IOB PROMOTION EXAM 2023-24 Jan 5, 2024Jan 13, 2024 MSME Scheme Page 1 of 59 What is the minimum acceptable current ratio for granting loan to MSE units? 1.25 1.33 1.41 1.50 Page 2 of 59 As per priority sector guidelines ____% of ANBC or CEOBE whichever is higher target has been fixed for micro enterprises? 7.5 10 18 20 40 Page 3 of 59 As per Prime Minister Task force on MSME banks are advised to achieve ___& annual growth in the number of micro enterprises accounts? 5 10 20 40 60 Page 4 of 59 For MSME accounts having exposure of ______amount external rating is mandatory 25 Crores & Above 50 Crores & Above 100 Crores & Above 200 Crores & Above NOA Page 5 of 59 For MSME units located in backward areas an average DSCR of ____ can be accepted? 1.2:1 1.5:1 2:1 4:1 NOA Page 6 of 59 Cash Budget method of assessment for working capital finance is best suited for which type of industries ? Service Industry Seasonal Industry Trading activity Manufacturing activity NOA Page 7 of 59 Which method working capital aseeseement has to be followed for working capital finance of MSEs up to 7.5 Crores? Nayak Committee Turnover Method Revised Turnover Method MPBF Method Cash Budget Method NOA Page 8 of 59 Which method working capital aseeseement has to be followed for working capital finance of MSEs up above 7.5 Crores and up to 10 Crores? Nayak Committee Turnover Method Revised Turnover Method MPBF with CMA data Cash Budget Method NOA Page 9 of 59 Which of the following MSME scheme launched by our bank for exclusively installing solar grid up to 2 MW for captive use? IOB Surya IOB Tejas IOB Guarantee Plus IOB Mahila Samridhi NOA Page 10 of 59 What is the maximum quantum of loan that can be financed under SME Gold scheme? 10 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 100 Lakhs Page 11 of 59 What is the maximum quantum of loan that can be financed under Revamped SME Easy scheme? 5 Crores 10 Crores 50 Crores 100 Crores No Max Limit Page 12 of 59 What is the minimum margin to be obtained against immovable property situated in semi urban area under revamped SME Easy Scheme? 25 % 30 % 40 % 50 % NOA Page 13 of 59 What is the maximum repayment period that can be allowed for term loan up to 50 Crores under revamped SME Easy Scheme? 72 Months with moratorium of maximum up to 12 months 84 Months with moratorium of maximum up to 12 months 120 Months with moratorium of maximum up to 12 months 120 Months with moratorium of maximum up to 18 months 84 Months with moratorium of maximum up to 18 months Page 14 of 59 In case of revamped SME Easy Scheme while considering residual value how much percentage to be earmarked for the existing exposure? 100 % 125 % 150 % 200 % NOA Page 15 of 59 In revamped SME Easy scheme borrowers will be eligible for adhoc facility of 20% of WC limit if the security coverage is more than or equal to____%? 100 % 120 % 150 % 200 % NOA Page 16 of 59 What is the minimum quantum of loan can be financed under SME Gold scheme? Rs.25000/- Rs.50000/- Rs.100000/- Rs.500000/- No Minimum Limit Page 17 of 59 MSME accounts with existing collateral coverage ratio of more than or equal to 35% are eligible for MSME instafund of maximum____amount? Rs.10 Crore Rs.25 Crore Rs.50 Crore Rs.100 Crore No Maximum Limit Page 18 of 59 MSME accounts with existing collateral coverage ratio of less than 35% are eligible for MSME instafund of maximum____amount? Rs. 5 Crores Rs. 10 Crores Rs. 25 Crores Rs. 50 Crores No max Page 19 of 59 MSME accounts with CGTMSE/CGFMU/Hybrid collateral coverage are eligible for MSME instafund of maximum_____amount? Rs.1 Crore Rs.2 Crore Rs.5 Crore Rs.10 Crore Rs.20 Crore Page 20 of 59 What is the maximum percentage of existing WC limit can be sanctioned under MSME instafund to a IOB 3 rated borrower having a satisfactory banking relationship of 2 years with us? 10 % 35 % 40 % 50 % No such limit Page 21 of 59 What is the maximum percentage of existing WC limit can be sanctioned under MSME instafund to a IOB 3 rated borrower having a satisfactory banking relationship of 3 years with us? 10% 25% 40 % 50% No such limit Page 22 of 59 For new borrowers under IOB Guarantee Plus scheme what should be the minimum CIC score for all promotors? 600 650 700 750 No min score required Page 23 of 59 Under IOB Guarantee Plus scheme loan amount up to ____amount collateral security is not required and it has to be covered under CGTMSE? 1 Crore 2 Crore 5 Crore 10 Crore NOA Page 24 of 59 Under IOB Guarantee Plus scheme additional term loan of ___% of TL/WCTL can be sanctioned for payment of CGTMSE guarantee fee up to 3 years? 1 2 3 4 5 Page 25 of 59 Limited companies are eligible for loan under IOB Mahila samridhi if the share holding by the women promotors is minimum ___%? 50% 51% 75% 100% NOA Page 26 of 59 What is the maximum quantum of loan can be given under IOB Mahila Samridhi Scheme? Rs.5 Crores Rs.10 Crores Rs.20 Crores Rs.50 Crores No Maximum Limit Page 27 of 59 Under IOB Mahila samridhi scheme loan amount up to ____amount collateral security is not required and to be covered under CGTMSE? 5 Crores 10 Crores 20 Crores 50 Crores 100 Crores Page 28 of 59 What is the maximum amount of Working Capital Term Loan can be sanctioned under IOB Mahila Samridhi scheme? 1 Crore 5 Crore 10 Crore 20 Crore NOA Page 29 of 59 What is the maximum reyament period can be fixed for TL/WCTL under IOB Mahila samridhi scheme? 60 Months 72 Months 84 Months 90 Months 120 Months Page 30 of 59 Under Revamped SME Easy scheme adhoc can be sanctioned up to____% of the WC limit if the security coverage is 200%? 10 % 20 % 30 % 40 % 50% Page 31 of 59 The limit of Merchant Credit Card can be fixed up to ___% of fund based working capital limit subjected to maximum of 5 Lakhs? 10 % 20 % 30% 40% NOA Page 32 of 59 What is the per day POS & E Com Limit of Merchant Credit Card? Rs.50000/- Rs.75000/- Rs.100000/- Rs.200000/- None of the above Page 33 of 59 What is the maximum amount of loan can be sanctioned under IOB Tejas Scheme? 5 Crores 8 Crores 9 Crores 10 Crores No Maximum Limit Page 34 of 59 What is the maximum repayment period for loans under IOB Tejas scheme? 72 Months 84 Months 120 Months 180 Months None of the above Page 35 of 59 Initiation of legal proceeding as a pre-condition for invoking of guarantees, is waived by CGTMSE in respect of those credit facilities covered under CGS, where the aggregate outstanding amount considered eligible for claim settlement by CGTMSE does not exceed ____ per claim. Rs.2 Lakh Rs.5 Lakh Rs.10 Lakh Rs.50 Lakh Rs.5 Crore Page 36 of 59 Loans to retail traders up to 10 Lakhs under Pradhan Mantri Mudra Yozna is covered under which guarantee scheme? CGTMSE CGFMU CGFSEL CGSSI Page 37 of 59 What is the upper ceiling for coverage under CGS-I per borrower for the credit facilities extended by MLIs to MSEs w.e.f 01.04.2023 ? 100 lacs 50 lacs 500 lacs 200 lacs noa Page 38 of 59 What is the upper ceiling for coverage under CGS-I scheme per borrower for credit facility extended by MLIs to retail trades w.e.f. 01.04.2023 ? 10 lacs 100 lacs 200 lacs 500 lacs 50 lacs Page 39 of 59 The lending institution under CGTMSE guarante may invoke the guarantee in respect of credit facility within a maximum period of _____ year from the date of NPA or lock in period whichever is later ? 1 Year 2 Years 3 Years 5 Years No time limit Page 40 of 59 In case of education loans under Vidya Surakshya scheme credit guarantee fee will be borned by____? Customer Bank Both Bank and Customer in ratio of 50:50 No guarantee fee applicable Goverment Page 41 of 59 Which of the scheme is applicable for guarantee coverage for co lending? CGFMU CGTMSE CGSSD CGSCL CGFSEL Page 42 of 59 W.e.f. 01.04.23 the extent of guarantee coverage for credit facility under CGTMSE has been increased to ___% for ZED certified MSEs , units in aspirational districts, women/sc/st enterpreneurs? 50 % 75 % 80% 85 % 100 Page 43 of 59 The extent of guarantee coverage for loans sanctioned to retail trades under CGTMSE on or after 01.04.23 is ___%? 50 % 75 % 80% 85% 100% Page 44 of 59 Government of Rajastan in collaboration with CGTMSE has lauched which of the following credit guarantee scheme? CGSSI MCGS MeCGS BRUPY Page 45 of 59 Which of the following is correct in respect of CGTMSE claim? Any recovery in account after receipt of first claim has to be adjusted towards principal Any recovery in account after receipt of first claim has to remitted to CGTMSE without delay Any recovery in account after receipt of first claim has to be adjusted towards interest OTS amount received after receipt of first claim has to be remitted to CGTMSE Both 2 & 4 Page 46 of 59 W.e.f. 01.04.23 MLIs can lodge claim in cases where legal action is waived in one installment with reduced extent of guarantee by ____percent? 10 15 20 25 50 Page 47 of 59 Under Revised Turnover method of working capital assessments for MSEs up to 7.5 Crores bank finance is permitted up to ___% for digital turnover portion? 20 % 25 % 30 % 50 % NOA Page 48 of 59 For MSME accounts having exposure of ______amount external rating is mandatory 25 Crores & Above 50 Crores & Above 100 Crores & Above 200 Crores & Above Page 49 of 59 Initiation of legal proceeding as a pre-condition for invoking of guarantees, is waived by CGTMSE in respect of those credit facilities covered under CGS, where the aggregate outstanding amount considered eligible for claim settlement by CGTMSE does not exceed ____ per claim. 2 Lakhs 5 Lakhs 10 Lakhs 50 Lakhs Page 50 of 59 Loan Delivery system applicable for WC limits up to Rs 100 crore WCDL limit up to Rs 10 crore WCDL limit up to Rs 50 crore WC limits of Rs 150 crore & above Page 51 of 59 For Financing Sugar mills, the capacity of the Sugar mill shall not be below the operational level of ___ TCD (Tonnes of sugarcane Crushed per Day? 1000 TCD 2000 TCD 2500 TCD 5000 TCD Page 52 of 59 The minimum margin prescribed for purchase of second hand machinery is? 10% 20% 25% 50% Page 53 of 59 TEV to be done for green field projects of ? Rs.10.00 crore and above Rs.25.00 crore and above Rs.50.00 crore and above Rs.100.00 crore and above Page 54 of 59 For consortium TEV may be insisted where? Total cost is 10 crores and above Total cost is 20 crores and above Total cost is 25 crores and above Total cost is 50 crores and above Page 55 of 59 In PM Vishwakarma scheme maximum loan in first and second Tranche? Rs.10,000/- & Rs. 20,000/- Rs. 20,000/- & Rs. 50,000/- Rs. 1,00,000/- & Rs. 2,00,000/- Rs. 1,00,000/- & Rs. 3,00,000/- Rs. 2,00,000/- & Rs. 3,00,000/- Page 56 of 59 PM Vishwakarma Scheme loan is disbursed in 2 tranches. What is the maximum Guarantee cover for the 1st tranche ? 13% 15 % 35.5 % 50 % Page 57 of 59 PM Vishwakarma Scheme loan is disbursed in 2 tranches. What is the effective Guarantee cover for the 1st tranche ? 13% 15 % 35.5 % 50 % Page 58 of 59 PM Vishwakarma Scheme loan is disbursed in 2 tranches. What is the maximum Guarantee cover for the 2st tranche ? 13% 15 % 35.5 % 50 % Page 59 of 59 PM Vishwakarma Scheme loan is disbursed in 2 tranches. What is the effective Guarantee cover for the 2st tranche ? 13% 15 % 35.5 % 50 % View ResultsPlease provide your contact information to proceed.Email Address *First Name *Consent *Yes, I agree with the privacy policy and terms and conditions.Start Quiz
