Promotion Test Refresher 2015 PDF

PROMOTION TEST
REFRESHER 2015
(as on 31.03.2015)
A Compilation by Baroda Academy, Bengaluru

(Under the guidance of Baroda Apex Academy, Ahmedabad)
Faculty
Ms Daisy M
Mr M Suresh Kumar
Mr C S Pradhan
Mr Sanatan Sathua
Index
Sl No.
Topic
Page No.
1
Banking (Deposits, Advances & Others)
3-42
About Bank, Deposits, Advances, Laws effecting
Bankers, FOREX, Third Party Products, HR &
Remittances, Pension, service charges
2
Banking Technology
43-56
ATM/ Debit Cards, Internet Banking(Baroda
Connect), Mobile Banking (Baroda M-Connect), Pre
Paid Cards, IP Gateway (Baroda e-Gateway
Depository, Baroda Cash Management Services
(BCMS), CBS-Finacle Package & IT Security
3
Rural Banking
57-63
Revised Priority Sector guidelines/ classification,
Lending norms for PS Advances, Various Agri
Lending Schemes, Govt Sponsored Schemes,
NABARD Schemes for Rural Development, Micro
Credit, Financial Inclusion, Concept of BGPK & BSVS
Disclaimer: Though all efforts have been made to incorporate latest and correct information of the
related topics, in case of any doubt please refer book of instructions/various Policies and circulars
of the bank.
This question bank is provided as a last minute refresher and self check by the readers, but not an
exhaustive coverage of all the expected questions in the promotion test, for which readers are
expected to be thorough in various manuals/circulars of the bank.
Banking
About Bank1.The Global business of our Bank as on 31.03.14 is
a.`9,65,900 Cr b. `10,00,036 Cr c. `9,50,070 Cr
d. `8,75,265 Cr
e. none
2.Our Banks share in Domestic CASA deposits as of 31.03.14

a.30.26%
b. 30.76% c. 31.76% d. 32.14% e. 33.76%
3.Our Gross & Net NPAs level as of 31.03.14
a.2.40% & 1.28% b.2.54% & 1.32% c. 2.94% & 1.52%
d. 3.10% & 1.88% e. none
4.Our Banks Net Profit for the F/Y 2013-14?

a.`5,006 Cr b. `4,541 Cr c. `4,480 Cr d. `4,280 Cr e. none
5.What is the percentage of our overseas operations contribution in the banks
business during F/Y 13-14?
a.25.50% b. 29.50% c. 32.60% d. 33.92% e. 35.20%
6.Our Banks CRAR (Basel-II) stood at _____ as of 31.03.14?
a.12.50% b. 12.87% c. 13.01% d. 13.87% e. none
7. The total corpus for payment of incentives to employees will be ____ of the banks
profit after tax.
a. 0.50%
b. 0.75%
c. 1.00%
d. 1.50%
e. 2.00%
8.Number of offices/branches that our Bank has presence abroad?
a.101
b. 102 c. 103 d. 104 e. 105
9. The amount of incentive received by any employee should not exceed _____ of his
gross annual salary
a. 5%
b. 10%
c. 15%
d. 20%
e. no such ceiling
10. The number of SME Loan Factories as on 31.03.15?
a.48
b. 50 c. 52 d. 53 e. 57
11. The number of Retail Loan Factories as on 31.03.15?

a. 48 b. 50 c. 53 d. 57
e. 60
12.The number of Baroda Grameena Paramarsh Kendra (BGPK) in our Bank?
a. 45 b. 47 c. 52 d. 55 e. 57
13.What is the approximate exposure to Retail Credit in the overall Credit portfolio of
our Bank as of 31.03.14?
a. `38,000 Cr b. `42,000 Cr c. `45,000 Cr d. `46,000 Cr e. none
14.What is the approximate exposure to MSME Sector in the overall Credit portfolio
of our Bank as of 31.03.14?
a.`48,000 Cr b. `52,000 Cr c. `54,000 Cr d. `56,000 Cr e. none
15.What is the Net Interest Margin (NIM) of our Bank as of 31.03.14?
a. 2.66%
b. 2.87% c. 2.98%
d. 3.10%
e. 3.27%
16.Our Business Policy guidelines for the F/Y 14-15 has given the Motto RACE
Ahead. What for a stands in the word RACE?
a.Actual business b.Average business c.Asset quality d.Adequacy of Capital
e.Average Assets
17.What is the business per employee figure of our Bank as of 31.03.14?
a. `1,466 lacs b. `1,689 lacs c. `1,850 lacs d. `1,865 lacs e. `1,930 lacs
18.Full form of SPGRS (related to customer complaint option in our website)
Standardised Public Grievances Redressal System
19. Pension work related to processing and payment of Railway pension in our Bank is
situated at
a. Baroda
b. Mumbai c. Hyderabad d. New Delhi e. Pune
20. Which of the following countries having more number of our branches?
a. UAE
b. Uganda
c. USA
d. Tanzania
e. UK
21.At which of the following centres, we have our Micro Loan Factory?
a.Raebareli
b. Sultanpur
c. Lucknow d. only (a) & (b)
e. all the above
4
22. What is the global deposit figure of our Bank as of 31.03.14?

a.`5,68,894 Cr b. `5,50,883 Cr c. `5,49,556 Cr d. `5,36,363 Cr
e. `4,99,556 Cr
23.What is the global Advances figure of our Bank as of 31.03.14?
a.`4,20,180 Cr b. `3,97,006 Cr c. `3,86,252 Cr d. `3,20,363 Cr e.`3,12,212 Cr
24. Which of the following is/are not a separate vertical/s in our Bank?
i. Resource mobilization
ii. Wealth Management
iii. Training & Development
iv. Govt. Business
v. Retail Deposits
a. (ii)
b. (iv) & (v)
c. (ii) & (iv)
d. (ii) & (v)
e. (v)
25. At which of the following places our Bank has opened Regional Office during the
last quarter of this F/Y ie, 14-15?
a. Moradabad b. Madurai
c. Sambalpur
d. Navsari
e. all the above
KEY
1
a
8
d
15
b
22
a
2
c
9
d
16
c
23
b
3
c
10
d
17
d
24
d
4
b
11
e
18
-25
e
5
c
12
c
19
d
6
b
13
d
20
a
7
c
14
d
21
d
Deposits
1. What is the balance to be maintained in Baroda premium current account?
a) Min `75000 b) Min `300000 c) QAB `75000 d) QAB `250000
e)None of the above
2. What is the balance to be maintained in Baroda Premium Privilege current account?
a) Min `100000 b) Min `250000 c) QAB `100000 d) QAB `250000
e) None of the above
3. Auto sweep facility is available in which of the following accounts?
a) Baroda premium current account
b) Baroda premium privilege current account
c) Baroda Advantage current account
d) (a) & (c)
e) (a) & (b)
4. Minimum amount transferred to SDR through auto sweep in Baroda premium current
account isa)`10000 b)`15000 c)`20000 d) `25000 e) `50000
5. What is the maximum period of SDR in auto sweep for Baroda premium privilege
current account?
a)15 days b)45 days c)91 days d) 180 days e) 181 days
6. Min. period of SDR in auto sweep for Baroda premium current account is
a)15 days b)7 days c)30 days d)5 days e)45 days
7. Immediate credit of cheques is given in Baroda premium current account for `
a)`25000 b)`50000 c) `75000 d) `150000 e)No immediate credit allowed
8. Immediate credit of cheques is given in Baroda premium privilege current account
for `
a)`25000 b)`50000 c)`75000 d)`150000 e)`250000
9. What is the maximum tax benefit available under Baroda Tax Saving Term deposit?
a) `25,000
b)`50,000 c)`75,000 d)`1,00,000 e)`1,50,000
6
10. Number of free cheque book/s available in Baroda advantage current account is
a) One book
b) Two books c) Three books d) Unlimited
e) No free cheque book
11. What is the rebate/discount on locker rent to Baroda premium privilege current
account holder?
a) No Rebate allowed
b) 10 % on locker rent, if three years locker rent is paid in advance
c) 15 % on locker rent, if three years locker rent is paid in advance
d) 20 % on locker rent, if three years locker rent is paid in advance
e) 25 % on locker rent, if three years locker rent is paid in advance
12.What is the % of discount available to a Baroda Premium current Account customer
on exchange charges for issuing DD/BC?
a) 10 %
b) 25 %
c) 50 % d) 100%
e) No discount
13. For Baroda Advantage current account holders, 50 % waiver of processing charges
is available in Retail loans.
YES /NO
14. Free Issuance of Cheque book is unlimited for the Baroda Premium Privilege
account holder
YES/NO
15. HUF, is eligible to open Baroda Premium Current Account
YES/NO
16.Minimum Quarterly Average Balance to be maintained in Gen-Next Junior Savings

account is
a.`500 b)`1000 c)`5000 d)`10000 e) zero balance
17.Number of withdrawals not to exceed ______ in a half year by a Gen-Next Junior
Savings Bank account holder.
a)40
b)50
c)100 d)200
e)Unlimited
18.Gen-Next Suvidha is a
a.Savings Banks Product b.Recurring Deposit Product
d. Loan product
e. Overdraft product
c.Term Deposit Product
19.Aggregate loan amount in Gen-Next Life style scheme should not be more than
a) `5 lakhs b) `8 lakhs c) `10 lakhs d) `15 lakhs e) No upper limit
7
20.To avail the Gen-Next Life style facility, the maximum age should not exceed
a.18 years b)21 years c)30 years d)45 years e)60 years
21. What should be the minimum present gross annual emoluments for a borrower to
be eligible for sanction of Gen-Next Life style facility?
a) `60,000 b)`1,00,000 c) `2,00,000 d)`2,50,000 e)None of the above
22.Who is authorised to sanction Gen-Next Life style facility to employees of private
limited companies?
a) Branch Head b)Regional Head c)Zonal Head d)BCC e)MCB
23.The maximum monthly installment that can be deposited in Gen-Next Suvidha isa)`1000 b) `5000 c) `10000 d) `20000 e) No upper limit
24.In Gen-Next Suvidha scheme, the monthly installment should be paid on or before
______ to be eligible for interest.
a)10TH day of the month b)5TH day of the month c)3rd day of the month
d)Any day e)None of the above
25. To avail Gen-next Power (OD-facility), minimum take home salary should not be
less than
a)`5000 b) `10000 c) `15000 d) `20000 e) None of the above
26.What is the maximum overdraft allowed in Gen-next Power scheme?
a)`1 lac b) `2 lacs c) `3 lacs d) `5 lacs e) `8 lacs
27.Which of the credit rating model is being used for Gen Next Power facility?
a)SME rating model b)Old credit Rating Model
c)BOBRAM model
d)Personal loan model e)No rating is require
28. In super savings bank account interest is payable on ..basis.
a) Half yearly b)Quarterly c)Monthly d)Annually e)Daily
29. What is the minimum balance to be maintained in Baroda pensioners saving bank
account to enjoy auto sweep facility?
a) `5
b) `1000 c) `500 d) `3000 e) No minimum balance required
30. Which of the following is correct in Baroda Super Savings Bank a/c
a) Auto sweep to SDR for 181 days in multiple of `10000/- & reverse sweep in multiple
of `1000/- on LIFO basis.
b) Auto sweep to SDR for 180days in multiple of `5000/- & reverse sweep in multiple
c) Auto sweep to FDR for 1 Year in multiple of `10000/- & reverse sweep in multiple
d) Auto sweep to SDR for 45 days in multiple of `10000, & reverse sweep in multiple
of `5000 on LIFO basis.
e) None of these
31. What is the minimum Quarterly Average Balance to be maintained in Baroda Super
Savings Bank account?
a) `10000 b) `15000 c) `20000 d) `25000 e) `50000
32. What are the applicable charges in Super Savings Bank account for issuing cheque
leaves in excess of 40 in a year?
a) `2/- + S T b)`2.50 + S T c) `3/- + S T d) `4/ + S T
e)No Charges
33. What is the QAB to be maintained in Baroda Shubh Savings Account?
a) `5000/- b) `10000/- c) `15000/- d) `20000/- e) `25000/34. How many cheque leaves are free in a half year in Baroda Advantage Savings Bank
Account?
a) 10 leaves b)20 leaves c)30 leaves
d)40 leaves e)Unlimited
35. What is the minimum age for opening Savings Bank account in sole name of
a minor(able to read & write)?
a) 10 Years & Above b)14 Years & Above
c)18 Years & Above
d) 15 Years & Above e)21 Years & Above
36. What is the allowable maximum credit balance in Minors a/c aged 10-14 years?
a) `100000/- b) `50000/c) `10000/- d) `5000/- e)No limit
37. In Baroda Bachat Mitra (Overdraft facility in savings a/c), what is the minimum
overdraft facility available?
a) `10000/- b) `5000/c) `8000/- d) `100000/e) `25000/9
38. What is the maximum OD facility available in Baroda Bachat Mitra Account?
a) `10000/- b) `100000/c) `25000/- d) `50000/- e) `500000/39. What is the maximum amount of overdraft can be allowed in Baroda Pensioners
Savings Bank a/c
a) One month pension amount
b) Two months pension amount
c) 10 months pension amount
d) 20 months pension amount
e) No OD facility
40. Upto what amount immediate credit of outstation cheque can be allowed in Baroda
Pensioners Savings Bank a/c?
a) `15000/b) `20000/c) `25000/d) `50000/e) No Immediate Credit
41. In Savings deposit account interest is paid on:
a)
b)
c)
d)
a)
daily outstanding balance in the account and is paid on quarterly basis

maximum balance in the account between 11th to the last working day of the
month
minimum balance in the account between 10th to the last working day of the
month
daily outstanding balance in the account and is paid on yearly basis
daily outstanding balance in the account and is paid on half yearly basis.
42. Waiver of processing charge on retail loans is available for

a) Baroda premium current account holder
b) Baroda Super Saving account holder
c) Baroda Shubh Saving account holder
d) Baroda advantage saving account holder
10
43. Baroda Centenary Savings account can be opened in

a) Metro branches only
b) Metro and Urban Branches only
c) Semi Urban branches only
d) Semi Urban and Rural branches only
e) Metro, Urban, Semi Urban and Rural branches
44. In Baroda Centenary SB account, interest will be payable ___________on daily
product basis.
a) Quarterly
b) Half yearly
c) Yearly
d) Weekly
e) Daily
45. What is the minimum age required to get life insurance cover in the Baroda
Jeevan Suraksha Savings Bank account?
a) 10 years b) 15 years c) 18 years d) 21 years e) 25 years
46. Auto sweep and reverse sweep facility is available in Baroda Jeevan Suraksha SB
account
YES / NO
47 What is the mandatory period of deposit in Baroda Maha Utsav Term Deposit?
a)444 days b)555 days
c)666 days d)999 days e)1111 days
48. If premature payment under NRE term deposit is being taken place before 12
months, then what is the interest payable to the depositor?
a) 1% less than applicable rate of interest for the period
b) No penalty will be charged and applicable rate of interest will be paid
c) No interest will be paid
d) Interest as per banks discretion
49. What is the minimum deposit amount required to open Baroda Double Dhamaka
Fixed Deposit?
a) ` 100 b) `500 c) `1000 d) `5000 e) `10000
50. What is the minimum period of deposit under Baroda tax saving scheme?
a)12 months b)24 months
c)36 months
d)60 months e)120 moths
11
51. How much % of Baroda tax saving deposit can be considered as LABOD?
a) 80%
b) 85%
c) 90%
d) 95%
e) No LABOD
52. A person aged 60 yeras has opened a RIRD account for `1 lac for 10 years. ROI
for 8-10 years is 9.05% with additional interest benefits to specific categories of
customers. How much interest will he get?
a) 9.05% b) 10.05%
c) 9.55%
d) 9.30%
e) none of these
53. Under Baroda flexi Recurring Deposit (YSJY) what is the maximum ceiling of
deposit?
a) 3 times of core installment maximum `10000
b) 2 times of core installment maximum `10000
c) 5 times of core installment maximum `15000
d) 5 times of core installment maximum `10000
e) No ceiling
54. What is the minimum amount of deposit allowed under Baroda Yatha Shakthi Jama
Yojana?
a) `50
b)`100
c)`5
d)`10
e)`1000
55. Baroda Recurring Deposit account can be opened for a maximum period of a)12 months b)36 months
c)60 months d)120 months e)240 months
56. What is the maximum allowed OD/Loan limit against a time deposit?
a)90% of face value b)90% of book value
c)95% of face value
d)95% of book value e)85 % of face value
57. Which of the following is eligible to invest in Baroda Tax Savings Deposit scheme?
a) Company b) Society
c) Firm d) Individual e) All the above
58.In Baroda Tax Saving Deposit scheme, ex- staff who is also a senior citizen will
get the benefit of a) 1 % additional interest only
b) 0.5 % additional interest only
c) either 1 % or 0.5 % additional interest as per his/her choice
d) both 1 % and 0.5 % eligible
e) No additional benefit
12
59. How much maximum amount a customer can deposit in RIRD account with our bank?
a) `25 lac
b) `50 lacs
c) `1 cr d) `10 Cr
e) no such ceiling
60. FCNR (B), deposit can be accepted for a maximum period of ____
a) 3 Years
b) 5 Years c) 7 Years d) 10 years e) None of the above
61. What is the additional interest rate to be paid in a Fixed Deposit Joint account
where first holder is senior citizen, dependent of staff and second holder is
senior citizen retired staff?
a. 0.50%
b. 1.00%
c. 1.50%
d. 2.00%
e. none of above
62. As per the newly approved policy on Preservation and Destruction of Records and
Document Handling, what is the period of retention for vouchers pertaining to
FDR?
a. 5 years
b. 8 years
c. 10 years
d. 12 years
e. 20 years
63. What are the maximum sanctioning powers of LABOD for different sanctioning
authorities?
JMGS-I
MMGS-II
MMGS-III
SMGS-IV
a
`10.00
`25.00
`100.00
`200.00
b
`25.00
`50.00
`150.00
`200.00
c
`25.00
`62.50
`150.00
`200.00
d
`25.00
`62.50
`200.00
`250.00
e
Can be sanctioned any amount by taking sufficient margin
64. RIRD with related to Fixed Deposit stands for
a) Regular Income cum Regular Deposit
b) Regular investment cum Recurring Deposit
c) Regular Income cum Recurring Deposit
d) Re-investment cum Regular Deposit
65.What is the minimum amount a customer can deposit in RIRD Scheme?
a) `50
b) `100
c) `1000
d) `5,000
e) `10,000
13
66. A salaried person has an invesement of `2 lacs in our banks RIRD Scheme for 8
years at the rate of 9.05%. He is a tax payer and having annual income of `6.80
lacs from all the sources. Which statement is true about TDS for this person?
a) TDS will be deducted @10%
b) TDS will be deducted @ 20%
c) He can submit Form No.15(G) for tax exemption
d) He can submit Form No.15(H) for tax exemption
e) As a tax payer, he is exempted from TDS
67. What is the maximum period that a customer can invest his funds in RIRD
scheme?
a) 1 year
b) 3 years
c) 5 years
d) 10 years
e) 12 years
68. A deposit in RIRD schemes is liable for TDS if interest paid in a F/Y exceeds
_____ per annum
a) `5,000
b) `10,000
c) `20,000
d) `50,000
e) `1,00,000
69. Mr Prakash has deposited `1.00 lac in RIRD scheme for 8 years @ 9% p.a. with
our bank. After expiry of 11 months from initial deposit, he felt an urgent need
of entire money, so requested bank for pre mature withdrawal. ROI for 11
months was 6.50%. At what rate will he get his money back?
a) At contractual rate ie, 9% p.a.
b) @ 6.50%
c) @ 8%
d) @ 5.50%
e) None of these
70. A customer has a RIRD deposit of `50,000 with our bank for 60 months @
7.50% with maturity value of `72,497/-. After completing 15 months, he
approached bank for a loan of `55,000 against his deposit . But the book value
at the time of seeking loan was `54,000. How much max loan depositor can get?
a) `40,500
b) `48,600
c) `55,000 d) `51,300
e) `53,000
14
71. Mr Sukant has two deposit receipts of `50,000 and `1.50 lacs in RIRD scheme
with bank. ROI and period of deposit are 8.25% & 9.15% and 60 months & 84
months respectively. One day he approached bank for a loan of `1.80 lacs
against his both deposits. How much interest will bank charge from customer?
a) 9.15%
b) 8.93%
c) 9%
d) 10%
e) none
15
KEY
1
c
6
a
11
d
16
a
21
d
26
b
31
c
36
a
41
e
46
YES
51
e
56
d
61
b
66
a
71 *
d
2
d
7
b
12
c
17
c
22
b
27
d
32
e
37
c
42
c
47
e
52
c
57
d
62
e
67
d
3
e
8
d
13
YES
18
b
23
c
28
b
33
c
38
b
43
e
48
c
53
a
58
d
63
d
68
b
4
d
9
e
14
YES
19
b
24
b
29
d
34
b
39
b
44
a
49
d
54
b
59
e
64
c
69
d
5
c
10
a
15
YES
20
d
25
b
30
a
35
a
40
c
45
c
50
d
55
d
60
b
65
c
70
d
*1,50,000x9.15 = 13,72,500
30,000x8.25 = 2,47,500
16,20,000/1,80,000 = 9% applicable average deposit rate +
1% above deposit rate on LABOD @ 10%
16
Advances
1.One of our USPs in case of housing loan is a) Free personal accident& house building insurance
b) Free personal accident insurance
c) Free life insurance
d) Free life & building insurance
e) Free house building insurance
2. What is maximum housing loan limit for a rural/semi urban branch?
a) `50 lacs b) `75 lacs c) `100 lacs
d) `150 lac e) `200 lacs
3. Loans for repairs to the damaged dwelling units of families up to ` -----lac in rural
and semi- urban areas and up to `----- in urban and metropolitan areas qualifies
for priority sector.
a) 1,2 b) 2,5
c) 1,4 d) 2,4 e) 1,5
4. What is the revised margin for Home Loans upto `20 lacs?
a. 10%
b. 15%
c) 20% d) depends upon monthly income
e) none
5.The maximum allowable moratorium period in case of Home Improvement loan is(a) 06 months (b) 12 months (c) 18 months (d) 24 months (e) 30 months
6. What is the revised margin for Home Loans above `20 lacs & upto `75 lacs?
a. 10% b. 15%
c) 20% d) 25% e)depends upon monthly income
7. What is the maximum period for repayment of Home Improvement loan?
(a) 10 years (b) 15 years (c) 20 years (d) 25 years (e) 30 years
8. The maximum limit that can be sanctioned in Home Improvement loan is (a) `10lac
(b) `25lac (c) `50lac (d) `75lac (e) `100lac
9. Home improvement loan cannot be given to
(a)
HUFs (b) Staff (c) Director of a company
(e) both a & b
17
(d) Partner of a firm
10. For availing Home Improvement loan, the principal borrower must be employed
or to be in business at least for ----------.
(a)
6 months (b) 1 year (c) 2 years (d) 2.5 years (e) 3 years
11.The eligible limit for Baroda Additional Assured Advance is _______ of residual
Value of house property after deducting _______ of O/S in housing loan account.
a)75%,150%
b) 50%,100% c) 40%,75%
d) 30%,150% e) 20%,125%
12. Valuation of the property at the time of considering AAA facility should not be
older than ------------.
a)01 years b) 02 years c) 03 years
d) 05 years e) None of these
13. The minimum amount of loan under AAA facilitya)`0.25 lacs b) `0.50lac c) `1.00lac d) `Rs.2.00lac e) `5.00lac
14. The maximum amount of loan that can be sanctioned under AAA is ------a)`10 lacs b) `20 lacs
c) `100 lacs
d) `200lac e) 90% of principal repaid
15 For becoming eligible for home loan, a N.R.I must have been employed overseas or
having a business unit for the last ------- years
(a) 1 year b) 2 years c) 3 years
d) 4 years e) No such condition
16. What should be the minimum income per annum for a NRI, to become eligible for
NRI home loan?
(a) `1 lac b) `3 lacs
c) `4 lacs
d) `5 lacs
e) `6 lacs
17. The maximum repayment period for a N.R.I home loan is ------ years.
(a) 10 b) 15
c) 20
d) 25
e) 30
18. The income criteria for calculation of outer limit of housing loan in case of
N.R.I (salaried) is------------subject to repayment capacity.
(a) 25 times of gross monthly income
(b) 36 ------------do--------(c) 48 ------------do-----------------(d) 54------------do------------------(e) As per norms of home loan to residents
18
19. What is the minimum amount of loan under Baroda Loan against Future Rent
Receivables?
a. `5 lacs
b. `10 lacs
c. `15 lacs
d. `20 lacs
e. `25 lacs
20. What should be the minimum stipulated margin on the value of property in our
Retail Product, Baroda Ashrey?
a) 15%
b) 20%
c) 25%
d) 30%
e) 40%
21. What is the maximum age of the building to be accepted as security for
considering Baroda Ashrey Loan?
a)10 b) 20 c) 25
d) 30
e) 40
22. The minimum age of borrower to be considered for availing Baroda Ashrey is ____
a) above 55
b) above 60
c) above 65
d) above 70 e) aged 60-70
23. What is the maximum amount of loan including proposed accrued interest under
Baroda Ashrey Loan?
a) `25 lacs b) `50 lacs
c) `1 crore
d) `2 crores e) `3 crores
24. In Baroda Ashrey Loan, the mortgaged property is to be revalued at an interval of
every --------years during the entire period of loan.
a)2 b) 3
c) 1 d) 5
e) 4
25. What is the maximim limit under loan to Professionals as a Retail borrower?
(a) `10 lacs (b) `20 lacs
(c) `25 lacs
(d) `50 lacs (e) `100 lacs
26. What is the maximum amount of loan that a Rural branch can sanction under
Baroda Mortgage Loan?
(a) `2.00lac
b) `5.00lac
c) `10.00lac d) `50.00 lacs e) `100.00 lacs
27. What is the DLP for an Officer in Scale-III for considering Baroda Mortgage
loan?
a) `10 lacs
b) `20 lacs
c) `25 lacs
d) `50 lacs
e) `100 lacs
28. What is the maximum moratorium period allowed in Baroda Mortgage loan?
(a) 03 months
b) 06 months c) 12 months
d) 18 months e) 24 months
19
29. While considering Baroda Mortgage loan, normally age of the building should not
exceed -------years
a)10
b) 15
c) 20
d) 25
e) 40
30. What can be the minimum amount of loan under Future Rent receivable scheme to
the land lord of Bank of Baroda premises?
a)`5.00lacs b) `10.00lacs c) `15.00lacs d) `20.00lacs (e)No minimum limit
31. For considering Baroda Traders Loan, the borrower should be in the line of activity
/business for a minimum of ----- years
(a) 01 year b) 1.5 years
c) 2 years d) 2.5 years e) 3 years
32. What is the periodicity of inspection in a standard Baroda Traders Loan account?
(a)As per credit rating (b) Bi monthly (c) Quarterly (d) half-yearly
(e) Once in a year.
33. What is the maximum loan that can be considered under Baroda traders Loan?
(a) `50.00lacs
b) `100.00lacs c) `250.00lacs d) `300.00lacs e) `400.00lacs
34. What should be the minimum amount of loan that can be availed in Baroda Trader
Loan against gold ornaments?
a) `0.25lac b)`0.50lac
c) `2.00lacs d) `3.00lacs
(e)`5.00lacs
35. What is the maximum limit allowed under our Retail Product Baroda Advance
against gold Ornaments/jewellery?
(a) `2.00 lacs b) `10.00 lacs
c) `15.00 lacs d) `20.00 lacs e) `25.00 lacs
36. What should be the stipulated margin for advance against gold ornaments for more
than `3.00 lacs?
(a) 15% b) 25% c) 30% d) 35%
e) 40%
37.For availing benefit of education linked subsidy scheme, maximum amount of the
income of entire family of student not to exceed `------lacs p.a
(a) `2.00
b) `3.50 c) `4.00
d) `4.50 e) `5.00
20
38. What is the maximum limit for purchase of new vehicles under SME scheme for
financing existing borrowers for purchase of new vehicles?
a.`50 lacs b. `100 lacs
c. `150 lacs
d. `200 lacs
e. `300 lacs
39.What is the stipulated margin under Baroda Scholar Education Loan scheme?
(a) 5%
b) 10%
c) 15%
d) 20%
e) 25%
40. In which of the following products, 100% collateral is stipulated irrespective of
the sanctioned limit?
(a) Baroda Gyan (b) Baroda Scholar
c) Baroda Career development
(d)Baroda Vidya (e) No such scheme
41. RBI has advised all PSBs to earmark _____ of their Net Bank Credit for lending to
women
a. 1%
b. 3%
c. 5%
d. 8%
e. 10%
42.What is the maximum eligible amount in Baroda Auto Loan for purchase of an old
Car?
(a) `5.00lacs b)`10.00lacs c)`15.00lacs d)`20.00lacs e)`25.00lacs
43. What is the minimum stipulated margin while financing car (above `15.00lac)?
(a) 10%
b) 15%
c) 20%
d) 25%
e) 30%
44. What is the maximum limit for purchase of new vehicles from commercial vehicle
manufacturers under scheme for financing Road Transport Operators?
a. `10 lacs
b. `25 lacs
c. `50 lacs
d. `75 lacs
e. `100 lacs
45. What is the maximum ceiling for the deviation charges under Retail lending (other
than Housing Loan) products?
a) `5000 b) `6000 c) `10000
d) `15,000 e) `20,000
46 What is the maximum ceiling for Defense pensioners loan in our bank?
a) `1.00lac b) `2.00lacs c) `3.00lacs d) `4.00lacs e) `5.00lac
47.What is the maximum ceiling for considering Pensioners loan, other than defense
Pensioners?
(a) 4 times b) 5 times
c) 6 times d) 8 times e) 10 times
21
48. As per Commercial Real Estate exposure, the Loan against Rent Receivables limit
upto _____ can be considered under Retail Banking segment to individualsa. `1 Cr
b. `2 Cr
c. `3 Cr
d. `5 Cr e. `10 Cr
49.In case of non allotment of property/plot, Loan for earnest money deposit to be
repaid lump sum within a period of ---(a) 01 month b) 02 months
c ) 03 months d) 06 months e) 12 months.
50.In case of loan to Doctors (Retail), up to what limit collateral security can be
waived?
a) `2.00lacs b) `3.00lacs
c) `5.00lacs d) `10.00lacs
b) It cannot be waived
51. What is the minimum stipulated limit under the Retail product, Loan to
Doctors?
(a) `0.50lacs
b) `1.00lacs c) `2.00lacs d)`5.00lacs e) No minimum limit
52. What is the maximum limit of eligible housing loans under Credit Risk Guarantee
Fund Trust Scheme (CRGFS) for low income housing in urban areas?
a. `5.00 lacs b. `6.00 lacs c. `8.00 lacs
d. `10.00 lacs
e. `15.00 lacs
53. What is the maximum loan limit for our staff against N.S.Cs ?
a) `3.00lac b) `5.00lac c) `10.00lac d) 5 times of gross salary
e) 6 times of gross salary
54. What is the maximum ceiling to the customer for availing loan against NSC/Life
Insurance policy?
a) `15.00 lacs b) `25.00lacs c) `50.00lacs d) `100.00lacs (e)No such ceiling
55. What is the maximum OD facility under the Baroda Salary advantage account?
(a) `0.50 lacs b) `1.00 lac
c) `2.00 lacs d) `3.00 lacs e) `5.00 lacs
56. The OD limit allowed for Baroda salary advantage SB account should be
brought in to credit balance at least once in ---------- days.
(a) 30
b) 45 c) 60 d) 90 e)Not required
22
57. Age of the principal borrower should not be less than ------- years while
considering Housing Loan.
a)18
b)20
c) 21
d) 25
e) 30
58. What is the maximum repayment period that can be considered for repayment of
Housing Loan?
a) 30 years b) 25 years c) 20 years d) 18 years e) 15 years
59. What is the maximum repayment period allowed for Two Wheeler and Consumer
Durable Loans?
(a) 35 months b) 36 months c) 48 months
d) 60 months e) 84 months
60. What is the maximum limit under our SME Product Baroda OD against Land &
Building Scheme in a Rural area?
a. `10 lacs
b. `25 lacs
c. `50 lacs
d. `75 lacs
e. `100 lacs
61. Upto what limit an Education loan for studies in India is classified as priority
Sector?
(a) `5 lacs
b) `10 lacs
c) `15 lacs
d) `20 lacs
e) `25 lacs
62. In case of takeover of retail loans, though within the DLP of a sanctioning
Authority, prior permission is required from___
(a) Regional head b) Zonal Head c) D.R.M d) Chief manager
e) Permission not required
63. In our Bank, on-line application facility is not provided for which of the retail
products given below?
(a) Baroda Home Loan (b) Baroda Car Loan (c) Baroda Personal Loan
(d)Baroda Education Loan
(e) none of these
64. What is the periodicity of inspection of security in case of a fully disbursed & well
run Baroda Home loan account?
(a) 06 months (b) 01 year (c) 02 years (d) 03 years (e) 05 years
65. What is the maximum time allowed for construction on a plot purchased under
our Housing loan?
(a) 12 months
(b) 18 months (c) 1 year
(d) 2 years (e) 3 years
23
66. What is the maximum loan limit under Baroda Home loan scheme at Urban &
Metro centres?
(a) `50lacs (b) `100lacs (c) `150lacs
(d) `200lacs (e) `300.00lacs
67. What is the maximum limit under Car Loan to a salaried person?
(a) 18 times of G.M.I (b) 20 times of G.M.I (c) 24 times of G.M.I
(d) 30 times of G. M.I
(e) 36 times of G.M.I
68. Which of the following constitutions not eligible for Baroda Traders loan?
(a) Individuals (b) Proprietorship firms (c) Pvt. Ltd. Co
(d) Registered Co operative Societies (e) Public Ltd co.
69. Upto what limit an Education loan for studies abroad is classified as priority
Sector?
(a) `4 lacs (b) `5 lacs
(c) `10 lacs (d) `15 lacs
(e) `20 lacs
70. In housing loan, age of Co-borrower should not be less than ------- years.
(a) 21
(b) 18
(c) 25 (d) 30 (e) 20
71. What is the percentage of margin for financing old car of its accepted value?
(a) 10%
(b) 15%
(c) 25%
(d) 30%
(e) 40%
72. For applying personal loan, the prospective borrower must be employed at least
for the last ----------.
(a) 06 months (b) 18 months
(c) 1 year
(b) 2 years (c) 3 years
73.What is the revised margin for Home Loans above `75 lacs?
a. 10% b. 15%
c) 20% d) 25% e) depends upon monthly income
74. Addition of co-borrower is allowed for Car Loan, subject to
a. Minimum age of co-borrower is 18
b. Should be a family member of the principal borrower
c. Vehicle should be registered in the name of first applicant
d. If income of co-borrower is accepted for higher limit, sustainability of
income to be ensured
e. All the above
24
75. What is applicable Rate of Interest for our Baroda Car Loan?
a. Base Rate + 0.50% uniform for all tenor
b. Base Rate + 0.25% for loans up to 5 years & Base Rate + 0.50% for loans
more than 5 years
c. Base Rate + 0.25% for all tenor
d. Base Rate
e. None of these
76.Which of the following Deviations for Baroda Auto Loan where Regional Head/
Zonal Head has been given full powers for waiver?
a. Existing account relationship
b. Maximum age parameters
c. Income criteria
d. Repayment period
e. (a), (b) & (c) only
77. Which of the following is/are TRUE with respect to extension of mortgage of
property to secure more than one Retail /other loan?
(i)
Regional Head can allow extension upto -2- Loans
(ii)
Zonal Head can allow extension upto -3- Loans
(iii) Committee of GMs has full powers in this aspect
a. Only (i) & (ii) b. Only (i) & (iii) c.Only (ii) & (iii) d. only (i) e. all (i),(ii) & (iii)
78.Under Home Loan to Staff members under Public Scheme, what is the maximum
eligible amount for purchase/construction of house?
a) any amount as per repaying capacity/take home salary
b) `10 lacs
c) `15 lacs
d) `25 lacs
e) `30 lacs
79. What is the minimum loan limit under our SME Product Baroda OD against Land &
Buildings?
a. above `5 lacs
b. above `10 lacs
c. above `20 lacs
d. above `25 lacs
e. above `30 lacs
80.What are the criteria for issuing SME Gold Card to a borrowe?
a. A/c in standard category for last 2 yrs, obligor rating of BOBb. A/c in standard category for last 2 yrs, obligor rating of BOBabove, enjoying working capital limits of `25lacs and above
c. A/c in standard category for last 3 yrs, obligor rating of BOBabove, working capital limits of `25lacs and above
d. A/c in standard category for last 2 yrs, obligor rating of BOBabove, enjoying working capital limits of `25lacs and above
e. A/c in standard category for last 2 yrs, obligor rating of BOB25
4
5 and
5 and
4 and
5
81. Baroda SME Gold Card is issued for a period of ____

a) 180 days
b) 1 year
c) 2 years
d) 3 years
e) 5 years
82. Baroda SME Gold Card envisages a standby limit of ___ % of the assessed
MPBF/limit
a.10%
b. 15%
c. 20% d. 25%
e. 30%
83. What is the minimum & maximum limit as per scheme guidelines under Baroda
Vidyasthali Loan?
a) `10lacs and `10 Cr
b) `25lacs and `10 Cr
c) `10lacs and `15 Cr
d) `25lacs and `15 Cr
e) `10lacs and `12 Cr
84. What is the maximum loan limit under our SME Product Baroda Arogyadham in
Urban & Metro Centres?
a) `10 Cr at both Urban & Metro
b) `12 Cr at both Urban & Metro
c) `12 Cr at Urban & `15 Cr at Metro
d) `10 Cr at Urban & `15 Cr at Metro
e) `15 Cr at both Urban & Metro
85.What would be the 'composite loan limit' under SME Loan Pack scheme?
a)4 times of Borrowers TNW as per last audited B/s or maximum `2 Crs,
whichever is lower
b) 4.5 times of Borrowers TNW as per last audited B/s or maximum `5 Crs,
whichever is lower
c) 4.5 times of Borrowers TNW as per last audited B/s or maximum `10 Cr,
whichever is lower
d) 4 times of Borrowers TNW as per last audited B/s or maximum `5 Cr,
whichever is lower
e) None of these
26
86.As per Credit Guarantee Fund Trust Scheme (CGTMSE) for Micro and Small
Enterprises the 'collateral free' credit to Micro and Small Enterprises can
be covered up to a limit of
a. `25 Lac b. `50 Lac c. `100 Lac
d. `150 Lac
e. `200 lacs
87. Break Even point refers to a level ;
a. Beyond which a unit starts registering profit
b. At which sales is equal to Fixed cost and Variable cost
c. Where the functioning of the unit will result into no profit no loss
situation.
d. Above all
88. Net working Capital refers to
a. TNW minus non current assets minus contribution to Fixed Assets
b. Total of current assets minus total of current liabilities (incl. Bank Fin.)
c. Borrowers own contribution by way of margin in working capital
d. Above all
e. either (b) or (c)
89. Shorter Operating cycle of unit refers to ;
a. Efficiency of the working capital management
b. Lesser working capital requirement
c. Fast turnover of the current assets.
d. Above all
e. (b) & (c) only
90. A Micro Enterprises (Mfg) is one whose original investment in plant and
machinery does not exceeds__
a) `2 lacs
b) `5 lacs
c) `10 lacs
d) `20 lacs
e) `25 lacs
91. All documents are required to be vetted by approved panel advocate of the bank
if sanctioned limit exceeds ____
a)`5 lacs
b) `10 lacs
c) `25 lacs
d) `50 lacs
e) `1 Cr
27
92. Current assets are those assets which are

a. Converted into securities during business cycle
b. Converted into cash during business cycle
c. Converted into fixed assets during business cycle
d. Converted into debts assets during business cycle
93.
Current liabilities are those which are payable normally within a period of ___
a. Nine months. b. Three months. c. Immediately
d.One year from the date of balance sheet.
94. Net worth means

a. total of capital and free reserves
b. total of capital and long term debts.
c. total of capital and debentures.
d. total of capital, free reserves and debentures
e. total share capital
95. Tangible net worth means
a. Net Worth Intantigle assets
b. Net Worth Debentures
c. Net Worth Goodwill
d. Net Worth + Intangible Assets.
e. Net Worth + Net Profit
96. Cash profit means
a. Gross Profit + depreciation
b. Net Profit + depreciation
c. Net Profit depreciation
d. Gross profit depreciation
e. Profit retained in the form of cash
28
97. Other name for cash profit is

a. Reserve generation
b. Profit generation
d.Cash generation e. cash in hand
c. Net profit
98. The total of current assets is known as a. Net working capital

b.Gross working capital
b. Borrowers contribution
e. Bank Finance
c.Working capital gap
99. Current assets minus current liabilities excluding bank borrowings is Called-a. Net working capital b. Working Capital gap c. Net sales d.Net profit
e. Gross Working Capital
100.
What should be the minimum collateral security if finance under SME
Baroda Arogyadham exceeds `5.00 Cr?
a.20%
b. 25%
c. 30%
d. 35%
e. 40%
101.
102.
29
What is the Lock-in period for any Credit facility under CGTMSE?
a) 3 months b) 6 months
c) 12 months
d) 18 months
e) 24 months
Branch Manager in Scale II in a rural branch can grant maximum TOD
upto
a) `0.50 Lacs b) `1.00 lac c) `2.00 lacs d) `50 lacs
e) no powers
103.
As per Recovery Policy 2014, Bank calculates notional recoverable dues

@____ simple interest in order to arrive at the sacrifice in the compromise
advance account.
a) 8%
b) 9%
c) 10%
d) 12%
e) 15%
104.
What are the guidelines for periodicity of inspection of prime

securities for working capital, in case of latest Credit Rating is BOB-1 to
BOB-3?
a)Bi-monthly
b) Quarterly
c) Half-yearly
d)Yearly
e) As and when required
30
105.
What is the classification in case of new infrastructure and real estate

where the project cost is up to `50 crores?
a)Rural & Agri Banking b)Wholesale Banking c) Retail Credit
d)MSME Advance
106.
Documents related to advance sanctioned should be vetted by Law

Officer posted at Region/Zone if total exposure (Funded plus NonFunded) is ______.
a)Above `2 Cr b) `2 Cr & above
c) Above `1 Cr d) `1 Cr & above
e)`10 lacs & above
107.
Monthly Monitoring Reports are to be submitted in all accounts with

exposure of ______
a. `100 lacs & above
b. above `100 lacs
c. `200 lacs & above
d. above `200 lacs e. All accounts beyond the powers of Branch Head
108.
Which of the following requires activity clearance from Corporate Office

though proposal falls within the DLP of Zonal Head?
a) Cinema Halls, Theatres
b) Auditoriums/ Amusement Parks
c) Advances to hotels/resorts
d) Leasing/Hire purchase
e) Exposure to diamond industry
109.
What is the minimum & maximum limit for financing units under Textile
Industry as per our SME Scheme?
a. `10 lacs & `10 Cr
b. `10 lacs & `15 Cr
c. `25 lacs & `10 Cr
d. `25 lacs & `15 Cr
e. `25 lacs & `25 Cr
110.
Stock/Book Debt Audit is to be carried-out compulsorily in all accounts

every financial year having fund- based working capital limits (including
DA LC limit) of over ` ----- with our Bank.
a)`1 crore
b) `5 crores
c) `10 crores d) `25 crores
e) in all account
111.
Which one of the following is NOT the correct parameter in case of takeover of
SME accounts?
a)
Profit-making concerns only as per last audited Balance Sheet.
b)
There should not have been any reschedulement / restructuring in the
account during last year.
c)
Satisfactory report from the existing bank/FI and/or satisfactory
conduct of account as per latest statement of accounts
d)
Accounts with existing lenders should be under the category of
Standard Assets.
e)
Accounts are rated as per the new credit rating model (BOBRAM) subject
to minimum BOB 6.
112. What are the criteria for undertaking TEV study as per our Banks guidelines?
a) Size of exposure
b) Project Cost & Size of exposure
c) If the customer is new to our Bank
d) Project Cost only
113. TEV study need not be insisted upon in case of
a) Limit of `10 Cr
b) Project cost of `10 Cr
c) Limit less than `10 Cr
d) Project cost less than `10 Cr
e) Project cost less than `5 Cr
114. When the account has become NPA, and there is significant erosion in value of
Security, the account will be classified as
a)Sub-Standard b)Loss c)DB-I d) DB-II e) DB-III
115. All NPA accounts involving _____ or more to be invariably suit-filed.
a. `10 lacs
b. `25 lacs
c. `50 lacs
d. `75 lacs
e. `100 lacs
116. Which of the following accounts, Compromise can be entertained?
a) NPA account b) Suit filed & decreed account
c) DRT/BIFR account
d) Where SARFAESI action has been initiated
e) All the above
31
117. Corporate Debt Restructuring (CDR) can be undertaken in respect of

a) Account where total FB & NFB exposure is not less than `10 Cr
b) Credit facilities have been extended under Consortium/Multiple Banking
Arrangement
c) Borrower is not a willful defaulter
d) Account which fulfills any one condition above
e) Account which fulfills the conditions (a) (b) (c)
118. As per Commercial Real Estate exposure, the Loan against Rent Receivables limit
upto _____ can be considered under SME Banking to other than Individualsa) `5 Cr
b) `10 Cr
c) `15 Cr
d) `20 Cr
e. `50 Cr
119. The minimum Credit Rating required for availing SME Short Term Loan and SME
Gold Card Scheme is
a. BOB-2
b. BOB-3
c. BOB-4
d. BOB-5
e. BOB-6
120.What is the period of repayment allowed under SME Short Term Loan?
a. 45-90 days
b. 90-120 days
c. 90180 days d. 90 days-12 months
e. none of these
121. Normally, book debts recoverable within _____are considered for the
Calculation of Drawing Power in working capital limits.
a) 60 days
b) 90 days c) 120 days d) 180 days e) 270 days
122. What is the minimum and maximum limit that can be sanctioned under Baroda
Professionals under MSME?
a. `5 lacs & `2 Cr
b. `10 lacs & `5 Cr
c. `2 lacs & `25 lacs
d. `10 lacs & `2 Cr
e. none
123.What is the method of assessment of Working Capital limits for SME Units
classified under non-regulatory definition?
a. 1st method of lending
b. 2nd method of lending
c. Nayak Committee (20% of the accepted projected turnover)
d. (a) or (c) whichever is higher
e. Cash Budgeting method
32
124.What is the criteria adopted for assessment of Working Capital for SME Units
as per our Loan Policy?
a. Quantum of limit requested
b. Unit is manufacturing or service sector
c. Unit classification is Regulatory or Non-Regulatory
d. On the basis of projected turnover
e. On the basis of Project Cost
125.What is the maximum limit that can be sanctioned under Baroda Laghu
Udhyami Credit Card (LUCC)?
a) `1 lac
b) `2 lacs
c) `5 lacs
d) `10 lacs
e) `25 lacs
126.As per revised guidelines, commitment charges are to be levied in case of non/
under utilization of both FB & NFB working capital limits of ______ & above.
a) `100 lacs
b) `200 lacs
c) `300 lacs
d) `500 lacs
e) `1000 lacs
127.Which of the following is not considered to be a non fund based facility?
a) Performance Bank Guarantee
b) Letter of Credit (D/P)
c) Deferred Payment Guarantee
d) Financial Bank Guarantee
e) Bills discounted
33
KEY
1
b
11
a
21
e
31
c
41
c
51
a
61
b
71
e
81
b
91
b
101
d
111
b
121
b
34
2
c
12
c
22
b
32
e
42
b
52
c
62
e
72
c
82
a
92
b
102
e
112
d
122
b
3
b
13
c
23
c
33
e
43
c
53
d
63
c
73
d
83
d
93
d
103
d
113
d
123
b
4
a
14
d
24
d
34
b
44
e
54
e
64
d
74
e
84
c
94
a
104
c
114
b
124
c
5
a
15
b
25
e
35
b
45
c
55
b
65
e
75
c
85
b
95
a
105
d
115
e
125
d
6
c
16
d
26
c
36
d
46
b
56
c
66
e
76
e
86
c
96
b
106
a
116
e
126
a
7
a
17
b
27
c
37
d
47
e
57
c
67
c
77
a
87
d
97
d
107
a
117
e
127
e
8
a
18
c
28
a
38
d
48
e
58
a
68
e
78
d
88
d
98
b
108
d
118
d
9
e
19
a
29
d
39
c
49
d
59
d
69
e
79
b
89
d
99
b
109
d
119
d
10
e
20
b
30
e
40
c
50
c
60
d
70
b
80
b
90
e
100
c
110
b
120
d
Others1. Which of the following committees has recently submitted its report recommending
privatisation of public sector banks?
a. P J Nayak Committee
b. S H Khan Committee
c. Damodaran Committee
d. Arvind Mayaram Committee
e. M B Shah Committee
2.What is the maximum loan limit under Baroda Vehicle Loan for Young Officers?
a. `5.00 lacs
b. `4.50 lacs
c. `3.50 lacs
d. `7.00 lacs e. `6.00 lacs
3. What is the maximum loan limit under Baroda Two Wheeler Loan for Young
Clerical Staff?
a. `50,000 b. `40,000 c. `60,000/d. `90,000
e. `1.00 lac
4.What is the Rate of Interest chargeable on Advance against third party FDRs?
a. 1.50% over Deposit Rate or Base Rate + 1.00% whichever is higher
b. 1.25% over Deposit Rate or Base Rate + 3.50% whichever is higher
c. 1% over Deposit Rate or Base Rate + 0.25% whichever is higher
d. 1.50% over Deposit Rate or Base Rate + 0.50% whichever is higher
e. 1% over Deposit Rate or Base Rate + 0.50% whichever is higher
5. As per Compliance Policy of our Bank, the compliance testing at Regional level
should be organized in such a way that compliance is tested at branches on
_______ basis.
a.monthly
b. quarterly
c. half yearly
d. yearly
e. none
6. What is the limit for booking of forward contracts by Resident individuals, firms
and companies on the basis of a simple declaration?
a.$50,000
b. $75,000
c. $1,00,000
d. $2,00,000
e. $2,50,000
7. In a LC transaction, Beneficiary is:
(a) The Exporter/Seller (b) The Importer/Buyer (c) The Exporters/Sellers Bank
(d) The Importers/Buyers Bank
(e) Negotiating Bank
35
8. In a LC Transaction, Applicant is:

(a)The Exporter/Seller (b)The Importer/Buyer (c) The Exporters/Sellers Bank
(d) The Importers/Buyers Bank
(e) Issuing Bank
9. SWIFT stands for
(a)Software for International Financial Transactions
(b)Society for Worldwide Inter Bank Financial Telecommunication
(c) Software for Wireless International Financial Transactions
(d) Society for Worldwide Inter Bank Financial Transactions
10. Incoterms are defined by:
(a)World Bank Organisation (b) International Chamber of Commerce
(c)Director General of Foreign Trade (d) Foreign Exch Dealers Association of India
(e) SWIFT Cell
11. The document NOT usually required by the bank in an LC transaction is:
(a) Transport document such as a Bill of Lading or Airway Bill
(b) Insurance Document (c) Inspection Document (d) Balance Sheet
12. In an LC transaction, Which bank(s) is/are likely to be present in the beneficiary
country. (i)Advising Bank (ii) Negotiating Bank (iii) Issuing Bank
a)Only (i)
(b) (i) and (ii)
(c) (i) and (iii)
(d) All of these
13.If an LC has neither Revocable nor Irrevocable marked on it, the LC would be
assumed to be:
(a) Revocable
(b) Irrevocable
(c) Either of these two
(d) Depends upon the commercial Invoice
(e) as decided by the beneficiary
14. A confirmed letter of credit gives more assurance to:
a)Applicant b) Beneficiary
c) Both d) Advising Bank e) Issuing Bank
15. Conceptually, the Stand by letter of credit is most similar to:
(a) Unconfirmed Letter of Credit (b) Revocable Letter of Credit
(c) Bank Guarantee
(d) Letter of Intent
36
16. In a free market scenario and all other factors remaining the same, booming
exports from India would result in:
(a) Appreciation of INR
b) Depreciation of INR c) Appreciation of USD
(d)Cant say
17. The simultaneous buying and selling of FOREX positions to square off exposed
position is known as:
(a) Forward Deal (b) Inter Bank Deal (c) Swap Deal
(d) open market deal
18. This is an obligatory contract to deliver or receive certain quantity of foreign
currency at a specified rate and on a stipulated date. What are we talking about:
(a) Bid Contract (b)Ask Contract (c)Forward Contract (d)Put Option
(e) Buy Option
19. The rate quoted by the banks for buying and selling foreign currency amongst each
other is known as:
(a) Spot Rate
(b)Inter Bank Rate
(c) TT Rate (d) Currency Rate
(e) Swap rate
20. If one is buying with rupees a currency X which is not normally traded against
rupees, one can arrive at a rupee-exchange Rate by relating the rupee-$ rate to
the $-X rate. This is known as:
(a) Multiple Rate
(b)Currency Rate
(c)Cross Rate
(d) Inter Bank Rate
(e)Swap rate
21. In case of Crystallization of Overdue Export Bills, conversion into Indian Currency
is done using the:
(a) Prevailing TT selling Rate ruling on the day of crystallization
(b) The Original Bill Buying Rate
(c) Whichever of the above 2 is lower
(d)Whichever of the above 2 is higher
22. An agreement to buy or sell currency at the current exchange Rate is known as:
(a) Option (b) Spot Transaction
(c) Hedging d) Forward Transaction
(e)exchange rate
37
23. Crystallization of Overdue Export Bills is done on _____ day after the expiry of
the Normal Transit Period/Notional Due Date:
(a) 30th
(b) 21st
(c) 60th (d) 7th (e) 15th
24. In a Bill of Lading, the shipper is
(a) The Exporter
(b) The shipping Company (c) The shipping Companys Agent
(d) Sellers Bank
(e) Confirming Bank
25. In a Bill of Lading, the consignee is:
(a) The Exporter
(b) The person entitled to take delivery
(c) The shipping company (d) Buyers Bank
(e) none of these
26. Pre-shipment finance is credit granted to the exporters to:
(a) Procure Raw material
(b) Provide a secure warehouse for goods
(c) packing of goods
(d) Ship the goods to the buyer (e) All the above
27. Which of the following is not true for a Bill of Lading:
(a) It is a document of Title
(b) It is issued by the shipping company
(c) It is a valid evidence for possible insurance claim
(d) It must contain the value of the goods
28. What is the present limit under Liberalised Remittance Scheme (LRS) for resident
individuals for any permitted current/capital account transaction?
a. $50,000
b. $75,000
c. $100,000
d. $200,000
e. $250,000
29. What is the maximum limit of Indian currency that a resident individual can hold
while visiting abroad and at the time of return?
a.`5,000/b. `7,500/c. `10,000/d. `25,000/- e. `50,000
30. Baroda Health Insurance Policy is available to
a) Bank of Baroda Account Holder only
b) Account Holder of any Bank
c) To all, whether maintain account with any bank or not
d) Only to Bank employees
31. Maximum sum assured under Baroda Health Insurance Policy is ____
a) `5 lacs b) `10 lacs c) `1 lac d) `3 lacs e) any amount
38
32.The Baroda Health Insurance Policy is issued for a period of ____

a) 12 months b) 36 months c) 60 months d) 120 months e) Whole life
33.Benefits for pre existing diseases are available under the Baroda Health Insurance
Policy after _________ of continuous coverage.
a) 24 months b) 36 months c) 48 months d) 60 months
e)Not covered at all
34.A demat account can be opened in Joint name with maximum
a) 5 holders b) 3 holders c)2 holders d)No Limit
35. Turn over commission for tax collection in physical receipt is `____ and through
e-mode is `____ per transaction
a)50, 12 b) 45, 15
c) 45 for both d) 50 for both e) none
36. Turn over commission for pension payment per transaction is `____
a) 60/b) 50/c) 65/d) 55/e) none
37. The PPF account once opened will be continued at least for ___ years, and can be
extended further for _____ years each time.
a)10, 10
b) 10, 5
c) 15, 5
d) 15, 10
e) max 15 years
38. What is the maximum ceiling of interest income for an individual (not a senior
citizen) to claim TDS exemption by submitting 15(G)?
a.`25,000/b. `50,000/c. `1,00,000/d. `2,00,000/- e. `2,50,000
39. Under PMLA, 2002 who is the Principal Officer?
a. Bank appointed Senior Executive
b. RBI appointed Senior Executive
c. GOI appointed Senior Executive
d. Financial Intelligence Unit (FIU) India appointed official
e. Chairman/ED of a Bank
40. If a customer with low risk category is unable to submit the KYC documents due to
genuine reasons, may be submitted within a period of _____ from the date of
opening account.
a.2 months
b. 3 months
c. 6 months
d. 9 months
e. 12 months
39
41. What is the maximum ceiling for remittance by using NEFT?

a. No maximum limit
b. `50 lacs
c. `50 Cr
d. `100 Cr
e. none
42. Upon processing the RTGS/NEFT transaction, the system shall generate __ digit
number known as UTR.
a) 8
b) 10 c) 11 d) 16 e) 14
43. Our Bank do not have tie-up with the following MF Company for the distribution of
their products in our Bank
a)Sundaram BNP Paribas
b)Kotak Mahindra MF c) IDFC MF
d)ICICI Prudential
e)UTI MF
44. If the cheque is crossed with a word Not Negotiable meansa)The collecting bank should confirm about the genuineness of holder before
collection of his cheque.
b)This crossing restrict further negotiation
c) Collecting bank will not have any protection under section 131 of N.I. Act.
d) A transferee can not get better title than that of a transferor and he can not
transfer better title than he possess
45. Which of the following is payment in due course?
a) crossed cheque paid over counter b) cheque with forged signature of the
bearer
c) Bearer cheque with forged endorsement d) cheque paid after
receipt of garnishee order
e) none
46. Which of the following is not a material alteration?
a)Converting order into bearer b)Converting Special crossing to general crossing
c)Changing the date
d) Crossing the cheque
e) none of these
47. Which of the following is NOT correct in Consumer Protection Act?
a. The Act covers all goods & services including banking
b. Any consumer can file complaint within 2 years from the date of cause of action
c. A person availing services for commercial purpose also covered under the Act
d. Authority for District Forum is a complaint up to `20 lacs.
e. all above are correct
40
48. In case of SARFAESI Act, Bank can file the reply of objection raised by borrower
against the notice within ____ days.
a)7 days
b)10 days
c)15days d)20days
e)30 days
49. Under Banking Ombudsman Scheme, any dispute between banks or bank and its
constituents may be referred to for arbitration provided disputed amount does
not exceed
a)`5.00 lacs
b) `10.00 lacs
c) `20.00 lacs
d) `25.00 lacs e) none
50. What is
a.
b.
c.
d.
e.
Jeevan Pramaan, a recent launch by GOI for the benefit of pensioners?

An insurance scheme
A medical allowance
Digital life certificate
An undertaking for non-marriage
Special allowance for >70 years old
51. For handling the PPF business, the branch is entitled to receive a turnover
commission @ ____ per transaction of Receipt and @ ____ per 100/- calculated
on Payment amount.
a. `40/- & `5.00
b. `45/- & `5.50
c. `50/- & `5.00
d. `50/- & `5.50
e. `60/- & `5.00
52. Filing of FIR is mandatory for cases of detection of counterfeit note of ___ or
more pieces in the branches/chests, in a single transaction.
a. 3
b. 4
c. 5
d. 6
e. 7
53. Foreign students have been allowed a time of _____ for furnishing the proof of
local address
a. 1 month
b. 2 months
c. 3 months
d. 6 months
e. 12 months
54. As per revised guidelines, commitment charges are to be levied in case of non/
under utilization of both FB & NFB working capital limits of ______ & above.
a. `100 lacs
b. `200 lacs
c. `300 lacs
d. `500 lacs
e. `1000 lacs
41
KEY
1
a
11
d
21
a
31
a
41
c
51
d
42
2
c
12
b
22
b
32
a
42
d
52
c
3
c
13
b
23
a
33
b
43
d
53
a
4
c
14
b
24
a
34
b
44
d
54
a
5
c
15
c
25
b
35
a
45
c
6
e
16
a
26
e
36
c
46
d
7
a
17
c
27
d
37
c
47
c
8
b
18
c
28
e
38
e
48
c
9
b
19
b
29
d
39
a
49
b
10
b
20
c
30
a
40
c
50
c
Banking Technology
e-business:
1. Per day ATM transaction limit for Rupay EMV Chip Debit card?
a) `25,000
b) `50,000
c) `1,00,000 d) `2,00,000 e) none
2. Per day ATM transaction limit for Visa EMV Chip Debit card?
a) `25,000
b) `50,000
c) `1,00,000 d) `2,00,000 e) none
3. Per day ATM transaction limit for Mastercard Gold ____
a) `25,000
b) `50,000
c) `75,000
d) `1,00,000
e) none
4. Per day transaction limit at POS for Visa EMV Chip Debit card is ___
a) `50,000
b) `1,00,000
c) `1,50,000
d) `2,00,000
e) none
5. Per day transaction limit at POS for Mastercard Gold is ___

a) `25,000
b) `50,000
c) `75,000
d) `1,00,000/-
e) none
6. RuPay Card was launched by ____

a) IDRBT b) RBI c) NPCI d) IBA e) VISA
7. No. of ATM transactions allowed per day in Rupay/Visa Platinum EMV Chip Debit
Card is ___
a) 4 b) 5 c) 8 d) 10 e) 12
8. Mobile OTP Application (M-OTP), a recent initiative by our Bank is an enhanced
security feature of ______
a. M-Connect
b. Baroda Connect
c. Mobile Snippets
d. M-passbook
e. all the above applications
9. No. of ATM transactions allowed per day in Mastercard Gold is ___
a) 4
b) 5 c) 8 d) 10 e) 12
43
10. Which of the following account holder is eligible for M-Connect facility?
a. Current account in the name of firm (single)
b. Nagrik Bachat Khata
c. NRE account (single)
d. Minor SB account (>14 years of age)
e. All are eligible
11. SB accounts opened under Financial Inclusion scheme for minors above the age of
__ with operational instructions as self can be issued a RuPay PMJDY Debit card
a. 10 years
b. 12 years
c. 14 years
d. 15 years
e. 18 years
12. The amount of penalty payable to customers for non-reimbursement of failed ATM
transaction amount within seven working days is ____.
a) `20/- per day
b) `50/- per day
c) `100/- per day
d) `100 per day from 8th working day of receiving complaint
e) Equivalent to transaction amount
13. Visa Platinum EMV Chip Debit Card issued to a customer can be activated ___
a) Only at our ATM
b) at any POS
c) at any NFS member ATM
d) Only at ATMs with VISA logo e) none of these
14. What is the per day/per transaction limit of fund transfer under NUUP platform
by dialing *99# ?
a.`3,000/b. `5,000/c. `10,000/d. `15,000/e. `25,000/15. Our E-Business Department has been renamed as
a. Transaction Banking Department
b. Electronic Banking Department
c. Net Banking Department
d. Electronic Transaction Department
e. no such change
16. Which of the following transaction options is not available under NUUP platform?
a. Balance enquiry
b. mini statement
c. mobile recharge
d. Request MMID
e. IMPS Fund transfer
44
17. What is the minimum amount per transaction under NUUP platform by dialing *99#
a.`10/b. `50/c. `100/d. `500/e. `1,000/18. Which of the following type of account is NOT exempted from recovery of service
charges for our Debit cards?
a. Staff/ex-staff
b. Senior Citizens
c. Pensioners
d. Current Account
e. No frill/Basic SB account
19.What is the per transaction limit for IMPS P2M transaction for our M-Connect
Users?
a. `10,000/b. `5,000/c. `20,000/- d. `25,000/- e. `50,000/20.What is the per day limit for IMPS P2M transaction for our M-Connect Users?
a.`10,000/- b. `5,000/c. `20,000/- d. `25,000/- e. `50,000/21. IMPS stands for
a) Immediate Payment Service
b) Interbank Mobile Payment System
c) Indian Money Payment System
d) Internet banking Money Payment Service
22. What is the per day transaction limit for Mobile Banking in our Bank?
a) `25,000
b) `40,000 c)`50,000 d) `1,00,000
e) none of these
23.How much minimum amount can be loaded in Baroda Gift Card?
a) `50
b) `100
c) `500 d) `1000
e) none
24.Above the minimum amount, further amount that can be loaded to Baroda Gift Card
in multiples of __
a) `1
b) `10
c) `50
d) `100
e) `500
25.Baroda Travel Easy Card is available in which of the following currencies?
a. USD
b. EURO
c. GBP
d. (a) & (c) Only
e. all a, b & c
45
26.What is minimum load value for the Travel Easy Card?

a. USD200, GBP150, EURO150
b. USD200, GBP200, EURO200
c. USD100, GBP100, EURO100
d. USD500, GBP200, EURO200
e. as requested by the customer
27. Baroda Gift Card can be used for transactions at ___
a) POS only
b) POS & Online purchases c) POS & BoB ATM
e) POS & Online purchases & Bob ATM
d) Any ATM
28. In MoneyGram maximum amount per transaction permissible is equivalent Rupees

of____ per day for a single remittance.
a) $1000 b) $1500
c) $2000 d) $2500 e) $3000
29. Through Xpressmoney any single beneficiary can receive __ transactions in a
Calendar year.
a) 6
b) 10
c) 12
d) 15
e) no such ceiling
30. National Financial Switch is presently handled by ___
a) RBI
b) IDRBT c) NPCI
d) IBA
e) RTGS
31. Baroda Contact Centers are located at ___
a) Delhi & Mumbai b) Mumbai & Baroda c) Baroda & Lucknow d) Baroda & Delhi
e) Hyderabad & Baroda
32. Toll free numbers of Baroda Contact Centers are ___
a) 1800 220 400 & 1800 102 44 55 b) 1800 22 33 44 & 1800 102 44 55
c) 1800 102 44 55 & 1800 102 56 27 d) 1800 22 33 44 & 1800 102 56 27
33. What are the timings for Contact Centre services through IVR ie, without the help
of agent?
a. 6 a.m to 8 p.m
b. 6 a.m to 10 p.m
c. 8 a.m to 8 p.m
d. 8 a.m to 10 p.m
e. Round the clock
46
34. BarodaRemitXpress is an online International Money Transfer Service available

From which of the following countries?
a) USA b) UK c) Euro Zone
d) All the above
35. What are the timings for Contact Centre services through agents and web-chat?
a. 6 a.m to 8 p.m
b. 6 a.m to 10 p.m
c. 8 a.m to 8 p.m
d. 8 a.m to 10 p.m
e. Round the clock
36. Which of the following modes does not allow a customer for Aadhar number
seeding in his/her account?
a) M-Connect b) SMS
c) Baroda Connect d) ATM e) Contact Centre
37. Upon processing the transaction of Xpressmoney, the system which shall generate
__ digit numeric numbers known as XPIN.
a) 8 b) 10 c) 12
d) 14
e) 16
38. Baroda e-Gateway processes _____ transactions.
a) Internet Banking transactions
b) Mobile Banking transactions
c) Visa & Master Card transactions d) All e-banking transactions
e) Baroda Cash Management Services (BCMS)
39. Baroda Cash Management System has ___ fund management modules.
a) 2 b) 3
c) 4 d) 5 e) 6
40. ASBA facility is to facilitate the customer to
a) Tax payment online b) School fee payment c) Investment in Company Shares
d) A facility to Corporate customers for fund management
e) none of these
41. What is the minimum period that can be opted for investment in FDR through our
Baroda Connect (Internet Banking) facility?
a) 7 days
b) 15 days
c) 46 days
d) 181 days
e) 12 months
47
42. What are the services available for a customer under Baroda SMS Banking
facility by sending an SMS to 5616150
a. Balance Enquiry
b. Mini Statement
c. Cheque Status
d. All the three (a), (b) & (c)
e. only (a) & (b)
43. Which one of the following is not a fund management module under BCMS
a. Collection
b. Payment
c. Liquidity Management
d. Financial management
e. (a) & (b)
44. Which of the following transactions in a Cash Credit Account gives an SMS alert?
a. cheque return transactions (inward & outward) irrespective of amount
b. debit/credit transactions for `1.00 lac and above
c. debit/credit transaction for `50,000/- and above
d. (a) and (b) only
e. (a) and (c) only
45. What are the currencies that are involved in Baroda RemitXpress?
a. USD
b. GBP
c. EURO
d. only (a) & (b)
e. All (a), (b) & (c)
46.What is the maximum & minimum amount that can be remitted through Baroda
RemitXpress?
a. Minimum 50 and Maximum 5000 USD/GBP/EURO
b. Minimum 50 and Maximum 2500 USD/GBP/EURO
c. Minimum 100 and Maximum 2500 USD/GBP/EURO
d. Minimum 100 and Maximum 5000 USD/GBP/EURO
e. Any amount as per customers request subject to FEMA guidelines
47. What type of Banking services made easy with the help of Unstructured
Supplementary Services Data (USSD)?
a.E-Gateway
b.Mobile Banking
c.Net Banking d. All ADCs e. None
48. Which is real time and session oriented platform for Mobile Banking transactions?
a. RTGS
b. NUUP
c. Baroda E-gateway
d. NEFT
e. NPCI
49. NUUP provides certain basic banking services, which does not include
a. Account balance enquiry b. Mini Statement c. IMPS fund transfer
d. mPin change e. cheque payment status
48
50. What is the per transaction & per day limit for third party fund transfer for a
Retail User in our Baroda Connect?
a.`2.00/`4.00 lacs
b. `2.00/`5.00 lacs
c. `3.00/`5.00 lacs
d.`1.00/`3.00 lacs
e. `4.00/`4.00 lacs
51. What is the maximum amount that can be remitted through NEFT/RTGS per
transaction through Baroda Connect by a Retail User?
a) `1.00 lac
b) `2.00 lacs
c) `3.00 lacs
d. `4.00 lacs
e. `5.00 lacs
52. Which of the following facilities is not presently available in our Baroda Connect?
a. investment in FDR
b. investment in shares through ASBA
c. IMPS fund transfer through NEFT instantly
d. instant third party fund transfer after registration
e. opening of RD account
53. What is the minimum & maximum amount ceiling per transaction in our bank for
fund transfer under Aadhar Enabled Payment System (AEPS)?
a. `100/- & `5,000/b. `100/- & `10,000/c. `10/- & `5,000/d. `10/- & `10,000/e. `10/- & `49,000/54. Which is not true with respect to our Cash Deposit Machine/Bunch Note Acceptor
(BNA)
a. Denominations acceptable are `100, `500 & `1000
b. Available only to customers of our Bank
c. Debit card is mandatory to deposit the cash
d. Other services at BNA are Balance Inquiry, PIN change and Mini Statement
for our Banks/other Banks Debit card holders
e. Maximum limit of cash deposit per day is `2.00 lacs (except C/C account)
55.What is the per transaction/per day limit without debit card in our Cash Deposit
Machine?
a. `10,000/b. `15,000/c. `20,000/d. `30,000/e. `49,900/-
49
56. What beneficiary details are sufficient for a customer to affect an IMPS
remittance through M-Connect (Person to Person)?
(1) Mobile number (2) MMID (3) Account Number (4) IFSC
a. only (3) & (4)
b. only (1) & (2)
c. (1), (3) & (4)
d. only (3) & (4)
e. all (1) (2) (3 & (4)
57. What is the per transaction limit for NEFT transaction through our ATM for BOB
Customer?
a. `10,000
b. `15,000
c. `25,000
d. `50,000
e. `1,00,000
58. In Baroda connect, how many beneficiaries can be registered in one day?
a. 5
b. 3
c. 2
d. 1
e. any number
59. What is the maximum amount ceiling per transaction in our bank for cash
withdrawal & cash deposit under Aadhar Enabled Payment System (AEPS)?
a. `5,000/- & `50,000/b. `10,000/- & `50,000/c. `5,000/- & `49,000/d. `10,000/- & `49,000/e. `10,000/- & `49,900/60. PAM is one of the security Measures used in online banking where the user can
confirm the authenticity of the website. What is PAM stands for?
a. Personal Acceptance message
b. Personal Assurance Message
c.Permanent Acceptance Message
d. Personal Assurance Media
e.Personal Acceptance media
50
CBS-Finacle & General IT

1. Whether branches can entertain the claims from customers for short interest
payment after closure of their FDR/SDR a/cs in Finacle? If yes, how?
a. Data Centre relaxes the parameters on specific request
b. no such request can be entertained and the concerned staff will be
accountable
c. Branches to give suitable explanation for the mistake to their respective RO
on verifying which RO will take up with DC to relax the parameters
d. TWO separate Heads were opened in Finacle for FDR/SDR manual interest
payment, which should be used after proper authority from RO
e. None of these
2. What are the guidelines to be followed by the branches in case of a claim from
the customers for short interest payment after closure of their FDR/SDR a/cs
in Finacle?
a. To take permission from RO for the claims above `5,000/b. Branch Head will permit for the claims below `5,000/c. After passing the entries in the newly introduced manual interest payment
heads, branches to generate a report and to submit to RO alongwith a
certificate
d. All the above
e. None of the above
3. Menu Option for attachment of Stock/Book debts in a CC account
a.ACLM
b.HCLM
c.SBIC
d.HACLHM
e. none
4. Menu Option for Loan Overdue position enquiry a.CLSLAA
b.HLAUPAY
c.HLAOPI
d.HACLHM
5. How to generate Intersol Transaction Report?
a.ISTR
b.INSR c.SITR
d.INTRP e. none
6. How to generate Loan Repayment Schedule?
a.LRPT
b.LARSH
c.HLARPT
d.LPRST
51
e. none
e. none
7. How to generate Loan Overdue Letter?

a.LAODR
b.LODLR
c.LAODL
d.LAODUL
8. How to generate TDS Report?
a.TDSRPT
b.TDSREP
c.TDRPT
e. none
D.TDSRT e.TDSDRPT
9. What is the menu for Interest table code inquiry?

a.ITCI
b.INTCIQ c.INTCI
d.INTTINQ
e.none
10. For sending customer request for Baroda Connect/Debit Card/Mobile Banking
what is the common menu introduced in CBS?
a.HUPM
b.HDCR
c.HTMREQ
d.REGPW
e.no common menu
11. What is the menu for Limit Node inquiry?
a.LNI
b.LTNDINQ
c.LTNI d.LTNINQ
e.none
12. How to make inquiry in Finacle On TOD granted?

a.TODSN
b.HTODCS
c.HTODSAN d.TODSAN
13. What is the menu available for Loan general inquiry?
a.HLAGI
b.HLGINQ
c.HLAINQ
d.HLAGIN
e.HTODSCTD
e.HLGINQ
14. How to get a report of customers without Debit Card & Baroda Connect?
a.CSWDBBC b.CWBDF c.CSWBDF d.CSWDBC e.none
15. IN 16 digit UTR No. which of the following is false?
a. First four digits represent bank code
b. 5th digit represent message code
c. 6th n 7th digit represent year
d. 8th to 10th represent Julian date
e. Last five digits are running numbers
52
16. Where to generate KYC Compliance Report in Finacle (BOBMENU-Misc Down

loads)?
a.In the Operations Server with any user ID & PW of the branch
b.In the Reports Server with any user ID & PW of the branch
c. In the Reports Server with EOD ID & Pass Word
d. In the Reports Server with BH ID & PW
e. none of these
17. How to generate overdues/CADU amount in various Loan accounts?
a.LAODRT b.LAODRPT
c.ODCADURPT d.ODCADURT e. none
18. Which of the following Act gives legal recognition to a digital signature:
a) Negotiable Instruments Act b) Income Tax Act c) Indian Evidence Act
d) Information Technology Act e) Indian Contract Act
19. Under CTS, after the capture of the image, the physical cheque would be
a) warehoused with the presenting Bank
b) warehoused with the collecting Bank
c) returned to the customer
d) warehoused with the Clearing House
e) warehoused with RBI
20. Information Technology Act was introduced in the year __
a) 1996
b) 2000 c) 2004
d) 2002 e)2001
21. NetCast is a utility for
a) Net Banking transactions
b) E-gateway module
c) Centralised generation of CBS Reports d) only (a) & (b)
e) none
22.What is the newly introduced menu option under Finacle for verification of existing
customer IDs before creating a new one, thereby to prevent generation of
duplicate customer IDs
a. CUSTID b. FINDCUST c. UCIC d. FINCUSTID e. FINDCUSTID
53
23.Which one of the following is not a basis under which the existing customer will be
searched in Finacle through FINDCUST option?
a. PAN b. Date of Birth c. Pass Port number d. Voter ID number
e Mobile number
24.RMENU option has been recently introduced for lodging request for relaxation of
certain parameters at the branch level. This of the following is permitted at
present out of the following
(i)
INTTM A/c preferential interest credit (FDRs)
(ii)
INTTM Start date relaxation (changing ROI in loan/OD/CC prior to -6months)
(iii) Back value dated TM (credit or debit)
a. Only (i) b. Only (ii) c. (i) & (ii) only d. all (i) (ii) & (iii) e. (ii) & (iii) only
25.A very important guideline while passing an inter-sol transaction is to obtain
confirmation from base branch in case of high value transactions ie, Cheque for
_____ and above
a. `50,000/b. `1.00 lac c. `2.00 lacs
d. `5.00 lacs e. none of these
26.Branches are supposed to scan through all new accounts opened as preventive
measure. Which menu option can be used to generate a report contains all new
accounts opened
a.NEWACRPT
b. NEWACTR
c. GRNEWAC
d. NEWACINQ
e.NEWACRP
27. The menu option used in CBS for linking of Account number with Aadhaar number
a.ANLKAC
b. APBSLN
c. ACLNPR
d. HRACLN
e. HACLNK
28. Which menu option is used at branch for registration of Mobile banking a. HMBRR
b. MOBUPLD
c. MOBREGST
d. MDCR
e. HDCR
29. How to generate TDS Report including TDS deducted in NRO accounts and also
closed accounts?
a.TDSRPT
b.TDSREP
c.TDSIP D.TDSRT e.TDSDRPT
54
30.Confirmation from base branch to be obtained in case of high value transactions ie,
cheque for _______ and above.
a. `1 lac
b. `2 lacs
c. `3 lacs
d. `4 lacs
e. `5 lacs
31.What is the objective of DEAF Scheme 2014?
a. It is related to Debt Relief in Rural branches
b. It is related to KYC Compliance in the deposit accounts
c. It is related to operational guidelines for unclaimed deposits
d. It is a special scheme announced for the physically challenged
e. Special scheme by DICGC protecting the depositors interest
32. What is the menu option for opening of new accounts in Finacle which will
prompt the user to search whether the proposed customer is already having any
customer ID?
a. OPENACCT
b. FINDCUST
c. HOPNACCT
d. MERGCUST
e. HOACCT
33. What is HDORSEL menu option recently introduced in Finacle?
a. List of Dormant accounts
b. List of Inoperative accounts
c. List of SB accounts opened under Salary Advantage account but remained in
Dormant stage
d. List of unclaimed SB & CA deposits for a period of 10 years
e. List of unclaimed SB deposits for a period of 10 years
34. MMID is a ___digit number
a)5
b) 6
c) 7
d) 10
55
e) 16
KEY
E-business
1
2
c
c
11
12
a
d
21
22
a
c
31
32
c
b
41
42
e
d
51
52
e
d
3
b
13
c
23
c
33
e
43
d
53
b
CBS-Finacle & General IT

1
2
d
d
8
9
b
a
15
16
e
c
22
23
b
d
29
30
c
b
56
4
d
14
b
24
a
34
d
44
d
54
c
3
b
10
b
17
b
24
c
31
c
5
d
15
a
25
e
35
b
45
e
55
c
6
c
16
c
26
a
36
a
46
a
56
b
4
c
11
a
18
d
25
c
32
c
7
d
17
a
27
b
37
e
47
b
57
d
5
a
12
b
19
a
26
b
33
d
8
b
18
d
28
d
38
c
48
b
58
c
9
b
19
d
29
c
39
b
49
e
59
d
6
b
13
a
20
b
27
b
34
c
10
a
20
E
30
c
40
c
50
a
60
b
7
a
14
b
21
c
28
e
Rural Banking
1. As a prudential measure by RBI, it has been decided to prescribe a Loan to Value
(LTV) ratio of not exceeding __ for banks lending against gold jewellery/ ornaments.
a. 65%
b. 70%
c. 75%
d. 80%
e. none
2. In Agri Clinic & Agri Business the Margin requirements up to credit limit of `5 lacs
are
a) 10% b) 15% c) 25% d) No Margin Required.
3.Outer ceiling for a project to be financed to a group & an individual under AgriClinic & Agribusiness are
a) `25 lac, `5 lac b) `100 lac, `20 lac c) `50 lac, `10 lac d)`200 lac, `25 lac
4. Joint Liability Group is related to
a) Top corporate customers
b) High worth Individuals
farmers with very small means
c) A group of 4 to 10
d) None of the above
5. To promote financial inclusion Bank has taken which of the following steps
a) No Frill account- Basic SB Account
b) Baroda Kisan Group Loan- Joint Liability Group
c) Baroda General Credit Card
d) All above
6.In case of Self Help Group the maximum CCL can be sanctioned (by a MMGS-III
officer) up to
a) 4 times of Corpus Fund maximum up to Rs 3 lac
b) Double the corpus fund
c) 10 times of corpus fund maximum up to Rs 5 lac
d) No linkage with the corpus fund
57
7.What is the percentage of target for loans to weaker sections in our Priority Sector
guidelines?
a)10% of ANBC
advances
(b) 20% of ANBC
(c) 10% of PS total target
(d) 10% of total
(e) none
8.Before sanction of loan a SHG is graded on 10 parameters. The SHG having minimum--------% marks will be eligible for finance.
a) 40%
b)50%
c) 60%
d) 65%
e) No such criteria
9. In BKCC three loyalty benefits are extended to farmers having more than 3/5
years association & satisfactory conduct of account
a) 0.25 / 0.5% Concession in rate of interest
b) 25% / 35% of Crop Production Limit Max 50000 as Family Maintenance
c) Silver or gold card depending upon the satisfactory track record of more than
3/5years of association
d) All above
10. Under New BKCC the farmers can be granted minimum loan of
a) `25000 b) `1000
c) `10000
d) `5000
e) `3000
11. Under New BKCC the farmers are eligible for maximum loan of
a) `10lac b) `25 lac
c) `100 lac
d) `50 lacs
e)No Ceiling (But as per DLP of sanctioning authority)

12. What is the maximum ceiling under Baroda Kisan Tatkal Loan Scheme?
a)`25,000/- b) `50,000/c) `75,000/d) `1,00,000/e) `1,50,000/13. In new BKCC under Investment Line of Credit the farmer can be granted personal
loan up to a limit of
a) `1 lac b) `2 lac
58
c) `0.50 lac d) No personal loan can be granted
e) none
14.What is the validity period of new BKCC?

a) 1 year b) 3 years c) 5 years d) 7years
e) no such duration
15. Under new BKCC the maximum amount of Loan under Investment line of Credit
should not exceed ______
a) 60% value of land & 100% value of other liquid securities
b) 75% value of land & 100 % value of other liquid securities
c) 100% value of land & other liquid securities
d) Maximum 10 lac -Not linked to securities
16.In case of DRI advance the income criteria for eligibility is
a) Rural & Semi Urban `6400, Urban `7200
b) Rural `18000, Semi Urban/Urban `24000
c) `18000 in all areas
d) `24000 irrespective of area
e) none
17. In case of new tractor loan sanctioned to a farmer the minimum & maximum
repayment period as stipulated in the scheme is
a)5 yrs & 7 yrs
b)6 yrs & 9 yrs c)3 yrs & 10 yrs
d)4 yrs & 8 yrs
18. Export Credit is a separate category under Priority Sector, if

a. Export Credit is extended upto a limit of Rs.20 lacs
b. Export Credit extended by all the foreign banks operated in India
c. Export Credit extended by foreign banks with less than 20 branches
d. Export Credit is not a separate category under PS
59
19. Which of the following is classified as an Indirect Agriculture?

a. Loans to Agri-clinic and Agribusiness Centres
b. Loans for bee-keeping and sericulture
c. Tractor Loan
d. Sheep rearing
e. Dairy
20. What is the Insurance Coverage for natural death of a member of SHG under
Janashree Bima Yojana?
a. `10,000 b. `20,000
c. `30,000
d. `50,000 e. `1.00 lac
21. What is the PS lending target for Foreign Banks working in India?
a. 32% of ANBC for the banks having more than 20 branches
b. 32% of ANBC for the banks having less than 20 branches
c. At par with domestic banks irrespective of number of branches
d. No such targets stipulated for foreign banks in India
22. What is the initial OD limit given in No Frill SB a/c in the branches identified for
Financial Inclusion?
a. `500/b. `250/c. `1000/- d. `200/- e. `5000
23. What is the housing loan limit by Hsg Projects per dwelling unit to economically
weaker sections to be classified as PS?
a. `10 lacs
b. `15 lacs
c. `20 lacs
d. `25 lacs
24.Present limit of loans to farmers against pledge/hypothecation of agriculture
produce (including warehouse receipts) for a period up to 12 months
a. `5 lacs
b. `10 lacs
c. `25 lacs d. `50 lacs e. none
25.Present limit of loans to dealers/sellers of fertilizers, pesticides, seeds, cattle/
poultry feed & agriculture inputs
a. `50 lacs
b. `1.00 Cr
c. `5.00 Cr
d. `2.00 Cr e. none
26.The limit of bank loans to Micro & Small Enterprises (Services) has been
increased to _______ per borrower/unit, provided they satisfy the investment
criteria for equipment as defined under MSMED Act, 2006.
a. `2.00 Cr
b. `5.00 Cr c. `4.00 Cr d. `10.00 Cr e. none
60
27.What is our new product Baroda Swabhimaan Suraksha?

a. A new SB Product with in-built Life Insurance facility
b. An insurance product for the pensioners
c. A micro insurance product under Financial Inclusion
d. An insurance product for the beneficiaries under Baroda Swavilamban
e. None of these
28. SHGs corpus will consist of
a. Group Balance in SB account
b. amount internally lent & interest received thereon
c. any grant/donation received by group
d. amount held as cash with the authorized person
e. all the above
29. What is the maximum Clean Lending Power for an SHG?
a. `3.00 lacs
b. `4.00 lacs
c. `5.00 lacs
d. `2.50 lacs
e. none
30. Out of total housing loan granted by the branch which one will be classified as
priority sector under revised Priority Sector Policy
a) housing loan limit up to `25 lacs irrespective of the area
b) housing loan limit up to `15 lacs in other than metropolitan centre
c) housing loan limit up to `25 lacs in metropolitan centre with Population more than
10 Lacs
d) Both b & c
e) housing loan limit up to `20 lacs irrespective of the area
31.The ideal size of an SHG group is
a. 10-15 members
b. 10-20 members
e. no such ideal size
c. 10-25 members
d. 5-15 members
32. What is the maximum loan amount that can be financed for purchase of 2nd hand
tractor?
a.`2.00 lacs b.`3.00 lacs
c. `4.00 lacs
d. `5.00 lacs e. as per valuation
33.What is the agriculture loan limit upto which no stipulation for margin in in our
Bank?
a.`1.00 lac
b. `0.50 lacs
c. `2.00 lacs d. `3.00 lacs e. no such ceiling
61
34.Upto what limit no prior approval from next higher authority is required in case of
takeover of agriculture advance to individual borrowers?
a.`5.00 lacs b.`2.00 lacs c. `10.00 lacs d. as per DLP, no prior approval e. none
35. Which of the following is correct in respect of project cost in PMEGP?
a) For manufacturing unit Rs.25 lacs. For service / business units Rs.10 lacs
b) For manufacturing unit Rs.15 lacs. For service / business units Rs.10 lacs
c) For manufacturing unit Rs.25 lacs. For service / business units Rs.15 lacs
d) For manufacturing unit Rs.25 lacs. For service / business units Rs.25 lacs
36. What is the minimum number of farmers required to form a Farmers Club?
a. 5
b. 4
c. 10
d. 15 e. 6
37. What is the amount of life insurance cover to the beneficiary under PMJDY
Scheme?
a) `20,000/b) `25,000/c) `30,000/d) `50,000/- e)`1,00,000/38. Interest subsidy housing loan scheme for EWS/LIG segments in urban areas
which is in operation since October 1st, 2013 is known as
a. Indira Awas Yojana
b. Interest subsidy scheme for Housing the urban poor (ISHUP)
c. Rajiv Rinn Yojana (RRY)
d. Indira Awas Vikas Yojana
e. None of these
39. What is the minimum & maximum limit that can be sanctioned under BGCC?
a) `1,000 & `25,000
b) `1,000 & `50,000
d) `3,000 & `50,000
e) `5,000 & `25,000
c) `3,000 & `25,000
40. What is the validity period of BGCC?

a) 2 years
62
b) 3 years
c) 4 years
d) 5 years e) None of the above
41. Which of the following is not true regarding BGCC scheme?

a. For Women applicants, 0.50% concession in interest rate
b. For Women applicants, 1.00% concession in interest rate
c. If credit balance available, interest will be paid @ saving bank
d. No Processing charges and Documentation charges
e. All the borrowers to be covered under PAIS (Personal Accident
Insurance Scheme) up to `50,000/42. What is the maximum loan limit to an individual tenant farmer/share cropper
under our Baroda Kisan Group Loan Scheme (Joint Liability Group)?
a) `10,000/-
b) `25,000/-
c) `50,000/-
d) `1,00,000/-
e) `1,50,000/43. What is the maximum loan limit to a JLG under our Baroda Kisan Group Loan
Scheme?
a) `1,00,000/-
b) `2,00,000/-
c) `5,00,000/-
d) `8,00,000/-
e) `10,00,000/-
KEY
1
c
10
b
19
a
28
e
37
c
2
d
11
e
20
c
29
c
38
c
3
b
12
d
21
b
30
d
39
a
4
c
13
a
22
b
31
b
40
d
Wish you all Good Luck..dear Barodians

Team Baroda Academy, Bengaluru
63
5
d
14
c
23
a
32
a
41
b
6
c
15
b
24
d
33
a
42
d
7
a
16
b
25
c
34
a
43
e
8
c
17
b
26
b
35
a
9
d
18
c
27
c
36
c

Promotion Test Refresher 2015 PDF

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PROMOTION TEST

A Compilation by Baroda Academy, Bengaluru

2.Our Banks share in Domestic CASA deposits as of 31.03.14

d. 3.10% & 1.88% e. none

4.Our Banks Net Profit for the F/Y 2013-14?

11. The number of Retail Loan Factories as on 31.03.15?

22. What is the global deposit figure of our Bank as of 31.03.14?

16.Minimum Quarterly Average Balance to be maintained in Gen-Next Junior Savings

c.Term Deposit Product

daily outstanding balance in the account and is paid on quarterly basis

42. Waiver of processing charge on retail loans is available for

43. Baroda Centenary Savings account can be opened in

(d) Partner of a firm

81. Baroda SME Gold Card is issued for a period of ____

92. Current assets are those assets which are

94. Net worth means

97. Other name for cash profit is

98. The total of current assets is known as a. Net working capital

c.Working capital gap

As per Recovery Policy 2014, Bank calculates notional recoverable dues

What are the guidelines for periodicity of inspection of prime

What is the classification in case of new infrastructure and real estate

Documents related to advance sanctioned should be vetted by Law

Monthly Monitoring Reports are to be submitted in all accounts with

Which of the following requires activity clearance from Corporate Office

Stock/Book Debt Audit is to be carried-out compulsorily in all accounts

117. Corporate Debt Restructuring (CDR) can be undertaken in respect of

8. In a LC Transaction, Applicant is:

32.The Baroda Health Insurance Policy is issued for a period of ____

41. What is the maximum ceiling for remittance by using NEFT?

Jeevan Pramaan, a recent launch by GOI for the benefit of pensioners?

5. Per day transaction limit at POS for Mastercard Gold is ___

6. RuPay Card was launched by ____

26.What is minimum load value for the Travel Easy Card?

28. In MoneyGram maximum amount per transaction permissible is equivalent Rupees

34. BarodaRemitXpress is an online International Money Transfer Service available

b. Personal Assurance Message

c.Permanent Acceptance Message

d. Personal Assurance Media

e.Personal Acceptance media

CBS-Finacle & General IT

7. How to generate Loan Overdue Letter?

9. What is the menu for Interest table code inquiry?

12. How to make inquiry in Finacle On TOD granted?

16. Where to generate KYC Compliance Report in Finacle (BOBMENU-Misc Down

CBS-Finacle & General IT

a) 10% b) 15% c) 25% d) No Margin Required.

b) High worth Individuals

farmers with very small means

d) None of the above

(b) 20% of ANBC

(c) 10% of PS total target

(d) 10% of total

e)No Ceiling (But as per DLP of sanctioning authority)

c) `0.50 lac d) No personal loan can be granted

14.What is the validity period of new BKCC?

b)6 yrs & 9 yrs c)3 yrs & 10 yrs

d)4 yrs & 8 yrs

18. Export Credit is a separate category under Priority Sector, if

19. Which of the following is classified as an Indirect Agriculture?

27.What is our new product Baroda Swabhimaan Suraksha?

b) `1,000 & `50,000