In order to avail SME SHORT TERM LOAN following conditions need to be complied.

atisfactory Credit Rating for last 3 years (BOB4 & above) & for last 4 half years if rating done on half yearly basis

Min – 10 Lacs & Max – Rs 250 lacs

Satisfactory Credit Rating for last 3 years (BOB5 & above) & for last 4 half years if rating done on half yearly basis

A company has total Book-Debts of Rs.200 lacs, Stock of Rs.300 lacs, Investment in Subsidiary of Rs.100 lacs. On study of Balance Sheet you observe debtors of Rs.50 lacs disputed and stock of Rs.50 lacs obsolete. How you will define the company position?

The liquidity of the company will be impacted

The company's net worth will be impacted.

The Company Debts Equity Ratio will be deteriorate

The company's interest coverage ratio will deteriorate

The company has total Investment in its Associate Firm of Rs.100 lacs as on 31.03.2021. It has withdrawn the investment of Rs.20 lacs during FY 2021-22. While preparing the Fund Flow Statement, how you will treat the withdrawal of Investment?

Long Term Sources of Rs.20.00 lakhs

Long Term utilization of Rs.20.00 lakhs

Short Term utilization of Rs.20.00 lakhs

Short Term Sources of Rs.20.00 lakhs

A company has purchased Plant & Machinery of Rs.100 lacs by availing a Term Loan of Rs.75.00 lacs and remaining Rs.25 lacs will be brought in as Cash Margin from his capital. What will be the impact on the Balance Sheet of the Company?

Total Assets side will increase by Rs.75 lacs

Total Assets side will increase by Rs.100 lacs

Total Liability side will increase by Rs.100 lacs

Total Liability side will increase by Rs.25 lacs

A company had opening Debtors of Rs.50 lacs as on 31.03.2022. It sold goods of Rs.400 lacs in Cash and Rs.100 lacs in credit during FY 2022-23. It had realised the debtors of Rs.110 lacs during FY2022- 23. What will be outstanding Debtors as on 31.03.2023?

No Debtors Outstanding as on 31.03.2023 (it should be negative)

A company has total debtors of Rs.300 lacs as on 31.03.2022. It has realised the debtors of Rs.100 lacs during FY 2022-23. What would be the impact on the balance sheet as on 01.03.2023?

There will be reduction in Current Assets of Rs.100 lacs but increase in Net worth of Rs.100 lacs

There will be reduction in Total Current Assets of Rs.100 lacs

There will be no change in Total Current Assets

There will increase in Networth of Rs.100 lacs

In one of the following cases UPI services cannot be availed

Current Account holders “Partnership firm”.

Mobile no should be registered with bank accounts

OD Account holders OD002, OD003, OD004, OD005, OD006, OD016, OD017, OD023, OD026, OD028

Debit Card is mandatory for linking of Account

Which of the following is incorrect regarding CBDC

Sovereign Currency Issued by Central Bank

Accepted as the medium of payment as legal tender

Which of the following records at branches/offices of the Bank should be preserved PERMANENTLY?

Inland letters of credit- opening forms

The Reserve Bank of India recently announced that the limit for “Ways and Means Advances (WMA)” for the second half of the financial year 2023-24(October 2023 to March 2024) will be ₹50,000 crore. What is WMA?

WMA are temporary advances given by the RBI to the centre and state governments to ti de over any mismatch in receipts and payments

WMA are temporary advances given by the RBI to the Banks & FI to ti de over any mismatch in receipts and payments.

WMA are temporary advances given by the RBI to the AIFI’s (All India Financial Institutions) to ti de over any mismatch in receipts and payments.

WMA are temporary advances given by the RBI to the Government Corporati ons to ti de over any mismatch in receipts and payments.

Under RBI’s Retail Direct Scheme, primary issuance is allowed for various bonds and bills. Which of the following combination of products is NOT allowed under primary issuance as of now?

T Bills, CG Bonds, SG Bonds and Infl ati on Indexed Bonds.

SGB, T Bills and Floati ng Rate Savings Bonds.

Which among the following are the eligibility criteria for credit linkage of SHGs?

SHG should be in active existence for at least 6 months as per their books of accounts.

SHGs should be practising Panchsutras

SHGs should qualify as per grading norms fixed by NABARD.

_________ is an exclusive sub- committee for SHG Bank Linkage may be formed at village/ cluster/ block level which would provide support to the banks in ensuring proper utilization of loan amount, recovery etc.

Community Based Repayment Mechanism

Cluster based repayment mechanism

Cluster based recovery mechanism

Community Based Recovery Mechanism

The Inter-SOL Transfer Transactions at SOL where neither payee nor drawer maintains account are _____

Prohibited. But BH-1 & BH-2 are the competent authorities to take decision to permit such transfers

Prohibited except credit transactions

Prohibited except debit transactions

QUIZ 5 OFFICERS BATCH 2023-24

Authored by BA Rajkot

Computers

Professional Development

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104 questions

Show all answers

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Under Baroda Yodha Auto Loan Proceesing charge is

2500 +GST

1000+GST

1500 + GST

NIL

None of these

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Maximum loan amount that can be granted for A category of employees in Personal loan is

20 Lacs

10 Lacs

2.00 Lacs

5.00 Lacs

50 Lacs

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

what is The maximum LTV Ratio for home loan in case sanction of hone loan and Suvidha Loan is conisdered simultaneously for loans upto Rs. 75 Lakhs?

85%

90%

88%

75%

86%

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

One of the following is not correct about Baroda Home Loan Advantage

The ROI linked to the SB account is Zero.

ROI applicable upto Rs.75 Lacs is as per regular home loan.

Minimum CIBIL score should be 725

ROI applicable more than Rs.75 Lacs is 0.25% more than regular ROI in home loan.

All are correct

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

What is the margin for loan against LIC policies to be taken with surrender value if policy is less than 3 years old

15%

20%

10%

None of these

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Minimum Cibil score for pre approved schemefor existing car loan borrowers is

760

750

700

780

650

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

One of the following condition is not applicable in case of takeover / balance transfer of housing loans

The firm/ companies engaged in Real Estate business are not eligible under this scheme.

Maximum Loan limit to be sanctioned is upto Rs. 10 Crores

The firm/ company should be incorporated for atleast 5 years.

The firm/ company should be earning the cash profits for last 3 years.

All are correct

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QUIZ 5 OFFICERS BATCH 2023-24

Under Baroda Yodha Auto Loan Proceesing charge is

Maximum loan amount that can be granted for A category of employees in Personal loan is

what is The maximum LTV Ratio for home loan in case sanction of hone loan and Suvidha Loan is conisdered simultaneously for loans upto Rs. 75 Lakhs?

One of the following is not correct about Baroda Home Loan Advantage

What is the margin for loan against LIC policies to be taken with surrender value if policy is less than 3 years old

Minimum Cibil score for pre approved schemefor existing car loan borrowers is

One of the following condition is not applicable in case of takeover / balance transfer of housing loans

Which of the following will not be treated as part of total Net-worth of a company?

In order to avail SME SHORT TERM LOAN following conditions need to be complied.

Total Assets of a partnership concern is Rs 80 lakh. Its net worth and term liabilities are Rs 15 and 20 lakh respectively. Its current liabilities are....

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