The SIDBI Grade A General Stream Practice Quiz is designed to help candidates revise the important concepts covered under the General Stream of the SIDBI Grade A exam. The General Stream focuses strongly on MSME financing, credit assessment, financial analysis, lending, recovery, and the role of institutions such as SIDBI, RBI, NBFCs, and ARCs.
SIDBI Grade A General Stream Practice Quiz
Candidates can download the free SIDBI Grade A General Stream Practice Quiz PDF and use it for quick revision. The PDF covers important General Stream topics such as MSME financing, credit appraisal, financial analysis, working capital, term loans, NPAs, and credit risk.
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Attempt the SIDBI Grade A General Stream Practice Quiz
Candidates can now attempt the SIDBI Grade A General Stream Practice Quiz to check their preparation. The quiz covers important areas such as MSME financing, KYC, credit appraisal, financial analysis, working capital, term loans, NPAs, IRAC norms, credit risk, NBFC financing, ARCs, and the MSME policy ecosystem.
1. In a cash-flow-based term-loan appraisal, which is normally the primary source of repayment?
2. A project has a DSCR of 1.60x. What does this most directly indicate?
3. A borrower has current assets of Rs. 360 lakh and current liabilities of Rs. 240 lakh. What is the current ratio?
4. If total outside liabilities are Rs. 900 lakh and tangible net worth is Rs. 300 lakh, the TOL/TNW ratio is:
5. Annual credit sales are Rs. 36.5 crore and average trade receivables are Rs. 5 crore. Approximate receivable days are:
6. Cost of goods sold is Rs. 24 crore and average inventory is Rs. 4 crore. Inventory turnover is:
7. Which expression best represents a simple operating cycle for a trading/manufacturing borrower?
8. Eligible stock is Rs. 120 lakh and eligible receivables are Rs. 80 lakh. If a bank applies a 25% margin on the aggregate eligible current assets and there are no other deductions, drawing power is:
9. If a lender stipulates a 20% margin on eligible inventory of Rs. 250 lakh, the maximum finance against that inventory is:
10. In working-capital appraisal, the working-capital gap is commonly understood as:
11. For a term loan financing a long-lived productive asset, the repayment tenor should primarily be aligned with:
12. A principal moratorium in a project loan generally means:
13. Why is promoter contribution important in project finance?
14. At the accounting break-even point:
15. Cash available for debt service is Rs. 18 crore. Scheduled principal is Rs. 8 crore and interest is Rs. 4 crore. DSCR is:
16. What is the main purpose of sensitivity analysis in credit appraisal?
17. Interest incurred on project borrowings during the construction period before commercial operations is commonly referred to as:
18. Other things being equal, a sharp increase in the debt-equity ratio generally indicates:
19. For a simplified cash-accrual estimate, which item is commonly added back to profit after tax because it is non-cash?
20. If current liabilities exceed current assets, net working capital is:
Quiz Summary
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Why should candidates attempt the SIDBI Grade A General Stream Practice Quiz?
The General Stream includes several topics that require both conceptual clarity and practical understanding. Candidates need to understand how financial institutions assess MSME borrowers, evaluate working capital and term loans, identify credit risks, and manage stressed assets. A practice quiz helps candidates revise these topics in an exam-oriented manner and improve their speed and accuracy.
- Revise important General Stream concepts.
- Test understanding of MSME financing and credit assessment.
- Practice questions based on financial ratios and financial statements.
- Revise KYC and due diligence requirements.
- Understand working capital and term loan assessment.
- Practice NPA, recovery, and IRAC-related concepts.
- Revise the role of NBFCs and ARCs.
- Improve accuracy before the SIDBI Grade A examination.
What is the SIDBI Grade A Phase 1 exam pattern?
The SIDBI Grade A Phase 1 exam is an online examination consisting of 200 questions for 200 marks, with a total duration of 120 minutes. The English Language, Reasoning Aptitude, Quantitative Aptitude, and Computer Knowledge sections are qualifying in nature. General Awareness, MSMEs: Policy, Regulatory & Legal Framework; Finance & Management, and the Stream-Specific Test are considered for merit and Phase 2 shortlisting.
| Section | Questions | Marks | Nature |
| English Language | 30 | 30 | Qualifying |
| Reasoning Aptitude | 25 | 25 | Qualifying |
| Quantitative Aptitude | 25 | 25 | Qualifying |
| Computer Knowledge | 20 | 20 | Qualifying |
| General Awareness | 20 | 20 | Merit |
| MSMEs: Policy, Regulatory & Legal Framework; Finance & Management | 30 | 30 | Merit |
| Stream-Specific Test | 50 | 50 | Merit |
| Total | 200 | 200 | 120 minutes |
What are the important topics covered in the General Stream?
The General Stream syllabus mainly focuses on the financial and credit side of MSME development. Candidates should study both basic concepts and their practical application in lending decisions. Special attention should be given to credit appraisal, financial analysis, working capital, term loans, NPAs, and credit risk.
- MSME financing
- Due diligence
- KYC norms
- Financial document verification
- Financial ratio analysis
- Financial statement analysis
- Working capital assessment
- Term loan assessment
- Documentary credit
- NPA classification
- Recovery process
- IRAC norms
- Credit risk assessment
- NBFC financing
- Asset Reconstruction Companies (ARCs)
- Investment banking
- Merchant banking
- Alternative Investment Funds (AIFs)
- MSME policies and government initiatives
- Role and functions of SIDBI
Which MSME financing topics should candidates revise?
MSME financing is one of the most important areas for the General Stream. Candidates should understand how banks and financial institutions assess the financial strength and repayment capacity of an MSME borrower. Questions may cover KYC, due diligence, financial documents, working capital requirements, term loans, and different forms of credit.
| Topic | Key Areas to Revise |
| KYC | Customer identification and verification |
| Due Diligence | Borrower and business verification |
| Financial Documents | Balance sheet, profit and loss account, cash flow |
| Financial Ratios | Liquidity, profitability, leverage and efficiency |
| Working Capital | Assessment and financing |
| Term Loans | Purpose, repayment and assessment |
| Documentary Credit | Important concepts and instruments |
| Credit Risk | Identification and assessment |
What should candidates study under credit risk and recovery?
Credit risk is important because lenders need to determine whether a borrower can repay the credit facility on time. Candidates should understand the factors used to assess creditworthiness and the indicators of financial stress. They should also revise NPA classification, recovery methods, and the basic provisions under IRAC norms.
- Borrower creditworthiness
- Repayment capacity
- Business performance
- Financial strength
- Debt servicing ability
- Credit history
- Early warning indicators
- NPA classification
- Recovery process
- Income recognition
- Asset classification
- Provisioning norms
Why are NBFCs and ARCs important for the General Stream?
NBFCs and ARCs form an important part of the financial system and are relevant to the SIDBI Grade A syllabus. Candidates should understand the role of Non-Banking Financial Companies (NBFCs) in providing finance and the role of Asset Reconstruction Companies (ARCs) in dealing with stressed assets. Basic questions can test their functions, purpose, and importance in the financial sector.
- Role of NBFCs in MSME lending
- Different types of NBFC activities
- Credit delivery through NBFCs
- Meaning and purpose of ARCs
- Acquisition and resolution of stressed assets
- Role of ARCs in NPA resolution
FAQs
The quiz covers MSME financing, credit appraisal, financial analysis, working capital, term loans, NPAs, IRAC norms, credit risk, NBFCs, ARCs, and related topics.
Yes, MSME financing is one of the key areas of the General Stream syllabus.
Candidates should study KYC, due diligence, financial statements, financial ratios, repayment capacity, working capital, and term loan assessment.
Yes, both NPA classification and IRAC norms are important areas for preparation.
Yes, it helps candidates revise important General Stream concepts and practise questions before the SIDBI Grade A Phase 1 exam.
- Attempt SIDBI Grade A English Practice Quiz & Download PDF
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- SIDBI Grade A Previous Year Papers PDF, Download Free PYPs
- Attempt SIDBI Grade A MSME Practice Quiz & Download Free PDF
- Attempt SIDBI Grade A General Awareness Quiz & Download PDF
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