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Check the previous year questions asked in PNB Promotion Exam.
Banking Policy, Procurement and Concurrent Audit
1. As per the Procurement Policy of our Bank, in the case of procurement of Automobiles only, the ceiling of direct purchase from Government e-Marketplace (GeM Portal) will be Rs. ______.
2. What is the maximum Factoring Limit through TReDS for existing BBB (including BBB-) rated corporate borrowers as a percentage of annual turnover of latest audited financials or exposure with our bank or the specified monetary limit, whichever is lower?
3. What is the definition of a majority decision for waiver of appointing ASM?
4. The aggregate exposure at any given point of time under transfer of loan exposures for each transferor shall not be more than what percentage of their standard assets as per their last audited financials or the specified monetary limit, whichever is lower?
5. In case of RAM / Hybrid RAM / PLP, more than one concurrent auditor may be appointed if the number of sanctions is above ______ during the last financial year.
6. Concurrent auditors are required to check all transactions entered/posted by branch staff, irrespective of the amount. What percentage of system-driven transactions must be checked on a sample basis?
7. What is the maximum period for which a concurrent auditor, whether internal or external, can continue with a branch/business unit?
8. As per RBI guidelines, the age limit for retired staff engaged as concurrent auditors may be capped at 75 years. What is the age limit prescribed by our Bank?
9. How frequently must one of the partners (CA) of an empanelled CA Firm visit the assigned branch and discuss audit-related issues with the Branch Manager?
10. What is the remuneration payable to external auditors if the branch business is Rs. 85 crore?
11. For empanelment as concurrent auditors, in which scales must retired officers of our Bank have served?
Government Schemes and Retail Banking Products
12. Under the PM Vishwakarma Scheme, what is the total amount of loan assistance available to beneficiaries, and what is the amount and tenure of the first loan tranche?
13. Under the PM Vishwakarma Scheme, from which date is the five-year period calculated for determining whether a beneficiary has availed loans under similar government credit-based schemes?
14. What is the prescribed Turnaround Time (TAT) for processing a PM Vishwakarma loan application?
15. What is the limit under PNB Rakshak Select?
16. What is the minimum income criterion for a Visa Signature Card?
17. What is the minimum net annual income required for non-salaried applicants under the MY Property Scheme, and for how many years must this income be maintained?
18. Under the Co-Lending Arrangement, which type of loan is exempted?
19. In the case of UPI-based ASBA applications, what is the maximum threshold limit up to which an applicant is eligible?
20. What were the global deposits of PNB as on 30 September 2025?
Risk Management, Audit and Compliance
21. Which committee is to be formed at Circle level to identify and evaluate internal and external factors that could adversely affect the Bank’s performance, corporate goals, information systems and compliance objectives?
22. In which branches/offices can only Internal Auditors be assigned for concurrent audit?
23. As per RBI guidelines, who has the discretion to decide the scope of work entrusted to concurrent auditors and the coverage of business/branches, subject to prior approval of the Audit Committee of the Board of Directors (ACB)?
24. For loans above Rs. 50 crore, where shall the Internal Risk Rating be initiated and where shall it be approved?
25. In case of lending under Consortium / Multiple Banking Arrangements, what is the maximum ceiling for the fee payable for issuance of a Due Diligence Report?
26. Up to which level of employee of the Bank can a whistleblower make a disclosure?
27. After the expiry of how many years from the date of the alleged action shall the competent authority not take notice of a protected disclosure seeking to reopen the issue?
28. For how many years shall all written or documented reports received under the Whistle Blower Policy, along with investigation results, be retained by the Bank?
29. Within what maximum period shall the competent authority make a discreet inquiry to ascertain whether there is any basis for proceeding further with an investigation into a disclosure?
30. What is the minimum length of the password for Internet Banking, and what are the requirements regarding special characters?
Digital Banking and Credit Cards
31. What type of characters should be used in Internet Banking passwords, and which characters should not be included?
32. What should be the nature of an Internet Banking password to ensure security?
33. With whom should an Internet Banking password be shared?
34. What is the maximum amount allowed under the Quick Transfer facility in Retail Internet Banking for intra-bank and inter-bank (IMPS) fund transfers without adding a beneficiary, and what is the maximum number of transactions allowed per day?
35. Under the National Common Mobility Card (PNB RuPay NCMC Debit Card), what is the maximum balance that can be held in the offline wallet at any given point of time?
36. What is the maximum validity period of a Credit Card?
37. What is the minimum literacy requirement for an applicant to be eligible for PNB Credit Cards (all variants)?
38. To whom can a primary cardholder request the Bank to issue a maximum of two add-on credit cards?
MSME Banking and Other Regulatory Guidelines
39. What is the recommended annual growth rate in the number of Micro Enterprise accounts as per the recommendations of the Prime Minister’s Task Force on MSMEs?
40. Under what asset-size criterion are non-deposit-taking NBFCs required to appoint Internal Ombudsmen, provided they have customer interface?
41. Name the associates of Punjab National Bank.
42. What is the prescribed TAT for an MSME proposal of Rs. 30 lakh?
43. At present, what is the minimum amount for which the list of suit-filed and non-suit-filed accounts of Wilful Defaulters is submitted by banks to Credit Information Companies (CICs)?
44. RBI has made it mandatory for corporate borrowers having aggregate fund-based and non-fund-based exposure of what amount and above from any bank to obtain Legal Entity Identifier (LEI) registration and have it captured in CRILC?
45. What is the maximum cost of each project for procurement of products/services from any empanelled FinTech, including support and maintenance, for a period of up to three years?
46. How should the valuation of plant and machinery be determined for lending purposes? Under what circumstances can the sanctioning authority obtain a valuation report from a Bank-approved valuer?
47. Within how many days from the date of last closure should a customer be provided with the option to reopen a complaint in CGRMS/CRM if dissatisfied with its resolution?
48. What is meant by the transfer of loan exposures?
49. Under PNB Swarnim, up to what loan amount can loans be sanctioned to applicants on an undertaking basis without insisting upon a copy of land records?
50. What is the minimum exposure required for a borrower to be eligible for the Pre-Approved Term Loan Facility under PNB MSME PRIME PLUS?
51. What is the minimum amount for deposit into/withdrawal from a currency chest, and thereafter in what multiples can transactions be made?
52. What is the prescribed timeline for acceptance of the terms and conditions under PNB Baghban?
Corporate Governance and KYC
53. What is the industry-wise exposure ceiling fixed as a percentage of the Bank’s gross exposure for the Gems and Jewellery industry?
54. What is the definition of a Material Subsidiary based on its income or net worth as a percentage of consolidated income or net worth?
55. Where the customer is a trust, the identification of beneficial owners shall include the beneficiaries having what percentage or more interest in the trust?
56. Who is not considered Key Managerial Personnel?
Currency Management, Risk and Ethics
57. Which authorities or entities are authorised to impound counterfeit currency notes?
58. Up to what exposure amount can ZSCO sell IP in a loan account?
59. Which of the following is not included in ETHICS?
60. What is the risk classification when Medium Business Risk is combined with Medium Control Risk?
RERA and Agriculture Finance (KCC)
61. As per Section 4 of RERA, what percentage of the amount realised from allottees for a real estate project must be deposited in a separate account maintained with a scheduled bank?
62. What is the maximum credit limit under KCC, and what is the basis for providing need-based credit to farmers?
63. On what basis is the Kisan Credit Card (KCC) limit determined for different crops?
64. What is the maximum amount permitted for e-Renewal of KCC?
65. What are the prescribed percentages for fixing limits towards:
- Post-harvest / household expenses / consumption?
- Farm maintenance?
66. Are interest subvention and prompt repayment incentive benefits available on short-term crop loans and short-term loans for allied activities such as animal husbandry, dairy, fisheries and beekeeping? What are the KCC score exemption limits for production credit and investment credit?
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