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PPB Capsule Cards PRO Operational Aspects of Lo…
What external benchmarks did RBI mandate for pricing retail and MSME floating rate loans effective from October 1, 2019?
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External Benchmark Lending Rate (EBLR)
Operational Aspects of Loan Accounts 50
WA 50
PPB Capsule Cards PRO Operational Aspects of Lo…
Under RBI's Large Exposure Framework, what is the maximum permissible credit exposure to a single counterparty?
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Single Counterparty Exposure Limit
Operational Aspects of Loan Accounts 42
WA 42
PPB Capsule Cards PRO Operational Aspects of Lo…
What is the maximum exposure limit a bank can extend to a Group of Connected Counterparties under the Large Exposures Framework?
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Group Counterparty Exposure Limit
Operational Aspects of Loan Accounts 41
WA 41
PPB Capsule Cards PRO Operational Aspects of Lo…
Which registry must banks update to file records of equitable mortgages and prevent multiple financing on the same asset?
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CERSAI Registration
Operational Aspects of Loan Accounts 41
WA 41
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Under the IBA Model scheme, what collateral is required for an educational loan of ₹6 Lakhs?
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Education Loan: Security Norms
Operational Aspects of Loan Accounts 40
WA 40
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What critical pricing information must banks transparently disclose to a borrower under the Fair Practices Code?
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Fair Practices Code - Disclosures
Operational Aspects of Loan Accounts 40
WA 40
PPB Capsule Cards PRO Operational Aspects of Lo…
What are the standard margin requirements stipulated by the IBA Model Educational Loan Scheme (2021) based on the loan amount?
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Education Loan: Margins
Operational Aspects of Loan Accounts 39
WA 39
PPB Capsule Cards PRO Operational Aspects of Lo…
When was the Marginal Cost of Funds Based Lending Rate (MCLR) introduced, and what did it replace for pricing rupee loans?
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MCLR System Introduction
Operational Aspects of Loan Accounts 38
WA 38
PPB Capsule Cards PRO Operational Aspects of Lo…
What is the primary operational responsibility of a lending bank immediately following the disbursal of loan funds?
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End Use of Funds
Operational Aspects of Loan Accounts 38
WA 38
PPB Capsule Cards PRO Operational Aspects of Lo…
What is the standard Maximum Permissible Loan to Value (LTV) ratio applied for retail vehicle loans?
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Vehicle Loan LTV Ratios
Operational Aspects of Loan Accounts 38
WA 38
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PPB Capsule Cards PRO Operational Aspects of Lo…
According to RBI guidelines on Fair Practices Code, what are the permissible timings for recovery agents to contact borrowers?
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Recovery Agents Timings
Operational Aspects of Loan Accounts 38
WA 38
PPB Capsule Cards PRO Operational Aspects of Lo…
At what exposure amount are loan accounts classified as Red Flagged Accounts (RFA) tracked on the CRILC platform for early fraud warning?
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Red Flagged Account (RFA) & Frauds
Operational Aspects of Loan Accounts 37
WA 37
PPB Capsule Cards PRO Operational Aspects of Lo…
What is the standard moratorium period (repayment holiday) granted for an educational loan before EMI begins?
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Education Loan: Repayment Holiday
Operational Aspects of Loan Accounts 37
WA 37
PPB Capsule Cards PRO Operational Aspects of Lo…
What are the QIS I and QIS II statements submitted by borrowers with limits above ₹100 Lakh used for?
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Quarterly Information System (QIS)
Operational Aspects of Loan Accounts 36
WA 36
PPB Capsule Cards PRO Operational Aspects of Lo…
As per general guidelines, post-disbursement supervision of end-use of funds should be highly constructive for loans up to what amount?
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Post Disbursement Supervision Limit
Operational Aspects of Loan Accounts 35
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What does a 'Portfolio Review' under the Credit Audit function entail?
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Credit Audit Focus
Operational Aspects of Loan Accounts 35
WA 35
PPB Capsule Cards PRO Operational Aspects of Lo…
How often should a bank manager or authorized official typically inspect the goods pledged or hypothecated in factories/godowns?
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Inspection of Hypothecated Stocks
Operational Aspects of Loan Accounts 34
WA 34
PPB Capsule Cards PRO Operational Aspects of Lo…
Against which grades of Warehouse Receipts can a bank securely grant an advance for foodgrains?
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Advances against Warehouse Receipts
Operational Aspects of Loan Accounts 33
WA 33
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Can a bank arbitrarily recall a loan or demand accelerated payment before the maturity date?
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Recall of Loan Guidelines
Operational Aspects of Loan Accounts 33
WA 33
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Operational Aspects of Loan Accounts — JAIIB PPB Capsules

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All 19 cards on this page
External Benchmark Lending Rate (EBLR) What external benchmarks did RBI mandate for pricing retail and MSME floating rate loans effective from… Single Counterparty Exposure Limit Under RBI's Large Exposure Framework, what is the maximum permissible credit exposure to a single counte… Group Counterparty Exposure Limit What is the maximum exposure limit a bank can extend to a Group of Connected Counterparties under the La… CERSAI Registration Which registry must banks update to file records of equitable mortgages and prevent multiple financing o… Education Loan: Security Norms Under the IBA Model scheme, what collateral is required for an educational loan of ₹6 Lakhs? Fair Practices Code - Disclosures What critical pricing information must banks transparently disclose to a borrower under the Fair Practic… Education Loan: Margins What are the standard margin requirements stipulated by the IBA Model Educational Loan Scheme (2021) bas… MCLR System Introduction When was the Marginal Cost of Funds Based Lending Rate (MCLR) introduced, and what did it replace for pr… End Use of Funds What is the primary operational responsibility of a lending bank immediately following the disbursal of… Vehicle Loan LTV Ratios What is the standard Maximum Permissible Loan to Value (LTV) ratio applied for retail vehicle loans? Recovery Agents Timings According to RBI guidelines on Fair Practices Code, what are the permissible timings for recovery agents… Red Flagged Account (RFA) & Frauds At what exposure amount are loan accounts classified as Red Flagged Accounts (RFA) tracked on the CRILC… Education Loan: Repayment Holiday What is the standard moratorium period (repayment holiday) granted for an educational loan before EMI be… Quarterly Information System (QIS) What are the QIS I and QIS II statements submitted by borrowers with limits above ₹100 Lakh used for? Post Disbursement Supervision Limit As per general guidelines, post-disbursement supervision of end-use of funds should be highly constructi… Credit Audit Focus What does a 'Portfolio Review' under the Credit Audit function entail? Inspection of Hypothecated Stocks How often should a bank manager or authorized official typically inspect the goods pledged or hypothecat… Advances against Warehouse Receipts Against which grades of Warehouse Receipts can a bank securely grant an advance for foodgrains? Recall of Loan Guidelines Can a bank arbitrarily recall a loan or demand accelerated payment before the maturity date?
Chapters in this paper
Banker-Customer Relationship Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities Essentials of Bank Computerisation Ethics, Business Ethics & Banking: An Integrated Perspective AML- KYC Guidelines Appraisal and Assessment of Credit Facilities Operational Aspects of CBS Environment Ethics at the Individual Level Operational Aspects of KYC Operational Aspects of Loan Accounts Alternate Delivery Channels – Digital Banking Ethical Dimensions: Employees Opening Accounts of Various Types of Customers Types of Collaterals and their Characteristics Data Communication Network and EFT Systems Work Ethics and the Workplace
Modules in PPB
MODULE A: General Banking Operations MODULE B: Functions of Banks MODULE C: Banking Technology MODULE D: Ethics in Banks and Financial Institutions
JAIIB papers
IE-IFS — Indian Economy & Indian Financial System PPB — Principles & Practices of Banking AFM — Accounting & Financial Management for Bankers RBWM — Retail Banking & Wealth Management
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