Questions memorized by our Staff appeared in last year Promotion Test

1) Minimum rating for gold card and SME short term The minimum Credit Rating required for
availing SME Short Term Loan and SME Gold Card Scheme is
a. BOB-2 b. BOB-3 c. BOB-4 d. BOB-5 e. BOB-6
2) Full form of MMID : Mobile Money Identifier
3) Loan against LIC minimum amount : `3,000/-
4) DLP for LABOD Sanction scale III ..`200 lacs
(ScaleI:`25 lacs, ScaleII:`62.50 lacs, ScaleIII:`200 lacs, ScaleIV:`250 lacs)
5) Networking Capital 100 lacs and current liability 200 crores what is current ratio: 3:2
(Current Asets Current Liability = NetW/C, so Current Assets = 300, Current Ratio is 3:2)
6) Import, Export code issued by - DGFT
7) NRLM ..National Rural Livelihood Mission
8) SDR maximum period under premium current A/C : 45 days
9) What is the working capital limit for conducting Stock Audit: `1 Cr. (reduced from `5 Cr.)
10) SDR maximum period Premium privilege Current A/C..91 days
11) Rupay card launched byNational Payments Corporation of India
12) What is Re-scheduling ..change in instalment
(change in the repayment period Rephasement)
13) Number of max beneficiary that can be added for ATM for NEFT transactions: 99
14) Minimum age of Applicant and Co-Applicant of housing loan..21 and 18
15) Rate of interest to calculate on Notional Dues while compromise as per Recovery Policy @12%
16) NEFT transfer through ATM Minimum ..`1/-
17) Priority sector housing in weaker section scheme max amount
18) BKCC validity 5 years
19) CGTMSE Lock in period 18 months
20) Cash withdrawal at B.C Limit
21) Distance criteria for B.C Appointment no such criteria
22) Beneficiary for L.C : The Exporter/Seller
23) Administrator of foreign exchange .
24) Missed call availability per a day ..
25) LGD Concept under which type of rating Facility Rating under BOBRAM
26) Minimum Collateral for Arogyadhaan above 5 crores.30%
27) Interest frequency for centunary S.B A/C .Quarterly
28) For Loan to Doctors Collateral security not Required up to .`5 lacs
29) Minimum balance in Baroda jeevan suraksha SB A/c..`1,000/-
30) ATM Hotlisting modes
31) LABOD Installment in FINACLE
32) Transaction limit for Rupay card
33) Maximum cheque leafs in SB Advantage half yearly ..
34) Margin to farmers for Two Wheeler loan .
35) Investment in plant & machinery maximum limit for micro manufacturing unit `25 lacs
36) For filling FIR minimum fake note should be
37) Minimum Amount for suit file in DRT .
38) Minimum balance to maintain for availing reverse sweep facility in pension A/C `3,000/-.
39) Minimum OD Against NSC ..`20,000/-
40) Margin in home improvement loan 25%

1
 41) NEFT ATM max limit per Transaction ..`50,000/- (`2.00 lacs per day)
42) Agri clinic SC/ST subsidy .
43) Housing loan priority sector classification .
44) Simultaneously buying and selling known as \
45) MENU Option for office A/C statement
46) Menu option on packing credilt disbursement
47) Aadhar seeding modes .
48) Vetting of documents minimum limit .`10 lacs
49) Overseas branches of Bank Of Baroda .106
50) New bank announced by RBI .
51) Interest frequency for super saving A/CQuarterly
52) Maximum time for R.D ..120 months
53) Maximum amount for vehicle loan to road transport .
54) BOB Special T.D A/C for compensation motor accident claims investment period ..
55) Which bank merged with kotak mahindra bank ING Vysya
56) Maximum amount of outstation cheques immediate credit in privilege current A/C `1.50 lacs
57) Minimum O.D under BARODA BACHATH MITRA .`8,000/-
58) Travel easy card in US$, Pound & Euro
59) Incentive for JLG group formation from NABARD ..
60) Authorized officer for SARFAESI Chief Manager & above
61) NPA under technical ground ..Review Date, LAD Date etc.
62) For personal accident insurance NPCI tie up with
63) Maximum tax saving in Baroda tax saving term deposit `1.50 lacs
64) Moratorium period in mortgage loan ..
65) Maximum limit for Lo Adalat
66) Foundation Day of Bank Of Baroda ..
67) Minimum amount of Double dhamaka Term Deposit `5,000/-
68) Maximum credit in minor A/C ..`1.00 lacs
69) Minimum marks for SHG Credit .60/100
70) Baroda Traders loan not given for .
71) Chairman of PFRDA ..
72) Minimum & Maximum members of JLG ..
73) Which menu is used to find the customer in FINACLE with PANCARD ..
74) UCPDC Published by
75) Laghu udyami Card SME maximum amount
100) Which is not a KYC element .
101) For take over BTL minimum current ratio ..1.17:1
102) Maximum amount for premium personal loan `10.00 lacs
103) Repayment period for SME short term loan .
104) Which of following is not fall under post shipment .
105) ECGC .Export Credit Guarantee Corporation
106) KVP maximum loan sanctioned by branch head `1.00 lac
107) Minimum experience of LIC AGENT for housing loan eligibility
108) Minimum amount for attracting a transaction under CTR `10.00 lacs.

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2
 1. Baroda Samrudhi Recurring Deposit Scheme can be opened with minimum of Rs.-:
a. 100 b. 1000 c. 500 d. 2000 e. No celling
2. In the Bank of Baroda Journey 10 Banks has been merged so far which one of the bank last
merged with Bank of Baorda.
a. Bariely corporation Bank Ltd b. Memon Co-operative Bank Ltd
b. South Gujarath Local Area Bank ltd d. Hind bank ltd e. Banares State Bank Ltd.
3. In Project Navanirman OR Stands for :
a. Organization Restructuring b. Organization Re Engineering c. Organization
Restructure d.Organization Rectification.
4. BOB started in 20th July 1908 with a Paid up capital of Rs:
a. 50 lac b. 5 lac c. 10 lac d. 15 lac e. 100 lac
5. USSD stands for : Unstructured Supplementary Service Data
6. How many variant of EMV chip cards we have :
7. Account Number portability of TD accounts is available for :
a. All CBS Branches b. Only Metro Branches c. only at urban and Metro Branches d. Rural
Branhces only e. in Baroda connect only
8. M-OTP will be generated for :
a. Baroda Connect b. Mobile Banking c. SMS banking d. E- Banking
9. BCSBI Stands for :
a. Banking codes and standards Board of India b. Banking codes and standard Bank of India
c.Banking codes and State Bank of India d. Bank codes and standards Bank of India .
10. As per the Govt guidelines How many Daily free ATM Transaction are allowed in 6 Metro
centers :
a. 5 b. 3 c. 4 d.7 e. No Celling
11. Baroda Jeevan Suraksha what is the minimum age for opening the account
a. 15 years b. 12 years c. 18 years d . 21 years e. 25 years
12. In Baroda Bachat Mitra what is the Max OD Limit can be given in Rs. :
a. 25,000 b. 10,000 c. 50,000 d. 1,00,000 e . 2,00,000
13. How many daily No of Withdrawal per day with RuPay Classic .
a. 5 b. 4 c. 3 d. 7 e. 2
14. What is the min Age for getting insurance cover under Baroda Jeevana Surksha.
a. 15 years b. 12 years c. 18 years d . 21 years e. 25 years
15. What is the per day max cash withdrawal Limit for EMV chip Visa Platinum.
a. 10,000 b. 25,000 c. 50,000 d. 1,00,000 e. 2,00,000
16. How many Benificaries can be registered with a single debit card through Baroda ATM.
a. 100 b. 99 c. 2 d. No celling e. any No.
17. Baroda Travel Easy card will be issued with Minimum amount of :

Ans. USD 200 Pound Sterling 150 and Euro 150

18. In Cash Deposit Machines what is the Max Limit of per day with out Card Transactions:
a. 25,000 b. 49,900 c. 20,000 d. 2,00,000 e. 1,00,000

19. Who will maintain the Trading account in Baroda e-Trading.

a. Baroda management Ltd b. Any Branch of BOB c. Baroda Capital Markets Ltd
d. BoB cards Ltd

3
 20. How many time per day A customer can use the Missed Call facility for Balance Enquiry?
a. 5 times b. 3 times c. 4 times d. 7 times e. No Celling
21. As per the Govt of India advise Under Green Initiative Banks are going for :
a. Removing the DD/BC operations b. a/c transfer to be done through NEFT/ RTGS only c.
>50% Banking transactions to be done through ADCs only d. Removing of PDCs cheques.
22. Under Pradhan Mantri Jan dhan Yojana for opening their Bank Accounts Main criteria under the
scheme.
a. House Holds b. poor Farmers c. Agri Labour d. All the above categories
23. Under Baroda Kisan Ru Pay Card the premimum for Accidental Insurance will be Bared by:
a. Banks b. Govt of India c. Ministry of Finance d. NPCI e. Card Holders.
24. What is the Target for priority Sector advances.
a. 10% ANBC/Credit Equivalent of off sheet Balance sheet
b. 40% ANBC/Credit Equivalent of off sheet Balance sheet
c. 25% ANBC/Credit Equivalent of off sheet Balance sheet
d. 50% ANBC/Credit Equivalent of off sheet Balance sheet
e. 18.5% ANBC/Credit Equivalent of off sheet Balance sheet
25. Target for Weaker Section:
a. 10% ANBC/Credit Equivalent of off sheet Balance sheet
b. 40% ANBC/Credit Equivalent of off sheet Balance sheet
c. 18.5% ANBC/Credit Equivalent of off sheet Balance sheet
d. 20% ANBC/Credit Equivalent of off sheet Balance sheet
e. 25% ANBC/Credit Equivalent of off sheet Balance sheet
26. Under BKCC investment Line of Credit facility a personal Loan can be granted up to the amount.
a. 50,000 b. 25,000 c. 1,00,000 d. 75,000 e. 20,000
27. What is the max repayment period for the scheme for Financing to farmers for purchase of
Four Wheelers.
a. New Vehicle for 72 months and old Vehicle for 48 months
b. New Vehicle for 84 months and old Vehicle for 36 months
c. New Vehicle for 60 months and old Vehicle for 48 months
d. New Vehicle for 84 months and old Vehicle for 48 months
e. New Vehicle for 72 months and old Vehicle for 36 months
28. What is the Max Limit for Baroda Kisan Tatkal Loan:
a. 50,000 b. 25,000 c. 5,00,000 d.75,000 e. 2,00,000
(Tatkal loan differs based on the BKCC limit, max limit `5.00 lacs for BKCC holders>`20 lacs)
29. Max. Loan limit for Individual farmers against Ware House/Storage Receipt.
a. 50.00 lacs b. 10 lacs c. 20 lacs d. 1 Cr e. 25 lacs
30. Margin for Loan against Ware House Receipt /Storage Receipt.

a.25% b. 10% c.50% d. 30% e. 40%

31. Max. Loan can be granted to the farmer for purchase of Second Hand Tractor.
a. 3 lacs b. 2 lacs c. 5 lacs d. 4 lacs e. 6 lacs
32. Bank Guarantees will be issued Max Period of Except DPGs
a. 10 years b. 5 years c. 1year d. 3 years e. No such Limit
33. Project cost upto 100 Cr of the Real Estate Project is classified as.
a. SME (Regulatory) b. SME ( Non Regulatory) c. Mid corporate d. Large Corporate

4
 34. Up to What amount under Micro and Small enterprises collateral security not insisted
a. 5 lacs b. 10 lacs c.2 lacs d. 100 lacs e. 15 lacs
35. What is the Min Loan can be sanctioned under SME textiles Industries
36. Max Loan Limit under Baroda Aritisants Credit card.
a. 5 lac b. 10 lacs c. 2 lacs d .1 lac e. 4 lac
37. Max Loan amount can be sanction under scheme for Financing Existing Borrowers under SME
segment for Purchase of New Vehicle.
a. 200 lacs b. 250 lacs c. 100 lacs d. 300 lacs
38. What will be the Max Cap on Individual Loans as per our Banks Guidelines.
a. 500 lacs b. 200 lacs c. no such Celling d. 1000 lacs e. 300 lacs
39. Legal Audit of Title deeds in respect of all credit Exposure of :
a. 2 cr b. 5 cr c. 10 Cr d. 1 Cr e. 4 Cr
40. Obligor Rating for BOBRAM Credit rating indicates:
a. Probability of Default (PD) b. Loss Given Default ( LGD) c. credit Default
41. A Rural Bank Manager Headed by Scale III has allowed a TOD in a Newly opend a/c witch of
these actions are correct.
a. Up to 5 lacs it is allowed b. No TOD can be granted in Rural Branches c. TOD can allowed
upto 25% of the Turnover d. up to 2 lacs it is allowed e. TOD allowed upto his DLP
42. Baroda SME Gold Card can be sanctioned an amount of :
a. 10% of Assessment of MPBF on 4 occasions in the year
b. 10% of Assessment of MPBF on 5 occasions in the year
c. 20% of Assessment of MPBF on 4 occasions in the year
d. 20% of Assessment of MPBF on 5 occasions in the year
43. Post shipment fianc can be granted in :
a. Any permitted currency b. only US Dollars C. In any Currency d. only in Euro
44. Cancellation of Forward Contract will be done for purchase contract.
a. TT selling rate B. Bill Buying rate c. TT Buying rate d. Bill selling rate
45. Fraud committed by the Bank Staff will be fallen under witch Risk Category
a. System Risk b. Credit Risk c. Operational Risk d. Reputation Risk
46. The Basel III Capital Regulation has been implemented form:
a. 1-04-2014 b.1-04-2015 c.01-04-2013 d.31.03.2014 e.31.03.2013
47. SMA-0 of Basic Classifications.
a. Over due more than 30 days up to 60 days
b. Over due more than 60 days up to 90 days
c. Principal & Int not over due d. Principal & int not over due more than 30 days but
account show incipiert strees.
48. Over due for more than 60 days upto 90 days will be classified as :
a. SMA-2 b. SMA-1 C. SMA d. SMA-0
49. Accelerated provision for asset classified for the period of Sub- Standard (Secured portion)
for 6 months to 1 year % is .
a. 15% b. 25% c. 40% d.10% e.50%
50. Resheduling of the a/c will be done in the following form:
a. Change in Existing Repayment period b. Reshedling with the Increse repayment period c.
Restruring the a/c with increase
51. Int Calculations will be generated for CC/OD/Loan A/c from the following Finacle menu:
52. Dormate a/c status report can be obtained form the following finacle menu:
53. High Risk Rated a/c will existed as per the Banks Guidelines
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 54. CP (commercial Paper ) will be issued
a. Min 7 days Max 1 year b. Min 10 days Max 181 days c. Min 1 days Max 181 days d.
Min 1 day Max 1 year
55. Baroda Housing loan to NRI can be granted up to the Max Age:
a. 60 b. 65 c.70 d.75 e.62
56. Baroda Educational Loan under Baroda Gyan loan for study at the premier Institution as per the
List A institutions what is the Max loan can be granted.
a. 10 lac b.20 lac c.30 lac d.40 lac e.50 lac
57. The following below activities can not be consider 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
58. Mudra Bank represents: Micro Enterprises
59. Moto of the Bank of Baroda 2014-15 : Race Ahed.
60. Witch of the following Bank got the New License in the year 2014:
Bandhan Financial Services.
61. Which of the following the nationalized Bank as a partner with us in IFLIC: Andhra Bank
62. In the Take over accounts in Baroda Traders Loan the minimum current ration is :
a. 1.33 b.1.77 c.1.50 d. 1.17
63. Under Baroda Ashraya Loan a Lumpsum can be disbursed as per his sanctioned limit
a. 20 % of the Limit sanctioned b. 10% of Limit sanctioned c. 50% limit sanctioned d. No
such limit
64. Under Baroda Premium Personal Loan scheme who are eligible to get a personal loan?
a. Employee of Proprietorship b. employee of Partnership c. Employee of Pvt Ltd Company
d. govt employee
65. Current assets denotes :
a. working capital gap b. Gross working capital c. net working capital d. working capital
66. Tax paid Advances can be treated as :
a. current Liability b. current Assets c. Term Liability d. sundry liability
67. Educational Loan will not be treated as NPA unless the course is completed and up to the
Moratorium period even if the borrower is opted for payment of Int /principle these guidelines
Given by: a. DRT- II Delhi b. DRT Chandighar c. Govt of India d. RBI Guidelines
68. Cash Margin stands for :
a. gross profit + Deprecation b. gross profit Deprecation c. Net profit + Deprecation
d. Net profit -Deprecation
69. Indias position in Milk Production:
a. Second b. first c. fifth d. fourth c. Third
70. Subsidy given for Photo Voltac solar System by GOI as we sanction a Housing Loan.
a. 15% b. 20% c.25% d.50% e. 30%
71. What is the penalty to be paid to the customers complaints if ATM transaction not reversed
with in 7 working days. : 100/- per day after 8th Working day of the Complaint
72. How much penalty has to paid for Bills not paid after 14 days : Corresponding FDR Rate for
delayed period
73 . How much penalty have to paid for Bills not realized and un paid after 90 days :
2% + corresponding FDR rate
74. Baroda Credit can be issued for Min credit rating of :
a. 60% b. 50% c. 40% d. No such Scheme
75. Up to What amount a export Bill will be negotiated under Export L.C
6
 a. on FOB value of LC b. On CIF value of LC c. on the Value of LC d. DLP of the Branch
76. Risk Cattegiration fo Branch Under RBIA:
200-300 Mediam Risk 1-200 Low Risk 400-500 High Risk

The following questions data is not provided, however the questions seem to be based on some
basic data of current assets, current liabilities, Bank finance etc in a small Balance Sheet :

77. What would be MPBF as per I st method of Lending :

a. 165 lacs b. 128 lacs c. other than given options d. 200 lacs e. 220 lacs
78. what is the total requirement of funds to the firm form all source to run the unit :
a. 200 lacs b. 165 lacs c. 350 lacs d. 220 lacs e. 370 lacs
79. Find out the working capital Gap:
a. 370 lacs b. 200 lacs c. 165 lacs d. 220 lacs e. 350 lacs

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1. BCSBI full form

Banking Codes and Standard Board of India
2. Pensioner account Joint account can be opened with the operation
i. Either or serviour
ii. Jointly
iii. Former or serviour
iv. Self
3. Baroda Bachat Mitra OD facility in saving account Min amount of loan?
a) 5000 b)1000 c)2000 d)8000

4. Baroda Samridhi Rd account deposit in multiple of

a)100 b)1000 c)500 d)300
(min `500/- for quarterly Samridhi RD and min `1000/- for half yearly Samridhi RD, both in
multiples of 100/-)

5. Maximum ATM Cash withdrawal of Bank debit cards

a) 50000 b)25000 C)100000 d)10000
6. NEFT fund transfer through ATM
A): 99 Beneficiary can be registered with a single debt card
7. Transction password in mobile banking called:
a) T pin b)M pin c)I Pin d) O pin
9. Commercial paper is valid for Min & Max
a) 7days-360days b)7days -1 year c) 7days 365days
10 . Baroda DEMAT accounts can be opened
a)single b) Joint
11. Online transaction can be done through
a)ATM b)Baroda connect c)phone Banking d)call center
12. As per Govt Guidelines the small farmer having Min land of
a) upto 1 acrs b)1-2 Acrs c)Lease agreement holders d)3-5 acrs
13. Mudra Bank meant for: Micro Units Development and Refinance Agency
7
 14. BRICS Headquarters: in CHINA
15. India position in MILK Production
a)1 b)2 c)4 d)5
16. Margin for self help group lending
a)10% b)15% c)20% D)NIL
17. Second hand Tractor can be financed for a limit of Rs ?
a)3 Lakhs b)5 Lakhs c)6 Lakhs d)8 Lakhs
18. Tractor can be financed first hand and second hand for 84months and 48 months
Repayment period respectively
19. Percentage of subsidy amount for solar energy while sanctioning of Housing Loan is 30%.
20. Target for priority sector lending: 40% of ANBC.
21. BASEL III effected from: 01-04-2013.
22. Priority sector advances for weaker sections: 10% of ANBC
23. Margin for warehouse receipt: 25%
24. Min days for ATM cash back for failed transaction: 7 days
25. Outstation cheque delayed for upto 14 days penalty for interest : FDR interest
26. Outstation cheque delayed for more than 90 days penalty for interest :2 % + FDR interest .
27. Minimum obligor credit rating to avail Baroda SME Gold card : BOB5 .
28. Bench mark current ration for a micro enterprise is: 1.17.
29. Min and Max limit under scheme for financing SME borrowers for textile
25 lacs to 15 crores.
30. Detailed interest calculation in finacle menu for Loan customer AINTRPT.
31. Dormat account menu opton: HDRMNT
32. Basic advantage housing loan scheme code in finacle ?
33. In case of export bill crystallization, which rate will be applicable: TT selling.
34. SHG group will become eligible for finance from banks only if they are in existence since?
Ans: 6 months.
35. Minimum DSCR in any year as per our Loan Policy: 1.25% .
36. Which is the other PSB associated with IFLIC: Andhra Bank
37. What is Maximum amt for Housing Loan under priority sector?
Ans: 15 Lacs (area with population upto 10 Lacs)
25 Lacs(area with population above 10 Lacs)
38. In CGTMSE what is the ceiling fir collateral free loans: 100 Lacs.
39. Forward contract matured automatically cancelled : 3rd day.
40. Travel Card can be issued in: currencies USD, Pounds, Euro
41. Branch manager in scale II in rural branch can grant TOD upto: NIL.
42. Rewards for M-Connect is called: Baroda Rewardz (the present campaign in this name is
with Debit cards)
43. Under PMDJY A/c minimum age for getting insurance: 18 years.
44. Scheme code in finacle for PMJDY A/c scheme code: 150.
45. What is rephasement: Rescheduling with increase in repayment period only.
46. Under Doctors loan we cant finance for
a) Purchase of computer
b) Purchase of Equipment
c) For higher education
d) purchase of car
e) Clinic renovation
47. Minimum margin for loan against NSCs sanctioned for adjustment on maturity?
8
 Ans: 20%
48. Traders Loan minimum current ratio is 1.17:1.
49. Maximum age for NRI Housing Loan borrower: 65 years (NRI Home Loan is recently
realigned with our Regular Home Loan)
50. In case of unsecured exposures in sub standard category the provision to be made
is___ of the total expenses.
Ans: 25%.
51. Frauds in the branches comes under Operational Risk .
52. Cash profit is
a) Gross profit-sales
b) Gross profit-sales+purchases
c) Profit after tax + depreciation.

53. Under Baroda Ashray scheme one time payment for domestic purpose
Ans: 10% of eligible loan amounts
54. Baroda mortgage loan for individual.
55. Minimum age of co borrower for housing Loan :18 yrs.
56. Under Baroda Gyan loan A/c maximum loan amount : `10Lacs. (however, for premier
institutes listed specifically, it can be `30 lacs)
57. Baroda SME Gold card envisages a standby limit of 10% of the assessed MPBF for
facilitating urgent credit needs and for tie up of temporary mismatch of liquidity arising
out of delayed payment.
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01 What is the minimum margin under farm produce marketing/finance against warehouse
receipt? 25%
02 Maximum no of daily transactions allowed for cash withdrawal in case of rupay classic
debit card (4)
03 Last Bank merged in our Bank in 2011 - Memon Co-operative Bank Ltd

04 Which of the following is true about travel easy card? (available in three currencies ,
card can not be used in Nepal, Bhutan etc )
05 Basis for classification of SMA- 0 category (irregular Advance A/c within 30 days)
06 Pre shipment finance in foreign currency can be granted in ( us doller, currency in
import only, currency in export only )
07 In which of the following INCOTERM, exporter is running with minimum risk
,responsibility and control. ( cif, fob , etc )
08 Bank required to comply with the exposure norms stipulated by RBI for avoidance of
( legal risk, Sovereign risk, concentration of credit risk etc )
09 Minimum current ratio for take over under Baroda Traders Loan 1.17
10 What is the total requirement of funds to the firm from all sources to run the unit
( 200 lac , 165 lac ,220 lac,350 lac ,370 lac )
11 A pensioner came for opening pension account jointly with his wife .operational
instruction for this is ( e or s, former or survivor, pension account can not be opened
in joint name )
12 In Baroda Samriddi quarterly RD installment can be opted for what minimum amount
per quarter. ( 500,100,300,1000,1500,0
13 Home loan account to be classified under Priority sector under the revised priority
9
 sector policy .(upto `28 lacs in metro with 10 lacs and above population; upto `20 lacs
in other centres)
14 What is rephasement ?
15 What is the full form of USSD
16 According new company act 2013, companies earning profits compulsorily have to
invest -% of their average profit on corporate social responsibility (CSR ) ( 5%, 3%
2%, 1% % etc ), correct answer is 2%
17 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
( 25%,10%,20%,50%,15% ) correct answer is 20%
18 Baroda home loan advantage for residents ( recently launched ) finacle scheme code
LA185,LA183,LA184,LA190,LA188 )
19 What is the method of assessment of working capital limits for SME units classified
under non regulatory definition ?( nayak committee 20% of accepted projected turn
over , 2nd method of lending , cash budgeting method , 1st method of lending , 1st
method of lending or nayak committee whichever is higher .

20 What is the max amount of loan can be given for 2nd hand tractor `2.00 lacs
20 Under PMJDY the premium on accidental insurance cover will be born by ( account
holder , bank, NPCI , govt of India , insurance company )
21 Under RBIA composit branch rating model ( CBR )which type of two risks are used for
drawing upt the risk matrix for determining overall risk level of the branch .
( operationl risk and control risk , credit risk & market risk ,business risk & control
risk ,operational risk & equity risk ,portfolio risk & liquidity risk )
22 In case of project loan under infrastructure sector , it will be classified as NPA as
per record or recovery and/or on account of non achievement of commercial
operations
( after 1 yr from original DCCO, within I yr from original DCCO,after 2 yr from
original DCCO, within 2 yr from original DCCO , upto 6m from original DCCO )

23 Demat account can be opened in joint names. How many persons can be allowed
maximum in number . (3)
24 Commercial paper can be issued for period of ( 7days to 1 year, 15days to 180 days
etc )

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1. AADHAR seeding cannot be done by
2. The premium for accidental insurance given by RuPay card under PMJDY is borne by..NPCI
3. In Baroda Bachat Mitra what is the minimum OD limit? `8,000/-
4. Foundation day of Bank of Baroda is 20th July
5. When was Baroda Sun Logo launched?
6. Total number of Zones of our Bank of Baroda is..13
7. What is the minimum amount to open Baroda Double Dhamaka?
8. What is the maximum limit per transactions for NEFT through ATM?
9. What is the period of repayment allowed under SME short Term Loan? 12 months
10. What is the menu for disbursement for Packing Credit?
11. The minimum credit rating required for availing SME Gold Card Scheme. BOB5 & above

10
 12. The margin required under Baroda Home improvement Loan..25%
13. The NPCI has tied up with New India Assurance Company for Rupay Insurance Prograame.
14. Total number of overseas branches as on 31/12/2014..
15. What is the full form of MMID?
16. What is the maximum Number of times per day a person can query on Missed Call no.
09223011311.
17. In the event of dishonor of cheques valuing `1.00 Crore and above drawn on a particular account
of the drawer on _____ occasion/s during the financial year for want of sufficient funds in the
account, no fresh cheque book to be issued/
21.75% LTV shall be maintained throughout the tenure of the loans extended against pledge of
gold ornaments for non-agriculture purpose.

11