total Advances is

_______
(a) 15%

(b)

18%

(c) 47%

(d)

50%

43. Amount of loan permitted to meet contingent need of the farmer under
Kisan Credit Card is
(a) 20% of the peak level credit limit sanctioned for production purposes
(b) No provision for contingent need
(c) 15% of the peak credit limit sanctioned for production purposes
without any ceiling
(d) 10% of the peak credit limit sanctioned for production purposes
44. Field Officers can now sanction loans upto
(a) Rs.2.00 lacs

(b)

Rs.1.00 lac

(c) Corresponding to the powers of BMs of same grade.

(d) No power
45. The limit of crop loan to individual sugarcane grower that can be
sanctioned without collateral security under tie-up arrangement with the
sugar mill is
(a) Rs.15000/(c) Rs.100000/-

(b)
(d)

Rs.45000/Rs.25000/-

46. Eligibility of farmers for bank loan for a tractor below 35 HP

(a) Minimum 8 acres of perennially irrigated land
(b) Minimum 4 acres of perennially irrigated land
(c) Minimum 5 acres of perennially irrigated land
(d) Minimum 6 acres of perennially irrigated land
47. Under agricultural segment no due certificates need not be insisted upon
in case of new loans upto
(a) Rs.10,000
(b) Rs.25,000
(c) Rs.45,000
(d) None of the above
48. Amount of produce marketing loan against pledge / hypothecation under
priority sector may be granted:
(a)
(b)
(c)
(d)

Upto Rs.10,000/- to any agriculturist for three months

Upto Rs.5 lacs to crop loan borrowers for three months
Upto Rs.1 lac to crop loan borrowers for six months
Upto Rs.10 lac to crop loan borrowers for twelve months

49. Advances upto Rs.25 lacs for distribution of inputs to allied agricultural
activities is extended as:
(a) Direct agricultural advances under priority sector
(b) Indirect agricultural advances under priority sector
(c) Indirect advances under C&I sector
(d) Indirect advances under SIB sector
50. KCC facility for agriculture should be reviewed at
(a) After 3 years
(c) Half yearly

(b)
(d)

Annually
Quarterly

51. Under group life insurance scheme for SHG, the cover available to the
nominee incase of accidental death is
(a) Rs.6000/-

(b)

Rs.25000/-

(c) Rs.5000/-

(d)

Rs.12000/-

52. What is the maximum amount of risk covered in Personal Accident

Insurance Scheme for KCC holders?
(a) Rs.50000/(c) Rs.25000/-

(b)
(d)

Rs.1.00 lac
Rs.75000/-

53. Loans to small and marginal farmers for purchase of shares of agrobased units are to be treated as
(a)
(b)
(c)
(d)

Direct agricultural finance

Indirect finance to agriculture
P segment finance
SIB segment

54. Branches need not insist for collateral security for loans to self help
groups (SHG) without Government assistance.
(a)
(b)
(c)
(d)

Limits upto Rs.500000/- per group

Limits upto Rs.25000/- per group
Limits upto Rs.50000/- per group
Limits upto Rs.10000/- per group

55. In case of natural calamity while restructuring the crop loan to term loan
(a) Principal outstanding will be converted
(b) Principal and interest will be converted
(c) only interest portion will be converted
(d) none of the above

56. Loans disbursed to SHGs are to be reported under

(a) Agricultural segment
(b) Small business segment
(c) personal segment
(d) SIB segment
57. For the purpose of arriving at loan to savings ratio under SHG, savings
means
(a) Balance in the savings bank account maintained by the group
(b) Balance in the savings bank account, cash on hand and loan amount
outstanding with the group members
(c) Amount deposited in fixed deposit account as security to the
proposed loan
(d) Balance in savings bank account and cash on hand
58. Subsidy available to individual beneficiary under SGSY is
(a) 25% of the loan amount subject to a maximum of Rs.6000
(b) 30% of the Project Cost subject to a maximum of Rs.7500 for
individuals and 50% of the Project Cost subject to a maximum of
Rs.10000 for SC/ST.
(c) 50% of the loan amount subject to a maximum of Rs.7500
(d) 50% of the loan amount subject to a maximum of Rs.10000
59. While financing SELF HELP GROUPS, the group should be in active
existence for at least
(a) 1 month

(b)

6 months

(c) 1 year

(d)

5 months

60. Finance extended (ceiling upto Rs. 20 lacs) to dealers in drip irrigation is
considered as
(a) SBF advance

(b)

Indirect agri advance

(c) Direct agri advance

(d)

None of the above

61. NABARD Unit cost as stipulated for various kinds of activities financed by
commercial banks
(a) cannot be violated
(b) 10% increase can be made
(c) It is only indicative and hence may be violated
(d) None of the above

62. Subsidy available to a group (SHG) under SGSY is

(a) 25% of the cost of the project subject to a ceiling of Rs.1 lac
(b) 50% of the cost of the scheme subject to a ceiling of Rs.1.25 lac
(c) 33 1/3% of the cost of the scheme subject to a ceiling of Rs.1.50 lac
(c) 33 1/3% of the cost of the scheme subject to a ceiling of Rs.1.25 lac
63. Under SGSY, focus on the vulnerable groups among the rural poor is
(a) 50% SC/ST, 40% women and 3% disabled swarozgaris
(b) 33 1/3% SC/ST and 33 1/3% women
(c) 25% SC/ST and 50% women
(d) none of the above
64. All loans sanctioned under SGSY should have minimum repayment
period of __
(a) 36 months

(b)

48 months

(c) 60 months

(d)

84 months

65. What is the limit upto which collateral security is waived for Dairy Plus
Scheme
a. Rs.25000
b. Rs.50000
c. Rs.1.00 lac
d. Any limit
66. The security norms for financing diversifying crops under CONTRACT
FARMING is
a. Hypothecation of crops and collateral security.
b. Hypothecation of crops and waiver of collateral security for limits
up to Rs.1 lac.
c. Only group guarantee.
d. None of the above.
67. Loans / Overdrafts given to farmers against FD/KVP etc. should be
classified as .
a.
b.
c.
d.

Direct finance to Agriculture.

Indirect finance to Agriculture.
Finance to Allied Agricultural activities.
None of the above.

68. Development loans to all plantations, horticulture, forestry and wasteland

have to be classified as .
a. Direct finance to Agriculture.
b. Indirect finance to Agriculture.
c. Finance to Allied Agricultural activities.
d. None of the above.
69. All in All out System is connected with
a. Fisheries

(b) Dairy

(c)

(d) Horticulture

Poultry

70. What is the minimum Flock size under Broiler Plus Scheme?
(a) 3000 Birds

(b) 4000 Birds

(c) 5000 Birds

(d) 10000 Birds

71. Vermiculture refers to

a. Growing of birds
(c)
72.

73..

(b) bee keeping

rearing of earth worms(d) mushroom cultivation

Housing loan Scheme available for SHGs is known as

(a) Gram Niwas

(b) Sahyog Niwas

(c) Golden Jubilee Special RHS

(d) None of the above

Minimum number of members in a SHG should be

(a)

10

(b)

15

(c)

20

(d)

25

74.. Who can promote SHGs?

(a)

NGO

(b) SHPI

(c)

Banker

(d) All the above

75.. What is the validity period of Kisan Gold Card?

(a)

1 year

(b) 2 years

(c)

3 years

(d) 5 years

76.. The following expenses may be considered under Land Purchase

Scheme.
(a) Cost of land

(b) Registration charges/Stamp duty

(c) Purchase of farm equipments (d) All the above

77.. Collateral security is waived for setting up of Agri. clinic/Agri. Business

Centres is waived upto
(a) Rs.1.00 lac

(b)

Rs.2.00 lacs

(c) Rs.3.00 lacs

(d)

Rs.5.00 lacs

78.. Loans granted to Commission agents under Arthias Plus Scheme is

classified under
(a) Agri. Seg.

(b) SIB

(c) C&I

(d) All the above depending

upon the loan limit

79.. The scheme Cyber plus refers to

(a) Setting up Super Markets
(b) Setting up Chain Stores
(c) Setting up Internet Centres in Rural/Semi-Urban areas
(d) All the above
80.. Green channel programme for excellence refers to
(a) Issuing maximum number of KCC
(b) Issuing maximum number of KGC
(c) Award for best agriculturist in a branch
(d) None of the above
81.. The advantage of contract farming
(a) Quality inputs
(b) Technical guidance
(c) Buy back arrangement
(d) All the above
82. While financing of second hand tractor, one of the following need not be
obtained:
a. hypothecation termination letter b. supplementary hypothecation letter
c. AB1

d. arrangement letter

83. Mixed farming means

a. multiple cropping

b. availing of crop loan and gold loan

c. undertaking cultivation and allied activities

d. none of these

KEY TO AGRICULTURE
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D
D
C
D
C
B
D
A
C
D
A
C
B
C
A
B
C
B
C
D
D
B
C
D
D

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C
A
C
D
C
A
D
A
C
A
C
D
A
C
B
A
B
A
C
C
B
D
D
B
B

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B
A
B
A
B
A
B
B
B
C
C
B
A
C
C
B
A
A
C
C
C
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A

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D
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D
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A
C