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Bank of Baroda LBO Mock Test Challenge 2026, Free Tests, Section Wise Preparation Tips

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The Bank of Baroda LBO Mock Test Challenge 2026 is designed to help candidates evaluate their preparation for the Local Bank Officer (LBO) recruitment examination. Practising Bank of Baroda LBO mock tests regularly helps candidates understand the exam pattern, improve time management, and identify weak areas before the actual examination. Based on the exam structure of 120 questions, 120 marks, and 120 minutes, the mock test covers English Language, Banking Knowledge, General/Economic Awareness, and Reasoning Ability & Quantitative Aptitude.

Whether you are starting your preparation or revising for the final stage, attempting a BOB LBO mock test helps identify weak areas, track section-wise performance, and understand question selection under timed conditions.

Key Highlights of Bank of Baroda LBO Mock Test Challenge 2026 & Exam Pattern

The Bank of Baroda LBO online exam tests candidates through 120 multiple-choice questions carrying 120 marks over a duration of 120 minutes. Each section has a dedicated 30-minute timing limit and carries 30 marks, where correct choices award 1 mark and incorrect choices deduct 0.25 marks.

The table below provides a quick overview of the essential test specifications verified from the official recruitment guidelines:

Exam ParameterOfficial Specifications
Total Questions120 Multiple Choice Questions
Maximum Marks120 Marks
Total Duration120 Minutes (30 minutes per section)
Marking Scheme+1 for correct answer, -0.25 for incorrect answer
Sectional Qualifying CutoffGeneral/EWS: 40% (12 marks)
SC/ST/OBC/PwBD: 35% (10.5 marks)
Medium of ExaminationBilingual (English & Hindi), except English section

BOB LBO Mini Mock 2026: 10 Exam Level Questions with Answers and Explanations

Practice these 10 Bank of Baroda Local Bank Officer (LBO) exam-level questions covering Banking Awareness, Credit & Lending, Financial Awareness, Reasoning, Quantitative Aptitude, and English Language.

The mini mock quiz follows an objective-type format with five options per question. Each correct answer carries 2 marks, while 0.5 marks are deducted for every incorrect answer.

BOB LBO Mini Quiz Score: 0.00
Banking Awareness

Q1. Under the Priority Sector Lending (PSL) guidelines, what is the overall PSL target for domestic commercial banks as a percentage of ANBC or CEOBE, whichever is higher?

Correct Answer: (C) 40%
Domestic commercial banks have an overall PSL target of 40% of ANBC or CEOBE, whichever is higher. This supports credit flow to agriculture, MSMEs, education, housing and weaker sections.
Credit & Lending

Q2. A bank sanctions a term loan of ₹50 lakh to a business at an annual interest rate of 10%. The loan is repayable in 5 equal annual principal instalments. What will be the interest payable in the first year, assuming interest is calculated on the opening principal?

Correct Answer: (C) ₹5 lakh
First-year interest = Opening principal × Rate / 100 = 50 × 10/100 = ₹5 lakh. Therefore, the interest payable in the first year is ₹5 lakh.
Banking Awareness

Q3. Under the SARFAESI Act, 2002, after classifying a borrower’s account as an NPA, a secured creditor generally issues a demand notice allowing the borrower how many days to discharge the liabilities?

Correct Answer: (D) 60 days
Section 13(2) of the SARFAESI Act provides that the borrower must discharge the liability within 60 days from the date of the demand notice. If the borrower fails to comply, the secured creditor may proceed under Section 13(4), subject to applicable conditions.
Financial Awareness

Q4. A bank’s CASA ratio is calculated using which of the following?

Correct Answer: (C)
CASA stands for Current Account Savings Account. The CASA ratio is the proportion of total deposits held in current and savings accounts. A higher CASA ratio generally helps reduce the bank’s cost of funds.
Credit & Lending

Q5. A borrower has a monthly net income of ₹80,000. The bank allows a maximum FOIR of 50%. If the borrower’s existing monthly loan obligations are ₹20,000, what is the maximum additional EMI that can be considered?

Correct Answer: (C) ₹20,000
Maximum permissible obligations = 80,000 × 50% = ₹40,000. Existing obligations = ₹20,000. Additional EMI = 40,000 − 20,000 = ₹20,000.
Banking Awareness

Q6. Which of the following statements correctly describes the concept of a Cash Credit (CC) facility?

Correct Answer: (B)
Cash Credit is a working capital facility generally provided against current assets such as stock and receivables. The borrower can withdraw funds up to the sanctioned drawing power or limit, subject to the bank’s terms.
Quantitative Aptitude

Q7. A bank branch disbursed loans worth ₹240 lakh in January. In February, loan disbursement increased by 25%, while in March it decreased by 20% compared to February. What was the total loan disbursement in all three months?

Correct Answer: (A) ₹780 lakh
January = ₹240 lakh. February = 240 × 125/100 = ₹300 lakh. March = 300 × 80/100 = ₹240 lakh. Total = 240 + 300 + 240 = ₹780 lakh.
Reasoning Ability

Q8. Statements:
All loan officers are bankers. Some bankers are managers. No manager is a clerk.

Conclusions:
I. Some loan officers are managers.
II. Some bankers are not clerks.

Choose the correct option.

Correct Answer: (B) Only conclusion II follows
Conclusion I does not follow because the relationship between loan officers and managers is not definite. Conclusion II follows because some bankers are managers, and no manager is a clerk. Hence, those bankers who are managers are not clerks.
Banking Awareness

Q9. Which of the following is the primary objective of the Credit Information Bureau (India) Limited (CIBIL)?

Correct Answer: (B)
TransUnion CIBIL is a credit information company that maintains credit information and provides credit reports and scores. Banks use this information to assess the creditworthiness of loan applicants.
English Language

Q10. Choose the most appropriate word to fill in the blank:

The bank introduced a new credit assessment system to ______ the risk of loan defaults.

Correct Answer: (B) Mitigate
“Mitigate” means to reduce the severity or impact of something. Credit assessment systems help banks identify potential risks and reduce the possibility of loan defaults.

Quiz Summary

Attempted
0
Correct
0
Wrong
0
Unattempted
10
Final Score: 0.00

Quiz Completed!

You have scored:
0.00

Keep practising to improve your banking knowledge, accuracy and speed for the BOB LBO examination.

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Section Wise Breakdown of BOB LBO Mock Test 2026

Understanding the detailed subject breakdown helps candidates plan their exam execution strategy effectively. Each section evaluates distinct competencies required for a Local Bank Officer role in public sector banking.

Before starting full-length practice sets, review the exact section weightage and timing limits presented in the table below:

Section NameTotal QuestionsTotal MarksSectional TimingLanguage Medium
English Language303030 MinutesEnglish Only
Banking Knowledge303030 MinutesEnglish & Hindi
General / Economic Awareness303030 MinutesEnglish & Hindi
Reasoning Ability & Quantitative Aptitude303030 MinutesEnglish & Hindi
Total120120120 Minutes--

1. English Language Section

Feature / CategoryDetails
RoleQualifying Role: Evaluates fundamental grammar, reading comprehension, and vocabulary skills.
Key TopicsReading Comprehension, Cloze Test, Para Jumbles, Error Spotting, and Sentence Improvement.
Preparation TipSolve grammar rules and vocabulary questions first to save time for reading passages.

2. Banking Knowledge Section

Feature / CategoryDetails
RoleMerit Section: High accuracy in banking concepts directly improves overall merit positioning.
Key TopicsRBI functions, monetary policy tools (CRR, SLR, Repo Rate), KYC/AML guidelines, credit appraisal, and digital banking products.
Preparation TipMemorize key financial terms, banking acts, and regulatory frameworks daily.

3. General & Economic Awareness Section

Feature / CategoryDetails
RoleScoring Potential: Delivers quick marks without complex mathematical calculations.
Key TopicsCurrent affairs (last 4 to 6 months), Union Budget highlights, economic indicators, government schemes, and financial summits.
Preparation TipFocus heavily on banking sector news, RBI circulars, and recent financial appointments.

4. Reasoning Ability & Quantitative Aptitude Section

Feature / CategoryDetails
RoleAnalytical Core: Demands logical reasoning, spatial orientation, and rapid mathematical processing.
Key TopicsSeating arrangements, puzzles, syllogisms, Data Interpretation (DI), simplification, and arithmetic topics.
Preparation TipTarget standalone arithmetic and inequality questions before attempting lengthy puzzles or DI sets.

Benefits of Attempting BOB LBO Free Mock Test

Starting your exam preparation with a bob lbo free mock test provides clear visibility into your current performance level. Regular simulation builds exam-hall confidence and reduces test-day anxiety significantly.

  • Master Sectional Timing: Practice remaining focused through strict 30-minute sectional timers without losing speed.
  • Control Negative Marking: Train yourself to skip doubtful questions to prevent loss from the 0.25 penalty rule.
  • Identify Knowledge Gaps: Detailed diagnostic reports reveal weak topics that require immediate revision.
  • Build Speed and Accuracy: Consistent practice sharpens calculation speed and improves question selection skills.

Structured Preparation Schedule for BOB LBO 2026

Following a planned study routine ensures complete coverage of all four subjects without last-minute stress. Organizing your study hours into clear phases keeps learning goal-oriented and tracking simple.

Here is an actionable multi-phase preparation plan to guide your daily study workflow:

PhaseCore Objective & Key Action Items
Phase 1: Foundation & Diagnostic• Take 1 full-length mock test to evaluate baseline speed and accuracy.
• Clear basic concepts in Banking Knowledge, RBI regulations, and core grammar rules.
• Practice short speed-math quizzes daily to boost calculation speed.
Phase 2: Sectional Practice & Topic Mastery• Attempt 2 sectional tests weekly for each subject area.
• Revise current affairs and economic updates from the past 4 to 6 months.
• Solve 5 complex reasoning puzzles and 5 Data Interpretation sets daily.
Phase 3: Exam-Level Mock Test Simulation• Attempt full-length timed mock tests under realistic exam conditions.
• Analyze incorrect attempts thoroughly to eliminate conceptual errors.
• Review high-yield banking shortcuts, key circulars, and financial abbreviations.

How to Analyze Bank of Baroda LBO Mock Test Performance

Taking mock tests without thorough performance analysis limits your score growth. Evaluating every test attempt systematically transforms mistakes into valuable learning points.

Follow this practical review checklist immediately after completing every mock test session:

  • Categorize Unattempted Questions: Determine if missed questions were due to tight timers or unclear concepts.
  • Review Incorrect Answers: Identify whether mistakes came from calculation errors, misreading questions, or conceptual confusion.
  • Track Time Spent Per Question: Ensure you spend no more than 60 seconds on any individual question.
  • Re-solve Missed Questions Without Timers: Practice unsolved questions without time limits to verify core understanding.

Conclusion

Securing selection in the Junior Management Grade Scale I cadre requires consistent practice, strong concept clarity, and refined time management. Participating in the Bank of Baroda LBO Mock Test Challenge 2026 gives you the structured preparation needed to maximize accuracy and clear qualifying cutoffs. Visit the PracticeMock homepage today to attempt your free mock test and elevate your exam readiness!

Also Read:
BOB LBO SyllabusBOB LBO Result
BOB LBO General AwarenessBOB LBO Exam Analysis
Bank of Baroda LBO SalaryBOB LBO Study Plan
BOB LBO Job ProfileBOB LBO Admit Card

Bank of Baroda LBO Mock Test Challenge 2026 Frequently Asked Questions (FAQs)

What is the Bank of Baroda LBO Mock Test Challenge 2026?

The Bank of Baroda LBO Mock Test Challenge 2026 is a structured online practice program designed to replicate the real exam. It includes 120 questions across four core sections with strict 30-minute sectional timings to build speed and accuracy.

What is the negative marking penalty in the BOB LBO exam?

The exam follows a standard negative marking scheme where 0.25 marks are deducted for every wrong answer. Unattempted questions carry no penalty, making selective attempting essential to avoid score deductions.

Are there individual sectional time limits in the Bank of Baroda LBO exam?

Yes, each of the four sections carries a fixed 30-minute sectional timer. Candidates must complete questions within the active section before moving automatically to the next section when time expires.

What are the minimum qualifying marks for General category candidates?

General and EWS candidates must score a minimum of 40% (12 marks out of 30) in each section. SC, ST, OBC, and PwBD candidates require at least 35% marks (10.5 marks out of 30) per section.

How can candidates access a BOB LBO free mock test?

Candidates can access a free full-length test on online practice platforms. Taking a free mock test helps candidates evaluate initial preparation, analyze weak topics, and experience the actual computer-based exam format.

Monisa Baral

Hi Aspirants, I'm Monisa. I have over 4 years of experience writing and editing content for top EdTech, BFSI, and eCommerce companies. With proficient writing skills, I provide up-to-date educational content that is verified by official sites to assist students in finding the right path to success in a variety of domains, including Bank exams (SBI, IBPS), Insurance exams, Regulatory Body exams (RBI, SEBI, NABARD), SSC, State PCS, UPSC, CUET, JEE, NEET, IPMAT, CLAT, other entrance exams, and CBSE, ICSE, ISC, and other state board exams. Reach her at monisa.baral@practicemock.com.

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