Principal of Banking

1. Which of the following instruments is used by public to directly lend to the Government ?

Bank Deposits
Public Provident Fund
T-Bills
Certificates of Deposit


2. Inter-bank call money refers to borrowing among banks for -

Overnight
Two days
More than 14 days
Less than 14 days


3. Certificates of Deposits have to be of a minimum value of

Rupees 1 lakh
Rupees 10 lakh
Rupees 25 lakh
Rupees 1 Crore


4. Commercial Bills market is a part of

Organised money market
Unorganised money market
Stock market
None of the above


5. A scheduled commercial bank is one

Which is included in the Second Schedule of the RBI Act 1934
Which is included in the Banking Regulation Act, 1949
Both (a) and (b)
None of above


6. Indigenous bankers are regulated by

Reserve Bank of India
Ministry of Finance
Registrar of Co-operative Societies
None of the above


7. What is the stipulated share of the priority sector in the net bank credit?

35 %
20 %
40 %
45 %


8. Mutual funds are regulated by

Association of Mutual Funds of India (AMFI)
Securities and Exchange Board of India (SEBI)
Reserve Bank of India
None of the above


9. A growth fund is

One in which the money is invested in equities
One in which the money is invested in government bonds
One in which the money is invested equally in equity and bonds
Money is invested only in money market instruments


10. ARCIL is an example of

A financial institution
A mutual fund
An asset management company set up to acquire NPAs of banks
A discount and financing house

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ABM Mock Test 1 with Answer

1. Which of the following is a key determinant of both supply and demand ?
Income
Future expectation
Tastes and preference
Sale tax

2. Which of the following is a leading economic indicator ?
Average hour, manufacture
Money Supply
Stock prices
All

3. Speculative Demand for money and interest rate are related
Inverse
Direct
Equal
None

4. Transaction demand curve for money_______
It is parallel to X-axis
It moves upward with income
It moves downward
None

5. What indicates zero primary deficit -
No fiscal deficit
Surplus budget
No borrowings
Borrowings only to make interest payments

6. What type of budget is advocated for emerging economies
Surplus
Deficit
Balanced
Zero

7. Which of the following leads to credit expansions
Increase in CRR
Increase in SLR
Increase in Bank rate
Increase in purchase of government securities by central bank

8. Microeconomics deals with
Gross domestic Product
Unemployment rate
Prices indices
All the above

9. Market economy is also known as
Mixed economy
Capitalistic economy
Command economy
Socialistic economy

10. Ends refer to
Demand
Resources
Utility
Wants

All the Best.

 

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ABM Mock Test 1

My Quiz

1. 1. Which of the following is a key determinant of both supply and demand ?

Income
Future expectation
Tastes and preference
Sale tax


2. 2. Which of the following is a leading economic indicator ?

Average hour, manufacture
Money Supply
Stock prices
All


3. 3. Speculative Demand for money and interest rate are related

Inverse
Direct
Equal
None


4. 4. Transaction demand curve for money_______

It is parallel to X-axis
It moves upward with income
It moves downward
None


5. 5. What indicates zero primary deficit -

No fiscal deficit
Surplus budget
No borrowings
Borrowings only to make interest payments


6. 6. What type of budget is advocated for emerging economies

Surplus
Deficit
Balanced
Zero


7. 7. Which of the following leads to credit expansions

Increase in CRR
Increase in SLR
Increase in Bank rate
Increase in purchase of government securities by central bank


8. 8. Microeconomics deals with

Gross domestic Product
Unemployment rate
Prices indices
All the above


9. 9. Market economy is also known as

Mixed economy
Capitalistic economy
Command economy
Socialistic economy


10. 10. Ends refer to

Demand
Resources
Utility
Wants

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Mock Test - 3- Retail Liability

Mock Test on Retail Liability

1. In Baroda Super Savings Bank a/c minimum Quarterly Average Balance is

Rs.10000
Rs.15000
Rs.20000
Rs.25000
Rs.50000


2. In Super Savings Bank account Cheque Book issue charges in excess of 40 leaves in a year are

Rs.2/- + S T
Rs.2.5/- + S T
Rs.3/- + S T
Rs.4/- + S T
No charge


3. How many withdrawals allowed in a half year in Baroda Advantage Savings Bank a/c without charges

20
50
100
120
Unlimited


4. Minimum age for opening Savings Bank account in sole name of minor(able to read & write) is

10 Years & Above
14 Years & Above
18 Years & Above
15 Years & Above
21 Years & Above


5. In Baroda Bachat Mitra (Overdraft facility in savings a/c), what is the minimum overdraft facility

Rs.10000/-
Rs.5000/-
Rs.8000/-
Rs.25000/-
Rs.100000/-


6. What is the maximum amount of overdraft, we can allow in Baroda Pensioners Savings Bank a/c

1 month pension amount
2 month pension amount
10 month pension amount
20 month pension amount
No Overdraft


7. Minimum age required to obtain life insurance cover in the Baroda Jeevan Suraksha Savings Bank a/c

10 years
15 years
18 years
21 years
25 years


8. Exchange for Demand draft and Banker’s cheque for Baroda Premium current account holder is

25 % discount
50 % discount
100 % discount
No discount
None of the above


9. In Baroda Centenary SB account, interest will be payable ___________on daily product basis,

Quarterly basis
Half yearly basis
Yearly basis
Weekly basis
Daily basis


10. Immediate credit is given in Baroda premium current account privilege for Rs.

25000
50000
75000
150000
250000


11. Auto sweep facility is available in

Baroda premium current account
Baroda premium privilege current account
Both the above
Only in Baroda Premium Privilege current account only
No such facility is available


12. In Baroda Premium Privilege current account balance is to be maintained

Minimum 100000
Minimum 250000
QAB 100000
QAB 250000
None of the above


13. Minimum period of SDR in auto sweep for Baroda premium current account accounts is

15 days
5 days
45 days
7 days
30 days


14. Maximum no. of withdrawals allowed in a month in Baroda basic saving Bank a/c is

2
3
4
6
10


15. Minimum take home salary required under Baroda Salary Advantage a/c for OD f facility is Rs.-

1000
2000
5000
8000
10000

Wish You Best of Luck

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Mock Test -2 for Promotion- Clerical to Officer

Quiz Based on Finacle Menu

1. Which menu option can be used to generate a report contains all new accounts opened (as preventive measure)-

NEWACRPT
NEWACTR
GRNEWAC
NEWACINQ
NEWACRP


2. The menu option used in CBS for linking of Account number with Aadhaar number -

HANLKAC
HAPBSLN
HACLNPR
HRACLN
HACLNK


3. The menu option in Finacle to verify the cheque book request done through ATM

CHQVREQ
HCHQREQ
HCHREQ
CHQREQ
HCREQ


4. How to generate TDS Report including TDS deducted in NRO accounts and also closed accounts?

TDSRPT
TDSREP
TDSIP
TDSRT
TDSDRPT


5. The menu option in finacle to find interest accrued till date in NPA account -

INTAACR
ACACCR
INTACCR
NPACCR
NPAINTR


6. Menu option in finacle to enter a standing instruction is

HSIM
STP
HSSIM
HCLM
SPP


7. The finacle menu option for tracking Baroda Connect password is

BCPD
BCPDT
ACUID
HDCR
BTDM


8. The finacle menu to map the serial number of magnetic stripe passbook with the account number

SSPBP
SSPBK
SPBPK
SPBPS
SSPRN


9. Menu use for concession sanctioned to customers in respect of cash handling charges?

CONCASH
CHRGCON
CASHCON
CONCHRG
CONCESS


10. The finacle menu option for blocking card at branch level is

CARDBLK
DCARDBLK
DCARDBLOK
DBCARDBLK
CARDBLOCK

Wish You Best Of Luck...!!!

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Mock Test -1 for Promotion Clerical to officer

Quiz for Promotion

1. 1. Age of the principal borrower should not be less than ------- years while considering Housing loan ?

18
20
21
25
30


2. 2. What is the maximum repayment period that can be considered for repayment of Housing Loan?

30 Years
25 Years
20 Years
18 Years
15 Years


3. 3. What is the maximum OD facility under the Baroda Salary advantage account?

0.50 Lac
1.00 Lac
2.00 Lac
3.00 Lac
5.00 Lac


4. 4. What is the minimum stipulated limit under the Retail product, “Loan to Doctors”?

0.50 Lac
1.00 Lac
2.00 Lac
4.00 Lac
5.00 Lac


5. 5. What is the maximum time allowed for construction on a plot purchased under our Housing loan ?

12 months
18 months
24 months
30 months
36 months


6. 6. What is the maximum loan limit under Baroda Home loan scheme at Urban ?

50 lac
100 lac
150 lac
200 lac
300 lac


7. 7. What is the maximum limit under Car Loan to a salaried person?

18 times of G.M.I
20 times of G.M.I
24 times of G.M.I
30 times of G.M.I
36 times of G.M.I


8. 8. Rate of interest on home loan having CIBIL score 750 is-

1 year MCLR + Strategic Premium
1 year MCLR + Strategic Premium + 0.50%
1 year MCLR + Strategic Premium + 1.00%
1 year MCLR + Strategic Premium + 1.50%
1 year MCLR + Strategic Premium + 2.00%


9. 9. LTV Ratio of Home Loans above Rs.30/- Lacs up to Rs.75/- Lacs is -

50%
60%
75%
80%
90%


10. 10. Margin in Home Loans above Rs. 75 lacs

10%
20%
25%
30%
40%

Wish You Best of Luck

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