CPBM Questions 1 - 900 Revised1

CPBM QUESTIONS 1 - 900
Sl.No. Question TOPIC ANSWERS

1 Which of the following is not a positive factor for Indian Economic Scenario Vol 1 Global economy is showing signs of recovery, led primarily, by advanced economies. Growth is not evenly BM GERENER VOLUME II
Indian Economy and Banking Sector? Chapter 1 spread, as it remains fragile in some of the emerging markets. Global trade is still under pressure impacting the
exports of Emerging Markets. As regards India, GDP growth increased to 7.2% in Q3FY18 from 6.3% in Q2FY18,
indicating that the negative impact of demonetization and GST has tapered off. This growth was led by
manufacturing, electricity & other utility services, followed by trade, hospitality, transport & communication, as
well as agriculture. As per the latest RBI estimates, India is likely to record 6.6% growth in GDP during FY18 and
7.5% in FY19.
2 When Maruti Swift and Hyundai i10 competes with Auto Loans HEALTHY COMPETITION
each other, it is known as ……………. Competition.
3 Ms Ratna & Ms Shobha are teachers in a local Delhi AUTO LOANS CAR LOANS UP 6 LACS RS.1000+GST , AND ABOVE 6 LACS 1500+ GST INTEREST RATE IS DEPENDING UP ON CIBIL 97 OF RETAIL CREDIT II
Public School. Both of them approached you for SCORE ABOVE 750 CIBIL SCORE 3% ABOVE 2Y MCLR AND 650 TO 749 4% ABOVE 2YR MCLR
buying the same variant of Maruti Swift. Ms Ratna
takes a car loan of Rs. 6 lac and Ms. Shobha takes a car
loan of Rs.5.50 lacs. However, Ms Ratna gets a lower
interest rate than Ms. Shobha and Ms. Shobha is
unhappy about it. What could be the possible reason
of difference in interest rate given they are buying the
same vehicle at the same time?
4 Branches need to verify ........................(Application AUTO LOANS 1. In the cases of frauds that surfaced in car loans, it was observed in most of the cases the officials have
for Registration Certificate of vehicle) before signing it collected photocopy of papers relating to KYC and income proofs but did not scrutinize its contents to test its
and ensure that particulars viz. name, permanent authenticity.
address, PAN, vehicle description, Bank's (ii) Documents accepted for proof of identity should be verified through internet using website of
hypothecation charge, etc. tally with the de public/concerned authority wherever such information is available online. Aadhar, Voter ID and Electricity Bills
in some places can be verified in the website.
(iii) PAN, TAN, GST Registration Number, TIN& TDS can be verified in the concerned website. The car loan
processing official and /or sanctioning official is to verify these and use the findings to i) Statement of Bank
account of the borrower for last 6 months
ii) Proof of Identity: - (any one of the following) - Aadhar Card ( both as Identity and Address proof) /Passport
copy/ PAN Card/ Voters ID card/ Driving Licence etc.
iii) 2 passport size photographs of borrower
iv) Income Proof: - Latest salary slip with form 16.
v) Address Proof:-(any one of the following) Aadhar Card ( both as Identity and Address proof/Driving
Licence /Voters ID Card/Passport Copy/Telephone Bill/ Electricity Bill/Life Insurance policy.
vi) I.T. Returns/Form 16 for the last 2 years. ( It is not necessary to obtain both I.T return and Form-16 from the
applicant). Relaxation may be permitted by obtaining ITR/Form 16 for 1 year by one step higher sanctioning
officer, provided they are satisfied about the genuineness of source, amount and continuity of income and
repayment capacity of the borrower over the loan tenor. In all such cases the basis for income verification
should be properly recorded on the loan appraisal in Note pad.
5 In Sashi's CIBIL report there are DPDs (Days past Due) AUTO LOANS IN THIS CASE MR. SASHIS PREFERED FOR ASSURED CAR LOAN. CIBIL SCORE LESS THAN 600 IS ALSO ELIGIBLE . 108 OF RETAIL VOLUME II
appearing in the repayment history of his car loan as EXISTING CUSTOMERS WITH UNENCUMBERED FIXED DEPOSITS. MIN. 2 LACS MAX. NO LIMIT . ELIGIBLE 100%
well as there is some overdue. His car loan is from one OF FD FOR ON ROAD PRICE OF VEHICLE REPARYMENT IS 3 TO 7 YEARS.
NBFC and he has been very regular in his repayment.
Sashi is an existing customer of your Branch and wants
help from you. How can you help him?
6 Which of the following statements is incorrect AUTO LOANS 1.Below 21 years and Above 65 years old indiduals eligible in this scheme 2.More than eight years old 109 RETAIL CREDIT VALUME II
regarding Certified Pre-owned Car Loan Scheme? vehicle eligible in this scheme 3. All branches eligible for disbursed Cetified Pre-owned
Car loan scheme. 4.Loan Amount is Below 1 lac and above 5 lakhs .
5.Take over loan to be considered. 6.Processing fee is not to be
recovered on the loan amount .
7 Which of the following is NOT correct regarding SBI AUTO LOANS 1. The scheme is not applicable to businessmen, professionals & self Employed and Agriculturistws under Tatkal 116 RETAIL CREDIT VALUME II
Car Loan Lite Scheme? Tractor Scheme who are engaged in economic activity with gives them in come but have no proff of income
2. Adhra card of the borrower should not be mandatory 3.Age below
21 and above 65 years are elibible 4 LTV Raio below 75% of On Road price
4.Maximum Loan amount is above 4.00 lacks
5. Customer must have SB/CA in the name or his bsiness entity name for below 2 years are eligible 6.
Borrower Proof activity will not be ensured and not verified
7. Borrower CIBIL SCORE of 700 & above if residing in own/parental house, 650 &
above if not residing in own/parental house 8. Maximum loan tenor is 6
years.
8 Take-over of Car Loans is AUTO LOANS Takeover of car loans will be considered selectively following conditions: 98 RETAIL CREDIT VOLUME II
(a) the vehicle is not more than 2 years old
(b) it is a single ownership vehicle
(c) no insurance claim has been availed and
(d) The account of the borrower with the other bank is a Standard Asset i.e. all repayments have been made as
per terms of sanction of the original financier.
The loan should be repaid within 7 years from the date of the original purchase of the vehicle.
In case of the takeover of the car loans of Rs. 5 lakhs and above, from other banks/NBFCs the DGM (B & O) and
Network Head can give discretion to waive processing charges up to 50% and 100% respectively.
9 Which of these statements is not correct regarding SBI AUTO LOANS 1. The scheme is not applicable to businessmen, professionals & self Employed and Agriculturistws under Tatkal 116 RETAIL CREDIT VOLUME II
Car Loan Lite scheme Tractor Scheme who are engaged in economic activity with gives them in come but have no proff of income
2. Adhra card of the borrower should not be mandatory 3.Age below 21
and above 65 years are elibible 4 LTV Raio below 75% of On Road price
4.Maximum Loan amount is above 4.00 lacks
5. Customer must have SB/CA in the name or his bsiness entity name for below 2 years are eligible
6. Borrower Proof activity will not be ensured and not
verified 7. Borrower CIBIL SCORE of 700 & above if residing in own/parental house, 650 &
above if not residing in own/parental house 8. Maximum loan tenor is 6
years.
10 In case of Car Loans, copy of Insurance policy for the AUTO LOANS 96 RETAIL CREDIT VOLUME II
1st year is to be obtained and retained with the loan  A copy of Insurance policy for 1st year to be obtained and retained with the loan documents. Borrower is
documents and for subsequent years, it is not required expected to keep the vehicle insured. But the subsequent years, copy of insurance policy with Bank’s interest as
to be obtained from the borrowers. This is true in case hypothecatee may not be obtained. Operating officials may endeavour to obtain the same if account becomes
of___________. NPA.
 The above relaxation in instruction pertaining to insurance is not applicable to auto loans for Rs.20 lac and
above
11 A customer of 72 years of age approaches you for a car AUTO LOANS ASSURED CAR LOAN
loan. He has substantial deposit amount in your
Branch. Which product will you recommend?
12 If a Car Loan is 'Standard', which statement is correct AUTO LOANS CURRENT INSURANCE POLICY IS ENOUGH.
regarding instructions pertaining to obtention of
current Insurance policy?
13 An NRI of 66 years has approached for a car loan at AUTO LOANS No atleast 2 years experience job contract.
branch. He is working abroad for last 1 year and have a
valid job contract having a passport. His monthly NMI
is $1000.00. Can we sanction a car loan to him?
14 The New Car loan scheme car Loan Lite is mainly for AUTO LOANS NO
no income proof customers. As per the scheme the
following point is incorrect
15 In case of Car Loans, what are the income documents AUTO LOANS The Net Annual Income will be arrived at based on
16 required
Which of to
thebefollowing
obtainedstatements
from an applicant whose
is not correct AUTO LOANS the nature of the activity, land holding, cropping pattern, yield etc. Other than the agricultural income, the borrower should have additional income stream sufficient to
NO LIMIT
income is only
regarding from agriculture
maximum loan amount activity.
under Car Loans? take care of monthly installments. A format has been designed for computation of income for the use of operating units to facilitate easy sanctions to this category of
customers.
In case of agriculturists, other than the agricultural income, the borrower should have additional income stream sufficient to take care of monthly instalments.
17 The maximum time schedule for receipt of application AUTO LOANS 2 days
and sanction/disbursal of Car Loan is
18 The vehicle purchased is to be kept comprehensively AUTO LOANS ONE YEAR ONLY .
insured in the name of the borrower for the ........... or
at least ...........above the loan amount outstanding,
whichever is higher
19 Which of these statements is NOT correct regarding AUTO LOANS

NRI Car Loans?
20 For existing customer, Pre-sanction survey and KYC can AUTO LOANS Waived
be waived in case of Car Loans if the address of the
customer has not changed and he is a
21 We may also reimburse finance for the cars purchased AUTO LOANS CPBM QUESTIONS 1 - 900 Page 94
out of own funds which are not more than.........old more than 3 months old
22 The minimum loan amount eligible under Car Loan AUTO LOANS 3lakhs 106
Overdraft Scheme is
23 The maximum loan amount under 'SBI Car Loan Lite' AUTO LOANS 4lakhs 115
scheme is
24 Which of these statements about 'Assured Car Loans' AUTO LOANS FD BORROWER ONLY 106
is NOT correct.
25 Bikes with engine capacity of ..................or more are AUTO LOANS 500CC 112
considered Super Bikes in case of High Value Super
Bike Loans.
26 Which of these is not a necessary condition for an AUTO LOANS ONLY HOUSING LOAN BORROWERS CAN AVAILE THIS LOAN 104
applicant to become eligible under Car Loan Loyalty
Scheme?
27 For assessment of a car loan application, Income Tax AUTO LOANS FD BORROWER ONLY 106
Returns/ Form 16 are not required from which
category of customers?
28 Income of ....................may be included for arriving at AUTO LOANS BLOOD RELATION 85

the loan eligibility for Car Loans.
29 Women borrowers are offered a concession of......... in AUTO LOANS 5BPS 87
the interest rates in Car Loans.
30 Maximum concession available in interest rates for car AUTO LOANS 30BPS 88
loans for Rs. 20 Lacs and above is
31 In case of Car Loans, Circle CGMs can also exercise the AUTO LOANS
discretionary powers of 30 bps to bulk business The Bulk business will be minimum of 20 Car Loans with gross value of Car Loans amount of Rs 1 Cr and above,
provided emanating from a single source of entity i.e. from organization / unit etc.
(ii) The concessions will be applicable to purchase new cars only.
(iii) For Car Loans upto Rs 5 Lacs, CIBIL score must be 700 & above and for car loans above Rs.5 Lacs, CIBIL and
2nd CIC score (each) must be 700 & above.
(iv) Dealer commission should be saved as much as possible and it should not be paid on direct sourcing.
(v) The other terms and conditions applicable under regular car loan scheme will hold good to individual
borrowers under bulk proposals.
(vi) The efforts should be made to increase the number of products per customer and for diversification of
income.
(vii) No further concession in interest rates is available to the customers who are covered under the Corporate
Salary Package or Credit Khazana.
The discretionary powers to permit concession in rate of interest to Car Loan of Rs. 20 lac and above, would
also be applicable along with interest rates linked to CIC scores i.e., both concessions can be given to the
customers as applicable to (i) CIC scores, (ii) concessions in rate of interest permitted by the
32 To avoid perpetration of frauds in Car Loans, AUTO LOANS Documents accepted for proof of identity should be verified through internet using website of
suspicious/ ineligible Car Loan proposals should be public/concerned authority wherever such information is available online. Aadhar, Voter ID and Electricity Bills
in some places can be verified in the website.
(iii) PAN, TAN, GST Registration Number, TIN& TDS can be verified in the concerned website. The car loan
processing official and /or sanctioning official is to verify these and use the findings to
33 RTO Form of Notice of Transfer of Ownership of a AUTO LOANS FORM 29

Motor Vehicle is
34 Which of these statements is correct regarding transfer AUTO LOANS Standard assets can be transferred from one Branch to other Branch at the request of the borrower
of Car Loan accounts from one branch to another?
35 Takeover of car loans can be considered selectively AUTO LOANS (a) the vehicle is not more than 2 years old
where (b) it is a single ownership vehicle
(c) no insurance claim has been availed and
(d) The account of the borrower with the other bank is a Standard Asset i.e. all repayments have been made as
per terms of sanction of the original financier.
The loan should be repaid within 7 years from the date of the original purchase of the vehicle.
36 In case of NRI Car Loans, the Resident Indian who will AUTO LOANS GUARANTOR
join the loan with the NRI will be a..........in the loan.
37 .......................Margin is stipulated on On-Road price AUTO LOANS NIL. Since we are prescribing margin on value of property, we do not stipulate margin on on-road price of the
of the vehicle in case of Loyalty Car Loans. vehicle
38 In case of Certified Pre-owned Car Loans, valuation of AUTO LOANS The major car manufacturers that have established such certified Pre-owned car outlets through their dealer
the Cars will be arrived at with the help of network only to be financed like Maruti True Value, Honda Auto Terrace, Hyundai Advantage ( now called H
Promise), Tata Assured, Ford Assured, Toyota U Trust, Mahindra First Choice and BMW Infinity Cars.
39 The CIBIL Report of a Car Loan applicant shows a non- AUTO LOANS REJCECT
credit card account as settled. The application should
be
40 The New Car loan scheme car Loan Lite is mainly for AUTO LOANS
customers who do not have income proof. As per the Minimum 3 years at the current residence
scheme, the following point is incorrect Must have a CIBIL score of 700 & above, if not residing in own/ parental House and 650 & above if residing in
own/parental house
Applicant must be carrying on activity for 5 years in case of businessmen and for 3 years in case of professional
& self- employed
Proof of activity will be ensured and verified
Physical visit to office/work place/shop will be ensured and feedback from few firms in the neighbourhood
obtained during pre-sanction survey to establish stability of activity.
No overdue at the time of application
 Must have a CIBIL score of 700 & above, if not residing in own/ parental House and 650 & above if residing in
own/parental house. In cases of No hit in CIBIL or poor score including 0,-1, 1 to 5, report from other CICs will
be considered, provided it scores 650 or above
41 In case of Loyalty Car Loans, extension of Mortgage AUTO LOANS extension of mortgage will not be mandatory for
will not be compulsory for Loans up to car loan up to Rs 10.00 Lacs (Modified vide Circular No.
NBG/PBU/AL- Auto Loan/17/2015-16 dated 11.06.2015)
42 What is the margin prescribed under SBI Loyalty Car AUTO LOANS NIL. Since we are prescribing margin on value of property,
Loan Scheme? we do not stipulate margin on on-road price of the vehicle.
43 A customer of your branch approaches you for a Car AUTO LOANS Auto Loans proposals with CIBIL Score of “-1” , “-0” or 1 to 5 (applicants with no credit history/ less than six (6)
Loan of Rs. 10.00 Lacs. However, he is not able to months credit history), will be turned down in case of category where minimum cut off score as above has been
provide any income proof since he is in the business of stipulated.
trading of Vegetables and does not file Income Tax
returns. He maintains a sizeable deposit of around
Rs.50.00 Lacs at your Branch (of which Rs. 15.00 Lacs is
in form of STDRs). His CIBIL Score is -1. How will you
entertain his request?
44 Rakesh Khurana, a young HNI customer of your Branch AUTO LOANS Yes can be Sanctioned in Super Bike Scheme (Net Profit or Gross Taxable income of Rs. 6 Lacs p.a. (income of co-
wants to purchase an 800 cc Harley Davidson Bike applicant can be
costing around Rs.15.00 Lacs. Rakesh's annual income clubbed together for Self-employed, Professionals and Businessmen) as per ITR after adding back depreciation
from all sources is Rs.10 Lacs and he has approched and deducting repayment of all existing loans. Business Income from other sources like bank interest/
you for a 2 wheeler loan of Rs.10.00 Lacs. Can a loan dividends of listed Companies, rent, agriculture income can be added subject to submission of proof )
for this 2 wheeler be sanctioned to him?
45 A customer approcahes you for a Car loan of Rs.5.00 AUTO LOANS Yes can be sanctioned and Loan repayment fixed to One year only
Lacs for purchase of a 7 year old Honda City Car worth
Rs.6.00 Lacs from Honda Auto Terrace, a dealer of
ceritified pre-owned cars in your city. The customer's
annual income is Rs.2.25 Lacs and his CIBIL score is
725. Can you sanction this loan?
46 You have come to know that Mr. Rajesh Kumar, a AUTO LOANS Cibil Score Above 750 will be Considered for 0.50 Below the Existing Car Loan Interest rate.
young businessman of 35 years of age, is going to
purchase an Audi Car for about Rs.24.00 Lacs and is
also looking for a Car Loan in this regard. Mr. Kumar,
having a CIBIL score of 825, is very particular about the
pricing of the loan and is looking for the best deal
amongst all the Banks he is dealing with. How would
you pitch our Car Loan to him keeping in view his
concerns about the pricing of the loan?
47 Shri Sameer Saran, a CSP customer of the Bank, has AUTO LOANS Rs.8,85,000/-( can be sanctioned to CSP account holderds extnded to 100 % of Cost of the Vehicle.)
approached you for a Car Loan for purchasing a Maruti
Ertiga Car, ex-showroom cost of which is Rs. 8.00 Lacs.
Road Tax and Insurance amounts to Rs.60,000 and the
costs of extended warranty and accessories are
Rs.25,000 and Rs.35,000 respectively. What is the
maximum loan that can be sanctioned to Mr. Saran
provided he fulfills all other eligibility criteria?
48 Ms. Khushi Kapoor, an IT Consultant with a reputed AUTO LOANS While generally the Equated Monthly Instalment need not be changed with every change in the interest rate,
company, has complained to you that despite her should the borrower seek an EMI reduction consequent to a rate reduction the same may be permitted if the
requests, the EMI of her existing Car Loan has not account is a Standard Asset and the loan outstanding is at least Rs. 5 lakhs and the interest rate reduction is of
been reduced subsequent to a reduction in Car Loan 1% or more.
interest rates. How will you deal with her complaint?
49 You have received a car loan proposal of a AUTO LOANS Relaxation may be permitted by obtaining ITR/Form 16 for 1 year by one step higher sanctioning officer,
businessman. You observe that the ITR of previous provided they are satisfied about the genuineness of source, amount and continuity of income and repayment
years have been filed with lots of delay i.e. beyond the capacity of the borrower over the loan tenor. In all such cases the basis for income verification should be
timeline stipulated by IT authority.What should you do properly recorded on the loan appraisal in Note pad.
now?
50 Mr. Subodh and his wife Madhuri, have jointly applied AUTO LOANS The person whose income is included will join as a co-borrower. The maximum number of applicants should be
for a Car Loan. However, the total income of both the restricted to two.
applicants is not sufficient to make them eligible for (Circular No PB/AL/1/KNR/34 Dated 23/01/2014)
the loan. Mr. Subodh has offered to add his father also
as a joint applicant for the loan. How will you proceed
with his request?
51 A doctor (professional & self employed) has AUTO LOANS YES, Professional & Self Employed : 700 (other than Physicians / Doctors/ CA/CS/Cost Accountants/ Architects) VOLUME -II PAGE 193
approached you for a car loan. His CIBIL score is -1 but
his income as per ITR is very good. Can you go ahead
with the sanction and why?
52 Shri Aditya has sanctioned a Car Loan to Ms Akshita. AUTO LOANS Aditya has to conduct post sanction inspection and take photograph of the vehicle along with its Purchaser at
Ms Akshita has submitted Invoice and Registration the time of delivery of vehicle. The dealer may be requested to e-mail the said photograph and keep the dealer
Card to Shri Aditya. e-mail & photograph with car loan documents to supplement post sanction inspection.
53 Ms Shweta RMPB was going through one of the Auto AUTO LOANS The processing official and /or sanctioning official should get the contact number of
Loan file and she found some difference in price of automobile dealers through manufacturers’ website/Google Search/Just Dial /PBBU
vehicle between quotation and final invoice submitted site/LOS etc. and contact them to verify the veracity of the proforma invoice. The
by customer. What is the due diligence to be observed telephone number given in proforma invoice will be unreliable if the dealer is
with respect to quotation and tax invoice submitted Impersonated.
by customer?
54 Ms Kalpana RMPB has sanctioned Auto Loan to a AUTO LOANS FORM 34 – HYPOTHECATION, FORM 29 - NOTICE FOR TRANSFER OF VEHICLE, FORM 30 – REPORT OF TRANSFER
customer and she has to give one form for entry of OF VEHICLE, FORM 20 – REGISTRATION OF VEHICLE
Hypothecation charge in vehicle. She has called you to
enquire about the number of form. The form you will
suggest will be
55 Shri Atul, a local businessman has applied for Car Loan AUTO LOANS DECLINED AS FOR BUSINESSMAN CIBIL SCORE IS MIN 700.
for purchase of Ford Freestyle. While scrutinising CIBIL
Score, RMPB found that Shri Atul has got '-1' score in
CIBIL. What will RMPB do?
56 Which of the following statements is CORRECT AUTO LOANS ,Not more than eight years old, TENOR OF LOAN MAX 5 YRS. LOAN TO BE CLOSED WITHIN 8 YEARS OF DATE OF
regarding Certified Pre-owned Car Loan Scheme? ORIGINAL PURCHASE.
57 Income of .................... Can not be included for AUTO LOANS SPOUSE, CHILDREN, PARENTS, SIBLINGS CAN BE INCLUDED
arriving at the loan eligibility for Car Loans.
58 RTO form meant for registration of vehicle is…………. AUTO LOANS FORM 20 Auto loan master circular page :32
59 The CIBIL Report of a Car Loan applicant shows a AUTO LOANS REJECT , Auto loan master circular page :51
business loan account as settled. The application
should be
60 What is Role of Auto Loan Counsellors (ALCs)? AUTO LOANS The services of the Auto Loan Counsellors will be utilized to explain our car loan schemes Auto loan master circular page :19
to the prospective customers and to source the applications at the dealerships. In this
connection, the appropriate authority has approved empanelment of retired officers of the
Bank on contract as Auto Loan Counsellors (ALC). In case we fail to engage adequate
number of retired employees or to get desired results from them, the appropriate
authority has also approved empanelment of individuals with certain qualifications from
SBI customers (other than staff) and others as Auto Loans Counsellors (ALC). The ALC
will play the role of a Direct Sales Executive of car dealers for booking Car Loans and
he/she will be paid an incentive of 0.2% of the car loan amount for the proposal sourced
and sanctioned with no fixed remuneration.
61 Under Universal Distribution Network. Bank has tied AUTO LOANS tie-up with SBICAP Securities Ltd. (SSL) as our Corporate Agent for marketing of our Auto Loans and related PAGE 90 MANUAL 4
up with which of these companies for marketing of products.
our Auto Loan and related products.
62 Which one of these Auto Loan variants does not have AUTO LOANS SBI LOYALTY & ASSURED CAR LOANS PAGE 104 MANUAL 4
any margin requirement?
63 Which one of these is not a condition for takeover of AUTO LOANS TAKE OVER NOW DISCONTINUED
Auto Loan
64 Which is not true in case of post sanction inspection of AUTO LOANS
Auto Loan………
65 If the vehicle is not registered within 120 days from AUTO LOANS PAGE 99
date of disbursement with our Hypothecation charge charge of Rs. 5000/- (+ GST) per month to be recovered from borrower till Bank’s hypothecation charge is noted
under Auto Loan, what is the penalty clause prescibed. by RTO, after sending due notice to the borrower.
66 Branch should obtain following documents in Auto AUTO LOANS RC COPY, INSURANCE, BILLS, VAHAN PRINT OUT PAGE 91 & 92
Loan after disbursement
67 How is the maximum loan amount calculated in SBI AUTO LOANS CIBIL scrutiny to be conducted to ensure that the applicant is not a defaulter to Banks/ Financial Institutions. PAGE 105 VOLUME 4
Loyalty Loan? Applicants with CIBIL scores less than 600 and those in -1, 0, 1 to 5 categories will also be eligible.
68 What is the valuation of Car in Certified Pre Owned AUTO LOANS Invoice of the dealers or the IDV as per the motor insurance policy whichever is less. PAGE 109 MANUAL 4
Car Loans Scheme?
69 What is the minimum income criteria for salaried AUTO LOANS SALARIED NAI : 6.00 LAKHS PAGE 112 MANUAL 4
employees under SBI Super Bike Loan……… SELF EMPLOYED : Net Profit or Gross Taxable income of Rs. 6 Lacs p.a AS PER LATEST IT RETURN.
AGRICULTURIST : 6.00 LAKHS p.a
70 Customer can avail Auto Loan from…….. AUTO LOANS All branches with incumbency of Scale III & above, all PBBs, District Head Quarter branches, Project Area PAGE 89 MANUAL 4
branches and other Branches authorized by the RMs (RBOs) to process, sanction and disburse car
71 Under Auto Loan, vehicle should be insured at…… AUTO LOANS 110% OF THE LOAN AMOUNT
72 Auto loan can be given to AUTO LOANS Individuals who have sufficient, regular and continious income & in SME CAR LOANS – GIVEN TO PROP
CONCERNS, PART CONCERNS ETC
73 Auto loans may be granted for purchase of new AUTO LOANS passenger cars, multi utility vehicles, support utility vehicles.Loan will be sanctioned by the Bank either as Term
Loan or Overdraft,Two wheelers including Super Bikes
74 What is the precuation to be taken while sanctioning AUTO LOANS Net annual income of applicant and/or co applicant together to be Rs. 4,00,000/-.The Net
Auto Loan to agriculturists? Annual Income will be arrived at based on the nature of the activity, land holding,
cropping pattern, yield etc. Other than the agricultural income, the borrower should have
additional income stream sufficient to take care of monthly installments. We have
designed a format for the use of operating units to facilitate easy sanctions to this
category of customers.
75 While adding income of co-applicant, whose income AUTO LOANS spouse, father, mother, brother, sister, son
can not be clubbed with borrower? and daughter may be included for arriving at the loan eligibility (any one)
76 If the applicant's Net Annual Income is less than Rs 10 AUTO LOANS 50%
lacs, EMI/NMI ratio should not exceed…….
77 If the applicant's Net Annual Income is more than Rs AUTO LOANS 70% - LOYALTY & 60% IN NORMAL CASES
10 lacs and has already availed Home Loan from us,
EMI/NMI ratio should not exceed……..
78 Maximum cost of accessories, extended warranty and AUTO LOANS 5% of the ex-showroom cost of the vehicle or Rs. 50,000/ whichever is lower.
total maintenance costs should not exceed…….
79 When can borrower's request of change in EMI in Auto AUTO LOANS While generally the Equated Monthly Instalment need not be changed with every change
Loan on change of interest rate be accepted? in the interest rate, should the borrower seek an EMI reduction consequent to a rate
reduction the same may be permitted if the account is a Standard Asset and the loan
outstanding is at least Rs. 5 lakhs and the interest rate reduction is of 1% or more. The
above facility will be permitted only once during the currency of the loan. The Bank
reserves the right to increase the EMI in case of interest rate rise.
80 Jahanavi has availed Car Loan from Bandra Branch and AUTO LOANS 2% p.a.(over and above the applicable interest rate) on the overdue
has missed 1 EMI. What is the penal rate of interest to amount for the period of default.
be charged here…….
81 Shri Rudra has availed Auto Loan from Kakinada AUTO LOANS Form 35
branch and has successfully repaid the loan. He wants
to cancel hypothecation charge on his vehicle. Which
is the form we will give to Shri Rudra for this
purpose……..
82 Ms Kangana has availed Home Loan of Rs 35 lacs from AUTO LOANS 19.55lacs
our Gangtok branch 5 years back and present
outstanding in loan account is Rs 30 Lacs. Present
market value of the property is Rs 60 lacs. Ms Kangana
wants an auto loan to purchase Hyundai Tucson whose
on road price is Rs 23 lacs. Loan eligibiltiy based on
EMI/NMI comes out to Rs 20 lacs after taking Home
Loan EMI into consideration. What will be the
maximum loan amount which can be sanctioned to Ms
Kangana?
83 Hritik is planning to purchase Harley Davidson Road AUTO LOANS Asking for income source documents,checking emi nmi ratio, considering margin of bike, after that providing
King model - 1690 cc with a price of approx Rs 25 lacs. check list.
He has approached us for the same. As a Branch
Manager, what would be your course of action?
84 Ms Priyamvada is Field Officer in Personal Segment AUTO LOANS Have vehicle particulars and its cost given in tax invoice been,tallied with quotation/proforma invoice?
and is processing Car loan. What are the checks to be
performed while scrutinsing proforma invoice.
85 Sidhdharth, RMPB, has just completed documentation AUTO LOANS Disbursement of loan to be made directly to Vendors/ Sellers in their account through,RTGS/NEFT
of a Car Loan proposal and would like to disburse Car
Loan. The precautions to be kept in mind are…….
86 Aakash has sanctioned and disbursed car loan and has AUTO LOANS FORM 34
to sign a Form for customer for registration of vehicle
and inserting Bank's Hypothecation Clause in it. Which
Form would Aakash be signing
87 Ishaan is just 18 years old and he wants to gift his AUTO LOANS ASSURED CAR LOAN
parents Hyundai Elantra costing Rs 20 lacs after
success of his debut movie. He is having ample fixed
deposits in his name. Which Auto Loan variant could
be suggested for Ishaan.
88 Under which scheme is Kamal Kumar eligible for Car AUTO LOANS NA
Loan from our Bank?
89 What will be the maximum amount of loan that can be AUTO LOANS NA
granted to him in this case?
90 Which of these is not a pre-condition for the Car Loan AUTO LOANS ANSWERS
variant we can offer to Kamal Kumar?
91 What will be the required CIBIL scores, in case Kamal's AUTO LOANS 107
application is considered for loan? CIBIL scrutiny to be conducted to ensure that the applicant is not a defaulter to Banks/ Financial Institutions.
Applicants with CIBIL scores less than 600 and those in -1, 0, 1 to 5 categories will not be eligible.
92 What will be the on-road price of the Car when AUTO LOANS 86
insurance is provided through the Dealer?
93 What is the maximum amount of loan that can be AUTO LOANS 15% i.e. up to 85% of the On-Road price of the car can be financed. 86
granted to Sanjana assuming that she is otherwise On-Road price includes taxes, insurance, accessories and extended warranty total maintenance Package etc.
eligible and she opts for Insurance through the dealer? The maximum cost of accessories, extended warranty and total maintenance should not exceed 5% of the ex-
showroom cost of the vehicle or Rs. 50,000/ whichever is lower
94 Which Institution is responsible for regulating and Banking Laws and Acts 4.0 NABARD 23
supervising the functions of Co- operative banks and
RRBs.
95 Right to Information Act came into force on Banking Laws and Acts 4.0 12 TH OCTOBER 2005
96 As per NI Act, which of the following are Negotiable Banking Laws and Acts 4.0 1, 2 AND 3 34
Instruments:
1) Promissory note
2) Bill of exchange
3) Cheque
4) Demand draft
97 Whether Minor can endorse a cheque Banking Laws and Acts 4.0 Minor can endorse u/s 26. But he is not liable. 39
98 Indian Succession Act 1925 is applicable to Banking Laws and Acts 4.0 INDIAN CHRISTIANS
99 Who can ask information under RTI Banking Laws and Acts 4.0 Citizens are entitled to get information held by the Bank as well as information in respect of the working / 25,26
functioning of the Bank under RTI Act. However, this right is subject to certain exemptions. Certain information,
such as the information in respect of the customers of the Bank shall be kept outside the general rule of
disclosure under the RTI Act, because the Bank being a commercial organization is bound to protect the right of
secrecy of its customers.
100 What is the time period for disposal of RTI application Banking Laws and Acts 4.0 30 DAYS
received by the CPIO directly
101 Incase of dishonour of electronic fund transfer, what is ` 30 DAYS
the time period available under Payment & settlement
Act by which the beneficiary has to serve written
demand notice for the said amount
102 In the context of Payment & Settlement Act, what is PAGE NO.54 – VOL.1 15 DAYS
the time period available to the person originating the
Electronic Fund Transfer to pay the dishonoured
amount to the beneficiary
103 Which section of Payment of settlement system Act Banking Laws and Acts 4.0 Section 25 in The Payment and Settlement Systems Act, 2007: Dishonour of Electronic Funds Transfer for
2007 deals with dishonour of Electronic Fund Transfer insufficiency, etc., of funds in the account
104 Indian Partnership Act was enacted in Banking Laws and Acts 4.0 1932
105 In a Partnership firm, what do you mean by dormant Banking Laws and Acts 4.0 Sleeping or Dormant partners: A partner who does not take any active part in the business of the firm. He
partner? merely invests capital and claims a share of the profit as per agreement. However, he is equally liable for the
acts of other partners and of the firm.
106 If a partnership firm is borrowing from a Bank the Banking Laws and Acts 4.0 Partners’ liability is unlimited, joint and several (individually) for all the debts of the firm
liability of the Partners are
107 Can a minor be admitted in a Partnership firm? Banking Laws and Acts 4.0 a Minor can be admitted ONLY FOR THE BENEFITS ( i.e, for profits only and not for losses). Minors have no
contractual capacity. He cannot bind other partners or the firm but they can be partners for sharing profits only.
Consent of all the existing partners necessary to admit minor as such a partner. However, on attaining majority,
he may choose to continue his partnership or quit by giving a proper public notice.
108 Bank insists for registration of Partnership firm while Banking Laws and Acts 4.0 A partner cannot sue the firm or any partners to enforce a right arising from a contract or a right arising from
sanctioning loan, why? the Partnership Act
An unregistered firm cannot sue a third party to enforce a right arising from a contract
Unregistered firm or any of its Partners cannot have a right of set-off in a proceeding initiated by a third party
to enforce a right arising from a contract.
Third parties can file a suit against the firm or any of its partners
109 RTI stands for Banking Laws and Acts 4.0 RIGHT TO INFORMATION
110 LLP stands for Banking Laws and Acts 4.0 LIMITED LIABILITY PARTNERSHIP
111 Which of the options is incorrect for Limited Liability Banking Laws and Acts 4.0 It is a partnership in which some or all partners (depending on the jurisdiction) have limited liability. It
Partnership firm? therefore exhibits elements of partnerships and corporations. In an LLP, one partner is not responsible or liable
for another partner's misconduct or negligence. This is an important difference from that of an unlimited
partnership. In an LLP, some partners have a form of limited liability similar to that of the shareholders of a
corporation The law defines LLP as: “ a corporate business vehicle that enables professional expertise and
entrepreneurial initiative to combine and operate in flexible, innovative and efficient manner, providing
benefits of limited liability while allowing its members the flexibility of organising their internal structure as a
partnership.
112 Post dated cheque Banking Laws and Acts 4.0 Cheque bearing date subsequent to date of its presentment. It cannot be paid before its date. Example - Cheque
dated Jan 22, is presented on Jan 16. It will be returned.
113 Inchoate Instrument means Banking Laws and Acts 4.0 As per Section 20, it is incomplete instrument in which one or the other particulars are not given (but it bears
signatures of the drawer). It can be completed by the Holder. These are, otherwise, valid instruments, but cannot
be paid till completed.
114 The drawer is liable for legal action by the holder u/s Banking Laws and Acts 4.0
138-147 of NI Act (w.e.f 01.04.89) incase of dishonour
of cheque. In this context which statement is incorrect
with regard to holder to proceed against the drawer
under this section
115 Paying banker is protected under section------- on Banking Laws and Acts 4.0 85-1 OF NI ACT – PAYING BANKER, COLLECTING BANKER – 131 OF NI ACT
payment of instrument which later transpires as
endorsement is forged cleverly.
116 What is special crossing of a cheque. Banking Laws and Acts 4.0 When only name of the bank is written within the lines or without lines, it is special crossing (Sec 124). As
per Sec 126, specially crossed cheques can be paid to that bank only in whose favour it is crossed.
117 Which is incorrect for material alteration in the Banking Laws and Acts 4.0 PERMITTED ALTERATION – DATE ONLY
instrument
118 What is the limitation period for mortgage of property Banking Laws and Acts 4.0 13 years, 30 years only for Govt
119 Which is incorrect with regard to Consumer Protection Banking Laws and Acts 4.0
Act?
120 Under consumer protection Act 1986, an appeal can banking Laws and Acts 4.0 30 days, 15 days
be made with the State commission against the order
of District consumer forum within ----- days of the
order which is extendable for further ----- days
121 Under consumer protection Act 1986, an appeal can Banking Laws and Acts 4.0 30 DAYS
be made with the National commission against the
order of State commission within ----- days.
122 Under consumer Protection Act 1986, an appeal can Banking Laws and Acts 4.0 Supreme court
be made against the order of National Commission
123 The CPIO while scrutinising the RTI application Banking Laws and Acts 4.0 ADDITIONAL EXPENDITURE TO BE COLLECTED FROM THE APPLICANT
received directly by him found that the information
asked by the applicant requires additional
expenditure. What he can do?
124 Mr. X is maintaining a S/B A/C with Y having mode of Banking Laws and Acts 4.0 NOT PAID
operation E or S. X has approached your Branch with a
cross cheque in favour of his servant signed by Y who
is out of station for 5 days. The servant has no account
and wants cash payment by cancelling the crossing in
the cheque. How to proceed with the case?
125 You are Branch Manager of ABC Branch and you Banking Laws and Acts 4.0 An appeal can be made with the state commission against the order of the district forum within 30 days of the
receive a copy of judgment given by District Consumer order which is extendable for further 15 days. (Section 15)
Forum against the Bank. You are not satisfied and
want to appeal against the case. What are the
remedies you have?
126 Dishonour of ECS/SI is covered under Banking Laws and Acts 4.0 Section 25 in The Payment and Settlement Systems Act, 2007: Dishonour of Electronic Funds Transfer for
insufficiency, etc., of funds in the account
127 A Branch Manager has completed the documentation Banking Laws and Acts 4.0 INVALID
on Saturday and completes stamping on the next
Monday. This document is…..
128 Certain documents such as Wills, Mortgages, (other Banking Laws and Acts 4.0 2 PERSONS
than Equitable Mortgage) etc. are required to be
witnessed by ---------persons. Failing this, such
documents will not be admitted in evidence.
129 A document should never be ante-dated. If a date on Banking Laws and Acts 4.0 INVALID
the document appears to be prior to the date of
stamping or the date of purchase of stamps, such
document would be treated as -----
130 When a home loan document has been signed by two Banking Laws and Acts 4.0 LATEST DATE IS COUNTED
different borrowers on two different dates; the
limitation period starts from…………………….
131 If a particular document is not adequately stamped at Banking Laws and Acts 4.0 WITHOUT PENALTY - 365 DAYS, AFTER THAT WITH PENALTY
the time of execution for some reason, the defect can
be remedied by submitting the documents to the
stamp authorities within -------days from the date of
execution by paying the required stamp duty.
132 In case of 7/12 extract/ khasara and khatauni/land Banking Laws and Acts 4.0 IT IS NOT A TITLE DEED
record, registered mortgage of the land should be
insisted upon because........
133 CERSAI has been established under Section 25 of Banking Laws and Acts 4.0 COMPANIES ACT 2013, BUT IN SARFAESI ACT 2002- SECTION 20(1)
which act?
134 Mr Johny Walker has been posted as a Branch Head of Branch Management 2.0 The key functional areas of the Branch Manager are, managing employees, subordinate development, Business
Akola Branch. He has never handled this assignment Growth, Quality of Credit, Marketing, Housekeeping, bonding with customers, maintaining Customer relations
before. Which one of the following is not among the and building a trustful image for the Bank.
key functional areas of Mr Walker as a Branch
Manager?
135 Branch Manager is expected to combine an--------------- Branch Management 2.0 Enterpreneurial style
style in business development with administrative and
maintenance functions.
136 Which one of the following does not come under the Branch Management 2.0 1. Business and profitability .2. customer service 3. Marketing and sales 4. Branch ambience 5. Administration
role and responsibilities of the Branch Manager in Non
BPR centre?
137 Which one of the following comes under the Branch Management 2.0 1.
administrative function of Branch Manager? Proper deployment of staff resources. 2.
Timely reporting of important business and operational matters to Regional Manage. 3.
Development of skills and knowledge of staff through proper trainin. 4.
Maintenance of harmonious H. 5.
Maintenance of excellent condition of House- keeping, viz, Branch Hygiene. 6.
Ensure holding of Preventive Vigilance Committee / Customer Committee Meetings and Customer Relation
Programmes regularly. .
138 What is incumbency of a branch (BPR Centre) where Branch Management 2.0 SMGS-IV
overall business level is above Rs.150 cr to Rs.500 cr
139 What is incumbency of a branch (BPR Centre) where Branch Management 2.0 JMGS-I
overall business level is Up to Rs.10 crores
140 What is incumbency of a branch (BPR Centre) where Branch Management 2.0 MMGS-III
overall business level is above Rs.50 cr. to Rs.150 cr
141 What is incumbency of a branch (BPR Centre) where Branch Management 2.0 MMGS-II
overall business level is above Rs.10 crores to Rs.50
crores
142 What is incumbency of a branch (BPR Centre) where Branch Management 2.0 SMGS-V
overall business level is above Rs.500 cr
143 Non -divisionalised branches headed by SMGS-V in Branch Management 2.0 MMGS-III
BPR centres will be provided with one -------- Officer as
support to Branch Head
144 Your friend Shri Vasu is recently promoted as Scale Branch Management 2.0 YES. Scale 5
IV.You are posted in RBO. He calls you and asks you
about incumbency of Rajapura branch (Non BPR
Centre) where overall business level is Above Rs. 400
crores. Can you help him in advising the incumbency
of Rajapua branch?
145 You are heading a scale -II branch in Non BPR centre. Branch Management 2.0 YES
You have done a great job in increasing your deposit
and advances level of your branch. As on date, overall
business level of your branch is Rs 60 crore. Will
incumbency of your branch remain unchanged?
146 Main Branch at State Capitals is to be categorized Branch Management 2.0 one scale higher than eligible incumbency, subject to max Scale 5
--------------- ,subject to maximum of SMGS-V
147 Specialised Branches like ADB, Agri CB, NRI, SSI, SME Branch Management 2.0 MMGS-III
etc irrespective of business level shall be at
least--------- incumbency
148 Cash officer position at all non -currency chest Branch Management 2.0 JMGS-I
branches will be notionally categorized as------------ to
be manned by Sr. Spl. Assistant / Spl. Assistant,
irrespective of incumbency of branch.
149 In all Currency chest branches, where the incumbency Branch Management 2.0 Scale-II
is MMGS -III & above the position of Cash Officer
Position would be categorized in --------
150 You have been recently promoted as Scale IV and got Branch Management 2.0 NO
posted as a Branch Head of Sadar Bazar Branch which
is a Currency Chest Branch. Recently Shri Irfan Khan,
who is promoted as a scale I officer, has joined your
branch. He has requested you to assign him Cash
officer's job. Can you accede to his request?
151 You are heading Scale -IV Branch in Patna Circle. In the Branch Management 2.0 PersonalBanking Division (BPR Branches of SMGS –IV & V incumbency): The Branch should have atleast Rs.200
last financial year your branch has P segment deposits crores P -Segment Deposits only.
to the tune of Rs 90 Crores. Your branch is having a
high footfall of HNI customers. By the end of this
financial year, you are confident of crossing P segment
deposit by Rs 250 Crore. Would your Branch be eligible
for having a Personal Banking Division?
152 For having a SME Division in Non - BPR Branches, a Branch Management 2.0 CPBMinQUESTIONS
For having a SME Division 1 - 900 a branch should have average SME advances of minimum -25cr
Non - BPR Branches,
branch should have average SME advances of during the last 2 years and 250 loan accounts excluding government sponsored and allocated limits
minimum --------- during the last 2 years and ---- loan
accounts excluding government sponsored and
allocated limits
153 You are a Branch Manager of Nayee Mandi Branch Branch Management 2.0 For RB division The branch should have average Agri. Advances of minimumRs 10 crores during the last 2 years
which is Agri intensive. It is a non BPR branch. Your and 1000 loan accounts excluding government sponsored and allocated limits
Branch has Agri. Advances to the tune of Rs 15 crores
as on 31.03.2018. Last year it was Rs 13 Crore. As you
have 1100 Agriculture loan accounts and also 200
government sponsored and allocated limits, it is
getting very difficult for you to handling the portfolio.
What would you do?
154 In addition to non -BPR Centres, International Banking Branch Management 2.0 i) The branch should have minimum forex turnover of Rs.100 crores per annum .ii) Minimum 25 IB customers to
Division may also be created in such BPR centre be serviced by the division. iii) Potential for attracting sufficient IB business through sustained marketing efforts
branches where TFCPC is not established provided--
155 You are posted in a branch which has Rs 60 Crore of Branch Management 2.0 Having a minimum of 200 loans in home loan or education loan (standard assets) is one of the eligibility
deposits and 600 Home loan borrowers. There is no criteria for creating post of field officer
Field Officer in the branch.You are finding it very
difficult to handle home loan customers alone. You
requested Manager HR to post an FO in your
branch.He told your branch does not have a post
for FO. What would you do?
156 The Branch manager should not Branch Management 2.0

157 Mr Tiger Shroff has joined Manglakheri Branch as Branch Management 2.0 The handing-over and taking-over letter on form COS-330.
Branch Head. Mr Ranbeer Kapoor, who is his The relieving Branch Manager’s Certificate on form COS-331 .
predecessor, is still in the branch. Today, the taking The Cash Verification Report on form COS-46
over process is complete. Now Mr. Tiger is confused
which form is to be signed for the handing-over and
taking-over. Can you help him?
158 The relieving Branch Manager's Certificate to be taken Branch Management 2.0 The relieving Branch Manager’s Certificate on form COS-331 .
on Form
159 The Cash Verification Report to be taken on Form Branch Management 2.0 The Cash Verification Report on form COS-46
160 What are the Key Monitoring and Performance Area Branch Management 2.0
of a Branch Manager The Branch Managers is responsible for the:
Achievement of all business budgets – deposits, advances, profit, other income, cross selling etc, including
activity budgets, migration of customers to alternate channels. Handling of customer grievance and feedback.
Ensure efficient customer service level, ensure provision of customer amenities in the branch premises.
Maintenance of excellent condition of House Keeping &
security arrangements of the branch. Proper deployment of the staff members and developing the knowledge
and skills of his staff members by deputing them for training as and when required.
To achieve these the Branch Manager is required to distribute the budget allotted for the branch amongst his
officials and staff. He/she is required to moniter the performance of the staff reporting to him/her on a
monthly/quarterly basis as to evaluate the performance of the branch .
Likewise the ORM parameters are to be monitored monthly/quarterly so as to mitigate the operational risks of
the branch
161 As a Branch Manager when the process of taking-over Branch Management 2.0 1.The handing-over and taking-over letter on form COS-330 . 2.The
is complete, send the following certificate/(s) to the relieving Branch Manager’s Certificate on form COS-331 . 3.The Cash Verification Report on form COS-46
Controlling Authority.
162 Data extraction tool like CSV creator tool is available at Branch Management 2.0 Couldn't answer without options
URL:https://csvcreator.statebanktimes.in.co . It is not
helpful for which of the following. ?
163 Which of the following is not an emergency Branch Management 2.0 Couldn't answer without options
arrangements ?.
164 OVRR should be checked preferably in Branch Management 2.0 T+1 basis
165 Which is not needed to keep in Branch Document? Branch Management 2.0 DUPLICATE KEY RECEIPT
166 Branch Document is the core document for any Branch Management 2.0 Couldn't answer without options
Branch. Which of the following need not be recorded
in it.
167 At BPR centre, Branch is categorised as SM IV, if Branch Management 2.0 Above Rs.150 cr to Rs.500 cr
average aggregate business is [Categorization based on overall business levels, no separate criteria for Advances & Deposits]
168 At Non-BPR centre, Branch is categorised as SMGS V, if Branch Management 2.0 Above Rs. 400 crores
average aggregate business is [Categorization based on o verall business levels, no separate criteria for Advances & Deposits]
(Non -divisionalised branches will be provided with one MMGS -III Officer as
support to Branch Head)
169 Checking of VVR to be completed on Branch Management 2.0 T+1 basis

170 In the following, which is not a criteria for creating of Branch Management 2.0 Criteria for creating of Manager Operations:
Manager (Branch Operations) position  In Scale - III and above incumbency branches, the post of Manager (Branch operations) is categorized in
Scale–II.
 In currency chest branches, there must be a Manager (Branch Operations) depending upon the branch
incumbency.
 In other branches, the position of Manager (Branch Operations) may be created, if any of the following
criteria is fulfilled.
o Total business above Rs.15 crores or
o Advances above Rs.2 Crores with minimum 50 Accounts (excluding staff Loans , Loans against specified
securities etc.) where no Field Officer is posted or
o Average number of vouchers more than 1000 per day (excluding ATM transactions and System generated
vouchers.)
171 Norms for creation of SME division in a branch Branch Management 2.0 SME Avg Advances of Rs 25 cr during last 2 yrs And 250 loan a/c's excl Govt Spon
situated at Non BPR centre are as under: Scheme&limits
172 The check-list in the Aide-Memoire contains all except BRANCH SECURITY ARRANGEMENTS Daily Checks, Weekly, Monthly, yearly and addl Checklist for computer security.
6.0
173 Aide- Memoire means BRANCH SECURITY ARRANGEMENTS This is a checklist containing the summarized
6.0 and revised and revised version of the salient aspects of security arrangements at the Branches.
174 Which of the following is not a 'P' of marketing mix? Business Development 1.0 Vol II 4 p's are Product, Price, Promotion, Place
175 M/S Karunanjali wants to divide the market in such a Business Development 1.0 Vol II Market Segmentation
way that they can meet the needs of the customer in a
superior way. What is M/S Karunanjali attempting to
do?
176 M/S Karunanjali has found out that their face wash is Business Development 1.0 Vol II Product Variation
most suitable to teen age girls of 14-22 years and
therefore they should sell it to them. What is M/S
Karunanjali attempting to do?
177 An improvement of Customer Service can be achieved Business Development 1.0 Vol II CRM
by the branch manager by:
178 For an effective branch Manager , Marketing and Sales Business Development 1.0 Vol II
cannot be achieved by:
179 The Balance maintained/kept in the Currency Chest is Cash Dept Procedures 9.1 RBI
the property of
180 The minimum transactions from/to Small coin depot Cash Dept Procedures 9.1 100 & 50
will be ........ and in multiples of ..........
181 The Single Window Operator's (SWO's) Cash Box Cash Dept Procedures 9.1
remains overnight in the joint custody of CO and Custody of cash
Accountant / Service Manager The Cash Box remains overnight in the joint custody of CO and Accountant / Service Manager.
 The cash in the drawer continues to remain in the single custody of SWO and the key
of Cash Box remains with the SWO.
182 During Cash Remittance, branch should make sure that Cash Dept Procedures 9.1 CPBM QUESTIONS 1 - 900
Remittances will be accompanied by a representative of the remitting branch
 Transportation of cash will be done as far as possible in bank’s own vehicle or a closed jeep/van with
security guards.
 Cash should be transported in steel boxes with locks. The boxes should be secured to the body of the vehicle
with chains.
 Antecedents of the vehicle owner & driver should be verified beforehand.
 Secrecy & confidentiality of transportation should be ensured.
 Remittances upto Rs 50 lacs will have minimum one armed escort.
 Remittances exceeding Rs 50 lacs but below Rs 100 lacs should be accompanied by two armed guards.(Non-
CAC linked Branch)
o For CAC Linked – 50 lacs to 300 lacs
 All remittances exceeding Rs 100 lacs, whether carried by cash van or hired vehicle, should be accompanied
by police escort (Non-CAC linked).
o For CAC linked – above 300 lacs
183 Counterfeit notes can be impounded by Cash Dept Procedures 9.1 (iv) Detection and Impounding of Counterfeit Notes:
Counterfeit Notes can be impounded by-
(i) All Banks
(ii) All Treasuries and Sub-Treasuries (iii) Issue Offices of Reserve Bank of India. Impounding of Counterfeit
Currency Notes:
 When a banknote tendered at the counter is found to be counterfeit, an acknowledgement receipt in the
prescribed format must be issued to the tenderer, after stamping the note as counterfeit note.
 The receipt should be authenticated by the cashier and tenderer. The receipt is to be issued even in cases
where the tenderer is unwilling to countersign it. Notice to this effect should be displayed prominently at the
offices / branches for information of the public.
 Notes determined as counterfeit shall be stamped as "COUNTERFEIT NOTE" and impounded in the
prescribed format. Each such impounded note shall be recorded under authentication, in a separate register.
Detection of Counterfeit Notes - Reporting to Police and other bodies:

 Procedure to be followed while reporting incidence of detection of counterfeit note to the Police:
 For cases of detection of counterfeit notes up to 4 pieces, in a single transaction, a consolidated report in the
prescribed format should be sent by the Nodal Bank Officer to the police authorities or the Nodal Police
Station, along with the suspect counterfeit notes, at the end of the month.
 For cases of detection of counterfeit notes of 5 or more pieces, in a single transaction, the counterfeit notes
should be forwarded by the Nodal Bank Officer to the local police authorities or the Nodal Police Station for
investigation by filing FIR.
184 For cases of detection of counterfeit notes up to 4 Cash Dept Procedures 9.1 Detection of Counterfeit Notes - Reporting to Police and other bodies:
pieces, in a single transaction, a consolidated report in  Procedure to be followed while reporting incidence of detection of counterfeit note to the Police:
the prescribed format should be sent by the Nodal  For cases of detection of counterfeit notes up to 4 pieces, in a single transaction, a consolidated report in the
Bank Officer to ...., along with the suspect counterfeit prescribed format should be sent by the Nodal Bank Officer to the police authorities or the Nodal Police
notes, at the end of the month. Station, along with the suspect counterfeit notes, at the end of the month.
 For cases of detection of counterfeit notes of 5 or more pieces, in a single transaction, the counterfeit notes
should be forwarded by the Nodal Bank Officer to the local police authorities or the Nodal Police Station for
investigation by filing FIR.
185 Under In Branch Cash Handling System(IBCH) Cash Cash Dept Procedures 9.1
retention limit for SWO Cash Box is Max Rs. Cash retention limit for Cash Box is Max Rs 1, 00,000/- in NON BPR & Rs.50000/- in BPR CENTER
186 Which of the following statements is / are incorrect as Cash Dept Procedures 9.1
regards escort in case of cash remittances? Remittances upto Rs 50 lacs will have minimum one armed escort.
 Remittances exceeding Rs 50 lacs but below Rs 100 lacs should be accompanied by two armed guards.(Non-
CAC linked Branch)
o For CAC Linked – 50 lacs to 300 lacs
 All remittances exceeding Rs 100 lacs, whether carried by cash van or hired vehicle, should be accompanied
by police escort (Non-CAC linked).
o For CAC linked – above 300 lacs
187 Currency Administration Cell Cash Dept Procedures 9.1 Currency Administrative Cell:
 Currency Administration Cells have been opened by the Bank in all important towns. The cash and
remittance requirements of branches are being taken care by CAC. Quantitative benefits
 .Cash Optimization
 .Transport Optimization
 .Manpower Optimization
 Qualitative benefits:
 .Reduction of work load at Branches
Reporting and liaison with RBI will improve
188 Penal interest is charged on Currency Chest branches Cash Dept Procedures 9.1
by RBI when All transactions are reported to RBI everyday by uploading data through ICCOMS software. Non reporting/
delayed/erroneous reporting is penalized by RBI
189 In all the Currency Chest Branches, Cash Officer Cash Dept Procedures 9.1
position will be manned by Chief Associate only'. In
the following options, which is appropriate in respect
of the above statement.
190 Mr Krish is an existing customer of your Branch. He CIBIL Deviation approval to be obtained, upto Rs.25000/- by AGM, above Rs.25000/- and upto Rs.50000/- by DGM for
wants to take a home loan from you. While going further processing of housing loan. IF MORE THAN 5 YEARS – ONLY ONE CREDIT CARD SETTLEMENT – THEN
through his CIBIL report you have found out that there WITHOUT DEVIATION APPROVAL CAN BE DONE.
is a settled Credit Card in his name which has
happened in the year 2010. Upon enquiry he says that
there was a dispute between him and the credit card
company on some charges levied and finally he had
settled it. Can you go ahead and sanction the loan?
191 Mr Raghuvir Yadav, 72 years old is buying a BMW car CIBIL Can go ahead with the sanction
by taking a car loan from your Branch under Assurred
Car Loan Scheme. He is a businessman. While
processing his loan, you observe that his score is -1 in
CIBIL. Can you go ahead with the sanction?
192 The Credit Information Companies (Regulation) Act, CIBIL With in 30 days
2005 mandates Credit Insitutions to ensure resolution
of any dispute raised by a consumer within how many
days
193 The second Credit Information Report (CIR) required CIBIL

for Home Loans above Rs.10.00 Lacs should be taken
from_________.
High Mark
194 Which one of the below mentioned entities is not a CIBIL
Credit Information Company CIBIL, EXPERIAN, CRIF HIGHMARK, EQUIFAX
195 The second Credit Information Comapny (CIC) report CIBIL Experian Report
for Car Loans will be taken from
196 DPD' in relation to CIBIL report stands for CIBIL Days Past due
197 The scores in CIBIL Transunion range from CIBIL 300-900
198 The maximum score that can appear in CIBIL CIBIL 900
TransUnion report is……..
199 Ms. Samantha is a popular actress and also a customer CIBIL FORWARD THE REQUEST TO THE NODAL OFFICER AT LHO
of your Branch. She has sent a complaint to our
Chairman that her home loan account maintained with
your Branch is erroneously showing overdue and
because of this her credit card application has been
rejected. You have been asked to immediately rectify
the error. What action will you take?
200 Which one of the following is not true regarding CIBIL CIBIL
Trans Union Score?
What will be minimum CIBIL score required in this CIBIL
201 case?
Sunder Nagar branch was flooded with numerous Cross Selling
complaints relating to cross selling business. Mr.
Neeraj joined as the new Branch Manager. How would
he tackle the situation to resolve the issues and
continue cross selling Business?
202
You have been urgently called by your controllers for a Cross Selling
meeting to improve cross selling business. Staff
handling business at the branch have gone home and
you need the data to discuss at the meeting. How can
you get a summary of all the products
203
An Overseas Citizen of India (OCI) and a Person of Customer Service 8.0
Indian Origin (PIO) means a foreign citizen not being a
citizen of Bangladesh, Pakistan or other countries as
may be specified by the Central Government from
time to time if
204
Which of these is not true in respect of guidelines Customer Service 8.0
issued by the Reserve Bank of India regarding steps to
be taken in case of existing KYC non-compliant
accounts?
205
Tehniyat Khan, a 'Pardanashin' woman has Customer Service 8.0
approached her nearest SBI branch for opening of a
Saving's Bank account. She is a graduate and has also
been introduced by a very important customer of that
Branch. However, she is not ready to provide her
photograph for opening of the account on the grounds
that providing her photograph to outsiders is against
the faith which she believes in and as she is a literate
person who can sign uniformly, Bank should not ask
for her photograph. What would the Branch do in this
case?
206
Ratan Kumar, a Saving's Bank customer of Kanpur Customer Service 8.0
Main Branch, could not withdraw Rs.1,000 from his
account from an ATM as his transaction was declined
due to his account being blocked. He went to his
branch and found that since he was a minor till last
week, his account got blocked after he attained
majority. He was surprised that in spite of submitting
all the KYC related documents, the Branch blocked his
account without informing him about the same. The
Manager (Operations) of the Branch informed him that
it was his duty to inform about his attaining majority
for making necessary amendments in his account.
What are the Bank's laid down instructions in this
regard?
207
Saadhu Yadav, an illiterate farmer, wants to open a Customer Service 8.0
cheque operated account with his son, Tej Pratap, who
is a commerce graduate. However, the Manager
(Operations) of the Branch turned down their request
for opening such type of account on the grounds that
one of the account holders is an illiterate person and
hence a cheque operated account cannot be opened.
Was the Manager (Operations) correct?
208
Kamal Nayan, a visually challenged Saving's Bank Customer Service 8.0
customer of your Branch has sent a letter of authority
in favour of his son, Deep Nayan, for withdrawing
Rs.5,000 from his account as he is not able to visit the
Branch due to his poor health. You know Kamal
Nayan's family very well and have also verified his
signature, but still you are not feeling comfortable in
allowing the payment to his son. What should you do?
209
Jayesh Shah, a Home Loan customer of your Branch, Customer Service 8.0
has approached you for opening a Savings Account in
the name of Jayesh Shah HUF, a Joint Hindu Family,
which is also engaged in the garment business. What
are the documents Mr. Shah will be required to
submit?
210
Mr. Prem Kumar approached your Branch for opening Customer Service 8.0 While opening an account of a partnership firm, the certified copies of each of the following documents shall
of C/A in the name of his Partnership firm which is not be obtained:
registered. There are three partners and they have (a) Registration certificate.
211 provided all KYC and local address proof. How you will (b) Partnership deed.
proceed? (c) Identification information as mentioned under Para III (A) in respect of the person holding an attorney to
transact on its behalf (PAGE 230)
As per CKYCR guidelines, the data in respect of all Customer Service 8.0 3 DAYS(PAGE 216)
account based relationship established by the Bank
are required to be uploaded on CKYCR Portal within
212 ………days of such establishment of relationship.
Being a Branch Manager, how do you explain the Customer Service 8.0
primary objective of the KYC, AML & CFT Policy of the The primary objective of the KYC, AML & CFT Policy of the Bank, is to prevent the Bank from being used,
213 intentionally or unintentionally, by criminal elements for money laundering or financing of terrorism (PAGE
Bank to your staff?
2015)
The Policy / procedure of KYC, AML & CFT guidelines Customer Service 8.0
214 as issued by RBI are applicable to? The Policy / procedural guidelines are applicable to all domestic branches/offices of the Bank. (PAGE 215)
Which Organisation has been notified to act as an Customer Service 8.0 Government of India has authorised the Central Registry of Securitisation Asset Reconstruction and Security
215 entity to perform the functions of the CKYCR? Interest of India (CERSAI), to act as, and to perform the functions of the CKYCR.(PAGE231)
Within how many days, you are required to file the Customer Service 8.0 3 DAYS(PAGE 216)
electronic copy of the Customer's KYC records/data
(Customer information, Photograph, Signature, KYC
Documents) with the Central KYC Records registry
216 (CKYCR) after the commencement of an account based
relationship with a customer?
What are the obligations under Section 3 PMLA 2002? Customer Service 8.0
“Whosoever directly or indirectly attempts to indulge or knowingly assists or knowingly is a party or is actually
217 involved in any process or activity connected with the proceeds of crime (including its concealment, possession,
acquisition or use ) and projecting or claiming it as untainted property shall be guilty of offence of money
laundering”. (PAGE216)
Which are the Risks to which Bank is exposed to for Customer Service 8.0
non compliance with KYC/AML/CFT standards ? Non compliance with KYC/AML/CFT standards can lead to use of the technology channels of the Bank for Money
218 Laundering/financing terrorism activities and thus expose the Bank to risks such as Operational Risk, Reputation
Risk, Compliance Risk and Legal Risk etc (PAGE 217)
What are the Key elements of the KYC/AML/CFT Policy Customer Service 8.0 The KYC/AML/CFT Policy of the Bank has the following key elements: • Customer Acceptance Policy • Customer
219 of the Bank ? Identification Procedures • Monitoring of Transactions and • Risk Management (PAGE 217)
What is the purpose of sending Letters of Thanks by Customer Service 8.0
registered post at the recorded address to all
customers in all instances of opening of new
accounts ? Letters of Thanks in all instances of opening of new accounts be sent by registered post at the recorded
220 addresses to all customers with dual purpose of thanking them for opening the account with the Bank and for
verification of genuineness of address furnished by the account holder. Undelivered envelopes in this regard
would be required to be followed-up closely at branch / CPC level and proper noting is to be made in the
formalities register at the branches. Copies of letters are to be kept on record (PAGE 222)
What is the re-KYC frequency for high, medium and Customer Service 8.0 High-2, medium-8, low-10
221 low risk customers in our Bank?
Which of the following customers do not fall under Customer Service 8.0
'High' risk Category?
High Risk Category. 1. Politically Exposed person of foreign origin 2. Bullion Dealers/jewellers 3. Non Resident
Customers (NRIs) 4. Trust Charities, NGOs & Organisations receiving donations from India & abroad 5. Non face-
to-face Customers 6. Customers domiciled in/having transactions with High Risk Countries (Latest FATF
statements to be referred). Further Global Markets Unit, Kolkata, will issue list of high risk countries as well as
222 details of sanctions against having transactions with countries/Banks and financial institutions/currencies which
should be taken into account while processing transactions. 7. Firms with Sleeping partners 8. Companies having
close family shareholding 9. Multi-Level Marketing Companies 10. Accounts of Mules 11. Customers of dubious
reputation 12. High Net worth Individuals - Individuals with total deposits of > Rs.1.50 Crores 13. Pooled
Accounts 14. Individual/entities involved in any fraud/forgery/antinational activity/ terrorism/tax-
evasion/insider trading may be classified as High Risk 15. Account opened/operated by Power of Attorney
Holders 16. Individual Account holder with Credit/debit summations of Rs.2.00 crores & more per annum 17.
Non Individual account holders with credit debit summations of Rs.10.00 crores & more per annum 241 18.
Customer accounts where STR has already been filed with FIU
Where is a dedicated Anti Money Laundering Customer Service 8.0
Monitoring office for the Bank is established that
223 functions under the control of General Manager A dedicated Anti Money Laundering Monitoring office for the Bank is established at Jaipur which functions under
(AML/CFT). the control of General Manager (AML/CFT). General Manager (AML/CFT), is also designated as the Principal
Officer (AML/CFT) of the Bank.
Which of the following reports are to be sent by the Customer Service 8.0
Banks to Financial Intelligence Unit-India (FIU-IND) The AML/CFT Department at Jaipur will be analyzing the alerts on transactions handled across the Bank with the
224 regularly, in terms of rules of Prevention of Money help of AML software called AMLOCK, acquired from M/s 3i-Infotech Ltd., for eventual escalation of Suspicious
Laundering Act 2002? Transactions Reports (STRs), if required, to the Principal Officer (AML/CFT) for filing it with the Financial
Intelligence Unit-India (FIU-IND).
Which of the following information have to be Customer Service 8.0 An internal mechanism should be evolved & put in place for furnishing information and maintaining proper
furnished and proper records maintained for record of transactions prescribed under Rule 3 of Prevention of Money Laundering (Maintenance of Records)
transactions under Rule 3 of Prevention of Money Rules, 2005 (PML Rules, 2005), as mentioned below having regard to any guidelines issued by Director FIU-IND in
Laundering (Maintenance of Records) Rules, 2005 consultation with RBI: i. All cash transactions of the value of more than Rupees Ten Lakh or its equivalent in
(PML Rules, 2005)? foreign currency; ii. Series of all cash transactions individually valued below Rupees Ten Lakh, or its equivalent
in foreign currency which have taken place within a month and the monthly aggregate which exceeds rupees ten
lakhs or its equivalent in foreign currency. It is clarified that for determining ‘integrally connected transactions’
225 ‘all accounts of the same customer’ should be taken into account. iii. All transactions involving receipts by non-
profit organisations of value more than rupees ten lakh or its equivalent in foreign currency [Ref: Government of
India Notification dated November 12, 2009- Rule 3,sub-rule (1) clause (BA) of PML Rules] iv. All cash
transactions where forged or counterfeit currency notes or bank notes have been used as genuine and where
any forgery of a valuable security or a document has taken place facilitating the transaction and v. All suspicious
transactions, whether or not in cash, made as mentioned in PMLA Rules. vi. All cross border wire transfers of
the value of more than five lakh rupees or its equivalent in foreign currency where either the origin or
destination of fund is in India. Bank, its designated director, officers and employees are duty bound to observe
the procedure and the manner of furnishing the information mentioned herein above.
Name the software used by AML/CFT Cell, Belapur to Customer Service 8.0
generate alerts on prima facie suspicious transactions The AML/CFT Department at Jaipur will be analyzing the alerts on transactions handled across the Bank with the
226 based on thresholds fixed by the Bank for such help of AML software called AMLOCK, acquired from M/s 3i-Infotech Ltd., for eventual escalation of Suspicious
filtration? Transactions Reports (STRs), if required, to the Principal Officer (AML/CFT) for filing it with the Financial
Intelligence Unit-India (FIU-IND).
As a Branch head, are you aware about the full form of Customer Service 8.0
227 GIIN under FATCA? Global Intermediary Identification Number
BCSBI code of Banks' Commitment to customers is Customer Service 8.0
228 applicable to… Micro and small enterprises
What are the areas of concerns due to implementation Customer Service 8.0 Areas of concerns due to implementation of provisions of FATCA i) The implementation of provisions of FATCA
of provisions of FATCA? are in the nature of fulfilment of country’s international obligation and noncompliance can lead to huge
penalties in addition to loss of reputation. ii) In case of non-compliance or wrong compliance with the
provisions of FATCA, SBI may be treated as a Non Participating Financial Institution (NPFI) by US IRS. Once any
Financial Institution is treated as NPFI, a 30% withholding tax would be applicable for all payments made
through such non participating financial institutions. This would only lead to no one transacting or holding
account with such Non participating financial institutions, as all the transactions would result in 30% levy and
229 the account holders would receive only 70% of the funds due. This can lead to losing all business with a US
connect. iii) It is imperative that the operating staff understand and appreciate that inadequate/incorrect
reporting would lead to a host of operational risk issues. Gaps or laxity in observing due diligence procedure
from the prescribed rules would amount to non-compliance risk and would subject the Bank to reputation risk
with concomitant penalties. iv) Also customer acquisition and business sourcing would get adversely affected if
the frontline staff is not able to convince properly the need for additional information from existing and
prospective customers. v) As FATCA due diligence is not a one-time exercise but a continuous exercise, due
seriousness and high level monitoring is required in the FIs.
FATCA was effective from July 01, 2014. Which of the Customer Service 8.0 1. FATCA is effective from July 01, 2014. All accounts before this date are termed as pre-exisiting accounts. 2. FIs
statements are Correct in this regard? have to decide ‘high value account’ and ‘lower value account’ as on 30th June, 2014 for pre-existing individuals
as per Rule 114H(2) (b) & (c), subject to value search carried out as on 30.06.2014. High value account” means a
pre-existing individual account with a balance or value that exceeds an amount equivalent to USD 1000,000 as
on 30th June, 2014. 252 Low value account” means a pre-existing individual account with a balance or value
that exceeds an amount equivalent to USD 50000 but does not exceed an amount equivalent to USD 10,00,000
as on 30th June, 2014 In case of pre-existing entity accounts, there is a threshold limit is USD 250,000 above
230 which accounts are identified to be reportable or not. 3. New account” means a financial account maintained by
a reporting financial institution opened on or after July 01, 2014. New accounts had to be on boarded on
01.09.2016. However actual on boarding has been from January 01, 2016, i.e. all accounts opened from January
01, 2016 are FATCA compliant from the date of account opening. 4. Accounts reportable (Individual) if US indicia
found like:
Name the Committee that recommended setting up of Customer Service 8.0 NOV 2003 RBI CONSTITUTED THE COMMITTEE ON PROCEDURES AND PERFORMANCE AUDIT OF PUBLIC
231 the Banking Codes and Standards Board of India SERVICES UNDER THE CHAIRMANSHIP OF SS TARAPORE TO ADDRESS THE ISSUES RELATING TO AVAILABILITY OF
(BCSBI)? ADEQUATE SBANKING SERVICES TO THE COMMON MAN
252
The Banking Codes and Standards Board of India Customer Service 8.0 SOCIETY UNDER THE SOCIETIES REGISTRATION ACT,1860 IN FEB 2006.
232 (BCSBI) has been registered as a 253
Membership of BCSBI is open to scheduled banks and Customer Service 8.0 VOLUNTARY
233 is………………...? 253
The main objectives of the BCSBI are? Customer Service 8.0 1.TO PLAN,EVOLVE,PREPARE,DEVELOP,PROMOTE AND PUBLISH COMPREHENSIVE CODES AND STANDARDS FOR
BANKS,FOR PROVIDING FOR FAIR TREATMENT TO THEIR CUSTOMERS.2 TO FUNCTION AS INDPENDENT AND
AUTONOMOUS BODY TO MONITOR AND TO ENUSRE THAT THE CODES AND STANDARDS ADOPTED BY BANKS
234 ARE ADHERED TO,IN LETTER AND SPIRIT,WHILE DELIVERING SERVICES TO THEIR CUSTOMERS.
253
A copy of BCSBI Code of banks' commitments to Customer Service 8.0 CPBMVISIBLE
CUSTOMER,PROMINENTLY QUESTIONS 1 - 900HALL
IN BANKING
235 customers should be given to…… 255
Under Policy on Customer Grievance Redressal of the Customer Service 8.0 YES
Bank, every branch should have a Complaint Book
made available for the customer to enable the
236 customer lodge a written complaint. Is the statement
true?
260
If a customer is unable to visit your branch but wants Customer Service 8.0 HE MAY LODGE HIS COMPLAINT ON ALTERNATE CHANNELS,CONTACT CENTRE TOLL FREE NUMBERS 1800 425
237 to lodge a complaint against the Branch for deficiency 3800 , 1800 11 22 11 OR 080 26599990 OR THROUGH SMS UNHAPPY CHANNEL BY SENDING SMS 'UN HAPPY '
of service, how could you assist him? TO NUMBER 8008 20 20 20
260
In case a Customer makes a written complaint, how do Customer Service 8.0 The Branch shall make efforts to ensure that the redressal of the complaint takes place expeditiously and in any
you solve it as an Branch Manager? case within a maximum period of three weeks. If for any reason the Branch is unable to redress the grievance
238 within three weeks, the customer will be informed of the reasons and the action taken for early redressal
260
Will you as a Branch Manager make available the Customer Service 8.0 YES,WILL BE MADE AVAILABLE AT BRANCH
239 addresses and contact details of the Customer Service
Department of the Local Head Office?
260
Which of the following grounds of complaint could be Customer Service 8.0 ANY COMPLAINT RELATING TO DEFICIENCY IN BANKING SERVICES SPECIFIED UNDER CLAUSE 8 OF BANKING
240 referred by the customer to Banking Ombudsman? OMBUDSMAN SCHEME 2006
262
Why should you conduct a Town HALL meeting as a Customer Service 8.0 Town hall meetings are a way for the Bank to meet its constituents, either to hear from them on topics of
241 Branch Manager? interest or to discuss specific upcoming products or processes BM-VOL-1-Pg NO.269
The technique of sending hidden messages along with Customer Service 8.0 Steganography technique (used by terrorist, defence, secret services).
242 photo video attachments is known as BM-VOL-1 Pg NO.212
243 KYE stands for Customer Service 8.0 Know Your Employee (KYE) – A KYE exercise to be conducted to know about the staff at the branch BM-VOL-1;Pg NO.15
The Account Opening Forms along with other Customer Service 8.0 T+1 BASIS
244 documents and enclosures are reported to LCPC on
BM-VOL-1;Pg NO.16
245 There are ____ areas in Centralised Project Ganga Data Quality Issues 4 BM-VOL-1;Pg NO.352
Your branch, a retail branch has sizeable number of Data Quality Issues they will be treated as unsecured loans and very high level of capital will be provided considering they are high
Gold Loans, Loans against Govt Securities and Loans risk loans
against Bank deposits. Staff are not in the habit of
incorporating the collateral amount in respect of this
246 loans. You insist on updating of collateral in these
accounts as it has a bearing on ________
BM-VOL-1;Pg NO.350
247 YONO stands for ? Digital Banking 12.0 Vol I YOU ONLY NEED ONE
248 YONO app can be downloaded or accessed from Digital Banking 12.0 Vol I GOOGLE PLAY STORE
Which of the following is not the feature of Digital Digital Banking 12.0 Vol I
249 Savings Account ?
Which product (s) are covered under YONO Rising Star Digital Banking 12.0 Vol I YONO REGISTRATIONS
250 Campaign ?
Khata plus account under CINB can be upgraded into Digital Banking 12.0 Vol I No
251 which next higher variant
In Vyapar what is the maximum transaction amount Digital Banking 12.0 Vol I 50 lacs
252
Vyapar account under CINB can be upgraded into Digital Banking 12.0 Vol I VISTAAR
253 which next higher variant
For the purpose of RFIDs, NHAI has divided all types of Digital Banking 12.0 Vol I Seven
254 vehicles into …….categories under SBI FASTag
Under SBI FASTag monthly reload limit and annual Digital Banking 12.0 Vol I Monthly 10000/-, annual 100000/-
255 reload limit of a Limited KYC holders account is capped
to…
State Bank Buddy is a mobile wallet, available in how Digital Banking 12.0 Vol I 13 languages
256 many languages
In SBI Buddy, SBI customers can transact up Digital Banking 12.0 Vol I 100000
257 ………...amount per month after KYC, using the Power
Up option within the wallet
Under Bharat QR, the customer makes payment to Digital Banking 12.0 Vol I BY SCANNING A STATIC OR DYNAMIC QR CODE
258 merchant by …….
Under BHIM SBI Pay, per day per transaction limit is Digital Banking 12.0 Vol I 100000
259 ……………
Under BHIM SBI Pay, payment modes are…………… Digital Banking 12.0 Vol I UPI
260
Which of the following option is true about SBI Mingle Digital Banking 12.0 Vol I 1)Pay to a Facebook friend or phone contact directly from your bank account without any of the beneficiary
app? details. 3. Locate Merchants / Shops through App and pay them directly from your SBI account 4. Find SBI ATMs
261 and branches using augmented reality and maps 5. On click banking features like blocking your lost card,
checking balance etc
262 Value added service under NUUP is……. Digital Banking 12.0 Vol I Value Added Services (VAS): QSAM (Query Service on Aadhaar Mapper) or *99*99#
263 In pre-login section under State Bank Anywhere Digital Banking 12.0 Vol I AVAILABLE facilities like Bharat Bill Pay (BBPS), SB Collect (Multi Modal Payment Portal), Aadhaar Linking
Personal app, which option is not available? (update Aadhaar with Bank Accounts – CIF), mcash (Claim Money) and Mobile/Bill Pay (SBI-InstaPay and SBI-
OxiPay) facilities
Ms Aditi is running a boutique in Kanpur and requires Digital Banking 12.0 Vol I CINB -SARAL
online transaction facility in her business account.
264 Which product can be offered to her under CINB
facility of SBI.
Ms Rajni has SBI Buddy app in her Anroid mobile with Digital Banking 12.0 Vol I SBI BUDDY DEREGISTRATION AND LATER ON OBTAIN CINB AND THEN REGISTER AND LOGIN TO SBI BUDDY
her phone number registered for the app. Now she MERCHANT APP
wants to use SBI Buddy merchant app for her Clothes
businesss. What you will suggest to Ms. Rajni, as per
265 features of the SBI Buddy Merchant app to make her
eligible for SBI Buddy Merchant app?
Mr. Anurag wanted to return the Shirt which he Digital Banking 12.0 Vol I Transfer money from the wallet back to their bank account or mCASH (DOUBT)
bought from Shoppers Stop company for improper fit.
Shoppers Stop company owner Mr Amber processed
the payment on SBI Buddy Merchant app at the time
266 of purchase. Using which of the following, Mr Amber
can initiate refund to Mr Anurag on the app?
Ms Arushi travels to Mumbai from Navi Mumbai by Digital Banking 12.0 Vol I SBI FAST TAG
road atleast 2 times a week for official purpose. She
feels irritated the she has to spend a lot of time at the
Toll gate in between. Which one of the following
267 products will help Ms Arushi to drive through the Toll
gate without stopping to pay Toll tax?
Mr. Ramesh owns a commercial vehicle and has Digital Banking 12.0 Vol I Out of the total toll collection at National Highways, approximately 70% of toll is being collected from
interstate licence and he wants to reduce his waiting commercial vehicles. As the usage of the FASTag and the value of toll is more in case of commercial vehicle, it is
time at Toll Plazas. Nearby Branch Manager beneficial for the Bank to onboard commercial vehicles for SBI FASTag.
approaches and offers SBI Fast tag to the customer.
268 Which of the following is not an incentive to the Bank
to promote SBI FASTag to commercial vehicle owners?
Mr. Arun, a non SBI Customer, recently shifted to Digital Banking 12.0 Vol I YONO BY SBI
Hyderabad from Chennai. He wants to open an online
Aadhar based saving bank account without visiting
269 any branch. Which APP of SBI can help him in this
regard ?
A YONO customer working in a private company is in Digital Banking 12.0 Vol I Rs 2,00,000/-
an urgent need of funds and he wants to avail
PAPL(Pre approved personal loan) but he does not
270 know whether he is eligible for the same and if so,
then maximum how much amount he will get.
Through yono app after registration with inb credentials

A YONO customer working in a private company is in
an urgent need of funds and he wants to avail
271 PAPL(Pre approved personal loan) but he does not Digital Banking 12.0 Vol I
how he will get the loan and from where. Pl advise
him..
Corporate ID is mandatory for which of the following VYAPAAR,VISTAAR& KHATA PLUS

272 Digital Banking 12.0 Vol I
CINB variant?
CINB variant consisting of a simplified single user SARAL
273 interface with functional and security features similar Digital Banking 12.0 Vol I
to Retail Internet banking facility called
Which Document is required for creation of C3
Administrator Role in CINB?
Which Document is required for creation of Regulator Digital Banking 12.0 Vol I C2
275
Role in CINB?
SBI has recently launched an integrated omni-channel Digital Banking 12.0 Vol I YONO
276
digital platform named.........
YONO is an integrated omni-channel digital platform where customer can access a variety of financial services
277 What is YONO and how it is helpful to customer? Digital Banking 12.0 Vol I such as taxi bookings,online shopping,medical bill payments etc.
Who creates Corporate ID, in the Branch interface Inb checker
under CINB?
279 In INB, PPK is a unique ______ digit number. Digital Banking 12.0 Vol I 10
Which are the CINB products having transactions SARAL,VYAPAAR,VISTAAR
facility
281 How many Regulator roles can be created? Digital Banking 12.0 Vol I 2 SUPER ENQUIRER AND UPLOADER CORP INB MANUAL PAGE 8
The role of Regulator is mandatory in which of the Digital Banking 12.0 Vol I VISTAAR
282 following CINB variant? CORP INB MANUAL PAGE 7
Which of the following variant is compatible to Digital Banking 12.0 Vol I Vyapaar
283 upgrade from Khata? PAGE 363
Which of the following is a Non Transaction variant? Digital Banking 12.0 Vol I KHATA AND KHATA PLUS
284
PAGE 364
285 Which of the following is a Transaction variant? Digital Banking 12.0 Vol I SARAL, Vyapaar and vistaar PAGE 363
Which variant of CIINB is compatible to SRI Pvt. Ltd, Digital Banking 12.0 Vol I Vyapaar
operating in single location having multiple CIF with
286 multiple accounts maintained in single branch of SBI?
PAGE 363
If you want to map CINB VISTAAR, which roles are to Digital Banking 12.0 Vol I REGULATOR AND ADMINISTRATOR
287 be created from branch? PAGE 363
Corporate user has submitted C7 form, what is to be Digital Banking 12.0 Vol I MAKER PP Kits  Map Kit to Corporate and enter Corporate ID > click “Go” ETC
288 done by the branch? CORP INB MANUAL PAGE 7
Corporate Regulator/Administrator has forgotten his Digital Banking 12.0 Vol I IN INB BRANCH INTERFACE, REQUESTS, REISSUE LOGIN PW, CORPORATE IN MAKER THEN AUTH IN CHECKER
289 password. What is the path for reissuing login
password?
CORP INB MANUAL PAGE 71
Corporate wants to upgrade from Khata plus. Which Digital Banking 12.0 Vol I Vyapaar and vistaar
290 of the following variant can it be upgraded?
PAGE 362, 363
A company is having Branch Network at multiple VISTAAR
291 locations. Which of the following variants is Digital Banking 12.0 Vol I
compatible?
292 Internet Banking Site should be accessed by Digital Banking 12.0 Vol I TYPING DIRECTLY THE URL IN THE ADDRESS BAR
Personal Banking Business Unit dashboard is available Digital Banking 12.0 Vol I MY WORK PLACE / DEPARTMENTS 2 / PERSONAL BANKING BUSINESS UNIT
293
in SBI Times at _______
SHOULD NOT BE
294 Browser's facility to 'remember my credentials' / Digital Banking 12.0 Vol I
'remember Password' in our computer _______ used
Working Results (Profit / Loss) of the Branch can be MY WORK PLACE / USEFUL LINKS 2 / MIS ONLINE NEW / PROFILES / BRANCH / BUSINESS / REVIEW
ascertained from Info.sbi (SBI Times)
CENTRALISED PROJECT GANGA
296 Deviations in credit and operational parameters which Digital Banking 12.0 Vol I
are to be rectified in CBS are shown in ______ website
EXCEPT (I) POWER OFCPBM QUESTIONS
ATTORNEY HOLDER1SHOULD
- 900 BE A RESIDENT OF INDIA, (II) THE POWER OF ATTORNEY
SHOULD BE EXECUTED ON A STAMP PAPER/PLAIN PAPER AND IN A MANNER AS THE CASE MAY BE AS
APPLICABLE TO THE COUNTRY IN WHICH THE POWER OF ATTORNEY IS EXECUTED, (III) STAMP DUTY SHOULD BE
PAID IN INDIA WITHIN THREE MONTHS OF RECEIPT IN INDIA BUT BEFORE THE EXECUTION OF LAON DOCUMENT,
AS APPLICABLE IN THE STATE WHERE IT IS TO BE SUBMITTED, (IV) PHOTOGRAPH OF THE POA HOLDER SHOULD
BE PASTED ON THE POA AND IT SHOULD BE ATTESTED BY EXECUTANTS/MAKER OF POA. THE POA
EXECUTANTS/MAKER SHOULD SIGN THE POA IN FRONT OF OFFICIAL OF INDIA EMBASSY/CONSULATE/HIGH
COMMISSIION IN THAT COUNTRY WHERE THE POA EXECUTANTS/MAKER RESIDES. THE OFFICIAL WILL ALSO
When a Power of Attorney for execution of Home Loan ATTEST THE SIGNATURE OF POA EXECUTANTS/MAKER, (V) POA EXECUTANTS/MAKER MUST AFFIX HIS/HER
297 documents is executed by an NRI outside India, which Home loans Vol 4 SIGNATURES ON EVERY PAGE OF THE POWER OF ATTORNEY. HOWEVER, IN ALL THE CASES THE CONFIRMATION
of these is not correct? ON PRESCRIBED FORMAT WILL BE OBTAINED DIRECTLY FROM POA EXECUTANTS/MAKER AFTER EXECUTION OF
THE LOAN DOCUMENTS BY POA HOLDER. THE DISBURSEMENT IN THE ACCOUNT WILL BE MADE ONLY AFTER
THE RECEIPT OF CONFIRMATION LETTER FROM POA EXECUTANTS/MAKER
SECTION 25 OF THE PAYMENT AND SETTLEMENT SYSTEM ACT, 2007 PROVIDES PUNISHMENT FOR DISHONOR OF
Mr. Rohit is maintaining housing Loan A/C in your ELECTRONIC FUNDS TRANSFER ON ACCOUNT OF INSUFFICIENT FUNDS ETC. THE PROVISIONS OF SECTION 25 OF
Branch. The credit in housing loan A/C is coming THE SAID ACT ARE SIMILAR TO SECTIONS 138, 139, 140 & 146OF THE NEGOTIABLE INSTRUMENT ACT DEALING
298 through ECS of his account maintained with HDFC. ECS Home loans Vol 4 WITH DISHONOR OF CHEQUES AND PROVIDE PUNISHMENT FOR THE SAID OFFENCE. OPERATING UNITS MAY
has failed. Your F.O approached you and sought your TAKE LEGAL RECOURSE ON DISHONOR OF ECS OR SI WITH THE SAME RIGOUR AS THEY WOULD HAVE TAKEN FOR
guidance in this respect. How to guide him? DISHONOR OF NEGOTIABLE INSTRUMENTS. HOWEVER, IT IS NECESSARY TO OBTAIN A COUPLE OF CTS-2010
COMPLAINT CHEQUES FROM CUSTOMERS AS SECURITY CHEQUES IN ADDITION TO ECS/SI MANDATE
HOME LOAN
A customer has purchased a flat from his own source
of fund two months ago. His daughter's marriage is
299 approaching and he does not have adequate fund for Home loans Vol 4
that and approaches you for a loan. Can you help him
with a suitable product that will have less interest
burden on him as well as longer repayment period?
MARKETING ASSOCIATE
Shri Pramod is a reputed builder with whom we have
300 tie up arrangement. Shri Pramod has been engaged as Home loans Vol 4
our External Sourcing Entity and he would work in
capacity of
301 A customer has approached you for a home loan. The Home loans Vol 4 RS.32 LAKS
property price is Rs.40 lacs. What is the eligibe loan
amount in rupees that can be sanctioned to him based
on LTV ratio?
302 A customer has availed a Realty loan from us. What Home loans Vol 4 10 years
should be the repayment period for this loan?
303 Mrs. Sunita is a succesfull doctor. She owns a piece of Home loans Vol 4 APPLICABLE FOR HOME LOAN TO NON.SALARIED SEGMENT : DIFFERENTIAL OFFERINGS LOAN AMOUNT IS
land in Kolkata and a house in Hyderabad. He wants to MIN.50000/- AND MAXIMUM 50 CRORES 1.. PER MISSIBLE LTV
purchase a flat in Bangalore now. Under which product RATIO UP TO 30 LACS 90% ABOVE 30 LACS TO 75 80% ABOVE 75 LACS 75% 2.LOANS UP TO 20 LACS
will you appraise the loan? ONLY TERM LOAN LOANS ABOVE 20 UP TO 3 CRORS TL/OD LOANS ABOVE 3 CRORES TERM
LOAN ONLY 3. EMI/NMI RATIO MINIMUM LOAN
AMOUNT IS 20 LACS MINIMUM NAI IS 3 LACS MINIMUM RISK GRADE IS 3
Additional EMI/NMI Ratio Eligibility Criteria
Upto 5%
LTV ratio upto 65% OR
Liquid Collateral of 7.50% of loan amount.
Above 5% and upto 10% LTV ratio upto 60% OR

Liquid collateral of 15% of loan amount
Above 10% and upto 15%. LTV ratio upto 50% OR
Liquid collateral of 25% of loan amount
304 Mr Sudhanshu is an NRI customer of our bank. He is Home loans Vol 4 CPBM
ELIGIBLE FOR NRI HOME QUESTIONS
LOAN 1. AT THE 1PLACE
- 900OF THE PROPOSED PROPERTY/CONSTRUCTION 2. AT A CENTRE
interested in availaing a home loan from us for buying WHERE NRI CUTOMERS IS ALREADY HAVING ONGOING RELATIONSHIP WITH ONE OF OUR BRANCHES 3.AT THE
a residential property in Mumbai. However, he is PLACE OF RESIDENCE OF INDIA BASED POWER OF ATTORNEY HOLDER OR CO.BORROWER/ GUARANTORS IF ANY
leaving India within 3 days and wants to complete the
formalities before leaving. How can you help him?
305 Mr Ravi and Mr Suresh are friends. Both are buying Home loans Vol 4 36 MONTHS
their flats in the same project- High Rise India which is
a 24 floor tower. Mr Ravi is buying at 7th floor and Mr
Suresh is buying at 14th floor. The project has just
started and they want maximum moratorium period
that they are eligible for. What will be moratorium
period that we can grant to them?
306 A customer has an existing flat in her name. She wants Home loans Vol 4 BRIDGE LOAN
to move to a bigger apartment coming up near Noida.
But as real estate price is really down in NCR region,
she does not want to sell her existing flat right now
and wants to wait and watch for another one year.
How can you help her ?
307 Mr Kanhaiya is a group C employee and wants to buy a Home loans Vol 4 RS.18 LACS
flat by availing home loan from SBI. He has chosen a
property of price Rs. 20 lacs. How much loan can you
sanction based on LTV ratio?
308 Which of these statements is correct regarding Reverse Home loans Vol 4 LOAN FOR THE WELFARE FOR SENIOR CITIZENS OF INDIA 1.Single (subject to conditions)
Mortgage Loan or jointly with spouse
2.Above 60 years
3.Minimum age of spouse
When loan is availed jointly with the spouse: Above 58 years
When loan is availed in single name: Not applicable 4. Residual Life of property should be at least 20 years in
case of single borrower and 25 years in case of spuse being below 60 years of age.
309 Maximum tenor of loan on which subsidy will be Home loans Vol 4 20 YEARS
calculated under PMAY scheme is
310 Maximum loan amount under Loan Against Property Home loans Vol 4 RURAL AREAS NOT GIVEN TO LOAN AGAINST PROPERTY 1.The properties located inSemi
(LAP) at Rural & Semi Urban Cetres with population of Urban areas i.e. places with population above 10000 and upto 1lac will also be eligible for finance under the
up to 1 lac is Scheme in Goa and Kerala only
2. For properties located in Semi Urban areas i.e. places with population above 10000 and upto 1 lac the
maximum LTV Ratio will be 55%.
311 A minimum CIBIL score of .......is required for a person Home loans Vol 4 700
to become eligible for SBI Loan Against Property (LAP)
Scheme
312 SBI Privilege/ Shaurya Home Loans cannot be granted Home loans Vol 4 AGRICULTURISTS
for
313 A customer has net monthly salary of Rs.80000.00. He Home loans Vol 4 While computing maximum eligible loan amount, expected rent accruals from the
stays in a company provided accommodation and is proposed house/flat being let out (net of taxes, cess etc.) may be reckoned, subject to
purchasing a ready to move flat. He wants to put that maximum amount equivalent to the applicant’s Net Monthly Income(NMI)/Net Annual
flat on rent. He expects a rental income of Rs.30000.00 Income (NAI). NMI Is Rs.110000/-
from that flat. For ariving at his Home Loan Eligibility,
what should be his NMI?
314 Which of these statements is not correct regarding Home loans Vol 4 Two insta to up loans cannit be granted
Insta Home Top up loans
315 Which of these statements is not correct regarding SBI Home loans Vol 4
FlexiPay Home Loans
316 Which of these statements is not correct regarding Home loans Vol 4
Pradhan Mantri Awas Yojna
317 Home Loans cannot be granted for the purpose Home loans Vol 4 CPBM QUESTIONS 1 - 900
of________.
318 The Power of Attorney for execution of Home Loan Home loans Vol 4 Spouse,
documents is restricted to close relatives which does Father, Mother, Brother, Sister, Children, Father-in-Law and
not include _________. Mother-in –Law in respect of NRI/PIO borrowers.
319 Which of these statements is incorrect regarding Home loans Vol 4

repayment and loan tenor of SBI Realty loan?
320 Execution of Home Loan documents on the basis of Home loans Vol 4 After execution of the documents by the POA holder for and
power of attorney is permitted in case of _________. on behalf of NRI/PIO, a written confirmation to be obtained
from the NRI/PIO concerned by way of a letter confirming
execution of the documents by the POA holder including
creation of security by way of mortgage.
321 Cost of furnishings/ interiors that can be added to the Home loans Vol 4 10% of the cost of the house/flat or Rs. 50 lacs, whichever is lower will be permitted towards Interiors/ viz. Page no:38
project cost in a Home Loan is __________. wardrobe, modular kitchen, floorings, fixtures, fittings, etc.
322 Facility of switch-over of Home Loan interest rates Home loans Vol 4 UPTO 30 LAKH – 2000 + GST,
from Base Rate/ SBAR to MCLR is available at ______.
323 A doctor (self employed) has approached us for home Home loans Vol 4 Rs:100000/-
loan. Our sourcing Branch has requested the
concerned RACPC to add back depreciation for arriving
at his Net Annual Income. The depreciation amounts
as shown in his audited Financial Statements are : In
2017 - Rs. 1,00,000/-, in 2016 - Rs. 1,20,000/-, in 2015
Rs. 90,000/-. What will be the amount of
depreciation that should be added back in this case?
324 Many companies are acquiring residential units for use Home loans Vol 4 Sbi corporate home loan
by their directors, promoters and employees. What is
the structured product to extend home loan to this
segment.
325 For our existing Home Loan borrowers, EMI/NMI ratio Home loans Vol 4 55.00% 105
applicable to their Car Loan proposals up to Rs. 5.00
Lacs is
326 Home loan may be sanctioned for reimbursement of Home loans Vol 4 for take-over of Home Loans, Page no 2
investment made by the borrower in housing during iii) Small expenditure like furnishing, wood work will not be considered for reimbursement. Reimbursement
the preceding 12 months subject to some conditions. will also not be permitted for investment made in acquiring vacant plots,
Which option is not a correct one. iv) The property proposed to be financed should be free from all encumbrances,
v) Quantum of reimbursement will be based on (a) the present market value of the property as per the valuer’s
certificate less margin (arrived based on maximum permissible LTV), or (b) the investment made by the
borrower less margin, whichever is lower. Expenditure receipts should be obtained and kept on record.
327 A product SBI Bridge Home loan has been launched by Home loans Vol 4 SHORT
our bank . It is a ………………. Term loan to bridge the
cash flow mismatch of the customer.
328 While calculating Net Monthly Income, regular Home loans Vol 4 2 YEARS
income from all sources including performance/
production linked incentives; bonus, overtime etc. can
be considered, in whole or in part, on the basis of the
average of the last-------- years, to arrive at the total
eligible loan amount.
329 A customer has approached you for a home loan take Home loans Vol 4 No. NO TAKEOVER FOR PROPERTY UNDER CONSTRUCTION.
over from HDFC. The loan is only 6 months old and still
under construction. Is this proposal acceptable for
take-over?
330 To avail of a loan under SBI Reverse Mortgage Loan Home loans Vol 4 60 years
scheme, the age of the first borrower should be above
331 Bank will submit the claims under PMAY scheme to Home loans Vol 4 NHB
332 Loan Against Property (LAP) can be given as a Home loans Vol 4 ONLY TERM LOAN
333 Maximum loan under PMAY MIG-II scheme is Home loans Vol 4 FOR SUBSIDY – 12 LAKH. OTHERS – NO LIMIT
……………….
334 Maximum loan amount available under Insta Home Home loans Vol 4 5 LAKH
Topup loan is
335 The maximum loan amount for repairs/ renovation Home loans Vol 4 10 LAKH
under Home Loans should not generally exceed
________.
336 A customer has approached us for a home loan. After Home loans Vol 4 YES
going through his salary slip you have found out that
the customer gets a monthly reimbursement of travel
expenses of Rs.5000.00 regularly. Can you add this to
his net income?
337 Mr Sunil has applied for a home loan. The market Home loans Vol 4
value of property is Rs. 80 lacs and he has entered into
an agreement to sale with the Builder for an amount
of Rs.78 lacs. Based on LTV ratio, what is the maximum
loan that you can sanction to him ?
338 Mr Raman has his own piece of land worth Rs. 40 lacs. Home loans Vol 4 30 L
He wants to construct a house on is and the estimated
cost of construction is Rs. 30 lacs. He wants maximum
quantum of loan. What is the maximum loan that can
be sanctioned to him?
339 A customer has purchased a piece of land on Home loans Vol 4 COMMERCIAL RATE OF INTEREST SHOULD BE COLLECTED
15.03.2018 for construction of a house under SBI
Realty. However he completes his construction after 7
years. How do you handle the situation?
340 Mr. Manav is working in a Central Govt department Home loans Vol 4 72 YEARS
(pensionable job) and is 53 years of age. He wants to
avail home loan with maximum tenor possible. What
is the maximum tenor of loan that you can offer?
341 Mr. Srinivas, director of ABC Construction Company Home loans Vol 4 Home Loan proposals may be considered after obtaining deviation from DGM (B&O) in cases where Sanctioning
wants to purchase a flat in project Happy House that Authority is upto the rank of SMGS-V. Where the Sanctionoing Authority is a Credit Committee, the necessary
has been developed by his own company ABC details should be incorporated in the loan proposals to enable the sanctioning authority to take a view in the
Construction only. Can we offer him a home loan for matter. In all such cases, necessary due diligence should be carried out to ensure that the transaction is genuine.
the same?
342 Mr Madhu has two daughters- Sita and Gita. Sita is Home loans Vol 4 YES
married and Gita is unmarried. Both Sita and Gita are
school teachers. Mr Madhu wants a home loan from
us and wants to include both hid daughters as co-
borrowers. Can we accept?
343 Mr Ravi has entered into an agreement to sale with a Home loans Vol 4 YES . WE CAN GIVE UNDER CATEGORY -I OF HOME TOP UP LOAN
builder for Rs. 50 lacs for buying an apartment in
Pune. Actual market value of the property is Rs. 60
lacs. He has taken a loan of Rs.35 lacs from us in
January, 18. He needs another Rs. 3 lacs rupees. Can
we help him?
344 Mrs. Sunita is a succesfull doctor. She owns a flat in Home loans Vol 4 UNDER CRE HOME LOAN SCHEME
Kolkata and a house in Hyderabad. She wants to
purchase a flat in Bangalore now. Under which product
will you appraise the loan?
345 Smt Mala has approached you for a house Home loans Vol 4 PMAY ELIGIBLE
construction loan as she has heard that Govt is giving
subsidy for construction of house. She owns a land of
85 sq.m and earns Rs 5.2 lac per annum. She has no
other house and she is the only earning member in her
family. Under which product will you appraise the
loan?
346 Mr Suresh having Net Annual Income of Rs 5.00 lacs Home loans Vol 4 YES UNDER MIG – I & MIG – II. NOT ELIGIBLE INDIVIDUALLY UNDER EWS A& LIG
and his adult son Mr Umesh having Net Annual
Income of Rs 8.00 lacs. both want to buy two adjacent
apartments in a project and want to avail two home
loans in their individual name. They do not have any
other pucca house. Can we sanction PMAY (Pradhan
Mantri Awas Yojana) loan individually to them?
347 Mr Sudhanshu is an NRI customer of our bank. He is Home loans Vol 4 YES ,POA PROVIDED TO HIS CLOSE RELATIVES.
interested in availing a home loan from us for buying a
residential property in Mumbai. However, he is leaving
India within 3 days and wants to complete the
formalities before leaving. How can you help him?
348 Mr Ravi and Mr Suresh are friends. Both are buying Home loans Vol 4 Moratorium applicable for Both up to 36 months for Constuction of Total Project completion of 24 floors.
their flats in the same project- High Rise India which is
a 24 floor tower. Mr Ravi is buying at 7th floor and Mr
Suresh is buying at 14th floor. The project has just
started and they want maximum moratorium period
that they are eligible for. What will be moratorium
period that we can grant to them?
349 A customer has an existing flat in her name. She wants Home loans Vol 4 BRIDGE LOAN
to move to a bigger apartment coming up near Noida.
But as real estate price is really down in NCR region,
she does not want to sell her existing flat right now
and wants to wait and watch for another one year.
How can you help her ?
350 Mr Ram is a group D employee and wants to buy a flat Home loans Vol 4 Rs.27.00 LAKHS (90% APPLICABLE FOR UPTO 30.00 LAKHS)
by availing home loan from SBI. He has chosen a
property priced at Rs.30 lacs. How much maximum
loan can you sanction based on LTV ratio?
351 A customer wants to avail a home loan from us.While Home loans Vol 4 Cost of insurance of the property has to be borne by the customer and we have to debit his account
explaining various charges that are payable by the
customer, the RM(PB) mentions that he has to give a
cheque of Rs.25000.00 for insuring his house against
flood, earthquake etc. The customer gets very angry
and expresses his inability to pay that amount. How
can you help him?
352 Mr A & his wife Mrs B have approached you for Home loans Vol 4 Restricted to maximum 3 including spouse/children/parents/siblings. However, AGM (Region)/AGM (Branch) can
construction of house on a piece of land owned by relax maximum number of co-borrowers provided the repayment is made through an account with Bank in the
both of them. They want their two sons (both Govt joint names of all the borrowers.
employee) to join them as co borrowers as MR A &
Mrs B have no income of their own. Can you sanction
a home loan jointly to all of them?
353 Ms Sunanda is an IT sector employee aged 35 years. Home loans Vol 4 If co -Borrower is there , she will get
She is eligible for Rs.30 lacs loan under our Home Loan
Scheme as per her net monthly income. The flat
proposed to be purchased costs Rs. 56 lacs. She wants
us to increase the loan quantum if possible. Can we
help her?
354 A customer aged 45 years has approached us for a Top Home loans Vol 4 MAXIMUM 15 YEARS
Up loan against his home loan. The original Home loan
was availed by him 3 years ago and the tenor of the
Home loan is 15 years. What will be the maximum
tenor of his Top Up loan?
355 A businessman customer has submitted last 3 years' IT Home loans Vol 4 I.T. Returns for last three years will be obtained for all non-salaried applicants however, the maximum
returns with his net annual income in 2017 being Rs.8 permissible loan amount will be calculated based on Net Annual Income appearing in the latest Income Tax
lacs, in 2016 being Rs. 5 lacs & in 2015 being Rs. 4.80 Return.
lacs. What will be his net annual income for appraising
his loan eligibility?
356 Mr. Sampad wants to have a home loan. While Home loans Vol 4 ABOVE 10000 UPTO 50000 – DGM, UPTO 10000 - AGM OR RCC
scrutinizing his CIBIL Report, you have noticed that a
vehicle loan is appearing in his report with written off
status. The write off amount is Rs.16500.00. What
action should you take?
357 Mr. Ravi Teja has approached you for a home loan. Home loans Vol 4 CIBIL report is real time. Therefore “Enquiries:” section of the report comes handy for ascertaining the number
While going through his CIBIL report you could see of lenders with whom the borrower is talking about different credit facilities. Extra precaution may be exercised
multiple enquires with various Finnacial Institutions in cases where more than 2 enquiries of the same product and same amount are observed within a space of last
for nearly the same amount of Home loan in the past 1 month. In such cases one more report may be pulled out prior to disbursement and status of those enquiries
one month. What should you do in such a situation? may be ascertained from the borrower.
358 You are posted in Park Street Branch Kolkata as RMPB. Home loans Vol 4 (i) either at the place of construction, or
Mr Ravi who is buying a flat at DLF Project, Kolkata is (ii) place of employment/profession/business activity, or
working in Pune and has sumbitted his Home loan (iii) at a place of residence, or
application at your Branch. The loan has been (iv) at a Branch located at other centre where he/she has ongoing relationship for last two years, by securing
sanctioned by RACPC Kolkata but Mr Ravi is not able the loan repayment through check-off facility or by obtaining post-dated cheques/ECS/S.I. as per extant
to come for documentation due to work pressure. How instructions.However, this option should be extended only on a selective basis, in respect of loan proposal of
can you help him? businessmen/industrialists etc., keeping in view the apparent risks involved in this regard.
359 Shri Ranjit, Branch Manager has received a Home loans Vol 4 Post sanction inspection to be conducted
disbursement request for the 2nd installment of a
home loan from Shri Ajit. Shri Ranjit has visited
construction site of Shri Ajit once at the time of pre
sanction visit and another at the time of first
disbursement.
360 Shri Ranvir Kapoor is working in Sasan Power Private Home loans Vol 4 (i) either at the place of construction, or
Limited located at Sasan and wishes to purchase flat at (ii) place of employment/profession/business activity, or
Bangalore. He is maintaining Salary Account with (iii) at a place of residence, or
Lucknow Branch from last 1 year. Nearest branch from (iv) at a Branch located at other centre where he/she has ongoing relationship for last two years, by securing
his workplace is Sasan branch and nearest branch from the loan repayment through check-off facility or by obtaining post-dated cheques/ECS/S.I. as per extant
his residence is Hyderabad branch. He can not avail instructions.However, this option should be extended only on a selective basis, in respect of loan proposal of
housing loan from which of the mentioned centre businessmen/industrialists etc., keeping in view the apparent risks involved in this regard.
361 Ms Deepika is an NRI based at US and working in IBM. Home loans Vol 4 She can avail home loan at any one of the undernoted centres:
She wishes to avail Home Loan to purchase one flat at (i) At the place of the proposed property/construction,
Agra. She is maintaining account at Kanpur branch (ii) At a centre where NRI customers is already having ongoing relationship with one of our Branches,
from last 7 years. She has given Power of Attorney to (iii)At the place of residence of India based Power of Attorney Holder or co-borrower/guarantors, if any.
his father Shri Prakash who is based at Varanasi. She
can avail housing loan at
362 Shri Prabhaas has been sanctioned a SBI Realty loan Home loans Vol 4 5 years from the date of first disbursement of the Loan.
from Mahishmati branch on 24/04/2017 and the loan Borrower will be required to submit completion certificate of the house within the stipulated period of 5 years
was disbursed on 02/05/2017.. What should be the
maximum time period stipulated for construction of
house?
363 Shri Amarendra Baahubali has been sanctioned a SBI Home loans Vol 4
Realty loan from Mahishmati branch on 24/04/2017
and the loan was disbursed on 02/05/2017.Which one
of the following statement is not correct in respect of
SBI Realty Loan?
364 Ms Sivagami Devi has availed SBI Realty Loan from Home loans Vol 4 IMMEDIATE REPAYMENT
Kalikeya Branch on 07/10/2017. When will repayment
start for Ms Sivagami Devi?
365 Ms Rama Malini has availed Loan against Property Home loans Vol 4 From next month of disbursent date with out any mortgage& max repayment period is 15 years
(LAP) from Ramgarh Branch on 05/06/2014. When will
repayment start for Ms Rama Malini?
366 Mr Sardeep Desai is owning residential property at Home loans Vol 4 LTV Ratio
Gurgaon and present market value of property is Rs Upto Rs. 1 crore is 65%
90.00 lacs. What will be permissible LTV ratio if Mr Above Rs. 1 crore & upto Rs. 7.50 crores is 60%
Sardeep wishes to avail Personal Loan against
Property?
367 Shri Gurmeet Chawla has been sanctioned Loan Home loans Vol 4 After completion of every 3 years a Fresh valuation report to be obtained i.e., 01.05.2020
against Property (LAP) on 04/05/2017. Valuation
report given by valuer is dated 02/05/2017. When will
next valuation of property to be taken?
368 Shri Peeyush Goyal is Central Governement Employee Home loans Vol 4 SBI Privilege Home Loan: Employees ofCentral/ State Governments (including PSBs, PSUs of Central Government,
and his age is 44 years. His annual income is Rs 8 lacs and other individual(s) with pensionable service.eldest borrower age must be less than 45 years. With a
and he wishes to avail SBI Privilege Loan. Which of maximum repayment period of 30 years or up to borrower attains 75 years
these facts is not correct in respect of SBI Privilege
Loan?
369 Shri Akshay Shetty has been sanctioned Home Loan Home loans Vol 4 The ‘Agreement to Mortgage’ and ‘Tripartite Agreement’ (entered into by the Borrower, the Builder and the
for financing a flat In January 2018. The completion of Bank) are obtained as security documents pending creation of equitable mortgage in respect of Home Loans
flat will take another 12 months. What are the security sanctioned for purchase of a residential unit/flat in an under-construction project i.e. where the obtention of
steps which will be taken by branch pending creation Sale Deed and creation of equitable mortgage is scheduled to take place on a date subsequent to the full
of equitable mortgage? disbursement of the Home Loan and after completion of the project. The ‘Agreement to Mortgage’ executed by
the Home Loan borrower and the ‘Tripartite Agreement’ executed by the Home Loan borrower and the Builder
contain several undertakings/covenants, which provide the Bank with legal recourse to recover its dues in case
of default by the borrower/builder.
370 Shri Shatrunjany is purchasing a flat from Shri Ripunjay Home loans Vol 4 Agreement to Mortgage will be executed on tripartiate agreement with Banker, Shri Shatrunjany (purchaser) &
and has executed Agreement to Sale. Shri Shatrunjay Shri Ripunjay(seller).
has approached us for home loan. TIR shows that flat
is in name of Shri Ripunjay. Which one of these
statements is correct?
371 Ms Namrata has availed home loan from Allahabad Home loans Vol 4 Request letters from borrower to his existing financier and to the Bank for repaying the existing loan.Letter from
Bank and now wishes to switch over to our Bank. Bank to the borrower's existing financier to close the borrower's loan account.For take over of residential units
Which statement is not correct in respect of Take over where construction of the underlying property is complete, possession is taken and mortgage process is
of Home Loan? complete, a letter of undertaking is to be taken.( Format Part-II, Annexure-HL-O).
372 Shri Nitin is a Branch Manager of Dibru Branch and has Home loans Vol 4 YES. Nature of Takeover
called you for clarification. He has been approached by Maximum permissible LTV Ratio
a customer who wishes that his Home Loan and his Ratio
Top Up loan may be switched to our bank from Axes Takeover of only Home Loan with automatic waiver of Interim Security/Third Party Guarantee (TPG) in eligible
Bank. What will you advise him? cases
75%
Takeover of Home loan where takeover of top up loan is also involved
75%
All other Home Loan Takeovers
(a) For Loan limit upto Rs.30 lacs - 90%
(b) For Loan limit above Rs.30 lacs and upto Rs.75 lacs - 80%
(c) For Loan limit above Rs.75 lacs – 75%
373 Ms Jacqueline has availed Home Loan with Mr Home loans Vol 4 IT DEPENDS ON THE LOAN & REASON TO OBTAIN GUARANTOR FOR THE FIRST LOAN. IT IS NOT NECESSARY.
Salmaan as guarantor. Now Ms Jacqueline wishes to
avail Home Top Up Loan.
374 Ms Jyotsana's Home Loan was taken over from ' Home loans Vol 4
Divided Bank of India' in March 2018. The loan was
sanctioned in July 2013 and regular repayment is being
done in account from past 48 months. As on May
2018
375 As per the Retail Scoring Model of Home Loan, the risk Home loans Vol 4 HE IS ELIGIBLE FOR LOAN (CLEAR SANCTION)
grade of a customer is 2. What type of customer is he?
376 If the property value is Rs. 50 lacs, how much loan can Home loans Vol 4 LTV RATIO 80%( RS 40 LAKHS)
you sanction as per LTV ratio?
377 Ms Sonam is a doctor and married. She wants to gift Home loans Vol 4 YES, WE CAN SANCTION
her mother a flat. Can we sanction a Home Loan to
Ms. Sonam and her mother jointly if both of them
want to co-own the property?
378 Shri Jagat Mal has approached our Morwa branch for Home loans Vol 4
home Loan. He is purchasing house property from an
elderly couple who have executed power of attorney
in favour of his son. Which one of these statements is
not correct in respect of Power of Attorney
379 Tie-ups with reputed builders enable us to book Home Home loans Vol 4 BUILDER WHO HAVE MINIMUM 5 YEARS EXPERIENCE, BUILDER AFFILIATED TO THE INDUSTRY BODY OR ISO
Loan business from borrowers with a relatively low CERTIFICATION , CIBIL TO BE VERIFIED, THE CONSTITUTION OF THE BUILDER SHOULD PROPRIETORY OR
risk profile. Which among the following statement is PARTNERSHIP ETC.
incorrect as regards the eligibility criterion for a
builder to be considered for a tie-up?
380 With respect to Builder Tie-Up,the Project under Home loans Vol 4 BUILDER WHO HAVE MINIMUM 5 YEARS EXPERIENCE, BUILDER AFFILIATED TO THE INDUSTRY BODY OR ISO
consideration should fulfill some of the criteria . CERTIFICATION , CIBIL TO BE VERIFIED, THE CONSTITUTION OF THE BUILDER SHOULD PROPRIETORY OR
Which among the following is not a criterion for the PARTNERSHIP ETC.
same?
381 OPAS facilitates digital approval and control of the Home loans Vol 4 ONLINE PROJECT APPROVAL SYSTEM
projects, helps decrease the TAT for builder tie-up
process and increase builder tie-up penetration. What
is full form of OPAS?
382 The Bank has entered into tie-up arrangement Home loans Vol 4 HOUSING LOAN COUNSELLORS, MARKETING ASSOCIATES, SBI CAP etc.
with .......... as our Corporate Agent for marketing of
our Home Loans .
383 Which of the following options is not correct regarding Home loans Vol 4 Na
the eligibility criteria of builders under builder tie up?
384 Which of the following options is not correct regarding Home loans Vol 4 Na
the eligibility criteria of projects under builder tie up?
385 Which of the following is not correct regarding builder Home loans Vol 4 Na
tie-up?
386 Quantum of Home Loan under SBI Flexi pay is Home loans Vol 4 1.2 times the loan quantum calculated as per the normal EMI/NMI Ratio method, subject to stipulated LTV
norms. However, customer will be free to choose lower loan amount.
EMI for the purpose of calculation of EMI/NMI ratio for arriving at the loan quantum will be worked out based
on the number of EMIs for full loan tenor i.e. 360 EMIs in case of 30 year loan, 300 EMIs in case of 25 year loan
and so on.
387 What is the minimum age of the applicant for Home loans Vol 4 18 years
applying for home laons?
388 80% LTV ratio is required for housing loans Home loans Vol 4 Above 30 lakh Upto 75 lacs
389 Ramesh is an existing housing loan customer has Home loans Vol 4 24,40,000.00
availed loan 5 years back, the present outstanding is
Rs. 50.00 lakh. The present market value as per
valuation of the property Is Rs. 93.00 lakh. What is the
maximum home top up loan eligibilty as per LTV ratio.
390 Sri Mohan is a HNI client having existing home loan, Home loans Vol 4 Purchase of Plots located outside municipal/corporation area will be permitted only in cases where the plots are
having good track record. He has applied for purchase allotted/developed by Government Bodies/ Development Authorities such as DDA, HUDA, BDA, LDA, etc.
of a plot, which is just outside the municipal area of
Patna City. The cost of the plot is Rs. 50.00 lakh,
however he needs only Rs. 25.00 lakh as loan . He can
be sanctioned loan under SBI realty subject to
391 Paltan is a semi urban branch having good potential Home loans Vol 4 Land conversion should be done invariably
for Per business in the form of housing loans as
urbanisation is happening with faster pace. Many new
housing progects have been started in the recent past.
There are few home loan proposals pending at the
branch. All the proposals are from the same housing
venture and are for purchase of plots situated on
agriculture lands. Which one of the following
precautions is important?
392 In case of Housing Loan, Insurance cover to be Home loans Vol 4 Tenure of the loan
obtained for security for a minimum period of---
393 All title deds and mortgage documents held against Home loans Vol 4 Single Custody, EM register
advances must be kept in the fire proof cabinet by
authorised official in ------custody after being recorded
in---------register.
394 The borrower has been sanctioned housing loan for Home loans Vol 4 At the time of 1st disbursement itself. In this case, insurance can be done now.
construction of house. Payment has to be made phase
wise in 10 instalments based on the progress of work.
So far 2 disbursements are made. Since insurance of
the property is one of the stipulation, at what stage
the borrower should take insurance cover?
395 The borrower had given Post dated cheques towards Home loans Vol 4 1. Contact Customer/employer and arrange for alternative source for payment of EMI. 2. Section 25 of the
repayment of housing loan. After honouring 6 Payment and Settlement System Act, 2007 provides punishment for dishonor of electronic funds transfer on
instalments, 7th cheques was returned unpaid with account of insufficient funds etc. 3 Proceed as per SARFAESI Act upon turning NPA
the reason, 'Account Closed'. What will be the course
of action?
396 What should be the maximum carpet area of house Home loans Vol 4 160 sq mts
that a customer can acquire to be eligible under PMAY
Scheme in CLSS (MIG-I)?
Scheme in CLSS (MIG-II)?
Scheme in CLSS (EWS)?
Scheme in CLSS (LIG)?
400 A customer has approached you for Top Up against his Home loans Vol 4 3 lac
Home loan. He is otherwise eligible for the loan. The
market value of the property is Rs. 30 lacs. Curent
home loan outstanding is Rs.22 lacs. What is his
eligibility under Top Up scheme provided the customer
is having adequate repayment capacity.
401 A customer has approached you for Top Up against his Home loans Vol 4 Rs 7lakhs. But information provided is not adequate.
Home loan. Incomewise he is eligible for the loan. The
market value of the property is Rs. 40 lacs. Current
home loan outstanding is Rs.25 lacs. What is his
eligibility under Top Up scheme provided the customer
is having adequate repayment capacity.
402 Mr. Rajkumar has an existing home loan account with Home loans Vol 4 Customer is eligible for a hassle free top up loan under category 2 .
satisfactory repayment track record of 2 years. He
wants a hassle free loan of Rs. 3 lacs linked to his
home loan. His home loan limit is Rs. 70 lacs. Which
product is suitable for him?
403 Mr. Rajkumar has an existing home loan account with Home loans Vol 4 We can give a top up CPBM QUESTIONS
by obtaining 1 - 900 and to that 80 % can be given
a fresh valuation
wants a hassle free loan under Smart Top Up linked to
his home loan. His home loan limit is Rs. 70 lacs. How
much loan can he get?
404 Mr. Rajkumar has an existing home loan account with Home loans Vol 4 We can give a top up by obtaining a fresh valuation and to that 80 % can be given.
wants a hassle free loan under Smart Top Up linked to
his home loan. His home loan limit is Rs. 70 lacs. How
much loan can he get?
405 Branch M has opened a Home Loan Suraksha account Home loans Vol 4 Branch is correct in obtaining a separate ECS.
for one of their Home Loan Customers. While
obtaining ECS mandate from the customer, they have
obtained two separate ECS mandate- one towards the
Home Loan & the other towards the Suraksha
Account.Is the Branch right in their action?
406 A customer is buying a ready to move property. The Home loans Vol 4 YES. TOP UP LOAN
market value of the property is Rs.80 lacs whereas the
agreement to sale is only for Rs.72 lacs. However the
customer wants some top up loan immediately after
availing the said Home Loan. Can you help the
customer with a suitable product?
407 A customer is buying a ready to move property. The Home loans Vol 4 YES we can give a top up loan for Rs. 5.5 lakhs.
market value of the property is Rs.80 lacs whereas the
agreement to sale is only for Rs.72 lacs. However the
customer wants some top up loan immediately after
availing the said Home Loan. His sanctioned Home
loan limit is Rs.55 lacs. How much loan can you
sanction?
408 Ms. Ritu Kumari has approached us for a LAP against Home loans Vol 4 Rs 32.5 lakhs
her flat in Kolkata. The market value of the property is
Rs. 50 lac. How much loan can be sanctioned to her as
per LTV?
409 Ms. Ritu Kumari has approached us for a LAP against Home loans Vol 4 Repayment period for this loan is 12 years r the period which was sanctioned in the earlier loan whichever is
her flat in Kolkata. The market value of the property is earlier.
Rs. 50 lac and she has been sanctioned a LAP of Rs. 25
lac. Ms. Ritu is 58 years old and can pay the entire EMI
from her salary income. What wil be the repayment
period for this loan?
410 A home loan customer has approached you saying that Home loans Vol 4 We suggest him that its not malicious message. And nowdays sbi is going Digital with the changes with the
he gets a notification whenever he logs in his internet customers needs , and bringing all the services to the customer convenience. Or else you can take the help of
banking. The message says that he has been branch.
sanctioned a Top Up loan against his home loan. He
wants to know if it is some malicious message.How do
you respond to his query?
411 The market value of a property is Rs.1.20 crore. What Home loans Vol 4 78.00 lacs
is the maximum amount of LAP that can be sanctioned
against the property as per LTV?
412 A customer who is 40 years old is eligible for Rs.36 lac Home loans Vol 4 43.20 lacs
home loan under our regular home loan scheme.
What will be his eligibility under SBI Flexipay Scheme?
413 Ms. Revathi has applied a Bridge Home Loan from us. Home loans Vol 4 2 years
What is the maximum repayment period we can offer
her in Bridge Loan?
414 Insta Top Up Home Loan is a fully online driven Home loans Vol 4 Home top-up loan
product. Can you name its offline version?
415 A customer has approached us for a home loan. After Home loans Vol 4 Yes
going through his salary slip you have found out that
the customer gets a monthly reimbursement of travel
expenses of Rs.5000.00 regularly. Can you add this to
his net income?
416 Mr Sunil has applied for a home loan. The market Home loans Vol 4 58.5 lakh
value of property is Rs. 80 lacs and he has entered into
an agreement to sale with the Builder for an amount
of Rs.78 lacs. Based on LTV ratio, what is the maximum
loan that you can sanction to him ?
417 Mr Raman has his own piece of land worth Rs. 40 lacs. Home loans Vol 4 30 lakh
He wants to construct a house on this and the
estimated cost of construction is Rs. 30 lacs. He wants
maximum quantum of loan. What is the maximum
loan that can be sanctioned to him?
418 What could be the maximum Top Up Loan that can be Home loans Vol 4 3 lacs
sanctioned in this case as per LTV ratio considering
income is adequate?
419 Do you require a Title search Report in this case to Home loans Vol 4 No
sanction the Top Up?
420 Which of the following infringements are not covered Important Policies 13
under Data Infringement Policy?
421 One of the following statements is not part of the Important Policies 13 The Gold Retention Limit for a branch should be fixed taking into consideration the following:-
Policy on Gold Retention limit i) Business needs / Potential available.
ii) Past business performance in gold loans.
iii) Law and Order situation prevailing in that area.
iv) Likely threat perceived at such branches.
v) Assessing risk parameters of such branches, in consultation with the Zonal Security officer.
vi) Availability of sufficient storage space for safe custody of gold ornaments pledged to the Bank.
vii) Profitability of the branch. viii) The practice of local business community – agricultural / allied agricultural
activities, etc.
ix) Availability of Security Guards, etc.
422 As per Policy on Cash Retention Limit, Important Policies 13 volume -I, page no 486-87
423 One of the following factors is not considered while Important Policies 13 The following factors are to be considered at the time of arriving at the Cash Retention Limit:
arriving at the cash retention limit a) The location of the branch (hilly, flood prone, difficult terrain etc.)
b) The business level of the branch over the last three years (Average).
c) Future business potential (Budget/ New potential activities in the hinterland).
d) Data on Cash receipts and payments on monthly basis with bifurcation of peak period for Cash receipts
and/or Cash payments and/or net receipts/payments during a month or quarter or half year.e) The practice of
local business community - agricultural /allied agricultural activities and Government development plans, etc.
f) Peak period or slack period may vary for various branches depending upon its business, clientele and
location.
g) Location of linked Currency Chest branch, law and order situation of the locality (dacoity / naxal infested / NE
regional situation / insurgency, political environment. etc.)
h) Availability of Escort (Guard/Police/Home Guards, etc.)
424 While reviewing the Cash Retention limit of a branch, Important Policies 13 Average of peak level requirement of the branch during last 3 years. Cost of remitance to / from the branch/ link
CM (C&R) should consider the following, except: branch during the last year. No of occasation the branch exceeded the retention limit in the last one year and
the reasons thereof. central office interest paid on the actual balance vis-a-vis interest at applicable rate on Cash
Retention Limit.
425 Retention limit for Important Policies 13 CASH AND GOLD

426 Cheque Collection Policy covers guidelines issued by Important Policies 13 Reserve Bank of India (RBI)/IBA/BCSBI
427 Policy on Bulk Deposit is applicable to balances of Rs. Important Policies 13 In accordance with the directives of the Ministry of Finance, Department of Financial Services, Policy on Bulk
1 crore and above in Deposits for Term Deposits of Rs.1 crore and above has been formulated and duly approved by the Executive
Committee of the Central Board in its meeting held on 22nd October, 2014.
428 IT Related services presently covered under Important Policies 13 IT related activities which are presently covered under outsourcing are:
Outsourcing Policy does not include i. Hardware Support and Maintenance
ii. Software Support
iii. System Integrationiv. IV. Network Maintenance
v. Network Monitoring
vi. Operating System (OS) Maintenance
vii. Data Base Administration and Maintenance
viii. Application Development
ix. Data Centre and Hosting Services
x. Centralized Internet Access-Web Security Gateway
xi. Enterprise Messaging System support
xii. Data Warehousing
xiii. ATM Card Personalization
xiv. Debit Card Management System
xv. PIN Printing
xvi. Active Directory Services
xvii. Account Statement Printing
xviii. SAP maintenance
xix. Loyalty Programme
xx. LOS for PBBU, SME and AGRI segments
xxi. LLMS
xxii. Project Management
xxiii. Enterprise & Technical Architecture
xxiv. Business Analysis
xxv. Special Skills- System resources required for implementing technologies related to ATM/Debit card frauds
and other types of fraud monitoring
429 Due Diligence has to be done for proposals received Important Policies 13 Due diligence should involve an evaluation of all information about the service provider including qualitative,
from service providers by analysis of quantitative, financial, operational and reputational factors
430 Gold Retention limit is reviewed Important Policies 13 These limits for RBO & AO may be reviewed at Annual intervals.
431 The provisions of Official Language Act 1963 have Important Policies 13 26th january 1965
come into force on
432 As per Outsourcing Policy of the Bank, following Important Policies 13 Volume-I PAGE NO 470
services can be outsourced, except
433 Risk inherent to outsourcing process does not include Important Policies 13 THE RISKS INCLUDE STRETEGIC, REPUTATION, LEGAL , COMPLIANCE AND OPERATIONAL.
434 Which of the following statements is incorrect Important Policies 13 VOLUME-I PAGE NO 462
regarding Central / State Govt. Pension?
435 Which of the following statements is correct regarding Important Policies 13 Interest for delayed collection shall be paid at the following rates: 1.Saving Bank rate for the period of delay
interest on delayed collections? beyond 7/10/14 days, as the case may be, in collection of outstation cheques, i.e. from 8th /11th /15th day, the
interest will be payable. 2.Where the delay is beyond 14 days, interest will be paid at the rate applicable for
term deposit for the corresponding period or Saving Bank rate, whichever is higher. 3.In case of extraordinary
delay, i.e. delays exceeding 90 days, interest will be paid at the rate of 2% above the corresponding Term
Deposit rate.4.In the event the proceeds of cheque under collection, to be credited to an overdraft / loan
account of the customer, interest will be paid at the rate applicable to the loan account. For extraordinary
delays, i.e. delays exceeding 90 days, interest will be paid at the rate of 2% above the rate applicable to the loan
account. Interest as above shall be payable with a minimum of Rs.25/-. Such interest shall be paid without any
demand from customers in all types of accounts. There shall be no distinction between instruments drawn on
the bank’s own branches or on other banks for the purpose of payment of interest on delayed collection.
436 Gold Retention Limit of the branch should be fixed Important Policies 13 1.Business needs / Potential available . 2. Past business performance in gold loans. 3. Law and Order situation
taking into consideration the following :- prevailing in that area. . 4. Likely threat perceived at such branches . 5. Assessing risk parameters of such
branches, in consultation with the Zonal Security officer. 5. Availability of sufficient storage space for safe
custody of gold ornaments pledged to the Bank. . 6. Profitability of the branch. 7.The practice of local business
community – agricultural / allied agricultural activities, etc. . 8. Availability of Security Guards, etc.
437 Major penalty proceedings will be initiated in case IT Important Policies 13 FOUR
related infringement by the staff has been on more
than _____ instances.
438 Ramesh Rao's a/c has a debit of Rs. 100,000. Mr. Important Policies 13 In case where neither the Bank is at fault nor the customer, but the fault lies elsewhere in the system, the Bank
Ramesh Rao has not issued any cheque or SI. He will help in restoring the actual amount involved and, as a gesture of goodwill & to deal with the customers
lodges a complaint. On verification, the bank discovers fairly, will also compensate the customer with Rs.100/- per Rs.5000/- (maximum Rs.1000/-) for each instance.
that it has happened due to some system error.
439 Srichandra, a bank official, was in urgent need of funds Important Policies 13 If a fraud, in the account of a customer, has been committed by a member of staff, and has been so established,
for treatment of his mother. He debited the account of the Bank will not only restore the amount, it will also pay compensation @ 1% above the applicable interest rate
one HNI of the bank and transferred the funds to his in respect of deposit/overdraft/loan account, for the period, on the amount involved.
daughter's account from where he got the money
withdrawn. On discovering the fraud after complaint
of the HNI account holder, following action should
have been taken by the bank as per Compensation
Policy
440 Lalitpur Branch is situated in an area where there is lot Important Policies 13 sufficient security arrangement at the branch
of business of gold loans. However, it is subject to
occasional riots between two communities for the
past five years. Branch can be given a Gold Retention
limit provided
441 Flood waters entered PBB Dinajpur Branch as it was Important Policies 13 Business Continuity Plan/ Disaster Recovery Plan
situated on a low lying area. Systems came to a halt.
Two days later, flood waters receded. However, the
vendor when contacted for hardware support and
maintenance was not available for the next three days
whereas all other bank branches started functioning.
Such a situation can cause
442 One employee of the outsourced vendor got an Important Policies 13 Operational Risk PAGE NO 476 OF BM VOL I
unauthorised access to the systems room and
transferred Rs. 50 lakhs in 25 transactions from the
account of reputed management institute to various
accounts of his close family members. This was
discovered after five months when the management
institute reconciled the transactions in the account.
the services of the vendor unit was terminated. In this
case the Branch requires management of ----
443 Shri Manu has been assigned for investigation of a Important Policies 13 The details in the complaint should be specific and verifiable.
complaint under Whistle Blower scheme. The
complaint was made by Ms Tanu in respect of
unethical behaviour of her Branch Manager. What is
true in case of Whistle Blower policy
444 Economic Environment, Legal environment, Indian Economic Scenario Vol 1 External environment PAGE NO 477 OF BM VOL I
Sociopolitical environment etc are part of
………….environment.
445 India's current rank in 'Ease of Doing Business' in the Indian Economic Scenario Vol 1 India jumped 30 notches from 130th to 100th position in ease of doing business index, the highest jump by any PAGE NO 5 OF BM VOL I
world is ……. country in a year
446 Which of the options is not a thrust area of SBI right Indian Economic Scenario Vol 1 Thrust Areas are 1.Digital India, 2.Financial Inclusion, 3.Customer Service, 4.Compliance, 5.Risk Management, PAGE NO 6-8 OF BM VOL I
now? 6.Importance of Ethics, 7.Capital Requirement, 8.Resolution of NPAs
447 For real time monitoring, analysis, correlation and Information Security State Bank Security Operations Centre (SBSOC) PAGE NO 210 OF BM VOL I
incident management of IT assets, Bank has set up the
________
448 Information Security is all about ensuring ______, Information Security Confidentiality, Integrity & Availability PAGE NO 210 OF BM VOL I
______ & ______
449 You are a Branch Manager of a Medium size branch. Information Security Active Directory disables USB & CD / DVD drive on PCs, Users should also not connect pen drive, dongle, data PAGE NO 210 OF BM VOL I
Staff at the branch is in the habit of downloading cards, cable internet, modem etc. to PC. Use of CD-ROM, DVD is prohibited.
urgent work on their pen drive and carrying it home to
complete the job. For personal comfort some songs
loaded in their pen drive are also played from the
system. Your ITS department has issued a general
cautionary against this practice. What immediate steps
will be taken at the branch ?
450 You have recently joined a branch where Internet Information Security Bank has Corporate Internet Proxy setup is protected by firewall which prevents any connection from outside PAGE NO 211 OF BM VOL I
Security is not strictly followed. Staff access internet the Bank to inside system. This setup also secures our systems from viruses and malicious contents from
sites on their office PC / System. What action would be entering into our systems.
immediately taken by you to secure the system
Users should access Internet only through Bank’s Corporate Internet Proxy setup and not by using Data Card,
Modem, Cable Internet on office PC / system.
451 The accounts opened under the product Codes ‘Pehla Liability Products 2.3 Low Risk Category accounts
Kadam' or ‘Pehli Udan' in the name of minors, are
treated as..............category accounts.
452 Saket Kumar, a customer affected by Leprosy, has Liability Products 2.3 Where the customer cannot even put his / her thumb impression and also would not be able to be physically
approached his branch for withdrawal of Rs.5000/- present in the bank, a mark can be obtained on the cheque /withdrawal form which should be identified by two
from his Saving's Bank account. However, he is not independent witnesses, one of whom should be a responsible bank official.
able to sign on the withdrawal form due to his medical
condition. How would the branch make payment to
him?
453 Nomination in HUF deposit accounts Liability Products 2.3 Cannotbe made
454 Name of the Nominee of a Deposit Account can be Liability Products 2.3 Whenever nomination facility is availed by a customer on any account, the fact has to be indicated in his
printed on the passbook/ deposit advice provided Passbook /Statement of account as a legend "Nomination Registered" indicating the position regarding
availment of nomination facility so that, in case of death of the account holder, the relatives can know from the
Pass book /Statement of Account that the nomination facility has been availed of by the deceased depositor and
initiate suitable action.
455 Savings Bank accounts can be opened by more than 2 Liability Products 2.3 ANY ONE OR SURVIVOR, JOINTLY
persons with which of these modes of operation?
456 In case of Joint Hindu Family Account, if one of the Co- Liability Products 2.3 If one of the Co-parceners dies, Karta can operate the account provided that the deceased has not left a will. In
parceners dies, which of the following statements is the event of Karta dying, operations should not be allowed and payment may be made against the joint
more appropriate regarding operations on the discharge of surviving coparceners
account?
457 The personal laws make a few persons entitled to act Liability Products 2.3 Natural gaurdian
as a guardian on behalf of the minors and such a
Guardian is called a …………….. ?
458 When a joint account holder dies, in the absence of a Liability Products 2.3 YES we can give a top up loan for Rs. 5.5 lakhs.
clause like E or S, F or S, L or S, the balance can be paid
459 In the case of clubs and associations, which of the Liability Products 2.3 On the death of an office bearer, operations on the account should be stopped. However, cheques drawn before
following statement is incorrect regarding operations the death of such office bearer shall be paid. The account will remain dormant till such time the Bank receives a
of the account, if one of the office bearer dies? fresh resolution on the operations in the account.
460 Small account' means a savings account in a banking Liability Products 2.3 BSBDA-Small Deposit accounts are the same as Basic Savings Bank Deposit Account (BSBDA), but are opened
company where when the customer does not provide any Official Valid Document for full KYC. An individual who desires to open
a BSBDA-Small Account may be allowed to open such an account on production of a self-attested photograph
and affixation of signature or thumb print, as the case may be, on the form for opening the account, in the
presence of an official of the Bank.
461 Loan Policy of our Bank is approved by the ……… Loan Policy Central Board of the Bank
462 As per the Loan Policy, while carrying out due- Loan Policy Reserve bank of india
diligence, Central Fraud Registry is to be examined
while processing every loan proposal. Who maintains
the Central Fraud Registry?
463 As per Loan Policy 2018-19, proposals pertaining SME Loan Policy Retail & Digital Banking Group (R&DBG)
segment upto Rs. 50 crores will be handled by....
464 Now National Banking Group (NBG) is renamed as ..... Loan Policy Retail & Digital Banking Group (R&DBG)
465 Which categories are exempted from the preview of Loan Policy
Loan Policy?
466 To avoid instances of fraudsters applying for Car Loans LOS - VOL II Dedupe courier details
at multiple branches simultaneously, which activity in
the LOS should be performed very carefully by the
branches.
467 For entering details of the property in CERSAI portal, LOS - VOL II DDE- Loan details
functionality has been developed in which stage of
LOS
468 Deduplication is done in LOS as a precautionary LOS - VOL II To detect any earlier profile of particular customer
measure and to improve the quality of data .
Deduplication is run.....
469 SMA' is a proactive initiative of NPA Management Loan account not becoming NPA by taking suitable measures
470 SMA' stands for NPA Management Special mentioned account
471 Your Field Officer is confused regarding various SMA NPA Management Principal or Interest payment not overdue for more than 30 days but account showing sign of incipient stress.
classification. As Branch Head, how will you guide him
about accounts which would be covered in 'SMA 0'
category
472 Your Field Officer is confused regarding various SMA NPA Management Principal or Interest payment 3overdue between 31-60 days.
category
473 Your Field Officer is confused regarding various SMA NPA Management Principal or Interest payment 3overdue between 61-90 days.
category
474 While attending Inter Bank quiz, Mohan got the NPA Management Central Repository of information on Large Credits
question what does 'CRILC' stands for. As a team
member, your response would be
475 CRILC' has been set up by NPA Management RBI

476 Report of all defaulting accounts with exposure of Rs 5 NPA Management MONTHLY BASIS
crores and above have to be submitted to CRILC on
477 The Branch/ Operating units should put up 'SMA 0' NPA Management
report as on the last day of calendar month to the
competent authority in prescribed format by
478 On receipt of 'SMA 0' report, the competent authority NPA Management
shall advise/approve the action plan within
479 Which one of these is not an Early Warning Signal NPA Management
480 Which one of these should be covered with Early NPA Management
Review of Sanction
481 Bank has financed a firm and the account turned into NPA Management Bank has every right to file a case on the firm and we have first charge on sundry debt amount.
NPA. The firm is unregistered. Firm has sundry
debtors. How to handle the situation?
482 ABC is Partnership firm having Cash Credit Limit Rs. 25 NPA Management We have to stop the transactions in the CC account. Advised the partnership firm to reconstitute the firm with
lacs. One of the partner A dies. As a Branch Manager latest partners. After that we have to sanction fresh CC limit with latest partners and old CC account should be
what will you do? closed.
483 Mr. X is maintaining one S/B and car A/C in your NPA Management Immediately after the seizure of the vehicle a notice need to be sent to the borrower to pay up the dues to the
Branch and repayment is coming from S/B A/C Bank along with costs of seizure and storage of the vehicle .The valuation of the vehicle should be arranged
through S.I. The S.I failed and all required notice is immediately. An authorized service centre of the manufacturer, a government approved valuer or an insurance
sent to the customer who does not respond. Now how surveyor’s services may be used for valuation. This will help in fixing the base price for auction.
to proceed against him. Immediately after the valuation, the Reserve Price should be arranged to be fixed by the Zonal Office Credit
Committee
The sale of the vehicle would be carried out as per the law and in a transparent manner. The Bank will have
right to recover from the borrower the balance due if any after the sale of the vehicle. Excess amount obtained
if any on the sale of the vehicle will be returned to the borrower. The authorized officer may sell the vehicle
either by public auction, by inviting tenders from public, by inviting quotations from parties dealing in vehicles.
In case of Public auction, the notice of auction should be published in two leading newspapers one of which
should be in vernacular language.
484 You are recently posted as a Branch Manager of Karol NPA Management With the help of csv creator software we will get the required data quickly.
Bagh Branch. There are so many private and Foreign
Banks located in that area. Competition for getting
new customers and retaining existing customers is very
high. You do not have idea about your top customers.
You are also not aware of your NPA borrowers. You
want to have some kind of software which can help
you getting data about top customers, NPA borrowers
etc at a Click of a mouse. Do you have any solution for
this?
485 Mr. Joshi who recently reported as the Branch NPA Management We have to send registered notices to close / renew the KCC accounts within 7 days time. There after file a suit
Manager of Mangrol Branch has found that actual NPA to all NPA accounts.
of the Branch is around 95% and majority of which are
fishermen's loan which was sanctioned 2.5 yrs back by
his predecessor. He submitted the irregularity report
to the Controller. He started field visit and met few
borrowers who have refused to sign revival letters ,
many are not available also. The total KCC NPA
accounts are 412. The following are the suggested
corrective actions which should be taken by the
Branch Manager under Problem Loan Management
except:
486 A loan was sanctioned as on 15.04.2015 and then NPA Management We will accept repayment in loan account to regularize the account.
borrower came for repayment after the due date. The
branch had send the various notices and SMS in time
and had kept a record for it.
487 Who is the empowered authority to take a decision on NPA Management Branch Manager
repossession of vehicle in case of action under Loan
Agreement?
488 Which of the following statements is incorrect as NPA Management

regards transfer of NPAs from Branch / RACPC to
SARG?
489 You are the Branch Manager of MMGS-II Branch. NPA Management Account handing over the other empanelled advocate to file suit without delay.
Competent Authorities have approved filing of civil
suit and transfering the outstanding to Recalled Assets
Account, however empanelled Advocate requests you
to permit him to file the case in Civil Court after 5
months as he is going abroad for some personal work.
Which course of action will you take?
490 As a Credit Officer what important precaution you will NPA Management However, some accounts become NPA despite their best efforts. The Branches are required to file Original
ensure before filing of Original Application in DRT? Application for recovery of Bank’s dues before Debt Recovery Tribunal in cases where total debt due from the
borrower is Rs.10.00 lac & above and have not been able to recover Bank’s dues even after taking all possible
actions including restructuring of facilities and action under SARFAESI Act etc
491 As a Credit Officer what should be your demand NPA Management Seeking injunction restraining the defendants from transferring, alienating or dealing with their movable and
during the first hearing in DRT, through your immoveable assets in any manner without prior permission of the Hon’ble Tribunal.
empanelled Advocate?
492 Your Credit Officer has come to you for doubt NPA Management 75% of the amount of debt due as determined by the DRT
clarification. He wants to know what is the amount to
be deposited by the Borrower with the Appellate
Tribunal when Borrower has decided to file an Appeal
with DRAT?
493 Your Junior Level Field Officer is requesting you to NPA Management NO
guide him / her on whether an opportunity may be
given to the borrower to take back the vehicle once
the loan has been recalled and repossession process
has been initiated?
494 What are the actions required before issuing Notice NPA Management The account should be as NPA as per the RBI guidelines. The claim amount should be for an amount not less
under Section 13 (2) under section 13(2) of SARFAESI than Rs.1.00 lakh.
Act, 2002?
495 Your Field Officer is in a confused state of mind NPA Management Compromise & SARFAESI
regarding type of recovery measusres whether Soft or
Hard Recovery Measure to be intitated by a Branch
when loan account beocmes NPA. Which of the
following is a hard recovcery measure?
a. Reminders
b. Telecalling c.
Compromise d. SARFAESI
496 A Centralised Loan Collection System (LCS) has been NPA Management PERSONAL
introduced by our Bank to automate the process of
following up of delinquent customers for collection
and recovery of due amount in ………. segment loans.
497 Through Centralised Loan Collection System (LCS), NPA Management Following up of delinquent customers for collection and recovery of due amount in 'P' Segment loans
follow-up can be made for …………types of accounts.
498 Which one of the following is not an advantage of NPA Management Users of out side agencies can access the system. It causes early disclosure of bank action to borrowers through
Loan Collection System (LCS)? out side agencies.
499 As per RBI Classification SMA-0 is a category NPA Management Principal or interest payment not overdue for more than 30 days but account showing signs of incipient stress
where……..
500 As per the Standard Operating Procedure on NPA Management Initial deposit of at least 5% of the offer amount is to be taken from the borrower
Settlement of Bank's Dues through Compromise, an
initial deposit of at least ……% of offer amount is
obtained from the Borrower as an evidence of his
intention to pursue the compromise settlement with
the Bank.
501 As per RBI Master Circular - Prudential norms on NPA Management i)Interest and / or installment of principal remain overdue for a period of more than 90 days in respect of a
Income Recognition, Asset Classification and Term Loan.
Provisioning pertaining to Advances, an asset account (ii) The account remains 'Out of order'@ for a period of more than 90 days, in respect of an Overdraft / Cash
that is guaranteed by Central Government will be Credit (OD/CC).
treated as NPA if: (iii) The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted
502 Compromise Process will be initiated ……… the Bank NPA Management After the Bank has exercised its right to set off or lien against any deposits of the borrower/guarantor lying with
has exercised its right to set off or lien against any the Bank.
deposits of the borrower/guarantor lying with the
Bank.
503 In case of Compromise Settlement, the …………………... NPA Management realizable value of security
of security charged to the Bank as also the Bank's
ability to sell the security will be the basic factors
which would decide the compromise amount.
504 In case ofCompromise Settlement for arriving at the NPA Management the higher value has to be taken into account for deciding the compromise amount.
compromise amount for cases where the value of
security is Rs. 1 cr and above , two valuation reports
from Bank's approved valuers have to be obtained and
the ........... value has to be taken into account for
deciding the compromise amount
505 An award made by the Lok Adalat is deemed to be a NPA Management Civil court
decree of a …………. court and is final and binding on all
parties.
506 In case of a loan that has been settled in Lok Adalat NPA Management 36 months
The compromise amount may be agreed to be paid in
monthly/quarterly instalments or depending on the
income generation of the defendant. However, such
repayments should be made within a period not
exceeding a total period of ...... months.
507 Which of the folowing is not correct with respect to NPA Management ---
seizure of vehicle based on terms of loan agreement?
508 Which of the folowing is not correct with respect to NPA Management ----
seizure of vehicle on the basis of SARFAESIAct ?
509 The Branches are required to file Original Application NPA Management 10 LAKHS
for recovery of Bank's dues before Debt Recovery
Tribunal in cases where total debt due from the
borrower is ……….. lac & above
510 An award made by the Lok Adalat is deemed to be a NPA Management decree of a civil court and is final and binding on all parties.
511 You are the Chief Manager of the RACPC in a Metro NPA Management SIX NOTICES
Centre, your Maintenance Officer requests to guide
him regarding how many notices are required to be
sent to the borrower (Other than Guarantor) before
effecting the sale of the Car?
512 Newly reported Credit Officer of your Branch asks you NPA Management DRT/Civil Court to be informed suitably in consultation with the Advocate handling the matter regarding
as to whether action under Sec. 13(2) of the SARFAESI initiation of action u/s 13(2) of the Act, where, suit is pending at DRT/Civil Court.
Act, can be initiated in respect of the borrowers'
whose cases have been pending with DRT/Civil Court?
513 Which of the following statements is most appropriate NPA Management

in respect of NPA Management? Maintaining the quality of existing standard assets and initiating effective measures to upgrade their quality
whenever deterioration in their quality is apprehended or noticed including New Loan Collection System.
514 Monetary ceiling of cases in Lok Adalats to be NPA Management our branches can participate in Lok Adalats to be organised by DRTs/DRATs irrespective of the amounts involved
organised by DRTs/DRATs in the cases (page 322)
515 Is presence of Bank official required during NPA Management Presence of Bank official is not required while repossessing (page 330)
repossession of vehicle?
516 In case of seizure of Cars / Vehicles under Auto Loan NPA Management 1)Immediately after the seizure of the vehicle a notice need to be sent to the borrower to pay up the dues to
Scheme, what is the trigger point for seizure? the Bank along with costs of seizure and storage of the vehicle 2)Controllers have to ensure that the possession
and resale of the seized vehicle should be completed within 3 months of intimation of such action so that
maximum amount is realized.
517 Authorised Officer has the authority to initiate action NPA Management Authorized Officer has the authority to initiate action under the Act and issue notices. As per the Security
under the SARFAESI Act Interest (Enforcement) Rules, 2002 (the Rules), ‘Authorized officer’ means an officer not less than a Chief
and issue notices as per the Security Interest Manager of a public sector bank or equivalent
(Enforcement) Rules? Here who is referred to as
Authorised Officer? (Choose the most correct option.)
518 As per RBI Classification SMA-2 is a category NPA Management Principal or interest payment overdue between 61-90 days
where……..
519 Which of the options is not considered as early NPA Management
warning signal for stressed asset management?
520 Which one of the following is not a Soft Recovery NPA Management All the loan cases of default of 3 EMIs have to be handed over to the recovery agents for seizure of the vehicle
Measure available to the Bank to recover Bank dues? and for further course of action, with the permission of the Controlling Authority
521 In case of settlement of Bank's Dues through NPA Management initial deposit of at least 5%
Compromise Offer, in normal circumstances, which of
the following amounts will always be the least?
522 Can a Branch consider the Compromise Offer given by NPA Management **
the Willful Defaulter? (Select most correct answer)
523 Which of the folloiwng is the benefit of settling Bank's NPA Management **
dues under Compromise Offer? (Select most suitable
answer)
524 Copy of stipulated terms and conditons letter covering NPA Management It should be the endeavour of the Branches to get the entire compromise amount paid up in a lump sum. In
sanction of Compromise Offer is required to be cases where the amount is agreed to be recovered in instalments, normally at least 15% of the approved
conveyed to …………. settlement amount (inclusive of initial deposit) would be payable upfront with the balance instalments spread
over a maximum period of 12 months. To incentivise early payment, no interest is to be charged on the
compromise amount paid within three months from the date of approval of compromise conveyed to the
borrower even in cases of compromise settlement on instalment basis
525 An award made by the Lok Adalat is deemed to be a NPA Management decree
……………….. of a Civil Court and is final and binding on
all parties.
526 Lok Adalat is a forum where ................. accounts / NPA Management disputes
cases / disputes can be referred to and settled
amicably.
527 Branches can participate in Lok Adalats to be NPA Management 20 lakh

organised by DRTs/DRATs involving an amount up to
Rs…………………….
528 Compromise settlement from a fraudulent borrower NPA Management **

will be allowed only with the condition
that .........................................................
529 The valuation report should be less than …………… NPA Management 12m
months/ year old for sale of properties for initiating /
considering under Private Treaty/SARFAESI Act 2002
and Settlement of dues through compromise.
530 The second valuation report should be obtained only if NPA Management Valuation Report should be less than 12 months old for fixing Reserve Price. Two valuation reports to be
the……………………….is Rs 1.00 crore and above in case obtained for properties valued above Rs.1.00 Crore.
of compromise settlement & fixation of Reserve Price
under SARFAESI Act 2002.
531 Application for Compromise Settlement given by the NPA Management Terms of offer and Normally along with the compromise offer letter, an initial deposit of at least 5% of the offer
NPA borrower should ideally contain…………. amount is to be taken from the borrower under no lien account as an evidence of the borrower's bona fide
intention to pursue the compromise settlement with the Bank
532 You are Senior Officer heading Credit Portfolio of the NPA Management CPBM QUESTIONS 1 - 900
Branch. Your junior Credit Officers asks you as who Facts contained in the draft plaint are to be verified by the Branch official concerned.
should check / verify the facts contained in the draft Legal aspects have to be verified by the Bank’s Law Officer.
plaint and legal aspects contained in the plaint?
533 Your newly reported Field Officer is seeking your NPA Management Value of security is above Rs.1.00 lakh
guidance on what is the criteria of minimum amount
of loan outstanding for initiating action for seizure of
vehicles on the basis of term Loan Agreement?
534 Your Junior Level Field Officer is requesting you to NPA Management The bank will hand over the possession of the asset to the borrower any time after repossession but before
guide him / her on whether an opportunity may be concluding the sale transaction, provided the Bank dues are cleared in full or a compromise settlement has been
given to the borrower to take back the vehicle once reached between the borrower and the Bank.
the loan has been recalled and repossession process
has been started?
535 Your Branch Manager has engaged the services of NPA Management Before entering into any compromise settlement, details of uncharged assets of the borrowers and guarantors
investigative agencies to obtain the latest statement of should be collected either by engaging the services of investigative agencies or otherwise, viz., obtaining Wealth
assets & liabilities of borrowers/guarantors and also to Tax Return, obtaining latest statement of assets & liabilities of borrowers/guarantors, an affidavit from
obtain a list of unencumbered assets of a borrower borrowers/guarantors. Realizable Value of uncharged assets also is to be considered for deciding the
who has approached your Branch for compromise acceptability of compromise amount.
settlement. This act of BM is................
536 You have finalised a Compromise Settlement proposal NPA Management In cases where the amount is agreed to be recovered in instalments, normally at least 15% of the approved
with a Borrower where the payments will be done on settlement amount (inclusive of initial deposit) would be payable upfront with the balance instalments spread
installment basis. Normally what percentage of over a maximum period of 12 months.
approved settlement amount will you ask the
customer to pay upfront in this case?
537 A customer of your Branch has approached you for NPA Management Compromise settlement
compromise settlement of his loan account that has
remained NPA for quite some time now and a case is
pending before the court on account of this. Total
outstanding and unpaid interest in the account comes
to approx. Rs. 12 lacs.What is most suitable option
available to you?
538 You have an NPA account in your Branch and you want NPA Management Monetary ceiling of cases to be referred to the Lok Adalat organized by Civil Courts is Rs. 20 lacs. Further, our
to file a suit against the customer. The outstanding branches can participate in Lok Adalats to be organised by DRTs/DRATs irrespective of the amounts involved in
including unpaid interest and other charges is approx. the cases.
Rs. 8 lacs. In which court will you file the suit?
539 Which one of the following is a disadvantage of Loan NPA Management 317 & 318
Collection System (LCS)?
540 An account is classified as SMA-0. What does it mean? NPA Management Principal or interest payment not overdue for more than 30 days but account showing signs Of incipient stress
541 An account is classified as SMA-1. What does it mean? NPA Management Principal or interest payment overdue between 31-60 days VOL-2;Pg no.320
542 Which one of the following is not a Hard Recovery NPA Management Leverage recovery agents: All the loan cases of default of 3 EMIs have to be handed over to the recovery agents VOL-2,Pg no.277
Measure available to the Bank to recover Bank dues? for seizure of the vehicle and for further course of action, with the permission of the Controlling
Authority.Controllers have to ensure that the possession and resale of the seized vehicle should be completed
within 3 months of intimation of such action so that maximum amount is realized.. Legal/Compromise:
Recovery proceedings through legal route/compromise through Lok Adalat may be resorted immediately to
recover the dues.
543 Which of the following is not a Soft Recovery Measure? NPA Management SMS,TELE-CALLING,SENDING NOTICES,PERSONAL VISITS VOL-2,Pg no.275
544 RBI has introduced three categories of Special Mention NPA Management Principal or interest payment not overdue for more than 30 days but account showing signs of incipient stress VOL-2,Pg no.320
Accounts (SMAs). Which of these is SMA-0?
545 RBI has introduced three categories of Special Mention NPA Management Principal or interest payment overdue between 31-60 days VOL-2,Pg no.320
546 RBI has introduced three categories of Special Mention NPA Management Principal or interest payment overdue between 61-90 days VOL-2,Pg no.320
547 Settlement under Compromise invariably involves NPA Management write off and/or waiver of a portion of its dues. VOL-2,Pg no.321
certain sacrifice by the Bank by way of
548 In suit filed cases, approval from the concerned court NPA Management To be obtained VOL-2,Pg no.273
for referring the case to Lok Adalat
549 CGFSEL stands for NPA Management Credit Guarantee Fund Scheme for Education Loans VOL-2,Pg no.318
550 To be eligible for cover under CGFSEL, which of these NPA Management Secured EL
conditions is not required to be fulfilled by a student
borrower?
551 Civil suits are to be filed immediately on approval but NPA Management 3 months
in any case within a maximum period of ........... from
the date of approval.
552 After re-possession of the vehicle, Bank may sell the NPA Management 2 leading newspaper atleast of which should be in vernacular language
vehicle by public auction, the notice of which should
be published in
553 Under SARFAESI Act, 2002, if the amount mentioned in NPA Management 60 days/ 13(4)
the demand notice is not paid within the time
specified ........ from the date of notice under ......., the
Authorised Officer may take possession of the secured
assets of the borrower including the right to transfer
by way of lease, assignment or sale for realizing the
secured asset.
554 Which of the following statements is not correct in NPA Management --

respect of valuation of movable and immovable assets
during post possession process and sale of property
through e-auction?
555 Which of the following statements is not correct in NPA Management --

respect of fixation of Reserve Price during post
possession process and sale of property through e-
auction?
556 The centralised new Loan Collection System (LCS) NPA Management Managing and recording follow up NPA. 2. this is for P segment loans 3. System will follow up with various
launched in the Bank would oversee all these communication
functions except
557 We should take pro-active action for encouraging NPA Management --

compromise proposals from defaulters. Which of
these would not be called a proactive action in this
regard?
558 Which of the following statments is not correct in NPA Management --

respect of the Compromise process initiated for
recovery of Bank dues?
559 Subhash Singh has approached his branch with a NPA Management Yes, 5% of the offer amount
compromise proposal wherein he intends to deposit
Rs. 1.00 Lac against the total outstanding of Rs.1.40
Lac in his car loan account. The car has been sold by
the Bank after re-possession and Subhash is not in a
position to repay the entire outstanding as he
sufferred a huge loss in his business. What will be the
minimum amount he should deposit with the offer
letter as an evidence of his bona fide intention to
pursue the settlement with the Bank?
560 Raghuraj Pratap, a wilful defaulter, has requested his NPA Management --
branch to settle for a compromise in respect of his old
personal loan account. Which of these will not be
considered by the Branch while processing his request
for compromise?
561 Who is the authority for granting approval for auction NPA Management REGIONAL MANAGER
of gold ornaments in case gold loan account becomes
irregular?
562 Which of the following is not a soft recovery measure NPA Management
Recovery through soft measures like regular follow-up, contacting the borrower through telephone, sending
SMSs, meeting the borrower personally, sending ordinary notices, meeting the guarantor, referring the cases to
Lok Adalat/ Bank Adalat, settlement under Bank’s OTS/RBI OTS Schemes and recovery through compromise
settlements in appropriate cases.
563 Which of the following is not an early warning signal NPA Management
for identifying the potential NPAs Financial: Financial Early Warning Signals (EWS) include bouncing of cheques, failure of SIs / ECS, availing
unsecured loans from other Banks/FIs.
b. Physical: Disability/ Death of the borrower or key member of the family.
c. Others: Suspension / Termination of services by the employer.
564 Under which section of SARFAESI act, Bank can issue NPA Management U/S 13(2) OF SARFAESI ACT, 2002
notice to the debtors of the default borrower to make
the payment to the Bank directly instead to the
borrower.
565 Under CGTMSE, which action can be considered as NPA Management

initiation of legal action?
566 What amount of claim will be considered by CGTMSE? NPA Management
567 Does notice served trhough Lok Adalat will have any NPA Management Lok Adalat has been given statutory status under the Legal Services Authority Act, 1987. An award made by the
impact? Lok Adalat is deemed to be a decree of a civil court and is final and binding on all parties.
568 Does notice served trhough Lok Adalat will have any NPA Management Lok Adalat has been given statutory status under the Legal Services Authority Act, 1987. An award made by the
impact? Lok Adalat is deemed to be a decree of a civil court and is final and binding on all parties.
569 Advance value of gold ornaments per gram of different Other Demand Loans Vol IV 25.00%
level of purity (24/22/20/18 carats) is computed by
keeping a margin of -------- on the market value
570 Mr. Nanda wants to take delivery of gold ornaments Other Demand Loans Vol IV
pledged by his friend Mr. Suresh who is undergoing a
jail term in connection with an offence. Mr.Nanda
approaches you for help. Which of the following is not
a step for delivery of ornaments?
571 Which of these Gold Loan schemes has the maximum Other Demand Loans Vol IV Gold loan- bullet repayment
repayment period of 12 months
572 Repayment under which of these Gold Loan schemes Other Demand Loans Vol IV Personal gold loan,liquid gold scheme
is required to be made by way of EMIs
573 Which branch can sanction Online Loan against Other Demand Loans Vol IV Specialized securities finance branch
Shares?
574 Whether part delivery of ornaments can be given to Other Demand Loans Vol IV Yes
borrower ?
575 What is margin requirement in case of Loan against Other Demand Loans Vol IV 40.00%
NSCs/ KVPs
576 What type of charge do we have in case of Loan Other Demand Loans Vol IV ASSIGNMENTOF POLICY
against Life Insurance Policy
577 Who is responsible for ensuring genuineness and Other Demand Loans Vol IV Cash officer
purity of gold ornaments?
578 Which of these is not a current variant of our Gold Other Demand Loans Vol IV
Loans
579 In which of these Gold Loan schemes, both Interest Other Demand Loans Vol IV GOLD LOAN- BULLEt repayment
and Principal are payable at the end of the loan term
580 Margin required to be maintained in case of loan Other Demand Loans Vol IV 40.00%
against NSCs/ KVPs is
581 Online Overdraft against TDRs/ STDRs can be granted Other Demand Loans Vol IV SINGLE NAME ONLY
to customers having Fixed Deposits in
582 In which of these gold loan variants, there is no Other Demand Loans Vol IV GOLD LOAN BULLET REPAYMENT
requirement to service the interest or instalment
during the loan term and has to be paid at end of
tenure?
583 Which one of these is not a prescribed method to test Other Demand Loans Vol IV OTHER THAN TOUCH STONE, NITRIC ACID AND SPECIFIC GRAVITY
genuineness and purity of gold ornament
584 A Gold Loan customer has repaid his loan partly and Other Demand Loans Vol IV On written request of the borrower, part delivery of
wants to get some of the gold ornaments released ornaments may be given against part repayment of the loan,
before final closure of loan. Is part delivery of provided the advance value of the ornaments still in the
ornaments permitted in this case? Bank’s possession fully cover the outstandings in the account. The borrower’s acknowledgement for receipt of
ornaments delivered to him should be obtained in the Gold
Loan Ledger
585 DRDAs maintain their separate identity but functions Overview of AGRI Business 4.0- Vol II ZILLA PARISHAD
under the chairmanship of the Chairman of -------------
586 DICs functions under the ---- Overview of AGRI Business 4.0- Vol II Directorate of Industries
587 A BC has to provide a security deposit to be Bank Overview of AGRI Business 4.0- Vol II BC provides a security deposit to be Bank:
----------- a. Up to 1000 CSPs: Amount equivalent to two days average turnover per CSP with a minimum security deposit
of Rs.10 lakhs.
b. Beyond 1000 CSPs: apart from above Additional security deposit of Rs.10 lakhs for every block of next 1000
CSPs.
An individual also may be appointed as a Business Correspondent by a selection committee at the Regional
Business Office. The Individual Business Correspondent is Customer Service Provider or the Kiosk Operator and
he/she cannot appoint any other person as a kiosk operator except a sub kiosk operator for business continuity.
Individual BC provides a security deposit of average turnover of 2 days with a minimum of Rs.50000/-.
588 AEPS stands for Overview of AGRI Business 4.0- Vol II AADHAAR ENABLED PAYMENTS SYSTEM
589 Kiosk Application is maintained by ------------- Overview of AGRI Business 4.0- Vol II Financial Inclusion &Government Services (FI&GS) department
department at GITC, Belapur
590 IMPS stands for--- Overview of AGRI Business 4.0- Vol II IMMEDIATE PAYMENTS SERVICE
591 Rabi season starts from ---- Overview of AGRI Business 4.0- Vol II 1ST OCTOBER CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 242
592 GoI provides -----% p.a interest subvention to Bank on Overview of AGRI Business 4.0- Vol II 2, 3 CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 254
crop loans and Bank pays ---------% interest subvention
on prompt paying borrowers
593 AB3 document in Agriculture Loan is taken for Overview of AGRI Business 4.0- Vol II MORTGAGE OF THE PROPERTY CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 268
594 NCDEX is Overview of AGRI Business 4.0- Vol II COMMODITY EXCHANGE CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 257, 258
595 An application for crop loan for Rs. 1.00 lakh was Overview of AGRI Business 4.0- Vol II AS PER SCALE OF FINANCE OF THE CROP GROWN CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 242
received . On enquiry it was found that the farmer
actually has 2 acres of land. The value of land is Rs.
3.00 lakh. Maximum amount of KCC loan under
revised scheme which can be granted to Farmer
without collateral security of Land is________.
596 Repayment due dates based on cropping pattern for Overview of AGRI Business 4.0- Vol II DATE FIXED BY SLBC/DLTC OR 31ST JULY CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 247
Rabi crop (mono) is
597 KCC account should be ----------- every year to continue Overview of AGRI Business 4.0- Vol II REVIEWED CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 246
the limit during the KCC validity period of 5 years.
598 While sanctioning Agriculture Gold Loan, in which Overview of AGRI Business 4.0- Vol II HYDERABAD, CHENNAI AND KERALA CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 251, 252
circle there is relaxation in Gold assessment to be
done by reputed appraiser, if loan value is above Rs. 1
lac.
599 Maximum permissible loan limit under Produce Overview of AGRI Business 4.0- Vol II 50 LAKH CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 258
Marketing Loan per borrower for a period not
exceeding 12 months is
600 Collateral security upto which amount is waived if Overview of AGRI Business 4.0- Vol II 10 LAKHS CPBM (GENERAL) MANUAL_VOLII_1025 PAGE 259
Ware House Receipt (WHR) Issued by approved
warehouses (Not managed by Collateral warehouses)
is available?
601 What is the maximum repayment period in case of Overview of AGRI Business 4.0- Vol II 72 MONTHS
Asset Backed Agri. Loans
602 Sri Raju applied for a tractor under Modified New Overview of AGRI Business 4.0- Vol II REJECTED, MINIMUM LAND HOLDING 2 ACRS
Tractor Loan Scheme (MNTLS) and he has 1.5 acre of
land holding, what is the minimum Land holding
criteria to consider the loan application under
MNTLS ?
603 __________ of loan limit should be in the form of Overview of AGRI Business 4.0- Vol II 30.00%
time deposit/NSCs/Gold ornaments (as per advance
value) in case of Stree Shakti Tractor Loan Scheme
(With Collateral)
604 Tatkal ( Mortgage free) tractor loan scheme is for Overview of AGRI Business 4.0- Vol II 70 & ABOVE
farmer who score more than-------- in Tractor Credit
Scoring Model.
605 What is incorrect in respect of eligibility criteria for Overview of AGRI Business 4.0- Vol II
financing Poly House
606 In Vrinda Nagar Branch , Mr. Thomas has received Overview of AGRI Business 4.0- Vol II
various complaints regarding the field officer Mr. Arjun
. Complaint states that he takes a long time to process
the agriculture proposal and the time is crucial for
seasonal cultivation. What would Mr. Thomas do to
reverse the trend ?.
607 RSETI stands for Overview of AGRI Business 4.0- Vol II Rural Self Employment Training Institutes
608 DRDA stands for Overview of AGRI Business 4.0- Vol II District Rural Development Agency
609 Name the major sourcing agencies in the tractor loan Overview of AGRI Business 4.0- Vol II
segment - MNTLS and SSTL BANK CHANNEL (BRANCH,AGRI FO), MAPPING OF TRACTOR DEALERS TO NEARBY BRANCHES , ALTERNATE
CHANNELS(BC/CSP/M.S SSL
610 All Agri loans are to be processed through AGRI LOS so Overview of AGRI Business 4.0- Vol II CIBIL/HIGH MARK CREDIT INFORMATION
that the CIBIL score is generated and the LOS score is
also generated.
611 SBI Asset Backed Agri Loan ( also known as Premium Overview of AGRI Business 4.0- Vol II Individual / corporate farmers, partnership firms and companies
Kisan Gold Card) is dedicated to which kind of
customers.
612 Can we finance loans both KCC and PML to the agri Overview of AGRI Business 4.0- Vol II yes,we can finance
borrower. If yes or no, then why?
613 Under agri loans , AB1 and AB2 is for ? Overview of AGRI Business 4.0- Vol II AB1 IS FOR AGREEMENT OF HYPOTHECATION.
AB-2 :Deed of Guarantee
614 Under KCC new dispensation , the processing charges Overview of AGRI Business 4.0- Vol II PROCESSING CHARGES ARE DRAWN ON MDL AND THE MINIMUM LIMIT IS 1.00 LAC.
are drawn on -- and the minimum limit is --.
615 In PML ( Produce Marketing Loan), What is the limit of Overview of AGRI Business 4.0- Vol II COLLETERAL IS WAIVED UPTO 1.00 LAC.
finance without collateral for the Collaterally
Managed Warehouse.
616 For normal Tractor loan , the farmer should Overview of AGRI Business 4.0- Vol II 2 ACRE.....
possession--- acre of land , ___ score for clear sanction  While proposals with Credit Score of 71 & above are considered Good Loans for sanction
and repayment period is 5 years.  Proposals with Credit Score of 41 and above but up to 70 may be considered after credit enhancements or to
be referred to the next higher authority.
 Proposals with Credit Score of 40 and below should not be considered for sanction. Tractor loan scoring
model is given as an annexure
617 The minimum DSCR in tractor loan under normal Overview of AGRI Business 4.0- Vol II
scheme should be Minimum DSCR should be1.5:1.
618 What are the 3 Major control mechanism under PML / Overview of AGRI Business 4.0- Vol II
Mare Housing loan .
619 Agri Mudra Loan has been initiated by the bank to Overview of AGRI Business 4.0- Vol II MUDRA Dairy Loan, MUDRA Loan for Allied Agriculture Activities, Bamboo plantation loan etc.,
promote employment and growth in non farm sector.
Which all products or activities has been covered
under these scheme.
620 A KCC customer had approached Banking Ombudsman Overview of AGRI Business 4.0- Vol II 5
when he received a notice for recovery and also
stating that the branch has neither intimated him by
way of letter nor any intimation of his default was
advised . How would you respond to the customer and
respond to the BO. He has also asked for a
compensation for lapses of services and laid down
norms in post sanction process. What are they ?
621
622
623
624
625
626
627
628
629
630
631
632
633
634
635
636
637
638
639
640
641 In Priority Sector Lending please expand ANBC. Overview of SME Business Vol III ADJUSTED NET BANKING CREDIT
To ensure that MSMEs do not remain small and Overview of SME Business Vol III
medium units merely to remain eligible for priority
sector status, the MSME units will continue to enjoy
the priority sector lending status up to ……..years after
they grow out of the MSME category.
642 up to 3 years after they grow out of the MSM category.

Loans up to a limit of Rs………….cr. per borrower for Overview of SME Business Vol III Loans up to a limit of ₹ 5 crore per borrower for building social infrastructure activities like schools, health care
building social infrastructure activities like schools, facilities, drinking water facilities and sanitation facilities. Loans up to ₹ 15 cr. for purposes like solar based
health care, drinking water and sanitation facilities are power generators, biomass based power generators, wind mills, micro-hydel plants and for nonconventional
to be considered as Priority Sector Lending. energy based public utilities
643
For MSE Sector covering both manufacturing and Overview of SME Business Vol III up to Rs. 200 lacs extended to MSME UNDER CGTMSE SCHEME
services no collateral security is to be obtained for
loans up to Rs…….
644
Under Credit Guarantee Scheme for Stand Up India Overview of SME Business Vol III GF shall be paid within 16 days from the end of the quarter in which the loan is sanctioned.
guarantee fee shall be paid within ………..days from the To be borne by the borrower.
end of the ………..in which the loan is sanctioned. 75% within 30 days and 25% will be paid on conclusion of recovery proceeding
645
As per the amendment in MSMED act in February Overview of SME Business Vol III Will make norms of classification growth-oriented
2018, if the turnover is more than Rs. 5 Crs but does
not exceed Rs. 75 crs the unit will be considered as.....
646
Any MSME unit will continue to enjoy the Priority Overview of SME Business Vol III
Sector Lending status upto -----after they grow out of
MSME category.
647 up to 3 years after they grow out of the MSME category.
Under CGTMSE, maximum cover available to Women Overview of SME Business Vol III Above Rs. 10 Lacs and up to Rs. 50 lacs- 80% of amount in default.
Enterprises and North East Region if the loan amount Above Rs. 50 Lacs and up to Rs. 100 lacs Rs. 40 lacs + 50% of balance O/s total Rs. 65 lacs.
is upto Rs. 50 lakh is......
648
Under CGTMSE, which action can be considered as Overview of SME Business Vol III
initiation of legal action? Action to be initiated as –SARFESI Act Sec-13(4) before submission of Claim.
• If the above (Sec-13(4))is not possible, action to be initiated under any other applicable law
649
What amount of claim will be considered by CGTMSE? Overview of SME Business Vol III 75% within 30 days and 25% will be paid on conclusion of recovery proceeding
650
651
652
653
654
655
656
657
658
659
660
661
662
663
664
665
666
667
668
669
670
671
672
673
674
675
676
677
678
679
680
Shri Ram Kumar, RMPB has gone for Pre Sanction Presanction Kyc to be upto date.Presanction survey waived if the existing address with the bank remains sama as the present
Inspection at residence of customer who has applied address.
for Car Loan. The customer is salaried person and
wishes to purchase Toyota Yaris. Which fact he will not
record while conducting pre sanction inspection
report?
681
Ms Sneh has been posted in CIT at one of local RACPC. Presanction RACPC CPBM QUESTIONS 1 - 900
682 She would be part of
Sheri Ram, Field officer of branch has to go for Pre Presanction SHRIRAM SHOULD NOT ACCOMPANY WITH BORROWER AS THE PRESANCTION VISIT IS A SURPRISE VISIT.
sanction visit to a prospective Home Loan customer.
While starting from branch he observed that customer
was waiting for him in a car. Shri Ram readily agrees as
it was a hot summer day and accompanies customer
for visit. State which aspect of pre sanction process
has not been adhered by Shri Ram?
683
In which of the following case, we will obtain two Title Presanction
Investigation Reports (TIRs) from two different
empanelled advocates
Obtention of two TIRs : If our exposure is collaterally secured by the following types of properties, a satisfactory
Title Investigation Report (TIR) from two different empanelled advocates should be obtained, irrespective of
amount in all segments (including Housing Loans):-
i. Properties offered by third party guarantors whether individual or non-individual.
180
ii. Properties acquired through Gift deed.
iii. Properties sold by Power of Attorney holders to our borrower/guarantor.

iv. In case of Housing Loans where properties do not fall into the abovementioned categories, a satisfactory
Title Investigation Report (TIR) from two different empanelled advocates (**) should be obtained in the
following cases:
a. In respect of Housing Loans where the RERA registration is available and Loan amount is above Rs.5 crores;
b. In respect of Housing Loans where RERA registration is not available and Loan amount is Rs.1 crore and
above;
c. Second Sales and Loan amount is Rs.1 crore and above.
c. Second Sales and Loan amount is Rs.1 crore and above.

684
Mr John has closed his Housing Loan account six Presanction
months ago and has not collected to original title
deed. What will you do ?
685
The relationship between the owner of the property Presanction
and the Power of Attorney holder is that of a
------------------.
686 CLOSE RELATIVES
Controllers should scrutinize every month, at least Presanction
-------- of the loans sanctioned by a branch/ RACPC
during the previous month, with a view to ascertaining
the quality of pre-sanction processes, loan appraisal,
and documentation.
687 10.00%
A borrower approached you for sanction of Term Loan Presanction
against tangible collateral security. However, he
produced xerox copies of title deeds stating that
original title deeds are lost in the flood. What will be
your response?
688 ASKING FOR CERTIFIED COPIES,VERIFYING WITH REVENUE RECORDS.
What is the process of verification of KYC documents Presanction ID proof/address proof (KYC)/ income document are
689 submitted by customer. as per check list.
Alertness in operations and completing pre sanction Presanction
process part
_____________________________(Choose the correct
option)
690 NA
691
692
693
694
695
696
697
698
699
700
701
702
703
704
705
706
707
708
709
710
What will be the impact of Category I fraud in RFIA Risk Management 5.0 BM VOL-I, PAGE-108:
rating ORM rating of the branch will be downgraded by one step and score will be reduced by a minimum of 50 or
more. In such cases the score will be recalibrated to give an impact of penalty of fifty or more, corresponding
to the downgraded rating score
711
What will be the impact of Category II fraud in RFIA Risk Management 5.0 BM VOL-I, PAGE-109: Negative marks of 50 will be awarded, which may or may not entail a down grade of Risk
712 rating Rating depending on the score.
Diagnostic reports under revised RFIA framework will Risk Management 5.0 BM VOL=I, PAGE 118: Appropriate authority has widened the scope for submission of Diagnostic Reports by the
not be submitted in which scenario General Manager, Circle Audit Office / CAU as under; 1)
Increase / Decrease in current RFIA score by 50 marks vis-a-vis previous RFIA, before application of various
penalties, including ZTA penalty. 2) Gross NPA percentage is more than 50%. 3) Frauds amounting to Rs.1
crore and above, if any reported during the review period. 4) For all D rated branches.
713
If a branch has been rated 'ACA', in which of the areas Risk Management 5.0 PAGE 100: ORM
714 it needs to improve
715 B' score is awarded when blended score is Risk Management 5.0 PAGE 100: GREATER THAN OR EQUAL TO 72.50 BUT LESS THAN 85
716 D' score is awarded when blended score is Risk Management 5.0 PAGE 100: LESS THAN 65
A new Probationary Officer has joined your branch Risk Management 5.0 PAGE 122: HALF YEARLY INTERVALS
and you are explaining him about Self Audit. What is
the periodicity of Self audit you will be advising him
717
In Staff Meeting, Branch Manager is stressing the Risk Management 5.0 BM VOL-1, PAGE 130: WITHIN 21 MONTHS. HOWEVER, PRIORTIZED TO 12, 18 MONTHS BASED ON RISK PROFILE
importance of Credit Audit marks and how it will OF EXPOSURE. ALL NEW SANCTION AND RENEWALS WITHIN 3-6 MONTHS. ALL NEW SANCTION AND RENEWALS
impact Branch. He is explaining that all Credit REVIEW WITHIN 10 DAYS.
Auditable Accounts will be subjected to Credit
Accounts within a period of
718
Credit Audit is applicable for domestic loan accounts Risk Management 5.0 BM VOL-I, PAG 128: Rs.10.00 crore and above
719 with exposure of
Branch rating of 'AAB' denotes that branch has earned Risk Management 5.0 BM VOL-I, PAGE 100: Score >=85% in CRM, Score >=85% in ORM
720 Score between 72.50% & 84.99% in FEMA
721
722
723
724
725
726
727
728
729
730
In Basel III, there are two main types of capital- Tier 1 Risk Management 5.0
and ……..
Basel III introduced tighter capital requirements in comparison to Basel I and Basel II. Banks' regulatory capital is
731 divided into Tier 1 and Tier 2, while Tier 1 is subdivided into Common Equity Tier 1 and additional Tier 1 capital.
As per Basel III, the International norm for minimum Risk Management 5.0 Basel III increased minimum Common Equity Tier 1 capital from 4% to 4.5%, and minimum Tier 1 capital from 4%
732 capital for Banks is…….. to 6%. The overall regulatory capital was left unchanged at 8%.
In Basel-I, Bank's assets are classified into five risk Risk Management 5.0 The Basel I classification system groups a bank's assets into five risk categories, classified as percentages: 0%,
733 categories classified as percentages namely 10%, 20%, 50% and 100%.
Capital Adequacy Ratio (CAR) is the ratio of……………… Risk Management 5.0
Capital requirement (also known as regulatory capital or capital adequacy) is the amount of capital a bank or
other financial institution has to hold as required by its financial regulator, in India by RBI. This is usually
expressed as a capital adequacy ratio of equity that must be held as a percentage of risk-weighted assets. These
requirements are put into place to ensure that these institutions do not take on excess leverage and become
734 insolvent.
UCC should be marked for all accounts irrespective of Risk Management 5.0 Unconditional cancelabitity clause.
amount and segment. UCC is UCC (unconditional can cellability clause) should be marked for all accounts irrespective of amount and
segment as Bank is required to provide capital on undrawn portion of any limit which is not unconditionally
cancellable. It is therefore imperative that all existing eligible accounts are brought under the unconditional
cancellability clause.
735
The main International effort to establish rules around Risk Management 5.0
Capital requirements has been
The main international effort to establish rules around capital requirements has been the Basel Accords,
736 published by the Basel Committee on Banking Supervision housed at the Bank for International Settlements.
737 Basel-I was released in the year Risk Management 5.0 1988
Capital Adequacy Ratio is the Equity that must be held Risk Management 5.0 RISK WEIGHTED ASSETS
738 as a percentage of
Under Basel-I, Tier-1 capital consists of Risk Management 5.0
Tier 1 capital consists of shareholders' equity and retained earnings. Tier 1 capital is intended to measure a
739 bank's financial health and is used when a bank must absorb losses without ceasing business operations
740 Basel II is based on the following 3 main pillars Risk Management 5.0 1.minimal capital requirements,2. regulatory supervision and 3. market discipline
Tier 2 capital is considered _____ than Tier 1 capital Risk Management 5.0 In the calculation of a bank's reserve requirements, Tier 2 capital is considered less secure than Tier 1 capital. PAGE NO 349 OF BM VOL I
741
Basel I classification system groups a Bank's asset into Risk Management 5.0 The Basel I classification system groups a bank's assets into five risk categories, classified as percentages: 0%, PAGE NO 348 OF BM VOL I
742 ____ risk categories 10%, 20%, 50% and 100%.
Basel II has ___ tiers of capital Risk Management 5.0 There are three tiers in Basel II: Tier 1 capital is the most strict definition of regulatory capital that is PAGE NO 350 OF BM VOL I
subordinate to all other capital instruments, and includes shareholders' equity, disclosed reserves, retained
earnings and certain innovative capital instruments. Tier 2 is Tier 1 instruments plus various other bank
reserves, hybrid instruments, and medium- and long-term subordinated loans. Tier 3 consists of Tier 2 plus
short-term subordinated loans.
743
In Basel III, Tier-1 capital has been further divided into Risk Management 5.0 Basel III introduced tighter capital requirements in comparison to Basel I and Basel II. Banks' regulatory capital PAGE NO 350 OF BM VOL I
is divided into Tier 1 and Tier 2, while Tier 1 is subdivided into Common Equity Tier 1 and additional Tier 1
capital. The distinction is important because security instruments included in Tier 1 capital have the highest
level of subordination. Common Equity Tier 1 capital includes equity instruments that have discretionary
dividends and no maturity, while additional Tier 1 capital comprises securities that are subordinated to most
subordinated debt, have no maturity, and their dividends can be cancelled at any time. Tier 2 capital consists of
unsecured subordinated debt with an original maturity of at least five years.
744
Basel III introduced leverage and liquidity Risk Management 5.0 Basel III introduced leverage and liquidity requirements to safeguard against excessive borrowings and ensure PAGE NO 350 OF BM VOL I
requirements that banks have sufficient liquidity during financial stress. In particular, the leverage ratio, computed as Tier 1
capital divided by the total of on and off-balance assets less intangible assets, was capped at 3%.
745
Basel Committee on Banking Supervision is housed at Risk Management 5.0 The main international effort to establish rules around capital requirements has been the Basel Accords, PAGE NO 348 OF BM VOL I
published by the Basel Committee on Banking Supervision housed at the Bank for International Settlements.
746
You are a Branch Manager at a Retail branch. There is a Risk Management 5.0 NIL collateral in loans against Bank Deposits, Gold Loans, Loans against Govt Securities: as these loans are fully PAGE NO 350 OF BM VOL I
recent Circular regarding maintenance of adequate collateralized, our Bank need not provide any capital for them but if for some reasons, collaterals are not
Capital as per Basel requirements which needs proper updated in the account, they will be treated as unsecured loans and very high level of capital will be provided
reporting and avoidance of which of the following considering they are high risk loans
747
You are a Branch Manager at a fairly big branch which Risk Management 5.0 In case we are issuing LC/BG applicable margin to be entered in Exim Bill software PAGE NO 351 OF BM VOL I
has customers with Non Fund Based facilities. Which
of the following options is correct in respect of
calculation of capital requirements of Bank as per
Basel norms.
748
You are a Branch Manager of the Medium size branch risk Management 5.0 UCC (unconditional can cellability clause) should be marked for all accounts irrespective of amount and PAGE NO 351 OF BM VOL I
with substantial credit facilities. Capital Adequacy as segment as Bank is required to provide capital on undrawn portion of any limit which is not unconditionally
per Basel Norms is a concern of the Bank. In respect of cancellable. It is therefore imperative that all existing eligible accounts are brought under the unconditional
the loan accounts Bank is required to provide capital cancellability clause.
on undrawn portion of limits. Which of the following
will help the bank to obviate this requirement
749
Your branch has a large number of Corporate Risk Management 5.0 For corporate loans, capital requirement is linked to the external credit rating of the company or the facility. If PAGE NO 350-351 OF BM VOL I
Borrowers. Top Management is concerned with they have better rating, lower capital is required and if they have no rating or not so good rating capital
implementation of Basel Norms and adequacy of requirement will increase. We need to take care at the Branch that if ECR is available for a corporate, we need
capital. Which of the following will help in this to invariably enter it in CBS.
regard ?
750
751
752
753
754
755
756
757
758
759
760
761 A Safe Deposit Locker Safe Deposit Locker 9.2
Nomination facility in respect of Lockers Safe Deposit Locker 9.2 Nomination facility in respect lockers with ‘E' or ‘S'/ ‘F’ or ‘S'/'any one' or ‘S'/'latter’ or 'S' mandate' is not
762 with.......mandate is not available. available.
In case a locker remains unoperated for more than one Safe Deposit Locker 9.2
year, the Bank would have the right to cancel the
allotment of the locker and break-open the locker
Yes, the bank would have the right to cancel the allotment of the locker and break-open the locker, if the locker
763 remains unoperated for more than 1year, though rent is being paid regularly.
When a literate visually impaired has been allotted a Safe Deposit Locker 9.2
locker , which of the following is correct as regards
locker agreement?
764 Suitable Undertaking with indemnity clause to be obtained along with locker agreement.
Visually impaired person/ blind may have a locker Safe Deposit Locker 9.2
with joint operation facility where one of the Co-hirers
is not visually impaired /blind. Which of the following
statements is not correct regarding operation of
locker? ?
765 NA
Where the locker has remained un-operated for more Safe Deposit Locker 9.2
than ------- years for medium risk category or ----- year
for a higher risk category, the branch should
immediately contact the locker hirer and advise him/
her to either operate the locker or surrender it. ?
The bank would have the right to cancel the allotment of the locker and break-open the locker, if the locker
766 remains unoperated for more than 1year irrespective of risk category, though rent is being paid regularly.
In the locker agreement, a clause has been safe Deposit Locker 9.2
incorporated, in terms of RBI guidelines, that in case
the locker remains unoperated for more than ------
years, the Bank have the right to cancel the allotment
of the locker and break-open the locker, even if the
rent is paid regularly. ?
767 One year

CBS will deduct annual locker rents in advance for the Safe Deposit Locker 9.2
768 Financial Year on 2nd April
Mr. Sekhar, a visually impaired customer of your Safe Deposit Locker 9.2
branch approaches you for allotment of a locker to be
operated by himself. How will you entertain his We can accept Mr Sekhar request only If he ( visually impaired person) is capable of recognizing the articles kept
request? in the locker and also capable of placing articles in the locker and withdrawing the same without the assistance
of any other person, on giving undertaking to this effect, at his risk, he can be allowed to avail self operating
769 locker facility in single name. (Undertaking to this effect is included in indemnity cum undertaking).
Mr.Ravi, a visually impaired customer of your branch is Safe Deposit Locker 9.2 CPBM QUESTIONS 1 - 900
having a locker facility jointly with his wife Mrs Rajani,
who is not visually impaired. One day Mrs. Rajani
approaches you for locker operation saying that her
husband is away from town and she needs to take
some important papers from the locker and assures
telephonic confirmation of locker operation by her
from Mr.Ravi. How will you proceed in the matter?
We cannot accept her request, as at no pint of time, the joint account holder, without the presence of the
770 visually impaired account holder, be permitted to operate the locker.
A locker is jointly operated by A & B,who are two Safe Deposit Locker 9.2
brothers. They want to make their children (total 4 in
number) as their nominee in the locker account. How
do you handle the situation? In respect of lockers held in joint names,
771 Upto two nominees can be appointed.
Items that are left inadvertently in the locker room are Safe Deposit Locker 9.2
kept as……
Valuables inadvertently left by hirer(s) outside the
lockers in the vault/ room should be retained as safe
deposit article at the branch in a packet sealed with the
personal seals of both the joint custodians of cash. Whenever
there is a change in the incumbency of either of the joint
custodians of cash, the packet(s) will be opened, contents
Verified and the packet(s) redeposit duly resealed in the same
772 Manner.
Ms. Rati has availed a locker in your Branch.Your Safe Deposit Locker 9.2 Branch should not insist any deposit for allotment of locker.
Manager PB has requested her to provide Rs. 10000 as
deposit with your Branch. Ms. Rati is furious and
wants to complain regarding this practice. Is your
Manager PB correct in asking the deposit?
773
in case of locker, how many operations are free in a Safe Deposit Locker 9.2
774 year? 12
Ms. Malinihas come for operating her locker. She could Safe Deposit Locker 9.2
figure out that one ring is not there in her jwellery box
that is kept inside her locker.But she is the only hirer
of the locker so nobody else could have removed the
item from her locker. What should be the most
prudent action that Ms. Malini should take?
Any operation carried out in the locker, by the, hirer
is at his own risk and bank is not liable for any claim
775 Made at a future date.
Shri Magan Bhai is a Field Officer in Marhatal Branch. Sanction Process
He was going through one of Auto Loan file and found
some PDCs with the file. Which one of these
statements is correct
776
During one of his visit at branch, Regional Manager Sanction Process
Prakash was looking at loan documents. He advised
Field Officer to take precaution and follow the
procedure which is mentioned as per Section 12 of
Stamp Act. The particular section deals with
777
In case of Equitable Mortgage why the mortgagor Sanction Process
must not be asked to sign/ initial or attest the recital
register?
778
Mrs. Nira Sahai, who held a TDR of Rs. 5.00 Lacs jointly Settlement of Assets of Deceased
(with Either or Survivor mode of operation) with her Constituents 9.7
husband visited the Branch six months after the death
of her husband and requested the branch to make pre-
mature payment of the TDR as she wanted to move to
another city with her son. The branch, even after
knowing about her husband's death, did not ask for a
copy of the death certificate and made the payment to
her since the mandate in the account was Either or
Survivor. Was the branch correct in making the
payment?
779
In case of settlement of assets of deceased Settlement of Assets of Deceased CPBM QUESTIONS 1 - 900
constituents,who will sign the Declaration in the Constituents 9.7
revised claim form, regarding the legal heirs of the
deceased?
780
The assets left with the bank by deceased Army, Air Settlement of Assets of Deceased The assets left with the bank by deceased Army, Air force and Naval personnel can be disposed-off without the
force and Naval personnel can be disposed-off without Constituents 9.7 production of legal representation irrespective of the amount as per the provisions of the Army and Air Force
the production of legal representation irrespective of (Disposal of private property) Act, 1950 and Navy Act, 1957 under section 171, 172 and 174.
the amount as per the provisions of
781 PAGE NO 345 VOL 1

Which of the following statements is / are correct as Settlement of Assets of Deceased Cetified by BM of the branch where settlement takes place
regards ensuring correctness of death certificate (of Constituents 9.7
NRI) (i) Attested by a notary public in that country
(ii) SBI's foreign office (iii) Certified by embassy
or High commission of that country in India
(iv) Certified by BM of the branch where settlement
takes place

Provisions relating to persons unheard of and the Settlement of Assets of Deceased SECTIONS 107 AND 108 OF INDIAN EVIDENCE ACT, 7 YEARS
burden of proof of whether a person is alive or dead is Constituents 9.7
contained in Sections 107 and 108 of .... Act, where a
person is not heard of by those who would normally
have heard of him for a period of .... years, is
presumed dead
A cheque signed by Mr. Rajnish authorised signatory Settlement of Assets of Deceased
of M/s ABC , a partnership firm was presented across Constituents 9.7
the counter for payment. Meanwhile , you receive a
communication to the effect that Mr.Srikanth , one of
the partners of M/s ABC expired. Mr. Srikanth is not
having the power to operate the account. How will you
proceed?
Cheques drawn on an account where one of the partners is deceased cannot be paid. A fresh account may be
opened with the remaining partners with fresh documents and operations allowed in that account. A
Confirmation of Balance certificate is to be obtained from the remaining partners as on the date of the freezing
784 of the operations in the account consequent on the death of one of the partners. PAGE NO 336 VOL 1
M/s XYZ, a trust is having their account with your Settlement of Assets of Deceased
branch. You receive the communication that Mr. Constituents 9.7
Srinivas , Managing Trustee of M/s XYZ expired. How
will you proceed as regards allowing operations on the Unless there is anything contrary to this in the trust deed, surviving trustee(s) can operate the account. In case
account? relative trust deed provides for the appointment of new trustee, the operation on the account should be stopped
785 till such time new trustee is appointed and advised to the Bank PAGE NO 336 VOL 1
Mrs . Rani calls on you and informs that her husband Settlement of Assets of Deceased The Legal Heirship certificate issued by the Revenue Department has no legal sanctity and the Bank has not
Mr. Raju expired last month and produces the relevant Constituents 9.7 issued any instructions regarding obtention of the same.
death certificate and Legal Heirship Certificate issued
by Revenue Department of State Government and
requests you settle the amount outstanding in the
account of Mr.Raju, as she is the only legal heir as per
the certificate issued by revenue authorities. How will
you act?

Mr.Akbar Ali , son of one of your NRI customers Mr. Settlement of Assets of Deceased
Khadir, informs you that his father is no more and Constituents 9.7 A death certificate which is attested / certified by any of the following should be accepted as such for
requests you to settle the amount lying in his father's processing the claim:
account. Mr.Khadir settled in US and was Green Card  Notary Public in that country Indian Embassy / High Commission in that country.
holder. Which of the following statements is correct as  SBI's Foreign Office. (Wherever it is possible/permissible to do attestation as per local regulations)
regards settlement of claim ? b. A death certificate which is attested/ certified by the Embassy / High Commission of that country in India
should be accepted as such for processing the claim
787
Mr. Ali , son of one of your NRI customers Mr. Khadir, Settlement of Assets of Deceased
informs you that his father is no more and requests Constituents 9.7
you to settle the amount lying in his father's account.
Mr.Khadir died in Dubai. Which of the following is A death certificate which is attested / certified by any of the following should be accepted as such for
incorrect regarding establishing the veracity of death processing the claim:
certificate issued abroad?  Notary Public in that country Indian Embassy / High Commission in that country.
 SBI's Foreign Office. (Wherever it is possible/permissible to do attestation as per local regulations)
b. A death certificate which is attested/ certified by the Embassy / High Commission of that country in India
788 should be accepted as such for processing the claim
What is not correct in case of take over of Asset SME Asset Products Vol III
789 Backed Loans
A targeted product to cater to medical practitioners of SME Asset Products Vol III
Allopathic discipline, promoters of Allopathic hospitals
and nursing homes, pathological clinics, polyclinic, X-
ray labs and any activity of allopathic discipline.
Identify the product.
790 DOCTOR PLUS PAGENO 79

It is a Pre-approved term loan facility with option of SME Asset Products Vol III OPEN TERM LOAN TO
multiple disbursements for multiple purpose. Identify All units under manufacturing sector and Service Sector: Healthcare Industry: Hospitals, Doctors, Pathological
the scheme Labs and Nursing Home), Hospitality Industry: Hotels, Restaurants, etc. and Transport operators with minimum
25 vehicles. PAGE NO.78, SME BOOKLET
791
Dr. Raghu has approached you for a loan under Doctor SME Asset Products Vol III 7 Years including moratorium. PAGE NO.80, SME BOOKLET
Plus Scheme. What will be the maximum repayment
period that you can offer to him?
792
Minimum DSCR that is required under Doctor Plus SME Asset Products Vol III 1.51:1, PAGE NO.80, SME BOOKLET
793 Scheme is……..
Mr Sitaram has a dall mill. He wants to avail a loan SME Asset Products Vol III 1)Profit making existing units with CRA rating of SB- 9 and above as per normal Credit Risk Assessment (CRA
under Dall Mill Plus. What could be the possible new). Term Loan, Working capital, Non fund based facilities, Cash Credit, Lcs, BGs, SME Credit Plus.
purpose of such loan? 2)Margin :Term Loan: 25%, Working capital: Stocks: 25%, Book debts: 40%
3)Repayment: Term Loan : 5 to 7 years excluding the gestation period of
maximum 12 months
Working Capital: Repayable on demand. 4)Insurance for full value of stocks.
5)Primary security : Hypotheation over of assets created out of banks finance. Collateral
security : Loans upto Rs 50 lacs to be mandatorily covered under CGTMSE.
For loans of Rs 50 lacs – Rs 1 cr to be covered under CGTMSE only if the guarantee fee is borne by the borrower.
Loans without CGTMSE: Equitable mortgage of property /
tangible security belonging to borrower / guarantor valued not less than 75% of the loan amount is to obtained
794
Mr Sekhar has a cotton ginning mill. He wants to avail SME Asset Products Vol III Profit making existing units with CRA rating of SB- 9 and above as per normal Credit Risk Assessment (CRA
a loan under Cotton Ginning Mill Plus. What could be new). Term Loan, Working capital, Non fund based facilities, Cash Credit, Lcs, BGs, SME Credit Plus.
the possible purpose of such loan? Margin :Term Loan: 25%, Working capital: Stocks: 25%, Book debts: 40%
Repayment: Term Loan : 5 to 7 years excluding the gestation period of maximum
12 months
Working Capital: Repayable on demand. Insurance for full value of stocks.
Primary security : Hypotheation over of assets created out of banks finance. Collateral
security : Loans upto Rs 50 lacs to be mandatorily covered under CGTMSE.
For loans of Rs 50 lacs – Rs 1 cr to be covered under CGTMSE only if the guarantee fee is borne by the borrower.
Loans without CGTMSE: Equitable mortgage of property /
tangible security belonging to
borrower / guarantor valued not
less than 100% of the loan amount
is to obtained
795
The full form of SCFU is SME Asset Products Vol III Supply Chain Finance Unit(SCFU) PAGE NO.83, SME BOOKLET
796
797 SME Car Loan cannot be sanctioned to SME Asset Products Vol III
Which of the following products has a scoring model? SME Asset Products Vol III SME CREDIT CARD SCHEME
798
A doctor has approached you for a Term Loan of Rs.6 SME Asset Products Vol III SBI MEDICAL EQUIPMENT FINANCE SCHEME
crores for purchase of X ray machine and Ultra Sound
Scanner. He is agreeable to bring a cash margin of 15%
and offer collateral security of 50% and a suitable
Third Party Guarantee. Which product would you like
to suggest to him?
799
M/s.Harihanth Industries, a Rice Milling Unit is SME Asset Products Vol III Overdrawing is permitted after getting approval from competent sanctioning authority.
enjoying a Working Capital limit of Rs.1.50 crores.
Suddenly, its rice milling machinery got repairs and
requested the Bank for sanction of overdrawing in
limits to the extent of 10 lacs. Which product would
you like to suggest to the Unit?
800
A customer has availed a working capital facility under
SME Credit Card from your Branch.The limit is valid for SME Asset Products Vol III 3 years subject to annual review
801 …………
M/S XYZ manufacturing pvt. Ltd has an SME Credit

Card facility with you for Rs.10 lacs.It is an SSI unit. SME Asset Products Vol III No collateral for SSI.
What is the minimum collateral security that the unit
must have provided to you?
802
M/S XYZ is a manufacturing unit that is otherwise
eligible for SME Smart Score facility. What is the SME Asset Products Vol III Manufacturing: 5 to 50 lakhs
maximum loan that can be sanctioned to M/S XYZ Trade and services: 5 lakhs to 25 lakhs
under the scheme?
803
What is the stipulated percentage of Primary Security SME Asset Products Vol III 50.00%
804 under ABL Scheme?
Given below are certain features of one of the SME

Asset Products of our Bank. On the basis of details of
the scheme, please identify the scheme. 1) Under the
scheme pre-approved loan facility is available with
option of multiple disbursements for multiple
purposes. 2) Units under manufacturing and services
sector including transport operators with certain
conditions are eligible. 3) Scheme is extended to Units
having CRA Rating of SB-6 or ECR of BBB or better and SME Asset Products Vol III
Unit should banking with us for more than 5 years
having satisfactory track record and not slipped to
IRAC 2 in the previous 12 months. 4) Eligible loan
amount would be 20% of total limit sanctioned with a
maximum of Rs.5 cr. 5) Purposes can include
expansion, modernization, technology up-gradation
including expenditure for creation of intangible assets
applicable to both manufacturing and services sector.
805
Maximum loan amount under SME Credit Card SME Asset Products Vol III 10 LAKHS
806 Scheme is......
Under SME Smart Score, working capital limit can be SME Asset Products Vol III To be renewed for every 2 years.
807 renewed if credit score is-----and above.
Under SME Credit Plus, additional limit can be used for

----times in a year but there should be gap of at least SME Asset Products Vol III 12 times, 5 days
------days between total repayment of funds drawn
under the facility and its next utilisation.
808
Hurdle CRA for financing under Asset Backed Loan SME Asset Products Vol III SB-10
809 (ABL) is---
Flexi Loans are introduced to take care of financial SME Asset Products Vol III TRADE AND SERVICE SECTOR
810 requirements of......
Maximum loan that can be granted under Flexi Loan SME Asset Products Vol III 100 lacs(page 89)
811 is .....
For availing credit facility under e-VFS, minimum SME Asset Products Vol III
turnover size for Industry Major (IM) should be..... Minimum Turnover Size: Rs.500 Cr and above.(PAGE 87)
812
Under Supply Chain financing scheme, there are two SME Asset Products Vol III
verticals. One is SCFU. Which is the other one?
Transaction Banking Unit (TBU) under Corporate Banking Group
813 (PAGE83)
Under Cotton Ginning Plus Scheme, what is the upper SME Asset Products Vol III
814 limit for sanctioning Term Loan? Term Loan based on project cost, no upper ceiling(PAGE 82)
Which facility can be extended under SBI Medical SME Asset Products Vol III TERM LOAN
815 Equipment Finance Scheme?
A lady doctor who is the practitioner of Allopathic

discipline approached you for a loan of Rs. 50 lakh for
setting up pathological clinic under Doctor Plus SME Asset Products Vol III No tangible collateral security for loan amounts up to Rs. 2 cr (PAGE 79)
scheme. However, she do not have any collateral to
offer. As a Branch manager, what will be your
response?
816
In case of SBI Medical Equipment Finance scheme, no
collateral security to be insisted upon upto the limit SME Asset Products Vol III
No tangible collateral security for loan amounts up to Rs. 2 crores(PAGE 81)
817 of.....
A borrower approached you for term loan of Rs. 4.50

Crs. for purchase of various equipments for his health
care centre and also for some other purposes. OPEN TERM LOAN :
SME Asset Products Vol III
However, he wants multiple disbursements for Pre-approved term loan facility with option of multiple disbursements for multiple purposes (PAGE 78)
multiple purposes. Under which scheme you will
consider his proposal?
818
A borrower was sanctioned loan of Rs. 20 Lakh under

Simplified Small Business Loan (SSBL)for his business.
During March end he requested for overdrawings of SME Asset Products Vol III We decline his request
Rs. 3 lakh as he has to procure some stock, the prices
of which are likely to be increased from next financial
year. Will you consider his request? Why?
819
For sanctioning loan under Simplified Small Business SME Asset Products Vol III CRA NOT APPLICABLE(PAGE 78)
820 Loans (SSBL), minimum CRA is ------
Under Simplified Cash Credit Facility (SCCF), Stand by SME Asset Products Vol III 15.00%
Line of Credit will be -----% of Cash Credit limit.
821
Maximum loan amount that can be sanctioned under
SBI Asset backed Loan (Commercial Real Estate) at Tier SME Asset Products Vol III 50 crores
822 I branch is------
Under SME Credit Plus, the amount once drawn under

the facility will have to be liquidated within SME Asset Products Vol III 2 months
823 ----months.
824 Under CGFMU, lock in period is SME Asset Products Vol III 18 months
For holding an office ex-officio outside the Bank, under

any law or rules, regulations or bye laws made there
under, for the time being in force, or under directions Staff Matters 3.0 NOT NECESSARY
from any authority to whom the officer is subordinate,
prior approval is _______________
825
Officer up to Scale V may receive gifts from near

relatives on occasions such as marriages,
anniversaries, funerals or religious functions. However Staff Matters 3.0 500/-
the same has to be reported to the competent
authority, if the value of any single gift received
exceeds Rs __________
826
58 (3) Officers manning hubs/switch centers, disaster recovery centers or similar sensitive installations requiring
Officers manning disaster recovery centers Staff Matters 3.0 round-the-clock maintenance/surveillance and Security Officers required to provide round-the-clock
maintenance/surveillance shall not participate in any work stoppage/strike action.
827
Mr X, a State Bank officer has purchased a Land in his

ancestral village worth Rs.1.00 lakh. What is the
threshold after which officer shall report to the
competent authority every transaction concerning Staff Matters 3.0 25000
movable property owned or held by him either in his
own name or in the name of a member of his family if
the value of such property exceeds __________
828
It is reported to the Branch Manager that Sri Raju,
SWO is contesting Municipal Election. When asked he Staff Matters 3.0 contesting election for Parliament/Legislative Assembly/ Legislative Council /Local Bodies /Municipal
said that he will resign if elected. What is Bank's Corporation/ Panchayat, without explicit written permission of the bank.
instruction in this regard?
829
What is incorrect with regard to the action against an Staff Matters 3.0 **
employee who is found guilty of gross misconduct?
830
Which of these statements is NOT correct about our Student Loans Our Student Loan Scheme does not cover courses conducted by universities through Distance Mode of Learning.
831 Student Loan Scheme?
Which of these expenses are not covered under the Student Loans Page 124
project cost for Education Loans for studies in India.
832
Which of these statements is not correct regarding 'SBI Student Loans Page 151
833 Skill Loan' scheme
Under 'SBI Skill Loan scheme' validation of course fee

structure is required to be done by the PBBU of the Student Loans 50000
Circle concerned in case of Private Institutions, for
loan of Rs.______and above.
834
Minimum and maximum finance available under 'SBI Student Loans 5000 ,150000
835 Skill Loan' scheme is______________.
Which of these statements is correct about our Student Loans Page 122
836 Student Loan Scheme ?
Which of these statements is not correct regarding SBI Student Loans Page 141 to 147
837 Scholar Loan scheme ?
Which of the following statements is not correct
regarding Central Government's Interest Subsidy Student Loans Page 155
838 Scheme for Education Loans.
A student got selected in a prestigious engineering

college. His father is earning nearly Rs.1.00 lac
annually. College fee is Rs.1.00 lac p.a. And other
expenditure like accomodation accounts for nearly
Rs.0.80 lac. Course period is 4 years. His parents are Student Loans Scholar loan scheme
unable to pay the fee. He comes to you for financial
support so that he completes his study. Are we having
any product to help them out?Name the suitable
product in above circumstances?
839
Maximum repayment period for education loans is Student Loans 15 years

840
Regular full time Degree/ Diploma Courses and Executive Management Courses like PGPX EPGP of all IIMs and
other reputed institutions like XLRI-Jamshedpur, MDI and ISB Hyderabad  Post Graduate Diploma in Business
Which of these is not a category of Institute/ Analytics (PGDBA) offered by IIM Calcutta is also covered under this scheme  15 month Part time ‘Executive
Student Loans MBA course’ of Narsee Monjee Institute of Management Studies (NMIMS), 145 | P a g e Mumbai  3 year Post-
University under our Scholar Loan Scheme?
Graduation Programme for Working Executives (PGPWE) of IIM Lucknow- Noida Campus, also known as Working
Managers Programme (WMP).  5 year Integrated Programme in Management’ course conducted by the Indian
Institute of Management (IIM),Indore is NOT covered under the scheme.
841
Margin required to be brought in by the borrower for

Student Loans up to Rs. 4.00 Lac is ........and above Rs. Student Loans Upto Rs.4 lacs : Nil.  Above Rs.4 lacs :  Studies in India: 5 %  Studies Abroad: 15 %.
4.00 Lac is......for studies in India.
842
The Nodal Bank for implementing Central

Government's Interest Subsidy scheme for Education Student Loans CANARA BANK
843 Loans in the country is
The maximum time limit for conveying sanction/

rejection of an Education Loan is...................from the Student Loans 15 DAYS
date of receiving the application along with all
supporting documents.
844
As per Reserve Bank of India guidelines, for the

purpose of reporting Priority Sector Lending,
education loans with outstandings Student Loans 10 LAKH
upto.........................(for studies in both India and
abroad) will only be taken into consideration.
845
Maximum Loan amount that can be granted under our Student Loans 40 LAKH
846 SBI Scholar Loan scheme is
To be eligible for Subsidy under Interest Subsidy

Scheme on Education Loan for Economically Weaker
Section (EWS)-CSIS, the annual gross parental/ family Student Loans 4.50 LAKH
income of the applicant borrower should not be more
than
847
Courses offered in which of these countries are not Student Loans
848 eligible under SBI Global Ed-vantage scheme
Ministry of HRD along with the Department of

Financial Services, Government of India has launched
a common portal............................................... for Student Loans “VidyaLakshmi Electronic Platform”
students to apply for education loans and to facilitate
tracking and follow-up of the loan
849
Which of these is not a category of Institutions under Student Loans EXCEPT THE ABOVE MENTIONED IN Q NO.241
850 'SBI Scholar Loan' scheme
Under 'SBI Global Ed-vantage' scheme, collateral

security in the form of liquid securities should be Student Loans 100.00%
obtained up to the extent of........of the loan limit.
851
Loans under 'SBI Global Ed-vantage' scheme cannot be Student Loans BPR CENTRE RACPC/RASMEC, NON BPR CENTRE SCALE III AND ABOVE AS PER FINANCIAL POWER
852 sanctioned by
Courses run by which of these Institutions are eligible Student Loans Courses run by industrial training institutes, polytecnics, training partners affilated to national skill development
corp,sector skill councils, state skill mission, state skill corporation, preferably leading to certificate/diploma/
for loans under 'SBI Skill Loan' scheme
degree issued by such organization as per natinal skill qualification framework are eligible for a skilling loan.
853
In case of Education Loans, what is the time limit for
disposal of duly completed application with Student Loans 15 days
854 supporting documents after Its receipt.
There are no restrictions on taking over education loans from other banks. In the case of takeover of education
Take over of Education Loans is Student Loans loans, although the sanctioning authority will be free to grant additional loan in accordance with terms and
855 conditions of the Scheme, no deviations thereof will be permitted.
Which of these courses are not eligible under our Student Loans --
856 Student Loan Scheme?
The loan would be sanctioned jointly in the name of the student and his parent/ guardian. In case of married
Scholar Loans can not be granted jointly in the name Student Loans person, co-obligator can either be spouse or parent/ parent-in-law. Parental co-obligation can also be substituted
of the student and his/her by a suitable third party guarantee
857
There is an education loan of Rs. 7 lacs in your branch

where the student has defaulted in repayment and
subsequently the loan turns NPA. It is covered under Student Loans
Credit Guarantee Fund Scheme for Education Loans.
Within what period (in months), the Bank may invoke
the Guarantee?
858
Pradeep Kumar has secured an admission to a

prestigious 2 year Post Graduate Diploma course in
Management through distance learning mode at IIM
Ahmedabad. He has approached your Branch for an Student Loans No
Education Loan of Rs.3.00 Lacs only. The Course fee is
Rs.5.00 Lacs. He is also ready to offer a collateral
security in the form of his father's house for this loan.
How will you proceed in this matter?
859
The secondary Credit Information Report (CIR) Student Loans Highmark

required for Education Loans should be taken from
860
NRI students are eligible for Student Loan provided Student Loans
861
Ms. Naina has got admission in an Institute listed as Student Loans
category C in our Scholar Loan scheme. The maximum
loan that can be sanctioned to her without any
security is………………..
862
Mr. Sashi has approached you for a Scholar loan. He Student Loans
has taken an admission in a C category Institute and is
looking for maximum loan. His father is willing to
provide necessary collateral in this regard. How much
loan can Sashi get?
863
Ms. Kaveri has got admission in a B category institute Student Loans
and has approached you for a scholar loan. Her father
is a doctor and is willing to offer sufficient collateral.
How much loan can she get?
864
Raghu has secured admission in an A category Student Loans
institute. He has approached you for Scholar loan.
However, Raghu's father is a small time businessman
and can not offer any security. How much loan can
Raghu get?
865
What is the minimum loan that can be offered to a Student Loans
student who belongs to Persons of Indian Origin?
866
What is the maximum loan that can be offered to a Student Loans
student who belongs to Persons of Indian Origin?
867
A student wants to avail a scholar loan from us. The Student Loans
course period is 4 years. What will be the loan term if
maximum repayment period is allowed?
868
Ms. Kangana has approached you for a student loan of Student Loans
Rs.10 lac. Her father is a small time businessman and
cannot offer any security. However, her uncle wants to
offer some fixed deposit towards the security. This
security ………..
869
Mr. Shakti wants to avail a Student loan from us for Student Loans
study abroad. The project cost is Rs. 6 lac . How much
margin should he be contributing?
870
For Builder Tie-Ups, generally the eligible builders
should have been in the line of activity for a minimum Student Loans 5
871 period of………. years
Sekhar, an employee of TCS wants to pursue a full time

executive course for working professionals offered by Student Loans
IIM-A. Which of the following is not correct in this
regard?
872
In case of Student Loan sanctioned to the wards of
DSP account holders, the pre-sanction inspection of Student Loans WAIVED
873 co-borrower ………………………
Students who have discontinued studies and

resumed later (gap in studies) should provide Student Loans SATISFYING REASONS
874 ……………… to avail Student Loan from us
If a student borrower who has taken a Student Loan

from us, wants additional loan on account of exchange Student Loans LOAN MAY BE SCNTIONED WHERE DISBURESMENT NOT COMPLETED FOR FIRST LOAN
rate movement, such request may be…………..
875
Central Sector Interest subsidy scheme is available to

students availing education loan & belonging to Student Loans 4.5LACS
Economically Weaker Section. Here EWS means when
gross annual family income is not more than………….
876
In Central Sector Interest Subsidy scheme, students
from Economically Weaker Section, who have availed Student Loans INTEREST SUBSIDY FOR THE PERIOD OF MORATORIUM
877 education loan, get ……………..
What is the minimum age of student that can be Student Loans NO AGE CRITERIA
878 permitted under SBI Skill Loan?
A student has availed SBI Skill Loan of Rs.1.50 lac from
your Branch. What is the security requirement for the Student Loans NIL
879 loan?
A student has availed SBI Skill Loan of Rs.1.50 lac from

your Branch. What is the margin requirement for the Student Loans NIL
880 loan?
To the extent of 100% of the Loan Limit for liquid Securities (Govt.
Securities, Bonds issued by PSUs, NSCs, KVP, LIC Policy, RBI
A customer wants to avail Rs.25 lac loan under SBI Relief Bonds, Bank Deposit(s) in the name of student/ parent/
Global Ed-vantage scheme. If he wants to provide guardian, etc.),
Student Loans
liquid security against it, what should be the security i. Face value or Issue Price of the security/ bond, whichever is
value? lower, to be reckoned as value of security.
ii. For LIC Policies - Surrender Value to be reckoned as value of
Security.
881
What is the maximum amount of loan under SBI Student Loans 1.5cr
882 Global Ed-vantage Scheme?
A customer who has taken a student loan of Rs. 7.50

lacs from your branch, has requested for a 2nd loan.
He will be pursuing higher study in another institute in Student Loans Maximum 10 lacs under student loan in india(two loans together). For other schemes, accordingly.
India . How much maximum loan can be sanctioned to
him under Student Loan Scheme?
883
While compiling the opinion report of the student in

case of a Scholar loan proposal, the field officer is
wondering what he should write as the student has Student Loans As student is highly meritorious, future expected Networthe is seen rather than present position
hardly any asset or liability. What should be your
suggestion in this case?
884
A customer who has availed a student loan from your After the completion of the studies and if the student desires, the loan account can be
branch, has requested you to transfer his loan account Student Loans transferred to a branch closer to the place of co-borrower and preferably which has made KYC
to his present place of posting for easy operation. Can
verification at the time of availing loan for tracking purposes.
it be done?
885
Increase in repayment period to 15 years, is applicable to all existing as well as fresh

loans. RBI has clarified that if the repayments in education loans are extended due to revision in the repayment
A customer has a student loan account with your period, the same may not be treated as restructuring. However, this treatment would be available only to
branch. The loan is standard, regular & repayment has education loans which are standard in the books of
started. The original repayment period of the loan was Student Loans
Banks on the date of such extension of repayment period. Further, such extensions should
10 yrs. However, the customer has approached you to
extend it to 15 years. Can you do it? not be given by banks with retrospective effect and it should be ensured that any extension
in repayment period mentioned above should be need based and after taking into account
the repayment capability of the respective borrowers.
886
A scholar loan proposal has been sourced by MG Road

Branch, Cochin. The student has taken admission in IIT,
Kanpur. The loan has been sanctioned and 1st Student Loans 3 months if mg road branch is a designated branch or it should have been done before disbursement
disbursement released by the branch. Within how may
months should the pre-sanction inspection be
conducted after 1st disbursement?
887
1% concession in rate of interest to be provided for full

A customer has approached you for Student Loan. tenure of the loan if full interest is serviced during
While enquiring about various features of the loan, he the moratorium period (including course duration).
asks you whether 1% concession will be available to Student Loans The interest should be serviced promptly soon after
him if he services the monthly interest in his loan. application but not later than the following month to
What will be your response? avail the concession as interest application is
presently done on the last day of the month.
888
The minimum age of student for obtaining a student Student Loans No age limit
889 loan from our Bank is
Where the student will be making his own boarding and

Which of the following statements is true regarding lodging arrangements, the sanctioning authority is authorized
expenses to be considered for lodging and boarding to fund boarding and lodging expenses on the basis of
Student Loans
expenses , where the student will be making his own estimate submitted by the student/parent, provided such
boarding and lodging arrangements ? expenses are not more than those charged by the educational
Institution for boarders.
890
For the purpose of reporting under priority sector Student Loans loans with outstandings upto Rs.10 Lacs (for studies in both India and abroad) will only be taken into
891 lending, What is true in Education Loans? consideration.
UPTO 4 LAKHS NIL, ABOVE 4 LAKHS INDIA 5% ABROAD 15%,

Scholarship/assistantship to be included in margin.
 Margin may be brought in on year-to-year basis as and when disbursements are made, on a pro-rata basis.
 The students pursuing studies abroad face hardship in bringing pro-rata margin which works out to more
than 15%, as the expenses considered for the loan are far higher than the maximum permissible loan amount.
The students can meet a part of the expenses out of their own sources like scholarship, teaching assistantship,
research assistance, campus jobs etc. which can be treated as margin. The Branches/RACPCs may consider the
Which statement is incorrect about meeting margin Student Loans following while arriving at the margin at the time of disbursement of loan:
money by students in case of student loans?
Only those expenses which are to be funded through the loan account may be considered. A letter may be
obtained from the student/parent to the effect that the other expenses/part of the expenses will be taken care
of by them.
 ii. The student borrower/parent should bring minimum15% margin on the amount that he/she wants to be
funded by the Bank at the time of each disbursement.
892
b) The amount will be maintained in the form of aBankers Cheque payable to “SBI A/c......(name of the
Students who approach us for an education loan of borrower)”
above Rs. 4.00 lacs and upto Rs. 20.00 Lacs for studies c) If the applicant avails the loan, the amount of Rs.5000/- will be adjusted against the contribution of margin
abroad, will be required to make a deposit of Student Loans money by him. If no margin is payable by him, the amount may be adjusted against the interest payable on the
Rs.5000/- . Which of the following statements is loan. d) If the applicant does not avail the loan within a period of 4 months of sanction of the loan, the amount
incorrect regarding appropriation of the amount? will be appropriated and credited to Commission A/c.
893
The Central Sector Interest Subsidy scheme is available Student Loans 10 LAKHS
894 for loan upto…..
Normally, sanction/rejection will be communicated within 15 days of receipt of duly completed application
with supporting documents.
,
Which of the following statements is incorrect in The loan to be sanctioned as per delegation of powers
regard to sanction / rejection of Education Loan Student Loans
applications ?
The loan is generally sanctioned at the branch nearest to the permanent residential address/place of domicile
of the student/parent.
 However, no loan proposal should be rejected on the basis of “Out of Service/ Operational Area”.
 Rejection of loan application, if any, shall be done with the concurrence of the controlling authority of the
branch concerned and conveyed to the student stating reason for rejection.
895
Education Loans to the Wards of Staff/Staff are sanctioned on the same terms and conditions as prescribed for
public. In terms of P & HR Dept. Circular No. CDO /P&HRD-IR/87/2016-17 dated 24.01.2017, the following
relaxations are available for such loans , Repayment 180 months after moratorium, Margin: Upto Rs. 4 lacs - Nil
Above Rs. 4 lacs - 5% for studies in India, 15% for studies abroad,
Interest Rate- 6.95% p.a. with 0.50% concession to girl students in eligible accounts
Incentive of 1% reduction in rates for regular servicing of interest during the moratorium period as available
hitherto will not be available to wards of staff w.e.f.1.7.2009 in view of the reduction in interest rates
significantly
As per the scheme for sanction of education loans to (For details Refer Cir No. CDO/P&HRD-IR/87/2016-17 dated 24.01.2017)
the wards of staff, which of the following statements is Student Loans  No prior administrative clearance is necessary for members of staff seeking loan under the scheme.
incorrect?
 Stipulation of deductions should not exceed 60% of total emoluments of the employee has been reSecurity
for loan as applicable to public
A mandate for deduction of the instalment due from the salary/pension of the employee should be obtained in
all cases.
 No lien should be noted against PF balance of the member of staff. The cases where the lien has been
already noted for existing loans can be removed provided the employee has furnished/furnishes adequate
tangible collateral security/ third party guarantee, if any, as applicable to the general public, as on the date of
sanction of the loan if the loan amount is more than Rs. 7.5 lacs.
896
In case of studies abroad, if the foreign university asks In such cases, the sanctioning authority, not below the rank of an Assistant General Manager, will be authorized
for deposit of a part of the fee before the admission is Student Loans to sanction and release the loan in the name of the educational Institution, provided:
formally granted, which of the following statements is a) Admission is sought to a reputed Business School/reputed educational Institution abroad; or
incorrect regarding sanction of loan? b) Tangible collateral security equal to full value of the loan has been provided.
897
CIBIL TRANSUNION SCORE should be as under:

In case of take of collateralised education loan, which Student Loans
is true in respect to CIBIL Transunion Score?
i) If no credit history: Minus score
ii) If credit history available: Minimum score of 650 and above;
898
The interest subsidy under the scheme shall be available to the eligible students only once either for the first
undergraduate degree course or the post graduate degree/diploma in India. Interest subsidy shall however, be
Which of the following is incorrect regarding provision admissible for integrated courses (graduate plus postgraduate).
of interest subsidy to Education Loan borrowers Student Loans Interest subsidy under this scheme shall not be available for those students once they discontinue the course
belonging to Economically Weaker Sections? midstream, or who are expelled from the institutions on disciplinary or academic grounds. However, the
interest subsidy will be available only if the discontinuation was due to medical grounds for which necessary
documentation to the satisfaction of the Head of educational institution will have to be given.
899
The IBA has engaged the services which agency for Student Loans NSDL e-governance
900 developing Vidya Lakshmi Portal?

CPBM Questions 1 - 900 Revised1

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CPBM Questions 1 - 900 Revised1

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CPBM QUESTIONS 1 - 900

Sl.No. Question TOPIC ANSWERS

19 Which of these statements is NOT correct regarding AUTO LOANS

28 Income of ....................may be included for arriving at AUTO LOANS BLOOD RELATION 85

33 RTO Form of Notice of Transfer of Ownership of a AUTO LOANS FORM 29

156 The Branch manager should not Branch Management 2.0

169 Checking of VVR to be completed on Branch Management 2.0 T+1 basis

Detection of Counterfeit Notes - Reporting to Police and other bodies:

193 The second Credit Information Report (CIR) required CIBIL

Through yono app after registration with inb credentials

Corporate ID is mandatory for which of the following VYAPAAR,VISTAAR& KHATA PLUS

Above 5% and upto 10% LTV ratio upto 60% OR

319 Which of these statements is incorrect regarding Home loans Vol 4

425 Retention limit for Important Policies 13 CASH AND GOLD

475 CRILC' has been set up by NPA Management RBI

488 Which of the following statements is incorrect as NPA Management

513 Which of the following statements is most appropriate NPA Management

527 Branches can participate in Lok Adalats to be NPA Management 20 lakh

528 Compromise settlement from a fraudulent borrower NPA Management **

554 Which of the following statements is not correct in NPA Management --

555 Which of the following statements is not correct in NPA Management --

557 We should take pro-active action for encouraging NPA Management --

558 Which of the following statments is not correct in NPA Management --

b. Physical: Disability/ Death of the borrower or key member of the family.

c. Others: Suspension / Termination of services by the employer.

565 Under CGTMSE, which action can be considered as NPA Management

AB-2 :Deed of Guarantee

642 up to 3 years after they grow out of the MSM category.

ii. Properties acquired through Gift deed.

iii. Properties sold by Power of Attorney holders to our borrower/guarantor.

c. Second Sales and Loan amount is Rs.1 crore and above.

767 One year

781 PAGE NO 345 VOL 1

782 PAGE NO 347 VOL 1

786 PAGE NO 338 VOL 1

790 DOCTOR PLUS PAGENO 79

M/S XYZ manufacturing pvt. Ltd has an SME Credit

Given below are certain features of one of the SME

Under SME Credit Plus, additional limit can be used for

A lady doctor who is the practitioner of Allopathic

A borrower approached you for term loan of Rs. 4.50

A borrower was sanctioned loan of Rs. 20 Lakh under

Under SME Credit Plus, the amount once drawn under

For holding an office ex-officio outside the Bank, under

Officer up to Scale V may receive gifts from near

Mr X, a State Bank officer has purchased a Land in his

Under 'SBI Skill Loan scheme' validation of course fee

A student got selected in a prestigious engineering

Maximum repayment period for education loans is Student Loans 15 years

Margin required to be brought in by the borrower for

The Nodal Bank for implementing Central

The maximum time limit for conveying sanction/

As per Reserve Bank of India guidelines, for the

To be eligible for Subsidy under Interest Subsidy

Ministry of HRD along with the Department of

Under 'SBI Global Ed-vantage' scheme, collateral

There is an education loan of Rs. 7 lacs in your branch

Pradeep Kumar has secured an admission to a

The secondary Credit Information Report (CIR) Student Loans Highmark

Sekhar, an employee of TCS wants to pursue a full time

Students who have discontinued studies and

If a student borrower who has taken a Student Loan

Central Sector Interest subsidy scheme is available to

A student has availed SBI Skill Loan of Rs.1.50 lac from

A customer who has taken a student loan of Rs. 7.50

While compiling the opinion report of the student in

Increase in repayment period to 15 years, is applicable to all existing as well as fresh

A scholar loan proposal has been sourced by MG Road

1% concession in rate of interest to be provided for full

Where the student will be making his own boarding and

UPTO 4 LAKHS NIL, ABOVE 4 LAKHS INDIA 5% ABROAD 15%,

CIBIL TRANSUNION SCORE should be as under: