Mock Test Day 7 Pre-Promotion Training Officer 23-24, Baroda Academy, Ahmedabad

Mock test day 7 Pre-promotion training officer 23-24, Baroda Academy, Ahmedabad 16/01/24, 12:00 AM
Mock test day 7 Pre-promotion training

officer 23-24, Baroda Academy,
Ahmedabad
Total points 84/123
Disclaimer:
This test is intended to facilitate learning. It should not be considered as a substitute of
Banks operational guidelines issued from time to time. Though all efforts have been made
to incorporate latest and correct information of the related topics but in case of any doubt
please refer Book of Instructions, reference book, circulars and the various guidelines of
the Bank.
Name *
Sudhansu mishra
EC Number *
180947
Branch * ···/1
bcc
https://docs.google.com/forms/d/e/1FAIpQLSe4eRKVyuKF53Y9bQi…aHeJ77xlf4GIlcjWrFGlV6yeQMKUYK-E9UREwzpeteu0WgbtWwG-7ZVkW4 Page 1 of 61
Region * ···/1
bcc
Zone * ···/1
bcc
1.Memon Cooperative Bank Ltd merged with Bank of Baroda in year * 0/1
2009
2010
2011
2012
Correct answer
2011
2.How many core values have been adopted by Bank of Baroda * 1/1
3.Which is Single window for resolution of complaints against RBI *1/1

regulated entities?
banking ombudsman
integrated ombudsman
internal ombudsman
reserve bank integrated ombudsman
4.What are the options available in PMY menu which is used in *1/1
PMSBY/PMJJBY
inquiry
modify
add
all of above
5.Now enrolling for PMJJBY/PMSBY has to be done through...?A. PMY *1/1

menu B. Jan Samarth portal C. Jan Suraksha portal
only a
only c
only b & c
all a,,b & c
6.Bank has entered into Agreement with ...... For courier service for *1/1
international air dispatches
M/s Blue dart express ltd
M/s DHL express (I) pvt ltd
M/s DTDS Courier services
Indian post
7.Which among the following are the three lines of defence structure *0/1
proposed for handling Digital Channels Related complaints?
Customr, Branch, Digital chennal & operations department
Branch, Region/Zone, Digital chennal & operations department
Branch,region, zone
Branch, ECM,Digital chennal & operations department
Correct answer
Branch, Region/Zone, Digital chennal & operations department
8.new menu_________ introduced for collection of direct taxes * 1/1
TIN2.0
TINOTC
TINTOC
CBDT
9.Menu introduced for hassle-free closure of RLBO rejected non *1/1

compliant accounts with freeze reason code HOPNF
SCIF
BOBMENU
RLBOCAAC
HOPNACCT
10.The per day transaction limit in BOB World of retail customer in IMPS *1/1
(Beneficiary payment) is Rs. _______ lacs
10
11.Finacle menu for issuance/generation of notices to be sent to the *1/1

customer for carrying out periodic updation (Re-KYC) -
RPTRA
HRCREP
BOBMENU
HKYCREP
12.a separate menu ________ menu has been developed in FINACLE *1/1
system for easy monitoring of Current Accounts at the branch level
HCFLAFCA
CAMONITOR
MONITCA
ACFLAGCA
13.Menu for cancel/modify Pending AFI entry * 0/1
HAFI
AFIUPD
HCAFI
HCCAFI
Correct answer
AFIUPD
14.Applications received from merchants with concessions for POS *1/1

terminals to be submitted by the Branch/RMM/ZMM to ______ through
Digital On boarding Solution
BCC
CPC
Wealth Management Dept HO
Next higher authority
15.Ramesh, Aged 65 years has submitted his Life Certificate in 2023. His *1/1
life certificate is valid till _______
31.03.2024
31.10.2024
30.11.2024
30.09.2024
16.For processing of Digital Auto Loan the Appliacant name in CBS *1/1
should be in the fromat of
FIRST - MIDDLE - LAST
LAST - FIRST - MIDDLE
FIRST- LAST
Any from (A) or (B)
17.What is the daily cash withdrawal limit of VISA vyapar business card? * 1/1
50000/-
100000/-
150000/-
200000/-
18.Baroda BPCL co-branded card can be issued to which of the following *1/1
account holders? (sellect all that applicable)
Salary super
Bank Staff
Baroda Champ
Mahila Shakti
19.NETC stands for * 1/1
National Electronic Transfer Collection
National Electronic Transfer Centre
National Electronic Toll Collection
National Electronic Toll Centre
20.whatsapp banking is available for * 1/1
self
E or S
F or S
Sole Proprietorship
https://docs.google.com/forms/d/e/1FAIpQLSe4eRKVyuKF53Y9bQ…HeJ77xlf4GIlcjWrFGlV6yeQMKUYK-E9UREwzpeteu0WgbtWwG-7ZVkW4 Page 10 of 61
21.Sandip Manufacturers wants to hedge their exchange Risk for Import *1/1
Payment due after Three Months. What would you suggest?
To book a Forward Purchase Contract
To book a Forward Sale Contract
Both above
None of the above
22.M/s Thermofare Ltd, having IEC code and License for Imports, intends *1/1
to avail finance for Import of Raw Material into India. Which policy will
decide whether to extend Finance or not?
Foreign Trade Policy
RBI’s Monetary Policy
Bank’s Lending Policy
FEDAI's Policy
https://docs.google.com/forms/d/e/1FAIpQLSe4eRKVyuKF53Y9bQ…aHeJ77xlf4GIlcjWrFGlV6yeQMKUYK-E9UREwzpeteu0WgbtWwG-7ZVkW4 Page 11 of 61
23.Any Person may Draw from / Sell to, Authorized Person, Foreign *1/1
Exchange for eligible Transactions subject to T/C and Limits prescribed
by RBI. Which are the eligible Transactions ?
Current Account Transactions
Capital Account Transactions
Both above
None of the above
24.In absence of a Forward Contract, Export Bill will be discounted by *1/1

Bank at
Prevailing Bill Buying Rate
Prevailing TT Buying Rate
Prevailing CN Buying Rate
Prevailing TT selling Rate
25.M/s Chittalekar & Co. wants to book a Forward contract as they *1/1
expect receipt of Import Documents in near future, say within 3 months.
What are the delivery options available to the Firm under Forward
Contract ?
Fixed Date Delivery if due date of payment is known.
Option period of Delivery if payment date is not known.
Both above options are available
Option period of Delivery if payment date is not unknown.
26.The scheme of payment of special medical aid to retired employeeon *1/1

reaching the age 70/75/80 years and beyong the age of 80 years, who of
the following/s is/are exclusion from the scheme
Retired from Bank's service on superannuation
retired from bank's service who sought voluntary retirement under BOB(E)VRS 2001
employee who have ben discharged /dismissed by the way of punishment
when regulation 20(3)(iii) of BOBOSR -1979 is invoked, the beinift will be

available only after completion of disciplinary/judicial proceedings
27.The scheme of payment of special medical aid to retired employeeon *0/1

reaching the age 70/75/80 years and beyong the age of 80 years, the
amount to be reimbursed under the scheme to clerk is
2500
3000
3500
4500
Correct answer
3000
28.Who normally rectify the clerical or arithmetical errors in order passed *1/1
by DRT? (i) Recovery Officer, (ii) Presiding officer
Only (i)
Only (ii)
Either (i) or (ii)
Both (i) and (ii)
29.Sweat Equity Shares can be issued to which of the following *1/1

employees?
A permanent employee of the company who is working in India.
A permanent employee of the company who is working outside India
A director of the company working in the subsidiary of the holding company
All of the above
30.Interest on CRR balances kept by banks with RBI is paid by RBI at the *1/1
rate of
Bank Rate
Repo Rate
3%
Nil
31.Which of the following banks is called the negotiating bank? * 1/1
the bank that veriies the apparent authenticity of LC
the bank that makes the payment to the beneiciary on receipt of documents as
mentioned in LC
the bank that guarantees the payment to the beneiciary in case the opening bank
does not pay
the bank that purchases the documents at a discount, if these are not drawn as per
terms of LC
32.Income Tax deductions on donations comes under section . of Income *0/1

Tax Act
80C
80CCD
80G
80J
Correct answer
80G
33.Cash account, Fixed asset accounts should not go into _____ balance. * 1/1
Debit
Credit
nither in credit nor in debit
Negative Balance
34.What is the full form of LEI used to uniquely identify parties to *1/1
financial transactions worldwide?
Loan Entity Identiier
Legal Entity Identiier
Lender Entity Identiier
Last Entity Identiier
35.The LEI consist of how many alpha-numeric character? * 1/1
10
15
18
20
36.Which transactions should include LEI information? * 1/1
20 Crores & above
50 Crores & above
100 Crores & above
200 Crores & above
37.Sec 85 of NI Act, 1881 extends protection to the______ * 0/1
Paying Banker
Collecting Banker
Advising Banker
Issuing Banker
Correct answer
Paying Banker
38.Bank has introduced a new menu for cancellation of CBS demand *1/1
draft and banker cheque is
DDBCX
BCDDX
DDBCD
BCDDD
39.Menu for maintaining records of assets under safe customdy is * 0/1
SCVM
MSCV
SCMV
SCMR
Correct answer
SCVM
40.01.09.2021, Cheque of Rs ______ /- & above is to be mandatorily *1/1

confirmed by staff members under Positive Pay System (CPPS).
25000
50000
100000
200000
41.which of the following Customers do-not require high level of *1/1

monitoring
PEP
HNI
Company account
Trust
42.Bank has implemented online scanning of existing as well as new *1/1

customers from UNSCR . What is full form of UNSCR.
United Nations Security Council Resolution
United Nations Safety confederation resolution
Unique National Security Council Resolution
United Nations Safety Council Resolution
43.Illustrative examples of low risk accounts does not include * 1/1
people belonging to lower economic strata
salaried and pensioners
Non-Government Organisations (NGOs) promoted by the United Nations or its

agencies,
Jeweller's account
44.Positive confirmation (obtaining KYC related updates through e- *1/1

mail/letter/telephonic conversation/forms/interviews/visits, etc.), will be
required to be completed at least every ____ years for medium risk and at
least every ____ years for low risk individuals and entities.
three, ive
two, three
eight , ten
three,two
45.There are three types of CDD that can be used by branches in *0/1
accordance with the risk category of the customer. Which are they ?
Simple, moderate, enhanced
basic, simple, enhanced
basic , deep, enhanced
basic, simple and extensive
Correct answer
basic, simple, enhanced
46.In case of ____ risk customers, branches should obtain additional *1/1
information on the customer beyond documentary evidence.
low
medium
high
all
47.An indicative list of additional information on the customer beyond *1/1

documentary evidence does not inlcude
Report by branch manager
Veriication of customer information with independent data sources
Information on net worth
Passport
48.In case the identity information relating to the Aadhaar number or PAN *1/1
submitted by the customer does not have current address, an OVD must
be obtained from the customer for this purpose. Which document is not
eligible as OVD.
utility bill which is not more than two months
Gram panchayat letter
letter of allotment of accommodation from employer issued by State Government

or Central Government Departments,PSU
pension or family pension payment orders (PPOs) issued to retired employees by

Government Departments or Public Sector Undertakings, if they contain the
address
49.‘Small Account’ means a saving bank account, which complies with *1/1
which conditions
The aggregate of all credits in a inancial year does not exceed rupees one lakh
The aggregate of all withdrawals and transfers in a month does not exceed rupees
ten thousand
The balance at any point of time does not exceed rupees ifty thousand
all of the above
50.small account shall remain operational initially for a period of _____ *1/1
months, and thereafter for further period if the holder of such an account
provides evidence, before the bank, of having applied for any of the OVDs
within twelve months of the opening of the said account, with the entire
relaxation provisions to be reviewed in respect of the said account after
______ months.
12,24
12,12
12,36
6,12
51.The periodicity of updation of KYC in case of medium risk customer is * 1/1
10
52.Which of the following is not an OVD document? * 1/1
Driving Licence
Job card under NREGA issued by state Government
Passport
Pan Card
53.In Baroda Home Loan for purchase of property worth more than Rs. *1/1
10 Lakhs, following can NOT be included in project cost -
Township Corpus Fund
GST (currently 18%)
Club house membership charges, if same is transferable
Stamp Duty
54.In Baroda Home Loan, if age of property to be mortgaged is more than *0/1
25 years and if structural soundness of the building is ascertained by
obtaining certificate from the empaneled valuer -
The loan may be considered upto residual life of the property subject to
obtaining deviation from next higher authoriy
The loan may be considered upto residual life of the property without any deviation
The loan may be considered upto residual life of the property subject to obtaining
deviation from ZOCC upto DLP of ZOCC
The loan may be considered even if tenure of loan exceeds residual life of the
property by max 5 years without any deviation
Correct answer
The loan may be considered upto residual life of the property without any deviation
55.For a home loan application with applicant's CIBIL score being 750 *0/1
(female applicant of radiance segment and not opting for credit life
insurance), if agreement value plus additional work cost is Rs. 320 Lakhs
and realizable value of said property is Rs. 350 Lakhs, then what will be
the proposed home loan amount and applicable ROI on said loan limit
under ongoing Festival Campaign?
262.50 Lakhs, 8.75%
288 Lakhs, 8.80%
288 Lakhs, 8.75%
262.50 Lakhs, 8.80%
Correct answer
262.50 Lakhs, 8.80%
56.For Baroda Car Loan to PIOs, in whose name the vehicle should be *1/1
registered?
PIO himself/ herself
Close-relative who stood as applicant/ co-applicant
Any individual who stood as applicant/ co-applicant including non-relatives as well
PIO can not purchase car in India, hence he/she can not avail car loan in India
57.Fill in the blanks: For Corporates having external rating of minimum *0/1
______ and above availing one car loan of maximum Rs. ____ Lakhs from
Bank of Baroda but not desirous of noting Bank's charge with ROC, COCC
CGM may allow such deviation.
BBB, 25 Lakhs
BBB+, 20 Lakhs
BBB, 20 Lakhs
A, 50 Lakhs
Correct answer
BBB+, 20 Lakhs
58.Maximum how many grans if specially minted gold coins can be *1/1
pledged for gold loans?
25 grams
50 grams
75 grams
100 grams
59.Fill in the Blank: Gold loan should be secured by minimum _______ *1/1
carat gold jewellery/ornaments/specially minted coins /hall marked gold
jewellery/ornaments.
22 carat
20 carat
18 carat
None of the above
60.Parag Desai has approached a branch in Ahemdabad Metro - 1 Region *0/1

for sanction of a mortgage loan limit of Rs. 25 Crores. In this context,
Choose the most suitable alternative from the following:
Loan can not be considered as maximum loan allowed under BML scheme in
Metro area is Rs. 10 Crores only
Loan may be considered as maximum amount of loan that can be considered

under BML scheme in Metro area is Rs. 25 Crores
Maximum loan allowed under BML scheme in Metro area is Rs. 10 Crores only;
deviation regarding maximum amount of funding under BML scheme is to be taken
from CACB
Loan may be considered as maximum amount of loan that can be considered

under BML scheme in Metro area is Rs. 25 Crores, however, recommendation from
Regional Manager will be required
Correct answer
Loan may be considered as maximum amount of loan that can be considered under
BML scheme in Metro area is Rs. 25 Crores
61.What is the DLP of officers upto Scale III for sanctioning loan under *1/1
BML scheme?
50 Lakhs
100 Lakhs
25 Lakhs
None of the above
62.Additional moratorium period up to 3 spells of 6 months each) may be *0/1

allowed during life cycle of education loan, taking into account the period
of unemployment/ underemployment and ______ of higher provisioning is
to be made during moratorium plus 1 year for such loans.
10%
7.50%
5%
2.50%
Correct answer
5%
63.Under Baroda Education Loan scheme for Executive Development *1/1

Programmes (Part Time/Weekend/Online Programmes) being offered by
Premier Institutions in India under “Baroda Education Loan to Students of
Premier Institutions”, is serving interest during moratorium mandatory?
Not mandatory as interest charged during moratorium period is capitalized
Mandatory
Mandatory if loan amount is more than Rs. 20 Lakhs
None of the above
64.Which one of the following is NOT true for Baroda Personal Loan *1/1
(Group A, Group B and Group C)?
Applications to be considered on individual basis only. Co- applicants are not to be

allowed.
NRI/PIO is not eligible for Personal Loan scheme
Employees of proprietorship and partnership irms are eligible subject to

minimum 1 year of service
All of the above are correct
65.The MPC reviews the following in its meeting (select all that apply) * 0/1
Survey to gauge customer conidence
households inpation expectations
Corporate sector performance
Average banks inancial performance
Correct answers
Survey to gauge customer conidence
households inpation expectations
Corporate sector performance
66.The minutes of MPC are published ___ days after the meeting * 1/1
7 days
14 days
30 days
45 days
67.The minutes of MPC includes * 1/1
Governor's statement
resolution adopted by MPC
short written statement of individual members justifying the vote
Voting of each member on the resolution
68.The monetary policy report is published by RBI ____ * 0/1
quarterly
once in six months
annually
14 days after MPC meeting
Correct answer
once in six months
69.The monetary policy report of RBI consists of _______ (select all that *0/1
apply)
explanation of inpation dynamics & near term inpation outlook
Projections of inpation & growth and the balance of risks
Review of operating procedure of monetary policy
Assessment of projection performance
Correct answer
explanation of inpation dynamics & near term inpation outlook
Projections of inpation & growth and the balance of risks
Review of operating procedure of monetary policy
Assessment of projection performance
70.Central Board of Indirect Taxes and Custom (CBIC) has upped the *0/1
threshold for launching prosecution and arrest to _______ in case of duty
evasion.
Rs.1.00 cr
Rs.50.00 Lakh
Rs.2.00 cr
Rs.5.00 cr
Correct answer
Rs.2.00 cr
71.The Reserve Bank has launched a new tech initiative named _____ *1/1
which is an Advanced Supervisory Monitoring System and is expected to
make the Supervisory processes more robust. It is a web-based end-to-
end workflow application through which RBI shall monitor compliance
requirements in a more focused manner:
YOGYA
DAKSH
NIPUN
SAMARTH
72.RBI has decided to adopt a simple four-tiered regulatory framework *0/1

with differentiated regulatory prescriptions aimed at strengthening the
financial soundness of the existing UCBs. UCBs shall have minimum net
worth as under: a)Tier 1 UCBs operating in a single district shall have
minimum net worth of Rs.____crore. b) All other UCBs (of all tiers) shall
have minimum net worth of Rs.____ crore
1;3
2;5
3;5
5;10
Correct answer
2;5
73.The Reserve Bank of India has made significant regulatory changes in *0/1
the hedging of Commodity Price Risk and _____ Risks with the aim to
establish a guiding principle for hedging commodity and freight risks and
remittances for the eligible entities subject to those risks.
Interest
Exchange
Freight
Currency
Correct answer
Freight
74.The Reserve Bank of India has issued revised guidelines on Foreign *1/1
Exchange Management (Hedging of Commodity Price Risk and Freight
Risk in Overseas Markets). As per the guidelines, RBI has permitted
Generic products and Structured products. Which of the following is not
the Generic product permitted by RBI:
Futures and forwards
Vanilla options (call option and put option)
Swaps
Forward Rate Agreement (FRA)
75.As per revised guidelines on Foreign Exchange Management (Hedging *0/1

of Commodity Price Risk and Freight Risk in Overseas Markets),
Structured products may be permitted to eligible entities who are listed
on recognized domestic stock exchanges or fully owned subsidiaries of
such entities or unlisted entities whose net worth is higher than INR _____
crore, subject to the condition that such product are used for the purpose
of hedging as defined under these directions
100
200
300
500
Correct answer
200
76.EASE 5.0. is based on how many themes? * 1/1
77.Under action point of EASE 5.0 which of the following are the *1/1
examples of the open API banking for integration with new age
businesses
Data visualization
Trade services
Cloud engineering
API integration
78.Under theme of ___ In EASE 5.0 action point of deepening financial *1/1
inclusion in rural areas Is covered
Modern technology capabilities
Digitally enabled customer offerings
New age 24*& banking
Colllaborative & development focused banking
79.Overvie of EASE 6.0 reform agenda includes which of the following ? *1/1
(Select all that apply)
Delivering excellence in customer service with digital enablement
Digitally enabled customer offerings
Digital & analytics driven business improvement
Tech & data enabled capability buidling
80.Hassle free branch experience Is action point of which EASE agenda? * 1/1
81.RBI has recently amended few of provisions in its master directions on *0/1
KYC- AML norms applicable to banks and financial institutions. Which of
the following is correct w.r.t the amendments (select all that are
applicable)
Principal oqcer should be an oqcial from ‘Management Level’ of the Regulated

Entity (RE).
The RE shall consider iling an Suspicious Transaction Report (STR), if necessary,

when it is unable to comply with the relevant CDD measures in relation to the
customer
Asset Reconstruction Companies (ARCs) have been added to the list of Regulated
entities (REs) as per the provisions of KYC AML guidelines issued under PMLA.
REs shall preserve the documents of the transactions undertaken by the walk in
customers also for a period of 5 years from the date of transactions
Correct answer
Principal oqcer should be an oqcial from ‘Management Level’ of the Regulated

Entity (RE).
The RE shall consider iling an Suspicious Transaction Report (STR), if necessary,

when it is unable to comply with the relevant CDD measures in relation to the
customer
Asset Reconstruction Companies (ARCs) have been added to the list of Regulated
entities (REs) as per the provisions of KYC AML guidelines issued under PMLA.
REs shall preserve the documents of the transactions undertaken by the walk in
customers also for a period of 5 years from the date of transactions
82.Under RBI direct scheme individual investors can open ___ accounts *1/1
with RBI
Retail direct account
Retail Gilt account
Retail direct Gilt account
83.Which of the retail investors can open account under RBI direct *0/1
scheme? (select all that apply)
Rupee saving account holder in India
Non resident Indian
Joint account holder
OCI card holder
Correct answer
Rupee saving account holder in India
Non resident Indian
OCI card holder
84.Retail investors in RBI direct scheme can do which of the following *0/1
(select all that apply)
Place non competitve bids in primary markets
Can acess Secondary market through lateral purchases
Access secondary market through NDS-OM
Can place competitive bids on Government securities
Correct answer
Place non competitve bids in primary markets
Access secondary market through NDS-OM
85.What is TREP full form with respect to money market ? * 0/1
Treasury bills purchase
Treasury bills repurchase
Transfer ESOPs purchases
Transfer bills purchase
Correct answer
Treasury bills repurchase
86.What is the tenor of Notice money market? * 1/1
One working day
2 days to 14 days
15 days to one year
one year & beyond
87.What is the minimum denomination of commercial paper? * 0/1
1 lac
2lacs
5 lacs
10 lacs
Correct answer
5 lacs
88.Whichof the following are the members of FIMMDA? (Select all that *1/1
apply)
Citi bank
ICIC prudential life insurance company
Birla sun life insurance company
IDFC
89.What is the maturity period of cash management bills? * 0/1
91 days
less than 91 days
180 days
less than 180 days
Correct answer
less than 91 days
Under the Digital Communication Framework, the CEIB will send digital *0/1
reports to public sector banks within ____ days of a loan request at the
pre-approval stage.
15
20
25
30
Correct answer
15
91.An Inter-Departmental Group (IDG) of the RBI was formed under the *1/1
chairmanship of Sh.__________, it’s Executive Director to examine the
internationalisation of INR in December 2021
M.D. Patra
Radha Shyam Ratho
Shri M. Rajeshwar Rao
Shri T. Rabi Sankar
92.With the objective of the development of the corporate bond market *1/1
from the perspective of mutual funds, SEBI has allowed asset
management companies to participate in _____ on Commercial Papers
(CPs) and Certificate of Deposits (CDs)
Reverse Repo
Term Money
Repos
Call Money
93.In order to avoid delays in the issuance of refunds, an income tax *1/1
assessee will get _____ days to respond to notices issued by the Central
Processing Centre (CPC) regarding set-off and withholding of refund
20
21
25
30
94.The NSE IFSC-SGX Connect, unveiled the new identity of ________, *1/1
which has replaced the existing SGX Nifty Futures & Options contracts
from July 3, 2023 after a switch from Singapore Exchange (SGX) to
Gujarat International Finance Tec-City - GIFT IFSC in GIFT City,
Gandhinagar.
GIFT Live Nifty
GIFT Nifty 50
GIFT Nifty
GIFT NSE Nifty
95.An IDF-NBFC means a non-deposit taking NBFC which is permitted to *1/1

(i) refinance post commencement operations date (COD) infrastructure
projects that have completed at least _____ of satisfactory commercial
operations; and (ii) finance toll operate transfer (TOT) projects as the
direct lender
one year
two years
three years
four years
96.With a view to facilitate better asset-liability management (ALM), IDF- *0/1

NBFCs can raise funds through shorter tenor bonds and commercial
papers (CPs) from the domestic market to the extent of up to ____ per
cent of their total outstanding borrowings
10
15
20
25
Correct answer
10
97.RBI platform which will focus on public tech will start with KCC loans *1/1
upto Rs. Lacs per borrower
1.5
1.6
3.5
98.PM Vishwakarma will be implemented as a Central Sector Scheme, *1/1

fully funded by the Government, with an initial outlay of Rs. _________
crore
13000
14000
15000
20000
99.As per PM Vishwakarma scheme, the beneficiaries will be provided *1/1

with 40 hours basic training of 5-7 days and advanced training of 15 days
or more, with a stipend of:
200 per day
300 per day.
500 per day
600 per day
100.As per PM Vishwakarma scheme, collateral free Enterprise *1/1

Development Loans of upto ______will be provided by Banks. (select all
that apply)
1 lac in irst tranche
2 lacs in 2nd tranche
3 lacs in two tranches
5 lacs in three tranches
101.The Finance Ministry has notified changes in the Prevention of *1/1

Money Laundering (Maintenance of Records) Rules, 2005. Accordingly, a
person having ownership of more than ____% of the capital or profits of a
partnership will be brought within the ambit of the sub-rule 3 as a
„beneficial owner‟. Similarly, a person, who does not have any ownership
or entitlement to more than ____% of capital or profits of the partnership
but exercises control over the partnership through other means, will be
treated as a beneficial owner.
10;10
15;15
20;20
25;25
102.Under PM Vishwakarma scheme, loan will be extended at a *1/1

concessional rate of interest fixed at ___%, with Government of India
subvention to the extent of ___%
3;6
5;8
7;10
None
103.Under PM Vishwakarma scheme, incentive of Rs. _____ per digital *1/1

transaction, upto maximum _____transactions monthly will be credited to
the beneficiary„s account for each digital pay-out or receipt
3;100
2;100
1;100
none
104.In the Statement on Developmental and Regulatory Policies dated *···/1

April 06, 2023, RBI had proposed expanding the scope of UPI by enabling
transfer to / from pre-sanctioned credit lines at banks. Which of the
statement is correct (select all that apply)
Currently, savings account, overdraft account, prepaid wallets and credit cards can
be linked to UPI
The scope of UPI is being expanded by inclusion of credit lines as a funding

account.
Payments through a pre-sanctioned credit line issued by a banks to individuals,

with prior consent of the individual customer, are enabled for transactions using the
UPI System
Banks may, as per their Board approved policy, stipulate terms & conditions
such as, credit limit, period of credit, rate of interest, etc. of use of such credit
lines.
No correct answers
105.______ is a facility that allows different arms of the government and *1/1
centres to borrow from the RBI.
Ways and Means Advances (WMAs)
Market Stabilization Scheme
Open Market Operation
106.UDGAM portal covers around ___of unclaimed deposits (in value) in *1/1
DEAF fund
90%
85%
80%
75%
107.Which of the following is INCORRECT regarding Baroda Premium *1/1

LAP scheme for MSME?
For loans upto Rs. 2 Crores, minimum permissible DSCR under the scheme is 0.80
and for loans more than Rs. 2 Crores, same is 1.
Maximum acceptable Debt Equity Ratio under the scheme is 4:1
No foreclosure charges after 5 years from the date of 1st disbursement
Valuation of the properties mortgaged are to be done once in 3 years
108.Who amongst the following is eligible for PM Viswakarma scheme *1/1

loans?
One who has already availed loan under PMEGP
One who has already availed loan under MUDRA but not yet repaid fully
One who has already availed loan under PM Svanidhi but repaid fully
A person in government service and their family members
109.In Commercial Vehicle Finance scheme, for FTB segment, what is the *1/1
maximum loan tenure allowed?
48 months including moratorium
48 months excluding moratorium
60 months including moratorium
60 months excluding moratorium
110.In Commercial Vehicle Finance segment for FTB and SRTO *0/1
customers, which of the following type of funding is not allowed?
New fully built vehicle
Funding on body
New chassis version vehicles
none of the above
Correct answer
Funding on body
111.Who amongst the following are eligible borrowers under Baroda *1/1
Property Pride Scheme?
Dealers in Silver/ Gold Jewellery dealing in bullion / raw gold
business units making cash proit for last 2 years
Real Estate projects and educational institutions
HUF as a proprietor / partner I LLP & Public Limited Companies
112.What is the maximum loan limit allowed under Baroda Property Pride *0/1
scheme in metro area?
15 Crores
10 Crores
20 Crores
25 Crores
Correct answer
25 Crores
113.Which of the following accounts are NOT eligible for credit audit? * 0/1
Accounts reviewed without enhancement with exposure from Rs. 1 Crores to Rs. 10
Crores
All fresh accounts including retail and restructured accounts with exposure of Rs.
10 Crore and above (FB + NFB)
All existing accounts including retail and restructured accounts with exposure
of Rs. 10 Crore and above (FB + NFB)
All of the above are ineligible
Correct answer
Accounts reviewed without enhancement with exposure from Rs. 1 Crores to Rs. 10
Crores
114.As per GCEMP 2024, acceptable Interest Coverage Ratio for MSMEs *0/1
are -
1.5
2.25
2.5
Correct answer
1.5
115.As per GCEMP 2024, acceptable level for Total Debt / EBITDA Ratio *1/1
is -
5.5
6.5
116.For a Corporate, ATNW is 50 Lakhs and other liabilities are 120 Lakhs *0/1
in total (including loan from directors amounting to 20 Lakhs). Then what
will be it's debt-equity ratio?
3.2
1.43
Correct answer
1.43
117.If scale of finance for any crop is Rs. 150000/- per hectare and a *0/1
small farmer is having 2 hecatre of land, then BKCC limit in the instant
case for that particular year will be -
300000/-
375000/-
420000/-
345000/-
Correct answer
420000/-
118.If scale of finance for any crop is Rs. 200000/- per hectare and a *0/1
marginal farmer is having 1 hecatre of land, then , considering 10%
increase for cost escalation per year during subsequent years, BKCC limit
in the instant case for the 3rd consecutive year will be -
242000/-
338800/-
302500/-
278300/-
Correct answer
338800/-
119.What is minimum margin required for availing loan under Tractor *1/1
Loan-Agricultural end use and Agri Hiring scheme?
20%
15%
30%
25%
120.Which Credit Information Report (CIR) needs to be generated for *1/1

Opening Current Accounts?
CRIF Individual Credit Information Report
Infomerics Commercial Light-Report
CRIF Commercial Light Report
Informerics Individual Credit Information Report
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Mock test day 7 Pre-promotion training officer 23-24, Baroda Academy, Ahmedabad 16/01/24, 12:00 AM

Mock test day 7 Pre-promotion training

3.Which is Single window for resolution of complaints against RBI *1/1

reserve bank integrated ombudsman

5.Now enrolling for PMJJBY/PMSBY has to be done through...?A. PMY *1/1

all a,,b & c

M/s Blue dart express ltd

M/s DHL express (I) pvt ltd

M/s DTDS Courier services

Customr, Branch, Digital chennal & operations department

Branch, Region/Zone, Digital chennal & operations department

Branch, ECM,Digital chennal & operations department

Branch, Region/Zone, Digital chennal & operations department

8.new menu_________ introduced for collection of direct taxes * 1/1

9.Menu introduced for hassle-free closure of RLBO rejected non *1/1

11.Finacle menu for issuance/generation of notices to be sent to the *1/1

13.Menu for cancel/modify Pending AFI entry * 0/1

14.Applications received from merchants with concessions for POS *1/1

Wealth Management Dept HO

Next higher authority

FIRST - MIDDLE - LAST

LAST - FIRST - MIDDLE

Any from (A) or (B)

19.NETC stands for * 1/1

National Electronic Transfer Collection

National Electronic Transfer Centre

National Electronic Toll Collection

National Electronic Toll Centre

20.whatsapp banking is available for * 1/1

To book a Forward Purchase Contract

To book a Forward Sale Contract

None of the above

Foreign Trade Policy

RBI’s Monetary Policy

Bank’s Lending Policy

Current Account Transactions

Capital Account Transactions

None of the above

24.In absence of a Forward Contract, Export Bill will be discounted by *1/1

Prevailing Bill Buying Rate

Prevailing TT Buying Rate

Prevailing CN Buying Rate

Prevailing TT selling Rate

Fixed Date Delivery if due date of payment is known.

Option period of Delivery if payment date is not known.

Both above options are available

Option period of Delivery if payment date is not unknown.

26.The scheme of payment of special medical aid to retired employeeon *1/1

Retired from Bank's service on superannuation

employee who have ben discharged /dismissed by the way of punishment

when regulation 20(3)(iii) of BOBOSR -1979 is invoked, the beinift will be

27.The scheme of payment of special medical aid to retired employeeon *0/1

Either (i) or (ii)

Both (i) and (ii)

29.Sweat Equity Shares can be issued to which of the following *1/1

A permanent employee of the company who is working in India.

A permanent employee of the company who is working outside India

A director of the company working in the subsidiary of the holding company

All of the above

31.Which of the following banks is called the negotiating bank? * 1/1

the bank that veriies the apparent authenticity of LC

32.Income Tax deductions on donations comes under section . of Income *0/1

nither in credit nor in debit