Worksheetsसक्षम की तैयारी Feb '23
Total questions: 50
Worksheet time: 25mins
Name
Class
Date
1.
How much BCSR can earn incentive?
a)
15000
b)
10000
c)
12000
d)
8000
2.
In 2nd & 3rd cycle how much indebtedness limit for A- grade branches?
a)
Rs.1,50,000/-
b)
Rs.1,25,000/-
c)
Rs.1,25,000/-
d)
Rs.1,00,000/-
3.
What is mandatory for all Bazaar Customers?
a)
UPI AutoPay
b)
NACH
c)
Both
d)
None of the Above
4.
When AM need to do Tele verfication?
a)
For Bazar HTC Product Only
b)
N2C Restricted Bazar Branches
c)
>50K Bazar Product
d)
All of the Above
5.
In Voter ID card customer name is Reema Yadav but in other KYC customer name is Reema Yadav which type of supporting documents required?
a)
All of the Above
b)
Need Afadevit
c)
AM decleration
d)
BH decleration
6.
Which Payment Bank is allowed for loan souching during VF?
a)
None of the above is allowed
b)
Fino Payments Bank
c)
Paytm Payments Bank
d)
Airtel Payment Bank
7.
In Mera Arohan ESG has how many qurestions?
a)
15
b)
20
c)
10
d)
5
8.
As per Passbook Ac holder name is “Rekha Mati” but in KYC name is “Reekha Mati”What action should be taken for this documents at Branch Level
a)
Please ask customer to correct name in Passbook and Bank account, and once it is corrected- please upload
b)
Please take affidavit from customer and upload file
c)
need BH declaration and upload file
d)
no such rule- Just Upload
9.
Is NACH mandatory for Bazar customer?
a)
No
b)
Yes
10.
How many years Saral customers live in the same area?
a)
2 years
b)
3 years
c)
5 years
d)
None of the Above
11.
How much maximum incentive CSR can earn in one month excluding Cross sell product.
a)
8000
b)
6000
c)
9000
d)
Unlimited
12.
How much Score required to pass saksham Test
a)
65%
b)
70%
c)
75%
d)
80%
13.
What is Benefits of Saksham
a)
All of the Above.
b)
Probation CSR need to score more then >=65% every month to get confirmation along with 75 DB Numbers( in 3 Months)
c)
Good Process knowladge will help you in Quality Sourcing and Controlling Errors
d)
More then >65% score in IJP will help you to appear for next level Interview.
14.
Where CSR can Fill ESG
a)
LOS
b)
LUC
c)
N Feedback
d)
CGT
15.
can CSR upload alternative proof of address if customer address mismatch
a)
Yes
b)
No
c)
No additional document required
d)
Option 1 & 2
16.
As per current update on KYC policy what are the alternative adderes proof required.
a)
All of the Above.
b)
Land line telephone bill (less than 3 months old)
c)
Bank Passbook which captures the customer’s address
d)
Electricity Bill (less than 3 months old)
17.
No Disbursement to Fino Payment Bank Accounts policy effective from ?
a)
2023-01-16 00:00:00
b)
2023-12-16 00:00:00
c)
2023-01-26 00:00:00
d)
2022-01-16 00:00:00
18.
How much maximum incentive Bazaar CSR can earn in one month excluding Cross sell product.
a)
15000
b)
25000
c)
20000
d)
Unlimited
19.
Policy on collection NACH Mandate effective from ?
a)
2022-12-28 00:00:00
b)
2023-01-28 00:00:00
c)
2022-12-18 00:00:00
d)
2023-01-18 00:00:00
20.
Mandatory registration of Bazaar Clients for UPI Autopay effective from ?
a)
2022-12-09 00:00:00
b)
2022-12-19 00:00:00
c)
2023-01-09 00:00:00
d)
2023-01-19 00:00:00
21.
LPR Report contains ?
a)
All of the Above.
b)
Through LPR, We can know current stage of any application- VF, XVF, CGT and GRT level
c)
Day of CGT1 and 2 can be identified through LPR report
d)
Through LPR- We can get mobile number of customer and also can get details if less/more digit of mobile no
22.
If there is one instance of DPD of Arohan customer how much enhancement give?
a)
10K
b)
20K
c)
5K
d)
Same Amount
23.
FOIR calulation is base on .
a)
Total EMI Obligations to be calculated at the backend by running CBs of all the adult members of the HH. Presently it's being done by
b)
Earning of the family from the heads mentioned in the Household Income
c)
BOTH
d)
Option 2
24.
As per Current KYC policy what are alternative Addres proof.
a)
Both Option 1 & 2
b)
House Tax Receipt (less than 2 years old)
c)
PAN CARD
d)
Electricity Bill (less than 3 months old)
25.
After collection time center close?
a)
60 Min
b)
30 min
c)
10 min
d)
45 min
26.
Bazaar - AM Tele Verification policy effective from?
a)
2022-10-17 00:00:00
b)
2022-12-17 00:00:00
c)
2022-09-17 00:00:00
d)
2022-11-17 00:00:00
27.
What is Household Income.
a)
Borrower & Co borrower income & her Adult Unmaaried Children income
b)
Borrower income
c)
Borrower & Co borrower income
d)
family Income
28.
Business Proof for Bazaar Product Are ?
a)
All of the Above.
b)
Registered Sales Deed of the shop.
c)
Notarized Rental Agreement of the business premises.
d)
Receipt of commercial electricity bill/commercial gas connection paid within last 3 months.
29.
PAR 61-90* Collection Incentive For RE
a)
Option 1&2
b)
Bucket reversal (2 Or more EMI) - 7%
c)
One Full Scheduled EMI Collected - 5%
d)
Option 1
30.
What needs to be done to control Audit defects
a)
All of the Above.
b)
Documents Related- CAR should be filled up properly with Photos and Attendance
c)
Branch registers should be filled up properly- BAR/CSABDER/DENSUM/Key Regieter
d)
KYC Related-Aadhar Card is not the kYC for CO-borrower.
31.
For Arohan Privilege (Digital Lending product) Rate of intrest is ..
a)
None of the above
b)
24.5%
c)
24%
d)
24.25%
32.
if a customer has saral primary loan of 18-month loan tenure , so how many the minimum EMI has to pay to get net-off
a)
14 Minimum No. of EMI
b)
12 Minimum No. of EMI
c)
10 Minimum No. of EMI
d)
15 Minimum No. of EMI
33.
Priviledge Digital Lending Customer Does not have come to Center meteting or to the Branch
a)
True
b)
No
c)
N/A
34.
Digital Lending Customer will get loan within....... of Successful loan Application
a)
5-10 Minutes
b)
5-20 Minutes
c)
10-30 Minutes
d)
30-60 Minutes
35.
Cahnge in interest rate of w,e,f 1st Feb-23 Saral( Repeats) Products
a)
24.50%
b)
24.75%
c)
24.95%
d)
23.50%
36.
A Center Must be Opned with at least how many Customer"s
a)
8
b)
12
c)
6
d)
Noon of the above
37.
In case the Current Address of the Customer is not Captured in Either of the KYC documents Submiited which of the KYC of the KYC of the KYC has to be taken
a)
All
b)
House tax Receipts
c)
Electricity Bill
d)
Ration Card
38.
What is the DPD Policy Repeats Customer
a)
DPD not more 30 days in 12months
b)
DPD not more 30 days in 9months
c)
DPD not more 45 days in 9 months
d)
DPD not more 30 days in 6 months
39.
what are the changes in processing fees Cross sell Product
a)
1.25%
b)
1%
c)
1.5%
d)
2%
40.
Which is not Counted as per POA in Case of address Mismatch
a)
Pan Card
b)
Bank Passbook Which Captures the Customer
c)
MGNERGA Job Card
d)
Passport
41.
Residence of all members must be within
a)
10 minutes walking distance from the center.
b)
15 minutes walking distance from the center.
c)
05 minutes walking distance from the center.
d)
20 minutes walking distance from the center.
42.
Possibility of getting 30 customers within
a)
500 metre radius from the center.
b)
1KM radius from the center.
c)
25KM radius from the center.
d)
1000 metre radius from the center.
43.
what are the changes in processing fees
a)
increase from 1% to 1.25%
b)
increase from 1% to 2.25%
c)
increase from 1% to 3.25%
d)
increase from 1% to 4.25%
44.
change in the processing fee effective from?
a)
1st Feb-23
b)
2nd Feb-23
c)
10th Feb-23
d)
3rd Feb-23
45.
for Arohan Privilege (Digital Lending product) processing fees is ..
a)
0.50%
b)
1.50%
c)
1.0%
d)
2.0%
46.
to get net off how much principal amount percentage customers have to pay
a)
customer must pay a minimum of 75% of Principle
b)
customer must pay a minimum of 65% of Principle
c)
customer must pay a minimum of 60% of Principle
d)
Noon of the above
47.
Primary Loan Net-Off Policy effective from
a)
10th Feb'23
b)
1st Feb'23
c)
10th Jan'23
d)
2nd Feb'23
48.
if a customer has saral primary loan of 18-month loan tenure , so how many the minimum EMI has to pay to get net-off
a)
14 Minimum No. of EMI
b)
12 Minimum No. of EMI
c)
10 Minimum No. of EMI
d)
15 Minimum No. of EMI
49.
if a customer has saral primary loan of 23/24-month loan tenure , so how many the minimum EMI has to pay to get net-off
a)
19 Minimum No. of EMI
b)
18 Minimum No. of EMI
c)
20 Minimum No. of EMI
d)
14 Minimum No. of EMI
50.
In case none of the addresses of KYC are not matching with customer's Current address, what Action should be taken by CSR
a)
additional proof of address needs to be uploaded.
b)
Reject the application
c)
Take BH declaration
d)
Take AM declaration
100 %
