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VSL Against Own Deposits

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35 views25 pages

VSL Against Own Deposits

Uploaded by

kishore300498_228172
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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1:- Which of the following is not the feature of

Canara Insta Deposit Loan?

Margin - 25%
Loan documents are to be executed in the branch
O Nodocumentation is required
Would be given against FDR/KDRs only
2:- Which of the following is not one of the
documents to be executed for employee loan
against deposit?
NE 969
NF 472
NE 736
NE 887
O NE972
minimum period of time lag
3:- What is the
required from the date of granting the previous
loan and considering afresh loan?
1month
O 45 days

O 3nonths
of the following cases can a person
4:- in which
against deposit in a branch other
apply for loan
than the deposit branch?

Such ioan cannot be given


given provided the Deposit is transterred
Loan can be
tothe advancing branch
with any
Loan carn be giver even if the deposit is lying
of the braches
with the
Loan cari only be givenif the deposit is lyng
depusn branch aid heldas pie secunly onty
5:- Which of the form is to be taken along with
NF 969 in case the loan isgiven against third
party deposit taken as çollateral security?
NF472
NF461
O NF460
NF887
O NF972
6:- Which type of charge is used in case of loans
and advances against bank deposits?
EMT

Simpie Mortgage
Hypothecation
Piedge
7:- Apportionment of limit cannot be permitted
in case of bulk deposits by whichof the
authorities?

in case of VLB/ELB: CM/AGM can permit


O in case of small branches: DMAGMof the Concemed

O in case of large branches: Senjor Manager KOredit)


in case of Medurn brariches: DM/AGM of the
8:- What margin can be permitted by Branch in
charge in case of VSL against own deposits?
5 percent
10 percent
O 15percent
O 20 percent
O 30 percent
9:- Additional loan against already encumbered
deposit can be given by taking the loan
document:

ONF 372
O NE 969
NI 472
Ni /18/719
NI 471
10:- The advance against deposit standingin the
name of minor can be granted

O for purchase of house


for purchase of jewellery
for necessities the minor actually need
O no loan can be granted
11:-If the margin is not maintained, the branch
may liquidate the liability by premature closure
of deposit

After appropriate notice to the


borrower
Wthoutany information to
After perrnission from RO Depositor
OAfter Head
permisson from DGM of the CHcle
12:- What shall be the tenability of OD against
term deposit?

12 morithsfros the date of sanction


Dependng upon isk raling
O As pet
Custormers equest
p1othe date of maturity of Term Deposit
13:-Ifadvance
a is given against deposit standing
n the name of minor the declaratson for the
same is taken in which of the following forms?
O NE 969
14:- Which of the followingis the correct set of
applications to be taken for loans against third
party term deposits?
NE969, NF472, NF480, Deposit receipt
O NF969 NF887, NF480, eposit receipt
O NF969, NF887, NF481, Deposit receipt
NE969, NF472, NE481, Ceposit eceipt
15:- If the Deposit is closed before maturity the
rate of interest charged will be
Ciean rate of interest
2% over the contracted rate of interest
2% over the interest actually paid
4% over the interest actsally paid
12, the antete:säctualy paid
concession on VSL may be granted
16:-Interest
by RO/Circle head asthe case may be up to

05 percoent
0 25 peroent
1percent
15 percent
No Concession can be
gven
17:- Application for loan against Third party
deposit is

O NF 969
N 887

O NI 991
O NE 972
18:- Our bank employee is having an FDR of Rs.
3.00 Lakhs. He wantsto avail VSL to the
maximum permissible amount. What will be the
margin for this loan?

O Rs 30,000/
Rs 15,000/
Rs 45,000/
O Rs 60,000/
ks 75,000/
19:- Which of the following are ineligible forms
of deposits for VSL through alternate banking
channels?

Recuring Deposits
NRE Deposits
Tax Saver Deposits
Thiró Party deposits
O SE Deposit
20:-The BO report for VSL discrepancy report
for ensuring margin is available is
290049
280049
180049
O 270049
O 140049
21:- In ase of loans/advances against deposits
in joint nanes in which of the following forms
thesurvivorship clause is incorporated?
NF 969
O NF 108
NF 721
NF 481
O NE 887
22:- Whichof.the followingis not arelevant loan
document in case of Overdrafts against Bank
deposits?

CA openung form
O Constitution letter
O NE 969
O t 372
23:- In which of the following cases loans/

advancescan be granted against deposit to


employees?
in the joint name with spouse
a Where the deposit is

in case f third partydeposits


b.
recepts of other bariksinthe name
OcWhere deposit
submitted
of our employee are
dOption a, b andc
O Noneof theabove
24:- What is the maximum quantum of loan
permitted for VSL against bank deposit through
alternate banking channels?
O Rs 10.00 Lakhs
75% of the autstarnding baiance of KDR/75% of
prncipal baiance of FDR
Option 1or 2 whachever is lower
Option 1or 2whicthever is higher
25:- VSL against deposit cannot be granted to
which categoryof customers mentioned below ?
O Where deposits of our bank branch is available
O Where deposits of other bank is available
Where deposit is in the name of illiterate joiptly with
literate
Where deposit is in joint name

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