SAHAYAK INSTITUTION Dehradun ~~~~~~~ Your Guide For Bright Future

IFBI Sr. Officer Entrance Test ICET Sample Paper

2016-06-16T22:17:00.003-07:00

This is an sample paper only, main exam paper may differ.

Quantitative Aptitude

Question 1: Which of the following is incorrect?

Ans: all natural numbers together with zero are called integers

Question 2: If radius circle is 14 cm, then its area is:

Ans: 616 m2

Ques3.Which of the following is not an odd number?

Ans : 28

Question 4: The sum of the length of sides of a triangle is known as its:

Ans: Perimeter

Question 5: The sum of first five odd number is

Ans: 25

Ques6. 24 x 15 / 12 +? = 165,

Ans: None of These

Question 7: The value of -27 - (-23)

Ans: -4

Question 8: The total of the ages of Rahul, Rohit and Ankur is 100 years. What was the total of their ages four Years ago?

Ans: 88 Years

Question 9: A quantity which expresses a part of the whole is called a/an

ANs: Fraction

Ques10.The smallest natural number is:

Ans: 1

Ques11.An error of 0.02 is made in the measurement of a line 10 cm long, while an error of only 0.2cm . is made in a measurement of a line 100 cm long. In comparison with the relative error of the first measurement, the relative error of the second measurement is

Ans: The same

Question 12: A house worth Rs.1,50,000 is sold by X to Y at 5% profit. Y sells the house back to X at 2% loss. Then in the entire transaction.

Ans: X gains Rs. 4350

Question 13: Income of a company doubles after every one year. If the initial income was Rs. 4 lakhs, what would be the income after 5 years?

Ans: None of these

Question 14: The number of students in each section of a school is 24. After admitting new students, three new sections were started. Now, the total number of sections is 16 and there are 21 students in each section. The number of new students admitted is.

Ans: 24

Ques15.If the sum of two numbers is 33 and their difference is 15, the smaller number is

Ans: 9

Question 16: If a = 3, then the value of 2a + 4 =

Ans: 10

Ques17.Village X has a population of 68,000, which is decreasing at the rate of 1200 per year. Village Y has a population of 42,000, which is increasing at the rate of 800 per year. In how many years will the population of the two villages be equal?

Ans: 13 years

Ques18.

Raman’s monthly income is Rs 15,000. He spends Rs 9000 per month. What is the percentage of his monthly saving.

Ans: 45

Ques19.A group of 1200 persons consisting of captains and soldiers is traveling in a train. F or every 15 soldiers there is one

Ans: Short Q

Ques20.Which of the following is correct ?

Ans: (x - y) is a factor of a (x - y) -b (x - y)

Ques22. 25 x 25 x 25 = 5^?

Ans: 6

Que23.If selling price is less than cost price, we say that the seller incurred a

Ans: Loss

Ques24.Which of the following numbers is divisible by 5?

Ans: 5920

^Ques25The sum of first five odd number is

Ans: 25

Ques26. If 5 * 2 is a number divisible by 6, then what should come in place of *?

Ans: 2

Ques27. An angle which is equal to 360 degree is called

Ans: complete angle

Ques28. If the volume of a sphere is divided by its surface area, the result is 27 cm. The radius of sphere is:

Ans: 81 CM

Ques29. If 15 apples and 20 oranges cost as much 20 apples and 15 oranges which of the following conclusions is correct

Ans:

Reasoning

Question 1: 10, 20, 30, 40, ………..

Ans: 50

Ques2. b b a a c _ b b _ d c c _ e d _

Ans: c d e d

Ques3: 1, 4, 27, 16, _, 36, 343

Ans: 125

Ques 4: Ques4. a c a b a _ a a c _ b a c _ a c a _ a c a

Ans: c a a b

Ques5. 90, 83, 76, 69, _, 55,

Ans: 62

Question 6: "9, 19, 39, 79, _"

Ans: 159

Ques7. 543, 654, 765, (?), 987

Ans: 876

Ques8: 2, 4, 4, 16, 6, 36, 8, (?)

Ans: 64

Ques9: 200, 360, 520, 680, (?)

Ans: 840

Question 10: 12, 24, 36, 48, (?)

Ans: 60

Q11: 1, 9, 25, (?), 81

Ans: 49

Question 12: S, X, C, H, M, ?

Ans: R

Question 13: JA, FE, MA, AP, MA, ?

Ans:

Question 14: PQR, RQP, STU, UTS, VWX, ?

Ans: XWV

Question 15: PARAGRAPH, ARAGRAP, RAGRA, ?

Ans: AGR

Question 16: T, W, S, V, R, ?

Ans: U

Question 17: JLK, NPO, RTS, ?

Ans: WXV

Question 18: AAABBBCCCD, ABBBCCCD, BBCCCD, ?

Ans: CCCD

Question 19: deb ijg nol ? xyz

Ans: STQ

Question 20: "DEH, KNQ, TWZ, ?"

Ans: CFI

Question 21: tus _ _ uss t _ ss tus _

Ans: stus

Question 22: e _ bcde ea _ cde eab _ _ e

Ans: abcd

Question 23: _ een k _ en ke _ n kee _

Ans: keen

Question 24: _ accbbdd _ ac _ bbddaacc b _ d _

Ans: aacbd

Question 25: _ un s _ n su _ s _ n

Ans: sunu

Question 26: b _ adcc baa _ cc _ aadc _

Ans: adbc

Question 27: l _ mmnn ll _ mnn l _ mmn _

Ans: lmln

Question 28: _ d c _ d cd _ d cdd _ d

Ans: cddd

Question 29: _ emmd d _ m _ d de _ m _

Ans: demmd

Question 30: _ ool t _ ol to_l too _

Ans: tool

English

Ques 1 .There _____ _____ work in this office for people who are lazy and untruthful..

Ans: isn’t, any

Question 2 :HOSTAGE

Ans: detainee

Ques 3.STATURORY

Ans: constitutional

Ques 4.HAVOC

Ans: chaos

Ques 6.If you waver at the last minute, you shall face failure.

Ans: Hesitate

Ques7.It is very difficult to retain all that you hear in the class.

Ans: Conserve

Ques 8.We should always try to maintain and promote communal amity.

Ans: Friendship

Ques9.Being a member of this Club, he has certain right

Ans: Privileges

Ques10.As soon as he finished his speech, there was spontaneous applause from the audience.

Ans: Well–timed

Ques11.The bounties of nature are being exploited by man.

Ans: Gifts

Ques12.Hi is averse to the idea of holding elections now.

Ans: Opposed

Ques13.The leader nodded his approbation.

Ans: Appreciation

Ques14.Now the fury of the demonstrators turned against the machines.

Ans: Rage

Ques15.Many species of animals have become extinct during the last hundred years.

Ans: Non–existent

Question 16: Swine influenza is most common in

Ans: Pigs

Question 17: LETHAL

Ans: Deadly

Question 18: AROMATIC

Ans: Fragrant

Question 20: BRIEF

Ans: Short

Question 21: MENACE

Ans: Threat

Ques22: HAUGHTY

Ans: Arrogant

Ques23:Laws of nature

Ans: statements of acts

Ques24:INCENTIVE

Ans: objective

Question 25: The author is critical of the present educational system because it

Ans: is science-oriented

Ques26. Anushka can ______ be a good dancer ____ a singer.

Ans: either, or

Ques27. There _____ _____ work in this office for people who are lazy and untruthful..

Ans: isn’t, any

Ques28.Your mother, like mine, likes to take a nap in the afternoons, after a busy day at home. ______?

Ans: isn’t she

Question 29: We have a pet dog. ______ name is Moppy.

Ans: his

Q 30: Aditya ______ potatoes.

Ans: doesn’t like

Banking Services Chronicle January 2016- Monthly Magazine Review

2016-02-05T23:13:00.000-08:00

Banking Services Chronicle January 2016- Monthly Magazine Review

This post will give you an idea about the Monthly Magazine Banking Services Chronicle. This report it made by our institute Faculty Team.Index: In earlier some of the editions this was missing but in this edition it is available.Current Topics: A few Current topics were discussed yet addition can be done.

Event Calendar: Again Event Calendar (Day wise event detail) missing.Economic Section:As this book is for bank entrance preparing student, hence it is expected that Economy section can have more detail on topics.

Questionnaires: Sample Questionnaires (topic wise) are missing in the book.Sample Papers: Positive aspect in the magazine is, it is containing sample paper for bank PO/clerk.GD: Group discussion are not found frequently in all the additions.Sample : No sample/real interview section is found.Topic Discussion: Subjective topic wise discussion in detail is expected

General Awareness: GA is having less attraction. Overall rating of the Magazine is : 6 out of 10.
Reference Magazine is : Banking Services Chronicle, January 2016Summary: In this edition good numbers of practice papers are given. The magazine is OK to get the rough knowledge but if one is seriously preparing for Bank paper then in depth knowledge is also required and can refer to subjective books.

CTET TET Coaching Classes in Dehradun, Uttrakhand

2014-05-18T23:09:00.001-07:00

CTET and TET coaching classes in Dehradun
This batch will have only CTET/TET students.

Batch is starting from coming Sunday.
Classes on Sundays for working/other people.

Max 7-10 students in a batch, with study material and Paper practice,
Crash course is going to start Soon,
All major subjects covered, special classes for Maths and for week students,
Maths tricks sessions also available,
Paper Practice,
Print Material is given.

In last CTET we gave 60% result.
Contact details: Counsoler: 9808555411, 8445613223,Omkar rd

Keywords: CTET Science Questions Books for CTET & TET.
UTET coaching classes in Dehradun

Science Subject Book for CTET, TET Exam Paper I and Paper 2

2014-05-18T22:36:00.000-07:00

A set of 2 Books.

Book 1: Table of Content

I. Food:Sources of food,Components of food,Cleaning food

II.Materials:Materials of daily use

III.The World of the Living

IV.Moving Things People and Ideas

V.How things work,Electric current and circuits,Magnets

VI.Natural Phenomena

VII.Natural Resources

VIII. Other important Topics

Book 2: Table of Content

30 question papers on Science and Science Based Pedagogical issues.

15 Previous years question papers on Science and Science Based Pedagogical issues.

CONTRIBUTORS:

Authored By : Mr. Narendra Singh (BEd, MA, MBA)

Publisher : Sahayak Institution

ISBN : AF

Language : English

Binding : Paper back

No. Of Pages: 200

Book Size: Too Handy - A5

MRP: 325/-.

Discount : 75/-

Net Payment : 250/- (Shipping Free)

Payment Method: 1. Through Net Banking, 2. Cash Deposit in nearest SBI, A/c

Dispatch Method: After depositing money, either send sms on 9808555411 or mail at sahayakgroup@gmail.com with Transaction ID and full postal Address.

For More detail Please Call at : 8445613223, 09808555411

Key Words: Sample Questions on Science for CTET or TET

Important Banking Terms comes in IBPS and SBI PO/Clerk

2013-11-19T04:22:00.001-08:00

Account Agreement: The contract governing your open-end credit account, it provides information on changes that may occur to the account.

Account History: The payment history of an account over a specific period of time, including the number of times the account was past due or over limit.

Account Holder: Any and all persons designated and authorized to transact business on behalf of an account. Each account holder’s signature needs to be on file with the bank. The signature authorizes that person to conduct business on behalf of the account.

Acquiring Bank: In a merger, the bank that absorbs the bank acquired.

Accrued interest: Interest due from issue date or from the last coupon payment date to the settlement date. Accrued interest on bonds must be added to their purchase price.

Adjustable-Rate Mortgages (ARMS): Also known as variable-rate mortgages. The initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum (or ceiling) and a minimum (or floor) defined in the loan agreement. If interest rates rise, so does the loan payment. If interest rates fall, the loan payment may as well.

Arbitrage: Buying a financial instrument in one market in order to sell the same instrument at a higher price in another market.

Adverse Action: Under the Equal Credit Opportunity Act, a creditor’s refusal to grant credit on the terms requested, termination of an existing account, or an unfavorable change in an existing account.

Adverse Action Notice: The notice required by the Equal Credit Opportunity Act advising a credit applicant or existing debtor of the denial of their request for credit or advising of a change in terms considered unfavorable to the account holder.

AER: Annual earnings rate on an investment.

Affidavit: A sworn statement in writing before a proper official, such as a notary public.

Alteration: Any change involving an erasure or rewriting in the date, amount, or payee of a check or other negotiable instrument.

Amortization: The process of reducing debt through regular installment payments of principal and interest that will result in the payoff of a loan at its maturity.

Anytime Banking: With introduction of ATMs, Tele-Banking and internet banking, customers can conduct their business anytime of the day and night. The ‘Banking Hours’ is not a constraint for transacting banking business.

Anywhere Banking : Refers to banking not only by ATMs, Tele-Banking and internet banking, but also to core banking solutions brought in by banks where customer can deposit his money, cheques and also withdraw money from any branch connected with the system. All major banks in India have brought in core banking in their operations to make banking truly anywhere banking.

Annual Percentage Rate (APR): The cost of credit on a yearly basis, expressed as a percentage.

Annual Percentage Yield (APY): A percentage rate reflecting the total amount of interest paid on a deposit account based on the interest rate and the frequency of compounding for a 365-day year.

Annuity : A life insurance product which pays income over the course of a set period. Deferred annuities allow assets to grow before the income is received and immediate annuities (usually taken from a year after purchase) allow payments to start from about a year after purchase.

APR: The annual percentage rate of interest, usually on a loan or mortgage, usually displayed in brackets and representing the true cost of the loan or mortgage as it shows any additional payments beyond the interest rate.

Application: Under the Equal Credit Opportunity Act (ECOA), an oral or written request for an extension of credit that is made in accordance with the procedures established by a creditor for the type of credit requested.

Appraisal: The act of evaluating and setting the value of a specific piece of personal or real property.

Ask Price: The lowest price at which a dealer is willing to sell a given security.

Asset-Backed Securities (ABS): A type of security that is backed by a pool of bank loans, leases, and other assets. Most ABS are backed by auto loans and credit cards – these issues are very similar to mortgage-backed securities.

At-the-money: The exercise price of a derivative that is closest to the market price of the underlying instrument.

ATM: ATMs are Automatic Teller Machines, which do the job of a teller in a bank through Computer Network. ATMs are located on the branch premises or off branch premises. ATMs are useful to dispense cash, receive cash, accept cheques, give balances in the accounts and also give mini-statements to the customers.

Authorization: The issuance of approval, by a credit card issuer, merchant, or other affiliate, to complete a credit card transaction.

Automated Clearing House (ACH): A computerized facility used by member depository institutions to electronically combine, sort, and distribute inter-bank credits and debits. ACHs process electronic transfers of government securities and provided customer services, such as direct deposit of customers’ salaries and government benefit payments (i.e., social security, welfare, and veterans’ entitlements), and preauthorized transfers.

Automated Teller Machine (ATM): A machine, activated by a magnetically encoded card or other medium that can process a variety of banking transactions. These include accepting deposits and loan payments, providing withdrawals, and transferring funds between accounts.

Automatic Bill Payment: A checkless system for paying recurring bills with one authorization statement to a financial institution. For example, the customer would only have to provide one authorization form/letter/document to pay the cable bill each month. The necessary debits and credits are made through an Automated Clearing House (ACH).

Availability Date: Bank’s policy as to when funds deposited into an account will be available for withdrawal.

Availability Policy: Bank’s policy as to when funds deposited into an account will be available for withdrawal.

Available Balance: The balance of an account less any hold, uncollected funds, and restrictions against the account.

Available Credit: The difference between the credit limit assigned to a cardholder account and the present balance of the account.

Banking: Accepting for the purpose of lending or investment of deposits of money from Public, Repayable on demand or otherwise and withdraw able by cheques, drafts, order, etc.

Bank Ombudsman: Bank Ombudsman is the authority to look into complaints against Banks in the main areas of collection of cheque / bills, issue of demand drafts, non-adherence to prescribed hours of working, failure to honour guarantee / letter of credit commitments, operations in deposit accounts and also in the areas of loans and advances where banks flout directions / instructions of RBI. This Scheme was announced in 1995 and is functioning with new guidelines from 2007. This scheme covers all scheduled banks, the RRBs and co-operative banks.

Bancassurance: Bancassurance refers to the distribution of insurance products and the insurance policies of insurance companies which may be life policies or non-life policies like home insurance – car insurance, medi-policies and others, by banks as corporate agents through their branches located in different parts of the country by charging a fee.

Banker’s Lien: Bankers lien is a special right of lien exercised by the bankers, who can retain goods bailed to them as a security for general balance of account. Bankers can have this right in the absence of a contract to the contrary.

Basel-II: The Committee on Banking Regulations and Supervisory Practices, popularity known as Basel Committee, submitted its revised version of norms in June, 2004. Under the revised accord the capital requirement is to be calculated for credit, market and operational risks. The minimum requirement continues to be 8% of capital fund (Tier I & II Capital) Tier II shall continue to be not more than 100% of Tier I Capital.

Brick & Mortar Banking: Brick and Mortar Banking refers to traditional system of banking done only in a fixed branch premises made of brick and mortar. Now there are banking channels like ATM, Internet Banking, tele banking etc.

Business of Banking : Accepting deposits, borrowing money, lending money, investing, dealing in bills, dealing in Foreign Exchange, Hiring Lockers, Opening Safe Custody Accounts, Issuing Letters of Credit, Travelers’ Cheques, doing Mutual Fund business, Insurance Business, acting as Trustee or doing any other business which Central Government may notify in the official Gazette.

Bouncing of a cheque: Where an account does not have sufficient balance to honour the cheque issued by the customer, the cheque is returned by the bank with the reason “funds insufficient” or “Exceeds arrangement”. This is known as ‘Bouncing of a cheque’.

Basis Point: One hundredth of 1%. A measure normally used in the statement of interest rate e.g., a change from 5.75% to 5.81% is a change of 6 basis points. Bear Markets: Unfavorable markets associated with falling prices and investor pessimism.

Bid-ask Spread: The difference between a dealers’s bid and ask price.

Bid Price: The highest price offered by a dealer to purchase a given security.

Blue Chips: Blue chips are unsurpassed in quality and have a long and stable record of earnings and dividends. They are issued by large and well-established firms that have impeccable financial credentials.

Bond: Publicly traded long-term debt securities, issued by corporations and governments, whereby the issuer agrees to pay a fixed amount of interest over a specified period of time and to repay a fixed amount of principal at maturity.

Book Value: The amount of stockholders’ equity in a firm equals the amount of the firm’s assets minus the firm’s liabilities and preferred stock.

Broker: Individuals licensed by stock exchanges to enable investors to buy and sell securities.

Brokerage Fee: The commission charged by a broker.

Bull Markets: Favorable markets associated with rising prices and investor optimism.

Call Option: The right to buy the underlying securities at a specified exercise price on or before a specified expiration date.

Callable Bonds: Bonds that give the issuer the right to redeem the bonds before their stated maturity.

Capital Gain: The amount by which the proceeds from the sale of a capital asset exceed its original purchase price.

Capital Markets: The market in which long-term securities such as stocks and bonds are bought and sold.

Certificate of Deposits (CDs): Savings instrument in which funds must remain on deposit for a specified period and premature withdrawals incur interest penalties.

Certificate of Deposit:. Certificate of Deposits are negotiable receipts in bearer form which can be freely traded among investors. This is also a money market instrument,issued for a period ranging from 7 days to f one year .The minimum deposit amount is Rs. 1 lakh and they are transferable by endorsement and delivery.

Cheque: Cheque is a bill of exchange drawn on a specified banker ordering the banker to pay a certain sum of money to the drawer of cheque or another person. Money is generally withdrawn by clients by cheques. Cheque is always payable on demand.

Cheque Truncation: Cheque truncation truncates or stops the flow of cheques through the banking system. Generally truncation takes place at the collecting branch, which sends the electronic image of the cheques to the paying branch through the clearing house and stores the paper cheques with it.

Closed-end (Mutual) Fund: A fund with a fixed number of shares issued, and all trading is done between investors in the open market. The share prices are determined by market prices instead of their net asset value.

Collateral: A specific asset pledged against possible default on a bond. Mortgage bonds are backed by claims on property. Collateral trusts bonds are backed by claims on other securities. Equipment obligation bonds are backed by claims on equipment.

Commercial Paper: Short-term and unsecured promissory notes issued by corporations with very high credit standings.

Common Stock: Equity investment representing ownership in a corporation; each share represents a fractional ownership interest in the firm.

Compound Interest: Interest paid not only on the initial deposit but also on any interest accumulated from one period to the next.

Contract Note: A note which must accompany every security transaction which contains information such as the dealer’s name (whether he is acting as principal or agent) and the date of contract.

Controlling Shareholder: Any person who is, or group of persons who together are, entitled to exercise or control the exercise of a certain amount of shares in a company at a level (which differs by jurisdiction) that triggers a mandatory general offer, or more of the voting power at general meetings of the issuer, or who is or are in a position to control the composition of a majority of the board of directors of the issuer.

Convertible Bond: A bond with an option, allowing the bondholder to exchange the bond for a specified number of shares of common stock in the firm. A conversion price is the specified value of the shares for which the bond may be exchanged. The conversion premium is the excess of the bond’s value over the conversion price.

Corporate Bond: Long-term debt issued by private corporations.

Coupon: The feature on a bond that defines the amount of annual interest income.

Coupon Frequency: The number of coupon payments per year.

Coupon Rate: The annual rate of interest on the bond’s face value that a bond’s issuer promises to pay the bondholder. It is the bond’s interest payment per dollar of par value.

Covered Warrants: Derivative call warrants on shares which have been separately deposited by the issuer so that they are available for delivery upon exercise.

Credit Rating: An assessment of the likelihood of an individual or business being able to meet its financial obligations. Credit ratings are provided by credit agencies or rating agencies to verify the financial strength of the issuer for investors.

Collecting Banker: Also called receiving banker, who collects on instruments like a cheque, draft or bill of exchange, lodged with himself for the credit of his customer’s account.

Consumer Protection Act: It is implemented from 1987 to enforce consumer rights through a simple legal procedure. Banks also are covered under the Act. A consumer can file complaint for deficiency of service with Consumer District Forum for amounts upto Rs.20 Lacs in District Court, and for amounts above Rs.20 Lacs to Rs.1 Crore in State Commission and for amounts above Rs.1 Crore in National Commission.

Co-operative Bank : An association of persons who collectively own and operate a bank for the benefit of consumers / customers, like Saraswat Co-operative Bank or Abhyudaya Co-operative Bank and other such banks.

Co-operative Society : When an association of persons collectively own and operate a unit for the benefit of those using its services like Apna Bazar Co-operative Society or Sahakar Bhandar or a Co-operative Housing Society.

Core Banking Solutions (CBS): Core Banking Solutions is a buzz word in Indian banking at present, where branches of the bank are connected to a central host and the customers of connected branches can do banking at any breach with core banking facility.

Creditworthiness: It is the capacity of a borrower to repay the loan / advance in time along with interest as per agreed terms.

Crossing of Cheques: Crossing refers to drawing two parallel lines across the face of the cheque. A crossed cheque cannot be paid in cash across the counter, and is to be paid through a bank either by transfer, collection or clearing. A general crossing means that cheque can be paid through any bank and a special crossing, where the name of a bank is indicated on the cheque, can be paid only through the named bank.

Customer: A person who maintains any type of account with a bank is a bank customer. Consumer Protection Act has a wider definition for consumer as the one who purchases any service for a fee like purchasing a demand draft or a pay order. The term customer is defined differently by Laws, softwares and countries.

Current Account: Current account with a bank can be opened generally for business purpose. There are no restrictions on withdrawals in this type of account. No interest is paid in this type of account.

Currency Board: A monetary system in which the monetary base is fully backed by foreign reserves. Any changes in the size of the monetary base have to be fully matched by corresponding changes in the foreign reserves.

Current Yield: A return measure that indicates the amount of current income a bond provides relative to its market price. It is shown as: Coupon Rate divided by Price multiplied by 100%.

Custody of Securities: Registration of securities in the name of the person to whom a bank is accountable, or in the name of the bank’s nominee; plus deposition of securities in a designated account with the bank’s bankers or with any other institution providing custodial services.

Debit Card: A plastic card issued by banks to customers to withdraw money electronically from their accounts. When you purchase things on the basis of Debit Card the amount due is debited immediately to the account. Many banks issue Debit-Cum-ATM Cards.

Debtor: A person who takes some money on loan from another person.

Demand Deposits: Deposits which are withdrawn on demand by customers. E.g. savings bank and current account deposits.

Demat Account: Demat Account concept has revolutionized the capital market of India. When a depository company takes paper shares from an investor and converts them in electronic form through the concerned company, it is called Dematerialization of Shares. These converted Share Certificates in Electronic form are kept in a Demat Account by the Depository Company, like a bank keeps money in a deposit account. Investor can withdraw the shares or purchase more shares through this demat Account.

Derivative Call (Put) Warrants: Warrants issued by a third party which grant the holder the right to buy (sell) the shares of a listed company at a specified price.

Derivative Instrument: Financial instrument whose value depends on the value of another asset.

Discount Bond: A bond selling below par, as interest in-lieu to the bondholders.

Dishonour of Cheque: Non-payment of a cheque by the paying banker with a return memo giving reasons for the non-payment. Default Risk: The possibility that a bond issuer will default ie, fail to repay principal and interest in a timely manner.

Diversification: The inclusion of a number of different investment vehicles in a portfolio in order to increase returns or be exposed to less risk.

Duration: A measure of bond price volatility, it captures both price and reinvestment risks to indicate how a bond will react to different interest rate environments.

Earnings: The total profits of a company after taxation and interest.

Earnings per Share (EPS): The amount of annual earnings available to common stockholders as stated on a per share basis.

Earnings Yield: The ratio of earnings to price (E/P). The reciprocal is price earnings ratio (P/E).

E-Banking : E-Banking or electronic banking is a form of banking where funds are transferred through exchange of electronic signals between banks and financial institution and customers ATMs, Credit Cards, Debit Cards, International Cards, Internet Banking and new fund transfer devices like SWIFT, RTGS belong to this category.

EFT – (Electronic Fund Transfer): EFT is a device to facilitate automatic transmission and processing of messages as well as funds from one bank branch to another bank branch and even from one branch of a bank to a branch of another bank. EFT allows transfer of funds electronically with debit and credit to relative accounts.

Either or Survivor: Refers to operation of the account opened in two names with a bank. It means that any one of the account holders have powers to withdraw money from the account, issue cheques, give stop payment instructions etc. In the event of death of one of the account holder, the surviving account holder gets all the powers of operation.

Electronic Commerce (E-Commerce): E-Commerce is the paperless commerce where the exchange of business takes place by Electronic means.

Endorsement: When a Negotiable Instrument contains, on the back of the instrument an endorsement, signed by the holder or payee of an order instrument, transferring the title to the other person, it is called endorsement.

Bouncing of a cheque: Where the name of the endorsee or transferee is not mentioned on the instrument.

Endorsement in Full: Where the name of the endorsee or transferee appears on the instrument while making endorsement.

Equity: Ownership of the company in the form of shares of common stock.

Equity Call Warrants: Warrants issued by a company which give the holder the right to acquire new shares in that company at a specified price and for a specified period of time.

Ex-dividend (XD): A security which no longer carries the right to the most recently declared dividend or the period of time between the announcement of the dividend and the payment (usually two days before the record date). For transactions during the ex-dividend period, the seller will receive the dividend, not the buyer. Ex-dividend status is usually indicated in newspapers with an (x) next to the stock’s or unit trust’s name.

Execution of Documents: Execution of documents is done by putting signature of the person, or affixing his thumb impression or putting signature with stamp or affixing common seal of the company on the documents with or without signatures of directors as per articles of association of the company.

Face Value/ Nominal Value: The value of a financial instrument as stated on the instrument. Interest is calculated on face/nominal value.

Fixed-income Securities: Investment vehicles that offer a fixed periodic return.

Fixed Rate Bonds: Bonds bearing fixed interest payments until maturity date.

Floating Rate Bonds: Bonds bearing interest payments that are tied to current interest rates.

Factoring: Business of buying trade debts at a discount and making a profit when debt is realized and also taking over collection of trade debts at agreed prices.

Foreign Banks: Banks incorporated outside India but operating in India and regulated by the Reserve Bank of India (RBI),. e..g., Barclays Bank, HSBC, Citibank, Standard Chartered Bank, etc.

Forfeiting: In International Trade when an exporter finds it difficult to realize money from the importer, he sells the right to receive money at a discount to a forfaiter, who undertakes inherent political and commercial risks to finance the exporter, of course with assumption of a profit in the venture.

Forgery: when a material alteration is made on a document or a Negotiable Instrument like a cheque, to change the mandate of the drawer, with intention to defraud.

Fundamental Analysis: Research to predict stock value that focuses on such determinants as earnings and dividends prospects, expectations for future interest rates and risk evaluation of the firm.

Future Value: The amount to which a current deposit will grow over a period of time when it is placed in an account paying compound interest.

Future Value of an Annuity: The amount to which a stream of equal cash flows that occur in equal intervals will grow over a period of time when it is placed in an account paying compound interest.

Futures Contract: A commitment to deliver a certain amount of some specified item at some specified date in the future.

Garnishee Order: When a Court directs a bank to attach the funds to the credit of customer’s account under provisions of Section 60 of the Code of Civil Procedure, 1908.

General Lien: A right of the creditors to retain possession of all goods given in security to him by the debtor for any outstanding debt.

Guarantee: A contract between guarantor and beneficiary to ensure performance of a promise or discharge the liability of a third person. If promise is broken or not performed, the guarantor pays contracted amount to the beneficiary.

Hedge: A combination of two or more securities into a single investment position for the purpose of reducing or eliminating risk.

Holder: Holder means any person entitled in his own name to the possession of the cheque, bill of exchange or promissory note and who is entitled to receive or recover the amount due on it from the parties. For example, if I give a cheque to my friend to withdraw money from my bank,he becomes holder of that cheque. Even if he loses the cheque, he continues to be holder. Finder cannot become the holder.

Holder in due course : A person who receives a Negotiable Instrument for value, before it was due and in good faith, without notice of any defect in it, he is called holder in due course as per Negotiable Instrument Act. In the earlier example if my friend lends some money to me on the basis of the cheque, which I have given to him for encashment, he becomes holder-in-due course.

Hypothecation: Charge against property for an amount of debt where neither ownership nor possession is passed to the creditor. In pledge, possession of property is passed on to the lender but in hypothecation, the property remains with the borrower in trust for the lender.

Identification: When a person provides a document to a bank or is being identified by a person, who is known to the bank, it is called identification. Banks ask for identification before paying an order cheque or a demand draft across the counter.

Indemnifier: When a person indemnifies or guarantees to make good any loss caused to the lender from his actions or others’ actions.

Indemnity: Indemnity is a bond where the indemnifier undertakes to reimburse the beneficiary from any loss arising due to his actions or third party actions.

Income: The amount of money an individual receives in a particular time period.

Index Fund: A mutual fund that holds shares in proportion to their representation in a market index, such as the S&P 500.

Initial Public Offering (IPO): An event where a company sells its shares to the public for the first time. The company can be referred to as an IPO for a period of time after the event.

Inside Information: Non-public knowledge about a company possessed by its officers, major owners, or other individuals with privileged access to information.

Insider Trading: The illegal use of non-public information about a company to make profitable securities transactions

Insolvent: Insolvent is a person who is unable to pay his debts as they mature, as his liabilities are more than the assets . Civil Courts declare such persons insolvent. Banks do not open accounts of insolvent persons as they cannot enter into contract as per law.

Interest Warrant: When cheque is given by a company or an organization in payment of interest on deposit , it is called interest warrant. Interest warrant has all the characteristics of a cheque.

International Banking: involves more than two nations or countries. If an Indian Bank has branches in different countries like State Bank of India, it is said to do International Banking.

Introduction: Banks are careful in opening any account for a customer as the prospective customer has to be introduced by an existing account holder or a staff member or by any other person known to the bank for opening of account. If bank does not take introduction, it will amount to negligence and will not get protection under law.

Intrinsic Value: The difference of the exercise price over the market price of the underlying asset.

Investment: A vehicle for funds expected to increase its value and/or generate positive returns.

Investment Adviser: A person who carries on a business which provides investment advice with respect to securities and is registered with the relevant regulator as an investment adviser.

IPO price: The price of share set before being traded on the stock exchange. Once the company has gone Initial Public Offering, the stock price is determined by supply and demand.

JHF Account : Joint Hindu Family Account is account of a firm whose business is carried out by Karta of the Joint family, acting for all the family members.. The family members have common ancestor and generally maintain a common residence and are subject to common social, economic and religious regulations.

Joint Account: When two or more individuals jointly open an account with a bank.

Junk Bond: High-risk securities that have received low ratings (i.e. Standard & Poor’s BBB rating or below; or Moody’s BBB rating or below) and as such, produce high yields, so long as they do not go into default.

Karta: Manager of a Hindu Undivided Family (HUF) who handles the family business. He is usually the eldest male member of the undivided family.

Kiosk Banking: Doing banking from a cubicle from which food, newspapers, tickets etc. are also sold.

KYC Norms: Know your customer norms are imposed by R.B.I. on banks and other financial institutions to ensure that they know their customers and to ensure that customers deal only in legitimate banking operations and not in money laundering or frauds.

Law of Limitation: Limitation Act of 1963 fixes the limitation period of debts and obligations including banks loans and advances. If the period fixed for particular debt or loan expires, one cannot file a suit for is recovery, but the fact of the debt or loan is not denied. It is said that law of limitation bars the remedy but does not extinguish the right.

Lease Financing: Financing for the business of renting houses or lands for a specified period of time and also hiring out of an asset for the duration of its economic life. Leasing of a car or heavy machinery for a specific period at specific price is an example.

Letter of Credit: A document issued by importers bank to its branch or agent abroad authorizing the payment of a specified sum to a person named in Letter of Credit (usually exporter from abroad). Letters of Credit are covered by rules framed under Uniform Customs and Practices of Documentary Credits framed by International Chamber of Commerce in Paris.

Limited Companies Accounts: Accounts of companies incorporated under the Companies Act, 1956 . A company may be private or public. Liability of the shareholders of a company is generally limited to the face value of shares held by them.

Leverage Ratio: Financial ratios that measure the amount of debt being used to support operations and the ability of the firm to service its debt.

Libor: The London Interbank Offered Rate (or LIBOR) is a daily reference rate based on the interest rates at which banks offer to lend unsecured funds to other banks in the London wholesale money market (or interbank market). The LIBOR rate is published daily by the British Banker’s Association and will be slightly higher than the London Interbank Bid Rate (LIBID), the rate at which banks are prepared to accept deposits.

Limit Order: An order to buy (sell) securities which specifies the highest (lowest) price at which the order is to be transacted.

Limited Company: The passive investors in a partnership, who supply most of the capital and have liability limited to the amount of their capital contributions.

Liquidity: The ability to convert an investment into cash quickly and with little or no loss in value.

Listing: Quotation of the Initial Public Offering company’s shares on the stock exchange for public trading.

Listing Date: The date on which Initial Public Offering stocks are first traded on the stock exchange by the public

Margin Call: A notice to a client that it must provide money to satisfy a minimum margin requirement set by an Exchange or by a bank / broking firm.

Market Capitalization: The product of the number of the company’s outstanding ordinary shares and the market price of each share.

Market Maker: A dealer who maintains an inventory in one or more stocks and undertakes to make continuous two-sided quotes.

Market Order: An order to buy or an order to sell securities which is to be executed at the prevailing market price.

Money Market: Market in which short-term securities are bought and sold.

Marginal Standing Facility Rate: MSF scheme has become effective from 09th May, 2011 launched by the RBI. Under this scheme, Banks will be able to borrow upto 1% of their respective Net Demand and Time Liabilities. The rate of interest on the amount accessed from this facility will be 100 basis points (i.e. 1%) above the repo rate. This scheme is likely to reduce volatility in the overnight rates and improve monetary transmission.

Mandate: Written authority issued by a customer to another person to act on his behalf, to sign cheques or to operate a bank account.

Material Alteration: Alteration in an instrument so as to alter the character of an instrument for example when date, amount, name of the payee are altered or making a cheque payable to bearer from an order one or opening the crossing on a cheque.

Merchant Banking : When a bank provides to a customer various types of financial services like accepting bills arising out of trade, arranging and providing underwriting, new issues, providing advice, information or assistance on starting new business, acquisitions, mergers and foreign exchange.

Micro Finance: Micro Finance aims at alleviation of poverty and empowerment of weaker sections in India. In micro finance, very small amounts are given as credit to poor in rural, semi-urban and urban areas to enable them to raise their income levels and improve living standards.

Minor Accounts: A minor is a person who has not attained legal age of 18 years. As per Contract Act a minor cannot enter into a contract but as per Negotiable Instrument Act, a minor can draw, negotiate, endorse, receive payment on a Negotiable Instrument so as to bind all the persons, except himself. In order to boost their deposits many banks open minor accounts with some restrictions.

Mobile Banking : With the help of M-Banking or mobile banking customer can check his bank balance, order a demand draft, stop payment of a cheque, request for a cheque book and have information about latest interest rates.

Money Laundering: When a customer uses banking channels to cover up his suspicious and unlawful financial activities, it is called money laundering.

Money Market: Money market is not an organized market like Bombay Stock Exchange but is an informal network of banks, financial institutions who deal in money market instruments of short term like CP, CD and Treasury bills of Government.

Moratorium: R.B.I. imposes moratorium on operations of a bank; if the affairs of the bank are not conducted as per banking norms. After moratorium R.B.I. and Government explore the options of safeguarding the interests of depositors by way of change in management, amalgamation or take over or by other means.

Mortgage: Transfer of an interest in specific immovable property for the purpose of offering a security for taking a loan or advance from another. It may be existing or future debt or performance of an agreement which may create monetary obligation for the transferor (mortgagor).

Mutual Fund: A company that invests in and professionally manages a diversified portfolio of securities and sells shares of the portfolio to investors.

NABARD: National Bank for Agriculture & Rural Development was setup in 1982 under the Act of 1981. NABARD finances and regulates rural financing and also is responsible for development agriculture and rural industries.

Negotiation: In the context of banking, negotiation means an act of transferring or assigning a money instrument from one person to another person in the course of business.

Net Asset Value: The underlying value of a share of stock in a particular mutual fund; also used with preferred stock.

Non-Fund Based Limits: Non-Fund Based Limits are those type of limits where banker does not part with the funds but may have to part with funds in case of default by the borrowers, like guarantees, letter of credit and acceptance facility.

Non-Resident: A person who is not a resident of India is a non-resident.

Non-Resident Accounts: Accounts of non-resident Indian citizens opened and maintained as per R.B.I. Rules.

Notary Public: A Lawyer who is authorized by Government to certify copies of documents .

NPA Account: If interest and instalments and other bank dues are not paid in any loan account within a specified time limit, it is being treated as non-performing assets of a bank.

Off Balance Sheet Items: Those items which affect the financial position of a business concern, but do not appear in the Balance Sheet E,g guarantees, letters of credit . The mention “off Balance Sheet items” is often found in Auditors Reports or Directors Reports.

Offer for Sale: An offer to the public by, or on behalf of, the holders of securities already in issue.

Offer for Subscription: The offer of new securities to the public by the issuer or by someone on behalf of the issuer.

Online Banking: Banking through internet site of the bank which is made interactive.

Open-end (Mutual) Fund: There is no limit to the number of shares the fund can issue. The fund issues new shares of stock and fills the purchase order with those new shares. Investors buy their shares from, and sell them back to, the mutual fund itself. The share prices are determined by their net asset value.

Open Offer: An offer to current holders of securities to subscribe for securities whether or not in proportion to their existing holdings.

Option: A security that gives the holder the right to buy or sell a certain amount of an underlying financial asset at a specified price for a specified period of time.

Oversubscribed: When an Initial Public Offering has more applications than actual shares available. Investors will often apply for more shares than required in anticipation of only receiving a fraction of the requested number. Investors and underwriters will often look to see if an IPO is oversubscribed as an indication of the public’s perception of the business potential of the IPO company.

Pass Book: A record of all debit and credit entries in a customer’s account. Generally all banks issue pass books to Savings Bank/Current Account Holders.

Par Bond: A bond selling at par (i.e. at its face value).

Par Value: The face value of a security.

Perpetual Bonds: Bonds which have no maturity date.

Placing: Obtaining subscriptions for, or the sale of, primary market, where the new securities of issuing companies are initially sold.

Personal Identification Number (PIN): Personal Identification Number is a number which an ATM card holder has to key in before he is authorized to do any banking transaction in a ATM .

Plastic Money: Credit Cards, Debit Cards, ATM Cards and International Cards are considered plastic money as like money they can enable us to get goods and services.

Pledge: A bailment of goods as security for payment of a debt or performance of a promise, e.g pledge of stock by a borrower to a banker for a credit limit. Pledge can be made in movable goods only.

Post-Dated Cheque: A Cheque which bears the date which is subsequent to the date when it is drawn. For example, a cheque drawn on 8th of February, 2007 bears the date of 12th February, 2007.

Power of Attorney: It is a document executed by one person – Donor or Principal, in favour of another person, Donee or Agent – to act on behalf of the former, strictly as per authority given in the document.

Portfolio: A collection of investment vehicles assembled to meet one or more investment goals.

Preference Shares: A corporate security that pays a fixed dividend each period. It is senior to ordinary shares but junior to bonds in its claims on corporate income and assets in case of bankruptcy.

Premium (Warrants): The difference of the market price of a warrant over its intrinsic value.

Premium Bond: Bond selling above par.

Present Value: The amount to which a future deposit will discount back to present when it is depreciated in an account paying compound interest.

Present Value of an Annuity: The amount to which a stream of equal cash flows that occur in equal intervals will discount back to present when it is depreciated in an account paying compound interest.

Price/Earnings Ratio (P/E): The measure to determine how the market is pricing the company’s common stock. The price/earnings (P/E) ratio relates the company’s earnings per share (EPS) to the market price of its stock.

Privatization: The sale of government-owned equity in nationalized industry or other commercial enterprises to private investors.

Prospectus: A detailed report published by the Initial Public Offering company, which includes all terms and conditions, application procedures, IPO prices etc, for the IPO

Put Option: The right to sell the underlying securities at a specified exercise price on of before a specified expiration date.

Premature Withdrawals: Term deposits like Fixed Deposits, Call Deposits, Short Deposits and Recurring Deposits have to mature on a particular day. When these deposits are sought to be withdrawn before maturity , it is premature withdrawal.

Prime Lending Rate (PLR): The rate at which banks lend to their best (prime) customers.

Priority Sector Advances : consist of loans and advances to Agriculture, Small Scale Industry, Small Road and Water Transport Operators, Retail Trade, Small Business with limits on investment in equipments, professional and self employed persons, state sponsored organisations for lending to SC/ST, Educational Loans, Housing Finance up to certain limits, self-help groups and consumption loans.

Promissory Note: Promissory Note is a promise / undertaking given by one person in writing to another person, to pay to that person , a certain sum of money on demand or on a future day.

Provisioning: Provisioning is made for the likely loss in the profit and loss account while finalizing accounts of banks. All banks are supposed to make assets classification and make appropriate provisions for likely losses in their balance sheets.

Public Sector Bank: A bank fully or partly owned by the Government.

Rate of Return: A percentage showing the amount of investment gain or loss against the initial investment.

Real Interest Rate: The net interest rate over the inflation rate. The growth rate of purchasing power derived from an investment.

Redemption Value: The value of a bond when redeemed.

Reinvestment Value: The rate at which an investor assumes interest payments made on a bond which can be reinvested over the life of that security.

Relative Strength Index (RSI): A stock’s price that changes over a period of time relative to that of a market index such as the Standard & Poor’s 500, usually measured on a scale from 1 to 100, 1 being the worst and 100 being the best.

Repurchase Agreement: An arrangement in which a security is sold and later bought back at an agreed price and time.

Resistance Level: A price at which sellers consistently outnumber buyers, preventing further price rises.

Return: Amount of investment gain or loss.

Rescheduling of Payment: Rearranging the repayment of a debt over a longer period than originally agreed upon due to financial difficulties of the borrower.

Restrictive Endorsement: Where endorser desires that instrument is to be paid to particular person only, he restricts further negotiation or transfer by such words as “Pay to Ashok only”. Now Ashok cannot negotiate the instrument further.

Right of Appropriation: As per Section 59 of the Indian Contract Act, 1972 while making the payment, a debtor has the right to direct his creditor to appropriate such amount against discharge of some particular debt. If the debtor does not do so, the banker can appropriate the payment to any debt of his customer.

Right of Set-Off : When a banker combines two accounts in the name of the same customer and adjusts the debit balance in one account with the credit balance in other account, it is called right of set-off. For example, debit balance of Rs.50,000/- in overdraft account can be set off against credit balance of Rs.75,000/- in the Savings Bank Account of the same customer, leaving a balance of Rs.25,000/- credit in the savings account.

Rights Issue: An offer by way of rights to current holders of securities that allows them to subscribe for securities in proportion to their existing holdings.

Risk-Averse, Risk-Neutral, Risk-Taking:

Risk-averse describes an investor who requires greater return in exchange for greater risk.

Risk-neutral describes an investor who does not require greater return in exchange for greater risk.

Risk-taking describes an investor who will accept a lower return in exchange for greater risk.

Safe Custody: When articles of value like jewellery, boxes, shares, debentures, Government bonds, Wills or other documents or articles are given to a bank for safe keeping in its safe vault, it is called safe custody.. Bank charges a fee from its clients for such safe custody.

Savings Bank Account: All banks in India are having the facility of opening savings bank account with a nominal balance. This account is used for personal purposes and not for business purpose and there are certain restrictions on withdrawals from this type of account. Account holder gets nominal interest in this account.

Senior Bond: A bond that has priority over other bonds in claiming assets and dividends.

Settlement: Conclusion of a securities transaction when a customer pays a broker/dealer for securities purchased or delivered, securities sold, and receive from the broker the proceeds of a sale.

Short Hedge: A transaction that protects the value of an asset held by taking a short position in a futures contract.

Short Position: Investors sell securities in the hope that they will decrease in value and can be bought at a later date for profit.

Short Selling: The sale of borrowed securities, their eventual repurchase by the short seller at a lower price and their return to the lender.

Speculation: The process of buying investment vehicles in which the future value and level of expected earnings are highly uncertain.

Stock Splits: Wholesale changes in the number of shares. For example, a two for one split doubles the number of shares but does not change the share capital.

Subordinated Bond: An issue that ranks after secured debt, debenture, and other bonds, and after some general creditors in its claim on assets and earnings. Owners of this kind of bond stand last in line among creditors, but before equity holders, when an issuer fails financially.

Substantial Shareholder: A person acquires an interest in relevant share capital equal to, or exceeding, 10% of the share capital.

Support Level: A price at which buyers consistently outnumber sellers, preventing further price falls.

Teller : Teller is a staff member of a bank who accepts deposits, cashes cheques and performs other banking services for the public.

Technical Analysis: A method of evaluating securities by relying on the assumption that market data, such as charts of price, volume, and open interest, can help predict future (usually short-term) market trends. Contrasted with fundamental analysis which involves the study of financial accounts and other information about the company. (It is an attempt to predict movements in security prices from their trading volume history.)

Time Horizon: The duration of time an investment is intended for.

Trading Rules: Stipulation of parameters for opening and intra-day quotations, permissible spreads according to the prices of securities available for trading and board lot sizes for each security.

Trust Deed: A formal document that creates a trust. It states the purpose and terms of the name of the trustees and beneficiaries.

Underwriting : is an agreement by the underwriter to buy on a fixed date and at a fixed rate, the unsubscribed portion of shares or debentures or other issues. Underwriter gets commission for this agreement.

Underlying Security: The security subject to being purchased or sold upon exercise of the option contract.

Universal Banking : When Banks and Financial Institutions are allowed to undertake all types of activities related to banking like acceptance of deposits, granting of advances, investment, issue of credit cards, project finance, venture capital finance, foreign exchange business, insurance etc. it is called Universal Banking.

Valuation: Process by which an investor determines the worth of a security using risk and return concept.

Virtual Banking: Virtual banking is also called internet banking, through which financial and banking services are accessed via internet’s World Wide Web. It is called virtual banking because an internet bank has no boundaries of brick and mortar and it exists only on the internet.

Warrant: An option for a longer period of time giving the buyer the right to buy a number of shares of common stock in company at a specified price for a specified period of time.

Wholesale Banking: Wholesale banking is different from Retail Banking as its focus is on providing for financial needs of industry and institutional clients.

Window Dressing: Financial adjustments made solely for the purpose of accounting presentation, normally at the time of auditing of company accounts.

Yield (Internal rate of Return): The compound annual rate of return earned by an investment

Yield to Maturity: The rate of return yield by a bond held to maturity when both compound interest payments and the investor’s capital gain or loss on the security are taken into account.

Zero Coupon Bond: A bond with no coupon that is sold at a deep discount from par value.

Abbreviations Related to Banking & Finance

2013-11-19T04:10:00.002-08:00

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Some important abbreviations are:

ADB	Asian Development Bank
ADTV	Average Daily Trading Volumes
ACR	Actual Cost Report
AOC	Annual Operating Cost
BIFR	Board for Industrial and Financial Reconstruction
BOT	Balance of Trade
BOP	Balance of Payments
BSE	Bombay Stock Exchange
CAC	Capital Account Convertibility
CACP	Commission for Agricultural Cost Prices (Fixes MSP)
CCEA	Cabinet Committee on Economic Affairs
OPCD	Organization Economic Co-Operative Development
CPI	Consumer Price Index
CRISIL	Credit Rating Information Services Of India Ltd
CRM	Customer Relationship Management
EA	Economic Analysis
EBT	Earnings before Tax
ECI	Employment Cost Index
ELSS	Equity linked savings scheme
EPS	Earning Per Square
ESOP	Employee Stock Option Plans
EPZ	Export Processing Zone
IIP	Index of Industrial Production
FSDC	Financial Stability Development Counsil
FATF	Financial Action Test Force
FSB	Financed Stability Board
FDI	Foreign Direct Investments
FII	Foreign Institutional Investers
FEMA	Foreign Exchange Management Act
FIPB	Foreign Investment Promotion Board
FPI	Fixed Price Incentive
FPO	Follow on Public Offer
FTA	Free Trade Agreement
FCCB	Foreign Currency Convertable Bonds
FRBM Act	Fiscal Responsibility And Budget Management Act
GDP	Gross Domestic Product
GDR	Global Depository Receipt
GNP	Gross National Product
GST	Goods and Service Tax
IBRD	International Bank for Reconstruction and Development
ICRA	Indian Credit Rating Agency
IPO	Initial Public Offer
IPR	Intellectual Property Rights
IRDA	Insurance Regulatory Development Authority
JSC	Joint Stock Company
LLP	Limited Liability Partnership
HDI	Human Development Index
MAT	Minimum Alternative Tax
MFI	Micro Finance Institution
MFN	Most favoured Nation
MNC	Multinational Company
MSP	Minimum Support Price
MOU	Memorandum Of Understanding
NAV	Net Asset Value
NCD	Non Convertable Debuntures
NGO	Non-Government Organisation
NRC	Non-Recurring Cost
NRI	Non-Resident Indian
NSE	National Stock Exchange
NSSO	National Sample Survey Organisation
PPP	Purchasing Power Parity & Public Priveate Partnership
PSU	Public Sector Undertakings
QIB	Qualified Institutional Borrower
SEBI	Securities and Exchange Board of India
RIDF	Rural Infrastructural Development Fund
ROCE	Return On Capital Employed
SARFAESI	Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest
SDR	Special Drawing Right
SDR	Special Drawing Right
SEBI	Securities and Exchange Board of India
SFC	State Financial corporation
VAT	Value Added Tax
WPI	Wholesale Price Index
PPI	Producer Price Index
SEZ	Special Economic Zone
SHG	Self-Help Group
SME	Small and Medium Enterprises
SDDS	Special Data Dissemination Standards

IBPS Specialist Officers CWE III Notification 2013-14

2013-11-19T04:08:00.000-08:00

Institute of Banking Personnel Selection (IBPS) has released the Notification of third common written examination for Specialist officers cadre post for 19 public sector banks. The tentative dates of the Examination is scheduled by February 2014. You can start applying from 25th November 2013 – 14th December 2013. Check the remaining details below. All the Best friends..

Post Details :

I.T. Officer (Scale-I)
Agricultural Field Officer (Scale I)
Rajbhasha Adhikari (Scale I)
Law Officer (Scale I)
HR/Personnel Officer (Scale I)
Marketing Officer (Scale I)
I.T. Officer (Scale-II)
Law Officer (Scale II)
Chartered Accountant (Scale II)
Manager Credit (Scale II)/ Finance Executive (Scale II)

For those posts marked in RED color need experience. For remaining posts anybody with the required qualification can apply. See notification for more details.
The Tentative schedule of Events is as follows :

Online Registration	25.11.2013- 14.12.2013
Payment of Application Fees Online	25.11.2013- 16.12.2013
Download of Call letter for Examination	After 28.01.2014
Online Examination (Tentative dates)- some/ all/ additional dates as the need arises	08.02.2014,09.02.2014
Sharing of result status of examination (CWE)	February 2014
Download of call letters for Interview	March 2014
Conduct of Interview	March / April 2014
Allotment	April 2014

Application Fee :
- Rs 100/- for SC/ ST/ PWD/ EXSM Candidates.
- Rs 600/- for all others.
Check detailed notification of IBPS SO 3 Recruitment 2013 from here

COMPUTER APPTITUDE PRACTICE QUESTIONS FOR IBPS/SBI - PO/CLERK -24

2013-11-15T02:30:00.003-08:00

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SBI/IBPS CLERKS COMPUTER KNOWLEDGE/AWARENESS PRACTICE PAPER MCQs

SBI/IBPS CLERKS EXAM COMPUTER KNOWLEDGE & MARKETING APTITUDE PRACTICE QUESTIONS

1.   The primary purpose of this type of software is to create text-based documents?
    a)   Spread sheet,     b)   Presentation,     c)   Word processing,     d)   Web development,     e)   None of these

2.   BASIC, ALGOL and COBAL are the examples of ?
    a)   High level Language   ,     b)   Low level language,     c)   Middle level language   ,     d)   All the above,     e)   None of these

3.   WAV, WMA and AIFF are examples of?
    a)   Encoder programs,     b)   Audio file formats,     c)   Text file formats,     d)   Audio editing software,     e)   None of these

4.   IP address means?
    a)   Internet protocol,     b)   Internal power,     c)   Intranet protocol,     d)   Internal protocol,     e)   None of these

5.   Which of the following is/are an interpreted language(s)?
    a)   C,    b) C++,    c)   Java   , d) Visual Basic,     e)   All the above

6.   The OSI model Consists of ______ Layers?
    a)   Five, b) Six , c) Seven ,     d) Eight       , e) None of these

7.   NIC stands for?
    a)   Network interface card,     b)   Network internal card
    c)   Network internet client,     d)   Network input card   ,     e)   None of these

8.   Fax is an example of ____ Channel?
    a)   Full duplex,     b)   Half-duplex   ,     c)   Simplex      , d) Both a & b,     e)   None of these

9.   A _____ is anything that can cause harm?
    a)   Vulnerability,     b)   Phish   , c) Threat   ,     d)   Spoof   , e) None of these

10.   To open an existing workbook, you can click the open button on the _____toolbar?
    a)   Drawing, b) Formatting, c)   Forms, d) Standard, e)   None of these

11.   Which of the following abbreviations are mismatched?
    a)   EPROM-Erasable Programmable Read Only memory
    b)   FAT- File Allocation Table
    c)   ICMP- Internet Control Message Protocol
    d)   LCD- Liquid Crystal Display, e)   None of these

12.   Which of the following is NOT a Microsoft Internet tool or technology?
    a)   Dreamweaver, b)   Silverlight, c)   Internet Explorer
    d)   Expression Web, e)   None of these

13.   A Proxy server is used for which of the following?
    a)   To provide security against unauthorized users
    b)   To process client requests for web pages
    c)   To Process client requests for database access
    d)   To Provide TCP/IP, e)   None of these

14.   The ____ tells the computer how to use its components?
    a)   Utility, b) Network, c)   Operating system, d)   Application program, e)   None of these

15.   In the language of computer profession, one thousand position of main storage is represented with the letter?
    a)   K, b) L, c)   M, d) C, e)   None of these

16.   In MS Excel "Ctrl + space" does the following operation?
    a)   Selects the entire row, b)   Selects the entire column
    c)   Selects the entire sheet, d)   Selects the cell, e)   None of these

17.   Which storage device is mounted on 'reels'?
    a)   Floppy Disk, b)   Hard Disk, c)   Magnetic Tapes, d)   CDROM, e)   None of these

18.   Programs that automatically submit your search request to several search engines simultaneously are called?
    a)   Meta search engines,     b)   Inclusive search engines
    c)   Spiders   , d) Hits,    e)   None of these

19.   ____ cash is the internet's equivalent to traditional cash?
    a)   Universal, b) Web, c)   Premium, d) Digital, e)   None of these

20.   This type of software works with end users, applications software, and computer hardware to handle the majority of technical details?
    a)   Application software, b)   Communications software, c)   System software
    d)   Web software, e)   None of these

21.   In MS Word, From which menu you can insert Header and Footer?
    a)   Insert menu, b)   View menu, c)   Format menu, d)   Tools menu
    e)   None of these

22.   A file that includes predefined settings that can be used to create many common types of presentations is called a?
    a)   Pattern, b) Model, c)   Template, d) Blueprint, e)   None of these

23.   The most important or powerful computer in a typical network?
    a)   Desktop, b)   Network client, c)   Network server, d)   Network stations
    e)   None of these

24.   Network operating systems from Novell?
    a)   NOS, b) UNIX , c)   Netware, d) Solairs, e)   None of these

25.   Older networks often use another type of cable, called____?
    a)   Twisted -pair cable,     b)   Unshielded twisted-pair cable
    c)   Coaxial cable,     d)   Optical fiber,     e)   None of these

26.   LPT stands for?
    a)   Laser printer, b)   Link printer, c)   Line printer , d)   Line port
    e)   None of these

27.   IP Addresses has ____bytes?
    a)   2, b) 4, c) 8, d) 16,     e)   None of these

28.   The rules of a language are called its___?
    a)   Structure, b) Code,     c)   Syntax    , d) Rigidity, e) None of these

29.   MTBF means
    a)   Mean Time Before Failure,     b)   Master Time Buffer Feature
    c)   Most Treated Buffer time,     d)   Master Test Board Feature
    e)   None of these

30.   Compilers are?
    a)   Both OS - and hardware-   dependent   ,     b)   Only OS- dependent
    c)   Only hardware dependent,     d)   All the above ,     e)   None of these

31.   This technology is used to convert XML into HTML?
    a)   CSS, b) XHTML,     c)   PHP, d) XSL,     e)   None of these

32.   The most common binary code used today is
    a)   BCD, b) Unicode,     c)   EBCDIC , d) ASCII,     e)   Gray code

33.   Magnetic strip reader is a type of _____ device?
    a)   Input, b) Output,     c)   Input/output, d)   Storage , e)   None of these

34.   Which of the following is NOT a type of Broadband Internet connection?
    a)   Cable, b) DSL,     c)   Dial-up, d) Satellite, e)   None of these

35.   To print an individual item in a file immediately click
    a)   SHIFT+P, b) CTRL+P, c)   ALT+P, d) ESC+P, e)   None of these

36.   Letters, memos, term papers, reports, and contracts are all example of?
    a)   Models,     b)   Spread sheet,     c)   Documents, d)   Menus
e) None of these

37.   These programs allow parents as well as organizations to block out selected sites and set time limits on internet access?
    a)   Plug –ins,     b)   Filters, c) FTP, d)   DSL , e) None of these

38.   Picasa is owned by which company?
    a)   Yahoo, b) Google, c)   Microsoft, d) Apple   , e) HP
39.   Which of the following is not a type of computer error?
    a)   Compilation error,     b)   Hang, c)   Abnormal end
    d)   Division by zero, e)   Restart

40.   India's first super computer was _____?
    a)   PARAM 8000, b)   kcomputer   c) Dell 380, d)   Sugar cube sized, e)   NVIDIA

ANSWERS:
1) c; 2) b; 3) b; 4) a; 5) e;      6) c; 7) a; 8) b; 9) c;   10) d;
11) e;   12) a;   13) a;   14) c;   15) a;   16) b;   17) c;   18) a;   19) d;   20) c;
21) a;   22) c;   23) c;   24) c;   25) c;   26) c;   27) b;   28) c;   29) a;   30) a;
31) d;   32) d;   33) a;   34) c;   35) b; 36) c;   37) b;   38) b;   39) e;   40) a:

MAGAZINE REVIEW - Banking Services Chronicle-October 2013 - Monthly Magazine

2013-11-11T21:16:00.001-08:00

Sunday, 10 Nov 2013

MAGAZINE REVIEW - Banking Services Chronicle-October 2013 - Monthly Magazine

This post will give you an idea about the Monthly Magazine Chronicle. This report it made by the faculty, of our institute.

Index: is missing this (One has to check each and every page of the book for finding any content).

Current Topics: Current topics were discussed in so long manner.

Event Calendar: Event Calendar (Day wise event detail) missing.

Section: As this book is for bank entrance preparing student, but Economy section is missing full details, like other magazines.

Questionnaires: Sample Questionnaires (topic wise) are missing in the book.

Sample Papers: Positive aspect in the magazine is, it is containing sample paper for bank PO/clerk.

GD: No group discussion is found in the issue.

Sample : No sample/real interview section is found.

Topic Discussion: No topics for any subjects i.e, English (improve your english), Reasoning, Numeric Ability, etc is there to help students.

General Awareness: GA is totally missing.

Overall rating of the Magazine is : 3 out of 10.

Reference Magazine is : Banking Services Chronicle,

The magazine is OK to get the general knowledge but if one is seriously preparing for Bank paper then this Magazine is not only the tool. One must check other Magazines/books available in the market.

IBPO/SBI/Gramin Bank Clerk English Sample practice Paper – 61

2013-11-11T21:11:00.001-08:00

Pls check the VIGYAAPAN's of this site to help us.....

ENGLISH

Directions—(Q. 1–15): Read the following passage carefully and answer the questions given below it. Certain words/phrases have been printed in bold to help you locate them while answering some of the questions.

                Once a pundit was crossing a field and while walking, suddenly, he felt that there was something in his mouth so he immediately spat it out. It turned out to be a heron’s feather. He could not understand how and when it had gone into his mouth and it perplexed him a great deal. When he reached home he told his wife about the incident but asked her not to tell anyone lest somebody gets a bad impression about him.
                His wife was even more intrigued by the strange occurrence and felt the need to confide in someone. So she swore her neighbour to secrecy and told her what had happened. Perhaps it was the way she told it, but her neighbour got the impression that several feathers had come out of the pundit’s mouth. She was shocked, however, she assured the pundit’s wife that such things could happen and advised her not to worry about it. Though the neighbour had sworn secrecy, she longed to tell someone. Later, she saw her friend passing by and told her the whole incident, but, she made it sound as if a whole heron had come out of the pundit’s mouth. “I have never heard such a thing,” said the friend, her eyes popping with excitement, “and he being a vegetarian and all that, but one can never tell… “She went away promising not to tell anyone but on the way she met the tailor and the whole story sort of tumbled out of her mouth. Perhaps in her excitement she said ‘herons’ instead of ‘heron’ or perhaps the tailor just imagined she had said ‘herons’ but when he told his wife about the pundit, sometime later, he was emphatic that a whole flock of herons had come out of the pundit’s mouth. And as the story spread, “herons” became “herons and other birds” and then “hundreds of birds of all shapes and sizes”.
                By evening the whole village and several other neighbouring villages had heard the story and people began to arrive in droves at the pundit’s house to witness the miraculous happenings there. The people started a huge commotion and called the pundit out of his house. The village head said, “Punditji, we have come to know that a miracle has taken place. You have the ability to produce hundreds of beautiful birds from your mouth. We would like to witness this miracle. Please do it once more.” The pundit steadfastly denied that any bird had come out of his mouth but nobody would believe him and everybody begged him to demonstrate his wonderful power of producing birds from his mouth. The pundit was dumbfounded at this request. He tried his best to convince the villagers that no such thing had happened but to no avail.
                Finally in exasperation, he asked all of them to sit in front of his house and when they had done so, he ran out through the backdoor and hid in the jungle. He stayed there for several days till the excitement died down and the people realized that the news was false.” The rumor spread like wild fire and caused inconvenience to the poor pundit for no fault of his.

Q1. Why did the pundit ask his wife not to tell anyone about the heron’s feather ?
                (A) He was worried that others might get a wrong impression about him
                (B) He was worried that others might get a wrong impression about the feather
                (C) He was worried that others might get a wrong impression about the heron
                (D) He knew that his wife was a chatterbox                                   (E) Both (B) and (C)

Q2. Why was the pundit perplexed ?                                                                               (A) He did not know the way across the field

(B) A heron’s feather had come out of his mouth (C) He could not understand how the feather got in

(D) He did not know how to explain the occurrence to his wife (E) Both (B) and (C)

Q3. What was the wrong impression that the neighbour got ? (A) That a heron came out of the pundit’s mouth

(B) That one feather came out of the pundit’s mouth (C) That three herons had come out of the pundit’s mouth

                (D) That the pundit had eaten up a heron                                      (E) That several feathers had come out of the pundit’s mouth

Q4. What did the neighbour say to the pundit’s wife when she heard about the incident ?
                (A) That the pundit must have eaten a heron                                 (B) That such incidents happen and she must not worry
                (C) That the pundit must have put the feather in his mouth purposely
                (D) That she must go and tell the village elders about it                             (E) None

Q5. The passage is about ……                                                                        (A) How rumors can cause inconvenience

(B) How the villagers helped the pundit (C) How the pundit performed miracles

                (D) How the pundit’s wife could not keep her promise                               (E) How a heron’s feather comes out of one’s mouth

Q6. What did the pundit do in order to escape the embarrassment ?
                (A) He ran out through the back door and stayed in the forest for some days
                (B) He asked his wife to deal with the villagers and went inside the house to take a nap
                (C) He shouted at all the villagers and asked them to leave immediately before he cursed them
                (D) He made up a story about the heron and its feather so that the villagers leave from there                          (E) None

Q7. What did the neighbour tell her friend ?                                                  (A) That the pundit had eaten a heron in the field                                         (B) That the heron had eaten the pundit while he was crossing the field             (C) That the pundit’s wife told her a secret about the pundit     (D) That a whole heron had come out of the pundit’s mouth     (E) That she knew a secret and she would never disclose it

Q8. The pundit’s wife swore her neighbour to secrecy. What does this sentence mean in the context of the passage ?
                (A) The pundit’s wife used foul language for her neighbour
                (B) The pundit’s wife shouted at her neighbour and got into a fight with her
                (C) The pundit’s wife promised the neighbour that she would keep the secret
                (D) The pundit’s wife made her neighbour promise that she would keep the secret
                (E) The pundit’s wife took the neighbour to court for not keeping the secret

Q9. What miracle did the villagers want to witness when they came to the pundit’s house ?
                (1) They wanted to see how the pundit eats herons.
                (2) They wanted to see how the pundit produces different birds from his mouth.
                (3) They wanted to see how the heron went inside and came out of the pundit’s mouth.
                (A) Only (1)            (B) Only (2)            (C) Only (3)           (D) Both (1) and (3)             (E) None

Q10. What did the tailor tell his wife ?                                                                             (A) That just one heron had come out of the pundit’s mouth    (B) That the pundit was catching herons in the field                    (C) That a flock of herons came out of the pundit’s mouth                         (D) That the villagers were going to the pundit’s house                              (E) That a sparrow had come out of the pundit’s mouth

Directions—(Q. 11–13): Choose which is most similar in the meaning to the word/group of words printed in bold as used in the passage.
Q11.        Droves                   (A) Herds               (B) Sections          (C) Flood                               (D) Groups                            (E) Packs
Q12.       Swore                    (A) Abused            (B) Consoled        (C) Took promise                (D) Made her believe          (E) Signed
Q13.       Tumbled out         (A) Jerked out       (B) Reached out (C) Came out       (D) Tripped out                     (E) Pulled out

Directions—(Q. 14–15): Choose the word/group of words which is most similar in the meaning to the word/group of words printed in bold as used in the passage.
Q14.       False                      (A) Serious            (B) Trivial               (C) Simple            (D) Made up                          (E) Authentic
Q15.       Wonderful            (A) Equal               (B) Ordinary          (C) Bright               (D) Innovative                       (E) Destructive

Directions—(Q. 16–25): 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.)

Q16. The professor tried (A) / his best to clear all (B) / their doubts on the subject (C) / after his lecturing. (D) No Error (E)
Q17. George had already (A) / submitted his the document (B) / even before (C) / you asked for it. (D) No Error (E)
Q18. There was a huge (A) / crowded in front (B) / of the actor’s (C) / house on his birthday. (D) No Error (E)
Q19. Reena came early on (A) / Monday because she had (B) / to plan out the team’s schedule (C) / for the whole weeks. (D) No Error (E)
Q20. Rupali wanted to get (A) / a clear picture about (B) / the incident so she (C) / speak to the victims. (D) No Error (E)
Q21. Them were very (A) / disciplined and quite (B) / when the new teacher (C) / entered the classroom. (D) No Error (E)
Q22. The door was (A) / open but no one (B) / were there at (C) / home last night. (D) No Error (E)
Q23. All those whom (A) / were at the concert (B) / could not stop (C) / praising her performance. (D) No Error (E)
Q24. Anemia occurs due (A) / to the deficiency of (B) / hemoglobin in (C) / a person’s blood. (D) No Error (E)
Q25. Please write your (A) / name and address (B) / on the bag before (C) / you misplace it again. (D) No Error (E)

Directions—(Q. 26–30): In each question below, four words printed in bold type are given. These are lettered (A), (B), (C) and (D). One of these words printed in bold may either be wrongly spelt or inappropriate in the context of the sentence. Find out the word that is inappropriate or wrongly spelt, if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and appropriate in the context of the sentence then mark (E) i.e. ‘All Correct’ as your answer.

Q26. She is not only (A) a great (B) dancir (C) but also a successful (D) actress. All Correct (E)
Q27. His servant (A) was hardworking, (B) honest (C) and very polight (D) to everyone. All Correct (E)
Q28. A lot of trees (A) were planted (B) by their NGO in different (C) parts of the city. (D) All Correct (E)
Q29. The children (A) were delighted (B) to see so many (C) story books (D) at the shop. All Correct (E)
Q30. A sever (A) draught hit (B) the Village (C) during the war. (D) All Correct (E)

Directions—(Q. 31–35): Rearrange the following six sentences (a), (b), (c), (d), (e) and (f) in proper sequence to form a meaningful paragraph then answer the questions given below them.
                (a) “What nonsense.” Retorted the fly, “See, they are enjoying themselves and dancing.”
                (b) A fly was flying around but she seemed reluctant to land anywhere, she was searching for other flies but could not see any.
                (c) She settled on the flypaper, and got stuck with the other flies.
                (d) “They’re not dancing ! They’re trying to free themselves !!” yelled the bee, but the fly wasn’t listening.
                (e) While wandering around she suddenly came across a large number of flies sitting on a large piece of paper so the fly started flying       towards the paper.
                (f) “Don’t land !” warned a bee that was flying past, “It’s flypaper. All those flies are stuck to it !”

Q31. Which should be the LAST (SIXTH) sentence in the rearrangement ?          (A) c        (B) e       (C) d       (D) a       (E) b
Q32. Which should be the FIRST sentence in the rearrangement ?                         (A) e        (B) b       (C) c       (D) a       (E) f
Q33. Which should be the FIFTH sentence in the rearrangement ?                         (A) d        (B) a       (C) b       (D) c       (E) e
Q34. Which should be the FOURTH sentence in the rearrangement ?    (A) c        (B) b       (C) a       (D) f        (E) d
Q35. Which should be the SECOND sentence in the rearrangement ?   (A) a        (B) b       (C) d       (D) e       (E) f

Directions—(Q. 36–40): Each sentence below has a blank/s, each blank indicating that something has been omitted. Choose the word/s that best fit/s the meaning of the sentence as a whole.

Q36. I am sure …… you explain the situation, she …… understand.
                (A) So, would,       (B) not, may, (C) if, will, (D) thus, won’t                           (E) try, still

Q37. He …… speech problems since childhood.
                (A) has, (B) have,                (C) having                             (D) is                                      (E) going

Q38. Priti forgot to …… the windows before she …… the house.
                (A) shut, left           (B) close, see                       (C) clean forget                    (D) bring, wash                    (E) open, came

Q39. Anju has been …… classical music since 2009.
                (A) learnt                (B) learned                            (C) learn                                                (D) learns                              (E) learning

Q40. It was impossible to …… out the real culprit.
                (A) mark                 (B) point                                 (C) sketch                             (D) see                                  (E) balance

Directions—(Q. 41–50): In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage, against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

                A man was expecting a visit from an …(41)…. He wanted to welcome his guest in a special way, thus he gave two ripe mangoes to his servant and asked him to …(42)… and serve the fruit when the guest came. When the servant saw the mangoes he felt …(43)… to taste them. The moment his master left the room, the servant debated with himself, whether he should eat the mango or not. After a few moments of debate, the servant gave into temptation and ate a slice. It was so sweet he could not resist eating another one. Then another and then another. The madness of …(44)… seized him and he devoured all the remaining pieces. In no time, he had finished both the mangoes. Suddenly the servant saw the man; his master was expecting, coming towards the house. He thought fast and …(45)… a rusty knife from the kitchen. Then he rushed to his master and told him that he, couldn’t cut the mangoes as the knife was blunt. “I’ll sharpen it,” said his master and went to a stone in the garden to rub the cutting …(46)… of the knife against it. Leaving his master to the …(47)… the servant ran out to meet the man who was coming. “Beware ! Beware`!” he said when he reached him. “Don’t come to our house. My master has gone mad. He’s planning to cut both your ears.” “Cut my ears !” exclaimed the man, turning …(48)…. “There he is sharpening the knife.” said the servant. The man saw that his host indeed had a knife in his hands and was sharpening it frantically. He did not wait to find out …(49)… his host wanted his ears. He turned around and started walking away as fast as he could. The servant rushed back to his master and told him that the man he had invited was running away with the mangoes. “What ?” said his master, “The …(50)… fellow, has he taken both the mangoes ?” “Yes,” said the servant. The man ran after the acquaintance shouting : “Give me one ! Give me one at least !” The other man thought he was asking for one of his ears and ran for his life!

Q41.       (A) acquaintance (B) relative             (C) neighbour       (D) animal             (E) friend
Q42.       (A) spread             (B) slice                 (C) saute                               (D) keep                                (E) open
Q43.       (A) normal             (B) excited             (C) tempted          (D) nervous           (E) easy
Q44.       (A) robbing            (B) lying                 (C) fury                   (C) gluttony           (E) murdering
Q45.       (A) ignored            (B) forgot               (C) dug                  (D) grabbed          (E) bought
Q46.       (A) handle             (B) piece                                (C) edge                                (D) place                               (E) board
Q47.       (A) devil                  (B) fate                   (C) lane                 (D) place                               (E) task
Q48        (A) around             (B) pale                  (C) away                                (C) ahead                              (E) embarrassed
Q49.       (A) why                   (B) what                 (C) where              (D) which               (E) how
Q50.       (A) greedy              (B) strange            (C) foolish             (D) dumb                               (E) shy

English Answers: 1 (A), 2 (E), 3 (E), 4 (B), 5 (A), 6 (A), 7 (D), 8 (D), 9 (B), 10 (C), 11 (D), 12 (C), 13 (A), 14 (E), 15 (B), 16 (D), 17 (B), 18 (B), 19 (D), 20 (D), 21 (A), 22 (C), 23 (A), 24 (E), 25 (E), 26 (C), 27 (D), 28 (E), 29 (E), 30 (A), 31 (A), 32 (B), 33 (A), 34 (C), 35 (D), 36 (C), 37 (A), 38 (A), 39 (E), 40 (B), 41 (A), 42 (D), 43 (C), 44 (D), 45 (D), 46 (C), 47 (E), 48 (B), 49 (A), 50 (E)

pls update if any mistake is observed.

CSAT Coaching in Dehradun

2013-11-06T04:54:00.000-08:00

Batch Starting Soon:
Key Feature are as:
* Less student in a batch for individual attention,
* Weekly Paper Practice,
* Regular Doubt Clearing Sessions,
* Regular sessions by visiting Faculty,
* Motivational Sessions
Contact: Counsoler, Sahayak Institution, 38 Omkar Rd, Behind GPO, Adjoining Maa Durga Plaza, Dehradun, 9675418788, 9808555411

IBPO PO English Sample practice Paper - 60

2013-11-06T04:20:00.000-08:00

Pls check the VIGYAAPAN's of this site to help us.....

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, against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Once upon a time there was a river. He was …(1)… unfriendly. The river lived alone, and refused to share his water with any fish, plant or animal. Thus his life went on, sadly and filled with loneliness, for many centuries.

One day, a little girl with a fish bowl came to the bank of this river. In the bowl lived Scamp, her favourite little fish. The girl was about to …(2)… to another country, and she wouldn’t be able to take Scamp with her. So she had decided to give Scamp his freedom.

When Scamp …(3)… into the river, he immediately felt the river’s loneliness. He tried talking to the river, but the river asked him to go away. Scamp was a very happy little fish, and he wasn’t going to give up so …(4)…. He spoke to the river again, swam here and there, and finally he started jumping in and …(5)… of the water. The river felt tickled by all the jumping and splashing and …(6)… laughing. After a while, this put the river in such a good mood that he started talking to Scamp. Almost without knowing it, by the end of that day, Scamp and the river and become very good friends.

The river spent that night …(7)… about how much fun it was to have friends, and how much he had missed not having them. He asked himself why he had never had them, but he couldn’t remember. The next morning, Scamp …(8)… the river with a few playful splashes and that was when the river remembered why he had decided to be such an unfriendly river. He remembered that he didn’t like being tickled. He remembered perfectly how he had told everyone to scoot and that he wasn’t going to …(9)… up with all that tickling.

But, remembering how sad and lonely he had felt for so many years, the river realised that although it may sometimes be a bit inconvenient or uncomfortable, it was always …(10)… to have friends, than being lonely.

1. (A) so (B) total (C) very (D) extreme (E) full
Ans : (C)

2. (A) move (B) goes (C) visit (D) transferred (E) toured
Ans : (A)

3. (A) jump (B) fell (C) look (D) dives (E) slip
Ans : (B)

4. (A) long (B) sooner (C) nicely (D) easily (E) lazily
Ans : (D)

5. (A) in (B) beside (C) out (D) below (E) away
Ans : (C)

6. (A) stopped (B) started (C) felt (D) thought (E) heard
Ans : (B)

7. (A) forgetting (B) discuss (C) ignoring (D) thinking (E) gazing
Ans : (D)

8. (A) slept (B) woke (C) talked (D) irritate (E) splash
Ans : (C)

9. (A) live (B) stand (C) sit (D) light (E) put
Ans : (A)

10. (A) better (B) worse (C) sad (D) easy (E) happy
Ans : (A)

Directions—(Q. 11 to 15) Each sentence below has a blank, each blank indicating that something has been omitted. Choose the word that best fits the meaning of the sentence as a whole.

11. Meeta ……… many gifts on her birthday.
(A) get (B) pick (C) received (D) seen (E) have
Ans : (C)

12. Please ……… the website for all the updates.
(A) browsed (B) check (C) surfing (D) think (E) hacked
Ans : (B)

13. The garden was …… of flowers of different kinds.
(A) full (B) grow (C) crowd (D) held (E) smell
Ans : (A)

14. They have ………… us to find another alternative.
(A) tell (B) spoken (C) ask (D) advised (E) help
Ans : (D)

15. Pratik was …… for a bus.
(A) thinking (B) waiting (C) telling (D) reaching (E) jumping
Ans : (B)

Directions—(Q. 16 to 25) 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 number of that part is the answer. If there is No Error the answer is ‘E’. (Ignore errors of punctuation if any).

16. Meghalaya is (A) / also one of (B) / the north-eastern states (C) / of our country. (D) No error (E)
Ans : (E)

17. Santosh has volunteered (A) / to help in organising (B) / the Republic Day function (C) / about his locality. (D) No error (E)
Ans : (D)

18. The actor’s friends (A) / and family had (B) / decided to throw a (C) / surprise party for him. (D) No error (E)
Ans : (E)

19. Health experts since all (A) / over the country were (B) / invited to attend the (C) / conference in the city. (D) No error (E)
Ans : (A)

20. They had (A) / to mortgage their (B) / house in order to (C) / bear these expenses. (D) No error (E)
Ans : (E)

21. They had informed (A) / us that their (B) / Chennai trip was (C) / cancel due to the strike. (D) No error (E)
Ans : (D)

22. All the students (A) / had to attend for the (B) / industrial visit as (C) / it was compulsory. (D) No error (E)
Ans : (B)

23. The king was (A) / amused by the (B) / jester’s response (C) / to his question. (D) No error (E)
Ans : (D)

24. The boy was (A) / accused of stealing (B) / money as well goods (C) / from the shop. (D) No error (E)
Ans : (C)

25. She was be asked to (A) / write a report about (B) / the meeting that (C) / she attended yesterday. (D) No error (E)
Ans : (A)

Directions—(Q. 26 to 30) In each question below, four words printed in bold type are given. These are lettered (A), (B), (C) and (D). One of these words printed in bold may either be wrongly spelt or inappropriate in the context of the sentence. Find out the word that is inappropriate or wrongly spelt, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and appropriate in the context of the sentence then mark (E) i.e., ‘All correct as your answer.’

26. She has presented (A) her views (B) in a very unique (C) fashion. (D) All correct (E)
Ans : (E)

27. She misplaced (A) the book before (B) she could (C) reed (D) it. All correct (E)
Ans : (D)

28. There were more (A) than five thousend (B) people (C) in the auditorium. (D) All correct (E)
Ans : (B)

29. He has won many awards (A) for his research (B) in the field (C) of ecnomics. (D) All correct (E)
Ans : (D)

30. Dadar is none (A) of the most (B) populated areas (C) in Mumbai city. (D) All correct (E)
Ans : (A)

Directions—(Q. 31 to 35) Rearrange the following six sentences (1), (2), (3), (4), (5) and (6) in proper sequence to form a meaningful paragraph then answer the questions given below them.
(1) “Why waste time sharpening your weapons when there’s no danger in sight ?” said the fox, “You’re being foolish”.
(2) A wild boar was sharpening his tusks against a tree.
(3) “My tusks are my weapons,” said the boar, “I am sharpening them so that I can defend myself from any danger.”
(4) Frightened by the boar’s sharpened tusks, he turned towards the fox instead and preyed on him.
(5) A fox passing by, asked him what he was doing.
(6) Just then a tiger appeared on the scene.

31. Which of the following should be the first sentence in the rearrangement ?
(A) 6 (B) 1 (C) 3 (D) 4 (E) 2
Ans : (E)

32. Which of the following should be the second sentence in the rearrangement ?
(A) 5 (B) 2 (C) 6 (D) 4 (E) 1
Ans : (A)

33. Which of the following should be the fourth sentence in the rearrangement ?
(A) 6 (B) 5 (C) 2 (D) 3 (E) 1
Ans : (E)

34. Which of the following should be the fifth sentence in the rearrangement ?
(A) 3 (B) 6 (C) 4 (D) 1 (E) 5
Ans : (B)

35. Which of the following should be the last (sixth) sentence in the rearrangement ?
(A) 2 (B) 3 (C) 4 (D) 1 (E) 6
Ans : (C)

Directions—(Q. 36 to 50) Read the following passage carefully and answer the questions given below it. Certain words / phrases have been printed in bold to help you locate them while answering some of the questions.

A man called Ramaya lived in a small village. Despite being a nice man, he did not have any friends. It was well known in the town that anyone unfortunate enough to look at him first thing in the morning would not be able to have food that day. That was why no one in the town liked encountering Ramaya in the morning, if they could help it. As soon as the king heard this rumour he decided to try it out himself.

He summoned Ramaya to the palace and ordered him to sleep in a room adjacent to his bedchamber. Ramaya had no choice but to follow the king’s order. He feared that the rumour would come true. The next
morning, the first thing the king did after waking up, was to take a look at Ramaya. When the king reached the breakfast table, he saw that the royal chef had forgotten to prepare his favourite dish. This angered him and he refused to have breakfast. After finishing a few important duties in the court, the king went to the dining hall for lunch. The food arrived piping hot. The king had hardly picked up the first morsel when he caught sight of a fly in the food. He left the table in disgust and when the food was prepared again for him, he found that he had lost his appetite. At the dinner table, an ignorant minister started eating before the king had started. This offended the king. He stormed out of the dining hall and refused to come back. As a result, the king could not eat anything at all that day. The enraged king was now convinced that Ramaya was really jinxed. He ordered that Ramaya be hanged. In those days the king’s word was the law. The soldiers had no option but to take Ramaya to the gallows. While on their way to the gallows, they met the court jester. He heard the story from Ramaya. The jester felt that it was an unfair decision and that none of this was Ramaya’s fault. He came up with a plan to save Ramaya from being hanged. He whispered something in Ramaya’s ears. Ramaya nodded before being whisked away.

It was mandatory to grant one last wish to the person who was being hanged. When the soldiers asked Ramaya about his last wish, he asked them to convey a message to the king. He also requested that he be hanged only after hearing the king’s response. “Tell the king that while it may be true that anyone who sees my face first thing in the morning does not get anything to eat that day, it’s also true that if anyone sees the king’s face first thing in the morning, as I did, he has to lose his life. So who’s the greater jinx - the king or I ?” said Ramaya.

On hearing the message, the king was stunned. He realised his foolishness and ordered his soldiers to stop the execution. He summoned Ramaya and offered him gifts. He also requested Ramaya not to say anything about the incident to the public. He was sure that the people of the village wouldn’t take well to the idea of having a jinxed person for a ruler. Ramaya agreed. When the villagers saw Ramaya returning with the gifts, they assumed that the rumour was false and that the king had given the gifts to Ramaya as compensation. They were ashamed of their behaviour and swore that they would never ignore Ramaya.

36. Why had the king summoned Ramaya ?
(A) He wanted to have Ramaya executed
(B) He wanted all the villagers to realize their mistake and be friends with Ramaya
(C) He wanted to test the court jester’s intelligence
(D) He wanted to see Ramaya’s face, the first thing every morning
(E) He wanted to verify whether the rumour about Ramaya was true or false
Ans : (E)

37. According to the rumour, what would happen if someone saw Ramaya’s face, first thing in the morning ?
(A) That person would not get a chance to eat, the whole day
(B) That person would be executed by the king
(C) That person would eat the whole day
(D) That person would receive gifts from the king
(E) That person would become an outcast in the village
Ans : (A)

38. Why did the king refuse to eat breakfast ?
(A) The king had seen Ramaya’s face, first thing in the morning
(B) The royal chef had forgotten to cook the king’s favourite dish
(C) The royal chef had forgotten to prepare Ramaya’s favourite dish
(D) One of the ministers had insulted the king at the breakfast table
(E) The king was on a diet
Ans : (D)

39. What did the king do when he caught sight of a fly in the food during lunch ?
(A) He ignored it and finished the lunch
(B) He fired the chef and asked him to throw the food
(C) He simply left the dining hall in disgust
(D) He ordered his soldiers to kill Ramaya
(E) He asked his ministers to cook another meal
Ans : (C)

40. When was the king convinced that Ramaya was jinxed ?
(A) When he realised that he had not eaten the whole day after he had seen Ramaya’s face the first thing in the morning
(B) When he realised that each time he saw Ramaya, he fell sick
(C) When he heard the rumour that anyone who saw Ramaya’s face first thing in the morning would not get a chance to eat the whole day
(D) When he saw that the chef had not prepared his favourite dish on the day he had seen Ramaya’s face the first thing in the morning
(E) When the soldiers went to him with Ramaya’s final wish
Ans : (A)

41. Which of the following is true according to the given passage ?
(A) Ramaya had many friends in the village
(B) The king had dinner on the day he saw Ramaya’s face first thing in the morning
(C) Ramaya told the villagers that the king was jinxed
(D) One of the ministers had started eating before the king during dinner
(E) None is true
Ans : (D)

42. Arrange the following incidents in a chronological order as they occurred in the passage.
(1) The court jester met Ramaya , (2) Ramaya received gifts from the king
(3) Ramaya slept at the palace, (4) The villagers realised their mistake
(A) 1324 (B) 3214 (C) 3241 (D) 3142 (E) 3124
Ans : (E)

43. What was Ramaya’s last wish ?
(A) He wanted to have a meal with the king, (B) He wanted to talk to the court jester
(C) He wanted to pass on a message to the king, (D) He wanted to speak to a minister
(E) Not mentioned in the passage
Ans : (C)

44. What was the king’s request to Ramaya ?
(A) That Ramaya must accept that he is unlucky
(B) That Ramaya must tell the villagers that the king is very kind
(C) That Ramaya must not tell the villagers that a minister had insulted the king
(D) That Ramaya must not tell the villagers about the incident
(E) That Ramaya must not tell anyone about the gifts he had received
Ans : (D)

45. Who helped save Ramaya from being hanged ?
(A) The court jester, (B) The king, (C) The soldiers, (D) The villagers, (E) The chef
Ans : (A)

Directions—(Q. 46 to 48) Choose the word/group of words which is most similar in the meaning to the word/group of words printed in bold as used in the passage.

46. Adjacent to
(A) Far away (B) Beside (C) Opposite to (D) Same as (E) Below
Ans : (B)

47. Caught sight of
(A) Searched for (B) Forgot about (C) Suddenly noticed (D) Held (E) Nabbed
Ans : (C)

48. Unfair
(A) Dark (B) Unhappy (C) Unaware (D) Unreasonable (E) Rational
Ans : (D)

Directions—(Q. 49 and 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.

49. Refused
(A) Unused (B) Remembered (C) Agreed (D) Invited (E) Declined
Ans : (B)

50. Ordered
(A) Requested (B) Unplanned (C) Punished (D) Silenced (E) Explained
Ans : (A)

CTET TET coaching By Sahayak Institution - Chukkuwala, Dehradun

2013-11-04T07:14:00.000-08:00

CTET and TET coaching classes in Dehradun

This batch will have only CTET/TET students.

* Max 7-10 students in a batch, with study material and Paper practice,
* Crash course is going to start from 10th NOV 2013,
* All major subjects covered, special classes for Maths and for week students
* Paper Practice
* Print Material is given
* Class timings morning 7:30

In last CTET we gave 60% result.

Contact details:

9808555411, 9675311161
Omkar rd Behind GPO Chukhuwala dehradun

Important Latest GK/GS Current Affairs Questions September 2012 for Bank PO/Clerk/SSC

2012-09-13T08:55:00.004-07:00

Latest Current Affairs

Smiling Armadillo to be the official Mascot of 2014 FIFA World Cup, Brazil
Environment clearance of 99 Mines in Goa suspended
The Islamabad Women’s Chamber of Commerce and Industry and the PHDCCI signed MoU
Suspension of Environment clearances for 99 Mines in Goa
State-owned Bank of India opened its first branch in South Africa
US Diplomat to Libya killed in Benghazi Attack
Cartoonist Assem Trivedi granted bail by Mumbai High Court
Government reduced Interest Rates on rescheduled Crop Loans from 12 to 7 Percent

National Current Affairs

Supreme Courts Notice to Tamil Nadu on the petition that challenged 69% quota in the state
Environment clearance of 99 Mines in Goa suspended
Supreme Court: media can be restrained from pressing trials during proceedings
Government reduced Interest Rates on rescheduled Crop Loans from 12 to 7 Percent

International Current Affairs

Differences grew in between China and Japan over the disputed Diayo Islands
The Islamabad Women’s Chamber of Commerce and Industry and the PHDCCI signed MoU
US Diplomat to Libya killed in Benghazi Attack
India and Saudi Arabia held their first talk on defence ties

Economy Current Affairs

Cabinet gave a nod to two subsidiaries of Air India: AIESL and AITSL
Government cleared Rs 808 crore FDI proposal by Cloverdell
EGoM cut down the loan interest rate to 7 percent in the drought affected areas
Karnataka agreed to release 10,000 cusecs of water to Tamil Nadu

Sports Current Affairs

Andy Murray became the first British man to capture a Grand Slam single championship after 76 years
Lewis Hamilton became the winner of Italian Grand Prix 2012
Smiling Armadillo to be the official Mascot of 2014 FIFA World Cup, Brazil
Klitschko retains his heavy weight title by defeating German Manuel Charr

Environment and Ecology Current Affairs

Jal Satyagraha came to an end after 17 days demonstration on a victory note
Supreme Court asked the Centre to Prepare revised Guidelines for Tourist Activities
Supreme Court extended the ban on Tourism Activities in Tiger Reserves
Suspension of Environment clearances for 99 Mines in Goa

Latest Current Affairs September 2012 important for Bank PO Clerk SSC

2012-09-10T01:34:00.001-07:00

Latest Current Affairs

Serena Williams won Women's Singles US Open 2012
Verghese Kurien the White Revolutionary and the Milkman of India Died
Partnership in between Alstom Grid and Toshiba Corp
India’s first multi-lateral Social Science research collaboration with four European Nations
Cabinet gave a nod to two subsidiaries of Air India: AIESL and AITSL
Padamshree Dr. AN Purohit awarded with Shiksha Ratna Award by Petroleum University
Government cleared Rs 808 crore FDI proposal by Cloverdell
Mamta Banerjee listed among 50 most influencing finance personality

National Current Affairs

Supreme Court of India upheld the death sentence of Mumbai Terror Attack Convict Ajmal Amir Kasab
Special Court convicted 32 People in Naroda Patiya Riot Case
The Government approved a Complete Ban on Employment of Children
Supreme Court directed the Government to re-fix the Pay Scale of Army Officers

International Current Affairs

India and Tajikistan went ahead on strategic partnership and signed six agreements
Sixth Mekong–Ganga Cooperation meeting held in New Delhi
India established Diplomatic Relations with Niue
US uplifted ‘terrorist’ designation from Nepali Maoists

Economy Current Affairs

Cabinet gave a nod to two subsidiaries of Air India: AIESL and AITSL
Government cleared Rs 808 crore FDI proposal by Cloverdell
Supreme Court extended Deadline for 2G Spectrum Auction
SEBI allowed Partial Flexibility in IDRs for Investors

Sports Current Affairs

Indu’s triumph with a bronze at World Junior Championship, Pattava
Special Committee recommended and submitted the report in favor of Hockey India managing the Game
Serena Williams won Women's Singles US Open 2012
High jumper Girisha won silver at Paralympic 2012, London

Environment and Ecology Current Affairs

NASA’s Scientists warned Earth might face More Heat Waves
Parliamentary Panel on Agriculture recommended to ban GM Food Crops
Supreme Court extended the ban on Tourism Activities in Tiger Reserves
Ministry of Environment and Forest issued Advisory to reduce the Impact of Communication Towers

Science and Technology Current Affairs

Scientists developed a Gene Therapy which can restore the Sense of Smell
Ring-Planet Saturn and Red Planet Mars paired in the Sky
India’s first multi-lateral Social Science research collaboration with four European Nations
Australian Scientists discovered Alzheimer's Treatment

Banking Services Chronicle August'12- Monthly Magazine Review

2012-09-08T04:57:00.002-07:00

Banking Services Chronicle August'12- Monthly Magazine Review

This post will give you an idea about the Monthly Magazine Banking Services Chronicle. This report it made by our institute Faculty Team.

Index: In earlier edition this was missing but in this edition it is available.

Current Topics: The topic discussed are all relevant and important.

Event Calendar: Again Event Calendar (Day wise event detail) missing.

Economic Section: As this book is for bank entrance preparing student, but Economy section is not up to the mark, like other magazines.

Questionnaires: Sample Questionnaires (topic wise) are missing in the book.

Sample Papers: Positive aspect in the magazine is, it is containing sample paper for bank PO/clerk.

GD: No GD is found in the issue.

Sample : Some good at least one quality interview section need to be there.

Topic Discussion: No topics for any subjects i.e, English (improve your english), Reasoning, Numeric Ability, etc is there to help students.

General Awareness: GA is totally missing, only some questions are available in practice papers.

Overall rating of the Magazine is : 6 out of 10.

Reference Magazine is : Banking Services Chronicle, September 2012,

Summary: In this edition good numbers of practice papers are given but again the magzine is not solvery its purpose of providing GK. The magazine is OK to get the rough knowledge but if one is seriously preparing for Bank paper then this Magazine is not going to help. One must check other Magazines available in the market.

Pratiyogita Kiran English/Hindi September'12- Monthly Magazine Banking

2012-09-05T00:03:00.003-07:00

This post will give you an idea about the Monthly Magazine Pratiyogita Kiran English/Hindi September'12. This report it made by our institute Faculty Team.

Current Topics: The topic discussed are all relevant and important.

Event Calendar: Event Calendar (Day wise event detail) is available for major events.

Economic Section: As this book is for bank entrance preparing student, but Economy section is ok, like other magazines.

Questionnaires: Sample Questionnaires (topic wise) are given in the book.

Sample Papers: Positive aspect in the magazine is, it is containing sample paper for bank PO/clerk.

GD: Group discussion is found in the issue.

Sample : Interview section is not up to the mark in this section.

Topic Discussion: English grammar topic is discussed in this section.

General Awareness: GA is there, only some questions are available in practice papers.

Overall rating of the Magazine is : 8 out of 10.

Reference Magazine is : Pratiyogita Kiran English/Hindi September'12

Important HINDI CTET Questions /Sample Papers

2012-09-03T05:13:00.002-07:00

Dear Reader pls visit to VIGGYYAPS also to help us:

कुछ महतवपूर्ण विलोम शब्द सी टी ई टी के लिए

1. सुरुचि - कुरुचि
2. नवीन - प्राचीन
3. लोकिक - अलोकिक
4. स्मृति - विस्मृति
5. कृतज्ञ - क्रिताघन
6. उत्कृष्ट - निक्रठ
7. मुख्य - गोण
8. स्वतंत्र - परतंत्र
9. उदार - अनुदार
10. उपकार - अपकार
11. निरुदेशय - सोदेश्या
12. प्रत्यक्ष - परोक्ष
13. कथ्य - अकथ्य
14. ईश्वरवादी - अनीश्वरवादी
15. निष्काम - सकाम
16. सुबोध - दुर्बोथ
17. सूक्षम - स्थूल
18. स्वार्थ - परमार्थ
19. अज्ञ - विज्ञ
20. आर्य - अनार्य

CTET Sample Question Paper on English Language - 4

2012-08-31T04:44:00.000-07:00

Dear reader you can visit to VIGYAAPPANNS on this site to help us.

TET/CTET Teacher Eligibility Test English language Solved Question Paper

LANGUAGE II ENGLISH

Directions: Read the passage given below and answer the questions by selecting the most appropriate option.

1. This was one of the Old Man's pet schemes; and one about which he would brook no interference. Each child would review the events of his school week in his own words, in his own way; he was free to comment, to criticize, to agree or disagree, with any person, subject or method, as long as it was in-some way associated with the school. No one and nothing was sacred, from the Headmaster down, and the child, moreover, was safe from any form of reprisal.

2. "Look at it this way," Mr. Florian had said. "It is of advantage to both pupil and teacher. If a child wants to write about something which matters to him, he will take some pains to set it down as carefully and with as much detail as possible; that must in some way improve his

written English in terms of spelling, construction and style. Week by week we are able, through his reviews, to follow and observe his progress in such things. As for the teachers, we soon get a pretty good idea what the children think of us and whether or not we are getting close to them. It may sometimes be rather deflating to discover that a well-prepared lesson did not really excite Johnny Smith's interest, but, after all, the lesson was intended to benefit Johnny Smith, not his teacher.

1. The scheme, according to the Old Man, was useful because

(1) it was excellent feedback for the teacher, principal and school , (2) he was slightly eccentric

(3) it was meant to humiliate the teacher , (4) it was meant to give power to the teacher

Ans: (1)

2. 'Pet schemes' in line 1 refers to

(1) a student he is fond of , (2) a formula he had discovered , (3) a pet animal , (4) a method he has advocated

Ans: (4)

3. The 'Old Man' refers to

(1) a parent of the school , (2) a student of the school , (3) a teacher of the school , (4) the headmaster called Mr. Florian

Ans: (4)

4. The advantages of the scheme were many. Pick out the disadvantage from the list given below.

(1) Sometimes deflating to the teacher's ego , (2) Diagnostic and remedial for the student and the teacher

(3) Effective feedback , (4) Enhanced writing skills

Ans: (1)

5. 'Sacred' in the context of the Headmaster means

(1) that even 'he' was not above the 'scheme' he advocated for students , (2) he believed in the sacred nature of all life

(3) that he was a holy man , (4) that he was the powerful head of the school

Ans: (1)

6. 'Brook' as a verb means 'to tolerate' in para l. As a noun, it means

(1) Tolerance , (2) Allow , (3) Suffer , (4) Stream

Ans: (4)

Directions: Read the passage given below and answer the questions by selecting the most appropriate option.

1. Karuna Verma is bewildered. "I don't know how she did it," she says about her mother, Renu Chopra. Karuna's childhood memories are of her father leaving late for office so that, by then, her mother would be-back from work. Of her parents working in sync to make sure the kids were well taken care of .Of her mother handling kitchen and classroom with ease.

2. When her own daughter was born, Karuna too wanted to do the balancing act. But it did not turn out to be as easy as it seemed. For starters, her parents' era was different from hers. As she was living with her husband in Andheri, Mumbai, away from their families, resuming work would have meant leaving her daughter with a maid while she was away. Her daughter's formative years would be spent with an outsider, a thought that did not appeal to Karuna. She quit her teaching job in a school.

3. For a woman who was encouraged to be independent. throughout her life, the decision to quit and stay at home was a difficult one. Ironically it was her mother who urged her to quit the job and become a full-time mother. For Karuna, being a housewife is one of the tougher jobs she has had. "I have no time for myself," says Karuna. "I make sure all my personal work is done when Avni is asleep. Earlier I had a set routine. My husband and I used to wake up at 6 a.m. I would re-heat the food the maid had cooked the day before and pack it for lunch. Then we used to head off to work, and at night, we would go out. I had a lot of time to myself and for my husband then," says

Karuna.

4. The routine is quite different now. Karuna has taken to cooking. She wakes up quite early and makes sure all her work is done before the baby is up. The rest of the day flies by, pandering to two-year-old Avni's needs.

7. Karuna Verma is bewildered at

(1) the responsibility of bringing up a daughter in a big city , (2) her mother's ability to combine her career with household work

(3) the amount of work that she has to do after becoming a mother , (4) the late hours of work that her father followed

Ans: (2)

8. ' ... parents working in sync' means

(1) father earning and mother taking care of children , (2) parents having staggered office hours and sharing household work

(3) parents pooling their resources together to take care of expenses

(4) husband and wife sinking their differences to preserve domestic harmony

Ans: (2)

9. ' Karuna too wanted to do the balancing act.' In this sentence, the term 'balancing act' implies

(1) managing the time efficiently so that parents can spend quality time with their children

(2) making adjustments in order to balance work and leisure properly

(3) sharing of responsibilities by both husband and wife

(4) a mother's ability to look after her child without quitting her job

Ans: (1)

10. 'As she was living with her husband in Andheri, Mumbai, away from their families............ . In this

sentence 'their families' refers to

(1) Families of friends in Andheri, Mumbai , (2) Karuna's parents and in-laws

(3) Karuna's mother and father's families , (4) Karuna's husband's family

Ans: (2)

11. Karuna's parents and her husband's parents probably lived

(1) in Mumbai but not in Andheri , (2) with Karuna and her husband

(3) in Andheri, Mumbai , (4) in some other city

Ans: (4)

12. Karuna decided to quit her job because

(1) she wanted to have more time, to herself and for her husband

(2) she wanted to pay more attention to her cooking

(3) she Was not interested in her teaching job

(4) she did not want her daughter to spend her early years with a maid

Ans: (4)

13. It was ironical that Karuna's mother should advise her to quit her job and stay at home because

(1) Karuna's parents had always advised her that home was much more important than career

(2) Karuna's mother herself had not quit her job to take care of children as she encouraged independence of women

(3) Karuna herself was keen on quitting her job

(4) Karuna's parents had insisted that household chores should be shared between husband and wife

Ans: (2)

14. After Karuna quit her job

(1) she sent her maid away as she felt that the maid was a bad influence on Avni

(2) she had no time for herself as Avni needed all her attention and care

(3) she had a lot of time to herself and for her husband

(4) she occupied herself with cooking to spend her time usefully

Ans: (2)

15. "I have no time for myself," says Karuna. This sentence can be written in reported speech as

(1) Karuna said that she had no time for herself

(2) Karuna says that she had no time for herself

(3) Karuna says that she have no time for herself

(4) Karuna said that she had no time for myself

Ans: (1)

Directions—(Q. 16–20) Each sentence has one or two blanks. Choose the word or set of words that best completes the sentence meaningfully.

16. He went to the library ......... to find that it was closed.

(A) seldom , (B) never , (C) only , (D) solely

Ans : (C)

17. The ties that bind us together in common activity are so .........that they can disappear at any moment.

(A) tentative , (B) tenuous , (C) consistent , (D) restrictive

Ans : (B)

18. Her reaction to his proposal was .......... She rejected it ..........

(A) inevitable–vehemently , (B) subtle–violently , (C) clever–abruptly , (D) sympathetic–angrily

Ans : (A)

19. His ......... directions misled us we did not know which of the two roads to take.

(A) complicated , (B) ambiguous , (C) narrow , (D) fantastic

Ans : (B)

20. It would be difficult for one so ......... to believe that all men are equal irrespective of caste, race and religion.

(A) emotional , (B) democratic , (C) intolerant , (D) liberal

Ans : (C)

Directions—(Q. 21–25) Fill in blanks by selecting appropriate alternative.

21. I met him only a week ..........

(A) back , (B) past , (C) ago , (D) previous

Ans : (C)

22. Lovey asked me ..........

(A) why are you angry ? , (B) why I am angry ? , (C) why I was angry ? , (D) why was I angry ?

Ans : (C)

23. Even after repeated warnings, he ......... to office on time.

(A) never come , (B) never comes , (C) is never coming , (D) have never come

Ans : (B)

24. He told his wife that ......... from Germany.

(A) he will like to visit France , (B) he was liking to visit France

Ans : (C)

25. Some people can ......... even with murder.

(A) get on , (B) get out , (C) get off , (D) get away

Ans : (D)

Check this blog for CTET Sample Question Paper on Child Development and Pedagogy, Numeric Ability & Teaching Aptitute

Important Lattest Current Affairs for Bank PO/Clerk August 2012

2012-08-21T04:55:00.001-07:00

Latest Current Affairs

South Africa replaced England as the World’s Number One Cricket Team
Regulator SEBI permitted seven Alternative Investment Funds (AIFs) to start Operation in India
Mahesh Bhupati and Rohan Bopanna finished Runners-up in the Cincinnati Masters
Delhi State Government launched Kerosene-free Delhi Scheme
India’s Retail Inflation declined to 9.86 percent in July 2012
PJ Kurien elected the Deputy Chairman of Rajya Sabha
Ethiopian Prime Minister Meles Zenavi passed away
Roger Federer and Li Na won Cincinnati Masters

National Current Affairs

Delhi High Court approved the Guidelines for Media Reporting on Children
Bimal Gurung sworn in as the Head of Gorkhaland Territorial Administration
Supreme Court of India ordered Better Healthcare for Bhopal Gas Tragedy Victims
BCCC asked TV Channels to be Extra-cautious while Showing Violence against Women

International Current Affairs

Lakhdar Brahimi appointed New Joint Special Representative of UN and Arab League for Syria
Myanmar abolished Censorship of the Country's Media
India to cut Import Duties on 234 Items from Pakistan
Ethiopian Prime Minister Meles Zenavi passed away

Economy Current Affairs

Inter-ministerial group recommended Linking Patented Drug Prices to Per-capita Income
Regulator SEBI permitted seven Alternative Investment Funds (AIFs) to start Operation in India
India’s Retail Inflation declined to 9.86 percent in July 2012
CAG pegged Public Exchequer’s Loss at 1.86 Lakh Crore in Coal Blocks Allocation Scam

Sports Current Affairs

South Africa replaced England as the World’s Number One Cricket Team
Roger Federer and Li Na won Cincinnati Masters
Mahesh Bhupati and Rohan Bopanna finished Runners-up in the Cincinnati Masters
IOA set up Three-Member Committee to resolve Issues in Indian Hockey

Environment and Ecology Current Affairs

Parliamentary Panel on Agriculture recommended to ban GM Food Crops
World Bank approved 1100 Crore Rupees Loan for Himachal Pradesh
Indian Project won the World Environment Day Challenge
Ministry of Environment and Forest issued Advisory to reduce the Impact of Communication Towers

Banking Services Chronicle July'12- Monthly Magazine Review

2012-08-21T04:49:00.002-07:00

This post will give you an idea about the Monthly Magazine Banking Services Chronicle. This report it made by our institute Faculty Team.
Index: In earlier edition this was missing but in this edition it is available.
Current Topics: The topic discussed are all relevant and important.
Event Calendar: Again Event Calendar (Day wise event detail) missing.
Economic Section: As this book is for bank entrance preparing student, but Economy section is not up to the mark, like other magazines.
Questionnaires: Sample Questionnaires (topic wise) are missing in the book.
Sample Papers: Positive aspect in the magazine is, it is containing sample paper for bank PO/clerk.
GD: No group discussion is found in the issue.
Sample : No sample/real interview section is found.
Topic Discussion: No topics for any subjects i.e, English (improve your english), Reasoning, Numeric Ability, etc is there to help students.
General Awareness: GA is totally missing, only some questions are available in practice papers.

Overall rating of the Magazine is : 6 out of 10.

Reference Magazine is : Banking Services Chronicle, September 2012, Vol 19, No 12

Summary: In this edition good numbers of practice papers are given but again the magzine is not solvery its purpose of providing GK. The magazine is OK to get the rough knowledge but if one is seriously preparing for Bank paper then this Magazine is not going to help. One must check other Magazines available in the market.

CTET Sample Question Paper on EVS (Science) 4

2012-08-16T23:16:00.001-07:00

Dear Reader pls visit to VIGYASPANS also to help us for better service ...............

Check this blog for other CTET Sample Question Paper on Child Development and Pedagogy, Teaching Aptitute, Numeric Ability, English, Hindi

Q1. The science of classification of organisms is called:
(a) Astrology, (b) Anatomy , (c) Taxonomy , (d) Morphology

Q2. Which statement is incorrect as the function of Nyaya Panchayat?
(a) It maintains village schools , (b) It runs health centres, (c) It gives loans to the farmers , (d) All of the above

Q3. Who was known as the frontier Gandhi:
(a) Jawahar Lal Nehru, (b) Ali brothers , (c) Khan Abdul Ghaffar Khan , (d) Jinina

Q4. Who was called the grand old man of the Indian National Congress?
(a) Lala Lajpat Rai, (b) Sardar vallabh bhai patel, (c) Mahatma Gandhi , (d) Dadabhai Naoroji

Q5. Who was called Deshbandhu?
(a) Lala Lajpat Rai, (b) Chandra Shekhar Azad , (c) Chittarajan Das , (d) Bal Gangadhar Tilak

Q6. The rock which is harder than its original constituent is:
(a) Sedimentary rock , (b) Igneous rock , (c) Metamorphic rock , (d) Coal

Q7. Environmental pollution has taken place on a large scale in:
(a) Rural areas only, (b) Industrial and urban areas , (c) Urban areas only, (d) All of the above

Q8. The release of water vapour from the leaves is:
(a) Evaporation , (b) Transpiration , (c) Frost , (d) Dew

Q9. What is the source of income of the Panchayats?
(a) House Tax , (b) Education Tax, (c) Income Tex, (d) Transport Tax

Q10. A joint sitting of the two houses in called by
(a) The members of parliament , (b) The President , (c) The Speaker of Loksabha, (d) The defense minister

Q11. The Prime Minister whose death occurred outside India was
(a) Mr. V.P. Singh , (b) Mr. Chaudhary Charan Singh, (c) Sh. Lal Bahadur Shastri , (d) Chandra Shekhar

Q12. Who can be appointed as the governor of the state?
(a) The citizen of Delhi, (b) He must be not less than 35 years of age , (c) He must hold office of profit , (d) All

Q13. The gap between the two consecutive sessions of the Parliament cannot be more than
(a) 2 months, (b) 3 months, (c) 6 months , (d) 9 months

Q14. The number of members in the Lok Sabha should not exceed:
(a) 465, (b) 545 , (c) 553, (d) 605

Q15. The painting called Last Super and monalisa was painted by
(a) Leonardo da Vinci , (b) Raphael , (c) Michael Angelo, (d) Van Gogh

Q16. Marasmus is likely in children who get
(a) Low – iron diet, (b) Low diet, (c) Low – fat diet, (d) Low – protein diet

Q17. Citrus fruit is source of
(a) Vitamin B, (b) Vitamin C, (c) Iodine, (d) Vitamin A

Q18. Calcium deficiency occurs in the absence of vitamin
(a) D, (b) K, (c) C, (d) A

Q19. Which of the following sets includes the bacterial disease?
(a) Diphtheria, SARS, Common Cold, (b) Malaria, leprosy, Typhoid, (c) Tetanus, Tuberculosis, Measles, (d) Malaria, Mumps, Swine Flue

Q20. Electrolyte used in voltaic cell is:
(a) Sulphuric acid, (b) Phosphovic acid, (c) Nitric acid, (d) Carbonic acid

Q21. Three resistances of 20 W, 15W and 20W are connected in series, the equivalent resistance will be:
(a) 45W, (b) 60W, (c) 25W, (d) 55W

Q22. The resistance of a conductor _______________ with rise in the temperature.
(a) Increases, (b) Decreases, (c) Remains the same, (d) First increases then decreases

Q23. The wire having a black plastic covering is a
(a) Live wire, (b) Neutral wire, (c) Earth wire, (d) None of these

Q24. Electromagnets are used in
(a) Electric bells
(b) Telephones
(c) Dynamos
(d) None of these

Q25. Which of the following diseases is caused by a virus?
(a) Dysentery
(b) T.B
(c) Influenza
(d) Malaria

Q26. Balanced diet should have
(a) Protein 2/5, fat 3/5, carbohydrate 1/5, (b) Protein 3/5, fat 1/5, carbohydrate 2/5
(c) Protein 1/5, fat 1/5, carbohydrate 3/5, (d) Protein 1/2, fat ¾, carbohydrate 1/4

Q27. Which of the following statements about a balanced chemical equation is not true?
(a) Mass is conserved only, (b) Atoms are conserved only
(c) Molecules are conserved only, (d) All of these

Q28. Atomic theory was given by
(a) John Dalton, (b) Neils Bohr, (c) E. Rutherford, (d) J.J Thomson

Q29. If we open a bottle of perfume, its smell spreads in the entire room within a short time due to the process of
(a) Evaporation, (b) Sublimation, (c) Diffusion, (d) Solution

Q30. Which out of the following is a heterogeneous mixture?
(a) Milk, (b) Soil, (c) Smoke, (d) All of these

ANSWERS
1. (c) , 2. (d) , 3. (c) , 4. (d , 5. (c) , 6. (c) , 7. (b) , 8. (b) , 9. (a) , 10. (b), 11. (c) , 12. (b) , 13. (c) , 14. (b) , 15. (a), , 16. (b), 17. (b), 18. (a), 19. (c), 20. (a), 21. (d), 22. (a), 23. (b), 24. (a), 25. (c), 26. (c), 27. (d), 28. (a), 29. (c), 30. (d),

Quantitative Aptitude by R S Aggarwal, S Chand – Book Review

2012-07-13T05:11:00.003-07:00

Quantitative Aptitude by R S Aggarwal, S Chand – Book Review

This post will give you an idea about the Book Quantitative Aptitude by R S Aggarwal, S Chand. This report is generated/created by our institute's Faculty Team.

Topics: Almost all the topics are there in this book.
Questions: A good numbers of questions are ther in this book except trignometory, log, DI.
Sample Papers: No Sample Paper in the book.
Chapters: The book contains most of the chapters for Bank PO and Clerk, but the book is missing chapters on Tringle, algebra, detailed trignometory, detailed log, etc and these are the important chapters for SSC papers.

Overall rating of the Magazine is : 8 out of 10.

Important Current General Awareness/Knowledge Questions for SBI Clerk/ PO and IBPS Clerk/PO – 52

2012-07-11T02:34:00.003-07:00

Dear Reader Pls help us by visiting to VIGYAAPANS.....

1. Which Indian-American won the Scripps National Spelling Bee competition in Maryland, USA, in June 2012? (This is the 5th consecutive win for Indian-Americans)
1) Stuti Mishra, 2) Arvind Mahamkali, 3) Snigdha Nandipati, 4) Vanya Shivshankar, 5) None

2. Who became the 25th Chief of the Indian Army on May 31, 2012?
1) J.J.Singh, 2) Bikram Singh, 3) V.K.Singh, 4) Dalbir Singh Suhag, 5) None

3 Which country's Prime Minister was India's chief guest of honor at the 63rd Republic Day Parade on January 26, 2012?
1) Cambodia, 2) Australia, 3) Bangladesh, 4) Thailand, 5) Russia

4. Which is India's highest peacetime gallantry award?
1) Param Vir Chakra , 2) Maha Vir Chakra, 3) Ashok Chakra, 4) Kirti Chakra, 5) Shourya Chakra

5. The 10th Pravasi Bharatiya Divas (PBD) conclave was held in Jaipur from January 7 to 9, 2012. Who was the chief guest for this conference?
1) Lakshmi Nivas Mittal, 2) Datuk S.Subramaniam, 3) Yingluck Shinawatra
4) Anand Satyanand, 5) Kamla Persad Bissessar

6. Which city hosted the 99th Indian Science Congress in January 2012?
1) Chennai, 2) Pune, 3) New Delhi, 4) Bhubaneshwar, 5) Bangalore

7. According to a report on hunger and malnutrition (HUNGaMA), what percent of India's children are malnourished and underw-eight?
1) 42, 2) 32, 3) 38, 4) 48, 5) 53

8. The proposed National Counter Terrorism Centre (NCTC) will work as an integral part of which of the following agencies?
1) Central Bureau of Investigation (CBI), 2) Intelligence Bureau (IB)
3) National Investigation Agency (NIA) , 4) Research and Analysis Wing (RAW)
5) National Security Guard (NSG)

9. India and Thailand have decided to develop a seaport at Dawei, earlier known as Tavoy. In which Asian country is this town located?
1) Thailand, 2) Cambodia, 3) Myanmar, 4) Vietnam, 5) Laos

10. Who is the defense secretary of the United States of America?
1) Leon Panetta, 2) John Bryson, 3) Tom Vilsack, 4) Eric Holder, 5) None

11. Nathpa Jhakri, India's largest hydroelectric project generated 7,610 million units of electricity in 2011-12 which is a record. In which state is this project located?
1) Assam, 2) Arunachal Pradesh, 3) West Bengal, 4) Himachal Pradesh, 5) None

12. Which state has instituted the Mallikarjun Mansur award?
1) Madhya Pradesh, 2) Maharashtra, 3) Odisha, 4) Goa, 5) Karnataka

13. Which state made Chess classes compulsory in schools to impr-ove cognitive skills of students from this academic year? (Gujarat is the first state to start chess programmes in schools)
1) Andhra Pradesh , 2) Tamil Nadu, 3) Kerala, 4) Bihar, 5) Jharkhand

14. Who became the new President of the Federation of Indian Cha-mbers of Commerce and Industry
(FICCI) in January 2012?
1) Naina Lal Kidwai , 2) Sidharth Birla, 3) R.V. Kanoria, 4) Shikha Sharma, 5) None

15. Homai Vyarawala passed away recently. She is India's first woman?
1) Jnanpith award winner, 2) Photo journalist, 3) Mountaineer, 4) Cricketer, 5) None

16. Which of the following is not a National Bravery Award?
1) Geeta Chopra Award, 2) Sanjay Chopra Award, 3) Bharat Award, 4) Bapu Gaidhani Award
5) Chameli Devi Jain Award

17. Who was given the Mahatma Gandhi International Award for Peace and Reconciliation in Bodh Gaya in 2012?
1) Aung San Suu Kyi, 2) Nelson Mandela, 3) Dalai Lama, 4) Ela Bhatt, 5) Sheikh Hasina

18. Who won the best actor award at the 57th Filmfare Awards 2011?
1) Hrithik Roshan, 2) Shah Rukh Khan, 3) Aamir Khan, 4) Ranbir Kapoor, 5) None

19. Francois Hollande became the President of which of the following countries in May 2012?
1) Netherlands, 2) Germany, 3) France, 4) Greece, 5) Spain

20. Rahul Khullar took charge as the Chairman of which of the following regulators on May 14, 2012?
1) Insurance Regulatory Development Authority, 2) Telecom Regulatory Authority of India
3) Pension Fund Regulatory Development Authority, 4) Securities Exchange Board of India
5) None

21. The Standing Committee of the Inter State Council has been reconstituted. Who is the Chairman of this committee?
1) P.Chidambaram, 2) Pranab Mukherjee, 3) Sharad Pawar, 4) M.Veerappa Moily, 5) Mukul Roy

22. Who is the Chairman of the Atomic Energy Commission and Secretary of the Department of Atomic Energy?
1) K.Radhakrishnan, 2) V.K.Saraswat, 3) Avinash Chander, 4) Ratan Kumar Sinha, 5) None

23. Who has been nominated for the first 'Tagore Award for Cultural Harmony' in May 2012? (It was instituted by the Government to commemorate the 150th birth anniversary of Nobel Laureate Rabindranath Tagore)
1) Anna Hazare, 2) Pandit Ravishankar, 3) Amartya Sen, 4) Shanta Sinha, 5) None

24. Which country has launched Hatf III (Ghaznavi), a short range ballistic missile capable of carry-ing both nuclear and conven-tional warheads across 290 km?
1) Iran, 2) Afghanistan, 3) Pakistan, 4) Iraq, 5) Syria

25. The Union Cabinet cleared a Rs.8500 crore project under the Pradhan Mantri Gram Sadak Yojana (PMGSY) to connect how many habitations in the 78 naxalite affected districts of nine states?
1) 6000, 2) 5000, 3) 10000, 4) 4000, 5) 20000

26. Who among the following is not a woman squash player?
1) Joshna Chinappa, 2) Dipika Pallikal, 3) Anaka Alankamony, 4) Aparajitha Balamurukan, 5) Preeja Sreedharan

27. Which city hosted the Nuclear Security Summit in March 2012?
1) Washington D.C., 2) Perth, 3) Seoul, 4) Paris, 5) None

28. India has voted against which of the following countries at the United Nations Human Rights Council (UNHRC) in Geneva for its alleged war crimes?
1) Sudan, 2) North Korea, 3) Rwanda, 4) Sri Lanka, 5) None

29. Who was chosen for the Saraswati Samman 2011 for his book on Ramayana? (This literary prize is awarded by the K.K. Birla Foundation)
1) Surjit Paatar , 2) A.A.Manavalan, 3) Lakshmi Nandan Bora, 4) K.Ayyappa Panicker, 5) Jagannath Prasad Das

30. In the Union Budget for 2012-13, how many crores of rupees are allocated for the National Rural Livelihood Mission (NRLM)?
1) 3,534, 2) 5,615, 3) 3,915, 4) 2,914, 5) 4,535

31. Which of the following Cups/Trophies is associated with Lawn tennis?
1) Santosh Trophy, 2) Davis Cup, 3) FIFA Cup, 4) Subrato Cup, 5) Copa America

32. Coin of which of the following denominations is called small coin?
1) Rs.5/-, 2) Rs.2/-, 3) 50 paisa, 4) Rs.1/-, 5) None

33. Who among the following is not a Deputy Governor of the Reserve Bank of India at present?
1) K.C.Chakraborty, 2) Anand Sinha, 3) Subir Gokarn, 4) H.R.Khan, 5) Usha Thorat

34. What does the letter F denote in NBFC, a banking term?
1) Fiscal, 2) Financial, 3) Functional, 4) Formal, 5) None

35. Who is the author of the book "Unleashing India"?
1) Kamal Nath, 2) S.Jaipal Reddy, 3) Veerappa Moily, 4) P.Chidambaram, 5) Pranab Mukherjee

36. Which programme was launched in 2009 to create a slum free India?
1) Indira Awas Yojana, 2) Rajiv Awas Yojana, 3) Bharat Nirmanm, 4) PURA, 5) None

37. Which of the following is a credit rating agency of Indian origin?
1) FMC, 2) SEBI, 3) CRISIL, 4) IBA, 5) None

38. Sensex is a term associated with which of the following stock exchanges?
1) BSE, 2) NSE, 3) USE, 4) OTCEI, 5) None

39. Who was awarded the Nobel Prize in Literature in 2011?
1) Ralph Steinman, 2) Bruce Beutler, 3) Jules Hoffman, 4) Tomas Transtromer, 5) None

40. Who is the present Solicitor-General of India?
1) Rohinton Nariman , 2) Vinod Rai, 3) Ashok Chawla, 4) Soli Sorabjee, 5) None
ANSWERS:
1) 3 2) 2 3) 4 4) 3 5) 5 6) 4 7) 1 8) 2 9) 3 10) 1
11) 4 12) 5 13) 2 14) 3 15) 2 16) 5 17) 3 18) 4 19) 3 20) 2
21) 1 22) 4 23) 2 24) 3 25) 1 26) 5 27) 3 28) 4 29) 2 30) 3
31) 2 32) 3 33) 5 34) 2 35) 3 36) 2 37) 3 38) 1 39) 4 40) 1

Lattest Current Affairs July

2012-07-11T02:25:00.000-07:00

Latest Current Affairs

Serena Williams beat Agnieszka Radwanska to claim Wimbledon Women’s Singles 2012
SEBI permitted MCX Stock Exchange (MCX-SX) to operate as a Full-fledged Stock Exchange
Facebook Extended its App Center in India and Six other Countries
EK Bharat Bhushan dismissed as the Chief of the Directorate General of Civil Aviation
ICC sentenced Congolese Warlord Thomas Lubanga to 14-Year Imprisonment
International Conference on Afghanistan held in Japanese Capital Tokyo
Karakoram Glaciers remained Impervious of Global Warming
India’s Direct Tax Collections registered 47.16 per cent Increase in April-June 2012

National Current Affairs

Supreme Court of India banned Commercial and Tourism Activities Near Jarawa Habitat
Union Ministry of Defence approved 20000 Crore Rupees Proposal
Calcutta High Court scrapped the Singur Land Rehabilitation and Development Act, 2011
Ministry of Consumer Affairs made it Mandatory to label GM Foods

International Current Affairs

Tokyo Conference pledged to provide 16 Billion Dollar Aid to Afghanistan
UNHRC adopted Resolution to protect the Online Human Rights of Global Citizens
Myanmar’s Vice President Tin Aung Myint Oo stepped down
Iran test-fired Medium Range Ballistic Missile Shahab-3

Economy Current Affairs

India’s Direct Tax Collections registered 47.16 per cent Increase in April-June 2012
Indian Railways introduced new guidelines for booking of Tatkal tickets
India’s Exports slipped by 4.16 Per Cent to 25.68 Billion Dollar in May 2012
Eight Core Sector registered 8 Per Cent Growth in May 2012

Sports Current Affairs

Roger Federer beat Andy Murray to claim Wimbledon Open Title 2012
Sprint Star Usain Bolt Quit from Diamond League Meet in Monaco
Ex-England Batsman Mark Ramprakash announced retirement from cricket
Three Russian Female Athletes were Suspended

Environment and Ecology Current Affairs

UNESCO inscribes Western Ghats Mountain Chain on the List of World Heritage Sites
Rio+20 Conference on Sustainable Development concluded in Rio de Janeiro
IUCN released Red List of Threatened Species for Year 2012
Five Northeastern States and Himachal Pradesh appraised as Most Environmentally Sustainable States

Science and Technology Current Affairs

Scientists developed New Technique for the Early Detection of Autism
Indian Scientist got US Patent for Cancer Treatment
Indian Railways and IIT-Kanpur developed the Real-Time Train Running Information System
IBM’s Sequoia declared the Fastest Computer in the World