QUIZ 3 OFFICERS BATCH 2023-24

As per the revised LTE norms what is the maximum amount of loan that can be given in case of loans above 30 lacs and upto 75 lacs

• 90% of the agreement value & cost of additional work
• 75% of realisable value additioanl ROI-0.10% if loan is more than 80% of agreement value & additional work
• 80% of realisable value additioanl ROI-0.10% if loan is more than 80% of agreement value & additional work
• 1 or 2
• 1 or 3

What is the maximum amount that can be given without income documents in case of car loan

• 5.00 Lacs
• 7.50 Lacs
• 10.00 Lacs
• 15.00 Lacs
• 20.00 Lacs

What is the maximum LTV ratio to be maintained under Future Rent Receievables Scheme if industrial property is obtained as collateral security.

• 50%

• 25%

• 65%

• 75%

• 100%

Maximum Home Loan that can be granted under Baroda Home Improvement Loan is

• 50 lacs
• 100.00 Lacs
• 200.00 Lacs
• 500.00 Lacs
• None of above

What should be the minimum Turnover in the account in case of Overdraft Facility Sanctioned under Baroda Mortgage Loan to Non Individuals

• 10% of the limit
• 25% of the limit
• 40% of the limit
• 50% of the limit
• None of the above

Education loan Professional courses like: Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Architecture in India are covered under __ Scheme

• Baroda Vidya
• Baroda Gyan
• Baroda Scholar
• Baroda Skill Loan Scheme
• None of above

One of the following is not correct in case of gold loan

• The weights of specially minted gold coins should not exceed 50 grams per customer.
• Studded Ornaments with gold content less than 60% of the weight of the Jewellery/ ornaments will not be accepted.
• The loan shall be secured by minimum 18 carat gold Jewellery/ ornaments/ specially minted coins/ hall marked gold Jewellery/ ornaments.
• No loan can be granted against bullion/ Primary gold.
• All are correct

The following information is available from the balance sheet of a unit, Total liabilities - 20 lacs, Current liabilities -7 lacs, Term liabilities -4 lacs, what will be DE Ratio?

• 4.5
• 3.15
• 2.26
• 1.22
• 0.95

Which of the following method should be used to assess the wrokign capital limits upto rs. 5 crore for a micro enterprise

• first method of lending
• turnover method
• either A or B
• Higher of A and B
• Lower of A and B

A Company delas with SBI. It has book-debts of Rs.100 lacs under LC issued by BOB. Now, Book- Debts of Rs.100 lacs is discounted by SBI after getting confirmation from BOB. Where you will find such Book-Debts outstanding details in Company's Financials?

• Under Current Assets as Book-Debts Outstanding
• Under Non-Current Assets as the company has got the money against Book- Debts from SBI
• Under Foot-note or notes to the account of the Company Financials
• It will not appear anywhere in the Balance Sheet as SBI will get money from BOB.
• None of above