RO Credit Heads

Implementation of Paperless Office through paperless Phase 1st in RETAIL LOANS (effective from 01.10.2024)-which cases is not applicable………?

• Concession
• Deviations
• Permission to study in USA
• Retail Loan Sanction to higher authorities (RO/ZO/BCC)

What is the CMR benchmark for funding under FRR is allowed?

• Upto CMR 5
• Upto CMR 6
• Upto CMR 7
• Upto CMR 4

No Fresh / Incremental business will be allowed in all retail loans CMR ………..rated accounts

• CMR 6 & below
• CMR 7 & below
• CMR 8 & below
• CMR 5 & below

As per latest mortgage loan guidelines for the Ticket size …………….. shall be taken into consideration instead of present location of branch where loan is considered to be parked underBML scheme for both cases?

• Location of branches
• As per government guidelines i.e. census
• Location of property offered as security
• None of the above

Revised Home Loan FOIR for GMI slab from Rs.50000/- & above but less than Rs.1.00 Lacs is

• 65
• 60
• 50
• 40

Revised Home Loan FOIR for GMI slab from Rs.200000/- & above

• 80
• 75
• 70
• 65

Release of movable/Immovable security charged to repayment/settlement of Mortgage Based Retail Loans within a period of ………..days.

• 7
• 15
• 30
• 45

What is the penalty to be paid for delay in release of movable/Immovable security charged beyond 30 days as acompensate to the borrower is Rs.

• 5000 for each day of delay
• 25000 for each day of delay
• 10000 for each day of delay
• 15000 for each day of delay

Baroda Home Loan to Corporates -Company /Firm should be incorporated for at least ……..year/years.

• 1
• 3
• 5
• 2

Baroda Home Loan to Corporates -Company /Firm should be actively engaged in business activities for at least ………..year/years.

• 1
• 2
• 3
• 5