Sr No Questio Question Text * Option1 Ans1 Option2 Ans2 Option3 Ans3

n Level * (Y/N) * * (Y/N) * (Y/N)

*

For becoming
eligible for Car Loan
under Insta- Vehicle
Loan Scheme,
existing Home Loan
borrower should 1N 2N 3Y
have a satisfactory
track record of last
_______ years with
the Bank?

1 Level 1

Moratorium period
will be included the
tenure of the home
loan which
considering
assessing track 1N FALSE Y
record of a
borrower for loan
under Insta Vehicle
Loan Scheme. State
True or False?

2 Level 1

Which of the
following types of New
vehicle can be New N Two N Old Car N
purchased under Car Wheele
Insta Vehicle Loan r
Scheme?
3 Level 1
 Maximum
repayment in case
of a four wheeler is 84 60 48
______ months months N months N months N
under Insta Vehicle
Loan?
4 Level 1

Flat Rs
What is the 1000/- 0.50% 0.25%
processing fees exclusiv Y of the of the
under Insta Vehicle loan N loan N
Loan Scheme? e of amount amount
taxes
5 Level 1

A loan of _____% of
the on road price of
car/ two wheeler
would be allowed
under Insta Vehicle 80, 10 N 90, 15 N 90, 10 Y
Loan Scheme
subject to
maximum of Rs
_____ lacs?

6 Level 1

Which of the
following types of
vehicle cannot be New 4 New 2 Old 4
wheele N wheele N wheele N
purchased under rs rs rs
PNB Combo Loan
Scheme?
7 Level 1
 What is the
processing fees that 0.25%
is required to be 0.50% Flat Rs of the
charged under PNB of loan N
Combo Loan amount 1000/- N loan N
Scheme of car amount
loan?
8 Level 1

What should be the

minimum gross
income for salaried
class customer 15000 N 25000 N 50000 Y
under PNB Combo
Loan Scheme?
9 Level 1

Margin under PNB

Combo Loan
Scheme will be 10 Y 20 N 15 N
______% of the on
road price of the
car?
10 Level 1

Under PNB Combo

Loan Scheme,
repayment period
of car loan cannot
be more than
repayment period 1Y FALSE N
of Housing Loan
subject to
maximum of 84
months. State True
or False?

11 Level 1
 1% per 2% per 1.50%
per
What are the penal annum annum annum
charges in case of of N of Y of N
Insta Vehicle Loan? overdu overdu overdu
e e
amount amount e
amount

12 Level 1

Reimbursement of
the cost of new
Electrical Car can
be done if the
vehicle is not more 1N 2N 3Y
than ______
months old under
PNB Green Car
Loan (e Vehicle)
Scheme?

13 Level 1

What is the scheme

code for PNB Green
Car Loan Scheme in TLPVL N TLPPL N TLEEL N
CBS System?
14 Level 1

What should be
minimum net
monthly salary
while considering 50000/- N 45000/- N 30000/- N
loan under PNB
Green Car Loan (e
Vehicle) Scheme?
15 Level 1
 No minimum
monthly income/
no income proof is
required in cases
where borrower
agrees to give
______% of liquid 100 N 120 N 125 N
security in shape of
Term Deposit of
our Bank under
PNB Green Car
Loan (e Vehicle)
Scheme?

16 Level 1

Margin in case of
purchase of new
vehicle would be
_____% of on road
10%,
price or ______% of 10% N 10%, 0 Y 0, 0 N
ex-showroom price
under PNB Green
Car Loan (e Vehicle)
Scheme?

17 Level 1

Any subsidy
received from any
source will be
credit in loan
account under PNB 1Y FALSE N
Green Car Loan (e
Vehicle) Scheme.
State True or False?

18 Level 1
 Car Loan under PNB
Combo Loan
Scheme can be
sanctioned before
creation of 1N FALSE Y
mortgage under
Housing Loan. State
True or False?

19 Level 1

While assessing
eligibility under
PNB Car Loan,
company/ firm/
borrowing units 1N 2Y 3N
should have cash
profit for last how
many years?
20 Level 1

What is scheme
code for opening
car loan account TLPVL Y TLTTL N DLPVL N
under CBS system?
21 Level 1

In case
reimbursement of
cost of new car,
invoice date of the 6 N
12 3
vehicle should not months Months N months Y
be more than -------
moths old?
22 Level 1

What should be
minimum net
monthly salary/ 10000 N 20000 N 30000 N
income of an
individual for
availing car loan?
23 Level 1
 No minimum
monthly income/
salary proof is
required in case
borrower agrees to
1N FALSE Y
give 100% liquid
security in form of
Term Loan to the
bank. State True or
False?

24 Level 1

Who among the

following can
sanction need
based loan to GBB PLP MCC
individuals within Head N Head N Head N
their vested power
under PNB Car Loan
Scheme?

25 Level 1

Minimum margin
required for
purchase of new
vehicle is ---------%
of the on road price
including one time 10 N 20 N 30 N
road tax and
insurance, for
purchase of a new
vehicle under PNB
Car Loan Scheme?

26 Level 1
 Minimum margin
required for
purchase of old
vehicle is ------% of 20 N 25 Y 30 N
the value of vehicle
under PNB Car
Loan?
27 Level 1

For persons
engaged in
Agriculture
activities, maximum
tenure for 5 years Y 4 years N 3 years N
repayment of loan
in case of old
vehicle is --------
years?
28 Level 1

For Gross Monthly

Income above Rs
50000.00,
maximum
permissible
deductions allowed
are ------% of GMI 50, 60 N 70, 80 N 60, 70 Y
which can be
permitted to the
extend of ---------%
by CHCAC and
above in case of car
loan?

29 Level 1

If car loan above Rs

10.00 lacs is
sanctioned, score
from how many 1 CIC N 3 CICs N 4 CICs N
CICs is required to
be obtained?
30 Level 1
 Finance is
permitted for
purchase of old
vehicle under PNB 1N FALSE Y
Green Loan
Scheme. State True
or False?
31 Level 1

No loan under Car

Loan Scheme can
be sanctioned in
any category if CIC 675 N 650 Y 700 N
score is intending
borrower is less
than --------?
32 Level 1

A loan was
sanctioned on Yes @ Yes @ Yes @
floating rate on 2% of 1% of 3% of
01.09.2022, will pre
payment charges outstan N outstan N outstan N
be levied if ding ding ding
loan loan loan
borrowers wants to amount amount amount
close his account
prematurely?

33 Level 1

Guarantee
acceptable to bank
will be taken in
cases where Gross 50000 Y 60000 N 55000 N
Monthly Salary is
less than Rs ---------
in case of Car Loan?

34 Level 1
 If a borrower is a
permanent
employee of
Central
Government, no
1Y FALSE N
guarantee is
required to be
taken to secure the
bank interest. State
True or False?

35 Level 1

Loan can be
considered for
sanction by next Above Above
higher authority in 50 and Less 40 and N
cases where PNB N than 40 N
Score is ----------- upto 60 upto 45
under PNB Car Loan
Scheme?

36 Level 1

In case of regular
accounts,
inspection charges
of Rs -------- are 100 +
100 N GST N 150 N
required to taken
from the borrower
in car loan?
37 Level 1

What are the

upfront fees and 0.00% 0.10% 0.25%
documentation of loan N of loan N of loan Y
charges in case of amount amount amount
car loan?
38 Level 1
 HUFs are not
eligible for car loan
under PNB Car Loan 1Y FALSE N
Scheme. State True
or False?
39 Level 1

All types of
pensioners who are
drawing pension
through our
branches are 1Y FALSE N
eligible under PNB
Aabhar Rin. State
True or False?

40 Level 1

Loan cannot be
granted for medical
expenses under 1N FALSE Y
PNB Aabhar Rin.
State True or False?
41 Level 1

Under PNB Aabhar, Overdr

Loan can be aft on
disbursed through Term Deman monthl
which the following Loan N d Loan N y N
methods under reducin
PNB Aabhar Rin? g DP
42 Level 1

What is the
minimum eligible
loan amount of 10000 N 20000 N 25000 Y
pension loan under
PNB Aabhar Rin?
43 Level 1
 Under PNB Aabhar,
Maximum loan
amount for public is
______ times of net 15, 7.50 10, 7.50 18, 7.50
monthly pension or N N N
____ lacs, lacs lacs lacs
whichever is lower,
if borrower age is
less than 70 years?

44 Level 1

Under PNB Aabhar,

Maximum loan
amount for defense
pensioners is 20, 18, 15,
______ times of net
monthly pension or 10.00 Y 10.00 N 10.00 N
____ lacs, lacs lacs lacs
whichever is lower,
if borrower age is
less than 70 years?

45 Level 1
 Under PNB Aabhar,
For a borrower
whose age is 73
years and is a
defense pensioner,
maximum loan 20, 20, 7.50 18,
10.00 N Y 10.00 N
upto _____ times lacs lacs lacs
of net monthly
pension or _____
lacs, which ever is
lower can be
sanctioned?

46 Level 1

Under PNB Aabhar,

Maximum loan
amount is ______
times of net
12,
monthly pension or 15, 5.00 10.00 12, 5.00
____ lacs, lacs N N lacs Y
lacs
whichever is lower,
if borrower age is
more than 75
years?

47 Level 1

5.00%
upto
age of
75
What is applicable years
margin under PNB 5.00% N 10.00% N and N
Aabhar Rin? 10.00%
above
75
years

48 Level 1
 Term Loan
sanctioned under
PNB Aabhar Rin has
to be repaid in
______ equal 84, 75 N 84, 78 N 60, 75 N
monthly years years years
installments or
upto age of _____
years, whichever is
earlier?
49 Level 1

Under PNB Aabhar,

If Gross Monthly
Pension of a
pensioner is upto
Rs 30000/-, 50% N 30% N 10% N
maximum
permissible
deduction that can
be permitted is
____% of GMP?

50 Level 1

Under PNB Aabhar,

If Gross Monthly
Pension of a
pensioner is above
Rs 30000/-, 50% Y 40% N 30% N
maximum
permissible
deduction that can
be permitted is
____% of GMP?

51 Level 1
 Who among the
following cannot
permit relaxation in
maximum
permissible AGM GBB
deduction of Gross PLP N Head Y CHCAC N
Monthly Pension of
a pensioner who is
seeking loan under
PNB Aabhar Rin?

52 Level 1

What are the

documentation 100 + 500 +
charges under PNB taxes N 100 N taxes Y
Aabhar Rin?
53 Level 1

Whenever a third
party guarantee is
taken under PNB
Aabhar Rin, it Less Equal More
should ensured than N to N than N
that net worth of
the person is
________ of the
loan amount?
54 Level 1

Earning Third
Among the below Childre party
mentioned options, Spouse n, if guarant
whose guarantee eligible loan is ee If No
can be obtained to for N N N
secure the loan family given to earning
under PNB Aabhar pension family childre
Rin? pension n or
er spouse

55 Level 1
 Loan can availed
more than once
under PNB Aabhar
Rin after 1Y FALSE N
adjustment of
earlier loan. State
True or False?
56 Level 1

Under PNB Aabhar,

Monthly
installment should Same
be recovered
________ after day of
credit of monthly next T+2 credit
pension in the day N days N of Y
Pension
account of in
pensioner, if account
pension loan has
been taken in form
of Term Loan?

57 Level 1

In cases of DPDO
Pensioners, letter
of authority as per
Annexure ____ I N II N III N
should be obtained
and held on
record?
58 Level 1
 For a borrower
whose age is 74
years and is under
public category,
maximum loan 20,
upto _____ times 20, 7.50 N 10.00 N
18, 7.50
Y
lacs lacs
of net monthly lacs
pension or _____
lacs, which ever is
lower can be
sanctioned?

59 Level 1

Which of the
following types of
two wheelers can Scooter Motorc Scooter
be financed under s N ycle N rate N
PNB Saarthi
Scheme?
60 Level 1

Existing customer
should have at least
…….. Months
satisfactory
transactional 3N 4N 2N
record to be eligible
under PNB Saarthi
Scheme?

61 Level 1

Salaried persons
with pension are
eligible upto the
60 N 65 N 70 Y
age of …….. years
under PNB Saarthi
scheme?
62 Level 1
 New customer
having satisfactory
track record of at
least …….. months
with other bank or 6N 12 Y 15 N
Financial Institution
is eligible for loan
under PNB Saarthi
scheme?

63 Level 1

What is the scheme

code for opening
loans under PNB TLPTL Y TLTPL N TLTTL N
Saarthi scheme in
CBS system?
64 Level 1

What should be
take home net
monthly salary/
income of borrower
after all the
deductions 5000 N 7500 N 8000 N
including proposed
two wheeler loan
installment under
PNB Saarthi
Scheme?

65 Level 1
 Minimum income
criteria will be
waived for a
borrower who
agrees to give ……. 60 N 75 N 100 N
% liquid security in
shape of term
deposit under PNB
Saarthi Scheme?

66 Level 1

For business
concerns, minimum
DSCR requirement 1.10: 1 N 1.50: 1 Y 1.20: 1 N
for giving under
PNB Saarthi scheme
is ……………….?
67 Level 1

What is the
maximum loan
amount that can be
sanctioned for
super bikes having
engine capacity of 10.00 7.50 5.00
200 CC and above lacs Y lacs N lacs N
based on the
repaying capacity of
the borrower under
PNB Saarthi
Scheme?

68 Level 1
 What is the
maximum loan
amount that can be
sanctioned for two
wheelers having
engine capacity of 3.00 2.50 2.00
N N N
less than 200CC lacs lacs lacs
based on the
repaying capacity of
the borrower under
PNB Saarthi
Scheme?

69 Level 1

What is the margin

in cases where
salary is disbursed 25% of 20% of 15% of
from our branch
when a borrower is on road N on road N on road N
availing loan under price price price
PNB Saarthi
Scheme?

70 Level 1

What is maximum
number of EMI that
can be allowed for
repayment of loan 30 N 24 N 60 Y
taken for purchase
of scooter under
PNB Saarthi
scheme?

71 Level 1
 PNB Power Ride is a
scheme for
financing purchase
of two wheeler 1Y FALSE N
vehicle by women
beneficiaries. State
True or False?

72 Level 1

Salaried
Self
women employ
Which of the with ed
following are Scheme minimu women
is for m6
included in women N months N with N
eligibility criteria benefici experie experie
under PNB Power ary only nce in nce of
Ride scheme? more
present than 1
organiz year
ation

73 Level 1

What should be
take home net
monthly salary/
income of borrower
after all the
deductions 10000 N 9000 N 8000 Y
including proposed
two wheeler loan
installment under
PNB Power Ride
Scheme?

74 Level 1
 What is the
maximum loan
amount that can be
50000 N 60000 Y 70000 N
sanctioned under
PNB Power Ride
Scheme?
75 Level 1

Upfront fees and

documentation
charges are …..% of 0.75 N 0.25 N 0.8 N
the loan amount
under PNB Power
Ride Scheme?
76 Level 1

Inspection of
Vehicle financed by
the bank shall be PNB Y PNB N PNB N
done on ……… and 551 420 501
same should be
kept in record?
77 Level 1

Cut off level for

sanction of two
wheeler vehicles 50 and above 40 to
has been kept at above N 50 Y 50 N
…………. under PNB
Score Model?
78 Level 1
 All deductions
including the
proposed Two-
wheeler loan
installment should
not exceed ………..%
20 N 30 N 40 N
of Gross Monthly
Salary/ Income
(GMS/ I) of the
borrower(s) under
PNB Power Ride
scheme?

79 Level 1
Which of the Retail Y Retail N Corpor N
following divisions Asset Banking ate
look after Division Division Credit
performance, Division
monitoring and
control of all retail
segment schemes?

80 Level 1
Which of the Housin N Mudra Y Loan to N
following schemes g Loan Loan Pension
is not included in along ers
Retail Loan with all
Schemes? variants

81 Level 1
Under PNB Score, Above N Above N Above Y
proposal may be 50 and 40 and 75
considered for price upto 75 upto 50
discount by the
competent
authority when the
score is
_________?

82 Level 1
 Education loan PLP N MCC N GBB N
proposals having Head Head Head
PNB score of less
than 40 can be
considered for
sanction by
____________?

83 Level 1
What is the name PNB N PNB N PNB Y
the educational Sarasw Kaushal Pratibh
loan scheme ati a
offered by PNB for
students who have
secured admission
in the Premier
Institutes of India?

84 Level 1
Which of the Busines N Enginee N Medical N
following are s ring College
included in Premier Schools Schools s
Institutes of India
under PNB Pratibha
Scheme?

85 Level 1
What is the 20.00 N 40.00 N 50.00 N
maximum amount lacs lacs lacs
of Loan a student
can get under PNB
Pratibha scheme?

86 Level 1
 Scholarship/ 1 Y FALSE N
assistantship can be
included in the
margin while
assessing the loan
amount under PNB
Pratibha Scheme.
State True or False?

87 Level 1
What is the loaning 80.00 N Nil Y 100.00 N
power of GBB lacs lacs
headed by a Scale
IV officer under
PNB Pratibha
Education Loan
Scheme?

88 Level 1
What is the loaning 50.00 N 75.00 N 100.00 Y
power of AGM lacs lacs lacs
headed RAM under
PNB Pratibha
Education Loan
Scheme, subject to
institution wise
ceiling?

89 Level 1
 What is the loaning 75.00 N 50.00 N 100.00 N
power of MMG III, lacs lacs lacs
Segment Head of
RAM under PNB
Pratibha Education
Loan Scheme,
subject to
institution wise
ceiling?

90 Level 1
CHCAC can sanction 30 Y 60 N 90 N
maximum collateral
free loan upto
…………% over and
above the institute
wise ceiling
prescribed for
collateral free loan
with Nil margin for
all institutes falling
under PNB Pratibha
Education Loan
Scheme?

91 Level 1
 ZOCAC can sanction 100 N 75 N 30 N
maximum collateral
free loan upto
…………% over and
above the institute
wise ceiling
prescribed for
collateral free loan
with Nil margin for
all institutes falling
under PNB Pratibha
Education Loan
Scheme?

92 Level 1
All eligible 10.00 N 7.50 Y 5.00 N
education loans lacs lacs lacs
upto Rs ……… lacs
sanctioned on and
after 16.09.2015
shall be covered
under Credit
Guarantee Fund
Scheme on
Education Loan?

93 Level 1
 Which of the EDULO N PRALO N EDULO Y
following menu AN AN ANM
option is used for
entering name of
the institute in CBS
while granting loan
under PNB Pratibha
Education Loan
Scheme?

94 Level 1
Which of the Fee N Lodging N Examin N
following expenses payable and ation/
are considered to boardin Library
while granting loan college g Fees
under PNB Pratibha expens
Education Loan es be
Scheme? conside
red on
self
declarat
ion
basis

95 Level 1
Expenses upto Rs 1.00 lac Y 2.00 lac N 3.00 lac N
………. Lacs for
purchase of Two
Wheeler on
submission of
quotation may be
allowed under the
PNB Pratibha
scheme?

96 Level 1
 Personal living 2.00 lac N 3.00 lac N 2.50 lac N
expenses upto Rs
……. Lacs for
courses upto 1 year
on declaration basis
can be done under
PNB Pratibha
Scheme?

97 Level 1
Personal living 1.00 lac N 2.00 lac Y 3.00 lac N
expenses upto Rs
……. Lacs for
courses with
duration of more
than 1 year on
declaration basis
can be done under
PNB Pratibha
Scheme?

98 Level 1
Maximum limit of 25 N 15 N 10 Y
caution deposit
that can be paid
under PNB Pratibha
Scheme is …………%
of the total tuition
fees for the entire
course?

99 Level 1
 What is the loaning 50.00 N 200 lacs N 150 lacs N
power of SMG IV, lacs
Segment Head of
RAM under PNB
Pratibha Education
Loan Scheme,
subject to
institution wise
ceiling?

100 Level 1
Part time Post 1 N FALSE Y
Graduate Programs
in Management for
Executives offered
by Indian Institute
of Management
(IIM) at all the
centers are not
included in PNB
Pratibha Education
Loan Scheme. State
True or False?

101 Level 1
 Which of the e-Post N Three N Post N
following courses Gradua year graduat
are included under te part e
PNB Pratibha Progra time diplom
Education Loan mme in weeken a in
Scheme? Manag d post Manag
ement graduat ement
for e offered
executi diplom by
ves a NIBM
under progra Pune
distanc mme in
e Busines
learnin s
g mode Manag
offered ement
by IIM for
working
Executi
ves
conduct
ed by
Xavier
School
of
Manag
ement

102 Level 1
Finance under PNB 1 Y FALSE N
Pratibha Education
Loan scheme can
be provided to
Resident Indian
only. State True or
False?

103 Level 1
 Integrated Section N Section N Section N
Ombudsman 35 A of 45L of 18 of
Scheme, 2021 aims Banking the Paymen
at resolving the Regulat Reserve t and
customer ion Act, Bank of Settlem
grievances related 1949 India ent Act,
to entities Act 2007
regulated by
Reserve Bank of
India under which
of the following
sections?

104 Level 1
The Integrated 11.11.2 N 12.11.2 Y 13.11.2 N
Ombudsman 021 021 021
Scheme, 2021 was
launched by
Honourable Prime
Minister of India on
………………..?

105 Level 1
RBI may order to 1 Y FALSE N
suspend the
scheme for a period
as mentioned in the
order. State True or
False?

106 Level 1
 The Executive Authori N Appella N Appella Y
Director in Charge zed te te
of the department Repres Authori Authori
of the Reserve Bank entativ ty ty
of India e Secreta
administrating the riat
Ombudsman
scheme is called as
…………………?

107 Level 1
Under the scheme, Section N Section N Section N
the Reserve Bank is 1 2 5
the Reserve Bank of
India constituted
under section ……….
Of the Reserve
Bank Of India Act,
1934?

108 Level 1
Tenure of 12 N 24 N 36 Y
Ombudsman and
Deputy
Ombudsman
appointed by RBI
cannot exceed a
period of ………
months?

109 Level 1
Complaints can be 1 N FALSE Y
submitted by the
complainants in
physical form only.
State True or False?

110 Level 1
 Who among the Only by N Only by N Both of N
following can sign complai Authori the
the complaint, if nant zed above
submitted by the Repres
complainant in entativ
physical form? e

111 Level 1
Which of the Comme N Conflict N A N
following types of rcial betwee grievan
complaints cannot Judgem n ce not
lie under the ent of vendor address
scheme? the and ed to
regulat regulat Ombud
ed ed sman
entity entity directly
in case
of
outsour
cing
contrac
t

112 Level 1
Complaint will lie 30 days Y 15 days N 10 days N
under the scheme if
complainant has
made the written
complaint with the
regulated entity
and has not
received the reply
within ……. Days of
receiving the
complaint by the
regulated entity?

113 Level 1
 Complainant can 1 year N 1 year Y 30 days N
file complaint with and 30
Ombudsman within days
a period of
………………….., if no
reply of the
complaint is
received from
regulated entity?

114 Level 1
Complaint can be 1 Y FALSE N
lodged by an
advocate under
ombudsman
scheme, only in
cases, where he
himself is aggrieved
person. State True
or False?

115 Level 1
Which of the Compla N Compla N Compla N
following int ints ints
complaints cannot offering seeking seeking
be treated as a suggest guidanc explana
valid complaint? ion e tion

116 Level 1
Regulated entity 10 days N 7 days N 21 days N
has to submit the
written version of
the complaint
before the
Ombudsman
within ….. Days of
receipt of the
complaint?

117 Level 1
 Complaint would It has N N The N
be deemed been complai
resolved when settled The nant
……………? by the complai has
Regulat nant withdra
ed has wn the
Entity agreed complai
with in nt
the writing volunta
complai or rily.
nant otherwi
upon se
the (which
interve may be
ntion of recorde
the d) that
Ombud the
sman. manner
and the
extent
of
resoluti
on of
the
grievan
ce is
satisfac
tory.
118 Level 1
Ombudsman does 10.00 N 15.00 N 20.00 Y
not has power to lakhs lakhs lakhs
pass an award
more than the
consequential loss
to the complainant
or Rs …….. Lakhs,
whichever is lower?

119 Level 1
 Ombudsman may 1.00 Y 0.50 N 0.75 N
award a lakh lakh lakh
compensation of
nor exceeding Rs
…….. Lakhs to the
complainant as loss
of time, expenses
incurred,
harassment etc?

120 Level 1
Complainant has to 15 N 30 Y 45 N
give a letter of
acceptance within
……… days of
receipt of copy of
reward to avoid
award from getting
lapsed?

121 Level 1
Which of the Dismiss N Allow N Modify N
following decisions the the the
can be taken by the appeal appeal award
Appellate Authority and set or
after hearing the aside order
parties? order of
of Ombud
Ombud sman
sman

122 Level 1
 which of the If there N If N The N
following cannot be is no compe complai
a reason for deficien nsation nt is
rejection of cy sought without
complaint? is more sufficie
than nt
powers cause
of
Ombud
sman

123 Level 1
In case borrower 1 N 2 N 3 Y
was availing credit
facilities from
another Bank/ FIs
within a period of
____ months prior
to submitting loan
proposal to our
Bank, such credit
proposal shall be
treated as ‘Deemed
takeover’

124 Level 1
Permission for take Housin N Car N N
over from next g Loan Loan Corpor
higher authority is along ate
not required even if with all Loan
the account is variants
closed within 3
months in case of
_________?

125 Level 1
 A borrower has Sanctio N Move N Cannot Y
approached a MCC n the the sanctio
branch for take loan propos n the
over of his loan al to loan
account from CHCAC
another bank with for
overall limit of Rs sanctio
4.00 crores. On n
credit risk
assessment, it was
observed that his
Internal Credit Risk
Rating was "B2". In
such case what
action can be taken
by the MCC Head?

126 Level 1
For cases upto the Sanctio N HOCAC N HOCAC N
level of HOCAC I, ning II III
where Authori
enhancement ty
desired in the
facility is more than
25%, then the
competent
authority to
consider the same
will be
______________?

127 Level 1
Can a defaulter in
any Bank/ Financial
Institution avail
loan under the
Mudra scheme?

128 Level 1 Yes N No Y

 Is it mandatory on
part of the
borrower to furnish
an undertaking that
he/ she will deal
exclusively with
our bank in case he
avails MUDRA loan?

129 Level 1 Yes Y No N

What is the
repayment period
of Mudra loan?

130 Level 1 7 Years Y 8 Years N 6 Years N

Is it mandatory to
obtain Udhyog
Adhaar Number ?
131 Level 1 Yes N No Y
What is the time
period for which
working capital
limit can be
sanctioned under
PMMY?
132 Level 1 6 Years N 5 Years N 4 Years N
Mudra card can be
issued to joint
account holders.
State True or False.

133 Level 1 1 N FALSE Y

What is the 10 N 5 Lakhs N 1 Lakh Y
maximum amount Lakhs
of loan that can be
availed through
MUDRA card?

134 Level 1
 What should be the 200.00 N 150.00 N 50.00 N
minimum existing lacs lacs lacs
credit facility for
providing car loan
to existing MSME/
Corporate
Borrowers?

135 Level 1
What is the Rs 5.00 Y Rs N Rs N
maximum car loan lacs 10.00 15.00
amount that can be lacs lacs
sanctioned to a
proprietor of a
MSME unit, in case
income of the
proprietor is upto
Rs 50000/- per
month?

136 Level 1
What is the Rs 5.00 N Rs Y Rs N
maximum car loan lacs 10.00 15.00
amount that can be lacs lacs
sanctioned to a
proprietor of a
MSME unit, in case
income of the
proprietor is above
Rs 50000/- per
month and upto Rs
1.00 lac per month?

137 Level 1
 What is the Rs 5.00 N Rs N Rs N
maximum car loan lacs 10.00 20.00
amount that can be lacs lacs
sanctioned to a
proprietor of a
MSME unit, in case
income of the
proprietor is above
Rs 1.00 lac per
month?

138 Level 1
What is the 0.10% N 0.20% N 0.30% N
processing fees and of loan of loan of loan
documentation amount amount amount
charges in case of
car loan to existing
MSME Borrowers?

139 Level 1
For considering 650 N 675 N 680 Y
Home Loan,
borrowers should
have a minimum
acceptable Credit
Vision score of
CIBIL should be
_______?

140 Level 1
 A borrower has Aggreg N Default N Current N
approached our ate / CIBIL
bank for a home amount irregula CV
loan. His Credit of rity score
Vision Score under default should should
CIBIL was 650. In except atleast not be
such case, credit be 1 less
sanctioning card year than
authority may with prior to 600
consider regard the
sanctioning the to date of
loan provided credit applicat
_______? facilitie ion of
s with home
all the loan
bank
should
not
exceed
Rs
25000/-

141 Level 1
Under construction SBI N BOB N Canara N
projects of which of Bank
the following banks
can be treated as
deemed approved,
based on stand
alone approval
letters?

142 Level 1
 A GBB Head has Provide N Move N Move N
recommended a Approv project project
under construction al for to to
project for approval the ZOCAC HOCAC
on 30.09.2022 as project for I for
the project was approv approv
already approved al al
by SBI. The letter of
approval from SBI
was carrying date
31.08.2020. In such
a case, what action
can be undertaken
by the CHCAC?

143 Level 1
What is the margin 10% N 25% N 20% Y
requirement for a
home loan of Rs
45.00 lacs
sanctioned for any
purpose other than
purchase of land/
plot?

144 Level 1
 What is the margin 25% Y 20% N 15% N
requirement for a
home loan above
Rs 75.00 lacs
sanctioned for any
purpose other than
purchase of land/
plot?

145 Level 1
A person who lives PLP N CHCAC Y ZOCAC N
in Delhi wants to Head
purchase property
in Agra. For this
purpose, he has
approached one of
our branches in
Agra for Housing
Loan. In such cases,
wo among the
following is the
competent
authority to
provide
administrative
clearance to the
branch for
considering housing
loan?

146 Level 1
 What is the 100.00 N 200.00 N 500.00 N
maximum loan lacs lacs lacs
amount that can be
sanctioned for
construction/
addition/ purchase
of new flat/ house
under PNB Home
Loan Scheme?

147 Level 1
A borrower has 50.00 N 75.00 N 100.00 Y
approached our lacs lacs lacs
bank for a home
loan which he
requires for
purchase of plot for
construction of
house building in
Delhi. In this case,
AGM RAM can
sanction a
maximum loan
amount of Rs
______ lacs?

148 Level 1
What is the loaning 300.00 Y 500.00 N 750.00 N
power of ZOCAC lacs lacs lacs
and above in case
of Home Loan to be
sanctioned for
purchase of plot at
a center which is
neither a state
capital nor metro
center?

149 Level 1
 Loan amount for 50% N 75% N 80% N
purchase of Land/
Plot for
construction of
house building
under any
circumstance can
not more than
_____% of the
eligible Home loan
amount as per the
repayment
capacity?

150 Level 1
Mr. A has Rs N Rs Y Rs N
purchased a house 15.00 25.00 30.00
in January 2022 for lacs lacs lacs
Rs 15.00 lacs and is being being being
selling it to Mr. B initial the the
for a consideration purchas conside valuatio
amount of Rs 25.00 e value ration n of
lacs. Valuation of value propert
the property as per y as per
the valuation approv
report of the ed
approved valuer is valuer
Rs 30.00 lacs. In this
case which amount
will be on the basis
of _________ value
of house?

151 Level 1
 Mr. A has Rs N Averag N Averag N
purchased a house 15.00 e of e of
in January 2022 for lacs conside original
Rs 15.00 lacs and is being ration purchas
selling it to Mr. B initial value e value
for a consideration purchas and and
amount of Rs 25.00 e value Value conside
lacs. on 30.09.2022 as per ration
Valuation of the valuatio value
property as per the n
valuation report of report
the approved
valuer is Rs 20.00
lacs. In this case
which amount will
be on the basis of
_________ value of
house?

152 Level 1
Cost of car parking 1 N FALSE Y
cannot be included
in project cost of
house while
granting Home
Loan. State True or
False?

153 Level 1
 If a borrower is 60% M 70% N 50% Y
having a gross
annual income of
upto Rs 5.00 lakhs,
maximum
permissible
deductions of ____
% is allowed in case
of Home Loan?

154 Level 1
If a borrower is 70% Y 60% N 50% N
having a gross
annual income
above Rs 10.00
lakhs, maximum
permissible
deductions of ____
% is allowed in case
of Home Loan?

155 Level 1
Which of the Stamp N Registr N Other N
following can be Duty ation Docum
considered towards Charges entatio
the margin money n
for Home Loan? Charges

156 Level 1
What should be the 70% N 80% N 75% N
LTV ratio for loan
upto Rs 30.00 lacs
under Home Loan
Scheme?

157 Level 1
 What should be the 80% Y 85% N 75% N
LTV ratio for loan
above Rs 30.00 lacs
and upto Rs 75.00
lacs under Home
Loan Scheme?

158 Level 1
What should be the 75% N 80% Y 85% N
LTV ratio for loan
above Rs 75.00 lacs
where CIC score is
680 and above or -1
or 0?

159 Level 1
In case of home 713 N above N 715 Y
loan, if there are 750
more than one of
the applicants and
one of the
applicants whose
salary has been
considered for
eligibility loan, has
a CIC Score of 715
and rest two
applicants has
score of -1. In such
case, CIC score that
would be
considered for
providing Interest
benefits shall be
________?

160 Level 1
 In Home Loan, for 680 N 690 N 715 N
availing interest
benefits CIC score
of all the individuals
whose incomes are
considered for
eligibility, should be
more than _____?

161 Level 1
In case of Home 0.10% N 0.20% N 0.30% N
Loan under
Commercial Real
Estate (CRE), the
applicable rate of
interest will be
_____% higher than
the normal rate
across all slabs?

162 Level 1
Under Home Loan 3 years Y 2 years N 4 years N
Scheme, if a
borrower want to
change from fixed
rate of interest
option to floating
rate of interest
option, the same
can be permitted
after a minimum
period of ____
years from the
sanction?

163 Level 1
 Under Home Loan 5%, 2% N 2%, 1% Y 2%, N
Scheme, if a 1.50%
borrower want to
change from fixed
rate of interest
option to floating
rate of interest
option or vice
versa, the same can
be done subject to
payment of ____%
flat fees on the
balance
outstanding in the
account, which can
be reduced to
_______% by
CHCAC and above?

164 Level 1
Every Home Loan 4th N 5th N 2nd N
sanctioned for ____
or subsequent
house/ flat shall be
classified as
Commercial Real
Estate and ROI shall
be applied
accordingly?

165 Level 1
 A borrower has Executi N Executi N Executi N
taken home loan on of on of on of
from our bank for stampe stampe stampe
purchase of a flat d d d
allotted by Housing Agreem Agreem Agreem
Board. However, ent ent ent
the mortgage betwee betwee betwee
cannot be created n n n
immediately in this Housin Housin Intende
case. Then which of g Board g Board d
the following and and Borrow
actions can be Borrow Bank er and
undertaken by the er Bank
bank?

166 Level 1
In case of Home CM N AGM N CHCAC N
Loan where RAM RAM and
Government Above
Development
Agencies are not
entering in the
Tripartite
Agreement with
the Bank, in such
cases, loan can be
considered by
_________?

167 Level 1
 A borrower has Obtaini N Creatin N Inform N
approached the ng g concern
bank through RAM Original Negativ ed
headed by AGM for Letter e Lien Instituti
a Home Loan. of on ons
However, during Allotme propert that
processing, it is nt y being bank
observed that flat is finance has
being purchased d finance
from a Government d the
Development propert
Authority and the y, get
authority is not Bank’s
ready to enter into lien
TPA with bank. In noted
such a situation, in their
AGM PLP can records
consider the loan and
for sanction after obtain
ensuring which of original
the following possess
conditions? ion slip
issued
by the
concern
ed
Instituti
ons
168 Level 1
 While granting 125% Y 120% N 150% N
housing loan, it was
observed that
mortgage of the
title deeds is not
possible as the
property is an
ancestral property
without title deeds,
in such case, loan
can be sanctioned
by sanctioning
authority after
obtaining other
security at its
discretion whose
value should be
equal to _____% of
the loan amount?

169 Level 1
In case of Home 25% N 50% Y 75% N
Loan sanctioned for
repair and
renovation, after
disbursing ____%
of the sanctioned
amount,
subsequent
disbursement shall
be made after
proper verification
of the earlier
disbursed amount?

170 Level 1
 For Housing Loans, Market N Realiza N Reconst Y
insurance is done at Value ble ruction
________ of the Value Cost
property with usual
bank clause?

171 Level 1
A Home Loan 20 N 25 N 15 N
sanctioned for years years years
construction of
House can be
repaid in equated
monthly
installments within
a period of _____
years inclusive of
moratorium
period?

172 Level 1
A Home Loan 10 N 7 years N 20 N
sanctioned for years years
repair and
renovation/
alteration in house
can be repaid in
equated monthly
installments within
a period of _____
years inclusive of
moratorium
period?

173 Level 1
 A borrower has 01.10.2 Y 01.04.2 N 01.10.2 N
taken a home loan 023 023 022
for construction of
a house on
01.04.2022 and first
disbursement was
made on the same
day. The repayment
of the installment
will start from
_______ if the
construction of the
house is not
completed till this
date?

174 Level 1
AGM RAM and 3 N 6 Y 9 N
CHCAC and above months months months
can relax the
moratorium period
by ______ months
from the period
that is otherwise
stipulated as per
bank's guidelines
for Home Loan?

175 Level 1
 Repayment of the 6 N 1 N 3 Y
Home Loan will months month months
start from _____
months from the
date of advance or
date of possession,
whichever is
earlier, in case of
purchase of ready
built house?

176 Level 1
In case of 1 Y FALSE N
moratorium period
given under Home
Loan Scheme for
purchase of under
construction flat by
approved builder,
interest shall be
collected on
monthly basis
during moratorium
period also. State
True or False?

177 Level 1
 A borrower has 31.03.2 N 31.03.2 N 31.03.2 N
taken a home loan 037 042 047
for purchase of flat
on 01.04.2022
when he was 45
years old. The
repayment of the
loan shall be done
upto _________?

178 Level 1
Whenever there is To pay N To N To N
a upward revision increas continu prolong
in interest rate, ed e to pay the
which of the amount the repaym
following actions of EMI existing ent
can be exercised by amount period
the borrower in of EMI
case of home loan? with
conditi
on that
the
balance
outstan
ding in
the
account
would
be paid
in one
go with
last EMI
of the
originall
y
applica
ble
repaym
ent
179 Level 1 tenor
 What are the 0.25% N 0.20% N 0.15% N
upfront fees and of loan of loan of loan
documentation amount amount amount
charges in case of
Home Loan above
Rs 75.00 lacs?

180 Level 1
What are upfront 2000+ N 2500+ Y 1500+ N
fees and GST GST GST
documentation
charges in case of
take over of a
Home Loan?
181 Level 1
A borrower has 1750/- N 2000/-+ N 2500/-+ Y
taken a Home Loan + GST GST GST
of Rs 500000/-.
What are the
upfront fees and
documentation
charges that are
applicable under
the scheme?

182 Level 1
A borrower covered 5250 + N 2625 + N 2500 + N
under PNB Pride GST GST GST
has taken a Home
Loan of Rs
1500000/-. What
are the upfront
fees and
documentation
charges that will be
charged to the
borrower?

183 Level 1
 Security 2 years, N 1 year, N 3 years, N
Verification after 1 years 1 year 2 years
creation of security
to be carried out
once in _____ year
and at least _____
years in case of
NPA Accounts?

184 Level 1
In case of take over 1 Y FALSE N
of Home Loan, the
repayment period
will be arrived after
reducing the period
already already
availed with the
existing bank. State
True or False?

185 Level 1
 In case of Home Borrow N Bank Y Bank N
Loan takeover from er and
other Banks/ Fis, Borrow
NEC/ Legal Search er in
Report and ratio of
valuation charges 50:50
will be borne by
_______?

186 Level 1
Who among the Proprie N Salaried N Non N
following is not tor Individu salaried
eligible for Home al Individu
Loan? als

187 Level 1
Proposals for HOCAC N HOCAC N HOCAC N
financing to civil I II III
aviation sector falls
under the power of
______ and above?

188 Level 1
 Under PNB Gen- 2 N 1.5 N 1.25 Y
Next Housing
Finance Scheme, a
borrower can be
offered _____
times of the loan
amount calculated
as per the regular
home loan
eligibility method,
subject to
maintenance of
prescribed LTV
ratio?

189 Level 1
What is the 30 N 35 N 45 N
maximum age upto years years years
which loan can be
granted under PNB
Gen Next Housing
Finance Scheme for
Public?

190 Level 1
What should be the 5 years N 4 years N 2 years N
minimum
occupation
experience that a
employee should
have for becoming
eligible under PNB
Gen Next Housing
Finance Scheme?

191 Level 1
 A salaried 18000/- N 24000/- N 15000/- N
employee has a
gross monthly
income of Rs
40000/- and his
statutory
deductions are
10000/- per month.
In such a situation,
maximum
deductions that can
be allowed under
PNB Gen Next
Housing Finance
Scheme are
_______?

192 Level 1
Loan can be Purchas N For N For N
granted under PNB e of constru purchas
Next Gen Housing ready ction of e of
Finance scheme for to flat plot
which of the below move in
mentioned flat
purposes?

193 Level 1
What is the 20 lacs, Y 10 lacs, N 25 lacs, N
minimum and Need Need Need
maximum loan Based based based
amount that can be
sanctioned under
PNB Next Gen
Housing Finance
Scheme?

194 Level 1
 An existing 1 N FALSE Y
borrower can
transfer his home
loan to PNB Max
Saver scheme
provided there is
partial
disbursement in
the loan account.
State True or False?

195 Level 1
In case customer One N One N One Y
has already paid time time time
the upfront fees charges charges charges
and documentation of 2000 of Rs of Rs
charges at the time + GST 1500+ 2500+
of availing Home GST GST
Loan, how much
charges will be
recovered from
him/ her at the
time of transfer of
account to PNB
Max Saver Scheme?

196 Level 1
Borrowers falling 1 Y FALSE N
under Commercial
Rea Estate will not
be eligible under
PNB Home Loan
Scheme. State True
or False?

197 Level 1
 What is the Rs N Rs 5.00 N Rs 7.50 N
minimum amount 15.00 lacs lacs
of loan that can be lacs
sanctioned under
PNB Max Saver
Scheme?

198 Level 1
What is the nature Term N Overdr N Overdr Y
of facility in which Loan aft aft with
account is opened reducin
under PNB Max g DP
Saver Scheme?

199 Level 1
Under which PNB N PNB N PNB N
variant of Home Max Gen Top Up
Loan, both Term Saver Next Scheme
Loan as well as Scheme
Overdraft Account
of the borrower are
opened in the
system?

200 Level 1
Loan under PNB 40 N 45 N 50 Y
Flexible Home Loan years years years
can be provided to
borrowers who are
below the age of
_______?

201 Level 1
 Existing Home Loan The N No N All N
Borrowers can avail existing inspecti terms
the loan under PNB Home on and
Flexible Housing Loan irregula conditi
Loan Scheme can account rity is ons are
be allowed the is pendin fulfilled
benefits of the running g
scheme provided regular
_______?

202 Level 1
Borrowers are 10%, 5 N 20%, 3 N 20%, 4 N
entitled for an years years years
increase of ______
% in the original
total limit after the
lapse of ______
years under PNB
Flexible Housing
Loan Scheme?

203 Level 1
 A borrower has 25.00 N 30.00 Y 35.00 N
been sanctioned a lacs lacs lacs
total limit of Rs
50.00 lacs under
PNB Flexible Home
Loan Scheme. The
limit was enhanced
by 20% after the
lapse of 5 years. In
such a case,
maximum overdraft
limit that can be
allowed to a
customer will be Rs
_____ lacs?

204 Level 1
The Overdraft limit 3 years Y 4 years N 2 years N
can be enhanced
on regular basis to
the extent of
reduction in Term
Loan at yearly
intervals under PNB
Flexible Home Loan
Scheme. However,
the first such
enhancement will
be carried out after
_____ years and
after that on year
to year basis?

205 Level 1
 Under Overdraft/ Purchas N Flat/ N Both of Y
Term Loan scheme e of houses the
for Home Loan Flat, which above
Borrowers for constru are
Personal Needs, ction under
Loan cannot be on constru
sanctioned under which is ction
which of the yet to
following be
conditions? comple
ted

206 Level 1
What is the Rs 5.00 N Rs N Rs N
minimum amount lacs 10.00 15.00
that can be lacs lacs
sanctioned under
Overdraft/ Term
Loan Scheme for
Home Loan
borrowers for
personal use?

207 Level 1
What are the Rs 200 N Rs 300 N Rs 400 N
documentation
charges under
Overdraft/ Term
Loan Scheme for
Home Loan
borrower for
personal use
scheme?

208 Level 1
 Under Overdraft/ 24 N 36 Y 48 N
Term Loan Scheme months months months
for Home Loan
borrower for
personal use
scheme, overdraft
facility should be
reviewed in once in
______ months?

209 Level 1
Proposals for Home MCC N LCB ,N IBB N
Loans to NRIs, Delhi Bharak Delhi
forwarded by our hamba
office branches Road
shall be processed Delhi
and sanctioned
centrally by BO:
_________,
however, proposals
beyond the powers
of the branch shall
be forwarded to
CHCAC and above
for consideration?

210 Level 1
 What should be 1.0 kw, Y 2.0 kw, N 1.0 kw, N
minimum and 5.0 kw 6.0 kw 6.0 kw
maximum capacity
of rooftop solar
system while
granting loan under
"Financing of Solar
Power Systems
under Home Loan
Scheme"?

211 Level 1
What is the Rs 3.00 N Rs 4.00 N Rs 5.00 Y
maximum loan lacs lacs lacs
amount that can be
sanctioned for
rooftop solar
system under
"Financing of Solar
Power Systems
under Home Loan
Scheme"?

212 Level 1
If a rooftop solar 1 year N 2 years N 3 years N
system is on stand
alone basis
financed by the
bank, then the
maximum
repayment period
can be ______
years?

213 Level 1
 What are the Rs 1000 N Rs 1350 Y Rs 1500 N
documentation + GST + GST + GST
charges under
Financing of Solar
Power Systems
under Home Loan
Scheme"?

214 Level 1
Powers for 1 Y FALSE N
sanctioning of clean
OD in saving
accounts stands
withdrawn and no
clean OD should be
permitted in
savings accounts
except for schemes
with inbuilt OD
facility/ scheme
specific reasons.
State True or False?

215 Level 1
What is the 10% N 7.50% N 12.50% N
minimum margin
requirement in case
of loan against
borrower's own
term deposit with
remaining maturity
period at the time
of granting advance
is 2 years?

216 Level 1
 What is the 7.50% Y 5% N 2.50% N
minimum margin
requirement in case
of loan against
borrower's own
term deposit with
remaining maturity
period at the time
of granting advance
is above 2 years
and upto 3 years?

217 Level 1
What is the 20% N 25% Y 30% N
minimum margin
requirement in case
of advances against
third party
deposits?
218 Level 1
If the maturity 10% N 15% N 20% Y
period of FCNR (B)
is above 1 year and
upto 2 years at the
time of granting
loan, what is the
minimum margin
requirement in case
where advance is
granted against
own deposits?

219 Level 1
 If the maturity 10% N 15% N 20% N
period of FCNR (B)
is above 2 years at
the time of granting
loan, what is the
minimum margin
requirement in case
where advance is
granted against
own deposits?

220 Level 1
What is the 5% N 10% N 15% N
Minimum Margin
requirement in case
of advance against
NRO Term
Deposits?
221 Level 1
What is the 15% N 10% N 25% N
minimum margin
requirement in case
of advance against
NSC where NSC VIII
was issued before
31st March 2020
and has run for less
than 3 years at the
time of advance?

222 Level 1
 What is the 15% N 10% N 25% Y
minimum margin
requirement in case
of advance against
NSC where NSC VIII
was issued after
31st March 2020
and has run for less
than 3 years at the
time of advance?

223 Level 1
What is the 25% N 20% Y 15% N
minimum margin
requirement in case
of advance against
NSC where NSC VIII
was issued after
31st March 2020
and has run for
more than 3 years
and upto 5 years
from date of NSC at
the time of
advance?

224 Level 1
 What is the 30% Y 25% N 20% N
minimum margin
requirement in case
of advance against
KVP where the
same was issued
before 31st March
2020 and has run
for above 2 years
and upto 5 years
from the date of
KVP issue of at the
time of advance?

225 Level 1
 In case of Home The N Default N Current N
Loan, if the CIBIL aggrega / CIBIL
score of the te irregula CV
borrower is less amount rity score of
than 680, of should the
sanctioning default be at borrow
authority can still except least 1 er shall
consider the loan credit year not be
subject to card prior to below
fulfilment of which default the 600
of the below in date of
mentioned regard current
conditions? to all applicat
the ion for
credit Home
facilitie Loan
s
provide
d by
the
other
banks/
NBFCs
should
be less
than
₹25,000
/-.
226 Level 1
In case of Gold 12 Y 24 N 6 N
Loan, if a borrower months months months
opts for bullet
repayment, then
he/ she has to
repay the loan
through a bullet
payment at the end
of the term which is
maximum upto
______ months?

227 Level 1
 If a borrower opts 24 N 36 Y 48 N
for EMI based months months months
Demand Loan in
Gold Loan, then the
loan has to be
repaid in _____
months?

228 Level 1
What should be the 60% N 80% N 70% Y
loan to value ratio
in cases where
borrower opts for
Bullet Repayment
under Gold Loan
scheme?

229 Level 1
What should be the 60% N 80% N 70% N
loan to value ratio
in cases where
borrower opts for
Overdraft under
Gold Loan scheme?

230 Level 1
Processing fees 0.20%, N 0.20%, N 0.30%, N
under Scheme for 500 1000 1000
advance against
Gold Jewellery/
Gold Ornaments is
_____% of the loan
amount plus GST or
Rs ____ plus GST,
whichever is
higher?

231 Level 1
 Under Scheme for Rs 15 Y Rs 10 N Rs 30 N
advance against
Gold Jewellery/
Ornaments, the
appraiser will be
paid Rs _____ per
pouch at the time
of revaluation of
jewellery?

232 Level 1
What are safe Rs 50 N Rs 100 Y Rs 150 N
keeping charges to per per per
be charged under month month month
the Scheme for
advance against
Gold Jewellery/
Ornaments?

233 Level 1
Which of the Touch N Nitric N Specific N
following methods Stone Acid Gravity
can be used by Method Test Test
valuer/ Shroff for
determining the
purity of gold on
basis of nature of
ornament and
satisfaction of the
branch officials
under Scheme for
advance against
Gold Jewellery/
Ornaments?

234 Level 1
 Valuation of Rs 2.00 N Rs N Rs 5.00 Y
security is to be got lacs 10.00 lacs
done from 2 lacs
different valuers in
case where
advance against
gold jewellery is
sanctioned for a
limit above Rs
______ lacs?

235 Level 1
Processing of 1 Y FALSE N
demand loan/
overdraft under
scheme for advance
against Gold
Jewellery/
Ornaments is to be
done through PNB
LenS. State True or
False?

236 Level 1
 There should not 1 N 2 N 3 N
be more than
_____ loan
accounts of a single
borrower provided
that total of all
loans sanctioned to
an individual at any
point of time shall
not exceed Rs 25.00
lacs under Scheme
for advance against
Gold Jewellery/
Ornaments?

237 Level 1
Which of the Name N Accoun N Loan N
following details of t Amoun
are required to Custom Numbe t
mentioned on the er r
photograph of Gold
Jewellery taken by
the branch while
sanctioning
advance against
Gold Jewellery?

238 Level 1
Gold loan cannot Bullion N Primary N Gold N
be sanctioned / Coin
against _______? smuggl
ed gold

239 Level 1
 What is the Rs N Rs N Rs Y
maximum loan 15.00 20.00 25.00
amount that can be lacs lacs lacs
sanctioned under
Scheme for
advance against
Gold Jewellery/
Ornaments?

240 Level 1
A borrower is Reject N Sanctio Y Move N
already enjoying a the n the the
facility with a Loan loan propos
branch for Rs 50.00 with al to
lacs. Now, he has vested PLP for
approached the power sanctio
branch for advance n
against Gold
Jewellery. On
valuation, it was
found that value of
the jewellery is RS
8.00 lacs. What
action can be taken
by the branch in
such situation?

241 Level 1
 Minimum score 45 Y 50 N 55 N
required for a
approval of a Shroff
on locations where
government
approved Shroff are
either not available
or available in less
number, should be
______ based on
BM opinion report?

242 Level 1
Gold retention limit Circle N CHCAC N ZOCAC N
of each authorized Head
branch will be
decided by _______
keeping in view the
business potential
and other
infrastructure
available in the
branch?

243 Level 1
Who among the Trust N HUF N Charita N
following cannot be ble
provided loan Instituti
under scheme for ons
advance against
Sovereign Gold
Bonds?

244 Level 1
 What is the 5.00 N 25.00 N Need Y
maximum loan lacs lacs based
amount that can be
sanctioned under
advance against
sovereign gold
bonds?

245 Level 1
What is the margin 40% N 25% Y 20% N
requirement for
advance against
sovereign gold
bond to
individuals?

246 Level 1
What is the margin 40% Y 25% N 20% N
requirement for
advance against
sovereign gold
bond to other than
individuals?

247 Level 1
What are the 25.00 N 50.00 N 1500.00 N
loaning powers of lacs lacs lacs
CHCAC for
sanctioning
advance against
sovereign gold
bonds?

248 Level 1
Who among the CHCAC N ZOCAC N PLPCAC N
following shall have
full powers for
sanctioning loan
against sovereign
gold bond?

249 Level 1
 Customer can open 1 Y FALSE N
a e-OD account
against the offline
Fixed Deposit
opened by him/ her
in single name in
the branch. State
True or False?

250 Level 1
What is the Rs N Need N Rs 5.00 Y
maximum amount 10.00 based lacs
of e-OD that can be lacs
opened by a
customer against
offline Fixed
Deposit?

251 Level 1
What should be the 20% N 10% Y 5% N
margin in case
where e-OD is
opened against a
Fixed Deposit and
remaining maturity
period at the time
of granting advance
is upto 3 years?

252 Level 1
 What should be the 20% Y 10% N 5% N
margin in case
where e-OD is
opened against a
Fixed Deposit and
remaining maturity
period at the time
of granting advance
is more 3 years?

253 Level 1
What is the 0.10% N 0.20% N 0.50% N
concession
provided by bank to
general public on e-
OD?
254 Level 1
A customer can 1 year N 2 years N 5 years N
avail facility of e-OD
against an e-FD,
then e-FD should
have residual
period upto _____
years?

255 Level 1
e-OD facility cannot FD N FD N Sugam N
be provided against under under FD
which of the Tax Capital
following Fixed Saver Gain
Deposits? Scheme Scheme

256 Level 1
 What is the 50000/- N 75000/- N 25000/- Y
minimum amount
of e-OD that can be
granted against a
Fixed Deposit
opened through
digital modes?

257 Level 1
If a staff is taking e- 0.75% N At Y 0.10% N
OD facility, then above same above
rate of interest that the rate as the
will be charged to applica allowed applica
him for advance ble ROI on ble ROI
upto Rs 10.00 lacs on deposit on
will be _____? deposit deposit

258 Level 1
What is the scheme PNB Y PNB N PNB N
name under which Parvasi Pratibh Kaushal
education loan is Siksha a
granted to overseas Loan
citizen of India who
are studying in
India after
repatriation of their
parents?

259 Level 1
What is the loan Rs N Rs N Rs N
amount that can be 20.00 30.00 40.00
sanctioned under lacs lacs lacs
PNB Parvasi Siksha
Loan Scheme?

260 Level 1
 Which of the Part N Researc N Certific N
following courses Time h ate
are not included in Courses Courses Courses
PNB Parvasi Siksha
Scheme?
261 Level 1
Security taken in 100% N 75% N 125% Y
form of immovable
property or liquid
security should
have value atleast
_____% of the loan
amount under PNB
Parvasi Siksha
Scheme?

262 Level 1
What will be the Course N Course Y Course N
moratorium period Period Period period
under PNB Parvasi + 6 + 3
Siksha Scheme? months months

263 Level 1
Life Insurance cover 1 N FALSE Y
excluding Interest
accrued during the
repayment holiday
is mandatory under
PNB Parvasi Siksha
Scheme. State True
or False?

264 Level 1
 What is the 10000/- Y 20000/- N 15000/- N
minimum upfront
fees that is
required to charged
under PNB Parvasi
Siksha Scheme?

265 Level 1
Who among the PLP N PLP N ZOCAC N
following will the Head Segmen
authority of t Head
rejection in case
where sanctioning
authority is GBB
under PNB Parvasi
Siksha Scheme?

266 Level 1
Who among the Circle N Zonal N HOCAC N
following will the Head Manag I
authority of er
rejection in case
where sanctioning
authority is
Segment Head of
PLP under PNB
Parvasi Siksha
Scheme?

267 Level 1
 Who among the PLPCAC N ZOCAC N CHCAC Y
following will the
authority of
rejection in case
where sanctioning
authority is PLP
Head under PNB
Parvasi Siksha
Scheme?

268 Level 1
Who among the HOCAC N ZOCAC Y HOCAC N
following will the I II
authority of
rejection in case
where sanctioning
authority is CHCAC
under PNB Parvasi
Siksha Scheme?

269 Level 1
Re-imbursement of 1 Y FALSE N
fees is not
permitted under
PNB Parvasi Siksha
Scheme. State True
or False?

270 Level 1
PNB Honhaar Mahara N Rajasth N Madhy N
provide financial shtra an a
support to the Pradesh
meritorious
students for
pursuing higher
studies in ______?

271 Level 1
 Who among the Student N Childre N Childre N
following are s who n of n of
eligible under PNB have employ officials
Honhaar Scheme? done ees of posted
their Govern in
Class X ment of Govern
from NCT of ment of
Delhi Delhi NCT Of
Delhi

272 Level 1
A student seeking A N B N either A Y
loan under PNB or B
Honhaar Scheme
for admission in
private institution
having NAAC
accreditation,
should have a
minimum grade of
____?

273 Level 1
A student seeking A N A+ N B N
loan under PNB
Honhaar Scheme
for admission in
private institution
having SFRC
grading, should
have a minimum
grade of ____?

274 Level 1
 What is the Rs Y Rs N Rs N
maximum loan 10.00 15.00 20.00
amount that can be lacs lacs lacs
sanctioned under
PNB Honhaar
scheme?

275 Level 1
Guarantee cover Rs 5.00 N Rs 7.50 Y Rs N
fees under CGFSSL lacs lacs 10.00
of NCGTC shall not lacs
be recovered from
the students who
have availed loan
upto Rs _____ lacs
under PNB Honhaar
Scheme?

276 Level 1
Which of the Liquid N Immov N Parent( Y
following securities Security able s) to be
can be obtained for Propert made
a loan granted y joint
under PNB Honhaar borrow
Scheme? er

277 Level 1
What is maximum 15 N 10 N 10 N
repayment period years years years
under PNB Honhaar includin includin excludi
scheme? g g ng
Morato morato morato
rium rium rium
period period period

278 Level 1
 If a student is not 3 N 3 N 6 N
able to complete months months months
the course within , 3 , 6 , 2
scheduled time for times times times
reasons beyond his
control, sanctioning
authority can give
extension of ___
months for
maximum___ times
in PNB Honhaar?

279 Level 1
What should be the 18 N 16 N 17 N
minimum age for years years years
availing loan under
PNB Honhaar
scheme?

280 Level 1
Education Loan 3 days N 5 days N 4 days Y
applications should
be disposed off
with in _____ days
where mortgage of
property is not
required?

281 Level 1
What should be 20000/- N 25000/- Y 30000/- N
minimum net
monthly salary for
salaried class to
avail loan under
PNB my Property
Loan Scheme?

282 Level 1
 What should be the 300000 Y 450000 N 200000 N
minimum net /- /- /-
annual income for
last 3 years for
individual to avail
loan under PNB
myProperty Loan
Scheme?

283 Level 1
Restoration of OD 1 year N 2 years N 4 years N
limit is permitted
after ______ years
subject to
satisfactory
conduct of the
account under PNB
myProperty Loan
Scheme?

284 Level 1
What is the Rs N Rs N Rs N
maximum loan 100.00 200.00 300.00
amount that can be lacs lacs lacs
sanctioned under
PNB myProperty
Loan Scheme?

285 Level 1
What is the 65% of N 36 N Lower Y
maximum Loan realizab times of a or
amount that can be le value of gross b
sanctioned to a of IP monthl
salaried borrower y salary
under PNB
myProperty Loan
Scheme?

286 Level 1
 What is the 65% of N 36 N Higher N
maximum Loan realizab times of a or
amount that can be le value the b
sanctioned to other of IP average
than salaried class gross
under PNB monthl
myProperty Loan y
Scheme? income
of last
three
years as
reporte
d in the
last
three
ITRs

287 Level 1
What is the 70% N 60% Y 50% N
maximum
permissible
deduction allowed
under PNB
myProperty Loan
Scheme in case
where gross
monthly total salary
is upto Rs 1.00
lakhs?

288 Level 1
 What is the 70% Y 60% N 50% N
maximum
permissible
deduction allowed
under PNB
myProperty Loan
Scheme in case
where gross
monthly total salary
is above Rs 1.00
lakhs?

289 Level 1
Term Loan or 60 N 65 N 75 N
Overdraft under years years years
PNB myProperty
Loan Scheme
should be repaid by
the borrower upto
the maximum age
of ____ years?

290 Level 1
Concession of 0.50% N 0.75% N 0.15% N
_____% can be
granted in rate of
interest if realizable
value of IP is above
200% and upto
250% of the loan
amount under PNB
myProperty Loan
Scheme?

291 Level 1
 Concession of 0.25% N 0.75% N 0.50% Y
_____% can be
granted in rate of
interest if realizable
value of IP is above
250% and upto
300% of the loan
amount under PNB
myProperty Loan
Scheme?

292 Level 1
Concession of 0.25% N 0.75% Y 0.50% N
_____% can be
granted in rate of
interest if realizable
value of IP is above
300% of the loan
amount under PNB
myProperty Loan
Scheme?

293 Level 1
What should be the 25 Y 30 N 20 n
minimum residual years years years
life of residential
house/ flat/
commercial/
industrial property
for granting loan
under PNB
myProperty Loan
Scheme?

294 Level 1
 What are Rs 150 N Rs 200 N Rs 300 N
inspection charges + + +
for carrying out service service service
inspection of tax tax tax
property
mortgaged under
PNB myProperty
Loan scheme?

295 Level 1
Sanctioning 50% or N 50% N 60% N
authority upto their More
vested power can
consider to
sanction more than
one loan under the
scheme or any
other facility to the
borrower on the
property
mortgaged under
PNB myProperty
Loan scheme
provided LTV ratio
of the loan earlier
granted under PNB
myProperty Loan
Scheme is ____%?

296 Level 1
 A borrower has Send N Send N Reject Y
multiple properties the the the
in his name. He has propos propos propos
already availed 3 al to al to al as
loans under PNB PLP for Circle prescri
myProperty Loan sanctio Office bed
Scheme amounting n for limit of
to Rs 5.00 crores. sanctio Rs 5.00
Now, he wishes to n crores
avail another loan is
of Rs 1.00 crore and already
approached GBB reache
for the same. In d
such situation,
what action can be
under by the
branch?

297 Level 1
myProperty Loan CM- N AGM N CHCAC N
may be permitted PLP PLP
to existing
borrowers in
exceptional cases
against the surplus
held in the value of
property already
mortgaged to the
Bank as security in
any existing loan
(other than
myProperty Loan)
by ______?

298 Level 1
 PNB Baghban Equitab N Reverse Y Registe N
Scheme for le Mortga red
providing loan to Mortga ge Mortga
senior citizens in ge ge
India against the
House owned by
them is based of
which of the
following concepts?

299 Level 1
What is the No Y 15000/- N 20000/- N
minimum net income
monthly income require
criteria under PNB d
Baghban Scheme?

300 Level 1
The maximum Rs 50 N Rs 75 N Rs 150 N
qualifying amount lacs lacs lacs
under PNB Baghban
scheme is Rs _____
lacs?

301 Level 1
The residential 65 N 70 N 55 N
house/flat owner, years years years
who is resident of
India, of the age of
____ years &
above, is eligible to
raise the loan
under PNB Baghban
scheme?

302 Level 1
 Payment received 1 N FALSE Y
by the senior
citizen under
Reverse Mortgage
Scheme shall be
treated as income.
State True or False?

303 Level 1
Residual life of the 15 N 25 N 20 Y
residential property years years years
should be atleast
____ years for
availing loan under
PNB Baghban
Scheme?

304 Level 1
What are the Nil Y 2000/- N 1000/- N
documentation
charges under PNB
Baghban Scheme?

305 Level 1
Earnest Money State N Urban N Local N
Deposit Scheme Housin Develo Improv
has been g Board pment ement
developed by the Authori Trusts
bank to meet ty
Earnest Money
Deposit
requirement of
borrowers applying
for flat floated by
_______?

306 Level 1
 What is maximum Rs N Rs N Rs 5.00 N
loan amount that 10.00 20.00 lacs
can be sanctioned lacs lacs
under Earnest
Money Deposit
Scheme?

307 Level 1
What is the nature Term N Overdr N Deman Y
of loan under Loan aft d Loan
Earnest Money
Deposit Scheme?

308 Level 1
Who among the CHCAC N CGM N Zonal Y
following is vested level Manag
with power to Busines er
authorize the s
branches for Gold Review
Loan against Commit
jewellery/ tee
ornaments?

309 Level 1
Which of the Accoun N Accoun N Salary N
following can be t having t having account
considered as highest highest of the
operative account turnove balance custom
to improve the r in last during er
collection efficiency six last six
in the borrowal months month
accounts?

310 Level 1
 Which is the menu LADIBS N LOANIB N LOANIS N
option to enter S B
confirmation
regarding Check Off
facility details in
CBS system?

311 Level 1
A GBB has a Sanctio N Reject N Move N
recovery rate of n the the the
88%. A customer loan Loan propos
has approached the al to
branch for a Circle
personal loan of Rs Office
5.00 lacs under PNB for
Sahyog. What sanctio
action can be taken n
by the branch
under such
situation?

312 Level 1
Any company PLP N Zonal N Circle Y
should be termed Head Manag Head
as reputed only er
after obtaining
approval from
_____ for granting
loan under PNB
Sahyog Scheme?

313 Level 1
What is the 10.00 N 20.00 Y 15.00 N
maximum loan lacs lacs lacs
amount that can be
sanctioned under
PNB Sahyog
Scheme?
314 Level 1
 What is the upfront 1% of Y 2% of N 2.50% N
fees under PNB the the of the
Sahyog Scheme for loan loan loan
public? amount amount amount
+ taxes + taxes + taxes

315 Level 1
What are the 2% of N 2.50% N 0.50% N
upfront fees and the of the of the
documentation loan loan loan
charges for defense amount amount amount
personals under + taxes + taxes + taxes
PNB Sahyog
Scheme?

316 Level 1
While accepting 3 N 4 N 1 N
third party account account account
guarantee under s s
PNB Sahyog
Scheme, it should
be ensured that
such employee
cannot stand as
guarantor in more
than ____
accounts?

317 Level 1
 Sanctioning 60000/- N 70000/- N 75000/- Y
authority can waive
the guarantee for
confirmed/
permanent
employees of
central/ state
government/ PSUs
on merit of case if
salary more than
_____ is credited
per month for last
three months?

318 Level 1
To avail loan under Rs N Rs 5.00 Y Rs N
PNB Doctor's 10.00 lacs 15.00
Delight Scheme, lacs lacs
net annual income/
salary of a
professionally
qualified doctor
should be _____
lacs and above?

319 Level 1
 Repayment of the 65 Y 70 N 55 N
loan under PNB years, years, years,
Doctor's Delight 70 75 65
Scheme along with years years years
interest shall not
extend beyond the
age of _____ years
of the borrower
and same can be
extended upto
_____ years by
AGM PLP and
CHCAC and above?

320 Level 1
What is the upfront 0.80% N 0.70% N 0.50% N
fees under PNB of the of the of the
Doctor's Delight loan loan loan
Scheme? amount amount amount
+ taxes +taxes + taxes

321 Level 1
Sanction under 1% N 3% N 4% N
Personal Loan
scheme for self
employed is
permitted at the
branches having
NPA level of not
more than ____%
under personal
loan segment as at
the end of previous
financial year?

322 Level 1
 What should be the Rs 5.00 N Rs 6.00 N Rs 6.00 Y
gross annual lacs and lacs and lacs and
income and CIC 750 and 700 and 750 and
score of the above above above
customer to avail
loan under Personal
Loan Scheme for
Self Employed?

323 Level 1
What is the Rs N Rs 5.00 Y Rs N
maximum loan 10.00 lacs 20.00
amount that can be lacs lacs
sanctioned under
Personal Loan
Scheme for Self
Employed?

324 Level 1
What should be the 650 Y 680 N 700 N
minimum CIC score
of a person to
become guarantor
of a borrower who
has applied for
personal loan
under Personal
Loan Scheme for
self employed?

325 Level 1
Scheme for CA/ CS N Data N Archite N
personal loan to Analyst ct/
self employed is Valuers
applicable to
_______?
326 Level 1
 All Education loan Rs 5.00 N Rs 6.00 N Rs 7.00 N
accounts lacs lacs lacs
sanctioned upto Rs
____ lacs without
obtaining collateral
security and or
third party
guarantee shall be
covered under
CGFSEL?

327 Level 1
CGFSEL guidelines 16.08.2 N 16.07.2 N 16.09.2 Y
are applicable on all 015 015 015
education loans
sanctioned on and
after _________?

328 Level 1
What is maximum 150000 Y 100000 N 50000/- N
loan limit without /- /-
any collateral
security or/ and
third party
guarantee that is
covered under
CGFSSD?

329 Level 1
 Which of the Single N Single N Linkage N
following are the window loan s of
features of "Vidya for applicat portal
Lakshmi Electronic student ion to
Platform"? s to get portal banks’
the for systems
informa student
tion of s for all
various banks
govern connect
ment ed to
scholar the
ships portal
and
educati
on
loans
scheme
s of
banks

330 Level 1
What are the Vidya Rs 150 N Rs 200+ N Rs 300 N
Lakshmi Platform +GST GST + GST
enrolment charges?

331 Level 1
CHCAC can allow a 0.50% N 0.75% N 0.15% N
concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to self?

332 Level 1
 CHCAC can allow a 0.50% N 0.75% N 0.15% N
concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to third party
subject to minimum
RLLR?

333 Level 1
ZOCAC can allow a 0.75% N 0.15% N 0.50% Y
concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to self?

334 Level 1
ZOCAC can allow a 0.75% N 1.00% Y 0.15% N
concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to third party
subject to minimum
RLLR?

335 Level 1
HOCAC I can allow 0.75% N 0.15% N 0.50% Y
a concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to self?

336 Level 1
 HOCAC I can allow 0.75% N 1.00% Y 0.15% N
a concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to third party
subject to minimum
RLLR?

337 Level 1
HOCAC II can allow 0.75% Y 1.50% N 0.15% N
a concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to self?

338 Level 1
HOCAC II can allow 2.00% N 0.15% N 0.25% N
a concession of
______ below the
applicable rate on
loans against bank's
own term deposit
to third party
subject to minimum
RLLR?

339 Level 1
 HOCAC III has full MCLR N MCLR N RLLR + N
powers to allow +0.5% 0.5%
concession in Rate
of Interest on car
loan and housing
loan but it cannot
allow concession
below _______?

340 Level 1
HOCAC II can allow 0.50% N 0.25% N 0.75% Y
_____% concession
in Rate of Interest
on car loan and
housing loan but it
cannot be below
RLLR?

341 Level 1
For retail loans 50 N 100 Y 75 N
other than car loan
and housing loan,
HOCAC II can allow
concession upto
RLLR + _____ bps?

342 Level 1
Option4 Ans4 Option5 Ans5 Correct Incorre PROGR Check Y Check N
(Y/N) (Y/N) Feedba ct AMME Session
ck Feedba
ck

4N 5N 3 3

Retail Retail 1 4

0 0

Retail Retail 1 1

All of
(A) and Y the N (A) and (A) and
(B) above (B) (B)

Retail Retail 1 4
96 100 100 100
months N months Y months months

Retail Retail 1 4

Flat Rs
0.75% 1.00% 1000/-
of the of the Flat Rs exclusiv
loan N loan N 1000/-
amount amount e of
taxes
Retail Retail 1 4

85, 15 N 85, 10 N 90, 10 90, 10

Retail Retail 1 4

(B) and All of (B) and (B) and

Y the N
(C) above (C) (C)

Retail Retail 1 4
0.10%
of the
loan N Nil Y Nil Nil
amount

Retail Retail 1 4

75000 N 10000 N 50000 50000

Retail Retail 1 4

5N Nil N 10 10

Retail Retail 1 4

1 1

Retail Retail 1 1
 No
2.50% penal 2% per 2% per
per
annum charges annum annum
of N are N of of
overdu applied overdu overdu
under e e
e the amount amount
amount scheme

Retail Retail 1 4

4N 6N 3 3

Retail Retail 1 4

TLEVL Y DLEVL N TLEVL TLEVL

Retail Retail 1 4

20000/- N 25000/- Y 25000/- 25000/-

Retail Retail 1 4
 110 Y 115 N 110 110

Retail Retail 1 4

5%, 10%,
10% N 5% N 10%, 0 10%, 0

Retail Retail 1 4

1 1

Retail Retail 1 1
 0 0

Retail Retail 1 1

5N 4N 2 2

Retail Retail 1 4

None of
TLPPL N the N TLPVL TLPVL
above
Retail Retail 1 4

4 8 3 3
months N months N months months

Retail Retail 1 4

25000 Y 15000 N 25000 25000

Retail Retail 1 4
 0 0

Retail Retail 1 1

CHCAC None of CHCAC CHCAC

and Y the N and and
above above above above

Retail Retail 1 4

5N 15 Y 15 15

Retail Retail 1 4
 10 N 35 N 25 25

Retail Retail 1 4

10
7 years N years N 5 years 5 years

Retail Retail 1 4

No
permiss
50, 55 N ion can N 60, 70 60, 70
be
given

Retail Retail 1 4

None of
2 CICs Y the N 2 CICs 2 CICs
above

Retail Retail 1 4
 0 0

Retail Retail 1 1

685 N 695 N 650 650

Retail Retail 1 4

Any
one of
No pre the No pre No pre
paymen above paymen paymen
depend
t Y ing N t t
charges upon charges charges
to be to be to be
levied sanctio levied levied
ning
authori
ty
Retail Retail 1 4

45000 N 80000 N 50000 50000

Retail Retail 1 4
 1 1

Retail Retail 1 1

Above Above Above Above

45 and N 40 and Y 40 and 40 and
upto 55 upto 50 upto 50 upto 50

Retail Retail 1 4

No No No
inspecti inspecti inspecti
150 + on on on
GST N charges Y charges charges
to be to be to be
taken taken taken

Retail Retail 1 4

0.30% 0.35% 0.25% 0.25%

of loan N of loan N of loan of loan
amount amount amount amount
Retail Retail 1 4
 1 1

Retail Retail 1 1

1 1

Retail Retail 1 1

0 0

Retail Retail 1 1

All of None of All of All of

the Y the N the the
above above above above

Retail Retail 1 4

30000 N 50000 N 25000 25000

Retail Retail 1 4
15, 18, 18, 18,
10.00 N 10.00 Y 10.00 10.00
lacs lacs lacs lacs

Retail Retail 1 4

20, 20,
20, 7.50 18, 7.50
lacs N lacs N 10.00 10.00
lacs lacs

Retail Retail 1 4
18, 7.50 None of 20, 7.50 20, 7.50
N the N
lacs above lacs lacs

Retail Retail 1 4

10, 5.00 10, 7.50 12, 5.00 12, 5.00

lacs N lacs N lacs lacs

Retail Retail 1 4

Nil Y 15.00% N Nil Nil

Retail Retail 1 4
 None of
60, 78 Y the N 60, 78 60, 78
years above years years

Retail Retail 1 4

60% N 40% Y 40% 40%

Retail Retail 1 4

25% N 45% N 50% 50%

Retail Retail 1 4
 HOCAC GBB GBB
ZOCAC N I N Head Head

Retail Retail 1 3

500 + 500 +
500 N 1000 N taxes taxes
Retail Retail 1 4

All of
B OR C Y the N B OR C B OR C
above

Retail Retail 1 4

All of All of All of

A+ B N the Y the the
above above above

Retail Retail 1 4
 1 1

Retail Retail 1 1

Same Same
day of day of
None of credit credit
T+ 3 N the N of of
above Pension Pension
in in
account account

Retail Retail 1 4

IV Y V N IV IV

Retail Retail 1 4
18, None of
10.00 the 18, 7.50 18, 7.50
N N lacs lacs
lacs above

Retail Retail 1 4

Moped All of All of All of

s N the Y the the
above above above

Retail Retail 1 4

6Y 12 N 6 6

Retail Retail 1 4

75 N 55 N 70 70

Retail Retail 1 4
 3N 18 N 12 12

Retail Retail 1 4

TLPPL N DLPTL N TLPTL TLPTL

Retail Retail 1 4

10000 Y 15000 N 10000 10000

Retail Retail 1 4
 150 N 110 Y 110 110

Retail Retail 1 4

1.25: 1 N 1.30: 1 N 1.50: 1 1.50: 1

Retail Retail 1 4

2.50 8.00 10.00 10.00

lacs N lacs N lacs lacs

Retail Retail 1 4
1.50 1.00 1.50 1.50
Y N
lacs lacs lacs lacs

Retail Retail 1 4

30% of 10% of 10% of 10% of

on road N on road Y on road on road
price price price price

Retail Retail 1 4

48 N 72 N 60 60

Retail Retail 1 4
 1 1

Retail Retail 1 1

All of None of All of All of

the Y the N the the
above above above above

Retail Retail 1 4

7500 N 6000 N 8000 8000

Retail Retail 1 4
80000 N 100000 N 60000 60000

Retail Retail 1 4

0.35 N 0.50 Y 0.50 0.50

Retail Retail 1 4

None of
PNB N the N PNB PNB
450 551 551
above

Retail Retail 1 4

above above above above

60 N 45 N 50 50

Retail Retail 1 4
 60 N 50 Y 50 50

Retail Retail 1 4
Custom N None of N Retail Retail
er the Asset Asset
Acquisit above Division Division
ion
Division

Retail Retail 1 4
Educati N Vehicle N Mudra Mudra
on Loan Loan Loan Loan

Retail Retail 1 4
Upto 40 N None of N Above Above
the 75 75
above

Retail Retail 1 4
CHCAC Y None of N CHCAC CHCAC
and the and and
above above above above

Retail Retail 1 4
PNB N None of N PNB PNB
Premier the Pratibh Pratibh
above a a

Retail Retail 1 4
Other N All of Y All of All of
reputed the the the
Institut above above above
es

Retail Retail 1 4
Need Y 60.00 N Need Need
based lacs based based

Retail Retail 1 4
 1 1

Retail Retail 1 1
50.00 N Need N Nil Nil
lacs based

Retail Retail 1 4
125.00 N Need N 100.00 100.00
lacs based lacs lacs

Retail Retail 1 4
80.00 Y 120.00 N 80.00 80.00
lacs lacs lacs lacs

Retail Retail 1 4
100 N No such N 30 30
limit is
prescri
bed

Retail Retail 1 4
45 N 60 Y 60 60

Retail Retail 1 4
20.00 N 25.00 N 7.50 7.50
lacs lacs lacs lacs

Retail Retail 1 4
INSTLO N None of N EDULO EDULO
AN the ANM ANM
above

Retail Retail 1 4
Insuran N All of Y All of All of
ce the the the
premiu above above above
m of
student
borrow
er, if
applica
ble

Retail Retail 1 4
0.50 lac N 1.50 lac N 1.00 lac 1.00 lac

Retail Retail 1 4
1.00 lac Y 3.50 lac N 1.00 lac 1.00 lac

Retail Retail 1 4
4.00 lac N 5.00 lac N 2.00 lac 2.00 lac

Retail Retail 1 4
5 N 30 N 10 10

Retail Retail 1 4
Need N 100 lacs Y 100 lacs 100 lacs
based

Retail Retail 1 4
0 0

Retail Retail 1 1
A and B N All of Y All of All of
the the the
above above above

Retail Retail 1 4
1 1

Retail Retail 1 1
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
12.11.2 N 11.11.2 N 12.11.2 12.11.2
020 020 021 021

Retail Retail 1 4
1 1

Retail Retail 1 1
Deputy N None of N Appella Appella
Ombud the te te
sman above Authori Authori
ty ty

Retail Retail 1 4
Section N Section Y Section Section
4 3 3 3

Retail Retail 1 4
48 N 60 N 36 36

Retail Retail 1 4
0 0

Retail Retail 1 1
Any Y None of N Any Any
one of the one of one of
the above the the
above above above

Retail Retail 1 4
A N All of Y All of All of
dispute the the the
betwee above above above
n
regulat
ed
entities

Retail Retail 1 4
7 days N 45 days N 30 days 30 days

Retail Retail 1 4
6 N 1 year N 1 year 1 year
months and 60 and 30 and 30
days days days

Retail Retail 1 4
1 1

Retail Retail 1 1
All of th Y None of N All of th All of th

Retail Retail 1 4
30 days N 15 days Y 15 days 15 days

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
25.00 N 30.00 N 20.00 20.00
lakhs lakhs lakhs lakhs

Retail Retail 1 4
1.50 N 2.00 N 1.00 1.00
lakh lakh lakh lakh

Retail Retail 1 4
60 N 75 N 30 30

Retail Retail 1 4
Pass N All of Y All of All of
any the the the
other above above above
as
deeme
d fit

Retail Retail 1 4
The N None of Y None of None of
complai the the the
nt above above above
require
s
elabora
te
docum
entary
and
oral
evidenc
es

Retail Retail 1 4
4 N 5 N 3 3

Retail Retail 1 4
KCC Y All of N KCC KCC
the
above

Retail Retail 1 4
All of N None of N Cannot Cannot
the the sanctio sanctio
above above n the n the
loan loan

Retail Retail 1 4
Next Y MC N Next Next
higher higher higher
authori authori authori
ty ty ty

Retail Retail 1 4

No No Retail Retail 1 1
 Yes Yes Retail Retail 1 1

5 Years N 4 Years N 7 Years 7 Years Retail Retail 1 4

No No Retail Retail 1 1

3 Years Y 2 Years N 3 Years 3 Years Retail Retail 1 4

0 0 Retail Retail 1 1
7 Lakhs N 0.50 N 1 Lakh 1 Lakh
Lakhs

Retail Retail 1 4
250.00 N 100.00 Y 100.00 100.00
lacs lacs lacs lacs

Retail Retail 1 4
Rs N Rs N Rs 5.00 Rs 5.00
20.00 25.00 lacs lacs
lacs lacs

Retail Retail 1 4
Rs N Rs N Rs Rs
20.00 25.00 10.00 10.00
lacs lacs lacs lacs

Retail Retail 1 4
Rs Y Rs N Rs Rs
25.00 30.00 25.00 25.00
lacs lacs lacs lacs

Retail Retail 1 4
0.25% N Nil Y Nil Nil
of loan
amount

Retail Retail 1 4
700 N 690 N 680 680

Retail Retail 1 4
All Y Loan N All All
above cannot above above
conditi be conditi conditi
ons sanctio ons ons
should ned in should should
be cases be be
fulfilled where fulfilled fulfilled
CIBIL
CV
score is
less
than
680

Retail Retail 1 4
HDFC N All of Y All of All of
Bank the the the
above above above

Retail Retail 1 4
Reject Y None of N Reject Reject
the the the the
propos above propos propos
al al al

Retail Retail 1 4
30% N 5% N 20% 20%

Retail Retail 1 4
10% N 30% N 25% 25%

Retail Retail 1 4
PLP N No N CHCAC CHCAC
CAC adminis
trative
clearan
ce is
require
d

Retail Retail 1 4
Need Y 1000.00 N Need Need
based lacs based based

Retail Retail 1 4
125.00 N 150.00 N 100.00 100.00
lacs lacs lacs lacs

Retail Retail 1 4
250.00 N 600.00 N 300.00 300.00
lacs lacs lacs lacs

Retail Retail 1 4
55% N 60% Y 60% 60%

Retail Retail 1 4
Averag N Averag N Rs Rs
e of e of 25.00 25.00
conside original lacs lacs
ration purchas being being
value e value the the
and and conside conside
Value conside ration ration
as per ration value value
valuatio value
n
report

Retail Retail 1 4
Rs Y Rs N Rs Rs
20.00 25.00 20.00 20.00
lacs lacs lacs lacs
being being being being
the the the the
valuatio conside valuatio valuatio
n of ration n of n of
propert value propert propert
y as per y as per y as per
approv approv approv
ed ed ed
valuer valuer valuer

Retail Retail 1 4
0 0

Retail Retail 1 1
40% N 30% N 50% 50%

Retail Retail 1 3
40% N 80% N 70% 70%

Retail Retail 1 4
All of N None of Y None of None of
the the the the
above above above above

Retail Retail 1 4
85% Y 90% N 85% 85%

Retail Retail 1 4
90% N 65% N 80% 80%

Retail Retail 1 4
70% N None of N 80% 80%
the
above

Retail Retail 1 4
Averag N None of N 715 715
e of all the
three above
scores

Retail Retail 1 4
700 Y 725 N 700 700

Retail Retail 1 4
0.40% N 0.50% Y 0.50% 0.50%

Retail Retail 1 4
5 years N 1 year N 3 years 3 years

Retail Retail 1 4
3%, 2% N 3%, 1% N 2%, 1% 2%, 1%

Retail Retail 1 4
3rd Y None of N 3rd 3rd
the
above

Retail Retail 1 4
Executi Y No N Executi Executi
on of action on of on of
stampe is stampe stampe
d require d d
Triparti d till Triparti Triparti
te the te te
Agreem mortga Agreem Agreem
ent ge is ent ent
betwee created betwee betwee
n n n
Housin Housin Housin
g g g
Board, Board, Board,
Intendi Intendi Intendi
ng ng ng
Borrow Borrow Borrow
er and er and er and
Bank Bank Bank

Retail Retail 1 4
B and C Y All of N B and C B and C
the
above

Retail Retail 1 4
All of Y AGM N All of All of
the RAM the the
above will the above above
propos
al to
CHCAC
for
sanctio
n as
same
does
not lie
in his
power

Retail Retail 1 4
135% N 110% N 125% 125%

Retail Retail 1 4
60% N 20% N 50% 50%

Retail Retail 1 4
Averag N None of N Reconst Reconst
e of the ruction ruction
Market above Cost Cost
Value
and
Reconst
ruction
Cost

Retail Retail 1 4
30 Y 35 N 30 30
years years years years

Retail Retail 1 4
17.50 N 15 Y 15 15
years years years years

Retail Retail 1 4
01.09.2 N 01.05.2 N 01.10.2 01.10.2
023 023 023 023

Retail Retail 1 4
12 N 10 N 6 6
months months months months

Retail Retail 1 4
4 N 5 N 3 3
months months months months

Retail Retail 1 4
1 1

Retail Retail 1 1
31.03.2 N C and D Y C and D C and D
052, if
permitt
ed by
AGM
PLP

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
0.30% N 0.35% Y 0.35% 0.35%
of loan of loan of loan of loan
amount amount amount amount

Retail Retail 1 4
4000+ N 4500+ N 2500 2500
GST GST

Retail Retail 1 4
1500/-+ N 1000/-+ N 2500/- 2500/-
GST GST

Retail Retail 1 4
2500 N No Y No No
charges charges charges
applica applica applica
ble ble ble

Retail Retail 1 4
2 years, Y None of N 2 years, 2 years,
half the half half
yearly above yearly yearly
basis basis basis

Retail Retail 1 4
1 1

Retail Retail 1 1
Bank N Borrow N Bank Bank
and er and
Borrow existing
er in bank
ratio of where
60:40 borrow
er is
maintai
ning
loan
account
in ratio
decided
by that
bank

Retail Retail 1 4
HUF Y All are N HUF HUF
eligible
under
Home
Loan
Retail Retail 1 4
ZOCAC Y CHCAC N ZOCAC ZOCAC

Retail Retail 1 4
1.75 N 2.5 N 1.25 1.25

Retail Retail 1 4
40 Y 50 N 40 40
years years years years

Retail Retail 1 4
1 year N 3 years Y 3 years 3 years

Retail Retail 1 4
20000/- N The Y The The
individu individu individu
al is not al is not al is not
eligible eligible eligible
under under under
the the the
scheme scheme scheme

Retail Retail 1 4
A and B Y All of N A and B A and B
the
above

Retail Retail 1 4
20 lacs, N 10 lacs, N 20 lacs, 20 lacs,
100 lacs 100 lacs Need Need
Based Based

Retail Retail 1 4
 0 0

Retail Retail 1 1
One N One N One One
time time time time
charges charges charges charges
of Rs of Rs of Rs of Rs
2500 2000 2500+ 2500+
only only GST GST

Retail Retail 1 4
1 1

Retail Retail 1 1
Rs Y Rs N Rs Rs
10.00 25.00 10.00 10.00
lacs lacs lacs lacs

Retail Retail 1 4
As per N None of N Overdr Overdr
choice the aft with aft with
of above reducin reducin
borrow g DP g DP
er

Retail Retail 1 4
PNB Y None of N PNB PNB
Flexible the Flexible Flexible
Housin above Housin Housin
g Loan g Loan g Loan

Retail Retail 1 4
55 N 35 N 50 50
years years years years

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
10%, 4 N 20%, 5 Y 20%, 5 20%, 5
years years years years

Retail Retail 1 4
50.00 N 60.00 N 30.00 30.00
lacs lacs lacs lacs

Retail Retail 1 4
1 year N 5 years N 3 years 3 years

Retail Retail 1 4
None of N There is N Both of Both of
the no such the the
above conditi above above
ons
under
the
scheme

Retail Retail 1 4
Rs 2.00 Y Rs N Rs 2.00 Rs 2.00
lacs 20.00 lacs lacs
lacs

Retail Retail 1 4
Rs 500 N Rs 450 Y Rs 450 Rs 450

Retail Retail 1 4
60 N 12 N 36 36
months months months months

Retail Retail 1 4
ECE N iRAM Y iRAM iRAM
House, Delhi Delhi Delhi
Delhi (karol (karol (karol
Bagh) Bagh) Bagh)

Retail Retail 1 4
2.0 kw, N None of N 1.0 kw, 1.0 kw,
5.0 kw the 5.0 kw 5.0 kw
above

Retail Retail 1 4
Rs 6.00 N Rs 7.50 N Rs 5.00 Rs 5.00
lacs lacs lacs lacs

Retail Retail 1 4
5 years Y 4 years N 5 years 5 years

Retail Retail 1 4
Rs 1750 N Rs 2000 N Rs 1350 Rs 1350
+ GST + GST + GST + GST

Retail Retail 1 4
1 1

Retail Retail 1 1
15.00% N 5.00% Y 5.00% 5.00%

Retail Retail 1 4
10% N None of N 7.50% 7.50%
the
above

Retail Retail 1 4
15% N 35% N 25% 25%

Retail Retail 1 4
25% N 30% N 20% 20%

Retail Retail 1 4
30% Y 35% N 30% 30%

Retail Retail 1 4
20% N 25% Y 25% 25%

Retail Retail 1 4
20% Y None of N 20% 20%
the
above

Retail Retail 1 4
20% N None of N 25% 25%
the
above

Retail Retail 1 4
10% N 5% N 20% 20%

Retail Retail 1 4
15% N 10% N 30% 30%

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
15 N 18 N 12 12
months months months months

Retail Retail 1 4
60 N None of N 36 36
months the months months
above

Retail Retail 1 4
75% N 85% N 70% 70%

Retail Retail 1 4
75% Y 85% N 75% 75%

Retail Retail 1 4
0.35%, N 0.30%, Y 0.30%, 0.30%,
500 500 500 500

Retail Retail 1 4
Rs 20 N Rs 50 N Rs 15 Rs 15

Retail Retail 1 4
Rs 200 N Rs 250 N Rs 100 Rs 100
per per per per
month month month month

Retail Retail 1 4
Any Y None of N Any Any
one of the one of one of
the above the the
above above above

Retail Retail 1 4
Rs 3.00 N Rs 7.50 N Rs 5.00 Rs 5.00
lacs lacs lacs lacs

Retail Retail 1 4
1 1

Retail Retail 1 1
4 N 5 Y 5 5

Retail Retail 1 4
Date of N All of Y All of All of
sanctio the the the
n and above above above
weight
and
purity
of
jeweller
y

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
Rs N Rs N Rs Rs
30.00 40.00 25.00 25.00
lacs lacs lacs lacs

Retail Retail 1 4
Any N None of N Sanctio Sanctio
one of the n the n the
the above loan loan
above with with
vested vested
power power

Retail Retail 1 4
40 N 60 N 45 45

Retail Retail 1 4
Head N Zonal Y Zonal Zonal
Office Manag Manag Manag
er er er

Retail Retail 1 4
None of Y All of N None of None of
the the the the
above above above above

Retail Retail 1 4
Rs N Rs N Need Need
50.00 100.00 based based
lacs lac

Retail Retail 1 4
30% N 35% N 25% 25%

Retail Retail 1 4
30% N 35% N 40% 40%

Retail Retail 1 4
3000.00 N 200.00 Y 200.00 200.00
lacs lacs lacs lacs

Retail Retail 1 4
HOCAC Y GBB N HOCAC HOCAC
I I I

Retail Retail 1 4
 1 1

Retail Retail 1 1
Rs N Rs N Rs 5.00 Rs 5.00
20.00 10.00 lacs lacs
lacs lacs

Retail Retail 1 4
25% N 30% N 10% 10%

Retail Retail 1 4
25% N 30% N 20% 20%

Retail Retail 1 4
0.35% N 0.25% Y 0.25% 0.25%

Retail Retail 1 4
4 years N 3 years Y 3 years 3 years

Retail Retail 1 4
A and B Y All of N A and B A and B
the
above

Retail Retail 1 4
10000/- N 15000/- N 25000/- 25000/-

Retail Retail 1 4
0.20% N 0.50% N At At
above above same same
the the rate as rate as
applica applica allowed allowed
ble ROI ble ROI on on
on on deposit deposit
deposit deposit

Retail Retail 1 4
PNB N None of N PNB PNB
Sarasw the Parvasi Parvasi
ati above Siksha Siksha
Loan Loan

Retail Retail 1 4
Rs N Need Y Need Need
50.00 based based based
lacs

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
150% N 50% N 125% 125%

Retail Retail 1 4
Course N Course N Course Course
Period Period Period Period
+ 9 + 12 + 6+ 6
months months months months

Retail Retail 1 4
0 0

Retail Retail 1 1
25000/- N 30000/- N 10000/- 10000/-

Retail Retail 1 4
PLP N Circle Y Circle Circle
Head Head Head Head

Retail Retail 1 4
PLP Y Segmen N PLP PLP
Head t Head Head Head
has
authori
ty to
reject
the
loan
himself

Retail Retail 1 4
Zonal N PLP N CHCAC CHCAC
Manag Head
er has
authori
ty to
reject
the
loan
himself

Retail Retail 1 4
HOCAC N None of N ZOCAC ZOCAC
III the
above

Retail Retail 1 4
1 1

Retail Retail 1 1
Uttar N Delhi Y Delhi Delhi
Pradesh

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
C N A, BN either A either A
and D or B or B
options
are
correct

Retail Retail 1 4
A or A+ Y All of N A or A+ A or A+
the
above

Retail Retail 1 4
Rs N Rs N Rs Rs
25.00 30.00 10.00 10.00
lacs lacs lacs lacs

Retail Retail 1 3
Rs 4.00 N Rs 8.00 N Rs 7.50 Rs 7.50
lacs lacs lacs lacs

Retail Retail 1 4
Third N Any of N Parent( Parent(
Party the s) to be s) to be
Guaran above made made
tee joint joint
borrow borrow
er er

Retail Retail 1 4
15 Y None of N 15 15
years the years years
excludi above excludi excludi
ng ng ng
morato morato morato
rium rium rium
period period period

Retail Retail 1 4
12 N 6 Y 6 6
months months months months
, 3 , 3 , 3, 3
times times times times

Retail Retail 1 4
No Y None of N No No
restricti the restricti restricti
on above on on

Retail Retail 1 4
2 days N 6 days N 4 days 4 days

Retail Retail 1 4
35000/- N 40000/- N 25000/- 25000/-

Retail Retail 1 4
500000 N 600000 N 300000 300000
/- /- /- /-

Retail Retail 1 4
5 years N 3 years Y 3 years 3 years

Retail Retail 1 4
Rs Y Rs N Rs Rs
500.00 400.00 500.00 500.00
lacs lacs lacs lacs

Retail Retail 1 4
Higher N Averag N Lower Lower
of a or e of a of a or of a or
b or b b b

Retail Retail 1 4
Averag N Lower Y Lower Lower
e of a of a or of a or of a or
or b b b b

Retail Retail 1 4
45% N 55% N 60% 60%

Retail Retail 1 4
45% N 55% N 70% 70%

Retail Retail 1 4
68 N 70 Y 70 70
years years years years

Retail Retail 1 4
0.25% Y 1.00% N 0.25% 0.25%

Retail Retail 1 4
0.15% N 0.85% N 0.50% 0.50%

Retail Retail 1 4
0.15% N 0.85% N 0.75% 0.75%

Retail Retail 1 4
15 N 10 N 25 25
years years years years

Retail Retail 1 4
Rs 150 N Rs 250 Y Rs 250 Rs 250
+ + + +
service service service service
tax tax tax tax

Retail Retail 1 4
50% or Y None of N 50% or 50% or
less the less less
above

Retail Retail 1 4
Send N None of N Reject Reject
the the the the
propos above propos propos
al to al as al as
ZOCAC prescri prescri
for bed bed
sanctio limit of limit of
n Rs 5.00 Rs 5.00
crores crores
is is
already already
reache reache
d d

Retail Retail 1 4
B and C Y All of N B and C B and C
the
above

Retail Retail 1 4
Simple N None of N Reverse Reverse
Mortga the Mortga Mortga
ge above ge ge

Retail Retail 1 4
25000/- N 30000/- N No No
income income
require require
d d

Retail Retail 1 4
Rs 200 N Rs 100 Y Rs 100 Rs 100
lacs lacs lacs lacs

Retail Retail 1 4
60 Y 50 N 60 60
years years years years

Retail Retail 1 4
 0 0

Retail Retail 1 1
10 N 30 N 20 20
years years years years

Retail Retail 1 4
1500/- N 2500/- N Nil Nil

Retail Retail 1 4
A and B N All of Y All of All of
the the the
above above above

Retail Retail 1 4
Rs Y Rs N Rs Rs
15.00 30.00 15.00 15.00
lacs lacs lacs lacs

Retail Retail 1 3
Overdr N Any N Deman Deman
aft on one of d Loan d Loan
reducin the
g DP above

Retail Retail 1 4
Circle N HOCAC N Zonal Zonal
Head I Manag Manag
er er

Retail Retail 1 4
All of Y None of N All of All of
the the the the
above above above above

Retail Retail 1 4
CHECK N LADISB Y LADISB LADISB
OFF

Retail Retail 1 4
Move Y None of N Move Move
the the the the
propos above propos propos
al to al to al to
linked linked linked
PLP for PLP for PLP for
sanctio sanctio sanctio
n n n

Retail Retail 1 4
GM, N None of N Circle Circle
Credit the Head Head
Division above

Retail Retail 1 4
5.00 N Need N 20.00 20.00
lacs based lacs lacs

Retail Retail 1 4
0.50% N 3% of N 1% of 1% of
of the the the the
loan loan loan loan
amount amount amount amount
+ taxes + taxes + taxes + taxes

Retail Retail 1 4
3% of N Nil Y Nil Nil
the
loan
amount
+ taxes

Retail Retail 1 4
2 Y None of N 2 2
account the account account
s above s s

Retail Retail 1 4
80000/- N 85000/- N 75000/- 75000/-

Retail Retail 1 4
Rs N Rs 7.50 N Rs 5.00 Rs 5.00
12.50 lacs lacs lacs
Lacs

Retail Retail 1 4
60 N 60 N 65 65
years, years, years, years,
70 65 70 70
years years years years

Retail Retail 1 4
0.40% N 0.90% Y 0.90% 0.90%
of the of the of the of the
loan loan loan loan
amount amount amount amount
+ taxes + taxes + taxes + taxes

Retail Retail 1 4
2% Y None of N 2% 2%
the
above

Retail Retail 1 4
Rs 5.00 N None of N Rs 6.00 Rs 6.00
lacs and the lacs and lacs and
700 and above 750 and 750 and
above above above

Retail Retail 1 4
Rs N Rs 7.50 N Rs 5.00 Rs 5.00
15.00 lacs lacs lacs
lacs

Retail Retail 1 4
750 N 725 N 650 650

Retail Retail 1 4
LIC N All of Y All of All of
Agents the the the
above above above

Retail Retail 1 4
Rs 7.50 Y Rs 8.00 N Rs 7.50 Rs 7.50
lacs lacs lacs lacs

Retail Retail 1 3
16.10.2 N 16.11.2 N 16.09.2 16.09.2
015 015 015 015

Retail Retail 1 4
200000 N 250000 N 150000 150000
/- /- /- /-

Retail Retail 1 4
Mecha N All of Y All of All of
nism the the the
for above above above
student
s to
commu
nicate
with
banks

Retail Retail 1 4
Rs 100+ Y Rs 500 N Rs 100+ Rs 100+
GST + GST GST GST

Retail Retail 1 4
0.10% N 0.25% Y 0.25% 0.25%

Retail Retail 1 4
0.25% Y 0.10% N 0.25% 0.25%

Retail Retail 1 4
0.25% N 1.00% N 0.50% 0.50%

Retail Retail 1 4
0.25% N 1.00% N 1.00% 1.00%

Retail Retail 1 4
0.25% N 1.00% N 0.50% 0.50%

Retail Retail 1 4
0.25% N 1.00% N 1.00% 1.00%

Retail Retail 1 4
0.25% N 1.00% N 0.75% 0.75%

Retail Retail 1 4
1.00% N 1.50% Y 1.50% 1.50%

Retail Retail 1 4
RLLR Y None of N RLLR RLLR
the
above

Retail Retail 1 4
1.00% N 1.50% N 0.75% 0.75%

Retail Retail 1 4
150 N 125 N 100 100

Retail Retail 1 4