What is the maximum cover under CGTMSE Scheme? A) 100 lacs B) 50 lacs C) 10 lacs D) No Limit Ans: A
As per RBI guidelines collateral free loan is mandatory upto A) 25 lacs B) 100 lacs C) 10 lacs D) 5 lacs Ans : C 26 January
Small enterprises (Service) is investment in equipments upto A) 10 lacs B) 25 lacs C) 200 lacs D) 100 lacs Ans : C 26 January
MSMED act 2006 provides categorization of unit as SME or otherwise A) According to turnover B) According to number of persons employed C) According to limit availed D) according to Investment in plant and machinery Ans : D 26 January
Which is under Priority Sector? A) Small Enterprises B) Micro Enterprises C) Medium Enterprises D) All of them Ans : D 26 January
Of the following which is not included under service segment of SME? A) Retail Trade B) Professional & Self Employed C) Transport Operators D) Rice Mill Ans : D 26 January
What is the RBI time norm for disposing of an SME application of limit Rs 25000? A) one week B) 48 hours C) two weeks D) one month Ans : C 26 January
SME unit has incurred Rs as rating fee. What amount will be reimbursed by NSIC A) B) C) D) Ans : A 26 January
Which loan cannot be covered under CGTMSE scheme? A) IB Contractors B) Ind SME Secure C) Vidya Mandir D) IB Doctor Plus Ans : C 26 January
What is the minimum lock in period for submitting CGTMSE claim? A) 24 months B) 18 months C) 12 months D) no lock in period Ans : B 26 January
What is the correct statement regarding Annual Guaranteent fee for CGTMSE? A) 1.25% in the case of credit facility upto Rs. 5 Lakh B) 1.5% in the case of credit facility above Rs. 5 Lakh C) 0.75%, in case of credit facilities upto Rs.5 lakh sanctioned to units in North Eastern Region including State of Sikkim) D) All of the above Ans : C 26 January
. What is the guarantee cover under CGTMSE for loan of Rs 50 lacs? A) 50% B) 85% C) 75% D) 60% Ans: A 26 January
What is the onetime ISO certification incentive our bank offers to SME units? A) Rs B) Rs C) Rs D) No such scheme now Ans : A 26 January
. What is the maximum loan per individual under Ind SME Secure? A) 10 Crores B) 10 lacs C) 20 Crores D) No such limit Ans : A 26 January
For WC limit of 10 crores under Ind SME Secure which appraisal method is adopted? A) Turnover method B) MPBF 1 method C) MPBF 2 method D) Cash budget method Ans : C 26 January
Which of the following scheme is abolished under SME segment? A) IND SME Secure B) IB Vidya Mandir C) IND Vahana D) IB ALL CV Auto Star Ans : C 26 January
There is an outstanding of Rs 80 lacs in one NPA SME account. What is the maximum Claim possible to be settled by CGTMSE? A) 80 lacs B) 40 lacs C) 75 lacs D) 52.5 lacs Ans : B 26 January
What is the maximum repayment period under IB Doctor Plus? A) 60 months B) 120 months C) 36 months D) Any period depending on the income generation Ans : B 26 January
. What is the norm for sanctioning IB Doctor Plus to partnership firm? A) At least 50% of the partners should be doctors B) At least 75% of the partners should be doctors C) At least key promoters should be doctors D) It cannot be sanctioned to partnership firm Ans : C 26 January
What is the minimum period of existence firm should have for availing My own Shop scheme? A) 2 years B) 3 Years C) 1 year D) No such condition is stipulated Ans : B 26 January
What is the maximum loan under Vidya Mandir Scheme? A) Rs 3 crores B) 50 lacs C) 1 Crore D) Rs 5 Crores Ans : A 26 January
What is true regarding IB Star Rice Mill? A) Only existing units are eligible B) Only working capital can be sanctioned C) There is separate peak level and non-peak level limit D) Turnover method is not applicable to the scheme Ans : C 26 January
For Ind Auto Scheme with which company we have tied up A) Bajaj Auto Ltd B) TVS Motor Co Ltd C) Maruti Udyog Ltd D) There is no tie up under the scheme Ans : B 26 January
. What is the maximum loan under weaver credit card scheme? A) B) C) D) Ans : D 26 January
What is incorrect about IB Micro? A) All Micro (Mfg. and service sector) units are eligible under this scheme. B) Activities like retail trade, educational institution and SHG should not be financed under this scheme C) RAM rating is waived D) Individuals can only be financed under this scheme Ans : D 26 January
Maximum loan that can be financed under the scheme IB Micro is A) 10 lakh B) 20 lakh C) 30 Lakh D) 40 lakh Ans : B 26 January
Repayment period under the scheme IB Micro is A) 60 months B) 66 months C) 72 months D) 84 months Ans : B 26 January
Security norm for the scheme IB Micro is A) Matching Collateral security of loan amount B) Only third party guarantee to be taken C) Mandatory CGTMSE cover to be taken, so no additional security D) None of the above Ans : C 26 January
What is maximum loan amount eligible under My Own Shop Scheme? A) lakh B) lakh C) lakh D) lakh Ans : B 26 January
What is the margin requirement for Secured OD facility under IB Contractor scheme? A) 20% on EM property B) 30% on EM property C) 40% on EM property D) 50% on EM property Ans : D 26 January
What is the maximum repayment period for term loan under IB Contractor Scheme? A) 48 months B) 60 months C) 72 months D) 84 months Ans : D 26 January
What is minimum and maximum eligible loan amount for individual under IB Contractor Scheme? A) Minimum 5.00 lakh and maximum 5.00 crore B) Minimum lakh and maximum 5.00 crore C) Minimum 5.00 lakh and maximum crore D) Minimum lakh and maximum crore Ans : B 26 January
What is the margin requirement under IB My Own Shop scheme? A) 20% on the value of EM property B) 25% on the value of EM property C) 40% on the value of EM property D) 50% on the value of EM property Ans : B 26 January
What is most appropriate about margin requirement under IB Doctor Plus scheme? A) For loan up to 5 lakh 10% in urban area B) For loan above 5 lakh 20% in urban area C) 15% in semi urban/rural area D) All of above Ans : D 26 January
What is the maximum repayment period for term loan under IB My Own Shop Scheme? A) 48 months B) 60 months C) 84 months D) 120 months Ans : D 26 January
Margin requirement for a loan of Rs2.00 lakh under IB Vidya Mandir scheme is A) NIL B) 10% C) 15% D) 25% Ans : A 26 January