BANK POs Test Paper REASONING

1. How many such digits are there in the number 5236978 each of which is as far away from the beginning of the number as when the digits are rearranged in ascending order within the number ? (1) None (2) One (3) Two (4) Three(5) More than three 2. In a certain code language COMPUTER is written as LNBVQSFU. How is BULKHEAD written in that code language ? (1) MVCILEBF(2) KTAILEBF (3) MTAGJEBF (4) KTAGJEBF (5) None 3. How many meaningful English words can be made with the letters IDET using each letter only once in each word ? (1) None (2) One (3) Two (4) Three(5) More than three 4. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ? (1) HK (2) BD (3) FI (4) MP (5) SV 5. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ? (1) Tomato (2) Brinjal (3) Radish (4) Pumpkin (5) Gourd 6. How many such pairs of letters are there in the word IMPORTANCE, each of which has as many letters between them in the word as they have between them in the English alphabet ? (1) None (2) One (3) Two (4) Three(5) More than three 7. Four of the following five are alike in a certain way and so form a group. Which is one that does not belong to that group ? (1) Dog (2) Horse (3) Wolf (4) Jackal (5) Cat 8. In a certain code language FIRE is written as # % @ $ and DEAL is written as $ H . How is FAIL written in that code language ? (1) # * % (2) # $ % (3) # * @ $ (4) # * (5) None

9. In a certain code language, come again is written as ho na, come over here is written as pa na ta and over and above is written as ki ta ja. How is here written in that code language? (1) pa (2) na (3) ta (4) ja (5) None 10. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ? (1) 84 (2) 120 (3) 72 (4) 108 (5) 98 Directions (11-15):- In these questions, symbols @, #, %, $ and are used with different meanings as follows. A @ B means A is not smaller than B A # B means A is neither smaller than nor equal to B. A % B means A is not greater than B A $ B means A is neither greater than nor equal to B. A B means A is neither smaller than nor greater than B 11. Statements : J # H, H T, T $ R, R % F Conclusions : I. J # R II. R # F III. J # T (1) Only I is true (2) Only I and II are true (3) Only III is true (4) All are true (5) None 12. Statements : E $ P, P % H, H @ I, I # K Conclusion : I. P I II. I % E (1) Only I is true

III. H % K (2) Only II is true

(3) Only III is true

(4) Only I and II are true (5) None 13. Statements : L @ K, K # R, R $ H, H % N Conclusions : I. L # R II. N # R III. L N (1) Only I and II are true (2) Only either I or II is true (3) Only II and III are true (4) Only III is true (5) None 14. Statements : T $ V, V % K, K L, L % H Conclusions : I. V % H II. T $ L III. T $ H

(1) Only I and II are true III are true (4) All are true 15. Statements: V @ W, W # D, D $ M , M % F Conclusions: I. V # D II. F # D III. V F (1) Only I is true is true (4) Both I and II are true

(2) Only II and III are true (5) None

(3) Only I and

(2) Only II is true (5) None

(3) Only either I or II

Directions (16-20) :- In each of the questions below are given four statements followed by three conclusions numbered I, II and III. You have to take the given statements to be true even if they seem to be at variance from commonly known facrs. Read all the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts. 16. Statements: Some plates are spoons All spoons are forks All forks are bowls Some bowls are utensils Conclusions: I. Some plates are bowls II. All spoons are bowls III. Some forks are utensils (1) Only I follows (2) Only II follows (3) Only I and III follow (4) Only I and II follows (5) None 17. Statements: Some books are files All files are discs Some discs are boards All boards are keys Conclusions : I. Some books are keys II. No book is key III. Some discs are keys (1) Only III follows (2) Only I and III follows (3) Either I or II and III follows (4) All follow (5) None 18. Statements : All buses are trains Some trains are cars No car is scooter All scooter are jeeps Conclusions:

I. Some cars are buses II. All jeeps are scooters III. No jeep is train (1) Only I follows (2) Only II follows (3) Only III follows (4) Only either I or III follows (5) None 19. Statements: All curtains are pillows No pillow is mattress Some mattresses are beds All beds are sofas Conclusions: I. No bed is pillow II. Some mattresses are sofas III. Some beds are pillows (1) Only either I or III follows (2) Only II follows (3) Only II and either I or III follow (4) Only I and II follow (5) All follow 20. Statements: Some pulses are grains Some grains are sprouts All sprouts are huts No fruit is nut Conclusion: I. Some nuts are pulses II. Some nuts are grains III. No fruit is sprout (1) Only II and III follow (2) Only I and II follow (3) Only either I or II follows (4) None follows (5) None of these Directions(21-25):- Study the following information carefully to answer these questions: Seven candidates- Harish, Samir, Nilesh, Shailaja, Nikita, Laxman and Sujatha are to be interviewed for selection as Trainee officers by different panels I to VII for different companies A, B, C, D, E, F and G not necessarily in the same order. Nilesh is interviewed by panel IV for company A. Samir is interviewed by panel III but not for company C or D. Harish is interviewed for company B but not by panel I or II. Nikita is interviewed by panel VI for company E. Panel VII conducts the interview for company. Sailaja is interviewed by panel I but not for company C. Panel II does not interview laxman. 21. Shailaja is interviewed for which company ? (1) A (2) G (3) F (4) D (5) None 22.Panel II conducts interview for which company ? (1) C (2) F (3) G (5) None 23.Who among the following is interviewed for company G ?

(4) B

(1) Nikita (5) None

(2) Samir

(3) Shailaja

(4) Laxman

24.Who among the following is interviewed for company F ? (1) Shailaja (2) Sujatha (3) Laxman determined (5) None 25.Which candidate is interviewed by panel V ? (1) Harish (2) Laxman (3) Sujata (5) None

(4) Cannot be

(4) Shailaja

Directions (26-30):- Study the following arrangement carefully and answer thea questions given below : R 5 M E % 4 W 1 A 2 D # K $ 3 P 9 @ F B 8 J I 7 * H 6 Q V Y 26.Four of the following five are alike in a certain way based on their positions in the above arrangement and so form a group. Which is the one that does not belong to that group ? (1) K 3 2 (2) J 7 B (3) 4 1 M (4) 6 V 7 (5) P F $ 27.If all the symbols in the above arrangement are removed. Which of the following will be the fifth to the right of the eleventh from the left end ? (1) F (2) D (3) 8 (4) B (5) None 28.How amny such numbers are there in the above arrangement, each of which is immediately preceded by a consonant but immediately followed by a consonant ? (1) None (2) One (3) Two (4) Three(5) More than three 29.Which of the following is the eighth to the right of the nineteenth from the right end of the above arrangement ? (1) (2) % (3) D (4) H (5) None 30. How many such symbols are there in the above arrangement, each of which is immediately preceded by a number and immediately followed by a consonant ? (1) None (2) One (3) Two (4) Three(5) More than three Directions(31-35):- In each question below is given a statement followed by two courses of action numbered I and II. A course of action is a step or administrative decision to be taken for improvement. Follow-up or further action in regard to the problem, policy, etc. on the basis of the information given in the statement, you have

to assume everything in the statement to be true, then decide which of the suggested courses of action logically follow(s) or pursuing. Give answer (1) if only I follow Give answer (2) if only II follows. Give answer (3) if either I or II follows. Give answer (4) if neither I nor II follows. Give answer (5) if both I and II follow. 31. Statement: The local college principal has ordered that all the students must strictly adhere to the dress code stipulated by the collage authority in the admission brochure. Courses of action: I. Those students who are found to violate the dress code should be terminated from the college II. Those students who are found to violate the dress code for the first time should be reprimanded and be warned against further violation. 32. Statements: The railways have decided to repair the main tracks within the city on the following Sunday and has decided to suspend operations for the whole day. Courses of action: I. The railway authority should issue public notification well in advance to ease inconvenience to the passengers. II. All the long distance trains entering the city during the repair hours should be terminated outside the city limit. 33. Statements: Many motorists driving on the highway within the city are found to be driving much beyond the permissible speed limit. Course of action: I. The traffic police should personally monitor the movement of vehicles on the highway within the city. II. The government should immediately put in place a mechanism to identify and punish erring drivers. 34. Statements: Majority of the city employees in the renowned BPO company has left their jobs to protest against inhuman treatment meted out to them by the company. Courses of action: I. The government should immediately order the BPO company to close down its operation. II. The BPO company should shift its operations to some other place to continue its operations. 35. Statements: The management of the organization has issued a circular to all its employees stating that each employee must report for duty at 10.00 A.M.. sharp and should remain in his/her place till 5.30 P.M. everyday.

Courses of action: I. The management should evolve a mechanism to identify such employees who may not adhere to the time schedule. II. All such employees who are found to be falling to maintain time schedule should be summarily suspended. Directions(36-40):- Below is given a passage followed by several possible inferences which can be drawn from the facts stated in the passage. You have to examine each inference separately in the context of the passage and decide upon its degree of truth or falsity. Mark answer (1) if inference is definitely true, i.e., it properly follows from the statement of facts given. Mark answer (2) if the inference is probably true though not definitely true in the light of the facts given. Mark answer (3) if the data are inadequate, i.e.. from the facts given you cannot say whether the inference is likely to be true or false. Mark answer (4) if the inference is probably false, though not definitely false in the light of the facts given. Mark answer (5) if the inference is definitely false, i.e., it cannot possibly be drawn from the facts given or its contradicts the given facts. The latest data to show that the over all power situation has gotten worse, with the ratio for peak-load shortages now the highest in a decade. In absolute terms, the power deficit has hit record levels and seems almost certain to further deteriorate without real reforms on the ground. Even as aggressive technical and commercial losses in the power system remain much high at over a third of total generation, pan-India capacity addition is now well below target. A shortage of equipment and skills is blamed for the marked slow down in augmenting power capacity. But the dearth of resources can only be relative. In fact, the real bane of the sector is continuing revenue leakage in the state power utilities and unacceptably high aggregate technical and commercial losses, much of it plain theft of electricity. Given the preponderance of state utilities in power supply, the fact that they remain very much in red does affect investor comfort and return funds flow. 36. Indian power generation is largely controlled by private sector. 37. Reforms in power sector in India has not yet attained its desired level. 38. Indian power sector is yet to attain status comparable to developed countries. 39. Power theft is one of the major components of revenue losses in power sector. 40. Aggregate technical and commercial loss is much less then thirty per cent of the total power generation. Directions(41-45):- In each question below is given a group of digits/symbols followed by four combinations of letters numbered (1), (2), (3) and (4). You have to find out which of the combination correctly represents the group of digits/symbols based on the following coding system and the conditions those follow. If none of the combinations correctly represents the group of letters/digits, give (5) i.e. None of these as the answer.

Digit/Symbol 1 # $ 9 8 6 % @ 7 2 4 * 3 5 Letter Code B D E N I V R G H K T J P F A Conditions: (i)If both the first and the last elements in the group are odd digits then both are to be coded as Y (ii) If the first element is a symbol and the last element is an even digit, the codes for the first and the last elements are to be interchanged. (iii) If the first element is an odd digit and the last element is a symbol, both are to be coded as Z. (iv) If the first element is an even digit and the last element is odd digit, both are to be coded as the code for the odd digit.. 41. 3$95#1 (1) FENADB (2) BENADF (3) ZENADZ (4) FENADF (5) None 42. 8%3#5 (1) YRHFDY (5) None 43. 8143*$ (1) EIBJFPH (5) None 44. 6%@9#3 (1) VRGNDF (5) None 45. *$6724 (1) JEVKTP (5) None (2) ARHFDI (3) ARHFDA (4) YRHFDA

(2) VIBJFPY

(3) EIBJFP#

(4) HIBJFPE

(2) FRGNDF

(3) YRGNDF

(4) ZRGNDZ

(2) PEVKTJ

(3) YEVKTY

(4) ZEVKTZ

Directions(46-50):- Study the following information carefully and answer the given questions: A word and number arrangement machine when given an input line of words and number rearranges them following a particular rule in each step. The following is an illustration of input and rearrangement. Input : 51 pour 32 start now 23 46 house Step I : 23 51 pour 32 start now 46 house Step II : 23 start 51 pour 32 now 46 house Step III: 23 start 32 51 pour now 46 house Step IV: 23 start 32 pour 51 now 46 house Step V : 23 start 32 pour 46 51 now house Step VI : 23 start 32 pour 46 now 51 house As per the rules followed in the above steps, find out in each of the following questions the appropriate step for the given input. 46. Step II of an input is : 18 task bear cold dish 81 63 31

How many more steps will be required to complete the rearrangement? (1) Three (2) Four (3) Five (4) Six (5) None 47. Input : 72 59 37 go for picnic 24 journey How many steps will be required to complete the rearrangement (1) Three (2) Four (3) Five (4) Six (5) None 48. Input : nice flower 34 12 costly height 41 56 Which of the following will be step III ? (1) 12 nice 34 height flower costly 41 56 (2) 12 nice 34 height 41 flower costly 56 (2) 12 nice 34 flower costly height 41 56 (4) 12 nice flower 34 costly height 41 56 (3) None 49. Step II of an input is : 16 victory 19 36 53 store lake town Which of the following will be step V? (1) 16 victory 19 town store 36 53 lake (2) 16 victory 19 town 36 store 53 lake (3) 16 victory 19 town 36 53 store lake (4) There will be no such step (5) None 50. Step III of an input is : 15 yes 29 ask for soap 42 37 Which of the following is definitely the input? (1) ask yes 29 15 for soap 42 37 (2) yes ask 15 29 for soap 42 37 (3) 29 15 yes ask for soap 42 37 (4) Cannot be determined (5) None

QUANTITATIVE APTITUDE
Directions(45-55):- What should come in place of the question mark (?) in the following questions? 51. (47 588) (28 120) = ? (1) 6.284 (2) 7.625 (3) 8.225 (4) 8.285 (5) None 52. 45% of 224 ?% of 120 = 8104.32 (1) 67 (2) 62 (5) None 53. 51 + 374 = (?)3 (3) 59 (4) 71

(1) 16 (5) None

(2) 19

(3) 15

(4) 21

54. 6573 21 (0.2)2 = ? (1) 7825 (2) 62.6 (5) None

(3) 1565

(4) 12.52

55. 74156 - ? 321 20 + 520 = 69894 (1) 3451 (2) 4441 (3) 5401 (5) None

(4) 4531

Directions(56-60):- What should come in place of the question mark (?) in the following number series ? 56. 1548 516 129 43 ? (1) 11 (2) 10.75 (3) 9.5 (4) 12 (5) None 57. 949 189.8 ? 22.776 11.388 6.8328 (1) 48.24 (2) 53.86 (5) None (3) 74.26 (4) 56.94

58. 121 144 190 259 ? 466 (1) 351 (2) 349 (3) 374 (5) None 59. 14 43.5 264 ? 76188 (1) 3168 (2) 3176 (3) 1587 (5) None 60. 41 164 2624 (1) 104244 (5) None ? 6045696 (2) 94644 (3) 94464

(4) 328 (4) 1590

(4) 102444

61. Two numbers are less than the third number by 50% and 54% respectively. By how much per cent is the second number less than the first number ? (1) 13 (2) 10 (3) 12 (4) Cannot be determined (5) None 62. In how many different ways can the letters of the word BLOATING be arranged ? (1) 40320 (2) 5040 (3) 2520 (4) 20160 (5) None 63. The average of 5 numbers is 306.4. The average of the first two numbers is 431 and the average of the last two numbers is 214.5. What is the third number ? (1) 108 (2) 52 (3) 321 (4) Cannot be determined (5) None

64. Fifty six men can complete a piece of work in 24 days. In how many days can 42 men complete the same piece of work ? (1) 18 (2) 32 (3) 98 (4) 48 (5) None 65. A man takes 6 hours 35 minutes in walking to a certain place and riding back. He would have taken 2 hours less by riding both ways. What would be the time he would take to walk both ways? (1) 4 hours 35 minutes (2) 8 hours 35 minutes (3) 10 hours (4) 8 hours 25 minutes (5) None Direction(66-70) :- Study the following table carefully and answer the questions given below. Number of males and females staying in various Societies Societies Males Females A 250 350 B 400 150 C 300 275 D 280 300 E 180 250 F 325 300 Percentage of children (Males and Females) in the Societies Societies Children Male Female Chil Childr dren en A 25% 40% 60% B 40% 75% 25% C 16% 25% 75% D 25% 80% 20% E 40% 50% 50% F 24% 46% 54% 66. What is the respective ratio of the number of adult females to the total number of female children staying in all the societies together ? (1) 243 : 82 (2) 112 : 71 (3) 82 : 243 (4) 71 : 112 (5) None 67. What is the total number of female children staying in all the societies together? (1) 314 (2) 433 (3) 410 (4) 343 (5) None 68. What is the respective ratio of the total number of adult males in societies A and B together to the total number of adult males in societies E and F together? (1) 75 : 79 (2) 14 : 17 (3) 79 : 75 (4) 17 : 14 (5) None

69. What is the total number of members staying in all the societies together ? (1) 3520 (2) 3360 (3) 4100 (4) 3000 (5) None 70. What is the difference between the number of male children in society B and the number of male children in society F ? (1) 84 (2) 14 (3) 96 (4) 26 (5) None Directions(71-75): Study the following Pie-Chart carefully and answer the questions given below. Percentage of people in a city working in Night Shifts from various industries (Total number of people- 40250)

Percentage of Females from various industries working in night shifts Industries Females IT 20% Sports 20% Call Centre 45% Sales 60% Banking 40% Chemical 15% Industries 71. What is the respective ratio of men to the women working in night shifts from the call centre industry? (1) 9 : 11 (2) 7 : 5 (3) 8 : 13 (4) 11 : 7 (5) None 72. What is the approximate average number of females working in night shifts from all the industries together?

(1) 2227 (5) 4107

(2) 4481

(3) 3326

(4) 2823

73. What is the total number of men working in night shifts from all the industries together? (1) 28297 (2) 25788 (3) 28978 (4) 26887 (5) None 74. The number of women from the sports industry are what per cent of the total number of people working in the night shifts from all the industries together? (1) 5.6 (2) 3.6 (3) 3.2 (4) 4.4 (5) None 75. What is the difference between the total number of men and the total number of women working in night shifts from all the industries together? (1) 13254 (2) 13542 (3) 13524 (4) 13363 (5) None Directions(76-80):- Study the following table carefully and answer the questions given below. Number of people working in various departments from various Organisations Departm Organisations ents A B C D E HR 10 101 976 888 1004 5 5 0 Finance 10 960 786 1025 963 1 7 Marketing 13 138 127 1300 1290 8 4 5 2 Productio 15 154 155 1570 1580 n 4 5 0 2 Accounts 78 745 801 800 735 6 Legal 48 48 36 30 53 76. The total number of employees working in the legal department are approximately what per cent of the total number of employees working in HR department of all the organisations together? (1) 4 (2) 8 (3) 12 (4) 6 (5) 10

77. What is the approximate difference between the average number of people working in Marketing and production departments from all the organisations together ? (1) 578 (2) 231 (3) 330 (4) 1156 (5) 300 78. What is the respective ratio of the total number of employees working in organisation A to the total number of employees working in organization E? (1) 225 : 233 (2) 71 : 75 (3) 75 : 71 (4) 233 : 215 (5) None 79. What is the total number of employees from all the departments working in all organisations together? (1) 26960 (2) 28910 (3) 28190 (4) 29660 (5) None 80. The number of people working in the finance department from organisation B are approximately what per cent of the total number of employees working in organisation B? (1) 12 (2) 15 (3) 20 (4) 17 (5) 25 Directions(81-85):- Study the following data carefully and answer the questions given below: Out of a total number of commuters commuting daily in a city, 17, 171 commuters commute only by trains daily. 7359 commuters commute only be bikes and 22,077 commuters commute only by bus. 14,718 commuters commute only by their private cars and 4,906 commuters commute only by autos. 7,359 commuters commute only by taxis. 26,983 commuters commute by bus as well as trains daily. 9,812 commuters commute by autos as well as trains daily. 12,265 commuters commute by bus as well as autos daily. 81. The total number of commuters commuting by trains form what per cent of the total number of commuters commuting daily? (1) 22 (2) 44 (3) 14 (4) 36 (5) None 82. The total number of commuters commuting by autos form what per cent of the total number of commuters commuting daily? (1) 10 (2) 18 (3) 22 (4) 4 (5) None 83. The total number of commuters commuting by bikes and taxis together form what per cent of the total number of commuters commuting daily? (1) 12 (2) 6 (3) 8 (4) 16 (5) None

84. What is the total number of commuters in the city commuting daily ? (1) 122650 (2) 126250 (3) 162250 (4) 15226 (5) None 85. The number of commuters commuting only by bus form what per cent of the total number of commuters commuting daily? (1) 40 (2) 22 (3) 32 (4) 18 (5) None Directions(86-90):- Study the following Graph carefully and answer the questions given below: Units of Raw Meterial Manufactured and sold by a company over the years (Units in crores)

86. What is the average number of units sold over the years? (1) 440000000 (2) 4400000 (3) 440000 (5) None

(4) 44000000

87. What is the respective ratio of the difference between the number of units manufactured and sold in the year 2005 to the difference between the number of units manufactured and sold in the year 2006? (1) 2 : 3 (2) 1 : 2 (3) 1 : 4 (4) 3 : 5 (5) None 88. What is the respective ratio of the number of units manufactured in the year 2003 to the number of units manufactured in the year 2007? (1) 7 : 11 (2) 9 : 14 (3) 7 : 9 (4) 9 : 11 (5) None 89. What is the approximate per cent increase in the number of units sold in the year 2007 from the previous year? (1) 190 (2) 70 (3) 60 (4) 95 (5) 117 90. What is the difference between the number of units manufactured and the number of units sold over the years?

(1) 50000000 (5) None

(2) 5000000

(3) 500000000

(4) 500000

91. If the numerator of a fraction is increased by 200% and the denominator of the fraction is increased by 150%, the resultant fraction is 7/10. What is the original fraction? (1) 3/4 (2) 7/12 (3) 7/11 (4) 9/11 (5) None 92. Shanthi, Meera and Kowsalya rented a set of DVDs at a rent of Rs.578.If they used it for 8 hours, 12 hours and 14 hours respectively, What is Kowsalyas share of rent to be paid? (1) Rs. 238 (2) Rs. 204 (3) Rs. 192 (4) Rs. 215 (5) None 93. Kamesh bought 65 books for Rs. 1,050 from one shop and 50 books for Rs. 1,020 from another. What is the average price he paid per book? (1) Rs. 36.40 (2) Rs. 18.20 (3) Rs. 24 (4) Rs. 18 (5) None 94. In an election between two candidates, one got 52% of total valid votes. 25% of the total votes were invalid. The total number of votes were 8400. How many valid votes did the other persons get? (1) 3276 (2) 3196 (3) 3024 (4) Cannot be determined (5) None 95. The ratio of length and breadth of a rectangular plot is 8 : 5 respectively. If the breadth is 60 metre less than the length. What is the perimeter of the rectangular plot? (1) 260 metres (2) 1600 metres (3) 500 metres (4) Cannot be determined (5) None Direction(96-100):- What approximate value should come in place of the question mark (?) in the following question ? (You are not expected to calculate the exact value) 3 4 2 96. 3719 = ? 7 9 5 (1) 341 (2) 283 (3) 274 (4) 301 (5) 288 97. 0.008 + 6.009 (0.7)2 = ? (1) 21 (2) 6 (5) 18 98. 3 7945657 7 + ( 3.8 5.5) = ? (3) 12 (4) 8

(1) 48 (5) 31

(2) 22

(3) 43

(4) 26

99. 98 785 (285)2 =? (1) 0.3 (2) 1.8 (5) 0.08 100. (1) 30 749 0.56 + 14.38 = ? (2) 35 (5) 45

(3) 2.2

(4) 0.9

(3) 42

(4) 25

ENGLISH LANGUAGE
Directions(151-165):-Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the question. Political ploys initially hailed as master-strokes often end up as flops. The Rs. 60,000 crore farm loan waiver announced in the budget writes off 100% of over dues of small and marginal farmers holding upto two hectares, and 25% of over dues of larger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have made little impact, thanks to huge leakages from the governments lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief. However the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Half of the small and marginal farmers get no loans from banks and depend entirely on moneylenders, and will not benefit. Besides, rural India is full of the family holdings rather than individual holdings and family holdings will typically be much larger than two hectares even for dirt-poor farmers who will, therefore, be denied the 100% waiver. It will thus fail in both economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it. After the last farm loan waiver will similarly slow down fresh loans to deserving farmers. While over dues to co-operatives may be higher, economist Surjit Bhalla says less than 5% of farmer loans to banks are over due i.e. over dues exist for only 2.25million out of 90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalised for honesty. The budget thus grossly overestimates the number of beneficiaries, it also underestimates the negative effects of the waiver-encouraging willful default in the future and discouraging fresh bank lending for some years. Instead of trying to reach the needy, through a plethora of leaky schemes we should transfer cash directly to the needy using new technology like biometic smart cards, which are now being

used in many countries, and mobile phones bank accounts. Then benefits can go directly to phone accounts operable only by those with biometic cards, ending the massive leakages of current schemes. The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm families benefit, and many of these have to pay bribes to get the actual benefit, will the waiver really be a massive vote winner? Members of joint families will feel aggrieved that, despite having less than one hectare per head, their family holding is too large, to qualify for the 100% waiver. All finance ministers, of central or state governments, give away freebies in their last budgets, hoping to win electroral regards. Yet, four-fifth of all incumbent governments are voted out. This shows that beneficiaries of favours are not notably grateful, while those not so favoured may feel aggrieved, and vote for the opposition. That seems to be why election budgets constantly fail to win elections in India and the loan waiver will not change that pattern. 151. Why do economists feel that loan waivers will benefit farmers in distress? (1) it will improve the standard of living of those farmers who can afford to repay their loans but are exempted. (2)Other government relief measures have proved ineffective (3) Suicide rates of farmers have declined after the announcement of the waiver (4) Farmers will be motivated to increase the size of their family holdings not individual holdings. (5) The government will be forced to reexamine and improve the public distribution system. 152. What message will the loan waiver send to farmers who have repaid loans? (1) The Government will readily provide them with loans in the future (2) As opposed to money lenders banks are a safer and more reliable source of credit (3) Honesty is the best policy (4) It is beneficial to take loans from co-operatives since their rates of interest are lower. (5) They will be angry at being penalised for honesty 153. What is the authors suggestion to provide aid to farmers? (1) Families should split their joint holding to take advantage of the loan waiver. (2) The government should increase the reach of the employment guarantee scheme (3) Loans should be disbursed directly into bank accounts of the farmers using the latest technology (4) Government should ensure that loans waivers can be implemented over the number of years. (5) Rural infrastructure can be improved using schemes which were successful abroad. 154. What was the outcome of IRDP loans to the rural poor? (1) The percentage of bank loan sanctioned to family owned farms increased. (2) The loans benefited dishonest moneylenders not landless labourers (3) Corrupt bank officials were the unintended beneficiaries of the loans

(4) If resulted in the Government sanctioned thrice the amount for the current loan waiver (5) None 155. What are the terms of the loan waiver (A) One-fourth of the overdue loans of landless labourers will be written off (B) The Rs.60,000 crore loan waiver has been sanctioned for 2.25 million marginal farmers. (C) Any farmer with between 26 per cent to 100 per cent of their loan repayments overdue will be penalised. (1) Only (A) (2) Only (B) (3) Both (B) and (C) (4) All (A), (B) and (C) (5) None 156. What is the authors view of the loan waiver? (1) It will have an adverse psychological impact on those who cannot avail of the waiver. (2) It is a justified measure in view of the high suicide rate among land less labourers. (3) It makes sound economic and political sense in the existing scenario. (4) It will ensure that the benefits of Indias high GDP are felt by the rural poor. (5) None 157. Which of the following cannot be said about loan waiver? (A) Small and marginal farmers will benefit the most (B) The loan waiver penalises deserving farmers (C) A large percentage i.e. ninety-five per cent of distressed farmers will benefit. (1) Only (C) (2) Both (A) and (C) (3) Only (A) (4) Both (B) and (C) (5) None 158. Which of the following will definitely be an impact of loan waivers? (A) Family holdings will be split into individual holdings not exceeding one hectare (B) The public distribution system will be revamped (c) Opposition will definitely win the election (1) None (2) Only (A) (3) Both (A) and (B) (4) Only (C) (5) All (A), (B) and (C) 159. What impact will the loan waiver have on banks? (1) Banks have to bear the entire brunt of the write off. (2) Loss of trust in banks by big farmers (3) Corruption among bank staff will increase (4) Farmers will make it a habit to default on loans

(5) None

160. According to the author what is the governments motive in sanctioning the loan waiver? (1) To encourage farmers to opt for bank loans from moneylenders. (2) To raise 90 million farmers out of indebtedness

(3) To provide relief to those marginal farmers who have the means to but have not repaid their loans (4) To ensure they will be reelected (5) None Directions(161-163):- Choose the word which is most nearly the SAME in meaning to the word printed in bold as used in the passage. 161. Incumbent (1) mandatory (2) present (3) incapable (4) lazy (5) officious 162. Ploys (1) surveys (5) assurances 163. aggrieved (1) vindicated (5) disputed (2) entreaties (3) ruses (4) sliders

(2) intimidated

(3) offensive

(4) wronged

Directions(164-165):- Choose the word which is most OPPOSITE in meaning to the word printed in bold as used in the passage. 164. Plethora (1) dearth (2) missing (3) superfluous (4) sufficient (5) least 165. merited (1)ranked (5) unworthy of (2) unqualified for (3) lacked (4) inept at

Directions(166-175):- Read each sentence to find out whether there is any error in it. The error, if any, will be in one part is the answer. If there is no error, the answer is (5). (ignore errors of punctuation, if any). 166. Some of the world (1)/ largest water bodies are (2)/ drying up thus threatening (3)/ the livelihoods of millions(4)/ No error (5). 167. Among the many (1)/ challenges facing the country (2)/ in the next decade (3)/ is poverty and unemployment (4)/ No error(5) 168. According to economists (1)/ not more than five percent (2)/ of education loans taken (3) by students are overdue.(4)/ No error.(5) 169. The two candidates share (1)/ a reputation for (2)/ competency as well as (3)/ for good communication skills. (4)/ No error.(5) 170. His main qualification (1)/on the job is (2)/ his extensive experience (3)/ in foreign branches.(4)/ No error.(5)

171. A representative of the (1)/ Reserve Bank will provide students an (2)/ insight into the (3)/ economic future of our country.(4)/ No error.(5) 172. As one of the leader (1)/ insurance companies in (2)/ India they offer (3)/ comprehensive financial services (4)/ No error(5) 173. There is a rumous that (1)/ this multinational company will (2)/ set up its regional headquarters (3)/ in India in short (4)/ No error (5) 174. Despite taking steps to (1)/ encourage foreign investment (2)/ there has been any (3)/ substantial improvement in our economy (4)/ No error (5) 175. We had made every effort (1)/ to ensure that a (2)/ compromise is reached and (3)/ that deal was signed (4)/ No error (5) Directions(176-180):- Which of the phrases (1), (2), (3) and (4) given below should replace the phrase given in bold in the following sentences to make the sentence grammatically correct ? If the sentence is correct as it is and there is no correction required mark (5) i.e. No correction required as the answer. 176. During the recession many companies will be forced to lay off workers. (1) have the force to (2) be forced into (3) forcibly have (4) forcefully (5) No correction required 177. He wanted nothing else expecting to sleep after a stressful day at work (1) nothing better than (2) anything else unless (3) nothing but having (4) nothing else than (5) No correction required 178. Ramesh took charge of the project, within a few days of having appointed? (1) having an appointment (2) being appointed (3) after being appointed (4) appointing (5) No correction required 179. It is difficult to work with him because he is one of those persons who think he is always right. (1) think they are always (2) always thinks he is (3) is always thinking they are (4) always think his (5) No correction required 180. Foreign businesses in developing countries have usually problems with lack of infrastructure and rigid laws. (1) usual problems as (2) usually problems on (3) as usual problems like (4) the usual problems of (5) No correction required Directions (181-185):- In each of the following questions four words are given of which two words are most nearly the same or opposite in meaning. Find two words which are most nearly the same or opposite in meaning and indicate the number of the correct letter combination as your answer.

181. (A) waive (1) A B (5) D B

(B) speculate (2) C B

(C) pursue (3) D C

(D) revise (4) C A (D) ambiguous (4) A C (D) viable (4) C D (D) endorsed (4) B D (D) reciprocate (4) A B

182. (A) contrary (B) compatible(C) incomparable (1) A B (2) B C (3) C D (5) B D 183. (A) Pliable (B) dependable (C) flexible (1) A- D (2) B C (3) B D (5) A C 184. (A) contingent (B) permissive (1) B A (2) C A (5) D C 185. (A) repeat (1) B D (5) B C (C) confirmed (3) C B

(B) reverberate(C) retaliate (2) C D (3) A C

Directions(186-190):- Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them. (A) In this early period a good memory was a prerequisite for success and poets like Homer memorised their work before it was ever written down. (B)If we have to remember everything will it not increase the feeing of stress? (C)Today memory is widely regarded as a useful aid to survival (D) However it is not what we grasp but what we fail to-forgetting a file, key points at an interview which causes stress (E)Some people however are of the view that having an exceptional memory in a world of high pressure working is a disadvantage (F) To our ancestors though, in the absence of the printing press it was much more- it was the slate on which history was recorded. 186. Which of the following will be the THIRD sentence after rearrangement? (1) A (2) B (3) C (4) D (5) E 187. Which of the following will be the FIRST sentence after rearrangement? (1) A (2) B (3) C (4) D (5) E 188. Which of the following will be the SECOND sentence after rearrangement ? (1) B (2) C (3) D (4) E (5) F 189. Which of the following will be the SIXTH (LAST) sentence after rearrangement? (1) B (2) C (3) D (4) E (5) F

190. (1) A

Which of the following will be the FIFTH sentence after rearrangement? (2) B (3) C (4) D (5) E

Directions(191-200):- In the following passage there are blanks each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case. Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to (191) financial transaction linked to a clients account. M banking is new in most countries and most mobile payment models even in developed countries, to date operate on a (192) scale. A mobile network offers a (193) available technology platform onto which other services can be provided at low cost with effective results. For example, M banking services which use (194) such as SMS can be carried at a cost of less than one US cent per message. The low cost of using existing infrastructure makes such services more (195) to use by customers with lower purchasing power and opens up access to services which did not reach them earlier due to (196) cost of service delivery. Although M banking is one aspect in the wider (197) of e-banking there are reasons to single it out for focus-especially because there are reasons to single it out for focus-especially because there are a lot more people with mobile phones than bank accounts in India. M banking could provide a (198) solution to bring more unbanked people to the financial mainstream. Without traditional credit, individuals are (199) to exploitation by abusive lenders offering very high interest rates on short term loans. Also of considerable importance are public safety implications for the unbanked- they are often victims of crime because many operate on a cash only basis and end up carrying significant amounts of cash in their (200) or store cash in their homes. 191. (1) disburse (2) undertake (3) subscribe (4) lure (5) amass 192. (1) full (2) voluminous (3) substantial (4) limited (5) rapid 193. (1) readily (2) tangible (3) routinely (4) securely (5) unique 194. (1) process (2) waves (3) deliveries (4) connection (5) channels 195. (1) valuable (2) answerable (3) amenable (4) exposed (5) responsible 196. (1) waning (2) stable (3) proportionate (4) marginal (5) high 197. (1) archive (2) domain (3) purpose (4) component (5) aspect 198. (1) law abiding(2) tried (3) reassuring (4) cost effective(5) stopgap 199. (1) inclined (2) immune (3) vulnerable (4) surrendered(5) pressured

200. (1) person purses (5) self

(2) own ANSWERS

3) relatives

(4)

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