SBI Clerk

Clerk (First Shift) Exam, 2009
(Held on 22-11-2009)
General Awareness : Solved Paper
1. As per the reports of the survey conducted by various agencies jointly, which of the following
countries is adjudged as the ‘Most Favoured Nation’ for back office support to the world’s major multinationals ?
(A) China
(B) South Africa
(C) Singapore
(D) India
(E) None of these
Ans : (D)
2. Which of the following nations is found at the top of the ‘World’s Green, Index’, compiled by various global agencies jointly ?
(A) China
(B) India
(C) USA
(D) Britain
(E) Japan
Ans : (B)
3. The President of India in her first speech in the joint session of the current parliament had said that every family living below poverty line would get 25 kg. of wheat/rice per month at @ Rs. 3 per kg. To achieve this she recommended enacting of which of the following Acts ?
(A) National Rural Employment Guarantee Act
(B) National Agricultural Commodities and Warehousing Act
(C) Indira Gandhi National Old Age Pension Act
(D) National Minimum Wages Act
(E) National Food Security Act
Ans : (E)
4. As per the news paper reports, India is in the process of purchasing some ‘mid-air refuellers’ from a global supplier. These ‘mid-air refuellers’ are being procured for which of the following establishments ?
(A) Indian Airlines and Air India
(B) Indian Air Force
(C) Ministry of Civil Aviation
(D) Pawan Hans
(E) Ministry of Surface Transport
Ans : (B)
5. The Govt. of India announced a special relief package of several thousand crores of rupees for which of the following sections of our society ?
(A) Senior Citizens
(B) Women Employees of Central Government
(C) Farmers
(D) Workers in unorganized sectors
(E) All of these
Ans : (C)
6. The present Lok Sabha is formed after the ……….
(A) 13th general elections
(B) 14th general elections
(C) 15th general elections
(D) 16th genral elections
(E) None of these
Ans : (C)
7. As per the reports published in various newspapers, the number of India’s wireless subscribers has become about 400 million. Which of the following agencies, as a regulator, has published this data ?
(A) Telecom Regulatory Authority of India
(B) MTNL
(C) Department of Telecommunication Services (DTS)
(D) Association of Cellular Service Providers
(E) None of these
Ans : (A)
8. Late Y. S. Rajasekhar Reddy who passed away a few months back was holding which of the following positions ?
(A) Chief Minister of a state
(B) Union Cabinet Minister
(C) Governor of a State
(D) Chief Secretary of a State
(E) India’s permanent Representative in the UNO
Ans : (A)
9. The ‘H1N1’ virus is responsible for the outbreak of which of the following in the world ?
(A) AIDS
(B) Swine Flue
(C) Polio
(D) T.B.
(E) Chikungunya
Ans : (B)
10. Who amongst the following is NOT a member of the present Union Cabinet ?
(A) Ambika Soni
(B) Kamalnath
(C) Rahul Gandhi
(D) Jyotiraditya Scindia
(E) Vilasrao Deshmukh
Ans : (C)
11. Which of the following agencies has estimated that by the year 2015 about a quarter of India’s population will be living in extreme poverty ?
(A) Asian Development Bank
(B) World Bank
(C) U N Economic and Social Council
(D) U N Food and Agricultural Organisation
(E) International Monetary Fund
Ans : (B)
12. The war between Russia and which of the following nations in 2008 is known as ‘August war’ ?
(A) Georgia
(B) Iran
(C) Slovakia
(D) Afghanistan
(E) None of these
Ans : (A)
13. Which of the following is Bank Rate at present ?
(A) 3%
(B) 4%
(C) 5%
(D) 6%
(E) None of these
Ans : (D)
14. India is NOT a member of which of the following organizations ?
(A) SAARC
(B) WTO
(C) BRIC
(D) UNO
(E) OPEC
Ans : (E)
15. Which of the following schemes is launched by the Ministry of Rural Development ?
(A) Mid Day Meal Scheme
(B) Janani Suraksha Yojana
(C) Know India Programme
(D) National Food for Work Programme
(E) None of these
Ans : (E)
16. Almost all Banks in India are running special schemes for providing banking services to rural poor. This concept is popularly known as ……….
(A) Faster Growth
(B) Trade Finance
(C) SME Finance
(D) Investment Banking
(E) Financial Inclusion
Ans : (E)
17. Special emphasis by the Govt. of India on which of the following will certainly improve the performance of the agriculture sector in country within a short span of time ?
(A) Focussed Public Distribution System
(B) Sanitation & Health Services
(C) Rural Employment
(D) Better irrigation facilities
(E) All of these
Ans : (E)
18. The Reserve Bank of India is in the process of selling its stake in which of the following agencies /organizations ?
(A) NABARD
(B) Food Corporation of India
(C) Steel Authority of India Ltd.
(D) Bombay Stock Exchange
(E) None of these
Ans : (A)
19. The market value of all final goods and services produced and/made with the geographical boundaries of a country in a year is known as ……….
(A) Gross Domestic Product
(B) Gross National Saving
(C) Gross Fiscal Deficit
(D) Gross Domestic Capital Formation
(E) None of these
Ans : (A)
20. Organisation of workers in which of the following groups has proved a very effective way of providing micro finance by banks to the rural people and poor in India ?
(A) Self Help Groups
(B) Vriksha Mitras
(C) Shiksha Sevaks
(D) Accredited Social Health Activist (ASHA)
(E) Link Workers
Ans : (A)
21. Which of the following things is done in the Union Budget 2009-10, to help ‘Tax payers’ in India ?
(A) Mobile phones, branded jewellery and leather products will cost less as the Custom duty is reduced on them
(B) Allocation under Rashtriya Krishi Vikas Yojana is increased by 30%
(C) Farm Loan Waiver scheme is extended to 31st December 2009
(D) Fringe Benefit Tax abolished
(E) None of these
Ans : (D)
22. The Government of India has increased its allocation of funds to which of the following schemes by 144% in current union budget, as it has proved to be a very popular scheme amongst the rural job seekers ?
(A) Integrated Rural Development Programme
(B) National Food for Work Programme
(C) Pradhan Mantri Gram Sadak Yojana
(D) National Rural Employment Guarantee Act
(E) None of these
Ans : (D)
23. Which of the following Acts is enacted to help the Union Govt. to manage its budgeted finances and fiscal deficit in a very disciplined manner ?
(A) The Competition Act
(B) The Banking Regulation Act
(C) The Negotiable Instruments Act
(D) Foreign Exchange Management Act
(E) Fiscal Responsibility and Budget Management Act
Ans : (E)
24. Which of the following is NOT a banking related term ?
(A) Discount
(B) Credit
(C) Reynolds Number
(D) Post Dated Cheque
(E) Time Deposit
Ans : (C)
25. Who amongst the following was awarded Rajiv Gandhi Khel Ratna in 2009 ?
(A) Sachin Tendulkar
(B) Abhishek Jha
(C) Saina Nehwal
(D) M. C. Mary Kom
(E) None of these
Ans : (D)
26. Which of the following books is written by Sunil Gavaskar ?
(A) By God’s Decree
(B) Freedom From Fear
(C) Sunny Days
(D) Story of My Life
(E) None of these
Ans : (C)
27. Who amongst the following can never be a winner of the Nobel Prize ?
(A) An Author
(B) A Medical Doctor
(C) An Economist
(D) A Physicist
(E) A world famous Musician
Ans : (E)
28. Which of the following awards is NOT given by the Government of India ?
(A) Bharat Ratna
(B) Padma Vibhushan
(C) Ashok Chakra
(D) Kalinga Prize
(E) All are given by the Government of India
Ans : (D)
29. Which of the following operations is conducted after a gap of every ten years ?
(A) Economic survey
(B) Estimates of Foreign Direct Investment (FDI)
(C) Compilation of Human Development Report
(D) Census of Small Scale Enterprises
(E) General Census
Ans : (E)
30. Which of the following schemes is launched to make Indian cities free from slums in days to come ?
(A) Indira Awas Yojana
(B) Bharat Nirman
(C) Rajiv Awas Yojana
(D) Jawaharlal Nehru National Urban Renewal Mission
(E) None of these
Ans : (C)
31. Which of the following is NOT the name of an irrigation system prevalent in India ?
(A) Sprinkler System
(B) Silage System
(C) Drip System
(D) Furrow System
(E) Canal System
Ans : (B)
32. Deep Joshi was given Raman Magsaysay Award in 2009 for his contribution in the field of ……….
(A) literature
(B) sports
(C) cinema
(D) journalism
(E) rural development
Ans : (E)
33. Which of the following terms is used in the game of Badminton ?
(A) Double Fault
(B) Punch
(C) Follow on
(D) Tee
(E) None of these
Ans : (A)
34. Cashew nut is not produced as a major product in which of the following states ?
(A) Maharashtra
(B) Goa
(C) Uttar Pradesh
(D) Orissa
(E) Andhra Pradesh
Ans : (C)
35. Late Norman Borlaug who passed away recently, was famous for his contribution to which of the following in India ?
(A) Operation Flood
(B) Operation Black Board
(C) Co-operative Movement in Milk production
(D) Green Revolution
(E) None of these
Ans : (D)
36. Which of the following cups/trophies is NOT related with the game of cricket ?
(A) Deodhar Trophy
(B) Irani Trophy
(C) Subroto Cup
(D) Ranji Trophy
(E) ICC Trophy
Ans : (C)
37. Which of the following books is written by Namita Gokhale ?
(A) A Himalayan Love Story
(B) Soul Mountain
(C) A New World
(D) The Last Hero
(E) None of these
Ans : (A)
38. Which of the following taxes is not levied by the Government of India ?
(A) Income Tax
(B) Professional Tax
(C) Excise Duty
(D) Dividend Distribution Tax
(E) Capital Gain Tax
Ans : (B)
39. Which of the following cups/trophies is associated with the game of Lawn Tennis ?
(A) Bomba Gold Cup
(B) Davis Cup
(C) Ranji Trophy
(D) Vizzy Trophy
(E) Nehru Trophy
Ans : (B)
40. Who amonst the following was a famous author and director ?
(A) C. V. Raman
(B) Vijay Tendulkar
(C) Bidhanchandra Roy
(D) Bismillah Khan
(E) Vilayat Khan
Ans : (B)

kerala psc model question papers, IBPS bank test question paper

SBI Clerk

SBI – Clerk Recruitment Exam 2009
General English
Directions—(Q. 1–12) Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.
Keshava, the washerman had a donkey. They worked together all day, and Keshava would pour out his heart to the doneky. One day, Keshava was walking home with the donkey when he felt tired. He tied the donkey to a tree and sat down to rest for a while, near a school. A window was open, and through it, a teacher could be heard scolding the students. ‘Here I am, trying to turn you donkeys into human beings, but you just won’t study !’ As soon as Keshava heard these words, his ears pricked up. A man who could actually turn donkeys into humans ! This was the answer to his prayers. Impatiently, he waited for school to be over that day. when everyone had gone home, and only the teacher remained behind to check some papers, Keshava entered the classroom.
‘How can I help you ?’ asked the teacher. Keshava scratched his head and said, ‘I heard what you said to the children. This donkey is my companion. If you made it human, we could have such good times together.’ The teacher decided to trick Keshava. He pretended to think for a while and then said, ‘Give me six months and it will cost you a thousand rupees.’ The washerman agreed and rushed home to get the money. He then left the donkey in the teacher’s care.
After the six months were up, Keshava went to the teacher. The teacher had been using the donkey for his own work. Not wanting to give it up, he said, ‘Oh, your donkey became so clever that it ran away. He is the headman of the next village.’ When Keshava reached the next village he found the village elders sitting under a tree, discussing serious problems. How surprised they were when Keshava marched up to the headman, grabbed his arm and said, ‘How dare you ? You think you are so clever that you ran away ? Come home at once !’
The headman understood someone had played a trick on Keshava. ‘I am not your donkey !’ he said. ‘Go find the sage in the forest.’ Keshava found the sage sitting under a tree with his eyes closed, deep in meditation. He crept up and grabbed the sage’s beard. ‘Come back home now !’ he shouted. The startled sage somehow calmed Keshava. When he heard what had happened, he had a good laugh. Then he told the washerman kindly, ‘The teacher made a fool of you. Your donkey must be still with him. Go and take it back from him. Try to make some real friends, who will talk with you and share your troubles. A donkey will never be able to do that !’ Keshava returned home later that day with his donkey, sadder and wiser.
1. Which of the following can be said about the teacher ?
(A) He had the ability to transform animals into human beings
(B) He took advantage of Keshava’s simple nature
(C) He had plotted with the village headman to cheat Keshava
(D) He enjoyed teaching children though he was poorly paid
(E) He was honest and used Keshava’s money to care for the donkey
Ans : (B)
2. Why did Keshava talk to his donkey while working ?
(A) He wanted to practise his communication skills because he wanted to make friends
(B) To entertain himself because he found his work monotonous
(C) The donkey helped him to find answers to his problems
(D) He regarded the doneky as his friend and confided in him
(E) He believed the donkey to be a human being in disguise
Ans : (E)
3. How did Keshava get his donkey back ?
(A) He threatened to take the teacher to the village elders
(B) The sage forced the teacher to release the donkey
(C) He asked the village headman for help
(D) The teacher returned it on learning that Keshava had learnt his lesson
(E) None of these
Ans : (E)
4. Which of the following is NOT true in the context of the passage?
(a) The donkey was over burdened by the teacher.
(b) The teacher was cunning by nature.
(c) The sage laughed at Keshava and treated him unkindly.
(A) Both (a) & (c)
(B) Both (b) & (c)
(C) Only (b)
(D) All (a), (b) & (c)
(E) None of these
Ans : (A)
5. Why was Keshava keen to meet the teacher one day ?
(A) Keshava wanted to ask the teacher how to make his donkey a better companion
(B) He wanted to learn more prayers as he was devout
(C) He had been reliably informed that the teacher had changed donkeys into human beings
(D) He heeded the teacher’s words of advice and wanted to study
(E) None of these
Ans : (A)
6. Why did Keshava interrupt the discussion among the village elders ?
(A) He did not agree with their views on different issues
(B) To confront the headman who had cheated him out of one thousand rupees
(C) He wanted them to get justice for him
(D) He was looking for the donkey and wanted to ask for directions
(E) None of these
Ans : (E)
7. What made Keshava pull the sage’s beard ?
(A) He wanted to wake up the sage who was a sleep under the tree
(B) The headman requested him to move the sage from under the tree
(C) He wanted the sage to explain what had happened to the donkey
(D) He misunderstood the village headman and took the sage to be his donkey
(E) None of these
Ans : (D)
8. Why did the teacher ask Keshava to leave the donkey with him for six months ?
(a) He realised that the donkey would require a lot of training.
(b) To reduce Keshava’s dependence on the donkey.
(c) He wanted to rescue the donkey from Keshava who did not know to treat the donkey properly.
(A) None
(B) Only (b)
(C) Both (a) & (b)
(D) Only (c)
(E) None of these
Ans : (A)
Directions—(Q. 9–10) Choose the word which is MOST SIMILAR in MEANING to the word printed in bold as used in the passage.
9. trick
(A) joke
(B) skill
(C) mislead
(D) technique
(E) lunny
Ans : (C)
10. remained
(A) pending
(B) waited
(C) lasted
(D) survived
(E) continued
Ans : (D)
Directions—(Q. 11–12) Choose the word which is MOST OPPOSITE in MEANING to the word printed in bold as used in the passage.
11. real
(A) false
(B) imitated
(C) dishonest
(D) imagine
(E) genuine
Ans : (A)
12. deep
(A) low
(B) distracted
(C) flat
(D) awake
(E) sleep
Ans : (B)
Directions—(Q. 13–17) Which of the phrases (A), (B), (C) and (D) given below each sentence should replace the phrase printed in bold in the sentence to make it grammatically correct ? If the sentence is correct as it is given and ‘No Correction is Required’, mark (E) as the answer.
13. The company has set up a foundation which helps students who do not have the necessary funds to study ahead.
(A) further to study
(B) of studying more
(C) to study onward
(D) for higher studies
(E) No Correction Required
Ans : (D)
14. If this land is used to cultivate crops it will be additionally source of income for the villagers.
(A) a source of additional
(B) an additionally source
(C) an additional source
(D) additionally the source
(E) No Correction Required
Ans : (C)
15. Belonged to this cadre, you are eligible for facilities such as free air travel and accommodation.
(A) since you belong to
(B) whoever belongs
(C) for belonging to
(D) to belong in
(E) No Correction Required
Ans : (A)
16. The bank has hired a consultant who will look into any issues which arise during the merger.
(A) is looking over
(B) will be looked after
(C) will look out
(D) looks down on
(E) No Correction Required
Ans : (E)
17. I had severe doubts about if I successfully run a company, but my father encouraged me.
(A) if I am successful in
(B) how should I successfully
(C) whether I could successfully
(D) that I would succeed to
(E) No Correction Required
Ans : (C)
Directions—(Q. 18–22) In each question below a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e. ‘All Correct’ as your answer.
18. RBI has attempted (A) to spend (B) financial (C) awareness (D) through this programme. All Correct (E)
Ans : (B)
19. In order to succeed (A) it is crucial (B) for an organisation to constantly (C) improve. (D) All Correct (E)
Ans : (E)
20. With some assistance (A) from her son she was enable (B) to settle (C) her debts (D) on time. All Correct (E)
Ans : (B)
21. Though the government initiated (A) a large sum (B) of money in the scheme (C) it was a failure. (D) All Correct (E)
Ans : (A)
22. We have prepared a detailed (A) report giving various (B) solutions (C) to resort (D) the problem. All Correct (E)
Ans : (D)
Directions—(Q. 23–27) Rearrange the following six sentences (a), (b), (c), (d), (e) and (f) in the proper sequence to form a meaningful paragraph; then answer the questions given below them.
(a) I was pleased by their reaction.
(b) Writing my speech was easy, but I was unsure if I could motivate the employees to donate to those affected by the earthquake.
(c) Instead of throwing out their unusable articles, they had transferred them to my office in the name of donations.
(d) When a reputed company invited me to deliver a lecture on Corporate Social Responsibility, I agreed.
(e) It was an affluent company and the well dressed employees who met me afterwards promised to send lots of donations to my office.
(f) What I saw however when I opened the bags of ‘donations’ they had sent shocked me.
23. Which of the following should be the SECOND sentence after rearrangement ?
(A) (b)
(B) (c)
(C) (d)
(D) (e)
(E) (f)
Ans : (A)
24. Which of the following should be the THIRD sentence after rearrangement ?
(A) (a)
(B) (b)
(C) (c)
(D) (d)
(E) (e)
Ans : (E)
25. Which of the following should be t h e FOURTH sentence after rearrangement ?
(A) (a)
(B) (b)
(C) (c)
(D) (d)
(E) (e)
Ans : (A)
26. Which of the following should be the LAST (SIXTH) sentence after rearrangement ?
(A) (b)
(B) (c)
(C) (d)
(D) (e)
(E) (f)
Ans : (B)
27. Which of the following should be the FIRST sentence after rearrangement ?
(A) (a)
(B) (b)
(C) (c)
(D) (d)
(E) (e)
Ans : (D)
Directions—(Q. 28–32) Read each sentence to find out whether there is any grammatical error or idiomatic error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E).
(Ignore errors of punctuation, if any.)
28. He has travelled (A) / all over the world (B) / yet he speaks (C) / several languages fluently. (D) No error (E)
Ans : (C)
29. A successful company is (A) / any that makes a good (B) / profit and provides (C) / high returns to its shareholders. (D) No error (E)
Ans : (B)
30. The agreement on (A) / which all of us have (B) / worked so hard will (C) / be sign tomorrow. (D) No error (E)
Ans : (D)
31. It is necessarily to maintain (A) / a record of all transactions (B) / in case the auditors (C) / want to see it. (D) No error (E)
Ans : (A)
32. Very few young trainees (A) / willingly undertake (B) / a posting to a branch (C) / located in a rural area. (D) No error (E)
Ans : (E)
Directions—(Q. 33–40) In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.
Today, twenty-two years after the bank …(33)…, it has over a thousand branches all over the country and the staff …(34)… about twentythree lakh borrowers. We decided to operate …(35)… from conventional banks who would ask their clients to come to their office. Many people in rural areas found this …(36)…. Our bank is therefore based on the …(37)… that people should not come to the bank but that the bank should go to the people. Our loans are also …(38)… we give them for activities from candle making to tyre repair. We also keep …(39)… checks on the borrower through weekly visits. We do this to make certain that the family of the borrower is …(40)… from the loan.
33. (A) origin
(B) commence
(C) existed
(D) began
(E) inaugurated
Ans : (E)
34. (A) assemble
(B) cope
(C) interact
(D) deal
(E) handle
Ans : (E)
35. (A) differently
(B) similar
(C) reverse
(D) opposite
(E) identically
Ans : (A)
36. (A) worried
(B) upset
(C) panicking
(D) anxious
(E) threatening
Ans : (D)
37. (A) principle
(B) discipline
(C) opportunity
(D) chance
(E) advantage
Ans : (A)
38. (A) worth
(B) vary
(C) disburse
(D) contrast
(E) diver
Ans : (B)
39. (A) consistently
(B) regular
(C) often
(D) frequently
(E) daily
Ans : (B)
40. (A) benefiting
(B) serving
(C) welfare
(D) obliged
(E) progress
Ans : (A)

kerala psc model question papers, IBPS bank test question paper

SBI Clerk

SBI – Clerk Recruitment Exam., 2009
General Awareness
1. Which of the following States will soon have its first Civil Airports ?
(A) Jammu & Kashmir
(B) Maharashtra
(C) Assam
(D) Meghalaya
(E) Sikkim
Ans : (E)
2. Who amongst the following made the 41st Test Century of his career recently ?
(A) Saurav Ganguly
(B) V. V. S. Laxman
(C) Rahul Dravid
(D) Sachin Tendulkar
(E) None of these
Ans : (D)
3. Which of the following was/were the objective(s) of the Mission Chandrayaan 1 ?
(a) Preparing dimensional atlas of the lunar surface.
(b) Chemical Mapping of the entire lunar surface.
(c) Locating minerals in the soil of the moon.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (D)
4. Which of the following States introduced a high tech foodgrain rationing system to ensure timely supply of the foodgrains to people living below poverty line ?
(A) Maharashtra
(B) Tamil Nadu
(C) Delhi
(D) West Bengal
(E) Karnataka
Ans : (E)
5. Which of the following is NOT a part of India’s Money Market ?
(A) Bill Markets
(B) Call Money Market
(C) Banks
(D) Mutual Funds
(E) Indian Gold Council
Ans : (E)
6. Which of the following is the objective of the project ‘Bhoomi Keralam’ launched by the State Govt. ?
(A) To conduct a survey of the land
(B) To bring those people back who have left the State and settled in other States
(C) To provide financial security to farmers who are in distress
(D) To identify those tribals who need jobs or financial assistance
(E) None of these
Ans : (A)
7. Which of the following countries adopted its new constitution recently ?
(A) Russia
(B) Equadore
(C) South Korea
(D) North Korea
(E) None of these
Ans : (B)
8. Which of the following awards was given to Pt. Bhimsen Joshi recently (2008) ?
(A) Padma Bhushan
(B) Sangit Natak Academy Award
(C) Maharashtra Bhushan
(D) Karnataka Ratna
(E) Bharat Ratna
Ans : (E)
9. Which of the following States got its first Rail link recently ?
(A) Haryana
(B) Arunachal Pradesh
(C) Sikkim
(D) Manipur
(E) Jammu & Kashmir
Ans : (E)
10. Barack Hussain Obama belongs to which of the following political parties ?
(A) Republican
(B) Democratic
(C) Labour
(D) American National Congress
(E) None of these
Ans : (B)
11. Which of the following is/are NOT the features of India’s Foreign Trade policy (2004 to 2009)?
(a) To double India’s percentage share of global trade from present 0·7 per cent to 1·5 per cent by 2009.
(b) Simplifying the procedures and bringing down the cost.
(c) Make SAARC countries India’s most preferred foreign trade partners by 2009.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) Only (a) & (c)
Ans : (C)
12. Stephen Harper whose name was in news recently is the ……….
(A) President of Canada
(B) Prime Minister of Canada
(C) President of Italy
(D) Prime Minister of Switzerland
(E) Foreign Minister of U.S.A.
Ans : (B)
13. Which of the following is NOT a fertilizer product ?
(A) Urea
(B) Murate of Potash
(C) Di Amonium Phosphate
(D) Calcium Carbonate
(E) All are fertilizers
Ans : (E)
14. A Rs. 35,000 crore JSW Steel Plant project was inaugurated in West Bengal recently. The project is setup / developed in ……….
(A) Singur
(B) Nandigram
(C) Salboni
(D) Malda
(E) Joynagar
Ans : (C)
15. Which of the following State Govts. Has announced that it will provide a special package of incentives to Employment Intensive Industries ?
(A) Punjab
(B) Karnataka
(C) Tamil Nadu
(D) Uttar Pradesh
(E) Bihar
Ans : (C)
16. Which of the following nations has decided to increase its co-operation in the field of energy with India ?
(A) Russia
(B) China
(C) Bangladesh
(D) Nepal
(E) Japan
Ans : (A)
17. Which of the following services is NOT provided by the post offices in India ?
(A) Savings Bank Scheme
(B) Retailing of Mutual Funds
(C) Sale of stamp Papers (Judicial)
(D) Issuance of Demand Drafts
(E) Life Insurance cover
Ans : (D)
18. Mohammed Anni Nasheed is the newly elected President of ……….
(A) Fiji
(B) Maldives
(C) Iraq
(D) Iran
(E) None of these
Ans : (B)
19. Who amongst the following is the winner of the Nobel Prize for Literature 2008 ?
(A) Jean Marie Gustave Le Clezio
(B) Martti Ahtisaari
(C) Yoichiro Nambu
(D) Francoise Barre Sinoussi
(E) None of these
Ans : (A)
20. A national level commission of India has asked about twenty States to set up which of the following commissions in their States as early as possible ?
(A) Farmers Commission
(B) Women Commission
(C) Child Welfare Commission
(D) Law Commission
(E) None of these
Ans : (D)
21. Which of the following is/are the measure(s) taken by the Reserve Bank of India (RBI) to ease the liquidity crunch in the country ?
(a) Cut in Cash Reserve Ratio and Statutory Liquidity Ratio.
(b) Increase the flow of foreign direct investment.
(c) Supply of additional currency notes in the market.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (A)
22. The third India Brazil and South Africa (IBSA) Summit took place in which of the following dies recently ?
(A) Brazilia
(B) New Delhi
(C) Suncity
(D) Salvador
(E) Durban
Ans : (B)
23. Which of the following States has dcided to set up Arsenic Removal Plants in all the districts of the State to enable itself to provide arsenic free drinking water to all the people by 2010-11 ?
(A) Karnataka
(B) Kerala
(C) West Bengal
(D) Orissa
(E) Maharashtra
Ans : (C)
24. Who amongst the following is the author of the book ‘The Exile’ ?
(A) B. G. Verghese
(B) Philip Roth
(C) Aravind Adiga
(D) Navtej Saran
(E) None of these
Ans : (D)
25. Which of the following programmes is being implemented in all the districts of the country ?
(A) Sarva Shiksha Abhiyan
(B) Navodaya Vidhyalay
(C) Ultra Mega Power Project
(D) Rajiv Gandhi Grameen Vidyuthikara Yojana
(E) None of these
Ans : (A)
26. The Govt. of India decided to provide a bonus price of Rs. 50 per quintal on which of the following products over and above its minimum support price of Rs. 850 per quintal ?
(A) Wheat
(B) Paddy
(C) Sugarcane
(D) Cotton
(E) None of these
Ans : (B)
27. Who amongst the following is the author of the book ‘The Namesake’ ?
(A) Vikram Seth
(B) V. S. Naipaul
(C) Arun Bhagat
(D) Anita Desai
(E) Jhumpa Lahiri
Ans : (E)
28. Besides USA India has signed Nuclear Agreement with which of the following countries and is named as ‘Co-operation Agreement for Peaceful uses of Nuclear Energy’ ?
(A) Italy
(B) Germany
(C) France
(D) Canada
(E) Australia
Ans : (C)
29. Tzipi Livini whose name was in news recently is from which of the following countries ?
(A) Singapore
(B) South Korea
(C) Austria
(D) Israel
(E) None of these
Ans : (D)
30. World Ozone day is observed on ……….
(A) 16th September
(B) 16th October
(C) 16th November
(D) 26th September
(E) 26th October
Ans : (A)
31. Which of the following is NOT a Govt. Sponsored organization ?
(A) Small Industries Development Bank of India
(B) NABARD
(C) National Housing Bank
(D) ICICI Bank
(E) All are Govt. sponsored
Ans : (D)
32. ‘Merdeka Cup’ is associated with the game of ……….
(A) Badminton
(B) Football
(C) Hockey
(D) Golf
(E) Tennis
Ans : (B)
33. India’s Space Rocket Launching Centre is in ……….
(A) Portblair
(B) Hassan
(C) Tirupati
(D) Kochi
(E) Sri Harikota
Ans : (E)
34. The National Games scheduled in 2011 will be organized in ……….
(A) Bengaluru
(B) Goa
(C) Kolkata
(D) Kochi
(E) Jaipur
Ans : (B)
35. Which of the followiing diseases is not covered under Integrated Disease Surveillance project ?
(A) Cholera
(B) Tuberculosis
(C) AIDS
(D) Polio
(E) Cancer
Ans : (E)
36. Which of the following is TRUE about ‘Antyodaya Anna Yojana’ ?
(a) Scheme is for Below Poverty Line families.
(b) People are provided cooked meals under the scheme.
(c) All beneficiaries of National Rural Employment Guarantee Act are covered in this scheme.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (E)
37. Jelena Jankovic of Serbia won which of the following titles of tennis after defeating Svetlana Kuznetsova ?
(A) China Open
(B) Japan Open
(C) New Zealand Open
(D) Australian Open
(E) None of these
Ans : (A)
38. Who amongst the following is the Minister of Home Affairs in Union Cabinet of India at present ?
(A) Shivraj Patil
(B) Lalu Prasad Yadav
(C) P. Chidambaram
(D) Sharad Pawar
(E) None of these
Ans : (C)
39. Banks are required to pay how much percentage of their net bank credit to Priority Sector is advance ?
(A) 5%
(B) 7%
(C) 10%
(D) 15%
(E) None of these
Ans : (C)
40. Dronacharya Award is given for excellence in ……….
(A) Literacy Work
(B) Social Service
(C) Coaching in Sports
(D) Journalism
(E) None of these
Ans : (C)

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SBI Clerk

SBI – Clerk Recruitment Exam., 2009
Marketing Aptitude/Computer Knowledge
1. A keyboard is this kind of device—
(A) black
(B) input
(C) output
(D) word Processing
(E) None of these
Ans : (B)
2. IT stands for—
(A) information Technology
(B) integrated Technology
(C) intelligent Technology
(D) interesting Technology
(E) None of these
Ans : (A)
3. Which of the following refers to the fastest, biggest and most expensive computers ?
(A) Personal Computers
(B) Supercomputers
(C) Laptops
(D) Notebooks
(E) None of these
Ans : (B)
4. A collection of related information sorted and dealt with as a unit is a—
(A) disk
(B) data
(C) file
(D) floppy
(E) None of these
Ans : (C)
5. The process of a computer receiving information from a server on the Internet is known as—
(A) pulling
(B) pushing
(C) downloading
(D) transferring
(E) None of these
Ans : (C)
6. Which part of the computer helps to store information ?
(A) Disk drive
(B) Keyboard
(C) Monitor
(D) Printer
(E) None of these
Ans : (A)
7. ………………is the process of carrying out commands.
(A) Fetching
(B) Storing
(C) Executing
(D) Decoding
(E) None of these
Ans : (C)
8. The role of a………generally is to determine a buyer’s needs and match it to the correct hardware and software.
(A) computer Scientist
(B) computer sales representative
(C) computer consultant
(D) corporate trainer
(E) None of these
Ans : (B)
9. Which of the following groups consist of only output devices ?
(A) Scanner, Printer, Monitor
(B) Keyboard, Printer, Monitor
(C) Mouse, Printer, Monitor
(D) Plotter, Printer, Monitor
(E) None of these
Ans : (D)
10. The rectangular area of the screen that displays a program, data, and/or information is a—
(A) title bar
(B) button
(C) dialog box
(D) window
(E) None of these
Ans : (D)
11. A(n)………contains commands that can be selected.
(A) pointer
(B) menu
(C) icon
(D) button
(E) None of these
Ans : (B)
12. An error is also known as—
(A) bug
(B) debug
(C) cursor
(D) icon
(E) None of these
Ans : (A)
13. Arithmetic Operations—
(A) involve matching one data item to another to determine if the first item is greater than, equal to, or less than the other item
(B) sort data items according to standard, predefined criteria in ascending order or descending order
(C) use conditions with operators such as AND, OR and NOT
(D) include addition, subtraction, multiplication and division
(E) None of these
Ans : (D)
14. Sending an e-mail is similar to—
(A) picturing an event
(B) narrating a story
(C) writing a letter
(D) creating a drawing
(E) None of these
Ans : (C)
15. Promotion in Marketing means—
(A) passing an examination
(B) elevation from one grade to another
(C) selling the products through various means
(D) selling the product in specific areas
(E) None of these
Ans : (C)
16. Microsoft Word is an example of—
(A) an operating system
(B) a processing device
(C) application software
(D) an input device
(E) None of these
Ans : (B)
17. Sources of Sales Leads are—
(A) Data Mining
(B) Market Research
(C) Media Outlets
(D) Promotional Programs
(E) All of these
Ans : (E)
18. Any data or instruction entered into the memory of a computer is considered as—
(A) storage
(B) output
(C) input
(D) information
(E) None of these
Ans : (A)
19. Which part of the computer displays the work done ?
(A) RAM
(B) printer
(C) monitor
(D) ROM
(E) None of these
Ans : (C)
20. One of the methods for Market Monitoring is—
(A) to watch TV serials
(B) to discuss with other sales persons
(C) to monitor media outlets
(D) All of these
(E) None of these
Ans : (C)
21. Market Expansion means—
(A) hiring more staff
(B) firing more staff
(C) buying more products
(D) buying more companies
(E) None of these
Ans : (E)
22. A series of instructions that tells a computer what to do and how to do it is called a—
(A) program
(B) command
(C) user response
(D) processor
(E) None of these
Ans : (A)
23. Effective marketing helps in—
(A) developing new products
(B) creating a competitive environment
(C) building demand for products
(D) All of these
(E) None of these
Ans : (D)
24. Which is the part of a computer that one can touch and feel ?
(A) Hardware
(B) Software
(C) Programs
(D) Output
(E) None of these
Ans : (A)
25. A Call in Marketing means—
(A) to phone the customers
(B) to visit the customers
(C) to visit the marketing site
(D) to call on prospective customers
(E) None of these
Ans : (D)
26. Delivery Channel means—
(A) maternity wards
(B) handing over the products to the buyers
(C) places where products are made available to the buyers
(D) All of these
(E) None of these
Ans : (C)
27. Processing involves—
(A) inputting data into a computer system
(B) transforming input into output
(C) displaying output in a useful manner
(D) providing relevant answers
(E) None of these
Ans : (B)
28. One of the following is a target group for the marketing of Internet Banking.
(A) All the customers
(B) All the educated customers
(C) All the computer educated customers
(D) Only creditors
(E) All of these
Ans : (C)
29. Innovation mean—
(A) Product Designing
(B) New ideas
(C) Impulse
(D) Both (A) and (B)
(E) None of these
Ans : (D)
30. One of the following is a target group for the marketing of educational loan.
(A) All the customers
(B) Students
(C) Only poor students
(D) Students having promising educational track record
(E) All of these
Ans : (B)
31. Service after sale is not the function of—
(A) Marketing staff
(B) Seller
(C) Director of the company
(D) Employees of the company
(E) All of the above are wrong
Ans : (A)
32. If done through………the rural marketing would be more effective.
(A) fairs
(B) village fairs
(C) door to door campaign
(D) All of these
(E) None of these
Ans : (B)
33. Market Survey means—
(A) Market Research
(B) Market Planning
(C) Marketing Strategies
(D) Market Monitering
(E) All of these
Ans : (A)
34. ………can be done through digital Banking ?
(A) Mobile phone
(B) Internet
(C) Telephone
(D) All of these
(E) None of these
Ans : (A)
35. A good seller should have the following quality/qualities ?
(A) Devotion to the work
(B) Submissive
(C) Sympathy
(D) All of these
(E) None of these
Ans : (D)
36. The rural marketing is not required because—
(A) rural people do not understand marketing
(B) its not practical from the cost point of view
(C) it is sheer wastage of time
(D) All are wrong
(E) All are correct
Ans : (D)
37. Planned-cost service means—
(A) Costly products
(B) Extra profit on the same cost
(C) Extra work by seller
(D) All of these
(E) None of these
Ans : (B)
38. Internet marketing means—
(A) Self-marketing
(B) Core Groups monitering
(C) Employees marketing
(D) All of these
(E) None of these
Ans : (E)
39. The aim of successful marketing is—
(A) to increase the sale
(B) to increase the profit
(C) to increase the output of sellers
(D) All of these
(E) None of these
Ans : (D)
40. The networking becomes……through networking.
(A) very difficult
(B) dull
(C) easy
(D) has no role in marketing
(E) None of these
Ans : (C)

kerala psc model question papers, IBPS bank test question paper

SBI Clerk

SBI – Clerk Recruitment Exam 2009
Quantitative Aptitude
Directions—(Q. 1–6) What should come in place of the question mark (?) in the following questions ?
1. 196 × 948 ÷ 158 = ?
(A) 1156
(B) 1200
(C) 1188
(D) 1176
(E) None of these
Ans : (D)
2. (786 × 64) ÷ 48 = ?
(A) 1050
(B) 1024
(C) 1048
(D) 1036
(E) None of these
Ans : (C)
3. 3·5 + 11·25 × 4·5 – 32·5 = ?
(A) 18·275
(B) 21·625
(C) 32·375
(D) 25·45
(E) None of these
Ans : (B)
4. (2640 ÷ 48) × (2240 ÷ 35) = ?
(A) 3520
(B) 3515
(C) 3495
(D) 3490
(E) None of these
Ans : (A)
5. 7414 + 3698 + 1257 + 1869 = ?
(A) 14328
(B) 14438
(C) 13428
(D) 13248
(E) None of these
Ans : (E)
6. (98360 + 25845 – 36540) ÷ 2500 = ?
(A) 36·585
(B) 30·082
(C) 32·085
(D) 35·066
(E) None of these
Ans : (D)
Directions—(Q. 7–11) What should come in place of the question mark (?) in the following number series ?
7. 1, 9, 25, 49, ?, 169
(A) 100
(B) 64
(C) 81
(D) 121
(E) None of these
Ans : (D)
8. 3, 23, 43, ?, 83, 103
(A) 33
(B) 53
(C) 63
(D) 73
(E) None of these
Ans : (C)
9. 748, 737, 715, 682, 638, ?
(A) 594
(B) 572
(C) 581
(D) 563
(E) None of these
Ans : (E)
10. 121, 117, 108, 92, 67, ?
(A) 31
(B) 29
(C) 41
(D) 37
(E) None of these
Ans : (A)
11. 50, 26, 14, ?, 5, 3·5
(A) 6
(B) 8
(C) 10
(D) 12
(E) None of these
Ans : (B)
12. The ratio of ducks and frogs in a pond is 37 : 39 respectively. The average number of ducks and frogs in the pond is 152. What is the number of frogs in the pond ?
(A) 148
(B) 152
(C) 156
(D) 144
(E) None of these
Ans : (C)
13. The number of employees in Companies A, B and C are in a rtio of 4 : 5 : 6 respectively. If the number of employees in the three Companies is increased by 25%, 30% and 50% respectively, what will be the new ratio of employees working in Companies A, B and C respectively ?
(A) 13 : 10 : 18
(B) 10 : 13 : 17
(C) 13 : 15 : 18
(D) Cannot be determined
(E) None of these
Ans : (E)
14. The average of five positive numbers is 213. The average of the first two numbers is 233·5 and the average of last two numbers is 271. What is the third number ?
(A) 64
(B) 56
(C) 106
(D) Cannot be determined
(E) None of these
Ans : (B)
15. Sonali invests 15% of her monthly salary in insurance policies. She spends 55% of her monthly salary in shopping and on household expenses. She saves the remaining amount of Rs. 12,750. What is Sonali’s monthly income ?
(A) Rs. 42,500
(B) Rs. 38,800
(C) Rs. 40,000
(D) Rs. 35,500
(E) None of these
Ans : (A)
16. In how many different ways can the letters of the word ‘ARISE’ be arranged ?
(A) 90
(B) 60
(C) 180
(D) 120
(E) None of these
Ans : (D)
17. What approximate amount of compound interest can be obtaied on an amount of Rs. 9650 at the rate of 6 p.c.p.a. at the end of 3 years ?
(A) Rs. 1737
(B) Rs. 1920
(C) Rs. 1720
(D) Rs. 1860
(E) Rs. 1843
Ans : (E)
18. A milkman sells 120 litres of milk for Rs. 3360 and he sells 240 litres of milk for Rs. 6120. How much concession does the trader give per litre of milk, when he sells 240 litres of milk ?
(A) Rs. 2
(B) Rs. 3·5
(C) Rs. 2·5
(D) Rs. 1·5
(E) None of these
Ans : (C)
19. When 3626 is divided by the square of a number and the answer so obtained is multiplied by 32, the final answer obtained is 2368. What is the number ?
(A) 7
(B) 36
(C) 49
(D) 6
(E) None of these
Ans : (A)
20. The sum of the two digits of a two digit number is 14. The difference between the first digit and the second digit of the two digit number is 2. What is the product of the two digits of the two digit number ?
(A) 56
(B) 48
(C) 45
(D) Cannot be determined
(E) None of these
Ans : (B)
21. A car runs at the speed of 50 kms per hour when not serviced and runs at 60 kms/hr. when serviced. After servicing the car covers a certain distance in 6 hours. How much time will the car take to cover the same distance when not serviced ?
(A) 8·2 hours
(B) 6·5 hours
(C) 8 hours
(D) 7·2 hours
(E) None of these
Ans : (D)
Directions—(Q. 22–24) What approximate value should come in place of the question mark (?) in the following questions ?
(You are not expected to calculate the exact value.)
22. (4863 + 1174 + 2829) ÷ 756 = ?
(A) 18
(B) 16
(C) 12
(D) 9
(E) 22
Ans : (C)
23. 37·35 + 13·064 × 3·46 = ?
(A) 89
(B) 83
(C) 76
(D) 79
(E) 85
Ans : (B)
24. 54 × 746 ÷ 32 = ?
(A) 1259
(B) 1268
(C) 1196
(D) 1248
(E) 1236
Ans : (A)

kerala psc model question papers, IBPS bank test question paper

SBI Clerk

SBI – Clerk Reasoning Exam 2009
Reasoning
1. If it is possible to make only one meaningful word with the Third, Seventh, Eighth and Tenth letters of the word COMPATIBILITY, which of the following would be the last letter of that word ? If no such word can be made, give ‘X’ as your answer and if more than one such word can be formed, give your answer as ‘Y’.
(A) I
(B) B
(C) L
(D) X
(E) Y
Ans : (B)
2. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ?
(A) Stem
(B) Tree
(C) Root
(D) Branch
(E) Leaf
Ans : (B)
3. How many meaningful three letter English words can be formed with the letters AER, using each letter only once in each word ?
(A) None
(B) One
(C) Two
(D) Three
(E) Four
Ans : (D)
4. In a certain code FINE is written HGPC.
How is SLIT written in that code ?
(A) UTGR
(B) UTKR
(C) TUGR
(D) RUGT
(E) None of these
Ans : (E)
5. If ‘Apple’ is called ‘Orange’, ‘Orange’ is called ‘Peach’, ‘Peach’ is called ‘Potato’, ‘Potato’ is called ‘Banana’, ‘Banana’ is called ‘Papaya’ and ‘Papaya’ is called ‘Guava’, which of the following grows underground ?
(A) Potato
(B) Guava
(C) Apple
(D) Banana
(E) None of these
Ans : (D)
6. If the digits in the number 86435192 are arranged in ascending order, what will be the difference between the digits which are second from the right and fourth from the left in the new arrangement ?
(A) One
(B) Two
(C) Three
(D) Four
(E) None
Ans : (D)
7. Each vowel of the word ADJECTIVE is substituted with the next letter of the English alphabetical series, and each consonant is substituted with the letter preceding it. How many vowels are present in the new arrangement ?
(A) None
(B) One
(C) Two
(D) Three
(E) None of these
Ans : (C)
8. If in a certain language LATE is coded as 8&4$ and HIRE is coded as 7*3$ then how will HAIL be coded in the same language ?
(A) 7&8*
(B) &7*8
(C) 7*&8
(D) 7&*8
(E) None of these
Ans : (D)
9. How many such pairs of letters are there in word ENGLISH, each of which has as many letters between its two letters as there are between them in the English alphabets ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
Ans : (E)
10. In a certain code ‘na pa ka so’ means ‘birds fly very high’, ‘ri so la pa’ means ‘birds are very beautiful’ and ‘ti me ka bo’ means ‘the parrots could fly’. Which of the following is the code for ‘high’ in that language ?
(A) na
(B) ka
(C) bo
(D) so
(E) None of these
Ans : (A)
Directions—(Q. 11–15) In each of the questions below are given three statements followed by two conclusions numbered I and II. You have to take the given statements to be true even if they seem to be at variance from commonly known facts. Read both the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts.
Read the statements and the conclusions which follow it and
Give answer—
(A) if only conclusion I is true.
(B) if only conclusion II is true.
(C) if either conclusion I or conclusion II is true.
(D) if neither conclusion I nor conclusion II is true
(E) if both conclusions I and II are true.
11. Statements : All stars are suns.
Some suns are planets.
All planets are satellites.
Conclusions :
I. Some satellites are stars.
II. No star is a satellite.
Ans : (C)
12. Statements : All fishes are birds.
All birds are rats.
All rats are cows.
Conclusions :
I. All birds are cows
II. All rats are fishes
Ans : (A)
13. Statements : All curtains are rods.
Some rods are sheets.
Some sheets are pillows.
Conclusions :
I. Some pillows are rods.
II. Some rods are curtains.
Ans : (B)
14. Statements : Some walls are windows.
Some windows are doors.
All doors are roofs.
Conclusions :
I. Some doors are walls.
II. No roof is a window.
Ans : (D)
15. Statements : All switches are plugs.
Some plugs are bulbs.
All bulbs are sockets.
Conclusions :
I. Some sockets are plugs.
II. Some plugs are switches.
Ans : (E)
Directions—(Q. 16–20) Study the sets of numbers given below and answer the questions, which follow :
489 – 541 – 654 – 953 – 983
16. If in each number, the first and the last digits are interchanged, which of the following will be the second highest number ?
(A) 489
(B) 541
(C) 654
(D) 953
(E) 783
Ans : (C)
17. If in each number, all the three digits are arranged in ascending order, which of the following will be the lowest number ?
(A) 489
(B) 541
(C) 654
(D) 953
(E) 783
Ans : (B)
18. Which of the following numbers will be obtained if the first digit of lowest number is subtracted from the second digit of highest number after adding one to each of the numbers ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (A)
19. If five is subtracted from each of the numbers, which of the following numbers will be the difference between the second digit of second highest number and the second digit of the highest number ?
(A) Zero
(B) 3
(C) 1
(D) 4
(E) 2
Ans : (B)
20. If in each number the first and the second digits are interchanged, which will be the third highest number ?
(A) 489
(B) 541
(C) 654
(D) 953
(E) 783
Ans : (D)
Directions—(Q. 21–25) Read the following information carefully and answer the questions, which follow :
‘A – B’ means ‘A is father of B’
‘A + B’ means ‘A is daughter of B’
‘A ÷ B’ means ‘A is son of B’
‘A × B’ means ‘A is wife of B’
21. Which of the following means P is grandson of S ?
(A) P + Q – S
(B) P ÷ Q × S
(C) P ÷ Q + S
(D) P × Q ÷ S
(E) None of these
Ans : (C)
22. How is P related to T in the expression ‘P + S – T’ ?
(A) Sister
(B) Wife
(C) Son
(D) Daughter
(E) None of these
Ans : (A)
23. In the expression ‘P + Q × T’ how is T related to P ?
(A) Mother
(B) Father
(C) Son
(D) Brother
(E) None of these
Ans : (B)
24. Which of the following means T is wife of P ?
(A) P × S ÷ T
(B) P ÷ S × T
(C) P – S ÷ T
(D) P + T ÷ S
(E) None of these
Ans : (E)
25. In the expression ‘P × Q – T’ how is T related to P ?
(A) Daughter
(B) Sister
(C) Mother
(D) Can’t be determined
(E) None of these
Ans : (D)
Directions—(Q. 26–30) In each of these questions a group of letters is given followed by four combinations of number/symbol lettered (A), (B), (C) & (D). Letters are to be coded as per the scheme and conditions given below. You have to find out the serial letter of the combination, which represents the letter group. Serial letter of that combination is your answer. If none of the combinations is correct, your answer is (E) i.e. None of these :
Letters# Q M S I N G D K A L P R B J E
Number/ Symbol# 7 @ 4 # % $ 6 1 2 £ 5 * 9 8 3
Conditions :
(i) If the first letter is a consonant and the last a vowel, both are to be coded as the code of the vowel.
(ii) If the first letter is a vowel and the last a consonant, the codes for the first and the last are to be interchanged.
(iii) If no vowel is present in the group of letters, the second and the fifth letters are to be coded as ©.
26. BKGQJN
(A) 9©$7©%
(B) ©9$7%©
(C) 91$78%
(D) %1$789
(E) None of these
Ans : (A)
27. IJBRLG
(A) #89*£$
(B) #89*£#
(C) $89*£#
(D) $89*£$
(E) None of these
Ans : (C)
28. BARNIS
(A) 92*#%4
(B) 924#*%
(C) 92*#%9
(D) 42*#%4
(E) None of these
Ans : (E)
29. EGAKRL
(A) #£$21*
(B) £$21*3
(C) £$21*#
(D) #£$21#
(E) None of these
Ans : (B)
30. DMBNIA
(A) 6@9%#2
(B) 2@9%#6
(C) 2@9%#2
(D) 2©9%#2
(E) None of these
Ans : (C)
Directions—(Q. 31–35) Study the following information carefully to answer these questions.
Eight persons A, B, C, D, E, F, G and H work for three different companies namely X, Y and Z. Not more than three persons work for a company. There are only two ladies in the group who have different specializations and work for different companies. Of the group of friends, two have specialization in each HR, Finance and Marketing. One member is an engineer and one is a doctor. H is an HR specialist and works with a Marketing specialist B who does not work for company Y. C is an engineer and his sister works in company Z. D is a specialist in HR working in company X while her friend G is a finance specialist and works for company Z. No two persons having the same specialization work together. Marketing specialist F works for company Y and his friend A who is a Finance expert works for company X in which only two specialists work. No lady is a marketing specialist or a doctor.
31. For which of the following companies does C work ?
(A) Y
(B) X
(C) Z
(D) Data inadequate
(E) None of these
Ans : (A)
32. Which of the following represents the pair working in the same company ?
(A) D and C
(B) A and B
(C) A and E
(D) H and F
(E) None of these
Ans : (E)
33. Which of the following combination is correct ?
(A) C–Z-Engineer
(B) E–X–Doctor
(C) H–X–HR
(D) C–Y–Engineer
(E) None of these
Ans : (D)
34. Who amongst the friends is a doctor ?
(A) H
(B) E
(C) C
(D) Either E or C
(E) None of these
Ans : (B)
35. Which of the following pairs represents the two ladies in the group ?
(A) A and D
(B) B and D
(C) D and G
(D) Data inadequate
(E) None of these
Ans : (C)
Directions—(Q. 36–40) In each of the questions given below which one of the five answer figures on the right should come after the problem figures on the left, if the sequence were continued ?
Ans : 36. (C) 37. (E) 38. (D) 39. (A) 40. (D)

kerala psc model question papers, IBPS bank test question paper

Syndicate Bank Specialist Officers

Syndicate Bank Specialist Officers Exam, 2010 Solved Paper
Syndicate Bank Specialist Officers Exam., 2010
(Held on 23-5-2010)
General Awareness
1. In one of his speeches Pranab Mukherjee said that the Govt. had no plans to dilute the roles of market regulators. This means the role of which of the following will not be diluted ?
(A) Life Insurance Corporation of India (LIC)
(B) Confederation of Indian Industry (CII)
(C) Federation of Chamber of Commerce & Industry (FICCI)
(D) Bureau of Indian Standards
(E) Securities & Exchange Board of India (SEBI)
Ans : (E)
2. What is the full form of ‘ULIP’, the term which was in the news recently ?
(A) Universal Life & Investment Plan
(B) Unit Loan & Insurance Plan
(C) Universal Loan & Investment Plan
(D) Uniformly Loaded Investment Plan
(E) Unit Linked Insurance Plan
Ans : (E)
3. As per the news published in some major financial newspapers the Maharashtra Govt. is planning to introduce ‘Green Tax’ on vehicles. What is the purpose of Green Tax ?
(A) It has been introduced with the aim of discouraging high consumption of petroleum products
(B) It is a tax levied by the Govt. in place of VAT as VAT is not very profitable for State Govts.
(C) It is just like a toll tax which will be charged from all the vehicles whenever they enter green areas of a city like hospitals, schools, and old age homes
(D) This is a tax levied on big commercial vehicles only with the aim of prohibiting them from entering residential areas and non commercial areas
(E) None of these
Ans : (E)
4. Very often we read in newspapers about 3G or 3rd Generation technology. This is a set of standards used by which of the following ?
(A) To combat climatic changes
(B) Production of Nuclear Energy
(C) Film Production
(D) Mobile Telecommunications
(E) All of these
Ans : (D)
5. Which of the following companies is not in the field of insurance business ?
(A) ICICI Prudential
(B) Bajaj Allianz
(C) Tata AIG
(D) AEGON Religare
(E) Royal Orchid
Ans : (E)
6. Many times we read that a corporate entity is in the process of raising its capital base. Why is a company required to raise money to strengthen its capital base ?
1. To finance its expansion plans
2. To finance its diversification plans
3. To repay its loans and borrowings
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 2
(E) All 1, 2 and 3
Ans : (A)
7. Many times we read in newspapers that a company is planning to bring public issue. What does it mean ?
1. Shares of the company will be issued only through public sector organizations like banks/central financial institutions etc.
2. Shares of the company will be issued to general public only through primary market.
3. This means some stakeholders/promoters are willing to leave the company.
Hence, they wish to sell their stock to the general public.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (B)
8. Whenever some people wish to enter into business world, it is a must for them to approach a bank. What services do banks provide them in this regard ?
1. Banks act as payment agents by operating current accounts, paying cheques and receiving payments for them.
2. Maintaining account books for them for their day to day activities so that they are not required to appoint account/finance personnel on a regular basis.
3. Lending money by way of overdraft installment loan, credit or advance for business activities.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 3
(E) None of these
Ans : (C)
9. As we all have noticed banks these days are giving more emphasis on ‘Branch less Banking’. What does this really means ?
1. Banks will not have many branches as used to be in the good old days. Instead the number of branches will be restricted and will conduct only a specified core business.
2. Banks will launch/operate many delivery channels like ATMs, Mobile Banking/Internet Banking etc. so that people are not required to visit a branch for their usual banking needs.
3. This means banks will issue only debit or credit cards for all types of day to day financial transactions.
Cheques/cash payments will not be allowed.
(A) Only 1
(B) Only 2
(C) Only 1 and 2
(D) Only 2 and 3
(E) All 1, 2 and 3
Ans : (D)
10. As per the news published in various financial newspapers Maruti Suzuki has no immediate plans to enter into ‘low cost segment’. This means—
1. Maruti-Suzuki will not reduce the price of its various products, as is being done by some other manufacturers.
2. Maruti-Suzuki does not want to produce a ‘Nano’ like low cost car in the near future.
3. Maruti-Suzuki wants to retain its existing position of luxury car makers and will not enter into the area of makers of cars for the general public.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (B)
11. Which of the following is not a function of a bank ?
(A) Providing project finance
(B) Selling Mutual Funds
(C) Deciding policy rates like CRR, Repo Rates/SLR etc.
(D) Settlement of payments on behalf of the customers
(E) All of these are functions of a bank
Ans : (C)
12. Which of the following is a form of ‘Small Savings Bank’ popular among the poor or children ?
(A) Core Banking
(B) Credit Banking
(C) Debit Card
(D) Merchant Banking
(E) Piggy Banking
Ans : (E)
13. As published in various newspapers India and European Union are trying to finalize a free trade pact. How will this helps India and EU ?
1. Both the parties will be able to export-import goods without tariffs, quotas and preferences on most of the goods and services traded between them.
2. The European Union will have to accept all payments in rupees only whereas India will accept all payments for its exports in Euro only. The Dollar will have no role in this business.
3. Both parties will have to decide the total value of trade between them in advance and will be bound to obey the commitment made thus.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (A)
14. The G-20 Summit in June 2010 is scheduled to be held at which of the following places ?
(A) London
(B) Washington
(C) Tokyo
(D) Paris
(E) Toronto
Ans : (E)
15. As we all know the Govt. of India has initiated several projects/schemes for revival and recharging of water bodies/lakes etc. What is meant by recharging of water bodies ?
1. Recharge in fact is deep drainage of water bodies so that water starts moving downwards from the surface.
2. Recharge is nothing but digging new wells and lakes so that more water is available for use.
3. Recharging means levy of a tax on use of ground water for private purposes. This is done in addition to the usual tax that civic bodies collect on the usual water supply.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (B)
16. As per the news published in various newspapers China had to face its first ‘Trade Deficit’ in six years. This means China—
(A) did not earn as much from its exports as it had to pay for its imports
(B) earn much more than its expectations on its exports and paid very less on imports
(C) has decided to stop imports and exports for the time being as it is producing just enough for tis consumption
(D) has failed to keep its commitment to supply (export) goods as promised to various countries. The result is it may have to devalue its currency (Yuan) as it has lost its credibility in the market
(E) None of these
Ans : (A)
17. Several Public Sector organizat ons like ONGC, SAIL and NTPC received ‘Scope Award.’ The award is given for which of the following ?
(A) Earning the highet profit amongst all PSUs
(B) For creating the maximum number of jobs in a year
(C) For donating the maximum amount in Pradhan Mantri Rahat Kosh in a year
(D) For cutting down expenditure by 50% or more in a year to wipe out losses made in the previous year
(E) Best Corporate Governance
Ans : (E)
18. Iron Ore is found in which of the following states in India ?
(A) Punjab
(B) Rajasthan
(C) Orissa
(D) Jammu & Kashmir
(E) Uttar Pradesh
Ans : (C)
19. Which of the following countries is in a deep crisis these days and is struggling to finance its budget deficit and govt. debt ?
(A) Russia
(B) Greece
(C) Britain
(D) USA
(E) None of these
Ans : (B)
20. As per the budget documents placed in the Parliament in February 2010, what are the challenges India is facing on its economic front ?
1. To quickly revert to the high GDP growth path of 9%.
2. Making development more inclusive.
3. To strengthen the governmental system and the process of governance at different levels.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (D)
21. Prabha Rao was the Governor of which of the following States immediately prior to her death ?
(A) Rajasthan
(B) Himachal Pradesh
(C) Maharashtra
(D) Goa
(E) None of these
Ans : (A)
22. Who amongst the following is not a famous Lawn Tennis player ?
(A) Cara Black
(B) Mike Bryan
(C) Denis Ndiso
(D) Serena Williams
(E) Leander Paes
Ans : (C)
23. Dr. K. Radhakrishnan whose name was in the news recently is the Chariman of—
(A) Indian Space Research Organisation
(B) Atomic Energy Commission
(C) Department of Information Technology
(D) Unique Identification Authority of India
(E) None of these
Ans : (A)
24. Which of the following awards is given by the Govt. of Madhya Pradesh ?
(A) Shanti Swarup Bhatnagar Award
(B) Jawaharlal Nehru Award
(C) Shikhar Samman
(D) Pravasi Bhartiya Samman
(E) None of these
Ans : (C)
25. Which of the following terms is not used in Cricket ?
(A) Ashes
(B) Backfoot shot
(C) Smash
(D) Crease
(E) All are used in cricket
Ans : (C)
26. Which of the following cups/trophies is not given for excellence in the game of Badminton ?
(A) Uber Cup
(B) Thomas Cup
(C) Syed Modi Memorial Trophy
(D) Aros Junior Cup
(E) Merdeka Cup
Ans : (E)
27. The Ministerial level meeting of the BASIC Group of countries was held in New Delhi in January 2010. Which of the following is not a member of the BASIC Group ?
(A) Brazil
(B) South Africa
(C) Russia
(D) China
(E) India
Ans : (C)
28. Which of the following Bills recently approved in the Union Cabinet will help in better health services in the country ?
(A) Right to Better Health Services Bill
(B) National Health Care Bill
(C) Clinical Establishments (Registration & Regulation) Bill
(D) Essential Services Bill
(E) None of these
Ans : (C)
29. Who amongst the following is a Padmashri Award Winner given away recently ?
(A) Chanda Kochhar
(B) Kumar Mangalam Birla
(C) Saif Ali Khan
(D) Harsh Pati Singhania
(E) None of these
Ans : (C)
30. Who amongst the following is not a famous author ?
(A) V. S. Naipual
(B) Leander Paes
(C) Anita Desai
(D) Kiran Desai
(E) Chetan Bhagat
Ans : (B)
31. Ivo Josipovic whose name was in news recently is the—
(A) Prime Minister of Croatia
(B) President of Croatia
(C) President of Barbados
(D) Prime Minister of Bolivia
(E) None of these
Ans : (B)
32. Priyanka Chopra was given a National Award at the 56th National Awards for her acting for which of the following films ?
(A) Love Story 2050
(B) What’s your Rashee
(C) Kaminey
(D) Fashion
(E) None of these
Ans : (D)
33. Roger Federer is a famous—
(A) Film actor
(B) Author
(C) Lawn Tennis Player
(D) Cricketer
(E) None of these
Ans : (C)
34. Who amongst the following was awarded the prestigious Dada Saheb Phalke Award recently ?
(A) V. K. Moorthy
(B) Madhur Bhandarkar
(C) Mahesh Bhatt
(D) Rekha
(E) Hema Malini
Ans : (A)
35. Lee Myung-bak who was the Chief Guest at 61st Republic Day Function of India is the—
(A) President of South Korea
(B) Prime Minister of South Korea
(C) President of Vietnam
(D) Prime Minister of Vietnam
(E) None of these
Ans : (A)
36. The Late Jyoti Basu was associated with which of the following political parties ?
(A) BJP
(B) CPI (M)
(C) Congress
(D) Samajwadi Party
(E) None of these
Ans : (B)
37. Which of the following schemes launched by the Govt. of India is a scheme to improve the performance of the agricultural sector ?
(A) National Horticulture Mission
(B) Pulse Polio Abhiyan
(C) Old Age Pension Scheme
(D) Bharat Nirman Yojana
(E) None of these
Ans : (A)
38. ‘LBW’ is a term related to the game of—
(A) Badminton
(B) Cricket
(C) Hockey
(D) Football
(E) None of these
Ans : (B)
39. ‘Saraswati Samman’ is an award given for excellence in the field of—
(A) Sports
(B) Social Service
(C) Literature
(D) Science & Technology
(E) None of these
Ans : (C)
40. ‘Heavy Water’ is used in which of the following fields ?
(A) Thermal Power
(B) Cement
(C) Iron & Steel
(D) Nuclear Power
(E) None of these
Ans : (D)
41. Which of the following is a Horticulture Crop ?
(A) Paddy
(B) Wheat
(C) Mango
(D) Bajara
(E) None of these
Ans : (C)
42. Dr. Amartya Sen is a famous—
(A) Physicist
(B) Chemical Engineer
(C) Psychologist
(D) Economist
(E) None of these
Ans : (D)
43. Which of the following nations is considered the originator of the concept of Micro Finance ?
(A) India
(B) Bangladesh
(C) South Africa
(D) USA
(E) None of these
Ans : (B)
44. India’s first transgenic Crop was—
(A) Potato
(B) Brinjal
(C) Sugarcane
(D) Bt. cotton
(E) None of these
Ans : (D)
45. ‘White Tiger’ is a book written by—
(A) R. K. Narayanan
(B) Shobha De
(C) Khushwant Singh
(D) Arundhati Roy
(E) Aravind Adiga
Ans : (E)
46. Shanti Swarup Bhatnagar Award is given for excellence in the field of—
(A) Literature
(B) Music
(C) Sports
(D) Science & Technology
(E) None of these
Ans : (D)
47. Usain Bolt is a famous—
(A) Cricket player
(B) Athlete
(C) Badminton Player
(D) Footballer
(E) None of these
Ans : (B)
48. Govt. normally does not announce the Minimum Support Price (MSP) of—
(A) Wheat
(B) Paddy
(C) Sugarcane
(D) Jute
(E) All of these
Ans : (D)
49. At present Dr. D. Subba Rao is the—
(A) Governor of Orissa
(B) Deputy Chairman of the Planning Commission
(C) Chairman of the FICCI
(D) India’s Representative in IMF
(E) None of these
Ans : (E)
50. Banks borrow money from the RBI on which of the following rates ?
(A) Bank rate
(B) CRR
(C) SLR
(D) Reverse Repo Rate
(E) Repo Rate
Ans : (E)

kerala psc model question papers, IBPS bank test question paper

Baroda Rajasthan: Probationary officer

General English : Solved Paper

Directions–(Q. 1 to 10) In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which fits the blank appropriately. Find out the appropriate word/phrase in each case.
The chasm between India’s flourishing cities and bleak rural hinterland is narrowing. Spread across 650,000 villages, with an average population of l,100, rural villagers were long …(1)… by city dwellers as primitive, impoverished and irrelevant, something to drive past on the way to something else. That is no longer the …(2) … Anew prosperity is …(3)… in rural India, with tens of millions entering the pressure-cooker-and-tele-vision-owning class and tens of thousands becoming sippers of Scotch, …(4)… of premium tractors and drivers of multiple sedans.
The opening of this new frontier of consumer demand from 700 million people could tip India’s role in the global economy from seller to buyer, from a vendor of outsourced skills to a source of consumers for the world’s …(5)….Mulinational corporations, appear increasingly …(6)… to understand Indian villagers. Rural dwellers are now nearly twice as likely to be crorepatis as city dwellers in Bangalore, the high-technology hub, according to the National Council for Applied Economic Research. It may be a trickle, but India’s urban prosperity is flowing to the countryside and well-to-do villages are early testing grounds of …(7)… the benefits of India’s economic makeover and opening to the world will flow to its villagers, many of them living in its poorest rural nooks. The …(8)… of such villages will also add fuel to the debate over democracy’s influence on economic development. India has been faulted for growing more lethargically than China, in part because of its democracy. But the new rural prosperity …(9)… that the high cost democracy also has a hidden benefit. By compelling each politician to …(10)… results to his own narrow constituency, democracy spreads economic change more thinly. But that in turn broadens the consensus in favour of change, perhaps making liberalization more sustainable in India than in China.
1. (A) wished
(B) awaited
(C) imagined
(D) abolished
(E) drawn
Ans : (C)
2. (A) question
(B) case
(C) feature
(D) issue
(E) views
Ans : (B)
3. (A) emerged
(B) visual
(C) associating
(D) sprouting
(E) instilling
Ans : (D)
4. (A) sellers
(B) owners
(C) makers
(D) marketers
(E) hirers
Ans : (B)
5. (A) price
(B) wares
(C) stuff
(D) commodity
(E) today
Ans : (E)
6. (A) aware
(B) disinterested
(C) keen
(D) intend
(E) tough
Ans : (C)
7. (A) really
(B) about
(C) since
(D) if
(E) whether
Ans : (A)
8. (A) transformation
(B) propensity
(C) downfall
(D) revolution
(E) decrease
Ans : (D)
9. (A) suggests
(B) narrates
(C) says
(D) show
(E) remarks
Ans : (E)
10. (A) derive
(B) distribute
(C) give
(D) seek
(E) deliver
Ans : (A)
Directions–(Q. 11 to 15) Which of the phrases (A), (B), (C) and (D) given below each sentence should replace the word/phrase printed in bold in the sentence to make it grammatically correct ? If the sentence is correct as it is given and no correction is required, mark (E) as the answer.
11. NA8ARD has the responsibility of lay down the policies for the RRBs, to oversee their operations, provide refinance facilities, to monitor their performance and to attend their problems.
(A) to laid down
(B) of laying down
(C) on lays down
(D) for lay downs
(E) No correction required
Ans : (B)
12. Groundwater and surface water are traditionally concerned of rural communities, as those communities are almost exclusively served by well water.
(A) a tradition of concern
(B) traditions of concerning
(C) traditionally concerns
(D) tradition for concerned
(E) No correction required
Ans : (E)
13. The very publicised mid day meal scheme meant to reduce dropout rates in schools seems to be not yielding the desired results.
(A) much publicised
(B) many publicity
(C) too public
(D) little publicity of
(E) No correction required
Ans : (A)
14. No like the urban schools and colleges, the schools in rural areas do not encourage the children to excel in extra-curricular activities.
(A) Similarly to
(B) Inspite of
(C) Unlike
(D) Despite
(E) No correction required
Ans : (C)
15. The government said that the iron levels in groundwater were higher than that prescribe in 254 districts.
(A) then those prescribe
(B) then that prescribed
(C) prescription
(D) than those prescribed
(E) No correction required
Ans : (D)
Directions–(Q. 16 to 20) Rearrange the following five sentences (1), (2), (3), (4) and (5) in the proper sequence to form a meaningful paragraph; then answer the questions given below them—
(1) Therefore, it is important to source a large part of economic growth in agriculture, in rural non-agricultural activities and in productive expansion of the informal sector which all have high employment elasticities, as well as in an export strategy based on labour intensive exports.
(2) It is important because it creates more resources and has the potential of creating more space for the involvement of the poor.
(3) If the growth is sourced upon those sectors of the economy or those activities that have a natural tendency to involve the poor in their expansion, such growth helps poverty eradication.
(4) Economic growth is important.
(5) But this involvement depends on the sources of growth and the nature of growth.
16. Which of the following should be the FIRST sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (D)
17. Which of the following should be the SECOND sentence after rearrangement ?
(A) 5
(B) 4
(C) 3
(D) 2
(E) 1
Ans : (D)
18. Which of the following should be the THIRD sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (E)
19. Which of the following should be the FOURTH sentence after rearrangement ?
(A) 5
(6) 4
(C) 3
(D) 2
(E) 1
Ans : (C)
20. Which of the following should be the FIFTH sentence after rearrangement ?
(A) 1
(6) 2
(C) 3
(D) 4
(E) 5
Ans : (A)
Directions–(Q. 21 to 25) Each question below has two blanks, each blank indicating that something has been omitted. Choose the set of words for each blank which best fits the meaning of the sentence as a whole.
21. A model-based approach has been …………….to identify the factors that are …………….for the problems faced by the rural areas.
(A) pursued, guilty
(B) placed, accountable
(C) approved, made
(D) identified, liable
(E) adopted,. Responsible
Ans : (E)
22. Farm living is dependent on …………….environmental conditions, and in times of drought, flood or pestilence, survival becomes extremely …………….
(A) irregular, simple
(B) sedentary, dangerous
(C) erratic, easy
(D) unpredictable, problematic
(E) impulsive, tough
Ans : (D)
23. It is also a …………….of industrialization that farms become more mechanized, putting many labourers out of …………….
(A) result, work
(B) point, city
(C) idea, labour
(D) consequence, bounds
(E) cause, employment
Ans : (A)
24. since their inception, regional rural banks (RRBs) have taken …………….roots and have become a sort of. …………….part of the rural credit structure in India.
(A) many, frivolous
(B) to, vital
(C) several, small
(D) all, essential
(E) deep, inseparable
Ans : (E)
25. Any new proposal in the education sector should …………….the chances for the rural poor to have a …………….education at par with their urban counter parts in their villages themselves.
(A) increase, well
(B) improve, good
(C) search, standard
(D) glorify, better
(E) lessen, regular
Ans : (B)
Directions–(Q. 26 to 35) Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E) i. e. ‘No error’. (Ignore the errors of punctuation, if any.)
26. Neither the opera singers or (A) the general public had seen as (B) much glitter (C) in years as they did during Turandot, the finale (D) of the opera season. No error (E)
Ans : (A)
27. His story about the strange beings (A) in a space ship was so (B) incredulous (C) that (D) no one believed him. No error (E)
Ans : (C)
28. The hot air ballon had burst as they were preparing (A) for launch, (B) and the platform had broke (C) as a result. (D) No error (E)
Ans : (C)
29. I fail to understand (A) why (B) you are seeking my council (C) after the way you ignored (D) my advice last week. No error (E)
Ans : (C)
30. Ann Landers, whose (A) name is a household word to millions of (B) readers, are (C) well-known (D) for family advice. No error (E)
Ans : (C)
31. Between you and I, (A) the highway department must review bridge construction across the country (B) in order to (C) avoid major catastrophes resulting from (D) mental fatigue. No error (E)
Ans : (A)
32. Child custody in surrogate mother cases is just one of the many (A) controversial issues which (B) are (C) currently being decided upon (D) in the courts. No error (E)
Ans : (D)
33. John usually eats a quick lunch, ignoring (A) the question of whether (B) what (C) he eats is healthy or (D) not. No error (E)
Ans : (E)
34. If (A) you continue to drive so recklessly, (B) you are likely (C) to have a serious accident in the very (D) near future. No error (E)
Ans : (E)
35. The general along with (A) the members of his general staff (B) seem (C) to favour immediate retaliation (D) at this time. No error (E)
Ans : (C)
Directions–(Q. 36 to 43) Read the passage carefully and answers the questions correctly.
This is a time when the demography of our population is changing significantly to drive organized retail growth. India now has a large young working population with a median age of 24. The number of nuclear families in urban areas is growing fast. Then there is the increase in working women population. Add to these the emerging opportunities in the service sector. Lifestyle habits are shifting from austerity to complete self-indulgence and Indians are now unapologetic about spending lavishly on non-essential goods such as luxury watches, cars, and hi-tech products.
India can be said to have entered the second phase of retail growth when there is high-speed growth. There are retail chains along with global players which are trying to tap the country’s vast potential. Bringing all these under one roof are mega malls. Now, top names in inter-national malls are also eyeing the Indian market. It is only later that the retailing scene will move to the other phases when the fruits of rapid growth will result in economies of scale and greater efficiency leading finally to consolidation through mergers and acquistions. Thus, retailing in India has a very long haul ahead.
In India for a long time a large chunk of retail outlets were grocery shops. This pattern had been changing in recent years, in urban and rural markets. Of late, India’s largely rural population has also caught the eye of retailers looking for new areas of growth. A slew of supermarket chains are set to storm the rural areas of the country as corporates realize the huge potential of the untapped market. A well-known brand launched the country’s first rural mall, offering a diverse product range from FMCG to electronic appliances to automobiles, attempting to provide farmers a one-stop destination for all of their needs. Other companies are launching ‘one-stop shops’ for farmers and their communities too.
As clear from the story of some of the companies already established, organized retail sector can bring a revolutionary change in rural India unless it goes for quick short-term gains. With Walmart famous for its ‘Always Low Prices’ coming to India, Indian farmers and rural craftsmen can hope for a better direct deal. Retailing does not benefit just the consumer. It can give huge benefits to other industries, to government, and to the entire economy.
The rural market is no longer a non-player in the retail game. It is now accounting for about one-third of the market for most durable and non-durable products. Even manufacturers are developing new products with the rural consumer in mind besides using village-oriented marketing strategies for brand promotions. Whether it is an actress promoting a chocolate of a cricketer wowing village lads with a soft drink, both ad makers as well as top company honchos know where to put their money and how. The rural market is no longer of hypothetical empirical value but is well researched and reached by most companies looking to tap India’s vast and abundant bounty.
The Indian retail scenario is poised for a quantum leap. Not only are newer names set to dot the retail landscape but also new and emerging retail formats will drive the diversity of the fast-changing retail backdrop. Organized Retail means ‘Big Stores’ a common myth. ..nothing can be further from the truth. In its very essence, organized retailing is about “aggregating value” and what shape, size and configuration your customer facing entity takes is largely a function of your offer and proposition. A growing population, a young workforce and zooming consumer confidence will fuel the expansion of the retail sector. As organized retail in rural India awaits the arrival of known companies, current majors are expanding their retail operations by setting up more stores, entering new states and offering newer product categories. A shift from selling agri-inputs will help these stores target the non-farming segments. It is a little known fact that, while 25% of the rural population is not engaged in agriculture, it earns 50% of the rural income. The retail
market is the next growth frontier for corporate India. It offers an opportunity for a large player to build a Rs. 40,000 cr retail business spanning multiple categories by 2015 (at current prices). However, to capitalize on the opportunity, a player needs to be aggressive in his outlook and build scale quickly.
36. What according to the author is ‘Organized Retailing’ ?
(A) Setting up a number of stores in a short span of time in order to achieve visibility
(B) Selling the same products under different names
(C) Assigning a higher value to all products so that a greater margin of profit is attained in a shorter span of time
(D) Adapting one’s strategy of selling or making products according to customer needs and demands
(E) Building bigger stores to attract more number of people
Ans : (D)
37. What according to the author, is not well known ?
(A) Encouraging the retail industries to set up stores in the rural areas will lead to disaster
(B) Half of the income in rural areas comes from people engaged in non-agricultural activities
(C) People in the rural areas are unwilling to spend on products other than those related to
agriculture
(D) People in the rural areas have a very limited spending capacity because of low incomes
(E) Rural areas have a high potential for success of retail industries
Ans : (B)
38. Which of the following, according to the author, is/are the reason/s for the change in the spending habits of Indians ?
(1) Increase in the number of youngsters securing jobs
(2) Increase in the number of employed women
(3) Increase in the number of nuclear families
(A) Only (1)
(B) Only (1) and (3)
(C) Only (3)
(D) Only (1) and (2)
(E) All (1), (2) and (3)
Ans : (E)
39. Which of the following can aptly replace the phrase ‘caught the eye of’ as used in the passage ?
(A) made a demand for
(B) been painful to
(C) been noticed by
(D) paid attention to
(E) sought approval of
Ans : (C)
40. Which of the following is possibly the most appropriate title for the passage ?
(A) Retail Industry – The Way Ahead For Farmers
(B) Retail Industry – Growth Opportunities
(C) Walmart and the Retail Industry
(D) Challenges faced by the Retail Industry
(E) The History of Retail Industry
Ans : (B)
41. Which of the following is true about rural market, as given in the passage ?
(1) Product are being designed to suit rural requirements.
(2) Companies are taking into account rural settings while conceptualizing advertisements.
(3) It forms around 33 per cent of the consumers of most retail products.
(A) Only (1) and (3)
(B) Only (1) and (2)
(C) Only (1)
(D) Only (2) and (3)
(E) All (1), (2) and (3)
Ans : (E)
42. Which of the following is true about Walmart, as given in the passage ?
(1) Walmart achieved a fair amount of success in smaller towns of the US.
(2) Walmart has presence in all the countries.
(3) Goods sold at Walmart are priced low.
(A) Only (1) and (3)
(B) Only (1) and (2)
(C) Only (1)
(D) Only (2) and (3)
(E) Only (3)
Ans : (E)
43. What is the present situation of retail growth in India ?
(A) The growth of the retail sector is progressing at a medium pace and India lacks the resources to capitalize on the potential market
(B) India’s growth in the retail sector can be compared to the growth of the US in the same
(C) India has a huge untapped market for the retail sector which at present only the international companies are using to their advantage
(D) India is witnessing rapid growth in the retail sector with most companies trying to make maximum of the available market
(E) India is witnessing a lot of mergers and acquisitions in the retail sector
Ans : (C)
Directions–(Q. 44 to 47) Choose the word/group of words which is most similar in meaning to the word/group of words printed in bold as used in the passage.
44. NUCLEAR
(A) One
(B) Central
(C) Single
(D) Extended
(E) Joint
Ans : (C)
45. ZOOMING
(A) Fast
(B) Whizzing
(C) Increasing
(D) Burning
(E) Quick
Ans : (B)
46. AGGRESSIVE
(A) Forceful
(B) Hostile
(C) Violent
(D) Antagonistic
(E) Destructive
Ans : (C)
47. DURABLE
(A) Perishable
(B) Existing
(C) Settlement
(D) Long-lasting
(E) Ever-lasting
Ans : (D)
Directions–(Q. 48 to 50) Choose the word/group of words which is most opposite in meaning to the word/group of words printed in bold as used in the passage.
48. DIVERSITY
(A) Fairness
(B) Uniformity
(C) Reliability
(D) Difference
(E) Equality
Ans : (B)
49. UNAPOLOGETIC
(A) Guilty
(B) Reformed
(C) Unrepentant
(D) Ignorant
(E) Accountable
Ans : (A)
50. UNTAPPED
(A) Over-insistent
(B) More frequent
(C) Available
(D) Intact
(E) Over-exploited
Ans : (E)

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