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WorksheetsOther Retail LoansJAN26
Total questions: 73
Worksheet time: 38mins
Name
Class
Date
1.
Which of the following service/business criteria is/are correct pertaining to Baroda Personal Loan?
a)
Continuous service of 1 year for employees of private limited companies
b)
doing business from last 2 years if insurance agent
c)
Minimum 1 year stable business for self employed professionals
d)
Employees of LLP are eligible but employees of partnership firm are not eligible
2.
Which of the following is/are not eligible for Baroda Personal Loan?
a)
Staff members
b)
Employees of proprietorship firm
c)
NRI
d)
Employees of Partnership Firm
e)
None of above
3.
What is minimum satisfactory A/c relationship required for availing Baroda Personal Loan with our / other Bank?
a)
minimum 6 months
b)
minimum 12 months for other Banks & minimum 6 months for our Bank
c)
minimum 12 months
d)
minimum 12 months for other Banks & minimum 3 months for our Bank
4.
Under Baroda Personal Loan Scheme group C category is divided into 2 groups
a)
Platinum & Gold
b)
Gold & Silver
c)
Platinum & Diamond
d)
Diamond & Gold
5.
What is/are correct pertaining to age criteria of Baroda Personal Loan?
a)
Maximum age 60 years for salaried person including repayment period
b)
Maximum age 65 years for non-salaried person including repayment period
c)
Minimum age is 21
d)
options 2 & 3 are correct
6.
Which is/are correct pertaining to loan limit under Baroda Personal Loan?
a)
min Rs.1.00 Lakhs (M/U) & Rs.0.50 Lakh (R/SU)
b)
Max limit Rs.2.00 Lakhs (category A) & Rs.15.00 Lakhs (category B)
c)
Max Rs.15.00 Lakhs (category C silver )
d)
Max Rs.20.00 Lakhs (category C gold )
e)
Option 1 & 4 are correct
7.
What is max repayment period under Baroda Personal Loan Scheme?
a)
48 M
b)
60 M
c)
72 M
d)
84 M
8.
What is FOIR for Gold category under Baroda Personal Loan?
a)
50% of GMI
b)
60% of GMI
c)
75% of GMI
d)
70% of GMI
9.
Any prepayment of EMI in full or part & closure of the personal loan A/c within 36 month will attract prepayment charges of _____
a)
3%+GST
b)
2%+GST
c)
1%+GST
d)
no prepayment charges in personal loan
10.
What is unified processing charges for Gold category under Baroda Personal Loan Scheme?
a)
1%
b)
2%
c)
NIL
d)
0.50%
11.
under Baroda Personal Loan concession of ____in ROI may be allowed to all borrower categories (A, B , C) if covered under GCLI policy
a)
0.10%
b)
0.05%
c)
0.15%
d)
0.20%
12.
What is minimum & maximum loan amount of Personal Loan for SB182 & SB186 ?
a)
min Rs.2.00 Lakhs & max Rs.20.00 Lakhs
b)
min Rs.0.50 Lakhs & max Rs.20.00 Lakhs
c)
min Rs.1.00 Lakhs & max Rs.25.00 Lakhs
d)
no min limit but max limit is Rs.25.00 Lakhs
13.
What is age criteria for Baroda Insta Personal Loan?
a)
18 to 60 years
b)
21 to 55 years
c)
21 to 57 years
d)
60 years for salaried & 65 years for non-salaried
14.
What is minimum loan amount under Baroda Insta Personal Loan Scheme?
a)
No minimum limit
b)
Rs.5000.00
c)
Rs.50000.00
d)
Rs.50001.00
15.
What is max loan limit under Baroda Insta Personal Loan Scheme for other than SB182/SB186?
a)
Rs.5.00 Lakhs
b)
Rs.20.00 Lakhs
c)
Rs.15.00 Lakhs
d)
Rs.10.00 Lakhs
16.
What is Min CIBIL score required to avail Baroda Insta Personal Loan?
a)
726
b)
725
c)
701
d)
736
17.
What is min & max repayment period under Baroda Insta Personal Loan Scheme?
a)
18 M & 48 M
b)
12 M & 84 M
c)
12 M & 60 M
d)
36 M & 60 M
18.
What is age criteria for pre-approved personal loan to customers who pre-close FDR?
a)
No such type of special scheme of personal loan
b)
21 to 50 years
c)
25 to 55 years
d)
21 to 65 years
19.
What is loan limit for pre-approved personal loan to customers who pre-close FDR?
a)
min Rs.25000.00 & max 2.50 Lakhs
b)
min Rs.5000.00 & max 5.00 Lakhs
c)
no min loan limit & max Rs.10.00 Lakhs
d)
95% of FDR amount
20.
For Baroda Loan to Pensioners, pensioner should be drawing pension through the branch for at least last ____months
a)
6
b)
3
c)
2
d)
1
21.
What is the age criteria for Baroda Loan to Pensioners?
a)
min 21 years & max 75 years
b)
min 21 years & max 60 years
c)
min 21 years & max 80 years
d)
min 21 years & max 72 years
22.
What is min & max loan limit under Baroda Loan to Pensioners?
a)
Rs.1.00 Lakhs & Rs.10.00 Lakhs
b)
Rs.2.50 Lakhs & Rs.15.00 Lakhs
c)
Rs.1.00 Lakhs & Rs.12.00 Lakhs
d)
Rs.1.50 Lakhs & Rs.8.00 Lakhs
23.
What is min FOIR under Baroda Loan to Pensioners?
a)
40%
b)
50%
c)
60%
d)
70%
24.
What is repayment period for Pensioner aged 72 year under Baroda Loan to Pensioners?
a)
36M
b)
48M
c)
60M
d)
84M
25.
What is minimum loan limit under Digital Loan to Pensioners?
a)
Rs.0.50 lakhs
b)
Rs.1.00 Lakhs
c)
No minimum loan limit criteria
d)
Rs.1.50 Lakhs
26.
Which is/are correct pertaining to margin requirement for advance against NSC?
a)
15% of the face value of NSC, if residual maturity period is less than 3 years
b)
10% of the face value of NSC (uniform margin as per RBI)
c)
20% of the face value of NSC, if the residual maturity period is 3 years or above
d)
10% of face value (staff)
e)
Options 2 & 4 are correct
27.
What is minimum loan limit for advance against NSC?
a)
Rs.3000.00
b)
Rs.5000.00
c)
Rs.10000.00
d)
No minimum limit ceiling
28.
What is maximum loan limit for advance against NSC?
a)
Rs.10.00 Lakhs
b)
Rs.100.00 Lakhs
c)
Rs.25.00 Lakhs
d)
No maximum limit ceiling
29.
What is ROI for advance against NSC (floating rate)?
a)
1% over NSC rate
b)
2% over NSC rate
c)
1% over NSC or BRLLR+SP+1.5% whichever is higher
d)
1% over NSC (<Rs.10.00 Lakhs) & 2% over NSC (>Rs.10.00 Lakhs & above)
30.
What is processing charges for advance against NSC?
a)
NIL
b)
Rs.500.00+GST
c)
Rs.750.00+GST
d)
Rs.1000.00+GST
31.
Repayment period can be of maximum _____EMIs for advance against NSC
a)
84 months
b)
47 months
c)
59 months
d)
35 months
32.
If customer opts to close advance against NSC at time of maturity out of proceeds of the instruments, minimum margin required would be____
a)
15%
b)
20%
c)
25%
d)
No margin required
33.
What is minimum & maximum overdraft limit for advance against Life Insurance Policies?
a)
No minimum ceiling & maximum upto Rs.50.00 Lakhs
b)
Rs.3000.00 (minimum) & no ceiling (maximum)
c)
Overdraft can be sanctioned up to Rs.25.00 Lakhs after obtaining deviation (from ZOCC-GM)
d)
None of above
34.
What is ROI for advance against Life Insurance Policies (floating rate)?
a)
0.25%+Rate of return on insurance policies
b)
2% over present BRLLR rate
c)
MCLR+SP+1.25%
d)
BRLLR+SP+1.5%
35.
Repayment period can be of maximum _____EMIs for advance against Life Insurance Policies?
a)
36 EMIs
b)
48 EMIs
c)
60 EMIs
d)
84 EMIs
36.
For advance against Life Insurance Policies, the policies which are in force for more than ____ years can be accepted
a)
1 years
b)
2 years
c)
3 years
d)
4 years
37.
What is minimum & maximum loan limit for advance against KVP?
a)
Min Rs.3000.00 & Max no ceiling
b)
Min Rs.5000.00 & Max no ceiling
c)
Min Rs.3000.00 & Max Rs.50.00 Lakhs
d)
Min Rs.5000.00 & Max Rs.50.00 Lakhs
38.
What is ceiling for sanctioning loan against KVP in physical form by Branch Head?
a)
No such type of ceiling being secured loan
b)
Upto Rs.10.00 Lakhs
c)
Upto Rs.5.00 Lakhs
d)
Upto Rs.1.00 Lakh
39.
How much additional ROI will be charged to the Borrower for OD facility against KVP?
a)
0.10%
b)
0.25%
c)
0.50%
d)
1.00%
40.
What is maximum repayment period for advance against KVP?
a)
84 months
b)
47 months
c)
59 months
d)
35 months
41.
What is Loan Limit ceiling under Baroda Ashray Loan?
a)
Rs.50.00 Lakhs
b)
Rs.1.00 Cr
c)
Rs.2.00 Cr
d)
No ceiling but maximum 80% of market value of the property
42.
What is Loan limit ceiling for acquiring Demat Shares under the IPO?
a)
Max Rs.5.00 Lakhs
b)
Max Rs.10.00 Lakhs
c)
Max Rs.2.00 Lakhs
d)
No such scheme in our Bank
43.
The Authority to reject Loan application of PM-Surya Ghar Yojna is with?
a)
Sanctioning Authority
b)
ZH
c)
Credit Head-Regional Office
d)
Next higher authority
44.
As per modified guidelines of PM-Surya Ghar Yojna, upfront disbursement to the vendors will be made to the extent of____of project cost
a)
50%
b)
60%
c)
70%
d)
10%
45.
As per modified guidelines of PM-Surya Ghar Yojna, 30% disbursement to the vendors will be made within____days of satisfactory installation
a)
30 days
b)
15 days
c)
7 days
d)
After approval from RH
46.
What is Maximum Loan limit under PM-Surya Ghar Yojna (standalone & composite) for Category B?
a)
Rs.5.00 Lakhs
b)
Rs.6.00 Lakhs
c)
Rs.10.00 Lakhs
d)
Rs.25.00 Lakhs
47.
What is minimum income criteria under PM-Surya Ghar Yojna (standalone & composite) for Category B?
a)
No income criteria is applicable being special scheme under Pm Surya Ghar-Muft Bijli Yojna
b)
Min Net Annual Income Rs.3.60 Lakhs
c)
Min Net Annual Income Rs.5.00 Lakhs
d)
Min Net Annual Income Rs.3.00 Lakhs
48.
What is the criteria for Insurance coverage under PM-Surya Ghar Yojna (standalone & composite)?
a)
Insurance is mandatory irrespective of Loan Amount
b)
Insurance is mandatory irrespective of unit capacity
c)
Insurance is not mandatory up to loan limit of Rs.2.00 Lakhs
d)
Insurance is optional under this scheme
49.
What is Min age criteria under PM-Surya Ghar Yojna (Composite)?
a)
18 years
b)
21 years
c)
25 years
d)
30 years
50.
What is Min CIBIL score required for availing loan under PM-Surya Ghar Yojna (Composite)?
a)
701
b)
750
c)
650
d)
680
51.
What is margin requirement under PM-Surya Ghar Yojna for loan amount up to Rs.2.00 Lakhs?
a)
5%
b)
10%
c)
15%
d)
NIL
52.
What is maximum loan period including moratorium under PM-Surya Ghar Yojna (Composite) ?
a)
Max 36 months
b)
Max 60 months
c)
Max 120 months
d)
Max 240 months
53.
What is quantum of subsidy available for unit capacity larger than 3KW as per PM-Surya Ghar Yojna?
a)
Rs.18000.00
b)
Rs.30000.00
c)
Rs.60000.00
d)
Rs.78000.00
54.
Under PM-Surya Ghar Yojna scheme, if Loan is closed within 2 years (fixed rate) penalty at _____on outstanding amount will be levied.
a)
1%
b)
2%
c)
3%
d)
No penaty is applicable
55.
What is concessions in ROI shall be available for existing Borrower of PM-Surya Ghar Yojna (standalone scheme), if the Borrower wants to avail MSME Loan?
a)
0.25%
b)
0.50%
c)
0.10%
d)
No such concession is applicable
56.
Under Baroda Mortgage Loan Business Person should be engaged in Business for a minimum period of ____ years
a)
1 year
b)
2.5 years
c)
3 years
d)
2 years
57.
Under Baroda Mortgage Loan Minimum GAI (Avg. of last 3 years) should be Rs._____Lakhs
a)
Rs.2.00 Lakhs
b)
Rs.3.00 Lakhs
c)
Rs.4.00 Lakhs
d)
Rs.5.00 Lakhs
58.
Under Baroda Mortgage Loan an NRI should be employed/self employed/having a business unit for a minimum period of ____ years
a)
1 year
b)
2.5 years
c)
3 years
d)
2 years
59.
What is minimum & maximum age criteria under Baroda Mortgage Loan Scheme for Individuals?
a)
minimum 18 years & maximum 65 years
b)
minimum 21 years & maximum 60 years
c)
minimum 21 years & maximum 55 years
d)
minimum 21 years & maximum 70 years
60.
In case of OD facility under Baroda Mortgage Loan scheme minimum annual turnover should be ____% of the limit
a)
25%
b)
50%
c)
60%
d)
75%
61.
What is minimum loan limit under Baroda Mortgage Loan Scheme for Individuals?
a)
Minimum limit concept not applicable
b)
Rs.4.00 Lakhs
c)
Rs.3.00 Lakhs
d)
Rs.2.00 Lakhs
62.
What is maximum loan limit for Metro under Baroda Mortgage Loan Scheme for Individuals with Relaxation?
a)
Rs.25.00 Cr
b)
Rs.15.00 Cr
c)
Rs.50.00 Cr
d)
Rs.17.50 Cr
63.
Which is/are correct pertaining to margin norms under Baroda Mortgage Loan Scheme?
a)
Others(Non Agri) - 50%
b)
Industrial - 50%
c)
Commercial - 35%
d)
Residential - 30%
64.
As per extant guidelines Branch to carry out periodical inspection of the property under Baroda Mortgage Loan Scheme once in ____years
a)
1 year
b)
2 years
c)
3 years
d)
Depends in Rating as per GCEMP
65.
What is maximum repayment period under Baroda Mortgage Loan scheme for Individuals?
a)
120 months
b)
360 months
c)
180 months
d)
240 months
66.
What is processing charges for TL under Baroda Mortgage Loan Scheme for Individuals?
a)
0.35%
b)
0.50%
c)
0.25%
d)
1.00%
67.
What is maximum loan amount that can be taken over considering special takeover criteria under Baroda Mortgage Loan to Individuals?
a)
Rs.2.00 Cr
b)
Rs.3.00 Cr
c)
Rs.5.00 Cr
d)
As per normal Mortgage Loan Limits
68.
How many EMIs must have been paid with existing lender considering special takeover criteria under Baroda Mortgage Loan Scheme to Individuals?
a)
minimum 6 months
b)
minimum 12 months
c)
minimum 18 months
d)
minimum 24 months
69.
What is maximum loan limit available for purchase of commercial property under Baroda Mortgage Loan Scheme?
a)
Rs.2.00 Cr
b)
Rs.3.00 Cr
c)
Rs.5.00 Cr
d)
As per normal Mortgage Loan Limits
70.
What is/are eligibility criteria for Non-Individuals under Baroda Mortgage Loan Scheme?
a)
minimum establishment of 3 years
b)
minimum turnover as per last ABS must be Rs.1.00 Crs
c)
Cash Profit from last 3 years
d)
Trust & Society are not eligible
71.
What is minimum loan limit under Baroda Mortgage Loan Scheme for Non- Individuals?
a)
Minimum limit concept not applicable
b)
Rs.5.00 Lakhs
c)
Rs.3.00 Lakhs
d)
Rs.2.00 Lakhs
72.
What is maximum moratorium period available under Baroda Mortgage Loan Scheme for Non-Individuals?
a)
3 months
b)
6 months
c)
12 months
d)
24 months
73.
What is prepayment charges under Baroda Mortgage Loan Scheme for Non-Individuals if prepaid within 12 months?
a)
NIL after 3 months
b)
3%
c)
2%
d)
1%
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