Digital Banking

MCQ based on Digital Banking

1. Per day ATM transaction limit for Rupay EMV Chip Debit card? 

a) `25,000    

b) `50,000    

c) `1,00,000   

d) `2,00,000  

e) none 

2. Per day ATM transaction limit for Visa EMV Chip Debit card?   

a) `25,000    

b) `50,000    

c) `1,00,000   

d) `2,00,000  

e) none 

3. Per day ATM transaction limit for Mastercard Gold ____

a) `25,000              

b) `50,000            

c) `75,000          

d) `1,00,000        

e) none 

4. Per day transaction limit at POS for Visa EMV Chip Debit card is ___    

a) `50,000          

b) `1,00,000         

c) `1,50,000        

d) `2,00,000        

e) none 

5. Per day transaction limit at POS for Mastercard Gold is ___   

a) `25,000           

b) `50,000           

c) `75,000          

d) `1,00,000/-      

e) none 

6. RuPay Card was launched by ____   

a) IDRBT  

b) RBI  

c) NPCI    

d) IBA  

e) VISA 

7. No. of ATM transactions allowed per day in Rupay/Visa Platinum EMV Chip Debit      Card is ___   

a) 4   

b) 5   

c) 8   

d) 10  

e) 12 

8. Mobile OTP Application (M-OTP), a recent initiative by our Bank is an enhanced       security feature of ______

 a. M-Connect         

b. Baroda Connect         

c. Mobile Snippets

d.  M-passbook        

e. all the above applications  

9. No. of ATM transactions allowed per day in Mastercard Gold is ___

a) 4    

b) 5     

c) 8   

d) 10  

e) 12   

                                                                                                          

10. Which of the following account holder is eligible for M-Connect facility?

a. Current account in the name of firm (single)

b. Nagrik Bachat Khata

c. NRE account (single)

d. Minor SB account (>14 years of age)

e. All are eligible 

11. SB accounts opened under Financial Inclusion scheme for minors above the age of        __ with operational instructions as ‗self‘ can be issued a RuPay PMJDY Debit card

a. 10  years       

b. 12 years        

c. 14 years      

d. 15 years        

e. 18 years 

12. The amount of penalty payable to customers for non-reimbursement of failed ATM       transaction amount within seven working days is ____.      

a) `20/- per day      

b) `50/- per day      

c) `100/- per day      

d) `100 per day from 8th working day of receiving complaint          

e)  Equivalent to transaction amount      

13. Visa Platinum EMV Chip Debit Card issued to a customer can be activated  ___    

a) Only at our ATM                      

b) at any POS          

c) at any NFS member ATM     

d) Only at ATMs with VISA logo  

e) none of these 

14. What is the per day/per transaction limit of fund transfer under NUUP platform        by dialing *99# ?

a.`3,000/-       

b. `5,000/-      

c. `10,000/-      

d. `15,000/-     

e. `25,000/- 

15. Our E-Business Department has been renamed as –

a. Transaction Banking Department          

b. Electronic Banking Department    

c. Net Banking Department                      

d. Electronic Transaction Department    

e. no such change 

16. Which of the following transaction options is not available under NUUP platform?

a. Balance enquiry      

b. mini statement      

c. mobile recharge      

d.  Request MMID       

e. IMPS Fund transfer 

                                                                                                 

17. What is the minimum amount per transaction under NUUP platform by dialing *99#

a.`10/-       

b. `50/-      

c. `100/-      

d. `500/-     

e. `1,000/- 

18. Which of the following type of account is NOT exempted from recovery of service       charges for our Debit cards?

a. Staff/ex-staff

b. Senior Citizens

c. Pensioners 

d. Current Account

e. No frill/Basic SB account 

19.What is the per transaction limit for IMPS P2M transaction for our M-Connect       Users?

a. `10,000/-    

b. `5,000/-     

c. `20,000/-   

d. `25,000/- 

e. `50,000/- 

20.What is the per day limit for IMPS P2M transaction for our M-Connect Users?   

a.`10,000/-    

b. `5,000/-     

c. `20,000/-   

d. `25,000/- 

e. `50,000/- 

21. IMPS stands for

a) Immediate Payment Service

b) Interbank Mobile Payment System

c) Indian Money Payment System

d) Internet banking Money Payment Service 

22. What is the per day transaction limit for Mobile Banking in our Bank?

a) `25,000       

b) `40,000   

c)`50,000    

d) `1,00,000     

e) none of these 

23.How much minimum amount can be loaded in Baroda Gift Card?    

a) `50      

b) `100     

c) `500    

d) `1000      

e) none 

24.Above the minimum amount, further amount that can be loaded to Baroda Gift Card      in multiples of __  

a) `1        

b) `10         

c) `50     

d) `100        

e) `500 

25.Baroda Travel Easy Card is available in which of the following currencies?

a. USD         

b. EURO        

c. GBP          

d. (a) & (c) Only     

e. all a, b & c

                                                                                                           

26.What is minimum load value for the Travel Easy Card?  

a. USD200, GBP150, EURO150         

b. USD200, GBP200, EURO200    

c. USD100, GBP100, EURO100         

d. USD500, GBP200, EURO200    

e. as requested by the customer 

27. Baroda Gift Card can be used for transactions at ___    

a) POS only    

b) POS & Online purchases   

c) POS & BoB ATM     

d) Any ATM     

e) POS & Online purchases & Bob ATM 

28. National Financial Switch is presently handled by ___    

a) RBI        

b) IDRBT  

c) NPCI      

d) IBA        

e) RTGS 

29. Baroda Contact Centers are located at ___    

a) Delhi & Mumbai   

b) Mumbai & Baroda  

c) Baroda & Lucknow 

d) Baroda & Delhi     

e) None 

30. Toll free numbers of Baroda Contact Centers are ___    

a) 1800 220 400 & 1800 102 44 55  

b) 1800 22 33 44 & 1800 102 44 55      

c) 1800 102 44 55 & 1800 102 56 27 

d) 1800 22 33 44 & 1800 102 56 27

 

31. What are the timings for Contact Centre services through IVR ie, without the help of agent?

a. 6 a.m to 8 p.m

b. 6 a.m to 10 p.m

c. 8 a.m to 8 p.m

d. 8 a.m to 10 p.m

e. Round the clock  

                                                                                                           

32. What are the timings for Contact Centre services through agents and web-chat?

a. 6 a.m to 8 p.m

b. 6 a.m to 10 p.m

c. 8 a.m to 8 p.m

d. 8 a.m to 10 p.m

e. Round the clock 

33. Which of the following modes does not allow a customer for Aadhar number         seeding in his/her account?

a) M-Connect

b) SMS      

c) Baroda Connect   

d) ATM    

e) Contact Centre 

34. Baroda e-Gateway processes _____ transactions.     

a) Internet Banking transactions    

b) Mobile Banking transactions      

c) Visa & Master Card transactions 

d) All e-banking transactions      

e) Baroda Cash Management Services (BCMS) 

35. Baroda Cash Management System has ___ fund management modules.    

a) 2    

b) 3     

c) 4    

d) 5    

e) 6 

36. ASBA facility is to facilitate the customer to –     

a) Tax payment online   

b) School fee payment   

c) Investment in Company Shares       

d) A facility to Corporate customers for fund management     

e) none of these 

37. What is the minimum period that can be opted for investment in FDR through our        Baroda Connect (Internet Banking) facility?   

a) 7 days            

b) 15 days         

c) 46 days          

d) 181 days       

e) 12 months    

                                                                                                           

38. What are the services available for a customer under ―Baroda SMS Banking‖         facility by sending an SMS to 5616150 –     

a. Balance Enquiry        

b. Mini Statement       

c. Cheque Status      

d. All the three (a), (b) & (c)      

e. only (a) & (b) 

39. Which one of the following is not a fund management module under BCMS –  

a. Collection                       

b. Payment                   

c. Liquidity Management            

d. Financial management     

e.  (a) & (b) 

40. Which of the following transactions in a Cash Credit Account gives an SMS alert?

a. cheque return transactions (inward & outward) irrespective of amount 

b. debit/credit transactions for `1.00 lac and above 

c. debit/credit transaction for `50,000/- and above 

d. (a) and (b) only  

e. (a) and (c) only   

41. What type of Banking services made easy with the help of ‗Unstructured         Supplementary Services Data‘ (USSD)?

a. E-Gateway     

b.Mobile Banking     

c.Net Banking    

d. All ADCs    

e. None 

42. Which is real time and session oriented platform for Mobile Banking transactions?

a. RTGS     

b. NUUP    

c. Baroda E-gateway     

d. NEFT     

e. NPCI 

43. NUUP provides certain basic banking services, which does not include –  

a. Account balance enquiry  

b. Mini Statement    

c. IMPS fund transfer    

d. mPin change    

e. cheque payment status

                                                                

44. What is the per transaction & per day limit for third party fund transfer for a         Retail User in our Baroda Connect?    

a.`2.00/`4.00 lacs                   

b. `2.00/`5.00 lacs                  

c. `3.00/`5.00 lacs      

d.`1.00/`3.00 lacs                    

e. `4.00/`4.00 lacs 

45. What is the maximum amount that can be remitted through NEFT/RTGS per        transaction through Baroda Connect by a Retail User? 

a) `1.00 lac       

b) `2.00 lacs         

c) `3.00 lacs    

d. `4.00 lacs       

e. `5.00 lacs 

46. Which of the following facilities is not presently available in our Baroda Connect? 

a. investment in FDR      

b. investment in shares through ASBA      

c. IMPS fund transfer through NEFT instantly      

d. instant third party fund transfer after registration      

e. opening of RD account 

47.What is the per transaction/per day limit without debit card in our Cash Deposit       Machine?

a. `10,000/-        

b. `15,000/-     

c. `20,000/-    

d. `30,000/-     

e. `49,900/- 

                                                                                           

48. What beneficiary details are sufficient for a customer to affect an IMPS        remittance through M-Connect (Person to Person)?   

(1) Mobile number  (2) MMID    (3) Account Number   (4) IFSC

a. only (3) & (4)  

b. only (1) & (2)

c. (1), (3) & (4)

d. only (3) & (4)

e. all (1) (2) (3 & (4)  

49. What is the per transaction limit for NEFT transaction through our ATM for BOB   Customer?

a. `10,000   

b. `15,000    

c. `25,000    

d. `50,000    

e. `1,00,000 

50. In Baroda connect, how many beneficiaries can be registered in one day?

a. 5             

b. 3              

c. 2               

d. 1                 

e. any number

51. PAM is one of the security Measures used in online banking where the user can       confirm the authenticity of the website. What is PAM stands for?

a. Personal Acceptance message      

b. Personal Assurance Message

c. Permanent Acceptance Message   

d. Personal Assurance Media

e. Personal Acceptance media       

                                                                  

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MCQ based on Retail Assets

MCQ based on Retail Assets

1.One of our USPs in case of housing loan is -

a) Free personal accident& house building insurance

b) Free personal accident insurance

c) Free life insurance

d) Free life & building insurance

e) Free house building insurance

2. What is maximum housing loan limit for a rural/semi urban branch?

a) `50 lacs

b) `75 lacs

c) `100 lacs

d) `150 lac

e) `200 lacs

3. Loans for repairs to the damaged dwelling units of families up to ` -----lac in rural and semi- urban areas and up to `----- in urban and metropolitan areas qualifies for priority sector.

a) 1,2

b) 2,5

c) 1,4

d) 2,4

e) 1,5

4. What is the revised margin for Home Loans upto `20 lacs?

 a. 10%

b. 15%

c) 20%

d) depends upon monthly income

e) none

 5.The maximum allowable moratorium period in case of Home Improvement loan is-

(a) 06 months

(b) 12 months

(c) 18 months

(d) 24 months

(e) 30 months

6. What is the revised margin for Home Loans above `20 lacs & upto `75 lacs?

a. 10%

b. 15%

c) 20%

d) 25%

e)depends upon monthly income

 7. What is the maximum period for repayment of Home Improvement loan?

(a) 10 years

(b) 15 years

(c) 20 years

(d) 25 years

(e) 30 years

8. The maximum limit that can be sanctioned in Home Improvement loan is -

(a) `10lac

(b) `25lac

(c) `50lac

(d) `75lac

(e) `100lac

9. Home improvement loan cannot be given to

(a) HUFs

(b) Staff

(c) Director of a company

(d) Partner of a firm

(e) both a & b

10. For availing Home Improvement loan, the principal borrower must be employed or to be in business at least for ----------.

(a) 6 months

(b) 1 year

(c) 2 years

(d) 2.5 years

(e) 3 years

11.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%

12. Valuation of the property at the time of considering AAA facility should not be older than ------------.

a)01 years

b) 02 years

c) 03 years

d) 05 years

e) None of these

13. The minimum amount of loan under AAA facility-

a)`0.25 lacs

b) `0.50lac

c) `1.00lac

d) `Rs.2.00lac

e) `5.00lac

 14. 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

15 For becoming eligible for home loan, a N.R.I must have been employed overseas or having a business unit for the last ------- years

(a) 1 year

b) 2 years

c) 3 years

d) 4 years

e) No such condition

16. What should be the minimum income per annum for a NRI, to become eligible for NRI home loan?

(a) `1 lac

b) `3 lacs

c) `4 lacs

d) `5 lacs

e) `6 lacs

17. The maximum repayment period for a N.R.I home loan is ------ years.

(a) 10

b) 15

c) 20

d) 25

e) 30

18. The income criteria for calculation of outer limit of housing loan in case of N.R.I (salaried) is------------subject to repayment capacity.

(a) 25 times of gross monthly income

(b) 36 ------------do---------

(c) 48 ------------do------------------

(d) 54------------do-------------------

(e) As per norms of home loan to residents

19. 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

20. What should be the minimum stipulated margin on the value of property in our Retail Product, Baroda Ashrey?

 a) 15%

b) 20%

c) 25%

d) 30%

e) 40%

 21. 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

22. 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

 23. 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

24. In Baroda Ashray Loan, the mortgaged property is to be revalued at an interval of every --------years during the entire period of loan.

a)2

b) 3

c) 1

d) 5

e) 4

 25. What is the maximim limit under loan to Professionals as a Retail borrower?

(a) `10 lacs

(b) `20 lacs

(c) `25 lacs

(d) `50 lacs

(e) `100 lacs

26. What is the maximum amount of loan that a Rural branch can sanction under Baroda Mortgage Loan?

(a) `2.00lac

b) `5.00lac

c) `10.00lac

d) `50.00 lacs

e) `100.00 lacs

27. What is the DLP for an Officer in Scale-III for considering Baroda Mortgage loan?

a) `10 lacs

b) `20 lacs

c) `25 lacs

d) `50 lacs

e) `100 lacs

28. What is the maximum moratorium period allowed in Baroda Mortgage loan?

(a) 03 months

b) 06 months

c) 12 months

d) 18 months

e) 24 months

29. While considering Baroda Mortgage loan, normally age of the building should not exceed -------years

a)10

b) 15

c) 20

d) 25

e) 40

30. What can be the minimum amount of loan under Future Rent receivable scheme to the land lord of Bank of Baroda premises?

a)`5.00lacs

b) `10.00lacs

c) `15.00lacs

d) `20.00lacs

(e)No minimum limit

 31. For considering Baroda Traders Loan, the borrower should be in the line of activity /business for a minimum of ----- years

(a) 01 year

b) 1.5 years

c) 2 years

d) 2.5 years

e) 3 years

32. What is the periodicity of inspection in a standard Baroda Traders Loan account?

(a)As per credit rating

(b) Bi monthly

(c) Quarterly

(d) half-yearly

(e) Once in a year.

33. What is the maximum loan that can be considered under Baroda traders Loan?

(a) `50.00lacs

b) `100.00lacs

c) `250.00lacs

d) `300.00lacs

e) `400.00lacs

34. What should be the minimum amount of loan that can be availed in Baroda Trader Loan against gold ornaments?

a) `0.25lac

b)`0.50lac

c) `2.00lacs

d) `3.00lacs

(e)`5.00lacs

35. What is the maximum limit allowed under our Retail Product Baroda Advance against gold Ornaments/jewellery?

(a) `2.00 lacs

b) `10.00 lacs

c) `15.00 lacs

d) `20.00 lacs

e) `25.00 lacs

36. What should be the stipulated margin for advance against gold ornaments for more than `3.00 lacs?

(a) 15%

b) 25%

c) 30%

d) 35%

e) 40%

37.For availing benefit of education linked subsidy scheme, maximum amount of the income of entire family of student not to exceed `------lacs p.a

(a) `2.00

b) `3.50

c) `4.00

d) `4.50

e) `5.00

38. What is the maximum limit for purchase of new vehicles under SME scheme for financing existing borrowers for purchase of new vehicles?

a.`50 lacs

b. `100 lacs

c. `150 lacs

d. `200 lacs

e. `300 lacs

39.What is the stipulated margin under Baroda Scholar Education Loan scheme?

(a) 5%

b) 10%

c) 15%

d) 20%

e) 25%

40. In which of the following products, 100% collateral is stipulated irrespective of the sanctioned limit?

(a) Baroda Gyan

(b) Baroda Scholar

c) Baroda Career development

(d)Baroda Vidya

(e) No such scheme

41. RBI has advised all PSBs to earmark _____ of their Net Bank Credit for lending to women

a. 1%

b. 3%

c. 5%

d. 8%

e. 10%

42.What is the maximum eligible amount in Baroda Auto Loan for purchase of an old Car?

(a) `5.00lacs

b)`10.00lacs

c)`15.00lacs

d)`20.00lacs

e)`25.00lacs

43. What is the minimum stipulated margin while financing car (above `15.00lac)?

(a) 10%

b) 15%

c) 20%

d) 25%

e) 30%

44. What is the maximum limit for purchase of new vehicles from commercial vehicle manufacturers under scheme for financing Road Transport Operators?

a. `10 lacs

b. `25 lacs

c. `50 lacs

d. `75 lacs

e. `100 lacs

45. What is the maximum ceiling for the deviation charges under Retail lending (other than Housing Loan) products?

 a) `5000

b) `6000

c) `10000

d) `15,000

e) `20,000

46 What is the maximum ceiling for Defense pensioners‘ loan in our bank?

a) `1.00lac

b) `2.00lacs

c) `3.00lacs

d) `4.00lacs

e) `5.00lac

47.What is the maximum ceiling for considering Pensioners‘ loan, other than defense Pensioners?

(a) 4 times

b) 5 times

c) 6 times

d) 8 times

e) 10 times

48. As per Commercial Real Estate exposure, the Loan against Rent Receivables limit upto _____ can be considered under Retail Banking segment to individuals-

a. `1 Cr

b. `2 Cr

c. `3 Cr

d. `5 Cr

e. `10 Cr

49.In case of non allotment of property/plot, Loan for earnest money deposit to be repaid lump sum within a period of ----

(a) 01 month

b) 02 months

c ) 03 months

d) 06 months

e) 12 months.

50.In case of loan to Doctors (Retail), up to what limit collateral security can be waived?

a) `2.00lacs

b) `3.00lacs

c) `5.00lacs

d) `10.00lacs

b) It cannot be waived

51. What is the minimum stipulated limit under the Retail product, ―Loan to Doctors‖?

(a) `0.50lacs

b) `1.00lacs

c) `2.00lacs

d)`5.00lacs

e) No minimum limit

52. What is the maximum limit of eligible housing loans under Credit Risk Guarantee Fund Trust Scheme (CRGFS) for low income housing in urban areas?

a. `5.00 lacs

b. `6.00 lacs

c. `8.00 lacs

d. `10.00 lacs

e. `15.00 lacs

53. What is the maximum loan limit for our staff against N.S.Cs ? a) `3.00lac b) `5.00lac c) `10.00lac d) 5 times of gross salary e) 6 times of gross salary 54. What is the maximum ceiling to the customer for availing loan against NSC/Life Insurance policy?

a) `15.00 lacs

b) `25.00lacs

c) `50.00lacs

d) `100.00lacs

(e)No such ceiling

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

(a) `0.50 lacs

b) `1.00 lac

c) `2.00 lacs

d) `3.00 lacs

e) `5.00 lacs

56. The OD limit allowed for Baroda salary advantage SB account should be brought in to credit balance at least once in ---------- days.

(a) 30

b) 45

c) 60

d) 90

e)Not required

57. Age of the principal borrower should not be less than ------- years while considering Housing Loan.

a)18

b)20

c) 21

d) 25

e) 30

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

a) 30 years

b) 25 years

c) 20 years

d) 18 years

e) 15 years

59. What is the maximum repayment period allowed for Two Wheeler and Consumer Durable Loans?

(a) 35 months

b) 36 months

c) 48 months

d) 60 months

e) 84 months

60. What is the maximum limit under our SME Product ‗Baroda OD against Land & Building‘ Scheme in a Rural area?

a. `10 lacs

b. `25 lacs

c. `50 lacs

d. `75 lacs

e. `100 lacs

61. Upto what limit an Education loan for studies in India is classified as priority Sector?

(a) `5 lacs

b) `10 lacs

c) `15 lacs

d) `20 lacs

e) `25 lacs

62. In case of takeover of retail loans, though within the DLP of a sanctioning Authority, prior permission is required from___

(a) Regional head

b) Zonal Head

c) D.R.M

d) Chief manager

e) Permission not required

63. In our Bank, on-line application facility is not provided for which of the retail products given below?

(a) Baroda Home Loan

(b) Baroda Car Loan

(c) Baroda Personal Loan

(d)Baroda Education Loan

(e) none of these

64. What is the periodicity of inspection of security in case of a fully disbursed & well run Baroda Home loan account?

(a) 06 months

(b) 01 year

(c) 02 years

(d) 03 years

(e) 05 years

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

(a) 12 months

(b) 18 months

(c) 1 year

(d) 2 years

(e) 3 years

66. What is the maximum loan limit under Baroda Home loan scheme at Urban & Metro centres?

(a) `50lacs

(b) `100lacs

(c) `150lacs

(d) `200lacs

(e) `300.00lacs

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

(a) 18 times of G.M.I

(b) 20 times of G.M.I

(c) 24 times of G.M.I

(d) 30 times of G. M.I

(e) 36 times of G.M.I

 68. Which of the following constitutions not eligible for Baroda Traders loan?

(a) Individuals

(b) Proprietorship firms

(c) Pvt. Ltd. Co

(d) Registered Co operative Societies

(e) Public Ltd co.

69. Upto what limit an Education loan for studies abroad is classified as priority Sector?

(a) `4 lacs

(b) `5 lacs

(c) `10 lacs

(d) `15 lacs

(e) `20 lacs

70. In housing loan, age of Co-borrower should not be less than ------- years.

(a) 21

(b) 18

(c) 25

(d) 30

(e) 20

71. What is the percentage of margin for financing old car of its accepted value?

(a) 10%

(b) 15%

(c) 25%

(d) 30%

(e) 40%

72. For applying personal loan, the prospective borrower must be employed at least for the last ----------.

(a) 06 months

(b) 18 months

(c) 1 year

(b) 2 years

(c) 3 years

73.What is the revised margin for Home Loans above `75 lacs?

a. 10%

b. 15%

c) 20%

d) 25%

e) depends upon monthly income

 74. Addition of co-borrower is allowed for Car Loan, subject to –

a. Minimum age of co-borrower is 18

b. Should be a family member of the principal borrower

c. Vehicle should be registered in the name of first applicant

d. If income of co-borrower is accepted for higher limit, sustainability of income to be ensured

e. All the above

75. What is applicable Rate of Interest for our Baroda Car Loan?

a. Base Rate + 0.50% uniform for all tenor

b. Base Rate + 0.25% for loans up to 5 years & Base Rate + 0.50% for loans more than 5 years

c. Base Rate + 0.25% for all tenor

d. Base Rate

e. None of these

76.Which of the following Deviations for Baroda Auto Loan where Regional Head/ Zonal Head has been given full powers for ‗waiver‘?

a. Existing account relationship

b. Maximum age parameters

c. Income criteria

d. Repayment period

e. (a), (b) & (c) only

77. Which of the following is/are TRUE with respect to extension of mortgage of property to secure more than one Retail /other loan?

(i) Regional Head can allow extension upto -2- Loans

(ii) Zonal Head can allow extension upto -3- Loans

(iii) Committee of GMs has full powers in this aspect

a. Only (i) & (ii)

b. Only (i) & (iii)

c. Only (ii) & (iii)

d. only (i)

e. all (i),(ii) & (iii)

78.Under Home Loan to Staff members under Public Scheme, what is the maximum eligible amount for purchase/construction of house?

a) any amount as per repaying capacity/take home salary

b) `10 lacs

c) `15 lacs

d) `25 lacs

e) `30 lacs

Q79. In loan to doctors up to what amount collateral security can be waived;

a)             Rs.2.00lacs

b)            Rs.5.00lacs

c)            Rs.3.00lacs

d)            Rs10.00lacs

e)            It cannot be waived

Q80. The minimum amount which can be sanctioned under the scheme of loan to  

      Doctors.

(a)           Rs.0.50lacs

(b)          Rs.1.00lacs

(c)           Rs.2.00lacs

(d)          Rs5.00lacs

(e)           No minimum limit

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