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PPT_RTCCAL_RETAIL_TEST7

Total questions: 93

Worksheet time: 2hrs 10mins

Name
Class
Date
1.

The salaried applicant/co-applicant (whose income is considered for Home Loan eligibility) should be employed for a minimum period of

a. 6 months b. 1 year c. 2 years d. 3 years

a)

a

b)

b

c)

c

d)

d

2.

The applicant/co-applicant (whose income is considered for Home Loan eligibility) who is non- salaried should be engaged in the business for a minimum periodof

a. 6 months b. 1 year c. 2 years d. 3 years

a)

a

b)

b

c)

c

d)

d

3.

The applicant/co-applicant (whose income is considered for Home Loan eligibility) who is NRI/PIO/OCA having job contract/work permit/employed/self-employed and staying abroad for the minimum past

a. 6 months b. 1 year c. 2 years d. 3 years

a)

a

b)

b

c)

c

d)

d

4.

1. In Baroda Home Loan, age of Co-borrower should not be less than years. (a) 21 (b) 18 (c) 25 (d) 30 (e) 20

a)

a

b)

b

c)

c

d)

d

5.

What is the minimum Gross Annual Income required per annum for an NRI to be eligible for applying Baroda Home Loan?

a. `2 lacs b. `3 lacs c. `4 lacs d. `5 lacs

a)

a

b)

b

c)

c

d)

d

6.

Which of the combination is correctly matched in regards to maximum limit of Home Loan in our Bank?

a) Mumbai – `10 Cr, b) Other Metros – `5 Cr, c) Urban/Semi urban – `3 Cr, d) Rural – `1 Cr

a)

a

b)

b

c)

c

d)

d

7.

Which of the following is/are not the features of “Baroda Home Loan Suvidha Personal Loan”?

a. For funding life/health/property insurance premium (category-A) and stamp duty/registration/GST and club membership charges (category-B) for regular home loan borrowers

b. Can be availed by the new/existing/take over Home Loan borrowers

c. Margin : 80 % funding for Category-A and 75% funding for Category-B

d. Maximum repayment period as applicable to Home Loan (in case of new) and till the residual period of home loan (in case of existing)

a)

a

b)

b

c)

c

d)

d

8.

Which of the following FOIR is not correctly matched in regards to salaried person applied for housing loan

a) Less than `20,000/- Deduction is 50%

b) 20,000/- and above but less than `50,000/-Deduction is 60%

c) 50,000/- and above but less than `200,000/-Deduction is 65%

d)200,000/- and above but less than `500,000/-Deduction is 70%

e) 500,000/- and above 80%

a)

a

b)

b

c)

c

d)

d

e)

e

9.

For non salaried including NRI maximum deduction are ---?

a)

Upto `6.00 lacs deduction 70%

b)

above `6.00 lacs Deduction 80%

c)

both are correct

d)

None of the above

10.

What is the cut off on CIBIL score for sanction of a Home Loan or Car Loan for existing customers without taking for deviation to RMCC/ZOCC?

a. 750 b. 725 c. 700 d. 675 e. 650

a)

a

b)

b

c)

c

d)

d

11.

1. What is the Home Loan limit for drawing Credit Information Reports from two Credit information companies (CIBIL & Equifax)?

a. Limit above `10 lacs b. Limit above `20 lacs c. Limit above `25 lacs

d. Limit above `30 lacs e. none of these


a)

a

b)

b

c)

c

d)

d

12.

The maximum loan ceiling and repayment period for “Home Improvement loan” is Rs ------ Lacs & ------Years

a)

50, 15

b)

15,50

c)

50,20

13.

As per RBI guidelines which of following LTV combination is not correctly matched ??

a)

Up to `30 lacs Margin 10% & loan 90%

b)

Above `30 lacs and up to 75 lacs Margin 15% & loan 85%

c)

Above `75 lacs Margin 25% & loan 75%

14.

Which of the following combination is not correctly matched in regards to issuance of credit card to home loan borrower

a) Home Loan Limit upto Rs 10.00 Lac : Platinum Visa Card (Max Limit Rs 75,000/-)

b) Home Loan Limit above Rs 10.00 Lac upto Rs 50.00 Lac : Platinum Master Card (Max Limit Rs 1.00 Lac)

c) Home Loan Limit above Rs 50.00 Lac : Prime Card (Max Limit Rs 5.00 Lac)

a)

a

b)

b

c)

c

15.

1. What is the maximum time allowed for completion of construction on a plot purchased under our Housing loan?

(a) 12 months (b) 18 months (c) 1 year (d) 2 years (e) 3 years

a)

a

b)

b

c)

c

d)

d

e)

e

16.

Out of total 168 marks of Home Loan Risk Rating model, what is the cut-off score for the eligibility?

a. 80 b. 84 c. 90 d. 96 e. 105

Note : Investment Grade HL-8

a)

a

b)

bn

c)

c

d)

d

e)

e

17.

Which of the following is/are true for reimbursement of cost of ready-built house/flat under Baroda Home Loan?

a. Purchased within 24 months

b. Risk rating under Home Loan model should be HL-1, HL-2 or HL-3

c. Margin on total cost (for reimbursement) – 25%

d. Branch to verify & keep on record relevant money receipts/bills/proof of payment

e) None of the above

a)

a

b)

b

c)

c

d)

d

e)

e

18.

Prefixed specific dates as EMI (Equated Monthly Installment) dates for all Retail Loans is

a)

1st or 8th or 16th or 24th

b)

1st or 7th or 16th or 25th

c)

1st or 10th or 20th or 25th

d)

1st or 8th or 16th or 25th

19.

If the cost of house/dwelling unit does not exceed , we may add stamp, documentation and registrations charges to the cost of house for the purpose of calculating margin & LTV ratio.

a. `5 lacs b. `10 lacs c. `15 lacs d. `20 lacs e. `25 lacs

a)

a

b)

b

c)

c

d)

d

20.

What is the maximum age limit that can be considered for the borrower under Baroda Home Loan, without deviation ?

a. 60 years b. 65 years c. 70 years d. 75 years e. 80 yers

a)

a

b)

b

c)

c

d)

d

21.

What is the maximum repayment period that can be considered for repayment of Housing Loan?

a) 30 years b) 25 years c) 20 years d) 18 years e) 15 years

a)

a

b)

b

c)

c

d)

d

22.

What is the maximum allowable Moratorium period for our Home Loan?

12 months b. 18 months c. 24 months d. 30 months e. 36 months

a)

a

b)

b

c)

c

d)

d

23.

---- Months moratorium period for houses and building under construction upto 7th floor, thereafter ---- Months additional moratorium per floor subject to maximum of 36 Months

a)

18 , 6

b)

6,6

c)

18,12

d)

12,12

24.

As per the RBI Guidelines, Bank’s exposure to ---- Dwelling Unit onwards to an individual will be treated as CRE (Commercial Real Estate) exposure

a)

2nd

b)

3rd

c)

4th

d)

5th

25.

The minimum amount of loan under Baroda Top-upfacility-

a)`0.25 lacs b) `0.50 lac c) `1.00 lac d) `Rs.2.00 lac e) `5.00 lac

a)

a

b)

b

c)

c

d)

d

26.

How many number of times a borrower can avail Baroda Top-up loan during entire tenure of Home Loan?

a. Once b. twice c. thrice d. 4 times e. 5 times

a)

a

b)

b

c)

c

d)

d

e)

e

27.

The maximum amount of loan that can be sanctioned under Baroda Top-up loan is -------

a)`10 lacs b) `20 lacs c) `100 lacs d) `200lac e) 90% of principal repaid

a)

a

b)

b

c)

c

d)

d

e)

e

28.

What is the stipulated margin under „Baroda Home Improvement Loan‟? a.10% b. 15% c. 20% d. 25% e. 30%

a)

a

b)

b

c)

c

d)

d

e)

e

29.

What is the maximum limit of eligible housing loans under Credit Risk Guarantee Fund Trust Scheme (CRGFS) for low income housing in urban areas?

a. `5.00 lacs b. `6.00 lacs c. `8.00 lacs d. `10.00 lacs e. `15.00 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

30.

No deviation is required in Home Loan borrower cases where Credit card status write-off/ settlement involving amount upto

a. `5,000/- b. `10,000/- c. `15,000/- d. `20,000 e. `25,000/-

a)

a

b)

b

c)

c

d)

d

e)

e

31.

What are the charges applicable towards considering “Deviation” in homeloan?

a. `1,000/- per deviation with a maximum ceiling of`5,000/-

b. `1,500/- per deviation with a maximum ceiling of`5,000/-

c. `2,000/- per deviation with a maximum ceiling of`10,000/-

d. `2,000/- per deviation with a maximum ceiling of`10,000/-

e. `5,000/- uniform charges

a)

a

b)

b

c)

c

d)

d

e)

e

32.

Home loans to individuals for purchase/construction upto in metro centres (10 lacs and above population), provided the overall cost shouldnot exceed to be classified under Priority Sector.

a. `20 lacs, `25 lacs b. `25 lacs, `30 lacs c. `28 lacs, `30 lacs

d `28 lacs, `35 lacs e. `35 lacs, `45 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

33.

Home loans to individuals for purchase/construction upto in other centres ( less than 10 lacs population), provided the overall cost should not exceed to be classified under Priority Sector.

a. `10 lacs, `15 lacs

b. `15 lacs, `20 lacs

c. `20 lacs, `25 lacs

d. `25 lacs, `30 lacs

e. `25 lacs, 35 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

34.

The „in-principle‟ approval given under, Baroda Pre-approved Home Loan‟ shall be valid for –

a. 1 month b. 2 months c. 3 months d. 4 months e. 6 months

a)

a

b)

b

c)

c

d)

d

e)

e

35.

What is the minimum margin stipulated by the bank for Car loan?

5% b. 10% c. 15% d. 20% e. nil margin

a)

a

b)

b

c)

c

d)

d

e)

e

36.

What are the minimum gross annual income criteria for Non-Resident Indians to avail “Baroda Car Loan”?

a. `0.50 lacs b. `1.00 lac c. `2.00 lacs d. `3.00 lacs e. `5.00 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

37.

What is the maximum limit for Baroda Car loan as per scheme guidelines?

a. `20.00 lacs b. `30.00 lacs c. `50.00 lacs d. `75.00 lacs e. `100.00 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

38.

Which of the following is not correct in regards to maximum deduction criterion for availing car loan

a)

Less than `50,000/- 50%

b)

`50,000/- and above but less than `1.50 lacs 70%

c)

`1.50 lacs and above 80%

d)

None of the above

39.

What is the maximum repayment period allowed for Two Wheeler and Consumer Durable Loans?

a) 35 months b) 36 months c) 48 months d) 60 months

a)

a

b)

b

c)

c

d)

d

40.

What is the maximum limit for Two wheeler loan as per schemeguidelines?

b. `75,000/- b. `1.00 lac c. `2.00 lacs d. `5.00 lacs e. `10.00 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

41.

What is the „credit shield‟ factor in case of two-wheeler loans?

a. Vehicle insurance from our tie-up partners

b. Term life insurance or Group credit life insurance at the choice ofborrower

c. Mandatory Term life insurance or Group credit life insurance to all borrowers

d. Mandatory Term life insurance or Group credit life insurance for loans above `1.00lac

e. Mandatory Term life insurance or Group credit life insurance for loans above `3.00lacs

a)

a

b)

b

c)

c

d)

d

e)

e

42.

What is the stipulated minimum margin requirement under Two wheeler loan? a. 10%

b. 15%

c. 10% upto loan limit of `1.00 lac and 15% beyond `1.00 lac

d. 10% upto loan limit of `2.00 lacs and 15% beyond `2.00lacs

e. 10% upto loan limit of `3.00 lacs and 15% beyond `3.00lacs

a)

a

b)

b

c)

c

d)

d

e)

e

43.

How the repayment capacity will be arrived ie, maximum allowable deductions for a non-salaried person under Car Loan?

a. Annual salary to be converted to monthly

b. Three brackets of Average Annual Income – upto `2.40 lacs, `2.40 to `12 lacs & more than

`12 lacs

c. Two brackets of Average Annual Income – upto `6.00 lacs and `6.00 lacs & above

d. Three brackets of Average Annual Income – upto `3.00 lacs, `3.00 to `8 lacs & more than

`8 lacs

e. Two brackets of Average Annual Income – upto `5.00 lacs and more than `5.00 lacs


a)

a

b)

b

c)

c

d)

d

e)

e

44.

What is the maximum pay-out that can be made to a Car dealer?

a. 0.50% b. 1.00% c. 1.50% d. 2.00% e. 2.50%

a)

a

b)

b

c)

c

d)

d

e)

e

45.

What is the Service charge allowed to pay (per car loan) to Sales Executive of Cardealer? a. `1,000/- b. `1,500/- c. `2,000/- d. `2,500/- e. `3,000/-

a)

a

b)

b

c)

c

d)

d

e)

e

46.

What is the cut off on CIBIL score for sanction of a Car Loan? b. 800 b. 760 c. 725 d. 700 e. 660

a)

a

b)

b

c)

c

d)

d

e)

e

47.

What is the cut off on CIBIL score for sanction of a Two wheeler Loan? c. 800 b. 760 c. 725 d. 700 e. 660

a)

a

b)

b

c)

c

d)

d

e)

e

48.

What is the maximum repayment period for a car loan as per scheme guidelines?

36 months b. 48 months c. 60 months d. 84 months e. 120 months

a)

a

b)

b

c)

c

d)

d

e)

e

49.

What is the max and min loan limit under “Top-up Personal Loan” (under pre approved top up loan for existing car loan)?

a. `3 lacs & `1 lac

b. `5 lacs & `1 lac

c. `3 lacs & `2 lacs

d. `5 lacs & `2 lacs

e. `10 lacs & `1 lac

a)

a

b)

b

c)

c

d)

d

e)

e

50.

What is the max and min loan limit under “Top-up car Loan” (under pre approved top up loan for existing car loan)?

a. `5 lacs & `2 lac

b. `5 lacs & `3 lac

c. `10 lacs & `2 lacs

d. `10 lacs & `3 lacs

e. `15 lacs & `2 lac

a)

a

b)

b

c)

c

d)

d

e)

e

51.

What is the maximum age limit (including repayment period) that can be considered for the borrowers of our “Auto Loan” Product?

a)

50

b)

60

c)

70

d)

80

52.

What is the maximum limit as per scheme guidelines under Baroda Scholar Loan?

a. `20 lacs b. `30 lacs c. `40 lacs d. `50 lacs e. `80 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

53.

What is the upper ceiling for Medical & Aviation Education under Baroda Gyan Scheme in our Bank?

e) `30 lacs b). `40 lacs c). `50 lacs d). `60 lacs a) `80 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

54.

What are the margin stipulations under Baroda Gyan Loan beyond `4.00 lacs? a. NIL b. 5% c. 7.50% d. 10%


a)

a

b)

b

c)

c

d)

d

55.

Under Baroda Gyan ”Baroda Education Loan to Students of Premier Institutes‟, what is the collateral free limit in lacs for Premier Institutes (AA Category) ?

a)

40

b)

20

c)

30

d)

25

56.

Special interest concession of 0.50% for girl students is not available under which of the following Schemes?

a. Baroda Vidya

b. Baroda Gyan

c. Loan to the students of Premiere Institutions

d. Baroda Scholar

a)

a

b)

b

c)

c

d)

d

57.

What is the ceiling for family parental annual income to be eligible for subsidy under “Education loan interest subsidy” Scheme?

a. `3.50 lacs b. `4.50 lacs c.`5.50 lacs d. `6.50 lacs

a)

a

b)

b

c)

c

d)

d

58.

What is the maximum loan amount for eligibility of interest subsidy under ELIS Scheme, irrespective of limit sanctioned/availed?

a. `4.50 lacs b. `5.00 lacs c. `7.50 lacs d. `10.00 lacs

a)

a

b)

b

c)

c

d)

d

59.

1. What are the special features of “Padho Pardesh”?

a. For overseas studies for the students belonging to minority communities

b. Family income shall not exceed `6.00 lacs per annum

c. Subsidy is admissible to the max limit of `20.00lacs

d. 100% interest reimbursement upto moratorium period

e. All the above

a)

a

b)

b

c)

c

d)

d

e)

e

60.

Upto what limit an Education loan is classified as Priority Sector irrespective ofsanctioned amount?

a. `5 lacs b) `10 lacs c) `15 lacs d) `20 lacs

a)

a

b)

b

c)

c

d)

d

61.

What is the max limit(lacs) for Executive Development /Part time/ Weekend/Online Programmes offered by Premier Institutions in India?

a)

10

b)

15

c)

20

d)

25

62.

Upto what Collateral Free Loan limit the Executive Development / Part time/ Weekend/Online Programmes offered by Premier Institutions in India ?

a. `5 lacs b. `10 lacs c. `15 lacs d. `20 lacs

a)

a

b)

b

c)

c

d)

d

63.

Senbonzakura Consultancy Pvt Ltd‟ and „BITC Loan Services Pvt Ltd.‟ were in our Bank‟s news. In what way these two Companies are associated with our Bank?

a. Tele caller Agencies for Pre approved Retail loans

b. Digital DSAs for mortgage based Education Loans

c. DSAs for all mortgage based Retail Loans

d. Consultants for our SME business

e. Recovery Agencies exclusively for non-mortgage loans

a)

a

b)

b

c)

c

d)

d

e)

e

64.

What is the maximum loan limit under Baroda Scholar for Executive Development Programmes being offered by premier institutions abroad?

a. `30 lacs b. `40 lacs c. `50 lacs d. `60 lacs e. `80 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

65.

As per general Security Norms in Education Loan (excluding specific products) which is/are correct??

a)

a) Upto Rs 4.00 Lac – Nil

b)

b) Rs 4.00 Lac to Rs 7.5 Lac – Third Party Guarantee

c)

c) Above Rs 4.00 Lac – 100 % Collateral Security

d)

d)

66.

Baroda Skill Loan Scheme- minimum and maximum loan amount is -------- and ---------------

Rs 5,000 to Rs 1,50,000/-

a)

Rs 5,000 to Rs 1,50,000/-

b)

Rs 5,000 to Rs 500000/-

c)

Rs 5,000 to Rs No limit

d)

Rs 5,000 to Rs 80 lacs

67.

What are the minimum gross annual income (average last 3 years) criteria for Resident Indians to avail “Baroda Mortgage Loan”?

a. `0.50 lacs b. `1.00 lac c. `2.00 lacs d. `3.00 lacs e. `5.00 lacs

a)

a

b)

b

c)

c

d)

d

e)

e

68.

What are the minimum gross annual income (average last 3 years) criteria for Non-Resident Indians to avail “Baroda Mortgage Loan”?

a)

1 lacs

b)

2 lacs

c)

3 lacs

d)

5 lacs

69.

While considering Baroda Mortgage loan, normally age of the building should not exceed -------

years

a)

10

b)

25

c)

40

d)

30

70.

Which of the following is NOT true about “Baroda Mortgage Loan”?

a. Minimum gross annual income should be `3.00 lacs for Resident borrowers

b. Activity clearance is dispensed with

c. Minimum gross annual income of `6.00 lacs for the NRIborrowers

d. NRIs are not eligible for ODlimit

a)

a

b)

b

c)

c

d)

d

71.

What is the minimum amount of Overdraft/Term / Demand Loan a borrower should be considered as per scheme guidelines of “Baroda Mortgage Loan”?

a. `50,000/- b. `1,00,000/- c. `2,00,000/- d. `3,00,000/-

a)

a

b)

b

c)

c

d)

d

72.

What is the maximum limit that can be sanctioned under „Baroda Mortgage Loan‟ as per Scheme guidelines?

a)

Metro – `3 Cr Urban – `2 Cr SU – `1 Cr R-0.50 Cr

b)

Metro – `3 Cr Urban – `1 Cr SU – `1 Cr R-0.50 Cr

c)

Metro – `5 Cr Urban – `3 Cr SU – `2 Cr R-01Cr

d)

Metro – `10 Cr Urban – `5 Cr SU – `3 Cr R-0.25 Cr

73.

What is the maximum repayment period for a Term Loan sanctioned under “Baroda Mortgage Loan”?

a. 84 months b. 96 months c. 120 months d. 180 months

a)

a

b)

b

c)

c

d)

d

74.

What is the stipulated margin under “Baroda Mortgage Loan” on the realizable value of the immovable property?

a. 25% b. 30% c. 35% d. 40%

a)

a

b)

b

c)

c

d)

d

75.

What is the minimum percentage of “turnover” in the “Baroda Mortgage OD” limits to continue the facility without any reduction in the sanctioned limits?

a. 15% b. 20% c. 25% d. 30%

a)

a

b)

b

c)

c

d)

d

76.

In case non-compliance of minimum stipulated turnover in the “Baroda Mortgage OD” limits, what are the repayment norms to be applied as if Baroda Mortgage Term Loan?

a. 84 months b. 96 months c. 120 months d. 144 months

a)

a

b)

b

c)

c

d)

d

77.

In case of mortgage loan, income of co-applicants can be combined for higher eligibility, however, number of co-applicants to be restricted up to

a)

1

b)

2

c)

3

d)

5

78.

Which of the following facilities can be considered under Mortgage Loan (for non- individual entities) ?

a. Term Loan

b. Demand Loan

c. Overdraft

d. (b) & (c)

e. (a) &(b)

a)

a

b)

b

c)

c

d)

d

e)

e

79.

For considering Baroda Property Pride, the borrower should be in the line ofactivity/business for a minimum of Years

a)

1

b)

2

c)

3

d)

4

80.

What is the stipulated margin (%)on realizable value of immovable property under „Baroda Trader’s Gold Card Scheme for the trader enjoying Baroda Property Pride facility?

a)

20

b)

25

c)

30

d)

40

81.

Under „Baroda Traders Gold Card Scheme the percentage of additional limit that can be fixed on the sanctioned Baroda Property Pride Limit?

a)

10

b)

15

c)

20

d)

25

82.

How many occasions the additional limit can be allowed under „Baroda Traders Gold Card Scheme‟ in a year?

a)

2

b)

3

c)

4

d)

5

83.

The minimum required Credit Rating for the existing Baroda Property Pride to consider “Gold Card Scheme”?

a)

BTL/BOB-3

b)

BTL/BOB-4

c)

BTL/BOB-5

d)

BTL/BOB-6

84.

Which of the following constitutions not eligible for Baroda Traders Loan?

a)

(a)Individuals

b)

(b) Proprietorship

c)

(c) Pvt. Ltd. Co

d)

D) HUF as a Proprietor/Partner/LLPes

e)

e) Public Limited Compani

85.

What is the maximum age of the building (in Years) to be accepted as security for considering Baroda Ashrey Loan?

a)

25

b)

30

c)

40

d)

10

86.

The minimum age of borrower to be considered for availing Baroda Ashrey is

a)

21

b)

60

c)

70

d)

65

87.

Baroda Ashray Loan, the mortgaged property is to be revalued at an interval of every years during the entire period of loan

a)

1

b)

3

c)

5

d)

7

88.

Credit Card default of small amount ie, less than can be reviewed by the respective authority while considering deviation in Bureau Score.

a)

5000

b)

1000

c)

10000

d)

100000

89.

What are the margin norms under “Baroda Doctors‟ Loan ‟?

a)

20% of cost of project

b)

Upto `5 lacs 25% and above `5 lacs 15% of cost of project

c)

Upto `5 lacs 25% and above `5 lacs 10% of cost of project

d)

Upto `5 lacs 20% and above `5 lacs 10% of cost of project

90.

What are the maximum eligible limits under “Baroda Doctors‟ Loan”?

a)

5.00 lacs for R/SU and `30.00 lacs for Urban/Metro

b)

15.00 lacs for R/SU and `50.00 lacs forUrban/Metro

c)

10.00 lacs for R/SU and `50.00 lacs forUrban/Metro

d)

25.00 lacs for R/SU and `75.00 lacs for Urban/Metro

91.

Maximum limit of loan (lacs) can be sanctioned by branch against KVP

a)

5

b)

2

c)

3

d)

4

e)

1

92.

Maximum limit assigned for “Car Loan” under Pre-approved Limits (lacs) ?

a)

1

b)

5

c)

10

d)

20

93.

Which of the following is authorized to accept 12 years Search Report (NEC) of the property in SRO instead of 30 years, in respect of mortgage based Retail Loans upto `3.00 Cr

a)

Branch head

b)

Regional Head

c)

Zonal head

d)

SMS head