Worksheets50 MCQs with Options and Answers
Total questions: 48
Worksheet time: 24mins
Who is NOT eligible for Baroda Home Loan?
NRIs
Individuals
PIO/OCI
HUF
Authority to waive ROI in construction delay?
Branch Manager
Regional Authority
Zonal Authority
Head Office
Reimbursement for construction allowed within:
12 months
24 months
36 months
Not allowed
Margin for Executive Development Program Education Loan:
Nil up to 5L
Nil up to 4L
5% flat
7.5%
Processing charges for Baroda Vidya Loan:
5%
2%
Nil
10%
Security for Baroda Vidya Loan:
(a)
Collateral for Baroda Scholar Loan above 7.5 lakh:
None
50% Collateral
Third Party Guarantee
100% Tangible Collateral
Max repayment period for Baroda Scholar Loan:
10 yrs
12 yrs
15 yrs + 2 yrs
20 yrs
Max building age under Ashray scheme:
20 yrs
30 yrs
40 yrs
50 yrs
Revaluation under Ashray every:
3 yrs
5 yrs
7 yrs
Not required
Scheme Code Category I (Top-up Loan):
LA 197
LA 198
LA 199
LA 200
12. Scheme Code Category II (Top-up Loan):
LA 197
LA 198
LA 199
LA 200
Mortgage extension needed for top-up up to 5 lakh:
Yes
No
Depends on case
Only if CIBIL < 700
Margin for HL above 75 lakh:
10%
20%
25%
30%
Max loan under GJRHJF:
25 lakh
40 lakh
50 lakh
75 lakh
Not eligible for Two-Wheeler Loan:
Farmers
Salaried
Ex-staff
Businessmen
External rating for Corporate HL:
AA
A
BBB
BB
Acceptable CMR for Corporate HL:
CMR 5
CMR 6
CMR 7
CMR 8
Max HL for Corporates:
100 lakh
300 lakh
400 lakh
500 lakh
Max LTV for Corporate HL:
80%
75%
70%
65%
Max repayment for Corporate HL:
15 yrs
20 yrs
25 yrs
30 yrs
Max rent allowed (Mumbai/Chennai/Metro/Urban):
20k/15k/10k/7.5k
25k/15k/10k/7.5k
30k/20k/15k/10k
10k/7k/5k/3k
Exception for pre-approved LAP eligibility:
SMEs
Pvt Ltd
Ashray loan payable when:
Borrower retires
Income stops
Last borrower dies/moves/sells
None
Cut-off score for Baroda Gyan:
70/130
85/140
96/149
110/155
Moratorium for Scholar Loan:
6 months
1 year
Course duration + 1 year
None
Pre-approved loan CIBIL requirement:
650
675
701
725
Joint liability customers eligible for pre-approved limit?
Yes
No
Pre-approved loan allowed in joint name?
Yes
No
Purpose of Ashray Scheme:
Student loan
Senior citizen income support
Business expansion
Vehicle purchase
Max age of property with Regional Head approval:
35 yrs
38 yrs
40 yrs
42 yrs
Travel expenses allowed in Scholar Loan:
Yes
No
Processing charges for Scholar Loan:
Nil
1%
2%
5%
Collateral for Education Loan 4–7.5 lakh:
None
Third Party Guarantee
FD
Mortgage
Education Loan above 7.5 lakh collateral:
None
50% Collateral
100% Collateral
Third Party
Alternate security for loans:
Shares
Mutual fund
Fixed deposit
Gold
Minimum continuous service for personal loan:
6 months
1 year
2 years
3 years
NPA threshold for product:
1%
1.5%
2.5%
3%
SMA-1 threshold for product:
3%
5%
6%
8%
Farmers eligible for Two-Wheeler Loan?
Yes
No
Collateral required for corporate loan?
Always
Never
As per policy
Optional
FD lien allowed for education loan?
Yes
No
Education loan includes laptop expenses?
Yes
No
Scholar Loan covers exam fees?
Yes
No
HL for NRIs allowed?
Yes
No
PIO/OCI eligible for HL?
Yes
No
Baroda Vidya covers school fees?
Yes
No
Top-up loan allowed only after:
1 year
6 months
Disbursement
EMI begins
