Final Compilation

PART-1
1. Min QAB of super savings account for metro branches?
Ans 20000/-
2.Non maintenance charges of QAB of super savings account?
Ans.1000+GST
3. What is the linked FFD account scheme code of Super savings account?
Ans. TD110
4. What is the period of FFD in super savings account?
Ans. 181 days
5. What is the threshold limit of AutoSweep in super savings account?
Ans. 50000/-
6.AutoSweep of super savings happens on which day of the week?
Ans. Monday
7.Upto what limit immediate credit of outstation cheque allowed in super savings
account?
Ans. 25000/-
8.What is the scheme code of Baroda super savings account?
Ans. SB117
9. What is the scheme code of Baroda Capital Gain 1988 Scheme?
Ans. SB121
10. What is the ceiling of amount deposited or held in Baroda Capital Gain
Scheme account?
Ans. No such Ceiling
11. What is the Salary band range applicable to Baroda Salary Classic account?
Ans. Rs 10000/- to Rs 50000/-
12. What is the salary band range applicable to Baroda Salary Super account?
Ans. Rs 50000 to Rs 100000/-
13. What is the Salary band range applicable to Baroda Salary Premium account?
Ans.Rs 100000- Rs 200000/-
14. What is the Salary band range applicable to Baroda Salary Privileged account?
Ans. Rs 200000 & above
15. What is the threshold limit of AutoSweep in Baroda Salary Classic account?
Ans. Rs 50000/-
16. What is the threshold limit of AutoSweep in Baroda Salary Super account?
Ans. Rs 100000/-
17. What is the threshold limit of AutoSweep in Baroda Salary Premium account?
Ans. Rs 200000/-
18. What is the threshold limit of AutoSweep in Baroda Salary Priviledge account?
Ans. Rs 200000/-
19. What is the limit of immediate collection of outstation cheques in Baroda

Salary Priviledge account?
Ans. Rs 20000/-
20. What is the maximum in built overdraft available in Baroda Salary Super
account?
Ans. Rs 50000/-
21. What is the maximum in built overdraft facility available in Baroda Salary
Super account?
Ans. Rs 100000/-
22. What is the maximum overdraft facility available in Baroda Salary Premium
account?
Ans. Rs 200000/-
23. What is the maximum in built overdraft facility available in Baroda Salary
Privilege account?
Ans. Rs 300000/-
24. What is the limit of Air Accidental coverage of Baroda Salary Premium
account?
Ans. Rs 50 lac
25. What is the limit of Air Accidental coverage of Baroda Salary Super account?
Ans. Rs 15 lac
26. What is the waver in processing charges of housing loan of Baroda Salary
Privilege account?
Ans. 100% subjected to recovery of Rs 7500/- as out of pocket expenses of per

property to be mortgaged.
27. What is the built form of MACT in Baroda MACT claims SB account?
Ans. Motor Accident claims Term Deposit.

28. What is the scheme code of Baroda Mahila Shakti SB account?
Ans. SB 181
29. What is the QAB of Baroda Senior Citizen Priviledge account in Urban/ Metro
Branches?
Ans. Rs 3000/-
30. What is the QAB of Baroda Mahila Shakti SB account in rural branches?
Ans. Rs 1000/-
31.What is the QAB of Baroda Mahila Shakti SB account in Urban/Metro

Branches?
Ans. 3000/-
32. What is the scheme code of Baroda Senior Citizen Privilege SB account?
Ans. Rs SB 180
33. What is the threshold limit of Auto Sweep in Baroda Senior Citizen Privilege SB
account?
Ans. Rs 50000/-
34. What is the threshold limit of Auto Sweep in Baroda Mahila Shakti SB account?
Ans. Rs 50000/-
35. What is the Accidental insurance coverage available with Baroda Rupay
Platinum debit card in Baroda Mahila Shakti SB account?
Ans. Rs 200000/-
36. What is the scheme code of Baroda MACT claims SB account?
Ans. SB 178
37. What is the scheme code of Baroda Govt Bodies/Corporate etc SB account?
Ans. SB 129
38. What is the threshold limit of Auto Sweep in Baroda Govt Bodies/Corporate
etc SB account?
Ans. Rs 500000/-
39. What is the maximum credit allowed in a financial year in Baroda SB account?
Ans. Rs 100000/-
40. Maximum balance in Baroda no frill account should not exceed?
Ans. Rs 50000/-
41. What is the scheme code of Baroda SB SHG- General Savings account?
Ans. SB 131
42. What is the QAB of Baroda Centenary Savings account?
Ans. Rs 10000/-
43. What is the threshold limit of AutoSweep in Baroda Centenary Savings

account?
Ans. Rs 10000/-
44. What is the ceiling of outstation cheques credit in Baroda Centenary Savings
account?
Ans. Rs 25000/-
45. Scheme Code of Baroda Centenary Savings account?
Ans. SB 125
46. What is the scheme code of Baroda Basic Savings bank Deposit account?
Ans.SB 124
47. What is a type of Savings account which remains permanently active & never
becomes dormant?
Ans. Baroda Govt Scholarship/DBT account (SB 138)
48.What is a type of SB account that would be opened without officially valid

document (OVD)?
Ans. Baroda Small SB account (SB 136)
49. What is the withdrawal ceiling in a month in Baroda Small SB account?
Ans. Rs 10000/-
50. What is the scheme code of Baroda home linked SB account?
Ans. SB 152
51. What is the scheme code of Baroda Champ SB account?
Ans. SB 156
52. What is the ceiling of maximum account that can be kept in Baroda Champ
account?
Ans. Rs 100000/-
53. What is the scheme code of Baroda Platinum SB account?
Ans. SB 171
54. What is the threshold limit of AutoSweep in Baroda in Platinum SB account?
Ans.Rs 200000/-
55. What is the QAB of Baroda Platinum SB account?
Ans. Rs 100000/-
56. Upto what amount immediate credit outstation cheque allowed in Baroda
Platinum SB y?
Ans. Rs 50000/-
PART-2
1. Baroda Connect customers are classified as

 a)Retail
 b)Corporate
 c)Both
2. When Baroda connect was launched?
 14 Sept 2006
 14Oct 2006
 18 Aug 2005
 None
3. Can we register for Pradhan Mantri Bima Yojana through Baroda Connect?
 Yes
 No
4. Baroda Connect uses ---------- bit encryption.
 128
 129
 138
 125
5. How many service centres are available for Baroda Connect in India?
 5000
 4500
 4000
 500
6. Sovereign gold bonds can be purchased online using Baroda Connect.
 True
 False
7. DOB is mandatory for issuing net banking for :
 Retail Customers
 Corporate Customers
 Both
 None
8. Resolution is mandatory for issuance of net banking facility for Pvt/Public Ltd
companies.
a) True
b) False
9. Whose signature is sufficient for application of net banking by Public/Pvt ltd

companies?
 Authorised Signatory
 ED
 MD
 Accountant of the company
10. Through --------- menu branches can track the passwords by entering the
customer id of the corresponding corporate customers only.
 BCPD
 HBDTM
 MRCR
 ACUID
11. HBDTM menu is used for……….. Pertaining to a customer.
 customers personal information

 account related information
12. The term green password is used in Baroda Connect
 Yes
 No
13.If mobile number and email ids are registered then green password can be
generate by…….
 Retail customers
 Corporate Customers
14. Finacle menu for updating mobile number of corporate customers.
 MOBUPLD
 CUSTMOB
 UCCM
 MCCL
15. Finacle menu for creating customer id of Corporate customers
 CUSTMOD
 HBDTM
 ACUID
 ACIUD
16. Net Banking Facility can be provided to NRI customers.
 True
 False
17. The request entered by branches are processed at BCOT level on the next
working day.
 True
 False
18. Online generation and dispatch of passwords for retail customers have been
discontinued from :
 06.09.2019
 03.09.2019
 05.09.2019
 01.09?2019
19. Helpline for baroda connect users
 18002584455
 18001024455
 Both a and b
 None
20. Facilities available in Baroda connect :
a) online linking and credit to sukanya samriddhi account

b) Online viewing of ekvp
c) FATCA/EPFO payment
d) Online linking and credit to ppf
 Only a
 b and c
 b and d
 all : a b c d
21. What is the transaction limit of NEFT/RTGS of retail customers through Baroda
connect
 10lacs
 15lacs
 20lacs
 5lacs
22. What is the transaction limit of NEFT/RTGS of corporate customers through
Baroda connect
 25lacs
 15lacs
 20lacs
 22lacs
23.How many languages are available in Baroda M connect Plus?
 12
 13
 14
 15
24. Which Android version is required for Baroda m connect plus?
 4.5 and above

 9.0 and above
 8.0 and above
 None
25. What is the maximum number of beneficiaries that can be added by corporate
customers through baroda connect/net banking per day?
a) 12 b) 15 c)18 d)20
26. What is the maximum number of beneficiaries that can be added by retail
customers through baroda connect/net banking per day?
a) 7 b) 8 c) 9 d)10
PART-3
1.What is the primary eligibility of bkcc tatkal loan?
Ans: existing bkcc customer.
2.What are types of facilities available under tatkal loan?
Ans: term loan/overdraf
3.Max repayment period for term loan under tatkal loan?

Ans: 84 months.
4.what is the max limit under bkcc without any collateral security?
Ans: 1.6 lacs.
5.What is the max limit under food and agro based unit in our bank?
Ans: 50 cr.
6. For take over of loan what are min rating are required?
Ans: internal rating BOB6
External rating BBB.
7.what are the min and Max overdraft limit under food and agro processing unit?
Ans: min 10 lacs
Maximum 100 lacs(rural)
300 lacs(semi urban)
400 lacs(urban &metro).
8.What is age limit for availing gold loan ?
Ans: 18 to 70 yrs.
9. what is the max limit of gold loan for an individual?
Ans: 25 lacs.
10.What is the margin required in gold loan?
Ans: 25%.
11. What is the repayment period of gold loan?
Ans: 12 months.
PART-4
How many point vision in the last Budget (2018-19)- 10 points
2. What’s the slogan for the last budget- Minimum Government Maximum
Governance ( Jan Bhagidari)
3. Blue economy is related to - Water, Water Management and Clean Rivers
4. Name of the Policy for Well-nourished women, children and safety of citizens-
Ayushman Bharat
5. Emphasis of Make in india programme for- MSMEs, START UPS, DEFENCE

MANUFACTURING, AUTOMOBILES, ELECTRONICS, FABS AND BATTERIES, MEDICAL
DEVICES.
6. Target for the current year- 3 trillion dollar economy
7. Target for future- 5 trillion dollar economy till 2025
8. Need of investment is required for-
a) Infrastructure
b) Digital economy
c) Job Creation in small and medium economy
9) Mudra Loans is meant for- ease of doing Business
10) What is Pradhan Mantri Karam Yogi Maandhan Scheme-
a) Pension benefits for about 3 Crore retail traders for turnover of less than Rs 1.5
Crore
b) Easy method of payment platform for bills and thereof
11) What’s the Amount allocated and interest % subvention- Rs 350 Crore, 2%
12) Full form for NCMC- National common mobility Card Under one nation one
card
13) First indigenously developed payment system for transport based card- NCMC
14) When NCMC was launched? - March 2019
15) What’s the card variant for NCMC -Rupay
16) NCMC card is used for- pay for bus travel, toll taxes, parking charges, retail
shopping
17) Massive push for physical connectivity by -
a) pradhan mantri gram sadak yojana
b) industrial corriders, Dedicated frieght corrider
c) Bharatmala and Sagarmala projects, Jal Marg Vikasand UDAN Schemes
18) how much investment is allotted for Indian Railways?- Rs 50 lakh crores
19) What’s the amount approved under Phase 2 FAME scheme and time limit? - Rs
10000 crores, 3 Years
20) Which type of vehicles are incentivized under FAME scheme? - Only advanced
battery operated and Registered E- Vehicles
21) National highway project to restructured to – National Highway Grid
22) Under ONE NATION, ONE GRID – power at affordable rates to states
23) What is UDAY? - it’s a scheme where cross subsidy surcharges, undesirables
duties on open sales or captive generation for industrial and other bulk power
consumers are removed.
24) What’s the raise in threshold announced by SEBI for minimum public
shareholding in listed companies – 25% to 35%
25) What’s the limit for FDI in insurance sector ? – 100
26) which PSE ( Public Sector Enterprise ) is incorporated as an arm for

Department of Space & to tap the benefits of R&D carried out by ISRO – NEW
SPACE INDIA LTD (NSIL)
26) NPAs reduced by – over Rs 1 lakh Crore last year
27) How much TDS will be deducted on cash withdrawal exceeding Rs 1CR? – TDS
of 2%
28) What is CPSEs ?- Central public Sector Enterprises
29) What’s the target for disinvestment under CPSEs in the fiscal year 2019-20? –
Rs 105000/-
30) What are new set of currencies to be issued for visually impaired persons? -
Denominations of Rs 1, 2, 5, 10 and 20.
31) How much recovery has been made in case of ESSAR Steel ltd- Rs42k Cr
32) What is CIRP?- Corporate Insolvency Resolution Process
33) How many CIRPs (Corporate Insolvency Resolution Process) are there till date-
1143
34) What’s the new threshold limit allotted by the GOVT for examining the NPAs
from the point of view of Frauds- Rs 0.5 billion
35) By how much RBI has reduced the GDP growth forecast for the current fiscal
year? From 6.9% to 6.5%
36) Repo rate has been cut by- 25bps

37) What’s the current repo rate?- 5.15%
38) What’s the current Bank Rate? – 5.40%
39) What’s the current reverse repo rate? – 4.90%
( trick to memorize the rates- just remember the Bank rate i.e 5.4% and subtract
2.5% from it will be 5.15% and add 2.5% to bank rate will be the reverse repo
rate i.e 4.9%)
40) What’s the current CRR? – 4%
41) What’s the current SLR? – 18.25%
42) What is the GDP growth Forecast- it has been cut from 6.9% to 6.1 %
43) Current CPI (Consumer Price Index) – 150.40 points
44) Inflation has risen by? 40 basis points
45) TDS deduction is under- Section 194N
46) How much amount allocated for phase 2 FAME scheme- Rs Rs 10000 Crore
47) Which waterway route has been selected under JAL MARG VIKAS PROJECT? –
Sahibganj and Haldia as well a Navigational lock at Farakka by 2019-20.
48) TDS Exemption is under what section? – 194N
49) What is UDAY scheme ?- UJJWAL DISCOM ASSURANCE YOJANA ( to reduce

cross subsidies and undesirable duties on open sales or captive generation for
industrial and other power consumers will be removed)
PART-5
1. The liquidity covers ratio refers to the proportion of ________________held by
financial institutions. (highly liquid assets)
2. Current MSF Rate is ______. (5.40%)
3. Short term borrowing rate at which RBI borrows money from bank. (reverse
repo rate)
4. Current reverse repo rate_____.(4.90%)
5. Current repo rate and reverse repo rate is effect from.(04.10.2019)
6. ________ defines the Cash reserves of scheduled bank to be kept with RBI.
(section 42)
7. Current repo rate _______(5.15%)
8. Current CRR ________(4%)
9. Bank has to maintain with RBI an average daily balance the amount of which
shall not be less than ____ of the total demand and time liabilities and shall not
exceed___. (3%, 15%)
10.SLR to be maintained under .______________. (SECTION 24-2A) of Banking
Regulation Act)
11.Current SLR ______. (18.25%)
12.Current SLR is with effect from _____(12.10.2019)
13.Current bank rate_______. (5.40%)
14.Bank rate defines under _____________(Section 49)
15.The standard rate at which it is prepared to buy or rediscount bills of exchange
__________. (Bank Rate)
16.Full form of IBBI. (Insolvency & Bankruptcy Board of India )
17.India’s own domestic payments platform UPI full form__________.(Unified
Payments Interface)
18.India’s own domestic payments platform UPI operates by _____(NPCI)
19.What is Pegasus? (ISRAELI SPYGATE)
20.RBI has advised NPCI not to permit UPI payment system
to___________(WhatsApp)
21.24*7 NEFT transaction including Sundays and Holidays is started from
(16.12.2019)
22.RBI hikes aggregate ending limit to Rs 50 Lakhs for _____________ lenders(Peer
to peer)
23. RBI bans use of ______for sell loans. (DSA)
24.RBI introduces new reporting system for co-operative banks CISBI. What is the
full form ? (Central Information System for Banking Infrastructure )
25.RBI tighten norms for banks, up penalties; financial compensations have been
set at _____per day.(100)
26.Govt issues guidelines for 1Lac Crore partial guarantee scheme for ______(NBFC)
27.RBI increases bank’s loan exposure limit to single NBFC from 15% to 20%
excluding ________companies.(Gold Loan)
28.RBI grants license to ________________ to set up branch in India.(Bank Of
China)
PART-6
1. Recurring bills are accepted for prepaid recharges by BBPS.

Ans: True/False
2. Full form of BBPS is..

Ans: Bharat Bill Payment System
3. Full form of BBPCU is..

Ans: Bharat Bill Payment Central Unit.
4. What is COU & BOU in BBPS?

Ans: Customer Operating Unit & Biller Operating Unit. Our Bank has been
certified as both by NPCI.
5. Initially how many type of billers’ category have been approved by RBI?
Ans: 5
6. How many Apps are needed to download by merchants for BHIM Aadhaar
Baroda Pay ?
Ans: 3 (IDEMIA Merchant Client, IDEMIA RD Services, BHIM Aadhaar
Baroda Pay)
7. What is the purchase limit in BHIM Aadhaar Baroda Pay?

Ans: min Rs. 10.00, max Rs. 10,000.00
8. Baroda Gift Card is powered by..

Ans: VISA
9. What is the loading amount in Baroda Gift Card?
Ans: Rs. 500 to Rs. 10000 in multiple of Re. 1
10.Baroda Gift Card is valid for..

Ans: 1 year
11.Baroda Gift Card issuance fee..

Ans: 500 to 2000 ------ Rs. 50+GST
2001 to 10000 -----Rs. 100+GST
12.Baroda TravelEasy Card can be issued in..

Ans: USD, EURO and GBP
13.Is ATM witdrawl permitted in Baroda TravelEasy Card?

Ans: Yes, in abroad only.
14.From where prepaid card holders can check available balance in cards?
Ans: https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp
15.Issuance fee in Baroda TravelEasy Card is..

Ans: Rs. 150+GST
16.Reload fee in Baroda TravelEasy Card is..

Ans: Rs. 55+GST
17.Cancellation fee in Baroda TravelEasy Card is..

Ans: Rs. 250+GST
18.What is the load value for Baroda Reloadable Card?

Ans: Rs. 100 to Rs. 50,000 in multiple of Re. 1
19.Validity of Baroda Reloadable Card..

Ans: 36 months
20.Issuance fee of Baroda Reloadable Card is..

Ans: 100+GST, (Reload fee & Cancellation fee NIL)
21.Baroda FASTag is based on RFID. What is the full form of RFID?
ANS: Radio-Frequency Identification Technology
22.Validity of Baroda FASTag is..

Ans: 5 years.
23.24*7 customer care no. for Baroda FASTag is..

Ans: 1800 103 4568
24.Issuance fee of Baroda FASTag is..

Ans: Rs. 75+GST
25.NETC pool account for Baroda FASTag is..
Ans: 03910015181640
26.Daily Maximum limit of cash deposit in Cash Recycler is..

Ans: Rs. 2,00,000 (with PAN in account)/ Rs. 49,999 (where PAN not
registered in a/c)
PART-7
1. Which of the authority is responsible in designing foreign trade policy of the

country?
a. RBI
b. DGFT
c. Exim Bank
d. FEDAI
2. Which of the following scheme introduce by the FTP (Foreign Trade Policy)
2015-2020 to boost country’s export?
a. Merchandise Exports from India Scheme (MEIS) for export of specified
goods to specified markets.
b. Service exports from india scheme (SEIS) for increasing of exports of
notified services.
c. Both a & b
d. None of the above.
3. Which of the following is mandatory requirement for business entity in
india to carry out exports and imports?
a. Import Export code number (IEC)
b. Export promotion council certificate.
c. Both of the above.
4. As per FEMA guide line All export contract & invoices shall be denominated
in
a. Indian Rupee.
b. Any Freely convertible foreign currency.
c. Both the above.
d. Only in USD.
5. Exchange Earner Foreign currency account (EEFC) can be opened in form of
a. Rupee savings account.
b. Fixed Deposit account.
c. Foreign Currency Current Account.
d. Any of the above.
6. Pre-shipment credit can be sanctioned by bank
a. In rupee only.
b. Any freely convertible foreign currency.
c. In USD only.
d. All of the above.
7. If PC(Packing credit) advances are not adjusted by submission of export
documents within 360 days from the date of advance,
a. The account become NPA Immidiately.
b. The account should be immediately restructured,
c. The account will get willful defaulter list.
d. The advances will cease to qualify for prescribed concessional rate of
interest for export credit.
8. Normal Transit Period with respect to post shipment refers to,
a. Time Taken for the arrival of goods at overseas destination.
b. Average period from the date of negotiation/purchase/discount till the
receipt of bill proceeds in the NOSTRO account of the bank.
c. Time Taken from the date of receipt of export till the date of shipment of
goods.
9. Which of the following is a policy of ECGC to cover credit risk of banks on
their pre shipment exposure.
a. ECIB-WTPC.
b. ECIB-WTPS.
c. ECIB-WTBS
10.Which of the following is the policy of ECGC to cover credit risk of banks on
their post shipment credit.
a. ECIB-WTPC.
b. ECIB-WTPS.
c. ECIB-WTBS
11.Under LRS (Liberalised Remittance Scheme) AD bank can permit resident
individual to remit the fund abroad for any permitted current and capital
account transaction or a combination of both up to a limit equivalent to,
a. 1,00,000 USD.
b. 2,00,000 USD.
c. 2,50,000 USD.
d. 5,00,000 USD.
12.Which of the following entity can remit fund aboard under LRS
a. HUF & Firm
b. Resident Individual.
c. Companies & Trust.
13.Minor can remit fund under LRS after form A2 must be countersigned by
the minor natural gurdians.
a. True
b. False
14.An Individual propose to remit the forign cureency under LRS should submit
AD bank
a. Form A1.
b. Form A2.
c. Form A3.
d. Form A4.
15.RFC (Resident Forign Currency ) Account can be opened as
a. Current account.
b. Saving account.
c. Term Deposit account.
16.NRI can open joint account with resident as
a. Either or survivor.
b. Former or survivor.
c. Jointly.
d. Resident cannot open joint account with nonresident.
17.FCNR (B) account ca be opened as
a. Current account.
b. Saving account.
c. Fixed deposit account.
d. All of the above.
18.Total number of incoterms applicable from 01.01.2020 are
a. 10
b. 11
c. 15
d. 20
19.This type of LC used as substitute for performance guarantee or securing
loans,
a. Irrevocable LC
b. Revocable LC
c. Stand by LC
d. Red Clause LC.
20.Any LC which permits the advance for storage of goods in a warehouse in
addition to pre shipment advance,
a. Back to Back LC.
b. Green Clause LC.
c. Red Clause LC.
d. Stand by LC.
21.The bank which undertakes the responsibility of payment by the issuing
bank and on its failure to pay is called
a. Negotiating Bank.
b. Reimbursing Bank.
c. Confirming Bank.
22.Full form of Incoterms,
a. Indian Company Term.
b. International contract term
c. International Commercial Term.
23.Which of the following methods is applied for quoting the foreign exchange
rates in india
a. Cross Rate.
b. Direct Rate.
c. Indirect Rate.
d. Buying rate.
24.A contract which affords adequate protection to an exporter or an importer
against exchange risk,
a. Hedging.
b. Letter of credit.
c. Guarantee.
d. Forward Contract.
25.In the transaction done on spot basis the delivery of the fund take place,
a. Same Day.
b. Next Day.
c. Second Working Day.
26.A TOM Transaction done on 3rd april 2019 will be settled on,
a. 3rd April 2019.
b. 4th April 2019
c. 5th April 2019
d. 7th April 2019.
27.Mechanism is used to derive rate of currency pair, when there is no quote
for it in the home currency,
a. Straight Rate Mechanism.
b. Cross Rate Mechanism.
c. Side Rate Mechanism.
28.In respect of the sell & purchase of foreign exchange, the following principal
would be followed in direct rate,
a. Buy High.
b. Sell Low.
c. Buy Low Sell High.
d. Buy High Sell Low.
29.In foreign exchange transaction which of the following is basic buying rate,
a. Bill Buying Rate.
b. TT buying Rate.
c. Direct Rate.
d. FC buy rate.
30.The agency which is responsible for framing rules governing the conduct of
interbank foreign exchange business among banks,
a. RBI.
b. DGFT.
c. FTP
d. FEDAI.
31.All major banks in india who are providing all current & capital account
transaction falls under,
a. AD-Category-II.
b. AD-Caterogy-III.
c. AD-Category-I
32. Outward remittances other than for import which are not booked under
forward contracts should be carried out at,
a. Bill buying rate.
b.TT Buying Rate.
c. TT Selling Rate.
d. Bill Selling Rate.
33. Loro account normally refers to,
a. Our account with you.

b. Their account with you.
c. Your Account with us.
34. An LC provides for allowing pre shipment credit to the

beneficiary,called
a. Confirmed LC.
b. Back to Back LC.
c. Green Clause LC.
d. Red Clause LC.
35. The exporter should necessarily submit the export documents to the bank,
within,
a. 15 Days from the date of shipment.
b. 20 Days from the date of shipment.
c. 21 days from the date of shipment.
36. Full form of FAS Incoterm is Free Along Side Ship.
a. True.
b. False.
37. A resident can purchase immovable property outside india out of foreign
exchange held in his/her resident,
a. NRE account.
b. EEFC account.
c. RFC account.
d. NRO account.
38. A PIO (Person of Indian Origin) can acquire the property in india by way of ,
a. Gift.
b. Inheritance.
c. Purchase.
39. UCPDC stand for, Uniform customs and practices for documentary credit.
a. True.
b. False.
40. As per this incoterms seller is responsible for all transport cost including
custom duty taxes and ware house charges.
a. DES
b. DDU
c. CIF
d. DDP.
41.Which ministry of government of india decide permissibility of goods for

exports from india & import into india,
a. Ministry of commerce.
b. Ministry of finance.
c. Ministry of external affair.
d.Ministry of MSME.
42. Option contract that can be excercised only on expiry date is called,
a. Europian option.
b. American option.
c. Both of the above.
43.Authorise Person comprise of,
a. Authorised Dealer-I
b. Authorised Dealer-II
c. Authorised Dealer-III
d. All the above.
44. ECGC does not offer exchange risk on foreign curremcy/INR conversion,
a. True.
b. False.
45. Minimum & Maximum tenure for NRE Rupee FD
a. 1 Year & 5 Year
b.1 Year & 10 Year
c. 1 Year & 15 Year.
46.UAE exchange center LLC, Abu Dhabi, UAE is a exchange house arrangement
BOB has tie up with,
a. True
b. False.
47.Fx-Retail is a electronic platform for buying and selling foreign exchange ,

a. True
b. False
48.Full form of ISBP is international standard of baking practice.
a. True.
b. False
49.full form of CCIL is clearing corporation of india
a. True.
b. False.
50.An NRI account can be opened as savings, current , Recurring, & Fixed Deposit.
A. True
b. False
PART-8
1. NRI gross annual income should be minimum 5 lacs for HBL

2. For purchasing Flat/ House it should be maximum 25 years old
3. Maximum loan amount for HBL other metro is 5 crs.
4. FOIR calculation for salaried class where GMI is greater than 50,000 is 65%
5. FOIR calculation for non-salaried where GAI is greater than 6 lacs is 80%
6. Margin norms for HBL up to project is 30 lacs is 10 %
7. Maximum moratorium period is 36 months for HBL
8. Average CIBIL cut off score is 725
9. Cut off score for RISK Rating is 96 (HL8)
10. Priority sector classification is for metropolitan cities 35 lacs loan where
project cost is max. 45 lacs & other than metropolitan cities 25 lacs where
project cost is max. 30 lacs
11. CIBIL record if below 724 but above 675 then deviation from RMCC required
12. Maximum Top up loan can be sanctioned 2 cars
13. In PMAY under LIG category house hold income should be 3 to 6 lacs
14. For rural or semi urban maximum HBL can be 1 crs
15. FOIR for salaried greater than 5 lacs is 75 %
16. Margin for HBL where project cost is greater than 75 lacs is 25%
17. For golden jubilee rural housing scheme maximum loan amount 100 lacs & 1
lacs for repair and renovation
18. For home loan suvidha personal loan Finacle code is LA236 for resident Indian
PART-9
1. When a promissory note or bill of exchange is maturing on Public holiday
then on what date the instrument shall be due? . next preceding business
day
2. The holder of negotiable instrument signs on a slip of paper annexed
thereto is said to be endorser.
3. How much interest is payable by the parties charged on the basis of a
negotiable instrument if no interest is payable is specified in the
instrument? Ans. 18%
4. Dishonour of cheque for insufficiency of fund in the account comes under
which sec? Ans. Sec 138.
5. Under what clause a bailment is done?
Ans.for accomplishing a purpose under sec 148
6. Which bank act as banker to government and Banks? Ans. RBI
7. Under which section bank rate policy is defined? Ans. Sec49
8. Return of paid instrument to customers under section 45(Z) comes under

which ACT?
Ans. Banking regulation act, 1949
9. Paid up capital required for One Person Company is ₹50lakh.
10.Certificate issued on noting of Dishonour of Bill of exchange or promissory

note is Protest.
11.What kind of cheque is negotiated by endorsement and delivery? Order
cheque.
12.A cheque is dishonoured due to stop payment by the drawer. Can the payee
take action against the drawer in the above scenario?
Ans. Yes, As per sec138.
PART-10
1. For pension loan, pensioners should be drawing pension through the

branch for how many months?
a. 3 months
b. 6 months
c. 9 months
d. 12 months
2. What is the minimum and maximum age criteria for loan to pensioners?
a. 18,70
b. 21,70
c. 18,75
d. 21,75
3. What is the correct maximum limit for Loan to Pensioners for regular
pensioners?
i. For age upto 70 years : Rs. 8 lacs
ii. For age above 70 years: Rs. 5 lacs
a. Only i
b. Only ii
c. Both i & ii
d. None of these
4. What is the correct maximum limit for loan to pensioners for family
Pensioners?
i. For age upto 70 years : Rs. 3 lacs
ii. For age above 70 years: Rs. 1.50 lacs
a. Only i
b. Only ii
c. Both i & ii
d. None of these
5. What is the repayment period for Pension loan for age upto 70 years?
a. 24
b. 36
c. 60
d. 84
6. What is the repayment period for Pension loan for age above 70 years?
a. 24
b. 36
c. 60
d. 84
7. What is the unified processing charge for pension loan?
a. 1000 + gst
b. 1500+ gst
c. 1000
d. 1500
8. What is the rate of interest for Pension loan?
a. BRLLR + SP+ 3%
b. BRLLR + SP+ 4%
c. BRLLR + SP+ 2%
d. BRLLR + SP+ 1%
9. For pension loan, personal guarantee is to be taken of
i. Wife
ii. Legal heirs
iii. Person nominated to revive the family pension
a. i or ii
b. i & ii
c. i or iii
d. i & iii
10.What is the minimum grade for credit rating ?
a. CL7
b. CL6
c. CL5
d. CL3
Part-11
1. What is the full form of LLPS?
a. Loan Life Processing System
b. Loan Lifecycle Processing System
c. Loan Lifecycle Processing Service
d. None of the above
2. LLPS helps in
i. Minimizing TAT
ii. Manual efforts & interventions in credit processing
iii. Error minimization
iv. Yield better efficiencies and improved compliance
a. i & ii
b. i , ii & iii
c. ii, iii & iv
d. i, ii, iii & iv
3. Key features of LLPS is
i. End to end track proposals
ii. Enhance customer experience
iii. Improve adaptability to Changing regulatory requirements
iv. Improve customer engagement through mobility
a. ii & iii
b. iii & iv
c. All of the above
d. None of the above
4. In which stage is Dedup done with CBS in LLPS?
a. Lead Capture
b. Pre Processing
c. Data Entry Checker
d. Credit Assessment
5. In which stage is CIBIL and EQUIFAX checked?
a. Lead Capture
b. Pre Processing
6. In which stage is FOIR checked?
a. Lead Capture
b. Pre processing
7. After which stage is the deviation approval sent to the appropriate
authority?
a. Lead Capture
b. Pre processing
8. In which stage is the proposal appraised?

a. Lead Capture
b. Pre processing
9. What are the options that the sanctioning authority has at the head
sanction stage?
a. Sanction
b. Reject
c. Re-processing
d. All of the above
e. None of the above
10.A message is sent to the customer as soon as his/her proposal starts being
processed in LLPS.
a. True
b. False
PART-12
1. Baroda m invest is a mobile based app for investing is powered by :-

M/s Finwizard technology Pvt ltd.
2.Our bank has launched a program for recognitions for those who have done
extremely
Well in Life insurance business ,:- Million Dollar Round Table ( MDRT)
Programme 2019.
3.MDRT is an international , independent association of around 38000

professionals life insurance
Experts from 450 plus companies in 79 countries .
4. MDRT council has 3 levels of membership , criteria for qualification is as

below :-
Recognition Standard Threshold defined
a) Million Dollar Round Table ( MDRT). RS. 39,95,600 regular premium .

b) Court of Table ( COT) RS.1,19,86,800 regular premium.
c) Top of Table ( TOT). RS.2,39,73,600 regular premium.
5. Which plan of India First is ideal for employer to take care of the employees
families in case of untimely demise of the employee :-
Baroda Jeevan Suraksha
6. Which plan of India First takes care of loan liability :-
India First group credit life plan
7. India First is joint venture of Bank of Baroda ,Andhra Bank and Warburg
Pincus with stake 44% , 30% and 26% respectively .Our Bank offers Life
insurance product through this platform.
8.Which General Insurance company tied up with our bank suitable for house
holders
a) TATA AIG
b) Chola MS General Insurance

c) Max Bupa
d) National Insurance Co. LTD.
9. “ Don’t just save but invest “ is the basis of Mutual Find Scheme .
Part-13
1. What is the maximum loan amount to tenant farmer?

Ans: Rs. 100000/-
2. What is the maximum loan amount for JLG?
Ans: Rs. 10 Lakhs
3. Margin stipulated to small/marginal farmer for purchase of agricultural land
upto limit Rs. 50000/-?
Ans: Nil
4. Margin stipulated to small/marginal farmer including share cropper and
tenant farmer for purchase of agricultural land above limit Rs. 50000/-
Ans: 10%
5. Loan period for purchase of agricultural land?
Ans: 7-12 Years
6. Instalment to be paid by farmer for purchase of land
Ans: Half yearly or yearly
7. Moratorium period can be provided to farmer for purchase of agricultural
land?
Ans: 24 months
8. What is the loan amount for redemption of debts of farmers from non-
institutional lenders
Ans: Limit upto Rs. 25000/- (Self declaration of applicant as an evidence of
indebtness), limit above Rs. 25000/- (documental evidence is required)
9. Repayment period for loan given for redemption of debts?
Ans: Maximum 10 years, instalment can be monthly, quarterly, half yearly,
yearly
10.Financing to farmer for construction of toilets under Swachh Bharat
Abhiyan
Ans: Eligible: Farmers, JLGs, SHGs, and person belongs to weaker section
having relation with our bank for minimum 6 month
11.Age of applicant to avail loan for construction of toilets under Swachh
Bharat Abhiyan
Ans: Minimum 18 years – maximum up to 70 years
12.Maximum loan amount for construction of toilets under Swachh Bharat
Abhiyan
Ans: Rs. 40000/-
13.Margin stipulated for loan to avail for construction of toilets under Swachh
Bharat Abhiyan
Ans: Nil
14.Repayment period for loan to avail for construction of toilets under Swachh
Bharat Abhiyan
Ans: 60 months
15.Who are eligible for loan to purchase of smart phone for farmers
Ans: Eligible: all persons engaged in cultivation of crops and have availed
BKCC, and the BKCC account is standard
16.Age of applicant for loan to purchase smart phone
Ans: Minimum 18 years – maximum up to 70 years
17.Maximum loan amount for purchase of smart phone
Ans: Rs. 10000/-
18.Margin stipulated for loan to purchase smart phone
Ans: Nil
19.Repayment period for loan to purchase smart phone
Ans: 24 months
20.Loan for installation of gobar gas/ bio gas plant
Ans: Eligibility: applicant should own requisite number of cattle needed to
feed the gobar gas plant
21.Repayment period for loan to install gobar gas plant
Ans: Maximum: 7 years for plant size 2m3 to 4m3 and shall not exceed 5
years for plant size 6m3 and above
22.Subsidy to be treated as margin for gobar gas loan?
Ans: Yes
23.Financing installation of solar home lighting system?
Ans: In rural and semi urban places only
24.Maximum loan amount for installation of solar home lighting system?
Ans: Rs. 50000/-
25.Security for installation of solar home lighting system?
Ans: Hypo of solar system
26.Margin stipulated for loan for installation of solar home lighting system?
Ans: 15% (subsidy can also be treated as margin)
27.Repayment period for loan to install solar home lighting system?
Ans: 5 years (by monthly/ quarterly/ half yearly/ yearly)
28.Loan for commercial production unit for organic inputs
Ans: Consist of two scheme a) Bio fertilizer and bio pesticides production
unit b) Fruit and vegetable waste/ agro waste compost production unit
29.Eligibility for bio fertilizer and bio pesticides production unit
Ans: Individuals/ group of farmers/ growers, proprietary or partnership
firm, cooperatives, fertilizer industry, companies, corporations, NGOs
30.Eligibility for fruit and vegetable waste/ agro waste compost production unit
Ans: APMCs, Municipalities, NGOs, and private entrepreneurs
31.Margin for for bio fertilizer and bio pesticides production unit
Ans: 25-33%, GOI Subsidy ceiling 25%, (Bank loan: 42-50%)
32.Margin for fruit and vegetable waste/ agro waste compost production unit
Ans: 25-33%, GOI Subsidy ceiling 25%, (Bank loan: 34-42%)
33.Quantum of subsidy provided for bio fertilizer and bio pesticides production
unit
Ans: 25% of total financial outlay subject to the maximum Rs. 40 Lakh per
unit
34.Quantum of subside proved for fruit and vegetable waste/ agro waste
compost production unit
Ans: 33% of total financial outlay subject to maximum Rs. 60 Lakh per unit
Part-14
● When was the National Credit Council set up? - February 1968
● Full form of ANBC - Adjusted Net Bank Credit
● Percentage of country's credit flow to Priority Sector? - 40% of ANBC
● Percentage of Agri Adv? - 18% of ANBC
● Percentage of Agri Adv to Small and Marginal farmers? - 8% of ANBC
● Percentage of advances to Micro Enterprise? - 7.5% of ANBC
● Percentage of of advances to weaker sections? - 10% of ANBC
● What is the maximum time frame for a branch to dispose off loan
applications of Rs.25000.00 & above? - 10 working days
● Mortgage of land is not required for crop loans upto - Rs. 1.60 lakhs
● Margin on term loan to Food and Agri based units for construction of
building - 30%
● Margin on term loan to Food and Agri based units for purchase of plant and
machineries and equipments - 25%
● Maximum repayment period for loans given for purchase of agricultural
implements / equipments - 7 years
● Maximum repayment period for purchase of power tillers - 7 years
● Maximum repayment period for a tractor loan of a farmer having above 10
acres of irrigated land - 9 years
● Minimum irrigated land holding for financing second hand tractors - 2 acres
PART-15
1)How many card debit card types are there for issuance to customer?
Ans. 13.
2)Which type of Debit Card has the maximum amount of Coverage? And how
much?
Ans. Baroda Radiance (Master Card World), 10L.
3)Which type of Debit Card has the maximum amount of POS/Ecom limit and Cash
withdrawl limit?
Ans. Baroda Radiance(Master Card World). 5L & 2L.
4)Which type of Debit Card has the lowest Limit of Cash withdrawal and POS
Swipe?
Ans. Rupay Mudra. 5K
5) How much insurance coverage for Visa Platinum card?
Ans. 4L
6) What is the abbreviation of NCMC?
Ans. National Common Mobility Card.Multipurpose debit card used as transport

pass on buses metro public transports.
7)What is full form of DSS?
Ans. Digital Signage System.
8)What is Actually DSS is?
Ans, A large size LED display unit.
9)What are the usage of DSS?
Ans. DSS can be used to display latest product information in form of Audio
Visuals, animation. There also may be live updates on Share price or Mutual fund
growth or Foreign Currency price etc, in that case display must be connected to
central server.
10)What is the effect of DSS on Bank?

Ans. It is a cost effective cheaper tool for marketing, and also it is part of go green
initiative saves pages.
11)What type of Self service PassBook Printing is done in eVijaya & e Dena
Branches? (Choose one option)
a)Fully Automatic b)Semi Automatic c) Both d) Manual only.
12)What are the difference of Automatic and Semi Automatic Self Service
Passbook Printing?
Features a)Auto Page turning in Automatic Passbook Printing and Manual turning
of pages in Semi automatic Passbook Printing.
b) Recognition of Passbook is done through Magnetic Strip in case of Automatic

Passbook Printing and Recognition of passbook is done through Bar Code in case
of Semi Automatic PassBook Printing.
13)What is Multi Function Kiosk?
Ans. A single Hybrid Box for delivering number of services to Customer.
14)What can be done through MFK?
Ans. a)Cheque Deposite with CTS interface.
b)Bill payment using debit card Internet banking facility
c) Browser Based Internet banking
d)Non cash inquiry Mini statement
15) What is SMS banking Call No?
Ans. Call response No is “8422009988”.
How many activities are there in the SMS banking facility?
Ans. 9 nos.
16)What are the Activity can be done through SMS banking?

a) Balance Inquiry b) Mini statement c) Cheque Status d) Adhaar seeding e)
Registration of proffered account f) Debit card blocking g) Subscribe/ Unsubscribe
SMS Banking. h) PMJDY OD request i) PMJJBY/PMSBY enrollment.
17) What is e-lobby?
Ans. e-lobby is a place supported with various machine banking is done without
any manual intervention.
18) How many machines are there in eVijaya and eDena Bank elobby?
Ans. 3 nos a)ATM b) Cash deposite Kiosk/Bunch note exceptor c)PassBook Kiosk.
19)How many machines are there in Bank of Baroda elobby?
Ans. 5 nos a)ATM b)BNA/Cash recycler c)MFK d)SSPBP e) DSS
20)What are the benefit of e-lobby?
a)Reduce in staff load b)reduce in operational cost of Bank c) Promotion of

Products of Bank.
PART-16
1. What is the commission rate per transaction for pension payments type of
transaction ?
Ans: Rs 75/-
2. What is the commission rate per transaction for receipts- Physical mode
type of transaction ?
Ans: Rs 40/-
3. Where the TOC claim settled by RBI is sent to ?
Ans: CPPC Gif City
4. In Which account turnover commission is received at CPPC ?
Ans: 32440015181228 entitled “Revenue Pool Account Government
Business”.
5. In Which account TOC is credited to individual branches ?
Ans: A/C No “ XXXX0042101009” Commission earned on Government
Business”
6. What is the Full Form of CGA ?
Ans: Controller General of Accounts
7. What is the Penal Interest levied for the delayed remittance of Government
receipts into government accounts ?
Ans: at the rate of Bank Rate + 2%
8. For transaction in accounts of Government Department for above 25 lacs
and upto 1 crore’ alerts generated at :
Ans: Regional Office Level
9. For transaction in accounts of Government Department for above 1 crore’
alerts generated at :
Ans: Zonal Office Level
10.What is the time period allowed to Agency banks to furnish their claim on
agency commission to RBI ?
Ans: 90 days from the end of the quarter in which the transaction has
been conducted.
Part-17
4). Founder of Bank of Baroda ______
a) Maharaja Sayaji Rao Gaekwad-I

b) Maharaja Sayaji Rao Gaekwad-II
c) Maharaja Sayaji Rao Gaekwad-III
d) Maharaja Sayaji Rao Gaekwad-IV
5). Bank of Baroda was nationalised on ______
a) 19-06-1969
b) 19-07-1969
c) 19-06-1968
d) 19-07-1968
7). Logo of Bank of Baroda is the ______
a) Sun
b) Baroda Light
c) Rising Sun
d) Baroda Sun
8). Logo of Bank of Baroda was launched on ______
a) 05-06-2005
b) 06-06-2005
c) 05-07-2005
d) 06-07-2005
9). Mission of Bank of Baroda is – To be a top ranking National Bank of
International Standards committed to augmenting stake holders’ value through
___, __ and _______
a) Courage, Concern and Care

b) Customer Centricity, Care and Competence
c) Concern, Care and Competence
d) Care, Concern and Competence
10). The colour of Bank of Baroda’s Logo is the ______

a) Orange
b) Vermillion
c) Red
d) Pale Orange
12). Brand Ambassadors of Bank of Baroda are ______
a) Ms PV Sindhu and Mr K Srikanth

b) Ms PV Sindhu and Mr Sachin Tendulkar
c) Mr Sachin Tendulkar and Mr Srikanth
d) Ms PV Sindhu and Mr K Sidhu
13). Brand Ambassadors of Bank of Baroda are from which sports ______
a) Badminton
b) Tennis
c) Golf
d) Hockey
15). Bank of Baroda has ___ number of Zonal Offices
a) 15
b) 16
c) 17
d) 18
16). Bank of Baroda has ___ number of Regional Offices
a) 100
b) 102
c) 105
d) 108
17). Bank of Baroda has ______ number of overseas branches / offices including
one Non-
Banking Overseas Subsidiary and present in 21 Countries
a) 100
b) 101
c) 102
d) 103
18). Bank of Baroda has Joint Venture (Domestic) with one of the following
companies
______
a) India First Life Insurance

b) India Infradebt Ltd
c) Baroda Pioneer
d) Both a and b
25). Total number of Lead Districts – Bank of Baroda ______
a) 60
b) 67
c) 70
d) 77
28). In Bank of Baroda, the Processing of Retail Loans has been nationally
centralised in
______ Zones
a) 2
b) 5
c) 6
d) 8
29). In Bank of Baroda – Processing of Retail Loans has been nationally

centralised in 6 Zones through Centralised Processing Cell (CPC) in _____
a) New Delhi
b) Mumbai
c) Gif City, Gujarat
d) Kolkatta
31). Under Bank of Baroda’s Project Navnirmaan – Conversion of all Metro &
Urban branches into modern centres is known as ______
a) Baroda Young Branches

b) Baroda Next Branches
c) Modernised Branches
d) Futuristic Branches
32). Bank of Baroda has launched Project Navnirmaan for its domestic operations
on ___
a) 22-05-2009
b) 22-06-2009
c) 22-07-2009
d) 22-08-2009
34). Bank of Baroda has introduced Brand in Sonic medium by launching a ____
on the
occasion of its Foundation Day in the year 2011
a) Signature Tune
b) Challenging Tune
c) Mascot
d) Both a and c
35). Bank of Baroda has implemented ____ in its key territories like UK, UAE,
Bahamas,
Bahrain, Hong Kong, Singapore and Belgium
a) Global Treasury Solution

b) Foreign Treasury Solution
c)
d) Global Forex Solution
International Forex Solution
37). Bank of Baroda has launched a Project on 20/07/2016 on Comprehensive
transformation for the Bank across our business strategy, products, systems
and organisation. The name of the project is _____
a) Navnirmaan
b) Navoday
c) Premiun
d) Transformation
39). Under “We Lead” initiative of Project Navoday, find which of the following is
right
______
a) Scale I, II, III – Sayaji Rao Gaekwad Scholars Program

b) Scale IV – Baroda Rising Stars Program
c) Scale V – Baroda Emerging Leadership Program
d) Scale VI, VII – Baroda Senior Leadership Program
e). All the above
40). On 06/05/2017, Bank of Baroda has unveiled HR transformation

project, namely
______ for enhancing the Performance Management & Talent Effectiveness

in our
Bank
a) Project Sparsh Plus

b) Project HR
c) Project Growth
d) Project Excel
43). One of the following is the key benefit of GEMS ______

a) Objectivity & Rationality
b) Result Oriented
c) Empowerment
d) Recognition of High Performance
e) . All the above
45). The key initiative under Baroda Anubhuti is ______
a) Employee of the Month

b) Spot Recognition – Creating Vow Moments
c) Zero Hour / Fun Hour
d) Local Community Service / Social Service
e) Anubhuti Workshop
f). All the above
46). Which of the following is the Bank of Baroda’s initiative on Corporate Social
Responsibility ______
a) Baroda Swarojgar Vikas Sansthan (Train Youth – Self Employment)
b) Baroda Grameen Paramarsh Kendra
c) Financial Literacy and Credit Counseling (FLCC)
d) All the above
47). The activities under Baroda Grameen Paramarsh Kendra are _________
a) Financial Education and Financial Inclusion

b) Information Sharing and Problem Solving on Technical Issues
c) Credit Counseling
d) Synergy and Liaison with other organization
e) All the above
49). Under Wealth Management Services, currently Bank of Baroda is offering

third party products in ____
a) Bancassurance
b) Mutual Fund
c) ASBA
d) e-Broking
e) All the above
50). Bank of Baroda offers Life Insurance products to its customers through
which of the following companies ______
a) India First Life Insurance

b) LIC
c) Reliance Life
d) HDFC Life
51). Bank of Baroda offers General Insurance products to its customers through
which of the following companies ______
a) National Insurance Co
b) Cholamandalam MS General Insurance
c) TATA AIG General Insurance
d) All the above
52). Bank of Baroda offers Mediclaim / Health Insurance products to its

customers through which of the following companies ______
a) Max Bupa Health Insurance

b) Star Health and Allied Insurance
c) TATA AIG General Insurance
d) Both a and b
Part-18
CIN number consists of how many digit

a. 14
a. 18
c. 21
d. 12
2.Every listed company with paid up capital of Rs. .......... or more / public limited
company with turnover of Rs...............or more shall have at least one woman
director.
a. 100 Crores , 300 Crores
b. 300 Crores , 100 Crores
c. 100 Crores , 100 Crores
d. 300 Crores , 300 Crores
3. A resident director must have to reside in India for a period of.............
a. 181 days or more in previous year
e. 182 days or more in present year
b. 182 days or more in previous year
f. 181 days in present year
4. Every listed company can appoint an individual auditor for
a. 2 years
g. 3 years
h. 4 years
c. 5 years
5. Every listed company can appoint a firm of auditors for.........

a. 8 years
i. 9 years
d. 10 years
j. 11 years
6. The pillars under the KYC guidelines are
I Customer Acceptance Policy
iiCustomer Identification procedure
iii Risk Management ( MLRC)
iv Monitoring of transactions
a. I,ii and iii

k. I, ii only
l. Only ii, iii, iv
e. All of the above
7.COPRA was implemented w.e.f.
a. 15.4.1987
m. 15.04.1989
n. 15.04.1986
o. 15.04.1990
8. Foreign Exchange Management Act (popularly known as FEMA) came into effect
from
a. 1st July 2000
f. 1st June 2000
p. 2nd June 2001
q. 1st July 2001
9. Which one is not mandatory field in HFATCA option
a. Tax Residency Country
r. PAN number
g. Voter Id Number
s. Country of Birth
10. Cross-border Wire Transfer Report is required to be filed with FIU-IND
by ........................... of succeeding month for all cross border wire transfers of the
value of more than five lakh rupees or its equivalent in foreign currency where
either the origin or destination of fund is in India.
a.7th
b.10th
c.15th
d.20th
11. Financial Intelligence Unit (FIU-IND) was setup in
a. Nov.2004
t. Nov. 2005
u. Nov.2003
v. Nov2001
12. The authority or jurisdiction in COPRA ACT 1986 are;
a) District forum for a complaint up to Rs. 100 lakhs.
b) State Commission from Rs. 100.00 Lac to Rs. 1000 lakhs.
c) National Commission above Rs. 1000 lakhs.
d)All of the above.
13. Which one is not a stages of Money Laundering

a. Placement
h. Distribution
w. Layering
x. Integration
16. What is the aim of the Insolvency and Bankruptcy Code?

A) It aims to clean up the balance sheets of public sector banks
B) It aims to overhaul the existing framework for dealing with
insolvency of corporations, individuals, partnerships and other
entities.
C) It aims to all outstanding debts and clean up bank balance sheets.
D) All of the above.
17. What is the minimum default required to initiate insolvency
procedure for corporate debtors under the Insolvency and
Bankruptcy Code?
A) Rs 2,00,000
B) Rs 5,00,000
C) Rs 3,00,000
D) Rs 1,00,000
20. The term 'Nostro account' means

A. our account with you
B. your account with us
C. their account with them
D. none of the above
21. The term 'Vostro account' means
A. our account with you
B. your account with us
C. their account with them
D. none of the above
22.A company is said to have been registered when?
(A) It files Memorandum of association and Articles of Association.

(B) It gets incorporation certificate with the Registrar of Companies.
(C) It gets certificate for commencement of business.
(D) It actually starts its business.
23. Which are the banks covered under the Banking Ombudsman Scheme, 2006?
A. Scheduled Commercial Banks
B. Regional Rural Banks
C. Scheduled Primary Co-operative Banks
D. All of these
24. Banking Ombudsman may award compensation not exceeding _____ to the
complainant for mental agony and harassment.
A. 1lakh
B. 2 lakh
C. 3 lakh
D. 5 lakh
Part-19
What is the age limit of car loan applicant?
Ans. 21yrs. To 70 yrs.
2. How many% in ROI concession if the borrower offer 50% of loan limit as liquid
collateral security?
Ans. 0.50%
3.Deviation is permissible by which authority if the civil score bellow 675 for car
loan?
Ans. ZOCC
4. For which amount where credit card account status write off/ settlement done
and no deviation required?
Ans. Rs. 25000/-
5.What is the maximum deviation charges for car loan?
Ans. Rs. 3000/-+gst per deviation with maximum of Rs 10,00,00/-
6. What is the preclosure charges of Two Wheeler loan?
Ans. Nil.
7. What is the max limit of two wheeler loan?
Ans. Rs. 10 lakh.
8. What is the cut off loan amount of two wheeler loan in which Term life/ Group
life insurance is mandatory?
Ans. Rs. Above 3 lakh.
9. What is cut of civil score for two wheeler loan?
Ans. 760.
10.What is the unified processing charges (one time) for two wheeler loan?
Ans. 2% of loan amount. Minimum Rs. 250/-+ GST
11.In which write off/ settlement amount, no dues certificate from bank/ FIS to be
obtained in respect of credit card account for car loan?
Ans. Above Rs. 5000/-
12.How many service charges for sale executives of car dealers at per car?
Ans. Rs. 1500/- per car.
13. What is the registration no. For VAHAN details?

Ans. 7738299899.
14. What is the credit rating for four wheeler loan?
Ans. Minimum 30/55 in Investment Grade CL 7.
15. What is the minimum age of co- applicant for car loan?
Ans. 18 years.
16. What is the maximum limit of four wheeler loan?
Ans.Rs. 1 cr.
17. Minimum tenor of staying abroad for NRI to avail a car loan?
Ans. 2 years.
18. To avail a car loan of a NRI customer shuld have annual Gross income is?
Ans. Rs. 5 lakh.
19. Can Staff / ex staff avail a car loan as normal customer?
Ans. Yes.
20. How much% concession in roi on car loan to our existing home loan customer
who maintained a good track record of repayment without any overdue.
Ans. 0.25%
Part-20
1. Which of the following may be treated as early warning signals about some
wrong doings in the loan A/C and they may turn fraudulent?
a. Frequent invocation of BG and development of LC
b. Delay observed in payment of outstanding dues
c. Financing the unit far away from branch
d. All of the above
Answer: d
2. The interest payment is overdue for 45 days. In which category will the A/C
be treated?
a. SMA 0
b. SMA 1
c. SMA2
d. Standard account
Answer: b
3. When will the CRILIC Main Report be required to be submitted?

a. Monthly
b. Quarterly
c. Annually
d. Once in a fortnight
Answer: a
4. CRILIC report is to be submitted by all borower entities having aggregate

exposure of:
a. Above 50 million
b. Above 30million
c. 50million and above
d. Below 50million
Answer: c
5. What is the revised accelerated provisioning % for substandard (secured)

assets upto 6months?
a. 15%
b. 20%
c. 25%
d. 30%
Answer: a
6. What is he revised accelerated provisioning % for substandard (unsecured)

assets upto 1year?
a. 25%
b. 30%
c. 45%
d. 40%
Answer: d
The Provisioning required for standard assets of small and Micro Enterprise is
A) 1%
B) 0.25%
C) 0.75%
D) 0.40%
2) In long term crop, The bkcc sanction date is 1/4/2018, Then the repayment due
date will be.
A) 31/3/2019
B) 01/10/2019
C) 30/9/2019
D) 01/4/2019
3) In BKCC, If the sanction date is 01/04/2018, Date of over due is 01/04/2019

then the date of NPA will be.
A) 01/04/2021
B) 31/03/2021
C) 01/07/2019
D) 30/06/2019
4) Which advances will not be treated as NPA, Though the interest or Instalment
have not paid for more than 90days.
A) Advances against KVP.
B) Advances against NSC.
C) All of the above.
D) None of the above.
5) Provision required for doubtful assets up to one year is.
A)25%
B) 40%
C) 100%
D) None the above
1) As per RBI guidelines loan loss Coverage ratio should be
a) 70% of its Gross NPA
b) 50% of its Gross NPA
c) 50% of its Net NPA
d) 40% of its gross NPA
2) Sarfeasi Action must be initiated when the contractual dues in the Account is
a) more than 1 lakh

b) more than 10 lakh
c) more than 5 lakh
d) more than 2 lakh
3) Demand notice should provide within
a) 3 days from the date of NPA
b) 5 days from the date NPA
c) 7 days from the date of NPA
d) None of the above
4) What is the section for right to representation
a) Sec 13
b) Sec 13(3A)
c) Sec 13(3B)
d) Sec 13(2)
5) If Borrower giving representation after receiving Demand notice, the bank shall
reply the representation
a) within 10 days
b) within 20 days
c) within 15 days
d) within 25 days
6) Under Sarfeasi Act 2002, DM permission has to be taken for taken for taking
possesion of the Asset
a) within a period of 30 days from the date of application
b) within a period of 15 days from the date of application
c) within a period of 7 dats from the date of application
7) Notice for symbolic possession must be published in two leading newspaper
a) within 3 days from the date of possession
b) within 10 days from the date of possession
c) within 7 days from the date of possession
PART-21
1. Total no. of products under Baroda Education loan scheme – 10

2. Eligibility of Baroda Vidya (Stage – III) scheme depends on the following ;
a) Income of Parents
b) Marks obtained by student
c) Both (a) & (b)
3. Max limit for Baroda Vidya Loan
a) Rs. 10.00 Lac, b) Rs. 5.00 Lac, c) Rs. 4.00 Lac, d) None of the above
4. FOIR for calculating eligibility of Baroda Vidya Loan
a) 50%, b) 60%, c) 65%, d) 70%
5. For which of the following course, Baroda Gyan loan can’t be financed;
a) Professional courses; b) Teachers Training course; c) Certificate course;
d) Computer certificate courses of reputed institutes accredited to dept.
of Electronics
6. Max eligible limit under Baroda Gyan Scheme – Rs. 80.00 Lac for Medical
Students and aviation & Rs. 10.00 Lac for other courses
7. What is the margin for Baroda Gyan Loan limit above Rs. 4.00 Lac – 5%
8. Max loan tenure for Baroda Gyan loan – 15 years (above Rs. 7.50 Lac)
9. Extension of time for completion of course permitted for Baroda Gyan loan
– Period of 2 years
10.Whether sanctioning authority at his discretion can extent duration for
completion of course and moratorium period in that case – Yes
11.For premier Educational Institutions how many list of Institutions are there
– 4 (List AA, A, B,C)
12.For Baroda Education loan, what is the max loan limit without any security –
Rs. 40.00 Lac
13.For E/L, under Baroda Gyan scheme to students of Premier Instt, what is the
max limit with tangible 100% collateral security of full value – Rs. 80.00 Lac
14.Max loan repayment period for Baroda Gyan – students of Premier Instt up
to Rs. 7.50 Lac – Moratorium period + Max 120 installments for loans
15.Max loan repayment period for Baroda Gyan – students of premier
institutes above Rs. 7.50 Lac – Moratorium period + Max 180 installments
for loans
16.What is the max moratorium period for Baroda Gyan – students of Premier
Instt – Course period + 1 year.
17.What is the Mortgage creation charge for E/L – NIL
18.What is the max loan limit of Baroda E/L for Executive Development
Programmes – Rs.20.00 Lac
19.What is the max moratorium period for Baroda E/L - Executive
Development Programmes – Course period + 3 months
20.Max loan limit for Baroda Scholar loan for studying at Listed Premier Instt –
Rs. 80.00 Lac
21.Max loan limit for Baroda Scholar loan for studying at unlisted Premier Instt.
– Rs. 60.00 Lac
22.Margin in Baroda scholar loan for listed Premier Instt – NIL
23.Margin in Baroda scholar loan for unlisted premier instt. – 10% (for above
Rs. 4.00 Lac)
24.Who is the deviation sanctioning authority for disbursement of Baroda
scholar loan before grant of VISA – RMCC
25.Name 2 Digital DSA- s for backing up mortgage based E/l covered under
Baroda Scholar loan scheme with loan amount Rs. 7.50 Lac and above – 1.
Senbonzakura Consultancy Pvt. Ltd,2. BITC Loan services Pvt. Ltd.
26.What is the max loan limit for E/L to students of Asia Pacific Flight Academy
Ltd. – Rs. 25.00 Lac
27.What is the margin for E/L to students of Asia Pacific Flight Academy Ltd.
For loan amount Rs 4.00 Lac to Rs. 10.00 Lac – 5% - 10%
28.What is the margin for E/L to students of Asia Pacific Flight Academy Ltd.
For loan amount more than of Rs. 10.00 Lac – 25%
29.What is the max loan limit for Baroda E/L for Executive Development
Programme – Rs. 80.00 Lac
30.What is the max moratorium period for Baroda E/L for executive
Development programme – Course period + 3 months
31.As per the ELIS scheme, what is the max parental income, for which student
will get subsidy – Rs. 4.50 Lac per annum
32.What is the max limit up to which student will get subsidy in ELIS scheme –
Rs. 10.00 Lac
33.How many times eligible student will get subsidy under ELIS scheme – Once
34.Padho Pradesh is a scheme to provide interest subsidy to students of
minority communities – initiated centrally ( a Central Sector scheme)
35.What is the max limit up to which student will get subsidy under Padho
Pradesh scheme – Rs. 20.00 Lac
36.As per Padho Pradesh scheme, what is the max parental family income for
which student will get subsidy – Rs. 6.00 Lac
37.Padho Pradesh is a scheme for students who has secured admission in
approved courses at Masters, M.Phil, PhD levels in abroad
38.Skill loan scheme under Ministry of skill Development and Entrepreneurship
was launched on – 15.07.2015
39.What is the minimum and max loan limit for skill loan scheme under
ministry of skill Development and Entrepreneurship – Rs. 5,000/-, Rs. 1.50
Lac
40.What is the max loan repayment period for skill loan scheme –
a) 2 years; b) 3 years; c) 5 years; d) 7 years
41.What is the max loan limit for Bihar Student Credit Card scheme – Rs. 4.00
Lac
42.Min and Max age limit for collateral free MSE Loans/Education loan
refinance scheme promoted by NHFDC – 18 years and 60 years
43.What is the max loan limit for collateral; free MSE loans/E/L refinance
scheme promoted by NHFDC – Rs. 25.00 Lac
PART-22
 As per section 20 of the RBI Act 1934, what is the function of RBI?
Ans: To undertake The receipts and payments of Central Govt and to carry out
exchange remittance and other banking operations
 State Government transactions are carried out by RBI in terms of

agreement entered into with the State Government. Which State
government has no such kind of agreement?
1. West Bengal 2. Manipur 3. Assam 4. Sikkim
 Reserve Bank of India functions as “Banker to the Government”
 RBI maintains Principal Accounts of Central and State Govt. at its Central
Accounts Section
located at ?
1. Bhopal 2. Kanpur 3. Nagpur 4. Lucknow
 Who acts as RBI’s agent along with all public sector banks?
1.HDFC Bank 2. ICICI Bank 3.Axis Bank 4. All of the three
 Only Authorized Branches of Agency Banks can conduct Govt. Business.
 RBI pays agency banks commission for the government business which is
called?
Ans: Turnover commission
 Agency banks are paid remuneration by RBI for conduct of State/Central

Government transactions. Such remuneration is called Agency Commission
 The rates applicable from July 1, 2019 for receipts physical mode per
transaction is –
A.Rs30 B. Rs45 C. Rs40 D. None of them
 The rates applicable from July 1, 2019 for receipts e-mode per transaction is
–
A.Rs7 B. Rs15 C. Rs8 D. Rs9

 The rates applicable from July 1, 2019 for pension payments per transaction
is –
A.Rs80 B. Rs75 C. Rs90 D. Rs95
 The rates applicable from July 1, 2019 for payments other than pension per
100 turnovers is -
A.Rs0.070 B. Rs0.050 C. Rs0.065 D. None of them
 What are the benefits of Government Business?
Enhancement in CASA deposit

Enhancement in Fee Based Income
Float Income
Opportunity of cross selling of bank’s various products
 What is the total number of Authorized branches for physical collection of

Tax? 588
 For Physical Collection of Tax branches are required to verify valid

”Pan/TAN” in the challan.
 Challan tendered with cash to be accepted and stamped “Cash Received”.
 Challan is marked with 20 digit CIN generated by the system which includes
BSR code 7 digits, date of deposit DDMMYYYY 8 digit and unique serial
number of the challan 5 digit.
 Challan deposited with cheque /DD drawn on other bank branches to be

accepted and counter foil to be issued only on realization of the amount.
These challans will have double dates (date of acceptance and date of
realization). Computerized counterfoil shall be generated on the date of
realization.CIN shall bear date of tender of the instrument.
PART-23
1. When was MSMED Act operationalized?

Ans- 2nd Oct 2006
2. Loan given to Agro & food processing writs where the borrower wise.
Limit from entirebanking system is up to
Ans- Rs.100crores.
3. What is the definition of Retail Trade?
Ans- Trader must be selling the goods to the end user of the product.
4. Micro Manufacturing enterprises where investment in plant and
machinery is below.
Ans- Rs. 25lakh
5. Small manufacturing enterprise where investment in plant and
machinery Limit is?
Ans- Above Rs. 25lakh to not exceeding Rs. 5crore.
6. Medium enterprise where Investment in plant and machinery is?
Ans-Above Rs. 5crore to not exceeding Rs. 10croe
7. Implementation of Repo Rate Linked Rate to MSE (micro & small
Enterprises) from?
Ans-01.10.2019
8. Collateral Security free MSME loan up to?
Ans-10.00lakh .
9. What is the Margin requirement for term loans in case of factory land
& Building?
Ans-30%
10.What is the margin requirement for term loans in cars of plant
machinery & equipment?
Ans- 25%
11.What is the margin requirement for the term loans in care of second
hand imported machinery?
Ans- 40%
12.What is the margin requirement for working capital in case of stock &
receivables ?
Ans-25%
13.What is the for margin requirement working capital in case of Export
credit pre-shipment?
Ans- 10%
14.What is the margin requirement for working capital in case of Export
credit post-shipment?
Ans-nill
15.Maximum loan sanction under baroda E Business pack is

A 50 lacs b. 100 lacs . c 500 lacs. D. 1000 lacs
Answer – c
16.Minimum gap between two drawals is baroda SME gold card

is_______________ days 15
A. 30 b. 10 c. 90 d. 15
Answer c 15 days
PART-24
1. Latest Guidelines by RBI for Harmonisation of Turn Around Time and

customer compensation for failed transactions using authorized Payment
Systems vide RBI Circular no. RBI/2019-20/67DPSS.CO.PD
No.629/02.01.014/2019-20 was issued on
a)20th July,2019
b)20th August,2019
c)20th September,2019
d)20th October,2019
2. All complaints regarding Debit Card Issuance, ATM/CR,POS-ECOM have to

be resolved within….days.
a)T+1
b)T+5
c)T+2
d)T+7
3. All complaints regarding IMPS/NEFT have to be resolved in …..days.
a)T+1
b)T+2
c)T+5
d)T+7
4. All Financial and Non-Financial UPI complaints should be resolved within

….days.
a)T+1
b)T+2
c)T+5
d)T+7
5. Financial Net Banking Complaints should be resolved within …. days.

(Non –Financial: T+2)
a)T+1
b)T+2
c)T+5
d)T+7
6. Longest TAT of T+35 days is taken by which type of Complaint:
a)Gift Card & Reloadable Card

b)Travel Easy Card
c)Both a & b
d)Neither a or b
7. In case of Unauthorized Electronic Transaction reported within 4- 7 days,where

neither Bank nor customer is responsible, Maximum Liability of a i)SBA, ii)
CA,CC,OD of MSME’s iii) CA,CC,OD of individuals Avg balance Rs.25Lakhs, iv)Credit
Card Limit upto Rs.5 lakhs is
a)Rs. 5000/-
b)Rs. 10000/-
c)Rs. 25000/-
d)Rs. 50000/-
(BSBD: Rs.5000/- & Credit Card above Rs. 5lakhs limit & all other accounts: Rs.
25000/-)
8. A “Failed Transaction” includes:

a) Non-availability of cash in ATM.
b) Failure in Communication links ,Session time out
c) Lack of full information ,delay in initiating reversal transaction.
d) All of the above.
9. Failed Cash Withdrawals,POS,ECom involving Debit Cards have max TAT of:
a) T+1
b) T+2
c) T+5
d) T+10
(Card to Card: T+1)
10. Failed transactions involving UPI,NACH ,APBS and On Us PPI txn are to be
reversed within….days.
a) T+1
b) T+2
c) T+5
d) T+10
PART-25
1 Which year SCSS introduce?
Ans. November 2004.
2 What is tenure for SCSS ? Is it extend ?

Ans: 5 Years. It extend for 3 years.
3. What is Minimum and maximum amount under SCSS ?
Ans. Minimum Rs. 1000.00 and Maximum Rs. 15 Lacs deposit under SCSS.
4. What are the minimum age require investment under SCSS ?
Ans.Minimum age required 60 years and above.
5 Who can invest under SCSS at the age of 55 years and 50 years.
Ans Who has retired on superannuation or under VRScan invest at the age
of 55 years and
people retiring from defence services are eligible to invest in the scheme
age of 50 years.
6 Who can not open SCSS at the age of 60 and above?
Ans. NRI, PIO and HUF can not open SCSS.
7 Is SCSS Account open Jointly ?
Ans. SCSS Account open Jointly only with spouse.
8. What is the Rate of interest of SCSS ?
Ans. At present Rate of interest is 8.60%.
9. What is the minimum period of pre-mature SCSS and penalty ?
Ans Minimum period for premature is after 1 year. 1 year to 2 years

penalty 1.5% on deposit
amount. Above 2 years 1.0% of the deposit amount.
10. Is SCSS deposit can be pledge ?
Ans. No SCSS deposit can not be pledge and hence loan cannot be availed
against SCSS Account.
11. How many person can be nomination ?
Ans. One or more person can be nomination under SCSS Account.
12. Is SCSS Account benefit under 80C of the Income Tax Act 1961 ?
PART-26
In which Sovereign Gold Bond (SGB) scheme was launched?

1. 2012
2. 2014
3. 2015
4. 2016
Q2. Which among following is/are primary motive of government behind

introducing the Sovereign Gold Bond (SGB) scheme?
a) To reduce the import of Gold
b) To increase the export of Gold
c) To maintain the country’s current account deficit
d) To finance the social security schemes of the government
Select the correct answer from the following options:
1. Only a and c
2. Only b and d
3. Only a, b and c
4. All are correct
Q3. Who issues the Sovereign Gold Bond?

1. India Bullion and Jewellers Association
2. Bureau of Indian Standards
3. Ministry of Finance
4. Reserve Bank of India
Q4. What is minimum quantity of gold that can be subscribed under the
Sovereign Gold Bond Scheme?
1. 1 gm
2. 5 gm
3. 10 gm
4. 25 gm
Q5. What is the maximum quantity of gold that can be issued to

individual/HUF?
1. 500 gm
2. 4 kg
3. 10 kg
4. 20 kg
Q6. What is the maximum quantity of gold that can be issued to trust?
1. 500 gm
2. 4 kg
3. 10 kg
4. 20 kg
Q7. What percentage of interest is payable on SGB?

1. 1%
2. 2%
3. 5%
4. 4%
Q8. Which among the following is not an authorised agency to sell SGB?
1. Nationalised Banks
2. NABARD
3. Designated Post Offices
4. Stock Holding Corporation of India Ltd
Q9. What is the tenor of Sovereign Gold Bond?

1. 5 years
2. 7 years
3. 8 years
4. 10 years
Q10. Afer how many years from the date of issue of the bond, the early
redemption of bond is allowed?
1. 5
2. 6
3. 7
4. 8
PART-27
1. Choose the facilities/ facility available to finance SHGS/ JLGS in partnership

with corporate BC
a) Term Loan
b) Cash Credit
c) Over draft
d) All of the above
2. The minimum cash credit limit available to the eligible SHGs/JLGs under
NRLM
a)2 lac
b)3lac
c)4lac
d)5lac
3. Choose the correct time period to avail cash credit facility available to
SHGs/JLGs on stage wise withdrawal limit.
a) 1year
b)2years
3)4years
4)5years
4.DP for First year to SHGs/JLGs for CC facility is ------6-------------times of existing

corpus or minimum of Rs.------------1------lakh whichever is higher.
5. DP for Second year to SHGs/JLGs for CC facility is --------8-----------times of the

corpus at the time of review or minimum of Rs.---------2---------lakh whichever is
higher.
6.DP for third year onwards , minimum of Rs 3 lakh based on the ---------micro
credit plan---------------prepared by SHGs/JLGs and appraised by the
---------corporate BC---------and the previous credit history.
7. DP for fourth year onwards , minimum of Rs.-------5 lakh------- based on the

micro credit plan prepared by SHGs/JLGs and appraised by the corporate BC and
the previous credit history.
8.Minimum and maximum loan limit for SHGs/JLGs
a)1 lakh , 10 lakh
b)50000, 10 lakh
c)1lakh, 15 lakh
d)50000, 15 lakh
9.Maximium loan limit to individual members of SHGs/JLGs----1 lakh------
10.Margin available for SHGs/JLGs is NIL upto -----10-----lakh
11.Above 10 lakh the margin available to SHGs/JLGs is ------15%------------
12.ROI for SHGs financing upto 3lakh is MCLR+Strategic premium+-------------------

0.50%
13. ROI for SHGs financing above 3lakh to 15 lakh is MCLR+Strategic

premium+----------1.25%---------
14. Security is not required for loan upto -------------10lakh---------------for SHGs.
15.The repayment facility to SHGs/ JLGs to avail TL/DL may vary from
-------24months-------to ---84 -----------months.
16.No loan processing charges or documentation or inspection charges required

for loan limit upto Rs----------RS 25000---.
17.All SHGs/JLGs members shoukd be covered under available social securities like
a) PMSBY
b)PMJJBY
c)APY
d) All of the above
18.Grading norms required to qualify SHGs is done by ---NABARD------------------
19.The minimum grading required for SHGs to qualify
a) 50
b)60
c)70
d)80
20.To finance SHgs/JlGs it is required to be in active existence at least for the past
-------6-------months.
21.To finance second hand four wheeler by a farmer , the vehicle must not be
older than
a)3 years old
b)5 years old
c)4 years old
d)7 years old
22.Minimum land holding required for farmers to avail four wheeler loan is
a)4 acres perennially and 6 acres seasonally
b)4 acres perennially and 8 acres seasonally
23.Who is authorized to reduce the land holding limit requirement for farmers to
avail four wheeler loan?And by how much?ZONAL HEAD UPTO 50%
24.What is the age limit for farmers to avail four wheeler loan?21 YEARS TO 65
YEARS
25.Who can be the co-borrower in case the farmer’s age exceeds 60 year? SON
26.Maximum loan amount for farmers to avail four wheeler loan ?
a) incase of new vehicle 15 years
b)incase of old vehicle. 10 years

27.What is the eligibility criteria for farmers to avail four wheeler loan?
a)Farm Income-4 times of net annual income OR 2 times of total annual farm
receipts/value of crops
Whichever is lower
OR
b) Other Income/ Income from allied activities-3 times of net anticipated annual
income/profit from economic activities/allied activities
28.The margin allowed for farmers to avail four wheeler loan
a) incase of new vehicle-15%
b)incase of old vehicle-40%
29.What is the ROI for farmers to avail four wheeler loan?MCLR +Strategic
Premium+0.25%
30.The repayment period of four wheeler loan availed by a farmer
a) incase of new vehicle- 7 years
b)incase of old vehicle- 4years
31.Car dealers can be paid at the rate of -------1------% of car loan amount to
farmers.
32.Car sale sexecutives to be paid Rs.---------1000-------------
33.What is the age limit for farmers to avail two wheeler loan?21 years upto 65
years
34. How the limit eligibility criteria is assessed for farmers to avail two wheeler
loan?
a) Farm income- 6times of net annual income OR 3 times of total annual farm
receipts /value of crops,
Whichever lower
b) Other income/ income from allied activities-3 times of the net anticipated
annual income/profit from economic activities/allied activities
35.The margin allowed for two wheeler loans to farmers is ----10%--------
36.The maximum period by which the loan to farmers for two wheeler can be
repaid?5 years
37.Farmers can be financed for silos/godowns for storage of agri products, the
loan can be given at DBFOT basis at PPP model. What is the abbreviation of
DBFOT?
Design , Build, Finance, Operate and Transfer
38. What is the minimum and maximum limit to avail silos/ godown loans?
Min limit Rs 10 cr
Max limit Rs 100cr
39.The margin allowed to avail agri products storage facility loans to farmers
under
a)Term loan-20%
b) stocks and receivables-25%

40. Waiver of TEV study can be availed only after the project is vetted by
-------Technical Officer-----------posted at the zone.
41.The maximum repayment period for silos/godown loan to farmers is

----------15years--------
42.What is the penalty for prepayment of the loan?
2% pa on the balance amount of loan for the residual period of prepayment
43.The concession applicable for unified processing charges and documentation

charges is ----50----% to finance farmers for silos/godowns. In case of takeover
loan the concessation can be extended to ----75%----% if the zonal head allows.
44.Two valuation is required for property valued Rs ----5cr------- and above. The
-------lower------- of the two valuation is to be considered.
45.For loans to silos/ godown sanctioned amount upto --------100cr--------- to be

considered to be classified under agriculture sector.
46.SHGs may be sanctioned savings linked loans by banks ,varying from a savings
to loan ratio of –1:1------- to -----1:4-------
47.For loan to new SHGs DLP to consider clean loan for
a) JMGS-I -5lakh
b)MMGS-II -5lakh
c)MMGS-III-10 lakh
PART-28
1. What is target/sub target for advances to weaker section? 10 PERCENT OF

ANBC
2. Ramesh has 1.75 hectares. He is? SMALL FARMER.

3. Timeline for disposal of application at ro/zo Level? 15 WORKING DAYS.
4. Who should give prior concurrence for rejection of loan application of sc/st
beneficiaries? NEXT HIGHER AUTHORITY.
5. What is margin for Agri clinic up-to rs. 5.00 lakh ? Nil
6. When short term crop loan becomes npa? 2 crop seasons.
7. Age for bkcc? 18 to 65 years.
8. Bkcc gold eligibility? Banking relationship for more than 5 years.
9. Cotton ginning unit More than 50.00 crore will be classified as? MSME
10.Concession in roi given to Bkcc gold farmers? 0.50 PERCENT
11.Who is authority for increase in amount in car loan given to farmers?

ZONAL HEAD.
12.Time period for new car loan to farmers? 7 years.
13.Which cc is pledged? WAREHOUSE CC.
14.Margin for loans up-to one lakh in agriculture? Nil
15.What is target/sub target for priority sector? 40 PERCENT.
PART-29
The BOBRAM model is applicable to MSME account having exposure of above rs.
(a) 25 lacs (b) 50 lacs (c) 1 cr (d) 2 cr.
2. Our bank has entered into MoU with credit rating agencies to get our SME
borrowers rated.
(a) CRISIL (b) ICRA (c) CARE (d) all of these.

3. In MSME loans which CPV( contact point verification) empanelled by retail
banking department ?
(a) Riddhi corporate services Pvt. LTD.
(b) CRUXBPO service Pvt. LTD.
(c) PAIMAC finserve Pvt. LTD.
(d) All the above.
4. Maximum limit sanctioned under stand up India scheme ?
(a) 100 lacs (b) 50 lacs (c) 25 lacs (d) 10 lacs.
5. Minimum limit sanctioned under stand up India scheme ?
(a) 50 lacs (b) 1 lacs (c) 10 lacs (d) 0.50 lacs.
6. The entire loan component under Stand up India would be eligible to refinance
by...............?
(a) NABARD (b) SIDBI (c) Govt.of India (d) RBI.
7. Stand up India scheme introduced for which target community?
(a) SC (b) ST (c) OBC (d) a & b.
8. Type of PMMY loan depending on the loan amount.
(a) Sishu (b) Kishore (c) Tarun (d) All of these.
9. Maximum loan amount sanctioned under PMMY scheme in Sishu category is ?
(a) 10000/ (b) 50000/ (c) 100000/ (d) 200000/
10. Full form of BRLLR.
(a) Baroda repo link lending rate.
(b) Baroda repo link lending ratio.

(c) Baroda repo link launch ratio.
(d) None of these.
PART-30
1. Full form of DSS Ans: Digital signage system

2. Which debit card cum prepaid card is called as “One Nation One Card” Ans: Rupay National
Common Mobility Card
3. Who can avail Baroda Mudra Card Ans: Borrower who avail working capital facilities under
Pradhan Mantri Mudra Yojana (PMMY)
4. Baroda Flash N Move+ contactless Debit card based on “Near Field communication (NFC)
Technology”
5. What is the ATM cash withdrawal limit of Baroda Visa Platinum International Debit card Ans:
100000/
6. What is e –Surveillance system Ans: Electronic surveillance is the monitoring of a ATM
site,Branch lobby etc. using CCTV,Digital Video equipment,various sensors ,electronic and
audio visual means.
7. What is purchase limit at POS for Baroda Rupay Platinum International debit card Ans: 100000/
8. Who can avail Baroda World Rediance(Mastercard contactless)Debit Card Ans:HNI Customers
maintaining QAB balance of 50 lacks
9. What is the mobile number for SMS Banking/ Missed call Facility in Bank of Baroda
Ans:8422009988
10. Full form of MFK Ans:Multi Function Kiosk
11. Who is passbook vendor of BOB Ans: M/s Seshaasai
12. Baroda Rupay champ combined limit including ATM/POS/Ecom is 3000/
13. What is the daily limit of Baroda Mudra Card ATM transactions Ans:5000
14.what is the turnaround time of Debit card issuance Ans:T+5
15.Which technological model is used for E-surveillance solution in BOB Ans:OPEX MODEL
PART-31
Minimum QAB for Baroda Advantage Current A/c is : M-10000/-, U-5000/, SU/R- 2000/
Q2. Minimum balance charges for Baroda Advantage Current A/c : M-800/+GST, U-600/+GST,SU& R-
400/+GST
Q3. Concession on Remittance DD/BC for Baroda Advantage Current A/c : No Concession
Q4. Who can not open Baroda Premium Current A/c : NRI,OCB, Minor, Bank Financial Institution.
Q5. Sweep will carried out on every : Monday
Q6. Minimum QAB for Baroda Premium Current A/c:Rs 75000/
Q7. Concession on Remittance DD/BC for Baroda Premium Current A/c: 50%
Q8. Minimum QAB for Baroda Premium Current A/c privilege: Rs 250000/-
Q9. Concession on Remittance DD/BC for Baroda Premium Current A/c privilege:100%
Q10. Baroda Current A/c Exchange house is an office A/c , Not for customer , Scheme code: CA113
Q11. Baroda local Main office/Local Branch Current Account is an office A/c, participating in clearing
where CBO not available, aslo called LBO, Scheme Code: CA114
Q12. Baroda Current A/c Exempt Inter Sol (CA117) is designed for : large corporate customer where QAB
is Rs 10000/ .
Q13. Baroda Small Business Current Account (CA124) Minimum QAB Rs 2500/-
Q14. Baroda Start up Current Account(CA127) for Private ltd company, Partnership Firm having turnover
not more than : 25 crore.
Q15. Baroda Start up Current Account(CA127) Min QAB Rs 75000/-
Q16. POS , Bharat QR concession for Baroda Start up Current Account : 50%
Q17. Baroda Scale up Current Account (CA 128) Min QAB Rs 250000/
Q18. Minimum balance charge for Baroda Scale up Current Account : NIL for 1 st year.
Q19. Baroda Advantage Savings A/c Scheme Code SB101 , in case of Minor account maximum amount
can be kept is, Rs 100000/-
Q20. Locker rent Charge for Baroda Staff salary Account(SB112) : 50% discount to Staff/Ex Staff .

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PART-1

1. Min QAB of super savings account for metro branches?

2.Non maintenance charges of QAB of super savings account?

4. What is the period of FFD in super savings account?

Ans. 181 days

5. What is the threshold limit of AutoSweep in super savings account?

6.AutoSweep of super savings happens on which day of the week?

8.What is the scheme code of Baroda super savings account?

9. What is the scheme code of Baroda Capital Gain 1988 Scheme?

Ans. Rs 10000/- to Rs 50000/-

Ans. Rs 50000 to Rs 100000/-

Ans.Rs 100000- Rs 200000/-

Ans. Rs 200000 & above

19. What is the limit of immediate collection of outstation cheques in Baroda

Ans. 100% subjected to recovery of Rs 7500/- as out of pocket expenses of per

Ans. Motor Accident claims Term Deposit.

31.What is the QAB of Baroda Mahila Shakti SB account in Urban/Metro

36. What is the scheme code of Baroda MACT claims SB account?

40. Maximum balance in Baroda no frill account should not exceed?

42. What is the QAB of Baroda Centenary Savings account?

43. What is the threshold limit of AutoSweep in Baroda Centenary Savings

45. Scheme Code of Baroda Centenary Savings account?

Ans. Baroda Govt Scholarship/DBT account (SB 138)

48.What is a type of SB account that would be opened without officially valid

Ans. Baroda Small SB account (SB 136)

49. What is the withdrawal ceiling in a month in Baroda Small SB account?

50. What is the scheme code of Baroda home linked SB account?

51. What is the scheme code of Baroda Champ SB account?

53. What is the scheme code of Baroda Platinum SB account?

54. What is the threshold limit of AutoSweep in Baroda in Platinum SB account?

55. What is the QAB of Baroda Platinum SB account?

1. Baroda Connect customers are classified as

9. Whose signature is sufficient for application of net banking by Public/Pvt ltd

 customers personal information

15. Finacle menu for creating customer id of Corporate customers

16. Net Banking Facility can be provided to NRI customers.

a) online linking and credit to sukanya samriddhi account

 4.5 and above

1.What is the primary eligibility of bkcc tatkal loan?

Ans: existing bkcc customer.

2.What are types of facilities available under tatkal loan?

Ans: term loan/overdraf

3.Max repayment period for term loan under tatkal loan?

Ans: 1.6 lacs.

Ans: internal rating BOB6

External rating BBB.

Ans: min 10 lacs

Maximum 100 lacs(rural)

300 lacs(semi urban)

400 lacs(urban &metro).

8.What is age limit for availing gold loan ?

9. what is the max limit of gold loan for an individual?

10.What is the margin required in gold loan?

11. What is the repayment period of gold loan?

How many point vision in the last Budget (2018-19)- 10 points

3. Blue economy is related to - Water, Water Management and Clean Rivers

5. Emphasis of Make in india programme for- MSMEs, START UPS, DEFENCE