3034CZ Nov 2011

COMPETITIVE ZEAL
1 | COMPETITIVE ZEAL | NOVEMBER 2011
COMPETITIVE ZEAL
COMPETITIVE ZEAL
First Page
CONTENTS
TEAM WORK a challenge for a group leader More Banking More Development Unrest in LIBYA An End of a Cruel Dictator News Watch Banking Nuggets Do You Know?? 2 4 5 7 9 12
FIRST PAGE
Competitive Zeal for Latest Update
Dear Readers, It gives us immense pleasure and a great sense of satisfaction in presenting you the first issue of Competitive Zeal . It is due to painstaking efforts of Worthy Directors Ajay Singh, Rahul Dev and Rajeev Kumar, our esteemed faculty members, and staff of Institute for Banking Education Services Pvt. Ltd. popularly known as I.B.S. - with highest selection rate in North India. This magazine will directly serve the purpose of sensitizing our students/readers to better understand the new trends and challenges of world of economy and needs of changing human society. With opening of economy there has been considerably shift in the approach of both manufacturing and services industries as now the focus is being laid on introduction of technology driven products, integrated risk management efficiency and customer services etc. This all gives a good opportunity for the young competitors in the job market. The sole aim of this magazine is to help our readers in their Endeavour to achieve the bright future. We believe in the capability or capacities of our readers/students who are nurturing their goals and dreams. Competitive Zeal will give you the best guidance and reading material including news watch, articles, essays, important bank terminology, quiz, important papers from a competitive examination with relevant hints and most uniquely the experiences of students in the interviews which will help you to frame your interview answers. The whole of the information will be helpful in maintaining the unique quality of the magazine. Here we may also welcome the suggestions from our readers regarding their demands and needs for making our future issues more need based. Best wishes for your brilliant success and bright future.
Test your Knowledge an exercise 15 Quiz Test Series CWE P.O. (September-2011) Logical Reasoning Skills Word Teams Few Tips On Quantitative Skills Computer Awareness Personal Interviews 16 32 60 59 62 62 64
Competitive ZEAL Editor Rahul Dev Associate Editor Jiwan Kumar Bansal Advisors Ajay Singh Guleria Rajeev Kumar
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JIWAN BANSAL ASSOCIATE EDITOR COMPETITIVE ZEAL

COMPETITIVE ZEAL
TEAM WORK a challenge for a group leader

In the mid 1960s, Team Building emerged as a popular tool for work place management. The concept emerged because of an awareness of certain ideas 1. Involvement is a pre-condition to commitment. 2. Managers should act like team leaders and coaches, meaning thereby that Management should have facilitating role rather than directing role. 3. Working groups have necessary capacity to cope with their own problems provided they are aware of their capacity and problems. The institutions are created generally with certain objective such as producing and marketing goods, collecting and investing money, disseminating knowledge & skill, caring for the sick. Infact a team is created out of necessity, the necessity to perform the task of the institution. For example when one starts a small retail shop as a single person enterprise, he desires to expand it for making profit. For this he needs the people to engage with the tasks to the realization of objectives. The moment a second person is added to the enterprise, a team has been started. A team is capable of accomplishing much more than the total sum of what members are capable of accomplishing individually. Thus the teams are an effective means for management to democratize their organization and increase employee motivation. The successful manager achieves goal through his subordinates. This success depends on their productivity and motivation & their willingness to work together effectively as a team. How to build & motivate a team are the main jobs of a manager.
What is an effective team

In an effective team the group and its goal take precedence over the performance of any member. There should be a minimum of conflict, feuding, jealousy and personal aggrandizements etc. as these all can obstruct progress. Team members support each other especially when one member runs into a difficulty. They are receptive to new ideas. And they communicate well among themselves. The effective team honors the Individualism of its members but act as a unit. Each member contributes his knowledge to the overall efforts. Sharing of their view & experience also helps them improve their views. It brings out more of their latent abilities & provide an atmosphere for continuing growth & development. The effective team constantly tries to improve & updates their methods & members of the team feel competitive with other departments & organizations.
Difference between Groups & Teams

Broadly speaking the Group may be of two or more individuals (interacting and interdependent) who have come together to achieve particular objectives. On the other hand a WORK TEAM generates positive synergy through coordinated efforts. Their individual efforts results in a level of performance that is greater than the sum total of those individual inputs. The teams may create potential for an organization to generate greater outputs with no increase in inputs. Thus Group is quit different from T9999eam. But a group can be transformed or developed into a team when the individuals in a group have a common aim and in which the jobs and skills of each member fit in well with those of others.
Developing Loyalty
Merely calling a group - team does not automatically increase its performance. For building an effective team it is necessary to understand that a team grows from one person leader who needs to shift the centre from himself to the cooperative efforts of the team. It can be said that team work is no accident; it is the byproduct of a good leadership. A team is made up of individuals with a variety of temperaments, skills, talents, backgrounds & ways of approaching problems. If the Manager (leader of a team /group) fails to take these differences into account, members may pull in different directions. But if he manages to pull them together, he will have smooth functioning. For achieving this, a lot of understanding of what builds an effective team and what impedes it, is required. The loyalty cannot be based on gratitude or compulsion. It can be developed day by day & give and take. The manager who finds his people short on loyalty ought to ask himself what I have done to earn their loyalty. Loyalty is two way street. If a manager requires the response of his people beyond the line of duty, his people should also believe that their boss will also go beyond the line of the duty on their behalf. In fact the manager of an effective team is more oriented towards his group than towards upper management. He refrains from playing politics and motivates the people to play their role effectively in group - team.
COMPETITIVE ZEAL Basics of team improvement
The manger must constantly face questions of how the team can be made more efficient and effective. There is always a room for improvement. The manager has to analyze his operations and problems and pin point the weak points in his teams performance. The manager must analyze the strengths, weaknesses, motives, needs and goals of each of his subordinates. Conflict arises when subordinate has an image of himself, his role, his responsibility while his manager thinks differently of him. Here the manager is required to bring these images into clearer focuses because the manager if provides them with right kind of motivation, the individuals can quickly learn new roles. The manager may help his people to recognize their ability to shift roles when situation actually demands major changes. Here we may take examples of union leaders/activists when they are promoted to supervisory positions, their attitude changes within six months. But when these union leaders are demoted due to certain economic difficulties these demoted supervisors acquire their pro union attitudes. Here we may also quote the experiment done by Stanford University's Psychologist Zimbardo.
Zimbardo's prison experiment

Zimbardo is a world renowned psychologist from Stanford University. He hired, at 15 a day, two dozen emotionally stable, physically healthy, law abiding students on extensive personality tests. He randomly assigned them role of either guard or prisoner and establish some basic rules. To give the experiment a realistic start the professor got the help of local police and got these students (doing the roles of prisoner) arrested from their respected places in an unannounced manner. For this two weeks experiment, the individual with assigned roles of guards were not given any training but they have to maintain law and order in prison without any physical violence. They have to work for 8 hours shift. The said mock prisoners had to keep in their cells round the clock and were allowed out only for meals, exercise and toilet privileges. To simulate the prison realities, the prisoners were having occasional visits of their parents/relatives. It took the mock prisoners to accept the authority of mock guards and the mock guards to adjust to their new roles. Soon the prisoners became increasingly passive and started behaving like actual prisoners while cleaning out their toilets and tolerating the bad behavior of the mock guards. On the other hand the guard started behaving like real guards, reminding the prisoner, as if they were actually inferior. Surprisingly no mock prisoner said that Stop this; I am a student like you. This is just an experiment. Simply speaking we may conclude from this experiment that the people if given chance have the natural capacity to assume those roles which are otherwise very different from their personalities. The managers should believe their team member's inherent qualities. Common Purpose For welding together individual team members, the manager use applied synergistic approach. He should develop the sense of common purpose among them & convince them that their cooperative actions contribute to a total effect which is greater than their independent contribution. The managers must recognize that some are real achieves and innovators and others are effective implementers. Work should be organized accordingly. The effective manager is sensitive to the influences his people have on one another. In addition to, gaining an insight into subordinates inter-relations, he must be aware of their informal clique patterns, special friendship status patterns, personality conflicts. This would help him in preventing the formation of competitive subgroups or avoiding the attempted cooperation between incompatible subordinates. Under the circumstances, he may take necessary steps for arranging conditions in which team members can improve their work by being cooperative with each other. Here we may take an example of Wipro Technologies. They arrange Meet your people programme regularly throughout the year for helping managers to have Business Strategy Meetings, goals objectives and career discussions, social events etc. The company has also War room which becomes a necessity when large teams which are geographically different, need to collaborate on a real time basis to discuss number of issues for achieving the goal. In emphasizing a common purpose, the manager should define the purpose of his unit, department or the company as a whole. For participatory decision making, the manager should invite his team members to participate in the genuine decision making process. As the team member would resent the involvement in trivial or unimportant issues. Further this would be utterly wrong to call the group members for Democratic group discussion on such issues which have already been decided by the seniors or the top management. Further it is very much necessary for an effective team manager to do some soul searching periodically about whether he is providing the climate which promotes team integration and team spirit. This would give new confidence to the manager to handle a number of challenges before him to build a better team.
COMPETITIVE ZEAL
More Banking More Development
More Banking More Development

BANKING means the business of a bank or banker. It is essentially a craft based on methodology and practices. We have moved a long way from the time when a bank was a mere deposit taking and money lending institution, veiled in conservatism and managed by people whose aim was maximum profits with minimum risks. A banker then was a fair-weather friend, lending an umbrella on sunny days and withdrawing it when it rained. Banking in India has had a thorough shake-up in the 50s, particularly with the conversion of the Imperial Bank of India into the State Bank of India. The old concepts, attitudes and methods in banking have yielded place to new techniques of viability, need-based finance and marketing. Today banks are participating in the nation-building activities and helping in bringing about socio-economic changes. Banking system has occupied an important place in our nations economy. A banking institution is indispensible in a modern society. It plays a pivotal role in the economic development of a country and forms the core of the money market in an advanced country. In the past several decades there were Commercial Banks and Co-Operative Banks, then in the middle of seventies Regional Rural Banks came into existence, the expansion of banks in such a way has organized the money market in rural areas as well. Earlier, people used to borrow money from Zamindars and then these Zamindars used to take handsome money from them and charged too much interest. Inspite of their whole life labour, they were unable to pay it. As a result these Zamindars occupy their lands, property, jewellary etc. and always try to cheat them in a way they can. But with the introduction of banking the situation was under control. With this poor, rich, daily labours started saving money and then soon the scheme of taking of loans was started, which proved a great boon for farmers. From this very beginning, today our farmers have much freedom to use banks that they can fulfill their needs. These banks are always there to provide them their maximum support and guidance. They provide them loans to get technologitally advanced machines, fertilizers and many more facilities. For financing agriculture and allied activities in the rural areas, though co-operative credit societies and Central Co-operative Banks have been participating since long, Commercial Banks began their active participation after the nationalization of major banks in 1969. The banks have penetrated into the country side by opening their branches in rural and semi-urban areas. They have adapted their lending policies and practices to suit the needs of the rural clientele, the motivational force behind this transition has been the Reserve Bank of India and the government which provided them the operational guidelines, introduced the system of institutional guarantees and reduced the risks involved in financing agriculture. A farmer needs short term credit in the form of crop loans to purchase seeds, fertilizers and pesticides and also to meet the labour cost, irrigation and other expenses of cultivation. Normally, they are repayable within 12 months but for the convenience of farmers it may be extended up to 18 months. Banks, as social organization, have to go out to the people and assist weaker sections in achieving their aspirations. They are thus, to act as catalytic agents for the development of the country. New strategies have been evolved for industrial development, both in small-scale and large-scale sectors and term lending has also been taken up by commercial banks. As our country falls in the category of developing countries, the banks are playing a vital role to make it a developed nation. These banks are not only benefitting small-scale and largescale sectors but providing a guarantee of bright future to our younger generation as they are the future of the country. They provide loans to the students for pursuing graduate and postgraduate studies, for professional courses or job-oriented diploma courses in India or for higher education abroad. Banks are also providing housing loans in direct or indirect way. It is providing direct housing loans to scheduled castes/tribes and other economically weaker sections of the society. In the present scenario, the world is changing with a great speed so is the introduction of new schemes in banking. We have ATMs at every corner of our country, we have credit cards, debit cards, anyway banking, bancassurance etc. All this has made life better and comfortable. Now, we have online banking. Despite all the advantages of convenience, speed and time savings, less than 10% of approximately 47 million bank customers in India have subscribed to net banking. Phone banking is the other popular self banking channel today. Branchless banking is much more than banking as you can bank with much less effort and cost. Banks are emerging as financial superstars offering everything from insurance to mutual funds. They are no longer mere wealth accumulators or custodians; they now help in wealth creation and wealth management. But most customers wish to maintain a traditional banking relationship so banks cant shed existing infrastructure in a hurry. We are passing through a very competitive banking era. Customer satisfaction is must. To meet the competition, the banks have taken many initiatives including projects for implementation of core banking solutions for providing Anytime Anywhere Banking. CBS gives us the capability to provide value added services to customers across multiple delivery platforms through integration of channels. The Banking services including ATM service, credit cards, debit cards, etc. have become more popular among common man. Now, more and more people are becoming the customers of banks. Now a common man can save money, can avail different loan policies for secured future, as he can start his own business with the help of loans. Even students can get their own account to save their own money from their pocket money. Banks are infact an indispensible part of our efforts to build India a strong country. So, India will prosper with the development of mass banking. With more effective and inclusive banking in India there will be more and more development and economic growth.
COMPETITIVE ZEAL
Unrest in LIBYA An End of a Cruel Dictator

The History of Libya includes the history of its rich mix of ethnic groups added to the indigenous Berber tribes. Berbers, the bulk of Libyas population, have present throughout the entire history of the country. For most of its history, Libya has been subjected to varying degrees of foreign control, from Europe, Asia, and Africa. The modern history of independent Libya began in 1951. The history of Libya comprises six distinct periods: Ancient Libya, the Roman era, the Islamic era, Ottoman rule, Italian rule, and the Modern era.
Independent Libya
Prior to World War II Libya had been a colony of Italy until Italian forces were driven out by the Allies in 1943. Libya came under the control of France and the United Kingdom as a UN Trusteeship in 1947 when Italy formally relinquished its claim to Libya. As part of the arrangement the United Kingdom and France governed the three historical regions of Libya Tripolitania, Cyrenaica and Fezzan. The UK was responsible for Tripolitania and Cyrenaica and France was responsible for Fezzan. On 21st November 1949, the UN General Assembly passed a resolution that Libya should become independent before 1st January 1952.
Kingdom of Libya (1951-1969)

On December 1951, Libya declared its independence with representatives from Cyrenaica, Tripolitania and Fezzan declaring a union with the country being called the three states of Cyrenaica, Tripolitania and Fezzan having autonomy. The kingdom also had three capital cities: Tripoli, Benghazi and Bayda. Two years after independence, on 28th March 1953, Libya joined the Arab League. When Libya declared its independence on 24th December 1951 it was the first country to achieve independence through the United Nations and one of the first former European possessions in Africa to gain independence. The kingdom of Libya was proclaimed a constitutional and a hereditary monarchy and Idris was proclaimed king. Previously, the USSR had sought a Mandate over Libya following the end of World War II. Following independence Libya faced a number of problems. There were no colleges in the country and just sixteen college graduates. Also the country had just three lawyers with not a single Libyanphysician, engineer, surveyor or pharmacist in the kingdom. It was also estimated that only 250,000 Libyans were literate and that 5% of the population was blind, with eye diseases such as trachoma widespread. In light of these Britain provided a number of civil servants to staff the government. In April 1955, oil exploration started in the kingdom with its first oil fields being discovered in 1959. The first exports began in 1963 with the discovery of oil the Libyan economy drastically improved. But popular resentment grew as wealth was increasingly concentrated in the hands of the elite. On 25th April 1963, the federal system of government was abolished and in line with this the name of the country was changed to the kingdom of Libya to reflect the constitutional changes. As was the case with other Africa nations following independence, the remaining Italian settlers in Libya held many of the best jobs, Owned the best farmland and ran the most successful businesses. The monarcy came to an end on 1st September 1969 when a group of military officers led by Muammar al Gaddafi staged a coup d etat against king Idris while he was in Turkey for medical treatment. The revolutionaries arrested the army chief of staff and the head of security in the kingdom. After hearing about the coup, King Idris dismissed it as unimportant while it was initially reported (falsely) that the Crown Prince Hasan had announced his support for the new regime.Following the overthrow of the monarchy the country was renamed the Libyan Arab Republic. In 1977, Gaddafi renamed the state to Jamahiriya, a neologism translating to state of the masses. Gaddafi styled himself Leader and Guide of the Revolution of Libya. Gaddafi also styled himself as an advocate of Pan-Africanism, and was active in the establishment of the African Union in 2001. He used to give himself titles such as king of kings, leader of the Arab leaders and imam of the Muslims (at the 2009 Arab League Summit). Gaddafi stepped down as General Secretary of the General Peoples Committee in 1977, being succeeded by Abdul Ati al-Obeidi.
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However, he remained in autocratic control of the country as de-facto dictator, as he retained full control over the Libyan Armed Forces. Gaddafi undertook a number of military adventures during the 1970s to 1980s, including the Chadian-Libyan conflict, the LibyanEgyptian War and the Gulf of Sidra incident (1981). He introduced the Islamic Legion in 1972, a Libyan-sponsored pan-Arab paramilitary force by means of which Gaddafi aspired to establish a Great Islamic State of the Sahel. His open endorsement of terrorism led to the Reagan administration declaring Libya a state sponsor of terrorism on December 29, 1979, and eventually culminated in the 1986 US Bombing of Libya. The 1986 bombing of Libya was a turning-point in Gaddafis approach to the foreign relations of Libya. Gaddafi stopped endorsing terrorist attacks on western countries, and while his behavior remained extremely erratic, occasionally provoking international incidents such as the HIV trial in Libya and the Swiss-Libya diplomatic crisis, Gaddafi proved himself an erratic, provocative dictator causing great harm to his own people and country.
2011 Civil War

In February 2011, anti-government mass protests sprang up against Gaddafi in Benghazi and other towns of Libya, in the context of the wider Arab Spring. On 18th February demonstrators took control of Benghazi, the second largest city of Libya, with some support from police and military units. In reaction the government sent elite troops, which were resisted by Benghazis inhabitants and mutineering members of the military. In Benghazi, during the course of four separate protests that took place on 20th February, more than 200 people have died. The New York Times reported that the crackdown in Libya has proven the bloodiest of the recent government actions. On March 10, 2011 France became the first nation to recognize the National Transition Council of the anti-government rebels as the sole Representative of Libya. An Elysee source also announced that France plans to send an ambassador to Benghazi. Nations who recognize the Council as the government of Libya may not have to go through the process of obtaining UN security councils approval to establish a No-fly zone if the Council requests one, as this could count as a friendly request. On March 17, 2011 the United Nations Security Council passed Resolution 1973 with a 10-0 vote and five abstentions. The resolution sanctioned the establishment a no-fly zone and the use of all means necessary to protect civilians within Libya. Shortly afterwards, Libyan Foreign Minister Moussa Koussa stated that Libya has decided an immediate ceasefire and an immediate halt to all military operations. However, attacks against insurgent strongholds appear to have continued despite this claim. On March 19, 2011 the first Allied act to secure the no-fly zone began when French military jets entered Libyan airspace on a reconnaissance mission heralding attacks on enemy targets. Allied military action to enforce the ceasefire commenced the same day when a French aircraft opened fire and destroyed a vehicle on the ground. French jets also destroyed five tanks belonging to the Gaddafi regime. The United States and United kingdom launched attacks on over 20integrated air defense systems using more that 110 Tomahawk cruise missiles during operations Odyssey Dawn and Ellamy. On June 27, 2011 the International Criminal Court issued an arrest warrant for Gaddafi, alleging that Gaddafi had been personally involved in planning and implementing a policy of widespread and systematic attacks against civilians and demonstrators and dissidents. On 1st July 2011, 1.7 million people assembled in Green Square Tripoli to show defiance against the NATO bombings of Libya. By August 22, 2011 rebel fighters had entered Tripoli and taken Martyrs Square. Meanwhile, Gaddafi asserted that he was still in Libya and would not concede power to the rebels. On October 20, 2011 NTC forces captured Sirte, and in the process captured, and killed Muammar Gaddafi in Sirte. Now NATOs declaration to close down their mission at the end of October 2011 is really significant. But the coming months may see battles in Libya between factions with different views of what role religion should play in government as well as between different regional, local and ethnic groups. These may eventually be over come but not without significant instability. Undoubtedly the role of Americans with their strategic interest in this region is more important to be watched.
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News Watch
NEWS WATCH
National/International
Food inflation climbed to a six months high of 12.21% Food inflation now touches 12.21% from 10.60 % as reported earlier. The current period has witnessed a broad size increase in prices of vegetable & fruits & protein based items such as eggs, meat & fish. Crisil chief economist D.K Joshi views that such sharp increase in food inflation is quite worrying as the food prices have not been moderated despite a normal monsoon and good harvest. However Govt. is showing confidence that food inflation would moderate in the coming month on account of good monsoon. Does your tendency to be happy or miserable primarily concern your DNA We know that many factors govern whether we are happy or unhappy. In this context the external circumstances are definitely important. But a group of scientists from University College London; Harvard Medical school; University of California San Diego; and University of Zurich have different opinion. They conclude that variation in peoples happiness is heritable. The happiness may effect in ones DNA though the different races may have different propensities for it. The story becomes little controversial when ethnic origins of the volunteers are taken into account. However the studies comparing identical with non identical twins have helped to establish the heritability of many aspects of behavior and examination of DNA has uncovered some of the genes responsible for that. Recent work on both these fronts suggests that happiness is heritable but further studies in the area of genetic determinism is still required to reach the truth. The interest in the study of happiness not only among the geneticists but also among the economist and policy makers is well growing for measuring the human happiness in the terms of human's achievements. End of an erratic, provocative dictator of Libya Col. Moammar Gaddafi, the former Libyan erratic, provocative dictator who fled into hiding after rebels toppled his regime two months ago was killed on Oct 20, 2011 in Sirte, his home town. NATO claims, it marks the end of a successful mission as the west chose to intervene militarily on the pretex of protecting civilians from the internal unrest of that country. It was also been reported in world media that Gaddaffi was first captured alive but wounded and bloody. Later on he was dragged around by armed man in Sirte. Aljazeera showed gruesome footage of Gaddaffi's half naked corpse with lifeless open eyes and an apparent gunshot wound to the side of the head. This was a violent end of a ruthless and bombastic aristocrat who ruled Libya for 42 years as a self styled king of kings of Africa. Now real challenge before oil rich Libya is to avert chaos & establish a rule of law. Noble Peace Prize for 2011 The noble peace prize for 2011 has been won by three women namely Ellen Johnson Sirleaf, Leymah Gbowee (both of them Liberian) and Tawakkul Karman of Yemen for their moral & physical courage in situation of war and state violence. Ellen Johnson Sirleaf, an economist has survived imprisonment and a rape attempt during the brutal regime of Samuel Doe. She went on to win the Liberian presidency in 2004, becoming Africa's first elected women head of the state. She immediately started rebuilding a shattered country. The second winner Leymah Gbowee is a social worker turned activist. The third winner Tawakkul Karman of Yemen , a journalist activist has campaigned for women's right in a conservative society. She became an iconic figure in her country's protest, which has resulted in the dictator - Ali Abdulla Saleh announcing his departure. Women Laureates have been rarity in the history of noble prize. As only 15 women including these three have won the peace prize in 110 years. Rating of SBI by Moody's Investor Services The downgrade of State Bank Of India in the terms of rating of credit worthiness by Moody's investor services - cut the rating on SBI's financial strength to D plus from C minus reflect on the Bank's Capital Adequacy and also on deteriorating asset quality. The downgrading will indeed affect SBI's standing in global financial markets. But 95% business of SBI is within India so there will be a Ripple Effect as the higher cost of new foreign currency loans trickle down to the domestic sector. SBI will be able to provide foreign currency support to its clients at competitive rates. SBI is the largest commercial bank of the country. Britain tightens immigration policy The British government is considering to introduce stricter tests for marriage visas, aimed at weeding out immigrants who
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News Watch
conduct sham weddings to win access to united kingdom. In order to tighten the immigration policy there is a move to criminalize the act of forcing someone into marriage. Currently, a potential victim can apply to a civil court for a protection order and any one breaching that order can be jailed for 2 years.
Urban Children & Slum Slums in India - a statistical compendium 2011 published by the union govt. of India says that every eighth urban child in India lives in slum. About 7.6 million children are living in slums in India and they constitute 13.1% of total child population of urban areas of 26 States/ UT's reporting slums. The Chandigarh has the highest proportion of slum child population as a whopping 20.9% proportion of 0-6 age group population stays in slum. The picture is dismal in case of atleast 23 states where more than 10% of child population stays in slum. Maharashtra has the highest slum child population with around 1.7 million children (between 0-6 years) staying in slums. International Year of the Bat Though 2011 is the international year of the Bat but we do not know much about bats. The bats have been around for over 15 million years and are found through out the world except in Arctic, the Antarctic and some isolated islands. It may be of interest that among nearly 1000 species of bats in the world, 123 species are found in South Asia. Bats are important to the forest as they pollinate and disperse seeds. Bats eat harmful insects and rats thereby help us. In total darkness bats can detect everything by eco location even objects as thin as human hair. Bats are not a bad omen, in some parts of Asia and Europe they are considered lucky. These nocturnal creatures are much needed for eco system. No pre payment charges on floating loans if it is preclosed - National Housing Bank In order to give relief to home loan borrowers, regulator National Housing Bank has now asked the Housing Finance Companies (HFC's) to scrap penality on pre payment of floating loans. Now Housing Finance Companies should not levy pre payment charges on floating loans if it is pre-closed by the customers through their own sources. Banks however, have no such restrictions as they fall within the regulatory ambit of the RBI. The RBI is yet to come out with clear guidelines on pre-payment penalty. The election commission will now recognize parties with 8% votes The election commission has decided to hence forth recognize such state parties that get more than 8% of the total votes polled irrespective of the number of seats they get. The commission will now give recognition to a political party on the basis of the total number of the votes polled and not on the numbers of the seats it gets. Earlier as per guidelines of the commission a political party in a state got recognized after getting 6% votes and in addition, winning some seats. Sale of property through Power of Attorney not valid The Supreme Court of India has decided that sale of immoveable property through Sale Aggrement/General Power of Attorney/ Will not be valid. The court said that the description of SA/GPA/Will are misnomers as there cannot be a sale by execution of Power of Attorney nor can there be a transfer by execution of an Agreement of Sale and a Power of Attorney and Will. The court also said that this judgement would not affect the validity of the Sale Agreement and Power of Attorney in genuine transanctions i.e. a person giving GPA to his spouse, son, daughter, brother, sister or relative to manage his affairs to execute deed of conveyance. India has become the sixth highest contributor to global increase Global Wealth Report realised by Credit Suisse says that India has become the sixth highest contributor to global wealth increase. In 2011 Indias total wealth rose by 1.3 trillion to to 4.1 trillion and in five years is projected to double this figure to 8.9 trillion. This is equivalent to growth in wealth in the United States in three decades between 1916-1946. Total global wealth has increased 14% to 231 trillion in June 2011 from 203 trillion in January 2010. Emerging markets remain the main wealth growth engines. In the next five year the global wealth is expected to rise by 15% to 345 trillion. The report has found that 43% of adults have wealth below 1000 per adult well above the worlds average of 27%. At the opposite of end of scale 0.4% has wealth over 1 lac per adult. In 2011 India's millionaire club witness a size of 34000 new members and now it stands at 2,04,000. By 2016, that number is expected to grow 150% to 510000. The report further says that even as the ranks of middle class and wealthy are swelling, there continues to remain significant wealth disparity.
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Banking Nuggets
Banking Nuggets
Assets Everything, tangible or intangible, owned by an enterprise, which has monetary value is an asset. Assets, can be, broadly, classified as fixed, current and quick/ liquid assets. (I) Fixed Assets Fixed assets are those assets which are owned and held by an enterprise for use over a period of time and not for sale or for converting into cash. Fixed assets denote capital assets. Examples: land, building, plant & machinery, tools etc. (II) Current Assets Current Assets are those which are used up in the operating cycle of a business and keeps on circulating from cash to assets and again assets to cash. Currents assets include raw materials, work-in-progress, finished goods, customers account cash etc. (III) Quick/Liquid Assets It includes that part of current assets which are in the form of cash or which are convertible into cash within a very short period of time i.e. cash, marketable securities. Balance Sheet A Balance Sheet is a statement of what a company owes and what it owns on a particular date. What it owes are called Liabilities; and what it owns are called assets. Balance Sheet shows the financial position as on a specified date i.e., sources from which funds have been derived and how the same have been invested in the enterprise. It represents all the assets owned by the business on the given date and the claims (or equities) of the owners and outsiders against those assets on that date. Bank Rate It is the rate of interest at which the Reserve Bank of India (RBI) lends or rediscounts eligible bills of the scheduled commercial banks. Book-Debts Book-Debts are the debts owing to a business undertaking and arise primarily out of sale of merchandise to the customers on credit. This term is usually shown as "Sundry Debtors" on the assets side of the balance sheet. Bonus Shares All prudent companies build up reserves for the purpose of expansion and for building up financial strength. Later, however, to satisfy shareholders and to portray a realistic relation between capital and profits earned, a company may issue shares to the existing shareholders in proportion to the shares held by them. Such shares are known as Bonus Shares. Issue of Bonus Shares has to be in conformity with the Guidelines issued by the Government/SEBI. Break-Even Point A Break-Even Point of a business enterprise is the level of output or sales at which there is neither profit nor loss. The BreakEven Point can also be defined in terms of physical units produced, or level of plant capacity utilization at which sales revenue and product costs match each other. A business earns profit if it operates at a higher level than the Break-Even Level. Bridge Loan Disbursement of term loans sanctioned by financial institutions/ banks is sometimes delayed on account of non-completion of certain legal formalities by the borrowing concern or due to other reasons. These delays hamper the implementation of a project and the borrowers generally approach the Institutions for grant of interim finance which is called Bridge Loan. Buyers Credit Financial arrangement in which a bank/institution makes a term loan directly to the purchaser to be used to purchase specific capital goods either within or outside the country. Disbursement may go either directly to the supplier or to reimburse the buyer for payments already made to the supplier. Capital The word "Capital" is generally used in the following ways: (1) Share Capital The share capital is the capital of a company (or corporate body) which is raised by way of selling small identical units (known as shares) to large number of investing public. Those who purchase shares are called shareholders and they are the actual owners of the company (or corporate body) and the capital raised in this way is called share capital. These are of two categories viz.: (a) Equity Share Capital; and (b) Preference Share Capital. (a) Equity Share Capital The Equity Share Capital is the capital raised from Equity shareholders who are the real risk takers of success or failure of the company. In fact, Equity Shareholders are the true owners of the company. They have the right of voting in the General Meeting of the Company. At the time of distribution of dividend or return of capital in the event of winding up of the company, Equity Shareholders get their due only after the Preference Share Holders dues have been met. (b) Preference Share Capital The Capital raised from preference share holders is called Preference Share Capital. The Preference Shareholders have the preferential right over equity shareholders in the payment of dividend at a fixed rate and in the return of capital in the event of winding up of the company. Normally,
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Preference Shareholders do not have any voting right except in respect of the resolutions which directly affect their interest or in the case of cumulative preference shares where the dividend remains unpaid for not less than two years preceding the date of announcement of the shareholders' meeting. At present Preference Shares are generally cumulative in respect of dividend and are redeemable in relating to capital between 12 and 15 years of their issue. (II) Authorised Capital Authorized Capital is the amount of Share Capital with which a company/society is registered and to the extent of which it is permitted to raise funds from the shareholders. It is the amount of money which an enterprise is allowed to obtain by way or issuing or selling its own stock. It sets a limit to the extent to which a company can seek by way of issue of shares. (III) Issued Capital Issued Capital is the amount of Share Capital offered for subscription out of the authorized Share Capital. It cannot exceed the authorized Share Capital. Capital Goods Clearance Capital Goods Clearance signifies preliminary approval by Govt. of India for import of Capital Goods in the country. CG Clearance are given by Capital Goods Committee in the Ministry of Industry. A CG Clearance, apart from specifying the nature, type and source of supply of goods, also specifies the source of financing the import. Import licence is granted only after CG Clearance has been issued. C&F (Cost & Freight) Under a C&F contract, the price quoted by the seller includes expenses of loading the goods on board of ship including the freight charges upto the port of destination. The purchaser has to pay the marine insurance charges. Calls-In-Arrears The amounts due from but not paid by the shareholders within the stipulated time on various calls made out of the subscribed capital of a company are known as Calls-In-Arrears. Capital Market The Market in which long-term financial instruments, such as equities and bonds, are raised and traded. Cash Credit Facility The Cash Credit Facility is a working capital facility arrangement by which the drawings are allowed by banks against security of stocks/merchandise and a borrower can operate this account within the limit fixed as per terms of standard or drawing power whichever is lower. The borrower can deposit the money whenever he is in a position to do so to save the interest burden. This facility is ordinarily allowed against pledge, or hypothecation of goods, depending upon various factors - like
Banking Nuggets type of industry, nature of goods, offered' as security, availability of godown space, cost of material handling and creditworthiness of the borrower. Captial Reserve The Capital Reserve is created out of certain capital profits or surpluses such as amount of shares forfeited, premium on issue of shares, revaluation of assets etc. and is not available for distribution as dividend. C.I.F. (Cost, Insurance & Freight) When the contract price of merchandise, as agreed between seller and purchaser, is on CIF terms, it implies that the price includes cost of goods, insurance charges and freight charges up to the port of destination. The insurance and freight charges upto the port of destination are, therefore, paid by the seller. Commercial Bank A financial agency that accepts deposits of various types of maturities, provides short term and working capital finance and generally maintains a great part of its resources in liquid or near-liquid form. A Commercial Bank offers to customers facilities like use of cheques, availing overdrafts, discounting of bills of exchange, cash credits, etc. Of late, Commercial Banks in India have started giving term finance to industry, particularly to small scale units. Company The word 'Company' ordinarily means an association of a number of persons formed for some common purpose and incorporated under the Company Act, 1956 as a body corporate distinct from the individual members with a perpetual succession and a common seal. It may be categorised as under: (A) Banking Company Banking company means any company which transacts the business of Banking in India. (B) Government Company Government Company means any company in which not less than 51% of its paid up capital is held by the Central Govt. or by any State Govt. or Governments or partly by Central Government and partly by one or more State Governments including a Company which is a subsidiary of a Govt. Company. (C) Holding & Subsidiary Company A Company shall be deemed to be a holding company if it controls the composition of the Board of Directors of the other company or it holds more than half of the nominal value of the equity share capital of the company or controls more than half of the voting power of the other company which is deemed to be subsidiary of the former. (D) Private Company A private company is a company which by its Articles of Association: (I) Restricts the right to transfer its shares, if any,
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(II) Limits number of its members to fifty not including; (a) persons who are in the employment of the company, and (b) persons having been formerly in the employment of the company, were members or the company while in that employment and have continued to be members after the employment ceased; and Provided that where two or more persons hold one or more shares in a company jointly, they shall, for the purposes of this definition, be treated as a single member. (III) Prohibit any invitation to the public to subscribe for any shares or debentures of the company (E) Public Company Public company is a Corporate body registered under the Companies Act, 1956 where there is no upper limit on the number of shareholders and no restriction on transfer of shares. Concessional Finance Concessional Finance means concession or reduction in any one or more than one terms of financial assistance like concession in the rate of interest, longer initial grace period and extended amortization period (depending on the merits of each case), reduced margin of security, lower promoters' contribution, concession in service charges viz., commitment charges, underwriting commission, legal charges etc. Contingent Liability The Contingent Liability is one which becomes payable on happening or not happening of certain event. Such a liability is shown by way of a foot-note in the Balance Sheet. Conversion Clause In accordance with the guidelines formulated by the Govt. of India, All India Financial Institutions, stipulate a clause in the Loan Agreement for rupee loan under which they reserve the right to convert a portion of loan amount into equity capital of the borrower concerns. The objective of such a conversion right is to participate in the prosperity of successful projects which is achieved by timing the exercise of the conversion right in such a way so as to enable the shares to be sold at premium and/or earn good dividend. Co-Operative Sector Enterprises which are promoted by an association or group of persons on co-operative basis and registered under the cooperative Societies Act are deemed to be in the co-operative sector. Creditor A creditor is a person/party/concern to whom some money is owed. Deferred Payment Guarantee (DPG) Banks/Institutions give deferred payment guarantee on behalf of their customers in favour of the supplier to enable the former to acquire the capital goods on a deferred payment basis. Such guarantee can be issued by banks/institutions in respect of import of goods when deferred payment has been authorised
Banking Nuggets under the import licence. Depreciation It generally means a diminution in value or quality of assets due to use, wear and tear or effect of time. Normally depreciation is calculated only on fixed assets excluding land. It is generally calculated in two ways: (I) Written Down Value Method It denotes writing off on the value of the Fixed Assets at a fixed percentage on the diminishing balance as the opening date of the accounting year/period in respect of assets against in previous years and at a fixed percentage of the cost in respect of items acquired in the current year. (II) Straight Line Method Under this method, depreciation is calculated at a fixed percentage rate of the original cost of the fixed assets. Dividend It ordinarily means the portion of profit/surplus of the company that is distributed among the shareholders. Exchange Rate The rate at which a currency can be exchanged for another is called the exchange rate. For instance, if the rate of exchange between Indian Rupee and US$ is Rs. 100=$3.0, it means that 100 units of Indian Rupees are exchangeable for -3 units of US$ or vice versa. Dealers in Foreign Exchange quote the rate of exchange. Every quotation, inter-alia, contains two rates-buying rate and selling rate. Buying rate means the rate in which the bank would buy foreign currency from the customers in exchange of rupee and selling rate means the rate at which the bank would part with foreign currency against rupees. Exchanges rates can be quoted as follows: (I) Spot Rate The Rate of Exchange applicable to spot/ready exchange transaction. Under spot transaction, the Conversion/ Exchange of currency takes. place immediately on the spot or on the same date. (II) Forward Rate Rate of Exchange applicable to future exchange transaction. Under above transaction conversion/exchange of currencies takes place at some future date at an agreed rate of exchange fixed in advance. (III) Cross Rate The Rate of Exchange provided by comparison of quotation for any two currencies in terms of a third currency is known as "Cross Rate" or Arbitrated Rate of Exchange. Exchange Risk Exchange Risk arises due to fluctuations in the rates of exchange. Exchange risks for short periods can in many cases be covered by forward Exchange Contract. Forward Contract An agreement to purchase or sell on a future date a fixed amount of commodities or securities at a present price.
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Do You Know??
Do You Know??
1. What is Balance of Trade? The value of a country's exports minus the value of its imports. Unless specified as the balance of merchandise trade, it normally incorporates trade in services, including earnings (interest, dividends, etc.) on financial assets. What is Balanced Trade? When balance of trade equals to zero. (exports-imports = 0) What is Balance of merchandise trade? The value of a country's merchandise exports minus the value of its merchandise imports. What is a Favorable Balance of Trade? It is the difference between exports and imports. Debit items include imports, foreign aid, domestic spending abroad and domestic investments abroad. Credit items include exports, foreign spending in the domestic economy and foreign investments in the domestic economy. A country has a trade deficit if it imports more than it exports; the opposite scenario is a trade surplus. What is Balance of Payments? A list or accounting, of all of a country's international transactions for a given time period, usually one year. Payments into the country (receipts) are entered as positive numbers, called credits; payments out of the country (payments) are entered as negative numbers called debits. A single number summarizing all of a country's international transactions: the balance of payments surplus. What is Balance of payments adjustment mechanism? Any process, especially any automatic one, by which a country with a payments imbalance moves toward balance of payments equilibrium What is Monopolistic Competition? A market structure in which there are many sellers each producing a differentiated product. Each can set its own price and quantity, but is too small for that to matter for prices and quantities of other producers in the industry. What is MFN? MFN stands for Most Favored Nation. The principle, fundamental to the GATT, of treating imports from a country on the same basis as that given to the Most Favored other Nation. That is, and with some exceptions, every country gets the lowest tariff that any country gets, and reductions in tariffs to one country are provided also to others. 9. What is Gold Standard? A monetary system in which both the value of a unit of the currency and the quantity of it in circulation are specified in terms of gold. If two currencies are both on the gold standard, then the exchange rate between them is approximately determined by their two prices in terms of gold.
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10. What is Balance on capital account? A country's Receipts minus Payments for capital account transactions. 11. What is Balance on current account ? A country's receipts minus payments for current account transactions. Equals the balance of trade plus net inflows of transfer payments.
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12. What is a Balanced budget ? A government budget surplus that is zero, thus with net tax revenue equaling expenditure. A balanced budget change in policy or behavior is one in which a component of the government budget, usually taxes, is adjusted as necessary to maintain a balanced budget. 13. What is balanced growth of an Economy? Growth of an economy in which all aspects of it, especially factors of production, grow at the same rate. 14. What is a Bank rate The Interest Rate charged by a central bank to commercial banks for very short term loans. 15. What is a Repo? Repo is Repurchase Agreement. An agreement to sell a security for a specified price and to buy it back later at another specified price. A repo is essentially a secured loan. 16. What is Repo Rate? Whenever the banks have any shortage of funds they can borrow it from RBI. Repo rate is the rate at which our banks borrow rupees from RBI. A reduction in the Repo Rate will help banks to get money at a cheaper rate. When the Repo Rate increases borrowing from RBI becomes more expensive. 17. What is CRR Rate in India? Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with RBI. If RBI decides to increase the percent of this, the available amount with the banks comes down. RBI is using this method (increase of CRR rate), to drain out the excessive money from the banks.
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18. What is a Reverse Repo Rate? Reverse Repo rate is the rate at which Reserve Bank of India (RBI) borrows money from banks. Banks are always happy to lend money to RBI since their money are in safe hands with a good interest. An increase in Reverse repo rate can cause the banks to transfer more funds to RBI due to this attractive interest rates. It can cause the money to be drawn out of the banking system. Due to this fine tuning of RBI using its tools of CRR, Bank Rate, Repo Rate and Reverse Repo rate our banks adjust their lending or investment rates for common man. 19. What is SLR Rate? SLR (Statutory Liquidity Ratio) is the amount a commercial bank needs to maintain in the form of cash, or gold or govt. approved securities (Bonds) before providing credit to its customers. SLR rate is determined and maintained by the RBI (Reserve Bank of India) in order to control the expansion of bank credit. 20. How is SLR determined? SLR is determined as the percentage of total demand and percentage of Time Liabilities. Time Liabilities are the liabilities a commercial bank liable to pay to the customers on their anytime demand. . 21. What is the Need of SLR? With the SLR (Statutory Liquidity Ratio), the RBI can ensure the solvency a commercial bank. It is also helpful to control the expansion of Bank Credits. By changing the SLR rates, RBI can increase or decrease bank credit expansion. Also through SLR, RBI compels the commercial banks to invest in government securities like government bonds.. 22. What is the main use of SLR? SLR is used to control inflation and propel growth. Through SLR rate tuning the money supply in the system can be controlled efficiently. 23. What is Inflation in India? Increase in the overall price level of an economy, usually as measured by the CPI /WPI or by the implicit price deflator. Inflation is as an increase in the price of bunch of Goods and services that projects the Indian economy. An increase in inflation figures occurs when there is an increase in the average level of prices in Goods and services. Inflation happens when there are less Goods and more buyers, this will result in increase in the price of Goods, since there is more demand and less supply of the goods. 24. What is Deflation? A fall in the general level of prices. Unlikely unless the
Do You Know?? rate of inflation is already low, it may then be due to either to a surge in productivity or, less favorably, to a recession. Deflation is the continuous decrease in prices of goods and services. Deflation occurs when the inflation rate becomes negative (below zero) and stays there for a longer period. 25. What is a Barter economy? An economic model of international trade in which goods are exchanged for goods without the existence of money. Most theoretical trade models take this form in order to abstract from macroeconomic and monetary considerations. 26. What is Basel I? Also known as Basel Capital Accord, this was an agreement in 1988 by the Basel Committee of Central Bankers to measure the credit risk of Commercial Banks and set minimum standards for bank capital in order to reduce the likelihood of international repercussions due to bank failures. 27. What is Basel II? The Basel II Framework describes a more comprehensive measure and minimum standard for capital adequacy that national supervisory authorities are now working to implement through domestic rule-making and adaption procedures. It seeks to improve on the existing rules by aligning regulatory capital requirements more closely to the underlying risks that banks face. In addition, the Basel II Framework is intended to promote a more forwardlooking approach to capital supervision, one that encourages banks to identify the risks they may face, today and in the future, and to develop or improve their ability to manage those risks. As a result, it is intended to be more flexible and better able to evolve with advances in markets and risk management practices. The efforts of the Basel Committee on Banking Supervision to revise the standards governing the capital adequacy of internationally active banks achieved a critical milestone in the publication of an agreed text in June 2004. 28. What is a Beggar Thy neighbor policy? For a country to use a policy for its own benefit that harms other countries. Examples are optimal tariffs and, in a recession, tariffs and/or devaluation to create employment. 29. What is a Bill of Lading? This term is normally used in shipping industry. The receipt given by a transportation company to an exporter when the former accepts goods for transport. It includes the contract specifying what transport service will be provided and the limits of liability.
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30. What is the use of color boxes in WTO category of subsidies? Used with a color, a category of subsidies based on status in WTO: red=forbidden, amber or orange=go slow, green=permitted, blue=subsidies tied to production limits. Terminology seems only to be used in agriculture, where in fact there is no red box. 31. What is a fiscal deficit? A deficit in the government budget of a country and represents the excess of expenditure over income. So this is the amount of borrowed funds required by the government to meet its expenditures completely. 32. What is Black Money? Black Money is the unaccounted money concealed from the tax authorities. The black money runs a parallel economy adversely affecting the distribution of wealth & income in the economy. 33. What is a Black Market? A black market is an illegal market, in which something is bought and sold outside of official governmentsanctioned channels. Black markets tend to rise when a government tries to fix a price without itself providing all of the necessary supply or demand. Black markets in foreign exchange almost always exist when there are exchange controls. 34. What is a blue chip company? Why it is blue color only used in such companies? A Blue Chip is concerned with stocks & shares of company, which are well established and whose purchase is considered extremely safe. Due to stable earnings and no extensive liabilities these companies are called Blue Chip Companies. The term Blue Chip comes from casinos, where blue chips stand for counters of the highest value. Most blue chip stocks pay regular dividends, even when business is faring worse than usual. 35. What is a Direct Tax? A Direct Tax is that which is paid directly by someone to taxing authority. Income tax and property tax are examples of direct tax. They are not shifted to somebody else. 36. What is an Indirect Tax? This type of Tax is not paid by someone directly to the authorities and it is actually passed on to the other in the form of increased cost. They are levied on goods and services produced or purchased. Excise tax, Sales tax, VAT are Indirect Taxes. 37. What are LDCs or Least Developed Countries? Least Developed Countries (LDCs) are countries which
Do You Know?? as per United Nations show the lowest indicators of Socio Economic Development. They have lowest Human Development Index (HDI) ratings of all countries in the world. A country which has three-year average Gross national Income per capita of less than US $750 is tagged as LDC. a LDC must have an income of $ 900 to escape this tag. Besides if these countries show human resource weakness based on indicators of nutrition, health, education and adult literacy and also or economic vulnerability based on instability of economy. Currently UN has tagged 49 countries in LDC. India is not an LDC. 38. What are Middle Income Countries ? Middle-income countries (MICs) are the 86 countries that fall into the Middle-Income range set by the Bank's World Development Indicators. They account for just under half of the world's population; are home to one-third of people across the globe living on less than $2 per day; and are found in all six of the Bank's geographical regions. They cover a wide income range, with the highest income MIC having a per capita income 10 times that of the lowest. 39. What is Policy of Laissez Faire? Laissez Faire is a French term and means free market or no interference. It is a doctrine that states that government generally should not intervene in the marketplace. 40. What is the difference between Monopoly and Monopsony ? In Monopsony only one buyer faces many sellers. So this is called Buyer's Monopoly. It is a rare situation in today's economy. In Monopoly one seller faces many buyers. As the only purchaser of a good or service, the "Monopsonist" may dictate terms to its suppliers in the same manner that a Monopolist controls the market for its buyers.
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Test your Knowledge an exercise
Test your Knowledge an exercise

1. 2. 3. 4. 5. 6. 7. Marketable investment are not necessarily converted into cash during the business cycle of an organization though they may be equivalent to cash. These may be classified as ____ assets. (Current) In a private limited company the capital is provided by the share holders. Thus _____ are the owners of a private company (share holder) Insurance company in India is regulated by ________ . (IRDA) India recently a finalized deal on the sharing of Teesta and Fani river with _______. (Bangladesh) Chief Minister Shri. __________ of ____________ has decided to introduce the concept of gross national happiness concept of measuring prosperity. (Tarun Gagoi, Assam) Professor Amartya Sen won Nobel Prize in economic sciences in ______________. (1998) The house hold consumer expenditure survey for 2009-10 was released by the National Sample Survey Office (NSSO) in july 2011 which shows that _________ accounts for the largest share of an average Indian house holds consumption budget in both urban and rural areas. (Cereals) ___________ Census 2011 will be conducted by State Governments / Union Territory Administrations with the technical and financial support of the Ministry of ________. (Socio Economic and Caste , Rural Development) According to Economic Survey of India 2010-11 GDP (gross domestic product) of the Agriculture sector during 2004-05 to 2010-11 has increased by ____________ only. (3.46%) ________ has recently resigned from his position as the President of Egypt. (Mr. Hosni Mubarak) Disguised ________ means that more persons are employed in doing a job than are actually necessary. (unemployment) Indian ________ revolution is associated with the use of High Yielding Variety (HYV) seeds, chemical fertilizer and new technology which has caused sharp rise in Agriculture production. (Green) The credit of __________ revolution in India very well goes to Dr. Norman Borlang and Dr. M.S Swaminathan. (Green) The Prime Ministers Economic Advisory Council on August 01,2011 scaled down its GDP (Gross Domestic Progress) growth projection for the current fiscal to _________ % from about 9% estimated earlier.(8.2%) The __________ is not a member of cabinet but he has a right to speak in both houses of Parliament or any Parliamentary Committee though without any voting right. (Attorney General) According to article 79 of Indian Constitution Parliament of the Union of India consist of _______and the two houses known as Rajya Sabha and Lok Sabha. (The President) The President rule in a state is normally impressed on the advice of _____________. (Governor) _________ is a real executive authority in a cabinet system of Government. (The Council of Minister) ________ of India is the Ex Presiding Officer of Rajya Sabha. (Vice President) In case of illegal detention of a person _______ writ is issued by court. (Habeas Corpus) India is a ________ state because of share of power between the Centre and States. (Federal ) The Indian Constitution Empowers the President to nominate two members of Lok Sabha from _________ community. (Anglo Indian Community) Liquified petroleum gas is a mixture of _________. (Butane and Propane) _________ is the unit of distance used in navigation. (Nautical Mile) _____________ is the device that step up or step down the voltage. (Transformer)
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Quiz Test Series
Quiz Test Series

TEST 1
1. Which of the following is NOT decided by the Finance Minister while presenting Union Budget every year ? (1) Rate of Income Tax (2) Expenditure on Defence Services (3) Relief packages to various sections of the society (4) Repo & Reverse Repo (5) Revenue Expected from various sources Who amongst the following is the President of France at present ? (1) Hu Jintao (2) Elena Vesnina (3) Jakaya Kikwete (4) Dilma Rousseff (5) Nicolas Sarkozy Which of the following is grown as oil seed ? (1) Mustard (2) Garlic (3) Safed Musli (4) Urad (5) Clove Which organization is being given the status of Micro Finance Regulating Authority as per the bill introduced in the parliament ? (1) SIDBI (2) IDBI (3) NABARD (4) RBI (5) SBI GNP stands for ------(1) Group Net Product (2) Gross National Product (3) Grand Nuclear Process (4) Group Net working Process (5) Grand National Product Some rural people still prefer to go to which of the following non institutional source for their credit needs ? (1) Micro Finance Institutions (2) Commercial Banks (3) Urban Co Operative Banks (4) Money Lenders (5) None of these Nano car is launched by which of the following industrial groups ? (1) Bajaj Group (2) Maruti Suzuki Group (3) Mahindra & Mahindra Group (4) Reliance Group (5) Tata Group Term 'Balance of Payment' is used in relation to which of the following ? (1) Diplomatic Relations (2) Exports & Imports (3) Annual production in a factory (4) Deficit in Union Budget 9. (5) None of these Which of the following rates/ratios is not covered under the RBI monetary and credit policy ? (1) Bank rate (2) Exchange rate of foreign currencies (3) Repo Rate (4) Reverse repo rate (5) Cash reserve ratio Which one of the following has given 'Aadhaar' as its new brand name ? (1) UIDAI (2) Sports Ministry, GOI (3) Ministry of Tourism, GOI (4) NHAI (5) None of these Contribution to Prime Minister's Relief Fund enjoys Income Tax benefit under various sections of the act upto the limit of_______ (1) 50% (2) 75% (3) 100% (4) 30% (5) No exemption is available Which of the following is not a food crop ? (1) Paddy (2) Wheat (3) Bajra (4) Jowar (5) Jatropha Which of the following is not an employment generating programme of Govt. India (1) NREGA (2) PMGSY (3) SGSRY (4) TRYSEM (5) DPAP When the loan is granted by a bank for purchase of white goods it is called________ (1) Consumption loan (2) White goods loan (3) Consumer durable loan (4) All the above (5) None of these The term 'Power of Attorney' refers to_________ (1) Power entrusted to a person of authority (2) A mandate to with draw money from someone's Bank account (3) An instrument by which a person is empowered to act for another person (4) All of the above (5) None of these The Reverse Mortgage Scheme was launched by some organizations a few years back. This was done to help which of the following sections of society ? (1) Beneficiaries of the NREGA (2) People living Below Poverty Line (3) Youngsters
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(4) Senior Citizens 17. (5) None of these (3) Companies Act Bill (4) Salaries and Perks for MPs Bill (5) Finance Bill 2010-11 25.
Quiz Test Series
Which of the following metals is used for generation of nuclear Energy by most of the Nuclear Power Plants ? (1) Zinc (2) Platinum (3) Uranium (4) Nickel (5) Barium Which of the following is/are considered a Renewable Source of Energy ? (A) Wind Energy (B) Solar Energy (C) Nuclear Energy (1) Only (A) (2) Only (B) (3) Only (C) (4) Both (A) & (B) (5) All (A), (B) & (C) Which of the following is/are true about the National Rural Employment Guarantee Act ? (1) The Act is now known as Indira Gandhi National Rural Employment Guarantee Act. (2) The Act is now applicable to all the districts of - the country. (3) Minimum wage fixed under this Act is now Rs. 250 per day. (4) Employment is given now for 200 days in a year (5) None of these Which of the following is the full form of the abbreviation IFRS as used in corporate/financial sector ? (1) Indian Financial Reconciliation Standards (2) Interpretation & Formal Reporting System (3) International Financial Reporting Standards (4) International Financial Reporting System (5) None of these 'Heavy Water' is used in which of the following fields ? (1) Thermal Power (2) Cement Industry (3) Iron & Steel Industry (4) Nuclear Power (5) None of these At present who is the Governor of Reserve Bank of India? (1) Dr Y. V. Reddy (2) Dr C. Rangarajan (3) Shri C. Chidambaram (4) Dr. Subir Gokarn (5) None of these One of the major emphasis of Basel II is that banks should have________ (1) Adequate Capital adequacy ratio (2) Only few branches in Metro centres (3) More and more branches in Rural areas should be opened (4) Core banking mode of operations (5) All the above Amendments in which of the following bills presented in the Parliament will bring some changes in existing tax regime ? (1) Direct Taxes Code (DTC) Bill (2) Foreign Exchange Management Regulatory Bill
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As per the reports in various newspapers many private companies are trying to obtain the licences to launch a banking company in India. Which of the following organizations/agencies issue the licence for the same ? (1) Securities and Exchange Board of India (SEBI) (2) Indian Institute of Banking and Finance (IIBF) (3) Indian Bank Association (4) Registrar of Companies (5) None of these
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TEST 1 ANSWER KEY 1 4 11 3 21 4 2 5 12 5 22 5 3 1 13 1 23 1 4 3 14 2 24 1 5 2 15 3 25 5 6 4 16 4 7 5 17 3 8 2 18 4 9 2 19 2 10 1 20 3
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TEST 2
1. When is Income tax required to he deducted by the banks at source on interest accrued and paid by them on the fixed deposits? When the _________ (1) amount of interest accrued/payable is more than Rs. 5000/- p.a. (2) amount of interest accrued/payable is more than Rs. 10000/- p.a. (3) interest is more than Rs. 20,000/- p.a. (4) customer is not valuable to the bank (5) None of these Which of the following methods is being adopted by Banks for calculating and applying interest on Savings Bank accounts? (1) On monthly products based on minimum balance between 10th and last working day. (2) Daily balance is counted and is paid accordingly (3) On average Quarterly balance (4) On average half yearly balance (5) None of the above Which one of the following is the objective of the flagships scheme 'Rashtriya Swasthya Bima Yojana' (RSBY) ? (1) To provide life insurance cover to rural households (2) To provide health insurance cover to rural households
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COMPETITIVE ZEAL
(3) To provide both life and health insurance cover to rural households (4) To provide life and health insurance covers only to people living below poverty line (5) None of these 4. Structure of Basel II is based on how many pillars ? (1) Two (2) Four (3) Three (4) Eight (5) Six 'Pulitzer Prize' is given in the field of (1) Literature (2) Social service (3) Films (4) Science 14.
Quiz Test Series 'Richter Scale' is used to measure which of the following ? (1) Intensity of Tsunami Waves (2) Intensity of Earthquake (3) Density of salt in Sea water (4) Flow of electric current (5) None of these Wimbledon Trophy is associated with (1) Football (2) Cricket (3) Hockey (4) Basketball (5) Lawn Tennis Which of the following aptly defines the term Financialliteracy ? (A) How to use credit responsibly (B) How to manage money (C) How to minimize financial risks (D) How to derive long term benefits from savings (1) Only (A) (2) Only (B) & (C) (3) Only (C) & (D) (4) All (A), (B), (C) & (D) (5) None of these Which of the following awards is given for excellence in the field of cinema ? (1) Dada Saheb Phalke (2) Arjuna (3) Booker Prize (4) Kalidas Samman (5) None of these What is the maximum number of free transactions that can be undertaken by a customer by using ATM of other bank in a month ? (1) 2 per month (2) 5 per month (3) 10 per month (4) 15 per month (5) No such restriction Gagan Narang is a famous______ (1) Cine actor (2) Author (3) Politician (4) Sportsman (5) Scientist Dr. Amartya Sen won Nobel Prize in 1999 for his contribution in the field of______ (1) Physics (2) Chemistry (3) Medical Science (4) Economics (5) Literature Which of the following rates decided by the RBI is called "Policy Rate" ? (1) Lending Rate (2) Cash Reserve Ratio (3) Bank Rate (4) Deposit Rate (5) Exchange Rate India is fighting for a permanent seat in_________ (1) UN Security Council (2) UN General Assembly (3) World Trade Organisation (4) G - 20
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(5) Sports
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Which of the following terms/trophies is related with the game of cricket ? (1) Love (2) Trump (3) Grand slam (4) Tee (5) Ashes Who amongst the following is the President of Pakistan ? (1) Yusuf Raza Gillani (2) Nawaz Sharif (3) Shah Mehmood Qureshi (4) Asif Ali Zardari (5) None of these Prof. Muhammad Yunus, the recipient of the Nobel Peace Prize 2006, is the exponent of which of the following concepts in the field of banking ? (1) Core Banking (2) Micro Credit (3) Retail Banking (4) Real Time Gross Settlement (5) Internet Banking Which of the following phenomenon is considered responsible for 'Global Warming' ? (1) Greenhouse Gas Effect (2) Fox Fire (3) Dry Farming (4) Radioactivity (5) All of these OPEC is a group of countries which are (1) Exporting oil (2) Producing cotton (3) Rich and developed (4) Developing and poor (5) Nuclear powers TRAI regulates the functioning of which of the following? (1) Insurance (2) Banking (3) Stock Market (4) Transport (5) Telecom Which of the following books is written by Chetan Bhagat? (1) A Bend in the River (2) A China Passage (3) A Suitable Boy (4) Five Point Someone (5) A House for Mr. Biswas VAT stands for (1) Value And Tax (2) Value Added Tax (3) Virtual Action Tasks (4) Virtual Assessment Technique (5) None of these 21.
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COMPETITIVE ZEAL
(5) G 8 23. Loan given by the banks to farmers/small shop owners etc. is known as________ (1) Corporate Loan (2) Business Loan (3) Priority sector loan (4) Commercial Loan (5) Non profitable Loan What is full form of '2G' a term we see frequently in newspapers ? (1) Second Grade (2) 2 Geostationary (3) Twin Global (4) Second Generation (5) None of these Which is the present Capital of Sri Lanka ? (1) Trincomalee (2) Anuradhapura (3) Jaffna (4) Colombo (5) Sri Jayawardenapura Kotte 6.
Quiz Test Series (GTO) for the third time (4) An XL version had successfully put ChandrayaanI in GTO in October 2008. Which of the above is correct ? (A) (i) (ii) (iii) only (B) (i) and (iii) only (C) (i), (ii), (iii) and (iv) (D) (iii) and (iv) Under the Food Security Bill as approved by Union Cabinet recently, which of the following statements is incorrect ? (A) The Bill seeks to entitle 75% BPL (Below Poverty Line) to heavily subsidised food (B) The Bill entitles 50% of urban population to heavily subsidised foodgrains (C) The, Bill in totality entitles 68% of country's population to food security (D) Under the provision of the Bill, each beneficiary under the BPL will be given 10 kg of foodgrains The Union Cabinet has given its formal approval for increasing the amount under MPLAD (Member of Parliament Local Area Development Scheme) from Rs. 2 crore to(A) Rs. 6 crore (B) Rs. 5 crore (C) Rs. 3 crore (D) Rs. 4 crore Recently Supreme Court ordered the Constitution of Special Investigation Team on (A) Corruption (B) Telangana issue (C) Black Money (D) None of the above On July 26, 2011, India confirmed trade deals worth billion of pounds with (A) USA (B) Britain (C) Canada (D) Australia Lok Pal Bill as cleared by the Cabinet recently keep outside its purview (A) Prime Minister (B) The higher judiciary (C) Conduct of MPs inside Parliament (D) All the above Hina Rabbani Khar who recently visited India is the first woman foreign minister of (A) Bangladesh (B) Pakistan (C) Maldives (D) Iran President Pratibha Patil recently visited (A) Mongolia (B) South Korea (C) Both (A) and (B) (D) None of the above India recently signed civil nuclear agreement with. (A) Mongolia (B) South Korea (C) North Korea (D) Sudan The oldest ship of Navy which was recently
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TEST 2 ANSWER KEY 1 2 11 5 21 3 2 2 12 4 22 1 3 4 13 2 23 4 4 3 14 2 24 4 5 1 15 5 25 4 6 5 16 4 7 4 17 1 8 2 18 2 9 1 19 4 10 1 20 4
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TEST 3
1. The ninth indigenously built Fast Attack Craft (FAC) of the Navy which was commissioned on July 12, 2011 is (A) INS Koswari (B) Rani Rashmoni (C) Sharabh (D) None of the above In recently reshuffled union Council of Ministers who has been made Law Minister ? (A) Dinesh Trivedi (B) Salman Khursheed (C) Veerappa Moily (D) Jayanti Natrajan India has recently signed a MoU to rebuild a port with (A) Thailand (B) Sri Lanka (C) Myanmar (D) Maldives 'Rani Rashmoni' which recently came into news is India's (A) Patrol vessel (B) Missile (C) Satellite vehicle (D) Fast Attack Craft Consider the following statements (1) The PSLV-C17 put the com munication satellite GSAT 12 in a perfect orbit on July15, 2011. (2) It was the 18th successful flight of PSLV in a row. (3) PSLV put the satellite in Geosynchronou, transfer orbit
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COMPETITIVE ZEAL
decommissioned is (A) Sharabh (C) INS Vikrant 15. (C) Anil Kumar Browne (D) Rohinton Nariman
Quiz Test Series
(B) INS Virat (D) None of the above
The meeting of Home/Interior Ministers of SAARC, countries was in July held in (A) Islamabad (B) Kolombo (C) New Delhi (D) Thimpu Which country has built a missile defence shield covering two-thirds of the country ? (A) USA (B) England (C) Australia (D) Russia Which country recently unveiled a plan to tax carbon emissions ? (A) Argentina (B) Britain (C) U. S. A. (D) Australia Salva Kiir is the new President of (A) Kenya (B) South Sudan (C) S. Africa (D) Canada China's Asia Pacific Exchange and Cooperation Foundation has planned $ 3 billion projects in (A) Cambodia (B) Nepal (C) Thailand (D) Vietnam Which state has been selected for Best Performing State Award for wheat ? (A) Rajasthan (B) Haryana (C) Madhya Pradesh (D) Tamil Nadu GTA which was recently in news stands for (A) Gorkhaland Tripartite Associtation (B) Gorkhaland Territorial Administration (C) Gorkhaland Territorial Association (D) None of the above The new Solicitor General of India is (A) Fali S. Nariman (B) Abhishek Manu Singhvi (C) Rohinton Nariman (D) None of the above Recently scientists decoded the full DNA sequence genome of (A) Potato (B) Brinjal (C) Orange (D) Mango The new Central Vigilance Commissioner of India is (A) T. K. A. Nair (B) Pradeep Kumar (C) Kalyan Banerjee (D) V. S. Hegde The new Chief of Antrix Corporation Limited is (A) K. T. Moraes (B) V. S. Hegde
TEST 3 ANSWER KEY 1 1 11 2 21 2 2 2 12 3 22 3 3 2 13 2 23 1 4 1 14 1 24 2 5 3 15 4 25 2 6 4 16 4 7 2 17 4 8 3 18 2 9 2 19 2 10 4 20 2
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TEST 4
1. Who of the following has not been conferred on the prestigious Sangeet Natak Akademi fellowship this year ? (A) Girija Devi (B) Nataraja Ramkrishna (C) Lachchu Maharaj (D) R. F. Dagar Which Indian personality has posthumously been honoured with Bangladesh highest award ? (A) Lal Bahadur Shastri (B) Indira Gandhi (C) Narlinha Rao (D) None of the above Which women has been honoured with first Mercy Ravi Award ? (A) Shabana Azmi (B) Sheila Dixit (C) Sharmila Tagore (D) None of the above Under Nagar Awards this year which Municipal Corporation has been adjudged the best run organisation? (A) Vadodara Municipal Corporation (B) Ahmedabad Municipal Corporation (C) Rajkot Municipal Corporation (D) Mysore City Corporation Prem Bhatia Award of Journalism has been conferred on (A) Jyotirmoy Dey (B) Josy Joseph (C) Both of the above (D) None of the above Who has/have been honoured with National Communal Harmony Award this year ? (A) Haneef Khan Shastri (B) Acharya Lokesh Muni (C) Both of the above (D) None of the above The longest sea bridge of the world is located in (A) Tibet (B) China (C) Myanmar (D) Germany The winner of Copa America (football) is (A) Uruguay (B) Paraguay (C) Japan (D) Germany
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COMPETITIVE ZEAL
9. The winner of women's World Cup of football is (A) Japan (B) Colombia (C) Argentina (D) Canada Novak Djokovic won the Wimbledon 2011, Men's Singles title after defeating (A) Andy Murray (B) Rafael Nadal (C) Roger Federer (D) None of the above The winner of Wimbledon 2011 Women's Singles title is (A) Maria Sharapova (B) Petra Kvitova (C) Serena Williams (D) Venus Williams The winner of British Open Golf Open Championship is (A) Darren Clarke (B) Arjun Atwal (C) Tiger Woods (D) None of the above Who recently won the Indonesian International Challenge Badminton Championship ? (A) Sameer Verma (B) P. V. Sindhu (C) F. R. Harasiputra (D) None of the above The winner of the Hash-10 National Championship (women's billiards title) is (A) Uma Devi (B) I. Lahiri (C) Meenal Thakur (D) None of the above Who recently won German Grand Prix Championship ? (A) Lewis Hamilton (B) Fernando Alonso (C) Mark Webber (D) Sebastian Vettel What is true for Repo Rate as announced by RBI on July 26, 2011 ? (A) Raised from 7% to 7.5% (B) Raised from 7.25% to 7.75yo (C) Raised from 7.5% to 8.0% (D) Raised from 7.751/o to 8.25% As on status July 26, 2011 which of the two rates of RBI are equal ? (A) Repo Rate and Bank Rate (B) Bank Rate and CRR (C) CRR and Reverse Repo (D) None of the above IRDA is associated with (A) Railways (B) Insurance Sector (C) Telecommunication (D) Banking As per 2011 census data, what percentage of Indian population resides in villages ? (A) 58.5% (B) 62.6% (C) 68.8% (D) 71.3,/o Who is the new chairman of Indian Chamber of Commerce (ICC), taken charge in July 2011 ? (A) Srivardhan Goyenka (B) Sanjeev Goyenka 2. (C) K. C. Chakravorti 21.
Quiz Test Series (D) Purushottam Kaushik
10.
As on July 26, 2011 what was Reverse Repo Rate ? (A) 6.25% (B) 6.5% (C) 6.75% (D) 7.0110 Which minimum value coin in India is now a legal tender money ? (A) 25 Paise (B) 50 Paise (C) Rs. 1 (D) None of the above At which place, country's first fully airconditioned bus terminus has been established ? (A) Mohali (B) Deem (C) Hyderabad (D) Mumbai As per the data released by World Steel Organisation, India's rank in world steel production in 2010 is (A) First (B) Second (C) Third (D) Fourth PMEAC in its Economic Outlook 2011-12 has revised India's GDP growth projection for 2011-12 from (A) 9.0% to 8.5% (B) 8.57o to 82% (C) 8.5% to 8.0% (D) 8.0 to 7.8%
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TEST 4 ANSWER KEY 1 3 11 2 21 4 2 2 12 1 22 2 3 2 13 2 23 1 4 2 14 1 24 4 5 3 15 2 25 2 6 3 16 3 7 2 17 2 8 1 18 2 9 1 19 3 10 2 20 1
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TEST 5
1. Which of the following countries recently conferred its Highest State Honour on Late Mrs. Indira Gandhi for her contribution in its 'Liberation war' ? (1) South Sudan (2) Bangladesh (3) Bhutan (4) Slovakia (5) Croatia Which of the following statement is true ? (1) Banks cannot accept demand and time deposits from public. (2) Banks can accept only demand deposits from public. (3) Banks can accept only time deposits from public. (4) Banks can accept both demand and time deposits from public. (5) Banks can accept demand and time deposits only from
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COMPETITIVE ZEAL
government. 3. Interest payable on savings bank accounts is (1) not regulated by RBI. (2) regulated by Sate Governments. (3) regulated by Central Government. (4) regulated by RBI (5) regulated by Finance minister. Which of the following is the correct statement ? (1) State bank of India is the sole authority to issue and manage currency in India. (2) A nationalized bank is the sole authority to issue and manage currency in India. (3) A cooperative bank is the sole authority to issue and manage currency in India. (4) RBI is the sole authority to issue and manage currency in India. (5) None of these The Home Minister of India was recently on a visit to Bangladesh where both the countries signed a Coordinated Border Management Plan (CBMP). What are major points of this agreement ? (1) The plan will help in resolving long pending border dispute between both the nations. (2) The head count of the people living in enclaves on the border will be completed within next six month's time. (3) India assured that no BSF Jawan will open fire on the people crossing the borders unless there is an attack on them. (1) Only (A) (2) Only (B). (3) Only (C) (4)All (A), (B) & (C) (5) Both (A) & (C) The Govt. of India recently decided to raise the price of oil products like, diesel, petrol and cooking gas. However, some taxes on these products were reduced or scrapped all together. What were these taxes which were reduced or scrapped ? (1) Custom Duty (2) VAT (3) Excise Duty (1) Only (A) (2) Both (A) & (B) (3) Both (A) & (C) (4) Both (B) & (C) (5) Ali (A), (B) & (C) The President of India was recently on a visit to South Korea and Mongolia. During her visit some agreements were signed by both the countries. Which of the following was a common area on which India signed agreements with South Korea and Mongolia both ? (1) Peaceful use of Nuclear energy (2) Export of edible oil to South Korea and Mongolia (3) Providing technical help to become self sufficient in production of food grains
Quiz Test Series (4) Willingness of both the countries to support India's bid to have permanent seat in LIN Security Council (5) To hold Olympic games in 2022 in New Delhi jointly with South Korea and Mongolia 8. Iran recently threatened that it will stop supply of oil to India if the payment issue is NOT sorted out, quickly. What is the problem in payment to Iran ? (1) The oil supplied by Iran is of substandard quality. Hence India suspended the supply and stopped the payment. (2) Indian banks have stopped transfer of money to Iran as UN has imposed sanctions on Iran. (3) India is bound to purchase oil only from OPEC members. Iran has abandoned the membership of OPEC, which has created a problem in payments. (1) Only (A) (2) Only (B) (3) Only (C) (4) All (A), (B) & (C) (5) None of these Accounts are allowed to be operated by cheques in respect of (1) Both Savings bank accounts and fixed deposit accounts (2) Savings bank accounts and current accounts (3) Both Savings bank accounts and loan accounts. (4) Both Savings bank accounts and cash accounts only. (5) Both Current accounts and fixed deposit accounts Yingluck Shinawatra has won recently held elections to become first woman Prime Minister of (1) Myanmar (2) South Korea (3) North Korea (4) Thailand (5) China Which of the following is correct statement ? (1) Normally no interest is paid on current deposit accounts. (2) Interest is paid on current accounts at the same rate as term deposit accounts. (3) The rate of interest on current account and savings account are the same. (4) No interest is paid on any deposit by the bank. (5) Savings deposits are the same as current deposits. The Lokayukta of which of the following States had submitted a report on illegal mining of iron ore in the State? (1) Andhra Pradesh (2) Tamil Nadu (3) Karnataka (4) Orissa (5) None of these The usual deposit accounts of banks are (1) Current accounts, electricity accounts and insurance premium accounts
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COMPETITIVE ZEAL
(2) Current accounts, Post office savings bank accounts and term deposit accounts (3) Loan accounts, savings bank accounts and term deposit accounts (4) Current accounts, savings bank accounts and term deposit accounts (5) Current bill accounts and term deposit accounts 14. Fixed deposits and recurring deposits are (1) repayable after an agreed period. (2) repayable on demand. (3) not repayable. (4) repayable after death of depositors. (5) repayable on demand or after an agreed period as per bank's choice. Almost all the major economies of the world had reacted sharply on the issue of USA's ceiling limit on its debt. Why was the issue so important for other nations, which otherwise was an internal matter for USA ? (This was during last month of July 2011, till Senat's decision) (A) The Senat's decision on the issue might have caused US dollar to weaken further or get strengthened in international markets. (B) Weakening of the dollar might have pushed up Euro and other major currencies up and some European countries which were already in trouble would have faced a new crisis. (C) Debt limit was directly related to liquidity position of banks in USA. (1) Only (A) (2) Only (B) (3) Only (A) & (B) both (4) Only (B) & (C) both (5) All (A), (B) & (C) Which of the following is NOT a Millennium Goal set by the UNO ? (1) Eradicate extreme poverty and hunger (2) Reduce child mortality (3) Ensure environmental sustainability (4) Combat terrorism and bring people in main stream of society (5) Achieve universal primary education Financial inclusion means provision of________ (1) financial services namely, payments, remittances, savings, loans and insurance at affordable cost to persons not yet given the same. (2) ration at affordable cost to persons not yet given the same. (3) house at affordable cost to persons not yet given the same. (4) food at affordable cost to persons not yet given the same. (5) education at affordable cost to persons not yet given the same. 18.
Quiz Test Series
Which of the following Statements containing results of India's recent Census is NOT correct ? (1) Kerala has about 94% literacy, the highest in India (2) The Sex Ratio in India is 940 (3) Male literacy is lower than female literacy in seven most developed states (4) Uttar Pradesh is the most populous State in India (5) The population of India has increased by 181 million during the decade 2001-2011 Which of the following is known as cross selling by Banks? (A) Sale of a debit card to a credit card holder (B) Sale of Insurance policy to a depositor (C) Issuance of Cash against Cheque presented by a third party (1) Only (A) (2) Only (B) (3) Only (C) (4) Both (A) & (C) (5) All (A), (B ) & (C) Angela Merkel was recently in India to receive Jawaharlal Nehru Award for International Understanding for the year 2009. What has been her contribution in the international politics which made her the 'Best Choice' for the award ? (A) She played a major role in restarting negotiations between Russia and USA on 'STAR'. (B) She initiated 'Health Care Reforms' in Germany and solved problems related to 'future energy development.' (C) She played a crucial role in negotiation of the 'Treaty of Lisbon' and Berlin declaration. (1) Only (B) & (C) (2) Only (A) & (B) (3) Only (C) (4) Only (A) & (C) (5) None of these Japan won the women's Football World Cup 2011 by defeating (1) England (2) Germany (3) Argentina (4) USA (5) China Which of the following states became the first state in the country to launch RBI's e-payment system for commercial tax payers ? (1) AndhraPradesh (2) Kerala (3) Gujarat (4) Maharashtra (5) Karnataka When a bank returns a cheque unpaid, it is called (1) payment of the cheque(2) drawing of the cheque (3) cancelling of the cheque (4) dishonor of the cheque (5) taking of the cheque
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COMPETITIVE ZEAL
24. Mortgage is a (1) security on movable property for a loan given by a bank. (2) security on immovable property for a loan given by a bank. (3) concession on immovable property for a loan given by a bank. (4) facility on immovable property for a loan given by a bank. (5) security on immovable property for a deposit received by a bank. The world's highest 'Rail Bridge' is being constructed in the State of Jammu & Kashmir. This bridge will be on which of the following rivers ? (1) Jhelum (2) Chenab (3) Indus (4) Ravi (5) None of these
Quiz Test Series (4) M. G. National Rural Employment Guarantee Act (5) Aadhaar Card scheme 4. Which of the following types of accounts are known as 'Demat Accounts" ? (1) Accounts which are Zero Balance Accounts (2) Accounts which are opened to facilitate repayment of a loan taken from the bank. No other business can be conducted from there (3) Accounts in which shares of various companies are traded in electronic form (4) Accounts which are operated through internet banking facility (5) None of these Who amongst the following won the Wimbledon Men's Finals 2011 which was also his first Wimbledon Title ? (1) Rafael Nadal (2) Novak Djokovic (3) Robert Bruce (4) Lleyton Hewitt (5) None of these Who is the chairman of the committee constituted by RBI to study Issues and concerns in the Micro Finance Institutions (MFI) Sector ? (1) Y. H Malegam (2) Dr K. C. Chakraborty (3) C. Rangrajan (4) M. Damodaran (5) Smt Usha Thorat Upper limit rescribed for RTGS transaction is (1) Rs. 1 lac (2) Rs. 2 lacs (3) Rs. 5 lacs (4) Rs. 50 lacs (5) No upper limit is prescribed Distribution of insurance products and insurance policies by banks as corporate agents is known as (1) General Insurance (2) Non-life insurance (3) Bancassurance (4) Insurance banking (5) Deposit insurance In order to attract more foreign exchange the Govt. of India decided to allow foreign investment in LLP firms. What is full form of "LLP" as used in this reference ? (1) Local Labour Promotion (2) Low Labour Projects (3) Limited Loan Partnership (4) Longer Liability Partnership (5) Limited Liability Partnership NEFT means (1) National Electronic Funds Transfer system (2) Negotiated Efficient Fund Transfer System (3) National Efficient Fund Transfer Solution (4) Non Effective Fund Transfer System (5) Negotiated Electronic Foreign Transfer system Who among the followings has been appointed as a director on board of Bank of America - the first non-
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TEST 5 ANSWER KEY 1 2 11 1 21 3 2 4 12 3 22 5 3 4 13 4 23 4 4 4 14 2 24 2 5 4 15 5 25 1 6 3 16 4 7 1 17 1 8 2 18 3 9 2 19 2 10 4 20 1
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TEST 6
1. Which of the following films was NOT directed by Mani Kaul, who died recently ? (1) 3 Idiots (2) Ghashiram Kotwal (3) Uski Roti (4) Duvidha (5) Ashad Ka Ek Din The President of which of the following countries is accused of violation of "War Powers Act" of his country when he decided to attack Libya with other NATO countries in June 2011 ? (1) USA (2) France (3) Germany (4) Spain (5) Italy Which of the following schemes is launched by the Govt. of India to provide an identity to its all resident citizens and also in identifying people who are poorest, often the last to stand up to ask for their share in govt. schemes or lack identity ? (1) Public Provident Fund scheme (2) Indira Gandhi Old Age Pension scheme (3) Social Security Scheme for Gramin Dak Sevaks
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COMPETITIVE ZEAL
American on the board of the one of the largest financial institutions in the world ? (1) Azim Premji (2) Ratan Tata (3) Mukesh Ambani (4) K . V. Kamath (5) Chanda Kocher 12. When the rate of inflation increases (1) purchasing power of money increases (2) purchasing power of money decreases (3) value of money increases (4) purchasing power of money remains unaffected (5) amount of money in circulation decreases POSCO is in the process of establishing its plants in, India. What does the letter'P'denote in the name POSCO ? (1) Popular (2) Pallin (3) Pohang (4) Paradeep (5) Petersburg Who amongst the following has become the Chief Minister of a State in India third time consecutively ? (1) Tarun Gagoi (2) Nitish Kumar (3) J. Jayalalitha (4) Mamta Banerjee (5) None of these Who amongst the following is the winner of Man Booker Prize - 2011 ? (1) Andrea Levy (2) Nicola Barker (3) Tom McCarthy (4) Linda Grant (5) Philip Roth Interest on savings bank account is now calculated by banks on (1) minimum balance during the month (2) minimum balance from 7th to last day of the month (3) minimum balance from 10th to last day of the month (4) maximum balance during the month (5) daily product basis The third International Conference of the Trade Unions was organized in June 2011 in (1) Vienna (2) Moscow (3) London (4) Paris (5) Berlin A centralized database with online connectivity to branches, internet as well as ATM-network which has been adopted by almost all major banks of our country is known as (1) investment banking (2) core banking (3) mobile banking (4) national banking (5) specialized banking The Govt. of India recently decided to lift four years old ban on export of wheat. What was the reason for the same? (A) India had a bumper crop of wheat in last two years. Hence it has excess stock of wheat. (B) As per the Food Security Act India is bound to provide 10 million tones of wheat to World Food Grain stock 25. 22.
Quiz Test Series every year. India defaulted last year. This year it does not want to be one. (C) As advised by the Supreme Court of India, the money received from export should be used to pay subsidy to the farmers. (1) Only (B) (2) Only (A) (3) Only (C) (4) Both (A) & (B) (5) All (A), (B) & (C) 20. Which of the following is not considered a money market instrument ? (1) Treasury bills (2) Repurchase Agreement (3) Commercial Paper (4) Certificate of Deposit (5) Shares and bonds With a view to facilitate payment of balance in the deposit account to the person named by the depositor without any hassles in the event of death of the account holder, the following facility was introduced for bank accounts in our country (1) Will (2) Registration (3) Nomination (4) Indemnity (5) Guarantee The Govt. of which of the following states has agreed to give captive mines of iron ores to all the companies who are willing to establish plants there? (1) West Bengal (2) Orissa (3) Jharkhand (4) Bihar (5) Karnataka 'Gorkhaland Council' which was recently in news is a body set up for administration of which of the following Districts? (1) Siliguri (2) Bagdogra (3) Malcla (4) Darjeeling (5) Gangtok Banks in our country normally publicise that additional interest rate is allowed on retail domestic term deposits of (1) Minors (2) Married women (3) Senior citizens (4) Govt. employees (5)Rural residents Largest shareholder (in percentage shareholding) of a nationalized bank is (1) RBI (2) NABARD (3) LICI (4) Govt. of India (5) IBA
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TEST 6 ANSWER KEY 1 1 11 3 21 3 2 2 12 1 22 2 3 5 13 3 23 4 4 3 14 1 24 3 5 2 15 5 25 4 6 1 16 1 7 5 17 3 8 3 18 2 9 5 19 2 10 1 20 3
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COMPETITIVE ZEAL
Quiz Test Series c) Novak Djokovic e) None of these 13. d) Andy Murray
TEST 7
1. What is the interest rate on Saving Bank account? (1) 3% b) 3.5% c) 4% d) 3.75% (e) Any value What manages Foreign exchange in India? a) SBI b) RBI c) Ministry of Finance d) NABARD e) SEBI Often we here a term Banking Ombudsman. Banking ombudsman deals with? a) loans b) deposits c) NPA d) Customer Complaints e) None of these Which of the following rates is not decided by RBI? a) Bank rate b) Repo rate c) saving Rate d) Base rate e) Reverse repo rate financial inclusion is related to ? a) Giving loans to BPL families b) micro finance c) connecting people with Banking d) Poverty alleviation e) Loans to unemployed youth Which of the following is the apex Bank of India? a) RBI b) SBI c) NABARB d) NHB e) SEBI What is the full form of FEMA ? a) Financial and Economy Management Act b) Foreign Exchange Management Act c) Fixed economy Management Act d) Foreign exchange market e) None of these Share of Priority sector lending in total credit of a bank is kept at ? a) 25% b) 30% c) 42% d) 35% e) 40% Which of the following regulates insurance sector? a) IRDA b) SEBI c) RBI d) National Insurance corporation e) LIC The headquarter of Asian DEVELOPMENT bank is at? a) Bejing b) Tokyo c) Jakarta d) Manila e) Seoul What does the letter H stands for in SHG? a) Help b) Housing c) Home d) Handicapped e) None of these Who has won the US open tennis Championship? a) Roger federer b) Rafael Nadal 22.
Jeev Milkha singh is associated with which sport? a) Hockey b) Athletics c) Golf d) Snooker e) kabbaddi In a recent cricket tour of . India lost all the four test matches along with number one test ranking. a) Australia b) West Indies c) South Africa d) Srilanka e) England Col. Gaddafi belonged to which country? a) Yemen b) Egypt c) Syria d) Libya e) Saudi Arabia Who is the new CM of Uttrakhand ? a) ND Tiwary b) Ramesh Pokhrial c) BC Khanduri d) Ajeet Jogi e) None of these How many deputy Governors are there in RBI? a) 1 b) 2 c) 3 d) 4 e) 5 If one rupee note is printed in the month of September, it will bear the signatures of? a) D Subbarao b) UK Sinha c) Ashok Chawla d) Pranab Mukherjee e) Montek singh Ahluwalia SAARC summit in November 2011 will be held in ..? a) India b) Sri Lanka c) Nepal d) Maldives e) Bangladesh what is the full form of FDI? a) Foreign Direct Investment b) fixed direct investment c) fixed deposit investment d) financial Deposits and investment e) None of these New Home secretary of India is? a) Ranjan Mithai b) Raj Kumar Singh c) Montek singh Ahluwalia d) Nirupama Rao e) Nirupam Sen Anna Hazare is associated with ..? a) RTI b) Uniform civil Code c) Lokpal Bill d) environment activist e) none of these Name the famous Indian cricketer who retired from ODI recently? a) Virender Sehwag b) Anil Kumble c) Rahul Dravid d) VVS Laxman e) Sachin Tendulkar
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COMPETITIVE ZEAL
24. Formula one championship is associated with ..? a) Motor bikes Racing b) Horse Racing c) soccerd d) Car Racing e) boat racing Who is the UN secretary general, elected recently? a) Nirupama rao b) hu jintao c) wen jiabao d) Nato Kan e) Ban ki Moon 7.
Quiz Test Series The president of UNSC is..? a) US b) India c) China d) Germany
e) Russia
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In India missiles are tested in Wheelers island. Wheelers Island is in? a) Odisha b) West Bengal c) Andhra Pradesh d) Tamilnadu e) Kerala Vijay Kelkar is a famous .? a) writer b) Painter c) Shooter d) golfer e) economist The state with highest population is .? a) Maharashtra b) UP c) West Bengal d) Tamil nadu e) Bihar Bangladesh has conferred its highest state award Swadhinata Sammanona to a) Sonia Gandhi b) Manmohan Singh c) Indira Gandhi d) Taslima Nasreen e) None of these PRAHAAR is a ? a) Tank b) Rocket c) Missile d) Submarine The term carbon credit is associated with ? a) pollution control b) Hydrocarbons c) production of CO2 d) carbon dating e) none of these What is the target of the govt. to provide farm credit in the financial year 2011-12? a) 400000 Crore b) 425000 Crore c) 475000 crore d) 450000 crore e) 375000 crore The newest country in the world is .? a) North Sudan b) South Sudan c) Libya d) Kosovo e) yemen What is the full form of GDP? a) Gross Domestic Price b) General Development Product c) General Domestic Price d) General Development Price e) Gross Domestic Product The head of World Bank is .? a) Ban ki Moon b) Robert Zoelick c) Dominique Straus Kahn d) Angela Merkel e) none of these KYC norms are associated with .? a) Insurance b) Telecom c) banking d) Pension funds e) stock market
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TEST 7 ANSWER KEY 1 5 11 1 21 2 2 2 12 3 22 3 3 4 13 3 23 3 4 4 14 5 24 4 5 3 15 4 25 5 6 1 16 3 7 2 17 4 8 5 18 3 9 1 19 4 10 4 20 1
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TEST 8
13. 1. What is the name of the card issued under UIDAI? a) Job Card b) kissan credit card c) aadhar d) Voter cum ration Card e) None The annual amount of money sanctioned under MPLAD scheme is revised to. Crore from 2 crore? a) 5 Crore b) 4 Crore c) 8 Crore d) 10 Crore e) 3 Crore Fukushima Daiichi nuclear Plant is in? a) South Korea b) China c) Hong Kong d) Japan e) Thailand Who is the new Minister for Rural Development? a) Virbhadra Singh b) Kapil Sibbal c) Jairam Ramesh d) Shard Pawar e) Kumari Shelza Worlds Largest exporter is? a) China b) US c) Germany d) UK e) Japan What is the full form of FRBM? a) The Financial Responsibility and Business Management b) The fiscal Responsibility and budget management c) The management of fiscal and revenue Budget d) The financial responsibility and business management e) None of these 15.
e) Cannon
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COMPETITIVE ZEAL
19. Which of the following is not covered under Priority sector lending? a) Housing b) Education c) Vehicles d) Agriculture e) Personal Loans The age limit for the senior citizens is ..? a) 65 Y b) 62 Y c) 60 Y d) 58 Y e) 80 Y Rural infrastructure fund is maintained by .? a) RBI b) NABARD c) Planning Commission d) Ministry of Rural development e) None The Football World Cup 2014 will be held in ? a) Japan b) US c) Brazil d) Argentina e) France Lionel Messi, a football player belongs to ? a) Brazil b) Argentina c) Italy d) Spain e) Uruguay The state hit by earth quake is ? a) West Bengal b) Uttrakhand c) odishad d) sikkim e) Assam The FDI allowed in Banking sector is? a) 20% b) 26% c) 49% d) 74% e) 100% 3.
Quiz Test Series There are some stocks in the stock market which by nature are low-priced, speculative and risky because of their limited liquidity, following and disclosure. What do we call these stocks? [A] Green Stock [B] Penny Stock [C] Concentrated Stock [D] Microcap stock Recently, we read in the newspapers that the Government is working to overhaul the MGNREGA programme to rid it of all manmade flaws and make the job entitlement more demand driven. In this context, consider the following: 1. The new revamped programme will be tried in 200 districts 2. The emphasis will be on Asset Creation 3. The job will be provided on demand calculated through a labour budget by taking the average employment provided in the past few years. Which among the above is/ are correct statements? [A] Only 1 [B] 1 & 2 [C] 2 & 3 [D] 1, 2 & 3 Consider the following statements about the comprehensive free trade pact (CEPA) between India and Japan, which has come into force from August 1, 2011: 1. CEPA with Japan is third such pact with any country 2. The other two countries which have signed CEPA are Malaysia and Singapore 3. The pact will bring immediate gains to Indian exporters of textiles, seafood and spices to Japan Which among the above statements is / are correct? [A] 1 & 2 [B] 2 & 3 [C] 1, 2 & 3 [D] 1 & 3 Which among the following is the correct full form of the export promotion scheme DEPB? [A] Duty-free Entitlement Passbook [B] Duty Elimination Passbook [C] Duty Entitlement programme [D] Duty Entitlement Passbook What is the growth forecast for the current fiscal year (2011-12) by the Prime Ministers Economic Advisory Council ? [A] 8% [B] 8.2% [C] 8.7% [D] 9% Which among the following is played on a synthetic hard court? [A] French Open [B] Wimbledon [C] US Open [D] Australian Open Which among the following National Park of India has once again became World Heritage Site following removal of the in danger tag by the UNESCOs World Heritage Committee? [A] Jim Corbett [B] Manas [C] Panna [D] Ghana
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TEST 8 ANSWER KEY 1 3 11 3 21 2 2 1 12 3 22 3 3 4 13 1 23 2 4 3 14 3 24 4 5 1 15 2 25 4 6 2 16 5 7 4 17 2 8 1 18 3 9 5 19 5 10 2 20 3

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TEST 9
1. Recently, the government has lifted export restrictions and allowed which among the following commodities to be shipped under open general licenses (OGL)? [A] Rice [B]Wheat [C] Cotton [D]Pulses The P/E is one of the most talked about ratios in the stock market. What does P/E refer to____? [A] Profit to Expenditure [B] Price to Earning [C] Profit to Earning [D] Provisional to Estimates 8.
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COMPETITIVE ZEAL
10. Consider the following countries: 1. Canada 2. Mexico 3. US India is negotiating a Comprehensive Economic Partnership Agreement with which among the above countries? [A] Only 1 [B] 1 & 2 [C] 2 & 3 [D] 1, 2 & 3 Which among the following is the objective of introducing Marginal Standing Facility by RBI in recent Monetary Policy? [A] Contain Inflation [B] Contain volatility in long term inter-bank rates [C] Contain volatility in the overnight inter-bank rates [D] All of above Madhav Gadgil Panel or The Western Ghats Ecology Expert Panel (WGEEP) had, in May 2011 had suggested listing of which among the following regions in the State as Ecologically Significant Area (ESA)? [A] Eastern Ghats [B] Western Ghats [C] Both 1 & 2 [D] Eastern Himalayas Jayanta Talukdar is known as a famous sportsman of ____? [A]Archery [B]Shooting [C]Athletics [D]Judo Who among the following was conferred with Jawaharlal Nehru Award for International Understanding for 2009? [A]Ban ki Moon [B]Angela Merkel [C]Silvio Berlusconi [D] Nicolas Sarkozy Which among the following state leads in the Infant Mortality Rate in India currently? [A]Bihar [B]Madhya Pradesh [C]Uttar Pradesh [D] West Bengal Which among the following committee is known for recommending a 3-tier Panchayati Raj System which includes Zila Parishad at the District Level, Panchayat Samiti at the Block/ Tehsil/ Taluka Level and Gram Panchayat at the Village Level? [A]Balwant Rai Mehta Committee [B]Ashok Mehta Committee [C]GVK Rao Committee [D]Sarkaria Commission Consider the following statements: 1. The High Yielding Variety Programme (HYVP) was launched in the Kharif of 1966-67 2. The programme generally was successful in the wheat producing zones of the country Which among the above statements is/ are correct? [A]Only 1 [B]Only 2 [C]Both 1 & 2 [D]Neither 1 nor 2 18.
Quiz Test Series Consider the following: 1. Dealing with Foreign Exchange 2. Controlling the monetary policy 3. Work as Banker to the Government 4. Control the Government Spending Choose the functions of RBI from the given options: [A] 1 [B]1 2 [C]1 2 3 [D]1 2 3 4 Which among the following is the closest value to the ratio of currency to GDP in India? [A]5% [B]13% [C]22% [D]27% Who among the following has written the book titled The Perils of Democracy? [A] P. S. Ramamohan Rao [B] P. C. Alexander [C] Gurudas Kamat [D] Shankar Dayal Sharm With which among the following countries, India has signed its biggest Defence deal to procure ten C-17 heavylift aircraft for $4.1 billion? [A] United States [B] France [C] Russia [D] Israel Which among the following rivers is known as Yarlung Tsangpo in Tibet? [A] Indus [B] Yamuna [C] Brahamputra [D] Ganges Which among the following personality is known for mooting the idea of Food Coupons? [A] K Rangrajan [B] Kaushik Basu [C] Montek Singh Ahluwalia [D] Nandan Nilkeni Majuli, the largest river island in the world is located in which among the following states of India? [A] Assam [B] Manipur [C] Meghalaya [D] Nagaland Hajigak, which was recently making news for its Iron Ore deposits, is located in which among the following countries? [A] Pakistan [B] Kazakhstan [C] Uzbekistan [D] Afghanistan
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TEST 9 ANSWER KEY 1 3 11 3 21 1 2 2 12 2 22 3 3 2 13 1 23 2 4 2 14 2 24 1 5 4 15 2 25 4 6 4 16 1 7 2 17 3 8 4 18 3 9 2 19 2 10 1 20 2
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COMPETITIVE ZEAL
Quiz Test Series
TEST 10
1. Which f the following nation is the recent one to join None Aligned Movement (NAM)? (a) Fiji (b) Cuba (c) Colombia (d) Iran The recent flight of PSLV C-16 has placed which among the following satellites in orbit? [A] Resourcesat-2 [B]Cartostat 2B [C] Resourcesat -1 [D]INSAT 4C As per seismic zoning map of Government of India, Jaitapur site falls within which among the following? [A]Zone II [B]Zone III [C]Zone IV [D]Zone V From which among the following states, 1st ever post independence Socio-Economic and Caste Census 2011 began on 29 June 2011? [A]Nagaland [B]Tripura [C]Maharastra [D]Kerala What is the minimum annual investment limit in New Pension Scheme ? [A]Rs. 1000 [B]Rs. 6000 [C]Rs. 10000 [D]Rs. 12000 India borrows from the World Bank through International Bank for Reconstruction and Development (IBRD) and International Development Association(IDA). Consider the following statements in this context: 1. IDA funds are one of the most concessional external loans, 2. IBRD funds are costlier and at par with the commercial external borrowings in terms of interest rates 3. IDA loans are used largely Infrastructure projects Which among the above statements is/ are correct? [A] 1 Only [B] 1 & 2 only [C] 1, 2 & 3 [D] 2 & 3 only The Child Labour (Prohibition and Regulation)Act, 1986 prohibits employment of children below which among the following ages in occupations/processes specified in Part A and Part B of the Schedule of that Act? [A]12 years [B]13 years [C]14 years [D]15 years Major recommendation of which among the following committees led to restructure the Swarnajayati Gram Swarojgar Yojna to National Rural Livelihood Mission? [A] Suresh Tendulkar Committee [B] Radhakrishna Committee [C] Y S P Thorat Committee [D] Usha Thorat Committee 15. 9. The Shoreline Change Atlas was recently released for which among the following states of India? [A] Andhra Pradesh [B]Odisha [C] Maharastra [D] Tamil Nadu The Chenchu people in India have been active in protection of wildlife in which among the following protected areas of India? [A] Nagarjunasagar Srisailam (Andhra Pradesh) [B] Similipal (Odisha) [C] Indravati, Udanti-Sitanadi (Chhattisgarh) [D] Palamu (Jharkhand) The Central Pollution Control Board and the State Pollution Control Boards are monitoring the ambient air quality across the country under the National Ambient Air Quality Monitoring Programme. Which among the following cities has been found to have highest NO2 concentration in 2009 as per the latest data? [A] Howrah [B] Delhi [C] Kolkata [D] Asansol Consider the following statements about Liposomes: 1. They are one of the important cell organelles 2. They play important role in storage of lipids in cells 3. They play important role in cell division Which among the above statements is/ are correct? [A] 1 2 & 3 [B] 1 & 2 [C] 2 & 3 [D] None of them RBI was considering the proposal to set up satellite banks and ATMs to provide banking facilities to the villagers in which state ? (A) Bihar (B) Jharkhand (C) Uttar Pradesh (E) Assam Consider the following statements about National Food For Works Programme: 1. It was launched in 150 most backwards districts which were mostly in the tribal belt 2. It envisaged to provide 100 days employment 3. The scheme is currently providing emoployment to BPL families in Rural Areas Which among the above statements is/ are correct? [A] Only 1 [B] 1 & 2 [C] 2 & 3 [D] 1, 2 & 3 The Annan Plan is a plan given by former United Nations Secretary-General Kofi Annan, in context with reunification of which among the following countries? [A] Korea [B] Yemen [C] Cyprus [D] Turkey Gharana Wetland, which was notified the important Bird
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COMPETITIVE ZEAL
Area in recent past is located in which among the following states of India? [A] Haryana [B] Tamil Nadu [C] Jammu & Kashmir [D] Himachal Pradesh 17. Since April 1, 2002 the entire net collections under the small saving schemes are transferred to States/Union Territories in India. This has been referred to as a loan from which among the following accounts? [A] Consolidated Fund of India [B] Consolidated Funds of States [C] Public Account of India [D] None of them Schussing, traversing and edging and turning are the basic maneuvers of which among the following types of skiing? [A] Alpine skiing [B] Nordic skiing [C] Ski- Jumping [D] Freestyle skiing In India, the dollar-rupee exchange rate depends upon: 1. Government Control 2. Demand-supply balance 3. RBIs Monetary policy Choose the correct options: [A] Only 2 [B] 1 & 2 [C] 1 & 3 [D] 1, 2 & 3 Aadhaar can be the basis to open bank accounts because it can provide: 1. Know Your Customer details 2. Social and Financial Status of Customer 3. Repaying Capacity of the Customer Choose the correct options: [A] Only 1 [B] 1 & 2 [C] 1 & 3 [D] 1, 2 & 3 Minimum Support Prices (MSP) is increased based on the recommendation of ? (A) Ministry of Finance (B) Ministry of Agriculture (C) Agriculture Cost and Price Commission (D) Both a & C Now a days Environmental Accounting is making news. What is Environment Accounting? [A] It is a method to measure the consumption of the environment/ natural resources [B] Its a method to statistically analyze the green areas of the country [C] Its a method of accounting in which all units are expressed in terms of loss / gain of Carbon Dioxide [D] Its a method of accounting in which all measurement is expressed in Carbon Credits The common international poverty line is based on an income of around___? [A] $1.00 per day at the 2004 purchasing power parity
Quiz Test Series [B] $1.25 per day at the 2005 purchasing power parity [C] $1.25 per day at the 2007 purchasing power parity [D] $1.25 per day at the 2008 purchasing power parity 24. If Economy of a country picks up very fast then consider the following consequences: 1. Demand picks up 2. Inflation comes down 3. Prices become stable Choose the correct options: [A] Only 1 [B] 1 & 2 [C] 1, 2 & 3 [D] 2 & 3 Which among the following is NOT an Alternative Investment Fund? [A] Private Investment in Public Equity Funds [B] Infrastructure Equity Fund [C] Venture Capital Fund [D] Mutual Fund
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TEST 10 ANSWER KEY 1 1 11 1 21 1 2 1 12 4 22 1 3 2 13 2 23 2 4 2 14 2 24 1 5 2 15 3 25 4 6 1 16 3 7 3 17 3 8 2 18 1 9 2 19 1 10 1 20 3
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COMPETITIVE ZEAL
CWE P.O. (September-2011)
CWE P.O. (SEPTEMBER-2011) Based on Memory

Reasoning Ability
1. A school bus driver starts from the school. drives 2 km. towards North, takes a left turn and drives for 5 km. He then takes a left turn and drives for 8 km. before taking a left turn again and driving for 5 km. The driver finally takes a left turn and drives 1 km. before stopping. How far and towards which direction should the driver drive to reach the school again ? (1) 3 km. towards North (2) 7 km. towards East (3) 6 km. towards South (4) 6 km. towards West (5) 5 km. towards North
Direction for 2-3: Read the following information carefully and answer the questions which follow A, B, C, D, E and F live on different floors in the same building having six floors numbered one to six (the ground floor is numbered 1, the floor above it , number 2 and so on and the topmost floor is numbered 6). A lives on an even numbered floor. There are two floors between the floors on -which D and F live. F lives on a floor above Ds floor. D does not live on floor number 2. B does not live on an odd numbered floor. C does not live on any of the floors below Fs floor. E does not live on a floor immediately above or immediately below the floor on which B lives. 2. 3. Who amongst the following live on the floors exactly between D and F? (1) E, B (2) C, B (3) E, C On which of the following floors does B live ? (1) 6th (2) 4th (3) 2nd (4) A, E (4) 5th (5) B, A (5) Cannot be determined
Direction for 4-5: Study the following information to answer given questions: In a five letter English word (which may or may not be a meaningful English word), there are two letters between L and P. S is not placed immediately next to L. There is only one letter between S and A. S is towards the right of A. S is not placed immediately next to E. 4. Which of the following is correct with respect to the word thus formed ? (1) E is at one of the extreme ends of the word . (3) There are two letters between A and E in the word thus formed (5) None is correct (2) P is not placed immediately next to A (4) P is placed second to the right of E
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Which of the following words will be formed based on the given conditions ? (1) SPAEL (2) PEALS (3) LEAPS (4) SEPAL
(5) LAPSE
Direction for 6-10: In each question below are two/three statements followed by two conclusions numbered I and II. You have to take the two/three given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically 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 conclusion 11 follows. Give answer (4) if neither conclusion I nor conclusion 11 follows. Give answer (5) if both conclusion I and conclusion II follow. 6-7. Statements 6. 7. Conclusions Conclusions All gliders are parachutes. No parachute is an airplane. All airplanes are helicopters. I. No helicopter is a glider. II. All parachutes being helicopters is a possibility. I. No glider is an airplane. II. All gliders being helicopters is a possibility.
COMPETITIVE ZEAL
8. Statements Conclusions Some mails are chats. All updates are chats. I. All mails being updates is a possibility. II. No update is a mail. No stone is a metal. Some metals are papers. All papers are glass. I. No glass is a metal. II. At least some glass is metal. I. All stones being glass is a possibility. II. No stone is a paper.
9-10. Statements 9. 10. Conclusions Conclusions
Direction 11-15: Study the following information to answer the given questions A word and number arrangement machine when given an input line of words and numbers rearranges them following a particular rule. The following is an illustration of input and rearrangement. (All the numbers are two digits numbers.) Input sine 88 71 cos theta 14 56 gamma delta 26 Step I cos sine 71 theta 14 56 gamma delta 26 88 Step II delta cos sine theta 14 56 gamma 26 88 71 Step III gamma delta cos sine theta 14 26 88 71 56 Step IV sine gamma delta cos theta 14 88 71 56 26 Step V theta sine gamma delta cos 88 71 56 26 14 and Step V is the last Step of the arrangement of the above input as the intended arrangement is obtained. As per the rules followed, in the above steps, find out in each of the following questions the appropriate steps for the given input, Input for the questions Input : for 52 all 96 25 jam road 15 hut 73 bus stop 38 46 (All the numbers given in the arrangement are two digit numbers) 11. 12. Which word/number would be at 8th position from the right in Step IV ? (1) 15 (2) road (3) hut Which step number would be the following output ? bus all for 52 25 jam road 15 hut stop 38 46 96 73 (1) There will be no such step (2) 111 (4) jam (5) stop
(3) II
(4) V
(5) VI
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Which of the following would be Step VII ? (1) stop road jam hut for bus all 15 96 73 52 46 38 25 (2) road jam hut for bus all stop 15 25 38 46 52 73 96 (3) stop road jam hut for bus all 96 73 52 46 38 25 15 (4) jam hut for bus all 25 road stop 15 96 73 52 46 38 (5) There will be no such step as the arrangement gets established at Step VI Which word/number would be at the 6th position from the left in Step V ? (1) 25 (2) stop (3) jam Which of the following would be the Step III ? (1) hut for bus all 25 jam road 15 stop 38 96 73 52 46 (3) hut for bus all jam road 15 stop 38 96 73 52 46 25 (5) None of these (4) all (5) road
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(2) for bus all 25 jam road 15 hut 38 stop 96 46 73 52 (4) for bus all 25 jam road 15 hut stop 38 46 96 73 52
Direction for 16-20: Study the following information carefully and answer the given-questions. Representatives from eight different Banks viz. A, B, C, D, E, F, G and H are sitting around a circular table facing the centre but not necessarily in the same order. Each one of them is from a different Bank viz. UCO Bank, Oriental Bank of Commerce, Bank of Maharashtra, Canara Bank, Syndicate Bank, Punjab National Bank, Bank of India and Dena Bank. F sits second to right of the representative from Canara Bank. Representative from Bank of India is an immediate neighbour of the representative from Canara Bank. Two people sit between the representative of Bank of India and B. C and E are immediate
COMPETITIVE ZEAL
neighbours of each other. Neither C nor E is an immediate neighbour of either B or the representative from Canara Bank. Representative from Bank of Maharashtra sits second to right of D. D is neither the representative of Canara Bank nor Bank of India. G and the representative from UCO Bank are immediate neighbours of each other. B is not the representative of UCO Bank. Only one person sits between C and the representative from Oriental Bank of Commerce. H sits third to left of the representative from Dena Bank. Representative from Punjab National Bank sits second to left of the representative from Syndicate Bank. 16. Four of the following five are alike in a certain way based on the given arrangement and thus form a group. Which is the one that does not belong to that group ? (1) H UCO Bank (2) A Canara Bank (3) D Bank of Maharashtra (4) E Syndicate Bank (5) F Punjab National Bank Which of the following is true with respect to the given seating arrangement ? (1) B is the representative from Bank of Maharashtra (2) G , sits second to right of H (3) The representative from Dena Bank sits to the immediate left of the representative from UCO Bank (4) A sits second to right of the representative from Bank of India (5) The representatives from Bank of Maharashtra and Syndicate Bank are immediate neighbours of each other Who amongst the following sit exactly between B and the representative from Bank of India ? (1) A and the representative from UCO Bank (2) F and G (3) 11 and the representative from Bank of Maharashtra (4) H and G (5) Representatives from Syndicate Bank and Oriental Bank of Commerce Who amongst the following is the representative from Oriental Bank of Commerce ? (1) A (2) C (3) H (4) G (5) D
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Who amongst the following sits second to left of B ? (1) C (2) H (3) The representative from Canara Bank (4) The representative from Punjab National Barak
(5) G
Direction for 21-25: Each of the questions below consists of a question and three statements numbered 1, 11 and III given below it. You have to decide whether the data provided in the statements are sufficient to answer the question. 21. How many daughters does W have ? I. B and D are sisters of M. II. Ms father T is husband of W. III. Out of the three children which T has, only one is a boy. (1) Only I and III (2) All I, 11 and III are required to answer the question. (3) Only II & III (4) Question cannot be answered even with all I, II and Ill (5) Only I and II Who among A, B, C, D, E and F each having a different height, is the tallest ? I. B is taller than A but shorter than E. II Only two of them are shorter than C. III. D is taller than only F. (1) Only I and II (2) Only I and III (3) Only II & Ill (4) All I, II and Ill are required to answer the question (5) All I, II and III are not sufficient to answer the question Towards which direction is village J from village W ? I. Village R is to the west of Village W and to the north of Village T. II. Village Z is to the east of Village J and to the south of Village T. III. Village M is to the north east of Village J and north of Village Z. (1) Only III (2) Only II and III (3) All I, II and III are required to answer the question (4) Question cannot be answered even with all I, II and III (5) None of these
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COMPETITIVE ZEAL
24.
On which day of the week starting from Monday did Suresh visit Chennai ? I. Suresh took leave on Wednesday. II. Suresh visited Chennai the day after his mothers visit to his house III. Sureshs mother visited Sureshs house neither on Monday nor on Thursday (1) Only II and III (2) Only I and II (3) Only I & 111 (4) All I, II and III are required to answer the question (5) Question cannot be answered even with all I, II and III How is go written in a code language ? I. now or never again is written as tom ka na sa in that code language. II. you come again now is written as ja ka to sa in that code language III. again go now or never is written as na ho ka sa tom in that code language (1) Only I and III (2) Only II and III (4) All I, II and III are required to answer the question (5) None of these
25.
(3) Only I & II
Direction for 26-30: Study the following information carefully and answer the questions given below P, Q, R, S, T, V, W and Z are travelling to three destinations Delhi, Chennai and Hyderabad in three different vehicles Honda City, Swift DZire and Ford Ikon. There are three females among them one in each car. There are at least two persons in each car. R is not travelling with Q and W. T, a male, is travelling with only Z and they are not travelling to Chennai. P is travelling in Honda City to Hyderabad. S is sister of P and travels by Ford Ikon. V and R travel together. W does not travel to Chennai. 26. Members in which car are travelling to Chennai ? (1) Honda City (2) Swift DZire (4) Tither Swift DZire or Ford Ikon (5) None of these In which car are four members travelling,? (1) None (4) Ford Ikon (3) Ford Ikon
27.
(2) Honda City (3) Swift Dzire (5) Honda City or Ford Ikon
28. 29. 30. 31.
Which of the following combinations represents the three female members ? (1) QSZ (2) WSZ (3) PSZ (4) Cannot be determined (5) None of these Who is travelling with W ? (1.) Only Q (2) Only P (3) Both P and Q (4) Cannot be determined (5) None of these (5) None of these
Members in which of the following combinations are travelling in Honda City ? (1) PRS (2) PQW (3) PWS (4) Data inadequate
It has been reported in recent years that a very large number of seats in the engineering colleges in the country remain vacant at the end of the admission session. Which of the following may be the probable cause of the above effect ? (1) There has been a considerable decrease in hiring of engineering graduates due to economic slowdown in the recent years (2) Students have always preferred to complete graduation in three years time instead of four years for engineering. (3) The Govt. has recently decided to provide post qualification professional training to all engineering graduates at its own cost. (4) There has always been a very poor success rate among the engineering students. (5) None of these The condition of the roads in the city has deteriorated considerably during the first two months of monsoon and most of the roads have developed big pot holes. Which of the following can be a possible effect of the above cause ? (1) The municipal corporation had repaired all the roads in the city before onset of monsoon with good quality material (2) A large number of people have developed spine related injuries after regularly commuting long distances by road within the city. (3) The municipal corporation has been careful in choosing the contractors for repairing roads in the past. (4) People always complain about potholed roads during the monsoon months.
32.
COMPETITIVE ZEAL
(5) None of these 33.
Majority of the students who appeared in the final examination of post graduate course in management in the local college have secured first class which is comparatively higher than the performance of students of other management colleges in the state. Which of the following may indicate that the results are not in line with the general trend ? (1) The students of the local college are qualitatively better than those of other colleges (2) The authorities of the other management colleges in the state are stricter in their standard of evaluation for their students. (3) The students of other management colleges in the state performed better than the students of the local college in all the previous examinations. (4) The local management college recently retrenched many of its regular faculty members. (5) None of these It has been reported in many leading newspapers that the current years monsoon may be below the expected level as many parts of the country are still not getting adequate rainfall. Which of the following can be a possible fallout of the above situation ? (1) People from those affected areas with less rainfall may migrate to urban areas (2) Govt. may announce ex-gratia payment to all the farmers affected in these areas (3) Govt. may declare these areas as drought affected areas. (4) People may blame the govt. and agitate for not getting adequate water for cultivation (5) None of these There has been a spate of rail accidents in India in the recent months killing large numbers of passengers and injuring many more. This has raised serious doubts about the railways capability of providing safety to travelers. Which of the following statements substantiates the views expressed in the above statement ? (1) Indian Railways has come to be known to provide best passenger comfort in the recent years (2) People have no option other than travelling by rail over long distances. (3) The railway tracks at many places have been found to be stressed due to wear and tear in the recent times. (4) Local residents are always the first to provide a helping hand to the passengers in the event of such disasters. (5) None of these A few travelers were severely beaten up by villagers recently in a remote rural part of the state as the villagers found the movement of the travellers suspicious. The district authority has sent a police team to nab the culprits. Which of the following inferences can be drawn from the above statement ? (An inference is something which is not directly stated but can be inferred from the given facts) (1) The villagers dislike presence of strangers in their vicinity. (2) Villagers are generally suspicious in nature. (3) Travellers prefer to visit countryside. (4) The Govt. generally provides protection to travellers across the country. (5) None of these There has been a considerable drop in sales of four wheelers during the past six months when compared to the number of four wheelers sold during this period last year. Which of the following can the probable cause of the above phenomenon ? (A) The govt. has imposed higher excise duty on four wheelers at the beginning of this year. (B) The petrol prices have risen considerably during the past eight months. (C) The rate of interest on home and car loans have been rising for the past seven months. (1) All (A), (B) & (C) (2) (A) & (C) Only (3) (B) & (C) Only (4) (B) Only (5) (A) Only There is an alarming trend of skewed sex ratio against women in India during the past decade and situation may get out of hand if adequate steps are not taken to stop female foeticide. Which of the following can be an effective step to reverse the trend ? (A) The Govt. should immediately completely ban use of scanners/ sonography on expectant mothers at ail health centres (B) The Govt. should announce a substantial incentive scheme for couples who have at least one girl child.
34.
35.
36.
37.
38.
COMPETITIVE ZEAL
(C) The Govt. should launch a nationwide campaign to create awareness against female foeticide. (1) (A) only (2) (A) & (B) Only (3) (B) & (C) Only (4) All (A), (B) & (C) 39.
(5) None of these
A very large number of technically qualified young Indians are coming out of colleges every year though there are not enough opportunities for them to get gainful employment. Which of the following contradicts the views expressed in the above statement ? (1) Technically qualified persons are far superior to those with standard degrees like BA/B.Sc./B.Com. etc. (2) The Govt. has not done effective perspective planning for engaging technically qualified personnel -while authorizing the setting up of technical colleges. (3) A huge gap exists between the level of competence of technically qualified graduates and requirement of the industry. (4) Majority of the technically qualified persons are migrating from India to developed countries for better opportunities. (5) None of these The govt. has appealed to all citizens to use potable water judiciously as there is an acute shortage in supply. Excessive use may lead to huge scarcity in future months. Which of the assumptions is implicit in the above statement ? (An assumption is something supposed or taken for granted) (l) People may ignore the appeal and continue using water as per their consideration. (2) Govt. may be able to tap those who do not respond to the appeal (3) Govt. may be able to put in place alternate sources of water in the event of a crisis situation. (4) Large number of people may positively respond to the govt.s appeal and help tide over the crisis. (5) Only poor are going to suffer from this shortage of water supply
40.
Direction for 41-45: The first figure in the first unit of the problem figures bears a certain relationship to the second figure. Similarly one of the figures in the answer figures bears the same relationship to the second figure in the second unit of the problem figures. You are therefore to locate the figure which would fit in the question mark. PROBLEM FIGURES ANSWERFIGURES
COMPETITIVE ZEAL
46-50. In each of the questions given below which one of the five answer figure on the right should come after in the problem figures on the left, if the sequence were continued? PROBLEM FIGURES ANSWER FIGURES
Quantitative Aptitude
Direction for Q.51-55: What will come in place of the question mark (?) in the following questions ? 51. 52. 3463 295 - 18611 = ? + 5883 (1) 997091 (2) 997071 (23.1)2 x ? = (48.6)2 - (39.8)2 + 1147.69 (1) (13.6)2 53. (1)0.5 54. (1)) 2 55. (2) 8 (3) 382 (4) 386 (5) None of these (2) 12.8 (3) 3.614 (4) 12.8 (5) None of these (3) 997090 (4) 999070 (5) None of these
=?
(2) 0.75 (3) 1 (4) 2 (5) None of these
11449 x 6241 - (54) 2 = (?)2 + (74)2
(1) 3844
(2) 3721
(3) 3481
(4) 3638
(5) None of these
COMPETITIVE ZEAL
Direction for Q. 56-60: What approximate value should come in place of the question mark in the following questions ? (Note : You are not expected to calculate the exact value.) 56. 57. 39.897% of 4331 + 58.779% of 5003 = ? (1) 4300 (2) 4500 43193.103 2111.02 x 401.04 = ? (1) 8800 (2) 7600 34.993 = ? (1) 3000 59. (1) 7600 60. 59.88 12.21 6.35 = ? (1) 10 (2) 2800 + 349 = ? 21.003 (2) 7650 (2) 50 (3) 7860 (3) 30 (4) 7560 (4) 70 (5) 7680 (5) 90 (3) 2500 (4) 3300 (5) 2600 (3) 4700 (3) 7400 (4) 4900 (4) 9000 (5) 5100 (5) 8300
58.
Direction for Q. 61-65: In the following number series only one number is wrong. Find out the wrong number. 61. 62. 63. 64. 65. 66. 7 12 (1) 7 40 222 1742 17390 (2) 12 2935 208608 (3) 40 (3) 584 (3) 5675 823543 (3) 46656 263.25 131.625 (3) 4212 (4) 25 (4) 8424 (5) 256 (5) 263.25 (4) 1742 (4) 2935 (4) 2147 (5) 208608 (5) 35277 (5) 1077
6 91 584 (1) 91
11756 35277 70558 (2) 70558 2147 1418 (2) 1418 3125 46656 (2) 823543 1077 950
9050 5675 3478 (1) 3478 1 4 25 (1) 3125 8424 4212 (1) 131.625 256
2106 1051 526.5 (2) 1051
Rubina could get equal number of Rs. 55/-, Rs. 85/- and Rs. 105/- tickets for a movie. She spents Rs. 2,940/-for all the tickets. How many of each did she buy ? (1) 12 (2) 14 (3) 16 (4) Cannot be detemined (5) None of these The simple interest accrued on an amount of Rs. 22,500/- at the end of four years is Rs. 10,800/-. What would be the compound interest accrued on the same amount at the same rate at the end of two years ? (1) Rs. 16,908/(2) Rs. 5,724/(3) Rs. 28,224/(4) Rs. 8,586/(5) None of these The respective ratio between the present age of Manisha and Deepali is 5 : X. Manisha is 9 years younger than Parineeta. Parineetas age after 9 years will be 33 years. The difference between Deepalis and Manishas age is same as the present age of Parineeta. What will come in place of X ? (1) 23 (2) 39 (3) 15 (4) Cannot be determined (5) None of these Ramolas monthly income is three times Ravinas monthly income. Ravinas monthly income is fifteen percent more than Ruchiras monthly income. Ruchiras monthly income is Rs. 32,000/-. What is Ramolas Annual income ? (1) Rs. 1,10,400/(2) Rs. 13,24,800/(3) Rs. 36,800/(4) Rs. 52,200/(5) None of these An HR Company employs 4800 people, out of which 45 percent are males and 60 percent of the males are either 25 years or older. How many males, are employed in HR Company who are younger than 25 years ? (1) 2640 (2) 2160 (3) 1296 (4) 864 (5) None of these Seema bought 20 pens, 8 packets of wax colours, 6 calculators and 7 pencil boxes. The price of one pen is Rs. 7/-, one packet of wax colour is Rs. 22/-, one calculator is Rs. 175/- and one pencil box is Rs. 14/-more than the combined price of one pen and one packet of wax colours. How much amount did Seema pay to the shopkeeper ? (1) Rs. 1,491/(2) Rs. 1,725/(3) Rs. 1,667/(4) Rs. 1,527/(5) None of these
67.
68.
69.
70.
71.
COMPETITIVE ZEAL
72.
The average marks in English subject of a class of 24 students is 56. If the marks of three students were misread as 44, 45 and 61 of the actual marks 48, 59 and 67 respectively, then what would be the correct average ? (1) 56.5 (2) 59 (3) 57.5 (4) 58 (5) None of these In a test, a candidate secured 468 marks out of maximum marks A. If the maximum marks A were converted to 700 marks, he would have secured 336 marks. What were the maximum marks of the test ? (1) 775 (2) 875 (3) 975 (4) 1075 (5) None of these Six-eleventh of a number is equal to twenty two percent of second number. Second number is equal to the one-fourth of third number. The value of the third number is 2400. What is the 45% of first number ? (1) 109.8 (2) 111.7 (3) 117.6 (4) 123.4 (5) None of these In an Entrance Examination Ritu scored 56 percent marks, Smita scored 92 percent marks and Rina stored 634 marks. The maximum marks of the examination are 875. What are the average marks scored by all the three girls together ? (1) 1929 (2) 815 (3) 690 (4) 643 (5) None of these
73.
74.
75.
Direction for Q. 76-80: Study the given information carefully to answer the questions that follow. An urn contains 4 green, 5 blue, 2 red and 3 yellow marbles. 76. If two marbles are drawn at random, what is the probability that both are red or at least one is red ? (1) 77. 78. 79. 80. (2) (3)199/364 (4) 188/191 (5) None of these
If three marbles are drawn at random, what is the probability that at least one is yellow ? (1)1/2 (2)199/364 (3) 165/364 (4) 8/11
(5) None of these
If eight marbles are drawn at random, what is the probability that there are equal number of marbles of each colour ? (1) 4/7 (2) 361/729 (3) 60/1001 (4) 1/1 (5) None of these If three marbles are drawn at random, what is the probability that none is green ? (1) 2/7 (2) 253/729 (3) 10/21 (4) 14/91 If four marbles are drawn at random, what is the probability that two are blue and two are red ? (1) 10/1001 (2) 9/14 (3 ) 17/365 (4) 2/7 (5) None of these (5) None of these
Direction for Q. 81-85 : Study the table carefully to answer the questions that follow Number of people visiting six different Super-markets and the percentage of Men, Women and Children visiting those Supermarkets Names of the Super-markets A B C D E F 81. Total Number of People 34560 65900 45640 55500 42350 59650 35 37 35 41 06 24 Percentage of 55 43 45 26 70 62 10 20 20 33 24 14
Number of men visiting Super-market D forms approximately what percent of the total number of people visiting all the Supermarkets together ? (1) 11 (2) 5.5 (3) 13 (4) 9 (5) 7.5 Number of children visiting Super-market C forms what percent of number of children visiting Super market F ? (rounded off to two digits after decimal) (1) 91.49 (2) 49.85 (3) 121.71 (4) 109.30 (5) None of these
82.
COMPETITIVE ZEAL
83. 84. 85. What is the total number of children visiting Super-markets B and D together ? (1) 18515 (2) 28479 (3) 31495 (4) 22308 What is the average number of women visiting all the Super-markets together ? (1) 24823.5 (2) 22388.5 (3) 26432.5 (4) 20988.5
(5) None of these (5) None of these
What is the respective ratio of number of women visiting Super-markets A to those visiting Super market C ? (1) 35:37 (2) 245 : 316 (3) 352 : 377 (4) 1041 : 1156 (5) None of these
Direction for Q. 86-90: Study the following pie-chart and answer the questions given below :
86.
What is the difference between the total number of students who prefer Beverage A and C together and the total number of students who prefer Beverage D and F together ? (1) 959 (2) 955 (3) 952 (4) 954 (5) None of these What is the respective ratio between the number of students who prefer Beverage F and the number of students who prefer Beverage A ? (1) 3 : 11 (2) 3 : 13 (3) 6 : 11 (4) 5:11 (5) None of these The number of students who prefer Beverage E and F together are what percent of the total number of students ? (1) 18 (2) 14 (3)726 (4) 24 (5) None of these The number of students who prefer Beverage C are approximately what percent of the number of students who prefer Beverage D ? (1) 7 (2) 12 (3) 18 (4) 22 (5) 29 How many students prefer Beverage B and Beverage E together ? (1) 2312 (2) 2313 (3) 2315 (4) 2318 (5) None of these
87.
88. 89.
90.
COMPETITIVE ZEAL
Direction for 91-95: Study the table carefully to answer the questions that follow :
Percentage of Marks Obtained by Different Students in Different Subjects of MBA SUBJECTS (Maximum Marks) Students Anushka Archit Arpan Garvita Gunit Pranita 91. 92. Strategic Brand Compensation Consumer Service Training & Management (150) Management (100) Management (150) Behavior (125) Marketing (75) Development (50) 66 82 76 90 64 48 75 76 66 88 70 56 88 84 78 96 68 50 56 96 88 76 72 68 56 92 72 84 68 64 90 88 70 86 74 58
How many marks did Anushka get in all the Subjects together ? (1) 369 (2) 463 (3) 558
(4) 496
(5) None of these
Marks obtained by Garvita in Brand Management are what percent of marks obtained by Archit in the same Subject ? (rounded off to two digits after decimal) (1) 86.36 (2) 101.71 (3) 115.79 (4) 133.33 (5) None of these What are the average marks obtained by all students together in Compensation Management ? (1)116 (2) 120 (3) 123 (4) 131 Who has scored the highest total marks in all the subjects together ? (1) Archit (2) Gunit (3) Pranita (4) Garvita (5) None of these (5) Arpan (5) None of these
93. 94. 95.
How many Students have scored the highest marks in more than one Subject ? (1) three (2) two (3) one (4) none
Direction for Q. 96-100: Study the following graph and answer the questions given below : No. of students (in thousands) who opted for three different specializations during the given five years in a University
96.
Out of the total number of students who opted for the given three subjects, in the year 2009, 38% were girls. How many boys opted for Mathematics in the same year ? (1) 1322 (2) 1332 (3) 1312 (4) Cannot be determined (5) None of these if the total number of students in the University in the year 2007 was 455030, then, the total number of students who opted for the given three subjects were approximately what percent of the total students ? (1) 19 (2) 9 (3) 12 (4) 5 (5) 23
97.
COMPETITIVE ZEAL
98.
What is the total number of students who opted for Hindi and who opted for Mathematics in the years 2006, 2007 and 2009 together ? (1) 97000 (2) 93000 (3) 85000 (4) 96000 (5) None of these 99. The total number of students who opted for Mathematics in the years 2005 and 2008 together are approximately what percent of the total number of students who opted for all three subjects in the same years ? (1) 38 (2) 28 (3) 42 (4) 32 (5) 48 100. What is the respective ratio between the number of students who opted for English in the years 2006 and 2008 together and the number of students who opted for Hindi in the year 2005 and 2009 together ? (1) 11 : 5 (2) 12 : 7 (3) 11 : 7 (4) 12 : 5 (5) None of these
General Awareness
101. Which of the following countries recently conferred its Highest State Honour on Late Mrs. Indira Gandhi for her contribution in its Liberation war ? (1) South Sudan (2) Bangladesh (3) Bhutan (4) Slovakia (5) Croatia 102. Which of the following statement is true ? (1) Banks cannot accept demand and time deposits from public. (2) Banks can accept only demand deposits from public. (3) Banks can accept only time deposits from public. (4) Banks can accept both demand and time deposits from public. (5) Banks can accept demand and time deposits only from government. 103. Interest payable on savings bank accounts is (1) not regulated by RBI. (2) regulated by Sate Governments. (3) regulated by Central Government. (4) regulated by RBI. (5) regulated by Finance minister. 104. Which of the following is the correct statement ? (1) State bank of India is the sole authority to issue and manage currency in India. (2) A nationalized bank is the sole authority to issue and manage currency in India. (3) A cooperative bank is the sole authority to issue and manage currency in India. (4) RBI is the sole authority to issue and manage currency in India. (5) None of these 105. The Home Minister of India was recently on a visit to Bangladesh where both the countries signed a Coordinated Border Management Plan (CBMP). What are major points of this agreement ? (1) The plan will help in resolving long pending border dispute between both the nations. (2) The head count of the people living in enclaves on the border will be completed within next six months time. (3) India assured that no BSF Jawan will open fire on the people crossing the borders unless there is an attack on them. (1) Only (A) (2) Only (B). (3) Only (C) (4)All (A), (B) & (C) (5) Both (A) & (C) 106. The Govt. of India recently decided to raise the price of oil products like, diesel, petrol and cooking gas. However, some taxes on these products were reduced or scrapped all together. What were these taxes which were reduced or scrapped ? (1) Custom Duty (2) VAT (3) Excise Duty (1) Only (A) (2) Both (A) & (B) (3) Both (A) & (C) (4) Both (B) & (C) (5) Ali (A), (B) & (C) 107. The President of India was recently on a visit to South Korea and Mongolia. During her visit some agreements were signed by both the countries. Which of the following was a common area on which India signed agreements with South Korea and Mongolia both ? (1) Peaceful use of Nuclear energy (2) Export of edible oil to South Korea and Mongolia (3) Providing technical help to become self sufficient in production of food grains (4) Willingness of both the countries to support Indias bid to have permanent seat in LIN Security Council (5) To hold Olympic games in 2022 in New Delhi jointly with South Korea and Mongolia
COMPETITIVE ZEAL
108. Iran recently threatened that it will stop supply of oil to India if the payment issue is NOT sorted out, quickly. What is the problem in payment to Iran ? (1) The oil supplied by Iran is of substandard quality. Hence India suspended the supply and stopped the payment. (2) Indian banks have stopped transfer of money to Iran as UN has imposed sanctions on Iran. (3) India is bound to purchase oil only from OPEC members. Iran has abandoned the membership of OPEC, which has created a problem in payments. (1) Only (A) (2) Only (B) (3) Only (C) (4) All (A), (B) & (C) (5) None of these 109. Accounts are allowed to be operated by cheques in respect of (1) Both Savings bank accounts and fixed deposit accounts (2) Savings bank accounts and current accounts (3) Both Savings bank accounts and loan accounts. (4) Both Savings bank accounts and cash accounts only. (5) Both Current accounts and fixed deposit accounts 110. Yingluck Shinawatra has won recently held elections to become first woman Prime Minister of (1) Myanmar (2) South Korea (3) North Korea (4) Thailand (5) China 111. Which of the following is correct statement ? (1) Normally no interest is paid on current deposit accounts. (2) Interest is paid on current accounts at the same rate as term deposit accounts. (3) The rate of interest on current account and savings account are the same. (4) No interest is paid on any deposit by the bank. (5) Savings deposits are the same as current deposits. 112. The Lokayukta of which of the following States had submitted a report on illegal mining of iron ore in the State ? (1) Andhra Pradesh (2) Tamil Nadu (3) Karnataka (4) Orissa (5) None of these 113. The usual deposit accounts of banks are (1) Current accounts, electricity accounts and insurance premium accounts (2) Current accounts, Post office savings bank accounts and term deposit accounts (3) Loan accounts, savings bank accounts and term deposit accounts (4) Current accounts, savings bank accounts and term deposit accounts (5) Current bill accounts and term deposit accounts 114. Fixed deposits and recurring deposits are (1) repayable after an agreed period. (2) repayable on demand. (3) not repayable. (4) repayable after death of depositors. (5) repayable on demand or after an agreed period as per banks choice. 115. Almost all the major economies of the world had reacted sharply on the issue of USAs ceiling limit on its debt. Why was the issue so important for other nations, which otherwise was an internal matter for USA ? (This was during last month of July 2011, till Senats decision) (A). The Senats decision on the issue might have caused US dollar to weaken further or get strengthened in international markets. (B) Weakening of the dollar might have pushed up Euro and other major currencies up and some European countries which were already in trouble would have faced a new crisis. (C) Debt limit was directly related to liquidity position of banks in USA. (1) Only (A) (2) Only (B) (3) Only (A) & (B) both (4) Only (B) & (C) both (5) All (A), (B) & (C) 116. Which of the following is NOT a Millennium Goal set by the UNO ? (1) Eradicate extreme poverty and hunger (2) Reduce child mortality (3) Ensure environmental sustainability (4) Combat terrorism and bring people in main stream of society (5) Achieve universal primary education 117. Financial inclusion means provision of________ (1) financial services namely, payments, remittances, savings, loans and insurance at affordable cost to persons not yet given the same. (2) ration at affordable cost to persons not yet given the same. (3) house at affordable cost to persons not yet given the same. (4) food at affordable cost to persons not yet given the same. (5) education at affordable cost to persons not yet given the same.
COMPETITIVE ZEAL
118. Which of the following Statements containing results of Indias recent Census is NOT correct ? (1) Kerala has about 94% literacy, the highest in India (2) The Sex Ratio in India is 940 (3) Male literacy is lower than female literacy in seven most developed states (4) Uttar Pradesh is the most populous State in India (5) The population of India has increased by 181 million during the decade 2001-2011 119. Which of the following is known as cross selling by Banks ? (A) Sale of a debit card to a credit card holder (B) Sale of Insurance policy to a depositor (C) Issuance of Cash against Cheque presented by a third party (1) Only (A) (2) Only (B) (3) Only (C) (4) Both (A) & (C) (5) All (A), (B ) & (C) 120. Angela Merkel was recently in India to receive Jawaharlal Nehru Award for International Understanding for the year 2009. What has been her contribution in the international politics which made her the Best Choice for the award ? (A) She played a major role in restarting negotiations between Russia and USA on STAR. (B) She initiated Health Care Reforms in Germany and solved problems related to future energy development. (C) She played a crucial role in negotiation of the Treaty of Lisbon and Berlin declaration. (1) Only (B) & (C) (2) Only (A) & (B) (3) Only (C) (4) Only (A) & (C) (5) None of these 121. Japan won the womens Football World Cup 2011 by defeating (1) England (2) Germany (3) Argentina (4) USA (5) China 122. Which of the following states became the first state in the country to launch RBIs e-payment system for commercial tax payers ? (1) AndhraPradesh (2) Kerala (3) Gujarat (4) Maharashtra (5) Karnataka 123. When a bank returns a cheque unpaid, it is called (1) payment of the cheque (2) drawing of the cheque (3) cancelling of the cheque (4) dishonor of the cheque (5) taking of the cheque 124. Mortgage is a (1) security on movable property for a loan given by a bank. (2) security on immovable property for a loan given by a bank. (3) concession on immovable property for a loan given by a bank. (4) facility on immovable property for a loan given by a bank. (5) security on immovable property for a deposit received by a bank. 125. The worlds highest Rail Bridge is being constructed in the State of Jammu & Kashmir. This bridge will be on which of the following rivers ? (1) Jhelum (2) Chenab (3) Indus (4) Ravi (5) None of these 126. Which of the following films was NOT directed by Mani Kaul, who died recently ? (1) 3 Idiots (2) Ghashiram Kotwal (3) Uski Roti (4) Duvidha (5) Ashad Ka Ek Din 127. The President of which of the following countries is accused of violation of War Powers Act of his country when he decided to attack Libya with other NATO countries in June 2011 ? (1) USA (2) France (3) Germany (4) Spain (5) Italy 128. Which of the following schemes is launched by the Govt. of India to provide an identity to its all resident citizens and also in identifying people who are poorest, often the last to stand up to ask for their share in govt. schemes or lack identity ? (1) Public Provident Fund scheme (2) Indira Gandhi Old Age Pension scheme (3) Social Security Scheme for Gramin Dak Sevaks (4) M. G. National Rural Employment Guarantee Act (5) Aadhaar Card scheme 129. Which of the following types of accounts are known as Demat Accounts ? (1) Accounts which are Zero Balance Accounts (2) Accounts which are opened to facilitate repayment of a loan taken from the bank. No other business can be conducted from there (3) Accounts in which shares of various companies are traded in electronic form (4) Accounts which are operated through internet banking facility (5) None of these
COMPETITIVE ZEAL
130. Who amongst the following won the Wimbledon Mens Finals 2011 which was also his first Wimbledon Title ? (1) Rafael Nadal (2) Novak Djokovic (3) Robert Bruce (4) Lleyton Hewitt (5) None of these 131. Who is the chairman of the committee constituted by RBI to study Issues and concerns in the Micro Finance Institutions (MFI) Sector ? (1) Y. H Malegam (2) Dr K. C. Chakraborty (3) C. Rangrajan (4) M. Damodaran (5) Smt Usha Thorat 132. Upper limit rescribed for RTGS transaction is (1) Rs. 1 lac (2) Rs. 2 lacs (3) Rs. 5 lacs (4) Rs. 50 lacs (5) No upper limit is prescribed 133. Distribution of insurance products and insurance policies by banks as corporate agents is known as (1) General Insurance (2) Non-life insurance (3) Bancassurance (4) Insurance banking (5) Deposit insurance 134. In order to attract more foreign exchange the Govt. of India decided to allow foreign investment in LLP firms. What is full form of LLP as used in this reference ? (1) Local Labour Promotion (2) Low Labour Projects (3) Limited Loan Partnership (4) Longer Liability Partnership (5) Limited Liability Partnership 135. NEFT means (1) National Electronic Funds Transfer system (2) Negotiated Efficient Fund Transfer System (3) National Efficient Fund Transfer Solution (4) Non Effective Fund Transfer System (5) Negotiated Electronic Foreign Transfer system 136. Who among the followings has been appointed as a director on board of Bank of America - the first non-American on the board of the one of the largest financial institutions in the world ? (1) Azim Premji (2) Ratan Tata (3) Mukesh Ambani (4) K . V. Kamath (5) Chanda Kocher 137. When the rate of inflation increases (1) purchasing power of money increases (2) purchasing power of money decreases (3) value of money increases (4) purchasing power of money remains unaffected (5) amount of money in circulation decreases 138. POSCO is in the process of establishing its plants in, India. What does the letterPdenote in the name POSCO ? (1) Popular (2) Pallin (3) Pohang (4) Paradeep (5) Petersburg 139. Who amongst the following has become the Chief Minister of a State in India third time consecutively ? (1) Tarun Gagoi (2) Nitish Kumar (3) J. Jayalalitha (4) Mamta Banerjee (5) None of these 140. Who amongst the following is the winner of Man Booker Prize - 2011 ? (1) Andrea Levy (2) Nicola Barker (3) Tom McCarthy (4) Linda Grant (5) Philip Roth 141. Interest on savings bank account is now calculated by banks on (1) minimum balance during the month (2) minimum balance from 7th to last day of the month (3) minimum balance from 10th to last day of the month (4) maximum balance during the month (5) daily product basis 142. The third International Conference of the Trade Unions was organized in June 2011 in (1) Vienna (2) Moscow (3) London (4) Paris (5) Berlin 143. A centralized database with online connectivity to branches, internet as well as ATM-network which has been adopted by almost all major banks of our country is known as (1) investment banking (2) core banking (3) mobile banking (4) national banking (5) specialized banking 144. The Govt. of India recently decided to lift four years old ban on export of wheat. What was the reason for the same ? (A) India had a bumper crop of wheat in last two years. Hence it has excess stock of wheat. (B) As per the Food Security Act India is bound to provide 10 million tones of wheat to World Food Grain stock every year. India defaulted last year. This year it does not want to be one. (C) As advised by the Supreme Court of India, the money received from export should be used to pay subsidy to the farmers. (1) Only (B) (2) Only (A) (3) Only (C) (4) Both (A) & (B) (5) All (A), (B) & (C)
COMPETITIVE ZEAL
145. Which of the following is not considered a money market instrument ? (1) Treasury bills (2) Repurchase Agreement (3) Commercial Paper (4) Certificate of Deposit (5) Shares and bonds 146. With a view to facilitate payment of balance in the deposit account to the person named by the depositor without any hassles in the event of death of the account holder, the following facility was introduced for bank accounts in our country (1) Will (2) Registration (3) Nomination (4) Indemnity (5) Guarantee 147. The Govt. of which of the following states has agreed to give captive mines of iron ores to all the companies who are willing to establish plants there? (1) West Bengal (2) Orissa (3) Jharkhand (4) Bihar (5) Karnataka 148. Gorkhaland Council which was recently in news is a body set up for administration of which of the following Districts ? (1) Siliguri (2) Bagdogra (3) Malcla (4) Darjeeling (5) Gangtok 149. Banks in our country normally publicise that additional interest rate is allowed on retail domestic term deposits of (1) Minors (2) Married women (3) Senior citizens (4) Govt. employees (5)Rural residents 150. Largest shareholder (in percentage shareholding) of a nationalized bank is (1) RBI (2) NABARD (3) LICI (4) Govt. of India (5) IBA
Computer Awareness
151. 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 152. A person who used his or her expertise to gain access to other peoples computers to get information illegally or do damage is (1) hacker (2) analyst (3) instant messenger (4) programmer (5) spammer 153. 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 154. Reusable optical storage will typically have the acronym (1) CD (2) DVD (3) ROM (4) RW (5) ROS 155. The most common type of storage devices are (1) persistent (2) optical (3) magnetic (4) flash (5) steel 156. 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 157. A Web sites main page is called its (1) Home Page (2) Browser page (3) Search Page (4) Bookmark (5) None of these 158. Part number, part description, and number of parts ordered are examples of (1) control (2) output (3) processing (4) feedback (5) in put 1 59. 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 160. Computers use the number system to store data and perform calculations. (1) binary (2) octal (3) decimal (4) hexadecimal (5) None of these 161. __________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 162. _________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
COMPETITIVE ZEAL
163. 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 164. 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 165. 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 166. A disks 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 167. What is the permanent memory built into your computer called ? (1) RAM (2) Floppy (3) CPU (4) CD-ROM (5) ROM 168. The default view in Excel is ____________ view. (1) Work (2) Auto (3) Normal (4) Roman (5) None of these 169. What displays the contents of the active cell in Excel ? (1) Namebox (2) RowHeadings (3) Formulabar (4) Taskpane (5) None of these 170.__________________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 171. Grouping and processing all of a firms transactions at one time is called (1) a database management system (2) batch processing (3) a real-time system (4) an on-line system (5) None of these 172. Help Menu is available at which button ? (1) End (2) Start (3) Turnoff (4) Restart (5) Reboot 173. You can keep your personal files/folders in (1) My folder (2) My Documents (3) My Files (4) My Text (5) None of these 174. A central computer that holds collections of data and programs for many PCs, workstations, and other computers is a(n) (1) supercomputer (2) minicomputer (3) laptop (4) server (5) None of these 175. When you save to this, your data will remain intact even when the computer is turned off. (1) RAM (2) motherboard (3) secondary storage device (4) primary storage device (5) None of these 176. The _________ folder retains copies of messages that you have started but are not yet ready to send. (1) Drafts (2) Outbox (3) Address Book (4) Sent Items (5) Inbox 177. You can ___ a search by providing more information the search engine can use to select a smaller, more useful set of results. (1) refine (2) expand (3) load (4) query (5) slowdown 178. The contents of ________ are lost when the computer turns off. (1) storage (2) input (3) output (4) memory (5) None of these 179. The___________ enables you to simultaneously keep multiple Web pages open in one browser window. (1) tab box (2) pop-up helper (3) tab row (4) address bar (5) Esc key 180. 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 181. The basic unit of a worksheet into which you enter data in Excel is called a (2) cell (3) box (4) range (5) None of these (1) tab 182. __________ is the process of dividing the disk into tracks and sectors. (1) Tracking (2) Formatting (3) Crashing (4) Allotting (5) None of these
COMPETITIVE ZEAL
183. Which ports connect special types of music instruments to sound cards ? (1) BUS (2) CPU (3) USB
(4) MIDI
(5) MINI (5) downsizing
184. The process of transferring files from a computer on the Internet to your computer is called (1) downloading (2) uploading (3) FTP (4) JPEG
185. In Excel _____________ allows users to bring together copies of workbooks that other users have worked on independently. (1) Copying (2) Merging (3) Pasting (4) Compiling (5) None of these 186. If you want to connect to your own computer through the Internet from another location, you can use (1) e-mail (2) FTP (3) instant message (4) Telnet (5) None of these 187. To reload a Web page, press the _______ button. (1) Redo (2) Reload (3) Restore 188. Mobile Commerce is best described as (1) The use of Kiosks in marketing (3) Buying and selling goods/services through wireless handheld devices (5) None of the above (4) Ctrl (5) Refresh
(2) Transporting products (4) Using notebook PCs in marketing
189. Video processors consist of __________ and ____________ which store and process images. (1) CPU and VGA (2) CPU and memory (3) VGA and memory (4) VGI and DVI 190. _____________are words that a programming language has set aside for its own use. (1) Control words (2) Control structures (3) Reserved words (4) Reserved keys
(5) None of these (5) None of these
191. What is the process of copying software programs from secondary storage media to the hard disk called ? (1) configuration (2) download (3) storage (4) upload (5) installation 192. This first step in the transaction processing cycle captures business data through various modes such as optical scanning or at an electronic commerce website (1) Document and report generation (2) Database maintenance (3) Transaction processing start-up (4) Data Entry (5) None of these 193. When the pointer is positioned on a ____________ it is shaped like a hand. (1) grammar error (2) Formatting error (3) ScreenTip (4) Spelling error 194. The computer abbreviation KB usually means (1) Key Block (2) Kernel Boot (3) Key Byte (4) Kit Bit (5) hyperlink (5) Kilo Byte
195. Which of the following are advantages of CD-ROM as a storage media ? (1) CD-OM is an inexpensive way to store large amount of data and information (2) CD-ROM disks retrieve data and information more quickly than magnetic disks do (3) CD-ROMs make less errors than magnetic media (4) All of the above (5) None of these 196. A(n) _____________ is a special visual and audio effect applied in Power point to text or content. (1) animation (2) flash (3) wipe (4) dissolve (5) None of these 197. Which of the following is a storage device that uses rigid, permanently installed magnetic disks to store data/information (1) floppy diskette (2) hard disk (3) permanent disk (4) optical disk (5) None of these 198. The piece of hardware that converts your computers digital signal to an analog signal that can travel over telephone lines is called a (1) red wire (2) blue cord (3) tower (4) modem (5) None of these 199. Personal computers can be connected together to form a 1) server (2) supercomputer (3) network (4) enterprise (5) None of these
200. A _________ is the term used when a search engine returns a Web page that matches the search criteria. (1) blog (2) hit (3) link (4) view (5) success
COMPETITIVE ZEAL
English Language
Direction for Q. 201-205: In each of the following questions a short passage is given with one of the lines in the passage missing and represented by a blank. Select the best out of the five answer choices given, to make the passage complete and coherent. 201. Poverty is the state for the majority of the worlds people and nations. Why is this ? Have they been lazy, made poor decisions, and been solely responsible for their own plight ? What about their governments ? Have they pursued policies that actually harm successful development ? Such causes of poverty and inequality are no doubt real. But deeper and more global causes of poverty are often less discussed. Behind the increasing interconnectedness promised by globalization are global decisions, policies, and practices. These are typically influenced, driven, or formulated by the rich and powerful. These can be leaders of rich countries or other global actors such as multinational corporations, institutions, and influential people. In the face of such enormous external influence, the governments of poor nations and their people are often powerless. As a result, in the global context, a few get wealthy while the majority struggles. (1) Is it enough to blame poor people for their own predicament ? (2) What is the government doing about it ? (3) Are the wealthy ones in the nation even aware of this ? (4) The government has already taken measures to eradicate the same. (5) The huge gap between the rich and the poor in the nation is now narrowing. 202. Womens rights around the world are an important indicator to understand global well-being. A major global womens rights treaty was ratified by the majority of the worlds nations a few decades ago. ____________ These range from the cultural, political to the economic. For example, women often work more than men, yet are paid less; gender discrimination affects girls and, women throughout their lifetime; and women and girls are often the ones that suffer the most poverty. Many may think that womens rights are only an issue in countries where religion is law. Or even worse, some may think this is no longer an issue at all. But reading the report about the United Nations Womens Treaty and how an increasing number of countries are lodging reservations will show otherwise. Gender equality furthers the cause of child survival and development for all of society, so the importance of womens rights and gender equality should not be underestimated. (1) This treaty tackled and solved a number of issues related to women. (2) Why is it then, that women still face a number of problems on the domestic front ? (3) Thus, the woman today is ten times more empowered as compared to a woman say about a decade ago. (4) Womens activists across nations have implored the respective governments to take this seriously. (5) Yet, despite many successes in empowering women, numerous issues still exist in all areas of life. 203. Research has shown that air pollutants from fossil fuel use make clouds reflect more of the suns rays back into space. This leads to an effect known as global dimming whereby less heat and energy reaches the earth._________ However, it is believed that global dimming caused the droughts in certain parts of the world where millions died, because the northern hemisphere oceans were not warm enough to allow rain formation. Global dimming is also hiding the true power of global warming. By cleaning up global dimming-causing pollutants without tackling greenhouse gas emissions, rapid warming has been observed, and various human health and ecological disasters have resulted, as witnessed during the European heat wave in 2003, which saw thousands of people die. (1) This though, does not bring any relief in the problems associated with climate change. (2) This phenomenon thus is part of the climate change problem. (3) Scientists thus believe that this phenomenon goes hand in hand with global warming. (4) At first, it sounds like an ironic saviour to climate change problems. (5) The answer to all our problems with respect to climate change is definitely here. 204. Next to China, India is the most populated country in the world. __________ Particularly, rush to technical and higher education has increased as the scope for arts and science has become lesser and lesser due to lack of reforms and up gradation in the course structure and materials according to the developments of the world. Also, qualification in higher education gives added advantage to face successfully competition in the job market. (1) Keeping this in mind, the government has provided concessions in the admission fees for the arts and science streams in the country. (2) Naturally there is too much rush and competition in every field. (3) Despite this the rush to higher education is lesser. (4) This population increase, though, has not kept pace with the knowledge expansion around the world. (5) In the next decade it will become the most populous.
COMPETITIVE ZEAL
205. Analysts and industry pundits forecast that the notebook market, which has been growing faster than the desktop market for the past three years, is expected to overtake the desktop market by the year 2011-12. A fall in prices, large deals from governments and institutions, and demand from consumers and sectors such as education are expected to help the notebook numbers. According to research agencies, the year 2010-11 saw notebook volumes rise, and for the first time a million-plus notebooks were sold in India in a single quarter. The market has grown nearly four times for notebooks. The demand is driven by all sectors and a very buoyant consumer market, which prefers mobile computers. Entry-level notebook prices have dropped below the T 25,000 mark; this has helped break the ice with new customers. This drop in notebook prices has been helped by the drop in the prices of the building blocks that make a notebook. Its simple. With notebook volumes growing, the prices of the components are also bound to come down___________. (1) All this has resulted in a noticeable change in a number of large government tenders for notebooks; which were traditionally for desktops. (2) Because of this the government still prefers desktops to notebooks and has passed tenders for the same. (3) Thereby making them more expensive. (4) Thus the forecast for the coming year states that desktops will be the preferred technology choice only for consumers who cannot afford the exorbitantly priced notebooks. (5) Thus notebooks will become obsolete after a decade or so. Direction for Q. 206-210: Rearrange the following seven sentences (A), (B), (C), (D), (E), (F) and (G) in the proper sequence to form a meaningful paragraph; then answer the questions given below them. (A) To elaborate briefly on these characteristics and dimensions that the author is talking about - INRIVIs are general tests intended to be used to classify students by percentile for measuring either aptitude or proficiency for admissions into or placement within a program. (B) Contrastingly, the CRM, such as a locally produced achievement test, measures absolute performance that is compared only with the learning objective, hence a perfect score is theoretically obtainable by all students who have a mastery of the pre-specified material, or conversely, all students may fail the test. (C) In most of these books the authors classify a measurement strategy as either norm-referenced (NRM) or criterionreferenced (CRM). (D) Another author points out how the type of interpretation that an NRM offers is the relative performance of the students compared with that of all the others resulting in, ideally, a bell curve distribution. (E) Numerous books on constructing and using language tests have been written by various authors. (F) CRMs, on the other hand, are more specific, achievement or diagnostic tests intended to be used for motivating students by measuring to what percent they have achieved mastery of the taught or learned material. (G) One of the authors clearly delineates the differences of these two types by focusing on the categories of test characteristics and logistical dimensions. 206. Which of the following should be the FIRST sentence after rearrangement ? (1) G (2) B (3) C (4) D (5) E 207. Which of the following should be the FIFTH sentence after rearrangement ? (1) A (2) B (3) C (4) F (5) E 208. Which of the following should be the SEVENTH (LAST) sentence after rearrangement ? (1) A (2) B (3) C (4) D (5) E 209. Which of the following should be the THIRD sentence after rearrangement ? (1) A (2) B (3) G (4) D (5) E 210. Which of the following should be the SECOND sentence after rearrangement ? (1) A (2) B (3) C (4) D (5) F Direction for Q. 211-215: The following questions consist of a single sentence with one blank only. You are given six words as answer choices and from the six choices you have to pick up two correct answers, either of which will make the sentence meaningfully complete. 211. Drugs worth Rs. 3 lakhs were from the apartment by the police. (A) manufactured (B) ruptured (C) seized (D) confiscated (E) bought (F) compared 4P, (1) (A) and (D) (2) (B) and (C) (3) (C) and (E) (4) (E) and (F) 5) (C) and (D)
COMPETITIVE ZEAL
212. A man reportedly two passports with the same photograph, but under different names was arrested by the commissioners Task Force. (A) possessing (B) examining (C) surrendering (D) mastering (E) hold in n (F) fixating (1) (B) and (C) (2) (C) and (F) (3) (A) and (E) (4) (A) and (D) (5) (D) and (E) 213. The Hollywood star and the Bollywood heroine are being ___________ as the next big onscreen couple. (A) labeled (B) explained (C) worshiped (D) touted (E) exclaimed (F) shouted (1) (B) and (D) (2) (A) and (C) (3) (B) and (F) (4) (A) and (D) (5) (C) and (D) 214. An organization ___________ to the mission of road safety has prepared an action plan for reducing accidents and related injuries and fatalities. (A) specified (B) inaugurated (C) committed (D) kicked off (E) succumbed (F) dedicated (1) (C) and (F) (2) (A) and (E) (3) (C) and (E) (4) (D) and (F) (5) (A) and (C) 215. The ability of a woman to do well does not ___________ on whether it is a mans world or not, because everyone has his/her own opportunities. (A) trust (B) depend (C) reckon (D) live (E) rest (F) believe (1) (D) and (E) (2) (B) and (C) (3) (A) and (F) (4) (B) and (E) (5) (C) and (D) Direction for Q. 216-220: Below is given a single word with options to its meaning in different contexts. You have to select ail those options which are synonyms of the word when the context is changed. Select the correct alternative from (1), (2), (3), (4) and (5) which represents all those synonyms. 216. LABOUR (A) expedite (B) to move faster (C) controlled (D) toil (1) Only (D) (2) Both (A) and (C) (3) Only (B), (C) and (D) (4) Only (A), (C) and (D) (5) All (A), (B), (C) and (D) 217. MEAN (A) imply (B) understand (C) average (D) characterized by malice (1) Only (C) (2) Both (A) and (D) (3) Only (A), (C) and (D) (4) Only (A), (B) and (D) (5) All (A), (B), (C) and (D) 218. REGULAR (A) present (B) common (C) indiscriminate (D) uniform (1) Only (D) (2) Both (B) and (D) (3) Both (A) and (C) (4) Only (B), (C) and (D) (5) All (A), (B), (C) and (D) 219. MASK (A) cover (B) hide (C) conceal (D) disguise (1) Only (A) (2) Both (B) and (D) (3) Only (B), (C) and (D) (4) Only (A), (B) and (C) (5) All (A), (B), (C) and (D) 220. ALONE (A) exclusively (B) morose. (C) solitary (D) human being (1) Only (A) (2) Both (A) and (C) (3) Both (B) and (C) (4) Only (A), (C) and (D) (5) All (A), (B), (C) and (D) Direction for Q. 221- 235: 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. As the country embarks on planning (221) the 12th Plan (2012-17) period, a key question mark (222) hangs over the process is on the energy requirements. Growth is energy hungry, and the aspirations of growing at 9-10% will (223) huge demands on the energy resources of the country. In this energy jigsaw, renewable energy will (224) like never before in the 12th Plan and (225). By the rule of the thumb, India will (226) about 100 gigawatts (Gw)-100,000 megawatts-of capacity addition in the next five years. Encouraging trends on energy efficiency and sustained (227) by some parts of the government-the Bureau of Energy
COMPETITIVE ZEAL
Efficiency in particular needs to be complimented for this-have led to substantially lesser energy intensity of economic growth. However, even the tempered demand numbers are (228) to be below 80Gw. As against this need the coal supply from domestic sources is unlikely to support more than 25 Gw equivalent capacity. Imported coal can add some more, but at a much (229) cost. Gas-based electricity generation is unlikely to contribute anything substantial in view of the unprecedented gas supply challenges. Nuclear will be (230) in the foreseeable future. Between imported coal, gas, large hydro and nuclear, no more than 15-20Gw equivalent can be (231) to be added in the five-year time block. (232) (233) this, capacity addition in the renewable energy based power generation has touched about 3Gw a year. In the coming five years, the overall capacity addition in the electricity grid (234) renewable energy is likely to range between 20Gw and 25Gw. Additionally, over and above the grid-based capacity, off-grid electricity applications are reaching remote places and (235) lives where grid-based electricity supply has miserably failed. (1) against (2) for (3) onwards (4) at (5) on (1) that (2) inside (3) always (4) who (5) where (1) forward (2) subject (3) place (4) demand (5) replace (1) pass (2) publish (3) feature (4) find (5) light (1) likewise (2) publicity (3) next (4) after (5) earlier (1) waste (2) require (3) highlight (4) generate (5) consumed (1) structures (2) efforts (3) projections (4) practices (5) developmental (1) sure (2) unsure (3) unexpected (4) unlikely (5) likely (1) nominal (2) excelled (3) higher (4) lower (5) expected (1) failure (2) success (3) dangerous (4) maximum (5) marginal (1) certain (2) linked (3) remarked (4) expected (5) sure (1) When (2) But (3) However (4) 1 f (5) As (1) for (2) with (3) is (4) ever (5) against (1) through (2) project (3) versus (4) against (5) capacity (1) lightening (2) making (3) touching (4) saving (5) generating Direction for Q. 236-243: Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions. In a reversal of the norm elsewhere, in India policymakers and economists have become optimists while bosses do the worrying. The countrys Central Bank has predicted that the countrys economy is likely to grow at a double digit rate during the next 20-30 years. India has the capability with its vast labour and lauded entrepreneurial spirit. But the private sector which is supposed to do the heavy lifting that turns India from the worlds tenth largest economy to its third largest by 2030 has become fed up. Business people often carp about Indias problems but their irritation this time has a nervous edge. In the first quarter of 2011, GDP grew at an annual rate of 7.8 percent; in 2005-07 it managed 9-10 percent. The economy may be slowing naturally as the low interest rates and public spending that got India through the global crisis are belatedly withdrawn. At the same time the surge in inflation caused by exorbitant food prices has spread more widely, casting doubt over whether India can grow at 8-10 percent in the medium term without overheating. In India, as in many fast growing nations, the confidence to invest depends on the conviction that the long term trajectory is intact and it is that which is in doubt. Big Indian firms too sometimes seem happier to invest abroad than at home, in deals that are often hailed as symbols of the countrys growing clout but sometimes speak to its weaknesses - purchases of natural resources that India has in abundance but struggles to get out of the ground. In fact a further dip in investment could be selffulfilling: if fewer roads, ports and factories are built, this will hurt both short term growth figures and reduce the economys long term capacity. There is a view that because a fair amount of growth is assured the government need not try very hard. The liberalization reforms that began in 1991 freed markets for products and gave rise to vibrant competition, at the same time what economists call factor markets, those for basic inputs like land, power, labour etc remain unreformed and largely under state control, which creates difficulties. Clearances today can take three to four years and many employers are keen to replace workers with machines despite an abundance of labour force. This can be attributed to labour laws which are inimical to employee creation and an education system that means finding quality manpower a major problem. In fact the Planning Commission, concluded that even achieving 9 percent growth wil! need marked policy action in unreformed sectors. Twenty years ago it was said that the yardstick against which India should be measured was its potential and it is clear that there remains much to do. 236. Why are employers reluctant to hire Indian labour force ? (A) Indias labour force is overqualified for the employment opportunities available
COMPETITIVE ZEAL
237.
238.
239.
240. 241.
242.
243.
(B) High attrition rate among employees stemming from their entrepreneurial spirit. (C) Labour laws are not conducive to generating employment. (1) Only (C) (2) All (A), (B) & (C) (3) Only (A) & (C) (4) Only (A) & (B) (5) None of these What is the state of Indias basic input sectors at present ? (1) These sectors attract Foreign Direct Investment because of their vast potential. (2) These sectors are lagging as projects are usually awarded to foreign companies. (3) These sectors are stagnating and badly in need of reforms. (4) These sectors are well regulated as these are governed by the State (5) None of these Which of the following can be said about the Indian economy at present ? (1) It can comfortably achieve double digit growth rate at present. (2) High food prices have led to overheating of the economy. (3) Citizens are affluent owing to laxity in regulation. (4) Private sector confidence in Indias growth potential is high ( 5) Unreformed sectors are a drag on economic growth. What impact has the GDP growth of 7.8 percent had ? (A) Indian Industry is anxious about Indias economic growth. (B) India has achieved status as the worlds third largest economy at present. (C) Foreign investment in India has drastically increased. (1) Only (A) (2) All (A), (B) & (C) (3) Only (A) & (C) (4) Only (A) & (B) (5) None of these Which of the following is most opposite in meaning to the word MARKED given in bold as used in the passage ? (1) Decreased (2) Ignored (3) Clear (4) Assessed (5) Imperceptible What is the authors main objective in writing the passage ? (1) Showcasing the potential of Indias growth potential to entice foreign investors (2) Exhorting India to implement measures to live up to its potential (3) Recommending Indias model of development to other developing countries (4) Berating the private sector for not bidding for infrastructure development projects (5) Criticizing the measures taken by India during the global economic crisis What measures do experts suggest be taken to ensure targeted economic growth ? (1) Lowering of interest rates to help industries hit by recession (2) Prolonged financial support for basic input industries (3) Incentives to Indian companies to invest in infrastructure (4) Formulation of policies and their implementation in factor markets (5) Stringent implementation of licensing system Which of the following is most similar in meaning to the word CLOUT given in bold as used in the passage ? (1) Strike (2) Standing (3) Force (4) Launch (5) Achieve
Direction for Q. 244-250. Read the following passage carefully and answer the questions given below it. Certain words/phrases are printed in bold to help you to locate them while answering . some of the questions. In many countries, a combustible mixture of authoritarianism, unemployment and youth has given rise to disaffection with strongmen rulers which has in turn spilled over into uprisings. Young people in these countries are far better educated than their parents were. In 1990 the average Egyptian had 4.4 years of schooling; by 2010 the figure had risen to 7.1 years. Could it be that education, by making people less willing to put up with restrictions on freedom and more willing to question authority, promotes democratization. Ideas about the links between education, income and democracy are at the heart of what social scientists have long studied. Since then plenty of economists and political scientists have looked for statistical evidence of a causal link between education and democratization. Many have pointed to the strong correlation that exists between levels of education and measures like the pluralism of party politics and the existence of civil liberties. The patterns are similar when income and democracy are considered. There are outliers, of course - until recently, many Arab countries managed to combine energy-based wealth and decent education with undemocratic political systems. But some deduce from the overall picture that as China and other authoritarian states get more educated and richer, their people will agitate for greater political freedom, culminating in a shift to a more democratic form of government. This apparently reasonable intuition is shakier than it seems. Critics of the hypothesis point out that correlation is hardly causation. The general trend over the past half-century may have been towards rising living standards, a wider spread of
COMPETITIVE ZEAL
244. 245.
246.
247.
248.
249.
250.
basic education and more democracy, but it is entirely possible that this is being driven by another variable. Even if the correlation were not spurious, it would be difficult to know which way causation ran. Does more education lead to greater democracy ? Or are more democratic countries better at educating their citizens ? A recent NBER paper compared a group of Kenyan girls in 69 primary schools whose students were randomly selected to receive a scholarship with similar students in schools which received no such financial aid. Previous studies had shown that the scholarship programme led to higher test Scores and increased the likelihood that girls enrolled in secondary school. Overall, it significantly increased the amount of education obtained. For the new study the authors tried to see how the extra schooling had affected the political and social attitudes of the women in question. Findings suggested that education may make people more interested in improving their own lives but they may not necessarily see democracy as the way to do it. Even in established democracies, more education does not always mean either more active political participation or greater faith in democracy. Poorer and less educated people often vote in larger numbers than their more educated compatriots, who often express disdain for the messiness of democracy yearning for the kind of government that would deal strongly with the corrupt and build highways, railway lines and bridges at a dizzying pace of authoritarian China. Which of the following is most similar in meaning to the word PROMOTES given in bold as used in the passage ? (1) Upgrades (2) Prefers (3) Recommends (4) Advocates (5) Publicises In the context of the passage which of the following characterise(s) democracies ? (A) Active participation of majority of educated citizens in electoral process. (B) Fast paced economic growth and accountability of those in power (C) Better standards of living and access to higher education (1) All (A), (B) & (C) (2) Only (B) & (C). (3) Only (C) (4) Only (A) & (B) (5) None of these What according to the author has led to uprisings in authoritarian countries ? (1) Lack of access to education (2) Vast numbers of uneducated and unemployable youth (3) Frustration with the existing system of governance (4) Unavailablility of natural energy resources like coal and oil (5) Governments overambitious plans for development What does the phrase messiness of democracy convey in the context of the passage ? (1) Democratic nations are chaotic on account of individual freedoms. (2) Most democratic countries frequently have violent revolts among their citizens. (3) The divide between the poor and educated is growing wider in democracies (4) High levels of pollution on account of frentic pace of infrastructure development. (5) Resigned acceptance of intrinsic corruption in the education system Which of the following is/are true about China in the context of the passage ? (A) Chinas citizens are in favour of a more representative form of government. (B) China has made huge strides in infrastructure developments. (C) China is in the midst of a political revolution. (1) None (2) Only (A) (3) Only (A) & (C) (4) Only (B) (5) All (A), (B) & (C) What conclusion can be drawn from the statistics cited about Egypts education. system ? (1) Job prospects have been on the rise in Egypt in recent times. (2) Authoritarian leaders have played a vital role in reforming Egypts education system (3) Egypt has one of the youngest and best educated demographics in the world. (4) Egypt is likely to be successful vibrant democracy. (5) There has been a rise in education levels in Egypt in recent times. Which of the following most aptly describes the central theme of the passage ? (1) Democratic nations are richer and have a better track record of educating their citizens. (2) Education does not necessarily lead to greater enthusiasm for a democratic form of government. (3) Educated societies with autocratic form of government enjoy a better quality of life than democracies. (4) Citizens can fulfill their personal aspirations only under a democratic form of government. (5) Democracy makes citizens more intolerant as it does not restrict personal freedoms.
COMPETITIVE ZEAL
FLT P. O. ANSWER KEYS

SECTION I (REASONING ABILITY) 1 2 3 4 5 6 7 8 5 4 1 4 3 2 5 4 21 2 41 2 22 4 42 3 23 5 43 1 24 5 44 2 25 1 45 3 26 3 46 1 27 1 47 3 28 4 48 2 9 2 29 3 49 2 10 1 30 2 50 1 61 4 81 5 62 3 82 4 63 5 83 3 64 4 84 1 65 2 85 5 66 1 86 3 67 2 87 1 68 5 88 4 69 2 89 2 70 4 90 1 11 2 31 1 12 3 32 2 13 3 33 4 14 4 34 2 15 4 35 3 16 2 36 3 17 5 37 1 18 3 38 4 19 5 39 4 20 4 40 4
SECTION II (QUANTITATIVE APTITUDE) 51 52 53 54 55 56 57 58 59 60 1 3 4 3 2 3 5 2 5 3 71 3 91 2 72 5 92 3 73 3 93 1 74 5 94 4 75 4 95 2 76 5 96 4 77 2 97 2 78 3 98 5 79 5 99 4 80 1 100 1
SECTION III (GENERAL AWARENESS) 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 2 4 1 4 4 3 1 2 2 4 1 3 4 2 5 121 122 123 124 4 5 4 2 141 142 143 144 1 3 2 2 125 126 127 128 129 130 131 132 133 134 135 1 1 2 5 3 2 1 5 3 5 1 145 146 147 148 149 150 3 3 2 4 3 4
116 117 4 1 136 137 3 1
118 119 120 3 2 3 138 139 140 3 1 5
SECTION IV (COMPUTER AWARENESS) 151 152 153 154 1 1 5 4 171 172 173 174 3 2 2 4 191 192 193 194 5 3 5 5 155 156 157 158 159 160 161 162 163 164 165 2 4 1 1 3 1 3 3 1 2 2 175 176 177 178 179 180 181 182 183 184 185 3 1 1 5 1 2 2 2 4 1 2 195 196 197 198 199 200 4 1 2 4 3 3 166 167 5 5 186 187 2 5 168 169 170 3 3 2 188 189 190 3 1 4
SECTION V (ENGLISH) 201 202 203 204 1 5 3 2 221 222 223 224 2 1 3 3 241 242 243 244 2 4 4 4 205 206 207 208 209 210 211 212 213 214 215 2 5 4 2 3 3 5 3 4 1 2 225 226 227 228 229 230 231 232 233 234 235 1 2 3 3 3 5 4 2 2 2 5 245 246 247 248 249 250 3 2 3 3 5 2
216 217 1 1 236 237 1 3
218 219 220 2 4 2 238 239 240 5 1 2
COMPETITIVE ZEAL
Explanations Answer
1. 5;
58. 59.
Hint Take Hint Take

3
X 35
2 W 6
4663 = 17 & 21.003 = 21 and solve.
2 E
60. 61.
Hint Take 60/12 X 6.35 Series is as 7 x 2 2 xx 1 =12 12 x 4 - 4 x 2 = 40 40 x 6 - 6 x 3 = 222 222 x 8 - 8 x 4 = 1744 wrong term Starting from right end series is followed as -2, 1/3-3, -4, 1/5-5, 1/6-6, 1/7-7. So the wrong term is 584 which should be 582. The difference in the series is 153,133,113, 93,73,53 so the wrong term is 1077 which should be 1075 The series is 11 22 33 44 55 66 77 so 25 is the wrong term Every term is the half of previous term Suppose rubina buys x tickets of each type. So 55x + 85x + 105x = 2940 Solving above , x = 12 4 years SI = 10800 1 years SI = 2700
2700 x 100 =12% PA. 22500 So CI for Two years = 2700 (1st year) + 2700 + 324( 2nd year) = Rs 5724
S
2. 4; 3. 1; 6 5 4 3 2 1 B C F E A D
62.
63. 64. 65. 66.
67. 4. 2; 5. 3; Required word LEAPS; 6. 7. 8. 9. 10. 21. 22. 23. 24. 25. 4; neither conclusion I and II follows; 1; only conclusion I follows 3; conclusion I or conclusion II follows 2; only conclusion II follows 1; only conclusion I follows 2; All I, II, III are required. 4; All I, II, III are required. 5; None of these. 5; All the solutions are not sufficient to answered. 4; All I, II, III are required. 70. 71. Swift DZire Ford Ikon Honda City 72. 69. 68.
6400
So rate of interest =
Present age of prineeta = 33 9 = 24 Yrs Present age of manisha = 24 -9 = 15 Yrs. So age of Deepali = 15 + 24 = 39Yrs. Hence x = 13.
115 = 36800 100 So Ramolas Monthly income = 3 X 36800 = 110400. Annual income = 12 X 110400 =Rs 13,24,800/-
Ravinas Monthly income = 32000 X
Males younger than 25Y = 4800 X
Q. No 26-30 26. 3; 27. 1; 28. 4; 29. 3; 30. 2; Delhi: Chennai: Hyderabad: 56. 57. T+ ZS- U+ R+ PQW
45 40 x = 864 100 100
Price of one pencil box = 7 + 22 + 14 = Rs 43 So total cost = 20 X 7 + 8 X 22 + 6 X 175 + 7 X 43 = Rs 1667 The difference in total = 48-44 + 59 45 + 67 61 = 24 So new average will increase by
24 = 1. So new average 24
Hint Take 40% of 4330 + 58% of 5000 Hint take

4300 X 400 2100
= 56 + 1 = 57. 73. Maximum marks = 700 X

468 = 975 336
COMPETITIVE ZEAL
74. 2nd number = X 2400 = 600. Now 6/11 X 1st = 22/100 of 2nd So 1st number = 22/100 X 600 X 11/6 =242. 45/100 X 242 = 108.9 Total marks scored = 56% of 875 + 92% 875 + 634 = 1929 90. 88.
CWE P.O. (September-2011) Sum of E & F = 64.8 + 21.6 = 86.4. Required number of students = 86.4/360 X 100 = 24%
14.4 X 100 = 11.76 = 12 % Approx. 122.4
89.
75.
Q. No. 76 - 80. Total number of marbles = 4 + 5 + 2 + 3 =14. 76. Probability that both are red or atleast one is red = 1 Probability of none is red
Sum of angle of B & E = 57.6 + 64.8 =122.4. So number of students =

122.4 X 6800 = 2312 360
12 11 66 25 = Ans =1 X = 14 13 91 91
77. Probability that atleast one is yellow = 1 probability that none is yellow
11 10 9 165 199 = 1- X = = 1= 14 13 11 364 364
91.
66% of 150 + 75% of 100 + 88% of 150 + 56% of 125 + 56% of 75 + 50% of 90 = 99 + 75 + 132 + 70 + 42 + 45 = 463
99 X 100 = 115.79 76
92. 93.
Sum of percentages = 88+84+78+96+68+50 = 464. So average score =

464 150 X =116 6 100
78. 79.
P = (4C2 5C2 2C2 3C2 )/ 14C8 = 60/1001 Probabilty that none is green = 10/14 X 9/13 X 8/12 =30/ 91
10 P = (5C2 X 2C2)/ 14C4 = 1001
94. 95. 96. 97.
By just analysing the data we can see that the highest marks are that of Garvita. Garvita three subjects & Archit two subjects are only two students. Can not be determined as we do not know how many are girls. Number of students opting for the three subjects = 15000 +10000 + 15000 = 40000. So percentage of students in three subjects as percentage of total number of students =
40000 X 100 = 8.79 = 9% Approx. 455030
80. 81.
Total number of people = 34560 + 65900 + 45640 + 55500 +42350 +59650 =303600 Number of men visiting super market D = 41/100 X 55500 = 22755 So percentage of people visiting super market D=
22755 X 100 = 7.5% 303600
98. 99.
82. 83. 84.
20 x 45640 X 100 = 109.3% 14 x 59650
Students in Hindi & Mathematics = (5000 + 15000 +20000) + ( 35000 + 15000 + 5000) = 40000 + 55000 = 95000 Students opting for mathematics in 2005 & 2008 = 15000 + 30000 = 45000 Total students in all the three subjects in 2005 & 2008 = 55000 + 85000 = 140000 So required percentage =
45000 X 100 = 32% Approx 140000
20% of 65900 + 33% of 55500 = 13180 + 18315 =31495 Ans Total no. Of women = 55% of 34560 + 43% of 65900 + 45% of 45640 + 26% of 55500 + 70% of 42350 + 62% of 59650 = 19008 + 28337 + 20538 + 14430 + 29645 + 36983 =148941 So average of women = 148941/6 = 24823.5
55 x 34560 1056 = =Ans 45 x 45640 1141
85. 86.
Difference in Angles of A&C and D&F = (79.2 + 14.4) ( 122.4 + 21.6) = 93.6 144 = - 50.4 So difference =
50.4 X 6800 =952 360
100. Number of students opting for English in 2006 & 2008 = 25000 + 30000 = 55000 No. Of students opting for Hindi in 2006 & 2008 = 5000 + 25000 = 30000 So ratio = 55000/30000 = 11/6 Ans.
87.
21.6 = 3/11 79.2

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Word Teams
WORD TEAMS
Word teams is the easiest way to learn the similar meaning words. These words may seem to be little difficult if leartnt otherwise but if they are learnt in a group like form may appear to be more easier and may be retained for long period of time. These are called as Praywachi shabd in Hindi.
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Logical Reasoning Skills
Logical Reasoning Skills

Mr. Rahul Dev
Solution
5 8 4 3 7 1 4 1 2
1. 3. 5. 7. 8.
Puzzle 1
Difficulty level (*****)
6 9 2 5 4 6 8 7 5
2 6 8 1 9 7 5
9 7 3 6 3 4 8 1 2 5 8 7 9 6
4 3 9 8 2
7 5 6 4 3 6 9 3 2 4
1 5 8
Sudoku Objective
The objective of the game is to fill all the blank squares in a game with the correct numbers. There are three very simple constraints to follow. In a 9 by 9 square Sudoku game: Every row of 9 numbers must include all digits 1 through 9 in any order Every column of 9 numbers must include all digits 1 through 9 in any order Every 3 by 3 subsection of the 9 by 9 square must include all digits 1 through 9
Similarly, smaller Sudoku puzzles, such as the 4x4 puzzle, must have the numerals 1 through 4 in each row, column and subsection. Larger Sudoku games (16 by 16) must have numerals 1 through 16 in each row, column and region. The principles are the same whatever the size of the game. Every Sudoku games begins with a number of squares already filled in, and the difficulty of each game is largely a function of how many squares are filled in. The more squares that are known, the easier it is to figure out which numbers go in the open squares. As you fill in squares correctly, options for the remaining squares are narrowed and it becomes easier to fill them in.
Fill 1 in G V block 2. Then fill 3 in G X block Then fill 7 in A W 4. Fill 5 in B X Fill 6 in C W 6. Fill 8 in D V Fill 2 in E V As 6,9 will have to come at A Q or B Q, so 2 can filled only in C R. 9. Fill 2 in A S. 10. Fill 2 in D U. 11. Complete the filling of 2 in all block i.e. I Q, H X. 12. Fill 4 in I X by looking at column X. 13. Fill 1 in H P and I T. 14. Fill 6 in I U. 15. Fill 7 in E P. 16. Fill 3 in D P. 17. Fill 5 in column P i.e. in A P, 4 in C P and 8 in B P. 18. Fill 3 in F W and 4 in D W. 19. In row D, as 1,5 cannot come in D T, so 6 will be filled here. 20. Then fill 6 in B S and A Q. 21. Fill 9 in B Q. 22. Fill 4 in A V and 9 in A T. 23. Fill 7 in B T and 3 in B V 24. Then fill 9 in C V to complete column V. 25. Fill 9 in H U. 26. Fill 3 in C U and 8 in C S. 27. Fill 8 in H T as neither 5 nor 7 can come here. 28. Then fill 8 in I W and 8 in G R. 29. Fill 5 in H W, 5 in I R, 4 in G Q and 7 in H R. 30. Fill 8 in F U, 7 in G U, 5 in E U, 3 in E T, 4 in F T, 4 in E R, 6 in F R, 6 in E X, 9 in F X, 9 in E S, 7 in F S, 1 in D S, 1 in F Q, 5 in D Q, 5 in G S. This completes ur job. Thanks!!!
COMPETITIVE ZEAL
Few Tips On Quantitative Skills/Computer Awareness Hence Taruns age = 15 years. 10. Four years ago the ratio between the ages of Veena and Rina was 15:11 respectively. The ratio between their present ages is 17:13 respectively. What will be Rinas age 3 years hence? A. Here well see that increase in ratio (i.e. 17-15 and 13-11) is equal to 2. Change in years is equal to 4 (between 4 years ago and present age), so we get 2 parts = 4, 1 part = 2, hence everything gets multiplies by 2, i.e. 17 becomes 34 yrs and 13 becomes 26. So Rinas present age is 26 yrs. 3 yrs hence she will be 29 yrs old. ....................................................
Few Tips On Quantitative Skills & Vedic Calculation (From the Root of 11)
43*11? Add 4 and 3 and put in between them i.e. 473. 42*22? Multiply 42 by 2 which is equal 84 and then multiply 84 by 11. 8+4 = 12, and put in between them i.e. 924. 3. Find the Square of 11111? A. The number of 1s in the number are 5, so we go from 1 and move till 5 and come back to 1 again i.e. 1 2 3 4 5 4 3 2 1 . 4. What is sq.rt. of 123456787654321? A. The number of 1s in the sq. rt. has to be 8 i.e. 11111111 which is equal to the highest digit in this symmetric number above. This only happens in case of a number starting from 1 goes to a highest digit and then back to 1 . 5. If 3x+2y = z, If z is even then what is x? Even Odd Both None of these A. As RHS i.e. z is even so LHS has to be even too. As 2y is even number, so 3x has to be even, which is possible only when x is even 6.
42 + 42 + 42 + 42 + ................ = ?
1. A. 2. A.
Computer Awareness
By Mr. Naresh (MCA)
1. A topology of computer network means: (a) Arrangement of PCs in certain pattern (b) Cabling between PCs (c) Way the server connects to PCs (d) None of these Electronic funds transfer is the exchange of money (a) From one place to another (b) From one account to another (c) From one bank to another (d) all the above Which of the following is most reliable, robust and has a very high processing power? It is used in networks too. (a) Super Computer (b) Macro Computer (c) Main Frame (d) All of these Which one of the following is a feature of Bluetooth security provisions? (a) Device authentication (b) Compulsory pairing and bonding between two devices (c) Constant authentication of device and user (d) All the above The data flow diagram is for analyzing (a) How to do a function efficiently (b) Restrict the number of times a function can be performed (c) Requirements of user (d) None of these Micro-computers could be made because of invention of (a) Integrated circuit (b) Transistor (c) Protocols (d) None of these The elements of computer processing system are (a) Hardware, Software, Information, & People (b) Hardware, Programs, and People (c) Hardware, Data, Users, and Procedures.
2.
a. 7 b. 6 c. 8 d. 9 A. This question has a very easy answer. You just have to calculate the sq. rt. of the next perfect square coming after 42 i.e. sq. rt. of 49 = 7. 7. Find the middle number, if the sum of 5 consecutive numbers is 385? A. In this question we just have to calculate 385 5 i.e. 77, which is the middle number. 8. Find the numbers, if the sum of 8 consecutive even numbers is 72? A. In this question we divide 72 by 8, we get 9, so 4 even numbers are below 9 and 4 even numbers above 9 i.e. 2,4,6,8,10,12,14,16. 9. The ratio between the present ages of Tarun and Varun is 3:7 respectively. After 4 years Varuns age will be 39 years. What was Taruns age 4 years ago? A. The answer can be found out without supposing the ages to be x, y etc. Lets see how. If Varuns age is given to be 39 after 4 years, so present age is 35 years. Ratio of Tarun and Varun is 3:7. Varuns part is 7 which is actually equal to 35 years. We have to calculate Taruns part which is 3. 7 parts = 35 years 1 part = 5 so 3 parts = 15 years
3.
4.
5.
6.
7.
COMPETITIVE ZEAL
(d) None of these Firewall is used in PC for (a) Security (b) Authentication (c) Data transmission (d) None of these Maximum storage space is available on (a) CDs (b) Floppies (c) ROM (d) Hard disks Processing control procedures have (a) Authorization and authentication of users (b) Access control for online data (c) Reporting of before and after images (d) None of these Which of the following cannot be a wireless network? (a) LAN (b) WAN (c) MAN (d) None of these In case of a virus getting into computer. Which of the following will help? (a) Encryption (b) NORTON (c) Police complaint (d) None of these CD ROMs are (a) Primary storage devices (b) Optical storage devices (c) Magnetic storage devices (d) None of these Computer to computer communication for Business Transactions is called (a) PIN (b) AIM (c) EDI (d) None of these Client-server computing is used in (a) Interactive multi-media (b) Network multi-media (c) MPEG video (d) All the above Fifth generation computers are (a) Data processors (b) Knowledge processors (c) Data interpreters (d) Encryptions An online transaction is (a) One that is done in real time (b) One that is done via telephone (c) Transaction done via internet (d) None of these Which of the following is NOT a programming language? (a) Microsoft windows (b) C (c) Java (d) All are languages Using anti-virus software is (a) Detective measure (b) Preventive measure (c) Corrective measure (d) All the above Multiprocessing is same as (a) Multi-programming (b) Multitasking (c) Multiuser (d) Multiresource Data in computers can be represented as (a) Hexadecimal (b) Decimal (c) Binary (d) All of these Which of them takes care of E-mail at client side? (a) POP (Post Office Protocol)
Computer Awareness (b) MAP (Messaging Application Programming Interface) (c) IMAP (Internet Message Access Protocol) (d) None of these Which of the following is NOT a part of system? (a) Peripherals (b) Electric supply (c) Logical interconnection between peripherals (d) Common goal Which of the following is NOT a peripheral of PC? (a) CPU (b) O.S. (c) V.D.0 (d) Touch screen E - R diagram represents (a) Flow of data in a system (b) Flow of control in a system (a) Relationship between entities of system (d) All of these The time between program input & output is called (a) Execution time (b) Turnaround time (c) Waiting time (d) All of these Third generation of computers have (a) High-level procedural languages for the first time (b) An operating system for first time (c) Distributed data processing (d) On-line real time systems Which of these wireless technologies deploys Radio Frequency (RF) for a WLL (Wireless Local Loop)? (a) Analog Cellular (b) Digital Cellular (c) Personal Communication System (PCS) (d) Proprietory systems MIME is: (a) A transport agent for E-mail (b) An interface between the mail client and the web server (c) A compressor that packages different formats into SMTP compatible type (d) None of these Which is EDI ? (a) Electronic distant interface (b) Electronic development interface (c) Electronic data interface (d) Electronic data interchange Which of the memory is fastest? (a) Auxiliary (b) Buffer (c) Hard disk (d) Optical drive Megaflops is (a) Number of interrupts generated during execution of program (b) Mega floating point operations per second (c) Number of times/second the computer crashes (d) None of these Which of the transmission techniques lets you send &
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COMPETITIVE ZEAL
receive data alternatively? (a) Simplex (b) Half duplex (c) Full duplex (d) Multiplexing The main computer that processes information is called (a) Host (b) Mainframe (c) Master (d) All of these Desirable feature of modem is (a) Attenuation and amplification (b) Dynamic equalization (c) Automatic dial-up (d) All Which of them is browser? (a) IE (b) Netscape (c) MOSAIC (d) All What is incorrect about software? (a) It can manipulate computer (b) It has programs, instructions (c) It can be changed (d) It can be touched Physical access to a database can be altered by which factors? (a) OS used by the software (b) Hiring procedure (c) Biometric security tools (d) Access privileges The smallest unit of information stored on a hard disk is? (a) Track (b) Sector (c) Cluster (d) None of the above Microsoft excel is versatile _____ program. (a) File transfer (b) Application (c) Spread sheet (d) Both (b) and (c) Generation of PIN in Bank ATM would require: (a) Acquirer validates information (b) Acquirer sends response to the acceptor (c) Authorization request is sent to the acquirer (d) PIN entered is encrypted Card reader is____ device while card is ____device. (a) Input, Output (b) Output, Output (c) Input, Input (d) Output, input Platform in computer world means (a) Computer hardware used (b) Operating Systems used (c) Both of these (b) None of these A character that retains its value during program execution is (a) Constants (b) Variables (c) Type definitions (d) Function Correction of program is done by (a) Compilation (b) Assembling (c) Debugging (d) Execution File transfer is (a) An application program
Computer Awareness (b) The function of the Application Layer (c) A protocol of the Application Layer (d) A web application. A policy on firewalls need not (a) Include log reports of database (b) Include guidelines for assessment of logs (c) Ensure that it is physically secured (d) Ensure that it is logically secured A modem performs (a) Modulation (b) Demodulation (c) Data compression (d) All of these In a standard operating environment, PCs do not have generally. (a) Standard applications (b) Unauthorized applications (c) Installed applications (d) Licensed applications In a bank. after computerization cheques are taken care of by (a) Keyboard (b) MICR (c) OCR (d) Scanner
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ANSWER KEY 1 2 11 4 21 3 31 2 41 4 2 2 12 2 22 3 32 2 42 3 3 3 13 1 23 2 33 2 43 3 4 1 14 3 24 2 34 1 44 1 5 3 15 2 25 3 35 1 45 3 6 1 16 2 26 1 36 4 46 2 7 3 17 3 27 4 37 4 47 4 8 1 18 1 28 3 38 2 48 4 9 4 19 2 29 3 39 2 49 2 10 4 20 2 30 3 40 4 50 2
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Personal Interviews Independence. Q.13 Is your mother okay with your job? Have you asked for her consent? A 13 Yes Sir. She also wants me to work and become independent. It went for 15 minutes and after the interview I was pretty confident about my selection as I have fared well according to my expectations.
PERSONAL INTERVIEWS Ashish Sharma Selected in OBC Bank

I ENTERED THE INTERVIEW with a good morning wish to all the interviewers. Good Morning Madam. Good Morning Sirs (looking at all 3 males and wishing them together). They were a panel of 4 Bank Managers. They told me to take my seat and the interview went as followsQ.1 Hello, Introduce yourself briefly? A 1 My name is Ashish Sharma from Chandigarh. I am pursuing B.Com III year from SD College, Chandigarh. Q.2 What are your hobbies? A 2 My hobbies are Playing Cricket & Singing Songs. Q.3 What kind of song do you sing? A 3 I like Bollywood songs & Indianpop. Q.4 What were your Subjects last year? A 4 Sir, I studied Cost Accounting, Corporate Accounting etc. Q.5 OK, Tell me, what is cost? A 5 Cost is basically study of costs in manufacturing industry, like various aspects of costs are studied & each element is individually shown which a part of cost of product becomes. Q.6 Have you studied about FIFO & LIFO? A 6 FIFO basically is a method of recording stocks in Books. It states first in & first out, i.e. the stock which was stored in warehouses first those are to be withdrawn first, where as LIFO is just opposite LAST IN FIRST OUT i.e. the stock recently added to warehouse will be withdrawn first. Q.7 What is basic difference between debit card & credit card? A 7 Sir, you can withdraw amount in excess of your account balance with credit cards but debit card limits your withdrawal to extent of your account balance. Q.8 Tell me about your family? A 8 I live with my mother. My brother is living abroad & my sister is working in Axis Bank in Delhi. Q.9 You have scored so well in exam & studying in best college of Chandigarh. Dont waste your talent, go for MBA. A 9 Sir, Banking sector is fastest growing and will provide me with a lot of learning opportunities. Moreover it is a respectable job. I would love to be a part of Indias fastest growing sector & I can use my intelligence in my future & benefit of bank. Q.10 You said you are living alone with your mother. So if you are posted away from your home, how will you manage? A 10 Sir, as such there is no problem, my mother only insisted me to go for banking sector & she will be happy if I work in this sector & our society is very safe. I can come home on weekends. Q.11 Do you study news paper? A 11 Yes Sir. I study Times of India Q.12 Recently, which country honored Mrs. Indira Gandhi recently? A 12 Sir, Bangladesh, for active participation in its
Neelam Singla Selected in PNB bank

Q1 Tell me something about yourself? A1 My name is Neelam Singla from Chandigarh. I am B.Sc. graduate with 75% marks. After that I did MBA with 60%. Q2 After B. Sc Math with 75% why you did not opt for M. Sc Math? A2 Sir I have interest in Management, so i opted for MBA. Moreover i have good managerial and leadership skills. Q 3 From where you completed your MBA? A 3 I have completed my PGDM (in Marketing) + MCA (Marketing of Computer mgt) from Singhbad Institute of Management, Pune. Q 4 Have you completed your PG in distance education? A 4 No, this was my regular course. Q 5 How many P are there in Marketing? A 5 4 Ps Product, Place, Price, Promotion + 3 Extended Ps for Services i.e. People, Process, Physical Evidence. Q 6 Any particular subject which you have interest in? A 6 Yes sir I have interest in International Politics. Q 7 Ok, What is EU? A 7 EU is the name given to European Union. It is a union of 27 independent member states which are located in Europe. Its Currency is Euros. Q 8 What is SAARC? A 8 SAARC South Asian Association for Regional Coopeartion. It came into being in 1985. It has 8 member nations. Q 9 What is Euro currency? A 9 Euro is the currency of Euro Zone. Out of 27 EU members, only 17 have Euros as their currency. It is the second largest Reserve Currency. Q 10 What is currency of US, UK, Britain? A 10 The currency of US is US Dollar, UK and Britain is Pound Sterling, Q 11 What is currency of India, Nepal, Pakistan, China, Bhutan? A 11 The currency of India, Nepal, Pakistan is Rupee, Bhutan is Ngultrum, China is Yuan Renminbi. Q 12 Why do you want to go for Banking after doing MBA? A 12 It is one of the fastest growing sector. I will get a lot of opportunities to grow and learn. Moreover it is a good status job. Q 13 How can you say that you will do better in Banking? A 13 Sir, I am hard working, dedicated, honest and adaptable person.Moreover I have good Communication Skills. OK, Neelam Thanks and Best of Luck.
COMPETITIVE ZEAL
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COMPETITIVE ZEAL

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JIWAN BANSAL ASSOCIATE EDITOR COMPETITIVE ZEAL

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Test your Knowledge an exercise

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Quiz Test Series

TEST 1 ANSWER KEY 1 4 11 3 21 4 2 5 12 5 22 5 3 1 13 1 23 1 4 3 14 2 24 1 5 2 15 3 25 5 6 4 16 4 7 5 17 3 8 2 18 4 9 2 19 2 10 1 20 3

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TEST 2 ANSWER KEY 1 2 11 5 21 3 2 2 12 4 22 1 3 4 13 2 23 4 4 3 14 2 24 4 5 1 15 5 25 4 6 5 16 4 7 4 17 1 8 2 18 2 9 1 19 4 10 1 20 4

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Quiz Test Series

(B) INS Virat (D) None of the above

TEST 3 ANSWER KEY 1 1 11 2 21 2 2 2 12 3 22 3 3 2 13 2 23 1 4 1 14 1 24 2 5 3 15 4 25 2 6 4 16 4 7 2 17 4 8 3 18 2 9 2 19 2 10 4 20 2

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Quiz Test Series (D) Purushottam Kaushik

TEST 4 ANSWER KEY 1 3 11 2 21 4 2 2 12 1 22 2 3 2 13 2 23 1 4 2 14 1 24 4 5 3 15 2 25 2 6 3 16 3 7 2 17 2 8 1 18 2 9 1 19 3 10 2 20 1

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Quiz Test Series

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TEST 5 ANSWER KEY 1 2 11 1 21 3 2 4 12 3 22 5 3 4 13 4 23 4 4 4 14 2 24 2 5 4 15 5 25 1 6 3 16 4 7 1 17 1 8 2 18 3 9 2 19 2 10 4 20 1

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TEST 6 ANSWER KEY 1 1 11 3 21 3 2 2 12 1 22 2 3 5 13 3 23 4 4 3 14 1 24 3 5 2 15 5 25 4 6 1 16 1 7 5 17 3 8 3 18 2 9 5 19 2 10 1 20 3

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TEST 7 ANSWER KEY 1 5 11 1 21 2 2 2 12 3 22 3 3 4 13 3 23 3 4 4 14 5 24 4 5 3 15 4 25 5 6 1 16 3 7 2 17 4 8 5 18 3 9 1 19 4 10 4 20 1

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TEST 8 ANSWER KEY 1 3 11 3 21 2 2 1 12 3 22 3 3 4 13 1 23 2 4 3 14 3 24 4 5 1 15 2 25 4 6 2 16 5 7 4 17 2 8 1 18 3 9 5 19 5 10 2 20 3

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TEST 9 ANSWER KEY 1 3 11 3 21 1 2 2 12 2 22 3 3 2 13 1 23 2 4 2 14 2 24 1 5 4 15 2 25 4 6 4 16 1 7 2 17 3 8 4 18 3 9 2 19 2 10 1 20 2

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Quiz Test Series

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TEST 10 ANSWER KEY 1 1 11 1 21 1 2 1 12 4 22 1 3 2 13 2 23 2 4 2 14 2 24 1 5 2 15 3 25 4 6 1 16 3 7 3 17 3 8 2 18 1 9 2 19 1 10 1 20 3

CWE P.O. (September-2011)