Question for Bank of Baroda (Manager – Sales) 2026 - Quiz / Questions / MCQ

Objective Questions

Latest Bank of Baroda Manager Sales Exam Question (Objective Questions), MCQ in English

Subjects : Reasoning, Quantitative Aptitude, English, Retail Liabilities

Question Bank Bank of Baroda SO (Manager - Sales) Exam - English

Reasoning

Question 1Single Answer

How many such pairs of letters are there in the word ‘CLEANLINESS’ each of the which has as many letters between them in the word as they have in the English alphabet, in the same sequence?

A
Two
B
Three
C
Five
D
Four
E
None of these

Question 2Single Answer

Team A has scored more goals than Team B
Team C has scored fewer goals than Team B
Team A has scored fewer goals than Team C .
If the first two statements are true, the third statement is

A
True
B
False
C
Uncertain
D
None

Question 3Single Answer

If it is possible to make only one meaningful word with the second, the third, the sixth and the eight letters of the word FRAGMENT using each only once, which of the following will be the third letter of that word ? If no such word can be formed, give ‘X’ as the answer and if more than one such word can be formed, give ‘Y’ as the answer.

Question 4Single Answer

How many such letters are there in the word ORIENTAL each of which is as far away from the beginning of the word as when they are arranged alphabetically?

A
None
B
One
C
Two
D
Three
E
More than three

Question 5Single Answer

How many such pairs of letters in the word CREDIT each of which has as many letters between them in the word as in the English alphabet?

A
None
B
One
C
Two
D
Three
E
More than three

Question 6Single Answer

How many meaningful words can be made from the letters ‘LMEA’ using each letter only once in each word?

A
None
B
One
C
Two
D
Three
E
More than three

Question 7Single Answer

If it is possible to make only one meaningful word with the first, the second, the seventh and the eighth letters of the word TEMPORAL, which of the following will be the first letter of that word? If more than one such word can be made, give ‘Y’ as the answer and if no such word can be made, give ‘X’ as the answer.

Question 8Single Answer

If the letters of the word HANDOVER are arranged alphabetically from left to right how many letters will remain at the same position?

A
None
B
One
C
Two
D
Three
E
More than three

Question 9Single Answer

How many such pairs of letters are there in the word EXCURSION, each of which has as many letters between them in the word as they have in the English alphabet?

A
None
B
One
C
Two
D
Three
E
More than three

Question 10Single Answer

If it is possible to make only one meaningful word with the first, the second, the third, the sixth and the eighth letters of the word DEVIATION first letter of that word is your answer? If more than one such word can be made formed your answer is ‘A’ and if no such word can be formed your answer is ‘B’.

Question 11Single Answer

If each alternate letter beginning with the first in the word WORKING is replaced by the next letter in the English alphabet and each of the remaining letters is replaced by the previous letter in the English alphabet, which of the following will be the fourth from the right and after the replacement ?

A
N
B
Q
C
J
D
M
E
None of these

Question 12Single Answer

How many pairs of letters are there in the word ‘SHIFTED’ each of which has as many letters between its two letters as there are between in the English alphabet?

A
None
B
One
C
Two
D
Three
E
None of these

Question 13Single Answer

Statement: Is common currency a necessary ingredient for Europe’s growth ?
Arguments :
I. Yes, A common currency will enable entire Europe to market itself as one .
II. No, Similar experiments by Latin America countries have not affected their economies .

A
The only argument I is strong
B
Only argument II is strong
C
Either I or II is strong
D
Neither I nor II is strong

Question 14Single Answer

If it is possible to make only one meaningful word with the first, the fifth, the sixth, the tenth and the eleventh letters of the word EXCEPTIONAL using each letter only once, first letter of that word is your answer. If no such word can be made formed your answer is ‘X’ and if more than one such word can be formed your answer is ‘Y’.

Question 15Single Answer

How many meaningful English words can be formed with the letters RAE using each letter only once in each word?

A
None
B
One
C
Two
D
Three
E
More than three

Question 16Single Answer

Passage :

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z .

Which letter in this alphabet is the eighth letter to the right of the letter and which is tenth letter to the left of the last but one letter of the alphabet ?

Question 17Single Answer

Passage :

Direction : The following question is based on the five words given below:
AND FOR THE BIG SUM (The new words formed after performing the mentioned operations may or may not necessarily the meaningful English words.)

If the third alphabet of each of the words is changed to the next alphabet in the English alphabetical series, which of the following will form a meaningful English word?

A
SUM
B
BIG
C
Both BIG and THE
D
FOR
E
Both FOR and BIG

Question 18Single Answer

Passage :

Direction : The following question is based on the five words given below:
AND FOR THE BIG SUM (The new words formed after performing the mentioned operations may or may not necessarily the meaningful English words.)

If the given words are arranged in the order as they would appear in a dictionary from left to right, which of the following will be second from the right ?

A
AND
B
FOR
C
THE
D
BIG
E
SUM

Question 19Single Answer

Passage :

Direction: The following question is based on the five words given below:
AND FOR THE BIG SUM (The new words formed after performing the mentioned operations may or may not necessarily the meaningful English words.)

If second alphabet in each of the words is changed to next alphabet in the English alphabetical order, how many words having two vowels (same or different vowels) will be formed ?

A
None
B
One
C
Two
D
Three
E
Four

Question 20Single Answer

Passage :

How many letters are there in the English alphabetical series between the second letter of the word which is second from the right and the second letter of the word which is second from the left of the given words?

A
Two
B
Five
C
Six
D
Nine
E
Three

Question 21Single Answer

Passage :

Direction: The following question is based on the five words given below:
AND FOR THE BIG SUM (The new words formed after performing the mentioned operations may or may not necessarily the meaningful English words.)

If in each of the given words, each of the consonant is changed to previous letter and each vowel is changed to next letter in the English alphabetical series, in how many words thus formed will no vowels appear?

A
None
B
One
C
Two
D
Three
E
More than three

Question 22Single Answer

Passage :

Direction : Following question is based on five words given below:
BRU LEGINKCATOWN
(The new words formed after performing the mentioned operations may or may not necessarily be meaningful English words)

If the third alphabet in each of the words is changed to the next alphabet in the English alphabetical order, how many words having two vowels (same or different vowels) will be formed?

A
None
B
One
C
Two
D
Three
E
Four

Question 23Single Answer

Passage :

If the position of the first and the second alphabets of each of the words are interchanged, which of the following will form a meaningful English word?

A
Both CAT and OWN
B
Both BRU and INK
C
Only CAT
D
Only INK
E
Only LEG

Question 24Single Answer

Passage :

Direction: Following question is based on five words given below:
BRU LEGINKCATOWN
(The new words formed after performing the mentioned operations may or may not necessarily be meaningful English words)

If the given words are arranged in the order as they would appear in a dictionary from left to right, which of the following will be exactly in the middle of the five words?

A
OWN
B
LEG
C
BRU
D
CAT
E
INK

Question 25Single Answer

Passage :

Direction: Following question is based on five words given below:
BRU LEGINKCATOWN
(The new words formed after performing the mentioned operations may or may not necessarily be meaningful English words)

If in each of the given words, each of the consonants is changed to previous letter and each vowel is changed to next letter in the English alphabetical series, in how many words thus formed will the same alphabet appear twice?

A
None
B
One
C
Two
D
Three
E
More than three

Quantitative Aptitude

Question 26Single Answer

The cash difference between the selling prices of an article at a profit of 4% and 6% is Rs. 3. The ratio of the two selling prices is:__________ ?

A
51:52
B
52:53
C
51:53
D
52:55

Question 27Single Answer

Which of the following numbers is irrational ?

A
√49
B
0.125
C
√2
D
22/7

Question 28Single Answer

356 x 936 – 356 x 836 = ?

A
35600
B
34500
C
9630
D
93600

Question 29Single Answer

Arrange in descending order: 5/8, 7/10, 3/4

A
3/4 > 7/10 > 5/8
B
7/10 > 3/4 > 5/8
C
3/4 > 5/8 > 7/10
D
5/8 > 7/10 > 3/4

Question 30Single Answer

What is (3^{^}{4} times 9^{^}{2}) ?

A
3⁶
B
3⁸
C
3¹⁰
D
9⁶

Question 31Single Answer

If 3⁴X^-2 = 729, then find the value of X.

Question 32Single Answer

Convert 0.6 into fraction ?

A
3/5
B
2/3
C
4/5

Question 33Single Answer

The no. plate of a bus had peculiarity. The bus number was a perfect square. It was also a perfect square when the plate numbers were reversed. The bus company had only five hundred buses numbered from 1 to 500. What was the number ?

A
169
B
36
C
196
D
Can not say

Question 34Single Answer

If a and b are positive integers, such that ab = 125, then (a-b)^a+b-4= ?

A
16
B
25
C
28
D
30

Question 35Single Answer

If x^*y = x² + y² – xy, then value of 9^*11 is

A
93
B
103
C
60.5
D
121

Question 36Single Answer

Which is greater ?

A
15/16
B
17/18
C
Equal
D
Cannot compare

Question 37Single Answer

If sum of two numbers is 42 and their product is 437, then find their difference.

Question 38Single Answer

Write the 44000 in Roman numerals

A
XLI
B
XLVI
C
XLIV
D
XLVIC

Question 39Single Answer

Convert 0.0909… into fraction ?

A
1/11
B
9/11
C
1/9
D
9/10

Question 40Single Answer

What is (98 times 102) ?

A
9996
B
10000
C
10096
D
10196

Question 41Single Answer

Passage :

information given below and answer the question that follow.
The result of an exam is given below. Out of 1000 students who appeared
(i) 658 failed in Physics
(ii) 166 failed in Physics and Chemistry
(iii) 372 failed in Chemistry, 434 failed in Physics and Maths
(iv) 590 failed in Maths, 126 failed in Maths & Chemistry
Find the number of people who failed in (assuming that none is passed in all subjects.

We have the following equations:
a+ b + c + d + e + f + g = 1000
a + b + d + e = 658, b + d = 166
b + d + c + f = 372
d + e = 434 as in the figure.
d + e + f + g = 590, d + f = 126. Find the values

Chemistry but not in Physics.

A
318
B
198
C
213
D
206

Question 42Single Answer

Passage :

Direction: information given below and answer the question that follow.
The result of an exam is given below. Out of 1000 students who appeared
(i) 658 failed in Physics
(ii) 166 failed in Physics and Chemistry
(iii) 372 failed in Chemistry, 434 failed in Physics and Maths
(iv) 590 failed in Maths, 126 failed in Maths & Chemistry
Find the number of people who failed in (assuming that none is passed in all subjects.

We have the following equations:
a+ b + c + d + e + f + g = 1000
a + b + d + e = 658, b + d = 166
b + d + c + f = 372
d + e = 434 as in the figure.
d + e + f + g = 590, d + f = 126. Find the values

Physics or Maths but not in Chemistry.

A
558
B
718
C
628
D
None of these

Question 43Single Answer

Passage :

For the next four question that follow:
In a city, three daily newspapers A, B, C are published, 42% read A; 51% read B; 68% read C; 30% read A and B; 28% read B and C; 36% read A and C; 8% do not read any of the three newspapers.

Let x% people read all the three newspapers.
Since 8% people do not read any newspapers.
(x – 24) + (x – 7) + (x + 4) + (30 – x) + (36 – x) + (28 – x) + x = 92
→ x + 98 – 31 = 92
→ x = 92 – 67 = 25

What is the percentage of persons who read all the three papers ?

A
20%
B
25%
C
30%
D
40%

Question 44Single Answer

Passage :

For the next four : question that follow :
In a city, three daily newspapers A, B, C are published, 42% read A; 51% read B; 68% read C; 30% read A and B; 28% read B and C; 36% read A and C; 8% do not read any of the three newspapers.

What is the percentage of persons who read only two papers?

A
19%
B
31%
C
44%
D
None of these

Question 45Single Answer

Passage :

What is the percentage of persons who read only one paper ?

A
38%
B
48%
C
51%
D
None of these

Question 46Single Answer

Passage :

For the next four : question that follow:
In a city, three daily newspapers A, B, C are published, 42% read A; 51% read B; 68% read C; 30% read A and B; 28% read B and C; 36% read A and C; 8% do not read any of the three newspapers.

What is the percentage of persons who read only A but neither B nor C ?

A
4%
B
3%
C
1%
D
None of these

Question 47Single Answer

Passage :

For the next four : question that follow:
In a city, three daily newspapers A, B, C are published, 42% read A; 51% read B; 68% read C; 30% read A and B; 28% read B and C; 36% read A and C; 8% do not read any of the three newspapers.

If A and B are any two sets, then what is A ᴖ (A ᴗ B) equal to ?

A
Complement of A
B
Complement of B
C
B
D
A

Question 48Single Answer

Passage :

For the next four : question that follow:
In a city, three daily newspapers A, B, C are published, 42% read A; 51% read B; 68% read C; 30% read A and B; 28% read B and C; 36% read A and C; 8% do not read any of the three newspapers.

40% of the people read newspaper X, 50% read newspaper Y and 10% read both the papers. What percentage of the people read neither newspaper ?

A
10%
B
15%
C
20%
D
25%

Question 49Single Answer

Passage :

Read the passage below and solve the question based on it.
5% of the passengers do not like coffee, tea and lassi and 10% like all the three, 20% like coffee and tea, 25% like lassi and coffee and 25% like lassi and tea. 55% like coffee, 50% like tea, and 50% like lassi.

Where C = Coffee, T = Tea and L =Lassi

The passengers who like only coffee is greater than the passengers who like only lassi by

A
25%
B
100%
C
75%
D
0%

Question 50Single Answer

Passage :

Where C = Coffee, T = Tea and L =Lassi

The percentage of passengers who like both tea and lassi but not coffee, is

A
15
B
25
C
40
D
75

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English

Question 51Single Answer

I go to Madurai by —– Vaigai Express

A
a
B
an
C
some
D
the

Question 52Single Answer

Have the car stolen!

A
Steal the car
B
You should have the stolen car
C
Get someone to steal the car
D
They have stolen the car

Question 53Single Answer

The payment was collected by the hardworking salesman.

A
The hardworking salesman collected the payment.
B
the salesman who worked heard was able to collect the payment.
C
to collect the payment the salesman had to work hard.
D
The hardworking salesman was able to collect the payment.

Question 54Single Answer

I had to stop all my work to complete this project.

A
All other work had to be stopped to complete this project by me
B
For completing this project all other work must be stopped
C
For completing this project I had to stop all my work
D
To complete this project all other work had been stopped by me

Question 55Single Answer

They have published the names of all the successful candidates.

A
The candidates who have succeeded their names they had published.
B
The names of all the successful candidates have been published by them
C
The candidates who have succeeded their names have been published by them.
D
The names of all the successful candidate were published by them.

Question 56Single Answer

The online shopping site lowered the prices.

A
Lowering of the prices was done by the online shopping site
B
The prices were lowered by the online shopping site
C
The prices had been lowered by the online shopping site
D
The prices have been lowered by the online shopping site

Question 57Single Answer

Who taught you to drive a truck ?

A
To drive a truck by whom were you taught?
B
Driving a truck by who were you taught?
C
Driving a truck by who were you being taught?
D
By whom were you taught to drive a truck?

Question 58Single Answer

We shall invite Suresh.

A
Suresh would be invited by us
B
Suresh would have been invited by us
C
Suresh will be invited by us
D
Suresh will have been invited by us

Question 59Single Answer

Dark clouds have overcast the evening sky.

A
By the dark clouds the evening sky was overcast.
B
The evening sky has been overcast by the dark clouds.
C
Dark clouds overcastted the evening sky.
D
The sky of the evening was overcasted by dark clouds.

Question 60Single Answer

The partners will celebrate their triumph tomorrow.

A
The triumph would be celebrated by the partners a day before
B
The triumph would be celebrated by the partners a day after
C
The triumph would have been celebrated by the partners a day after
D
The triumph will have been celebrated by the partners tomorrow

Question 61Single Answer

Why did break the vase?

A
why is the vase broken by him
B
why was the vase broken by him
C
why had been the vase broken by him
D
why has been the vase broken by him

Question 62Single Answer

Mariam was writing a note to her boss.

A
A note was written to her boss by Mariam
B
A note was wrote by Mariam to her boss
C
A note was being written by Mariam to her boss
D
A note was written by Mariam to her boss

Question 63Single Answer

The baby really enjoys that music.

A
That music was really enjoyed by the baby.
B
That music was really being enjoyed by the baby.
C
That music is really enjoyed by the baby.
D
This music was really enjoyed by the baby.

Question 64Single Answer

The weather disrupted the final match.

A
The final match has been disrupted by the weather.
B
The final match had been disrupted by the weather.
C
The final match was disrupted by the weather.
D
The final match was being disrupted by the weather.

Question 65Single Answer

The management committee is required to publish a report every year.

A
report would be published by the management committee every year.
B
A report would have been published by the management committee every year.
C
A report requires to be published by the management committee every year.
D
Every year the report would be published by the management committee.

Question 66Single Answer

Passage :

Direction : Question below has two blanks, each blank indicting that some thing has been omitted. Choose the word for each blank which best fits the meaning of the sentence as a whole.

The Finance Department has ……………a centralized online databank system for all statutory government bodies to …………an eye on their assets and liabilities.

A
presented , stay
B
introduced , keep
C
announce , make
D
created , let
E
proclaimed , hold

Question 67Single Answer

Passage :

Direction : The five items in this section consists of a word or group of words followed by four words as (a), (b), (c) and (d). Select the word which is nearly opposite to the meaning of the original word or group of words and mark your response as (a), (b), (c) and (d), as the case may be, in your Answer Sheet.

Assets

A
liabilities
B
responsibilities
C
estates
D
profits

Question 68Single Answer

Passage :

Direction : In the question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Affidavit

A
Affirmation
B
Slander
C
Oath
D
Testimony

Question 69Single Answer

Passage :

Direction: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Hollow

A
Alveolate
B
Cleft
C
Cavernous
D
Solid

Question 70Single Answer

Passage :

Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Cosset

A
Ignoreb
B
Close
C
Caress
D
Fondle

Question 71Single Answer

Passage :

Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Ogle

A
Leer
B
Gaze
C
Ignore
D
Gawk

Question 72Single Answer

Passage :

Directions:In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Intrinsic

A
Elemental
B
Innate
C
Connate
D
Acquired

Question 73Single Answer

Passage :

Direction : In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Coalesce

A
Separate
B
Adhere
C
Cleave
D
Amalgamate

Question 74Single Answer

Passage :

Directions: In the following question, out of the four alternatives, choose the word which is opposite in meaning to the given word and click the button corresponding to it

Loiter

A
lag
B
Hasten
C
Amble
D
Loii

Question 75Single Answer

Passage :

Direction : Question below has two blanks, blank indicating that something has been omitted. Choose the set of words for blank which best fits the meaning of the sentence as a whole.

The protests were......... at ......... awareness among the elite and the educated.

A
held, generating
B
aimed, creating
C
targeted, awakening
D
focused, building
E
concentrated, producing

Retail Liabilities

Question 76Single Answer

What does the Radiance segment primarily target?

A
Small business owners
B
High net-worth individuals (HNIs)
C
Retired professionals
D
Students

Question 77Single Answer

Which segment under Bank of Baroda focuses on affluent young professionals?

A
Sparkle
B
Shine
C
Rise
D
Radiance

Question 78Single Answer

The Shine segment caters to which customer profile?

A
Premium customers with evolving financial needs
B
Small-scale farmers
C
Micro-enterprise owners
D
Entry-level professionals

Question 79Single Answer

Which segment under Bank of Baroda targets mass affluent customers?

A
Sparkle
B
Radiance
C
Rise
D
Shine

Question 80Single Answer

The Radiance Private service is designed for which customers?

A
Mid-income salaried individuals
B
High net-worth individuals (HNIs) with exclusive banking needs
C
Rural banking customers
D
Government employees

Question 81Single Answer

What is the primary benefit offered to Sparkle customers?

A
Higher savings interest rates
B
Personalized wealth management services
C
Access to premium banking facilities
D
Credit card rewards

Question 82Single Answer

Shine segment customers are offered which key feature?

A
Group insurance policies
B
Customized investment options
C
Agricultural loans
D
Student savings accounts

Question 83Single Answer

Which target segment emphasizes relationship-based banking?

A
Radiance
B
Rise
C
Sparkle
D
Shine

Question 84Single Answer

The Rise segment customers are usually categorized by which factor?

A
Entry-level professionals
B
Mid-level income earners with growing assets
C
Retirees with pensions
D
High-income freelancers

Question 85Single Answer

What makes the Sparkle segment distinct from the Rise segment?

A
Focus on rural banking
B
Focus on younger customers with premium services
C
Includes only government employees
D
Higher fixed deposit rates

Question 86Single Answer

Which retail deposit product is most suitable for Shine segment customers?

A
Recurring deposit schemes
B
Fixed deposits with flexible tenures
C
High-yield savings accounts
D
Student savings accounts

Question 87Single Answer

What is the ideal strategy to attract Radiance customers?

A
Advertising low-interest loans
B
Offering premium wealth management services
C
Promoting regular savings accounts
D
Focusing on rural banking campaigns

Question 88Single Answer

Which product is highly recommended for Sparkle segment customers?

A
Savings accounts with cashback offers
B
Long-term recurring deposits
C
Credit-linked insurance policies
D
Fixed deposit accounts with overdraft options

Question 89Single Answer

Rise segment customers are most likely to benefit from:

A
Flexible recurring deposits
B
Joint accounts with overdraft facilities
C
Fixed deposits with competitive interest rates
D
Current accounts

Question 90Single Answer

For Shine customers, which promotional strategy is most effective?

A
Highlighting exclusive lifestyle benefits
B
Offering subsidized agricultural loans
C
Promoting basic saving schemes
D
Emphasizing credit card rewards

Question 91Single Answer

What is the most critical factor in selling retail deposit products to Radiance customers?

A
Personalization of financial products
B
Focus on rural expansion
C
Offering generic product options
D
Advertising in mass media

Question 92Single Answer

What is the primary selling point for Sparkle customers?

A
Ease of account opening with digital platforms
B
Higher agricultural loan limits
C
Long-term fixed deposits
D
Family insurance schemes

Question 93Single Answer

Which communication channel is most effective for Shine customers?

A
SMS notifications
B
Direct relationship manager support
C
Radio advertisements
D
Bulk email campaigns

Question 94Single Answer

How can Rise customers be retained effectively?

A
Offering competitive FD interest rates
B
Increasing service charges
C
Focusing only on offline banking options
D
Avoiding personalized services

Question 95Single Answer

What sales technique is most effective for Radiance customers?

A
Personalized meetings and financial consultation
B
Generic advertisements
C
Bulk SMS marketing
D
Phone banking promotions

Question 96Single Answer

Which feature is crucial for retaining Shine customers?

A
Customized financial goals tracking
B
Discounts on agricultural loans
C
Simplified documentation
D
Basic savings accounts

Question 97Single Answer

What loyalty program can be introduced for Sparkle customers?

A
Reward points for transactions
B
Special loan rates
C
Fixed deposit auto-renewal
D
Low-cost remittances

Question 98Single Answer

How does an enhanced banking app support Radiance customers?

A
Simplifies high-value transactions and offers personalized financial insights
B
Promotes rural outreach programs
C
Avoids HNI-specific services
D
Focuses only on low-value transactions

Question 99Single Answer

What is the best customer engagement strategy for Rise customers?

A
Regular financial health check-ups
B
Increasing account maintenance charges
C
Offering no additional services
D
Limiting digital banking access

Question 100Single Answer

Which feature will boost loyalty among Shine customers?

A
Lifestyle benefits and concierge services
B
Higher rural banking outreach
C
Reduction in FD interest rates
D
Basic ATM services

Question 101Single Answer

What type of customer feedback mechanism works best for Radiance customers?

A
Dedicated Relationship Manager (RM) reviews
B
Generalized surveys
C
Mobile app feedback only
D
Bulk email questionnaires

Question 102Single Answer

For Sparkle customers, which digital feature is most appealing?

A
Instant account opening through a mobile app
B
Free checkbook services
C
Specialized rural loan programs
D
Manual branch-based processes

Question 103Single Answer

What strategy can help target Rise customers effectively?

A
Offering loyalty-based FD rate increases
B
Promoting entry-level accounts
C
Emphasizing student loan schemes
D
Bundling group insurance policies

Question 104Single Answer

Which cross-sell opportunity aligns with Shine segment needs?

A
Investment-linked insurance plans
B
Agricultural loans
C
Educational savings accounts
D
Fixed deposits with withdrawal penalties

Question 105Single Answer

How can Radiance customers' experience be enhanced further?

A
By offering personalized wealth reports
B
By eliminating digital banking facilities
C
By reducing interaction with relationship managers
D
By limiting account types

Question 106Single Answer

What is the primary goal of marketing retail deposit products to Sparkle customers?

A
To promote long-term loans
B
To ensure premium banking services accessibility
C
To focus solely on rural customers
D
To offer agricultural subsidies

Question 107Single Answer

Which mock project idea focuses on Rise customers?

A
Designing targeted campaigns for mid-level professionals
B
Promoting recurring deposits for students
C
Offering higher pension plans
D
Introducing savings accounts for retirees

Question 108Single Answer

What is the best way to educate Shine customers on products?

A
Financial literacy workshops
B
SMS marketing
C
Limiting advertisements
D
Avoiding direct engagement

Question 109Single Answer

What additional feature would appeal to Radiance customers?

A
Concierge banking services
B
Low-interest agricultural loans
C
Fixed deposits with penalties
D
Basic mobile app features

Question 110Single Answer

Mock projects for Sparkle customers should emphasize:

A
Developing user-friendly digital platforms
B
Offering only offline banking services
C
Promoting rural-focused loans
D
Limiting savings account options

Question 111Single Answer

What is essential for continuous improvement in selling retail deposit products?

A
Regular training in customer relationship management
B
Reducing product options
C
Avoiding feedback
D
Simplified product information

Question 112Single Answer

What should sales teams focus on to cater to Radiance customers?

A
Advanced negotiation skills
B
Reducing marketing efforts
C
Only basic account setups
D
Avoiding premium product customization

Question 113Single Answer

Which soft skill is critical for targeting Shine segment customers?

A
Personalized communication
B
Aggressive marketing
C
Ignoring client feedback
D
Focus on rural banking

Question 114Single Answer

What training module is necessary for Sparkle sales?

A
Understanding millennial banking needs
B
Emphasizing offline banking
C
Avoiding product innovation
D
Ignoring mobile app features

Question 115Single Answer

Which sales strategy best fits Rise customers?

A
Building trust through clear product benefits
B
Limiting customer interaction
C
Reducing product offerings
D
Ignoring feedback

Question 116Single Answer

How can Shine customers' satisfaction levels be measured effectively?

A
Conducting exclusive feedback sessions
B
Ignoring follow-ups
C
Promoting unrelated services
D
Using generic surveys only

Question 117Single Answer

Which KPI is critical for Sparkle customer acquisition?

A
Digital account opening rate
B
Loan default rates
C
Agricultural outreach numbers
D
ATM usage statistics

Question 118Single Answer

What indicates a successful campaign for Radiance customers?

A
Increased HNI account openings
B
Rise in generic savings accounts
C
Higher agricultural loan approvals
D
Reduction in customer engagement

Question 119Single Answer

What metric is most important for Rise customer retention?

A
Loyalty program participation
B
ATM withdrawal frequency
C
Reduced savings account transactions
D
Number of branch visits

Question 120Single Answer

Which success metric is vital for Shine customers?

A
Growth in investment product adoption
B
Decline in branch visits
C
Reduction in FD interest rates
D
Increase in agricultural loans

Question 121Single Answer

Which continuous improvement practice benefits Radiance sales teams the most?

A
Regular updates on wealth management tools
B
Avoiding new product updates
C
Limiting customer interaction
D
Ignoring competition

Question 122Single Answer

What enhancement benefits Sparkle customer experience?

A
Upgraded mobile banking apps
B
Limited digital banking facilities
C
Focus solely on rural areas
D
Higher interest rates on all accounts

Question 123Single Answer

How can sales teams retain Rise customers effectively?

A
Offering exclusive fixed deposit benefits
B
Reducing service quality
C
Avoiding loyalty programs
D
Ignoring segment-specific products

Question 124Single Answer

What should Shine-focused sales campaigns emphasize?

A
Lifestyle and premium benefits
B
Generic savings account features
C
Only rural outreach programs
D
Low-cost insurance schemes

Question 125Single Answer

What improvement technique helps build Sparkle segment loyalty?

A
Gamified savings account features
B
Reducing app functionality
C
Avoiding promotional offers
D
Increasing account maintenance fees

Question 126Single Answer

What is the primary feature of a savings account?

A
High-interest rate
B
Flexible withdrawal options
C
Long-term investment lock-in
D
No transaction limits

Question 127Single Answer

Which type of account is suitable for regular small savings with fixed tenure?

A
Savings account
B
Recurring deposit
C
Fixed deposit
D
Current account

Question 128Single Answer

What distinguishes a fixed deposit account from other deposit accounts?

A
Instant access to funds
B
Fixed interest rate for a defined period
C
Daily transaction flexibility
D
Linked to stock market performance

Question 129Single Answer

Which account type caters primarily to businesses for frequent high-value transactions?

A
Savings account
B
Current account
C
Fixed deposit
D
Recurring deposit

Question 130Single Answer

What is a major benefit of senior citizen fixed deposit schemes?

A
Higher interest rates than regular FDs
B
Unlimited withdrawals
C
No minimum deposit requirement
D
Linked to stock market returns

Question 131Single Answer

What is the primary benefit of a savings account for individual customers?

A
High returns on investment
B
Liquidity and safety
C
Long-term capital appreciation
D
Tax exemption on deposits

Question 132Single Answer

What key feature makes recurring deposits popular among salaried individuals?

A
Lump sum investment
B
Monthly installment option
C
No penalty for non-payment
D
Short-term lock-in

Question 133Single Answer

How do fixed deposits benefit customers during market fluctuations?

A
By offering variable interest rates
B
By guaranteeing fixed returns
C
By providing easy withdrawal options
D
By offering tax-free interest

Question 134Single Answer

Which product is best suited for customers seeking both liquidity and interest earnings?

A
Current account
B
Savings account
C
Fixed deposit
D
Recurring deposit

Question 135Single Answer

What is the main tax benefit of investing in 5-year tax-saver FDs?

A
Exemption under Section 80C
B
Zero tax on interest earned
C
No TDS deductions
D
Lifetime tax exemption

Question 136Single Answer

Who is the primary target audience for recurring deposits?

A
High Net Worth Individuals (HNIs)
B
Salaried individuals
C
Businesses
D
Retirees

Question 137Single Answer

Which segment would benefit most from savings accounts with auto-sweep facilities?

A
Retail customers with irregular income
B
Customers with stable cash inflows and higher balances
C
Small-scale farmers
D
Students and minors

Question 138Single Answer

What type of account is ideal for startups and small businesses?

A
Fixed deposit account
B
Recurring deposit account
C
Current account
D
Joint savings account

Question 139Single Answer

Which customer segment is primarily targeted with premium banking services?

A
HNIs and professionals
B
Students and minors
C
Small farmers
D
Temporary workers

Question 140Single Answer

Why are senior citizen deposit schemes an important product?

A
High liquidity
B
Preferential interest rates
C
Tax-free maturity benefits
D
Linked to gold savings

Question 141Single Answer

What product can be cross-sold with a fixed deposit account?

A
Loan against FD
B
Insurance-linked savings account
C
Current account with overdraft
D
Gold ETFs

Question 142Single Answer

Which investment product complements a recurring deposit?

A
Mutual funds
B
Gold loans
C
Health insurance
D
Term deposits

Question 143Single Answer

What retail deposit product pairs well with credit cards?

A
Savings accounts with salary tie-ups
B
Fixed deposits only
C
Current accounts exclusively
D
Recurring deposits

Question 144Single Answer

How does auto-sweep functionality enhance savings accounts?

A
By offering FD-like interest rates on excess balances
B
By reducing account maintenance fees
C
By increasing daily withdrawal limits
D
By allowing zero balance for premium customers

Question 145Single Answer

Which insurance product is best suited for senior citizens with fixed deposits?

A
Health insurance with critical illness coverage
B
Car insurance policies
C
Term insurance for younger dependents
D
Home loan protection insurance

Question 146Single Answer

What differentiates the Radiance segment from other customer tiers?

A
Personalized banking services
B
Limited product options
C
Exclusively online operations
D
High dependency on rural banking needs

Question 147Single Answer

Which is a common feature of Shine and Sparkle segments?

A
Digital-first banking products
B
No relationship manager support
C
Rural focus for both tiers
D
Linked exclusively to agricultural loans

Question 148Single Answer

What makes savings accounts under Rise segments unique?

A
Targeted towards mid-level professionals
B
Primarily focused on senior citizens
C
Only available through physical branches
D
Linked directly to tax-free returns

Question 149Single Answer

How does Bank of Baroda's tax-saver FD help middle-class families?

A
By combining tax benefits with secure returns
B
By offering zero deposit lock-in
C
By removing penalties for early withdrawal
D
By reducing initial deposit requirements

Question 150Single Answer

Which account type allows overdraft facilities as a primary feature?

A
Current account
B
Savings account
C
Fixed deposit
D
Recurring deposit

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Latest Bank of Baroda Manager Sales Exam Question (Objective Questions), MCQ in English

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