Retail LOANS
Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Certified Credit Professional — Certified Credit Professional.
One-liners from this chapter
Free sample — 8 of 102 rapid-fire Q&A cards.
Define retail loans and their primary purpose.
Credit facilities to individuals for personal, family, household needs: home, car, education, wedding, medical expenses.
How does retail lending differ from corporate lending in appraisal method?
Retail: scorecard-driven, mass-marketed, technology-intensive. Corporate: cash-flow projections, balance-sheet ratios.
What regulatory framework governs digital lending as of June 2026?
RBI Digital Lending Directions, 2025 (May 8, 2025) and supplement (March 1, 2026).
State the LTV ceiling for housing loans up to ₹30 lakh.
90% LTV permitted for individual housing loans up to ₹30 lakh.
What is the LTV-based risk weight for housing loans under Basel III?
35% risk weight for loans meeting LTV ≤80% criteria; varies by LTV band.
Are stamp duty and registration charges included in LTV property value computation?
No, except for properties ≤₹10 lakh where banks may include to support affordable-housing eligibility.
Define Regulatory Retail Portfolio (RRP) and its risk weight.
Claims meeting OPGL criteria attract 75% risk weight; excludes NPAs (100–150% risk-weighted).
State the four cumulative criteria (OPGL test) for RRP classification.
Obligor size, Product type, Granularity, Loan exposure limits must all satisfy thresholds.
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