WorksheetsBaroda Gyani Quiz Round 1 B A Ernakulam
Total questions: 30
Worksheet time: 16mins
Name
Class
Date
1.
As on date, what are the approved Credit rating agencies for Indian borrowers.
Choose most appropriate.
1. ICRA
2. India Ratings
3. CARE
4. Acuite Rating & research ltd
5. Brickwork
6. INFOMERICS
a)
1,2,3,4,6
b)
1,2,3,5,6
c)
1,2,3,6
d)
1,2,3,5
e)
None
2.
Cygnet FAME platform - a data intelligence portal, to analyse various risks of borrower, shall cover analysis of which of following utilities.
Choose appropriate answer.
1. GST
2. Credit ratings of various Rating Agencies
3. ITR
4. Credit Information report
5. Bank Statement
a)
5,3,1
b)
4,3,2
c)
2,3,4,5
d)
1,2,3,4,5
e)
None
3.
Which of below denotes LGD?
a)
EL*PD*EAD
b)
1 - Recovery Rate
c)
EAD - Realisable security value
d)
Revenue - Cost
e)
None
4.
Satisfaction charges to be filed in CERSAI latest by (within) __ days from closure of the account, failing which approval from Govt is required.
a)
15
b)
30
c)
60
d)
90
e)
None
5.
In case of Baroda Education loan, if the property is already mortgaged to any other Retail Loan, how much % of the property value (realisable) to be earmarked for that existing retail loan?
a)
100 %
b)
125 %
c)
150 %
d)
Paripasu
e)
None
6.
For customer working in Marine field like merchant navy , the FOIR for Home Loan are calculated on the basis of ?
a)
Avg of last 12 months
b)
Avg of last 3 months
c)
Avg of last 9 months
d)
Avg of last 6 months
e)
None
7.
Maximum loan limit under Baroda Scholar is _______
a)
80.00 lacs
b)
125 lacs
c)
150.00 lacs
d)
100.00 lacs
e)
None
8.
What is the per-transaction limit for Indo- Nepal NEFT remittance through branches?
a)
Rs.25,000
b)
Rs.50,000
c)
Rs.1 Lac
d)
Rs. 2 Lac
e)
None
9.
Which of the following is not an SMA Sub category in case of revolving credit facilities like cash credit / overdraft
a)
SMA0
b)
SMA1
c)
SMA2
d)
above 90 days
e)
None
10.
SARFAESI Notice cannot be given in case of which of the following assets
a)
Lien on goods
b)
Pledge of movable assets
c)
Amount due is less than 20% of principal and interest
d)
All of these
e)
None
11.
The tolerance level for examining staff accountability towards false compliance of Audit observations is ________
a)
5 %
b)
10 %
c)
15 %
d)
20 %
e)
None
12.
What percentage of branches (under high and medium risk) audited in the previous quarter is taken up for Compliance Audit?
a)
5 %
b)
10 %
c)
15 %
d)
20 %
e)
None
13.
As per the policy on Adminisrative Enforcement of Accountability, the High Risk Area carries ____ Red Flag Points
a)
1
b)
3
c)
5
d)
7
e)
None
14.
In case of death of the primary holder of the deposit, can the joint holder submit form 15G/H and PAN of his own?
a)
No. 15G/15H can be accepted with PAN number of First Holder only
b)
Yes he can deposit 15G/15H with his own PAN.
c)
Yes he can deposit 15G/15H with first holder PAN
d)
No. Not allowed as per taxation guidelines
e)
None
15.
Where the customer is a company, the beneficial owner means ownership of /entitlement more than ___ % of the share/capital/profits of the company.
a)
10
b)
15
c)
20
d)
25
e)
None
16.
The revised TAT for closure of the Audit Cycle for branches having credit portfolio of Rs. 100 crores and above is _______
a)
30 days
b)
45 days
c)
60 days
d)
90 days
e)
None
17.
Finacle menu for closure of RLBO rejected accounts ( Not Complied) by branches.
a)
CACC
b)
RLBOCACC
c)
CAAC
d)
RLBOCAAC
e)
None
18.
Number of DBU's set up by our Bank
a)
8
b)
10
c)
75
d)
25
e)
None
19.
To avoid obtaining forged documents as KYC, online validation of which of the following OVD/s needs to be undertaken mandatorily.
a)
Aadhar
b)
Driving License
c)
Voter ID
d)
All of the above
e)
None
20.
Nomination facility is not available in which of the following types of accounts?
a)
Joint Account
b)
Sole proprietary concerns
c)
Trust Accounts
d)
None of the above
e)
None
21.
The Rate of interest for Sukanya Samruti Yojana for the current quarter is
a)
7.4 %
b)
7.1 %
c)
7.6 %
d)
7.0 %
e)
None
22.
What is the Administrative and operational cost to the Bank per annum per subscriber for PMJJBY for new enrolments
a)
11
b)
12
c)
30
d)
20
e)
None
23.
Limit of Education loan to be considered under priority sector
a)
10 lac
b)
15 lac
c)
20 lac
d)
5 lac
e)
None
24.
As per our GCEMP, which of the following falling under corporates?
Choose most appropriate answer.
1. Companies
2.Govt Institute
3. Societies
4. Associations
5. Trust
a)
1,2,3,4,5
b)
1,2,3,4
c)
1,2,3
d)
Only 1,2
e)
None
25.
Insurance coverage for Digital Transactions other than debit card is given by
a)
National Insurance Company Ltd
b)
TATA AIG
c)
United India Insurance Co
d)
Chola MS insurance Co
e)
None
26.
THRESHOLD TARGET for recognition under Million Dollar Round Table (MDRT) 2022
a)
50 lakhs
b)
60 lakhs
c)
65 lakhs
d)
55 lakhs
e)
None
27.
Minimum number of income credits are required in digital personal loan is
a)
5
b)
12
c)
11
d)
6
e)
None
28.
The Claim must be submitted within how many days of the unauthorized/fraud transactions.
a)
30 days
b)
60 days
c)
120 days
d)
180 days
e)
None
29.
The web portal launched by our bank for Central & State Govt Penioners
a)
BHAVISHYA PORTAL
b)
PENSION PORTAL
c)
PENSION SAARTHI
d)
PENSION SAATHI
e)
None
30.
The eligibility crieteria under "Baroda Radiance 2.0" the First time A/c holders is
a)
Initial deposit of 10 lac & reaching TRV of 30 lac in 6 months
b)
Initial deposit of 25 lac & reaching TRV of 50 lac in 6 months
c)
Initial deposit of 10 lac & reaching TRV of 30 lac in 12 months
d)
Initial deposit of 25 lac & reaching TRV of 30 lac in 12months
e)
None
100 %
