WorksheetsPRANAD 3 DONE
Total questions: 119
Worksheet time: 3570secs
Name
Class
Date
1.
Credit Audit applies to all fresh sanctions with minimum limits of Rs……. Crores
a)
1
b)
10
c)
3
d)
5
2.
Delay of 90 days or more in non-renewal of facilities based on audited financials, is one of the Illustrative signs of stress for categorizing an account as ___
a)
SMA 0
b)
SMA 1
c)
SMA 2
d)
NPA
3.
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
4.
A Project Loan (Infrastructure) will be termed as NPA in case of non-achievement of commercial operation within _______________.
a)
One year from DCCO along with record of recovery
b)
Two years from DCCO along with record of recovery
c)
One year from DCCO even if recovery is forthcoming
d)
Two years from DCCO even if recovery is forthcoming
5.
A set up of small scale units that allow drawing of funds upto extent of deposits is called _____
a)
Cut Back Arrangement
b)
Handholding Operations
c)
Right to Recompense
d)
Restructuring
6.
Adverse features/warning signals in the operations of a advance account can be…………………
a)
Delayed submission of stock statements and other information
b)
Delayed payment of installments and interest
c)
Frequent bouncing of cheques /frequent requests for overdrawing
d)
All of the above
7.
After a full settlement as per award under Lok Adalat has been made by the Borrower Bank has to issue
a)
Legal report
b)
Possession certificate
c)
Write off certificate
d)
Discharge certificate
8.
An account which remains in NPA category for a period of more than ____ months will be classified as doubtful asset.
a)
18
b)
12
c)
24
d)
6
9.
An account will become NPA if the regular/ adhoc credit limit have not been reviewed / renewed within a period of………….. Days from the due date of review.
a)
60
b)
90
c)
150
d)
180
10.
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
11.
lndiaFirst life Guaranteed Pension Plan provides how many different annuity options
a)
2
b)
3
c)
4
d)
5
12.
What is the Maximum entry age in lndiaFirst life Guaranteed Pension Plan
a)
60
b)
70
c)
80
d)
90
13.
As per latest Small Saving Scheme rates notified for the
period from 01.10.2022 to 31.12.2022, Kisan Vikas Patra
issued during the period will mature in _____ months.
a)
120
b)
123
c)
124
d)
125
14.
what is the menu for entering Standing instruction in SSA account?
a)
HSSASI
b)
HGBMSI
c)
HSIM
d)
can't enter SI
15.
how much turnover commission a branch can earn from an APY account from second year onwards?
a)
Rs. 50.00
b)
Rs.100.00
c)
Rs.75.00
d)
Rs. 0.065 per Rs. 100
16.
Finacle menu for issuance/generation of notices to be sent to the customer for carrying out periodic updation (Re-KYC) -
a)
RPTRA
b)
HRCREP
c)
BOBMENU
d)
HKYCREP
17.
For opening a Baroda Startup Current account entity should not be more than ___ Years old
a)
1
b)
3
c)
5
d)
7
18.
For rupay card, Claim intimation period is _____ days from the date of accident for insurance claim
a)
60
b)
30
c)
90
d)
45
19.
In case of a fixed deposit and recurring deposits, what is the amount of interest per financial year, for deduction of tax at source.
a)
Rs.40000 or above from a bank branch
b)
Above Rs.40 000 from a bank
c)
Above Rs.40000 from all branches of the bank taken together
d)
Rs.40000 and above including interest on saving bank deposits
20.
In SB194, Baroda Professional Account , Minimum QAB is Rs…………
a)
50000
b)
25000
c)
10000
d)
5000
21.
In Service Module of SIEBEL CRM, customer can be searched through:
a)
Account Number/
Customer ID/ Mobile
Number/ e-mail
b)
Account Number/
Customer ID/ Mobile
Number/ PAN
c)
Account Number/
Customer ID/ e-mail/ PAN
d)
Account Number/
PAN/ Mobile
Number/ e-mail
22.
In the case of fixed deposit (RIRD) the minimum amount of deposit is Rs. and in multiple of Rs. .
a)
100 &1000
b)
10 & 1000
c)
1000 & 100
d)
100 & 100
23.
Interest rate appicable in saving bank account is
a)
4
b)
3.5
c)
2.75
d)
2.5
24.
Manisha is working as house help at Ahmedabad. She is having her SB account SB 115 at her village. She needs to apply for cheque book . What is the most convenient way for her to do it?
a)
Go to village and apply for cheque book
b)
Go to ATM and apply for cheque bok
c)
Apply cheque book through Wats App banking number
d)
Send letter to base branch to issue cheque book
25.
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
26.
Menu for maintaining records of assets under safe customdy is
a)
SCVM
b)
SCLM
c)
HCRV
d)
SCMR
27.
Minimum amount required to open a Recurring Deposit account in Rural Area is Rs. /-
a)
100
b)
50
c)
1000
d)
500
28.
Mr. Ram wants to avail loan against Tax savings FDR Rs.10,000/-. Can we sanction such loan?
a)
Yes for loan amount up to Rs.5.00 lacs
b)
No, loans cannot be granted against tax saving FDRs
c)
Yes, loan can be granted against any FDR
d)
Yes, for loan amount upto Rs.10.00 lacs
29.
Neelam received messsage of debit of Rs. 10000/- through UPI channel, the transaction which did not initate. She immediately called contact centre to block the channel and decided to lodge claim with Insurance company. However it was informed to her that transaction took place outside India and she needed to submit passport for verification of her visit abroad. She doesnt have passport. What should she do?
a)
Her claim is not admissable
b)
She will have to prepare passport and then submit the claim
c)
She will require confirmation mal from MEA that she doesn’t have passport
d)
She can give undertaking that she doesn’t have a passport
30.
No penalty for premature payment will be levied in case of premature payment of deposits up to Rs. 5 Lakhs provided it remained with the Bank for a minimum period of months.
a)
24
b)
18
c)
12
d)
36
31.
How many services are included in bobWorld application?
a)
250 +
b)
240 +
c)
150+
d)
300+
32.
Nisha can check her one time free credit score under ____ option of bobWorld and the report will be generated by _____
a)
borrow, CIBIL
b)
invest, Equifax
c)
borrow, Equifax
d)
invest, CIBIL
33.
What is the maximum per transaction fund transfer limit (instant payments) through IMPS on bobWorld?
a)
5000
b)
10000
c)
25000
d)
50000
34.
Nischal wants to make urgent payment to dealership which are already registered beneificiaries for fuel in his trucks. How much maximum amount can he transfer per day through RTGS using bobWorld application?
a)
Rs. 2.00 lacs
b)
Rs. 5.00 lacs
c)
Rs. 10.00 lacs
d)
Rs. 20.00 lacs
35.
Garvit Wants to book a flight to San Francisco, due to holiday season flight is costing him Rs. 1,07,000/- can he book his ticket through BOB World?
a)
No as bob world per transaction limit is Rs. 25000/-
b)
No as bob world per day limit is Rs. 50000/-
c)
Yes there is no limit in flight booking
d)
Yes but he need to opt newly introduced feature book now pay later
36.
Neelam received messsage of debit of Rs. 10000/- through UPI channel, the transaction which did not initate. She immediately called contact centre to block the channel and decided to lodge claim with Insurance company. However it was informed to her that transaction took place outside India and she needed to submit passport for verification of her visit abroad. She doesnt have passport. What should she do?
a)
Her claim is not admissable
b)
She will have to prepare passport and then submit the claim
c)
She will require confirmation mal from MEA that she doesn’t have passport
d)
She can give undertaking that she doesn’t have a passport
37.
Debashish, an NRI has opened account with our Anand branch along with his wife (A resident Indian ) with operational instructions former or survivor. He wants debit card for his wife. Can it be issued?
a)
Yes since she is resident individual
b)
NO mode of operation in not appropriate for debit card
c)
NO it can only be issued in debashish's name
d)
Yes it can be issued with restricted operations
38.
What is the daily cash withdrawal limit of RUPAY Classic card?
a)
Rs. 20000/-
b)
Rs. 25000/-
c)
Rs. 15000/-
d)
Rs. 50000/-
39.
Ganesh Gruh udyog is having Rupay classic baroda deposit card. The proprietor wants to deposit Rs. 3.5 lacs cash in the account. Can he do the same?
a)
No The maximum per day transaction limit is Rs. 2.00 lacs
b)
No The maximum per day transaction limit is Rs. 3.00 lacs
c)
Yes the maximum per day transaction limit is Rs. 5.00 lacs
d)
Yes the maximum per day transaction limit is Rs. 10.00 lacs
40.
What is the daily POS/ECOM limit of VISA platinum card?
a)
Rs. 200000/-
b)
Rs. 300000/-
c)
Rs. 500000/-
d)
Rs. 1000000/-
41.
The CGCO shall have minimum _______ year service in the Audit
/ Finance / Compliance / Legal / Risk Management functions;
a)
2 years
b)
5 years
c)
7 years
d)
9 years
e)
10 years
42.
“On-Site” Compliance Test Checking on the parameters relating to KYC /AML guidelines and other aspects of compliance issues shall be carried out by Regional Compliance Officers (RCOs) of randomly selected minimum______of branches in each Region on quarterly basis.
a)
0.1
b)
0.2
c)
0.25
d)
0.3
e)
0.5
43.
Who will identify branches every quarter in each region on a risk-based approach, and share the list with respective RCOs for the purpose
of conducting On-site test check
a)
BCC (Compliance)
b)
HO (Compliance )
c)
ZH
d)
ZCO
e)
ZO (Operations Dept)
44.
The meeting of Compliance Forum should be done on _____ basis
a)
Monthly
b)
Bi monthly
c)
Quarterly
d)
Half Yearly
e)
Yearly
45.
Who are the stakeholders of Bank .1. Regulator 2. Customer 3. Investor 4. Government 5. Employees 6. Government
a)
Only 1
b)
Only 1,2,3
c)
Only 1, 2,3,4
d)
Only 1,2,3,4,5
e)
Only 1,2,3,4,5,6
46.
Under Digital Personal Loan, if the rating falls under _________ it will be referred to CPC
a)
70-79
b)
60-69
c)
50-59
d)
40-49
47.
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
48.
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.
49.
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
50.
The List of Institutes under AWES contains how many institutions
a)
10
b)
13
c)
15
d)
17
51.
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
52.
For customers not obtaining credit insurance cover under Home loan, a Risk Premium of over card rates will be applicable
a)
0.001
b)
0.0025
c)
0.005
d)
0.0005
53.
100% On road financing is being done for which car model under Baroda Auto Loan
a)
Mahindra Scorpio N
b)
Maruti Breeza
c)
Tata Nexon
d)
Hyundai Creta
54.
How many maximum co-applicants can be added in digital lending platform to increase chances of higher eligibility in case of home loa?
a)
2
b)
3
c)
4
d)
unlimited
55.
What is the full form of STP in digital lending platform?
a)
Straight through process
b)
Straight through procedure
c)
Straight through processing
d)
Straight to process
56.
Minimum investment grade credit ratings for investment exposures to non-Indian corporates is -----
a)
BBB
b)
A
c)
AA
d)
AAA
57.
Which of the following is an odd-man-out?
a)
Fitch
b)
S&P
c)
CRIF Highmark
d)
Moody's
58.
Which of the following rating agencies' registration has been recently cancelled by SEBI?
a)
India Ratings & Research private ltd
b)
Acuite rating and research limited
c)
Brickworks Ratings India pvt ltd
d)
Infomerics valuation and rating pvt ltd
59.
What is the name of not for profit organization set up for account aggregator ecosystem ?
a)
Digi locker
b)
Sahamati
c)
Jan Samarth
d)
Sahbhagyta
60.
If security perfection is pending in MSME account for 65 days then what is additional rate of interest charged on outstanding limits?
a)
0.25 % p.a..
b)
0.50 % p.a.
c)
0.75 % p.a.
d)
1.00 % p.a.
61.
What is the Inspection periodicity in loan sanctioned against WHR, except where it is linked to the credit rating of the facility?
a)
Monthly
b)
Bimonthly
c)
Quarterly
d)
Half Yearly
62.
Mr. Ramesh is having two gold loan accounts of Rs. 1.20 lakh and Rs. 1.80 lakh, now Mr. Ramesh availed one more gold loan of Rs. 50000/-, then reassaying to be done for _______ within 15 days of the new account sanctioned
a)
For the 3rd account having a limit of Rs. 50000/-
b)
For the first two accounts having a limit of Rs. 1.20 lakh & Rs. 1.80 Lakh
c)
All the 3 accounts.
d)
Reassessment is not required as the limit is below Rs. 3 lakh in all the accounts.
63.
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
64.
Select the correct option regarding incentive available to BCs/BFs for canvassing gold loan for our bank is …?
a)
It is 0.10% of loan amount
b)
It is Minimum Rs. 100/-
c)
It is maximum Rs. 1000/-
d)
All the options are correct
65.
Loans up to Rs ______ provided by banks to SHGs/JLGs for activities other than agriculture or MSME, viz. loans for meeting social needs, construction or repair of house, construction of toilets or any common activity started by SHGs will be elligible to be covered under Priority sector classification.
a)
1.00 Lac
b)
2.00 Lac
c)
5.00 Lac
d)
10.00 Lac
66.
The maximum loan of Rs ____ to distressed persons per borrower to prepay their debt to non-institutional lenders is considered under weaker section
a)
100000
b)
250000
c)
10000
d)
50000
67.
OD facility through no-frill /Basic Savings Bank Accounts should be sanctioned in eligible Savings Bank Account of customer in scheme code -----
a)
SB101
b)
SB112
c)
SB130
d)
SB150
68.
What is the maximum loan available under PMEGP for manufacturing industry?
a)
25 lacs
b)
50 lacs
c)
10 lacs
d)
20 lacs
69.
Under DAY-NRLM, loans up to Rs. 3 lakh to SHG, banks will be subvented at a uniform rate of ____% per annum.
a)
0.015
b)
0.03
c)
0.04
d)
0.045
70.
For extending finance under Agriculture by Urban & Metro branches; what is the maximum distance criteria (in a cluster apporach)?
a)
15 Km
b)
20 Km
c)
25 Km
d)
30 Km
71.
Our Bank’s net profit in (H1FY23) stood at INR ------------ Crores.
a)
3313
b)
6227
c)
6207
d)
5482
72.
Our Bank’s CRAR stood at ------------%, as on 30.09.2022.
a)
14.82
b)
15.72
c)
15.25
d)
15.75
73.
CFO of our Bank is -----------------
a)
Ajay Kumar Khosla
b)
Ian Desouza
c)
Raju Gupta
d)
Sanjeev Chadha
74.
Under which scheme, Government of India announced the amalgamation of e-Vijaya Bank and e-Dena Bank with Bank of Baroda?
a)
EASE scheme
b)
Alternative Mechanism Scheme
c)
Consolidation Scheme
d)
M&A Scheme
75.
What is the name (short form) of the latest digital currency introduced by RBI?
a)
RBDC
b)
CBDT
c)
RBDT
d)
CBDC
76.
“D” in “IDRCL” stands for ------------
a)
Delinquency
b)
Data
c)
Days
d)
Debt
77.
Another name of NARCL is -----------
a)
Bad Bank
b)
Operational Bank
c)
Alternate Bank
d)
Debt Recovery Bank
78.
Learners’ Day is celebrated on which day, in our Bank?
a)
18th November
b)
19th November
c)
20th November
d)
21st November
79.
As per Union Budget 2022-23, how many years of "Amrit Kaal" is assumed?
a)
10
b)
25
c)
21
d)
50
80.
As per Union Budget 2022-23, how many digital banking units are scheduled to be set up?
a)
100
b)
75
c)
50
d)
25
81.
As per Union Budget 2022-23, which major initiative was announced, for infrastructure development?
a)
PM GatiShakti
b)
AtmaNirbharta
c)
Sunrise Opportunities
d)
PM-DevINE
82.
Which is not one of the top -5- sourcing nations, for FDI Equity flows to India in FY 2021-22?
a)
SINGAPORE
b)
USA
c)
CHINA
d)
MAURITIUS
83.
On which date, Union Budget 2022-23 was tabled?
a)
1st February 2022
b)
28th February 2022
c)
1st March 2022
d)
1st April 2022
84.
As per Union Budget 2022-23, "R", in "RAMP" stands for ---------
a)
Restoration
b)
Rural
c)
Reorgaization
d)
Raising
85.
Micro enterprise is one in which invesment is upto Rs. ------ crores and turnover upto Rs. --------------------.
a)
1,10
b)
5,10
c)
1,5
d)
1,50
86.
Which of the folloiwng is not one of the "sunrise opportunities", as per Union Budget 2022-23
a)
A.I.
b)
Green Energy
c)
MSME
d)
Space Economy
87.
IPOs are part of which type of capital market?
a)
Primary
b)
Secondary
c)
They are not part of capital markets
d)
None of the above
88.
"PM-DevINE" initiative is aimed at --------
a)
J&K
b)
North East region
c)
Tribal Regions of Jharkhand
d)
Tribal Regions of Talmilnadu and Andaman Nikobar Islands
89.
Stand Up India Scheme is led by ------------
a)
MCA
b)
RBI
c)
FICCI
d)
SIDBI
90.
Indian Industrial Land Bank (IILB) is an initiative of DPIIT. DPIIT falls under minsirty of -----------.
a)
Finance
b)
Corporate Affairs
c)
Textile
d)
Commerce & Industry
91.
Which of the following cannot be called as "BIGTECH"?
a)
Google
b)
Meta
c)
Amazon
d)
Lenddo
92.
"e-BAAT" id the initiative of -----------
a)
RBI
b)
SEBI
c)
MCA
d)
Ministry of Commerce & Industries
93.
Which of the following is not one of the "4E" an initiative of RBI'?
a)
Everyday
b)
Everyone
c)
Everytime
d)
E-Payments
94.
Recently, in which sector/ industry, the term “moonlighting” was in the news?
a)
Banking
b)
IT
c)
Textile
d)
Iron & Steel
95.
Which credit rating agency has been recently banned by SEBI?
a)
SMERA
b)
ICRA
c)
CARE
d)
BRICKWORK
96.
“Global Fintech Fest 2022” is jointly organized by NPCI, PCI and -----------.
a)
FCC
b)
RBI
c)
IBA
d)
IIBF
97.
IndiaFirst Life Insurance Co. Ltd. is ----------- of our Bank
a)
Domestic Subsidiary
b)
Associate
c)
Joint Venture
d)
Overseas Subsidiary
98.
Which of the following companies is a “Big Tech” company?
a)
Amazon
b)
Apple
c)
Alphabet
d)
All of the above
99.
Which Bank recently launched “Niveshak Didi” program, to promote financial literacy?
a)
State Bank of India
b)
India Post Payments Bank
c)
Union Bank of India
d)
A U Small Finance Bank
100.
Which of the following words is a part of the mission statement of our Bank?
a)
Excellence
b)
Cooperation
c)
Concern
d)
Customer
101.
Our Bank was nationalized in the year ----------, along with -------- other banks
a)
1969, 13
b)
1969, 12
c)
1980, 5
d)
1969, 14
102.
How many, how many executive directors, are there in our Bank, at present?
a)
1
b)
2
c)
3
d)
4
103.
RBI's latest "Payments Vision", is aimed to be achieved till year -------
a)
2023
b)
2024
c)
2025
d)
2026
104.
From which date CPPS is mandated for cheques of Rs. 5 lacs and above?
a)
01.08.2022
b)
01.09.2022
c)
01.04.2023
d)
01.01.2023
105.
How many rays are depicted in "Baroda Sun" logo?
a)
2
b)
3
c)
4
d)
5
106.
"DAKSH" is an initiative of ----------
a)
SEBI
b)
RBI
c)
MCA
d)
IBPS
107.
Medium enterprise is one in which invesment is upto Rs. ------ crores and turnover upto Rs. --------------------.
a)
50250
b)
10,50
c)
1,5
d)
10250
108.
In terms of fintech, "T" in "IoT" stands for -------
a)
Things
b)
Technology
c)
Testing
d)
Truncation
109.
Regards to RBI's Payments Vision, "S" in "PSO" stands for ---
a)
Streaming
b)
System
c)
Settlement
d)
Scope
110.
Onsite inspections of banks is based on --------methodology.
a)
CRISIL
b)
CAMELS
c)
CCIL
d)
LFAR
111.
Sec 85 of NI Act,1881 extends protection to the
a)
paying banker
b)
collecting banker
c)
advising banker
d)
issuing banker
112.
Identify the document of title to goods:
a)
Demand Draft
b)
Bill of lading
c)
Cheque
d)
any one of the above
113.
Sec 131 of NI Act,1881 extends protection to the
a)
Paying Banker
b)
Collecting Banker
c)
Advising Banker
d)
Issuing Banker
114.
Law of limitation is not applicable in respect of :
a)
Advance against pledge of shares
b)
CC granted against hypothecation of inventory
c)
Term loan secured by mortgage of Plant & Machinery
d)
Bank Term Deposit
115.
UFCE stands for
a)
Unhedged Foreign Currency Exposure
b)
Unhedged Foreign Currency Entity
c)
Unhedged Foreign Current Exposure
d)
Unhedged Forex Currency Enterprise
116.
UFCE declaration is to be obtained from borrowers with
a)
More than Rs. 20 cr of exposure with us
b)
More than Rs. 20 cr of exposure from the entire banking system
c)
More than Rs. 25 cr of exposure with us
d)
More than Rs. 25 cr of exposure from the entire banking system
117.
AD branches may allow Qualified Jewellers to remit advance payments for ____ days for import
of Gold through IIBX in compliance to the extant Foreign Trade Policy and regulations issued under
IFSC Act
a)
180
b)
90
c)
11
d)
10
118.
The benchmark for ROI calculation to be charged on Rupee Export credit, for externally rated
borrowers, is
a)
3 months T bills
b)
6 months T bills
c)
9 months T bills
d)
12 months T bills
119.
Which of the countries is not in ACU mechanism
a)
Indai
b)
Sri lanka
c)
Maldives
d)
Thiland
100 %
