WorksheetsRO Credit Heads
Total questions: 49
Worksheet time: 25mins
Name
Class
Date
1.
Implementation of Paperless Office through paperless Phase 1st in RETAIL LOANS (effective from 01.10.2024)-which cases is not applicable………?
a)
Concession
b)
Deviations
c)
Permission to study in USA
d)
Retail Loan Sanction to higher authorities (RO/ZO/BCC)
2.
What is the CMR benchmark for funding under FRR is allowed?
a)
Upto CMR 5
b)
Upto CMR 6
c)
Upto CMR 7
d)
Upto CMR 4
3.
No Fresh / Incremental business will be allowed in all retail loans CMR ………..rated accounts
a)
CMR 6 & below
b)
CMR 7 & below
c)
CMR 8 & below
d)
CMR 5 & below
4.
As per latest mortgage loan guidelines for the Ticket size …………….. shall be taken into consideration instead of present location of branch where loan is considered to be parked underBML scheme for both cases?
a)
Location of branches
b)
As per government guidelines i.e. census
c)
Location of property offered as security
d)
None of the above
5.
Revised Home Loan FOIR for GMI slab from Rs.50000/- & above but less than Rs.1.00 Lacs is
a)
65
b)
60
c)
50
d)
40
6.
Revised Home Loan FOIR for GMI slab from Rs.200000/- & above
a)
80
b)
75
c)
70
d)
65
7.
Release of movable/Immovable security charged to repayment/settlement of Mortgage Based Retail Loans within a period of ………..days.
a)
7
b)
15
c)
30
d)
45
8.
What is the penalty to be paid for delay in release of movable/Immovable security charged beyond 30 days as acompensate to the borrower is Rs.
a)
5000 for each day of delay
b)
25000 for each day of delay
c)
10000 for each day of delay
d)
15000 for each day of delay
9.
Baroda Home Loan to Corporates -Company /Firm should be incorporated for at least ……..year/years.
a)
1
b)
3
c)
5
d)
2
10.
Baroda Home Loan to Corporates -Company /Firm should be actively engaged in business activities for at least ………..year/years.
a)
1
b)
2
c)
3
d)
5
11.
The property should not be sold within 03 years of purchase in case of Baroda Home Loan to Corporates -Company/firm.If property is sold within 03 years of acquisition /completion of construction ………% additional ROI to be levied since inception.
a)
1 .00 %
b)
2.00 %
c)
6.00 %
d)
4.00 %
12.
What is the benchmarks for quarter wise NPA/SMA 1 level- Overall NPA % of loans under this HL to corporate loan product should not be more than ……..% & in case SMA 1 of loans under this product should not be more than ………%.
a)
2.50 % & 5%
b)
1 % & 3%
c)
2 % & 5 %
d)
1.50 % & 3%
13.
What is the minimum acceptable externally rating for Baroda Home Loan to Corporates.
a)
AA
b)
A
c)
BBB
d)
BB
14.
What is the maximum loan amount as per scheme to Baroda Home Loan to Corporates.
a)
500 lacs
b)
400 lacs
c)
200 lacs
d)
100 lacs
15.
What is maximum LTV ratio allowed in case of Baroda Home Loan to Corporates.
a)
80 %
b)
75 %
c)
70 %
d)
65 %
16.
Maximum repayment period for fresh loan including moratorium period- Baroda Home Loan to Corporates?
a)
25 years
b)
20 years
c)
15 years
d)
10 years
17.
Which documents (Declaration to be taken from company related to total borrowing) to be obtained every year as a declaration in case of Baroda Home Loan to Corporates.
a)
LDOC 80
b)
LDOC 82
c)
LDOC 83
d)
LDOC 85
18.
What is the deviation charges per deviation -minimum & maximum -Baroda Home Loan to Corporates.
a)
Minimum -1500/-+GST & Maximum-3000/-+GST
b)
Minimum -1500/-+GST & Maximum-5000/-+GST
c)
Minimum -3000/-+GST & Maximum-10000/-+GST
d)
Minimum -2500/-+GST & Maximum-7500/-+GST
19.
What is the maximum LTV norms for loan amount above Rs.75 lacs -Baroda Home Loan Scheme.
a)
Group- A-90 % of agreement value & cost of additional work(as per guidelines) or Group-B- 75 % of Realizable Value whichever is lower.
b)
Group- A-90 % of agreement value & cost of additional work(as per guidelines) or Group-B- 85 % of Realizable Value
c)
Group- A-80 % of agreement value & cost of additional work(as per guidelines) or Group-B- 95 % of Realizable Value
d)
Group- A-85 % of agreement value & cost of additional work(as per guidelines) or Group-B- 75 % of Realizable Value
20.
What is the value of properties in case of residential properties for Hyderabad & Oher centers for Second Valuation Report from empanelled valuers approved by bank shall be obtained in case threshold limit exceeds for properties.
a)
Above 7.50 crores & Above 5 crores
b)
Above 10 crores & Above 5 crores
c)
Above 5 crores & Above 3 crores
d)
Above 5 crores & Above 2 crores
21.
PM SURYAGHAR YOJANA Scheme is new scheme for which target group
a)
Existing Home Loan
b)
Fresh Prospective borrowers
c)
Housing loan borrower with other bank
d)
All the above
22.
What is the maximum capacity for solar unit is considered in the scheme?
a)
3 KW
b)
5KW
c)
7 KW
d)
10KW
23.
What is the margin for solar unit generation for 5 KW?
a)
20% of total project cost
b)
15% of total project cost
c)
10% of total project cost
d)
5% of total project cost
24.
What is the maximum limit for unit capacity of 7 KW
a)
No limit
b)
6 Lacs
c)
5 Lacs
d)
2 Lacs
25.
What will be the subsidy amount eligible by the borrower who is genearting 6 KW solar unit ?
a)
18000
b)
30000
c)
60000
d)
78000
26.
Fixed rate ROI option will be changed once in ………years
a)
1 year
b)
2 years
c)
3 years
d)
5 years
27.
What is the annual gross parental income /family income for CSIS ?
a)
Rs. 2.00 Lakhs
b)
Rs. 3.00 Lakhs
c)
Rs.4.50 Lakhs
d)
Rs.6.00 Lakhs
28.
What is the concession in ROI allowed for a girl child Baroda Scholar Education Loan Scheme (Premier Institutes)?
a)
0.50%
b)
0.10%
c)
0.0025
d)
No concession
29.
If a RAPC is headed by AGMs all deviation will falls under which credit committee?
a)
COCC-GM
b)
RMCC
c)
ZOCC-GM
d)
RAAC
30.
What is the annual family income for "Padho Pardesh" Scheme?
a)
Rs. 2.00 Lakhs
b)
Rs. 3.00 Lakhs
c)
Rs.4.50 Lakhs
d)
Rs.6.00 Lakhs
31.
If a borrower is not availing insurance cover in Baroda Scholar EL Scheme for collateral free loan of Rs. 35.00 lakhs from Premier Institute. What will be the ARP applicable in this case?
a)
0.10%
b)
Not applicable
c)
0.05%
d)
Can be waived by higher authority
32.
Beyond the DLP of RAPC headed by CM/SM-deviation will falls under …………..
a)
COCC-GM
b)
RMCC
c)
ZOCC-GM
d)
RAAC
33.
What is the TAT defined for mortgage based retail loan processed at RAPC without deviation?
a)
Less than or equal to 5 days
b)
Less than or equal to 6 days
c)
Less than or equal to 7 days
d)
Less than or equal to 9 days
34.
CSIS Undertaking -Eligible & Not Eligible Document is generated through LLPS for
a)
Rest of India
b)
Maharashtra
c)
Both
d)
Only for A
35.
What is the unified processing charges criteria applicable in case of Baroda Scholar Collateral Free Education Loan Scheme (Premier Institutes)?
a)
1.00% of Loan amount (Maximum Rs. 10,000/-+GST) to be recovered upfront which will be refunded if the student avails the loan within a period of 3 months from the date of sanction. The amount can be refunded to the credit of Saving Bank account/ Loan account of the student/ borrower.
b)
If the student does not avail the loan within a period of 3 months from the date of sanction, then the deposit of Rs. 10,000 to be appropriated as processing charges.
c)
Only A
d)
Both
36.
What is the annual cap of per group limit -individual sanctioning of Scale IV?
a)
15 times of per party limit
b)
20 times of per party limit
c)
25 times of per party limit
d)
30 times of per party limit
37.
What is the timelines for disposal of retail loan application at RO/ZO level (As per GCEMP) ?
a)
Within -10- working days
b)
Within -15- working days
c)
Within -7- working days
d)
Within -1- week
38.
If Income Certificate is not obtained during processing loan in LLPS. A undertaking has to be submitted by borrower .Within how many days from the date of sanction the certificate has to be submitted to branch?
a)
30 days
b)
45 days
c)
60 days
d)
90 days
39.
Which Education Loan Scheme is exempted from obtaining mandatorily PAN card during processing of loan?
a)
Baroda Skill Loan Scheme
b)
Baroda Scholar Scheme
c)
Baroda Vidya Scheme
d)
Baroda Gyan Scheme
40.
What is the DLP of Scale IV & above for financing SHG promoted by DAY-NRLM?
a)
Rs. 1.00 crore
b)
Rs. 2.00 crore
c)
Can be sanctioned as per their normal DLP
d)
Can finance upto Rs.1.50 crore only.
41.
If proposal falls under ZOCC -Property is registered within last 12 months -deviation will fall under which committee?
a)
ZOCC-GM
b)
RMCC
c)
DNCC
d)
CACB
42.
A customer visited to branch to avail TOD facilities - How much TOD a Scale II-Branch head can give to this customer as per his DLP?
a)
As per turnover in the customer accounts.
b)
Rs.2.00 Lakhs maximum
c)
Rs.62,500/-
d)
Not allowed as per guidelines
43.
If a customer default to submit the financial paper for review . He has also not in habit of providing stock statement .Most of the time interest is not served timely in his loan accounts. What will be the Penal charges applicable in this case?
a)
6 % of the outstanding balance for the default period for all non compliance instances.
b)
No penalty
c)
2 % of the outstanding balance for the default period for all non compliance instances.
d)
1 % of the outstanding balance for the default period for all non compliance instances.
44.
What is KFS?
a)
Key Fact Sanction -Terms & Conditions
b)
Key Financial Statement-Terms & Conditions
c)
Key Financial Sanction-Terms & Conditions
d)
Key Facts Statement-Terms & Conditions
45.
What is the mandatorily document required in case of education loan as per IBA ?
a)
Aadhar Card
b)
Admission Letter
c)
Fee Structure
d)
PAN Card of the student
46.
Which retail product (including digital loan ) is allowed fixed ROI for entire loan tenure?
a)
Home Loan
b)
Mortgage Loan
c)
Auto Loan
d)
Personal Loan
47.
What is the annual cap of per party limit -individual sanctioning of Scale III?
a)
15 times of per party limit
b)
20 times of per party limit
c)
25 times of per party limit
d)
30 times of per party limit
48.
Which retail product is only available for Metro and Urban Branches?
a)
PM Surya Ghar Yojana-Composite
b)
Baroda Premium Home Loan
c)
Home Loan to Corporates
d)
Home Suvidha Loan
49.
What is the minimum & maximum amount can be given under Baroda Skill Loan?
a)
Minimum -10000 & Maximum-150000
b)
Minimum -5000 & Maximum-150000
c)
Minimum -10000 & Maximum-200000
d)
Minimum -10000 & Maximum-100000
100 %
