arihantbooks.com · 2 Bankin Guru May 2017 Lok Sabha on March 29, 2017 passed 4 supplementary...

GuruBankin May 20172

Lok Sabha on March 29, 2017 passed 4 supplementarylegislations which will enable the government to roll outthe landmark Goods and Services Tax Bill on July 1,2017. Prime Minister Narendra Modi was the first towelcome the passage of the Bill and gave a new sloganNew Year, New Law, New Bharat.

ABOUT THE GSTThe GST is the biggest tax reform in India sinceIndependence and creates a single nationwide market. It isexpected to boost economic growth by half a percentagepoint in the coming fiscal year as it replaces dozens oflevies. Goods and Services Tax (GST) is a proposed system of indirect taxation in India merging most of the existingtaxes into single system of taxation. It was introduced asThe Constitution (One Hundred and First Amendment)Act 2016.The GST is administered & governed by GST Counciland its Chairman is Union Finance Minister of India Arun Jaitley. GST would be a comprehensive indirect tax onmanufacture, sale and consumption of goods and servicesthroughout India, to replace taxes levied by the central and State governments.

FOUR BILLS OF GSTThe Lok Sabha passed four Goods and Services Tax (GST) Bills. Namely

1. The Central Goods and Services Tax (CGST) Bill, 2017

2. The Integrated Goods and Services Tax (IGST) Bill, 2017

3. The Union Territory Goods and Services Tax (UTGST)Bill, 2017

4. The Goods and Services Tax (Compensation to the States)Bill, 2017 (The Compensation Bill)

Provisions of GST Billsn The CGST Bill makes provisions for levy and collection of tax

on intra-state supply of goods and services by the Uniongovernment.

n The IGST Bill makes provisions for levy and collection of taxon inter-State supply of goods or services or both by the Uniongovernment. IGST is charged when movement of goods andservices from one State to another.

n The UTGST Bill makes provisions for levy on collection of taxon intra-UT supply of goods and services in the UnionTerritories without legislature.

n Union Territory GST is similar to States Goods and ServicesTax (SGST), which shall be levied and collected by the Statesand Union Territories on intra-State supply of goods or services or both.

EFFECTS OF GSTThe tax rate under GST may be nominal or zero rated for thetime being. It has been proposed to insulate the revenues of the States from the impact of GST, with the expectation that indue course, GST will be levied on petroleum and petroleumproducts. The central government has assured States ofcompensation for any revenue losses incurred by them from the date of introduction of GST for a period of five years.

BENEFITS OF GSTn Uniformity of Tax Rates and Structures The GST will ensure

that indirect tax rates and structures are uniform across thecountry. Thereby, it will increase certainty and ease of doingbusiness i.e., make it tax neutral, irrespective of the choice ofplace of doing business in the country.

n Removal of Cascading The GST will ensure minimalcascading of taxes (i.e., tax on tax) as it will have a system ofseamless tax-credits throughout the value-chain, and acrossboundaries of States.

n Easy Compliance The GST regime will have a robust andcomprehensive Income Tax (IT) system. Therefore, all tax payer services such as registrations, payments, returns, etc. will beavailable to the taxpayers online.

n Improved Competitiveness It will reduce transaction costs ofdoing business that will eventually lead to an improvedcompetitiveness for the trade and industry.

n Gain to Manufacturers and Exporters The subsuming ofmajor Central and State indirect taxes in GST would reduce the cost of locally manufactured goods and services. It will increasethe competitiveness of Indian goods and services in theinternational market and give boost to Indian exports.

n Higher Revenue Efficiency The GST will lead to higherrevenue efficiency as it is expected to decrease the cost ofcollection of tax revenues of the government.

n Relief in Overall Tax Burden The overall tax burden on mostcommodities will come down because of efficiency gains andprevention of leakages which will benefit consumers.

Lok Sabha Cleared FourGST BillsHistorical step towards new tax regime...

New Governmentformed in FIVE STATESBJP in Four States, Congress Back in Punjab...

Election results for five States—Goa, Manipur, Punjab,Uttar Pradesh and Uttarakhand were announced onMarch 11, 2017. The Election Commission of Indianotified the election schedule on January 4, 2017.Elections were conducted in One phase in Goa,Uttarakhand and Punjab; Two Phases in Manipur andSeven Phases in Uttar Pradesh.

GOAIndian National Congress won 17 seats; Bharatiya Janta Partywon 13; Maharashtrawadi Gomantak, Goa Forward Party &Independent 3 each and Nationalist Congress Party 1 seat in the 40-member Legislative Assembly.Manohar Gopalkrishna Prabhu Parrikar was sworn-in as the13th Chief Minister of Goa on March 14, 2017. This will be the3rd time that Parrikar will serve Goa as the Chief Minister.Earlier, on March 13, 2017, Parrikar resigned as the UnionDefence Minister to take up this new post. Meanwhile, ArunJaitley assumed the charge of Defence Minister. Parrikar did hisgraduation in metallurgical engineering from IIT-Bombayin 1978.Michael Lobo, a BJP legislator was elected as the DeputySpeaker of the Goa Assembly on March 24, 2017. Lobo, who isa two-time MLA from Goa’s Calangute constituency, defeatedthe Congress nominee Izidore Fernandes by 21-15 during thenal day of the State’s Budget session.

MANIPURIndian National Congress won 28 seats, Bharatiya Janta Party21 seats, Naga Peoples Front 4 seats, National Peoples Party4 seats and Lok Janshakti Party, All India Trinmool Congress &Independent 1 each in the 60-member Legislative Assembly.Nongthombam Biren Singh was sworn-in as the Chief Ministerof Manipur at the Raj Bhawan in Imphal on March 15, 2017. He will succeed outgoing Chief Minister Okram Ibobi Singh. Afterthe declaration of the results of Manipur Elections 2017, Manipur Governor Najma Haptullah invited the BJP-led coalition to formthe next government in the State after being assured of requisitesupport from regional parties and Independents. He had left theCongress in 2016 to join the rival BJP camp.

PUNJABIndian National Congress won 77 seats; Aam Aadmi Party20 seats; Shiromani Akali Dal 15; Bharatiya Janta Party 3and Lok Insaaf Party 2 in the 117-member Assembly.Captain Amarinder Singh took oath as the 26th ChiefMinister of Punjab on March 16, 2017 at the Raj Bhawanin Chandigarh thus paving way for the return of theCongress to power in the State after a gap of 10 years.

The oath of office was administered by Punjab governorVP Singh Badnore. This is the second time that PunjabPradesh Congress Committee (PPCC) Chief AmarinderSingh takes oath as Chief Minister. Earlier, he served inthat capacity in 2002-2007. Some of the other Ministerswho took oath include Manpreet Singh Badal, RaziaSultana, MLA from Malerkotla, Aruna Chaudhary, RanaGurjit Singh and Brahm Mohindra.

UTTAR PRADESHUttar Pradesh has total strength of 403 members in theState Assembly. Bharatiya Janta Party won 312 seats in the2017 Assembly Election. Samajwadi Party won 47 seats,Indian National Congress won 7 seats, Bahujan SamajParty won 19 seats and Apna Dal (Sonelal) won 9 seats.BJP MP Yogi Adityanath took oath as the 32nd ChiefMinister of Uttar Pradesh on March 19, 2017 atKanshiram Smriti Upvan in Lucknow. However, in termsof individual Chief Ministers of Uttar Pradesh, YogiAdityanath is the 21st Chief Minister.Yogi Adityanath, a 5-time Lok Sabha MP fromGorakhpur, was unanimously elected BJP legislatureparty leader at a meeting of the MLAs in Lucknow onMarch 18, 2017. Besides, two Deputy Chief Minister,nine MoS (independent charge), 24 Cabinet Ministersand 13 Ministers of State also took the oath.

UTTARAKHANDBJP rty won 57 seats; Indian National Congress 11 seatsand Independent 2 seats in the 70-member State Assembly.Former Uttarakhand BJP Chief Trivendra Singh Rawatwas sworn-in as the new Chief Minister of the State onMarch 18, 2017 at the Parade Grounds in State capitalDehradun. Uttarakhand Governor KK Paul administered the oath of office and secrecy to 56 years old Rawat andnine Ministers at a ceremony.The other members who took oath includes SatpalMaharaj, Harak Singh Rawat, Madan Kaushik, ArvindPandey, Subodh Uniyal, Yashpal Arya and Prakash Pantwho have been made Cabinet Ministers Besides, RekhaArya and Dhan Singh Rawat took oath as Ministersof State. Rawat is the 9th Chief Minister of Uttarakhandand 5th BJP ChiefMinister of the State.The oath swearingceremony was attendedby the Prime MinisterNarendra Modi,BJP ChiefAmit Shahand othernationaland Stateparty leaders.

AGREEMENT FORTRANSFER OF TECHNOLOGY OF HIGH NITROGEN STEELDefence Metallurgical Research Laboratory(DMRL), Hyderabad, a premier researchlaboratory of Defence Research andDevelopment Organisation (DRDO) andJindal Stainless (Hisar) Limited (JSHL) signed the Licensing Agreement for Transfer ofTechnology of High Nitrogen Steel (HNS)for armour applications in New Delhi onMarch 1, 2017.HNS technology is a step forward towardsArmy’s quest for lighter and high performance armouring material compared to the currently used materials.DMRL has developed and established anumber of frontline and path breakingtechnologies in the areas of metallurgy andmaterial science. HNS is not only tough butalso has good strength.In addition to being non magnetic as well ascorrosion resistant, the HNS cost is about40% less compared to Rolled HomogenousArmour Steel (RHA). Very few countries inthe world have developed this technology ofHNS. This material has potential for anumber of defence and civil applications likearmouring, mine trawls, oil industries etc.

ZTE LAUNCHED WORLD’SFIRST 5G ITBASEBAND UNITChinese multinational telecommunicationsequipment company ZTE made anannouncement on February 26, 2017 that ithas launched a next generation 5G ITBase-Band Unit (BBU).ZTE has partnered with Intel Corporation for this technology. The announcement wasmade at the Mobile World Congress (MWC) in Barcelona. The architecture of thistechnology has been provided by the Intel.This is the world’s first Software-DefinedNetwork (SDN) or Network FunctionVirtualisation (NFV) 5G Radio AccessNetwork (RAN) solution. This IT BBU iscompatible with all 2G, 3G and 4G platform. It also supports Cloud-Radio AccessNetworks (C-RAN) and Distributed-RAN(D-RAN).ZTE is a provider of advancedtelecommunications systems, mobile devices,and enterprise technology solutions toconsumers, companies, carriers and publicsector customers.

STOCK EXCHANGESEBI ALLOWED CELEBRITY ENDORSEMENTSIN MUTUAL FUNDSThe market regulatorSecurities and Exchange Board of India (SEBI) reviewedadvertisement guidelines formutual funds on March 15,2017, with regard to disclosing performance-relatedinformation about suchproducts.SEBI also issued newadvertising code that willrequire fund houses to communicate simply and effectively with the public.As per the new guidelines, SEBI has permitted celebrities to endorse mutual fund products at the industry level for the purpose of increasing awarenessof mutual funds as a financial product category.However, the capital market watchdog has restricted the endorsement tofollowing conditionsn Such endorsements should not promote a scheme of a particular mutual fund

or be used as a branding exercise of an Asset Management Company (AMC).n Expenses towards such celebrity endorsements for increasing awareness of

Mutual Funds shall be limited to the amounts that are aggregated by MutualFunds at industry level for the purpose of conducting investor education andawareness initiatives.

n Prior approval of SEBI shall be required for issuance of any endorsement ofMutual Funds as a financial product, which features a celebrity for thepurpose of increasing awareness of Mutual Funds.

SEBI TO TIGHTEN ALGORITHMTRADING RULESThe Securities and Exchange Board of India (SEBI) is planning to furthertighten the regulations for algorithm trading to minimise instances ofmisuse of such systems. The news came up on February 28, 2017. The tight regulations aim to curb the instances of flash crashes that have happenedoverseas and also in India few times.India is one of the few countries in the world to regulate algorithmictrading. Flash crash results in extremely rapid decline in the price of one ormore commodities or securities caused by algorithm trading. It can result inthe loss and recovery of billions of dollars in a matter of minutesand seconds.Many countries and regulators, including the International Organisation ofSecurities Commissions (IOSCO) are debating on this issue for many years, but only India had been able to come out with proper regulations.

About the Algorithmic TradingALGORITHMIC TRADING IN FINANCIAL MARKETS REFERS TO TRANSACTION ORDERS

GENERATED BY USING ADVANCED MATHEMATICAL MODELS THAT INVOLVES AUTOMATED

EXECUTION OF TRADE. IT USES MATHEMATICAL MODELS AND SOFTWARE CODES TO MAKE

TRANSACTION DECISIONS ON EXCHANGES AND EXECUTE THEM AT HIGH SPEED. THIS

TECHNOLOGY-DRIVEN TRADING ENABLES TRADERS TO TAKE ADVANTAGE OF ANY PROFIT

MAKING OPPORTUNITIES ARISING IN THE MARKET MUCH BEFORE A HUMAN TRADER CAN

EVEN SPOT THEM. AT PRESENT, ON THE NATIONAL STOCK EXCHANGE (NSE), ALGORITHM

TRADES ACCOUNTS CLOSE TO 16% OF ALL TRADES. ON THE BOMBAY STOCK EXCHANGE

(BSE), IT WAS 8.56% IN JANUARY, 2017.

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RBI UPDATESRBI PROPOSED TO FIX UPPER LIMITIN PPISThe RBI proposed to fix the upper limit for Prepaid PaymentInstruments (PPIs) at ` 1 lakh in view of growing usage of PPIsfor a purchase of goods and services. The central bank hassought comments on draft circular on Master Directions onIssuance and Operation of Pre-paid Payment Instruments(PPIs) in India till March 31, 2017.As per the draft the amount in a PPI should not exceed ` 1lakh at any point of time if the customer provides full KYCand ` 20000, if the customer provides minimum KYC detailsto the PPI issuing entity. PPIs could be loaded/reloaded bycash, by debit to a bank account, by credit and debit cards,and other PPIs.

Prepaid Payment InstrumentsPPIs are defined in the RBI Guidelines issued under the Payment and Settlements Systems Act, 2005 as payment instruments thatfacilitate purchase of goods and services, including funds transfer, against the value stored on such instruments.

The value stored on such instruments represents the value paidfor by the holders by cash, by debit to a bank account, or bycredit card. The pre-paid instruments can be issued as smartcards, magnetic stripe cards, internet accounts, internet wallets,mobile accounts, mobile wallets, paper vouchers and any suchinstrument which can be used to access the pre-paid amount.

GOVERNMENT ALLOWED RBI TOPRINT ̀ 10 PLASTIC NOTESThe Union Finance Ministry has given permission to ReserveBank of India (RBI) to conduct field trials of plastic(polymer-based) currency notes of ` 10 denominations. It wasannounced by the Union Minister of State for Finance ArjunRam Meghwal in a written reply in the Lok Sabha onMarch 18, 2017.These notes will be first introduced in 5 cities (not yetdeclared) across the country with diverse geographical andclimatic conditions. The Finance Ministry has asked the RBIto go ahead with the procurement of the requisite plasticsubstrate material and approved the printing of plastic ` 10notes. The plastic notes are considered to be cleaner thanpaper (cotton substrate-based) currency notes. They will lastlonger (average life span of about 5 years) and are difficultto counterfeit.

ALL CASH WITHDRAWALLIMITS REMOVEDAll restrictions on cash withdrawal from savings bankaccount have been removed from March 13, 2017 as theReserve Bank of India (RBI) had announced about it lastmonth. Earlier, it had removed cash withdrawal limits from ATMs from February 1, 2017.On January 30, 2017, the RBI had ended all curbs onwithdrawals from Current Accounts, Cash Credit Accounts and Overdraft Accounts. The Central Bank had put curbson cash withdrawals and set a withdrawal limit from theATMs and from bank accounts after the announcement the decision to demonetise old ` 500 and ` 1000 currencynotes on November 8, 2016.Demonetisation which was initially aimed at counteringblack money hoarders and counterfeiters in India was latertouted to be the big push to digital payments for thecountry.For a short period of time, digital payments applicationsand technologies such as the debit and credit cardtransactions at Point of Sale (PoS) terminals, NationalElectronic Funds Transfer (NEFT) and mobile bankingapplications saw a spike.

Transaction HistoryDEBIT AND CREDIT CARDS REPORTED OVER 311 MILLION

TRANSACTIONS AT POS TERMINALS, WITH MONEY WORTH ` 522

BILLION BEING TRANSACTED IN DECEMBER, 2016. THESE NUMBERS

DROPPED TO 265.5 MILLION TRANSACTIONS WORTH ` 481 BILLION IN

JANUARY, 2017 AND 212 MILLION TRANSACTIONS WORTH ` 391.5

BILLION IN FEBRUARY, 2017.

IN OCTOBER, 2016, INDIA SPENT PERFORMED 229.45 MILLION

TRANSACTIONS AT POS TERMINALS USING THEIR DEBIT AND CREDIT

CARDS, WITH MONEY WORTH ` 518.83 BILLION BEING TRANSACTED,

RBI’S MONTHLY BULLETIN SHOWS.

RBI ESTABLISHED COMMITTEE TOREVIEW CYBER THREATSThe Reserve Bank of India (RBI) on February 28, 2017announced the setting-up of an Inter-disciplinary StandingCommittee on Cyber Security.The 11-member Committee, which will be chaired by theRBI ED Meena Hemchandra has been entrusted to reviewthe threats emerging form use of technology, studyadoption of new technology standards and suggestappropriate policy interventions to strengthen cybersecurity and resilience. The Panel has the freedom to co-opt more experts in future and also operate through a framework of subcommittees to examine specific issues.The RBI had on February 8, 2017 proposed to step-up this inter-disciplinary Committee. In June, 2016 the RBI hadissued guidelines to banks mandating them certain cybersecurity preparedness rules for addressing risks emergingform new technology.Nearly, a dozen Indian banks have fallen prey tocyber-attacks in the last 8-9 months and the RBI has beencritical of banks preparedness on the same.

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Agreement/Pact/DealBetween Related Facts

Vijaya Bank and Piaggio Vehicle(March 27, 2017)

• Bengaluru-based Vijaya Bank has inked an Mou with Italian vehicles manufacturer Piaggio Vehicles, forproviding financial support for the purchase of vehicles under Small Road Transport Operators (SRTO)scheme in Bengaluru.

• Under the MoU, the first round of the vehicle was flagged-off by the Managing Director and Chief ExecutiveOfficer of the Vijaya Bank Dr. Kishore Sansi.

Assam Government and SBI(March 23, 2017)

• The State government of Assam has signed two MoUs with State Bank of India (SBI) to provide housing loanand education loan for its employees.

• Devajyoti Hazarika, State additional secretary of finance and Om Prakash Mishra General Manager of SBI ofNE Circle have signed MoU for loan facility at subsidised interest rates.

Bandhan Bank and Avenues IndiaPvt. Ltd. (March 16, 2017)

• Bandhan Bank Limited has signed an agreement with Avenues India Private Limited, a payment solutionsprovider, to provide merchants seamless access to Point of Sale (PoS) and payment gateway products.

• With this partnership, merchants will have speedier and direct access to PoS machines, payment gateways,and competitive financing options.

UCO Bank and Future Generali (March 15, 2017)

• Private insurer Future Generali India Insurance Company (FGII) has announced tie-up with Kolkata-based UCO Bank for its products.

• According to the agreement, UCO bank will provide a window at its bank branches for marketingFGII’s offerings. Future Generali General Insurance is a joint venture between India’s leading retailer FutureGroup and Italy based insurance major Generali.

SBI and CREDAI(March 15, 2017)

• India’s public sector banking and financial services company State Bank of India (SBI) and real estatedevelopers’ body CREDAI have signed a MoU which is valid for a period of 3 years.

• The aim of the MoU is to jointly conduct various initiatives towards development of the realty sector and Topromote housing for all.

SSB NSDC and NSDF(March 12, 2017)

• Sashastra Seema Bal (SSB) has signed an MoU with National Skill Development Corporation (NSDC) andNational Skill Development Fund (NSDF) for skill development of its serving/retired personnel and theirfamily members.

• After the MoU, SSB will be able to provide employment to its retiring personnel and also to those who arealready retired. SSB launched an in house developed mobile app named ‘MySSB’.

Germany’s KfW with EESL and SBI(March 11, 2017)

• The German Development Bank (KfW) and Uttar Pradesh-based Energy Efficiency Services Limited (EESL) has signed a loan agreement for € 200 million with a 4 year moratorium and a 12year repayment period.

• Mumbai-based State Bank of India (SBI) also signed an agreement with German KfW Development Bank for$ 274 million loan facility a maturity of 15 years to finance affordable housing segment in India.

Karnataka Bank and BAGICL (March 11, 2017)

• Mangalore-based Karnataka Bank has signed a Memorandum of Understandings (MoU) with Pune-basedBajaj Allianz General Insurance Company for General Insurance business. With this, Karnataka bank would beable to provide vast choice of nonlife insurance products to its customers.

Ola MP Government(March 4, 2017)

• Online cab aggregator Ola has signed MoU with the government of Madhya Pradesh to impart training to25000 youths in the State.

• The MoU was signed between Madhya Pradesh State Skill Development Mission (MPSSDM) and Directorate of Skill Development (Technical Education & Skill Development Department). The aim of the MoU is to providetraining, skill development and empowerment of 25000 driver partners in the next two years.

Merger/AcquisitionCompany Involved Related Facts

Airtel Entered DefinitiveAgreement to acquire TikonaDigital (March 23, 2017)

• New Delhi-based global telecommunications services company Bharti Airtel has signed an agreement withMumbai-based internet service provider Tikona Digital Networks to acquire its 4G business in 5 circles.

• The amount of the deal is approximately ` 1600 crore but the amount of acquisition is not disclosed, and now itis moved for regulatory approvals.

Bharatiya Mahila Bank with SBI(March 21, 2017)

• The government of India has decided to merge Bharatiya Mahila Bank (BMB) with India’s largest lender, the StateBank of India (SBI) to ensure greater banking services outreach to larger number of women at a faster pace. All the103 branches of BMB and business of approximately ` 2000 crore would be merged with the SBI.

• The decision to merge BMB with SBI has been taken keeping in view the advantage of the large network of theSBI among other things.

RCOM and Aircel Merger(March 21, 2017)

• The Competition Commission of India (CCI) has approved the merger of wireless operations of RelianceCommunications and Aircel to create a combined entity with assets worth ` 65000 crore.

• Reliance and Aircel have announced its merger operation in September, 2016. Both the companies will transfer` 14000 crore of debt each to the joint venture, taking the total debt of the new company to ` 28000 crore.

BSNL and MTNL(March 16, 2017)

• A Parliamentary panel suggested merging State-run telecom firms Bharat Sanchar Nigam Limited (BSNL) andMahanagar Telephone Nigam Limited (MTNL) for their long-term survival and success. The decision regardingthe merger was taken by the Committee on Petitions chaired by BJP MP Bhagat Singh Koshyari in Lok Sabha.

IndusInd Bank acquired IL&FSSecurities Services(March 14, 2017)

• Mumbai-based IndusInd Bank announced to acquire 100% stake in brokerage firm IL&FS Securities Services toregulatory approvals. ISSL was incorporated in 2007 as a subsidiary of IL&FS, is a capital market intermediaryfor professional clearing, depository and custodial Services. It has 1000 brokers, FPI’s and FII’s as clients.

Intel to buy Mobileye(March 13, 2017)

• Intel has announced a deal under which it will buy Israeli technology company Mobileye for $ 15.3 billion.Mobileye provides anticollision, driver assistance, and autonomous driving solutions.

• The acquisition will combine the computer vision expertise of Mobileye with the highperformance computing ofIntel to create automated driving solutions from the cloud through the network to the car.

NATIONALIMPACT

CURRENT REVIEW

NATIONAL HEALTH POLICY 2017 APPROVEDParliament approved the National Health Policy 2016 on March 27, 2017. TheMental Healthcare Bill 2016 provides better mental healthcare and alsodecriminalises suicide. It will replace the previous policy which was framed 15 yearsago in 2002. It aims at providing healthcare in an ‘assured manner’ to all byaddressing current and emerging challenges arising from the ever changingsocio-economic, epidemiological and technological scenarios.

Highlightsn It aims to raise public healthcare expenditure to 2.5% of GDP from current 1.4%, with

more than two-thirds of those resources going towards primary healthcare.n It envisages providing a larger package of assured comprehensive primary healthcare

through the ‘Health and Wellness Centres’.n It is a comprehensive package that will include care for major Non-Communicable

Diseases (NCDs), geriatric healthcare, mental health, palliative care and rehabilitativecare services.

n It proposes free diagnostics, free drugs and free emergency and essential healthcareservices in all public hospitals in order to provide healthcare access andfinancial protection.

n It seeks to establish regular tracking of Disability Adjusted Life Years (DALY) Index as ameasure of burden of disease and its major categories trends by 2022.

n It aims to improve and strengthen the regulatory environment by putting in placesystems for setting standards and ensuring quality of healthcare.

n It also looks at reforms in the existing regulatory systems both for easing drugs anddevices manufacturing to promote Make in India and also reforming medical education.

n It advocates development of mid-level service providers, public health cadre, nursepractitioners to improve availability of appropriate health human resource.

TargetsIT AIMS TO ENSURE AVAILABILITY OF 2 BEDS PER 1000 POPULATION TO ENABLE ACCESS WITHIN

GOLDEN HOUR. IT PROPOSES TO INCREASE LIFE EXPECTANCY FROM 67.5 TO 70 YEARS BY 2025. IT

AIMS TO REDUCE TOTAL FERTILITY RATE (TFR) TO 2.1 AT SUB-NATIONAL AND NATIONAL LEVEL BY

2025. IT ALSO AIMS TO REDUCE MORTALITY RATE (MR) OF CHILDREN UNDER 5 YEARS OF AGE TO

23 PER 1000 BY 2025 AND MATERNAL MORTALITY RATE (MMR) TO 100 BY 2020. IT ALSO AIMS TO

REDUCE INFANT MORTALITY RATE TO 28 BY 2019 AND REDUCE NEO-NATAL MORTALITY TO 16 AND

STILL BIRTH RATE TO ‘SINGLE DIGIT’ BY 2025.

AADHAAR CARD CANNOT BE MADE MANDATORY FOR CENTRAL WELFARE SCHEMEThe Supreme Court observed on March 27, 2017 that Aadhaar card cannot stand in the way of citizens accessing the benefits of social welfare schemes of thegovernment. However, it remarked that the government can press for Aadhaar cardfor income-tax filings. The Court’s oral observations came during a mentioning foran early date for hearing a batch of pending petitions questioning the Aadhaarscheme and privacy issues emanating from the fact that biological, personal and bank details of citizens are shared at a large-scale.A bench of Justices comprising, Chief Justice Jagdish Singh Khehar, Justice DYChandrachud and Justice Sanjay Kishan Kaul announced to set-up a seven judgebench to hear the plea but did not confirm the exact date.

As per the critics of Aadhaar,government is violating a SupremeCourt order of October, 2015 whichspecified that the UniversalIdentification Document cannot bemade mandatory for governmentschemes. It alleged that UIDAI isgetting biometric details throughprivate agencies, which violatedcitizens’ fundamental rights.According to the government, use ofAadhaar simplifies delivery and helpsmake the system more transparentand efficient.

Key Areas Mandated forAadhaar CardAadhaar has been made mandatory forthe citizens to avail the benefits undernearly three dozen central schemesincluding free midday meals forschoolchildren and filing tax returns. It has also been made compulsory forscholarships and other schemes forbackward castes and the disabled.Besides, for getting the subsidisedcooking gas and foodgrains also onehas to produce Aadhaar card.However, until all beneficiaries areassigned Aadhaar cards, ration cards or copies of a person’s request forAadhaar enrolment can be used forsubsidised foodgrain.

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CURRENT REVIEW

AWARDSANDHONOURS

KALA RATAN AWARDVeteran film actor Anupam Kher was felicitated with the Kala Ratan Award byPunjab University in Chandigarh at its 66th convocation on March 25, 2017. The62 year old actor received the honour by the Vice-President of India, Hamid Ansarifor his contribution in the field of cinema and arts.Anupam Kher has also been honoured with the Padma Shri in 2004 and the PadmaBhushan in 2016. The Kala Rattan award carries cash award of ` 31000.

NATIONAL PHOTOGRAPHY AWARDS 2017Indian photographer and photojournalist Raghu Rai has conferred with a LifetimeAchievement Award on March 24, 2017 by the Union Minister of Information andBroadcasting M. Venkaiah Naidu at 6th National Photography Awards.Rai was honoured for his remarkable contribution in the field of photography. Hereceived Padma Shri award in 1972 and Photographer of the Year award by the USA in 1992. Along with Rai, KK Mustafah, Atul Choubey, Dipayan Bhar and RavinderKumar were also felicitated at the award events.

KIRTI CHAKRAMajor Rohit Suri, the leader of the army team that carried out surgical strike in PoK in 2016, was presented the Kirti Chakra by President Pranab Mukherjee during themilitary investiture ceremony held in the Durbar Hall of the Rashtrapati Bhavan onMarch 20, 2017. Major Rohit Suri belongs to the Parachute Regiment.Besides, another member of the surgical strikes team Naib Subedar Vijay Kumar was conferred the Shaurya Chakra for his daredevilry in killing two terrorists in theoperation despite coming under fire. Kirti Chakra is the second highest peacetimegallantry award equivalent of the Maha Vir Chakra. It may be awarded to civilians as well as military personnel, including posthumous awards.

KULDIP NAYAR JOURNALISM AWARDS 2017Ravish Kumar, the senior executive editor of NDTV India, was awarded theinaugural Kuldip Nayar Journalism Award at New Delhi’s India InternationalCentre on March 19, 2017 in recognition of his outstanding contribution in theworld of Journalism. In the event organised by the Gandhi Peace Foundation,Ravish was presented the prestigious award by veteran journalist Kuldip Nayar afterwhom the award has been named.Ravish has earlier won several prestigious awards including the Ramnath GoenkaAward in 2013. He was also awarded the best journalist of the year 2015 by mumbai press club. The Kuldip Nayar Journalism Award has been jointly instituted byjournalist Kuldip Nayar and the Gandhi Peace Foundation.

SARASWATI SAMMAN 2016Eminent Konkani writerMahabaleshwar Sail was selected for the prestigious Saraswati Samman2016 for his novel Hawthan onMarch 9, 2017. He is bilingual writer based in Goa. ‘Hawtha’, his work of fictionpresenting the cultural map of thetraditional potter community of Goawas published in 2009.Saraswati Samman is an annualaward bestowed upon Indian citizenfor his outstanding literary workwritten in any Indian languagementioned in Schedule VIII ofConstitution and published duringlast 10 years.It was established in 1991 by the KKBirla Foundation. Eminent Hindiauthor Harivansh Rai Bachchan wasthe first recipient of this award for his autobiography in four volumes.

MISS INTERNATIONAL QUEEN 2016Thailand’s Model, Jiratchaya Sirimongkolna won crowned Miss InternationalQueen 2016 on March 10, 2017 in the 12th edition of the beauty pageantevent in Pattaya City, Thailand. Miss International Queen began in theyear 2004 and has been held annually in Pattya City since then and isconsidered the largest and the most popular transgender pageant of the world.The 25year old Jiratchaya beat 24 other contestants for the crown. Besides,Brazil’s Nathalie Oliveira won the second place while Venezuala’s AndreaCollazo was awarded the third position.

30TH MOORTIDEVI AWARDMP Veerendra Kumar was presented the 30th Moortidevi award by Bharatiya Jnanpith organisation in Kozhikode (Kerala).The Sahitya Akademi award winning writer was chosen for the prominent award for his Malayalam travelogueHymavathabhoovil, which dwells upon ancient trails of Indian culture, myth, literature and people strewn in the plains,valleys and mountains of India.MP Veerendra Kumar is a writer, a journalist and an Indian politician. He was a member of the 14th Lok Sabha. He is amember of the Janata Dal (United) political party and the President of Kerala State unit of the party. He is currently a trustee of Press Institute of India. Moortidevi award is given annually in the Literature field. The Moortidevi award is instated in1944 by the Bharatiya Jnanpith organisation.

Other Awards & HonoursAward Winner Related Facts

Acumen Global Awards2017(March 27, 2017)

T-Hub • T-Hub, one of the largest startup ecosystem builders in India have bagged four ‘AcumenGlobal Awards 2017’ by bringing up four startups to be emerging as the first choice of top Indian startups.

• This competition is mainly meant for the emerging startups. The award function was heldin Kenya.

Smart Technology of theYear 2016 Award(March 22, 2017)

ABB India • Bengaluru-based ABB India has won the India Smart Grid Foundation (ISGF)’s ‘SmartTechnology of the Year 2016’ award for restoring the crucial power infrastructure ofSharavathi hydropower plant in Karnataka.

• This kind of projects will be key to realising the objective of India’s National SmartGrid Mission.

NSF’s CAREER Award(March 18, 2017)

Anshumali Shrivastava • An Indian-American computer scientist, Anshumali Shrivastava, was honored with theNational Science Foundation’s prestigious CAREER Award for his research onredesigning current machine-learning processes.

• CAREER awards are the National Science Foundation’s most prestigious awards torepresent the role of teacher-scholars through research, education and the integration ofeducation and research.

Official Language PolicyAward(March 15, 2017)

Central Bank of India • Mumbai-based Central Bank of India won the first prize in the implementation of OfficialLanguage Policy in the western region for the year 2015-2016 at the Official LanguageConference of Central and Western Regions in Udaipur.

• Rajasthan Governor, Kalyan Singh has presented the trophy and certificate to SudhirPathak, Chief Manager, Central Bank of India.

IEEE Spectrum Technologyin the Service of SocietyAward 2017(March 10, 2017)

Indian Institute ofTechnology, Madras

• Award won by the Indian Institute of TechnologyMadras (IITM) for its solarDirect Current (DC) inverter system.

• The solar inverter system was developed by Centre for Decentralised Power Systemsat IITM.

• It is based on micro grid technology and it 230V Analog Current to 48V DC to directlypower appliances and devices.

BCCI Annual Awards 2017(March 8, 2017)

Virat Kohli, R. Ashwin,Vaman Viswanath Kumarand Late Ramakant Desai

• The Board of Control for Cricket in India (BCCI) announced the awards were given awayat a ceremony held in Bangaluru which also marks the International Women’s Day.

• Indian Skipper Virat Kohli was honored with the Polly Umrigar Award for third time.

• Besides, R. Ashwin was awarded the Dilip Sardesia Award for the second time for hisbrilliant performance in test cricket in 2016.

• Vaman Viswanath Kumar and late Ramakant Desai were given the BCCI Special Award inrecognition of their yeoman services to Indian Cricket.

International Film Festivaland Awards of Australia(March 7, 2017)

Aishwarya Rai Bachchan • Bollywood actress Aishwarya Rai Bachchan has won the best actress award at theInternational Film Festival and Awards of Australia (IFFAA) for her movie Sarabjit.

• Directed by Omung Kumar, Sarabjit was the biopic on Sarabjit Singh who was an Indianfarmer who was convicted of terrorism and spying in Pakistan and was sentencedto death.

53

Award Winner Related Facts

SERB Fellowship Award(March 7, 2017)

Lalji Singh • Former director of Centre for Cellular and Molecular Biology (CCMB) Lalji Singh has beenselected for ‘SERB Distinguished Fellow’ award by the Science and Engineering Research Board (SERB).

• The SERB is a statutory body established through an Act of Parliament.

Standard & Colours Award(March 3, 2017)

125 Helicopter Squadronand Mechanical TrainingInstitute

• President Pranab Mukherjee awarded the prestigious President’s ‘Standard’ to 125Helicopter Squadron and ‘Colours’ to Mechanical Training Institute (MTI) at the Tambaram air base, near Chennai.

• The 125 Helicopter Squadron was the first gunship squadron of the Indian Air Forceformed in November, 1983.

Most Popular TourismDestination Award(March 3, 2017)

Sri Lanka • The Sri Lanka has bagged the most ‘Popular Tourism Destination’ Award for the secondconsecutive year at the International Travel Fair (GITF) Travel Fair in Guangzhou (China).

• This award shows china’s interest in the island nation besides China has been Sri Lanka’s second largest source market for tourism since 2014.

• The GITF award will further label Sri Lanka among visitors to gain greater exposure andvisibility for its unique destination brand.

Raksha Mantri’s Trophy(March 2, 2017)

INHS-Asvini • The INHS-Asvini, Mumbai was conferred with the Raksha Mantri’s Trophy and Citation forthe best Service Hospital in the Armed Forces Medical Services (AFMS) for the year 2016 by Defence Minister Manohar Parrikar.

• The Raksha Mantri’s Trophy was instituted in the year 1989 to create a healthycompetition among the Command Hospitals of the Army and its equivalent Hospitals inthe Navy and Air Force.

Visitor’s Award(March 2, 2017)

Jawaharlal NehruUniversity

• New Delhi-based Jawaharlal Nehru University (JNU) has bagged the annual ‘Visitor’sAward’ for the best University in the country amid the string of controversies.

• Deepak Pant from Central University of Himachal Pradesh has won the Visitor’s Award for‘Innovation’ while the Visitor’s Award for ‘Research’ has been jointly won by Shyam Sunder from Banaras Hindu University and Niranjan Karak from Tezpur University.

Audience Award at theGlasgow Film Festival 2017(March 1, 2017)

Lipstick Under My Burkha • The restricted for release by the Central Board of Film Certification (CBFC), Indian movie,Lipstick Under My Burkha was awarded the 3rd annual Audience Award at thisFilm Festival.

• Indian filmmaker Alankrita Shrivastava directed Lipstick Under My Burkha.

54

GuruBankin May 2017

1. What is the theme of 2017International Women’s Day (IWD)?

a. Women’s History Monthb. Equality for Women is Progress for All

c. Planet 50-50 by 2030 : Step It Up forGender Equality

d. Women in the Changing World of Work :Planet 50-50 by 2030

e. Planet 50-50 and Women is Progressfor All

2. Which city will host the Nationalconference on Jal Kranti Abhiyan?

a. Lucknow b. Bhopal c. New Delhid. Jaipur e. Patna

3. Who is the author of the book‘Lincoln in the Bardo’?

a. Junot Díaz b. George Saundersc. Marie Claire d. Zadie Smithe. George Smith

4. Who is the author of the book ‘Age ofAnger – A History of the Present’?

a. Kalyan Karmakarb. Krishna Kumar Raic. Pankaj Mishrad. Bhim Chandra Nage. Meraj Bhat

5. Country’s first ‘Made in India’ EMUtrain, Medha, flagged off at Dadar station on March 18, 2017. In which of thefollowing Rail Coach Factory it hasbeen manufactured?

a. Rail Coach Factory (Kapurthala)b. Diesel Locomotive Works (Varanasi)c. Rail Wheel Factory (Bengaluru)d. Integral Coach Factory (Chennai)e. Rail Coach Factory (Jamalpur)

6. The National Health Policy, 2017approved by Cabinet on March 15, 2017,proposes to increase public healthexpenditure to what percent of the GDP?

a. 1.00% b. 1.50% c. 2.00%d. 2.5% e. 3%

7. The coalition headed by this partywon majority seats in the Uttar PradeshLegislative Assembly Elections 2017.

a. Samajwadi Partyb. Bahujan Samaj Partyc. Aam Aadmi Partyd. Bharatiya Janata Partye. Indian National Congress

8. The World Kidney Day was observedon March 9, 2017 with the theme

a. Kidney Health for Allb. Chronic Kidney Disease (CKD) and agingc. Kidney Disease and Obesityd. Kidneys for Life – Stop Kidney Attack!e. Kidney and life

9. Name the lunar probe spacecraft ofIndia that was found by using a newground-based radar technique byNASA scientists.

a. Chandrayaan-1 b. Chandrayaan-2c. Chandrayaan-3 d. Chandrayaan-4e. Chandrayaan-11

10. According to the ‘World HappinessReport 2017’ released by the UNSustainable Development SolutionsNetwork (UNSDSN) under theleadership of United Nations GeneralAssembly, which amongst the followingcountries is at the first place in the list ofthe world’s happiest countries?

a. Denmark b. Norway c. Icelandd. Switzerland e. New Zealand

11. What is India’s ranking in the 2017Index of Economic Freedom recentlyreleased by The Heritage Foundation?

a. 141st b. 142nd c. 143rdd. 145th e. 149th

12. The Reserve Bank of India (RBI)notified change in cash for gold policyand capped it at ` 20000. What was theprevious limit of cash for gold?

a. ` 100000 b. ` 150000 c. ` 450000d. ` 650000 e. ` 1000000

13. To transact through the IDFCAadhaar Pay application, which of thefollowing is required?

a. Aadhaar number and customer fingerprintas password

b. Customer’s Bank Account number and pinc. Customer’s debit card and ATM pin

d. Debit card number and mobile banking pine. All of the above

14. Which institute won the 2017 IEEESpectrum Technology in the Service ofSociety Award?

a. IIT-Madras b. IIT-Delhic. IIT-Kanpur d. IIT-Hyderabade. IIT-Bangalore

15. Mission Fingerling was launched bywhich Ministry to achieve BlueRevolution?

a. Agriculture and Farmers Welfareb. Powerc. Food Processing Industries

d. Environment, Forest and Climate Changee. None of the above

16. Which State will be hosting the22nd Asian Athletics Championship to be held in July, 2017?

a. Madhya Pradesh b. Odishac. Maharashtra d. Karnatakae. Bihar

17. The first-ever Haryana SahityaSangam has started in which city?

a. Faridabad b. Panchkula c. Gurgaond. Karnal e. Rohtak

18. India has recently signed a SocialSecurity Agreement (SSA) with whichcountry to protect rights of detachedworkers?

a. Indonesia b. Brazilc. China d. South Africae. The USA

19. The SRCC Global MillenniumSummit 2017 has started in which city?

a. Dubai b. London c. New Delhid. Geneva e. Lahore

20. Who has became the new ChiefMinister of Uttarakhand?

a. Ramesh Pokhriyal Nishankb. BC Khanduric. Chitranjan Dasd. Trivendra Singh Rawate. Anju Negi

21. Who is the Chairman of theSecurities and Exchange Board of India?

a. Ajay Tyagi b. Rahul Bajajc. Pankaj Patel d. Rahul Bhatnagare. Priya Mittal

22. Who amongst the following hasrecently elected as the new Speaker ofGoa Legislative Assembly?

a. Digambar Kamat b. Ranjit Ranec. Pramod Sawantd. Siddharth Kuncolienkare. Ritesh Ranjan

23. Recently, which American-American nominated US-American Donald Trump,has been named as the judge of the6th Circuit Court of Appeal in the USA?

a. Vivek Krishnamurthyb. Amul Thapar c. Tarun Chatterjeed. Vikas Agarwal e. Kundan Singh

24. On March 8, 2017, who among thefollowing has been awarded the firstLifetime Achievement Award forwomen’s player from BCCI?

a. Sharmila Chakrabortib. Shobha Panditc. Shantha Rangaswamyd. Jyotsna Patele. Nikita Todarwal

25. How much reservation for womenin government jobs has been approvedby State of Punjab?

a. 33% b. 46% c. 49% d. 50% e. 65%

55

Level 1

bjectiveCURRENT AFFAIRS

GuruBankin May 2017

Directions (Q.Nos. 1-5) Replace the phrase printed inbold in the sentence to make it grammatically correct. Ifthe sentence is correct as it is given and no correction isrequired, then mark (e) as the answer.

1. The plan broke open for want of funds.a. broke up b. broke down c. broke outd. broke upon e. No correction required

2. Is there any place for me to sit?a. space b. room c. aread. seat e. No correction required

3. It is time the six year old is learning how to readand write.a. has learned b. learnt c. was learningd. will learn e. No correction required

4. He plays cricket and tennis also.a. both b. besides c. too d. as well e. No correction required

5. One of their freighters, the Neptune, will leave intwo weeks.a. would leave b. will be leaving c. would have leftd. would be left e. No correction required

Directions (Q.Nos. 6-10) Find out which pair of wordscan be filled up in the blanks.

6. The clerk ...... to complain because bag was ......by the peon.a. planned; thrown b. gave; heldc. began; kept d. willing; knockede. threatened; stolen

7. In ........ of a new bussiness, there is always somedoubt about ..... .a. view; whichever b. many; doing c. defence; wrong d. case; success e. spite; whatever

8. Instead of ........ others you should ....... the truth.a. begging; demanding b. blaming; findc. worrying; paying d. writing; readinge. donating; demanding

9. The progress of the project has been ........because of the ....... of money.a. held; non-availabilityb. denied; restrictionsc. hampered; lackd. prevented; supplye. completed; disappearance

60

PROBATIONARY ( )OFFICER PO( )PRELIMINARY PHASE I EXAM

State Bank of India (SBI)

mock paper-2 ONLINEEXAM

APRIL 29/30 & MAY 6/7,

2017

l This crack set con sists of 100 questions in three parts.l All questions are compulsory.l Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.

Do not spend too much time on any question.

Time 60 min Max. Marks 100

Part Subject Number of Questions Max. Marks

I English Language 30 30

II Quantitative Aptitude 35 35

III Reasoning Ability 35 35

General Instructions

Part I English Language

GuruBankin May 2017

56. Which number should replace both the questionmarks in the following equation?

?

?867

48=

a. 204 b. 214 c. 216

d. 224 e. None of these

Directions (Q.Nos. 57-60) Each question below isfollowed by two statements I and II. You are to determinewhether the data given in the statement is sufficient foranswering the question. You should use the data andyour knowledge of Mathematics to choose between thepossible answers. Give answera. if the statement I alone is sufficient to answer the question,

but the statement II alone is not sufficientb. if the statement II alone is sufficient to answer the question,

but the statement I alone is not sufficientc. if either the statement I alone or statement II alone is sufficient

to answer the questiond. if you cannot get the answer from the statements I and II

together, but need even more datae. if both statements I and II together are needed to answer the

question

57. What is the area of the circle?

I. Perimeter of the circle is 88 cm.II. Diameter of the circle is equal to the side of the

square having area 784 cm 2 .

58. What is Rajan’s present age?

I. Ratio of present ages of Rajan and Madan is 3 : 4respectively.

II. Five years hence the ratio of ages of Rajan andMadan will be 4 : 5 respectively.

59. What is the rate of interest percent per annum?

I. Simple interest accrued in 10 years is equal to theamount.

II. Compound interest accrued in 2 years is ̀1050.

60. What is Nandita’s share in the profit of ̀20000 to be distributed between her brother and her?

I. Nandita invested ` 50000.II. Amount invested by Nandita is 40% of the

amount invested by her brother.

Directions (Q.Nos. 61-63) What approximate valueshould come in place of question marks in the followingequations? (You are not expected to calculate the exactvalue.)

61. ( . ) ?18 001 3 =a. 5830 b. 5500 c. 6000 d. 6480 e. 5240

62. 9999 99 9¸ ¸ = ?a. 18 b. 15 c. 6 d. 11 e. 20

63. 22.005% of 449 999. ?=a. 85 b. 100 c. 125 d. 75 e. 150

64. The difference between 31% of a number and13% of the same number is 576. What is 17% of thatnumber?a. 544 b. 457 c. 561d. 574 e. None of these

65. What is the least number to be added to 4400 tomake it a perfect square?a. 64 b. 89 c. 72d. 44 e. None of these

Directions (Q.Nos. 66-69) In each of the question beloware given four statements followed by four conclusions I,II, III and IV. You have to take the given statements to betrue even if they seem to be at variance from commonlyknown facts. Read all the conclusions and then decidewhich of the given conclusions logically follows from thegiven statements disregarding commonly known facts.

66. Statement All drums are tubes.

Some tubes are pipes.No pipe is stick.Some sticks are rubbers.

ConclusionI. All rubbers are tubes.

II. Some sticks being drums is a possibility.III. At least some pipes are drums.IV. Some sticks are definitely tubes.

a. None follows b. Only Ic. I and II d. Only IIe. Only III

67. Statement Some pens are rooms.

All rooms are walls.Some walls are bricks.All bricks are slates.

ConclusionI. At least some slates are walls.

II. All walls are pens.III. Some bricks being rooms is a possibility.IV. Some slates are not rooms.

a. I and III b. II and III c. I and IId. III and IV e. None of these

68. Statement Some chairs are pencils.

Some pencils are bottles.Some bottles are bags.Some bags are books.

ConclusionI. At least some books are pencils.

II. Some bottles are definitely chairs.III. No book is pencil.IV. All bags being chairs is a possibility.

a. Only I b. Either I or III and IVc. Only III d. Only IVe. None of these

69. Statement Some roads are buses.

All buses are trains.Some trains are trucks.All trucks are kites.

64

Part III Reasoning Ability

GuruBankin May 2017

1. (b) 2. (a) 3. (b) 4. (c) 5. (b)

6. (e) 7. (d) 8. (b) 9. (c) 10. (a)

11. (a) 12. (e) 13. (c) 14. (d) 15. (b)

16. (c) 17. (e) 18. (e) 19. (d) 20. (b)

21. (c) 22. (e) 23. (d) 24. (a) 25. (e)

26. (a) 27. (b) 28. (a) 29. (c) 30. (e)

31. (e) Let, monthly income of Mr. More is` x.

\ x ´- +[ ( )]100 20 15

100

´- +[ ( )]100 40 30

100 = 8775

Þ x ´ ´65

100

30

100 = 8775

\ x =´ ´

´

8775 100 100

65 30 = `45000

32. (c) Let, fraction be x

y.

\x

y

´=

125

2

5

9

%

Þ x

y´ =

5

8

5

9

Þ x

y= ´ =

5

9

8

5

8

9

33. (a)

P Q R

45000

9

2 70000

14

2 90000

18

2´ ´ ´: :

Share of Q = ´14

41164000 = `56000

34. (e) Let, the ages of Tarun and Varun are 3x yr, 7 x yr, re spec tively.

According to question,

Age of Varun after 4 yr = 39 yr

7 4x + = 39

7 39 4x = -

x =35

7 = 5

Tarun’s age 4 yr ago = 3 4x -

= 3 5 4´ - = 11 yr

35. (c) Dis tance covered in one weeks

= + =3506 500 2600 m

\ Distance covered in two week

= ´2 2600 = 5200 m = 5 2. km

36. (a) P = ` 25000

SI = 3

20 of ` 25000

= ´250003

20 = ` 3750

Q SI = Prt

100

3750 = 25000 3

100

´ ´r

r = 3750 100

25000 3

´

´ = 5%

37. (e) Let, the five con sec u tive evennum bers be 2 x, 2 2x + , 2 4x + , 2 6x + , 2 8x + . respectively.

According to question,

2 2 2 2 4 2 6x x x x+ + + + + +

+ + =2 8 170x

10 20 170x + =

10 150x =

x =150

10 = 15

\ The five numbers are 30, 32, 34, 36, 38,respectively.

\ Required sum = ( )30 362 +

= 900 + 36 = 936

38. (e) Length of rect an gle = 25 cm

\ Breadth = ´1

5 Length – 1 =

25

5 – 1

= -5 1 = 4 cm

Given, area of the square = 4 ́Area of arectangle

(Side)2 4 25 4= ´ ´( )

Þ (Side)2 2400= cm

Þ Side = 400 = 20 cm

Hence, perimeter of the square

= 4 ́Side = 4 20´ = 80 cm

39. (b) Marks in all sub jects

= 54 + 65 + 89 + 69 + 68 = 345

Total maximum marks = 5 100´ = 500

\ Required percentage = 345

500100´ = 69%

40. (d) 8 women can com plete a piece ofwork in = 15 h

1 woman can complete a piece of work in

= ( )15 8´ h = 120 h

\ 12 women can complete a piece of workin

= 120

12 = 10 h

41. (d) Q Di am e ter of a cir cle

= 24 - 10 = 14 cm

\ Radius of a circle = 14

2 = 7 cm

\ Area of a circle = pr2 = 22

77 7´ ´

= 154 sq cm

42. (d) 15.4 13.5 ?´ ´ = 2598.75

? 2598.75

15.4 13.5=

´

? 2598.75

207.9=

? 12.5=

43. (b) 6435.9 7546.4 1203.5 ?+ + =

15185.8 ?=

44. (a) 4.5 437 19 ?´ ¸ =

4.5 23 ?´ =

103.5 ?=

45. (b) Over the given 3 years sales volumeof red colour

= + +( )20 30 45 = 95 thousand

Sales volume of blue colour

= + +( )25 32 48 = 105 thousand

Sales volume of lemon colour

= + +( )47 23 32 = 102 thousand

Sales volume of grey colour

= + +( )2 27 34 = 63 thousand

Sales volume of white colour

= + +( )32 45 43 = 120 thousand

Thus, white is the highest selling colour and its percentage volume

=+ + + +

´120

95 105 102 63 120100

= =12000

48525%

46. (c) Percentage increase in sales between 2010 and 2011 for blue

=-

´48 32

32100 = 50%

For lemon =-

´ =32 23

23100 39%

For red =-

´45 30

30100 = 50%

For grey =-

´34 27

27100 = 26%

Thus, red and blue registered the highestpercentage increase.

47. (d) Sales volume in 2011

= + + + +( )45 48 32 34 43

= 202 thousand

Total sales volume in all the 3 yr

= 485 thousand

\ Required percentage

= ´ =202

485100 4164. %

48. (a) Sales volume of red, lemon and white refrigerators in 2010

= + +( )30 23 45 = 98 thousand

Sales volume of blue and grey in 2009 and2011 = + + +( )25 48 2 34 = 109 thousand

\ Required ratio = 98 109: = 9 10:

49. (b) When two teach ers from each stream are to be in cluded, then num ber of ways

= ´ ´42

52

32C C C

=- ´

´- ´

4

4 2 2

5

5 2 2

!

( )! !

!

( )! !

´- ´

3

3 2 2

!

( )! !

=´ ´

´ ´´

´ ´

´ ´´

´

´

4 3 2

2 2 1

5 4 3

3 2 1

2 3

1 2

!

!

!

!

!

!

= ´ ´ ´ ´ =2 3 5 2 3 180

50. (d) When no teacher from the Com merce stream is to be in cluded, then num ber ofways

= =- ´

=´ ´ ´

´ ´9

6

9

9 6 6

9 8 7 6

3 2 6C

!

( )! !

!

!

= ´ ´ =3 4 7 84

51. (c) When any teacher can be in cluded inthe com mit tee, then num ber of ways

= =- ´

126

12

12 6 6C

!

( )! !

68

Hints Solutions&

58. What is the dif fer ence be tween to tal num ber ofOf fi cers and Clerks?a. 29680 b. 34180 c. 32690d. 28680 e. None of these

59. In Kolkata, num ber for Spe cial ist Of fi cer isap prox i mately what percent of that of Of fi cers?a. 8.7% b. 9% c. 6.5%d. 8% e. 6.9%

60. In Chennai, the num ber of Clerks isap prox i mately, how much percent more than that ofOf fi cers?a. 18% b. 22% c. 20% d. 2% e. 13%

Directions (Q.Nos. 61-65) Study the graph carefully toanswer the questions that follow.

Preferences of People (In thousands) in using Different Modesof Transport over the Years

61. From 2001 to 2006, the total number of peoplewho preferred to travel by rail, was how manythousands?a. 7900 b. 8300 c. 9100d. 6300 e. None of these

62. What is the respective ratio of the number ofpeople preferring to travel by rail in 2006 to thenumber of people preferring to travel by rail in 2002?a. 31 : 27 b. 31 : 23 c. 23 : 31d. 27 : 31 e. None of these

63. In the year 2003, if all the buses reduced theirrates by 40% and 50% of the people who preferred totravel by rail, now preferred buses, then how manypeople (in thousands) prefer to travel by bus?a. 1750 b. 1569 c. 1458d. 1675 e. None of these

64. What is the respective ratio of the number ofpeople preferring to travel by bus to the number ofpeople preferring to travel by rail in the year 2005?a. 29 : 27 b. 9 : 10 c. 27 : 29d. 23 : 27 e. None of these

65. In 2003, the people preferring to travel by busrepresented approximately what percent of thepeople preferring to travel by own vehicles, busesand rails together in that year?a. 46% b. 54% c. 22%d. 14% e. 37%

Directions (Q.Nos. 66-70) Study the following tablecarefully and answer the questions given below.

Installed Capacity and Production of Vehicles Over the Years

CategoryInstalled Capacity Production

2000 2001 2002 2000 2001 2002

Tempo 70.0 79.0 89.5 41.2 51.8 58.6

Car 47.5 54.4 53.0 36.6 33.6 30.3

Jeep 14.0 14.0 14.0 10.5 12.0 13.3

Motor bike 77.5 77.5 80.0 68.0 96.9 98.0

Scooter 150.0 150.0 200.0 100.4 150.0 120.5

Auto 29.0 30.0 32.0 18.4 19.4 15.1

Capacity utilisation Production

Installed capacity=

66. The only category of automobiles, whichexperienced a steady decline in production wasa. Motor bike b. Jeep c. Autod. Tempo e. None of these

67. Which of the following statements are true?

I. All categories of automobiles experienced agrowth in production between 2001 and 2002.

II. In 2002 the capacity utilisation of jeeps was higher than that of motor bikes.

III. Cars, scooters and autos experienced a decline inproduction from 2001 to 2002.

a. Only I b. Only II c. Only IIId. II and III e. I and III

68. Capacity utilisation was the highest for whichcategory of automobiles in the year 2002?a. Jeep b. Tempo c. Scooterd. Motor bike e. None of these

69. Which of the following experienced no growth in installed capacity over the period of 2000 to 2002?a. Car b. Motor bike c. Jeepd. Auto e. None of these

70. Capacity utilisation was the lowest for whichcategory of automobiles in the year 2000?a. Scooter b. Tempo c. Card. Auto e. None of these

Directions (Q.Nos. 71-75) Study the followingPie-diagrams carefully and answer the questions givenbelow.

Quantity of various items produced and the amount earned byselling them Quantity produced total = 2000 tonne

Income by Selling the Products Total = 45 million

75

2001 2002 2003 2004 2005 2006

1600150014001300120011001000

900800700600500400300200100

0

Own Vehicle

Bus

Rail

Year

Nu

mb

er

of

Peo

ple

F16%

E21%

D17%

A18%

B13%

C15%

F16%

A15%

B17%

C12%

D18%

E22%

71. If the expenditure incurred in production ofProduct ‘C’ per tonne was ̀16000, what was thepercent profit earned?a. 12.5% b. 11.11% c. 12.25%d. 11.28% e. None of these

72. What is the average per tonne selling price of allthe six products together?a. ` 20525 b. ` 18500 c. ` 22500 d. ` 20500 e. ` 18525

73. What is the selling price of products ‘A’ pertonne?a. ` 17580 b. ` 18570 c. ` 17850 d. ` 18750 e. None of these

74. Approximately what was the average sellingprice per tonne of products D and E together?a. ` 21800 b. ` 22800 c. ` 22000d. ` 22500 e. ` 23500

75. Which product has the highest selling price pertonne?a. A b. B c. C d. D e. None of these

Directions (Q.Nos. 76-80) Study the following tablecarefully to answer these questions.

Marks Obtained by Six Students in Different Subjects at School Examination

Subject

Student

Marks obtained out of

History(75)

Geography(75)

Science (120)

Maths(150)

English(80)

Hindi (60)

P 45 53 100 117 50 45

Q 56 58 96 132 46 50

T 48 60 112 120 52 42

D 62 67 88 108 48 34

G 66 55 92 140 60 32

F 54 64 108 116 53 40

76. What are the average marks obtained by allstudents in English?a. 52.5 b. 64.38 c. 56.38d. 60.5 e. None of these

77. What is the average percentage of marksobtained by all the students in Science? (Rounded offto two digits after decimal.)a. 99.01% b. 82.78% c. 88.72%d. 78.88% e. None of these

78. What is the overall percentage of marks obtained by D in all subjects? (Rounded off to two digits afterdecimal.)a. 72.88 b. 76.28 c. 73.17d. 72.68 e. None of these

79. Which student has scored in Maths closest to theaverage marks in Maths?a. P b. Q c. T

d. F e. None of these

80. What is the ratio between total marks obtained in all subjects by F and G, respectively?a. 87 : 89 b. 89 : 87 c. 67 : 69d. 69 : 67 e. None of these

Di rec tions (Q.Nos. 81-90) Read the fol low ing pas sagecare fully and an swer the ques tions given be low it. Cer tainwords are given in bold in the pas sage to help you tolo cate them while an swer ing some of the ques tions.

Though the Cold War has ended, se lec tive tac tics are still con tin u ing for en sur ing the mil i tary and eco nomicdominance of de vel oped coun tries. Var i ous types oftech nol ogy de nial re gimes are still be ing enforced whichare now be ing mainly tar geted against de vel op ingcoun tries like India.

To day, we in In dia en coun ter twin prob lems. On one sidethere is a large scale strength en ing of our neigh boursthrough sup ply of arms and clan des tine sup port to theirnu clear and mis sile programmes and on the other side allef forts are be ing made to weaken our in dig e noustech nol ogy growth through con trol re gimes and dump ingof low-tech sys tems, ac com pa nied with high com mer cialpitch in crit i cal ar eas. Growth of in dig e nous tech nol ogyand self-re li ance are the only answer to the problem.

Thus in the en vi ron ment around In dia, the num ber ofmis siles and nu clear pow ers are con tin u ously in creas ing and de struc tive weap ons con tinue to pile up around us,in spite of arms re duc tion treaties.

To un der stand the im pli ca tions of var i ous types ofwar fare that may af fect us, we need to take a quick lookat the evo lu tion of war weap onry and the types ofwar fare. I am high light ing this point for the rea son thatin less than a cen tury we could see change in the na tureof war fare and its ef fects on society.

In early years of hu man his tory it was mostly di recthu man war fare. Dur ing the twen ti eth cen tury upto about1990, the war fare was weapon driven. The weap ons usedwere guns, tanks, air craft, ships, sub ma rines and thenu clear weapons de ployed on land/sea/air and alsore con nais sance space craft. Pro lif er a tion of con ven tional nu clear and bi o log i cal weap ons was at a peak ow ing tothe competition be tween the superpowers.

The next phase, in a new form, has just started from 1990 on wards. The world has grad u ated into eco nomicwar fare. The means used is con trol of mar ket forcesthrough high tech nol ogy. The par tic i pat ing na tions, apart from the USA, are Ja pan, the UK, France, Ger many,cer tain South-East Asian coun tries and a few oth ers. Thedriv ing force is the gen er a tion of wealth with cer taintypes of eco nomic doc trine.

The ur gent is sue we need to ad dress col lec tively as ana tion is, how do we han dle the tactics of eco nomic andmil i tary dom i nance in this new form com ing from thebackdoor? To day tech nol ogy is the main driver ofeco nomic de vel op ment at the na tional level. There fore,we have to de velop in dig e nous technologies to enhiceour com pet i tive edge and to gen er ate na tional wealth inall seg ments of econ omy. There fore, the need of the hour is arm India with technology.

81. Why do cer tain coun tries use se lec tive tac ticsagainst de vel op ing coun tries?a. To help de vel op ing coun tries gain mil i tary and eco nomic

in de pend enceb. To help developing coun tries govern them selves and be

eco nom i cally in de pend ent

76

Part III English Language

c. To ally with de vel op ing coun tries to dom i nate over otherde vel oped coun tries

d. To cur tail their dom i na tion over de vel op ing coun triese. None of the above

82. Which are the is sues of great con cern thatIn dia is fac ing at pres ent, ac cord ing to the au thorof the pas sage?

A. The sup ply of high-tech weap onry by othercoun tries to In dia’s neigh bours who are likelyto use the same against In dia.

B. Other coun tries se cretly help ing In dia’sneigh bours to strengthen their nu clear might.

C. Obstruction of In dia’s gen u ine ef forts tode velop its own nu clear technology.

a. A and B b. B and C c. A and C d. All of these e. None of these

83. En force ment of tech nol ogy den ial re gimes byde vel oped coun tries im plies which of thefol low ing?a. Dominance of de vel op ing coun tries over de vel oped onesb. Exploitation of de vel op ing na tions by the might ier onesc. Targeting of de vel oped coun tries by de vel op ing coun triesd. Sympathising with un der priv i leged coun triese. None of the above

84. The strik ing dif fer ence in war fare be fore andaf ter 1990 was the shift froma. guns, tanks, etc to nu clear weap onsb. ships and sub ma rines to spacecraftsc. weaponry to eco nomic war fared. economic forces to high tech nol ogy driven war faree. None of the above

85. Why ac cord ing to the au thor, is it nec es saryto ex am ine how weap onry and war fare haveevolved?

A. To un der stand their im pli ca tions for us.B. To learn the rapid changes that have taken

place in weap onry and war fare.C. To mas ter them and en able us to at tack our

en e mies.a. A and B b. A and C c. B and C d. All of these e. None of these

86. Ac cord ing to the au thor, the most ef fec tiveway to coun ter our ma jor prob lems is toA. de velop in dig e nous tech nol o gies.B. com pete with other coun tries in their war ring

tac tics.C. gen er ate na tional wealth in all seg ments of

econ omy.a. A and B b. B and C c. A and C d. All of these e. None of these

87. What, ac cord ing to the au thor, is the so lu tionto our prob lems in the in ter na tional field?

A. Im port ing up-to-date tech nol ogy and nu clearequipments from de vel oped coun tries.

B. De vel op ing our own in-house tech nol ogy.C. Elim i nat ing de pend ence on de vel oped

coun tries.a. A and B b. A and C c. B and C d. All of thesee. None of these

88. What is the gen eral out come of arms re duc tiontrea ties as a whole ac cord ing to the au thor of thepas sage?a. They seem to have be come to tally de functb. They have achieved the de sired out come in most casesc. They have re sulted in curb ing the trade of de struc tive weap onsd. Piling up of weap ons has sig nif i cantly re duced due to such

rea tiese. None of the above

89. What, ac cord ing to the au thor, is the im me di ateprob lem to be col lec tively re solved by our coun try?a. To coun ter the dom i nance of de vel oped coun tries through money

and mus cle powerb. To erad i cate pov erty and be come eco nom i cally self re li antc. To con trol the ex or bi tant rate of pop u la tion growthd. To de velop in dig e nous technology to man u fac ture might ier

weap onse. None of the above

90. Choose the word which is most nearly the same inmean ing as the word ‘Re con nais sance’ printed in bold as used in the pas sage.a. Investigation b. Reserved c. Recognizabled. Remedy e. Attack

Di rec tions (Q.Nos. 91-95) In each ques tion be low four wordswhich are indicated as (a), (b), (c) and (d), have been printedin bold, of which one word may be wrongly spelt orin ap pro pri ate in the con text of the sen tence. The letter of thatword is the an swer. If all the four words are cor rectly spelt,mark (e). i.e., “All Cor rect” as the an swer.

91. Non-com mu ni ca ble (a)/ diseases (b)/ are a ma jor (c)/concerned (d)/ for peo ple in this region. All correct (e)

92. The in dus try is poised (a)/ for a quan tum (b)/ jumpas it has ven tured into Indian markets which haveex cel lent (c)/ growth op por tu ni ties (d). All correct (e)

93. The Gov ern ment ad min is tra tion is re quired toun dergo (a)/ a rad i cle (b)/transformations (c)/ for betterser vice ori en ta tion (d). All cor rect (e)

94. The squwad (a)/ that was en trusted with the task ofdetection (b)/ of explosives and their neu tral isa tion (c)/has com pleted the as sign ment. (d) All cor rect (e)

95. The equipments (a)/ sed for surveillance (b)/ must bere li abil ity (c)/ and of ap pro pri ate. (d) quality. All cor rect (e)

Di rec tions (Q.Nos. 96-100) Which of the phrases a, b, c and (d) given be low should re place the phrase given in bold inthe fol low ing sen tence to make the sen tence gram mat i callymean ing ful and cor rect. If the sen tence is cor rect as it is and ‘No cor rec tion is re quired’ mark (e) as the an swer.

96. As soon as she opened the um brella, a scor pion fellabout of it.a. fell up from b. fell off fromc. fell out off d. fell from offe. No cor rec tion required

97. A true leader’s life is a saga of ded i cat ing to thecause of wel fare of hu man be ings.a. of ded i cated b. of hav ing ded i ca tion inc. of ded i ca tion to d. for ded i ca tion ate. No cor rec tion re quired

77

98. He firmly be lieves that a sig nif i cant change inthe struc tures of our var i ous de part ments isnec es sary.a. significant in change among the struc turesb. significant chang ing struc turesc. significantly chang ing through out the struc turesd. significant change among the struc turese. No cor rec tion re quired

99. De spite be ing con sid er able dif fi culty, this is oneof the most pop u lar ex er cise.a. considerably dif fi cult b. considerable dif fi cultc. considerable dif fi cul ties d. considerably and dif fi cultye. No cor rec tion re quired

100. The prayer is most likely to start at 6.00 am.a. be most likely started by b. is mostly liked to start atc. is mostly like to start ing at d. is most likely start ate. No cor rec tion re quired

Di rec tions (Q.Nos. 101-105) Re ar range the fol low ingsen tences A, B, C, D, E and F into a mean ing fulpara graph and then an swer the ques tions given be low it.

A. More over sal a ries in pub lic sec tor en ter prises arenot as com pet i tive as those of fered by pri vate orfor eign corporates.

B. This trend should be a wake up call for stakeholdersto ex am ine why employees are seek ing betterop por tu ni ties with pri vate com pa nies in In dia andabroad.

C. Pub lic Sec tor En ter prises (PSEs) have beenexperiencing se vere chal lenges in at tract ing,mo ti vat ing and re tain ing their key staff.

D. Hav ing iden ti fied these as the rea sons em ploy eesleave PSEs it is im por tant to em power stake holdersto find ways to rem edy the situation.

E. One rea son is that young em ploy ees lured away topri vate firms are more will ing to un der takeprofessional risks.

F. Em ploy ees in spe cial ist roles es pe cially havebe come in creas ingly dif fi cult to re tain.

101. Which of the fol low ing should be the FIRSTsentence af ter re ar range ment?a. A b. B c. C d. D e. E

102. Which of the fol low ing should be the SECONDsen tence af ter re ar range ment?a. B b. C c. D d. E e. F

103. Which of the fol low ing should be the THIRDsen tence af ter re ar range ment?a. A b. B c. C d. D e. E

104. Which of the fol low ing should be the FIFTHsen tence af ter re ar range ment?a. A b. B c. C d. D e. E

105. Which of the fol low ing should be the SIXTH(LAST) sen tence af ter re ar range ment?a. A b. B c. C d. D e. E

Di rec tions (Q.Nos. 106-115) In the fol low ing pas sagethere are blanks each of which has been num bered.These num bers are printed be low the pas sage andagainst each five words have been sug gested, one ofwhich fills the blank ap pro pri ately. Find out theap pro pri ate word in each case.

Tra di tional bank ar chi tec ture is based on bank branches. These branches en sure the phys i cal (106) of acus tomer’s sav ings. A cus tomer may go there to de positand with draw money, (107) loans and (108) in otherfi nan cial trans ac tions. In the past two de cades bank ingarchitecutre has changed–the Au to mated Teller Machine (ATM) has been a big (109) and credit and debit cardshave cre ated new fi nan cial spaces. (110) the bankbranch has re mained the bed rock of the bank ingsys tem–af ter all a per son needs a bank ac count in abranch be fore he can op er ate a debit or ATM card. Thismay be about to change as tech no crats now (111) cellphones as the new ar chi tec ture of vir tual banks. This has the po ten tial to make branches (112). Cell phone bank ing looks es pe cially rel e vant for India since it can pen e tratethe coun try side cheaply and (113). The world over cellphones are spreaing at a (114) rate and in In dia alonenew cell phone con nec tion are grow ing at the rate of sixmil lion a month a rate of cus tomer (115) that no bankcan dream of.106. a. knowledge b. security c. presence

d. confidentiality e. guarantee

107. a. negotiate b. advance c. creditd. disburse e. sanction

108. a. pursue b. interact c. operated. enable e. engage

109. a. drawback b. hurdle c. consequenced. luxury e. innovation

110. a. Despite b. Although c. Evend. Yet e. Until

111. a. view b. realise c. displayd. engineer e. assess

112. a. essential b. obsolete c. extantd. retreat e. expired

113. a. moderately b. occasionally c. compulsorilyd. indiscriminately e. effectively

114. a. phenomenalb. gradual c. proportionate d. competitive e. projected

115. a. discount b. base c. expansiond. satisfaction e. relationship

116. When was the currency system in Indiaconverted into decimal system?a. April 1, 1949 b. April 1, 1959c. April 1, 1957 d. April 1, 1969e. April 1, 1971

117. Which of the following is the first RegionalRural Bank (RRB) of India?a. Prathama Bank b. AP Grameena Vikas Bankc. Chaitanya Godavari d. Andhra Pragathie. Baroda UP Gramin Bank

78

Part IV General Banking and Financial Awareness

1. (e) 2nd June ® Monday

Other Mondays ® 9,16, 23

June 19 ® Thursday

The password series for the first shift onThursday.

jo shahid hue hain un ki yaad

The password series for the second shifton Thursday.

ki un hain hue shahid jo yaad

First word

2. (e) The password series for the first or third shift on Wednesday.

hue hain un ki jo shahid yaad

The password series for the second shifton Wednesday.

shahid jo ki un hain hue yaad

Middle word

3. (a) The password series for the first orthird shift on Monday and Thursday is thesame.

The password series for the first shift onThursday.

mujhe tum se kuchch bhi na chahiye

The password series for the second shifton Thursday

na bhi kuchch se tum mujhe chahiye

Last word

The last word of the password series for all the three shifts on everyday of the weekremains the same

4. (d)

Conclusion I. ü II. ü III. ü

All follow.

5. (d)

Conclusion I. Î II. Î III. ü

Only III follows

6. (d)

Conclusion I. ü II. ü III. ü

All follows.

Solutions (Q.Nos. 7-9) Seating arrangement of eight friends is as shown below

7. (d) 8. (b) 9. (a)

10. (b) Cases of road accidents increase onlywhere traffic rules are not followed, so in orderto avoid road accidents, traffic notice shouldseverely punish those who found to beviolating traffic rules.

11. (b) As the significant number ofundernourished children has been observed in the rural parts of the country. Hence, in orderto check it government should introduceschemes like free meals in primary schoolsand make primary education compulsory.

12. (e) 13. (b) 14. (a) 15. (d) 16. (c)

Solutions (Q.Nos. 17-19) According to thegiven information

CandidateConditions

(i) (ii) or B (iii) (iv) or A (v)

NayanDastur

ü ü ü ü ü ü ü

SunilKamath

ü ü ü ü ü ü ü

Md. Yusuf ü ü ü ü ü ü ü

17. (a) Nayan Dastur fulfils all conditions so, he is to be selected.

18. (b) Sunil Kamath does not fulfil condition(iv) but fulfil A. So, his case is to be referred toHead-Marketing Division.

19. (a) Md. Yusuf fulfils all conditions. So, he isto be selected.

20. (d) M - T Þ M is the brother of T.

T ̧J Þ T is the fa ther of J.

J - R Þ J is the brother of R.

So, M is the maternal uncle of R.

R - T Þ R is the brother of T.

T ̧M Þ T is the fa ther of M.

M - K Þ M is the brother of K.

So, M is the nephew of R.

R + T Þ R is the sis ter of T.

T ̧M Þ T is the fa ther of M.

M + K Þ M is the sis ter of K.

So, M is the niece of R.

21. (e) W ̧T Þ W is the fa ther of T.

T ̧J Þ T is the fa ther of J.

So, W is the grandfather of J.

J ̧T Þ J is the fa ther of T.

T × W Þ T is the mother of W.

So, J is the maternal grandfather of W.

J ́T Þ J is the mother of T.

T ́W Þ T is the mother of W.

So, J is the maternal grandmother of W.

J ́T Þ J is the mother of T.

T ̧W Þ T is the fa ther of W.

So, J is the grandmother of W.


Person Department Scale

A Finance III

B Sales III

C Finance III

D Sales I

E Finance III

F Operation II

G Sales I

H Operation II

22. (c) 23. (b) 24. (d)


H ® £ @ ® <

© ® ³ % ® =

$ ® >

25. (c) R © K Þ R ³ K

K d M Þ K > M

M H J Þ M £ J

\ R ³ K > M £ J

Conclusion I. J d K Þ J > K (False) II. M @ R Þ M < R (True)

III. M % R Þ M = R (False)

So, only II is true.

26. (e) W © K Þ W ³ K

K d R Þ K > R

R % N Þ R = N

\ W ³ K > R = N

Conclusion I. N @ K Þ N < K (True)

II. R @ W Þ R < W (True)

III. W d N Þ W > N (True)

All I, II and III are true.

27. (a) 28. (a) 29. (e)

30. (d) Seats can be increased only wheninfrastructure is suitable and such decision

taken late generally.

31. (c) 32. (c) 33. (a) 34. (d) 35. (b)

36. (a) 37. (a) 38. (a) 39. (d) 40. (b)

41. (b) 42. (e) 43. (c) 44. (d) 45. (d)

46. (d) Num ber of boys in Course A

= ´ - ´20

1001200

30

100800

= -240 240 = 0

Number of boys in Course B

= ´ - ´15

1001200

10

100800

= -180 80 = 100

Number of boys in Course C

= ´ - ´5

1001200

2

100800

= -60 16 = 44

Number of boys in Course D

= ´ - ´35

1001200

30

100800

81

Towel

Bedsheet

SockShoe Blanket

FruitFlower

Bud Leaf

Plant

Bangle

RingPearl

Gem

Dia

mo

nd

Jyoti

AmitaMeeta Anjali

Rani

Ra

dh

ika

Nisha Savita

Rig

ht L

eft

Hints Solutions&

Directions (Q.Nos. 1-10) Read the following passage carefully and answer the questions given below it. Certainwords are printed in bold to help you to locate them while answering some of the questions.

Once upon a time, there lived a herd of elephants at the bottom of the majestic Himalayas. Their leader was a rarewhite elephant who was an extremely kind-hearted soul. He greatly loved his mother who had grown blind and feebleand could not look out for herself. Each day this white elephant would go deep into the forest in search of food. Hewould look for the best of fruits to send to his mother through other elephants of the herd. But his mother neverreceived any. This was because the other members of the herd would always eat then up themselves. Each night,when he returned home, he would be surprised to hear that his mother had been starving all day. He was absolutelydisgusted with his herd. Then one day, he decided to leave them all behind and disappeared in the middle of thenight along with his dear mother. He took her to Mount Candorana to live in a cave besides a beautiful lake.

It so happened that one day, when the white elephant was feeding, he heard loud cries. A forester from Benaras hadlost his way in the forest and was absolutely terrified. The white elephant told him not to worry as he knew every inchof this forest and could take him to safety. He then lifted him on to his back and carried him to the edge of the forestfrom where the forester went on his merry way back to Benaras.

Oh reaching the city, he heard that king’s personal elephant had just died and the king was looking for a newelephant. His heralds were roaming the city, ‘announcing that’ any man who had seen or heard of an elephant fit fora king should come forward with the information. The forester was very excited and immediately went up to the kingand told him about the white elephant that he had seen on Mount Candorana. The king was quite pleased with theinformation and immediately dispatched a number of soldiers and elephant trainers along with the forester. Aftertravelling for many days, the group reached the lake besides which the elephants resided. They slowly crept down tothe edge of the lake and hid behind the bushes.

83

l This crack set con sists of 100 questions in three parts.l All questions are compulsory.l Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.

Do not spend too much time on any question.

Time 60 min Max. Marks 100

Part Subject Number of Questions Max. Marks

I Test of English Language 30 30

II Test of Reasoning 35 35

III Test of Numerical Ability 35 35

General Instructions

ASSISTANTPRE. (TIER-1) EXAM 2017

The New India Assurance Company Limited (NIACL)

mock paper-1 ONLINEEXAM

APRIL 22 & 23, 2017

Part I Test of English Language

The white elephant was collecting lotus shoots for his mother’s meal and could sense the presence of humans. When he looked up, he spotted the forester and realised that it was he who had led the king’s men to him. He was very upset at theingratitude but decided not to put up a struggle as many of the men would be killed. And he was just too kind to hurtanyone. So he decided to go along with them to Benaras and then seek a solution to this problem.

On reaching the beautiful city of Benaras, the trainers laid out a feast for their new State elephant but he refused totouch a morsel. He did not respond to any kind of stimuli, be it the fragrant flowers or the beautiful and comfortablestable. He just sat there looking completely despondent. The king was extremely concerned. He offered the elephantfood from the royal table and asked him why he grieved in this manner. The white elephant replied that he would noteat a thing until he met his mother back home on Mount Candorana as she must be hungry because she was blindand had no one to feed her and take care of her.

He was afraid that she would die. The compassionate king was touched by the elephant’s story and assured him thathis soldiers would bring his old mother to the palace as soon as possible. The king kept his promise and his soldierstook good care of his mother as well for as long as she lived. She blessed the kind king with peace, prosperity and joytill the end of his days. In this way the white elephant could serve the king and also enjoy the royal perks at the king’spalace along with his mother.

1. What did the white elephant do when he realisedthat his mother had been starving even though hehad been sending food for her?a. He punished his herd members and told them to leave the

jungle.b. He went to Benaras to report the happenings of the herd to

the king.c. With the help of the king’s soldiers, he got the herd members

killed.d. He and his mother left the herd behind.e. None of the above

2. Why did the white elephant not put up a struggleagainst the king’s soldiers?a. He did not want anyone to get hurt in the struggle.b. He was blind and feeble and thus could not put up a struggle.c. He surrendered as he realised that he would not be able to

fight so many soldiers.d. He feared that the king may kill his mother if he did not go to

the palace.e. None of the above

3. Why did the white elephant collect food for hismother daily?a. The king did not provide food to the elephant’s mother.b. All the elephants from the herd refused to collect food for the

old mother elephant.c. The elephant’s mother could not fend for herself.d. The white elephant’s mother would not accept food from

anyone but her son.e. None of the above

4. Why was the white elephant upset to see theforester along with the king’s soldiers?a. He had invited only the forester and not the king’s soldiers to

the forest.b. The king’s soldiers had arrested the forester for concealing

the whereabouts of the white elephant.c. He did not expect such ingratitude from the forester as he

had helped him once.d. The forester, along with the soldiers had captured the white

elephant’s mother.e. None of the above

5. Which of the following best describes the king asmentioned in the passage?a. Ungrateful b. Weak and feeble c. Dishonestd. Sympathetic e. Ingenious

6. Why did the white elephant’s mother neverreceive the fruits sent by her son?

a. The other members of the herd would eat up the fruitsthemselves instead of taking them to her.

b. The king’s soldiers blocked her food supply in order to makeher weak and capture her to be taken to the king.

c. Because the king would never let any food sent by the whiteelephant reach his mother.

d. Because the ungrateful forester sold the fruits collected by the white elephant in Benaras.

e. None of the above

Directions (Q.Nos. 7-8) Choose the word which is mostsimilar in meaning to the word printed in bold as used in the passage.

7. Strugglea. Hardship b. Adversity c. Fightd. Striving e. Argument

8. Disappeareda. Hid b. Departed c. Escapedd. Disintegrated e. Strayed

Directions (Q.Nos. 9-10) Choose the word which is mostopposite in meaning to the word printed in bold as usedin the passage.

9. Feeble a. Strong b. Intense c. Unbreakabled. Preserved e. Substantial

10. Edgea. Blunt b. Beginning c. Indoorsd. Interiors e. Rim

Directions (Q.Nos. 11-15) Rearrange the following sixsentences A, B, C, D, E and F in the proper sequence toform a meaningful paragraph, then answer the questions given below them.

A. It was completely wet and useless now.

B. He therefore, did not think it was necessary to delayjoining the battle to repair it.

C. The Indian navy, thus suffered a defeat because asmall leak was neglected.

D. An Indian Captain received a report from his menthat the ship had sprung a leak.

E. The ship reached the scene of the battle in time butunfortunately it was found that seawater had got into the gunpowder.

F. It was only a minor one though.

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11. Which of the following should be the FIRSTstatement after rearrangement?a. A b. B c. C d. D e. E

12. Which of the following should be the SECONDstatement after rearrangement?a. B b. C c. D d. E e. F

13. Which of the following should be the THIRDstatement after rearrangement?a. A b. B c. C d. D e. E

14. Which of the following should be the FIFTHstatement after rearrangement?a. A b. B c. C d. D e. E

15. Which of the following should be the SIXTH(LAST) statement after rearrangement?a. B b. C c. D d. E e. F

Directions (Q.Nos. 16-20) Which of the phrases (a), (b),(c) and (d) given below should replace the phrase givenin bold in the following sentences to make the sentencegrammatically correct? If the sentence is correct as it isand there is ‘No correction required’ mark (e) as theanswer.

16. Recently there has been suddenly increased theprice of oil.a. suddenly increasing b. sudden increase fromc. a sudden increase in d. increased suddenlye. No correction required

17. That company is our rival since it providessimilar services to ours in a lowest rate.a. with lowest of rate b. in low ratesc. for as lower rates d. at lower ratese. No correction required

18. He advised his son not doing anything which isagainst his conscience.a. never to do b. not done c. to not doingd. no doing of e. No correction required

19. Even after talking the matter for hours we couldnot arrive at a decision.a. talking to b. talking over c. talked aboutd. talk through e. No correction required

20. Every employee is entitled to those benefits fromthe late regulations.a. underneath the later b. below the latestc. within the lately d. under the lateste. No correction required

Directions (Q.Nos. 21-25) Find out, whether there is any error in it. The error, if any, will be in one part of thesentence. The number of that part is the answer. If thereis ‘No error’, then your answer is (e).

21. She has started (a)/ much new initiative (b)/ tohelp underprivileged students (c)/ get an education.(d) No error (e)

22. I cannot sanction (a)/ such a large sum (b)/without no permission (c)/ of the manager. (d) Noerror (e)

23. Students will be (a)/ the worse affected (b)/ by the public transport (c)/ strike next week. (d) No error (e)

24. The management will be (a)/ taken a decisionabout (b)/ the training of the clerical (c)/ staff earlynext month. (d) No error (e)

25. This is one (a)/ of the few companies (b)/ who hasdone (c)/ well for the past two years. (d) No error (e)

Directions (Q.Nos. 26-30) Pick out the most effectiveword from among the given words to fill in the blanks tomake the sentence meaningfully complete.

26. We cannot ...... such a/an ....... act of violence.a. tolerate, insipid b. consider, importantc. commit, magnificent d. pardon, egregiouse. neglect, insignificant

27. ........... the broker had warned him that the stockwas a .......... investment, he insisted on buying athousand shares.a. Because, prudent b. Since, negligiblec. Because, speculative d. As, vulnerablee. Although, precarious

28. Due to ......... rainfall this year, they had to.....cutin water supply.a. scantly, lift b. heavy, regulate c. regular, clampd. sufficient, enforce e. inadequate, impose

29. He is so ..... that everyone is always ......... to helpin his work.a. helpful, reluctant b. aloof, cooperativec. adamant, enthusiastic d. miserly, ignorante. magnanimous, eager

30. Instead of ........... prove your worth by .........something.a. begging, demanding b. talking, doing c. worrying, paying d. writing, readinge. donating, demanding

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Directions (Q.Nos. 31-33) Study the fol low ingin for ma tion and an swer the ques tions given be low it.

A blacksmith has five iron articles A, B, C, D and E, eachhaving a different weight. A weighs twice as much as B.B weighs four and a half times as much as C. C weighshalf as much as D. D weighs half as much as E. Eweighs less than A but more than C.

31. E is lighter in weight than which of the other two articles? a. A, B b. D, C c. A, C d. D, B e. B, E

32. E is heavier than which of the following twoarticles? a. D, B b. D, C c. A, C d. A, Be. None of these

33. Which of the following represents thedescending order of weighs of the articles?a. A, B, E, D, C b. B, D, E, A, Cc. E, C, D, A, B d. C, A, D, B, Ee. A, B, D, E, C

Part II Test of Reasoning

Directions (Q.Nos. 34-38) Study the fol low ingin for ma tion care fully to an swer the given ques tions.

Nine friends L, M, N, O, P, Q, R, S and T are sittingaround a circle facing the centre. T sits fifth to the rightof R. N is not an immediate neighbour of either R or T.M sits between S and P. N sits fourth to the left of P.O sits second to the right of Q. S is not an immediateneighbour of T.

34. Who is second to the right of M? a. R b. T c. L d. Can’t be determined e. None of these

35. If all the nine friends are made to sitalphabetically in the clockwise direction starting from L, positions of how many will remain unchanged(excluding L)? a. None b. One c. Two d. Three e. Four

36. Four of the following five are alike in a certainway based on their seating positions in the abovearrangement and so form a group. Which is the onethat does not belong to the group?a. LP b. SP c. TS d. LN e. QO

37. Who is fourth to the left of L?a. M b. R c. Nd. S e. None of these

38. What is the position of P with respect to Q?a. Fifth to the left b. Fifth to the right c. Fourth to the leftd. Fourth to the right e. Either (b) or (c)

Directions (Q.Nos. 39-41) Study the fig ure and an swerthe ques tions that fol low.

Depicts an area where people speak four differentlanguages. The triangle depicts English speaking area,the square depicts Hindi speaking area, the circle stands for Urdu speaking area and the rectangle for area wherepeople speak Marathi. Each parts is numbered.

39. Which number depicts the area where, the threelanguages, English, Marathi and Urdu are spoken but Hindi is not spoken? a. 4 b. 11 c. 9d. 8 e. None of these

40. Number 2 depictsa. English and Hindi speaking areab. Only English speaking areac. Hindi and Marathi speaking aread. English and Marathi speaking areae. None of the above

41. Which number depicts Marathi, English andHindi speaking area not the Urdu speaking area? a. 4 b. 5 c. 9 d. 3 e. None of these

Directions (Q.Nos. 42-46) In each ques tion be low aretwo state ments fol lowed by two con clu sions I and II. Youhave to take the two given state ments to be true even, ifthey seem to be at vari ance from com monly known factsand then de cide, which of the given con clu sions log i cally fol lows from the given state ments dis re gard ingcom monly known facts. Give answer a. if only conclusion I followsb. if only conclusion II followsc. if either conclusion I or II followsd. if neither conclusion I nor II followse. if both conclusions I and II follow

42. State ment Some past ries are tof fees. All tof feesare choc o lates.

Con clu sionI. At least some chocolates are toffees.

II. Some toffees are definitely not pastries.

43. Statement Some players are singers. All singersare tall.

Con clu sion I. At least some players are tall.

II. All players being tall is a possibility.

44. Statement All stones are water. Some water areclean.

Con clu sionI. At least some stones are clean.

II. No stone is clean.

45. State ment Some phones are watches. Allwatches are guns.

Con clu sionI. All guns are watches.

II. Some guns are definitely not phones.

46. Statement All umbrellas are aeroplanes. Someaeroplanes are birds.

Con clu sionI. All umbrellas being aeroplanes is a possibility.

II. At least some birds are umbrellas.

Directions (Q.Nos. 47-51) In these ques tions, re la tionsbe tween dif fer ent el e ments is shown in the state ments.These state ments are fol lowed by two con clu sions. Study the conclusions based on the given statements andselect the appropriate answer.Give answera. if only conclusion I followsb. if only conclusion II followsc. if either conclusion I or II follows d. if neither conclusion I nor II followse. if both conclusions I and II follow

47. State ment N P, P F, F L, = £ ³ L K=

Con clu sion I. F K= II. F > K

48. State ment Z > T, T < M, M < J

Con clu sion I. T < J II. J < Z

49. State ment Q = Z, C G, G Q,³ ³ Q R, J C³ ³

Con clu sion I. G Z³ II. C R³

86

54 6

8 79

13

12

3

2

1

11 10

Hindi speaking area

Urduspeaking

areaMarathi

speaking area

Englishspeaking

area

1. MMID is a seven-digit number issued by banks for transfer of money.What does ‘I’ in MMID stands for?a. In put b. Internet c. Iden ti fier d. Ink e. Im me di ate

2. Which of the following is an electronic transfer system that operates in hourly batches?a. NEFT b. RTGS c. Paytm d. MICR e. UPI

3. In which of the following payment banks, the stakes are whollyowned by government of India?a. Paytm b. NSDL c. Bandhan Bankd. IPPB e. FINI pay tech

4. Rabobank is a multinational banking and financial services company.It is headquartered ina. Ger many b. France c. Swe den d. Swit zer land e. Neth er lands

5. EFTPOS is an electronic payment system involving electronic fundtransfers based on the use of payment cards, such as debit or creditcards, at payment terminals located at points of sale. What does ‘P’stands for in EFTPOS?a. Pay ment b. Par tial c. Panel d. Point e. Pub lic

6. Irom Chanu Sharmila is a political right activist and recently launchedPeople’s Resurgence Justice Alliance in which of the following States?a. Meghalaya b. Manipur c. Mizoramd. Nagaland e. Arunachal Pradesh

7. As per the draft guidelines for ‘on tap’ licensing of Universal Banks,released by RBI, maximum limit for foreign investment in India isa. 49% b. 71% c. 57% d. 74% e. 100%

8. The Global Citizen Fest was recently hosted in which of the followingcities?a. Delhi b. Jaipur c. Mumbai d. Bengaluru e. Gurugram

9. India has signed a deal of ` 5000 crore to buy M777 How it zerar til ler ies from which of the fol low ing coun tries?a. China b. Ja pan c. Rus sia d. The USA e. France

10. The rate at which RBI lends to the commercial banks, is calleda. Base Rate b. Repo Rate c. Re verse Repo Rated. SLR e. CRR

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Part I General Awareness

General InstructionsThis question paper has 200 multiple choice questions, which are divided into five parts.

Before the completion of time limit, the candidates are not permitted to submit their answers.

To navigate between questions, the candidates can click on the question number displayed to the right of the screen.

Reasoning

Computer Awareness

English Language

40

40

40

II

III

IV

Subject No. of QuestionsPart

40I General Awareness

* Based on Memory

Quantitative Aptitude 40V

-IBPS CWE VI

SOLVED PAPER

BANK CLERK

ONLINEEXAM

JANUARY 1,2017

Main Exam 2017

*

11. NFS is the largest network of shared AutomaticTeller Machines (ATMs) in India and is run by which of the following organisation?a. Stock Hold ing Cor po ra tion of In dia Lim itedb. Na tional Stock Ex changec. Na tional Se cu ri ties De pos i tory Lim itedd. Na tional Pay ments Cor po ra tion of In diae. Re serve Bank of In dia

12. Who was the UAE-based Indian teenager thathad recently won the International Peace PriceAward 2016?a. Meghna Pant b. Vaidehi Reddy c. Abhisekh Sahariad. Chhavi Kohli e. Kehkashan Basu

13. Which of the following is theme for the UnitedNations’s International Day of Persons withDisabilities?a. Sus tain able De vel op ment : The Prom ise of Tech nol ogy b. Break Bar ri ers, Open Doors : For an In clu sive So ci ety and

Ddevelopment for Allc. Achiev ing 17 Goals for the Fu ture we wantd. In clu sion Mat ters : Ac cess and Em pow er ment for Peo ple of

All Abil i tiese. To gether for a Better World for All : In clud ing Per sons with

Dis abil i ties in De vel op ment

14. The RBI original share capital was divided intoshares of 100 each fully paid, which were initiallyowned entirely by which of the following entities?a. Gov ern ment of In dia b. Brit ish Gov ern mentc. East In dia Com pany d. Pub lic Share hold erse. Pri vate Share hold ers

15. The International Criminal Court is anintergovernmental organisation and internationaltribunal that is headquartered in which of thefollowing countries?a. Neth er lands b. Swe den c. Swit zer landd. Den mark e. Ger many

16. Local Area Banks were set-up by thegovernment of India with jurisdiction over two orthree contiguousa. lo cal i ties b. cit ies c. statesd. dis tricts e. mu nic i pal i ties

17. India’s first banking robot Lakshmi to belaunched by City Union Bank in which of thefollowing cities?a. Bengaluru b. Chennai c. Mumbaid. Hyderabad e. Delhi

18. Which of the following is not included in market risk?a. In ter est rate risk b. Eq uity risk c. Cur rency riskd. Com mod ity risk e. Spe cific risk

19. The author of the trilogy ‘The Immortals ofMeluha’ isa. Kavita Kane b. Amish Tripathi c. Amitav Ghoshd. Vikram Seth e. Greg ory Rob erts

20. The Kumarakom Bird Sanctuary is located in the Indian State ofa. Tamil Nadu b. Jammu and Kash mirc. Karnataka d. Manipure. Kerala

21. The Heart of Asia summit to discuss regionalissues, particularly encouraging security, politicaland economical cooperation among Afghanistanand its neighbours was held in which of thefollowing cities?a. Is tan bul b. Kabul c. Amritsard. Delhi e. Hyderabad

22. The savings bank account, which does notoperate for more than 24 months, then the accountsis known asa. in ac tive ac count b. dor mant ac countc. in ac ces si ble ac count d. demat ac counte. in op er a tive ac count

23. Who was awarded the best actor award at theAsia Pacific Screen Awards 2016?a. Irrfan Khan b. Manoj Bajpayeec. Nawazuddin Siddique d. Ahmed Al-Rokhe. Da vid Puttnam

24. Which of the following is a web-based solutionto facilitate interbank, high volume, electronictransactions which are repetitive and periodic innature?a. SEBI b. NEFT c. Paytm d. NPCI e. NACH

25. What is the maximum period up to whichNBFCs can accept deposit from the date of receipt of such deposit?a. 12 months b. 24 months c. 48 monthsd. 84 months e. 96 months

26. Recently, RBI relaxed norms for 2-factorauthentication for payments up to which of thefollowing?a. ` 2000 b. ` 5000 c. ` 1000 d. ` 4000 e. ` 10000

27. Dr. M. Balamurali Krishna, recently passed away at the age of 82, was a well knowna. Di rec tor b. Carnatic singer c. Car di ol o gistd. Play wright e. Pol i ti cian

28. Gobind Sagar Dam is a man-made reservoirsituated in Bilaspur district. It is situated ina. Uttarakhand b. Uttar Pradesh c. Punjabd. Himachal Pradesh e. Jammu and Kash mir

29. Commercial Paper (CP) is an unsecured moneymarket instrument issued in the form of which ofthe following?a. Trea sury bills b. Cer tif i cate of de positc. Bills of ex change d. Prom is sory notee. Bank note

30. Asia’s first 207-km long cycling highway isinaugurated in the Indian State ofa. Kerala b. Madhya Pradesh c. Uttar Pradeshd. Uttarakhand e. Haryana

31. Joint training Exercise ‘Hand-in-Hand’ is heldbetween India anda. Rus sia b. USA c. China d. Ja pan e. France

32. The world’s first Bollywood theme park hasrecently been opened ina. Mumbai b. New York c. Dubaid. Hong Kong e. Paris

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33. If a person provides proof of having applied foran officially valid document, then the validity of theaccount is extended for how many months?a. Six b. Three c. Eight d. Twelve e. Four

34. Loans of very small amounts given to lowincome groups or poor households, is calleda. Mi cro credit b. Cash credit c. Sim ple over draftd. Ru ral credit e. No frills loan

35. Which of the following companies has recentlystarted a service to deliver cash at doorsteps through micro ATMs powered by the bank?a. Flipkart b. Snapdeal c. Am a zond. Uber e. Big Bas ket

36. Which of the following microfinance institutionis a Universal Bank?a. SKS Microfinance Pri vate Lim itedb. Disha Microfinance Pri vate Lim itedc. Arohan Fi nan cial Ser vices Pri vate Lim itedd. Bandhan Fi nan cial Ser vices Pri vate Lim itede. Annupurna Pri vate Lim ited

37. The Small Finance Banks also known asPayments Bank are mandated to open how muchpercent of their branches in rural unbanked areas?a. 28% b. 25% c. 30% d. 32% e. 44%

38. Which of the following is the Executive Directorof the RBI Working Group on Fin Tech and DigitalBanking?a. AK Pandey b. PG Apte c. B. Mahapatrad. Sudarshan Sen e. DK Mohanty

39. Which of the following is the only CentralRecord Keeping Agency appointed by thegovernment of India?a. CIBIL b. SEBI c. NABARDd. Stock Hold ing Cor po ra tion of In dia Lim ited (SHCIL)e. Na tional Se cu ri ties De pos i tory Lim ited (NSDL)

40. The National Financial Switch, which facilitatesrouting of ATM transactions, is developed by whichof the following organisations?a. RBI b. SEBI c. NPCI d. IDRBT e. SIDBI

Directions (Q.Nos. 41-44) Study the followinginformation carefully to answer the given questions.

In a certain code language

‘work for earning money’ is coded as ‘Go3 None 5 Xor4Farnin7’

‘like six years passed’ is coded as ‘Ti3 Qasse6 Zear5 Mik4’

‘hence good amount received’ is coded as ‘Seceive8lenc5 Hoo4 Bmoun6’

41. What is the code for last earning was money?a. Xa3 Mas4 None5 Farnin7 b. None5 Xa3 Mas4 Darnin7c. None5 Mas4 Farnin7 Xa3 d. Mas4 one5 Farnin7 Xa3e. None of these

42. If ‘money makes man perfect’ is coded as ‘Nake5 Qerfec7 Na3 None5’, then what is the code for goodpeople always perfect?a. Qeopl6 Hoo4 Blway6b. Hoo4 Qerfec7 Blway6 Qeopl6c. Qeople6 Hoo4 Qerfec7 Blway6d. Qerfec7 Blway6 Qeopl5 Hoo5e. None of the above

43. What is the code for ‘hence always wrong hance’?a. Blway6 lance5 Xron5 lenc5 b. Lanc5 Xron5 Blway5 Lenc5c. Lanc5 Xron5 Blway5 Lenc5 d. Blway6 Lenc5 Lanc5 Xron5e. Lanc6 Xron6 Blway5 Lenc5

44. ‘Framing’ is coded asa. Garmin7 b. Gramin8 c. Garing8d. Earnin7 e. Earnin8

Directions (Q.Nos. 45–50) Read the given informationcarefully and answer the given questions.

There are five units i.e., 1, 2, 3, 4 and 5. Each unit has adifferent height. Also each unit contains books and boxes.

Unit 2 is above Unit 1 and Unit 3 is above Unit 2 and soon. Every unit belongs to different country i.e., Beijing.Paris, London, Sydney and Zurich. The total height of allfive units is equal to 252” ft.

• Total height of unit is equal to the total height ofbooks plus total height of books plus total height ofboxes in each unit.

• Height of books is not equal to the height of boxes,unless specified.

The books belongs to London is an even unit. The totalheight of Unit 1 is 75 ft. Sydney is not a Unit 1. The totalheight of unit, which belongs to Sydney, is 55 ft. There is only one gap between London and Paris. The height ofbooks and height of boxes in Unit 3 are equal. Theheight of books in Unit 2 is not less than 30 ft.The booksUnit 4 are four more than books, which is in Unit 3.

The total height of London is not 37 ft. The total height of unit, which contains 37 ft is not taking the place, whichis immediately above a unit, which contains 20 ft morethan the unit, which belongs to Sydney. The height ofboxes in Unit 2 is 23 ft. Unit belongs to Zurich does notcontain the equal height of books and boxes. The totalheight of Unit 2 is an odd number and height is morethan 50 ft and less than 55 ft. Unit 1 contains 23 ftheight of boxes more than Unit 4 contains height ofboxes and Unit 5 contains 7 ft. height of books less than Unit 1 contains.

45. What is the total height in Unit 3?a. 37 ft b. 32 ft c. 53 ft d. 75 ft e. 80 ft

46. Unit 3 belongs to which country?a. Paris b. Zu rich c. Syd ney d. Beijing e. Lon don

47. If ‘Sydney’ is related to 37 ft in the same way asBeijing is related to 53 ft, which of the following is‘Paris’ related to, following the same pattern?a. 53 ft b. 37 ft c. 75 ft d. 32 ft e. 30 ft

48. Four of the following five are a like in a certainway and hence they form a group. Which one of thefollowing does not belong to that group?a. Syd ney b. 32 ft c. 75 ft d. Paris e. 37 ft

93

Part II Reasoning

49. What is the height of box in Unit 4?a. 23 ft b. 17 ft c. 27 ft d. 40 ft e. 20 ft

50. Which unit contains 30 ft book?a. Unit 2 b. Unit 3 c. Unit 1 d. Unit 5 e. Unit 6

Directions (Q.Nos. 51–55) Read the giveninformation carefully and answer the given questions.

Two buses A and B starts their journey from samedepot but not necessary in the same order. Bus Astarts moving 6 km towards North direction to pointP, which is in the 8 km of East from depot and thentake a right turn and move 18km to reach Point R,then take a left turn and move 12 km to reach Point S. Point P, Q and R lies in a same line.

Distance between P and Q is one third of thedistance between Q and R. Bus B starts to movetowards West 2km more than Point P, Q and R fromdepot and reach Point W, then take a right turn andwalk 18 km to reach Point U. U, V and W lies in thesame line as distance of V and W is double of thedistance between U and V. From Point U Bus B takea right turn and reach Point X. Point T lies between Uand X in exact midway.

51. What is the total distance between U and S?a. 29 km b. 32 km c. 36 km d. 30 km e. 28 km

52. In which direction is Point T with respect toPoint W?a. North b. South c. North-Westd. North-East e. South-West

53. A boy want to go to depot and starts walkingtowards South from Point W. After reaching Point V he suddenly realise that he is going to wrongdirection. So What is the shortest route from Point V to bus depot?a. Back to Point W then go to de pot from there.b. From Point V he should go to East di rec tion 14 km then

move to ward. South and reach de pot.c. From Point V go ing to wards North to reach Point U from

there, he should reach Point S, then Point R, then Point P, then de pot.

d. Both A and B are short est routee. Back to Point V, he should go to West direction14km then

move to wards North and reach de pot.

54. What is the distance between T and X?a. 14 km b. 12 km c. 16 km d. 18 km e. 6 km

55. Bus A is moving in which direction currently?a. West b. North-East c. Southd. North e. East

Directions (Q.Nos 56–60) In each of thesequestions, two statements marked as I and II areprovided. These may have a cause and effectrelationship or may have independent causes or bethe effects of independent causes. Read both thestatements and a. if state ment I is cause and state ment II is ef fectb. if state ment II is cause and state ment I is ef fectc. if state ment I and II both are in de pend ent causesd. if state ment I and II both are the ef fect of in de pend ent

causes.e. if both state ments are ef fect of sim ple cause.

56. State ment I. It is the bounden duty of eachmem ber of the civil so ci ety to con tain the air pol lu tionby con trib ut ing their best in this endeavour tosafe guard the health of their coun try men.

State ment II. The alarm ing air pullution in our coun tryis caus ing asthma cases to con stantly mul ti ply.

57. State ment I. The prices of petrol and die sel in thedo mes tic mar ket have re mained un changed for thepast few months.

State ment II. The crude oil prices in the in ter na tionalmar ket have gone up sub stan tially in the last few months.

58. State ment I. There has been an in crease in theun der ground wa ter level col umn at all places in Delhidue to the last year’s mon soon rains.

State ment II. Many trains had to be cancelled last yeardue to wa ter-log ging on the rail way tracks.

59. State ment I. The prices of sugar had risen verysharply in In dian mar kets last year.

State ments II. The gov ern ment im ported largequan ti ties of sugar as per trade agree ments with othercoun tries last year.

60. State ment I. The gov ern ment has re centlyfixed the fees for pro fes sional courses of fered by theun aided in sti tu tions which are much lower than thefees charged last year.

State ment II. The par ents of the as pir ing stu dentslaunched a se vere ag i ta tion last year pro test ing againstthe high fees charged by the un aided in sti tu tions.

Directions (Q.Nos. 61–64) Study the followinginformation and answer the questions given below.

J, K, L, M, N, O, P and Q are sitting around a circular tablefacing the centre. Each of them was born in a differentyear-1971, 1975, 1979, 1980, 1981, 1984, 1985, and 1990, not necessarily in the same order.

M is sitting second to the right of K. L is sitting third to theright of J. Only the one born in 1984 is sitting exactlybetween J and K.

N, who is the eldest is not an immediate neighbour of Jand M. Q is older than only M. Q is sitting second to theleft of P. P is not an immediate neighbour of N. J isyounger than L. K was born before O.

61. Who is the second eldest in the group?a. J b. L c. K d.P e. O

62. Who is sitting third to the right of O?a. The one born in 1979 b. The one born in 1980c. The one born in 1985 d.The one born in 1984e. The one born in 1981

63. In which year was Q born?a. 1979 b. 1975 c. 1980 d. 1985 e. 1981

64. Which of the following statements is trueregarding K?a. K is sit ting fourth to the right of Q.b. The one who was born in 1975 is sit ting to the im me di ate left of K.c. K is youn ger than Qd. There are three peo ple sit ting be tween N and Ke. K sits to the im me di ate right of J

94

1. (c) Mobile Money Indentifier (MMID) is a seven digit unique number issued by thebank upon registration. Remitter andbeneficiacy should have his MMID forduring his interbank funds transfer through mobile number and MMID.

2. (a) National Electronic Fund Transfer(NEFT) is a national-wide payment systemfacilitating one-to-one fund transfer. Underthis scheme, individuals, firms andcorporates can electronically transferfunds from any bank branch to anyidividual, firm or corporates having anaccount with any other bank branch in thecountry participating in the scheme.

3. (d) The India Post Payments Bank(IPPB) incorporated as a Public SectorBank under the Department of Posts with100% governmente of India equity. IPPBhas launch on January 30, 2017 in Ranchiand Raipur with the objective of beingpresent in all corners of India by the end of the year.

4. (e) Rabobank’s full name is Cooperative Rabobank. It is a Dutch multinatinalbanking and financial services companyheadquarters in Utrecht (Netherlands). It is a global leader in food and agriculturefinancing and sustainablity-orientedbanking.

5. (a) Electronic Fund Transfer at Point ofA Sale (EFTPOS) is an electronic paymentsystem involving electronic funds transferbased on the use of payment cards, suchas debit or credit cards, at paymentterminals located at points of sale.

6. (b) People’s Resurgence JusticeAlliance is a political party in the IndianState of Manipur. The party was found in2016 by Irom Sharmila, as a co-convener.

7. (d) 8. (c) 9. (d)

10. (b) Repo Rate is the rate at which theCentral Bank of a country lends money tocommerical banks in the events of anyshortfall of funds. Repo rate is used bymonetary authorities to control inflation

11. (d)

12. (e) A 16-year old Indian environmentalactivists based in the UAE has won theprestigious International Children’s peacePrize for her fight for climate justice andcombating environemental degradation inthe year 2016.

13. (c)

14. (e) The Reserve Bank of India is India’s central banking institution, which controlsthe monetary policy of the Indian Rupee. Itwas established on April 1, 1935 duringthe British Raj in accordance with theprovision I of the Reserve Bank of IndiaAct, 1934. The share capital was dividedinto shares of 100 each fully paid, whichwere initially owned entirely by privateshareholder. Following India’sindependence in 1947, the RBI wasnationalised in the year 1949.

15. (a) The Internatinal Court of Justice is the primary judicial branch of the United Nations (UN). seated in the Peace Palace in theHague (Netherlands). The court settles legaldisputes submitted to it by states andprovides advisory opinions on legalquestions submitted to it by duly authorisedinternational branches agencies and the UNGeneral Assembly.

16. (d) Local Area Banks were set-up as pergovernment of India scheme announced inAugust 1996. The intension of thegovernment was to set-up new private localbanks with jurisdiction over two or threecontiguous districts. The objectives ofestablisting the local area banks was toenable to mobilization of the rural savings by local institutions and make them available for investments in local area.

17. (b) India’s first banking robot ‘Lakshmi’made her debut in Chennai. Lakshmi, whichtook more than six months to develop, caninteract with customers on more than 125subjects.

18. (e) 19. (b) 20. (e) 21. (a) 22. (b)

23. (b) 24. (e) 25. (*) 26. (a) 27. (b)

28. (d) 29. (d) 30. (c) 31. (c) 32. (c)

33. (d) 34. (a) 35. (b) 36. (b) 37. (b)

38. (d) 39. (e) 40. (d)

Solutions (Q.Nos. 41-44) According to thegiven information,work for earning money ®

Go3 None5 Xor4 Farnin7 …(i)like six years passed ®

Ti3 Qasse6 Zear5 Mik4 …(ii)hence good amount received ®

Seceive8 lenc5 Hoo4 Bmoun6 …(iii)

41. (c) From Eqs. (i) and option (c),earning money ® None5 Farnin7

\ Last earning was money ®

None5 Mas4 Farnin7 Xa3

42. (b) monkey makes man perfect ® Nake5

Qerfec7 Na3 None5

Now, from Eq. (iii); good ® Hoo4

\ good people always perfect ®

Hoo4 Qerfec7 Blway6 Qeopl6

43. (d) From Eqs (iii)

hence ® lenc5

always ® Blway6

\ hence always wrong hence ®

Blway6 lenc5 lanc5 Xron

44. (a) Farming ® Garmin7

Solutions (Q.Nos. 45-50) According thegiven information,

UnitNumber

CountryHigh of (Book +

Box) = Total heightof Unit

5 Sydney 7 48 55+ = ft

4 London 20 17 37+ = ft

3 Beijing 16 16 32+ = fT

2 Paris 30 23 53+ = ft

1 Zurich 52 23 75+ = ft

45. (b) 46. (d) 47. (c) 48. (b) 49. (b)

50. (a)

Solutions (Q.Nos. 51-55) According togiven information, direction diagram of both buses are as follows

51. (b) 52. (e) 53. (a) 54. (a) 55. (d)

56. (a) Statement I is a cause of an incidentand statement II is its effect.

57. (c) The price of crude oil in internationalmarket is gone up and the prices of petroland diesel in the domestic market areremain unchanged is a different thing.Hence, both the statements areindependent causes.

58. (b) It is clear from statement II that there is heavily rain in Delhi in last year. So, therehas been an increase in the undergroundwater level. Hence, statement II is causeand statement I its effect.

59. (d) Statement I and II both are effect ofindependent causes.

60. (b)

Solutions (Q. Nos. 61-65 ) According to the given information arrangement is as follows

61. (c) 62. (c) 63. (c) 64. (d) 65. (d)

Solutions (Q.Nos. 66-70) According to thegiven information.

66. (e) 67. (b) 68. (e) 69. (b) 70. (c)

106

Answer Explanation&

T 14 km

V

9 km

14 kmX

Depot

8 km6 km

Q

P

18 km 2 kmR

W

12 km

S

U

18 km

N

S

E W

1971

1980 1979

1984 19811975

19901985

N

O

P

Q

J M

K

L

K

O

P

I

N J

L

M

71. (c) From statement I, II and III,

From Eq. (i) and (ii), come ® ga

Hence, it is clear that statement I, and II issufficient to answer the question.

72. (d) From statement I,

Here, It is clear that B and F are brother ofA. So, B and F are sons of D whereas thegender of is not clear.

From Statement II and III,

It is clear that gender of A is male.

Hence, A is also son of D.

So, D have three sons, A, B and F.

Hence, all the three statements aresufficient to answer the question.

73. (d) From statement I, II and III,

P S T Q R

It is clear from above that T is in the middle while standing in the line.

Hence, all the three statements aresufficient to answer the question.

74. (d) 75. (b)

76. (c) The withdraw of new product fromthe market cannot be a reason that theready to mix tea was a available only inlarge packing.

Solutions (Q. Nos. 77-80) According to thegiven information

and G D F C E A B+ - + + - -> > > > > >

69 38 35

77. (c) Given, B D+ = 75

and D = 69

\ B = - =75 69 6

Þ B = 6 years

78. (c) 79. (b) 80. (c) 81. (a) 82. (b)

83. (a) 84. (a) 85. (b) 86. (b,c)87. (a)

88. (d) 89. (a) 90. (a) 91. (b) 92. (d)

93. (b) 94. (b) 95. (b) 96. (a) 97. (a)

98. (a) 99. (a) 100. (e) 101. (d) 102. (a)

103. (a) 104. (b) 105. (d) 106. (*) 107. (a)

108. (c) 109. (e) 110. (e) 111. (c) 112. (a)

113. (a) 114. (c) 115. (d) 116. (c) 117. (a)

118. (a) 119. (a) 120. (a) 121. (e) 122. (d)

123. (e) 124. (a) 125. (b) 126. (a) 127. (d)

128. (e) 129. (d) 130. (a) 131. (b) 132. (b)

133. (b) 134. (d) 135. (e) 136. (d) 137. (d)

138. (a) 139. (d) 140. (e) 141. (a) 142. (e)

143. (c) 144. (c) 145. (b) 146. (b) 147. (e)

148. (d) 149. (e) 150. (e) 151. (a) 152. (e)

153. (d) 154. (e) 155. (a) 156. (c) 157. (a)

158. (e) 159. (d) 160. (e)

161. (e) Let, speed of bus (without halt)

= x km/he

Then, Td

x1 = (without halt)

Þ Tx

1

60= …(i)

and Td

x2

8=

-(with halt)

Þ Tx

2

60

8=

-…(ii)

Now, according to the question,

T T2 1 20- = min

Þ 60

8

60 20

60x x-- =

Þ 601

8

1 1

3x x--

é

ëê

ù

ûú =

Þ 1

8

1 1

180x x-- =

Þ x x

x x

- +

-=

8

8

1

180( )

Þ x x2 8 1440- =

Þ x x2 8 1440 0- - = …(iii)

Now, solving Eqs. (iii), we have

x » 42

Hence, speed of bus = 42 km/h

162. (e) Let, monthly salary ofMr. Dugabatti = ` x

Expenses or rent and domestic items

= ´ +x ( )%24 30 = ´x 54%

= ´ =xx54

100

54

100`

\ Rest amount from salary

= - =xx x54

100

46

100`

Now, Investment in fixed deposit andlottery = 9a and 7a

According to the question,

Þ 46

100

9

9 7124200

x a

a a´

+=

Þ 46

100

9

16124200

x a

a´ =

Þ x =´ ´

´

124200 16 100

46 9

Þ x = ` 48000

Now, rent paid by Dugabatti in a year

= ´4800024

100 = ` 115200

163. (c) Let, speed of boat in still water

= a km/h

and speed of current = b km/h

Then, a b+ =28

5…(i)

and a b- =13

5…(ii)

Solving Eqs. (i) and (ii), we have

a = 4 1. and b = 1 5.

\ peed of current = 1 5. km/h

164. (c) 165. (e) 166. (d)

167. (e) Let, total number of books sold bystore E in the month of December = x


Þ x ´-

=( )100 25

1001800

Þ x ´ =75

1001800

Þ x ´ =3

41800

Þ x =´

=4 1800

32400

Þ x = 2400

Now, total number of friction books sold by store E in both the months

= ´ + ´180030

1002400

42

100

= ´ + ´18 30 24 42

= +540 1008 = 1548

168. (c)

169. (e) Number of boys in school A

= ´ =160011

100176

Number of girls in school A

= ´ -æ

èç

ö

ø÷3000

10

100176

= - =300 176 124

Number of boys in school B

= ´ =160025

100400

Number of girls in school B

= ´ -æ

èç

ö

ø÷3000

23

100400

= - =690 400 290

\ Number of boys in school (A + B)

= + =176 400 576

Number of girls in school (A + B)

= + =124 290 414

Number of boys in school D

= ´ =160030

100480

Number of girls in school D

= ´ -æ

èç

ö

ø÷3000

25

100480

= - =750 480 270

Number of boys in school E

= ´ =160024

100384

Number of girls in school E

= ´ -æ

èç

ö

ø÷3000

30

100384

= - =900 384 516

Now, total number of boys and girls inschool (A + B)

= + + +[( )] [( )]176 400 124 290

= + =576 414 990

and total number of boys and girls inschool (D + E)

= + + +[( )] [( )]480 384 270 516

= + =864 786 1650

\ Required difference

= -1650 990 = 660

107

you may come here

come and go

you may go home

pit na ja od ...(i)

ja ta ter ...(ii)

od na pit ter ...(iii)

+G–D

–B

+F–

E

A +C

Brothers

FatherSister

Niece

170. (d) Number of boys in school C

= ´ =160010

100160

\ Number of girls in school C

= ´ -æ

èç

ö

ø÷3000

12

100160

= - =360 160 200

Total number of students in school C

= ´ =300012

100360


= ´ =200

360100

500

9% % = 55

5

9%

171. (b) Number of boys in school A

= ´ =160011

100176

Number of boys in school B

= ´ =160025

100400

\ Average number of boys in school A

and B =+176 400

2 = =

576

2288

172. (e) Number of boys in school E

= ´ =160024

100384

Number of girls in school E

= ´ -æ

èç

ö

ø÷3000

30

100384

= - =900 384 516


= ´ -æ

èç

ö

ø÷

516

384100 100 %

= - =( . )% . %134 375 100 34 375

» 35%

173. (d) Number of boys in school D

= ´ =160030

100480

and Number of girls in school D

= ´ -æ

èç

ö

ø÷3000

30

100480

= - =900 480 420

\ Required ratio = 480 420: = 8 7:

174. (a) Required number

= ´ =1

3262 87 3: » 87

175. (e) Let, total number of employees inorganisation A and B = x


Þ x x´ ´ - ´ ´ =40

100

25

100

30

100

10

100126

Þ 10

100

3

100126

x x- =

Þ 7

100126

x=

Þ x =´

= ´100 126

7100 18

Þ x = 1800

\ Number of non-MBA employees inorganisation A

= ´ ´ + + ´180030

100

20

1001800

70

100

80

100

= ´ ´ + ´ ´18 3 2 18 7 8

= + =108 1008 1116

Now, numberof of non-MBA employees inorganisation B

= ´ ´ + ´ ´180040

100

75

1001800

60

100

90

100

=´

´ + ´1800

100 10040 75 60 90( )

= ´ ´ + ´ ´18

10025 40 3 6 9 4( )

= ´ ´ + ´18

410 3 6 9( )

= + = ´ =18 30 54 18 84 1512( )

\ Required difference = - =1512 1116 396

176. (c) 177. (e)

178. (a) Total number of employee inorganisation A = 1800

and total number of employee inorganisation C = + + =1260 672 228 2160


=-

´( )

%2160 1800

1800100

= ´ =360

1800100 20% %

179. (a) Let, average rating for film C = x


Þ84 72

108

16

21

´

´=

x

Þ 108 16 84 72 21´ ´ = ´ ´x

Þ x =´ ´

´

84 72 21

108 16

Þ x = 73 5.

180. (d) 181. (e) 182. (b)

183. (e) \ Combined average rating = 58

\ Rating of every city= =58

229


56 29´ =a

Þ a =29

56

and 77 29´ =b Þ b =29

77

Now, required percentage

=

-æ

èç

ö

ø÷

´

29

56

29

7729

77

100%

=-

´´ ´

29 77 56

77 56

77

29100

( )%

= ´21

56100% = =

75

237

1

2% %

184. (e) 18 women complete the work

= 24 days

\ 1 day work of 1 women =´

1

18 24

and 24 men complete the work = 15 days

\ 1 day work of 1 man =´

1

24 15

Now, 3 days work of 16 women

= ´ ´´

=16 31

18 24

1

9

\ Rest work = - =11

9

8

9

Now, 2 days work of 20 men

= ´ ´´

=2 201

24 15

1

9

\ Rest work = - =8

9

1

9

7

9

Now, time taken by 16 women to complete the work = x days

\7

9

16

18 241´

´´ =x

Þ x =´ ´

´=

9 18 24

7 16

243

7 days

Þ x = 345

7 days

185. (c) Let, CP of an article A = ` x

Then, CP of an article B

= + ´æ

èç

ö

ø÷` x x

20

100 = `

120

100

x

Now, MP of an article A

= + ´ =x xx50

100

150

100`

and MP of an article B

= + ´120

100

120

100

25

100

x x = `

150

100

x

\ SP of an article A

= - ´150

100

150

100

4

100

x x

= -15

10

3

50

x x =

-75 3

50

x x = `

72

50

x

and SP of an article B

= - ´150

100

150

100

0 5

100

x x .

= - ´15

10

15

100

1

200

x x

=-

=30000 15

20000

29985

20000

x x x


29985

20000

72

5030

x x- =

Þ29985 28800

2000030

x x-=

Þ 1185

2000030

x= Þ x =

´30 20000

1185

Þ x = 506 329. Þ x » ` 500

186. (c) Let, present age of Ram = x years

Given, x x+ = -17 2 6

Þ x = 23

\ Present age of Ram = 23 years

Now, let present ages of Vivan and Amitare 21a and 19a.

Then, 19 31 3a x+ =

Þ 19 31 3 23a + = ´

Þ 19 69 31a = -

Þ 19 38a =

Þ a = 2

\ Present age of Vivan

= = ´ =21 21 2 42a years

Now, age of Vivan after 4 years

= + =42 4 46 years

187. (c)

108

Directions (Q.Nos. 1-5) What will come in place ofquestion marks in the following equations?

1. 8 7 5 1752 2´ ´ - =( ) ?

a. 105 b. 95 c. 115


2. ( . ) ( . ) ( . ) ( . )0 125 0 25 0 5 0 53 2 2 7 3¸ ´ = -

a. 12 b. 18 c. 14


3. 64.5% of 800 36 4+ . % of 1500 382= +(?)a. 32 b. 38 c. 42 d. 48 e. 34

4. 567 4824 134 9- ¸ = ´?a. 33 b. 59 c. 37


5. 456

559

213

1118

- = - +?

a. 3

4b. 2

1

18c. 1

7

9

d. 111

18e. None of these

Directions (Q.Nos. 6-10) What approximate value willcome in place of question marks in the followingequations? (You are not expected to calculate the exactvalue.)

6. ( . ) ( . ) ( . ) ?4133 7 96 22022 2 2+ - =

a. 1280 b. 1440 c. 1580 d. 1540 e. 1380

7. 41% of 601 250 17 77- = -. ? % of 910a. 800 b. 500 c. 700 d. 650 e. 550

8. 52001 61 29 41¸ ´ = ´?a. 700 b. 600 c. 500

d. 550 e. 680

9. 70152

11699

112107

¸ ´ = ?

a. 700 b. 850 c. 900

d. 800 e. 650

10. 5378 3330 360´ ¸ = ?a. 200 b. 250 c. 300

d. 225 e. 325

Directions (Q.Nos. 11-15) What will come in place ofquestion marks in the following number series?

11. 5 6 9 14 21 ?a. 28 b. 24 c. 22


12. 15 16 14 17 13 18 ?a. 10 b. 23 c. 24


13. 1 4 15 64 325 ?a. 1630 b. 2275 c. 1956


14. 4 8 24 96 480 ?a. 2880 b. 2400 c. 960


15. 2 4 6 10 16 26 ?a. 36 b. 42 c. 28


16. The total age of A and B is 12 years more than that of totalage of B and C. C is how many years younger than A?a. C is elder than A b. 24

c. 12 d. Data inadequate

e. None of these

17. If the numerator of a fraction is increased by 200% andthe denominator of the fraction is increased by 250%,the resultant fraction is 3/14. What is the originalfraction?a.

1

2b.

3

14c.

1

6

d. 2

3e. None of these

18. A sells an article to B at a profit of 18%. B sells the sameto C at a profit of 20% C sells it to D at ` 2301 therebyearning a profit of 30%. The cost price of A isa. ` 1250 b. ` 1275 c. ` 1350

d. ` 1375 e. None of these

19. If the radius of a circle is increased by 50%, then itscircumference will increase bya. 25% b. 50% c. 75%

d. 100% e. None of these

111

Dossier

40 Quantitative Aptitude

20. A chemist has 10 L of a solution that is 10% nitric acidby volume. He wants to dilute the solution to 40%strength by adding water. How many litres of watermust be add?a. 15 L b. 20 L c. 18 L

d. 25 L e. None of these

21. A can do a job in 8 days and B in 12 days. They worktogether for 4 days. The remaining work is completed by C in 3 days. In how many days C alone can do thecomplete job?a. 12 days b. 15 days

c. 18 days d. 16 days

e. None of these

22. A lent be ` 5000 to B for 2 years and ` 3000 to C for4 years on simple interest at the same rate of interestand received ` 2200 in all from both as interest. Therate of interest per annum isa. 7% b. 5%

c. 71

8% d. 10%

e. None of these

23. A and B are two alloys of gold and copper prepared bymixing metals in the proportion 5 : 2 and 5 : 9respectively. If equal quantities of the alloy are meltedto from a third alloy C, the proportion of gold andcopper in C will bea. 12 : 13 b. 15 : 13

c. 19 : 13 d. Cannot be determined

e. None of these

24. The average cost of 5 books and 4 pens is ` 36. Theaverage cost of 7 books and 8 pens is ` 48. Find the cost of 12 books 12 pens together.a. ` 1016 b. ` 1044

c. ` 1020 d. Cannot be determined

e. None of these

25. A circular wire of radius 21 cm is bent in the from of arectangle whose side are in the ratio 5 : 6. The largerside of the rectangle is a.30 cm b. 34 cm c. 38 cm

d. 32 cm e. None of these

26. The average of the daily incomes of A, B and C is ` 250.If B earns ` 30 more than C and A earns double of C.What is the daily income of C?a. ` 195 b. ` 190 c. ` 180

d. ` 185 e. None of these

27. The ratio of the first and second class fares between the two stations is 3 : 1 and that the number of passengerstravelling by first and second class is 1 : 30. If ` 2400 iscollected as fare, the amount collected from secondclass passengers isa. ` 1500 b. ` 1650

c. ` 1800 d. Cannot be determined

e. None of these

28. The sum of the digits of a two digit number is 15 and thedifference between the two digits of the two digit number is 3. what is the product of the two digits of the two digitnumber?a. 56 b. 63

c. 42 d. Cannot be determined

e. None of these

29. A train passes two persons who are walking in thedirection opposite to the direction of train at the rate of10 m/sec and 20 m/sec respectively in 12 sec and 10 secrespectively. Find the length of the train.a. 500 m b. 900 m c. 400 m

d. 600 m e. None of these

30. In a test, minimum passing percentage for girls and boysis 30% and 45% respectively. A boy scored 280 marksand failed by 80 marks. How many more marks did a girlrequire to pass in the test if she scored 108 marks?a. 132 b. 140 c. 160


Directions (Q.Nos. 31-35) Study the following tablecarefully to answer the questions that follow :

Number of Students Studying in Six DifferentColleges over the Years

College

YearP Q R S T U

2004 2500 2250 2450 2150 2020 2300

2005 2040 2300 2400 2200 2090 2120

2006 2100 2150 2330 2250 2180 2260

2007 2280 2600 2260 2340 2250 2490

2008 2540 2540 2120 2380 2310 2520

2009 2320 2440 2500 2480 2400 2440

31. What is the total number of students from all the colleges together in the year 2005?a. 10350 b. 13150 c. 15310


32. What is the percent increase in the number of students in College T in the year 2007 from the previous year?(Rounded off to two digits after decimal)a. 8.33% b. 5.18% c. 6.63%

d. 3.21% e. None of these

33. What is the ratio of the total number os students inCollege S in the years 2006 and 2009 together to thetotal number of students in College U in the same years?a. 473 : 470 b. 470 : 473 c. 371 : 390

d. 390 : 371 e. None of these

34. What is the average number of students in all the colleges together in the year 2004? (Rounded off to the nearestinteger)a. 2208 b. 2196 c. 2144 d. 2324 e. 2278

35. The number of students in college P in the year 2008forms approximately what percent of the total number ofstudents in that college in all the years together?a. 11% b. 31% c. 18% d. 26% e. 23%

112

Directions (Q.Nos. 36-40) Study the following graphcarefully and answer the question given below it.

Total Number of Students Appeared and Qualified from Various Schools at a Scholarship Exam

36. The averave number of students qualified in theexamination from schools C and D is what percent of the average number of students appeared for theexamination from the same schools? (Rounded off to two digits after decimal)a. 58.62% b. 73.91%

c. 62.58% d. 58.96%

e. None of these

37. What is the ratio of the number of students appeared tothe number of students qualified at the scholarshipexam from school C?a. 7 : 12 b. 6 : 5 c. 9 : 13


38. What is the ratio of the number of students qualified inthe scholarship examination from school A and thenumber of students qualified in the examination fromschool B?a. 8 : 3 b. 5 : 7 c. 7 : 3


39. The number of students appeared for the scholarshipexam from school D is approximately, what percent ofthe total number of students appeared for the examfrom all the schools together?a. 12% b. 24% c. 29% d. 18 e. 8%

40. What is the difference between the average number ofstudents appeared in the scholarship exam from all thegiven schools and the average number of studentsqualified from all the schools together?a. 950 b. 1100 c. 990


113

1. (a) 8 7 5 1752 2´ ´ - =( ) ?

Þ 64 7 25 175´ ´ - = ?

Þ 11200 175- = ?

Þ 11025 = ?

Þ ? = 105

2. (d) ( . ) ( . ) ( . )0125 0 25 0 53 2 2¸ ´

= -( . )?0 5 3

Þ ( . ) ( . ) ( . )0 5 0 5 0 53 3 2 2 2´ ´¸ ´

= -( . )?0 5 3

Þ ( . ) ( . ) ( . ) ( . )?0 5 0 5 0 5 0 59 4 2 3¸ ´ = -

Þ ( . ) ( . )?0 5 0 59 4 2 3- + -=

Þ 9 4 2 3- + = -?

\ ? = 10

3. (a) 64.5% of 800 36 4+ . % of

1500 382= +(?)

516 546 382+ = +(?)

1062 38 2- = (?)

1024 2= (?)

( ) (?)32 2 2=

\ ? = 32

4. (b) 567 4834 134 9- ¸ = ´?

Þ 567 36 9- = ´?

Þ 531

9= ?

\ ? = 59

5. (e) 45

65

5

92

1

3

11

18- = - +?

? = - + -29

6

50

9

7

3

11

18

? =- + -87 100 42 11

18

? =-129 111

18

? = 1

6. (a) ( . ) ( . ) ( . ) ?4133 7 96 22 022 2 2+ - =

» + - =( ) ( ) ( ) ?41 8 222 2 2

» + - =1681 64 484 ?

1261 = »? ? = 1280

7. (c) 41% of 601 25017- .

= -? %77 of 910

» - = -246 250 701?

» + - =701 246 250 ?

» =700 ?

8. (b) 52001 61 29 41¸ ´ = ´?

» ´ = ´850 29 41?

» =24650

41? » =600 ?

9. (c) 701

52

11

699

112

107¸ ´ = ?

» ´ ´ =701

52

699

11

112

107?

» =900 ?

10. (d) 5378 3330 360´ ¸ = ?

» ´ ¸ =73 58 19 ? » =225 ?

11. (d) The given series is based on thefollowing pattern

6 5 1= + 9 6 3= +

14 9 5= + 21 14 7= +

\ ? = + =21 9 30

12. (e)

13. (c)

14. (a)

15. (b) The given series is based on thefollowing pattern

6 2 4= + ; 10 4 6= +

16 6 10= + ; 26 10 16= +

\ ? = + =16 26 42

16. (c) According to the question

A B B C+ = + + 12

A C= + 12 \ C A= - 12

Therefore, C is 12 years younger than A.

17. (e) Let, Original fraction =x

y

\x

y

´

´=

300

350

3

14

Þx

y= ´ =

3

14

35

30

1

4

+1

15

–2 +3 –4 +5 –6

16 14 17 13 18 12

×2+2

1 4

×3+3 ×4+4 ×5+5 ×6+6

15 64 325 1956

×2

4

×3 ×4 ×5 ×6

8 24 96 480 2880

3500

3000

2500

2000

1500

1000

500

0A B C D E

Appeared Qualified

School

Nu

mb

er

of

stu

de

nts

Hints Solutions&

18. (a) Let, the cost price fo A be ` x.Then, 130% of 120% of 118% of x = 2301

Þ130

100

120

100

118

1002301´ ´ ´ =x

Þ x =´ ´ ´

´ ´

æ

èç

ö

ø÷

2301 100 100 100

130 120 118

= ` 1250

19. (b) Let, the original radius be r.

New radius = 150% of rr

=3

2

Original circumference = 2pr

New circumference = ´ =23

23p pr r

Increase percent

=-

´æèç

öø÷ =

3 2

2100 50

p p

p

r r

r%

20. (a) According to question quantity of

nitric acid = ´ -101

101 L

Quantity of Water = - =10 1 9 L

Let x L of water be added.

Then, ( )104

1001+ ´ =x Þ x = 15 L

21. (c) ( )A B+ ’s 4 days’ work

= +æèç

öø÷4

1

8

1

12 =

+æèç

öø÷ =4

3 2

24

5

6

Remaining work = - =15

6

1

6

C can do 1

6 th of the work in 3 days.

\ C can do the complete work in

3 6 18´ = days

22. (d) Let, the rate of interest per annumbe r% according to the question,5000 2

100

3000 4

1002200

´ ´+

´ ´=

r r

Þ 100 120 2200r r+ =

Þ 220 2200r =

Þ r = =2200

22010%

23. (b) Gold in C = +æèç

öø÷ =

5

7

5

14

15

14

Copper in C = +æèç

öø÷ =

2

7

9

14

13

14

\ Required ratio = =15

14

13

1415 13: :

24. (b) Cost of 5 books and 4 pens

= ´ =` `( )36 9 324

Cost of 7 books and 8 pens

= ´ =` `( )48 15 720

\ Cost of 12 books and 12 pens

= ´ =` `( )324 720 1044

25. (e) Length of wire = 2pr

= ´ ´æèç

öø÷2

22

721

= 132 cm

Perimeter of rectangle

= +2 6 5( )x x cm = 22 x cm

22 132x =

Þ x = =132

226

Larger side = = ´ =6 6 6 36x cm

26. (c) Total income of A, B and C

= ´ =` `( )250 3 750

Þ A B C+ + = 750 ...(i)

Also, B C= + 30 ...(ii)

and A C= 2 ... (iii)

Substituting the value of A and B in (iii)we get,

2 30 750C C C+ + + =( )

Þ 4 30 750C + =

Þ 4 720C =

Þ C = =720

4180

\ Income of C = ` 180

27. (c) Ratio of amount collected from first and second class passengers

= ´ ´( ) : ( )3 1 1 30

= =3 30 1 10: :

\ Amount collected from second classpassengers

= ´æèç

öø÷ =` `

3

42400 1800

28. (e) Let, the number be

10x y+ and x y>

\ x y+ = 15 ...(i)

and x y- = 3 ...(ii)

On adding Eq. (i) and (ii) we get

x = 9

Then, From equation (i),

9 15+ =y

Þ y = - =15 9 6

\ xy = ´ =9 6 54

29. (d) Let, the speed of the train be x.

According to the question.

( ) ( )x x+ ´ = + ´10 12 20 10

Þ 6 60 5 10x x+ = +

Þ x = - =100 60 40 m/s

\ Length of the train

= + ´( )x 10 12

= + ´( )40 10 12 = 600 m

30. (a) If the maximum marks ofexamination be x, then

x ´= + =

45

100280 80 360

Þ x =´

=360 100

45800

\ 30% of 800 =´

=800 30

100240

= Minimum marks to pass for girls


= - =240 108 132

31. (b) Required number

= + + +2040 2300 2400 2200

+ + =2090 2120 13150

32. (d) Required percentage growth

=-

´ =2250 2180

2180100 3 21. %

33. (a) Required ratio

= + +( ) : ( )2250 2480 2260 2440

= =4730 4700 473 470: :

34. (e) Required average number

Þ

2500 2250 2450

2150 2020 2300

6100

+ +

+ + +´

Þ13670

6 Þ 2278 33 2278. »

35. (c) Required %

=+ + +

+ +

´2540

2500 2040 2100 2280

2540 2320

100

= = »254000

1378018 43 18. %

36. (b) The average number of studentsqualified for the examination fromschool C and D

=+

=2250 2000

22125

The average number of studentsappeared from the examination fromschool C and D

=+

=3250 2500

22875


= ´ =2125

2875100 73 91. %

37. (e) Required ratio

= =3250 2250 13 9: :

38. (e) Required ratio

= =1750 1250 7 5: :

39. (d) Required percentage

=´

+ +

+ +

2500 100

3000 2250 3250

2500 3000

(

)

= ´ =2500

14000100 17 85.

» 18% (approx)

40. (a) Average number of studentsappeared in all the schools together

= =14000

52800

Average number of students qualifiedfrom all the schools together

=+ + + +1750 1250 2250 2000 2000

5

= =9250

81850


= - =2800 1850 950

114

Directions (Q. Nos. 1-10) Read the following passage carefully and answer the questions given below it. Certainwords have been printed in bold to help you to locate them while answering some of the questions.

Though the US prides itself on being a leader in the world community, a recent report shows that it lags far behindother industrialised countries in meeting the needs of its youngest and most vulnerable citizens. The US has ahigher infant mortality-rate, a higher proportion of low birth-weight babies, a smaller proportion of babiesimmunised against childhood diseases and a much higher rate of adolescent pregnancies.

These findings, described as a ‘quiet crisis’ requiring immediate and far-reaching action, appeared in a reportprepared by a task force of educators, doctors, politicians and business people. According to the report, a fourth ofthe nation’s 12 million infants and toddlers live in poverty. As many as half confront risk factors that could harmtheir ability to develop intellectually, physically and socially. Child immunisations are too low, more children areborn into poverty, more are in substandard care while their parents work and more are being raised by singleparents. When taken together, these and other risk factors can lead to educational and health problems that aremuch harder and more costly to reverse.

The crisis begins in the womb with unplanned parenthood. Women with unplanned pregnancies are less likely toseek pre-natal care. In the US 80% of teenage pregnancies and 56% of all pregnancies are unplanned. The problemscontinue after birth where unplanned pregnancies and unstable partnership often go hand in hand. Since 1950, the number of single parent families has nearly tripled. More than 25% of all births today are to unmarried mothers. Asthe number of single parent families grow and more women enter the work force, infants and toddlers anincreasingly in the care of people other than their parents.

Most disturbingly, recent statistics show that American parents are increasingly neglecting or abusing their children. In only four years from 1987 to 1991, the number of children in foster care increased by 50%. Babies underthe age of one of the fastest growing category of children entering foster care. The crisis affects children under theage of three most severely, the report says. Yet, it is this period from infancy through pre-school years-that sets the stage for a child's future.

1. Which of the following does not constitute the ‘quietcrisis’ in the US as per the task force report?a. Lower pro por tion of new born ba bies with nor mal

weight

b. Higher in ci dence of ad o le cent girls be com ing mothers

c. Lower rate of babies surviving childhood diseases

d. Larger proportion of babies who are deprived ofimmunisation.

e. Increasing cases of teenage couples getting divorced

2. Which of the following statements is not true in thecontext of the passage?a. The number of single parent families today is

approximately three times more than four decades ago.

b. The number of children in the US entering foster carehas decreased after 1991.

c. In the US the number of infants living in poverty is about3 million.

d. Only 20% of all the pregnancies in the US are planned

e. About 6 million infants in the US are likely to developeducational and health problems.

3. The number of children born to married mothers inthe US is approximately how many times the numberof children born to unwed mothers?a. 1.5 times b. 2 times

c. 3 times d. 3.5 times

e. No mentioned in the passage

4. Children born out of unplanned pregnancies are highlyvulnerable becausea. they are raised by single parents

b. their parents are mostly poor

c. they are mostly malnourished

d. they are less likely to receive prenatal care

e. their parents are emotionally immature

5. The main focus of the passage in the plight ofa. or phaned chil dren b. teen age mothers

c. low birth weight babies d. unwed mothers

e. None of these

6. Children falling in which age group are most severelyaffected by the ‘quiet crisis ’?a. Be low 1 year b. Be low 3 years

c. Between 2 and 3 years d. Between 1 and 3 years

e. None of these

Directions (Q.Nos. 7-8) Choose the word which is mostnearly the same in meaning as the given words as used inpassage.

7. Confronta. Face b. Tol er ate c. Succumb d. Elim i nate e.Op pose

8. Abusinga. Cursing b. Beat ing c. III treating d. Accusing e. Oppressing

119

Dossier

40 English Language

Directions (Q. Nos. 9-10) Choose the word which ismost opposite in meaning to the given words.

9. Severelya. D rasti cally b. In tensely c. Mi nutely

d. Normally e. Slightly

10. Unstablea. Changing b. Steady c. Stagnant

d. Confined e. Constant

Directions (Q. Nos. 11-15) In each of the followingquestions, four words are given of which two words are most nearly the same or opposite in meaning. Find the two words which are most nearly the same or opposite in meaning.

11. A. Dreadful B. Pleasant C. Resentful D. Enviousa. A-B b. A-C c. C-D d. B-C e. B-D

12. A. Productive B. Drowsy C. Transparent D. Fruitfula. A-B b. A-C c. A-D d. B-C e. B-D

13. A. Slack B. Perfect C. Taut D. Mannisha. B-C b. A-B c. C-D

d. B-D e. A-C

14. A. Consent B. Colliery C. Conflict D. Assenta. A-C b. A-B c. A-D d. B-D e. C-D

15. A. Endeavour B. Travelable C. Strive D. Traumaa. A-B b. A-C c. A-D d. B-C e. B-D

Directions (Q. Nos. 16-20) Each question below has two blanks. There are five pairs of words below eachsentence. Choose the pair of words which can be filledup in the blanks in the sentence in the same order so asto complete the sentence meaningfully.

16. The ………… playing of loud music has led the angryresidents of this vicinity to file a police complaint andmove court against the organiser’s lack of ………… for thepeople’s need for a peaceful neighbourhood.a. peace ful; thought b. abrupt; hope

c. incessant; consideration d. fashionable; friendliness

e. intermittent; interpretation

17. The ………… of the chronic balance of payments deficitwhich has …………… the Finance Ministry under threePrime Ministry is very real.a. temp ta tion; re viled b. understanding; menaced

c. impact; underestimated d. obligation; blessed

e. dilemma; plagued

18. Britain for the present, is deeply ……… in economic troubles,and the economic future, heavily ……… looks uncertain.a. en grossed; re spon sive b. ingrained; skeptical

c. saturate; enveloped d. mired; mortgaged

e. re strained; participative

19. Our Constitution was based on the belief that the free………… of ideas, people and cultures is essential to the…………… of a democratic society.a. se lec tion; con cur rence b. interchange; Preservation

c. reversal; upholding d. dissemination; congruence

e. distinction; design

20. As this country has become more ………… industrial andinternationalised, it has like all Western democracies,experienced a necessary increase in the …………… of theexecutive.a. ur ban ised; role

b. ob jec tive; wealth

c. synthesised; efficiency

d. civilised; convenience

e. concretised; vision

Directions (Q. Nos. 21-25) Rearrange the following sixsentences A, B, C, D, E and F in the proper sequence toform a meaningful paragraph; then answer thequestions given below them.

A. To propose the idea of becoming perfected is not thesame as saying that we human beings can be perfect.

B. If only means that we are capable of learning,changing and growing throughout the span ourearthly life.

C. Learning is a process that begins at birth and laststill death.

D. This development through under-standing newthings, transforming and developing through may beconsidered as the perfection of soul.

E. Given that we are here to continually learn on thejourney of life, it seems that the ultimate goal oflearning is the perfection of our souls

F. Nor that we should be perfect in everything.

21. Which of the following should be the SECOND statement after rearrangement?a. A b. B c. C d. D e. E

22. Which of the following should be the FIRST statementafter rearrangement?a. A b. B c. C d. D e. E

23. Which of the following should be the FIFTH statementafter rearrangement?a. A b. B c. C d. D e. E

24. Which of the following should be the SIXTH (last)statement after rearrangement?a. A b. B c. C d. D e. E

25. Which of the following should be the THIRD statementafter rearrangement?a. A b. B c. C d. D e. E

Directions (Q. Nos. 26-30) In each question below asentence with four words printed in bold type is given.These are indicated as (a), (b), (c) and (d). One of thesefour words may be either wrongly spelt orinappropriate in the context of the sentence. Find outthe word which is wrongly spelt or inappropriate, if any.The letter of that word is your answer. If all the fourwords are correctly spelt and also appropriate in thecontext of the sentence, then mark (e) i.e., ‘All correct’ as your answer.

26. The economic imperative (a)/ for acquiring (b)/technological strengths do not warrant (c)/ repeatition(d)/ here. All correct (e)

120

27. The combination of a base of imported technology andcapabilities (a)/ built up indigenous (b)/ led initially (c)/ to product and process involvement. (d) All correct (e)

28. If a country does not learn to master these new realities of life, (a)/ our aspirations to (b)/ ensure theprosperity of people (c)/ may come to not. (d) Allcorrect (e)

29. Since vegetable and fruit consumption will increase infuture. (a)/ an appropriate choice (b)/ consideringago-climate input needs and economic (c)/ returnsshould be arrived at for every region. (d) All correct (e)

30. An en vi ron men tal (a)/ con cern that is likely to have (b)/im pli ca tions for (c)/ Indian agriculture is the emission ofgases like methane and carbon dioxide. (d) All correct (e)

Directions (Q. Nos. 31-40) In the following passage there are blanks, each of which has been numbered. Thesenumbers are printed below the passage and against each, five words are suggested, one of which fits the blankappropriately. Find out the appropriate words without changing the meaning of the passage.

Capital investment is essential for (31) of pro duc tive ca pac ity and add ing new ca pac ity for cur rent and fu turein dus trial growth. The (32) of this ar ti cle is to make an as sess ment of cap i tal in vest ment about per for mance ofecon omy in (33) and the in fra struc ture and man u fac tur ing sec tors in (34). The method of (35) growth in cor po ratein vest ment should, ide ally, be based on the avail able means of fi nanc ing an in vest ment pro ject. The bulk of thema jor pro jects in the pri vate cor po rate sec tor is (36) by the lead ing all In dia term-lend ing in sti tu tions namely theIn dus trial De vel op ment Bank of In dia (IDBI), the In dus trial Fi nance Cor po ra tion of In dia (IFCI), the In dus trialIn vest ment Bank of In dia (IIBI), ICICI Lim ited. (now ICICI Bank) and the In fra struc ture De vel op ment Fi nanceCom pany (IDFC). The fi nan cial sec tor re forms in the 1990’s have, in ef fect (37), the sources of fi nanc ing cor po ratepro jects, the par tic u lar, com mer cial banks have, in re cent years, started (38) fi nan cial as sis tance to cor po ratepro jects. Since a ma jor ity of the pri vate cor po rate entitlies, un der tak ing large pro jects, (39) the term lend ingin sti tu tions and banks for fi nanc ing the pro ject cost, the phas ing de tails of cap i tal ex pen di ture avail able in therelevant project reports would provide a base for estimating (40) growth in capital expenditure.

31. a. in stal la tion b. main te nance c. ag gra va tion

d. generation e. modernisation

32. a. prob lem b. ob jec tive c. sum mary

d. essence e. moral

33. a. ab stract b. globe c. de vel op ment

d. general e. details

34. a. par tic u lar b. ques tion c. view

d. future e. industrialisation

35. a. re in vent ing b. aug ment ing c. es ti mat ing

d. amplifying e. checking

36. a. fi nanced b. en ca pac i tated c. ana lysed

d. entrusted e. governed

37. a. re duced b. en larged c. de ac ti vated

d. curbed e. magnified

38. a. ar rest ing b. mon i tor ing c. reg u lat ing

d. providing e. withdrawing

39. a. mit i gate b. visit c. ex plore

d. finance e. approach

40. a. fas tid i ous b. slug gish c. likely

d. complete e. relevant

121

1. (e) Quiet crisis in the US is not anincreasing case of teenage couplesgetting divorced as per the task forcereport.

2. (b) It is not true is the context of thepassage that the number of childrenin the US entering foster care hasdecreased after 1991.

3. (c) The number of children born tomarried mothers is the US isapproximately three times the numberof children born to unwed mothers.

4. (d) Children born out of unplannedpregnancies are highly vulnerablebecause they are less likely to receiveprenatal care.

5. (c) The main focus of the passage ison the plight of low birth weightbabies.

6. (b) Children falling in the age-groupbelow three years are most severelyaffected by the quite crisis.

7. (d) 8. (c) 9. (e) 10. (b) 11. (a)

12. (c) 13. (e)

14. (a) ‘Con sent’ and ‘conflict’ form thepair of antonyms.

15. (b) ‘Endeavour’ means ‘Pur pose fulef fort’. ‘Trauma’ is its antonyms.

16. (c) ‘In ces sant’ has the mean ing of‘with out any stop page’ which givesthe right con text in the first blank. Inthe next blank, ‘consideration’ isproper usage.

17. (e) When the sit u a tion becomesdubious, then we should use‘di lemma’ which is suit able in the firstblank. Also, in the sec ond blank,‘plagued’ is the suitable usage.

18. (b)‘In grained’ gives the sense of‘be ing in a worse sit u a tion’ which hasthe right. Con text in the first blank. Inthe next blank, ‘skeptical’ is properusage.

19. (b) With the phrase that con tains‘idea’, it is better to use ‘‘in ter change’’with it. So, it is suit able in the firstblank. Also, in the sec ond blank,‘pres er va tion’ is the cor rect us age.

20. (a) For the first blank, ‘ur ban ised’ or‘civ i lised’ is suit able us age. But, in thesec ond blank, ‘role’ is suitable to beused.

21. (e) 22. (c) 23. (b) 24. (d) 25. (a)

26. (d) 27. (b) 28. (d) 29. (a) 30. (e)

31. (d) 32. (b) 33. (d) 34. (a) 35. (c)

36. (a) 37. (b) 38. (d) 39. (c) 40. (a)

Answers Explanationsand

1. Commands at the top of a screen such as File, Edit,Format and Tools to operate and change things areincorporated ina. Menu bar b. Tool bar c. User friendly

d. Word processor e. Tool box

2. Which of the following is the default page setuporientation for notes pages, outlines and handouts?a. Hyphenation b. Landscape c. Portrait

d. Footer e. Header

3. What type of web technology creates an onlinecommunity where people can make statements andothers can read and respond to those statements?a. I-Journal b. Podcast c. ASP

d. Blog e. Chat

4. The data to be encrypted at the sender site is called…………… and the data to be decrypted at the receiverend is called ……………a. Secret key; public key b. Public key; secret key

c. Plain text; cipher text d. Cipher text; plain text

e. Secret key; cipher text

5. When a logic bomb is activated by a time-related event,it is known as aa. Time-related bomb sequence

b. Virus c. Time bomb

d. Trojan horse e. Worm

6. Storage of instructions in computer memory to enables it to perform a variety of tasks in sequence orintermittently. Who introduced the idea of storedprogram concepts?a. Charles Babbage b. Dennis Ritchie

c. Howard Aiken d. John Neumann

e. Anna Lovelace

7. Which among the following term is used for:Unauthorised copying of software to be used forpersonal gain instead of personal backups? a. Program thievery b. Data snatching c. Software piracy

d. Program looting e. Data looting

8. Term referring to a person who uses his or her expertiseto gain access to other people’s computers to getinformation illegally or do damage?a. Hacker b. Analyst

c. Instant messenger d. Programmer

e. Spammer

9. To allow someone else schedules your meetings andappointments, ………… feature of Outlook is used. a. Monthly calendar b. Event manager

c. Appointments d. Delegate Access

e. None of these

10. Surgeons can perform delicate operations bymanipulating devices through computers instead ofmanually. This technology is known asa. Robotics b. Computer forensics

c. Simulation d. Forecasting

e. None of these

11. A ………… is a component of motherboard which absorbsthe heat produced by the processor and othercomponents of a computer. a. Heat sink b. Northbridge

c. CPU socket d. CMOS battery

e. None of these

12. An input device that utillses a light-sensitive detector toselect objects on a display screen is known asa. Optical scanner b. Touch screen

c. Light Pen d. Mouse

e. Keyboard

13. The ………… button on the Quick Access Toolbar allowsyou to cancel your recent commands or activities. a. Search b. Cut c. Undo

d. Redo e. Shift

14. AT&T designed its first commercial modem, specificallyfor converting digital computer data to analog signals for transmission across its long distance network. What isthe name of the modem?a. Telex b. Memex c. CompuServe

d. Bell 103 dataset e. Dataphone

15. Portable computer, also known as laptop computer,weighing between 4 and 10 pounds is called a. general-purpose application

b. Internet c. scanner

d. printer e. notebook computer

16. A ………… is a large and expensive computer capable ofsimultaneously processing data for hundreds orthousands of users. a. handheld computer b. mainframe computer

c. personal computer d. tablet computer

e. None of these

122

Dossier

30 Computer Knowledge

17. In computer programming, there is set of subroutinedefinitions, protocols, and tools for building softwareand applications. Which among the following is a termfor sets of requirements that govern how one application can talk to another?a. UPS b. API c. CGI d. J2EE e. OLE

18. BSoDs can be caused by poorly written device drivers ormalfunctioning hardware, such as faulty memory, powersupply issues, overheating of components, or hardwarerunning beyond its specification limits. Which colourscreen is displayed when encountered a BSoD Error?a. Red b. Grey c. Black d. Blue e. Green

19. Which of the following commands displays a list ofrouters on a path to a network destination in WindowsCommand Prompt?a. Ping b. Tracert c. Arp – a

d. Ipconfig/all e. None of these

20. The OSI model defines internetworking in terms of avertical stack of layers. The OSI model doesn't performany functions in the networking process. It is aconceptual framework so we can better understandcomplex interactions that are happening. Frame isprotocol data unit of which OSI Layer?a. Layer 7 b. Layer 3 c. Layer 8 d. Layer 1 e. Layer 2

21. What is Remote Desktop Connection?a. It was known as Terminal Services in Windows Server 2008

and earlier, it is one of the components of Microsoft Windows.

b. a technology that allows you to carry your computer inremote areas.

c. a technology that allows you to sit at the client computerand connect to the host remote computer in a differentlocation

d. Both (a) and (c)

e. All of the above

22. Which among the following is a proprietary audio/videointerface for transferring video data and digital audiodata from a source device to a compatible computermonitor or projector?a. RJ-45 b. 3.5mm Jack c. HDMI d. OSI e. USB

23. Which among the following is the diagnostic testingsequence that a computer’s basic input/output systemruns to determine if the hardware components areworking correctly?

a. BSoD b. POST c. Hybrid

d. SMTP e. None of these

24. A Bug can be called an error which generally comes in asoftware or a hardware. Which among the following isanother name that may refer to bugs in computers? a. Leech b. Squid c. Slug d. Glitch e. Skim

25. Which of the following general purpose software allowsyou to do mathematical or financial calculation? a. Word processing program b. Spreadsheet program

c. Presentation program d. Media player

e. DTP program

26. Which among the following is Microsoft's core set ofApplication Programming Interfaces (APIs) available inthe Microsoft Windows operating systems?a. Kernel b. WinAPI c. Windows ME

d. DOS e. None of these

27. A database table has two fields or columns that can beselected as the primary key. The first field or column willalways be considered as the primary key, and the second field or column is called thea. Primary key b. Alternate key c. Composite key

d. Foreign key e. Identity key

28. Which of the following statements is incorrect about amessage-switched network?a. It reduces traffic congestion.

b. It allows prioritising of messages.

c. It allows broadcasting of messages.

d. It is an inexpensive network.

e. It is not compatible with video conferencing.

29. What is the function of the AutoCorrect feature acrossall MS Office applications?a. Replacing misspelled words with the correct ones while

typing

b. Replacing grammatically incorrect words with the correctones

c. Replacing repetitive words with the word ‘same’

d. Replacing selected words with the word ‘auto’

e. None of the above

30. Which of the following is the correct binary form of4A2.8D ?a. 010010100010.100011012 b. 010110100010.111011012

c. 011110100010.100011012 d. 010010111110.100011012

e. 100010010101.100010102

1. (a) Those commands, options areavailable in menu bar.

2. (b) Page orientation is the way in which a rectangular page is oriented for normalviewing. By default, PowerPoint slidelayouts appear in landscape orientation.

3. (d) A blog is a regularly updated website or web page, typically one run by anindividual or small group that is written in an informal or conversational style.

4. (c) 5. (c) 6. (d) 7. (c) 8. (a)

9. (d) 10. (a) 11. (a)

12. (c) A light pen is a pointing device thatuses a photoelectric (light-sensitive) cellto indicate a position on the displayscreen.

13. (c) To undo an action Click UndoButton on the Quick Access Toolbar.Keyboard shortcut Press CTRL+Z orF2. For the F2 function key to undoyour last action, you might need topress the F-Lock key.

14. (e) In 1960's AT&T introduces itsDataphone, the first commercialmodem. The first commercial modemmade for converting digital computerdata at analog signals for transmission across long distance networks

15. (e) 16. (b) 17. (b) 18. (d) 19. (b)

20. (e) 21. (d) 22. (c) 23. (b)

24. (d) Glitch is a term used to expresstemporary malfunctioning of software.

25. (b) 26. (b) 27. (b)

28. (d) In a message-switched network, apacket containing the entire messageis transmitted over the network. It is amore expensive network.

29. (a) The AutoCorrect feature is usedto correct typo errors andmiss-spelt words automaticallyaccording to the words given in thelist for the AutoCorrect feature.

30. (a) The required conversion is asfollows :

Therefore,

4A2.8D = 010010100010.10001101

Answers Explanations&

0100

4

1010

A

0010

2

1000

8

1101

D

GuruBankin May 2017

What are soiled, mutilated and imperfectbanknotes?‘Soiled’ note means a note which has became dirty due tousage and also includes a two piece note pasted togetherwherein both the pieces presented belong to the samenote, and form the entire note. ‘Mutilated’ banknote is abanknote of which a portion is missing or which iscomposed of more than two pieces. ‘Imperfect’ banknotemeans any banknote, which is wholly or partially,obliterated, shrunk, washed, altered or indecipherable butdoes not include a mutilated banknote.

What is the Difference between RTGSand NEFT?Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) are electronic payment systems that allow individuals to transfer funds between banks. Boththese systems are maintained by the Reserve Bank of India. It is applicable only for money transfer within the country.

Under RTGS, the funds transfer takes place on a real timebasis, or in other words, at the time the request is received.It is one of the fastest interbank money transfer facilityavailable through banking channels in India. The beneficiary bank has to credit the recipient’s account within 30 minutes of receiving the funds transfer message. On the other hand, NEFT operates on a deferred settlement basis. Fundtransfer under NEFT is settled in batches as opposed to the real-time settlement process in RTGS. The batches aresettled in hourly time slots.

How Priority Sector Lending is linked toso called Double Financial Repression?As per the RBI circular dates July 7, 2016, there are eightbroad categories of the Priority Sector Lending viz.Agriculture, Micro, Small and Medium Enterprises, ExportCredit, Education, Housing, Social Infrastructure,Renewable Energy, Others.

Priority sector lending in India has been made a salientfeature of the banking in India mainly due to the social andeconomic objectives that underlie PSL. However, banks are also required to keep certain amount to maintain StatutoryLiquidity Ratio (SLR) and from the remaining disposableamount, 40% is dedicated for the priority sector.

Thus, large fraction of banks’ resources cause the so called ‘Double Repression’ on the banking system. The economicsurvey has brought this issue to the forefront and hasrecommended the government to re-structure SLR andPriority Sector Lending.

What is Pradhan Mantri Garib KalyanDeposit Scheme (PMGKDS) 2016?It is a scheme notified by the government of India onDecember 16, 2016 which is applicable to every declarantunder the Taxation and Investment Regime for PradhanMantri Garib Kalyan Yojana, 2016. The deposit under thisscheme shall be made by any person who declaresundisclosed income under sub-Section (1) of Section-199C of the Taxation and Investment Regime for Pradhan MantriGarib Kalyan Yojana, 2016. The deposit by a declarant shall not be less than 25% of the undisclosed income declaredunder sub-Section (1) of Section-199C of the Taxation andInvestment Regime for Pradhan Mantri Garib KalyanYojana, 2016. Deposit shall be made in multiples of ` 100.

Explain the Cash Management Bills?The government of India, in consultation with the ReserveBank of India (RBI), has decided to issue a new short-terminstrument, known as Cash Management Bills (CMBs), tomeet the temporary mismatches in the cash flow of thegovernment. The CMBs have the generic character ofT-bills but are issued for maturities less than 91 days. LikeT-bills, they are also issued at a discount and redeemed atface value at maturity. The tenure, notified amount and date of issue of the CMBs depends upon the temporary cashrequirement of the government. The announcement of theirauction is made by the RBI through a Press Release whichwill be issued one day prior to the date of auction. Thesettlement of the auction is on T+1 basis.

The non-competitive bidding scheme has not beenextended to the CMBs. However, these instruments aretradable and qualify for ready forward facility. Investment inCMBs is also reckoned as an eligible investment in thegovernment securities by banks for SLR purpose underSection-24 of the Banking Regulation Act, 1949. First set ofCMBs were issued on May 12, 2010.

What is Money Transfer Service Scheme(MTSS)?Money Transfer Service Scheme (MTSS) is a way oftransferring personal remittances from abroad tobeneficiaries in India. Only inward personal remittances into India such as remittances towards family maintenance andremittances favouring foreign tourists visiting India arepermissible. Under the scheme there is a tie-up betweenreputed money transfer companies abroad known asOverseas Principals and agents in India known as IndianAgents who would disburse funds to beneficiaries in Indiaat ongoing exchange rates.

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