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WorksheetsCASADIGITAL
Total questions: 146
Worksheet time: 49mins
Name
Class
Date
1.
For a borrower with an aggregate exposure of ₹55 crore, which of the following statements is INCORRECT?
a)
The escrow managing bank can be chosen freely by the borrower from the lending banks.
b)
Non-lending banks are permitted to open collection accounts for such borrowers.
c)
All lending banks must be a party to the escrow agreement.
d)
The escrow managing bank is the only bank that can maintain the borrower's current account.
2.
In the bob PLATINUM Current Account, if the Monthly Average Balance (MAB) falls between ₹5 lakhs and ₹10 lakhs, what is the penalty charged?
a)
₹ 1,000
b)
₹ 1,500
c)
₹ 2,000
d)
₹ 2,500
3.
The "Sweep Facility" in the bob DIAMOND Current Account is triggered under which specific condition?
a)
When the account balance exceeds ₹50,00,000 for any duration.
b)
When the account balance reaches ₹1,01,00,000 and remains there for 15 days.
c)
A sweep-out of ₹1,00,000 happens immediately once the balance crosses ₹1,00,00,000.
d)
The first sweep-out occurs when the balance hits ₹1,00,00,000 for a 15-day period.
4.
A bob Women Power Current Account holder processes ₹2.5 lakhs in a month through her complementary POS machine. What are the implications for the monthly rental charges of an additional POS machine?
a)
The rental is waived 100% unconditionally.
b)
The rental is waived only if the transaction on the additional machine itself is over ₹2 lakhs.
c)
The waiver is not applicable as the transaction is below the required threshold for waiver.
d)
The rental is charged fully, as the waiver is only for the first machine.
5.
What is a key differentiating feature of the bob LITE Current Account compared to the bob SMART Current Account?
a)
It offers collateral-free Overdraft.
b)
It has a Zero Monthly Average Balance requirement.
c)
It provides free cheque leaves.
d)
It includes a free Soundbox QR.
6.
If a bob GOLD Current Account is closed within 6 months of opening, what charges will be levied?
a)
₹ 600 + GST
b)
₹ 800 + GST
c)
₹ 1,000 + GST
d)
No charges are applicable.
7.
For a bob Supreme Current Account, if the Quarterly Average Balance (QAB) falls to 60% of the required ₹2,50,000, what is the penalty?
a)
₹ 2,000
b)
₹ 3,000
c)
₹ 5,000
d)
₹ 1,000 + GST
8.
A bank monitors a borrower's account and finds that the aggregate exposure has increased, necessitating a change in banking arrangements as per RBI guidelines. What is the time frame within which this change must be implemented?
a)
Immediately
b)
Within 30 days
c)
Within 3 months
d)
Within 6 months
9.
Which bob Current Account offers a 100% discount on Retail Loan processing charges and provides 50 free Soundbox QR codes?
a)
bob Rhodium
b)
bob Diamond
c)
bob Platinum
d)
bob Supreme
10.
In the context of opening a CC/OD facility for a borrower with an existing banking exposure of ₹7 crore, a bank can provide the facility without restriction only if:
a)
It is the only bank providing credit to the borrower.
b)
Its exposure is at least 10% of the aggregate exposure.
c)
The borrower closes all other CC/OD accounts.
d)
It agrees to become the escrow manager.
11.
The bob PREMIUM Current Account offers a 50% waiver on charges for which of the following transaction types?
a)
Cash Deposits
b)
NEFT/RTGS/IMPS/UPI
c)
ATM Withdrawals
d)
Cheque book issuance
12.
What is the minimum threshold amount for the Sweep Facility in the bob Rhodium Current Account?
a)
₹ 20,00,000
b)
₹ 50,00,000
c)
₹ 1,00,00,000
d)
₹ 5,00,000
13.
A borrower has credit facilities only from a large NBFC and a cooperative bank, with no exposure from scheduled commercial banks. The total facility is ₹10 crore. What restrictions apply if this borrower wants to open a Current Account with BoB?
a)
They cannot open an account as the exposure is above ₹5 crore.
b)
They can open a current account without any restrictions from the circular.
c)
They can only open a collection account.
d)
An escrow account must be mandated.
14.
Which of these accounts provides the HIGHEST number of free cash withdrawal transactions at base and non-base branches?
a)
bob Platinum
b)
bob Rhodium
c)
bob Diamond
d)
bob Supreme
15.
For a bob SMART Current Account, how many free cash withdrawal transactions are permitted at base and non-base branches before charges apply?
a)
5
b)
10
c)
20
d)
50
16.
The charges for non-maintenance of MAB in the bob Women Power Account is ______, while in the bob LITE account it is ______.
a)
₹250; ₹250
b)
₹250; ₹0
c)
₹500; ₹0
d)
₹0; ₹0
17.
A lending bank, which is not the main CC/OD provider for a borrower with ₹8 crore exposure, opens a collection account. What is it permitted to do with the funds?
a)
Use them as collateral for a new loan.
b)
Repay its own credit facilities from the account.
c)
Debit its fees before remitting the balance to the main CC/OD account.
d)
Hold the funds for up to 10 working days.
18.
Which account offers a 75% discount on Retail Loan processing charges and 30 free Soundbox QR codes?
a)
bob Platinum
b)
bob Rhodium
c)
bob Gold
d)
bob Diamond
19.
The "First 50 Free Cheque Leaves" benefit is offered in all the following accounts EXCEPT:
a)
bob LITE
b)
bob Women Power
c)
bob Gold
d)
bob SMART
20.
What is the primary purpose of obtaining an undertaking from a borrower when the exposure is less than ₹5 crore?
a)
To ensure the borrower will not avail credit from other banks.
b)
To make the borrower liable for penalties if the exposure increases.
c)
To ensure the borrower informs the bank if their exposure reaches ₹5 crore or more.
d)
To allow the bank to convert the account to a savings account if needed.
21.
In the bob Premium Current Account, the free cash deposit limit per day is linked to what?
a)
5 times the QAB
b)
7 times the QAB
c)
10 times the QAB
d)
A fixed amount of ₹7,50,000
22.
Which two accounts have a Quarterly Average Balance (QAB) requirement instead of a Monthly Average Balance (MAB)?
a)
Premium and Supreme
b)
Lite and Smart
c)
Women Power and Gold
d)
Platinum and Diamond
23.
For a borrower with an aggregate exposure of ₹40 crore, which of the following is TRUE?
a)
There is no restriction on opening current accounts by lending banks.
b)
Non-lending banks can open current accounts.
c)
An escrow mechanism is mandatory.
d)
Only collection accounts are permitted by all banks other than the one with the highest exposure.
24.
The number of free POS/MPOS machines offered in the bob Platinum Current Account is:
a)
2
b)
4
c)
8
d)
10
25.
A key operational difference between a "Current Account" and a "Collection Account" for a regulated borrower is that:
a)
Collection accounts earn higher interest.
b)
Collection accounts cannot be used for making business payments.
c)
Current accounts have lower balance requirements.
d)
Collection accounts are only for loan repayments.
26.
What is the common upper limit for "Collateral Free OD" across almost all the featured BoB current accounts?
a)
Rs. 10 Lakhs
b)
Rs. 15 Lakhs
c)
Rs. 25 Lakhs
d)
Rs. 50 Lakhs
27.
The penalty for not maintaining MAB in the bob Gold Current Account is significantly higher than in the bob Smart Current Account. What is the difference?
a)
₹ 250 vs ₹ 500
b)
₹ 250 vs ₹ 1000
c)
₹ 500 vs ₹ 1000
d)
₹ 1000 vs ₹ 2500
28.
The "Free Folio Charges" benefit is explicitly mentioned in which of the following account pairs?
a)
Women Power & Smart
b)
Lite & Premium
c)
Gold & Platinum
d)
Supreme & Diamond
29.
For the sweep-in facility to be activated in the bob LITE account, the balance must remain at or above a specific threshold for 15 days. What is that threshold?
a)
₹ 2,00,000
b)
₹ 2,50,000
c)
₹ 5,00,000
d)
Not applicable, as the account has no sweep facility.
30.
The RBI guidelines on current account opening apply to which of the following entities?
a)
Only Public Sector Banks
b)
All Scheduled Commercial Banks and Payments Banks
c)
All Non-Banking Financial Companies (NBFCs)
d)
Only banks with a national presence
31.
Which account provides a discount on both Auto Loan and general Retail Loan processing charges, but at different rates (50% and 25% respectively)?
a)
bob Gold
b)
bob Platinum
c)
bob Women Power
d)
bob Smart
32.
In a collection account, as per current account discipline ,funds must be remitted to the main CC/OD or escrow account within:
a)
The same day
b)
Two working days
c)
Five working days
d)
One week
33.
The bob Supreme Current Account stands out from the bob Premium Account by offering which of the following?
a)
Free First 50 Cheque Leaves
b)
Free Unlimited Cheque Leaves
c)
Free Cash Deposit up to ₹7,50,000 per day
d)
Zero charges for non-maintenance of QAB
34.
What is the scheme code for the resident variant of the Baroda Masterstroke Lite Savings Account?
a)
SB116
b)
SB140
c)
SB156
d)
SB197
35.
For the BOB BRO Savings Account (SB-197), what is the maximum collateral-free education loan amount for premier institutes?
a)
₹ 20 Lakhs
b)
₹ 30 Lakhs
c)
₹ 40 Lakhs
d)
₹ 50 Lakhs
36.
Under the BOB Champ Account (SB-156), on which day is the auto-sweep facility triggered to transfer funds exceeding ₹10,000 to a short deposit?
a)
Every Friday
b)
Every Monday
c)
The last day of the month
d)
The 1st of every month
37.
As per the RBI directive mentioned for scholarship/DBT, what is the specific scheme code that branches must use for opening student scholarship accounts?
a)
SB-156
b)
SB-138
c)
SB-197
d)
SB-140
38.
If a BOB Champ account is closed 30 days after the first customer-induced credit, what are the premature closure charges?
a)
100
b)
200
c)
300
d)
Zero
39.
What is the maximum amount that can be kept in a BOB Champ account for a minor aged between 10 and 14 years?
a)
50000
b)
₹ 1 Lakh
c)
₹ 2 Lakhs
d)
₹ 5 Lakhs
40.
For the Baroda Masterstroke Savings Account (SB116), what is the penalty for non-maintenance of MAB if the balance is less than ₹5 Lakhs and the required Term Deposit is also not maintained?
a)
₹ 500 + GST per month
b)
₹ 750 + GST per month
c)
₹ 1000 + GST per month
d)
6% of the shortfall
41.
The sweep facility in the Baroda Masterstroke Savings Account (SB116) is triggered every Monday. What is the minimum threshold balance required to activate this facility?
a)
₹ 10 Lakhs
b)
₹ 15 Lakhs
c)
₹ 20 Lakhs
d)
₹ 25 Lakhs
42.
Which complimentary credit card is offered with the Baroda Masterstroke Savings Account, subject to underwriting by Bobcards?
a)
VISA Opulence Credit Card
b)
Rupay Select Credit Card
c)
Eterna Credit Card
d)
MasterCard World Credit Card
43.
What is the daily cash withdrawal limit at ATMs for the VISA Opulence Debit Card provided with the Baroda Masterstroke account?
a)
₹ 1 Lakh
b)
₹ 2 Lakhs
c)
₹ 5 Lakhs
d)
₹ 10 Lakhs
44.
For the Baroda Masterstroke account, what is the nature of the concession provided on processing charges for retail loans like Home and Mortgage loans?
a)
25% Waiver
b)
50% Waiver
c)
75% Waiver
d)
100% Waiver
45.
What is the eligibility criterion for opening a bob LITE Savings Bank Account (SB-196) for a minor?
a)
Minors of any age with a guardian
b)
Minors above 10 years who can read and write
c)
Minors above 14 years
d)
Minors above 18 years
46.
In a rural area, what Quarterly Average Balance (QAB) must be maintained in a bob Lite account to get the Rupay Platinum Debit Card free of cost?
a)
1000
b)
2000
c)
3000
d)
Zero
47.
What is the per-day cash deposit limit at a Cash Deposit Machine using a debit card for a bob Lite account holder with a registered PAN?
a)
25000
b)
50000
c)
100000
d)
200000
48.
For the bob Mahila Shakti Saving Account, what is the concession in interest rate offered on Two-Wheeler Loans?
a)
0.001
b)
0.0025
c)
0.005
d)
0.01
49.
The auto-sweep facility in the bob Mahila Shakti account (TD110) sweeps out funds in multiples of what amount?
a)
1000
b)
5000
c)
10000
d)
25000
50.
The Baroda Bank Mitra Bachat Khata (SB160) offers an Overdraft facility against the linked Fixed Deposit. What is the maximum OD limit available?
a)
50000
b)
80000
c)
100000
d)
200000
51.
What is the minimum deposit amount and period for the Fixed Deposit linked to the Baroda Bank Mitra Bachat Khata?
a)
₹ 5,000 for 6 months
b)
₹ 10,000 for 12 months
c)
₹ 25,000 for 181 days
d)
₹ 50,000 for 1 year
52.
The bob Professional Saving Bank Account (SB 194) is available to which of the following professionals?
a)
MBAs only
b)
CAs and Advocates only
c)
Engineers and Architects only
d)
All of the above
53.
What is the Minimum Monthly Average Balance (MAB) for the bob Professional Saving Bank Account?
a)
10000
b)
25000
c)
50000
d)
100000
54.
Which debit card variant is provided with the bob Professional Saving Bank Account, with the first year free?
a)
Rupay Platinum Debit Card
b)
Rupay Select Debit Card
c)
VISA Opulence Debit Card
d)
MasterCard Platinum Debit Card
55.
For the bob Aspire NRE Savings Account (SB 211), what is the initial status of the account upon opening until the customer attains NRI status?
a)
Dormant
b)
Inoperative
c)
Active with restrictions
d)
Frozen
56.
How many days does a customer have from the account opening date to submit overseas address proof for the bob Aspire NRE account to avoid account closure?
a)
30 Days
b)
60 Days
c)
90 Days
d)
105 Days
57.
What is the Quarterly Average Balance (QAB) requirement for the bob Aspire NRE account after the first two quarters?
a)
Zero
b)
5000
c)
10000
d)
25000
58.
Which of the following statements is TRUE about the Baroda Power Pack NRE Savings Account (SB 209)?
a)
Minors are eligible with a guardian.
b)
It requires a Monthly Average Balance of ₹ 250,000.
c)
It offers unlimited free transactions at Non-BOB ATMs in India.
d)
Both B and C are correct.
59.
For the Baroda Power Pack NRE account, what are the charges for non-maintenance of the stipulated MAB?
a)
Flat ₹ 500 per month
b)
6% of shortfall, Min ₹ 150, Max ₹ 750
c)
6% of shortfall, Min ₹ 50, Max ₹ 834
d)
10% of shortfall, Min ₹ 100, Max ₹ 500
60.
A customer with a Baroda Power Pack NRE account maintaining an MAB of ₹ 4 Lakhs is eligible for which Debit Card variant and what fee structure?
a)
Opulence Card with 50% issuance and AMC
b)
Opulence Card with 100% waived fees
c)
Sapphire Card with 100% waived fees
d)
Sapphire Card with 50% waived fees
61.
In the bob Premium NRE Saving Account (SB 206), what is the FFD period for the sweep-in facility?
a)
181 Days
b)
365 Days (12 Months)
c)
777 Days
d)
3 Years
62.
As per the details for NRE deposits in the bob Premium NRE account, what is the maximum deposit tenure allowed by Bank of Baroda?
a)
3 Years
b)
5 Years
c)
7 Years
d)
10 Years
63.
What is the insurance benefit for Air Accidental Death provided to the primary account holder of the bob Premium NRE account?
a)
₹ 10 Lacs
b)
₹ 25 Lacs
c)
₹ 50 Lacs
d)
₹ 1 Crore
64.
The bob Global Women NRE/NRO Saving Account offers a concession in the rate of interest on which type of loan?
a)
Personal Loan only
b)
Home Loan and Car Loan
c)
Education Loan only
d)
Two-Wheeler Loan only
65.
For the bob Global Women NRE account, what is the annual maintenance charge for the Master Card variant debit card?
a)
Zero
b)
₹ 300 + GST
c)
₹ 500 + GST
d)
₹ 750 + GST
66.
Where has Bank of Baroda approved the setup of a Global Helpdesk for NRI Customers?
a)
Contact Centre, BCC Mumbai
b)
Contact Centre, HO, Baroda
c)
Contact Centre, Noida
d)
NRI Research Wing, Gandhinagar
67.
What is the dedicated email ID for the NRI Global Helpdesk?
a)
nricareatbob@bankofbaroda.com
b)
nricustomercare@bankofbaroda.com
c)
nricustomerglobalcare@bankofbaroda.com
d)
nricustomerhelpdesk@bankofbaroda.com
68.
The objective of the 'bob earth Green Term Deposit' is to finance projects that contribute to:
a)
Digital India
b)
Sustainable Development and lower global temperature
c)
Agricultural growth
d)
Rural infrastructure
69.
For a minor aged 14 years or below, what is the maximum amount that can be accepted in a bob earth Green Term Deposit?
a)
50000
b)
100000
c)
200000
d)
500000
70.
The interest rate for the bob earth Green Term Deposit is typically set at:
a)
Card Rate + 10 bps
b)
Card Rate
c)
Card Rate - 10 bps
d)
A fixed rate of 7.5%
71.
What is the minimum tenure for the 'bob Lakhpati' Recurring Deposit Scheme?
a)
3 months
b)
6 months
c)
12 months
d)
24 months
72.
In urban and metro areas, what is the minimum amount and multiple required to open a 'bob Lakhpati' RD account?
a)
₹ 50 in multiples of ₹ 50
b)
₹ 100 in multiples of ₹ 100
c)
₹ 500 in multiples of ₹ 500
d)
₹ 1000 in multiples of ₹ 1000
73.
The 'bob Millionaire/Corepati' RD scheme offers a Loan/Overdraft facility up to what percentage of the deposit amount?
a)
0.8
b)
0.9
c)
0.95
d)
1
74.
With which company did Bank of Baroda enter a co-lending partnership for gold loans, as per the document?
a)
Muthoot Finance
b)
IIFL Finance
c)
Chola Finance
d)
Suryoday Finance
75.
According to the RBI's proposed strengthening of the banking ombudsman scheme, what is the maximum compensation for consequential loss to a customer?
a)
₹ 10 Lacs
b)
₹ 20 Lacs
c)
₹ 30 Lacs
d)
₹ 40 Lacs
76.
What is the minimum age requirement for opening a Baroda Bank Mitra Bachat Khata (SB160)?
a)
10 years
b)
16 years
c)
18 years
d)
21 years
77.
In the BOB BRO account, how many free Demand Drafts or Banker's Cheques are provided per annum?
a)
0
b)
1
c)
2
d)
Unlimited
78.
The Flexi Fixed Deposit feature in the BOB BRO account is activated when the balance exceeds a threshold of:
a)
10000
b)
25000
c)
50000
d)
100000
79.
The Rupay Platinum Debit Card offered with the BOB BRO account comes with zero charges on:
a)
Issuance only
b)
Renewal only
c)
Both Issuance and Renewal
d)
Neither Issuance nor Renewal
80.
For the BOB Champ account, what is the combined daily transaction limit for ATM and POS?
a)
2000
b)
3000
c)
5000
d)
10000
81.
A minor's BOB Champ account, where the minor is 12 years old, has a maximum balance limit of ₹1 Lakh. If this limit is exceeded, what action does the bank typically take?
a)
Sweep the excess into a Fixed Deposit
b)
Charge a penalty fee
c)
Convert the account to a regular savings account
d)
Restrict transactions until the balance is reduced
82.
In the BOB Masterstroke Lite account, if the MAB is ₹2 Lakhs (less than ₹2.5 Lakhs), what are the non-maintenance charges?
a)
6% of shortfall, min ₹100/max ₹500
b)
6% of shortfall, min ₹150/max ₹750
c)
Flat ₹500 per month
d)
Flat ₹750 per month
83.
The "Banking @call Facility (DSBS)" in the Masterstroke Lite account offers how many free services per month?
a)
1
b)
2
c)
5
d)
10
84.
What is the annual discount on locker rent provided under the Baroda Masterstroke Lite account?
a)
500
b)
750
c)
1000
d)
100% Waiver
85.
The Eterna Credit Card offered with the Masterstroke account provides an accidental death cover for air travel of up to:
a)
₹ 10 Lacs
b)
₹ 50 Lacs
c)
₹ 1 Crore
d)
₹ 2 Crores
86.
The bob LITE account provides how many free cheque leaves in a financial year?
a)
15
b)
30
c)
50
d)
100
87.
For a bob Mahila Shakti account in a metro area, what is the non-maintenance charge if the MAB shortfall is ₹500?
a)
50
b)
100
c)
6% of ₹500 = ₹30, so Min. ₹50 applies
d)
6% of ₹500 = ₹30, so Max. ₹100 applies
88.
The bob Professional account offers one free service per month through PSB DSBS. This facility is available only if the MAB is above:
a)
25000
b)
50000
c)
100000
d)
200000
89.
The Rupay Select Debit Card for professionals offers a complimentary membership to which gym chain?
a)
Anytime Fitness
b)
Gold's Gym / Talwalkar Gym
c)
Fitness First
d)
Cult Fit
90.
For the bob Premium NRO Saving Account, what is the Fixed Deposit period (FFD Period) for the sweep facility?
a)
91 Days
b)
181 Days
c)
365 Days
d)
777 Days
91.
The insurance coverage for the bob Premium NRE/NRO account becomes applicable after how many days from account opening?
a)
Immediately
b)
15 days
c)
30 days
d)
60 days
92.
What is the penal charge for non-maintenance of MAB in the bob Global Women NRE account if the shortfall is ₹1,000?
a)
6% of ₹1,000 = ₹60
b)
Min. ₹20 applies
c)
Max. ₹167 applies
d)
₹60, as it falls between Min and Max
93.
The "bob World" application is referenced for which of the following services?
a)
NEFT/RTGS/IMPS/UPI
b)
Submitting KYC documents
c)
Applying for locker facilities
d)
All of the above
94.
A customer who is illiterate and holds a savings account approaches you to activate Bob World Internet banking. What should you do?
a)
Activate it immediately as it is a basic right.
b)
Activate it but with limited view-only rights.
c)
Do not provide the Internet Banking facility as per the policy.
d)
Activate it only after obtaining a guarantor's signature.
95.
Which of the following features is NOT a part of the BoB World mobile banking application's "Personal Finance Management Tools"?
a)
Expense Tracker
b)
Goal-Based Savings
c)
Virtual Card Management
d)
Budgeting Tools
96.
A customer wants to transfer Rs. 2,50,000 instantly to a beneficiary within Bank of Baroda using the BoB World app. What is the maximum amount permissible per day for such "Fund Transfer - Self-linked" transactions?
a)
Rs. 2,00,000
b)
Rs. 5,00,000
c)
Unlimited
d)
Rs. 10,00,000
97.
A joint savings account operated under "Either or Survivor" mode is eligible for which of the following digital products?
a)
bob e Pay (UPI Application)
b)
BoB World Wave Smart Watch
c)
Both a and b
d)
Neither a nor b
98.
The "Auto load" feature in the BoB World Digital Rupee (CBDC) application was rolled out on:
a)
45316
b)
45412
c)
45464
d)
45559
99.
What is a key differentiator of the BoB World Wave smart health watch compared to a standard debit card for contactless payments?
a)
It has a higher daily spending limit of Rs. 5,00,000.
b)
It allows for PIN-less transactions only up to Rs. 2,000.
c)
It is a wearable device that allows tap-and-pay transactions up to Rs. 5,000 without a PIN.
d)
It can only be used at Bank of Baroda's partnered merchants.
100.
The BOBCARD VIKRAM, designed for Defence Personnel, offers which of the following features?
a)
A joining fee of Rs. 500 and an annual fee of Rs. 350.
b)
Inbuilt Personal Accidental insurance cover of Rs. 20 Lakh.
c)
8 complimentary airport lounge accesses per year.
d)
10 Reward Points for every ₹100 spent on departmental stores.
101.
A customer wants to open a "Baroda bob Lite" Savings Account completely digitally without visiting a branch. Which platform facilitates this?
a)
Baroda M-Invest App
b)
WhatsApp Banking
c)
bob World Tab (TabIT)
d)
Baroda DigiNext
102.
What is the maximum balance that can be held in the UPI Lite wallet at any point in time?
a)
Rs. 1,000
b)
Rs. 2,000
c)
Rs. 5,000
d)
Rs. 10,000
103.
In the context of Bharat Connect (BBPS), Bank of Baroda acts as:
a)
Only a Customer Operating Unit (COU)
b)
Only a Biller Operating Unit (BOU)
c)
Both a Customer Operating Unit (COU) and a Biller Operating Unit (BOU)
d)
Neither, it is only a technology provider.
104.
A customer wants to make a donation using a UPI application. Which revamped UPI app from Bank of Baroda specifically lists "Donations" as one of its new improvements?
a)
BHIM UPI
b)
bob e Pay
c)
bob World Internet
d)
Baroda M-Invest
105.
What is the primary purpose of the "bob inSIGHT Braille Debit Card"?
a)
To offer higher transaction limits for premium customers.
b)
To provide enhanced accessibility for visually impaired customers.
c)
To promote eco-friendly banking.
d)
To offer exclusive travel benefits.
106.
A customer successfully registers for WhatsApp Banking. What is the session timeout duration for an inactive chat?
a)
2 minutes
b)
5 minutes
c)
10 minutes
d)
15 minutes
107.
For a transaction above what amount will a contactless payment using the BoB World Wave smartwatch require PIN authentication?
a)
Rs. 2,000
b)
Rs. 5,000
c)
Rs. 10,000
d)
Rs. 1,00,000
108.
The "bob Bhoomi RuPay Select Debit Card" is notable for being crafted from:
a)
Metal
b)
Recycled PVC (rPVC)
c)
Wood
d)
Biodegradable paper
109.
A corporate customer wants to initiate bulk payments for their suppliers through a single file and integrate the process with their ERP system. Which BoB digital solution is most suited for this?
a)
Baroda Insta SmartTrade
b)
Baroda DigiNext
c)
bob World Merchant Gateway
d)
Bharat Connect (BBPS)
110.
What is the daily cumulative maximum spend limit for UPI Lite transactions?
a)
Rs. 2,000
b)
Rs. 5,000
c)
Rs. 10,000
d)
Rs. 25,000
111.
Which BoB Credit Card variant is issued against a Fixed Deposit without any income proof?
a)
BOBCARD PRIME
b)
BOBCARD EASY
c)
BOBCARD SELECT
d)
HPCL ENERGIE BOBCARD
112.
The "BoB World OPULENCE DEBIT CARD" has a daily cash withdrawal limit at ATMs of:
a)
Rs. 50,000
b)
Rs. 1,50,000
c)
Rs. 3,00,000
d)
Rs. 5,00,000
113.
Which authentication method is NOT available for opening a Savings Account through the bob World Tab?
a)
Aadhaar + OTP authentication
b)
Aadhaar + Biometric authentication
c)
CKYC Search & Download
d)
Video-based Customer Identification Process (VCIP)
114.
A customer makes a UPI transaction of Rs. 6,000 immediately after resetting their UPI PIN. As per the limits for bob e Pay, what is the maximum amount they can transfer in that single transaction?
a)
Rs. 1,00,000
b)
Rs. 5,000
c)
Rs. 2,00,000
d)
Rs. 25,000
115.
The "YODDHA BOBCARD" offers complimentary membership to which of the following on milestone spends?
a)
Disney Hotstar
b)
FITPASS Pro and Amazon Prime
c)
Zee5 and SonyLiv
d)
Gaana+
116.
For which category of transaction in bob e Pay is the per transaction limit Rs. 5,00,000?
a)
Person to Person (P2P)
b)
Hospital & Schools
c)
Credit Card Bill Payment
d)
Person to Merchant (P2M) for Specific MCC
117.
A merchant is using the bob World Merchant UPI QR Sound Box. What is a key feature of this device?
a)
It only accepts payments from the BoB World app.
b)
It requires a Wi-Fi connection to function.
c)
It provides instant voice confirmation of payments.
d)
It has a battery backup of only 8 hours.
118.
Which debit card variant offers "Unlimited Free ATM usage at all Bank's ATMs"?
a)
bob World Yoddha Debit Card
b)
BoB World VISA SAPPHIRE DEBIT CARD
c)
Bank of Baroda EaseMyTrip Debit Card
d)
VISA Vyapaar DI Debit Card
119.
The "Baroda PayPoint" solution is ideal for merchants who:
a)
Only deal in foreign currency transactions.
b)
Have a high volume of cross-border trade.
c)
Do not have their own website or technological support.
d)
Exclusively use credit card payments.
120.
What is the maximum number of free international airport lounge accesses provided per year by the "BoB World OPULENCE DEBIT CARD"?
a)
2 per annum
b)
4 per annum
c)
Unlimited
d)
1 per quarter
121.
A customer wants to block their Virtual Debit Card temporarily. How can they do this as per the features mentioned?
a)
They must visit the branch.
b)
They can call the customer care number.
c)
Easy Blocking and unblocking is available via the bob World app.
d)
It cannot be blocked; it must be canceled and reissued.
122.
The "BOBCARD ETERNA" provides an inbuilt Personal Accidental insurance cover of:
a)
Rs. 20 Lakh (Air/Non-Air)
b)
Rs. 50 Lakh (Air) and Rs. 10 Lakh (Non-Air)
c)
Rs. 100 Lakh (Air) and Rs. 10 Lakh (Non-Air)
d)
Rs. 15 Lakh (Air) and Rs. 5 Lakh (Non-Air)
123.
What is the primary objective of India's Retail CBDC (e₹-R)?
a)
To facilitate interbank settlements for financial institutions.
b)
To function like digital cash for the general public for retail transactions.
c)
To replace all existing physical currency immediately.
d)
To be used exclusively for cross-border transactions.
124.
The "Agniveer" Debit Card is exclusively for defence personnel recruited under the AGNIPATH Scheme and maintaining a salary account under which scheme code?
a)
SB-136
b)
SB-155
c)
SB-186
d)
CA-131
125.
A customer can de-register from WhatsApp Banking through all the following methods EXCEPT:
a)
Self De-registration via the app's Profile & Help menu.
b)
Sending an email to the bank's customer support.
c)
De-registration through the Finacle menu by bank staff.
d)
De-registration through bob World Internet.
126.
What is the monthly rental charge (exclusive of GST) for the "Sound box with Display and support Dynamic QR code"?
a)
Rs. 56/-
b)
Rs. 57/-
c)
Rs. 60/-
d)
Rs. 1450/-
127.
A customer's savings account has been declared 'dormant'. Are they eligible for Bob World Internet banking?
a)
Yes, without any restrictions.
b)
Yes, but only for view-only services.
c)
No, they are explicitly excluded.
d)
Only after reactivating the account with a minimum balance.
128.
A customer successfully performs a financial transaction using their RuPay Platinum DI Debit Card. Thirty-five days later, they are involved in an accident. Are they eligible for the inbuilt personal accident insurance cover?
a)
Yes, as long as the card was active.
b)
No, because the transaction was not within the 30-day prior period including the accident date.
c)
Yes, because the insurance is valid for the entire card tenure.
d)
No, because this insurance only covers online transaction fraud.
129.
Considering the transaction limits for BoB World, what is the maximum amount a customer can transfer via IMPS to a beneficiary in a single day?
a)
Rs. 2,00,000
b)
Rs. 5,00,000
c)
Rs. 10,00,000
d)
Rs. 50,000
130.
Caselet: A partnership firm, "ABC & Co.", wishes to open a "Baroda Premium Current Account (BPCA)" digitally. They approach your branch. What is the correct course of action?
a)
Inform them that current accounts for partnerships cannot be opened digitally.
b)
Guide them to open an individual current account for the managing partner instead.
c)
Onboard them using the bob World Tab, as BPCA for partnerships is listed as live in TAB Banking.
d)
Ask them to use the Baroda M-Invest app for business account opening.
131.
What is a key technological feature that the revamped WhatsApp Banking of BoB utilizes to allow customers to access services via simple voice commands?
a)
Biometric Authentication
b)
Natural Language Processing (NLP) Technology
c)
Sound Wave Encryption
d)
Automated Voice Response (AVR)
132.
The "BoB World VISA SAPPHIRE DEBIT CARD" offers complimentary access to properties like the Taj Falaknuma Palace. What is the Quarterly Average Balance (QAB) requirement for this card?
a)
Rs. 10,000
b)
Rs. 1,00,000
c)
Rs. 5,00,000
d)
Rs. 10,00,000
133.
Which of the following Credit Cards has an eligibility criterion that specifically includes "Veer Nari and Cadet"?
a)
BOBCARD VIKRAM
b)
RAKSHAMAH BOBCARD
c)
YODDHA BOBCARD
d)
VARUNAH BOBCARD
134.
A customer's device is registered for BoB World UPI. After a device change, they need to re-verify the device for UPI transactions. According to the bob e Pay limits, what is the maximum amount for the *first* fund transfer transaction they can make after this re-verification?
a)
Rs. 1,00,000
b)
Rs. 5,000
c)
Rs. 25,000
d)
Rs. 2,00,000
135.
The "Nainital RENAISSANCE BOBCARD" has a unique eligibility requirement for corporate applicants. What must the corporate entity hold with Bank of Baroda?
a)
Only a Savings Account relationship.
b)
A CC/OD, Current Account, or Fixed Deposit relationship.
c)
A Demat and Trading account relationship.
d)
A Merchant POS relationship.
136.
What is the primary purpose of the "Velocity/number of transaction/limit checks on CBDC Transactions" feature rolled out on 24 September 2024?
a)
To enable offline transactions.
b)
To enhance security and monitor transaction patterns for potential fraud.
c)
To integrate with the UPI system.
d)
To allow wallet loading via credit cards.
137.
A Self Help Group (SHG) wants to open a savings account digitally. Which specific authentication method was introduced for this purpose through circular BCC:BR:117:142?
a)
Aadhaar + OTP authentication
b)
CKYC Search & Download
c)
Aadhaar + Biometric based authentication
d)
Video-based Customer Identification Process (VCIP)
138.
A visually impaired customer is issued the "bob inSIGHT Braille Debit Card". What is the issuance fee for this card?
a)
Nil
b)
Rs. 300 + Taxes
c)
Rs. 500 + Taxes
d)
Rs. 750 + Taxes
139.
Which of the following is a stated benefit of India's Wholesale CBDC (e₹-W)?
a)
It functions like digital cash for the general public.
b)
It allows for peer-to-merchant payments without intermediaries.
c)
It streamlines the financial system by making large-scale interbank transactions faster.
d)
It is designed to operate primarily in offline mode.
140.
A customer uses the BoB World app to set up a recurring auto-debit for their mutual fund SIP. Under which primary service category would this functionality be found?
a)
Payments and Transfers
b)
Investment and Wealth Management
c)
Digital Payments
d)
Customer Support and Service Requests
141.
The "bob World Wave" smartwatch is partnered with which company for the device?
a)
NPCI
b)
GOQii
c)
Einwizard Technology Pvt. Ltd.
d)
EaseMyTrip
142.
For which of the following Debit Card variants is the Annual Fee waived for the first year?
a)
bob World Yoddha Debit Card
b)
BoB World OPULENCE DEBIT CARD
c)
bob inSIGHT Braille Debit Card
d)
Both b and c
143.
What is the primary reason mentioned for the bank digitizing the SHG Account onboarding process through the bob World Tab?
a)
To reduce the cost of account maintenance.
b)
To facilitate faster subsequent credit linkage to SHGs.
c)
To comply with an RBI mandate.
d)
To integrate with the National Rural Livelihood Mission (NRLM) database.
144.
A customer wants to generate an insurance premium quote and purchase a policy. Within the BoB World app, which main service category should they navigate to?
a)
Card Management
b)
Investment and Wealth Management
c)
Insurance Services
d)
Lifestyle and Shopping
145.
The "BARODA DIGINEXT" platform allows for a "Single file for processing multiple type of payments". Which of the following payment types is NOT listed as part of this?
a)
RTGS
b)
NEFT
c)
IMPS
d)
UPI
146.
What is the maximum per transaction limit for a "Person to Merchant (P2M)" UPI payment for specific Merchant Category Codes (MCCs) using bob e Pay?
a)
Rs. 1,00,000
b)
Rs. 2,00,000
c)
Rs. 5,00,000
d)
Rs. 10,00,000
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