2. What is the maximum cover under CGTMSE Scheme?  A) 100 lacs  B) 50 lacs  C) 10 lacs  D) No Limit  Ans: A 

3. 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 2016 2

4. Small enterprises (Service) is investment in equipments upto  A) 10 lacs  B) 25 lacs  C) 200 lacs  D) 100 lacs  Ans : C 26 January 2016 3

5. 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 2016 4

6. Which is under Priority Sector?  A) Small Enterprises  B) Micro Enterprises  C) Medium Enterprises  D) All of them  Ans : D 26 January 2016 5

7. 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 2016 6

8. 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 2016 7

9. SME unit has incurred Rs 80000 as rating fee. What amount will be reimbursed by NSIC  A) 40000  B) 60000  C) 75000  D) 50000  Ans : A 26 January 2016 8

10. 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 2016 9

11. 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 2016 10

12. 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 2016 11

13. . 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 2016 12

14.  What is the onetime ISO certification incentive our bank offers to SME units?  A) Rs 10000  B) Rs 25000  C) Rs 50000  D) No such scheme now  Ans : A 26 January 2016 13

15. . 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 2016 14

16. 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 2016 15

17. 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 2016 16

18.  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 2016 17

19. 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 2016 18

20. . 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 2016 19

21. 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 2016 20

22. 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 2016 21

23. 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 2016 22

24. 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 2016 23

25. . What is the maximum loan under weaver credit card scheme?  A) 30000  B) 50000  C) 100000  D) 200000  Ans : D 26 January 2016 24

26.  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 2016 25

27.  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 2016 26

28. Repayment period under the scheme IB Micro is  A) 60 months  B) 66 months  C) 72 months  D) 84 months  Ans : B 26 January 2016 27

29. 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 2016 28

30.  What is maximum loan amount eligible under My Own Shop Scheme?  A) 25.00 lakh  B) 50.00 lakh  C) 60.00 lakh  D) 100.00 lakh  Ans : B 26 January 2016 29

31. 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 2016 30

32. 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 2016 31

33. 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 10.00 lakh and maximum 5.00 crore  C) Minimum 5.00 lakh and maximum 10.00 crore  D) Minimum 10.00 lakh and maximum 10.00 crore  Ans : B 26 January 2016 32

34. 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 2016 33

35. 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 2016 34

36.  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 2016 35

37. 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 2016 36