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PRACTICE SET

IBPS PO-CWETest-I: Reasoning Ability

Directions (Q. 1-6): Study the following informationcarefully and answer the given questions.

There are eight friends S, T, U, V, W, X, Y and Z sittingaround a circular table facing the centre and playing cardsbut not necessarily in the same order. All of them have afavourite card among these eight cards. Out of these eightcards, four are Kings and four are Queens of spade, club,diamond and heart.

S likes the Queen of spade and is not an immediateneighbour of the one who likes the King of club. The onewho likes the Queen of diamond sits on the immediate leftof T, who likes the Queen of club. U likes the King of cluband sits third to the left of W. The one who likes the Kingof spade and the one who likes the Queen of diamond areimmediate neighbours of each other but both of them arethe neighbours neither of W nor of U. The one who likesthe King of diamond and the one who likes the Queen ofspade are immediate neighbours of each other. Neither Wnor V likes the King of diamond. Only X sits between theone who likes the Queen of diamond and the one who likesthe Queen of heart. Y sits third to the left of the personwho likes the King of diamond.1. Who likes the King of spade?

1) X 2) Y 3) Z4) Cant be determined 5) None of these

2. W likes which of the following cards?1) Queen of spade 2) King of heart3) Queen of heart 4) Cant be determined5) None of these

3. The liker of which of the following sits exactly betweenT and Z?1) Queen of club 2) King of diamond3) King of club 4) King of spade5) None of these

4. How many persons sit between V and the person wholikes the King of club?1) None 2) One 3) Two4) Three 5) None of these

5. Which of the following pairs are the immediateneighbour of that person who likes the King ofdiamond?1) T, U 2) S, T 3) W, S4) V, Y 5) None of these

6. Which of the following statements is/are true withrespect to Y?

1) Y is the immediate neighbour of that person wholikes the Queen of spade.

2) Y sits between T and X.3) Y is opposite the person who likes the King of

diamond.4) All are true5) None is trueDirections (Q. 7-11): In each question below are

given three statements followed by two conclusionsnumbered I and II. You have to take the given statementsto be true even if they seem to be at variance withcommonly known facts and then decide which of the givenconclusions logically follows from the given statements,disregarding commonly known facts. Give answer

1) if only conclusion I follows.2) if only conclusion II follows.3) if either conclusion I or II follows.4) if neither conclusion I nor II follows.5) if both conclusions I and II follow.

(7-8):Statements: Some papers are pencils.

No paper is a bottle.No pencil is a pen.

7. Conclusions: I. No pen is a bottle.II.No pen is a pencil.

8. Conclusions: I. Some pencils are not papers.II.Some pens are not papers.

(9-10):Statements: All stickers are cups.

No cup is a wire.All wires are bulbs.

9. Conclusions: I. All bulbs being cups is apossibility.

II.No sticker is a wire.10. Conclusions: I. All stickers being bulbs is a

possibility.II.No bulb is a sticker.

11. Statements: Some glasses are bowls.All bowls are spoons.No spoon is a plate.

Conclusions: I. Some bowls are plates.II.Some glasses are not spoons.

12. What should come in place of question mark (?) in thegiven expression to make T < Q and L ? T definitelytrue?Q ? L = M ? R = T1) ?, < 2) ?, > 3)

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13. Which of the following expressions will be false, if theexpression R < E = A ? M > N is definitely true?1) A > N 2) E ? N 3) R < A4) N < E 5) None of these

14. Which of the following symbols should be placed inblank spaces respectively to make the expressionsB ? J, L > C and J < A definitely true?H < A _ B _ C = J _ L1) >, ?, < 2) 3) =, F is definitely true?1) Z ? W 2) L = N 3) F < Z4) W = Y 5) None of theseDirections (Q. 16-20): Study the following information

carefully and answer the given questions.A @ B means A is father of BA % B means A is husband of BA $ B means A is sister of BA B means A is mother of BA B means A is brother of B

16. What should come in place of question mark to makethe expression E is grandfather of T true?E @ V ? N % R T1) @ 2) 3) 4) % 5) None of these

17. Which of the following statements is true if the givenexpression is definitely true?A % L $ K B C1) K is sister-in-law of A 2) C is daughter of K3) A is father of B 4) C is son of L5) None of these

18. Which of the following expressions, if true, makes Nis sister of R true?1) F U @ N $ K R 2) N $ F K R $ U3) R $ U K $ N 4) N F $ K R $ U5) None of these

19. Which of the following statements is false if the givenexpression is true?J K L @ M N $ O1) M is son of L 2) K is grandmother of O3) M is grandson of J 4) N is sister of M5) None of these

20. What is the relation between W and P if the givenexpression is definitely true?G % H W V % R P1) P is son of W 2) W is uncle of P3) P is sister-in-law of W 4) Cant be determined5) None of theseDirections (Q. 21-26): Study the following information

carefully and answer the given questions:Eight candidates A, G, L, N, P, Q, R and S have applied

for IBPS exam for different banks, viz BOB, BOI, Dena Bank,UBI, OBC, Indian Bank, Corporation Bank and UCO Bank

but not necessarily in the same order. There are five maleand three female candidates in this group. Each male andeach female has applied from his/her city, viz Jaipur, Delhi,Noida, Kanpur, Patna, Ranchi, Gurgaon and Ghaziabad.No male has applied from Ranchi and Kanpur.

P has applied for Indian Bank from Ghaziabad. Theone who has applied for Corporation Bank is neither fromNoida nor from Kanpur. G has applied for OBC. His sister Lhas applied for Dena Bank from Jaipur. The one who belongsto Delhi has applied for BOB. The one who has appliedfrom Noida is not a female. N has applied for UBI and herfriend has applied for BOB. Q is from Gurgaon and has notapplied either for Corporation Bank or for UCO Bank. Theone who has applied for UCO Bank has applied neitherfrom Patna nor from Noida. S has applied from Kanpur. Adoes not apply from Patna.21. Which of the following groups is a group of female

applicants?1) G, N, L 2) N, Q, S 3) L, N, S4) P, Q, R 5) None of these

22. Who among the following has applied from Ranchi?1) P 2) N 3) S4) L 5) None of these

23. Which of the following combinations is true?1) A UBI Ranchi2) R Corporation Bank Noida3) L UCO Bank Jaipur4) G OBC Noida5) None of these

24. Who among the following has applied for BOB?1) A 2) S 3) N4) Q 5) None of these

25. G belongs to which of the following cities?1) Delhi 2) Ranchi 3) Noida4) Gurgaon 5) None of these

26. Four of the five are alike in a certain way and henceform a group. Which is the one that does not belongto that group?1) P 2) R 3) A 4) L 5) QDirections (Q. 27-31): Study the following information

carefully and answer the given questions.A word and number arrangement machine when given

an input line of words and numbers rearranges themfollowing a particular rule in each step. The following is anillustration of an input and its rearrangement.

Input: 51 rest 11 loan 21 club 10 art 41Step I: art rest 11 loan 21 club 10 41 51Step II: art club rest 11 loan 10 21 41 51Step III: art club loan rest 10 11 21 41 51Step IV: art club loan rest 1 4 9 25 36Step IV is the last step of the above input. As per therules followed in the above steps find the appropriatestep for the given input.Input: water 13 ferry 15 place 16 boat 22 market 18

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verb 1227. What is the position of place in Step III?

1) Sixth from the left 2) Fifth from the right3) Fourth from the left 4) Sixth from the right5) None of these

28. Which of the following would be at the 7th positionfrom the right in Step V?1) water 2) verb 3) 13 4) 15 5) None of these

29. How many steps will be required to complete thearrangement of the above input?1) Four 2) Five 3) Six4) Seven 5) None of these

30. Which step number would be the following output?boat ferry market place verb water 12 13 15 16 18 221) III 2) IV 3) VI4) V 5) None of these

31. If Step III of an input is as given below, what will bethe input?art cute junk 15 18 punch gun 23 28 351) art cute 15 18 cute punch gun 35 28 232) 35 art cute 15 18 punch gun 23 28 junk3) cute junk art 15 18 punch gun 23 28 354) Cant be determined5) None of these

32. How many such pairs of letters are there in the wordSEASON each of which has as many letters betweenthem in the word as in the English alphabetical series?1) None 2) One 3) Two4) Three 5) None of these

33. The position of the first and fifth letters of the wordSUBSTANCE are interchanged. Similarly, the positionof second and sixth letters, third and seventh letters,and fourth and eighth letters are interchanged. Theninth letter remains as it is. In the new arrangement,how many letters are there in the English alphabeticalseries between the letters which is second from theright end and the third from the left end?1) None 2) One 3) Two4) Four 5) More than four

34. In a certain code language COURSE is written asDRQDPV. How is PUZZLE written in that codelanguage?1) DKYQVA 2) QVADKY 3) DKYAVQ4) QVAAMF 5) None of theseDirections (Q. 35-36): Study the following information

carefully to answer the given questions:A man goes to the market. He walks 2 km towards

north from his home and then he turns to his left and walks2 km. Again he turns to his left and walks 1 km. Finally heturns to his left and walks 4 km and reaches the market.35. In which direction is mans home from the market?

1) West 2) South 3) Northeast4) Southwest 5) Cant be determined

36. What is the distance between his home and the market?

1) 3 km 2) km5 3) km5.24) 4 km 5) None of theseDirections (Q. 37-40): Each of the questions below

consists of a question and two statements numbered I andII given below it. You have to decide whether the dataprovided in the statements are sufficient to answer thequestion. Read both the statements and give answer

1) if the data in statement I alone are sufficient toanswer the question, while the data in statement IIalone are not sufficient to answer the question.

2) if the data in statement II alone are sufficient toanswer the question, while the data in statement Ialone are not sufficient to answer the question.

3) if the data either in statement I alone or in statementII alone are sufficient to answer the question.

4) if the data in both the statements I and II togetherare not sufficient to answer the question.

5) if the data in both the statements I and II togetherare necessary to answer the question.

37. How is D related to A?I. D is married to E, who is brother of B.II. As son B is married to C, who is sister of D.

38. Which direction was Manish facing?I. Manish and Mohit were talking to each other face

to face.II. At 4 oclock Manishs shadow was exactly on the

left of Mohit.39. What is the rank of R from the bottom in a class of 30

students?I. N is fourth from the top and there are five students

between N and R.II. The rank of K is fourth from the bottom and there

are 17 students between K and R.40. There are five students Aarti, Babita, Chandan, Dhiraj

and Suman sitting arround a circular table. Who is onthe immediate right of Aarti?I. Aarti is second to the left of Dhiraj, who is not the

neighbour of Babita.II. Babita is second to the right of Dhiraj and is an

immediate neighbour of Chandan and Suman.41. International diplomatic practice and US immigration

law enable the abuse of domestic workers.Which of the following is not in line with the abovestatement?1) The wages of domestic workers required by US

law are impossibly high.2) The livelihood and visa status of the workers

depend on the good will of an employer protectedfrom prosecution by diplomatic immunity.

3) The William Wilberforce Act bolsters federal effortsto combat both international and domestic trafficin human beings.

4) Some of the clauses of the law are simple while

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others are complex.5) None of these

42. High-end pawn stores are getting increasingly popular.Which of the following may be a probable reason forthe above phenomenon?1) For those who borrow a couple of thousand dollars

against, say, a Rolex watch, the rates range from12% to more than 60% on an annualised basis.

2) That pawnshops exist to lend money to those whofall on hard times is either a necessary orunfortunate facet of life, depending on ones pointof view.

3) Conventional lenders over the past five to six yearshave become increasingly reluctant to advancecredit on all fronts.

4) When a business needs liquidity to fund operationsor growth, theyre able to go to the capital marketsand use business assets to obtain loans.

5) None of these43. There are investors who are keen to invest in equities

but are afraid of losing money in the stock markets.Which of the following is a course of action suchinvestors should take?1) They should offer 20% of their money in stocks.2) They should invest in products with a tenure of

five years.3) They should invest in debt-oriented hybrid funds.4) They should invest in schemes that are listed on

stock exchanges.5) None of these

44. Professor X raised serious charges of mismanagement,incompetence and illegal behaviour against theUniversity of Mumbais current administration.Which of the following courses of action should betaken?(A) The professor should be suspended.(B) As an insider and a well-respected academic, his

criticism of the administration deserves to betaken seriously.

(C) The truth should be verified by an independentcommittee or a court of law.

1) Only A 2) Only B 3) Only C4) Only A and B 5) Only B and C

45. Google is buying out Nest and there are concernsamong customers about Google having so much dataabout people. But it has agreed that Nests privacypolicies are going to be well-respected. Which of thefollowing statements would most weaken Nestsbeliefs?1) History has shown that privacy policies change.2) Google products can easily be integrated into Nest.3) The deal between the two companies has not yet

closed.

4) Unlike many of Silicon Valleys most popularcompanies that make software that costs very littleto build, Nest is capital-intensive because it buildshardware.

5) None of theseDirections (Q. 4650): These questions are based on

the information given below and the sentences labelled(A), (B), (C), (D), (E) and (F) given after them:

The Aam Aadmi Party (AAP) claims that it consultsmany stakeholders before it takes important decisions, likeforming its first government in Delhi. Who did it consultbefore deciding that Delhi would not allow foreign directinvestment (FDI) in supermarkets? The government of Indiatook the decision to open up supermarkets to overseasinvestments after protracted debate in media, academia,civil society and Parliament, because in balance, thebenefits of FDI in supermarkets outweighed the costs.Supermarkets create jobs. There are many other benefitsas well.

(A) If food retailers were allowed to buy direct fromfarmers, instead of going through a complex chainof politically-connected middlemen in states, itwould reduce waste, speed up time from farm toplate, boost prices of farm produce for farmersand cut food inflation by eliminating middlemensmargins.

(B) AAP should withdraw the ban on FDI insupermarkets.

(C) There should be consistency in the style ofdecision-making.

(D) Debate in media is more meaningful than merereferendum.

(E) Foreign powers had manoeuvred the governmentof India in saying yes to FDI.

(F) By banning FDI, the AAP looks like an AamShopkeeper Party.

46. Which of the following has/have been assumed in theinformation in the paragraph given above?1) Only C 2) Only E 3) Only B4) Both B and C 5) Both B and E

47. Which of the following statements strengthen(s) theargument given in the paragraph above?1) Only D 2) Only E 3) Only A4) Both A and D 5) Both D and E

48. Which of the following is a benefit(s) of FDI insupermarkets?1) Only A 2) Only D 3) Only F4) Both A and D 5) Both A and F

49. Which of the following statements weaken(s) theargument given in the paragraph above?1) Only A 2) Only B 3) Only C4) Only D 5) Only E

50. Which of the following can be a conclusion on thebasis of the paragraph given above?

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1) Only F 2) Only D 3) Only C4) Only B 5) Both B and C

Test-II: English LanguageDirections (Q. 51-70): Read the passage carefully

and answer the questions given below it. Certain words/phrases are given in bold to help you locate them whileanswering some of the questions.

The global financial crisis has heightened fears aboutintegration with global financial markets. For a country likeIndia, which should inexorably open up further to globalmarkets, an important task of policymaking is to identifythe path of this integration. It lies neither in shutting outforeign capital, nor in recklessly opening up to dollar-denominated debt, which has landed many a country introuble.

A recent Sebi study on foreign investment ingovernment bonds has recommended the removal ofquantitative restrictions on foreign holdings of rupee-denominated debt and moving towards a framework similarto the one for foreign portfolio investment in equity. In thisstudy may co-authors and I find that Indias capital controlscontinue to be guided by concerns about debt and itsmaturity, rather than its currency denomination. Forexample, India has placed many restrictions on foreigninvestment in rupee-denominated bonds, even though thisis one of the safest areas to open up. This is because thecurrency risk is borne by the foreigner and there is a foreignappetite for rupee-denominated debt. Currently, therestrictions include caps on the total amount of rupee-denominated bonds that a foreigner is permitted to hold aswell as limits that vary by investor class, maturity and issuer.These have been implemented through a complicatedmechanism for allocation and reinvestment. The restrictionsfail to meet the objectives of economic policy today andmust be removed.

In 1991, India embarked on its integration with theworld economy through trade and capital accountliberalisation. A key idea behind the early decontrolmeasures was that debt inflows were dangerous and,therefore, strong restrictions need to be placed on them.Restrictions were imposed to shift the composition of capitalentering India towards non-debt-creating inflows and toregulate external commercial borrowings (ECBs), especiallyshort-term debt. As a consequence, while the frameworkfor FDI and portfolio flows is relatively liberal, India has anumber of restrictions on debt flows.

Over the past decade, the global thinking on debt flowshas changed. The macroeconomic and financial instabilityin emerging markets following the crises of the late 1990shas led to increased efforts in these countries to developlocal currency denominated bond markets as an alternativesource of debt financing for the public and corporate

sectors.In the 2000s, emerging economies domestic bond

markets have grown substantially. The outstanding stockof domestic bonds now exceeds $6 trillion, compared toonly $1 trillion in the mid-1990s. Along with this, foreignparticipation has also increased substantially over the lastdecade. In contrast, the Indian policy framework on debtflows, characterised by quantitative restrictions on foreignparticipation, has resulted in limited foreign investment.There is a strong case for opening up the local-currencygovernment and corporate debt market to foreign investors.

The present arrangement governing foreign borrowingcomprises two parts. First, dollar-denominated debt: Indiaraises capital through foreign currency denominated debtvia government borrowing (both bilateral and multilateral),ECBs by firms (including foreign currency convertiblebonds and foreign currency exchangeable bonds) and fullyrepatriable NRI deposits. Second, rupee-denominated debt:Foreign investment in rupee-denominated debt takes theform of foreign investors buying bonds in the Indian debtmarket, which is denominated in rupees. This is subject toan array of quantitative restrictions. There are differentlimits for foreign investment in government and corporatebonds. This arrangement is further complicated by sub-limits across assets and investor classes.

The share of outstanding government bonds that areowned by foreign investors has risen through the years.As of March 2013, it stands at 1.6 per cent. In absolutenumbers, foreign investors own `700 billion orapproximately $11 billion of Indian government bonds. Atpresent, the quantitative restriction on foreign investmentin government bonds stands at $30 billion. The small scaleof foreign ownership implies a substantial upside potential.The internal debt of the government stands at ` 48.7 trillion.Government securities account for 90 per cent of thisamount. Even if the ownership of foreign investors wentup by ten times overnight, to $110 billion, it would onlyamount to 16 per cent of the existing stock of bonds.

A comparison with other emerging economies showsthat India greatly lags behind in the proportion ofgovernment bonds owned by foreigners. This raisesquestions on the structure of capital controls in the rupee-denominated bond market.

The Working Group on Foreign Investment pointedout that the existing regulations create incentives for Indianfirms to favour foreign-currency borrowings over issuingdebt denominated in rupees. It recommended easing therestrictions on rupee-denominated debt as a safer way tomanage globalisation. The Committee on Financial SectorReforms, chaired by Raghuram Rajan, also recommendedthe steady opening up of rupee-denominated governmentand corporate bond markets to foreign investors.

The Sebi study recommends that the existingframework of quantitative restrictions be dismantled. This

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currency denominated bond markets for the publicand corporate sectors.

4) Such countries were forced to disallow foreigninvestment in their emerging markets.

5) None of these56. Which of the following comprise(s) foreign

borrowings? Give your answer in the context of thepassage.1) External commercial borrowings by firms and fully

repatriable NRI deposits2) Foreign investment in rupee-denominated debt3) Foreign currency denominated bilateral and

multilateral government borrowing4) Only 1) and 2)5) All 1), 2) and 3)

57. Which of the following statements is not trueaccording to the facts mentioned in the givenpassage?1) The share of outstanding govt bonds owned by

foreign investors has gone down significantlythrough the years.

2) Foreign investors are the owners of approximately11 USD billion of Indian government bonds.

3) The quantitative restrictions on foreign investmentin govt bonds stands at USD 30 billion as of now.

4) Govt securities account for 90% of the internal debtof the govt.

5) None of these58. What was/were the thoughts behinds imposing

restrictions on foreign investment in India whileopening up its economy in 1991?1) Allowing foreign investment in India means

dependence on foreign investors.2) It was thought foreigners would take away major

chunk of profits from India and Indias economywould be in trouble.

3) It was thought that debt inflows were dangerous.4) India wanted to be on the safer side because it had

never before opened its economy for foreigninvestors and hence had no experience of allowingforeign investment.

5) All the above59. Which of the following is true about Indias capital

control?1) Indias capital control is guided by Indias central

bank.2) As far as Indias capital control is concerned, India

is more concerned about currency denominationthan the amount of debt and its maturity.

3) No control is exercised by Indias central bank onthe debt and its denomination.

4) Indias capital control is guided by debt and itsmaturity.

5) None of these

will encourage greater engagement of foreigners in thegovernment debt market.51. Why should India open up the local-currency

government and corporate debt market for foreigninvestors?1) Because India is in dire need of money for

developing infrastructure of some of its sickindustries

2) Because India has lagged behind due to restrictionson foreign debt flows

3) Because India is passing through a financial crisis4) Because India is a developing economy5) None of these

52. What are the different types of restrictions imposedby India on foreign investment in rupee denominatedbonds?1) Caps on the total amount to be invested in rupee-

denominated bonds2) Class of the investors3) Maturity period4) Issuer of bonds5) All the above

53. What has/have been recommended by Sebi aboutforeign investment in government bonds?(A) A new framework for foreign portfolio investment

in equity should be made.(B) Foreign investment in government bonds should

be discouraged because not only India but alsomany other countries have experienced a badeffect on their economy.

(C) Quantitative restrictions on foreign holdings ofrupee-denominated debt should go away.

1) Only (A) 2) Only (B)3) Only (C) 4) Both (A) and (B)5) All (A), (B) and (C)

54. Why does the author think that foreign investment inrupee-denominated bonds is one of the safest areasto be opened up? Give your answer in the context ofthe given passage.1) Because foreign investors are forced to invest on

our terms2) Because the currency risk is borne by the foreigner3) Because in such as a situation, India becomes the

custodian of their money4) Because India is not bound to pay the invested

money before the date of maturity5) None of these

55. What was the effect of the late 1990s crises on theemerging markets of different countries?1) The affected countries had to open their emerging

markets for dollar-denominated bond markets.2) Such countries had to open their emerging markets

for euro-denominated bond markets.3) Such countries were compelled to develop local

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60. What should India do to integrate with financial globalmarket?(A) It should identify the path of integration.(B) It should not shut out foreign capital.(C) It should not carelessly allow dollar-denominated

debt.1) Only (A) and (B) 2) Only (A) and (C)3) All (A), (B) and (C) 4) Only (B) and (C)5) Only (B)

61. Find the incorrect statements on the basis of the givenpassage.1) Compared to the mid-1990s, the outstanding stock

of domestic bond markets has increasedapproximately six times in the 2000s.

2) Foreign participation has not shown any remarkableincrease over the last decade.

3) In the 2000s, emerging economies domestic bondmarkets have grown substantially.

4) Strong restrictions on foreign participation haveresulted in limited foreign investment in India.

5) None of these62. Who among the following do/does not favour the

easing of restriction on rupee-denominated debt?(A) The Working Group on Foreign Investment(B) The Committee on Financial Sector Reforms(C) Securities and Exchange Board of India1) Only (A) and (B) 2) Only (B) and (C)3) Only (A) and (C) 4) Only (C)5) None of these

63. What is the central idea of the given passage?1) Domestic bond markets play a crucial role in the

countrys economy.2) Dollar-denominated debt should not be allowed in

India without any restriction.3) Foreign investors play a vital role in Indias

economy.4) India must lift restrictions on foreign investment in

rupee-denominated debt.5) Importance of financial stability in emerging marketsDirections (Q. 64-67): Choose the word/group of

words which is MOST SIMILAR in meaning to the word/group of words printed in bold as used in the passage.64. Inexorably

1) inevitably 2) inextricably 3) magnificently4) openly 5) vigorously

65. Array1) apprehension 2) continuity 3) order4) area 5) multitude

66. Dismantled1) imposed 2) exempted 3) legalised4) removed 5) broken

67. Lags1) falls out 2) falls behind 3) advances

4) grows 5) lacksDirections (Q. 68-70): Choose the word/group of

words which is MOST OPPOSITE in meaning of the word/group of words printed in bold as used in the passage.68. Recklessly

1) carefully 2) hopefully 3) inadvertently4) unruly 5) readily

69. Steady1) uniform 2) stable 3) turbulent4) regular 5) stationary

70. Embarked1) launched 2) began 3) stopped4) proposed 5) regularisedDirections (Q. 71-75): The following questions

consist of a single sentence with one blank only. You aregiven six words denominated by A, B, C, D, E and F asanswer choices and from the six choices you have to picktwo correct answers, either of which will make thesentence meaningfully complete.71. It has come to the notice of Sebi that some companies/

entities are illegally mobilising funds from the publicby making false promise of ________ rates of return/interest under various schemes/arrangement.(A) extreme (B) unreasonable (C) illegal(D) high (E) exorbitant (F) little1) (A) and (B) 2) (B) and (C) 3) (C) and (D)4) (C) and (E) 5) (B) and (E)

72. President Pranab Mukherjee will meet two groups ofpeople who will give him the ________ on thedeteriorating law-and-order situation in West Bengal.(A) lowdown (B) letter (C) dossier(D) details (E) brochure (F) information1) (A) and (C) 2) (B) and (E) 3) (A) and (F)4) (C) and (D) 5) (C) and (F)

73. The space between Damascus and Baghdad isbecoming an area for Jihadists to ________ into aglobal terrorist army.(A) convert (B) unite (C) coalesce(D) develop (E) collapse (F) collect1) (A) and (F) 2) (B) and (E) 3) (C) and (F)4) (D) and (F) 5) (B) and (F)

74. Public sector banks are ________ to pick up a stakein Bharat Heavy Electricals Ltd.(A) eager (B) motivated (C) adamant(D) keen (E) coming (F) reluctant1) (A) and (B) 2) (B) and (E) 3) (C) and (E)4) (D) and (F) 5) (A) and (E)

75. Reliance Industries Limited yet again ________ atthe upper boundary and then moved back intoprevious consolidation band.(A) touched (B) picked (C) continued(D) stopped (E) stayed (F) faltered1) (B) and (D) 2) (E) and (F) 3) (A) and (B)4) (B) and (F) 5) (A) and (F)

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Directions (Q. 76-80): Rearrange the following sixsentences (A), (B), (C), (D), (E) and (F) in the propersequence to form a meaningful paragraph and then answerthe questions given below.

(A) The RBIs internal management is based onfunctional specialisation and coordinationamongst about 20 departments with headquartersat Mumbai, which is the financial capital of thecountry.

(B) RBI is a state-owned institution under the ReserveBank of India Act, 1948.

(C) The RBI is the oldest among the central banksoperating in developing countries, though it ismuch younger than the Bank of England and theFederal Reserve Board operating as the centralbanks in the UK and the USA respectively.

(D) The control of the RBI vests in the Central Boardof Directors that comprises the above mentionedGovernor, four Deputy Governors and 15Directors nominated by the Union Government.

(E) This Act empowers the Union Government, inconsultation with the Governor of the RBI, to issuesuch directions to RBI as considered necessaryin public interest.

(F) The Governor and four Deputy Governors of RBIare appointed by the Union Government.

76. Which of the following would be the FIRST sentenceafter rearrangement?1) E 2) F 3) D 4) C 5) B

77. Which of the following would be the SECONDsentence after rearrangement?1) C 2) B 3) E 4) F 5) A

78. Which of the following would be the THIRD sentenceafter rearrangement?1) A 2) D 3) C 4) B 5) E

79. Which of the following would be the LAST (SIXTH)sentence after rearrangement?1) E 2) B 3) A 4) D 5) C

80. Which of the following would be the FOURTHsentence after rearrangement?1) F 2) C 3) B 4) A 5) DDirections (Q. 81-90): In the following passage, some

of the words have been left out, each of which is indicatedby a number. Find the suitable word from the options givenagainst each number and fill up the blanks withappropriate words to make the paragraph meaningful.

I have three Is for you. They are Inspiration, Integrityand Insight. Leaders essentially (81) with somethinglarger than what others are willing to grapple with, whichis what makes them leaders. They need inspiration to beable to do that, (82) they will get frustrated. The secondcomponent is integrity, which is a key element in (83)trust, without which you are never (84) going to be aleader. Integrity is about (85) between what you say, do

and think. It is in your actions, in the way you are, theway you carry yourself. Its not (86) you do only whenothers are watching. I ask people a simple question: ifthere is no policeman at a traffic signal, will you stop?Only 10% say they will stop, 90% will not. Life offers leadera perch higher than other people have. If leaders cannotsee any (87) than others, they become objects of ridicule.They must have (88) into situations, into problems andpossible solutions.

There is a drought of leadership at all levels of life inour country. But leaders dont fall from the (89). Somepeople become leaders themselves or sometimes situations(90) them to become leaders.81. 1) gratified 2) shielded 3) defended

4) grapple 5) contend82. 1) moreover 2) else 3) then

4) when 5) nonetheless83. 1) raising 2) creating 3) forming

4) making 5) building84. 1) always 2) been 3) ever

4) often 5) there85. 1) coherence 2) adherence 3) sticking

4) deciding 5) relation86. 1) everything 2) when 3) important

4) something 5) anything87. 1) one 2) better 3) more

4) thing 5) clearly88. 1) insight 2) depth 3) control

4) belief 5) knowledge89. 1) above 2) god 3) sky

4) universe 5) haven90. 1) make 2) instigate 3) prepare

4) develop 5) compel

Test-III: Quantitative AptitudeDirections (Q. 91-95): What value should come in

place of question mark (?) in the following equations?

91. ?012.02304.0 ??1) 3.84 2) 9.6 3) 19.24) 38.4 5) None of these

92. 18 1.8 7.5 = (?)3 1001) 5 2) 7 3) 9 4) 11 5) 13

93. 20% of 40% of ? = 439.61) 5275 2) 5345 3) 5495 4) 5525 5) 5655

94. 578 ? 12 = 3259921) 41 2) 43 3) 45 4) 47 5) 49

95. ? = (42 56) 161) 22201 2) 21609 3) 21025 4) 20449 5) 19881Directions (Q. 96-100): What should come in place

of question mark (?) in the following number series?96. 1717 1744 1869 2212 2941 ?

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1) 3726 2) 3912 3) 4083 4) 4272 5) 432697. 1268 2051 2726 3301 3784 ?

1) 4183 2) 4296 3) 4312 4) 4443 5) 450898. 18 50 142 414 1226 ?

1) 3248 2) 3306 3) 3424 4) 3572 5) 365899. 28 33 109 560 3940 ?

1) 35125 2) 35235 3) 35485 4) 35705 5) 35915100. 16 65.5 264.5 1061.5 4250.5 ?

1) 14008.5 2) 15009.5 3) 16006.5 4) 17007.5 5) 18008.5101. What is the compound interest on ` 48750 for 2.5 years

at 12% pa?1) ` 15228.42 2) ` 15864.24 3) ` 16071.124) ` 16474.62 5) ` 16846.84

102. A shopkeeper marks his goods 30% above the costprice and allows 15% discount on it. If he sells hisgoods for `1038.70, what is the cost price?1) ` 920 2) ` 940 3) ` 9604) ` 980 5) ` 1020

103. The simple interest in 16 months on a certain sum atthe rate at 12% pa is ` 266 more than the interest on thesame sum at the rate of 18% pa in 8 months. What isthe sum?1) ` 6450 2) ` 6650 3) ` 67504) ` 6850 5) ` 7050

104. A and B can finish a job in 30 days, while A, B and Ccan finish it in 12 days. C alone can finish the job in1) 15 days 2) 18 days 3) 20 days4) 21 days 5) 24 days

105. If 8 men and 5 women can earn ` 3390 in 6 days, and 5men and 7 women can earn `3600 in 8 days, then inhow many days will 7 men and 8 women earn ` 6435?1) 9 days 2) 11 days 3) 12 days4) 13 days 5) 15 days

106. In how many different ways can the letters of the wordCOLLECTION be arranged?1) 453600 2) 113400 3) 56700 4) 5040 5) 1260

107. A box contains 3 black, 3 blue and 3 white balls. Twoballs are drawn from the box at random. What is theprobability that both the balls are of the same colour?

1) 41

2) 43

3) 2120

4) 211

5) 661

108. A man can row 28 km upstream and 70 km downstreamin 12 hours. Also, he can row 40 km upstream and 56km downstream in 14 hours. What is the speed of theman in still water?1) 7 kmph 2) 8 kmph 3) 9 kmph4) 12 kmph 5) 14 kmph

109. A person travelled 120 km by bus, 480 km by train and432 km by bike. It took 15 hours. If the speed of the

train is 5 times that of the bus and 35

times that of the

bike, what is the speed of the bike?

1) 24 kmph 2) 60 kmph 3) 72 kmph4) 90 kmph 5) 120 kmph

110. The ratio of the age of son to that of father is 2 : 7.After 12 years, the ratio will become 4 : 9. What is thepresent age of son?1) 18 years 2) 16 years 3) 14 years4) 12 years 5) 8 yearsDirections (Q. 111-115): In each of these questions,

two equations (I) and (II) are given. You have to solve boththe equations and give answer

1) if x < y 2) if x > y3) if x ? y 4) if x ? y5) if x = y, or relationship between x and y cant be

established.111. I. 6x2 49x + 99 = 0 II. 5y2 + 17y + 14 = 0112. I. 5x2 = 19x 12 II. 5y2 + 11y = 12

113. I. x2 = 3 1331 II. 2y 2 21y + 55 = 0114. I. 5x = 7y + 21 II. 11x + 4y + 109 = 0115. I. 2x2 11x + 12 = 0 II. 2y2 17y + 36 = 0116. A park is 60m long and 48m broad. It has a 3m-wide

path all around it each on its inside and outside both.How much will it take to carpet the path if the rate ofcarpeting is `7 per sq metre?1) ` 8084 2) ` 9072 3) ` 101124) ` 10742 5) ` 10956

117. A room is 9m long and 7m wide. The floor of the roomis to be tiled fully with 9 cm 8 cm rectangular tileswithout breaking tiles to smaller sizes. How many tileswill be required?1) 8750 2) 9600 3) 10400 4) 12600 5) 14000

118. The dimensions of a room are 12m 8m 5m. Thereare two doors (2.5m 1m) and two windows (1.5m 1m) in the room. What is the cost of painting the wallsof the room if the rate of painting is `13.5 per squaremetre?1) ` 2416 2) ` 2592 3) ` 2684 4) ` 2748 5) ` 2804

119. A cylindrical piece of metal of radius 4.5 cm and height11 cm is shaped into a cone of the same radius. Whatwill be the height of the cone?1) 16.5 cm 2) 22 cm 3) 27.5 cm 4) 33 cm 5) 38.5 cm

120. How much will it cost to make a wall, which is 28mlong, 8m high and 0.5m thick, from bricks whosedimensions are 20 cm 10 cm 7 cm? One brick costs`3.1) ` 1.8 lakh 2) ` 2.4 lakh 3) ` 2.8 lakh4) ` 3.2 lakh 5) ` 3.6 lakhDirections (Q. 121-125): The following line graph

shows the percentage increase in the population of twocities A and B over the period 2009 to 2013.

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10

15

20

25

1010

5

1020

50

5

10

15

20

25

30

2009 2010 2011 2012 2013Year

Perc

enta

ge in

crea

seCity A City B

The table shows the population of these cities at thebeginning of 2009.

City Population (in lakh)A 12B 10

121. What is the population of City A at the beginning ofthe year 2011?1) 14.96 lakh 2) 15.18 lakh 3) 15.72 lakh4) 16.04 lakh 5) 16.24 lakh

122. What is the difference between the population of CityA and City B at the end of the year 2011?1) 53400 2) 54600 3) 55300 4) 56100 5) 57500

123. What is the ratio of the population of City A to that ofCity B at the end of 2009?1) 1 : 2 2) 6 : 5 3) 8 : 54) 11 : 10 5) None of these

124. What will be the population of City B at the end of theyear 2013?1) 17.325 lakh 2) 18.464 lakh 3) 19.0575 lakh4) 20.040 lakh 5) None of these

125. The population of City B at the end of the year 2011 isapproximately what per cent of the population of CityA at the beginning of the year 2009?1) 72.7% 2) 87.5% 3) 112.5% 4) 125% 5) 137.5%Directions (Q. 126-130): The following pie-chart

shows the percentage distribution of the total itemsproduced by six different companies in the year 2013, andthe table shows the percentage sale of these companies.(Total items produced by all six companies together is 5.5lakh)

F21%

E14%

D23%

C9%

B15%

A18%

Company % saleA 72%B 80%C 84%D 65%E 70%F 75%

126. What is the total number of items sold by CompanyA?1) 27720 2) 48400 3) 56980 4) 71280 5) 99000

127. What is the difference between the total items sold byCompany B and the total items sold by Company C?1) 21420 2) 22720 3) 23210 4) 24080 5) 24420

128. What is the average number of items sold by all sixcompanies?1) 66935 2) 65415 3) 64285 4) 63150 5) 62740

129. What is the ratio of the total unsold items of CompanyB to that of Company E?1) 3 : 5 2) 3 : 7 3) 4 : 7 4) 4 : 5 5) 5 : 7

130. The total unsold items of Company F is what per centof the total sold items of Company B?1) 41.25% 2) 42.5% 3) 43.75% 4) 45% 5) 47.5%Directions (Q. 131-135): The following bar chart

shows the total number of readers of newspaper A and Bover the period of 2009 to 2013 and the table shows thepercentage of female readers among them.

566564

5445

6048

4042 44

010203040506070

2009 2010 2011 2012 2013

Year

Num

ber

of r

eade

rs

(in th

ousa

nd)

A B

A B% female % female

2009 43% 51%2010 37% 45%2011 45% 48%2012 52% 54%2013 39% 56%

131. What is the total number of female readers ofnewspaper B in the year 2012?1) 21480 2) 22320 3) 23760 4) 24850 5) 25200

132. What is the difference between the total male readersof newspaper A and its total female readers in the year2009?1) 8620 2) 7840 3) 7450 4) 7280 5) 7060

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133. What is the ratio of the total male readers of newspaperA in the year 2011 to the total female readers ofnewspaper B in the year 2013?1) 22 : 21 2) 13 : 22 3) 24 : 234) 25 : 24 5) 16 : 15

134. What is the average number of male readers ofnewspaper B over the years?1) 21320 2) 22640 3) 234504) 24780 5) 25160

135. The total number of female readers of newspaper A inthe year 2010 is approximately what per cent of thetotal number of male readers of newspaper B in theyear 2010?1) 65% 2) 63% 3) 61%4) 59% 5) 57%Directions (Q. 136-140): Study the following

information carefully and answer the questions givenbelow:

In a company there are total 2400 employees, in whichthe ratio of males to females is 7 : 5. All the employees workin three different departments, D1, D2 and D3 of thecompany. The number of male employees working in D1 is27% of the total number of male employees of the company,and it is 90% of the total number of female employees in D1.

The total number of female employees in D2 is 76

of the

total number of female employees in D1 and the total numberof male employees working in D2 is 140% of the total femaleemployees working in D2. Answer the following questionsbased on these information.136. How many male employees are working in department

D3?1) 504 2) 512 3) 5184) 524 5) 532

137. The total number of female employees in departmentD3 is approximately what per cent of the total numberof male employees working in department D1?1) 51.7% 2) 53.4% 3) 55.6%4) 57.2% 5) 58.2%

138. What is the ratio of the total male employees indepartment D1 to the total male employees indepartment D2?1) 2 : 3 2) 3 : 4 3) 4 : 54) 5 : 6 5) None of these

139. The total number of male employees in department D3is approximately what per cent of the total number offemale employees in department D2?1) 84% 2) 112% 3) 128% 4) 144% 5) 156%

140. The total number of male employees in department D2is approximately what per cent of the total number ofemployees in the company?1) 15% 2) 18% 3) 21% 4) 24% 5) 27%

Test-IV: General Awareness(with Special Reference to Banking Industry)

141. Sahyog-Kaijin 2014, the 13th edition of joint exercisesbetween the Indian Coast Guard and its counterpartfrom which of the following countries, was held offKochi recently?1) Russia 2) China 3) Japan4) Australia 5) US

142. South Korean steel maker Posco has receivedenvironment clearance for its ` 52,000-cr steel plant afterremaining in the pipeline for the past eight years. Theplant is to be set up in which of the following states?1) West Bengal 2) Karnataka 3) Odisha4) Jharkhand 5) Andhra Pradesh

143. The Reserve Bank of India released the FinancialStability Report (FSR) Dec 2013 recently. Aiming tocreate awareness about the vulnerabilities in thefinancial system, the FSR is published every1) month 2) two months 3) three months4) four months 5) six months

144. The Reserve Bank of India (RBI) and Bank of Japan(BOJ) signed a pact to enhance the maximum amountof the Bilateral Swap Arrangement (BSA) between thetwo countries recently. What is the new limit of theBSA?1) USD 20 bn 2) USD 30 bn 3) USD 40 bn4) USD 50 bn 5) USD 60 bn

145. The RBI had announced to launch Inflation IndexedNational Saving Securities-Cumulative (IINSS-C),which was later extended to a later date 31 Mar, 2014.The minimum limit for investment in the bond perapplicant per annum is ` 5,000. What is the maximumlimit?1) ` 1 lakh 2) ` 2.5 lakh 3) ` 5 lakh4) ` 7.5 lakh 5) ` 10 lakh

146. The Committee on Comprehensive Financial Servicesfor Small Businesses and Low-Income Households,headed by Nachiket Mor, proposed a plan to overhaulthe Indian banking landscape recently. Which of thefollowing have been proposed in the report?(A) All resident Indians above 18 years of age will

have full-service bank accounts by 1 Jan, 2016.(B) Every account holder will have an electronic

payment access point within 15 minutes of walk.(C) Increasing the priority-sector lending target from

40 per cent of net bank credit to 60 per cent anddoing away with farm-loan subsidies

(D) Allowing banks to set up subsidiaries dedicatedto financial inclusion, without prior approvals fromthe RBI

1) All the above 2) Only (A) and (C)

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3) Only (B) and (D) 4) Only (A), (B) and (D)5) Only (B), (C) and (D)

147. What is Indias global ranking in the recently released2014 Index of Economic Freedom? The index ispublished annually by the Heritage Foundation andthe Wall Street Journal.1) 48th 2) 52nd 3) 79th 4) 102nd 5) 120th

148. Who among the following has been appointed thenew CEO of Indias commodity exchange MCX-SXrecently?1) GK Pillai 2) Jignesh Shah3) Joseph Massey 4) Saurabh Sarkar5) None of these

149. Which of the following countries has enacted a newlaw, Same Sex Marriage Prohibition Act, whichcriminalises homosexual clubs, associations andorganisations with penalties up to 14 years in jail?1) Chile 2) Uganda 3) Nigeria4) Malaysia 5) North Korea

150. The recently published book titled This Place has beenauthored by who among the following?1) Vikram Chandra 2) Nighat M Gandhi3) Juliet Reynolds 4) Amitabha Bagchi5) Fatima Bhutto

151. Who among the following has won the 2013 FIFAPlayer of the Year award Ballon dOr recently?1) Lionel Messi 2) Cristiano Ronaldo3) Wayne Rooney 4) Arjen Robben5) Franck Ribery

152. Which of the following software firms has announcedto set up the worlds largest corporate learning anddevelopment centre in India? It will have a totalcapacity to train 15,000 professionals at one time and50,000 professionals annually.1) Tech Mahindra 2) Wipro3) Infosys 4) TCS5) IBM

153. Name the Indian sportswoman whose silver medal atthe World Athletics Final in 2005 was recently elevatedto gold by the International Association of AthleticsFederations recently as gold winner Tatyana Kotovawas disqualified for doping.1) Kunjarani Devi 2) Karnam Malleswari3) Tintu Luka 4) Anju B George5) None of these

154. The Enforcement Directorate has signed an agreementwith the Commerce Ministry for sharing of foreignexchange realisation data ore eBRC which is expectedto increase transparency. The term BRC stands for:1) Bank Redemption Certificate2) Bank Realisation Certificate3) Bank Rationalisation Certificate4) Bank Reference Certificate5) Bank Ratification Certificate

155. Consider the following with respect to the ReserveBank of India (RBI)s decision to increase the loan-to-value (LTV) ratio of gold loan companies:(A) The NBFCs have been allowed to lend up to 100

per cent of the value of gold.(B) The decision has been taken on the

recommendations of the KUB Rao committee.(C) NBFCs will have to certify purity of gold to

determine the maximum permissible loan.(D) Loans of `1 lakh and above must be disbursed

through cheques.Which of the above statements are true?1) Only (A) and (B) 2) Only (C) and (D)3) Only (A), (B) and (C) 4) Only (B), (C) and (D)5) All (A), (B), (C) and (D)

156. The Delhi High Court recently held that theComptroller and Auditor General of India (CAG) canaudit the accounts of which of the following underthe relevant provisions of the law?1) Private educational institutions2) Private telecom operators3) NGOs4) MNCs5) All the above

157. The Sakala programme, which guarantees time-bounddelivery of services to citizens by govt departments,has won National award under outstandingperformance in citizen-centric service delivery categoryrecently. The scheme is running in1) Madhya Pradesh 2) Bihar3) Gujarat 4) Rajasthan5) Karnataka

158. The Finance Ministry has tasked a nine-member panelto review the framework on external commercialborrowings (ECBs) and foreign currency convertiblebonds (FCCBs). The panel is headed by1) Bimal Jalan 2) MS Sahoo3) Y Venugopal Reddy 4) C Rangarajan5) None of these

159. Insurance Regulatory and Development Authority(IRDA) has set up a 10-member committee to look intohaving 100% Foreign Direct Investment (FDI) ininsurance intermediaries and Third PartyAdministrators (TPAs). The committee will be headedby1) TS Vijayan 2) Usha Sangwan3) Sushobhan Sarker 4) SK Roy5) Suresh Mathur

160. The Nachiket Mor Committee, in its recent report, hasproposed to convert which of the followinginstitutions into a commercial entity?1) NABARD 2) SIDBI3) National Housing Bank 4) HUDCO5) None of these

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161. The govt of India will receive a special dividend of`16,485.71 cr for its 90 per cent stake in which of thefollowing Maharatna companies as approved by thecompanys board?1) CIL 2) ONGC 3) IOC4) GAIL 5) SAIL

162. Who among the following was the chief guest at the65th Republic Day parade at Rajpath in Delhi?1) Shinzo Abe (Japan)2) Akihito and Michiko (Japan)3) Jigme Khesar Namgyel Wangchuck (Bhutan)4) Abdulla Yameen (Maldives)5) None of the above

163. According to the Justice MB Shah Commission reporton illegal mining in Odisha, its good quality iron orereserves will last for how many years at present rate ofextraction?1) 10 yrs 2) 20 yrs 3) 30 yrs 4) 40 yrs 5) 50 yrs

164. Michelle Bachelet was officially declared by theElectoral Court to have won the presidential electionheld in Dec, 2013 and will be sworn in on 11 Mar as thenew president of which of the following countries?1) Chad 2) Spain 3) Chile4) Norway 5) New Zealand

165. Banks are planning to ask the RBI to lift the cap onborrowing under the daily Liquidity AdjustmentFacility (LAF). Currently, banks can borrow what percent of net demand and time liabilities (NDTL) fromthe LAF window?1) 0.5% 2) 1% 3) 1.5% 4) 2% 5) 2.5%

166. Which of the following banks has agreed to pay USD1.7 bn to victims of the convicted fraudster, BernardMadoff, following a settlement with US prosecutors?The bank is accused of not maintaining an effectiveanti-money laundering programme.1) Standard Chartered 2) Citibank3) JP Morgan 4) Bank of America5) HSBC

167. With the successful launch of GSLV-D5 recently, Indiahas entered into a select group of nations which havedeveloped their own cryogenic rocket enginetechnology. Which of the following is NOT at presentin the group?1) US 2) Germany 3) Japan4) China 5) Russia

168. Which of the following teams has lifted both the Mens(Barna Ballack Cup) and Womens (Jayalakshmi Cup)Team titles of the 75th Senior National Table TennisChampionships recently in Patna?1) West Bengal2) Petroleum Sports Promotion Board (PSPB)3) Airport Authority of India (AAI)4) Railways Sports Board (RSPB)5) None of these

169. What does the letter S denote in the abbreviationSUUTI, a term we often read in financial newspapers?1) Securities 2) Specified 3) Series4) Serious 5) None of these

170. Which of the following countries formally joined theEuro Zone as the 18th member of the group whichuses the Euro as its currency? It has become theEuropean Union's fastest growing economy.1) Albania 2) Serbia 3) Latvia4) Slovenia 5) None of these

171. Pushpa Kapila Hingorani, who died recently, wasIndias pioneer of1) Public Interest Litigation (PIL)2) Right to Information (RTI)3) Right to Education (RTE)4) Womens education5) None of these

172. Which of the following is/are correct with respect tothe notification issued by the govt regarding NationalCompany Law Appellate Tribunal (NCLAT) set upunder the new Companies Act?1) Its chairperson will be entitled to a fixed monthly

pay of `90,000 besides other allowances.2) It would be the appellate body for National

Company Law Tribunal.3) It will replace the Company Law Board.4) All the above5) Only 1) and 2)

173. Multilateral funding agency World Bank hasannounced to provide loan to construct disaster-resilient houses and roads in cyclonic-disaster-hitUttarakhand. What is the amount of the loan?1) USD 250 mn 2) USD 280 mn 3) USD 320 mn4) USD 350 mn 5) USD 380 mn

174. Centre has decided to provide an additional wageemployment beyond the stipulated 100 days underMahatma Gandhi National Rural EmploymentGuarantee Act (MGNREGA) for Scheduled Tribehouseholds in forest areas. It will be for1) 20 days 2) 30 days 3) 40 days4) 50 days 5) None of these

175. Consider the following with respect to the RBIs moveto introduce globally compatible unique identity codesto entities which are parties to a financial transactionin India as part of the G-20 mandate:(A) The unique identity code called Legal Entity

Identifier (LEI) is a 20-character code assignedby a local operating unit (LOU).

(B) Clearing Corporation of India Ltd (CCIL) has beenselected to act as LOU.

(C) The functioning of CCIL as a local operating unitwill not fall under the regulation and oversight ofthe RBI.

Which of the above statements is NOT correct?

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1) Only (A) 2) Only (B)3) Only (C) 4) Only (A) and (B)5) Only (B) and (C)

176. In a move aimed at thwarting money launderingactivities, the market regulator Sebi has made whichof the following compulsory for all investments intoCollective Investment Scheme (CIS)? All investmentsin CIS funds are to be made1) through banking channels2) in cash3) through correspondents only4) through registered broking agencies5) None of these

177. The nations first comprehensive adolescent healthprogramme named Rashtriya Kishor SwasthyaKaryakram (RKSK) was launched recently from Thane,Maharashtra. Based on a national analysis, RKSK willfocus on six areas including:1) sexual and reproductive health2) nutrition3) injuries and violence (including gender-based

violence)4) non-communicable diseases5) All the above

178. As part of taking banking services to rural areas, theCentre has revised its target for opening new bankbranches which will also create an additional 55,000new jobs in the banking sector. Now, how many newbank branches will be opened yearly from next fiscal?1) 5,000 2) 7,000 3) 9,000 4) 10,000 5) 12,000

179. Which of the following industrial groups has becomethe first corporate in the country to disburse salariesleveraging the Aadhaar Payment Bridge (APB) to avoidfake data?1) RIL 2) Adani group3) Trident group 4) Vedanta group5) Bharati group

180. National Bank for Agriculture and Rural Development(NABARD) reduced the refinance rates for banks andother lending agencies by 0.20 per cent to promoterural credit and rural infrastructure. What is the newrate for refinance effective from 7 Jan, 2014?1) 9.10 per cent 2) 9.30 per cent3) 9.50 per cent 4) 9.70 per cent5) 9.90 per cent

Test-V: Computer Knowledge181. The main job of a CPU is to

1) carry out program instructions.2) store data/information for future use.3) process data and information.4) Both 1) and 3)5) None of these

182. A repair for a known software bug, usually availableat no charge on the Internet, is called a(n)1) Version 2) Patch 3) Tutorial4) FAQ 5) None of these

183. The property that when classes are arranged in ahierarchy, each class assumes the attributes andmethods of its ancestors is called1) generalisation 2) inheritance3) encapsulation 4) information hiding5) None of these

184. All of the following are examples of real security andprivacy risks except1) Hackers 2) Spam3) Viruses 4) Identity theft5) None of these

185. If you wish to extend the length of the network withouthaving the signal degrade, you would use a1) repeater 2) router 3) gateway4) switch 5) None of these

186. Which of the following is used to move down a pagein a document?1) Jump 2) Fly 3) Wriggle4) Scroll 5) None of these

187. ________ is the process of carrying out commands.1) Fetching 2) Storing 3) Decoding4) Coding 5) Executing

188. Which of the following types of viruses are oftentransmitted by a floppy disk left in the floppy drive?1) Trojan horse 2) Boot sector 3) Script4) Logic bomb 5) Worm

189. The binary language consists of________digit(s).1) 8 2) 2 3) 1,0004) 1 5) None of these

190. Which of the following is not the basic principle ofnetworks?1) Each computer must have a network card.2) There must be communication media connecting

the network and hardware devices.3) There must be at least one connecting device.4) Each computer must have software that supports

the movement of information.5) None of these

191. For deleting data permanently, we use1) Delete 2) Shift + Alt + Delete3) Shift + Delete 4) Erase5) All the above

192. Integrated circuits are made up of1) Si 2) Al 3) Mn4) Mg 5) All the above

193. Whas is the full form of XP in Windows XP?1) XTRA Power2) XTREME Programming3) XTRA Process4) XTREME Power

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5) None of these194. Which key is used to send a digital signature?

1) Public key 2) Private key 3) Digital key4) Keypad 5) None of these

195. The first computer made available for commercial usewas1) Mark-I 2) ENIAC 3) UNIVAC4) EDSAC 5) EDVAC

196. EPROM consists of1) bipolar transistors 2) Diodes3) ETL 4) MOSFETs5) None of these

197. ________ is not an Internet connection.1) Broadband 2) WWAN 3) DSL4) WLAN 5) Dial-up

198. The output quality of a printer is measured by1) dots per sq inch 2) dots per inch3) dots printed per unit 4) dots printed per line5) Both 1) and 2)

199. IEEE ________ standard is used for wireless LAN.1) 802.12 2) 802.13 3) 802.154) 802.11 5) 802.10

200. DNS is extremely important for the correct functioningof the Internet. To do so, it1) encrypts data2) maps symbolic names for machines onto their IP

address3) translates message into machine language4) All the above5) None of these

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Answers(1-6):

1. 1 2. 2 3. 3 4. 45. 5; U and S6. 27. 2; Some papers are pencils (I) + No pencilis a pen (E) = I + E = O = Some papers arenot pens. Now, No paper is a bottle ?conversion ? No bottle is a paper (E) +Some papers are not pens (O) = E + O = Noconclusion. Hence, conclusion I does notfollow.Again, No pencil is a pen ? conversion ?No pen is a pencil. Hence, conclusion IIfollows.8. 4; Some papers are pencils ? conversion? Some pencils are papers. Hence,conclusion I does not follow.Again, Some papers are pencils (I) + Nopencil is a pen (E) = I + E = Some papers arenot pens. Hence, conclusion II does notfollow.9. 2; No cup is a wire (E) + All wires are bulbs(A) = E + A = O* = Some bulbs are not cups.Hence, conclusion I does not follow.Again, All stickers are cups (A) + No cup is awire (E) = A + E = E = No sticker is a wire.Hence, conclusion II follows.10. 1; No sticker is a wire (E) + All wires arebulbs (A) = E + A = O* = Some bulbs are notstickers. Hence conclusion I follows, butconclusion II does not follow.11. 4; All bowls are spoons (A) + No spoon isa plate (E) = A + E = E = No bowl is a plate.Hence, conclusion I does not follow.Again, Some glasses are bowls (I) + All bowlsare spoons (A) = I + A = I = Some glasses arespoons. Hence, conclusion II does not follow.12. 5; Check options one by one

Option 1)

Thus, we cant compare Q and T.But L < T is true. Hence, does not follow.

Option 2)

Thus, Q > T or T < Q is true. But L > T istrue. Hence, does not follow.

Option 3)

Thus, we cant compare Q and T. Hence,does not follow.

Option 4)

This leads us to Q < T is true and L ? T istrue. Hence, does not follow.13. 2;Given expression: R < E = A ? M > NThus, A > N is true, and R < A is true.Again, E > N or N < E is true.Hence, options 1), 3) and 4) do not follow.But, option 2) is false and hence follows.14. 1; Check options one by one:1) H < A > B ? C = J < LThis leads us to B ? J being true. C < L or L> C is true. And A > J or J < A is true. Hence,option 1) follows.2) H < A < B ? C = J > LThis leads us to B ? J, being true. But C > L orL < C is true. Also, we cant compare A and J.Hence, 2) does not follow.3) H < A = B < C = J ? LThis leads to B < J being true. But (B ? J)does not follow.Again, C ? L is true. But (L > C) does notfollow. And A < J. Hence (J < A) does notfollow.4) H < A < B ? C = J < LThis leads us to A < J or J > A. But (J < A) doesnot follow. Again, B ? J does not follow.15. 3;Given expression: Z ? Y > L = W ? N > FThus, Z > W. Hence, (Z ? W) does not follow.Again, L ? N is true. So, (L = N) may be true.Again, Z > F or F < Z is definitely true.Hence, follows. But Y > W is true but(Y = W) does not follow.16. 3;By putting in place of question mark weget

E @ V N % R T

Hence, E is grandfather of T.

17. 1;

Hence, K is sister-in-law of A.

18. 1; Option 1)

Thus, N is sister of R. Hence option 1)follows.

Option 2)

Hence, option 2) does not follow.Option 3) Hence, option 3) does not follow.Option 4)

Hence, option 4) does not follow.

19. 3;

20. 2;

Thus, W is uncle of P. Hence, option 2) istrue.

(21-25):

PersonBank City

BOB BOI DenaBank UBI OBCIndianBank

CorpBank UCO Delhi Patna Ranchi Kanpur Gur Gha Jaipur Noida

P(+) ? ? A(+) ? ? L() ? ? N() ? ? Q(+) ? ? G(+) ? ?R(+) ? ? S() ? ?

KKUNDAN

Summar yPerson Bank Place

P(+) Indian Bank GhaziabadR(+) Corporation Bank PatnaG(+) OBC NoidaL() Dena Bank JaipurA(+) BOB DelhiN() UBI RanchiQ(+) BOI GurgaonS() UCO Kanpur

21. 3 22. 2 23. 4 24. 1 25. 326. 4(27-31):The machine arranges the words and thenumbers in each step. As for words, the wordsare arranged in alphabetical order from leftto right and the numbers are arranged indescending order from right to left. However,after arranging all the numbers the digit-sumsof numbers are squared in the last step.Input: water 13 ferry 15 place 16 boat 22market 18 verb 12Step I: boat water 13 ferry 15 place 16market 18 verb 12 22Step II: boat ferry water 13 15 place 16market verb 12 18 22Step III: boat ferry market water 13 15 placeverb 12 16 18 22Step IV: boat ferry market place water 13verb 12 15 16 18 22Step V: boat ferry market place verb water12 13 15 16 18 22Step VI: boat ferry market place verb water9 16 36 49 81 16Step VI is the last step of the above input27. 4 28. 1 29. 3 30. 4 31. 432. 4;

33. 4; Given Word: SUBSTANCEAfter rearrangeing the given word, it becomesTANCSUBSENow, Second from the right is S.

Third from the left is N.There are four letter been N and S in theEnglish alphabetical series, ie O, P, Q and R.

34. 1;

Similarly,

(35-36):Let A be the mans home and F the market.

35. 3; Northeast36. 2;EF = DE = 2 km AE = BE = CD = 1 km

Now, AF = 22 )EF()AE( ?

= 22 21 ? = 5 km37. 5; From I. D is a female

From II.

Hence, both the statements are sufficient toanswer the question.38. 5; From I and II.

Then, Manish is facing north.

39. 3; From I.

Rs rank from the top is (4 + 6 =) 10th.From the bottom the rank of R is (30 10 +1) = 21st.From II. The rank of R from the bottom is4 + 17 + 1 = 22nd. Hence, either statementI or II alone is sufficient to answer thequestion.

40. 2; From I.

From II.

Hence, statement II is sufficient to answerthe question.41. 3; A law that combats traffic in humanbeings will rather prevent abuse of domesticworkers.42. 3; Since conventional lenders have be-come increasingly reluctant, borrowers haveto resort to pledging their property in orderto borrow money.43. 3; Debt-oriented hybrid funds offer a sortof compromise formula. You may enjoy thebenefits of stock markets but at the sametime have some cushion as well.44. 3; Although B is also correct, it is not acourse of action.45. 1; If history repeats itself, privacy poli-cies may go for a six.

46. 1; Look at the way the author has com-pared to the referendum sought by AAP whileforming government. The author assumesthat it is wrong to seek referendum in onecrucial matter and not do so in another cru-cial matter that affects one and all.47. 4; (A) takes the argument more in favourof FDI. Similarly, (D) also helps clinchingthe argument in favour of the author andtaking it away from AAP.48. 1; The benefits have been clearly enu-merated in (A).49. 5; If the government of Indias decisionwas taken at the behest of foreign powers,then clearly there is a need for rethink.50. 4; We cant go for (C) because it losessight of the core issue involved in the para-graph.51. 2 52. 5 53. 3 54. 2 55. 356. 5 57. 1 58. 3 59. 4 60. 361. 2 62. 5 63. 4 64. 5 65. 566. 4 67. 2 68. 1 69. 3 70. 371. 5 72. 3 73. 1 74. 4 75. 2(76-80): CBEFDA76. 4 77. 2 78. 5 79. 3 80. 181. 4 82. 2 83. 5 84. 3 85. 186. 4 87. 2 88. 1 89. 3 90. 5

91. 5; ? = 012.02304.0 ?= 0.48 0.012 = 40

92. 2; (?)3 100 = 18 1.8 7.5 = 243or, (?)3 = 243 + 100 = 343 = (7)3? ? = 7

93. 3; ?10040

10020 ?? = 439.6

or, ? = 5495402010043960 ?

??

94. 4; ? = 12578325992

? = 47

95. 2; ? = 165642?

= 147

or, ? = (147)2 = 2160996. 4; The series is +33, +53, +73, +93, ...97. 1; The series is +282 1, +262 1,+242 1, ...98. 5; The series is 3 4, 3 8, 3 12,3 16, ...99. 3; The series is 28 1 + 5 = 33,33 3 + 10 = 109, 109 5 + 15 = 560,560 7 + 20 = 3940, 3940 9 + 25= 35485, ...100. 4; The series is 16 4 + 1.5 = 65.5,65.5 4 + 2.5 = 264.5, 264.5 4 + 3.5= 1061.5, 1061.5 4 + 4.5 = 4250.5, 4250.5 4 + 5.5 = 17007.5, ...101. 3; CI = (48750 1.12 1.12 1.06) 48750 = 64821.12 48750 = `16071.12102. 2; Let the cost price be `x.

? Marked price = 100130x ?

SP = 10085

100130x ??

Now, 10085

100130x ?? = 1038.70

? x = `940

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103. 2; Let the sum be `x.

10012818x

100

121612x ????

= 266

or, 16x 12x = 26600

? x = 426600

= `6650

104. 3; (A + B + C)s one days work = 121

And (A + B)s one days work = 301

Cs one days work

= 301

121

= 6025

= 201

? C alone can finish the work in 20 days.105. 2; Let the daily earning of a man andthat of a woman be `x and `y respectively.

Then, 8x + 5y = 63390

= 565 ... (i)

Again, 5x + 7y = 83600

= 450 ... (ii)

Solving equation (i) and (ii), we haveeqn (i) 5 eqn (ii) 8

775y313600y56x402825y25x40

?????????

? y = `25, x = `55Now, daily earning of 7 men and 8 womentogether = 7x + 8y = 7 55 + 8 25= 385 + 200 = `585 `585 is earned by 7 men and 8 women inone day.? ?` 6435 is earned by 7 men and 8 women

in 64355851 ? = 11 days

? Hence, number of days = 11106. 1; Total number of letters in the wordCOLLECTION is 10.So, the number of arrangements = 10!Here L, C and O each occurs twice.

Number of ways = !2!2!2!10

2121109876543

??????????

= 453600

107. 1; Total number of balls in the box = 3+ 3 + 3 = 9

Number of sample space n(S) = 29C = 2

89?

= 36? n(E) = 2

32

32

3 CCC ?? = 3 + 3 + 3 = 9

? P(E) = )S(n)E(n

= 369

= 41

108. 3; Let the downstrem speed be x kmphand upstream speed be y kmph.

Then, x70

y28 ? = 12 or, x

35y

14 ? = 6

Let uy1 ? and vx

1 ?

Now, 14u + 35v = 6 ... (i)

14x56

y40 ?? , 7x

28y20 ??

or, 20u + 28v = 7 ... (ii)Solving eqn (i) and (ii), we get

v = 141

and u = 41

? y = 4, x = 14

? Speed of man in still water = 2144 ?

= 9 kmph109. 3; Let the speed of the train be x kmph.

? Speed of the bus = 5x

kmph the and the

speed of the bike = 5x3

kmph

Then, 15

5x3

432x

480

5x

120 ?????

??

??????

??

or, 15x720

x480

x600 ???

or, 15x1800 ?

? x = 120

? Speed of bike = 5x3

= 51203?

= 72 kmph

110. 4; Let the present age of son and fatherbe x years and y years respectively.

Then, 72

yx ?

or, 7x = 2y ... (i)

Again, after 12 years, 12y12x

??

= 94

or, 9x + 108 = 4y + 48or, 9x 4y = 60 ... (ii)Solving eqn (i) and (ii), we getx = 12 years, y = 42 years111. 2; I. 6x2 49x + 99 = 0

or, 6x2 27x 22x + 99 = 0or, 3x(2x 9) 11(2x 9) = 0or, (3x 11) (2x 9) = 0

? x = 311

, 29

II. 5y2 + 17y + 14 = 0or, 5y2 + 10y + 7y + 14 = 0or, 5y(y + 2) + 7(y + 2) = 0or, (5y + 7) (y + 2) = 0

? y = 2, 57

Hence, x > y112. 4; I. 5x2 19x + 12 = 0

or, 5x2 15x 4x + 12 = 0or, 5x(x 3) 4(x 3) = 0or, (5x 4) (x 3) = 0

? x = 3, 54

II. 5y2 + 11y 12 = 0or, 5y2 + 15y 4y 12 = 0or, 5y(y + 3) 4(y + 3) = 0or, (5y 4) (y + 3) = 0

? y = 54

, 3

Hence, x ? y

113. 1; I. x2 = 3 1331 = 11

? x = 11? = 316.3?II. 2y2 21y + 55 = 0or, 2y2 10y 11y + 55 = 0or, 2y(y 5) 11(y 5) = 0or, (2y 11) (y 5) = 0

? y = 5, 211

? Hence, x < y

114. 2; I. 5x 7y = 21II. 11x + 4y = 109Solving eqn (i) 11 eqn (ii) 5

776y97545y20x55

231y77x55

????

y = 8 and from this x = 7? Hence, x > y

115. 3; I. 2x2 8x 3x + 12 = 0or, 2x(x 4) 3(x 4) = 0or, (2x 3) (x 4) = 0

? x = 23

, 4II. 2y2 8y 9y + 36 = 0or, 2y(y 4) 9(y 4) = 0or, (2y 9) (y 4) = 0

? y = 4, 29

Hence, x ? y116. 2;

Area of inside path RSPQ = 2{(60 3) + (42 3)} = 2(180 + 126) = 612 sq mArea of outside path LMNO= 2{(66 3) + (48 3)} = 2{198 + 144}= 2 342 = 684 sq m? Total area of the path = 612 + 684= 1296 sq m? Cost of carpeting = 1296 7 = `9072

117. 1; Number of tiles = 89700900

??

= 8750118. 2; Area of four walls = 2 5 (12 + 8)= 200 sq mArea of doors = 2 2.5 1 = 5 sq mArea of windows = 2 1.5 1 = 3 sq m? Effective area = 200 8 = 192 sq m? Cost of painting = 192 13.5 = `2592119. 4; Volume of cylinder = Volume of cone

Then, ? (4.5)2 11 = 31

?? (4.5)2 hor, h = 11 3 = 33 cm

120. 2; Volume of the wall = 28 8 21

= 112 m3? Volume of a brick

= 3m50007

1007

10010

10020 ???

? Reqd number of bricks

= 8000075000112

50007

112 ???

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? Cost of making the wall = 80000 3 =`240000= `2.4 lakh121. 2; Population of City A at the beginning

of the year 2011 = 100115

10011012 ?? = 15.18 lakh

122. 4; Population of City A at the end of

2011 = 100105

100115

10011012 ??? = 15.939 lakh

Population of City B at the end of 2011

= 100105

100125

10012010 ??? = 16.5 lakh

? Difference = 16.5 15.939 = 0.561 lakh= 56100

123. 4; Ratio = 1011

12101112

10012010

10011012

????

?

?

= 11 : 10124. 3; Population of City B at the end of

2013 = 10 100110

100105

100110

100125

100120 ????

= 19.0575 lakh125. 5; Population of City B at the end ofthe year = 10 1.20 1.25 1.1 = 16.5 lakhPopulation of City A at the beginning of theyear 2009 = 12 lakh

? Reqd % = 100125.16 ? = 137.5%

126. 4; Total sold items of Company A

= 550000 10018

10072

= 71280

127. 5; Difference

= 550000( 10015

10080

1009

10084

)

= 55(1200 756) = 55 444 = 24420128. 1; Total sale = 55(18 72 + 15 80 +9 84 + 23 65 + 14 70 + 21 75)= 55(1296 + 1200 + 756 + 1495 + 980 +1575) = 55 7302 = 401610

? Average = 6401610

= 66935

129. 5; Total number of unsold items of

Company B = 550000 10020

10015 ? = 16500

Total number of unsold items of Company E

= 550000 10030

10014 ? = 23100

? Ratio = 231165

= 75

= 5 : 7

130. 3; Total number of unsold items ofCompany F = 55(21 25) = 28875Total number of sold items of Company B= 55(15 80) = 66000

? Reqd % = 6600028875

100 = 43.75%

131. 3; Total number of female readers ofnewspaper B in the year 2012

= 44000 10054

= 23760

132. 2; Difference = 56000 100)4357(

= 560 14 = 7840133. 1; Reqd ratio

= 56455548

1005645000

1005548000

???

?

?

= 66 : 63 = 22 : 21

134. 4; Average number of male readers of

newspaper B = 10051000? (42 49 + 64 55 +

54 52 + 44 46 + 45 44)= 2 (2058 + 3520 + 2808 + 2024 + 1980)= 2 12390 = 24780135. 2; Total number of male readers ofnewspaper A in the year 2010

= 60000 10037

= 22200

Total number of male readers of newspaperB in the year 2010

= 64000 10055

= 35200

? Reqd % = 1003520022200 ? = 63.068 ? 63%

(136-140):Total = 2400M : F = 7 : 5Male = 1400, Female = 1000

136. 3137. 5; D3 (Female) = 220And D1 (Male) = 378

? Reqd % = 100378220 ? = 58.2%

138. 2; Ratio = 43

504378 ? = 3 : 4

139. 4; D3 (Male) = 518 D2 (Female) = 360

? Reqd % = 100360518 ? = 143.88 ? 144%

140. 3; Reqd % = %211002400504 ??

141. 3 142. 3 143. 5 144. 4 145. 3146. 4 147. 5 148. 4 149. 3 150. 4151. 2 152. 4 153. 4 154. 2 155. 4156. 2 157. 5 158. 2 159. 5 160. 1161. 1 162. 1 163. 3 164. 3 165. 1166. 3 167. 2 168. 2 169. 2 170. 3171. 1 172. 4 173. 1 174. 4 175. 3176. 1 177. 5 178. 4 179. 3 180. 4181. 4 182. 2 183. 2 184. 2 185. 1186. 4 187. 5 188. 2 189. 2 190. 2191. 3 192. 1193. 5; The letters XP stand foreXPerience, meaning the operating systemwas meant to be a new type of userexperience.194. 2; Private key is used, because it is knownto user only.195. 3 196. 4 197. 2 198. 1 199. 4200. 2; DNS (Domain Name System) acts asa resolutor which maps names onto IP ad-dress and vice versa.