ICAR AIEEA-PG (Master's admission and PG scholarship) · India · National Testing Agency for ICAR
Original practice questions written to the published syllabus · not past papersICAR AIEEA-PG (Master's admission and PG scholarship) is a postgraduate admission exam run by National Testing Agency for ICAR, for candidates in India. Computer-based test, 120 minutes, 120 MCQs, +4 / -1 / 0 for unattempted, English only. 2026 exam on 4 July 2026. Fills 30% of Master's seats at agricultural universities.
Source: cdnbbsr.s3waas.gov.in.
Checked against the exam body's published information. Formats and fees change; confirm the current edition there before you book.
How farmers and rural enterprises borrow, how lenders judge them, and the institutions that make up rural credit. The single highest cross-exam topic in this track.
Our 35 ICAR AIEEA-PG questions in this subject: 16 easy, 17 medium, 2 hard, across 12 units.
Choose an answer, then open the working. Each explanation says why the right answer is right and why the others are not.
These 10 were written to ICAR AIEEA-PG and are not shown on any other exam's page.
A farmer plans 2 ha of rice (scale of finance 60,000 currency units/ha) in the wet season and 1 ha of groundnut (45,000 currency units/ha) in the dry season. The crop-cultivation component of his short-term credit need, in currency units, is
B. 165,000
Sum scale x area for each crop: 2 x 60,000 + 1 x 45,000 = 120,000 + 45,000 = 165,000. 105,000 adds the two scales without multiplying by area; 120,000 counts only paddy; 195,000 wrongly multiplies groundnut by 2 ha.
For an investment loan, the loan amount is normally estimated as
A. Project cost (including initial working capital) minus the borrower's margin money
Term-loan need is the project cost less the borrower's own contribution (margin). Land value bears on security, not on how much the project needs; scale of finance applies to crop loans.
A loan taken to buy seed and fertiliser for the wet-season (monsoon) rice crop, repayable after harvest, is
B. Short-term production credit
Seasonal inputs are financed by short-term production (crop) credit repaid from the harvest. Investment credit finances assets lasting several years.
Under the principle that the loan period should match the asset's life, what is the main risk of financing a 10-year orchard with a 2-year loan?
A. Instalments fall due before the orchard yields enough income, forcing repayment from other sources or default
A loan shorter than the payback period demands repayment before the investment produces income. Lower interest to the lender is not the core problem; the mismatch threatens repayment capacity.
In the amortised even-payment plan, as the loan matures
B. The interest part of each instalment falls and the principal part rises
Instalments are equal, but interest is on a falling balance, so the principal share rises. A falling instalment is the decreasing (even-principal) plan.
Friedrich Wilhelm Raiffeisen is best known in the history of agricultural finance for founding
B. Village credit associations with joint member liability
Raiffeisen founded rural credit associations in Germany from the 1860s, relying on members' unlimited liability, savings and knowledge of each borrower. Urban people's banks were Schulze-Delitzsch's model; state land banks (such as the US federal land banks of 1916) are a different design; rotating savings associations are informal and far older.
Why may a district fix separate scales of finance for the same crop?
A. Costs differ between irrigated and rain-fed conditions and between technology levels
Scales vary with production conditions, so irrigated and rain-fed crops can have different figures. They are fixed by the committee for all lenders, not by each bank or by borrower characteristics.
The multi-agency approach to agricultural credit refers to
B. Supply of farm credit by several types of institution together, such as cooperatives, commercial banks and rural banks
The multi-agency approach replaces reliance on one channel (often cooperatives alone) with several types of lender serving farmers at once.
The Grameen Bank model of microcredit originated in
D. Bangladesh
The Grameen Bank grew from Muhammad Yunus's project begun in 1976 and became a bank in 1983. Indonesia's village banking units and Thailand's BAAC are separate models.
Local rural banks are usually designed to combine
B. The local knowledge of cooperatives with the professional management of commercial banks
The usual rationale is local knowledge plus professional banking, aimed at small rural borrowers.
This plan follows where our questions actually fall, so the time goes where the marks are likely to be. It is our reading of the syllabus, not the exam body's weighting.
Read the manual chapters for these first and do every worked question you can find on them.
Aim for one sitting per unit, then mixed questions across them.
Learn the definitions, classifications and standard numbers; these units are more often recalled than worked.
Come back to these after a first pass, untimed, and read every explanation, including for the options you rejected.
Do these early in revision so they are fast on the day.
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