Questions from various Promotion Tests conducted by our Bank in recent years

(as memorized by our Staff)

JMGS I to II held on 11.03.2012

1..Maximum extraordinary leave can be sanctioned for _____
Ans: 360 days
2.Baroda Health covers self,spouse and________ children.
Ans: two children
3.Minimum amount that can be remitted through NEFT is _____ and RTGS is ____
Ans: `1/- & `2.00 lacs
4.Staff are eligible for Home improvement loan.--True / False.
Ans: False
5.Bank does not finance for second hand tractor--True / False
Ans: False
6.For pensioners, Life certificate is obtained every year in January--True / False.
Ans: False (Correct month is November)
7.The name of reverse mortgage product in our Bank is____________
Ans: Baroda Ashrey
8.Bank's motto for the F/Y 12-13 (of course irrelevant now)
Ans: F/Y 15-16 Race Ahead from Good to Great
9.Maximum limit for a housing loan for classification under priority sector :
(a) `10 lac (b) `25 lac (c) `50 lac (d) No limit
10.The following is not the duty of FEMA :
Ans: imparting training to Bank officers in Foreign Exchange department.
(b).....(c).......(d)......
11.The following are non fund based income :
(a) Guarantee (b)LC (c)Baroda health (d) all three
12.Maximum limit for agri clinics for Group and Individual is:
Ans: `100 lacs & `20 lacs
13.Which of the following is direct agriculture:
(a) advance to allied activities (b) Giving agri implements for hire
(c) loans to agri clinics
14.Who is not a NRI :
(a)Person working for UNO (b)Person gone abroad for studying
(c)Person gone abroad for business promotion
15."Good Will" is _________ type of asset:
(a) Intangible (b) Fixed (c) Current (d) None of these
16.ASCROM stands for Asset Classification & Credit Monitoring
17.The maximum amount of LABOD can be given in FCNR(B) depost :
(a)No limit (b)`100 lac (c)`50 lac (d) `10 lac
18.Under MSME sector, Investment ceiling for Medium Enterprises in P & M in Mfg &
service :
Ans: `10 Cr & `5 Cr
19.Maximun limit for repair & renovation of dwelling units for PS classification:
(a) `2 lac in Rural/Semi urban (b) `5 lac in U/M (c) Both (a) and (b)
(d) None of the above.

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1
CLERK TO JMGS-I on 23.12.12

1. The maximum limit for housing loan in metro and rural?

Ans: `300 lacs & `100 lacs
2. Expansion of CIBIL?
Credit Information Bureau of India Ltd.
3. Expansion of LIBOR?
London Interbank Offer Rate
4. What is the per transaction limit in gold combi debit card?
this card is not issued now, can see other card limits
5. What is the per day limit for platinum debit card?
this card is not issued now, can see other card limits
6. What was the position held by Monthek Singh Ahluvila in planning commission?
Ans: Dy Chairman
7. What is the maximum period for RD?
Ans: 120 months
8. What is the finacle menu used for giving Adhoc limit for the account opened with scheme code
CA101?
Ans: ACTODM
9. What is the finacle menu for marking NPA for an account?
a) nparpt b) meac c) bobmeac
Now, branch can not modify an account for NPA (Packing Credit MEAC at branch level)
NPA to Standard menu CC/OD/Loan - BOBMEAC
10.What is the finacle menu for printing office gl & pl accounts?
Ans: ACLPOA
11.What is the net profit of BOB for the year 2011 -12?
Ans: `4,541 Cr (2013-14)
12.What was the overall total business target for BOB for the financial year 2012 - 13?
Ans: TEN TRILLION (13-14)
13.What is the time period for staff to avail festival advance?
a)once in a year b) once in 11 months c) month-wise d) daily
14.Mr.X is a NRE and his wife lives in Ahmedabad, what type of account can they open?
a) sb, E or S b) sb, Former or survivor c) jointly d) can't open
15.How many transactions can be viewed by M-connect user in a GSM set?
Ans:- -8-
16.What is the transaction limit for M-connect user?
Ans: `50,000/-
17.M-connect customers can transfer funds to other bank customers through?
a) imps b)neft c) a & b d) none
18.What is mishing?
Ans: Trying to get confidential information through Mobile
19.How many transactions can be viewed in mini statement using Baroda Connect?
20.Which section of the act defines payment in due-course?
Ans: Section 10 of NI Act
21.What is the criteria for classifying an account as NPA?
Ans: Due for interest & instalment more than 90 days (DL/TL)
Account out of order (CC/OD)

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2
JMGS-I & II MAY 2013.
1.what is the margin for New/Old tractor loan
Ans: 10% & 20%
2. SMELF means what?
Ans: SME Loan Factory
3.who is not an NRI.
options were not provided
4. NAVNIRMAN BPR means what?
Ans: Business Process Re-engineering
5.BGCC -maximum amount?
Ans: `2 lacs
6.what is the commission for BC if he/she recommed for RD/LOAN at rural branch?
Ans: RD `5/-, SB- `10- & Loan (BKCC) `500/- (Max)
7.In finacle for customer ID creation which menu you can use?
Ans: - HCUMM or CUMM
8.For SB account opening which menu you can use in finacle ?
Ans: - SB HOAACSB/RBO HOPNACCT/SAO
9.An NRI who can apply for housing loan how long he should have been staying abroad?
Ans: 2 years
10.what the no.of transaction per day limit for Baroda Combi Gold card holder?
This card is not being issued presently, can check for other cards
11.Which menu you can use for Locker report in finacle?
Ans : LKREPM
12.How many Zones are there in our Bank?
Ans: 13
13.How many subsidiaries in India?
Ans: -3-
14.How many RRBs in our Bank?
Ans: -3-
15.what is the max ceiling for make an appeal in LOK ADALAT?
Ans: `20 lacs
16.Which does not comes under the target of SPARSH?
------- since not existing --------
17.Tax savings scheme whether you can get a LABOD?
Ans: NO
18.If you receive a forgery note in cash counter what you can do?
Ans: to Accept
19.what is the percentage for weaker section in PS?
Ans: 10%
20.In subsidy claim Educational loan scheme security not required up to what amount?
Ans: `4 lacs
21What is the minimum and maximum amount for Traders loan?
Ans: `25,000/- and `400 lacs
22what is the loan limit for R/SU/M/U in Baroda Arogyadham?
Ans: R- `0.50 lacs, SU `6 Cr, U- `12 Cr, M- `15 Cr
23.In jeevan suraksha what is the maximum age you can continue?
Ans: 60 years

24What is the maximum commission for BC for financial inclusion?

3
 Ans : RD & FDR `5/- per account (max `25/- per Cust ID at a time)
Retail Loans, BKCC, BGCC 0.50% loan amount subject to a max. of `500/-
India First - Per Policy `5/- for sum insured up to `15000/-
Per Policy `10/- for sum insured above `15000 & up to `25000/-
Per Policy `20/- for sum insured above `25000/-
25.what is the village population covers under this financial inclusion scheme?
Ans : 2000
26.If a borrower doing turnover in his business for `140 Crore it comes under what classification ?
Ans :SME(Non-Regulatory)/MIDCORP/BIG CORPORAT /LARGE CORPORAT ?
27.IMPS means what?
Ans: Immediate Payment Service
28 In SHG what is the minimum mark score for loan?
Ans: 60/100
29In Baroda connect when a customer wants to activate his login password what he can do?
Ans: contact centre or Base Branch (forgot pw option also available for those who registered with
OTP)
30.After completion of regular inspection the rural branches are to submit their RC to RO
Ans: 30days/45days/60 days/ when RO required to ask?
31.NPA substandard account more than 12m and within the 36 months what is the % of Provision?
Ans: 40/50/100/25?
32.Cash profit means what?
Ans: Profit after tax + depreciation
33.Gross working capital is what?
Ans: total of Current Assets
34.Mimimum DSCR in any year as per our bank guidelines?
Ans: 1.25%
35.One can not use Gift card in ______

Ans: cash withdrawal from ATM/POS/on line purchase ETC?

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CLERK TO OFFICER

1. Select odd man out. :Ms office, linux,unix,windows7

2. Menu used for authorizing inventory transfer to double lock.
Ans: IMC
3. Menu for obtaining the number of customers not having atm cards and baroda connect
Ans: CWBDF
4. Which of the following cannot be changed in HLARA?
Ans: Outstanding Balance & Rate of Interest
5. Bid bond Guarantee is what type of guarantee?
Ans; Performance Guarantee
6. In Baroda connect if the customer tells he has forgotten transaction password how can it
regenerated?
Ans: REGPW
7. What is the max repayment period for housing loan?
Ans: 30 years
8. How many years should an NRI be abroad for getting sanction of Housing Loan?
Ans: 1 year for salaried & 2 years for non-salaried (revised in April 2016) and also no
separate NRI Home Loan Product now. NRIs also as per domestic Home Loan guidelines.
9. What is the maximum amount for LABOD against Tax saving deposit?
4
 Ans: NO LABOD
10. What is the max limit under Baroda Aroghya dhama for Rural/Semi urban/ Urban?

Ans: Rural `50 lacs, Semi Urban-`6 Cr, Urban-`12 Cr, Metro-`15 Cr
11. What is the maximum amount for housing loan in rural and urban is considered as priority
sector?
Ans: `15 lacs (areas with population upto 10 lacs) ; `25 lacs (areas with population >10 lacs)
12. What is the margin for new and old tractor under tractor loan?
Ans: 10% & 20%
13. In updating of stock details in HCLM which Column is applicable for application of penal interest
Apply penal interest column should be ticked
14. In menu ACLHM/HACLHM which date should not be changed.
1) LAD DATE 2. REVIEW DATE 3. DUE DATE 4. Sanction Date
(In Term Loan, Sanction Date cannot be changed and in CC account all dates can be changed)
15. What card will be issued for BKCC holder who is having account for more than 5 yrs and is
having satisfactory and standard account?
Baroda Green card , Baroda Gold Card, baroda silver card, baroda platinum
(less than 3 years Green, 3 to 5 years Silver and more than 5 years Gold)
16. In BFWP how many packs are there?
Ans: THREE ..this product is since discontinued
17. How may Zonal Offices are there in BOB?
Ans: -13-
18. What are the needs for opening Agri clinics?
Ans: seed quality, soil testing etc.
19. A company is having turnover of `150 crores. Under what segment will it be classified?

Ans: SME (Non Regulatorty)

20. A company is having turnover of more than `500 cr. Under what segment will it be classified?
Ans: Large Corporate (Wholesale Banking)
21. In which year BOB was found?
Ans: 1908
22. In menu ACLHM/HACLHM, based on which date penal interest will be applied.
Ans: - Expiry date & Review Date
23. What is acceptable DE Ratio as per our Bank guidelines?
Ans: TOL/TNW=4.5:1 and TTL/TNW=3:1
24. Which is the other PSB which is associated with India First Life Insurance?
Ans: Andhra Bank
25. Which of the following will not be taken care in contact centre?
(please refer to the master circular where all the activities attended by Contact Centres
are detailed viz, Account enquiry, cheque services, Debit Card Services, Baroda Connect,
Mobile Banking etc.)
26. Which menu is used for printing vouchers?
Ans: VCH

27. With whom BOB is associated for share trading services?

Ans: India Infoline (now, we have our own platform also for this at Baroda Capital Markets Ltd-
BCML)
28. Which of the following is incorrect for RTGS amount to fall in Sundry RTGS account? (options
were not provided, hence one should read the options carefully and sort it out which is

5
 incorrect) For example, in the following cases, amount will come back and fall in Sundry RTGS
account -
(i)Beneficiary account is incorrect (ii) R-42 transactions ie, bank to bank transaction, where
amount will be remitted through Sundry RTGS etc.
29. What is the max amount for which DD can be issued?
Ans: Less than `10 lacs
30. How many transactions can be done in a single day using Visa Gold card?
Ans: 10 (now, VISA EMV Chip Card)
31. In 16 digit UTR No. which of the following is false. 1. First four digits represent bank code 2.
5th digit represent host 3. 6th n 7th digit represent year 4. 8th to 10th represent Julian date 5.
Last five digits are running numbers.
32. If there are no continuous credit for 90 days in CC OD account , then account is called as ?
Ans: Out of Order
33. In CGTMSE what is the max amount upto which collateral free loans can be given?
Ans: `100 lacs
34. Amount deposited by a walk-in customer to be credited in which account, for sending NEFT?
Ans: Sundry deposit NEFT
35. What is the BOBRAM Rating now accepted for sanctioning loan?

Ans: BOB-6
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OFFICERS
1. Forward contract matured automatically cancelled on :

3rd day, 7th day, 10th day, next day, none

2. Beneficiary A/c No. Indo Nepal NEFT remittance.
3. NEFT code for Indo Nepal remittance
Ans: SBIN0004430 (SBI Pool Account)
4. Whether bank can proceed SARFAESI when the case is pending with DRT?
YES
5. Which of the following is not a current asset? (Options were not provided)
Ans: Select the option other than the normal Current Assets, viz, Stocks, Book Debts, Prepaid
Expenses, Cash/Bank etc.
6. Which scheme is for primary educational loan.
Baroda Vidya LA132
7. Arrangement for finance for payment of importer is called
Ans: Buyers Credit
8. Hand holding is
Ans: helping the borrower in case of crisis for temporary relief
9. Damodaran committee is for
Ans: Customer Service

10. What is present Finacle version that we are using?

Ans: No. 7.0.25
11. Vishing caller ID two questions (question is not clear, however related to Phishing-vishing)
Trying to get confidential information through internet Phishing; through Voice/Phone
Vishing and through Mobile - Mishing
12. Which code sets minimum standard of banking practice for banks to deal with MSME?
Ans: BCSBI
13. Total number of INCOTERMS?
6
 Ans (a) 11 (b) 13 (c) 15 (d) 18 (e) 20
14. Import license issued for : FOB, CIF, Ex-Works etc.,
15. RLF means : Retail Loan Factory
16. What is the maximum Housing limit for a SU branch?
Ans: `100 lacs
17. Who will be monitoring the BC?
Ans: Branch head, Identified Branch Manager, BLBC, etc.,
18. SME Short Term Loan for a period of
Ans: upto 12 months
19. SME loan pack maximum limit is : `5.00 Cr
20. Parameter for changing the education loan from simple interest to compound interest
Ans: Interest on interest flag should be made y (ACM/HACM menu option)
21. Menu for generating stock statement report from finacle
Ans: CLMRPTS
22. Travel Card issued with a minimum amount of
Ans: USD200
23. BKCC valid for a period of
Ans: 5 years
24. Maximum limit for BKCC
Ans: No max limit, as per DLP of sanctioning authority
25. Approximate No. of branches as on 31.12.12 - 3000, 4000, 5000, 2000
(latest as of 31.03.2016 5300+)
26. Approximate No. of staff of BOB as on 31.12.12 - 25000, 30000, 40000, 50000
Ans: 49000 Aprox. (March 15)
27. White label ATM is owned by ___
Ans: Non-banking entity
28. Vehicle loan maximum limit under SME
Ans:: `200 lacs
29. Short term crop loan classified as NPA if not paid for
(a)one crop period (b) two crop period, etc.,
30. CASA as on 31.12.12 was : 31% 41 % etc.
(Please check the current CASA percentage 31.76% as of 31.03.14)
31. No. of Overseas Subsidiaries ___
Ans: -8-
32. Ideal D E Ratio for SME loans TTL/TNW is 3:1 and TOL/TNW is 4.50:1
33. Under Baroda Health Scheme maximum ambulance charges reimbursement upto `1,000/-
34. India First Life Insurance is the joint venture of BOB with ______
Ans: Andhra Bank and Legal & General
35. DLP exercised for a BOB-5 Rated account is :
Ans: 200% 100% 150% 75% None
36. Import payment made by : TT Buying, TT Selling, Bill Buying, Bill Selling, None
37. Maximum amount can be sent by NEFT ____
Ans: `50 Cr
38. Probate related to _______
Ans: Will / settlement / death claim
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II to III held on 27.04.14

1) If higher Break Even point of project is on very higher side, what inferences you will draw ?
Ans : Margin of safety is on lower side

7
2) Which of the following activities requires activity clearance from corporate centre even though
proposal falls within the powers of Zonal Head?
i)Financing of Educational Institute ii) Cinema Halls, Theatres/ Auditoriums/ Amusement Parks,
Marriage Halls iii) Real Estate for Commercial Activities iv) Leasing, Hire-Purchase, NBFCs
(a)i & iii (b)ii, iii & iv (c)i & iv (d)All of the above (e)None
3) Baroda SME Gold Card envisages a standby limit of ___ % of the assessed MPBF/limit for
facilitating urgent credit needs and for tie up of temporary mismatch in liquidity arising out of
delayed payment by buyers, tax payment etc?
a. 10% b. 20% c. 30% d. 40%
4) Branch Manager in Scale II in a rural branch can grant maximum TOD upto ____
Ans: Can not grant
5) Crystallization of Overdue Export Bills is done on _____ day after the expiry of the Normal
Transit Period/Notional Due Date: 30th
6) In a Bill of Lading, the consignee is: (a) The Exporter (b) The person entitled to take delivery
(c) The shipping company (d) None of the above
7) In case of SARFAESI Act, Bank can file the reply of objection raised by borrower against the
notice within ____ days.
a)7 days b)10 days c)15days d)20days e)30 days
8) Under Banking Ombudsman Scheme, any dispute between banks or bank and its constituents may
be referred to for arbitration provided disputed amount does not exceed
a)`5.00 lacs b)`10.00 lacs c) `20.00 lacs d) `25.00 lacs e) none
9) Current Assets-Current Liabilities excluding Margin money?
Ans: NET WORKING CAPITAL
10) No. of ATM transactions allowed per day in Maestro Debit Card is ___
(Now the card is Master Card Gold)
a) 4 b) 5 c) 8 d) 10 e) none
11) No of variants issued at Branch level of Non-personalised debit cards?
- Rupay Card
12) IMPS stands for IMMEDIATE PAYMENT SERVICE
13) MMID - MOBILE MONEY IDENTIFIER
14) USSD - UNSTRUCTURED SUPPLEMENTARY SERVICE DATA
15) NPCI - NATIONAL PAYMENT CORPORATION OF INDIA
16) NFS - NATIONAL FINANCIAL SWITCH
17) EMV - EURO MASTER VISA
18) Per day transaction limit in Mobile Banking is ___
a) `25,000 b) `40,000 c)`50,000 d) `1,00,000
19) Finacle menu for issue of Gift Card
Ans: a)Prepcard b) GICard c)HDCR d)
20) National Financial Switch is presently handled by ___
a) RBI b) IDRBT c) NPCI d) IBA
21) What was award given to the Bank in 2012-13 by the IDRBT ?
a) Best Bank b) Technology Bank
22) What is the limit for Baroda debit card internal transfer for self linked accounts?
Ans: NO LIMIT/CEILING
23) What is limit for EMV enable cards at ATM?
`1,00,000/-
24) BarodaRemitXpress is an Online International Money Transfer Service provided in association
with a) VISA b) Master Card c) Times of Money d) UAEEFSL
25) Number of digits in UTR - SIXTEEN
26) which is not relating Baroda Cantact centers duties

8
 a) Internet services b) opening of new accounts c) Balance d) clearing
27) What is the menu Finacle for Adhar Card linkage?
a.APBSLN b.ACLNK c.APBSNL d.ACDLNK e.none
28) Who is KYC Compliance officer?
Ans: Zonal Head (Money Laundering Compliance Officer-MLCO)
29) Under CTS, after the capture of the image, the physical cheque would be
Ans: Sent back to the branch where it is collected (Collecting Banker)
30) In case of ZERO RISK ASSETS what is the lending powers of officers of controlling
offices/Branches.
Ans: Within the DLP of the concerned Officer
31) Under new BKCC the maximum amount of Loan under Investment line of Credit should not
exceed
a) 60% value of land & 100% value of other liquid securities
b) 75% value of land & 100 % value of other liquid securities
c) 100% value of land & other liquid securities
d) Maximum 10 lac -Not linked to securities
32) In case of disbursement of tractor loan how much % of loan amount disbursed to towards
purchase of new tractor upto get the RTO certified copy?
Ans: 95%
33) which is not correct relating Baroda Swabhimaan Suraksha?
(It is a micro Insurance product under Financial Inclusion basic features are to be noted from
the circulars)
34) Credit Audit committee chairman?
Ans: Mr Narang (Narang Committee)
35) Periodcity of Legal Audit-
Ans: -5- years (loans having exposure of `5.00 Cr and above)
36) which of following country BOB having more Branches
a) UAE 2) Uganda 3) US 4) Tanzania
37) What is the time limit to Metro and urban branches to submit RC?
Ans: 60 days (R & SU 30 days)
38) What is the period first time Inspection to new branches?
A) 3 months B) 6 months c) 9 months d) 18 months E) 12 months

39) What is maximum Limit to Baroda Premium Personal Loan ?

Ans: `10 lacs
40) What is premium of Swabhiman suraksha scheme ?
Ans: One time premium @ `20.99 per thousand for a period of 5 years
41) DLP yearly ceiling of an Officer under Scale-VI
A) 20 times b) 25 times c) 30 times d) 35 times
42) Which of the following is a key amendment in SARFAESI Act recently?
a. Consent of secured creditors of sixty percent in value in case of joint financing of secured
asset
b. Increased time period (15 days) for responding to the borrowers representation c. Banks and
financial institution can accept immovable property to settle their claims
d. Right to lodge a caveat by secured creditor
e. all the above
43) What is dead line given to Banks by RBI to install ATM at all Branches?
(It is not relevant now, during 13-14 F/Y , there was a deadline)
44) under Which authority lok adalat has established ?
A: Legal services authority Act

9
45) Which of the following is not true regarding BCs under Financial inclusion
a) account open with minimum balance of `50/- b) . C) d)
(other options were not provided)
46) as per our Business policy guidelines Interest Rate is
a) Operational Risk b)Market Risk c) Credit Rsik d) ..
47) If DSCR increased
a) Loan period can be reduced b) higher margin c) d).
48) Debt Equity Ration indicates :
Ans: Relationship between external borrowing and own fund of the concern
49) Basic Savings Bank Account (Options were not given)
50) What is name of recently our CMD inaugurated Marketing news letter _
Ans: MAR-com
51) rewards for M connect
Ans: Baroda rewardz (not relevant now)
52) In following which is the operating system a) firefox b) window xp c) d)
53) Which is a centralized location for payment/ reimbursement of expenses /payment of
allowances etc. to the staff?
Ans: HRCPC
54) Out of the following, which is not a signal for willful defaulter?
(options were not provided)
55) what is BKCC holder contribution towards PAIS?
Ans: NIL
56) The minimum deposit amount in RLFCD A/c
Ans : USD 10000 equivalent
57) The payment instructions under remittances made through Xpress Money Gram the main server
of _________ is updated and sends SMS to the remitter
automatically about the completion of transaction.
Ans: UAEEFSL (UAE Exchange & Financial Services Ltd)
58) In Baroda connect after competion of beneficiary registration what is time norm to do the
transactions ?
Ans: 24 hours

59) under CGTMSE scheme what guarantee fee for a facility of 50 lacs to 100 lacs?
Ans: shared between the bank & borrower 50:50
60) In CGTMSE scheme, from which date guarantee cover starts
a) first disbursement of the loan amount
b) last disbursement of the loan
c) from the date of guarantee fee paid
d) ..
61) RIDF funds deposits with ? a) SIDBI b) NABARD
62) Which is medium enterprises ( Manufacturing) as per regulatory definition of MSME ?
Ans: investment in P&M is above `5 Cr & upto `10 Cr
63) Finance to Real Estate Sector upto `50 Cr Project Cost is classified as ?
Ans: SME (Non-Regulatory)
64) Finance to Corporates Agri Adv more than `2 Cr classified as?
Ans:Indirect Agri Finance
65) The domestic outstanding unsecured guarantee plus the total of domestic outstanding unsecured
advances other than infrastructure in terms of definitions should not exceed ?
Ans: 30% of total domestic outstanding advances (additional 10% if infra is included)

10
 66) Commitment charges is levied for no/under utilization ofworking capital limit to those borrowers
availing limits of `1 Crore & above (Reduced from `10 Cr)
67) all our ATMs are connected to Base24switch
68) Finance to Agri Clinics Margin norms up to `5 lacs NIL
69) NPA norms to Agricultural Crop Loans.
Short duration crop 2 crop seasons after due date
Long duration crop 1 crop season after due date (1 year)
70) Under investment line of credit loans for off farm activities/needs of farmer like personal
loans including purchase of consumer durables, what is maximum limit?
Ans: `1 lac
71) What is call option
Ans: An agreement to buy a stock/commodity at a specified price within a specific time period
72)In which of the following accounts, interest earned `10000 above on TDR is exempted from
Income Tax?
a) Tax savings account b) Capital Gain account scheme 1988 c) d)
72) One of the following is not considered to be non fund based facilities
a) Performance Bank Guarantee
b) Letter of Credit (D/P)
c) Deferred Payment Guarantee
d) Financial Bank Guarantee
e) Bills discounted
73) Bank has recently introduced a special scheme for financing _______ Units
under MSME segment.
a. Textile b. Automobile c. plastic d. mineral water e. none

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I to II 27.04.14
1.Amount paid as commission for agents for canvassing savings bank account is
Ans: `10 `15 `20 `5
2. MMID is __________digits
Ans: 6 7 9 10 11
3. What is the maximum amount of overdraft that can be allowed in Baroda Pensioners Savings Bank
account?
Ans: 2mnths 3mnths 4mnths 6mnths
4. In an ATM transaction, if the account is debited and cash not dispensed the claim is to be settled
within a period of _____days
Ans: SEVEN
5. Cash withdrawal limit for VISA Platinum debit card is.........
(not being issued presently, see the limits of other cards)
6. For transaction to be posted in NPA account which menu is to be used.
Ans: NPATM HLUASPAY TM
7. For an NPA account stock inspection to done every
Ans: Bimonthly Half-yearly No inspection
8. Maximum Percentage of subsidy available under PMEGP?
Ans: 20 30 35 40
9. If collection of cheque is delayed considerably i.e. above 90days compensation will be paid by
calculating
a) FDR rate + 2percent
b) rate of saving account
11
 c) at FDR rate
d)none of the above
10. In agri clinic and agri business the margin requirement upto the limit of `5 lacs?
Ans: NIL
11. What is the percentage of target for loans for weaker section as per our priority sector guidelines
Ans: 10% of ANBC
12. Minimum age of co-borrower in our housing loans scheme-
Ans: 18 years
13. Baroda SME Gold card envisages a standby limit of _______% of the assessed MPBF for
facilitating urgent credit needs and for tie up of temporary mismatch of liquidity arising out of
delayed payments.
Ans: 10%
14. Under PMLA, 2002 who is the Principal Officer?

a. Bank appointed Senior Executive

b. RBI appointed Senior Executive
c. GOI appointed Senior Executive
d. Financial Intelligence Unit (FIU) India appointed official
e. Chairman/ED of a Bank

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