Imp Points - Exam 11 Jan 2024 - All the Best PDF

Agniveer Debit Card (Issuance Fee – Nil)  Cash withdrawal limit of ₹ 50,000/- per day.  per day limit at POS/Ecom is ₹1,00,000/-  Contactless transactions up to ₹ 5,000 can be done without PIN at POS.  Personal accident and total disability cover of ₹ 10 Lacs. Opulen...

Agniveer Debit Card (Issuance Fee – Nil)  Cash withdrawal limit of ₹ 50,000/- per day.  per day limit at POS/Ecom is ₹1,00,000/-  Contactless transactions up to ₹ 5,000 can be done without PIN at POS.  Personal accident and total disability cover of ₹ 10 Lacs. Opulence Card – Max No of Transaction per day – 50 Fee ₹9500/ Year Limit – ₹ 5 lakhs WD (from ATM) & POS / E-Com - ₹10 Lakhs. Contact less ₹ 5000 & 10 Txn. Bob World Sapphire Fee ₹750/year Limit - ₹3 Lakhs POS/e-com - ₹5 lakhs No of Transaction – 30. MasterCard Classic DI Debit Card: Features  Withdrawal at ATMs is ₹. 25,000 per day.  Purchase up to ₹. 50,000 per day at POS/E-commerce merchants, wherever Master Cards are accepted in India  Secured with PIN and CVV2 for online transactions.  Contactless transactions up to ₹. 5,000 can be done without PIN at POS. EaseMyTrip Debit Card.  Cash withdrawal limit of ₹ 50,000/- per day. (Issuance Fee ₹599+taxes)  per day limit at POS/Ecom is ₹ 1,00,000/-  Contactless transactions up to ₹ 5,000 can be done without PIN at POS.  Personal accident and total disability cover of ₹ 10 Lacs.  Air Accident Insurance ₹ 50 Lakhs  Domestic Flight Bookings: 10% instant discount maximum upto ₹. 1,000/- with no Minimum Order Value.  International Flight Bookings: 10% instant discount maximum upto ₹. 5,000/- with no Minimum Order Value  Domestic Hotel Bookings: 15% instant discount maximum upto ₹. 5,000/- with no Minimum Order Value.   International Hotel Bookings: 15% instant discount maximum upto ₹. 10,000/- with no Minimum Order Value.  Domestic Airport Lounge Access: Complimentary domestic airport lounge access (2 per quarter)  International Airport Lounge Access: Complimentary international airport lounge access (2 per annum)  OTT benefits: Amazon Prime or Zee5 or SonyLiv annual membership anyone per annum  Shopping: Big Basket or Blinkit, and Flipkart voucher worth ₹ 250 Once per quarter  Bookmyshow : Flat ₹ 250 off on purchase of 2 movie/non-movie tickets Once per quarter  Gaana+: Gaana Plus Pack - 12 Month complimentary subscription (per annum)  Amazon: 20% instant discount upto ₹ 100/- per card per month on recharge/bill payment on a Minimum Order Value of ₹129 only on Fridays  Zomato: 20% instant discount upto ₹ 100/- per user per month on a Minimum Order Value of ₹ 129 only on Fridays  Bus Bookings: 10% instant discount maximum upto ₹. 250/- with no Minimum Order Value  Spree Hotels: 25% instant discount maximum upto ₹5000/-  Yolo Bus Booking : 15% instant discount maximum upto ₹300/-  Airport Transfer/Outstation Cab : 10% instant discount maximum upto ₹1000/-  Activity booking : 10% instant discount maximum upto ₹1000/-  Concierge Services: 24x7 concierge services to manage flight bookings, table reservations, gift deliveries and more.  Each cardholder is eligible for up to 2 transactions per quarter, per card, within the Travel segment (i.e., Flight, Hotel, and Bus). RuPay Qsparc NCMC Debit Card Bank’s One Nation One Card. Baroda BPCL Debit Card 10 Petromiles / ₹100 Spent – Redemption Value – 1.5 paisa /PM VISA Vyapaar DI Debit Card  Cash withdrawal ₹ 2Lakhs per day from ATM.   Purchase limit of ₹ ₹5Lakhs per day (POS/E-Com).  Cash Deposit limit of ₹ 3Lakhs per day.  Withdrawal Frequency: 20 RuPay Select DI Debit Cards  Contactless transactions up to ₹ 5,000 can be done without PIN at POS.  RuPay Select Debit card comes with higher limits at ATM cash withdrawal and POS/E-com transactions.  Daily cash withdrawal ₹ 1.50 Lakhs from ATM.  Daily POS/E-commerce transactions Up to ₹ 5Lakhs.  Personal accident and total disability cover of ₹ 10 lakhs. BOB Card against FD – BOB Prime Card BOB Card for Instant Credit – BOB Empower & BOB Corporate BOB Credit Card with ₹ 1 Joining Fee – BOB CMA Card (Insurance Coverage upto ₹ 5 lakhs Air Accident ₹15 lakhs & Non Air Accident ₹ 5 Lakhs.) BOB Card with Zero Joining Fee – BOB ICSI Card Personal accident and total disability cover of Rs. 10 lakhs. BOB Financing Solar Projects (for upto CMR 5 & Unrated) Min - ₹ 10 Lakhs Max - ₹ 30 Crores Repayment Period – 120 months (including 18 months moratorium from the first date of disbursement or 6 months from DCCO whichever is earlier. Digital MSME Loan – Max ₹ 5 Crore & Min ₹ 10 Lakhs. Baroda Energy Efficiency Project (BEEP) Finance. Min - ₹ 10 Lakhs & Max ₹15 Crores. Maximum loan tenor shall be 5 years including moratorium period. SIDBI guarantee upto 75% of the loan amount. Scheme for Financing Textile Units. Min - ₹25 lakhs & Max ₹ 50 Crores. Repayment Period Term Loan – 09 Years Baroda Arogyadham Scheme Min - ₹5 Lakhs Max - ₹ 30 Crores (Ratio DE – 3:1, TOL/TTN – 4.5:1 & DSCR Avg 1.75:1) MSME Collateral Loan upto ₹ 2 Crores eligible for guarantee coverage under CGTMSE. Baroda Artisans Credit Card The maximum limit to be sanctioned under the scheme would be Rs. 2 lakhs for maximum 3 years period. Baroda Contractor Scheme Min - ₹10 Lakhs Max - ₹ 30 Crores. Margin OD – 25 % Margin BG / LC – 20 % Baroda Laghu Udyami Credit Card The maximum limit to be sanctioned under the scheme would be ₹ 10 lakhs for maximum 3 years period. Baroda Vidyasthali Loan for Educational Institutions For Term Loan: Minimum - Rs. 25 lakhs, Maximum - Rs. 15 crores. (Rs. 25 crores for Mumbai/greater Mumbai, Delhi-NCR, Bangalore, Hyderabad). For vehicle funding limit, as per CV guidelines (bus funding limit-max Rs. 2 crores). For Overdraft: Maximum – Rs. 3 crores (Rs. 5 crores for Mumbai/greater Mumbai and Delhi-NCR) or 60% of expected total fees collection, whichever is less. *Finance for the purchase of land alone is not permissible. However, if the land cost is included in the total cost of the project, the same can be financed. However, land cost should not be more than 20% of the total project cost and an undertaking to be obtained that building construction will be completed within a period of 2 years. Business Loans to Correspondent – Rural - ₹1.5 Lakhs, Urban - ₹ 2.0 Lakhs & Metro ₹ 2.50 Lakhs. Baroda MSE General Credit Card – Min ₹ 0.25 Lakhs & Max ₹ 10 Lakhs. Baroda SME Gold Card – 10 % MPBF. Baroda SME Loan Pack - The composite limit is 4.5 times of borrower’s tangible net worth as per last audited balance sheet, or, Rs. 10 crores, whichever is lower. Collateral Free CGTMSE Loan The eligible loan limit under the Scheme is up to Rs. 500 lakhs. A borrower, who has availed certain credit facilities secured by collaterals and/or third party guarantees and is sanctioned distinct/separate credit facility with/without collateral security/third party guarantee, can be covered under CGTMSE scheme. SME Medium Term Loan – Min ₹ 25 Lakhs & Max ₹ 500 Lakhs SME Short Term Loan – Min ₹ 10 Lakhs & Max ₹ 250 Lakhs (Adhoc facility and short term loan cannot be concurrent). Stand-up India Scheme (SUI) – Min ₹ 10 Lakhs & Max ₹ 1 Cores. EASE 7.0 – Economic Development, Customer Delight & Resilient Banking. (Banking towards Viksit Bharat) EASE – 6.0 – Customer Friendly banking by enabled modern capabilities. EASE 5.0 – Bank’s position – 3rd (Digital Banking & Inclusive Banking) EASE 4.0 – Bank’s Position –1st. (Technology enabled & collaborative banking) PSB Reforms – Public Sector Banks & Gyan Sangam – 2015 EASE – Enhanced Access & Service Excellence. New Tax Regime Standard Deduction - ₹75000 & Standard Family Pension deduction - ₹25000/- Dispute resolution – Income Tax by FM – Vivad Se Vishwas Capital Gain exemption Limit increased to ₹1.25 Lakhs Corporate Tax for Foreign Companies -35 % (to attract foreign capital). Total Receipt as per Budget - ₹32.07Lakhs Crores & Total payments - ₹ 48.21 Lakhs Crores & Net Tax receipt ₹25.83 Lakhs crores. Mudra Loans – increase limit from 10 Lakhs to 20 lakhs for those who availed loan under Tarun Category previously. Model Loan Scheme - ₹ 7.5 Lakhs with Govt. guarantee. Total Domestic Branches – 8343 & Overseas – 84 (including offices) Across 17 Countries PCAF – Partnership for Carbon Accounting Financials – UBI First bank. Pehchaan Kaun 3.0 – 24.04.2024 featuring Kunaal Roy kapur. Generative AI Hackathon – 10.06.2024 – Microsoft. Salute her Shakti Contest – 13.06.24 Adopting Generative AI – 16.09.2024 –Aditi (RM- Virtual) & GyanSahay.AI – Knowledge Management Platform National Sports Day Campaign – Sab Main Hain khiladi 29.08.2024 First Qtr. Profit – 4458 2nd Qtr. – 5238 Total HY 9696. Bulk Deposit – SCBS - ₹3crores & above. RRB - ₹2crores & above LAB - ₹1 crores & above. Tax payments through UPI - ₹5 Lakhs. UPI – UPI123pay – 12 Languages – per TXn limit - ₹10000 (New Changes) UPI Lite Wallet – Limit - ₹5000 per Txn Limit - ₹1000 (New Changes) D-SII (Domestically Systematically Important Insurers) – LIC, GIC & New India Assurance Co Ltd. Renewable Energy targets – 450 GW by 2030 (incl. 280 GW SP & 140 GW – Wind Power) SEBI mandated 1000 listed companies to file – BRSR – Business Responsibility & Sustainability Report. Farm Credit to agricultural activities, individual housing loans and Small and Micro Enterprises (SMEs) sectors at 0.25 per cent; b) Advances to Commercial Real Estate (CRE)2 Sector at 1.00 per cent; c) Advances to Commercial Real Estate – Residential Housing Sector (CRE - RH) 3 at 0.75 per cent d) Housing loans extended at teaser rates as indicated in Paragraphs 5.9.9; e) Restructured advances – as stipulated in the prudential norms for restructuring of advances. f) Advances restructured and classified as standard in terms of the Master Direction – Reserve Bank of India (Relief Measures by Banks in Areas affected by Natural. f) All other loans other than a to e = 0.40 % Ethics Function in BOB – by Dr. Mukund Rajan (Chairman Apex Level Ethics Committee). Our Code of Ethics (05) – We Barodians, Customers, Ext Stakeholders, Business & Communities. Non-Monetary Rewards & Recognition – BRITE Timelines under Baroda Samadhan – RO – 4 Wdays ZO & Central – 5 Wdays Leadership Training Programme – We Lead SPEED – Scheme for Professional Enhancement & Employee Development – 48 Courses IIBF & 87 Core Banking Digital Solution courses. POSH – Regulation 24(A) – Bank of Baroda Officers Regulation Act 1976. 1. 3 Months – Complaint to be filed before IC (internal Committee) 2. Women – to respondent (notice from IC within 07 days). 3. Respondent – within 10 days reply to IC from the date of receipt of Notice. 4. Special Leave to Women – 03 months 5. Inquiry Completed – 90 days. 6. Finding report to all through IC within 10 days of the completion of the inquiry. 7. Implementation of the recommendation – within 60 days. 8. Appeal by respondent – within 90 days from the date of recommendation. Whistle Blower Policy Ownership rests with CGM (HR) approved by ACB Policy valid upto 31 Dec 2026. DA shall ensure the resolution of the complaint within 90 days. Online Doctors Consultation – Qikwell Technologies India Pvt LTD (Practo). Gift Acceptance Limit – Relative - ₹ 500 Friends - ₹ 250 & Other than Relatives & Friends - ₹ 75. If the series of acceptance exceeds ₹500 in 12 months then you have to report to concerned authority. Domestic Customers Calling from Abroad - +91 79-6629 6009 Personal banking Toll Free Numbers – 1800 5700 / 1800 5000  (Missed Call Service Numbers) - Balance inquiry – 84680 01111 Mini Statement – 84680 01122 & CKYC ID – 77990 22129 GIFT City – Gujarat International Finance Tec City – controlled by IFSCA International Finance Service Centres (IFSC) RTI Act came into force on 12 Oct 2005. RTI Fee - ₹ 10 & RTI reply within 30 days. Penalty - ₹ 250/day with a maximum of ₹25000/-. COPRA 1986 ACT District Forum upto 20 lakhs, State forum More than 20 lakhs upto 1 crores & national forum more than 1 crores. Bank’s New Charges – ATM withdrawal - ₹ 10 + GST (Financial) & ₹ 5 + GST (Non-Financial). Door Step Banking - ₹ 75 + GST Up to 50 withdrawals / Debit are permitted in a half year – after that 15 +GST (MU) & 12+GST (SU-R) All BSBD (136, 137,130,124,150) – after 4 withdrawals - ₹20+GST No charges if account closed within 14 days, otherwise MU 300+GST & SU-R 275 +GST if closed after 14 days but within one year from the date of first customer induced transaction. SMS Charges – 0.20 Paisa / SMS with a cap of ₹15 +GST per quarter in the SB Account. Decline of Debit Card Transaction due to insufficient funds - ₹20+ GST / Txn. Cash Handling Charges – 50+GST MU & 40+GST SU-R (exceeding 5 entries in a month) Cash Withdrawal Charges – 125+GST MU & 100+GST SU-R (exceeding 5 entries in a month) Baroda Police salary Accounts – Yet to be opened through Tab rest all salary accounts can be opened. CA schemes – 100 % waiver if txn by sound box minimum / month in case of POS min ₹2 lakhs / month. GCEMP Negative Outlook Sectors – Minimum External Rating – A for C & IC + Minimum BBB for Regulatory / Non Regulatory MSME. (Exposure above ₹ 50 Crores from banking system) Exemption below ₹50 Crores. RAROC – 15 % (Hurdle rate) TEV study (NO) – Up to ₹25 Crores.