Font size
WorksheetsPPT Retro I , December 2022
Total questions: 101
Worksheet time: 51mins
A BKCC farmer is having limit of Rs 450000/- may be sanctioned Tatkal Loan of Rs ______ for his immediate need.
50000
100000
200000
225000
Under CGTMSE, the maximum eligible guarantee cap is Rs. ?
200 LACS
100 LACS
1 LAC
250 LACS
Age of the principal borrower should not be less than ------- years while considering Housing Loan.
18
20
21
25
A Green Category BKCC borrower is eligible for concession of _____% in applicable rate of interest
0.10
0.25
0.50
No Concession
Account holders of Baroda Senior Citizen Privilege SB Account get ____ % waiver in processing fees of Reverse mortgage Loan
25
50
75
100
Accumulated loss is reflected
On Asset side of Balance Sheet
On Liability side of Balance Sheet
On P&L a/c. debit side
Adjusted from gross profit in P&L A/c
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:
1 Lac
2 Lac
3 Lac
4 Lac
For applying Personal loan, the prospective borrower must be employed at least for the last___ Months
6
12
18
24
An organization is said to be liquid if
it has sufficient cash to meet its total outside liabilities
90% of its resources constitute as owner’s stake
it can meet its current liabilities out of its current assets
all the current assets are fully liquid nature
Discount on locker charges for accounts opened in Baroda Salary Premium Sb Account
10%
15%
20%
25%
Baroda Kisan Tatkal Loan can be availed by
Any Farmer
Any Farmer who is existing BKCC holder
A group of agri graduates running Agri clinics
Any BKCC borrower having satisfactory track record for minimum three years
No of cheque leaves free annually under Baroda Salary Privilege Sb Account is
50
100
150
200
"E" in "CEMU" stands for
Enforcement
External
Exepmted
Exception
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
1
2
7
12
What is the maximum credit balance in Minor’s a/c aged 10-14 years as per our bank's guideline
5000
50000
100000
500000
Pension is granted to the widow / widower and where there is no widow/ widower to the children of a Government servant is known as?
Regular pension
Government Pension
Defense pension
Family Pension
Farmer with irrigated land holdings of above 6 acres but less than 10 acres , the repayment period for tractor loan is _____
6-9 yrs
7-9 yrs
8-9 yrs
5-9 yrs
Which section of Negotiable Instruments Act 1881, deals with penalties in case of dishonour of cheques
6
1
81
138
CREMON are to be submitted in all accounts with exposure of
Rs 100 lacs & above
above Rs 100 lacs
Rs 200 lacs & above
above Rs 200 lacs
In Baroda Champ savings account, short deposit under FFD is opened for a minimum of ___
Rs. 2500/-
Rs. 5000/-
Rs. 7500/-
Rs. 10000/
For extending finance under Agriculture by Urban & Metro branches; what is the maximum distance criteria (in a cluster apporach)?
15 km
20km
25km
30km
What is the maximum number of endorsements that are allowed on a Negotiable Instrument?
1
2
3
No such limit
Current Ratio is a
Profitability Ratio
Liquidity Ratio
Solvency Ratio
Leverage ratio
Within how many days Principal officer has to report to FIUIND on arriving to conclusion that transaction is of suspicious nature?
4 Days
7 days
15 days
30 days
What is the stipulated margin under “Baroda Home Improvement Loan”?
10%
15%
20%
25%
In Agri clinic & Agri Business the margin requirements upto credit limit of Rs 5 Lacs are
10%
15%
20%
NIL
Documents related to advance sanctioned should be vetted by Law Officer posted at Region/Zone if total exposure (Funded plus Non- Funded) is
Above Rs 2.00 Cr
Rs 2.00 Cr & above
Above Rs 1.00 Cr
Rs 10.00 lacs & above
The Reserve Bank of India Act,1934 does not deal with:
Financial supervision of banks
Policy planning of cooperative banks
management of forex
capital management and business of banks
Maximum period of deposit in BARODA Rupee Linked Foreign Currency Deposit for NRI ACCOUNT is
12 months
18 months
24 months
36 months
Maximum period of deposit in BARODA Rupee Linked Foreign Currency Deposit for NRI ACCOUNT is
12 months
18 months
24 months
36 months
For what purpose, we can grant working capital term loan?
Purchase of fixed assets
Repayment of Term Loan
To meet with shortfall in NWC
For purchase of current assets
In case of dairy finance, for any viable unit the minimum __________ milch cattle to be financed.
5
10
2
4
The debt recoverable through DRT has to be
Secured
Clean finance
Unsecured
Any one of the above
Are pre closure charges applicable to Baroda Auto loan scheme ?
Yes ; only for non individuals for 6 months
No
Yes
Yes for individuals only for 6 months
How many formats are available as on now in MSME LLPS ?
9
6
5
8
The branch to credit the proceeds of pre mature withdrawal of deposits greater than Rs. 1.00 cr. Within____ days after receiving the request
Same day
10 days
15 days
31 days
In new BKCC farmer is eligible for marketing loan against the storage of his own produce with maximum limit
25 lacs
5 lacs
50 lacs
15 lacs
Regards to the AML-KYC guidelines, “CFT” stands for:-
Combating Financing of Terrorism
Cheque Frauds Truncation
Combating Frauds & Terrorist activities
Combating Fraudulent Transactions
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
15
20
5
10
Sukanya samridhi account mature on completion of period of _____Years from the date of account opening.
10
15
18
21
Incentive paid to BCs & BFs on canvasing fresh Gold Loan accounts 0.10% of the Loan amount subject to minimum of Rs.______ per account.
100
200
250
350
If the profit & Loss Account shows net loss, it means that to the extent of such loss
the revenues are lost
the equity is lost
the book debts are lost
the creditors are lost
The Capital Gains Deposit Scheme is not operative at which of the below branches
Metro
Urban
Rural
It is operative at all branches
Golden Jubilee Rural Housing Finance Scheme (GJRHF) & Pradhan Mantri Awas Yojana (PMAY) have been implemented as per ................. guidelines.
Govt. of India
RBI
BOB
NABARD
Introduction of prudential norms in advances accounts were recommended by
Narang Committee
Mitra Committee
Narasimhan Committee
Kannan committee
Margin in case of Old Four wheeler loan under agriculture scheme is
15%
20%
25%
40%
In case of credit audit, rectification/ compliance is to be submitted by the branch to RO/ZO, within --------- days.
3
7
10
15
Manufacturing Account shows
Direct cost of production
cost of goods sold
administrative expenses
all the above
Loan amount cannot exceed ______% of the balance at credit at the end of 2nd preceding year of PPF account
20
25
30
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.
18
24
30
36
Maximum loan limit under priority sector loan against security of gold ornaments is
Rs 5 lac
Rs 10 lacs
Rs 20 lacs
Rs 25 lacs
In PPF account only ____ withdrawal can be taken in a financial year up to maturity.
1
2
3
4
In case of auto loan to corporates, minimum tangible net worth should be ____ times of loan requested
2
10
5
No such criterion
In case of Mortgage the ownership of security remains with the
Lender
Borrower
Both
security owner
In case of multiple deviation to be taken for Car loan , one at RMCC and other at ZOCC then
all deviations to be considered at higher level ie ZOCC
all deviations to be considered at lower level ie RMCC
loan would be rejected
if one is considered by ROCC then other at ZOCC
Menu for entering the data related to natural calamity in Finacle is
CALAMITY
DISASTER
NCLMTXN
HCLMTXN
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:
Power of Attorney in favor of V
A Letter of Authority in favor of V
Either a) or b) above
None of the above
Default sweep period in FINACLE for Baroda Premium Current account Privilege(BPCAP) is
15 days
30 days
45 days
60 days
For opening accounts in the case of Joint Hindu Undivided Family (JHUF), the following document/s is/are important
Declaration of all family members
Declaration of the Karta of the family
Declaration of all guardians on behalf of minors
Declaration can be exempted as per Hindu Succession Act
Maximum permissible limit for corporates under Baroda Auto Loan is
Rs. 1.00 crore per party per year
Rs. 10.00 crore per party per year
no such criteria
depends on ITR
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.
75000
100000
101295
150000
For Baroda Advantage Saving Bank If Average Quarterly Balance - above _____ lacs, no amount is charged for cheque book issuance.
Rs. 50000/-
Rs. 100000/-
Rs. 150000/-
Rs. 200000/-
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?
1 Week
2 Week
3 Week
4 Week
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?
1 lac
1.5 lacs
loan cant be sanctioned
5lacs
Repayment period under financing Mini Dairy Units scheme is
0-3 year
1-5 year
3-5 year
5-7 year
A Prospectus can be issued
Before formation of the company
Only after the Incorporation of the Company
At the discretion of the Registrar of Companies
At any time.
Under Baroda SB No Frill Account – NREGA, while sanctioning of OD facility, branch must inquire and record
Name of family members and their networth.
Economic activity and family income of the account holder.
Property to be mortgaged
Bank account details
Which of the following tie up partner had launched program for feeding hungry children
Chola Mandalam
Tata AIA
Max Bupa
Star health
Scheme Code for opening Two Wheeler loan to Farmer is
LA416
LA426
LA427
LA438
Which of the following is not true for Policy Tracking System (PTS)
Branches can view the current fund value of the policy holders
Branches can view their commission earned for a period
Premium Calculator is also available
The feature is introduced for Standalone Health insurance
Reimbursement of expenses already incurred for Houses / Flats constructed /purchased can be reimbursed if purchased within .........months.
24
18
36
60
Validity Period of a cheque is of --------- months
3
4
6
12
The advance value of gold is advised to operating units on daily basis by
Head-Gold Loan
Chief Risk Officer
ALCO
Treasury Dept
Which of the following is not a feature of fleix health product?
Flexi sum insured
flexi premium payment options
flexi sum insured restoration
36 month waiting period of pre-existing disease
Section 138 of Negotiable Instruments Act, 1881 is a very resourceful & cost effective legal tool in recovery of dues from ……………... customers.
Standard
NPA
Doubtful
Defaulting
The account is to be brought into credit once in ____days under Baroda Salary Classic S/B a/c
30
60
90
180
The maximum amount of loan that can be granted against an Old Four Wheeler to Farmer is
10 lac
15 lac
50 lac
100 lac
What is the waiting period for lodging of claim in Chola Group Credit Linked Cancer Care Insurance?
90 Days
100 Days
120 Days
150 Days
Exchange for Demand draft and Banker’s cheque for Baroda Premium current account holder is
25 % discount
50 % discount
100 % discount
No discount
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)
Rs.400
Rs.676
Rs.500
Rs.800
The maximum repayment period that can be granted for a Old Four Wheeler loan to Farmer is
4 Yrs
5 Yrs
7 Yrs
10 Yrs
Card less cash withdrawal through BOB ATM option in MConnect Plus is known as
E-Cash
Cash on Mobile
Digi-Cash
Mobile ATM
CNP stands for
Card not present
Card now present
Card now for payment
Card not for payment
Depository services in our bank is supported by back office software called
DEMAT
DEMOS
DEBOS
DEMAS
full form of BCMS is
baroda cash management system
baroda cash management service
baroda cash maintenance service
baroda cash maintenance system
full form of NACH is
National automated cheque house
National automated clearing house
National automatic cheque house
National automatic clearing house
Which menu will generate list of o/s Suspense and clearing enteries ?
MSGOIRP
HMSGOIRP
HMSGIRP
MSGIRP
Which menu is used to handle Over the counter GST payments received?
CGST
SGST
HGST
GST
By which menu can we see the Scheme type wise total balances, Fund Based and Non fund Based and the Number of Accounts
HCCI
HCUSUM
HTACBSH
DORACTR
The Minimum and Maximum Period for which the FCNR (B) Deposit for NRIs could be opened is ------------ and -------------- respectively
12 Months and 60 Months
12 Months and 24 Months
6 Months and 60 Months
12 Months and 36 Months
The minimum threshold limit for all the remittances where furnishing of PAN number is mandatory in Liberalized Remittance scheme is
25000 USD
10000 USD
5000 USD
Compulsory for all the remittances irrespective of the amount
What is the Classification for -Principal or Interest payment or any other amount wholly or partly overdue between 0-30 dys
SMA-1
SMA-0
SMA -2
Loss
When a assets has remained NPA for a period less than or equal to 12 months,It is known as
Doubtful Asset
Loss Assets
Sub-standard Assets
Standard Assets
Re-schedulement may be done in which accounts
Standard
Sub standard
Doubtful
All the options
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 ______.
Early Warning Signal
Out of Order
Overdue
NPA
The installment of principal or interest thereon remains overdue for ______ Crop season for short duration crops, then the account is called as NPA.
One
Two
Three
Four
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 ___%
10
15
20
25
Compromise Proposal, Power of Sacrifice (Write Off only) – Discretionary Power to grant sacrifice by Credit Approval Committee of Board (CACB) is up to Rs _______
1500
2500
5000
6000
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?
He should appreciate the effort of Mr Prakash and should incorporate good things in our bank as well.
He should let it go as they are private banks and we are PSB
He should scold Prakash and ask him to focus on work and not pass his time
He should tell Prakash that he is free to do whatever he can do but others will not change as they are paid less.
How many accounts maximum can be linked to Bank of
Baroda Debit card
10
9
5
1
The Minimum amount that can be loaded in a Baroda Reloadable card is Rs. ___ /-
100
500
5000
1000
