Podcast
Questions and Answers
What is the purpose of obtaining a re-valuation report after the expiry of the existing valuation?
What is the purpose of obtaining a re-valuation report after the expiry of the existing valuation?
- To evaluate the market trends
- To assess borrower creditworthiness
- To increase the loan amount
- To comply with bank guidelines (correct)
What should be monitored to ensure proper repayment of loans?
What should be monitored to ensure proper repayment of loans?
- Withdrawal limits on accounts
- Interest rates from competitors
- Customer feedback on the bank's services
- Repayment of loan and servicing of interest (correct)
In which scenario is independent follow-up required?
In which scenario is independent follow-up required?
- When repayment terms need to be renegotiated
- When the borrower requests a loan extension
- When the account reaches SMA-0 category (correct)
- When the account goes into SMA-1 category
What should the approval of the CMC Head concern in terms of Drawing Power Allocation?
What should the approval of the CMC Head concern in terms of Drawing Power Allocation?
What does the submission of a status note for SMA/stressed accounts involve?
What does the submission of a status note for SMA/stressed accounts involve?
What is one of the key responsibilities when creating charge in CERSAI?
What is one of the key responsibilities when creating charge in CERSAI?
What is essential for disbursement of facilities according to the bank’s policies?
What is essential for disbursement of facilities according to the bank’s policies?
What is necessary to avoid leakage in revenue to the bank?
What is necessary to avoid leakage in revenue to the bank?
Which body is responsible for sanctioning loans up to the power of ZO?
Which body is responsible for sanctioning loans up to the power of ZO?
Where will the proposals for HO Power be submitted?
Where will the proposals for HO Power be submitted?
What is the ticket size that aligns CBB with MCC for handling loans?
What is the ticket size that aligns CBB with MCC for handling loans?
What can happen to accounts with exposure up to ₹10 Crore?
What can happen to accounts with exposure up to ₹10 Crore?
How will accounts above ₹10 Crore be managed?
How will accounts above ₹10 Crore be managed?
Who will cater to the establishment-related work for CBBs?
Who will cater to the establishment-related work for CBBs?
What should happen to the Non-Performing Assets (NPA) accounts?
What should happen to the Non-Performing Assets (NPA) accounts?
What role does the Circle Office/ Zonal Office have regarding CBBs?
What role does the Circle Office/ Zonal Office have regarding CBBs?
Who has the authority to sanction proposals regarding Lab Grown Diamonds?
Who has the authority to sanction proposals regarding Lab Grown Diamonds?
Which authority is responsible for sanctioning water supply projects?
Which authority is responsible for sanctioning water supply projects?
What is required for all other infrastructure proposals not explicitly mentioned?
What is required for all other infrastructure proposals not explicitly mentioned?
Which type of loaning powers must be exercised for educational institutions constructed by real estate entities?
Which type of loaning powers must be exercised for educational institutions constructed by real estate entities?
What kinds of proposals can PLP-CAC /MCC-CAC sanction?
What kinds of proposals can PLP-CAC /MCC-CAC sanction?
What is the maximum funding for solar power projects that can be approved without additional oversight?
What is the maximum funding for solar power projects that can be approved without additional oversight?
Which authority has the maximum general loaning powers for infrastructure projects not listed in specific categories?
Which authority has the maximum general loaning powers for infrastructure projects not listed in specific categories?
For which proposal must technical appraisal assistance be sought?
For which proposal must technical appraisal assistance be sought?
What is the minimum PNB SME Score required for non-government sponsored schemes?
What is the minimum PNB SME Score required for non-government sponsored schemes?
Which of the following is NOT an indicative activity performed by branches after loan sanctioning?
Which of the following is NOT an indicative activity performed by branches after loan sanctioning?
What kind of compliance must be ensured before disbursement of a loan?
What kind of compliance must be ensured before disbursement of a loan?
For MSME loans above ₹100.00 Lakh, what is the discretionary power authority involved?
For MSME loans above ₹100.00 Lakh, what is the discretionary power authority involved?
What must be ascertained before disbursing the loan amount?
What must be ascertained before disbursing the loan amount?
Which of the following growth rates should be accepted based on loan projections?
Which of the following growth rates should be accepted based on loan projections?
What is one of the targeted schemes under the MSME loan segment?
What is one of the targeted schemes under the MSME loan segment?
Which of the following must be analyzed as part of the loan process?
Which of the following must be analyzed as part of the loan process?
Which financing methodology allows for the consideration of cash flow mismatches in assessing working capital requirements?
Which financing methodology allows for the consideration of cash flow mismatches in assessing working capital requirements?
What is the minimum loan component percentage that borrowers with aggregate fund-based working capital limits of ₹150 Crore and above must maintain from 01.07.2019?
What is the minimum loan component percentage that borrowers with aggregate fund-based working capital limits of ₹150 Crore and above must maintain from 01.07.2019?
Which system is empowered to accept any methodology for working capital assessment depending on the borrower's business model?
Which system is empowered to accept any methodology for working capital assessment depending on the borrower's business model?
What must branches provide upon receiving loan application forms from applicants?
What must branches provide upon receiving loan application forms from applicants?
Field functionaries must enter leads pertaining to all modules into which application system?
Field functionaries must enter leads pertaining to all modules into which application system?
For proposals above ₹25 crore and not configured in LenS, what must be indicated in the status of the application?
For proposals above ₹25 crore and not configured in LenS, what must be indicated in the status of the application?
What financial assessment method is specifically linked with turnover?
What financial assessment method is specifically linked with turnover?
Which area does an 'Acknowledgment of receipt' primarily fall under according to the provided guidelines?
Which area does an 'Acknowledgment of receipt' primarily fall under according to the provided guidelines?
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Study Notes
Corporate Banking Branch (CBB)
- CBBs handle loans over ₹10 crore, acting as a one-stop solution for corporate credit needs.
- CBBs will handle both fund-based and non-fund-based corporate credit requirements
- Accounts over ₹10 crore from other branches can be shifted to CBBs at the customer's request.
- Existing accounts under ₹10 crore can remain at CBBs or be shifted to other branches, at the customer's request.
Loan Sanctioning Powers for CBBs
- Loans up to ZO Power: Sanctioned by ZOCAC
- HO Power Proposals: Submitted to Head Office, with recommendation from Zonal office.
- Lab Grown Diamonds: Sanctioned by ZOCAC and above
- Financing to Jewellers: Continued as per extant IRMD/MSME scheme.
Infrastructure Loan Sanctioning
- Agro-Processing, Cold Storage, Warehouses, Hospitals: Sanctioned by PLP-CAC/MCC-CAC and above.
- Water Supply, Irrigation, Water Treatment, Sanitation, Sewerage, Solid Waste Management: Sanctioned by CHCAC and above.
- Mini Hydropower Projects: Sanctioned by ZOCAC and above.
- Other Infrastructure: Sanctioned by ZOCAC and above, but require prior administrative approval/clearance from HOCAC-I.
MSME Loans
- MSME Loans up to ₹100.00 Lakh: Sanctioned by PLPs.
- MSME Loans over ₹100.00 Lakh: Sanctioned by MCCs.
- Working Capital Assessment: Methodology including MPBF, Assessed Bank Finance (ABF), Cash Budget and Cash deficit/Cash flow mismatch can be used based on the borrower's business model and operational requirements.
Loan Application Process
- Field staff must use PNB Lens to enter all credit leads.
- Leads for proposals above ₹25 crore and schemes not configured in Lens should be marked as "Sanctioned Manually" with additional details captured.
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