english testing for banks

MODELPAPER

Note:AnswersareinBoldENGLISH

Readthepassagebelowandanswertheques onsfromSr.No.1to2: Abraham Lincoln was born on February 12, 1809 in a small cabin in Kentucky. Acabin is a small house made of wood. When he was seven years old, his familymovedtoIndiana.In1830,thefamilymovedtoIllinois.Asaboy,AbrahamLincolnloved books. He always borrowed books from his neighbors. He read them for ashort meandthentookthembacktotheirowners.Hegrewverytall.Hewas64tall.Heweighed180pounds. Ques ons:1)WherewasLincolnborn?

a. Illinoisb. Indianac. Kentuckyd. Tennesseee. Huston

2)LincolnmovedtoIndianaatage.

a. 4b. 6c. 7d. 12e. 01

3) WhatisthePasttenseofforget

a. Forget

b. Forgets

c. Foregut

d. Forgo en

e. Forgot

4) Thepluralofpeopleis____

a. People

b. Peoples

c. Persons

d. Person

https://mail.bankofbaroda.co.in/owa/WebReadyViewBody.aspx?t=att&i...

1 of 25 07-Aug-14 9:27 PM

e. Noneoftheabove

5) TheSingularofkeysis

a. Key

b. Keys

c. Keis

d. Keyes

e. Kei

6) FullformofTDSis

a. TaxDeductedatSource

b. TaxDeduc onSystem

c. TaxdeliverySystem

d. TaxDemandatSource

e. TaxDemandSystem

7) Iden fytheclosestinmeaningtoEraser

a. Rubber

b. Sharpener

c. Cu er

d. Pencil

e. Stapler

8) Iden fythesynonymofgreet

a. Welcome

b. warm

c. great

d. good

e. grasp

9) Iden fythewordoppositeinmeaningtoBroad

a. Narrow


2 of 25 07-Aug-14 9:27 PM

ELEMENTARY BANKING

1. Account payee crossing is adirection of the drawer:

a) To collecting bankerb) To drawee bankerc) To payeed) To all endorseese) To any one of the above

2. The bank draft can be paid incash provided the amount of draftis less than Rs.________

a) Rs 20000/-b) Rs 30000/-c) Rs 50000/-d) Rs 75000/-e) Rs 100000/-

3. Rupay card was launched

by_____a) IDRBTb) RBIc) NPCI

1. ------ :1. 2. 3. 4. 5.

2. . -------------- 1. . 20000/-2. . 30000/-3. . 50000/-4. . 75000/-5. . 100000/-

3. ----------------

1. (IDRBT)2. (RBI)3. (NPCI)4. (IBA)5. (VISA)

b. Calm

c. Cold

d. Hot

e. dirty


3 of 25 07-Aug-14 9:27 PM

d) IBAe) VISA

4. The daily upper limit for

transactions per customer in MobileBanking is ____

a) Rs 25,000/-b) Rs 40,000/-c) Rs 50,000/-d) Rs 75,000/-e) Rs 100,000/-

5. Baroda cash management system

has ___fund management modulesa) 2b) 3c) 4d) 5e) 6

6. What is the minimum period thatcan be opted for investment in FDRthrough our Baroda Connect(Internet Banking) facility?

a) 7 daysb) 15 daysc) 46 daysd) 181 dayse) 12 months

7. Minimum amount that can beloaded in Baroda Gift cardis_______

a) Rs 1.00/-b) Rs 100.00/-c) Rs 500.00/-d) Rs 1000.00/-e) Rs 1500.00/-

8. In our Bank, maximum amount can

be remitted through NEFT is :a) Rs 1.00 cr

4. -

--------------- 1. . 25,000/-2. . 40,000/-3. . 50,000/-4. . 75,000/-5. . 100,000/-

5. -----

1. 22. 33. 44. 55. 6

6. ( ) ?1. 7 2. 15 3. 46 4. 181 5. 12

7. ------

1. . 1.00/-2. . 100.00/-3. . 500.00/-4. .1000.00/-5. . 1500.00/-

8. ,

----- :1. . 1.00 2. . 20.00 3. . 50.00 4. . 100.00 5. . 10.00

9. / ?


4 of 25 07-Aug-14 9:27 PM

b) Rs 20.00 crc) Rs 50.00 crd) Rs 100.00 cre) Rs 10.00 cr

9. How many characters are in IFSC

Code under RTGS/ NEFT?a) 11b) 12c) 10d) 09e) 13

10. Which of the following cannot be

considered as address proof underKYC guidelines?

a) Ration cardb) Voter I.Dc) Driving licensed) Passporte) PAN Card

11. Under Baroda Yatha shakti Jama

Yojana scheme, minimum amountcan be deposited is :

a) Rs 50.00b) Rs 100.00c) Rs 5.00d) Rs 10.00e) Rs 1000.00

12. Baroda Recurring Deposit

account can be opened formaximum period of

a) 12 monthsb) 36 monthsc) 60 monthsd) 120 monthse) 240 months

13. Under Baroda tax savings Term

1. 112. 123. 104. 095. 13

10.

?1. 2. 3. 4. 5.

11. , -------- 1. . 50.002. . 100.003. . 5.004. . 10.005. . 1000.00

12. ----

1. 12 2. 36 3. 60 4. 120 5. 240

13.

. ----------- 1. 90%2. 95%3. 100%4. 5. 85%

14.

?1. . 100


5 of 25 07-Aug-14 9:27 PM

Deposit scheme, Maximum LABODcan be sanctioned .

a) 90% of depositb) 95% of depositc) 100% of depositd) LABOD not allowede) 85% of deposit

14. What is the minimum deposit

amount that can be allowed inBaroda Double Dhamaka FixedDeposit?

a) Rs 100b) Rs 500c) Rs 1000d) Rs 5000e) Rs 10000

15. In Baroda Jeevan Suraksha

Saving Bank account scheme, whatis the Minimum age for obtaininglife Insurance cover?

a) 10 yearsb) 15 yearsc) 18 yearsd) 21 yearse) 25 years

16. The maximum period forrepayment of loan under BarodaHome Improvement Loan schemecan be allowed is:


17. Under Baroda Mortgage loan

scheme, Maximum moratoriumperiod can be allowed:

a) 06 monthsb) 12 months

2. . 5003. . 10004. . 50005. . 10000

15.

, ?1. 10 2. 15 3. 18 4. 21 5. 25

16. :1. 15 2. 20 3. 25 4. 30 5. 10

17. ,

:1. 06 2. 12 3. 03 4. 18 5. 24

18. /

, ----- 1. 03 2. 02 3. 05 4. 01 5. 06

19. . 15.00

, ( ) :


6 of 25 07-Aug-14 9:27 PM

c) 03 monthsd) 18 monthse) 24 months

18. For sanctioning loan/limit under

Baroda Traders loan, the borrowermust be doing trading business forminimum last ..


19. For sanctioning loan more than

Rs.15.00Lacs under Baroda AutoLoan scheme, Minimum margin (OnRoad price) is required:

a) 15%b) 20%c) 25%d) 10%e) 30%

20. Which types of branches are

authorized to sanction directagriculture loans?

a) Only Rural Branchesb) Only Semi urban Branchesc) Only Agri Thrust Branchesd) Rural & Semi urban Branchese) All type of branches

21. What is the applicable ROI for

payment of interest on creditbalance, if any in BKCC a/cs?

a) No interest on Credit Balanceb) @ Base ratec) @SB rated) Equal to interest rate chargedfor Debit Balancee) @ BPLR

1. 15%2. 20%3. 25%4. 10%5. 30%

20.

?1. 2. 3. 4. 5.

21. , ?1. 2. @ 3. @ 4. 5. @ (BPLR)

22.

1. 1 2. 3 3. 5 4. 7 5. 10

23.

--------- 1. . 2502. . 5003. . 10004. . 50005. . 10000

24. ,

--------- : 1. 102. 20


7 of 25 07-Aug-14 9:27 PM

22. The validity period of new BKCC

loan isa) 1 yearb) 3 yearsc) 5 yearsd) 7 yearse) 10 years

23. The initial inbuilt Overdraft of

Rs_____ is to be allowedimmediately after opening of SBaccount under Financial Inclusion.


24. In Baroda Basic SB Deposit

account, Maximum .. freecheque leaves allowed in a year.

a) 10b) 20c) 30d) 40e) 50

25. Baroda contact centres of our

Bank are located at____a) Delhi & Mumbaib) Mumbai & Barodac) Baroda & Lucknowd) Baroda & Delhie) Bangalore & Hyderabad

26. Banks Mediclaim Policy having

tie up with National Insurance Co.is known as

a) Baroda Health schemeb) Health star schemec) Baroda Jeevan scheme

3. 304. 405. 50

25. ------------

1. 2. 3. 4. 5.

26.

------- 1. 2. 3. 4. 5.

27.

?1. (LAODR)2. (LODLR) 3. (LAODL) 4. (LAODUL)5. (LAODRP)

28.

?1. (AMM Menu)2. (ACM Menu)3. (AMU Menu)4. (AAA Menu)5. (AUM Menu)

29. ?

1. 2. 3. 4. 5.


8 of 25 07-Aug-14 9:27 PM

d) Baroda Getwell schemee) Baroda Manaav scheme

27. What is the menu option for

generating loan Overdue Letter?a) LAODRb) LODLR c) LAODL d) LAODULe) LAODRP

28. What is the Menu option in

FINACLE for activation ofDormant account?

a) AMM Menub) ACM Menuc) AMU Menud) AAA Menue) AUM Menu

29. Banks Data centre is located at

which place?a) Hyderabadb) Bangalorec) Mumbaid) Delhie) Baroda

30. As per IRAC norms, an advance/

loan account is classified as NPA, ifthe interest and/or installment ofprincipal remain overdue for aperiod of more than ..

a) 180 daysb) 360 daysc) 90 daysd) 270 dayse) 300 days

31. Which of the following a/cs are

not classified as NPA?a) CC a/c

30. , /

, / -------- 1. 180 2. 360 3. 90 4. 270 5. 300

31.

1. 2. TL a/c3. 4. BP a/c5. BD a/c

32. ---------

, / 1. 6 2. 1 3. 2 4. 5 5. 10

33.

. -------------- , -/ 1. . 100002. .250003. . 500004. . 1000005. . 200000

34.

:1. 2.


9 of 25 07-Aug-14 9:27 PM

b) TL a/cc) LABOD a/cd) BP a/ce) BD a/c

32. The savings as well as current

account should be treated asinoperative /dormant, if there areno transactions in the account forminimum _______.

a) 6 monthsb) 1 yearc) 2 yeard) 5 yeare) 10 year

33. In case of high value Intersol

Transfer transactions, i.e. chequeof Rs.___________ and above,base branch should be contactedfor ascertaining genuineness byemail / fax.

a) Rs. 10000b) Rs.25000c) Rs. 50000d) Rs. 100000e) Rs. 200000

34. Which of the following is not a

negotiable instrument:a) Bill of Exchangeb) Promissory Notec) Fixed deposit receiptd) Chequee) Demand draft

35. Which of the debit card has

been recently withdrawn:a) Visa Electronb) Maestro Debit Cardc) MasterCard Goldd) Ru Pay Classic

3. 4. 5.

35.

:1. 2. 3. 4. 5.

36. ?

1. . 502. .1003. . 5004. . 10005. . 5000

37. / ------ :

1. . 25 2. . 50 3. .100 4. .300 5. . 500

38. ?

1. 2. 3. 4. 5.

39. :

1. . 5002. . 10003. . 5000


10 of 25 07-Aug-14 9:27 PM

e) Visa Platinum EMV Chip card36. What is the minimum amountfor which online Recurring Depositaccount through Baroda Connect canbe opened?a) Rs. 50b) Rs.100c) Rs. 500d) Rs. 1000e) Rs. 5000

37. Maximum loan under BarodaHome loan scheme can be sanctionedby Rural/Semi-urban branches is:a) Rs. 25 lacsb) Rs. 50 lacsc) Rs.100 lacsd) Rs. 300 lacse) Rs. 500 lacs

38. Which of the following is aretail lending product of our bank:a) Baroda Auto loanb) Baroda Kisan Credit cardc) Baroda Vidyasthali loand) Baroda Arogyadham loane) Baroda laghu udhyami credit

card

39. The quarterly average balancerequirement in Baroda advantage Savings Account in urban &metropolitan areas is :a) Rs. 500b) Rs. 1000c) Rs. 5000d) Rs. 10000e) Rs. 20000

40. Which of the following retailloan is given for business activitiesonly:

4. . 100005. . 20000

40. :

1. 2. 3. 4. 5.

41. :

1. 2. 3. 4. 5.

42.

:1. 3 2. 5 3. 9 4. 12 5. 15

43. , :

1. 15%2. 25%3. 40%4. 50%5. 100%

44. ----- :

1. . 1002. . 1013. .5004. . 5015. .1001

45. ------


11 of 25 07-Aug-14 9:27 PM

a) Baroda traders loanb) Baroda loan against securitiesc) Baroda home loand) Baroda Ashraye) Baroda personal loan 41. Finance under following productcomes under priority sector:a) Baroda Kisan Credit cardb) Baroda auto loanc) Baroda Personal loand) Baroda Ashraye) Baroda Loan against future

rent receivables

42. Maximum repayment period canbe allowed in an advance forpurchase of a new tractor is:

a) 3 yearsb) 5 yearsc) 9 yearsd) 12 yearse) 15 years 43. Under IRAC norms, provisionrequirement on loss assets is:a) 15%b) 25%c) 40%d) 50%e) 100%

44. Baroda gift card can be issuedfor a minimum amount of :a) Rs. 100b) Rs. 101c) Rs.500d) Rs. 501e) Rs. 1001

45. Our contact centres arelocated at:

1. 2. 3. 4. 5.

46. ------- :

1. . 10000 2. . 25000 3. .50000 4. .100000 5. . 200000

47. -

:

1. .100002. . 250003. .750004. .1000005. . 250000

48.

:1. (IMPS)2. (NEFT)3. 4. (RTGS)5.

49.

, :1. 2. 3. 4. 5.

50.

:


12 of 25 07-Aug-14 9:27 PM

a) Baroda & Mumbaib) Ahmedabad & Delhic) Lucknow & Barodad) Lucknow & Hyderabade) Chandigarh & Chennai

46. Remittance of funds through RTGScan be done for minimum amountof:a) Rs. 10000 and aboveb) Rs. 25000 and abovec) Rs. 50000 and aboved) Rs. 100000 and abovee) Rs. 200000 and above

47. Minimum quarterly average balance

requirement in Baroda PremiumCurrent Account Privilege is:a) Rs. 10000b) Rs. 25000c) Rs. 75000d) Rs. 100000e) Rs. 250000

48. Which of the facility is not available

through Baroda M-Connecta) IMPSb) NEFTc) Funds transfer within the bankd) RTGSe) Balance enquiry

49. A customer desires to have insurance

policy with his savings account, which ofthe following product of our Bank will yourecommend:a) Baroda Jeevan Suraksha Savings

Bank Accountb) Baroda Centenary Savings accountc) Baroda Bachat Mitra

1. 2. 3. 4. 5.

51. :1. 2. 3. 4. 5.

52.

?1. (DCR)2. (HMBRR)3. (HDCR)4. (BENRATM)5. (REGPW)

53.

? 1. (HCUMM)2. (CUEM)3. (HACM)4. (HACMLA)5. (HLAGI)

54.

?1. (STRALERT)2. (CUSTKYC)3.

(MERGECUST)4. (FINCUST)5. (AMLALERT)

55.

?1. (HOAACSB)2. (HOAACTD)


13 of 25 07-Aug-14 9:27 PM

d) Baroda Basic Savings Bank Deposit Account

e) Baroda Salary advantage savingsaccount.

50. Which of the following is a FinancialInclusion product:a) Baroda Laghu Udhyami credit cardb) Baroda Basic Savings Bank deposit

Accountc) Baroda Traders gold cardd) Baroda Advantage savings Bank

Accounte) Baroda SME Gold card

51. Our Bank is having tie up

arrangement with followinginsurance company for sale of theirNon-life Insurance Products:

a) The New India AssuranceCompany Ltd

b) General Insurance corporationof India

c) National Insurance CompanyLimited

d) The Oriental Insurance CompanyLimited

e) National Insurance CompanyLimited

52. What is the MENU Option inFinacle for registration of BarodaConnect is:

a) DCRb) HMBRRc) HDCRd) BENRATMe) REGPW

53. The menu option in Finacle forcustomer master creation is:

a) HCUMMb) CUEMc) HACMd) HACMLAe) HLAGI

3. (HOAACCA)4. (HOAACOD)5. (HOAACCC)

56. ----- :1. 3 2. 5 3. 10 4. 15 5. 20

57. . 20

------ :1. 2. 5%3. 10%4. 20%5. 25%

58.

------ :1. . 1 2. . 2 3. . 5 4. ..10 5. .20

59.

------ :1. (RLF)2. (SMELF)3. (RBO)4. (CBO)5. (CSO)

60. 1818

---------- 1. 2. 3. 4.


14 of 25 07-Aug-14 9:27 PM

54. The menu option in finacle forreporting suspicious transaction is :

a) STRALERTb) CUSTKYCc) MERGECUSTd) FINCUSTe) AMLALERT

55. The menu option in FINACLE for

opening a current account is:a) HOAACSBb) HOAACTDc) HOAACCAd) HOAACODe) HOAACCC

56. FDR can be issued for amaximum period of :


57. The minimum margin

requirement for Baroda Home loanfor limit upto Rs. 20 lacs is:

a) No margin requiredb) 5%c) 10%d) 20%e) 25%

58. The maximum limit can be

sanctioned under Baroda PremiumPersonal loan is:

a) Rs. 1 lacsb) Rs. 2 lacsc) Rs. 5 lacsd) Rs.10 lacse) Rs. 20 lacs

5.

61. () ------ 1. 2. 3. ,

1860 4. 5.

62.

------- 1. 2. 3. 4. 5.

63. 1. 2. 3. 4. 5.

64. ?

1. 2. 3. 4. 5.

65.

1. 2. 3. 4.


15 of 25 07-Aug-14 9:27 PM

59. The specialized outfit of ourbank for processing of retail loansis known as:

a) RLFb) SMELFc) RBOd) CBOe) CSO

60. The first insurance company was

started in India in 1818 ata) Kolkata b) Chennai c) Mumbai d) New Delhi.e) Bangalore

61. The Banking Codes andStandards Board of India(BCSBI)was registered under:

a) RBI Actb) Banking Regulation Actc) The Societies Registration Act,

1860 d) Limited Liability Partnership Acte) None

62. Bank can create charge on LIC

policy as security by way of..

a) Lienb) Hypothecationc) Mortgaged) Pledgee) Assignment

63. CBS stands fora) Commercial Banking System

5.

66. 1. 2. 3. 4. 5.

67.

?1. 12. 23. 34. 45. 5

68. -------- 1. 3 2. 10 3. 8 4. 5 5. 1

69. ?1. .100000/-2. . 50000/-3. . 250000/-4. . 200000/-5. . 500000/-

70.

1. 062. 083. 094. 105. 04

71.


16 of 25 07-Aug-14 9:27 PM

b) Central Banking Systemc) Core banking Supervisiond) Core Banking Solutione) Credit Bureau System

64. Which of the following is a

Negotiable instrument?a) Fixed deposit receiptb) Currency notec) Chequed) Title deed of propertye) LIC policy

65. Name the new facility

introduced by Bank for BarodaConnect Customers.

a) Online RD a/c openingb) NEFTc) Third Party Transferd) Utility Bill Paymente) None of the above

66. MMID stands fora) Mobile Money Identifierb) More Money Identifierc) Mobile Indentityd) More Money Indentifier Datae) None

67. In how many Currencies, BarodaTravel Easy Card is available?.

a) 1b) 2c) 3d) 4e) 5

68. Non Personalized Debit Card is

valid fora) 3 years

?1. 22. 33. 14. 45.

72.

1. 2. 3. 4. 5.

73. ?1. 2. 3. 4. 5.

74.

?

1. 2. 3. 4. 5.

75.

:1. 2. 3. 4. 5.

76.


17 of 25 07-Aug-14 9:27 PM

b) 10 yearsc) 8 yearsd) 5 yearse) 1 year

69. Maximum amount for NEFT

through ATM isa) Rs100000/-b) Rs 50000/-c) Rs 250000/-d) Rs 200000/-e) Rs 500000/-

70. Maximum number of accounts

that can be linked to a single debitcard is ___

a) 06b) 08c) 09d) 10e) 04

71. How many Contact Centres hasbeen opened by our Bank?

a) 2b) 3c) 1d) 4e) None

72. IMPS stands fora) Immediate payment Servicesb) Inter bank Mobile PaymentSystemc) Indian Money Payment Systemd) Internet banking Money Payment

?1. 2. 3. 4. 5.

77. :

1. -

2.

3.

4.

5.

78.

1. 2. 3. 4. 5.

79. ----- :

1. ,2. 3. 4. 5. ,

80.

?1. 2. 3. 4. 5. /

81.


18 of 25 07-Aug-14 9:27 PM

Servicee) International Mobile PaymentService

73. Which of the following Act gives

legal recognition to a digitalsignature?

a) Negotiable Instruments Actb) Income Tax Actc) Indian Evidence Actd) Information Technology Acte) Banking Regulation Act

74. The frauds and other kind of

crimes that happen on the internetnetwork are called:

a) Internet fraudsb) Internet crimesc) Electronic fraudsd) Cyber crimese) Intranet frauds

75. The software that is used for a

centralized environment in bankingoperations is called:

a) Central branch solutionsb) Core banking solutionsc) Centralized banking solutionsd) Centralized business solutionse) Core Banking System

76. Which of the following kinds ofenvironment is provided through CBS?

a) anytime bankingb) anywhere bankingc) customer of bank instead of branchd) all the abovee) None of the above

77. The term SWIFT stands for:

a) Society for world-over internationalfinancial transfersb) Society for world-wide inter bank

----- ;1. . 50002. . 100003. . 250004. . 20005. . 20000

82. :1. . 1.50 2. . 1.00 3. . 5.00 4. . 2.00 5. . 0.50

83. , ---------- 1. 032. 123. 064. 245. 18

84. ?1. 03 2. 12 3. 06 4. 02 5. 18

85. ----------- . 5.00 1. 6 2. 12 3. 3 4. 9 5.

86. :1.

2. 3.


19 of 25 07-Aug-14 9:27 PM

financial transfersc) Society for world-wide inter bankfinancial telecommunicationd) Society for worldwide interest-earning financial transactione) Society for world inter financialtransactions

78. KYC stands for

a) Know Your Chequeb) Know Your Characterc) Know Your Creditd) Know Your Customere) Know Your Currency

79. KYC norms are for

a) Identification of the customer,b) Proper introduction of thecustomer andc) Monitoring of large valuetransactionsd) a & c abovee) a , b & c above

80. Which of the following documents

can be accepted as identity proofas per the KYC Guidelines?

a) Telephone Billb) Voters identity cardc) Electricity Billd) Bank account statement withaddresse) Income Tax / Wealth TaxAssessment order with address

81. The minimum salary for applyingBaroda Salary advantage loanshould be;


4. 5.

87.

-------- :1. 552. 653. 604. 705. 60

88. ?1. 5%2. 10%3. 18%4. 13.5%5. 4.5%

89. , ?1. . 250002. ..500003. . 750004. . 1.0 5. .2.0

90. -----

1. 2. 3. 4 10

4. 5.

91. ----- 1. ,

2.

3. ,


20 of 25 07-Aug-14 9:27 PM

82. Maximum amount of loan whichcan be given under the scheme ofBaroda Salary advantage

a) Rs 1.50lacsb) Rs 1.00lacsc) Rs 5.00lacsd) Rs 2.00lacse) Rs 0.50lac

83. For availing facility of BarodaSalary advantage scheme, theborrower should maintainsatisfactory salary account at leastsince _______months

a) 03b) 12c) 06d) 24e) 18

84. Minimum length of servicerequired for a person availingfacility under Baroda salaryAdvantage scheme is:

a) 03yearsb) 12 monthsc) 06 monthsd) 02 yearse) 18 months

85. Penalty is waived on prematurepayment of Term Deposits up toRs.5.00lacs if deposit is maintainedfor a minimum period of _______months

a) 6 monthsb) 12 monthsc) 3 monthsd) 9 monthse) Penalty on premature paymentcannot be waived.

86. One of our U.S.Ps in case ofhousing loan is:

a) Free personal accident& housebuilding insurance

4. 5.

92. ------- 1. 2. 3. 4. 5.

93. / ----- 1. 75%2. 95%3. 80%4. 90%5. 70%

94. ?1. 2. 11.00 % 3. 10.00 % 4. 12.00 % 5. 13.00 %

95. ( ) ------- :1. .2. .3. .4. 5.

96. , --------- 1. 2. 3. 4. 5.

97. , ----- :1.


21 of 25 07-Aug-14 9:27 PM

b) Free personal accidentinsurancec) Free life insuranced) Free life & building insurancee) Free house building insurance

87. The minimum age of borrower

for availing Baroda Ashray is to be------years

a) 55b) 65c) 60d) 70e) Above 60

88. What is the mandatory subtarget for Direct Agricultureadvances?

a) 5% of ANBCb) 10% of ANBCc) 18% of ANBCd) 13.5% of ANBCe) 4.5% of ANBC

89. Up to what limit, penal interestis not applicable in Agricultureadvance Accounts?

a) Rs. 25000b) Rs.50000c) Rs. 75000d) Rs. 1.0 lacse) Rs.2.0 lacs

90. Joint Liability Group is relatedto

a) Top corporate customersb) High worth Individualsc) A group of 4 to 10 farmerswith very small meansd) SHGe) All of the above

91. Agri-business centers areenvisaged to provide

2.

3. -

4. 5

5. 10

98. ?1. (CUMM)2. (OAAC)3. (HOAACSB)4. (HOAACCA)5. (HOAACTD)

99. ------- :1. 2. 3. 4. 5. ,

100. ,

------ 1. 2 2. 3 3. 6 4. 9 5. 12


22 of 25 07-Aug-14 9:27 PM

a) Input Supply, Farm equipmentson hire & other services

b) Advice on market trends &prices of various commodities

c) Advice on Cropping Practices &Patterns, Technology etc.& clinicalservices for animal health

d) b & ce) All of the above

92. A farmer has taken loan for

purchasing a cow. As per Prioritysector classification the loan willbe classified as

a) Indirect Agricultureb) Direct Agriculturec) Non priority sectord) Other priority sectore) Micro and Small Enterprises

93. Maximum . Percent of theFDR amount can be sanctioned as aLABOD/ODBOD to a customer.

a) 75%b) 95%c) 80%d) 90%e) 70%94. What is rate of interest on our

Home Loan Product?a) At base rate.b) At 11.00 %c) At 10.00 %d) At 12.00 %e) At 13.00 %95. For Baroda Health" (Mediclaim

insurance policy), Our Bank ishaving tie-up with:

a) India First Life Insurance Cob) Birla Sun Life Insurance Coc) National Insurance Cod) Kotak Mahindra Insurancee) Reliance Life Insurance


23 of 25 07-Aug-14 9:27 PM

96. For the business of mutual fund,we do not have tie up with

a) UTI mutual fundb) ICICI mutual fundc) Birla Sun life mutual fundd) Reliance Mutual funde) Kotak Mahindra mutual fund

97. In CBS, customer should have:a) Only one customer ID acrossthe bankb) One customer id each for everyaccount he opens in a branchc) One customer id each for everyaccount he opens in differentbranchesd) Maximum 5 customer ids acrossall branchese) Maximum 10 customer ids acrossall branches

98. Menu Option in FINACLE forcreation of a customer ID is:

a) CUMMb) OAACc) HOAACSBd) HOAACCAe) HOAACTD99. Nonperforming assets are

classified as:a) Standard accounts onlyb) Substandard accounts onlyc) Doubtful & loss accounts onlyd) Substandard & doubtfulaccounts onlye) Substandard, doubtful and lossaccounts only

100. As per IRAC norms "longduration" crops would be cropswith crop season longer than:

a) 2 monthsb) 3 monthsc) 6 months


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d) 9 monthse) 12 months

6.


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