JAIIB Exam 2025 – PPB Important Questions MCQs Quiz-23

04/03/2025

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JAIIB Exam 2025 PPB Important Questions MCQs Quiz-23

JAIIB Exam Quiz 2025: The JAIIB exam is scheduled for 2025 by IIBF. Here, we are providing JAIIB PPB MCQ-based quizzes on a regular basis. You can attempt the quizzes regularly to prepare for the upcoming JAIIB exam. The quizzes will be provided module-wise and unit-wise. You can attempt the JAIIB PPB quizzes from the links below and improve your preparation by practicing regularly. These quizzes will help you boost your score in the JAIIB exam and guide you to clear the exam on your first attempt.

1. Who determines the MCLR?
(a) Ministry of finance
(b) RBI
(c) Banks themselves
(d) NABARD

2. RBI has not prescribed prudential ceiling for exposure of banks to ______________.
(a) vehicle loan
(b) NBFCs
(c) capital market
(d) real estate

3. In case of vehicle loan, maximum permissible LTV ratio is ______ of ‘on road price’ of the car for upto Rs. 10 lacs and Maximum permissible LTV ratio is ____ of ‘on road price’ of the car for above Rs. 10 lacs.
a) 80%, 80%
b) 85%, 80%
c) 80%, 85%
d) 75%, 80%

4. No security must be insisted upon for Education loans under model Education Loan Scheme upto ___
a) Rs. 4 lakhs
b) Rs. 6 lakhs
c) Rs. 7.5 lakhs
d) Rs. 10 lakhs

5. The MCLR shall comprise of:
(a) Marginal cost of funds
(b) Negative carry-on account of CRR
(c) Operating costs
(d) All of the above

6. Banks are required to publish at least five MCLRs. Which is not mandatory under it?
a) Overnight MCLR
b) Three-month MCLR
c) Six-month MCLR
d) Two-years MCLR

7. The sum of all the exposure values of a bank to a single counterparty must not be higher than ____of the bank’s Tier 1 capital.
a) 10%
b) 20%
c) 25%
d) 30%

8. Banks have to provide credit information to CRILC about their borrowers with an aggregate fund-based and non-fund-based exposure of and over ______.
(a) Rs.1 Crore
(b) Rs.5 Crores
(c) Rs.10 Crores
(d) Rs.20 Crores

9. A ________ charge is a charge on some specific assets in favour of the bank while _______ charge is an equitable charge on the assets, present as well as future.
a) Fixed, Floating
b) Current, Term
c) Floating, Fixed
d) Moveable, Immoveable

10. The branch should obtain the which documents along with the application in case of vehicle loan?
a) Audited financial statements for 3 years in case of firms/companies.
b) Income tax returns for last 3 years
c) Copies of invoices from the authorised dealers of the vehicle to be purchased.
d) Statement of operative bank account for last one year
e) All of the above