Agricultural Finance & Co-operation

1. Establishment of year RRB is --------------------.

a) 1972 b) 1975 c) 1982 d) 1918

2. According to which Committee’s recommendation RRB was established?

a) Narsimham b) Nariman c) V.N. Rao d) None of above

3. Capital structure of RRB is ----------

a) 50: 15: 35 b) 45:40:15 c) 50: 0: 50 d) 50 : 50

4. ----------- is the example of non- institutional source of credit.

a) Landlord b) Money lender

c) Traders & commission agent d) All of above

5. Government is ------------ source of credit.

a) Institutional b) Non- institutional

c) both a & b d) None of above

6. Government advance loans directly to the farmer in case of emergency is

known as ---------------------Loan.

a) Taccavi b) short term c) long term d) none of above

7. Which of the following as included in co-operative banks.

a) PACS b) DCCB d) SCB d) All of above

8. Balance sheet is also known as ---------------------------.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

9. Straight-end repayment plan is also called as------------.

 a) Balloon repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

10. Balloon repayment plan is also called as ----------------.

a) Partial repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

11. Entire loan amount is to be cleared off after expiry of loan period.

a) Straight- end repayment plan b) Lumpsum repayment plan

c) single repayment plan d)All of above

12. ---------------- means repayment of the entire loan amount in a series of

installments.

a) Repayment b) Amortization c) Lumpsum d) None of above

13. Repayment of loan will be done partially over the years is called as-------------.

a) Partial repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

14. In case of Amortized decreasing repayment plan principal component -----------

over the entire repayment period.

a) Increases b) Decreases c) Constant d) None of above

15. In case of Amortized decreasing repayment plan interest component -----------

over the entire repayment period.

a) Increases b) Decreases c) Constant d) None of above

16. For machinery and equipment which repayment plan is used?

a) Amortized even repayment plan b) Partial repayment plan

c) Amortized decreasing repayment plan d) None of above

17. Annual installment over the entire loan period remains same in case of ---------

a) Amortized Even repayment plan b) Partial repayment plan

c) Amortized decreasing repayment plan d) None of above

18. Amortized Even repayment plan is adopted for loans granted for --------------.

a) Farm development b) digging of wells

c) Construction of godowns d) all of above

19. Various levels of installments are paid by the borrower over a loan period is
called as--------------------- repayment plan.

a) Variable b) optional c) future d) none of above

20. In the areas where there is variability in farm income --------------- type of
repayment plan used.

a) Variable b) optional c) future d) none of above

21. In case of -------------------- repayment plan farmers make the advance

payments of loan from the savings of previous year.

a) Variable b) optional c) future d) none of above

22. Which of the following is/are the types of commercial bank?

a) Public sector b) Private Sector c) Foreign bank d) all of above

23. Accepting deposits and grant of loan and advances are the -------------------
functions of commercial bank.

a) Secondary b) Primary c) Supporting d) none of above

24. Issuing of letter of credit is the -----------------function of commercial bank.

a) Secondary b) Primary c) Supporting d) none of above

25. Example of Public sector bank ------------------.

 a) SBI b) Bank of Baroda c) Dena bank d) All of above

26. Example of Private sector bank ------------------.

a) Yes bank b) Axis Bank c) HDFC d) All of above

27. Example of Foreign bank ------------------.

a) Citi bank b) America Express bank

c)Standard & Chartered bank d) all of above

28. Establishment year of NABARD -------------

a) July 1982 b) Aug. 1975 c) Sept 1968 d) Jan 1956

29. NABARD provides credit directly to the farmer. (True or False)

a) True b) False

30. Apex bank in three tier structure of co-operative bank is--------------------.

a) DCCB b) SCB c) PACS d) All of above

31. ------------------- is the connecting link between SCB & PACS.

a) DCCB b) PLDB c) CLDB d) All of above

32. Through three tier structure of co-operative credit ------------- type of loan is
provided.

a) Long term b) Short term c)Both a&b d) None of above

33.Through two tier structure of co-operative credit ------------- type of loan is

provided.

a) Long term b) Short term c)Both a&b d) None of above

34. Self-help groups are also known as--------------

a) Support group b) Mutual help c) both a & b d) none of above

35. ----------------means the protecting farmers against the variation in yield
resulting from uncertainty of all natural factors beyond their control.

a) Remuneration b) Crop Insurance c) Health insurance d) none of above

36. KCC(Kisan Credit Card) scheme was introduced in ---------------

a) 1991 b) 1998 c) 1985 d) 1975

37. KCC Scheme is implemented by ---------

a) Commercial bank b) RRBs c) Co-operatives d)All of above

38. Which of the following is/are the benefit of KCC-------------

a) Simple procedure b) Assured availability of credit

c) No need to apply for every crop d) All of Above

39. Establishment of FSS------------

a) 1971 b) 1986 c) 1975 d) 1956

40. Area of operation if FSS is -------------& -------------------- district.

a) SFDA b) MFAL c) Both a& b d) None of above

41. Establishment of NCDFI was --------------

a) 1970 b) 1975 c) 1985 d) 1982

42. Head office of NCDFI is at -------------.

a) Faridabad b) New Delhi c) Mumbai d) None of above

43.Loan granted by the bank is-------------- % of initial capital investment.

a) 75 b) 25 c) 50 d) 30

44. ---------------- are the things which are owned by the farmer.

a) Liabilities b) Assets c) Equity d) None of Above

45. ------------------- is a statement which shows the financial position of farm
business at a particular time period.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

46. Which of the following is/are the components of balance sheet-

a) Assets b) Liabilities c) Equity d) All of above

47. All things, which are owned to others by the farmers is known as ----------------.

a) Assets b) Liabilities c) Equity d) All of above

48. Which of the following are/ is the type of assets-

a) Current b) intermediate/ Working

c) long term d) All of above

49. ------------- is the difference between total assets & total liabilities.

a) Assets b) Liabilities c) Equity d) All of above

50. If Liabilities are more than Assets then it is called as---------------.

a) Net Deficit b) Net worth c) Both a&b d) None of above

51. If Assets are more than Liabilities then it is called as ----------------.

a) Net Deficit b) Net worth c) Both a&b d) None of above

52. Assets are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

53. Liabilities are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

54. -------------------------- =
 a) Current ratio b) intermediate ratio

c) net capital ratio d) none of above

55. Which of the formula used to calculate debt- equity ratio.

a) b)

c) d) None of above

56. Income statement is also called as---------------------.

a) Net worth statement b) Profit & loss statement
c) cash flow statement d) None of above

57. Which is/ are the components of Income Statement-

a) Receipt b)Expenses c) Net income d)All of above

58. -------------------=

a) Capital Turnover Ratio b) Gross ratio

c) Fixed ratio d) none of above
59. Cash flow statement is also called as-----------.
a) Cash flow summery b) Cash flow budget
c) Flow of fund statement d) All of above
60. -------------- is the summery of cash inflows & cash outflows of the business
organization I a particular period.
a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Both b & c

61. Cash flow statement is prepared at-------------------------.

a) End of Agricultural year b) Beginning of agricultural year

 c) both a& b d) None of above

62. Which of the following is/ are the method of undiscounted measures of
project appraisal?

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) All of above

63. According to ------------------method project with longer duration is preferred

one with shorter duration.

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) Average income on book value

64. ----------------- is the length of time required to get back initial investment on
the project.

a) Repayment period b) Pay back period

c) Gestation period d) None of Above

65. The preference of a project is based on the -------------------- payback period.

a) Higher b) lesser c)Both a& b d) None of above

66. ---------------- is work out by dividing the total proceeds with total amount of
investment.

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) Average income on book value

67. Which of the following is/ are the method of discounted measures of project
appraisal.

a) NPW b) BCR c) IRR d) All of above

68. Time value of money is considered in which of the following method?

 a) Undiscounted b) discounted c) Both a& b d) None of above

69. The difference between the present worth of benefit less the present worth of
cost is called as-------------.

a) NPW b) BCR c) IRR d) All of above

70. Selection criteria on the basis of NPW if NPW is --------------------then project is

economically feasible & accepted.

a) Positive b) Negative c) indifferent d) None of above

71. ------------- provide the knowledge of actual rate of return from the project.

a) NPW b) BCR c) IRR d) None of above

72. IRR is that discount rate at which NPW = -----------------.

a) One b) Zero c) Less than one d) greater than one

73. IRR is also called as-------------------.

a) Marginal Efficiency of Capital b) Yield on the investment

c) Both a & b d) None of above

74. ---------------- is the ratio of present worth of benefit to the present worth of
cost.

a) NPW b) IRR c) BCR d) All of above

75. Selection criteria on the basis of BCR, project is financially feasible and
accepted if BCR=-------------.

a) Less than one b) Greater than one c) equal to one d) none of above

76. ------------ is the ratio of net present value of the cash flow to the initial capital
expenditure.

a) NPW b) IRR c) BCR d) Profitability index

Q.1 The word credit is derived from Latin word-------------------which means I believe.
a) Credi b) Cred c) Credo d) none of above

Q.2 ------------------generally means studying, examining and analyzing the financial aspects
pertaining to farm business, which is the core sector of India.
a) Agricultural Economics b) Agricultural Finance
c) Agricultural Marketing d) None of above

Q.3 --------------finance deals with different sources of raising funds for agriculture as a whole in the
economy.
a) Macro b) Micro c) Agricultural d) Farm

Q.4 -------------finance is related to financing of agriculture at aggregate level.

a) Macro b) Micro c) Agricultural d) Farm

Q.5 Micro-finance refers to financial management of the individual farm business units.
a) Micro b) Macro c) Agricultural d) Farm
Q.6 --------------- is concerned with the lending procedure, rules, regulations, monitoring and
controlling of different agricultural credit institutions.
a) Micro- finance b) Macro- finance
c) Agricultural- finance d) Farm- finance
Q.7 ---------------is concerned with the study as to how the individual farmer considers various
sources of credit, quantum of credit to be borrowed from each source and how he allocates
the same among the alternative uses with in the farm.
a) Micro- finance b) Macro- finance
c) Agricultural- finance d) Farm- finance
Q.8 Credit is other wise called as-------------.
a) Assets b) loan c) lending d) none of above

Q.9 -------------- is the “temporary transfer of asset from one who has to other who has not”
a) Credit b) Assets c) Equity d) None of above

Q.10-------------- loans are to be repaid within a period of 6 to 18 months.

a) Long term b) Medium term c) Short term d)Term loan

Q.11 -------------------type of loan repayment period varies from 18 months to 5 years.

a) Long term b) Medium term c) Short term d)Term loan

Q.13 Long term Loan + medium terms loans called ----------------.

a) Investment loans or term loans b) Long term loan

c) medium term loan d) none of above

Q.14 Repayment period of medium term loan varies from ---------------.

a) 18months to 5years b) 6 to 18 months

c) 5 to 20 years d) more than 20years

Q.15 Repayment over a long time ranging from 5 years to more than 20 years or even more for -----
------- type of loan.

a) Long term b) Medium term c) Short term d)Term loan.

Q.16 -------------loans are also called as seasonal agricultural operations (SAO) loans or short – term
loans or crop loans.

a) Consumption b) Production c) Marketing d) Investment

Q.17 ----------- loans refer to the credit given to the farmers for crop production and are intended to
increase the production of crops.

a) Consumption b) Production c) Marketing d) Investment

Q.18 These are loans given for purchase of equipment the productivity of which is distributed over
more than one year.

a) Consumption b) Production c) Marketing d) Investment

Q.19 These loans are meant to help the farmers in overcoming the distress sales and to market the
produce in a better way.

a) Consumption b) Production c) Marketing d) Investment

Q.20 Based on the warehouse receipt lending in the form of marketing loans by advancing -----------
- per cent of the value of the produce.

a) 35 b) 25 c) 75 d) 80

Q.21 Any loan advanced for some purpose other than production is broadly categorized as -----------
--------- loan.

a) Consumption b) Production c) Marketing d) Investment

Q.22 -------------- loans are provided for medical expenses, educational needs, and religious
ceremonies.

a) Consumption b) Production c) Marketing d) Investment

Q.23 Loans used for purchase of seeds, pesticides, fertilizers is known as ------------ loan .

a) Long term b) Medium term c) Short term d)Term loan.

Q.24 Loans used for purchasing of livestock, temporary development on land are categorized
under------------------loan.

a) Long term b) Medium term c) Short term d)Term loan.

Q.25 Loans which are used for permanent development on land, digging of well, land leveling are
categorized under --------------------loans

a) Long term b) Medium term c) Short term d) None of above

Q.26 -------------loan generate income immediately and are to be paid with in one year or after the
completion of one crop season.

a) self-liquidating b) partial liquidating

b) complete liquidating d) none of above

Q.27 -----------loans will take some time to generate income and can be repaid in 2-5 years or
more, based on the economic activity for which the loan was taken.

a) Self-liquidating b) Partial liquidating

b)Complete liquidating d) Both b& c

Q.28 Crop loans re categorized under -------------------type of loan.

a) Self-liquidating b) Short term c) Production d) All of above

Q.29 Loans advanced to individuals for different purposes will fall under --------------- category.

a) individual Approach b) area approach

c) DIR approach d) none of above

Q.30 Loans given to the persons falling under given area for specific purpose will be categorized
under--------------------- loan.

a) individual Approach b) area approach

 c) DIR approach d) none of above

Q.30 Under ----------------- approach loans will be given to the weaker sections @ 4 per cent per
annum.

a) individual b) area c) DIR d) none of above

Q.31 Under DIR approach loans will be given to the weaker sections @ -------------- per cent per
annum.

a) 10 b)12 c) 4 d) 7

Q.32 Loans extended to the farmers directly are called ------------- loans.

a) indirect b) direct c) Taccavi d) All of above

Q.33 Loans given to the agro-based firms like fertilizer and pesticide industries which are
indirectly beneficial to the farmers are called-------------------------------------.

a) Indirect b) direct c) Taccavi d) All of above

Q.34 ---------------Loans are directly given by government to the farmer in case of emergency by

a) Indirect b) direct c) Taccavi d) All of above

Q.35 Loans advanced against some security by the borrower are termed as ---------------- loans.

a) Secured b) unsecured c) both of a & b d) none of above

Q.36 Under --------------------type of loan borrower himself stands as the guarantor.

a) Personal security b) collateral security

c) chattle loan d) none of above

Q.37 ---------------- Loan is advanced on the farmer’s promissory note

a) Personal security b) collateral security

c) chattle loan d) none of above

Q.39 The movable properties of the individuals like LIC bonds, fixed deposit bonds, warehouse
receipts, machinery, livestock etc, are offered as security under ------------------ type of
loan.

a) Personal security b) collateral security

c) chattle loan d) none of above

Q.40 ------------------- loan is obtained from pawn-brokers by pledging movable properties such as
jewellery, utensils made of various metals, etc.

a) Personal security b) collateral security

c) chattle loan d) none of above

Q.41 In ----------------type of loan immovable properties are presented for security purpose For
example, land, farm buildings, etc.

a) Mortgage b) collateral security

c) Chattel loan d) none of above

Q.42 mortgaged property is ancestrally inherited property of borrower when used as security
purpose then it is called as ---------------------loan.

a) Simple Mortgage b) Equitable Mortgage

c) Both a & b d) none of above

Q.43 The mortgaged property is self-acquired property of the borrower, when used as security
purpose is called as --------------------------loan.

a) Simple Mortgage b) Equitable Mortgage

c) Both a & b d) none of above

Q.44 In case of---------------- loans the farmer borrower has to register his property in the name of
the banking institution as a security for the loan he obtains.

a) Simple Mortgage b) Equitable Mortgage

c) Both a & b d) none of above

Q.45 Which of the following are / is the type of mortgage loan.

a) Simple b) Equitable

c) Both a & b d) Complicated

Q.46 ------------------loans are used in the case of tractor loans, machinery loans etc.

a) Mortgage b) Hypothecation

c) Chattel loan d) none of above

Q.47 The agricultural produce of the farmer - borrower will be kept under the control of lending
institutions and the loan is advanced to the farmer such type of loan is called as---------------
.

a) Key loan b) Open loan c) Mortgage d) None of above

Q.48 The physical possession of the purchased machinery rests with the borrower, but the legal
ownership remains with the lending institution till the loan is repaid such type of loan is
called as--------.

a) Key loan b) Open loan c) Mortgage d) None of above

Q.49 The basis for any credit transaction is trust related with which of the following Cs of credit
.

a) Capital b) Capacity c) Character d) condition

Q.50 Which is synonymous with repayment capacity.

a) Capital b) Capacity c) Character d) condition

Q.51-----------------indicates the availability of money with the farmer - borrower.

a) Capital b) Capacity c) Character d) condition

Q.52 ------------------ is nothing but the ability of the farmer to repay the loan obtained for the
productive purpose with in a stipulated time period as fixed by the lending agency.

a) Repayment capacity b) Risk bearing ability

c) Return from investment d) None of above

Q.53 ---------------- is the ability of the farmer to withstand the risk that arises due to financial
loss.

a) Repayment capacity b) Risk bearing ability

c) Return from investment d) None of above

Q.54 Establishment of year RRB is --------------------.

a) 1972 b) 1975 c) 1982 d) 1918

Q. 55 According to which Committee’s recommendation RRB was established?

a) Narsimham b) Nariman c) V.N. Rao d) None of above

Q.56 Capital structure of RRB is ----------

 a) 50: 15: 35 b) 45:40:15 c) 50: 0: 50 d) 50 : 50

Q.57 ----------- is the example of non- institutional source of credit.

a) Landlord b) Money lender

c) Traders & commission agent d) All of above

Q.58 Government is ------------ source of credit.

a) Institutional b) Non- institutional

c) both a & b d) None of above

Q.59 Government advance loans directly to the farmer in case of emergency is known as ---------
------------Loan.

a) Taccavi b) short term c) long term d) none of above

Q.60 Which of the following as included in co-operative banks.

a) PACS b) DCCB d) SCB d) All of above

Q.61 Balance sheet is also known as ---------------------------.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

Q.62 ------------------- is a statement which shows the financial position of farm business at a
particular time period.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

Q.63 Which of the following is/are the components of balance sheet-

a) Assets b) Liabilities c) Equity d) All of above

Q. 64 Things which are owned by farmer is called as --------------.

a) Assets b) Liabilities c) Equity d) All of above

Q. 65 All things, which are owned to others by the farmers is known as -----------------.

a) Assets b) Liabilities c) Equity d) All of above

Q.66 Which of the following are/ is the type of assets-

 a) Current b) intermediate/ Working

c) long term d) All of above

Q.67 ------------- is the difference between total assets & total liabilities.

a) Assets b) Liabilities c) Equity d) All of above

Q.68 If Liabilities are more than Assets then it is called as---------------.

a) Net Deficit b) Net worth c) Both a&b d) None of above

Q.69 If Assets are more than Liabilities then it is called as ----------------.

a) Net Deficit b) Net worth c) Both a&b d) None of above

Q.70 Assets are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

Q.71 Liabilities are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

Q.72 -------------------------- =

a) Current ratio b) intermediate ratio

c) Net capital ratio d) none of above

Q.73 Which of the formula used to calculate debt- equity ratio.

a) b)

c) d) None of above

Q.74 Income statement is also called as---------------------.

a) Net worth statement b) Profit & loss statement
c) cash flow statement d) None of above

Q.75 Which is/ are the components of Income Statement-

a) Receipt b)Expenses c) Net income d)All of above

Q.76 -------------------=
 a) Capital Turnover Ratio b) Gross ratio
c) Fixed ratio d) none of above
Q.77 Under single window system cooperative marketing is under -------------tier structure
a) One b) Two c) Three d) Four
Q.78 Loans obtained from pawn brokers by pledging movable property is called as-----------.

a) Term b) Production c) Chattel d) All of above

Q.79 NABARD took over the function of -------

a) ACD b) ARDC c) RPCC d) All of above

Q.80 Single window system of cooperative credit structure was introduced by-

a) Mohan Kanda b) Narasimham

c) Raiffiensen d) Nicholson

Q.81 Apex cooperative credit institution in India for disbursing long term loan is----

a) PLDB b) APCOBARD c) PACS d) CLDB

Q.82 Grass root level cooperative credit institution in India for disbursing long term loan is----

a) PLDB b) APCOBARD c) PACS d) CLDB

Q.83 Which of the following is not higher financing agency

a) IBRD b) RBI c) RRB d) NABARD

Q.84 Which of the following is not constituent of world bank

a) IDA b) ICF c) IMF d) IFC

Q.85 Establishment of LAMPS during

a) 1971 b) 1975 c) 1980 d)1972

Q.86 DIR scheme was proposed by ------------- committee

a) B.K. Hazare b) B.Siva Raman c) Mohan Kanda d) V.L. Mehara.

Q.87 Which of the following is inversely related with repayment capacity

a) Gross income b) Size of holding c) Family Expenses d) All

 Q.88 The adjustment of gross income of farm business to its coefficient of variation in the
project area is called --------

a) Risk bearing ability b) Deflation c) Inflation d) Stagflation

Q.89 Crop insurance provides a means of

a) Reducing risk b) lowering cost c) increasing profit d) increasing working capital

Q.90 ----------------- is the rate at which the banks borrow from RBI.

a) Bank rate b) Reverse repo rate c) Repo rate d) CRR

Q.91 A term which has the same meaning as owner’s equity is

a) Net worth b) Net farm income c) Total assets value d) Total liabilities

Q.92 In crop loan scheme , the scale of finance is fixed taking in to consideration------------

a) Fixed cost b) Variable cost c) Total Cost d) Opportunity cost

Q.93District credit plan is prepared by ----------------------- of the district

a) NABARD b) Lead bank c) Cooperative bank d) Commercial bank

Q.94 Crop insurance scheme was first implemented in ------------------- state

a) Andra Pradesh b) Punjab c) Gujarat d)Assam

Q.95 Comprehensive Crop insurance scheme was came in to existence-----------------

a) 1980 b) 1985 c) 1990 d) 1995

Q.96 World Bank is officially known as --------------------------

a) ADB b) IBRD c) CRAFICARD d) ARDC

Q.97 Which of the following affiliated agency of world bank provides soft loans to the
developing country

a) MIGA b) IMF c) IFC d) IDA

Q.98 One man one vote is the principle of --------------

a) JSC b) cooperation c) Individual business d) None of above

Q.99 First cooperative societies act was passed in ---------------year

a)1904 b) 1901 c) 1919 d) 1947

Q.100 Which of the following period is considered as boom period of cooperation

a) 1904-12 b) 1929-33 c)1920-29 d)1947-53

Q.101 Asian Development bank (ADB) is located in-------

a) India b) USA c) Sri Lanka d) Philippines

Q.102 Land development banks are the part of ---------------

a) Commercial Bank b) Cooperative bank c) RRB d) SBI

Q.103 IBRD, IMF IDA & IFC collectively known as -------------

a) World Bank Group b) WTO c) NABARD d)RBI

 Name the central bank of India
Q.28
SBI RBI RRB PNB
Example of public sector bank ---------------.
Q.29
State Bank of India Punjab National bank Dena bank All of above
 Example of Private sector bank ---------------.
Q.30 Kotak Mahindra
Axis bank ICICI bank All of above
bank
Example of Foreign bank ---------------.
Q.31
Citi bank American Express bank Bank of America All of above
Establishment of RRB during------------------------- year
Q.32
1975 1982 1956 1992
Cooperative banks managed, owned and operated under co-operative society act-----------------
Q.33
1912 1956 1923 1950
Which of the following co-operative bank provides short term &medium term loan
Q.34
SCB DCCB PACS All of above
The ----------------bank provides long term loans through co-operatives
Q.35
CLDB PLDB Both 1&2 None of above
IDBI is the example of ----------- bank
Q.36
Co-operative Commercial Industrial Agricultural
NABARD is the example of ----------- bank
Q.37
Co-operative Commercial Industrial Agricultural
Postal bank is example of ------------ bank
Q.38
Co-oprative Saving Exchange Investment
Establishment of RBI during--------------------
Q.39
1945 1935 1982 1975
Nationalization of RBI during----------------
Q.40
1949 1935 1956 1975
Which of the following is/are the monetary functions of RBI
Q.41 Issue of currency Banker to
Banker to Bank All of Above
notes Government
Head Office of RBI Located at------------------
Q.42
Nagpur Delhi Mumbai Chennai
Which of the following is/are the non- monetary functions of RBI
Q.43 Collection & publication Regulatory & Developmnet
All of above
of data Supervisory &Promotion
Establishment year of NABARD is ------------------
Q.44
1982 1999 1975 1956
Committee responsible for establishment of NABARD was ----------------
Q.45
Narsiham B. ShivRaman Nariman None of above
Apex institution in rural and Agricultural credit is -------------------
Q.46
PACS RBI NABARD SBI
 Accepting deposits and grant of loan and advances are the ------------------- functions of
commercial bank.
Q.47
a) Secondary b) Primary c) Supporting d) none of above
Example of Public sector bank ------------------
Q.48
a) SBI b) Bank of Baroda c) Dena bank d) All of above
Apex bank in three tier structure of co-operative bank is--------------------.
Q.49
a) DCCB b) SCB c) PACS d) All of above
Example of Private sector bank ------------------.
Q.50
a) Yes bank b) Axis Bank c) HDFC d) All of above
Through two tier structure of co-operative credit ------------- type of loan is provided.

Q.51
a) Long term b) Short term c)Both a&b d) None of above

1. Establishment of year RRB is --------------------.

a) 1972 b) 1975 c) 1982 d) 1918

2. According to which Committee’s recommendation RRB was established?

a) Narsimham b) Nariman c) V.N. Rao d) None of above

3. Capital structure of RRB is ----------

a) 50: 15: 35 b) 45:40:15 c) 50: 0: 50 d) 50 : 50

4. ----------- is the example of non- institutional source of credit.

a) Landlord b) Money lender

c) Traders & commission agent d) All of above

5. Government is ------------ source of credit.

a) Institutional b) Non- institutional

c) both a & b d) None of above

6. Government advance loans directly to the farmer in case of emergency is

known as ---------------------Loan.
 a) Taccavi b) short term c) long term d) none of above

7. Which of the following as included in co-operative banks.

a) PACS b) DCCB d) SCB d) All of above

8. Balance sheet is also known as ---------------------------.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

9. Straight-end repayment plan is also called as------------.

a) Balloon repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

10. Balloon repayment plan is also called as ----------------.

a) Partial repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

11. Entire loan amount is to be cleared off after expiry of loan period.

a) Straight- end repayment plan b) Lumpsum repayment plan

c) single repayment plan d)All of above

12. ---------------- means repayment of the entire loan amount in a series of

installments.

a) Repayment b) Amortization c) Lumpsum d) None of above

13. Repayment of loan will be done partially over the years is called as-------------.

a) Partial repayment plan b) Lumpsum repayment plan

c) Future repayment plan d) None of above

14. In case of Amortized decreasing repayment plan principal component -----------
over the entire repayment period.

a) Increases b) Decreases c) Constant d) None of above

15. In case of Amortized decreasing repayment plan interest component -----------

over the entire repayment period.

a) Increases b) Decreases c) Constant d) None of above

16. For machinery and equipment which repayment plan is used?

a) Amortized even repayment plan b) Partial repayment plan

c) Amortized decreasing repayment plan d) None of above

17. Annual installment over the entire loan period remains same in case of ---------

a) Amortized Even repayment plan b) Partial repayment plan

c) Amortized decreasing repayment plan d) None of above

18. Amortized Even repayment plan is adopted for loans granted for --------------.

a) Farm development b) digging of wells

c) Construction of godowns d) all of above

19. Various levels of installments are paid by the borrower over a loan period is
called as--------------------- repayment plan.

a) Variable b) optional c) future d) none of above

20. In the areas where there is variability in farm income --------------- type of
repayment plan used.

a) Variable b) optional c) future d) none of above

21. In case of -------------------- repayment plan farmers make the advance

payments of loan from the savings of previous year.
 a) Variable b) optional c) future d) none of above

22. Which of the following is/are the types of commercial bank?

a) Public sector b) Private Sector c) Foreign bank d) all of above

23. Accepting deposits and grant of loan and advances are the -------------------
functions of commercial bank.

a) Secondary b) Primary c) Supporting d) none of above

24. Issuing of letter of credit is the -----------------function of commercial bank.

a) Secondary b) Primary c) Supporting d) none of above

25. Example of Public sector bank ------------------.

a) SBI b) Bank of Baroda c) Dena bank d) All of above

26. Example of Private sector bank ------------------.

a) Yes bank b) Axis Bank c) HDFC d) All of above

27. Example of Foreign bank ------------------.

a) Citi bank b) America Express bank

c)Standard & Chartered bank d) all of above

28. Establishment year of NABARD -------------

a) July 1982 b) Aug. 1975 c) Sept 1968 d) Jan 1956

29. NABARD provides credit directly to the farmer. (True or False)

a) True b) False

30. Apex bank in three tier structure of co-operative bank is--------------------.

a) DCCB b) SCB c) PACS d) All of above

31. ------------------- is the connecting link between SCB & PACS.

 a) DCCB b) PLDB c) CLDB d) All of above

32. Through three tier structure of co-operative credit ------------- type of loan is
provided.

a) Long term b) Short term c)Both a&b d) None of above

33.Through two tier structure of co-operative credit ------------- type of loan is

provided.

a) Long term b) Short term c)Both a&b d) None of above

34. Self-help groups are also known as--------------

a) Support group b) Mutual help c) both a & b d) none of above

35. ----------------means the protecting farmers against the variation in yield

resulting from uncertainty of all natural factors beyond their control.

a) Remuneration b) Crop Insurance c) Health insurance d) none of above

36. KCC(Kisan Credit Card) scheme was introduced in ---------------

a) 1991 b) 1998 c) 1985 d) 1975

37. KCC Scheme is implemented by ---------

a) Commercial bank b) RRBs c) Co-operatives d)All of above

38. Which of the following is/are the benefit of KCC-------------

a) Simple procedure b) Assured availability of credit

c) No need to apply for every crop d) All of Above

39. Establishment of FSS------------

a) 1971 b) 1986 c) 1975 d) 1956

40. Area of operation if FSS is -------------& -------------------- district.

a) SFDA b) MFAL c) Both a& b d) None of above

41. Establishment of NCDFI was --------------

a) 1970 b) 1975 c) 1985 d) 1982

42. Head office of NCDFI is at -------------.

a) Faridabad b) New Delhi c) Mumbai d) None of above

43.Loan granted by the bank is-------------- % of initial capital investment.

a) 75 b) 25 c) 50 d) 30

44. ---------------- are the things which are owned by the farmer.

a) Liabilities b) Assets c) Equity d) None of Above

45. ------------------- is a statement which shows the financial position of farm

business at a particular time period.

a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Income statement

46. Which of the following is/are the components of balance sheet-

a) Assets b) Liabilities c) Equity d) All of above

47. All things, which are owned to others by the farmers is known as ----------------.

a) Assets b) Liabilities c) Equity d) All of above

48. Which of the following are/ is the type of assets-

a) Current b) intermediate/ Working

c) long term d) All of above

49. ------------- is the difference between total assets & total liabilities.

a) Assets b) Liabilities c) Equity d) All of above

50. If Liabilities are more than Assets then it is called as---------------.

 a) Net Deficit b) Net worth c) Both a&b d) None of above

51. If Assets are more than Liabilities then it is called as ----------------.

a) Net Deficit b) Net worth c) Both a&b d) None of above

52. Assets are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

53. Liabilities are written on -------------------side of balance sheet

a) Left b) Right c) Both a & b d) None of above

54. -------------------------- =

a) Current ratio b) intermediate ratio

c) net capital ratio d) none of above

55. Which of the formula used to calculate debt- equity ratio.

a) b)

c) d) None of above

56. Income statement is also called as---------------------.

a) Net worth statement b) Profit & loss statement
c) cash flow statement d) None of above

57. Which is/ are the components of Income Statement-

a) Receipt b)Expenses c) Net income d)All of above

58. -------------------=

a) Capital Turnover Ratio b) Gross ratio

c) Fixed ratio d) none of above
59. Cash flow statement is also called as-----------.
a) Cash flow summery b) Cash flow budget
c) Flow of fund statement d) All of above
60. -------------- is the summery of cash inflows & cash outflows of the business
organization I a particular period.
a) Net worth statement b) Flow of fund statement

c) cash flow statement d) Both b & c

61. Cash flow statement is prepared at-------------------------.

a) End of Agricultural year b) Beginning of agricultural year

c) both a& b d) None of above

62. Which of the following is/ are the method of undiscounted measures of
project appraisal?

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) All of above

63. According to ------------------method project with longer duration is preferred

one with shorter duration.

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) Average income on book value

64. ----------------- is the length of time required to get back initial investment on
the project.

a) Repayment period b) Pay back period

c) Gestation period d) None of Above

65. The preference of a project is based on the -------------------- payback period.

a) Higher b) lesser c)Both a& b d) None of above

66. ---------------- is work out by dividing the total proceeds with total amount of
investment.

a) Ranking by inspection b) Pay back period

c) Proceeds per unit of outlay d) Average income on book value

67. Which of the following is/ are the method of discounted measures of project
appraisal.

a) NPW b) BCR c) IRR d) All of above

68. Time value of money is considered in which of the following method?

a) Undiscounted b) discounted c) Both a& b d) None of above

69. The difference between the present worth of benefit less the present worth of
cost is called as-------------.

a) NPW b) BCR c) IRR d) All of above

70. Selection criteria on the basis of NPW if NPW is --------------------then project is

economically feasible & accepted.

a) Positive b) Negative c) indifferent d) None of above

71. ------------- provide the knowledge of actual rate of return from the project.

a) NPW b) BCR c) IRR d) None of above

72. IRR is that discount rate at which NPW = -----------------.

a) One b) Zero c) Less than one d) greater than one

73. IRR is also called as-------------------.

a) Marginal Efficiency of Capital b) Yield on the investment

c) Both a & b d) None of above

74. ---------------- is the ratio of present worth of benefit to the present worth of
cost.

a) NPW b) IRR c) BCR d) All of above

75. Selection criteria on the basis of BCR, project is financially feasible and
accepted if BCR=-------------.

a) Less than one b) Greater than one c) equal to one d) none of above

76. ------------ is the ratio of net present value of the cash flow to the initial capital
expenditure.

a) NPW b) IRR c) BCR d) Profitability index