UGC NET NPAs and risk management Previous Year Questions
JRFSmart holds 15 previous-year questions on NPAs and risk management from UGC NET Commerce (Paper 2), filed under Unit 7: Banking and Financial Institutions, drawn from 9 of the 22 exam papers in the bank (2018–2025). Each question can be practised with a full explanation and shows how often NTA has returned to the same idea.
What is asked in NPAs and risk management
The questions in this topic fall under these subtopics, ordered by how many previous-year questions each has.
| Subtopic | Questions |
|---|---|
| When a term loan becomes an NPA | 1 |
| Asset reconstruction companies - SARFAESI | 1 |
| Asset liability management | 1 |
| Asset liability management measures | 1 |
| Forms of credit risk | 1 |
| Classification of NPAs | 1 |
| Initiatives to tackle NPAs | 1 |
| Debt Recovery Tribunals | 1 |
| Forbearance of credit default | 1 |
| Corporate funding in a crisis | 1 |
| Fund of funds and MSME support | 1 |
| Forbearance and the global financial crisis | 1 |
NTA repeat analysis
NPAs and risk management appears in 9 of 22 papers (41%), which JRFSmart rates as high frequency.
1 question in this topic has been verified as repeated in more than one paper.
Sample previous-year questions
Match List I with List II. Choose the correct answer from the options given below: List-I Description List-II Conceptualization A. Net Stable Funding Ratio I. Asset Liability Management B. Innovative Perpetual Debt Instrument II. Tier-I capital C. Tune…
A term loan becomes Non Performing Asset (NPA) if its interest and/or instalment of principal remains overdue for a period of more than:
Sequence the following steps in the operational functioning of the Asset reconstruction companies (as per SARFAESI Act 2002) A. Charge a 2 percent management fee B. Issue security receipts to bank C. Make payment to bank D. Buys loans of bank at a discount…
Which of the following statement (s) are correct? A. Asset liability management is a mechanism to address the risk arising due to mismatch of assets and liabilities B. Non-performing Assets (NPA) must be written off as loss in the financial year in which NPA…
Arrange the following steps in a logical sequence of debt recovery by financial institutions through Debt Recovery Tribunals (DRTs): A. Restrain him from dealing with/disposing of the concerned assets/properties pending at the hearing of the application. B…
Which of the following forms may not result in credit risk? 1. Principal and/or interest amount may not be repaid in the case of direct lending. 2. In case of guarantees or a letter of credit, funds may not be forthcoming from the constituents upon…
The Economic Survey cautions against extended forbearance of credit default, drawing the lessons that extended forbearance in the wake of the 2007-08 global financial crisis led to the build-up of bad loans and dragged down investment rates and economic…
Arrange the following initiatives taken by the Government of India to tackle Non-Performing Assets (NPAs) in their ascending order of chronology: A. Corporate Debt Restructuring B. Compromise Settlement C. The Debt Recovery Tribunals (DRTs) D. Credit…
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