1.

Export Advances, has stipulated a term of not exceeding two years at a time and further
rollover of not more than ------- at a time may be allowed subject to satisfaction with relative
export performance as per the contract, while issuing Standby Letter of Credit.
A 1 Yrs
B 2 Yrs
C 3Yrs
D 4Yrs
E 5Yrs
2. A --------------------------------- is a letter issued by a bank to the borrower where the bank
promises to pay to the beneficiary, if the customer fails to pay on time or complete the
project on time or fails to satisfy certain terms of an agreement
A Stand by Letter of Credit
B Back to Back Letter of Credit
C Red clause letter of Credit
D Green Clause letter of credit
E Revolving letter of credit
3. Sanctions for SBLC for Long Term Export Advance at
A CO
B ZO
C RO
D HO
E RBI

4. SBLC shall be issued initially for a period of --- years and shall be renewed after every----
years as per the requirement within the overall sanctioned tenor.
A 1 Yrs 1Yrs
B 2Yrs 2Yrs
C 3Yrs 3Yrs
D 4Yrs 4Yrs
E 5Yrs 5Yrs

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 5. SBLC for long Term Export Advance can be issued for maximum
A 5 Yrs
B 3Yrs
C 2Yrs
D 1Yrs
E 10Yrs
6. Format for reposting Non Fund based credit facilities
A Form 16
B Form 13
C Form 11
D Form 12
E Form 10
7. Form AR 3013 and 3014A are meant for
A Reporting loans sanctioned during month
B Reporting non fund based credit facilities
C Reporting overdues in loan accounts
D Reporting lockers issued during year
E Reporting debit balance allowed in CASA and exceeding allowed in OD
8. Register AB 1026 meant for
A Loans sanctioned and disbursed during month
B BG/LC issuied during month
C Debit balance in CASA and exceedins allowed in OD
D Locker rent due statement
E Insurance Register

9. In case of non-payment of the bill, issue notice of dishonour in form

A OF-1819 (OG 65
B OF -1850 (OG 68
C OF-1896(OG 70
D OF-1896(OG 75

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 E OF-1845(OG 78
10. At the end of the day, we have to prepare a day book voucher in ------ for the total
amount of the bills discounted, realized/returned, discount/commission and postage. 
A OG 58
B OG 60
C OG 167
D OG 66
E OG 65
11. As per RBI‟s revised guidelines Banks may add Stamp Duty, Registration Charges and
other Documentation Charges to the cost of the House/Flat/ Dwelling unit for the purpose of
calculation of LTV Ratio where the cost of the house/dwelling unit does not exceed ----
Lakhs (98/2015/BC
A 20 Lakh
B 25 Lakh
C 15 Lakh
D 10 Lakh
E 30 Lakh
12. Under Syndkuteer scheme maximum loan to EWS and LIG
A 6 Lakhs and 12 Lakhs
B 5 Lakhs and 10 Lakhs
C 4 Lakh and 8 Lakh
D 7 Lakh and 11 Lakh
E 8 Lakh and 16 Lakh
13. Minimum and Maximum loan amount under Synd Vidya loan scheme is
A 5000 150000
B 4000 120000
C 6000 200000
D 7000 150000
E 6000 150000

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 14.Ministry of Rural Development Scheme ,GOI has launched NRLM National Rural Lively
Hood Mission by restructuring
A.Pradhan Mantri Rozgar Yojana
B.Integrated Rural Development Scheme
C.DeenDayal Upadhyay ShahriRojgar Yojana
D.Pradhan Mantri Emploment Generation Programme
E. Swarnjayanti Gram Swarojgar Yojana
15. For filing recovery suit in DRT eligibility criteria, minimum exposure should be
A 05 Lakh
B 25 Lakh
C 15 Lakh
D 10 Lakh
E 30 Lakh
16. Hurdle rating for Takeover accountsfor financing against Rent Receivable& MSME
borrowers, is
A Synd 4
B Synd 3
C Synd 5
D Synd 6
E Non of above
17. Threshold limit of our Bank‟s share for Consortium participation in respect of new
business should not be less than --- or ₹15.00 Crores (whichever is higher).

A 10%
B 15%
C 20%
D 25%
E 30%

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 18.Minimum rating for subordinated debt
A Synd 3 and above
B Synd 4 and above
C Synd 5 and above
D Synd 6 and above
E Not applicable
19. Branches/Offices shall make use of Appraisal Format AF ----- for working capital credit
facilities up to ₹2.00 Crores.
A AF 575 R
B AF 576 R
C AF 580 R
D AF 651 R
E AF 404 R
20. Appraisal in respect of ₹2.00 Crores and above proposals shall be made in the revised
format AF
A AF 576 R
B AF 580 R
C AF 575 R
D AF 651 R
E AF 404 R
21. List of signs of incipient stress includes.
A Delay of 90 days or more in submission of stock statements.
B Other stipulated operating control statements .
C Credit monitoring and financial statements
D Non renewal of facilities based on audited financials
E All of above

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 22.List of signs of incipient sickness in borrowal accounts includes
A Actual sales/operating profits falling short of projections accepted for loan sanction by 40% or
more.
B Single event of non cooperation/prevention from conduct of stock audit by banks.
C Reduction of drawing power by 20% or more after stock audit.
D Evidence of diversion of funds.
E All of above
23.What are the signs of incipient stress in borrowal accounts?
A Return of 3 or more cheques (or electronic debt instruments) issued by borrowers in 30 days
on grounds of non availability of balance/DP.
B Return of 3 or more bills/cheques discounted.
C Devolvement of Deferred Payment Guarantee(DPG) instalments or Letters of Credits
D Invocation of Bank Guarantees and its non payment within 30 days.
E All of these.
24. What are the signs of incipient stress ?
A Third request for extension of time either for creation or perfection of securities as against
time specified in original sanction items or compliance with other terms and conditions.
B Increase in frequency of overdrafts in current accounts.
C The borrower reporting stress in the business and financials.
D Promoter(s) pledging /selling their shares in the borrower company due to financial stress.
E All of these.
25. Committees for stressed MSMEs at RO loan /limits level will examine corrective action plan
for
A Above 25 Lakhs upto 25 Crore
B Above 50 Lakhs upto 25 Crore
C Above 1 Cr upto 25 Crore
D Above 10 Lakhs upto 25 Crore
E Above 1 Crore upto 10 Crore

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26.Crop production loans are available at a very low rate of interest of
-------------- upto limit of Rs
A 7% 5 Lakh
B 7% 4 Lakh
C 4% 3Lakh
D 7% 3 Lakh
E 5% 3 Lakh
27.Maximum loan per JLG is restrictedto for crop productionRs------Lakh in form of SKCC and
------Lakh per JLG for other Agriculture Term Loans and allied activities.
A 3 Lakh 5 Lakh
B 2 Lakh 4 Lakh
C 4 Lakh 6 Lakh
D 5 Lakh 10 Lakh
E 6 Lakh 10 Lakh
28. Ceiling for pledge loans within the purview of Farm Credit stands enhanced to Rs ----------
Lakhs
A 25 Lakhs
B 30 Lakhs
C 40 Lakhs
D 35 Lakhs
E 50 Lakhs
29. Application Forms for advance against deposits is
A AF 651
B AF 456
C AF 413
D AF 455
E AF 404

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30 Application for staff housing loans is
A AF 672
B AF 673
C AF 571
D AF 572
E AF 614 a
31. Application /Required Forms for Solvency Certificate
A AF 571,AF 455,ADV 80A
B AF 571 ,AF 414 ADV 80A
C AF571,AF 565 ADV 80A
D AF571 AF 656 ADV 80A
E AF571,AF656,ADV 80A
32.NBFC Non Banking Financial Companies registered with -----
A:Department of Banking affairs with Finance Ministry
B Department of Economic affairs with Home Ministry
C Department of Revenue with Finance Ministry
D Department of Company affairs with Finance Ministry
E Department of Banking Supervision with RBI
33.All NBFCs with exposures of Rs 10 Cr and above working capital assessment may be based
on ----------------------------
A Simplified Method
B Turn over Method
C EWCL Method
D Cash budget method
E Cash Budget or EWCL Method
34. Working Capital assessment computed on the basis of 25% of projected annual turnover for
MSE borrowers up to Credit limits---------------for both new and existing loans.

A Above 4 Crore
B Above 5 Crore
C Above 10 Crore
D Above 15 Crore
E Above 2 Crore

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35. Book debts older than --------days can not be financed.
A 60 Days
B 75 Days
C 100 Days
D 90 Days
E 120 Days
36.Under Syndvahan Scheme for old 4 wheeler minimum margin for 4 wheeler old above 4
years to 5 years is
A 40%
B 45%
C 30%
D 25%
E 50% a
37.An amount of ₹100/- + ST is to be borne by the student instead of ₹250/- + ST as
enrollment/service charge for all the applications routed, sanctioned and disbursed by the
Branches through VidyaLakshmi Portal with effect from 01.10.2017
A Rs 50/-
B Rs 150/-
C Rs 125/-
D Rs 175/-
E Rs 100/-
38.Maximum limit for gold loan for business purpose is
A Rs 25 Lakh
B Rs 30 Lakh
C Rs 20 Lakh
D Rs 10 Lakh
E Rs 15 Lakh

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39 Quantum of loan under Synd solar with 75% cost of project is------------ maximum
A Rs 375000
B Rs 300000
C Rs 225000
D Rs 150000
E Rs 450000
40. To provide credit facility for Installation of Rainwater harvesting unit. The quantum of loan is
75% of the estimated cost as per the unit cost with a maximum of ₹-----------/-
A 185000
B 225000
C 175000
D 190000
E 135000
41 .Udyamitra portal has been developed by
A NABARD
B IDBI
C GOI
D RBI
E SIDBI
42 The Govt of India has decided to put into effect the Viability Funding Gap (VGF)Scheme for
providing financial support to bridge the viability gap of infrastructure Projects undertaken
through
A Public Private Partnership
B Public Sector Undertaking
C Private Sector Undertaking
D Joint Venture Undertaking
E Joint Venture with Foreign Collaboration

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43 Under VGF(Viability Funding Gap) a revolving fund of Rs --------Crores will be provided by
finance ministry to Empowered Institution.The Empowered Institution shall disburse fund to the
respective lead financial institution and claim reimbursement from the ministry of Finance
A 500 Crore
B 400 Crore
C 300 Crore
D 200 Crore
E 100 Crore
44.There are ------ types of Inter Bank Participation Certification Certificates
A Inter Bank participation with Risk Sharing
B Inter Bank participation without risk Sharing
C Only A
D Only B
E Both A & B
45.Annual Rating /Review is not required for
A Synd Niwas
B SyndSaral
C SyndVahan
D Synd Connect
E All of These
46 Annual review/Rating is not required for
A Synd Senior
B Synd Delight
C SyndKuteer
D Education Loan
E All of these
47 Annual Rating is not required upto one crore in case of

A Synd Mortgage
B Synd MSE
C Synd Rent
D All of these
E None of these

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48 Annual Rating is not required for loan upto in respect of Synd Niwas SyndSaral,
SyndVahan, SyndConnect,Synd Senior Synd Delight SyndKuteerEduication Loan Agriculture
Loan ,Synd Mortgage SyndRentSynd MSE
A 2 Crore
B 3 Crore
C 4 Crore
D 5 Crore
E 1 Crore
49 In MSE loans insurance may be waived upto loans for Rs
A 50000
B 25000
C 75000
D 100000
E Gold Loan
50 Loan Scheme for Business and Consumption purpose both is
A Synd Mortgage
B Gold Loan
C Synd Rent
D Synd Niwas Plus
E All of these
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ANSWER KEY

1 2 3 4 5 6 7 8 9 10
B A A B E C E A A C
11 12 13 14 15 16 17 18 19 20
D B A E D C A A B B
21 22 23 24 25 26 27 28 29 30
E E E E D D D E D E
31 32 33 34 35 36 37 38 39 40
C E E B D E E C A A
41 42 43 44 45 46 47 48 49 50
E A D E E E D E A E

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