IBPS Clerk Previous Year Exam Papers PDF

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EXAM PAPER IBPS Clerk Common Written Exam (Held on: 20-12-2015)
SOLVED PAPER
IBPS Clerk Common Written Exam
REASONING
Directions (1-5): Study the following arrangement
carefully and answer the given questions.
1. If all the symbols are dropped from the
arrangement, then which will be the eleventh
element from the right end of the given
arrangement?
(1) 9
(2) G
(3) D
(4) 5
(5) P
2. How many such symbols are there in the
given arrangement each of which is
immediately followed by a letter and also
immediately preceded by a number?
(1) More than three (2) Two
(3) Three
(4) None
(5) One
3. Which of the following is sixth to the left of
the fourteenth from the left end of the given
arrangement?
(1) b
(2) *
(3) U
(4) Z
(5) 4
4. What should come in place of the question
mark (?) in the following series based on the
given arrangement?
UXT 3ZU 4PQ G5J ?
(1) W 2 b
(2) 6%8
(3) 6 % +
(4) QXZ
(5) & 8 +
5. Four of the following five are alike in a certain
way based on their positions in the given

arrangement and so form a group. Which is
the one that does not belong to the group?
(1) TW3
(2) @%7
(3) G9D
(4) P3U
(5) $9Q
Directions (6-10): The questions is based on the five
three-digit numbers given below.
476 538 289 814 753
6. Which of the following is the second digit of
the three digit number obtained by
subtracting the lowest number from the
highest number?
(1) 2
(2) 3
(3) 4
(4) 6
(5) 7
7. If 1 is added to the first digit in each number
and then the position of the first and the
third digits are interchanged. Which of the
following will be the third digit of the second
highest number thus formed?
(1) 6
(2) 4
(3) 2
(4) 8
(5) 7
8. In which of these digits, the sum of all the
three digits is an even number?
(1) 753
(2) 538
(3) 269
(4) 476
(5) 814
9. Which of the following is the sum of the
second and third digits of the second lowest
number?
.
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(1) 12
(3) 91
(5) 13
(2) 15
(4) 11
10. If 1 is subtracted from third digit in the each

number and the position of the first and third
digits are interchanged. Which of the
following will be the first digit of the third
(1) 3
(2) 5
(3) 7
(4) 8
(5) 9
Directions (11-15): In these questions, the symbols
@, %, , $ and # are used with the following meaning
as illustrated below.
P @ Q means P is neither smaller than nor
equal to Q.
P % Q means P is neither greater than nor
equal to Q.
P Q means P is not greater than Q.
P $ Q means P is not smaller than Q.
P # Q means P is neither smaller nor greater
than Q.
Assuming the given statements to be true,
find which conclusion is definitely true.
11. Statements H@K, K%M, MP
Conclusions
I. H @ D
II. K % D
(1) Either conclusion I or II is true
(2) Only conclusion I is true
(3) Neither conclusion I nor II is true
(4) Only conclusion II is true
(5) Both conclusions I and II are true
12. Statements R % H, H T, T @ K
Conclusions
I. T R II. K % H
13. Statements R D, D $ M, M # J
Conclusions
I. J # D
II. J % D
(1)
(2)
(3)
(4)
(5)
Either conclusion I or II is true

Only conclusion I is true
Neither conclusion I nor II is true
Only conclusion II is true
Both conclusions I and II are true
14. Statements W # D, Z B, B $ H
Conclusions
I. H # Z
II. B % W
15. Statements F $ N, N @ D, D % B
Conclusions
I. F @ D
II. B @ N
Directions (16-20): In these questions, two
statements followed by two conclusions numbered I and
II have been given. Decide which of the givenconclusions
logically follows the given statements disregarding
commonly known facts.
16. Statements All buses are cars.
All scooters are buses.
Conclusions
I. No scooter is a bus.
II. All cars are buses.
(1) Either conclusion l or II is true
17. Statements No auditorium is hall.
All theatres are halls.
Conclusions
I. No auditorium is a theatre.
II. All halls are theatres.


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18. Statements Some drugs are medicines.

No medicine is a treatment.
Conclusions
I. All treatments being drugs is a
possibility.
II. All drugs can never be treatments.
19. Statements Some cameras are photos.
All cameras are snaps.
Conclusions
I. All snaps are photos.
II. Some snaps are photos.
20. Statements Some computers are tablets.
Some laptops are computers.
Conclusions
I. No laptop is a tablet.
II. All tablets being computers is a
possibility.
Directions (21-25): Study the following information
carefully and answer the given questions. Eight friends
L, M, N, O, P, Q. Rand S are sitting around a square table
in such a way that four of them sit at four corners of the
square while four sit in the middle of each of the four
sides. The ones who sit at the four sides face outside while
those who sit in the middle of the sides face the centre.
Only one person sits between Land Q. L sits at middle of
oneof the series. O sits third to the right of Q. Both Rand
S are immediate neighbours of L. M sits second to left of
N. N is neither an immediate neighbour of Q nor S.

way and so form a group. Which is the one
that does not belong to that group?
(1) L
(2) R
(3) 8
(4) O
(5) P
22. Who sits third to the left of Q?
(1) M
(2) S
(3) R
(4) N
(5) P
23. How many people sit between M and S when
counted from the right hand side of S?
(1) One
(2) Three
(3) None
(4) Two
(5) Four
24. Which of the following is true regarding P?
(1) P sits exactly between M and N
(2) O sits second to right of P
(3) None of the given options is true
(4) L sits immediate right of P
(5) Q is an immediate neighbour of P
25. What is the position of P with respect to S?
(1) Fourth to the left
(2) Second to the right
(3) Second to tlie left
(4) Third to the right
(5) Third to the left
Directions (26-30): Study the informationand answer
the given questions.
In a certain code language
work never goes waste is written as rb mk
ni tj.
never waste your time is written as ni ap sy
rb.
focus on your work is written as mk ap cn
or.
focus goes with time is written as sy tj en
ke.
(All the codes are two letter codes only)
26. In the given code language, what does the
code tj stand for?
(1) never
(2) goes
(3) on
(4) work
(5) waste


27. What is the code for focus in the given code
language?
(1) ap
(2) ni
(3) sy
(4) cn
(5) mk
28. What is the code for time in the given code
language?
(1) tj
(2) sy
(3) ni
(4) cn
(5) rb
29. Which of the possibly means work on
projects?
(1) sy cn tj
(2) gt cn or
(3) mk gt or
(4) mk cn gt
(5) mk or sy
30. In the given code language, what does the
code rb stand for?
(1) Either never or waste
(2) goes
(3) your
(4) work
(5) time
Directions (31-35): Study the following information
to answer the given questions.
Ten people are sitting in two parallel rows
having five people each, in such a way that there is
an equal distance between adjacent person. In row
l-V; W. X, Y and Z are seated (but not necessarily in
the same order) and all of them are facing North. In
row 2-F, G, H, I and J are seated (but not necessarily
in the same order) and all of them are facing South.
Therefore, in the given seating arrangement, each
member seated ina row faces another member of the
other row. Y sits third to the left of W The one who
faces Y sits second to the right of F. Only one person
sits between F and 1. Hand J are immediate
neighbours of each other. J does not sit at any of the
extreme ends of the line. The one faces G sits to the
immediate right of Z. X is not an immediate
neighbour of Z.
31. Who amongst the following faces H?
(1) Y
(2) V
(3) Z
(4) W
(5) X
32. Who amongst the following sits to the
immediate left of the person who sits exactly
in the middle of row 2?
(1) J
(2) H
(3) I
(4) G
(5) F

way based on the given seating arrangement
and thus form a group. Which is the one that
does not belong to that group?
(1) H
(2) I
(3) W
(4) Y
(5) X
34. Who amongst the following sits third to the
right of the person who faces X?
(1) G
(2) F
(3) J
(4) I
(5) H
35. Which of the following is true regarding V?
(1) V faces I
(2) An immediate neighbour of V faces F
(3) X is an immediate neighbour of V
(4) W sits to immediate right of V
(5) None of the given options is true
Directions (36-40): These questions consist of a
question and two statements numbered I and II below
it. You have to decide whether the data given in the
statements are sufficient to answer the questions. Read
the statements and choose the most appropriate option.
36. In a straight line of eight people (all facing
North), what is the position of R from the left
end?
I. Y stands fourth from the right end of the
line. Only two people stand between Y
and Z. R stands to the immediate right
of Z.
II. W stands fourth from the left end of the
line. R is an immediate nieighbour of W.
(1) The data in statement I alone are
sufficient to answer the question while
the data in statement II are not
sufficient to answer the question
(2) The data in both statements I and II
together are necessary to answer the
question
(3) The data even in both statements I and
II together are not sufficient to answer
the question
(4) The data either in statement I or II alone
are sufficient to answer the question
(5) The data in statement II alone are
the data in statement I are not sufficient


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to answer the question
37. Among four friends W, X, Y and Z (each

having different number of cookies), who has
the most number of cookies?
I. W has lesser number of cookies than Z.
Y does not have the most number of
cookies.
II. W has more cookies than Y. X does not
have the most number of cookies.
question
(3) The data even in both statements. I and
the question
38. In a code language my dear family is coded
as 624. Which number stands for dear?
I. In the same code language my small
family is coded as 256.
II. In the same code language, dear family
friend is coded as 647?
(1) The data in statement I alone. are
question
the question

39. How is P related to Q?
I. Q is the mother of T. M is the only sibling
of T. H is the daughter of M and P.
II. M is married to P. T is the brother of M.
Q is the brother of T.
question
the question
40. How many students attended the cultural
fair of the college?
I. The number of students attending the
cultural fair was twice the number of
female students.
II. The number of female students
attending the cultural fair was 25 more
than that in the previous year.
sufficient to answer the, question while
question
the question


COMPUTER KNOWLEDGE
41. ...... refers to the unauthorized copying and
distribution of software.
(1) Hacking
(2) Software piracy
(3) Software literacy
(4) Cracking
(5) Copyright
42. Which of the following is an operating
system?
(1) Umlx
(2) Debugger
(3) Mozilla
(4) Google Chrome
(5) Intel 8085
43. A collection of programs that controls how
your computer system runs and processes
information is called
(1) operating system
(2) computer
(3) office
(4) compiler
(5) interpreter
44. Which of the following statements is a false
conceiving file names?
(1) Every file in the same folder must have
a unique name
(2) The file name comes before the dot (.)
(3) File extension is another name for the
type
(4) The file extension comes before the dot
(.) followed by the file name
(5) Files may share the same name or the
same extension, but not both at the
same time
45. Which is not a storage device?
(1) Printer
(2) CD
(3) Hard Disk
(4) Floppy Disk
(5) DVD
46. ........ tags, placed on animals body can be
used to record and track in a database all of
the animals movements.
(1) pas
(2) RFID
(3) PPS
(4) GPS
(5) Other than those given as options
47. Which of the following cables can transmit

data at high speeds?
(1) Flat cables
(2) Coaxial cable
(3) Optic fibre cable
(4) Twisted pair cable
(5) UTP cable
48. The hardware device or software program
that sends messages between networks is
known as a
(1) bridge
(2) backbone
(3) router
(4) gateway
49. If you are performing Windows 98 operating
system to Windows XP you are performing
a(n)
(1) push up
(2) China
(3) patch
(4) pull down
(5) update
50. . . . . . . . . . technology enables you to carry a
powerful navigational aid in websites.
(1) Convergence
(2) Locator
(3) Sampling rate (4) Synchronization
(5) Global Positioning System
51. Which of the following is not true about
RAM?
(1) RAM is the same as hard disk storage
(2) RAM is a temporary storage area
(3) RAM is volatile
(4) RAM stands for Random Access Memory
(5) Information stored in RAM is gone when
you, turn the computer off
52. All of the following are examples of real
security and privacy risks EXCEPT
(1) spyware
(2) spam
(3) hackers
(4) identity theft
(5) viruses
53. Which of the following commands in Office
2007, can be used to go to the first cell in the
current row?


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(1)
(2)
(3)
(4)
(5)
Tab
Shift + Tab
Esc + Home
Shift + Home
Home
54. Software such as Viruses, Worms and Trojan

Horses that has a malicious content, is
known as
(1) malicious software (malware)
(2) adware
(3) shareware
(4) spyware
(5) firewall
55. Chip is a common nickname for a(n)
(1) transistor
(2) resistor
(3) integrated circuit
(4) semi-conductor
60. . . . . . . . .. can interpret voice data into words

that can be understood by the computer.
(1) Speech input hardware
(2) Speech recognition software
(3) Word recognition software
(4) Talking software
61. Oracle is a(n)
(1) hardware
(2) high level language
(4) system software
(5) RDBMS
62. Which of the following company developed
the microprocessor?
(1) Intel
(2) IBM
(3) Microsoft
(4) Apple
(5) Google
56. What is extension of Microsoft Word

document?
(1) doc
(2) ppt
(3) dcc
(4) bd
(5) hml
63. What does ALU in computing denote?

(1) Application and Logic Unit
(2) Algorithm Logic Unit
(3) Arithmetic Layered Unit
(4) Arithmetic Legal Unit
(5) Arithmetic Logic Unit
57. Which of the following enables to determine

how often a user visited a website?
(1) Hackers
(2) Spammers
(3) Phish
(4) Identity thefts
(5) Cookies
64. Integrated Circuit (IC) chips used in

computers are made with
(1) copper
(2) aluminium
(3) gold
(4) silicon
(5) silver
58. To move to the bottom of a document while

working on MS Word, which command is
used?
(1) Home key
(2) End key
(3) Ctrl + Page Down(4) Insert key
(5) Ctrl key + End key
65. What does the computer abbreviation MB

used for?
(1) Mega Bit
(2) Million Bytes
(3) Mega Bytes
(4) Million Bit
(5) Micro Bytes
59. What is a person called who uses a computer

to cause harm to people or destroy critical
systems?
(1) Cyber Terrorist
(2) Black-hat Hacker
(3) Cyber Cracker (4) Hacktivist
66. What is the full form of HTTP?

(1) Hyper Text Transfer Protocol
(2) Hyper Text Transition Protocol
(3) Hyper Text Transfer Program
(4) Hyper Text Transition Program
(5) Hyper Text Trivial Protocol


67. Verification of a login name and password is
known as
(1) configuration
(2) accessibility
(3) authentication
(4) logging in
68. Which of the following is software?
(1) Keyboard
(2) Internet Explorer
(3) Scanner
(4) Mouse
(5) Printer
69. The term bit is short for
(1) binary digit
(2) binary number
(3) binary language
(4) small digit
(5) one byte
70. What does MICR stand for?
(1) Magnetic Ink Character Register
(2) Magnetic Ink Code Reader
(3) Magnetic Ink Code Register
(4) Magnetic Ink Character Recognition
(5) Magnetic Ink Cases Reader
71. RTGS stands for
(1) Real Time Gross Settlement
(2) Real Time General Settlement
(3) Run Time Gross Settlement
(4) Regular Time General Settlement
(5) Regular Time Gross Settlement
72. A device that converts from decimal to binary
number is known as
(1) instructor
(2) decoder
(3) AND gate
(4) converter
(5) decoder
73. What does the acronym ASCI stands for?
(1) American
Standard
Code
for
Information Interchanger
(2) American
Standard
Code
for
Information Interchange
(3) American Standardised Code for
(4) American Standardisation Code for
(5) American Standardisation Code for
Information Interchanger
74. Which of the following is not a valid formula
in Microsoft Excel?
(1) =A2+A1
(2) =A2+1
(3) = 1 + A2
(4) =1A+2
(5) =A1 +A2
75. What does the acronym ISP stand for?
(1) Internal Service Provider
(2) International Service Provider
(3) Internet Service Provider
(4) Internet Service Providing
(5) Internet Service Provision
76. What is the full form of WWW?
(1) Work Wide Web
(2) World Wide Web
(3) World With Web
(4) World Wide Wet
(5) World Weak Web
77. Which of the following is hardware?
(1) Assembler
(2) Server
(3) Compiler
(4) Interpreter
(5) Operating System
78. USB in data cables stands for
(1) Unicode Smart Bus
(2) Universal Structural Bus
(3) Unicode Serial Bus
(4) Universal Smart Bus
(5) Universal Serial Bus
79. Which of the following is not a binary
number?
(1) 11101
(2) 110
(3) 233
(4) 1001
(5) 100110
80. Ais approximately one billion bytes.
(1) megabyte
(2) kilobyte
(3) terabyte
(4) gigabyte
(5) bit


9
ENGLISH LANGAUGE
Directions (81-85): Choose the best word that fits in
the meaning of both the sentences to make them
grammatically correct and coherent.
81. I. Governments in these countries should
create education systems since . good
schools the bulk of people entering the world
force will not have the skills they need.
II. We cannot process colour, details of rapid
changes in our surroundings .... the cone
shaped cells packed around the centre of the
retina.
(1) lack
(2) missing
(3) eficient
(4) without
(5) absence
82. I. Japan is investing in strengthening bonds
with ASEAN countries and Japanese
countries recently won a $ 370 million
contract to start. a new underground
railway system in Jakarta.
II. The cost ofspace vehicles is high no doubt,
but the costs of complying with legal and
regulatory paperwork and rules is huge too.
(1) construction
(2) manufacture
(3) launch
(4) assembly
(5) building
83. I. A troubled student and his PhD guide ........
a way for websites to reduce the incidence of
spam which troubled internet users in the
2000s.
II. One of the biggest drawback of concrete is
that it often develop cracks and scientists
have now . self-healing concrete.
(1) create
(2) devised
(3) develop
(4) thought
(5) invent
84. I. Politicians have promised to ....... the goal
of eradicating extreme poverty many times
but have failed because they cannot agree
about what exactly counts as poverty and
how exactly to measure it.
II. Reserve Bank hoped that a cut in its
benchmark rate will . a reduction in
inflation and improve confidence in the

economy.
(1) achieve
(2) get
(3) end
(4) finish
(5) undertake
85. 1. According to some experts, subsidising
crop insurance to a large extent may be bad
for the environment since farmers may take
.......... such as farming on food plains or sleep
hills.
II. In the 1990s, Germany was known as the
sick man of Europe and had high
unemployment but its success today is on
account of the huge ........ it took in reforming
the labour market
(1) danger
(2) chance
(3) possibility
(4) risks
(5) threats
Directions (86-90): Arrange the following five
sentences A, B, C, D and E in the proper sequence to form
a meaningful paragraph and then answer the given
questions.
A. If you are transitioning from products to
services or vice-versa, you have to know and
understand these differences to effectively
promote and sell.
B. For example, a product is tangible, which
means the customer can touch and see the
product before deciding to make a purchase
and a service is intangible.
C. Understanding the different changes in
product and service marketing can help you
establish the right approach for this
transition.
D. Unless you understand the basic difference of
tangibility, it will be a challenge to promote
and sell your product.
E. Companies that are marketing a product face
different challenges compared to those that
are promoting a service.
86. Which of the following should be the FIFTH
(LAST) sentence after the rearrangement?
(1) A (2) E
(3) D (4) C
(5) B


87. Which of the following should be the FIRST
sentence after the rearrangement?
(1) A (2) B
(3) C
(4) D
(5) E
88. Which of the following should be the
SECOND sentence after the rearrangement?
(1) A (2) B
(3) C
(4) D
(5) E
89. Which of the following should be the THIRD
sentence after the rearrangement?
(1) A (2) B
(3) C
(4) D
(5) E
90. Which of the following should be the
FOURTH sentence after the rearrangement?
(1) A (2) B
(3) C
(4) D
(5) E
Directions (91-95): Which of the phrases givenbelow
the sentence shouldreplacethe word/phrase given in bold
in sentence to make it grammatically correct? If the
sentence is correct as it is given and no correction is
required, mark No correction required as the answer.
91. In order to look taller, we should use pencil
heels instead block heels.
(1) instead of
(2) despite
(3) in spite of
(4) neither
(5) No correction required
92. This move is expected for mitigate the effects
of a depleting water by making use of surface
or canal water.
(1) expects of
(2) is expectation of
(3) is expected to (4) is expectant to
93. Do you know that dressing properly for an
interview can earns you those brownie extra
points which will help you get that dream
job?
(1) can earn
(2) will earning
(3) earned
(4) well earns
94. The craze for private hands has caught the
fancy of the citys residents.
(1) catch the fancily
(2) caught fancily
(3) catching fancy
(4) catch fancy
10
95. The trend of wearing boots in something that

has most sure come around this season.
(1) most surely
(2) very certainly
(3) very sure
(4) most certainly
Directions (96-105): Read the following passage
carefully and answer the questions given below it.
Do you ever feel there is a greater being inside
of you bursting to get out? It is the voice that
encourages you to really make something of your life.
When you act congruently with that voice, its like
you are a whole new person. You are bold and
courageous. You are strong. You are unstoppable.
But, then realitysets in and soonthose moments are
history. It is not hard to put yourself temporarily
into an emotionally motivated state Just listen to
that motivational song for that matter. However,
this motivation does not stay forever. Your great
ideas seem impractical. How many times have you
been temporarily inspired with an idea like, I want
to start my own business. And then a week later its
forgotten. You come up with inspiring ideas when
you are motivated. But you fail to maintain that
motivation through the action phase.
The problem we ask ourselves is, why does this
happen? You can listen to hundreds of motivational
speakers and experience an emotional yo-yo effect,
but it does not last. The problem is that as we are
intellectually guided, we try to find logic in
emotional motivation and as we fail to find logic it
eventually phases out. 1 used to get frustrated when
my emotional motivation fizzled out after a while.
Eventually, I realised that being guided by intellect,
was not such a bad thing after all. 1 just had to learn
to use my mind as an effective motivational tool. 1
figured that if1 was not feeling motivated to go after
a particular goal, may be there was a logical reason
for it. I noted that when 1 had strong intellectual
reasons for doing something, 1 usually did not have
trouble taking action. But when my mind thinks a
goal is wrong on some level. I usually feel blocked. I
eventually realised that this was my minds way of
telling me the goal was a mistake to begin with.


11
Sometimes a goal seems to make sense on one level

but when you look further upstream, it becomes
clear that the goal is ill advised. Suppose you work
in sales and you get a goal to increase your income
by 20% by becoming a more effective salesperson.
That seems like a reasonable and intelligent goal. But
may be you are surprised to find yourself
encountering all sorts of internal blocks when you
try to pursue it. You should feel motivated, but you
just dont. The problem may be that ona deeper level
your mind knows you dont want to be working in
sales at all. You really want to be a musician. No
matter how hard you push yourself in sales career,
it will always be a motivational dead end.
Further when you set goals, that are too small
and too timid, you suffer a perpetual lack of
motivation. You just need to summon the courage to
acknowledge your true desires. Then you will have
to deal with the self-doubt and fear thats been
making you think too small. Ironically, the real key
to motivation is to set the goals that scare you. You
are letting fears, excuses and limiting beliefs hold
you back. Your subconscious mind knows you are
strong, so it wont provide any motivational fuel
until you step up, face your fears, and acknowledge
your hearts desire. Once you finally decide to face
your fears and drop the excuses, then you will find
your motivation turning on full blast.
96. What does the author want to convey when
he says, When you look further upstream, it
becomes clear that the goal is ill advised?
(1) When you analyse your goal closely you
realise that it is not what you thought it
would be
(2) When you work towards dealing with
your problems eventually they disappear
(3) When you inspect the problem you
realise that the solution is within our
reach
(4) When you devise a method of motivating
self you must keep analysing it
periodically
(5) When you face a problem you realise
your incapability of making good
decisions.
97. Which of the following is/are true in the

context of the passage?
A. Many a time, although we are motivated
at the start, we fail to keep up the
motivation while working towards the
goal.
B. We can learn to use our mind as a
motivational tool.
C. Being guided by intellect is very bad.
(1) A and B
(2) Band C
(3) Only A
(4) A and C
(5) All of these
98. According to the passage, the key to
motivation is
A. setting challenging goals.
B. not letting our fears pull us back.
C. changing our goals periodically.
(1) A and B
(2) Only C
(3) Only B
(4) A and C
(5) All of these
99. Which of the following is most nearly the
same in meaning tothe word as used in the
passage?
Timid
(1) Sudden
(3) Humble
(5) Egoistic
(2) Scared
(4) Distant
100. Which of the following is/are not true in the

context of the passage?
A. Although a goal may look intellectual, it
may not actually work for us.
B. Our subconscious mind will not
motivate us unless we face our fears.
C. The only way to keep yourself motivated
throughout is by listening to many
motivational speakers.
(1) Band C
(2) Only C
(3) Only A
(4) A and B
(5) Only B
101. According to the passage, the author found it
difficult to be motivated because
A. he was not intellectually motivated
B. he wanted to take the easy way out.
C. he did not push himself hard enough.
(1) A and B
(2) Only C


(3) Only A
(4) A and C
(5) Only B
102. Which of the following is most nearly the
same in meaning to the word as used in the
passage?
Congruently
(1) Periodically
(3) In addition
(5) In agreement
(2) In deluson
(4) Progressively
103. What does the author mean when he says, It

eventually phases out?
(1) We need continuous practice in phases
to retain it
(2) It reduces because of lack of practice
(3) We become self-motivated with time
(4) It goes after a period of time passes
(5) It improves after a certain period passes
104. Which of the following can be an appropriate
title for the passage?
(1) Living Life With Success
(2) Why Dont We Feel Motivated?
(3) Our Only Aim-Success
(4) How to Achieve Intellectual Success
(5) Feel Motivated-Feel Superior
105. According to the passage, what does the
author say about emotional motivation?
A. It tends to be temporary.
B. It promises our negativity.
C. It has the potential to inspire us.
(1) A and B
(2) Only B
(3) Only A
(4) A and C
(5) All of these
Directions (106-110): Read each of the following
sentences to find out whether there is any grammatical
mistakes/error in it. The error, if any will be in one part
of the sentence. Mark the part with the error as your
answer. If there is no error, mark No error as your
answer. (Ignore the errors of punctuation, if any)
106. More than scoring points for / choosing the
colour, the actress creating a fluffed / with
the mini cape that she wore / to match her
dress.
(1) More than scoring points for
12
(2) choosing the colour, the actress creating

a fluffed
(3) with the mini cape that she wore
(4) to match her dress
(5) No error
107. Winter is / the best / season to / explored the
outdoors.
(1) Winter is
(2) the best
(3) season to
(4) explored the outdoors
(5) No error
108. The technology sepses / how a hand shakes
/ and makes instant adjustments / to stay
balanced.
(1) The technology senses
(2) how a hand shakes
(3) and makes instant adjustments
(4) to stay balanced
(5) No error
109. With the water project moving / a step closer
to feasibility, / city residents can soon /
expect for sufficient water supply.
(1) With the water project moving
(2) a step closer to feasibility,
(3) city residents can soon
(4) expect for sufficient water supply
(5) No error
110. We are in the final stages / of resolve the
issue / which has been pending / for over two
years.
(1) We are in the final stages
(2) of resolve the issue
(3) which has been pending
(4) for over two years
(5) No error
Directions (111-120) In the given passage; there are
blanks, each of which hasbeennumbered These numbers
are printed below the passage and against each, five
words are suggested, one of which fits the blank
appropriately. Find out the appropriate word in each
case.
The emergence of a cloud based banking will
affect banks big and small. Banks are expected to
spend almost $ 180 billion on IT this year. At


13
present, cloud based services make up a (111)

fraction of this amount but some estimates (112) by
financial services firms on the cloud will (113) $ 26
billion in 2015. This increase should (114) barriers
to entry for newcomers which can (115) modern IT
infrastructure at monthly fees of less than $ 10000
(116) having to invest tens of millions of dollars
upfront (117) build their own secure data entries
and it should (118) enable big banks to become much
more cost of (119). Small firms without traditional
computer systems to maintain are the fastest
movers. (120) can type documents, run
spreadsheets and read e-mails in the cloud. Keeping
track of clients, payments and loans can be done on
a cloud computing platform using a specially
banking software.
111. (1) largely
(2) tiny
(3) bit
(4) part
(5) less
112. (1) paying
(2) offering
(3) buying
(4) purchase
(5) spending
113. (1) sum
(2) come
(3) account
(4) costs
(5) total
114. (1) fall
(2) dropped
(3) lower
(4) sank
(5) maintain
115. (1) rent
(2) sold
(3) hired
(4) leased
(5) used
116. (1) other
(2) rather
(3) more
(4) further
(5) compared
117. (1) that
(2) for
(3) to
(4) try
(5) on
118. (1) both
(2) include
(3) always
(4) beside
(5) also
119. (1) effect
(2) efficient
(3) price
(4) ceiling
(5) subsidy
120. (1) Employees (2) Who
(3) How
(4) Worker
(5) Sub-ordinates
GENERAL KNOWLEDGE
121. India has recently signed a deal to build a $ 1
billion 900 MW hydro-power project on Arun
river with
(1) Bhutan
(2) Bangladesh
(3) Myanmar
(4) Nepal
(5) China
122. Indian player Anirban Lahiri is associated
with the game of
(1) rifle shooting
(2) golf
(3) billiards
(4) wrestling
(5) chess
123. The abbreviation ATS stand for
(1) Anti Terrorism Sensor
(2) Anti Terrorist Set-up
(3) Anti Terrorist System
(4) Anti Terrorism Squad
(5) Anti Terrorism Scheme
124. China has recently announced that it has
completed a major hydro-power darn in Tibet
over the river Yartung Zangbo known in
India as
(1) Indus river
(2) Brahmaputra rive
(3) Zanskar river
(4) Ranganadi rive
(5) Doyanq river
125. According to which of the following acts, a
fixed deposit in a bank should not be paid in
cash if it is Rs. 20000 and above?
(1) Wealth Tax Act
(2) RBI Act
(3) Income Tax Act
(4) Banking Regulation Act
(5) Negotiation Instruments Act
126. The Commonwealth Association for Public
Administration and Managements (CAP
AM) International Innovation Awards for
2014 has recently been conferred upon the
Indian State of
(1) Uttar Pradesh (2) Andhra Pradesh
(3) Gujarat
(4) Karnataka
(5) Maharashtra


127. In 2016, the Olympic Games shall be held in
(1) Beijing (China)
(2) Tokyo (Japan)
(3) Rio de Janeiro (Brazil)
(4) Seoul (South Korea)
(5) Bangkok (Thailand)
14
(4) ATMs, which are set-up by Reserve Bank

of India
(5) ATMs, which are installed by group of
bankers
128. Banks borrow money from the RBI at which

of the following rates?
(1) CRR
(2) Base Rate
(3) Repo Rate
(4) SLR
(5) Reverse Repo Rate
133. As per the recent press reports, RBI has

recently conveyed the in-principle approval
to open new bank. Which of the following
entity has received the permission?
(1) Tata Group
(2) L1C Housing Finance
(3) Anil Ambani Group
(4) Videocon Group
(5) IDFC
129. Which of the following is not an online travel

safe?
(1) Goibibo.com
(2) Thomascook.in
(3) Zomato.com
(4) Arzoo.com
(5) Expedia.co.in
134. Which of the following is present Chief

Economic Advisor of India?
(1) Pranjul Bhandari
(2) Dr. Prachi Mishra
(3) Arvind Subramanian
(4) Dr. Kaushik Basu
(5) Supriyo De
130. Under the PMJDY, the government is

looking to open at least . . . . . . . .. basic bank
accounts for unbanked tambles in the
country.
(1) 7.5 crore
(2) 1.8 crore
(3) 5.7 crore
(4) 3 crore
(5) 4.5 crore
135. By the year 2022, the Sardar Patel Urban

Housing Mission aims to build as many as
(1) 25 million houses
131. In order to achieve financial inclusion goals,

RBI has permitted opening of USBs. What is
the full form of USB?
(1) Urban Small Branch
(2) Unique Safety Branch
(3) Ultra Small Branch
(5) United Smaller Branches
132. As per cent press in India, White Label A TMs
are installed. What is meant by a white label
ATM?
(1) ATMs, which are set-up by non-banking
entities
(2) ATMs, which are white in colour
(3) ATMs, which are set-up by group of
foreign banks operating in India
136. The private sector banking space witnessed

its first consolidation move in four years.
Which of the following bank merger took
place recently?
(1) United Western Bank and IDBI Bank
(2) Ganesh Bank of Kurundwad and Federal
Bank
(3) ING Vysya Bank and Kotak Mahindra
Bank
(4) Bank of Rajasthan and ICICI Bank
(5) State Bank of Indore and State Bank of
India
137. Who bears the premium payable to the
insurance company under accidental
insurance cover under PMJDY scheme?
(1) Government of India
(2) 50% by account holder and rest by the
bank


15
(3) NPCI
(4) Account holder
(5) RBI
138. Buy Now Pay Now refers to which of the

following?
(1) Affinity Card
(2) Smart Card
(3) Business Card
(4) Credit Card
(5) Debit Card
139. The government of India has decided to
obser ve the birth anniversary of Sardar
Vallabbhai Patel on October 31, as
(1) Rashtriya Sankalp Diwas (National
Resolve Day)
(2) Rashtriya Shahidi Diwas (National
Martyrs Day)
(3) Rashtriya Sadbhavana Diwas (National
Solidarity Day)
(4) Rashtriya Ekta Diwas (National Unity
Day)
(5) Rashtriya Shiksha Diwas (National
Education Day)
140. The international day for Elimination of
Violence against Women is observed across
the world on
(1) December 15
(2) August 24
(3) June 24
(4) November 25
(5) September 24
141. Time limit for exchanging of pre- 2005 Indian
currency notes is
(1) April 1, 2015
(2) December 31, 2014
(3) January 1, 2015
(4) June 1, 2015
(5) September 1, 2015
142. Kangto also known as Kanggardo Rize is a
mountain in the Eastern Himalayas of India
and is highest peak in the State of
(1) Sikkim
(2) Arunachal Pradesh
(3) Jammu and Kashmir
(4) Uttarakhand
(5) Himachal Pradesh
143. The Parliamentary Constituency in Uttar

Pradesh represented in the 16th Lok Sabha
by Rajnath Singh, the Union Minister for
Home Affairs is
(1) Lucknow
(2) Mirzapur
(3) Kanpur
(4) Haidergarh
(5) Chandauli
144. Balances in deposit accounts which are not
operated for at least years are to be
transferred to the RBI.
(1) 2
(2) 7
(3) 12
(4) 5
(5) 10
145. The 18th SAARC meet was held in
November, 2014 at
(1) Dhaka (Bangladesh)
(2) Kathmandu (Nepal)
(3) Thirnphu (Bhutan)
(4) Colombo (Sri Lanka)
(5) New Delhi (India)
146. Many times we read about SHGs in financial
newspapers.
What is the full form of the term SHGs?
(1) Self Help Groups
(3) Small Help Groups
(4) Small Hope in Growths
(5) Self Hope Groups
147. Which of the following institutions provides
secured depository services?
(1) NSE
(2) RBI
(3) NSDL
(4) BSE
148. Which Indian woman sportsperson has
recently been appointed as the UN Goodwill
Ambassador for the South Asian region?
(1) Mary Kom
(2) Sania Mirza
(3) Sikha Tandon


(4) Jwala Gutta
(5) Dipika Pallikal
149. The United Nations Childrens Fund
(UNICEF)
(1) Washington DC (USA)
(2) Vienna (Austria)
(3) Paris (France)
(4) Geneva (Switzerland)
(5) New York City (USA)
150. IRNSS is an independent regional navigation
satellite system being developed by
(1) Japan
(2) the USA
(3) Brazil
(4) China
(5) India
151. The first Commonwealth
Conference was recently held in
(1) Singapore
(2) Bangalore (India)
(3) Glasgow (Scotland)
(4) Kuala Lumpur (Malaysia)
Science
152. Typhoon Rammasun is

(1) China
(2) Singapore
(3) India
(4) Japan
(5) Myanmar
153. The currency of Sultanate of Oman is
(1) Omani Rand
(2) Omani Rial
(3) Omani Dinar
(4) Omani Guilder
(5) Omani Shilling
154. Process of getting shares in an electronic
form of holding in a demat account is known
as
(1) Rematerialisation
(3) Dematerialisation
(4) Materialisation
(5) Mutilsation
155. Which of the following is the Capital of the
State of Kuwait?
(1)
(2)
(a)
(4)
(5)
16
Al Ahmadi
Al Jahra
Kuwait City
Al Salmiya
Hawalli
156. The Davis Cup is the premier international

team event in
(1) Mens Tennis
(2) Mens Hockey
(3) Mens Soccer
(4) Womens Hockey.
(5) Womens Cricket
157. The Sans ad Adarsh Gram Yojana has been
launched on October 11, 2014, the birth
anniversary of
(1) Jai Prakash Narayan
(2) Shyam Prasad Mukherji
(3) Lala Lajpat Rai
(4) Deen Dayal Upadhyaya
(5) Balraj Madhok
158. The Minister of State (Independent Charge)
for
Skill
Development
and
Entrepreneurship in the revamped Union
Council of Ministers is
(1) Mahesh Sharma
(2) Ravij Pratap Rudy
(3) JP Nadda
(4) Birender Singh
(5) Najma Heptulla
159. The theme of the next Pravasi Bhartiya Divas
to be held in the year 2015 is based on the
completion of the hundred years of Mahatma
Gandhis
(1) return to South Africa from India
(2) marriage with Kasturba Gandhi
(3) Quit India call to the British users
(4) return to India leaving South Africa
(5) founding the Natal Indian Congress
160. According to the 2011 census, the highest
literacy rate is recorded by
(1) Delhi
(2) Tripura
(3) Mizoram
(4) Kerala
(5) Goa


17
NUMERICAL ABILITY
161. In an examination, a student scores 6 marks
for every correct answer and loses 4 marks
for every wrong answer. If he attempted 80
questions and obtained 310 marks, how
many questions did he attempted correctly?
(1) 59
(2) 67
(3) 63
(4) 65
(5) 61
162. The diameter of a wheel is 49 m. How many
revolutions will it make to cover a distance of
3200 m?
(1) 17
(2) 27
(3) 24
(4) 22
(5) 18
163. The average run of a cricketer after 18
matches was 565. If he made 101 runs and
123 runs in 19th and 20th match
respectively. What is his new average run
after 20th match?
(1) 62.05
(2) 64.45
(3) 60.45
(4) 61.25
(5) 63.85
164. Two types of rice (type 1 and type 2) were
mixed in the respective ratio of 1 : 3. The
mixture was then sold at the rate of Rs. 75.60
per kg to gain a profit of 20%. If the price of
type 1 rice is Rs. 75 per kg, what is the price
of type 2 rice per kg?
(1) Rs. 55
(2) Rs. 53
(3) Rs. 59
(4) Rs. 57
(5) Rs. 62
165. Mr. Shahs monthly income is Rs. 54550. In
an entire year, he spends 32% of his annual
salaries on groceries, he spend 12% on
repairs and 10% he pays to his servant. If half
of the remaining amount he invests in fixed
deposits, what is the amount invested by him
in fixed deposits?
(1) Rs. 150558
(2) Rs. 155240
(3) Rs. 152610
(4) Rs. 158789
(5) Rs. 154336
3
166. Two pipes A and B can fill tank in 3 h when
7
opened simultaneously. If B alone can takes
2 h less than A alone takes to fill the tank
compleletely. How much does A alone take to
fill the tank?
(1) 8 h
(2) 12 h
(3) 4 h
(4) 6 h
(5) 10 h
167. A man can now 10.2 km downstream in 18
min. If the speed of the stream in 3.5 km/h,
how much time (in h) he would take to cover
121.5 km upstream?
(1) 4
1
2
(2) 3
(4) 5
1
2
(5)
(3) 4
1
2
168. The respective ratio of two numer is 16 : 21.

If the first number is increased by 30% and
the second number is decreased by 20%,
what will be the respective ratio of the first
and the second number?
(1) 32 : 21
(2) 26 : 21
(3) 25 : 21
(4) 20 : 21
(5) 22 : 21
169. A bag of fruits was distributed among 4
studens P, Q, R and S. P took 3/8th of the
fruits. Q took 1/5th of the remaining fruits
and the remaining fruits were equally
distributed among R and S. What fraction of
fruits did R get?
(1)
1
4
(2)
3
8
1
5
(4)
8
16
(5) Other than those given as optons
(3)
170. The present population of village P is 2.5

times the present population of village Q. If
after a year the population of village Q is
16537 and has been increased at a rate of
15%. What is the present population of
village P?


(1) 34740
(3) 36820
(5) 30350
(2) 38560
(4) 35950
two scheme (A and B) for two years. Scheme

A offers compound interest (compouned
annualy) at the rate of 10% per annum and
scheme B offers simple interest at the rate of
12% per annum. If the total interest earned
by him from both the scheme after two years
is Rs. 3504. How mauch much monty
(principal) did he invested in scheme B?
(1) Rs. 4800
(2) Rs. 4200
(3) Rs. 4600
(4) Rs. 4400
(5) Rs. 5200
Directions (171-175): What will come in place of

question mark (?) in the given number series?
171. 29 31
(1) 108
(3) 94
(5) 88
37
49
172. 13 13
(1) 233
(3) 234
(5) 239
20
37.5 83
?
(2) 216
(4) 235
173. 17 16
(1) 1735
(3) 1660
(5) 1715
30
174. 8
9.4
(1) 53.6
(3) 52.1
(5) 49.8
12.2 17.8 29
?
(2) 51.4
(4) 48.6
175. 26 12
(1) 72
(3) 74
(5) 78
11
87
69 ?
(2) 99
(4) 103
344 ?
(2) 1760
(4) 1685
15.5 30
(2) 68
(4) 82
176. Arunika brought some articles and sold half

of them at Rs. 22103 thereby making a profit
of 15%. At what price should sell the rest of
them so as to earn a total profit of 225%?
(1) Rs. 25947
(2) Rs. 23528
(3) Rs. 27130
(4) Rs. 24682
(5) Rs. 26240
177. The height of a triangle is equal to the
perimeter of a swaure whose diagonal is
9 2 m and the base of the same triangle is
equal to the side of the square whose area is
784m2. What is the area (in m 2) of the
triangle?
(1) 504
(2) 558
(3) 478
(4) 522
(5) 496
178. Arunavo invested total sum of Rs. 16000 in
18
179. Ravi is older than Simar by 4 yr. Four years

from now, the respective ratio between Ravi's
age and Simar's age will be 9:8. What will be
the Ravi's are (in yr) 15 yr ago?
(1) 19
(2) 36
(3) 17
(4) 25
(5) 21
180. A started a business by investing Rs. 33600.
After three month B joinede by investing Rs.
23100. After 3 month of B's investment. C
joined them by investing Rs. 18900. If the
total profit earned by them is Rs. 26450,
what is C's share of profit?
(1) Rs. 4360
(2) Rs. 4080
(3) Rs. 4260
(4) Rs. 4420
(5) Rs. 4140
181. The sum of two numbers is equal to 27 and
their product is equal to 182. What are the
two numbers?
(1) 15, 12
(2) 11, 16
(3) 9, 18
(4) 13, 14
(5) 19, 8
Directions (182-191): What will come in place of
question mark (?) in the given questions?
182. 54.2 + 13.52 - 0.52 - 0.5656 - 0.07 = ?
(1) 85.44
(2) 72.12
(3) 68.32
(4) 76.14
(5) 66.57
183.
1024 40 + 448 = (?)

(1) 8
(2) 14
(3) 16
(4) 12
(5) 22


19
184. (24 16/15 + 32.4)/? = 4

(1) 18
(2) 14.5
(3) 12
(4) 16.4
(5) 15.5
191.
185. 255.4 + 542.3 - ? = 1014.3 - 499.4

(1) 271.5
(2) 290.5
(3) 220.1
(4) 244.8
(5) 282.8
5
14
(2)
188. (0.3 + 0.9 + 0.06)(0.1 + 0.4 + 0.04) = ?

(1) 0.936
(2) 0.693
(3) 0.369
(4) 0.963
(5) 0.639
189. 120% of 675 + 92 = ?% of 1240 + 716
(1) 20
(2) 15
(3) 16
(4) 10
(5) 12
81
144
25 - 121
1681
190.
=?
484
2
(4)
5
18
35
(4)
18
37
(5)
20
37
March
April
May
June
July
8
(4)
25
14
20
1
25
(2)
Sotres P
Months
5
8
187. 0.5 5.6 + 2.5 8.5 + 164.85 = ?

(1) 186.95
(2) 188.9
(3) 182.35
(4) 183.8
(5) 185.6
(1)
19
38
(3)
19
35
Number of Books Sold by 5

Stores During 5 Months
3
(3)
10
(5)
(1)
Directions (192-196): Studythe table and answer the

given questions.
2
1
2 5
186. 2
2 =?
4
5
1
(1)
(0.6)3 - (0.4)3
=?
(0.6)3 + (0.4)3
(2)
3
11
(5)
1
11
(3)
1
5
213
156
177
220
253
200
208
197
145
188
195
216
185
235
278
253
187
181
265
243
229
175
215
231
249
192. Number of books sold by store P in May in

approximately what percent less than the
number of books sold by store T in July?
(1) 35
(2) 25
(3) 21
(4) 29
(5) 40
193. What is the respective ratio between the total
number of books sold by store P in April and
June together and total number of boks sold
by store T in May and July together?
(1) 49 : 58
(2) 49 : 54
(3) 47 : 58
(4) 43 : 52
(5) 47 : 54
194. If 30% of the total number of books sold by
store Q, S and T together in April were
Academic books, how many non-academic
books were sold by the same stores together
in the same month?
(1) 389
(2) 413
(3) 381
(4) 373
(5) 399
195. What is the average number of books sold by
store R in April, June and July together?
(1) 243
(2) 241


(3) 233
(5) 239
(4) 237
196. What is the difference between total number

of books sold by store Q in May and July
togehter and total number of books sold by
store S in March and June togehter?
(1) 129
(2) 127
(3) 143
(4) 133
(5) 136
197. A train 350 m long takes 36 s to cross a man
running at a speed of 5 km/h in the direction
opposite to that of train. What is the speed
of the train?
(1) 30 km/h
(2) 40 km/h
(3) 24 km/h
(4) 34 km/h
198. A person invested some money at the rat eof
6% simle interest. At the end of three years,
he hot Rs. 900 as SI. If interest is put at the
rate of compound interest annually, how
much more interest would he got in three
years?
(1)
(2)
(3)
(4)
(5)
20
Rs. 38.13
Rs. 25.33
Rs. 55.08
Rs. 35.30
Other than those given as options
199. Raju purchases 55o mL of milk everyday. If

cost of 1 L of milk is Rs. 44, how much
amount will he pays in 45 days?
(1) Rs. 1098
(2) Rs. 1079
(3) Rs. 1099
(4) Rs. 1088
200. Neha scored 1.2 times as many marks in
Science as in Sanskrit and in Social Science
She scored 20 more marks than Science. If
she secured 85.5% marks in these three
subjects out of a total 600 marks (in the given
three subjects only), how much did she
scored in Social Science?
(1) 194
(2) 14
(3) 170
(4) 185

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IBPS Clerk Online CWE Previous Year Exam Paper - 2014

Subject: Computer Knowledge
1. ......... refers to the unauthorised copying and distibution of software.
(1) Hacking
(2) Software piracy
(3) Software literacy
(4) Cracking
(5) Copyright
2. Which of the following is an operating system?

(1) Linux
(2) Debugger
(3) Mozilla
(4) Google Chrome
(5) Intel 8085
3. A collection of programs that controls how your computer system runs and processes
information is called
(2) computer
(3) office
(4) compiler
(5) interpreter
4. Which of the following statements is a false conceiving file names?

(1) Every file in the same folder must have a unique name.
(2) The file name comes before the dot (.).
(3) File extension is another name for the type.
(4) The file extension comes before the dot (.) followed by the file name.
(5) Files may share the same name or the same extension, but not both at the same time.
5. Which is not a storage device?

(1) Printer
(2) CD
(3) Hard Disk
(4) Floppy Disk
(5) DVD
Click Here to Buy Printed Study Material for IBPS, SBI Bank Exams
Page 1

6. ......... tags, placed on animals body can be used to record and truck in a database all of
the animals movements.
(1) POS
(2) RFID
(3) PPS
(4) GPS
7. Which of the following cables can transmit data at high speeds?

(1) Flat cables
(2) Coaxial cable
(3) Optic fibre cable
(4) Twisted pair cable
(5) UTP cable
8. The hardware device or software program that sends messages between networks is
known as a
(1) bridge
(2) backbone
(3) router
(4) gateway
9. If you are performing Windows 98 operating system to Windows XP you are

performing a(n)
(1) push up
(2) China
(3) patch
(4) pull down
(5) update
10. ......... technology enables you to carry a powerful navigational aid in websites.
(1) Convergence
(2) Locator
(3) Sampling rate
(4) Synchronisation
(5) Global Positioning System
11. Which of the following is not true about RAM?

(1) RAM is the same as hard disk storage.
(2) RAM is a temporary storage area.
(3) RAM is volatile.
Page 2

(4) RAM stands for Random Access Memory
(5) Information stored in RAM is gone when you turn the computer off.
12. All of the following are examples of real security and privacy risks EXCEPT
(1) spyware
(2) spam
(3) hackers
(4) identity theft
(5) viruses
13. Which of the following commands in Office 2007, can be used to go to first cell in the
current row?
(1) Tab
(2) Shift + Tab
(3) Esc + Home
(4) Shift + Home
(5) Home
14. Software such as Viruses, Worms and Trojan Horses that has a malicious content, is
known as
(1) malicious software (malware)
(2) adware
(3) scareware
(4) spyware
(5) firewall
15. Chip is a common nickname for a(n)

(1) transistor
(2) resistor
(3) integrated circuit
(4) semi-conductor
(5) other than those given as options
16. What is extension of Microsoft Word document?

(1) doc
(2) ppt
(3) dcc
(4) bd
(5) hml
17. Which of the following enables to determine how often a user visited a website?
Page 3

(1) Hackers
(2) Spammers
(3) Phish
(4) Identity thefts
(5) Cookies
18. To move to the bottom of a document while working on MS Word, which command is
used?
(1) Home key
(2) End key
(3) Ctrl + Page Down
(4) Insert key
(5) Ctrl key + End key
19. What is a person called who uses a computer to cause harm to people or destroy
critical systems?
(1) Cyber Terrorist
(2) Black-hat Hacker
(3) Cyber Cracker
(4) Hacktivist
20. ........ can interpret voice data into words that can be understood by the computer.
(1) Speech input hardware
(2) Speech recognition software
(3) Word recognition software
(4) Talking software
21. Oracle is a(n)

(1) hardware
(2) high level language
(4) system software
(5) RDBMS
22. Which of the following compay developed the microprocessor?

(1) Intel
(2) IBM
(3) Microsoft
(4) Apple
(5) Google
Page 4

23. What does ALU in computing denote?
(1) Application and Logic Unit
(2) Algorithm Logic Unit
(3) Arithmetic Layered Unit
(4) Arithmetic Legal Unit
(5) Arithmetic Logic Unit
24. Integrated Circuit (IC) chips used in computers are made with
(1) copper
(2) aluminium
(3) gold
(4) silicon
(5) silver
25. What does the computer abbreviation MB used for?

(1) Mega Bit
(2) Million Bytes
(3) Mega Bytes
(4) Million Bit
(5) Micro Bytes
26. What is the full form of HTTP?

(1) Hyper Text Transfer Protocol
(2) Hyper Text Transition Protocol
(3) Hyper Text Transfer Program
(4) Hyper Text Transition Program
(5) Hyper Text Trivial Protocol
27. Verification of a login name and password is known as

(1) configuration
(2) accessibility
(3) authentication
(4) logging in
(5) other than those given as options
28. Which of the following is software?

(1) Keyboard
(2) Internet Explorer
(3) Scanner
(4) Mouse
(5) Printer
Page 5

29. The term bit is short for
(1) binary digit
(2) binary number
(3) binary language
(4) small digit
(5) one byte
30. What does MICR stand for?

(1) Magnetic Ink Character Register
(2) Magnetic Ink Code Reader
(3) Magnetic Ink Code Register
(4) Magnetic Ink Character Recognition
(5) Magnetic Ink Cases Reader
31. RTGS stands for

(1) Real Time Gross Settlement
(2) Real Time General Settlement
(3) Run Time Gross Settlement
(4) Regular Time General Settlement
(5) Regular Time Gross Settlement
32. A device that converts from decimal binary number is known as

(1) instructor
(2) decoder
(3) AND gate
(4) converter
(5) decoder
33. What does the acronym ASCI stands for?

(1) American Standard Code for Information
(2) American Standard Code for Information interchange
(3) American Standardised Code for information
(4) American Standardisation Code for information
(5) American Standardisation Code for information Interchanger
34. Which of the following is not a valid formula in Microsoft Excel?

(1) = A2 + A1
(2) = A2 + 1
(3) = 1 + A2
(4) = 1A + 2
(5) = A1 + A2
Page 6

35. What does the acronym ISP stand for?
(2) International Service Provider
(4) Internet Service Providing
(5) Internet Service Provision
36. What is the full form of WWW?

(1) Work Wide Web
(2) World Wide Web
(3) World With Web
(4) World Wide Wet
(5) World Weak Web
37. Which of the following is hardware?

(1) Assembler
(2) Server
(3) Compiler
(4) Interpreter
38. USB in data cables stands for

(1) Unicode Smart Bus
(2) Universal Structural Bus
(3) Unicode Serial Bus
(4) Universal Smart Bus
(5) Universal Serial Bus
39. Which of the following is not a binary number?

(1) 11101
(2) 110
(3) 233
(4) 1001
(5) 100110
40. A ......... is approximately one billion bytes.

(1) megabyte
(2) kilobyte
(3) terabyte
(4) gigabyte
(5) bit
Page 7

Subject: Numerical Ability

1. 161. In an examination, a student scores 6 marks for every correct answer and loses 4
marks for every wrong answer. If he attempted 80 questions and obtained 310 marks, how
many questions did he attempted correctly?
(1) 59
(2) 67
(3) 63
(4) 65
(5) 61
2. The diameter of a wheel is 49 m. How many revolutions will it make to cover a distance
of 3200 m?
(1) 17
(2) 27
(3) 24
(4) 22
(5) 18
3. The average run of a cricketer after 18 matches was 56.5. If he made 101 runs and 123
runs in 19th and 20th match respectively. What is his new average run after 20th match?
(1) 62.05
(2) 64.45
(3) 60.75
(4) 61.25
(5) 63.85
4. Two types of rice (type 1 and type 2) were mixed in the respective ratio of 1 : 3. The
mixture was then sold @ 75.60 per kg to gain a profit of 20%. If the price of type 1 rise is
Rs. 75 per kg, what is the price of type 2 price per kg?
(1) Rs. 55
(2) Rs. 53
(3) Rs. 59
(4) Rs. 57
(5) Rs. 62
5. Mr. Shahs monthly income is Rs. 54550. In an entire year, he spends 32% of his annual
salaries on groceries, he spend 12% on repairs and 10% he pays to his servant. If half of
the remaining amount he invests in fixed deposits, what is the amount invested by him in
fixed deposits?
Page 8

(1) Rs. 150558
(2) Rs. 155240
(3) Rs. 152610
(4) Rs. 158789
(5) Rs. 154336
6. Two pipes A and B can fill a tank in hours when opened simultaneously. If B alone can
takes 2 hours less than A alone takes to fill the tank completely. How much does A alone
take to fill the tank?
(1) 8 h
(2) 12 h
(3) 4 h
(4) 6 h
(5) 10 h
7. A man can row 10.2 km downstream in 18 minutes. If the speed of the stream is 3.5
km/h, how much time he would take to cover 121.5 km upstream? (in hours)
8. The respective ratio of two numbers is 16 : 21. If the first number is increased by 30%
and the second number is decreased by 20%, what will be the respective ratio of the first
and the second number?
(1) 32 : 21
(2) 26 : 21
(3) 25 : 21
(4) 20 : 21
(5) 22 : 21
9. A bag of fruits was distributed among 4 students P, Q, R and S. P took 3/8th of the
fruits. Q took 1/5th of the remaining fruits and the remaining fruits were equally
distributed among R and S. What fraction of fruits did R get?
Page 9

10. The present population of village P is 2.5 time the present population of village Q. If
after a year the population of village Q is 16537 and has been increased at a rate of 15%.
What is the present population of village P?
(1) 34740
(2) 38560
(3) 36820
(4) 35950
(5) 30350
Directions (Q. Nos. 11-15): What will come in place of question mark (?) in the given number series?
11. 29 31 37 49 69 ?
(1) 108
(2) 99
(3) 94
(4) 103
(5) 88
12. 13 13 20 37.5 83 ?
(1) 233
(2) 216
(3) 234
(4) 235
(5) 239
13. 17 16 30 87 344 ?
(1) 1735
(2) 1760
(3) 1660
(4) 1685
(5) 1715
14. 8 94 12.2 17.8 29 ?
Page 10

(1) 53.6
(2) 51.4
(3) 52.1
(4) 48.6
(5) 49.8
15. 26 12 11 15.5 30 ?
(1) 72
(2) 68
(3) 74
(4) 82
(5) 78
16. Arunika brought some articles and sold half of them at Rs. 22103 thereby making a
profit of 15%/ At what price should sell the rest of them so as to earn a total profit of
25%?
(1) Rs. 25947
(2) Rs. 23528
(3) Rs. 27130
(4) Rs. 24682
(5) Rs. 26240
17. The height of a triangle is equal to the perimeter of a square whose diagonal is m and
the base of the same triangle is equal to the side of the square whose area is 784 m2. What
is the area of the triangle? (in m2)
(1) 504
(2) 558
(3) 478
(4) 522
(5) 496
18. Arunavo invested total sum of Rs. 16000 in two schemes (A and B) for two years.
Scheme A offers compound interest (compounded annually) at the rate of 10% per annum
and scheme B offers simple interest at the rate of 12% per annum. If the total interest
earned by him from both the schemes after two years is Rs. 3504. How much money
(principle) did he invest in scheme B?
(1) Rs. 4800
(2) Rs. 4200
(3) Rs. 4600
(4) Rs. 4400
(5) Rs. 5200
Page 11

19. Ravi is older than Simar by 4 years. Four years from now, the respective ratio between
Ravis age and Simars age will be 9:8. What will be the Ravis age 15 years ago? (in years)
(1) 19
(2) 36
(3) 17
(4) 25
(5) 21
20. A started a business by investing Rs. 33600. After three month B joined him by
investing Rs. 23100. After 3 months of Bs investment, C joined them by investing Rs.
18900. If the total annual profit earned by them is Rs. 26450, what is Cs share of profit?
(1) Rs. 4630
(2) Rs. 4080
(3) Rs. 4260
(4) Rs. 4420
(5) Rs. 4140
21. The sum of two numbers is equal to 27 and their product is equal to 182. What are the
two numbers?
(1) 15, 12
(2) 11, 16
(3) 9, 18
(4) 13, 14
(5) 19, 8
Direction (Q. Nos. 22-31): What will come in place of question mark (?) in the given questions?
22. 54.2 + 13.52 0.52 0.5656 0.07 = ?

(1) 85.44
(2) 72.12
(3) 68.32
(4) 76.14
(5) 66.57
23.
(1) 8
(2) 14
(3) 16
(4) 12
(5) 22
Page 12

24. (24 16/15 + 32.4)/? = 4
(1) 18
(2) 14.5
(3) 12
(4) 16.5
(5) 15.5
25. 255.4 + 542.3 - ? = 1014.3 499.4

(1) 271.5
(2) 290.5
(3) 220.10
(4) 244.8
(5) 282.8
26.
27. 0.5 5.6 + 2.5 8.5 + 164.85 = ?

(1) 186.95
(2) 188.9
(3) 182.35
(4) 183.8
(5) 185.6
28. (0.3 + 0.9 + 0.06)(0.4 + 0.4 + 0.05) = ?

(1) 0.936
(2) 0.693
(3) 0.369
(4) 0.963
(5) 0.639
29. 120% of 675 + 92 = ?% of 124444440 + 716
Page 13

(1) 20
(2) 15
(3) 16
(4) 10
(5) 12
30.
31.
Directions (32-36): Study the table and answer the given questions.
Page 14

32. Number of books sold by store P in May is approximately what percent less than the
number of books sold by store T in July?
(1) 35
(2) 25
(3) 21
(4) 29
(5) 40
33. What is the respective ratio between the total number of books sold by store P in April
and June together and total number of books sold by store T in May and July together?
(1) 49 : 58
(2) 49 : 54
(3) 47 : 58
(4) 43 : 52
(5) 47 : 54
34. If 30% of the total number of books sold by store Q, S and T together in April were
Academic books, how many non-academic books were sold by the same stores together in
the same month?
(1) 389
(2) 413
(3) 381
(4) 373
(5) 399
35. What is the average number of books sold by store R in April, June and July together?
(1) 243
(2) 241
(3) 233
(4) 237
(5) 239
36. What is the difference between total number of books sold by store Q in May and July
together and total number of books sold by store in S in March and June together?
(1) 129
(2) 127
(3) 143
(4) 133
(5) 136
37. A train 350 m long takes 36 seconds to cross a man running at a speed of 5 km/h in the
direction opposite to that of train. What is the speed of the train?
Page 15

(1) 30 km/h
(2) 40 km/h
(3) 24 km/h
(4) 34 km/h
38. A person invested some money at the rate of 6% simple interest. At the end of three
years, he got Rs. 900 as SI. If interest is put at the rate of compound interest annually, how
much more interest would he got in three years?
(1) Rs. 38.13
(2) Rs. 25.33
(3) Rs. 55.08
(4) Rs. 35.30
39. Raju purchases 550 ml of milk everyday. If cost of 1 litre of milk is Rs. 44, how much
amount will he pay in 45 days?
(1) Rs. 1098
(2) Rs. 1079
(3) Rs. 1099
(4) Rs. 1088
40. Neha scored 1.2 times as many marks in Science as in Sanskrit and in Social Science.
She scored 20 more marks than Science. If she secured 85.5% marks in these three
subjects out of a total 600 marks (in the given three subjects only), how much did she score
in Social Science?
(1) 194
(2) 174
(3) 170
(4) 185
Page 16

Subject: General Knowledge

1. India has recently signed a deal to build a $ 100 billion 900 MW hydro-power project on
Arun river with
(1) Bhutan
(2) Bangladesh
(3) Myanmar
(4) Nepal
(5) China
2. Indian player Anirban Lahiri is associated with the game of

(1) rifle shooting
(2) golf
(3) billiards
(4) wrestling
(5) chess
3. The abbreviation ATS stand for

(1) Anti Terrorism Sensor
(2) Anti Terrorist Set-up
(3) Anti Terrorist System
(4) Anti Terrorism Squad
(5) Anti Terrorism Scheme
4. China has recently announced that it has completed a major hydro-power dam in Tibet
over the river Yartung Zangbo known in India as
(1) Indus river
(2) Brahmaputra river
(3) Zanskar river
(4) Ranganadi river
(5) Doyang river
5. According to which of the following acts, a fixed deposit in a bank should not be paid in
cash if it is Rs. 20000 and above?
(1) Wealth Tax Act
(2) RBI Act
(3) Income Tax Act
(4) Banking Regulation Act
(5) Negotiation Instruments Act
Page 17

6. The Commonwealth Association for Public Administration and Managements
(CAPAM) International Innovation Awards for 2014 has recently been confered upon the
Indian State.
(1) Uttar Pradesh
(2) Andhra Pradesh
(3) Gujarat
(4) Karnataka
(5) Maharashtra
7. In 201 6, the Olympic Games shall be held in

(1) Beijing (China)
(2) Tokyo (Japan)
(3) Rio de Janeiro (Brazil)
(4) Seoul (South Korea)
(5) Bangkok (Thailand)
8. Banks borrow money from the RBI at which of the following rates?
(1) CRR
(2) Base Rate
(3) Repo Rate
(4) SLR
(5) Reverse Repo Rate
9. Which of the following is not an online travel

(1) Goibibo.com
(2) Thomascook.in
(3) Zomato.com
(4) Arzoo.co
(5) Expedia.co.in
10. Under the PMJDY, the government is loking to open at least ......... basic bank accounts
for unbanked tambles in the country.
(1) 7.5 crore
(2) 1.8 crore
(3) 5.7 crore (4) 3 crore
(5) 4.5 crore
11. In order to achieve financial inclusion goals, RBI has permitted opening of USBs. What
is the full form of USB?
(1) Urban Small Branch
(2) Unique Safety Branch
(3) Ultra Small Branch
Page 18

(5) United Smaller Branches
12. As per recent press in India, White Label ATMs are installed. What is meant by a
white lebel ATM?
(1) ATMs, which are set-up by non-banking entities.
(2) ATMs, which are white in colour.
(3) ATMs, which are set-up by group of foreign banks operating in India.
(4) ATMs, which are set-up by Reserve Bank of India.
(5) ATMs, which are installed by group of bankers.
13. As per the recent press reports, RBI has recently converyed the in-principle approval
to open new bank. Which of the following entity has received the permission?
(1) Tata Group
(2) LIC Housing Finance
(3) Anil Ambani Group
(4) Videocon Group
(5) IDFC
14. Which of the following is present Chief Economic Advisor of India?

(1) Pranjul Bhandari
(2) Dr. prachi Mishra
(3) Arvind Subramanian
(4) Dr. Kaushik Basu
(5) Supriyo De
15. By the year 2022, the Sardar Patel Urban Housing Mission aims to build as many as
16. The private sector banking space witnessed its first consolidation move in four years.
Which of the following bank merger took place recently?
(1) United Western Bank and IDBI Bank
(2) Ganesh Bank of Kurundwad and Federal Bank
(3) ING Vysya Bank and Kotak Mahindra Bank
(4) Bank of Rajasthan and ICICI Bank
(5) State Bank of Indore and State Bank of India
17. Who bears the premium payable to the insurance company under acidental insurance
cover under PMJDY scheme?
Page 19

(1) Government of India
(2) 50% by account holder and rest by the bank
(3) NPCI
(4) Account holder
(5) RBI
18. Buy Now Pay Now refers to which of the following?

(1) Affinity Card
(2) Smart Card
(3) Business Card
(4) Credit Card
(5) Debit Card
19. The government of India has decided to observe the birth anniversary of Sardar
Vallabhai Patel on October 31, as
(1) Rashtriya Sankalp Diwas (National Resolve Day)
(2) Rashtriya Shahidi Diwas (National Martyrs Day)
(3) Rashtriya Sadbhavana Diwas (National Solidarity Day)
(4) Rashtriya Ekta Diwas (National Unity Day)
(5) Rashtriya Shiksha Diwas (National Education Day)
20. The international day for Elimination of Violence against Women is observed across
the world on
(1) December 15
(2) August 24
(3) June 24
(4) November 25
(5) September 24
21. Time limit for exchanging of pre-2005 Indian currency notes is

(1) April 1, 2015
(2) December 31, 2014
(3) January 1, 2015
(4) June 1, 2015
(5) September 1, 2015
22. Kangto also known as Kanggardo Rize is a montain in the Eastern Himalays of
India and is highest peak in the State of
(1) Sikkim
(4) Uttarakhand
(5) Himanchal Pradesh
Page 20

23. The Parliamentary Constituency in Uttar Pradesh represented in the 16th Lok Sabh by
Rajnath Singh, the Union Minister of Home Affairs is
(1) Lucknow
(2) Mirzapur
(3) Kanpur
(4) Haidergarh
(5) Chandauli
24. Balance in deposit accounts which are not operated for at least ........ years are to be
transferred to the RBI.
(1) 2
(2) 7
(3) 12
(4) 5
(5) 10
25. The 18th SAARC meet was held in November, 2014 at

(1) Dhaka (Bangladesh)
(2) Kathmandu (Nepal)
(3) Thimpu (Bhutan)
(5) New Delhi (India)
26. Many times we read about SHGs in financial newspapers. What is the full form of the
term SHGs?
(1) Self Help Groups
(3) Small Help Groups
(4) Small Hope in Growths
(5) Self Hope Groups
27. Which of the following institutions provides secured depository services?

(2) RBI
(3) NSDL
(4) BSE
(5) NSE
28. Which Indian women sportsperson has recently been appointed as the UN Goodwil
Ambassador for the South Asian region?
(1) Mary Kom
(2) Sania Mirza
Page 21

(3) Sikha Tandon
(4) Jwala Gutta
(5) Dipika Pallikal
29. The United Nations Childrens Fund (UNICEF)

(1) Washington DC (USA)
(2) Vienna (Austria)
(3) Paris (France)
(4) Geneva (Switzerland)
(5) New York City (USA)
30. IRNSS is an independent regional navigation satellite system being developed by

(1) Japan
(2) the USA
(3) Brazil
(4) China
(5) India
31. The first Commonwealth Science Conference was recently held in

(1) Singapore
(2) Bengaluru (India)
(3) Glasgow (Scotland)
(4) Kuala Lumpur (Malaysia)
32. Typhoon Rammasun is

(1) China
(2) Singapore
(3) India
(4) Japan
(5) Myanmar
33. The currency of Sultanate of Oman is

(1) Omani Rand
(2) Omani Rial
(3) Omani Dinar
(4) Omani Gulider
(5) Omani Shilling
34. Process of getting shares in an electronic form of holding in a demat account is known
as
Page 22

(1) Rematerialisation
(3) Dematerialisation
(4) Materialisation
(5) Mutilsation
35. Which of the following is the Capital of the State of Kuwait?

(1) Al Ahmadi
(2) Al Jahra
(3) Kuwait City
(4) Al Salmiya
(5) Hawalli
36. The Davis Cup is the premier international team event in

(1) Mens Tennis
(2) Mens Hockey
(3) Mens Soccer
(4) Womens Hockey
(5) Womens Cricket
37. The Sansad Adarsh Gram Yojana has been launched on October 11, 2014, the birth
anniversary of
(1) Jai Prakah Narayan
(2) Shyam Prasad Mukherji
(3) lala Lajpat Rai
(4) Deen Dayal Upadhyaya
(5) Balraj Madhok
38. The Minister of State (Independent Charge) for Skill Development and
Entrepreneurship in the revamped Union Council of Ministers is
(1) Mahesh Sharma
(2) Rajiv Pratap Rudy
(3) JP Nadda
(4) Birender Singh
(5) Najma Heptulla
39. The theme of the next Pravasi Bhartiya Divas to be held in the year 2015 is based on
the completion of the hundred years of Mahatma Gandhis
(1) return to South Africa from India
(2) marriage with Kasturba Gandhi
(3) Quit India call to the British users
(4) return to India leaving South Africa
(5) founding the Natal India Congress
Page 23

40. According to the 2011 census, the highest literacy rate is recorded by
(1) Delhi
(2) Tripura
(3) Mizoram
(4) Kerala
(5) Goa
Page 24

Subject: English Language

Directions (Q. Nos. 1-5): Choose the best word that fits in the meaning of the sentences to make
grammatical coherent.
1.
I. Governments in `these countries should create education systems since ......... good schools the bulk of
people entering the world force will not have the skills they need.
II. We cannot process colour, details of rapid changes in our surroundings ......... the cone shaped cells
packed around the centre of the retina.
(1) lack
(2) missing
(3) eficient
(4) without
(5) absence
2.
I. Japan is investing in strengthening bonds with ASEAN countries and Japanese countries recently won a $
370 million contract to start .......... a new underground railway system in Jakarta.
II. The cost of ......... space vehicles is high no doubt, but the costs of complying with legal and regulatory
paperwork and rules is huge too.
(1) construction
(2) manufacture
(3) launch
(4) assembly
(5) building
3.
I. A troubled student and his PhD guide ........... a way for websites to reduce the incidence of spam which
troubled internet users in the 2000s.
II. One of the biggest drawback of concrete is that it often develop cracks and scientists have now ..........
self-healing concrete.
(1) create
(2) devised
(3) develop
(4) thought
(5) invent
4.
Page 25

I. Politicians have promised to ........ the goal of eradicating extreme poverty many times but have failed
because they cannot agree about what exactly counts as poverty and how exactly to measure it.
II. Reserve Bank hoped that a cut in its benchmark rate will .......... a reduction in inflation and improve
confidence in the economy.
(1) achieve
(2) get
(3) end
(4) finish
(5) undertake
5.
I. According to some exports, subsidising crop insurance to a large extent may be bad for the environment
since farmers may take .......... such as farming on food plains or sleep hills.
II. In the 1990s, Germany was known as the sick man of Europe and had high unemployment but its
success today is on account of the huge ........ it took in reforming the labour market.
(1) danger
(2) chance
(3) possibility
(4) risks
(5) threats
Directions (Q. Nos. 6-10): Arrange the following five sentences A, B, C, D and E in the proper sequence to
form a meaningful paragraph, then answer the given questions:
A. If you are transitioning from products to services or vice-versa, you have to know and understand these
differences to effectively promote and sell.
B. For example, a product is tangible, which means the customer can touch and see the product before
deciding to make a purchase and a service is intangible.
C. Understanding the different changes in product and service marketing can help you establish the right
approach for this transition.
D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your
product.
E. Companies that are marketing a product face different challenges compared to those that are promoting a
service.
6. Which of the following should be the FIFTH (LAST) sentence after the rearrangement?
(1) A
(2) E
(3) D
(4) C
(5) B
7. Which of the following should be the FIRST sentence after the rearrangement?
Page 26

(1) A
(2) B
(3) C
(4) D
(5) E
8. Which of the following should be the SECOND sentence after the rearrangement?
(1) A
(2) B
(3) C
(4) D
(5) E
9. Which of the following should be the THIRD sentence after the rearrangement?
(1) A
(2) B
(3) C
(4) D
(5) E
10. Which of the following should be the FOURTH sentence after the rearrangement?
(1) A
(2) B
(3) C
(4) D
(5) E
Directions (Q. Nos. 11-15): Which of the phrase given against the sentence should replace the word/phrase
given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no
correction is required, mark No correction required as the answer.
11. In order to look taller, we should use pencil heels instead block heels.
(1) instead of
(2) despite
(3) in spite of
(4) neither
12. This move is expected for mitigate the effects of a depleting water by making use of
surface or canal water.
(1) expects of
(2) is expectation of
(3) is expected to
Page 27

(4) is expectant to
13. Do you know that dressing properly for an interview can earns you those brownie
extra points which will help you get that dream job?
(1) can earn
(2) will earning
(3) earned
(4) well earns
14. The craze for private hands has caught the fancy of the citys residents.
(1) catch the fancity
(2) caught fancity
(3) catching fancy
(4) catch fancy
15. The trend of wearing boots in something that has most sure come around this season.
(1) most surely
(2) caught fancity
(3) catching fancy
(4) catch fancy
Directions (Q. Nos. 16-25): Read the following passage carefully and answer the questions given.
Do you ever feel theres is a greater being inside of you bursting to get out? It is the voice that encourages
you to really make something of your life. When you act congruently with that voice, its like your are a
whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets
in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally
motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay
forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea
like, I want to start my own business. And then a week later its forgotten? You come up with inspiring
ideas when you are motivated. But you fail to maintain that motivation through the action phase.
The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational
speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are
intellectually guided, we try to find logic in emotional motivation and as we fail to find logic eventually
phases out. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I
realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind
as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal,
may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing
something. I usually did not have trouble taking action.
Page 28

But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that
this was my minds way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make
sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose
you work in sales, and you get a goal to increase your income by 20% by becoming a more effective
salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself
encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just
dont. The problem may be that on a deeper level your mind knows you dont want to be working in sales at
all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a
motivational dead end.
Further when you set goals, that are too small and too timid, you suffer a perpetual lack of motivation. You
just need to summon the courage to acknowledge your true desires. Then you will have to deal with the selfdoubt and fear thats been making you think too small. Ironically, the real key to motivation is to set the
goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious
mind knows you are strong, so it wont provide any motivational fuel until. You step up, face your fears, and
acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you
will find your motivation turning on full blast.
16. What does the author want to convey when he says, When you look further upstream,
it becomes clear that the goal is ill advised.?
(1) When you analyse your goal closely you realise that it is not what you thought it would be.
(2) When you work towards dealing with your problems eventually they disappear
(3) When you inspect the problem you realise that the solution is within our reach
(4) When you devise a method of motivating self you must keep analysing it periodically
(5) When you face a problem you realise your incapability of making good decisions.
17. Which of the following is/are true in the context of the passage?
A. Many a time, although we are motivated at the start, we fail to keep up the motivation while working
towards the goal.
B. We can learn to use our mind as a motivational tool.
C. Being guided by intellect is very bad.
(1) A and B
(2) B and C
(3) Only A
(4) A and C
(5) All of these
18. According to the passage, the key to motivation is

A. setting challenging goals.
B. not letting our fears pull us back.
C. changing our goals periodically.
(1) A and B
(2) Only C
(3) All of these
Page 29

(4) A and C
(5) Only B
19. Which of the following is most nearly the same in meaning to the word timid as used in
the passage?
(1) Sudden
(2) Scared
(3) Humble
(4) Distant
(5) Egoistic
20. Which of the following is/are not true about the context of the passage?
A. Although a goal may look intellectual, it may not actually work for us.
B. Our subconscious mind will not motivate us unless we face our fears.
C. The only way to keep yourself motivated throughout is by listening to many motivational speakers.
(1) B and C
(2) Only C
(3) Only A
(4) A and B
(5) Only B
21. According to the passage, the author found it difficult to be motivated because
A. he was not intellectually motivated.
B. he wanted to take the easy way out
C. he did not push himself hard enough
(1) A and B
(2) Only C
(3) Only A
(4) A and C
(5) Only B
22. Which of the following is most nearly the same in meaning to the word congruently as
used in the passage?
(1) Periodically
(2) In delusion
(3) In addition
(4) Progressively
(5) In agreement
23. What does the author mean when he says, It eventually phases out.?
Page 30

(1) We need continuous practice in phases to retain it.
(2) It reduces because of lack of practice
(3) We become self-motivated with time
(4) It goes after a period of time passes
(5) It improves after a certain period passes.
24. Which of the following can be an appropriate title for the passage?
(1) Living Life with Success
(2) Why Dont We Feel Motivated?
(3) Our Only Aim-Success
(4) How to Achieve Intellectual Success
(5) Feel Motivated-Feel Superior
25. According to the passage, what does the author say about emotional motivation?
A. It tends to be temporary
B. It promises our negativity
C. It has the potential to inspire us.
(1) A and B (2) Only B
(3) Only A (4) A and C
(5) All of these
Directions (Q. Nos. 26-30): Read the following sentences to find out whether there is any grammatical
mistakes/error to it. The error, if any
will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark No
error as your answer. (Ignore the errors of punctuation, if any)
26. More than scoring points for/choosing the colour, the actress creating a fluffed/with the
mini cape that she wore/to match her dress.
(1) More than scoring points for
(2) Choosing the colour, the actress creating a fluffed
(3) With the mini cape that she wore
(4) To match her dress
(5) No error
27. Winter is/the best/season to/explored the outdoors.

(1) Winter is
(2) the best
(3) Season to
(4) explored the outdoors
(5) No error
Page 31

28. The technology senses / how a handshakes / and makes instant adjustments / to stay
balanced.
(1) The technology senses
(2) How a handshakes
(3) and makes instant adjustments
(4) to stay balanced
(5) No error
29. With the water project moving / a step closer to feasibility, / city residents can soon /
expect for sufficient water supply.
(1) with the water project moving
(2) a step closer to feasibility
(3) city residents can soon
(4) expect for sufficient water supply
(5) No error
30. We are in the final stages/ of resolve the issue / which has been pending / for over two
years.
(1) We are in the final stage
(2) of resolve the issue
(3) which has been pending
(4) for over two years
(5) No error
Directions (Q. Nos. 31-40): In the given passage, there are blanks, each of which has been numbered.
Against each, fieve words are suggested, one of which fits the blank appropriately. Find out the appropriate
word in each case.
The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend
almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount
but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015. This increase
should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less
than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries
and it should (38) enable big banks to become much more cost of (39). Small firms without traditional
computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read emails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform
using a specially banking software.
31.
(1) largely
(2) tiny
(3) bit
(4) part
(5) less
Page 32

32.
(1) paying
(2) offering
(3) buying
(4) purchase
(5) spending
33.
(1) sum
(2) come
(3) account
(4) costs
(5) total
34.
(1) fall
(2) dropped
(3) lower (4) sank
(5) maintain
35.
(1) rent
(2) sold
(3) hired
(4) leased
(5) used
36.
(1) other
(2) rather
(3) more
(4) further
(5) compared
37.
(1) that
(2) for
(3) to
(4) try
(5) on
38.
Page 33

(1) both
(2) include
(3) always
(4) beside
(5) also
39.
(1) effect
(2) efficient
(3) price
(4) ceiling
(5) subsidy
40.
(1) Employees
(2) Who
(3) How
(4) Worker
(5) Sub-ordinates
Page 34
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Subject: Reasoning
Directions (Q. Nos. 1-5): Study the following arrangement carefully and answer the given questions.
W2XT3*ZbU4OP9 $QG D5#WEJ6&8K@7+
1. If all the symbols are dropped from the arrangement, then which will be the eleventh
element from the right end of the given arrangement?
(1) 9
(2) G
(3) D
(4) 5
(5) P
2. How many such symbols are there in the given arrangment each of which is immediately
followed by a letter and also immediately preceded by a number?
(1) More than three
(2) Two
(3) Three
(4) None
(5) One
3. Which of the following is sixth to the left of the fourteenth from the left end of the given
arrangement?
(1) b
(2) *
(3) U
(4) Z
(5) 4
4. What should come in place of the question mark(?) in the following series based on the
given arrangement?
WXT 3ZU 4PQ G5J ?
(1) W2b
(2) 6%8
(3) 6%+
(4) WXZ
(5) &8+
5. Four of the following five are alike in a certain way based on their positions in the given
arrangement and so form a group. Which is the one that does not belong to the group?
Page 35

(1) TW3
(2) @%7
(3) G9D
(4) b3U
(5) $9Q
Directions (Q. Nos. 6-10): The questions is based on the five three-digit numbers given below.
476 538 289 814 753

6. Which of the following is the second digit of the three digit number obtained by
subtracting the lowest number from the highest number?
(1) 2
(2) 3
(3) 4
(4) 6
(5) 7
7. If 1 is added to the first digit in each number and then the position of the first and the
third digits are interchanged. Which of the following will be the third digit of the second
(1) 6
(2) 4
(3) 2
(4) 8
(5) 7
8. In which of these digits, the sum of all the three digits is an even number?
(1) 753
(2) 538
(3) 269
(4) 476
(5) 814
9. Which of the following is the sum of the second and third digits of the second lowest
number?
(1) 12
(2) 15
(3) 91
(4) 11
(5) 13
Page 36

10. If 1 is subtracted from third digit in the each number and the position of the first and
third digits are interchanged. Which of the following will be the first digit of the third
(1) 3
(2) 5
(3) 7
(4) 8
(5) 9
Directions (Q. Nos. 11-15): In these questions, the symbol @, %, , $ and # are used with the following
meaning as illustrated below:
P @ Q means P is neither smaller than nor equal to Q.
P % Q means P is neither greater than nor equal to Q.
P Q means P is not greater than Q.
P $ Q means P is not smaller than Q.
P # Q means P is neither smaller nor greater than Q.
Assuming the given statements to be true, find which conclusion is definitely true.
11. Statements
H @ K, K % M, M D
Conclusions
I. H @ D II. K % D
(1) Either conclusion I or II is true.
(2) Only conclusion I is true.
(3) Neither conclusion I nor II is true.
(4) Only conclusion II is true.
(5) Both conclusions I and II are ture.
12. Statements
R % H, H T, T @ K
Conclusions
I. T R
II. K % H
Page 37

13. Statements
R D, D $ M, M # J
Conclusions
I. J # D II. J % D
14. Statements
W # D, Z B, B $ H
Conclusions
I. H # Z II. B % W
15. Statements
F $ N, N @ D, D % B
Conclusions
I. F @ D II. B @ N
Directions (Q. Nos. 16-20): In these questions, two statements followed by two conclusions numbered I and
II have been given. Decide which of the given conclusions logically follows the given statements
disregarding commonly known facts.
Page 38

16. Statements
All buses are cars.
All Scooters are buses.
Conclusions
I. No scooter is a bus.
II. All cars are buses.
17. Statements
No auditorium is hall.
All theatres are halls.
Conclusions
I. No auditorium is a theatre.
II. All halls are theatres.
18. Statements
Some drugs are medicines.
No medicine is a treatment.
Conclusions
I. All treatments being drugs is a possibility.
II. All drugs can never be treatments.
Page 39

19. Statements
Some cameras are photos.
All cameras are snaps.
Conclusions
I. All snaps are photos.
II. Some snaps are photos.
20. Statements
Some computers are tablets.
Some laptops are computers.
Conclusions
I. No laptop is a tablet.
II. All tablets being computers is a possibility.
Directions (Q. Nos. 21-25): Study the following information carefully and answer the given questions:
Eight friends L, M, N, O, P, Q, R and S are sitting around a square table in such a way that four of them sit
at four corners of the square while four sit in the middle of each of the four sides. The ones who sit at the
four sides face outside while those who sit in the middle of the sides face the centre.
Only one person sits between L and Q. L sits at middle of one of the series.
O sits third to the right of Q.
Both R and S are immediate neighbours of L.
M sits second to left of N.
N is neither an immediate neighbour of Q nor S.
21. Four of the following five are alike in a certain way and so form a group. Which is the
one that does not belong to that group?
(1) L
(2) R
(3) S
Page 40

(4) O
(5) P
22. Who sits third to the left of Q?

(1) M
(2) S
(3) R
(4) N
(5) P
23. How many people sit between M and S when counted from the right hand side of S?
(1) One
(2) Three
(3) None
(4) Two
(5) Four
24. Which of the following is true regarding P?

(1) P sits exactly between M and N.
(2) O sits second to right of P.
(3) None of the given options is true.
(4) L sits immediate right of P.
(5) Q is an immediate neighbour of P.
25. What is the position of P with respect to S?

(3) Second to the left
Directions (Q. Nos. 26-30): Study the information and answer the given questions.
In a certain code language
work never goes waste is written as rb mk ni tj
never waste your time is written as ni ap sy rb
focus on your work is written as mk ap cn or
focus goes with time is written as sy tj cn ke
(All the codes are two letter codes only)
26. In the given code language, what does the code tj stand for?
Page 41

(1) never
(2) goes
(3) on
(4) work
(5) waste
27. What is the code for focus in the given code language?
(1) ap
(2) ni
(3) sy
(4) cn
(5) mk
28. What is the code for time in the given code language?
(1) tj
(2) sy
(3) ni
(4) cn
(5) rb
29. Which of the possibly means work on projects?

(1) sy cn tj
(2) gt cn or
(3) mk gt or
(4) mk cn gt
(5) mk or sy
30. In the given code language, what does the code rb stand for?
(1) Either never or waste
(2) goes
(3) your
(4) work
(5) time
Directions (Q. Nos. 31-35): Study the following information to answer the given questions.
Ten people are sitting in two parallel rows having five people each, in such a way that there is an equal
distance between adjacent person. In row 1-V, W, X, Y and Z are seated (but not necessarily in the same
order) and all of them are facing North. In row 2-F, G, H, I and J are seated (but not necessarily in the same
order) and all of the are facing South. Therefore, in the given seating arrangement, each member seated in a
row faces another member of the other row.
Y sits third to the left of W. The one who faces Y sits second to the right of F.
Only one person sits between F and I.
Page 42

H and J are immediate neighbours of each other. J does not sit at any of the extreme ends of the line.
The one faces G sits to the immediate right of Z.
X is not an immediate neighbour of Z.
31. Who amongst the following faces H?

(1) Y
(2) V
(3) Z
(4) W
(5) X
32. Who amongst the following sits to the immediate left of the person who sits exactly in
the middle of row-2?
(1) J
(2) H
(3) I
(4) G
(5) F
33. Four of the following five are alike in a certain way based on the given seating
arrangement and thus form a group. Which is the one that does not belong to that group?
(1) H
(2) I
(3) W
(4) Y
(5) X
34. Who amongst the following sits third to the right of the person who faces X?
(1) G
(2) F
(3) J
(4) I
(5) H
35. Which of the following is true regarding V?

(1) None of the given options is true.
(2) An immediate neighbour of V faces F.
(3) X is an immediate neighbour of V.
(4) W sits to immediate right of V.
(5) V faces I.
Page 43

Directions (Q. Nos. 36-40): These questions consist of a question and two statements numbered I and II
below it. You have to decide whether the data given in the statements are sufficient to answer the questions.
Read the statements and choose the most appropriate option.
36. In a straight line of eight people (all facing North), what is the position of R from the
left end?
I. Y stands fourth from the right end of the line. Only two people stand between Y and Z. R stands to the
immediate right of Z.
II. W stands fourth from the left end of the line. R is an immediate neighbour of W.
(1) The data in statement I alone are sufficient to answer the question while the data in statement II are not
sufficient to answer the question.
(2) The data in both statements I and II together are necessary to answer the question.
(3) The data even in both statements I and II together are not sufficient to answer the question.
(4) The data either in statement I or in statement II alone are sufficient to answer the question.
(5) The data in statement II alone are sufficient to answer the question while the data in statement I are not
37. Among four friends W, X, Y and Z (each having different number of cookies), who has
the most number of cookies?
I. W has lesser number of cookies than Z. Y does not have the most number of cookies.
II. W has more cookies than Y. X does not have the most number of cookies.
38. In a code language my dear family is coded as 624. Which number stands for
dear?
I. In the same code language my small family is coded as 256.
II. In the same code language, dear family friend is coded as 647?
39. How is P related to Q?

Page 44

I. Q is the mother of T. M is the only sibling of T. H is the daughter of M and P.
II. M is married to P. T is the brother of M. Q is the brother of T.
40. How many students attended the cultural fair of the college?
I. The number of students attending the cultural fair was twice the number of female students.
II. The number of female students attending the cultural fair was 25 more than that in the previous year.
Page 45


1. The ratio of monthly salaries of two persons. A and B is 8:7. If the salary of A is
increased by 20% and that of B by 11% the new ratio becomes 96: 77. What is As salary?
(1) Rs.800
(2) Rs.700
(3) Rs.750
(4) Cannot be determined
(5) None of these
2. Simple interest on a certain sum at 7 p.c. p.a for four years is Rs. 3584. What will be the
compound interest on the same principal at 4 p.c. p.a. in two years?
(1) Rs. 1054.48
(2) Rs. 1044.48
(3) Rs. 1044.84
(4) Rs. 1064.84
(5) None of these
3. The cost of pure milk is Rs. 16 per litre. On adding water the mixture is sold at Rs.
15/litre. In this way the milkman earns 25% profit. What is the ratio of milk and water in
the mixture?
(1) 25 : 7
(2) 7 : 25
(3) 15 : 1
(4) 1 : 15
(5) None of these
4. Four persons - M. N, O and P-distributed a sum of Rs. 44352 among themselves. M got
th of total amount. N got th part of the remaining amount. Thereafter, the remaining
amount was divided between O and P in teh ratio 3 : 2. The amount received by P is
(1) Rs. 1648
(2) Rs. 1848
(3) Rs. 1884
(4) Rs. 1684
(5) Rs.1448
5. Three persons A. B and C start a business with Rs. 12800. Rs. 16800 and Rs. 9600
respectively. At the end of the year. B received Rs. 13125 as share in total profit. What is
the share of Mr. C in the profit?
Page 46

(1) Rs.7850
(2) Rs.7550
(3) Rs.7500
(4) Rs.8500
(5) None of these
6. One-third of a diagonal of a square is units. What is the measure or the side or the
square?
(1) 6 units
(2) 3 units
(3) 18 units
(4) 9 units
(5) None of these
7. 56 men can do a job in 14 days. How many additional men are required to do the same
job in 8 days?
(1) 42
(2) 24
(3) 52
(4) 25
(5) None of these
8. A shopkeeper has goods of worth Rs. 6000. He sold hall or the goods at a gain of 12%.
At what profit percent should he sell the remaining half of the stock so that he gets 18%
profit on the whole?
(1) 25%
(2) 24%
(3) 18%
(4) 21%
(5) None of these
9. A 210 metre long train crosses a man running at 9 kmph in opposite direction in 6
seconds. Find the speed or the train.
(1) 98 kmph
(2) 97 kmph
(3) 107 kmph
(4) 117 kmph
(5) None of these
10. Average score of a cricketer in 13 matches is 42 runs. If the average score in the first
five matches be 54 runs what is the average score in the last eight matches?
Page 47

(1) 36.5
(2) 34.5
(3) 35.4
(4) 38.5
(5) None of these
11. The perimeter- of a rectangle whose length is 6 metre more than its breadth is 84
metre. What is the area of the triangle whose base is equal to the diagonal of the rectangle
and height is equal to the length of the rectangle?
(1) 360 sq. metre
(2) 360 sq. metre
(3) 380 metre
(4) 400 sq. metre
(5) None of these
12. Due to decrease of 10% in the price of tea per kg. a consumer buys 250gm of tea more
than before for Rs. 270. What is the Original price of tea ?
(1) Rs. 130/kg
(2) Rs. 120/kg
(3) Rs. 115/kg
(4) Rs. 140/kg
(5) None of these
Directions (93-107): What will come in place of the question mark (?) in the following questions?
13.(34.5 14 42) 2.8 = ?

(1) 7445
(2) 7425
(3) 7245
(4) 7435
(5) None of these
14. -676.76 + 1237.87 + 897.34 - ? = 1294.25

(1) 168.2
(2) 164.2
(3) 154.2
(4) 164.8
(5) None of these
15. 3/8 of {4624 (564 - 428)} = ?

(1) 11.75
(2) 12.57
(3) 21.75
Page 48

(4) 12.75
(5) None of these
16.
(1) 18
(2) 17
(3) 28
(4) 19
(5) None of these
17. (216) 4 (36) 4 x 6 5 = (6)?

(1) 8
(2) 9
(3) 7
(4) 10
(5) 11
18. 456 24 38 - 958 + 364 = ?

(1) 228
(2) 124
(3) 128
(4) 138
(5) 145
19.
Page 49

20. (973 14) 5 11 = ?
(1) 152.2
(2) 152.9
(3) 159.2
(4) 195.2
(5) None of these
21.
(1) 196
(2) 125
(3) 169
(4) 225
(5) 81
22. (43) 2 + 841 = (?) 2 + 1465

(1) 15
(2) 65
(3) 45
(4) 35
(5) 25
23.
24.
Page 50

(1) 5.75
(2) 6.75
(3) 7.75
(4) 6.25
(5) 6.50
25. (1097.63 + 2197.36 - 2607.24) 3.5 = ?

(1) 196.5
(2) 186.5
(3) 196.75
(4) 200.5
(5) 136.5
26.
(1) 121
(2) 11
(3) 9
(4) 12
(5) 17
27.
(1) 16
(2) 12
(3) 14
(4) 18
(5) 17
Directions (28-32): What will come in place of the question mark (7) In the following number series 7
28. 960 839 758 709 ? 675

(1) 698
(2) 694
(3) 684
Page 51

(4) 648
(5) 680
29. 3 ? 14 55 274 1643

(1) 5
(2) 6
(3) 7
(4) 8
(5) None of these
30. 36 38.8 42.8 ? 54.4 62

(1) 46
(2) 48
(3) 45
(4) 48.2
(5) 49.4
31. 37 ? 103 169 257 367

(1) 49
(2) 46
(3) 56
(4) 59
(5) 69
32. 4 6 12 ? 90 315
(1) 25
(2) 27
(3) 30
(4) 45
(5) None of these
Directions (33-37): In the following table the number of pages printed by 6 printers in 5 weeks has
been given. Read the following table carefully and answer the questions.
Page 52

33. What is the average number of pages printed by all printers in the first week 7
(1) 586.5
(2) 540
(3) 545.4
(4) 546.5
(5) 548
34. What is the average number of pages printed by printer C taking all the weeks
together ?
(1) 529
(2) 519
(3) 591
(4) 592
(5) 539
35. In which week was the number of printed pages maximum?

(1) First
(2) Second
(3) Third
(4) Fourth
(5) Fifth
36. The difference between the pages printed by printers A and E in the second week is
(1) 46
(2) 42
(3) 62
(4) 52
(5) None of these
Page 53

37. The difference between the total pages printed by printers B and C (all weeks taken
together) is
(1) 65
(2) 70
(3) 66
(4) 77
(5) None of these
38. Pipe A can fill a tank in 8 Hours while another pipe B can fill it in 16 hours. A third
pipe C can empty the full tank in 32 hours. All three pipes are opened simultaneously. In
what time will an enmity tank be filled?
(1) 5.5 hours
(2) 6 hours
(3) 6.4 hours
(4) 7 hours
(5) 7.2 hours
39. A and B are two numbers. Six times square of B is 540 more than square of A. The
ratio of A and B is 3 : 2. Find the number B?
(1) 12
(2) 18
(3) 14
(4) 21
(5) None of these
40. Eight years ago, the age of Vishal was four times that of Shekhars. After 8 years,
VishaJs age will be twice of Shekhars age. Vishals present age is
(1) 24years
(2) 28years
(3) 30years
(4) 32years
(5) None of these
Page 54
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Subject: General Awareness

1. Derivatives Contract which gives the buyer/holder of the contract the right (but not the
obligation) to buy/sell the underlying asset at a predetermined price within or at end of a
specified period is known as
(1) Futures Contract
(2) Option Contract
(3) Index Futures contract
(4) Mini Derivative Contract
(5) None of these
2. The first Yash Chopra Memorial Award has been given to

(1) A. R. Rahman
(2) Lata Mangeshkar
(3) Amitabh Bachchan
(4) Rishi Kapoor
(5) Gulzar
3. CASA ratio of bank indicate the

(1) Banks deposits
(2) Banks Non Performing Assets
(3) Banks liabilities
(4) Banks base rate
(5) Banks total assets
4. The process by which LIC holder can transfer all rights, title and interest under a policy
contract to any third person is known as
(1) Subrogation
(2) Escrow
(3) Mortgage
(4) Assignment
(5) Nomination
5. In order to promote no frills accounts as part of basic banking, the Reserve Bank of
India, in August 2012, advised banks to rechristen it as
(1) Basic Saving Account
(2) Basic Deposit Account
(3) Basic Account
(4) Basic Savings Bank Deposit Account
(5) None of these
Page 55

6. The UIDAI has set a target of enrolment for how many people for Aadhaar Numbers till
end of2014?
(1) 25 crore people
(2) 48 crore people
(3) 50 crore people
(4) 60 crore people
(5) 72 crore people
7. Equity share is also known as

(1) Shareholder equity
(2) Stockholders equity
(3) Share capital
(4) Net worth
(5) All of these
8. Fixed Deposit is also referred to as

(1) Time Deposit
(2) Recurring Deposit
(3) Demand Deposit
(4) Static Deposit
(5) All of the above
9. W ith which sports is Deepak Lathore associated?

(1) Basketball
(2) Athletics
(3) Weightlifting
(4) Squash
(5) Wrestling
10. What is the minimum age required to become a member of the Rajya Sabha?
(1) 21 years
(2) 25 years
(3) 30 years
(4) 32 years
(5) 35years
11. Microcredit concentrates on

(1) Small loans
(2) Women
(3) Rural areas
(4) Poor people
(5) All of these
Page 56

12. Which of the following is a receipt, declaring ownership of shares of a foreign
company, which can be listed In India and traded in rupees?
(1) ADR
( 2) GDR
(3) IDR
(4) EDR
(5) None of these
13. NABARD is responsible for regulating and supervising

(1) Securities market in India
(2) Bank rates of scheduled commercial banks in India
(3) Cooperatives
(4) Regional Rural Banks
(5) Only 3 and 4
14. Arrangement of bank selling insurance product acting as agent of respective companies
is called
(1) Bancassurance
(2) Outsourcing
(3) Delegation
(4) Proxy Insurance
(5) Shadow Insurance
15. BCSBI aims to plan, evolve, prepare, develop, promote and publish comprehensive
Codes and Standards for banks, for providing for fair treatment to their customers. Which
of the following codes has been evolved by it?
(1) Code of Banks Commitment to Customers
(2) Code of Banks Commitment to Micro and Small Enterprises
(3) Code of Banks Commitment to Financial Inclusion
(4) Both 1 and 2
(5) Both 2 and 3
16. World Food Day is observed on

(1) 5 September
(2) 21 September
(3) 16 October
(4) 19 November
(5) 3 December
17. The Adhaar-enabled payment systems (AEPS) is a bank-led model that facilitates
banking facilities by allowing transactions at Point of Sale through the business
Page 57

correspondent (BC) using the Aadhaar authentication number. Adhaar-enabled basic
types of banking transactions do not include
(1) Balance enquiry
(2) Cash withdrawal
(3) Online payment
(4) Cash deposit
(5) Aadhaar to Aadhaar funds transfer
18. Which of the following is Asias largest residential university?

(1) Nalanda University
(2) University of Delhi
(3) Banaras Hindu University
(4) Jamia Milia Islamia
(5) Jawaharlal Nehru University
19. Which of the following banks/ ministries/bodies is the Lender of last resort in India?
(1) World Bank
(2) Reserve Bank of India
(3) Union Ministry of Finance
(4) Planning Commission
(5) International Monetary Fund
20. For expanding access to banking services, the Reserve Bank of India has advised
banks to open branches with minimum infrastructure support of 8 to 10 BC units at a.
reasonable 3-4 km. Such branches are known as
(1) White Label ATMs
(2) Ultra Small Branches
(3) Banking Kiosks
(4) CBS Terminals
(5) ICT Hubs
21. According to the Income Tax Act of 1961, the age of Super Senior Citizens should be
(1) 62years
(2) 70years
(3) 80years
(4) 88years
(5) 95years
22. Who has authored the book, titled The Lowland?

(1) Khushwant Singh
(2) Vikram Seth
(3) Chetan Bhagat
Page 58

(4) Jhumpa Lahiri
(5) Jeet Thayil
23. Who, at present, is the Chief Election Commissioner of India?

3(1) V.S. Sampath
(2) S.Y. Qureshi
(3) Navin Chawla
(4) N. Gopalaswamy
(5) B.B. Tandon
24. When Criminals use an innocent persons details to open or use an account to carry out
financial transactions, it is known a
(1) Money Laundering
(2) Phishing
(3) Identity Theft
(4) Real Time gross Settlement
(5) Insinuation
25. Where is the headquarters of the United Nations Organization located?

(1) Rome
(2) Brussels
(3) Geneva
(4) New York
(5) Paris
26. As per the announcements made in Union Budget 2013-14, a person taking a loan for
his first home from a bank or a housing finance corporation (HFC) up to Rs 25 lakh from
April 1, 2013 to March 31, 2014, will be entitled to an additional deduction of interest of
(1) Rs. 75,000
(2) Rs. 1 lakh
(3) Rs. 1.5 lakh
(4) Rs. 2 lakhs
(5) Rs. 2.6 lakh
27. Where was the 8lh National Conference on Krishi Vlgyan Kendra 20 13 held?
(1) Chandigarh
(2) Bangalore
(3) Kolkata
(4) Patna
(5) Jodhpur
28. The Reserve Bank of India has made it mandatory for banks to lend at least 40per cent
of their credit to select sectors such as agriculture, Micro and Small Enterprises other
Page 59

weaker sections, etc. Which banks have to lend at least 40 per cent of their total net credit
to priority sectors?
(1) Scheduled Commercial Banks
(2) Foreign Banks
(3) NABARD
(4) IRDA
(5) All of the above
29. What is the term for a bank without any branch network that offers its services
remotely?
(1) Virtual Bank
(2) Direct Bank
(3) Lending Institution
(4) Indirect Bank
(5) Online Bank
30. With reference to Indian Banking sector which of the following is the most appropriate
expanded form of EMI?
(1) Estimated Monthly Installment
(2) Extended Matching Items
(3) Equated Monthly Installment
(4) Enterprise Manufacturing Intelligence
(5) Easy Monthly Installment
31. Which term is used for banking in which banking institutions execute transactions
directly with consumers rather than corporations or other banks?.
(1) Merchant Banking
(2) Collateral Banking
(3) Retail Banking
(4) Bulk Banking
(5) Direct Banking
32. As per the 2011 Census which state of India has the lowest density?
(1) Mizoram
(4) Tripura
(5) Nagaland
33. With which state of India is the Cheraw Dance associated?

(1) Assam
(2) Tripura
Page 60

(3) Meghalaya
(4) Mizoram
(5) Rajasthan
34. The Direct Benefit Transfer Scheme is targeted at the people

(1) Affected by Uttrakhand landslides
(2) Affected by communal riots
(3) Living below the poverty line
(4) Suffering from acute starvation
(5) Belonging to Other Backward Classes
35. Which among the following, is not identified as a minority community in India?
(1) Buddhists
(2) Jains
(3) Muslims
(4) Zoroastrians
(5) Sikhs
36. Which of the following bodies recently expressed concern over unregistered investment
advisors spread across the country and brought out the Investment Advisers Regulations
2013?
(1) Reserve Bank of India
(2) IRDA
(3) SEBI
(4) NABARD
(5) CII
37. EFTPOS (electronic funds transfer at point of sale) is based on

(1) SMS Alerts
(2) Debit Cards
(3) Credit Cards
(4) Both 1 and 2
(5) Both 2 and 3
38. In a circular issued by the Reserve Bank of India on 9 April 2010. Banks were advised
to switch over to which system for calculation of their lending rates with effect from July
1.2010?
(1) Prime Lending Rate System
(2) Base Rate System
(3) Marginal Liquidity Facility System
(4) Statutory Liquidity Ratio system
(5) Benchmark Rate System
Page 61

39. Which Bollywood actress in October 2013 was honoured in the House of Commons for
her contribution to the global entertainment?
(1) Aishwarya Rat Bachchan
(2) Sharmila Tagore
(3) Kareena Kapoor
(4) Waheeda Rehman
(5) Shabana Azmi
40. Part of companys earning or profit which is paid out to share holders is known as
(1) Premium
(2) Dividend
(3) Bonus
(4) Sum Assured
(5) Return
Page 62


1. The advantage of a LAN is
(1) Sharing peripherals
(2) Backing up your data
(3) Saving all your data
(4) Accessing the Web
(5) Automatic printing of data
2. Of the 5 words listed below which one is the odd one out?
(1) Applications
(2) Peripherals
(3) Programs
(4) Software
3. What type of device is a computer printer?

(1) Input
(2) Input / Output
(3) Software
(4) Storage
(5) Output
4. What is the biggest number you can get with 8 bits?

(1) 256
(2) 128
(3) 1000
(4) 255
(5) 1024
5. What type of device is a digital camera?

(1) Input
(2) Output
(3) Software
(4) Storage
(5) Input / Output
6. Which of the following domains is used by for-profit businesses?

(1) .com
(2) .edu
(3) .mil
Page 63

(4) .net
(5) .org
7. WAN stands for __

(1) Wired Area Network
(2) Wide Area Network
(3) Wide Array Net
(4) Wireless Area Network
(5) Wanted Area Network
8. What are lists of programs waiting to be run called?

(1) Shells
(2) The background
(3) Queues
(4) Page frames
(5) Lists
9. An example of peripheral equipment is the(1) Printer

(2) CPU
(3) spreadsheet
(4) microcomputer
(5) ALU
10. Which of the following commercial software products are examples of operating
system software and application software respectively?
(1) Microsoft Windows XP and Microsoft. Word
(2) Microsoft Office XP and Microsoft Windows XP
(3) MS DOS and Microsoft Windows XP
(4) UNIX and LINUX
(5) UNIX and Java
11. __ are attempts by individuals to obtain confidential information from you by

falsifying their identity.
(1) Phishing trips
(2) Computer viruses
(3) Spyware scams
(4) Viruses
(5) Phishing scams
12. Why is it unethical to share copyrighted files with your friends?
Page 64

(1) It is not unethical, because it is legal.
(2) It is unethical because the files are being given for free.
(3) Sharing copyrighted files without permission breaks copyright laws.
(4) It is not unethical because the files are being given for free.
(5) It. is not unethical - any- one can access a computer
13. Which of the following can be used to select the entire document?
(1) CTRL + A
(2) ALT + F5
(3) SHIFT + A
(4) CTRL + K
(6) CTRL + H
14. The system unit(1) coordinates input and output devices

(2) is the container that houses electronic components
(3) is a combination of hardware and software
(4) controls and manipulates data
(5) does the arithmetic operations
15. The simultaneous processing of two or more programs by multiple processors is __

(1) multiprogramming
(2) multitasking
(3) time-sharing
(4) multiprocessing
(5) None of these
16. The device which helps you to communicate with computer is called:
(1) Input device
(2) Output device
(3) Software device
(4) Storage device
(5) None of these
17. In order to avoid memorizing e-mail address you should use

(1) Browser
(2) Search engine
(3) List of Birth date
(4) Phonebook
(5) Address book
18. The devices which store information and that are used by computer for its functioning
are called:
Page 65

(1) Input devices
(2) Output devices
(3) Software devices
(4) Storage devices
(5) None of these
19. Which among the following is not such an operation which can be carried out on
objects in graphic programmed?
(1) Spell check
(2) Change size
(3) Move
(4) Delete
(5) None of these
20. A hardware device which converts data into meaningful information is called
(1) Protector
(2) Output device
(3) Input device
(4) Program
(5) Processor
21. Which process checks to ensure the components of the computer are operating and
connected properly?
(1) Booting
(2) Processing
(3) Saving
(4) Editing
(5) Starting
22. A means of capturing an image (drawing or photo) so that it can be stored on a

computer is
(1) Modem
(2) Software
(3) Scanner
(4) Keyboard
(5) Mouse
23. An error in a computer program

(1) Crash
(2) Power Failure
(3) Bug
(4) Virus
(5) Fatal error
Page 66

24. Access control based on a persons fingerprints is an example of
(1) biometric identification
(2) characteristic identification
(3) characteristic security
(4) fingerprint security
(5) logistics
25. The patterns of printed lines on most products are called

(1) prices
(2) striping
(3) scanners
(4) OCR
(5) barcodes
26. Most mail programs automatically complete the following two parts in an e-mail
(1) From: and Body:
(2) From: and Date:
(3) From: and To:
(4) From: and Subject:
(5) None of these
27. The computers capability of distinguishing spoken words is called

(1) voice analysts
(2) speech acknowledgement
(3) voice recognition
(4) speech interpretation
(5) vocalization
28. Which of the following is an advantage of mounting an application on the Web?

(1) the possibility of 24-hour access for users
(2) creating a system that can extend globally
(3) standardizing the design of the interface
(4) All of these
(5) None of these
29. The first page of a Web site is called the

(1) Homepage
(2) Index
(3) Java Script
(4) Book mark
(5) Intro Page
Page 67

30. ERP is an acronym for
(1) Enterprise Retirement Planning
(2) Enterprise Relationship Planning
(3) Enterprise Resource Planning
(4) Enterprise Reorder Planning
(5) Enterprise Retention Planning
31. Origin of internet can be tracked from

(1) ARPAnet
(2) Radio networks
(3) Satellite networks
(4) Indian army networks
(5) Air Force networks
32. To connect networks of similar protocols. __ are used

(1) Routers
(2) Bridges
(3) Gateways
(4) Dial-up routers
(5) None of these
33. Decimal equivalent of (11l1)2

(1) 11
(2) 10
(3) 1
(4) 15
(5) 13
34. _ is one reason for problems of data integrity

(1) Data availability constraints
(2) Data inconsistency
(3) Security constraints
(4) Unauthorized access of data
(5) Data redundancy
35. Dr. E.F. Codd represented____ rules that a database must obey if it has to be
considered truly relational
(1) 10
(2) 8
(3) 12
(4) 6
(5) 5
Page 68

36. > symbol in DOS commands is use to
(1) Compare two values
(2) Redirect input
(3) Redirect output
(4) Filter data
(5) None of these
37. System proposal is prepared in ____ phase of SDLC

(1) Conception
(2) Initiation
(3) Analysis
(4) Design
(5) construction
38. A data warehouse

(1) Contains numerous naming conventions and formats
(2) Is organized around important subject areas
(3) Contains only current data
(4) Can be updated by end users
(5) Explains some observed event or condition
39. Which of these is considered intelligent CASE tool

(1) Toolkit
(2) Methodology companion
(3) Workbench
(4) Upper CASE
(5) Lower CASE
40. Super computer developed by Indian scientists

(1) Param
(2) Super301
(3) Compaq Presario
(4) CrayYMP
(5) Blue Gene
Page 69

Subject: Reasoning
Directions (1-5): Study the following information carefully and answer the questions given below:
Seven persons A, B, C, D, E, F and G - are standing in a straight line facing north at equal distances
but not necessarily in the same order. Each of them is a different professional viz. Actor. Reporter,
Doctor, Engineer, Lawyer. Teacher and Painter but not necessarily in the same order.
G is standing at the fifth position to the left of C. Reporter is standing at the third position to the right
of G. F is standing at the fifth position to the right of A. E is standing second to the left of B. Engineer
is standing the second position to the left of D. Three persons are sitting between Engineer and
Painter. Doctor is to the immediate left of Engineer. Lawyer is to the immediate right of teacher.
1. How many persons are there to the left of Reporter?

(1) None
(2) One
(3) Two
(4) Three
(5) More than three
2. Which o f the following pairs of persons are sitting at the extreme ends?
(1) A and Actor
(2) Engineer and C
(3) Doctor and F
(4) F and Lawyer
(5) Teacher and Doctor
3. Who among the following is Sitting exactly in the middle of the row?
(1) Doctor
(2) F
(3) Lawyer
(4) B (5) Teacher
4. Who among the following is sitting second to the right of Teacher?

(1) Painter
(2) B
(3) A
(4) Actor
(5) Lawyer
5. Who among the following are the immediate neighbours of Painter?

(1) Actor and Teacher
(2) B and Lawyer
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(3) B and Engineer
(4) Reporter and C
(5) Doctor and Lawyer
Point A is 11 metre to the north of point B. Point C is 11 metre to the east of point B. Point D is 5
metre to the north of point C. Point E is 7 metre to the west of the point D. Point F is 9 metre to the
north of point E. Point G is 4 metre to the west of point F.
6. Point D is in which direction with respect to point F?

(1) North-East
(2) South-East
(3) South
(4) North-West
(5) East
7. Which of the following three points lie in a straight line?

(1) A, E and D
(2) F. E and C
(3) G. F and B
(4) G. A and B
(5) None of these
Among six persons K, L, M, N, O and P - each lives on a different floor of a building having six
floors numbered one to six (the ground floor is numbered 1. the floor above it is numbered 2 and so on
and the topmost floor is numbered 6).
L lives on an even numbered floor. L lives on a floor immediately below Ks floor and immediately
above Ms floor, P lives on a floor immediately above Ns floor. P lives on an even numbered floor. O
does not live on floor number 4.
8. Who amongst the following live on the floors exactly between K and P?
(1) O and L
(2) Land N
(3) Land M
(4) M and N
(5) M and O
9. On which floor does 0 live?

(1) 6th
(2) 2nd
(3) 3rd
(4) 5th
Page 71

10. Who amongst the following does live on floor?
(1) O
(2) M
(3) N
(4) K
Directions (11 - 15): Each of the questions below consists of a question and two statements numbered I and
II given below It. You have to decide whether the data provided in the statements are sufficient to answer
the question. Read both the statements andGive answer (1) if the data in statement I alone are sufficient to answer the question while the data in
statement II alone are not sufficient to answer the question.
Give answer (2) if the data in statement II alone are sufficient to answer the question while the data in
statement I alone are not sufficient to answer the question.
Give answer (3) if the data either in statement I alone or in statement II alone are sufficient to answer
the question.
Give answer (4) if the data given in both the statements I and II together are not sufficient to answer
the question and
Give answer (5) if the data in both the statements I and II together are necessary to answer the
question
11. Is D the mother of S?

I. L is the husband of D. L has only three children.
II. N is the brother of Sand P. P is the daughter of L.
12. How many students are there in the class?

I. There are more than 20 but less than 27 students in the class.
II. There are more than 24 but less than 31 students in the class. When the students are divided into groups
each group contains five students.
13. Among J, K, L M and N. each has different height. Who amongst them is the second
tallest?
I. N is taller than M and K. K is shorter than M.
II. L is taller than N. J is not the tallest.
14. Five persons A, B, C, D and E- are sitting in a circle facing the centre. Who is sitting
to the immediate left of D?
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I. C is sitting second to the left of A. Band 0 are immediate neighbours of each other.
II. D is sitting to the immediate left of B. E is not an immediate neighbour of D and B.
15. How is cost written in a code language?

I. tell me the cost is written as @ 0 # 9 and cost was very high is written as & 6 # 1 in that code
language.
II. some cost was discount is written as 1 8 7 # and some people like discount is written as 8 7 5 % in
that code language.
Directions (16-20): In these questions relationship between different elements is shown in the statements.
These statements are followed by two conclusions.
Mark answer if
(1) Only conclusion I follows.
(2) Only conclusion II follows.
(3) Either conclusion I or II follows.
(4) Neither conclusion I nor II follows.
(5) Both conclusions and II follow.
16. Statements
K>ITE:
O<R<K
Conclusions
I. R < E
II. O < T
17. Statements
B>A> S< I> C>L< Y
Conclusions
I. B > L
II. A > Y
18. Statements
C<L<O= U= DS> y
Conclusions
I. O > Y
II. C < D
Page 73

19. Statements
B>R>E>A>K
H > A >S
Conclusions
I. H > K
II. S < B
20. Statements
J=A; CKSA
Conclusions
I. C > J
II. C = J
Directions (21-25): In each of the questions/set of questions below are given two statements followed by
two conclusions numbered I and II. You have to assume everything in the statements to be true even if they
seem to be at variance from commonly known facts and then decide which of the two given conclusions
logically follows from the information given in the statement,
Give answer (1) if only conclusion I follows.
Give answer (2) if only conclusion II follows.
Give answer (3) if either conclusion I or conclusion II follows.
Give answer (4) if neither conclusion I nor conclusion II follows.
Give answer (5) if both conclusions I and II follow,
21. Statements
All alphabets are numbers.
Some alphabets are digits.
Conclusions
I. At least some digits are numbers.
II. No digit is a number.
22. Statements
Some squares are circles.
Some circles are rectangles
Conclusions
Page 74

I. At least some rectangles are squares.
II. No rectangle is a square.
23. Statements
No office is a palace.
All colleges are places.
Conclusions
I. All palaces are colleges.
II. No college is an office.
24. Statements
All mountains are rivers.
All rivers are lakes.
Conclusions
I. All mountains are lakes.
II. At least some lakes are rivers.
25. Statements
Some wins are losses.
All trophies are losses.
Conclusions
I. All trophies are wins.
II. All losses are trophies.
In a certain code language very large risk associated is written as nu ta ro gi
risk is very low is written as gi se nu mi
is that also associated is written as ta mi po Iu
inherent risk also damaging is written as fu nu di yu
26. Which of the following is the code of damaging?

(1) di
(2) yu
(3) nu
(4) either di or yu
(5) None of these
Page 75

27. Which of the following may represent risk is very large?
(1) gi mi nu ro
(2) nu gi ta se
(3) nu ro se yu
(4) ro gi di nu
(5) None of these
28. Which of the following is the code of associated?

(1) nu
(2) po
(3) ta
(4) fu
(5) gi
29. What would be the code for inherent large risk?

(1) yu ro nu
(2) di ro nu
(3) yu fu ro
(4) di ta se
30. Which of the following may represent low risk associated industry ?
(1) ta nu gi ro
(2) ta hi nu se
(3) mi ta se fu
(4) di gi ta po
(5) po gi se di
Directions (31-35): Study the following information carefully answer the questions given below:
CEBACDBCDACEDE DCABADACEDUBANBD
31. How many such Ds are there in the above arrangement each of which is immediately
preceded by a consonant and also immediately followed by a vowel?
(1) None
(2) One
(3) Two
(4) Three
(5) More than three
32. How many Ds are there in the above arrangement?
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(1) Four
(2) Three
(3) Five
(4) Seven
(5) Six
33. If all the Bs are deleted from the above arrangement which of the following will be
eleventh from the left end?
(1) D
(2) C
(3) E
(4) A
(5) None of these
34. How many such As are there in the above arrangement each of which is immediately
preceded by B and also immediately followed by a consonant?
(1) None
(2) One
(3) Two
(4) Three
(5) More than three
35. Which of the following is ninth to the right of the 22nd from the right end of the above
arrangement?
(1) A
(2) C
(3) B
(4) D
(5) E
Eight people - S, T, U, V, W, X, Y and Z - are sitting around a circle but not necessarily in the same
order. Two of them S and Tare facing towards the centre while other people are facing towards the
outside. Y sits second to the left of W. S sits second to the left of Y. Only one person sits between Sand
Z. T sits to the immediate right of S. T is not an immediate neighbour of Y. V is not an immediate
neighbour of Y. Both the immediate neighbours of X face towards the outside.
36. What is the position of X with respect to S?

(4) Fourth to the right
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37. Who sits to the immediate left of Z?
(1) T
(2) W
(3) S
(4) X
(5) V
38. Which of the following pairs represents the immediate neighbours of W ?

(1) V and X
(2) V and Z
(3) X and Y
(4) Z and T
(5) S and U
39. What is the position of U with respect to W ?

(2) Fifth to the right
(3) Sixth to the left
(5) Fifth to the left
40. How many people sit between U and V?

(1) Two
(2) Four
(3) One
(4) Three
(5) Five
Page 78
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Directions (1-5): In each of these questions, two sentences (I) and (II) are given. Each sentence has a blank
in it. Five words (1), (2), (3), (4) and (5) are suggested. Out of these. only one fits at both the places in the
context of each sentence. Number of that word is the answer.
1. I. Future generations will be left with a __ of pollution and destruction.

II. They each received a __ of $ 10000.
(1) legacy
(2) sum
(3) fortune
(4) amount
(5) inheritable
2. I. He was in bringing about an end to the Conflict.

II. Mr. Hart Prasad Chaurasia is an exponent of __ music.
(1) instrument
(2) instrumental
(3) keen
(4) instructor
(5) popular
3. I. Many __ men remarry and have second families.

II. When he was depressed. he felt utterly __ from reality.
(1) divided
(2) separate
(3) disturbed
(4) divorced
(5) destined
4. I. Most of our employees get __ abroad at some stage.

II. The aircraft and its crew were __ missing.
(1) announced
(2) arrested
(3) sent
(4) posted
(5) stationed
5. I. He admired his __ in the mirror.

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II. The article is an accurate __ of even is that day.
(1) reflection
(2) description
(3) imagery
(4) photograph
(5) mirage
Directions (6-10): In each question below, four words printed in bold type are given. These are numbered
(1), (2), (3) and (4). One of these words printed in bold may either be wrongly spelt or inappropriate in the
context of the sentence. Find out the word that is inappropriate or wrongly spelt, if any. The number of that
word is your answer. If all the words printed in bold are correctly spelt and appropriate in the context of the
sentence then mark (5) i.e. All Correct as your answer.
6. Only the golkeepers (1)/ reflexes (2) / stopped the ball (3)/ from going in. (4)/ All
Correct (5)
7. He has (1)/ refrain (2)/ from criticizing (3) / the government (4)/ in the public. All
Correct (5)
8. To save his own skull (1)/ he lied and blamed (2)/the accident (3)/ on his friend. (4)/ All
Correct (5)
9. He was badly (1)/ shaken (2)/ by the news (3)/ of her dead. (4)/ All Correct (5)
10. We lost (1)/ our way (2)/in the laybarinth (3)/ of streets. (4)/ All Correct (5)
Directions (11-15): Read each sentence to find out whether there is any grammatical error in it. The error if
any will be in one part of the sentence, the number of that part will be the answer. If there is no error, the
answer is (5). i.e. No error. (Ignore the errors of punctuation. if any.)
11. Lets wait and see (1)/ how the land (2)/ laid before (3)/ we do anything. (4)/ No error
(5)
12. In ancient Greece (1)/ a messenger ran from Marathon (2)/ to Athens with the news of
(3) / a victory of the persians. (4)/ No error (5)
13. Grammar information enables (1)/ students to map a (2)/ structure of a foreign (3)/
language onto their own. (4)/ No error (5)
14. Their wedding (1)/ turned out to be (2)/ quite (3)/ an occasion. (4)/ No error (5)
15. I may be stated(I) / the obvious but (2)/ without more-money the (3)/ project cannot
survive. (4)/ No error (5)
Page 80

Directions (16 - 20): Rearrange the following six sentences/ group of sentences (A), (B), (C), (D), (E)
and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given
below them.
(A) The storm-given the name Hercules-closed major roads with snowdrifts.
(B) A fierce winter storm brought dangerous glacial temperature in New York on Friday.
(C) Weather experts said the wind chill temperature would plummet to -25 in New York.
(D) With more than 24 inches of snow falling in the city, a state of emergency was declared.
(E) More than 4000 international and domestic flights were also cancelled.
(F) Indeed storms are disastrous.
16. Which of the following should be the FIRST sentence after the rearrangement?
(1) E
(2) B
(3) D
(4) C
(5) F
17. Which of the following should be the FOURTH sentence after the rearrangement?
(1) D
(2) F
(3) B
(4) E
(5) C
18. Which of the following should be the FIFTH sentence after the rearrangement?
(1) E
(2) D
(3) B
(4) C
(5) F
19. Which of the following should be the SIXTH (LAST) sentence after the
rearrangement?
(1) A
(2) D
(3) F
(4) E
(5) C
20. Which of the following should be the SECOND sentence after the rearrangement?
(1) A
(2) D
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(3) F
(4) B
(5) C
Directions (21-30): Read the following passage carefully and answer the questions given below it. Certain
words have been printed in bold to help you locate them while answering some of the questions.
Internet banking is the term used for new age banking system. Internet banking is also called as
online banking and it is an outgrowth of PC banking. Internet banking uses the internet as the
delivery channel by which to conduct banking activity for example, transferring funds, paying bills,
viewing checking and savings account balances, paying mortgages and purchasing financial
instruments and certificates of deposits. Internet banking is a result of explored possibility to use
internet application in one of the various domains of commerce, It is difficult to infer whether the
internet tool has been applied for convenience of bankers or for the customers convenience. But
ultimately it contributes in increasing the efficiency of the banking operation as well providing more
convenience to customers. Without even interacting with the bankers, customers transact from one
corner of the country to another corner.
There are many advantages of online Banking. It is convenient, it isnt bound by operational timings,
there are no geographical barriers and the services can be offered at a minuscule cost. Electronic
banking has experienced explosive growth and has transformed traditional practices in banking.
Private Banks in India were the first to implement internet banking services in the banking industry.
Private Banks due to late entry into the industry understood that the establishing network in remote
comers of the country is a very difficult task, It was clear to them that the only way to stay connected
to the customers at any place and at any time is through internet applications. They took the internet
applications as a weapon of competitive advantage to comer the great monoliths like State Bank of
India. Indian Bank etc. Private Banks are pioneer in India to explore the versatility of internet
applications in delivering services to customers.
Several studies have attempted to assess the relative importance of B2B and B2C business domains.
There is wide difference in estimates of volume of business transacted over Internet and its
components under B2C and B2B. However. most studies agree that volume of transactions in B2B
domain far exceeds that in B2C. This is expected result. There is also a growing opinion that the
future of e-business lies in B2B domain as compared to B2C. This has several reasons like low
penetration of PCs to households low bandwidth availability etc.. in a large part of the world. The
success of B2C ventures depends to a large extent on the shopping habits of people in different parts
of the world. A survey sponsored jointly by Confederation of Indian Industries and Infrastructure
Leasing and Financial Services on e-commerce in India in 2010 the following observations. 62% of PC
owners and 75% of PC non-owners but who have access to Internet would not buy through the net as
they were not sure of the product offered. The same study estimated the size of B2B business in India
by the year 2011 to be varying between Rs. 1250 billion to Rs. 1500 billion. In a recent study done by
Arthur Anderson, it has been estimated that 84% of total e-business revenue is generated from B2B
segment and the growth prospects in this segment are substantial. It has estimated the revenues to be
anywhere between US $ 8.1 trillion to over US $ 21 trillion within the next three years (2014).
21. Which bank(s) is/are pioneer in India to explore the versatility of internet banking in
serving customers?
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(1) State Bank of India
(2) Indian Bank
(3) Public Sector Banks
(4) Private Banks
(5) None of these
22. Which of the following is not an advantage of online banking?

(1) It is convenient.
(2) It is bound by operational timings.
(3) The services can be offered at a minimum cost.
(4) There is no geographical barrier.
(5) None of these
23. What percentage of PC non- owners but who have access to Internet would not prefer
to buy through the net, as they are not sure of the product offered?
(1) 75%
(2) 62%
(3) 84%
(4) 76%
(5) None of these
24. Which type of activities are performed by internet banking?

(1) Paying bills
(2) Transferring funds
(3) Paying mortgages
(4) Purchasing financial instruments and certificates of deposits
(5) None of these
25. What estimate was made by confederation of Indian Industries regarding the size of
B2B business in India by the year 2011
(1) Between Rs. 250 billion to Rs. 500 billion
(4) Between $ 8.7 trillion to $ 21 trillion
(5) None of these
Directions (26-28): Choose the word which is most similar in meaning to the word printed in bold as used
in the passage.
26. Versatility
(1) multi-utility
(2) vesicle
(3) dullness
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(4) necessity
(5) meanness
27. Monoliths
(1) large blocks of stone
(2) large organizations
(3) monopoly
(4) dwarfs
(5) niche
28. TRANSACT
(1) do business
(2) tranquillize
(3) transcend
(4) exceed
(5) transfer
Directions (29 30): Choose the word which is most opposite in meaning to the word printed in bold as used
in the passage.
29. Substantia
(1) meagre
(2) considerable
(3) large
(4) submissive
(5) sufficient
30. Minuscule
(1) small
(2) minimum
(3) minute
(6) large
(7) maximum
Directions (31-40): In the following passage there are blanks each of which has been numbered. These
numbers are printed below the passage and against each five words are suggested one of which fits the blank
appropriately. Find out the appropriate word in each case.
Trust is (31) relationship concept that needs clarification because researchers (32) disciplines have
defined it in so many different ways. A typology of trust types would make it easier to (33) and
communicate results and would be especially valuable if the types of trust related to one another. The
typology should be interdisciplinary (34) many disciplines research e-commerce. This paper (35) a
parsimonious interdisciplinary typology and relates trust constructs to e-commerce consumer actions
defining both conceptual-level and operational-level trust constructs. Conceptual-level constructs
Page 84

consist (36) disposition to trust (primarily from psychology) institution-based trust (from sociology)
and trusting (37) and trusting intentions (primarily from social psychology). Each construct is (38)
into measurable sub constructs, and the typology shows how trust constructs relate (39) already
existing Internet relationship constructs. The effects of Web vendor interventions on consumer
behaviors are posited to be(40) mediated by consumer trusting beliefs and trusting intentions in the evendor.
31.
(1) vital (2) close
(3) important (4) low
(5) proximate
32.
(1) along
(2) around
(3) across
(4) above
(5) over and above
33.
(l) compose
(2) compare
(3) comparison
(4) comparing
(5) spare
(1) but
(2) that
(3) which
(4) because
(5) as if
35.
(1) justifies
(2) clarifies
(3) denies
(4) regards
(5) registers
36.
Page 85

(1) in
(2) of
(3) for
(4) with
(5) by
37.
(1) disbeliefs
(2) beliefs
(3) ways
(4) means
(5) measures
38.
(1) decomposed
(2) decomposing
(3) deposed
(4) divided
(5) distributed
39.
(1) with
(2) in
(3) by
(4) of
(5) to
40.
(1) partially
(2) legally
(3) generally
(4) illegally
(5) gradually
Page 86


Subject: Reasoning Ability
Directions (1-5): Each of the questions given below is based on the given diagram. The diagram shows
three circles each representing Doctors, Experienced Hospital Employee and Post Graduates.
1. Which of the following represents such people who are Experienced- Hospital
Employees but are not doctors?
(1) Only A
(2) Only C
(3) A and C
(4) F and C
(5) G and A
2. Which of the following represents such people who are Doctors and Post Graduates but
not Experienced- Hospital Employees?
(1) Only D
2) B and F
(3) Only E
(4) Only B
(5) B and E
3. Which of the following represents such Doctors who are also Experienced- Hospital
Employees?
(1) G and F
(2) D and G
(3) Only A
(4) Only G
(5) Band F
4. Which of the following represents Experienced-Hospital Employees who are Doctors but
are not Post Graduates?
Page 87

(1) Only F
(2) F and G
(3) B, F and G
(4) A and G
(5) Only G
5. Which of the following represents all such people who are Doctors?
(1) Only D
(2) B, D, F and G
(3) Only F
(4) B, D and G
(5) S, F and G
Directions (6-10): Study the following arrangement carefully and answer the questions given below:
QSRUIVPJLGNFMTOKEAH DBC
6. How many such vowels are there in the above arrangement each of which is immediately
preceded by a Consonant and also immediately followed by a Vowel?
(1) None
(2) Three
(3) Four
(4) One
(5) Two
7. How many such pairs of alphabets are there in the series of alphabets given in Bold in the
above arrangement each of which has as many letters between them (in both forward and
backward directions) as they have between them in the English alphabetical series?
(1) None
(2) One
(3) Two
(4) Three
(5) More than three
8. On the basis of above series of alphabets DECK is written as BABE and BARS is
written as CHSR, then how will JUMP be written?
(1) LIFJ
(2) PRTV
(3) LRFV
(4) PITJ
(5) None of these
9. On the basis of above series of alphabets if PJ is related to GI, EA is related to DO, then
NF is related toClick Here to Buy Printed Study Material for IBPS, SBI Bank Exams
Page 88

(1) JL
(2) OL
(3) TL
(4) TO
(5) None of these
10. Which of the following is the fourth to the left of the ninth from the left end of the
above arrangement?
(1) V
(2) I
(3) U
(4) M
(5) None of these
J, K. L, M, N, 0, P and Q are sitting around a circular table facing the centre but not necessarily in the
same order. 0 is immediate neighbour of both K and Q. Only one person sits between K and J. Land
Mare neighbours but are not immediate neighbours of
Q. Two persons sit between Mana P. P does not sit to the immediate right of K.
11. What is the position or P with respect to Q ?

12. Who amongst the following is sitting to the right of J?

(1) N
(2) M
(3) L
(4) P
(5) K
13. Who amongst the following sits exactly between K and J ?

(1) P
(2) O
(3) Q
(4) L
(5) None of these
14. Who amongst the following sits fourth to the left of M ?

Page 89

(1) N
(2) J
(3) P
(4) O
(5) None of these
15. Four of the following five are alike in a certain way and thus form a group. Which is
the one that does not belong to that group?
(1) JLL
(2) NQ
(3) ML
(4) OK
(5) PJ
Directions (16-18): Study the following information to answer the given questions.
In a six storeyed building the ground floor is numbered one, the floor above it is numbered two and so
on such that the topmost floor is numbered six. One out of six people viz, A, B, C, D, E and F lives on
each floor.
No one lives between C and F. There are two floors between the floors on which A and D live. A lives
on floor above the floor on which D lives. E lives on odd numbered floor. B does not live on a floor
immediately above or below Es floor.
16. Who lives on the ground floor?

(1) E
(2) B
(3) D
(4) A
17. Where does A live?

(1) Numbered 2
(2) Numbered 3
(3) Numbered 5
(4) Numbered 4
(5) None of these
18. Who lives immediately above Ds floor?

(1) A
(2) C
(3) F
(4) B
Page 90

Directions (19-23): In each question below are two statements followed by two conclusions numbered I
and II. You have to take the two given statements to be true even if they seem to be at variance from
known facts and then decide which of the given conclusions logically commonly follows from the given
statements disregarding commonly known facts.
Give answer (1) if only conclusion I follows.
Give answer (2) if only conclusion II follows.
Give answer (3) if either conclusion I or II follows.
Give answer (4) if neither conclusion I nor II follows.
Give answer (5) if both conclusions I and II follow.
19. Statements:
All buses are cars.
Some buses are trucks.
Conclusions:
I. Some buses are definitely not trucks.
II. At least some trucks are cars.
20. Statements:
No leaf is a root.
All plants are roots.
Conclusions:
I. No leaf is a plant.
II. Some plants are leaves.
21. Statements:
Some chapters are units.
Some units are topics.
Conclusions:
I. At least some topics are chapters.
II. Some topics are definitely not units.
22. Statements :
All spoons are bowls.
All dishes are bowls.
Conclusions:
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I. Some spoons are dishes.
II. All bowls are spoons.
23. Statements:
Some gates are doors.
No gate is window.
Conclusions:
I. No door is window.
II. Some doors are definitely not windows.
Directions (24-28): In these questions relationships between different elements is shown in the
statements. These statements are followed by two conclusions.
Mark answer (1) if only Conclusion I follows
Mark answer (2) if only Conclusion II follows
Mark answer (3) if either Conclusion I or II follows
Mark answer (4) if neither Conclusion I nor II follows
Mark answer (5) if both Conclusions I and II follow
24. Statement: A F T = E R
Conclusions:
I. A < F
II. R F
25. Statement: R I < G H >T

Conclusions:
I. T < I
II. H > I
26. Statement: T = A K > E = S

Conclusions:
I. K T
II. S < K
27. Statement: P < O = I N > T

Conclusions:
Page 92

I. P < N
II. O > T
28. Statement: D > E L > A Y

Conclusions:
I. Y D
II. A E
Among five friends P, Q, R, S and T each having different height. T is the second tallest. P is taller than
only S, R and T are taller than Q. P is taller than S but shorter than Q.
29. Who among the following is the tallest in the group?

(1) R or T
(2) T
(3) R
(4) Q
(5) None of these
30. Who among the following is taller than T?

(1) R
(2) Q
(3) P
(4) S
(5) None of these
Directions (31-35): Each of the following questions below consists or a question and two statements
numbered I and II given below it. You have to decide whether the data provided in the statements are
sufficient to answer the question. Read both the statements andGive answer (1) If the data in Statement I alone are sufficient to answer the question while the data in
/ statement II alone are not sufficient to answer the question.
Give answer (2) If the data in Statement II alone are sufficient to answer the question while the data
in statement I alone are not sufficient to answer the question.
Give answer (3) If the data in either Statement I alone or statement II alone are sufficient to answer
the question.
Give answer (4) If the data in both the Statements I and II together are not sufficient to answer the
question.
Give answer (5) If the data in both the Statements I and II are together necessary to answer the
question.
31. What is the total number of students in Course A in College X ?
Page 93

I. The respective ratio of girls and boys is 2 : 3.
II. The number of students has grown by 5 per cent this year as compared to 4 per cent last year from the
number 1000 which it was year before last.
32. What was the grand total of Falcon Team of College X?

I. Mayank correctly remembers that Falcon Team scored a grand total of above 82 but below 91.
II. Animesh correctly remembers that Falcon Team scored a grand total of above 77 and below 84.
33. Which direction is Ajay facing at the moment?

I. After walking 5 metres early morning from point P, Ajay is facing the opposite direction of the Sun.
II. Ajay took two consecutive right turns after covering a distance of 6 metres to reach the point P.
34. How is M related to H?

I. H is the daughter of P and sister of K.
II. S is the son of M and husband of P.
35. How is healthy coded in the language?

I. In that code language eat and drink healthy is written as se ta pa me and drink hot beverages is
written as ta nu fa.
II. In that code language eat hot meal daily is written as fa me la du and cold and hot is written as pa fa
ga.
36. How many such pairs of letters are there in the word FINANCIAL, each of which has as
many letters between them in the word as in the English alphabetical series (in both forward
and backward directions)?
(1) None
(2) One
(3) Two
(4) Three
(5) More than three
37. Cause: The Government has recently increased the taxes on retail items by about 10
per cent. Which of the following can be a possible effect of the above cause?
(1) The retailers will reduce the prices of retail items by about 10 per cent
(2) The retailers will dose their shops till the taxes are rolled back by the Government
(3) The retailers will increase the prices of retail items by about 20 per cent
(4) The retailers will most probably increase the prices of retail items by about 10 percent or less than 10
percent
(5) None of these
Page 94

38. Statement: Many students died in a collision of their bus and a truck near the school
premise because the driver of truck lost his balance owing to high speed of the truck.
Courses of Action:
(A) The Government should immediately cancel the licenses of all the trucks operating in the city.
(B) The Government should prohibit the movement of all the vehicles near the school premise.
(C) The Government should set up a high level task force to suggest measures to prevent such
incidents in the future.
A course of action is a step or administrative decision to be taken for improvement, follow-up or further
action in regard to the problem, policy etc. On the basis of the information given in the statement, decide
which of the suggested courses of action logically follow(s) for pursuing.
(1) Only A
(2) Only B
(3) Only C
(4) Only A and C
(5) None
The Government has decided to continue providing subsidy to consumers for cooking gas for three
more years. This is not good news from the point of view of reining in the fiscal deficit. Mounting
subvention for subsidies means diversion of savings by the government from investment to
consumption, raising the cost of capital in the process. The Government must cut expenditure on
subsidies to create more fiscal space for investments in both physical and social infrastructure. It should
outline a plan for comprehensive reform in major subsidies including petroleum, food and fertilizers
and set a final deadline.
39. Which of the following is a Conclusion which can be drawn from the facts stated in the
above paragraph?
(1) Government cannot withdraw subsidies provided to various items.
(2) Government subsidy on cooking gas is purely a political decision
(3) Government can compensate the expenditure incurred on subsidy by raising the various taxes
(4) Subsidy provided by the government under various heads to the citizens increases the cost of capital
(5) None of these
40. Which of the following is an assumption which is implicit in the facts stated in the
above paragraph?
(1) It is not possible to create more infrastructural abilities if the present level of subsidy continues even for
short duration
(2) The Government should sought assistance from international financial organizations for developing
infrastructural projects
(3) The people of India may not be able to pay more for cooking gas
(4) India is no longer a developing country and many people in the country are rich enough to buy petroleum
Page 95

products market cost
(5) None of these

Directions (1-5): Which of the phrases (1), (2), (3) and (4) given below should replace the phrase given
in bold in the following sentences to make the sentence grammatically correct? If the sentence is correct
as it is and there is no correction required mark (5) i.e. No correction required as the answer.
1. During the recession many companies will be forced to lay oil workers.
(1) have the force to
(2) be forced into
(3) forcibly have
(4) forcefully
2. He wanted nothing else expecting to sleep after a stressful day at work.

(1) nothing better than
(2) anything else unless
(3) nothing but having
(4) nothing else than
3. Ramesh took charge of the project, within a few days of having appointed?
(1) having an appointment
(2) being appointed
(3) after being appointed
(4) appointing
4. It is difficult to work with him because he is one of those persons who think he is always
right.
(1) think they are always
(2) always thinks he is
(3) is always thinking they are
(4) always think his
5. Foreign businesses in developing countries have usually problems with lack of

infrastructure and rigid laws.
(1) usual problems as
(2) usually problems on
Page 96

(3) as usual problems like
(4) the usual problems of
Directions (46-50): Pick out the most effective word from the given words to fill in the blank in each
sentence to make the sentence meaningfully complete.
6. They work hard not because of the __ , but because of their inner urge.
(1) desire
(2) drive
(3) energy
(4) incentive
(5) motivation
7. His __ background has made him so docile.

(1) famous
(2) lucrative
(3) rich
(4) advanced
(5) humble
8. It is __ for everyone to abide by the laws of the land.

(1) expected
(2) obligatory
(3) meant
(4) optional
(5) recommended
9. he is a hard worker, his quality of work is not of a desirable level.

(1) Despite
(2) Because
(3) Although
(4) Somehow
(5) However
10. In spite of repeated instructions, he __ the some mistakes.

(1) commits
(2) detects
(3) corrects
(4) imitates
(5) exhibits
Page 97

Directions (11-20): Read the following passage carefully and answer the questions given below it.
Certain words have been printed in bold to help you locate them while answering some of the question.
Political ploys initially hailed as master-strokes often end up as flops. The Rs. 60,000 crore farm loan
waiver announced in the budget writes off 100% of overdues of small and marginal farmers holding
upto two hectares, and 25% of overdues of larger farmers. While India has enjoyed 8%-9% GDP
growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides
have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme,
public distribution system) have made little impact, thanks. to huge leakages from the governments
lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide
relief.
However the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Half of
the small and marginal farmers get no loans from banks and depend entirely on money-lenders, and
will not benefit. Besides, rural India is full of the family holdings rather than individual holdings and
family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will,
therefore, be denied the 100% waiver. It will thus fail in both economic and political objectives. IRDP
loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting
to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it.
After the last farm loan waiver will Similarly slow down fresh loans to deserving farmers. While
overdues to cooperatives may be higher, economist Surjit Shalla says less than 5% of farmer loans to
banks are overdue i.e. overdues exist for only 2.25 million out of 90 million farmers. If so, then the 95%
who have repaid loans will not benefit. They will be angry at being penalised for honesty.
The budget thus grossly overestimates the number of beneficiaries, It also underestimates the negative
effects of the waiver-encouraging willful default in the future and discouraging fresh bank lending for
some years. nstead of trying to reach the needy, through a plethora of leaky schemes we should transfer
cash directly to the needy using new technology like biometric smart cards, which are now being used
in many countries, and mobile phones bank accounts. Then benefits can go directly to phone accounts
operable only by those with biometric cards, ending the massive leakages of current schemes.
The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm
families benefit, and many of these have to pay bribes to get the actual benefit, will the waiver really be
a massive vote- winner? Members of joint families will feel aggrieved that, despite having less than one
hectare per head, their family holding is too large. Lo qualify for the 100% waiver. Alliance ministers,
of central or state governments, give away freebies in their last budgets, hoping to win electoral regards,
Yet, four-fifth of all incumbent governments are voted out. This shows that beneficiaries of favours are
not notably grateful, while those not so favoured may feel aggrieved, and vote for the opposition. That
seems to be why election budgets constantly fail to win elections in India and the loan waiver will not
change that pattern.
11. Why do economists feel that loan waivers will benefit farmers in distress?
(1) It will improve the standard of living of those farmers who can afford to repay their loans but are
exempted,
(2) Other government relief measures have proved ineffective.
(3) Suicide rates of farmers have declined after the announcement of the waiver.
(4) Farmers will be motivated to increase the size of their family holdings not individual holdings.
(5) The government will be forced to reexamine and Improve the public distribution system.
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12. What message will the loan waiver send to farmers who have repaid loans?
(1) The Government will readily provide them with loans in the future.
(2) As opposed to money lenders banks are a safer and more reliable source of credit.
(3) Honesty is the best policy.
(4) It is beneficial to take loans from co-operatives since their rates of interest are lower.
(5) They will be angry at being penalised for honesty
13. What is the authors suggestion to provide aid to farmers?

(1) Families should split their joint holding to take advantage of the loan waiver.
(2) The government should increase the reach of the employment guarantee scheme.
(3) Loans should be disbursed directly into bank accounts of the farmers using the latest technology.
(4) Government should ensure that loans waivers can be implemented over the number of years.
(5) Rural infrastructure can be improved using schemes which were successful abroad.
14. What was the outcome of IRDP loans to the rural poor?
(1) The percentage of bank loan sanctioned to family owned farms increased.
(2) The loans benefited dishonest money-lenders not landless labourers.
(3) Corrupt bank officials were the unintended beneficiaries of the loans.
(4) It resulted in the Government sanctioning thrice the amount for the current loan waiver.
(5) None of these.
15. What are the terms of the loan waiver?

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

(1) It will have an adverse psychological impact on those who cannot avail of the waiver.
(2) It is a justified measure in view of the high suicide rate among landless labourers.
(3) It makes sound economic and political sense in the existing scenario.
(4) It will ensure that the benefits of Indias high GDP are felt by the rural poor.
(5) None of these
17. Which of the following cannot be said about loan waiver?
Page 99

(A) Small and marginal farmers will benefit the most.
(B) The loan waiver penalizes deserving farmers.
(C) A large percentage i.e.. ninety- five per cent of distressed farmers will benefit.
(1) Only(C)
(2) Both (A) and (C)
(3) Only (A)
(4) Both (B) and (C)
(5) None of these
18. Which of the following will definitely be an impact of Joan waivers?

(A) Family holdings will be split into individual holdings not exceeding one hectare.
(B) The public distribution system will be revamped.
(C) Opposition will definitely win the election.
(1) None
(2) Only (A)
(3) Both (A) and (B)
(4) Only (C)
(5) All (A), (B) and ( C)
29. What impact will the loan waiver have on banks?

(1) Banks have to bear the entire brunt of the write off.
(2) Loss of trust in banks by big farmers.
(3) Corruption among bank staff will increase.
(4) Farmers will make it a habit to default on loans
(5) None of these
20. According to the author what is the governments motive in sanctioning the loan
waiver?
(1) To encourage farmers to opt for bank loans from money- lenders.
(2) To raise 90 million farmers out of indebtedness.
(3) To provide relief to those marginal farmers who have the means to but have not repaid their loans
(4) To ensure they will be re-elected
(5) None of these
Directions (21-23): Choose the word which is most nearly the SAME in meaning to the word printed
in bold as used in the passage.
21. Incumbent
(1) mandatory
(2) present
(3) incapable
Page 100

(4) lazy
(5) officious
22. ploys
(1) surveys
(2) entreaties
(3) ruses
(4) lazy
(5) assurances
23. aggrieved
(1) vindicated
(2) intimidated
(3) offensive
(4) wronged
(5) disputed
Directions (24-25): Choose the word which is most OPPOSITE in meaning to the word printed in bold
as used in the passage.
24. plethora
(1) dearth
(2) missing
(3) superfluous
(4) sufficient
(5) least
25. merited
(1) ranked
(2) unqualified for
(3) lacked
(4) inept at
(5) unworthy of
Directions (26-30): Read each sentence to find out whether there is any grammatical error in it.
The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is no
error, the answer is (5). (Ignore errors of punctuation, if any)
26. It is more better(l)/ if one of the parents(2)/ stays at home(3)/ to look after the
children(4)/ No error(5)
27. With a fresh coat(l)/ of paint(2)/ the school can(3)/ look much nice(4)/ No error(5)
Page 101

28. I asked the salesman(1) / If I could exchange(2)/ the faulty camera(3)/ with another
one(4)/ No error(5)
29. I took me(l)/ almost a hour(2)/ to fill the(3)/ application form(4)/ No error(5).
30. She insists (1)/ you stay(2)/ until her husband (3)/ comes home(4)/ No error (5)
Directions (31-40): In the following passage, there are blanks, each of which has been numbered.
These numbers are printed below the passage and against each, five words are suggested one of which fits
the blank appropriately. Find out the appropriate word in each case.
Mankind has seen rapid (31) in the last 150 years because of the mass manufacturing techniques (32) in
western nations and later taken to new levels of efficiency by Japan. Mass production and production
for the masses became the bases of new business strategies. Large scale consumption by all with the
social benefit of (33) poverty became the dominant economic strategy. The advent of electricity and its
large-scale application to lighting, heating and operating machines added a fresh dimension to
manufacturing. By the 1950s came (34) in electronics and transistor devices to be followed by
innovations in microelectronics, computers and various forms of sensors all of which (35) altered the
manufacturing scene. It is now no longer necessary to make prototypes in a factory or a laboratory to
study a new product. Many new products can be (36) on computers and their behaviour simulated on
them. By choosing an optimum design through such simulations, computer programmes can directly
(37) the manufacturing processes. These processes are generally called Computer Aided Design (CAD)
and Computer Assisted Manufacturing (CAM). These capabilities are leading to newer forms of (38)
by customers. Each customer can be offered several special options. Customised product design or (39)
manufacturing are other popular techniques currently in (40) in many developed countries.
31.
(1) havoc
(2) transformation
(3) destruction
(4) violence
(5) deforestation
32.
(1) discarded
(2) resorted
(3) indulged
(4) perfected
(5) designated
33.
(1) removing
(2) nurturing
(3) appeasing
Page 102

(4) cajoling
(5) mastering
34.
(1) additions
(2) gadgets
(3) modifications
(4) variety
(5) invention
35.
(1) immediately
(2) precisely
(3) irreversibly
(4) indefinitely
(5) measurably
36.
(1) designed
(2) produced
(3) manufactured
(4) sold
(5) purchased
37.
(1) inspire
(2) cultivate
(3) visualise
(4) drive
(5) curtail
38.
(1) uses
(2) demands
(3) advertisements
(4) consumption
(5) goods
39.
(1) visible
(2) secure
Page 103

(3) fundamental
(4) overt
(5) flexible
40.
(1) view
(3) vogue
(5) order
(2) wings
(4) isolation
Page 104
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Subject: General Awareness

1. Which of the following is not correct regarding the JICA President Award?
(1) It is given to an individual
(2) It is given to an organization
(3) It is given for making contributions in the field of development
(4) The J in JICA denotes Jordan
(5) Delhi Metro is the recipient of the 2012 Award
2. Who among the following was never the Governor of Reserve Bank of India?
(1) Osborne Smith
(2) James Braid Taylor
(3) Montek Singh Ahluwalia
(4) C.D. Deshmukh
(5) D. Subbarao
3. Which one of the following is correct regarding the Note Issuing Authority of the
Reserve Bank of India?
(1) Apart from the government it has the authority / monopoly to issue currency notes other than one rupee
notes/ coins
(2) One rupee notes/coins and coins of smaller denominations are put into circulation by the Central
government
(3) At present the RBI issues notes in seven denominations
(4) The functions of note issue and currency management is discharged by the RBI through its head office in
Mumbai
(5) None of these
4. Which of the following Is not correct regarding the National Integration Day?
(1) It aims to bring unity, peace, and spreading of love and brotherhood among fellow Indians
(2) It is also celebrated as Quami Ekata Divas
(3) It is celebrated in remembrance of Indira Gandhi
(4) It is celebrated on October 31
(5) National Integration Day celebration ends with Childrens Day
5. In banking, a Pay in Slip(1) Means a slip through which a person can deposit money in his account
(2) Means a slip through which a person can issue cheque from his account
(3) Is also called a withdrawal slip
(4) Must essentially contain IFSC Code
(5) None of these
Page 105

6. The Reserve Bank of India reduced which of the following rates by 25 basis points in
October 2012?
(1) Repo rate
(2) Cash Reserve Ratio
(3) Statutory Liquidity Ratio and Repo Rate
(4) Repo Rate and Cash Reserve Ratio
(5) None of these
7. Who among the following has authored the book, titled Saga of Struggle and
Sacrifice?
(1) Manmohan Singh
(2) A.P.J. Abdul Kalam
(3) Hamid Ansari
(4) Pranab Mukherjee
(5) Amartya Sen
8. Prime Minister Manmohan Singh effected a reshuffle of his council of ministers in

October 2012. Which of the following pairs is not correct with regard to the new Union
Cabinet Ministers?
(1) Manmohan Singh: Planning
(2) Salman Khurshid: External Affairs
(3) Kapil Sibal: Communications
(4) Anand Sharma: Information Technology
(5) Ajay Maken: Housing
9. A unique function of the bank is to create credit. Which of the following factors do not
determine the credit creation power of banks?
(1) Amount of Cash Reserve in the Country
(2) Cash Reserve Ratio
(3) Special Drawing Rights
(4) Monetary Policy of the Central Bank
(5) Willingness of Customers to Borrow
10. For which of the following debt instruments, not having a fixed rate of interest over the
life of the instrument, can Floating Interest Rate be applied?
(1) Aloan
(2) A bond
(3) A mortgage
(4) A credit
(5) All of these
11. Which of the following is not correct regarding SMS Banking?

Page 106

(1) It is operated through Pull messages
(2) One-Time password (OTP) is a type of pull message
(3) Most SMS banking solutions are add-on products
(4) The lack of encryption on SMS messages is an area of concern
(5) None of these
12. In banking, Mobile Banking refers to the performance of which of the following
services through a mobile device?
(1) Balance checks
(2) Account transactions
(3) Payments
(4) Credit applications
(5) All of these
13. Which among the following subsidiaries of the State Bank of India, which were
nationalized in 1960, has now been merged with SBI?
(1) State Bank of Bikaner and Jaipur
(2) State Bank of Hyderabad
(3) State Bank of Patiala
(4) State Bank of Saurashtra
(5) State Bank of Travancore
14. The Goods and Services Tax (GST) is to be implemented in India. Which of the
following taxes will not be replaced by It?
(1) Excise duty
(2) Service tax on the Centres front
(3) Value Added Tax (VAT) at states end
(4) Cesses, surcharges and local levies
(5) Wealth Tax
15. Service Tax act/Rules in India has provided exemption to small scale service providers
from service tax up to aggregate value of taxable services provided up to how much in a
Financial Year?
(1) Rs. 1 lakh
(2) Rs. 2.5 lakhs
(3) Rs. 5 lakhs
(4) Rs. 10lakhs
(5) None of these
16. Which of the following does not aptly describe Demat Account in India?
(1) It refers to a dematerialized account for individual Indian citizens to trade In listed stocks or debentures
in paper form
(2) It is required for investors by the Securities and Exchange Board of India (SEBI)
Page 107

(3) In a Demat account, shares and securities are held electronically
(4) This account is opened by the Investor while registering with an investment broker (or sub-broker)
(5) Access to the Demat account requires an internet password and a transaction password
17. The Securities and Exchange Board of India (SEBI) has introduced a new type of
Demat Account called Basic Services De-mat Account (BSDA). Which of the following is
one of its features?
(1) Individuals are eligible to have multiple BSDA account across all depositories
(2) Investors will receive transaction statement on annual base
(3) Investors can avail at least two delivery instruction slip during account opening
(4) Investors can avail SMS alert facility for credit transactions
(5) If investors account have zero balance and no transactions during the year then will receive no annual
statement
18. Which of the following is not one of the major charges usually levied on a Demat
account?
(1) Account opening fee
(2) Annual maintenance fee
(3) Annual fee for spot conversions of one currency into another
(4) Custodian fee
(5) Transaction fee
19. Who among the following has authored the famous novel titled Joseph Anton?
(1) Jeet Thayil
(2) Salman Rushdie
(3) Shobha De
(4) V.S. Nalpaul
(5) Chetan Bhagat
20. Which of the following are the essential facilities/benefits provided by a Demat account
to an individual to trade the securities in the stock market?
(1) It reduces brokerage charges
(2) It makes pledging/hypothecation of shares easier
(3) It enables quick ownership of securities on settlement reo sulting in increased liquidity
(4) It avoids confusion in the ownership title of securities
(5) All of these
21. Which one of the following can be described as a secondary function of commercial
banks in India?
(1) Overdraft facilities
(2) Discounting Bills of Exchange
(3) Money at Call
Page 108

(4) Purchase and Sale of Securities
(5) Remittance of Funds
22. The balance sheet of a bank comprises of two sides; the assets side and the liabilities
side. Which one of the following items comes under the side of Assets?
(1) Subscribed capital
(2) Acceptance and endorsements
(3) Money at call and short notice
(4) Bills for collection
(5) Paid-up Capital
23. In the reshuffle of Union Council of Ministers, undertaken by Prime Manmohan Singh
in October 2012, who among the following is a Cabinet Minister (excluding Ministers of
State and Ministers of Stare with Independent Charge)?
(1) Pawan Kumar Bansal
(2) Shashi Tharoor
(3) Jyotiraditya Madhavrao Scindia
(4) Sachin Pilot
(5) Chiranjeevi
24. The first ever India Biodiversity Awards were presented in October 2012. In which of
the following categories were these awards not given?
(1) Community Stewardship
(2) Decentralized Governance
(3) Environmental sensitization
(4) Co-management
(5) Protected Area
25. Which of the following Central Armed Police Forces of India has recently celebrated
its golden jubilee?
(1) Sash astra Seema Bal (SSB)
(2) Border Security Force (BSF)
(3) Central Reserve Police Force (CRPF)
(4) Indo-Tibetan Border Police (ITBP)
(5) Central Industrial Security Force (CISF)
26. Which of the following is not correct regarding cheque in banking?

(1) It is a type of bill of exchange
(2) It is a non-negotiable instrument
(3) There are four main items on a cheque
(4) Parties to regular cheques generally include a drawer and a payee
(5) Cheques have been in decline for some years both for point of sale transactions and for third party
payments
Page 109

27. Which of the following does not aptly describe a Demand Draft in India?
(1) It is a type of cheque
(2) It is an Account payee instrument
(3) In case of Demand drafts, the drawer is a bank
(4) The principle of Cheque Clearing does not apply to it
(5) None of these
28. India has taken a pledge towards strengthening the institutional mechanism for
biodiversity conservation in the country with a sum of $ 10 million announced by Prime
Minister Manmohan Singh in this regard. The name of this pledge is
(1) Rio Pledge
(2) Doha Pledge
(3) Hyderabad Pledge
(4) Delhi Pledge
(5) Kyoto Pledge
29. Which of the following is not a technique/tool/Instrument of money/credit control by

the Reserve Bank of India?
(1) Open Market Operations
(2) Bank Rate
(3) Liquidity Adjustment Facility
(4) Refinance
(5) Monopoly to issue currency notes
30. Which of the following is a type of indirect security?

(1) Mutual Funds
(2) Ordinary Shares
(3) Debentures
(4) Preference shares
(5) Innovative Debt Instruments
31. Europe recently produced the greatest comeback in Ryder Cup to retain the trophy.
With which sports is the Ryder Cup associated?
(1) Golf
(2) Tennis
(3) Baseball
(4) Basketball
(5) Ice Hockey
32. The Cheque was first introduced in India by which of the following banks?
(1) Bank of Hindustan
(2) State Bank of India
Page 110

(3) Bank of India
(4) Punjab National Bank
(5) None of these
33. United Nations secretary general Ban Ki-Moon has announced that every year 10
November will be celebrated as
(1) Malala Day
(2) Earth Day
(3) Development Day
(4) Wilmut Day
(5) Jobs Day
34. Which of the following is a quantitative credit control policy of the Reserve Bank of
India?
(1) Margin requirements
(2) Moral suasion
(3) Bank rate
(4) RBI guidelines
(5) Direct action
35. What is the term for inflation when the general price level increases at the rate of about
5-6 per cent per annum?
(1) Creeping inflation
(2) Walking inflation
(3) Running inflation
(4) Hyper inflation
(5) Galloping inflation
36. Which of the following cannot be termed as non-traditional functions of a commercial

bank in India?
(1) ATM facility
(2) Issuing credit cards
(3) Venture capital financing
(4) Creating deposits
(5) None of these
37. Who among the following is a Deputy Governor of the Reserve Bank of India?
(1) Abhijit Sen
(2) Mihir Shah
(3) K Kasturirangan
(4) H.R. Khan
(5) Arun Mall-a
Page 111

38. Which Union Budget first announced the introduction of the Goods and Services Tax
(GST) from April 1, 2010?
(1) Budget 2002-03
(2) Budget 2005-07
(3) Budget 2007 -08
(4) Budget 2009- 10
(5) None of these
39. The National Capital Region (NCR) in India is a name for the conurbation or
metropolitan area which encompasses the entire Delhi as well as urban areas around it in
neighbouring states. Which of the following is not that neighbouring state?
(1) Punjab
(2) Rajasthan
(3) Uttarakhand
(4) Uttar Pradesh
(5) None of these
40. Which one of the following banks was nationalized in the second wave of
nationalization in 1980?
(1) Central Bank of India
(2) Bank of India
(3) Syndicate Bank
(4) Corporation Bank
(5) Bank of Maharashtra
Page 112


1. In an urn there are 4 red balls and 3 blue balls. If two balls are drawn at random, find
the probability that none is red.
2. On annual day of a school some chocolates were to be distributed equally among 420
children. But on that particular day, due to some reason 140 more children of another
school joined them: hence each child got 1 chocolate less. How many chocolates were
originally supposed to be distributed among the children?
(1) 1640
(2) 1680
(3) 1690
(4) 1600
(5) None of these
3. Raj Kumar got the result of his 8th class. Each subject consists of a maximum of 140
marks. If he scores 98 marks in science; 129 marks in Sanskrit; 131 marks in Maths, 110
marks in English and 120 marks in Hindi, what was his percentage of marks in all the five
subject?
(1) 84%
(2) 82%
(3) 77%
(4) 79%
(5) None of these
4. If Suresh sells an article at a price of Rs. 9300, he incurs a loss of Rs. 3100. At what price
should he sell the article so that he gets a profit of 25%?
(1) Rs. 7250
(2) Rs. 7350
(3) Rs. 7650
(4) Rs. 7750
(5) None of these
5. There is a circular ground whose area is 246400 sq. metre. If a person runs at the speed
of 14.08 m/sec, then how much time will he take to complete the circle?
Page 113

(1) 125 sec.
(2) 130 sec.
(3) 100 sec.
(4) 120 sec.
(5) None of these
Directions (6-10): What should come in place of the question mark (?) in the following number series?
6. 2 4 16 96 768 ? 92160
(1) 7680
(2) 7580
(3) 7608
(4) 7090
(5) 7860
7. 14 36 ? 300 897 2676 8022

(1) 101
(2) 102
(3) 103
(4) 104
(5) None of these
8. 5 8 13 20 ? 44 61
(1) 29
(2) 30
(3) 31
(4) 32
(5) 37
9. 11 16 31 56 91 136 ?
(1) 171
(2) 181
(3) 185
(4) 191
(5) 197
10. 3 4 12 45 196 ?
(1) 985
(2) 990
(3) 995
(4) 1000
(5) 1005
Page 114

11. The simple interest accrued in 2 years on a principal of Rs. 24000 is one-eighth of the
principal. What is the rate of simple interest p.c.p.a. ?
(1) 5
(2) 4.5
(3) 6.25
(4) 7.25
(5) None of these
12. If a person runs 14.35 km in five weeks, then what distance does he travel everyday?
(1) 400 m
(2) 410 m
(3) 405 m
(4) 415 m
(5) None of these
13. If a train 280 metre long runs at the speed of 7.4 m/ second how much time will it take
to cross a platform 460 metre long?
(1) 95 sec.
(2) 96 sec.
(3) 98 sec.
(4) 99 sec.
(5) 100 sec.
14. If a trader sells his stock of oranges at Rs. 18270, he gains 45 per cent. What is the cost
price of total stock of oranges?
(1) Rs. 12600
(2) Rs. 13600
(3) Rs. 12650.
(4) Rs. 13650
(5) None of these
15. If the numerator of a fraction is increased by 20% and its denominator by 25%. then
the fraction so obtained is . What is the original fraction ?
Directions (16-24): What will come in place of the question mark (?) in the following questions?
Page 115

16.
17. 97. 4 566 5 + 24.2 - 36 = (?)2

(1) 20
(2) 21
(3) 22
(4) 23
(5) 25
18. 5252 + 2525 = ? 25

(1) 310.8
(2) 311.8
(3) 311.08
(4) 312.8
(5) 312.08
19. 8 ? = 4888 4
(1) 150.75
(2) 125.75
(3) 125.05
(4) l52.75
(5) None of these
20. 39254 + 5217 - 2286 =? 50

(1) 813.7
(2) 843.7
(3) 834.7
(4) 943.77
(5) None of these
21. (62.5 14 5) 25 + 41 = (?)3

(1) 4
(2) 5
Page 116

(3) 9
(4) 8
(5) 6
22. (23 23 23 23 23 23)5 (23 23)2 (23)2 = (23)?

(1) 32
(2) 30
(3) 9
(4) 7
(5) 11
23. 27% of 510 = 266.3

(1) 182.6
(2) 122.6
(3) 123.6
(4) 128.6
(5) None of these
24.
25. 5/8 of 4/9 of 3/5 of 222 = ?

(1) 42
(2) 43
(3) 39
(4) 37
(5) None of these
26. A car covers a distance from town A to town B at the speed of 58 kmph and covers the
distance from town B to town A at the speed of 52 kmph What is the approximate average
speed of the car?
(1) 55 kmph
(2) 52 kmph
(3) 48 kmph
(4) 50kmph
(5) 60kmph
Page 117

27. Mr. Phanse invests an amount of Rs. 24,200 at the rate of 4 p.c.p.a. for 6 years to obtain
a simple interest. Later he invests the principal amount as well as the amount obtained as
simple interest for another 4 years at the same rate of interest. What amount of simple
interest will he obtain at the end of the last 4 years?
(1) Rs. 4,800
(2) Rs. 4,850.32
(3) Rs. 4,801.28
(4) Rs. 4,700
(5) None of these
28. In a sale perfumes are available at a discount of 25% on the selling price. If a perfume
costs Rs. 5.895 in the sale what is the selling price of the perfume?
(1) Rs. 6.020
(2) Rs. 7.860
(3) Rs. 7,680
(5) None of these
29. What approximate value should come in place of the question mark (?) in the following
question?
(1) 294
(2) 276
(3) 265
(4) 300
(5) 288
30. The cost of 15 digital cameras and 21 handy cameras is Rs. 3.54.900. What is the cost of
5 digital cameras and 7 handy cameras?
(1) Rs. 1.25.500
(2) Rs. 1.18.300
(3) Rs. 2.15.100
(5) None of these
31. A canteen requires 56 kgs. of rice for seven days. How many kgs. of rice will It require
for the months of April and May together?
(1) 496
(2) 480
(3) 498
Page 118

(4) 488
(5) None of these
32. How much part of a day is 45 minutes?
33. The total number of students in a school is 31700. If the ratio 01 boys to the girls in the
school is 743:842 respectively, what is the total number of girls in the school?
(1) 14860
(2) 16480
(3) 15340
(5) None of these
34. The sum of five consecutive even numbers A, B, C, D and E is 130. What is the product
of A and E?
(1) 720
(2) 616
(3) 660
(4) 672
(5) None of these
35. If the square of a number is subtracted from 4052 and the difference is multiplied by
15, the answer so obtained is 41340. What is the number?
(1) 36
(2) 1024
(3) 32
(4) 1296
(5) None of these
36. 20% of the total cost of a plot with an area of 395 sq.ft. is Rs. 78,210. What is the rate
of per sq. ft. of the plot?
(1) Rs. 1,020/(2) Rs. 999/(3) Rs. 1,000/Click Here to Buy Printed Study Material for IBPS, SBI Bank Exams
Page 119

(4) Rs. 995/(5) None of these
37. The owner of a furniture shop charges his customers 15% more than the cost price. If a
customer paid Rs. 9,039/- for a sofa set, then what is the cost price of the sofa set?
(1) Rs. 7,680/(2) Rs.7.860/(3) Rs. 7.880/(4) Rs. 7,660/(5) None of these
38. Each child from a certain school can make 5 items of handicraft in a day. If 1125
handicraft items are to be displayed in an exhibition then in how many days can 25
children make these items?
(1) 6 days
(2) 9 days
(3) 8 days
(4) 7 days
(5) None of these
39. The product of two successive positive integers is 462. Which is the smaller integer?
(1) 20
(2) 22
(3) 21
(4) 23
(5) None of these
40. While withdrawing an amount of Rs. 49.350/- a customer by mistake collects Rs.
48.150/-. The remaining amount is deposited back to his account by the bank, which shows
the balance of Rs. 25.376/-. What will be the customers balance after depositing the
remaining amount?
(1) Rs. 26,576/(2) Rs. 26,676/(3) Rs. 26,586/(4) Rs. 26,686/(5) None of these
Page 120


1. The system unit
(1) coordinates input and output devices
(2) is the container that houses electronic components
(3) is a combination of hardware and software
(4) controls and manipulates data
(5) does the arithmetic operations
2. In Word you can force a page break

(1) By positioning your cursor at the appropriate place and pressing the F1 key
(2) By positioning your cursor at the appropriate place and pressing Ctrl + Enter
(3) By using the Insert/Section Break
(4) By changing the font size of your document
(5) None of these
3. The basic unit of a worksheet into which your enter data in Excel is called a _____
(1) tab
(2) cell
(3) box
(4) range
(5) None of these
4. To reload a Web page, press the _____ button.

(1) Redo
(2) Reload
(3) Restore
(4) Ctrl
(5) Refresh
5. Which of the following is a programming language for creating special programs like
applets?
(1) Java
(2) Cable
(3) Domain name
(4) Net
(5) COBOL
6. Which part of the computer is directly involved in executing the instructions of the
computer program?
Page 121

(1) The scanner
(2) The main storage
(3) The secondary storage
(4) The printer
(5) The Processor
7. In order to create column data in Word you need to

(1) Tab consecutively until your cursor reaches the desired place
(2) Set tabs or user the Table menu
(3) You need to use Excel
(4) Press the space bar until your cursor reaches the desired place
(5) None of these
8. When the computer is switched on. the booting process performs the
(1) integrity Test
(2) Power-On Self-Test
(3) Correct Functioning Test
(4) Reliability Test
(5) Shut-down
9. Press the __ key to move the insertion point to the first cell in a row in Excel.
(1) Page Up
(2) Page Down
(3) Home
(4) Tab
(5) None of these
10. How many margins are on a page?

(1) Two (header and footer)
(2) Four (top, bottom. right, left)
(3) Two (landscape and portrait)
(4) Two (top and bottom)
(5) None of these
11. Language used in a computer that is similar to the languages of humans and is easy to
understand is referred to as
(1) Source Code
(2) Machine Language
(3) High Level Language
(4) Object Code
(5) Assembly Language
Page 122

12. Which of the following should be used to move a paragraph from one place to another
in a Word document?
(1) Copy and Paste
(2) Cut and Paste
(3) Delete and Retype
(4) Find and Replace
(5) None of these
13. Excel documents are stored as files called ________

(1) workforce
(2) worksheets
(3) worktables
(4) workgroups
(5) workbooks
14. A computer programmer

(1) does all the thinking for a computer
(2) can enter input data quickly
(3) can operate all types of computer equipments
(4) can draw only flowchart
(5) is not a useful person
15. A cookie ______

(1) stores information about the users web activity
(2) stores software developed by the user
(3) stores the password of the user
(4) stores the commands used by the user
(5) None of these
16. Which of the following is not true about an assembler?

(1) Trartslates Instructions of assembly language into machine language
(2) It does not translate a C program
(3) It is involved in programs execution
(4) Is a translating program
(5) It does not translate a BASIC program
17. A web site is a collection of ______

(1) graphics
(2) programs
(3) algorithms
(4) web pages
(5) charts
Page 123

18. Which contents are lost when the computer turns off?
(1) storage
(2) input
(3) output
(4) memory
(5) None of these
19. Which of the following is hardware and not software?

(1) Excel
(2) Printer driver
(4) Power Point
(5) CPU
20. To be able to boot, the computer must have a(n)

(1) Compiler
(2) Loader
(4) Assembler
(5) None of these
21. In Excel this is a prerecorded formula that provides a shortcut for complex
calculations (1) Value
(2) Data Series
(3) Function
(4) Field
(5) None of these
22. In word, replace option is available on(1) File Menu

(2) View Menu
(3) Edit Menu
(4) Format Menu
(5) None of these
23. A word gets selected by clicking it to select a word in Word

(1) once
(2) twice
(3) three times
(4) four times
(5) None of these
Page 124

24. The process of trading goods over the Internet is known as
(1) e-selling-n-buying
(2) e- trading
(3) e-finance
(4) e-salesmanship
(5) e-commerce
25. In word, when you indent a paragraph, you(1) push the text in with respect to the margin
(2) change the margins on the page
(3) move the text up by one line
(4) move the text down by one line
(5) None of these
26. The operation of combining two cells into a single cell in Excel is referred to as
(1) Join Cells
(2) Merge Cells
(3) Merge Table
(4) Join Table
(5) None of these
27. What do you see when you click the right mouse button?
(1) The same effect as the left click
(2) A special menu
(3) No effect
(4) A mouse cannot be right clicked
(5) Computer goes to sleep mode
28. In order to delete a sentence from a document you would use __

(1) highlight and copy
(2) cut and paste
(3) copy and paste
(4) highlight and delete
(5) select and paste
29. When machine instructions are being executed by a computer the instruction phase
followed by the execution phase is referred to as __
(1) program cycle
(2) machine instruction
(3) execution cycle
(4) task cycle
(5) machine cycle
Page 125

30. Which of the following refers to the process of a computer receiving information from
a server on the Internet?
(1) gathering
(2) uploading
(3) inputting
(4) outputting
(5) downloading
31. Which of the following is not a storage medium?

(1) hard disk
(2) flash drive
(3) DVD
(4) CD
(5) monitor
32. _______ is the part of the computer that does the arithmetical calculations.
(1) OS
(2) ALU
(3) CPU
(4) Memory
(5) Printer
33. User can use ______ commands to search for and correct words in a document.
(1) Print and Print Preview
(2) Header and Footer
(3) Find and Replace
(4) Spelling and Grammar
(5) Copy and Paste
34. Which of the following will be used if a sender of e-mail wants to bold, italics etc. the
text message?
(1) Reach Signature
(2) Reach Text
(3) Reach Format
(4) Plain Format
(5) Plain Text
35. Which of the following justification align the text on both the sides-left and right -of
margin?
(1) Right
(2) Justify
(3) both Sides
Page 126

(4) Balanced
(5) None of these
36. Which of the following characteristics is used to compute dynamically the results from
Excel data?
(1) Goto
(2) Table
(3) Chart
(4) Diagram
(5) Formula and Function
37. What is included in an e-mail address?

(1) Domain Name followed by Users Name
(2) Users Name followed by Domain Name
(3) Users Name followed by Postal address
(4) Users Name followed by street address
(5) None of these
38. The other name of motherboard is

(1) Mouse
(2) Computer Board
(3) System Device
(4) Central Board
(5) System Board
39. In Power Point the Header & Footer button can be found on the Insert tab in what
group?
(1) Illustrations group
(2) Object group
(3) Text group
(4) Tables group
(5) None of these
40. What does CO stands in COBOL

(1) Common Object
(2) Common
(3) Common Operating
(4) Computer Oriented
(5) None of these
Page 127
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60. . . . . . . . .. can interpret voice data into words

56. What is extension of Microsoft Word

63. What does ALU in computing denote?

57. Which of the following enables to determine

64. Integrated Circuit (IC) chips used in

58. To move to the bottom of a document while

65. What does the computer abbreviation MB

59. What is a person called who uses a computer

66. What is the full form of HTTP?

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128. Banks borrow money from the RBI at which

133. As per the recent press reports, RBI has

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