Current Affairs · Banking Guidelines
Regarding the regulatory guidelines for banks and Small Finance Banks (SFBs) concerning credit facilities provided to individuals against financial assets, which of the following statements is/are correct? 1. For individuals borrowing against financial assets, the maximum overall loan limit is capped at ₹1 crore, while a specific sub-limit of ₹25 lakh is enforced for loans intended for secondary market investments. 2. In the case of financing for Initial Public Offerings (IPOs) and Employee Stock Option Plans (ESOPs), the maximum loan per borrower is ₹25 lakh, and the borrower must provide a minimum margin of 25%. 3. Banks are required to monitor Loan-to-Value (LTV) ratios on an ongoing basis, and any breach in the prescribed LTV ceilings must be corrected within a maximum of 7 working days. Select the correct option:
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 11 and 3 only
- 22 and 3 only
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- 41, 2, and 3✓
Correct answer
1, 2, and 3
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