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Bank’s Promotion Exam – Question Set – MSME Part 2

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Bank’s Promotion Exam – Question Set – MSME Part 2

We are giving you Part 2 of MSME.

Friends, when we study some topic and didn’t revise it, we forget them in a day or two. To memorize the concept, repeated revision of topic is necessary.

This free question paper set has been made keeping in mind to make you remember important points about a topic which can be asked in upcoming promotion exam. I would suggest to utilize this free question paper set in following way.

  1. After studying the topic, go through the questions and attempt it.
  2. If you are not knowing the answer, guess it and right option will be shown instantly with green background.
  3. This way you will know right answer instantly.
  4. Go through whole question bank of almost 50 questions and see your result.
  5. Don’t be de-motivated if score is less for the first time.
  6. Positive thing is that you have covered 50 important points about the topic.
  7. Attempt for the 2nd time and see the difference.
  8. And in 3rd attempt, you will be in position to score more than 95% and you will have good grasp of the topic.

Best Wishes…

Results

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#1. Credit outstanding under which of the following schemes cannot be considered as loan given under MSME?

#2. Overdraft given under Pradhan Mantri Jan Dhan Yojna shall be considered to qualify for targets under lending to Micro Enterprises. State True or False?

#3. ........... of Adjusted Net Bank Credit or Credit Equivalent Amount of Off Balance Sheet Exposure whichever is higher should go to Micro Enterprises?

#4. Bank cannot accept any collateral security in case of loans upto Rs _____ lacs extended to MSE units?

#5. Bank can dispense off the requirement collateral security in PMEGP loans upto Rs _____ lacs based on the good track record and financial position of MSE units?

#6. Promoters of MSME units which are stressed i.e. SMA 2 and NPA accounts as on _______ and are eligible for restructuring as per RBI guidelines and can become commercial viable as per assessment of the bank are eligible under Credit Guarantee Scheme for Subordinate Debt?

#7. For accounts to be eligible under Credit Guarantee Scheme for Subordinate Debt it should be in standard category as on _______?

#8. Promoters of MSME units shall be given credit equal to ____% of promoter's stake or _____ lacs whichever is lower under Credit Guarantee Scheme for Subordinate Debt?

#9. What is the maximum cost of project for margin money subsidy for manufacturing sector under PMEGP?

#10. What is the maximum cost of project for margin money subsidy for Service sector under PMEGP?

#11. Applicant's Aadhar Number is preferable under PMEGP scheme. State True or False?

#12. What is the rate of subsidy for general category in a rural area for setting up of new micro enterprise under PMEGP Scheme?

#13. What is the rate of subsidy for special category in a urban area for setting up of new micro enterprise under PMEGP Scheme?

#14. What is the rate of subsidy for special category in a rural area for setting up of new micro enterprise under PMEGP Scheme?

#15. What is the beneficiary's contribution for general category in a rural area for setting up of new micro enterprise under PMEGP Scheme?

#16. What is beneficiary's contribution requirement in terms of project cost for 2nd loan given for upgradation of existing PMEGP unit under PMEGP Scheme?

#17. Subsidy of ______% is to be provided to the eligible SC-ST MSEs of manufacturing as well as service sector under NSSH on institutional finance up to Rs. 1 Cr for procurement of plant & machinery / equipment under PMEGP Scheme?

#18. CGTMSE scheme came into force on ................. as CGFSI Scheme and was renamed as CGTMSE scheme upon enactment of ............ Act?

#19. What is the fullform of CGTMSE?

#20. For Scheduled Commercial Banks the trust cover credit facility not exceeding ............... for a single eligible borrower under CGTMSE?

#21. For Regional Rural Banks the trust cover credit facility not exceeding ............... for a single eligible borrower under CGTMSE?

#22. For loans sanctioned upto and on 31.12.2012 personal guarantee of the director(s) would be treated as third party guaranteeunder CGTMSE. State True or False?

#23. For loans sanctioned on and after 01.01.2013 Personal Guarantee of sole proprietor partners in case of partnership/limited liability partnership Trustees in case of Trust Karta & Co-Parceners in case of HUF and promoter directors in case of Private/Public Limited Companies is to be treated as third party guarantee under CGTMSE. State True or False?

#24. Which of the following is/ are excluded from CGTMSE cover?

#25. Loans upto ........... Sanctioned to M&SE eligible under the scheme are to be covered under CGTMSE mandatorily?

#26. In case where loan is above Rs 50.00 lacs discretion to cover the eligible loans under CGTMSE lies with ..............?

#27. Which of the following credit facilities are not eligible for cover under CGTMSE?

#28. What is the annual guarantee fees for loans sanctioned above Rs 5.00 lacs and upto Rs 50.00 lacs to women under CGTMSE?

#29. What is the annual guarantee fees for loans sanctioned under retail trade upto Rs 100.00 lacs under CGTMSE?

#30. Annual Guarantee fees is taken on the guaranteed amount for first year as well as the subsequent years of the remaining tenure for credit facilities sanctioned on or after 01.04.2018 under CGTMSE. State True or False?

#31. For loans sanctioned in month of April the application must be entered in the CGTMSE before expiry of which of the following quarter?

#32. Which of the following menu options has been customized in CBS for recovery of CGTMSE fees?

#33. What is the risk premium in case NPA is more than 5% and upto 10% of the guaranteed portfolio under CGTMSE?

#34. What is the risk premium in case claim pay out ratio is more than 10% and upto 15% under CGTMSE?

#35. What will be the Annual Guarantee Fees in case credit facility availed by the borrower is Rs 125.00 lacs?

#36. Under Hybrid Security Scheme of CGTMSE MLI can obtain both collateral security as well as CGTMSE cover for the unsecured part of credit facility maximum upto Rs ...............?

#37. For loans sanctioned above Rs 10.00 lacs and upto Rs 50.00 lacs who has the discretion to cover the eligible borrowers under CGTMSE Scheme?

#38. What is maximum extent of guarantee in case where loan sanctioned a micro enterprise is upto Rs 5.00 lacs under CGTMSE?

#39. What is the maximum extent of guarantee cover in case where loan sanctioned to a woman borrower or unit covered under North East Region is above Rs 5.00 lacs and upto Rs 50.00 lacs under CGTMSE?

#40. Lock in period is ......... months from either the date of last disbursement of the loan to the borrower or the date of payment of guarantee fee in respect of the credit facility to the borrower whichever is later under CGTMSE?

#41. In case of loans sanctioned on or after 15.03.2018 MLI can lodged claim with CGTMSE within ........ Years from the date of NPA or Lock in period?

#42. In case where loan was sanctioned on 01.12.2012 MLI can lodged claim with CGTMSE within ..... Years from the date of NPA or Lock in period?

#43. For settlement of claims an undertaking has to be signed by an authoirsed official of MLI who should not be below the rank of ................ under CGTMSE?

#44. Which of the following documents are required to be submitted in cases where credit guarantee claim is more than 20.00 lacs under CGTMSE?

#45. Where working capital alone is extended to the eligible borrower the guarantee cover shall be for a period of ......... years or a block of ............ years keeping maximum period of guarantee cover of ........... years or for such period as may be specified by the trust in this behalf under CGTMSE?

#46. Which among the following recovery proceedings should have been initiated in the loan account for lodgement of claim with CGTMSE?

#47. CGTMSE has to pay ............% of the guaranteed amount with in ...... Days subject to claim being otherwise found in order

#48. In case any recovery is made by the MLI subsequent to recovery proceedings initiated by it complete amount has to be submitted with CGTMSE. State True or False?

#49. What is the extent of guarantee cover in case where loan has been sanctioned to other category of borrowers except micro enterprises women and units covered in north east region and MSE Retail loan borrowers under CGTMSE?

#50. Credit cover under CGTMSE is available for 2nd Term Loan provided that the aggregrate limit doesnot exceeds Rs 200.00 lacs. State True or False?

Finish

 

 

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