MSME FOR BANKERS (EXAM DATED 27.04.2019)
1. MSME represent ------- policies of Government of India which emphasized to use foreign exchange for imports etc (Ans: Socio Economic)
2. Objectives of MSME identification which among is not an objective (Page 4 of Text Book)
3. Limitations of MSME. Identify which among is correct (Page 4 of Text Book)
4. The MSME is made important subject in development in (Ans: Worldwide including countries like USA, Japan)
5. The classification of industries is based on different factors. Which among the following is wrong (Ans: Loan Amount)
6. Explanation of export oriented Unit (Ans: Industry that undertakes to export 30% of annual production at the end of third year)
7. Which among the following is not falls in Small Business (Ans: Wholesale Trade)
8. For the transport operator is categorized as MSE, if total vehicle owned does not exceed (Ans: 10)
9. The de reservation of items as per Sec 29 B of Industries act 1951. Find out wrong features (Page 10 of Text Book)
10. Micro Enterprises Manufacturing & service investment criteria (Ans. 25 Lacs & 10 lacs)
11. Which among the following is the example of indirect finance (Ans: MFI lending to co-operatives of producers)
12. Which among the following is not a feature of Sole Proprietary firm (Ans: Income is distinguished for taxation)
13. Mr. Ram a minor turned major on 01.02.2016, who was admitted to a partnership firm during his minority. What is the maximum time before which he can repudiate his liability (Ans: 6 months from date )
14. Which among the following is not a feature of partnership firm (Ans: A partnership firm can be a partner in another firm)
15. Which among the following is a feature of partnership firm (Ans: A partnership firm not require compulsory registration of deed)
16. The usage of common seal is explained in which document. (Ans: Articles of Association)
17. Maximum number of share holders in Private Limited Company is (Ans: 200)
18. Which among the following is not a feature of Public Limited Company (Ans: The shares are freely not transferrable)
19. For getting environmental clearance for the setting up of an enterprises one must (Ans: Obtain clearance from the pollution board)
20. If the ownership of any enterprise is individually or jointly hold by women above 51%, the same is termed as (Ans: Woman Enterprises)
21. The gender discrimination in Market is by (Ans: Differential wage for the same work)
22. Which among the following is not a classification of categories of Women Entrepreneurs (Ans: Literate and illiterate women)
23. Exclusive scheme to provide equity support to women entrepreneurs (Ans: Mahila Udhyam Nidhi)
24. Which among the following is not a supportive measures for Women’s economic activities (Ans: Refer Page ; 24 in text book)
25. MSME DO is earlier known as (Ans; Small industries Development Organization)
26. The development of MSME is a (Ans: State Subject )
27. An industrial undertaking, a company with interests in industry can invest up to _____ in a MSE unit (Ans; 24%)
28. Similarity features identification between LLP & a Private Limited Company (Ans: Refer Page ; 45 in text book)
29. TReDS full form (Ans: Trade Receivables Discounting system )
30. Which among the features pertains to Priority Sector Lending Certificates
31. CERSAI is formed as per the (Ans: SARFAESIA act of 2002)
32. Calculation for maximum CGTMSE coverage available for unit with Rs 30.00 Lacs fund based & 15 Lacs non fund based limit.
33. The current liability is 50000. The current ratio is 2.5. calculate Current asset
34. The CLSS scheme gives subsidy of ( 15% or 0.15)
35. Which among the given option is not a rating agency (Ans; NSIC)
36. Which among the following is give overall guidelines of SIDO (Ans; Directorate of industries)
37. Features of HUDCO. Select the one wrongly explained (Ans: Refer Page ; 61 in text book)
38. Activities of TCO. Which among is correct combination (Ans: Refer Page ; 62 in text book)
39. Which among the following is features of KVIC (Ans: Refer Page ; 63 in text book)
40. The credit limit up to 5 Lacs to be disposed in maximum of (Ans; 2 Weeks)
41. Which among the following is wrongly stated regarding the functions of SIDBI (Ans: Refer Page ; 70 in text book)
42. Major problems faced by MSME in the given option (Ans: Refer Page ; 92 in text book)
43. Which among the following is not a feature for commercial banks or promoting the MSE advance portfolio (Ans: Low NPA)
44. Identify which are the following is bill financing
45. Which among the following is example of post shipment finance (Ans: Refer Page ; 109 in text book)
46. RED Clause LC Feature (Ans: Refer Page ; 111 in text book)
47. Specialized MSME branch (Ans: if advance is 60% MSE portfolio)
48. BCSBI guidelines for MSE regarding acknowledgement of application & issuance of rejection letter with reason
49. Which among the given option is not associated with 5 Cs of the borrower (Ans: CIBIL score )
50. Identify and add the total assets from the given balance sheet component
51. What is the implication and effect in increase of Sundry Debtors or creditors (Ans; Refer Page ; 124 in text book)
52. Maximum Limit of loan that can be sanctioned under Turnover method (Ans: Rs 500.00 Lacs)
53. Factors affecting/determine the working capital limit (Ans: Refer Page ; 138 in text book)
54. Calculation using II method of lending (Ans; Refer Page ; 143 in text book)
55. Overview of Risk features , by way of match the following (Ans: Refer Page ; 145 in text book)
56. Features and requirement of credit rating (Ans: Refer Page ; 148 in text book)
57. Economic benefits of MSME. Identify the features (Ans: Refer Page ; 165 in text book)
58. The common parlance and practices of BDS is (Ans: Operational)
59. Identify the support by BDS (Ans: Refer Page ; 170 in text book)
60. Nature of deficiencies and remedial measures in cluster development (Ans; Refer Page ; 198 in text book)
61. Growth phase of MSE cluster features
62. Role of CDE in the cluster (Ans; Refer Page ; 209 in text book)
63. Why agricultural land is not taken as collateral security for securing the loan
64. Delayed payment of the bill raised by the MSE entrepreneur is compensated by (Ans: 3 times of bank rate announced by RBI)
65. RBI definition of Sick unit
66. Identify which among the following is external cause of sickness (Ans: Power Shortage)
67. When long term source is used for short term uses, the same is amounts to (Ans; Diversion of funds)
68. Feature of an enterprises tending towards sickness (Ans: Refer Page ; 242 in text book)
69. Symptoms of incipient sickness in activity (Ans; Refer Page ; 243 in text book)
70. Explanation of SICK GREY AREA
71. Hand holding stage features (Ans: Refer Page ; 253 in text book)
72. The account of NPA with dues of Rs 2.00 lacs, who will finalize the viability (Ans: Branch manager)
73. Viability criteria (Ans: Refer Page ; 256 in text book)
74. Primary purpose of secured creditors with NPA asset is (Ans; To sell off for the purpose of loan)
75. The 13(2) notice to be given as per SARFAESIA for how many days (Ans: 60 days )
76. Asset Reconstruction companies are registered with (Ans: RBI)
77. The reason for the existence of MFI (Ans: Refer Page ; 273 in text book)
78. Multiple lending and over indebtedness of MFI (Ans: Refer Page ; 276 in text book)
79. Primary Objectives of Mudra Bank (Ans: Refer Page ; 279 in text book)
80. Primary security & Collateral security features
81. Customer DNA means
82. Insolvency & Bankruptcy difference between two
83. Features of Bank’s Board Bureau
84. Impact of WTO agreements in domestic industry (Ans: Refer Page ; 305 in text book)
85. Which sector among the given option is contributing to exports (Ans: Textile)
86. Calculation of Plant & machineries value from given options (Ans: Not to include Jigs, generator sets etc)
87. Which among the following is not a participant of importance/much role in an LC? (Ans: Beneficiaries’ Bank)
88. Explanation of LC, which among the given options is correct
89. Which among is pre shipment finance?
90. Which among the following is not correct for loan sanction in MSME segment (Ans: Compulsory to give collateral free loan till 100 lacs)
1. MSME represent ------- policies of Government of India which emphasized to use foreign exchange for imports etc (Ans: Socio Economic)
2. Objectives of MSME identification which among is not an objective (Page 4 of Text Book)
3. Limitations of MSME. Identify which among is correct (Page 4 of Text Book)
4. The MSME is made important subject in development in (Ans: Worldwide including countries like USA, Japan)
5. The classification of industries is based on different factors. Which among the following is wrong (Ans: Loan Amount)
6. Explanation of export oriented Unit (Ans: Industry that undertakes to export 30% of annual production at the end of third year)
7. Which among the following is not falls in Small Business (Ans: Wholesale Trade)
8. For the transport operator is categorized as MSE, if total vehicle owned does not exceed (Ans: 10)
9. The de reservation of items as per Sec 29 B of Industries act 1951. Find out wrong features (Page 10 of Text Book)
10. Micro Enterprises Manufacturing & service investment criteria (Ans. 25 Lacs & 10 lacs)
11. Which among the following is the example of indirect finance (Ans: MFI lending to co-operatives of producers)
12. Which among the following is not a feature of Sole Proprietary firm (Ans: Income is distinguished for taxation)
13. Mr. Ram a minor turned major on 01.02.2016, who was admitted to a partnership firm during his minority. What is the maximum time before which he can repudiate his liability (Ans: 6 months from date )
14. Which among the following is not a feature of partnership firm (Ans: A partnership firm can be a partner in another firm)
15. Which among the following is a feature of partnership firm (Ans: A partnership firm not require compulsory registration of deed)
16. The usage of common seal is explained in which document. (Ans: Articles of Association)
17. Maximum number of share holders in Private Limited Company is (Ans: 200)
18. Which among the following is not a feature of Public Limited Company (Ans: The shares are freely not transferrable)
19. For getting environmental clearance for the setting up of an enterprises one must (Ans: Obtain clearance from the pollution board)
20. If the ownership of any enterprise is individually or jointly hold by women above 51%, the same is termed as (Ans: Woman Enterprises)
21. The gender discrimination in Market is by (Ans: Differential wage for the same work)
22. Which among the following is not a classification of categories of Women Entrepreneurs (Ans: Literate and illiterate women)
23. Exclusive scheme to provide equity support to women entrepreneurs (Ans: Mahila Udhyam Nidhi)
24. Which among the following is not a supportive measures for Women’s economic activities (Ans: Refer Page ; 24 in text book)
25. MSME DO is earlier known as (Ans; Small industries Development Organization)
26. The development of MSME is a (Ans: State Subject )
27. An industrial undertaking, a company with interests in industry can invest up to _____ in a MSE unit (Ans; 24%)
28. Similarity features identification between LLP & a Private Limited Company (Ans: Refer Page ; 45 in text book)
29. TReDS full form (Ans: Trade Receivables Discounting system )
30. Which among the features pertains to Priority Sector Lending Certificates
31. CERSAI is formed as per the (Ans: SARFAESIA act of 2002)
32. Calculation for maximum CGTMSE coverage available for unit with Rs 30.00 Lacs fund based & 15 Lacs non fund based limit.
33. The current liability is 50000. The current ratio is 2.5. calculate Current asset
34. The CLSS scheme gives subsidy of ( 15% or 0.15)
35. Which among the given option is not a rating agency (Ans; NSIC)
36. Which among the following is give overall guidelines of SIDO (Ans; Directorate of industries)
37. Features of HUDCO. Select the one wrongly explained (Ans: Refer Page ; 61 in text book)
38. Activities of TCO. Which among is correct combination (Ans: Refer Page ; 62 in text book)
39. Which among the following is features of KVIC (Ans: Refer Page ; 63 in text book)
40. The credit limit up to 5 Lacs to be disposed in maximum of (Ans; 2 Weeks)
41. Which among the following is wrongly stated regarding the functions of SIDBI (Ans: Refer Page ; 70 in text book)
42. Major problems faced by MSME in the given option (Ans: Refer Page ; 92 in text book)
43. Which among the following is not a feature for commercial banks or promoting the MSE advance portfolio (Ans: Low NPA)
44. Identify which are the following is bill financing
45. Which among the following is example of post shipment finance (Ans: Refer Page ; 109 in text book)
46. RED Clause LC Feature (Ans: Refer Page ; 111 in text book)
47. Specialized MSME branch (Ans: if advance is 60% MSE portfolio)
48. BCSBI guidelines for MSE regarding acknowledgement of application & issuance of rejection letter with reason
49. Which among the given option is not associated with 5 Cs of the borrower (Ans: CIBIL score )
50. Identify and add the total assets from the given balance sheet component
51. What is the implication and effect in increase of Sundry Debtors or creditors (Ans; Refer Page ; 124 in text book)
52. Maximum Limit of loan that can be sanctioned under Turnover method (Ans: Rs 500.00 Lacs)
53. Factors affecting/determine the working capital limit (Ans: Refer Page ; 138 in text book)
54. Calculation using II method of lending (Ans; Refer Page ; 143 in text book)
55. Overview of Risk features , by way of match the following (Ans: Refer Page ; 145 in text book)
56. Features and requirement of credit rating (Ans: Refer Page ; 148 in text book)
57. Economic benefits of MSME. Identify the features (Ans: Refer Page ; 165 in text book)
58. The common parlance and practices of BDS is (Ans: Operational)
59. Identify the support by BDS (Ans: Refer Page ; 170 in text book)
60. Nature of deficiencies and remedial measures in cluster development (Ans; Refer Page ; 198 in text book)
61. Growth phase of MSE cluster features
62. Role of CDE in the cluster (Ans; Refer Page ; 209 in text book)
63. Why agricultural land is not taken as collateral security for securing the loan
64. Delayed payment of the bill raised by the MSE entrepreneur is compensated by (Ans: 3 times of bank rate announced by RBI)
65. RBI definition of Sick unit
66. Identify which among the following is external cause of sickness (Ans: Power Shortage)
67. When long term source is used for short term uses, the same is amounts to (Ans; Diversion of funds)
68. Feature of an enterprises tending towards sickness (Ans: Refer Page ; 242 in text book)
69. Symptoms of incipient sickness in activity (Ans; Refer Page ; 243 in text book)
70. Explanation of SICK GREY AREA
71. Hand holding stage features (Ans: Refer Page ; 253 in text book)
72. The account of NPA with dues of Rs 2.00 lacs, who will finalize the viability (Ans: Branch manager)
73. Viability criteria (Ans: Refer Page ; 256 in text book)
74. Primary purpose of secured creditors with NPA asset is (Ans; To sell off for the purpose of loan)
75. The 13(2) notice to be given as per SARFAESIA for how many days (Ans: 60 days )
76. Asset Reconstruction companies are registered with (Ans: RBI)
77. The reason for the existence of MFI (Ans: Refer Page ; 273 in text book)
78. Multiple lending and over indebtedness of MFI (Ans: Refer Page ; 276 in text book)
79. Primary Objectives of Mudra Bank (Ans: Refer Page ; 279 in text book)
80. Primary security & Collateral security features
81. Customer DNA means
82. Insolvency & Bankruptcy difference between two
83. Features of Bank’s Board Bureau
84. Impact of WTO agreements in domestic industry (Ans: Refer Page ; 305 in text book)
85. Which sector among the given option is contributing to exports (Ans: Textile)
86. Calculation of Plant & machineries value from given options (Ans: Not to include Jigs, generator sets etc)
87. Which among the following is not a participant of importance/much role in an LC? (Ans: Beneficiaries’ Bank)
88. Explanation of LC, which among the given options is correct
89. Which among is pre shipment finance?
90. Which among the following is not correct for loan sanction in MSME segment (Ans: Compulsory to give collateral free loan till 100 lacs)
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