NATIONAL INSURANCE CORPORATION INDIA LIMITED (NICL) EXAM MODEL

SET PAPE
TEST I : REASONING
Directions : In each of the following questions, there is a group of letters or words given. Four of the five are
alike in a
certain way, while one is different. Find out the one which is different.
Q.1. (1) black (2) red (3) green (4) yellow (5) paint
Q.2. (1) XZ (2) MN (3) PQ (4) BC (5) ST
Q.3. Foot is related to Man in the same way as Hoof is related to
(1) Leg (2) Horse (3) Dog (4) Boy (5) Shoe
Q.4. Day is related to Night in the same way as Kind is related to
(1) Cruel (2) Bright (3) Dark (4) Generous (5) Gratitude
Q.5. If the letters in the word TOPS can be rearranged to form a meaningful word beginning with O, the last
letter of
that word is your answer. If more than one such word can be formed, M is the answer and if no such word can
be formed, X is the answer.
(1) T (2) P (3) M (4) S (5) X
Q.6. Some leaders are dishonest. Satyapriya is a leader. Which of the following inferences definitely follows
from these two statements ?
(1) Satyapriya is honest (2) Satyapriya is dishonest
(3) Some leaders are honest (4) Leaders are generally dishonest
(5) Satyapriya is sometimes dishonest

21.Vikas walked 10 m towards North, took a left turn and walked 15 m and again took a left turn and walked
10 m and stopped walking. Which direction is he from the starting point?
1) South 2) West 3) South-East
4) North 5) None
Directions (22-25): In each question below are either two or three
statements followed by two conclusions I and II. You have to take the
two or three given statements to be true and then decide which of the given conclusions logically follows from
the given statements,
disregarding the 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
conclusion II follows.
Give answer 4) If neither conclusion I nor
conclusion II follows.
Give answer 5) If both conclusion I and
conclusion II follow.
22. Statements: All kites are birds.
All aeroplanes are kites.
No bird is a fish.
Conclusions: I. No fish is a kite.
II. All aeroplanes are birds.
23. Statements: No colour is a paint.
No paint is a brush.
Conclusions: I. No colour is a brush.
II. Some brushes are colours.
24. Statements: Some computers are screens.
Some screens are movies.
Some movies are scripts.
Conclusions: I. Some computers are movies.
II. Some screens are scripts
25. Some screens are scripts.
10. Statements: All pearls are gems.
All gems are diamonds.
All corals are gems.
Conclusions: I. All diamonds are pearls.
II. Some diamonds are pearls.

TEST II : ENGLISH LANGUAGE

This is a test to see how well you know English. Your English language ability would be tested through
questions on
grammar, vocabulary, sentence completion, synonyms, antonyms, comprehension of a passage, etc. Study and
answer the sample questions given below. Please remember, in the test paper there may be questions of
several other
types also.
Directions : Pick out the most appropriate word from amongst the words given below each sentence to
complete it
meaningfully.
Q.21. He quickly glanced .............................. the book to find what it said about the Indian economy.
(1) at (2) through (3) in (4) to (5) over
The correct answer is through which is answer No. 2.
Q.22. The counsel urged the court to ........................... down the obnoxious law.
(1) enact (2) enforce (3) cancel (4) strike (5) declare
Q.23. The local official ........................... the Minister of the situation.
(1) explained (2) warned (3) apprised (4) told (5) intimated
Directions : Read each sentence given below 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 of the sentence is your answer. If there
is no error, the answer is 5.
(Ignore errors of punctuations, if any)
Q.24. I am twenty / two years old / when I first / joined the bank. No error
(1) (2) (3) (4) (5)
The error is in (1). Therefore the answer is 1.
Q.25. To the Hindus / the Ganga is / holier than / any other river. No error
(1) (2) (3) (4) (5)
In this question, there is no error; Hence the right answer to this question is 5.
Now attempt the following question.
Q.26. Of all the teachers / in our school / our class teacher / were very strict. No error
(1) (2) (3) (4) (5)
Directions : In each of the following questions select from amongst the five alternatives, the word nearest in
meaning of the word given in capitals.
Q.27. CENTENARY
(1) a guard (2) a hundred years (3) a very old man (4) hundred runs (5) hundredth anniversary
Q.28. TRIUMPH
(1) conquer (2) smash (3) earn (4) brave (5) capture
Directions : In each of the following questions, select from amongst the five alternatives, the word most
opposite in
meaning of the word given in capitals.
Q.29. LIVELY
(1) simple (2) weak (3) dull (4) angry (5) moron
Q.30. INADVERTENT
(1) adequate (2) available (3) sluggish (4) negligent (5) intentional
In addition to the above questions, there will be a passage in English for comprehension. You will be asked
questions based on the passage.
Directions (Q.31-40): Read the following passage to answer the given questions based on it. Some
words/phrases are printed in bold to help you locate them while answering some of the questions.
India's manufacturing growth fell to its lowest in more than two years in September 2011, reinforcing fears
that an extended period of high policy rates is hurting growth, according to a closely vatched index.
The HSBC India Purchasing Managers' Index (PMI), based on a survey of over 500 companies, fell to 50.4 from
52.6 in August and 53.6 in July. It was the lowest since March 2009, when the reading was below 50, indicating
contraction. September's index also recorded the biggest one-month fall since November 2008.
The sub-index for new orders, which reflects future output, declined for the sixth successive month, while
export orders fell for a third month on the back of weakness in global economy. The Reserve Bank of India

(RBI) last week indicated it was not done yet with monetary policy tightening as inflation was still high. The
bank has already raised rates 12 times since March 2010 to tame inflation, which is at a 13-month high of
9.78%.
Economists expect the RBI to raise rates one more time but warn that targeted growth wiII be hard to achieve
if the slump continues. "This (fall in PMI) was driven by weaker orders, with export orders still contracting due
to the weaker global economic conditions," HSBC said in a press release quoting its chief economist for India &
ASEAN.
PMI is considered a fairly good indicator of manufacturing activity the world over, but in the case of India, the
large contribution of the unorganized sector yields a low correlation with industrial growth.
However, the Index for Industrial Production (IIP) has been showing a weakening trend, having slipped to a 21month low of 3.3% in July. The core sector, which consists of eight infrastructure industries and has a
combined weight of 37.9% in the IIP, also grew at only 3.5% in August.
The PMI data is in line with the suffering manufacturing activity in India as per other estimates. Producers are
seeing that demand conditions are softening and the outlook is uncertain, therefore they are producing less.
Employment in the manufacturing sector declined for the second consecutive month, indicating it too was
under pressure. This could be attributed to lower requirement of staff and rise in resignations as higher wage
requests go unfulfilled, the HSBC statement said.
On the inflation front, input prices rose at an 11-month low rate, but despite signs of softening, they still
remain at historically high levels.
While decelerating slightly, the readings for input and output prices suggest that inflation pressures remain
firmly in place.
Most economists feel the RBI is close to the end of its rate hike cycle. Even the weekly Wholesale Price Index
(WPI) estimates have started showing signs of softening, having fallen more than one percentage point.
31. The PMI is based on surveys of
1) Individual Consumers
2) Companies
3) Countries
4) Economists
5) Banks
32. Which year did PMI record the biggest one-month fall since 2008?
1) 2009
2) 2008
3) 2010
4) 2011
5) None of these
33. Which of the following explains the phrase, as used in the passage, "it was not done yet"?
1) It is over now
2) There is no hope
3) There is still hope
4) Rates will be further raised
5) PMI will further fall
34. Which of the following is indicated by the sub-index for new orders?
1) Export orders
2) WPI
3) Inflation
34) Output price
5) Future output
5. How many companies are included in PMI data from India?
1) About 100
2) Less than 10
3) Between 100 to 300

4) More than 500

5) More than 10,000
36. Which of the following is the prediction of economists about RBI's rate hike cycle, as per the passage?
1) There will not be many rate hikes
2) The rate reduction cycle will start soon.
3) There will be many more rate hikes.
4) Not indicated in the passage.
5) None of these
37. Which of the following is not true about PMI data in India?
1) It reflects decline in manufacturing.
2) In September 2011, PMI was 50.4.
3) Reduction is export orders affected PMI.
4) Other related estimates support PMI data.
5) PMI data is reported once in 3 months.
38. PMI is used
1) Only in India
2) World over
3) Only in ASEAN countries
4) Only in developed countries
5) Only in developing countries
39. Which of the following is indicated as one of the reasons for the fall in PMI?
1) Less number of order were placed.
2) Unorganized sector failed to give the required results.
3) Industrial unrest reduced manufacturing.
4) RBI has stopped raising the rates.
5) WPI has shown signs of softening.
40. Which of the following is correct in the context of the passage?
1) India's manufacturing growth was the lowest in 2010.
2) PMI is not affected by high policy rates.
3) Employment in manufacturing sector was also affected adversely.
4) The input prices were lowest in 2011 as compared to earlier years.
5) IIP was 37.9% in August.
Directions (Q. 41-45): 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. The number of that word is the answer.
41. I. The truck stopped __________.
II. We take__________ a walk every day.
1) suddenly
2) long
3) short
4) distant
5) near
42. I. I got the grains__________ in the machine.
II. I do not have any__________ for doubting him.
1) done
2) basis

3) ground
4) crushed
5) tune
43. I. We were asked to design a_______ of the dam.
II. This Institute is a_________ of modem thinking.
1) picture
2) type
3) function
4) fabric
5) model
44. I. I Keep________ a grip on the railing.
II. He was_______ asleep.
1) fast
2) firm
3) deep
4) strong
5) sure
45. I. He asked me to_______ over the fence.
II. We should keep the valuables in the________ .
1) vault
2) cross
3) safe
4) tie
5) locker
Directions (Q. 46-50): Read each sentence to find out whether there is any grammatical mistake/error in it. The
error if any, will be in one part of the sentence. Mark the number of the part with error as your answer. If
there is no error, mark 5).
46. 1) All companies must / 2) send its annual report to / 3) its shareholders twenty-one days /4) before the
Annual General Body Meeting. / 5) No error
47. 1) To be an effective manager / 2) it is vital to / 3) know the goals and vision / 4) of your organization. / 5)
No error
48. 1) His aim is / 2) provided cheap and / 3) reliable internet facilities /4) to every village within five years. / 5)
No error
49. 1) Bank notes have / 2) many special features so / 3) that bank staff can /4) easier identify fake notes. /5)
No error
50. 1) According to the Census Bureau, / 2) India will have / 3) a more population / 4) than China by 2025. /5)
No error

TEST III : NUMERICAL ABILITY

TEST IV : COMPUTER KNOWLEDGE

76. Computer uses the .......... number system to store data and perform calculations.
(1) binary
(2) octal
(3) decimal
(4) hexadecimal
(5) None of these
77. A disk's content that is recorded at the time of manufacture and that cannot be changed or
erased by the user is(1) Memory-only
(2) Write-only
(3) Once-only
(4) Run-only
(5) Read-only
78. Which of the following can be used to select the entire document?
(1) CTRL + A
(2) ALT + F5
(3) SHIFT + A
(4) CTRL + K
(5) CTRL + H
79. .......... are attempts by individuals to obtain confidential information from you by falsifying their
identity.
(1) Phishing
(2) Computer viruses
(3) Spyware scams
(4) Viruses
(5) None of the above
80. A Web site's main page is called its(1) Home Page
(2) Browser Page
(3) Search Page
(4) Bookmark
(5) None of these
81. 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
82. Codes consisting of lines of varying widths or lengths that are computer-readable are known as(1) an ASCII code
(2) a magnetic tape
(3) an OCR scanner
(4) a bar code
(5) None of these
83. To instruct Word to fit the width of a column to the contents of a table automatically, click the
..... button and then point to AutoFit Contents.
(1) Fit to Form
(2) Format
(3) Autosize
(4) Contents
(5) AutoFit
84. Why is it unethical to share copyrighted files with your friends?
(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-anyone can access a computer

85. Reusable optical storage will typically have the acronym(1) CD
(2) DVD
(3) ROM
(4) RW
(5) ROS
86. The most common type of storage devices are(1) persistent
(2) optical
(3) magnetic
(4) flash
(5) steel
87. A device that connects to a network without the use of cables is said to be(1) distributed
(2) free
(3) centralized
(4) open source
(5) None of these
88. A person who used his or her expertise to gain access to other people's computers to get
information illegally or do damage is a(1) hacker
(2) analyst
(3) instant messenger
(4) programmer
(5) spammer
90. To access properties of an object, the mouse technique to use is(1) dragging
(2) dropping
(3) right-clicking
(4) shift-clicking
(5) None of these
91. To change selected text to all capital letters, click the change case button, then click(1) UPPERCASE
(2) UPPER ALL
(3) CAPS LOCK
(4) Lock Upper
(5) Large Size
92. The basic unit of a worksheet into which you enter data in Excel is called a(1) tab
(2) cell
(3) box
(4) range
(5) None of these
93. You can keep your personal files / folders in(1) My folder
(2) My Documents
(3) My Files
(4) My Text
(5) None of these
94. 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
95. A DVD is an example of a(n)-

(1) hard disk

(2) optical disc
(3) output device
(4) solid-state storage device
(5) None of these
96. The default view in Excel is ......... view.
(1) Work
(2) Auto
(3) Normal
(4) Roman
(5) None of these
97. The process of transferring files from a computer on the Internet to your computer is calledPractice
(1) downloading
(2) uploading
(3) FTP
(4) JPEG
(5) downsizing
98. .......... is the process of dividing the disk into tracks and sectors.
(1) Tracking
(2) Formatting
(3) Crashing
(4) Allotting
(5) None of these
99. Help Menu is available at which button?
(1) End
(2) Start
(3) Turnoff
(4) Restart
(5) Reboot
100. The contents of .......... are lost when the computer turns off.
(1) storage
(2) input
(3) output
(4) memory
(5) None of these

TEST V :GENERAL AWARENESS

101.Which of the following statement (s) reflects Indias stand on new World Trade Organizations
proposal on the issue of the subsidy to agro products?
(1) India would protect the interest of its poor farmers who cannot bear the burden of the cost of the
products if they have to sell them on cheaper rate.
(2) Indian industry needs more flexibility as compared to the industry in developed countries.
(3) WTO has set up a new committee under the chairmanship of Putin of Russia to look into the issue
of subsidy and find out a solution to the problem acceptable to all the parties.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 & 2
(E) None of these
ANS (A)
102. Which of the following statement (s) is / are true about the 11th five year plan of India ?
(1) The highest priority is given to exports ,education and development of steel sector.
(2) The plan aims at achieving the growth at 10 % level by the end of the plan.
(3) The Rashtriya Krishi Vikas Yojana is revived in such a way so that it can be achieve a growth nof
4 % for agriculture sector.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 & 2
(E) None of these
ANS (D)
103. As per the figures released recently the Stock markets in emerging economies made handsome
returns last year (2007-08). Which of the following stock markets amongst the BRIC nations
registered highest increased (97 %) compared to its performance in 2006-07 ?
(A) Cina
(B) Brazil
(C) Russia
(D) India
(E) None of these
ANS (D)
104. Bayana which was in news recently is a place in (A) Uttar Pradseh
(B) Madhya Pradseh
(C) Bihar
(D) Haryana
(E) Rajasthan
ANS (E)
105. Which of the following statement (s) is / are correct about the Indo-Russia Bilateral Defence Ties ?
(1) Both the countries have decided to produce a fifth generation fighter aircraft and a multi role cargo
plane.
(2) India has agreed to launch Russian missiles from its base at Chandipur incase some other nation
attacks on Russia
(3) India and Russia were able to sort out differences over the utilization of Rupee debt fund which is
of Rs. 8000 Crore at present.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 & 3 only
(E) None of these
ANS (A)
106. India has recently decided to put a wire fence on the 76 km. long border in Dhudri district in
Assam. The fence will separate India from -

(A) Nepal
(B) China
(C) Bangladesh
(D) Myanmar
(E) Pakistan
ANS (C)
107. As we all know the Govt. of India is very keen about providing banking service to the people in
rural and remote areas . However , banks feel that the cost of providing services in these areas for
financial inclusion is quite high if services are offered through the traditional branch channel . What
is / are the other alternative cost effective channel (s) to fulfill this aim of the Govt. of India ?
(1) Putting biometric ATMs.
(2) Introduce mobile banking.
(3) Issue credit or debit cards
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1,2 & 3
(E) None of these
ANS (B)
108. The Govt. of India recently issued a notification altering constituencies in 24 States and Union
territories. This is done as per the provision of which of the following Acts?
(A) Delimitation Act
(B) Census Act
(C) Parliament Act
(D) State Reorganization Act
(E) None of these
ANS (A)
109. As we read very frequently in the newspaper fraudulent activities in financial world is still
continuing despite various efforts made by various countries to prevent them. As an estimate by IMF,
what is the probable amount derived from such illegal activities which is laundered through the
worlds formal financial systems every year? About (A) US$ 500 billion
(B) US$ 800 billion
(C) US$ 1000 billion
(D) US$ 1250 billion
(E) US$ 1500 billion
ANS (D)
110. Indian Prime Minister during his visit the Arunachal Pradesh a few months back asserted that the
State is Indias Land of Rising Sun. Which of the following countries did not like his statement and
had raised some objection over his visit to Arunachal Pradesh which is very much a part of India?
(A) Myanmar
(B) China
(C) Bangladesh
(D) Bhutan
(E) Nepal
ANS (B)
111. Which of the following is the amount of insurance cover provided to the workers of the
unorganized sector under Rashtriya Swasthya Bima Yojana?
(A) Rs. 10,000/(B) Rs. 20,000/(C) Rs. 30,000/(D) Rs. 40,000/(E) Rs. 50,000/ANS (C)
112. Which of the following is NOT one of the highlights Economic Survey presented in the Lok Sabha
for the year 2007-08?
(A) Economy has moved to higher growth phase

(B) A trend of acceleration in domestic investment and saving rate is recorded.

(C) Buoyant growth in Govt. revenue.
(D) Indian Economy at market rate of exchange crossed 1 trillion US$ in current fiscal.
(E) Net Foreign direct Investment increased by 350 % .
ANS (E)
113. Which of the following is / are correct about sub prime crisis which was in news recently?
(1) It has reduced the flow of capital coming of Indian Stock Markets.
(2) The sub prime crisis is the major financial crisis whose origin is in the Russia and Brazil. It has
adversely affected the economy of Europe and USA.
(3) The crisis started when some people started trading with false Share certificates of major blue
chip US companies in the stock markets.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 & 2
(E) None of these
ANS ()
114. The Prime Minister Gram Sadak Yojana (PMGSY) has a target to connect all habitations of which
of the following levels with all weather roads by 2008-09?
(A) 1000+
(B) 2000+
(C) 3000+
(D) 4000+
(E) None of these
ANS (A)
115. As we all know the value of the Indian rupee has appreciated in the recent past . The value of the
Rupee is direct dependent on which of the following?
(A) Availability of commodities in the market.
(B) VAT introduced by the Govt. on various commodities.
(C) Size of total Forex Reserve of India currently.
(D) Capital flow in the market during a given period of time.
(E) None of these
ANS (A)
116. Which of the following banks has taken over the Centurion Bank of Punjab?
(A) ICICI Bank
(B) IDBI Bank
(C) HDFC Bank
(D) AXIS Bank
(E) None of these
ANS (C)
117. As per provision made in Bharat Nirman programme the pace of creation of irrigation facilities is
required to be raised from present level of 1.42 million hectare per year in such a way so that it can
achieve the target level fixed for the same?
(A) 1.50 million hectares / year
(B) 1.75 million hectares / year
(C) 2.00 million hectares / year
(D) 2.25 million hectares / year
(E) 2.50 million hectares / year
ANS (D)
118. Inflation has become major area of concern in India these days. What measures do the Govt. pf
India / RBI normally take to control the same?
(1) Fixation of Maximum Price of the Commodities
(2) System of Dual prices.
(3) Increased in supply of food grains.
(4) Control on credit and liquidity in market.
(A) Only 1
(B) Only 2

(C) Only 3
(D) Only 2,3 & 4
(E) All 1,2,3 & 4
ANS (D)
119. How much edcation cess is being levied on all the taxes to support elementary education for the
children of age group of 6-14 years under Sarva Shiksha Abhiyan (SSA)?
(A) 0.50%
(B) 0.75%
(C) 1.00%
(D) 1.5O%
(E) 2.00%
ANS (E)
120. Which of the following is / are correct about various concessions given in the Union Budget for
2008-09?
(1) Five years tax holidays for setting up hospitals in Tier II & Tier III regions for providing health care
in rural areas.
(2) Commodities tax transaction to be introduced.
(3) Banking cash transaction tax withdrawn.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 2 & 3
(E) All 1,2 & 3
ANS (E)
121. Which of the following statements reflects the aim (s) Jawaharlal Nehru National Urban Renewal
Mission (JNNURM)?
(1) Give focused attention to integrated development of infrastructure in selected cities.
(2) Provide basic services to the urban poors
(3) Scale up civic amenities and provision of utilities in urban areas.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1,2 & 3
(E) None of these
ANS (D)
122. The Press Freedom Day is observed on which of the following days?
(A) 1st May
(B) 1st June
(C) 3rd May
(D) 3rd June
(E) 10th June
ANS (C)
123. As per the decision taken by the Govt. of India now the National Rural Employment Guarantee
Act is extended to all the districts of India. This means it will now be applicable to about(A) 200 districts
(B) 300 districts
(C) 400 districts
(D) 500 districts
(E) 600 districts
ANS (E)
124. As per the reports published by the Ministry of Finance recently the overseas borrowings by the
Corporates and currency fluctuation has gone up by which of the following percentage points? About
(A) 1%
(B) 2%
(C) 3%
(D) 4%

(E) 5%
ANS (C)
125. The Govt. of India and Reserve Bank of India is planning to set up an autonomous ATM
corporation of India in which various banks can get together for common ATM operations. If this
happens how will we all be benefited by the same?
(1) It will be a cost effective measure as each bank can share its operational cost with others.
(2) Clients can withdrawn money from any ATM from any location. They are not required to go to
their banks ATM only.
(3) It will indirectly help the IT business also as India has a large pool of IT skilled manpower waiting
for suitable placement.
(A) Only 1
(B) Only 2
(C) Both 1 & 2
(D) All 1,2 & 3
(E) None of these
ANS (C)

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