1.

Limit for external credit rating compulsory for: Rs

2. compulsory leave is to be availed for how many minimum number of days:
3. SABATICAL leave to employees – minimum service for eligibility:
4. pensioners maximum loan, age, repayment period
5. TEV – techno economic Viability report is required for which type of loans: project loans,
term loans, expansion, rehabilitation . TEV report for more than RS
6. Unsecured exposure of your bank should not exceed RS :
7. term loan sanction valid for :
8. CSR amount for your bank as on 31.3.2018:
(
9. personal gold loan : maximum amount: margin: period:
10. Tax saving deposit : period: minimum & maximum
11. student loan for studies in India and abroad:
12. Housing loans : take home pay %: OTHER THAN SALAIRED PERSONS: INCOME CRITERIA
HOUSING LOAN MAXIMUM REPAYMENT PEREIOD:
13. clean OD to staff eligibility norms:
14. car loan to staff net take home pay: 2nd hand vehicle purchase quantum of finance
15. Death claim settlement powers of Chief manager:
16. Loan against rentals: eligibility conditions: maximum loan quanturm:
17. Advance against cheques sent for collection – purchase powers for chief managers:
18. against pending security perfection of Term loan/ working capital loans,INTERIUM
DISBURSEMENT
19. limits can be released : ---% of the sanctioned limit with ________________% more rate
of interest and maximum period allowed for securities perfection
20. personal loans to corporate employees: conditions:
21. Mortgage business loans : conditions: ----% of property value
22. ceiling on exposure to partner ship concern: amount :
23. ceiling on exposure to real estate sector: ------% of gross credit
24. waiver of status report for foreign buyer in exports without LC:
25. educational loan repayment period:
26. your bank recent BCSBI ranking:
27. Credit audit applicable to loans of RS:
28. Stock audit applicable to working capital loans of Rs:
29. Appraisal charges for gold loans:
30. Teachers loan: minimum home take pay and maximum loan amount
31. Bridge loans to companies against expected equity flows/issues: maximum loan , period,
minimum rating required for that instrument
32. Clearance accorded by New Business Group Committee shall be valid for a period of -------
days only.
33. Valuation of Properties: Branches have to obtain minimum 2 valuation report for properties
valued at ₹---------Crores and above. However, in respect of Housing Loans, for loan amount
of ₹------- Lakhs and above, valuation report has to be obtained from 2 independent valuers
34. Partial Credit Enhancement (PCE):
The aggregate PCE provided for a given bond issue shall be limited to 20% of the bond issue
size. (RBI exposure norms)
 PCE exposure to a single counterparty or group of counterparties shall not exceed ----- % of
the Bank‟s Single Borrower/Group Borrower limit to the counterparty to whom the PCE is
provided. ( your bank specific exposure norms as per loan policy

35. Regulatory guidelines on Limits on banks‟ exposure to Capital Markets as per RBI
STIPULATIONS : should not exceed40% of net worth as on 31st march (direct investment not
exceeds 20% of net worth)
YOUR BANK EXPOSURE ENORMS FOR CAPITLA MARKET :

36. Benchmark financial parameters for Working Capital Assessment

37. Benchmark Financial Parameters for term loan/DPG:
38. Focus Sectors: Agriculture, Micro, Small and Medium Enterprises , Housing , Mid-Corporates
,Exports , Education ,Trade and Services