Concept-wise Practice

loan MCQ Questions for Class 12

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Practice Questions

16 questions tagged with loan.

यदि किसी योजना में महिलाओं को loans मिलते हैं पर बाजार और mobility support नहीं मिलता तो क्या निष्कर्ष होगा?

If a scheme gives loans to women but no market and mobility support what is the conclusion?

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Correct Answer

A. वित्तीय सहायता अकेले पर्याप्त नहीं हैFinancial support alone is not enough

Step 1

Concept

Enterprise needs market and safe mobility along with capital. In exams treat livelihood support as integrated.

Step 2

Why this answer is correct

The correct answer is A. वित्तीय सहायता अकेले पर्याप्त नहीं है / Financial support alone is not enough. Enterprise needs market and safe mobility along with capital. In exams treat livelihood support as integrated.

Step 3

Exam Tip

उद्यमिता में पूंजी के साथ बाजार और safe mobility भी चाहिए। परीक्षा में livelihood support को integrated मानें।

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हस्तशिल्प में ऋण लेने से पहले कारीगर को क्या देखना चाहिए?

What should an artisan check before taking a loan for handicrafts?

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Correct Answer

A. लागत, बिक्री संभावना, ब्याज और चुकौती योजनाCost, sales possibility, interest and repayment plan

Step 1

Concept

A loan is useful only when income and repayment plans are clear. Exam tip: connect financial planning with enterprise security.

Step 2

Why this answer is correct

The correct answer is A. लागत, बिक्री संभावना, ब्याज और चुकौती योजना / Cost, sales possibility, interest and repayment plan. A loan is useful only when income and repayment plans are clear. Exam tip: connect financial planning with enterprise security.

Step 3

Exam Tip

ऋण तभी उपयोगी है जब आय और चुकौती की योजना स्पष्ट हो। परीक्षा में वित्तीय योजना को उद्यम सुरक्षा से जोड़ें।

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यदि जीविका में ऋण लिया गया पर आय योजना नहीं है तो कौन सा खतरा है?

If a loan is taken for livelihood but there is no income plan then what is the risk?

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Correct Answer

A. कर्ज बोझ बढ़ सकता हैDebt burden may increase

Step 1

Concept

Loan needs income and repayment planning. In exams connect loan with repayment planning.

Step 2

Why this answer is correct

The correct answer is A. कर्ज बोझ बढ़ सकता है / Debt burden may increase. Loan needs income and repayment planning. In exams connect loan with repayment planning.

Step 3

Exam Tip

ऋण के साथ आय और चुकाने की योजना जरूरी है। परीक्षा में loan को repayment planning से जोड़ें।

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जीविका में ऋण लेने से पहले क्या जांचना सबसे जरूरी है?

What is most important to check before taking a loan for livelihood?

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Correct Answer

A. ब्याज शर्तें चुकाने की क्षमता और उद्देश्यInterest terms repayment capacity and purpose

Step 1

Concept

A loan is useful when terms and repayment capacity are clear. In exams connect loan with financial planning.

Step 2

Why this answer is correct

The correct answer is A. ब्याज शर्तें चुकाने की क्षमता और उद्देश्य / Interest terms repayment capacity and purpose. A loan is useful when terms and repayment capacity are clear. In exams connect loan with financial planning.

Step 3

Exam Tip

ऋण तभी उपयोगी है जब शर्तें और चुकाने की क्षमता स्पष्ट हों। परीक्षा में loan को financial planning से जोड़ें।

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भविष्य की ब्याज दर और ऋण उपलब्धता का अनुमान लगाना किस चरण का हिस्सा है?

Estimating future interest rate and loan availability is part of which step?

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Correct Answer

C. आधारभूत धारणाएँ विकसित करनाDeveloping premises

Step 1

Concept

Future condition of interest and loans are planning premises. In exams, connect finance assumptions with premises.

Step 2

Why this answer is correct

The correct answer is C. आधारभूत धारणाएँ विकसित करना / Developing premises. Future condition of interest and loans are planning premises. In exams, connect finance assumptions with premises.

Step 3

Exam Tip

ब्याज और ऋण की भविष्य स्थिति planning premises हैं। परीक्षा में finance assumptions को premises से जोड़ें।

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यदि सरकार ऋण सस्ता करने के लिए ब्याज दर घटाती है तो यह व्यवसाय को किस आयाम से प्रभावित करेगा?

If the government reduces interest rates to make loans cheaper which dimension will affect business?

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Correct Answer

B. आर्थिक आयामEconomic dimension

Step 1

Concept

Interest rate is linked with cost of money and investment. In exams connect loans and interest with economic dimension.

Step 2

Why this answer is correct

The correct answer is B. आर्थिक आयाम / Economic dimension. Interest rate is linked with cost of money and investment. In exams connect loans and interest with economic dimension.

Step 3

Exam Tip

ब्याज दर धन लागत और निवेश से जुड़ी होती है। परीक्षा में ऋण और ब्याज को आर्थिक आयाम से जोड़ें।

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साझेदार की पत्नी से ऋण 40000 रुपये है। भंग पर यह कहां स्थानांतरित होगा?

Loan from a partner's wife is ₹40000. Where will it be transferred on dissolution?

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Correct Answer

A. वसूली खाते के क्रेडिट मेंCredit of Realisation Account

Step 1

Concept

Loan from partner's wife is an external liability of the firm. Hence it is taken to Realisation Account like other liabilities.

Step 2

Why this answer is correct

The correct answer is A. वसूली खाते के क्रेडिट में / Credit of Realisation Account. Loan from partner's wife is an external liability of the firm. Hence it is taken to Realisation Account like other liabilities.

Step 3

Exam Tip

साझेदार की पत्नी से ऋण फर्म की बाहरी देनदारी है। इसलिए इसे वसूली खाते में अन्य देनदारियों की तरह लिया जाता है।

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फर्म के विरुद्ध बैंक ऋण का भुगतान किसे प्राथमिकता से मिलता है?

Who gets priority in payment of bank loan against the firm?

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Correct Answer

A. बाहरी ऋणदाताExternal Creditor

Step 1

Concept

External creditors are paid first.

Step 2

Why this answer is correct

The correct answer is A. बाहरी ऋणदाता / External Creditor. External creditors are paid first.

Step 3

Exam Tip

बाहरी ऋणदाताओं का भुगतान पहले किया जाता है।

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विघटन पर भागीदार ऋण का भुगतान किससे पहले किया जाता है?

Partner's loan is repaid before which of the following on dissolution?

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Correct Answer

A. भागीदारों की पूंजीPartners' capital

Step 1

Concept

Partner's loan is repaid before capital. This is an important exam point.

Step 2

Why this answer is correct

The correct answer is A. भागीदारों की पूंजी / Partners' capital. Partner's loan is repaid before capital. This is an important exam point.

Step 3

Exam Tip

भागीदार ऋण का भुगतान पूंजी से पहले किया जाता है। यह महत्वपूर्ण परीक्षा बिंदु है।

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भागीदार ऋण की वापसी पूंजी भुगतान से क्यों पहले की जाती है?

Why is partner's loan repaid before capital repayment?

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Correct Answer

A. क्योंकि यह बाहरी देनदारी जैसी मानी जाती हैIt is treated like an outside liability

Step 1

Concept

Partner's loan is distinct from capital. It is repaid earlier.

Step 2

Why this answer is correct

The correct answer is A. क्योंकि यह बाहरी देनदारी जैसी मानी जाती है / It is treated like an outside liability. Partner's loan is distinct from capital. It is repaid earlier.

Step 3

Exam Tip

भागीदार ऋण को पूंजी से अलग माना जाता है। इसका भुगतान पहले होता है।

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कंप्यूटर ₹88000 से ₹68000 हुआ और ऋण ₹150000 से ₹142000 हुआ। शुद्ध प्रभाव क्या है?

Computer changes from ₹88000 to ₹68000 and loan changes from ₹150000 to ₹142000. What is the net effect?

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Correct Answer

A. ₹12000 हानि₹12000 loss

Step 1

Concept

Computer decrease is ₹20000 loss and loan decrease is ₹8000 gain. Net loss is ₹12000.

Step 2

Why this answer is correct

The correct answer is A. ₹12000 हानि / ₹12000 loss. Computer decrease is ₹20000 loss and loan decrease is ₹8000 gain. Net loss is ₹12000.

Step 3

Exam Tip

कंप्यूटर कमी ₹20000 हानि और ऋण कमी ₹8000 लाभ है। शुद्ध हानि ₹12000 है।

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यदि पुनर्मूल्यांकन खाते में स्टॉक कमी ₹14000 और ऋण कमी ₹9000 है तो डेबिट पक्ष पर कौन सी राशि होगी?

If Revaluation Account has stock decrease ₹14000 and loan decrease ₹9000 what amount will appear on debit side?

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Correct Answer

A. ₹14000₹14000

Step 1

Concept

Stock decrease is loss so ₹14000 appears on debit side. Loan decrease is gain and goes to credit side.

Step 2

Why this answer is correct

The correct answer is A. ₹14000 / ₹14000. Stock decrease is loss so ₹14000 appears on debit side. Loan decrease is gain and goes to credit side.

Step 3

Exam Tip

स्टॉक कमी हानि है इसलिए डेबिट पक्ष पर ₹14000 आएगा। ऋण कमी लाभ है और क्रेडिट पक्ष में जाएगी।

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यदि भवन ₹200000 से ₹230000 और ऋण ₹90000 से ₹85000 हो जाए तो संयुक्त प्रभाव क्या है?

If building changes from ₹200000 to ₹230000 and loan changes from ₹90000 to ₹85000 what is the combined effect?

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Correct Answer

B. ₹35000 लाभ₹35000 profit

Step 1

Concept

Building increase is ₹30000 gain and loan decrease is ₹5000 gain. Total gain is ₹35000.

Step 2

Why this answer is correct

The correct answer is B. ₹35000 लाभ / ₹35000 profit. Building increase is ₹30000 gain and loan decrease is ₹5000 gain. Total gain is ₹35000.

Step 3

Exam Tip

भवन वृद्धि ₹30000 लाभ और ऋण कमी ₹5000 लाभ है। कुल लाभ ₹35000 है।

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यदि ऋणदाता की राशि (14000) रुपये बढ़ा दी जाए तो यह किस प्रकार का प्रभाव है?

If lender's amount is increased by ₹14000 what type of effect is it?

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Correct Answer

A. पुनर्मूल्यांकन हानिRevaluation loss

Step 1

Concept

Lender is a liability and increase in liability is a loss. It is debited to revaluation account.

Step 2

Why this answer is correct

The correct answer is A. पुनर्मूल्यांकन हानि / Revaluation loss. Lender is a liability and increase in liability is a loss. It is debited to revaluation account.

Step 3

Exam Tip

ऋणदाता दायित्व है और दायित्व बढ़ना हानि है। इसे पुनर्मूल्यांकन खाते में डेबिट किया जाता है।

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यदि ऋणदाता की राशि घटाकर (25000) रुपये कम कर दी जाए तो इसे कैसे माना जाएगा?

If lender's amount is reduced by ₹25000 how will it be treated?

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Correct Answer

A. पुनर्मूल्यांकन लाभRevaluation gain

Step 1

Concept

Lender is a liability and decrease in liability is a gain. It is credited to revaluation account.

Step 2

Why this answer is correct

The correct answer is A. पुनर्मूल्यांकन लाभ / Revaluation gain. Lender is a liability and decrease in liability is a gain. It is credited to revaluation account.

Step 3

Exam Tip

ऋणदाता दायित्व है और दायित्व कम होना लाभ है। इसे पुनर्मूल्यांकन खाते में क्रेडिट किया जाता है।

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यदि विलेख में ऋण और पूँजी को अलग अलग रखना है तो साझेदार द्वारा दी गई अतिरिक्त राशि की पहचान कैसे की जाएगी?

If the deed requires loan and capital to be kept separate, how will additional amount given by a partner be identified?

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A. विलेख और सहमति से ऋण या अतिरिक्त पूँजी के रूप मेंAs loan or additional capital based on deed and agreement

Step 1

Concept

The nature of extra amount from partner is decided by the deed. Rules for loan interest and capital interest may differ.

Step 2

Why this answer is correct

The correct answer is A. विलेख और सहमति से ऋण या अतिरिक्त पूँजी के रूप में / As loan or additional capital based on deed and agreement. The nature of extra amount from partner is decided by the deed. Rules for loan interest and capital interest may differ.

Step 3

Exam Tip

साझेदार की अतिरिक्त राशि की प्रकृति विलेख से तय होती है। ऋण पर ब्याज और पूँजी पर ब्याज के नियम अलग हो सकते हैं।

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