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WorksheetsRetail assets quiz 2022 final
Total questions: 82
Worksheet time: 41mins
Name
Class
Date
1.
Under Baroda Auto Loan for non individual the tangible networth should be ______ times the loan amount in cases of proposals with CMR 3 rating
a)
5
b)
10
c)
15
d)
20
2.
______________ Portal is developed to function as a single portal for processing all 'Credit Link
Government Schemes
a)
JanSamarth
b)
VidyaLakshmi
c)
Vidyasamarth
d)
Janvidhya
3.
In order to claim subsidy under
"Padho Pardesh lnterest Subsidy" Scheme students to route their applications under which portal
a)
VidyaLakshmi
b)
JanSamarth
c)
Vidyasamarth
d)
Janvidhya
4.
For Baroda Auto Loan, the maximum loan limit that can be sanctioned under RMCC is
a)
Rs. 50 lacs -100 lacs
b)
Rs. 100-200 lacs
c)
Rs. 200 lacs -300 lacs
d)
Rs. 300 lacs -500 lacs
5.
Members of which institution are eligible for concession in Auto loan
a)
ICAI
b)
ICSI
c)
IIM
d)
IIT
6.
Account holders of Baroda Salary Super account (SB 175) are eligible to a concession in processing charges upto what %?
a)
0.25
b)
0.5
c)
0.75
d)
1
7.
The scheme code for Baroda Yoddha Premium Education Loan (Domestic)
a)
LA284
b)
LA285
c)
LA286
d)
LA280
8.
Under Baroda Loan against Future Rent Receivable Scheme (Retail segment), the minimum CIBIL score which can be considered is
a)
600
b)
650
c)
700
d)
720
9.
Under Baroda Loan against Future Rent Receivable Scheme (Retail segment), the value of leased properties should be at least ___________ times of the loan
amount.
a)
1
b)
1.25
c)
1.5
d)
1.75
10.
Which field required to be entered In CERSAI portal, which will help in enriching the data from
backend by owner vertical
a)
PAN No
b)
Mobile No
c)
Account no
d)
LAD
11.
Maximum limit under Scheme for financing Residential Rooftop Solar Panel is
a)
100000
b)
250000
c)
500000
d)
750000
12.
Under SURYA-Gujarat state subsidy of ______% shall be available for solar rooftop system up to 3 KW
a)
20
b)
30
c)
40
d)
50
13.
Under Digital Personal Loan, the maximum age at the end of the tenor for a non salaried borrower should be
a)
55
b)
60
c)
65
d)
70
14.
Under Digital Personal Loan, if the rating falls under _________ it will be refered to CPC
a)
70-79
b)
60-69
c)
50-59
d)
40-49
15.
Under Baroda Loan to Pensioners, the maximum loan that can be granted to family pension 71 years old is
a)
Rs.3.00 Lacs
b)
Rs.2.50 Lacs
c)
Rs.2.00 Lacs
d)
Rs.1.50 Lacs
16.
Under BARODA ADVANCE AGAINST SECURITIES, if the residual maturity period is 3
years or above the margin on the security will be
a)
0.1
b)
0.15
c)
0.2
d)
0.25
17.
Which of the following is not correct for BARODA ADVANCE AGAINST SECURITIES
a)
Repayment period is 35 months
b)
Can be given to Individuals aged 21 years and above
c)
Minimum loan Amount is Rs.3000/-
d)
Advance to third party is permitted
18.
Central governmnet employees become eligible for Baroda Personal Loan if they are in continus service for more than _______ yr
a)
4
b)
3
c)
2
d)
1
19.
Under Baroda Personal loan if the CIBIL score goes below ______ it is to be sent to ZOCC
a)
701
b)
650
c)
600
d)
550
20.
The List of Institutes under AWES contains how many institutions
a)
10
b)
13
c)
15
d)
17
21.
The maximum limit for Baroda Mortgage Loan to Individuals in semi urban area is
a)
10 cr
b)
7.5 cr
c)
5 cr
d)
2.5 cr
22.
Under Baroda Auto Loan, in case of CMR 4 and below accounts, Credit Vision algorithm decision rules to be compulsorily applied for exposure of ___________
a)
Rs. 50 lacs and above.
b)
Rs. 1 crore and above.
c)
Rs. 2 crore and above.
d)
Rs. 3 crore and above.
23.
Under the retail assets retention strategy, trigers will be generated for auto loan accounts having an outstanding of Rs. __________ and above
a)
Rs. 2 lacs
b)
Rs. 5 lacs
c)
Rs. 7.5 lacs
d)
Rs. 10 lacs
24.
As per the retention strategy adopted by the Bank,the branch to approach the customer within what time?
a)
T+1
b)
T+2
c)
T+3
d)
T+4
25.
Bank will get a trigger on real time basis on web portal. The name of the portal is
a)
Customer optimisation engine
b)
CIBIL optimisation engine
c)
Trigger optimisation engine
d)
Alert optimisation engine
26.
ln order to encourage the students to pursue higher education and to facilitate and support
meritorious poor students, which state govrnment came out with the credit card scheme for education
a)
Bihar
b)
Assam
c)
West Bengal
d)
Telengna
27.
Our bank has tied up with which company to set up direct sales team to generate and fulfil business leods reloted to Retoil Assets.
a)
Teamlease
b)
BGSS
c)
Quarec
d)
CFT Consulting
28.
While creating a account in Finacle for Baroda Home Loan Top-uo Overdraft Scheme, the sector code to be used is
a)
220
b)
223
c)
230
d)
234
29.
ln case of quarterly average utilization is less than 60% of the drawing
power, commitment charges to be levied @ _____%
a)
0.0025
b)
0.005
c)
0.01
d)
0.02
30.
lf existing Home loan top up borrowers wish to convert their
facility to OD limit a one time charges of Rs._____ will be taken from the customer
a)
2000/-
b)
2500/-
c)
5000/-
d)
7500/-
31.
Our bank will extend loans for undertaking Certificate Course,
provided the tenor of the course is more than _______
a)
6
b)
12
c)
24
d)
36
32.
NCGTC coverage for education loan is allowed for eligible
accounts up to the limit Rs._______ lacs.
a)
Rs. 4 lacs
b)
Rs. 5 lacs
c)
Rs. 7.5 lacs
d)
Rs. 10 lacs
33.
Under Baroda Education loan, there is no need to take Security for Premier institutions
in list A in lndia upto Rs. ________
a)
Rs. 50 lacs
b)
Rs. 40 lacs
c)
Rs. 45 lacs
d)
Rs. 30 lacs
34.
For customers not obtaining credit insurance cover under Home loan, a Risk Premium of over card rates will be opplicable
a)
0.00025
b)
0.0003
c)
0.0004
d)
0.0005
35.
Under Borodo Yoddho Home Loon, log in fee of how much amunt is to be recovered upfront that will be
refunded on first disbursement
a)
Rs. 1000/-
b)
Rs. 1500/-
c)
Rs. 2000/-
d)
Rs. 5000/-
36.
Under Borodo Yoddho Two Wheeler loon, for a CIBIL Score less thon 701, deviotion will be taken by which authority
a)
ZOCC
b)
RMCC
c)
Branch
d)
CPC
37.
For housing loan soursed by BC, a flot poy-out of _________ will be given to BC on conversion of leods
a)
0.001
b)
0.0015
c)
0.002
d)
0.0025
38.
Under housing loan sourced by BC, payout to BC to be poid only after minimum dlsbursement of ________ of sonctioned limit.
a)
0.2
b)
0.4
c)
0.5
d)
0.75
39.
100% Onroad financing is being done for which car modle under Baroda Auto Loan
a)
Mahendra Scorpio N
b)
Maruti Brezza
c)
Tata Nexon
d)
Hyundai Creta
40.
Under Baroda Top-Up loan to existing Home Loan customers, the bank has lncreased the sanctioning power of branches from ________ to _________
a)
Rs.10 Lacs to Rs.15 Lacs
b)
Rs.10 Lacs to Rs.20 Lacs
c)
Rs.10 Lacs to Rs.25 Lacs
d)
Rs.10 Lacs to Rs.30 Lacs
41.
Does Bank of Baroda provide Overdraft in baroda Top up Loan Scheme?
a)
Yes
b)
No
42.
The Baroda Home Loan Top-up Overdraft Facility will be permitted to operate on a reducing limit/drawing power arrangement on the basis
a)
yearly
b)
quarterly
c)
monthly
d)
weekly
43.
In Baroda Home Loan Top-up Overdraft Facility, commitment charges to be levied in case of quarterly average utilization less than of the drawing power
a)
0.4
b)
0.5
c)
0.6
d)
0.7
44.
In Baroda Home Loan Top-up Overdraft Facility, commitment charges to be levied @ , of
entire unutilized portion on… basis
a)
0.50%, monthly
b)
0.5%, quarterly
c)
0.60%, monthly
d)
0.6%, quarterly
45.
If existing Home loan top up borrowers wish to convert their facility to OD limit , the same may be considered by branches for remaining available tenor as per their eligibility, subject to one time charges of Rs.2500/- after obtaining required documentation for OD facility. ZOCC may waive this charge.
a)
TRUE
b)
FALSE
46.
At a time both the Top Up facilities (Term loan and OD facility) can be live.
a)
TRUE
b)
FALSE
47.
The Scheme Code for Baroda Home Loan Top-up Overdraft Scheme is
a)
OD043
b)
OD0044
c)
OD045
d)
OD046
48.
Opening Baroda Home Loan Linked SB Account (SB152) is enabled through TAB Banking - ‘Baroda
TABIT’.
a)
TRUE
b)
FALSE
49.
Free Personal Accident lnsurance to new Home Loon borrowers / co- borrowers w.e.f. 01.01.2022 will be serviced by
a)
The New lndia Assurance Co. Ltd.
b)
United lndia lnsurance Co.
Ltd.
c)
IndiaFirst Life Insurance Company
d)
No such Policy exists
50.
Free Personal Accident lnsurance to Home Loon borrowers / co- borrowers upto 31.12.2021 will be serviced by
a)
The New lndia Assurance Co. Ltd.
b)
United lndia lnsurance Co.
Ltd.
c)
IndiaFirst Life Insurance Company
d)
No such Policy exists
51.
The Sum Assured under Group Personal Accident lnsurance Cover is the amount outstanding in the Loan occount(s) upto Maximum of
............. including the principal, interest, additional penal interest, charges and/or any other amount due and payable by the Borrower(s) / Co-borrower (s) as on date of the accident which has led to the loss of life or permanent total disablement of the insured borrower(s).
a)
Rs. 5.00 Crores
b)
Rs. 10.00 Crores
c)
Rs. 25.00 Crores
d)
Rs. 50.00 Crores
52.
Maximum Baroda Home Loan Limit for purchasing a property in Mumbai is
a)
Rs.3.00 Crore
b)
Rs.5.00 Crore
c)
Rs.7.50 Crore
d)
Rs.20.00 Crore
53.
Maximum Baroda Home Loan Limit for purchasing a property in Other Metros (Hyderabad, New Delhi, Bengaluru) is
a)
Rs.3.00 Crore
b)
Rs.5.00 Crore
c)
Rs.7.50 Crore
d)
Rs.20.00 Crore
54.
Maximum Baroda Home Loan Limit for purchasing a property in Urban Centres is
a)
Rs.3.00 Crore
b)
Rs.5.00 Crore
c)
Rs.7.50 Crore
d)
Rs.20.00 Crore
55.
Maximum Baroda Home Loan Limit for purchasing a property in Tri- City in Chandigarh Region is
a)
Rs.3.00 Crore
b)
Rs.5.00 Crore
c)
Rs.7.50 Crore
d)
Rs.20.00 Crore
56.
The URL for DSAs/Dealers for onboarding of prospective borrowers in the Digital Lending Platform is
a)
https://dil.bankofbaroda.in
/partnerLogin
b)
https://dil.bankofbaroda.in
/banker
c)
https://dil.bankofbaroda.in
/dsa
d)
https://dil.bankofbaroda.in
/dealer
57.
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)
Rs. 5 lacs
b)
Rs. 10 lacs
c)
Rs. 15 lacs
d)
Rs. 25 lacs
58.
GST, Stamp duty, Registration charges, other documentation charges and other expenses like Life Insurance premium etc. should be included in the cost of house property to calculate margin / LTV ratio
a)
TRUE
b)
FALSE
59.
In case ECS credits are not successful and the customer intends to register fresh mandate, then branch users to delete the existing ECS mandate in Finacle system by invoking menu
a)
HECS
b)
HECSD
c)
HECSM
d)
HECSI
60.
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)
5 times
61.
No deviation is required in Home Loan borrower cases where Credit card status write-off/ settlement involving amount upto
a)
Rs. 5,000/-
b)
Rs. 10,000/-
c)
Rs. 15,000/-
d)
Rs. 25,000/-
62.
What are the charges applicable towards considering “Deviation” in home loan?
a)
Rs.1,000/- per deviation with a maximum ceiling of Rs.5,000/-
b)
Rs.1,500/- per deviation with a maximum ceiling of Rs.5,000/-
c)
Rs.2,000/- per deviation with a maximum ceiling of Rs.10,000/-
d)
Rs.2,000/- per deviation with a maximum ceiling of Rs.15,000/-
63.
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)
All the above
64.
No deviation is required in Home Loan borrower cases where the aggregate amount written off in regard to all the credit facilities provided to the borrower by the Bank/other banks/NBFCs was not higher than
a)
Rs. 1.00 Lac
b)
Rs.2.00 Lac
c)
Rs.5.00 Lac
d)
Rs. 10.00 Lac
65.
What is the maximum allowable Moratorium period for loan for purchase of flat on 8th floor?
a)
12 months
b)
18 months
c)
24 months
d)
36 months
66.
What is the maximum allowable Moratorium period for loan for purchase of flat on 2nd floor?
a)
12 months
b)
18 months
c)
24 months
d)
36 months
67.
ln case a source of income of an applicant is different in 2 years, the latest source of income to be assumed for the purpose of classification of borrower into salaried/nonsalaried category.
a)
TRUE
b)
FALSE
68.
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
69.
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
70.
In which of the situation delay condonation in CERSAI will be applicable?
a)
Creation of security interest beyond 30 days time period for filing transactions
b)
Modification of security interest beyond 30 days time period for filing transactions
c)
Correction of security interest beyond 30 days time period for filing transactions
d)
Correction of security interest beyond 15 days time period for filing transactions
71.
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
72.
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
73.
Ruchita, was eligible for Pre approved personal loan of Rs.3.00 lacs. However she availed loan upto Rs.1.50 lacs. After a period of 12 months, she wanted to avail the remaining amount of personal loan of Rs.1.50 lacs. Can she get the loan?
a)
Yes, as she was eligible for the loan earlier she can avail it
b)
Yes, subject to approval of deviation by RMCC
c)
No, once the pr- approved limit is availed, no further loan can be granted irrespective of utilization level
d)
Yes, subject to closure of the 1st loan that was sanctioned
74.
Margin in case of advance against shares will be reviewed on basis
a)
Daily
b)
Monthly
c)
At the time of annual review
d)
Quarterly
75.
How the margin on Alternate Investment Funds under Baroda Advance against securities will be reviewed
a)
Monthly
b)
Weekly
c)
Quarterly
d)
Yearly
76.
Incase of decline in LTV of the advance against securities, which of the following action will be taken
a)
Invoke the additional securities offered by the customer
b)
As the advance value of the loan is kept at lower limit than the value of securities so decline in LTV will not adversely affect the loan amount
c)
CFMS will send email/ SMS to the customer with a copy the branch. Branch need to follow up with the customer to infuse margin within the timeline specified in guidelines
d)
The DP must be reduced immediately to maintain LTV
77.
As per our Bank’s extant guidelines, what is the validity period of CIBIL report generated at any level
a)
15 days
b)
1 months
c)
2 months
d)
3 months
78.
What is the maximum amount of loan that can be sanctioned to public under loan against NSC Scheme?
a)
No maximum limit
b)
50000
c)
5,00,000
d)
50,00,000
79.
Maximum repayment period for loan against Life insurance policy is
.
a)
Maximum 60 EMIs or upto maturity period which ever is lower
b)
Maximum 36 EMIs or upto maturity period whichever is higher
c)
Maximum 48 EMIs or upto maturity period whichever is lower
d)
Maximum 60 EMIs or upto maturity period whichever is higher
80.
Whom among the following are not eligible for gold loan under retail loan scheme .
a)
Loan to public
b)
Loan to public and staff members
c)
Loan to individuals against Gold jewellery of third party
d)
Loan to ex staff members
81.
The bank shall have the right to revise the lump sum amount of the Baroda Ashray loan at an interval of years
a)
5
b)
3
c)
2
d)
10
82.
To extend financial assistance for construction /purchase /repairs/extension of dwelling units under the Golden Jubilee Rural Housing Finance Scheme, the borrower must be from:
a)
Metro
b)
Rural area
c)
Semi urban area
d)
Urban area
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