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Culture Documents
Under Risk based pricing, Bank can consider Home Loan at Base Rate if
borrowers CIBIL score is ---a. 800 and above b. (-1) or (0) c. 760 to 800 d. 700 to 760 e. More than 675
If Gross monthly income is `5.00 lacs and above, total allowable deductions
including proposed EMI of Home Loan should not exceed ______
a. 50%
b. 60%
c. 65%
d. 70%
e. 75%
What is the cut off on CIBIL score for sanction of a Home Loan or Car Loan for
existing customers without taking for deviation to RMCC/ZOCC?
a. 750
b. 725
c. 700
d. 675
e. 650
13.Credit Card default of small amount ie, less than ________ can be reviewed
by the respective authority while considering deviation in Bureau Score. a.
`2,000/b. `3,000/c. `5,000/d. `10,000/e.
`15,000/14.What is the Home Loan limit for drawing Credit Information Reports from
two Credit information companies (CIBIL & Equifax)
a. Limit above `10 lacs
b. Limit above `20 lacs
c. Limit
above `25 lacs d. Limit above `30 lacs
e. none of these
15. What is the maximum loan amount and repayment period for Home
Improvement loan as per revised guidelines?
a. `10 lacs & 10 years b. `20 lacs & 10 years c. `25 lacs & 15 years d. `25
lacs & 10 years e. `50 lacs & 15 years
16. Ms Shalini, a salaried lady drawing a Gross monthly salary of `1,00,000/has approached your branch for a Car Loan. What would be her limit for Car
Loan as per Income criteria? b. `15.00 lacs
b. `24.00 lacs
c `30.00
lacs
d. as per CIBIL Score
e. `36.00 lacs
17. What is the number of times of average Gross annual income to be
calculated for arriving the limit for Car Loan to a non-salaried person? a. 2
times
b. 3 times
c. 4 times
d. 5 times
e. 6 times
18. As per revised guidelines what are the factors that decide the Loan to
Value (LTV) ratio while financing a car? (i) Car segment
(ii) Income
level
(iii) period of loan
(iv) Quantum of Loan a. (iv)
b. (i) & (ii)
c. (i) & (iii)
d. (ii) & (iii)
e. (iii) & (iv)
19. What is the minimum margin stipulated by the bank as per revised
guidelines for Car loan? a. 5%
b. 10%
c. 15%
d. 20%
e. nil margin
20. If Gross monthly income is `1.50 lacs and above, total allowable
deductions including proposed EMI of Car Loan should not exceed ______
a. 40%
b. 50%
c. 60%
d. 70%
e. 80%
Under Risk based pricing, Bank can consider Home Loan at Base Rate if
borrowers CIBIL score is ---a. 800 and above b. (-1) or (0) c. 760 to 800 d. 700 to 760 e. More than 675
If Gross monthly income is `5.00 lacs and above, total allowable deductions
including proposed EMI of Home Loan should not exceed ______
a. 50%
b. 60%
c. 65%
d. 70%
e. 75%
What is the cut off on CIBIL score for sanction of a Home Loan or Car Loan for
existing customers without taking for deviation to RMCC/ZOCC?
a. 750
b. 725
c. 700
d. 675
e. 650
Credit Card default of small amount ie, less than ________ can be reviewed by
the respective authority while considering deviation in Bureau Score.
a. `2,000/b. `3,000/c. `5,000/d. `10,000/e.
`15,000/What is the Home Loan limit for drawing Credit Information Reports from two
Credit information companies (CIBIL & Equifax)?
a. Limit above `10 lacs
b. Limit above `20 lacs
c. Limit
above `25 lacs d. Limit above `30 lacs
e. none of these
What is the maximum loan amount and repayment period for Home
Improvement loan as per revised guidelines?
a. `10 lacs & 10 years b. `20 lacs & 10 years c. `25 lacs & 15 years d. `25
lacs & 10 years e. `50 lacs & 15 years
Ms Shalini, a salaried lady drawing a Gross monthly salary of `1,00,000/- has
approached your branch for a Car Loan. What would be her limit for Car Loan
as per Income criteria?
a `15.00 lacs
b. `24.00 lacs
c `30.00 lacs
d. as per CIBIL Score
e. `36.00 lacs
What is the number of times of average Gross annual income to be
calculated for arriving the limit for Car Loan to a non-salaried person?
a. 2 times
b. 3 times
c. 4 times
d. 5 times
e. 6 times
As per revised guidelines what are the factors that decide the Loan to Value
(LTV) ratio while financing a car?
(i) Car segment
(ii) Income level
(iii) period of loan
(iv)
Quantum of Loan a. (iv)
b. (i) & (ii)
c. (i) & (iii)
d. (ii) & (iii)
e. (iii) & (iv)
What is the minimum margin stipulated by the bank as per revised guidelines
for Car loan? a. 5%
b. 10%
c. 15%
d. 20%
e. nil
margin
If Gross monthly income is `1.50 lacs and above, total allowable deductions
including proposed EMI of Car Loan should not exceed ______
a .40%
b. 50%
c. 60%
d. 70%
e. 80%
How the repayment capacity will be arrived ie, maximum allowable
deductions for a non-salaried person under Home Loan?
a. annual salary to be converted to monthly
b. three brackets of Average Annual Income upto `2.40 lacs, `2.40 to `12
lacs & more than `12 lacs
c. two brackets of Average Annual Income upto `6.00 lacs and more than
`6.00 lacs
d. three brackets of Average Annual Income upto `3.00 lacs, `3.00 to `8 lacs
& more than `8 lacs
e. two brackets of Average Annual Income upto `5.00 lacs and more than
`5.00 lacs
RBI has revised the LTV ratio at 90% for Home Loans upto ______ .
a. `15 lacs
b. `20 lacs
c. `25 lacs
d. `30 lacs
e. `35 lacs
What is the minimum and maximum eligible limits under Baroda Traders
Loan to Commission Agents, a new scheme under Baroda Traders Loan?
a. As applicable for Baroda Traders Loan
b. Min `25,000/-, Max `100 lacs for Rural/SU/Urban and `200 lacs for Metro
c. Min `25,000/-, Max `200 lacs for Rural/SU/Urban and `300 lacs for Metro
d. Min `25,000/-, Max `200 lacs for Rural/SU/Urban/Metro e. Min `25,000/-,
Max `100 lacs for Rural/SU/Urban and `300 lacs for Metro
What is the limit under Baroda Traders Loan for getting external Credit
Rating?
a. > `3.00 Cr
b. > `4.00 Cr
c. > `5.00 Cr
d. > `6.00 Cr
e. not
mandatory
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%
The minimum amount of loan under AAA facilitya)`0.25 lacs b) `0.50lac
c) `1.00lac d) `Rs.2.00lac e) `5.00lac
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
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
What is the minimum amount of loan under Baroda Loan against Gold
Ornaments (non-agri purpose) at metro/urban branches?
a. `0.25 lacs
b. `0.50 lacs
c. `0.75 lacs
d. `1.00 lacs e. no such
minimum stipulation
What should be the minimum stipulated margin on the value of property in
our Retail Product, Baroda Ashrey?
15%
b) 20%
c) 25%
d) 30%
e) 40%
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
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
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
Baroda Ashray Loan, the mortgaged property is to be revalued at an interval
of every ____ years during the entire period of loan
a. 5
b. 4
c. 3
d.2
e. 1
What is the maximum limit under loan to Professionals as a Retail borrower?
Which of the following activities can not be considered for Baroda Doctor
Loan
a. For setting up of clinic cum house b. for Renovation of clinic/Hospital c.
for pursue of Higher Studies d. for Purchase of Car e. for purchase of
Laptop/computer
In the Take over accounts of Baroda Traders Loan, the minimum current ratio
should be a. 1.77
b. 1.50
c. 1.33
d.1.17
e. 1.10
Under Baroda Ashrey Loan, a lumpsum of _____can be disbursed as per his
sanctioned limit.
a. 10 % of the Limit sanctioned
b. 15% of Limit sanctioned
c. 20%
of limit sanctioned
d. 25% of limit sanctioned
e. No such limit
Repayment of loan against NSC can be allowed at the time of maturity out of
the proceeds of the instrument but margin in such case would be minimum
a. 10%
b. 15%
c. 20%
d. 25%
e 30%
In a rural branch headed by scale III officer, one current account customer is
maintaining an average balance of `50,000/- and the turnover during the
year is `6,00,000. What amount of TOD this customer can be sanctioned?
a. `12,500/b. `25,000/c. `50,000/d.
`1.50 lacs
e. No TOD in a Rural Branch
The salaried applicant/co-applicant (whose income is considered for Home
Loan eligibility) should be employed for a minimum period of ______
a. 6 months
b. 1 year
c. 2years
d. 3 years
e. no
such period
The applicant/co-applicant (whose income is considered for Home Loan
eligibility) who is non-salaried should be engaged in the business for a
minimum period of ______
A. 6 months
b. 1 year
c. 2years
d. 3 years
e. no
such period
Upto what maximum age our Bank considers loan to Pensioners?
a. 60 years
b. 65 years
c. 70 years
d. 75 years
e. 80
years
What is the maximum ceiling in our Bank for loan to Pensioners?
a. `1 lac to General Pensioner and `2 lacs to Defense Pensioners b. Maximum
`5 lacs for all Pensioners c. Upto the age limit of 65 years `5 lacs and
above 65 years `3 lacs d. Upto the age limit of 70 years `8 lacs and
above 70 years `5 lacs e. Maximum `8 lacs for all Pensioners
The number of times of monthly pension a Pensioner is eligible for loan?
a. 10 times
b. 12 times
c. 15 times
d. 18 times
e. 20 times
What is the maximum ceiling in our Bank for loan to Family Pensioners?
a. `0.50 lac to General Family Pensioner and `1 lac to Defense Family
Pensioners
b. Maximum `3 lacs
c. Upto the age limit of 65 years `5 lacs and above 65 years `2.50 lacs
d. Upto the age limit of 70 years `3.00 lacs and above 70 years `1.50 lacs
e. No loan based on Family Pension
What are the features of Baroda Home Loan Suraksha Personal Loan?
a. For funding life insurance premium of Group credit life insurance for regular
home loan borrowers
b. Can be availed by the new/existing home loan borrowers
c. A separate product unlike hitherto practice of making premium component
as part of home loan
d. Maximum repayment period upto of the regular home loan account or
residual period of home loan whichever is less
e. All the above
What is the maximum repayment period allowed under the scheme
guidelines for Baroda Premium Personal Loan?
a. 24 months
b. 36 months
c. 48 months
d. 60 months
e. 84 months
What are the maximum eligible limits under Baroda Doctors Loan?
a. `5.00 lacs for R/SU and `30.00 lacs for Urban/Metro b. `10.00 lacs for R/SU
and `50.00 lacs for Urban/Metro c. `15.00 lacs for R/SU and `50.00 lacs for
Urban/Metro d. `25.00 lacs for R/SU and `75.00 lacs for Urban/Metro e. `25.00
lacs for R/SU and `100.00 lacs for Urban/Metro
What is the stipulated margin on immovable properties accepted as security
for Baroda Doctors Loann?
a. 20%
b. 25%
c. 30%
d. 35%
e. 40%
Which of the following is NOT true about Baroda Mortgage Loan?
a. Minimum gross annual income should be `60,000/b. b. Activity clearance is required to be obtained from RO for any limits
fresh/increase
c. Minimum gross annual income of `5.00 lacs for the NRI borrowers
d. NRIs are not eligible for OD limit
e. All all true
The assessment of level of risk and its direction is as per the Risk Matrix
prescribed by:
1. The Audit Committee of the board
2. RBI
3. Annually by GM, Inspection and Audit
4. Finance ministry
1.
2.
3.
4.
1200-1501
1201-1501
1201-1500
1100-1500
True or false
1. Stock /Book-Debt audit will not be applicable for borrower having no
Working Capital facilities. As such Stock /Book- Debt Audit is not be
applicable for facilities sanctioned under Baroda Traders Loan scheme (
true)
3. Internal Auditors
4. ZIAD Representative
Spot Rectification of irregularities by the branch staff as encourage to
inspecting officers at the time of Inspection of branches comes under the
recommendation of :
1. Our BANKS own initiative
2. Jilani Committee Recommendations
3. Ghosh Committee Recommendation s
4. All of the above.
Zonal Inspection Centres would ensure that Inspection Reports are submitted
within a maximum period of __________ days from the date of conclusion of
the inspection.
1.
2.
3.
4.
30 days
-1- month from the date of formalisation
60 days
45 days
True / False :
1. The competent Authority for recommending Closure of (FACC) for RBO /
Contact Center is Reional Head and Competent Authority for closure of
FACC is General Manager (CIAD) , False
2. The competent Authority for recommending Closure of (FACC) for
SMELF/RLF/CSO/CBO is Reional Head and Compentent Authority for
closure of FACC is ZIAD . TRUE
3. The competent Authority for recommending Closure of (FACC) for All
very high /exceptionally high risk branches is Zonal Head and
Compentent Authority for closure of FACC is ACE through GM (CIAD) .
True