1.

Grace period available for renewal after due date for AAD in system is Select
one:
a. None of the options given
b. 7 days
c. 1 day
d. 3 days
2.The authority having delegation to waive registration of Power of Attorney to be
executed in favour of the Bank.
Select one:
a. Sanctioning committees in RCH and above
b. Branch
c. Zonal Head
d. None of the options given
3.Which of the following can be considered under CRE RH Select one:
a. Loans for construction of school building
b. Loans for construction of Cinema Theatre
c. integrated housing projects comprising of some commercial space
d. None of the options given
4.The authority having delegation to waive execution of Power of Attorney to be
executed in favour of the Bank Select one:
a. Senior Management Committee
b. Regional Credit Committee
c. None of the options given
d. NCH Committee
5.Which of the following categories come under direct exposure to real estate
sector Select one:
a. Loans to NHB
b. None of the options given
c. Investment in mortgage backed securities
d. Loans to housing finance intermediaries
6.Collateral security required under Contractors Plus scheme is
of the credit limit. Select one:
a. 150%
b. 100%
c. None of the options given
d. 125%
7.Which of the following statements is correct Select one:
a. AAD can be granted without marking lien on the deposit account
b. None of the options given
c. AAD can be granted on the same day of opening of the related deposit
account
d. Margin to be maintained for AAD against for AAD against NRE deposit is 10%
8.NRE deposits is 10% .The authority who can sanction limits under Contractors
Plus scheme, if collateral coverage is less than 50%
Select one:
a. Senior Management Committee
b. NCH Committee

c. Regional Credit Committee

d. Zonal Credit Committee
9.Interest rates of advances against third party deposits as primary security are
linked to
Select one:
a. Interest rate of deposit
b. Base rate
c. Both a and b
d. None of the options given
10.The sub sector of CRE that consists of loans to builders/developers for
residential housing projects (except for captive consumption) under CRE
segment Select one:
a. Real Estate
b. None of the options given
c. Commercial Real EstateResidential Housing
d. Commercial Real Estate
11.For deposits in joint names, like E or S deposits, who should discharge the
deposit receipts and sign all the papers, documents to be executed for availing
AAD
Select one:
a. None of the options given
b. Primary account holder
c. All the parties to the deposit
d. Only one of the deposit holders
12.Overall exposure ceiling to real estate sector shall not exceed of total
advances
Select one:
a. 20%
b. 25%
c. 30%
d. None of the options given
13.The authority to approve works of contractors after sanctioning of limits
Select one:
a. CMC
b. None of the options given
c. Zonal Office
d. Sanctioning authorities
14.Limit for anticipated contract is restricted to maximum of of the total
assessed limit under Contractors Plus Scheme.
Select one:
a. None of the options given
b. 25%
c. 50%
d. 75%
15.As per Contractors Plus Scheme, margin on Bills Receivables, when work is
in progress

Select one:
a. 35%
b. None of the options given
c. 25%
d. 15%
16.Which of the following exposures need not be classified as Commercial Real
Estate
Select one:
a. Loans extended to builders towards construction of any property which is
intended to be sold or given on lease
b. Exposures for acquiring real estate for carrying business activities which would
be
serviced out of cash flows generated by those business activities
c. Both a and b
d. None of the options given
17.Which of the following activities are not eligible for Bank Credit as stipulated
by RBI
Select one:
a. None of the options given
b. Construction of buildings meant purely for govt /semi govt offices
c. Term loans to housing finance institutions
d. Projects undertaken by public sector entities, which are not corporate bodies
(None of the options given
18.AAD cannot be granted against which of the following deposits
Select one:
a. Tax Savings Deposit
b. None of the options given
c. Recurring Deposit
d. Third party deposit
19.Single borrower ceiling fixed for private/public limited companies with credit
rating of FB 1/FB2
Select one:
a. Rs. 150 Crore
b. Rs. 200 Crore
c. None of the options given
d. Rs. 75 Crore
20.For calculation of DP, which of the following works can be included
Select one:
a. Works approved by the Bank
b. Unapproved works, but power of attorney submitted
c. Both a and b
d. None of the options given
21.As per Contractors Plus Scheme, margin on Bills Receivables, for completed
works
Select one:
a. None of the options given
b. 15%
c. 35%
d. 25%

22.PF applicable for AAD is

Select one:
a. 0.10% of the loan amount
b. PF need not be collected
c. None of the options given
d. 0.125% of the loan amount
23.Margin stipulated for AAD against resident
deposits is
Select one:
a. 10%
b. 25%
c. 15%
d. None of the options given
24.Bank is free to charge interest rate without reference to its Base Rate for
deposits in the name of which of the following persons
Select one:
a. One of the partners of a partnership firm and the advance is made to the said
firm
b. All the options given
c. The borrower either singly or jointly
d. The proprietor of a proprietary concern and the advance is made to such a
concern
25.Banks advance to those HFCs, which are mostly lending to individuals for
residential housing as per the norms fixed by National Housing Bank (NHB) and
also fulfill the eligibility criteria to draw refinance from NHB, have to be treated
as.
Select one:
a. Housing loans
b. Non CRE Exposure
c. CRE Exposure
d. None of the options given
26.The investment criteria specified for contractor loans to be classified as
priority is
Select one:
a. Investment in plant &amp machinery up to Rs. 200 L
b. Investment in plant and machinery up to Rs. 500 L
c. Investment in equipment up to Rs. 200 L
d. None of the options given
27.Banks exposures to .. dwelling unit onwards to an individual will also
be treated as CRE exposures
Select one:
a. None of the options given
b. Third
c. First
d. Second
28.CRE-RH segment attracts a risk weight than CRE segment

Select one:
a. lower
b. None of the options given
c. higher
d. equal
29.While assessing contractor limits, one part bill has to considered for every
. months
Select one:
a. 12 months
b. None of the options given
c. 3 months
d. 6 months
30.The minimum internal rating prescribed by the Bank for CRE finance
Select one:
a. None of the options given
b. FB 2
c. FB 3
d. FB 4
31.Statement of work in progress is to be submitted by the borrower at what
frequency
Select one:
a. Quarterly
b. Monthly
c. Annually
d. Half yearly
32.Period of the loans to CRE is restricted to .. including period of
moratorium
Select one:
a. 5 years
b. 10 years
c. 7 years
d. None of the options given
33.Authority having delegation to sanction AAD against deposits standing in the
name of minors
Select one:
a. None of the options given
b. Branch Head
c. Regional Credit Committee &amp above
d. Corporate Office committees alone
34.The authority to approve works of contractors at the time of sanctioning of
limits
Select one:
a. Zonal Office
b. CMC
c. Sanctioning authorities
d. None of the options given
35.Sanctioning authorities at RCH and Corporate Office can finance second

hand machinery upto. Years old

Select one:
a. None of the options given
b. 10
c. 15
d. 12
36.The authority having delegation to permit renewal of overdue AAD accounts
Select one:
a. None of the options given
b. Regional Credit Committee
c. Zonal Head
d. NCH Committee
37.Margin for loans to CRE shall be. Of project cost.
Select one:
a. 75%
b. None of the options given
c. 25%
d. 50%
38.Which of the following committees is having delegation to sanction Real
Estate loans
Select one:
a. None of the options given
b. Regional Credit Committee
c. Zonal Credit Committee
d. NCH Committee
39.Borrowers rated belowcannot be sanctioned loans under
Contractors Plus Scheme
Select one:
a. FB 4
b. FB 3
c. FB 2
d. None of the options given
40.Limits under Contractors Plus Scheme upto Rs...can be
considered taking CGTMSE guarantee
Select one:
a. 50 Lakh
b. 10 Lakh
c. 25 Lakh
d. 100 Lakh
41.Banks shall not extend finance to ..for acquisition of land
Select one:
a. Public agencies
b. Private Builders
c. Both a and b
d. None of the options given

42.AAD cannot be sanctioned to which of the following

Select one:
a. Deposit receipts of other branches
b. Deposit receipts of other banks
c. Both a and b
d. None of the options given
43.Work site inspection is to be conducted for contractor limits upto Rs. 100 L at
what frequency
Select one:
a. Half yearly
b. Quarterly
c. None of the options given
d. Monthly
44.Which of the following is a primary security for working capital limits
sanctioned to contractors
Select one:
a. Plant &amp Machinery
b. None of the options given
c. Equipments
d. Bills Receivables on contract works
45.Proceeds of AAD granted against NRE/ FCNR shall be credited to which of
the following accounts
Select one:
a. NRE accounts
b. NRO accounts
c. Both a and b
d. None of the options given
46.Maximum period for which AAD can be sanctioned
Select one:
a. None of the options given
b. 30 months or till the due date of the deposit whichever is earlier
c. 3 years
d. Due date of deposit
47.Collateral security requirement stipulated for CRE finance is .of the
loan amount
Select one:
a. 200%
b. 100%
c. 150%
d. None of the options given
48.Frequency of conducting work site inspection for contractor limits which are
irregular
Select one:
a. Monthly
b. None of the options given
c. Quarterly
d. Half yearly

49.AAD against NRE deposits shall not be granted for which of the following
purposes
Select one:
a. Personal purposes
b. Agricultural activities
c. None of the options given
d. Business activities
50.Working capital limits to contractors above Rs.. has to be assessed on
the basis of MPBF method
Select one:
a. Rs. 5 Crore
b. None of the options given
c. Rs. 2 Crore
d. Rs. 3 Crore