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</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</p> Signup and view all the answers

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

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

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

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

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

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

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

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

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

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

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

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

    For how long can loans against warehouse receipts be issued?

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

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

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

    What is the purpose of loans against NWRs/eNWRs?

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

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

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

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

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

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

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

    What is the total sanction limit for the loans mentioned?

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

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

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

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

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

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

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

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

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

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

    <p>Network</p> Signup and view all the answers

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

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

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

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

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

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

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

    <p>Topic</p> Signup and view all the answers

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

    <p>Research</p> Signup and view all the answers

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

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

    What main purpose does the document seem to serve?

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

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

    <p>Supplementary</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.</p> Signup and view all the answers

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

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

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

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

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

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

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

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

    Which of the following is NOT a priority lending sector?

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

    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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