Questions Extracted from www.BankingCareers.

in & associated materials

www.BankingCareers.in Jobs Help Free Ebook

By www.BankingCareers.in
Version: 2.0 Introduction:
Dear Reader, www.BankingCareers.in is committed to providing learning materials in areas related to bank exams including IBPS PO and Clerk. (BankingCareers.in website also carries regular job/ recruitment alerts in Bank, Finance and Accounting related areas.)

This free Ebook contains sample questions from sections like quantitative aptitude, verbal, general awareness, reasoning etc. compiled on the basis of the nature of the questions asked in bank exams like IBPS PO and Clerk. Reading through this can give you a good idea about how difficult the questions would be. This eBook is a brief extract of questions that already figured in our site and our associated publications. Also there are important formulas towards the end of the eBook. For more materials visit http://www.BankingCareers.in.

Questions Extracted from www.BankingCareers.in & associated materials

Sample Quantitative Aptitude Questions

1) The percentage of numbers from 11 to 75 which are divided by 5 or 7 is: a) 31 b) 35 c) 36 d) 41 Answer : a) 31 Solution: Clearly, the numbers which divided by 5 or 7 from 11 to 75 are 14, 15, 20, 21, 25, 28, 30, 35, 40, 42, 45, 49, 50, 55, 56, 60, 63, 65, 70, 75. The number of such numbers = 20 Total numbers from 11 to 75 = 65 Then the required percentage = (20/65) x 100 = 30.76% = 31 % Hence the answer is 31% 2) If A has weight 9kg more than B and his weight is 56% of the sum of their weights then their weights are : a) 31,40 b) 33,42 c) 36,45 d) 41,50 Answer : b) 33,42 Solution: Let B's weight be X then A's weight is X+9. And, X+9 = 56% of X+X+9 = 56/100 (2X+9) 25(X+9)= 14(2X+9) 3X = 99 => X=33 and X+9 = 42 So, their weights are 33kg,42kg 3) Find the odd man out : 1900, 1876, 1855, 1837, 1821, 1810, 1801 a) 1855 b) 1837 c) 1821 d) 1900 Answer : c)1821 Solution : The above series is formed by subtracting multiples of 3 starting from 24 in reverse order. 1900 - 24 = 1876 1876 - 21 = 1855 1855 - 18 = 1837 1837 - 15 = 1822 1822 - 12 = 1810 ... and so on. The odd one is 1821 which has to be 1822.

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4) Find the odd man out : 28, 29, 60, 123, 736, 3685 a) 29 b) 123 c) 736 d) 3685 Answer : b)123 Solution : The given series are in the following form, 28 x 1 + 1 = 29 29 x 2 + 2 = 60 60 x 3 + 3 = 183 183 x 4 + 4 =736 736 x 5 + 5 =3685 Instead of 183, 123 is given in the series. So 123 is the odd one.

5) Veer invested an amount of Rs.9000 for 2 years at a compound interest rate 15% per annum. How much amount will Veer obtain as interest? a) Rs.2902.50 b) Rs.2900.50 c) Rs.2899.50 d) Rs.2899 Answer : a) Rs.2902.50 Solution: When interest is compounded Annually, we have to use the following formula: Amount = P x [1+ (R/100)]n where P = principal, R = rate of interest and n = time(years) Here P = Rs.9000, R = 15%, n = 2 years. Then, Amount= Rs.9000 x [1 + (15/100)]2 = 9000 x (23/20)2 = 23805/2 = Rs.11902.5 The amount obtained by the way of interest in compound interest = Amount - principal = Rs.(11902.5 - 9000) = Rs.2902.50 Hence the required answer is Rs.2902.50 6) What is the difference between the compound interests on Rs.10,000 for 2 years at 5% per annum compounded yearly and half-yearly? a)Rs.6.00 b)Rs.6.25 c)Rs.6.50 d)Rs.6.75 Answer : b) Rs.6.25 Solution: Here, P = Rs.10,000, n = 2 years, and R = 5% Amount invested for compound interest (yearly) = Rs. 10000 x [1 + 5/100] = Rs.10000 x 21/20 = Rs.10,500

Questions Extracted from www.BankingCareers.in & associated materials Amount invested for compound interest (Half-yearly) = Rs. 10000 x [1 +(5/2)/100]2 = 10000 x (41/40)2 = Rs.10,506.25 Difference = Rs.(10506.25-10500) = Rs.6.25 7) In a certain year, the number of girls who graduated from City High School was twice the number of boys. If 3/4 of the girls and 5/6 of the boys went to college immediately after graduation, what fraction of the graduates that year went to college immediately after graduation? Answer : 7/9 Assume that number of boys graduated from City High School = B Therefore, the number of girls graduated from City High School = 2*B It is given that 3/4 of the girls and 5/6 of the boys went to college immediately after graduation. Hence, total students went to college = (3/4)(2*B) + (5/6)(B) = B * (3/2 + /6) = (7/3)B Fraction of the graduates that year went to college immediately after graduation = [(7/3)B] / [3*B] = 7/9 Therefore, the answer is 7/9 8) Complete the series:5, 20, 24, 6, 2, 8, ? Answer : 12 (As 5*4=20, 20+4=24, 24/4=6, 6-4=2, 2*4=8, 8+4=12). 9) Which one of the following conditions must p, q and r satisfy so that the following system of linear simultaneous equations has at least one solution, such that p + q + r not=0? x+ 2y 3z = p 2x + 6y 11z = q x 2y + 7z = r a) 5p 2q r = 0 b) 5p + 2q + r = 0 c) 5p + 2q r = 0 d) 5p 2q + r = 0 Answer : d) 5p 2q + r = 0 Solution: It is given that , if we consider the first option, and multiply the first equation by 5, second by 2 and third by 1, we see that the coefficients of x, y and z all add up-to zero.

Questions Extracted from www.BankingCareers.in & associated materials

Thus, 5p 2q r = 0. No other option satisfies this. 10) In a 4000 meter race around a circular stadium having a circumference of 1000 meters, the fastest runner and the slowest runner reach the same point at the end of the 5th minute, for the first time after the start of the race. All the runners have the same starting point and each runner maintains a uniform speed throughout the race. If the fastest runner runs at twice the speed of the slowest runner, what is the time taken by the fastest runner to finish the race? a) 20 min b) 15 min c) 10 min d) 5 min Answer : c) 10 min Solution: The ratio of the speeds of the fastest and the slowest runners is 2 : 1. Hence they should meet at only one point on the circumference i.e. the starting point (As the difference in the ratio in reduced form is 1). For the two of them to meet for the first time, the faster should have completed one complete round over the slower one. Since the two of them meet for the first time after 5 min, the faster one should have completed 2 rounds (i.e. 2000 m) and the slower one should have completed 1 round. (I.e. 1000 m) at this time. Thus, the faster one would complete the race (i.e. 4000 m) in 10 min. 11) Dealer sold a radio at a loss of 2.5 %. Had he sold for Rs. 100 more, he would have gained 7 %.In order to gain 12 %, he should sell it for: a) 850 b) 1080 c) 925 d) 1120 Answer : d) 1120 Solution: Let cost.price be c. Let selling price be s. Then, s = 0.975c Had he sold for Rs. 100 more, he would have gained 7 % (100+0.975c-c)/c*100=7 (100-0.025c)*100 = 7c 10000-2.5c=7c c=1000 The answer should be 1120. 12) At the end of the year 1998, Shepherd bought nine dozen goats.Henceforth, every year he had P% of goat at the beginning of the year and sold q% at the end of the year where p>0 and q>0.If the shepherd had nine dozen goat at end of the year 2002, after making the sales for the year, which of the following is true? a) p=q b) p>q c) p<q d) p=q/2

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Answer : b) p>q Solution: The number of goats remains the same.If the percentage that is added every time is equal to the percentage that is sold, then there should be a net decrease. The same will be the case if the percentage added is less than the percentage sold.The only way, the number of goats will remain the same is if p >q. 13) My flight takes of at 2am from a place at 18N 10E and landed 10 Hrs later at a place with coordinates 36N70W. What is the local time when my plane landed? a) 6:00 am b) 6:40am c) 7:40 d) 7:00 e) 8:00 Answer is b) 6:40am The destination place is 80 degrees west to the starting place. Hence the time difference between these two places is 5 hour 20 min. (=24hr*80/360). When the flight landed, the time at the starting place is 12 noon (2 AM + 10 hours). Hence, the time at the destination place is 12 noon - 5:20 hours = 6: 40 AM 14) If 2 X 4 = 16 and 3 X 5 = 30 then what will the value for 7 X 3? 1) 21 Answer: 2) 42 Solution: Actual value for 2 X 4 is 8. But here the 8 is doubled to arrive at 16. Similarly the answer for 3 X 5 is doubled to get 30. Hence the value for 7 X 3 will be 42. 15) 5.78902 when rounded to the nearest thousands the value becomes 1) 5.790 2) 5.791 3) 5.789 4) 5.7912 2) 42 3) 63 4) 15

Answer: 3) 5.789 Solution: Here the solution is straightforward. The digits after 9 are under 5 and hence will not add any value to 9. Hence the rounded value will be 5.789 16) In six equal groups, 665 flowers are to be arranged. How many flowers will be left out of the groups? 1) 5 Answer: 1) 5 Solution: 2) 3 3) 4 4) 2

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When 665 are divided by 6 the remainder would be 5. Hence these 5 flowers would be left out without being able to form a group. 17) Find the missing number in the sequence 3, 5, 9, _, 33 1) 17 Answer: 1) 17 Solution: Looking closely at the above sequence, it resembles the geometric progression 2,4,8,16,32 with 1 being added to every digit. Hence the number at the missing dash would be 17. 18) What is the least number to be added to 120 to make it a perfect square? 1) 24 Answer: 1) 24 Solution: 144 is the nearest perfect square to 120. Hence it should be added with 24 to make it a perfect square. 19) If 1.5x=0.04y then the value of (y-x)/(y+x) is 1) 730/77 2) 73/77 3) 7.3/77 4) None Answer: 2) 73/77 Solution: x/y = 0.04/1.5 = 2/75 So (y-x)/(y+x) = (1 - x/y)/(1 + x/y) = (1 - 2/75)/ (1 + 2/75) = 73/77. 20) The smallest number which when diminished by 3 is divisible by 21,28,36 and 45 is... 1) 869 2) 859 3) 4320 4) 1263 Answer: 4) 1263 Solution: The required number = l.c.m. of (21, 28, 36, 45) +3=1263 2) 10 3) 20 4) 9 2) 16 3) 18 4) 19

Questions Extracted from www.BankingCareers.in & associated materials

21) The ratio of Rita's age to her mother's age is 3:8. The difference of their ages is 35 years. The ratio of their ages after 4 years will be: 1) 7:12 2) 5:12 3) 38:43 4) 42:47 Answer: 2) 5:12 Solution: Let their ages be 3x and 8x 8x - 3x =35 x =7 Their present ages are 21 and 56 years. Ratio of their ages after 4 years are 25:60 = 5:12 22) A tap can fill the tank in 15 minutes and another can empty it in 8 minutes. If the tank is already half full and both the taps are opened together, the tank will be: 1) Filled in 12 min 2) Emptied in 12 min 3) Filled in 8 min 4) Emptied in 8 min Answer: 4) 8 minutes Solution: Rate of tank becoming empty will be more when both taps are opened. Net emptying work done in 1min = (1/8 -1/16) = 1/16 So full tank will be emptied in 16 min . Half tank will be emptied in 8 minutes.

Verbal Reasoning Questions

Fill in the blanks with suitable phrasal verbs from the given choices.
1) He became so furious that he _____________ his opponent with a baseball. a) came around b) knocked out c) dropped out d) wiped out Answer : b) knocked out

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2) He _________ that he was a good basketball player but actually he could not even dribble

properly. a) got behind b) made out c) kept in d) talked about

Answer : b) made out 3) She fainted in the afternoon but soon _____________ a) wiped on b) pulled out c) came around d) caught up

Answer : c) came around 4) They did not find he deal favourable and so they decided to _____ it.
a) pull out of b) run over
c) look down on

d) cut of

Answer : a) pull out of

5) Children should be _________ home if it rains heavily outside. a) held onto b) slipped away into c) fend off to d) kept in Answer : d) kept in 6) We __________ this deal since it is crucial for the companys future.
a) hinge on b) weight up c) pick on

d) hang around

Answer : a) hinge on
7) In order to help the society in constructing a temple, the residents came together and

_________ for its funds. a) digged in Answer : c) put up 8) By the time we reached there, the boy who was _________ the cards had gone away. a) let in for b) took up on c) fishing out d) dishing out b) took over c) put up d) raked in

Answer : d) dishing out 9) She was so annoyed after knowing the truth that she _________ the lamp. a) smashed up b) snarled up c) frittered away d) hammed up

Answer : c) frittered away

10) Doctors find it difficult to ___________ to their obese patients that having a healthy body is very necessary in order to avoid any type of critical disease.
a) put behind

b) set up

c) get down

d) get through

Answer : d) get through

11)Rehan ________ the group discussion round although the topic given was very difficult for him.

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a) muddled through b) played down c) tried on d) ticked off

Answer : a) muddled through

12) They could not make the mayor _________ regarding the inconvenience caused to the city

in the last two days. a) run into Answer : c) pin down 13) It is better to ______ her way as she is a highly aggressive person. a) stay off Answer : b) keep off 14) The lecturer _________ the students to carry their class notebooks daily.
a) hit on

b) stretch out c) pin down

d) wrap up

b) keep off

c) beat up

d) leave off

b) paid off

c) dawned on

d) impressed on

Answer : d) impressed on

The following sentences which are in active voice have to be changed into sentences that are in passive voice. Choose the right option.
15) Hasnt your science teacher taught you about molecules? a) Havent you been taught about molecules by your science teacher? b) Werent you taught about molecules by your science teacher? c) Werent you been taught about molecules by your science teacher? d) Havent you being taught about molecules from your science teacher? Answer : a) Havent you been taught about molecules by your science teacher?

16) The diffusion process spreads the perfume odour throughout the hall. a) The perfume odour is been spread throughout the hall b) The perfume odour is being spread by the diffusion process. c) The perfume odour is spread throughout the hall by the diffusion process. d) The perfume odour was been spread throughout the hall by the diffusion process. Answer : c) The perfume odour is spread throughout the hall by the diffusion process. 17) Her arrogant behaviour annoyed me. a) I was annoyed by her arrogant behaviour. b) I was being annoyed by her arrogant behaviour. c) I have been annoyed by her arrogant behaviour. d) I was been annoyed by her arrogant behaviour. Answer : a) I was annoyed by her arrogant behaviour. 18) My friends are giving me a birthday present tomorrow.

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a) I am given a birthday present tomorrow by my friends.
b) I will have been given a birthday present tomorrow by my friends. c) I will be given a birthday present tomorrow by my friends.

d) I am being given a birthday present tomorrow by my friends. Answer : d) I am being given a birthday present tomorrow by my friends 19) Emily observed the chemical reactions occurring in the jar. a) The chemical reactions that occurred in the jar were observed by Emily. b) The chemical reactions occurring in the jar were observed by Emily. c) The chemical reactions occurring in the jar will be observed by Emily. d) The chemical reactions occurring in the jar have been observed by Emily. Answer : b) The chemical reactions occurring in the jar were observed by Emily

20) Anna said, I cant finish my work by tomorrow. a) Anna said that she cant finish her work by the next day. Anna said that she will not finish her

work by this day. b) Anna said that she couldnt finish her work by that day. c) Anna said that she will not be able to finish her work by this day. Answer : a) Anna said that she cant finish her work by the next day.

21) Olena said, I will ask the teacher to explain the concept again. a) Olena said that she would ask the teacher to explain the concept again. b) Olena said that she will ask the teacher to explain the concept again.
c) Olena said that she was going to ask the teacher to explain the concept again. d) Olena said that she had asked the teacher to explain the concept again.

Answer : a) Olena said that she would ask the teacher to explain the concept again.

22) Chan said, My English may improve soon. a) Chan said that her English was going to improve soon. b) Chan said that her English has been able to improve soon. c) Chan said that her English improved soon. d) Chan said that her English might improve soon. Answer : d) Chan said that her English might improve soon. 23) He said, I had written a letter to my family yesterday.
a) He said that he had written a letter to his family the day before. b) He said that he wrote a letter to his family the day before. c) He said that he was writing a letter to his family the previous day. d) He said that he will write a letter to his family the previous day.

Answer : a) He said that he had written a letter to his family the day before.

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24) Maria said, Ambi is fit to win the competition. a) Maria said that Ambi will be fit to win the competition. b) Maria said that Ambi should be fit to win the competition. c) Maria said that Ambi has to be fit to win the competition d) Maria said that Ambi was fit to win the competition. Answer : d) Maria said that Ambi was fit to win the competition. 25) Jack has sent the television for repair. a) The television has been sent for repair by Jack. b) The television is being repaired by Jack. c) The television is being sent for repair by Jack. d) The television will have been sent for repair by Jack. Answer : a) The television has been sent for repair by Jack. 26) The Chopras are giving their full support to the power project. a) The power project gets its support from the Chopras. b) The power project is being approved by the Chopras.
c) The power project is being given full support by the Chopras. d) The power project has been given full support by the Chopras.

Answer : c) The power project is being given full support by the Chopras. 27) Can you pass this bill on behalf of the director? a) Can the director pass this bill on your behalf? b) Can the passing of the bill be done by you? c) Can this bill be passed by you on behalf of the director? d) Can you help me out in passing this bill? Answer : c) Can this bill be passed by you on behalf of the director?

28) Who has decided to take the final decision? a) By whom is the final decision being taken?
b) Who is taking the final decision nowadays? c) By whom has the final decision been taken? d) The final decision is taken by who?

Answer : c) By whom has the final decision been taken? 29) We should reorganize the entire show. a) The entire show is being reorganized by us. b) The entire show should be reorganized by us. c) The entire show is reorganized by us. d) The entire show has been reorganized by us.

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Answer : b) The entire show should be reorganized by us.

The following sentences, which are in passive voice have to be changed into sentences that are in active voice. Choose the right option.
30) The major points of the lesson were quickly learned by the class, but they were also

quickly forgotten by them. (a) The major points lessons were learnt quickly and forgotten quickly by the class.
(b) The class quickly learned and then the major points of the lesson were quickly forgotten by them.

(c) The class quickly learned, and then had quickly forgotten, the lessons major points. (d) the class quickly learned, and then quickly forgot, the lessons major points. Answer : (d) the class quickly learned, and then quickly forgot, the lessons major points.

31) heights

Tall buildings and mountain roads were avoided by Ram because he had such a fear of

(a) Ram had a fear of heights therefore tall building and mountain roads were avoided by him.

(b) A fear of heights led to the avoidance of tall building and mountain roads by Ram. (c) Ram avoided tall building and mountain roads because he had such a fear of heights. (d) Because he had such a fear of heights, tall buildings and roads were avoided by Ram. Answer : (c) Ram avoided tall building and mountain roads because he had such a fear of heights. 32) The Yellow Wallpaper was written by Charlotte Perkins Gilman.

a) The Yellow Wallpaper had been written by Charlotte Perkins Gilman b) The Yellow Wallpaper was being written by Charlotte Perkins Gilman. c) Charlotte Perkins Gilman wrote The Yellow Wallpaper. Answer : c) Charlotte Perkins Gilman wrote The Yellow Wallpaper. 34) I was surprised by the teachers lack of sympathy. a) The teachers lack of sympathy surprised me. b) Lack of sympathy of teacher surprised me. c) By the lack of sympathy of the teacher I was surprised. d) Surprisingly teacher lacked sympathy for me.

Answer : a) The teachers lack of sympathy surprised me.

Given below are sentences written in direct speech. Choose the option that presents the most appropriate way of writing them in the indirect speech.

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35) Will you help me with my homework?, Neeta asked Raman. a) Neeta asked Raman if he would help her with her homework.
b) Raman was asked by Neeta whether he would help her do the homework.

c) Neeta asked Raman to help her in doing the homework. d) Neeta asked for Ramans help in doing her homework. Answer : a) Neeta asked Raman if he would help her with her homework.

36) How long have you been studying here?, Ajay asked Seema. a) Seema was asked by Ajay whether she was studying there. b) Ajay asked Seema that how long she had been studying there. c) Ajay asked Seema when she was studying there. d) Ajay asked Seema about how long she had studied there. Answer : b) Ajay asked Seema that how long she had been studying there. 37) Chakram said I went to Honolulu ten years ago. a) Chakram announced that he had been to Honolulu ten years ago. b) Chakram said he has been to Honolulu ten years ago. c) Ten years ago he had been to Honolulu said Chakram. d) Chakram said that he had been to Honolulu ten years ago. Answer : d) Chakram said that he had been to Honolulu ten years ago. 38) Heena said Im getting married tomorrow. a) Heena said that she was getting married the day after b) She was getting married on the day after said Heena. c) Heena said on the day after she was getting married. d) Heena said that on the day after she gets married. Answer : a) Heena said that she was getting married the day after 39) Simon said I like taking photographs and collecting stamps. a) Simon said about his liking for stamp collection and photography. b) Simon likes photography and stamp collection. c) Taking photographs and stamp collection are liked by Simon. d) Simon said that he liked taking photographs and collecting stamps. Answer : d) Simon said that he liked taking photographs and collecting stamps.

Choose the option that correctly converts the given sentence, which is in indirect

speech, into direct speech.

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40) Shyam asked me whether I was going to help him. a) Can you help me? Shyam asked me. b) Are you going to help me? Shyam asked me. c) Shyam wanted to know whether I could help him. d) Please help me, Shyam asked me. Answer : b) Are you going to help me? Shyam asked me.

41) At a dinner party a female MP once accused Churchill of being drunk. a) At a dinner party a female MP once accused Churchill: You are drunk! b) Churchill was accused of being a drunk at a dinner party by a female MP. c) Churchill you are drunk accused a female MP at a dinner party.

d) Drunk you are, Churchill at a dinner party a female MP accused. Answer : a) At a dinner party a female MP once accused Churchill: You are drunk! 42) Chakram wanted to know what time the banks closed a) Chakram asked as to what time the banks closed. b) Chakram asked, What time do the banks close? c) What time do the banks close was asked by Chakram. d) What is the closing time for the banks? Asked Chakram. Answer : b) Chakram asked, What time do the banks close?

43) The police officer asked us where we were going. a) Where we were going the police officer asked us.
b) Where we were going was asked by the police officer. c) The Police officer asked us, Where are you going?

d) The police officer asked us as to Where are we going? Answer : c) The Police officer asked us, Where are you going? 44) The doctor told me to stay in bed for a few days. a) The doctor said me, Stay in bed for a few days. b) The doctor said that I need to stay in bed c) Stay in bed for a few days, the doctor said to me. d) Stay in bed for a few days the said to me. Answer : c) Stay in bed for a few days, the doctor said to me.

Choose the appropriate article given bellow and fill in the blank in each of the sentences. In case, the sentence does not require an article, choose no article.
45) _________ event takes place in the second Sunday of June every year. a) a b) an c) the d) no article

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Answer : c) the 46) Absorption is _____ process where broken food molecules enter cells of the body.
a) a b) an
c) the d) no article

Answer : c) the 47) After staring at _________ menu for five minutes, Jane ordered some food.
a) the

b) a

c) an

d) no article

Answer : a) the

48) In the human body, the liver is the largest glandular organ with ________ weight of about 1.36 kg. a) the Answer : b) a 49) __________ used piece of wood can fit in that area. a) the Answer : b) a 50) World peace is ________ very commonly debated topic. a) a Answer : a) a 51) ________ exaggerated statement is called a hyperbole. a) a Answer : b) an 52) One who gives directions from behind __________ scene is a prompter. a) a b) an c) the d) no article b) an c) the d) no article b) an c) the d) no article b) a c) an d) no article b) a c) an d) no article

Answer : c) the 53) _________ assistant came up to me and asked me if I needed assistance. a) a Answer : b) an 54) Shayla, ________ aspiring writer, cant figure out ________ new girl, Elaine, who tells fantastic stories. a) no article, a b) the, a c) an, the d) a, no article b) an c) the d) no article

Answer : c) an, the

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55) According to Einstein __________ curvature is caused by ______ presence of mass or

energy.
a) a, no article
b) the, the

c) an, the

d) no article, the

Answer : b) the, the

56) ________ car I was talking about is standing outside the mall. a) the b) a c) an d) no article Answer : a) the 57) It is always preferable to study in _______ European University. a) an Answer : c) a 58) Raj is one of _______ board of directors of the company. a) a b) the c) an d) no article Answer : b) the b) the c) a d) no article

59) His courage to confront the minister was termed as ________ audacious act by every body. a) the Answer : b) an b) an c) a d) no article

60) Everybody nowadays is interested in taking part in _______ theatre. a) the b) a c) an d) no article Answer : d) no article

In each of the following sentences, some part of the sentence is underlined. Below each sentence there are four ways of rephrasing the underlined part. Select the answer that produces the most effective sentence.
61) The old man down the street has been selling newspapers for the last ten years. a) has been selling newspapers for the last ten years. b) had to sell newspapers for the last ten years. c) have been selling newspapers for the last ten years. d) will have been selling newspaper for the last ten years. Answer : a) has been selling newspapers for the last ten years. 62) When you had received the invitation tonight, only then we will go together.
a) When you had received the invitation tonight. b) When you will be receiving the invitation tonight

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c) When you receive the invitation tonight

Answer : c) When you receive the invitation tonight 63) You were not listening to me when I told you to bring me a cup of tea. a) You were not listening to me c) You would not listen to me b) You had not listened to me c) You had not been listening to me

Answer : a) You were not listening to me

64) I am not to be doing any favours for anyone. a) not to be doing b) not to do c) not going to d) not going to do

Answer : d) not going to do

In each of these questions, two sentences (A) and (B) are given. Each sentence has a blank in it. Five words a), b), c), d) and e) are suggested. Out of these, only one fits at both the places in the context of each sentence. The number of that word is the answer.
67) A) We needed to increase the volume of _______. B) These proteins stimulate the __________ of blood cells. a) formation b) production c) creation d) generation e) synthesis

Answer : c) creation 68) A) Some prison practices are in need of ____ and branch reform B) Without a sensible sex education, all kinds of strange and fantastic ideas will take ______.
a) place b) course
c) root

d) reform

e) shape

Answer : c) root

69) A) She conceded just three points on her ________ during the first set. B) If a young woman did not have a dowry, she went into domestic _______.
a) job b) field c) power d) service e) work

Answer : d) service 70) A) Be willing to do ________ tasks with good grace.

B) It is an attitude that turns the ________ into something rather more interesting and exciting.
a) mundane b) temporary c) earthly d) pleasant e) magnificent

Answer : a) mundane 71) A) The government seems to have ________ the plan. B) The crew _____ their excess fuel and make an emergency landing.

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a) informed

b) scrapped

c) extended

d) jettisoned

e) saved

Answer : d) jettisoned

Which of the phrases a), b), c) and d) given below should replace the phrase given in bold in the following sentence to make the sentence grammatically correct? If the sentence is correct as it is and no correction is required, mark e) as the answer.
72) The train stopped and a porter called off, New Delhi! a) porter called in d) porter called for b) porter called out e) No correction required c) porter called on

Answer : b) porter called out

73) Some of them spoke pleasantly and were well behaved while others were impuding and insulting. a) were impudent and insulted b) were impudently and insulting

c) have been impudent and insulting d) were impudent and insulting e) No correction required Answer : d) were impudent and insulting

74) If you prefer mild flavours reduce or leave off the chilli. a) deduce or leave out of d) reduce or leave out b) throw or leave off c) reduce or leave behind

e) No correction required

Answer : d) reduce or leave out

75) Often an outsold photograph hung above her bedroom fireplace? a) outstay photograph hanged above b) photograph outstayed above c) outsized photograph hung above e) No correction required Answer : c) outsized photograph hung above d) outskirt photograph hanged above

76) We could run out together but neither of us wants to live the rest of our lives abroad.
a) run off together but neither b) run off together but either

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c) run out together but either d) run into together but neither

e) No correction required Answer : a) run off together but neither

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.
Delhi Mayor Ranjni Abbi has (1) the proposal to rename Chandni Chowk after Sachin Tendulkar. But Chief Minister Sheila Dikshit is against changing a three-century-old name deeply (2) in the citys (3). Abbi, (4) is the last mayor (5) the corporation (6) is going to be (7) into three next year, has an eye on a (8) role in Delhi politics. Her fellow councilor Jagdish Mamagain wants Chandni Chowk to be named after E Sreedharan, former Delhi Metro chief. Haritage (9), however, fume that this kind of populism is (10). 1) a) grasped b) backed Answer : b) backed 2) a) based b) originated c) embed d) seats e) rooted c) gained d) besieged e) funded

Answer : e) rooted 3) a) conscience Answer : d) psyche 4) a) that Answer : d) who 5) a) in Answer : c) of 6) a) whose b) that c) which d) who e) at b) at c) of d) on e) by b) which c) whose d) who e) how b) consanguinity c) uprightness d) psyche e) integrity

Answer : c) which 7) a) decoded b) departed Answer : c) split 8) a) bulky b) biased c) enormously d) obligate e) bigger c) split d) disjunction e) apportion

Answer : e) bigger 9) a) barrier b) hawks c) racked d) falcon e) buzzard

Answer : b) hawks 10) a) rabble b) ridiculous c) mockery d) gain e) monocle

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Answer : b) ridiculous

Logical Reasoning Questions

1) If NOIDA is written as STNIF, how MEERUT can be written in that code? 1) QIIVYX Solution: NOIDA is being written as STNIF. Here every letter is replaced by the fifth letter from the letter under observation. For example the fifth letter after N is S and fifth letter after O is T. Applying the same logic, MEERUT can be written as RJJWZY. 2) RJJWZV 3) RJJWZY 4) RIIVYX

Answer: 3) RJJWZY

2) In a certain secret code formulated by a group of businessmen to help communication among themselves BFNVNC is the code for the word MEADOW. How the word CORNER be written in that code? a) SPDMDQ d) SPDQDM Answer : b) DPSQDM e) none of these. d) SPDQDM. c) DPSMDQ

M B

E F

A N

D V

O N

W C

The word MEADOW is splitted into two halves as MEA and DOW. The first word is reversed as AEM and the letter is moved one step forward i.e A as B,E as M and M as N. Similarly the second word is reversed as DOW and the letter is moved one step backward i.e. W as V,O as N and D as C. Now the code for MEADOW is obtained. By following the similar steps CORNER can be coded as SPDQDM

3) How many meaningful English words can be made with the letters TSRAE using each letter only once in each word?
a) Five b) two c) three d) four e) none of these

Answer :

e) None of these.

Using the letters only one word - TEARS can be made. Hence answer is e) none of these.

4) Effect: There has been a record purchase of diesel cars in the last couple of months and

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they are in short supply in the market. Which of the following is a possible cause to the above mentioned effect? a) Diesel cars are very comfortable and easy to drive b) Diesel cars are cheaper than other cars c) A regular increase in petrol prices has shifted the customer base from petrol cars to diesel cars d) Diesel cars have low cost of maintenance e) All of these Answer : e) All of them, assuming them to be true can be possible cause

5) Statement: The centre is saddled with unmanageable large foodgrain stocks, whose accumulation has deprived farmers of a golden opportunity to export wheat. This is unfortunate and the fault lies squarely with the government. Which of the following can be drawn as a conclusion from the above passage? a) The government has no food management system in place. b) There is no need for overhaul of food management system c) Over the years the minimum support price stipulated by the government for wheat has failed to protect the wheat growers, so they are not growing wheat any more. d) The food management system is not doing its job properly e) None of these Answer : d) It is given that foodgrains are not stored properly, So, an appropriate conclusion is that the management system is not doing its job properly

In each of the questions below is given a statement followed by three courses of action numbered I, II and III. You have to assume everything in statements to be true and then decide which of the three suggested courses of action logically follows for pursuing.

6) Statement: The weather bureau, through a recent bulletin, forecast heavy rainfall during the next week, which may cause waterlogging in several parts of the city. Courses of action: I. The bulletin should be given wide publicity through mass media. II. The civil authority should be ready with the pumping system for removal of water from these parts. III. People should be advised to stay completely indoors during the period. a) None follow b) Only II follows c) Only I and II follow

d) Only II and III follow e) None of these Answer : c) Only I and II follow.

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Actions I and II are both pre-and post-actions regarding the problem. Both minimize the loss, while the third is irrelevant

7) Statement: The main way connecting Velachery and Guindy the two main areas of Chennai city is inundated due to heavy rains during the past five days. Courses of action: I. The State Government should immediately send a relief team to the affected area. II. The corporation authority should make immediate effort to pump out water from the road. III. The Chennai corporation authority should advise the general public to stay indoors till the water is cleared.

a) All of them follow.

b) Only II follows

c) Only I and II follow

d) Only II and III follow. e)None of these. Answer : a) All of them follow. The main way connecting two main areas of Chennai city is inundatedthat means covered with sheets of water such that people cannot move around easily. So any of the three actions and all of them follow to solve the crisis.

8) Statement: The prices of essential commodities including vegetables and eatables have gone up considerably during the past few weeks on account of steep increase in the price of petrol. Course of action:
I. The government should set up an expert committee to study the trend of prices of essential items. II. The government should immediately abolish taxes on essential commodities.

III. The government should advise the general public to refrain from purchasing essential commodities for a few days

a) None follows d) Only I and III follow

b) Only I follows. e)Only I and II follow.

c) Only II follows

Answer : c) only II follows. The problem of public are to be tackled immediately and for that II only is readily advisable. problem. Setting up of committees and giving it time etc. will not solve the Similarly III negates the importance of essential commodities and public

cannot refrain from purchasing essential items like milk, vegetable etc. for day to day living.

Each of the questions given below consists of a question and three statements numbered I, II and III given below it. You have to decide which of the statements are sufficient to answer the question.

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9) How many students in the school are getting merit cum need scholarship? Statements: I. The school has seven hundred students, out of which 10% belong to below poverty line families. II. The number of students who got I division is 140. III. Out of these I divisioners, 65% belong to well-to-do families. (a) Only I and II (d) Only I and either II or III Answer : c) all the three. (b) Only I and III (e) None (c) All the three

10) Who among the candidates A, B, C, D and E got the highest number of votes? Statements: I. C got less votes than E but more than B. II. E got more votes than A but less than D. III. D got more votes than A and E.

(a) Only I and II (d) All the three Answer :

(b) Only II and III (e) Only I and either II or III

(c) Only I and III

e) only I and either II or III.

11) The clock-tower is in which direction from the bus-stand? Statements: I. If you look at the clock-tower from the bus-stand in early morning, the sun would rise towards your left. II. The main hospital is 1 km to the west of clock-tower and the railway station 1 km to the north of hospital. III. The bus-stand is 1 km to the east of railway station.

(a) Either I or II and III (b) Only II and III (d) Either II or III Answer : a) (e) All the three Either I or II and III.

(c) Only I

12) How far is Mr Aroras office from his residence? Statements:

I. He usually takes 35 minutes in reaching his office. II. He never drives beyond 60 km per hour.

III. If he goes by the longer route he takes 10 minutes more in reaching his office.

(a) Only I (d) Any one of the three

(b) Only II

(c) Only III

(e) Question cant be answered

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Answer : e) question cannot be answered

Statement I doesnt specify from where it take 35 minutes. II statement is not useful at all because it says the maximum speed only. III is also not helping us even a little. 13) What is the actual age of your brother? Statements: I. I was born in 1986. II. My brother is four years older than me. III. He is two years younger than my eldest sister. (a) Only I (d) Only II and III (b) Only I and II (e) All the three (c) Only III

Answer : b) only I and II.

In each question below is given a statement followed by two courses of actions numbered I and II. 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, assume everything in the statement to be true and then decide which of the suggested courses of action logically follow for pursuing. Give answer: (a) if only I follows (b) if only II follows (c) if either I or II follows (d) if neither I nor II follows (e) if both I and II follow
14) Eve-teasing has become a menace for girls who come out from the girls college to go home. I. All girls should be taught martial arts. II. Some policemen in plain clothes should be appointed around the college gate to keep an eye and teach a lesson to miscreants. Answer : b) only II follows.

15) Government schools have better qualified teachers as compared to other schools and yet, people prefer to send their children to other schools. I. Teachers to adopt English as medium of instruction. II. Private schools should be closed. Answer : d) neither I nor II follows.

16) Our cottage industries are on decline as most of the customers prefer to buy cheap

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Chinese goods. I. There should be a restriction on inflow of Chinese goods into Indian market.
II. The workers connected with cottage industries should be advised to bring down the prices of their

products Answer : a) only I follows. 17) There have been two blasts at railway station Z during the last fortnight. I. All the activities of the railway station should be covered with CCTV cameras. II. Entry points to station should have x-ray machines and manual frisking arrangements. Answer : b) only II follows.

18) Death in police custody in area X has caused violent public agitation. I. All the employees, responsible for the death should be suspended immediately. II. Leaders of public agitation should be arrested. Answer : a) only I follows.

In each question below is given a statement followed by two assumptions numbered I and II. An assumption is something supposed or taken for granted. You have to consider the statement and the following assumptions and then decide which of the assumption is implicit in the statement. Give answer: (a) if only I is implicit (b) if only II is implicit (c) if either I or II is implicit (d) if neither I nor II is implicit (e) if both I and II are implicit
19) Statement: Beware of pick-pockets a notice in a bank. Assumptions: I. Pick-pockets often linger in corridors and keep an eye on persons carrying heavy cash or valuables. II. The bank is concerned about safety of its customers. Answer : e) both I and II are implicit.

20) Statement: Astronomers have advised all the persons who were born between June 22 and July 22 (Cancerians) to be very careful regarding money transactions and take extra care of their health.

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Assumptions: I. Stars affect life of people. II. Others who were not born during this particular period will not have any health problem or financial setback. Answer : a) Only I is implicit.

21) Statement: The government ruled out any further reduction in the prices of petrol and diesel. Assumptions: I. Prices of all the commodities have been constantly falling. II. The government has recently reduced the prices of petrol and diesel. Answer : b) only II is implicit.

22) Statement:
In elections cash, crime, caste and small regional issues have become the deciding factors.

Assumptions: I. Previously, the politicians contested the election with stress on ethics, character and moral values. II. All voters are under the spell of criminals. Answer : d) neither I nor II is implicit.

23) Statement: Many blood-donors collected in the hospital to save the life of a 14-year old boy. Assumptions: I. The boy met with an accident and lost sufficient amount of blood.
II. He suffers from some other disease and the blood pumped into his body will save his life.

Answer :

c) either I or II is implicit.

General Awareness
1) Ref : Banking Regulation Act, 1949. Identify odd item:
a) Deposits b) Loans c) Investment d) Trading activity

Answer : d) Trading activity 2) Account payee only crossing is a direction to

a) paying banker only c) both paying and collecting bankers b) collecting banker only d) payee only.

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Answer : c) both paying and collecting bankers

3) Individuals who are engaged in trading or manufacturing activity can accept deposits. a) true; but they should report to RBI quarterly b) partly true; they can accept deposit from friends c) partly true; they can accept deposits from relatives d) partly true: both b & c Answer : d) partly true: both b & c 4) No banker issues a bearer draft. The reason is
a) banking practice c) prohibited under RBI Act b) prohibited under BR Act
d) prohibited under NI Act

Answer : c) prohibited under RBI Act

5) Paying banker gets protection in case of payment of a bearer cheque under Sec. of NI Act. a) 25 b) 65 c) 85 d) 128 Answer : c) 85

6) Under Section 131 of NI Act, the word conversion means a) transfer of title to a holder in due course b) transfer of title to a person who is not the true owner c) paying the value for a foreign currency instrument in Indian rupees d) changing the type of deposit Answer : b) transfer of title to a person who is not the true owner 7) RBI can issue currency notes upto a maximum denomination of a) 1000 b) 5000 c) 10000 d) 20000

Answer : c) 10000 8) A pay order issued by a bank is construed to be a a) promissory note Answer : c) IOU 9) Identify the odd item (Ref: Sale of Goods Act) a) Goods c) Stocks & Shares Answer : d) Currency Notes 10) Debenture is a documents acknowledging a) Companys indebtedness b) Companys ownership b) Movable Property d) Currency Notes b) bill of exchange c) IOU d) cheque

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c) Ownership of machinery
d) None of the above

Answer : a) Companys indebtedness

11) To commence or carrying on banking business in India, a company needs a) Licence from the Registrar of Companies
b) Licence from the respective State Government c) Licence from the Reserve Bank

d) No need for any licence Answer : c) Licence from the Reserve Bank 12) Voting rights of shareholders is restricted to ___ % of total voting rights. a) 10% b) 20% c) 40% d) unlimited

Answer : a) 10% 13) The sole authority of Currency Note issue is a) Reserve Bank c) Consortium of banks Answer : a) Reserve Bank 14) Banking Ombudsman is an authority for
a) Resolution and Settlement of complaints of the public against banks without going to court

b) State Bank d) Exim Bank

b) Helping the banks for recovery of NPAs c) Finding ways and means to improve customer service d) Fixing rate of interest on deposit. Answer : a) Resolution and Settlement of complaints of the public against banks without going to court 15) In respect of non acceptance of small denomination notes complaint may be made to
a) Reserve Bank c) DRT
b) District Consumer Forum d) Banking Ombudsman

Answer : a) Reserve Bank 16) Scheduled Bank means a) A Bank with more than 100 Branches b) Bank with deposits beyond Rs.1000 Crores c) Bank included in the Second Schedule of the RBI Act, 1934 d) None of these Answer : c) Bank included in the Second Schedule of the RBI Act, 1934
17) Bank Rate means

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a) Fixed Deposit Rate b) Loans Rate
c) Savings Bank Rate

d) Standard Rate at which the Reserve Bank is prepared to buy eligible bills.
Answer : d) Standard Rate at which the Reserve Bank is prepared to buy eligible bills.

18) Unclaimed Deposit means a deposit not operated for a) 3 years b) 5 years c) 7 years d) 10 years

Answer : d) 10 years 19) When the affairs of a bank are not satisfactory, a moratorium is imposed by a) Reserve Bank c) Registrar of Companies Answer : a) Reserve Bank 20) Bailment is the delivery of goods a) as security a) Reserve Bank c) for using on rent d) for sale or return b) Central Government d) Banks Board of Directors.

Answer : a) Reserve Bank

Quantitative Aptitude Formulas

I. Arithmetic Progression.
Definition: If each term of a series differs from its preceding term by a constant, then such a progression is called arithmetic progression. e.g: 2,5,8,11 In the above sequence the difference between any two terms in 3. Formula: Consider an AP : a, (a + d), (a + 2d), (a + 3d),(a + 4d),....
1) n
th

term of the above sequence = Tn = a + (n - 1)d

2) Sum to n no of terms Sn = n / 2 (2a + (n - 1)d)

3) Another formula for Sn = n / 2 (first term + last term)

II. Geometric Progression.

Definition: Any progression or sequence with successive terms having a common ration is called geometric progression. e.g: 2,4,8,16... In the above sequence the common ratio is 2 for any two successive terms Formula: Consider a GP - a, ar, ar .... where a is the first term and r is the common ratio 4) n
th 2 n-1 n

term, Tn = ar

5) Sum to n terms, Sn = a(1 - r )/(1-r)

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6) In case r lies between -1 and +1 then Sum of all terms of the series = a/ (1 - r)

III. HCF and LCM

7) Product of two numbers = Their HCF X Their LCM

IV. Surds and Indices m n m+n

8) a
m

x a = a
n m-n

9) a a = a
m n

10) (a ) = a

mn

11) a 12) a

1/m

m m

-m

= 1/a =

13) a 14) a 15)

m/n o

n
m

=1 a=2 a

a +

16) 17)

ax a/b =

= a/

ab b

V. Percentages
18) How to express a/b as percentage? Answer : (a/b) x 100 19) How to express a percentage of b? Answer : (a/100) x b 20) If the price of an item increases by A%, then the reduction in consumption so as not to increase the expenditure is Answer : A / (100 + A) x 100 % 21) If the price of an item decreases by A%, then the increase in consumption so as not to decrease the expenditure is: Answer : A / (100 - A) x 100 %

VI. Profit And Loss

22) Profit = Selling Price - Cost Price 23) Loss = Cost Price - Selling Price 24) Profit Percentage = (Profit / Cost Price) x100 25) Loss Percentage = (Loss / Cost Price) x100

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VII. Time And Work

26) N1 x R1 = N2 x R2 = W Here: N = number of working men; R = rate of work done per man; D = days; W = total work done.

VIII. Simple and Compound Interest

27) For Interest Compounded Annually Total Amount = P (1+(R/100))
29) For Interest Compounded Quarterly Total Amount = P(1+(R/400))
4n
n

28) For Interest Compounded Half Yearly Total Amount = P(1+(R/200))2n 30) Simple Interest = (Principal X Rate X Time) / 100 SI = PRT/100
Where P = capital amount, R = annual rate, T = time period in years

IX. Boats And Streams

Let b = boat speed, s = stream speed, d = distance and t = time 31) Smooth water equation b = d / t 32) Upstream equation b + s = d/t 33) Downstream speed. b - s = d/t

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