Smart Top Up Variant
Smart Top Up Variant Quiz
Test your knowledge about the Smart Top Up Variant with our engaging quiz. Designed for both existing and new customers, this quiz covers key aspects like eligibility, limits, and banking norms.
- Multiple-choice questions
- Learn about assessment limits
- Understand banking norms
Smart Top up variant is available for following customers
Existing customers with 12 months vintage with I-Bank
Score > 70
Both a and b
All customers with both fund and non fund based facility
Maximum amount under Smart Top up variant
Rs.1 million
Rs.1.5 million
Rs.2 million
Rs.2.5 million
Sales can be validated with following documents
Latest audited financial
Gst returns for last 12 months
Credit inflows in account for last 12 months
All of the above
Total exposure of borrower not to exceed
Rs. 50 million
Fund based exposure of Rs. 50 million
Rs. 30 million
No limit
Following banking norms applicable for smart top up variant
Track to be ETR
Peak interest delay not to exceed 15 days in last 12 months
TOD not to be availed
All of the above
Assessment of limit will be _ % of existing limit
20%
15%
10%
None of the above
All BLG program norms are applicable for Smart Top up variant except
NFA for single customer
NFA for projected sales/NCA growth > 25%
Both a and b
None of the above
TOD already taken to be reduced from limit assessed
True
False
Collateral cover required for smart top up limit
100%
110%
85%
Additional collateral not required
Utilisation as on 16/12/2019 should be
Less than 85%
Maximum 50%
No limit
More than 90%
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