Executive Promotion Study Material 2025-26
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Questions and Answers

What is the maximum loan amount available for purchasing agricultural land under the given scheme?

  • ₹Rs. 75 lakh (correct)
  • ₹Rs. 25 lakh
  • ₹Rs. 50 lakh
  • ₹Rs. 1 crore

What is the maximum amount that can be borrowed against warehouse receipts?

  • ₹Rs. 30 lakh
  • ₹Rs. 1 crore
  • ₹Rs. 50 lakh (correct)
  • ₹Rs. 75 lakh

For how long can loans against agricultural produce be obtained?

  • 10 months
  • 12 months (correct)
  • 24 months
  • 6 months

Which type of farm equipment can farmers install using loans mentioned in the content?

<p>Stand-alone Solar Pumps (B)</p> Signup and view all the answers

Which of the following is eligible for loan acquisition according to the provided information?

<p>Solar power plants on barren land (D)</p> Signup and view all the answers

What type of financial product can small and marginal farmers pledge for loans?

<p>Warehouse Receipts (C)</p> Signup and view all the answers

Which purpose is not explicitly mentioned for obtaining loans in the content?

<p>Purchase of seeds (D)</p> Signup and view all the answers

What is the main focus of the loans offered according to the information provided?

<p>Agricultural productivity (A)</p> Signup and view all the answers

What type of loans are provided to farmers for their agricultural activities?

<p>Crop loans and medium/long-term loans (A)</p> Signup and view all the answers

Which activities are included in the loans aimed at traditional/non-traditional plantations?

<p>Horticulture and allied activities (D)</p> Signup and view all the answers

What is a common purpose of loans for pre and post-harvest activities?

<p>For activities like spraying and harvesting (C)</p> Signup and view all the answers

Which of the following is NOT mentioned as a use for agricultural loans?

<p>Buying electronic gadgets (A)</p> Signup and view all the answers

What type of activities are targeted by developmental loans in agriculture?

<p>Activities including purchase of harvesting equipment (C)</p> Signup and view all the answers

Which of the following best describes 'allied activities' related to agriculture?

<p>Activities that complement agricultural production (B)</p> Signup and view all the answers

What factor is LEAST likely to be covered by loans aimed at farmers?

<p>Fundraising events (C)</p> Signup and view all the answers

What is the primary focus of medium and long-term loans for farmers?

<p>Funding long-term agricultural investments (B)</p> Signup and view all the answers

What is the maximum loan amount available against the pledge/hypothecation of agricultural loans?

<p>Rs. 75 lakh (B)</p> Signup and view all the answers

For how long can loans against warehouse receipts be issued?

<p>Not exceeding 12 months (B)</p> Signup and view all the answers

What is the loan limit for a borrowing entity marketing their produce?

<p>Rs. 5 crore (C)</p> Signup and view all the answers

What is the purpose of loans against NWRs/eNWRs?

<p>For marketing of agricultural produce (A)</p> Signup and view all the answers

Which of the following represents a limit for FPOs/FPCs in borrowing?

<p>Up to Rs. 5 crore (B)</p> Signup and view all the answers

What is the nature of receipts that can secure loans up to Rs. 50 lakh?

<p>Warehouse receipts (C)</p> Signup and view all the answers

Which of the following activities does NOT qualify for loans mentioned?

<p>Investing in stocks (A)</p> Signup and view all the answers

The assured price for agricultural products is commonly tied to which of the following?

<p>Pre-determined agreements (A)</p> Signup and view all the answers

What is the maximum loan amount for cooperative societies of farmers as mentioned?

<p>Rs. 5 crore (B)</p> Signup and view all the answers

Which entity provides loans to entrepreneurs for compressed bio gas plants?

<p>Banking Institutions (D)</p> Signup and view all the answers

What is the total sanction limit for the loans mentioned?

<p>Rs. 100 crore (B)</p> Signup and view all the answers

What is the loan limit for start-ups as per the government's definition?

<p>Up to Rs. 50 crore (A)</p> Signup and view all the answers

Which ministry's definition is referenced for start-ups in terms of loans?

<p>Ministry of Commerce (D)</p> Signup and view all the answers

What type of infrastructure is mentioned in relation to compressed bio gas plants?

<p>Utility infrastructure (A)</p> Signup and view all the answers

What is the purpose of the loans provided to co-operative societies?

<p>For purchasing produce (A)</p> Signup and view all the answers

Which of the following best describes the type of loans available to start-ups?

<p>Secured loans (A)</p> Signup and view all the answers

What does the abbreviation 'N' appear to represent in the context?

<p>Network (D)</p> Signup and view all the answers

In the sequence provided, what does 'VA' likely refer to?

<p>Value Added (A)</p> Signup and view all the answers

What is the predominant pattern observed in the letter arrangements in the content?

<p>Acronyms and abbreviations (A)</p> Signup and view all the answers

The letter 'U' is predominantly used in what capacity within the context?

<p>To represent a variable (D)</p> Signup and view all the answers

What does 'T' seem to signify in this content?

<p>Topic (D)</p> Signup and view all the answers

What role does 'R' appear to play within the organization represented in the document?

<p>Research (D)</p> Signup and view all the answers

Which statement best describes the overall tone and format of the content?

<p>Abstract and coded (B)</p> Signup and view all the answers

What main purpose does the document seem to serve?

<p>For internal communication (A)</p> Signup and view all the answers

The repeated mention of 'A' and 'M' suggests what kind of relationship?

<p>Supplementary (D)</p> Signup and view all the answers

What should banks aim to achieve regarding the Farm Credit target?

<p>Increase it higher than the NCFU target. (C)</p> Signup and view all the answers

What is the adjusted net bank credit (ANBC) important for?

<p>Assessing the lending capacity of banks. (C)</p> Signup and view all the answers

Which institutions are involved with long-term bonds for infrastructure?

<p>RBI and other approved financial institutions. (A)</p> Signup and view all the answers

How are banks supposed to handle the priority sector lending targets?

<p>By achieving or surpassing the mandated targets. (A)</p> Signup and view all the answers

What percentage of ANBC is the U N target for lending expected to be?

<p>13.78% (C)</p> Signup and view all the answers

What circular outlines exemptions for long-term bonds for housing and infrastructure?

<p>DBOD.BP.BC. (C)</p> Signup and view all the answers

Which of the following best describes the policy for outstanding deposits concerning SIDBI and MUDRA?

<p>They may incur penalties for non-achievement. (C)</p> Signup and view all the answers

What is the role of RBI regarding the computation of Credit in India?

<p>It sets rules for the computation of net bank credit. (D)</p> Signup and view all the answers

Which of the following is NOT a priority lending sector?

<p>Large industrial ventures. (A)</p> Signup and view all the answers

What would the effect be if banks do not achieve their lending targets?

<p>They may face penalties or reduced privileges. (A)</p> Signup and view all the answers

How should banks approach priority sector targets according to the guidelines?

<p>They must be strictly adhered to. (C)</p> Signup and view all the answers

Which form is related to the computation of Credit in India?

<p>Form <code>A</code> under item No.VI. (A)</p> Signup and view all the answers

What happens to outstanding deposits with SIDBI and MUDRA if the lending targets are not achieved?

<p>They may incur penalties. (B)</p> Signup and view all the answers

What is the highest priority for banks as indicated in the content?

<p>Achieving the specified lending targets. (D)</p> Signup and view all the answers

Flashcards

Study material

A document or resource used for studying.

Promotion

A promotion or advancement within an organization.

Training exercise

A type of exercise designed to improve performance or skills.

Academy

An institution that trains individuals for a specific profession.

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Bank

A financial institution that provides banking services.

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Internal Circulation

The act of sharing information within an organization.

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Internal Circulation Material

A document or resource used for studying that is restricted to a specific group.

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Do Not Print Unless Extremely Required

Instructions to avoid printing a document unless absolutely necessary.

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Requirement

A formal request or demand for something.

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Internal Information

A type of information or document that is only shared within an organization.

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Loans Against Pledge/Hypothecation for Land Purchase

Loans provided to small and marginal farmers for purchasing agricultural land, up to ₹75 lakh. These loans are designed to help farmers acquire land for agricultural purposes.

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Loans Against Agricultural Produce

Loans given against agricultural produce, including warehouse receipts, for a maximum period of 12 months, subject to a limit of ₹50 lakh. These loans help farmers access working capital based on their harvested produce.

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Loans Against Warehouse Receipts (NWRs/eNWRs)

Loans offered to farmers for purchasing agricultural produce, including warehouse receipts (NWRs/eNWRs), with a limit of ₹50 lakh. This type of loan enables farmers to purchase agricultural products from other sources.

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Loans for Solar Agriculture Pumps (Standalone)

Loans provided to farmers for installing standalone solar pumps to power their agricultural activities. These loans promote sustainable farming practices by utilizing solar energy.

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Loans for Solar Power Plants on Grid-Connected Pumps

Loans offered to farmers for solarizing grid-connected agricultural pumps. This type of loan encourages the use of renewable energy sources for agricultural activities and reduces reliance on traditional electricity.

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Loans for Solar Power Plants on Barren Land

Loans provided to farmers to install solar power plants on barren or fallow land. This loan promotes the development of sustainable energy solutions while utilizing unused land.

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Priority Lending Target

A specific percentage of a bank's Adjusted Net Bank Credit (ANBC) that must be allocated to lending for priority sectors.

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Adjusted Net Bank Credit (ANBC)

A bank's Adjusted Net Bank Credit (ANBC) is the total credit provided by a bank, adjusted for certain factors like credit to banks and financial institutions.

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Priority Lending Target Calculation

The target for priority lending is calculated as a percentage of the bank's Adjusted Net Bank Credit (ANBC) or CEOBE (Credit Equivalent of Off-Balance Sheet Exposure), whichever is higher.

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CEOBE (Credit Equivalent of Off-Balance Sheet Exposure)

This refers to the credit equivalent of off-balance sheet exposures, which is a measure of the credit risk associated with off-balance sheet activities.

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Priority Lending

Priority lending is a requirement imposed on banks by the Reserve Bank of India (RBI) to promote lending in specific sectors considered crucial for economic growth and social development.

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Priority Sectors

These sectors are deemed important for the country's development and progress.

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Priority Lending Proportion

Banks are required to maintain a certain proportion of their lending to these priority sectors.

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Net Priority Sector Lending

This is calculated as the sum of the outstanding credit to priority sectors along with the PSLCs (Priority Sector Lending Certificates) issued by the bank.

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Priority Sector Lending Certificates (PSLCs)

These are certificates issued by banks that have exceeded their priority sector lending targets. These certificates can be sold to other banks that are below their targets, allowing for flexibility across the banking system.

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Penalties for Non-Achievement of Target

If a bank fails to achieve their priority lending target, they may face penalties or requirements to channel funds to certain institutions like SIDBI and MUDRA.

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SIDBI (Small Industries Development Bank of India)

This institution provides financial and developmental assistance to Micro, Small and Medium Enterprises (MSMEs).

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MUDRA (Micro Units Development & Refinance Agency Ltd)

This institution is involved in supporting Micro Units Development & Refinance Agency Ltd (MUDRA) by providing refinance for microfinance institutions.

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RIDF (Rural Infrastructure Development Fund)

This fund supports priority sector lending by providing financial assistance to banks for specific infrastructure projects.

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Long-Term Bonds for Infrastructure and Affordable Housing

These bonds are issued by banks and are eligible for exemptions as per RBI guidelines.

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Loans to FPOs/FPCs

This type of loan supports farmer cooperatives and producer companies, allowing them to market their produce collectively and negotiate better prices.

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Loans for Farmers Undertaking Farming

This loan option specifically targets farmers who are engaged in cultivating crops, providing them access to funds for various agricultural needs.

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Loans for Marketing of Produce

This loan assists farmers with obtaining funds to utilize agricultural produce in marketing activities, ensuring they generate returns on their investments.

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Loans for Land Purchase

These loans cater to the need for finance for farmers seeking to purchase agricultural land, enabling them to expand their operations.

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Loans for Purchase of Machinery & Equipment

This loan category offers financial assistance to farmers who need to acquire machinery or equipment for their agricultural activities.

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Loans Against Pledge/Hypothecation of Agricultural Land

This type of loan allows farmers to acquire funding based on the value of their land, enabling them to leverage their assets for financing.

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Loans for Agricultural Implements

Loans given to farmers for purchasing agricultural implements (tools and equipment) for their farms.

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Loans for Pre and Post-Harvest Activities

Loans offered to farmers for various activities related to their crops, such as spraying pesticides or harvesting.

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Loans for Allied Activities

Loans offered to farmers for activities like spraying, harvesting, grading, and transporting their farm produce, helping them manage and market their crops efficiently.

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Crop Loans for Traditional/Non-Traditional Plantations and Horticulture

Loans provided for planting and maintaining traditional and non-traditional agricultural crops, helping farmers explore different farming options.

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Medium and Long-Term Loans for Agriculture

Loans provided for longer-term needs related to agriculture, helping farmers invest in sustainable practices and technologies.

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Loans for Agricultural Machinery

Loans offered to farmers to purchase machinery and equipment for their farms, helping them automate tasks and improve efficiency.

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Loans for Developmental Activities

Loans offered to support the overall development of agriculture, including activities such as storage, processing, and marketing, enabling farmers to build better infrastructure and sell their crops more effectively.

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Loans to Farmer Cooperatives

Loans granted to farmers' cooperatives for the acquisition of agricultural produce. These loans are capped at INR 5 crore and aim to support cooperative farming practices.

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Loans for Compressed Biogas (CBG) Startups

Financial assistance provided to startups involved in compressed biogas (CBG) technology. These loans have a limit of INR 50 crore and support the development of sustainable biofuel production.

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Loans for CBG Plant Infrastructure

Loans offered to entrepreneurs involved in the compressed biogas (CBG) industry for the construction and operation of CBG plants. The loan limit is INR 100 crore, encouraging the growth of a clean energy infrastructure.

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Loans for Entrepreneurs in the CBG Sector

Financial support provided to entrepreneurs within the compressed biogas (CBG) sector. These loans aim to encourage entrepreneurship and innovation in the clean energy industry.

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Loans for CBG Start-ups

Financial assistance available to start-up companies involved in the compressed biogas (CBG) field. The loan limit is INR 50 crore, with the definition of start-ups adhering to the Ministry of Commerce and Industry's guidelines.

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Loans for Cooperative Purchase of Produce

Financial support given to cooperatives of farmers for the purchase of agricultural produce. The loan amount is capped at INR 5 crore per cooperative, contributing to sustainable farming practices.

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Loans for Cooperative Bulk Purchase of Produce

Loans that provide financial assistance to cooperatives of farmers, enabling these cooperatives to purchase agricultural produce in bulk. This supports collective buying power and facilitates sustainable farming practices.

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Loans for Cooperative Procurement

Financial assistance provided to cooperatives of farmers for acquiring agricultural produce. These loans are designed to promote cooperative farming and encourage sustainable practices.

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Study Notes

Executive Promotion Study Material 2025-26

  • Reference Material: Internal circulation only. Do not print unless required.
  • Farm Credit Target: The Farm Credit target will be 13.78% of Adjusted Net Bank Credit (ANBC) or CEOBE (whichever is higher) for 2025-26. Banks are expected to increase credit beyond the NCFU target.
  • Computation of ANBC: Calculation of Adjusted Net Bank Credit (ANBC) as per RBI Act, 1934 (Section 42(2))
  • RBI and Other Institutions: Banks must work with RBI and other approved financial institutions for compliance and regulatory approvals.
  • Bills Rediscounted and Bank Credit: The net outstanding deposits and bank credit (NBC) calculation is based on items described in Form A of item VI.
  • Priority Lending Targets: Lending targets are allocated to NABARD, NHB, SIDBI, MUDRA, etc. This includes PSLCs (Priority Sector Lending Categories) and sub-targets.
  • Special provisions: The document details specific lending options

Eligible Loans

  • Exemptions on Long-Term Bonds: Eligible amount for exemptions on issuance of long-term bonds for infrastructure and affordable housing, following circular DBOD.BP.BC
  • Agricultural Loans:
    • Pledge/Hypothecation: Loans against pledge/hypothecation of agricultural produce (including warehouse receipts) or NWRs/eNWRs up to ₹75 lakh ( warehouse receipts other than NWRs/eNWRs up to ₹50 lakh maximum).
    • Solarization: Loans for installation of stand-alone solar agriculture pumps, solarization of grid-connected agriculture pumps, and solar power plants on barren/fallow lands.
    • Crop Loans: Traditional/non-traditional plantation and horticulture, and allied farm activities and allied machines loans.
    • Pre/Post-Harvest: Loans for pre-and post-harvest activities like spraying, harvesting, grading, transporting farm produce.
  • Total loan amount: Aggregated loan amounts per banking entity will not exceed ₹100 crore.
  • Loans to Cooperatives/Start-ups: Loans to farmer cooperatives up to ₹5 crore and start-ups up to Rs. 50 crore.
  • Loans for marketing produce: Support in marketing farm produce to enhance prices.
  • CBG Plants: Financing for Compressed Biogas (CBG) plants.

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Description

This quiz covers the key concepts and regulations related to executive promotions in banking for the year 2025-26. It touches upon important topics like Farm Credit targets, the calculation of Adjusted Net Bank Credit, and regulatory compliance with RBI guidelines. Understanding these materials is essential for effective management and promotion in the banking sector.

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