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IBPS PO Result out

Ashish Saklecha — Wed, 14 Dec 2011 06:41:18 +0000

IBPS PO result is out please check your result here for more detail please click here

Edutail Team wishes good luck for all the candidate

Synonyms – English Vocabulary

Ashish Saklecha — Mon, 12 Dec 2011 06:51:40 +0000

On the Demand of various person I am posting some synonyms which are very to the commutative exam.

(SYNONYMS)

Directions (For the 17 items which follow): Each of the following 17 items consists of a word or group of words in capital letters, followed by four or group of words. Select the word or group of words that is most similar in meaning to the word or group of words in capital letters.

1. COUNTERVAILING
(a) Argumentative
(b) Compensating
(c) Crying
(d) Complaining

2. TO DEBILITATE
(a) To outlaw
(b) To support
(c) To weaken
(d) To honour

3. FERRET
(a) Steal
(b) Search
(c) Forget
(d) Fight

4. PECUNIARY
(a) Pertaining to money
(b) Pertaining to Politics
(c) Pertaining to Geography
(d) Pertaining to History

5. REPRISAL
(a) Loneliness (b) Retaliation
(c) Remuneration (d) Pleasure

6. PROPRIETY
(a) Rightness
(b) Brand name
(c) Cultivate land
(d) Market share

7. CAVIL
(a) To play
(b) To complain
(c) To prepare
(d) To cut a joke

8. EVINCE
(a) To learn
(b) To exhibit
(c) To resist
(d) To become infirm

9. INCENSE
(a) To become angry
(b) To support someone
(c) To become relevant
(d) To introduce a new topic

10. ATTENUATE
(a) To weaken
(b) To celebrate
(c) To store
(d) To ‘swim

11. ASCETIC
(a) Fashionable
(b) Austere
(c) Articulate
(d) Athletic

12. ARABLE
(a) Tolerable
(b) Suitable for ploughing
(c) Likeable
(d) Ardent

13. SECEDE
(a) To stop
(b) To arrest
(c) To flow
(d) To withdraw

14. PROFFER
(a) To apologize
(b) To appoint
(c) To disappear
(d) To offer

15. PREVARICATE
(a) To evade
(b) To work hard
(c) To steal
(d) To demonstrate

16. SPECULATE
(a) To embezzle
(b) To guess
(c) To study deeply
(d) To store

17. PECKISH
(a) Angry
(b) Impudent
(c) Hungry
(d) Smart

ANSWERS: 1. (b) 2. (c) 3. (b) 4. (a) 5. (b) 6. (a) 7. (b) 8. (b) 9. (a) 10. (a) 11. (b) 12. (b) 13. (d) 14. (d) 15. (a) 16. (b) 17. (c)

PART II

which follow): Each of the following 17 items consists of a word in capital letters, followed by four words or groups of words. Select the word or group of words that is most similar in meaning to the word in capital letters.

1. PEDAGOGICAL
(a) Related to evolutionary process
(b) Pertaining to teaching methods
(c) Pertaining to dictatorship
(d) Pertaining to social customs

2. SEMANTIC
(a) Mild-mannered
(b) Pertaining to financial matters
(c) Pertaining to meaning of words
(d) Tenable

3. PHLEGMATIC
(a) Thin
(b) Even-tempered
(c) Worldly
(d) Huge

4. EFFRONTERY
(a) Affirmation
(b) Commentary
(c) Rudeness
(d) Compliance

5. PREMONITION
(a) Sadness
(b) Strength
(c) Warning
(d) Advice

6. RETICENCE
(a) Modesty
(b) Caution
(c) Cognizance
(d) Tendency to keep silent

7. BANAL
(a) Hostile
(b) Commonplace
(c) Forbidden
(d) Genial

8. FRUGAL
(a) Quiet
(b) Economical
(c) Shy
(d) Generous

9. QUAGMIRE
(a) Rugged cliff
(b) Lacking in morals
(c) Quizzical
(d) Whirlpool

10. CELERITY
(a) Grace
(b) Fame
(c) Slipperiness
(d) Speed

11. REPRISAL
(a) Surprise
(b) Award
(c) Revision
(d) Retaliation

12. CONGENITAL
(a) Compulsory
(b) Dating from birth
(c) Official
(d) Pertaining to commerce

13. COMMISERATION
(a) Sympathy
(b) Simplification
(c) Slip of tongue
(d) Arrogance

14. INSIDIOUS
(a) Substantial
(b) Unstable
(c) Instantaneous
(d) Cunning

15. BREATHTAKING
(a) Tiring
(b) Costly
(c) Spectacular
(d) Trick

16. PREPOSTEROUS
(a) Predefined
(b) Obvious
(c) Absurd
(d) Arduous

17. SLOTHFUL
(a) Fraught with risk
(b) Lazy
(c) Revengeful
(d) Lenient

ANSWERS: 1. (b) 2. (c) 3. (b) 4. (c) 5. (c) 6. (d) 7. (b) 8. (b) 9. (d) 10. (d) 11. (d) 12. (b) 13. (a) 14. (d) 15. (c) 16. (c) 17. (b)

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General Knowledge forum

Ashish Saklecha — Fri, 11 Nov 2011 04:32:09 +0000

विज्ञान से सम्बंधित सामान्य ज्ञान

1. सूर्य की किरणों से कौनसा विटामिन प्राप्त होता है ?

उत्तर: विटामिन-डी

2. चांदी का कौनसा यौगिक मुख्यतः फोटोग्राफी में प्रयुक्त होता था ?
उत्तर: सिल्वर ब्रोमाइड

3. हीरा एवं ग्रेफाइड किसके अपरूप हैं ?
उत्तर: कार्बन के

4. एंटोमोलॉजी (Entomology) में किसका अध्ययन किया जाता है ?
उत्तर: कीटों(Insects) का

5. परिस्थिति विज्ञान इकोलॉजी (Ecology) का सम्बन्ध किस विषय से है ?
उत्तर: वातावरण से

6. जेनेटिक्स (Genetics) में किसका अध्ययन किया जाता है ?
उत्तर: आनुवांशिकता एवं गुणसूत्र का

7. पृथ्वी की भ्रमण गति कितनी है ?
उत्त: 28 किमी/मिनट

8. 1 किग्रा पदार्थ के तुल्य उर्जा किस क्रम की होती है ?
उत्तर: ~1017 जूल

9. विद्युत की वह मात्र, जिससे 108 ग्राम सिल्वर कैथोड पर एकत्रित होती है, क्या कहलाती है ?
उत्तर: एक फैराडे

10. विभिन्न देशों के ६ माइक्रो सैटेलाइट्स के साठ २३ सितम्बर, २००९ को कौनसा उपग्रह विमोचित किया तथा कक्षा में स्थापित किया गया ?
उत्तर: ओशनसैट-2(Oceansat-2)
Economy Affairs of India 2010

1. सकल राष्ट्रीय बचत एवं निवेश की आकलन व्यवस्था पर किस समिति ने अपनी रिपोर्ट सरकार को मार्च 2009 में प्रस्तुत की थी ?
उत्तर: रंगराजन समिति ने

2. जिस दर पर भारतीय रिजर्व बैंक वाणिज्य बैंकों के प्रथम श्रेणी के बिलों की पुनर्कटौती करता है उसे क्या कहा जाता है ?
उत्तर: बैंक दर

3. संगम योजना का उद्देश्य क्या है ?
उत्तर: विकलांगों के कल्याण को सुनिश्चित करना

4. सेंसेक्स की व्याप्ति में आने वालों की वर्तमान संख्या क्या है ?
उत्तर: 30

5. विश्व व्यापार संगठन(WTO) के महानिदेशक पास्कल लामी किस देश के हैं ?
उत्तर: फ़्रांस के

6. राष्ट्रीय कृषि एवं ग्रामीण विकास बैंक(NABARD) की स्थापना किस समिति की सिफारिश पर की गयी थी ?
उत्तर: शिवारामन समिति की सिफारिश पर

7. ‘कापार्ट’ का सम्बन्ध किससे है ?
उत्तर: ग्रामीण कल्याण कार्यक्रमों की सहायता व मूल्यांकन से

8. ‘कपार्ट’(CAPART)का पूर्ण रूप क्या है ? इसका मुख्यालय कहाँ स्थित है ?
उत्तर: Council for Advancement of People’s Action and Rural Technology, मुख्यालय-नयी दिल्ली

9. वर्तमान में औद्योगिक श्रमिकों के लिये उपभोक्ता कीमत सूचकांक(CPI) का आधार वर्ष क्या है ?
उत्तर: 1982

10. सूखा आंशकित क्षेत्र कार्यक्रम’(DPAP) की वित्त व्यवस्था केंद्र तथा तत्समबंधित राज्य द्वारा किस अनुपात में की जाती है ?
उत्तर: 75:25

A solved Paper of Compitative exam

Ashish Saklecha — Thu, 22 Sep 2011 05:32:27 +0000

1) In the Union Budget 2011-12, Finance Minister Pranab Mukherjee proposed to increase the Income Tax Exemption Limit for individual tax payers from Rs 1 lakh 60 thousand to _?
a.1 lakh 80 thousand
b.1 lakh 90 thousand
c. 2 lakh
d.2 lakh 20 thousand
2) A team from Dalhousie University in Halifax, Canada, discovered that a green alga invades tiny developing salamander embryos. What is this phenomenon called?
a)Symbiosis
b)Photosynthesis
c) Ecdysis
d) Aestivation
3) Which of the following Bollywood Actress won the Best Actress trophy at the 13th London Asian Film Festival for her performance in Onir’s I AM?
a.Nandita Das
b.Juhi Chawla
c.Tabu
d.Konkona Sen Sharma
4) Noted Social worker Anna Hazare on 5 April 2011 started his hunger strike at Jantar Mantar in New Delhi to protest against the reported delay in bringing in which of the following bills to effectively deal with corruption?
a. Lokpal Bill
b. The Competition (Amendment) Bill
c. The Airports Economic Regulatory Authority of India Bill
d. The Appropriation (No.3 ) Bill
5) Who won the National Jute Board-Kolkata international squash at Calcutta Racket Club on 3 April 2011 after defeating Omar Mosaad?
a.Karim Darwish
b.Khawaja Adil Maqbool
c. Ritwik Bhattacharya
d. Peter Nicol
6) Read the following statements:
1.He won the ATP Miami Masters crown by defeating Nadal and thus remained unbeaten in 2011.
2.He captured all four titles- the Australian Open, Dubai, elite Masters titles at Indian Wells and Miami in 2011.
3.He had won his first Miami Masters title in 2007.
4.He joined Roger Federer, Andre Agassi and Pete Sampras as the only players to win the Australian Open, Indian Wells and Miami in the same year.Identify the tennis player being referred to.
a.Novak Djokovic
b.Roger Federer
c. Andy Murray
d.Rafael Nadal

7) At the National Conference on Kharif Strategies, Agriculture Minister Sharad Pawar on 6 April 2011 mentioned that India has achieved an all-time high production of foodgrains. What was the estimation regarding foodgain production in 2010-11?
a.235.88 million tonnes
b.215 million tonnes
c. 261.34 million tonnes
d. 222.66 million tonnes

Which of the following steel plants in India achieved record production of 5.71 million tonnes (mt) of hot metal (a 6.3 per cent growth over 2009-10), 5.33 mt of crude steel (4.3 per cent) and 4.57 mt of saleable steel (4.3 per cent)?
a.Bhillai Steel Plant
b.Rourkela Steel Plant
c. Bokaro Steel Plant
d.Salem Steel Plant
9) The Department of Information Technology (DIT) on 5 April 2011 published a draft policy on which of the following to enable the government departments to provide services, including payment of utility bills and filing of tax with the use of a medium?
a.Mobile governance
b.E-governance
c. Service Delivery Gateway
d.Applications Inter-operability
10) Which of the following was not proposed in the Union Budget 2011-12 presented by pranab Mukherjee?
1.Special vehicles were proposed to be created in the form of Infrastructure Debt Funds to attract foreign funds.
2.Rs. 300 crore expenditure was proposed to promote horticulture centres in rain fed areas for increasing crop productivity.
3.For the manufacturing sector, the budget proposed reduction of basic customs duty on raw silk from 30 to 5 per cent.
4.Concessional 10 per cent Excise Duty was also proposed for fuel cell or Hydrogen cell-technology-based vehicles.
a.1 & 3
b.Only 2
c.Only 4
d.3 & 4
11) Sectors Budgetary Allocations
1.Agriculture & Allied Activities A. Rs 14362 crore
2.Rural Development B. Rs 38852 crore
3.Defence Sector C. Rs 55438 crore
4.Industries & Minerals D. Rs 164415 crore
A B C D
a.1 4 2 3
b.2 1 3 4
c. 3 1 4 2
d.4 2 3 1
12) In the Budget it was proposed to provide sum of money for implementation of vegetable initiative to set in motion a virtuous cycle of higher production and incomes for the farmers. What was the proposed amount?
a.Rs 500 crore
b.Rs 300 crore
c. Rs 10000 crore
d. Rs 650 crore
13) According to an extensive genetic study on modern humans, two conclusions were drawn out.
i) There is an enormous amount of diversity in the African hunter-gatherer populations.
ii) The genetic diversity among 27 present-day African populations originated in southern Africa and progressed to northern Africa.
Which of the above statements is/are correct?
a) Both i and ii
b) Neither I and ii
c) Only i
d) Only ii
14) A massive Tsunami caused by a devastating earthquake of the 8.9 magnitude hit about 400 km north-east of Tokyo, capital of Japan. Consider the following statements regarding Tsunami.
i) A Tsunami is a series of ocean waves that sends surges of water, reaching heights of over 100 feet onto land.
ii) Most tsunamis, about 80 percent, happen within the Pacific Ocean’s Ring of Fire, a geologically active area where tectonic shifts make earthquakes and volcanoes common.
Which of the above statements is/are correct?
a) Both i and ii
b) Only i
c) Only ii
d) Neither i nor ii
15) Which one of the following Indian states recently released a Braille version of the RTI (Right to Information) Act and its rules for the benefit of visually challenged?
a) Gujarat
b) Bihar
c) Haryana
d) Madhya Pradesh
16)Engineering and construction major L&T announced that it has achieved financial closure for which of the following with the help of 10-bank consortium led by SBI pitching in with Rs 11478 crore debt?
a.Kolkata Metro Rail Project
b.Pune Metro Project
c.Delhi Metro project
d.Hyderabad Metro Rail project
17) Indian cricket captain Mahendra Singh Dhoni was offered and accepted the honour of being chosen to get an honorary commission in which of the following?
a.Indian Navy
b.Territorial Army
c. Indian Air Force
d. Indian Para-military Force
18) Which of the following real estate firms on 5 April 2011 announced a gift in the shape of villas worth Rs. 9 crore to skipper M.S. Dhoni and his teammates following their victory in the World Cup 2011?
a.DLF
b.Amrapali
c. Unitech
d.Tata Construction & Projects Ltd
19) Roger Federer won his fourth Australian Open Tennis Championship and 16th Grand Slam on 31 Jan 2010. Who did he defeat in the final of the Australian Open 2010?
a. Rafael Nadal
b. Andy Murray
c. Fred Perry
d. Rod Laver
20) Rashtriya Swasthya Bima Yojana was proposed to be being extended to the beneficiaries of which of the following Union Government schemes?
a.Mahatma Gandhi NREGA beneficiaries
b.Beneficiaries of Swavlamban pension scheme
c.Indira Gandhi National old Age Pension scheme beneficiaries
d.Beneficiaries of Rajiv Gandhi Grameen Vidyutikaran Yojana
21) Which of the following companies announced their alliance with Chennai Super Kings as the official team partner for the upcoming IPL Season 4?
a. ONGC
b. Indian Oil Corporation
c. Hindusthan Petroleum
d. Gulf Oil Corporation
22) Scientists have identified five genes which raise the risk of Alzheimer’s disease. Consider the following statements regarding Alzheimer’s disease.
i) Alzheimer’s disease is the most common form of Dementia.
ii) Problems that happen due to the Alzheimer’s are personality-disorder, decision making, abstract thinking and loss of initiative.
Which of the above statements is/are correct?
a) Only i
b) Only ii
c) Both i and ii
d) Neither i nor ii
23) A giant predatory theropod dinosaur, similar in stature and size to Tyrannosaurus rex, has been identified by palaeontologists. Which of the following statements is/are correct?
i) The new dinosaur, named Zhuchengtyrannus magnus, probably stood four metres tall, was 11 metres long and weighed around six tonnes.
ii) Like T. rex, it was a carnivore with huge powerful jaws.
iii) It ran on back legs, with small front limbs.
a) Only i and ii
b) Only i and iii
c) Only ii and iii
d) All i, ii and iii are correct

24) Solvay, the Belgian soda ash maker which sold a drugs unit a year ago, agreed to buy which of the following French companies to add specialty chemicals spanning ingredients for moisturisers and car-part polymers?
a.Rhodia
b.Danisco
c.Cognis
d.Le Zèbre
25) Gilead Sciences, a California based bio-pharmaceutical research firm, and its patent partner, Roche Holding AG, have sued which of the following Indian generic drug makers in March 2011 for allegedly infringing a US patent for Tamiflu, a drug used in treatment of bird and swine-flu infections?
a.Dr Reddy’s
b.Natco Pharma
c. Ranbaxy Laboratories
d. GlaxoSmithKline
26) AT&T on Sunday announced that it had agreed to buy T-Mobile USA from which of the following telecom companies for $39 billion?
a.Deutsche Telekom
b.Sprint Nextel
c.Verizon Wireless
d.Comcast

27) What is the prize-money of the golf tournament ‘Avantha Masters’ that began on 11 Feb 2010?
a. €1.5 million
b. €1 million
c. €2.5 million
d. €2 million
28) An international team of scientists, led by the Australian National University recently discovered evidence that the body’s immune cells often share information about foreign substances with each other to ward of invaders. The study can help increase the immunity level in human body against pathogens and cancer. Which of the followings are the symptoms of Cancer?
i) Weight Loss
ii) Excessive Sweating
iii) Lumps and Swelling (tumour)
iv) Enlargement of Spleen
Please choose the correct option:
a) i, ii, iii and iv
b) i and ii only
c) i, ii and iii
d) only i

29) Which of the following companies in April 2011 filed a petition in the Supreme Court to block penal action initiated by the Income Tax authorities on its contested $2.5-billion tax bill?
a. Vodafone International
b. Bharti Airtel
c. Uninor
d. Tata Teleservices
30) Vivendi agreed to buy Vodafone Group’s 44% stake in which of the French mobile-phone operator’s for euro 7.95 billion ($11.3 billion) to win full control of its largest unit and secure more stable earnings?
a.T-Mobile
b.Orange
c. Virgin Mobile
d. SFR
31) A consortium comprising two companies acquired the IPL’s global Internet, mobile and audio rights, along with television rights in specific territories outside India, for the next four years. The consortium bagged the rights with a winning bid of Rs 261.6 crore in Chennai on 20 March 2011. Which are the two companies included in the consortium?
a. TIL & Nimbus Communication
b. Reliance Big Pictures & Zoom
c. TIL & Colors
d. Zoom and UTV Motion Pictures
32) Which chess player won his maiden Grand Master norm in the Chennai Open 2010 International Grand Master chess tournament on 1 Feb 2010?
a. R. Siddharth of Chennai
b. Kravtsiv of Ukraine
c. P. Shyam Nikhil of Tamil Nadu
d. Maxim Turov of Russia
33) Who was appointed member of ICC Cricket Committee as a representative of national coaches on 11 Feb 2010?
a. Gary Kirsten
b. Mark Taylor
c. Kumar Sangakkara
d. Tim May
34) At the European Geosciences Union meeting in Vienna, the scientists calculated that the Earth sees about __ thunderstorms every hour.
a) 670
b) 580
c) 760
d) 960
35) HCL Technologies on Thursday announced the expansion of its Smart Grid partner ecosystem by entering into strategic alliances with two data management software firms focused on the smart grid market. Which are the two firms with which HCL has entered into an alliance?
1. Infosys
2. eMeter
3. Cape Gemini
4. Tridium
a. 1 & 2
b. 2 & 3
c. 2 & 4
d. 1 & 4
36) The Gujarat Government banned controversial book, entitled Great Soul: Mahatma Gandhi and his struggle with India. Who is the author of the book?
a) Joseph Lelyveld
b) Joseph Ponting
c) Hugh Grant
d) Vikram Seth
37) Which one of the following states imposed a blanket ban on plastic bags?
a) Delhi
b) Haryana
c) Himachal Pradesh
d)Tamil Nadu
38) Who is the Chairperson of the Central Board Film Certification?
a) Sharmila Tagore
b) Karan Johar
c) Nafisa Ali
d) Om Puri
e) None of these
39) Ali Akbar Salehi is the foreign minister of
a) Israel
b) Iran
c) Afghanistan
d) Indonesia
40) Who is the new chief of Research and Analysis Wing (RAW)?
a) AP Singh
b) Arun Shourie
c) Sanjeev Tripathi
d) BK Gupta
41) When is the National Youth Day observed?
a) January 14
b) February 14
c) August 31
d) January 12
42) What is Tejas?
A) Spacecraft
B) Missile
C) Submarine
D) Light combat aircraft
43) Who became the world number one badminton player?
a) Saina Nehwal
b) Wang Xin
c) Sania Mirza
d) Wang Shixian
44) Name the cricketer who beat Michael Clarke by a comfortable 15-vote margin to bag the Allan Border Medal besides being named Australia’s ODI Player of the Year in Feb 2010?
a. Shane Watson
b. Simon Katich
c. Mitchell Johnson
d. Sachin Tendulkar

45) In India’s first sale of rupee perpetual bonds by a non-finance company Rs 1500 crore ($332 million) was raised. Name the non-finance company.
a.Tata Steel
b.Pantallons Retail
c. RIL
d.Maruti Suzuki
46) With his victory in the men’s large hill ski jump on 20 Feb 2010 at the Vancouver Olympics, he became the first person to win four individual gold ski jumping medals. Name this sportsperson.
a. Simon Ammann (Switzerland)
b. Ahonen Janne (Finland)
c. Alexander Nicholas (USA)
d. Bardal Anders (Norway)

47) The Indian Government in April 2011 issued a notice to which of the following companies to terminate licences for Kerala, West Bengal and Assam for delay in roll- out of services in these three circles?
a.Sistema Shyam Teleservices
b.Tata Teleservices
c. Reliance
d. BSNL
48) Open market operations, one of the measures taken by RBI in order to control credit expansion in the economy means —
(A) Sale or purchase of Govt. securities
(B) Issuance of different types of bonds
(C) Auction of gold
(D) To make available direct finance to borrowers
(E) None of these
49) Capital Market Regulator is—
(A) RBI
(B) IRDA
(C) NSE
(D) BSE
(E) SEBI
50) As we all know Govt. of India collects tax revenue on various activities in the country. Which of the following is a part of the tax revenue of the Govt.?
(i) Tax on Income
(ii) Tax on Expenditure
(iii) Tax on Property or Capital Asset
(iv) Tax on Goods and Services
(A) Both (i) and (iii) only
(B) Both (ii) and (iv) only
(C) All (i), (ii), (iii) and (iv)
(D) Only (ii), (iii) and (iv)
(E) None of these
ANSWERS:
1) A 2) A 3) B 4) A 5) A 6) A 7) A A 9) A 10) B 11) A 12) B 13) A 14) A 15) A 16) D 17) B 18) B 19) B 20) A 21) D 22) C 23) D 24) A 25) B 26) A 27) A 28) A 29) A 30) D 31) A 32) A 33) A34) C 35) C 36) A 37) A 38) A 39) B 40) C 41) D 42) D 43) B 44) A 45) A 46) A 47) A 48) A 49) E 50) C

New Section
1. Which period is called the ‘banking swadeshi’ period when many Indians established many banks?
1)1870-1940
2)1910-1947
3)1906-1911
4)1947-1991
5)1942-1947
2. The banks established in Swadeshi period are …………?
1) Bank of India
2) Corporation bank
3) Indian Bank
4) Bank of Baroda
5) All of the above
3. In which part of India, many banks are established, which is called the ‘Cradle of Indian Banking System’?
1) Northern Assam
2) Southern Tamilnadu
3) Eastern Rajasthan
4) Southern Karnataka
5) Western Maharastra
4. The most banks in India failed between ………… Not less than 100 banks failed due to various reasons?
1) 1923-1928
2) 1953-1958
3) 1923-1948
4) 1903-1928
5) 1913-1918
5. Which party issued a paper by name ‘Stray thoughts on Bank Nationalization’ signaling the nationalization of banks in India?
1) Communist Party of India
2) Janatha Party
3) Congress Party
4) Republican Party
5) National Conference
6. Banking Companies (Acquisition and Transfer of Undertaking) Bill passed in ……………paving way to the nationalization of banks in India?
1) 1974
2) 1969
3) 1975
4) 1981
5) 1961
7. Who said the nationalization of banks is the ‘masterstroke of political sagacity’?
1) Indira Gandhi
2) Raj Narayan
3) Jayaprakash Narayan
4) Jawahar Lal Nehru
5) Atal Bihari Vajpayee
8. How many banks were nationalized in 1969?
1) 18
2) 6
3) 14
4) 20
5) 5
9. Which bank was not nationalized in 1969?
1) Allahabad Bank
2) Bank of Baroda
3) State Bank of India
4) Bank of India
5) Bank of Maharastra
10. How many banks were nationalized as a second dose in 1980?
1) 4
2) 9
3) 6
4) 18
5) 12
11. Bad debts mean …………?
1) amounts owed to a company that are going to be paid
2) amounts owed to a company that are not going to be paid
3) amounts owed to a company that are going to be paid within 2 years
4) amounts owed to a company that are not going to be paid within 8 years
5) None
12. GST council (Goods and Services Taxes Council) in the Constitution 115th Amendment Bill headed by ………… to make recommendations the taxes to be levied, goods to be exempted, GST rate etc?
1) Prime Minister
2) Finance Minister
3) Commerce Minister
4) Revenue Minister
5) Finance Secretary
13. The current limit of External borrowings is $ 20 billion. This Current limit is now raised to $ ………… billion?
1) 21
2) 40
3) 70
4) 60
5) 30
14. …………is not the provision of the National Land Acquisition and Rehabilitation & Resettlement Bill?
1) In the given area, least 80% of the population must agree to acquisition of land by the government.
2) Land owners to be compensated with twice the registered or stamp value of the land in urban areas and six times in rural areas.
3) Single law has the provisions of Acquisition of land and rehabilitation
4) The government can appoint middle man to have talks with the local population to decrease the compensation
5) Compensation reflects the market rates
15. Food Security Bill proposed by National Advisory Council (NAC) proposes 90% ration in Rural Areas and …………% ration in Urban Areas. (National Advisory Council headed by Sonia Gandhi)
1) 50
2) 70
3) 100
4) 90
5) 25
16. The Union government decisions are given. Pick the correct one?
1) National Legal Aid and Reforms commiscommission coming soon
2) Supreme Court ordered the return of 156 hectares of land to farmers in Uttar Pradesh, allocated to construct posh buildings.
3) The postal department issues postal stamps on President of India’s house Rastrapathi Bhavan
4) Five PIO ( Person of India Origin) universities will be set up in the future.
5) All of above
17. Project ‘Surakhya’ an Infant and Young Child Feeding (IYCF) introduced by …………?
1) Odisha
2) Chattisgarh
3) Arunachal Pradesh
4) Madhya Pradesh
5) Goa
18. ‘Nanhe Haath Kalam Ke Saath’ ( tiny hands with pen) phase II announced against the social evil of Child Labour by …………?
1) Karnataka
2) Andhra Pradesh
3) Uttar Pradesh
4) Rajasthan
5) Goa
19. SAARC Interior Ministers conference was recently held in …………?
1) Sri Lanka
2) India
3) Afganistan
4) Bhutan
5) Nepal
20. Mahatma Gandhi led ………….listed in the top ten of the most influential protests in the world as mentioned by ‘Time magazine’?
1) Non-cooperation Movement
2) Swadeshi Movement
3) Salt Satyagraha
4) Quit India Movement
5) Champaran Satyagraha
21. A person who expects share prices in general to decline and who is likely to indulge in SHORT SALES is called …………?
1) Bear
2) Bull
3) Dog
4) Duck
5) Lame Duck
22. ………… was re elected as the UN Secretary General?
1) Irina Bocova
2) Robert Zollick
3) Ban Ki-moon
4) Hillay Clinton
5) Christine Legarde
23. Meghdoot awards conferred by …………?
1) Air India
2) Department of Water Resources
3) Postal Department
4) Department of Communications
5) Supreme Court
24. ‘Areva’ a French company belongs to following sector?
1) Nuclear
2) Toy
3) Auto makers
4) Mobiles
5) Book
25. In the list of nationalized banks, which bank was merged with Punjab National Bank in 1993?
1) Bank of India
2) Bank of Baroda
3) Andhra Bank
4) New Bank of India
5) Central Bank of India
26. …………was the prime minister of India during the nationalization of banks in 1969 and in 1980?
1) Jawahar Lal Nehru
2) Lal Bahadur Sastri
3) Indira Gandhi
4) Morarji Desaii
5) P.V.Narasimha Rao
27. Who among the following is not the present Deputy Governor of Reserve Bank of India?
1) K.C.Chakravarthy
2) Subhir Gokarn
3) Y.Malegam
4) Anand Sinha
5) H. R.khan
28. On 3 August 2011, ……….. panel submitted its report to Reserve Bank of India on ‘customer service in banks’
1) Rangarajan
2) Malegam
3) Subba Rao
4) H.R.Khan
5) Damodaran
29. …………firmly tell many rules and regulations relating to Non-Performing Assets?
1) Banking Regulation Act 1949
2) Foreign Exchange Management Act 1999
3) SEBI Act 1992
4) Indian Contract Act 1872
5) Negotiable instrument act 1881
30. On 30 June 2011 …………liberalized FDI norms by allowing the Indian companies to pay in the form of Equity in to the foreign suppliers instead of payment in the form of foreign exchange?
1) SEBI
2) Ministry of Finance
3) Ministry of Commerce
4) FDA
5) RBI
31. …………tied up with Met Life to enter in to insurance business recently?
1) Andhra Bank
2) Union Bank of India
3) Corporation bank
4) Allahabad Bank
5) Punjab National Bank
32. …………started, the saga of Liberlization of banks as a prime minister?
1) Indira Gandhi
2) Nehru
3) Lal Bahadur Sastri
4) P.V.Narasimha Rao
5) Atal Bihari Vajpayee
33. Which committee suggested the banking reforms?
1) Kalia
2) Deepak Mohanty
3) Narasimham
4) Syamala Gopinath
5) Goparia
34. The decade 1990-2000 is the era of Techsavvy private banks. Which are established during this period?
1) Global Trust Bank
2) UTI bank
3) ICICI
4) HDFC
5) All of above
35. Global Trust Bank was merged with ……..?
1) HDFC
2) Oriental Bank of Commerce
3) State Bank of India
4) Syndicate Bank
5) IDBI
36. …………was merged with HDFC bank?
1) Bank of Rajasthan
2) Global Trust Bank
3) Centurion Bank
4) Bank of Bombay
5) Imperial Bank of India
37. …………has offered to India a loan of Rs.6,800 crore for building 24,000 km of all weather roads in the rural seven economically poor and hilly areas States
1) IMF
2) IFC
3) World Bank
4) IDA
5) ADB
38. India’s first indigenous payment gateway is …………?
1) India Expenditure
2) India Payment
3) India Challan
4) India Pay
5) India Rupee
39. …………opened a Lockless branch at Shani Shingnapur (Maharastra) respecting the local customs?
1) State Bank of India
2) Bank of Maharastra
3) Union Bank of India 4) ICICI
5) UCO bank
40. …………and Life Insurance Corporation of India( LIC) tie up to launch Credit-Card services to the customers and employees of LIC?
1) Axis Bank
2) ICICI
3) State Bank of India
4) HDFC
5) Kotak Mahendra Bank
41. Tehri Hydro Development Corporation got $ 648 million from …………?
1) IMF
2) IDA
3) ADB
4) AFD
5) IBRD
42. On 10 August 2011, in which state National Bank for Agriculture and Rural Development (NABARD) proposed to give huge loans in the endosulfan-hit areas?
1) Odisha
2) Andhra Pradesh
3) Uttar Pradesh
4) West Bengal
5) Kerala
43. The best alternative banking service to branch banking to be the part of Financial Inclusion?
1) Establishment of small branches
2) Setup ATMs
3) Issuing of ATM cards
4) Giving Credit Cards
5) Mobile banking
44. Giving focused attention to integrated development of infrastructure in selected cities is the main theme of …………scheme?
1) PURA
2) JNNURM
3) MGNREGA
4) IAY
5) RAY
45. ………..became first state to sign an agreement on Emission Reduction Purchase with the World Bank to curb the carbon emissions?
1) Andhra Pradesh
2) Himachal Pradesh
3) Haryana
4) Goa
5) Maharashtra
46. MENA (Middle East and North Africa) region is the familiar for ………… industry?
1) Toy
2) Leather
3) Petroleum
4) Cotton
5) Fruits
47. The Award list given. Pick the correct one?
1) 12th IIFA (International Indian Film Academy) top awards announced in Toranto
2) Life Achievement Award got by Asha Bhonsle
3) Best film award got by Dabangg
4) Best Actor Award got by Shahrukh Khan
5) All of above
48. Guido Mantega used the word ‘Currency War’ referring …………?
1) India
2) China
3) New Zeland
4) Russia
5) USA
ANSWERS
1)3 2)5 3)4 4)5 5)3 6)2 7)3 8)3 9)3 10)3
11)2 12)2 13)5 14)4 15)1 16)5 17)1 18)4
19)4 20)3 21)1 22)3 23)3 24)1 25)4 26)3
27)3 28)5 29)1 30)5 31)5 32)4 33)3 34)5
35)2 36)3 37)3 38)4 39)5 40)1 41)5 42)5
43)5 44)2 45)2 46)3 47)5 48)2.

Credit Policy of Reserve Bank of India

Ashish Saklecha — Tue, 03 May 2011 03:35:19 +0000

The Reserve Bank of India would be well advised and would do well to see that primarily it is only an increase in the housing stock which can lead to moderation of prices; nothing else will lead to moderation in prices. If by raising the cost of money, raising interest rates by making EMIs more expensive, if anyone thinks in the medium to long-term, there is going to be a moderating effect on prices, I think basic economics will rule that those are mistaken myths.

‘A hawkish stance by way of a higher increase in rates will have a negative impact on manufacturing’

Ahead of the annual credit and monetary policy announcement on May 3, Reserve Bank of India Governor D. Subbarao on Friday held a customary meeting with Finance Minister Pranab Mukherjee to exchange views on the state of the economy and the government’s perception of the emerging macro-economic scenario during the course of the current fiscal.

“As a standard practice, I had come to review the macro-economic situation with Finance Minister and senior officers ahead of the policy review,” Dr. Subbarao told the media after his meeting with Mr. Mukherjee. Asked if the ongoing bout of high inflation would impact overall growth, he said: “We will answer these questions on May 3.”

With the prime concern of authorities being the urgent need to rein in inflation without unduly hurting the growth momentum, the general expectation is that the RBI would settle for yet another hike in its short-term lending (repo) and borrowing (reverse repo) rates by 25 basis points each.

In fact, so sanguine are economic analysts and bankers that the stock market has already factored in hikes in the apex bank’s key policy rates by that margin.

In its bid to contain the price spiral, the RBI till date has already raised the repo and reverse repo rates eight times since March 2010 to 6.75 per cent and 5.75 per cent, respectively.

On the ground, however, even as these measures have largely failed to douse inflationary expectations, analysts feel that a hawkish stance by way of a higher increase of about 50 basis points would have a negative impact on manufacturing at a time when industrial growth has started showing signs of deceleration. Headline inflation in March, as per the wholesale price index (WPI), surged to 8.98 per cent — way above the comfort zone of 5-6 per cent and much higher than even the RBI’s scaled-up projection of 8 per cent for 2010-11. Alongside, factory output, as measured by the Index of Industrial Production (IIP), decelerated to 3.6 per cent in February as compared to a robust expansion of 15.1 per cent posted in the same month last year.

If you are not getting the amount from the ATM then what would u do?

Ashish Saklecha — Sat, 23 Apr 2011 07:15:16 +0000

If you are not getting the amount from the ATM then what would u do? Here is your solution

Bank complaints

- First you must undergo the Branch complaint, which is your account. The ATM you’re out of money, his nearest branch can be made in the complaint in this regard. After filing his complaint must keep a copy to yourself. – Many banks also have ATM telephone, which you direct the bank’s call center by calling Jurkara money may not get reported.

- To notify the bank within 30 days is no action on your complaint and get your money back if you file a complaint in RBI and banking Ombdsaman can. Please follow this link forhttp://secweb.rbi.org.in/bo/compltindex.htm

What is the rule ?

In view of these complaints to banks last week the central bank RBI was Dirersh money stuck in the ATM customer complaints within 12 days of filing must be found. If a bank within 12 days of customer money involved in such an ATM if not then it will give a fine of Rs 100 per daily.

Not amount to get evidence

Bank at the end of each day of that reckoning that many notes and money had been put ATMs in the morning, that day sucked and how much money receipts were issued. Banks, the reckoning has come to know during that really has not amount to a customer. Also involved are cameras in every bank ATM. If a cache has been found after the transaction, it will record everything in the camera and the bank will get the right information to its employees.

What is CLR,CRR,Repo rate, Reverse Repo rate?

Ashish Saklecha — Tue, 15 Mar 2011 03:23:30 +0000

Q. What is Bank rate?

Bank Rate is the rate at which central bank of the country (in India it is RBI) allows finance to commercial banks. Bank Rate is a tool, which central bank uses for short-term purposes. Any upward revision in Bank Rate by central bank is an indication that banks should also increase deposit rates as well as Prime Lending Rate. This any revision in the Bank rate indicates could mean more or less interest on your deposits and also an increase or decrease in your EMI.

Q. What is Bank Rate? (For Non Bankers) :

This is the rate at which central bank (RBI) lends money to other banks or financial institutions. If the bank rate goes up, long-term interest rates also tend to move up, and vice-versa. Thus, it can said that in case bank rate is hiked, in all likelihood banks will hikes their own lending rates to ensure and they continue to make a profit.

Q. What is CRR?

The Reserve Bank of India (Amendment) Bill, 2006 has been enacted and has come into force with its gazette notification. Consequent upon amendment to sub-Section 42(1), the Reserve Bank, having regard to the needs have securing the monetary stability in the country, can prescribe Cash Reserve Ratio (CRR) for scheduled banks without any floor rate or ceiling rate. [Before the enactment of this amendment, in terms of Section 42(1) of the RBI Act, the Reserve Bank could prescribe CRR for scheduled banks between 3 per cent and 20 per cent of total of their demand and time liabilities].RBI uses CRR either to drain excess liquidity or to release funds needed for the economy from time to time. Increase in CRR means that banks have less funds available and money is sucked out of circulation. Thus we can say that this serves duel purposes i.e. it not only ensures that a portion of bank deposits is totally risk-free, but also enables RBI to control liquidity in the system, and thereby, inflation by tying the hands of the banks in lending money.

Q. What is CRR (For Non Bankers) :

CRR means Cash Reserve Ratio. Banks in India are required to hold a certain proportion of their deposits in the form of cash. However, actually Banks don’t hold these as cash with themselves, but deposit such case with Reserve Bank of India (RBI) / currency chests, which is considered as equivalent to holding cash with themselves.. This minimum ratio (that is the part of the total deposits to be held as cash) is stipulated by the RBI and is known as the CRR or Cash Reserve Ratio. Thus, when a bank’s deposits increase by Rs100, and if the cash reserve ratio is 9%, the banks will have to hold additional Rs 9 with RBI and Bank will be able to use only Rs 91 for investments and lending / credit purpose. Therefore, higher the ratio (i.e. CRR), the lower is the amount that banks will be able to use for lending and investment. This power of RBI to reduce the lendable amount by increasing the CRR makes it an instrument in the hands of a central bank through which it can control the amount that banks lend. Thus, it is a tool used by RBI to control liquidity in the banking system.

Q. What is SLR?

Every bank is required to maintain at the close of business every day, a minimum proportion of their Net Demand and Time Liabilities as liquid assets in the form of cash, gold and un-encumbered approved securities. The ratio of liquid assets to demand and time liabilities is known as Statutory Liquidity Ratio (SLR). Present SLR is 24%. (Reduced i.e. 8/11/208, from earlier 25%) RBI is empowered to increase this ratio up to 40%. An increase in SLR also restricts the bank’s leverage position to pump more money into the economy.

Q. What is SLR? (For Non Bankers) :

SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities. Thus, we can say that it is ratio of cash and some other approved to liabilities (deposits) It regulates the credit growth in India.

Q. What is Repo rate and Reverse Repo rate?

Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks. When the repo rate increases borrowing from RBI becomes more expensive. Therefore, we can say that in case, RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate; similarly, if it wants to make it cheaper for banks to borrow money, it reduces the repo rate

Reverse Repo rate is the rate at which banks park their short-term excess liquidity with the RBI. The RBI uses this tool when it feels there is too much money floating in the banking system. An increase in the reverse repo rate means that the RBI will borrow money from the banks at a higher rate of interest. As a result, banks would prefer to keep their money with the RBI

Liquidity Management in Banks: The Cash Flow Approach

Ashish Saklecha — Tue, 01 Mar 2011 18:45:17 +0000

Measuring and managing the liquidity needs are vital for effective operation of commercial banks. By assuring a bank’s ability to meet its liabilities as they become due, liquidity management can reduce the probability of an adverse situation developing. The importance of liquidity transcends individual institutions, as liquidity shortfall in one institution can have repercussions on the entire system. Bank managements should measure, not only the liquidity positions of banks on an ongoing basis, but also examine how liquidity requirements are likely to evolve under different conditions.

Banks are in the business of maturity transformation. They lend for longer time periods, as borrowers normally prefer a longer time frame. But their liabilities are typically short term in nature, as lenders normally prefer a shorter time frame (liquidity preference). This results in long-term interest rates typically exceeding short-term rates. Hence, the incentive for banks for performing the function of financial intermediation is the difference between interest receipt and interest cost which is called the interest spread. It is implicit, therefore, that banks will have a mismatched balance sheet, with liabilities greater than assets in short term, and with assets greater than liabilities in the medium and long term. These mismatches, which represent liquidity risk, are with respect to various time horizons. Hence, the overwhelming concern of a bank is to maintain adequate liquidity.

Liquidity has been defined as the ability of an institution to replace liability run off and fund asset growth promptly and at a reasonable price. Maintenance of superfluous liquidity will, however, impact profitability adversely. It can also be defined as the comprehensive ability of a bank to meet liabilities exactly when they fall due or when depositors want their money back. This is a heart of the banking operations and distinguishes a bank from other entities.

Objectives and Methodology of the Study

Though Basel Capital Accord and subsequent RBI guidelines have given a structure for Liquidity Management and Asset Liability Management (ALM) in banks, the Indian banking system has not enforced the guidelines in total. The banks have formed Asset-Liability Committees (ALCO) as per the guidelines; but these committees rarely meet to take decisions.

Taking this as a base, this research article attempts to find out the status of Liquidity Management in State Bank of India with the help of “Cash Flow Approach” methodology for controlling liquidity risk. To achieve the main purpose, the following objectives are set forth:

To identify the liquidity risks faced by the banks.
Classification of assets and liabilities into different time buckets as per RBI guidelines issued for liquidity management in banks.
Analysis of liquidity risk through Cash Flow Approach Method.

The study covers SBI’s data for evaluation. The relevant data have been collected from the published annual report of the bank for the period from 2000 to 2007.

In order to have effective liquidity management, bank need to undertake periodic funds flow projections, taking into account movements in non-treasury assets and liabilities [fresh deposits, maturing deposits (and maturing) and new term loans]. This enables forward planning for Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) maintenance.

Cash Reserve Ratio

A scheduled bank is under the obligation to keep a cash reserve called the Statutory Cash Reserve, with the Reserve Bank of India (RBI) under Section 42 of the Reserve Bank of India Act, 1934. Every scheduled bank is required to maintain with the Reserve Bank an average daily balance equal to least 3% of its net demand and time liabilities. Average daily balances mean the average of balances held at the close of business on each day of the fortnight. The Reserve Bank is empowered to increase the rate of Statutory Cash Reserve from 3% to 20% of the Net Demand and Time Liabilities (NDTL). The rate of CRR in March 2007 was 6%.

Liabilities of a Scheduled bank exclude:

Its paid-up capital and reserves
Loans taken from the RBI or IDBI or NABARD
The aggregate of the liabilities of a scheduled commercial bank to the State Bank or its subsidiary bank, any nationalized bank or a banking company or a cooperative bank or any financial institution notified by the Central Government in this behalf shall be reduced by the aggregate of the liabilities of all such banks and institutions to the concerned scheduled bank.

SBI act Changes

Ashish Saklecha — Wed, 23 Feb 2011 03:34:15 +0000

The Parliament committee submitted its finance tables report on the SBI Amendments Bill 2009 today. In its report the committee slammed the government on the State Bank of India Act changes. The committee report states that the government needs to review its policy of merging subsidiaries with SBI and there were issues related to managing large sized banks.

State Bank of Indore and State Bank of Saurashtra have already been merged with State Bank of India. Other SBI subsidiaries include State Bank Of Hyderabad, State Bank of Mysore and State Bank of Patiala.

Many provisions of the SBI Act of 2007 amendment were not implemented, the report said.

The reports also suggested that there was ambivalence in approach to merger and consolidation of public sector banks and there urgent need to analyse issues related to merger of PSBs. The report also stated that the government needed to assess the rising non performing assets of SBI group banks. The SBI Amendment Bill was introduced in December 2010.

Reasoning Solved Paper 2009 SBI Clerk Exam

Pratik Chourdia — Mon, 29 Mar 2010 15:02:03 +0000

1. If it is possible to make only one meaningful word with the Third,

Seventh, Eighth and Tenth letters of the word COMPATIBILITY, which of the

following would be the last letter of that word ? If no such word can be

made, give ‘X’ as your answer and if more than one such word can be formed,

give your answer as ‘Y’.

(A) I

(B) B

(D) X

(E) Y

Ans : (B)

2. Four of the following five are alike in a certain way and so form a

group. Which is the one that does not belong to that group ?

(A) Stem

(B) Tree

(D) Branch
(E) Leaf

Ans : (B)

3. How many meaningful three letter English words can be formed with the

letters AER, using each letter only once in each word ?

(A) None

(B) One

(D) Three

(E) Four

Ans : (D)

4. In a certain code FINE is written HGPC.

How is SLIT written in that code ?

(A) UTGR

(B) UTKR

(D) RUGT

(E) None of these
Ans : (E)

5. If ‘Apple’ is called ‘Orange’, ‘Orange’ is called ‘Peach’, ‘Peach’ is

called ‘Potato’, ‘Potato’ is called ‘Banana’, ‘Banana’ is called ‘Papaya’

and ‘Papaya’ is called ‘Guava’, which of the following grows underground ?

(A) Potato

(B) Guava

(D) Banana

(E) None of these

Ans : (D)

6. If the digits in the number 86435192 are arranged in ascending order,

what will be the difference between the digits which are second from the

right and fourth from the left in the new arrangement ?

(A) One

(B) Two

(D) Four
(E) None

Ans : (D)

7. Each vowel of the word ADJECTIVE is substituted with the next letter of

the English alphabetical series, and each consonant is substituted with the

letter preceding it. How many vowels are present in the new arrangement ?

(A) None

(B) One

(D) Three

(E) None of these

Ans : (C)

8. If in a certain language LATE is coded as 8&4$ and HIRE is coded as 7***3$

then how will HAIL be coded in the same language ?

(A) 7&8***

(B) &7***8
(C) 7***&8

(D) 7&***8

(E) None of these

Ans : (D)

9. How many such pairs of letters are there in word ENGLISH, each of which

has as many letters between its two letters as there are between them in the

English alphabets ?

(A) None

(B) One

(D) Three

(E) More than three

Ans : (E)

10. In a certain code ‘na pa ka so’ means ‘birds fly very high’, ‘ri so la

pa’ means ‘birds are very beautiful’ and ‘ti me ka bo’ means ‘the parrots
could fly’. Which of the following is the code for ‘high’ in that language ?

(A) na

(B) ka

(D) so

(E) None of these

Ans : (A)

*Directions*—(Q. 11–15) In each of the questions below are given three

statements followed by two conclusions numbered I and II. You have to take

the given statements to be true even if they seem to be at variance from

commonly known facts. Read both the conclusions and then decide which of the

given conclusions logically follows from the given statements disregarding

commonly known facts.

Read the statements and the conclusions which follow it and

*Give answer—*

(A) if only conclusion I is true.

(B) if only conclusion II is true.
(C) if either conclusion I or conclusion II is true.

(D) if neither conclusion I nor conclusion II is true

(E) if both conclusions I and II are true.

11. *Statements :* All stars are suns.

Some suns are planets.

All planets are satellites.

*Conclusions :*

I. Some satellites are stars.

II. No star is a satellite.

Ans : (C)

12. *Statements :* All fishes are birds.

All birds are rats.

All rats are cows.

*Conclusions :*

I. All birds are cows

II. All rats are fishes

Ans : (A)

13. *Statements :* All curtains are rods.

Some rods are sheets.

Some sheets are pillows.

*Conclusions :

*I. Some pillows are rods.

II. Some rods are curtains.

Ans : (B)

14. *Statements :* Some walls are windows.

Some windows are doors.

All doors are roofs.

*Conclusions :

*I. Some doors are walls.

II. No roof is a window.

Ans : (D)

15. *Statements :* All switches are plugs.

Some plugs are bulbs.

All bulbs are sockets.
*Conclusions :*

I. Some sockets are plugs.

II. Some plugs are switches.

Ans : (E)

*Directions*—(Q. 16–20) Study the sets of numbers given below and answer the

questions, which follow :

489 – 541 – 654 – 953 – 983

16. If in each number, the first and the last digits are interchanged, which

of the following will be the second highest number ?

(A) 489

(B) 541

(D) 953

(E) 783

Ans : (C)

17. If in each number, all the three digits are arranged in ascending order,

which of the following will be the lowest number ?
(A) 489

(B) 541

(D) 953

(E) 783

Ans : (B)

18. Which of the following numbers will be obtained if the first digit of

lowest number is subtracted from the second digit of highest number after

adding one to each of the numbers ?

(A) 1

(B) 2

(D) 4

(E) 5

Ans : (A)

19. If five is subtracted from each of the numbers, which of the following

numbers will be the difference between the second digit of second highest
number and the second digit of the highest number ?

(A) Zero

(B) 3

(D) 4

(E) 2

Ans : (B)

20. If in each number the first and the second digits are interchanged,

which will be the third highest number ?

(A) 489

(B) 541

(D) 953

(E) 783

Ans : (D)

*Directions*—(Q. 21–25) Read the following information carefully and answer

the questions, which follow :
‘A – B’ means ‘A is father of B’

‘A + B’ means ‘A is daughter of B’

‘A ÷ B’ means ‘A is son of B’

‘A × B’ means ‘A is wife of B’

21. Which of the following means P is grandson of S ?

(A) P + Q – S

(B) P ÷ Q × S

(D) P × Q ÷ S

(E) None of these

Ans : (C)

22. How is P related to T in the expression ‘P + S – T’ ?

(A) Sister

(B) Wife

(D) Daughter

(E) None of these
Ans : (A)

23. In the expression ‘P + Q × T’ how is T related to P ?

(A) Mother

(B) Father

(D) Brother

(E) None of these

Ans : (B)

24. Which of the following means T is wife of P ?

(A) P × S ÷ T

(B) P ÷ S × T

(D) P + T ÷ S

(E) None of these

Ans : (E)

25. In the expression ‘P × Q – T’ how is T related to P ?

(A) Daughter
(B) Sister

(D) Can’t be determined

(E) None of these

Ans : (D)

*Directions*—(Q. 26–30) In each of these questions a group of letters is

given followed by four combinations of number/symbol *lettered *(A), (B),

below. You have to find out the serial letter of the combination, which

represents the letter group. Serial letter of that combination is your

answer. If none of the combinations is correct, your answer is (E) i.e. None

of these :

*Letters* *#* Q M S I N G D K A L P R B J E

*Number/ Symbol* *#* 7 @ 4 # % $ 6 1 2 £ 5 * 9 8 3

*Conditions :*
(i) If the first letter is a consonant and the last a vowel, both are to be

coded as the code of the vowel.

(ii) If the first letter is a vowel and the last a consonant, the codes for

the first and the last are to be interchanged.

(iii) If no vowel is present in the group of letters, the second and the

fifth letters are to be coded as ©.

26. BKGQJN

(A) 9©$7©%

(B) ©9$7%©

(D) %1$789

(E) None of these

Ans : (A)

27. IJBRLG

(A) #89*£$

(B) #89*£#

(E) None of these

Ans : (C)

28. BARNIS

(A) 92*#%4

(B) 924#*%

(D) 42*#%4

(E) None of these

Ans : (E)

29. EGAKRL

(A) #£$21*

(B) £$21*3

(D) #£$21#

(E) None of these

Ans : (B)

30. DMBNIA

(A) 6@9%#2

(B) 2@9%#6

(D) 2©9%#2

(E) None of these

Ans : (C)

*Directions*—(Q. 31–35) Study the following information carefully to answer

these questions.

Eight persons A, B, C, D, E, F, G and H work for three different companies

namely X, Y and Z. Not more than three persons work for a company. There are

only two ladies in the group who have different specializations and work for

different companies. Of the group of friends, two have specialization in

each HR, Finance and Marketing. One member is an engineer and one is a

doctor. H is an HR specialist and works with a Marketing specialist B who

does not work for company Y. C is an engineer and his sister works in

company Z. D is a specialist in HR working in company X while her friend G
is a finance specialist and works for company Z. No two persons having the

same specialization work together. Marketing specialist F works for company

Y and his friend A who is a Finance expert works for company X in which only

two specialists work. No lady is a marketing specialist or a doctor.

31. For which of the following companies does C work ?

(A) Y

(B) X

(D) Data inadequate

(E) None of these

Ans : (A)

32. Which of the following represents the pair working in the same company ?

(A) D and C

(B) A and B

(D) H and F

(E) None of these
Ans : (E)

33. Which of the following combination is correct ?

(A) C–Z-Engineer

(B) E–X–Doctor

(D) C–Y–Engineer

(E) None of these

Ans : (D)

34. Who amongst the friends is a doctor ?

(A) H

(B) E

(D) Either E or C

(E) None of these

Ans : (B)

35. Which of the following pairs represents the two ladies in the group ?

(A) A and D
(B) B and D

(D) Data inadequate

(E) None of these

Ans : (C)

Sample paper for the various exams

Ashish Saklecha — Mon, 15 Mar 2010 08:24:17 +0000

We are presenting you the some sample paper for the various competitive exams.

1. ‘Food For Oil’ programme running in which of the following countries was in news recently ?
(A) Kuwait
(B) Iran
(C) Iraq
(D) Lebanon
(E) None of these

2. The ‘Supreme Court of India’ recently declared which of the following proclamations unconstitutional ?
(A) Formation of an enquiry commission to probe Volcker Reports
(B) Dissolution of Bihar Assembly
(C) Setting up another commission in place of Phukan Commission
(D) Setting up a commission headed by an eminent diplomat to investigate recent Bomb Blast in Delhi instead of allowing CBI to do the same
(E) None of these

3. Which of the following is true about the recent discussion on the tariff reduction formulae proposed at the WTO ?
(A) India accepted the formulae presented by South Africa as it more or less matches with the formulae presented by it. South Africa was given the responsibility to find an amicably acceptable solution to the same
(B) India along with several others presented a formulae which was accepted by the USA but the EU refused to accept it
(C) USA, Australia and EU presented a formulae which is not acceptable to India
(D) India wishes to resign from the membership of the WTO as it is not ready sacrifice the interests of the agriculturists of India
(E) None of these

4. Which of the following European Countries was recently in news as violent riots broke out there ?
(A) Italy
(B) Germany
(C) Spain
(D) France
(E) None of these

5. Sunil Mittal is adjudged the ‘Business Leader of the Year’ by which of the following news paper/magazines ?
(A) Businessworld
(B) Business India
(C) Economic Times
(D) Business Standard
(E) None of these

6. Thomas C. Schelling and Robert J. Aumann won the ‘Nobel Prize-2005’ for their contribution in the field of—
(A) Physics
(B) Economics
(C) Chemistry
(D) Literature
(E) None of these

]7. India, recently decided to conduct a joint air exercise with which of the following countries ?
(The exercise was in news recently as a group of people was not in favour of such joint ventures)
(A) Britain
(B) Sri Lanka
(C) China
(D) France
(E) USA

8. India wants that the UN Security Council must have at least—
(A) 5 permanent members including India and China
(B) 7 permanent members including India and China
(C) 9 permanent members including India and China
(D) 11 permanent members including India and Pakistan
(E) 15 permanent members in both permanent and non-permanent category

9. Which of the following states was badly hit by a killer earthquake in October 2005 ?
(A) Himachal Pradesh
(B) Punjab
(C) Gujarat
(D) Haryana
(E) Jammu & Kashmir

10. R. K. Surati who won four Gold Medals in a Championship held in Pretoria recently is associated with which of the following games/sports ?
(A) Rifle Shooting
(B) Archery
(C) Power lifting
(D) 400 mt. Race
(E) None of these

11. Which of the following companies is not an IT/Software company ?
(A) Infosys
(B) Wipro
(C) NIIT
(D) Rolex
(E) All are IT/Software Companies

12. Which of the following is not a banking/finance related term ?
(A) NPA
(B) NAV
(C) Liquidity
(D) NAFTA
(E) IPO

13. Rahul Dravid was appointed the Captain of the Indian Cricket Team for one day series against which of the following ?
(1) Sri Lanka
(2) South Africa
(3) Australia
(A) Only (1)
(B) Only (2)
(C) Only (1) and (2)
(D) Only (3)
(E) (1), (2) and (3) all

14. ‘Nalchik’ which was recently in news, is a city in—
(A) Italy
(B) France
(C) Germany
(D) China
(E) Russia

15. Anju Bobby George won Gold Medal in 16th Asian Atheletics Meet held recently. The meet was organized in—
(A) South Korea
(B) India
(C) China
(D) Pakistan
(E) None of these

16. Who amongst the following is the Chairman of the Central Information Commission (CIC) set up recently under the Right to Information Act ?
(A) Sam Pitroda
(B) M. S. Swaminathan
(C) Rakesh Mohan
(D) Wajahat Habibullah
(E) None of these

17. The 13th SAARC meet was held in—
(A) Dhaka
(B) Kathmandu
(C) Islamabad
(D) New Delhi
(E) None of these

18. Who amongst the following is the author of the book ‘The Mathematical Theory of Black Holes’ ? (The author is regarded a great astrophysicists of the modern times)
(A) Dr. C. V. Raman
(B) Dr. J. V. Narlikar
(C) Dr. S. Chandrashekhar
(D) Dr. Homi Jehangir Bhabha
(E) Dr. Vikram Sarabhai

19. Asian Junior Table Tennis Championship matches were played recently in—
(A) China
(B) India
(C) South Korea
(D) Singapore
(E) None of these

20. Mr. Khurshid Mahmud Kasuri is the—
(A) External Affairs Minister of Pakistan
(B) External Affairs Minister of Bangladesh
(C) Home Minister of Pakistan
(D) Home Minister of Bangladesh
(E) None of these

21. What is India’s position in terms of the number of Internet users in the world ?
(A) 3rd
(B) 4th
(C) 5th
(D) 10th
(E) None of these

22. Which of the following countries had emerged as World’s largest Cell phone maker ? (As per the figures available upto April 2005)
(A) India
(B) USA
(C) Japan
(D) China
(E) None of these

23. Which of the following schemes is being implemented in rural areas which provides an assured employment of 100 days to a willing youth in India ?
(A) Sampoorna Gramin Rozgar Yojana (SGRY)
(B) National Rural Employment Programme (NREP)
(C) Rural Landless Employment Guarantee Programme
(D) Jawahar Rozgar Yojana (JRY)
(E) None of these

24. Who amongst the following is the author of the book ‘Doctor Zhivago’ ?
(A) Maxim Gorky
(B) Boris Pasternak
(C) Aldous Huxley
(D) George Eliot
(E) None of these

25. Who amongst the following is not a recipient of ‘Bharat Ratna’ ?
(A) Pt. Ravishankar
(B) Lata Mangeshkar
(C) Amitabh Bachchan
(D) Prof. Amartya Sen
(E) Dr. A.P.J. Abdul Kalam

26. Justice Yogesh Kumar Sabharwal was the new Chief Justice of—
(A) Allahabad High Court
(B) Mumbai High Court
(C) Delhi High Court
(D) Kolkata High Court
(E) Supreme Court of India

27. Ramon Magsaysay Awards are not given in which of the following categories ?
(A) Government Service
(B) Community Leadership
(C) Journalism
(D) Public Service
(E) Music

28. Harold Pinter, who won the Nobel Prize for Literature, is a citizen of—
(A) China
(B) Britain
(C) USA
(D) Russia
(E) Canada

29. Which of the following countries is not the member of SAARC ?
(A) Bhutan
(B) Maldives
(C) Sri Lanka
(D) Surinam
(E) All are members

30. Veselin Tapolev who became the World Champion recently, is associated with which of the following games/sports ?
(A) Chess
(B) Golf
(C) Snooker
(D) Badminton
(E) None of these

31. Which of the following is not an anti inflationary measure of the Government ?
(A) Strict fiscal discipline
(B) Rationalization of Excise Duties
(C) Strengthening Public Distribution System
(D) Issuing new currency notes/coins
(E) Rationalization of Import Duties

32. The headquarters of the World Trade Organization (WTO) is in—
(A) Vienna
(B) Geneva
(C) New York
(D) Nebraska
(E) None of these

33. ‘Kyat’ is the monetary unit of—
(A) North Korea
(B) Israel
(C) Indonesia
(D) Mongolia
(E) Myanmar

34. Which of the following is the full form of ‘PPP’ ?
(A) Purchase Price and Power
(B) Producer Price and Power
(C) Poverty, Production and Purchases
(D) Purchasing Power Parity
(E) None of these

35. Which of the following universities of North-East states has now the status of a Central University ?
(A) Manipur
(B) Shilong
(C) Guwahati
(D) Mizoram
(E) None of these

36. Who amongst the following is not a member of G-8 ?
(A) Australia
(B) Canada
(C) Japan
(D) France
(E) USA

37. ‘Quartz’, which is used in ornaments or in industries, is a crystal containing—
(A) Silicon Dioxide
(B) Platinum Dioxide
(C) Silver Chloride
(D) Fluoro Carbon
(E) None of these

38. A farmer engaged in Organic Farming will never use which of the following manures ?
(A) Compost
(B) Sewage Sludge
(C) Cow dung
(D) Urea
(E) None of these

39. Which of the following is a Cricket related term ?
(A) Push in
(B) Scissor Kick
(C) Hook
(D) Smash
(E) Dribble

40. Nirmal Verma who died recently was a famous—
(A) Painter
(B) Classical singer
(C) Author
(D) Politician
(E) Social Worker

41. Which of the following is not a Banking/Finance related term ?
(A) Current Account
(B) Pay Order
(C) Par Value
(D) Short Position
(E) Infringement

42. Which of the following awards is given for excellence in the area of music ?
(A) Saraswati Samman
(B) Tansen Samman
(C) Vyas Samman
(D) Borlaugh Award
(E) None of these

43. Which of the following is a major jute producing state ?
(A) Uttar Pradesh
(B) Himachal Pradesh
(C) Karnataka
(D) Kerala
(E) West Bengal

44. The study of the origin of universe is known as—
(A) Cosmology
(B) Chronology
(C) Geology
(D) Orography
(E) None of these

45. ‘Radcliffe Line’ divides the borders of—
(A) India-China
(B) China-Russia
(C) Russia-Afghanistan
(D) Pakistan-Afghanistan
(E) India-Pakistan

46. Which of the following is the currency of Saudi Arabia ?
(A) Taka
(B) Rial
(C) Baht
(D) Ruble
(E) None of these

47. Which of the following is a book written by Dr. A.P.J. Abdul Kalam ?
(A) Wings of Fire
(B) The Transparent Mind
(C) A Brief History of Time
(D) Indian Modernity
(E) None of these

48. The RBI revised the Reverse Repo Rate recently by 25 basis points. The present rate is—
(A) 4%
(B) 4•25%
(C) 5%
(D) 5•25%
(E) 6•00%

49. Which of the following is not a famous ‘Tiger Reserve’ in India ?
(A) Sunderbans
(B) Kaziranga
(C) Sariska
(D) Kanha
(E) None of these

50. ‘Subroto Cup’ is associated with which of the following games/sports ?
(A) Football
(B) Hockey
(C) Badminton
(D) Cricket
(E) None of these

Answers with Explanation

1. (E) 2. (B) 3. (B) 4. (B)
5. (C) Sunil Bharti Mittal is adjudged the ‘Business Leader of the Award’ by the Economic Times news paper in the year 2005.
6. (B)The Nobel Prize winners in Economics in the field of ‘Game Theory Analysis’ in the year 2005 were Thomas C. Schelling and Robert J. Aumann (Jointly).
7. (C) 8. (C) 9. (E) 10. (C) 11. (D) 12. (D) 13. (E) 14. (E) 15. (A) 16. (D) 17. (A)18. (C) 19. (C) 20. (E) 21. (C) 22. (D) 23. (E) 24. (B) 25. (C) 26. (E) 27. (E) 28. (B) 29. (D) 30. (A) 31. (D) 32. (B) 33. (E) 34. (D) 35. (B) 36. (A) 37. (A)
38. (D) For Organic Farming, fertilizer’s use is restricted like Urea, DAP, MOP etc. Only organic sources—conventional / FYM, Compost etc. and non-conventional organic sources like sewage, Municipal Waste, Press mud, coir pith etc. are being used.
39. (C) 40. (C) 41. (D) 42. (B) 43. (E) 44. (A) 45. (E) 46. (B) 47. (A) 48. (E) 49. (B) 50. (A)

Computer based bank solved papers

Ashish Saklecha — Sat, 13 Mar 2010 03:12:19 +0000

Computer knowledge Expected Solved Paper

1. A Compiler is ____
(A) A combination of computer hardware
(B) A program which translates from one high-level language to another
(C) A program which translates from one high-level to a machine level
(D)None of these
Ans : C

2. When a key is pressed on the keyboard, which standard is used for converting the keystroke into the corresponding bits
(A)ANSI
(B) ASCII
(C) EBCDIC
() ISO
Ans : A

3. A Pixel is -
(A) A computer program that draws picture
(B) A picture stored in secondary memory
(C) The smallest resolvable part of a picture
(D) None of these
Ans : C

4. Which device is used as the standard pointing device in a Graphical User Environment
(A) Keyboard
(B) Mouse
(C) Joystick
(D) Track ball
Ans : B

5. Which number system is usually followed in a typical 32-bit computer?
(A) 2
(B) 10
(C) 16
(D) 32
Ans : A
6. Which of the following is not an output device?
(A)Scanner
(B) Printer
(C) Flat Screen
(D) Touch Screen
Ans : D

7. Which of the following devices have a limitation that we can only information to it but cannot erase or modify it
(A) Floppy Disk
(B) Hard Disk
(C) Tape Drive
(D) CDROM
Ans : D

8. Which technology is used in Compact disks?
(A) Mechanical
(B) Electrical
(C) Electro Magnetic
(D) Laser
Ans : D

9. Which of the following storage
devices can store maximum amount of data?
(A) Floppy Disk
(B) Hard Disk
(C) Compact Disk
(D) Magneto Optic Disk
Ans : B

10. Which of the following is the largest manufacturer of Hard Disk Drives?
(A) IBM
(B) Segate
(C) Microsoft
(D) 3M
Ans : B

11. The memory location address are limited to
(A) 00000 to 9ffff(16)
(B) 00001 to 9ffff(16)
(C) 00010 to 9ffff(16)
(D) 10000 to 9ffff(16)
Ans : A

12. The programs which are as permanent as hardware and stored in ROM is known as
(A) Hardware
(B) Software
(C) Firmware
(D) ROMware
Ans : C

13. Memory is made up of
(A) Set of wires
(B) Set of circuits
(C) Large number of cells
(D) All of these
Ans : C

14. Primary memory stores
(A) Data alone
(B) Programs alone
(C) Results alone
(D) All of these
Ans : D

15. EPROM can be used for
(A) Erasing the contents of ROM
(B) Reconstructing the contents of ROM
(C) Erasing and reconstructing the contents of ROM
(DS) Duplicating ROM
Ans : C

16. Which device can understand difference between data & programs?
(A)Input device
(B) Output device
(C) Memory
(D) Microprocessor
Ans : D

17. The contents of information are stored in
(A) Memory data register
(B) Memory address register
(C) Memory access register
(D) Memory arithmetic register
Ans : A

18. Memory unit is one part of
(A) Input device
(B) Control unit
(C) Output device
(D) Central Processing Unit
Ans : D

19. Algorithm and Flow chart help us to
(A) Know the memory capacity
(B) Identify the base of a number system
(C) Direct the output to a printer
(D) Specify the problem completely and clearly
Ans : D

20. Which of the following is not a valid size of a Floppy Disk?
(A) 8″
(B) 5 1/4″
(C) 3 1/2″
(D) 5 1/2″
Computer knowledge Expected Solved Paper

2. When a key is pressed on the keyboard, which standard is used for converting the keystroke into the corresponding bits
(A)ANSI
(B) ASCII
(C) EBCDIC
() ISO
Ans : A

3. A Pixel is -
(A) A computer program that draws picture
(B) A picture stored in secondary memory
(C) The smallest resolvable part of a picture
(D) None of these
Ans : C

4. Which device is used as the standard pointing device in a Graphical User Environment
(A) Keyboard
(B) Mouse
(C) Joystick
(D) Track ball
Ans : B

5. Which number system is usually followed in a typical 32-bit computer?
(A) 2
(B) 10
(C) 16
(D) 32
Ans : A

6. Which of the following is not an output device?
(A)Scanner
(B) Printer
(C) Flat Screen
(D) Touch Screen
Ans : D