MP CPG TEST 1

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MP CPG Test 1

Test your knowledge and expertise on financial programs and policies with our comprehensive MP CPG Test 1. This quiz consists of 63 multiple-choice questions designed to challenge your understanding of enterprise loans, collateral requirements, and borrower classifications.

Key Features:

Explore various financial concepts.
Assess your decision-making abilities.
Learn about different banking norms and practices.

63 Questions16 MinutesCreated by EvaluatingEagle321

1) In case of CA certified financials max limit can be proposed under Enterprise loan program ?

A) 10 Mn

B) 20 Mn

C) 4 Mn

D) 5 Mn

2) Applicant has provided Self-occupied residential land for OD limit under Enterprise loan, can same be accepted ?

A) Accepted

B) Accepted with NFA at RCH

C) Accepted with NFA at NCM

D) Not accepted

3) Can negative sales (sales return are higher than Sales) in any month be accepted in GST OD programme ?

A) No

B) Yes

4) Collateral cover for GSTOD programme for Industrial property should be.

A) 180% - Industrial property

B) 180% - Self Occupied industrial property

C) 140% - Industrial property

D) 140% - Self Occupied industrial property

5) Borrower is wilful defaulter with HDFC bank, case can be processed ?

A) Yes

B) Yes with NFA-One level higher

C) No

D) Yes with NFA-Head CPG

6) In case of Enhancement under Vyapaar Loan @ 90% LTV, what is the minimum track with ICICI Bank is required ?

A) 6 Month

B) 11 Month

C) 12 Month

D) 24 Month

7) XYZ is partnership firm having proposed for Rs. 10 Mn of OD under Enterprise loan having proposed TOL/ATNW of 4.7 times then case can be processed ?

A) Yes

B) Yes with NFA-One level higher

C) Yes with NFA-ZCM

D) No

8) What is the maximum BG tenor to Govt. Bodies can be offered Under BLG ?

A) 60 Months

B) 36 Months

C) 12 Months

D) 24 Months

9) XYZ Pvt Ltd has applied for the limit of Rs. 10 Mn under EL has statutory dues of Rs. 6000, then case can be processed without NFA

A) Yes, can be processed without NFA

B) No, NFA required

10) ABC Pvt Ltd is engaged in Jewellery segment has applied for CC facility of Rs. 60 Mn. Applicant has offered Self-occupied residential flat of Rs. 40 Mn & vacant residential plot of Rs. 20 Mn. Can same be processed for limit of Rs. 60 Mn.

A) Yes

B) No

11) XYZ - proprietorship is dealer of mobile phone as well as FMCG products. Out of Total TOI, 45% is from Mobile phone & remaining is from FMCG product. Is XYZ will classified under Caution profile ?

A) Yes

B) No

12) Customer has provided sanction letter older than 18 months from existing banker. Bank Track is GTR -67. Same can be accepted ?

A) Yes with NFA-One level higher

B) Yes with NFA-Sanctioning authority as per CAAM

C) Yes with NFA-ZCH

D) Not accepted

13) XYZ has applied for limit of Rs. 20 Mn under RCLP. Score as per scorecard of RCLP comes 59, Can case be processed ?

A) Yes with NFA

B) No

C) Yes

16) XYZ - partnership firm is classified under PSL norms. What is the maximum tenor of DLOD offered under Vyapar Loan programme?

A) 36 Months

B) 84 Months

C) 24 Months

D) 60 Months

18) Can Agricultural Land be accepted as collateral security?

A) Yes

B) No

C) Yes with NFA-RCH

D) Yes with NFA-Head-Retail Credit policy & NCM

19) If the ETR GTR score is 59, then what is the classification of the track ?

A) ETR

B) PTR

C) GTR

D) Can not be classified

20) What is the Collateral cover required in case of the GST OD in industrial property ?

A) 110%

B) 180%

C) 125%

D) 175%

21) ABD Ltd is trader and first time borrower. It has applied limit of Rs. 20.0 Mn. Can it be sanctioned under Vyapaar Loan Program?

A) Yes

B) No

C) Yes with NFA

D) Only Rs. 15 Mn can be sanctioned

22) Which of the following profile falls under Negative profile for funding?

A) Placement Agencies

B) Courier Companies

C) Real Estate Agents

D) All of the above

23) In which of the following programs vacant Land is not acceptable as collateral?

A) Enterprise Loan

B) Vyapaar Loan

C) Agri Credit Line

D) Enterprise credit

24) As per property guideline, which property covered under Negative property Category A?

A) Schools/Hospitals/Hotel

B) Rented Industrial property

C) Industrial Land

D) Lal dora properties

25) ABC Limited has applied for Rs. 50 Mn CC under Enterprise Credit Program. Is stock audit required to be conducted for ABC limited.

A) Yes

B) No

26) What is maximum tenure for which DLOD can be given under Enterprise Loan Program?

A) 36 months

B) 60 months

C) 72 months

D) 48 months

27) Under GST OD program, what is collateral cover for Self-occupied Industrial Property?

A) 140%

B) 125%

C) 133%

D) 180%

28) Which of the property is not to be taken as collateral in case of MOD for loan against specialized properties?

A) Banquet halls/Marriage halls

B) Nursing homes having 40 beds

C) Warehouse property

D) marriage gardens with constructed area covering atleast 20% of land portion

29) Client has vintage of 3 years with ICICI Bank, and now approaching for enhancement in limit with collateral coverage of 111.11% in Vyapaar loan under which authority NFA is available?

A) ZCH from CPG and RH from RBG

B) Not available

C) RCH from CPG and RH from RBG

D) One level higher as per CAAM

30) ABC Limited has debtors of Rs. 50 Mn, bifurcation as follows : Rs. 42 Mn less than 6 months and Rs. 8 Mn over 6 months. Out of total debtors of Rs. 42 Mn less than 6 Months there are debtors worth Rs. 3.5 Mn which are more than 90 days old. Further client is having stock of Rs. 20 Mn and creditors of Rs. 15 Mn. Calculate Drawing power considering Margins of 25% on stock and book debts.

A) Rs. 32.625 Mn

B) Rs. 41.25 Mn

C) Rs. 35.25 Mn

D) Rs. 43.875 Mn

31) In case of Delay in interest/EMI more than 59 days but less than 89 days in term loan in BLG cases, As per exceptional guidelines for ETR/GTR NFA can be obtained at which level?

A) DGM and above

B) RCH & above

C) CMII or above

D) None of the above

33) Under MOD program, Unsecured loan availed from various NBFC is not to be included while calculation of FOIR?

A) Loan with less than 12 Emi pending

B) Loan proposed to be closed prior to disbursement

C) Both A & B

34) ANC limited is Provident fund liability of more than Rs. 10000 outstanding & proposal is for Rs. 18 Mn. NFA for the same can be approved at _______

A) ZCM or above

B) ZCH or above

C) Sanctioning authority

D) DGM or above

35) Collateral coverage required for Rented residential property under multiple banking in GST OD Program

A) 125%

B) 150%

C) 200%

D) 180%

40) Maximum Limit based on CA certified financials under EL/Jet OD that can be funded?

A) Rs. 2.5 Mn

B) Rs. 4 Mn

C) Rs. 5 Mn

D) Rs. 10 Mn

41) In TBR, if any case name not available in ATR (Automated Track Record), TBR will be sanctioned at which level with manual ETR/GTR sheet ?

A) DGM – DGM from RBG & CPG

B) AGM – AGM from RBG & CPG

C) Product Head (DGM & above) from RBG & Policy Head (DGM & above) from CPG

D) Product Head (DGM & above) from RBG & Official from CPG (DGM & above)

44) In how many maximum days the entire process of CAL issuance, acceptance, receipt and corresponding documentation should be completed else sanction will be lapses.

A) 120 days

B) 150 days

C) 180 days

D) 110 days

45) In MOD Program, CA Certificate for End usage is mandatory in cases above ________

A) Rs 10 mn

B) Rs 20 mn

C) Rs 30 mn

D) Rs 25 mn

46) In Term loan BT cases - When original invoice as provided to existing banker is not mandate for validation of end usage

A) Vintage with existing banker is 6 months or more

B) Vintage with existing banker is more than 6 months

C) Vintage with existing banker is 1 year or more

D) Vintage with existing banker is more than 1 year

48) Cover period of receivables consider for dp calculation can be increase more than 90 days but upto 180 days for BBB- rated borrower with approval of DGM business & Zonal Head from CPG.

A) True

B) False

49) Time Lag between 2 stock statements should not be more than of _______

A) 12 months

B) 14 months

C) 15 months

D) 6 months

50) In MOD, two technical valuation will be required when

A) Loan amount is more than Rs 20 mn in non metro locations & Rs 30 mn in metro locations

B) Property value is more than Rs 20 mn in non metro locations & Rs 30 mn in metro locations

C) Loan amount is more than Rs 10 mn in non metro locations & Rs 20 mn in metro locations

D) Property value is more than Rs 10 mn in non metro locations & Rs 20 mn in metro locations

51) In MOD cases, we are funding to Partnership firm M/s AB in which Mr A & Mr B are partners. Mr B is also partner in M/s CD & getting profit from M/s CD partnership firm. Whether we can consider proft received from M/s CD Firm reflected in Mr B ITR without taking corporate guarantee of M/s CD Partnership Firm.

A) Yes

B) No

52) Below properties can be accepted as collateral in MOD

A) Lease hold Industrial property

B) Rented Industrial Property

C) Cold Storage Property

D) None of the above properties can be accepted as collateral in MOD

54) While funding to domestic jewellery manufacturer, how many minimum margin % required?

A) 12%

B) 10%

C) 8%

D) 15%

55) Maximum tenor for pre shipment + post shipment facility combinally should not exceeds _________

A) 180 days

B) 270 days

C) 320 days

D) 360 days

56) Customer is having "Settlement" status with I-Bank in Liability products of the bank then whether it will be covered under Go-No Go parameters ?

A) Yes

B) No

57) In case Bank statements are more than 45 days old as on the date of log in CPG, Is there any NFA available and if Yes then which are the authorities ?

A) Sanctioning authority as per CAAM

B) No NFA allowed

C) One level higher as per CAAM

D) BLG/RBG (CMII or Above) and CPG (CMII and above)

58) Proposed exposure of client is Rs.54Mn and track of existing CC/OD account is PTR can we go ahead with case, select most preferable option as given below ?

A) Can merge track of CA and CC/OD account as per PTR exceptional Guidelines and go ahead

B) Require CRMG approval and PTR exceptional guidelines are not applicable

C) No-Go

D) Can sign off via BLG/RBG Zonal Head (AGM or Above) and CPG RCH (CMII and above)

59) Customer is having business of Polutry Farming having vintage more than 5 years, can we fund the captioned customer?

A) Yes

B) No

C) Yes, With NFA at sanctioning authority as per CAAM and limit upto Rs.10Mn

D) Yes, With NFA at one level higher authority as per CAAM and limit upto Rs.10Mn

60) While calaculating BBS which of the following limit to be excluded ?

A) PCFC

B) Performance BG

C) LAP DLOD

D) EPC

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MP CPG TEST 1

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