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WorksheetsBaroda Academy, Rajkot _2022-23_PPT QUIZ for CL to Officer Day-1
Total questions: 40
Worksheet time: 20mins
Name
Class
Date
1.
Maximum loan period is ___________ years in case of financing the units engaged in under “Food & Agro Based scheme” (Agriculture).
a)
5
b)
7
c)
15
d)
12
2.
How much charges we have to obtain after free number of locker operations?
a)
Rs 50 per occasion
b)
Rs 100 per occasion
c)
Rs 250 per occasion
d)
Rs 500 per occasion
3.
Branch officials have to conduct audit of all BC points attached to their branch on or before _______ of every month
a)
3rd
b)
5th
c)
7th
d)
10th
4.
Banks in India should transfer the unclaimed amount eligible under DEAF scheme fund within a period of ______ months from the expiry of the said period.
a)
3 months
b)
30 days
c)
45 days
d)
6 months
5.
Maximum amount of cash remittance permitted by three wheeler is
a)
Rs 5 Lacs
b)
Rs 10 Lacs
c)
Rs 15 Lacs
d)
Rs 20 Lacs
6.
Risk covered limit under Bankers Indemnity policy for cash in transit through banks cash van/ outsourced van from secured Agencies is
a)
Rs 2 Cr
b)
Rs 5 Cr
c)
Rs 7 Cr
d)
Rs 10 Cr
7.
For accepting the unscheduled payments from customer towards his loan account which menu can be used in Finacle10?
a)
HLASPAY
b)
HTM
c)
HLAUPAY
d)
HLAFACR
8.
Retail CIF is modified through which menu option in Finacle10?
a)
MCEC
b)
CUSTMOD
c)
MRCR
d)
CUMM
9.
The capturing of LEI has been made mandatory w.e.f 29.10.2021 in which menu OF Finacle10 for large value transactions in Centralised Payment Systems for Rs. 50 Crore and above
a)
PLHTM
b)
GSTTM
c)
HPORDM
d)
HTM
10.
The mparivahan App is managed by
a)
Ministry of Road Transport & Highways
b)
Vahan Sewa , Government of India
c)
Motor Vehicle Department
d)
Ministry of Electronics & Information Technology
11.
The digital tool devised by Government of India, to track the application status of the PMAY beneficiary Is known as
a)
PMAY Help portal
b)
PMAYDIGI tracker
c)
CLAP AWAS portal
d)
Housing for All portal
12.
Which of the following customers will be eligible for Pre approved Personal Loan using Tab Banking
a)
Customers identified by the branch based on Savings Bank A/c balance
b)
Customers identified by the Zonal offices based on business contribution per customer
c)
Customers are identified at the corporate office level and advised to branches
d)
All customers requiring personal loan facility using Tab banking facility are eligible
13.
How “ address check” is carried out for pre approved personal loan using Tab
banking facility ?
a)
Address is verified using “Aadhar only ”
b)
After sanction of loan, “letter of thanks” is sent to the customer at the address given to the bank
c)
Address proof must be matched with the address mentioned in the CBS system
d)
Address to be cross checked from any of the official valid documents
14.
Minimum Limit for financing Micro units engaged in Export Credit
a)
1 Lacs
b)
5Lacs
c)
10 Lacs
d)
15 Lacs
15.
ZED ( Zero defect Zero Effect) assesment model have how many levels
a)
5
b)
4
c)
3
d)
2
16.
Maximum Loan limit under Baroda Mortgage loan in Metro
a)
Rs. 5 crores
b)
Rs.10 crores
c)
Rs. 20 crores
d)
Rs.25 crores
17.
Stock Audit to be carried out mandatory in accounts having fund based and non fund based Working capital of Rs.
a)
Rs. 1 crores
b)
Rs. 5 crore
c)
Rs. 25 lacs
d)
Rs. 50 Lacs
18.
Periodical Legal Audit of title documents and other related loan documents has to be done in respect of large value loan accounts having exposure of Rs Crore and above
a)
1
b)
3
c)
5
d)
10
19.
Re-Verification of title deeds under legal audit has to be carried out once in every years
a)
2
b)
3
c)
4
d)
5
20.
The frequency of stock audit will be________in respect of working capital exposure of Rs 5.00 Cr & above.
a)
Monthly
b)
Quarterly
c)
Bi-annual
d)
Annual
21.
Which of the following is the birthplace of Sh. Sayajirao Gaekwad- III?
a)
Kavlana, Maharashtra
b)
Mandvi, Baroda
c)
Gandhinagar, Gujarat
d)
Nanded, Maharashtra
22.
Sh. Sayajirao Gaekwad-III was born on
a)
20th July, 1908
b)
20th July, 1858
c)
27th May, 1875
d)
11th March, 1863
23.
Which among the following are the Precautions and safeguards to be followed by the branches for Gold Loans?
a)
Re-assaying for the amount of loan above Rs. 3 Lakhs within 15 days of sanction (by another assayer of the same branch or assayer of another branch).
b)
Re-appraisal at the time of Internal Audit of the Branch by ZIAD, at least 5% of the account on a random basis.
c)
Gold ornaments
/jewellery to be appraised by the assayer and packet to be sealed under CCTV camera.
d)
All the above
24.
For the opening of any Gold Loan Shoppes prior approval is required from .
a)
Rural & Agri Banking, BCC
b)
Risk Management, BCC
c)
Compliance Dept, BCC
d)
Gold Loan Vertical
25.
In Gold Loan Shoppe branches, Loans above Rs.3 Lakh per borrower will be sanctioned by the
under his/her DLP.
a)
In charge of Gold Loan shoppe
b)
Priority Sector In charge of the concerned Region
c)
Branch manager of the concerned branch
d)
Regional Head
26.
What is the meaning of term ‘Dues’?
a)
Interest due in the loan account/CC account.
b)
Principle due in the Term Loan account.
c)
Amount demanded by RBI under facility.
d)
The principle/Interest amount due in the loan account which are payable within the period stipulated by lending Institution as per the terms of sanction of credit facility.
27.
What is an ’Stressed Account’?
a)
Account where business stress in the account.
b)
EMI/Interest/Principle is not paid on or before the due date fixed as per agreed terms.
c)
Where unit is closed and no activity in business.
d)
Where promoter has personal stress in which affects the businesss.
28.
The term loan account was in SMA2 on 31/12/2021. The total overdue received by the Bank in full after day end process on 31/12/2021. What is the status of account on 31/12/2021?
a)
SMA2 account
b)
Standard account
c)
NPA account
d)
Suspense Ac
29.
The branch to register the details of security interest of mortgaged property within a period of …….days form the date of creation of security interest with the Central Registry CERSAI.
a)
30
b)
45
c)
60
d)
Immediately
30.
What is minimum contractual dues required for invoking SARFAESI Action against an NPA Account?
a)
Rs.1.00 lacs
b)
Rs.2.00 lacs
c)
Rs.5.00 lacs
d)
Rs10.00 lacs
31.
The Notice ‘CAN NOT’ be issued under SARFAESI Act, in any case in which the amount due is less than % of the Principal amount and interest thereon
a)
10
b)
20
c)
25
d)
30
32.
The Notice cannot be issued under SARFAESI Act, on any security interest for securing repayment of any financial asset not exceeding Rs. Lac
a)
1
b)
2
c)
5
d)
10
33.
How much percentage amount of sale price including EMD amount, the highest bidder has to pay on the date of auction or maximum by immediate following working day on his successful bidding?
a)
5
b)
10
c)
20
d)
25
34.
Under BKCC Production Line of Credit can be sanctioned as ___________
a)
Demand Loan
b)
Cash Credit
c)
Term Loan
d)
Over Draft
e)
All of the above
35.
What is the Family Maintenanc Limit under BKCC Silver
a)
Minimum Rs. 1 Lakh
b)
25 % of Crop Production expenses
c)
Maximum Rs. 1 Lakhs
d)
10% of Total BKCc Limit
e)
25 % of Crop Production expenses subject to Maximum Rs. 1 Lakh
36.
What is the Concesion in applicable ROI for borrower having BKCC for more than 5 years
a)
25%
b)
5%
c)
50%
d)
10%
e)
None of the above
37.
The revenue records when obtained for the first time, it should not be older than _ months
a)
1
b)
3
c)
6
d)
2
e)
None of the Above
38.
In case of joint holders under KCC Loan, where applicant age below 70 years, PAIS will be available for
a)
Both the Borrowers
b)
Only First Borrower
c)
PAIS is not applicable
d)
Will be insured under general plan
e)
2 & 3
39.
Type of Loan Facility available under Baroda Kisan Tatkal Scheme is
a)
Term Loan
b)
Demand Loan
c)
Overdraft
d)
1 & 2
e)
1 & 3
40.
What is the Eligibility Criteria for Baroda Kisan Tatkal Scheme
a)
Green BKCC Holder
b)
Silver BKCC holder
c)
Gold BKCC holder
d)
Existing BKCC holder
e)
No existing Relationship require
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