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PREFACE
Dear Students,

Welcome to the PRE-Exam Training for the RBI Assistant 2022 and thank you for showing your confidence in us, we assure
you of our continuous endeavour to support you throughout your career. During the PET program Career Power Team will
prepare you through the important aspects of the exam and its strategies to maximise your score.

The CAREER POWER team, consisting of IIT, IIM alumni, and senior Bankers from Industries, who have worked under the
constant guidance of senior Bank officials to bring you a complete and rigorous program to make you come out as winner.
We have carefully prepared the study material which is updated as per the latest examination pattern

Over the years CAREER POWER has helped many students like you realize their goals of a successful career. However, you
should realise that while we are the enablers, It is you who has to be the driving force behind your success, while we at
CAREER POWER are going to be the catalysts. Our last piece of advice for all aspirants is “Never lose sight of your
objective”. Be on your guard against complacency, laziness, hopelessness and overconfidence and also avoid negative
influences.

DO NOT PURSUE SUCCESS, PURSUE EXCELLENCE INSTEAD AND LET SUCCESS PURSUE YOU.

All the Best !

Team CAREER POWER

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REASONING APTITUDE
TABULATION (PUZZLE) Purple  
1. (c)
Directions (1-5): Study the following information carefully 2. (a)
to answer the given questions: 3. (b)
There are six Students of a school A, B, C, D, E and F and they 4. (c)
are participating in the different tournaments of eight 5. (b)
different houses viz.; Red, Blue, Green, Pink, Yellow, White, Direction (6-10): Study the following information carefully
Grey and Purple but not necessarily in the same order. A and and answer the questions given below:
B are played in the tournament of a same house which is Red. Seven students A, B, C, D, E, F and G are going to canteen for
C defeated B in a tournament of Blue house but lost to D in their lunch. They give orders of different food viz; Pizza,
the tournament of Green house. E played with F in Yellow Momos, Sandwich, Burger, Dosa, Idli and Noodles, but not
house and with D in Red house. B defeated D in the necessarily in the same order. Each of them also likes
tournament of Pink house. Those who play in the different colour viz; Red, Green, Blue, Orange, Black, White
tournament of Purple house do not play in the tournament of and Pink, not necessarily in the same order. C gives the order
Blue house, Grey house or Green house. A and C are played of Noodles and his favourite colour is Blue. The one who likes
in the tournament of White house. E shows his talent in Red colour has given the order of Sandwich. E’s favourite
wrestling in Purple house while F does so in Boxing in the colour is not Black or White. F does not give the order of
same house. Boys who play in the tournaments of Pink house either Dosa or Burger. The one whose favourite colour is
do not play in the tournaments of Yellow house, White house Pink does not give the order of Pizza. G gives the order of
or Grey house. A and C are together participated in the Momos and his favourite colour is Orange. D gives the order
tournament of Grey house. Boys who play in the tournament of Idli. B’s favourite colour is Black. F does not give the order
of Yellow house also play in the tournament of Red house. of Sandwich and his favourite colour is not pink. A’s favourite
1. Who among the following boys do not play in the colour is Green. The one whose favourite colour is Black does
tournament of Yellow house? not give the order of Burger.
(a) D, E (b) B, F (c) B, D 6. Which of the following food is ordered by A?
(d) B, E (e) None of these (a) Dosa (b) Burger (c) Momos
2. Who among the following person does play in the (d) Data inadequate(e) none of these
tournament of both Red and Green houses? 7. Who among the following does give the order of Dosa?
(a) D (b) B (c) E (a) A (b) C (c) B
(d) C (e) None of these (d) F (e) Data inadequate
3. Which is the most popular house among the students? 8. What is B’s favourite colour?
(a) Purple (b) Red (c) Yellow (a) Green (b) White (c) Red
(d) Blue (e) None of these (d) Black (e) None of these
4. Who participated in the largest number of houses? 9. Whose favourite colour is Pink?
(a) F (b) B (c) C (a) D (b) G (c) B
(d) E (e) None of these (d) Data inadequate(e) none of these
5. Who among the following boy does play in both Blue 10. Which of the following food is liked by E?
and Red houses? (a) Burger (b) Pizza (c) Momos
(a) D (b) B (c) E (d) Data inadequate (e) none of these
(d) C (e) None of these
Direction (6-10):
Direction (1-5): Friends Food Colour
A B C D E F A Burger Green
Red      B Dosa Black
Blue     C Noodles Blue
Green     D Idli Pink
Pink   E Sandwich Red
Yellow     F Pizza White
White     G Momos Orange
Grey       6. (b)
7. (c)
8. (d)

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9. (a) Direction (1-5):

10. (e)

SITTING ARRANGEMENT

Direction (1-5): Read the information given below and

answer the questions that follow:
Kuber, Kabir, Tushar, Sohan, Mayank and Jagat are friends
from a long time. They regularly meet in the district library.
They all are preparing for civil services examination. One day
they are sitting in the library around the regular hexagon
shaped design table, which has six corner sides (A shape of
two intersecting triangles) but not necessarily in the same
order. Also they all live in different locations in that city viz;
P, Q, R, S, T, U but not necessary in the same order. P, Q, R, S,
T and U are six locations in a city which are connected via one
way and two way traffic routes.
The person who is from S is sitting in between the persons
who are from T and the person who is from Q. Kabir’s
location is the north of R, who is the west of S. One way traffic
route is from Kuber’s location to R, Q to S, T to U, U to
Mayank’s location. The one who belongs to U sits opposite
to Kabir. The person, who is from R is adjacent to the chair
where Kuber is sitting. The chair, where Mayank is sitting, 1. (c)
is adjacent to the persons who are from Q and P. P is the west 2. (d)
of S and north-west of T, who is the south of R. Kabir is sitting 3. (e)
to the immediate left of Mayank. Two way traffic routes exist 4. (e)
between Kabir’s location and R, Mayank’s location and S, U 5. (c)
and S and Kuber’s location and T. S is the north-east of U, who Directions (6-10): Read the given information carefully and
is the middle in location R and T. answer the given questions.
1. Find the number of ways in which a person can move Twelve friends are sitting in two parallel rows containing six
from T to S, without passing any location more than people each in such a way that there is equal distance
once? between adjacent persons. In row 1 A, B, C, D, E and F are
(a) 2 (b) 4 (c) 5 seated and all of them are facing north and in row 2 P, Q, R,
(d) 3 (e) None of these S, T and U, are seated and are facing south, but not
2. If Kuber wishes to move from his location to Q such that necessarily in the same order. Also all of them are earning
he passes through all locations exactly once, then which different-different money (in thousand).
of the following paths he has to move through? R’s daughter is the immediate neighbour of the one, who
(a)PRUSTQ (b)PRUTSQ (c)TURPQS faces R and she earns 14K. Q is married to F, who earns 15K
(d)PTUSRQ (e)None of these more than C. There are four persons sitting to the right of R
and total money earn by the all the four persons is 51K. R’s
3. In which of the following cases, a friend cannot cover
son-in-law sits third to the left of the one, who faces the
the journey via any of the traffic route?
person, who is immediate left of A’s brother. The one, who
(a) T to Mayank’s location (b) Mayank’s location to P
sits diagonally opposite to D’s mother-in-law earns 4K less
(c) U to T (d) Kabir’s location to S than D’s son but does not earn odd digit number. Two
(e) Both (b) and (c) persons sit between S and T. R’s brother sits second to the
4. Who is sitting immediate left to the person whose right of R’s sister. S does not sit at one of the extreme ends.
location is S? A is brother-in-law of B. The Person who earns 12K faces the
(a) Tushar (b) Sohan (c) Jagat person who earns 19K. There is one person sits between R’s
(d) Kabir (e) Can’t be determined son and R’s daughter. A’s father sits second to the right of A’s
5. Which among the following combination is correct? brother. E is married to S. E’s wife earns 18K less than that
(a) Jagat- U (b) Sohan- Q (c) kabir-Q person, who sits third to the left of A’s father but does not
(d) Mayank-P (e) None of these earn more than 16K. Only one person sits between A’s
brother and R’s mother. R’s son-in-law does not sit at one of
the extreme ends. T earns 16K less than the

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earning of P and Q combined together. P faces E, who sits at

one of the extreme left ends. Total earning of row-1 is 137K. MATHEMATICAL OPERATORS
B sits third to the right of E. A’s father earns 17K less than Q’s
wife. Q sits immediate right of the person, who faces R’s wife. Directions (1-5): In the following questions, the symbols
R’s mother sits third to the left of the one, who faces the one, @,#,%,$ and © are used with the following meaning as
who sits immediate right of R’s son-in-law. R’s brother-in- illustrated below-
law sits fourth to the left of R’s wife. C sits diagonally ‘P#Q’ means ‘P is neither greater than nor equal to Q’
opposite to the one, who is immediate right of U. A is son-in- ‘P©Q’ means ‘P is neither equal to nor smaller than Q’
law of D. A’s sister-in-law faces S. A’s sister-in- law sits third ‘P%Q’ means ‘P is neither smaller than nor greater than Q’
to the left of R’s daughter. The Person who earns 33K and the ‘P$Q’ means ‘P is not smaller than Q’
person who earns 35K sit opposite to each other. The Person ‘P@Q’ means ‘P is not greater than Q’
who earns 7K faces the person who earns 22K. Now in each of the following questions assuming the given
6. Who is Uncle of B? statement to be true, find which of the three conclusions I, II
(a) T (b) D’s brother-in-law and III given below them is/are definitely true and giveyour
(c) Person sits at one of the extreme left ends of the answer accordingly.
row-1. 1. Statements: R @ D, D © W, B $ W
(d) E’s mother-in-law Conclusions:
(e) All are true I. W # R II. B © D III.W $ R
7. Who sits second to the right of the one, who faces the (a) None is true (b) only I is true
person, who sits second to the left of P? (c) Only III is true (d) either I or III are true
(a) R’s brother (b) Q (c) Person earns 35K. (e) All are true
(d) A (e) Person earns 18K. 2. Statements: H $ V, V % M, K © M
8. Who sits immediate left of the one, who is sister-in-law Conclusions:
of A and how many money earn by him/her? I. K © V II. M @ H III.H © K
(a) B-14K (b) C’s brother-22K (a) Only I and III are true (b) Only II and III are true
(c) Q’s brother-19K (d) E’s brother-in-law-15K (c) Only I and II are true (d) All are true
(e) A-18K (e) None of these
9. Who sits opposite to the one, who earns 22K? 3. Statements: K # T, T $ B, B @ F
(a) F’s wife (b) Person earns 17K. Conclusions:
(c) R’s son (d) A’s brother (e) None ofthese I. F $ T II. K # B III.T $ K
10. Who is the niece of the one, who earns 17K? (a) None is true (b) only I is true
(a) B (b) Q’s sister-in-law (c) Only I and II are true (d) only II and III are true
(c) Q’s wife (d) T’s son (e) Q (e) All are true
4. Statements: Z # F, R @ F, D © R
Direction (6-10): Conclusions:
I. Z # R II. F # D III. D © Z
(a) None is true (b) only I is true
(c) Only III is true (d) either I or III is true
(e) All are true
5. Statements: M © R, R % D, D @ N
Conclusions:
I. M © N II.N $ R III.M © D
(a) Only I and II are true (b) Only II and III are true
(c) Only I and III are True (d) All are true
(e) None of these

Directions (1-5):
$ ≥;
@  ≤;
6. (b) ©  >;
7. (c) #  <;
8. (c) =  %;
9. (d) 1. (d)
10. (b) 2. (c)
3. (a)

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4. (a) Statements – 3: All Laptops are bugs. No bug is a

5. (b) Computer. Some Computers are pen.
Statements – 4: All Laptops are bugs. No bug is a
ALPHANUMERIC SERIES Computer. No Computer is pen.
Statements – 5: All Laptops are bugs. All bugs are
Directions (1-5): Study the following arrangement carefully Computer. Some Computers are pen.
and answer the questions given below: (a) Only Statements – 1 (b) Only Statements – 2
Z7 1 £9 $A WK + 8EL 3 =F6 1M 2*B %OC< 5U 𝜹T (c) Only Statements – 3 (d) Only Statements – 4
1. If all consonants in the above arrangement are dropped, (e) Only Statements – 5
which of the following will be the fifth from the right 2. Conclusion:
end? Some homes are pens is a possibility.
(a) O (b) $ (c) % Some ships are not states
(d) A (e) None of these Statements:
2. How many such consonants are there in the above Statements – 1: All pens are copy. All copy are ships.
arrangement each of which is immediately preceded by No copy is state. No homes is ship.
symbol but not immediately followed by a vowel? Statements – 2: Some pens are copy. All copy are ships.
(a) None (b) One (c) Two Some copy are state. No homes is ship.
(d) Three (e) More than three Statements – 3: All pens are copy. All copy are ships.
3. Which of the following is the tenth to the left of the No copy is state. All homes are ships
eighteenth element from the left end of the above Statements – 4: All pens are copy. All copy are ships.
arrangement? No homes is a floor. Some homes are States
(a) % (b) B (c) K Statements – 5: Some pens are copy. All copy are ships.
(d) I (e) W No copy is state. Some homes are States.
4. How many such vowels are there in the above (a) Only Statements – 1 and 2
arrangement each of which is immediately followed by (b) Only Statements – 2 and 3
symbol but not immediately preceded by a number? (c) Only Statements – 3 and 5
(a) None (b) One (c) Two (d) Only Statements – 4 and 5
(d) Three (e) None of these (e) Only Statements – 5
5. Which of the following is exactly in the middle between 3. Conclusions:
A and M in the above arrangement? Some wax are not tax. No Jazz is tax. All the wax are boy.
(a) E (b) L (c) = All the fax are boy.
(d) 3 (e) None of these Statements:
1. (a); 7 1 £ 9 $ A + 8 E 3 = 6 1 2 * % O < 5 U 𝛿 (a) Some wax are fax. No fax is tax. No tax is Jazz. All the
2. (c); = F 6,* B % Jazz are boy. All the tax are boy.
3. (e); 10 TH to the left of 18th from the left = (18-10)= 8 th (b) All the Jazz are boy. All the tax are boy. Some wax
from the left = W are fax. No fax is tax. All tax are Jazz.
4. (a) (c) No fax is tax. No tax is Jazz. All the Jazz are boy. All
5. (b) the tax are boy. All fax are wax. No wax is boy.
(d) Some wax are fax. No fax is tax. Some tax are Jazz.
SYLLOGISM All the Jazz are boy. All the tax are boy.
(e) No tax is Jazz. All the Jazz are boy. All the tax are
Directions (1-5): In each group of questions below are two boy. All wax are tax. All jazz are fax.
conclusions followed by five set of statements. You have to 4. Conclusions:
choose the correct set of statements that logically satisfies Some CO2 are HCL. Some H2O are O2. Some CO2 are O2.
given conclusions. Assume the given statements to be true Statements:
even if they seem to be at variance from commonly known Statements – 1: Some HCL are H2O. All H2O are CO2. No
facts. CO2 is H2 SO4. No O2 is CO2.
1. Conclusions: Statements – 2: No CO2 is H2SO4. All H2O are CO2. All O2
No Laptop is a Computer are H2O. All HCL are H2O.
Some pen is Computers. Statements – 3: Some HCL are H2O. All H2O are CO2. No
Statements: CO2 is H2 SO4. Some O2 are H2SO4.
Statements – 1: No Laptop is bug. No bug is a Statements – 4: Some O2 are HCL. All HCL are H2O. All
Computer. Some Computers are pen. H2O are CO2. No CO2 is H2 SO4
Statements – 2: All Laptops are bugs. All bugs are Statements – 5: Some O2 are H2SO4. All HCL are H2O.
Computer. No Computer is pen. All H2O are CO2. No CO2 is H2SO4.
(a) Statements – 1 and 2 (b) Statements – 2 and 3
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(c) Statements – 3 and 4 (d) Statements – 1 and 3 5. (a)

(e) Statements – 2 and 4
5. Conclusions:
Some 2 are not 4. Some 5 are not 3. All 1 are 7. All the 3
are 1.
Statements:
(a) All 5 are 7. Some 6 are 5. All 6 are 7. Some 5 are 2.
Some 1 are 2. All 3 are 2. No 3 is 4. All 4 are 5.
(b) Some 1 are 2. All 3 are 2. No 3 is 4. All 4 are 5. All 5
are [Link] 6 are 5. No 1 is 7. Some 5 are 2.
(c) Some 1 are 2. All 3 are 2. No 3 is 4. No 1 is [Link] 4 are BLOOD RELATION
5. All 5 are [Link] 6 are 5. All 6 are 7. 1. Pointing to two persons, C says, “Both are the children
(d) Some 1 are 2. All 3 are 2. No 3 is 4. All 4 are 5. All 5 of the only son of my grandfather who has only 3
are [Link] 6 are 5. All 4 are 2. Some 5 are 2. No 1 is 3. grandchildren.” If one person says, “I have as many
(e) Some 1 are 2. All 3 are 2. No 3 is 4. All 4 are 5. All 5 brothers and sisters as C have.” Then how is second
are [Link] 6 are 5. Some 1 are 4. Some 5 are 2. No 1 is person related to C’s father?
3. (a) Can’t say (b) Brother
(c) Sister (d) Either brother or sister
Direction (1-5): (e) Daughter
1. (c) 2. If A is brother of K and K is married to J. F is the mother
of J and Y is the only child of K. M is married to Y and son-
in-law of K. J is son-in-law of N. P is the brother of F Then
how is Y related to J’s uncle’s sister?
(a) Daughter-in-law(b) Granddaughter
(c) Daughter (d) Can’t be determined
(e) Sister
2. (c) 3. If D is daughter of E who is husband of F. D is married
to B whose father is A. H is daughter of G who is maternal
uncle of C who is daughter of F. Then how is H related to
B?
(a) Brother (b) Sister
(c) Brother in law (d) Sister in law(e) Cousin
4. Pointing to a photograph, a man said, "I have no brother
or sister but that man's father is my father's son." Whose
photograph was it ?
(a) His own (b) His Son (c) His Father
(d) His Grandfather (e)His cousin
5. If A + B means B is the brother of A; A x B means B is the
husband of A; A - B means A is the mother of B and A %
B means A is the father of B, which of the following
relations shows that Q is the maternal grandmother of T?
3. (a); (a) P + Q % R – T (b) P x Q - R – T (c) P x Q % R + T
(d) Q - P + R % T (e) Q - R x P %T

Solutions
1. (a)

4. (e)

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Or “He seems licks rudeby” is coded as - “Friday 9 dy June”

“Tufters does not box anythin” is coded as - “Fr July
Thursday 14 Tuesday Monday”
“Greatests coot wrong outhears” is coded as - “Ets
Wednesday Sunday ta September August”

1. What will be the code for “fear not”?

(a) Monday 14 (b) Thrusday 15 (c) July 15
(d) Monday July (e) None of these
2. What must be the code for “notice”?
2. (b) (a) Wednesday (b) June (c) de
(d) July (e) Tuesday
3. Which of the following can be coded as “ts June”?
(a) Japan test (b) test cattle (c) pigeon rules
(d) pigeon (e) None of these
4. If all the vowels of the word “amazing” are removed,
then what would be the code for the resulting word?
(a) April (b) July (c) Sunday
(d) Monday (e) None of these
5. What could be the code for “go to hell”?
3. (d) (a) Tuesday April (b) Friday
(c) 15 15 Wednesday (d) 15 15 Friday
(e) None of these

Directions (1-5): This coding decoding question is based on

the new pattern. In this, question the words are coded as per
following rules.
4. (b); Since the person who is telling has no brother or (i) If the word is of two letter then it is omitted from the
sister, so his father son is he himself. code.
So the man in the photograph is his son. (ii) If the word contains an alphabet with its reverse
alphabet also in the same word (A-Z, B-Y, C-X, D-W….etc.).
Then it is converted into a two/three letter word with first
and second letter being placed from third, sixth and ninth
letter of the input word and the total number of alphabets in
that word is converted into months of the given year.
For Example:

5. (e)

(iii) If the input word does not satisfy the case (ii) given
above, then the alphabet with smallest ranking in the word
is converted into days of the week. If the ranking of the
smallest word is greater than seven, then the smallest
alphabet is converted into its numerical value.
CODING – DECODING
For example :
Cool- Wednesday (Ranking of C in the alphabetical series
Directions (1-5): Answer these questions based on the =3, and third day of the week is Wednesday)
following information. Liks- 9 (Ranking of I = 9 and 9>7)
In a certain code: 1. (a)
“Yes can not be amazing” is coded as - “Friday Monday 2. (a)
14 an July” 3. (e)
4. (c)

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5. (b) (a) Only I (b) Only II (c) Either I or II

DATA SUFFICIENCY (d) Neither I nor II (e) Both I and II
Direction (1-5):
Directions (1–5): Each of the following below consists of a 1. (b); All I, II and III are required to answer the question.
question and three statements numbered I, II and III given P is the mother of B, D and M.
below it. You have to decide whether the data provided in the B and D are daughters.
statement are sufficient to answer the question. 2. (d); From I, T> Q >P
1. How many daughters does P have? From II, _ > _> _>R>_>_
I. B and D are sisters of M. From III, _>_>_>_>S>U
II. M’s father T is husband of P. From all the three statements T>Q>P>R>S>U
III. Out of the three children whom T has, only one is a Hence, T is the tallest among them.
boy. 3. (e); From I,
(a) I and III
(b) All I, II and III are required to answer the question
(c) II and III
(d) Question can’t be answered even with all I, II and III
(e) I and II
2. Who among P, Q, R, S, T and U each having a different
height, is the tallest?
I. Q is taller than P, but shorter than T. From II,
II. Only two of them are shorter than R.
III. S is taller than only U.
(a) I and II (b) I and III (c) II and III
(d) All I, II and III are required to answer the question
(e) All I, II and III are not sufficient to answer the
question.
3. Towards which direction is House J from House W?
I. House R is to the West of House W and to the North
of House T. From I and II, J is to the South-West of W.
II. House Z is to the East of House J and to the South of
House T.
III. III. House M is to the North-East of House J and
North of House Z.
(a) Only III (b) II and III
(c) All I, II and III are required to answer the question
(d) Question can’t be answered even with all I, II and III
(e) None of the above
4. On which day of the work starting from Monday did
Mayank visit Chennai?
I. Mayank took leave on Wednesday.
II. Mayank visited Chennai the day after his mother’s 4. (e); From all the three statements Mayank’s mother can
visit to his house. visit his home on Tuesday, Wednesday, Friday, Saturday
III. Mayank‘s mother visited Mayank’s house neither on or Sunday. So (e) is the correct option.
Monday nor or Thursday. 5. (e); From I and II- there are only two ways of expressing
(a) II and III (b) I and II (c) I and III the number 158 as the sum of a multiple of 7 and a
(d) All I, II and III are required to answer the question. multiple of 11.
(e) Question can’t be answered even with I, II and III. 147+11= 158
5. How many male and females are there in the company 70 + 88 = 158
Y? Since there are more females than males, the number of
I. In the company’ there are 158 persons. There are males must be 70 while the number of females 88.
more females than males.
II. Only 1/11 of the females wear formals, while 1/7 of
the males wear formals.

CAREER POWER HELPLINE No. 9 7 2 6 1 1 0 1 8 3 | REASONING 8

APTITUDE
 Page |9

NUMERICAL ABILITY
NUMBER SERIES 105 × 9 = 945
Directions (1-10): What will come in place of question 8. (c); × 1 + 12, × 2 + 22, × 3 + 32, × 4 + 42
mark (?) in the following number series ? 10 × 3 + 32 = 39
1. 393, 286, 183, ?, –15 9. (c); ×3 + 1, ×3 + 2, ×3 + 3…
(a) 84 (b) 87 (c) 86  477 × 3 + 4 = 1431 + 4 = 1435
(d) 82 (e) None of these 10. (d); ×7 + 1, ×6 + 2, ×5 + 3, ×4 + 4, ×3 + 5….
2. 252, 315, 472.5, 826.875, ?  22 × 6 + 2 = 134
(a) 1652.75 (b) 1461.75 (c) 1653.75
(d) 1662.75 (e) None of these Directions (1-10): In each of the following questions, a
3. 263, 551, 1118, ?, 4494 number series is given in which only one number is wrong.
(a) 2241 (b) 2242 (c) 2244 Find the number.
(d) 2245 (e) None of these 1. 41 48 60 78 105.3 147.42
4. 594, 3969, 6166, ?, 8226 (a) 41 (b) 48 (c) 105.3
(a) 6278 (b) 7401 (c) 7497 (d) 78 (e) 60
(d) 7512 (e) 7666 2. 13 16 38 123 504 2535 15310
5. 48, 120, ?, 360, 528 (a) 123 (b) 504 (c) 15310
(a) 220 (b) 222 (c) 224 (d) 38 (e) 13
(d) 240 (e) None of these 3. 20 24 33 49 79 110 159
6. 80, 80, 64, 38.4, 15.36, ? (a) 33 (b) 79 (c) 20
(a) 3.072 (b) 3.142 (c) 3.224 (d) 24 (e) 110
(d) 3.912 (e) None of these 4. 8544 1420 280 66 48 5
7. 441, 441, 147, 735, 105, ? (a) 1420 (b) 66 (c) 8544
(a) 935 (b) 945 (c) 735 (d) 48 (e) 280
(d) 525 (e) None of these 5. 584512 451 414 384 364
8. 2, 3, 10, ?, 172, (a) 451 (b) 512 (c) 584
(a) 37 (b) 38 (c) 39 (d) 384 (e) 414
(d) 41 (e) None of these 6. 32 34 37 46 62 87 123
9. 17, 52, 158, 477, ?, 4310 (a) 34 (b) 37 (c) 62
(a) 1433 (b) 1432 (c) 1435 (d) 87 (e) 46
(d) 1434 (e) None of these 7. 7 18 40 106 183 282 403
10. 3, 22, ?, 673, 2696, 8093 (a) 18 (b) 282 (c) 40
(a) 133 (b) 155 (c) 156 (d) 106 (e) 183
(d) 134 (e) None of these 8. 850 843 829 808 788 745 703
(a) 843 (b) 829 (c) 808
SOLUTIONS (d) 788 (e) 745
1. (d); The pattern is –107, –103, –101, –97 …………. 9. 33 321 465 537 573 590 600
(Subtracting prime numbers) (a) 321 (b) 465 (c) 573
183 − 101 = 82 5 6 7 8 d) 537 (e) 590
52
2. (c); The pattern is × ,× ,× ,× 67 87 112 142
4 4 4 4 10. 37 47

826.875 × 2 = 1653.75 (a) 47 (b) 52 (c) 67

3. (d); The pattern is (d) 87 (e) 112
× 2 + 52,× 2 + 42,× 2 + 32. . . . . . . . . . . . ..
20
1118 × 2 + 32 = 2245 15.36 × = 3.072
100
4. (c); The pattern is +153, +133, +113. . . . . . . . . . . . ..
6166 + 1331 = 7497
5. (c); 6 × 8, 10 × 12, 14 × 16, 18 × 20. . . . . . . . . . . . ..
14 × 16 = 224
6. (a); ×100%, ×80%, ×60%, ×40%, ×20%
 P a g e | 10

SOLUTIONS Wrong no is 41
1. (a); × 1.2,× 1.25,× 1.3,× 1.35, … … . 2. (c); ×1+3, ×2+6, ×3+9, ……..
40 × 1.2 = 48 2535 × 6 + 18 = 15228
Wrong no is 15310
7. (b); × 1, ÷ 3, × 5, ÷ 7, × 9 3. (b); +22, +32, +42, +52 … ..
 P a g e | 11

49 + 25 = 74 (d) 5 (e) 3
Wrong no is 79 4. 6666 ÷ 66 ÷ 0.25 = ?
4. (d); ÷ 6 − 4,÷ 5 − 4,÷ 4 − 4,÷ 3 − 4,÷ 2 − 4 … … (a) 101 (b) 404 (c) 304
280 ÷ 4 − 4 = 70 − 4 = 66 (d) 40.4 (e) None of these
4
66 ÷ 3 − 4 = 22 − 4 = 18 5. 7 of 616 × 12 ÷ 16+ ? = 17 × 19 + 81 + × ?
Wrong no is 48 8 3
5. (a); −(92 − 9), −(82 − 8), −(72 − 7), (62 − 6) … .. (a) 3 (b) 2 (c) 4
5 5 5

512 −−(8 − 8 )
2 (d) 3 (e) 4
= 512 56 4 3

6. 18.002 × 22.99 ×12.01 = ?

= 456 (a) 3824 (b) 4055 (c) 5138
Wrong no is 451 (d) 5446 (e) 4970
6. (a); The pattern of the number series is : 7. 3876.5 ÷18.5 ÷ 3.2 = ?
32 + 12 = 32 + 1 = 33 ..not34 (a) 40 (b) 48 (c) 70
33 + 22 = 33 + 4 = 37 (d) 60 (e) 65
37+ 32 = 37 + 9 = 46 8. √1024.002 ÷ 3.996 ÷ 9.98 + 29 = ?
46+ 42= 46 + 16 = 62 (a) 3 (b) 9 (c) 30
62 + 52= 62 + 25 = 87 (d) 90 (e) 80
7. (c); The pattern of the number series is : 9. √? = (1248.28 + 51.7) ÷ 99.9 − 7.98
7 + 1 × 11 = 7 + 11 = 18 (a) 49 (b) 81 (c) 64
18 + 3 × 11 = 18 + 33 = 51…..not40 (d) 16 (e) 25
51 + 5 × 11 = 51 + 55 = 106 10. 3 of 111 = ? ÷ (1.8 × 0.499)
10
106 + 7 × 11 = 106 + 77 = 183 (a) 100 (b) 10 (c) 3
183 + 9 × 11 = 183 + 99 = 282 (d) 30 (e) 60
8. (d); The pattern of the number series is :
850 - 1 × 7 = 843 SOLUTIONS
843- 2 × 7 = 829 1. (c); 12482 + 4802
829- 3 × 7 = 808 = 17284
1
808- 4 × 7 = 780…..not788 2. (b); 49 ÷ = 56 × ?
780- 5 × 7 = 745 64

49 × 64 = 56 × ?
745- 6 × 7 = 703 ? = 49×64
9. (e); The pattern of the number series is : 56
? = 56
33 + 288 = 321 (1.1)2 (1.1)?
321 + 144 = 465 3. (d); 3
=
(1.1) ((1.1)2)3
465 + 72 = 537 (1.1)2 (1.1)?
= (1.1)6
(1.1)3
537 + 36 = 573 (1.1)8
(1.1) = ? = (1.1)5
57318 = 591….. not 590 (1.1)3
591 9 = 600 ?=5
10. (a); The pattern of the number series is : 4. (b); 6666 ÷ 66 ÷ 0.25 =?
37 + 1 × 5 = 42 …..not 47 101 ÷ 0.25 =?
42+2 × 5 = 52 ? = 404
7 1
52+3× 5=67 5. (d); ( × 616) × (12 × ) + ? = (17 × 19) + 81 +
8 6
4
67+4 × 5 = 87 … … … … …
( 3×? )
7 12 4
SIMPLIFICATION AND APPROXIMATION (d) 66 (e) 72
1. {√2 × (79)} +2 {√2 × (49)} = ?2 3. (1.1)2 ÷ 1.331 = (1.1)? ÷ (1.21)3
(a) 15484 (b) 16384 (c) 17284 (a) 6 (b) 8 (c) 7
(d) 18184 (e) 19484
2 −2
2. (343)3 ÷ (512) 3 = 56 ×?
(a) 49 (b) 56 (c) 64
 P a g e | 12

8× 616 × 16+ ? = 323 + 81 + ( 3×? )

1
404.25 = 404 + ×
3?
1
0.25 = ×?
3 3
? = 0.75 =
4
6. (e); 18 ×23 × 12 ≈ 4970
7. (e); 3876.5 ÷ 18.5 ÷ 3.2 = ?
209.54 ÷ 3.2 = ?
? ≈ 65
 P a g e | 13

8. (c); 32 ÷ 4 ÷ 10 + 29 = ? 9x − 4x = 10
? = 8 ÷ 10 + 29 x=2
? = 29.8 ≈ 30 Radha’s age= 9 × 2 = 18
9. (e); √? = (1248.28 + 51.7) ÷ 99.9 − 7.98 Ruchi’s age= 4 × 2 = 8
√? = (1300 ÷ 100) − 8 Sum= 26 years
√? = 5 2. (a); Let the initial amount of milk= x
? = 25 ∴ initial amount of water= 120 − x
10. (d); 3 × 111 = ? ÷ (0.9) According to question
10
? = 3×111×0.9 80% of x + 40% of (120 − x) = 65% of 120
10 x = 75
? = 29.97 ≈ 30
Ratio= 75 : 45 = 5 : 3
3. (b); P — 45000 × 12
RATIO, PROPORTION AND PARTNERSHIP
Q — 54000 × 6
1. The ratio of Radha’s and Ruchi’s ages is 9 : 4. If the R — 30000 × 8
difference between the present age of Radha and the age Ratio of their profit = 45 : 27 : 20
of Ruchi 5 year hence is 5 then what is the sum of the 92
∴ Total profit earned = × 13500
present ages of Radha and Ruchi? 45

(a) 18 years (b) 16 years (c) 26 years 9x − (4x + 5) = 5

(d) 32 years (e) None of these
2. A vessel of 120 litres is filled with milk and water. 80%
of milk and 40% of water is taken out of the vessel. It is
found that the vessel is vacated by 65%. What is the ratio
of milk to water?
(a) 5 : 3 (b) 6 : 5 (c) 3 : 5
(d) 4 : 3 (e) None of these
3. P and Q started a business by investing Rs. 45,000 and
Rs.54,000 respectively. After four months R joined the
business with a capital of Rs. 30,000. After two more
months Q left the business with his capital. At the end of
the year P got a share of Rs. 13,500 in the profit. What is
the total profit earned?
(a) Rs 26800 (b) Rs 27600 (c) Rs 28600
(d) Rs 29200 (e) None of these
4. A, B and C jointly start a business A puts in Rs 15,000 for
8 months B puts in Rs 12,000 for 9 months and C puts in
Rs 8,000, for the whole year. In the end of the year there
is a profit of Rs 10,800. The difference between A’s share
and C share in the profit will be :
(a) Rs 800 (b) Rs 600 (c) Rs 1200
(d) Rs 1,800 (e) none of these
5. A starts business with a capital of Rs1200. B and C join
with some investments after 3 and 6 months,
respectively. If at the end of a year, the profit is divided
in the ratio 2 : 3 : 5 respectively, what is B’s investment
in the business?
(a) 2400 (b) 180 (c)3600
(d) 6000 (e) 5500

SOLUTIONS
1. (c); Let Radha’s age= 9x
Ruchi’s age= 4x
According to question
 P a g e | 14

= 27600 Rs
4. (a);

5. (a); Profit ratio of A, B and C is(1200 × 12): (x ×

9): (y × 6) = 2 ∶ 3 ∶ 5
Taking first and second terms we get
1200 × 12 ∶ 9x = 2 ∶ 3
1200 × 12 × 3 = 9x × 2
∴ x = 1200×12×3 = 2400
18

1. A milkman buys tow cows for Rs. 750. He sells first cow PROFIT AND LOSS
at a profit of 22% and the second cow at a loss of 8%.
What is the SP of second cow if in the whole transaction
there is no profit no loss?
(a) Rs. 312 (b) Rs. 506 (c) Rs. 484
(d) Rs. 532 (e) None of these
2. A shopkeeper sells his gods at its CP only. But he uses
750 g weight at the place of 1000 g weight for a kg. What
is his net profit percentage?
(a) 25% (b) 20% (c) 16.66%
(d) 33.33% (e) None of these
3. A seller calculated his intended selling price at 6% profit
on the cost of a product. However owing to some
mistake while selling, the units and tens digits of the
selling price got interchanged. This reduced the profit
by Rs. 9 and profit percentage to 2.4%. What is the cost
price of the product?
(a) Rs. 240 (b) Rs. 250 (c) Rs. 400
 P a g e | 15

(d) Rs. 480 (e) None of these = 10 × 105.60

9
4. Anoop sells a book to Mayank at a profit of 20% and
= 1056
Mayank sells this book to Siddharth at a profit of 25%. 9
Now Siddharth sells this book at a loss of 10% to = 117.33 Rs.
Shishir. At what percentage loss should Shishir sells this ∴ his net profit % = 17.33%

book now so that his SP becomes equal to Anoop’s CP?

(a) 36.68% (b) 25.92% (c) 48.66 PERCENTAGE
(d) Cannot be determined (e) None of these 1. The price of LPG increase by 20% By what per cent must
5. A shopkeeper marks up his goods by 20% and then gives a family reduce the consumption of LPG, so that the
a discount of 20%. Besides he cheats both his supplier expenditure on gas is the same as before:
and customer by 100 g, i.e., he takes 1100 g from his (a) 83.33 (b) 80 (c) 20
supplier and sells only 900 g to his customer. What is his (d) 16.66 (e) None of these
net profit percentage? (Rounded off to two decimal 2. In a certain water body 50 fish were caught, tagged and
points) released to the same water body. A few days later, 50 fist
(a) 24.5% (b) 17.33% (c) 25% were caught again, of which 2 were found to have been
(d) 32.5% (e) None of these tagged on previous occasion. If the per cent oftagged fish
in the second catch approximates the per cent of tagged
SOLUTIONS fish in the water body, what is the approximate number
1. (b); First Cow Second cow of fish in the water body?

CP x (750 − x) (a) 10000 (b) 625 (c) 1250

122x 92 (750 − x) (d) 2500 (e) None of these
SP 3. Out of a total 85 children playing badminton or table
100 100

122x 92
750 = + (750 − x) tennis or both, total number of girls in the group is 70%
100 100
∴ 750 =
122x
+ 92/100(750 − x) of the total number of boys in the group. The number of
100 boys playing only badminton is 50% of the number of
x = 200 boys and the total number of boys playing badminton is
∴ CP of second Cow = 750 − 200 60% of the total number of boys. The number of children
= 550 Rs. playing only table tennis is 40% of the total number of
92
∴ Required S.P. = × 550 children and a total of 12 children pay badminton and
100
= 506 Rs. table tennis both. What is the number of girls playing
2. (d); His profit % =
250
× 100 = 33.33% only badminton ?
750 (a) 16 (b) 14 (c) 17
3. (b); Profit % reduced = 6 - 2. 4 = 3.6% (d) Date inadequate (e) None of these
9
∴ Required CP = × 100 4. An investor earns 3% return on 1th of his capital, 5% on
4
= 250 Rs. 3.6 2

4. (b); Anand Mayank Siddhartha Sishir 3rdand 11% on the remainder. What is the average rate
100 → 120 → 150 → 1325 of return he earns on his total capital?
Required % =
135−100
× 100 a) 5% b) 10% c) 5.5%
35
135 d) 10.5% (e) None of these
= × 100 = 25.92% 5. For admission in a graduation program in Delhi
135
5. (b); Let initial CP = 100 Rs. university, 90% of the candidates who appeared for the
When the shopkeeper cheats from manufacturer then written test were males and the rest were females, 60%
he will get 110 units in the price of 100 units of the males and 80% of the females passed in the
10
∴ profit % = × 100 = 10% written test. What is the total number of students who
100 appeared for the written test, if the total number of
∴ New price = Rs. 110 Rs. passed candidates was 1240 ?
Now MP = 132 (a) 2500 (b) 200 (c) 2750
SP = 132 – 26.4
(d) 3500 (e) None of these
= 105.60
Now the shopkeeper cheats from the customer 6. A person sells his table at a profit of 121 % and the chair
If he sell 100 units then he will get a profit of 10 units at a loss of 1 2
 P a g e | 16
10 100 8 3% but on the whole he gains Rs. 25.1 On
∴ profit % = × 100 = 8 %
90 100 90 1 the other hand if he sells the table at a loss of and
∴ New SP = (100 + )× × 105.60 1 3

90 100 the chair at a profit of 12 2 % then he nether gains nor

loses. Find the cost price of the table and the chair.
 P a g e | 17

(a) Rs. 360, Rs. 240 (b) Rs. 380, 260 ∴ Table = 360 Rs.
(c) Rs. 400, Rs. 420 (d) Rs. 360, 410 Chair = 240 Rs.
(e) none of these
SIMPLE INTEREST AND COMPOUND INTEREST
SOLUTIONS 1. A person invests money in 3 different schemes for 3
P
1. (d); Required% = ( × 100)% years, 5 years and 6 years at 10%, 12% and 15% simple
100+P
interest respectively. At the completion of each scheme,
20
=( × 100)% = 16.66%
120 he gets the same interest. The ratio of his investments is
S2. Ans.(c) (a) 2:3:6 (b) 2:5:6 (c) 6:5:2
Sol. Let the number of fish be x then, (d) 6:5:3 (e) None of these
50×100
= 48×100 2. On Rs. 4500 invested at a simple interest rate 12 per
x x−50
cent per annum, Rs. 1200 is obtained as interest in
⇒ 50x – 2500 = 48x
certain years. In order to earn Rs. 1800 as interest on
⇒ 50x – 48x = 2500
Rs. 5400 in the same number of years, what should be
⇒ 2x = 2500
the rate of simple interest ?
∴ x = 1250 (a) 14% (b) 15% (c) 18%
3. (b); (d) 16% (e) None of these
Boys Girls 3. What sum of money at compound interest will amount to
(50) (35)
Rs. 562.38 in 3 years, if the rate of interest is 3% for the
Only Badminton 25 14
first year, 4% for the second year and 5% for the third
Only Badminton TT 5 7
year ?
Only. TT 20 14 2 5 (a) Rs. 510 (b) Rs. 490 (c) Rs. 500
4. (a); Average rate of return = [( 3
× 1) + ( × ) + (d) Rs. 520 (e) None of these
100 4 3 100
1 1
( × 1 )] × 100 = 5% 4. Amit puts some amount in bank and obtained an

12 100 interest of Rs. 15 at the end of one year. He added Rs. 85

5. (b); Let the total number of students appeared = x to his amount and put the whole amount again in the
Number of males students appeared = 90% of x
9 bank for another year. At the end of the 2nd year, Amit got
= x Rs. 420 as total (interest + principal). What amount did
10
x
Number of female students appeared = he put in the beginning and what is the rate of
10
interest offered by the bank if the minimum amount that
Number of males passed = 60% of 9 x
can be deposited in the bank is Rs. 75 ?
3 9 10
= × x (a) 250, 5% (b) 300, 5% (c) 200, 8%
5 10
Number of females passed = 80% of x (d) 350, 3.5% (e) None of these
4 x 10 5. Rakesh borrows Rs. 3500 from a bank at SI. After three
=×
5 10
4 x
years he paid Rs. 1500 to the bank and at the end of 5
9

Now 3 × x+ × = 1240 years from the date of borrowing he paid Rs. 2725 to
5 10 5 10 the bank to settle the account. Find the rate of interest.
x = 2000
6. (a) (a) 10% (b) 5% (c) 2.5%
(d) 3.5% (e) None of these

SOLUTIONS
1. (e); (3×10%) of A = (5 × 12%) of B = (6 × 15%) of C
(A, B, C are the investments)
0.3 A = 0.6 B = 0.9 C
𝟏
∴ Table : Chair = ∶ 𝟏 A:B:C: = 6:3:2
12
𝟐 𝟑 2. (b); No. of years = 4500×100 = 20 year
=3∶2 12 9
Let table = 3x 5400×R×20
= 1800
Chair = 2x 100×9
 P a g e | 18
25
25 . 3x − . 2x = 25 R = 15% 100 100 100

200 300 3. (c); Required amount = 562.38 × × × = Rs.

225x − 100x = 15000 103 104 105
125x = 15000 500
3000
x= = 120 Rs, 4. (b); By options, consider option (b)
25
 P a g e | 19

The interest of first year on 300 at 5% = Rs. 15 The sixth result is common to both:
Amount for 2nd year = 300 + 15 + 85 = 400 Sixth result = 294 + 312 – 550 = 56
105
Amount after 2nd year = 400 × = 420 Rs. 3. (b); Suppose the average expenditure was Rs a.
100
So option (b) is correct Then total expenditure = 35a
2000×R×2
5. (b);
3500×R×3
+ = (1500 + 2725) − 3500 When 7 more students join the mess, total expenditure
100 100 = 35a + 42
R = 5% Now, the average expenditure= 35a+ 42
35 + 7
Now, we have (35a + 42)/ 42 =(a – 1)
AVERAGE
or, 35a + 42 = 42a – 42
1. The average price of 10 books is Rs. 12 while the average
7a = 84
price of 8 of these books is Rs. 11.75. Of the remaining
a = 12
two books, if the price of one book is 60% more than the
price of the other, what is the price of each of these two 4. (a); Let the required mean score be a
books? Then, 20 × 80 + 25 × 31 + 55 × a = 52 × 100
(a) Rs 10 and Rs 16 (b) Rs 12 and Rs 24 1600 + 775 + 55a = 5200
(c) Rs 24 and Rs 18 (d) Rs 28 and Rs 12 55a = 2825
(e) None of these a = 51.4
2. The average of 11 results is 50. If the average of first 6 5. (c); Total weight increased = (8 × 2.5) kg = 20 kg
results is 49 and that of last 6is 52, find the sixth result? Weight of new person = (65 + 20) kg = 85 kg

(a) 55 (b) 56 (c) 65

(d) 62 (e) None of these TIME AND WORK, PIPE AND CISTERN
3. There were 35 students in a hostel. If the number of 1. A and B together can complete a job in 8 days. Both B and
students increase by 7, the expenses of the mess increase C, working alone can finish the same job in 12 days, A and
by Rs 42 per day while the average expenditure per head B commence work on the job, and work for 4 days, where
diminishes by Rs 1. Find the original expenditure of the upon A leaves, B continues for 2 more days, and then he
mess? leaves too, C now starts working, and finishes the job.
(a) 450 (b) 420 (c) 430 How many days will C require ?
(d) 410 (e) None of these (a) 5 days (b) 8 days (c) 3 days
4. The arithmetic mean of the scores of a group of students (d) 4 days (e) None of these
in a test was 52. The brightest 20% of them secured a 2. A labourer was appointed by a contractor on the
mean score of 80 and the dullest 25% a mean score of 31. condition he would be paid Rs 150 for each day of his
The mean score of remaining 55% is: work but would be, fined a the rate of Rs 30 per day for
(a) 51.4 (b) 52.6 (c) 56.1 his absent. After 20 days, the contractor paid the
(d) 55.3 (e) None of these labourerRs 2100. The number of days the labourer
absented from work days:
5. The average weight of 8 persons increases by 2.5 kg
when a new person comes in place of one them weighing (a) 3 days (b) 5 days (c) 4 days
65 kg. What might be the weight of the new person? (d) 2 days (e) None of these
(a) 65 kg (b) 70 kg (c) 85 kg 3. A can do a piece of work in 120 days and B can do it in
(d) 92 kg (e) None of these 150 days. They work together for 20 days. Then A leaves
and B continues the work. 12 days after that, C joins the
work and the work is completed in 48 more days. In how
SOLUTIONS
many days C can do it alone?
1. (a); Total price of the two books = Rs. [(12 ×
(a) 225 (b) 220 (c) 230
10)– (11.75 × 8)] = Rs. (120 – 94) = Rs. 26
(d) 240 (e) None of these
Let the price of one book be Rs.x
Then, the price of other book = Rs. (x + 60% of x)= x + 4. A builder decided to build a farmhouse in 40 days. He
employed 100 men in beginning and 100 more after 35
3 8 days and completed the work on time. If no additional
( ) x= ( ) x men would have been employed, then find the delay.
5 5
(a) 5 days (b) 6 days (c) 8 days
so, x + ( 5)x = 26 , x=10
8
(d) 10 days (e) None of these

The prices of the two books are Rs. 10 and Rs. 16 2. (b); The total of 11 results = 11 × 50 = 550The total
 P a g e | 20

of first 6 results = 6 × 49 = 294 The total 5. Ramesh can finish a job in 20 days. He worked for 10 days
of last 6 results = 6 × 52 = 312 alone and completed the remaining job working with
Dinesh, in 2 days. How many days would both
 P a g e | 21

Dinesh and Ramesh together take to complete the water must be

entire job? (a) 12 km/h (b) 10 km/h (c) 9 km/h
(a) 4 (b) 5 (c) 10 (d) 8 km/h (e) None of these
(d) 12 (e) None of these 3. From 2 places 60 km apart, A and B start towards each
other at the same time and meet each other after 12
SOLUTIONS 1 hours. Had A travelled with 1 of his speed and B
1. (d); (A + B)’ 4 days work = 4 = 3

8 2 travelled with 350% of his speed, they would have met

1
B’s 2 days work = 2 = after 7.5 hours. The speed of A is
12 6
1 1 1 (a) 4 km/h (b) 3 km/h (c) 1 km/h
∴ Remaining work = 1 − ( + ) =
2 6 3 (d) 2 km/h (e) None of these
1
3=
4. The distance between two stations A and B is 900 km. A
∴ 1 4 days = days that C require train starts from A and moves towards B at an average
12
2. (b); Let he was present on x days, 150(x)−(20 speed of 30 km/hr. Another train starts from B, 20
− x)30 = 2100, x=15 days , no of days he was absent =20- minutes earlier than the train at A, and moves towardsA
15=5days at an average speed of 40 km/hr. How far from A will the
3. (e); A and B per day work = 1 + 1 = 27 two trains meet ?

120 150 1800 (a) 380 km (b) 320 km (c) 240 km

A and B work in 20 days = 20×27
1800 (d) 330 km (e) None of these
B work in 12 days = 12 = 144 5. 2 candles of same height are lighted at the same time.
150 1800
The first is to be consumed in 5 hours and seconds in 4
540 144
Remaining work = 1 − ( + ) hours. Assuming that they burn at constant rates, in
1800 1800
= 1116 how many hours their hei1ght will be in ratio 3 : 2 ?
1800 1116 (a) 20
7 2 (b) 3 3 (c) 4
B and C, 1 day work = 1800 (d)
48 33 (e) None of these
C per day work = 1116 − 1
1800×48 150
540
= 1800×48 = 1160 SOLUTIONS
So no. of days by C to complete the work = 160 1. (c); Remaining distance =12 − 3× 12 = 3km
4. (a); After 35 days 2 4

200 men complete the remaining work in 5 days Remaining time = 45 − × 45 = 15min
3
Speed = 3 3

100 men can complete this work in 200 × 5 min = × 60 = 12km/hr

100 15 15
= 10 days 2. (b); Speed of current = 4 km/hr
Delay = (35 + 10) – 40 = 5 days Speed of rowing in still
5. (a); Ramesh alone finished 1 of the work in 10 days. Water = x km/hr
1
Distance (d) = 42 = 21 km
Remaining 2 was finished2by Ramesh and Dinesh 2 21

together in 2 days. Then, 21 = 2 +

Therefore, they both together can finish the complete 1
x−4
1 x+4

21 ( − )=2
job in 4 days.
x−4 x+4
x2 = 100
SPEED, TIME AND DISTANCE (d) 14 km/h (e) None of these
1. A person sets to cover a distance of 12 km in 45 min. If 2. A river is flowing with a steady speed of 4 km/h. One
he covers 34 of the distance in 23 rd time. What should be
his speed to cover the remaining distance in the
remaining time?
(a) 16 km/hr (b) 18 km/h (c) 12 km/h
 P a g e | 22
60
x = 10 km/h 1x + 3.5y = = 8 km/h
3 7.5
3. (b); Let speed of A = x
x = 3km/h, y = 2 km/h
km/hr Speed of60B = y 4. (a); Distance covered by 2nd train in 20 minutes =
km/h 20
x + y = = 5 km/h × 40 = 40 km
12
rows his boat downstream in the river and then returns 60 3
40 2660
by rowing upstream in the same river. When he returns Remaining distance = 900 − = km
3 3
to the starting point, the total distance covered by him 2660
is 42 km. If the return journey takes 2 h more than his Time after which they will meet = 3 hours
70
onward journey, then the speed of his rowing in still
 P a g e | 23

2660
Distance covered by A in this time = × 30 = SOLUTIONS
210 100
1. (d) CP of mixture = 18.6 × = Rs. 15.5 kg
380 km 120
5. (a); Per hour consumption of Ist candle = 1
5

per hour consumption of IInd candle = 1

4
Let after x1 hour their height is in ratio = 3 : 2
1−(x×) x = Rs. 13.5 per kg

then, 15 = 32
1−(x× )
4
2. (d); Alligation,
Solving the equation, x =20
7

MIXTURE AND ALLIGATION

1. Prabhu purchased 30 kg of rice at the rate of Rs. 17.50
per kg and another 30 kg rice at a certain rate. He mixed
the two and sold the entire quantity at the rate of Rs.
18.60 per kg and made 20 per cent overall profit. At what
price per kg did he purchase the lot of another 30 kg rice
?
(a) Rs. 14.50 (b) Rs. 12.50 (c) Rs. In Petrol Diesel would be 0
15.50 Total mixture tank holds = (40 + 8) = 48 lit.
(d) Rs. 13.50 (e) None of these 3. (b)
2. A tank is full of a mixture of petrol and Diesel where
petrol is 18%. Eight litres of mixture is replaced with
Diesel. If the petrol is now 15%. How much does the tank
hold?
(a) 40 lit. (b) 32 lit. (c) 36 lit.
(d) 48 lit. (e) None of the above
3. A barrel contains a mixture of wine and water in the ratio
4. (b); First container is full of milk
3 : 1. How much fraction of the mixture must be drawn
Let capacity = 27 ℓ
off and substituted by water so that the ratio of wine and
water in the resultant mixture in the barrel becomes 1 : Water in IIn container = 9 ℓ
After Ist operation
1? Milk in Ist container = 9 ℓ

(a) 1 (b) 1 (c) 2

43 3 3 Milk, water in IInd container = 18, 9 ℓ

(d) (e) none of these After 2nd operation

2
4. There are two vessels of equal capacity, one full of milk, Milk, Water in Ist container = 21, 6 ℓ
and the second one-third full of water. The second vessel Milk, water in in IInd container 6, 3 ℓ
is then filled up out of the first, the contents of the After 3rd operation
second are then poured back into the first till it is full and Milk, water in Ist container = 7, 2 ℓ
then again the contents of the first are poured Milk, water in IInd container = 20, 7 ℓ
back into the second till it is full. What is the proportion 5. (c); Let first blend is 2 kg and second blend is 3 kg.
of milk in the second vessel ? Total C.P = 35 × 2 + 40 × 3 = Rs 190
(a) 20
37
(b) 20
27
(c) 37
20 Total S.P = 1 × 46Totalprofit
+ 4 × 55 = 266 266−190

(d) 27 (e) None of these Profit percent = × 100 = ×100

20 TotalC.P 190
76
5. Two blends of a commodity costing Rs. 35 and Rs. 40 per = × 100 = 40%
190
kg respectively are mixed in the ratio 2 : 3 by weight. If
one-fifth of the mixture is sold at Rs. 46 per kg MENSURATION
and the remaining at the rate Rs. 55 per kg, the profit percent is:
 P a g e | 24

(a) 50 (b) 20 (c) 40 1. The width of a rectangle is 10 meter and its area is 150
(d) 30 (e) None of these square meter. If length of the rectangle is increased
then its new area is 4 times of the original area. What is
3
the new perimeter of the rectangle?
(a) 48 m (b) 52 m (c) 54 m
(d) 60 m (e) None of these
 P a g e | 25

2. A hemispherical bowl is made of 0.5 cm thick steel. 4. How many 3 letters words (with or without meaning)
Inner radius of the bowl is 4 cm. The volume of steel used can be formed out of the letters of the word,
in making the bowl is "SWITCHBOARD", if repetition of letters is not allowed?
(a) 55.83 cm3 (b) 56.83 cm3 (c) 113.67 cm3 (a) 1000 (b) 9900 (c) 990
(d) 58.83 cm3 (e) None of these (d) Can’t be determined (e) none of these
3. The bases of a hemisphere and a cone are equal. If their 5. In how many ways can the letters of the word "LIGHT"
heights are also equal then ratio between their curved be arranged (using each letter exactly once) ?
surface area is— (a) 60 (b) 120 (c) 240
(a) 1 : √2 (b) √2 ∶1 (c) 1 : 2 (d) Can’t be determined (e) none of these
(d) 2 : 1 (e) None of these 6. A bag contains 5 red balls and 7 blue balls. Two balls
4. The length of a rectangular plot is thrice of its breadth. are drawn at random without replacement, and then
If the area of the rectangular plot is 7803 sq m, what is find the probability of that one is red and other is blue.
the breadth of the rectangular plot? (a) 33/65 (b) 35/66 (c) 37/66
(a) 51 m (b) 153 m (c) 104 m (d) 41/65 (e) None of these
(d) 88 m (e) None of these 7. A bag contains 3 red balls and 8 blacks ball and another
5. Area of a rectangle is 252 cm2 and its length and the bag contains 5 red balls and 7 blacks balls, one ball is
breadth are in the ratio of 9 : 7 respectively. What is its drawn at random from either of the bag, find the
perimeter? probability that the ball is red.
(a) 64 cm (b) 68 cm (c) 128 cm (a) 93/264 (b) 95/264 (c) 91/264
(d) 96 cm (e) None of these (d) 97/264 (e) None of these
8. 12 persons are seated at a circular table. Find the
SOLUTIONS probability that 3 particular persons always seated
1. (d); Let length of new rectangle be x m together.
4
Then x × 10 = 150 × = 200 or, x = 20 m (a) 9/55 (b) 7/55 (c) 4/55
3 (d) 3/55 (e) None of these
Hence new perimeter= 2(10 + 20) = 60 m
2 2 9. P and Q are two friends standing in a circular
2. (b); Required volume= π(R3 − r3) = π(4.53 − 43) arrangement with 10 more people. Find the probability
3 3
2 22
= 3×
3
× 27.125 cm = 56.83 cm
3 that exactly 3 persons are seated between P and Q.
7 (a) 5/11 (b) 4/11 (c) 2/11
2
3. (b); Required ratio = = √2 =√2 (d) 3/11 (e) None of these
2πr 2r 2r
= = =
2r

πrl l √r2+r2 √2 r 1
:1 10. A basket contains 5 black and 8 yellow balls. Four balls

4. (a); Let breadth= x, length= 3x are drawn at random and not replaced. What is the
x. 3x = 7803, x = 51 probability that they are of different colours
5. (a); 9x. 7x = 252, x = 2 alternatively.
Perimeter= 2(18 + 14) = 64 (a) 56/429 (b) 57/429 (c) 61/429
(d) 68/429 (e) None of these
PERMUTATION, COMBINATION AND PROBABILITY
1. A box contains 2 white balls, 3 black balls and 4 red balls. SOLUTIONS
In how many ways can 3 balls be drawn from the box, if 1. (c); Way of drawing at least one black ball = Total no. of
at least one black ball is to be included in the draw? ways – no black ball
(a) 32 (b) 48 (c) 64 9 c3 − 6 c3

= 9×8×7 − 6×5×4
3×2 3×2
(d) 96 (e) None of these = 84 − 20
2. In how many different ways can the letters of the word = 64
'DETAIL' be arranged in such a way that the vowels (a) 907200 (b) 1814400 (c) 40320
occupy only the odd positions? (d) Can’t be determined (e) none of these
(a) 32 (b) 48 (c) 36
(d) 60 (e) 120
3. In how many ways, can the letters of the word
"TELEVISION" be arranged?
 P a g e | 26

2. (c); Three vowels can be placed in 3 odd places in

3c3 × 3!

= 6 ways
Total ways = 6 × 3! = 36
3. (a); Total ways = 10! = 907200
2!2!
4. (c); Since all letters are unique.,
Total no. of ways of forming 3 letter words
= 11c3 × 3!
 P a g e | 27

= 11×10×9 × 3 × 2 9. I. x2−7√3x +35√15 -5√5x=0II. y2−5√5y +30=0

3×2
= 990 10. I. 14x2+11x −15=0 II. 20y2−31y +12=0
5. (b); Total ways = 5! = 120
7 7 5
6. (b); Required probability = 5 × + × Directions (11-15): Compare the value of 2 quantities

35 35 12 11 12 11 given in the question and give answer

= +
12×11 12×11 (a) if quantity I > quantity II
35
= 66 (b) if quantity I < quantity II
1
7. (c); Probability of choosing either of the bags = (c) if quantity I ≥ quantity II
2
Required Probability = 1 × 3 (d) if quantity I ≤ quantity II
+1× 5

1 3 5 2 11 2 12 (e) if quantity I = quantity II or no relation can be

= ( + ) established
2 11 12
1 36+55
11. Quantity I — cost price of an article having marked
= 2( )
132 price = Rs. 400, which when sold at 20% discount still
91
= 264 make a gain of 6 2 %
3
8. (d); Taking 3 particular persons as single entity, we
have 12 – 3 + 1 = 10 persons to be seated. Quantity II — cost price of an article which is sold at
No. of ways of seating these 10 persons = (10 – 1)!× 3! 14% profit and if cost price and selling price both are Rs.
= 9! × 3! 117 less, the profit would be 9% more.
Total no. of ways of seating 12 persons = (12 – 1)! = 11! 12. Quantity I — the sum of money for which the difference
3×2 3
Required probability = 9!×3! = = between SI and CI obtained on it in 2 years at

11! 11×10 55 6% per annum compounded annually is Rs. 43.2.

9. (c); No. of ways in which exactly 3 persons are seated
Quantity II — Rs. 12850
between P and Q = 10c3 × 2! × 3! × 7!
Total ways = (12 – 1)! = 11! 13. Quantity I — average income of the whole group of 75
1 0
Required probability = 2×3! × c ×37! = 2 people, if average income of the men in the group is Rs.
11! 11 4200 and that of women is Rs. 4000. (total men : total
10. (a); If first ball drawn is black, then women = 8 : 7)
8 4 7
Probability = 5 × × × Quantity II — The average income of 20 people, which
13 12 11 10
If first ball drawn is yellow, then decreases by Rs. 150 if a person with income of Rs.
5
Probability = 8 × × ×
7 4 1000 joins them.
13 12 11 10
14. Quantity I — The distance of school from Aman’s
Required probability is the sum of above two.
house if he reaches school 5 minutes late which walking
i.e. 2×8×5×7×4 = 56
13×12×11×10 429 at 4 km/hr but 10 minutes earlier than scheduled time
walking at 5 km/hr.
INEQUALITY Quantity II — 5 km
Directions (1-10): In each of these questions, two equations 15. Quantity I — Product of 2 numbers, whose sum is 17
(I) and (II) are given. You have to solve both the equations and sum of the squares of 2 no. is 145.
and give answer- Quantity II — Sum of 2 numbers, whose product is
(a) if x > y (b) if x y 1400 and difference between them is 5.
(c) if x < y (d) if x y
(e) if x = y or the relationship between x and y cannot be SOLUTIONS
established. 1. (b); x = −7, 4
1. I. x2 + 3x = 28 II. y2 + 16y + 63 = 0 y = −9, −7,

3
2. I. x = √ 2744 II. y2 = 841 x≥y
3. I. 8x2 - 49x + 45 = 0 II. 6y2 -
y - 7 =0 5. I. 7x2 – 54x + 0 II.
4. I. 5x2 – 29x + 36 = 0 II. 10y2 – 3y – 27 = 0 99 = 4y2 – 16y + 15 = 0
 P a g e | 28

6. I. 5x2 – 87x + 378 = 0 II. 3y2 – 49y + 200 = 0 2. (e); I. x= 3√2744

7. I. 14x2 – 37x + 24 = 0 II. 28y2 – 53y + 24 = 0 x = 14
II. y2 = 841
y = ±29
x≠y

8. I. 63x−94√x +35=0 II. 32y−52√y +21=0 3. (e); I. 8x2 − 49x + 45 = 0

 P a g e | 29

8x2 − 40x − 9x + 45 = 0 20y2 − 15y − 16y + 12 = 0

8x (x − 5) − 9 (x − 5) = 0 5y(4y − 3) − 4(4y − 3) = 0
9 y= ,
4 3
x = 5, 5 4
8
II. 6y2 − y − 7 = 0 y>x
80
6y2 + 6y − 7y − 7 = 0 11. (a); Quantity I — SP = 400 × = 320
100
6y (y + 1) − 7(y + 1) = 0 300
CP = × 320 = Rs. 300
7 320
y = −1,
6 Quantity II — Let CP = 100 x
i. e. no relation SP = 114x
4. (b); x = 4, 9 New CP = 100x − 117
5
New SP = 114x − 117 14x
y = 9 , −3
5 2 Profit percentage = × 100 = 23
⇒x≥ y (100x−117)

5. (a); x = 3, 33 x = 2.99, CP = 299 Rs.

7
y=3,
5 Quantity I > Quantity 2II

2 2 12. (b); Quantity I — P(6) = 43.2

⇒x>y (100)2

6. (a); x = 9, 42 P = 12000 Rs.

5
Quantity II — Rs. 12850
y = 8, 25
3 Quantity I < Quantity II
⇒x>y 13. (b); Quantity I — men → 40, women → 35
8
7. (b); x = 32 , 7 Average = 40×4200+35×4000 = 4106 2 Rs.
3

y=8, 75 3
7 4 Quantity II — Let the average = x
∴x≥y 7x(2x + 3) − 5(2x + 3) = 0
−3 5
8. (e); Let √x = a x= ,
27
63a2 − 94a + 35 = 0
63a2 − 49a − 45a + 35 = 0
7a(9a − 7) − 5(9a − 7) = 0
5 7
a= ,
7 9
x = 25 , 49
49 81
Let √y = b
32b2 − 28b − 24b + 21 = 0
4b(8b − 7) − 3(8b − 7) = 0
3 7
b = ,
4 8
y = 9 , 49
16 64
No relation can be established.
9. (a); x2 − 7√3x − 5√5x + 35√15 = 0
x(x − 7√3) − 5√5(x − 7√3) = 0
x = 5√5, 7√3
y2 − 2√5y − 3√5y + 30 = 0
y(y − 2√5) − 3√5 (y − 2√5) = 0
y = 2√5, 3√5
x>y
10. (c); 14x2 + 21x − 10x − 15 = 0
 P a g e | 30

20x+1000 = (x − 150), x = 4150 Rs. of father and the son after five years?
21
I. Father’s present age is twice son’s present age.
quantity I < quantity II
x 15
14. (e); Sol. x − = , x = 5 km
4 5 60
Quantity I = Quantity II
15. (e); Sol. Quantity I — x + y=
17
................................................................................
(i)
x2 + y2 = 145 ........................ (ii)

Squaring both side in eq (i)

x
2

+
y
2

+
2
x
y
=
2
8
9
x
2

+
y
2

=
1
4
5
144
xy = = 72
2
Quantity II — x(x + 5) = 1400
x = −40, x + 5 = −35
or x = 35, x + 5 = 40, sum = – 75
or 75

Direction (1-5): Each question is DATA SUFFICIENCY

followed by three statements. You
have to study the question and all
the three statement given and
decide whether any information
provided in the statements is
redundant and can be dispensed
with while answering the questions
1. What will be the sum of the ages
 P a g e | 31

II. After ten years the ratio of father’s age to the son’s age
will become 12 : 7. SOLUTIONS
III. Five years ago the difference between the father’s age 1. (c); Let age of father = x
and son’s age was equal to the son’s present age. Age of sun = y
I - x = 2y
(a) I or II only (b) II or III only
II - x+10 = 12
(c) I or III only (d) III only y+10 7
III - x − y = y, x = 2y
(e) I or II or III only I & III are the same, so either I or III can be dispensed.
2. What will be the difference between share of P and 2. (e); I— Total amount invested = Rs. 25,000
share of Q in the profit earned by P, Q & R together? 30
II — Profit = 100× 25000
I. P, Q & R invested total amount of Rs. 25,000 for a III — Investment of Q = 12500 Rs. , investment of P & R
period of two years. together = 12500
II. The profit earned at the end of two years is 30% Individual investment of P & R is not known so difference
III. The amount invested by Q is equal to the amount between their share in profit can’t be calculated.
3. (e); I — P×R×3 = 4500, PR = 150000 Rs.
invested by P & R together. 100
II — R = 10%
(a) I only (b) II only (c) III only R 3 PR×3
(d) All I, II & III are required to answer the question III — [P (1 + ) − P] − [ ] = 465
100 100
(e) Question cannot be answered even with the So any of 1 the 3 students can be dispensed, as question
information given in all three statements. can be answered by any
(200+200) 18
2 statements.
3. What is the total compound interest earned at the end 4. (d); I— 7 S = × km/hr
4 15 5
of three years? II— Distance = 560 km
I. Simple interest earned on that amount at the same rate 200 18
III— S = 10 × 5 km/hr
and for the same period is Rs. 4500. So either Statement I or III can dispensed.
II. The rate of interest is 10 p.c.p.a. 5. (c); I— πr2 = 616 m2, r = 14 m
780
II— cost of fencing = = Rs. 6.5/ m
III. Compound interest for three years is more than the 120
simple interest for that period by Rs. 465. III- r=a=√196=14 m
(a) Only I or II (b) Only II Question can be answered with II and either I or III so
(c) Only I or only III (d) only III either I or III can be dispensed.
(e) only I or only II or only III
DATA INTERPRETATION
4. At what time will the train reach city ‘X’ from city ‘Y’?
1) TABLES
I. The train crosses another train running at 75% of its
Directions (1-5): Study the following information carefully
speed and of equal length of 200 metres and running in
and answer the questions given below it.
opposite direction in 15 secs.
II. The train leaves city ‘Y’ at 7.15 a.m. for city ‘X’, situated Strength (Number of employees)
at a distance of 560 kms. of Seven companies over the Years
III. The 200 metre long train crosses a signal pole in 10 secs. Institutes
Year
(a) I only (b) II only Infosys TCS HCL Borsch Wipro Adobe Oracle
(c) III only (d) either I or III 2012 750 640 680 780 740 620 650
(e) All I, II and III are required to answer the question. 2013 700 600 720 800 720 580 720
22
5. What will be the cost of fencing a circular plot? (π = ) 2014 800 620 730 820 760 640 730
2015 820 660 670 760 750 560 750
7
I. Area of the plot is 616 square metres. 2016 740 760 690 790 780 650 680
II. Cost of fencing a rectangular plot whose perimeter is 2017 720 740 700 810 730 630 690
120 metres is Rs. 780. 2018 780 700 660 840 720 660 740
III. Area of a square plot with side equal to the radius of the
circular plot is 196 sq metres. 1. What is the ratio between total strength of company
(a) I only (b) III only Infosys, TCS and HCL together in 2013 and the total
(c) I or III only (d) II only strength of company Wipro, Adobe and Oracle together
(e) Question cannot the answered even with in 2015 respectively?
information in all three statements. (a) 103 : 101 (b) 101 : 103 (c) 51 : 53
(d) 53 : 51 (e) None of these
 P a g e | 32

2. If in 2012, 70% of total employees of all the companies

together got promoted, then total how many employees
got promoted in 2012 from all the companies together?
Girls
(a) 3402 (b) 3420 (c) 3422
(d) 3382 (e) None of these Electrical
3. If from TCS, overall 60% employees passed in a test for Mechanic
16% al
all the given years, approximately what is the average
number of employees passed? 15% Civil
(a) 430 (b) 425 (c) 390 9%
IT
(d) 395 (e) 405 19%
4. Strength of employees in Adobe in 2014 was what
percent of the total strength of that company for all Ece
seven years together? (Rounded off to two digits after 18%
decimal) Csc
(a) 14.28 (b) 14.98 (c) 12.90 23%
(d) 14.75 (e) None of these
5. What is the difference between the total numbers of
1. If the difference between number of boys and number
employees in 2016 for all the companies together and
total number of employees in 2018 for all the companies of girls in IT department is 3, then find the total number
together? of students studying in CSc in the college.
(a) 50 (b) 70 (c) 10 (a) 625 (b) 725 (c) 615
(d) 30 (e) None of these (d) Data inadequate (e) None of these
2. Total number of boys in ECE and Civil together is what
SOLUTIONS times of the difference between girls in CSc and girls in
70 0+600+720
1. (b); Ratio = = 202 0 = 101 ∶ 103
electrical ?
7 50+ 56 0+75 0 720060
2. (a); Required employees = × 4860 =
100 3402 (a) 4 (b) 5 (c) 6
4720
3. (e); Required average = 60 × ≈ 405 (d) Data inadequate (e) none of these

100 7
640 3. If total number of boys in mechanical are 108% more
4. (d); Required % = × 100
4340 than total no. of girls in mechanical, then find the
= 14.75% difference between boys in mechanical and girls in
5. (c); Required difference = 5100 – 5090 = 10 Electrical Boys
8%
2) PIE CHART
Directions (1-5): Given below are the pie-chart showing the
percentage distribution of boys and girls of a college in
different departments. (Note: total number of boys are 20% IT
more than the total number of girls) 16%
al
26%

CSc
15%
Civil
21%
ECE
14%
 P a g e | 33

mechanical ?
(a) 50 (b) 255 (c) 155
(d) Data inadequate (e) None of these
4. If 25% of the girls of mechanical change their
department from mechanical to CSc, then the new
number of girls in CSc is how much more than boys in
CSc. (Given that there are 192 boys in electrical
department)
(a) 160 (b) 150 (c) 175
(d) Data inadequate (e) None of these
5. Find the total number of students in the college, if in
annual exams 45% of the total boys passed, 32% of the
total girls passed, while a total of 2150 students passed.
(a) 5100 (b) 5500 (c) 5000
(d) 6000 (e) None of these

SOLUTIONS
1. (c); Let total number of girls =
GGirls in IT = 0.19 G
Total no. of boys = 1.2 G
 P a g e | 34

16
Boys in IT = × 1.2G = 0.192 G 2. If 24% of articles sold by company A in 2013 and 22%of
100
articles sold by company A in 2014 are defective. Then
0.192G – 0.19G = 3, G = 1500
defective articles sold by A in 2013 and 2014 are
Total number of students in CSc what percent less than articles sold by company B in
23 15
=( × 1500) + ( × 1500 × 1.2) = 615 2010 and 2012 together? (approx)
100 100
2. (c); Let total number of girls = G (a) 70% (b) 74% (c) 80%
Difference between girls in CSc and in electrical = (d) 72% (e) None of these
(23−16) × G = 0.07G 3. What is the approximate difference between the
100
35 average of articles sold by company A and B in over the
Boys in ECE and Civil together = × 1.2G = 0.42 G
100 given period?
0.42G
= 6 (a) 4320 (b) 3320 (c) 4333
0.07G
(d) 3333 (e) None of these
3. (d); No. absolute value is given in the question so the
4. Number of articles sold by company A in 2009, 2011 and
required difference can’t be calculated.
100 2013 together is approximately what percent more than
4. (c); Total no. of boys = × 192 = 2400
8 the average of article’s sold by company B in year 2012,
2400
Total no. of girls = × 100 = 2000 2013 and 2014?
120 25 15
New no. of girls in CSc = 23 × 2000 + × × (a) 190% (b) 200% (c) 197%

100 100 100 (d) 180% (e) None of these

2000 = 535 5. If number of articles sold by company B in 2015 is 78%
15
Boys in CSc = × 2400 = 360 more than the difference between articles sold by
100

Required difference = 535 − 360 = 175 company A and Company B in 2014 then find the
5. (b); Let total no. of girls = G approximately increase are decrease in the articles sold
by company B in 2015 from previous year
Total no. of boys = 1.2 G
(a) 77% increase (b) 87% decrease
1.2 × 0.45G + 0.32G = 2150
(c) 77% decrease (d) 92% decrease
G = 2500
(e) None of these
B = 3000
G + B = 5500 SOLUTIONS
1. (a); Number of articles sold by company A in
LINE GRAPH 2010, 2012 and 2014 = 99000 + 78000 + 159000
Directions (1-5): Study the following line graph and = 336000
answer the questions based on it. Number of articles sold by company B in 2010, 2013
and 2014
= 120000 + 107000 + 148000
= 375000
Required ratio= 336/375
24
2. (d); Defective articles in 2013 by A = × 120000
100
= 28800
22
Defective article in 2014 by A = × 159,000
100
= 34980
Articles sold by company B in 2010 & 2012 = 120000 +
128000
248000−63780
Required % = × 100
1. What is the ratio of number of articles sold by company 248000
A in year 2010, 2012 and 2014 together to the number ≈ 72%
of articles sold by company B is 2010, 2013 and 2014?
 P a g e | 35

3. (c); Average of articles sold by company A =

(a) 336 (b) 436 (c) 353 119000+99000+141000+78000+120000+159000
375 453 553 6

342
(d) (e) None of these =
1000(119+99+141+78+120+159)
451 6
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≈ 119333 2. From which of these colleges the total number of

Average of articles sold by company B students participated is 2nd minimum?
= 1000(139+120+100+128+107+148) (a) College P (b) College Q (c) College R
6 (d) College S (e) None of these
≈ 123666
3. If 40% of the total students of college S who
Required difference = 123666 − 119333 participated in acting, are doing solo acting and other
= 4333 2
4. (c); Number of articles sold by company A in are in group acting. 66 % of the students participated
3
in group acting are a part of comedy dramas. Then find
2009, 2011, and 2013 = 1000(119 + 141 + 120)
the total number of students who are acting in comedy
= 380000
dramas.
Average of articles sold by company B in 2012, 2013 (a) 104 (b) 120 (c) 110
and 2014 (d) 108 (e) None of these
(128+107+148)×1000
= 4. The difference between the no. of students participating
3
=
383000
= 127666.66 in dancing from college P and R and that in singing from
3 T and U ?
≈ 127666 (a) 165 (b) 170 (c) 82
252334
Required percentage = × 100 (d) 94 (e) None of these
127666
= 197% 5. The total number of students participated from college
5. (b); Difference of articles sold by company A & B in S is what percent more/less than the no. of that from
2014 college R?
(a) 5.23% (b) 5.13% (c) 5.03%
= (159 − 148)1000
(d) 4.93% (e) 4.73%
= 11000
178
Articles sold by company B in 2015 = × 11000
100 SOLUTIONS
340+190+220
= 19580 1. (b); Required ratio = = 25 ∶ 26
Decrease in percentage of B from 2014 to 2015 = 240+320+220
148000−19580 2. (d); Total students participated from college P = 840
× 100 ≈ 87%
148000 From college Q = 900
From college R = 780
BAR GRAPH From college S = 740
Directions (1-5): The following graph shows the number of From college T = 790
students participated in annual talent show of Kurukshetra From college U = 730
university from different colleges. Study the graph carefully From college V = 870
to answer the given questions.
Q>V>P>T>R>S>U
2nd minimum number of students participated from
college S
3. (a); Total number of students participating in Acting of
college S=260
Number of students who are acting in comedy
2
drama= 60 × × 260 = 104
100 3
4. (b); Total number of students participating in dance
from P and R=340+260=600
Number of students participating in singing from T and
1. Find the ratio of the total number of students U is =280 + 150 = 430
participated in dancing from college P, T & V together to Difference=600 − 430 = 170
the total students participated in singing from college P, 5. (b); Total number of students from college S=340 +
Q & R together. 260 + 140 = 740
(a) 28 : 27 (b) 25 : 26 (c) 25 : 29 Total number of students from college
(d) 27 : 29 (e) None of these R=260+200+320=780
 P a g e | 37

Required percentage =780−740 × 100 = 5.13% (d) 600 (e) 950

780
5. If the average number of qualified candidates in 2006
and 2008 was 249, what per cent of appeared
MISSING DI
candidates qualified in the competitive exam in 2006?
Directions (1–5): Study the table and answer the given (a) 40 (b) 30 (c) 20
questions. (d) 35 (e) 25
Data related to candidates appeared and qualified from
State ‘x’ in a competitive exam during 5 years SOLUTIONS
% of Respective ratio of
1. (c); No. of qualified candidates in = 2010
No. of appeared number of qualified
male and number of
= 64 × 9 = 576
Years appeared candidates
candidates who qualified female ∴ no. of males = 576 − 176
qualified candidates = 400
2006 700 –– 3:2 ∴ Required Ratio = 400 ∶ 176
2007 –– –– 5:3 = 25 ∶ 11
480 60% –– 2. (d); No. of appeared candidates in 2011
2008 140
–– 42% 9:5 = × 700
2009 100
2010 900 64% –– = 980
25
1. In 2010, if the number of female qualified candidates Required no. of candidates = × 980
100
was 176, what was the respective ratio of number of = 245
male qualified candidates and number of female 3. (c); Let appeared candidates in 2007 = 500
qualified candidates? ∴ Let qualified candidates in 2007 = 400
(a) 25 : 16 (b) 5 : 4 (c) 25 : 11 ∴ No. of female qualified in 2007
(d) 21 : 16 (e) 17 : 11 3
= × 400 = 150
2. The number of appeared candidates increased by 40% 8
150
from 2006 to 2011. If 25% of the appeared candidates ∴ Required % = × 100 = 30%
500
qualified in 2011, what was the number of qualified 4. (d); Let no. of males qualified in 2009 = 9x
candidates in 2011? ∴ No. of females qualified in 2009 = 5x
(a) 240 (b) 225 (c) 255 ∴ 9x − 5x = 72
(d) 245 (e) 230 4x = 72
3. In 2007, the respective ratio of number of appeared x= 18
candidates to the qualified candidates was 5 : 4. Number ∴ No. of candidates qualifed in 2009 = 14x
of female qualified candidates constitutes whatper cent = 14 × 18
of number of appeared candidates in the same year? = 252
(a) 20 (b) 25 (c) 30 252
(d) 15 (e) 40 ∴ Required no. of candidates = × 100
42
4. In 2009, if the difference between number of male = 600
qualified candidates and female qualified candidates 5. (b); let candidate who qualified in 2006= x
was 72, what was the number of appeared candidates candidate who qualified in 2008= 480× 0.6 = 288
in 2009? x= 498-288 = 210
(a) 800 (b) 900 (c) 850 required percent= 210= 30%
7
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ENGLISH LANGUAGE
Directions (1- 10): In the following passage, there are blanks, Directions (11-20): In the following passage there are blanks,
each of which has been numbered. These numbers are printed each of which has been numbered. These numbers are printed
below the passage and against each, five words are suggested, below the passage and against each, five words/phrases are
one of which fits the blank appropriately. Find out the suggested, one of which fits the blank appropriately. Find out
appropriate word in each case. the appropriate word/phrase in each case.
There exists a highly unequal distribution of incomes and Hundreds of plants and animals are (11) every day due to
_(1) within countries and between countries. While billions of deforestation and urbanization. What might happen if this
people enjoy (2)_and good health, more than one billion people continues in the future? The last mass extinction of plant and
live in (3) poverty, struggling for mere survival every day. animal species occurred 65 million years ago with the
The poorest of the poor face the daily life-and-deathchallenges dinosaurs. In all, five mass extinctions have occurred and
of insufficient nutrition, lack of healthcare, unsafe shelter, lack scientists (12) earth is in the sixth mass extinction. The world
of safe drinking water and sanitation. A grotesquely (4) as it is now is threatened, including people, who are responsible
distribution of income means millions of children run the risk for earth's (13). Pesticides contaminating water;
of dying from easily treatable diseases. Economic inequality has overharvesting of animals and plants; air pollution; illegal
always been a subject of _(5) _. fishing and the clearing of land are direct results of urbanization
As far back as 1971, Jan Pen, a Dutch economist, came up with and deforestation. People have (14) anddamaged almost half of
a graphical representation of income inequality within the earth's land, at a very unsustainable rate.
British economy. To draw his famous graph, the heights of all Global warming is having a serious impact as well. A six-
adults was imagined as (6) to their income and they were degree Celsius increase in global temperature killed 95% of all
made to take part in an hour-long parade in the ascending order species on Earth 251 million years ago. An increase of six-
of their income. Pen then described what observers of average degree Celsius is forecast this century if a change is not made to
height would see. It would be a parade of dwarfs and at the very (15) the damage done to earth. Humans will be one of the 95%
end some giants would (7)_ . The first marchers, the owners of species lost. Noticeable, changes of global warming include
of loss-making businesses, the jobless, the working poor will not migration (16) and the change in season timings. Migrating
be (8) at all. Their heads are below the ground. By even birds are migrating earlier which in turn is causing them to
halfway (9) the parade, the marchers are still quite short. It hatch eggs and (17) young earlier than they did at the beginning
takes about 45 minutes before the marchers are as tall as the of this century. While this is just the tip of the iceberg many
observer. In the final stage, the giants will (10) . With six other (18) regarding the extinction of plant and animal species
minutes to go they are 12 feet tall; when the highest earners need addressing. It is more important now than ever before to
walk by, right at the end, each is more than two miles tall. pull our heads out of the sand and make changesfor the (19) of
1. (a) Advantages (b) Assets (c) Boon the earth. Future generations are (20), as they are a species as
(d) Liability (e) Gist well.
2. (a) Atrophy (b) Permanence (c) Epoch 11. (a)killing (b)alive (c)born
(d) Longevity (e) Continuity (d)left (e)lost
3. (a) Compact (b) Exalted (c) Dyspeptic 12. (a)speak (b)told (c)estimation
(d) Magnificent (e) Abject (d)believe (e)consider
4. (a) Unequal (b) Estimable (c) Commensurate 13. (a)shape (b)development (c)deterioration
(d) Menacing (e) Perilous (d)warmth (e)expansion
5. (a) Discourse (b) Pontificate (c) Review 14. (a)altered (b)created (c)produced
(d) Exegesis (e) Observation (d)made (e)brought
6. (a) Convertible (b) Homologous (c) Proportionate 15. (a)void (b)dissipate (c)augment
(d) Identical (e) Substitute (d)reverse (e)increase
7. (a) Attain (b) Happen (c) Appear 16. (a)delay (b)birds (c)slowdown
(d) Disembark (e) Originate (d)hasten (e)acceleration
8. (a) Palpable (b) Visible (c) Tangible 17. (a)spare (b)bear (c)destroy
(d) Perceptible (e) Indubitable (d)amend (e)generation
9. (a) By (b) Over (c) Through 18. (a)animals (b)difficulty (c)issues
(d) With (e) On (d)humans (e)problem
10. (a) Drivel (b) Obey (c) Neglect 19. (a)extinction (b)better (c)wealth
(d) Dominate (e) Devour (d)stigma (e)demand
20. (a)endangered (b)threaten
(c)evaluated (d)living

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1931-32 the capital of companies registered abroad was

SOLUTIONS: nearly four times that of companies registered in India. Butthis
1. (b) is not an exact guide because it leaves out of account the stock
2. (d) in British companies held by Indians, as well as government
3. (e) stocks.
4. (a) Speaking plainly, it may be said that the capital of the cotton
5. (a) industry was mainly Indian, that of the iron and steel industry
entirely so, that of the jute industry about half and half, while
6. (c)
the coal and plantation industries were mainly British, together
7. (c) with that used for the building of railways, irrigation, and other
8. (b) public works. Management in the cotton and steel industries
9. (c) was mainly Indian though European technicians were freely
10. (d) employed, that of the jute, coal, and the plantation industries
11. (e); ‘killing’ cannot be the answer as the sentence is in being European, the jute men in particular being Scotch. Their
passive voice. So, ‘lost’ is suitable. capital, apart of course from government enterprise, operated
12. (d); ‘Estimation is the noun and told’ is in past tense. thorough joint-stock companies and managing agencies. The
Hence, both are incorrect here. Hence ‘believe’ is suitable. latter arose through the convenience found by bodies of
13. (c); capitalists seeking to develop some new activities and lacking
14. (a) any Indian experience, of operating through local agents. It
15. (d) arose in the period after 1813 when private merchants took
16. (e); The next line makes clear that ‘delay’ or ‘slowdown’ over the trade formerly monopolized by the Company. The
cannot be the answers. Hence, acceleration is suitable. money world be found in Britain to promote a tea garden, a coal
mine, or a jute mill, but the management would be confided to
17. (b);
a firm already on the spot. The managing agency was the
18. (c); ‘problem’ and ‘difficult’ are the options of similar
hyphen connecting capital with experience and local
meaning but are singular and ‘many other’ must be
knowledge.
followed by a plural one.
Until 1914 the policy of the government continued in the main
19. (b)
to be one of ‘enabling’ private capital and enterprise to develop
20. (a); The sentence is in passive voice. Hence, ‘threaten’ the country. Direct promotion was confined to public utilities
cannot be the answer as it is in present form. like canals and railways. The line between enabling and
interfering action became distinctly blurred, however, in the
Directions (1-10): Read the following passage carefully and case of the cotton industry and there was a tendency for
answer the questions given below it. Certain words have been enabling action to pass over into the positive promotion of
printed in bold to help you locate them, while answering some particular projects. This was most noticeable in the time of Lord
of the questions. Curzon with his establishment of an imperial department of
A major problem of Indian industrial and commercial agriculture with a research station at Pusa and a departmentof
development was the supply of capital. Until 1850, British commerce and industry presided over by a sixth member of the
capital was shy of Indian adventure. The risks and unknown Viceroy’s Council. The First World War began the transition to
factors were too great, and prospects in other directions too a new period of active promotion and positive support. As the
bright. The working capital of the agency house after 1813 at conflict lengthened there arose a demand for Indian
first consisted mainly of the savings of the Company’s servants. manufactured goods. India failed to take full advantage of this
Their cries of woe when these houses fell as in the crisis of 1831 opportunity, partly because of uncertainty as to the future and
were loud and poignant. Indian capital was also shy for different partly because the means for sudden expansion were lacking.
reasons. It needed to acquire confidence in the new regime, and The outcome of this situation was the appointment of an
outside the presidency towns, to acquire confidence in the new industrial commission in 1916, under pressure from London.
regime, and outside the presidency towns, to acquire the habit The commission criticized the unequal development of Indian
of investment. Investment for large scale production for industry which had led to the missingof her, war opportunity.
‘enabling’ works like railways was an unfamiliar and suspected A much closer co-operation with industry was planned through
practice. Thus, the first big development came when European provincial departments ofindustry. Increased technical training
capital was coaxed into the country by government guarantees and technical assistance to industry was proposed while it was
or went of its own free will to develop industries with which it suggested that the central government should set up a stores
was already familiar as in the case of jute or coal. Indian capital department which should aim at making India self-sufficing in
followed where it was in touch with European practice as in this respect. The commission’s report was only partially
Bombay (Mumbai) and dealing with familiar products like implemented, but a stores department and provincial industrial
cotton. These considerations throw into all the greater relief departments were created and something was done towards
the achievement of the Tata’s in developing iron and steel. Thus, promoting technical assistance. The importance of the report
the major part of the capital provided was British which a and its aftermath was that it marked the transition from the
steadily increasing Indian proportion from 1900. As late as conception of Indian economy in broadly colonial terms with
freedom for private

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enterprise to the conception of India as an autonomous (d) Preference was given to British capitalists, buffeted by
economic unit. the fact that the country was under British rule.
1. The following can be inferred from the passage: (e) Preference was given to European capitalists.
A. Industrial development of a country requires supply of 6. From this passage, it can be inferred that one of the
external capital. problem that could have cropped up in the early stages of
B. Investment in uncertain industries is more when industrialization might have been.
government provides guarantees against failure. (a) government interference in day-to-day operations of
C. Lack of indigenous technical expertise cab be a business.
constraining factor in a country’s economic development. (b) equitable sharing of risks between domestic and
D. Enabling infrastructure like railways would have to be foreign investors.
provided necessarily by the government. (c) ensuring adequate working capital.
E. Marked development for the final products is a important (d) regulation of the stock markets to protect investors
prerequisite for industrial development. from dubious enterprises.
(a) A and B (b) A, C and D (c) B, C and E (e) the alignment of interest of the capitalists and the
(d) C, D and E (e) A, B, C and E management.
2. The first capitalists investing in Indian economy were Directions (7–8): Choose the word/group of words which is
(a) the Indians most similar in meaning to the work/group of words printed
(b) predominantly the British in bold as used in the passage.
(c) the Europeans except the British 7. PROSPECTS
(d) Both (A) and (B) (a) Feasibility (b) Implausibility
(e) Both (A) and (C) (c) Concomitant (d) Antiquated (e) Erstwhile
3. After the start of the first World War, all of the following Q8. COAXED
could be likely reasons for the British government adopting (a) Obviate (b) Despondent (c) Conniving
a proactive stance towards Indian industryexcept. (d) Inveigle (e) Collude
(a) The major investors in Indian enterprises were British Directions (9–10): Choose the word/group of words which is
and they had missed out on an opportunity. most opposite in meaning to the work/group of words printed
(b) The war had created a huge demand for industrial in bold as used in the passage.
goods. 9. CONFIDED
(c) The British government wanted economic (a) Enervate (b) Analogue (c)Credence
development of the country ad India was strategic (d) Certitude (e) Incredulity
economically in the war. 10. AUTONOMOUS
(d) The development of Indian economy was required for (a) Sovereign (b) potentate (c) maverick
contributing towards the war effort. (d) nonconformist (e) Protégé
(e) The desire to see India as self-sufficient in technical
expertise. Directions (11-20): Read the following passage carefully and
4. During the early twentieth century, Indians were restricted answer the questions given below it. Certain words have been
to making investment in stocks of companies that were printed in bold to help you locate them, while answering some
necessarily listed in India. This was done with the aim of of the questions.
confining Indian capital to India so that it could not Enterprises in the throes of discovery have an aura of magic
compete with British capital. around them. In the world of software this becomes many-
(a) Definitely true as inferred from the passage. splendored with a certain joie de vivre, quite distinct from what
(b) It was true on a selective case by case basis. obtains elsewhere: a sense of wonderment, surprise and
(c) This was the fact during the early part of the British eventual delight; a coming within reach of power and profits;
rule. possibly through a little tweak in technology with a touch of
(d) This was true in the later part of the British rule. novelty, opening up vistas that had always seemed so near yet
(e) No evidence to support the same is given in the so far. In professional management terms, this waving of the
passage. wizard's wand, as it were, is nothing more than an effective
5. From the passage it can be inferred that during the early recovery of strategy from a technological paradigm. This book
part of twentieth century, starting a Greenfield project was is about exploring the journey from rules and norms to
more difficult for an Indian capitalist than for an European. solutions, specific solutions prized out of the armored covers of
(a) Definitely true as inferred from the passage. sector-specific industrial structures and often resources
determined mindsets that Indian software' firms seems to have
(b) It was true on a selective case by case basis.
mastered. Originality is the fountainhead of such a strategy. It
(c) No trend of discrimination between the two categories
then progresses into the realms of the economics of innovation
of capitalists can be inferred from the passage.
to give itself a solid foundation from where it becomes possible
to retrieve a new language of strategy and of innovation. In this
high- natural yet dynamic

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world, the profit motive, backed by ingenuity, lend support to (c) The vastly rich and unfolding reality is beyond the
many of the arguments that evolve in this flow of events. The capacity of human comprehension
Indian software experience is a unique demonstration of how (d) It acts on a local scale.
this process - the coalescing of the economics of surprise and (e) None of the above.
novelty and the economics of knowledge works. This forms the 14. Which of the following follows from the passage?
basics of the strategy theory. (a) Indian software firms have excelled in providing
There are several grand theories of even grander specific solutions
traditions: the industrial organization approach, including (b) Indian software firms have been remarkable
several kinds of structure-conduct performance assertions and technology innovators
game theoretic models, evolutionary theories and (c) Indian software firms have benefited from low priced
corresponding case' studies, resource-based approaches or manpower, with adequate programming skills
several intermediate variants of competency based ideas that
(d) Indian software firms have failed in providing
provide us with a rich yet incomplete landscape. This landscape
innovative solutions.
is perhaps oblivious of certain traditions provided by theory;
the rich repertoire bequeathed by Marshall and Shackle is a case (e) None of the above
in point, as they are immensely rewarding. Each important 15. From the passage which would be an adequate
traditions or theory has made global assertions and has proved characterization of the author?
to be prescriptive or normative. Some authors have looked back (a) Positivist (b) Pragmatist (c) Empiricist
at Marshall and a handful at Shackle. Fewer still reconsidered (d) Cynical (e) Hypocrite
certain rich -traditions of thinking on strategy. This book does 16. From its usage in the passage which is the most
not attempt to issue prescriptive or normative guidelines appropriate meaning of the word 'wizard'?
purely because, the global canvass is too large and often (a) Conman
beyond the capacity of intelligent comprehension. A strategist (b) A person of wisdom
acts on a local scale following what Simon has generally (c) A well known personality
observed. Pragmatism emerges as an important guide-and (d) A person who has magical powers.
achieving the surprise element is above all, the key to definitive (e) None of the above
strategy. While this strategy evolves from governance, it also
influences governance at every stage. Handicapped by a
Directions (17-18): Choose the word or group of words which
paucity of resources, the strategist must dovetail the two to
is MOST NEARLY THE SAME in meaning as the word printed in
increase immensely the scope of governance not only over what
bold as used in the passage.
the incumbent possesses, but also over a much larger group of
firms not under its direct control. This need not necessarily be 17. Ingenuity
explained by another grand theory, with globally prescriptive (a) Ineptness (b)Clumsiness (c)Ignorance
assertions or powers of predictions. Surprise must stand (d)Weakness (e)Shrewdness
beyond predictability. 'It must govern to earn windfall profit. 18. Paucity
Strategy thus cannot be prescribed; it would comprise (a) Abundance (b)Dearth (c)Amount
piecemeal engineering. This is what this book explains. (d)Affluence (e)Alleviate
11. The locale of the phrase "acting on a local scale" as used in
the passage above refers to: Directions (19-20): Choose the word or group of words which
(a) Cognitively delimited space is MOST OPPOSITE in meaning of the word printed in bold as
(b) Geographically delimited space used in the passage.
(c) Temporally delimited space 19. Vista
(d) Both (a) and (b) (a) Panorama (b)Glimpse (c)Blindness
(e) None of the above (d)Prospect (e)Scope
12. The idea of a 'magic' as used in the passage refers to: 20. Oblivious
(a) Irrationality and blind belief (a) Absentminded (b)Absorbed (c)Zonked
(b) A sense of wonder at imagination unbridled by any (d)Heedless (e)Conscious
governance whatsoever
(c) A sense of wonder at the discovery of a grand theory SOLUTIONS:
(d) Both (b) and (c) 1. (c); Option I is invalid becomes the passage talks about the
(e) None of the above “supply of capital” not “external capital” (first sentence of
13. According to the author, the several extant strands of the passage). Option II can be inferred from the ninth
strategy literature such as the Industrial Organization sentence of the first paragraph.
approach provide an incomplete landscape because: 2. (d); Refer to 1st paragraph of the passage, “Indian capital
(a) They fail to take account of contributions of Marshall followed where it was in touch ............................. Indian
and Shackle proportion from 1900”, hence option (d) is the correct
(b) It is normative in nature choice for the given question.

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3. (e); Refer the fifth sentence onwards of the second 19. (c); Vista means a pleasing view. Hence ‘blindness’ is the
paragraph. word which is most opposite in meaning to it.
4. (e); Only option (e) is correct as no concrete evidence is 20. (e); Oblivious means not aware of or concerned aboutwhat
given in the passage regarding the statement. is happening around one. Hence ‘conscious’ is the word
5. (c); Refer towards the last part of the first paragraph which is most opposite in meaning to it.
6. (c); Almost the entire first paragraph dwells on the problem
of capital Indian industrialisation faced at the initial phase Directions (1-20): Read each sentence to find out whether
hence option (c) is the correct choice for the given question. there is any grammatical mistake/error in it. The error, if any,
7. (a); Prospect means the possibility or likelihood of some will be in one part of the sentence. Mark the part with the error
future event occurring hence feasibility is the word most as your answer, if there is no error, mark 'No error' as your
similar in meaning. answer. (Ignore the errors of punctuation, if any.)
8. (d); Coaxed means persuade (someone) gradually orgently 1. (1) The centre accepted the report of a judicial commission
to do something hence inveigle is the word most similar in / (2) that indicted former chief minister / (3) and six of his
meaning. ministerial colleagues against corruption,. /
9. (e); Confided means trust (someone) enough to tell themof (4) favouritism, nepotism and administrative impropriety.
a secret or private matter hence incredulity is the word / (5) No error
most opposite in meaning. 2. (1) Companies like Infosys are moving fast / (2) on
10. (e); Autonomous means having the freedom to act automation to ensure differentiation at a time / (3) where
independently hence Protégé is the word most opposite in the technology industry and business models / (4) are
meaning. undergoing rapid changes. / (5) No error
11. (b); Refer the second paragraph of the passage, “This book 3. (1) With sharp rise in the number of large-scale financial
does not attempt to issue prescriptive or normative crimes, / (2) the CBI and Indian Institute of Management
guidelines purely because, the global canvass is too large have initiated / (3) a first-of-its-kind course to train sleuths
and often beyond the capacity of intelligent / (4) from CBI to probe financial frauds. / (5) No error.
comprehension. A strategist acts on a local scale following 4. (1) In FY15, India largest public sector / (2) non-life insurer
what Simon has generally observed.” Hence option (b) is notched out / (3) a premium growth of/ (4) about twelve
correct. per cent. / (5) No error
12. (e); Refer ‘wonderment’, ‘delight’, ‘novelty’, etc. in the 5. (1) Reserve Bank Governor R Raj has received a death
second sentence of the first paragraph of the passage. threat / (2) via an email bearing the name of / (3) terror
Hence none of the given options is correct in the context of outfit ISIS following which his security / (4) has been
the passage. stepped up. / (5) No error.
13. (c); Refer the second paragraph of the passage, “This book 6. In financial matters (a)/it is important to (b)/get
does not attempt to issue prescriptive or normative disinterested advice(c)/ or no advice (d) /No error (e)
guidelines purely because, the global canvass is too large 7. He had been (a)/ saved of (b)/ death as if (c)/by divine
and often beyond the capacity of intelligent intervention (d) /No error (e)
comprehension.” Hence option (c) is correct. 8. He was (a)/ of the belief (b)/ that the evening news (c)/ are
14. (a); Refer the first paragraph of the passage, “This book is worth watching (d)/. No error (e)
about exploring the journey from rules and norms to 9. Many believe that (a)/ nothing could have (b)/ avoided the
solutions, specific solutions prized out of the armored war (c)/ between America and Iraq. (d)/. No error(e)
covers of sector-specific industrial structures and often 10. Well planned and congestion-free cities of Rajasthan has
resources determined mindsets that Indian software' firms (a)/ strong urban infrastructure with (b)/ a variety of
seems to have mastered.” Hence option (a) is correct. accommodation options(c)/ wide parks, schools and
15. (b); The author’s approach is pragmatic or practical rather colleges and recreational facilities. (d)/ No error (e).
than empirical i.e. based on experiment. 11. The two stalwarts of Bihar may have accepted each other
16. (e); Wizard here is associated with one possessing (a)/ to keep his head above water (b)/ but both seem to find
wonderment, surprise, splendor, etc. Conman is a cheat. it difficult (c)/to conceal the silent game of one up manship.
Hence none of the given options is correct in the context of (d)/No error(e).
the passage. 12. Lord Meghnad Desai believes poverty is (a)/ the biggest
17. (e); Ingenuity means the quality of being clever, original, problem and a systematic strategy (b)/ for generating
and inventive. Shrewdness means the quality of having or rapid, high and inclusive growth (c)/ is only solution. (d)/
showing good powers of judgement. Hence ‘ingenuity’ and No error (e).
‘shrewdness’ are similar in meanings. 13. He didn’t do anything; (1)/he fed himself (2)/on the
18. (b); Paucity means the presence of something in only small (3)/labours of others.(4)/No error (5)
or insufficient quantities or amounts. Dearth means a 14. ’Paradise lost’ is (1)/ one of the world’s epics (2)/which
scarcity or lack of something. Hence ‘paucity’ and ‘dearth’ have carved out immortal (3)/niches in the literary history
are similar in meanings. of the world.(4)/No error (5)

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15. The man and his horse (1)/which you saw (2)/on the road (F) Two later descendants in King Bahrata's dynasty claimed
yesterday (3)/are dead.(4)/No error (5) the Kingdom of Hastinapur.
16. There were (1)/ten women passengers in (2)/ the cabin; 1. Which of the following should be the SIXTH (last)
they quarreled with each other (3)/ over sitting sentence?
space.(4)/No error (5) (a) A (b) B (c) C
17. Rahul, the proprietor (1)/and the manager (2)/of the firm, (d) D (e) E
was deeply loved (3)/by his employees.(4)/No error(5) 2. Which of the following should be the SECOND sentence?
18. The building’s roof (1)/ needs repairing otherwise (2)/ it (a) A (b) B (c) C
may fall down and (3)/ result into many persons’ death. (d) D (e) F
(4)/ No Error. (5) 3. Which of the following should be the FIRST sentence?
19. It is true (1)/ that I met (2)/ the Chief Minister (3)/ at one (a) A (b) B (c) C
of my friend’s houses. (4)/ No Error. (5) (d) D (e) F
20. The blind’s life (1)/ is really very miserable (2)/ because
4. Which of the following should be THIRD sentence?
they can’t see (3)/ what happens around them. (4)/ No
(a) A (b) B (c) C
Error. (5)
(d) D (e) E
1. (c); Replace ‘against’ with ‘for’
5. Which of the following should be the FIFTH sentence?
2. (c); Replace ‘where’ with ‘when’
(a) A (b) B (c) C
3. (a); Insert ‘a’ before ‘sharp’
(d) D (e)
4. (b); Replace ‘out’ with ‘up’
5. (e); No error
Directions (6- 10): Rearrange the following sentences (A),(B),
6. (e); No error
(C), (D), (E) and (F) to make a meaningful paragraph and then
7. (b); Replace ‘of’ with ‘from’
answer the questions which follow:
8. (d); Replace ‘are’ with ‘is’ because ‘news’ is singularnoun.
(A) In fact, according to mainstream economists, it is inevitable
9. (c); Substitute ‘averted’ for ‘avoided’. ‘Avoid’ means ‘refrain and a necessary evil in any economy.
from doing something’ with ‘avert’ means ‘to prevent
(B) It is thus important for every nation to maintain this
something unpleasant’
reserve of labour force to maintain an optimal level of
10. (a); Replace ‘has’ with ‘have’ unemployment.
11. (b); Replace ‘his head’ with ‘their heads’ (C) Unemployment is popularly believed to be an index which
12. (d); Insert ‘the’ before ‘only’ measures the economic condition of a nation.
13. (b); Delete ‘himself’ after fed. (D) This is because it helps avert inflation by providing a
14. (a); Add ‘the’ before ‘Paradise lost’. reserve army of labour which keeps wages incheck.
15. (b); Change ‘which’ to ‘that’. Relative pronoun referring to (E) The problem, however, only emerges when governments
man and animal together is ‘that’ instead of which. indirectly facilitate unemployment in order to curb
16. (c); Change ‘each other’ to ‘one another’. ’Each other’ is used inflation through various policies and frameworks,
in reference to two; in reference to more than two ‘one depriving a large population of its fundamental rights.
another’ is used. (F) But contrary to popular belief unemployment is not always
17. (b); Delete ‘the’ before ‘manager’. When two singular disadvantageous to the economy of a state.
subjects refer to the same person, only first one should be 6. Which of the following sentence should be the SIXTH
preceded by article. (LAST) after rearrangement?
18. (a); Use “the roof of the building” in place of “The (a) A (b) B (c) C
building’s roof” (d) E (e) F
19. (d); Use “ the house of one of my friends” 7. Which of the following sentences should be the FIRST
20. (a); Use the life of the blind after rearrangement?
(a) A (b) B (c) C
Directions (1-5): Rearrange the following six sentences (A), (d) D (e) E
(B), (C), (D) (E) and (F) in the proper sequence so as to form 8. Which of the following sentences should be the FIFTH
meaningful paragraph and then answer the questions given after rearrangement?
below them. (a) A (b) B (c) C
(A) It narrates the heroic deeds of many kings and queens, (d) E (e) F
princes and princesses. 9. Which of the following sentences should be the SECOND
(B) The longest of these poems tells the story of the great war after rearrangement?
between the kauravas and the Pandavas, the two clans of
(a) A (b) B (c) D
the same dynasty of king Bharata.
(C) The Mahabharata is a collection of many long poems. (d) E (e) F
(D) They were Dhritarashtra and Pandu. 10. Which of the following sentence should be the THIRD
(E) All these poems were put together by Vyasa. after rearrangement?
(a) A (b) E (c) D

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(d) F (e) C 16. Which of the following sentences should be the THIRD
after rearrangement?
Directions (11-15): Rearrange the following six sentences (A), (a) A (b) B (c) D
(B), (C), (D) and (E) and in the proper sequence to form (d) E (e) F
ameaningful paragraph, then answer the questions given below 17. Which of the following sentences should be the SECOND
them. after rearrangement?
A. The upsurge of public activism against the setting up of (a) A (b) E (c) D
Special Economic Zones, which eventually forced the State (d) F (e) C
Government to announce the scrapping of all 15 such 18. Which of the following sentences should be the FIFTH
projects, is an impressive case in point. after rearrangement?
B. Early last year, a similar agitation coerced the government (a) B (b) C (c) A
in to calling for a revision of the Goa Regional Plan 2011, a (d) E (e) F
controversial document that opened up large swathes of 19. Which of the following sentences should be the SIXTH
land, including green belts and coastal stretches, for (LAST) after rearrangement?
construction.
(a) C (b) E (c) D
C. The broad–based agitation against SEZs has demonstrated
(d) B (e) F
the power of popular protest in the State.
20. Which of the following sentences should be the FIRST
D. Those opposed to the projects had questioned the
after rearrangement?
propriety of the government acquiring large tracts of land
and then selling them to promoters at low prices. (a) A (b) B (c) C
E. A coastal State with an area of 3,700 square kilometers and (d) D (e) E
a population of about 1.4 million, Goa has always been
extremely sensitive to the impact of unrestrained economic SOLUTIONS:
development. 1. (d); The correct sequence to form meaningful sequence is
11. Which of the following should be the FIRST sentence? CAEBFD.
2. (a); The correct sequence to form meaningful sequence is
(a) A (b) B (c) C
CAEBFD.
(d) D (e) E 3. (c); The correct sequence to form meaningful sequence is
12. Which of the following should be the SECOND sentence? CAEBFD.
(a) A (b) B (c) C 4. (e); The correct sequence to form meaningful sequence is
(d) D (e) E CAEBFD.
13. Which of the following should be the THIRD sentence? 5. (e); The correct sequence to form meaningful sequence is
(a) A (b) B (c) C CAEBFD.
(d) D (e) E 6. (d); The correct sequence to form a meaningful paragraph
14. Which of the following should be the FOURTH sentence? is CFADBE.
(a) A (b) B (c) C 7. (c); The correct sequence to form a meaningful paragraph
(d) D (e) E is CFADBE.
15. Which of the following should be the FIFTH 8. (b); The correct sequence to form a meaningful paragraph
(LAST)sentence? is CFADBE.
(a) A (b) B (c) C 9. (e); The correct sequence to form a meaningful paragraph
(d) D (e) E is CFADBE.
10. (a); The correct sequence to form a meaningful paragraph
Directions (16-20): Rearrange the following six sentences (A), is CFADBE.
(B), (C), (D), (E) and (F) to make a meaningful paragraph and
answer the questions that follow. For questions (11-15); The arrangement EABDC is correct.
(A) However, while reading, they would not know when to 11. (e); The arrangement EABDC iscorrect.
pause and what to emphasise. 12. (a); The arrangement EABDC iscorrect.
(B) Since then, their use has been regularized and the 13. (b); The arrangement EABDC iscorrect.
punctuation rules have been followed by all. 14. (d); The arrangement EABDC iscorrect.
(C) In earlier days, people learnt by reading out loud. 15. (c); The arrangement EABDC iscorrect.
(D) But not everybody used the same punctuations for the 16. (d); The correct sequence to form a meaningful paragraph
same thing. is CAEDFB.
(E) To address this problem, various signs depicting various 17. (a); The correct sequence to form a meaningful paragraph
punctuations were introduced. is CAEDFB.
(F) Thus, firmer guidelines regarding punctuations were 18. (e); The correct sequence to form a meaningful paragraph
framed so that everyone used them in a similar way. is CAEDFB.

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19. (d); The correct sequence to form a meaningful paragraph 7. Charlie Chaplin could create an amazing kind of comedy
is CAEDFB. seeped in that drew tears even as it
20. (c); The correct sequence to form a meaningful paragraph laughter.
is CAEDFB. (a) triviality, trivialised (b) seriousness, created
(c) pathos, evoked (d) bathos, drew
Directions (1-10): Pick out the most effective pair of words (e) fun, provoked
form the given pair of words to make sentence/sentences 8. The movements of the waters a memory in her
meaningfully complete. of a pastwhich, nevertheless, felt near.
1. Nothing is impossible in the world of politics. States which (a) stoked, distant (b) evoked, close
were foes and had their deadly missiles pointed at each (c) drew, absent (d) stirred, vanished
other find themselves _ in military alliances. (e) called, happy
(a) implacable ............ partners 9. Drama has become inevitable for reality shows
(b) intense ............... joining that are watched by millions in the country.
(c) deadly.............. approaching (a) food, acutely (b) fodder, keenly
(d) known ............... soliciting
(c) material, nonchalantly (d) thing, avidly
(e) enviable ................ grouping
(e) substance, always
2. of whether leaders are born or made, it is
clear that leaders are not like other people. 10. As our eyes become to the dazzle, we could
(a) Pursuant............... manifestly clearly make out the decor and elaborate
(b) Sequel............... amply arrangements.
(c) Regardless ............. unequivocally (a) familiar, amazing (b) restless, brilliant
(d) Instead ............... purely (c) used, neat (d) accustomed, flamboyant
(e) Inspire.............. normally (e) dazed, bright
3. There is a common talk today that women have made the
in many professions, that they have total freedom of SOLUTIONS
opportunity. But the majority of women are still left 1. Ans. (a); ‘implacable, partners’ is the correct use.
at their goals and ambitions through an almost unbreakable Implacable means that can’t be change or satisfied.
glass ceiling. 2. (c); ‘Regardless, unequivocally’ is the correct use.
(a) entry ............. inward Regardless means despite the prevailingcircumstances.
(b) grade............. gazing Unequivocally means leaving no doubt.
(c) progress.............. trying 3. (b); ‘Grade, gazing’ is the correct use.
(d) mark ............ projecting Grade means a particular level of rank, quality,
(e) achievement............. Wondering proficiency, or value.
4. Inferring attitudes from expressed opinion has many Gazing means look steadily and intently, especially in
. People may their attitude and express socially admiration, surprise, or thought.
acceptable opinions. 4. (a); ‘Limitation, conceal’ is the correct use.
(a) limitation................conceal Limitation means a limiting rule orcircumstance.
(b) advantage............... show Conceal means not allow to be seen.
(c) drawbacks .............. support 5. (c); ‘Raise, adequate’ is the correct use.
(d) benefits ............... avoid Adequate means satisfactory or acceptable in quality or
(e) reasons ............... acknowledge quantity.
5. We should move towards a system where the banks can 6. (a); Enchant means delightfully charming or attractive.
capital in the market with safeguard so that 7. (c); Pathos means a quality that evokes pity or sadness.
they continue to be public sector banks. Evoked means bring or recall (a feeling, memory, or image)
(a) improve ............... proper to the conscious mind.
(b) strengthen ............. durable 8. (a); Stoked means excited or euphoric.
(c) raise ............ adequate
9. (b); Fodder means food, especially dried hay or straw, for
(d) stimulate ............. effective
cattle and other livestock. Keenly means in an eager or
(e) provide............ delicate
enthusiastic manner.
6. A land of many , India can visitors to
10. (d); Accustomed means customary; usual. Flamboyant
it like no other country can.
means (of a person or their behaviour) tending to attract
(a) colours, enchant (b) shades, thrill
attention because of their exuberance, confidence, and
(c) hues, strike (d) thrills, awe (e) cravings, call
stylishness.

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GENERAL AWARENESS
medium enterprises (MSMEs). The program will fund term
Banking Current Affairs loans in the Rs25 lakh to Rs2 crore ticket size.
Reserve Bank of India has constituted a 10-member ‘High RBI issued guidelines to banks to provide funds to women
Level Task Force on Public Credit Registry (PCR) for India’, self help groups, SHGs, in rural areas at 7% under the
which will suggest a roadmap for developing a Deendayal Antyodaya Yojana - National Rural Livelihoods
transparent, comprehensive and near-real-time PCR for Mission (DAY-NRLM) in the current fiscal(2017-18).
India. The committee will be Headed by YM Deosthalee, ex- As per the World Payment Report, the initiatives of
CMD, L&T Finance Holdings. government and National Payments Corporation of India
State Bank of India (SBI) has signed an agreement with (NPCI) will help non-cash transactions grow at a
Escorts Ltd. to finance farmers for purchase of Escorts compound annual growth rate of 26.2 percent during
tractors. 2016 to 2020. The Report was jointly commissioned by
IndusInd Bank, in association with MobiKwik announced Capgemini and BNP Paribas.
the launch of a co-branded wallet ‘IndusInd MobiKwik’ The nation's largest lender State Bank of India is creating
that allows its customers to pay at the MobiKwik merchant a 15,000-sqft innovation center in Navi Mumbai investing
network using their accounts, with a ’Direct Debit Feature’. around Rs 100 crore. The center, to be built at its Global
State Bank of India launched the second edition of its IT Centre in Belapur in Navi Mumbai, will be the largest
Hackathon named 'Digitize For Bank.' This hackathon innovation center by any financial services company in
will be held from 1st to12th November 2017. This edition the country.
focuses on four ‘Cognitive’ themes namely Facial HSBC announced the launch of a mobile app - Trade
Recognition, Signature Recognition, Voice based Transaction Tracker - to help customers track the status
Authentication and Cheque Truncation Value Enhancers. of their trade transactions on a real-time basis. It will
The Indian government announced an allocation of Rs provide a global view of import and export documentary
2.11 lakh crore over 2 years for the recapitalization of credit and collections transactions, across markets in one
public sector banks. As part of the plan, the government single app.
will essentially issue bonds to banks worth Rs 1.35 lakh HSBC has appointed John Flint as its next chief executive.
crore while Rs 76,000 crore will come through budgetary Flint currently runs HSBC's retail and wealth
support. Lenders will subscribe to these bonds as part of management business. He will start in his new role on
their investment portfolio. February 21, 2018. He will take over from current chief
After making Legal Entity Identifier (LEI) mandatory for executive Stuart Gulliver, who is retiring after seven years
transactions in interest rate, forex and credit derivative in the job.
market, Reserve Bank of India (RBI) is set to make LEI State Bank of India launched a new product to provide a
compulsory for companies having aggregate fund-based short-term working capital demand loan to its MSME
and non-fund based exposure over Rs 5 crore. Banks will clients. The new initiative, called SME Assist, would offer
be required to capture this number in the Central loans to MSME customers on the basis of their input credit
Repository of Information on Large Credits (CRILC) claims under Goods and Services Tax (GST). The loan
database that captures details of loan above Rs 5 crore. The processing fee under the scheme is Rs 2,000.
LEI number will help banks in monitoring the aggregate US-based fintech company Mastercard has announced the
exposure of corporate borrowers. Firms can obtain their launch of its global research and development arm
LEI code from Legal Entity Identifier India Ltd. (LEIL). Mastercard Labs in Pune, India. After Singapore, this will
Reserve Bank of India has imposed a monetary penalty of be the second Mastercard Labs in Asia-Pacific, and ninth
Rs 2 crore on IDFC Bank for contravention of regulatory in the world.
restrictions pertaining to loans and advances. Private sector Yes Bank has committed Rs 156 crore to
State Bank of India has slashed Immediate Payment Service fund first Sewage Treatment Plant (STP) to be
(IMPS) charges up to 80 percent. After the revision, no IMPS constructed at Varanasi under Hybrid Annuity-PPP
service charge will be imposed on online transactions Model.
under Rs 1000. For the transactions between Rs 1000 and Rs Moody’s Investors Service has affirmed ratings on
10,000, the users will have to pay Re 1 while for an amount domestic as well as foreign currency bond programs of
between Rs 10,001 and Rs 1,00,000, the users will be charged the country’s largest lender SBI. Moody’s affirmed the
Rs 2. Baa3 rating on the bank’s senior unsecured debt (issued
AU Small Finance Bank tied up with Small Industries via its London branch) and (P)Baa3 rating on its senior
Development Bank of India (SIDBI) to launch a Rs200 crore unsecured medium-term note (MTN) program.
fund for providing loans to micro, small and Union Bank of India launched an Android app, Union
Sahyog, as part of its drive to digitise customer-facing
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banking services. Union Sahyog app is bilingual — Communications Minister Manoj Sinha launched the
offering both English and Hindi language — and packs Sampoorna Bima Gram (SBG) Yojana and an initiative for
in all mobile-based banking applications, missed expansion of clientele base of Postal Life Insurance (PLI).
call/SMS-based services, Internet banking login and self- Under Sampoorna Bima Gram (SBG) Yojana, at least one
user creation and other services. village (with min. 100 households) will be identified in
International Business Machines Corporation (IBM) has each of the revenue districts of the country. Coverage of all
announced the launch of IBM Blockchain, a new blockchain households is the primary objective of this scheme.
banking solution, that will help financial institutions for Mahindra & Mahindra has launched a program, Prerna,
cross-border payments. to empower women working in the agriculture sector by
promoting efficient and ergonomic farm tools and
Reserve Bank of India has clarified that linking of Aadhaar equipment. The project will be initially launched in the
to the bank account is mandatory under the Prevention of state of Odisha, with the intention to positively impact the
Money-Laundering (Maintenance of Records) Second lives of over 1,500 families across 30-plus villages.
Amendment Rules, 2017 published in the Official Gazette Madhya Pradesh Chief Minister Shivraj Singh Chouhan
on 01st June 2017. inaugurated the ambitious 'Bhavantar Bhugtan Yojna' for
Government has made it mandatory for banks and the farmers of the state. Madhya Pradesh is the first state
financial institutions to check the original identification to lend money to farmers at zero percent interest.
documents of individuals dealing in cash above Rs. 50,000, In an attempt to end Gender bias in women against
to weed out the use of forged or fake copies. women, the Ministry of Women and Child Development is
Govt. named Rajnish Kumar as the new chairman of SBI, for undertaking an online campaign #IamThatWoman.
3-year term. Kumar will succeed Arundhati Bhattacharya. Through the campaign, the Ministry seeks to highlight the
RBI is going to launch a financial literacy drive in 80 blocks various aspects of women standing 'by' and 'for' women.
in nine states on pilot basis to educate people on e- Goods and Services Tax Network (GSTN) has launched an
transactions, formal sector borrowings and insurance excel-based offline tool for businesses to file initial GSTR-
purchases. As per RBI, the pilot project will be 3B returns. GSTN, in a statement in New Delhi, stated that
commissioned in the 9 states of Maharashtra, taxpayers can download the offline utility from the GSTN
Chhattisgarh, Bihar, Odisha, Karnataka, Telangana, portal and after fill in the data the file can be uploaded on
Andhra Pradesh, Haryana and UP. GST portal.
RBI opened a branch in the Dehradun city to make MP Govt. implemented the Chief Minister's Skill
transactions of the Uttarakhand State government more Promotion and Skills Scheme to provide jobs by providing
convenient. employment oriented training to the youth. All the youth
Vijaya Bank entered into an MoU with Hindustan who are in the age group of 18-35 are being benefitted
Petroleum Corporation Ltd (HPCL) for enabling all HPCL through Mukhya Mantri Kaushal Samvardhan Yojana
retail outlets with BHIM/UPI merchant solutions. This and Mukhya Mantri Kaushalya Yojana. MP Govt.
rollout will empower all petrol pump attendants and LPG permitted Rs 30 crores for constant execution of the scheme
delivery personnel to accept digital payments. from year 2017-18 to 2019-20.
Chairman of NHAI Deepak Kumar launched a world- class,
new multilingual website of the organization. He also
Schemes/Portals/Missions Launched launched a Project Monitoring Information System
Union Ministries of Power and Textiles jointly launched an (PMIS) Moblie App that will facilitate close, in-house
initiative 'SAATHI' (Sustainable and Accelerated Adoption monitoring of NHAI projects on a mobile phone.
of efficient Textile technologies to Help small Industries). Karnataka govt. launched the Rs. 302-crore Mathru
Under this initiative, Energy Efficiency Services Limited Poorna scheme, aimed at providing free mid-day meals
(EESL), a public sector entity under the Union Ministry of to pregnant and lactating women in rural areas. The
Power, will acquire energy efficient Powerlooms, motors meals, which will be provided in Anganwadi centres, will
and Rapier kits in bulk and provide them to the small and include an egg, rice, pulses, vegetables, and milk. This is
medium powerloom units. aimed at reducing child malnutrition and in turn
Gujarat Government announced the Garments and Apparel curb infant mortality.
Policy-2017, with the aim of creating more opportunities President Kovind launched 100 crore rupees Mata
in the garment sector of Gujarat and to create huge Amritanandamayi Math Project "Jeevamritham "to
employment opportunities for women through the apparel provide the filtration system for cleaning drinking water
industry. This Policy is prepared with an aim to make to 5000 villages across India, in Kollam district in Kerala.
Gujarat number 1 in textile which produces more of cotton.

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State in News CEO Saji Gopinath, will select 10 faculty members on a

pilot basis for the implementation of the project.
Tamil Nadu Chief Minister, Edapaddi K Palaniswami, laid
Prime Minister Narendra Modi has inaugurated the first
the foundation stone for an aerospace park at
phase of ambitious Ghogha-Dahej Roll-on Roll-off ferry
Kanchipuram district to be set up by the State
service at Ghogha in Bhavnagar district in Gujarat. This
Government in 245 acres and at an estimated cost of Rs
passenger movement service reduced the distance
198 crore.
between the Ghogha and Dahej from 310 kilometres by
Gujarat will go to polls in two phases on December 9th and
road to just 30 kilometres, which can be covered in one
14th for 182 assembly seats. The Chief Election
hour.
Commissioner of India Mr. A K Joti made this
Andhra Pradesh CM Chandrababu Naidu launched
announcement. The 89 seats will go to polls in the first
Swachh Andhra Mission on the occasion of Gandhi
phase and the rest 93 in the second phase.
Jayanti. Ace shuttler PV Sindhu has been chosen as the
Madras high court has banned the use of pictures of living
brand ambassador of Swachh Andhra.
persons on banners and hoardings in Tamil Nadu. It has
PM Modi launched the Intensified Mission
also banned the use of photos of people sponsoring the
Indradhanush (IMI) at Vadnagar in Gujarat. Through
pictures.
Uttar Pradesh government issued an order notifying this, govt. aims to reach each and every child under two
years of age and all those pregnant women who have been
Vrindavan and Barsana towns in Mathura district as
left uncovered under the routine immunisation program.
“pavitra teerth sthals (sacred pilgrimage sites)”. No meat
A group of ministers (GoM) set up under Assam Finance
and liquor shops will be allowed in these towns anymore.
Minister Himanta Biswa Sarma to make the
Karnataka Government announced the signing of an MoU
composition scheme more attractive and also revisit GST
with Microsoft Corporation India Private Limited with an
rates on restaurants.
intention to empower smallholder farmers with
technology-oriented solutions that will help them increase
income. New Appointments (National &
Bihar Cabinet approved reservations for persons with International)
disabilities in government jobs and educational
Gujarat-cadre IPS officer Rakesh Asthana was appointed
institutions. The cabinet gave its approval during a
the special director of the Central Bureau of Investigation
meeting presided by Chief Minister Nitish Kumar.
(CBI).
Petroleum Minister Dharmendra Pradhan inaugurated the
Hongkong and Shanghai Banking Corporation (HSBC)
first phase of Piped Natural Gas supply system in
announced the appointment of Jayant Rikhye as the Chief
Bhubaneswar, Odisha.
Executive Officer for India. He succeeds Stuart Milne.
Chief Minister of Maharashtra Devendra Fadnavis released
Sibi George has been appointed as the next Ambassador
a sum of Rs 4,000 crores under the first phase of the over
of India to Switzerland. He will replace Smita
Rs 34,000 crore farm loan waiver scheme. In the first
Purushottam.
phase, the scheme will cover more than 8 lakh farmers.
India Post Payments Bank (IPPB) has appointed Mr.
Rajasthan assembly has become the first in India to call
Suresh Sethi as its Managing Director & Chief Executive
attention and adjournment motions and proposals online
Officer. Mr Sethi was the former MD of Vodafone M-Pesa
from legislators to send them to the state government.
Ltd. He takes over from A.P. Singh.
Prime Minister Narendra Modi's parliamentary
NS Venkatesh has been appointed as Chief Executive
constituency Varanasi will soon get two sewage treatment
Officer of the Association of Mutual Funds in India (AMFI).
plants as part of the government's bid to curb Ganga water
The Appointments Committee of the Cabinet has
pollution. The sewage treatment plants, having a total 260
approved the appointment of Shri Alok Kumar Pateria,
million litres daily capacity, will be commissioned at
IPS as Additional Director General, CISF.
Varanasi's Dinapur and Goitha before March next year.
Jacinda Ardern was officially sworn in as the Prime
Centre has given green clearance for a greenfield airport
Minister of New Zealand. At the age of 37, Ardern is the
project at Hirasar, about 28 km from Rajkot in Gujarat, at a
youngest New Zealand PM in 150 years.
cost of over Rs. 1,400 crores.
[Link] has been appointed as the next High
Kerala government has given green signal to a proposal of
Commissioner of India to the Republic of Zambia. He is
the state Startup Mission (KSUM) to accord sabbatical
presently the Joint Secretary in the Ministry of External
leave to the faculty members of all colleges who intend to
Affairs.
establish startups. An expert panel, headed by KSUM

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Miscellaneous
| State in News
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Vice Admiral Ajit Kumar P, AVSM, VSM has assumed Tamil Nadu Governor Banwarilal Purohit was sworn-in by
charge as the Vice Chief of Naval Staff (VCNS) from Vice Madras High Court Chief Justice Indira Banerjee.
Admiral Karambir Singh AVSM at a formal ceremony held
in New Delhi.
Economy & Business Current Affairs
Indian Cricketer Yuvraj Singh was announced as the
Laureus' first Brand Ambassador. The left-hander Economy Current Affairs
becomes Laureus' first Indian ambassador. General Insurance Corp of India (GIC Re) kicked off its
Gautam Bambawale appointed as India's new mega Rs 11,370 crore initial public offer (IPO). This is
Ambassador to China. He will succeed Vijay Gokhale. India's third biggest IPO ever after Coal India's Rs 15,200
Samsung Electronics chief executive Kwon Oh-hyun has crore and Reliance Power's Rs 11,700 crore issues.
resigned citing an "unprecedented crisis". The Centre has made the use of Public Finance
UNESCO’s executive board chose former French Culture Management System (PFMS) mandatory for all central
Minister Audrey Azoulay to be the UN cultural agency’s schemes. Finance Minister Arun Jaitley stated that making
next leader. He succeeds outgoing Director-General Irina use of the PFMS mandatorily will ensure benefits of
Bokova of Bulgaria. government schemes to reach the last mile. A total of 613
MobiKwik, mobile wallet major, and a payment gateway schemes of the central government will be covered under
provider announced the appointment of Rukaiya PFMS.
Rangwala as the Business Head of 'MobiKwik Payment Small Industries Development Bank of India (SIDBI)
Gateway' to drive the growth of the entity. revamped its portal [Link] with enhanced
Government of India has appointed Mahesh Kumar Gupta features to provide easy access to credit and hand-
and D K Gayen as the two new members in the Railway holding services for micro small medium enterprises
Board. D.K. Gayen appointed as new Member (Staff) (MSME). The portal is mobile-enabled and provides aself-
Railway Board and ex officio Secretary to the Government assessment module (auto assisting in categorization).
of India. M K Gupta appointed as new Member National Investment and Infrastructure Fund (NIIF) of
(Engineering) Railway Board and ex officio Secretary to India has signed an investment agreement worth $1
the Government of India. billion with Abu Dhabi Investment Authority (ADIA). The
Solicitor-General of India Ranjit Kumar, the second highest government has set up NIIF with the aim to attract
ranking law officer of the government, resigned with investments from both domestic and international
immediate effect. sources for infrastructure development in commercially
A 38-year-old Sikh lawyer Jagmeet Singh elected the leader viable projects.
of Canada’s New Democratic Party & became the first non- As per the NITI Aayog Vice-Chairman Rajiv Kumar,
white politician to head a major political party in the country. economic slowdown that began in 2013-14 has bottomed
Brenda Hale, the first female president of Supreme Court, out and the GDP is likely to grow at 6.9-7 % this fiscal
and Sir Ian Burnett, the youngest lord chief justice for 50 (2017-18) and 7.5% in 2018-19. The economic growth
years, have been sworn in at the opening of the legal year. slowed to 7.1% in 2016-17, the year in which 87% of the
She succeeds David Neuberger. currency was demonetised, despite a very good show by
WHO appointed Soumya Swaminathan one of two Deputy the agricultural sector.
Directors General. She has been appointed as Deputy Income Tax Department has launched an ‘online chat’
Director General for Programmes and Ms Jane Ellison service for taxpayers so that they can seek answers to
appointed as Deputy Director General for Corporate their basic queries and doubts relating to direct tax
Operations. issues. A window has been hosted on the main page of
Federation of Indian Chambers of Commerce and Industry the department’s website —
(FICCI) announced the appointment of Param Shah as the [Link]/ — with a prominent icon
new Director for the United Kingdom (UK) operations. stating ‘Live Chat Online - ask your query.’
PNB MetLife India Insurance Company Ltd (PNB The Direct Tax Collections in the first half (April-
MetLife) appointed Ashish Srivastava as MD & CEO of September) of the current fiscal (2017-18) shows growth
the company. of 15.8%.As per the Finance Ministry, the provisional
Mongolian Parliament confirmed Ukhnaa Khurelsukh as figures of Direct Tax collections up to September 2017
the country's 30th Prime Minister. show that net collections are at 3.86 lakh crore rupees.
Pakistan appointed Vice-Admiral Zafar Mahmood Abbasi Net Direct Tax collections represent 39.4% of the total
as new Chief of Naval Staff. He will replace Admiral budget estimates of Direct Taxes for the financial year
Muhammad Zakaullah. 2017-18. An amount of 1.77 lakh crore rupees has been
received as Advance Tax up to 30th of September this
year, reflecting a growth of 11.5%.

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India is likely to be the world’s fastest-growing large Online travel solutions provider Cleartrip was named the
economy in the next 10 years, as per Morgan Stanley report. 'Best Mobile App for Travel and Leisure' at the Mobexx
According to the global financial services major, the trend Awards 2017.
line in India’s annual GDP growth has been accelerating to Consumer Electronics major LG Electronics India
6.9% in 2000s, from 5.85 in the 1990s. announced the launch of an exclusive OEM co-branded
Government made biometric identification Aadhaar card in partnership with Bajaj Finserv. It will be available
mandatory for all post office deposits, PPF, the National to customers buying LG products on a minimum invoice
Savings Certificate scheme and Kisan Vikas Patra. All amount of Rs 7,000 and maximum of up to Rs 2 lakh.
depositors have been given time till December 31, 2017 to Amazon Web Services (AWS) and Microsoft teamed up to
provide the 12-digit unique identification launch an open-source and deep learning interface 'Gluon'
number and link it with their accounts. that will help developers to deploy machine learning
Coffee output in India is pegged to be a record 3.50 lakh models across several platforms.
tonnes in the 2017-18 marketing year started this month Hindustan Petroleum Corporation Limited (HPCL) has
on higher acreage. become the first Oil Marketing Company (OMC) from India
HDFC Life Insurance Company has launched 'Neo', a to mark its presence in the lubricant market in Myanmar
servicing bot for Twitter that uses artificial intelligence and to lend more visibility and awareness to thebrand.
for customer service. This is the second bot after the E-commerce major Myntra launched its CSR initiative in
launch of SPOK. association with the Union Textile Ministry, to work
HDFC Life Insurance and Apollo Munich Health come directly with weavers and elevate their economic stature.
together to launch ‘Click2Protect Health plan’, which Honda Motorcycle and Scooter India (HMSI) has raced
provides both life and health cover under a single plan. past Bajaj Auto to become the second biggest bike seller
Tata AIA Life announced the launch of ‘Eazy Connect’, that in India during the first half of the ongoing fiscal.
will extend online customer service to social media Yatra Online Inc has tied up with OYO to bring the
platforms. hospitality firm's inventory on its platform.
GST Council has reduced tax rates on 27 items and allowed The first US crude oil cargo of 1(point) 6 million barrels
the filing of returns on the quarterly basis. The meeting bought by Indian Oil Corporation from the US reached
held under the Chairmanship of FM Jaitley in New Delhi. It Paradip Port, Odisha. Indian Oil, which became the first
decided to reduce the GST rates on dried mangoes, Indian public sector refiner to source US crude.
Khakhra, plain chapatis, unbranded Namkeen, unbranded Bharti Airtel received Ghana’s National
ayurvedic medicines and paper wastes to 5% from 12 %. Communications Authority’s approval for the merger
The Food packets used in ICDS scheme, plastic and rubber between Bharti Ghana (Airtel) and Millicom Ghana (Tigo),
wastes will now be taxed at 5% instead of 18%. It approved subject to certain conditions.
the quarterly filing of returns for businesses with turnover Prasar Bharati Chairman A Surya Prakash launched an
up to 1.5 crore rupees besides raising the threshold for online application system for music auditions across all
composition scheme from 75 lakh rupees to one crore genres for the All India Radio. It was launched on the
rupees. occasion of 64th Akashvani Sangeet Sammelan in New
Delhi.
Business Current Affairs Magicbricks announced the launch of India's first
Reliance Communication had received the final approval online bidding platform for residential and commercial
on its merger with Sistema from the Department of properties and tied-up with developer M3M for the
Telecommunication (DoT). This merger will also extend inaugural 'My Bid, My Home' under which consumers
validity of RCom's spectrum portfolio in the highly valued can bid for ready-to-move-in residential properties in
800 and 850 MHz band in eight major telecom circles Gurugram.
across the country. J Sagar Associates (JSA) is the first law firm to have
Reliance Industries Ltd (RIL) became the first Indian opened an office at Gujarat International Finance Tec-
company to cross Rs 6 trillion market capitalization after City (GIFT). The office was inaugurated by Sudhir Mankad
its shares surged over 75% so far this year and hit a fresh - Chairman of GIFT IFSC.
lifetime high. Currently, its market cap is at Rs 6.02 trillion. Flipkart announced the launch of MarQ, an in-house
Tech major SAP announced the launch of Asia Pacific Japan brand in the large appliances category. MarQ is an in-
(APJ) region's first SAP Leonardo Center in Bengaluru. The house brand of Flipkart, that sells large appliances.
fourth SAP Leonardo Center globally, the facility is a go-to
place for SAP's ecosystem for digital inspiration and co-
innovation.

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Sports Virat Kohli became the sixth Indian to complete 9000 ODI
runs during the third game against New Zealand. He went
The 6-foot-9-inch Chandigarh hoopster Amjyot Singh
on to score his 32nd ODI century off 96 balls.
became the third Indian - after Satnam Singh and Palpreet
Indian Junior Men’s Hockey team beat hosts Malaysia 4-0
Singh Brar to walk into the National Basketball
in the Bronze medal match of the 7th Sultan of Johor Cup
Association (NBA) league.
2017 at the Taman Daya Hockey Stadium, in Malaysia
Cristiano Ronaldo is the richest sports personality in the
India's Kidambi Srikanth created history as he became the
world, according to the latest Forbes' Rich List.
first Indian player to win four Superseries titles in a year
Gaganjeet Bhullar had completed a wire-to-wire victory
after he won the men's singles title at the French Open.
and lifted his eighth Asian Tour title at the Macau Open.
Swiss superstar Roger Federer won his eighth Basel title,
India beats Malaysia 2-1 in the finale to win the 2017 Asia
after defeating Juan Martin del Potro, 6-7(5), 6-4, 6-3 to
Cup Hockey tournament held in Dhaka, Bangladesh.
clinch his ATP World Tour-leading seventh title of the year.
This was India's third continental title. Lalit Upadhyay
India captain Mithali Raj moved up one place to occupy the
won the goal of the match award while Akashdeep Singh
number one spot in the latest ICC ODI rankings for
was adjudged the Man of the match.
batswomen.
In Badminton, ace Indian shuttler Kidambi Srikanth has
Yonex French Open 2017 Badminton tournament was held
lifted the Denmark Open Superseries trophy at Odense,
in Paris. French Open Badminton Tournament is held
Denmark. He defeated South Korea’s Lee Hyun-il to bag
annually since 1909 in France. Indian shuttler Kidambi
his third Super Series title of the year and fifth overall.
Srikanth became the first Indian to win the men’s singles
Real Madrid star Cristiano Ronaldo beaten Lionel Messi
title at French Open badminton tournament. Srikanth
and Neymar to win the Best FIFA Men's Player award for
defeated Kento Nishimoto of Japan. Tai Tzu Ying of Chinese
the second year running. Ronaldo was presented the
Taipei has won women’s singles title at Yonex French Open
award at The Best FIFA Football Awards ceremony in
Badminton 2017.
London, UK. Netherlands' Lieke Martens won The Best
Indian fast bowler Jasprit Bumrah climbed to the number
FIFA Women's Player award. Real Madrid coach
one spot in the latest ICC T20 rankings while his fifth- ranked
Zinedine Zidane was named the Best FIFA Men's Coach.
team could go as high as second if it beats New Zealand in
National Basketball Association (NBA) announced that
the three-match series beginning. India captain Virat Kohli
former India men’s national team head coach Scott
edged AB de Villiers to claim the top ranking in ODIs. New
Fleming has joined NBA India as Head of Basketball
Zealand are the top-ranked side in the shortest format with
Operations.
125 points.
Jitu Rai and Heena Sidhu combined to give India their
Ace Indian shooter Heena Sindhu has bagged gold in
first gold medal of the International Shooting Sports
women's 10m Air Pistol event at Commonwealth
Federation (ISSF) World Cup Final in New Delhi. They
Shooting Championships in Brisbane, Australia.
clinched the top honors in the 10m air pistol mixed team.
Indian pacer Ashish Nehra has confirmed his retirement
The Cricket Association of Puducherry (CAP) was chosen
from International Cricket. He will play his last match
by the Committee of Administrators (CoA) as an associate
against New Zealand on November 1, 2017.
member of the Board of Control for Cricket in India
Commonwealth Games bronze medallist Shuttler RMV
(BCCI).
Gurusaidutt clinched the men's singles title at the
Gokul Natesan is the 97th pick in the NBA draft to became
Bulgarian International Future Series tournament.
only the second Indian-origin player to be signed by an
Gurusaidutt has defeated Muhammed Ali Kurt (Turkey).
NBA G-League side. Natesan, 23, was picked by Canton
Netherlands captain Arjen Robben announced the end of
Charge.
his international career after his country failed to reach
India's Amanpreet Singh clinched a bronze medal in his
the 2018 World Cup finals despite a 2-0 win over Sweden.
maiden appearance in an ISSF World Cup Final, in New
Indian football team has qualified for the 2019 Asian Cup
Delhi. Jitu Rai fizzled out to finish seventh on the fourth day
after they had a convincing 4-1 win over Macau with two
of competition.
matches still to go in the qualifying round. This is the third
England scripted a dramatic turnaround in Kolkata to win
time the country has qualified for the continental
the 2017 FIFA U17 World Cup for the very first time after
showpiece. International Cricket Council Board has given
a 5-2 win over European U17 champions Spain.
an in-principle nod to the proposed nine-team Test
Pardeep Narwal scored incredible 24 points to steer Patna
Championship and a 13-team One-Day International
Pirates to third consecutive Pro Kabaddi title.
league at the end of the meeting in Auckland. The Test
Sangram Dahiya won a silver in the ISSF World Cup Final,
competition will begin after the 2019 World Cup and the
in New Delhi. Double trap exponent Sangram clinched his
50-over event sometime in 2020.
first-ever senior medal in International Shooting Sports
Federation tournament.

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Miscellaneous
| Sports
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Switzerland's Esther Staubli become the first female Rafael Nadal (Spain) won his sixth title of the year by
referee to officiate a match at the FIFA U-17 World Cup. defeating Nick Kyrgios (Aus) at China Open 2017.
She was the referee in the match between Japan and New Pooja Kadian became the first ever Indian sportsperson to
Caledonia in the final round group E match. win a gold medal at the Wushu World Championship in
Jackson Singh Thounaojam created history at Delhi’s Kazan, Russia. Kadian, who competed in the women's 75kg
Jawaharlal Nehru Stadium by scoring India’s first goal in Sanda category, defeated Russia's Evgeniya Stepanova.
a FIFA U-17 World Cup during India’s match against Brazilian police arrested the chairman of the country’s
Colombia. Olympic Committee Carlos Arthur Nuzman as part of a
Atlanta 1996 and Athens 2004 gold medal-winning sailor probe into alleged vote-buying to secure Rio’s hosting of
Robert Scheidt (44 years old) has announced his the 2016 Games.
retirement from Olympic competition, ending a career The much-awaited FIFA U-17 World Cup started with four
that spanned a quarter of a century. opening day matches to be played in Delhi and Mumbai.
Kavita Devi, a former competitive powerlifter, has Australian fast bowler John Hastings has called it quits
become the first ever Indian woman to be signed by the from Test Match and ODIs, citing recurring injuries as the
World Wrestling Entertainment (WWE). reason.
India's young paddler Selena Selvakumar completed a
golden sweep in the Egypt Junior and Cadet Table Tennis
Open, adding the junior girls' singles and doubles titles at
National & International Current Affairs
Sharm El Sheikh in Egypt. National Current Affairs
Premier all-rounder Shakib Al Hasan became the first Union Home Minister Rajnath Singh along with Minister of
cricketer from Bangladesh to be inducted in the MCC Petroleum and Natural Gas and Skill Development and
World Cricket Committee under the chairmanship of Mike Entrepreneurship Dharmendra Pradhan inaugurated
Gatting. India's first Pradhan Mantri Kaushal Kendra (PMKK) for
Five-time Grand Slam winner Maria Sharapova defeated Skilling in Smart Cities, in collaboration with New Delhi
102nd-ranked teenager Aryna Sabalenka to win the 2017 Municipal Council (NDMC). It is launched under skill India
Tianjin Open. Mission.
Maidan heavyweights Mohun Bagan has won the 37th All Union Home Minister Rajnath Singh announced that
India Governor's Gold Cup football tournament for the 10th former Director IB Dineshwar Sharma was handpicked by
time by defeating Partha Chakra by a narrow 1-0 margin. the Ministry of Home Affairs (MHA) to hold a dialogue
Roger Federer has brushed aside world number one Rafael with stakeholders of Jammu and Kashmir. A sustained
Nadal to win the Shanghai Masters and register his fourth dialogue will be initiated with all shades of opinion in
victory of the year over his Spanish rival. Kashmir Valley.
TVS Racing’s mascot Jagan Kumar notched his sixth Union Cabinet approved the biggest ever highway project
straight title in premier Super Sport Indian class to bring to develop and expand approximately 83,000 km of roads
down the curtain on the MRF MMSC FMSCI Indian National at an investment of Rs 6.9 lakh crore by 2022. The project
Motorcycle Racing Championship in Chennai, Tamil Nadu. also includes the new 28,400 km Bharatmala highway
The Queen's Baton for the 2018 Commonwealth Games program connecting border areas, improving
arrived in New Delhi, India. The 2018 Commonwealth international, port and coastal connectivity.
Games will be held in Australia. The Baton was received by Asian Development Bank (ADB) and the Government of
Indian Olympic Association (IOA) joint secretary Rakesh India signed a $65.5 million loan agreement in New Delhi
Gupta. to continue interventions to check coastal erosion on the
In a bid to create awareness about para-sports and provide Western Coast in Karnataka.
a platform to para sportspersons to narrate their stories of To strengthen maritime security, India and the United
triumph and adversity, "[Link]", the States have agreed to implement the program for
country's first portal dedicated to para-sports was Helicopter Operations from Ships Other Than Aircraft
launched. It is a non-profit initiative, helmed by 17-year- Carriers (HOSTAC). They "agreed on the importance of a
old Mumbai student and sports enthusiast, Saachi Munot. rules-based international order" in which all nations are
India’s Anupama Ramachandran clinched the World able to prosper, and the "need to work together" against
Open Under-16 Snooker Championship title at St. the common threat of terrorism.
Petersburg in Russia. In the girl's category, Anupama India overtakes the US to become the world’s second-
Ramachandran of India become World Open Under-16 largest smartphone market, trailing only China,
champion. according to a new report by analyst firm Canalys.

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Union Cabinet approved over Rs 7,000 crore for India has opened two immigration check posts along the
construction of permanent campuses of six new Indian borders with Myanmar and Bangladesh. Central
Institute of Technology (IITs) across the country. Each of government designated Zorinpui land check post in
the permanent campuses to be established at Tirupati Lawngtlai district of Mizoram as an authorized
(Andhra Pradesh), Palakkad (Kerala), Dharwad immigration check post for entry into or exit from India
(Karnataka), Jammu (Jammu and Kashmir), Bhilai with valid travel documents for all classes of passengers to
(Chhattisgarh) and Goa will have a facility for housing or from Myanmar. Kawrpuichhuah land check post in
1,200 students from the academic year 2020-2021. Lunglei district of Mizoram as an authorized immigration
Prime Minister Narendra Modi dedicated the Bidar - check post for entry into or exit from India with valid travel
Kalaburagi New Railway Line to the Nation by unveiling documents for all classes of passengers to or from
a plaque at Bidar Railway Station, in Karnataka. Bangladesh.
German Railways will assist Indian Railways to make
country's existing rail corridors semi-high speed. The International Current Affairs
semi high-speed trains will run at 200 km per hour. Bangladesh signed long-term sales and purchase agreement
Prime Minister Narendra Modi inaugurated the first ever with an Indian refiner to import gas oil to meet the country’s
All India Institute of Ayurveda (AIIA) in New Delhi, on the energy demand.
occasion of the 2nd Ayurveda Day. It is the first institute Central American country Nicaragua signed the Paris
under the Ministry of AYUSH with a National Agreement on climate change, leaving the United States
Accreditation Board for Hospitals and Healthcare and Syria as the only two countries holing out to sign this
Providers (NABH) accreditation. global climate pact. According to Nicaragua's President
Prime Minister Narendra Modi laid the foundation stone Daniel Ortega, the Paris Agreement is the only
for four sewerage projects under the Namami Gange international mechanism that offers the conditions to face
programme; and four National Highway projects, at global warming and its effects.
Mokama in Bihar. The total outlay of these projects is over Qatar committed that it will introduce a minimum wage for
Rs. 3700 crore. The four sewerage projects include workers in the country. Other reforms to labour laws include
Sewage Treatment Plant at Beur, Sewerage System with stopping employers from preventing workers from leaving
Sewer Network at Beur, Sewage Treatment Plant at the country, a new central authority to ensure that work
Karmalichak and STP and Sewer Network at Saidpur. contracts are being adhered to and bilateral agreements with
Foundation stone for the first ever Industrial Training 36 countries to protect the legal rights of those who head to
Institute for the Divyangans exclusively was laid at the Gulf for work.
Dibrugarh ITI Complex at Borboruah, Dibrugarh by Assam Saudi Arabia become the first country to give a robot
Chief Minister Sarbananda Sonowal. citizenship. The move is an attempt to promote Saudi
PM Modi laid the foundation stone for Bhadbhut Barrage Arabia as a place to develop artificial intelligence and,
to be built over Narmada River in Bharuch Gujarat. He also presumably, allow it to become a full citizen. The Robot
flagged off the Antyodaya Express between Udhna in Surat is named as 'Sophia'.
and Jaynagar in Bihar. A new 500-crore rupees civil Burundi became the first nation ever to leave the
hospital and a medical college in Vadnagar, Gujarat was International Criminal Court (ICC), set up 15 years ago to
inaugurated. prosecute those behind the world’s worst atrocities.
PM Modi laid the foundation stone of a four-lane cable- The world’s first hybrid electric tram powered by
stayed bridge between Okha and Beyt Dwarka. The bridge hydrogen fuel cells has started running in China, marking
is a link between old and new Dwarka. The 2.32 km bridge, a big step in the application of green energy in public
including 900 metres of central double span cable-stayed transport.
portion, will be constructed at a cost of Rs. 962.43 crore. Iran's key strategic port of Chabahar became operational
The nation pays homage to Father of the Nation, Mahatma with the maiden shipment of wheat from India to
Gandhi on his 148th birth anniversary on 02nd October Afghanistan. It was flagged off from Kandla port in
2017. His autobiography was "My experiments with Gujarat. Chabahar port is strategically located in Sistan-
Truth". Balochistan province on energy-rich Iran’s southern coast
The nation pays homage to former PM Lal Bahadur Shastri in Gulf of Oman.
on his birth anniversary on 02nd October 2017. Lal Turki Al-Asheikh, Chairman of the General Sports
Bahadur Shastri was born on 02nd October 1901 at Authority of Saudi Arabia announced that Saudi women
Mughalsarai in Uttar Pradesh. He led the country during will now be able to attend sports events in stadiums
the Indo-Pakistan War of 1965 and gave the slogan - "Jai starting from 2018.
Jawan Jai Kisan". US and Israel announced their withdrawal from the UN’s
cultural agency UNESCO after Washington accused it of
anti-Israeli bias.

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host to the world’s first government to accept bitcoin in Visakhapatnam.

exchange for citizenship. The first-ever Tri Services Joint Exercise between Indian
Bangladesh signed a $4.5 billion third line of credit(LoC) and Russian Armed Forces, INDRA-2017 held near
agreement with India for its infrastructure and social Vladivostok in Russia. Two indigenously built Indian Naval
sector development. The agreement was signed in the ships INS Satpura and INS Kadmatt reached Vladivostok
presence of FM Jaitley and his Bangladeshi counterpart A Port and were given a traditional ceremonial welcome. The
M A Muhith. Indian contingent for the Exercise is led by the Task Force
In the United States, hurricane Nate made landfall near Commander Major General ND Prasad.
the mouth of the Mississippi River in Louisiana. Russia launched world's largest nuclear-powered
Austria’s law banning face veils such as burkhas or icebreaker ship in a bid to expand its strategic presence in
niqabs has come into effect from now. As per the Govt., the resource-rich, terrain of the Arctic. The massive vessel,
acceptance and respect of Austrian values are basic named Sibir (Siberia), was developed as part of a huge
conditions for successful cohabitation between the push by the Rosatom State Atomic Energy Corporation to
majority Austrian population and people from third open up crucial shipping lanes in the icy Northern Sea
countries living in Austria. Route.
China marked 68th National Day on 01st Oct. 2017 with
more than 115,000 people from across the country
Ranks/ Indexes Released
gathering at the Tian'anmen Square to watch the raising
of the National Flag in Beijing. Jaipur and Srinagar Airport got First and Second rank
respectively in the category of 2-5 million passengers in
ACI-ASQ Survey.
Defence Current Affairs United Nations Population Fund (UNFPA) Executive
Indian Navy Ship Sukanya under the command of Director Dr. Natalia Kanem launched the 2017 State of
Commander SA Deodhar has arrived at Belawan World Population report in London, UK. The new UNFPA
Indonesia to participate in the 30th edition of CORPAT report has been entitled as “Worlds Apart: Reproductive
(Coordinated Patrol) and 3rd Bilateral exercise between Health and Rights in an Age of Inequality.” As of 2017, half
the Indian Navy and the Indonesian Navy. The exercise of 1.6 billion women of reproductive age living in
is aimed to foster closer maritime ties with countries developing regions want to avoid a pregnancy. Globally,
located on the rim of the Indian Ocean. women earn 77 percent of what men get.
India and France agreed to strengthen bilateral defence Singapore's passport has become the most powerful in
cooperation as a key Pillar of strategic partnership the world with a Visa-Free Score of 159, according to the
between the two countries. Defence minister Nirmala Passport Index developed by advisory firm Arton Capital.
Sitharaman and French Minister for the Armed Forces, Ms. This is the first time an Asian country has been announced
Florence Parly discussed a range of measures to expand as having the most powerful passport. India secured the
military to military ties. The joint Naval exercise named the 75th rank in the index with a Visa-Free Score of 51.
VARUNA is scheduled in early 2018 between the two Afghanistan was on bottom most position (94th). The Top
countries. 3 countries are- Singapore, Germany & Sweden with
Navies of India and Japan began anti-submarine warfare South Korea.
exercise in the Indian Ocean region to deepen their Madhya Pradesh emerged as the top state in terms of
operational coordination in the strategically important sea digital initiatives undertaken, with a maximum score of
lanes around the two countries. 100.1 on performance index, followed by Maharashtra at
Indian Air Force (IAF) launched an innovative health 99.9 and Andhra Pradesh at 99.8, according to a report by
mobile App named `MedWatch' on the occasion of its 85th Coeus Age Consulting.
anniversary. It was launched by Air Chief Marshal BS According to the list released by Forbes, Virat Kohliranks
Dhanoa during the Air Force Commanders' Conference in ahead of Barcelona superstar Lionel Messi when it comes to
New Delhi. brand value. The captain of the Indian cricket has a brand
The fifth India-Sri Lanka Joint Training Exercise (JTE) value of $14.5 million which puts him ahead of Messi on the
MITRA SHAKTI 2017 held conducted at Aundh Military 7th spot in the top 10 list revealed by Forbes. The list is
Station, Pune. The exercise is based on Counter Terrorist topped by Roger Federer.
Operations and an Infantry company from both the India has 108 publicly-listed family-owned businesses,
countries is participating in the same. third highest in the world, while China tops the tally with
Defence Minister Nirmala Sitharaman commissioned an 167 such companies followed by the US which has 121,
indigenously-built anti-submarine warfare stealth corvette according to the Credit Suisse report. As per the Credit
Suisse Research Institute's (CSRI) latest "CS Family

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1000" report, with an average market capitalisation of topping the charts for the 10th consecutive year with a net
USD 6.5 billion, India ranks 5th in Asia Pacific excluding worth of $38 billion. Ambani is followed by tech czar Azim
Japan, and 22nd globally, in terms of average m-cap. The Premji. Ranked third are the Hinduja brothers. The
top country in terms of number of family-owned combined net worth of the 100 richest Indians stood at
companies is China. $479 billion.
Indian origin campaigner Gina Miller was named UK’s Donald Trump is now the world’s most followed leader on
most influential black person of the year. 52-year-old Twitter, while Narendra Modi is the third, according to the
Miller, ranked on top in the 2018 'Powerlist' of 100 people latest report by Twiplomacy.
of African and African Caribbean inheritance published
in London by Powerful Media. Important Days
The travel guide company Lonely Planet has ranked
Chile as the number one country to visit in 2018 in its United Nations Day is observed globally on 24 October.
Best in Travel 2018 list. The top 5 Countries in the list are: UND 2017 marks the 72nd anniversary of the UN Charter’s
Chile, South Korea, Portugal, Djibouti & New Zealand. entry into force.
GMR Hyderabad International Airport Ltd (GHIAL), World Day for Audiovisual Heritage is observed globally
Malaysia Airports Holdings Berhad (MAHB) and on 27 October. "Discover, remember and share" is the
Malaysia Tourism Promotion Board (MTPB) have come theme of this year's celebration of the WDAH.
together to promote the growth of tourism traffic. International Day for Disaster Reduction was observed
According to Forbes magazine, Jeff Bezos surpassed Bill across the world on 13 October. The theme for 2017 IDDR
Gates as the richest person in the world. The fortune of is ‘Home Safe Home: Reducing Exposure, Reducing
Amazon's founder reached some $90.6 billion, compared Displacement’.
with the $90.1 billion that the online edition of the International Day for the Eradication of Poverty (IDEP) is
magazine attributes to Gates. observed globally on 17 October. The theme of this year's
With 13.7% contribution to the global pharmaceuticals IDEP is ‘Answering the Call of October 17 to end poverty:
and biotechnology workforce, India has emerged as the A path toward peaceful and inclusive societies’.
second largest market for the industry, a report by This year's 2nd Ayurveda Day is celebrated on 17 October
professional networking giant LinkedIn has revealed. in New Delhi by the Ministry of AYUSH. PM Modi was the
India, which has more than a fifth (21%) of its children Chief Guest and had also inaugurated the country's first All
wasted (weigh too little for their height), slipped three India Institute of Ayurveda, Sarita Vihar, New Delhi.
places to 100th in the 2017 Global Hunger Index (GHI). FAO celebrates World Food Day each year on 16 October
The ranking of India in the list was 97th in 2016. The 2017 to commemorate the founding of the Organization in 1945.
GHI released by the International Food Policy Research This year theme was "Change the future of migration.
Institute (IFPRI) termed India's hunger levels ‘serious’ Invest in food security and rural development".
problem at hand. 20th October observed as the World Statistics Day.
Japanese capital city Tokyo topped The Economist 15th October observed as the International Day of Rural
Intelligence Unit's Safe Cities Index 2017, which ranked 60 Women. This year's theme was “Challenges and
cities on parameters including personal and health opportunities in climate-resilient agriculture for gender
security. Singapore and Japanese city Osaka have ranked equality and the empowerment of rural women and girls".
second and third, while Indian cities Delhi and Mumbai National Police Commemoration Day is observed every
have ranked 43rd and 45th respectively. year on 21st October remembering the brave policemen
Indian consumers regard Google as the most authentic who sacrificed their lives while discharging their duties.
brand, even though [Link] tops the list globally, Rich tributes are paid to the martyrs on this day.
reveal results of the 2017 "Authentic Brands Study" by the International Day of Non-Violence is marked on 2
new survey of global communications agency Cohn & October, the birthday of Mahatma Gandhi, leader of the
Wolfe. Google is followed by Microsoft, [Link], Indian independence movement and pioneer of the
Maruti Suzuki and Apple. philosophy and strategy of non-violence.
With 2.51 million deaths in 2015, India has been ranked United Nations General Assembly designated 1 October
No. 1 in pollution-related deaths, according to a report by the International Day of Older Persons. The theme is
The Lancet Commission on pollution and health. China “Stepping into the Future: Tapping the Talents,
recorded the second highest number of such deaths (1.8 Contributions and Participation of Older Persons in
million). India accounted for about 28 percent of an Society.”
estimated nine million pollution linked deaths worldwide Indian Air Force (IAF) is celebrating its 85th
anniversary on 08th October 2017.
in 2015.
Forbes Magazine released its India Rich List for 2017, with
Reliance Industries Limited chairman Mukesh Ambani

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World Teachers’ Day held annually on 5 October. The

theme is “Teaching in Freedom, Empowering Teachers”. heritage and traditions.
World Space Week is organized across the World from 4 India and European Investment Bank (EIB) signed the finance
to 10 October with the theme ‘Exploring New Worlds In contract for lending of 300 million euros (about Rs 2,293
Space’. crore) for Bangalore Metro Rail Project phase-II. Bangalore
Metro Rail Project Phase II is to be jointly financed by the EIB
Agreement Signed (500 million euros) and Asian Infrastructure Investment
Bank (300 million euros).
Engineering Export Promotion Council (EEPC) of India The Union Cabinet chaired by Prime Minister Shri
signed an MoU with Punjab National Bank to provide easy Narendra Modi has given the following set of approvals.
access to finance for SMEs and merchant exporters of the The full list of Cabinet Approvals are as follows:
council. PNB will provide finance with assurance that
 Memorandum of Cooperation (MoC) between India and
loans up to Rs. 10 crore would be provided within six to
Japan on the "Technical Intern Training Program (TITP)"
seven weeks at competitive rates.
 Signing of the MoC between India and Japan on
National Research Development Corporation (NRDC) establishing a Liquid, Flexible and Global LNG Market
signed an MoU each with European Business Technology  MoU between SEBI and Financial Services Commission
Centre (EBTC) and Lovely Professional University. EBTC
(FSC), Gibraltar.
is a not-for-profit organization facilitating Europe-India
 MoU between India and Belarus for Cooperation in the field
cross-border collaboration in technology transfer and IP
of Vocational Education and Training
management.
 Signing of MoU between Securities and Exchange Board
Asian Development Bank and the Government of India
of India (SEBI) and Capital Markets Authority (CMA),
signed a $300 million loan to continue a series of fiscal
Kuwait.
reforms in the State of West Bengal to improve the quality
 International Association of Marine Aids to Navigation and
of public service delivery.
Lighthouse Authorities (IALA) to change its status from
The Government of India and the World Bank signed a
Non-Governmental Organization to Inter- Governmental
$200 million Loan Agreement for the Assam Agribusiness
Organization.
and Rural Transformation Project. The Project will be
 MoU between India and Morocco on cooperation in the field
implemented in over 16 Districts of Assam.
of water resources
Odisha government's Directorate of Treasuries and
 Revised pay scales of teachers and equivalent academic
Inspection and SBI signed an MOU for integration of SBI
staff in Universities/Colleges & centrally funded
e-Pay with the cyber treasury. This will facilitate revenue
technical institutions.
collection from citizens through digital banking platform.
 SANKALP & STRIVE Schemes to boost Skill India Mission.
The SBI e-Pay is the payment aggregator service wing of
the bank.
Abu Dhabi Global Market (ADGM), the International Awards & Recognition
Financial Centre in Abu Dhabi, and Yes Bank have signed a The playback singers Alka Yagnik and Udit Narayan and
memorandum of understanding to further foster cross- music composers Usha Khanna, Bappi Lahiri, Anu Malik
border exchange between the fintech ecosystems of the have been selected for the Madhya Pradesh government's
United Arab Emirates and India. prestigious National Lata Mangeshkar Award.
India has signed a Memorandum of Co-operation (MoC) Gitanjali Rao, an 11-year-old Indian-American schoolgirl,
with Japan to send youngsters there as technical interns for was named as “America’s top young scientist” for
on-the-job training for a period of three to five years. inventing a cost-effective, quick lead-contamination
India and Ethiopia signed agreements on trade, detector in water.
communication and media to boost bilateral ties. The Indian-origin South African researchers were honored
agreements were signed after wide-ranging talks between with a prestigious award for their exceptional
President Ram Nath Kovind and his Ethiopian contributions in the field of HIV/AIDS. Professors Salim
counterpart Mulatu Teshome at Addis Ababa in Ethiopia. Abdool Karim and Quarraisha Abdool Karim received the
MobiKwik announced its partnership with IRCTC Rail award from the Institute for Human Virology (IHV) in
connect app, which will allow customers book railway Baltimore, US.
tickets using the former’s payment gateway. L&T Technology Services Ltd (LTTS), a leading global
MoU was signed by UP, Arunachal Pradesh andMeghalaya pure-play Engineering Services Company was conferred
under the ‘Ek Bharat, Shrestha Bharat’ program, to boost with the Confederation of Indian Industry (CII) Industrial
cultural ties. Under this, states will Innovation Award, 2017.

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Entrepreneurship Development Institute of India (EDII) Journalist-activist Gauri Lankesh, who was shot dead by
received an award from All India Council for Technical unknown assailants posthumously accorded with the
Education (AICTE) for supporting start-ups. The premier prestigious Anna Politkovskaya Award, instituted by
Institute received the award for its contribution towards Reach All Women (RAW) in War.
promoting and mentoring technology start-ups.
Andhra Pradesh Chief Minister N Chandrababu Naidu Visits
received the Golden Peacock Award under the category
Petroleum and Natural Gas Minister Dharmendra Pradhan
'Global Leadership in Public Service and Economic
is on a three-day visit to Japan to participate in the 6th
Transformation' at a convention in London at 17th
annual LNG Producers Consumer Conference.
London Global Convention.
In her first foreign visit as Defence Minister, Ms. Nirmala
Veteran actor Sharmila Tagore has received the Lifetime
Sitharaman left for the Philippines to attend the Southeast
Achievement Award. The 72-year-old actor was
Asian Defence Ministers’ Meeting. The ADMM (ASEAN
bestowed with the recognition by the PHD Chamber of
Defence Ministers’ Meeting)-Plus meeting will discuss
Commerce and Industry in New Delhi for her contribution
ways to enhance defense and security cooperation among
in the field of cinema.
the member nations.
President Ram Nath Kovind gave away the National
Afghani President Ashraf Ghani was on a national visit to
award for senior citizens to Indian boxing coach Gurbax
India. During his visit, he met with the president Ram Nath
Singh Sandhu and Lal Bahadur Shastri National Award for
Kovind and PM Modi. India and Afghanistan have agreed to
Excellence in Public Administration, Academics and
work closely with the regional and international partners
Management for 2017 to Dr. Bindeshwar Pathak.
to further the objective of seeing Afghanistan emerge as a
Eminent critic, biographer and orator M K Sanu has been stable, peaceful, united and prosperous nation.
chosen for the Mathrubhumi Literary Award for 2016 in
Prime Minister of Italy Paolo Gentiloni arrived in New
recognition of his rich contribution to the Malayalam
Delhi on a two-day visit to India. The visit is aimed at
literature.
strengthening the bilateral political and economic
Eminent poet, lyricist and journalist Prabha Varma has
relations between the two countries.
been selected for the Padma Prabha Puraskaram for 2017.
President of European Council, Donald Franciszek Tusk
The announcement was made by the chairman-cum-
and President of the European Commission, Jean-Claude
managing director of ‘Mathrubhumi’ daily, M P
Juncker will be on a three-day visit to India to hold the 14th
Veerendra Kumar.
India-EU Summit in New Delhi.
US author George Saunders has won the 2017 Man
Booker Prize. He became only the second American
writer to win Britain’s renowned Prize, which was Summits/Events Held
awarded for his first full-length novel “Lincoln in the 2nd World Congress on Marxism is scheduled to be held at
Bardo”. Peking University in Beijing, China in May 2018. The theme of
Gujarat International Finance Tec-City (GIFT City)'s this conference is "Marxism and the Current World and
International Financial Services Centre (IFSC) bagged the China".
10th spot in the latest edition of Global Financial Centres Prime Minister Narendra Modi inaugurated a global
Index (GFCI), London. conference on consumer protection in New Delhi. This is
The Meenakshi Sundareswarar Temple has been adjudged the first time that an international conference on
best ‘Swachh Iconic Place’ in India. consumer protection is being organized by India for
Ministry of Health and Family Welfare adjudged as the best countries of the region. Twenty-two countries
department for its contribution during Swachhta participating in the international conference.
Pakhwada, an inter-Ministry initiative of Swachh Bharat Union Minister of State (IC) for Power and New &
Mission of Ministry of Drinking Water and Sanitation. Renewable Energy, Shri R. K. Singh addressed the 3rd
Rajesh Nath, Managing Director of VDMA India, conferred Global Investors’ India Forum in New Delhi. The theme of
‘Cross of the Order of Merit’, the highest civilian honour the event was 'Ideate, Innovate, Implement and Invest in
awarded to individuals for services to Germany. It is also India’.
known as Bundesverdienstkreuz or Federal Cross of Merit. India will host the next United Nations (UN) global
Birendra Sasmal, CEO of Subah, bagged the International wildlife conference in 2020. India will host the next CMS
Business Person of the Year at the Asian Achievers Awards Conference of the Parties CMSCOP13. It was officially
in London for turning the company into a thriving IT, announced at the closing CMSCOP12 plenary, in Manila,
telecoms and manufacturing success story across West Philippines. The theme of the Conference was ‘Their
Africa. Future is Our Future - Sustainable Development for
Wildlife and People’.

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Union Minister for Finance Arun Jaitley participated in A five-member committee, headed by Prasar Bharati
the G-20 Finance Ministers and Central Bank Governors Chairman A Surya Prakash, has been formed to select the
(FMCBG) Meeting in Washington D.C. candidate for the post of editor-in-chief of Rajya Sabha TV
44th edition of world largest B2B handicraft and gifts fair (RSTV).
entitled IHGF-Delhi Fair (Autumn) 2017 was inaugurated President Kovind appointed a five-member Committee. It
by Smriti Zubin Irani, Union Minister of Textiles in a will be headed by Delhi High Court's former Chief Justice
ceremony at India Expo Centre & Mart, Greater Noida. G Rohini to examine sub-categorization of Other Backward
A high-level delegation from GOI & United States met Classes (OBCs) under Article 340 of the Constitution.
NITI Aayog to plan the 2017 Global Entrepreneurship Govt.'s Committee on Haj Policy has recommended phasing
Summit. The summit will be held in Hyderabad, India. out of subsidy for Haj pilgrims and allowing women
This year’s theme is “Women First, Prosperity for All”. devotees above 45 years of age to travel in a group of at least
Archaeological Survey of India (ASI), Ministry of four without a male. The Panel formed under the
Culture is hosting international conference on Chairmanship of former Secretary Afzal Amanullah.
“Dialogue of Civilizations – IV” at Delhi, Gandhinagar Centre has set up a high-level committee for proper
and Dholavira. The objective is to encourage scholarly management of water resources in the North-Eastern region.
and public discourse about the five ancient, literate The Committee will be headed by NITI Aayog Vice Chairman
civilizations of the world, i.e. Egypt, Mesopotamia, South Rajiv Kumar.
Asia, China and Mesoamerica.
8th conference of the Association of SAARC Speakers Obituaries
and Parliamentarians (ASSP) held in Colombo, Sri Veteran Malayalam director I V Sasi, best known for his
Lanka. It was inaugurated by President Maithripala films “Avalude Ravukal” and “Devasuram” died. He was
Sirisena Prime Minister Ranil Wickremesinghe. The main 69.
theme is ‘Association of the SAARC Speakers and Eminent classical singer and Padma Vibhushan awardee
Parliamentarians’: a platform for the Parliamentarians of Girija Devi died in Kolkata. She was 88 years old. She was
South Asia to work together to reach the 2030 agenda for considered as the "Queen of Thumri" and fondly called
Sustainable Development. Appa Ji. She was from the "Benaras Gharana".
World Government Summit announced that India is a Renowned Malayalam writer Punathil Kunjabdulla passed
guest country in its upcoming gathering. World away in Kozhikode following a prolonged illness. He was
Government Summit: Headquarters: Dubai, United Arab 77. Kunjabdulla is regarded as one of the major figures of
Emirates, & Chairman: Mohamed bin Abdullah Al modernism in Malayalam literature.
Gergawi. Veteran and one of India’s eminent historian Satish
The first ever ASEAN-India music festival began at Chandra passed away the age of 95. Satish’s important
Purana Quila in New Delhi. It is observed to celebrate the works include Mughal Empire and its downfall. He was
25th year anniversary of ASEAN-India Dialogue Relations. also the author of NCERT’s leading history book ‘History of
The theme is ‘Shared Values, Common Destiny’.
Medieval India’.
First Meeting of India-Australia Joint Steering India's first Olympic swimmer Shamsher Khan passed
Committee held in New Delhi. Shri TVSN Prasad,
away in Andhra Pradesh's Guntur district. He was 87. Mr.
Additional Secretary, Ministry of Home Affairs led the Khan had represented India in 1956 Melbourne Olympics.
Indian side. He was the first swimmer to represent India in Olympics.
Roy Dotrice, a veteran British actor, died in London. He
Miscellaneous was 94. Dotrice was known for his role as Leopold
Committees Formed Mozart in the Oscar-winning film Amadeus and his
The recently constituted Economic Advisory Council to the many theater and TV roles.
Prime Minister (EAC-PM) held its first meeting in New Delhi Former President Pranab Mukherjee has released the
to deliberate upon and lay out a roadmap to give a leg up to the third part of his memoir ‘The Coalition Years: 1996-2012’,
Indian economy in the short term after GDP growth for the speaking candidly about believing he could have been the
first quarter fell to a three-year low of 5.7%.The EAC-PM is Congress choice for the Prime Minister’s post.
chaired by Dr. Bibey Debroy. Veteran director Kundan Shah, best known for the dark
The group of ministers (GoM) on making the GST comedy Jaane Bhi Do Yaaro, passed away at his home,
composition scheme more attractive held its first meeting in family sources said. He was 69.
New Delhi. The 5-member GoM, led by Assam Finance Former Union minister and socialist leader
Minister Himanta Biswa Sarma, has also been tasked to Purushottam Lal Kaushik died due to age-related
revisit Goods and Services Tax (GST) rates for restaurants. ailments at his home in Chhattisgarh's Mahasamund
district. He was 87.

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Actress Deepika Padukone launched Hema Malini's

Other Miscellaneous Current Affairs biography 'Hema Malini: Beyond the Dream Girl' on the
Rajasthan Chief Minister Vasundhara Raje launched an e- occasion of Hema's 69th birthday. The biography penned
book titled 'India 2017 Yearbook', compiled by the present by journalist turned writer Ram Kamal Mukherjee and
Comptroller and Auditor General of India (CAG) Rajiv also contains a short foreword written by Prime Minister
Mehrishi. Narendra Modi.
An illustrative book containing inspiring words of Dr Actor Varun Dhawan will get a wax statue at Madame
A.P.J. Abdul Kalam was released online by Indian women Tussauds Hong Kong, making him the youngest Indian
cricket team captain Mithali Raj on the 86th birth actor to have his statue at the museum.
anniversary of the former President. Titled In the India International Science Festival (IISF) which
"Dreamnation: Uniting a Country with Handwritten held in Anna University campus at Chennai, saw the
Dreams". The book is Co-authored by Saji Mathew and making of a new Guinness World Record for the Largest
Jubie John and published by Bloomsbury. Biology Lesson. One thousand forty nine (1049) students
The world’s largest combustion research center participated in the record breaking session.
inaugurated at the Indian Institute of Technology, For the first time, Nepal and India will undertake a joint
Madras (IIT-M) in Tamil Nadu. The National Centre for tiger census in their national parks, forests and
Combustion Research and Development (NCCRD) was protected areas adjoining the two countries using a
inaugurated by NITI Aayog member VK Saraswat. globally-recognised method.
Footwear Design & Development Institute (FDDI) has Indian Space Research Organization (ISRO) will set up a
been declared an ‘Institute of National Importance’ under research centre in Guwahati, Assam for startups,
Ministry of Commerce & Industry, Government of India. academicians, environmentalists and entrepreneurs.
The FDDI bill was passed by the Parliament in July 2017.

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Financial Awareness
BANKS IN INDIA  The objective of monetary policy of RBI is to control
inflation; discourage hoarding of commodities and
The structure divides the banks into two categories: encourage flow of credit into neglected sector.
scheduled banks and non-scheduled banks. However, the  When RBI is lender of the last resort, it means that RBI
Reserve Bank of India is at the center of the banking structure. advances credit against eligible securities.
Scheduled Banks in India  Government of India decides the quantity of coins to be
The eligibility criteria exist for scheduled banks: minted.
a) The first of which entails carrying on the business of  The method which is used currently in India to issue
banking in India. currency note – minimum reserve system.
b) All scheduled banks must maintain a reserve capital of 5  For issuing notes, RBI is required to hold the minimum
lakhs rupees in the Reserve Bank of India. reserves of Rs. 200 crore of which note less than Rs. 115
c) These are registered under the second schedule of RBI crore is to be held in gold.
Act, 1934.
POLICY RATES
RBI & ITS ROLE Repo Rate
1) RBI is the central Bank of India and controls the entire  Repo rate is the rate of interest which is levied on Short-
money issue, circulation and control by its monetary Term loans taken by commercial banks from RBI.
policies and lending policies. Whenever the banks have any shortage of funds they can
2) It is also known as the lender of last resort. borrow it from RBI.
3) It was established on April 1, 1935 in accordance with the Reverse Repo Rate
provisions of the Reserve Bank of India Act, 1934 &  This is exact opposite of Repo rate. Reverse repo rate is the
ntionalized in 1949. rate at which commercial banks charge on their surplus
funds with RBI. RBI uses this tool when it feels there is too
Main Functions much money floating in the banking system.
1) Monetary Authority: Formulate, implements and CRR Rate
monitors the monetary policy.  Cash reserve Ratio (CRR) is the amount of cash funds that
2) Regulator and supervisor of the financial system: the banks have to maintain with RBI in cash asreserves.
Prescribes broad parameters of banking operations SLR Rate
within which the country’s banking and financial system  SLR (Statutory Liquidity Ratio) is the amount a
functions. commercial bank needs to maintain in the form of cash, or
3) Manager of Foreign Exchange: Manages the Foreign gold or government approved securities (Bonds) before
Exchange Management Act, 1999. providing credit to its customers.
4) Issuer of Currency: Issues and exchanges or destroys  It is determined as the percentage of total Net Demand and
currency and coins not fit for circulations. Time Liabilities (NDTL).
5) Development role: Performs a wide range of promotional Bank Rate
functions to support national objectives.  Bank rate is the rate of interest which is levied on Long
6) Bankers to the Government: performs merchant Term loans and Advances taken by commercial banks
banking function for the central and the state from RBI.
governments; also acts as their banker. MSF Rate
7) Bankers to banks: maintains banking accounts of all  MSF (Marginal Standing Facility Rate) is the rate at which
scheduled banks. banks can borrow overnight from RBI.
 This was introduced in the monetary policy of RBI for the
IMPORTANT POINTS ON RBI year 2011-2012.
 RBI is not expected to perform the function of accepting  Banks can borrow funds through MSF when there is a
deposits from the general public. considerable shortfall of liquidity. This measure has been
 RBI has its headquarters at Mumbai. introduced by RBI to regulate short-term asset liability
 Prime lending rate is not decided by RBI. mismatches more effectively.
 Prime lending rate is decided by the individual banks.
 RBI decides the following rates namely; Bank rate, repo CURRENCY IN INDIA
rate, reverse repo rate and cash reserve ratio.
 RBI was set up on the recommendations of Hilton Young a) What do you know by currency chest?
commission. Currency chests are operated by RBI so that they can
 The quantitative instruments of RBI are – bank rate provide good quality currency notes to the public.
policy, cash reserve ratio and statutory liquidity ratio. However, RBI has appointed commercial banks to open

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and monitor currency chests on behalf of RBI. The cash lower than the rate allowed on a fixed deposit for the
kept in currency chests is considered to be kept in RBI. same period.

b) What is a small coin depot? Important points to remember

The bank branches are also authorised to establish Small a) Minimum age to open a bank account is now 10 years.
Coin Depots to stock small coins. The Small Coin Depots b) Maximum Interest rate is given on FD A/c.
also distribute small coins to other bank branches in their c) The maximum period of an FD is 10 years & for RD is 10
area of operation. years.

c) What are soiled, mutilated and imperfect banknotes? INTEREST RATE ON BANK ACOUNTS
 "Soiled note" means a note which, has become dirty due
to usage and also includes a two piece note pasted A) Some points related to Interest Rates on Bank
together wherein both the pieces presented belong to the Accounts
same note, and form the entire note. 1) Interest on Savings A/c is calculated on daily balance basis.
 Mutilated banknote is a banknote, of which a portion is 2) Now, All Scheduled Commercial Banks (Excluding RRBs)
missing or which is composed of more than two pieces. have the discretion to offer differential interest rates
 Imperfect banknote means any banknote, which is based on whether the term deposits are with or without-
wholly or partially, obliterated, shrunk, washed, altered premature-withdrawal-facility, subject to the following
or indecipherable but does not include a mutilated guidelines:
banknote.  All term deposits of individuals (held singly or jointly) of
₹ 15 lakh and below should, necessarily, have premature
NATIONALISATION OF BANKS withdrawal facility.
 Nationalisation of Imperial Bank of India and its  For all term deposits other than (i) above, banks can offer
conversion into State Bank of India in July 1955. deposits without the option of premature withdrawal as
 Conversion of 8 major State-associated banks into well.
subsidiary banks of SBI in 1959.  Banks should disclose in advance the schedule of interest
 Nationalisation of 14 Indian scheduled banks in July rates payable on deposits i.e. all deposits mobilized by
1969. banks should be strictly in conformity with the published
 Nationalisation of 6 more banks in April 1980 & Indian schedule.
bank merged into Punjab National Bank. B) Taxation of Savings Bank Interest rates:
Unlike interest on fixed deposits, interest earned on
ACCOUNTS IN A BANK savings bank accounts is not subject to Tax Deduction at
 Savings Bank Account Source. However, this does not mean the interest earned
 Current Deposit Account on Savings accounts is completely tax free. It is exempt
 Fixed Deposit Account upto Rs. 10,000 in a year, and if the interest you earn from
 Recurring Deposit Account. Savings accounts crosses this threshold, it becomes
subject to tax.
a. Savings Bank Account C) Senior Citizens Savings Scheme, 2004:
The rate of interest on savings bank account varies from The salient features of the Senior Citizens Savings
bank to bank and also changes from time to time. Interest Scheme, 2004 are given below:
rate is paid to the account holders on daily balance basis.
Tenure of the 5 years, can be extended by 3 years.
b. Current Deposit Account deposit account
 This account is mainly for big businessmen, companies Rate of interest 9.3 per cent per annum
and institutions, since there are no restrictions on number Investment to be in Rs. 1000/-
of withdrawals from this type of account. From this multiples of
account withdrawal can be made any number of times. Maximum Rs. 15 lakh
 For the convenience of the account holders banks also investment limit
allow withdrawal of amounts in excess of the balance of Minimum eligible 60 years (55 years for those who
deposit. This facility is known as overdraft facility. age for investment have retired on superannuation or
c. Fixed Deposit Account (also known as Term Deposit under a voluntary or special
Account) voluntary scheme).
Money is deposited in a fixed deposit account to earn Premature Permitted after one year of opening
interest at a higher rate. closure/withdrawal the account but with penalty.
d. Recurring Deposit Account facility
The rate of interest allowed on the deposits in this account Modes of holding Accounts can be held both in single
is higher than that on a savings bank deposit but and joint holding modes. Joint
holding is allowed only with
spouse.

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or in any other manner and not being Investment, Asset

NBFC Financing, Loan Company.
b) A RNBC can accept deposits for a minimum period of 12
A Non-Banking Financial Company (NBFC) is a company months and maximum period of 84 months from the date
registered under the Companies Act, 1956 engaged in the of receipt of such deposit. They cannot accept deposits
business of loans and advances, acquisition of repayable on demand.
shares/stocks/bonds/debentures/securities issued by
Government or local authority or other marketable securities ATM
of a like nature, leasing, hire-purchase, insurance business, chit What is an Automated Teller Machine (ATM)?
fund business. Ans. Automated Teller Machine is a computerized machine
that provides the customers of banks the facility of
Difference between BANK & NBFC: accessing their account for dispensing cash and to carry
NBFCs lend and make investments and hence their activities out other financial & non-financial transactions without
are akin to that of banks; however there are a few differences the need to actually visit their bank branch.
as given below:
i. NBFC cannot accept demand deposits; What is White Label ATMs (WLAs)?
ii. NBFCs do not form part of the payment and settlement Ans. ATMs set up, owned and operated by non-banks are called
system and cannot issue cheques drawn on itself; White Label ATMs. Non-bank ATM operators are
iii. Deposit insurance facility of Deposit Insurance and Credit authorized under Payment & Settlement Systems Act,
Guarantee Corporation is not available to depositors of 2007 by the Reserve Bank of India.
NBFCs, unlike in case of banks.
What is Personal Identification Number (PIN)?
Different types/categories of NBFCs registered with RBI: Ans. PIN is the numeric password which is separately mailed
 Asset Finance Company(AFC) / handed over to the customer by the bank while issuing
 Investment Company (IC) the card. Most banks require the customers to change the
 Loan Company (LC) PIN on the first use. Customer should not disclose PIN to
 Infrastructure Finance Company (IFC) anybody, including to bank officials. Customers should
 Infrastructure Debt Fund change the PIN at regular intervals.
 Non-Banking Financial Company - Micro Finance
Institution (NBFC-MFI Is the customer charged for ATM transactions?
 Non-Banking Financial Company – Factors (NBFC- Ans. With effect from November 01, 2014, Savings bank
Factors) account holders can do a minimum of three transactions
(including both financial and non-financial transactions)
Register with RBI: free of charge in a month at other bank ATMs in case of
A company incorporated under the Companies Act, 1956 and ATMs located in six metro locations, viz. Mumbai, New
desirous of commencing business of non-banking financial Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. At
institution as defined under Section 45 I(a) of the RBI Act, 1934 other locations, the savings bank account holders can
should comply with the following: transact a minimum of five transactions (including both
a) It should be a company registered under Section 3 of the financial and non-financial transactions) free of charge in
companies Act, 1954 a month at other bank ATMs. Similarly, Basic Savings
b) It should have a minimum net owned fund of Rs 200 lakh. Bank DepositAccount holders will continue to get five
free transactions. Banks on their own can decide to offer
Deposits in NBFC: more number of transactions free of cost to their
a) Presently, the maximum rate of interest an NBFC can offer customers. In case of charges to be levied on customers,
is 12.5%. The interest may be paid or compounded at rests the customer can be charged a maximum of Rs. 20/- per
not shorter than monthly rests. transaction (plus service tax, if any) by his/her bank.
b) The NBFCs are allowed to accept/renew public deposits
for a minimum period of 12 months and maximum period What should a customer take in case of failed ATM
of 60 months. They cannot accept deposits repayable on transaction at other bank/white label ATMs, when his /
demand. her account is debited?
c) The deposits with NBFCs are not insured. Ans. The customer should file a complaint with the card
d) The repayment of deposits by NBFCs is not guaranteed issuing bank at the earliest. This process is applicable
by RBI. even if the transaction was carried out at another
bank’s/non-bank’s ATM. In case of WLAs, the contact
Brief about RNBC number/toll free numbers are also available for lodging
a) Residuary Non-Banking Company is a class of NBFC which complaints regarding failed transactions at their ATMs.
is a company and has as its principal business the
receiving of deposits, under any scheme or arrangement

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Is there any time limit for the card issuing banks for the borrower, to pay the secured creditor so much of the
recrediting the customers account for a failed money as if sufficient to pay the secured debt.
ATM/WLA transaction indicated under Q. No. 5?
Ans. As per the RBI instructions, banks have been mandated The assets portfolio of the banks is required to be
to resolve customer complaints by re-crediting the classified as
customer’s account within 7 working days from the date of (1) standard assets (2) sub-standard assets(3) doubtfulassets
complaint. and (4) loss assets.
 Standard asset is one that does not disclose any problems
Are the customers eligible for compensation fordelays and which does not carry more than normal risk attached
beyond 7 working days? to the business .
Ans. Yes. Effective from July 1, 2011, banks have to pay  An asset which has been classified as NPA for a period not
compensation of Rs. 100/- per day for delays in re- exceeding 12 months is considered as sub-standard
crediting the amount beyond 7 working days from the date asset.
of receipt of complaint for failed ATM transactions. The  Doubtful asset is one which has remained NPA for a
compensation has to be credited to the account of the period exceeding 12 months.
customer without any claim being made by the customer.  An asset which is considered uncollectible and loss has
If the complaint is not lodged within 30 days of been identified by the bank or internal or external
transaction, the customer is not entitled for any auditors or the RBI inspection and the loss has not been
compensation for delay in resolving his / her complaint. written off is regarded as loss asset.

What is the course of action for the customer if the DICGC (Deposit Insurance and Credit Guarantee
complaint is not addressed by his/her bank within the Corporation of India)
stipulated time / not addressed to his satisfaction?
[Link] customer can take recourse to the Banking 1. Which banks are insured by the DICGC?
Ombudsman, if the grievance is not redressed by the Commercial Banks: All commercial banks including branches
his/her card issuing bank. of foreign banks functioning in India, local area banks and
regional rural banks are insured by the DICGC.
NPA-Non-Performing Asset & SARFAESI
2. What does the DICGC insure?
It means once the borrower has failed to make interest or In the event of a bank failure, DICGC protects bank
principal payments for 90 days, the loan is considered to deposits that are payable in India. The DICGC insures all
be a non-performing asset. deposits such as savings, fixed, current, recurring, etc.
except the following types of deposits.
SARFAESI Act and Rules (i) Deposits of foreign Governments;
SARFAESI Act (The Securitization and Reconstruction of (ii) Deposits of Central/State Governments;
Financial Assets and Enforcement of Security Interest Act, (iii) Inter-bank deposits;
2002) was enacted to regulate securitization and (iv) Deposits of the State Land Development Banks with the
reconstruction of financial assets and enforcement of State co-operative bank;
security interest created in respect of Financial Assets to (v) Any amount due on account of any deposit received
enable realization of such assets. outside India
The SARFAESI Act provides for the manner for enforcement of (vi) Any amount, which has been specifically exempted by the
security interests by a secured creditor without the corporation with the previous approval of Reserve Bank of
intervention of a court or tribunal. If any borrower fails India.
to discharge his liability in repayment of any secured debt
within 60 days of notice from the date of notice by the 3. What is the maximum deposit amount insured by the
secured creditor, the secured creditor is conferred with DICGC?
powers under the SARFAESI Act to Each depositor in a bank is insured upto a maximum of
a) Takes possession of the secured assets of the borrower, Rs.1,00,000 (Rupees One Lakh) for both principal and
including transfer by way of lease,assignment or sale, for interest amount held by him in the same capacity.
realizing the secured assets
b) Takeover of the management of the business of the 4. Does the DICGC insure just the principal on an account
borrower including the right to transferby way of lease, or both principal and accrued interest?
assignment or sale for realizing the secured assets, The DICGC insures principal and interest upto a maximum
c) Appoint any person to manage the secured assets amount of Rs. One lakh.
possession of which is taken by thesecured creditor, and
d) Require any person, who has acquired any of the secured NEFT AND RTGS
assets from the borrower andfrom whom money is due to NEFT: National Electronic Funds Transfer (NEFT) is a nation-
wide payment system facilitating one-to-one funds transfer.

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Under this Scheme, individuals, firms and corporates can Rupees and vice versa, thereby minimizing the
electronically transfer funds from any bank branch to any transaction costs.
individual, firm or corporate having an account with any 3) All categories of foreign exchange earners, such as
other bank branch in the country participating in the individuals, companies, etc. who are resident in India, may
Scheme. open EEFC accounts.
4) An EEFC account can be held only in the form of a current
Limit using NEFT: account. No interest is payable on EEFC accounts.
There is no limit – either minimum or maximum – on the
amount of funds that could be transferred using NEFT. ACCOUNTS FOR NRI/PIO
However, maximum amount per transaction is limited to
Rs.50,000/- for cash-based remittances and remittances 1. Non-Resident Ordinary Rupee Account (NRO Account)
to Nepal.  NRO accounts may be opened / maintained in the form of
current, savings, recurring or fixed deposit accounts.
RTGS: Interest rates offered by banks on NRO deposits cannot
Real Time Gross Settlement, which can be defined as the be higher than those offered by them on comparable
continuous (real-time) settlement of funds transfers domestic rupee deposits.
individually on an order by order basis (without netting).  Account should be denominated in Indian Rupees.
'Real Time' means the processing of instructions at the  NRI/PIO may remit from the balances held in NRO account
time they are received rather than at some later time; an amount not exceeding USD one million per financial
'Gross Settlement' means the settlement of funds transfer year, subject to payment of applicable taxes.
instructions occurs individually (on an instruction by  The limit of USD 1 million per financial year includes sale
instruction basis). proceeds of immovable properties held by NRIs/PIOs.

Limit using RTGS:

The RTGS system is primarily meant for large value 2. Non-Resident (External) Rupee Account (NRE Account)
transactions. The minimum amount to be remitted  NRE account may be in the form of savings, current,
through RTGS is recurring or fixed deposit accounts.
Rs. 2 lakhs. There is no upper ceiling for RTGS  Account will be maintained in Indian Rupees.
transactions.  Accrued interest income and balances held in NRE
accounts are exempt from Income tax.
RTGS vs NEFT  Authorised dealers/authorised banks may at their
NEFT is an electronic fund transfer system that operates discretion allow for a period of not more than two weeks,
on a Deferred Net Settlement (DNS) basis which settles overdrawings in NRE savings bank accounts, up to a limit
transactions in batches. Contrary to this, in the RTGS of Rs.50,000.
transactions are processed continuously throughout the  Loans up to Rs.100 lakh can be extended against security
RTGS business hours. of funds held in NRE Account either to the depositors or
third parties.
Accounts for Foreign (Currency/Person) in India
a) NRO A/c (Foreign Tourist) 3. Foreign Currency Non Resident (Bank) Account –
FCNR (B) Account
1) Foreign tourists during their short visit to India can open  FCNR (B) accounts are only in the form of term depositsof
a Non-Resident (Ordinary) Rupee (NRO) account (Current 1 to 5 years
/ Savings) with any Authorised Dealer bank dealing in  Account can be in any freely convertible currency.
foreign exchange. Such account can be opened up to a  Loans up to Rs.100 lakh can be extended against security
maximum period of 6 months. of funds held in FCNR (B) deposit either to the depositors
2) Tourists can freely make local payments through the NRO or third parties.
account. All payments to residents exceeding INR 50,000  The interest rates are stipulated by the Department of
can be made only by means of cheques / pay orders / Banking Operations and Development, Reserve Bank of
demand drafts. India.

b) EEFC A/c NEGOTIABLE INSTRUMENTS & Cheques

1) Exchange Earners' Foreign Currency Account (EEFC) is
an account maintained in foreign currency with an According to section 13 of the Negotiable Instruments Act,
Authorised Dealer i.e. a bank dealing in foreignexchange. 1881, a negotiable instrument means “promissory note, bill of
2) It is a facility provided to the foreign exchange earners, exchange, or cheque, payable either to order or to bearer”.
including exporters, to credit 100 per cent of their foreign Cheque
exchange earnings to the account, so that the account It is an instrument in writing containing an unconditional
holders do not have to convert foreign exchange into order, addressed to a banker, sign by the person who has
deposited money with the banker, requiring him to pay on
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demand a certain sum of money only to or to the order of Parties of a Cheque:

certain person or to the bearer of instrument." There are three parties to the cheque
 Drawer or Maker
Types of Cheque  The bank - on whom the cheque is drawn (i.e. the bank
1. Bearer Cheque or open Cheque with whom the account is maintained by the drawer)
When the words "or bearer" appearing on the face of the  Payee – Payee is the person whose name is mentioned on
cheque are not cancelled, the cheque is called a bearer the cheque to whom or to whose order the money is
cheque. The bearer cheque is payable to the person directed to be paid.
specified therein or to any other else who presents it to the
bank for payment. BANKING OMBUDSMAN SCHEME 2006

2. Order Cheque 1. The Banking Ombudsman Scheme enables a bank

When the word "bearer" appearing on the face of a cheque customer for filing of complaints relating to certain
is cancelled and when in its place the word "or order" is services rendered by banks.
written on the face of the cheque, the cheque is called an 2. The Banking Ombudsman is a senior official appointed by
order cheque. Such a cheque is payable to the person the Reserve Bank of India to redress customer complaints
specified therein as the payee, or to any one else to whom against deficiency in certain banking services.
it is endorsed (transferred). 3. All Scheduled Commercial Banks, Regional Rural Banks
and Scheduled Primary Co-operative Banks are covered
3. Crossed Cheque under the Scheme.
Crossing of cheque means drawing two parallel lines on 4. The Banking Ombudsman does not charge any fee for
the face of the cheque with or without additional words filing and resolving customers’ complaints.
like "& CO." or "Account Payee" or "Not Negotiable". A 5. The maximum compensation which a BO can help a
crossed cheque cannot be encashed at the cash counter of complainant to get is Rs. 10 lakhs.
a bank but it can only be credited to the payee's account. 6. If a complaint is not settled by an agreement within a
period of one month, the Banking Ombudsman proceeds
4. Ante-Dated Cheque further to pass an award. Before passing an award, the
If a cheque bears a date earlier than the date on which it Banking Ombudsman provides reasonable opportunity to
is presented to the bank, it is called as "ante-dated the complainant and the bank, to present their case.
cheque". Such a cheque is valid upto 3 months from the 7. If one is not satisfied with the decision passed by the
date of the cheque. Banking Ombudsman, one can approach the appellate
authority who is the Deputy Governor of the RBI.
5. Post-Dated Cheque
If a cheque bears a date which is yet to come (future date) FINANCIAL INCLUSION
then it is known as post-dated cheque. A post dated
cheque cannot be honoured earlier than the date on the
Financial inclusion involves
cheque.
1. Give formal banking services to poor people in urban &
rural areas.
6. Stale Cheque 2. Promote habit of money-savings, insurance, pension-
If a cheque is presented for payment after 3 months from
investment among poor-people.
the date of the cheque it is called stale cheque. A stale
3. Help them get loans at reasonable rates from normal
cheque is not honoured by the bank.
banks. So they don’t become victims in the hands of local
moneylender.
7. A self cheque
A self cheque is written by the account holder as pay self Some Important initiatives for Financial Inclusion
to receive the money in the physical form from the branch
 Lead banking scheme (LBS).
where he holds his account.
 No frills account.
 BSBDA
8. “A truncated cheque” means a cheque which is truncated
 Business Correspondents (BC) system.
during the course of a clearing cycle, either by the clearing
 Swabhiman Campaign
house or by the bank whether paying or receiving
 PMJDY
payment, immediately on generationof an electronic
image for transmission, substituting t he further physical
Lead Bank Scheme
movement of the cheque in writing. The expression
 The Lead Bank Scheme, introduced towards the end of
“clearing house” means the clearinghouse managed by the
1969, envisages assignment of lead roles to individual
Reserve Bank of India or a clearing house recognised as
banks (both in public sector and private sector) for the
such by the Reserve Bank of India.’
districts allotted to them.
 A bank having a relatively large network of branches in the
rural areas of a given district and endowed with
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adequate financial and manpower resources has  Representative Money - is money that includes token
generally been entrusted with the lead responsibility for coins, or any other physical tokens like certificates, that
that district. Accordingly, all the districts in the country can be reliably exchanged for a fixed amount/quantity of a
have been allotted to various banks. commodity like gold or silver.
 The lead bank acts as a leader for coordinating the efforts  Fiat Money - Fiat money, also known as fiat currency is
of all credit institutions in the allotted districts. the money whose value is not derived from any intrinsic
value or any guarantee that it can be converted into
No Frill Account valuable commodity (like gold). Instead, it derives value
 'No Frills 'account is a basic banking account. Such account only based On government order (fiat)
requires either nil minimum balance or very low minimum  Commercial Bank Money - Commercial bank money or
balance. Charges applicable to such accounts are low. the demand deposits are claims against financial
 The RBI in 2005-06 called upon Indian banks to design a institutions which can be used for purchasing goods and
‘no frills account’ – a no precondition, low ‘minimum services.
balance maintenance’ account with simplified KYC (Know
Your Customer) norms. Reserve Money (M 0)
 But all the existing ‘No-frills’ accounts opened were Currency in circulation + Bankers‘ ‘deposits with the RBI +
converted into BSBDA in compliance with the guidelines ‘Other’ deposits with the RBI = Net RBI ‘credit to the
issued by RBI in 2012. Government + RBI credit to the commercial sector + RBI's
claims on banks + RBI's net is foreign assets + Govemment’s
BSBDA currency liabilities to the public - RBI's net non-monetary
In 2012, RBI introduced BSBDA. Some important points are: liabilities.
 This account shall not have the requirement of any
minimum balance. M1=Currency with the public + Demand deposits with the
 The services available in the account will include: deposit banking system + 'Other' deposits with the RBI
and withdrawal of cash at bank branch as well as ATMs; M2=M1 + Savings deposits of office savings banks.
receipt/credit of money through electronic payment M3=M1+ Time deposits with the banking system
channels or by means of deposit/collection of cheques = Net bank credit to the Government + Bank credit to the
drawn by Central/State Government agencies and Commercial sector + Net foreign assets of the banking sector
departments; + Goveinment’s currency liabilities to the public - Net non-
 While there will be no limit on the number of deposits that monetary liabilities of the banking sector.
can be made in a month, account holders will be allowed a M4=M3 +All deposits with post office savings banks
maximum of four withdrawals in a month, including ATM (excluding National Savings Certificates)
withdrawals.
 Facility of ATM card or ATM-cum-Debit Card. Note: Bhartiya Reserve Bank Note Mudran Private
Limited (BRBNMPL)
Business Correspondent The Reserve Bank established BRBNMPL in February 1995 as
 Business correspondents are bank representatives. They a wholly-owned subsidiary to augment the production of bank
personally go to the area allotted to them and carry out notes in India and to enable bridging of the gap betweensupply
banking. They help villagers to open bank accounts, in and demand for bank notes in the country.
banking transactions etc.
 Business Correspondents get commission from bank for FINANCIAL MARKET
every new account opened, every transaction made via Financial Market is where buyers and sellers participate in the
them, every loan-application processed etc. trade of assets such as equities, bonds, currencies and
derivatives.
Recently on Financial Inclusion
The Reserve Bank of India (RBI) has constituted a committee MONEY MARKET
with the objective of working out a medium-term (five-year)
measurable action plan for financial inclusion. The terms of
reference will include reviewing the existing policy of financial "Money Market" refers to the market for short-term
inclusion, including supportive payment system and customer requirement and deployment of funds. Money market
protection framework, taking into account the instruments are those instruments, which have a maturity
recommendations made by various committees set upearlier. period of less than one year.
The most active part of the money market is the market for
overnight call and term money between banks and institutions
TYPES OF MONEY
and repo transactions. Money Market is regulatedby RBI.
 Commodity Money - Commodity money value is derived
from the commodity out of which it is made. The Money Market can be further divided into 3 parts. These are:
commodity itself represents money, and the money is the a) Call Money Market
commodity.

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b) Term Money Market c) Any person in India including Individuals, Firms,

c) Notice Money Market Companies, Corporate bodies, Trusts and Institutions can
The market to get funds for 1 day only is called as Call Money purchase Treasury Bills.
Market. The market to get funds for 2 days to 14 days is called d) Treasury Bills are eligible securities for SLR purposes.
as Notice Money Market. The market to get funds for 15 days e) Treasury Bills are available for a minimum amount of Rs.
to 1 year is called as Term Money Market. 25,000 and in multiples of Rs. 25,000 thereafter.
f) At present, RBI issues T-Bills for three different
Some of the Money Market instruments are: maturities: 91 days, 182 days and 364 days.
1) Commercial Paper
2) Certificate of Deposit Cash Management Bills (CMBs)
3) T-bills a) Government of India, in consultation with the Reserve
4) Cash Management Bills Bank of India, has decided to issue a new short-term
instrument, known as Cash Management Bills (CMBs), to
Commercial Papers- meet the temporary mismatches in the cash flow of the
a) A CP is a short term security (7 days to 365 days) issued Government.
by a corporate entity (other than a bank), at a discount to b) The CMBs have the generic character of T-bills but are
the face value. issued for maturities less than 91 days.
b) Commercial Paper (CP) is an unsecured money market c) Like T-bills, they are also issued at a discount and
instrument issued in the form of a promissory note. redeemed at face value at maturity.
c) CPs normally give a higher return than fixed deposits & d) The tenure, notified amount and date of issue of the CMBs
CDs. depends upon the temporary cash requirement of the
d) CP can be issued in denominations of Rs. 5 lakh or Government.
multiples thereof. Amount invested by a single investor
should not be less than Rs. 5 lakh (face value). Capital Market-
e) Only corporates who get an investment grade rating can These are the financial market for buying and selling of
issue CPs, as per RBI rules. It is issued at a discount to face funds for long terms, these consists of Shares, Debentures,
value. equities etc.
f) Bank and FI’s are prohibited from issuance and Capital market is regulated by- SEBI (Securities and
underwriting of CP’s. Exchange Board of India)
Capital Market consists of two main blocks, they are-
Certificates of Deposit  Primary Market
a) CDs are negotiable money market instrument issued in  Secondary Market
demat form or as a Usance Promissory Notes.
b) CDs issued by banks should not have the maturity less Primary Market (New Issue Market)-
than seven days and not more than one year. It is a market where new securities are issued & traded.
c) Financial Institutions are allowed to issue CDs for a period Companies, governments and other groups obtain
between 1 year and up to 3 years. financing through debt or equity based securities.
d) CDs are like bank term deposits but unlike traditional time
deposits these are freely negotiable and are often referred Secondary Market-
to as Negotiable Certificates of Deposit. Secondary market is basically a reselling market , Here the
e) CDs normally give a higher return than Bank term deposit. stocks that are already sold in the primary market are
f) All scheduled banks (except RRBs and Co-operativebanks) resold mostly by the stockholders or companies to gain
are eligible to issue CDs. more returns.
g) CDs are issued in denominations of Rs. 1 Lac and in the
multiples of Rs. 1 Lac thereafter. Shares/Equities-
h) Discount/Coupon rate of CD is determined by the issuing Companies usually divide their capital into small parts of
bank/FI. equal value. This smallest part is known as a share.
i) Loans cannot be granted against CDs and Banks/FIs Companies usually issue shares in the public to raise
cannot buy back their own CDs before maturity capital. People who buy or are allotted shares are called
shareholders.
Treasury bills ACRONYMS CORNER-
a) Treasury Bills are short term (up to one year) borrowing SEBI- Securities and Exchange Board of India
instruments of the Government of India which enable IPO- Initial Public Offerings
investors to park their short term surplus funds while
reducing their market risk. PRIORITY SECTOR LENDING
b) They are auctioned by Reserve Bank of India at regular
intervals and issued at a discount to face value. Highlights of PSL
It means provide credit to the needy sectors of the society.
The sectors are:

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• Agriculture • Micro and Small Enterprises  Export credit will be allowed up to 32 percent of ANBC
• Education • Housing for Foreign banks with less than 20 branches in India.
• Export • Weaker Sections  For Education, banks can provide loans to individuals for
• Social Infrastructure • Renewable Energy educational purposes including vocational courses upto
Rs. 10 lakh for studies in India and Rs. 20 lakh for studies
Targets under PSL abroad.
• Agriculture: 18 percent of ANBC. Out of this 18 percent,  Limits under Social infrastructure Bank loans up to a
a target of 8 percent of ANBC is for Small and Marginal limit of ₹ 5 crore per borrower for building social
Farmers, to be achieved in a phased manner i.e., 7 per cent infrastructure for activities namely schools, health care
by March 2016 and 8 per cent by March 2017. facilities, drinking water facilities and sanitation facilities
• Weaker Sections: 10 percent of ANBC. in Tier II to Tier VI centres.
• Micro Enterprises: 7.5 percent of ANBC has been
prescribed for Micro Enterprises, to be achieved in a Monitoring of Priority Sector Lending targets
phased manner i.e. 7 percent by March 2016 and 7.5 To ensure continuous flow of credit to priority sector,
percent by March 2017. there will be more frequent monitoring of priority sector
• Overall PSL Target for Domestic Bank/Foreign Bank with lending compliance of banks on ‘quarterly’ basis instead of
more than 20 Branches: 40 percent of Adjusted Net Bank annual basis as of now.
Credit.
Non-achievement of Priority Sector targets
Categorization of MSME according to MSME ACT 2006 Scheduled Commercial Banks having any shortfall in
lending to priority sector shall be allocated amounts for
Manufacturing Sector (Goods) contribution to the Rural Infrastructure Development
Fund (RIDF) established with NABARD and other Funds
Enterprises Investment in plant and machinery with NABARD/NHB/SIDBI, as decided by the Reserve
Micro Does not exceed twenty five lakh rupees Bank from time to time.
Enterprises The interest rates on banks’ contribution to RIDF or any
Small More than twenty five lakh rupees but other Funds, tenure of deposits, etc. shall be fixed by
Enterprises does not exceed five crore rupees Reserve Bank of India from time to time.
Medium More than five crore rupees but does not
Enterprises exceed ten crore rupees Common guidelines for priority sector loans
Banks should comply with the following common
Service Sector guidelines for all categories of advances under the priority
sector.
Enterprises Investment in equipment 1. Rate of interest
Micro Enterprises Does not exceed ten lakh rupees The rates of interest on bank loans will be as per directives
Small Enterprises More than ten lakh rupees but does issued by our Department of Banking Regulation from
not exceed two crore rupees time to time.
Medium Enterprises More than two crore rupees but 2. Service charges
does not exceed five crore rupees No loan related and adhoc service charges/inspection
charges should be levied on priority sector loans up to Rs.
Other Targets under PSL 25,000.
 Farmers with landholding of up to 1 hectare are
considered as Marginal Farmers. Farmers with a REVERSE MORTGAGE LOAN
landholding of more than 1 hectare and upto 2 hectares The scheme of reverse mortgage has been introduced for the
are considered as Small Farmers. benefit of senior citizens owning a house but having
 Scheduled Commercial Banks having any shortfall in inadequate income to meet their needs. Some important
lending to priority sector shall be allocated amounts for features of reverse mortgage are:
contribution to the Rural Infrastructure Development a) A homeowner who is above 60 years of age is eligible for
Fund (RIDF) established with NABARD. reverse mortgage loan. It allows him to turn the equity in
 For Renewable Energy, bank loans up to a limit of Rs.15 his home into one lump sum or periodic payments
crore to borrowers for purposes like solar based power mutually agreed by the borrower and the banker.
generators, etc. For individual households, the loan limit b) NO REPAYMENT is required as long as the borrower lives,
will be Rs.10 lakh per borrower. Borrower should pay all taxes relating to the house and
 For Housing, banks can provide loans to individuals up to maintain the property as his primary residence.
Rs. 28 lakh in metropolitan centres (with population of ten c) The amount of loan is based on several factors:
lakh and above) and loans up to Rs. 20 lakh in other  Borrower’s age,
centres for purchase/construction of a dwelling unit per  Value of the property
family.  Current interest rates and

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 The specific plan chosen.

BANKING ABBREVIATIONS
As per the scheme formulated by National Housing Bank
(NHB), the maximum period of the loan period is 15 years. 1. PSBs: PUBLIC SECTOR BANKS
The residual life of the property should be at least 20 years. 2. SNBCs: SCHEDULE NON COMMERCIAL BANKS
Where the borrower lives longer than 15 years, periodic 3. SENSEX: SENSITIVE INDEX OF STOCK EXCHANGE
payments will not be made by lender. However, the borrower 4. GNP: GROSS NATIONAL PRODUCT
can continue to occupy. 5. KYC: KNOW YOUR CUSTOMER
6. RTGS: REAL TIME GROSS SETTLEMENT
BASEL-3 NORMS 7. NEFT: NATIONAL ELECTRONIC MONEY TRANSFER
8. EFT: ELECTRONIC FUND TRANSFER
a) The Basel Committee is the primary global standard- 9. CBS: CORE BANKING SOLUTIONS
setter for the prudential regulation of banks and provides 10. LIBOR: LONDON INTERBANK OFFERED RATE
a forum for cooperation on banking supervisory matters. 11. MIBOR: MUMBAI INTERBANK OFFERED RATE
Its mandate is to strengthen the regulation, supervision 12. MIBID: MUMBAI INTERBANK BID RATE
and practices of banks worldwide with the purpose of 13. SARFAESI: SECURITISATION AND RECONSTRUCTION OF
enhancing financial stability. Stefan Ingves, Governor of FINANCIAL ASSETS AND ENFORCEMENT OF SECURITY
Sveriges Riksbank (SWEDEN), is the Chairman of the Basel INTEREST
Committee. 14. CAMELS: CAPITAL ADEQUECY RATIO, ASSET QUALITY,
MANAGEMENT OF EFFECTIVENESS, EARNING OF
b) Basel III or Basel 3 released in December, 2010 is the third PROFITABILITY, LIQUIDITY, SYSTEM AND CONTROLS
in the series of Basel Accords. These accords deal with risk 15. CAR: CAPITAL ADEQUECY RATIO
management aspects for the banking sector. 16. FIIs: FOREIGN INSTITUTIONAL INVESTMENTS
17. FDI: FOREIGN DIRECT INVESTMENT
c) According to Basel Committee on Banking Supervision 18. IPO: INITIAL PUBLIC OFFERING
"Basel III is a comprehensive set of reform measures, 19. MICR: MAGNETIC INK CHARACTER READER
developed by the Basel Committee on Banking 20. BIRD: BANKERS INSTITUTE OF RURAL DEVELOPMENT
Supervision, to strengthen the regulation, supervision and 21. IBA: INDIAN BANK ASSOCIATION
risk management of the banking sector". 22. BPLR: BENCHMARK PRIME LENDING RATE
23. ICICI: INDUSTRIAL CREDIT AND INVESTMENT
d) Basel 3 measures aim to: CORPORATION OF INDIA
 Improve the banking sector's ability to absorb shocks 24. HDFC: HOUSING DEVELOPMENT FINANCE
arising from financial and economic stress, whatever the CORPORATION
source 25. SWOT: STRENGETH, WEEKNESSES, OPPORTUNITIES
 Improve risk management and governance AND THREATS
 Strengthen banks' transparency and disclosures. 26. SWIFT: SOCIETY FOR WORLDWIDE INTERBANK
FINANCIAL TELECOMMUNICATION
Three Pillars of Basel 3 27. FERA: FOREIGN EXCHANGE REGULATORY ACT
 Pillar 1: Minimum Regulatory Capital Requirements 28. FEMA: FOREIGN EXCHANGE MANAGEMENT ACT
based on Risk Weighted Assets (RWAs): 29. CASA: CURRENT AND SAVING ACCOUNT
Maintaining capital calculated through credit, market and 30. NDTL: NET DEMAND AND TIME LIABILITIES
operational risk areas (mainly that capital which can 31. NASDAQ: NATIONAL ASSOCIATION FOR SECURITIES
absorb risk.) DEALERS AUTOMATED QUOTATIONS
 Pillar 2: Supervisory Review Process: 32. CRISIL: CREDIT RATING AND INVESTMENT SERVICES
Regulating tools and frameworks for dealing with peripheral INDIA LIMITED
risks that bank face. 33. CIBIL: CREDIT INFORMATION BUREAU OF INDIA
 Pillar 3: Market Discipline: LIMITED
Increasing the disclosures that banks must provide to 34. NAV: NET ASSET VALUE
increase the transparency of banks 35. ICRA: INDIAN CREDIT RATING AGENCY
36. CARE: CREDIT ANALYSIS AND RESEARCH LIMITED
Important Facts related to BASEL 3 37. WMAs: WAYS AND MEANS ADVANCES
 Minimum Ratio of Total Capital To RWAs--10.50% 38. ALM: ASSET LIABILITY MANAGEMENT
 Minimum Ratio of Common Equity to RWAs--4.50% to 39. INFINET INDIAN FINANCIAL NETWORK
7.00% 40. OLTAS - On-line Tax Accounting System (OLTAS) for
 Tier I capital to RWAs--6.00% Direct Taxes
 Core Tier I capital to RWAs--5.00% 41. TIN - Tax Information Network (TIN)
 Capital Conservation Buffers to RWAs--2.50% 42. IMPS - Interbank Mobile Payment Service (IMPS) or
 Leverage Ratio--3.00% Immediate Payment Service
 Countercyclical Buffer--0% to 2.50% 43. CDR- Corporate Debt Restructuring

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44. CAD- Capital Account Deficit funds, which is in turn governed by the Securities and
45. REITs: Real Estate Investment Trusts Exchange Board of India.
46. InvITs: Infrastructure Investment Trusts  A diagrammatic representation to understand the Cycle”:
47. ALM- Asset Liability Management
48. ASBA: Application Supported by Blocked Amount
49. CBS: Core Banking Solution
50. PIN: Personal Identification Number
51. CCEA – Cabinet Committee on Economic Affairs
52. CECA - Comprehensive Economic Cooperation
Agreement
53. CEPA – Comprehensive Economic Partnership
Agreemeny
54. DTAA – Double Taxation Avoidance Agreement
55. ECBs - External Commercial Borrowings
56. EFSF – European Financial Stability Facility
57. FINO- Financial Inclusion Network Operation
58. FIPB – Foreign Investment Promotion board IMPORTANT BANKING TERMS
59. FSLRC – Financial Sector Legislative Reforms
Commission  Base Rate:-The Base Rate is the minimum interest rate of
60. CRAR: Capital to Risk-weighted Assets Ratio a Bank below which it cannot lend, except for DRI
61. LCR: Liquidity Coverage Ratio advances, loans to bank's own employees and loan to
62. TARC - Tax Administration Reform Commission banks' depositors against their own deposits. (i.e. cases
63. GIRO - Government Internal Revenue Order allowed by RBI).
64. FRBMA: Fiscal Responsibility and Budget Management  Bridge Loan:-A loan made by a bank for a short period to
Act make up for a temporary shortage of cash. Bridge loan
65. AMFI- Association of Mutual Fund in India. covers this period between the buying the new and
66. TIEA – Tax Information exchange Agreement disposing of the old one.
67. GAAR - General anti avoidance rule  Credit Authorization Scheme:-Credit Authorization
68. GSLV - Geo-Synchronous Launch Vehicle Scheme was introduced in November, 1965 when P C
69. PPP – Public Private Partnership & Purchasing Power Bhattacharya was the chairman of RBI. Under this
parity instrument of credit regulation RBI as per the guideline
70. PSLV – Polar Satellite Launch vehicle authorizes the banks to advance loans to desired sectors
71. TAPI - Turkmenistan-Afghanistan-Pakistan-India.  Open Market Operations:-An open market operation is
72. QFI -Qualified Foreign Investors an instrument of monetary policy which involves buying
73. AD-Authorized Dealer. or selling of government securities from or to the public
74. ASSOCHAM-Associated Chambers of Commerce and and banks.
Industry of India.  Moral Suasion:-Moral Suasion is just as a request by the
75. BCSBI-Banking Codes and Standards Board of India. RBI to the commercial banks to take so and so action and
76. BIS-Bank for International Settlements. measures in so and so trend of the economy. RBI may
77. CDS-Credit Default Swap. request commercial banks not to give loans for
78. CEPA-Comprehensive Economic Partnership unproductive purpose which does not add to economic
Management. growth but increases inflation.
79. FIMMDA-Fixed Income Money MARKETS and Derivatives  Special Drawing Rights (SDRs):-It is a reserve asset
Association. (known as ‘Paper Gold’) created within the framework of
80. FPI-Foreign Portfolio Investment. the International Monetary Fund in an attempt to increase
81. IBRD-International Bank For Reconstruction And international liquidity, and now forming a part of
Development. countries official forex reserves along with gold, reserve
82. UIDAI-Unique Identification Authority of India. positions in the IMF and convertible foreign currencies.
 Bouncing of a cheque: Where an account does not have
MUTUAL FUNDS sufficient balance to honour the cheque issued by the
 Mutual funds are investment avenues that pool the money customer, the cheque is returned by the bank with the
of several investors to invest in financial instruments such reason "funds insufficient" or "Exceeds arrangement".
as stocks, debentures etc. The profit earned on the This is known as 'Bouncing of a cheque'.
investments is distributed among the investors on the  Demat Account: The term "demat", in India, refers to a
basis of the units held by each ofthem. dematerialised account for individual Indian citizens to
 Due to a large pool of investors, the individual risk is trade in listed stocks or debentures.
spread. So individually you take on low risk.  Endorsement: When a Negotiable Instrument contains,
 The mutual funds in India are governed by Association of on the back of the instrument an endorsement, signed by
Mutual Funds in India, the umbrella body for mutual

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the holder or payee of an order instrument, transferring 2) What is Liquidity Adjustment Facility(LAF)?
the title to the other person, it is called endorsement. A tool used in monetary policy that allows banks to
 Merchant Banking : When a bank provides to a customer borrow money through repurchase agreements. This
various types of financial services like accepting bills arrangement allows banks to respond to liquidity
arising out of trade, arranging and providing pressures and is used by governments to assure basic
underwriting, new issues, providing advice, information stability in the financial markets.
or assistance on starting new business, acquisitions,
mergers and foreign exchange. 3) What is Bancassurance?
 Money Laundering The process of creating the It is the term used to describe the partnership or
appearance that large amounts of money obtained from relationship between a bank and an insurance company
serious crimes, such as drug trafficking or terrorist whereby the insurance company uses the bank sales
activity, originated from a legitimate source. channel in order to sell insurance products.
 Mortgage: Transfer of an interest in specific immovable
property for the purpose of offering a security for takinga 4) What is Balance of Trade?
loan or advance from another. It may be existing or future The value of a country’s exports minus the value of its
debt or performance of an agreement which may create imports. Unless specified as the balance of merchandise
monetary obligation for the transferor (mortgagor). trade, it normally incorporates trade in services,including
 GAAR: The full form of GAAR is : General Anti-Avoidance earnings (interest, dividends, etc.) on financial assets.
Rules. Tax Avoidance is an area of concern across the
world. The rules are framed in different countries to 5) What is Balance of Payments?
minimize such avoidance of tax. It is a set of general rules A list of all of a country’s international transactions for a
enacted so as to check the tax avoidance. given time period, usually one year. Payments into the
 BPLR: In banking parlance, the BPLR means the country (receipts) are entered as positive numbers,called
Benchmark Prime Lending Rate. However, with the credits; Payments out of the country (payments) are
introduction of Base Rate (explained below), BPLR has entered as negative numbers called debits. A single
now lost its importance and is made applicable normally numbers summarize all of a country’s international
only on the loans which have been sanctioned before the transactions: the balance of payments surplus.
introduction of Base Rate (i.e. July 2010).
 Prime Lending Rate (PLR): The rate at which banks lend 6) What is NOSTRO Account?
to their best (prime) customers. It is usually less than A Nostro account is maintained by an Indian Bank in the
normal interest rate. foreign countries.
 Wholesale Banking: Wholesale banking is different from
Retail Banking as its focus is on providing for financial 7) What is VOSTRO Account?
needs of industry and institutional clients. A Vostro account is maintained by a foreign bank in India
 Capital Adequacy Ratio (CAR):- Capital adequacy ratio with their corresponding bank.
measures the amount of a bank’s capital expressed as a
percentage of its credit exposure. Globally, the capital 8) What is IMPS?
adequacy ratio has been developed to ensure banks can Immediate Payment Service. It is an instant interbank
absorb a reasonable level of losses before becoming electronic fund transfer service through mobile phones.
insolvent. Indian banks are expected to maintain a Both the customers must have MMID (Mobile Money
minimum capital adequacy ratio of 9 per cent (Rs 9 as Identifier Number). For this service, we don’t need any
capital for every Rs 100 in loan or asset) GPS-enabled cell phones.
 Asset – Liability Mismatch:-In finance, an assets
liabilities asset–liability mismatch occurs when the 9) What is BCBS?
financial terms of an institution's and do not correspond. Basel Committee on Banking Supervision is an institution
created by the Central Bank governors of the Group of Ten
IMPORTANT BANKING CONCEPTS nations.

1) What is Asset Management Companies? 10) What is LIBOR?

A company that invests its clients' pooled fund into London InterBank Offered Rate. An interest rate at which
securities that match its declared financial objectives. banks can borrow funds, in marketable size, from other
Asset management companies provide investors with banks in the London interbank market.
more diversification and investing options than they
would have by themselves. Mutual funds, hedge fundsand 11) What is STRIPS?
pension plans are all run by asset management companies. Separate Trading for Registered Interest & Principal
These companies earn income by chargingservice fees to Securities.
their clients.
12) What is KYC?

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KYC is an acronym for “Know your Customer”, a term

used for customer identification process. It involves Q18) What is “Money Laundering”?
making reasonable efforts to determine true identity and Ans. The process of converting illegal money into legal money
beneficial ownership of accounts, source of funds, the is Money Laundering. According to Section 3 of the
nature of customer’s business, reasonableness of Prevention of Money laundering Act 2002 as: “Whosoever
operations in the account in relation to the customer’s directly or indirectly attempts to indulge or knowingly
business, etc which in turn helps the banks to manage their assists or is involved in any process or activity connected
risks prudently. The objective of the KYC guidelines is to with the proceeds of crime and is projecting it as the
prevent banks being used, intentionally or unintentionally untainted property shall be guilty of the offence of money
by criminal elements for money laundering. laundering”.
KYC has two components - Identity and Address. While
identity remains the same, the address may change and Q19) What do you mean by narrow banking?
hence the banks are required to periodically update their It is the system of banking under which the bank accepts
records. deposits from the public and places the funds accepted in
100 percent risk free assets with maturity matching for its
13) What do you mean by term “CASA” related to bank? liabilities. The bank takes no risk of lending at all.
CASA stands for Current Account Savings Account. The
CASA ratio shows how much deposit a bank has in the IMPORTANT CODES USED IN BANKING
form of current and saving account deposits in the total
deposit. A higher CASA ratio means better operating [1] IFSC (Indian Financial System Code):
efficiency of the bank because on current account there is Indian Financial System Code is an alpha-numeric code
no interest payable whereas on savings account a tiny that uniquely identifies a bank-branch participating in
3.5% interest is payable by the bank. CASA ratio shows the NEFT system.
how much of the deposit of the bank comes from the This is an 11 digit code with the first 4 alpha characters
current and savings deposit. representing the bank, The 5th character
is 0 (zero).and the last 6 characters representing the
14) We hear regularly that all bank branches are turning bank branch.
CBS. What is CBS? For ex: PNBN0014976 :
CBS stands for CORE banking solutions under which the i. First 4 character PNBN – refers to Punjab National
branches of the banks are interconnected with each other Bank.
through intra net with a central database server. Now, ii. 0 is a control number.
with this facility, a person having an account in a certain iii. last six characters (014976) represents the PNB
branch of the bank can operate from any other branch of branch kurshi Road, Lucknow.
the same bank. He need not visit the same branch to
operate his account. The CORE word in CBS stands for [2] MICR – Magnetic ink character Recognition :-
Centralized Online Realtime Exchange. MICR is 9 digit numeric code that uniquely identifies a
bank branch participating in electronic clearing scheme.
Q15) What is Inflation? Used to identify the location of a bank branch.
Ans. The rise in the prices of goods or service in an economy City (3) Bank (3) Branch (3)
over a certain period of time is known as inflation. The MICR code is allotted to a bank branch is printed on
the MICR band of cheques. MICR used for electronic
Q16) Name the types of “Inflation”? credit system.
 Wage inflation
 Price power inflation [3] SWIFT Code :-
 Cost-push inflation Society for Worldwide Interbank financial tele-
 Sectorial inflation communication
 Stagflation India was 74th Nation to join SWIFT Network.
 Mild inflation SWIFT Code is a standard format of bank Identifiercode.
 Hyper-inflation This code is used particularly in International transfer of
money between banks.
Q17) What are the effects of “Inflation”? A majority of FOREX related message are sent to
Ans. Following are the effect of inflation:- correspondent banks abroad through SWIFT.
 It decreases the real value of money SWIFT Code consist 8 or 11 character when code is 8
 It discourage investment and savings digit,
 It leads to shortage of goods It is referred to primary office
 Mitigate economic recessions 4 – bank code
 Reduces the level of debt 2 – country code
2 – location code
3 – branch code (optional)

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26. Indian Bank :- Taking Banking Technology to Common

Headquarters of NATIONALIZED BANKS Man; Your Tech-friendly bank.
27. Royal Bank of Scotland :- Make it happen.
 Allahabad Bank-Kolkata 28. JPMorgan Chase Bank :- The right relationship is
 Bank of India -Mumbai everything
 Bank of Maharashtra -Pune 29. Indian Overseas Bank :-- Good people to grow with.
 Canara Bank -Bangalore 30. ICICI Bank - Khayaal Apka; Hum hai na.
31. Federal Bank :- Your Perfect Banking Partner
 Central Bank of India -Mumbai
32. Oriental Bank of Commerce (OBC) :-- Where every
 Corporation Bank -Mangalore
individual is committed.
 Dena Bank -Mumbai
33. Syndicate Bank :- Your faithful & friendly financial
 Indian Bank- Chennai
partner
 Indian Overseas Bank- Chennai 34. UCO Bank :- Honours Your Trust.
 Oriental Bank of Commerce- New Delhi 35. Bhartiya Mahila Bank :- Empowering Women.
 Punjab National Bank- New Delhi 36. BNP Paribas :- The bank for a changingworld.
 Punjab & Sind Bank- New Delhi 37. Barclays Bank :-Fluent in finance.
 State Bank of India- Mumbai 38. South Indian Bank :- Experience Next Generation Banking
 Syndicate Bank- Manipal 39. Union Bank of India :- Good People to Bank with.
 UCO -Bank Kolkata 40. The Economic Times :- Knowledge is Power
 Union Bank of India- Mumbai 41. Deutsche Bank - A passion to perform
 United Bank of India- Kolkata 42. Vijaya Bank :- A Friend You can Bank Upon.
 Vijaya Bank- Bangalore 43. J & K Bank :- Serving to Empower.
 Andhra Bank- Hyderabad 44. Karur Vysya Bank :- Smart way to Bank.
 Bank of Baroda- Vadodra 45. Punjab and Sindh Bank :- Where series is a way of life
46. Scotia Bank :- You’re richer than you think.
Taglines of Banks 47. Syndicate Bank :- Your Faithful And Friendly Financial
Partner
48. Lakshmi Vilas Bank :- The Changing Face of Prosperity.
1. State Bank of India (Group) :-
49. IndusInd Bank - We Care... Dil Se; We Make You Feel
Pure banking nothing else ; With you all the way; The
Richer.
Nation banks on us; A Bank to the common man; A banker
50. State Bank of Mysore :- Working for a better tomorrow.
to every Indian.
51. State Bank of Patiala :- Blending Modernity with
2. IDBI Bank:- Banking for All; Aao Sochein Bada.
Tradition.
3. Bank of Baroda:-- India’s international bank.
52. State Bank of Travancore :- A Long Tradition of Trust.
4. United Bank of India:- The Bank that begins with U.
53. State Bank of Hyderabad :- You can always bank on us.
5. Punjab National Ban :- A Name you can Bank Upon
6. Allahabad Bank :- A tradition of trust.
7. Yes Bank:- Experience our expertise. FINANCIAL REGULATORS
8. Axis Bank :- Badhti ka nam zindagi.
9. Citi Bank :- Let's get it done. Chit Funds Respective State
10. Standard Chartered Bank - Your Right Partner. Governments
11. Andhra Bank :- Where India Banks Insurance companies IRDA
12. Bank of India:- Relationships beyond banking. Housing Finance NHB
13. Bank of Rajasthan:- Together we Prosper
14. Bank of Maharashtra:-- One family one bank.
Companies
15. Canara Bank:- Together We Can ; It’s easy to change for Venture Capital Fund SEBI
those who you love Merchant Banking SEBI
16. Central Bank of India:- Build A Better Life Around Us; companies
Central to you since 1911. Stock broking SEBI
17. Corporation Bank:- Prosperity for All. companies
18. Dena Bank :-- Trusted Family Bank.
19. Andhra Bank:- Much more to do; With You in focus.
Nidhi Companies Ministry of corporate
20. Allahabad Bank :- A tradition of trust affairs, Government of
21. DBS Bank :- Living, Breathing Asia India
22. American Express Bank:- Do more
23. Indian Bank :-- Your tech friendly bank. TYPES OF BANKING
24. HSBC Bank - The World's local bank.  Para banking- When Bank provides banking services
25. HDFC Bank :- We Understand Your World. except the general banking facility.

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 Narrow Banking- When banks invest its money in Securities and Exchange Board of India (SEBI)
government securities instead investing in market toavoid  It is the regulator for the securities market in India. SEBI
risk. was initially established as a non statutory body in April
 Offshore Banking- Bank which accept currency of all 1988, to regulate the working of stock exchange. Later it
countries. was given a statutory status on April 1992 via SEBI Act,
 Green banking- Promoting environmental-friendly 1992 with the following objectives.
practices and reducing your carbon footprint from your  Chairman- UK Sinha
banking activities.  Head Quarters : Mumbai
 Retail Banking- Retail banking refers to the division of a
bank that deals directly with retail customers. Also known REGIONAL RURAL BANK (RRB):
as consumer banking or personal banking, retail banking is  Regional Rural Bank Were Set Up By An Ordinance In
the visible face of banking to the general public. 1975, Later Replaced By Rrbs Act, 1976 As Pre Banking
 Wholesale banking-Wholesale banking is the provision Commission Recommendation In 1975.
of services by banks to organisations such as Mortgage  Father Of Rrb Is [Link].
Brokers, large corporate clients, mid-sized companies, real  The Govt. Of India Had Appointed A Working Group On
estate developers and investors, international trade finance Rural Banks Under The Chairmanship Of Mr. M.
businesses, institutional customers (such as pension funds Narasimham In 1975. First Rrbs Were Set Up On 2nd Oct.
and government entities/agencies), and services offered to  Share Holder Contribution In %: Government Of India50%
other banks or other financial institutions. Sponsor Bank 35% State Government 15% Total100%.

FINANCIAL INSTITUTIONS EXIM BANK:

National Bank for Agriculture and Rural Development  The Export-Import (EXIM) Bank of India is the principal
(NABARD) : financial institution in India for coordinating the working
 Established on 12th July 1982 on the recommendation of of institutions engaged in financing export and import
CRAFICARD committee (also called as Sivaraman trade.
Comittee)  It is a statutory corporation wholly owned by the
 For Agricultural finance, NABARD is the apexorganization. Government of India.
 Chairman : Dr. Harsha Kumar Bhanwala  It was established on January 1, 1982 for the purpose of
 Head Quarters : Mumbai financing, facilitating and promoting foreign trade of India.
 It assists Cooperative Banks, RRBs, Land Development  Chairman- Yaduvendra Mathur
Banks & Scheduled Commercial banks in lending to  Head Quarters : Mumbai
farmers, rural artisans and other nonfarmers in rural
areas and to the State Governments for minor irrigation. NATIONAL HOUSING BANK(NHB):
 Rural Infrastructure Development Fund (RIDF) is  The National Housing Bank (NHB), the apex institution of
operated by NABARD, instead in April 1995. housing finance in India, was set up as wholly owned
 NABARD is the "Micro-Finance Regulatory Authority" subsidiary of the Reserve Bank of India.
 The bank started its operations from July 1988.
Small Industries Development Bank of India (SIDBI)  NHB is a subsidiary bank of Reserve Bank of India.
 Small Industries Development Bank of India (SIDBI in  National Housing Bank was established under section 6
short) was established in the year 1990 (Date : 2nd April of National Housing Bank Act(1987).
1990) under the Small Industries Development Bank of  The headquarters of NHB is in New Delhi.
India Act 1989 as a subsidiary of Industrial Development  Chairman: Shri Sriram Kalyanaraman
Bank of India.
 It is the principal financial institution for promotion, ECGC
financing and development of small, tiny and cottage  Export Credit Guarantee Corporation of India. This
sector. organisation provides risk as well as insurance cover to
 Chairman- Dr. Kshatrapati Shivaji the Indian exporters.
 Head Quarters : Lucknow  Chairman- Geetha Muralidhar
 Head Quarters : Mumbai

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COMPUTER AWARENESS
Zombie - A computer that has been hijacked by a cracker calculations and operations on it and generates the
without the owner’s knowledge and used to perform desired Output.
malicious tasks on the Internet.  The device which is used with a computer to display or
 A Computer is a general purpose device that can be store data is called Peripherals.
programmed to carry out a set of arithmetic or logical  The mechanical, magnetic, electronic and electrical
operations automatically. Since a sequence of operations components that comprises a computer system such as
can be readily changed, the computer can solve more the Central Processing Unit (CPU), monitor, keyboard,
than one kind of problem. etc. is known as Hardware.
 A general purpose computer has four main components:  A set of instructions that tells the computer about the
the arithmetic logic unit (ALU), the control unit, the tasks to be performed and how these tasks are to
memory, and the input and output devices (collectively performed, is known as Software.
termed I/O).  An unprocessed collection or representation of raw facts
 The data that is fed into a computer processor received represented in a manner suitable for communication,
into the computer by a keyboard or other sources is interpretation or processing by humans or by automatic
called Input. means, is known as Data.
 A computer is an electronic device that accepts datafrom
the user (input), processes the data by performing

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 The result of processing, manipulating and organising manipulation and to keep track of what is currently
data in a way that adds to the knowledge of the person being processed.
receiving it, is known as Information.  RAM is referred to as volatile memory and is lost when
 The smallest unit of information, a computer can the power is turned off.
understand and process, is known as Bit.  It allows reading and writing.
 The primary goal of computer is to process information  The two main types of RAM are static RAM and dynamic
that it receives and output the results. The process of RAM.
control and alter information is known as Processing.  SRAM retains data as long as power is provided to the
 The number system computer used to store data and memory chip and need not be refreshed periodically.
perform calculation - Binary Number System. SRAM stands for Static Random Access Memory.
 Computer Speed, Accuracy, Diligence, Storage
Capability, Automation, Remembrance Power and  The data on DRAM continues to move in and out of the
Versatility are the main Characteristics of Computer. memory as long as power is available and must be
 Self Intelligence, Decision-Making power, Learning continually refreshed to maintain the data. DRAM
power, Self care, Feelings are the Limitations of stands for Dynamic Random Access Memory.
Computer.  Primary memory is computer memory that a
 A mainframe computer is a much larger computer processor or computer accesses first or directly.
that typically fills a room and may cost many hundreds  For example: RAM, and Cache Memory.
or thousands of times as much as a personal computer.  Secondary memory (or secondary storage) is the
They are designed to perform large numbers of slowest and cheapest form of memory. It cannot be
calculations for governments and large enterprises. processed directly by the CPU.
 Read-only memory (ROM) is a storage medium used  Secondary memory devices include magnetic disks like
in computers and other electronic devices. Data stored hard drives and floppy disks, optical disks such as CDs
in ROM can only be modified slowly or with difficulty, and CDROMs, and magnetic tapes, which were the first
or not at all. forms of secondary memory.
 ROM is non-volatile and the contents are retained even  Virtual memory is memory on the hard disk that the
after the power is switched off. CPU uses as an extended RAM.
 It only allows reading.  Installation is the process of copying software
 The types of ROM include PROM, EPROM and EEPROM. programs from secondary storage media to the hard
 Random Access Memory (RAM),allows the computer disk.
to store data for immediate for immediate  A central computer that holds collections of data and
programs for many PCs, workstations and other
computers is a Server.

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 An Arithmetic Logic Unit (ALU) is a digital circuit  A Mouse is the most popular input device which is
that performs integer arithmetic and logical used today for interactive processing and for the one
operations. The ALU is a fundamental building block of line entry of data for batch processing.
the central processing unit of a computer.  Drag and Drop refers to the action of clicking and
 Control Unit is responsible for controlling the overall holding down the mouse button, while moving the
operations of computer. It coordinates the sequence of mouse and then releasing the mouse button.
execution of instructions and controls the overall  The first computer mouse was invented by Douglas
functioning of the computer. Engelbart.
 The first computer architecture was introduced by  Joystick is the device that moves in all directions and
John Von Neumann (1970) controls the movement of a pointer.
 Personal computers use a number of chips mounted on  A Touch Screen is a type of display screen device that
a main circuit board called Motherboard. is placed on the computer monitor to allow direct
 The CPU is fabricated as a single Integrated Circuit (IC) selection or activation of the computer when the user
chip. It is also known as the Microprocessor. touches the screen.
 Multiprocessing is the use of two or more central  Light Pen is the pen shaped device, which can sense
processing units (CPUs) within a single computer light and is used to point at spots on a video screen.
system. The term also refers to the ability of a system to  A technology enables a high-speed reading of large
support more than one processor and/or the ability to quantities of data and transferring these data to the
allocate tasks between them. computer without using a keyboard. It is referred as
 The organization and interconnection of the various Optical Mark Reader (OMR).
components of a computer system is known as  It uses a beam of light that is reflected on the paper with
Computer Architecture. marks, to capture presence and absence of marks.
 A CPU can directly understand the Machine Language.  MICR reads the characters by examining their shapes
 An input device is any peripheral (piece of computer in a matrix form and the information is then passed
hardware equipment) used to provide data and control `on to the computer. MICR stands for Magnetic Ink
signals to a computer. They are the devicesthat feed Character Reader.
data into a computer.  It provides a high level of security and is thereforeused
 Examples of input devices include keyboards, mouse, by the banking industry for faster processing of the
scanners, digital cameras and joysticks. cheques
 The keys include the letter keys (0, 1, 2, ..., 9; A, B, Z),  It is a machine readable code, which is represented by
which are generally laid out in the same style as in parallel vertical lines with varying widths. For reading
typewriters are known as Alphanumeric Keys. these bar-coded data, a device is used, which is known
 'Caps lock' and 'Num lock' keys are called as Toggle as a Bar Code Reader (BCR)
Keys because when pressed, they change their status  Optical Character Recognition (OCR) is used to scan
from one state to another. the document containing text.
 Numeric Keypad is a keypad located on the right hand  It is the mechanical or electronic conversion of scanned
side of the keyboard. It consists of digits and or photographed images of typewritten or printed text
mathematical operators. into machine-encoded/computer- readable text.
 A Modifier key is a special key (or combination) on a  A keyboard is a typewriter-style device, which uses an
computer keyboard that temporarily modifies the arrangement of buttons or keys, to act as mechanical
normal action of another key when pressed together. By levers or electronic switches.
themselves, modifier keys usually do nothing; that is,  Most of the commonly available personal computers
pressing any of the Shift, Alt, or Ctrl keys alone does not have a keyboard, popularly known as Qwerty.
(generally) trigger any action from the computer.  The keys labeled Fl to F12 on the keyboard are called
Function Keys.

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 An output device is any piece of computer hardware  One or more defects or problems that prevent the
equipment used to communicate the results of data software from working as intended of working at all
processing carried out by an information processing are called Bug.
system (such as a computer) which converts the  Software that contributes to the control and
electronically generated information into human- performance of the computer system and permits the
readable form user to use the system more conveniently is termed as
 The printed form of output is referred as Hard Copy. System Software.
 The form of output displayed on the screen is referred  Antivirus Software is used to scan the hard disk to
as Soft Copy. remove the virus from them.
 The device that prints information from the computer  The assembly language program is translated into
onto the paper is Printer. machine code by a separate program known as an
 Pages Per Minute (PPM) is the unit used to count the Assembler.
speed of the printer.  A Backup, or the process of backing up, refers to the
 On the basis of technology, printers are categorized into copying and archiving of computer data so it may be
Impact and Non- Impact Printers. used to restore the original after a data loss event. It
 Impact printers create an image by using some contains a copy of every program data and system file
mechanism to physically press an inked ribbon against on a computer.
the page, causing the ink to be deposited on the page in  An Operating System controls the way in which the
the shape desired. computer system functions and provides a means by
 Examples of Impact Printers are Character Printers which users can interact with the computer.
and Dot Matrix Printers.  Loading of the Operating System is known as Booting.
 Non – Impact Printers do not touch the paper when Restarting a computerthat is already on, is referred to
creating an image. as Warm Booting.
 Examples of Non - Impact Printers are Inkjet  Basic Input – Output System (BIOS) is the part of
printers, Laser printers, Solid ink printers, Dye- operating system that manages the essential
sublimation, Thermal wax printers, Thermal auto peripherals such as the keyboard, screen, disk drives
chrome printers. and parallel and serial ports.
 A pen based output device, attached to a computer for  An Integrated Software is a single application that
making vector graphics, that is, images created by a combines major features of several types of application.
series of many straight lines is known as Plotters.  An Application Software is the program that makes
 The number of pixels displayed on a screen is known the computer useful to the users.
as Resolution.  Computer hardware is the collection of physical
 A Monitor is a TV-like display attached to the computer elements that constitutes a computer system.
on which the output can be displayed and viewed. It can  Computer hardware refers to the physical parts or
either be a monochrome display or a colour display. components of a computer such as the monitor, mouse,
 The set of instructions, which control the sequence of keyboard, computer data storage, hard drive disk
operations, are known as Program. Itis a sequence of (HDD), system unit (graphic cards, sound cards,
instructions, written to perform a specified task with a memory, motherboard and chips), etc. all of which are
computer. physical objects that can be touched.
 A Software instructs the computer what to do and how  The motherboard is the main component of computer.
to do it. It is a set of instructions that tells the computer It is a large rectangular board with integrated circuitry
that connects the other parts of the computer including
about the tasks to be performed and how these tasks
the CPU, the RAM, the disk drives (CD, DVD, hard disk,
are to performed. or any others) as well as any peripherals connected via
the ports or the expansion slots.

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 Memory Units:  BCD is a method that represents the decimal digits with
the help of binary digits. It takes advantage that one
4 bit 1 nibble decimal numeral can be represented by 4-bit pattern.
8 bit 1 byte BCD stands for Binary Coded Decimal
1024 B 1 KB (Kilo Byte)  This coding system is used to represent the interval
1024 KB 1 MB (Mega Byte) storage area of the computers. In this system, every
1024 MB 1 GB (Giga Byte) character is represented by a combination of bits. Binary
1024 GB 1 TB (Tera Byte) Coding System
1024 TB 1 PB (Peta Byte)  The Base or Radix of the decimal number system is 10
1024 PB 1 XB (Exa Byte)  The standard code the computer industry created to
1024 XB 1 ZB (Zeta Byte) represent characters - American Standard Code for
1024 ZB 1 YB (Yota Byte) Information Interchange (ASCII)
ASCII is a code used for standardizing the storage and
 bit (b) transfer of information amongst various computing
 Byte (B) devices.
 The number system, the modern computers are operated  It is required for representing more than 64 characters.
- Binary Number System(0's and 1's) At present, the mostly used coding systems are ASCII and
 Name the most significant bit, which represent 1 and 0 EBCDIC
for a positive number and negative number, respectively  The code is also known as Reflected Code - Gray Code
- Sign Bit
 Which coding scheme represents data in a binary form in Number System
the computer system? ASCII, EBCDIC and Unicode are the
most commonly used codes under this scheme - Binary Decimal, Binary, Octal and Hexadecimal Equivalents
Coding Scheme Decimal Binary Octal Hexadecimal
 EBCDIC is a 8-Bit code with 256 different 0 0000 000 0
representations of characters. It is mainly used in 1 0001 001 1
mainframe computers. 2 0010 002 2
 EBCDIC stands for - Extended Binary Coded Decimal 3 0011 003 3
Interchange Code 4 0100 004 4
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5 0101 005 5 Ctrl + Z Undo the last action

6 0110 006 6 Ctrl + Y Redo the last action
7 0111 007 7
8 1000 010 8  To create a document, we use New command at the
9 1001 011 9 menu.
10 1010 012 A  Save as is used to save a document for the first time. It is
11 1011 013 B also used to change the destination of the saved file in
12 1100 014 C the computer.
13 1101 015 D  Print Preview is used to see the document before the
14 1110 016 E printout is taken.
15 1111 017 F  Cut and Paste options are used to move the data from

one part of the document to another.

MICROSOFT OFFICE

 Microsoft Office is an office suite of desktop Control Keys + Function keys

applications, servers and services for the Microsoft Ctrl+F2 Choose the print preview
Windows and OS X operating systems. It was first command (Microsoft office Button)
announced by Bill Gates of Microsoft on August 1, 1988 Ctrl+F3 Cut on the spike
at COMDEX in Las Vegas. Ctrl+F4 Close the window
 MS office primarily includes Word, Excel, PowerPoint, Ctrl+F6 Go to the next window
Access and Outlook. It also includes OneNote, Groove,
Ctrl+F9 Insert an empty field
InfoPath and Publisher.
Ctrl+F10 Maximise the document window
Ctrl+F11 Lock a field
MS WORD Ctrl+F12 Choose the Open command
 Microsoft Word is a word processor developed by (Microsoft Office Button)
Microsoft.
 It is used for creating, editing, formatting, storing,  Portrait and Landscape options are available in
retrieving and printing of a text document. Orientation category of Page Setup.
 Microsoft Word's native file formats are denoted either  Alignment refers to the position of text between the
by a .doc or .docx file extension. margins.
 A Cursor is an indicator used to show the position on a  Auto complete is a feature in word that automatically
computer monitor or other display device that will completes the spelling of days of the week and monthsof
respond to input from a text input or pointing device. the year that have more than five letters in their names.
Basic Keys (Common Tasks)
Ctrl + Shift + Create a non breaking space
Spacebar Function Keys
Ctrl + B Make letters bold F1 Get help or visit Microsoft office Online.
Ctrl + I Make letters italic F2 Move text or graphic.
Ctrl + U Make letters underline F4 Repeat the last action
Ctrl + Shift+ < Decrease font size one value F5 Choose the Go To command (Home tab).
Ctrl + Shift + > Increase the font size one value F6 Go to the nest pane or frame.
Ctrl + [ Increase the font size by 1 point F7 Choose the spelling command (Review tab)
Ctrl + ] Decrease the font size by 1 point F8 Extend a selection
Ctrl + Spacebar Remove paragraph or character F9 Update the selected fields
formatting. F10 Show key tips
Ctrl + C Copy the selected text or object F11 Go to the nest field
Ctrl + X Cut the selected text or object F12 Choose the Save As command (Microsoft
Ctrl + V Paste text or an object Office Button).
Ctrl + Alt + V Paste special
Ctrl + Shift + V Paste formatting only
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 Header and Footer option is used to display  Sheet tab is the tab at the bottom of the worksheet
information such as title and page number of the window that displays the name of the worksheet.
document.  A Microsoft office document that contains one or more
 The bar at the top of the window that bears the name of worksheets is known as a Workbook.
the window, is known as Title Bar.
 A screen element of MS Word that is usually located Shortcut Keys of MS-Excel
below the title bar that provides categorisedoption, is Key Description
called Menu Bar. F2 Edit the selected cell
 Auto Correct in word automatically corrects certain F5 Go to a specific cell
spelling, typing, capitalisation or grammar errors. F7 Spell check selected text and/or document
 Thesaurus is used for finding a synonym for a word in F11 Create chart
the document. Ctrl + Shift Enter the current time
 Word has extensive lists of bullets and numbering +;
features used for tables, lists, pages, chapters, headers, Ctrl + ; Enter the current date
footnotes, and tables of content. Shift + F3 Open the Excel formula window
Shift + F5 Bring up search box.
MS EXCEL Ctrl + A Select all contents of the worksheet
Ctrl + B Bold highlighted selection
 Microsoft Excel is a spreadsheet application developed Ctrl + I Italic highlighted selection
by Microsoft for Microsoft Windows and Mac OS. Ctrl + U Underline highlighted selection
 It features calculation, graphing tools, pivot tables, and Ctrl + P Bring up the print dialog box to begin
a macro programming language called Visual Basic for printing
Applications. Ctrl + Z Undo last action
 The intersection of a row and column is called a Cell. Ctrl + F9 Minimise current workbook
 The cell in which we are currently working is known as Ctrl + F10 Maximise currently selected workbook
Active Cell. Ctrl + F6 Switch between open workbooks/window
 Microsoft Excel's native file formats are denoted either Ctrl + page Move between Excel worksheet in the
by a .xls or .xlsx file extension. up same Excel document.
 A Worksheet is made of columns and rows, wherein Ctrl + Page Move between Excel worksheets in the
columns run Vertically and rows run Horizontally. Down same Excel document
 Up to Excel 2003, the standard amount of columns has Ctrl + Tab Move between two or more open Excel
been 256 and 65,536 rows. files
 Excel 2007 onwards, the maximum number of rows per Alt + = Create a formula to sum all of the above
worksheet increased to 1,048,576 and the number of cells
columns increased to 16,384. Ctrl + ’ Insert the value of the above cell
 Microsoft Excel has the basic features of all into cell currently selected.
spreadsheets, using a grid of cells arranged in numbered Ctrl + Move to next section to text
rows and letter-named columns to organize data Arrow key
manipulations like arithmetic operations Ctrl + Select entire column
 The letter and number of the intersecting column and Space
row is the Cell Address. Shift + Select entire row
 Short cut key to insert a new worksheet in MS-Excel is Space
ALT + Shift + F1 + or F11.

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PRACTICE PAPER 1: RBI ASSISTANT 2017

REASONING APTITUDE

Directions (1-5): Study the following information carefully (a) South-west (b) South-east (c) North-east
and answer the given questions. (d) South (e) North
Seven persons i.e. P, M, O, S, N, R and Q are living in a seven 9. In a class six students M, N, O, P, Q and R are the top six
storey building. Ground floor is numbered as 1 st floor and Top Rank holders, not necessarily in the same order. O did not
floor is numbered as 7 th floor also they like different get the 4th rank. M’s rank is higher than R’s and O’s but
celebrities i.e. Amitabh, Salman, Sachin, Sania, Saina, lower than N’s. Among these six rankers, there are only
Shahrukh and Dhoni (but not in same order). The one who four students whose ranks are lower than P’s rank and
likes Shahrukh lives on odd numbered floor but below from five students whose ranks are above that of Q. Whose
6th floor. P lives below from the one who likes Shahrukh. There rank is 5th in the class?
are two floors between the one who likes Shahrukh and R. S (a) R (b) O (c) Q
lives just above P and likes Saina. There are 3 floors between (d)N (e) None of these
S and the one who likes Sania but the one who likes Sania lives 10. Pointing to a Woman, Adarsh said, “She is only sister of
above 5th floor. P does not live on even numbered floor. N lives my paternal grandfathers’ only son” Then how that lady
just below Q who lives just above the one the one who likes is related to Adarsh?
Shahrukh. N does not live on 5 th floor. There is only one floor (a) Daughter (b) Son (c) Mother
gap between Q and R. O who likes Salman, lives below M. The (d) Sister (e) None of these
one, who likes Amitabh, lives below from who does not like Directions (11-15): Study the given information and answer
Sachin. the questions:
1. Who among the following lives on 4th floor? Eight friends i.e. G, N, P, L, D, M, C and J are sitting around a
(a) M (b) Q (c) P circular table and are facing towards centre. They like
(d) O (e) None of these different mobile phones i.e. Redmi, Nokia, MI, Sony, Lava,
2. Who among the following lives on 7th floor? Karbon, HTC and Lenovo, but not necessary in same order.
(a) Q (b) M (c) P The one who likes Lenovo sits opposite of P who does not like
(d) O (e) None of these Lava. The one who likes Sony sits immediate left of D who sits
3. Who among the following lives just above the floor on 2nd right of C. There is only one friend between P and the one
which the one lives who likes Amitabh? who likes Sony. C is not immediate neighbor of the one who
(a) Q (b) M (c) P likes Lenovo. L sits opposite of M who likes Nokia. N is a
(d) O (e) S neighbor of D and J does not sit opposite of C. The one who
4. Who among the following lives on ground floor? likes MI phone sits third to the right of L. The one, who likes
(a) S (b) R (c) O Redmi, sits near to N. The one, who likes Karbon mobile, sits
(d) M (e) P immediate right of the one who likes Lava.
5. If O interchanges his floor with N, then who will live just 11. Who among the following likes HTC phone?
below from N? (a) G (b) N (c) J
(a) M (b) Q (c) P (d) C (e) D
(d) O (e) None of these 12. How many persons sit between L and the one who likes
Directions (6-7): Read the given information carefully and Lava, when counted left of L?
answer the given questions. (a) Two (b) One (c) Four
Each of the six friends P, Q, R, S, T and U has a different weight. (d) Three (e) None
R is heavier than T but lighter than U. Q is lighter than only P. 13. Who among the following sits immediate right of M?
T is not the lightest. T’s weight is 50 kg. The one who is the (a) G (b) N (c) J
third heaviest his weight is 63 kg. (d) C (e) D
6. Whose weight could possibly be 49 kg? 14. Who among the following sits opposite of the one who
(a) S (b) Q (c) P likes HTC phone?
(d) R (e) U (a) G (b) M (c) L
7. Which of the following weights correctly represents the (d) C (e) D
possible weight of R? 15. Who among the following sits 3rd right of M?
(a) 65 kg (b) 48 kg (c) 67 kg (a) L (b) C (c) J
(d) 61 kg (e) 63 kg (d) N (e) D
8. Point R is 10 meters north of point A. Point K is exactly in Directions (16-20): These questions are based on the
the middle of the points R and A. Point N is 7 meters east following arrangement. Study the arrangement carefully to
of point A. Point M is 7 meters east of point K. PointS is 6 answer these questions.
meters north of point M. Point S is in which direction with @ 7 D O E L 8 G P A % T 3 1 H # U J 9 B S = 6 Z$ R 2 K * C M V
respect to R?

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16. How many such symbols are there in the above (a) Axelsen (b) Vincet (c) Kasyup
arrangement, each of which is immediately followed by a (d) Carolina (e) Jindapole
vowel? Directions (26-30): In these questions, relationship
(a) 1 (b) 2 (c) 3 between different elements is shown in the statements. These
(d) 4 (e) 5 statements are followed by two conclusions.
17. Which of the following element is exactly in the middle of Mark answer as
3rd element from the right end and the 10th element (a) If only conclusion I follows.
from the left end of the arrangement? (b) If only conclusion II follows.
(a) 8 (b) P (c) T (c) If either conclusion I or II follows.
(d) B (e) None of these (d) If neither conclusion I nor II follows.
18. How many such symbols are there in the above (e) If both conclusions I and II follow.
arrangement, each of which is immediately preceded by 26. Statements: Z>B≤Y, Y≤M>Q, M≥S
a number and also immediately followed by a consonant? Conclusions: I. B ≤ M II. Q < Z
(a) None (b) One (c) Two 27. Statements: M>R<X, W≥Q, Q>M
(d) Three (e) More than three Conclusions: I. W > R II. Q >R
19. How many such vowels are there in the above 28. Statements: M>Y, Z>B≤T, Y≤B<K
arrangement each of which is immediately followed by a Conclusions: I. Y > Z II. K > Y
number and also immediately preceded by aconsonant? 29. Statements: Y>Z≥W, U>Q>W>R
(a) None (b) One (c) Two Conclusions: I. Y > R II. U > R
(d) Three (e) None of these 30. Statements: M>R<X, Q>M, W≥Q
20. What should come in the place of question mark (?) in the Conclusions: I. X > W II. R ≥ Q
following series based on above arrangement? Directions (31-35): Each question consists of some
G8P $ZR 13H 6=? statements followed by two conclusions I and II. Consider
(a) B (b) E (c) P the statements to be true even if they are in variance with
(d) Z (e) None of these the commonly known facts. Read all the conclusions and
Directions (21-25): Study the following information then decide which of the given conclusions logically follow
carefully and answer the questions give below. from the given statements using all the statements together.
Six friends i.e. Sem, Robert, Lucy, Martin, Tom, and Riya like Mark your answer as –
different players of badminton i.e. Axelsen, Carolina, Vincet, (a) If only conclusion I follows.
Srikant, Jindapole and Kasyup also they played badminton on (b) If only conclusion II follows.
different days of a same week starting from Monday to (c) If either conclusion I or conclusion II follows.
Saturday (not necessarily in same order). (d) If neither conclusion I nor conclusion II follows.
Riya likes Vincet. Lucy played badminton one of the days after (e) If both conclusion I and conclusion II follow.
Thursday. There are two days gap between when Lucy and 31. Statements: All E are F.
Martin played badminton. Tom played badminton after Lucy All G are H. No G is F.
but does not like Axelsen. The one, who played badminton one Conclusions:
of the days after Thursday, likes Carolina. Sem who does not I. All E can never be G.
like Srikant, played badminton just after the day on which day II. Some H are not F.
Riya played badminton. There is no day gap between the one 32. Statements: Some M are N.
who likes Kasyup and the one who likes Carolina. The one, All N are O. Some M are not P.
who likes Srikant, played after Tuesday. Martin likes Conclusions:
Jindapole. I. Some P are not O is a possibility.
21. Who among the following likes Srikant? II. All M are P is a possibility.
(a) Riya (b) Robert (c) Lucy 33. Statements: All C are D.
(d) Tom (e) None of these All E are C. All D are F.
22. Who among the following played the badminton on Conclusions:
Wednesday? I. All F can never be E.
(a) Tom (b) Robert (c) Riya II. All F are E.
(d) Martin (e) None of these 34. Statements: Some dogs are cats.
23. How many friends played badminton between the ones All cats are bottles. All dogs are glasses.
who like Carolina and Tom? Conclusions:
(a) One (b) Two (c) Three I. Some dogs are not bottle is a possibility.
(d) Four (e) No one II. All cats are not glasses.
24. Who among the following likes Kasyup? 35. Statements: All W are X.
(a) Tom (b) Robert (c) Sem Some X are Y. All Y are Z.
(d) Riya (e) None of these Conclusions:
25. The one who played badminton on Monday likes which of I. Some Z are W.
the following player? II. Some Z are X.

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NUMERICAL ABILITY

36. The sum of three numbers is 98. If the ratio of first and Directions (46-50): What will come in place of question
second numbers is 2 : 3 and ratio of 2nd and 3rd numbers mark (?)
is 5 : 3, what is the second number ? 46. 3? ÷ 81 = 243 × 729
(a) 220 (b) 135 (c) 875 (a) 15 (b) 16 (c) 12
13
(d) 325 (e) 735 (d) 18 (e) None of these
17 47. 0.001 + 1.0001 + 1.101 – 0.0001 = ?
37. By adding 2 in numerator and denominator each of a (a) 3.1020 (b) 1.1020 (c) 2.1020
rational number, we get 3. By substracting 1 from (d) 0.01020 (e) None of these
5 4
denominator of the same rational number 1 is obtained. 48. ? % of 540– 280 ÷ 7 = o7 f 343
2 19
Find that rational number. (a) 39 (b) 41 (c) 43
27
27 19
(a) 3 (b) 2 (c) 1
(d) 41 (e) 43
4 3 3 19 27

(d) 3
(e) None of these
5 49. 356×0.356−2×0.356×0.106+0.106×0.106 =?
0.632×0.632+2×0.632×0.368+0.368×0.368
38. The ratio of Varun’s and Shyam’s age is 3 : 5 and sum of (a) 60.25 (b) 6.025 (c) 0.625
their ages is 80 years. What will be the ratio of their ages (d) 0.0625 (e) None of these
after 10 years ? 9 4 3 2
(a) 2 : 3 (b) 1 : 2 (c) 3 : 2 50. 48 ÷ 12 × ( 8 of 3 ÷ 4 of ) =?
1 3 1
(a) 1 (c) 5
39. (d
Th)e3a:v5erage of five(ceo)nNseocnueto
ivfethoedsdenumbers is 19. What 3
(b) 3
3

(d) 12 (e) None of these

will be the product of least number and maximum Directions (51-55): The following pie charts show the
number ? percentage distribution of books of 5 different subjects
(a) 540 (b) 450 (c) 345 available in a library and percentage distribution of these
(d) 325 (e) None of these books issued to the students by the library.
40. If the price of a thing is reduced by 20% then by what Study the charts carefully and answer the questionsthat
percent it should be incresed so that original price is follow:
obtained?
2 Total Books Available = 7500
(a) 20% (b) 25% (c) 16 %
3
(d) 24% (e) None of these
41. The average age of three members father, Son and History Comme
daughter of a family is 26 years. The ratio of their present 15% rce
ages is 15 : 6 : 5. Find the difference between age of father 25%
and son.
(a) 25 years (b) 27 years (c) 30 years
(d) 23 years (e) None of these Art
Math 10%
42. A man can row a certain distance by boat upstream in 5 32%
hours and downstream in 3 hours. If speed of stream is 3 Science
km/hr, then find the speed of boat in still water. 18%
(a) 6 km/hr (b) 8 km/hr (c) 10 km/hr
(d) 12 km/hr (e) None of these
43. A train crosses a platform in 30 seconds and a pole in 18
sec. If speed of train is 45 km/hr, then find the length of Total Books distributed = 6000
platform.
(a) 200 m (b) 100 m (c) 150 m
(d) 125 m (e) None of these History Comme
44. The cost price of a thing is 4 times of its profit. If the 18% rce
shopkeeper earns 10% profit by selling the thing in Rs. 30%
143, then find the original profit in rupee.
(a) Rs. 30 (b) Rs. 40 (c) Rs. 25 Math
(d) Rs. 32.5 (e) None of these 20%
Art
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PRACTICEScience
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45. Two pipes A and B together can fill a tank in 20 hours. But
due to a leak in the bottom of tank it takes 5 hours more
to fill the tank. Find in how much time, fully filled tank can
be emptied via leakage ?
(a) 90 hrs (b) 100 hrs (c) 75 hrs
(d) 110 hrs (e) None of these

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51. Find the number of books of subject History still left in (d) 0.02152 (e) 0.03125
the library after distribution. Directions (61-70): Find out the approximate value which
(a) 45 (b) 50 (c) 65 should replace the question mark (?) in the following
(d) 35 (e) None of these questions.
52. Books of which subject are distributed maximum ? Note: (You are not expected to find out the exactvalue)
(a) History (b) Math (c) Science 61. 25.05% of 2845 + 14.95 × 2400 = ?
(d) Art (e) Commerce (a) 36,700 (b) 36,500 (c) 35,800
53. What is the average number of books of subjects Math, (d) 35,600 (e) 36,200
Science and Commerce still available in the library 62. 1010 ÷ 36 + 187 × 20.05 = ?
undistributed ? (a) 3650 (b) 3770
(a) 400 (b) 350 (c) 435 (c) 3825 (d) 3800
(d) 450 (e) None of these (e) 3700
54. The Art books issued from the library are what percent of 63. 125% of 4875 + 88.005 × 14.995 = ?
total Art books available in the library ? (a) 7395 (b) 7490 (c) 7510
(a) 80% (b) 60% (c) 64% (d) 7375 (e) 7415
(d) 44% (e) None of these 64. 39.05 × 14.95 – 27.99 × 10.12 = (36 + ?) × 5
55. The books of Math issued to the students are what (a) 22 (b) 29 (c) 34
percent more or less than the History books available in (d) 32 (e) 25
the library ? 65. 158.004 × 4.06 + 20.12% of 849.86 + ? = 950.93
(a) 50%
2 less (b) 45% more (c) 60%less (a) 350 (b) 480 (c) 280

(d) 6 3 % more (e) None of these (d) 250 (e) 150

66. 33.02% of 4200 + 4.01 ÷ 11.9 × 9.11 = x% × 301.22
Directions (56-60): What will come in place of question
(a) 463 (b) 460 (c) 455
mark (?) in the following no. series ?
(d) 468 (e) 480
56. 2, 11, 48, 243, ?
(a) 1500 (b) 1460 (c) 1350 67. 459.008 + 3.0056 × 88.862 =?
(a) 738 (b) 726 (c) 695
(d) 1480 (e) None of these
57. 11, 23, 16, 18, 21, 13, 26, ? (d) 752 (e) 666
68. 133.008 × 2.97 − 111.87 + 74.13 =?
(a) 11 (b) 10 (c) 8
(a) 311 (b) 234 (c) 360
(d) 13 (e) None of these
(d) 280 (e) 399
58. 1, 0.5, 0.5, 0.75, 1.5, 3.75, ?
69. 1702 ÷ 68 × 136.05 = 50 ×?
(a) 11.25 (b) 10.25 (c) 9.75
(a) 80 (b) 74 (c) 77
(d) 12.25 (e) None of these
(d) 68 (e) 63
59. 1, 1, 3, 23, 367, ?
70. 69.99% of 1401 − 13.99% of 1299 =?
(a) 35003 (b) 34882 (c) 36508
(a) 700 (b) 720 (c) 770
(d) 11743 (e) None of these
60. 1024, 512, 128, 16, 1, ? (d) 800 (e) 740
(a) 0.003125 (b) 0.3125 (c) 0.04125

ENGLISH LANGUAGE

Directions (71-80): Read the passage carefully and answer the and city branchless, with little awareness in the rural network.
questions given below it. Certain words/ phrases are given in
bold to help you locate them while answering some of the
questions.
The government directive to public sector banks (PSBs) to
mandatorily offer broking service and sell products of more
than one insurance company to customers from January 2014 is
controversial, without properly appreciating the issue and
ground realities of cross-selling at PSBs.
No one disputes the fact that PSBs can play a huge role in
enhancing insurance penetration in the country. With over 400
million customer accounts, PSBs have barely achieved 1%
insurance penetration. They sell mostly saving-oriented
policies, turning a blind eye to low-premium, low-commission
term insurance, which is a vital social security tool for
vulnerable segments. Insurance selling is confined to urban

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On the non-life side, banks are simply unaware of the nuances

of various insurance products and their risk-mitigation
benefits, especially for the millions of SME clients.
The bulk of bancassurance business is currently sourced by
insurers with help from their sales staff deployed at bank
branches. The number of bank personnel trained to sell
insurance with the knowledge of what is good for customers
and what is not is minuscule. Despite insurers’ efforts, the
persistency rate of bancassuracne – a measure of insured
customers paying renewal premium – is poor, at about 50% in
some PSBs, a poor reflection of their post-sale followup.
The key reason for the state of affairs is lack of cross-selling
culture in PSBs. With years of social banking orientation, bank
managements find it tough to create a new business culture that
aims to look at the customer’s wallet in an integrated manner.
In PSBs, the internal reporting and performance evaluation are
not geared to encourage cross-selling. As a result, they earn less
than 1% of profits from distributing third-party products.

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PSBs attribute the reason to shortage of staff at various levels. (e) Low-premium policy is a vital social security tool for
True, there is a vacuum in most banks following large-scale vulnerable segments.
retirements, and there are daunting issues of training many 74. Why do PSBs earn very little profit from distributing third-
new recruits on banking aspects. It is, therefore, unrealistic to party products?
expect the frontline staff to become experts at suggesting (a) Because bank personnel are not good at selling
insurance solutions for multiple insurers in the near future. insurance products.
While our extensive banking network should aid greater (b) Because there is a lack of cross-selling culture in PSBs.
insurance penetration, this cannot be achieved by compelling (c) Because PSBs are not geared to encourage cross-
all PSBs to become insurance brokers overnight. It has to be a selling.
nuanced exercise, with a supportive policy framework. (d) Bank management finds it difficult to create a new
First, make a distinction between banks that have consciously business culture that aims to look at the customer’s
entered the insurance business through equity JVs, and others wallet.
that have remained plain distributors. RBI has allowed only (e) All the above
large banks the equity route, relying on their risk management 75. What is the reason for poor performance of bancassurance
and other capabilities. These banks should set an example by business in India?
offering advice-based insurance solutions to customers for (a) Shortage of staff at various levels
more than one insurer life – non – life and health – through their (b) Lack of proper training to bank personnel for selling
network. This category should include both PSBs and private insurance products
banks that have set up insurance ventures. (c) People do not prefer to purchase insurance products
Second, encourage such banks to recruit staff that would be only (d) Only a) and b)
involved in cross-selling insurance, mutual funds and pension (e) Only b) and c)
products. It is difficult to change the mindset of banking trained Directions (76-78): Choose the word/group of words which is
staff to be broking – oriented, including on claim settlements. MOST SIMILAR in meaning to the word/group of words printed
New recruits governed by different service conditions and in bold as used in the passage.
intensively trained is the answer, and they should be allowed to 76. Daunting
switch to mainstream banking upon a successful track record in (a) inciting (b) encouraging (c) pleasing
broking. PSBs had recruited such specialist staff in the 1980s for (d) heartening (e) appalling
rural banking operations, and many of them became capable 77. Vulnerable
generalist bankers. (a) susceptible (b) careful (c) watchful
71. What is the purpose behind making the selling of insurance (d) beautiful (e) irresponsible
products of more than one insurance company mandatory 78. Nuances
for public sector banks? (a) upshot (b) distinction (c) effects
(a) To enhance the profit of public sector banks (d) problems (e) consequences
(b) To maximise the use of extra manpower at banks Directions (79-80): Choose the word/group of words which is
(c) To enhance insurance penetration in the country MOST OPPOSITE in meaning of the word/group of words
(d) To make purchase of insurance products mandatory printed in bold as used in the passage.
for each bank customer 79. Confined
(e) All the above (a) open (b) restrained (c) restricted
72. What problem do the banks face while selling non-life (d) held back (e) hindered
insurance products? 80. Minuscule
(A) Banks are unaware of the nuances of various (a) microscopic (b) diminutive (c) minute
insurance products. (d) enormous (e) small
(B) They feel it difficult to deal with millions of small and Directions (81-85): Rearrange the following sentences (A),
medium enterprises clients. (B), (C), (D), (E), and (F) to make a meaningful paragraph and
(C) Very few bank personnel are trained enough to sell then answer the questions which follow.
appropriate insurance products to appropriateclients. A. According to it, organized retail stores are not wolves at the
(a) Only (A) and (B) (b) Only (B) and (C) doors of friendly neighbourhood grocery stores as there is
(c) Only (A) and (C) (d) Only (B) room for expansion of both.
(e) All (A), (B) and (C) B. Many have been crying foul over the entry of organized
73. Which of the following is not correct in the context of the retail stores expressing concern over their impact on small
given passage? store owners.
(a) The number of account holders in public sector banks C. The final winner in the competition, however, is the
is over 400 million. common man who gets to choose between the most
(b) PSBs have hardly achieved one per cent insurance suitable options and in turn fights with the runaway
penetration. inflation in prices of essential commodities.
(c) There is little awareness about insurance in the rural D. In spite of this potential for expansion, it is doubtless that
areas. the small store owners face a decline in profit in initial years
(d) PSBs give as much importance to selling saving if organized retailers set up stores in the vicinity.
oriented policies as to low-premium term insurance.

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E. But a study conducted over a period of two years goes a (d) would seemingly have presented
long way towards allaying these fears. (e) No correction required
F. This impact, however, wears off once they learn to take on Directions (91-95): Each question below has two blanks, each
the competition which, in turn, enhances efficiency all blank indicating that something has been omitted. Choose the
around. set of words for each blank that best fits the meaning of the
81. Which of the following sentence should be the FIRST after sentence as a whole.
rearrangement? 91. The business management institute focuses on a well-
(a) A (b) B (c) C rounded development, that it believes cannot be
(d) D (e) E without public engagement.
82. Which of the following sentence should be the THIRD after (a) anything, stopped (b) everything, possessed
rearrangement? (c) nothing, conveyed (d) all things, criticized
(a) A (b) E (c) D (e) something, nurtured
(d) F (e) C 92. The disproportionate by the Indian forces against
83. Which of the following sentence should be the SIXTH after firing by the Pakistani forces has shown that Narendra Modi
rearrangement? regime will not take truce lightly.
(a) A (b) B (c) C (a) revolution, breach (b) attack, contravention
(d) E (e) F (c) ambush, offence (d) retaliation, violations
84. Which of the following sentence should be the SECOND (e) counter, infringement
after rearrangement? 93. You never realise that even the most nutritious diet cannot
(a) A (b) B (c) C give you the results if your digestive system is not
(d) E (e) F fit enough to digest or absorb its nutrients .
85. Which of the following sentence should be the FIFTH after (a) aspired, competently (b) desired, efficiently
rearrangement? (c) considerate, dexterously (d) wished, comfortably
(a) D (b) B (c) C (e) longed, freely
(d) E (e) F 94. It is the old story of an anatomy professor in a medical
Directions (86-90): Which of the phrases (a), (b), (c), and (d) college asking his students a trick question: which part of the
given below each sentence should replace the phrase printed human body can expand times its size
in bold type to make sentence grammatically correct? If the excitement?
sentence is correct as it is, mark (e), i.e., No correction required, (a) most, in (b) many, of (c) several, under
as the answer. (d) numerous, for (e) single, while

86. I overheard him saying something to me when I wasquit. 95. When the CAG offered different figures of loss in
(a) was almost quit (b) was about to quit 2G spectrum everybody, from Modi to the media,
(c) had about to quit (d) had been quitting for the highest amount.
(e) No correction required (a) notional, jumped (b) national, dived

87. We had not only helped them with money but also with (c) conceptual, bounced (d) fabulous, plummeted
new machinery and raw material. (e) hypothetical, upsurged
(a) not only helped them by Directions (96-100): Read each sentence to find out whether
(b) helped them not only with there is any grammatical error in it. The error, if any, will be in
(c) helped not only to them with one part of the sentence. The number of that part is the answer.
(d) not only been helped them by If there is no error, the answer will be (e) i.e., ‘No Error. (Ignore
(e) No correction required errors of punctuations, if any).
88. I was shocked to learn that no one was knowing where 96. Mangal Pandey was well known (a)/because he was
the files were kept. involved (b)/in the initial stages (c)/ of the Indian
(a) had been knowing (b) had been known rebellion. (d)/No error (e)
(c) knew (d) was known 97. (a) In fact, the human civilisation is / (b) the history of
(e) No correction required man's growth / (c) control over / (d) the sources of energy.
89. All you really need is a mask, a tube, flippers and a spear / (e) No error
gun. 98. Her doctor was (a)/ annoyed because she (b)/ ignore her
(a) You really need are (b) Your really need are health (c)/ even after being hospitalized twice. (d)/ No
(c) You real need is (d) You really needed is Error (e)
(e) No correction required 99. Raghav was worry (a)/ about telling his parents (b)/ that
90. By contrast, the construction of great temples which had he wanted to move out (c)/ and live independently./ (d) No
seemingly have presented great engineering difficulties, Error (e)
was relatively easy. 100. The company's decision to issue (a)/ bonus- shares clearly
(a) had seemingly been presented indicates (b)/ the management's confident (c)/ about the
(b) had been seemed present future. (d)/ No error (e).
(c) was seemingly presented

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REASONING APTITUDE

Directions (1-5): 20. (d);

Floor Person Celebrities Directions (21-25):
Days Friends Places
7 M Sachin
Monday Robert Axelsen
6 R Sania
Tuesday Martin Jindapole
5 O Salman
Wednesday Riya Vincet
4 Q Dhoni
Thursday Sem Kasyup
3 N Shahrukh
Friday Lucy Carolina
2 S Saina
Saturday Tom Srikant
1 P Amitabh
21. (d);
1. (b); 22. (c);
2. (b); 23. (e);
3. (e); 24. (c);
4. (e); 25. (a);
5. (b); Directions (26-30):
Directions (6-7): P > Q > U(63) > R > T(50) > S 26. (a); I. B ≤ M (True) II. Q < Z(False)
6. (a); 27. (e); I. W > R (True) II. Q >R (True)
7. (d); 28. (b); I. Y > Z (False) II. K > Y (True)
8. (c); Point S is in north-east direction from Point R. 29. (e); I. Y > R (True) II. U > R (True)
30. (d); I. X > W(False) II. R ≥ Q (False)
31. (e);

32. (a);
9. (b); N > P > M > R > O > Q
10. (e);
Directions (11-15):

33. ( d);

34. (a);

11. (d);
12. (a);
13. (c);
14. (a);
15. (b); 35. (b);
16. (a); # U
17. (d);
18. (a);
19. (a);

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NUMERICAL ABILITY

36. (e); LetAthe2numbers

2 are A,BB and C respectively. 48. (e); ? × 540 − 40 = 196
∴ = ⇒ A = B and = 5 ⇒ B = 5 C 100
19
B 3 3 C 3 3 ⇒? = 43
10 27
∴A= C (0.356−0.106) 2
9 10 5
49. (d); ? = ( = 0.0625
0.632+0.368)2
∴A∶ B∶C= 9 3: : 1 = 10 ∶ 15 ∶ 9 50. (c); 9 4 4 2 16

∴ Second no. =
15
× 98 =
735 ? =4× (××× )=
8 3 3 3 3
34 17 51. (a); Required no. of History books
37. (c); Let the rational no. is 𝑥 15 18
𝑦 = × 7500 − × 6000
𝑥+2 3 100 100
∴ = = 45
𝑦+2 5
⇒ 5𝑥 − 3𝑦 = −4 …(i) 52. (e); From pie charts it is clear that maximum books
and
𝑥
=
1 which are distributed are of Commerce.
𝑦−1 2
53. (c); Mathematics books left inlibrary
32 20
⇒ 2𝑥 − 𝑦 = −1 …(ii) = × 7500 − × 6000
Solving (i) and (ii) we get 100 100
𝑥 = 1, 𝑦 = 3 = 2400 − 1200
1
∴ rational no. is = 1200
38. (a); Let Varun’s age = 3 Sci1e8nce books l2e2ft in library
3𝑥 years = × 7500 − × 6000
Shyam’s age = 5𝑥 years 100 100
∴ 8𝑥 = 80 = 30

⇒ 𝑥 = 10 years an2d5 the Comme30rce books left in library

40 2 = × 7500 − × 6000
∴ Required ratio = =
60 3 = 17050 100
39. (c); Let five consecutive odd no. are 𝑥, 𝑥 + 2, 𝑥 + 4, 𝑥 + 1200+30+75
6, 𝑥 + 8 respectively.
∴ Required average = = 435
𝑥+𝑥+2+𝑥+4+𝑥+6+𝑥+8 3

10×60
ATQ, = 19 54. (a); Required percentage = × 100 = 80%
5 10×75
20×60−15×75
⇒ x = 15 55. (d); Required percentage = × 100 =
∴ Required product = 15 × 23 = 345 2 15×75

40. (b); Let the price of thing is Rs. 100 6 % more

3
∴ New price = Rs. 80 56. (b) ; The pattern is
Required increament 2 × 3 + 5 = 11
= 100−80 × 100 11 × 4 + 4 = 48
80
= 25% 48 × 5 + 3 = 243
41. (b); Let the present ages of father, son and daughterare 243 × 6 + 2 = 1460
15𝑥, 6𝑥 and 5𝑥 years respectively. 57. (c) ; Patternis
∴ 26𝑥 = 26 × 3
⇒𝑥=3
Required difference = 45 – 18 = 27 years
42. (d); Let speed of boat in still water is 𝑥 km/hr.
∴?=8
∴ (𝑥 − 3) × 5 = (𝑥 + 3) × 3
58. (a); Pattern is
⇒ 𝑥 = 12 km/hr
43. (c); Let length of platform is 𝑥5metre.

∴ Length of train = 45 × × 18 = 225 m

𝑥+225
18
∴ ? = 3.75 × 3
∴ 30 = 45 × 5 = 11.25
18
⇒ 𝑥 = 375 − 225 = 150 m 59. (d); Pattern is
44. (d); Let cost price is Rs. 𝑥
100
∴ 𝑥 = 143 ×
110

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𝑥 = 130 130 = 32.5 rupee

?=367×32 -1 = 11743
4
∴ Profit in rupee = 60. (e); Required in the question is –
1
45. (b); 1 hour work by leakage = − 1 = 1 ÷2, ÷4, ÷8, ÷16, ÷32
20 25 100
i.e. leakage will empty the tank in 100 hours. ∴ ? = 0.03125
46. (a); ? – 4 = 5 + 6 S61. Ans.(a)
Sol.
⇒ ? =15 1 × 2844 + 15 × 2400
47. (c); ? = 2.1020 4
= 711 + 36000 ≈ 36700

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62. (b); 1010 + 187 × 20 ≈ 28 + 3740 = 3768 ≈ 3770 67. (b); 459.008 + 3.0056 × 88.862
36
≈ 459 + 3 × 89
63. (e); 5 × 4875 + 88 × 15 = 5 × 1219 + 1320
4 = 459 + 267
= 6095 + 1320 = 7415 = 726
64. (e); 39×15−28×10 = 36+? 68. (c); ≈ 133 × 3 − 112 + 74
5
⇒ 61 = 36 + ? = 399 + 74 − 112 = 473 − 112
∴ ? = 25 = 361 ≈ 360
1 69. (d); (1702 ÷ 68) × 136.05 = 50 ×?
65. (e); 158 × 4 + 5 × 850+? = 951 ≈ 25 × 136 = 3400 = 50 ×?
3400
⇒632 + 170 + ? = 951 ∴ ?= = 68
∴ ? ≈ 150 50
66. (a); ≈ 33 × 42 + 4 × 9 = 𝑥 × 300 70. (d); ≈ 70% × 1400 − 14% × 1300
12 100 ≈ 980 − 182 = 798
≈ 1386 + 3 = 3x ≈ 800
x ≈ 463

ENGLISH LANGUAGE
71. (c); The passage says ‘No one disputes the fact that PS Bs
can play a huge role in enhancing insurance
penetration in the country.’ So, (c) is the correct Directions (81-85): The correct sequence to form option.
meaningful sequence is BEADFC.
72. (e); The passage says “On the non-life side, banks are 81. (b); simply
unaware of the nuances of various insurance 82. (a); products
and their risk-mitigation benefits, 83. (c); especially for the
millions of SME clients. PSBs 84. (d); attribute the reason to
shortage of staff at various 85. (e);
levels.” So, all the options (A), (B), (C) are true. 86. (b); Replace ‘was quit’ with ‘was about to quit’
73. (d); PSBs give as much importance to selling saving 87. (b); Replace ‘not only helped them with’ with ‘helped
oriented policies as to low-premium terminsurance. them not only with’
74. (e); “The key reason for the state of affairs is lack of 88. (c); Replace ‘was knowing’ with‘knew’
cross-selling culture in PSBs. With years of social 89. (e); No correction required
banking orientation, bank managements find it 90. (d); Replace ‘seemingly have presented’ with ‘would
tough to create a new business culture that aims to seemingly have presented’
look at the customer’s wallet in an integrated 91. (e); ‘something, nurtured’ is the correct use.
manner. In PSBs, the internal reporting and Nurtured- to help or encourage the development of.
performance evaluation are not geared to encourage 92. (d); ‘retaliation, violations’ is the correct use.
cross-selling. As a result, they earn less than 1% of Retaliation- action taken in return for an injury or
profits from distributing third-party products.” offense.
75. (d); The passage says “Shortage of staff at various levels. Violation- the action of violating someone or
Lack of proper training to bank personnel for selling something.
insurance products” 93. (b); ‘desired, efficiently’ is the correct use.
76. (e); Daunting means seeming difficult to deal with in Desired- strongly wish for or want (something).
prospect. So, appalling is the word which is similar Efficiently- performing or functioning in the best
in meaning to it. possible manner.
77. (a); Vulnerable means exposed to the possibility of 94. (c); ‘several, under’ is the correctuse.
being attacked or harmed, either physically or 95. (a); ‘notional, jumped’ is the correct use.
emotionally. So, susceptible is the word which is Notional- existing as or based on a suggestion,
similar in meaning to it. estimate, or theory.
78. (b); Nuances means a subtle difference in or shade of 96. (a); Replace ‘is’ with ‘was’ because present indefinite
meaning, expression, or sound. So, distinction is the tense is used to denote general truth.
word which is similar in meaning to it. 97. (b); Replace ‘growth’ with ‘growing’
79. (a); Confined means (of a space) restricted in area. So, 98. (c); ‘Ignore’ will be replaced by ‘ignored’ as sentence
open is the word which is opposite in meaning to it. structure is in past tense.
80. (d); Minuscule means extremely small. So, enormous is 99. (a); ‘worried’ will come in place of ‘worry’ as sentence
the word which is opposite in meaning to it. structure is in past tense.
100.(c); Here, Noun not an adjective should be used. Hence,
the management’s confidence….. should be used.

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PRACTICE PAPER 2: RBI ASSISTANT 2017

REASONING APTITUDE

Directions (1-5): In each of the questions below. Some contains Mobile and Tea Bag but is kept immediately above
statements are given followed by conclusions/group of the box which is pink in colour. There are two boxes kept
conclusions numbered I and II. You have to assume all the between Box N and the box which is of Blue in colour. Box O
statements to be true even if they seem to be at variance from is of Violet in colour and contains Chocolate. There is one box
the commonly known facts and then decide which ofthe kept between box P and S, which contains Spices. There is no
given two conclusions logically follows from the information any box above box M. Box S is kept immediate above box N.
given in the statements. There is only one box kept between the box N and the box
(a) If only conclusion I follows which is Yellow in colour. Box P is kept immediately above box
(b) If only conclusion II follows R. Box Q does not contains Mobile. The Box which is of Red in
(c) If either I or II follows colour contains Stationary item. Box P is of Black in colour.
(d) If neither I nor II follows 6. Which of the following box contains Tea bag?
(e) If both I and II follow (a) Box M (b) Box O (c) Box Q
1. Statement: All Airs are Lights. (d) Box S (e) Box P
No Light is Dust. 7. Which of the following combination is correct?
All Dusts are Sounds. (a) Box N-Red-Stationary (b) Box O-Violet-Spices
Conclusion: I. No Air is Dust. (c) Box P-pink-Tea bag (d) Box M-black-Mobile
II. Some Sound is not light. (e) All are Incorrect
2. Statement: Some cats are dogs. 8. Which of the following box contains Mobile?
Some monkeys are dogs. (a) Box P (b) Box M (c) Box O
All rats are cats. (d) None of these (e) Box Q
Conclusion: I. No Rat is a Dog. 9. Which of the following box is kept immediately below
II. Some Dogs are Rat. box S?
3. Statement: All Cycle are cars. (a) Box R (b) Box M (c) Box O
All cars are laps. (d) Box N (e) None of these
All laps are races 10. Which of the following Box is orange in colour?
Conclusion: I. Some races are Cycle. (a) Box S (b) Box R (c) Box M
II. Some cars are not Cycle. (d) Box N (e) Box O
4. Statement: Some Planes are Rough. Directions (11-13): Study the following information and
Some Rough are Grounds. answer the questions that follow:
All grounds are Square. There are six members i.e. A, B, C, D, E and F in a family having
Conclusion: I. Some Square are Planes. two generation. There are two married couple in the family.
II. Some Square are Rough. They all have different profession, only D has no profession.
5. Statement: Some Blue are White. The different professions are teacher, Accountant, Engineer,
No Pink is Black. Housewife and Writer but not necessarily in the same order.
All White are Pink. F is the son of E, who is a housewife. B is teacher and has only
Conclusion: I. Some Blue are not white. two brothers. C is an Engineer and is son in law of A, who is an
II. All Pink are Blue. Accountant. D is not the female member of the family nor a
Direction (6-10): Study the following information and Writer.
answer the questions that follow: 11. Who are the two female members in the family?
Seven boxes M, N, O, P, Q, R and S are placed one above (a) A and E (b) B and D (c) E and F
another but not necessarily in the same order. They all are of (d) E and B (e) None of these
different colours i.e. Black, Yellow, Pink, Red, Orange, Violet 12. What is the profession of the wife of C?
and Blue but not necessarily in the same order. These boxes (a) Writer (b) Teacher (c) Accountant
contain different items i.e. Chocolate, Stationary, Mobile, (d) Engineer (e) She is a housewife
Coffee, Tea Bags, Spices and Cold drinks but not necessarilyin 13. Who is the Father B?
the same order. (a) C (b) D
Box M contains Cold drinks and placed above the box S but not (c) The one who is Writer (d) None of these
immediate above. Box R is of yellow colour and does not

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(e) The one who is Accountant 19. A likes which of the following colour?
Directions (14-18): Study the following information and (a) Red (b) Brown (c) Pink
answer the questions that follows: (d) Blue (e) Green
There are eight persons i.e. A, B, C, D, E, F, G and H who lives 20. Who among the following likes Yellow colour?
in eight storey building such that ground floor is numbered as (a) B (b) D (c) A
(d) F (e) H
1, first floor is numbered 2 and so on until the topmost floor
is numbered 8 as but not necessarily in the same order. They 21. Who among the following sits 2nd to the right of the one
like different Colours i.e. Red, Orange, Black, Blue, Pink, Green, who likes Orange colour?
Yellow and Brown but not necessarily in the same order. No (a) The one who likes Pink
two successive candidates are living together on adjacent (b) H
floors according to alphabetical order. (c) D
There are three persons who live between the one who likes (d) The one who likes Red
Pink colour and the one who likes Black Colour and both of (e) Both b and d
them lives on odd numbered floor. There are two floors 22. How many persons sit on the right of the one who likes
between the one who likes Black colour and A, who likes Blue green colour?
colour. E lives on one of the floor above F but not immediately (a) Two (b) Three
above. H lives on an odd numbered floor immediately above (c) One (d) More than Three
E and likes Red colour. There are two floors between F and C (e) No One
and C lives below F. The one who lives on third floor likes 23. Who among the following sits on the immediate left of
Brown colour. Both F and C does not like Brown colour. A does the one who likes Brown colour?
not lives on a floor below floor number 5. F likes Yellow (a) C (b) A (c) B
colour. G does not like Orange Colour. (d) G (e) H
14. Who among the following lives on third Floor? 24. Rahul starts walking in the south direction from point F
(a) D (b) A (c) G and walks for 7m to reach point A, from point A, he takes
(d) E (e) H a left turn and walks for 6m to reach point B. Now from
15. E lives on which of the following floor? point B he takes a 45° left turn and walks for 10m to reach
(a) 3rd Floor (b) 5th Floor (c) 7th Floor point C and again he takes a 135° left turn to reach point
D (which is vertically above point B). Now he walks 6m
(d) 6th Floor (e) 1st Floor
16. Who among the following lives on top floor? from point D to reach point E which is 1m below his
(a) D (b) E (c) F starting point. What is the distance between point C and
(d) B (e) A E?
17. C likes which of the following colour? (a) 15m (b) 16m (c) 17m
(a) Red (b) Pink (c) Blue (d) 14m (e) 13m
(d) Black (e) Orange 25. In a class of 45 students Rohit is sitting 20 th from the right
18. F lives on which floor? and Rahul is sitting 16 th from the left then if Aman is
(a) 5th Floor (b) 8th Floor (c) 4th Floor sitting exactly between them then what is the rank of
(d) 3rd Floor (e) 2nd Floor Aman?
(a) 21st from the left (b) 22nd from theright
Directions (19-23): Study the following information and
answer the questions that follow: (c) 20 from the left
th (d) Either a or b
There are eight persons A, B, C, D, E, F, G and H who are sitting (e) None of these
in a row but not necessarily in the same order and all are Directions (26-30): In these questions, the relationship
facing in the north direction. They like different colour between different elements is shown in the statements. The
i.e. Blue, Red, Brown, Orange, Black, Yellow Green and Pink statements are followed by two conclusions. Give answer
but not necessarily in the same order. (a) if only conclusion I is true
C sits 2nd from the one end. There are four persons sitting (b) if only conclusion II is true
(c) if either conclusion I or II is true
between C and G. There are three persons sitting between G
and the one who likes Red colour. The one who likes Green (d) if neither conclusion I nor II is true
(e) if both conclusions I and II are true.
colour sits on the immediate right of the one who like Pink 26. Statements: A ≤ C, K > A, E > G ≥ B, K<B

colour. The number of persons sitting to the right of the one Conclusions: I. E > A II. E ≥ B
who likes Red is same as the number of person sitting on the 27. Statements: A ≥ P > K, Q > A= R
left of the one who likes Black. The number of persons sitting Conclusions: I. Q = K II. Q>K
on the left of one who likes Yellow colour is one more than the 28. Statements: A = N > M < B, Q >N
number of persons sitting on the left of the one who likes Conclusions: I. Q > B II. B>Q
Orange colour. H likes Red colour. The number of persons 29. Statements: Q = N > X < Z, L > N
sitting on the left of H is same as the number of person sitting Conclusions: I. L> Q II. X < L
on the right of E. C likes Pink colour. D sits on the immediate 30. Statements: J ≤ K = M, N ≥ P > K, Q > N = R
right of B. G does not like yellow colour. F sits on the right of Conclusions: I. M > J II. J = M
B. G does not Blue colour.

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Directions (31-35): Study the following information and (a) B (b) C (c) H
answer the questions that follow: (d) A (e) F
Eight friends A, B, C, D, E, F, G and H are sitting around a 32. Who among the following friend does not make it to the
circular table for a reunion dinner. They also like different reunion?
Food item i.e. Pizza, Burger, Hot Dog, Egg-roll, Chicken, Paneer (a) A (b) H (c) C
and Biryani. All are facing in same direction. (d) F (e) G
B sits third to the right of A and likes Egg Roll. F sits third to 33. E likes which food item?
the left of the one who likes Hot Dog, which is not A. (a) Chicken (b) Burger (c) Pizza
Unfortunately one of the friends does not make to the reunion (d) Hot Dog (e) None of these
so his sit is vacant. E sits on the immediate right of the vacant 34. Who among the following sits 3rd to the right of E?
seat. F likes Pizza. D likes Biryani and sits on the immediate (a) B (b) F (c) G
left of G. The one who likes Pizza sits second to the left of the (d) C (e) A
one who likes Biryani. C likes Burger and sits on the 35. Who among the following sits on the immediate left of
immediate right of the one who likes Chicken. C is not the the vacant seat?
immediate neighbour of A and B. H does not like chicken. A (a) A (b) D (c) B
doesn’t like Biryani. (d) C (e) G
31. Who among the following likes Paneer?

NUMERICAL ABILITY

Directions (36-40): What will come at the place of question (d)12 in Rs. 5 (e) None of these
mark in the following questions? (You are not expected to find 45. A sum was distributed among A, B, C in the ratio of 2 : 5 :
exact value) 9. If part of A was 2500 rupee, what is the totalsum?
36.399.98 ÷ 7.99 + (3.99)2.9 − 91.99 =? (a) Rs. 20000 (b) Rs. 25000 (c) Rs. 22000
(a) 32 (b)28 (c)22 (d) Rs. 15000 (e)None of these
(d)36 (e)42 46. In how many ways the word ‘SCOOTER’ can be arranged
37. 3 √1330 × 342.98 ÷ 48.99 − 27.9 =? such that S and R are always at two ends?
(a) 55 (b) 49 (c) 62 (a) 720 (b) 120 (c) 2520
(d) 42 (e)39 (d) 5040 (e)None of these
38. 49.9% of 799.98 – 29.98% of 649.98 = ? 47. In a basket there are 3 red, 4 green and 5 white bolls
(a) 190 (b) 225 (c) 200 respectively. 3 bolls are selected randomly. Find the
(d) 205 (e)185 probability that these bolls are green.
4
39. 1 𝑜𝑓 299.98 ÷ √120 + √257 =? (a) 7
3 53
13 19 (c) 21 (d) 1
(d) 26 (e)31 55
(b)
3
6
(e)None
of these
(c)
5
5
10%, by how percent his saving increased?
40 ? = (√120.9 + √25.01) ÷ (√783.99 − √575.95) (a) 25% (b) 30% (c) 35%
(a) 6 (b) 3 (c) 4 (d) 50% (e) None of these
(d) 5 (e) 2 44. A vendor bought 8 lemons in Rs. 3. To get a profit of
41. The profit obtained by selling a thing in Rs. 840 is twice
the loss occurred after selling the same thing in Just Rs.
600. Find cost price of thing?
(a) Rs. 800 (b) Rs. 720 (c) Rs. 820
(d) Rs. 680 (e)None of these
42. Average of marks obtained by Ram in 4 different subjects
was 75. But later it was found that marks of twosubjects
were written incorrectly as 69 and 86 in place of 96 and
68 respectively. Find the correct average of marks?
(a) 85.50 (b) 82 (c) 77.25
(d) 72.25 (e)None of these
43. Amit spends 75% of his income. If his income was
increased by 20% and he increased his expenditure by

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48. A, B and C start a business together by investing a (a) 30 days (b) 40 days (c) 25 days
total amount of 50000. Sum of A is Rs. 4000 more (d) 50 days (e)None of these
than that of B and sum of B is Rs. 5000 more than 50. The One year before, the age of a person was 4 times of
that of C. If total profit at the end of a year was found his son’s age. 6 years hence, his age will be 9 years more
to be Rs. 35000, what is the share of A in the profit? than twice age of his son. What is the ratio of their current
(a) Rs. 11900 (b) Rs. 14700 (c) Rs.13600 ages?
(d)Rs. 8470 (e)None of these (a) 9 : 2 (b) 11 : 3 (c) 12 : 5
49. A and B can complete a work in 12 days together, B (d) 13 : 4 (e) None of these
and C can complete the same work in 15 days together Directions (51-60): what will come in place of question mark
and A and C can complete that work in 20 days (?) in the following
2
questions?
2
together. In how many days A can complete the same 51. ? % 4800 − 𝑜𝑓 182 = 𝑜𝑓 830
workalone?
60%, at what rate he will sell these lemons? 7 5
(a) 2 in Rs. 1 (b) 3 in Rs. 2 (c) 5 in Rs. 3 (a) 6 (b) 4 (c) 8
(d) 12 (e) None of these

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52. 3?+3 = 243 ÷ 9 × 729 61. What is the approximate average no. of women in the
(a) 10 (b) 8 (c) 6 years 2000, 2002 and 2004 together?
(d) 5 (e) None of these (a) 66 lakhs (b) 57 lakhs (c) 75 lakhs
(d) 45 lakhs (e) 42 lakhs
53. 0.0009 + 0.009 + 0.999 = ? 62. The no. of men in year 2001 is what percent more or less
(a) 1.0089 (b) .0089 (c) 2.0089 than the no. of women in the same year?
(d) 1.0088 (e) None of these (a) 75% more (b) 50% less (c) 50% more
1 3 12 (d) 75% less (e) None of these
54. 2 3 × 5 8 × 21 × 84 = ? 63. In which year the no. of women is least?
(a) 621 (b) 610 (c) 702 (a) 2004 (b) 2003 (c) 2001
(d) 602 (e) None of these (d) 2002 (e) None of these
55. 9857 + 11839 – 7891 ? + 10889 64. Find the difference between total no. of men in the years
(a) 2916 (b) 3016 (c) 3156 2001 and 2003 together and total no. of women in the
(d) 3316 (e) None of these years 2000 and 2004 together?
(1533+1473) (a) 35 lakhs (b) 40 lakhs (c) 25lakhs
56. =?
(153 2−153×147+147 2)
(d) 45 lakhs (e) None of these
(a) 310 (b) 400 (c) 300
65. The total no. of men in the year 2002 is approximately
(d) 305 (e) None of these
what percent of total no. of women in the year 2003?
57. ? √(1836 ÷ 4 ÷ 3 − 3) × 6 (a) 141% (b) 130% (c) 110%
(a) 105 (b) 75 (c) 85 (d) 121% (e) 105%
(d) 80 (e) 30 Directions (66-70): Find which term is placed as incorrectly
58. 400 339% of + 580 × − 145 in the following no series.
=?
13 4 66. 2, 11, 38, 121, 362, 1091
(a) 306 (b) 302 (c) 315 (a) 2 (b) 121 (c) 38
(d) 298 (e) None of these
3 3
59.
5
of (2 of 3 of 55) = ? (d) 362 (e) None of these
9 5 11 67. 3, 7, 28, 128, 766, 5360
(a) 245 (b) 250 (c) 260
(d) 315 (e) None of these (a) 7 (b) 128 (c) 28
1 (d) 766 (e) None of these
60. 1 + 1+ 1 =? 68. 133, 122, 89, 35, –43, –142
3

1+2 3 (a) 35 (b) 122 (c) 133

(a) 1 5 (b) 2 (c) 7 (d) 89 (e) None of these
7
7
(d) 5 (e) None of these 69. 1, 244, 970, 3160, 9721
Directions (61-65): Study the table given below and answer (a) 244 (b) 3160 (c) 1
the questions that follow: (d) 970 (e) None of these
Years Population of a state in 5 Man : Woman 70. 120, 24, 6, 4, 1, 1
different years (in lakhs) (a) 24 (b) 1 (c) 4
(d) 120 (e) None of these
2000 143 7 :4
2001 145 3 :2
2002 124 5 :3
2003 136 9 :8
2004 150 13 : 12

ENGLISH LANGUAGE

Directions (71- 80): Read the following passage carefully learn more about this potion. People took advantage of him
and cheated him. His wife grew anxious. Given the amount of
and answer the questions given below it. Certain words are
money Govind was spending, she was sure that they would
given in bold to help you locate them while answering some
soon be paupers.
of the questions.
Govind’s father was a rich landlord, who was loved and
respected by all his tenants. When he died, he left large tracts
of land to his only son Govind. But Govind did not spend a
single day looking after his land. He had a funny idea, that
there existed a magic potion which, if it was poured on any
object would turn it into gold. He spent all his time trying to
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One day, a widely respected sage who had been to the

Himalayas came to their town. Govind asked him about the
potion. To his surprise the sage answered, “I have learnt how
to brew such a potion. But it is a difficult process.” “Tell me!”
insisted Govind, hardly able to believe his luck. “You have to
collect the dew which settles on the leaves of a banana tree
every morning during winter. There is a condition though.
The tree should be planted and watered regularly with your
own hands. Store the collected dew in an earthen vessel and
when you have five litres, bring it to me. I will recite a sacred
mantra to transform the dew into the potion. A drop of the
potion will be sufficient to change any object into gold.”
Govind was worried “Winter is only for a few months in the
year. It will take me years to collect the dew.” “you can plant

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as many trees as you want,” replied the sage. Govind went (a) The soil of his land was suitable only for cultivating
home and after talking to his wife, began clearing the large bananas
fields which has been lying vacant for years. He planted (b) It was the most highly priced commodity in the
rows of banana saplings. He tended them with great care. His region
wife helped him too. She would take the banana crop to (c) It could be grown at any time of the year including
market and get a good price. Over the years the plantation winter
grew and finally after six years Govind had five litres of dew. (d) His wife pressurised him to do so
He went to the sage who smiled, uttered a mantra and (e) The ingredient for the magic potion could only be
sprinkled a few drops of dew on a copper vessel. To Govind’s obtained from a banana tree
dismay, nothing happened. “you have cheated me!” he 76. What made Govind angry with the sage?
shouted at the sage. (a) The sage had conspired with Govind’s wife against
The sage however smiled. Govind’s wife then came forward him
with a box. The sage opened it and revealed stacks of gold (b) As the dew didn’t turn into magic potion and
coins inside. Turning to Govind he said, “you worked hard on Govind’s hard work was in vain
your land and created a plantation. Your wife sold ‘the (c) He had lost a good deal of money in cultivating
produce in the market. It was your hard work which created bananas
this wealth, not magic. If I had told you this earlier, you would
(d) The sage had made a fool of him in front of other
not have listened.” Govind understood the wisdombehind the
sage’s words and worked even harder from that day on. villagers
71. Why did Govind’s father give him large plots of land? (e) None of these
(a) It was his way of instilling a sense of responsibility in 77. How did Govind acquire his dream of gold finally?
his son (a) The sage gave him gold as a reward for his hard
(b) Govind was his only son and sole heir work was in vain
(c) To provide Govind with sufficient funds to pursue (b) His wife diligently saved the gold he had received
his interest of discovering a magic potion from his father
(d) He wanted Govind to continue to look after the (c) By selling the banana plantation
tenants (d) His wife sold bananas at a higher price than others
(e) None of these did
72. Which of the following can be said about the sage? (e) None of these
(a) He was cunning and plotted with Govind’s wife to 78. Which of the following is TRUE in the context of the
cheat him. passage?
(b) He had no magical powers as such and used to A. Govind was easily fooled by people
swindle people B. Govind was preserving by nature
(c) He was a good judge of people
C. The sage had never actually been to the Himalayas
(d) He did not deserve his good reputation
(a) Only (A) (b) Both (A) and (B)
(e) He was dishonest because he had cheated Govind
(c) Only (C) (d) Both (A) and (C)
out of his gold
73. Why was Govind’s wife worried ? (e) None of these
(a) Govind had no knowledge of farming and could not Directions (79-80): Choose the word which is most similar
cultivate the land he had inherited from his father in meaning to the word printed in bold as used in the passage.
(b) Govind had not friends because he was obsessed with 79. SPEND
finding a potion which would turn anything into gold (a) pay (b) bought (c) devote
(c) Govind was only interested in studying under (d) settle (e) empty
different sages and neglected his family duties 80. LYING
(d) Since Govind had devoted all his time and wealth to (a) sleeping (b) dishonest (c) relaxing
finding a magic potion they would soon be poor (e) (d) remaining (e) untruthful
Govind’s experiments to find a magic potion were Directions (81-85): In each question below a sentence with
dangerous four words printed in bold type is given. These are numbered
74. Why did Govind’s wife help him in the fields? as (a), (b), (c) and (d). One of these four words printed in bold
A. To support her husband in his endeavour to find a may be either wrongly spelt or inappropriate in the context of
magic potion. the sentence. Find out the word which is wrongly spelt or
B. The sage had advised her to help her husband
inappropriate if any. The number of that word is your answer.
succeed.
If all the words printed in bold are correctly spelt and also
C. He needed someone to help him collect the dew.
(a) only (B) (b) only (A) appropriate in the context of the sentence, mark (e) i.e. ‘All
(c) Both (A) and (B) (d) All (A), (B) and (C) correct’ as your answer.
(e) None of these 81. Under existing (a) / regulations we are not permitted
75. Why did Govind decide to cultivate a banana crop? (b) / to owe (c) / more than a forty percent share (d) /
of the family business. All correct (e).

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82. In case of any land dispute (a) / panchayat officials (b) are printed below the passage and against each, five words
/will determine (c) / how the property is to be are suggested, one of which fits the blank appropriately. Find
dividend (d) / All correct (e). out the appropriate word in each case.
83. The World Bank has consented (a) / to sanction (b) / the When we (93) started thirty years ago in 1977, we did not
necessary (c) / finance (d) / for the project. All correct know anything about how to run a bank for the poor. We
(e). therefore looked at how others ran their operations and (94)
84 To obtain (a) / a refund you will have to fill (b) / a claim from their mistakes. In Bangladesh, conventional banks and
(c) / with the appropriate (d) / authority. All correct (e). credit cooperatives always (95) lump sum repayments. This
85. Experts predict (a) / there will be shortage (b) / of created (96) problems because repaying in a lump sum was
investment (c) / in the infrastructure (d) / sector. All a mental hurdle for borrowers. They tended to delay
correct (c). repayment and get further into debt in the (97). In the end
Directions (86-87) : Which of the following phrases (a), (b), they usually (98) totally on the loan, which was a loss to the
(c) and (d) given below each sentences should replace the bank. In structuring our own loans, I decided to ask for a
phrase printed in bold in the sentence to make it daily payment, Monitoring repayment was (99) and it filled
grammatically correct? If the sentence is correct as it is given people with (100) that they could repay their loans.
and ‘No correction is required’, mark (e) as the answer. 93. (a) firstly (b) freshly (c) foremost
86. Starting out my own business at this time would affect (d) initially (e) recently
the financial stability of my family. 94. (a) copied (b) observed (c) learned
(a) Starting up my (b) For starting with (d) understood (e) improving
(c) To start out mine (d) By starting my
95. (a) asked (b) insisted (c) demanded
(e) No correction required
(d) settled (e) lend
87. Use a tactic for mixing the inferior with good quality
rice is dishonest and you will lose your license. 96. (a) severe (b) no (c) additionally
(a) Using tacti as (b) Using a tactic like (d) variety (e) plenty
(c) To use tactics (d) Used to tactics like 97. (a) time (b) process (c) return
(e) No correction required (d) event (e) action
Directions (88-92): Rearrange the following six sentences 98. (a) neglected (b) abandoned (c) defaulted
(A), (B), (C), (D) and (E) in the proper sequence to form a (d) depended (e) disappointed
meaningful paragraph; then answer the questions given 99. (a) benefit (b) easier (c) reckless
below them. (d) disorganized (e) secure
A. Researchers from the University of Basel’s Department of 100. (a) sense (b) confidence
Biomedicine have reported the molecular B. In the (c) challenge (d) doubt (e) believe
journal Nature Communications.
C. Penetrate the surrounding tissue and form metastases in SOLUTIONS
peripheral organs.
D. This allows them to leave the primary tumour,
Directions (1-5):
E. Networks that regulate this process,
1. (e);
F. Cancer cells can reactivate a cellular process that is an
essential part of embryonic development.
88. Which of the following would be the FIRST statements
after rearrangement? 2. (c);
(a) A (b) F (c) C
(d) D (e) E
89. Which of the following would be the SECOND statements
after rearrangement? 3. (a);
(a) A (b) B (c) C
(d) D (e) E
90. Which of the following would be the FOURTH statements
after rearrangement?
(a) A (b) B (c) C 4. (b);
(d) D (e) E
91. Which of the following would be the SIXTH (last)
statements after rearrangement?
(a) A (b) B (c) C 5. (d);
(d) D (e) E
92. Which of the following would be the THIRD statements
after rearrangement?
(a) A (b) F (c) C Directions (6-10):
(d) D (e) E
BOX COLOUR CONTAINS (ITEM)
Directions (93–100): In the following passage there are
blanks, each of which has been numbered. These numbers M BLUE Cold Drinks
O VIOLET Chocolate

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S ORANGE Spices 19. (d);

N RED Stationary 20. (b);
P BLACK Mobile 21. (e);
R YELLOW Coffee 22. (e);
23. (b);
Q PINK Tea Bags 24. (d); CD2 =102-62
6. (c); CD=8
7. (a); CE= 8+6=14m
8. (a);
9. (d);
10. (a);
Directions (11-13):

25. (a); Rank of Rohit from the left is (45-20+1) = 26th

Rahul’s rank from the left is 16 th so there are 9
11. (d)
students sitting between them so the rank of Aman
12. (b)
13. (e) is 21st fromleft.
Directions (26-30):
26. (a) I. E >A (True) II. E ≥ B (false)
Directions (14-18): 27. (b); I. Q = K (false) II. Q > K (True)
FLOOR PERSON COLOUR 28. (d); I. Q > B (false) II. B > Q (false)
8 A BLUE 29. (e); I. L > Q (True) II. X < L (True)
7 H RED 30. (c); I. M >J (false) II. J = M (false)
6 E ORANGE
5 B BLACK Directions (31-35):
4 F YELLOW
3 D BROWN
2 G GREEN
1 C PINK
14. (a);
15. (d);
16. (e);
17. (b);
18. (c); 31. (d);
Directions (19-23): 32. (b);
33. (a);
34. (e);
35. (c);

NUMERICAL ABILITY
400
36. (c); ? ≃ + 4³ – 92 ≃ 22 ? = 16 ÷ 4
8
?= 4
37. (b); ? ≃ 11 × 343 ÷ 49 – 28 41. (d); Let Cost price is Rs x

? ≃ 49 Therefore,
38. (d) ? = 50 × 800 – 30 × 650 840-x = 2(x-600)
100 100
? ≃ 205 Therefore,
39. (a) ? 1≃× 300 ÷ 11 + 4 40. (c); ? ≈ (√121 + √25) ÷ (√784 − √576)
3
? ≃ 13
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x = Rs 680
42. (c); Correct average = 4 × 75 – 69 – 86 + 96 + 68
4
= 77.25

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43. (d); Let Amit’s income is Rs. 100 ? = √900

Initial savings by Amit =Rs 25 110 ? = 3309 400 3

New income = Rs. 120, New expenditure = 75 × 58. (b); ? = ×

100 100
+ 580 × − 145
13 4
= 82.5 rupee = 302
∴ Now, savings = 120 – 82.5 5 13 36

59. (c); ? = × ( × × 55)

= Rs. 37.5 9
= 260 5 11
∴percentage increase in savings = 37.5 − 25 × 100 60. (a); ? +1 + 1
25
= 50% 2
1+
5
5
44. (c); Required rate = 3 1×60 =1+
8 100 7
5
= 3 rupee per lemon =1
5 7
46. (a); Total sum = 2500 × 16 61. (b); Required average = 1× (4×13 + 3 × 15.5 + 12 × 6)
2 3
= 20,000 = 56.833
46. (b);Total no. of ways = 5!× 2! ≃ 57 lakhs (approx)
2!
= 120 62. (c); Required percentage = 1× 100
2
47. (d); Required probability = 4𝐶3 = 4× 3×2
= 1 = 50% more
12𝐶3 12 × 11 × 10 55 63. (d); No. of women in year 2000
48. (b); Let C invests Rs. x = 4× 143 = 52 lakh

(A’s profit) : (B’s profit) : (C’s profit) = (x + 9000) : 11

2
(x + 5000) : x In year 2001 = ×
5
145 = 58 lakh
& 3x + 14000 = 50000 3
In year 2002 = 88× 124 = 46.5 lakh
⇒ x = 12000
21 In year 2003 = × 136 = 64 lakh
1 2
∴ A’s profit = 21 + 17 + 12 × 35000 In year 2004 = 1 7× 150 = 72 lakh
= 14700 rupees 25

1 1 1
49. (a); (A + B + C)’s one day work = 1 ( + + ) ∴ No. of women is min. in year 2002.
2 12
1
15 20 64. (a); Required difference = (3 × 29 + 9 × 8) – (13 × 4 +
= 10 12 × 6)
1 1
A’s one day work = 1 − = = 159 – 124
10 15 30
∴ A can complete the work in 30 days alone. = 35 lakhs
50. (b); Let one year before, the age of person was x years 65. (d); Required percentage = 5 × 15.5 ×100
8×8
∴age of son 1 year before = 𝑥 years = 121.09%
4
According to the questions, ≃ 121% (approximately)
𝑥 66. (b); Pattern is—
(𝑥 + 7) = 2 ( + 7) + 9 × 3 2 , × 3 3 , × 3 4 , × 3 5. . . . . .
4
⇒ x = 32 years 1836

∴ratio of their current ages = 33 : 9 = 11 : 3

51. (c); ? × 48 = 332 + 52
⇒ ? = 384
48
⇒?=8
52. (c); 3?+3 = 39
⇒?=6
53. .(a); ? = 1.0089
12
54. (d); ? = 7× 43 × × 84
3 8 21
= 602
55. (a); ? = 21696-18780
? = 2916
56. (c); ? = (153 + 147)
? = 300
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 P a g e | 87

∴ wrong term = 121 ∴ Wrong term is 970

67. (c); Patternis— 70. (c); Patternis—
× 3 – 2, × 4 – 2, × 5 – 2, × 6 – 2, . . . . . 120÷ 5 = 24
68. (a) Patternis— 24÷ 4 = 6
–11, –33, –55, –77, –99 6÷ 3 = 2 ≠ 4
69. (d); Pattern is— 2÷ 2 = 1
1÷ 1 = 1
∴ Wrong term = 4
57. (e); ? = √( 4×3
− 3) × 6

ENGLISH LANGUAGE

71. (b); Refer to the Ist sentence of para 1 ‘Govind’s father straightaway after listening to Govind as he
........................ left large tract of land to Govind’. understood his character.
72. (c); Refer to the 3rd sentence of para 2 “To his
surprise.................into gold”. He concocted this plan

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 P a g e | 88

72. (d); Refer to the last two sentences of para 1 of the

passage. His wife was worried that soon they will be
poor as Govind was not working hard.
74. (e); None of these is the correct choice as none of the
statements can be implied from the givenpassage.
75. (e); Refer to the sixth sentence of para 2 of the passage
‘You have ................ during winter’. It is not the logical
choice but it was the reason in his mind which made
him cultivate a banana crop.
76. (b); Refer to the third last sentence of para 3 of the
passage.
77. (c); Refer to the para 3 of the passage. ‘She would
take .............. a good price’
78. (a); Refer to the third last sentence ‘people
took cheated him’ of the para 1 of thepassage.
79. (c); The word spend (verb) means to pay out, to emplay
(labour, time etc.) on some objects. For instance, How
do you spend your leissure-time? Similarly, the word
devote (verb) means to give time and energy to
something. For instance, He is devoted to his studies.
Thus, spend and devote are synonymous.
80. (d); The word lie (verb) means be at rest. For instance, She
is lying on the bed. Similarly, the word remain (verb)
means continue to stay. For instance, Twenty pens
were distributed and the remaining were returned.
Thus, lying and remaining are synonymous.
81. (e); All the given words are correct.
82. (d); Use ‘divided’ instead of ‘dividend’.
83. (a); Use ‘agreed’ properly for ‘consented’.
84. (b); Use ‘file’ instead of ‘fill’.
85. (c); Apply ‘funds’ for‘investment’.
86. (a);
87. (b)
Direction (88-92): The correct sequence is FDCAEB
88. (b);
89. (d);
90. (a);
91. (b);
92. (c);
93. (d);
94. (c);
95. (a);
96. (a);
97. (b);
98. (c);
99. (b);
100. (b);

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