n
It aims to provide electricity to all families in India.
Pradhan Mantri Sahaj
Bijli Har Ghar
Yojana Saubhagya
The Prime Minister Shri Narendra Modi has launched a
new scheme Pradhan Mantri Sahaj Bijli Har Ghar Yojana
Saubhagya in New Delhi on September 25, 2017 to ensure
electrification of all willing households in the country in
rural as well as urban areas.
BUDGET OF THE SCHEME
The total outlay of the project is ` 16320 crore while the
Gross Budgetary Support (GBS) is ` 12320 crore. The
outlay for the rural households is ` 14025 crore while the
GBS is ` 10587.50 crore. For the urban households the
outlay is ` 2295 crore while GBS is ` 1732.50 crore.
The government of India will provide large funds for the
scheme to all States/UTs.The States and Union Territories
are required to complete the works of household
electrification by December 31, 2018. Prime Minister
highlighted the success of Jan Dhan Yojana, insurance
schemes, MUDRA Yojana, Ujjwala Yojana, and UDAN
schemes which benefit for the poorest of the poor.
HIGHLIGHTS
About 90% of the non-electrified households are in Bihar,
Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha,
Jharkhand, Rajasthan, Karnataka, Jammu and Kashmir and
North-Eastern States. Short review of the scheme is as follows
n
The scheme basically means Sahaj Bijli Har Ghar Yojana.
2 Bankin Guru November 2017
n
It will provide free electricity connection to poor families of
India.
n
The amount will be funded largely by Centre in the budget of
scheme.
n
The scheme is being funded to the extent of 60% by Central
grants, 30% by bank loans and 10% by States.
BENEFICIARIES
The beneficiaries for free electricity connections would be
identified using Socio-Economic and Caste Census (SECC)
2011 data. However, unelectrified households not covered
under the SECC data would also be provided electricity
connections under the scheme on payment of ` 500 which
shall be recovered by distribution companies of India
(DISCOMs) in 10 instalments through electricity bill.
The expected outcomes of the scheme are as follow
n
Environmental upgradation by substitution of kerosene for
lighting purposes
n
Improvement of education services
n
Better health services
n
Enhanced connectivity through radio, television, mobiles, etc.
n
Increased economic activities and jobs
n
Improved quality of life especially for women
ABOUT THE SCHEME
For easy and accelerated implementation of the scheme,
modern technology shall be used for household survey by
using Mobile App. The beneficiaries shall be identified and
their application for electricity connection along with
applicant photograph and identity proof shall be registered on
spot. The Gram Panchayat/Public institutions in the rural
areas may be authorised to collect application forms along
with complete documentation, distribute bills and collect
revenue in consultation with the Panchayat Raj Institutions
and Urban Local Bodies.
The Rural Electrification Corporation Limited (REC) will
remain the nodal agency for the operationalisation of the
scheme throughout the country. In 2015, Prime Minister
Narendra Modi had announced to electrify the remaining
18452 unelectrified villages in 1000 days in his Independence
Day speech. The Power Ministry, however, is expected to
electrify all habited villages by December, 2017.
PREVIOUS SCHEMES
Previously two schemes were also introduced by the Modi
Government for electrification, namely UDAY and UJALA.
The Ujjwal Discom Assurance Yojana (UDAY) has brought
down losses of power distribution companies, as an example
of cooperative, competitive federalism. The cost of LED
bulbs has come down significantly owing to the impact of
Unnat Jeevan by Affordable LEDs and Appliances
(UJALA) scheme.
New India requires an energy framework that works on the
principle of equity, efficiency and sustainability. The change
in work culture in the Union government is strengthening the
energy sector. This in turn, will positively impact the work
culture of the entire country.

12th Indo-Japan
Annual Summit
Prime Minister of Japan Shinzo Abe came to India on a two
day visit to attend the 12th Indo-Japan annual summit
meeting held at Ahmedabad on September 13 and 14,
2017. With the participation of more than 100 Japanese
corporates and envoys, the Gujarat government viewed the
annual meet as a modified version of Vibrant Gujarat
Summit.
INDIAS FIRST BULLET TRAIN
PROJECT
Prime Minister Narendra Modi and Japanese Prime Minister
Shinzo Abe jointly laid the foundation stone for Indias first
high speed bullet train project between Mumbai and
Ahmedabad. High-speed train project is expected to be
completed by 2022, and is likely to traverse the distance of
over 500 km between in around two hours. Significance of
this project is as follows
n
Provides high speed connectivity
n
The Mumbai-Ahmedabad corridor, would become a Single
Economic Zone and would become the area of rapid growth.
n
Technology transfer envisaged in this project will Benefit
Indian Railways, and boost the Make in India initiative.
n
The project would be eco-friendly as well as human-friendly.
ABOUT HIGH-SPEED RAIL
High-speed rail is a type of rail transport that operates
significantly faster than traditional rail traffic, using an
integrated system of specialised rolling stock and dedicated
tracks.
While there is no single standard that applies worldwide, new
lines in excess of 250 km/h (160 mi/h) and existing lines in
excess of 200 km/h (120 mi/h) are widely considered to be
high-speed, with some extending the definition to include
lower speeds in areas for which these speeds still represent
significant improvements.
The first such system began operational in Japan in 1964 and
was widely known as the bullet train. Many countries have
developed high-speed rail to connect major cities, including
Austria, Belgium, China, France, Germany, Italy, Japan,
Poland, Portugal, Russia, South Korea, Spain, Sweden,
Taiwan, Turkey, the UK, the USA and Uzbekistan.
AGREEMENTS
India and Japan have signed 15 agreements on September 14,
2017 for enhancing bilateral cooperation in several key areas
including investment promotion, civil aviation, and science
and technology. Both leaders also reviewed entire spectrum of
bilateral cooperation. Some of signed agreements
n
MoU on international academic and sports exchange
n
MoC in field of Japanese language education in India
n
Exchange of RoD on Civil Aviation Cooperation (Open Sky)
n
MoC between Ministry of Home Affairs and Cabinet Office
of Japan
India-Japan Investment Promotion Road map between the
n
Department of Industrial Policy & Promotion (DIPP) and
the Minister of Economy, Trade and Industry (METI)
n
n
MoU between DBT and National Institute of Advanced
Science & Technology (AIST)
Arrangement between India Post and Japan Post for the
Implementation of Cool EMS service.
n
MoU between RIS and IDE-JETRO for promotion of
cooperation in research related activities.
n
MoC between METI and Gujarat on Japan-India special
programme for Make In India in Mandal Bechraj-Khoraj in
Gujarat.
n
India-Japan Act East Forum.
n
Joint Research Contract Indias Department of Biotechnology
(DBT) and between National Institute of Advanced Industrial
Science & Technology (AIST), Japan.
n
Agreement for International joint exchange programme
between interdisciplinary theoretical and mathematical
sciences programme, RIKEN and National Centres for
Biological Sciences.
BILATERAL RELATIONS
IndiaJapan relations have traditionally been strong. The
people of India and Japan have engaged in cultural exchanges,
primarily as a result of Buddhism, which spread indirectly from
India to Japan, via China and Korea. The people of India and
Japan are guided by common cultural traditions including the
heritage of Buddhism, and share commitment to the ideals of
democracy, tolerance, pluralism and open society.
India and Japan, two of the largest and oldest democracies in
Asia, having a high degree of congruence of political,
economic and strategic interests, view each other as partners
that have responsibility for and are capable of responding to
global and regional challenges. India is the largest recipient of
Japanese Official Development Assistance (ODA).
Bankin Guru November 2017 3

Maharatna Status
to Bharat Petroleum
Bharat Petroleum Corporation Limited (BPCL) announced
that the government of India, vide letter dated September 12,
2017 has conferred BPCL with Maharatna Status. Accordingly,
the Bharat Petroleum Corporation is entitled to exercise the
powers of a Maharatna Company as governed by relevant
guidelines issued by the Department of Public Enterprises.
Presently it has a Navratna status. The decision to elevate
BPCL to Maharatna status was taken by a panel headed by
Cabinet secretary and an announcement to this effect may be
made soon. BPCL will be the eighth Central Public Sector
Enterprises (CPSE) to get the coveted Maharatna status. The
status will enable BPCL Board to get enhanced powers which
will help in the expansion of its operations, both in India and
abroad.
ABOUT THE BPCL
BPCL is an Indian State-controlled Maharatna oil and gas
company headquartered in Mumbai (Maharashtra). The
corporation operates two large refineries of the country located
at Mumbai and Kochi. The company is ranked 358th on the
Fortune Global 500 list of the world's biggest corporations as
of 2016.
What is Maharatna Scheme?
A Maharatna Company criterion is based on a purely financial
health of the company. The government had introduced
Navratna scheme, in 1997, to identify CPSEs that had
comparative advantages and to support them in their drive to
become global giants.
4 Bankin Guru November 2017
The Boards of Navratna CPSEs have been delegated
powers in the areas of Capital expenditure, Investment in
joint ventures / subsidiaries, Mergers & acquisition and
Human resources management, etc.
In 2009, the government established the Maharatna status,
which raises a companys investment ceiling from
` 1000-5000 crore. The Maharatna firms would now be
free to decide on investments up to 15% of their net worth
in a project. Earlier, the Navaratna companies could invest
up to ` 1000 crore without government approvals.
Criteria for Grant of Maharatna Status
n
Having Navratna status.
n
Listed on Indian stock exchange with minimum prescribed
public shareholding under SEBI regulations.
n
Average annual turnover of more than ` 25000 crore,
during the last 3 years.
n
Average annual net worth of more than ` 15000 crore,
during the last 3 years.
n
Average annual net profit after tax of more than ` 5000
crore, during the last 3 years.
n
Should have significant global presence/international
operations.
LIST OF MAHARATNAS
As on September 13, 2017 there are 8 Maharatnas, 16
Navratnas and 73 Miniratnas. There are nearly 300 CPSEs
in total. List of Maharatna are as follows
n
n
Bharat Petroleum Corporation Limited(BPCL)
National Thermal Power Corporation(NTPC)
n
Oil and Natural Gas Corporation(ONGC)
n
Steel Authority of India Limited(SAIL)
n
Bharat Heavy Electricals Limited(BHEL)
n
Indian Oil Corporation Limited(IOCL)
n
Coal India Limited(CIL)
n
Gas Authority of India Limited(GAIL)
ABOUT THE NAVRATNAS
The Navratna status is offered to PSEs, which gives a
company enhanced financial and operational autonomy
and empowers it to invest up to ` 1000 crore or 15% of
their net worth on a single project without seeking
government approval. In a year, these companies can
spend up to 30% of their net worth not exceeding ` 1000
crore. They will also have the freedom to enter joint
ventures, form alliances and float subsidiaries abroad. A
company must first be a Miniratna and have 4
independent directors on its board before it can be made a
Navratna.
ABOUT THE MINIRATNAS
Miniratnas can also enter into joint ventures, set subsidiary
companies and overseas offices but with certain
conditions. Two categories of Miniratnas Miniratna
Category-I have made profits continuously for the last
three years or earned a net profit of ` 30 crore or more in
one of the three years. Miniratna Category-II have made
profits continuously for the last three years and should
have a positive net worth.
 CURRENT REVIEW

BANKING AND ADB LOWERS INDIAS

GROWTH OUTLOOK TO

ECONOMIC 7% FOR 2017-18

The Asian Development Bank (ADB) has
slashed India's GDP growth forecast on

ANALYSIS September 26, 2017 for the current fiscal

to 7% from 7.4% owing to weakness in
private consumption, manufacturing
output and business investment. The 7%
GDP growth expected in 2017-18 is lower
than 7.1% recorded in 2016-17 and its
earlier projection of 7.4% in July.
ADB pencilled in 7.4% for 2018-19,
down from the earlier forecast of 7.6% in
July. The ADB raised its forecast for
Chinese economic growth to 6.7% in
2017 from 6.5% and upped its estimate
for 2018 to 6.4% from 6.2%.

ECONOMIC ADVISORY
COUNCIL
RECONSTITUTED
Prime Minister Narendra Modi
reconstituted the Economic Advisory
Council (EAC) under the Chairmanship
of Bibek Debroy on September 25, 2017.
Bibek Debroy is an economist and
ABBREVIATIONS member of NITI Aayog. NITI Aayogs
ANBC Adjusted Net Bank Credit Principal Advisor and former Finance
ASSOCHAM Associated Chambers of Commerce and Industry of India
Secretary Ratan Watal has been made
member-secretary of EAC.
BCSBI Banking Codes and Standards Board of India
Members of EAC are Economist Surjit
BER Bank Exchange Rate
Bhalla, National Institute of Public
BFSI Banking Financial Services and Insurance
Finance, Policy director Rathin Roy and
CBS Core Banking Solutions Professor Ashima Goyal, Indira Gandhi
CGRA Currency & Gold Revaluation Account Institute of Development Research.
CPSE Central Public Sector Enterprise Previous Chairperson of EAC, during
CTS Cheque Truncation System Prime Minister Manmohan Singhs period
was, former RBI Governor, C. Rangarajan.
DCCB District Central Cooperative Bank
DNBS Department of Non-Banking Supervision IRDAI HAS FORMED A
EFT Electronic Funds Transfer TEN-MEMBER
FEDAI Foreign Exchange Dealers Association of India COMMITTEE
FRBM Fiscal Responsibility And Budget Management
Insurance regulator IRDAI has formed a
IBA Indian Banks Association ten-member committee on September 24,
IDRBT Institute for Development & Research in Banking Technology 2017 to help in implementing the new
MMMF Money Market Mutual Fund risk-based capital (RBC) regime and it will
NEFT National Electronic Funds Transfer also enhance protection to policyholders.
PPF Public Provident Fund
The committee will be headed by IRDAI
Member (Actuary), Pournima Gupte.
REER Real Effective Exchange Rate
Other nine members of the committee
include four IRDAI officials.

Bankin Guru November 2017 5

 CURRENT
The ten-member committee work is to ensure smooth and timely
implementation of RBC regime from existing solvency capital regime and
Terms for You
ensure completion of the project as per target. The new RBC Regime is ANYWHERE BANKING Refers to
expected to be implemented by March 2021 while the current Solvency Regime banking not only by ATMs,
will continue till switch over to the RBC Regime. Tele-Banking and internet banking, but
also to core banking solutions brought
ACKO GENERAL INSURANCE GETS IRDAI NOD in by banks where customer can
Insurance Regulatory and Development Authority of India (IRDAI) gave the deposit his money, cheques and also
withdraw money from any branch
final approval to online non-life insurance company Acko General Insurance
connected with the system. All major
Ltd on September 23, 2017. Acko General Insurance Ltd. would start operating banks in India have brought in core
in December 2017. The Insurance Company would sell multiple insurance banking in their operations to make
products through online channel. The operations of the company would be banking truly anywhere banking.
completely digital. Currently the company is working on strengthening its
CORE BANKING SOLUTIONS (CBS)
team, creating proper digital processes, and making alliances to customise Core Banking Solutions is a buzzword
products as per the need of customers. in Indian banking at present, where
branches of the bank are connected to
OECD TRIMED INDIA'S GROWTH FORECAST a central host and the customers of
TO 6.7% IN FY18 connected branches can do banking at
any breach with core banking facility.
The Organisation for Economic Co-operation and Development (OECD) has
reduced Indias growth forecast on September 22, 2017 from 7.3% to 6.7% in GROUP BANKING Group Banking is a
2017-18. It has further trimmed its forecast for Indias growth to 7.2% in particular bank, offering products and
2018-19 from an earlier estimate of 7.7%. services to a group of people (like
employees of a single company) at
The OECD believes that the transitory effects of demonetisation, GST differential rates which might not have
implementation and weak environment for business investments have resulted been available to the employees if they
in the downward revision for 2017 growth projections. OECD informed that needed those services or products.
GST is expected to increase investments, productivity and growth in the long PRIME RATE The interest rate that
run. OECD also informed that there could be further cuts in interest rates in commercial banks charge their most
India if inflation remains around or lower than 4%. credit-worthy customers. Generally a
bank's best customers consist of large
WORLD TRADE LIKELY TO GROW AT 3.6% IN 2017 corporations. The prime interest rate, or
The revised estimates of World Trade Organisation (WTO) on September prime lending rate, is largely
22,2017 stated that the world trade in goods is estimated to grow at a rate of 3.6 determined by the federal funds rate,
which is the overnight rate which banks
% in 2017. Growth in world trade for 2017 was earlier predicted as 2.4 % by
lend to one another.
WTO. Now it has been revised to 3.6 %. The growth rate in 2018 is estimated
to be around 3.2 %. UNDERWRITING It is an agreement by
the underwriter to buy on a fixed date
The reasons for the improved growth rate are stated as Asian trade flows and and at a fixed rate, the unsubscribed
recovery of import demand in North America. Also, Global GDP growth has portion of shares or debentures or
been projected by OECD at 3.5 % in 2017-18 and 3.7 % in 2018-19, with other issues. Underwriter gets
growth likely to be higher in the Euro area, Russia, Japan and Canada. commission for this agreement.
V-GYANSAGAR It is a unique initiative
MSE LAUNCHED MEMBER ACTIVATION DRIVE taken by Vijaya Bank to impart financial
Metropolitan Stock Exchange literacy to public. It is Android based
of India (MSE) launched a mobile application that enables its
Member Activation Drive for subscribers to receive regular updates
its members on September 20, on banking and financial news. It
provides explanation of banking
2017. MSE introduced a
terminologies.
Business Loyalty Program
called MY MSE. This scheme V-QUICKPAY It is unique next
will provide infrastructural generation bill payment service where
bill payment is made by scanning the
support, incentive schemes and
QR code on the bill generated by the
lowest transaction charges on all product contracts to its members. merchant. There is no need to swipe
The members should satisfy several business and risk mitigating parameters to credit or debit cards. This is truly
be eligible for the incentive. MSE will reimburse the Clearing Fee paid by its unique initiative taken by the Vijaya
trading members to their clearing members. This will reduce transaction cost for Bank.
brokers. User Id activation fee will be reimbursed for all brokers. MSE will focus
on expanding the market by identifying the gaps.

6 Bankin Guru November 2017


SEBI ALLOWED REITs & INVITs TO
ISSUE BONDS
SEBI allowed Infrastructure Investment Trusts (InvITs) and
Real Estate Investment Trusts (REITs) on September 17,
2017 to raise funds by issuing debt securities, in Mumbai.
The market regulator also introduced the concept of
strategic investor in REITs on similar lines of InvITs.
SEBI also allowed single-asset REIT on similar lines of
InvIT. Earlier, these trusts were allowed to raise funds only
through equity. Market experts informed that REITs were a
failure since they were introduced in 2014 due to certain
strict structure-related norms. No real estate company has
launched a REIT so far.
GSTN REOPENED
COMPOSITION SCHEME
The GST Network (GSTN) has reopened composition
scheme window facility for small taxpayers with turnover of
up to ` 75 lakh to opt for composition scheme, which offers
easy compliance for business as returns are to be filed only
quarterly. The window will be open for those taxpayers who
have migrated from earlier excise, service tax or VAT regime
as well as for the newly registered taxpayers.
Earlier, small taxpayers were given time deadline of August
2017 to opt for composition scheme. But, only 10.86 lakh
taxpayers, out of total 85 lakh registered businesses had opted
for the scheme. GSTN is a not for profit, non-Government,
private limited company incorporated in 2013. The Union
Government holds 24.5% equity in GSTN.
INDIAS GDP GROWTH LIKELY TO
SLIP BELOW 7%
A report by DBS, a multinational banking and financial
services corporation, informed on September 15, 2017 that
Indias GDP growth is likely to reduce below 7% this
financial year (2017-18). According to DBS, two main
reasons for the downfall are demonetisation in November
2016 and GST implementation in July 2017.
These added to the already slow growth in manufacturing
and investment sectors. Also note ban reduced cash
availability, affecting heavily the cash sensitive businesses
like construction, logistics, and small and medium size
enterprises. This GDP downfall would be the lowest in
3 years. Recovery would be gradual. Much of recovery
could not be expected in 2017 and 2018.
NPS ENTRY AGE LIMIT RAISED
The Pension Fund Regulatory and Development Authority
(PFRDA) has upped the age limit for joining the National
Pension Scheme (NPS) to 65 years from the current 60. It
was announced by Chairman PFRDA Hemant Contractor
at a conference on "Transferring Superannuation Funds to
National Pension System".
It is a contribution based pension scheme aimed at
providing income in retirement years with market-based
return over the long term.
CU RRENT
Under NPS, there are two types of accounts : Tier I and Tier II.
While the Tier I account is non-withdrawable till the age of 60
except in specific situations, the Tier II account is voluntary and
can be withdrawn anytime. NPS account can be opened by
Indian citizens above 18 years and less than 65 years of
age(earlier this was 60). Non-resident Indians (NRIs) can also
open an NPS account. As of now only 15 to 16% of employees
in India are covered by pensions as 85 % of the workforce is
employed in the unorganised or informal sector.
GLOBAL FINANCIAL CENTRES INDEX
Global Financial Centres Index 2017 was released on
September 12, 2017, in which London has retained its 1 rank
despite major issues regarding Brexit. This is the 22nd edition
of Global Financial Centres Index. The Global Financial
Centres Index provides ranking of competitiveness for the
major financial centres around the world.
London is followed by New York in the 2nd position and
Hong Kong in the 3rd. Mumbai has managed to get 60th
rank in the list. The rankings were done based on the
following 5 areas of competitiveness - Business Environment ,
Human Capital , Infrastructure , Financial Sector
Development and Reputation.
INDIA RISE ON EASE OF
BUSINESS INDEX
The World Bank had shared its feedback, stating that it had
accepted many of the reforms claimed by the government on
September 13, 2017. Indias rank had improved by just one
spot to 130 among 190 countries. India had showed one of its
poorest performances on the parameter of Paying Taxes last
time, ranking 172 among the countries surveyed for the
report.
That, along with an equally lower position in Enforcing
Contracts, landed India at the 130th spot, falling behind
countries such as Mexico (38), Russia (51) and Pakistan
(138). The ranking considers business environment in Delhi
and Mumbai. The ease of doing business index is an index
created by the World Bank Group.
IRDAI ALLOWED
ONE-TIME PASSWORD
Insurance Regulatory and Development
Authority (IRDAI) announced usage of
OTP (One Time Password) for opening
e-Insurance Account (eIA) as an
alternative to electronic signature, in
New Delhi on September 11, 2017. In
order to facilitate the opening of eIA
through online or electronic means, the
authority has permitted validation by
One Time Password (OTP). Now, e-signature of the eIA
holder on the application form for opening the account is
considered as a valid authentication. Also IRDAI has
permitted the e-KYC (Know Your Customer)facility offered
by UIDAI (Unique Identification Authority of India) which
provides unique Aadhaar numbers.
Bankin Guru November 2017 7
 CURRENT
SEBI IMPOSED PENALTY ON A
DEFAULTER
Securities and Exchange Board of India (SEBI) had
imposed ` 2423 crore fine on PACL Ltd and its four
directors for illegal fund mobilization through various
schemes on September 10, 2017. According to the SEBI
, ` 49100 crore was mobilised by PACL over 15 years
through unregistered collective investment schemes in
violation of the Securities and Exchange Board of India
Act, 1992, and SEBI (Collective Investment Schemes)
Regulations, 1992. The penalty should be remitted
within 45 days of receipt of this order jointly and
severally by PACL and its four Directors.
CONTACT @DGFT SERVICE
LAUNCHED
The government set up an online service facility Contact
@DGFT to help importers and exporters resolve all
foreign trade-related issues, in New Delhi on September
8, 2017. DGFT means Directorate General of Foreign
Trade.
This services comes under commerce ministry. This
system is a single point of contact for all foreign
trade-related issues. Traders can raise issues related to the
directorate or other agencies of the Centre and States. To
make this service effective traders are expected not to
send their queries through twitter or e-mail.
ICICI LOMBARD GETS SEBI
NOD FOR IPO
ICICI Lombard General Insurance Company has got
SEBIs go-ahead for its estimated ` 6000 crore IPO,
which could be the first by a general insurer in the
country. ICICI Lombard is a joint venture between
ICICI Bank and Canada-based Fairfax Financial
Holdings Ltd (Toronto). Headquarters of ICICI
Lombard is located in Mumbai.
Two State-run general insurers General Insurance Corp
of India and New India Assurance Company as also
two life insurance firms (SBI Life and HDFC Standard
Life) have also lined up IPO plans and are awaiting
SEBIs go-ahead for their respective draft papers.
SEBI had sought clarification from IRDAI regarding
General Insurance Corp (GIC) on August 21 and about
New India Assurance Co Ltd on August 16 and about
HDFC Standard Life on August 23, 2017. An Initial
Public Offering (IPO) is the first time that the stock of a
private company is offered to the public.
IPOs are often issued by smaller, younger companies
seeking capital to expand, but they can also be done by
large privately owned companies looking to become
publicly traded. In an IPO, the issuer obtains the
assistance of an underwriting firm, which helps
determine what type of security to issue, the best offering
price, the amount of shares to be issued and the time to
bring it to market.
8 Bankin Guru November 2017
ECONOMIC GROWTH OF INDIA SLIPPED
TO 5.7%
Indias economic growth slipped to a three-year low of 5.7% in
April-June, 2017, underscoring the disruptions caused by
uncertainty related to the GST rollout amid slowdown in
manufacturing activities. Morgan Stanley report explained that
economic activity in the country lost some pace amid GST
related disruptions but underlying growth momentum remains
strong and the country may clock 6.7% growth this fiscal
(2017-18).
GDP is a monetary measure of the market value of all final goods
and services produced in a period (quarterly or yearly) of time.
Total GDP can also be broken down into the contribution of
each industry or sector of the economy. The ratio of GDP to the
total population of the region is the per capita GDP and the
same is called Mean Standard of Living.
Morgan Stanley is a leading global financial services firm
providing investment banking, securities, wealth management
and investment management services. It is headquartered at
Midtown Manhattan, New York City.
FINCARE SMALL FINANCE
BANK STARTED
Fincare Small Finance Bank
(previously known as Disha
Microfin Limited)
kick-started its banking
operations on September 1,
2017 with about 25
operational branches across
Gujarat, Tamil Nadu,
Karnataka and Andhra
Pradesh. The bank was given
final small finance bank (SFB)
licence from the RBI in May
this year (2017).
In order to get a small finance bank license, Disha Microfin had
acquired the business of Future Financial Services in October
2016. Currently, as per the RBI norms, promoters and
management hold 20% in Fincare, while the remaining 80% is
with Private Equity funds. The bank aims to be digitally driven,
rural and semi-urban bank, focusing on the priority sectors and
retail segments of micro and small enterprises. MD & CEO of
Fincare SFB is Rajeev Yadav.
NEARLY 99% OF SCRAPPED NOTES
CAME BACK IN RBI
As per the data released by the RBI on September 1, 2017, old
notes worth ` 15.44 lakh crore were there in the market out of
which 15.28 lakh crore have been received by the bank. This
means that 98.96% of ` 1000 and ` 500 notes that were banned
as a result of demonetisation were returned to the central bank
by the end of June 2017. In value terms, the share of 500 and
above banknotes, which had together accounted for 86.4% of the
total value of banknotes in circulation at the end-March 2016,
stood at 73.4% at the end of March 2017.

At the Reserve Banks currency verification and processing
system during 2015-16, there were 2.2 pieces of fake
Indian currency notes (FICNs) of Rs. 500 denomination
and 5.8 pieces of FICNs of ` 1000 denomination for every
million pieces of notes processed; which rose to 5.5 pieces
and 12.4 pieces respectively during post demonetization
period.
RBI ANNUAL REPORT 2016-17
RELEASED
The Reserve Bank of India released its Annual Report for
2016-17 on August 30, 2017. According to report, overall
GVA (gross value added) growth is projected at 7.6% in
2016-17, up from 7.2% last year. It attributed a
better-than-anticipated agricultural growth and the
expected allowances under the Seventh Pay Commission
expected to be paid in the fourth quarter to boost
consumer demand. Key Highlights of report-
n
99% demonetised cash back in the system
n
Electronic payment stood at Rs 107.48 lakh crore in July
2017
n
Digital payments in India recorded 55% growth during
Financial Year 2017
As per RBI, there are ten digital payment modes RTGS,
NEFT, CTS, Immediate Payment Service (IMPS),
NACH, Unified Payment Interface ( UPI), USSD, Debit
and Credit cards usage at Point of Sale (PoS) and mobile
banking. In value terms, electronic payment stood at ` 94
lakh crore touched ` 104.05 lakh crore in December
2016 further to record of ` 149.58 lakh crore and halting
at ` 107.48 lakh crore in July 2017.
RAJASWA GYAN SANGAM 2017 HELD
The 2017 Rajaswa Gyan Sangam, a two-day annual
conference of senior tax administrators was held at Vigyan
Bhawan, New Delhi. It was inaugurated Prime Minister
Narendra Modi. The conference was jointly organised by
Central Board of Direct Taxes (CBDT) and Central Board
of Excise & Customs (CBEC).
The objective of the Conference is to enable a two-way
communication between the policy-makers and the senior
officers in the field offices. Its aim is to increase revenue
collection and facilitate effective implementation of law
and policies in key result areas. Apart from the joint
sessions, separate technical sessions of each Board also held
during the two-day Conference.
CU RRENT
PAN-AADHAAR LINKING
LAST DATE EXTENDED
The government today extended by four months the deadline
for linking PAN with biometric identifier Aadhaar till
December 31, 2017. Earlier, the last date for linking PAN to
Aadhaar was August 31, 2017. The government had made
mandatory the linking of the two databases for filing ITRs.
According to the Income Tax Act that every person having
PAN as on July 1, 2017 is eligible to obtain Aadhaar, must
intimate his Aadhaar number to the tax authorities.
As per the Income Tax laws, people who are not citizens of
India, those above 80 years of age and residents of the states of
Assam, Meghalaya and Jammu and Kashmir had been exempt
from the requirement. It is stated that income-tax returns filed
will not be processed if tax filers fail to link Aadhaar and PAN
on or before August 31, 2017.
DIPP RELEASED CONSOLIDATED
FDI POLICY
The Department of Industrial Policy & Promotion (DIPP) has
released on August 30, 2017 its latest edition of consolidated
Foreign Direct Investment (FDI) Policy incorporating all the
changes in rules and procedures notified by the government
over the past year. The consolidated policy lays down the
general conditions on FDI, procedures for government
approval and sector specific conditions on FDI.
Highlights of the policy
n
For the first time, the document has included start-ups. As per
the norms, start-ups can raise up to 100 per cent of funds from
Foreign Venture Capital Investor (FVCI).
n
The start-ups can issue equity or equity linked instruments or
debt instruments to FVCI against receipt of foreign remittance.
n
Person residing outside India (other than citizens of Pakistan and
Bangladesh) can purchase convertible notes issued by Indian
start-up company for ` 25 lakh or more in a single tranche.
n
Non Resident Indians can also acquire convertible notes on
non-repatriation basis. A citizen of Pakistan or an entity
incorporated in Pakistan is also barred from investing in
defence, space, atomic energy sectors, etc.
n
A start-up company, engaged in a sector that requires government
approval for foreign investment, can issue convertible notes to a
non-resident only with approval of the Government.
n
The start-up issuing convertible notes will be required to provide
reports as prescribed by the RBI.
n
The rule allowing foreign airlines to own up to 49 per cent in
Indian carriers do not apply to Air India.
UJJIVAN SFB RECEIVES SCHEDULED
BANK STATUS FROM RBI
The Ujjivan Small Finance Bank has received the scheduled
bank status on August 30, 2017 from Reserve Bank of India
(RBI). The Ujjivan Small Finance Bank is a wholly-owned
subsidiary of Ujjivan Financial Services Ltd. It has been
included in the second scheduled to the RBI Act 1934. With
this Ujjivan Small Finance Bank can issue certificate of
deposits.
Bankin Guru November 2017 9
 CURRENT
Ujjivan SFB commenced its operations as a Small Finance
Bank with effect from February 1, 2017. Currently, It has 65
CORPORATE
full-fledged brick and mortar branches in eight states and HP UNVEILED ELITEPOS SYSTEM
two Union Territories. It plans to convert 160 existing
HP Inc India launched its new, all-in-one point-of-sale
branches and 29 new Unbanked Rural Centres (URCs) by
(POS) system HP ElitePOS at the India Retail Forum
the end of Financial Year 2017-18 and the remaining
2017? event, in Mumbai on September 18, 2017. It will be
branches will be converted over a period of two years in line
available with all HP authorised sellers from October 2017.
with RBI approval.
It runs on Windows 10 OS (Operation System). It has fast
NEW SERIES OF GROSS STATE DDR4 memory and 7th-Gen Intel Core processors with
DOMESTIC PRODUCT (SDP) DATA vPro technology. It has hardware and integrated software
RELEASED security features like HP Sure Start Gen3, HP BIOSphere
Gen3, fingerprint login and a bolt-to-counter configuration.
Central Statistics Office(CSO) published new series of Gross
State Domestic Product (GSDP) data on August 30, 2017 AIRTEL LAUNCHED OFFICE-IN-A-BOX
with 2011-12 as the base year. According to it Jammu and CONNECTIVITY
Kashmir and Arunachal Pradesh were the fastest expanding
State economies in 2015-16. On the whole, the national
economy expanded by 8 per cent in 2015-16 at constant
2011-12 prices. Compilation of the growth data for 2016-17
is not yet complete, as only 18 States and Union Territories
have reported their numbers to the CSO.
Highlights of published data
n
Arunachal Pradeshs gross State domestic product (GSDP)
expanded 5% and that of Jammu and Kashmir 14.7% at
constant 2011-12 prices.
n
The economies of bigger States such as Maharashtra and Airtel has launched Office-In-a-Box on September 17, 2017
Uttar Pradesh expanded about 8-8.5% that year. for start-ups which are registered under the Karnataka
n
The per capita income among the four largest State governments Start-Up Cell initiative. Airtel has been included
economies are as follows - Gujarat at ` 122502.06, in top priority as the preferred partner for the state
Maharashtra at ` 121514.50, Karnataka at ` 113506.12 and governments initiative. Airtels Office-In-a-Box offers a range
Tamil Nadu at ` 111453.76. of services to support the business requirements of start-ups.
n
Maharashtra remains the largest State economy, with its size It is also available on a scale-as-you-grow model with easy
estimated at ` 1659776.05 crores ( ` 16.6 lakh crore) at
payment options. The services include various facilities like
constant 2011-12 prices followed by Tamil Nadu (estimated at
voice and data solutions; audio and web collaboration; cloud
` 948673.85 cr) , Gujarat (estimated at ` 901375.28 cr), Uttar
Pradesh (` 901256.8 cr).
services; payments bank services; go-to-market support across
SMS, MMS, e-mail, voice, IVR and USSD; GPS and
n
Karnataka was the fifth largest with an estimated size of
RFID-based tracking of assets.
` 814802.64 at constant 2011-12 prices.
n
These above five States together account for about 46% of the GOOGLES UPI-BASED DIGITAL
nations GDP.
PAYMENT SERVICE LAUNCHED
POS-EASY BIMA PLAN LAUNCHED Tech Giant Googles Unified Payments Interface (UPI)
Canara HSBC Oriental Bank of Commerce Life Insurance based digital payment service Tez (meaning fast in Hindi)
Company (CHOICE) has come up with a Point-of-Sale was launched by Union Finance Minister Arun Jaitley in
product on August 29, 2017, targeted at the mass-market New Delhi. With this, Google become latest international
segment. The product PoS - Easy Bima Plan is the first PoS giant to enter into Indias fast growing digital payment
product for the company and is a pure term insurance plan ecosystem. Tech giant Google is slated to unveil a digital
that not only gives life cover but also returns all premiums payment service in India that has been developed for the
paid during the payment term on survival till maturity. local market.
It is specially designed to provide an affordable and hassle Google Tez is standalone payments application, available on
free protection, to take care of the needs of your loved ones. Android and iOS. The app can be used to pay for movie
The affordable premiums start from ` 1000 annually and tickets, utility bills, and make other transactions online. It
there is inbuilt double life cover in case of accidental death. supports several local languages including Hindi, Bengali,
It would be available in the bank branches of Canara Bank Gujarati, Kannada, Marathi, Tamil and Telugu and will
and Oriental Bank of Commerce (OBC) in the next two work with 55 banks. Google has partnered with Axis, HDFC
months. The product will also be available online in next few Bank, ICICI, and State Bank of India (SBI) for backend
months. processing.

10 Bankin Guru November 2017


AIRTEL GST ADVANTAGE
LAUNCHED
Airtel Business , an arm of the Bharti Airtel telecom
launched Airtel GST Advantage on September 8, 2017 to
enable small businesses and start-ups file their GST
(Goods & Services Tax) returns with ease, in New Delhi.
The Airtel GST Advanatge was launched by Airtel
Business in partnership with ClearTax. This is offered for
free to all existing Airtel Business customers. In addition,
customers can upload their returns without worrying
about data charges.
Airtel GST Advantage caters to its customers in three ways -
n
Customers can get free and secure access to the GST
Network through Clear Tax
n
Airtel customers will have access to its GST Advantage
Helpdesk between 8 am and 8 pm on all weekdays.
n
Airtel has released a GST Knowledge Bank, which provides
an in-depth information about GST.
CENTRE CLEARED 100% STRATEGIC
SALE OF CEL
Department of Investment and Public Asset Management
(DIPAM) has approved a 100% disinvestment through
strategic sale along with transfer of management control of
Central Electronics Ltd. (CEL) on August 30, 2017.
In Strategic disinvestment, significant proportion of a
Public-Sector Units (PSU) share and the management
control goes to a private sector which is its strategic
partner. In ordinary disinvestment, management of PSU
is retained with Government. CEL was incorporated as
CPSE in 1974 under the administrative control of
Ministry of Science and Technology. It was wholly owned
by the government of India.
BANKING
SBI REVISED SERVICE CHARGES ON
MAINTAINING MAB
State Bank of India (SBI) has reviewed the requirement of
maintaining Monthly Average Balance (MAB) and the
charges for non-maintenance of MAB on September 25,
2017. In this context, SBI would like to state that
financial inclusion including JAN DHAN Accounts have
never been subject to any charges. The minimum balance
requirement in metro centres are reduced to ` 3000.
The charges for not maintaining MAB at semi-urban and
rural centres vary from ` 20 to ` 40. The charges at urban
and metro centres vary from ` 30 to ` 50. Apart from Jan
Dhan or PMJDY accounts and Basic Savings Bank
Deposits Accounts (BSBD), SBI has exempted the
following savings bank accounts from MAB- Financial
Inclusion Accounts, Basic Savings Bank Deposit
Accounts, Small Accounts , Pehla Kadam and Pehli
Udaan accounts , Minors up to the age group of 18 and
Pensioners.
CU RRENT
SBI LAUNCHES CHATBOT
SBI (State bank of India)
launched a Chatbot (chat
assistant) to respond and answer
customer enquiries on
September 25, 2017.
The chat assistant is named as SBI
Intelligent Assistant (SIA). It uses
Artificial Intelligence technology.
It will help customers with
everyday banking tasks, like a
bank representative.
Payjo, an Artificial Intelligence Banking Platform developed
the Chatbot in collaboration with SBI. SIA has the capacity to
handle nearly 10,000 enquiries per second and 864 million per
day.
MASALA BONDS TO BE TREATED
AS ECB
The Reserve Bank of India (RBI) announced that Masala bonds
will be treated as External Commercial Borrowings (ECB) from
October 3, 2017. Masala bonds are rupee-denominated overseas
bonds.Considering Masala bonds as ECBs will free up more
investments by FPIs (Foreign Portfolio Investors).
Currently, the limit for investment by FPIs in corporate bonds
is ` 244323 crore. Masala bonds will no longer be a part of the
limit for FPI investments in corporate bonds. They will be a
part of the ECBs.
ECB is basically a loan availed by an Indian entity from a
nonresident lender. Most of these loans are provided by foreign
commercial banks and other institutions. It is a loan availed of
from non-resident lenders with a minimum average maturity of
3 years. Most of these loans are provided by foreign commercial
banks and other institutions.
BANDHAN BANK APPOINTED FIVE LEAD
MANAGERS
Bandhan Banks Board has decided on September 23, 2017 to
appoint Goldman Sachs Group, JPMorgan Chase, Axis Bank,
JM Financial and Kotak Mahindra Bankas lead managers to
manage its proposed initial public offering (IPO).
The final decision on the proposed IPO will be subject to all
regulatory approvals. Bandhan Bank could raise at least ` 5000
crore (USD 780 million) and aims to sell shares in 2018.
Investors will be offered about 10% stake in Bandhan Bank
through the IPO.
Lead managers are independent financial institution appointed
by the company going public. Companies appoint more then
one lead manager to manage big IPO's. They are known as
Book Running Lead Manager and Co Book Running Lead
Managers.
Their main responsibilities are to initiate the IPO processing,
help company in road shows, creating draft offer document and
get it approve by SEBI and stock exchanges and helping
company to list shares at stock market.
Bankin Guru November 2017 11
 CURRENT
RBI NOTIFIES P2P LENDING
PLATFORMS AS NBFCs
The Reserve Bank of India notified on September 20, 2017
that peer-to-peer (P2P) lending platforms would be treated as
non-banking financial companies (NBFCs). This suggests the
lending interface will now come under the purview of RBIs
regulation under the RBI Act.
P2P lending is a form of crowd-funding used to raise loans
which are paid back with interest. It can be defined as the use
of an online platform that matches lenders with borrowers in
order to provide unsecured loans. The borrower can either be
an individual or a legal person requiring a loan. The interest
rate may be set by the platform or mutual agreement between
between the borrower and the lender.
COIN ON DR. MS SUBBULAKSHMI
UNVEILED
Vice President Venkaiah Naidu unveiled commemorative
coins of ` 100 and ` 10 denominations on the birth
centenary musician Bharat Ratna MS Subbulakshmi on
September 19, 2017. The coins were launched at an event
held at New Delhis Indira Gandhi National Centre for the
Arts. Dr. Mahesh Sharma ,the Minister of State for Culture
(I/C) and Environment, Forest & Climate Change, and other
notable personalities was also honored with their presence.
MS Subbulakshmi was the first musician to be awarded the
Bharat Ratna to winning the Ramon Magsaysay Award, and
performing at the UN General Assembly. Gandhiji had
requested her to perform a Hari Tuma Haro bhajan, which
she did. Madurai Shanmukhavadivu Subbulakshmi was an
Indian Carnatic singer from Madurai, Tamil Nadu.
She is the first Indian musician to receive the Ramon
Magsaysay award (1974), often considered Asias Nobel Prize.
She was also widely honoured, praised and awarded. Some of
the popular ones include Padma Bhushan (1954), Sangeet
Natak Akademi Award ( 1956), Sangeetha Kalanidhi (1968),
Padma Vibhushan (1975), Kalidas Samman (1988) ,Indira
Gandhi Award for National Integration (1990) and Bharat
Ratna (1998).
HDFC BANK RETAINS ITS NO. 1
POSITION
HDFC Bank has retained its No.1 position in the BrandZ
India Top 50 report of the year 2017 on September 17,
2017. According to the reports, the bank is stated to have
doubled its brand value from $9.4 billion to $18 billion since
2014. The report stated that Airtel, State Bank of India, Asian
Paints, ICICI Bank, Kotak Mahindra Bank, Maruti Suzuki,
Bajaj Auto, Hero MotoCorp and Axis Bank comprise the rest
of the top 10 brands report.
The 2017 Best Countries Report states that India stands out
for its history, cultural influence, distinction and reputation
for entrepreneurship. The valuation behind the BrandZ Top
50 Most Valuable Indian Brands was conducted by Kantar
Millward Brown which specialized in brand equity research
and brand valuation.
12 Bankin Guru November 2017
UJJIVAN BANK TO REPLACE LOANS
WITH CERTIFICATE DEPOSITS
Ujjivan Small Finance Bank has informed on September 8,
2017 that it will bring down its cost of funds by up to 150
basis points during the current financial year by replacing
75% of its bank loans with borrowings using money market
instruments including certificate of deposits.
The bank will be issuing 90-day certificate deposits (CDs)
to mutual funds and insurance companies and fixed deposits
(FDs) to corporates, trusts and cooperative banks.
The decision follows the grant of a scheduled bank status to
Ujjivan. Ujjivan, which operated a microfinance business,
received a licence to operate as a small finance bank earlier
this year (2017). It means that the institution can raise
money from the inter-bank money market.
FIRST WATER ATM INAUGURATED IN
HYDERABAD
First water ATM has
been inaugurated by
Telangana State
Home Minister N
Narasimha Reddy at
Nalgonda X Roads on
September 7, 2017.
In the first phase 50
water ATMs will be
operationalised by
2018. Safe Water
Network, an
international NGO
has partnered with
Greater Hyderabad Municipal Corporation (GHMC) to
launch water ATMs.
These water ATMs use a seven step treatment process to
purify water that adheres to national norms. The Hyderabad
Metropolitan Water Supply and Sewerage Board
(HMWSSB) will supply raw water for these ATMs. They
are connected via cloud-based technology for real-time
monitoring and analyses operational parameters, thereby
minimising downtime.
BANKS WITHOUT AADHAAR
ENROLMENT CENTRES FACE
` 20000 FINE
Unique Identification Authority of India (UIDAI) CEO
Mr.Ajay Bhushan Pandey informed that the UIDAI has
given banks one more month to open Aadhaar enrolment
centres in a stipulated 10% of branches and will impose
` 20000 as fine per uncovered branch after September 30,
2017.
Failure to open the stipulated facility even after expiry of
theSeptember 30 deadline would mean that the bank will
have to pay a penalty of ` 20000 per uncovered branch in
the first month. Similarly, the penalty will be imposed in
subsequent months also.

RBI RESTRICTED FIIS FROM
BUYING SHARES IN BHARAT
FINANCIAL
The Reserve Bank has restricted foreign investors from
buying more shares in non-banking finance company
Bharat Financial Inclusion after the allowed investment
limit reached the ceiling. Bharat Financial Inclusion
Limited (formerly known as SKS Microfinance
Limited) BFIL is a non-banking finance company
(NBFC), licensed by the Reserve Bank of India.
The RBI informed that foreign shareholding in the
company through foreign institutional investors
(FIIs)/foreign portfolio investors (FPIs) has reached
trigger limit in Bharat Financial Inclusion.
FIIs, NRIs and PIOs (Persons of Indian Origins) can
invest in primary and secondary capital markets in
India through portfolio investors scheme (PIS). The
RBI monitors ceilings on FII/NRI/PIO investments in
Indian companies on a daily basis.
BHIM APP TO BE SINGLE POINT
FOR ALL MOBILE PAYMENTS
The ministry of electronics and IT (MeitY) is working
on a multi-pronged strategy under which it plans to
make the Bharat Interface for Money app, or BHIM,
the single point for all mobile payments. The News
came up on September 7, 2017. This plan includes
handsets coming pre-loaded with the application as
well as having a single quick response (QR) code that
will be integrated with the app and is accepted by all
merchants, in a bid to enable a seamless nationwide
network.
BHIM (Bharat Interface for Money) is a Mobile App
developed by National Payments Corporation of India
(NPCI), based on the Unified Payment Interface
(UPI). It was launched by the PM Narendra Modi in
New Delhi on December 30, 2016.
It has been named after Dr. Bhimrao R. Ambedkar. If
the 12-digit Aadhaar number is listed as a payment ID,
the BHIM app will not require any biometric
authentication or prior registration with the bank or
Unified Payment Interface (UPI). At present, there is
no charge for transaction from ` 1 to ` 1 Lakh.
CU RRENT
SBI LAUNCHED SBI INTELLIGENT
ASSISTANT
State Bank of India (SBI) is
the latest to get smitten by
the Artificial Intelligence and
Automation. They have
launched their first ever
chatbot called SBI Intelligent
Assistant or SIA on
September 5, 2017, which
would be powered by AI,
and designed to assist
customers. After ICICI Bank
and HDFC Bank adopted automation in banking, SBIs move
towards AI is seen as a major leap for Indian banking. This special
chatbot has been created & developed by Allincall, which is a
startup from Mumbai, and backed by startup cell of IIT Bombay.
RBI LISTS HDFC BANK AS D-SIB OR
TOO BIG TO FAIL
RBI has included HDFC in the list of too big to fail lenders on
September 4, 2017, referred to as D-SIB or domestic systemically
important bank. Indias largest lender SBI and private sector major
ICICI Bank was classified as D-SIBs in 2015. With the inclusion
of HDFC Bank in the list, there will now be three too big to fail
financial entities in the country.
The RBI categorises SIBs under 5 buckets depending upon their
Systemic Importance Scores (SISs). Accordingly, ICICI Bank and
HDFC Bank are in the first bucket. The banks need an additional
tier I capital of 0.1% of loans for the current financial year
(2017-18). From 1 April 2018, the requirement will be an
additional 0.15%. SBI is in the third bucket. It requires additional
tier I capital of 0.3% in 2017 and 0.45% for the next financial year.
About SIBs
THERE ARE TWO TYPES OF SIBS- GLOBAL SIBS- IDENTIFIED BY BASEL
COMMITTEE ON BANKING SUPERVISION AND DOMESTIC SIBS- IDENTIFIED BY
RBI. THE BASEL COMMITTEE ON BANKING SUPERVISION (BCBS) CAME OUT WITH
A FRAMEWORK IN NOVEMBER 2011 FOR IDENTIFYING THE GLOBAL
SYSTEMICALLY IMPORTANT BANKS (G-SIBS).THE RESERVE BANK HAD ISSUED
THE FRAMEWORK FOR DEALING WITH DOMESTIC SYSTEMICALLY IMPORTANT
BANKS (D-SIBS) ON JULY 22, 2014. ACCORDING TO RBI THE ADDITIONAL
COMMON EQUITY TIER 1 (CET1) REQUIREMENT FOR D-SIBS HAS ALREADY BEEN
PHASED-IN FROM APRIL 1, 2016 AND WILL BECOME FULLY EFFECTIVE FROM
APRIL 1, 2019. RBI DECLARES A LIST OF D-SIBS EVERY YEAR. THE FIRST LIST
WAS RELEASED IN 2015.

Other Importants Events

Name Related Facts
ICICI plans payday-type ICICI Bank will partner with e-commerce firms to provide automated payday loan-type credit to customers at the
loans bottom of the digital pyramid.
(September 26, 2017)
The pay later facility will be available to even those who have not availed of any loan in the past and for small amounts
of up to ` 20000.
SBI opens new branch in SBI launched its 6th branch in Ang Mo Kio area of Singapore.
Singapore
(September 24, 2017) SBI country-head for Singapore Mr.Soma Sankara Prasad was present in the inauguration of Ang Mo Kio branch.
SBI launched SBI (State Bank of India) launched its Management Institute in Kolkata.
Management Institute
(September 24, 2017) It is named as State Bank Institute of Management (SBIM).
Aim of the institute is to form an institution of global standards in banking and finance.

Bankin Guru November 2017 13

CURRENT
Name Related Facts
Dabur India and Amazon FMCG major Dabur India has tied up with e-commerce major Amazon for an online ayurveda marketplace.
(September 24, 2017)
The main objective is to service all health and personal care related needs of patients.
Sound-Based Contactless IT major Infosys has announced partnership with software services provider ToneTag. The sound-based technology will
Payments Solution enable exchange of information for payment processing between the point-of-sale machines and consumers phone.
(September 23, 2017)
The solution will be available on all mobile devices, including feature phones connected through Finacle mobile
banking and Finacle digital wallet.
SBI launches Indias first State Bank of India (SBI) launched Indias first bond index series for overseas investors at the London Stock Exchange
bond index series (LSE), in United Kingdom.
(September 23, 2017)
SBI launched the FTSE (Financial Times Stock Exchange) SBI Bond Index Series in alliance with FTSE Russell at the
London Stock Exchange (LSE).
Aditya Birla bought Abof.com the e-commerce site owned by Aditya Birla Group will be shut down by the end of this year due to the strong
Abof.com competition from leading sector Amazon and Flipkart.
(September 23, 2017)
Abof.com launched in October 2015 has portfolio across clothing, footwear and accessories besides a collection of the
groups own brands like Allen Solly and Peter England, among others.
NITI Aayog and IRF The National Institution for Transforming India (NITI Aayog) and the International Road Federation, Geneva (IRF
Geneva Geneva) signed a Statement of Intent (SoI) to cooperate in the field of Intelligent Transportation Systems (ITS).
(September 21, 2017)
The National ITS Policy covers- Traffic Management, Parking Management , Electronic Enforcement of Traffic Rules
and Regulations , Fleet Management and Monitoring ,Innovation in the field of ITS and Education in the field of ITS
PSUs signed MoU to form 3 PSUs National Aluminium Company (NALCO), Hindustan Copper (HCL) and Mineral Exploration Corporation Limited
Khanij Bidesh India Ltd (MECL), signed a MoU to form a joint venture named Khanij Bidesh India Ltd (Kabil).
(September 19, 2017)
Khanij Bidesh India Ltd will identify, explore, acquire, develop and process minerals overseas for commercial use and
to meet domestic supply needs.
West Bengal gets loan Asian Development Bank (ADB) has approved a loan of $ 300 million to carry out fiscal reforms in West Bengal to make
from ADB public services more accessible, affordable, and high quality.
(September 21, 2017)
The reforms would be implemented in a period of 2 years.
Along with the loan, $ 5,00,000 would be given for technical assistance.
Fino Payments Bank This app enables simple, paperless and convenient banking that allows customers to make bill payments, recharges,
launched BPay app fund transfers and buy insurance.
(September 21, 2017)
It also allows customers to access wallet as well as savings account, with a single login. BPay is an extension of its
already existing wallet in the same name that was launched in December 2016.
Tata Steel and Tata Steel and German steel company ThyssenKrupp signed a MoU to combine their European steel operations in a
ThyssenKrupp signed 50-50 joint venture, in Frankfurt.
MoU (September 20,
2017) The joint enterprise would have its headquarters at Amsterdam, Netherlands.
National Agri-Food An autonomous body of Ministry of Science and Technology, National Agri-Food Biotechnology Institute has signed
Biotechnology Institute MoU with Ludhiana based Bonn Food Industries.
Signs MoU with Bonn
(September 17, 2017) The MoU has been signed to promote coloured wheat with antioxidant qualities beneficial for control of diabetes,
cholesterol and obesity.
CBDT signs MoU with MoU for automatic sharing of data and information on a regular basis.
Corporate Affairs Ministry
(Sep6tember 15, 2017) The MoU will ensure that both MCA and CBDT have seamless PAN-CIN (corporate identity number) and PAN-DIN
(Director Identity Number) linkage for regulatory purposes.
IndusInd Bank partners ADB (Asian Development Bank) signed a deal with IndusInd Bank to provide loans for low income women in rural
with ADB areas, in India.
(September 16, 2017)
Total amount of loan allotted is $200 million. Atleast 95 % of the loan would be allotted to women borrowers. Atleast
70% of the loans will be issued in less developed states of India.
Amazon ties up with Bank Amazon, Indias leading e-commerce venture announced that it has joined hands with Bank of Baroda to offer micro
of Baroda loans to its sellers, in India. The loans would be provided for amounts ranging from ` 1 lakh to ` 25 lakh. Interest rates
(September 16, 2017) would be low around 10.45% 11%.
HSBC in tie-up with HSBC Bank has entered into an agreement with Sa-Dhan to develop ecosystem for the unbanked segment in the
Sa-Dhan country.
(September 15, 2017)
HSBC Bank is providing technology expertise to train and educate micro-finance consumers at grass-root level and
introduce digital banking.
Zomato acquires Runnr Restaurant discovery and food delivery firm Zomato acquired logistics startup Runnr.
(September 14, 2017)
This acquisition would help Zomato compete stronger with its rival Swiggy, a food delivery service provider.
PayU partners with IRCTC Payment gateway provider PayU announced its collaboration with the Indian Railway Catering and Tourism Corporation
(September 11, 2017) (IRCTC), in New Delhi.
This would help users to make a safe and secure transaction through various payment options like internet banking,
debit/credit card and e-wallet.
Bharti Airtel and SK Telecom operator Bharti Airtel has announced a partnership with South Korean telecom operator SK Telecom to build
Telecom the most advanced telecom network in India.
(September 13, 2017)
SK Telecom is Koreas largest telecommunications company with more than 29 million mobile subscribers, which
accounts for around 50% of the total market.

14 Bankin Guru November 2017


Name Related Facts
Bharat Financial Inclusion
with IndusInd Bank
(September 11, 2017)
Infosys acquired Brilliant
Basics
(September 11, 2017)
Mother Dairy ties up with
Maharashtra Government
(September 11, 2017)
Exide Life Insurance
partners with PMC Bank
(September 11, 2017)
Assam govt signs MoU
with Google
(September 9, 2017)
Gujarat government
signed MoU with Google
(September 7, 2017)
Hyperloop Transportation
Technologies (HTT) with
the Andhra Pradesh
Economic Development
Board (APEDB)
(September 7, 2017)
IIM-Lucknow and Yes
Bank (September 5, 2017)
HCL acquires Datawave
(September 7, 2017)
Datawave a business unit of ETL Factory Limited, a UKbased company.
NTPC signed loan NTPC has signed a term loan agreement for Rs 3,000 crore with ICICI Bank for partially funding its capital expenditure.
agreement with ICICI Bank
(August 30, 2017) The loan has a tenure of 15 years and it will be utilised to part finance the capital expenditure of NTPC.
Freyr Energy ties up with
Axis Bank
(August 30, 2017)
NPPA has tied up NADA
(August 30, 2017)
CU RRENT
The board of directors of IndusInd Bank signed an agreement with Bharat Financial Inclusion to analyse a potential
merger between the two companies. The agreement is about discussion of merger between both the companies.
Infosys announced that it has acquired London-based product design firm Brilliant Basics.
Through this acquisition Infosys has extended its digital design services network to Europe and the West Asia.
The MoU is about a lease agreement to set up plant for the processing of milk and milk products.
The MoU states that a dairy development initiative would begin in Vidarbha and Marathwada to provide access to milk
producers to markets in Nagpur and Mumbai.
Exide Life Insurance has announced a partnership with Punjab & Maharashtra Co-operative Bank (PMC Bank) to offer
its protection and savings products to the existing customers.
PMC Bank is a multi-State scheduled urban co-operative bank with 127 branches spread across Maharashtra, Delhi,
Karnataka, Goa, Gujarat, Andhra Pradesh and Madhya Pradesh.
Assam government has signed a MoU with Google India Pvt. Ltd. to increase digital literacy and take Internet
connectivity to the remotest part of the north-eastern state.
Under this MoU the government would work to provide Internet connections to 26,000 villages and 1,500 tea garden
areas in Assam.
The Gujarat government has signed a MoU with Google India for Digital Gujarat movement under Digital India.
Under the MoU Google will train small and medium scale entrepreneurs the use of digital platform for business
development under the Digital Unlocked programme.
The pact has been signed to connect Vijayawada and Amaravati, the new capital of Andhra Pradesh in Guntur district.
The project will use a public-private partnership (PPP) model with funding primarily from private investors.
After conducting the feasibility study, in the second phase of the project, the company will construct and build the first
hyperloop in the country.
Indian Institute of Management Lucknow (IIM-L) and Yes Bank has tied up with the purpose of spreading climatic
awareness. The main aim of the collaboration will be to enhance the Climate Literacy amongst people.
HCL Technologies announced the acquisition of automationdriven data management platform Datawave to
accelerate data integration and migration for their clients.
Solar energy services company Freyr Energy has tied up with Axis Bank. It will offer term loans ranging from ` 5 lakh to
` 50 lakh for tenures up to 5 years, for solar rooftop installations in Telangana and Andhra Pradesh. This loan
programme will help MSMEs significantly to reduce their electricity bills.
Drug pricing regulator NPPA has tied up with National Anti-Doping Agency (NADA). It will help athletes tounderstand
medicines that could contain prohibited substances in sports through its app Pharma Jan Samadhan.
Bankin Guru November 2017 15
 CURRENT REVIEW

NATIONAL GOVT. UNVEILED PPP FOR

CHEAP HOUSING
The Central Government announced a

IMPACT new PPP Policy to improve affordable

housing on September 21, 2017. Under
the existing Housing For All policy,
buyers purchasing a low-end house from a
private developer will be eligible for
financial help.The central government has
announced a new PPP Policy which will
cater to all segments.
There are 8 models in PPP. Out of which,
6 models utilise government lands and
2 models utilise private lands. Eligible
buyers can avail financial assistance of
about ` 2.50 lakh per house as interest
subsidy on bank loans, from the Central
Government.

INTERNATIONAL TEXTILE
AND APPAREL FAIR HELD
VASTRA 2017 International Textile and
Apparel Fair was held at the Jaipur
PRADHAN MANTRI LPG PANCHAYAT LAUNCHED Exhibition & Convention Centre in
Jaipur, Rajasthan on September 21 to 24,
Union Minister of Petroleum and Natural Gas, Mr.Dharmendra Pradhan 2017. This is the 6th edition of VASTRA.
launched the Pradhan Mantri LPG Panchayat in Mota Ishanpur village of VASTRA was started in 2012.
Gujarat on September 23, 2017. Pradhan Mantri LPG Panchayat will focus
on spreading awareness among LPG users about the proper use and benefits The fair was organised by Rajasthan State
of LPG. Industrial Development and Investment
Corporation Ltd. (RIICO) and
This Panchayat will act as an interactive forum for PMUY beneficiaries, co-organised by FICCI. Main focus of the
officials, LPG distributors and NGOs (Non-Governmental Organisations). fair is to create business opportunities.
Under one Panchayat, around 100 LPG customers will be clubbed. The VASTRA 2017, has retail sales apart from
customers can share their experiences with others.The Panchayats will also business forums.
discuss about safety practices, quality of service provided by distributors and
availability of refill cylinders. FUGITIVE ECONOMIC
PT. DEEN DAYAL UPADHAYAY VIGYAN GRAM OFFENDERS BILL, 2017
SANKUL PARIYOJANA LAUNCHED APPROVED
The Minister of Science & Technology, Earth Sciences & Environment, Forest Law Ministry approved the Fugitive
& Climate Change, Dr. Harsh Vardhan launched Pt. Deen Dayal Upadhayay Economic Offenders Bill 2017, in New
Vigyan Gram Sankul Pariyojana in Uttarakhand on September 22, 2017. The Delhi on September 18, 2017. The
main idea of this project is to acquire local resources and skill sets and Fugitive Economic Offenders Bill 2017
transform them using science and technology. So the value addition is would enable the government to seize the
imparted to the local products and services, which would develop the rural property of economic offenders and
community. defaulters who escape from India, through
a new provision.
Four clusters at Gaindikhata, Bazeera, Bhigun (in Garhwal) and Kausani (in
Kumaon) have been selected in Uttarakhand. Around 1 lakh people will be According to the law, a fugitive economic
benefited from this project in four clusters of 60 villages in Uttarakhand. offender, means an individual against
whom an arrest warrant has been issued for
Areas of development in these clusters have been identified as processing and an economic offence and the person has
value addition of milk, honey, mushroom, herbal tea, forest produce, local escaped from the country and refuses to
crops, and traditional craft and handloom of Uttarakhand. Department of return to face criminal prosecution. This
Science and Technology (DST) has allotted ` 6.3 crore fund for 3 years for law would be applicable in cases where the
this project. value of offence is more than ` 100 crores.

16 Bankin Guru November 2017


FIRST PENSION ADALAT
INAUGURATED
Dr Jitendra Singh had inaugurated the first Pension
Adalat on September 20, 2017 in a event in New
Delhi. He will award the Pensioners for their
outstanding contribution towards Anubhav. The event
is being organized by Department of Pension &
Pensioners Welfare, Ministry of Personnel, Public
Grievances and Pensions, Government of India.
Pension Adalat is a platform for retiring employees for
sharing their experience of working with Government.
The ANUBHAV AWARDS 2017 will be presented to
17 pensioners for their contribution towards creating
institutional memory for the departments. With this
App, a superannuating Central Government official will
be able to monitor the progress of his pension
settlement.
SARDAR SAROVAR DAM
DEDICATED TO NATION
Prime Minister Narendra Modi dedicated interstate
multi-purpose Sardar Sarovar Dam (Narmada dam
project) at Kevadia, Gujarat to the nation on occasion of
his 67th birthday on September 17, 2017. Sardar
Sarovar Dam is the highest dam ever built in India and
second biggest concrete gravity dam in world in terms of
volume after Grand Coulee Dam in US.
The dam has length of 1.2 kms and depth of 163
metres. Its height was recently raised to 138.68 metres,
enabling usable water storage of 4.73 million acre feet
(MAF). Four Indian states, Gujarat, Madhya Pradesh,
Maharastra and Rajasthan will receive water and
electricity supplied from the dam. It will irrigate more
than 22,000 hectares of land, mostly from drought
prone areas of Kutch and Saurashtra. The project was
executed by Gujarat governments Sardar Sarovar
Narmada Nigam Ltd (SSNL).
SWACHHTA HI SEWA
CAMPAIGN LAUNCHED
The Union Home Minister Shri Rajnath Singh
launched the Swachhta Hi Sewa campaign of Ministry
of Home Affairs (MHA), at ITBP campus, Tigri in New
Delhi on September 15,2017 and will culminate on
Gandhi Jayanti i.e. October 2, 2017. A Swachhta
pledge was also administered by the Union Home
Minister to the Force personnel on this occasion.
Campaign providing toilet facility at home will ensure
safety and dignity of women. Campaign will help in
improving nutrition and productivity of our children.
The Home Minister along with senior ITBP officers and
jawans participated in cleanliness drive around the unit
campus. A Swachhta demonstration by ITBPs women
personnel was presented. Theme song created and
composed by ITBP personnel on cleanliness was also
presented.
CU RRENT
PRESIDENT
LAUNCHED LILA
MOBILE APP
On the occasion of Hindi
Diwas, on September 14,
2017 President Ram Nath
Kovind has launched a
new 'LILA Mobile App'.
Kovind launched the ' LILA Mobile App' in the presence of
Union Minister of Home Affairs Rajnath Singh and Minister of
State (Home) Hansraj Gangaram Ahir and Ministers of State for
Home Affairs Kiren Rijiju. The app can be downloaded from
Google play store and this is developed to understand Hindi
easily. The app was launched in the ceremony , during which the
President presented Rajbasha awards.
MINISTRY OF RAILWAYS PERMITTED
M-AADHAR
Railway Ministry has decided to permit m-Aadhar as one of the
prescribed proofs of Identity for Rail Travel purpose in any
reserved class on September 13, 2017. Its a mobile application
launched by UIDAI in which a person can download his/her
Aadhar Card. It can be done only on the mobile number to which
Aadhar has been linked. For showing Aadhar, the person has to
open the app and enter his/ her password to show the Aadhar Card.
GOVT LAUNCHED HACKATHON
OPENGOVDATAHACK
The Ministry for Electronics and Information Technology
(MeitY) has launched a nationwide
hackathonOpenGovDataHack on September 12, 2017 to
support and showcase potential ideas and talent from inner India.
The themes of ideas include drinking water and sanitation,
transport, education, health after which it can be evaluated by a
jury and are selected for prizes and support or funding.
The hackathon aims to enable participants develop their ideas
into apps and infographics primarily by the use of open
government data. The National Informatics Centre (NIC) and
the Internet and Mobile Association of India (IAMAI) have
collaborated to conduct the hackathon at Jaipur, Chennai, Noida,
Bhubaneswar, Patna, Hyderabad and Surat.
FSSAI LAUNCHED ONLINE PLATFORM
FOSCORIS
Food Safety and Standards Authority of India (FSSAI) launched
an online platform named FoSCoRIS, in New Delhi on
September 11, 2017. FoSCoRIS is an online web-based platform
where data related to inspection, sampling and test result data
would be shared by all the officials. The purpose of this project is
to be bring transparency in food safety inspection and sampling.
In the initial phase, the FSSAI would bear the cost of rental plans
for first three months to a maximum of ` 500 per month per
connection to first ten states and Union Territories. All the states
are asked to adopt this system. This system requires a hand-held
device with internet connectivity with (Food Safety Officers)
FSOs.
Bankin Guru November 2017 17
 CURRENT
UNION GOVERNMENT
REORGANISES 6 COMMITTEES
OF CABINET
The Union Government has reconstituted six
Committees on September 11, 2017 of the Cabinet
after recent ministry reshuffle. Defence minister
Nirmala sitharaman and Railway minister Piyush
whose portfolios was recently elevated were
inducted in Cabinet Committee on Political affairs.
Nirmala sitharaman, Piyush , Minister for
Petroleum and Natural Gas Dharmendra Pradhan
were also included as permanent members of the
Cabinet Committee on Economic Affairs.
Cabinet Committees are extra constitutional bodies
who are not mentioned in our constitution. Their
establishment is provided in Rules of procedure.
There are two types of cabinet committees, adhoc
(temporary) and permanent. They are set up by
Prime Minister according to the time and
requirements of the situation.
SCHOOL CHALO ABHIYAN SCHEME
Union Human Resource Development Minister Mr.Prakash Javadekar
announced on September 8, 2017 that Government would implement
School Chalo Abhiyan scheme in 2018, in New Delhi. The School
Chalo Abhiyan scheme was announced during a seminar on Literacy
Day. This scheme has been introduced in order to enroll students who
have dropped out from school. The scheme aims to enroll 70 to 80
lakh students around the country. If the scheme succeeds it would
gain India 100 % literacy status.
GOVERNMENT RELEASED NEW RULES FOR
A NO-FLY LIST
The Ministry of Civil Aviation introduced new rules for the formation
of a national No Fly list that bans unruly passengers from travelling
in airplanes on September 8, 2017 in New Delhi. The No Fly list
has been introduced to ensure on-board safety of passengers, cabin
crew and the airlines. The complaint of unruly behavior should be
filed by the pilot-in-command. The complaints will be examined by
an internal committee set up by the airline. The No Fly list
introduced in India is unique and first of its kind in the world.

GOVERNMENT TO LAUNCH
PROJECT INSIGHT
The Union Finance Ministry, has announced on
September 11,2017 that is has planned to launch
Project Insight from October, 2017, in a move to
restrict black money holdings and transactions. The
Government has signed a contract with L&T
Infotech Ltd., regarding Project Insight.The aim
of this project is to observe and check high value
transactions, and track tax evaders with the help of
technology to restrict black money holdings. The
project will use data mining and big data analytics
technologies to find tax evaders from social media
platforms by calculating mismatches between their
spending pattern and income generated.

FINANCIAL RESOLUTION AND

DEPOSIT INSURANCE BILL, 2017
A Joint Parliamentary Committee has been formed
on September 8, 2017 to examine and present a
report on the Financial Resolution and Deposit
Insurance Bill, 2017, in New Delhi. This bill along
with the Insolvency and Bankruptcy Code 2016, is
expected to provide a resolution mechanism for the
GOVERNMENT LAUNCHED DIKSHA PORTAL
Indian economy. Vice President M Venkaiah Naidu has launched national teachers
portal diksha.gov.in on September 5, 2017. DIKSHA Portal is created
The Bill claims to provide :
to provide digital and advance technology to the teachers. The main
n
Resolution to certain categories of financial service
purpose of the Diksha portal is to focus the whole life cycle of the
providers in distress
teacher, from the point they are student teachers till their retirement.
n
Deposit insurance to consumers of certain
categories of financial services Benefits & Features of DIKSHA Portal -
n
Designation of important financial institutions
n
This portal will provide new and modern technologies to the teachers.
n
Establishment of a Resolution Corporation for
n
The teachers can learn free courses online at their home.
protection of consumers of specified service n
Teachers can take the training through this portal in both modes offline
providers for ensuring stability as well as online. It can be accessed on various formats like PCs,
n
Recovery of the financial system mobile phones, tablets etc.

18 Bankin Guru November 2017


APEDA DEVELOPS MOBILE APP
According to the Commerce Ministry, Agricultural and
Processed Food Products Export Development Authority
(APEDA) has developed a mobile app Hortinet on
September 7, 2017 for farmers to facilitate registration, testing
and certification of certain fruits and vegetables.
The app Hortinet is an integrated traceability system
developed by APEDA for providing internet-based services to
the stakeholders. The app will facilitate farm registration,
testing and certification of grape, pomegranate and vegetables
for export from India to the European Union in compliance
with standards.
DEADLINE FOR FILING OF GST
RETURNS EXTENDED
Businesses will have more time to file the final GST returns as
the government has extended the last date on September 6,
2017 for filing of sales and purchase data as well as payment of
taxes for the months of July and August.
With regard to July, Now sales return or (Generation-
Skipping Transfer Tax) GSTR-1, purchase returns or
GSTR-2 and GSTR-3 (which is the match of GSTR-1 and
GSTR-2) has been extended to for July will have to be filed by
10th, 25th, 30th September. With regard to August, the date
for filing GSTR-1, GSTR-2 and GSTR-3 has been extended
to 5th, 10th and 15th October.
Goods and Services Tax (GST) is an indirect tax which was
introduced in India on July 1, 2017 and was applicable
throughout India which replaced multiple cascading taxes
levied by the central and state governments.
The GST is governed by a GST Council and its Chairman is
the Finance Minister of India. Under GST, goods and services
are taxed at the following rates, 0%, 5%, 12%, 18% and
28%. In 2005, the Kelkar committee recommended rolling
out GST as suggested by the 12th Finance Commission.
NITI AAYOG LAUNCHED NATIONAL
NUTRITION STRATEGY
NITI Aayog has launched the National Nutrition Strategy
aimed at Kuposhan Mukt Bharat which linked to Swachh
Bharat and Swasth Bharat. It intends at bringing nutrition to
the centre-stage of the National Development Agenda. It aims
to attain optimal nutritional status by 2022. Leader of the
Green Revolution, Dr. MS Swaminathan and Vice Chairman
of NITI Aayog Dr. Rajiv Kumar launched the Nutrition
Strategy in New Delhi.
CU RRENT
NITI Aayog also known by the acronym the National
Institution for Transforming India, is a Government of
India policy think-tank established by the BJP government
to replace the Planning Commission which followed the
top-down model.
The Union Government of India announced the formation
of NITI Aayog on January 1, 2015, and the first meeting
was held on February 8, 2015. The Prime Minister as the
Chairperson of NITI Aayog.
NARENDRA MODI CABINET
RESHUFFLED
The cabinet got extended and reshuffled for the third time
on September 5, 2017. Modi expanded his council of
ministers twicefirst on November 9, 2014 and then on
July 5, 2016. Nine new Ministers of state were inducted
into the Union Council of Ministers.
Four Ministers of state were elevated to the cabinet rank.
Prime Minister and also in-charge of Ministry of Personnel,
Public Grievances and Pensions; Department of Atomic
Energy; Department of Space; and All important policy
issues; and All other portfolios not allocated to any
Minister.
CBDT SIGNED 4 MORE ADVANCE
PRICING AGREEMENTS
Central Board of Direct Taxes (CBDT) has entered into 4
more Advance Pricing Agreements (APAs) related to sectors
like telecom, banking, manufacturing and education
announced on September 5, 2017. Out of these four
agreements, three are unilateral and one is a bilateral.
The bilateral APA is for international transactions between
an Indian company and a UK-based company. This is the
8th bilateral APA with the United Kingdom and 13th
overall. The other five bilateral APAs are with Japan. The
total number of APAs entered into by the CBDT has
reached 175. This includes 162 unilateral APAs and 13
bilateral APAs.
EMPOWERED STEERING
COMMITTEE (ESC) ESTABLISHED
Ministry of Youth Affairs and Sports has approved the
constitution of an 13 member Empowered Steering
Committee (ESC) on September 1, 2017 on the basis of
the recommendations of the interim report of the
8-member Task Force headed by Abinav Bindra. It will
increase Indias medal prospects in forthcoming Olympic
games including 2020 Tokyo Olympic games.
Review the Annual Calendar for Training and
Competitions (ACTCs) approved by the Government in
consultation with the National Sports Federation (NSF)
concerned and make specific recommendations with respect
to any additional or supplementary requirements.
Recommend specific plans / packages for TOPS (Target
Olympic Podium Scheme) beneficiaries selected by the
TOPS committee.
Bankin Guru November 2017 19
CURRENT

Other Important Events STATE SCENARIO

News Related Facts
Kandla Port in
The Ministry of Shipping has renamed
Gujarat renamed Kandla Port Trust as Deendayal Port
(September 26, Trust with effect from September 25,
2017)
2017.
Kandla Port, located on the Gulf of
Kutch in Gujarat, is one of the twelve
major ports in the country.
Flipkart Flipkart, the online e-commerce sector
introduces has developed Indias first anti-theft
anti-theft packaging to prevent goods from
packaging in-transit theft and damage.
(September 21,
2017) This exclusive pilferage protection box
specially designed for electronic goods
and high-end mobiles.
This pilferage protection packaging box
comes with many protective features to
ensure that customers do not receive
stolen or damaged shipments.
Shirdi Airport The Directorate General of Civil Aviation
licence (DGCA) issued aerodrome licence to
(September 22, Shirdi Airport, in Shirdi, Maharashtra.
2017)
Flight operations would start at Shirdi
Airport from October 1, 2017.
Railways cuts The Railway Board issued a circular that
down sleeping states that passengers can only sleep
hours for between 10 pm and 6 am, cutting down
passengers sleeping time by 1 hour.
(September 22,
2017) This rule is applicable for all passengers
travelling in reserved coaches with
sleeping accommodation.
TRAI cuts Mobile The Telecom Regulatory Authority of
Termination India (TRAI) cut mobile termination
Charges charges (MTC) by 57% to 6 paise per
(September 21, minute with effect from October 1, 2017.
2017)
Mobile Termination Charges (MTC)
would be completely cut by January 1,
2020.
Indias first The Union Minister of State for AYUSH
advanced Mr.Shripad Yesso Naik inaugurated
Homoeopathy Indias first State of art virology
Virology lab laboratory at Dr.Anjali Chatterjee
inaugurated Regional Research Institute for
(September 12, Homoeopathy in Kolkata.
2017)
This is the first laboratory in India for
conducting basic and fundamental
research in Homoeopathy for viral
diseases like influenza, Japanese
encephalitis, dengue, chickunguniya
and swine flu.
Parali I island
A new study claimed that one of the
(September 8, biodiversity-rich uninhabited island of
2017) Lakshadweep Parali I has vanished
due to coastal erosion.
Parali I island of Laskshadweep has
been eroded completely and
vanished.The island was a part of
Bangaram chain of islands, and was
0.032 square km in area in 1968.
Link-4 of SAUNI Mr. Ram Nath Kovind, President of India
Scheme
laid the foundation for Link-4 pipeline
(September 5, canal of SAUNI Scheme at Jasdan in
2017) Rajkot district of Gujarat.
This project aims to fill up 115 dams of
11 districts of Saurashtra by overflowing
water from Sardar Sarovar Dam on
Narmada River by a web of 1126 km
long pipeline network.
E-PRAGATI YEAR OF ANDHRA PRADESH
Andhra Pradesh Chief Minister Mr.N.Chandrababu Naidu declared
2017 as e-pragati year, at Vijayawada on September 21, 2017. The
e-pragati training programme is for government officials to familiarise
and update new technologies. e-Pragati is to be implemented in all
departments in Andhra Pradesh. All the certificates and government
transactions would be made available online.
CM also announced six categories of the AP Green Awards which
will start from this year. Six award categories are - Overall greenery in
local bodies,Individual public parks, Industries, corporates,
institutions (public n private separately), Schools, colleges,
universities n hospitals (public n private separately), Govt office
premises and Home gardens, apartment gardens.
SAMPURNA YOJANA LAUNCHED IN
ODISHA
Odisha Government launched Sampurna (Sishu Abond Matru
Mrityuhara Purna Nirakaran Abhijan) Yojna scheme for pregnant
women, in Odisha on September 24, 2017. Under the Sampurna
Yojana scheme Odisha government will provide ` 1000 as transport
cost for pregnant women to travel to the hospital from inaccessible
areas arranging their own vehicles. This schemes covers villages where
102, 108 ambulances or four-wheeler vehicles cannot reach. The
government has launched this scheme to increase institutional
deliveries in order to reduce Infant Mortality Rate (IMR) and Mother
Mortality Rate (MMR).
BANDHAN TOD APP LAUNCHED IN BIHAR
The Bandhan Tod
app is launched by
Deputy Chief
Minister Sushil
Kumar Modi on
September 18, 2017.
Bandhan Tod is part
of Gender Alliances
strategy to support
the state governments
efforts to end child
marriage and dowry. A mobile app has come up to fight the rampant
social evil of child marriage in the state. The Gender Alliance is an
initiative of the United Nations Population Fund (UNFPA). It will
be available on Google Play store and anyone can register on it with
their details name, age, block, district and mobile number.
Mobikwik, a digital payment gateway, will provide incentive to users
who download it.
SHAHEED GRAM VIKAS YOJANA LAUNCHED
Jharkhand Government launched the Shaheed Gram Vikas Yojana
at Ulihatu Village ,Khunti district of Jharkhand on September 19,
2017. BJP President Amit Shah along with Jharkhand Chief Minister
Raghubar Das launched the initiative. The scheme aims at developing
the villages of freedom fighters in the state . Villages of many tribal
freedom fighters will be developed and their habitants will be
provided basic amenities. 136 pucca houses will be built.

20 Bankin Guru November 2017


WEST BENGAL CABINET
APPROVED CHANGING
STATES NAME
Cabinet ministers in West Bengal cleared a proposal
to name the state Bangla on September 8, 2017. Chief
minister Mamata Banerjee had earlier proposed that
the state be named Bangla in Bengali, Bangal in Hindi
and Bengal in English. But the centre rejected the
proposal.
The state wants to change its name because West
Bengal is always last in a list of states in alphabetical
order. The state will again seek the centres approval
to change its name. In order to avoid the confusion
the government decided to send another proposal to
change it to only Bangla in all three languages
including Hindi, English and Bengali.
CU RRENT
KSHEERA BHAGYA SCHEME
ANNOUNCED
Amazon has announced a partnership with the Akshaya Patra
Foundation on August 30, 2017 to implement the Karnataka
governments Ksheera Bhagya Scheme in Bengaluru. Under this
scheme schoolchildren would be provided a glass of milk each five
days a week.
The partnership aims to reach out to 170,000 children across 1,300
government schools in the state. The scheme is developed by
Karnataka Milk Federation on Chief Ministers (Siddaramaiah) to
help poor children by providing them nutritious food essential for
healthy growth and all-round development of schoolchildren.
The Ksheera Bhagya Scheme was launched by the government in
2013 to provide nutrition through milk to students of government
schools and anganwadis across the state. Children studying in
classes 1 to 10 and those in anganwadis are the benefeciaries.

NEW PROGRAMME JALA SIRIKI WEST BENGALS GOBINDOBHOG RICE

HAARATI IN ANDHRA
Andhra Pradesh Chief Minister N. Chandrababu
Naidu has announced a new programme named Jala
Siriki Haarati on September 6, 2017. It is a
programme offering prayers to water bodies and to
create awareness among the public regarding water
preservation.
The programme is aimed at praying at all kinds of
water bodies like rivers, streams, lakes, ponds,
irrigation projects, water reservoirs, check dams etc.
GOT GI STATUS
The Geographical Indications Registry (GIR) has granted
geographical indication (GI) status to Gobindobhog rice on
August 30, 2017, a speciality from Burdwan district of West
Bengal. The state has applied for GI status in the year 2015.
Gobindobhog rice is a short grain, white, aromatic, sticky rice
having a sweet buttery flavour. Burdwan region is called the rice
bowl of Bengal. GI tag is given for products that have a specific
geographical origin and possess qualities or a reputation that are due
to that origin.

Other Important Events

News
Indias first
transgender-exclusive clinics
(September 13, 2017)
Assam govt sets up DBT cell
(September 7, 2017)
Gujarat govt launches
Gyankunj Project
(September 5, 2017)
Lucknow Metro
(September 5, 2017)
Free education to all girls till
graduation
(September 3, 2017)
Yalla Kerala launched to
attract Arab travelers
(September 1, 2017)
Interview in Government jobs
closed in UP
(August 30, 2017)
Related Facts
Keralas Health minister K.K. Shylaja announced that kerla is planning to open Indias first transgender-exclusive
clinics at government medical colleges across the state.
The first clinic will be set up at the government medical college of Kottayam within the next two months and will be
one of the two clinics to provide the sex-change surgery.
In Assam, the state govt. has set up a Direct Benefit Transfer (DBT) Cell for implementation of DBT across
schemes in the Country.
It will closely monitor & evaluate the progress of various Departments on DBT related indicators.
Gujarat CM Vijay Rupani has launched Gyakunj e-class project from Shahpur primary school in Gandhinagar.
Under this initiative, interactive e-class will be launched with smart board.
The objective of the project is to produce world-class students.
Uttar Pradesh Chief Minister Yogi Adityanath and Union Home Minister Rajnath Singhflaged off the first run of the
Lucknow Metro from the Transport Nagar Metro Station in Lucknow.
The 8.5-km-long Priority Corridor from Transport Nagar to Charbagh, which is part of the Phase-1 of the project,
will be operational for the public from 6 am to 10 pm everyday.
The Karnataka govt has decided to make education free for all girls from Class 1 to graduation level in all public
and aided private schools and colleges from the next academic year.
The main objective is to provide free education to underprivileged girls who generally drop out of school after
Class 10, especially in rural areas.
The Kerala Tourism department has launched a campaign called Yalla Kerala (Yalla means lets go).
It has been launched to target tourists from Saudi Arabia, Oman, the United Arab Emirates, Kuwait, Bahrain and
Qatar.
The Uttar Pradesh cabinet has decided to close the process of holding interview for selection of candidates for the
government jobs in all the non-gazetted posts of Group B, C and D categories .
The decision was taken in a cabinet meeting chaired by Chief Minister Yogi Adityanath.

Bankin Guru November 2017 21

 CURRENT REVIEW

In India According to a new study,

AROUND revealing the world's most and least

stressed cities- top Indian Metro cities like
Delhi, Mumbai, Kolkata and Bangalore

THE WORLD are among the most stressed cities in the

world. Out of the 150 cities, Bengaluru
stands at 130, Kolkata at 131 and
Mumbai at 138 and Delhi is ranked 142.

QUALITY NATIONALITY
INDEX 2017
Germany, for the sixth year in a row,
topped the Quality of Nationality Index,
with a score of 82.7%. The second spot was
bagged by Denmark and France with
82.4% and Iceland ranked fourth with a
score of 81.3%. Conducted by law
professor Dimitry Kochenov on September
14, 2017, the study was published by
UK-based international immigration
consultants Henley & Partners.
Internal factors

10% 15%
Peace & Weight of
Stability travel
GLOBAL ENERGY COMPANY RANKINGS 2017 15%
freedom

Economic
The Platts Top 250 Global Energy Company Rankings is published by S&P strength 15%
Diversity of
Global Platts annually.The companies are ranked based on financial QNI General travel
performance depending on four important factors namely asset worth, Ranking freedom
15%
revenues, profits, and return on invested capital. First rank was secured by Human
development 15%
Russian gas firm Gazrpom. Second rank was bagged by German utility EON. Weight of
settlement
Third rank was obtained by Indian energy producer, Reliance Industries Ltd 15%
freedom
Diversity of
(RIL). RIL has the worlds biggest refinery complex. Other Indian firms in the settlement
freedom External factors
top of the list are Indian Oil Corporation (IOC) in 7th position and Oil and
Natural Gas Corporation (ONGC) in 11th position.
The index objectively measures both the
7TH ASEM ECONOMIC MINISTERS MEETING internal value of nationality the quality
the 7th ASEM (AsiaEurope Meeting) Economic Ministers Meeting was held of life and opportunities for personal
in Seoul, South Korea on September 21 to 22, 2017. Theme for this years growth within a nationalitys country of
meeting was Innovative Partnership for Inclusive Prosperity. The meeting was origin and the external value of
conducted under the Chairmanship of the Ministry of Trade, Industry and nationality. The global mean in 2016 was
Energy of the Republic of Korea. Economic leaders from 30 European and 21 39.32%, with Afghanistan at the last spot
Asian countries participated in the meet. 51 member countries signed a Joint of the index with a score of 14.6 per cent.
Statement on Supporting the Multilateral Trade System. Commerce Minister GLOBAL HUMAN CAPITAL
Mr.Suresh Prabhu represented India.
INDEX
WORLD'S LEAST STRESSED CITIES REVEALED India has been ranked 103 on Global
A new study has revealed on September 14, 2017, the world's most and least Human Capital Index released by World
stressful cities of 2017, based on factors including traffic levels, public transport, Economic Forum (WEF) on September
percentage of green spaces, financial status of citizens including debt levels, 14, 2017. India has scored the least among
physical and mental health, and the hours of sunlight the city gets per year. the BRICS countries. The Global Human
Stuttgart, Germany , a city of roughly 625,000 people in the countrys Capital Index is prepared by WEF (World
southwest region that won ZipJets No. 1 ranking for the least stressful global Economic Forum) for 130 countries based
destination. Luxembourg (no. 2); Hannover, Germany (no. 3); Bern, on the knowledge and skills people possess
Switzerland (no. 4); and Munich, Germany (no. 5), rounded out the remaining that would find value in the global
five spots. The most stressed city in the world is Baghdad. economic system.

22 Bankin Guru November 2017


The rankings are based on four criteria capacity,
deployment, development, and know-how. The rankings
are classified under five age groups namely 0-14 years,
15-24 years, 25-54 years, 55-64 years, and 65 years and
above. In the overall ranking, India is in rank 103, which
is the least among BRICS countries. Ranks obtained by
India in the four categories are as follows- Capacity (
101), Deployment (118), Development ( 65) and Know
how (79). India has bagged the last rank in the world, in
employment gender gap. Top three rankers Norway ,
Finland and Switzerland.
2ND STRATEGIC PARTNERSHIP
COUNCIL MEETING 2017 HELD
The second Strategic Partnership Council meeting
between two nations was held at New Delhi on
September 11, 2017. As a part of the meeting, external
affairs minister Sushma Swaraj and her Afghan
counterpart Salahuddin Rabbani held talks on wide-
ranging topics . During the meeting, both countries
exchanged four pacts in areas of health, transport (motor
vehicles agreement), space and new development
partnership.
The Strategic Partnership Council discussed a range of
bilateral, regional and global issues of mutual interest and
shared understanding and convergence of views on them.
Highlights of the meeting :
n
India and agreed Afghanistan to fight against terrorism,
organized crime, trafficking of narcotics and money
laundering.
n
The two sides welcomed the establishment of the Air
Cargo Corridor between Kabul and Kandahar with New
Delhi in June 2017.
n
Both sides agreed to take up 116 High Impact Community
Development Projects to be implemented in 31 provinces
of Afghanistan.
n
Establishment of ANASTU (Afghan National Agricultural
Sciences and Technology University) in Kandahar was
agreed to explore further cooperation in strengthening of
ANASTU as an agricultural university.
5TH EAS ECONOMIC MINISTERS
MEETING HELD
Fifth East Asia Summit (EAS) Economic Ministers
Meeting was held in Pasay City, Philippines on
September 9, 2017. Mr. Ramon M. Lopez, Secretary of
Trade and Industry of Philippines, chaired the meeting.
Minister of Commerce & Industry of India, Suresh
Prabhakar Prabhu represented India in the Meeting.
Participants of EAS Economic Ministers Meeting are
Economic Ministers from all ASEAN (Association of
Southeast Asian Nations) Member States (AMS),
Australia, China, India, Japan, Republic of Korea, New
Zealand, the Russian Federation and the United States.
The Ministers supported the strong trade and investment
relations among the EAS countries. Global economic
growth is predicted to increase to 3.5 % in 2017.
CU RRENT
EASTERN ECONOMIC FORUM
2017 HELD
External Affairs Minister
Ms.Sushma Swaraj
arrived at Vladivostok, in
Russia on a three day visit
. She attended the 3rd
Eastern Economic Forum
from 6th 8th
September 2017. The
Eastern Economic Forum
is considered as the
biggest international communication platform for co
operation between businesses leaders and senior government
representatives from Russia, the Pacific Region and the
Association of Southeast Asian Nations (ASEAN).
Ms. Sushma Swaraj visited Russia at the invitation of Deputy
Prime Minister and Presidential Plenipotentiary Envoy to the
Far Eastern Federal District Mr.Yury Trutnev. Delegates from
24 countries including the US, Japan, China, Australia, Canada,
Britain and Germany attended the forum. In the forum,
important issues related to global trade were discussed.
CHINA BANNED RAISING FUNDS
THROUGH CYRPTOCURRENCIES
China has banned individuals and organizations from raising
funds through initial coin offerings (ICO), or launch of digital
currencies announced on September 4, 2017. After the
announcement the prices of bitcoin and ethereum, two of the
largest cryptocurrencies fell sharply.
A cryptocurrency is a digital asset designed to work as a medium
of exchange using cryptography to secure the transactions and
to control the creation of additional units of the currency.
Bitcoin became the first decentralized cryptocurrency in 2009.
Since then, numerous cryptocurrencies have been created.
SCIMAGO INSTITUTIONS RANKING
WORLD REPORT 2017.
India's largest autonomous public research and development
organisation Council of Scientific and Industrial Research
(CSIR) has been ranked 9th in the world. The institute has
been ranked ninth amongst a total of 1207 government
institutions, according to the Scimago Institutions ranking
World Report 2017. Top three institution in this report is
n
Chinese Academy of Sciences.
n
Centre National de la Recherche Scientifique, France.
n
Helmholtz Gemeinschaft and Max Planck Gesellschaft in
Germany.
The ranking is based on a composite indicator that combines
research performance, innovation outputs and societal impact
measured by their web visibility, so as to reflect scientific,
economic and social characteristics of institutions. CSIR It is
the only Indian organisation which has found place amongst the
Top 100 Global Institutions. In overall global ranking, CSIR
stands at 75th position amongst 5250 institutions world-wide.
Bankin Guru November 2017 23
CURRENT
Other Important Events
News Related Facts
Most powerful The two Indian women have features on
women in Fortunes list of most powerful women in
International business outside the US announced.
Business
(September 26, MD and CEO of ICICI Bank Chanda
2017) Kochhar was ranked 5th and MD and CEO
of Axis Bank Sikha Sharma was ranked at
21st position.
Fly Now Pay Later Etihad Airways has launched a Fly Now and
scheme Pay Later scheme, in Abu Dhabi.
(September 24,
2017) This scheme provides an option for paying
the ticket fare in monthly instalments.
The instalments can be paid within 3 to 60
months, through 17 participating banks.
Govt launched Union minister Anupriya Patel has launched
campaign to a nationwide health campaign to sensitise
sensitise women women about the early screening and the
(September 21, preventive care for cancer.
2017)
The theme of the campaign is Nurturing the
Nurturer and the campaign was launched
by FICCI Ladies Organisation (FLO) in
partnership with the Apollo Hospitals group.
Worlds fastest China has launched worlds fastest bullet
bullet train train on the Beijing-Shanghai high-speed
(September 21, railway line to 350 kilometres per hour.
2017)
The train called Fuxing, or rejuvenation in
Chinese, offers features such as power
outlets, USB ports, and free WiFi.
Anti-dumping duty The Finance Ministry imposed anti-dumping
on import
(September 19,
duty on Chinese tyres used in buses and
trucks.
2017)
The anti-dumping duty has been imposed
on new or unused pneumatic radial tyres
with or without tube, having rim diameter
above 16 inches.
This anti-dumping duty will be valid for a
period of five years.
World record by A British cyclist has broken the world record
cycling for cycling around the world in 79 days 44
(September 19, days shorter than the previous record.
2017)
Mark Beaumont arrived at the Arc de
Triomphe in Paris one day ahead of
schedule after cycling 18,000 miles and an
average of 240 miles per day.
Worlds largest China has issued a commemorative stamp
radio telescope in honour of the worlds largest radio
(September 18, telescope located in Guizhou province .
2017)
The total investment is of 1.2 billion yuan
and the telescope is single-dish with a
diametre of half a kilometre.
Postage stamps
Japanese postal department released
on Indian Yoga postage stamps on Yoga Expert Mr.Bishnu
experts Charan Ghosh and his family members, in
(September 18, Kolkata.
2017)
Japan has released postage stamps on
Indian Yoga experts Mr.Bishnu Charan
Ghosh, his son Mr.Biswanath Ghosh,
daughter Ms. Karuna Ghosh and Karunas
father in law Mr.Asutosh Ghosh.
Worlds longest
Hurricane Irma has become the first storm in
storm (September the world to sustain winds of 185 miles per
11, 2017) hour for more than 24 hours.
The hurricane, which has already
devastated several islands in the Caribbean,
is headed toward south Florida, where the
National Hurricane Center has issued
evacuation orders.
24 Bankin Guru November 2017
News Related Facts
Pakistan PM The fifth nuclear C-4 plant is located at Chashma in
inaugurates fifth Mianwali district of the Punjab province.
nuclear power
plant (September Pakistans Prime Minister Shahid Khaqan Abbasi
inaugurated the China-backed 340 MegaWatt (MW)
11, 2017)
nuclear power plant.
Pakistans Habib The Department of Financial Services has fined USD
Bank fined 225 million to Pakistans Habib Bank and its New York
(September 8, branch announced .
2017)
The bank has failed to comply with laws and
regulations designed to combat money laundering,
terrorist financing, and other illicit financial
transactions.
Habib Bank, Pakistans largest private lender, has
been ordered by the US banking regulators to shut
down its New York office after nearly 40 years of
operation.
India-Tanzania The Fourth Session of the India-Tanzania Joint Trade
Joint Trade Committee meeting was held in New Delhi.
Committee
(August 30, 2017) The potential areas for Tanzania in India include Light
oils and petroleum or bituminous minerals, motor cars
and vehicles, medicaments etc Similarly, Metals and
Minerals, dried cashew nuts in shells from Tanzania
are required in India.
Hurricane Harvey Harvey is one of the most destructive storms in US
strikes USA history thrashed Texas for the consecutive fifth day.
(July 5, 2017)
The National Weather Service reported that Houston
has already received more than 42 inches of rain due
to Harvey.
INDIA & WORLD
WORLD NUCLEAR INDUSTRY STATUS
REPORT 2017
India has been ranked third in the world with respect to number
of nuclear reactors being installed, by the World Nuclear
Industry Status Report 2017, which was released in September
2017. China is in the 20th position. There were 68 reactors in
2013 throughout the world. Now, it is 53 in 2017.
In India five out of the six nuclear reactors under construction are
behind schedule. Eight nuclear power projects have been under
construction throughout the world for more than 10 years. Out
of which, three have been under construction for more than 30
years. Russia and the US shut down their reactors in 2016.
Sweden and South Korea closed their old nuclear reactor units
in 2017.
13TH INTER-GOVERNMENTAL
COMMISSION MEETING
The Union Minister for Petroleum and Natural Gas and Skill
Development and Entrepreneurship, Dharmendra Pradhan, is set
to visit Astana (Kazakhstan) from September 19 to 20, 2017,
where he will co-chair the 13th Meeting of Inter-Governmental
Commission (IGC). Kanat Bozumbayev, the Minister of Energy
of Kazakhstan, will co-chair the meeting from the Kazakh side.
During his visit, Pradhan is scheduled to discuss various issues
and ideas for stepping up the cooperation in sectors including the
energy, trade, economic, investment, transport and connectivity,
agriculture, information technology, space, healthcare and
cultural spheres between the two countries with his counterpart.
 CU RRENT
OPERATION INSANIYAT n
Cooperation in the field of culture for 2018-2020
MoU between M/o Petroleum & Natural Gas of the Republic of
FOR ROHINGYAS
n

India and Belarusian State Concern of Oil and Chemistry in the

The Ministry of External Affairs has started Operation Oil and Gas Sector
Insaniyat to provided assistance to Bangladesh in response n
MoU between JSC Belarusian Potash Company (BPC) and
to humanitarian crisis being faced by it due to large influx Indian Potash Ltd (IPL)
of Rohingya refugees from Myanmar. Rohingya are stateless
ethnic minority (mostly Muslim) from Rakhine province of AGREEMENT BETWEEN INDIA AND
Buddhist- majority Myanmar, who are forced leave their MYANMAR
country due to communal violence and repeated military
operations. India and Myanmar
signed 11 agreements in
Under this operation, India will provide relief material a range of sectors to
consisting of items including rice, sugar, salt, pulses, further strengthen their
cooking oil, biscuits and mosquito nets to the affected multifaceted partnership
people. The relief material will be delivered in multiple on September 6, 2017.
consignments. The first tranche will be brought to The MoUs were signed
Chittagong by an Indian Air Force (IAF) plane. According after Prime Minister
to UN estimates, over 379,000 Rohingya Muslims have Narendra Modi held
fled Myanmars Rakhine state into Bangladesh since wide-ranging talks with
August 2017. Myanmars State Counsellor Aung San Suu Kyi.
AGREEMENT SIGNED BETWEEN Agreements Signed
INDIA & SRI LANKA n
Between the Election Commission of India and Union Election
India and Sri Lanka signed a MoU to upgrade Thondaman of Myanmar.
Vocational Training Centre in Sri Lanka on September n
Cooperation between Myanmar Press Council and the Press
21,2017. Council of India.
MoU to upgrade Thondaman Vocational Training Centre :
n
Cultural exchange programme for the years 2017 to 2020.
n
The MoU was signed by Taranjit Singh Sandhu, High
n
Two MoUs were signed on establishment of the India-Myanmar
Commissioner of India in Sri Lanka and Mrs. R. Centre for Enhancement of IT Skill and the Myanmar Institute of
Nadarasapillai, Secretary, Ministry of Hill Country New Information Technology (MIIT).
Villages, Infrastructure and Community Development. n
Two other MoUs were signed on medical products regulation
n
The Thondaman Vocational Training Centre (TVTC), is and in the field of health and medicine.
located in Nuwara Eliya district of Sri Lanka. n
Enhancing cooperation for upgrade of the Womens Police
n
Government of India would provide LKR 199 million to Training Centre at Yamethin, Myanmar.
upgrade the training facility. n
The two sides also signed an agreement for sharing white
n
The upgradation includes construction of new infrastructure shipping information to improve data sharing on non-classified
facilities like class rooms, IT lab, auditorium, compound merchant navy ships or cargo ships.
walls and renovation of old buildings. n
Maritime Security Cooperation was also signed.
n
Also machinery, equipment and tools for new courses, n
A Technical Agreement was signed between both the sides for
furniture and vehicles would be provided. providing Coastal Surveillance System.
n
Around 500 candidates would be trained every year.
UJALA SCHEME LAUNCHED
AGREEMENT BETWEEN INDIA IN MALAYSIA
AND BELARUS Energy Efficiency Services Limited (EESL), under Ministry of
Prime Minister Narendra Modi and Belarus President A.G. Power, Government of India has launched UJALA (Unnat
Lukashenko signed 10 pacts to expand cooperation in wide Jyoti by Affordable Lighting for All) Scheme on September 6,
range of areas and decided for a joint collaboration in 2017 in the State of Melaka, Malaysia. UJALAs impact in
manufacturing and in defence sector under the Make in Malaysia will bring about clean energy, contribute to climate
India programme on September 12, 2017. change targets and save the already dwindling energy
n
MoU between the Ministry of Youth Affairs and Sports of the resources.
Republic of India and the Ministry of Education of the Under this scheme, each household in Melaka will get 10 high
Republic of Belarus. quality 9-watt LED bulbs at a cost of only RM 10, which is
n
MoU in the Field of Vocational Education and Training almost half of what in being offered in the market. This
n
Agreement on Scientific and Technical Cooperation between scheme has been launched with an aim to reduce the annual
Indian National Science Academy (INSA) and the National household electricity bills by approximately 10.22 million RM
Academy of Sciences of Belarus every year.
n
MoU for Cooperation in Agricultural Research and Education

Bankin Guru November 2017 25

 CURRENT
BRICS SUMMIT 2017
The 9th edition of the BRICS Summit held on September
3 to 5, 2017 in Xiamen, China was centered around the
theme of Stronger Partnership for a Brighter Future.
Prime Minister Narendra Modi arrived in China on
September 3, 2017 to attend the meet, along with leaders
of Brazil, Russia, China and South Africa. China has
hosted the summit 2 nd time after the 2011 summit.
BRICS (Brazil, Russia, India, China and South Afric)
leaders strongly condemned and named in a declaration,
for the first time, Pakistan-based terror groups like
Lashkar-e-Taiba, Jaish-e-Mohammed and the Haqqani
network.
Documents signed in the presence of BRICS Leaders during
BRICS Summit-
1. BRICS Action Agenda on Economic and Trade
Cooperation
2. BRICS Action Plan for Innovation
Cooperation(2017-2020)
3. Strategic Framework of BRICS Customs Cooperation
4. Memorandum of Understanding between the BRICS
Business Council and the New Development Bank on
Strategic Cooperation
The leaders of India and China meet in this summit for
the first time after the Doklam crisis. In 2009, the first
BRIC Summit was held in Yekaterinburg, Russia.
26 Bankin Guru November 2017
INDIAN OCEAN CONFERENCE
The Indian Ocean Conference 2017 (IOC 2017) organised by
India Foundation with its partners in Colombo on August 31
to September 2, 2017. Theme of the conference was peace,
progress and prosperity. It saw participation from around 35
countries including USA, Australia, India, Sri Lanka,
Bangladesh, Germany, Kenya, South Korea and Afghanistan.
External Affairs Minister Sushma Swaraj visited to the nation to
attend two-day Indian Ocean Conference. The Indian Ocean is
the worlds third largest body of water, covering about one fifth
of the world's total ocean area.
JOINT PROPOSAL BY
INDIA & CHINA IN WTO
India and China jointly submitted a proposal on August 31,
2017 to the WTO calling for the elimination of farm subsidies
by developed countries. In WTO context, this trade distorting
farm subsidies is called Aggregate Measurement of Support
(AMS) or Amber Box. It is a prerequisite for consideration of
other reforms in domestic support negotiations.
Under the AMS regime of WTO, farm subsidies provided by
developed countries are over 50% and in some cases more than
100% of value of production concerned, while developing
countries are forced to limit it within 10% of the value of
production. It is resulting in a major asymmetry in the rules on
global agricultural trade. Developed countries like US, EU,
Japan, Canada, Switzerland, and Norway continue to distort
global farm trade by safeguarding their exclusive entitlements
on AMS which they had secured in previous Uruguay Round of
trade negotiations.
Amber Box The subsidies that distort the international trade
by making products of a particular country cheaper as
compared to same or similar product from another country is
slotted under this box.
AGREEMENT BETWEEN INDIAN
RAILWAYS AND SWITZERLAND
The Ministry of Railways has signed two MoUs with
Switzerland on August 31, 2017. It has been signed between
Ministry of Railways and Swiss Confederation. The first MoU
is between Ministry of Railways and Federal Department of the
Environment, Transport and Communications of the Swiss
Confederation for technical cooperation in Rail Sector. The
MoU aims at cooperation in the areas of : Traction Rolling
stock, Freight and Passenger Cars, EMU and Train sets,
Traction Propulsion Equipments, Railway Electrification
Equipments, Railway Station modernization, Tilting Trains
and Train scheduling and operation improvement, Multimodal
transport and Tunneling technology.
The second MoU is between Konkan Railway Corporation
Limited (KRCL) and Swiss Federal Institute of Technology
(ETH) Zurich. It will help Konkan Railway in establishing the
George Fernandes Institute of Tunnel Technology (GFITT) at
Goa especially for grasping and distribution of knowledge in
the field of tunneling. GFITT aims to generate qualified and
trained personnel for the benefit of other government
organisations, private sector and even foreign organisations.
 CURRENT REVIEW
SCIENCE AND
TECHNOLOGY
BUZZ
RELIANCE ENERGY LAUNCHED
ROBOT-ELEKTRA
Reliance Energy announced the launch of ELEKTRA on September 11,
2017, a digital assistant bot powered by artificial intelligence, to provide
automated machine responses to customer complaints, requests and
enquiries. When a customer logs onto Reliance Energy site of Facebook
page, ELEKTRA will appear and provide menu-driven chat services.
These include bills payment options via UPI and other online modes,
register 'no supply complaint' and check restoration status, and
information about online services like new connections, change of name,
load change, etc. During peak hours, consumers will get an immediate
response to their queries from ELEKTRA without any waiting time.
ELEKTRA at present is already serving 500 customers daily with 3,000
interactions and will be soon upgraded to deliver customised
conversational chat responses.
MOVIDIUS MYRIAD X PROCESSING
UNIT UNVEILED
Intel has introduced a new vision processing unit (VPU) called Movidius
Myriad X on September 3, 2017. The new Intel VPU? is aimed at
providing end-to-end artificial intelligence (AI) solutions to a wide range
of product categories such as smart cameras, virtual reality (VR) devices,
robotics and even drones. Myriad X is the worlds first system-on-chip
(SOC) shipping with a dedicated neural compute engine for accelerating
deep learning inferences at the edge.
Bankin Guru November 2017 27
DEFENCE & SECURITY
NEW INTERCEPTOR BOAT
V-409 LAUNCHED
A new interceptor boat (V-409) which is built
by Bharathi Defence and Infrastructure Limited
(BDIL) was launched at a function held at the
Mangaluru Coast Guard yard on September
24, 2017. The 28-metre long, V-409
interceptor boat has aluminium hull and fitted
with new generation of Arneson Surface Drive
(ASD) which is drive by two powerful diesel
engines of 1650 KW each. The vessel has the
capability of attaining very high speed in a very
short duration and can operate in shallow
waters.
1ST SCORPENE-CLASS
SUBMARINE INS KALVARI
Mazagon Dock Ltd delivered INS Kalvari, the
first scorpene-class submarine to Indian Navy,
in Mumbai on September 21, 2017. INS
Kalvari, is the first of the six Scorpene-class
submarines.This was handed over to Indian
Navy by Mazagon Dock Ltd. This would be
commissioned soon. Kalvari is the name of a
Tiger Shark found in the Indian Ocean. The
2nd Scorpene submarine, Khanderi, was
launched in January 2017. The 3rd Scorpene
submarine, Karanj, would be launched by the
end of 2017.
INTELLIGENCE WING OF
SASHASTRA SEEMA BAL AND
WARB APP LAUNCHED
Union Home Minister Rajnath Singh has
launched first Intelligence Wing of Sashastra
Seema Bal (SSB) and Welfare And
Rehabilitation Board (WARB) App in New
Delhi authorized to Protect the shared borders
of India with Nepal and Bhutan. It has been
confirmed as the Lead Intelligence Agency
(LIA) for both the Indo-Nepal and
Indo-Bhutan borders.
Welfare and Rehabilitation Board (WARB)
App implements to facilitate retired CAPFs
(Central Armed Police Forces) and Assam
Rifles personnel to get their grievances
redressed, then can look for skill development
training through National Skill Development
Corporation under Pradhan Mantri Kaushal
Vikas Yojna, re-employment and other relevant
important information.
CURRENT
YUDH ABHYAS 2017 HELD
The Indian and U.S. armies started the 13th edition of their
Yudh Abhyas series of joint military exercises on September
14, 2017. The exercise continued till September 27, 2017.
The exercise will focus on the counter-terrorism, counter-
insurgency actions and strategic consultations between senior
armed forces officers on both sides. Yudh Abhyas 2016 was held
in India, in the Chaubatia foothills in Uttarakhand. The first
version of Yudh Abhyas was carried out in 2004.
ASTRA MISSILE'S FINAL DEVELOPMENT
FLIGHT TRIALS SUCCESSFUL
The final development flight trials of Astra, the Beyond Visual
Range Air to Air Missile (BVRAAM), were successfully
conducted over the Bay of Bengal, off the Odisha Coast at
Chandipur on September 14, 2017. The trials were carried out
during September 11 to 14, 2017 a DRDO source informed,
adding that a total of seven trials were conducted against
Pilotless Target Aircraft (PTA) successfully.
The Astra is an active radar homing beyond-visual-range
air-to-air missile (BVRAAM) developed by the Defence
Research and Development Organisation (DRDO), India. Astra
is designed to be capable of engaging targets at varying range
and altitudes allowing for engagement of both short-range
targets (up to 20 km) and long-range targets (up to 80110 km)
using alternative propulsion modes.
DEFENCE MINISTER FLAGGED OFF
INSV TARINI
The Defense minister
flagged off the first women
expedition by the Indian
Navy, Navika Sagar
Parikrama, at a ceremony
at the INS Mandovi naval
training base, Panaji Goa
on September 10, 2017.
The six-member women crew circumnavigated the globe on an
India-built sail boat, INSV Tarini, which is being captained by
Lt Commander Vartika Joshi. The circumnavigation is to be
covered in about 165 days at sea.
DRDO SUCCESSFULLY FLIGHT TESTED
ANTI TANK GUIDED MISSILE
The Defence Research and Development Organisation
(DRDO) has successfully flight tested Indias indigenously
developed third generation Anti Tank Guided Missile (ATGM)
Nag in a desert in the western sector of Rajasthan on
September 9, 2017. According to the reports, ATGM Nag
successfully hit both targets under different ranges and
conditions with very high accuracy as desired by the armed
forces. Nag has been successfully flight tested twice by the
DRDO against two different targets and the missile can hit a
target up to 7 km. The DRDO is an agency of the Republic of
India, charged with the militarys research and development,
headquartered in New Delhi, India.
28 Bankin Guru November 2017
NAVAL EXERCISE SLINEX
2017 HELD
The seventh edition of India-Sri Lanka joint maritime
naval exercise SLINEX 2017 held near Vishakhapatnam
district of Andhra Pradesh in India on the Bay of Bengal
from September 7 to 14, 2017. SLINEX Sri Lanka
India Naval Exercise are a series of naval exercises between
the Indian Navy and the Sri Lankan Navy. SLINEX 2017
focuses on fleet work, seamanship, communication,
replenishment at sea, Visit Board Search and Seize
(VBSS) operations and helicopter operations. SLINEX
series of biennial bilateral maritime exercises between
India and Sri Lanka, started in 2005.
INDIA HANDED OVER OPV VARUNA
TO SRI LANKA
India handed over an off-shore patrol vessel Varuna on
September to Sri Lanka as a part of stepping up
co-operation between the two coast guards. The ship
(Varuna) was decommissionedwith traditional honours
on August 23 to facilitate the handing over at Kochi. The
ship has been allocated pennant number SLCG-60 by Sri
Lanka Coast Guard and will be commanded by Captain
Neville Amara Ubayasiri. India has earlier handed over
two OPVs of the Indian Coast Guard,Varaha in April
2006 and Vigraha in August 2008.
NEW SCHEME FOR DISABLED
ARMY PERSONNEL
The government has notified a new set of rules for
disability pensions for the armed forces in New Delhi on
September 5, 2017. The government has accepted the
recommendations of National Anomaly Committee
(NAC) that disability pension to the defence forces will be
granted as per regulations under the 6th Central Pay
Commission (CPC) should be maintained.
The rules governed by the 6th Central Pay Commission
(6th CPC) instituted in 2006, stated that disability
pensions arising from battle injuries, or disabilities
attributable to military service, should be calculated on a
percentage basis, related to the last pay drawn. Under
the 7th CPC scheme, disability pensions will be
calculated according to a slab system that made the
disability pension drawn by civilians greater than the one
drawn by their military counterparts.
INDIA-NEPAL ARMY
EXERCISE HELD
Nepal India Joint Military Exercise Surya Kiran has
launched and it was held from September 3 to 16, 2017.
This is the 12th edition of the exercise. The aim of this
exercise is to conduct battalion level joint training with
emphasis on Counter Terrorism in mountainous terrain.
Surya Kiran series of exercises are held alternately in India
and Nepal. Surya Kiran held at Nepal Army Battle School
at Saljhandi, and have around 350 troops from each side.

INDIA GETS ITS FIRST
INDIGENOUS SNIPER RIFLE
Indias first indigenous sniper rifle was launched on
September 1, 2017 at the rifle factory in West
Bengal. Its total cost is ` 2.5 lakh and weighing 6.7
Kg. The rifle has a shooting range of 800 meters.
The research and development for the sniper was
done at Ishapore itself for over a year or so. According
to an Ishapore official it even won a gold medal in a
shooting competition. The factory has received orders
from the CRPF and police forces of Haryana and
Rajasthan.
GOVT APPROVED FIRST PHASE
OF ARMY REFORMS
The Centre has approved major reforms for the
Indian Army on August 31, 2017 as per the
recommendations of the Shekatkar Committee. The
reforms are aimed at increasing the combat
capabilities and re-balancing defense expenditure.
Posts of 57000 officers and soldiers will be
restructured and would increase the tooth and
tail ratio.
There will be massive changes to optimize signal
establishments, restructuring of repair echelons,
redeploying of ordnance echelons, enhanced
utilization of transport and closure of military farms
and Army postal services at peace locations. Shekatkar
Committee had given 99 recommendations to the
government on December 2016, out of which the
Ministry of Defence has decided to implement 65
suggestions in phased manner. The committee was set
up and was headed by Lt. General Shekatkar (retd.).
SPACE
ISROS IRNSS-1H NAVIGATION
SATELLITE LAUNCH WAS
UNSUCCESSFUL
Indias Indian Space Research Organisation (ISRO)
failed in its attempt to launch its eighth regional
navigation satellite (IRNSS-1H) from Sriharikota on
September 1, 2017. The satellite got stuck in the
fourth stage of the Polar Satellite Launch
VehiclePSLV-C39.
CU RRENT
The Indian Regional Navigation Satellite System (IRNSS) is an
independent regional navigation satellite system developed by India
on par with US-based GPS. ISRO had earlier launched seven
satellites.
IRNSS-1H was sent to space to back up and replace the functions of
Indias first navigation satellite IRNSS-1A which was launched four
years back. This system was namedas NavIC (Navigation with
Indian Constellation) by Prime Minister Narendra Modi. The
NavIC system has many uses including for fishermen venturing into
sea, guiding merchant ships to navigate, tracking of railway
movement and alerting road users near unmanned level crossings.
HEALTH
HEALTH MINISTRY LAUNCHES TWO NEW
CONTRACEPTIVES
The Ministry of Health and Family Welfare has launched two new
contraceptives, an injectible MPA (Medroxyprogesterone Acetate)
under the Antara programme and contraceptive pill Chhaya in
New Delhi on September 5, 2017. It is safe and highly effective.
Antara(injectable) is effective for three months and Chayya (pill)
works for one week. This will help to meet the changing needs of
couples, especially women, to plan and space their pregnancies.
The new contraceptives have been launched inten states
Maharashtra, Uttar Pradesh, Madhya Pradesh, Rajasthan,
Karnataka, Haryana, West Bengal, Odisha, Delhi and Goa so far.
The health ministry has also launched theMission Parivar Vikas, a
central family planning initiative. Its key focus is improving access to
contraceptives through delivering assured services, ensuring
commodity security and accelerating access to high quality family
planning services.
HEALTH SCHEME AROGYA BHAGYA
Karnataka government will merge the existing seven health schemes
to launch a unified health scheme- Arogya Bhagya. The news came
up on September 1, 2017. The main theme of the Arogya Bhagya
scheme is Treatment Firstand Payment Next.
The State Cabinet had given administrative sanction for the unified
schemes and it will come to effect from November 1, 2017. The
facilities would be provided by categorising the beneficiaries into
two groupsA and B.
All the health facilities will be provided through Aadhaar linked
Universal Health Card. Universal Health Coverage scheme would
help the card holder to get treatment in all the enroll private
hospitals besides government hospitals to get treatment without
paying any cash.
Bankin Guru November 2017 29
 CURRENT REVIEW

SPORTS SCAN SQUASH

MALAYSIAN TOUR 2017
Harinder Pal Sandhu has won the
Malaysian Squash Tour on September 10,
2017. The tournament was held in in
Kuala Lumpur. He beat Malaysias
Mohammed Syafiq Kamal to win the final
match. This is his 21st consecutive
international match to win in a row.
Sandhus winning run this year started
with the title win on the Malaysian Squash
Tour IX event in May followed by his title
win in the Second Nissan Open Squash
Championships. Sandhu then won the
South Australian Open in Adelaide in July
before becoming champion in the
Victorian Open the same month, Sandhus
first M10 title win.

TENNIS
FOOTBALL US OPEN 2017
CALCUTTA FOOTBALL LEAGUE The US Open Tennis 2017 was held from
East Bengal won the Calcutta Football League (CFL) title for the 8th August 22 to September 10, 2017, on
consecutive time at the Kanchenjunga Stadium, in Siliguri, West Bengal on hard courts at the USTA Billie Jean King
September 24, 2017. East Bengal has created a new record by winning the National Tennis Center, in New York. It
Calcutta Football League (CFL) title for the 8th consecutive time. The title was the 137th edition of the US Open
winner was decided based on the number of goals scored. East Bengal Club had Tennis and the 4th and final Grand Slam
scored 28 goals. Whereas, Mohun Bagan Club had scored only 22 goals. It has event of 2017. It was run by the
won all the CFL titles since 2010. International Tennis Federation (ITF).
Rafael Nadal was the winner of Men's
Singles. With this win, Nadal captured his
BADMINTON third US Open title and his 16th Grand
Slam title overall.
KOREA OPEN 2017
PV Sindhu became the first Indian badminton player to lift the title in Korea List of winner -
after she beat Nozomi Okuhara in the womens singles final at Korea Open Event Winner Runner-Up
Superseries in Seoul on September 17, 2017. This was her third Super Series title Men's Singles Rafael Nadal Kevin Anderson
and second this year. In a rematch of the World Championships final which was (Spain) (South Africa)
won by Okuhara, Sindhu avenged her loss from Glasgow and won the Korea Women's Sloane Madison Keys
Singles Stephens (US) (US)
Open Superseries final 22-20 11-21 21-18 and claimed the title. With this
victory, Sindhu became first Indian to win Korea Super Series crown. Sindhu was Men's Doubles Jean-Julien Feliciano Lopez
Rojer (Spain) / Marc
awarded Padma Shri in 2015, Indias fourth-highest civilian honour. (Netherlands) / Lopez (Spain)
Horia Tecau
(Romania)
BASKETBALL Women's Chan Yung-Jan Lucie Hradecka
Doubles (Chinese Taipei) / Katerina
2ND SABA U-16 CHAMPIONSHIP / Martina Hingis Siniakova
(Switzerland) (Czech
India won the Second South Asian Basketball, SABA, Under 16 Republic)
Championship, in Kathmandu, Nepal on September 9, 2017. India won all its
Mixed Doubles Martina Hingis Chan
4 matches and obtained a total of 8 points. In its last match India defeated (Switzerland) / Hao-ching
Bhutan by 131 50 points. India was followed by Bangladesh in the 2nd Jamie Murray (Chinese Taipei)
position and Nepal in the 3rd. India has now qualified for the 2017 (United / Michael
Kingdom) Venus(New
International Basketball Federation, FIBA, Under-16 Asian Championship to Zealand)
be played in Malaysia, in 2017.

30 Bankin Guru November 2017

 CU RRENT

MOTORBIKE RACE BOXING

WORLD CHAMPIONSHIP CHIEF MINISTERS CUP
Ana Carrasco of Spain became the first female to win Maharashtra has won the Chief Ministers Cup at National
an individual World Championship motorbike race, in kickboxing championship. It has 45 gold medals. The National
Portugal on September 17, 2017. kickboxing championship is being held in Raipur. Chhattisgarh
She has become the first female to win an Individual secured second position with 27 gold and Haryana secured third
Championship motorbike race. She finished 0.053 position with 15 gold medals. Nearly two thousand players from
seconds ahead of Alfonso Coppola from Italy, who 27 states participated in the four-day event.
finished in the second position. Ana Carrasco made
her debut in the world motorbike championship in AIBA WORLD CHAMPIONSHIPS 2017
2013. The 2017 edition of AIBA world
boxing championships was hosted by
Hamburg, (Germany) from August 25
FORMULA 1 to September 2, 2017. Gaurav Bidhuri
completed his dream debut at the
SINGAPORE GRAND AIBA World Boxing Championships
PRIX 2017 with a bronze in the bantamweight
Mercedes Lewis Hamilton won the Formula 1 category (56kg), becoming the fourth
Singapore Grand Prix, in Singapore on September 17, Indian ever to win a medal at the
2017. Lewis Hamilton finished the race first and won global meet.
the Singapore Grand Prix. He was followed by Red Medal table of top four countries -
Bulls Daniel Ricciardo in the 2nd position and
Rank Nation Gold Silver Bronze Total
Mercedes Valtteri Bottas in the 3rd. Hamiltons rival
1 Cuba 5 2 0 7
Sebastian Vettel withdrew in the middle of the race
2 Uzbekistan 1 3 2 6
due to his damaged Ferrari car.
3 Kazakhstan 1 2 3 6
4 Azerbaijan 1 0 1 2
SHOOTING
ISSF SHOTGUN WORLD CHESS
CHAMPIONSHIPS 2017 2ND WESTERN ASIA YOUTH
Indias Ankur Mittal has won the silver medal in the CHAMPIONSHIP 2017
mens double trap event at the ISSF Shotgun World
Championships held in Moscow from August 30 to Rishabh Shah from Mumbai has won the two bronze medals in the
September 11, 2017. The ISSF World Shooting under-14 rapid and blitz formats of the 2nd Western Asia Youth
Championships are governed by the International Chess Championship which was in the recent has held in the
Shooting Sport Federation. Waskaduwa in Sri Lanka. Sri Lankas Candidate Master GMH
Thilakarathne picked the gold with a tally of six points, while
World Shooting Championships began in 1897. In the Bangladeshs Mohammad Fahad Rahman finished with 5.5 points
junior men's double trap team event, India won the bagging the silver.
gold with a combined score of 401 and 17-year-old
Ahvar Rizvi won a silver medal in the individual event. U-12 CADET CHAMPIONSHIPS
India was in the fourth spot with one gold and two Nagpur-based Divya Deshmukh clinched the gold medal in the the
silver medals. Medal summary - girls U-12 category on September 4, 2017 at the World Cadets
Seniors Chess Championship at Pocos de Caldas, Brazil. She scored a total
Rank Nation Gold Silver Bronze Total
of 9.5 points to give India its only medal in the championship this
1 Italy 6 1 2 9
year. It is Divyas second world title after her victory in the
2 United States 3 1 1 5
under-10 World Youth Chess Championship in Durban in 2014.
3 Russia 2 2 2 6 She had previously won the U-10 Asian blitz event in early 2014
and won the rapid and standard formats in the Asian Schools
Juniors Championship in 2012.
Rank Nation Gold Silver Bronze Total In 2013, she had become the youngest woman FIDE Master. She
1 Italy 3 4 1 8 had won gold in the blitz section, silver in rapid and bronze in the
2 United States 2 1 4 7 classical version in the Asian Youth Championship held in
3 India 1 1 0 2 Uzbekistan in April 2016.

Bankin Guru November 2017 31

 CURRENT
SPORTS PERSONALITIES
KULDEEP YADAV
Chinaman bowler Kuldeep Yadav has become the first Indian
spinner to take a hat-trick in ODI cricket during the second
match of the ongoing series against Australia at Eden Gardens,
Kolkata on September 22, 2017. Yadav took the wickets of
Matthew Wade, Ashton Agar and Pat Cummins in consecutive
balls in his eighth over. He became only the third Indian after
Kapil Dev (1991) and Chetan Sharma (1987) to take a hat-trick
in an ODI.
PRIYANKA PANWAR
Asian Games gold medalist Priyanka Panwar was suspended for
eight years after she tested positive for a banned performance
enhancing drug, in New Delhi on September 12, 2017. She had
tested positive for a banned stimulant during a national inter-state
athletics competition in 2016. The ban is for eight years with
effect from July 2016. According to the rules of NADA, a person
tested positive for drugs for the second time will get a maximum
ban of 8 years.
JOYCILLINE JEPKOSGEI
Joycilline Jepkosgei of Kenya broke her own 10 km road world
record, in Prague, Czech Republic on September 11, 2017. She
has become the first woman to run 10 km distance under 30
minutes on road. She ran for 29 minutes 43 seconds at the Birell
Prague Grand Prix and broke her previous record of 30 minutes 4
seconds. Jepkosgei has broken a total of five records this year. She
has set new marks for the 10km, 15km, 20km and half-marathon.
32 Bankin Guru November 2017
SAMURAI TETE
Former India Womens Hockey captain Sumurai Tete
was awarded Dhyan Chand Award 2017 on the
occasion of National Sports Day on August 29, 2017 by
the President Ramnath Kovind at a function held at
Rasthrapati Bhawan in New Delhi. Sumurai has
become the first woman from Jharkhand to bag the
prestigious national award.She received statuettes,
certificates and cash prize of ` 500000 each for her
achievements and contribution to Field hockey in India.
Under Sumrai Tetes captaincy that Indian eves
clinched Commonwealth Games hockey silver at
Melbourne in 2006.
NOTEBOOK
EMBLEM AND SLOGAN FOR FIFA
WOMENS WORLD CUP 2019
UNVEILED
The official emblem and slogan for FIFA Womens World
Cup France 2019 were unveiled in Paris, France on
September 21, 2017. The slogan of the tournament Dare
To Shine reflects the development of football, especially
womens football. The emblem features the competition
trophy wrapped in blue and white, with eight shards of
light around football at the top of the trophy.It
symbolizing the eighth edition of the FIFA Womens
World Cup. The 2019 edition of FIFA Womens World
Cup will be take place from June 7 to July 7, 2019.
FIFA U-17 WORLD CUP LOGO
LAUNCHED
Kerala Chief Minister Shri Pinarayi Vijayan has
launched the host city logo for Kochi on August 29,
2017. The logo represents and reflects Kochis identity
and will be a valuable tool in linking the local
community in a global World Cup. The 2017 FIFA
U-17 World Cup will be the 17th edition of the FIFA
U-17 World Cup. It will be the first FIFA tournament
hosted by India. The tournament will be hosted by
India between October 6 and 28, 2017.
Other Tournaments/Events
Name Related Facts
Futures Tennis Title Sasi Kumar Mukund of India had won
(September 24, 2017) his second straight Futures title.
He defeated Arjun Khade by 6-3, 6-4 in
the singles final of the LMW ITF Mens
Futures tennis tournament.
Mukund and Khade had teamed up for
the doubles but lost in the final to
Chandril and Lakshit Sood.
Italian Grand Prix Lewis Hamilton has won the Italian
(September 3, 2017) Grand Prix 2017 to take lead in
Formula-1 title race. The 2017 Italian
Grand Prix was a Formula One motor
race held at the Autodromo Nazionale
Monza in Monza, Italy.

NEWS KIT
APPOINTMENT
MERCEDES ARAOZ
Ms. Mercedes Araoz was appointed
as new Prime Minister of Peru by
President Mr. Pedro Pablo
Kuczynski on September 18, 2017.
President of Peru, Mr. Pedro Pablo
Kuczynski reshuffled the cabinet
after the Congress passed a
no-confidence vote on the existing
Prime Minister Mr. Fernando
Zavala on 15th Sepetember 2017.
This was a consequence of a dispute
regarding teachers strike and the
governments education policies that
stressed gender equality in the
school curriculum.
YC MODI
YC Modi is appointed as the new
Director General of the National
Investigation Agency (NIA) on
September 18, 2017.
Modi will replace Sharad Kumar,
who will retire on October 30,
2017. The order was issued by the
Ministry for Home Affairs. NIA is a
central agency established by the
Indian Government to combat
terror in India. It acts as the Central
Counter Terrorism Law
Enforcement Agency.
CURRENT REVIEW
ABANTI
SANKARANARAYANAN
Ms.Abanti Sankaranarayanan, Chief
Strategy and Corporate Affairs Officer,
Diageo India, was unanimously elected
as the chairperson of the board of The
Advertising Standards Council of India
(ASCI) on September 14, 2017.
She was a member of the ASCI board
of governors for 4 years. She is also the
Chief Strategy and Corporate Affairs
Officer at Diageo India. She is also a
member of its executive committee.
The Advertising Standards Council of
India is a self-regulatory voluntary
organization of the advertising industry
in India. It is a non-Government body.
SEKHAR BASU
Scientist Dr.Sekhar Basu was given
one-year extension on September 16,
2017 as Atomic Energy Secretary, till
19th September 2018. Sekhar Basus
has been given extension for the second
time. He was appointed as the Atomic
Energy Secretary in October 2015. His
period was to end in September 2016.
In August 2016, he was given a
one-year extension. Basu is a renowned
scientist. He has been honoured with
Padma Shri award. He was the
Director of the Bhabha Atomic
Research Centre (BARC) and chief
executive of the NRB.
Bankin Guru November 2017 33
NAGARAJA SHARMA
The Union government has appointed
M. Nagaraja Sharma as the Chairman and
Managing director of United India
Insurance announced on September 13,
2017. Sharma is currently the director and
general manager of UII. The post of
chairman and MD was vacant after the
retirement of Milind Kharat a few months
ago. UII is headquartered in Chennai.
HALIMAH YACOB
Ms.Halima Yacob was declared on
September 1, 2017 as the first ever female
President of Singapore. She was selected as
the 8th President without election. She
was the first female Speaker of Parliament
in 2013, in Singapore. Out of the three
presidential candidates only she was given
certificate of eligibility for the post.
SJOERD MRIJNE
Hockey India has named Sjoerd Mrijne as
the new chief coach of the India mens
senior hockey team announced on
September 8, 2017. The current coach of
the senior womens team Mrijne will take
the position of Roelant Oltmans who was
sacked by Hockey India . Junior World
Cup winning coach Harendra Singh took
the charge of the womens team as the
High Performance Specialist.
VIVECK GOENKA
Viveck Goenka, Chairman and Managing
Director of the Express Group elected as a
Chairman of Press Trust of India (PTI) on
September 6, 2017 and N. Ravi, a former
Editor-in-Chief of The Hindu daily is
elected as a Vice-Chairman. Goenka
succeeds Riyad Mathew, who is Senior
Assistant Editor and a member of the
Manorama management and Ravi succeeds
Goenka as Vice Chairman. Goenka is also a
director of the Indian Newspaper Society
(INS) besides being a member of the
Advertising Association, India Chapter.
KV RAMA MOORTHY
KV Rama Moorthy has appointed as
Managing Director and Chief Executive
Officer of Tamilnad Mercantile Bank Ltd
announced on September 4, 2017.
According to the approval of RBI Moorthy
will serve for a period of 3 years.
 CURRENT
Prior to this, he was working as
Executive Director of United Bank of
India since 2015 and earlier he was
with Bank of Baroda.Tamilnad
Mercantile Bank Limited (TMB) is a
bank headquartered at Tuticorin,
Tamil Nadu, India. For the financial
year 2016-2017, the bank reported a
net profit of Rs.3166 million.
RA SANKARA
NARAYANAN
RA Sankara Narayanan has taken
charge as Managing Director and Chief
Executive Officer of Vijaya Bank on
September 1, 2017. He has taken over
the reins of the bank from Kishore
Sansi, who reached superannuation on
August 31, 2017. It was established on
the auspicious Vijayadashami Day, it
was named Vijaya Bank.
ANITA KARWAL
Anita Karwal was appointed as the
new Chairperson of Central Board of
Secondary Education (CBSE)
announced on September 1, 2017.
She is currently serving as additional
secretary in HRD Ministry. She was
the Gujarat Chief Electoral Officer
during the Lok Sabha election in
2014. She has replaced Rajesh Kumar
Chaturvedi, who has been appointed
as Director General of the National
Skill Development Agency.
JY PILLAI
Indian-origin veteran civil servant
JY Pillay has appointed Singapores
acting President on September 1,
2017. He has appointed until a new
head of the state is elected. Pillay took
over from Tony Tan Keng Yam who
completed a six-year term.
Person Post
Vanlalawmpuii Minister of State
Chawngthu
(September 24 , 2017)
Arvind Subramanian Chief Economic
(September 24 , 2017) Adviser
B Sambamurthy NPCI interim
(September 21, 2017) Board chairman
Parineeti Chopra Ambassador in
(September 5, 2017) FOA
Rajiv Gauba Union Home
(September 1, 2017) Secretary
34 Bankin Guru November 2017
Pillay a chairman of the Council of RAJIV MEHRISHI
Presidential Advisers (CPA), will act as
the president until after polling day on
September 23 or after nomination day
on September 13, if a candidate is
elected unopposed. According to the
report this is the first time the office
has fallen vacant since the elected
presidency was introduced in 1991.
RAJIV KUMAR Former Home Secretary Rajiv Mehrishi
Noted economist Rajiv Kumar took has appointed as the 13th Comptroller
over as the vice-chairman of and Auditor General (CAG) of
government think tank NITI Aayog on Indiaannounced on August 31, 2017.
September 1, 2017. Kumar replaced The CAG is appointed for a term of six
Arvind Panagariya, an Indian- years or till the incumbent attains the
American economist who left the think age of 65 years, whichever is earlier.
tank yesterday to return to academia. Shashi Kant Sharma completed his term
as the 12th CAG of India by
Earlier, he had served as Secretary September-end, 2017. At present, the
General of industry association FICCI. Comptroller and Auditor-General of
Mr Kumar has authored of several India is appointed by the President of
books on the Indian economy and India following a recommendation by
India's national security. the Prime Minister.
SUNIL ARORA PV SINDHU
Sunil Arora was appointed as the Tyre major Bridgestone India has
Election Commissioner on August 31, announced badminton player and
2017. Before taking charge he (Former Olympic silver medallist PV Sindhu as
IAS Officer) was the Information and its first brand ambassador on August 30,
Broadcasting Secretary, and Secretary 2017. She will be a part of three year
in the Ministry of Skill Development agreement. Bridgestone India is a
and Entrepreneurship. Achal Kumar subsidiary of the worlds largest tyre and
Joti is the Chief Election Rubber Company and also a Worldwide
Commissioner and Om Prakash Rawat Olympic Partner.
is the other Election Commissioner.
She was a silver medalist at the BWF
Election Commission of India is a
permanent Constitutional Body. The
World Championships 2017. In 2013,
she became the first ever Indian women's
Election Commission was established singles player to win a medal at the
in accordance with the Constitution on
Badminton World Championships. She
25th January 1950. Originally the had also received Padma Shri (2015) and
commission had only a Chief Election
became the first Indian woman to win
Commissioner. It currently consists of an Olympic silver medal in the Olympic
Chief Election Commissioner and two
Games Rio 2016.
Election Commissioners.
Other Appointments
Related Facts
She became the second woman in Mizoram to be inducted in the states council of ministers after a gap
of 30 years. She is the second woman in Mizoram to hold ministerial post after Lalhlimpuii Hmar, who
was made a minister in 1987.
The government has extended the term of Chief Economic Adviser A .Subramanian by one year till
October 2018. Subramanian, a Senior Fellow at the Peterson Institute for International Economics, was
appointed Indias Chief Economic Adviser (CEA) in October 2014.
The Board of National Payments Corporation of India (NPCI) has appointed of B Sambamurthy as interim
Chairman of the Board. NPCI is an umbrella organisation for all retail payment systems in the country.
She has appointed as the first Indian woman ambassador in Friends of Australia (FOA) advocacy
panel by Tourism Australia. In her new role she will be promoting Australia as a tourist destination.
He has been appointed for fixed two year. Gauba replaced Rajiv Mehrishi. Gauba has also represented
India on the board of International Monetary Fund for four years.

RESIGNATION
BJARNI BENEDIKTSSON
Iceland Prime Minister Bjarni
Benediktsson resigned from his
position, in Reykjavik, Iceland on
September 16, 2017.
The Prime Minister resigned from his
position after one party from its
alliance quit and the other asked for a
new election.
The alliance collapsed and the ruling
government lost majority. The Iceland
Prime Minister was also earlier accused
in the panama papers issue. Iceland, is
a mountainous island nation in the
north Atlantic Ocean, located between
Europe and North America.
STEPHANE
COTTALORDA
Indias first foreign coach for women
boxers Mr.Stephane Cottalorda
resigned on September 14, 2017 from
his position within 1 month of joining.
Stephane Cottalorda has stated delay in
salary and other payments as a reason
for his resignation.
He has also mentioned that Boxing
Federation of India (BFI) lacks
professionalism. BFI explained that due
to lack of PAN card, payment in
Mr.Stephanes salary faced issues.
LIN CHUAN
Taiwans Premier Lin Chuan resigned
on September 4, 2017 in a move aimed
at reviving dwindling public support for
the government of President Tsai
Ing-wen. Lin Chuan is a Taiwanese
economist and politician and the current
Premier of the Republic of China.
He served as Minister of Budget,
Accounting and Statistics and Minister
of Finance during Chen Shui-bians
presidency. He was elected as a 48th
Premier of the Republic of China.
PERSON DIED
ARUN SADHU
Renowned Marathi author and senior
journalist, Arun Sadhu passed away on
September 25, 2017. He was known for
his work Mumbai Dinank, Kakasaheb
Gadgil, Simhasan and many more novels
in Hindi, English and Marathi.
He won the Sahitya Academy award. He
has also won several awards including
Bharatiya Bhasha Parishad, NC Kelkar
and Acharya Atre award.
DR. KS CHUGH
Dr. KS Chugh, the father of nephrology
in India, died at the Postgraduate
Institute of Medical Education and
Research (PGIMER), Chandigarh on
September 18, 2017. Dr.Chugh was
professor and former head of department
of nephrology at the PGIMER. He has
received the Padma Shri award. The
International Society of Nephrology listed
him among 50 legends in nephrology.
ARJAN SINGH
Indian Air Force Marshal Arjan Singh,
nations oldest officer who was the military
officer has been set at the accord of
September 16, 2017 at Brar Square in
New Delhi. Arjan Singh, hero of 1965
India-Pakistan war, was the only Air Force
officer to be promoted to five-star rank.
For his distinguished service in
commanding the IAF during the
Indo-Pakistani War of 1965, he was
awarded the Padma Vibhushan and in
1966 became the first IAF officer to be
promoted to air chief marshal.
The funeral of Arjan Singh, Marshal of the
Indian Air Force and legendary fighter
pilot, has been given the full honor at the
capital city.
MR. MAHANT
CHANDNATH
BJP MP from Alwar Mahant Chandnath,
who was suffering from cancer, passed
away at a hospital in New Delhi on
September 17, 2017.
He was BJP MP from Alwar. Mr.Mahanth
Chandnath won the Alwar seat in
Rajasthan in 2014 parliamentary elections
by defeating Congress candidate and
former Union Minister Mr.Jitendra Singh.
Bankin Guru November 2017 35
CU RRENT
PP RAO
Constitutional Law Expert and
Senior Advocate PP Rao passed
away on September 11, 2017.
According to Bar & Bench, his
death was caused due to cardiac
arrest. He was elected President of
the Supreme Court Bar Association
in 1991.
In 2006, Rao was awarded the
Padma Bhushan, and in 2014 his
name was approved for selection as
jurist member of the selection
committee of the Lokpal reported
Bar & Bench.
GAURI LANKESH
Senior journalist, editor and activist
Gauri Lankesh was shot dead by
unidentified mugger at the entrance
of her home in Bengaluru West on
September 5, 2017.
Gauri Lankesh was the editor of
weekly Kannada tabloid magazine
Lankesh Patrike, columnist in
newspapers, a panelist on TV
channels besides being an activist.
Gauri started her career as a
journalist with The Times of India
in Bangalore.
SULTAN AHMED
Former Union minister and
Trinamool Congress MP Sultan
Ahmed had passed away on
September 4, 2017. He was elected
to the Lok Sabha from Uluberia
constituency on a TMC ticket. He
was elected to the West Bengal
Assembly twice. Ahmed had served
as the Union Minister of State for
Tourism in the UPA government.
JOMDE KENA
Arunachal Pradesh Health and
Family Welfare Minister Jomde
Kena had passed away on
September 5, 2017. He represented
Likabali constituency and was first
elected to the Legislative Assembly
in 2004.
Kena was elected as Deputy Speaker
during Nabam Tuki Government.
He served as Parliamentary
Secretary under the Dorjee Khandu
and Jarbom Gamlin ministries.
CURRENT

Other Person Died ACHARYA BALKRISHNA

Person Related Facts Acharya Balkrishna, the associate of Baba Ramdev-run
Shakila
FMCG company Patanjali and Radhakishan Damani of
Babuji Dheere Chalna actress Shakila died of
(September 22, 2017) cardiac arrest. Shakila has acted in films such as D-Mart are among the top 10 rich people in the country.
Guru Dutt s Aar Paar (1956) and CID (1956). She Balkrishna has ranked eighth in the Hurun India rich list
earned the tag of fairy queen of Indian movies. 2017. The list published on September 26, 2017. He is
Liliane Bettencourt Liliane Bettencourt, the LOral heiress and the now worth ` 70000 Cr. Patanjali, with a turnover of INR
(September 21, 2017) worlds richest woman, had passed away. 10,561 crore in 2016-2017 has been a close competition
Mrs Bettencourt was ranked the richest woman in to major international brands. Mukesh Ambani, with net
the world with a total worth of $39.5 billionby
Forbes magazine in 2016, making her the worlds worth of ` 257900 crore is ranked first in the list for the
14th richest person. sixth consecutive year.
Qamarul Islam Veteran Congress lawmaker and former
(September 18, 2017) Karnataka Minister Qamarul Islam had passed VINAY AGRAWAL
away. SEBI has imposed a penalty of ` 9 lakh on ING Vysya
He was a six-term legislator and a one-term Lok Banks former official for violating insider trading
Sabha member from Kalaburgi in the states
northern region. regulations announced on September 22, 2017. The fine
Mohammed
was imposed on Vinay Agrawal, who was regional head of
Former Union minister and senior Rashtriya
Taslimuddin Janata Dal (RJD) leader Mohammed Taslimuddin business banking in ING from August 2011 till June 20,
(September 18, 2017) died in a Chennai Appollo hospital. 2012. After conducting an examination of trading in the
He hailed from Seemanchal area in Bihar, was a shares of ING Vysya Bank from August 2011 to May
seven-time MLA and five-time MP. 2013, SEBI found that Agrawal traded in the shares
He was the Union minister of state for home in the valuing over ` 5 lakh four times. Agrawal had failed to
UPA I government at the Centre.
disclose the dealings to ING and BSE.
Syed Mustafiz Ahmed Former Odisha Health Minister Syed Mustafiz
(September 11, 2017) Ahmed passed away following a prolonged illness. NIRMALA SITHARAMAN
Patnaik described Ahmed as a simple man who Nirmala Sitharaman was named the first independent
stood by the people through thick and thin.
woman Defence Minister of India announced on
September 3, 2017. Prime Minister Indira Gandhi was
PERSON IN NEWS the first woman to hold the portfolio as the additional
charge till 1982. Sitharaman, who earlier held the
PAWAN CHAMLING independent charge of the commerce and industry
During a ceremony at Germanys Lagau on the occasion of the ministry. The post of the defence minister fell vacant after
One World Festival Sikkim Chief Minister Pawan Chamling Manohar Parrikar joined Goa state politics to become the
was honoured for his pioneering work in the field of organic chief minister of the state. Following this, Finance
farming. Chamling was conferred the Grand Prix Award during Minister Arun Jaitley took over.
the One World Award ceremony on September 8, 2017. The
award was given by Gerd Muller, the Federal Minister of
RAJYAVARDHAN SINGH RATHORE
Bavaria, and Joseph Wilhelm, German Organic Pioneer and Rajyavardhan Singh Rathore has appointed as the countrys
Managing Director of Rupenzel. Youth Affairs and Sports Minister on September 3, 2017.
He has succeeded Vijay Goyal as the Sports Minister and is
RAM JETHMALANI the first sportsperson to become the head of the Sports
Ministry. He is the first Indian shooter to win an Olympic
Senior advocate and former medal after his silver at the 2004 Athens Games.
union minister Ram Jethmalani
announced his retirement from He also has three gold medals from the Commonwealth
legal practiceat on September Games to his name from 2002 and 2006, along with a
silver. In 2004 and 2006, he won two World Champion-
23, 2017. He announced his
ship golds as well in Sydney and Cairo respectively.
retirement during a function
organised by the Apex bar body, PEGGY WHITSON
the Bar Council of India, to
According to the US space agency NASA , astronaut
felicitate the new Chief Justice
Peggy Whitson is set to depart the ISS and return to Earth
of India Justice Dipak Misra.
after completing a 288-day long mission. Whitson is
In 1977 he received Human Rights Award instituted by World completing a 288-day mission that began in November
Peace Through Law for his fight against authoritarianism at 2016, spanning 122.2 million miles and 4,623 orbits of
Philippines. He was elected a member of parliament in the 6th Earth her third long-duration stay on the outpost. She is
and 7th Lok Sabha on a Bharatiya Janata Party (BJP) ticket the worlds oldest spacewoman and most experienced
from Mumbai. He has served as Law Minister of India and also female spacewalker. She also became the first woman to
as Minister of Urban Development during the prime command the space station twice following her launch in
ministership of Atal Bihari Vajpayee. November, 2016.

36 Bankin Guru November 2017

 CU RRENT

PLACE IN NEWS DATES & DAYS

VARANASI (UTTAR PRADESH) 02 September World Coconut Day
Prime Minister Mr.Narendra Modi visited Varanasi in
Uttar Pradesh and inaugurated 17 projects on September 05 September Teachers Day (Birth Day of S.Radhakrishnan),
Sanskrit day
22 to 23, 2017. He digitally laid foundation stones for 6
more projects. Mr.Modi inaugurated the Deendayal 08 September World Literacy Day
Hastkala Sankul, a Trade Facilitation Centre, at Bada
Lalpur, Varanasi. It focuses on handicrafts. Mr.Modi also 14 September World Fraternity and Apology Day , National
flagged off the Vadodara-Varanasi weekly express. He Hindi Dives ( Day)
inaugurated banking services of the Utkarsh Bank in
Varanasi. 15 September Engineers Day
This bank focuses on micro-finance. He also released a
postage stamp on different aspects of Lord Rams life at the 16 September World Ozone Day
Tulsi Manas Mandir, in Varanasi. He launched the service
of four water ambulances and four coffin carrying boats 20 September Railway Police Force (RPF) Foundation Day
remotely through video link. They are named Jal 21 September Alzheimers Day, International day of peace
Ambulance service, and Jal Shav Vahan respectively.
25 September Social Justice Day
SECUNDERABAD (TELANGANA)
Pralay Sahayam, a Humanitarian Assistance and Disaster 27 September World Tourism Day
Relief (HADR) exercise was held in Secunderabad on
September 23, 2017. Pralay Sahayam provides a common 30 September International Translation Day
platform for all agencies involved in search, rescue and relief
operations during natural disasters, to interact and generate a
better and optimized Disaster Management Strategy. BOOKS & AUTHORS
As a part of Pralay Sahayam a seminar on Humanitarian Book (Author) Related Facts
Assistance and Disaster Relief was conducted. The The Shershah of It is a biography of Kargil war hero Late Captain
seminar had sessions on Disaster Management Integrated Kargil (Deepak Vikram Batra, who was posthumously awarded Param
Response Strategy and Role of Armed Forces and Urban Surana) veer Chakra (PVC) the highest gallantry award of
Floods: Challenges and Response. India.
It is a motivational story of young Captain Vikram Batra
MANESAR (HARYANA) who was killed in the Kargil war by Deepak Surana.
Bhartiya Kala This is an Art Book based on original research, written
The Food Safety Standards Authority of India (FSSAI) has Mein Salil in Hindi and published by National Museum after few
inaugurated Indias first ever food safety institute set up by Kridayen Evam decades.
Nestle India in Manesar on September 9, 2017. Sadyahsnata
This is a book written to highlight the Indian Art and
Nayika (Dr. describes the Water Sports (Salil Kridayen).
The institute aims to train and guide its students in food Kshetrapal
safety including nutrition check and keeping the Gangwar and Dr.Mahesh Sharma, Minister of State (Independent
Shri Sanjib charge) for Culture released the book.
ingredients in the food items within the limit among Kumar Singh)
others. Nestle Food Safety Institute will conduct training
Unstoppable: The book talks about how a seventeen-year-old Maria
programmes on food safety management systems, testing My Life So Far Sharapova became popular by defeating the two-time
methods and regulatory standards. It also aims to bring in (Maria defending champion Serena Williams to win the
global expertise in the food items. Sharapova) prestigious Wimbledon.
In the book it has been described about the winner of
AHMEDABAD (GUJARAT) five Grand Slam titles to date, Russian tennis player
Sharapova also stars on the fashion pages and is
Ahmedabad was formally accorded the status of Indias first notable for her charity work.
World Heritage City by UNESCO announced on Hit Refresh The book includes the inside story of the companys
September 1, 2017. UNESCO Director General Irina (Satya Nadella) continuing transformation, Nadellas own personal
journey, Vision for the coming wave of intelligent
Bokova handed over the certificate declaring Ahmedabad as technologies. Author of the book- Satya Nadella is
a World Heritage City to Gujarat Chief Minister Vijay Microsoft CEO.
Rupani in Gandhinagar. How India Sees The book of Former Foreign Secretary Shyam Sarans
the World: book launched by former Prime Minister Dr.
Ahmedabad was selected out of 250 cities in the race for Kautilya to the Manmohan Singh .
the coveted status. On July 8, 2017, India secured the 21st Century
The book records the crucial meeting of the CCS
nomination for Ahmedabad on UNESCOs World (Shyam Saran) (Cabinet Committee on Security) on the eve of India-
Heritage list during the 41st Session of World Heritage Pakistan Defence Secretary-level talks in May 2006.
Committee. Immortal India It includes original thoughts of writer on a wide array
(Amish Tripathi) of subjects like religion, LGBT rights, history, and
feminism.
Amish is a best selling writer who has entertained
readers with his mythological series on Lord Shiva
and Lord Rama.

Bankin Guru November 2017 37

 CURRENT REVIEW

RAJBHASHA KIRTI
AWARDS AND PURASKAR 2017
Vijaya Bank has bagged the first prize

HONOURS under the Rajbhasha Kirti Puraskar

(Region C) for the year 2016-17. It got
the award for active implementation of
Hindi in its day-to-day activities.
President Ram Nath Kovind gave away the
award to the Managing Director and Chief
Executive Officer, RA Sankara Narayanan.
Vijaya Bank is a public sector bank with its
corporate office in Bangalore, Karnataka. It
is one of the nationalised banks in India.

KRISHI PRAGATI AWARD

Raghunandan Industries Private Limited
was awarded Krishi Pragati Award 2017,
by NCDEX, in New Delhi on September
7, 2017. The Krishi Pragati Award 2017
has been awarded to appreciate the
outstanding contribution made by
Raghunandan Industries in the area of
Agricultural Commodities.
Mr.Ram Vilas Paswan (Minister of
UNHCR NANSEN REFUGEE AWARD Consumer Affairs, Food and Public
Distribution) and Mr. Arjun Ram
A Nigerian lawyer Zannah Mustapha was awarded with UNHCR Nansen
Meghwal (Union Minister of State for
Refugee Award on September 19, 2017. He worked for the rights of displaced
Finance & Corporate Affairs) gave away
children growing up amid violence in north-eastern Nigeria.
the award to Mr.Saurabh Mittal, Founder
He helped in the release of more than 100 schoolgirls kidnapped by Boko & MD of Raghunandan Money.
Haram. He founded a school in 2007 in Maiduguri the capital of Borno State Raghunandan Industries, is a part of
and the epicentre of the Boko Haram insurgency. The school provides a free Raghunandan Money Group.
education, as well as free meals, uniforms and health care, to children affected
by violence. 74TH VENICE FILM
FESTIVAL AWARDS 2017
69TH PRIMETIME EMMY AWARDS 2017
The 74th annual Venice International Film
The 69th Annual PrimeTime Emmy Awards ceremony took place at the Festival was held from August 30 to
Microsoft Theater in Los Angeles, California, United States on September 18, September 9, 2017. The most important
2017. The Annual Prime Emmy Awards honours the best US television award is the Golden Lion at the Venice
programmes broadcasted from June 1, 2016 to May 31, 2017. Biennale and considered one of the most
The award winners were chosen by the Academy of Television Arts & prestigious film awards, like the Golden
Sciences.The ceremony was hosted by Stephen Colbert. This is the first time in Palm in Cannes and the Golden Bear of
Emmy Awards history a series from an online streaming network wins the Berlin. Details of the awards -
Outstanding Drama Series Award among television series. n
Golden Lion The Shape of Water,
directed by Guillermo del Toro
GLOBAL DIVERSITY AWARD 2017 n
Grand Jury Prize Foxtrot, directed by
Salman Khan was awarded Global Diversity Award at Britains House of Samuel Maoz
Commons, in London on September 15, 2017. The award was given to n
Silver Lion Best Director Xavier Legrand,
Salman Khan by Keith Vaz, the longest serving Indian-origin MP in British Jusqu la Garde
Parliament. n
Best Film Nico, 1988, directed by
The award was given for his contribution to the Indian film industry as an Susanna Nicchiarelli
actor, producer, television personality, singer and philanthropist. Other n
Best Director Vahid Jalilvand, No Date,
recipients who received this award previously are Indian actors Amitabh No Signature
Bachchan, Aishwarya Rai, Shah Rukh Khan, Chinese actor Jackie Chan, n
Best Actress Lyna Khoudri, Les Bienheureux
Bangladesh Prime Minister Sheikh Hasina, American Civil Rights leader Jesse n
Best Actor Navid Mohammadzadeh, No
Jackson and Formula One driver Lewis Hamilton. Date, No Signature

BAIS LIFETIME ACHIEVEMENT AWARD
Badminton Association of India (BAI) announced that it
would award its first Lifetime Achievement Award to Prakash
Padukone, in Kochi on September 11, 2017. The
announcement was made by BAI president Dr.Himanta
Bishwa Sarma during BWF World Senior Championships. He
recommended for award cash prize of `10 lakh and a citation.
Prakash Padukone is the only Indian male badminton player
to have reach the world number 1 rank. He hails from
Karnataka. He has been awarded the Arjuna Award and
Padma Shri Award by the Government of India.
IDRBT AWARD
Karnataka Bank has bagged the best bank award among small
banks for the use of technology for financial inclusion
announced on September 3, 2017. It is the 13th IDRBT
Banking Technology Excellence Awards 2016-17. The
Karnataka Bank Limited is a major banking institution based
in the coastal city of Mangaluru in Karnataka, India. State
Bank of India has won the Best Bank Award for Use of
Technology for Financial Inclusion Among Large Banks and
Best Bank Award for Electronic Payment Systems among
Large Banks.
RASHTRIYA KHEL PROTSAHAN
PURASKAR
The Reliance Foundation was awarded with the prestigious
Rashtriya Khel Protsahan Award on September 2, 2017 at
Rashtrapati Bhawan. Chairperson of the foundation, Nita
Ambani collected the award from President Ram Nath
Kovind in New Delhi. She is also the first Indian woman to
become a member of the International Olympic Committee.
The award has been given for the immense contribution to the
promotion of sports.Reliance Foundation helps in spreading
sportsmanship among the youth of the country.
ENERGY EFFICIENCY AWARD 2017
Hyderabad International Airport Ltd has bagged the National
Award for Excellence in Energy Management on September
1, 2017 at a conference hosted by the CII. The event focused
on recognizing companies that are engaged in energy
efficiency initiatives and displaying commitment towards
CU RRENT
energy conservation. During the event, airport developer
GMR made a presentation highlighting the energy savings
of around 14.8 million units (MU) over the last three years.
INTERNATIONAL LITERACY PRIZES
2017
The UNESCO has announced the winners of the
International Literacy Prizes on September 1, 2017 on the
occasion of International Literacy Day. This years Literacy
Prizes and celebration focused on literacy in a digital world.
The prizes are divided into two categories, namely the
UNESCO Confucius Prize for Literacy sponsored by China
and the King Sejong Literacy Prize sponsored by South
Korea. The awards handed out to five laureates from
Canada, Colombia, Jordan, Pakistan and South Africa.
NATIONAL LEVEL AWARDS
Minister of Women & Child Development, Smt Maneka
Sanjay Gandhi has given National Level Awards to
anganwadi workers at New Delhi on August 31, 2017. The
awards have been given for the purpose to recognize their
exemplary voluntary service in the field of child
development and related areas under the ICDS Scheme.
The Awards for the year 2016-17 were given to 51 awardees
and these awards are given annually.
WOMEN TRANSFORMING INDIA
AWARDS 2017
Union Minister of Textiles, Information, and Broadcasting
Smriti Irani presented Women Transforming India Awards
2017 to 12 incredible women winners at an event in New
Delhi on August 29, 2017. The award has been launched
by NITI Aayog, in partnership with the UN in India and
MyGov. Awards ceremony recognizes the exceptional work
of 12 women in critical areas such as preventing violence
against women; bridging the gender gap in education;
providing healthcare; building livelihoods and enterprises
for women; and promoting inclusion for persons with
disabilities. Top 6 contestants are - Laxmi Agarwal (Uttar
Pradesh), Subasini Mistry (West Bengal), Safeena Husain
(Mumbai), Arunima Sinha (Uttar Pradesh), Kamal
Kumbhar (Maharashtra) and Jamuna Tudu (Jharkhand).

Other Awards
Award Related Facts
Sarala award Banaj Devi, famous Odia poet and short story writer is to be awarded Sarala award for her short story compilation Kathapua.
(September 26, 2017)
The annual Sarala Puraskar award is one of the prestigious literary awards of Odisha. The awards are given away by Indian
Metals Public Charitable Trust (IMPaCT).
ANR award SS Rajamouli has received the ANR National Award from Vice-President Venkaiah Naidu. He has received the award for his
(September 17, 2017) contribution to the Telugu film industry in Hyderabad.
Container Terminal of Jawaharlal Nehru Port Container Terminal (JNPCT) was given the award in The Gateway Awards 2017 held at Mumbai. The
the Year Award 2017 Gateway Awards are given to appreciate best practices, innovation and motivation in the Indian Maritime industry.
(September 13, 2017)
ASSOCHAM Services Indias first operational Smart City, Gujarat International Finance-Tec City (GIFT City), has won the prestigious ASSOCHAM
Excellence Awards Services Excellence Award in New Delhi. The Awards were presented in the categories of Tourism and Hospitality,
(September 6, 2017) International Financial Services and Technology Hub, Banking and Financial Services, Insurance etc.
NHAI awards The NHAI awarded its first international project in Myanmar to a joint venture of Punj Lloyd-Varaha. NHAI is an autonomous
(September 7, 2017) agency of the Government of India, responsible for management of a network of over 70,000 km of National Highways in
India.

Bankin Guru November 2017 39

 Objective
Current Affairs
10. Which former RBI Governor has 19. Who has been appointed as the new
Level 1 authored the book I Do What I Do? Chairperson of Central Board of
Secondary Education (CBSE)?
a. Duvvuri Subbarao b. Rahguram Rajan
1. The National Conference on c. Manmohan Singh d. Amitav Ghosh a. Tina Joshi b. Pritam Chaturvedi
Insolvency and Bankruptcy: Changing e. V. Subbarao c. Sohail Mahmood d. Anita Karwal
Paradigm was held in which city? e. Priya Mittal
11. Who has won bronze in the 2017
a. New Delhi b.Chennai c.Mumbai womens singles World Badminton 20. The worlds highest sandcastle has
d.Patna e.Ranchi Championships (WBC)? recently built in which country?
2. The United Nations (UN) has a. Vivek b. Ashwini Ponnappa a. Germany b. India
launched which global campaign for 2017 c. Jwala Gutta d. PV Sindhu c. China d. South Africa
World Humanitarian Day (WHD)? e. Saina Nehwal e. None of these
a. Share Humanity b. Not Atarget 12. The National Sports Talent Search 21. Who has been appointed as the new
c. Help d. Protect Civilian Portal has officially launched in which Union Minister of Railways?
e. Pretarget city? a. Piyush Goyal
3. Which country will host the 2017 FIFA a. Guwahati b. Jaipur b. Nirmala Sitharaman
Under-17 World Cup 2017? c. Bhopal d. New Delhi c. Dharmendra Pradhan
a. Japan b. The UK c. Russia e. Patna d. Mukhtar Abbas Naqvi
d. India e. China e. None of the above
13. The Reserve Bank of India (RBI) has
4. Which of the following States is recently approved Spice Digital to 22. Which State government will
Indias largest Bauxite producer? process bill payments under BBPS. provide free education to girls up to
Where is the headquarters of the Spice graduation?
a. Jharkhand b. Rajasthan c. Karnataka
Digital located? a. Tamil Nadu b. Odisha c. Assam
d. Odisha e. Bihar
a. Chandigarh b. Noida d. Karnataka e. Bihar
5. Indias first uranium mine is located at c. Kochi d. Chennai
which among the following places? e. Jaipur 23. Which of the following city is
a. Jadugauda b. Tummalapalle hosting the 9th edition of BRICS
c. Pichli d. Dalbhum 14. Which country has launched the summit-2017?
e. None of these worlds first climate-smart snow-leopard a. Tianjin b. Xiamen c. Chongqing
plan? d. Beijing e. XingXang
6. Who of the following have been a. Nepal b. India
selected for the 2017 Rajiv Gandhi Khel c. Bangladesh d. Bhutan 24. Who has become the first
Ratna Award? e. China wicket-keeper in world cricket to effect
a. Brij Bhushan Mohanty and Syed Shahid 100 stumpings in One Day Internationals
Hakim 15. Which of the following State/UT (ODI)?
b. Varun Singh Bhati and SV Suni police has launched a skill development a. Peter Handscomb
c. Devendra Jhajharia and Sardar Singh programme YUVA? b. Mahendra Singh Dhoni
d. Harmanpreet Kaur and PN Prakash a. Puducherry Police b. Karnataka Police c. Dane Vilas
e. Brij Bhushan Mohanty and Ritesh Ranjan c. Delhi Police d. Uttar Pradesh Police d. Luke Ronchi
e. Bihar Police e. None of the above
7. The National Sports Museum will be
established in which city? 16. Who has been appointed as the new 25. Who has been appointed as the new
a. Indore b. Varanasi c. Surat Election Commissioner (EC)? Union Minister of Skill Development?
d. New Delhi e. Patna a. Gautam Jain b. Satinder Nangia a. Alphons Kannanthanam
c. Neelam Joshi d. Sunil Arora b. Anant Kumar Hegde
8. Who is leading the Indian delegation e. Aashish Singh c. Ashwini Kumar Chaubey
in the Shanghai Cooperation d. Dharmendra Pradhan
Organisation (SCO) meeting on disaster 17. ISRO had launched navigation e. Nirmala Sitharaman
prevention? satellite IRNSS-1H into orbit, but the
a. Rajnath Singh mission has failed. It was launch by 26. Which of the following company has
b. Sushma Swaraj which rocket vehicle? won the coveted Indian Premier League
c. Arun Jaitley a. PSLV C35 b. PSLV C37 (IPL) media rights for 2018-23?
d. Narendra Singh Tomar c. PSLV C38 d. PSLV C39 a. Sony b. Star India c. Vivo
e. None of the above e. PSLV C44 d. Adidas e. Zee TV

9. The 2017 International Day for the 18. Which of the following country is 27. Which of the following State
Remembrance of the Slave Trade and its hosting the 2017 International Hindu government has launched Gyankunj
Abolition is observed on which date? Conference (IHC)? e-class project?
a. August 22 b. August 23 c. August 24 a. Nepal b. India c. Sri Lanka a. Tamil Nadu b. Punjab c. Bihar
d. August 25 e. August 28 d. Bhutan e. China d. Gujarat e. Karnataka

40 Bankin Guru November 2017

28. Konsam Ormila Devi has bagged a
gold at 2017 Commonwealth Youth
weightlifting championships. She is
related to which weight category?
a. 44kg b. 57kg c. 64kg
d. 49kg e. 65 Kg
29. Which of the following airports has
bagged the National Award for
Excellence in Energy Management?
a. Chennai International Airport
b. Rajiv Gandhi International Airport
c. Chaudhary Charan Singh International
Airport
d. Vijayawada International Airport
e. IGI Airport
30. NITI Aayog has launched the National
Nutrition Strategy from which city?
a. New Delhi b. Lucknow c. Bhopal
d. Jaipur e. Bhopal
31. The Union government will organise
North-East Calling event in which city to
promote tourism of North-East India?
a. Guwahati b. Shillong c. Agartala
d. New Delhi e. Lucknow
32. Who is the author of the book How
India Sees the World: Kautilya to the 21st
Century?
a. Shiv Shankar Menon b. Shyam Saran
c. JJ Singh d. Ravi Shankar Prasad
e. Ritesh Raj
33. Which expert committee has
constituted by the NITI Aayog to provide
a major thrust to job creation by
enhancing Indias exports?
a. Raghav Yadav b. Milind Kumar
c. SK Jain d. Rajiv Kumar
e. Sanjay Kumar
34. The joint military training exercise
Yudh Abhyas 2017 will be conducted
between India and which country?
a. The USA b. Russia c. France
d. Germany e. Italy
35. Which countrys team has won the
2017 Under-16 South Asian Basketball
Championship?
a. Nepal b. India
c. Bhutan d. Bangladesh
e. China
36. What is the theme of the 2017 World
Suicide Prevention Day (WSPD)?
a. With Understanding New Hope
b. Connect, Communicate, Care
c. Light a Candle Near a Window
d. Take a Minute, Change a Life
e. Life, Hope, Light
37. The Punjab National Bank (PNB) has
signed an agreement with which telecom
company to roll out open mobile wallet
Speedpay?
a. Vodafone India b. BSNL
c. Reliance Jio d. Idea Cellular
e. Airtel
38. Rattihalli Nagendra Sudarshan, who
passed away recently, was the noted
personality of which field?
a. Politics b. Film Industry
c. Law d. Science
e. Sports
39. Which Indian university has been
named the top university in India,
according to 2018 Times Higher
Education (THE) World University
Rankings?
a. IIT-Kharagpur b. IIT-Kanpur
c. IISc-Bangalore d. IIT-Bombay
e. IFIM B School
40. The Food Safety and Standards
Authority of India (FSSAI) has launched
which online platform for food
inspection & sampling?
a. FaSCoRSi b. FiSCoRIS c. FoSCoRIS
d. FaSCoRSI e. FaSCIRS
Level 2
41. Consider the following statements
regarding 7th Asia-Europe Meeting
(ASEM) Economic Ministers Meeting :
1. The 7th ASEM Economic Ministers
Meeting was held in Seoul (South
Korea).
2. Theme for this years meeting was
Innovative Partnership for Inclusive
Prosperity.
3. The meeting was conducted under the
Chairmanship of the Ministry of Trade,
Industry and Energy of the Republic of
Korea.
Which of the above statement(s) is/are correct?
a. All of these b. Only 3 c. 2 and 3
d. 1 and 2 b. 1 and 3
42. Consider the following statements :
1. Saubhagya scheme was launched by
the Prime Minister Narendra Modi to
ensure electrifi cation of all willing
households in the country in rural as
well as urban areas.
2. Poor households would be provided
electricity connections free of cost.
3. Other households would also be
provided electricity connections under
the scheme on payment of ` 500 only
which shall be recovered by the
DISCOMs.
Which of the above statement(s) is/are correct?
a. All of these b. Only 3 c. 2 and 3
d. 1 and 2 e. 1 and 3
43. Consider the following statements
regarding e-pragati year :
1. The e-Pragati training programme is
for government officials to familiarise
and update new technologies.
2. e-Pragati is to be implemented in all
departments in Andhra Pradesh.
3. All the certificates and government
transactions would be made available
online.
Bankin Guru November 2017 41
Which of the above statement(s) is/are correct?
a. All of these b. Only 3 c. 2 and 3
d. 1 and 2 e. 1 and 3
44. Identify the correct statement :
a. ADB (Asian Development Bank) lowered
Indias growth projection to 7% for the
current financial year and 7.4 % for the
next financial year.
b. ADB attributes this downfall to
demonetisation and implementation of
Goods and Services Tax.
c. This was earlier predicted as 7.6% in April,
2017.
d. All of the above
e. None of the above
45. Consider the following statements :
1. Davinder Singh Kang from Punjab has
become the first Indian to qualify for
the final round of the javelin throw at
the IAAF World Athletics
Championships in London.
2. The 2017 IAAF World Championships
was the 16th edition of the global
athletics competition.
3. Kang won the bronze medal at the
2017 Asian Athletics Championships.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 3 e. All of these
46. Consider the following statements :
1. Deepika Arwind and K. Madavane
have won The Hindu Playwright
Award 2017 for their play In Search of
Dariya Sagar at the 13th edition of The
Hindu Theatre Fest in Mumbai.
2. In Search of Dariya Sagar is a play that
brings together public events and
private lives, political history and
personal memory, in a manner that
resonates both the real and the magical.
3. The Hindu Playwright Award
instituted in 2008 to reward the best
new unpublished and unperformed
play-script in English.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 3 e. All of these
47. Consider the following statements :
1. Dr. Ruth Pfau is a German doctor and
nun who dedicated her life to
eradicating leprosy in Pakistan, has
passed in Karachi (Pakistan) on August
10, 2017.
2. She was hailed as Pakistans Mother
Teresa after her work towards helping
people displaced by the 2010 Pakistan
floods.
3. Dr. Pfau trained Pakistani doctors and
attracted foreign donations, founded
Pakistans National Leprosy Control
Programme and the Marie Adelaide
Leprosy Centre, which has a presence
in every Pakistani province.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 1 e. All of these
48. Consider the following statements :
1. The International Maritime Search and
Rescue Exercise (IMMSAREX) will be
chaired by Bangladesh at the Indian
Ocean Naval Symposium (IONS) in
the Bay of Bengal in November, 2017.
2. The ships and aircraft of the members
and observers of the IONS including
China, India, Japan, United State of
America and Pakistan will participate
in the exercise.
3. The IONS is a regional forum of Indian
Ocean littoral States, represented by
their Navy chiefs, launched by India in
February, 2008.
Which of the above statements is/are correct?
a. 1 and 2 b. 2 and 3
c. 1 and 3 d. Only 2
e. All of these
49. Identify the correct statement :
a. ICICI Bank will partner with e-commerce
firms to provide automated payday
loan-type credit to customers at the
bottom of the digital pyramid.
b. The pay later facility will be available to
even those who have not availed any loan
in the past and for small amounts of up to
` 20000.
c. These borrowers (which is mention in
option b) should make a bullet repayment
after a month.
d. All of the above
e. None of the above
50. Consider the following statements
regarding the Economists annual global
liveability survey :
1. Sydney has been declared the worlds
most liveable city for the 7th
consecutive year by The Economists
annual global liveability survey,
despite soaring housing costs and
serious congestion challenges.
2. The annual survey assesses 140 cities
and ranks them according to their
stability, healthcare, culture and
environment, education and
infrastructure.
3. As per the survey, the least liveable city
was Damascus at 140th place, followed
by Lagos (139), Tripoli (138), Dhaka
(137), Port Moresby (136), Algiers (135),
Karachi (134), Harare (133), Douala
(132) and Kiev (131).
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 2 e. All of thesese
51. Platts Top 250 Global Energy
Company Rankings 2017 was released.
Choose the correct ranking position :
a. 1st rank was secured by Russian gas firm
Gazrpom.
b. 2nd rank was bagged by German utility
E.ON.
c. 3rd rank was obtained by Indian energy
producer, Reliance Industries Limited
(RIL). RIL has the worlds biggest refinery
complex.
42 Bankin Guru November 2017
d. Other Indian firms in the top of the list are
Indian Oil Corporation (IOC) in 7th position
and Oil and Natural Gas Corporation
(ONGC) in 11th position.
e. All of the above
52. Consider the following statements
regarding Central Board of Film
Certification (CBFC):
1. The CBFC is a statutory censorship
and classification body under the
Ministry of Information and
Broadcasting that regulated the public
exhibition of films under the
provisions of the Cinematograph Act.
2. The headquarters of CBEC is located at
Mumbai (Maharashtra).
3. Prasoon Joshi, the famous lyricist, is
the newly appointment chairperson of
the CBFC.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3
c. 1 and 3 d. All of these
e. None of these
53. PENCIL (Platform for Effective
Enforcement for No Child Labour) is an
electronic platform for no child labour.
Components of ENCIL portal was -
1. Child Tracking System
2. Complaint Corner
3. State government
4. National Child Labour Project
5. Convergence.
Code
a. 1 and 2 b. 3 and 2 c. 4 and 5
d. 1,2,3 and 4 e. All of these
54. Identify the correct statement :
a. State Bank of India (SBI) reduced service
charges for not maintaining monthly
average (MAB).
b. The minimum balance requirement in
metro centres are reduced to ` 3000.
c. The charges for not maintaining MAB at
semi-urban and rural centres vary from
` 20 to ` 40.
d. The charges for not maintaining MAB at
urban and metro centres vary from ` 30 to `
50.
e. All of the above
55. Consider the following statements :
1. The Information and Broadcasting
(I&B) Ministry has constituted a
technical committee for the 48th
International Film Festival of India
(IFFI), which is proposed to be held
from November 20-28, 2017 in Goa.
2. The technical committee will have 12
members and will be chaired by
Piyush Pandey.
3. The I&B ministry has also constituted a
steering committee which will have 13
members, including film director
Nagesh Kukunoor, lyricist Prasoon
Joshi, Jahnu Barua (convener), Piyush
Pandey, creative director of Ogilvy &
Mather (India), and film director and
producer Shoojit Sarcar.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3
c. 1 and 3 d. All of these
e. None of these
56. Consider the following statements :
1. Para Athlete Devendra Jhajharia and
Hockey player Sardar Singh have been
selected for the 2017 Rajiv Gandhi Khel
Ratna Award.
2. Cricketer Cheteshwar Pujara, Women
Cricketer Harmanpreet Kaur and
shooter PN Prakash are among the 17
sportsmen who will be given Arjuna
Awards for their outstanding
performance.
3. Eleven persons have been chosen for
Dronacharya Awards for producing
medal winners at prestigious
International sports events in 2017.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 2 e. All of these
57. Consider the following statements :
1. In a landmark decision, the Supreme
Court has declared right to privacy a
fundamental right under the
Constitution .
2. A nine-judge Constitution bench
headed by Chief Justice JS Khehar
ruled that right to privacy is an
intrinsic part of Right to Life and
Personal Liberty under Article-21 and
entire Part III of the Constitution.
3. The nine judges unanimously
overruled the two earlier judgements
of the apex court that right to privacy is
not protected under the Constitution.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 3 e. All of these
58. Consider the following statements :
1. Lewis Hamilton, a British racing driver
who races in Formula One for the
Mercedes AMG Petronas team, has
won the 2017 (Belgian) Grand Prix at
the Circuit de Spa-Francorchamps in
Stavelot, Belgium on August 27, 2017.
2. Justice Dipak Misra has been sworn-in
as the new Chief Justice of India (CJI)
and will have tenure of nearly 13
months. He succeeded Chief Justice JS
Khehar.
3. The Spice Digital Limited (SDL) has
received the final licence from the
Reserve Bank of India (RBI), to process
bill payments as a Bharat Bill Payment
Operating Unit (BBPOU) in the Bharat
Bill Payment System (BBPS).
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. All of these e. None of these
59. Consider the following statements :
1. The International Commodity
Exchange (ICEX) has become the
worlds first derivatives exchange to
launch diamond futures contract.
2. This will create an entirely new market
for the diamond players where sellers
can deliver their certified diamonds to
different buyers.
3. Over 100 members and around 4000
clients have registered with the
exchange. The exchange will offer a
fair, transparent and nationwide
market, bringing in large market
participation into diamond trade.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 3 e. All of these
60. Consider the following statements
regarding MoU of India and Switzerland
1. India and Switzerland have signed two
pacts for technical cooperation in the
field of Railways after delegation level
talks between Prime Minister
Narendra Modi and visiting President
of Swiss Confederation Doris Leuthard
in New Delhi.
2. The aim of pacts is to cooperate in the
areas of traction rolling stock, EMU
and Train sets, traction propulsion
equipments, freight and passenger
cars, etc.
3. The visit is significant as Switzerland is
the chair of the Nuclear Suppliers
Group (NSG) where India has been
seeking membership.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 3 e. All of these
61. Consider the correct statements
regarding Rajiv Kumar:
1. Rajiv Kumar has take over charge as
the new Vice-chairman of government
think tank Niti Aayog. He replaced
Indian-American economist Arvind
Panagariya who left the think tank to
return to academia.
2. Rajiv Kumar served as Secretary
General of industry association, FICCI.
He was a member of the National
Security Advisory Board (NSAB)
between 2006 and 2008.
3. He also served as the Chief Economist
of the Confederation of Indian
Industries (CII) and held senior
positions in the Asian Development
Bank, the Indian Ministry of Industries,
and the Ministry of Finance.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 2 e. All of these
62. Consider the following statements :
1. JY Pillay, an Indian-origin veteran civil
servant, has been appointed as the
acting President of Singapore.
2. He succeeded Tony Tan Keng Yam,
who completed a six-year term.
3. According to the report, this is the first
time the office has fallen vacant since
the elected presidency was introduced
in 1991.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3
c. 1 and 3 d. Only 3
e. All of these
63. Consider the following statements
regarding Nirmala Sitharaman :
1. Nirmala Sitharaman has been
appointed as the new Union Minister
of Railways after latest Union cabinet
reshuffle on September 3, 2017.
2. Nirmala Sitharaman, the former
Minister of State for the Commerce
and Industry Ministry, has become the
new Defence Minister of India on
September 3, 2017 after latest Union
cabinet reshuffle.
3. She is Member of Parliament (MP) in
Rajya Sabha representing the State of
Karnataka. Now, Suresh Prabhu has
become the new Union Minister of
Commerce and Industry.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3 c. 1 and 3
d. Only 2 e. All of these
64. Consider the following statements :
1. SBI launched its 6th branch in Ang Mo
Kio area of Singapore.
2. SBI already has branches in Marine
Parade, Jurong, Little India etc. in
Singapore.
3. About 80 % of SBIs Sinagpore
customers are Chinese and the rest are
high networth Indians.
Which of the above statement(s) is/are correct?
a. 1 and 2 b. 2 and 3
c. 1 and 3 d. Only 2
e. All of these
65. Consider the following statements :
1. Banaj Devi, famous Odia poet and
short story writer is to be awarded
Sarala award for her short story
compilation Kathapua
2. The annual Sarala Puraskar award is
one of the prestigious literary awards
of Odisha.
3. The awards are given away by Indian
Metals Public Charitable Trust
(IMPaCT).
Which of the above statement(s) is/are correct?
a. All of these b. Only 3
c. 2 and 3 d. 1 and 2
e. 1 and 3
66. SBI (State bank of India) launched a
Chatbot (chat assistant) to respond and
answer customer enquiries. Choose
correct statements :
a. The chat assistant is named as SBI
Intelligent Assistant (SIA).
b. It uses Artificial Intelligence technology.
c. It will help customers with everyday
banking tasks, like a bank representative.
d. Payjo, an Artificial Intelligence Banking
Platform developed the Chatbot in
collaboration with SBI.
e. All of the above
Bankin Guru November 2017 43
67. Ministry of Rural Development
conducted an event named Bharat ke
Kaushalzaade, to honour beneficiaries of
its skill development programmes, at
Vigyan Bhawan, New Delhi. Consider
the correct statements :
a. Beneficiaries of Deen Dayal Upadhyaya
Grameen Kaushalya Yojana (DDU-GKY)
and Rural Self Employment Training
Institutes (RSETI) were honoured.
b. Under DDU-GKY scheme 5.05 lakh rural
candidates have been given skill
development.
c. Under RSETI scheme 14.09 lakh
candidates have been given skill
development.
d. All of the above
e. None of the above
68. Renowned Marathi author and
senior journalist, Arun Sadhu passed
away. Choose the correct statements
regarding him :
a. He won the Sahitya Academy award.
b. He has written on rise of Shiv Sena,
Vietnam War and Chinese revolution and
also written several short stories.
c. He has won several awards including
Bharatiya Bhasha Parishad, NC Kelkar
and Acharya Atre award.
d. All of the above
e. None of the above
69. Choose correct the statements
regarding Pradhan Mantri LPG
Panchayat :
a. Pradhan Mantri LPG Panchayat will focus
on spreading awareness among LPG
users about the proper use and benefits of
LPG.
b. This Panchayat will act as an interactive
forum for Pradhan Mantri Ujjwala Yojana
beneficiaries, officials, LPG distributors
and Non-Governmental Organisations
(NGOs).
c. Under one Panchayat, around 100 LPG
customers will be clubbed.
d. All of the above
e. All None of the above
70. Consider the following statements
Sampurna Yojana :
1. Under the Sampurna Yojana scheme
Odisha government will provide
` 1000 as transport cost for pregnant
women to travel to the hospital from
inaccessible areas arranging their own
vehicles.
2. This schemes covers villages where 102
108 ambulances or four-wheeler
vehicles cannot reach.
3. The government has launched this
scheme to increase institutional
deliveries in order to reduce Infant
Mortality Rate (IMR) and Mother
Mortality Rate (MMR).
Which of the above statement(s) is/are correct?
a. All of these b. Only 3
c. 2 and 3 d. 1 and 2
e. 1 and 3
71. Consider the following statements 2. His term was for three years, which a. Rio Olympics Silver medallist PV Sindhu
regarding Asima Chatterjee : was to end on October 16. from India has won the 2017 womens
3. Subramanian, a Senior Fellow at the singles title at the Korea Open Super
1. Google Doodle celebrates 100th Series badminton tournament .
birthday of a renowned Indian chemist Peterson Institute for International
Economics, was appointed Indias b. PV Sindhu defeating Nozomi Okuhara of
Asima Chatterjee.
Chief Economic Adviser (CEA) in Japan in three sets at Seoul in South
2. She was also the first female Doctorate Korea.
of Science in India from an Indian October, 2014.
c. With this, Sindhu has become the first
University. Which of the above statement(s) is/are correct? Indian to win the Korea Super Series
3. She had received several awards from a. All of these b. Only 3 c. 2 and 3 crown. It is also her third super series title
the Indian government, including d. 1 and 2 e. 1 and 3 of her career.
some of the highest awards like the 76. Consider the following statements d. All of the above
Padma Bhushan and an appointment regarding The book titled The Shershah e. None of the above
to the upper house of Parliament. of Kargil :
Which of the above statement(s) is/are correct?
80. Consider the following statements :
1. The book written by Deepak Surana is 1. The National Engineers Day (NED) is
a. All of these b. Only 3 c. 2 and 3 an inspiring story of the young captain
d. 1 and 2 e. 1 and 3 celebrated every year on September 15
Vikram Batra, which defines the in India as a remarkable tribute to the
various dimensions of Captain Batras greatest Indian Engineer Bharat Ratna
72. Consider the following statements :
life.
1. The Reserve Bank of India (RBI) Mokshagundam Visvesvaraya.
2. The Shershah of Kargil: Biography of 2. He was not only known for his
announced that Masala bonds will be
Kargil War Hero Vikram Batra is a contributions in the field of
treated as External Commercial
motivational story of young Captain engineering but was also called the
Borrowings (ECB).
Vikram Batra who was killed in the precursor of economic planning in
2. Considering Masala bonds as ECBs Kargil war by Deepak Surana.
will free up more investments by FPIs India, according to the Institution of
3. This book highlights the various Engineers India (IEI).
(Foreign Portfolio Investors).
aspects of life of Captain Vikram Batra, 3. The 2017 theme is Role of Engineers in
3. Masala bonds are rupee-denominated the victor of Param Vir Chakra.
overseas bonds. a Developing India.
Which of the above statement(s) is/are correct? Which of the above statement(s) is/are correct?
Which of the above statement(s) is/are correct? a. All of these b. Only 3 c. 2 and 3
a. All of these b. Only 3 c. 2 and 3 a. All of these b. Only 3 c. 2 and 3
d. 1 and 2 e. 1 and 3 d. 1 and 2 e. 1 and 3
d. 1 and 2 e. 1 and 3
77. Consider the following statements :
73. Consider the following statements : 1. Sri Lanka has qualified for the ICC Answers
1. State Bank of India (SBI) launched its Cricket World Cup 2019 after West
6th Management Training Institute in Indies lost the first ODI against 1. (c) 2. (b) 3. (d) 4. (e) 5. (a)
Kolkata. England at Old Trafford on September 6. (c) 7. (d) 8. (a) 9. (b) 10. (b)
2. It is named as State Bank Institute of 19, 2017. 11. (e) 12. (d) 13. (b) 14. (a) 15. (c)
Management (SBIM). 2. With this, Sri Lanka has become the 16. (d) 17. (d) 18. (a) 19. (d) 20. (a)
3. It was launched by SBI Chairman eighth and last team to qualify directly, 21. (a) 22. (d) 23. (b) 24. (b) 25. (d)
Arundhati Bhattacharya. joining Australia, Bangladesh, 26. (b) 27. (d) 28. (a) 29. (b) 30. (a)
4. Aim of the institute is to form an England, India, New Zealand, Pakistan 31. (d) 32. (b) 33. (d) 34. (a) 35. (b)
institution of global standards in and South Africa. 36. (d) 37. (b) 38. (b) 39. (c) 40. (c)
banking and finance. 3. ICC Cricket World Cup 2019 will be 41. (a) 42. (a) 43. (a) 44. (d) 45. (e)
Which of the above statement(s) is/are correct? played in United Kingdom (UK) from 46. (b) 47. (e) 48. (c) 49. (d) 50. (c)
a. 1 , 2 and 3 b. 3 and 4 c. 2 and 3 May 30 to July 15, 2019. 51. (e) 52. (d) 53. (e) 54. (e) 55. (c)
d. All of these e. 1, 3 and 4 Which of the above statement(s) is/are correct? 56. (a) 57. (d) 58. (d) 59. (b) 60. (e)
a. All of these b. Only 3 61. (e) 62. (e) 63. (b) 64. (e) 65. (a)
74. Consider the following statements : c. 2 and 3 d. 1 and 2 66. (e) 67. (d) 68. (d) 69. (d) 70. (a)
1. Insurance regulator IRDAI has formed e. 1 and 3 71. (a) 72. (a) 73. (d) 74. (a) 75. (a)
a ten-member committee to help in 76. (a) 77. (a) 78. (d) 79. (d) 80. (a)
implementing the new Risk-Based 78. The Jharkhand government has
Capital (RBC) regime and it will also launched the Shaheed Gram Vikas
enhance protection to policyholders. Yojana at Ulihatu in Khunti district of
Jharkhand. Consider the correct
2. The committee will be headed by
statements regarding this :
IRDAI Member (Actuary), Pournima
Gupte. a. Ulihatu is the birthplace of Jharkhands
tribal icon Birsa Munda.
3. Other nine members of the committee
b. The purpose of the scheme is to develop
include four IRDAI officials. villages of freedom fighters in the State.
Which of the above statement(s) is/are correct? c. Under this scheme, villages of many tribal A Perfect Combination
a. All of these b. Only 3 freedom fighters will be developed and of Reference Guide
c. 2 and 3 d. 1 and 2 their habitats will be provided basic and Practice Material
e. 1 and 3 amenities. Alphabetically
d. All of the above Organised and Easy
75. Consider the following statements
e. None of the above to Refer
regarding Arvind Subramanian :
1. The government has extended the 79. Choose the correct statements
term of Chief Economic Adviser regarding 2017 womens singles Korea
Arvind Subramanian by one year till Open Super Series badminton
October, 2018. tournament :

44 Bankin Guru November 2017

 MOCK PAPER -6
ONLINE EXAM OCTOBER 7/8 and 14/15, 2017
Institute of Banking Personnel Selection
IBPS
( )
PO/MT
Pre. Phase I Online Exam 2017
General Instructions
l
This crack set consists of 100 questions in three parts.
l
All questions are compulsory.
l
Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.
Do not spend too much time on any question.
Time 60 Min.
Part Subject
I English Language
II Quantitative Aptitude
III Reasoning Ability
Part I English Language
Directions (Q.Nos. 1-10) Read the following passage
carefully and answer the questions given below. Certain
words have been given in bold to help you locate them
while answering some of the questions.
Mercy killing is the act of killing someone painlessly
especially to relieve someone suffering from an incurable
illness. It is also known as Euthanasia. It came from the
Greek words, Eu (good) and Thanatopsis (death), but it
relates to most painful and enigmatic question for the
terminally ill patients, be its Cancer, AIDS, accidental or
traumatic coma and innumerable uncurable diseases,
waiting for the end of come but the end is not so easy its
quite painful. The quality of life, in such a serious critical
conditions is bleak, caregivers stress is also
insurmountable and the only prayer is that DEATH should
embrace the patient in good grace for an eternal peaceful
abode. In such a situation, if the death is not imminent but
sure, the question arises why not the patient is artificially
induced for a death, of course medically.But currently there
are cases of misuse of euthanasia, for example in cases
where the patient is pressured by family members to give
consent to the ending of their lives.
The legalisation of voluntary euthanasia provides an
opportunity for safeguards against just such a situation and
other instances of coercion and fraud. Mercy Killing is
legally punishable and religiously a sin however worst may
be the condition of the patient. In addition, doctors are
afraid to openly discuss end-of-life decisions with patients
due to illegalities.
Max. Marks 100
Number of Questions
30
35
35
This prevents an open and honest relationship between
doctor and patient in which the doctor can discover the
patients wishes regarding his/her own life and death. Thats
why in every medical centre, there is statuary warning that
the physicians concerned will not reveal the gender to the
patient. Because most of the Indian families sais to have a
dislike for female child.
A simple scan if reveals a viable female foetus and they
presumably run for abortion, with the medical aid or illegally
with the help of quacks to imperil both the lives.
The most important question is here whether the too
terminally ill, with the pain which cannot be described in
words, should they live waiting for the death to grace or can
euthanasia be legally permitted for the embrace death with
dignity. The government of India is against bringing any laws
on mercy killings.
The Supreme Court bench however had stated while writing
the judgementIf we leave it solely to the patients relatives
or to the doctors or the next friend to decide whether to
withdraw life support to an incompetent person, there is
always a risk in our country that this may be misused by
some unscrupulous persons who wish to inherit or
otherwise grab the property of the patient.
Considering the low ethical levels prevailing in our society
today and the rampant commercialisation and corruption,
we cannot rule out the possibility that unscrupulous persons
with the help of some unscrupulous doctors may fabricate
material to show that it is a terminal case with no chance of
recovery.
Bankin Guru November 2017 45
1. Which of the following best describes Mercy Killing? 10. Find a word from the passage that means
a. It is the homicide of a member of a family or social group or Flourishing or Spreading unchecked.
other members. a. Multiplying b. Resting c. Reproducing
b. The unlawful killing, with malice of another human. d. Rampant e. Recurrent
c. Its harmful, irrational and regrettable killing of a member of a Directions (Q.Nos. 11-15) In each of the following
family.
sentences there are blank spaces. Below each sentence
d. The act of putting to death painlessly by withholding medical
measures from a person suffering from an incurable or painful there are five pairs of words denoted by the letter (a), (b),
condition. (c), (d) and (e). Find out which pair of words can fill up
e. All of the above the blanks in the sentence in the same sequence to
make it grammatically correct.
2. Which of the following depicts the importance of
mercy killing? 11. A new-born infants skills are not fully ,
1. It maintains family honour. for it cannot discern images more than 10 inches away.
2. Because its inhuman to put patients through the a. perceptual; stimulated b. visual; developed
c. descriptive; ripened d. olfactory; shared
suffering that is the direct result of their illness. e. average; familiar
3. Its extremely secret and discrete in nature.
a. Only 1 b. Only 2 c. Only 3 12. In a society that abhors , the non-conformist
d. 2 and 3 e. All of these is persistently .
3. In the context of the given passage which of the a. creativity; glorified b. rebelliousness; suppressed
c. insurgency; heeded d. smugness; persecuted
following is the last option for those suffering from e. stagnation; denigrated
incurable diseases?
a. Prayer for his/her DEATH. 13. Only if business continues to expand can it
b. Assist in suicide. enough new jobs to make up for those that will be
c. Must be provided better treatment. by automation.
d. Their relative should appeal in the Supreme Court against the a. produce; required b. invent; introduced
law of mercy killing. c. create; eliminated d. repeal; reduced
e. One should stop to give food and water to a patient in e. formulate; engendered
vegetative state.
14. While the technology and state of knowledge in
4. Why is the Supreme Court against the mercy medicine allows the gadgets to data and give
killing? recommendation, it will be while before we are ready
1. Because its against the religion. to doctors for serious illnesses.
2. The case of suicide will definitely increase. a. estimate; credit b. evaluate; credence
3. It cant be legalised. c. analyse; trust d. describe; distrust
e. figure out; confidence
4. It can be misused by scrupulous person for
grabbing the property of the patient. 15. However, Digital India will not happen even if
a. Only 1 b. Only 2 c. Only 3 d. Only 4 e. 1 and 2 the is in place unless equal is paid to what
5. Complete the following given sentence in the is made available at the end of the pipeline.
context of the passage. a. framework; thinking b. infrastructure; attention
c. groundwork; scrutiny d. backbone; indifference
Mercy killing is legally and religiously a e. support; thought
however worst may be the condition of the patient. Directions (Q.Nos. 16-20) Read each sentence to find out
a. criticised; need b. valid; boon c. punishable; sin
whether there is any grammatical error in it. The error if
d. favourable; void e. appreciated; pathetic situation
any will be in one part of the sentence, the letter of that
6. Mercy killing is also known as part will be the answer. If there is no error, the answer is
a. Amnesia b. Euthanasia c. Dyspesia (e) i.e. No error. (Ignore the errors of punctuation, if any)
d. Dystexia e. None of these
16. It was an evening of (a)/fun and frolic as the citys
Directions (Q.Nos. 7-8) Which of the following words is glitterati (b)/and high profile businessmen made sure
most similar in meaning to the word given in bold as (c)/that they didnt miss the show. (d) No error (e)
used in the passage?
17. Results founding that boys not only (a)/play more
7. Enigmatic than girls, but (b)/they start earlier, an outcome that
a. Unexplainable b. Known c. Plain (c)/could be clearly related to a cultural influence. (d)
d. Clear e. Mild No error (e)
8. Imperil 18. Videogames may not (a)/necessarily adversely
a. Counterfeit b. Attainable c. Custodian affect (b)/the academic results in children (c)/contrary
d. Invincible e. Endanger to most parentss perception. (d) No error (e)
9. What is the opposite of the word Caregiver as 19. Celebrities showed their childlike side
used in the passage? (a)/yesterday, as most turn up wearing (b)/cartoon
a. Imposter b. Dependent c. Uncontrolled T-shirts for the screeing of (c)/the latest animated film
d. Nurse e. Answerable in town. (d) No error (e)

46 Bankin Guru November 2017

20. The study focusing exclusively to (a)/critically ill 24. Which of the following should be the FIRST
children found that children with chronic illnesses sentence after rearrangement?
(b)/especially respiratory illnesses, are most likely (c)/ a. A b. B c. C
to develop influenza that requires critical care. (d) d. D e. E
No error (e) 25. Which of the following should be the THIRD
Directions (Q.Nos. 21-25) Rearrange the following six sentence after rearrangement?
sentences A, B, C, D, E and F in the proper sequence to a. A b. B c. C
form a meaningful paragraph, then answer the questions d. D e. F
given below them.
Directions (Q. Nos. 26-30) In the following passage,
A. While the reference point for the former is the state, for
some of the words have been left out, each of which is
the latter its society.
indicated by a number. Find the suitable word from the
B. Indias strategic community comprises two distinct
circles with little overlap.
options given against each number and fill up the blanks
with appropriate words to make the paragraph
C. Consequently, mainstream strategists have an external
orientation to their discourse, concentrating on high meaningfully complete.
politics; the latter is more internal oriented. Plants, insects, bacteria, fungi and other organisms are a
D. Their prescriptions too are understandably poles apart natural part of the environment. Some can (26) people,
and thus, the state, to which both their commentary is while others can be pests that you may need or want to
directed, has to play balancer, and ends up being at the control. You can choose from (27) different methods to
receiving end of criticism from both sides. control a pest. One method is to use a pesticide. A pesticide
E. Out of the two, one can be termed the mainstream is any substance or mixture of substance used to destroy,
and the other alternate. suppress or alter the life (28) of any pest. A pesticide can be
a naturally derived or synthetically produced (29). A
F. To further elaborate on the external and
pesticide can also be (30) organism, for example, the
internal conceptwhile one is enamoured of
bacterium Bacillus thuringiensis which is used to control a
Indias rise and place in the global order, the other is
number of insect pests, or even a genetically modified crop.
more sensitive to its vulnerabilities and inadequacies.
21. Which of the following should be the FOURTH 26. a. benefits b. benefitted c. benefit
d. fit e. fits
sentence after rearrangement?
a. E b. D c. C d. B e. A 27. a. many a b. many c. any d. an e. the

22. Which of the following should be the SIXTH 28. a. cycles b. cycled c. psyche
sentence after rearrangement? d. cycle e. cyclone
a. A b. B c. C d. D e. E 29. a. substance b. substances c. substitute
23. Which of the following should be the SECOND d. substituted e. substrate
sentence after rearrangement? 30. a. a b. the c. an d. one e. ones
a. E b. D c. C d. B e. A

Part II Quantitative Aptitude

Directions (Q. Nos. 31-35) Find out the approximate The Percentage Number of Students in Three Different
value which should replace the question marks in the Disciplines (Science, Arts and Commerce) in a Certain
following questions. (You are not expected to find out the College for the Period 2011-16
exact value) Commerce Arts Science
120
Percentage of Students

31. 623898 99 = ? 60000 100

a. 1000 b. 1030 c. 1080 d. 1065 e. 1010 25
30 30
80 40 40
32. 1
624. 9995 + ( 4. 9989 ) = ?
2 60
4. 9900865 60 30 20
20 40 25
a. 6 b. 50 c. 10
40
d. 125 e. 15 15
45 50
20 40
33. 564. 666 + 82. 5091 44. 581 34.111 = ? 25 30 35

a. 28450 b. 4000 c. 1600 d. 14225 e. 4210 0

2011 2012 2013 2014 2015 2016
34. (47% of 1442 36% of 1412) 63 = ? Years
a. 7 b. 5 c. 3 d. 9 e. 1
36. The total number of students in Arts discipline in
35. ( 341789 + 265108 ) ( 8936 3578 ) = ? the year 2013 was 300 and that in Commerce discipline
a. 150 b. 113 c. 135 d. 100 e. 125 in the year 2015 was 405. What was the difference
between the total number of students in the year 2015
Directions (Q. Nos. 36-40) Study the following graph and the total number of students in the year 2013.
and answer the questions given below.
a. 90 b. 125 c. 150 d. 180 e. 200

Bankin Guru November 2017 47

37. What is the maximum difference between the 47. In management profession three-fourth of the
number of students in Arts discipline for the given number of employees are female. What is the number
period for any two years? of male employees in management profession?
a. 20 b. 25 c. 30 a. 1239 b. 1143 c. 1156 d. 1289 e. 1139
d. 35 e. Data inadequate
48. 25% of employees from film production
38. If the number of students in Arts discipline in the profession went on a strike. What is the number of
year 2011 and 2015 was equal to 360 each, then in employees from film production who have not
year 2015 the number of Commerce students is what participated in the strike?
percentage of the number of Commerce students in a. 3271 b. 3819 c. 3948 d. 1273 e. 1246
the year 2011?
a. 75 b. 90 c. 120 d. 125 e. 70
49. What is the total number of employees in
engineering profession and industries together?
39. If the number of Commerce students in the year a. 5698 b. 5884 c. 5687 d. 5896 e 5487
2012 and 2014 is equal to 560 each, then what is the
50. In teaching profession if three-fifth of the
ratio of Arts students in the year 2012 to that in 2014?
teachers are not permanent, what is the number of
a. 4 : 5 b. 5 : 9 c. 4 : 7 d. 7 : 10 e. 9 : 16
permanent teachers in the teaching profession?
40. If the number of Science discipline students in a. 1608 b. 1640 c. 1764 d. 1704 e. 1686
the year 2013 and 2016 was 390 and 450 respectively, Directions (Q.Nos. 51-55) In each of the following
then the number of Commerce students in 2013 is questions, two equations are given. You have to solve
what percentage more than the number of Arts these equations and give answer
students in 2016? a. if x< y
b. if x> y
a. 10% b. 15% c. 20% d. 25% e. 30% c. if x= y or relation cannot be established
Directions (Q.Nos. 41-45) What should come in place d. if x y
e. if x y
of the question marks in the following number series?
51. I. x 2 24 x + 144 = 0 II. y 2 26 y + 169 = 0
41. 9, 62, ?, 1854, 7415, 22244
a. 433 b. 309 c. 406 52. I. 2 x 2 + 3 x 20 = 0 II. 2 y 2 + 19 y + 44 = 0
d. 371 e. None of these
53. I. 6 x 2 + 77 x + 121 = 0 II. y 2 + 9 y 22 = 0
42. 4, 8, 24, 60, ?, 224 54. I. x 2 6 x = 7 II. 2 y 2 + 13 y + 15 = 0
a. 178 b. 96 c. 109 d. 141 e. 124
55. I. 10 x 2 7 x + 1 = 0 II. 35 y 2 12 y + 1 = 0
43. 8000, 1600, 320, 64, 12.8, ?
a. 2.56 b. 3.5 c. 3.2 d. 2.98 e. 1.25 56. In a class, there are 32 boys and 28 girls. The
average age of the boys in the class is 14 year and the
44. 6, 9, 15, 27, 51, ? average age of the girls in the class is 13 year. What is
a. 84 b. 99 c. 123 d. 75 e. 68 the average age of the whole class? (Rounded off to
two digits after decimal.)
45. 120, 320, ?, 2070, 5195, 13007.5
a. 13.50 yr b. 13.53 yr c. 12.51 yr
a. 800 b. 920 c. 850 d. 900 e. 820 d. 13.42 yr e. 13.58 yr
Directions (Q. Nos. 46-50) Study the following pie-chart 57. In a test consisting of 80 questions carrying one
and answer the following questions. mark each. Arpita answers 65% of the first 40
Percentage-wise Distribution of Employees in questions correctly. What percent of the other 40
Six Different Professions
questions does she need to answer correctly to score
Total Number of Employees = 26800
75% on the entire test?
Management Engineering a. 60 b. 80 c. 75 d. 40 e. 85
17% 9%
Teaching
58. Mr Saxena started a business investing ` 5000.
15% Four months later Mr Jain joined the business by
Industries
13% Film investing ` 9000. If the profit at the end of the year
Production was ` 22000, then how much amount would Mr Jain
Medical
19% have received as the profit?
27% a. ` 16000 b. ` 14000 c. ` 12000
d. ` 11000 e. ` 15000

46. What is the difference between the total number 59. A person bought two bicycles for ` 1600 and sold
of employees in teaching and medical profession the first at 10% profit and the second at 20% profit. If
together and the number of employees in he sold the first at 20% profit and the second at 10%
management profession? profit, he would get ` 5 more.The difference in the
a. 6770 b. 7700 c. 6700 cost price of the two bicycles was
d. 7770 e. 7670 a. ` 25 b. ` 75 c. ` 50 d. ` 40 e. ` 70

48 Bankin Guru November 2017

60. Divide ` 2602 between X and Y, so that the 63. Tea worth ` 126 per kg and ` 135 per kg are
amount of X after 7 year is equal to the amount of Y mixed with a third variety in the ratio 1 : 1 : 2. If the
after 9 year, the interest being compounded at 4% per mixture is worth ` 153 per kg, the price of the third
annum, variety per kg will be
a. ` 1352, ` 1250 b. ` 1400, ` 1350 c. ` 1415, ` 1300 a. ` 169.5 b. ` 170.0 c. ` 175.5
d. ` 1500, ` 1450 e. ` 1600, ` 1002 d. ` 180.0 e. ` 185.0
61. A train overtakes two persons walking along a 64. 6 men can do a piece of work in 12 days while 8
railway track. The first one walks at 4.5 km/h and the women can do the same work in 18 days. The same
other one walks at 5.4 km/h. The train needs 8.4 work can be done by 18 children in 10 days. 4 men, 12
second and 8.5 second respectively, to overtake them. women and 20 children work together for 2 days. If
What is the speed of the train, if both the persons are only man have to complete remaining work in 1 day,
walking in the same direction as the train? then find the required number of men.
a. 66 km/h b. 72 km/h c. 78 km/h a. 36 b. 24
d. 81 km/h e. 90 km/h c. 18 d. 28
e. 22
62. From 4 children, 2 women and 4 men, 4 persons
are selected. The probability that there are exactly 2 65. If the sum of the lengths of the diagonals of a
children among the selected persons, is rhombus is 10 m and if its area is 9 m 2 . Then, what is
a.
11
b.
9
c.
10 the sum of squares of the diagonals?
21 21 21 a. 36 m 2 b. 64 m 2
5 1 c. 80 m 2 d. 100 m 2
d. e.
21 21 e. 50 m 2

Part III Reasoning Ability

Directions (Q.Nos. 66-70) In each of the questions II. Some yys are dcs.
below is given three statements followed by four III. No acs is ecs.
conclusions I, II, III and IV. You have to take the given IV. All dcs being acs is a possibility.
statements to be true even if they seem to be at variance a. I and III follow b. Only II follows
from commonly known facts. Read all the conclusions c. I and II follow d. II and either I or III follow
and then decide which of the given conclusions logically e. Either I or III and II and IV follow
follows from the given statements disregarding 69. Statements Some newspapers are radios.
commonly known facts.
Some radios are televisions.
66. Statements All blondes are beautiful. No television is a magazines.
All brunnettes are beautiful. Conclusions I. No newspaper is a magazines.
All brunnettes are cute. II. All radios are magazines.
Conclusions I. At least some cute are beautiful. III. Some radios are not magazines.
II. Some blondes are definitely cute. IV. Some newspapers being televisions is
III. All blondes are brunnettes. a possibility.
IV. Some brunnettes are not cute. a. III and IV follow b. Only III follows c. Either I or II follows
a. Only I follows b. Only II follows d. I and II follow e. Only II follows
c. Only III follows d. Either II or III follows 70. Statements All crooks are simple.
e. Only I follows
Some simple are intelligent.
67. Statements No killer is a sweater. All intelligent are fools.
No jacket is a sweater. Conclusions I. Some fools being crooks is a possibility.
Some jackets are roses. II. No fool is simple.
Conclusions I. At least some roses are sweaters. III. At least some simple are fools.
II. Some roses are not sweaters. IV. All intelligent are simple.
III. No killer is a jacket. a. None follows b. Either I or II follows
IV. At least some jackets are killers. c. I and III follow d. III and IV follow
a. Either I or II and III follow e. II and IV follow
b. Either III or IV and II follow Directions (Q. Nos. 71-73) Read the following
c. Either II or III follows
d. Either I or II and either III or IV follow
information carefully to answer the questions that follow.
e. Only I follows A family consists of six members A, B, C, D, E and F. B is
the son of C but C is not the mother of B. A and C are married
68. Statements All acs are dcs. couple. E is the brother of C. D is the daughter of A and F is
Some dcs are ecs. the brother of A. G is the father-in-law of A. B is grandson of H.
All ecs are yys. 71. Who is the brother-in-law of A?
Conclusions I. At least some acs are ecs. a. F b. B c. E d. D e. C

Bankin Guru November 2017 49

72. Who is the mother of E? 80. Which of the following represents persons seated
a. A b. H c. D d. B e. C at the two extreme ends of the line?
a. P, V b. Y, S c. R, V d. Y, P e. R, Y
73. How is D related to E?
a. Son b. Nephew c. Daughter 81. How many persons are seated between R and T?
d. Niece e. Brother a. One b. Two c. Three
d. Four e. None of these
Directions (Q.Nos. 74-78) In the following questions,
the symbols , , %, # and @ are used with the 82. If P is related to Q and S is related to T is a certain
following meaning as illustrated below. way, to which of the following would V be related to
P % Q means P is neither greater than nor equal to Q. following the same pattern?
P Q means P is neither smaller than nor equal to Q. a. Y b. P c. R d. S e. X
P @ Q means P is not greater than Q.
P Q means P is not smaller than Q. 83. Who amongst the following sits exactly in the
P # Q means P is neither greater than nor smaller than Q. middle of the persons who sit second from the left
Now, in each of the following questions assuming the given and the person who sits fifth from the right?
statements to be true, find which of the four conclusions I, II, a. V b. Q c. T d. S e. P
III and IV given below them is/are definitely true and give your
answer. Directions (Q. Nos. 84-88) Study the following
information carefully and answer the given questions
74. Statements RT, T M, M % K, K @ V following it.
Conclusions I. V M II. V T A, B, C, D, E, F, G and H are eight players associated with
III. M % R IV. K R two gradesNational or International. Among them four are
a. I and II are true. b. I and III are true. National players, while others are International players. Four
c. II and IV are true. d. I, III and IV are true. are associated with cricket, while others are associated with
e. None of the above badminton.
75. Statements H J, J # N, N @ R , R W According to their plan they started a journey in a van.There
were eight seats in the van, two seats in each row. Two
Conclusions I. W % N II. W % H persons occupied seats in each row. No two cricketers
III. R # J IV. R J occupied seats in the same row. Similarly, no two national
a. Only I is true. b. Only II is true. c. Only III is true. players occupied seats in the same row.
d. Only IV is true. e. Either III or IV is true. (i) A and D are associated with the same grade, while A
and G are associated with the same game. But B and D
76. Statements B @ D , D F , F % M , M N are not associated with the same game.
Conclusions I. B % F II. M D (ii) As and Gs grades are the same as Hs. B is an
III. N % F IV. D N international player but he did not sit either with G or
a. None is true. b. Only I is true. c. Only II is true. with H.
d. Only III is true. e. Only IV is true. (iii) H is a cricketer. Both H and F play for the same team.
But H did not sit in row 4.
77. Statements F # Z, Z @ H, H % N, N B
(iv) A and G sat in row 1 and row 2 respectively. While, C
Conclusions I. F @ H II. N Z sat with D.
III. B % H IV. B % Z
a. I and III are true. b. II, III and IV are true. 84. Which of the following is/are not correctly
c. I and II are true. d. I, II and III are true. matched?
e. All are true.
I. Row 1-A and B II. Row 2-G and F
78. Statements M % K, K W, W V, V @ N III. Row 3-H and E IV. Row 4-D and C
Conclusions I. N W II. M % W a. II and IV b. III and IV
c. I and III d. All are correctly matched
III. K V IV. V % M e. None of the above is correctly matched
a. None is true. b. Only I is true. c. Only II is true.
d. Only III is true. e. Only IV is true. 85. Which of the following statements is/are true?
Directions (Q.Nos. 79-83) Study the following I. A, G, H and D are National players.
information to answer the given questions. II. B, F, E and C are International players.
P, Q, R, S, T, V, X and Y are seated in a straight line facing III. B, F, H and D are cricketers.
North. P sits fourth to the left of V. V sits either sixth from IV. A, G, E and C are badminton players.
the left end of the line or fourth from the right end of the a. I and II b. III and IV c. I, II and III
line. S sits second to right of R. R is not an immediate d. All are true e. None of these
neighbour of V. T and Q are immediate neighbours of each
other but neither T nor Q sits at extreme ends of the line. 86. In which row does E travel?
Only one person sits between T and X. X does not sit at the a. 1 b. 2 c. 4
extreme end of the line. d. 3 e. None of these

79. What is the position of Q with respect to P? 87. G is a National and .... player.
a. Fifth to the right b. Immediate neighbour a. cricket b. badminton
c. Second to the right d. Third to the left c. Either cricket or badminton d. Cannot be determined
e. None of these e. None of these

50 Bankin Guru November 2017

88. Which of the following combination of Only P and Q read Hindi Newspaper. P is third to right of Q.
Person-Grade-Game is correct? M is from Kerala reads English Newspaper and is sitting
immediate right of Q. R is from Chandigarh and reads
a. A-International-Cricket b. D-National-Cricket
c. H-National-Badminton d. F-International-Cricket Punjabi Newspaper. T reads the same Newspaper as S reads
e. B-International-Badminton who is third to left of R and fourth to right of N. O is sitting
exact opposite of P who belongs to Uttar Pradesh. Persons
89. In a certain code language, where are you is who belong to Maharashtra and Andhra Pradesh read
written as pit ka ta, are they there is written as sa English Newspaper. S is from Haryana while N is from
da ka and they may come is written as da na ja. Andhra Pradesh reads English Newspaper. T is from Punjab.
How is there written in that code language? 94. Which of the following pairs read Punjabi
a. da b. sa c. ka newspaper?
d. Data inadequate e. None of these
a. PNT b. MNO c. STR d. OST e. MST
90. Each odd digit in the number 5263187 is 95. Which of the following is true regarding to
substituted by the next higher digit and each even
position of T with respect to O?
digit is substituted by the previous lower digit and
a. Second to the right b. Immediate left
the digits so obtained are rearranged in ascending c. Third to the right d. Third to the left
order, which of the following will be the third digit e. Immediate right
from the left end after the rearrangement ?
a. 2 b. 4 c. 5
96. Who does not read English Newspaper?
d. 6 e. None of these a. O b. N c. M
d. T e. None of these
91. Among P, Q, R, S and T each securing different
marks, Q scored higher than only T and P scored 97. From which state Q belongs?
higher than S but lower than R. Who among them a. Uttar Pradesh b. Bihar c. Maharashtra
d. Andhra Pradesh e. Haryana
scored highest marks?
a. P b. S c. R 98. Which of the following is not correct combination?
d. T e. Q a. T-Punjab-Punjabi b. Q-Kerala-Hindi
c. O-Maharashtra-English d. P-Uttar Pradesh-Hindi
92. Among A, B, C, D and E each reaching school at e. All are correct combinations
a different time, C reaches before D and A and only
after B. E is not the last to reach school. Who among Directions (Q.Nos. 99-100) Read the following
them reached school last? information carefully and answer the questions which
a. D b. A c. C follow.
d. Data inadequate e. None of these Point H is 6 km towards the East of Point G. Point R is 8 km
North of Point G. Point Q is exactly midway between Point R
93. In a column of 20 boys, D is fourteenth from the and Point G. Point K is 10 km to the South of Point Q. Point
front and F is ninth from the back. How many boys L is 3 km towards the East of Point Q. Point S is exactly
are there between D and F? midway between Point G and Point H.
a. 2 b. 3 c. 4
d. 5 e. 1
99. If a person walks 4 km towards the South from
Point L, takes a right turn and walks for another 3 km,
Directions (Q.Nos. 94-98) Study the given information then which of the following points would he reach?
and answer the following questions. a. Q b. G c. K
Eight friends M, N, O, P, Q, R, S and T are sitting around d. H e. Cannot be determined
circular table and belong to eight different states Uttar
Pradesh, Bihar, Andhra Pradesh, Chandigarh, Punjab, 100. If a person walks 8 km towards North from
Haryana, Kerala and Maharashtra. They read three Point S, which of the following points would he cross
Newspapers in Hindi, English and Punjabi. At least two and how far will he be from Point R?
persons read one newspaper not necessarily in the same a. G, 4 km b. H, 3 km c. L, 6 km
order. d. L, 3 km e. G, 8 km

Answers & Explanations

1. (d) The act of putting to death painlessly
by withholding medical procedures from a
person suffering from an incurable or painful
condition is called as Mercy Killing.
2. (e)
3. (a) In such a case, a patients relative
should pray for his/hers death.
4. (c)
5. (c) As per the context of the passage, the
blank should be filled by punishable and sin.
6. (b) Euthanasia is another name for Mercy
Killing.
7. (a)
8. (e) Imperil mean to put at risk of
being harmed, injured or destroyed.
So, Endanger is its synonym.
9. (b) 10. (d)
11. (b) As images is mentioned in the
sentence, first blank would be filled by
visual and the second blank with
developed to make the sentence
meaningful.
12. (b) To make sense the first blank would be
filled by rebelliousness as society abhors
rebelliousness.The second blank would be filled
by suppressed to make the sentence
meaningful.
13. (c) We use the word create with jobs. Hence,
the first blank would be filled by create. Now,
automation eliminates jobs, so second blank
would be filled by eliminated.
14. (c) analyse will be used with the first blank as
gadgets analyse data. The second blank would be
filled by trust to make the sentence meaningful.

Bankin Guru November 2017 51

15. (b) infrastructure would be used to fill the 390 100 Number of employees not went on strike
40. (e) Total 2013 = = 1300
first blank and attention to fill the second 30 75
= 5092 = 3819
blank to make the sentence meaningful. 30 100
Commerce 2013 = 1300 = 390
16. (b) Use so in place of as. 100 49. (d) Total employees in engineering and
450 100
17. (a) Use found in place of founding. Total 2016 = = 1500 Industries
30
= 26800
Second form of verb is required. 9 13
20 +
18. (c) Use of before children in place of in. Arts 2016 = 1500 = 300 100 100
100 22
19. (b) Use turned up in place of turn up. = 26800 = 5896
The sentence is in Past Tense. Required percent 100
390 300 9000
20. (a) Use on in place of to. Generally, = 100 = = 30% 50. (a) Total number of teachers
focus on/upon is used. 300 300 15
= 26800
= 4020
21. (c) 22. (d) 23. (a) 24. (b) 25. (a) 41. (d) The sequence of the series is 100
26. (c) 27. (b) 28. (d) 29. (a) 30. (c) 9 62 371 1854 7415 22244 Number of temporary teachers
623898 99 3
31. (b) ? = 71 6 1 5 1 4 1 3 1 = 4020 = 2412
60000 5
624000 100 Number of permanent teachers
Hence, the answer will be 371.
60000
42. (e) The sequence of the series is = 4020 2412 = 1608
1040 1030 51. (a) From I. x 2 24 x + 144 = 0
4 8 24 60 124 224
1
32. (c) 625 + 52 ? x 2 12 x 12 x + 144 = 0
5 +22 +42 +62 +82 +102
50 x( x 12 ) 12 ( x 12 ) = 0
25 + 25 ? 5 ? 10 Hence, the answer will be 124.
5 ( x 12 ) ( x 12 ) = 0
43. (a) The sequence of the series is
33. (e) 565 + 82 45 34 4221 4210 x = 12
( 47% 1442 36% 1412 ) 8000 1600 320 64 12.8 2.56 From II. y 2 26 y + 169 = 0
34. (c)
63 5 5 5 5 5 ( y 13)2 = 0
1440 45 35 1410
Hence, the answer will be 2.56. y 13 = 0
= 100 100
60 44. (b) The sequence of the series is y = 13
648 493.5 6 9 15 27 51 99 Clearly, x< y
3
60
+31 +32 +34 +38 +316
52. (d) From I. 2 x 2 + 3 x 20 = 0
341789 + 265108 606897
35. (b) = Hence, the answer will be 99. 2 x 2 + 8 x 5 x 20 = 0
8936 3578 5358
45. (e) The sequence of the series is 2 x ( x + 4) 5 ( x + 4) = 0
606900
113 120 2.5 + 20 = 320 ( x + 4) (2 x 5) = 0
5360
320 2.5 + 20 = 820 5
36. (c) Total number of students in 2013 x = 4 or
2
300 100 820 2.5 + 20 = 2070
= = 750 From II. 2 y 2 + 19 y + 44 = 0
40 2070 2.5 + 20 = 5195
Total number of students in 2015 5195 2.5 + 20 = 13007.5 2 y + 11y + 8 y + 44 = 0
2

405 100 Hence, the answer will be 820. y (2 y + 11) + 4 (2 y + 11) = 0

= = 900
45 ( y + 4) (2 y + 11) = 0
46. (c) Employees in teaching
Difference = 900 750 = 150 15 11
= 26800 = 4020 y = 4 or
37. (e) We cannot find maximum difference 100 2
of arts discipline without knowing exact Clearly, x y
Employees in medical
number of students.
27 53. (e) From I. 6 x 2 + 77 x + 121 = 0
360 100 = 26800 = 7236
38. (b) Total 2011 = = 2400 100
15 6 x 2 + 66 x + 11x + 121 = 0
360 100 and employees in management
Total 2015 = = 1200 17 6 x ( x + 11) + 11( x + 11) = 0
30 = 26800 = 4556
100 ( x + 11) ( 6 x + 11) = 0
25
Commerce 2011 = 2400 = 600 11
100 As per the question, x = 11 or
45 6
Commerce 2015 = 1200 = 540 Total employees in teaching and medical
100 = 4020 + 7236 = 11256 From II. y 2 + 9 y 22 = 0

Required percent =
540
100 = 90% Now, required difference y + 11y 2 y 22 = 0
2

600 = 11256 4556 = 6700 y ( y + 11) 2 ( y + 11) = 0

560 100
39. (d) Total 2012 = = 1400 47. (e) Total employees in management ( y 2 ) ( y + 11) = 0
40
20 17
= 26800 = 268 17 = 4556 y = 2 or 11
Arts 2012 = 1400 = 280
100 100 So, y x
560 100 3
Total 2014 = = 1600 Female employees = 4556 = 3417 54. (b) From I. x2 6 x 7 = 0
35 4
x 7x + x 7 = 0
2
25 Male employees = 4556 3417 = 1139
Arts 2014 = 1600 = 400 x (x 7) + 1(x 7) = 0
100 48. (b) Total employees in film production
280 7 19 ( x + 1) ( x 7 ) = 0
Ratio = = = 7 :10 = 26800 = 5092
400 10 100 x = 1 or 7

52 Bankin Guru November 2017

From II. 2 y 2 + 13 y + 15 = 0 60. (a) Let, the first part be ` x. 64. (a) 6 12 men = 8 18 women
2 y + 10 y + 3 y + 15 = 0
2 Then, second part = (2602 x) = 18 10 children
2 y ( y + 5) + 3 ( y + 5) = 0 According to the question, 12 men = 24 women = 30 children
7 9
x 1 +
( y + 5)(2 y + 3) = 0 4 4 2 men = 4 women = 5 children
= (2602 x ) 1 +
3 100 100 Now, 4 men + 12 women+ 20 children
y = 5 or
2 9
= 4 men + 6 men + 8 men = 18 men
1 + 4
Clearly, x> y
x 100 Time to do remaining work for 1 man
=
55. (d) From I. 10 x 2 7 x + 1 = 0 (2602 x ) 4
7
= ( 6 12 18 2 ) = 36 days
10 x 2 5 x 2 x + 1 = 0 1 +
100 Required number of men to finish the
5 x (2 x 1) 1(2 x 1) = 0 2 work in 1 day = 36
= 1 +
x 4
( 5 x 1) (2 x 1) = 0 65. (b) Let, the two diagonals of rhombus be
(2602 x ) 100
1 1 x and y, respectively
x = or 26 26 676
5 2 =
= x + y = 10 m (given) (i)
25 25 625
From II. 35 y 2 12 y + 1 = 0 We know, area of rhombus
625 x = 676 2602 676 x
35 y 2 7 y 5 y + 1 = 0 1
1301x = 676 2602 = Product of diagonals
2
7 y ( 5 y 1) 1( 5 y 1) = 0 676 2602
x= = 676 2 = ` 1352
1
9= x y
(7 y 1) ( 5 y 1) = 0 1301
1 1 2
y = or The two parts are ` 1352 and
7 5 xy = 18 m 2 (ii)
` (2602 1352 ) = ` 1250.
Clearly, x y Now, x + y 2 = ( x + y)2 2 xy
2
61. (d) Speed of Ist person
56. (b) Average age of the whole class Putting value from Eqs. (i) and (ii), we get
= 4.5 km/h = 4.5
5
32 14 + 28 13 m/sec
= 18 x 2 + y 2 = (10)2 2 (18)
32 + 28
5 = 100 36 = 64 m 2
448 + 364 812 = m/sec = 125 . m/sec
= = = 13.53 yr 4
60 60 66. (a)
Speed of IInd person = 5.4 km/h
57. (e) Required percentage
= 5.4
5 3
75 80 40 65 100 = = 15. m/sec Blonde Brunnette Cute
= 18 2
100 100 40
Let, the speed of the train be x m/sec. Beautiful
60 26 34
= 100 = 100 = 85% Then, ( x 125
. ) 8.4 = ( x 15
. ) 8.5
40 40 Conclusions I. II. III. IV.
58. (c) Ratio of their investment 8.4 x 10.5 = 8.5 x 12.75 Hence, only I follows.
= 5000 12 : 9000 8 = 5 : 6 . x = 2.25 x = 22.5
01
67. (b)
Amount received by Mr Jain Speed of the train
Killer Sweater Jacket
= 22.5
=
6
22000 = ` 12000 18
= 81 km/h
11 5 Rose
59. (c) Let, the cost price of first bicycle be ` x. 62. (b) Total number of cases = 10C 4 or
Then, the cost price of second bicycle
Favourable number of cases = C 2 C 24 6
Conclusions I. II. III. IV.
= ` (1600 x )
[Since, we have to select 2 children out of Hence, II and either III or IV follow.
According to the given condition,
[20% of x + 10% of (1600 x )] 4 and remaining 2 persons to be selected 68. (e)
from remaining 6 persons (2W + 4M )]
[10% of x + 20% of (1600 x )] = 5
20 x 10 (1600 x ) Required probability ac
+
ec
100 43 65 dc
100 yy
4
C 2 6C 2 2 1 2 1
10 x 20 (1600 x ) = 10 =
+ =5 10 9 8 7 or
100 100 C4
4 32 1 Conclusions I. II. III. IV.
x 1600 x x 1600 x
+ + =5 12 30 Hence, II and IV and either I or III follow.
5 10 10 5
= 2 2 = 90 = 9 69. (a)
x x (1600 x ) (1600 x )
+ =5 210 210 21 News
x
5 10 10 5 Radio Television Magazine
63. (c) Let the cost of third variety tea will be paper
2 x x (1600 x ) 2 (1600 x )
+ =5 ` x per kg.
10 10 Conclusions I. II. III. IV.
x + 1600 x 3200 + 2 x According to the question,
=5 Hence, III and IV follow.
126 + 135 + 2 x
10 = 153 70. (c)
1600 + 2 x 4
=5
10 261 + 2 x = 4 153
1650 2 x = 612 261 = 351 Crook
2 x = 1600 + 50 x = = 825 Intelligent
2 351
x= Simple
Cost of second bicycle 2 Fool
= (1600 825) = ` 775 x = ` 175.50
Hence, difference in cost price of the two Hence, the cost of third variety tea is Conclusions I. II. III. IV.
bicycles = 825 775 = ` 50 ` 175.50 per kg. Hence, I and III follow.

Bankin Guru November 2017 53

Solutions (Q.Nos. 71-73) According to the IV. V % M V < M (False) Solutions (Q.Nos. 94-98) According to
given information the relationship diagram is Hence, only III is true. information sitting arrangement is as follows.
as follows English,
Married Solutions (Q.Nos. 79-83) According to the
Maharashtra
s Couple r Father-in-law given information, the final arrangement is Hindi,
H G O
as following. Bihar Q
Son Married N Andhra Pradesh,
r Brother r Couple s Brother r Facing English, English
E C A F Kerala M
R P S Q T V X Y North R Chandigarh,
Son Daughter Punjabi
r s 79. (c) 80. (e) 81. (c) Haryana, S
B D T Punjab,
82. (a) In the given pairs, second person is Punjabi
P Punjabi
71. (c) E is the brother-in-law of A. seated second to the right of first person. Uttar Pradesh,
72. (b) H is the mother of E. So, V be related to Y Hindi
as Y is sitting second to the right of V.
73. (d) D is the niece of E. 94. (c) 95. (d) 96. (d) 97. (b) 98. (b)
83. (d) Second from the left is P and fifth
Solutions (Q.Nos. 74-78) According to the Solutions (Q.Nos. 99-100) According to the
from the right is Q. S is sitting between P
given information information, the direction diagram can be
and Q.
P%QP<Q drawn as following
Solutions (Q.Nos. 84-88) According to
P Q P > Q given data in the questions we can draw the
R
P @ Q P Q following table 4 km
P G P Q Person Grade Game Row
P#QP=Q 8 km Q L
A National Badminton 1 3 km
74. (b) Statements B International Cricket 1 4 km
S
R T, T M, M % K, K @ V, C International Cricket 4 G 3 km H
3 km
R T, T > M, M < K, K V D National Badminton 4 10 km
6 km T
R T > M < K V E International Badminton 3
Conclusions I. V M V > M (True) F International Cricket 2 6 km
II. V T V > T (False) G National Badminton 2
III. M % R M < R (True) H National Cricket 3
K
IV. K R K > R (False) 84. (d)
99. (b)
Hence, I and III are true.
85. (a) From the Statement I. A, G, H and D
100. (d) He will cross Point L first and at the
75. (e) Statements are National players and from the Statement
end he will be 3 km far from Point R.
H J, J # N, N @ R, R W II. B, F, E and C are International players.
H > J, J = N, N R, R > W 86. (d) 87. (b) 88. (d)
H > J = N R > W
89. (b) where are you pit ka ta ...(i)
Conclusions I. W % N W < N (False)
II. W % H W < H (False) or are they there sa da ka ...(ii)
III. R # J R = J (False) they may come da na ja ...(iii)
IV. R J R > J (False)
Hence, either III or IV is true. From Eqs. (ii) and (iii), they da
76. (a) Statements From Eqs. (i) and (ii), are ka
B @ D, D F, F% M, M N there sa
B D, D > F, F <M, M N 90. (b) Given number 5 2 6 3 1 8 7
B D > F < M N
Conclusions I. B % F B < F (False) After rearrangement 6 1 5 4 2 7 8
II. M D M > D (False)
III. N % F N < F (False) Arranged in ascending order 1, 2, 4, 5, 6, 7, 8
IV. D N D > N (False) So, the third digit from left end is 4.
Hence, none is true. 91. (c) Q > T
77. (c) Statements T got lowest marks R > P > S
F # Z, Z @ H, H % N, N B So, Final ranking will be R > P > S > Q > T
F = Z, Z H, H < N, N > B R got highest marks.
F = Z H < N > B
Conclusions I. F @ H F H (True)
92. (d) School reaching order is B > C > E >
D or A
II. N Z N > Z (True)
III. B % H B < H (False) So, any one from D or A reached school last.
IV. B % Z B < Z (False) Data is inadequate in the given question.
Hence, I and II are true. 93. (e)
78. (d) Statements 9th D
M % K, K W, W V, V @ N Back
M < K, K W, W > V, V N 20 boys
M < K W > V N 14th
Front
F
Conclusions I. N W N W (False)
II. M % W M < W (False)
III. K V K > V (True) Only one boy is there between D and F.

54 Bankin Guru November 2017

 MOCK PAPER -1
ONLINE EXAM NOVEMBER 26, 2017

Institute of Banking Personnel Selection

IBPS
( )
PO/MT
Main Phase II Online Exam 2017
General Instructions
l
This crack set consists of 155 questions in four parts.
l
All questions are compulsory.
l
Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.
Do not spend too much time on any question.
Time 180 Min. Max. Marks 200
Part Subject Number of Questions
I Reasoning & Computer Aptitude 45
II Data Analysis & Interpretation 35
III General/Economic/Banking Awareness 40
IV English Language 35

Part I Reasoning & Computer Aptitude

1. This type of software works with end-users, 4. Conclusion All red being blue is a possibility.
application software and computer hardware to Statements
handle the majority of technical details. I. All red is orange.
a. Communications software b. System software II. No blue is orange.
c. Application software d. Utility software
III. Some orange is blue.
e. None of these
a. II and III b. I and II
2. Which of the following is the type of software that c. I and III
controls the internal operations in the computer and d. From both I and III and I and II
e. Conclusion does not follow from any of the statements together
controls how the computer works will all its parts?
a. Shareware b. Public domain software 5. Conclusion No circle is square.
c. Application software d. Operating system software
Statements
e. None of these
I. All circle is rectangle.
Directions (Q.Nos. 3-5) In each of these questions given II. All rectangle is diagonal.
below are given three/four statements. You have to take III. No rectangle is square.
the given statements to be true even if they seem to be at IV. diagonal is square.
variance from commonly known facts. You have to a. I and II
determine using which given statements the given b. I and III
conclusion follows. c. Conclusion does not follow from any of the statements
together
3. Conclusion Some red are not blue. d. I, II and IV
Statements e. b and d
I. All red is orange. Directions (Q.Nos. 6-7) Study the following information
II. Some red is orange. carefully and answer the questions given below.
III. No orange is blue. Following are the conditions for selecting Marketing
a. I and II b. I and III c. II and III Manager in an organisation.
d. Conclusion does not follow from any of the statements together The candidate must
e. b and c

Bankin Guru November 2017 55

 I. be a graduate in any discipline with atleast 55% marks.
II. have a post graduate degree/diploma in marketing
management with at least 60% marks.
III. have post qualification work experience of at least 5
years in the marketing division of an organisation.
IV. have secured at least 45% marks in the selection
examination.
V. have secured at least 40% marks in the selection
interview.
In the case of a candidate who satisfies all the conditions
Except
(a) at III above, but has post qualification work experience
of at least 3 years as Deputy Marketing Manager, the
case is to be referred to GM-Marketing.
(b) at V above, but has secured at least 60% marks in the
selection examination, the case is to be referred to
VP-Marketing.
In each question below, details of one candidate are given.
You have to take one of the following courses of actions
based on the information provided and the conditions and
sub-conditions given above and marked the number of that
course of action as your answer. You are not to assume
anything other than the information provided in each
question. All these cases are given to you as on May 1, 2016.
Give answer
a. if the candidate is to be selected
b. if the candidate is not to be selected
c. if the case is to be referred to GM-Marketing
d. if the case is to be referred to VP-Marketing
e. if the data provided are not adequate to take a decision
6. Nidhi Agarwal has secured 60% marks in the
selection interview and 40% marks in the selection
examination. She has been working in the marketing
division of an organisation for the past eight years
after completing her post graduate degree in
marketing management with 65% marks. She has
secured 59% marks in B.Sc.
7. Navin Desai has secured 56% marks in B.A. He
has been working in the marketing division of an
organisation for the past 7 years after completing his
post graduate degree in marketing with 62% marks.
He has secured 62% marks in the selection
examination and 38% marks in the selection
interview.
Directions (Q.Nos. 8-10) Study the following
information arrangement carefully and answer the
questions given below.
With a certain code language,
alarm forest cuddle morning is written as %f6 !m7 #a5
@c6
sight fire making criticism is written #c9 @f4 %s5 !m6,
raising centre recent alarm is written as @c6 %r6 #a5 !r7,
and
strike arm ignoring sight is written as !i8 %s5 @s6 #a3.
8. What is the code for raising?
a. !r7 b. @c6 c. #a5
d. %r6 e. Cannot be determined
9. What is the code for fire arm morning?
a. @c6 !m6 %s5 b. #a3 !i8 @c6 c. @f4 !m7 #a3
d. !C7@a4#m3 e. Cannot be determined
56 Bankin Guru November 2017
10. What does @s6 %s5 !m6 stand for ?
a. Ignoring cuddle forest b. Sight morning arm
c. Making strike sight d. Strike raising fire
e. Cannot be determined
Directions (Q.Nos 11-12) In the following questions, the
symbols @, &, %, $ and H are used with the following
meanings illustrated.
P & Q means P is not greater than Q.
P H Q means P is not smaller than Q.
P % Q means P is neither greater than nor equal to Q.
P $ Q means P is neither smaller than nor equal to Q.
P @ Q means P is neither greater than nor smaller than Q.
11. In which of the following expressions, N$R and
P&Q are definitely false?
a. G & H $ R & Q % N $ P b. B @ R $ N & S $ Q % P
c. E $ N % F $ R $ P & Q d. M $ Q % R @ T $ N H P
e. R & U $ V % P @ N $ Q
12. In which of the following expression, A H E and
R% H are definitely false ?
a. M % A $ R & H $ E % P b. F & D @ A H H % E $ R
c. E $ F @ A % R H G & H d. E @ V $ A & H % P & R
e. R $ M % H @ E $ B H A
Directions (Q. Nos. 13-15) In each questions given
below a statement is followed by three courses of action
numbered I , II and III. A course of action is a step or
administrative decision to be taken for improvement,
follow-up for further action in regard to the problem,
policy etc. on the basis of the information given in the
statement. You have to assume everything in the
statement to be true, then decide which of the three
given/suggested courses of action logically follows for
pursuing and decide the answer.
13. Statement While hundreds of childless couples
are waiting to have a child for adoption, children are
sold by placement agencies to foreigners for huge
sums of money. The agencies source children from
poor sections of society illegally.
Courses of Action
I. A committee should be constituted to look into
this matter.
II. A law should be enacted to make it mandatory for
all nursing homes and hospitals to record births
and deaths and to admit abandoned children in
specified homes.
III. Foreign adoption should be completely banned.
a. I and II b. II and III c. I and III
d. I, II and III e. None of these
14. Statement The demand for computer software
experts has slumped indicating a possible recession in
the software sector.
Courses of Action
I. The government should announce tax relief to the
software sector.
II. The industrialists should look for better business
ventures than software sector.
III. The government should facilitate loan for
software sector to eradicate recession.
a. Only III b. I and III c. I and II
d. I, II and III e. Only I
15. Statement Although strict vigilance by the police
has brought down the rate of night crimes, daylight
robberies and chain-snatching etc have only increased.
Courses of Action
I. The police should be asked to stop its vigilance
programme during nights.
II. The police should be given powers to kill
criminals involved in daylight robberies and
chain-snatching.
III. The police should be directed to reorient its
strategy so that daylight crimes are not ignored.
a. I and II follow b. Only III follows c. Only I follows
d. II and III follow e. I and III follow
Directions (Q.Nos. 16-20) Read the following
information carefully and answer the questions that
follow.
A, B, C, D, E, F, G and H are eight members of a family
sitting around a circular table and all of them are facing
away from the centre. Each of them has a different sunsign,
viz., Aquarius, Libra, Leo, Cancer, Virgo, Pisces, Aries and
Capricorn, but not necessarily in the same order.
C sits second to the right of Fs wife, whose sunsign is
neither Cancer nor Capricorn. No male is an immediate
neighbour of C. Es son sits second to the left of H and on
the immediate right of the person whose sunsign is Leo. H,
who is brother of B, has the sunsign Capricorn. H is not an
immediate neighbour of Fs wife. Es sons sunsign is Libra.
Only one person sits between G and H. Fs sister E sits on
the immediate right of her father, whose sunsign is Aries. G
is mother of B. Only one person sits between Fs father and
A. A sits on the immediate left of the person whose sunsign
is Pisces. Only one person sits between F and B. B sits
second to the left of the person whose sunsign in Aquarius.
B is father of D and is not an immediate neighbour of A.
necessarily in the same order. They all work in the same
company and they were born in the same month of the
different year. Their age are considered as on the same
month of year 2016. Also each employee likes a different
colour i.e., Red, Pink, Grey,White, Yellow, Brown, Purple and
Black, but not necessarily in the same order. There was 18
years gap between V and T, who likes Black colour. R was 14
years old and likes Grey colour. W was born earlier than U.
There are four employees between the employee who likes
Red colour and the employee who was born in 1996.
Employee, who likes White colour, was born later than the
employee, who likes Yellow colour. Year in which V was born
is 6 years more than the year in which P was born. S was
born in the year,which is16 years less than the year in which
R was born. P and V likes Brown and Pink colour
respectively. One of the employee was born in 1990. Q was
17 years old than S. In 2016, V was 38 years old. There are
three employees between the employee, who likes Purple
colour and the employees who likes White colour.
21. Four of the following five are alike in a certain
way and hence form a group. Which one of the
following does not belong to the group?
a. T b. V c. U d. W e. P
22. How many years gap is there between T and S?
a. 13 yr b. 11 yr c. 12 yr
d. 10 yr e. None of these
23. Which of the following colours does W like?
a. White b. Purple c. Grey
d. Yellow e. None of these
24. How many years gap are there between P and
the employee who likes White colour?
a. 44 yr b. 10 yr c. 34 yr d. 28 yr e. 33 yr

16. Whose sunsign is Aquarius? 25. What is the age of P in 2016?

a. 41 yr b. 38 yr c. 36 yr d. 44 yr e. 35 yr
a. D b. G c. Father of D
d. Cant be determined e. E Directions (Q. Nos. 26-28) See the following structure
carefully and answer the given questions.
17. Who among the following is Es son? Out of
a. B b. F c. A d. D e. C Hospital Patient
Hospital To admit-in

18. The person whose sunsign is Virgo is sitting Refuse Treatment Reception
between who among the following? Amount pay
a. The persons whose sunsigns are Pisces and Leo. No Yes
` 10000 Patent Admit
b. The person whose sunsigns are Aries and Libra.
c. The persons whose sunsigns are Libra and Cancer. Checkd by Doctor
d. A and B Found any Disease
e. D and B Yes
Discharge Reports
Generates No
19. Four of the five are alike in a certain way and Treatment for that
Disease by Doctor
hence form a group. Which is the one that does not
belong to that group?
Negative Report
a. D b. C c. A d. F e. B Collect Reports
Generates
Positive
20. What is the position of G with respect to her
granddaughter according to the given seating Doctor Suggest
for Operation
arrangement?
In ICU
a. 4th to the right b. 4th to the left c. Immediate left
d. Immediate right e. 2nd to the left Operation
Successful
Directions (Q.Nos. 21-25) Read the given information Patient Z wants to admit in hospital. So, different
carefully and answer the given questions. conditions are given in data flow diagram. So, after
Eight employees namely P, Q R, S, T, U, V and W had born analysing above DFD diagram you have to answer the given
in different year starting from 1969 to 2005, but not questions.

Bankin Guru November 2017 57

26. If a patient want to submit ` 8000 in the
reception, then what will be the next scene?
a. Patient will be admitted in hospital and he will be checked by
the Doctor.
b. After submitting ` 8000, patient receives a receipt of bill.
c. There is no step.
d. Receptionist refuses to take money from the patient.
e. After submitting the money patient collect the report.
27. Which condition is sufficient to make sure that
patient is discharged from the hospital?
a. If patient submit ` 7000 in the reception.
b. If patient report is negative.
c. If required treatment facility is not available in the hospital.
d. e and b below L. C is an immediate neighbour of I and K. F lives to the
e. If the operation of the patient become successful.
28. Before which step patient can collect his/her
report, which is generated by the doctor?
a. If patient reports shows negative
b. If in ICU, patient operation is successful
c. All are true
d. If patient have no disease
e. After the report generation, patient can collect his/her report
29. Which among the following is an organisation
that developed SAGA-220 super computer in 2011?
a. ISRO b. NASA c. C-DAC
d. BARC e. IITM
Directions (Q. Nos. 30-31) In each questions below is
given a statement followed by three assumptions I, II and
III. An assumption is something supposed or taken for
granted. You have to consider the statement and the
assumptions and decide which of the assumptions is
implicit in the statement. Then, decide which of the
answers (a), (b), (c), (d) and (e) is the correct answer.
III. Strong opposition puts hindrance before a bill in
taking final shape.
a. All of these b. I and II c. I and III
d. II and III e. Only III
Directions (Q.Nos. 32-36) Study the following
information carefully and answer the given questions.
Thirteen persons A, B, C, D, E, F, G, H, I, J, K, L and M stay in
a 4-storeyed building. Every floor has 4 flats. The flats are
numbered,1-4 from left to right and the floors are numbered
1-4 from bottom to top. All same numbered flats are in the
same column. Three flats are vacant in the building. No two
flats in the same row or column is vacant.
L has the same flat number and floor number. M lives 2 floors
immediate right of a vacant flat. None of the flat is to the left
of L are vacant. H lives just above one of the vacant flats i.e.,
They have the same flat numbers. H and E lives at a gap of 2
floors. H's floor number is same as E's flat number. The flat
which is 2nd to the right of A is vacant. B and E have the
same floor number. B has no immediate neighbours. One of
the flats on the top floor is vacant. G and D have the same flat
number and G lives above D. K and H have the same flat
number. J lives to the immediate right of F.
32. Which of the flats in the floor 2 is vacant?
a. None of the flat is vacant b. Flat number 1
c. Flat number 2 d. Flat number 3
e. Flat number 4
33. Which of the following is a correct combination
of Name : Flat number : Floor number?
a. H : 4: 4 b. J : 4: 2 c. G : 3 : 1
d. B : 3 : 1 e. D : 2 : 2
34. Who lives in the flat number 2 of floor 3?
a. J b. F c. A d. L e. D

30. Statement Bar Council of India (BCI) has 35. Who are the immediate neighbour of J?
decided to go on hunger strike to protest the a. G and L b. E and M c. F and G
implementation of the Legal Services Authority d. J and H e. F and H
(Amendment) Act. Chairman of BCI. 36. Who among the following has a vacant flat to his
Assumptions immediate right?
I. The amendment has several loopholes and is a. K b. H c. J d. L e. G
bound to hurt the litigants interests.
II. All the members of BCI will welcome the decision. 37. Which among the given options does not have
III. The hunger strike held in front of the court will flash memory?
put a pressure on the respective authority. a. Pen Drive b. Hard Disk c. Car Radio
a. Only I b. I and II d. Memory Cards e. Memory Stick
c. I and III d. All of these
e. None of these
Directions (Q. Nos. 38-40) Study the following
information carefully and answer the given questions.
31. Statement Despite strong opposition, the A word and number arrangement machine when given an
controversial prohibition of forcible conversion of input line of words and numbers rearranges them following
Religion Bill was passed by the Tamil Nadu Assembly a particular rule in each step. The following is an illustration
with the AIDMK and the BJP outvoting the combined of input and rearrangement.
opposition of the DMK, the Congress, the Pattali Input 206 nokia 65 samsung 116 micromax 5 apple 610
Makkal Katchi and the Left parties. A news lenovo panasonic 51 huawei
Assumptions Step I 610 206 nokia 65 samsung 116 micromax 5 apple
lenovo panasonic 51 huawei
I. Conversions create resentment among several
sections and also inflame religious passions, Step II 610 206 65 nokia samsung 116 micromax 5 apple
lenovo panasonic 51 huawei.
leading to communal clashes.
Step III 610 206 65 116 nokia samsung micromax 5 apple
II. Conversions only lead to the isolation of the
lenovo panasonic 51 huawei
converted.
Step IV 610 206 65 116 5 nokia samsung micromax apple
lenovo panasonic 51 huawei

58 Bankin Guru November 2017

Step V 610 206 65 116 5 51 nokia samsung micromax apple III. D is sitting on the immediate left of B, who is not
lenovo panasonic huawei. sitting on the immediate left of A. E is on the
Step VI 610 206 65 116 5 51 huawei nokia samsung immediate right of D.
micromax apple lenovo panasonic a. I and II b. I and III
Step VII 610 206 65 116 5 51 huawei panasonic nokia c. Either I and II, or III d. Any two of the three
samsung micromax apple lenovo e. None of these
Step VIII 610 206 65 116 5 51 huawei panasonic micromax 42. Among P, Q, R, S and T, each with a different
nokia samsung apple lenovo weight, who is the lightest?
Step IX 610 206 65 116 5 51 huawei panasonic micromax
I. R is heavier than Q but lighter than T.
nokia lenovo samsung apple
II. P is heavier than Q but lighter than S.
Step X 610 206 65 116 5 51 huawei panasonic micromax
nokia lenovo apple samsung III. T is not the heaviest.
a. I and II b. II and III c. I and III
Step X is the last step of the above input, as the desired d. Data inadequate e. None of these
arrangement is obtained. As per the rules followed in the
above questions find the appropriate step for the given 43. Which direction is Tinu facing?
input. I. If Tinu turns 135 to his left, he will be facing a
Input 24 whirlpool 55 kelvinator 81 godrej hitachi 200 direction that is exactly opposite Anita.
electrolux 43 bluestar 315 sharp II. Moonga is facing North; if he turns 90 to his left
38. Which of the following is the last step but one? after moving 45 ACW, he will be exactly opposite
a. VII b. VIII c. IX d. X e. II to the direction of Tinu.
III. Anita will be in the same direction of Tinu if he
39. If 24 is related to kelvinator and godrej is turns 45 to his right after turning 90 to his left.
related to 43, electrolux is related to which of the a. Only I b. Only II c. Only III
following in step III? d. I and III e. Data inadequate
a. Bluestar b. 43 c. 315
d. Sharp e. 81
44. How is X related to Z?
I. R is the cousin of P and the only son of X.
40. Which is the position of kelvinator in Step VI? II. R is the only grandson of G, who has two children
a. 7th from the right b. 8th from the left Y and Z.
c. 6th from the left d. 5th from the right
e. None of these
III. P is the only son of Y, who is the only sister of her
brother.
Directions (Q. Nos. 41-45) In each of the following a. I and II b. II and III
questions, a question is followed by information given in c. All of these d. Data inadequate
three statements. You have to decide the information e. None of these
given in which of the statements is necessary and 45. How is lost written in a code language?
sufficient to answer the questions.
I. India lost his ranking is written
41. A, B, C, D and E are sitting in a circle. Are all of as 3 1 5 6 and England defeat India is written as
them facing the centre? 2 9 1.
I. A is sitting second to the right of D; C is facing the II. test champion England is written
centre and is not an immediate neighbour of D. as 8 9 4 and India lost test is written as 6 4 1.
II. B, who is sitting between C and D, is second to the III. stay champion is not easy is written as 7 0 $ 8 #
right of E, who is not an immediate neighbour of and India lost his crown is written as 3 6 1.
C. B and A are facing each other. a. Only I b. Only II c. I and III
d. I and II e. I and either II or III

Part II Data Analysis & Interpretation

Directions (Q. Nos. 46-50) Study the table and answer 46. In 2014, if the number of female qualified
the given questions. candidates was 176, what was the respective ratio of
Data Related to Candidates Appeared and Qualified from State A number of male qualified candidates and number of
in a Competitive Exam During 5 Years female qualified candidates in the same year?
Respective Ratio of a. 25 : 16 b. 5 : 4 c. 25 : 11
Percentage of d. 21 : 16 e. 17 : 11
Number of Number of Qualified
Appeared
Year Appeared Male and Number of
Candidates who
Candidates
Qualified
Qualified Female 47. The number of appeared candidates increased by
Candidates
40% from 2010-15. If 25% of the appeared candidates
2010 700 3:2
qualified in 2015, what was the number of qualified
2011 5:3
2012 480 60%
candidates in 2015?
2013 42% 9:5 a. 240 b. 225 c. 255
2014 900 64% d. 245 e. 230

Bankin Guru November 2017 59

48. In 2011, the respective ratio of number of 55. What is the difference between the volume of
appeared candidates to qualified candidates was 5 : 4. milk used for milk products in 2016 and that in 2012?
Number of female qualified candidates constitutes a. 24 lakh L b. 28 lakh L c. 32 lakh L
what percent of number of appeared candidates in d. 35 lakh L e. 34 lakh L
the same year? Directions (Q. Nos. 56-60) In each of the following
a. 20% b. 25% c. 30% d. 15% e. 40% questions, a question is asked followed by three
statements. You have to study the questions and all the
49. In 2013, if the difference between number of three statements given and decide whether any information
male qualified candidates and female qualified provided in the statement(s) are redundant and can be
candidates was 72, what was the number of appeared dispensed with while answering the questions.
candidates in 2013?
a. 800 b. 600 c. 900 d. 950 e. 850 56. What is the area of the given rectangle?
Statements
50. If the average number of qualified candidates in
2010 and 2012 was 249, what percent of appeared I. Perimeter of the rectangle is 60 cm.
candidates qualified in the competitive exam in 2010? II. Breadth of the rectangle is 12 cm.
a. 40% b. 35% c. 30% d. 25% e. 20%
III. Sum of two adjacent sides is 30 cm.
a. Either I and II or II and III b. Only I
Directions (Q. Nos. 51-55) Study the following graph c. Only II d. Only III
carefully and answer the questions that follow. e. I or III
The Production of Milk in Various States 57. Who is the tallest among M, P, Q and R?
in Different Years
Bihar Andhra Pradesh Rajasthan UP
I. P is taller than Q but not as R.
90 II. R is taller than M.
80 III. M is taller than P but not as tall as R.
70 a. Only III b. Only II c. II or III
(In lakh litres)

60 d. Either I and II or I and III e. I or III

50
40
30
58. What will be the ratio between ages of Samir and
20 Anil after 5 years?
10 I. Samirs present age is more than Anils present
0
2011 2012 2013 2014 2015 2016 age by 4 years.
Year II. Anils present age is 20 years.
The percentage of Total Production Used to III. Anil and Samirs present ages are in the ratio of 3 : 4.
Make Milk Product. a. Either I and II or III b. Only II c. Only III
d. I or III e. II or III
2011
12% 59. X borrowed a sum of money on compound
2016
30% interest. What will be the amount to be repaid if he is
2012
20% repaying entire amount at the end of 2 years?
2015 I. The rate of interest is 5% per annum.
12% 2013 II. Simple interest fetched on the same amount in 1
14
20 % 18% years is ` 600.
8
III. The amount borrowed is 10 times the simple
interest in 2 years.
51. In which State is the production of milk a. Only III b. Only I
maximum over six years? c. I or II d. I or III
a. Rajasthan b. Bihar e. All I, II and III are required to answer the question
c. Andhra Pradesh d. Uttar Pradesh
e. Both Uttar Pradesh and Rajasthan 60. A boat will take how much time to cross the river
against the stream of the river?
52. The milk used for milk products in 2013 is what
I. In still water the speed of the boat is 15 km/h.
percent of the milk used for milk products in 2015?
II. The width of the river is 8 km.
a. 210% b. 102.27% c. 110.14%
d. 125.98 e. 97.05% III. The speed of the stream is 2 km/h.
a. Only I b. Only II c. Only III
53. Total production of milk in 2016 is what percent d. All I, II, III are required to answer the question
more than that in 2011? e. It is not possible to answer the question with the help of all
a. 64.56% b. 72.84% c. 89.29% three statement I, II and III.
d. 56.15% e. 69.23%
61. A man covers a certain distance on scooter. Had
54. What is the ratio of milk used for milk products he moved 3 km/h faster, he would have taken 40
in 2014 to 2011? minutes less. If he had moved 2 km/h slower, he
a. 3 : 7 b. 14 : 15 c. 2 : 5 would have taken 40 minutes more. The distance is
d. 12 : 13 e. 7 : 11 a. 42.5 km b. 36 km c. 37.5 km d. 40 km e. 45 km

60 Bankin Guru November 2017

62. Total wages for a work is ` 1280. A alone can do a c. Cumulative revenue of P and Q is more than the revenue of S
piece of work in 8 days, while B alone can do it in 12 in 2014.
d. All of the above
days. If A and B work on alternate days, then find the
e. None of the above
share of A.
a. ` 800 b. ` 500 c. ` 600 d. ` 700 e. ` 900 69. A person purchases 100 pens at a discount of
10%. The net amount of money spent by the person
63. Divide ` 2602 between A and B, so that the to purchase the pens is ` 600. The selling expenses
amount of A after 7 years is equal to the amount of B incurred by the person are 15% on the net cost price.
after 9 years, the interest being compound at 4% per What should be the selling price for 100 pens in order
annum. to earn a profit of 25%?
a. ` 1352, ` 1250 b. ` 1400, ` 1350 c. ` 1415, ` 1300 a.` 802.50 b. ` 811.25 c. ` 862.50
d. ` 1500, ` 1450 e. ` 1500, ` 1102 d. ` 875 e. ` 850.50
Directions (Q. Nos. 64-68) Answer the questions based 70. If from each of the three boxes containing 3 white
on the following graph. and 1 black, 2 white and 2 black, 1 white and 3 black
The Production of Four Products P, Q, R and S by a balls, one ball is drawn at random, then the
Company from the Years 2011-16. probability that 2 white and 1 black ball will be drawn
180
P Q R S is
165
155

160 13 27 19 12 17
140

a. b. c. d. e.
135

140 120
32 32 32 32 32
115
Production (in tonne)

120
105
102
75

Directions (Q. Nos. 71-75) Each of the question has two

95
95

95

100 quantities I and II. Compare the two quantities and mark
85
75

the correct answer.

40

70

80
62
60

55

60 Give answer
45

40

40

a. if Quantity I > Quantity II b. if Quantity I < Quantity II

35

40
c. if Quantity I Quantity II d. if quantity I Quantity II
25

20 e. if Quantity I = Quantity II or no relation

0
2011 2012 2013 2014 2015 2016 71. A rectangular box is of length, height and
Year breadth is to be made of tin. What is the area of tin
sheet required if the box has lid also?
64. In which year the annual growth rate of total
Quantity I. Length = 15 cm, breadth = 20 cm,
production (of all products) is highest?
height = 12 cm.
a. 2012 b. 2013 c. 2014 d. 2016 e. 2015
Quantity II. Length = 17 cm, breadth = 19 cm,
65. If the stability of the production during 2011-16 is height = 9 cm
defined as 72. Quantity I. Find the area of the trapezium whose
Average production parallel sides are 15 cm and 12 cm and the
, then
Maximum production Minimum production perpendicular distance between them is 19 cm.
which product is most stable? Quantity II. Find the area of the quadrilateral piece of
a. P b. Q c. R ground one of whose diagonal is 15 cm long and the
d. S e. None of these perpendicular from the other two vertices are 12 cm
66. If four products P, Q, R and S shown in the and 9 cm respectively.
graph are sold at price of ` 9, 4, 13 and 3, 73. Quantity I. A person gets simple interest of ` 1617
respectively during 2011-16, then the total revenue of in 3 years at 7% per annum. Find the principle.
all the products is the lowest in which year? Quantity II. In 2 years a person gets ` 19 more CI,
a. 2012 b. 2013 c. 2014 d. 2015 e. 2016 then SI at 2% as rate of interest. Find the principle.
67. Individual revenue of P, Q, R and S for the entire 74. Quantity I. Number of TVs sold this year in an
period (2011-16) is calculated based on the price of electronic store, if they sold 120 TVs last year and
` 9, 4, 13 and 3, respectively. Which product fetches 20% more this year.
the lowest revenue? Quantity II. Number of washing machines sold this
a. P b. Q c. R year in a store, if they sold 80 washing machines last
d. S e. None of these
year and 80% more this year.
68. Four products P, Q, R and S shown in the graph 75. Quantity I. Reduction in revenue when the tax
are sold at price of ` 9, 4, 13 and 3, respectively on a commodity is decreased by 15% and its
during 2011-16. Which of the following statements is consumption increased by 10%.
true?
Quantity II. Reduction in the revenue when the tax
a. Product R fetches second highest revenue across products in on commodity is decreased by 10% and its
2012.
b. Sum of revenue of P, Q and S is more than the revenue of R
consumption increased by 11%.
in 2015.

Bankin Guru November 2017 61

Directions (Q.Nos. 76-80) Study the following 77. What is the total number of boys in the Institute?
information to answer the questions given below. a. 160 b. 150 c. 140 d. 138 e. 150
There are 240 students in a management institute. Each
student opted for exactly one of the three specialisations 78. What percent of the number of students who
among Finance, HR and Marketing. opted for HR is the number of girls who opted for
The total number of students who opted for Finance and HR marketing?
is equal to the number of students who opted for Marketing. a. 85% b. 90% c. 80% d. 75% e. 95%
42.5% of the students who opted for Marketing are girls. The
number of girls who opted for Finance is one-third of the 79. What is the ratio of the number of girls who
number of boys who opted for Marketing. The difference opted for Finance and HR together to the number of
between the number of boys who opted for HR and the girls who opted for Marketing?
number of girls who opted for Finance is equal to the a. 3 : 2 b. 4 : 3 c. 5 : 4 d. 1 : 1 e. 2 : 1
difference between the number of boys who opted for
Finance and the number of girls who opted for HR. The 80. By what percent is the number of boys who
number of girls who opted for HR is 28. opted for Marketing more than the number of
students who opted for HR?
76. What is the number of students who opted for a. 15% b. 12.5% c. 17.5% d. 25% e. 13%
Finance?
a. 52 b. 56 c. 60 d. 64 e. 70

Part III General/Economic/Banking Awareness

81. Small Industries Development Bank of India 89. The concept of Micro Credit essentially
(SIDBI), set-up under which Act? concentrates on
a. SIDBI Act1989 b. SIDBI Act1987 a. consumption smoothening as and when needed
c. SIDBI Act1986 d. SIDBI Act1985 b. providing safe place to hold savings
e. SIDBI Act1990 c. accepting deposits
d. provision of credit to the poor
82. Which of the following is not e-banking e. facility to transfer money
software?
a. ECS b. RTGS 90. Which of the following services relate to
c. PIPS d. NEFT execution of transactions directly with consumers,
e. None of these rather than corporations or other banks?
83. What is the Name of international border shared a. Wholesale Banking Services
b. Industrial Banking Services
between India and China? c. Investment Banking Services
a. Line of Control b. The McMahon Line d. Corporate Banking Services
c. 39th parallel d. 45th parallel e. Retail Banking Services
e. 17th parallel
91. When was the demonetisation first time done in
84. Money laundering is related with India?
a. financial budget b. black money a. January, 1946 b. April, 1948
c. bank loan d. b and c c. August, 1949 d. April, 1950
e. None of these e. March, 1952
85. A bank without any branch network that offers 92. The Banking Ombudsman Scheme is introduced
its services remotely through online banking, under Section-35 A of the Banking Regulation Act,
telephone/mobile banking and interbank ATM 1949 by RBI with effect from
network alliances is known as a. 1995 b. 1999 c. 1990
a. Universal Banking b. Indirect Bank d. 1982 e. 1988
c. Door Step Bank d. A Direct Bank
e. Unit Banking 93. Life Devine is a book written by
a. MK Gandhi b. S. Radhakrishnan
86. Who was the first person to be awarded the c. R. Tagore d. Aurobindo
Bharat Ratna, posthumously? e. PM Ghosh
a. C. Rajagopalachari b. Dr. S. Radhakrishnan 94. The Associated Chambers of Commerce and
c. CV Raman d. Lal Bahadur Shastri
e. None of these
Industry of India (ASSOCHAM) is one of the apex
trade associations of India. It was established in
87. In the term STRIPS, the letter T denotes a. 1918 b. 1920 c. 1928
a. Truncation b. Transfer c. Transit d. 1934 e. 1946
d. Transport e. Trading
95. Which is the first National Park established in
88. The headquarters of NASDAQ stock exchange is India?
a. Washington DC (USA) b. New York (USA) a. Hazaribagh National Park b. Jim Corbett National Park
c. Tokyo (Japan) d. Frankfurt (Germany) c. Kanha National Park d. Ranthambore National Park
e. Beijing (China) e. Mudumalai National Park

62 Bankin Guru November 2017

96. NABARD was established on the 106. Chairman of the Bank Board Bureau (BBB),
recommendations of Vinod Rai has recently stepped down from the board
a. Shivaraman Committee b. Malhotra Committee of
c. Kumarmangalam Committee d. Rangarajan Committee a. HSBC Bank b. ICICI Bank c. lDBI Bank
e. None of these d. HDFC Bank e. IDFC Bank
97. The Aadhaar Enabled Payment System (AEPS) is 107. Which among the following is correct?
a bank-led model that facilitates banking facilities a. Banking Ombudsman is a senior official appointed by RBI.
through banking correspondents across banks. b. The Offices of Banking Ombudsman is mostly situated at
However, Aadhaar enabled basic types of banking State Capitals.
transactions do not include c. All Scheduled Commercial Banks, Regional Rural Banks and
Scheduled Primary Co-operative Banks are covered under
a. Aadhaar to Aadhaar funds transfer
the Banking Ombudsman Scheme.
b. Small overdraft facility
c. Cash withdrawal d. All of the above
d. Balance enquiry e. None of the above
e. Cash deposit
108. You heard the term GATT. The term GATT
98. Management of RBI consists of (Regarding stands for
Governor and Deputy Governors) a. General Agreement on Tariffs and Tradition
a. one Governor and not more than four Deputy Governors b. Global Agreement on Tradition and Trade
b. two Governor and not more than four Deputy Governors c. General Agreement on Tariffs and Trade
c. one Governor and not more than three Deputy Governors d. General Association on Tariffs and Transport
d. four Governors and not more than one Deputy Governor e. None of the above
e. three Governor and not more than two Deputy Governors 109. Which among the following is not a part of
99. ATM is a computerised telecommunications World Bank Group?
device that provides the clients a financial institution a. International Finance Corporation (IFC)
with access to financial transactions in a public space b. Multilateral Investment Guarantee Agency (MIGA)
without the need for c. International Center for Settlement of Investment Disputes
(ICSID)
a. cashier b. human clerk c. bank teller d. International Development Association (IDA)
d. All of these e. None of these
e. World Trade Organisation (WTO)
100. Stock exchange securities do not include 110. Allahabad Bank was nationalised on
a. debentures certificates a. November 25, 1980 b. July 19, 1969
b. small debentures issued by port trusts c. January 15, 1971 d. October 10, 1949
c. government promissory notes e. None of these
d. reverse repo rate
e. None of the above 111. Member countries of World Bank are
a. 186 b. 187 c. 188
101. The Definition of Banking is given in d. 189 e. 190
a. Negotiable Instrument Act, 1881
b. RBI Act, 1934 112. Which among the following countries has
c. The Banking Regulation Act, 1949 become 188th member countries of International
d. Contract Act Monetary Fund (IMF)?
e. None of the above a. South Sudan b. Afghanistan c. Nauru
d. Kosovo e. Tuvalu
102. When was SBI established?
a. April 1, 1935 b. July 31, 1969 c. May 5, 1955 113. The slogan of Axis Bank is
d. July 1, 1955 e. None of these a. Badhti Ka Naam Zindagi b. Good People to Bank with
c. Hum Hai Na d. Apno ka Bank
103. Which of the following Acts is useful in e. None of these
controlling HAWALA transactions?
114. Who has appointed as the Brand ambassador of
a. FEMA Act b. RBI Act c. DICGC Act
d. Banking Regulation Act e. None of these
Punjab National Bank in September 2016?
a. Amitabh Bachchan b. Yuvraj Singh
104. Often, we read in the newspapers that several c. Anushka Sharma d. Virat Kohli
Indian companies are taking the FCCB route to raise e. Deepika Padukone
capital. What does the term FCCB stand for? 115. Which of the following is the first Regional
a. Foreign Currency Convertible Bond Rural Bank of India?
b. Foreign Convertible Credit Bond a. AP Grameena Vikas Bank b. Chaitanya Godavari
c. Financial Consortium and Credit Bureau c. Andhra Pragathi d. Prathama Bank
d. Future Credit and Currency Bureau e. Baroda UP Gramin Bank
e. None of the above
116. The oldest Stock Exchange of Asia is
105. What is the currency of Croatia? a. Bombay Stock Exchange b. Calcutta Stock Exchange
a. Dinar b. Dollar c. Kuna c. Tokyo Stock Exchange d. Dhaka Stock Exchange
d. Croatian Franc e. Euro e. Afghanistan Stock Exchange

Bankin Guru November 2017 63

117. The government of India holds how much
percent stake in NABARD?
a. 75% b. 92% c. 99%
d. 50% e. 01%
118. The Nikkei index or the Nikkei Stock Average is
a stock market index for
a. OMX Nordic Exchange
b. Toronto Stock Exchange (TSX)
c. BM&F Bovespa
d. Deutsche Brse
e. Tokyo Stock Exchange
Part IV English Language
Directions (Q. Nos. 121-128) Read the following passage
and answer the questions that follow.
Their tea hot and fragrant, their pencils sharp and red,
delegates assembled in Beijing this week for Chinas
lianghui or two meetings, the annual gathering of the
countrys rubber-stamp Parliament (the National Peoples
Congress) and its political advisory body (the Chinese
Peoples Political Consultative Conference). There they heard
the outgoing Prime Minister, Wen Jiabao, declare the
governments economic targets and aspirations for the year
ahead, including 7.5% growth. But the deliberations at these
events were upstaged by an earlier, more arresting
announcement. On March 1, the State Council, Chinas
cabinet, spelled out fresh curbs on property speculation,
sending the housing market, the stock market and even the
marriage market into a tizzy.
The curbs impose higher down-payments and stiffer
mortgage rates on people buying second homes in property
hotspots. They also breathe new life into a pre-existing 20%
capital-gains tax on second-home sales, which had been a
dead letter until now. It is not clear when this measure will
take effect or what its consequences will be. In the long run,
it should curb speculative demand, helping to ease prices.
In the shorter run, it may have the opposite effect,
discouraging some sellers and prompting others to raise
their asking price so as to pass on the tax to buyers. The
immediate effect of the announcement was that Chinas
stock markets plunged, before regaining some ground.
Homeowners rushed to complete sales before the tax arrived.
The property office in Shanghai reportedly stayed open late
into the night to cope. Marriage registrars were equally busy.
Couples with multiple properties to their name hastened to
divorce each other to dilute their tax bills. The tax does not
apply to homes bought over five years ago as a sole
residence. So, married couples with two properties hoped to
escape the charge by becoming singletons with one property
each. According to Shanghai Daily, a local newspaper, a
registrar in the Zhabei district of the city recorded 53
divorces on March 5, surpassing the previous record of 42.
There are better ways to quell Chinas turbulent property
market. An annual levy on the market value of a home would
discourage owners from sitting on vacant flats in the hope of
making speculative gains. By renting out their properties,
these hoarders could pass the tax on to the tenant. Such a
tax could both curb demand for home purchases and
increase the supply of rental properties. The State Council
promised last month to extend a pilot version of this tax,
which is now confined to a handful of luxurious Chongqing
and Shanghai homes. But it has been saying that for a while.
Perhaps some of the bigwigs gathered in Beijing could pick
up their pencils and urge them to hurry up.
64 Bankin Guru November 2017
119. The headquarters of Pension Fund Regulatory
and Development Authority (PFRDA) is
a. Mumbai b. Hyderabad
c. New Delhi d. Chennai
e. Kolkata
120. In order to sign up your recently launched
Digital Locker (DigiLocker) by government of India,
one needs to have a mobile phone number linked to a
a. adhaar number b. PAN
c. bank account number d. safe deposit locker
e. passport number
121. Why the main discussion at the meeting
between National Peoples Congress (NPC) and
Chinese Peoples Political Consultative Conference
(CPPCC) diverted from the main theme?
a.Because of the plunge in stock market.
b.As the outgoing Prime Minister announced 7.5% growth.
c.Due to the rubber stamp policy of the government.
d.As the cabinet announced a curb on property speculation.
e.Not clearly mentioned in the passage
122. Which of the following is not an effect as per
the author that the curb on property speculation will
have?
I. It will curb speculative demand.
II. Sellers may increase the price of the property.
III. Mortgage rates will become stiffer.
a. All are effect b. Only I c. Only II
d. Only III e. Not clearly mentioned in the passage
123. Which of the following is not true as per the
passage?
a. The new curb on property speculation repealed the
pre-existing 20% Capital Gain Tax.
b. The annual levy on the market value of a home is already
applied to some luxurious homes in Chongqing and
Shanghai.
c. Prime Minister Wen Jiabao targeted an economic growth of
7.5% for the next year.
d. The Chinese Stock Market moved downwards after the
announcement of curb on property speculation.
e. All are true
124. Why did the number of divorce cases increase
after the announcement of curb on property
speculation?
a. Couples used this announcement as an excuse to get rid of
their partner.
b. So that they could become the owner of single property each
after they become single.
c. The curb was not applicable on divorced male and female.
d. To divert the attention of the government from the main issue
i.e., property tax.
e. Not clearly mentioned in the passage
125. If all the divorce case which had taken place on
March 5th (as mentioned in the passage) were due to
the result of curb on property speculation then
which of the following sentence can be true?
I. The marriage of all these couples had completed
at least 5 years.
 II. None of the marriage had completed 5 years.
a. Only I b. Only II
c. Either I or II d. None is true.
e. Both are true.
126. What alternative to the curb on property
speculation has the author mentioned?
a.Introduction of stiffer mortgage rate.
b.Make property market turbulence free.
c.To levy annual tax on the market value of home.
d.Protests by bigwigs must be organised.
e.Not clearly mentioned in the passage
127. Which statement(s) is/are true?
I. Property Offices in Shanghai remained open late
night due to rising number of divorce case.
II. The exact date from when the curb would be
applicable was known.
III. After the announcement, Chinese stock market
moved downwards before gaining the
momentum back.
a. All are true b. All except II
c. Only III d. All except I
e. None is true
128. What does the work RUBBER STAMP as
mentioned in the passage means?
a. Flexible Parliament
b. Stubborn parliament which disrespects CPPCC.
c. Parliament that has complete power.
d. Parliament is superior to any other body in China.
e. Parliament which gives approval to the decision of CPPCC
without consideration.
Directions (Q.Nos. 129-133) Read the following passage
and answer the questions that follow.
In the past few decades something amazing has happened.
The share and the number of extremely poor people in the
world (on the current definition, people who consume less
than $1.90 a day at purchasing-power parity) have plunged.
This is hugely welcome. People who live on less than $1.90 a
day are very poor indeedpoor, in fact, even by the
standards of the worlds poorest countries. So it is
regrettable that the steep decline in poverty is unlikely to
continue. Extreme poverty will probably not fall as quickly in
the next few years as it has done for the past few decades.
Why?
The World Bank, which tracks poverty, estimates that 1.9
billion people were extremely poor in 1981. In that year, the
poor accounted for 42% of the worlds population. In 2013,
by contrast, only 767 million people were poor. Because the
worlds population has grown so much in the interim, the
share of poor people in the population has fallen even faster,
to just below 11%. The single biggest reason for this
delightful trend is China. In 1981, almost unbelievably, 88%
of Chinese (and 96% of rural Chinese) seem to have lived
below the poverty line. In 2013 only 2% of Chinese were
extremely poor.
That cannot continue. China will soon eradicate extreme
poverty, if it has not done so already. So will countries like
Indonesia and Vietnam which have been almost as good at
cutting poverty. That leaves a rump of poverty in South Asia
and, especially, sub-Saharan Africa. In 2013, for the first
time, more than half of the paupers in the world were
African. Poverty will be much harder to root out in those
places. South Asian countries like Bangladesh and India
have decent economic growth but feeble welfare systems.
Africa doesnt even have the former, especially considering
how quickly its population is increasing. Besides, poor
Africans often live on much less than $1.90 a day, it is hard
to pull exceptionally poor people (sometimes called the
ultra-poor) over the line. Even African countries that are
growing fairly well, like Ethiopia and Rwanda, will have huge
poor populations for many years even if incomes rise across
the board.
The most obvious but least important consequence of this
change is that the world is likely to miss a target. The first of
the UNs sustainable development goals has the world
cutting poverty to 3% by 2030. That probably will not happen.
More important will be a broad loss of confidence. The war
on want has gone so well over the years that a sudden
slowdown will come as a shock. But at least deep poverty is
contained. It is no longer a global scourge, just a South
Asian and African one. That is some cause for celebration.
129. Which among the following explains about the
reason behind the failure of sustainable development
goal?
I. Detriment of confidence
II. Desertion of the combat on want
III. Increasing population
a. Only I b. Only II
c. I and III d. All of these
e. I and II
130. Which of the following statement is false
regarding extremely poor people as per the passage?
a. People who live on less than $1.90 a day are very poor.
b. In the next few years extreme poverty will probably not decline
quickly.
c. Only 2% of Chinese were extremely poor in 2013.
d. The share and the number of extremely poor people in the
world have increased.
e. It is difficult to pull poor people over the line.
131. Which among the following option (s) is/are
true in regard to the state of poverty in different
countries as per the passage?
a. Bangladesh and India have virtuous economic growth.
b. Indonesia and Vietnam are not tremendous at cutting poverty.
c. In 1891, 88% of Chinese seem to have lived below the
poverty line.
d. More than half of the tycoon in the world was African.
e. All of the above
132. Which among the following option (s) is/are
true regarding the increasing population of the world
as per the passage?
a. Population growth leaves a rump of poverty in South Asia and
sub-Saharan Africa.
b. Due to the world population growth, the number of poor
people in the population has fallen.
c. In 2013, the poor accounted for 42% of the worlds
population.
d. It leads to loss in confidence.
e. All of the above
133. What is appropriate title for the passage?
a. Development against Poverty
b. Situation of India in Poverty
c. Why the War on Poverty is About to get Harder
d. Poverty: A Comparison over Different Countries
e. None is suitable for the passage
Bankin Guru November 2017 65
Directions (Q. Nos. 134-140) In each of the following 142. Almost all commentators today argue in the same
questions five options are given, of which one word is breath about the issues of governance and
most nearly the same or opposite in meaning to given liberalisation. In other words, liberalisation may
word in the question. Find the correct option having or may not be accompanied by good governance. This
either the same or opposite meaning. as such is not surprising as liberalisation implies giving
134. A. Germane B. Irrelevant C. Germ greater importance to market forces while governance
D. Irk involves the working of institutions and provision of
a. A and B b. B and C c. A and D public goods. A casual perusal of some statistics for the
d. C and D e. B and D Indian economy indicates that while liberalisation may
135. A. Temerity B. Flaunt C. Audacity be working, good governance has been sadly lacking.
D. Terminate a. The two are completely dependent on each other.
a. A and B b. B and C c. A and C b. When we talk of liberalisation we must ensure that we know
d. C and D e. B and C what governance means.
c. Good governance can be obtained by liberalisation.
136. A. Decrease B. Degradation C. Degeneration d. It is difficult to understand the two concepts.
D. Depravity e. Yet the two are not necessarily related.
a. A and B b. B and C c. A and D
d. C and D e. B and D 143. United we stand, divided, were Indians. Indians
are that divided into castes, communities, linguistic and
137. A. Reprove B. Mortal C. Moral
ethnic groups, vegetarians, eggetarians, you name it.
D. Reprobate
a. A and B b. B and C c. A and D
A tiny fraction of the population is armed with
d. C and D e. B and D passports or PAN cards issued by the income-tax
department. Yet more have ration cards. These days, a
138. A. Dastardly B. Flirt C. Admirer still larger number have voter identity cards. Should we
D. Honourable still continue to complain about lack of official identity?
a. A and B b. B and C c. A and D
d. C and D e. B and D The real issue is having a unique identity, which
cannot be duplicated, either by design or by accident.
139. A. Care B. Admonish C. Speak a. Few population is completely against such division but we
D. Caution cannot control everyone.
a. A and B b. B and C c. A and D b. But we need some genuine identity card to remove this division.
d. C and D e. B and D c. These types of division proves harmful for the better future of
140. A. Gracious B. Sophisticated C. Callow the country.
d. A most potent divide is that between those who have an official
D. Delay
identity and those who dont.
a. A and B b. B and C c. A and D
d. C and D e. B and D e. This is only a part of divide that we see in India, there are many
other. One of them being the division related to genuine identity.
Directions (Q. Nos. 141-145) In each of the following
questions a short passage is given with one of the lines
144. It is unfortunate that our legislature is incapable
in the passage missing and represented by a blank. of handling economic legislation , there is now a
Select the best out of the five answer choices given, to wide debate on the modalities of implementing the
make the passage complete and coherent. SEZs, something that should have been done before
the Act was finalised. As a consequence, as the issue
141. As the teenagers mind races and he has taken political overtones, there are a lot of
strategises a route that involves multiple launching arguments for and against SEZs floating around. Yet
pads for superhuman leaps, his mother comes up there is little analytical clarity in many of these
from behind and orders him to shut down the arguments.
computer. He has entertained himself enough for a. and legislation does not deserves to have the privilege of
the day, with TV, football with his friends, and at passing such a law
least 100 pages of Eragon, re-read for the first time. b. we cannot imagine a country where SEZ are unorganised and
Time he got back to his Maths. After all, he has to no Act or law and order is not maintained
do it well in his 12th Board exams, do better in c. it must learn to do so because Economic zone forms an integral
part of business
assorted entrance exams and prepare himself for a
d. this is why even after the Model Act enabling states to set-up
successful life. This is a routine piece of family SEZs was passed by Parliament about four years ago
drama acted out in most middle-class homes of e. but nothing much can be done in this regard as framing a law
urban India with much sincere passion on the part regarding economic zone can be bit tricky
of all members of the cast involved.
145. The stock market may or may not determine the
a. But he continued to play the game on his console.
fortunes of the economy but it certainly determines the
b. The son protests that he has already studied enough for
the day. mood of the media and the general public. The fall in
c. Board exams are an important part of student life. stock markets worldwide last week has created gloom
d. Of all the game he liked football the most. all round. Many wonder whether a major economic
e. Maths was his favourite subject among all. crisis is in the offing. Fear not. Stock markets may be in
for a bad time but the global economic outlook remains

66 Bankin Guru November 2017

largely unchanged. There is a tendency to readily
associate a crash in the stock market with an
economic slump.
a. Crash is readily associated with stock market.
b. But even in bad times stock market can jump up anytime.
c. Stock market are the best source of profit making.
d. But prediction cannot be made in such cases.
e. That is because we have indeed seen such a link several
times in the past.
Directions (Q. Nos. 146-150) In the following questions,
sentences of a paragraph are jumbled up. Rearrange the
jumbled sentences to make it a meaningful paragraph.
You are required to find the statement that is not a part
of the given paragraph in terms of its context.
146. A. NASA could design another rover, equipped
with all sorts of life-hunting instrumentation, only to
find it is taking the wrong measurements with the
wrong detectors.
B. The reason scientists favour a sample return
mission is that they do not know exactly what
they are looking for.
C. Lunar rocks and soil were sealed in bags and only
opened in airtight laboratories.
D. Martian life, for example, could come in
many different guises and using equipment
designed to detect life on Earth, may not pick it
up on Mars.
a. Only A b. Only B
c. Only C d. Only D
e. None of these
147. A. This is the country where the leader of the
ruling party, the speaker of the lower House of
Parliament, at least three Chief Ministers, and
a number of sports and business icons are women.
B. It is also a country where a generation of newly
empowered young women are going out to work
in large number than ever before.
C. Its early days yet, but one hopes these are the first
stirrings of change.
D. Trust Law, a news service run by Thomson
Reuters, has ranked India as the worst G20
country in which to be a woman.
a. Only A b. Only B
c. Only C d. Only D
e. None of these
148. A. It came as something of a surprise when
scientists determined that human beings share
almost 99% of their genetic material with
chimpanzees.
B. Pre-human bipeds predated stone tools, which
appeared approximately 2.5 million years ago.
C. Despite all this held in common, however, the
differences are crucial and allow humans to be
allotted their won genus and species, Homo
sapiens.
D. This led one scientific journalist to refer to
humans as the third chimpanzee.
a. Only A b. Only B
c. Only C d. Only D
e. None of these
149. A. Moreover, for most nations, government debt
is projected to grow relative to income for years to
come.
B. The popularity of austerity policies has waned
over the past several years thanks to evidence that
it may have been counterproductive.
C. It is important to remember that there is an
absence of evidence that government with their
own currencies is too indebted.
D. But many are still worried by the fact that, relative
to national income, government debt is now
larger in many countries than at any point since
WWII.
a. Only A b. Only B c. Only C
d. Only D e. None of these
150. A. In general, it is fair to say that these activities
are performed more efficiently as a result.
B. Many activities that were previously performed
for free such as home maintenance, and care for
the sick and elderly, are now frequently
outsourced and counted as economic output.
C. People whose skills are worth, say, $50 per hour
spend more of their time earning $50, rather than
performing chores worth $10 or $20 per hour.
D. But many individuals, most of the time, go online
without any interest in buying something.
a. Only A b. A and B c. Only C
d. Only D e. None of these
Directions (Q.Nos. 151-155) Each of the following
questions has a paragraph from which the starting
sentence has been deleted. From the given options,
choose the one that completes the paragraph in the
most appropriate way.
151. .., it is evident no legal verdict can resolve
the vexed Ram Janmabhoomi-Babri Masjid dispute.
Way back in 1993, the Apex Court had indicated that
any Court verdict is fraught with risks. Although
much water has flown down the Sayaru since then,
Ayodhya remains a dispute that cannot afford a loser.
A case connected with the sentiment and security of
all Indians cannot be ruled upon as an ordinary title
dispute. Any solution that entails a winner and a
loser will be no solution. Such a verdict is bound to
trigger passions and destroy communal harmony.
a. With the Supreme Court refusing to fast-track it and pushing
for out-of-court negotiations
b. With the view to maintain the communal harmony between the
two sects, the Supreme Court wants a common agreement
and
c. There is nothing that cant be solved through mutual consent
the honourable Supreme Court reckons
d. To maintain the communal harmony between the two sects,
the Supreme Court wants them to discuss the matter out of
the court premise
e. None of the above
152. . the spiritual leader of Iraqs Shiites,
Grand Ayatollah Ali al-Sistani, for this years medal."
The recommendation came from New York Times
ace columnist, Friedman. For emphasis, he added,
Im serious. This was in 2005, Friedman was in
Bankin Guru November 2017 67
with President George W. Bush. In ecstatic
pieces for the worlds most powerful
newspaper, the New York Times, he
repeatedly described the occupation of Iraq as
historys greatest effort at democratisation.
a. During the Nobel Prize distribution, it is likely that the
man who can be nominated is
b. As we approach the season of the Nobel Peace
Prize, I would like to nominate
c. As we are about to enter the season of the Nobel Peace
Prize, I would want to nominate as per my choice
d. When the Nobel Prize distribution will take place, a lot
of people would nominate a man who is
e. None of the above
153. . in the power of education, I was
thrilled to know that NCERT was planning a
review of its school textbooks to incorporate
the latest developments. Kudos to the
government for doing something that was
long due. Reasons for the unease of people
concerned about the quality of education are
manifold. An important one among them is
the relevance of what is being taught to the
current environment. This is also the reason
being cited by the government for the exercise.
It says that it wants to incorporate the latest
developments like Demonetisation and Goods
and Services Tax in the school textbooks.
a. As a part of the education industry more importantly,
being an ardent believer
b. Interested in the education industry and even more
importantly, be an ardent believer in the essence
c. Being a part of the education industry and even more
importantly, being an ardent believer
d. As an educationist and academician, I want this
move badly for I believe
e. None of the above
154. I believe that India and America are
indispensable partners in meeting the challenges of their
times. I agree wholeheartedly with the assessment and feel
strongly that Indian-Americans can play a key role in
strengthening that partnership and helping India achieve its
full potential. Because of their accomplishments in the USA
and understanding of India, Indian-Americans are uniquely
positioned to step forward and provide assistance to address
pressing issues in their mother country.
a. In 2010, when his first visit to India was made, President Barack
Obama proclaimed
b. In 2010, making his first visit to India, President Barack Obama
proclaimed proudly
c. During his first visit to India, President Barack Obama proclaimed in
2010 that
d. While making his first visit to India, President Barack Obama
proclaimed in 2010 that
e. None of the above
155. full-up feeling, which makes it a complete meal
in itself. From being an integral part of our dinner/lunch, it
started occupying an important space in our kitchen as a
snack, in the form of instant noodles. Instant, or generally
pre-cooked, noodles provided respite by helping us prepare
a meal in just two minutes. From backpackers to hikers,
from hostellers to housewives, everyone loved them. But
the recent controversy put all noodles under the scanner
and also made them go off the kitchen shelves of many.
a. Asians have been in love with noodles, for the fun, taste and a taste
for ages for
b. For the fun, taste and a flavour, Asians, for ages have been in love
with noodles
c. This is evident that Asians have been loving noodles and its taste for a
long time
d. Asians for ages have been in love with noodles, for the fun, taste
and a
e. None of the above

Hints & Solutions

1. (b) 2. (d) 11. (b) & < % < @ =
<
3. (e) From I and III H < $
Orange
Circle Square If we decode the given options then we will
Red Blue Rectangle get;
Option (a) G H > R Q < N > P
Diagonal
Option (b) B = R > N S > Q < P
From (II) and (III), Hence, from both the options, we can Option (c) E > N < F > R > P Q
determine the conclusion. Option (d) M > Q < R = T > N P
Red Orange Blue Option (e) R U > V < P = N > Q
6. (b) Nidhi Agarwal does not fulfill condition Now N $ R means N > R and P & Q means
Hence, from both the conditions, we can (iv), therefore, she is not to be selected. P Q
determine the conclusions. 7. (d) Both the given conclusions are definitely
4. (c) From I and III false only in option (b).
Solutions (Q. Nos. 8-10) # for last letter m,
Orange % for last letter t, @ for last letter e, and ! for 12. (d) If we decode the given options then
Red Blue last letter g. Number represents number of we will get;
alphabets in word and Alphabet represents Option (a) M < A > R H > E < P
Hence, from statement (I) and (III), we can the first letter of word. Option (b) F D = A H < E > R
determine the conclusion. Option (c) E > F = A < R G H
8. (a) The code for raising is !r7.
Option (d) E = V > A H < P R
5. (e) From I and III 9. (c) The code for fire arm morning is @f4 Option (e) R > M < H = E > B A
Circle
!m7 #a3. Now A H E means A E and R% H means
Square R < H.
10. (c) @s6 %s5 !m6 stands for making
Rectangle
strike sight. Both the given conclusions are definitely
false only in option (d).
From (I), (II) and (IV),

68 Bankin Guru November 2017

13. (a) Both actions I and II follow. The 28. (3) After analysing DFD diagram, all Step IX 315 81 200 43 55 24 kelvinator
committee will probe the exact reason and options show that patient can collect his/her electrolux bluestar hitachi whirlpool godrej
give suggestion to minimise the problem. report from the hospital. After report sharp
Action II will help to maintain the record of generation if the patient report is positive, 38. (b) 39. (d) 40. (a)
children and hence help to find the missing doctor will suggest for operation.
ones. III is not a practical solution. 41. (d) From I and II,
29. (a) SAGA-220 (Supercomputer for A
14. (e) I follows because tax reliefs will tide Aerospace with GPU Architecture-220 E
the industry over during the recession. teraflops) is a supercomputer built by the
Action II does not follow. We dont know Indian Space Research Organisation (lSRO). C D
whether recession is permanent. Action III
30. (e)
does not follow because recession occurs
because of problem in demand. So, it is the 31. (e) B
purchasing power that needs to be boosted. Solutions (Q.Nos 32-36) Hence, the final Not all of them are facing the centre.
15. (b) I does not follow because stopping arrangement is as follows Therefore, I and II together are sufficient.
vigilance would be a foolish thing to do. A From I and III,
better solution could be to reduce vigilance Flat No Flat no Flat no Flat no
1 2 3 4 D
during nights a little and reinforce daylight
4th floor XXX F J H E
vigilance as Action III suggests. Killing
criminals is equivalent to giving punishment 3rd floor G A L XXX
B
and this is an area for the judiciary, not for 2nd floor D I C K
the police. So, Action II does not follow. 1st floor B XXX M E
A
C
Solutions (Q.Nos. 16-20) According to the 32. (a) 33. (a) 34. (c) 35. (e) 36. (d)
given information. Not all of them are facing the centre.
(Aries) 37. (c) Therefore, II and III together are sufficient to
C
Solutuion (Q. Nos. 38-40) According to the answer.
(Aquarius) D E (Leo) given information From II and III
The machine rearranges first the numbers A
and then the words. For numbers, it starts E
(Virgo) G A (Libra) rearranging with the numbers divisible by 5
but the biggest number divisible by 5 is
C
taken first. Rest of the numbers (not
(Cancer) B F (Pisces) divisible by 5) are rearranged in D
H descending order. Both divisible and
(Capricorn) non-divisible by 5 are taken in alternate B
steps. As for words, they are rearranged Not all of them are facing the centre.
Family tree +
C according to decreasing number of vowels.
Thus, II and III together are sufficient to
If there are two words having the same
Sister answer.
number of vowels, then words are arranged
+
GF E in alphabetical order. If there are two words 42. (a) From I T > R > Q
+ + having equal number of vowels and there is From II S > P > Q
H + A
B repetition of a vowel in a word, then this From III T is not the heaviest.
word will come after other words having the
From I and II together
D same number of vowels and alphabetical
order will not be applicable. Q is lighter than P, R, S and T. Thus, Q is the
16. (a) 17. (c) 18. (e) 19. (a) 20. (c) lightest. Therefore, only I and II together are
Input 24 whirlpool 55 kelvinator 81 godrej
Solutions (Q.Nos. 21-25) According to hitachi 200 electrolux 43 bluestar 315 sharp sufficient.
given information From II and III together.
Step I 315 24 whirlpool 55 kelvinator 81
Year Employee Colour godrej hitachi 200 electrolux 43 bluestar We cant say anything about R. So, we
sharp cant say exactly who is the lightest.
1969 Q Red
1972 P Brown Step II 315 81 24 whirlpool 55 kelvinator Therefore, II and III together are not sufficient.
1978 V Pink godrej hitachi 200 electrolux 43 bluestar From I and III together we cant say
sharp anything about P and S. So, we cant say
1986 S Purple
1990 W Yellow Step III 315 81 200 24 whirlpool 55 who among them is the lightest.
1996 T Black kelvinator godrej hitachi electrolux 43
bluestar sharp 43. (b) From I We dont know the direction of
2002 R Grey Anita. So, we cant predict the direction of
2005 U White Step IV 315 81 200 43 24 whirlpool 55
Tinu.
kelvinator godrej hitachi electrolux bluestar
sharp From II
21. (c) 22. (d) 23. (d) 24. (e) 25. (d)
Step V 315 81 200 43 55 24 whirlpool N
26. (d) Receptionist refuses to take money
from the patient because clearly we can see kelvinator godrej hitachi electrolux bluestar ACW
in the DFD diagram, for admission of sharp.
patient, there is demand of ` 10000 from Step VI 315 81 200 43 55 24 kelvinator 45
reception. whirlpool godrej hitachi electrolux bluestar
W E
sharp 90
27. (d) If patient submit ` 7000, then
treatment is refused so option (a) does not Step VII 315 81 200 43 55 24 kelvinator
follow. And in DFD nowhere mention about electrolux whirlpool godrej hitachi bluestar
the details of treatment facility. So, we sharp Moonga
cannot consider option (c). But, option (b) Step VIII 315 81 200 43 55 24 kelvinator S
and (e) shows patient is discharged from the electrolux bluestar whirpool godrej hitachi
hospital. sharp

Bankin Guru November 2017 69

Finally, Moonga is facing South-West. Thus, 48. (c) Suppose, the number of appeared Total production of milk in 2011
Tinu will be facing North-East, which is candidates = 5 x = (10 + 20 + 40 + 60) L = 13 . crore L
exactly opposite South-West. Therefore, Qualified candidates = 4 x (2 .2 1. 3)
only II is sufficient. Required percent = 100
3 13
.
From III Nothing is mentioned about the Qualified female candidates = 4x
8 = 69 .23% more
direction of Anita.
3x than the production of 2011.
Therefore, only III is no sufficient. =
2 54. (d) The milk used for milk products in
44. (c) From I R is the only son of X. X is 3x 8
either the father or mother of R. Required percentage = 100 2014 = (20 + 30 + 50 + 80)
2 5x 100
From II R is the son of either Y or Z.
Gender of Y and Z is still unknown. = 30% = 14.4 lakh L
From III Y has one brother and Y is the The milk used for milk products in 2011
49. (b) According to the question,
12
mother of P. 9 x 5 x = 72 = 13
. = 15.6 lakh L
From I and II Gender of X, Y and Z is 100
4 x = 72
unknown. Required ratio = 14 . 4 : 15 . 6
x = 18
So, we cant find the relation. = 12 : 13
From II and III Z is the brother of Y and Z is The number of qualified candidates
55. (a) The milk used for milk products in
the only son of G and hence father of R. = 9 x + 5 x = 14 x = 14 18 = 252 30
2016 = 2 .2 = 66 lakh L
Nothing is mentioned about X in either of Let the number of appeared candidates in 100
the statements II or III. So, even by year 2013 = a
The milk used for milk products in 2012
combining both the statements we cant 42
a = 252 a = 600 20
find the relation. 100 = ( 30 + 50 + 60 + 70)
From I and III Nothing is mentioned about 100
50. (c) Let, the number of qualified 20
Z in either of the statements I or III. So. we = 210 = 42 lakh L
candidates in year 2010 = x 100
cant find the relation.
From I, II and III together. R is the son of X The number of qualified candidates in year Required difference
480 60
and Z is the father of R. Thus, X is the wife 2012 = = 288 = ( 66 42 ) = 24 lakh L
of Z. 100
According to the question, 56. (a) Area of a rectangle = l b
Hence, all statements I, II and III together are
necessary. x + 288 = 2 249 Where, l = Length of the rectangle
45. (c) From I x = 498 288 b = Breadth of the rectangle
India lost his ranking 3 1 5 6 (i) x = 210 From the Statement I,
England defeat India 2 9 1 (ii) Percentage of appeared candidates who Perimeter of the rectangle
210 = 2( l + b ) = 60
From II qualified in 2010 = 100 = 30%
Test champion England 8 9 4 (iii) 700 l + b = 30 (i)
India lost test 6 4 1 (iv) 51. (b) Total production of milk in Bihar From the Statement II,
From III = ( 60 + 60 + 70 + 80 + 60 + 70) lakh L b = 12 cm (ii)
Stay champion is not easy 7 8 0 $ # (v) = 400 lakh L = 4 crore L l = 30 12 = 18 cm
India lost his crown 3 6 1 (vi)
Total production of milk in Andhra Pradesh Area = 18 12
From I and II
= ( 40 + 70 + 50 + 30 + 70 + 60) lakh L So, for calculating the area of a rectangle
From Eqs. (i) and (ii), India 1
= 320 lakh L = 32. crore L the statements either I and II or II and III are
From Eqs. (i) and (iv), lost 6
Total production of milk in Rajasthan necessary.
Thus, statement I and II together are
sufficient. = (10 + 50 + 10 + 20 + 40 + 50) lakh L 57. (d) From the Statement I,
From II and III, From Eqs. (iv) and (vi), = 18. crore L R > P> Q
India lost 1 6 Total production of milk in Uttar Pradesh From the statement I and II it is clear that
We cant determine the exact code for lost. = (20 + 30 + 20 + 50 + 50 + 40) lakh L the R is the tallest among M, P, Q and R.
Therefore, statement II and III together are = 2.1 crore L From statement I and III,
not sufficient. R>M>P>Q
In Bihar, the production of milk is the
From I and III maximum during the six years. Thus, either I and II or I and III necessary to
From Eqs. (i) and (vi), answer the question.
52. (b) Total production of milk in 2013
India lost his 1 6 3
= (10 + 20 + 50 + 70) lakh L 58. (a) Let x year is Samirs present age and
From Eqs. (i) and (ii), India 1
= 15
. crore L y year is the Anils present age.
lost his 6 3
The milk used in milk products From the statement I,
Thus, I and III together are not sufficient.
= 15
.
18
= 27 lakh L x= y+ 4
46. (c) Number of qualified candidates in 100 From the statement II,
900 64
2014 = = 576 Total production of milk in 2015 y = 20 yr
100
= ( 40 + 50 + 60 + 70) = 2.2 crore L From statement I and II ,
Number of qualified male candidates
The milk used in milk products x = 24 yr
= 576 176 = 400
12
Required ratio = 400 : 176 = 25 : 11 = 2.2 = 26.4 lakh L 29
100 Required ratio =
25
47. (d) Number of appeared candidates in 27
140 Required percent = 100 From the statement III,
2015 = 700 = 980 26.4
100 y 3
= 102 .27% Ratio of present ages = =
Total number of qualified candidates in x 4
25 53. (e) Total production of milk in 2016 Therefore, either I and II or III are sufficient
2015 = 980 = 245
100 = ( 40 + 50 + 60 + 70) = 2.2 crore L to answer the question.

70 Bankin Guru November 2017

59. (e) From question statement, Sum of Clearly, A worked for 5 days from starting 67. (b) Total revenue of product
money borrowed by x = Unknown 1 5 P = 275 9 = ` 2475
Work done by A in 5 days = 5=
T = 2 yr 8 8 Total revenue of product
t
CI = P 1 +
r A s share =
5
1280 = 5 160 = ` 800 Q = 410 4 = ` 1640
P
100 8 Total revenue of product
Where, P = Sum of money 63. (a) Let, the first part be ` x. R = 589 13 = ` 7657
r = Rate of interest annually Then, second part = (2602 x ) Total revenue of product
t = Time According to the question, S = 755 3 = ` 2265
7 9
x 1 +
From the statement I, 4 4 Thus, product Q fetches the lowest revenue.
= (2602 x ) 1 +
Annual rate = 5% 100 100 Note We can solve this question only by a
9
From the statement I and II, 1 + 4 sharp view of the chart. Two products with
P rt P 51 lower prices are Q and S. But the product S
SI = 600 = x 100
= is highest among all the products. So, Q
100 100 (2602 x ) 4
7

600 100 1 + fetches the lowest revenue.

P= = ` 12000 100
5 2
68. (c) We will check the options one-by-one.
= 1 +
x 4
Now, from the statement I, II and III, we have Option (a) For the year 2012,
all the data required to calculate the CI. So, (2602 x ) 100 Revenue from P = 25 9 = ` 225
statements I, II and III are neccessary to 26 26 676
= = Revenue from Q = 40 4 = ` 160
solve the question statements. 25 25 625
Revenue from R = 95 13 = ` 1235
60. (d) In still water the velocity of boat is 625 x = 676 2602 676 x
Revenue from S = 155 3 = ` 465
= 15 km/h 1301x = 676 2602
676 2602 Product R fetches highest revenue.
Velocity of the stream = 2 km/h x=
1301 Hence, option (a) is false.
Relative velocity of the boat
x = 676 2 Option (b) For the year 2015,
= 15 2 = 13 km/h x = ` 1352 Total revenue from P, Q and S
Distance = 8 km The two parts are ` 1352 and = 75 9 + 40 4 + 85 3 = ` 1090
Distance 8
= ` (2602 1352 ) = ` 1250
Time = Revenue from R = 135 13 = ` 1755
Velocity 13 64. (b) Total production of all the four Therefore, option (b) is false.
Therefore, to answer the question all data products
Option (c) for the year 2014, cumulative
given in statements I, II and III are required. In year 2011 = 45 + 95 + 75 + 115 = 330
revenue from P and Q.
61. (d) Let distance and original speed of the In year 2012 = 25 + 40 + 95 + 155 = 315
= ( 45 + 25 + 40 + 35) 9 + ( 95 + 40
man be d km and s km/h. Then, In year 2013 = 40 + 105 + 102 + 165 = 412
d d 2 In year 2014 = 35 + 60 + 62 + 140 = 297 + 105 + 60) 4
= = 145 9 + 300 4 = 1305 + 1200 = `
s s+ 3 3 In year 2015 = 75 + 40 + 135 + 85 = 335
In year 2016 = 55 + 70 + 120 + 95 = 340 2505
d (s + 3 s ) 2
= Now, growth rate of total production Revenue from
s( s + 3) 3
412 315 S = (115 + 155 + 165 + 140) 3
9 d = 2 s ( s + 3) (i) In year 2013 = 100%
315 = 575 3 = ` 1725
d d 2 d (s s + 2 ) 2 = 3079
and = = . % Thus, option (c) is true.
s2 s 3 s( s 2 ) 3 335 297
In year 2015 = 100% 69. (c) Cost price = Money spent by the
3 d = s( s 2 ) (ii) 297
person to purchase + Selling expenses
From Eqs. (i) and (ii), we get = 12.79%
= 600 + 600
340 335 15
3s( s 2 ) = 2 s ( s + 3) In year 2016 = 100% = 149 = ` 690
. % 100
335
3s 2 6s = 2 s 2 + 6s Hence, selling price
In the remaining years, the total production
s 2 = 12 s
= 690 1 +
is decreasing. 25
= ` 862.50
s = 12 Hence, annual growth rate is highest in the 100
year 2013.
From Eq. (ii), we get 70. (a) Box 1 Box 2 Box 3
3 d = 12 (12 2 ) 65. (d) Consider for product S.
3W 2W 1W
d = 40 km Total production
1B 2B 3B
1 1 5 = 115 + 155 + 165 + 140 + 85 + 95
62. (a) Work for 1st 2 days = + = = 755 tonne
There can be three mutually exclusive cases
8 12 24 of drawing 2 white balls and 1 black ball.
755
5 8 5 Average production = = 125.83 tonne
Work for 8 days = = 6
Box 1 Box 2 Box 3
24 2 6 Case 1 1W 1W 1B
5 65 1 Maximum production = 165 tonne
Remaining work = 1 = = Minimum production = 85 tonne Case 2 1W 1B 1W
6 6 6
125.83 125.83 Case 3 1B 1W 1W
1 Thus, stability = = = 157
.
On 9th day, As work = 165 85 80 Required probability
8
1 1 Hence, other product have lesser stability. = P (W1 W 2 B3 ) (W1 B2 W 3 )
Remaining work after 9 days =
6 8 66. (c) Two products with higher prices are P ( B1 W 2 W 3 )
43 1 and R. = P(W1 ) P(W 2 ) P( B3 ) + P(W1 ) P( B2 ) P(W 3 )
= =
24 24 Their production is lowest in the year 2014. + P( B1 ) P(W 2 ) P(W 3 )
1 1 So, total revenue of all the products will be 3 2 3 3 2 1 1 2 1
B will finish this work in 12 = day = + +
24 2 the lowest in year 2014. 4 4 4 4 4 4 4 4 4

Bankin Guru November 2017 71

 26 13 Total number of students who opted for ATMs (often through interbank network
= =
64 32 240 alliances), mail and mobile.
Finance and HR = = 120
2
71. (a) Quantity I l = 15 cm, b = 20 cm, 86. (d)
Number of students who opted for
h = 12 cm Marketing = 120
87. (e) STRIPS stands for Separate Trading
Total surface area = 2( lb + bh + hl ) of Registered Interest and Principal of
Number of girls who opted for Marketing Securities.
= 2(15 20 + 20 12 + 12 15) = 120 ( 0.425) = 51
88. (b) The Nasdaq Stock Market is an
= 2( 300 + 240 + 180) Number of boys who opted for Marketing American stock exchange. It is the
= 2 (720) = 1440 cm 2 = 120 51 = 69 second-largest exchange in the world by
Quantity II l = 17 cm, b = 19 cm, Number of girls who opted for Finance market capitalisation, behind only the New
1 York Stock Exchange.
h = 9 cm = ( 69) = 23
3 89. (e) Micro-credit is the small credit given
Total surface area = 2( lb + bh + hl ) to poor and comes under the micro-finance
Number of girls who opted for HR = 28
= 2(17 19 + 19 9 + 9 17 ) services.
Let the number of boys who opted for
= 2( 323 + 171 + 153) 90. (b) Industrial Banking services relate to
Finance and HR be x and y respectively.
= 2( 647 ) = 1294 cm 2
execution of transactions directly with
x + y = 240 (23 + 28 + 51 + 69) = 69 (i) consumers, rather than corporation or other
Hence, Quantity I > Quantity II. and 23 y = (28 x ) banks.
72. (a) Quantity I Area of the trapezium x y= 5 (ii) 91. (a) Earlier, ` 1000 and ` 10000
1 banknotes, which were in circulation, were
= (Sum of the parallel sides) On solving both Eqs. (i) and (ii), x = 37 and
2 y = 32 demonetised in January, 1946, primarily to
(Perpendicular distance between them) curb unaccounted money.
The distribution of students is as shown below
1 1
= (12 + 15) 19 = (27 19) 92. (a) Banking Ombudsman is a quasi
2 2 Student Finance HR Marketing Total judicial authority functioning under Indias
= 256.5 cm 2 Boys 37 32 69 138 Banking Ombudsman Scheme 2006, and
Girls 23 28 51 102 the authority was created pursuant to a
Quantity II Here, d = 15 cm, decision made by the government of India to
Total 60 60 120 240
h1 = 12 cm, h2 = 9 cm enable resolution of complaints of
Area of quadrilateral 76. (c) 77. (d) customers of banks relating to certain
1 1 services rendered by the banks.
= d ( h1 + h2 ) = 15 (12 + 9) 78. (a) Required percentage
2 2 51
93. (4) Aurobindo (born Aurobindo Ghosh;
1 315 = 100 = 85 % August 15, 1872 5 December, 1950) was
= 15 21 = = 157.5 cm 2 60 an Indian nationalist, philosopher, yogi, guru
2 2
79. (d) Required ratio and poet. The book Life Devine was written
Hence, Quantity I > Quantity II. by him.
= (28 + 23): 51 = 51: 51 = 1:1
PRT
73. (b) Quantity I SI = 80. (a) Required percentage
94. (b) The Associated Chambers of
100 Commerce and Industry of India
P 73 69 60
1617 = = 100 = 15 % (ASSOCHAM) is one of the apex trade
100 60 associations of India. It was established in
1617 100 81. (a) The Small Industries Development 1920.
P = P = ` 7700
7 3 Bank of India Act, 1989 envisaged SIDBI to 95. (b) Jim Corbett National Park is a
2 be, the principal financial institution for the forested wildlife sanctuary in northern Indias
Quantity II CI SI = P
R
promotion, financing and development of Uttarakhand State. Rich in flora and fauna,
100 industry in the small scale sector. its known for its Bengal tigers. It was
2 2 established in 1936.
19 = P
2 1 82. (c) PIPS stand for Parallel Information
19 = P
100 50 Processing System. The programs in this 96. (a) National Bank for Agriculture and
system convert data between the portable Rural Development (NABARD) is an apex
P = 19 50 50 P = ` 47500
image map format (PNM) and the network development bank in India, headquartered
Hence, Quantity I < Quantity II. Common Data Format (NetCDF) and at Mumbai with branches all over India on
74. (e) Quantity I Number of TVs sold perform several operations on Net CDF files the recommendation of Sivaraman
120 in parallel using the Parallel Virtual . Committee.
= 120 = 144
100 83. (b) The McMahon Line is a line agreed to 97. (b) AEPS is a bank-led model which
by Britain and Tibet as part of the Simla allows online interoperable financial
Quantity II Number of washing machines
180 Accord, a treaty signed in 1914. It is the inclusion transaction at PoS (MicroATM)
sold = 80 = 144 effective boundary between China and India, through the Business correspondent of any
100
although its legal status is disputed by the bank using the Aadhaar authentication.
Hence, Quantity I = Quantity II Chinese government.
98. (a) The Central Board of Directors is the
75. (a) Quantity I Reduction in revenue 84. (b) Money laundering means main committee of the Central Bank. The
= (100) ( 85 110)
2 concealment of the origins of illegally government of India appoints the directors
obtained money, typically by means of for a 4-year term.
= 10000 9350 = 650 transfers involving foreign banks or
Quantity II Reduction in revenue legitimate businesses.
99. (d) An Automated Teller Machine (ATM)
is a computerised telecommunications
= (100) ( 90 111)
2
85. (d) A direct bank (sometimes called a device that provides customers with access
= 10000 9990 = 10 branchless bank, virtual bank or an to financial transactions in a public space
internet-only bank) is a bank without any with the help of a card without the need for a
Hence, Quantity I > Quantity II. branch network that offers its services human Clerk or Bank Teller.
Solutions (Q.Nos.76-80) According to given remotely via online banking and telephone
information banking and may also provide access via

72 Bankin Guru November 2017

100. (d) Reverse Repo rate is the short term
borrowing rate at which RBI borrows money
from banks. The RBI uses this tool when it
feels there is too much money floating in the
banking system.
101. (c) Definition of Banking is given in The
Banking Regulation Act, 1949. banking
means the accepting, for the purpose of
lending or investment of deposits of money
from the public, repayable on demand or
otherwise, and withdrawal by cheque, draft,
order or otherwise.
102. (b) The State Bank of India is
established in July 1, 1955. SBI is an Indian
multinational, public sector banking and
financial services company.
103. (a) The Foreign Exchange Management
Act, 1999 (FEMA) is an Act of the Parliament
of India, to consolidate and amend the law
relating to foreign exchange with the
objective of facilitating external trade and
payments and for promoting the orderly
development and maintenance of foreign
exchange market in India.
104. (a) A Foreign Currency Convertible
Bond (FCCB) is a type of convertible bond
issued in a currency different than the
issuers domestic currency.
105. (c) Officially the Republic of Croatia is a
sovereign State between Central Europe,
South-East Europe, and the Mediterranean.
Its capital city is Zagreb. Its currency is Kuna.
106. (e)
107. (d) The Banking Ombudsman Scheme
was introduced under Section-35 A of the
Banking Regulation Act, 1949 by RBI with
effect from 1995. The Banking Ombudsman
Scheme was first introduced in India in 1995
and it was revised in 2002. Banking
Ombudsman is appointed by Reserve Bank
of India.
108. (a) The General Agreement on Tariffs
and Trade (GATT) was a multilateral
agreement regulating international trade. It
was negotiated during the United Nations
Conference on Trade and Employment and
was the outcome of the failure of negotiating
governments to create the International
Trade Organisation (ITO).
109. (e) The World Trade Organisation
(WTO) is the only global international
organisation dealing with the rules of trade
between nations. At its heart are the WTO
agreements, negotiated and signed by the
bulk of the worlds trading nations and
ratified in their parliaments. The goal is to
help producers of goods and services,
exporters, and importers conduct their
business.
110. (b) Allahabad Bank, the oldest joint
stock Bank of the country, was set-up in
Allahabad on April 24, 1865 by a group of
Europeans. The Bank was nationalised on
July 19, 1969, along with 13 other major
commercial banks.
111. (d) The World Bank is an international
financial institution that provides loans to
countries of the world for capital programs.
112. (a) The International Monetary Fund
(IMF) is an organisation of 189 countries,
working to foster global monetary
cooperation, secure financial stability,
facilitate international trade, promote
high employment and sustainable
economic growth, and reduce poverty
around the world.
113. (a) Axis Bank, Indias third largest 127. (c)
private sector Bank, announced a new
Brand campaign- Badhti Ka Naam
Zindagi. Having established its
credentials as a customer-Centric Bank,
the new campaign aims to highlight the
Bank as a preferred partner in progress.
114. (d) State-owned Punjab National
Bank has roped in Indian test skipper
Virat Kohli as brand ambassador to
improve its image which has taken a hit
due to rising bad loans.
115. (d)
116. (a) The Bombay Stock Exchange
(BSE) is an Indian stock exchange
located at Dalal Street, Kala Ghoda,
Mumbai (formerly Bombay),
Maharashtra, India. Established in 1875,
the BSE is Asias first stock exchange. It
claims to be the worlds fastest stock
exchange, with a median trade speed of
6 microseconds.
117. (c) National Bank for Agriculture and
Rural Development (NABARD) is an apex
development bank in India,
headquartered at Mumbai with branches
all over India.
118. (e) The Nikkei 225 is a stock market
index for the Tokyo Stock Exchange
(TSE). It has been calculated daily by the
Nihon Keizai Shimbun (Nikkei)
newspaper since 1950. It is a price-
weighted index (the unit is Yen), and the
components are reviewed once a year.
119. (c) The Pension Fund Regulatory
and Development Authority (PFRDA) is a
pension regulator which was established
by the government of India on August 23,
2003.
120. (a)
121. (d) This can be seen from the line:
But the deliberations at these events
were upstaged by an earlier, more
arresting announcement. On March 1,
the State Council, Chinas cabinet,
spelled out fresh curbs on property
speculation.
122. (d) Point III is not the effect as per
the view of author that the curb will have.
It is a feature of the curb.
123. (a) The new curb does not repeal
rather it makes the tax re-functional.
124. (b) The number of divorce cases
increased after the announcement of
curb on property speculation so that they
could become the owner of single
property each after they become single
and escape tax charges.
125. (c) There is a line in the passage
saying, The tax does not apply to homes
bought over five years ago as a sole
residence. But this does not mean that
the marriage has taken place before 5
years.
Bankin Guru November 2017 73
126. (c) Answer is hidden in this line, There are
better ways to quell Chinas turbulent property
market. An annual levy on the market value of a
home would discourage owners from sitting on
vacant flats in the hope of making speculative
gains.
128. (d) Rubber Stamp: a person or
organisation that gives automatic approval or
authorisation to the decisions of others, without
proper consideration.
129. (e) 130. (d) 131. (a) 132. (b) 133. (c)
134. (a) Germane and irrelevant are antonyms
as germane means relevant to a subject under
consideration.
135. (c) Temerity and audacity are synonyms
as both means excessive confidence and
boldness.
136. (e) Degradation and depravity are
synonyms as both means moral corruption.
137. (d) Moral and reprobate are antonyms
as reprobate means unprincipled or immoral.
138. (c) Dastardly and honourable are
antonyms as dastardly means wicked or cruel
while honourable means honest or moral.
139. (e) Admonish and caution are synonyms
as both means warn (someone) of something
to be avoided.
140. (b) Sophisticated and callow are
antonyms as sophisticated means experienced
or enlightened while callow means
inexperienced and immature.
141. (b)
142. (e) By reading the next statement after the
blank In other words, liberalisation may or may
not be accompanied by good governance. it is
clear that both may or may not be related hence
option 5 suits the best.
143. (d) Option (d) connects well with the
preceding sentence and tells about the division
of Indians based on identity.
144. (d) After reading the next statement after
the blank i.e., there is now a wide debate on
the modalities of implementing the SEZs,
something that should have been done before
the Act was finalised. It is clear that the law has
already been passed. Hence, option (d) is best
suited.
145. (e)
146. (c) 147. (c) 148. (b) 149. (c) 150. (d)
151. (a) The paragraph tells about a dispute of
Ram Janmabhoomi and Babri Masjid which is
not to be resolve in court, so as a starting
sentence, option a is correct as it tell about the
Supreme Court refusal on the matter and an
out-of-court negotiation.
152. (b)
153. (c) Option (c) should be a starting
sentence as it connects well with the following
sentence and tells about the authors view
regarding education industry.
154. (e)
155. (d) Only option (d) fits in the paragraph as
an opening sentence as article a connects with
following word and makes in meaningful
statement.
 MOCK PAPER -1
ONLINE EXAM DECEMBER 2,3,9 and 10, 2017

Institute of Banking Personnel Selection

IBPS
( )
CLERK
Pre. Phase I Online Exam 2017
General Instructions
l
This crack set consists of 100 questions in three parts.
l
All questions are compulsory.
l
Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.
Do not spend too much time on any question.
Time 60 Min. Max. Marks 100
Part Subject Number of Questions
I English Language 30
II Numerical Ability 35
III Reasoning Ability 35

Part I English Language

Directions (Q.Nos. 1-5) Which of the phrases (a), (b), (c) 4. Depending on the location you select, the cost of
and (d) given below should replace the phrase given in setting up a new factory has vary from ` 50 lakh to
bold in the following sentence to make the sentence ` 10 crore.
grammatically meaningful and correct? If the sentence is is varied between will vary from varying about
correct as it is and No correction is required, mark (e) could vary around No correction required
as the answer.
5. Although other parts the world 20% of the farm
1. We have received many complaints from area is owned by women, in India women own less
customers and have appointed an auditor to help us than 7%.
identify the reason for the various delays. If in other parts However some parts
variety of delay various delay Where another part of While in other parts of
varied delaying variety delays No correction required
No correction required Directions (Q.Nos. 6-10) Rearrange the following six
2. A bank has loans to its own employees at interest sentence A, B, C, D, E and F in the proper sequence to
rates below the rate decided by RBI. form a meaningful paragraph; then answer the questions
is giving loans to loans their given below them.
can give loans to its has given loans for its A. Besides, they get a lot of exposure to novel things
No correction required through media.
B. Therefore, their mental development did not show any
3. The Indian banking sector is growing rapidly and extraordinary signs.
banks are opening much of branches in unbanked C. Children of the present generation appear to be smarter
areas. than their earlier counterparts.
many branches D. Thus, the environment of present days has brought out
numberous branch these changes.
mostly branch E. This is probably because there are lots of opportunities
as much branches as for their indirect learning.
No correction required F. Children of yester-years did not have these facilities.

74 Bankin Guru November 2017

6. Which of the following will be the FIFTH sentence Directions (Q.Nos. 21-30) Read the following passage
after rearrangement? carefully and answer the questions given below it.
A B C D E Once a large herd of elephants lived in a jungle. Their King
was a huge, majestic tusker. He looked after them with
7. Which of the following will be the SIXTH (LAST)
love and care. A severe drought hit the are As there was
sentence after rearrangement? no rain for a few years, all the rivers and tanks had dried
A B C D E
up. The wild elephants suffered for want of water. Their
8. Which of the following will be the SECOND King knew that it they did not get water soon, many of
sentence after rearrangement? them would die of thirst. He had to find water as quickly as
A B C D E possible.
He asked the elephant to go in different directions to look for
9. Which of the following will be the FIRST sentence water. One of them found a large lake full water in another
after rearrangement? jungle far away. The King ordered all the elephants to make
A B C D E their way to the lake. Close to it was a colony of rabbits. The
10. Which of the following will be the THIRD elephants had to pass through this colony. Thousands of
sentence after rearrangement? rabbits were trampled to death and thousands more were
A B C D E
injured. The rabbits were in a panic. Their king called a
meeting.
Directions (Q.Nos. 11-15) Read the sentence to find out A herd of wild elephants is passing through our colony,
whether there is any grammatical error or idiomatic error he said. They have already killed or injured thousands of
in it. The error, if any, will be in one part of the sentence. us. We have to take urgent steps to prevent more deaths. I
The letter of that part is the answer. If there is no error, want all of you to think of a way to save our race. One little
the answer is (e). (Ignore errors of punctuation, if any). rabbit stood up. Your Majesty, He said, if you send me
as your messenger to the King of the elephants, I may be
11. The scheme has been (a)/ implemented only in able to find a solution. By all means, go as my messenger
these (b)/ part of the country and the (c)/ Prime and see what you can do, said the King. The little rabbit
Minister will visit it shortly. (d) No error (e) hurried out. He saw a group of elephants returning from
the lake. Right in the middle was the King. To get near him
12. The company has (a)/ decided to sell half (b)/ of it was impossible. I will be crushed to death, thought the
shares (c)/ to a Chinese firm. (d) No error (e) rabbit. So he climbed up a huge rock. Oh, king of the
elephants, he shouted, hear me, pleasse..
13. Rajiv has won a prize of (a)/ two million dollars
The King heard his voice and turned towards him. Well,
which (b)/ has to be shared (c)/ with all his team who are you? he asked. I am a messenger from the
members. (d) No error (e) mighty Moon, replied the rabbit. What is your business?.
14. We have an account (a)/ with this bank and (b)/ Is there a message for me from the Moon? asked the King.
find the staff much (c)/helpful and knowledgeable. (d) To this the rabbit said, Yes, your Majesty. The King said,
No error (e) Very well. Say what you have been sent to say. Sir, said
the little rabbit, the Moon has this to say,
15. By opening so many (a)/ branches in such a (b)/ You, the King of the elephants, have brought your herd to
short time, they have (c)/ used the wrong strategy. (d) my holy lake and soiled its waters. You have killed
No error (e) thousands of rabbits on your way to the lake. You know that
rabbits are under my special protection. Everyone knows
Directions (Q.Nos. 16-20) Pick out the most effective that the King of the rabbits lives with me. I ask you not to
word from the given words to fill in the blank to make the kill any more rabbits. Otherwise something terrible will
sentence meaningfully complete. happen to you and your herd.
The King of the elephants was shocked. He looked at the
16. There is no need of any proof because little rabbit. You are right, he said. We may have killed
everything is very ......... . many rabbits on our way to the lake. I shall see that you do
obvious uncertain definite not suffer anymore. I shall request the Moon to forgive me
regular essential for my sins. Please tell me what I should do. Come with
17. Onions grow in .............. in this part and hence me alone, replied the rabbit. Come, I shall take you to the
Moon. The little rabbit took the huge elephant to the lake.
they are always very cheap here.
There they saw the Moon reflected in the still waters.
demand abundance peak There, your Majesty, meet the Moon, said the little rabbit.
excessive dearth
Let me worship the divine Moon, said the elephant, and
18. Normally he is very ............ in his behaviour, but dipped his trunk into the water. At once the water was
on that occasion he behaved very aggressively. disturbed. The Moon seemed to mover to and fro. The
rude obedient docile rabbit said, Now the Moon is angrier than ever. Why ?
intolerant immature asked the King. What have I done ? You have touched
the holy waters of the lake, replied the rabbit.
19. If you .... in advance, you will get some concession. The elephant bowed his head. Please ask the Moon to
buy work submit forgive me. Never again will we touch the holy waters of
pay decide this lake. Never again will we harm the rabbits whom the
20. I have in my album photographs of some of my Moon loves so much. And the King and his herd went
very close friends ............, I can never forget. away. Soon there was rain and the elephants lived happily.
that who whom which those
It did not occur to them ever that a little rabbit had
fooled them.

Bankin Guru November 2017 75

21. Why did the King of elephants have to look for
another source of water?
As it was his duty to look for a new source of water
every year.
As a famine had hit the area where the elephants lived and
there was scarcity of water.
As the other elephants wanted to drink the same water as the
rabbits.
As the water in the area where the elephants lived was dirty.
As the elephants did not like the taste of the water that was
available in the area where they lived.
22. Why were the rabbits in a panic?
The King of elephants had warned the King of rabbits that he
would kill the entire rabbit race.
The area in which they lived was hit by a severe drought.
The elephants had killed and harmed many rabbits on their
way to the lake.
There was no water left for the rabbits to drink after the
elephants had their share.
None of the above
23. Which of the following cannot be said about the
little rabbit messenger?
A. He was a coward.
B. He hated his King.
C. He was intelligent.
Only B Only C Only A
B and C A and B
24. What happened to the herd of elephants finally?
It attacked the rabbits and killed all of them
It decided to migrate and settle next to the lake in the jungle
The King of rabbits killed the herd of elephants
The entire herd perished due to lack of water
It never returned to the lake in the jungle
The rock was used as a stage all the time by the rabbits.
He was afraid he would get trampled and killed if he went
near the herd of elephants.
He could see all the elephants clearly from there.
26. Which of the following is true about the King of
elephants as can be inferred from the story?
He and his herd had trampled and killed rabbits unintentionally.
He was afraid of the King of rabbits.
He had deliberately killed many rabbits.
He wanted the lake in the jungle all for himself.
All are true.
27. Which of the following can be the most
appropriate title for the story?
The Mighty King The Moons Message
The Brave Elephant King The Lake in the City
The Elephants Revenge
28. What, according to the little rabbit, was the
message from the Moon?
A. The king of rabbits lived with the Moon.
B. The lake was sacred to the Moon.
C. The rabbits were protected by the Moon.
Only A All of these A and C
Only C B and C
29. What did the King of elephants do when he
heard the message from the Moon?
He laughed at the rabbit and left the lake.
He ignored the message and continued to drink water from
the lake.
He asked the rabbit to beg for forgiveness from the Moon.
He went to the lake to ask for the Moons forgiveness.
He informed his herd about the angry Moon.

25. Why did the little rabbit messenger convey the 30. How did the elephant see the Moon?
Moons message from the top of a rock? From its reflection in the water
In the little rabbits eyes
The message could be heard better from the rock than any In the sky
other place in the jungle. Not mentioned in the passage
The King of rabbits had asked the little rabbit to do so. None of the above

Part II Numerical Ability

Directions (Q.Nos. 31-35) In each of the following Directions (Q. Nos. 36-40) What approximate value
number series only one number is wrong. Find out that should come in place of the question marks in the
wrong number. following questions? (You are not expected to calculate
the exact value.)
31. 2, 3, 8, 27, 112, 566, 3396
566 27 8 36. 473 971 27 ?
112 3 55 351 61
32. 8, 15, 29, 55, 113, 225, 449
11 18 4 21 27
15 29 55
113 225 37. 5734.96 3624.03 1512.86 = ?3611.43
33. 7, 3, 5, 9, 20, 52.5, 160.5 4210 4290 4020 4150 4340
52.5 9 5 38. 33. 008 4. 97 11. 87 +74.13 = ?
20 3 195 176 200 230 270
34. 2, 7, 17, 37, 67, 157, 317 39. 2
4938 ( 6. 96 ) = ?
37 17 7
67 157 3050 3780 3140 3550 3450

35. 3, 4, 9, 17, 33, 58, 94 40. 62.1 2799 341 + 120 = ?

4 9 33 580 630 705
17 58 505 690

76 Bankin Guru November 2017

Directions (Q.Nos. 41-45) What will come in place of number of blue-collar ones is reduced by 5, the ratio
the question marks in the following questions? becomes 1 : 2. What is the number of blue-collar
41. 14 + 15 2. 5 7 2. 5 = ? workers presently?
40 34 27.5 37.5 44 30 45 65
35 None of these
42. 12. 56 23. 44 4. 35 3.15 = ?
53. A trader gives a discount of 10% on a certain
27.5 28.5 32.65 29.85 27.85
article. And successive 2% is given on a purchase over
43. 2 1 + 3 4 1 2 + 2 1 = ? ` 10000. A man purchased article worth ` 10010. What
3 5 3 5 amount should he pay after discount?
` 8628.82 ` 8888.88 ` 8828.82
2 2 4 1 2 ` 8838.8 None of these
5 6 7 7 2
15 3 15 3 3
54. A street hawker purchases mangoes at the rate of
44. 3 2 1 1 8 1 = ? ` 9 per kg and sells it at ` 15 per kg. 10% of the total is
5 4 2 wasted. If he sells 6 boxes of 10 kg in a day, what is
his earning per day?
1 1 17
` 270 ` 290 ` 360
4 8 20 ` 325 None of these
1
None of these
2 55. A garden measuring 150 m in length and 70 m in
width has 1.5 m wide path around it from inside. Find
45. 25. 256 + 36.734 22. 490 = ?
the cost of gravelling it at the rate of ` 7.50 per sq m.
39.50 49.50 30.5
36.5 None of these ` 4884 ` 4882.50 ` 4912.50
` 4868 None of these
46. After John gave ` 12 to Hari and Hari gave ` 4 to
56. A number when divided by 12, 16, 24, 48 and 60
John, both had equal amounts with them. Who had
gives 2 as remainder. What is the number?
the smaller amount initially and by how much?
248 244 242
Hari by ` 12 John by ` 4 Hari by ` 8 240 None of these
John by ` 8 None of these
57. Taps A and B can fill a tank in 6 hours and 4 hours
47. Anup is 3 years younger than Kumar. Anil is 2
respectively. Another Pipe C can empty the tank in 3
years older than Anup. What is Kumars age in
hours. If all the pipes are turned on simultaneously in
relation to Anil?
what time will the tank be filled completely?
3 yr older 4 yr younger 4 yr older
10 h 8h 12 h
1 yr older 1 yr younger
14 h None of these
48. When the price of TV set was increased by 30%, 58. A bag is full of ` 5, ` 20 an ` 50 notes in the ratio 4
the number of TV sets sold decreased by 20%. What : 6 : 9. If the total amount equals to ` 2950, what is the
was the effect on revenue? count of ` 50 notes?
8% decreases 8% increase 4% increase
27 36 45
4% decrease None of these
54 None of these
49. Ramesh purchased a plot of land at ` 80 per sq m 59. The sides of a PQR are 5 cm, 12 cm and 13 cm
through an estate dealer. If the area of the plot was and a circle is inscribed in the triangle. The area (in sq
300 sq m and the rate of commission was 3%, what cm) of the circle
amount did Ramesh require to pay in all? 4 1
` 24900 ` 24720 ` 23100 4 None of these
` 23280 None of these
60. The difference between a discount of 40% on
50. The average salary of 20 workers in an office is ` 500 and two successive discounts of 36% an 4% on
` 1900 per month. If the managers salary is added, the same amount is
the average salary becomes ` 2000 per month, what is Zero ` 1.93 `2
the managers annual salary? ` 7.20 None of these
` 45600 ` 24000 ` 25200
` 46800 None of these
61. A man sells a horse for ` 8000 and loses
something. If he had sold it for ` 9800, his gain would
51. A person purchased an article and sold it at a loss have been twice the amount of loss in the former
of 10%. If he had bought it for 20% less and sold it for case. The cost price of the horse is
` 55 more, he would have made a profit 40%. The cost ` 7200 ` 8500 ` 8600
price of the article is ` 8900 None of these
` 225 ` 250 ` 275 62. ` 1000 is to be divided among A, B and C such
` 300 None of these
that A gets twice as much as B and B gets thrice as
52. The ratio of white-collar and blue-collar much as C. The share of C is
employees of a company is 1 : 3. If the number of ` 50 ` 100 ` 125
white-collar employees increases by 5 and the ` 200 None of these

Bankin Guru November 2017 77

Directions (Q. Nos. 63-65) Study the following graph 63. The students from the faculty of Commerce
and answer the questions given below it. studying in College B are approximately, what
Number (in thousand) of Students from Various Faculties percent of the total number of students studying in
Studying in Various Colleges the same college?
Arts Commerce Science 30 35
43 48
35 53
30 64. What is the average number of students from the
Number of Students

25 faculty of Arts from all the colleges together?

26250 27250
20
27000 26500
15 None of these

10 65. What is the average number of students

studying in College A from all the faculties together?
5
26000 28500
0 26500 27000
A B C D None of these
College

Part III Reasoning Ability

66. If ROSE is coded as 6821, CHAIR is coded as A + B means B is the mother of A.
73456 and PREACH is coded as 961473, what will be 72. If P + Q R S T, then R is Ts
the code for SEARCH? Brother-in-law Sister-in-law Either a or b
246173 214673 214763 Cannot be determined None of these
216473 None of these
73. Which of the following shows N is the
67. How many meaningful English words can be
mother-in-law of K ?
made with the letters EMTA using each letter only
K L M + N K L M + N KL+MN
once in each word? K L + M N None of these
None One Two
Three More than three Directions (Q.Nos. 74-76) Read following information
carefully and answer the questions that follow.
68. The positions of the first and the second digits in
Sunita is taller than Seema and Renu. Renu is shorter than
the number 421653 are interchanged. Similarly, the
Radha and Gauri. Bina is taller than Radha and shorter
positions of the third and the fourth digits are than Sunita. Sunita is not the tallest and Renu is not the
interchanged and so on. Which of the following will shortest.
be the third digit from the right end after the
74. Who is the tallest?
rearrangement?
Sunita Bina Gauri
6 2 1
Data inadequate None of these
4 None of these
69. In a certain code WEAK is written as 5%9$ and 75. Who is the shortest?
WHEN is written as 5*%7. How HANK written in Radha Renu Bina
Seema None of these
that code?
*9$7 9*$7 $97* 76. What is the position of Radha from the shorter
9*7$ None of these end?
70. If the digits in the number 5734629 are arranged Fourth Second Third
Data inadequate None of these
in ascending order from left to right. How many
digits will remain at the same position? Directions (Q.Nos. 77-80) In the following questions, the
None One Two symbols @, , $, % and are used with the following
Three More than three meanings as illustrated below.
71. In a certain code eat good food is written as ke P $ Q means P is not greater than Q.
la pa good quality is written as pa jo and eat less P @ Q means P is neither smaller than nor equal to Q.
is written as ke ra. What is the code for food' ? P Q means P is neither greater than nor equal to Q.
ke la pa P Q means P is neither greater than nor smaller than
ke or la None of these Q.
P % Q means P is not smaller than Q.
Directions (Q.Nos. 72-73) Read the following information
In each of the following questions assuming the given
carefully and answer the questions given below it.
statements to be true, find out which of the two
A B means A is the sister of B. conclusions I and II given below them is/are definitely true.
A B means A is the husband of B. Give answer
A B means B is the brother of A.

78 Bankin Guru November 2017

 Only conclusion I is true. Only conclusion II is true.
Either conclusion I or II is true.
Neither conclusion I nor II is true.
Both conclusions I and II are true.
77. Statements M R, R $ T, T N
Conclusions I. N @ M II. T@M
78. Statements B % H, H $ W, W @ M
Conclusions I. B @ W II. M H
79. Statements K M, M % A, A @ T
Conclusions I. K A II. T M
80. Statements B $ P, P R, R % S
Conclusions I. P @ S II. B $ R
Directions (Q.Nos. 81-84) Study the following
information to answer the given questions.
P, Q, R, S, T, V, X and Y are seated in a straight line facing
North P sits fourth to the left of V. V sits either sixth from
the left end of the line or fourth from the right end of the
line. S sits second to right of R. R is not an immediate
neighbour of V. T and Q are immediate neighbours of each
other but neither T nor Q sits at extreme ends of the line.
Only one person sits between T and X. X does not sit at the
extreme end of the line.
81. What is the position of Q with respect to P?
Fifth to the right Immediate neighbour
Second to right Third to left
None of these
82. Which of the following represents persons
seated at the two extreme ends of the line?
P, V Y, S R, V
Y, P R, Y
83. How many persons are seated between R and T?
One Two Three
Four None
84. If P is related Q and S is related to T in a certain
way, to which of the following would V be related to
following the same pattern?
Y P R II. A * B means multiply A by B.
S X
Directions (Q.Nos. 85-88) In each question below are
two statements followed by two conclusions I and II. You
have to take the two 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
if only conclusion I follows
if only conclusion II follows
if either conclusion I or II follows
if neither conclusion I nor II follows
if both conclusions I and II follow
85. Statements Some pastries are toffees. All toffees
are chocolates.
Conclusions
I. At least some chocolates are toffees.
II. Some toffees are definitely not pastries.
86. Statements Some players are singers. All singers
are tall.
Conclusions
I. At least some players are tall.
II. All players being tall is a possibility.
87. Statements All stones are water. Some water are
clean.
Conclusions
I. At least some stones are clean.
II. No stone is clean.
88. Statements Some phones are watches. All
watches are guns.
Conclusions
I. All guns are watches.
II. Some guns are definitely not phones.
Directions (Q.Nos. 89-92) Each of the question below
consists of a question and two Statements I and II are
given below it. You have to decide whether the data
provided in the statements are sufficient to answer the
question. Read both the statements and
Give answer
if the data in statement I alone are sufficient to answer the
question, while the data in statement II alone are not sufficient
to answer the question
if the data in statement II alone are sufficient to answer the
question, while the data in statement I alone are not sufficient
to answer the question
if the data either in statement I alone or in statement II alone
are sufficient to answer the question
if the data even in both the statements I and II are not
sufficient to answer the question
if the data in both the statements I and II together are
necessary to answer the question
89. How many children are there in the group?
I. Sangita has scored more marks than 12 children in
group.
II. Reena has scored less than Sangita.
90. What is the value of 36$4*8?
I. P $ Q means divide P by Q.
91. What is Samirs rank from the top in the class of
30 students?
I. Sudhir, who is four ranks above Samir, is 15 in
rank from the bottom.
II. Samir is 3 ranks below Neeta who is 18 from the
bottom.
92. Who among L, N, F, G and Q was the first to
reach the college?
I. F reached before L and G but not before Q who
was not the first to reach.
II. N reached before F and G and L reached after F.
Directions (Q.Nos. 93-96) Study the following
information carefully and 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 in each step. The following is an
illustration of input and rearrangement.
Input nine poll 19 34 12 69 hour call
Step I call nine poll 19 34 12 69 hour
Step II call 12 nine poll 19 34 69 hour
Bankin Guru November 2017 79
Step III call 12 hour nine poll 19 34 69 There will be no such step
Step IV call 12 hour 19 nine poll 34 69 None of the above
Step V call 12 hour 19 nine 34 poll 69
and Step V is the last step of the rearrangement of the Directions (Q.Nos. 97-100) Study the following
above input. As per the rules followed in the above steps, information carefully and answer the questions given
find out in each of the following questions the appropriate below.
step for the given input.
P, Q, R, S and T are five friends who travelled to five
93. Step II of an input is bend 15 will care 46 53 29 different cities Dehradun, Jaipur, Chandigarh, Raipur and
How many more steps will be required to complete the Bengaluru by three different modes of transport - train,
aeroplane and car from Delhi not necessarily in the same
rearrangement?
order. Out of the three modes of transport, two modes have
Five Three Four
been used for by at most two persons.
Six None of these
Aeroplane has been used as a mode of transport only by the
94. Step III of an input is and 25 jungle 93 84 kite person who travelled to Bengaluru. T went to Jaipur by car
more 36 and P went to Chandigarh by train. One who travelled by
Which of the following is definitely the input? train didnt go to Dehradun. Q travelled by train whereas R
travelled by car.
93 84 kite more and 36 35 jungle
93 84 and 25 kite jungle more 36 97. Which of the following combinations is true for
jungle 93 and 84 25 kite more 36 Q?
Cannot be determined
None of the above Chandigarh-Car Jaipur-Train Dehradun-Train
Jaipur-Car Raipur-Train
95. Input land 62 clear over 41 37 again 56
98. Which of the following combinations of person
Which of the following steps will be the last but one? and mode is correct?
VIII IX VII
VI None of these T-Train P-Car R -Aeroplane
Q-Car S-Aeroplane
96. Step II of an input is, desk 12 year victory 86 71
99. The person travelling to Dehradun went by
store 65
which of the following modes?
Which of the following will be Step VII? Train Aeroplane
desk 12 store 65 year 71 victory 86 Car Data inadequate
desk 12 store 65 71 year victory 86 Train or Car
desk 12 Store 65 year victory 86 71

100. Who among the following T S

travelled to Dehradun? R P
Data inadequate

Hints & Solutions

1. 2. 3. 4. 5. 113 2 1 = 225 33 + ( 5)2 = 58
6. 7. 8. 9. 10. 225 2 1 = 449 58 + ( 6)2 = 94
11. Use this in place of these . Obviously, 55 is the wrong number.
Obviously, 9 is the wrong number.
12. Use its in place of it. 33. The pattern of the series is 470 970 30
7 0.5 + 0.5 = 3 4
36. ? 1184
. 11
13. It should be his team mates or the 55 350 60
members of his team. 4 1+ 1= 5 (approx.)
14. Use very in place of much. 5 15. + 15
. =9
9 2 + 2 = 20 37. ? 5735 3624 1513 + 3611 = 4209
15. 16. 17. 18. 19.
20 2 .5 + 2 .5 = 52 .5 4210 (approx.)
20. 21. 22. 23. 24.
52.5 3 + 3 = 160.5 38. ? 33 5 12 + 74 = 227 230
25. 26. 27. 28. 29.
Obviously, 3 is the wrong number.
30. (approx.)
34. The pattern of the series is 2
31. The pattern of the series is 39. ? 4900 (7 ) = 3430 3450
2 2 + 3=7
2 1+ 1= 3
7 2 + 3 = 17 (approx.)
32 + 2 = 8
17 2 + 3 = 37 40. ? 62 2800 340 + 120
8 3 + 3 = 27
37 2 + 3 = 67 77
27 4 + 4 = 112 = 510.58 + 120 630 (approx.)
77 2 + 3 = 157
112 5 + 5 = 566 565 157 2 + 3 = 317 41. ? = 14 + 37.5 17.5 = 14 + 20 = 34
565 6 + 6 = 3396 Obviously, 67 is the wrong number. 42. ? = 12 .56 + 23.44 7.50
Obviously, 566 is the wrong number.
35. The pattern of the series is = 36 7.50 = 28.50
32. The pattern of the series is
3 + (1)2 = 4
8 2 1 = 15 7 19 5 11
43. ?= + +
15 2 1 = 29 4 + (2 )2 = 9 8 3 5 3 5
8 + ( 3)2 = 17 35 + 57 25 + 33 100 20 2
29 2 1 = 55 57 = = = =6
57 2 1 = 113 15 15 3 3
17 + ( 4)2 = 33

80 Bankin Guru November 2017

44. ?=
17 5 17 17 5 2
= =
1 Amount to be paid = 9009 18018
. 9800 x = 2 ( x 8000)
5 4 2 5 4 17 2 = ` 8828.82 9800 x = 2 x 16000 3 x = 25800
45. ? = 25.256 + 36734
. 22 .490 x = ` 8600
54. Cost price of 60 kg mangoes
= 61990
. 22.490 = 39.5 = 60 9 = ` 540 62. Amount to be divided = ` 1000
and selling price of 60 kg mangoes Suppose Cs share = ` 1
46. Suppose initially Hari has ` x and
= 60 15 = ` 900 Bs share =`3
John has ` y.
y 12 + 4 = x + 12 4
10% of mangoes are wasted As share = 3 2 = ` 6
10
y8= x+ 8 = 900 = 90 A: B : C = 6 : 3 : 1
100 1000
y x = 16 Net profit = 810 540 = ` 270 Hence, share of C = 1 = ` 100
10
47. Anup = K 3 55. Area of path
63. Students studying commerce in
[Q K = Kumar] (i) = 2 150 15. + 2 67 15
. College B = 32500
Anil = Anup + 2 = 450 + 201 = 651 sq m Total number of students in College B
Anup = Anil 2 Cost of gravelling = 7.50 651 = ` 4882.50
From Eq. (i), we have Anil 2 = K 3 = 22500 + 32500 + 20000 = 75000
56. LCM of 12, 16, 24, 48 and 60 = 240 32500
K = Anil +1 Required percentage = 100
Kumar is one year older than Anil. Number = 240 + 2 = 242 75000
= 43% (approx.)
48. Suppose price of TV set = ` 100 57. Taps A and B can fill the tank in 1 h
Suppose number of TV sets sold = 50 1 + 1 part. 64. Number of students having Art from

Total revenue = 100 50 = ` 5000 6 4 all Colleges
1 = 25000 + 22500 + 32500 + 25000
If price of TV set = ` 130 (30% increase) C in 1 h will empty = part
and number of TV sets sold = 40 (20% 3 = 105000
decrease), then total revenue So, part filled by A + B C in 1 h 105000
1 1 1 2 + 34 Required average = = 26250
= 130 40 = ` 5200 = + = 4
200 6 4 3 12
Net effect on sales = 100 54 1 65. Average number of students in
5000 = =
12 12 College A
= 4% increase
25000 + 27500 + 30000
So, tank will be filled in 12 h. = = 27500
49. Required amount 3
= 300 80 + 3% of ( 300 80) 58. Let, the notes be 4x, 6x and 9x
3 respectively. 66. The alphabets are coded as shown
= 24000 + of 24000
100 Then, 4 5 x + 6 20 x + 9 50 x = 2950 ROSECHA IR
= 24000 + 720 = ` 24720 20 x + 120 x + 450 x = 2950 6 8 217 34 56
2950 So, in SEARCH, S is coded as 2. E as 1 , A
50. Monthly salary of the manager 590 x = 2950 x = =5
590 as 4, R as 6, C as 7, H as 3. Thus, the code
= 21 2000 20 1900 = ` 4000
Number of ` 50 notes 9 5 = 45 for SEARCH is 214673.
Annual salary of the manager = ` 48000
59. Here, 2s 67. Following meaningful words can be
51. Suppose CP of the article = ` P
= a + b + c = 5 + 12 + 13 = 30 s = 15 formed by using EMTA letters.
9P
SP of the article = P 10%of P =` MATE, MEAT, TEAM, TAME
10 Radius of the inscribed circle (r)
4P 1 68. Given number = 4 2 1 6 5 3
Changed CP = P 20% of P = ` = ( s a )( s b )( s c )
5 s New number = 2 4 6 1 3 5
9P 1
Changed SP = + 55 = (15 5)(15 12 )(15 13) Hence, 1 will be the third digit from the right
10 15 after the rearrangement.
4P 40 8P
Profit of 40% = = 1 W E A K W H E N
5 100 25 = 10 3 2 = 4 = 2 cm 69.
15
4P 8P 9P
+ = + 55 = `250
P Hence, area of the inscribed circle
5 25 10 5 % 9 $ 5 % 7
r 2 = 2 2sq cm = 4 sq cm
52. Let, the number of blue collars = x Therefore,
Number of white collars = y 60. Discount of 40% on ` 500 H A N K
y 1 40
= x = 3y = 500 = ` 200
x 3 100
9 7 $
x 3y = 0 36
(i) Discount of 36% on 500 = 500 = ` 180
y+ 5 1 100 70. 5 7 3 4 6 2 9
=
x5 2 Now, discount of 4% on 500 180 = 320
2( y + 5) = x 5 320 4 2 3 4 5 6 7 9
= =`
x 2 y = 15 (ii) 100
12.80
71. eat good food ke la pa ...(i)
Subtracting Eq. (i) from Eq. (ii),
Two successive discounts = 180 + 12.80 good quality pa jo ...(ii)
y = 15
= ` 192.80 eat less ke ra ...(iii)
x = 3 15 = 45
= Number of blue collar workers Hence, the difference = 200 (192 .80) From Eqs. (i) and (ii),
10010 10 = ` 7.20 good pa
53. First discount = = ` 1001
From Eqs. (i) and (iii), we get
100 61. Suppose CP of horse = ` x
Remaining = 10010 1001 = ` 9009 If SP is ` 8000, loss = ( x 8000) eat ke ...(iv)
9009 2 If SP is ` 9800, gain = ( 9800 x ) From Eqs. (i), (iii) and (iv), we get
Additional discount = = ` 18018
.
100 Now, according to the question, food la

Bankin Guru November 2017 81

72. According to the question, P R P = R 92. From Statement I, N > Q > F > L ; G
Husband and R % S R S So, N reached the college first.
Sister Brother / Wife B P = R S
Q R S T From Statement II,
s r s Conclusions N > F, G
I. P @ S P > S (False) F>L
Mother
II. B $ R B R (True) Relation is not identified with Q.
P Hence, only conclusion II is true. Solutions (Q.Nos. 93-96) After careful
Here, Gender of R is not confirm. While, R Solutions (Q.Nos.81-84) Sitting analysis of input and various steps of
is either brother or sister of S. Hence, R arrangement of eight persons are as follow rearrangement it is evident that in each step
may be brother-in-law or sister-in-law of T. one word or number is rearranged. The
Taking options (b) K L M + N words are arranged in alphabetical order

North
and the numbers are arranged in ascending
73. N order.
R P S Q T V X Y
Mother
93. Step II bend 15 will care 46 53 29 then
Husband Step III bend 15 care will 46 53 29 then
K
/ Wife
L
Sister
M 81. 82. 83. 84.
Step IV bend 15 care 29 will 46 53 then
r s 85. Step V bend 15 care 29 then will 46 53
Here, N is mother of L who is the wife of K. Step VI bend 15 care 29 then 46 will 53
Hence, N is mother-in-law of K. Pastrie Toffee
94.
Solutions (Q.Nos. 74-76) According to the Chocolate
information, 95. Input land 62 clear over 41 37 again 56
Sunita > Seema and Renu Step I again land 62 clear over 41 37 56
Conclusions I. T II. X Step II again 37 land 62 clear over 41 56
Radha and Gauri > Renu
Hence, only conclusion I follows. Step III again 37 clear land 62 over 41 56
Sunita > Bina > Radha
86. Step IV again 37 clear 41 land 62 over 56
Sunita (not tallest)
Step V again 37 clear 41 land 56 62 over
Renu (not shortest)
Player Singer Tall Step VI again 37 clear 41 land 56 over 62
On arranging the above data, we get
Hence, Step V is the last but one step.
Gauri > Sunita > Bina > Radha > Renu
> Seema 96. Step II desk 12 year victory 86 71
Conclusions I. T II. T store 65
74. 75.
Hence, both conclusions I and II follow. Step III desk12 store year victory 86 71 65
76. Third
87. Step IV desk 12 store 65 year victory 86 71
Solutions (Q.Nos. 77-80) According to the Water Step V desk 12 store 65 victory year 86 71
given informations Clean
Stone Step VI desk 12 store 65 victory 71 year 86
$ @ > <
Step VII Not step.
= %
Solutions (Q.Nos. 97-100) According to the
Conclusions I. X II. X given informations
77. Statements M R M < R
Hence, either conclusion I or II follows.
R $ T R T Friend ' City Modes of Transport
and T N T = N
88. Gun P Chandigarh Train
M < R T = N
Phone Watch
A~ b'hAm Train
Q
R
AmgmZ
Raipur
Dehradun
Car
Conclusions S Bengaluru Aeroplane
I. N @ M N > M (True) T Jaipur Car
II. T @ M T >M (True)
Conclusions I. X II. X 97. 98. 99. 100.
Hence, both conclusions I and II are true.
Hence, none follows.
78. Statements B % H B H `
89. Both the statements are not sufficient
H $ W H W to give answer. 12
and W @ M W > M
90. From statements I and II, mnyU H$ [aa mJXeH$ ...
B H W > M 36
Conclusions 36 $ 4 * 8 = 36 4 8 = 8
4
I. B @ W B > W (False) = 9 8 = 72
II. M H M < H (False) 91. From Statement I,
Bg| h
Hence, neither conclusion I nor II is true. 15 + + 10 hrZo ^a H$ s H$ aoQ> yO
79. Statements K M K < M H$ [aa OmZH$ mar Ed {deofkm| H$ s gbmh
Sudhir Sameer
M % A M A
and A @ T A > T Sameers rank from the top in the class is Q> mng BQ> ay
20th. gmm kmZ JmoS> Z dmBQ> g
K < M A > T
From Statement II,
Conclusions Omg H$ s OmZH$ mar
I. K A K < T (False) 12 + + 14
narjm H$ s aUZr{V Ho$ gmW gmdS> nong
II. T M T < M (True) Neetu Sameer
Hence, only conclusion II is true.
gmm kmZ, AH$ J{UV, arOqZJ, AJoOr
Sameers rank from the top in the class is ^mfm VWm {hXr ^mfm na AZ gmJr
80. Statements B $ P B P 16th.

82 Bankin Guru November 2017

 MOCK PAPER
ONLINE EXAM NOVEMBER 12, 2017

IBPS RRBs-VI

OFFICE ASSISTANT
Main (Phase II) Online Exam 2017
General Instructions
l
This crack set consists of 200 questions in five parts.
l
All questions are compulsory.
l
Answer the questions quickly and as carefully as you can. Some questions may be difficult and others easy.
Do not spend too much time on any question.
Time 120 Min. Max. Marks 200
Part Subject Number of Questions
I Reasoning 40
II English Language 40
III Numerical Aptitude 40
IV Computer Knowledge 40
V General Awareness 40

Part I Reasoning
1. Four of the following five are alike in a certain Directions (Q.Nos. 6 -10) Each of the questions below
way and so form a group. Which is the one that does consists of a question and two statements numbered I
not belong to that group? and II are given below it. You have to decide whether the
a. Jasmine b. Rose c. Dahlia data provided in the statements are sufficient to answer
d. Marigold e. Lotus the question. Read both the statements
Give answer
2. Jackal is related to Carnivorous in the same way a. if the data in statement I alone is sufficient to answer the
as Goat is related to question, while the data in statement II alone is not sufficient
a. Omnivorous b. Carnivorous to answer the question
c. Herbivorous d. Multivorous b. if the data in statement II alone is sufficient to answer the
e. None of these
question, while the data in statement I alone is not sufficient
3. If blue is called red, red is called green, green to answer the question
is called black and black is called white, what is c. if the data either in statement I alone or in statement II alone
the colour of grass? are sufficient to answer the question
a. Red b. Black c. White d. if the data even in both the statements I and II are not
d. Green e. None of these sufficient to answer the question
e. if the data in both the statements I and II together are
4. In a certain code, RAID is written as %#$, RIPE is necessary to answer the question
written as %@. How is DEAR written in that code?
a. @#% b. $@#% c. @$#% 6. How many children are there in the group?
d. $#% e. None of these I. Sangita has scored more marks than 12 children in
the group.
5. Radish is related to Root in the same way as II. Reena has scored less than Sangita.
Brinjal is related to
a. Fruit b. Stem c. Flower 7. What is the value of 3 6 $ 4 8?
d. Root e. None of these I.P $ Q means divide P by Q.
II.A B means multiply A by B.

Bankin Guru November 2017 83

8. What is Samirs rank from the top in the class of Following conditions are to be applied
30 students? (i) if the first digit is even and the last digit is odd, both are
to be coded as X.
I. Sudhir, who is four ranks above Samir, is fifteenth
in rank from the bottom. (ii) if the first digit is odd and the last digit is even, both are
to be coded as A.
II. Samir is three ranks below Neeta, who is
eighteenth from the bottom. (iii) if the first digit as well as the last digit is even, both are
to be coded as the code for last digit.
9. Who among L, N, F, G and Q was the first to reach (iv) if the first digit as well as the last digit is odd, both are
the college? to be coded as the code for the first digit.
I. F reached before L and G but not before Q, who Applying above conditions, you have to find out the correct
was not the first to reach. code for the letter in each question and indicate your
II. N reached before F and G and L reached after F. answer accordingly. If none of the codes is correct, (e), i.e.,
None of these is your answer.
10. In the code language, what is the code for fat ?
I. In the code language, she is fat is written as he 16. 364289
ra ca. a. BTDLHB b. FTDLHB c. FTDLHF
II. In the same code language, fat boy is written as d. BTDLHF e. None of these
ra ka. 17. 521437
Directions (Q.Nos. 11-15) Below in each question are a. KLGDFK b. RLGDFR c. KLGDFR
given two statements I and II. These statements may be d. KLDGFK e. None of these
either independent causes or may be effects of
independent causes or a common cause. One of these 18. 392648
statements may be the effect of the other statement. a. ALBTDA b. XBLTDA c. XBLTDX
d. ABLTDA e. None of these
Read both the statements and decide which of the
following answer choice correctly depicts the 19. 279654
relationship between these two statements. a. LRBTKD b. LRBTKL c. DRBTKL
Give answer d. DRTBKD e. None of these
a. if statement I is the cause and statement II is its effect
b. if statement II is the cause and statement I is its effect 20. 725638
c. if both the statements I and II are independent causes a. ALKTFH b. ALKTFA c. XLKTFX
d. if both the statements I and II are effects of independent d. XLKTFH e. None of these
causes
e. if both the statements I and II are effects of some common
Directions (Q.Nos. 21 - 28) In the following questions,
cause the symbols @, #, $, % and & are used with different
meanings as follows.
11. I. Large number of primary schools in the villages P @ Q means P is neither smaller nor equal to Q.
in the district are closed down this year.
P # Q means P is not greater than Q.
II. Severe drought situation gripped the state
P $ Q means P is not smaller than Q.
resulting into acute shortage of drinking water.
P % Q means P is neither greater nor smaller than Q.
12. I. Government has imposed a strict ban on use of P & Q means P is neither greater nor equal to Q.
plastics all over the State. In each of the following questions assuming the given
II. All the small scale units producing plastic statements to be true, find out which of the two conclusions
products are on the verge of closure. I and II given below them is/are definitely true.
13. I. Police had launched a crackdown on all the Give answer
criminal activities in the locality last month. a. if only conclusion I is true
II. There has been a significant decline in the cases b. if only conclusion II is true
of criminal activities in the locality. c. if either conclusion I or conclusion II is true
d. if neither conclusion I nor conclusion II is true
14. I. Large number of devotees visited the shrine on e. if both conclusions I and II are true
Saturday.
II. Every Saturday special prayers are offered. 21. Statements G # H, H $ K, K @ M
Conclusions I. M # G II. G & M
15. I. The village panchayats in the State are
empowered by the government to settle cases 22. Statements F $ D, H # M, M % D
of land disputes in the villages. Conclusions I. F $ H II. F @ H
II. There has been significant reduction in the
number of criminal cases in the District Court. 23. Statements R & M, M # L, L $ Q
Directions (Q.Nos.16 - 20) Study the following informa- Conclusions I. M % Q II. M @ Q
tion carefully and answer the question given below. 24. Statements F # R, Q $ R, Q & M
Digits in the numbers are to be coded as follows.
Conclusions I. F # Q II. R & M
Digit 3 5 7 2 4 6 1 8 9
Code F K R L D T G H B 25. Statements D & T, R # T, R $ M
Conclusions I. M & T II. M % T

84 Bankin Guru November 2017

26. Statements E % H, H $ M, M # Q The candidate must
Conclusions I. H $ Q II. E $ M (i) be an engineering graduate in Computer/IT with at least
60% marks.
27. Statements S # A, S @ T, L & T (ii) have working experience in the field of Computer at
Conclusions I. L & A II. S @ L least for 2 years after acquiring the requisite
qualification.
28. Statements G $ J, J @ K, K % N (iii) have completed minimum 25 years and maximum 30
Conclusions I. G @ N II. G % N years of age as on December 1, 2011.
(iv) be willing to sign a bond for ` 50000.
Directions (Q.Nos. 29-35) These questions are based on the (v) have secured minimum 55% marks in selection test.
following arrangement of numerals, symbols and letters.
However, if a candidate fulfills all other conditions except
WTDI5MK%L$37FEB#1GHA@JUV24 (A) At (i) above, but is an Electronics Engineer with 65% or
29. How many such symbols are there in the more marks, the case is to be referred to the General
arrangement each of which is immediately followed Manager (GM)-IT.
by a numeral and also immediately preceded by a (B) At (iv) above, but has an experience of at least 5 years as
a Software Manager, the case is to be referred to the VP.
letter?
In each question below, detailed information of candidate is
a. None b. Two c. Three
given. You have to carefully study the information provided
d. One e. None of these
in each case and take one of the following courses of
30. If KL : $7, then B1 : ? actions based on the information and the conditions given
a. GA b. H above. You are not to assume anything other than the
c. GH d. J information provided in each question. All these cases are
e. None of these given to you as on December 1, 2011. You have to indicate
your decision by marking answers to each question as
31. If all the vowels are dropped from the follows.
arrangement, which element will be fifth to the right Give answer
of the thirteenth element from the right? a. if the case is to be referred to VP
a. H b. G b. if the case is to be referred to GM
c. A d. I c. if the data provided is not sufficient to take a decision
e. None of these d. if the candidate is to be selected
32. If the first ten elements in the arrangement are e. if the candidate is not to be selected
reversed, which element will be third to the left of 36. Suneeta is an IT Engineer with 60% marks at
eleventh element from the left? graduation as well as in selection test. She is working
a. D b. % as a Software Engineer for last 3 years after completing
c. K d. I
e. None of these
Engineering degree and has completed 27 years of age.
She is willing to sign the bond of ` 50000.
33. Four of the following five are alike in a certain
way on the basis of their position in the arrangement 37. Rakesh Rao is a Computer Engineer graduate and
and so form a group. Which is the one that does not thereafter is working as a Software Manager for past
belong to the group? 6 years. He has secured 72% marks at graduation and 67%
a. D5W b. L3K marks in selection test. His date of birth is December 5,
c. E#7 d. HG 1982. He is not willing to sign the bond for ` 50000.
e. U2@
38. Ram Kumar is an Engineering graduate in
34. How many such vowels are there in the Computers with 78% marks passed out in 2005 at
arrangement which are immediately preceded as well the age of 23 years. Since, then he is working as a
as immediately followed by a consonant? Software Manager in an engineering firm. He
a. None b. One doesnt want to sign the bond for ` 50000. He has
c. Two d. Three cleared the selection test with 72% marks.
e. None of these
35. Which element is exactly midway between the 39. Nishant is an Electronics Engineer passed out in
eighth element from the left and the tenth element June, 2008 at the age of 22 years. Since then he is
from the right? working as a Programmer in a software company. He
a. E b. 7 has passed the selection test with 66% marks and is
c. B d. # willing to sign the bond.
e. None of these
Directions (Q.Nos. 36-40) Study the following information 40. Kalyani is an Engineer with 72% marks in
carefully and answer the questions given below. Telecommunication. She has just completed 27 years
An organisation wants to recruit System Analysts. The of age. She has cleared the selection test with 59%
following conditions apply marks. She is willing to sign the bond.

Bankin Guru November 2017 85

 Part II English Language
Directions (Q.Nos. 41-55) Read the following
passage carefully and answer the questions given
below it. Certain words/phrases are given in bold to
help you locate them while answering some of the
questions.
During World War II, an inventor submitted a scheme for
building a giant airship armed with death rays to the
British government He had provided details of the engines,
navigational systems, etc. When questioned about the
death-rays themselves he exclaimed, Oh, I thought the
military had plenty of them available. If a robot is defined,
provisionally, as a machine made in the image of man
then it must be stated that, like death-rays in 1940, robots
in 1990 remain in the world of speculation not as
established fact. Yet just as the inventor took the existence
of death-rays fo granted and concentrated on putting them
to use, the popular imagination has been much more
pre-occupied by the question of what we should do when
robots do arrive, than with the business of actually making
them. It is rather as if the Wright brothers first flight had
been preceded by an extensive literature on air traffic
control.The prevailing image of the robots as a walking,
talking mechanical man is firmly established in our
consciousness. It is worth pondering how this notion, a
hypothesis, took on so vivid a form. There are, it is true,
machines in existence which we have, perhaps rather
prematurely, categorised as robots. But long before even
this primitive vanguard became a practical proposition, the
idea of the robot was enjoying a lively existence in human
imagination. It seems to have been around even before it
gained a name. Other inventions had to take concrete
shape before a name was found for them. It took some
time for the English speaking world to agree that the
horseless carriage should be a motor car or a flying
machine an airplane. Yet when Karol Capac published his
play RUR (for Rossums Universal Robots) the obscure
word was quickly and universally adopted. It means no
more than serf in the Czech language, Capeks robots
were but the last in the line of mechanical men and all that
the concept had lacked was a label.Now, some seventy
years on, when their real-life counterparts are only just
undergoing their birth pangs, fictional robots are as
familiar in our imaginative lives as cops and robbers or
cowboys and Indians. Many a hero of contemporary space
opera would be as lost without a robot companion as the
Lone Ranger without Topton or Holmes bereft of Watson.
Writers of science fiction had seen very early that the
robot had possibilities that many other technological
paraphernalia lacked. Spaceships and time travel only
moved old plots. But alien beings and robots, like jokers
in the pack could be used to produce an entirely new
game. The robot was not a prop, but a character. It could
play a Watson to human Holmes and it also had potential
in the role of Holmes himself. What we see of real robots
indicates that machine in the image of man is a
misleading description. But the image is still zestfully
utilised in science fiction. The robot is in a limbo between
man and machine and is thus the ideal dramatic device
for exploring the profoundly metaphysical issue of the
relationship between the two. It can stand for all machine
kind which twentieth century man has come to see as the
threat to all mankind. Therein lies its appeal to serious
science fiction writers who aim at more than
entertainment.
86 Bankin Guru November 2017
41. According to the author, the people in general are
convinced that
a. a machine made in the image of man is a useful working
definition of robot
b. robots will become a reality in a few years
c. death-rays and robots are clearly a part of speculative world
d. the actual construction of robots will take many more years of
persistent efforts
e. sensible people should not take questions like if and when about
robots seriously
42. The author compares the hypothetical literature on
air traffic control with
a. peoples current preoccupation with how to deal with robots
when we encounter them
b. the elaborate technical details that those working on robots must
attend to
c. the regulation that will be necessary to protect robots from
industrial espionage
d. the British inventors plan for the proposed airship
e. the convention among science fiction writers to create a
complete selling for their new gadgets and characters
43. The author of this paragraph, through the story of
the inventor in Britain, desires to illustrate the point that
a. scientists and inventors usually have a very further imagination
b. adults and not only children, can develop an absorbing interest
in fantastic weapons
c. speculation and hypothesising are well known and necessary
aspects of inventions
d. people sometimes fail to distinguish between what is well known
but imaginary and what is fact
e. the emerging field of robotics will bring the province of
speculation and that of established fact together
44. In contrast to the horseless carriage and the flying
machine, the mechanical man
a. has been created in many forms by inventors in many countries
b. was a well understood and familiar concept long before the
name robot was used
c. has an ancient and mythical origin
d. was initially conceived of as a slave or worker with very limited
function
e. was popularised in drama and fiction in the English speaking
world
45. The stories of Holmes, Lone, Ranger etc. are
mentioned in order to point out that
a. the heroes of popular space age science fiction have robot
companions like Watson, Tonton
b. the heroes of popular space age science fiction are robots and
are remarkable characters like Holmes
c. a pair of robots (hero and companion) is becom- ing the typical
characters in science fiction
d. cops and robbers and cowboys and Indians are being
presented in an entirely new form in science fiction
e. the prototypical robot character in science fiction is loyal and
persistent apart from being intelligent
46. Though, the walking talking man model of the
robot is misleading, it persists in science fiction
because
a. science fiction by definition distorts reality
b. the ability to talk gives them the potential to deal with
metaphysical issues that science fiction explores
c. authors want the robot to be the symbol of all machine kind Directions (Q.Nos. 54-55) Choose the word which is
d. the image is so strong that readers especially will feel lost if it most opposite in meaning to the word or group of words
is changed given in bold as used in the passage.
e. the man and machine image has dramatic potential that
serious writers find attractive 54. Misleading
47. The expression Primitive vanguard refers to a. Exaggerated b. Underrated
c. Appropriate d. Leading
a. primitive mans belief in being with strange powers e. Deceptive
b. myths and legends in which robot like creatures features
c. simple mechanical devices loosely labelled as robots 55. Extensive
d. ideas in the human imagination that lead eventually significant a. Enormous b. Far-reaching
discoveries c. Absolute d. Meagre
e. the whole range of inventions that form the basis of modern e. Intensive
technology
Directions (Q.Nos.56-60) In each of the following
48. In the realms of science fiction, mechanical men sentences, there are two blank spaces. Below each
have been treated differently from other sentence, there are five pairs of words denoted by letters (a),
technological paraphernalia because (b), (c), (d) and (e). Find out which pair of words can be filled
a. they could conveniently be used like the joker in the pack of up in the blanks in the sentence in the same sequence to
cards make the sentence meaningfully complete.
b. they could be characters in their own right and not only be
props 56. With eight more deaths reported today, the
c. they could easily move from one setting in space or time to earthquake ............ in the state ............ to 105.
another a. intensity; rose b. toll; mounted
d. they could help answer metaphysical questions beyond the c. deaths; descended d. victims; came
reach of human characters e. arrived; took
e. distinguished writers wanted to use them to make science
fiction serious and educative 57. Though, the programme was originally ............
for seven days, it was later ............ to four days.
49. The horseless carriage and the flying machine a. planned; decided b. announced; ended
are examples of c. scheduled; curtailed d. recommended; concluded
a. inventions that were created to meet social needs e. chalked; briefed
b. inventions that were neglected during the lifetime of their
inventors 58. When rain is ............ the meteorological
c. inventions that were given names only after they had become department issues a ............ well in advance to that
a part of common experience effect.
d. machines that are called robots without proper justification a. sufficient; letter b. inadequate; circular
e. high practical devices that are not associated with c. torrential; memorandum d. imminent; warning
speculation and imagination e. over; certificate
50. According to the passage, Capeks play RUR is of 59. The bag is ............ heavy that I can ............ carry it.
special interest because a. very; easily b. too; not
a. it provided an account of Capeks struggle to construct a c. extremely; seldom d. not; comfortably
mechanical man e. so; hardly
b. it transformed Capek who was an engineer into a famous
playwright 60. They discussed the issue for a long time but were
c. it showed that science and technology were quite advanced ......... to arrive at ............
in Czechoslovakia by about 1920 a. unable; consensus b. desirous; end
d. it gave the name robot to the familiar notion of a mechanical c. reluctant; agreement d. ready; decision
man e. inconsistent; convergence
e. it was the first great work of science fiction
Directions (Q.Nos. 61-65) In each question, there are
Directions (Q.Nos. 51-53) Choose the word which is
two statements which can be combined into a single
most nearly the same in meaning to the word given in
bold as used in the passage. statement in a number of different ways without
changing their meaning. Below them are given three
51. Obscure probable starters of such combined sentence. One, two,
a. Foolish b. Inaudible c. Unintelligible three or none of them may be correct. Decide upon
d. Unimportant e. Familiar which is/are correct, if any and answer the questions.
52. Vivid 61. You have committed blunder. Every one of us
a. Different b. Clear knows that.
c. Passionate d. Kind
e. Imaginary (i) That you have committed blunder is .......
(ii) Everyone of us has committed ........
53. Paraphernalia (iii)Except you, nobody else knows ........
a. Accessories b. Group a. Only (i) b. Only (ii)
c. Details d. Inputs c. Only (iii) d. (i) and (iii)
e. Information e. None of these

Bankin Guru November 2017 87

62. The chairman was impressed with his honesty Directions (Q.Nos. 71- 80) In the following passage,
and hard work. He gave him a substantial salary rise. there are blanks, each of which has been numbered.
(i) Because of his honesty ......... These numbers are printed below the passage and against
each, five words are suggested, one of which fits the blank
(ii) Because of this substantial salary rise ...........
appropriately. Find out the appropriate word in each case.
(iii)Impressed with his honesty ...........
a. Only (i) b. Only (ii) c. Only (iii) One of the issues Indian men face in any field of 71 is how
d. (i) and (ii) e. (i) and (iii) much to 72 Western views of reality, values and modes of
relationships etc. 73 more Indian ones. It is perplexing 74 of
63. You should have told us in advance. We would two centuries of British colonial rule and its modernising 75.
have certainly helped you. In above, five decades of independence, this flow from the
(i) If you have told .............. West has even greatly 76 the educational system. Indians
take 77 in 78 Western thought and culture, 79 acquiring
(ii) Had you told us................. their modern technology. They consider Indian technology
(iii)Had we helped you .............. and the values cherished in Indian culture as 80.
a. Only (i) b. Only (ii) c. Only (iii)
d. (i) and (ii) e. None of these 71. a. civilisation b. endeavour c. society
d. technology e. agriculture
64. He possesses many qualities of a good leader. But
he is short tempered. 72. a. enhance b. defend c. incorporate
d. learn e. discard
(i) Barring that he is ...........
(ii) Although he is .................. 73. a. visualised b. than
c. disregarded d. encompassing
(iii)In spite of the fact that he possesses ........... e. versus
a. (i) and (ii) b. (ii) and (iii) c. (i) and (iii)
d. All of these e. None of these 74. a. period b. era c. question
d. challenge e. confusion
65. The gang continued to resort to malpractices. The
supervisor paid no heed to their actions. 75. a. aftermath b. result c. illusion
d. techniques e. strategy
(i) Although the supervisor paid no need ..........
(ii) In spite of the supervisors negligence ....... 76. a. influenced b. followed c. absorbed
(iii)The supervisors presence led the gang to ......... d. developed e. invented
a. Only (i) b. Only (ii) c. Only (iii) 77. a. objection b. initiative c. pride
d. (i) and (iii) e. None of these d. recourse e. revenge
Directions (Q.Nos. 66 -70) Which of the phrases (a), (b),
(c) and (d) given below each sentence should replace the
78. a. reviewing b. imbibing c. influencing
d. criticising e. destroying
phrase printed in bold type to make the sentence
grammatically correct? If the sentence is correct as it is, 79. a. without b. for c. before
mark (e) as the answer. d. after e. besides

66. The custom of many centuries ago origin is 80. a. superior b. imitable c. comprehensive
slowly disappearing. d. obsolete e. spiritua
a. with many centuries of origin b. originating for many centuries
c. having an origin of many centuries
d. which originated many centuries ago
e. No correction required
67. Any conclusion other than the one which was
reached seems totally unjustified.
a. which has reached seems b. that had reached seem
c. which had reached seems d. which seems was reached
e. No correction required
68. I prefer travelling by bus than by train.
a. travelling by bus to travelling b. to travel by bus than
c. travelling by bus as d. to travelling by bus than
e. No correction required
69. By the end of this century, scientists surely must
discover a cure for the AIDS.
a. have discovered b. must be discovered
c. will have discovered d. might discover
e. No correction required
70. All the representatives are clever and good at
handling people.
a. on handling the people b. with handling people
c. to handling the people d. for handling the people
e. No correction required

88 Bankin Guru November 2017

 Part III Numerical Aptitude l

Directions (Q.Nos. 81-85) Study the table carefully to 86. If the distance travelled by Truck A and Truck B on
answer the questions that follow. Saturday was the same, what was the respective ratio of
Number of Calls Attended by Six Different Call Centre
Employees between Specific Time Slots the time taken by Truck A to that taken by Truck B to
travel that distance?
Time Slot Employees
a. 6 : 7 b. 13 : 19 c. 11 : 12
P Q R S T U
d. Cant be determined e. None of these
9:01 am -11:00 am 62 60 48 70 55 52
11:01am-1:00 pm 54 58 52 64 45 54 87. If the distance travelled by Truck B on Thursday
2:01 pm-4:00 pm 60 52 50 62 48 50 was 846 km, what was the time taken by it to travel that
4:01 pm-6:00 pm 58 60 42 72 50 58
6:01 pm-8:00 pm 58 56 46 68 58 62
distance?
8:01 pm-10:00 pm 60 55 54 60 54 64 a. 16 h 55 min 12 sec b. 16 h 12 sec
c. 15 h 6 min 4 sec d. Cant be determined
81. Calls attended by U between 4:01 pm to 6:00 e. None of these
pm were what percent of the calls attended by Q
88. What is the average speed of Truck A for all the
in the same time slot? (Rounded off to the
days together?
nearest integer) 8
a. 88 b. 125 c. 97 a. 180 m/sec b. 13 m/sec c. 120 m/sec
9
d. 103 e. 111 6
d. 12 m/sec e. None of these
82. What is the respective ratio of total number 7
of calls attended by S to those attended by R in 89. Average speed of Truck C is approximately, what
the day? percent of average speed of Truck B over the days?
a. 73 : 99 b. 86 : 69 c. 69 : 86 a. 63% b. 74% c. 95% d. 86% e. 69%
d. 99 : 73 e. None of these
83. What is the approximate average number of 90. What is the percent increase in speed of Truck C on
Friday from the previous day?
calls attended by P per hour?
a. 15% b. 28% c. 20%
a. 29 b. 33 c. 22
d. 18% e. None of these
d. 25 e. 36
84. In which time slot were the lowest number of 91. On Independence day, sweets were to be equally
calls attended to? distributed among 350 children. But on that particular
day, 25 children were absent. Thus, each child got 5 extra
a. 11:01 am -1:00 pm b. 8:01 pm -10:00 pm
c. 2:01 pm -4:00 pm d. 9:01 am -11:00 am
sweets. Totally how many sweets did each child get?
e. None of these a. 55 b. 70 c. 50
d. 65 e. None of these
85. On an average, for how many minutes did one
call last in case of T in the entire working hours? 92. 24 men can complete a piece of work in 16 days.
(Rounded off to two digits after decimal) The same work can be completed by 8 women in 72
days, whereas 24 children take 32 days to complete it. If
a. 2.55 b. 2.06
c. 2.18 d. 2.32
10 men, 15 women and 24 children work together, in
e. None of these how many days can the work be completed?
a. 18 b. 8 c. 22
Directions (Q.Nos. 86-90) Study the graph carefully to d. 12 e. None of these
answer the questions that follow.
93. How many seven-digit numbers can be made from
Speed (in km/h) of Three Trucks on Different
the number 3428651, using each digit only once?
Routes on Different Days of the Week a. 49 b. 180 c. 5040
Truck A Truck B Truck C d. 2520 e. None of these

70 94. If the difference between the simple interest and

60 compound interest earned on an amount at 15% per
50 annum at the end of 3 years is ` 595.35, what is the
Speed (km/h)

40 amount?
30 a. ` 8400 b. ` 9200 c. ` 6800
d. Cant be determined e. None of these
20
10 95. The number obtained by interchanging the digits of
0 a two-digit number is greater than the original number
Mon Tue Wed Thu Fri Sat
Day by 9. If the sum of the two digits of the number of 13,
what is the original number?
a. 58 b. 76 c. 78
d. Cant be determined e. None of these

Bankin Guru November 2017 89

Directions (Q.Nos. 96-100) What should come in place 106. I. x 2 7 x + 10 = 0 II. y 2 + 11 y + 10 = 0
of the question marks in the following number series?
107. I. x 2 + 28 x + 192 = 0 II. y 2 + 16 y + 48 = 0
96. 3, 4, 12, ?, 576, 27648
a. 64 b. 96 c. 36 d. 52 e. 48 108. I. 2 x 3 y = 3.5 II. 3 x 2 y = 6.5
97. 4, 12, 60, 420, ?, 41580 109. I. x 2 + 8 x + 15 = 0 II. y 2 + 11 y + 30 = 0
a. 4620 b. 3780 c. 4200 d. 5040 e. 4040
110. I. x = 3136 II. y 2 = 3136
98. 6, 349, 565, ?, 754, 781
a. 629 b. 590 c. 601 d. 690 e. 790 Directions (Q.Nos. 111-115) Study the pie-chart and
table carefully to answer the questions that follow.
99. 1.5, 4, 20, 129, ?, 10505
Number of Employees Working in Various
a. 1044 b. 1048 c. 1548 d. 1052 e. 1028
Departments of an Organisation and the Ratio of Men
100. 89250, 17850, 7140, 1428, 571.2, ? to Women in the Same Total Number of Employees
a. 228.48 b. 126.12 c. 114.24 d. 246.48 e. 224.48
= 4600

Directions (Q.Nos. 101-105) Study the table carefully to 11%

answer the questions that follow. 18% HR
Percentage of Students Passing out of Six 8%
Different Colleges in Five Years Me
r ch ts
and ou n
Year College isin
g Ac c
15%
A B C D E F
22%
2007 76 63 88 92 78 100 Marketing Production
2008 72 64 90 100 76 93
2009 81 78 96 86 77 96 26%
2010 85 72 86 84 82 85 IT
2011 92 82 91 79 84 85

101. If the number of students studying in College B

in the year 2011 were 3650, what was the number of Ratio of Men to Women
students failing from that college in that year? Department Men Women
a. 594 b. 657 c. 583 d. 625 e. 697 HR 1 1
Accounts 3 1
102. What is the respective ratio of number of Production 3 2
students passing to those failing from College E in IT 1 3
the year 2008? Marketing 1 1
a. 6 : 5 b. 18 : 7 c. 19 : 6 Merchandising 5 1
d. Cant be determined e. None of these
111. What is the number of Women in the Accounts
103. If the number of students studying in Colleges department?
E and F in the year 2009 was 2800 and 2250 a. 86 b. 102 c. 80
respectively, what was the respective ratio of d. 92 e. None of these
number of students passing out of College E to 112. What is the total number of employees working
those from F in that year? in the IT department and HR department together ?
a. 216 : 217 b. 327 : 341 c. 423 : 485 a. 1628 b. 1742 c. 1766
d. 539 : 540 e. None of these d. 1646 e. None of these
104. The average percentage of passing is highest for 113. What is the respective ratio of total number of
which college? Men to the total number of Women working in all
a. E b. D c. A the departments together?
d. C e. None of these a. 63 : 41 b. 41 : 27 c. 53 : 47
d. 27 : 19 e. None of these
105. What is the percent increase in percentage of
students passing out of College A in the year 2011 114. Number of Women in the Merchandising
from the previous year? (Rounded off to two digits department form what percent of the total number of
after decimal) employees in the organisation?
a. 7.61 b. 8.24 c. 6.36 d. 8.05 e. 8.61 a. 3 b. 6 c. 1
d. 12 e. None of these
Directions (Q.Nos.106 -110) In the following questions,
two equations numbered I and II are given. You have to 115. What is the respective ratio of number of Men
solve both equations and in the Production department to the number of Men
Give answer in the Marketing department?
a. if x > y b. if x y c. if x < y d. if x y a. 7 : 13 b. 9 : 11 c. 13 : 7
e. if x = y or the relationship cant be established d. 11 : 9 e. None of these

90 Bankin Guru November 2017

116. What will be the simple interest earned on an 118. If three balls are drawn at random, what is the
amount of ` 988 at 18% per annum at the end of 5 probability that none is blue?
years? 1 1 1 3 2
a. b. c. d. e.
a. ` 711.36 b. ` 898.2 c. ` 799.25 6 12 5 10 12
d. ` 805.4 e. None of these
119. If four balls are drawn at random, what is the
117. What will be the area of a circle with probability that at least one is green?
circumference equal to 88 cm? a.
2
b.
1
c.
1
d.
2
e.
1
a. 154 sq cm b. 44 sq cm c. 616 sq cm 3 2 3 5 5
d. Cant be determined e. None of these
120. If two balls are drawn at random, what is the
Directions (Q.Nos. 118-120) Study the information probability that both are red?
and answer the questions that follow. 1 3 3 1 2
a. b. c. d. e.
A basket contains 3 red balls, 5 blue balls and 2 green balls. 5 10 5 15 15

Part IV Computer Knowledge

121. The part of computer system containing the 130. The hard disk is referred to in a computer by
circuitry that does the adding, subtracting, the name
multiplying, dividing and comparing is called as a. Heavy storage media b. F Drive c. D Drive
a. Arithmetic and Logical Unit b. Memory d. H Drive e. None of these
c. CPU d. Control
e. None of the above 131. The purpose of the MOVE command is to
a. move one or more files to the location you have specified
122. Arithmetic functions of the ALU include b. rename directories
a. Add, Subtract, Move and Input c. a and b
b. Divide, Multiply, Compare and Output d. to move the text within file
c. Input, Output, Move and Compare e. None of the above
d. Add, Subtract, Divide and Multiply
e. None of the above 132. The MSBACKUP command
123. Peripherals are a. allows you to backup an entire hard disk to a set of floppies
a. a part of the CPU b. essentially is a replacement of age old BACKUP command
b. output device alone c. it can also backup all files on a disk or files that have
c. input device alone changed since your last backup
d. input, output and secondary storage devices d. All of the above
e. None of the above e. None of the above

124. Parts of CPU are 133. The PATH command

a. ALU, CU, MU b. ALU, Peripherals, Memory a. specifies directories that MS-DOS is to search when trying to
c. RAM, ROM, CU d. ALU, RAM, ROM locate executable files
e. None of these b. displays detailed technical specification of your disk drivers
125. COMPARE is a c. displays the port address of all the installed ports and
dynamically display the status of each port including the I/O
a. arithmetic function of the ALU ports
b. logical function of the ALU d. displays the information of adapters
c. input-output function of the ALU
e. None of the above
d. All of the above
e. None of the above 134. The PRINT command
126. Formatted capacity of floppy disk (3.5'') is a. can print in the background if you have an output device
a. 2 MB b. 1.1 MB c. 1.44 MB connected to one of your systems serial or parallel ports
d. 1.44 KB e. None of these b. is used to print a text file
c. a and b
127. Specification for a floppy drive is d. to print all the files in the directory
a. TPI b. CPI c. DPI e. None of the above
d. FPI e. None of these
135. The REPLACE command
128. Floppy disks are organised as a. selectively copies files from a source file to the target disk
a. files b. heads and folders b. adds new files to the target disk, if they are not already there
c. tracks and sectors d. Any of these c. replaces the files in the target disk with more recent versions
e. None of these of files
129. How many heads to read a DSHD diskette? d. All of the above
a. One b. Two e. None of the above
c. More than two d. Cant say
e. None of these
136. Graphics is inserted in
a. Box b. Page c. Frame
d. All of these e. None of these

Bankin Guru November 2017 91

137. A graphic in a Word document can be 149. Which one is the example of spreadsheet
a. increased in size by dragging it from the corner package?
b. trimmed using the corpping tool a. Visi Calc b. Unify c. Ada
c. sized using any of the sizing handles d. Snowball e. None of these
d. All of the above
e. None of the above 150. Comments put in cells are called
138. The bar at the top of the Window that bears the a. Smart Tip b. Cell Tip c. Web Trip
d. Soft Trip e. None of these
name of the Window is known as
a. Status Bar b. Control Panel c. Menu Bar 151. When we embedded Excel worksheet into a
d. Title Bar e. None of these Word document
139. Name of a newly created Word document is a. it leaves the data in its original Excel format and the data
must be edited with Word features
a. Document b. Word c. DOC
b. it is inserted into Word as an pasted table
d. File e. None of these
c. editing change the data and formatting gets changed in the
140. To cut the selected text, these keys should be original Excel worksheet
pressed. d. editing does not change the data and formatting in the
original Excel worksheet
a. Ctrl + C b. Ctrl + D c. Ctrl + V
e. None of the above
d. Ctrl + X e. None of these
141. It refers to a paragraph format, in which the first 152. A function in Excel
line of a paragraph starts farther to the left than a. can be build using a Function Wizard
b. is a shortcut formula c. is a readymade formula
subsequent lines. It is d. All of these e. None of these
a. global template b. frame c. field
d. hanging indent e. None of these 153. Excel can display upto .. fields of a data form.
142. It refers to a special document template in a. 16 b. 32 c. 64 d. 128 e. 256
which form fields allow the user to complete the form 154. We can convert existing Excel worksheet data
online without affecting the text and formatting of and charts to an HTML document by using the
the form. It is a. Linking Assistant Wizard b. HTML Assistant Wizard
a. global template b. frame c. form c. Internet Assistant Wizard d. Intranet Assistant Wizard
d. hanging indent e. None of these e. None of these
143. It is a template with the filename NORMAL. 155. When we copy and paste Excel data into a
DOT that contains default menus, dialog box setting Word document
and styles. It is
a. it automatically gets updated when data in Excel changes
a. global template b. frame c. field b. we will be able to edit the data using Word editing features
d. hanging indent e. None of these
c. we will be able to use Excel menus and toolbars to edit the
144. It is a set of coded instructions that inserts many data
types of information into your document. It is d. a hyperlink is automatically created
e. None of the above
a. global template b. frame c. field
d. hanging indent e. None of these 156. Which view in Power Point can be used to enter
145. It is family of type styles such as Arial, Geneva, speakers comments?
Modern, etc. It is a. Normal b. Slide Show c. Slide Sorter
a. format b. font d. Notes Page view e. All of these
c. form letter d. form
e. None of these 157. Which key on the keyboard can be used to view
Slide show?
146. When, we create a chart on the same sheet as
a. F1 b. F2 c. F5 d. F10 e. F7
our data, we can view both the data and the chart at
the same time. This type of chart is called as 158. To insert a new slide in the current
a. Chart sheet b. Embedded chart presentation, we can choose
c. View sheet d. View chart
a. CTRL + M b. CTRL + N c. CTRL + O
e. None of these
d. CTRL + F e. None of these
147. Excel uses another name for database. It is 159. Animation Schemes can be applied to in
called as
the presentation.
a. Listing b. Organiser
c. Sequencer d. List a. all slides b. select slide c. current slide
e. None of these d. All of these e. None of these

148. A template is a 160. Ellipse Motion is a pre-defined

a. pattern of worksheet b. heading a. design template b. colour scheme
c. title d. theme c. animation scheme d. All of these
e. None of these e. None of these

92 Bankin Guru November 2017

 Part V General Awareness
161. The Constitution bench of Supreme Court has 173. Who has been appointed as new Executive
declared Right to Privacy as Fundamental Right under Director of the World Bank (WB) to represent the
Constitution. The bench was headed by whom? constituency of India, Bangladesh, Bhutan and Sri
a. DY Chandrachud b. AM Sapre c. JS Khehar Lanka?
d. RF Nariman e. None of these a. S. Aparna b. Ajay Bhadoo c. KC Sampat
d. Subhash Garg e. None of these
162. Which State government has launched a
grid-connected rooftop solar programme through 174. Which committee has been constituted by the
net-metering system? SEBI on fair market conduct?
a. Odisha b. Madhya Pradesh c. Rajasthan a. KM Krishna Committee b. GS Prasad Committee
d. Kerala e. Uttar Pradesh c. TK Viswanathan Committee d. PS Chauhan Committee
e. None of these
163. The Union government has recently hiked OBC
creamy layer ceiling limit to how much for Central 175. Which State government has launched
government jobs? Aadhaar-authenticated Direct Benefit Transfer portal
MahaDBT?
a. ` 6 lakh b. ` 8 lakh c. ` 7 lakh
d. ` 11 lakh e. None of these a. Kerala b. Maharashtra c. Madhya Pradesh
d. Uttar Pradesh e. Odisha
164. Which Union Minister has launched Swasth
Bachche Swasth Bharat programme?
176. The Canara Bank has launched its first digital
banking branch CANDI in which city?
a. Prakash Javadekar b. Rajnath Singh
c. Narendra Modi d. Arun Jaitley a. Bengaluru b. Kolkata c. Kochi
e. Adityanath Yogi d. Gandhinagar e. Maharashtra

165. Which city is hosting the 8th World Renewable 177. Who has been appointed as Indias alternate
Energy Technology Congress? Governor on the Board of Governors of the Asian
a. Pune b. Guwahati c. New Delhi
Development Bank (ADB)?
d. Bhopal e. Mumbai a. Kaushik Basu b. Subhash Chandra Garg
c. Rajiv Mehrishi d. Shaktikanta Das
166. Indias first world peace university has come up e. None of these
in which State? 178. Google has launched Android 8.0 named as
a. Haryana b. Uttar Pradesh c. Maharashtra
a. Cupcake b. Eclair c. Froyo d. Oreo e. Nestle
d. Assam e. Odisha

167. TRAI has signed a Letter of Intent (LoI) with 179. Indian Space Research Organisation (ISRO) has
lined up over ...... rocket launches and will be putting
which countrys telecom regulator to jointly conduct
over 70 satellites in space over the next five years.
capacity building exercises in telecom sector?
a. 21 rl b. 26 rl c. 31 rl
a. Indonesia b. Malaysia c. Vietnam d. 36 rl e. None of these
d. Maldivies e. None of these
180. Which Indian sportsperson has been appointed
168. Who has won the 2017 Kenya Presidential as the WHO Goodwill Ambassador for physical
election?
activity in the South-East Asia Region (SEAR)?
a. William Ruto b. Raifa Odinga c. Yoweri Museveni
d. Uhuru Kenyatta e. None of these a. Mary Kom b. Milkha Singh c. Pullela Gopichand
d. Abhinav Bindra e. None of these
169. Which country has successfully launched 181. Ankur Mittal is associated with which sports?
satellite-carrying rocket Simorgh into space?
a. Sprint b. Football c. Shooting
a. Germany b. France c. Japan d. Iran e. China d. Basketball e. Sketting
170. Which country to host 5th Global Conference 182. Which Indian shuttler has won the mens
on Cyber Space (GCCS)-2017? singles Lagos International 2017?
a. Japan b. China c. South Korea a. Karan Rajan Rajarajan b. Rahul Yadav Chittaboina
d. India e. USA c. Manu Attri d. B Sumeeth Reddy
e. None of these
171. Which of the followinng has become the first
power utility to introduce a QR code based bill 183. The International Day for the Remembrance of
payments system in India? the Slave Trade and its Abolition is observed on
a. Tata Power b. Adani Power which date?
c. Reliance Power d. Jindal India Thermal Power a. August 24 b. August 25 c. August 22
e. None of these d. August 23 e. August 26
172. BSNL has launched its BSNL Wallet in 184. Who has been appointed as the new Chairman
partnership with which digital payment company? and Managing Director (CMD) of Air India?
a. Jio Money b. PhonePe c. MobiKwik a. Rajiv Bansal b. Kirti Das c. Nitant Agrawal
d. Paytm e. Freecharge d. Vinay Kumar e. None of these

Bankin Guru November 2017 93

185. Who has been appointed as the new 195. Who among the following has recently been
non-executive Chairman of Infosys? appointed as the Secretary of Department of
a. Ravi Venkatesan b. R. Seshasayee c. Nandan Nilekani Telecommunications (DoT)?
d. UB Pravin Rao e. None of these a. Aruna Sundararajan b. JS Deepak c. Manju Jha
d. PK Pujari e. None of these
186. Who has been appointed as the new Chairman
of Railway Board? 196. Which of the following goods will not be taxable
a. Ashwani Lohani b. AK Mittal c. PS Thakur under the Goods and Services Tax economy, by way
d. Neelmani Reddy e. None of these of definition of GST in the Constitution?
1. Aviation Turbine Fuel
187. 'Maa Comittee' was recently constituted by
Uttar Pradesh government to monitor which of the 2. Alcohol for human consumption
following schemes? 3. Natural Gas
a. Mission Indradhanush
4. Petrol
b. Beti Bachao, Beti Padhao Yojana Select the correct answer using the code given below.
c. Swachh Bharat Abhiyan a. 1, 3 and 4 b. Only 2 c. 1, 2 and 4
d. SABLA d. None of these e. All of these
e. None of the above
197. Identify the correct statement
188. Which insurance provider recently tied up with a. The 97th Constitutional Amendment Act gave a constitutional
Catholic Syrian Bank to distribute life insurance, status to cooperative societies.
health and pension products? b. The right to form cooperative societies is a fundamental right.
a. HDFC Standard Life Insurance Company c. The cooperative societies is a subject enumerated in the
b. ICICI Prudential Life Insurance Union list.
c. Life Insurance Corporation of India d. (a) and (b)
d. SBI Life Insurance Co. Ltd e. (a) and (c)
e. Bajaj Aliianz
e. None of the above 198. Digital payment wallet service Paytm launched
its Payments Bank operations by launching its first
189. S. Ramassamy, who recently passed away, was physical branch in Noida. Choose the correct
the former Chief Minister of which State? statements regarding Paytm bank
a. Puducherry b. Kerala 1. As a Payments Bank, Paytm will be accepting
c. Karnataka d. Tamil Nadu deposits up to ` 1 lakh per customer in savings or
e. Andhra Pradesh
current accounts.
190. Who has recently been elected as the Chairman 2. Customers will also be offered zero charges on all
of FIFA Governance Committee at the FIFA's 67th online transactions and there is no minimum
Congress? balance requirement.
a. Justice Mukul Mudgal b. Justice Anil R. Dave 3. For Savings Accounts, it will offer an interest of
c. Justice Shiva Kirti Singh d. Justice Ranjana P. Desai 4% per annum in line with the interest rates of all
e. Justice AK Patnaik leading commercial banks.
Which of the above statements is/are correct?
191. United Nations International Day of Vesak is a. 1 and 2 b. 2 and 3 c. 1 and 3
being celebrated in which Asian country? d. All of these e. Only 3
a. Malaysia b. India
c. Myanmar d. Nepal 199. Choose correct statements about Justice Mukul
e. Sri Lanka Mudgal
1. He is a retired Indian judge of Delhi High Court.
192. Who among the following recently received the
2. He served as the Chief Justice of Punjab and
Woodrow Wilson Award?
Haryana High Court from 2009 to 2011.
a. Chitra Ramkrishna b. Aarthi Subramanian
c. Chanda Kochhar d. Alice G. Vaidyan 3. Elected as the Chairman of FIFA Governance
e. Anita Dongre Committee in 2017.
Code
193. Who among the following will head a a. All of these b. 2 and 3 c. 1 and 3
committee formed by Uttar Pradesh government to d. 1 and 2 e. None of these
implement its decision of waving off farmers' 200. The components of Indias Foreign Exchange
agricultural loan? Reserves include :
a. Rahul Bhatnagar b. Dinesh Sharma 1. Foreign Currency Assets (FCAs)
c. Suresh Khanna d. Ramapati Shastri
e. Rajesh Agarwal 2. Gold
3. Special Drawing Rights (SDRs)
194. Divya Kakran, bagged a silver medal at the 4. RBIs Reserve position with International
Asian Wrestling Championship in which category? Monetary Fund (IMF)
a. 55 kg b. 57 kg Code
c. 59 kg d. 65 kg a. All of these b. 1, 2 and 3 c. 2 , 3 and 4
e. 69 kg d. 2 and 3 e. 1, 3 and 4

94 Bankin Guru November 2017

 Hints & Solutions
1. (e) Only lotus is a water flower. 25. (c) D & T D < T 36. (d) Suneeta fulfills all the conditions.
2. (c) As Jackal is Carnivorous in the same R # T R T Hence, she is to be selected.
way Goat is a Herbivorous. and R $ M R M 37. (a) Rakesh Rao fulfils all the conditions
3. (b) The colour of Grass is green and D < T R M except (iv) but he has been working as a
green is called black. Hence, the colour of Software Manager for the last 6 years so
I. M & T M < T
Grass is black. according to (B) his case is to be referred to
II. M % T M = T VP.
4. (d) R A I D % # $
One of the either is true.
and R I P E % @ 38. (a) Ram Kumar fulfills all the conditions
26. (b) E % H E = H except (iv) but he has been working as a
DEAR$#%
H $ M H M Software Manager for the last 6 years so
5. (a) As Radish is related to Root in the according to (B) his case is to be referred to
same way Brinjal is related to Fruit. and M # Q M Q
VP.
6. (d) The data even in both the statements I E = H M Q
and II is not sufficient to answer the question. I. H $ Q H Q (False) 39. (c) Since, the marks obtained by Nishant
in graduation are not given. So, the data
7. (e) From I and II, II. E $ M E M (True)
provided is not sufficient to take a decision.
36 27. (e) S # A S A
36 $ 4 8 = 36 4 8 = 8 = 72 40. (e) Kalyani is a Telecommunication
4 S @ T S> T Engineer. Hence, she is not to be selected.
8. (c) From I, and L & T L < T
41. (e) Refer the second-last sentence of the
15 + + 10 L < T < S A second paragraph.
Sudhir Samir I. L & A L < A (True)
42. (a) Refer ......... what we should do when
Samirs rank from the top is 20th. II. S @ L S > L (True) robots do arrive..............
From II, 12 + + 14 28. (a) G $ J G J 43. (d) The inventor thought the imaginary
Neeta Samir J@KJ>K death rays to have been existing already.
Samirs rank from the top is 16th. and K % N K = N 44. (b) Refer the opening sentences of the
9. (a) From I, N > Q > F > L, G G J> K = N third paragraph.
Hence, N was the first to reach the college. I. G @ N G > N (True) 45. (e) These heroes would not have
From II, N > F, G and F > L II. G % N G = N (False) achieved their feat without their robot
There is no any information regarding Q. 29. (b) L $ 3 and B # 1 companions.
10. (e) From I, 30. (a) +1 +1 46. (d) Refer the third-last sentence of
she is fat he ra ca the passage.
From II, fat boy ra ka K L : $ 7 B 1: G A
47. (b) Vanguard means leading character
From I and II, fat ra +2 +2 +2 +2 in a movement or opinion.
11. (d) 12. (a) 13. (a) 14. (b) 15. (d) 31. (b) After dropping all the vowels, we get, 48. (b) Refer The robot was not a prop but
16. (c) 17. (a) 18. (d) 19. (e) 20. (b) a character .
WTD5MK%L$37FB#1G
21. (d) G # H G H H@JV24 49. (c) Refer It took some time .... an
H $ K H K airplane. (Third paragraph)
and K @ M K > M Here, 13th element from the right is 7 and 5th 50. (d) Refer the last sentence of the third
G H K > M element to the right of 7 is G. paragraph.
I. M # G M G (False) 32. (a) On reversing the first ten elements, 51. (c) 52. (b) 53. (a) 54. (c) 55. (d)
II. G & M G < M (False) we get, 56. (b) 57. (c) 58. (d) 59. (e) 60. (a)
22. (a) F $ D F D $L%KM5IDTW37FEB#1 61. (a) That you have committed blunder is
H # M H M known to everyone of us.
and M % D M = D 62. (e) Because of his honesty and hard
F D = M H GHA@JUV24 work, with which the chairman was
I. F $ H F H (True) 11th element from the left is 3 and the third impressed, he was given a substantial salary
II. F @ H F > H (False) element to the left of 3 is D. rise./Impressed with his honesty and hard
work, the chairman gave him a substantial
23. (d) R & M R < M 33. (d) salary rise.
M # L M L D 5 W, L 3 K, E # 7,
and L $ Q L Q
63. (b) Had you told us in advance, we
would have certainly helped you.
R < M L Q +2 4 +2 4 +2 4
I. M % Q M = Q (False) 64. (d) Barring (except) that he is
H G, U 2 @,
short-tempered, he possesses many
II. M @ Q M > Q (False)
qualities of a good leader. /Although, he is
24. (e) F # R F R +2 3 +2 4 short-tempered, he possesses ..../In spite of
Q $ R Q R the fact that he possesses many qualities of
34. (c) F E B and J U V
and Q & M Q < M a good leader, he is short-tempered.
35. (e) 8th element from the left is % and
F R Q < M 65. (e) 66. (d) 67. (e)
10th element from the right is G. The
I. F # Q F Q (True) element exactly midway between % and G 68. (a)
II. R & M R < M (True) is F.

Bankin Guru November 2017 95

69. (c) By + future indicating time takes future perfect. 92 85
105. (b) Required percentage increase = 100% = 8.24%
85
70. (e) Clever at / Good at = Skillful in
106. (a) Q x 2 7 x + 10 = 0 and y 2 + 11y + 10 = 0
71. (b) 72. (c) 73. (e) 74. (c) 75. (e)
76. (a) 77. (c) 78. (b) 79. (e) 80. (d) x = 2 or 5 and y = 1or 5
Solutions (Q.Nos. 81-85) According to the given information x> y
107. (d) Q x 2 + 28 x + 192 = 0 and y 2 + 16 y + 48 = 0
Time Slot Employee
P Q R S T U Total x = 12 or 16 and y = 4 or 12
9:01 am-11:00 am 62 60 48 70 55 52 347 x y
11:01 am-1:00 pm 54 58 52 64 45 54 327 108. (c) Q 2 x 3 y = 3.5and 3 x 2 y = 6.5
2:01 pm -4:00 pm 60 52 50 62 48 50 322
4:01 pm-6:00 pm 58 60 42 72 50 58 340 x = 2.5 and y = 0.5
6:01 pm-8:00 pm 58 56 46 68 58 62 348 x< y
8:01 pm-10:00 pm 60 55 54 60 54 64 347
109. (b) Q x 2 + 8 x + 15 = 0 and y2 + 11y + 30 = 0
Total 352 341 292 396 310 340
x = 5 or 3 and y = 5 or 6
58
81. (c) Required percentage = 100 97% x y
60
(70 + 64 + 62 + 72 + 68 + 60) 110. (e) Q x = 3136 = 56 and y 2 = 3136 y = 56
82. (d) Required ratio =
( 48 + 52 + 50 + 42 + 46 + 54)
x= y
396
== 99 : 73 111. (d) Number of women in the Accounts department
292 4600 8 1
( 62 + 54 + 60 + 58 + 58 + 60) = = 92
83. (a) Required average = 100 4
12 (26 + 11) 4600
352 112. (e) Required number = = 37 46 = 1702
= = 29.33 ~
29 100
12
113. (c)
84. (c)
18 1
12 60 4600
85. (d) Required average = = 2 .32 100 6 100 = 3%
310 114. (a) Required percentage =
4600
86. (c) If the distance travelled be x km 15 3
x 4600
115. (b) Required ratio = 100 5 = 15 3 2 = 9 : 11
x x
Then, required ratio = : = 60 = 11 : 12 22
4600
1 22 5 1
60 55 x
100 2
55 988 18 5
846 116. (e) SI = = ` 889.20
87. (a) Required time = h = 16 h 55 min 12 sec 100
50 88 7
117. (c) Q2 r = 88 r = = 14 cm
88. (b) Average speed of truck A 2 22
( 45 + 30 + 50 + 60 + 55 + 60) 300 5 8 22
= = m / s = 13 m/sec Area of the circle = 14 14 = 616 cm2
6 6 18 9 7
5
89. (d) C 10 1
118. (b) Probability that none is blue = 10 3 = =
50 40 C 3 120 12
90. (e) Required percentage increase = 100 = 25%
8
40 C4 70 1
119. (a) Probability that none is green = = =
91. (b) Let the total number of sweets be x. 10
C4 210 3
x x 14 x 13 x
Q =5 = 5 x = 22750 Probability that at least one is green = 1
1 2
=
325 350 13 350 3 3
22750 3
C 3 1
Number of sweets each boy got = = 70 120. (d) Probability that both are red = 10 2 = =
325 C 2 45 15
92. (d) 121. (a) 122. (d) 123. (d) 124. (a) 125. (a)
93. (c) Required number = 7P7 = 7 ! = 5040 126. (c) 127. (a) 128. (c) 129. (a) 130. (c)
94. (a) 95. (e) 131. (a) 132. (c) 133. (a) 134. (c) 135. (d)
96. (e) 3 4 = 12 136. (d) 137. (d) 138. (d) 139. (a) 140. (d)
141. (d) 142. (c) 143. (a) 144. (c) 145. (b)
4 12 = 48
146. (a) 147. (d) 148. (a) 149. (a) 150. (b)
12 48 = 576
151. (c) 152. (d) 153. (b) 154. (c) 155. (b)
48 576 = 27648
156. (d) 157. (c) 158. (a) 159. (d) 160. (c)
97. (b) 98. (d) 99. (b) 100. (c) 161. (c) 162. (a) 163. (b) 164. (a) 165. (c)
(100 82 ) 3650
101. (b) Required number = = 657 166. (c) 167. (b) 168. (d) 169. (d) 170. (d)
100
171. (a) 172. (c) 173. (a) 174. (c) 175. (b)
102. (c) Required ratio = 76 : 24 = 19 : 6
176. (a) 177. (b) 178. (d) 179. (a) 180. (b)
77 96
103. (d) Required ratio = 2800 : 2250 181. (c) 182. (b) 183. (d) 184. (a) 185. (c)
100 100 186. (a) 187. (e) 188. (a) 189. (a) 190. (a)
= 2156 : 2160 = 539 : 540 191. (e) 192. (c) 193. (a) 194. (e) 195. (a)
104. (e) 196. (b) 197. (d) 198. (d) 199. (a) 200. (a)

96 Bankin Guru November 2017

 SOLVED PAPER ONLINE
EXAM
June 5,
2017

Part I Quantitative Aptitude

Directions (Q.Nos. 1-5) In each of these questions a number series is given.
In each series one number is missing. Find out the missing number.

1. 7, 10, 15, 24, 39, ?

a. 52 b. 50 c. 63 d. 62 e. None of these

2. 104, 300, 469, 613, 734, ?

a. 982 b. 715 c. 834 d. 755 e. None of these
General Instructions 3. 5, 9, 17, 33, 65, ?
This question paper has 100 a. 127 b. 97 c. 129 d. 87 e. None of these
multiple choice questions, which
are divided into three parts. 4. 9, 21, 45, 81, 129, ?
a. 187 b. 199 c. 177 d. 189 e. None of these
Before the completion of time
limit, the candidates are not 5. 12, 16, 32, 68, 132, ?
permitted to submit their a. 196 b. 232 c. 276 d. 213 e. None of these
answers. Directions (Q.Nos. 6-10) Study the following table carefully and answer the
given questions.
To navigate between questions,
the candidates can click on the Number of Eggs Produced by Six Farms
question number displayed to Farm
the right of the screen. Year A B C D E F
2000 420 360 396 528 492 444
2001 564 492 576 612 576 540
Part Subject No. of Questions
2002 588 612 624 648 576 564
I Quantitative Aptitude 35 2003 600 660 648 636 612 600
II Reasoning Ability 35 2004 648 708 684 672 660 672
English Language 30 2005 732 744 720 756 708 720
III

* Based on Memory 6. What is the average number of eggs produced by farm D over the
years?
a. 7703 b. 7700 c. 7704
d. 7604 e. Other than those given as options

7. The eggs produced by farm B in the year 2003 are approximately.

what percent of the eggs produced by farm B over the years?
a. 18% b. 16% c. 19%
d. 20% e. Other than those given as options

8. What is the respective ratio of the dozens of eggs produced by farm A

to farm E in the year 2005?
a. 59 : 61 b. 43 : 59 c. 61 : 58
d. 61 : 59 e. Other than those given as options

Bankin Guru November 2017 97

 9. What is the respective ratio of the dozens of eggs 18. Income of Company B is how much percentage
PAPER
produced by farms A, B and C together in the year more than the expenditure of company C?
2000, to the dozens of eggs produced by farms D, E a. 125% b. 150% c. 30%
and F together in the same year? d. 14% e. Other than those given as options
a. 60 : 40 b. 61 : 49 c. 49 : 61 d. 61 : 59 e. 7 : 61 Directions (Q.Nos.19-23) In these questions two
10. What is the difference between the total number equations numbered I and II have been given. You have to
of eggs produced by all the farms together in the solve both the equations and choose the correct option.
year 2001 and the year 2004? Give answer
a. 8204 b. 8208 c. 8200 a. if x > y b. if x y
d. 684 e. Other than those given as options c. if x < y d. if x y
e. if x = y or relationship between x and y cannot be established
11. Tom started a business with ` 52000 and after 4 19. I. x 2 + 3 x 4 = 0 II. 10 y 2 + 51 y + 56 = 0
months Harry joined him with ` 39000. At the end of
the year out of the total profits Harry received total 20. I. x 2 + 18 x + 65 = 0 II. 15 y 2 + 4 y 35 = 0
` 20000 including one-fourth of the profits as
commission for managing the business. What profit
21. I. x 2 + 10 x + 25 = 0 II. y 2 + 29 y + 190 = 0
did Tom receive? 22. I. x 2 6 x 40 = 0 II. y 2 + 18 y 40 = 0
a. ` 40000 b. ` 20000 c. ` 30000
d. ` 50000 e. Other than those given as options 23. I. x 2 + 5 x 66 = 0 II. 25 y 2 + 65 y + 42 = 0

12. Three Science classes A, B and C take a Life Directions (Q.Nos. 24-28) Study the following graph
Science test. The average score of class A is 83. The carefully and answer the questions.
average score of class B is 76. The average score of Water Level of Four Major Rivers (in metres) in Four
class C is 85. The average score of class A and B is 79 Different Months
and average score of class B and C is 81. Then the 250
average score of classes A, B and C is Water level 200
a. 80 b. 80.5 c. 81 d. 81.5 e. 82 (in metres)
150

13. Two squares are chosen at random on a chess 100

board, what is the probability that they have a side 50
in common? 0
1 1 1 1 1 June July August September
a. b. c. d. e.
32 18 63 36 56 River-A 196 205 230 212
Directions (Q.Nos. 14-18) Read the following graph River-B 202 224 211 207
and answer the questions below. River-C 196 210 230 184
% Expenditure of Various Company
River-D 146 200 235 219
Company Profit%
F A A 40 24. If the water level of River-A in July is decreased
15% 30% B 25
E by 20%, then what will be the water level of River-A
C 50
17% B D 60
in July?
18% E 70 a. 156 m b. 162 m c. 164 m
D
11% F 80 d. 152 m e. Other than those given as options
C
9% P% = (Income Expenditure) 25. In which river and in which month respectively
Total Expenditure = ` 40 crore /Expenditure 100 the water level is the highest?
a. River-C in August b. River-D in September
14. What is the income of Company A? c. River-A in July d. River-B in August
a. ` 21.6 crore b. ` 16.8 crore c. ` 22.4 crore e. Other than those given as options
d. ` 27.5 crore e. Other than those given as options
26. What is the average water level of River-A in all
15. What is the sum of net profit of company C, D the four months together?
and F? a. 224.50 m b. 212.25 m c. 210.75 m
a. ` 12 crore b. ` 10.48 crore c. ` 12.46 crore d. 222.25 m e. other than those given as options
d. ` 9.24 crore e. ` 8.64 crore
27. If the danger level of all the four rivers is above
16. Find the difference between the total income 215 m , which river has not crossed the danger level
and the total expenditure of all the six companies? in August but has crossed the danger level in July?
a. ` 29.5 crore b. ` 25.8 crore c. ` 27.2 crore a. River-A b. River-B c. River-C
d. ` 20.6 crore e. Other than those given as options d. River-D e. None of these

17. Profit of Company E is what percentage of the 28. What was the respective ratio between the level
income of company C? of River-C in September and the water level of
a. 120% b. 88.14% c. 900% River-B in June?
d. 40% e. Other than those given as options a. 91 : 101 b. 94 : 101 c. 51 : 103 d. 31 : 101 e. 92 : 101

98 Bankin Guru November 2017

29. The time taken by a boat to travel 117 km 32. In a mixture of 150 L, the ratio of milk to water is
downstream is 9 hours and the same distance 2 : 1. What amount of water should be further added
1 to the mixture so as to make the ratio of the milk to
upstream is 13 hours. The speed of the stream is of
4 water 1 : 2 respectively?
the speed of the boat. Find the distance travelled by a. 145 L b. 160 L c. 180 L
the boat going upstream in 2 hours? d. 150 L e. Other than those given as options

PAPER
a. 32 km b. 14 km 33. The average speed of a bus is three-fifths of the
c. 18 km d. 20 km
e. Other than those given as options average speed of a car which covers 3250 km in 65
hours. What is the average speed of the bus?
30. The ratio of Smitas age to her mother is 3 : 7 a. 30 km/h b. 20 km/h c. 35 km/h
respectively and the difference in their ages is 32 d. 36 km/h e. Other than those given as options
years. What will be the ratio of their ages 4 years
hence? 34. Mehul sold an item for ` 5625 and incurred a loss
of 25%. At what price should he have sold the item
a. 4 : 19 b. 5 : 14
c. 3 : 20 d. 7 : 15 to gain a profit of 25%?
e. 3 : 8 a. ` 9375 b. ` 9357
c. ` 9753 d. ` 9573
31. The ratio of number of male and female e. Other than those given as options
employees in an office is 5 : 3. In the office there are 1
Engineers and Managers. If 30% of the male 35. A person spends of his income on food. He
3
employees are managers and 40% of the female spends the rest of the income in the ratio 4 : 1 on
employees are engineers then what is the ratio of buying clothes and books respectively. He spent
number of Engineers in the company to the total
number of employees? ` 2400 on the books. Find the total income of man.
a. 47 : 43 b. 33 : 50 a. ` 18000 b. ` 24000
c. 47 : 80 d. 52 : 75 c. ` 12000 d. ` 14000
e. Other than those given as options e. Other than those given as options

Part II Reasoning Ability

36. A is wife of B. D is brother of A. P and Q are the Directions (Q.Nos. 40-44) Study the following
children of E, who is wife of D. How is B related information and answer the given questions.
to Q? Maya, Pavan, Amit, Arvind, Raghu, Rajeev and Ashok
a. Father b. Grandmother live in different floors of the same building. The
c. Uncle d. Father-in-law lowermost floor of the building is numbered 1, the floor
e. Cousin immediately above that is numbered 2 and so on till the
Directions (Q.Nos. 37-39) Study the following topmost floor is numbered 7.
information and answer the questions. Arvind lives in an even numbered floor. Maya does not
Lalit goes to his office from his house with his son by a live above Arvinds floor. Pavan lives three floors above
bike. He drives the bike from point A. He drives 6 km Rajeevs floor. Only one person is living between the
towards South and reaches point B. Then he turns to his floor in which Rajeev and Maya are living. Ashok lives in
right and drives 8 km and reaches a bakery shop. an odd numbered floor. Rajeev does not live below
Arvind. Amit lives in the floor immediately above
37. How far is bakeries shop from point A and in Ashoks floor.
which direction?
a. 10 km, South-West b. 11 km, North-East 40. Who lives in floor number 3?
c. 12 km, South-West d. 13 km, South-East a. Maya b. Raghu c. Rajeev
e. Other than those given as options d. Amit e. Ashok

38. From bakery store Lalit turns to his right and 41. Who is living immediately above Raghus floor?
drives 4 km and reaches Point C. He then takes a a. Maya b. Ashok c. Amit d. Pavan e. Rajeev
right turn and drives 5 km and reaches school and
drops his son. What is the distance between bakery 42. Who lives on the topmost floor?
shop and school? a. Amit b. Ashok c. Pavan d. Raghu e. Maya
a. 3.10 km b. 5.13 km 43. On which floor is Amit living?
c. 6.4 km d. 4.56 km a. 7 b. 6 c. 5 d. 4 e. 3
e. 7.5 km

39. From the school he drives 5 km towards left then 44. If all the people are arranged in the same order
as they would appear in the dictionary, starting from
turns right and drives 2 km and reaches point D.
top floor to bottom floor, position of how many
Point D is in which direction of Point A?
person(s) will remain unchanged after the
a. North-West b. South-West
c. South-East d. North-East
rearrangement?
e. North a. None b. One c. Two
d. Three e. More than three

Bankin Guru November 2017 99

 Directions (Q.Nos. 45-49) Study the following 54. What is the ratio of sum of the codes of lie and
PAPER
information and answer the given questions. stage to the sum of the codes of two and cap?
Eight persons U, V, J, A, X, W, B and M are sitting a. 18 : 29 b. 19 : 28 c. 19 : 24 d. 3 : 5 e. 28 : 19
around a square table in such a way that four fo them
sit at four corners of the square table while four sit in
55. If M > N O < P and T < O > C Z are true, then
which of the following options is definitely false?
the middle of each of the four sides. The ones who sit at
the four corners face the centre while those who sit in a. M > O b. C = T c. O = Z d. T < P e. N Z
the middle of the sides face outside. 56. If X > Y Z and A B > Y < M T are true, which
A is sitting second to the right of U. U sits at one of the of the following options is definitely false?
middle side of table. X sits second to the right of B. B is a. Z < X b. T < X c. A < Z d. B > X e. Z < T
not the neighbour of U and A. There are three persons
sits between A and M. J is not the neighbour of U. V sits
Directions (Q.Nos. 57-59) Study the following
information and answer the questions.
second to the right of W.
There are seven members, 4 men and 3 women in a
45. Which of the following is not true with respect to family. They are A, B, C, D, E, F and G. B is an Athlete
the given seating arrangement? and father of E. F is the paternal grandfather of E and is
a. Two persons sit between A and U. a Boxer. C, who is a wrestler, is daughter-in-law of D. G
b. B and M do not face each other in the seating arrangement. is Es uncle and is an advocate. There is one Architect,
c. X and A are immediate neighbours of each other. one Journalist and one Pilot in the family. C is not Es
d. W sits opposite to B.
e. U sits in middle of one of the sides of the square table.
mother. D is not married to B. There are three married
couples in the family.
46. Who amongst the following is sitting third to the
right of V? 57. If F is the grandfather of a pilot, what is his
daughter-in-laws profession?
a. J b. M c. X
d. W e. Cannot be determined a. Journalist b. Boxer c. Advocate
d. Cannot be determined
47. How many people sit between X and W when e. Wrestler
counted in anti-clockwise direction from W? 58. If D is the Pilot and the Journalist is not a female,
a. None b. One c. Two then what is Es profession?
d. Three e. More than three
a. Architect b. Journalist c. Boxer
48. Who amongst the following sits opposite to U? d. Wrestler e. Athlete
a. A b. W c. V 59. If the Pilot does not have any child, then who is
d. J e. Other than those given as options
the Pilot?
49. What is the position of X with respect to J? a. A b. C c. E
a. Immediate left b. Second to the left d. Either A or B e. Either B or C
c. Third to the right d. Immediate right Directions (Q.Nos. 60-64) Study the following
e. Second to the right
information and answer the given questions.
Directions (Q.Nos. 50-54) Study the given information Seven students P, Q, R, S, T, U and W starts taking class
carefully and answer the questions. from Monday to Sunday of the same week but not
In a certain code language, necessary in the same order.
task night cheek black stage is coded as 39 35 36 97 70 T is taking class one of the day before Wednesday. There
two kind study cap lie is coded as 92 56 25 84 83 are three persons taking class between T and P. neither
two lab night cheek cap is coded as 35 16 56 39 84 Q nor R taking class on Wednesday. As many students
actor work task night is coded as 35 77 36 42 taking class between P and S is same as the students
taking between S and Q. R has taken class immediately
cap stage study kind glass is coded as 83 56 47 70 92
before the day on which U is taking the class.
(All the codes are two-digit codes only)
60. How many students are taking class after W?
50. Which word is coded as 47? a. 1 b. 3 c. 2
a. task b. night c. glass d. Cannot be determined
d. black e. stage e. Other than those given as options
51. How can cap black two be coded as? 61. How many students were taking class between T
a. 84 56 97 b. 56 39 83 c. 77 25 39 and W?
d. 42 39 35 e. Other than those given as options a. None b. 1 c. 2
d. 3 e. More than three
52. Which of the following can possibly be coded as
84 25 92? 62. S was taking class immediately after which day?
a. lie black stage b. study two lie c. actor night king a. Monday b. Tuesday c. Wednesday
d. study lab work e. two actor kind d. Friday e. Saturday
53. For how many distinct words can their 63. Who among the following is taking class on
respective codes be determined? Wednesday?
a. 8 b. 9 c. 10 d. 6 e. 7 a. P b. T c. W d. U e. S

100 Bankin Guru November 2017

64. Who is taking class exactly between U and Q? 66. If all the arranged persons are rearranged in
a. P b. S c. T ascending order from left to right, positions of how
d. R e. None many of them will remain unchanged?
65. In a certain coding system, MICRO is written as a. None b. One c. Two
d. Three e. More than three
NHDQP and WIDES is written as XHEDT, what
should be the code for STAINS? 67. Which of the following pairs are sitting at the

PAPER
a. TUBJMR b. RUBJMT c. TSBHOR extreme ends?
d. TIJHASD e. Other than those given as options a. N, M b. Q, L c. O, Q
d. Other than those given as options
Directions (Q.Nos 66-70) Study the following
e. Cannot be determined
information and answer the questions.
Eight friends F, G, H, L, M, N, O and Q are sitting in a 68. Based on the given arrangement, Q is related to
straight line facing North, but not necessary in the N and H is related to F in same way as M is related
same order. to?
l
H is sitting second to the right of N and L is sitting a. M b. F c. L
third to the right of H. d. Q e. Other than those given as options
l
M is sitting to the immediate right of F. 69. How many persons are sitting between Q and
l
Number of persons can sit between G and L is same M?
as the numbers of persons are sitting between Q and a. One b. Two c. Three
F. d. Four e. More than four
l
O is sitting to the immediate right of L who is not an 70. Who is sitting third to the left of H?
immediate neighbour of G. a. Q b. N c. L
l
F is not an immediate neighbour of N. d. No one e. Other than those given as options

Part III English Language

Directions (Q.Nos. 71-80) Read the following passage give him nothing for his work but large tom-cat. Jack
carefully and answer the question given below it. took the cat, and began carrying it very carefully in his
Certain words here been printed in bold to help you hands, but in a short time pussy scratched him so
locate them while answering some of the questions. much that he was compelled to let it go. When he got
Once upon a time there was a boy whose name was home, his mother said to him, You silly fellow, you
Jack, and he lived with his mother on a common. They should have tied it with a string, and dragged it along
were very poor, and the old woman got her living by after you. Ill do so another time, said Jack. So on the
spinning, but Jack was so lazy that he would do nothing following day, Jack hired himself to a butcher, who
but bask in the Sun in the hot weather, and sit by the rewarded him by the handsome present of a shoulder of
corner of the hearth in the winter-time. mutton. Jack took the mutton, tied it with a string, and
So they called him Lazy Jack. His mother could not get trailed it along after him in the dirt, so that by the time
him to do anything for her, and at last told him, one he had got home, the meat was completely spoilt. His
Monday, that if he did not begin to work for his porridge, mother was this time quite out of patience with him, for
she would turn him out to get his living as he could. the next day was Sunday, and she was obliged to do
This roused Jack, and he went out and hired himself for with cabbage for her dinner. You ninny-hammer, said
the next day to a neighbouring farmer for a penny; but she to her son, you should have carried it on your
as he was coming home, never having had any money shoulder. Ill do so another time , replied Jack. Well,
before, he lost it in passing over a brook. You stupid on the Monday Lazy Jack went once more and hired
boy, said his mother, you should have put it in your himself to a cattle-keeper, who gave him a donkey for
pocket. Ill do another time, replied Jack. Well, the his trouble. Now though Jack was strong he found it
next day, Jack went out again and hired himself to a hard to hoist the donkey on his shoulders, but at last he
cow-kepper, who gave him a jar of milk for his days did it, and began walking home slowly with his prize.
work. Jack took the jar and put it into the large pocket of Now it so happened that in the course of his journey he
his jacket, spilling it all, long before he got home. Dear passed a house where a rich man lived with his only
me! said the old woman; you should have carried it on daughter, a beautiful girl, who was deaf and dumb. And
your head. Ill do so another time, said Jack. So the she had never laughed in her life, and the doctors said
following day, Jack hired himself again to a farmer , who she would never speak till somebody made her laugh.
agreed to give him a cream cheese for his services. So the father had given out that any man who made her
In the evening Jack took the cheese, and went home laugh would receive her hand in marriage. Now this
with it on his head. By the time he got home the cheese young lady happened to be looking out of the window
was all spoilt, part of it being lost, and part matted with when Jack was passing by with the donkey on his
his hair. You stupid lout, said his mother, you should shoulders; and the poor beast with its legs sticking up
have carried it very carefully in your hands. Ill do so in the air was kicking violently and heehawing with all
another time, replied Jack. Now the next day, Lazy Jack its might. Well, the sight was so comical that she burst
again went out, and hired himself to a baker, who would out into a great fit on laughter and immediately

Bankin Guru November 2017 101

 recovered her speech and hearing. Her father was 79. Choose the word which is most opposite in
PAPER
overjoyed, and fulfilled his promise by marrying her to meaning to the word Rouse as used in the passage.
Lazy Jack, who was thus made a rich gentleman. a. Mobilise b. Disturb c. Concuss
d. Lull e. Agitate
71. Why Jack was repeatedly asked to go for work
by his mother? 80. Choose the word which is most opposite in
a. Because Jack was too lazy to do any work at home. meaning to the word Matted as used in the
b. Because the mother wanted her son to learn new work every passage?
day. a. Kinky b. Uncombed c. Unsettle
c. Because she was too old to earn living for her home. d. Snarl e. Untangled
d. Because she could not get any work for her son.
Directions (Q.Nos. 81-90) Read each sentence to find
e. Because they were poor and she wanted her lazy son to
contribute to their living.
out whether there is any grammatical or idiomatic error
in it. The error, if any, will be in one part of the sentence.
72. What did Jack earn after hiring himself to a The number of that part is the answer. If there is no error,
baker? the answer is (e). (Ignore errors of punctuation, if any)
a. He was rewarded with a piece of mutton.
b. He was presented with a large tom-cat. 81. We got/ everything ready for all/ of them long/
c. He was rewarded a jar of milk for his days work. before they arrived.
d. he was rewarded with a cream cheese. a. We got b. everything ready for all
e. He was rewarded with a coin. c. of them long d. before they arrived
e. No error
73. Why according to the passage, his mother had to
cook cabbage for the dinner? 82. The thief was caught/ after he has/ disposed of/
a. Because there was nothing else to cook. the stolen goods.
b. Because she wanted to teach her son a lesson for his a. The thief was caught b. after he has
continuous stupidity. c. disposed of d. the stolen goods
c. Because she was very annoyed by her sons behaviour. e. No error
d. Because the meat was completely marred by her son. 83. Delhis water supply/ system is certainly/ as
e. Other than those given as options good as is expected/ in a capital town.
74. Why the rich man married his daughter to lazy a. Delhis water supply b. system is certainly
c. as good as is expected d. in a capital town
Jack? e. No error
a. Because he promised to marry his daughter to the man who
would make her laugh. 84. He says that/ a two-miles walk/ always keeps
b. Because Jack was very sincere and honest. him/ healthy and fresh.
c. Because Jack was comical enough to impress her daughter. a. He says that b. a two-miles walk c. always keeps him
d. Because he got sympathetic towards Jacks economic d. healthy and fresh e. No error
condition.
e. Because his daughter insisted him to do so. 85. Simmi took me to a hotel/ and ordered for/ two
cups of coffee/ which the waiter brought in no time.
75. Why did Jack carry the donkey on his shoulders? a. Simmi took me to a hotel b. and ordered for
a. He wanted to impress the rich mans daughter. c. two cups of coffee
b. His mother asked him to do so. d. which the waiter brought in no time
c. He was foolish as he did not know how to carry a donkey. e. No error
d. He followed what his mother advised him after last stupid 86. The first European/ sailor to come to India/ in
act.
modern times/ was Vasco-di-Gama.
e. The donkey was rigid and reluctant to go with him.
a. The first European b. sailor to come to India
76. What was the ultimate fate of lazy Jack? c. in modern times d. was Vasco-di-Gama
e. No error
a. He finally came out of his stupidity.
b. He was no more a lazy boy as he used to be earlier. 87. When he was/ under house arrest/ he was
c. He got married to a rich girl and became a rich gentleman. debarred to send/ a letter even to his wife.
d. He was highly praised by his mother and the rich man.
e. Other than those given as options. a. When he was b. under house arrest
c. he was debarred to send d. a letter even to his wife
77. Choose the word which is most similar in e. No erorr
meaning to the word Hearth as used in the 88. In spite of his insincerity/ he was awarded/
passage. cent-percent marks/ in Mathematics.
a. Roof b. Haven a. In spite of his insincerity b. he was awarded
c. Warmth d. Condo c. cent-percent marks d. in Mathematics.
e. Fireplace e. No error
78. Choose the word which is most similar in 89. Much to his fortune, he/ married a girl who was/
meaning to the word Heehaw as used in the more tall and lovelier than/ her elder sister.
passage. a. Much to his fortune, he b. married a girl who was
a. Cackle b. Irritation c. Malady c. more tall and lovelier than d. her elder sister
d. Torment e. Lament e. No error

102 Bankin Guru November 2017

90. She prefers intellectual to manual occupations, come down from remote past and some (98) forms have
and/ is not so fond for fancy work as many of the been evolved maintaining the custom and simplicity.
blind/ children are; yet she/ is eager to join them in In the past, these wood craft items, such as toys, dolls,
whatever they are doing. idols, etc., were meant for local market. There is a great
a. She prefers intellectual to manual occupations, and demand for these wooden products as decorative items.
b. is not so fond for fancy work as many of the blind The mostly carry decorative value in modern society.
c. children are; yet she

PAPER
Some wood artisans make wooden masks (99)
d. is eager to join them in whatever they are doing
customary religious sentiments. The tools used for
e. No error.
wood craft are mainly the carpenters tools, carving
Directions (Q. Nos. 91-100) In the following passage chisels and the wood. The woods that they use are soft
there are blanks, each of which has been numbered. and are easily available. There are thousands of wood
These numbers are printed below the passage and craftsmen making pieces of wood carved itmes of (100)
against each, five words are suggested, one of which fill beauty.
the blanks appropriately. Find out the appropriate words
without changing to meaning of the blanks. 91. a. renovating b. decorating c. beautifying
d. colouring e. framing
The art of wood carving is very old craft in India. Since
time immemorial, man had started (91) his home by 92. a. established b. found c. inserted
using wood carving methods. They used to make dolls d. set-up e. tend
and toys for their children. Wood carft in India is a
common heritage and is (92) to exist across all parts of
93. a. beautifully b. remarkably c. splendidly
d. skilfully e. effectively
the country. The traditional craftsmen used wood, stone,
earth and colour for painting as raw materials. They (93) 94. a. difficulty b. tenacity c. accuracy
carved doors, door frames and brackets in palaces and d. austerity e. frugality
temples. Images of Gods, Idols and Deities were also
made of wood. Sacred woods were used in such 95. a. pedigree b. culture c. legacy
creations. The wood carvers had to retain strict (94) d. custom e. heritage
throughout the period they were occupied in the work. 96. a. zest b. flavour c. squirt
There was no restriction on the usage of colour and
d. fragrance e. spirit
varnish. We can see carved wooden symbols in the rural
arreas which reminds us of a tribal (95). Wood carft is 97. a. presentation b. affirmation c. illustration
still being used for carving toys and dolls. The modern d. demonstration e. manifestation
wood carving has touched a new height of
sculpturesque perfection. At maintain traditional local 98. a. experimental b. innovative c. creative
(96) at the same time. d. imaginative e. traditional
The religious product includes images of Gods and 99. a. exhibiting b. illustrating c. indicating
legendary figures like Durga, Ganesha, etc. Some d. depicting e. presenting
craftsmen carve a single piece of wood to form an
object. These attempts are made for artistic (97). Some 100. a. wonderful b. decorative c. exceptional
distinct forms and shapes of items of wood carft have d. anomalous e. exemplary

Hints & Solutions

1. (d) 7 6. (e) Average number of eggs produced by 732 708
10 15 24 39 62 Required ratio = : = 732 : 708
farm D over the years 12 12
+3 +5 +9 +15 +23 1
= ( 528 + 612 + 648 + 636 + 672 + 756) = 61 : 59 dozen
+2 +4 +6 +8 6 9. (c) Eggs produced by farms A, B and C
1
2. (c) 104 300 = 3852 = 642 together in the year 2000
469 613 734 834 6 420 + 360 + 396
= dozen
+196 +169 +144 +121 +100 7. (a) Eggs produced by farm B in the year 12
2003 = 660 1176
= = 98 dozen
(14)
2
(13)
2
(12)
2
(11)
2
(10)
2 Eggs produced by farm B over the years 12
= 360 + 492 + 612 + 660 + 708 + 744 Eggs produced by farms D, E and F
3. (c) 5 9 17 33 65 129 = 3576 together in the year 2000
660 528 + 492 + 444 1464
21 21 21 21 21 Required percentage = 100 = = = 122 dozen
3576 12 12
4. (d) 9 21 45 81 129 189 = 18.45 18%
Required ratio = 98 : 122
+12 +24 +36 +48 +60
8. (d) Eggs produced by farm A in the year = 49 : 61
732
2005 = dozen 10. (d) Total number of eggs produced by all
+12 +12 +12 +12 12
the farms together in the year 2004
5. (b) 12 and eggs produced by farm E in the year
16 32 68 132 232
708 = 648 + 708 + 684 + 672 + 660 + 672
2005 = dozen = 4044
2 2 2 2 2
+2 +4 +6 +8 +10 12

Bankin Guru November 2017 103

 Total number of eggs produced by all the Now, Income of Company C. 22. (e) I. x 2 6 x 40 = 0
PAPER
farms together in the year 2001 Income 3.6 x 2 10 + 4 x 40 = 0
50 = 100
= 564 + 492 + 576 + 612 + 576 + 540 3.6
x( x 10) + 4 ( x 10) = 0
= 3360 180 = Income 100 360 ( x + 4) ( x 10) = 0
Required difference = 4044 3360 = 684 Income =
540
= ` 5.4 crore x = 4, 10
11. (a) Ratio of profit of Tom and Harry 100
C Income = ` 5.4 crore II. y 2 + 18 y 40 = 0
= 52000 12 : 39000 8
Now, Income of Company D, y 2 + 20 y 2 y 40 = 0
= 52 12 : 39 8 = 624 : 312 = 2 : 1
Income 4.4 y( y + 20) 2 ( y + 20) = 0
Harry received = ` 20000 60 = 100
4.4 ( y + 20) ( y 2 ) = 0
Let, total profit earned = ` x
264 = Income 100 440 y = 2, 20
Share of Harry 704
Income = = ` 7.04 crore Here, relationship between x and y cannot
1
= Total profit earned 100 be establish.
(2 + 1) D Income = ` 7.04 crore 23. (e) I. x 2 + 5 x 66 = 0
1 Now, Income of Company F,
20000 = x x = 3 20000 x 2 + 11x 6 x 66 = 0
3 Income 6
80 = 100 x( x + 11) 6 ( x + 11) = 0
x = ` 60000 6
( x + 11) ( x 6) = 0
Share of Tom = 60000 20000 = ` 40000 480 = Income 100 600
1080 x = 11, 6
Hence, Tom received = ` 40000 Income = = ` 10.8 crore
100 II. 25 y 2 + 65 y + 42 = 0
12. (d) Given Average score of class A = 83
F Income = ` 10.8 crore 25 y 2 + 35 y + 30 y + 42 = 0
Average score of class B = 76 Net profit of Company C 5 y (5 y + 7 ) + 6 (5 y + 7 ) = 0
Average score of class C = 85 = Income Expenditure ( 5 y + 7 ) ( 5 y + 6) = 0
and Average score of class ( A + B ) = 79 = 5.4 3.6 = ` 18
. crore 7 6
A +B y= ,
i.e = 79 (i) Net profit of Company D 5 5
2 = Income Expenditure Here, relationship between x and y cannot
Average score of class (B + C ) = 81 = 7.04 4.4 = ` 2.64 crore be established.
(B + C )
i.e = 81 ...(ii) Net profit of Company F 24. (c) Water level of River-A in July
2 = Income Expenditure (100 20) 80
Average score of class (C + A ) = 84.5 = 205 = 205 m = 164 m
= 10.8 6 = ` 4.8 crore 100 100
(C + A )
i.e = 84.5 ...(iii) Sum of net profit of Company C, D and F
2 25. (a) From given table it is clear that the
= ` (18
. + 2.64 + 4.8) = ` 9 .24 crore water level of River-C was the highest in the
Now, adding Eqs. (i), (ii) and (iii), we have
month of August.
A +B B+C C + A 16. (d)
+ + = 79 + 81 + 84.5
2 2 2 17. (b) Income of Company 26. (c) Average water level of River-A in all
2( A + B + C ) the months together
= 244.5 E = ` 11.56 crore
1 843
2 and Expenditure of Company E = ` 6.8 = [196 + 205 + 230 + 212 ] = m
4 4
A + B + C = 244.5 crore
Now, average score of class A, B and C Profit of Company = 21075
. m
A + B + C 244.5 E = 11.56 6.8 = ` 4.76 crore 27. (b) From given table it is clear that River-B
= = = 815
.
had not crossed the danger level in August
3 3 and Income of Company C = ` 5.4 crore
2 1 1 but had crossed the danger level in July.
13. (a) Required probability = = 476
.
Required percentage = 100 28. (e) Water level of River-C in September
64 32 5.4
= 184 m
14. (b) Expenditure of Company A 476 4760
= 100 = = 8814
. % and water level of River-B in June = 202 m
40 30 540 54
= = ` 12 crore Required ratio = 184 : 202 = 92 : 101
100 18. (e) Income of Company B = ` 9 crore
Income Expenditure 29. (c)
P% = 100 and Expenditure of Company = ` 3. 6 crore
Expenditure 30. (d) Let, Smitas present age = S
Required percentage
Income 12
40 = 100 9 and her mothers present age = M
12 = 100 = 250%
3. 6 According to the question,
100 Income 1200 = 480 S 3
100 Income = 480 + 1200 = 1680 19. (e) 20. (c) = 3M = 7S (i)
M 7
Income =
1680
= 16.8 21. (a) I. x 2 + 10 x + 25 = 0
and M S = 32 (ii)
100 x 2 + 5 x + 5 x + 25 = 0 3M 3S = 96
Income = ` 16.8 crore x( x + 5) + 5 ( x + 5) = 0 7S 3S = 96 [Q3M = 7S]
15. (d) Expenditure of Company C ( x + 5) ( x + 5) = 0 4S = 96 S = 24 yr
9
= 40 = ` 3.6 crore x = 5, 5 3M = 7S = 7 24
100
II. y 2 + 29 y + 190 = 0 7 24
Expenditure of Company D M=
y 2 + 19 y + 10 y + 190 = 0 3
11
= 40 = ` 4.4 crore y( y + 19) + 10 ( y + 19) = 0 M = 56 yr
100
( y + 19) ( y + 10) = 0 Ratio of their ages after 4 yr
Expenditure of Company F
16 y = 19, 10 S + 4 24 + 4 28 7
= 40 = ` 6 crore = = = = = 7 : 15
100 x> y M + 4 56 + 4 60 15

104 Bankin Guru November 2017

31. (e) Let, Male Employee in Company = 5 x 44. (b) Solutions (Q. Nos. 60-64) From given
information, arrangement is as follows.
and Female employee in company = 3 x Floor
Person
New arrangement of
Number person Day Student
Total employee in company
7 Pavan Amit Monday T
= 5x + 3x = 8x 6 Amit Arvind Tursday R
Number of Managers in Company 5 Ashok Ashok
Wednesday U
30 3x 4 Raghu Maya
= 5x =

PAPER
Thursday W
100 2 3 Rajeev Pavan
Friday P
2 Arvind Raghu
Number of Engineers in Company Saturday S
1 Maya Rajeev
40 6x
= 3x = Sunday Q
100 5 It is clear from table that only one person
Ashoks position will remain unchanged 60. (b) 61. (c) 62. (d) 63. (d) 64. (a)
Required ratio = Number of Engineer : after the rearrangement.
6x 6 65. (c) As, M I C R O
Total employee = : 8x = : 8 Solutions (Q.Nos. 45-49) From given
5 5 +1 1 +1 1 +1
arrangement, seating arrangement is as
= 6 : 40 = 3 : 20 follows N H D Q P
32. (d) 33. (a) X J
B and W I D E S
34. (a) Given, SP = ` 5625, Loss % = 25% +1 1 +1 1 +1
100 A M
CP = SP
(100 Loss %) X H E D T

100 W U V Same as, S T A I N S

= 5625
(100 25) 45. (a) 46. (a) +1 1 +1 1 +1 1

100 47. (e) Five people sit between X and W

= 5625 = ` 7500 T S B H O R
75 when counted in anti-clockwise direction
from W. Solutions (Q.Nos. 66-70) From given
Now, to gain profit of 25%, SP
information, arrangement is as follows
(100 + 25) 48. (d) 49. (a)
= 7500 ( )
100 Solutions (Q. Nos. 50-54) According to the
given information Q N G H F M L O
125
= 7500 = 75 125 = ` 9375
100 task night cheek black stage 66. (a) New arrangement in ascending order
is as follows
35. (a) 36. (c) 39 35 36 97 70 ...(i)
( )
Solutions (Q.Nos. 37-39) From given two kind study cap lie F G H L M N O Q
information, direction diagram is as below.
2 km
92 56 25 84 83 ...(ii) From figure it is clear that none of the
D N
two lab night cheek cap persons position will remain unchanged.
5 km A W E 35 16 56 39 84 ...(iii) 67. (c) 68. (c) 69. (d) 70. (a) 71. (e)
C 5 km actor work task night 72. (b) 73. (d) 74. (a) 75. (d) 76. (c)
S
School 6 km 35 77 36 42 ...(iv) 77. (e) 78. (a) 79. (d) 80. (e) 81. (a)
4 km
cap stage study kind glass 82. (b) The main clause is in Past Tense. So,
B
Bakery 8 km 83 56 47 70 92 ...(v)
the subsequent clause will be in Past Tense
Shop too. Hence has is to be deleted.
50. (c) From Eq. (v), 47 glass 83. (a) It is inappropriate to make possessive of
37. (a) Distance of bakery shop from point
A = ( AB ) + ( 8) = ( 6) + ( 8)
2 2 2 2 51. (a) Here, cap 56, black 97, the non-living thing. Hence, it is wrong to use
two 84 Delhis water supply. It should be written as
= 36 + 64 = 100 = 10 km cap black two 84 56 97
The water supply of Delhi.
and the direction is South-West 84. (b) Replace a two-miles walk by a
52. (b) Here, 84 two, 25 lie, two-mile walk. It will rectify the sentence.
38. (c) Distance between bakery shop and
92 study or kind 85. (b) Ordered is not followed by for.
school = ( 4)2 + ( 5)2 = 16 + 25
From option (b), 84, 25, 92 study two lie
86. (b) Come to is the wrong usage. It
= 141 = 6 . 4031 = 6. 4 km 53. (e) Seven distincts words can their should be visit' which will make it correct.
39. (d) From direction diagram it is clear that respective codes be determined.
87. (c) Debarred is followed by from. To
point D is in North-West direction from point 54. (b) 55. (b) 56. (d) send is to be replaced by from sending.
A.
Solutions (Q.Nos. 57-59) From given 88. (b) Use Preposition with after
Solutions (Q. Nos. 40-44) From given information, diagram is as below. awareded.
information, arrangement is as follows. Boxer
+ 89. (c) More tall is to be replaced with
Floor Number Person F D
Son taller.
7 Pavan
Son 90. (b) Fond is followed by of and not by
6 Amit +
C G Athlete for.
5 Ashok
Wrestler Advocate B+ A
4 Raghu 91. (b) 92. (b) 93. (d) 94. (c) 95. (a)
3 Rajeev Child 96. (e) 97. (d) 98. (e) 99. (a) 100. (c)
2 Arvind +
1 Maya E

40. (c) 41. (b) 42. (c) 43. (b) 57. (d) 58. (a) 59. (c)

Bankin Guru November 2017 105

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40 B o o st e rs
Quantitative Aptitude
Directions (Q.Nos. 1-4) What will come in place of II. If Ram moves with the speed of six-fifth of its original
question mark (?) in the following questions? speed, then he reaches office 45 minutes earlier.
1 1 1 III. If Ram moves with original speed of 60 km/h.
1. 1 + 1 3 + 1 3 9 + 1 3 9 27 Which of the above statement(s) is/are required to
furnish the answer?
1 a. Statements I and II are necessary.
+ =?
1 3 9 27 81 b. Statements II and III are necessary.
a. 1.37 b. 1.57 c. 2.37 d. 2.57 e. 0.37 c. Statements I and III are necessary.
d. Only statement I can give the answer.
256 16 ? 8 2 e. All statements are necessary.
2. =1
92 7 6 + ? 2 11. Find the work completed by Ram and Shyam in how
a. 11 b. 12 c. 6 d. 9 e. 16 many days.
I. If Ram is twice efficient as B.
3. 3
1728 2 3136 3 21952 = ? 3
II. Shyam can complete this work in 24 days.
a. 9 b. 8 c. 12 d. 6 e. 4
III. If Ram joins the work after 2 days of the start of the
4. 37% of 6845 185% of 253266 = ? work.
Which of the above statement(s) is/are required to
1 1 1
a. b. c. furnish the answer?
37 5 5 35 5 27
a. Statements I and II are necessary.
1 1
d. e. b. Statements II and III are necessary.
5 47 5 57
c. Statements I and III are necessary.
d. All statements are necessary.
Directions (Q.Nos. 5-9) In the following questions, two e. None of the statements can give the answer.
equations are given, you have to find out the values and
give answer. 12. Find the present population of the city.
a. if x > y b. if x < y c. if x y
I. If the population of the city is 144000, two years ago.
d. if x y e. if x = y or the value cant be determined. II. If population of the city increases at the rate of 20%
per year.
5. I. 12x 2 + 15x = 4 x 2 7 II. y 3 = 1728
III. If the population of the city decreased by 1/10th of
its total population.
6. I. x 2 17 x + 60 = 0 II. 2y 2 19 y + 44 = 0
Which of the above statement(s) is/are required to
7. I. x 4 = 256 II. y 3 = 729 furnish the answer?
9 5 5 1
a. I and II b. II and III c. I and III
d. All of these e. None can find the answer
8. I. (x 7 18) = (8 x7) II. (y 18 3) = (2 18
y )
2 4 2 5 13. Find the total surface area of a solid cone.
9. I. 841x 707281 = 0 II. y 6 y 3 y 3 y 3 y 3 = 9 5 I. If height of the cone is twice of its radius.
II. If area of its base is 44 cm 2 .
Directions (Q.Nos. 10-14) In the following questions, a
question is followed by three statements I, II and III. III. If the slant height is 5 times its radius.
You have to study the statements and decide which of Which of the above statement(s) is/are necessary to
the statements is necessary to give the answer. furnish the answer?
a.Only I b. II and III c. I and II
10. Find the distance between Rams house and his office. d. Only III e. All of these
I. If Ram moves with the speed of two-fifth of his
original speed, then he reaches office 15 min late. 14. Find the amount paid after 3 years.
I. If the principle is ` 10000.

106 Bankin Guru November 2017

 Quantitative Aptitude Practice Dossier

II. The amount doubles itself in 3 years. 21. If NHAI could receive a total of ` 9695 crore as External
III. The amount triples itself in 4 years. Assistance, by what percent (approximately) should it
Which of the above statement(s) is/are necessary to increase the Market Borrowing to arrange for the
furnish the answer? shortage of funds?
a. I and II b. II and III a. 4.5% b. 7.5% c. 6%
c. Only III d. All are necessary d. 8% e. None of these
e. None of these
22. If the Toll is to be collected through an outsourced
15. A student travelled a distance of 61 km in 9 hours. He agency by allowing a maximum 10% commission, how
travelled partly on foot at the rate of 4 km/h and partly much amount should be permitted to be collected by
on bicycle at the rate of 9 km/h. The distance travelled the outsourced agency, so that the project is supported
on foot is with ` 4910 crore?
a. 15 km b. 16 km c. 17 km a. ` 6213 crore b. ` 5827 crore c. ` 5401 crore
d. 14 km e. None of these d. ` 5316 crore e. None of these
16. A boat takes half time in moving a certain distance 23. The central angle corresponding to Market Borrowing is
downstream than upstream. The ratio of the speed of the
a. 52 b. 137.8 c. 187.2
boat in stillwater and that of the current is d. 192.4 e. None of these
a. 3 : 1 b. 2 : 1 c. 4 : 3 d. 1 : 2 e. 5 : 4
24. The approximate ratio of the funds to be arranged
17. The average weight of first 11 persons among 12 persons through Toll and that through Market Borrowing is
is 95 kg. The weight of 12th person is 33 kg more than a. 2 : 9 b. 1 : 6 c. 3 : 11
the average weight of all the 12 persons. The weight of
d. 2 : 5 e. None of these
the 12th person is
a. 97.45 kg b. 128.75 kg c.131 kg Directions (Q.Nos. 25-28) The following pie-charts
d. 128 kg e. None of these show the distribution of students of graduate and post
graduate levels in seven different institutes in a town.
18. The average weight of six members are 3.95. The
average of two of them is 3.4, while the average of the Total Number of Students of Total Number of Students of
Graduate Level = 27300 Post Graduate Level = 24700
other two is 3.85. The average of the remaining two
members are N P N P
12% 12% 15% 12%
a. 4.7 b. 4.6 c. 4.8 Q M Q
M
d. 4.5 e. None of these 13% 8% 13%
17%
19. A and B invest in the ratio of 3 : 5. After six months, C T
R T
R
17% 14%
joins the business investing an amount equal to Bs. At 15% S 17% S
14% 21%
the end of the year, what will be ratio of their profits?
a. 3 : 5 : 5 b. 6 : 10 : 5 c. 8 : 10 : 5
d. 3 : 5 : 2 e. 4 : 5 : 9
25. What is the total number of graduate and post graduate
Directions (Q.Nos. 20-24) The following pie-chart level students in institute R?
shows the sources of funds (in ` crores) to be collected by a. 8320 b. 7916 c. 9116
the National Highways Authority of India (NHAI) for its d. 8099 e. None of these
Phase II projects. Study the pie-chart and answers the
questions that follow. 26. What is the ratio between the number of students
studying at post graduate and graduate levels
External respectively from institute S?
Assistance
11486 a. 14 : 19 b. 19 : 21 c. 17 : 21
Market SPVS d. 19 : 14 e. None of these
Borrowing 5252
29952
Toll 27. What is the ratio between the number of students studying
4910 at post graduate level from institute S and the number of
Annuity
students studying at graduate level from institute Q?
6000
a. 13 : 19 b. 21 : 13 c. 13 : 8
d. 19 : 13 e. None of these

20. Near about 20% of the funds are to be arranged through 28. How many students of institutes M and S are studying
a. SPVS b. External assistance at graduate level?
c. Annuity d. Market Borrowing a. 7516 b. 8463 c. 9127
e. None of these d. 9404 e. None of these

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Directions (Q.Nos. 29-30) Two different finance a. 19.5% loss b. 19.5% profit c. 10% loss
companies declare fixed annual rate of interest on the d. 12% profit e. None of these
amounts invested with them by investors. The rate of
interest offered by these companies may differ from 33. If the price of a mirror and a hankerchief is ` 14 and the
year-to-year depending on the variation in the economy price of the mirror is two-third of that of the hankerchief,
of the country and the bank rate of interest. The what is the price of five mirrors?
annual rate of interest offered by the two companies P a. ` 26 b. ` 27 c. ` 28 d. ` 29 e. ` 30
and Q over the years are shown by the line graph
provided below. 34. The sum of the present ages of Atul and Babloo is
Company P Company Q 48 years. After six years, the ratio of their ages will be
11 10 13 : 17. What is the difference between their ages?
9.5
10 9 9
9 a. 6 yr b. 8 yr c. 10 yr
8
8 d. 12 yr e. None of these
7 8 8 8
7 7.5 6
6 6.5 Directions (Q.Nos. 35-40 ) In these questions, a number of
6.5
5 series is given. After series a number is given followed by (a),
4 4 (b), (c), (d) and (e). You have to complete the series starting
3 with the give numbers following the sequence of original
2
1 series and answer the questions that follow the series.
0
2004 2005 2006 2007 2008 2009 2010 35. 11 5 4 4.5 7 15
Year 15 (a) (b) (c) (d) (e)
29. If two different amounts in the ratio 8 : 9 are invested What will come in place of (b)?
in companies P and Q, respectively in 2009, then the a. 6 b. 9 c. 8 d. 11 e. 7
amounts received after one year as interests from 36. 9 18 54 216 1080 6480
companies P and Q are approximately in the ratio of
7 (a) (b) (c) (d) (e)
a. 2 : 3 b. 13 : 18 c. 11 : 15
What will come in place of (c)?
d. 4 : 3 e. None of these a. 156 b. 128 c. 152 d. 132 e. 168
30. An investor invested ` 5 lakh in company Q in 2004.
37. 5 31 159 645 1951 3927
After one year, the entire amount along with the
3 (a) (b) (c) (d) (e)
interest was transferred as investment to company P
in 2005 for one year. What amount will be received What will come in place of (b)?
from company P, by the investor? a. 92 b. 91 c. 93 d. 99 e. 96
a. ` 594550 b. ` 580425 c. ` 577800 38. 7 13 31 97 391 1967
d. ` 577500 e. None of these 13 (a) (b) (c) (d) (e)
What will come in place of (d)?
31. An owner distributes some money among three a. 584 b. 535 c. 596 d. 586 e. 574
servants : Ramu, Shyamu and Babu in the ratio of
9 : 7 : 4. If the parts of Babu and Shyamu together is 39. 8 7 12 33 128 635
` 2400 more than that of Ramu, then the part of 6 (a) (b) (c) (d) (e)
Shyamu will be What will come in place of (c)?
a. ` 7200 b. ` 8400 c. ` 9600 a. 24 b. 21 c. 34 d. 26 e. 32
d. ` 10800 e. None of these
40. 15 14 20 33 68 215
32. Mohan purchased a calculator with 30% discount on 21 (a) (b) (c) (d) (e)
marked price. He sold it with 15% profit. What was his What will come in place of (c)?
profit/loss percentage on marked price? a. 63 b. 51 c. 56 d. 69 e. 76

Answers & Solutions

1. (a) Here, we have 59049 + 19683 + 2187 + 81 + 1

1 1 1 59049
1+ + +
1 3 1 3 32 1 3 32 33 81001
= 1. 37
1 59049
+ 256 16 ? 8 2
1 3 32 33 34 2. (a) Here, we have =1
92 7 6 + ? 2
1 1 1 1
1 + + 3 + 6 + 10
3 3 3 3 Now, putting x, in place of ?
256 16 x 8 2
310 + 3 9 + 3 7 + 3 4 + 1 so, =1
92 7 6 + x 2
310

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16 x 16
= 72
9 5 x 45
=1 8. (b) I. ( x 7 18) = ( 8 x 7 )
81 42 + x 2 60 60
9
= 72
16 x 16 = 39 + x 2 x 45
x7 8 (ii)
= 5 60 60
16 x x 2 55 = 0 18
x7 Both distance are equal
x 2 16 x + 55 = 0 9 5 14
24
x 15 x 45
x7 x7 = 8 18 x7 = 144 + = 72
x 2 11x 5 x + 55 = 0 60 60 60 60
[By splitting the middle term] x = 144
2
24 ( x + 15) = 72 ( x 45)
x( x 11) 5 ( x 11) = 0 x = 144 = 12 x + 15 = 3 ( x 45)
5 1
( x 11) ( x 5) = 0 x + 15 = 3 x 135
II. ( y18 3) = (2 y18 )
x = 11, x=5 15 + 135 = 3 x x 2 x = 150
5 1
Hence, in place of ?, 5 or 11 can come. 150
y18 y18 = 2 3 x= = 75 km
As per the option, we can take the value 6 1
2
11. y18 = 2 3 y 3 = 6 So, all statements are necessary to give
the answer.
3. (b) Here, we have y = ( 6)3 y = 216
1728 2 3136 3 21952 = ? 3
3 11. (d) To find the days to complete the work
x< y
12 56 28 = ? 3 See the I statement, Rams efficiency
9. (a) I. 841x = 707281 Shyams efficiency 2 efficiency of B.
12 2 = ? 3
24 = ? 3 ? = 8 29 x = 707281 Efficiency of a person is inversely
29 29 29 29 proportional to is number of working
4. (a) Here, we have 37% of 6845 185% x = days.
of 253266 = ? 29
So, If Shyam can complete the work in
37% of 6845 29 29 24 days.
? = x = x = 29
185% of 253266 29 Then, Ram can complete this work in
1 6845 1 x = (29)2 = 841 12 days.
? = =
5 253266 185 2 4 2 5 Now, Ram joins the work after 2 days.
1 1 II. y6 y 3 y 3 y 3 y 3 = 95 2 1
? = = Then, 2 days work of Shyam = =
185 5 37 2 4

2 5 24 12
y6 y 3 y 3 3 y 3 = 95 1 11
5. (b) I. 12 x + 15 x = 4 x 7
2 2
2 2 5
So, Remaining work = 1 =
12 12
12 x 2 4 x 2 + 15 x + 7 = 0 y6 y 3 y 3 y 3 = 95
After 2 days, Ram and Shyam both are
9
8 x 2 + 15 x + 7 = 0 working together.
y6 y 3 = 95 y9 = 95
8 x2 + 8 x + 7 x + 7 = 0 Hence, 1 day work of Ram and Shyam
32 5 y = 3 9 3 1 2 +1
9
y= =
1
+ = =
3
=
1
8 x ( x + 1) + 7 ( x + 1) = 0
x> y 12 24 24 24 8
( 8 x + 7 ) ( x + 1) = 0
Number of days to complete the work
7 10. (e) Let, the distance between Rams
x= ,x= 1 11 8 22 1
8 house and his office is x km. = = = 7 days
12 1 3 3
II. y 3 = 1728 Then, time taken by him to reach office
1
x Total number of days = 7 + 2
y = 1728 y = 12 = h = T [original (say)] 3
60
x< y 1
= 9 days
Here, speed = 60 km/h.
6. (e) I. x 2 17 x + 60 = 0 3
(in IIIrd statement)
So, all statements are necessary to
x 2 5 x 12 x + 60 = 0 Now, according to Ist statement furnish the answer.
x ( x 5) 12 ( x 5) = 0 Time = T (original) + 15 min late
12. (d) Population of the city, 2 years ago
( x 12 ) ( x 5) = 0 (as he reaches 15 min late)
= 144000
x = 12, 5 x
= + 15 min Rate of increasing = 20% per year
II. 2 y 2 19 y + 44 = 0 60
Rate of decreasing = 10% per year'
Now, Distance = Speed Time
2 y 2 11y 8 y + 44 = 0 Hence, total growth in population
= 60
2 x 15
+ = Equivalent percentage
2 y 2 8 y 11y + 44 = 0 5 60 60
20 10
2 y ( y 4) 11 ( y 4) = 0 = + 20 10
= 24
x 15
+ (i) 100
(2 y 11) ( y 4) = 0 60 60
11 = 10 2 = 8% increasing
y= ,4 Again, according to IIIrd statement
So, present population
2 Time = Original 45 min 2
= 144000 1 +
Hence, relation between x and y cannot 8
(as he reaches 45 min earlier)
be determined 100
= x

45
7. (b) I. x 4 = 256 x = 4 256 = 4 27 27
60 60 = 144000 = 167961
II. y = 729
3
y = 3 729 = 9 25 25
6 x 45
So, distance = 60 Hence, all the statements are necessary.
x< y 5 60 60

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Practice Dossier Quantitative Aptitude
13. (b) Here, we have to find total surface 9 x + 244 4 x = 36 9 To maintain this deficit, percentage
area 5 x = 36 9 244 increase in market borrowing,
80 1791
So, total surface of a cone 5 x = 80 x = = 16 km = 100
= Area of the base 5 29952
+ lateral surface area 16. (a) Let the speed of the boat in still water = 5.97 ~
6%
= r 2 + rl = r ( r + l ) = x km/h 22. (c) Here, commission given to the
and, the speed of the stream = y km/h outsourced agency
Here, from second statements,
44 Speed in downstream = ( x + y) km/h = 10% of total toll
r 2 = 10
2 Speed in upstream = ( x y) km/h = 4910 = ` 491 crore
44 7 100
r =
2
= 14 Now, boat takes half time in moving
22 So, collection = 4910 + 491
a certain distance downstream than
r = 14 upstream = ` 5401 crore.
So, only statements II and III are Hence, ( x + y) = 2 ( x y) 23. (c) Total sources of funds
required to furnish the answer. x + y = 2x 2y = ` 57600 crore
3y = x x : y = 3 : 1 29952
14. (d) Here, we have, Central angle = 360
P = ` 10000 57600
17. (c) Let the average of 12th person = x
T = 3 yr = 187.2
Total weight = 12 x
Again, according to IInd statement 24. (b) Here, funds to be arranged through
3
Total weight of 11 persons Toll = ` 4910 crore
2 P = P 1 +
r = 11 95 = 1045 kg
Funds to be arranged through Market
100 12 x 1045 = x + 33
So, Borrowing is = ` 29952 crore
3
12 x x = 1078
2 = 1 +
r Ratio = 4910 : 29952
(i)
100 11x = 1078 = 2455 : 14976
1078
And according to IIIrd statement x= = 98 kg 16 : 100 1 : 6
4 11
3P = P 1 +
r 25. (e) Here, Total number of students in
Weight of the 12th person
100 graduate in institute R
= 98 + 33 = 131 kg 17
4
= 27300
3 = 1 +
r
(ii) 18. (b) Average weight of six members 100
100
= 3 .95 = 4641 students
By solving Eqs. I and II, we can find the
Total weight = 3.95 6 = 2370
. Total number of students in post
value of r and hence, we can find the
Average weight of two of them graduate in institute R
value of amount.
12
3 = 2 3.4 = 6.8 = 24700
1 + r = 2 100
So,
100 While average weight of the other two
= 2964 students
4 = 2 3.85 = 7.70
1 + r =3
Total number of students
and Total weight of four persons
100 = 4641 + 2964
3 = 6.8 + 7.70 = 14.50 = 7605 students
1 + r 1 + r = 3
Remaining weight
100 100 26. (d) Here, Number of students studying
= 23 .70 14 . 50 = 9 .20 in post graduate from institute S
2 1 +
r r 3
= 3 1 + = 9 .20 21
100 100 2 So, Average = = 4.6 = 24700
r 3 2 100
= 1 Number of students studying in
100 2 19. (b) Let, money invest by A, B and C be
3 x, 5 x and 5 x respectively graduate from institute S
(3 2 ) 1
r= 100 = 100 = 50 14
2 2 Ratio of profit of A, B and C = 27300
3 = 3 x 12 : 5 x 12 : 5 x 6 100
Hence, A = P 1 +
r
= 36 x : 60 x : 30 x Ratio = 247 21 : 273 14
100
= 6 : 10 : 5 = 19 : 14
3
= 10000 1 +
50 27. (d) Number of students studying at post
20. (b) Total sources of funds
100 graduate level from institute S
= 29952 + 11486 + 5252
27 21
= 10000 + 4910 + 6000 = 24700
8 100
= ` 57600 crore
= 1250 27 = ` 33750 Number of students studying at
Here, after seeing the value of pie-charts. graduate level from institute Q
So, all the statements are necessary to
11486 13
furnish the answer. External Assistance = 100 = 27300
57600 100
15. (b) Let the distance travelled on foot is
= 19.94 20% Ratio = 247 21 : 273 13
x km.
Then, distance travelled on bicycle 21. (c) Here, Fund to be arranged as = 19 : 13
external assistance = ` 9695 crore
= 61 x 28. (b) Total percentage of students
x 61 x Deficit in funds = 11486 9695 studying at institute M and S
Now, + =9
4 9 = ` 1791 crore = 17 + 14 = 31%

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Number of students studying at Now, according to the question, 19 5 + (2 )2 = 99
graduate level in institute M and S 2
x + x = 14 99 4 + ( 3)2 = 405
31 3
= 27300 405 3 + ( 4)2 = 1231
100 5x
= 14
= 8463 students 3 1231 2 + ( 5)2 = 2487
29. (b) Here, Amount invested by P = 8 x 3 14
x= = ` 8.4 (a) (b) (c) (d) (e)
Amount invested by Q = 9 x 5 3 19 99 405 1231 2487
Rate of interest for P = 6.5 % So, Price of 5 mirrors Hence, number 99 will come in place
2 x 5 2 8.4 of (b).
and Rate of interest for Q = 8% =5 = = ` 28
8 x 6.5 1 3 3
and Paid interest = [for P] 38. (b) As, 7 13 31 97 391 1957
100 34. (b) Let, the present ages of Atul and Here, 7 1 + 6 = 13
9x 8 1 Babloo are x and ( 48 x ) years
Paid interest = [for Q] 13 2 + 5 = 31
100 respectively.
31 3 + 4 = 97
8 x 6.5 1 9 x 8 1 After 6 years. Atuls age = ( x + 6) years
Ratio = : 97 4 + 3 = 391
100 100 and Babloos age
391 5 + 2 = 1957
= 52 : 72 = 13 : 18 = [( 48 x ) + 6] years
Same as, 13 1 + 6 = 19
30. (b) In 2004, amount invested in companyQ = ( 54 x ) years
19 2 + 5 = 43
According to the question,
= ` 5 lakh 43 3 + 4 = 133
x+ 6 13
Rate of interest = 6.5% = 133 4 + 3 = 535
54 x 17
Interest paid in 1 year 535 5 + 2 = 2677
6.5 17 x + 102 = 702 13 x
= 500000 (a) (b) (c) (d) (e)
100 17 x + 13 x = 702 102
13 19 43 133 535 2677
= 32.5 1000 = ` 32500 30 x = 600
Hence, number 535 will come in place
Total amount = ` ( 500000 + 32500) x = 20
of (d).
= ` 532500 So, the difference of ages
Amount in 2005 = ` 532500 = ( 48 x ) x
39. (b) As, 8 7 12 33 128 635
Rate of interest in company P = 9% Here, 8 1 1= 7
= 48 2 x = 48 2 20
9 7 2 2 = 12
Paid interest = 532500 = ` 47925 = 48 40 = 8 years
100 12 3 3 = 33
35. (a) As,
Total amount paid = 532500 + 47925 33 4 4 = 128
1 1 3 3 5 5

= ` 580425 2 2 11 2 2 22 2 2 128 5 5 = 635
31. (b) Let, Ramu, Shyamu and Babu get Same as, 6 1 1= 5
11 5 4 4.5 7 15
` 9 x, ` 7 x and ` 4 x respectively. 52 2 = 8
According to the question, Same as, 8 3 3 = 21
7 x + 4 x = 9 x + 2400 (a) (b) (c) (d) (e) 21 4 4 = 80
11x 9 x = 2400 15 7 6 7.5 13 30 80 5 5 = 395
2 x = 2400 1 1 11 3 3 22 5 5
(a) (b) (c) (d) (e)

x = 1200 2 2 2 2 2 2 6 5 8 21 80 395
Shyamus part = 7 1200 = ` 8400 Hence, number 6 will come in place Hence, number 21 will come in place
of (b). of (c).
32. (a) Let, marked price of calculator = ` x
36. (e) As, 40. (d) As, 15 14 20 33 68 215
CP of calculator = x 1
30
2 3 4 5 6 15 1 (1)3 = 14
100 Here,
7x 9 18 54 216 1080 6480 14 2 (2 )3 = 20
=`
10 Same as, 20 3 ( 3)3 = 33
7x 15
and SP of calculator = 1 + (a) (b) (c) (d) (e) 33 4 ( 4)3 = 68
10 100 7 14 42 168 840 5040
7 x 115 161x 68 5 ( 5)3 = 215
= =`
10 100 200 2 3 4 5 6 Same as, 21 1 (1)3 = 20
Q CP > SP Hence, number 168 will come in place
20 2 (2 )3 = 32
of (c).
Loss will be occurred
32 3 ( 3)3 = 69
So, loss percentage 37. (d) As, 5 6 + (1)2 = 31
69 4 ( 4)3 = 212
x
161x 31 5 + (2 )2 = 159
= 200 100% 212 5 ( 5)3 = 935
159 4 + ( 3)3 = 645
x (a) (b) (c) (d) (e)
39 x 39 645 3 + ( 4)4 = 1951
= 100% = % = 19.5% 21 20 32 69 212 935
200 x 2 1951 2 + ( 5)2 = 3927
Hence, number 69 will come in place
33. (c) Let, the price of hankerchief = ` x Same as, of (c).
2x 3 6 + (1)2 = 19
The price of mirror = ` .
3

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 Practice Dossier
40 B o o st e
Reasoning Ability
rs
Directions (Q.Nos. 1-5) In the following questions,
relationship between different elements is shown in the
statements. The statements are followed by conclusions.
Study the conclusion based on the given statements and
select the appropriate answer.
Give answer
a. if only conclusion II is true
b. if only conclusion I is true
c. if both conclusiono are true
d. if either conclusion I or II is true
e. if neither conclusion I nor II is true.
1. Statements S L I = P E > R; L > Q
Conclusions I. P S II. I > R
2. Statements G > R E = A T S; D A J
Conclusions I. T D II. R > S
3. Statements A B > C D E < F
Conclusions I. A E II. C < F
4. Statements G > R E = A T S; D A J
Conclusions I. J > G II. J = G
5. Statements S L I = P E > R; L > Q
Conclusions I. L < R II. E Q
Directions (Q.Nos. 6-10) In each question below, two
statements followed by two conclusions numbered I and II
have been given. You have to take the 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
a. if either conclusion I or II is true
b. if both conclusions are true
c. if neither conclusion I nor II is true
d. if only conclusion II is true
e. if only conclusion I is true
6. Statements Some plugs are tablets. No tablet is a door.
Conclusions I. Some plugs are definitely not doors.
II. All doors are plugs.
7. Statements All flowers are thorns.
Some flowers are leaves.
Conclusions I. No leaf is a thorn.
II. Some thorns are leaves.
112 Bankin Guru November 2017
8. Statements No dog is a cat. All cats are mats.
Conclusions I. Some dogs are mats.
II. All dogs can never be mats.
9. Statements All balls are pencils. All keys are balls.
Conclusions I. At least some pencils are keys.
II. All pencils are balls.
10. Statements Some candles are matches.
Some matches are rockets.
Conclusions I. At least some rockets are candles.
II. No rocket is a candle.
Directions (Q.Nos. 11-13) Each of the question below
consists of a question and three statements numbered
I, II and III. You have to decide whether the data
provided in the statements are sufficient to answer the
questions. Read all the three statements and
Give answer
a. if the statements II and III are sufficient to answer the
question but statement I alone is not sufficient to answer
the question
b. if all the statements taken together are not sufficient to
answer the question
c. if the statement I and II is sufficient to answer the
question but statement III is not sufficient to answer the
question
d. if all the statements are sufficient enough to answer the
question
e. if statement I and III are sufficient to answer the question
but statement II alone is not sufficient to answer the
question.
11. Which of the following represents come in a code
langauges?
I. pit na ja od means you may come here
II. ja ta ter means come and go
III. od na pit ter means you may go home
12. How many sons does D has?
I. B and F are brothers of A.
II. C is the sister of A and F.
III. C and E are daughters of D.
13. Who amongst P, Q, R, S and T is in the middle while
standing in a line.
I. Q is to the right of T.
II. S is between P and T.
III. Q is between T and R.
 Reasoning Ability Practice Dossier

Directions (Q.Nos. 14-16) Read the following Step VIII zebra risen house casio 26 49 56 78
information and answer the given questions. Step VIII is the last step of the given arrangement as
Q is the brother of P. K is the mother of P. Q is married the intended output of the arrangement is obtained.
to C. C is the daughter-in-law of L. P is the mother of N. As per the rules followed in the given steps find the
N is the sister of V. appropriate steps for the given input.
Input 36 15 queen grams tiger 84 yatch 67
14. How is K related to C?
a. Sister b. Daughter-in-law 21. What is the fourth element to the left of the seventh
c. Mother d. Daughter element from the left end in step VI of the given
e. Mother-in-law arrangement?
a. queen b. 67 c. grams d. yatch e. 15
15. How is L related to N?
a. Grandfather b. Uncle c. Grandson 22. In which of the following steps of the given
d. Son e. Son-in-law arrangements is 36 queen tiger found consecutively in
the same order?
16. If N has only one brother as sibling, how is V related to
a. Step IV b. Step VI
Q? c. Step II d. Both steps VII and VI
a. Father b. Nephew c. Uncle e. Both steps II and V
d. Son e. Brother

Directions (Q.Nos. 17-18) Study the given information 23. How many elements are there between gram and 15 in
carefully to answer the given questions. step VII?
S is 10 m South of T. T is 6 m West of U. U is 15 m a. One b. Three c. None
North of V. W is 6 m East of V. X is 5 m North of W. d. More than three e. Two

17. In what direction is X with respect to T? 24. How many elements are three between queen and 67
a. North-East b. South-West c. South in step V?
d. South-East e. East a. Two b. Three c. One
d. More than three e. None
18. If V is 16 m West of V and Z is 5 m North of Y, then
what is the distance between Z and S? 25. In step I, grams is related to 15 following a certain
a. 3 m b. 20 m c. 15 m d. 10 m e. 6 m pattern. Following the same pattern, 84 is related to 67
in step IV. In step VIII, to which of the following is
19. If the word FRACTION, first all the consonants are queen related to following the same pattern?
arranged in alphabetical order from left to right and a. 36 b. 15 c. yatch d. 84 e. 67
then all the vowels are arranged in alphabetical order
from left to right, which of the following is the fifth 26. Five movies D, E, F, G and H are released on five
letter from the right? different days of the same week starting from Monday
a. F b. N c. T d. R e. A and ending on Friday but not necessarily in the same
order. F is released on one of the days before Thursday.
20. If all the digits of the number 6379452 are arranged in Only two movies are released between F and G. H is
ascending order from left to right, what will be the sum released immediately before G. D is released on one of
of the fourth digit from the left and second digit from the days after H. Which movie was released on
the right after rearrangement? Wednesday?
a. 10 b. 12 c. 15 d. 13 e. 11 a. E b. Either G or D c. G
d. H e. D
Directions (Q.Nos. 21-25) Study the following
information carefully and answer the given questions. 27. In the number 76534218, each digit is replaced by the
When a word and number arrangement machine is next digit i.e., 1 is replaced by 2, 2 is replaced by 3
given an input line of words and numbers, it arranges and so on and then the digits are arranged in ascending
them following a particular rule. The following is an order from left to right, which digit will fifth from the left
illustration of input and rearrangement.
and ?
(All the numbers are two-digit numbers)
a. None b. 7 c. 6 d. 5 e. 4
Input 49 78 risen zebra 56 casio 26 house
Step I casio 49 78 risen zebra 56 26 house 28. In a certain code language, job requires expertise is
Step II casio 49 78 risen zebra 56 house 26 written as la nu si. expertise in area is written as li bo
Step III house casio 78 risen zebra 56 house 26 49 la and requires are a inspection is written as si dm bo.
Step IV house casio 49 78 risen zebra 56 26 How is inspection written in that code language ? (All
Step V risen house casio 78 zebra 56 26 49 the given codes are two letter codes only).
Step VI risen house casio 78 zebra 26 49 56 a. si b. either nu or su c. eiher bo or si
Step VII zebra risen house casio 78 26 49 56 d. dm e. bo

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Practice Dossier Reasoning Ability

29. How many such pairs of letters are there in the word 35. How many people sit between U and V when counted
BORINGLY each of which has as many letters between from the left of V?
them in the word in both directions (forward and a. One b. Three c. More than three
backward) as in the english alphabetical series? d. None e. Two
a. More than three b. None
c. Three d. Two Directions (Q. Nos. 36-40) Study the following
e. One information to answer the given qeustions.
Eight friends A, B, C, D, E, F, G and H are seated in a
30. The following series is based on the english alphabets straight line with equal distance between each other,
and numbers which of the following will come in place but not necessarily in the same order. Some of them are
of the question mark in the given series? facing North while some of them are facing South. C sits
fourth to the left of B. B faces North. G sits fourth to the
XW2, TS6, PO10, LK14, ?
a. HG18 b. JI18 c. HG16 right of D. H sits third to the left of C. Immediate
neighbours of H face the opposite directions (i.e., if one
d. IH18 e. JG12
neighbour faces the North, then the other faces South
Directions (Q.Nos. 31-35) Study the following and vice-versa).
information to answer the given questions. A sits to the immediate left of D. F sits second to the
Eight people R, S, T, U V, W, X and Y are sitting around right of E and face the opposite direction to that of E. E
a square table (but not necessarily in the same order), in does not sit at an extreme end of the line. Immediate
such a way that four of them sit at four corners while neighbours of E face the same direction (i.e., if one
four sit in the middle of each of the four sides. The ones neighbour face the North, then the other also faces the
sitting in the middle of the sides are facing outside (i.e., North and vice-versa).
opposite to the centre) and the ones sitting in the Persons sitting at the extreme ends faces the same
corners are facing the centre. direction (i.e., if one person faces North, then the other
T sits in middle of one of the sides. Only two persons sits also faces North and vice-versa.)
between T and Y. V sits second to the left of X. X faces H faces a direction opposite to that F (i.e., if F faces
same direction as Y (i.e., if Y faces the centre then X also North, then H faces South and vice-versa).
faces the centre and vice-versa). Only three persons sit
between X and U. R is an immediate neighbour of U, but 36. How many persons sit between B and A?
not Y. Only one person sits between R and S. a. One b. More than three c. Three
d. None e. Two
31. Four of the following five are alike in a certain way based
on the given arrangement and hence form a group. Which 37. Which of the following reperesented the persons sitting
one of the following does not belong to that group? at the extreme ends of the line?
a. U b. R c. Y a. F, G b. A, F c. C, F d. A, C e. A, B
d. V e. X
38. What is the position of H with respect to E?
32. What is the position of S with respect to R? a. Immediate left b. Second to the left
a. Second to the right b. Fourth to the right c. Immediate right d. Third to the right
c. Third to the left d. Third to the right e. Second to the left
e. Second to the left
39. Four of the given five are alike in a certain way based on
33. Who sits exactly between T and Y when counted from the given arrangement and hence form a group. Which
the left of T? of them does not belong to that group?
a. R, S b. V, W c. W, X a. F b. D c. C
d. R, V e. U, V d. A e. Other than those given as options

34. Which of the following is true regarding W as per the
given arrangement?
a. W sits at one of the corners of the table.
b. W sits second to the left of S.
c. W is an immediate neighbour of both V and T.
d. None of the given options is true.
e. Only three people sit between W and Y.
40. Which of the following is true with respect to the given
arrangement?
a. Only two people sit between G and E.
b. D sits second to the left of C.
c. D and E face the same direction.
d. H is an immediate neighbour of A.
e. None of the given statements is true.

114 Bankin Guru November 2017

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Hints & Solutions

1. (c) Statements S L I = P E > R; L > Q 12. (d) From statement I,
Conclusions I. P S (True) II. I > R (True) Here, It is clear that B and F are brother of A. So, B and F
Hence, both conclusions I and II are true. are sons of D whereas the gender of A is not clear.
From statement II and III,
2. (b) Statements G > R E = A T < S; D A < J
It is clear that gender of A is male.
Conclusions I. T D (True) II. R > S (False)
Hence, A is also son of D.
Hence, only conclusion I is true.
So, D have three sons, A, B and F.
3. (a) Statements A B> C D E< F
Hence, all the three statements are sufficient to answer the
Conclusions I. A E (False) II. C < F (True) question.
Hence, only conclusion II is true.
13. (d) From statement I, II and III,
4. (e) Statements G > R E = A T S; D A J PSTQR
Conclusions I. J > G (False) II. J = G (False) It is clear from above that T is in the middle while standing in
Hence, neither conclusion I nor II is true. the line.
5. (e) Statements S L I = P E > R; L > Q Hence, all the three statements are sufficient to answer the
Conclusions I. L < R (False) II. E Q (False) question.
Hence, neither conclusion I nor II is true. Solutions (Q. Nos. 14-16) From given information, relation diagram
is as below
6. (c) By statements,
Couple
+
L K
Plug Tablet Door

w
-la
-in
er
Hence, neither conclusion I nor II is true. ht Son Mother
ug
Da

7. (c) By statements,
+
C Q P N V
Couple Brother Mother Sister

Flower Leaf 14. (e) K is Cs husbands mother. Hence, K is the mother-in-law

of C.
Thorn
15. (a) L is Ns mothers father. Hence, L is the maternal
Hence, neither conclusion I nor II is true. grandfather of N.
8. (d) By statements, 16. (b) N has only one brother as sibling it means that V is the
brother of N. Hence, V is the nephew of Q.
Cat Dog Solutions (Q. Nos. 17-18) From given information, direction diagram
is as below
Mat T 6m U
Hence, only conclusion II is true.
9. (e) By statements,

Z 15 m
S
Key
5m 5m
Ball
Y 16 m V 6m W
Pencil
Hence, only conclusion I is true. 17. (d)
10. (a) By statements, 18. (d) Distance between ZS = Distance between YV Distance
between TU = 16 6 = 10 m
Candle Match Rocket 19. (d) According to the question, arrangement is as follows
CFNRTAIO
Hence, either conclusion I or II is true.
Right
11. (c) From statement I, II and III, 5th

you may come here pit na ja od ...( i ) Then, fifth letter from right = R
20. (b) When the digits of the number 6379472 arranged in
come and go ja ta ter ...(ii)
ascending order, then rearrangement will be
you may go home od na pit ter ...(iii) 2345679
Now, fourth digit from the left = 5
From Eqs. (i) and (ii), we have, come ja
and second digit from the right = 7
Hence, it is clear that only statement I and II are sufficient to
answer the question. Sum of fourth and second digit = 5 + 7 = 12

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Practice Dossier Reasoning Ability
Solutions (Q.Nos. 21-25) According to the given information. 28. (d) Here,
Input 36 15 queen grams tiger 84 yatch 67 Job requires expertise la nu si ...(i )
Step I grams 36 15 queen tiger 84 yatch 67 expertise in area li bo la ...(ii)
Step II grams 36 queen tiger 84 yatch 67 15
requires area inspection si dm bo ...(iii)
Step III queen grams 36 tiger 84 yatch 67 15
Step IV queen grams tiger 84 yatch 67 15 36 From Eqs. (iii), inspection dm
Step V tiger queen grams 84 yatch 67 15 36 29. (a)
Step VI tiger queen grams 84 yatch 15 36 67
B O R I N G L Y
Step VII yatch tiger queen grams 84 15 36 67
Step VIII yatch tiger queen grams 15 36 67 84
21. (c) Seventh element from the left is 36 and fourth element to So, there are four such pairs viz BG, LN, IL and GI.
the left of 36 is grams. 30. (a) X T P L H
4 4 4 4
22. (c) In step II 36 queen tiger found consecutively in the same W S O K G
order. 4 4 4 4
2 6 10 14 18
23. (a) Only one element i.e., 84 is between gram and 15 in +4 +4 +4 +4
step VII.
Solutions (Q. Nos. 31-35) According to the given information, the
24. (b) Three element i.e., grams, 84 and yatch are between sitting arrangement is as follows
queen and 67 in step V. S
U Y
25. (b) queen is related to 15.
26. (d) From given information,
R W
Movie Day
F Monday
V X
E Tuesday T
H Wednesday
31. (b) Except R all others are sitting at the corners of the table
G Thursday and facing the centre, but R is sitting in the middle of the side
D Friday and facing outside.
Hence, it is clear from table that movie H is released on 32. (a) 33. (c) 34. (d) 35. (a)
Wednesday. Solutions (Q. Nos. 36-40) According to the given information
27. (c) Original number - 7 6 5 3 4 2 1 8 the sitting arrangement is as follows,
Step I arrangement - 8 7 6 4 5 3 2 9 N
Step II arrangement - 2 3 4 5 6 7 8 9 A D F C E G H B
W E
From left
S
5th
36. (b) 37. (e) 38. (e) 39. (c) 40. (e)
Hence, Required digit = 6

116 Bankin Guru November 2017

 Practice Dossier
40 B o o st e
English Language
rs
Directions (Q.Nos. 1-10) Read the following passage
carefully and answer the questions given below it.
Certain words/phrases have been given in bold to help
you locate them while answering some of the questions.
From a technical and economic perspective, many
assessments have highlighted the presence of
cost-effective opportunities to reduce energy use in
buildings. However, several bodies note the significance
of multiple barriers that prevent the take-up of energy
efficiency measures in buildings.
These include lack of awareness and concern, limited
access to reliable information from trusted sources, fears
about risk, disruption and other transaction costs,
concerns about up-front costs and inadequate access to
suitably priced finance, a lack of confidence in suppliers
and technologies and the presence of split incentives
between landlords and tenants.
The widespread presence of these barriers led experts to
predict that without a concreted push from policy,
two-thirds of the economically viable potential to improve
energy efficiency will remain unexploited by 2035.
These barriers, are albatross around the neck that
represent a classic market failure and a basis for
governmental intervention.
While these measurements focus on the technical,
financial or economic barriers preventing the take-up of
energy efficiency options in buildings, others emphasise
the significance of the often deeply embedded social
practices that shape energy use in buildings. These
analyses focus not on the preferences and rationalities
that might shape individual behaviours, but on the
entangled cultural practices, norms, values and routines
that underpin domestic energy use.
Focusing on the practice-related aspects of consumption
generates very different conceptual framings and policy
prescriptions than those that emerge from more
traditional or mainstream perspectives. But the
underlying case for government intervention to help to
promote retrofit and the diffusion of more energy
efficient particles is still apparent, even though the forms
of intervention advocated are often very different to those
that emerge from a more technical or economic
perspective.
Based on the recognition of the multiple barriers to
change and the social, economic and environmental
benefits that could be realised if they were overcome,
government support for retrofit (renovating existing
infrastructure to make it more energy efficient) has
been widespread. Retrofit programmes have been
supported and adopted in diverse forms in many
settings and their ability to recruit householders and
then to impact their energy use has been discussed
quite extensively.
Frequently, these discussions have criticised the extent
to which retrofit schemes rely on incentives and the
provision of new technologies to change behaviour
whilst ignoring the many other factors that might limit
either participation in the schemes or their impact on
the behaviours and practices that shape domestic
energy use. These factors are obviously central to the
success of retrofit schemes, but evaluations of different
schemes have found that despite these they still have
significant impacts.
New experts suggest that the best estimate of the gap
between the technical potential and the actual in-situ
performance of energy efficiency measures is 50% with
35% coming from performance gaps and 15% coming
from 'comfort taking' or direct rebound effects.
They further suggest that the direct rebound effect of
energy efficiency measures related to household heating
is likely to be less than 30% while rebound effects for
various domestic energy efficiency measures vary from
5 to 15% and arise mostly from indirect rebound effects
(i.e, where savings from energy efficiency lead to
increased demand for other goods and service).
Other analyses also note that the gap between technical
potential and actual performance is likely to vary by
measure, with the range extending from 0% for
measures, such as solar water heating to 50% for
measures, such as improved heating controls.
And others note that levels of comfort taking are likely
to vary according to the levels of consumption and fuel
poverty in the sample of homes where insulation is
installed, with the range extending from 30% when
considering homes across all income groups to around
60% when considering only lower income homes, the
scale of these gaps is significant because it materially
affects the impacts of retrofit schemes and expectations
and perceptions of these impacts go on to influence
levels of political, financial and public support for these
schemes.
The literature on retrofit highlights the presence of
multiple barriers to change and the need for
government support, if these are to be overcome.
Bankin Guru November 2017 117
 English Language Practice Dossier

Although much has been written on the extent to which

different forms of support enable the wider take-up of
8. What is the author trying to convey through the phrase
'albatross around the neck' as used in the passage?
domestic energy efficiency measures, behaviours and
practices, various areas of contestation remain and a. As light as a bird
there is still an absence of robust ex-post evidence on b. Prevent from achieving success
the extent to which these schemes actually do lead to c. Are worthless
the social, economic and environmental benefits that d. Act as controllers
are widely claimed. e. Always provide adequate guidance

1. Which of the following is most nearly the opposite in 9. The author in the given passage is
meaning to the world 'Concreted' as used in the A. of the view that no amount of efforts can bring about
passage? changes in employing energy efficiency schemes in his
a. Collaborative b. Piled c. Subtracting country.
d. Necessary e. Weak B. positive that more evidence on retrofit schemes is
essential to make people more aware and sensitive
2. Whichof the following is most nearly the opposite in towards them.
meaning to the word 'Robust' as used in the passage? C. cynical about the present state of energy efficiency
a. Manual b. Loose c. Vogue measures taken in his country.
d. Filmsy e. Flexible Code
a. Only A b. Only B c. Only C
3. Which of the following is most nearly same in meaning d. A and B e. B and C
to the word Unexploited as used in the passage?
a. Untapped b. Unanswered c. Explored 10. As mentioned in this passage and according to the
c. Developed d. Vacant experts, in order to exploit existing potential to better
energy efficiency measures
4. The title for the given passage could be a. availability of sufficient funding is a must
a. How to Measure the Impact of Retrofit Programmes of b. availability of reliable information from dependable source
Energy Conservation must be ensured
b. Barriers to Effective Usage of Energy c. adequate and trustworthy suppliers of energy must be
c. Views of Stalwarts on Disadvantages of Retrofit made available
Programmes d. governmental support by implementing adequate policies
d. Existing Practices of Conserving Energy is essential
e. How Much Energy is to be Consumed e. All of the above

5. According to the author, to make programmes tor Directions (Q.Nos. 11-15) Which of the phrase given
conserving energy more successful below the sentence should replace the word/phrase
A. only latest technology must be employed. underlined in the sentence to make it grammatically
B. the author's country must adhere to norms followed correct? If the sentence is correct as it is given and no
in countries where such programmes have been correction is required, select No correction required as
successful. the answer.
C. change must be brought in the attitudes of people 11. Being as I am a realist, I could not accept his statement
with respect to efficient usage of energy that super natural beings have caused the disturbance.
Code
a. Only A b. Only B c. Only C a. That I am a realist b. Being a realist
d. A and B e. B and C c. Being that I am a realist d. Realist that I am
e. No correction required
6. Which of the following is most nearly the same in
meaning to the word Underpin as used in the passage? 12. When the boy regain consciousness, he wanted to eat
something.
a. Undermine b. Determine c. Criticise
d. Abandon e. Dispose a. If the boy regain b. When the boy regained
c. Despite the boy regain d. On the boy regaining
7. Which of the following is true in context of the e. No correction required
passage?
a. Employing retrofit programmes is relatively a new concept
13. The social worker wanted to bring about little changes in
and is yet to become popular. the lives of the people of that village.
b. The government so far has been least supportive of a. to bring back b. to bring up c. to bring forth
retrofit programmes. d. bringing about e. No correction required
c. Lack of trust on landlords has been clted as one of the
major barriers to employing energy efficiency schemes. 14. Raghunath proposes to lay claim for the insurance
d. Retrofit schemes are dependent on incentives to bring company as soon as he recovers from the accident.
about attitudinal change towards energy efficiency a. lay claim to b. lay claim on
schemes. c. laying claim towards d. lay claim against
e. All of the above e. No correction required

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15. The new concession announced by the government will 21. Which of the following should be the FOURTH sentence
have only a marginalised effect on the lives of the after rearrangement?
people. a. A b. B c. C d. E e. D
a. marginal effect off b. margin of effect on
c. marginal effect on d. marginalising effect in 22. Which of the following should be the THIRD sentence
e. No correction required after rearrangement?
a. A b. B c. F d. D e. E
Directions (Q.Nos. 16-20) The following questions have
two blanks, each blank indicating that something has 23. Which of the following should be the SECOND sentence
been omitted. Choose the set of words for each blank after rearrangement?
that best fits the meaning of the sentence as a whole. a. A b. B c. C d. D e. F

16. Three unknown assailants ............ on motorcycles and 24. Which of the following should be the FIRST sentence
opened ............ barely a few metres from where the after rearrangement?
actor was shooting. a. A b. B c. C d. D e. E
a. came; shooting b. rode; rounds
c. arrived; fire d. approached; hitting
25. Which of the following should be the LAST (SIXTH)
e. climbed; shots
sentence after rearrangement?
a. A b. F c. D d. C e. B
17. The police ............ in ............ a car theft case within a
matter of two hours of registration of the complaint. Directions (Q.Nos. 26-30) Read these sentences to find
a. achieved; solving b. victorious; catching out whether there is any grammatical error in them.
c. famed; arresting d. succeeded; cracking The error, if any, will be in one part of the sentence.
e. failed; assigning Mark the part with the error as your answer. If there is
no error, mark No error as your answer. (Ignore the
18. The Health Ministry has approved major expansion of errors of punctuation, if any).
post-graduate seats in key departments of AIIMS to
26. The director explained (a)/the theme and (b)/ the
.......... the severe .......... of specialists across the country.
concept of (c)/ the international folk festival. (d) No
a. address; dearth b. correct; loss error (e)
c. improve; damage d. rectify; limits
e. good; shortage 27. The fight among (a)/ rival candidates between the
medium (b)/ of catchy slogans (c)/ has started. (d) No
19. With the ............. wedding season, people are leaving no
error (e)
stone unturned to make their wedding cards ............. .
a. prolonged; beyond b. ongoing ; special 28. Acting on a tip-off (a)/ the anti-robbery squad led (b)/
c. instant; great d. sudden; while by inspector laid (c)/ a trap for the robbers. (d) No
e. estimated; legible error (e)
20. The tourism data ............. that Indians are ........... the 29. The process of (a)/ revising figures of damage (b)/ to
biggest spenders while on holidays. get additional compensation (c)/ has began. (d) No
a. says; within b. reveal; amongst error (e)
c. proclaims; between d. states; surrounded
e. speaks; amid 30. Farmers who grow the crop (a)/ are the worse hit, as
the investment (b)/ they make on a crop is (c)/ huge as
Directions (Q.Nos. 21-25) Rearrange the following six compared to the profit. (d) No error (e)
sentences A, B, C, D, E and F is the proper sequence to
form a meaningful paragraph and then answer the given Directions (Q.Nos. 31-40) In the given passage, there
questions. are blanks, each of which has been numbered. These
A. When these millennium development goals were members are printed below the passage and against
first formulated in 1990, 53.5% of all Indian each five words are suggested, one of which fits the
children were malnourished. blank appropriately. Find out the appropriate word in
each case. .
B. This would still be below the target of reducing
malnourishment to 28.6%. Generally a disaster (31) in significant loss in social,
C. India has been moderately successful in reducing psychological and economics aspects. It not only (32) to
poverty. structural damages, but also leaves families torn apart,
D. Since then, progress has been slow. children orphaned, livelihoods destroyed and
communities traumatised. Non-structural factors, such
E. Today, it is estimated that malnourishment could
as lack of responsiveness of government officials and
decline to 40% by the end of 2015.
ineffective leadership are mainly (33) for any disaster
F. However, eradicating hunger along with mismanagement. India is (34) to a variety of natural
malnourishment still remains a key challenge, and man-made disasters. Strong and effective
according to the millennium development goals. emergency management has been a felt (35) in all
corners of the world.

Bankin Guru November 2017 119

 English Language Practice Dossier

Effective policies play a (36) role in mitigating the

impact of disasters and reducing likely losses of life and
34. a. subjected b. susceptibility c. available
property. Economic resources are important for any d. vulnerable e. centre
disaster management. Yet, it has been (37) that
economic resources did not necessarily translate into
35. a. relation b. abstract c. evolution
d. creation e. need
greater investment in this domain, as there is no (38) of
issues that demand governments attention and 36. a. enormous b. tough c. vital
resources. Disaster management has (39) acquired
d. single e. important
importance in the agenda of governance, unless there is
a major natural or man-made disaster. The major 37. a. recognised b. routed c. placed
shortcomings observed in Indian disaster management
d. collected e. seeing
along with their probable solutions need to be discussed
on an (40) basis. 38. a. much b. amount c. collection
31. a. prepares b. results c. affects d. dearth e. failure
d. entails e. promotes
39. a. seldom b. forever c. great
32. a. causes b. creates c. results d. much e. always
d. imparts e. leads
40. a. important b. understanding
33. a. reasons b. responsible c. accounts c. urgent d. priority
d. amounts e. factors e. upright

Answers & Explanations

1. (e) Concreted means strong. So, its antonym will be weak. 16. (e) Rode, approached and 'climbed' are not suitable for the
first blank. Shooting is not suitable for the second blank.
2. (b) Robust means active/strong. Its antonym will be loose.
Hence, arrived and fire are suitable fillers.
3. (a) Unexploited and untapped are the words with similar
meaning here.
17. (d) The preposition in after the first blank, agrees only to
succeeded and failed. But, the sentence has the context of
4. (b) Title of the passage could be Barriers to Effective Usage of a success. So, (d) is suitable usage.
Energy.
18. (a) Only dearth and shortage are suitable for the second
5. (c) According to the author to make programmes for blank. But good is not proper for the first blank. Hence, (a) is
conserving energy more successful change must be brought the suitable filler.
in the attitudes of people with respect to efficient usage of
energy.
19. (b) In the first blank, ongoing is suitable word. Also, special
suits the second blank. Hence, (b) is appropriate filler.
6. (b) 7. (d)
20. (b) From the given options, only amongst fits the second
8. (b) The author wants to convey by the use of the phrase blank. Hence, (b) is the appropriate choice.
albatross around the neck which prevent from achieving
success. 21. (e) 22. (a) 23. (e) 24. (c) 25. (e)
9. (c) The author in the given passage is positive about retrofit 26. (e) 27. (b) 28. (e)
schemes and cynical about present state of energy efficiency 29. (d) With has we use V3. So, began should be replaced by
measures taken in the country. begun.
10. (e) 11. (b) 30. (b) The sentence seeks a reason . Therefore, as should make
12. (b) The sentence is in past tense. So, use of V 2 is suitable in way for because.
this case. 31. (b) 32. (e) 33. (b) 34. (a) 35. (e)
13. (e) 14. (a) 15. (c) 36. (c) 37. (a) 38. (d) 39. (a) 40. (c)

Bankin Guru November 2017 120

 Practice Dossier

25 B o o st e rs
Computer Knowledge
1. are specially designed computer chips that reside 8. Different components on the motherboard of a PC unit are
other devices, such as your car or your electronics linked together by sets of parallel electrical conducting
thermostat. lines. What are these lines called?
a. Servers b. Embedded computers a. Conductors b. Buses c. Connectors
c. Robotic computers d. Mainframe d. Consecutive e. None of these
e. None of these
9. Which of the following is the correct option that allows
2. Which among the following is a symbol on the screen users to bring together copies of workbooks that other
that represents a disk, document or program that you users have worked on independently in MS Excel?
can select? a. Copying b. Merging c. Pasting
a. Keys b. Caps c. Icon d. Compiling e. None of these
d. Monitor e. Program
10. Which of the following software majors has entered into a
3. A repair for a known software bug, usually available joint venture with the Saudi Prerogative Company to offer
at no charge on the Internet, is called a(n) IT services in the middle east country?
a. Version b. Patch c. Tutorial a. HCL b. TCS c. Intel d. Wipro e.lnfosys
d. FAQ e. None of these
11. An electronic device, operating under the control of
4. Which among the following refers to the overall instruction that can accept and process the data, produce
structure of the database? output and store the results for future use, is called
a. View b. Conceptual a. Input b. Computer c. Software
c. Schema d. Data independence d. Hardware e. None of these
e. Normalisation
12. Which PowerPoint view displays each slide of the
5. Which component is required to process data into presentation as a thumbnail and is useful for rearranging
information and consists of integrated circuits? slides?
a. Hard disks b. RAM a. Slide Sorter b. Slide Show c. Slide Master
c. CPU d. ROM d. Notes Page e. Slide Design
e. Floppy disks
13. What do we call a network, whose elements may be
6. The DBMS ensures data integrity by managing separated by some distance? It usually involves two or more
transactions through ACID test. What does ACID network and dedicated high speed telephone lines.
stands for in computer science? a. LAN b. WAN c. URL
a. Artistic, Collaborative, Inference, Durability d. PAN e. None of these
b. Analytic, Consistency, Inference, Duration
c. Atomicity, Consistency, Isolation, Durability 14. In Microsoft PowerPoint, two kinds of sound effects files
d. Atomicity, Collaborative, Inference, Duration that can be added to the presentation are
e. Adherence, Consistency, Isolation, Durability a. .wav files and .mid files b. wav files and .gif files
c. wav files and .jpg files d. jpg files and .gif files
7. In the following URL : e. None of these
http://www.example.com:80/path/to/myfile.html
Here 'www.example.com, :80 and stand for .......... 15. Which of the following technology firms launched a new
and .......... respectively. premium smart phone named Pixel, which will rival with
a. IP and Source b. Domain name and Port the likes of Apple and Samsung?
c. File name and Path d. Path and Port a. Microsoft b. Google c. Nokia
e. IP and Locator d. Xiaomi e. Huawei

Bankin Guru November 2017 121

Practice Dossier Computer Knowledge
c. Atomicity, Consistency, Isolation, Durability
16. Before the Arithmetic Logic Unit (ALU) of a computer
d. Atomicity, Collaborative, Inference Duration
can perform arithmetic and logic operations, it must
e. Adherence, Consistency, Isolation, Durability
first transfer the data from primary memory to
a. read only memory b. control unit 22. Which of the following is not true about Hotspot (Wi-Fi)?
c. registers d. secondary memory a. A hotspot is a physical location where people may obtain
e. random access memory Internet access.
b. Security is a serious concern in connection with Hotspots.
17. Which of the following options is used for increasing c. Hotspot 2.0, also known as HS2 and Wi-Fi Certified
and decreasing the speed of the cursor of a mouse? Passpoint.
a. Setting b. Control d. Using an open public network is the easiest way to create
c. Control Panel d. C Drive a free hotspot.
e. My Computer e. All of the above are true.

18. A light sensitive device that converts drawings, printed 23. is designed to communicate instructions to a
text or other images into digital form is called machine, particularly a computer. It can be used to
a. Keyboard b. Plotter c. Scanner create programs to control the behavior of a machine or
d. OMR e. Printer to express algorithms.
a. PROM b. Programming language
19. The thick, rigid metal platters that are capable of storing c. Microcontrollers d. EPROM
retrieving information at a high rate of speed are e. Microprocessor
a. hard disk b. SAN c. soft disk
d. flash memory e. cache memory 24. What function in a table in MS-Excel displays row data
in a column or column data in a row?
20. One or more defects or problems that prevent the a. Transpose b. Index c. Hyperlink
software from working as intended or working at all is a d. Rows e. Columns
a. bug b. bot c. programming
language d. fuzzy logic e. error 25. Adwords is a/an for businesses wanting to
display ads on google and its advertising network.
21. DBMS ensures data integrity by managing transactions a. advertising service by microsoft
through ACID test. What does ACID stands for in b. advanced search engine
computer science? c. advertising service by google
a. Artistic, Collaborative, Inference, Durability d. automatic words search engine by yahoo
b. Analytic, Consistency, Inference, Duration e. advertising service by yahoo

Answers & Explanations

1. (b) An embedded system is designed to perform one or a few
dedicated functions. It is housed on a single microprocessor
board with the programs stored in ROM.
2. (c) An icon is a small graphical representation of a program or
file that, when clicked on, will be run or opened.
3. (b) A patch is a piece of software designed to update a
computer program or its supporting data, to fix or improve it.
4. (c) 5. (c) 6. (c) 7. (b)
16. (c) Registers are low storage capacity, high speed storage
areas within the CPU. The data, instructions addresses and
intermediate results of processing are stored in the registers
by the CPU.
17. (c)
18. (c) Scanners are equipped with a utility program that allows it
to communicate with the computer and scanned image as a
8. (b) graphic file on the computer.

9. (b) Merging allows users to bring together copies of 19. (a) Hard disk drive is the most common and usually largest
workbooks in Excel. data storage device of the computer system.

10. (e) Software major Infosys has entered into a joint venture
with the Saudi Prerogative Company to offer IT services in the
middle eastern country. The Bengaluru-based IT services firm
will own 70% of the joint venture.
11. (b) Computer is an electronic device operating under the
control of instruction that can accept and process the data,
produce output and store the results.
20. (a) A software bug is an error, flow, failure or fault in a
computer program that produces an incorrect or unexpected
result.
21. (c) A transaction in a database system must maintain
Atomicity, Consistency, Isolation, and Durability (commonly
known as ACID properties) in order to ensure accuracy,
completeness, and data integrity.

12. (a) Slide sorter view in PowerPoint or Open Office Impress is a
window that displays thumbnail versions of all your slides,
arranged in horizontal rows. This view is useful to make global
changes to several slides at one time.
13. (a) 14. (a) 15. (b)
22. (e) 23. (b) 24. (a)
25. (c) Google AdWords is an online advertising service that
enables advertisers to compete to display brief advertising
copy to web users, based in part on cookies, keywords,
predefined by the advertisers that might link the copy to the
content of webpages shown to users.

122 Bankin Guru November 2017


ONE L ners
BANKING AWARENESS
l BANKING INNOVATION
n
Recently the Union Cabinet has
approved the establishment of Fund of
Funds for Startups (FFS) at which of the
following bank? SIDBI
n
Which bank became the first private
sector bank in India to open dedicated
branch for start-ups? RBL Bank
n
The first bank to offer RuPay Kisan
Card with Aadhaar authentication is
Oriental Bank of Commerce
n
A fixed amount paid once a year or at
interval of a stipulated period is known as
Annuity
n
The banks are required to maintain a
certain ratio between their cash in hand
and total assets, which is called
Statutory Liquid Ratio.
n
Indias first contactless mobile payment
solution iTap has been launched by
ICICI Bank
n
Andhra Bank launched Immediate
Payment Service (IMPS) across all its
branches in association with the National
Payments Corporation of India (NPCI)
n
Which bank launched skill development
mission initiated by the Centre to train
millions of youths and make India a hub
for skilled workforce? Federal Bank
n
Union government has launched a
seven pronged plancalled Indradhanush
Mission to revamp functioning of
Public Sector Banks
n
Which bank along with SIDBI entered
into a partnership to guarantee 75% of
loans of up to ` 15 crore extended to
energy efficiency projects under the
World Bank initiative? Yes Bank
n
Which state became the first State in
the country to allow issuance of motor
insurance policies in digital form by
launching e-Vahan Bima Scheme?
Telangana
n
Which bank has launched
iWork@home programme for its women
employees? ICICI Bank
n
Max Life and Max Financial Services
agreed to merge with which life insurance
company? HDFC Life
Exam Focus
n
The private sector bank which received
the prestigious Green Bond Pioneer
Award for being the 'Pioneers in Emerging
Markets-India' is YES Bank
n
The subsidiary of Tata Teleservices
which announced its tie-up with Indian
Railway Catering and Tourism
Corporation to provide an additional
payment gateway is mRUPEE
n
Niraj Mittal was appointed as the
Managing Director and Head of
Institutional Banking of DBS Bank India
l ECONOMY
n
The committee that was constituted to
examine the desirability and feasibility of
having a new financial year will be
headed by which former Chief Economic
Adviser Shankar Acharya
success in implementing the
n
The maximum contribution Gross
Domestic Product (GDP) in India by the
various sectors of the economy in last
ten-years is Service-Industry-Agriculture
n
India ranked which position on the
Sustainable development Goal Index of
the United Nation over 149 nations? 110
n
The major contribution towards the
Gross Domestic Saving in India in recent
time is Household Sector
n
According to Census 2011, which State
has lowest rural population? Sikkim
n
Which Indian Union Territory has
highest sex ratio? Puducherry
n
The annual average economic growth
target revised by the Planning
Commission for the 12th Five Year Plan
(2012-17) from the 9% envisaged earlier
to 8.0%
n
Which project of Kerala government will
bring together different schemes in health
sector under one umbrella?
Sampoorna Arogya Keralam
n
The economy of India is the seventh-
largest in the world by Nominal GDP
n
Which was appointed as the head of
one man committee to study issues
related to gramin dak sevaks?
Kamlesh Chandra
Bankin Guru November 2017 123
n
The World Bank in its Global Economic
Prospect report projected a robust growth
for the Indian economy in the 2017 is 7.1%
n
To reduce the premium burden on
farmers and ensure early settlement of
claim for the full sum insured, the Union
Cabinet approved the proposal of
Crop Insurance Scheme
n
From the view of International economy,
What does the third World imply?
The Developing Countries
n
Which initiative has recently been
launched by NITI Aayog?
Women Transforming India
n
The Atal Pension Yojana (APY) is open
to all Indians between the age of
18-40 years
n
Meghalaya became the first State in
North-East India to achieve 100%
Pradhan Mantri Jan Dhan Yojana
l FINANCIAL INSTITUTION
n
Export-Import Bank of India
commenced operations in 1982
n
First Regional Rural Bank came into
existence in October 2, 1975
n
Industrial Credit and Investment
Corporation of India (ICICI) was
established in 1991
n
The first development financial
institution in India that has got merged
with a bank is ICICI Bank
n
In 1960, the first State Industrial
Development Corporations (SIDC) was
established in Bihar
n
All India Financial Institutions (AIFI) is a
group composed of Development
Finance Institutions (DFI) and Investment
Institutions that play a pivotal role in the
Financial Markets
n
Industrial Finance Corporation of India
is government-owned development bank
to cater to the long-term finance needs of
the Industrial Sector
National Housing Bank (NHB), a wholly
n
owned subsidiary of Reserve Bank of
India (RBI), was set-up on July 9, 1988
n
The SIDBI is headquartered in Lucknow l STOCK MARKET n
Bank for International Settlements which
n
In the States of India, the State provides the Banking supervision accords
n
Financial market is that market where is located located in Switzerland
Financial Corporation have given Financial Transaction Take Place
assistance mainly to develop n
The 37th foreign ministerial meeting of
Medium and Small-Scale Industries
n
Lowest risk category investment option
the South Asian Association for Regional
is Certificate of Deposit Issued by
n
Industrial Development Bank of India Cooperation (SAARC) countries was held
Bank and Financial Institution
(IDBI) established in 1964 in Pokhara (Nepal)
n
Money Market Mutual Fund scheme
n
National Rural Development Institute is
n
Which Independent investor has
was introduced by RBI
situated at Hyderabad become the first Indian-American to take
n
The government notified the merger of charge as an Alternate Executive Director
n
Industrial Finance Corporation of India commodities market regulator Forward at International Monetary Fund (IMF)?
(IFCI) was established in 1948 Market Commission with SEBI Sunil Sabharwal
n
Export-Import Bank of India is the n
To meet the Cash Reserve Ratio (CRR) n
Christine Lagarde was appointed as the
premier export finance institution in India, and Statutory Liquidity Ratio (SLR) Managing Director of
headquarters at Mumbai requirements as mandated by the Central International Monetary Fund
n
National Housing Bank (NHB), a wholly Bank Banks borrow funds from n
IBRD (International Bank for
owned subsidiary of RBI, was set-up by Call Money Market
Reconstruction and Development) also
an Act of Parliament in 1987 n
In which place, the Mumbai based BSE known as World Bank
n
NHB registers, regulates and is planning to trade currency, metals and
supervises Housing Finance Company energy at its upcoming international l MISCELLANEOUS
commodity exchange called Gift City?
Gandhinagar n
Who is the Asias richest person?
l PUBLIC FINANCE Li Ka-shing
n
A company making a public issue of
n
Development expenditure of the Central securities has to file a draft prospectus
n
Who appointed as Executive Director of
government does not include with SEBI Insolvency and Bankruptcy Board of
Defence Expenditure India? Mamta Suri
n
Foreign Currency Convertible Bonds
n
Who has presented the Union Budget (FCCBs) are also known as Euro Issues n
Who appointed as the Secretary to
of India maximum number of times? Vice-President of India M. Venkaiah
Morarji Desai n
Short term Money lending process is
Naidu? IV Subba Rao
known as Call Money
n
Deficit financing means that the n
Union Cabinet gave its approval to
government borrows money from the RBI
n
Mutual Funds being Public Trusts are
complete which project in Jharkhand and
governed by the Indian Trust Act, 1882
n
Three Trains were launched in the last Bihar? North Koel Reservoir Project
Rail Budget 2016-17 to improve Quality of
n
A legally binding agreement to buy or n
This city was declared as the worlds
Travel, are Humsafar, Tejas and Uday sell the underlying security on a ` future
date is known as Future Contract most liveable city by The Economists
n
Short-term finance is usually for a Global Liveability Report-2017? Melbourne
period ranging up to One Year
n
MCX-SX is a private stock exchange
headquartered in Mumbai
n
A new species of a 100-million-year-old
n
Which one among the following damsely was named in honour of
formulates the fiscal policy in India?
n
Which allows mutual fund investors to Sir David Attenborough
Ministry of Finance make transactions through various
modes of payments has been unveiled by
n
Who selected for the prestigious Global
n
Which is the most important source of the leading Bombay Stock Exchange Agriculture Leadership Award-2017?
income for government of India? K. Chandrasekhar Rao
(BSE)? Paperless SIP
Excise Duty n
The country that is not a part of the
n
Exise duty is imposed on Production of l INTERNATIONAL proposed Asian Trilateral Highway is
an item so it is a Commodity Tax Bhutan
ORGANISATION
n
AML is a term mainly used in the n
Rajnath Singh, the Union Home
n
The International Finance Corporation Minister, on August 21, 2017 launched
financial and legal industries. Expand the
(IFC), the investment arm of the World the Digital Police Portal under
term AML Anti Money Laundering
Bank has launched its first the Crime and Criminal Tracking Network &
n
The Employees Provident Fund Uridashi Masala Bonds (Japanese bonds) Systems
Organisation (EPFO) increased the life n
India signed a financing agreement for
insurance cover of its subscribers from
n
British scientists recently developed the
IDA credit of $ 300 with the World Bank worlds smallest surgical robot named
3.6 lakh to 6 lakh for which State Higher Education Quality Versius
n
Balance sheet shows Improvement Project on March 1, 2016?
Both Assets and Liabilities Madhya Pradesh
n
Who was named as the convenor of the
40-member 'preview committee?
n
Deficit financing implies n
Union Cabinet approved for an Vivek Agnihotri
Public Expenditure in Excess of Public Revenue agreement between India and Maldives n
The noted poet who was recently
n
Who presented the first Union Budget of for the avoidance of double taxation of
appointed as the Chairman of the Punjab
Independent India? RK Shanmukham Chetty income from International Air Transport
Kala Parishad is Surjit Patar
n
The tax levied by the Union government
n
International organisations that on April n
Amchang reserve forest is a part of
on income of individuals is known as 19, 2016 announced creation of platform Assam
Personal Income Tax for collaboration in Tax Matters to boost
global cooperation in tax matters are
n
Vice-President M. Venkaiah Naidu has
n
Which illustrates the financial position of UN, IMF, World Bank and OECD said that India and this country should
a bank at a given point of time? work for increasing trade to the tune of
Balance Sheet n
The headquarters of World Trade
$ 1 billion by March 2018 Uzbekistan
Organisation (WTO) is located in Geneva

124 Bankin Guru November 2017


Knowledge Plus
ECONOMY
& BANKING
Q& A
01 What is a Currency Chest?
To facilitate the distribution of banknotes and rupee coins,
the Reserve Bank of India has authorised select branches
of scheduled banks to establish currency chests. These are
actually storehouses where banknotes and rupee coins are
stocked on behalf of the RBI. As on March 31, 2015, there
were 4132 currency chests. The currency chest branches
are expected to distribute banknotes and rupee coins to
other bank branches in their area of operation.
02 Discuss about the Taxation Laws
(Amendment) Bill, 2016.
The Lok Sabha passed the Taxation Laws (Amendment)
Bill, 2016 on August 10, 2016, that seeks to amend the
Income Tax Act, 1961, and Customs Tariff Act, 1975. The
Bill seeks to amends the Income Tax Act (IT), 1961 and the
Customs Tariff Act, 1975. It will provide income tax benefit
to employers in the textile sector on additional employment
provided the employee has worked for 150 days and not
240 days as mandated earlier.
Amendments to IT Act, 1961
Deduction in respect of employment of new employees
The limit of employing employee for minimum of 240 days
in the previous year to obtain a deduction on taxable
income has been reduced to 150 days for businesses
which manufacture apparel.
Amendments Customs Tariff Act, 1975
Customs duty on marble and granite blocks and slabs
Proposes to increase in customs duty on imports of granite
and marble to 40% from earlier 10%
03 Explain guidelines for On-Tap Bank
Licence.
The RBI released much-awaited guidelines for 'on tap'
universal banking licence on August 1, 2016 , but excluded
large industrial houses as eligible entities from the purview,
though they can invest in banks up to 10 %. As per the
Guidelines for 'on tap' Licensing of Universal Banks in the
Private Sector, the initial minimum paid-up voting equity
capital for a bank should be ` 500 crore and thereafter, the
bank should have a minimum net worth of ` 500 crore at all
times. Some features of the draft norms include
l
a minimum capital of ` 500 crore
l
a 10-year track record
l
requirement of 10 years experience for individual
applicants in banking and finance
l
minimum 13 % capital adequacy ratio for three years
l
promoters stake to be reduced to 30 % over 10 years
and to 15 % over 12 years
l
the bank to be listed on the stock exchanges within 6
years
It is important to note that the companies having assets
worth ` 50 billion or more, who derive over 40 % of their
income from non-financial business are prohibited. The
foreign shareholding in the bank would be as per the
existing FDI. At present, the aggregate foreign investment
limit is 74 %.
04 What is Recovery of Debts Laws
Amendment Bill, 2016?
The Parliament has passed Enforcement of Security Interest
and Recovery of Debts Laws Amendment Bill, 2016 on
August 1,2016. It was first passed in Lok Sabha and later in
Rajya Sabha. The Bill seeks to strengthen the debt recovery
laws, improve financial health of the banks and lead to ease
of doing business. Key Features
The Bill seeks to amend four laws
(i) Securitisation and Reconstruction of Financial Assets
and Enforcement of Security Interest (SARFAESI) Act,
2002
(ii) Recovery of Debts due to Banks and Financial
Institutions Act (RDDBFI), 1993
(iii) Depositories Act, 1996 and
(iv) Indian Stamp Act, 1899.
05 Explain about India Post Payments Bank.
The Union Cabinet under the chairmanship of Prime
Minister Narendra Modi has given its approval for setting up
the India Post Payments Bank (IPPB) as a Public Limited
Company under the Department of Posts, with 100%
government of India equity. The Cabinet approved a
proposal in this respect on June 1, 2016. India has 154000
post offices, of which 139000 are rural post offices. IPPB
will obtain banking licence from the Reserve Bank of India
(RBI) by March 2017 and by September 2017, all 650
branches of the postal payments bank would become
operational.
Its services will be available across the country through
these 650 payments bank branches, linked post offices and
alternative channels, riding on modern technology including
mobiles, ATMs and simple digital payments. At present, the
core banking network of post offices is more than that of
the countrys largest lender State Bank of India (SBI). After
State Bank of India, India Post has the largest deposits
valued at ` 6 lakh crore.
06 Which new Agenda will replace Five-Year
Plans?
Abandoning the ancient concept of Five-Year Plans that
India has been following since 1951, the National Institution
for Transforming India (NITI) Aayog has decided on June
22, 2016 to come up with a 15-year vision document in
tandem with global trends and economic growth.
The first 15-year vision document will come into effect from
2017-18 after the end of the 12th Five Year Plan. It will be
formulated with central objective of eradication poverty. It
will come along with a 7-year National Development
Agenda which will lay down the programmes schemes, and
strategies to achieve the long-term vision. The long vision
Bankin Guru November 2017 125
 document (perspective plan) will comprise of 3-year
macroeconomic framework. The framework will predict
growth indicators that will be synced with the 14th
Finance Commission recommendations.
07 What is Insolvency and Bankruptcy
Code Bill, 2016?
The Parliament has passed the Insolvency and
Bankruptcy Code Bill, 2016. It was first passed in Lok
Sabha and later in Rajya Sabha in the month of May,
2016. The code seeks to ensure time-bound settlement
of insolvency, faster turnaround of businesses and
create a unified data base of serial defaulters.
The Code will consolidate and amend existing laws
related to insolvency resolution and reorganisation of
corporate persons, partnership firms and individuals in a
time bound manner. It provides for setting up Insolvency
and Bankruptcy Board of India (IBBI) to regulate
professionals, agencies and Information Utilities (IUs)
engaged in resolution of insolvencies of companies. It
also provides for establishment of National Companies
Law Tribunal (NCLT) and Debt Recovery Tribunals (DRT)
as nodal adjudicating authorities for resolution of
insolvency, liquidation and bankruptcy. As per the code,
in case of insolvency the interest of the workers must be
fully protected and they should be given dues for 24
months. The code seeks to give a push to the ease of
doing business in the country.
08 Explain about India's First Small Finance
Bank.
India's first small finance bank, Capital Small Finance
Bank, was launched on Apri 24, 2016. The
Jalandhar-headquartered bank had been operating as
Capital Local Area Bank since January 2000 with 47
branches in five districts of Punjab. It is among the 10
entities that were given the in-principle approval by the
Reserve Bank of India (RBI) to set-up Small Finance
Banks.
Small Finance Banks are a new category of Banks
announced by the RBI in July 2014, when the draft
guidelines for Small Finance Banks was made public.
Small Finance Banks licenses are more restrictive than a
regular bank license, such as one given to State Bank of
India (SBI) or ICICI Bank. While Small Finance Banks
can undertake fundamental banking activities such as
deposit taking and lending, they are not allowed to
set-up subsidiaries. Also the loan ticket size is much
smaller in Small Finance Banks compared to regular
banks. RBI has mandated that the activities of promoters
of Small Finance Banks should not be mixed with
banking operations.
09 Explain about Islamic Development
Bank.
Saudi Arabias Islamic Development Bank (IDB) has
decided on May 26,2016 to open its first branch in India
at Ahmedabad (Gujarat). In this regard, IDB and its
private sector arm, Islamic Corporation for the
Development of the Private Sector (ICD), already have
met with top officials of the Reserve Bank of India (RBI),
EXIM Bank and Indias other nationalised banks.
The IDB is a multilateral development financing
institution based in in Jeddah (Saudi Arabia). Presently,
it has 56 Islamic countries as its members. It was
founded in 1973 by the Finance Ministers at the first
Organisation of the Islamic Conference (now
Organisation of Islamic Cooperation).
126 Bankin Guru November 2017
Explain the master direction on merger of
10
Private Sector Banks issued by RBI.
The Reserve Bank of India came out with master direction for
merger of Private Sector Banks and also between NBFCs and
banks on April 22,2016. In another master direction, a
compilation which consolidates instructions on rules and
regulations framed by the RBI under various Acts, including
banking issues and foreign exchange transactions, the Central
bank provided direction for issue and pricing of shares by
Private Sector Banks.
The scope of master direction on merger will cover an
amalgamation of two banking companies and amalgamation
of an NBFC with a banking company. In both the cases, the
voluntary amalgamation will become effective after RBI's
approval. In case of NBFC merging with a Private Sector Bank,
the master direction said that all accounts should be KYC
compliant as they would eventually become accounts of the
banks after amalgamation.
11 Explain about the Pradhan Mantri Rozgar
Protsahan Yojana.
A new scheme Pradhan Mantri Rozgar Protsahan Yojana
(PMRPY) has been announced in the budget for 2016-17 with
the objective of promoting employment generation and an
allocation of ` 1000 crores has been made. The scheme is
being implemented by the Ministry of Labour and Employment
in 2016-17. Under the scheme employers would be provided
an incentive for enhancing employment by reimbursement of
the 8.33% Employees Pension Scheme (EPS) contribution
made by the employer in respect of new employment.
The PMRPY scheme is targeted for workers earning wages
upto ` 15000 per month. Publicity and awareness campaign is
an integral component of the PMRPY scheme for encouraging
employers including Micro, Small and Medium Enterprises
(MSMEs) to avail benefits.
12 What is Legal Tender?
The coins issued under the authority of Section-6 of The
Coinage Act, 2011, shall be legal tender in payment or on
account i.e. provided that a coin has not been defaced and
has not lost weight so as to be less than such weight as may
be prescribed in its case coin of any denomination not lower
than one rupee shall be legal tender for any sum, half rupee
coin shall be legal tender for any sum not exceeding ` 10.
Every banknote issued by Reserve Bank of India ( ` 2, ` 5,
` 10, ` 20, ` 50, ` 100, ` 200, ` 500 and ` 2000) shall be legal
tender at any place in India in payment or on account for the
amount expressed therein, and shall be guaranteed by the
Central government, subject to provisions of sub-section (2)
Section 26 of RBI Act, 1934.
13 Explain about Indias first Certified Green
Bond.
Axis Bank has launched Indias first internationally-listed
certified green bond on June 10, 2016 to finance climate
change solutions around the world at London Stock Exchange
(LSE). The proceeds of the bond will be invested by Axis Bank
in green energy, transportation and infrastructure projects.
The green bonds of Axis Bank were certified by the Climate
Bonds Standards Board. It has raised 500 million dollars at the
LSE after it launched. This is the first green bond of Axis Bank
issued within its $ 5 billion Medium Term Note (MTN)
programme, which has also has been listed entirely on LSE.
In Green Bond, the issuer gets capital from the investors only if
the investment (capital) is being raised to fund green projects
relating to renewable energy or emission reductions etc.
 PORTFOLIO
AND PERSON
President Ram Nath Kovind Minister Portfolio
Vice-President M. Venkaiah Naidu Rajyavardhan Singh Youth Affairs and Sports; Information and
Prime Minister Narendra Modi Rathore Broadcasting
Raj Kumar Singh Power; New and Renewable Energy
Cabinet Minister Hardeep Singh Puri Housing and Urban Affairs
Alphons Kannanthanam Tourism; Electronics and Information
Minister Portfolio Technology
Rajnath Singh Home Affairs
Sushma Swaraj External Affairs Ministers of State
Arun Jaitley Finance and Corporate Affairs
Minister Portfolio
Nitin Jairam Gadkari Road Transport and Highways,
Shipping; Water Resources, River Vijay Goel Parliamentary Affairs, Statistics and
Development and Ganga Rejuvenation Programme Implementation
Suresh Prabhu Commerce and Industry Radhakrishnan P. Finance and Shipping
DV Sadananda Gowda Statistics and Programme SS Ahluwalia Drinking Water and Sanitation
Implementation Ramesh Chandappa Drinking Water and Sanitation
Uma Bharati Drinking Water and Sanitation Jigajinagi
Ramvilas Paswan Consumer Affairs, Food and Public Ramdas Athawale Social Justice and Empowerment
Distribution Vishnu Deo Sai Steel
Maneka Sanjay Gandhi Women and Child Development Ram Kripal Yadav Rural Development
Ananth Kumar Chemicals and Fertilizers, Hansraj Gangaram Ahir Home Affairs
Parliamentary Affairs Haribhai Parthibhai Mines and Coal
Ravi Shankar Prasad Law and Justice, Electronics and Chaudhary
Information Technology Rajen Gohain Railways
Jagat Prakash Nadda Health and Family Welfare. VK Singh External Affairs
Ashok Gajapathi Raju Civil Aviation Parshottam Rupala Agriculture and Farmers Welfare and
Pusapati Panchayati Raj
Anant Geete Heavy Industries and Public Enterprises Krishan Pal Social Justice and Empowerment
Harsimrat Kaur Badal Food Processing Industries Jaswantsingh Tribal Affairs
Narendra Singh Tomar Rural Development, Panchayati Raj and Sumanbhai Bhabhor
Mines Shiv Pratap Shukla Finance
Chaudhary Birender Singh Steel Ashwini Kumar Choubey Health and Family Welfare
Jual Oram Tribal Affairs Sudarshan Bhagat Tribal Affairs
Radha Mohan Singh Agriculture and Farmers Welfare Upendra Kushwaha Human Resource Development
Thaawar Chand Gehlot Social Justice and Empowerment Kiren Rijiju Home Affairs
Smriti Zubin Irani Textiles; Information and Broadcasting Virendra Kumar Women and Child Development and
Harsh Vardhan Science and Technology, Earth Ministry of Minority Affairs
Sciences, Environment, Forest and Anant Kumar Hegde Skill Development and Entrepreneurship
Climate Change
MJ Akbar External Affairs
Prakash Javadekar Human Resource Development
Niranjan Jyoti Food Processing Industries
Dharmendra Pradhan Petroleum and Natural Gas, Skill
YS Chowdary Science & Technology and Earth Sciences
Development and Entrepreneurship
Jayant Sinha Civil Aviation
Piyush Goyal Railways and Coal
Babul Supriyo Heavy Industries and Public Enterprises
Nirmala Sitharaman Defence
Vijay Sampla Social Justice and Empowerment
Mukhtar Abbas Naqvi Minority Affairs
Arjun Ram Meghwal Parliamentary Affairs, Water Resources,
River Development & Ganga Rejuvenation
Ministers of State (Independent Charge) Ajay Tamta Ministry of Textiles
Minister Portfolio Krishna Raj Agriculture and Farmers Welfare
Rao Inderjit Singh Planning, Chemicals and Fertilizers Mansukh L. Mandaviya Road Transport and Highways; Shipping;
Chemicals & Fertilizers
Mahesh Sharma Culture, Environment, Forest and Climate
Change Anupriya Patel Health and Family Welfare
Giriraj Singh Micro, Small and Medium Enterprises CR Chaudhary Consumer Affairs, Food and Public
Distribution; and Commerce and Industry
Manoj Sinha Communications; Railways
PP Chaudhary Law and Justice and Corporate Affairs
Santosh Kumar Gangwar Labour and Employment
Subhash Ramrao Defence
Shripad Yesso Naik Ayurveda, Yoga and Naturopathy, Unani, Bhamre
Siddha and Homoeopathy (AYUSH)
Gajendra Singh Agriculture and Farmers Welfare
Jitendra Singh Development of North-Eastern Region; Shekhawat
Prime Ministers Office, Personnel, Public
Grievances and Pensions, Department of Satya Pal Singh Human Resource Development, Water
Atomic Energy, Department of Space Resources, River Development and
Ganga Rejuvenation

Bankin Guru November 2017 127

Important Dignitaries Bureaucrats
Post Name Designation Name
Chief Justice, Supreme Court Dipak Mishra National Security Adviser Ajit Kumar Doval
Speaker, Lok Sabha Sumitra Mahajan Solicitor General Ranjit Kumar
Deputy Speaker, Lok Sabha M. Thambidurai Attorney General KK Venugopal
Comptroller and Rajiv Mehrishi Cabinet Secretary Pradeep Kumar Sinha
Auditor-General of India Home Secretary Rajiv Gauba
Chief Election Commission Achal Kumar Jyoti Foreign Secretary S. Jaishankar
Chairman, Union Public Service David R. Syiemlich Defence Secretary G. Mohan Kumar
Commission
Secretary General, Lok Sabha Anoop Mishra
Deputy Chairman, Rajya Sabha PJ Kurien
Principal Scientific Adviser R. Chidambaram
Chairman, Railway Board Ashwini Lohani
Important National Officials
Director, Central Bureau of Investigation Alok Kumar Verma
Designation Name (CBI)
Vice-President, NITI Aayog Rajiv Kumar Chief, Intelligence Bureau (IB) Rajiv Jain
Chairperson, NHRC HL Dattu Chief, Research and Analysis Wing (RAW) AK Dhasmana
Chairperson, NCM Gairul Hasan Rizvi Director General, NIA YC Modi
Chairperson, National Commission for Nand Kumar Sai
Scheduled Tribes Governors and Chief Ministers
Chairperson, UGC Ved Prakash
State Governor Chief Minister
Chairperson, National Commission for Ramashankar
Scheduled Castes Katheria Andhra Pradesh ESL Narasimhan N. Chandrababu Naidu
(Add. Charge)
Chairman, ISRO AS Kiran Kumar
Arunachal PB Acharya Pema Khandu
Chairman, Atomic Energy Commission Shekhar Basu Pradesh (Add. Charge)
Chairperson, 14th Finance Commission YV Reddy Assam Banwarilal Purohit Sarbananda Sonowal
Chairperson, National Highways Authority Yuddhavir Singh Bihar Kesarinath Tripathi Nitish Kumar
of India Malik (Add. Charge)
Chairperson, Central Board of Film Prasoon Joshi Chhattisgarh Balramji Tandon Raman Singh
Certification
Goa Mridula Sinha Manohar Parrikar
Chairperson, Childrens Film Mukesh Khanna
Society of India Gujarat OP Kohli Vijay Rupani
Director, National Cadet Corps A. Chakravarty Haryana Kaptaan Singh Solanki Manohar Lal Khattar
Chairperson, Central Board of Secondary Anita Karwal Himachal Acharya Dev Vrat Virbhadra Singh
Education Pradesh
Chairperson, Press Council of India CK Prasad Jammu-Kashmir NN Vohra Mehbooba Mufti
Director General, Border Security Force KK Sharma Jharkhand Draupadi Murmu Raghubar Das
Director General, CRPF Rajiv Ray Bhatnagar Karnataka Vajubhai R. Vala K. Siddharamaiah
Director General, ITBP RK Panchnanda Kerala P. Sathasivam P. Vijayan
Chairperson, National Green Tribunal Justice Swatantra Madhya OP Kohli Shivraj Singh Chouhan
Kumar Pradesh (Add. Charge)
Director, NCERT Hrushikesh Maharashtra C. Vidyasagar Rao Devendra Phadnavis
Senapathi Manipur Najma Heptulla N. Biren Singh
President, Press Trust of India Vivek Goenka Meghalaya Banwarilal Purohit Mukul Sangma
President, Staff Selection Commission Ashim Khurana (Add. Charge)
Director General, Delhi Metro Rail Mangoo Singh Mizoram Nirbhaya Sharma P. Lalthanhawla
Corporation Nagaland PB Acharya TR Zeliang
Vice Chancellor, IGNOU M. Aslam Odisha SC Jamir Naveen Patnaik
President, National Commission for Lalitha
Punjab VP Singh Badnore Amarinder Singh
Women Kumarmangalam
Rajasthan Kalyan Singh Vasundhara Raje
President, National Commission for Stuti Narain Kacker
Protection of Child Rights Sikkim Srinivas Patil Pawan Chamling
President, Institute of Chartered Nilesh Shivaji Tamil Nadu C. Vidyasagar Rao EK Palanisami
Accountants (ICAI) Vikamsey (Add. Charge)
Director General, CSIR Girish Sahani Telangana ESL Narasimhan K. Chandrashekhar Rao
CEO, Bharat Sanchar Nigam Limited Anupam Shrivastava Tripura Tathagat Rai Manik Sarkar
Chairman, IRDAI TS Vijayan Uttar Pradesh Ram Naik Yogi Adityanath
President, DRDO S. Christopher Uttarakhand KK Paul Trivendra Singh Rawat
Chairman, FSSAI Ashish Bahuguna West Bengal Keshari Nath Tripathi Mamata Banerjee

* Updated till September 29, 2017

128 Bankin Guru November 2017