Free Printable PPT Retro E- -Dec 2022

1.

Which of

the following features is not correctly matched in regards to BAHFKCC

a)

Minimum loan amount is

3000 and maximum is 10 lacs

b)

Scheme code is CC -043

c)

Borrower

age in between 18-70

d)

CC limit is valid for 3

years

2.

Collateral security up to

---------------- is nil for financé under BAHFKCC

a)

1

lakh

b)

1.60

lakh

c)

3

lakh

d)

5 lakh

3.

PAIS coverage for

death/permanent disability under BAHFKCC is -------.

a)

1 lakh

b)

50000

c)

25000

d)

10000

4.

All the

loans sanctioned up to Rs 1.60 lakh under BAHFKCC needs to be covered under

---

a)

CGTMSE

b)

CGFMU

c)

Not to

be covered

d)

none of

the above

5.

Jode

Kishan RABI 2020 from 01-12-2020 to 31-12-2020, our target is to add

--------- new farmer

a)

50000

b)

100000

c)

75000

d)

60000

6.

RBIA stands

for_______________________

a)

Risk Based Inspection &

Analysis

b)

Risk Based Internal Audit

c)

Regional Bureau of Inspection

& Audit

d)

Risk Based Internal Accounting

7.

Periodicity of Inspection for

Medium Risk Branches is_______ Months

a)

24

b)

9

c)

12

d)

18

8.

Periodicity of Inspection for

High Risk Branches is_______ Months

a)

24

b)

9-12

c)

12

d)

18

9.

RLBOs/SMELF/SMS

are inspected once in_____ Months

a)

6

b)

3

c)

12

d)

18

10.

HR Audit of Rural/Semi Urban

branches are conducted once in ______ months

a)

6

b)

12

c)

18

d)

Along with RBIA

11.

Stock Audit is conducted in

accounts having limit of above Rs_____ crores.

a)

10

b)

5

c)

1

d)

15

12.

Rural/ Semi Urban branches are

required to submit their Rectification Certificates within ____ days from

date of receipt of audit report

a)

90

b)

30

c)

60

d)

120

13.

What

is threshold of exposure for Early Warning Signals and Red Flagging of

Accounts?

a)

Rs 250

million and above

b)

Above Rs

500 million

c)

Rs 500

million and above

d)

Rs 5

Crores and above

14.

A Loan account will be termed as NPA if

interest or principal is pending for _______

a)

More

than 90 days

b)

90 days

c)

3

months

d)

More than 3 months

15.

An

agri short term crop loan will be termed as NPA if interest or principal is

overdue for _______.

a)

More

than 90 days

b)

2 crop

seasons

c)

1 crop

season

d)

More

than 3 months

16.

An

agri long term crop loan will be termed as NPA if interest or principal is

overdue for _______.

a)

More

than 90 days

b)

2 crop seasons

c)

1 crop

season

d)

More

than 3 months

17.

A Cash

Credit Account will be termed as Out of Order in which of the following

cases?

a)

Overdue

of Interest/ Principal more than 90 days

b)

Limit

derived from stock statement beyond 3 months

c)

Account

not reviewed for more than 180 days from due date of review

d)

All the

Above

18.

An NPA

account is classified as a loss asset if the eroded security value is

________.

a)

Less

than 10% of outstanding

b)

Equal to

or less than 10% of outstanding

c)

Less

than 10% of contractual

d)

Equal to

or less than 10% of contractual

19.

DCCO

in Project Loan stands for _________________.

a)

Date of

Commercial Commencement of Operations

b)

Date of

Commencement of Commercial Operations

c)

Due for

Commencement of Commercial Operations

d)

None the

above options

20.

Before

entering compromise, two valuations are to be obtained in case of property

value of _______.

a)

Rs 2.00

Crores and above

b)

Above Rs

2.00 Crores

c)

Above

Rs 5.00 Crores

d)

5.00

Crores and above

21.

Which

of values given by the valuer has to be considered while judging the

liquidity of the mortgaged property during negotiating a compromise?

a)

Realisable

Value

b)

Guideline

Value

c)

Market

Value

d)

Distress

Sale Value

22.

As per

Recovery Policy 2020, Net Present Value is discounted at the rate of ____.

a)

10%

Simple

b)

12%

Compounded

c)

8.5%

Simple

d)

10%

Compounded

23.

As per

Recovery Policy 2020, while computing Net Present Value, realization period

should not exceed____ years.

a)

2 Years

b)

5 Years

c)

3 Years

d)

6 Years

24.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale I officer is

Rs ___ lacs.

a)

4

b)

2

c)

5

d)

10

25.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale II officer is

Rs ___ lacs.

a)

4

b)

2

c)

5

d)

10

26.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale III officer is

Rs ___ lacs.

a)

4

b)

2

c)

10

d)

15

27.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale IV executive

is Rs ___ lacs.

a)

4

b)

30

c)

10

d)

15

28.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale V executive is

Rs ___ lacs.

a)

30

b)

40

c)

50

d)

60

29.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale VI executive

is Rs ___ lacs.

a)

40

b)

30

c)

50

d)

60

30.

Powers

for sacrifice of Settlement Advisory Committee headed by Scale VII executive

is Rs ___ lacs.

a)

80

b)

100

c)

50

d)

60

31.

Compromise

is staff loan and staff guaranteed accounts are to be considered by______.

a)

ZOCC

where staff has ceased to be in service for more than 2 years

b)

Regional

Head

c)

Executive

Directors

d)

ZOCC

irrespective of status of service of staff

32.

Fraud

cases above Rs ____ are investigated by Central Bureau of Investigation.

a)

1 Crore

b)

3 Crores

c)

5 Crores

d)

2 Crores

33.

Fraud

cases above Rs ____ crores are investigated by Banking Security and Fraud

Cell of Central Bureau of Investigation.

a)

Rs

5

b)

Rs

10

c)

Rs

15

d)

Rs

20

34.

Compromise

in cases where investigation is under process by CBI can be considered by

____ only.

a)

ZOCC

b)

ED

c)

MCB

d)

GM (Recovery)

35.

Publication

of willful defaulters in newspapers is applicable for accounts with

outstanding _____

a)

Above Rs

25.00 Lacs

b)

Rs 25.00

Lacs and Above

c)

Rs

20.00 Lacs and above

d)

Rs 1.00

Crore and above

36.

Changing

the Pattern of debt service obligation from equal installment to ballooning

without any enhancement in tenure and outstanding is called ____________.

a)

Rescheduling

b)

Rephasement

c)

Restructuring

d)

None of

the Above

37.

Changing

the Pattern of debt service obligation with increasing repayment period only

is called ____________.

a)

Rescheduling

b)

Rephasement

c)

Restructuring

d)

None of

the Above

38.

Change

of repayment period along with change in exposure and repayment schedule is

called ________.

a)

Rescheduling

b)

Rephasement

c)

Restructuring

d)

None of

the Above

39.

Which

of the following is true with respect to restructuring of a loan?

a)

Restructuring

can be done with retrospective effect

b)

Only

standard accounts can be restructured

c)

Willful

Defaulters’ accounts cannot be considered

d)

Consent/

application from the borrower is essential

40.

Lok

Adalat was established under __________ .

a)

Legal

Services Authority Act, 1977

b)

Legal

Services Authority Act 1983

c)

Legal

Services Authority Act 1987

d)

Legal

Services Authority Act 1981

41.

Lok

Adalat can settle cases involving amount upto Rs __________.

a)

20.00

Lacs

b)

25.00

Lacs

c)

30.00

Lacs

d)

No limit

42.

Lok Adalats conducted by Debt Recovery Tribunals can settle

cases involving amount upto Rs __________.

a)

20.00

Lacs

b)

25.00

Lacs

c)

30.00

Lacs

d)

No limit

43.

Which

of following is NOT true with respect to Lok Adalat?

a)

Appeal

can be made

b)

Award of

Lok Adalat is deemed to be a decree of court

c)

Existing

law suits can be referred to Lok Adalat

d)

If no

consensus is arrived, legal recourse can be availed

44.

SARFAESI

stands for ________.

a)

Securitisation

and Recovery of Financial Assets and Enforcement of Security Interest Act

b)

Securitisation

and Reconstruction of Financial Accounts and Enforcement of Security Interest

Act

c)

Securitisation

and Reconstruction of Financial Assets and Enforcement of Security Interest

Act

d)

Securitisation

and Reconstruction of Financial Assets and Execution of Security Interest Act

45.

A borrower can raise objection under section ___ of SARFAESI

Act 2002.

a)

13 (2)

b)

13(4)

c)

13(3a)

d)

14

46.

Reply

to an objection raised by a borrower is to be given within ____ days of

receipt.

a)

7

b)

14

c)

15

d)

30

47.

DM

Permission is obtained under section ___ of SARFAESI Act 2002.

a)

13 (4)

b)

15

c)

13(3a)

d)

14

48.

Private

Treaty for sale of property with value upto Rs 1 Crore can be resorted after

failure of auction for ___ times.

a)

2

b)

1

c)

3

d)

No such

guidelines

49.

Reserve

Price of E-Auction can be reduced by ____ after failure of 2nd auction.

a)

10% from

Original Reserve Price

b)

10% from

preceding Reserve Price

c)

20%

from Original Reserve Price

d)

20% from

preceding Reserve Price

50.

Authority

to appoint Recovery Agents in accounts above Rs 1.00 Crore and upto Rs 3.00

Crores vests with__________.

a)

Chief

Manager

b)

Assistant

General Manager

c)

Deputy

General Manager

d)

General Manager

51.

Which Menu Option is to be used

for Opening a Loan account in Finacle10?

a)

OAAC

b)

HOAACLA

c)

HOAACLN

d)

HOACCLA

52.

Which Menu Option is to be used

for modification in a Loan a/c opened, before verification?

a)

OAAC

b)

HOAACLA

c)

HOAACMLA

d)

HACMLA

53.

What is the Menu Option to do

any modification in a Loan account?

a)

HACM

b)

HACMLA

c)

HLACM

d)

LAACM

54.

Scheme code for opening a Home

Loan Advantanage A/c?

a)

LA110

b)

LA101

c)

LA152

d)

LA183

55.

Menu option generate various

reports in our bank in Finacle-10

a)

HBOBRPT

b)

BOBREPORT

c)

HBOBMENU

d)

BOBMENU

56.

Which menu option can be used to

generate account statements on ad hoc basis for customers?

a)

CCMSTM

b)

HCCMSTM

c)

HACLPOA

d)

PSPMAIL

57.

Which menu is used to open a SB

account at RLBO Level?

a)

HOAAC

b)

HOAACSB

c)

HOPNACCT

d)

OAACSBA

58.

Menu option for general

modification of a Retail CIF?

a)

CRLC

b)

MRCR

c)

MCEC

d)

HCUMM

59.

Which of the following options

are correctly matched?

a)

OSSA- Open Sukanya Samriddhi

Yojana

b)

MTSSA – Transaction maintenance

of Sukanya Samridhhi account

c)

VSSAO – Verify Sukanya Samridhhi

account

d)

All of the above options are

correct

60.

What should be the DP indicator

for a Loan account?

a)

Maintained

b)

Equal

c)

Derived

d)

Parent

61.

What is the menu for

reschedulement of a loan account

a)

HLAAMEND

b)

HAMEND

c)

HLACHANGE

d)

HLARA

62.

Which of the following menu

option can be used for pass sheet print of customer account?

a)

HPBP

b)

HACLPCA

c)

HACLPOA

d)

HPST

63.

Which menu option is used to

generate O/S report of sensitive accounts?

a)

HACLPOA

b)

HACLPCA

c)

HOFFBAL

d)

HMSGOIRP

64.

Which menu option is used to

enter next review date in CC or OD accounts?

a)

HBAIM

b)

HASCROM

c)

HCLM

d)

HACLHM

65.

Which menu option is used for

Kisan Vikas Patra transactions?

a)

HKVPISS

b)

HNSCKVP

c)

KVPNSC

d)

NSCKVP

66.

Which menu is to be used for

registraton for Prime-minister's Micro Insurance schemes?

a)

PMSBY

b)

HPMSBY

c)

PMY

d)

HPMY

67.

What is the menu option for

generation of report for NPA accounts of a SOL?

a)

NPAREPT

b)

NPARPT

c)

HNPARPT

d)

HPARP

68.

Which menu option is used to

enter details of undelivered cheque books?

a)

UNCHQ

b)

HCHBM

c)

HICHBM

d)

UCS

69.

Menu to generate list of account

activated from Dormant?

a)

PDRMNT

b)

DORACTR

c)

DACUP

d)

HPDRMNT

70.

Menu to generate list of

transactions in the account which are activated from Dormant?

a)

PDRMNT

b)

DORACTR

c)

DACUP

d)

HPDRMNT

71.

Stock statement reminder letter

to be generated for the CC accounts by using which of the following menu

option?

a)

HSTTREM

b)

HINDC

c)

STTREM

d)

STREM

72.

What is the menu option to be

used for Registration of Baroda M-Connect?

a)

MCONN

b)

HDCR

c)

CUSTMOB

d)

HMOBBANK

73.

What is the menu option to be

used for De-Registration of Baroda M-Connect?

a)

HDCR

b)

MBDREG

c)

CUSTMOB

d)

HMOBBANK

74.

which of the following menu or

menus can be used to generate account turnover report?

a)

HATO & HATOR

b)

HCRV

c)

Any one of the above

d)

None of these

75.

Which menu option is used to

issue non-personalized debit card in branches?

a)

NPDCSI

b)

HNPDCSI

c)

NPDCIS

d)

HNPDCIS

76.

when an employee dies in

harness, his/her next kith/kin is given immediate financial aid of Rs. ___ by

the Bank

a)

1,00,000/-

b)

2,00,000/-

c)

10000/-

d)

50000/-

77.

under BRITE, which of the

following is not one of the ELITE club

a)

Branch Elite club

b)

Regional Elite club

c)

Zonal Elite club

d)

EDs Elite club

78.

Bank has signed a Memorandum of

Understanding with ___ organization

for creating a centre of excellence for our PWD employees

a)

The National association for the

Blind (NAB)

b)

SBI Foundation

c)

Mckensie

d)

Delloitte

79.

what is the amount of financial

assistance provided to the employees by the Bank who are required to remain

on loss of pay ( due to non-availability of any type of leave to their

credit) on account of major illness and/or special operations/ diseases.

a)

Rs 10000/- per month

b)

Rs 8000/- per month

c)

Rs 20000/- per month

d)

Rs 15000/- per month

80.

the "Baroda Alok Chandra

Bravery" award consists of

___

a)

Baroda Alok Chandra Bravery Gold

Medallion and a cash award of Rs. 1, 00,000/- only.

b)

Baroda Alok Chandra Bravery

silver Medallion and a cash award of Rs. 1, 00,000/- only.

c)

Baroda Alok Chandra Bravery Gold

Medallion and a cash award of Rs. 10,000/- only.

d)

Baroda Alok Chandra Bravery Gold

Medallion and a cash award of Rs. 50,000/-

81.

The "Alok Chandra Bravery

Award" shall be declared on ___ every year at a suitable function

organized by the Bank

a)

26th January

b)

15th August

c)

20th July

d)

1st April

82.

a clerical staff who has

completed -10 years of active service in the Bank is eligible for ___ amount

of Staff overdraft limit

a)

Rs. 3.00 lakhs

b)

Rs. 4.00 lakhs

c)

Rs. 5.00 lakhs

d)

Rs. 6.00 lakhs

83.

Bank has tied up with which

insurance company for Group Term Life Insurance policy for its employees

a)

SBI Life Insurance Co. Ltd.

b)

Tata AIG

c)

India first

d)

United

India Insurance Company

84.

Bank has tied up with which

insurance company for providing GROUP

PERSONAL ACCIDENT (GPA) INSURANCE POLICY FOR ALL EMPLOYEES & DIRECTORS

a)

New India Assurance Company Ltd

b)

SBI Life Insurance Co. Ltd.

c)

Tata AIG

d)

India first

85.

One pension account generates a stable income of

Rs___________in form of TOC

a)

Rs.1050

b)

Rs.900

c)

Rs.910

d)

Rs.780

86.

Who can open Senior Citizen Savings Scheme Account?

a)

Resident Individual(RI)

b)

HUF

c)

Person of India Origin(PIO)

d)

NRI

87.

What is the Commission earned in physical challan?

a)

Rs25/- per challan

b)

Rs40/- per challan

c)

Rs50/- per challan

d)

None of the above

88.

What is the Commission earned per challan through e-mode?

a)

Rs10/-

b)

Rs5/-

c)

Rs9/-

d)

None of the above

89.

What is the menu in finacle for collection of challan?

a)

HPORDM

b)

HOPRDM

c)

HROPDM

d)

HORPDM

90.

What is the commission earned by bank in per pension credit in

pensioners account?

a)

Rs100/-

b)

Rs75/-

c)

Rs150/-

d)

Rs85/-

91.

Where is Central Pension Processing Centre(CPPC) of our bank

located?

a)

GIFT CITY-GANDHINAGAR

b)

HEAD OFFICE-VADODARA

c)

BCC-MUMBAI

d)

GOVT BUSS DEPT- NEW DELHI

92.

Additional tax benefit for claim under contribution in NPS is

permissible under which section?

a)

Section 80C

b)

Section 80D

c)

Section 80CCD(1B)

d)

Section 80CCD(1A)

93.

Bank's commission for Registering subscriber's for NPS is?

a)

Rs100/-

b)

Rs50/-

c)

Rs250/-

d)

Rs200/-

94.

For age above 70 years maximum pension loan permisible under

Regular pension is?

a)

10.00 lacs

b)

5.00 lacs

c)

8.00 lacs

d)

2.00 lacs

95.

Maximum pension loan granted under Family Pension scheme for

age up to 70 years is?

a)

2.00 lacs

b)

3.00 lacs

c)

4.00 lacs

d)

5.00 lacs

96.

Maximum amount which can be deposited under Senior Citizen

Savings Scheme is?

a)

5 lakhs

b)

10 lakhs

c)

15 lakhs

d)

25 lakhs

97.

Digital Life Certificate is popularly known as?

a)

Jeevan Pramaan

b)

Jeevan Pranam

c)

Jeevan Jyoti

d)

Jeevan Adhar

98.

Maximum Gold Bond subscription permitted per financial year for

HUF is?

a)

20 kgs

b)

10 kgs

c)

4 kg

d)

5 kg

99.

Maturity period of Senior citizen Savings Scheme(SCSS) is

a)

3 years

b)

2 years

c)

5 years

d)

7 years

100.

Senior Citizen Savings Scheme(SCSS) can be extended for how

many years post maturity?

a)

5 years

b)

2 years

c)

Can't be extended

d)

3 years

101.

Maximum girl child covered per family under Sukanya Samriddhi

Yojna is?

a)

1 child

b)

2 child

c)

3 child

d)

Any no of girl child

102.

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)

2years

d)

3 years

103.

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 period of

______

a)

6 months

b)

1 year

c)

2years

d)

3 years

104.

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

105.

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)

701

d)

675

106.

What

is the maximum loan ceiling and repayment period for “Home Improvement loan”

?

a)

`10 lacs & 10 years

b)

`20 lacs & 10 years

c)

`25 lacs & 15 years

d)

`50 lacs & 15 years

107.

What

is/are the additional features added to our existing “online application

system for Home Loans”?

a)

a) get the loan eligibility

b)

b) instant in-principle sanction

c)

c) on-line verification of customer details

d)

(a) & (b)

108.

Age

of the principal borrower should not be less than ------- years while

considering Housing Loan.

a)

18

b)

20

c)

21

d)

25

109.

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)

96

d)

90

110.

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)

All the above

111.

Within how many days under SARFAESI , sale notice is to be

published after taking physical possession?

a)

15

days

b)

30

days

c)

7 days

d)

None of

these

112.

Appeal

against decision of Lok Adalat can be filed with:

a)

High

Court

b)

District

Court

c)

DRT

d)

No

appeal can be filed

113.

Under

SARFAESI Act, the buyer of the assets sold by the bank,has to deposit ______%

of sale price immediately ?

a)

10%

b)

20%

c)

25%

d)

50%

114.

Under

SARFAESI Act, the buyer of the assets sold by the bank,has to deposit

remaining amount of ______within _______?

a)

50%, 10

days

b)

80%, 10

days

c)

75%, 15

days

d)

90%, 30

days

115.

Banks

can not sanction credit facilities to new projects of willful defaulters of

other banks for a period of ?

a)

10

Years

b)

7 Years

c)

5 Years

d)

3 Years

116.

If a

Overdraft a/c is overdue for 61 to 90 days , then it is classified____?

a)

SMA-0

b)

SMA-1

c)

SMA-2

d)

NPA

117.

What is

the minimum claim amount for filing a suit in Debt Recovery Tribunal

(DRT)?

a)

Rs.10

Lac

b)

Rs. 15

Lac

c)

Rs. 20

Lac

d)

Rs.100 Lac

118.

If

outstanding balance is more than sanctioned limit but within the value of

security, in which of the following accounts, it is categories sub-standard

(NPA) :

a)

Loan

against govt. security

b)

Loan

against deposits

c)

Loan

against life insurance policy

d)

Loan

against security of national saving certificate

119.

An

account is categories as doubtful account, when :

a)

It

remains out of order for more than 90 days

b)

It

remains special mention account for more than 90 days

c)

It

remains sub-standard for more than one year

d)

Security

in the account is damaged to the extent of above 90%

120.

Who

regulates Insolvency Professionals?

a)

Ministry

of Corporate Affairs (MCA)

b)

National

Company Law Tribunal (NCLT)

c)

Insolvency

& Bankruptcy Board in India (IBBI)

d)

Indian

Institute of Corporate affairs

PPT Retro E- -Dec 2022

Total questions: 120

Worksheet time: 2hrs 30mins

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