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TOTAL QUESTION: 20
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Your results are here!! for" PNB Gold Loan – Agriculture & Non-Agriculture "
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Question 1 of 20
1. Question
What is the purpose of the PNB Non-Agri (Retail) Gold Loan?
Correct
It is granted against gold jewellery/ornaments for personal needs and non-agricultural purposes such as medical, educational, marriage and unforeseen expenses.
Incorrect
It is granted against gold jewellery/ornaments for personal needs and non-agricultural purposes such as medical, educational, marriage and unforeseen expenses.
Unattempted
It is granted against gold jewellery/ornaments for personal needs and non-agricultural purposes such as medical, educational, marriage and unforeseen expenses.
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Question 2 of 20
2. Question
Which of the following is a permitted purpose under PNB Swarnim (Agri. Gold Loan)?
Correct
PNB Swarnim is meant for short-term production/investment credit for crop production and allied agricultural activities, among other permitted agriculture purposes.
Incorrect
PNB Swarnim is meant for short-term production/investment credit for crop production and allied agricultural activities, among other permitted agriculture purposes.
Unattempted
PNB Swarnim is meant for short-term production/investment credit for crop production and allied agricultural activities, among other permitted agriculture purposes.
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Question 3 of 20
3. Question
Who is eligible for the Non-Agri (Retail) Gold Loan?
Correct
The Non-Agri (Retail) Gold Loan is available to an individual person resident of India.
Incorrect
The Non-Agri (Retail) Gold Loan is available to an individual person resident of India.
Unattempted
The Non-Agri (Retail) Gold Loan is available to an individual person resident of India.
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Question 4 of 20
4. Question
Which of the following persons is eligible for PNB Swarnim (Agri. Gold Loan)?
Correct
PNB Swarnim is available to all farmers and individuals/agri. entrepreneurs including tenant farmers, oral lessees and sharecroppers, subject to the stated conditions.
Incorrect
PNB Swarnim is available to all farmers and individuals/agri. entrepreneurs including tenant farmers, oral lessees and sharecroppers, subject to the stated conditions.
Unattempted
PNB Swarnim is available to all farmers and individuals/agri. entrepreneurs including tenant farmers, oral lessees and sharecroppers, subject to the stated conditions.
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Question 5 of 20
5. Question
What is the minimum loan amount under the Non-Agri (Retail) Gold Loan?
Correct
The minimum amount of loan under the Non-Agri (Retail) Gold Loan is Rs. 0.25 lakh, i.e. Rs. 25,000.
Incorrect
The minimum amount of loan under the Non-Agri (Retail) Gold Loan is Rs. 0.25 lakh, i.e. Rs. 25,000.
Unattempted
The minimum amount of loan under the Non-Agri (Retail) Gold Loan is Rs. 0.25 lakh, i.e. Rs. 25,000.
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Question 6 of 20
6. Question
What is the minimum loan amount under PNB Swarnim (Agri. Gold Loan)?
Correct
The minimum loan amount under PNB Swarnim is Rs. 10,000.
Incorrect
The minimum loan amount under PNB Swarnim is Rs. 10,000.
Unattempted
The minimum loan amount under PNB Swarnim is Rs. 10,000.
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Question 7 of 20
7. Question
What is the maximum loan amount under both the Non-Agri (Retail) Gold Loan and PNB Swarnim?
Correct
Both variants specify a maximum loan amount of Rs. 25.00 lakh.
Incorrect
Both variants specify a maximum loan amount of Rs. 25.00 lakh.
Unattempted
Both variants specify a maximum loan amount of Rs. 25.00 lakh.
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Question 8 of 20
8. Question
What is the maximum repayment period for the Non-Agri Demand Loan with Bullet Repayment?
Correct
The Demand Loan with Bullet Repayment under the Non-Agri variant has a maximum tenor of 12 months.
Incorrect
The Demand Loan with Bullet Repayment under the Non-Agri variant has a maximum tenor of 12 months.
Unattempted
The Demand Loan with Bullet Repayment under the Non-Agri variant has a maximum tenor of 12 months.
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Question 9 of 20
9. Question
What is the maximum repayment period for an EMI-based Demand Loan under the Non-Agri Gold Loan?
Correct
The EMI-based Demand Loan under the Non-Agri variant has a maximum repayment period of 36 months.
Incorrect
The EMI-based Demand Loan under the Non-Agri variant has a maximum repayment period of 36 months.
Unattempted
The EMI-based Demand Loan under the Non-Agri variant has a maximum repayment period of 36 months.
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Question 10 of 20
10. Question
For how long is the Non-Agri Gold Loan overdraft facility sanctioned, subject to annual review?
Correct
The overdraft facility is sanctioned for a period of 12 months, subject to annual review.
Incorrect
The overdraft facility is sanctioned for a period of 12 months, subject to annual review.
Unattempted
The overdraft facility is sanctioned for a period of 12 months, subject to annual review.
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Question 11 of 20
11. Question
What is the security for the Non-Agri (Retail) Gold Loan?
Correct
The security is a pledge of gold jewellery/ornaments.
Incorrect
The security is a pledge of gold jewellery/ornaments.
Unattempted
The security is a pledge of gold jewellery/ornaments.
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Question 12 of 20
12. Question
Which form of gold can be pledged as security under PNB Swarnim, subject to the scheme conditions?
Correct
PNB Swarnim permits pledge of gold jewellery, ornaments and coins. Loans are not sanctioned against bullion or primary/smuggled gold.
Incorrect
PNB Swarnim permits pledge of gold jewellery, ornaments and coins. Loans are not sanctioned against bullion or primary/smuggled gold.
Unattempted
PNB Swarnim permits pledge of gold jewellery, ornaments and coins. Loans are not sanctioned against bullion or primary/smuggled gold.
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Question 13 of 20
13. Question
What is the margin for the Demand Loan-Bullet variant under the Non-Agri (Retail) Gold Loan?
Correct
The margin for the Demand Loan-Bullet variant is 32%.
Incorrect
The margin for the Demand Loan-Bullet variant is 32%.
Unattempted
The margin for the Demand Loan-Bullet variant is 32%.
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Question 14 of 20
14. Question
What is the margin for the Term Loan/EMI variant under the Non-Agri (Retail) Gold Loan?
Correct
The margin for the TL-EMI variant is 28%.
Incorrect
The margin for the TL-EMI variant is 28%.
Unattempted
The margin for the TL-EMI variant is 28%.
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Question 15 of 20
15. Question
What is the margin under PNB Swarnim (Agri. Gold Loan)?
Correct
PNB Swarnim specifies a margin of 15%.
Incorrect
PNB Swarnim specifies a margin of 15%.
Unattempted
PNB Swarnim specifies a margin of 15%.
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Question 16 of 20
16. Question
What is the rate of interest for PNB Swarnim up to Rs. 2.5 lakh?
Correct
For PNB Swarnim, the rate up to Rs. 2.5 lakh is RLLR + 0.50%.
Incorrect
For PNB Swarnim, the rate up to Rs. 2.5 lakh is RLLR + 0.50%.
Unattempted
For PNB Swarnim, the rate up to Rs. 2.5 lakh is RLLR + 0.50%.
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Question 17 of 20
17. Question
What is the rate of interest for Non-Agri (Retail) Gold Loan up to Rs. 10 lakh?
Correct
For the Non-Agri (Retail) Gold Loan, the rate up to Rs. 10 lakh is RLLR + 0.85%.
Incorrect
For the Non-Agri (Retail) Gold Loan, the rate up to Rs. 10 lakh is RLLR + 0.85%.
Unattempted
For the Non-Agri (Retail) Gold Loan, the rate up to Rs. 10 lakh is RLLR + 0.85%.
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Question 18 of 20
18. Question
What is the upfront fee for PNB Swarnim loans up to Rs. 50,000?
Correct
The upfront fee for PNB Swarnim loans up to Rs. 50,000 is NIL.
Incorrect
The upfront fee for PNB Swarnim loans up to Rs. 50,000 is NIL.
Unattempted
The upfront fee for PNB Swarnim loans up to Rs. 50,000 is NIL.
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Question 19 of 20
19. Question
How is the loan proceeds disbursed under PNB Swarnim (Agri. Gold Loan)?
Correct
There is no cash disbursement. The proceeds are credited to the borrower‘s Saving Account, KCC account or saving account with another bank.
Incorrect
There is no cash disbursement. The proceeds are credited to the borrower‘s Saving Account, KCC account or saving account with another bank.
Unattempted
There is no cash disbursement. The proceeds are credited to the borrower‘s Saving Account, KCC account or saving account with another bank.
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Question 20 of 20
20. Question
Which of the following is NOT listed as a method for determining the net weight/purity of gold?
Correct
The listed methods are Touch Stone, Nitric Acid Test and Specific Gravity. Electronic weighing is not listed in the provided material as a method for determining net weight/purity.
Incorrect
The listed methods are Touch Stone, Nitric Acid Test and Specific Gravity. Electronic weighing is not listed in the provided material as a method for determining net weight/purity.
Unattempted
The listed methods are Touch Stone, Nitric Acid Test and Specific Gravity. Electronic weighing is not listed in the provided material as a method for determining net weight/purity.