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PPT Retro I , December 2022

Total questions: 101

Worksheet time: 51mins

Name
Class
Date
1.

A BKCC farmer is having limit of Rs 450000/- may be sanctioned Tatkal Loan of Rs ______ for his immediate need.

a)

50000

b)

100000

c)

200000

d)

225000

2.

Under CGTMSE, the maximum eligible guarantee cap is Rs. ?

a)

200 LACS

b)

100 LACS

c)

1 LAC

d)

250 LACS

3.

Age of the principal borrower should not be less than ------- years while considering Housing Loan.

a)

18

b)

20

c)

21

d)

25

4.

A Green Category BKCC borrower is eligible for concession of _____% in applicable rate of interest

a)

0.10

b)

0.25

c)

0.50

d)

No Concession

5.

Account holders of Baroda Senior Citizen Privilege SB Account get ____ % waiver in processing fees of Reverse mortgage Loan

a)

25

b)

50

c)

75

d)

100

6.

Accumulated loss is reflected

a)

On Asset side of Balance Sheet

b)

On Liability side of Balance Sheet

c)

On P&L a/c. debit side

d)

Adjusted from gross profit in P&L A/c

7.

An existing BKCC holder who has sanctioned limit Rs 12 Lacs and Drawing power Rs 8.45 Lacs required urgent financial assistance for creating Shed for temporary storage. For that purpose what amount can be sanctioned under Tatkal Loan scheme whereas Investment line permits upto 9 Lacs:

a)

1 Lac

b)

2 Lac

c)

3 Lac

d)

4 Lac

8.

For applying Personal loan, the prospective borrower must be employed at least for the last___ Months

a)

6

b)

12

c)

18

d)

24

9.

An organization is said to be liquid if

a)

it has sufficient cash to meet its total outside liabilities

b)

90% of its resources constitute as owner’s stake

c)

it can meet its current liabilities out of its current assets

d)

all the current assets are fully liquid nature

10.

Discount on locker charges for accounts opened in Baroda Salary Premium Sb Account

a)

10%

b)

15%

c)

20%

d)

25%

11.

Baroda Kisan Tatkal Loan can be availed by

a)

Any Farmer

b)

Any Farmer who is existing BKCC holder

c)

A group of agri graduates running Agri clinics

d)

Any BKCC borrower having satisfactory track record for minimum three years

12.

No of cheque leaves free annually under Baroda Salary Privilege Sb Account is

a)

50

b)

100

c)

150

d)

200

13.

"E" in "CEMU" stands for

a)

Enforcement

b)

External

c)

Exepmted

d)

Exception

14.

Bank has to make disbursal of MSE loan within how many maximum working days from date of compliance of all terms and conditions of sanction

a)

1

b)

2

c)

7

d)

12

15.

What is the maximum credit balance in Minor’s a/c aged 10-14 years as per our bank's guideline

a)

5000

b)

50000

c)

100000

d)

500000

16.

Pension is granted to the widow / widower and where there is no widow/ widower to the children of a Government servant is known as?

a)

Regular pension

b)

Government Pension

c)

Defense pension

d)

Family Pension

17.

Farmer with irrigated land holdings of above 6 acres but less than 10 acres , the repayment period for tractor loan is _____

a)

6-9 yrs

b)

7-9 yrs

c)

8-9 yrs

d)

5-9 yrs

18.

Which section of Negotiable Instruments Act 1881, deals with penalties in case of dishonour of cheques

a)

6

b)

1

c)

81

d)

138

19.

CREMON are to be submitted in all accounts with exposure of

a)

Rs 100 lacs & above

b)

above Rs 100 lacs

c)

Rs 200 lacs & above

d)

above Rs 200 lacs

20.

In Baroda Champ savings account, short deposit under FFD is opened for a minimum of ___

a)

Rs. 2500/-

b)

Rs. 5000/-

c)

Rs. 7500/-

d)

Rs. 10000/

21.

For extending finance under Agriculture by Urban & Metro branches; what is the maximum distance criteria (in a cluster apporach)?

a)

15 km

b)

20km

c)

25km

d)

30km

22.

What is the maximum number of endorsements that are allowed on a Negotiable Instrument?

a)

1

b)

2

c)

3

d)

No such limit

23.

Current Ratio is a

a)

Profitability Ratio

b)

Liquidity Ratio

c)

Solvency Ratio

d)

Leverage ratio

24.

Within how many days Principal officer has to report to FIUIND on arriving to conclusion that transaction is of suspicious nature?

a)

4 Days

b)

7 days

c)

15 days

d)

30 days

25.

What is the stipulated margin under “Baroda Home Improvement Loan”?

a)

10%

b)

15%

c)

20%

d)

25%

26.

In Agri clinic & Agri Business the margin requirements upto credit limit of Rs 5 Lacs are

a)

10%

b)

15%

c)

20%

d)

NIL

27.

Documents related to advance sanctioned should be vetted by Law Officer posted at Region/Zone if total exposure (Funded plus Non- Funded) is

a)

Above Rs 2.00 Cr

b)

Rs 2.00 Cr & above

c)

Above Rs 1.00 Cr

d)

Rs 10.00 lacs & above

28.

The Reserve Bank of India Act,1934 does not deal with:

a)

Financial supervision of banks

b)

Policy planning of cooperative banks

c)

management of forex

d)

capital management and business of banks

29.

Maximum period of deposit in BARODA Rupee Linked Foreign Currency Deposit for NRI ACCOUNT is

a)

12 months

b)

18 months

c)

24 months

d)

36 months

30.

Maximum period of deposit in BARODA Rupee Linked Foreign Currency Deposit for NRI ACCOUNT is

a)

12 months

b)

18 months

c)

24 months

d)

36 months

31.

For what purpose, we can grant working capital term loan?

a)

Purchase of fixed assets

b)

Repayment of Term Loan

c)

To meet with shortfall in NWC

d)

For purchase of current assets

32.

In case of dairy finance, for any viable unit the minimum __________ milch cattle to be financed.

a)

5

b)

10

c)

2

d)

4

33.

The debt recoverable through DRT has to be

a)

Secured

b)

Clean finance

c)

Unsecured

d)

Any one of the above

34.

Are pre closure charges applicable to Baroda Auto loan scheme ?

a)

Yes ; only for non individuals for 6 months

b)

No

c)

Yes

d)

Yes for individuals only for 6 months

35.

How many formats are available as on now in MSME LLPS ?

a)

9

b)

6

c)

5

d)

8

36.

The branch to credit the proceeds of pre mature withdrawal of deposits greater than Rs. 1.00 cr. Within____ days after receiving the request

a)

Same day

b)

10 days

c)

15 days

d)

31 days

37.

In new BKCC farmer is eligible for marketing loan against the storage of his own produce with maximum limit

a)

25 lacs

b)

5 lacs

c)

50 lacs

d)

15 lacs

38.

Regards to the AML-KYC guidelines, “CFT” stands for:-

a)

Combating Financing of Terrorism

b)

Cheque Frauds Truncation

c)

Combating Frauds & Terrorist activities

d)

Combating Fraudulent Transactions

39.

Certifying the structural soundness as well as residual life of the building which should be at least ........... years more than the repayment period in case of purchase of old house between 20 to 25 years

a)

15

b)

20

c)

5

d)

10

40.

Sukanya samridhi account mature on completion of period of _____Years from the date of account opening.

a)

10

b)

15

c)

18

d)

21

41.

Incentive paid to BCs & BFs on canvasing fresh Gold Loan accounts 0.10% of the Loan amount subject to minimum of Rs.______ per account.

a)

100

b)

200

c)

250

d)

350

42.

If the profit & Loss Account shows net loss, it means that to the extent of such loss

a)

the revenues are lost

b)

the equity is lost

c)

the book debts are lost

d)

the creditors are lost

43.

The Capital Gains Deposit Scheme is not operative at which of the below branches

a)

Metro

b)

Urban

c)

Rural

d)

It is operative at all branches

44.

Golden Jubilee Rural Housing Finance Scheme (GJRHF) & Pradhan Mantri Awas Yojana (PMAY) have been implemented as per ................. guidelines.

a)

Govt. of India

b)

RBI

c)

BOB

d)

NABARD

45.

Introduction of prudential norms in advances accounts were recommended by

a)

Narang Committee

b)

Mitra Committee

c)

Narasimhan Committee

d)

Kannan committee

46.

Margin in case of Old Four wheeler loan under agriculture scheme is

a)

15%

b)

20%

c)

25%

d)

40%

47.

In case of credit audit, rectification/ compliance is to be submitted by the branch to RO/ZO, within --------- days.

a)

3

b)

7

c)

10

d)

15

48.

Manufacturing Account shows

a)

Direct cost of production

b)

cost of goods sold

c)

administrative expenses

d)

all the above

49.

Loan amount cannot exceed ______% of the balance at credit at the end of 2nd preceding year of PPF account

a)

20

b)

25

c)

30

d)

50

50.

If Mr. x has taken a housing loan and his flat is on 9th floor, building is under construction.As per guideline maximum moratorium period can be ____ months.

a)

18

b)

24

c)

30

d)

36

51.

Maximum loan limit under priority sector loan against security of gold ornaments is

a)

Rs 5 lac

b)

Rs 10 lacs

c)

Rs 20 lacs

d)

Rs 25 lacs

52.

In PPF account only ____ withdrawal can be taken in a financial year up to maturity.

a)

1

b)

2

c)

3

d)

4

53.

In case of auto loan to corporates, minimum tangible net worth should be ____ times of loan requested

a)

2

b)

10

c)

5

d)

No such criterion

54.

In case of Mortgage the ownership of security remains with the

a)

Lender

b)

Borrower

c)

Both

d)

security owner

55.

In case of multiple deviation to be taken for Car loan , one at RMCC and other at ZOCC then

a)

all deviations to be considered at higher level ie ZOCC

b)

all deviations to be considered at lower level ie RMCC

c)

loan would be rejected

d)

if one is considered by ROCC then other at ZOCC

56.

Menu for entering the data related to natural calamity in Finacle is

a)

CALAMITY

b)

DISASTER

c)

NCLMTXN

d)

HCLMTXN

57.

D is having a Savings Bank account. He wishes to appoint another person V to operate the account in his absence. Then D can give:

a)

Power of Attorney in favor of V

b)

A Letter of Authority in favor of V

c)

Either a) or b) above

d)

None of the above

58.

Default sweep period in FINACLE for Baroda Premium Current account Privilege(BPCAP) is

a)

15 days

b)

30 days

c)

45 days

d)

60 days

59.

For opening accounts in the case of Joint Hindu Undivided Family (JHUF), the following document/s is/are important

a)

Declaration of all family members

b)

Declaration of the Karta of the family

c)

Declaration of all guardians on behalf of minors

d)

Declaration can be exempted as per Hindu Succession Act

60.

Maximum permissible limit for corporates under Baroda Auto Loan is

a)

Rs. 1.00 crore per party per year

b)

Rs. 10.00 crore per party per year

c)

no such criteria

d)

depends on ITR

61.

Our Bank targeted to add _____ new farmers during 1.5 months in 'JODEN KISAN - RABI- 2019' campaign for period 01.11.2019 to 15.12.2019.

a)

75000

b)

100000

c)

101295

d)

150000

62.

For Baroda Advantage Saving Bank If Average Quarterly Balance - above _____ lacs, no amount is charged for cheque book issuance.

a)

Rs. 50000/-

b)

Rs. 100000/-

c)

Rs. 150000/-

d)

Rs. 200000/-

63.

Bank has to give its decision for transfer of borrowal account on the request received from customer or from the bank/ financial institution that proposes to take over the account within how much time?

a)

1 Week

b)

2 Week

c)

3 Week

d)

4 Week

64.

Mrs. Manju is a family pensioner havign pension account in your branch. Her age is 71 years. She approched your branch for pension loan. How much maximum loan you can sanction?

a)

1 lac

b)

1.5 lacs

c)

loan cant be sanctioned

d)

5lacs

65.

Repayment period under financing Mini Dairy Units scheme is

a)

0-3 year

b)

1-5 year

c)

3-5 year

d)

5-7 year

66.

A Prospectus can be issued

a)

Before formation of the company

b)

Only after the Incorporation of the Company

c)

At the discretion of the Registrar of Companies

d)

At any time.

67.

Under Baroda SB No Frill Account – NREGA, while sanctioning of OD facility, branch must inquire and record

a)

Name of family members and their networth.

b)

Economic activity and family income of the account holder.

c)

Property to be mortgaged

d)

Bank account details

68.

Which of the following tie up partner had launched program for feeding hungry children

a)

Chola Mandalam

b)

Tata AIA

c)

Max Bupa

d)

Star health

69.

Scheme Code for opening Two Wheeler loan to Farmer is

a)

LA416

b)

LA426

c)

LA427

d)

LA438

70.

Which of the following is not true for Policy Tracking System (PTS)

a)

Branches can view the current fund value of the policy holders

b)

Branches can view their commission earned for a period

c)

Premium Calculator is also available

d)

The feature is introduced for Standalone Health insurance

71.

Reimbursement of expenses already incurred for Houses / Flats constructed /purchased can be reimbursed if purchased within .........months.

a)

24

b)

18

c)

36

d)

60

72.

Validity Period of a cheque is of --------- months

a)

3

b)

4

c)

6

d)

12

73.

The advance value of gold is advised to operating units on daily basis by

a)

Head-Gold Loan

b)

Chief Risk Officer

c)

ALCO

d)

Treasury Dept

74.

Which of the following is not a feature of fleix health product?

a)

Flexi sum insured

b)

flexi premium payment options

c)

flexi sum insured restoration

d)

36 month waiting period of pre-existing disease

75.

Section 138 of Negotiable Instruments Act, 1881 is a very resourceful & cost effective legal tool in recovery of dues from ……………... customers.

a)

Standard

b)

NPA

c)

Doubtful

d)

Defaulting

76.

The account is to be brought into credit once in ____days under Baroda Salary Classic S/B a/c

a)

30

b)

60

c)

90

d)

180

77.

The maximum amount of loan that can be granted against an Old Four Wheeler to Farmer is

a)

10 lac

b)

15 lac

c)

50 lac

d)

100 lac

78.

What is the waiting period for lodging of claim in Chola Group Credit Linked Cancer Care Insurance?

a)

90 Days

b)

100 Days

c)

120 Days

d)

150 Days

79.

Exchange for Demand draft and Banker’s cheque for Baroda Premium current account holder is

a)

25 % discount

b)

50 % discount

c)

100 % discount

d)

No discount

80.

What is the premium amount per lac for getting life insurance cover under Baroda Jeevan Suraksha age group 50 year to 60 years? (excluding GST)

a)

Rs.400

b)

Rs.676

c)

Rs.500

d)

Rs.800

81.

The maximum repayment period that can be granted for a Old Four Wheeler loan to Farmer is

a)

4 Yrs

b)

5 Yrs

c)

7 Yrs

d)

10 Yrs

82.

Card less cash withdrawal through BOB ATM option in MConnect Plus is known as

a)

E-Cash

b)

Cash on Mobile

c)

Digi-Cash

d)

Mobile ATM

83.

CNP stands for

a)

Card not present

b)

Card now present

c)

Card now for payment

d)

Card not for payment

84.

Depository services in our bank is supported by back office software called

a)

DEMAT

b)

DEMOS

c)

DEBOS

d)

DEMAS

85.

full form of BCMS is

a)

baroda cash management system

b)

baroda cash management service

c)

baroda cash maintenance service

d)

baroda cash maintenance system

86.

full form of NACH is

a)

National automated cheque house

b)

National automated clearing house

c)

National automatic cheque house

d)

National automatic clearing house

87.

Which menu will generate list of o/s Suspense and clearing enteries ?

a)

MSGOIRP

b)

HMSGOIRP

c)

HMSGIRP

d)

MSGIRP

88.

Which menu is used to handle Over the counter GST payments received?

a)

CGST

b)

SGST

c)

HGST

d)

GST

89.

By which menu can we see the Scheme type wise total balances, Fund Based and Non fund Based and the Number of Accounts

a)

HCCI

b)

HCUSUM

c)

HTACBSH

d)

DORACTR

90.

The Minimum and Maximum Period for which the FCNR (B) Deposit for NRIs could be opened is ------------ and -------------- respectively

a)

12 Months and 60 Months

b)

12 Months and 24 Months

c)

6 Months and 60 Months

d)

12 Months and 36 Months

91.

The minimum threshold limit for all the remittances where furnishing of PAN number is mandatory in Liberalized Remittance scheme is

a)

25000 USD

b)

10000 USD

c)

5000 USD

d)

Compulsory for all the remittances irrespective of the amount

92.

What is the Classification for -Principal or Interest payment or any other amount wholly or partly overdue between 0-30 dys

a)

SMA-1

b)

SMA-0

c)

SMA -2

d)

Loss

93.

When a assets has remained NPA for a period less than or equal to 12 months,It is known as

a)

Doubtful Asset

b)

Loss Assets

c)

Sub-standard Assets

d)

Standard Assets

94.

Re-schedulement may be done in which accounts

a)

Standard

b)

Sub standard

c)

Doubtful

d)

All the options

95.

In cases of CC / OD account, where the outstanding balance in the principal operating account is less than the sanctioned limit/ drawing power, but there are no credits continuously for 90 days as on the date of Balance Sheet, then the account is called as ______.

a)

Early Warning Signal

b)

Out of Order

c)

Overdue

d)

NPA

96.

The installment of principal or interest thereon remains overdue for ______ Crop season for short duration crops, then the account is called as NPA.

a)

One

b)

Two

c)

Three

d)

Four

97.

In case of ‘Compromise Proposal for NPA Account’ while computation of NPV, the average of the two valuations may be taken if the difference between valuations arrived at by both the valuers is not more than ___%

a)

10

b)

15

c)

20

d)

25

98.

Compromise Proposal, Power of Sacrifice (Write Off only) – Discretionary Power to grant sacrifice by Credit Approval Committee of Board (CACB) is up to Rs _______

a)

1500

b)

2500

c)

5000

d)

6000

99.

Mr Prakash, DRO, has recently undergone Retail and Marketing Level II training. He and his fellow participants were asked to do mystery shopping at other nearby private and PSB bank branches. He observed that the services offered by some of the banks are much higher than us. The staff there are very patient while dealing with the customers. He informs this to his BM, what should his BM do?

a)

He should appreciate the effort of Mr Prakash and should incorporate good things in our bank as well.

b)

He should let it go as they are private banks and we are PSB

c)

He should scold Prakash and ask him to focus on work and not pass his time

d)

He should tell Prakash that he is free to do whatever he can do but others will not change as they are paid less.

100.

How many accounts maximum can be linked to Bank of

Baroda Debit card

a)

10

b)

9

c)

5

d)

1

101.

The Minimum amount that can be loaded in a Baroda Reloadable card is Rs. ___ /-

a)

100

b)

500

c)

5000

d)

1000