: 1 :

REASONING1. Town C is towards the South of town B and town A is towards the North of town C.

In whichof the following directions is town A with respect to town B?1) North 2) South 3) South- West4) Cannot be determined 5) West

2. How many such pairs of letters are there in the word’ ‘MARGINS’, each of whichhas as many latters between them in the word (in both’ forward and , backward,directions) as they have between them in the English aplhabetical series?1) None 2) One 3) Two4) Three 5) More then three

3. If it is possible to make only one meaningful word .with the third fourth, eight andthe ninth latters of the word ‘CENTURIES’, which’would be the second letter ofthe word from the left? If more than one such word can be formed, give ‘A’ as theanswer, if no such word can be formed, give ‘Z’ as your answer.1) A 2) N 3) T 4) E 5) Z

4. The position of how many aplhabets will remain unchanged if each of the alphabetsin word PRODUCTS is arranged in alphabetical order from left to right?1) None 2) One 3) Two4) Three 5) More than three

5. Which of the following represents the correct relationship as indicated in,thegiven figure? (not necessarily in the given sequence)

1) Vegetables: Apples: Fruits 2) Gears : Tyres : Cars .3) Cone : Cylinder: sphere 4) Planets: Solar system : Galaxy.5) Gold : Silver: Metal

6. What should come next in the following letter series?a b c d e f b c d e g c d e h1) i 2) c 3) d 4) g 5) None

7. Four of the following five are alike in a certain way and hence from a group.Which one does not belong to the group?1) Paper 2) Wool 3) Cotton 4) Wood 5) Plastic

8. ‘Soldiers’ are related to ‘Army’ in the same way as ‘Players’ are related to —1) Game 2) Tournament 3) Sports 4) Captain 5) Team

9. Pointing to a pohotograph Mohan said .’his mother’s only child is my father’s onlyson’. Whose photograph is Mohan pointing to ?1) Brother’s 2) Hisown 3) Cousin’s 4) Father’s 5) Nephew

10. What will come in place of question (?) mark in the following series?BC EF IT NO ?1) ST 2) TU 3) UV 4) QR 5) None

IBPS

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Directions (11-17): Study the following information carefully and answer thegiven questions.

In an international meet, representatives, A, B, C, D, E, F, G and H fromeight different countries viz. Thailand, France,Holland, Austria, U.S., Spain, Indiaand Germany (not necessarily in the same order) sit around a.circular tablefacing,the’centre. A who represent Germany sits third to the left of E. The onewho is from India sits to the immediate right of A. D who, is from Holland sitssecond to the right of B. B, is not an immediate neighbour of E: C who is fromSpain sits exactly in the middle of people representing U.S. and India. G, therepresentative from France sits second to the left of H who is from Thailand.

11. How many people sit between A and representative from Austra when counted inclockwise direction?1) None 2) One 3) Two 4) Three 5) Four

12. Which of the following is TRUE regarding representative F?1) F is the representative of Austria2) F sits second to the left of the representative from Thailand.3) Representatiye from Gennany is not an immediate neighbour of F.4) E sits third to the right of F. 5) None of true.

13. In which of the following pairs is the representative from the first country, sittingto the immediate left of the representative from the second country?1) India-Thailand 2) Austria-U.S 3) Thailand-Holland4) Spain-Germany 5) U.S.-Spain

14. What is the position of B with respect to the position of representative from the U.S.?1) Third to the left 2) Fourth of the right.3) Fourth to the left 4) Second to the right 5) Second to the left

15. Which of the followingpairs represents the immediate neighbours of therepesentative from Holland?1) CG 2) BE 3) AH 4) HB 5) GE

16. Representative from which of me following is seated to the left of Indianrepresentative?1) Thailand 2) U.S. 3) France 4) Spain 5) None

17. The representative of whichof the following countries sits exactly in the middle ofthe representatives from Thailand and France?1) Holland 2) Austra 3) Germany 4) U.S. 5) NoneDirections (18-20) : Read the following mformatwh/statement carefully andanswer the questions.

18. Which of the following expressions will be true if the given expression ‘K G > H F’ is definitely true?1) F K 2) H < K 3) F < G 4) K H 5) None

19. In which of the following .expressions’ will be the expression A < D be definitelytrue?,1) A B = C < D 2) A > B = C D 3) A < B = C D 4) A > B < C D 5) None

20. In which of the following expressions does the expression ‘M > R’ does not holdtrue?1) M = P > Q > R 2) M > P Q = R 3) R = P < Q < M4) R < Q P = M 5) M = P < Q = R

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Directions (21-25) : In each question below are three statements followed by twoconclusions numbered I and II. You have to take.the three given statements to betrue even if they seem to be at variance from commonly knpwn facts and thendecide which of the given conclusions logically follows from the three statementsdisregarding commonly known facts.Give answer 1) if only conclusion I followsGive answer 2) if only conclusion II followsGive answer 3) if either conclusion I or conclusion II followsGive answer 4) if neither conclusion I nor conclusion II followGive answer 5) if both conclusion I and conclusion II follow.

21. Statements : All typhoons are cyclones.All winds are typhoons.All clouds are winds.

Conclusions : I. All typhoons are clouds. II. All clouds are, cyclones.22. Statements: Some floppies are keyboards.

All keyboards are speakers.All speaker’s are monitors.

Conclusions : I. Some monitors are floppies II. All keyboards are monitor.23. Statements : Some keys are locks.

Some locks are doors.All doors are windows.

Conclusions : I. Some-keys are doors. II. Some windows are locks.24. Statements : All islands are countries.

All continents are islandsAll planets are countries.

Conclusions : I. Some continents are hot countries. II. No planets is a continent25. Statements : All buses are scooters

No Scooter is a train.Some trains are jeeps.

Conclusions : I. No bus is a train. II. Some jeeps are scootersDirections (26-30) : In each question below a statement is given followed by twocourses of acton numbered I and II. A course of action is a practicable and feasiblestep or administrative decision to be taken for follow up, improvement of furtheraction in regard to be problem, policy, etc. On the basis, of the information givenin the statement, you have assume everything in the statement to be true, anddecide which of the suggested courses of action logically follow(s) for pursuing.Give answer 1) if only I follows.Give answer 2) if only II follows.Give answer 3) if either I or II follows.Give answer 4) if neiother I or II follows.Given answer 5) if both I and II follow

26. Statements :According to latest statistics number of rhinos killed by tigers was muchCourses of action :I. Stricter regulations should be framed in order ro punish the poachers.II. As done in some sanctuaries, the areas where tigers hunt and the areas withdominant rhino population should be artificially separated.

27. Statements: A mid air collision was’ narrowly avoided when pilot of one of theaircrafts neglected the air traffic controllers instructions.Courses of action:I. Pilots of both of the aircrafts should be immediately reprimanded by revokingtheir licensesII. The training of air traffic controllers should bt improved and made morecomprehensive in order to avoid such incidents in future.

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28. Statements : Oil spill from be oil carrier of one of the biggest oil companies hasseverely affected the marine life in a large area near the gulf region.Courses of action :I. the oil company should be penalized for the negligence and the harm causedto the environment.’II. Efforts should be made to shift as many marine animals in the area as possibleto safer habitats.

29. Statement: Many private schools have been reportedly denying admission tostudents from poor, families while preferring those with should financialbackground regardless to their merit.Courses of action :I. Poor students should be encouraged, to take admissions only in Governmentrun schools where such discriminatjoh does not exist.II. The government should enforce a certain percentage of seats,for studentsfrom poor families in every school.

30. Statement: The number of malaria cases has been rising significantly in the citysince the last few months.Courses of action :I. The municipal authorities should, take immediate steps to destroy the breedingplaces of mosquitoes and improve hygiene in the area.II. A campaign to educate people about the ways to prevent’the disease should bestarted using local media and social workers.Direction (31-40) In each of the questions given below which one of the fiveanswer figures on the right should come after the problem figures on the left, if thesequence were continued ? PROBLEM FIGURES ANSWER FIGURES

35.

(1) (2) (3) (4) (5)

31.

32.

33.

34.

(1) (2) (3) (4) (5)

36.

37.

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QUANTITATIVE APTITUDE41. ? 75

1) – 5625 2) 75 x – 75 3) 15004) Cannot be determined 5) None

42.21 7 1 ?8 72 171

1) 9

19 2) 13 3)

519 4)

319 5) None

43.1 2 14 6 5 ?2 3 3

1) 1152 2)

2163 3)

1162 4) 17 5) None

44. 792.02 +101.32 – 306.76 = ?1) 893.34 2) 1200.10 3) 997.11 4) 586.58 5) None

45. 300% of 150 = ?% of 600

1) 75 2) 45 3) 450 4) 11333 5) None

46. A sum is divided among Rakesh, Suresh and Mohan. If the difference betweenthe share of Rakesh and Mohan is Rs. 7,000 and that of Suresh and Mohan is Rs.3,000, what was the sum1) Rs. 30,000 2) Rs. 13,000 3) Rs. 10,000 4) Cannot be determined 5) None

47. When the price of a product was increased by 15%, the number sold was decreasedby 20%. What was the net effect?1) 8% gain 2) 5% loss 3) 8% loss4) Cannot be determined 5) None

48. Three-fifth of a number is 30 more than 50 per cent of that number. What is 80per cent of that number ?1) 300 2) 60 3) 2404) Cannot be determined 5) None

49. The average of four consecutive odd numbers is 12. Which is the lowest oddnumber?1) 9 2) 3 3) 54) Cannot be determined 5) None

50. One year ago the ratio of Yamini’s and Gamini’s ages was 6:7 respectively. Fouryears hence this ratio would become 7:8. How old is Gamini ?1) 35 years 2) 30 years 3) 31 years 4) Cannot be determined 5) None

51. Which of the following has fractions in ascending order ?

1) 2 3 7 9 8, , , ,3 5 9 11 9 2)

3 2 7 9 8, , , ,5 3 9 11 9 3)

8 9 7 3 2, , , ,9 11 9 5 3 4)

3 2 9 7 8, , , ,5 3 11 9 9 5)

8 9 7 2 3, , , ,9 11 9 3 5

38.

39.

40.

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52. A sum fetched total simple interest of Rs. 4016.25 at the rate of 9 per cent in 5years. What is the sum ?1) Rs. 8,925 2) Rs. 8032.50 3) Rs. 4462.50 4) Rs. 8,900 5) None

53. What will be the area of a semi circle of 14 metres diameter?1) 154 sq. metres 2) 77 sq. metres 3) 308 sq. metres4) 22 sq. metres 5) None

54. The difference between a two digit number and the number obtained byinterchanging the position of the digits of the number is 27. What is the differencebetween the digits of that number?1) 2 2) 3 3) 4 4) Cannot be determined 5) None

55. The average of four consecutive even numbers is one-fourth of the sum of thesenumbers. What is the difference between the first and the last number?1) 4 2) 6 3) 2 4) Cannot be determined 5) NoneDirections (56-60): Study the following table to answer the given questions.Number of Students of different classes of a school playing different games.

Class Games

XII XI X IX VIII VII VI

Chess 11 12 5 4 2 2 1 Cricket 38 40 12 17 25 18 20 Basket Ball 11 9 7 6 0 0 0 Table Tennis 9 9 21 19 11 9 0 Foot Ball 40 27 18 19 12 16 14 Carrom 16 15 8 19 12 16 14 Tennis 8 9 11 5 6 0 0 Badminton 47 39 33 21 19 0 0

56. Approximately what per cent of Vlllth class students play Cricket out of the total

students playing Cricket?1) 13 2) 4 3) 25 4) 15 5) 17

57. What is the respective ratio of Xlth and Xth class students playing Foot Ball?1) 1 :2 2) 2:5 3) 2:3 4) 3:2 5) None

58. Which game is the most popular ?1) Badminton 2) Foot Ball 3) Carrom 4) Table Tennis 5) Cricket

59. Approximately what per cent of Xth class students play Table Tennis out of thetotal Xth class students playing different given games ?1) 20 2) 21 3) 27 4) 26 5) 18

60. Which game has ascending number of students from class IX to XII ?1) Only Basket Ball 2) Only Badminton3) Chess and Badminton 4) No game 5) NoneDirections (61 -65): Study the following graph to answer the given questions:Export over the year (in crore Rs.)

0100200300400500

600700800900

1000

2001 2002 2003 2004 2005 2006 2007

61. Which year has the highest per cent increase/decrease in exports as comparedto the preceding year?1) 2003 2) 2004 3) 2007 4) Cannot be determined 5) None

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62. What is the difference in exports in 2003 and 2004?1) Rs. 150crores 2) Rs. 1500crores3) Rs. 15 crores 4) Rs. 100 crores 5) None

63. What is the per cent increase in exports from the lowest to the highest for thegiven years?1) 750 2) 475 3) 950 4) 375 5) None

64. Exports in 2003 are approximately what per cent of that of 2004 ?1) 145 2) 135 3) 150 4) 300 5) 120

65. What is the total exports in crores Rs. for the given years?1) 4100 2) 3700 3) 3900 4) 3950 5) NoneDirections (66-70): In each of the following questions two equations are given.You have to solve them and —Give answer 1) if x > y;Give answer 2) if x < y;Give answer 3) if x = y;Give answer 4) if x y;Give answer 5) if x y;

66. I. 2 6 9 0y y II. 2 2 3 0x x 67. I. x2 – 5x + 6 = 0 II. 2y2 + 3y – 5 = 068. I. x = 256 II. Y = (–4)269. I. x2 – 6x + 5 = 0 II. y2 –13y + 42 = 070. I. x2 + 3x + 2 = 0 II. y2 – 4x +1 = 0

Directions (71 -75): In each of these questions a number series is given. Onlyone number is wrong in each series. You have to find out the wrong number.

71. 1 2 4.5 11 30 92.5 3291) 92.5 2) 4.5 3) 11 4) 2 5) 30

72. 2 5 7 12 19 32 501) 7 2) 12 3) 32 4) 19 5) 5

73. 2 13 65 271 817 1639 16451) 13 2) 65 3) 271 4) 817 5) 1639

74. 3 4 16 75 366 1945 118861) 16 2) 75 3) 366 4) 1945 5) 4

75. 2 14 91 546 3002 150151) 15015 2) 91 3) 14 4) 3002 5) 546Directions (76-80): Study the following information to answer the given questions.Income and Expenditure of a company for the given years

Prof it = Income - ExpenditurePr 100ofitpercent profit

Expenditure

0

50

100

150

200

250

300

350

400

2002-03 2003-04 2004-05 2005-06 2006-07

Years

(Am

ount

In C

rore

Rs.

)

76. What is the per cent profit earned in 2006-2007?1) 200 2) 125 3) 100 4) 12.5 5) None

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77. What is the difference in the per cent profit in 2004-05 and 2005-2006 ?1) 25 2) 20 3) 15 4) 10 5) None

78. What is the average income (in crore Rs.) for the given years ?1) 265 2) 2550 3) 160 4) 250 5) None

79. Which year is the per cent profit earned the highest?1) 2005-2006 2) 2002-2003 3) 2004-2005 4) 2006-2007 5) None

80. What is the average profit earned (in crore Rs.) for the given years?1) 95 2) 160 3) 70 4) 19 5) None

GENERAL AWARENESS81. Which of the following groups represent key industries?

A. Crude oil and electricityB. Petroleum refining and finished steelC. Cement and coal(1) Only (A) (2) Only (B) (3) Only (A) and (B)(4) Only (C) (5) All (A), (B) and (C)

82. Who was appointed as the Solicitor General by the newly elected NDA Govt inJune 2014 ?1) P.S. Patwalia 2) Ranjit Kumar3) P.S. Narasimha 4) P.K. Mishra 5) None

83. Which of the following is covered in the list of services for service tax purposes?A. Insurance/health servicesB. Hotel accommodation/air travel servicesC. Money changers/legal services(1) Only (A) (2) Only (B) (3) Only (C)(4) Both (A) and (C) (5) All (A), (B) and (C)

84. What is the expanded form of TDS, a term related with taxation in India?1) Tax Deducted at Source 2) Tax Defaulted at Source3) Tax Demanded at Source 4) Tax Differed at Source 5) None

85. Which of the following agencies is providing Unique Identity Cards to all IndianResidents?(1) Election Commission of India (2) Ministry of Foreign Affairs(3) Govt of Maharashtra(4) Border Security Force (5) None

86. FIMMDA stands for(1) Foreign Investment Markets and Derivatives Market Association(2) Fixed Income Money Markets and Derivatives Association(3) Fixed Income and Money Market Development Association(4) Floating Income and Money Markets Derivative Assets (5) None

87. Which of the following terms is NOT used in banking?(1) Debit Card (2) Credit Card(3) Kisan Card (4) ELISA Test (5) None

88. Which of the following is/are the objective(s) of our monetary policy?A. To anchor inflation expectationsB. To actively manage liquidityC.To maintain interest rate regime consistent with price output and financialstability(1) Only (A) (2) All (A), (B) and (C) (3) Both (A) and (C)(4) Only (B) (5) None

89. Who wrote the famous book “Such a long Journey” ?1) Preeti Shenoy 2) Rohinton Mistry3) Ramachandra 4) Ashwin Sanghi 5) None

90. Which of the following will set up core banking infrastructure for rural banks?(1) SIDBI (2) IBA (3) RBI (4) SBI (5) NABARD

91. In which of the following States, India’s first Islamic Bank is proposed to be set up?(1) Kerala (2) Tamil Nadu (3) Orissa (4) Bihar (5) None

92. Which of the following terms is used in Economics?(1) Keynesian (2) Adsorption (3) Affinity Matrix(4) Gene Flow (5) None

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93. Which of the following is/are key policy rates used by RBI toA. Bank Rate and Repo RateB. Reverse Repo RateC. CRR and SLR(1) Only (A) (2) Only (B) (3) All (A), (B) and (C)(4) Only (C) (5) Both (A) and (C)

94. Which of the following rates signals the RBI’s long-term outlook on interest rates?(1) Repo Rate (2) Reverse Repo Rate (3) Bank Rate(4) SLR (5) CRR

95. What is Cross Border Exchange?(1) Trading of foreign currency in India(2) Trading of Indian rupee in exchange of other currencies/goods(3) Hawala transactions in Indian rupee(4) Unauthorized remittance of Indian rupee (5) None

96. Which of the following is the objective of Financial Stability and DevelopmentCouncil?(1) To address inter-regulatory issues only(2) To focus on financial literacy only(3) To focus on financial inclusion only(4) Both (1) and ((2) (5) All (1), (2) and (3)

97. As per the latest data released by the Central Statistics Office (CSO), which ofthe following is India’s fastest growing State with its Gross State Domestic Product(GSDP) growing at 15.05 per cent during 2012-13?1) Gujarat 2) Odisha 3) Jharkhand 4) Chhattisgarh 5) Bihar

98. The Crimean parliament voted unanimously to enter into the Russian Federationand break away from which of the following countries? A referendum is proposedto be held to approve the same.1) Ukraine 2) Romania 3) Kazakhstan 4) Uzbekistan 5) None

99. The President’s rule was imposed in Andhra Pradesh recently. In the first instance,the duration of the President’s rule in a state is:1) One month 2) Three months3) Six months 4) Nine months 5) None

100. Which of the following is NOT used in Economics?(1) Demand and Supply (2) Ad Valorem Tax(3) Break even (4) HIV-positive (5) Cost-benefit analysis

101. What is ‘financial inclusion’?A. Easy access to bank accounts for safe parking of savingsB. Availability of cheap credits through appropriately designed loans for poqr andlow income households and small entrepreneurC. Availability of basic financial products like insurance(1) Only (A) (2) Only (B) (3) Only (C)(4) Both (A) and (B) (5) All (A), (B) and (C)

102. The leaders of the BIMSTEC grouping have agreed to set up the permanentsecretariat in which of the following countries to coordinate and facilitate theimplementation of activities and projects agreed by the grouping?1) India 2) Bangladesh 3) Myanmar 4) Nepal 5) None

103. The book titled ‘A Never Before World’ has been authored by who among thefollowing?1) Sidharth Bhatia 2) Ravinder Singh3) Rama Bijapurkar 4) Sudeep Nagarkar 5) None

104. World Hypertension Day is observed on 2014 ?1) 18 May 2) 16 May 3) 14 May 4) 22 May 5) 17 May

105. BIMSTEC was established as a new sub-regional grouping through the Bangkokdeclaration in which of the following years? Earlier, it was named BIST-EC.1) 1992 2) 1993 3) 1995 4) 1997 5) 1999

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106. The process through which an investor’s physical share certificate gets convertedto electronic format which is maintained in an account with the DepositoryParticipant, is termed as:1) Materialisation 2) Dematerialisation3) Conversion 4) Prioritization 5) None

107. What is take-out financing?1) A method of providing finance for longer duration projects2) A method of providing finance for short duration projects3) A method of providing finance without any paper work4) A method of providing finance on very low interest rates 5) None

108. Emirati Dirham is currency of which country ?1) UAE 2) Morroco 3) Qatar 4) Baharain 5) None

109. Which of the following teams has won the Santosh Trophy 2014 football tournamentrecently?1) Railways 2) Mizoram 3) Punjab 4) Kerala 5) None

110. Which of the following is the reason owing to which Government charges exportduty on some export items?(1) To get benefit from high international prices(2) To improve the tax collection targets(3) It is as per the international practices.(4) To ensure the smooth availability of the items in India (5) None

111. Eight time world champion Pankaj Advani is associated with which of the followinggames? He has won a national men’s title recently.1) Snooker 2) Table tennis3) Chess 4) Badminton 5) None

112. Banks make frequent changes in their product profile including introduction ofnew products etc. This is called(1) Product Control (2) Product enhancement(3) Product marketing (4) Product enrichment (5) None

113. Saudi Arabia has formally designated the Muslim Brotherhood as a terroristorganisation recently. Muslim Brotherhood is active in which of the followingcountries?1) Syria 2) Egypt 3) Libya 4) Yemen 5) None

114. Who was sworn in as the Governor of Karnataka in June 2014 ?1) HR Bhardwaj 2) Shekhar Dutt3) Nirbhay Sharma 4) K. Rasaiah 5) None

115. Banking and financial services all over the world are regulated usually by theMonetary Authority of the land. Who controls this function in India?(1) Ministry of Finance (2) SEBI (3) RBI(4) IRDA (5) FEDAI

116. What do you understand by ‘Para Banking’ services?(1) Eligible financial services rendered by banks(2) Utility services provided by banks(3) Services provided through business correspondents(4) Services provided to armed force personnel (5) None

117. The Home Ministry withdrew the sanction given to NIA to prosecute the twoItalian marines under SUA Act recently. SUA stands for:1) Submission of Unlawful Acts 2) Sanction of Unlawful Acts3) Suspicion of Unlawful Acts 4) Subvention of Unlawful Acts5) Suppression of Unlawful Acts

118. Third BIMSTEC Summit concluded in Myanmar recently. Which of the following iscorrect with respect to the declaration made after the summit?1) The Third BIMSTEC Energy Ministerial Meeting will be held in Nepal.2) The Fourth BIMSTEC Energy Ministerial Meeting will be held in Bhutan in2015.3) The BIMSTEC Energy Centre is planned to be established in Bengaluru.4) All the above 5) Only 2) and 3)

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119. Which of the following teams has won the ICC Asia Cup cricket tournament recently?1) Pakistan 2) Sri Lanka 3) Bangladesh 4) India 5) None

120. The book titled ‘12 Years A Slave’ has been authored by:1) Solomon Northup 2) Hasan Suroor 3) Vesna P Jacob4) Simon Denyer 5) None

ENGLISH LANGUAGEDirections (121-135): Read the following passage carefully and answer thequestions given below it. Certain words have been printed in bold to help youlocate them while answering some of the question.

Political ploys initially hailed as master-strokes often end up as flops. TheRs. 60,000 crore farm loan waiver announced in the budget writes off 100% ofoverdues of small and marginal farmers holding upto two hectares, and 25% ofoverdues of larger farmers. While India has; enjoyed 8%-9% GDP growth forthepast few years, the boom has bypassed many rural areas and farmer distress andsuicides have made newspaper headlines. Various attempts to provide relief(employment guarantee scheme, public distribution system) have made littleimpact, thanks to huge leakages from the government’s lousy delivery systems.So, many economists think the loan waiver is a worthwhile alternative to provide relief.

However the poorest rural, folk are landless labourers, who get neither farmloans nor waivers. Half of the small and marginal farmers get no loans frombanks and depend entirely on moneylenders, and will not benefit. Besides, ruralIndia is full of the family holdings rather than individual holdings and familyholdings will typically be much larger than two hectares even for. dirt- poor farmers,who will, therefore, be denied the 100% waiver. It will thus fail in both economicand political objectives. IRDP loans to the rural poor in the 1980s demonstratedthat crooked bank officials demand bribes amounting to one-third the intendedbenefits. Very few of the intended beneficiaries who merited relief received.it.After the last farm loan waiver will similarly slow down fresh loans to deservingfarmers. While overdues to co-operatives may be higher, economist Surjit Bhallasays less than 5% of farmer loans to banks are overdue i.e. overdues exist foronly 2.25 million out of 90 million farmers. If so, then the 95% who have repaidloans will not benefit. They will be angry at being penalised for honesty.

The budget thus grossly overestimates the number of beneficiaries, It alsounderestimates the negative effects of the waiver-encouraging wilful default inthe future and discouraging fresh bank lending for,some years. Instead of tryingto reach the needy, through a plethora of leaky schemes we should transfer cashdirectly to the needy using new technology like bi-ometric smart cards, whichare now being used in many countries, and mobile’phones bank accounts. Thenbenefits can go directly to phone accounts operable only by those with biometriccards,:ending the massive leakages of current schemes.

The political benefits of the loan waiver have also been exaggerated since ifonly a small, fraction of farm families benefit, and many.of these have to paybribes to get the actual benefit, will the waiver really ! be a massive vote- winner?Members of joint families will feel aggrieved that, despite having, less than onehectare per head, their family holding is too large ,to qualify forthe 100% waiver.All finance ministers, of central or state governments, give away freebies in theirlast budgets, hoping to win electoral regards. Yet, four-fifth of all incumbentgovernments are voted out. This shows that beneficiaries of favours are not notablygrateful, while those not so favoured may feel aggrieved, and vote for the opposition.That seems to be why election budgets constantly fail to win elections in Indiaand the loan waiver will not change that pattern.

121. Why do economists feel that loan waivers will benefit farmers in distress?1) It will improve the. standard of living of those farmers who can afford to repaytheir loans but are exempted.2) Other government relief measures have proved ineffective.3) Suicide rates of farmers have declined after the announcement of the waiver.4) Farmers will be motivated to increase the size of their family holdings not individual holdings.5) The government will be forced to reexamine and improve the’ publie distributionsysteni.

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122. What message will the loan waiver send to farmers.who have repaid loans?1) The Government will readily provide them’with loans in the future.2) As opposed to money lenders banks are a safer and more reliable source of credit.3) Honesty is the best policy.4) It is beneficial to take loans from co-operatives since their rates of interest are lower.5) They will be angry at being penalised for honesty,

123. What is the author’s suggestion to provide aid to farmers?1) Families should split their joint holding to take advantage of the loan waiver.2) The government should increase the reach of the employment guaranteescheme.3) Loans should be disbursed directly into bank accounts of the farmers using thelatest technology.4) Government should ensure that loans waivers can be implemented over thenumber of years.5) Rural infrastructure can be improved using schemes which were successfulabroad.

124. What was the out come of IRDP loans to the rural poor?1) The percentage of bank loan sanctioned to family owned farms increased.2) The loans benefited dishonest moneylenders not landless labourers.3) Corrupt bank officials were the unintended beneficiaries of the loans.4) It resulted in the Government sanctioning thrice the amount for the currentloan waiver. 5) None.

125. What are the terms of the loan waiver?(A) One-fourth of the overdue loans of landless labourers will be written off.(B) The Rs. 60,000 crore loan waiver has been sanctioned for 2.25 million marginalfarmers.(C) Any farmer.with between 26 per cent to 100 per cent of their loan repaymentsoverdue will be penalised.1) Only (A) 2) Only (B) 3) Both (B) and (C)4) All {A), (B) and (C) 5) None

126. What is the author’s view of the loan waiver?1) It will have an adverse psychological impact on those who cannot avail of thewaiver.2) It is a justified measure in view of the high suicide rate among land lesslabourers.3) It makes sound economic and political sense in the existing scenario.4) It will ensure that the benefits of India’s high GDP are felt by the rural poor.5) None

127. Which of the following cannot be said about loan waiver?(A) Small and marginal farmers will benefit the most.(B) The loan waiver penalises deserving farmers.(C) A large percentage i.e. ninety- five per cent of distressed farmers will benefit.1)Only(C) 2) Both (A) and(C) 3) Only (A)4) Both (B) and (C) 5) None

128. Which of the following will definitely be an impact of loan waivers ?(A) Family holdings will be split into individual holdings not exceeding one hectare.(B) The public distribution system will be revamped..(C) Opposition will definitely win the election.1) None 2) Only (A) 3) Both (A) and (B)4) Only(C) 5) All (A), (B) and (C)

129. What impact will the loan waiver have on banks?1) Banks have to bear the entire brunt of the write off.2) Loss of trust in banks by big farmers.3) Corruption among bank staff will increase.4) Farmers will make it a habit to default on loans 5) None

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130. According to the author what is the government’s motive in sanctioning the loanwaiver?1) To encourage farmers to opt for bank loans from moneylenders.2) To raise 90 million farmers out of indebtedness.3) To’provide relief to those marginal farmers who have the means to but havenot repaid their loans4) To ensure they will be reelected 5) NoneDirections (131-133) : Choose the word which is most nearly the SAME in meaningto the word printed in bold as used in the passage.

131. incumbent1) mandatory 2) present 3) incapable 4) lazy 5) officious

132. ploys1) surveys 2) entreaties 3) ruses 4) sliders 5) assurances

133. aggrieved1) vindicated 2) intimidated 3) offensive 4) wronged 5) disputedDirections (134-135): Choose the word which is most OPPOSITE in meaning tothe word printed in bold as used in the passage.

134. plethora1) dearth 2) missing 3) superfluous 4) sufficient 5) least

135. merited1) ranked 2) unqualified for 3) lacked 4) inept at 5) unworthy ofDirections (136-145): Read-each sentence to find out whether there is any errorin it. The error, if any, will be in one part of the sentence. The number of that partis the answer. If there is no error, the answer is 5) . (Ignore errors of punctuation, if any).

136. Some of the world(1)/largest water bodies are(2)/drying up thus threatening(3)/the livelihoods of millions.(4)/No error. (5)

137. Among the many(1)/challenges facing the country(2)/in the next decade(3)/ispoverty and unemployment.(4)/No error.(5)

138. According to economists(1)/not more than five percent(2)/of education loanstaken(3)/by students are overdue.(4)/No error.(5)

139. The two candidates share(1)/a reputation for(2)/competency as well as(3)/forgood communication skills.(4)/No error.(5)

140. His main qualification(1)/on the job is(2)/his extensive experience(3)/in foreignbranches.(4)/Noerror.(5)

141. A representative of the(1)/Reserve Bank will provide students an(2)/in sight intothe(3)/economic future of our country(4)/no error.(5)

142. As one of the leader(1)/insurance companies in(2)/India they offer(3)/comprehensive financial services.(4)/No error.(5)

143. There is arumour that(1)/this multinational company will(2)/set up its regionalheadquarters(3)/in India in short(4)/No error.(5)

144. Despite taking steps to(1)/encourage foreign investment(2)/there has been any(3)/substantial improvement in our economy.(4)/No error.(5)

145. We had made every effort(1)/to ensure that a(2)/compromise is reached and(3)/that deal was signed.(4)/No error.(5)Directions (146-150) : Which of the phrases (1), (2), (3) and (4) given below shouldreplace the phrase given in bokd in the following sentences to make the sentencegrammatically correct? If the sentence is correct as it is and there is no correctionsrequired mark (5) i.e. No correction required as the answer.

146. During the recession many companies will be forced to lay off workers.1) have the force to 2) be forced into3) forcibly have 4) forcefully 5) No correction required

147. He wanted nothing else expecting to sleep after a stressful day at work.1) nothing better than 2) anything else unless3) nothing but having 4) nothing else than 5) No correction required

148. Ramesh took charge of the project, whithin a few days of having appointed ?1) having an appointment 2) being appointed3) after being appointed 4) appointed 5) No correction required

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149. It is difficult to work with him because he is one of those persons who think he isalways right.1) think they are always 2) always thinks he is3) is always thinking they are 4) always think his 5) No correction required

150. Foregin businesses in developing countries have usually problems with lack ofinfrastructure and rigidlaws.1) usual problems as 2) usually problems on3) as usual problems like 4) the usual problems of 5) No correction requiredDirections (151-160) : In the following passage there are blanks each of whichhas been numbered. These numbers are printed below the passage and againsteach, five words/phrases are suggested, one of which fits the blank appropriately.Find out the appropriate word in each case.

Mobile banking (M banking) involves the use of a mobile phone or any othermobile device to (151) financial transaction linked to a client’s account. M bankingis new in most countries and most mobile payment models even in developedcountries to date operate on a (152) scale. A mobile network offers a (153) availabletechnology platform onto which other services can be provided at low cost witheffective results. For example, MI banking services which use (154) such as SMScan be carried at a cost of less than one. US cent per message. The low cost ofusing existing infrastructure makes such services more (155) to use by customerswith lower purchasing power and opens up access to services which did not reachthem earlier due to (156) cost of service delivery. Although M banking is oneaspect in the wider (157) of e-banking there are reasons to single it out for focusespecially because there are reasons to single it out for focus-especially becausethere are a lot more people with mobile phones than bank accounts in India.

M banking could provide a (158) solution to bring more “unbanked” people tothe financial mainstream. Without traditional credit individuals are (159) toexploitation by abusive lenders offering very high interest rates on short termloans. Also of considerable importance are public safety implications for theunbanked they are often victims of crime because many operate on a cash onlybasis and end up carrying significant amounts of cash on their (160) or storecash in their homes.

151. 1) disburse 2) undertake 3) subscribe 4) lure 5) amass152. 1) full 2) voluminous 3) substantial 4) limited 5) rapid153. 1) readily 2) tangible 3) routinely 4) securely 5) unique154. 1) process 2) waves 3) deliveries 4) connection 5) channels155. 1) valuable 2) answerable 3) .amenable 4) exposed 5) responsible156. 1) waning 2) stable 3) proportionate4) marginal 5) high157. 1) archive 2) domain 3) purpose 4) component 5) aspect158. 1) law abiding 2) tried 3) reassuring 4) cost effective 5) stopgap159. 1) inclined 2) immune 3) vulnerable 4) surrendered 5) pressured160. 1) person 2) own 3) relatives 4) purses 5) self

COMPUTER KNOWLEDGE161. The length of a word

1) depends on the number of bits in a storage location2) usually is divisible by 4 3) varies from computer to computer 4) all of the aobve 5) None

162. A byte1) is a subunit of a word 2)encodes exactly one character3) can be addressed in some computers 4) all of the above 5) None

163. ASCII, not ASCII-8 is1) a 4-bit code 2) a 6-bit code 3) a 7-bit code 4) all of the above 5) None

164. Find the output of the following segmentA = 30 B= 40 A = A + B B=A + B write A, B1) A = 30,B = 402) A=70,B=110 3) A=70,B = 40 4) all of these 5) None

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165. Find the output of the following program segment ?A = 30 B = 50 B = A + B A = A-i-B write A. B1) A = 80,B = 502) A=110,B = 80 3) A=80,B=110 4) all of these 5) None

166. Find the output of the following program segmentA = 40 B = 20 A = B B = A write A. B1) A = 20, B = 20 2) A = 30, B = 203) A = 40, B = 20 4) all of these 5) None

167. In a record, a data item that is subdivided into two or more parts is called a1) group item 2) elementary item3) record item 4) all of these 5) None

168. An item that is not subdivided is called1) elementry item 2) group item3) record item 4) all of these 5) None

169. The earliest calculating device is1) Clock 2) Abacus 3) Difference engine 4) Calculator 5) None

170 _______ is a collection of observations facts and concepts1) Program 2) Data 3) Logarithms 4) all of these 5) None

171. The man who built the first Mechanical calculator was1) John Mauchly 2) Howard Aiken3) Blasie Pascal 4) John Mauchly 5) None

172. Punched cards were first introduced by1) Mauchly 2) Aiken 3) Hollerith 4) Jacquared 5) None

173. The first machine which could be called the prototype of the modern computerwas1) digital engine 2) slide rule3) analytic engine 4) difference 5) None

174. Mark I was developed by1) Howard Aiken 2) Atana Sojj3) Pascal 4) Jacquard 5) None

175. The first electronic computer was built in the late thirtiees by_______ and_______1) Atanas. diflbrd Berry 2) Howard Aiken. Jacquard3) Pascal. Abacus 4) all of these 5) None

176. Accounting machines are capable of reading cards containing_______ data1) Numberic 2) Alphabetic 3) Alphanumeric 4) Coded 5) None

177. ______ were used to check whether the data are entered correctly on punchedcards1) VDU 2) Printers 3) Vevtifiers 4) collators 5) None

178. To merge several sorted decks of cards into a signle sorted deck_______ wereused1) vertijiers 2) printers 3) integrators 4) collators 5) None

179. Electronic Numerical Integrator and calculator, means1) ENAC 2) ENIAC 3) ENIACR 4) Calculator 5) None

180. _______ is a set of instructions prepared by humans to direct a computer1) data 2) program 3) file 4) record 5) None

181. _______ can be used to find products and quotients of large numbers1) Napier’s rods 2) Pascal’s machine 3) Difference engine 4) Clocks 5) None

182. _______ has been honoured with a programming language named alter him1) Abscus 2) Blaise pascal 3) Jacquard 4) Heman Hollerith 5) None

183. Analytic engine was designed by1) Babbage 2) Jacquard 3) Clifford Berry4) John Mauchly 5) None

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184. _______ of a number is simply the number1) place value 2) weights 3) face value 4) base 5) None

185. _______ of number relates to weights attached to the position of the number1) face value 2) place value 3) binary value 4) position 5) None

186. _______ is a number associated with each system1) position 2) base 3) face value 4) place value 5) None

187. ‘What is the base and weights of decimal system ?1) 10. 10 2) 10. 16 3) 10. 1 4) 10.8 5) None

188. The Base and weights for Binary system are_______1) 10.2 2) 2,2 3) 8,2 4) 2.8 5) None

189. What is the weiughts for Hexadecimal system.1) 8 2) 16 3) 10 4) 2 5) None

190. In a given number 8947. the face value is_______ and the place value is_______1) 10. 1000 2) 8, 1000 3) 4, 10 4) 2. 1000 5) None

191. The two types of values are1) face value, place value 2) demial, binary3) two symols 0 and 1 4) numeric character 5) None

192. The Hexadecimal system has_______ symbols1) 10 2) 8 3) 16 4) 2 5) None

193. Two types of data are_______ and_______1) program, binary 2) numeric data, character data3) binary data, octal data 4) all of these 5) None

194. The numer of bits used in the coding schemes of BCD, EBCDIC and ASCIIare_______ and_______ respectively.1) 4 bits. 8 bits. 7 bits 2) 6 bits, 8 bits, 7 bits3) 6 bits, 8 bits, 10 bits 4) all of these 5) None

195. The_______ of any integer is defined to be equal to its nine’s complement puis 11) eight’s complement 2) ten’s complement 3) sixth complement4) all of these 5) None

196. A binary system has1) two symbols 0 and 9 2) two symbols 0 and 13) atleast two symbols 4) exactly 4 symbols 0. 1. 2, 3 5) None

197. For whole numbers, the least significant digit is positioned1) at the extreme left of the number2) at the extreme right of the number3) anywhere the user wants to place 4) all of these 5) None

198. While storing a numeric chearacter in the computer’s memory the left-most bitis reserved1) For subsequent calculations 2) to indicate the sign3) for indication of the base of a number4) the number of digits 5) None

199. The nine’s complement of a decimal number is obtained by1) multiplying the given number by 92)adding each digit of the number from 93) substracting each digits of the number from 94) dividing the given number by 9 5) None

200. EBCDIC is1) A code word for computer2) An 8-bit character code used for storage of character data in the memory of acomputer3) a number system 4) hexadecimal system 5) None

***

***

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1.4 2.3 3.1 4.3 5.1 6.3 7.5 8.5 9.2 10.2 11.3 12.5 13.3 14.4 15.316.5 17.2 18.2 19.3 20.5 21.2 22.5 23.2 24.4 25.3 26.2 27.4 28.5 29.1 30.431.4 32.2 33.3 34.1 35.5 36.1 37.5 38.4 39.2 40.5 41.5 42.4 43.3 44.4 45.146.4 47.3 48.3 49.1 50.5 51.2 52.1 53.2 54.2 55.2 56.4 57.4 58.5 59.5 60.561.1 62.1 63.4 64.2 65.3 66.2 67.1 68.5 69.2 70.2 71.1 72.3 73.2 74.3 75.476.3 77.4 78.5 79.2 80.1 81.4 82.2 83.5 84.1 85.5 86.2 87.4 88.2 89.2 90.591.1 92.1 93.3 94.3 95.2 96.5 97.5 98.1 99.3 100.4 101.2 102.2 103.3 104.5 105.4106.2 107.1 108.1 109.2 110.4 111.1 112.2 113.2 114.4 115.3 116.1 117.5 118.4 119.2 120.1121.2 122.5 123.3 124.3 125.2 126.1 127.2 128.4 129.4 130.4 131.5 132.3 133.3 134.1 135.2136.1 137.4 138.3 139.4 140.2 141.5 142.1 143.4 144.3 145.3 146.5 147.1 148.3 149.1 150.4151.1 152.4 153.5 154.5 155.3 156.5 157.2 158.4 159.3 160.2 161.4 162.4 163.3 164.2 165.2166.1 167.1 168.2 169.2 170.2 171.3 172.3 173.3 174.1 175.1 176.3 177.3 178.4 179.2 180.2181.1 182.2 183.1 184.3 185.2 186.2 187.1 188.2 189.2 190.2 191.1 192.3 193.2 194.2 195.2196.2 197.2 198.2 199.3 200.2