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WorksheetsRetail Assets Quiz, BA, Pune
Total questions: 100
Worksheet time: 50mins
Name
Class
Date
1.
For a person employed in Merchant Navy, emoluments are considered on the basis of
a)
Last 3 months average
b)
Last Drawn Salary
c)
Last 6 months average
d)
Last 12 months average
2.
In case of NRI self employed to be eligible for HL, they should be staying abroad at least for……….. year
a)
1
b)
2
c)
3
d)
No such condition
3.
A, B and C are three persons. A and B are close relative but C is not a close relative. Property is in the name of A and C. A is the primary applicant, now for the purpose of increased eligibility, can we take B as Co-applicant?
a)
Yes
b)
No
c)
Yes but with consent of C through undertaking
d)
Yes but with consent of C through affidavit
4.
Who is not eligible for Housing Loan?
a)
Resident Indians
b)
NRI holding foreign passport
c)
Staff Member
d)
Non Individuals jointly with individuals
5.
Co-applicant whose income is not considered for eligibility should be employed/engaged in business/profession for a minimum period of……….. year
a)
1
b)
2
c)
3
d)
None of the above
6.
Who can consider the Home Loan proposal Where House/ Flat is older than 25 years, and the loan is considered up to the period of residual life as mentioned in the valuation report of by the Valuer?
a)
Sanctioning Authority can consider the same upto that period without any deviation
b)
RMCC
c)
DRMCC
d)
ZOCC
7.
Maximum exit age (by the time loan has to be repaid) of Salaried person in HL (without deviation) can be
a)
60 years
b)
Retirement age
c)
70 years with certain conditions
d)
65 years with certain conditions
8.
Maximum Age relaxation is provided to Non-Salaried if …………..is added as Co-applicant /Guarantor
a)
Any close relative with sufficient income
b)
Only Son, Daughter or Spouse who is a Legal heir
c)
Only Son, Daughter or Spouse who is a Legal heir with sufficient income
d)
Only Son, Spouse who is a Legal heir with sufficient income
9.
What is the maximum time allowed for completion of construction on a plot purchased under our Housing loan Scheme without any deviation?
a)
1 year
b)
2 years
c)
3 years
d)
5 years
10.
In case of takeover of HL, prior clearance is required from
a)
RO
b)
ZO
c)
BCC
d)
None of the above
11.
In case of takeover of HL, the account should not have been classified under………… during the last one year
a)
SMA-0
b)
SMA-1
c)
SMA-2
d)
SMA-1 and SMA-2 both
12.
If property is purchased within last 3 years, the valuation norms to take …………… as valuation of property are no applicable in HL takeover case.
a)
The amount of registered sale deed
b)
Market value of the property
c)
Realizable value of property
d)
Force sale value of the property
13.
In case of reimbursement of expenses under HL, the minimum rating has to be
a)
HL-1
b)
HL-2
c)
HL-3
d)
HL-5
14.
In case of reimbursement of expenses under HL, the expenses must be incurred within…………. months
a)
24
b)
6
c)
12
d)
15
15.
If the expenses incurred (eligible) for construction of house is Rs50 lakhs, the maximum amount of HL can be Rs………..lakhs in case of reimbursement
a)
40
b)
37.5
c)
45
d)
36
16.
If the cost of purchasing the house is Rs36.00 lakhs, the maximum eligible amount considering LTV under HL will be Rs………… lakhs
a)
28.8
b)
32.4
c)
30
d)
27
17.
In case of Baroda Pre-Approved loan, the ‘in-principle’ approval shall be valid for
a)
-4- months from the date of issue
b)
-3- months from the date of issue
c)
-6- months from the date of issue
d)
-9- months from the date of issue
18.
In case of Baroda Topup loan, if the linked Home Loan is pre-closed, Top up loan also needs to be closed
a)
Immediately
b)
Within -1- year
c)
Within -3- years
d)
Need not to close
19.
Maximum no. of times that Baroda Topup loan can be availed during the tenure of Home loan
a)
2 times
b)
3 times
c)
5 times
d)
7 times
20.
Margin in case of Baroda Suvidha Personal loan in Category A is
a)
Nil
b)
10%
c)
05%
d)
20%
21.
In case of takeover of Home Loan of Non Individual entities standing as an applicant/ co-applicant/ guarantor alongwith the individual applicant(s), The firm/ company should be incorporated for atleast
a)
1 year
b)
2 years
c)
3 years
d)
5 years
22.
In case of takeover of Home Loan of Non Individual entities standing as an applicant/ co-applicant/ guarantor alongwith the individual applicant(s), during last 12 months the firm/ company should not have slipped into
a)
SMA- 2 category
b)
SMA -0, SMA -1 & SMA-2 category
c)
SMA -0 & SMA -1
d)
SMA -1 & SMA -2
23.
Maximum Limits assigned under takeover of Home Loan of Non Individual entities standing as an applicant/ co-applicant/ guarantor alongwith the individual applicant(s) is
a)
Rs. 5 Crore
b)
Rs. 10 Crore
c)
Rs. 15 Crore
d)
Rs. 25 Crore
24.
Income documents waived for PALs for Home Loans up to
a)
Rs.10 lac
b)
Rs. 20 Lac
c)
Rs. 25 Lac
d)
Rs. 30 Lac
25.
Maximum age of the applicant (if income is not considered) in case of Pre-approved Home loan limit is
a)
50 years
b)
55 years
c)
60 years
d)
65 years
26.
For borrowers requesting moratorium beyond the powers of sanctioning authority and having present outstanding balance above Rs. 10/- Lakhs beyond 24 months is under the power of
a)
Next higher authority/RMCC (whichever is higher)
b)
ZOCC-GMCC
c)
ZOCC-GM
d)
DRMCC
27.
Incase of Baroda Car Loan what % of ROI concession is given to customer who offered liquid security like FS/KVP/LIC etc?
a)
0.25%
b)
0.50%
c)
0.75%
d)
0.10%
28.
What is the specific pre fixed EMI dates for retail loans?
a)
04 & 10
b)
5 & 10
c)
01, 05 & 10
d)
01,08,16,25
29.
What minimum percentage of liquid collateral security to be offered for concession in ROI in Baroda Car Loan?
a)
10% of loan amount
b)
25% of loan amount
c)
40% of loan amount
d)
50% of loan amount
30.
Which no is required for RC verification of VAHAN
a)
7738299888
b)
7738288988
c)
7738299899
d)
7738299898
31.
What is the margin in two wheeler auto loan above 3 lacs
a)
5%
b)
10%
c)
15%
d)
20%
32.
How many maximum deviations allowed in auto loan?
a)
2
b)
3
c)
4
d)
5
33.
Validity of MOU with Car dealer is
a)
12 months
b)
24 months
c)
36 months
d)
60 months
34.
What is the maximum age including repayment period for availing the car loan?
a)
75 years
b)
60 years
c)
65 years
d)
70 years
35.
What is the minimum age of co applicant required for applying the car loan?
a)
16 years
b)
18 years
c)
20 years
d)
21 years
36.
What is the minimum age of applicant required for applying the car loan?
a)
16 years
b)
18 years
c)
20 years
d)
21 years
37.
What is the minimum CREDIT RATING required for sanctioning the car loan
a)
CL4
b)
CL5
c)
CL6
d)
CL7
38.
Mandatory requirement of credit shield in form of Term Life Insurance or Group Credit life Insurance for loans above …………….. Is mandatory in Two Wheeler Loan
a)
Rs. 2.00 Lakhs
b)
Rs. 3.00 Lakhs
c)
Rs. 5.00 Lakhs
d)
Rs. 6.00 Lakhs
39.
Margin in Two Wheeler Loan amount up to Rs.3.00 lakhs
a)
5% of the invoice value
b)
10% of the invoice value
c)
15% of the invoice value
d)
20% of the invoice value
40.
Baroda Vidya education loan is for which target group
a)
Nursery to Standard XII
b)
College and Higher Education in India
c)
Studies Abroad
d)
For Skill Development Courses
41.
Baroda Gyan education loan is for which target group
a)
Nursery to Standard XII
b)
College and Higher Education in India
c)
Studies Abroad
d)
For Skill Development Courses
42.
Baroda Scholar education loan is for which target group
a)
Nursery to Standard XII
b)
College and Higher Education in India
c)
Studies Abroad
d)
For Skill Development Courses
43.
What is the quantum of finance in Baroda Vidya education loan scheme ?
a)
Maximum Rs. 4.00 lakh
b)
Maximum Rs. 5.00 lakh
c)
Maximum Rs. 10.00 lakh
d)
No Limit
44.
What is the quantum of finance in Baroda Gyan (except Medical and Aviation courses) education loan scheme?
a)
Maximum Rs. 25.00 lakh
b)
Maximum Rs. 10.00 lakh
c)
Maximum Rs. 15.00 lakh
d)
Maximum Rs. 20.00 lakh
45.
What is the quantum of finance in Baroda Gyan education loan scheme for Medical and Aviation courses?
a)
Maximum Rs. 100.00 lakh
b)
Maximum Rs. 125.00 lakh
c)
Maximum Rs. 50.00 lakh
d)
Maximum Rs. 80.00 lakh
46.
What is the quantum of finance in Baroda Scholar education loan scheme for Premier Institution ?
a)
Maximum Rs. 150.00 lakh
b)
Maximum Rs. 40.00 lakh
c)
Maximum Rs. 80.00 lakh
d)
Maximum Rs. 100.00 lakh
47.
What is the quantum of finance in Baroda Scholar education loan scheme for those institution which are not in the list of Premier Institution?
a)
Maximum Rs. 25.00 lakh
b)
Maximum Rs. 40.00 lakh
c)
Maximum Rs. 50.00 lakh
d)
Maximum Rs. 60.00 lakh
48.
What is the margin in Baroda Vidya Scheme?
a)
5 percent
b)
10 percent
c)
20 percent
d)
nil
49.
How much amount we can finance in Baroda Education Loan to students of Premier Institutions under list AA in India without security
a)
Maximum Rs. 20 lakh
b)
Maximum Rs. 30 lakh
c)
Maximum Rs. 40 lakh
d)
Full Amount
50.
How much amount we can finance in Baroda Education Loan to students of Premier Institutions under list A in India without security
a)
Maximum Rs. 20 lakh
b)
Maximum Rs. 30 lakh
c)
Maximum Rs. 25 lakh
d)
Maximum Rs. 40 lakh
51.
What is Unified Processing Charges for Baroda Education loan for Premier Institutions in India
a)
nil
b)
0.25 percent of sanctioned amount
c)
0.50 percent of sanctioned amount
d)
1.00 percent of sanctioned amount
52.
What is minimum amount of finance in Baroda Skill Loan Scheme
a)
Rs. 5000/-
b)
Rs. 10000/-
c)
Rs. 15000/-
d)
Rs. 25000/-
53.
What is maximum amount of finance in Baroda Skill Loan Scheme
a)
Rs. 50000/-
b)
Rs. 100000/-
c)
Rs. 150000/-
d)
Rs. 200000/-
54.
What is Unified Processing Charges for Baroda Scholar loan
a)
nil
b)
0.25 percent of sanctioned amount
c)
0.50 percent of sanctioned amount
d)
1.00 percent of sanctioned amount
55.
What is the Moratorium period for Baroda education loan for Executive Development Program to students of Premier Institutions
a)
Course Period
b)
Course Period + 3 month
c)
Course Period + 6 month
d)
Course Period + 12 month
56.
Who has the authority to waive third party guarantee in Baroda Gyan Education loan Scheme
a)
Sanctioning authority
b)
RMCC
c)
ZOCC
d)
GMCC
57.
Baroda Vidya education loan can be given in how many stages
a)
2
b)
3
c)
4
d)
5
58.
How much concession we provide to girl students under Baroda Vidya Education loan Scheme
a)
0.25%
b)
0.50%
c)
0.10%
d)
0.20%
59.
what is the mortgage creation charges for retail loan amount upto 10 lacs?
a)
Rs 500 per lac
b)
Rs 1000 per lac
c)
Rs 2000 per lac
d)
Rs 10000 per lac
60.
what is the minimum property value for which notice may be published in one of the local newspaper through one advocate .where the property is situates,calling for objection ?
a)
Rs 3 crore
b)
Rs 5 crore
c)
Rs 7 crore
d)
Rs 10 crore
61.
what is the cut off credit ratings score for mortgage loan?
a)
110
b)
111
c)
112
d)
113
62.
What is the max. .no of co-applicant whose income is considered for eligibility in BML?
a)
1
b)
2
c)
3
d)
4
63.
Mortgage creation charges for retail loan above 50 Lac to upto 1cr.
a)
5000+GST
b)
10000 + GST
c)
15000 + GST
d)
20000 + GST
64.
what is the turnover in balance sheet non individual entities eligible for Baroda Mortgage
a)
Rs. 1 CR
b)
Rs. 2 CR
c)
Rs. 3 CR
d)
Rs. 5 CR
65.
In case of overdraft baroda mortgage loan repayment period?
a)
120 month
b)
137 month
c)
144 month
d)
156 month
66.
Moratorium period for Baroda mortgage loan ?
a)
3 month
b)
6 month
c)
12 month
d)
24 month
67.
Who can be joined as a Co Applicant for Increasing the eligibility for Loan under Baroda Personal Loan
a)
only blood relatives
b)
no co applicant allowed
c)
only spouse
d)
business partners
68.
What is the minimum age criteria for considering a borrower under Baroda Personal Loan
a)
18 years
b)
20 years
c)
21 years
d)
no such clause
69.
For applying personal loan, the prospective borrower must be employed at least for the last
a)
06 months
b)
10 months
c)
2 year
d)
1 Year
70.
What is the minimum tenure of business continuity for an Insurance agent, to be eligible for Personal Loan?
a)
06 months
b)
12 months
c)
36 months
d)
24 months
71.
What is the maximum loan limit as per Scheme guidelines under Baroda Personal Loan?
a)
Rs. 5 Lakhs
b)
Rs. 8 Lakhs
c)
Rs. 10 Lakhs
d)
Rs. 20 Lakhs
72.
What is the minimum limit in Metro/urban as per Scheme guidelines under Baroda Personal Loan?
a)
Rs. 1.00Lakhs
b)
Rs.1.50 Lakhs
c)
Rs 0.75 Lakhs
d)
Rs. 0.50 Lakhs
73.
What is the minimum limit in Semi-urban/Rural as per Scheme guidelines under Baroda Personal Loan?
a)
Rs. 0.50 Lakhs
b)
Rs. 0.75 Lakhs
c)
Rs. 1.00 Lakhs
d)
Rs. 0.25 Lakhs
74.
Maximum repayment Period permissible in Baroda Personal Loan to self employed having account relationship with us.
a)
36 months
b)
48 Months
c)
60 months
d)
84 months
75.
Maximum repayment period allowed under Baroda Personal Loan to employee Public Sector undertaking having Salary account with our Bankis
a)
48 months
b)
60 months
c)
72 months
d)
84 momths
76.
Maximum age of a applicant can be ____ Years under scheme of baroda loan to pensioner
a)
18
b)
21
c)
75
d)
60
77.
Maximum limit can be sanctioned under scheme Baroda Loan to Pensioner to a regular pensioner of 70 year age is Rs. __Lakhs
a)
8
b)
5
c)
1.5
d)
3
78.
Maximum limit can be sanctioned under scheme Baroda Loan to Pensioner to a family pensioner of 70 year age is Rs. __Lakhs
a)
8
b)
5
c)
1.5
d)
3
79.
Maximum limit that can be sanctioned under scheme Baroda Loan to Pensioner to a regular pensioner of above 70 year age is Rs. __Lakhs
a)
8
b)
5
c)
1.5
d)
3
80.
Maximum limit can be sanctioned under scheme Baroda Loan to Pensioner to a family pensioner of above 70 year age is Rs. __Lakhs
a)
8
b)
5
c)
1.5
d)
3
81.
Maximum deduction or FOIR allowed under scheme of Baroda Loan to Pensioner is
a)
40%
b)
50%
c)
60%
d)
70%
82.
A pensioner is having age of 72 Years and requested to avail baroda loan to pensioner. What can be the allowed maximum repayment period under the scheme ?
a)
24 Month
b)
36 Months
c)
48 Months
d)
60 Months
83.
A pensioner is having age of 68 Years and requested to avail baroda loan to pensioner. What can be the allowed maximum repayment period under the scheme ?
a)
24 Month
b)
36 Months
c)
48 Months
d)
60 Months
84.
Our bank has decided to plant a tree against each ___________ loan that is disbursed /going to be disbursed by the bank as "Eco Dost" to the environment.
a)
Education
b)
Home
c)
Auto
d)
Mudra Loan
85.
For Baroda Car Loan to Corporates having CMR Rank 1 to 5, minimum Tangible Net Worth of at least ______ times of loan requested is required.
a)
2
b)
3
c)
5
d)
10
86.
What is the threshold for sending individual PSR for Review of Baroda Home Loan, if terms & conditions of sanction are complied with?
a)
Above Rs. 5.00 Lacs
b)
Above Rs. 10.00 Lacs
c)
Above Rs. 25.00 Lacs
d)
Need not to send
87.
Government of India has launched a unique digital portal linking “Credit Linked Government schemes” on a single platform. The portal name is....?
a)
Jan Sahayta
b)
Jan Udhar
c)
Jan Samarth
d)
Jan Kalyan
88.
RBI has revised the LTV ratio at 90% for Home Loans upto ______ .
a)
Rs. 10 lacs
b)
Rs. 20 lacs
c)
Rs. 30 lacs
d)
Rs. 50 lacs
89.
Our Bank has decided to accept ____________ years’ Search Report (NEC) instead of -30- years in respect of mortgage based Retail Loans up to Rs.1.00 Crore subject to exceptions.
a)
15 years
b)
13 years
c)
11 years
d)
18 Years
90.
Which is the odd one out in terms of eligibility in Car loans?
a)
NRI
b)
HUF
c)
Non-Individual
d)
Individual
91.
Who is the competent authority to reduce margin below 25% in Baroda loan against gold ornaments/jewellery?
a)
ZOCC
b)
COCC-CGM
c)
COCC-ED
d)
Not allowed
92.
In Baroda Loan against Gold Ornaments and Jewellery,the weight of specially minted gold coins should not exceed how many grams per customers ?
a)
50
b)
75
c)
100
d)
250
93.
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
94.
Whom among the following are not eligible for gold loan under retail loan scheme __________ .
a)
Loan to public
b)
Loan to individuals against Gold jewellery of third party
c)
Loan to staff members
d)
Loan to ex-staff members
95.
The Baroda Home Loan Top-up Overdraft Facility will be permitted to operate on a reducing limit/drawing power arrangement on the …………... basis
a)
Monthly
b)
Quarterly
c)
Annually
d)
Overdraft facility is not allowed
96.
Maximum Baroda Home Loan Limit for purchasing a property in Mumbai is.........
a)
Rs.5.00 Crore
b)
Rs.7.50 Crore
c)
Rs.10.00 Crore
d)
Rs.20.00 Crore
97.
Re-assaying of _______ of the pledged Gold ornaments/ jewellery outstanding at the end of each quarter sanctioned during that quarter is to be carried out by an officer and assayer of another Branch.
a)
20%
b)
25%
c)
40%
d)
At the discretion of the Branch Head
98.
How much Moratorium is allowed in case of Baroda Scholar (Education Loan for studies abroad) Loan Scheme?
a)
Course period + 1 year
b)
Course period + 6 months
c)
6 months after getting the Job
d)
Course period + 1 year or 6 months after getting the Job whichever is earlier
99.
What is the maximum limit for “Baroda Auto Loan for Pre-owned Car” as per scheme guidelines for all categories?
a)
Rs. 25.00 Lacs
b)
Rs. 50.00 Lacs
c)
Rs. 100.00 Lacs
d)
Rs. 200.00 Lacs
100.
What is the maximum repayment period for a Term Loan sanctioned under “Baroda Mortgage Loan”?
a)
240 months
b)
180 months
c)
144 months
d)
120 months
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