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Retail Loan & TPP

Total questions: 50

Worksheet time: 25mins

Name
Class
Date
1.

FOIR stads for-

a)

Fixed obligation to Income Ratio

b)

Future obligation and Income Ratio

c)

Future operation from Income ratio

d)

Fixed operation from Income Ratio

2.

For Baroda Home Loan Applicant(If salaried) should be employed for a period of ...........year/s.

a)

One

b)

Two

c)

Three

d)

No such guidelines.

3.

For availing baroda Home Loan , the minimum income of NRI applicants should be......

a)

3 Lacs

b)

5 Lacs

c)

2 Lacs

d)

10 Lacs

4.

Minimum age of co-applicant under Baroda Home Loan-

a)

21 Years

b)

18 Years

c)

25 years

d)

16 years.

5.

LTV stand for

a)

Loan to Value

b)

Loan towards value

c)

Loan timing & Value

d)

None of the above

6.

SMA stands for

a)

Special Mention Account

b)

Special Modified Account

c)

System modified Account

d)

Special monitoring Agency

7.

Maximum Loan amount can be sanctioned under Baroda Home Loan in Mumbai-

a)

20 Cr.

b)

3 Cr.

c)

5 Cr.

d)

10 Cr.

8.

Maximum repayment period under Baroda Home Loan

a)

15 Years

b)

20Years

c)

25 Years

d)

30 Years

9.

Maximum Moratorium allowed under Baroda Home loan

a)

12 Months

b)

18 Months

c)

24 Months

d)

36 Months

10.

If project cost is up to ....... lacs and Home Loan amount is up to ...... lacs in other areas ,the unit classified under priority sector.

a)

35 , 25

b)

30, 25

c)

45, 35

d)

35, 40

11.

Maximum Home Loan amount under Baroda Home Loan improvement-

a)

100 lacs

b)

25 lacs

c)

50 lacs

d)

500 lacs

12.

Maximum repayment period allowed under Baroda home improvement loan

a)

30years

b)

10 years

c)

20 years

d)

15 years

13.

Max loan amount under Baroda Top up Loan

a)

100 lacs

b)

200 lacs

c)

500 lacs

d)

50 lacs

14.

Top up loan for Home loan borrower can be sanctioned up to ..... times during entire tenure of Home Loan.

a)

3

b)

5

c)

2

d)

No limit

15.

Minimum and maximum limit under Golden Jubilee Rural Housing Finance Scheme-

a)

1 lac & 100 lacs

b)

2 lacs & 200 lacs

c)

3 lacs & 300 lacs

d)

2 lacs & 100 lacs

16.

Age of borrower should be between .............to avail pre- approved loan-

a)

21-60

b)

18-50

c)

25-50

d)

30-60

17.

CIBIL stands for-

a)

Credit Information Bureau India Ltd.

b)

Credit information Banking India Ltd.

c)

Consumer information Bureau India Ltd.

d)

Consumer information Banking India Ltd.

18.

Maximum Loan amount for purchasing Pre-owned Car under Retail Loan

a)

100 lcas

b)

15 Lacs

c)

50 Lacs

d)

Nil

19.

Maximum repayment period under Car Loan scheme

a)

60 Months

b)

84 months

c)

120 Months

d)

4 years

20.

Max loan amount under two wheeler loan scheme

a)

10 lacs

b)

7 lacs

c)

15 lacs

d)

5 lacs

21.

Maximum repayment period under two wheeler loan

a)

7 years

b)

5 years

c)

4 years

d)

7 years

22.

Max Loan can be sanctioned under Baroda Mortgage laon to individual in Rural Areas

a)

25 lacs

b)

50 lacs

c)

100 lacs

d)

200 lacs

23.

Min and Max Loan amount under Baroda Personal Loan in Urban areas

a)

0.50 lacs and 5 lacs

b)

1 lac & 5 Lacs

c)

1 lac & 10 lacs

d)

0.50 lacs & 10 Lacs

24.

Max allowed repayment period for persons in government jobs under Baroda personal loan

a)

5 years

b)

4 years

c)

3 years

d)

7 years

25.

Maximum Loan amount for family pensioners

a)

8 lacs

b)

5 lacs

c)

3 lacs

d)

1.5 lacs

26.

Maximum Loan amount can be sanctioned under Baroda Vidya (Scheme under Education loan)

a)

4 Lacs

b)

10 Lacs

c)

5 Lacs

d)

80 Lacs

27.

Margin required under Baroda gyan for loan amount up to 4 lacs

a)

Nil

b)

5%

c)

10%

d)

15%

28.

Education loan will be classified under priority sector if Loan amount is within --

a)

15 lacs

b)

10 lacs

c)

7.5 lacs

d)

20 lacs

29.

Maximum loan limit under Baroda Scholar

a)

80 Lacs

b)

60 lacs

c)

15 lacs

d)

25 lacs

30.

Min CIBIL Score required for Home Loan under Credit Vision Score Band

a)

725

b)

701

c)

726

d)

760

31.

Bank of Baroda's stake in India First Life Insurance Company is-

a)

44%

b)

30%

c)

65%

d)

51%

32.

Regulator of Insurance Sector is-

a)

SEBI

b)

RBI

c)

IRDA

d)

BCSBI

33.

Max investment can be made in a financial year under section 80C to avail benefit in Income tax-

a)

1 lacs

b)

50000

c)

1.5 lacs

d)

2 lacs

34.

MDRT stands for (in Insurance Sector)

a)

Million Dollar Round Table

b)

Million Dollar Round trip

c)

Mutual discussion round table

d)

None of the above

35.

SEBI stands for-

a)

Security and Exchange Board of India

b)

Stock Exchange Board of India

c)

State Exchange Board of India

d)

None of the above

36.

Product "Group Criti Care Plan" is offered by

a)

Max Bupa Health Insurance Company

b)

Star Health & Allied Insurance Company

c)

India First Life Insurance Company

d)

Tata AIG general Insurance

37.

Premium amount(regular) required to qualify MDRT 2022

a)

55 lacs

b)

100 lacs

c)

165 las

d)

330 lacs

38.

Chairman of IRDA-

a)

Mr. Rajiv Kumar

b)

Mr. Ajay Tyagi

c)

Mr. S. C. Khuntia

d)

Mr. Debashish Panda

39.

Chairman of SEBI-

a)

S. C Khuntia

b)

Rajiv Kumar

c)

Madhabi Puri Buch

d)

Ajay Tyagi

40.

Mutual fund business is regulated by-

a)

IRDA

b)

RBI

c)

SEBI

d)

NABARD

41.

Our Bank's mobile based App for investment in Mutual Funds-

a)

Baroda M- Connect Plus

b)

Baroda m- invest

c)

Baroda 3 in 1

d)

Baroda m fund

42.

Chairman of LIC-

a)

M R Kumar

b)

Ajay Tyagi

c)

Subhas Kumar

d)

Sandeep Kumar

43.

Special dedicated team for wealth management of our HNI customers is known as-

a)

Baroda Stars

b)

Baroda Radiance

c)

Baroda Saarthi

d)

Baroda Sahayak

44.

Tax benefit under section .............. for availing Health insurance products.

a)

80C

b)

80 D

c)

80 E

d)

80 G

45.

N.A.V. stands for

a)

Net Asset Value

b)

Net Accounting Value

c)

New Asset Value

d)

New Accepted Value

46.

Which of the company has no stack in India First Life Insurance Company

a)

Bank of Baroda

b)

Andhra Bank

c)

Carmel Point Investments India Private Limited

d)

Union Bank of India

47.

ULIP stands for-

a)

Unit Linked Insurance Plan

b)

Unique Life Insurance Plan

c)

Under Life Insurance Plan

d)

None of the above

48.

Baroda m-invest app has been powered by-

a)

M/s Finwizard technology Pvt. Ltd.

b)

M/s quickmove technology Pvt. ltd.

49.

Insurance cost is in-build under Baroda Suvidha Home Loan

a)

Yes

b)

No

50.

Third party term is used for-

a)

Wealth Management

b)

General Banking

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