{"id":47047,"date":"2026-04-28T14:50:31","date_gmt":"2026-04-28T09:20:31","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=47047"},"modified":"2026-04-29T12:17:09","modified_gmt":"2026-04-29T06:47:09","slug":"non-performing-assets","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/","title":{"rendered":"NPA, NARCL, ARCs &amp; SARFAESI Act, FREE PDF &amp; Live Quiz"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#NPA_NARCL_ARCs_SARFAESI_Act_Study_Notes_FREE_PDF\" >NPA, NARCL, ARCs &amp; SARFAESI Act, Study Notes, FREE PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#NPA_NARCL_ARCs_SARFAESI_Act_Live_Quiz\" >NPA, NARCL, ARCs &amp; SARFAESI Act, Live Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Sign_Up-2\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Login-2\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#Forgot_Password-2\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/#i-2\" >&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Understanding Non-Performing Assets (NPAs) and recovery mechanisms like the SARFAESI Act, ARCs, and NARCL is essential for banking aspirants. These concepts explain how banks identify stressed assets, classify bad loans, and take action to recover dues efficiently. They also highlight the role of legal and institutional frameworks in maintaining financial stability and improving asset quality. For exams like SBI PO, IBPS PO, RBI Grade B, and Clerk, this topic holds high weightage in both prelims and mains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-npa-narcl-arcs-amp-sarfaesi-act-study-notes-free-pdf\"><span class=\"ez-toc-section\" id=\"NPA_NARCL_ARCs_SARFAESI_Act_Study_Notes_FREE_PDF\"><\/span>NPA, NARCL, ARCs &amp; SARFAESI Act, Study Notes, FREE PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This FREE banking awareness PDF provides a complete, exam-focused understanding of NPA and recovery frameworks. This PDF ensures strong conceptual clarity along with exam-ready preparation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-you-will-get-in-the-pdf\">What You Will Get in the PDF:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quick revision tables + MCQs with explanations<\/li>\n\n\n\n<li>Clear concept of NPA definition (90-day rule)<\/li>\n\n\n\n<li>Detailed classification of NPAs (Sub-Standard, Doubtful, Loss Assets)<\/li>\n\n\n\n<li>Difference between Gross NPA &amp; Net NPA<\/li>\n\n\n\n<li>Causes and impact of NPAs on banking system<\/li>\n\n\n\n<li>Complete coverage of SARFAESI Act, 2002, with process flow<\/li>\n\n\n\n<li>Working and role of Asset Reconstruction Companies (ARCs)<\/li>\n\n\n\n<li>Concept of Security Receipts (SRs)<\/li>\n\n\n\n<li>Detailed explanation of NARCL (Bad Bank) &amp; IDRCL structure<\/li>\n\n\n\n<li>Key facts, limits, and important exam-oriented data<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/banking-and-financial-awareness\/?ref=conttm-npa\" target=\"_blank\" rel=\"noreferrer noopener\">Download your FREE NPA, NARCL, ARCs &amp; SARFAESI Act Notes PDF now<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-npa-narcl-arcs-amp-sarfaesi-act-live-quiz\"><span class=\"ez-toc-section\" id=\"NPA_NARCL_ARCs_SARFAESI_Act_Live_Quiz\"><\/span>NPA, NARCL, ARCs &amp; SARFAESI Act, Live Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Practice with a real exam-level quiz based on the PDF. These questions will help you revise concepts, improve accuracy, and strengthen retention before exams.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> NPA, NARCL, ARCs &#038; SARFAESI Act Part 1 Quiz 1 <\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q1. What does NPA stand for?<\/p>\n<button data-correct=\"false\">Net Performing Asset<\/button>\n<button data-correct=\"true\">Non-Performing Asset<\/button>\n<button data-correct=\"false\">Non-Profit Asset<\/button>\n<button data-correct=\"false\">Negative Profit Asset<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q2. A loan becomes NPA if interest\/principal is overdue for more than:<\/p>\n<button data-correct=\"false\">30 days<\/button>\n<button data-correct=\"false\">60 days<\/button>\n<button data-correct=\"true\">90 days<\/button>\n<button data-correct=\"false\">180 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q3. Sub-Standard Asset is one which is NPA for:<\/p>\n<button data-correct=\"false\">Less than 6 months<\/button>\n<button data-correct=\"true\">Up to 12 months<\/button>\n<button data-correct=\"false\">More than 12 months<\/button>\n<button data-correct=\"false\">24 months<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q4. Doubtful Asset is NPA for:<\/p>\n<button data-correct=\"false\">Less than 12 months<\/button>\n<button data-correct=\"true\">More than 12 months<\/button>\n<button data-correct=\"false\">6 months<\/button>\n<button data-correct=\"false\">3 months<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q5. Loss Asset requires provisioning of:<\/p>\n<button data-correct=\"false\">25%<\/button>\n<button data-correct=\"false\">50%<\/button>\n<button data-correct=\"false\">75%<\/button>\n<button data-correct=\"true\">100%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q6. Net NPA is calculated as:<\/p>\n<button data-correct=\"false\">Total Loans \u2013 Deposits<\/button>\n<button data-correct=\"true\">Gross NPA \u2013 Provisions<\/button>\n<button data-correct=\"false\">Loans \u2013 Interest<\/button>\n<button data-correct=\"false\">Deposits \u2013 Loans<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q7. SARFAESI Act was enacted in:<\/p>\n<button data-correct=\"false\">1998<\/button>\n<button data-correct=\"false\">2000<\/button>\n<button data-correct=\"true\">2002<\/button>\n<button data-correct=\"false\">2005<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q8. SARFAESI allows banks to recover loans without:<\/p>\n<button data-correct=\"false\">RBI approval<\/button>\n<button data-correct=\"true\">Court intervention<\/button>\n<button data-correct=\"false\">Government approval<\/button>\n<button data-correct=\"false\">Auditor permission<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q9. Demand notice under SARFAESI is issued for:<\/p>\n<button data-correct=\"false\">30 days<\/button>\n<button data-correct=\"false\">45 days<\/button>\n<button data-correct=\"true\">60 days<\/button>\n<button data-correct=\"false\">90 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q10. Borrower can appeal to DRT within:<\/p>\n<button data-correct=\"false\">30 days<\/button>\n<button data-correct=\"true\">45 days<\/button>\n<button data-correct=\"false\">60 days<\/button>\n<button data-correct=\"false\">90 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q11. ARC stands for:<\/p>\n<button data-correct=\"false\">Asset Recovery Company<\/button>\n<button data-correct=\"true\">Asset Reconstruction Company<\/button>\n<button data-correct=\"false\">Asset Regulation Company<\/button>\n<button data-correct=\"false\">Asset Reserve Corporation<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q12. ARCs are regulated by:<\/p>\n<button data-correct=\"false\">SEBI<\/button>\n<button data-correct=\"true\">RBI<\/button>\n<button data-correct=\"false\">NABARD<\/button>\n<button data-correct=\"false\">IRDAI<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q13. ARCs purchase NPAs at:<\/p>\n<button data-correct=\"false\">Face value<\/button>\n<button data-correct=\"false\">Premium<\/button>\n<button data-correct=\"true\">Discounted value<\/button>\n<button data-correct=\"false\">Market value<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q14. Security Receipts are issued by:<\/p>\n<button data-correct=\"false\">RBI<\/button>\n<button data-correct=\"false\">Banks<\/button>\n<button data-correct=\"true\">ARCs<\/button>\n<button data-correct=\"false\">SEBI<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q15. Typical ARC payment structure is:<\/p>\n<button data-correct=\"false\">50% cash<\/button>\n<button data-correct=\"false\">100% SRs<\/button>\n<button data-correct=\"true\">15% cash + 85% SRs<\/button>\n<button data-correct=\"false\">75% cash<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q16. First ARC in India:<\/p>\n<button data-correct=\"false\">Edelweiss ARC<\/button>\n<button data-correct=\"true\">ARCIL<\/button>\n<button data-correct=\"false\">Phoenix ARC<\/button>\n<button data-correct=\"false\">JM ARC<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q17. NARCL stands for:<\/p>\n<button data-correct=\"false\">National Asset Recovery Company Ltd<\/button>\n<button data-correct=\"true\">National Asset Reconstruction Company Ltd<\/button>\n<button data-correct=\"false\">National Asset Regulation Company Ltd<\/button>\n<button data-correct=\"false\">National Asset Reserve Corporation Ltd<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q18. NARCL was announced in Budget:<\/p>\n<button data-correct=\"false\">2019<\/button>\n<button data-correct=\"false\">2020<\/button>\n<button data-correct=\"true\">2021<\/button>\n<button data-correct=\"false\">2022<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q19. NARCL deals with NPAs above:<\/p>\n<button data-correct=\"false\">\u20b9100 crore<\/button>\n<button data-correct=\"false\">\u20b9200 crore<\/button>\n<button data-correct=\"true\">\u20b9500 crore<\/button>\n<button data-correct=\"false\">\u20b91000 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q20. NARCL pays banks:<\/p>\n<button data-correct=\"false\">100% cash<\/button>\n<button data-correct=\"false\">50% cash<\/button>\n<button data-correct=\"true\">15% cash + 85% SRs<\/button>\n<button data-correct=\"false\">Only bonds<\/button>\n<\/div>\n\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" 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}\n\n#quiz-2 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-2 h2 {\n  text-align: center;\n}\n\n#quiz-2 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-2 .question p {\n  font-weight: bold;\n}\n\n#quiz-2 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-2 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-2 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-2 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-2 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-2 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-2 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-2 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-2 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-2 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-2 .bar-attempted { background: #2196f3; }\n#quiz-2 .bar-correct { background: #4caf50; }\n#quiz-2 .bar-wrong { background: #f44336; }\n#quiz-2 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-2 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-2 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-2\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-2-sticky-header\">\n  <span> NPA, NARCL, ARCs &#038; SARFAESI Act Part 2 Quiz 2 <\/span>\n  <span id=\"quiz-2-score-badge\">Score: <strong id=\"quiz-2-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q21. IDRCL stands for:<\/p>\n<button data-correct=\"false\">India Debt Recovery Company Ltd<\/button>\n<button data-correct=\"true\">India Debt Resolution Company Ltd<\/button>\n<button data-correct=\"false\">Indian Debt Regulation Company Ltd<\/button>\n<button data-correct=\"false\">Indian Debt Reserve Company Ltd<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q22. IDRCL\u2019s role is:<\/p>\n<button data-correct=\"false\">Buy NPAs<\/button>\n<button data-correct=\"false\">Regulate banks<\/button>\n<button data-correct=\"true\">Resolve assets<\/button>\n<button data-correct=\"false\">Issue loans<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q23. Government guarantee for NARCL SRs is approx:<\/p>\n<button data-correct=\"false\">\u20b910,000 crore<\/button>\n<button data-correct=\"false\">\u20b920,000 crore<\/button>\n<button data-correct=\"true\">\u20b930,600 crore<\/button>\n<button data-correct=\"false\">\u20b950,000 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q24. Minimum NOF for ARCs:<\/p>\n<button data-correct=\"false\">\u20b910 crore<\/button>\n<button data-correct=\"false\">\u20b950 crore<\/button>\n<button data-correct=\"true\">\u20b9100 crore<\/button>\n<button data-correct=\"false\">\u20b9500 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q25. Capital adequacy ratio for ARCs:<\/p>\n<button data-correct=\"false\">8%<\/button>\n<button data-correct=\"false\">10%<\/button>\n<button data-correct=\"false\">12%<\/button>\n<button data-correct=\"true\">15%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q26. SARFAESI does NOT apply to:<\/p>\n<button data-correct=\"false\">Banks<\/button>\n<button data-correct=\"false\">NBFCs<\/button>\n<button data-correct=\"true\">Agricultural land<\/button>\n<button data-correct=\"false\">ARCs<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q27. Section related to enforcement under SARFAESI:<\/p>\n<button data-correct=\"false\">Section 5<\/button>\n<button data-correct=\"false\">Section 10<\/button>\n<button data-correct=\"true\">Section 13<\/button>\n<button data-correct=\"false\">Section 20<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q28. DRT handles loans above:<\/p>\n<button data-correct=\"false\">\u20b910 lakh<\/button>\n<button data-correct=\"true\">\u20b920 lakh<\/button>\n<button data-correct=\"false\">\u20b950 lakh<\/button>\n<button data-correct=\"false\">\u20b91 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q29. CERSAI is related to:<\/p>\n<button data-correct=\"false\">Loan approval<\/button>\n<button data-correct=\"true\">Registry of security interests<\/button>\n<button data-correct=\"false\">Taxation<\/button>\n<button data-correct=\"false\">Insurance<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q30. Which is NOT a resolution method of ARCs?<\/p>\n<button data-correct=\"false\">Asset sale<\/button>\n<button data-correct=\"false\">Debt restructuring<\/button>\n<button data-correct=\"true\">Fresh lending<\/button>\n<button data-correct=\"false\">Settlement<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q31. NPA affects banks by:<\/p>\n<button data-correct=\"false\">Increasing profit<\/button>\n<button data-correct=\"true\">Reducing capital<\/button>\n<button data-correct=\"false\">Increasing deposits<\/button>\n<button data-correct=\"false\">Reducing loans<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q32. Gross NPA includes:<\/p>\n<button data-correct=\"false\">Only performing assets<\/button>\n<button data-correct=\"true\">Total NPAs before provisions<\/button>\n<button data-correct=\"false\">Deposits<\/button>\n<button data-correct=\"false\">Investments<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q33. NNPA indicates:<\/p>\n<button data-correct=\"false\">Total loss<\/button>\n<button data-correct=\"true\">Real asset quality<\/button>\n<button data-correct=\"false\">Deposits<\/button>\n<button data-correct=\"false\">Loans issued<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q34. SARFAESI recommendation by:<\/p>\n<button data-correct=\"true\">Narasimham Committee<\/button>\n<button data-correct=\"false\">Kelkar Committee<\/button>\n<button data-correct=\"false\">Rangarajan Committee<\/button>\n<button data-correct=\"false\">Verma Committee<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q35. ARC must invest minimum in SRs:<\/p>\n<button data-correct=\"false\">5%<\/button>\n<button data-correct=\"false\">10%<\/button>\n<button data-correct=\"true\">15%<\/button>\n<button data-correct=\"false\">20%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q36. NARCL ownership (PSBs):<\/p>\n<button data-correct=\"false\">25%<\/button>\n<button data-correct=\"false\">49%<\/button>\n<button data-correct=\"true\">51%<\/button>\n<button data-correct=\"false\">75%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q37. IDRCL ownership (Private):<\/p>\n<button data-correct=\"false\">25%<\/button>\n<button data-correct=\"false\">49%<\/button>\n<button data-correct=\"true\">51%<\/button>\n<button data-correct=\"false\">75%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q38. SR full form:<\/p>\n<button data-correct=\"true\">Security Receipt<\/button>\n<button data-correct=\"false\">Secured Reserve<\/button>\n<button data-correct=\"false\">Settlement Receipt<\/button>\n<button data-correct=\"false\">Safe Receipt<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q39. NPAs reduce:<\/p>\n<button data-correct=\"false\">Inflation<\/button>\n<button data-correct=\"true\">Profitability<\/button>\n<button data-correct=\"false\">Deposits<\/button>\n<button data-correct=\"false\">Tax<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n<p>Q40. NPA classification sequence:<\/p>\n<button data-correct=\"false\">Standard \u2192 Loss \u2192 Doubtful<\/button>\n<button data-correct=\"true\">Standard \u2192 Sub-Standard \u2192 Doubtful \u2192 Loss<\/button>\n<button data-correct=\"false\">Loss \u2192 Standard<\/button>\n<button data-correct=\"false\">Doubtful \u2192 Standard<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-2\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: 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Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i-2\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? params.get(name) : defaultValue;\n}\n\nvar l_log = getUrlParam('log', 0);\n<\/script>\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\n\n\n<script>\n(() => {\n  const quizContainer = document.getElementById('quiz-2');\n  const STORAGE_KEY = 'quiz_2_state';\n  let score = 0;\n  let attempted = 0;\n  let correct = 0;\n  let wrong = 0;\n\n  const questions = quizContainer.querySelectorAll(\".question\");\n  const total = questions.length;\n\n  function loadState() {\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-2-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 10 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/types-of-money-and-cheques-notes\/\">Types of Money &amp; Cheques Notes, PDF &amp; Quiz for Exams<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/nostro-vostro-loro-accounts\/\">Nostro, Vostro &amp; Loro Accounts, Free Study Notes PDF &amp; Live Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/non-performing-assets\/\">NPA, NARCL, ARCs &amp; SARFAESI Act, FREE PDF &amp; Live Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/priority-sector-lending\/\">Priority Sector Lending, Study Notes PDF &amp; Live Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/important-simplification-questions\/\">Simplification Questions for Bank PO Exams, FREE PDF &amp; Live Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/government-banks-in-india\/\">Public Sector Banks in India, FREE PDF &amp; Live Quiz<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Understanding Non-Performing Assets (NPAs) and recovery mechanisms like the SARFAESI Act, ARCs, and NARCL is essential for banking aspirants. These<\/p>\n","protected":false},"author":60,"featured_media":243300,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,13848,10237],"tags":[18463],"class_list":["post-47047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-banking-awareness","category-preparation-resources","tag-npa-narcl-arcs-sarfaesi-act","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NPA, NARCL, ARCs &amp; SARFAESI Act, FREE PDF &amp; Live Quiz<\/title>\n<meta name=\"description\" content=\"NPA, NARCL, ARCs &amp; SARFAESI Act notes with FREE PDF &amp; quiz. 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