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 CONTENTS
Editors Desk 1

Current Affairs 2

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Articles
One Rank One Pension (OROP) Government nod for gold bonds, new monetization schemes
European Regugee Crisis : In search of (better) life!

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Science Technology
News Makers Banking & Finance

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Co

Sector in focus 25

Co
Retailing Pantaloon Retail (India) Limited

Career in focus 29
Assistant Administrative Officer
LIC AAO Model Paper

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MBA Corner 35
Career Prospects for PGDM/MBA with Finance Specialization
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Feature : Shailesh J. Mehta School of Management, IIT Bombay

Feature : Mudra Institute of Communications, Ahmedabad
Feature : Rajalakshmi School of Business, Chennai
Co
Co

GD and Interview Experience : IMT, Ghaziabad

B-School Ranking for Academic Session 2016-2017

Stock GK 47
Stock Indices of the World
nt s

Foreign Direct Investment in India

Personality of the Month : Jagmohan Dalmiya 50

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nt s

GK Paper of the Month : IIFT Mock GK Papers 52

Fun Corner 64
Co

nte

Crosswork Sudoku
iPhone 6S
Two Years Eight Months And
Twenty-Eight Nights by Salman Rushdie
Co

IRCTC Connect
 One Rank One Pension (OROP)

The Union Government on 5 September 2015 announced One Rank One Pension (OROP) scheme for ex-servicemen.
The scheme was pending for nearly four decades. This was announced by the Defence Minister ManoharParrikar.
Benefit of OROP will be given with effect from 1 July 2014

What and Why of OROP

OROP, (one rank, one pension) scheme promises to pay uniform pension to the Armed Forces Personnel retiring in
the same rank with the same length of service irrespective of their date of retirement and any future enhancement
in the rates of pension to be automatically passed on to the past pensioners. OROP simply means same pension, for
same rank and for the same length of service, irrespective of the date of retirement.

What it does is, bridges the gap between the rate of pension of the current pensioners and the past pensioners. It
also extends the future enhancements if any, to be automatically passed on to the past pensioners. Till now rate of
pension was based on the date of retirement, rank and the tenure of service of the armed personnel. OROP, makes
date of retirement irrelevant to determine the rate of pension, which was a main contentious issue. Pay increase is
dependent on the pay commissions recommendation implementation date, every consecutive redraws the rate of
pay of the personnel, only the serving or the retiring personnel after the implementation of pay commission
recommendations are eligible for the enhanced benefits, goes against those who retired before that date.

The delay was due to the addition of the financial burden on the countrys exchequer, which is about 8,000 to 10,000
crore as of date, it is bound to increase in the future. Additional burden to the Government which is burdened by the
widening fiscal deficit.

Highlights of OROP
Will be implemented from July 1, 2014 and (
The base year would be 2013. (
Estimated cost for the implementation of OROP is 8,000 to 10,000 Crores(
Pension revision after every 5 years (
Soldiers who have died naturally during war will be a beneficiary of the OROP scheme
Arrears will be paid in installments 4 half yearly (as the scheme will be implanted (retrospectively).
All widows including war widows will be paid arrears in one instalment.
Revised pension will be the average of the minimum and maximum pension in 2013.
Pension of those who were drawing above the average will be protected, their pension will not be reduced.
A one-member judicial committee will be constituted. It will give reports on equalization period in 6 months,
for revision of pension..

Government nod for gold bonds, new monetizaton schemes

India is one of the worlds largest markets for gold jewellery. Indian household and other trusts are holding over
20,000 tonnes of Gold which makes it a non-productive asset. But why cant we start using our wealthy asset to make
money? In order to make this happen it needs the conversion of gold into productive asset. So our Government
announced to give nod to Gold Monetization Scheme (GMS) and Sovereign Gold Bond Scheme as announced in
Union Budget 2015-16. Through these schemes its value will be unlocked and will be circulated in financial
investments. The new scheme consists of the revamped Gold Deposit Scheme (GDS) and a revamped Gold Metal Loan
(GML) Scheme.(Monetization: Converting the countrys gold holdings into cash)

2
 Key points of Gold Schemes:
Gold monetization scheme Sovereign Gold Bond Scheme
Gold can be deposited in the bank in any form Certificates issued by Government which can
(bullion or jewellery). later be encashed for money or physical gold
Allows individuals to deposit minimum 30 grams Annual cap under this Scheme is 500 gram per
of gold with banks. person. (Denominations 5, 10, 50, 100 grams)

Deposits can be short term (1-3 years), medium
term (5-7 years) and long term (12- 15 years).
Gold is exempted from tax.
Purity test will be done by melting the gold.
Depositors will earn interest on their gold saving
accounts.
These bonds would be issued for 5-7 years.
Bonds are not exempted from tax.
No check on quality of gold is done.
On maturity, the investor will receive equivalent
of market value of gold in rupee ter ms.

Facts about Gold Schemes

Introduction of GMS replaced 1999 Gold Deposit Scheme (GDS) and Gold Metal Loan (GML) scheme.
GMS reduce dependency on gold Imports. It will facilitate the availability of gold as raw material on loans
from the banks.
Lower import of gold will help to control the current account deficit.
Interest rates on short term deposits will decided by banks and medium or long term deposits will decided by
government in consultation with RBI.
Collection, Purity Verification and Deposit of Gold will be done under revamped GDS.
Out of the 331 assaying and Hallmarking centres, those will meet criteria specified by (Bureau of Indian Standards
(BIS) will be allowed to act as Collection and Purity Testing 1 Centres for purity of gold for the purpose of this
scheme.

European Regugee Crisis : In search of (better) life!

One month after the body of 3-year-old AylanKurdi washed up on a Turkish beach and a week after the European
Union agreed to secure its borders the refugee crisis has largely fallen off the front pages and reporters are going
home. But the human tide keeps rolling northward and westward, and aid agencies are preparing for it to continue
through the winter, when temperatures along the refugee trail will drop below freezing. They fear the crisis may get
worse. One thing is clear, the movement is not going to die down.What we are seeing right now ... its just the tip of
the iceberg.It is normal for illegal migration into Europe to dip in winters and peak during the summer months, when
the sea crossings are safer. One reason for the drop in numbers is the onset of winters. However, it will rise again,
and the influx will be bigger than ever.

No one thought that the war in Syria would have a humanitarian crisis of such endemic scale in the prosperous
European countries. Syrias war has ground on for four years without end in sight. There is no meaningful diplomacy
to end it. At least 250,000 have died. It is no wonder people want to escape. Syrians represent half of this years
unprecedented surge, which is in turn double the number the year before. In other words, without Syrians, the influx
of people seeking sanctuary in Europe would be roughly where it was last year.That was a record year, too, as was
the year before. An upsurge in conflicts worldwide has fueled record levels of displacement worldwide in recent
years. People also are fleeing conflict in countries such as Iraq, Afghanistan, Eritrea, Somalia and Niger. But with Syrians
accounting for the bulk of those, this is turning into the year when Syrias warwashed up on the shores of Europe.

While more than 500,000 people have crossed the Mediterranean to Europe this year, more than double the figure
for all of 2014, that is only a fraction of the people who are on the move. Some 4 million have fled Syria after more
than four years of civil war, and 8 million have been displaced inside the country. And its not just Syrians. Its Iraqis
and Iranians, Afghans and Eritreans. The main reason for this surge in people trying to cross to Europe is the relative
ease of crossing to Europe. Until recently, the sea crossing from Libya to Italy had been the preferred route for all the
migrants and refugees fleeing to Europe. A far shorter and less dangerous sea route exists from Turkey to Greece. But
the journey from Greece through the Balkans to the northern European destinations preferred by refugees was far
more complicated than the one leading through Italy. After Macedonia lifted harsh measures aimed at preventing

3
refugees from entering the country in June, the route through the Balkans opened up. Turkey is next door to Syria, and
it is also more easily accessible for people coming from countries farther to the east, including refugees from Iraq
and Afghanistan and economic migrants from Pakistan and Bangladesh.Also, the crossing to Greece from Turkey
takes less than an hour and as little as 20 minutes, depending on which beach the boat sets out from. Not only does
this make the sea crossing cheaper, but refugees no longer needed to pay smugglers to sneak them through the
borders of the Balkan countries. People planning to make the journey say they now need to pay smugglers no more
than $2,000 to $3,000 to complete the journey instead of the $5,000 to $6,000 required to reach Libya and take the
boat to Italy.That means more people many of whom were saving for the trip anyway can afford to take the
journey now.

The EU acknowledged the scale of the problem last week, even after it approved a plan to toughen border controls
and provide at least 1 billion euros ($1.1 billion) to help Turkey, Lebanon and Jordan care for refugees living in their
countries. The first new border measures wont take effect until November, and a proposal for strengthening the EU
border agency is due in December. If you visit any refugee camp in Turkey and Jordan, you hear only one thing they
all are determined to get to Europe. Why? The reason is not difficult to find. About 4 million Syrians have already
fled their countrys war and are living in neighboring countries, mostly Turkey, Jordan and Lebanon, as refugees.
There they are living miserable lives, denied the right to work, and most of the children are not in school. They all
want to go to Europe citing better life and childrens education as the main reasons as to why they are seeking to
build new lives.Take, for example, Zafer, a Syrian refugee who spoke on condition that his last name not be used for
fear of reprisals. Zafer, 43, fled his country three years ago for Istanbul and is now contemplating Europe, encouraged
by a friend who made the illegal crossing to Greece and is now in Germany. I dont have a future here, it is very hard.
I had a budget but it is running out, he told The Associated Press. I am worried about my childrens education. Now
they are young, but what will happen later when they are older? I am worried. He isnt alone.

A shot in the arm for Zafer and his friends was the announcement was the German Chancellor Angela Merkel that
Germany would offer temporary residency to all the refugees arriving there. This offer encouraged more people to
set out. Iraqis have begun to join the exodus in bigger numbers, and many of those arriving recently in Turkey to
make the trip say they were encouraged by the TV footage of Germans welcoming refugees. Whether the new border
controls introduced by Germany, Hungary, Austria and Slovakia will deter people who have not yet set out remains
to be seen. The EU was spurred to act after photos of Aylan lying face down on a Turkish beach were published
around the world, triggering outrage over the suffering of migrants fleeing war and poverty. Aylan drowned, along
with his mother and brother, when their boat capsized on the journey from Turkey to the Greek island of Kos. Before
the EU can stop the influx, it must convince the world that it has regained control of its borders after months of news
coverage showing the virtually unimpeded flow of people traveling from Turkey to Greece, then north through the
Balkans to Austria, Germany and Sweden.

The surge came as donors cut back on funding for groups supporting Syrian refugees. The World Food Program
(WFP) in August said funding shortfalls forced it to cut food aid by 50 percent for 1.5 million refugees living in
Jordan, Lebanon, Turkey, Iraq and Egypt. EU members pledged to restore funding for the WFP as part of their
agreement last week. The aid is important. Most refugees are unable to build new lives in their Middle Eastern host
countries because they are barred from working. And as they watch their resources vanish, even people who hadnt
planned to go to Europe are now considering it. Theres no hope at all, so moving on seems the only option, Baloch
said. It could be an exodus in the making.

With a migrant path clearly established, complete with signposts on how to get to Europe, aid groups say its almost
as if a message has gone out: This is your chance. Now or never. In normal conditions, you will think twice about
crossing the Mediterranean with your children because it is dangerous, said Gianluca Rocco, western Balkans
coordinator for the International Organization for Migration. But now you go with the flow. The flow is there and it
is moving very quickly. Macedonia, the main corridor for people traveling north from Greece, is preparing for the
flood to continue through the winter.

Authorities are installing floors and heating in tents at the Gevgelija refugee camp, and aid agencies will provide
warm clothes and blankets for the migrants, said Aleksandra Kraus, a spokeswoman for the UNHCR in Macedonia.
The Macedonian parliament in September extended the state of emergency on the countrys borders until June 2016.
The country of 2 million people is spending about 1 million euros a month on migrants. Conditions and capacities
for migrants depend on the budget, said Ivo Kotevski, a police spokesman. We appeal for assistance. All over the
region, groups are already struggling to keep pace with arrivals, especially with winter drawing close. It will get
much colder still, and the provision of adequate shelter is not even close to matching the number of people crossing

4
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into Serbia every day, Doctors Without Borders President Meinie Nicolai told The Associated Press. Its unclear
whether the EU actions will stem the flow, particularly in the short term. Social media savvy asylum seekers are now
aware the new border measures may take effect in November; and that effectively gives potential migrants a
deadline that could spur them to make a dash for Europe, making the events of recent weeks a mere prelude to an
even larger flood of humanity. The EU is moving in the right direction, but the new programs will take time to
implement, and the conditions that have pushed the refugees toward Europe havent changed, said Maurizio Albahari,
author of Crimes of Peace: Mediterranean Migrations at the Worlds Deadliest Border, and a social anthropologist
at the University of Notre Dame. People in Turkey and in Libya are on top of the news. This includes both smugglers
and refugees, he said by email. The winter months and the promise/threat of additional border control/patrols at
the EUs external borders might motivate them to move earlier than they would.

While war in Syria is the primary reason for the exodus, another reason that cannot be obevlooked is the Syrian
governments conscription drive. Short of manpower to fight the rebellion against his rule, Syrian President Bashar-
al-Assads government has embarked since late last year on a drive to enlist reservists to serve in the army. Many of
the Syrians fleeing to Europe come from government-held areas and say they were escaping forced conscription,
which affects all men who completed their compulsory military service in the past 10 years or basically, all men
under the age of about 30.Also, interestingly, there appears to be no attempt to prevent young men who want to avoid
military service from leaving the country. On the contrary, the government has made it easier to acquire passports
in recent months both in Syria and at embassies abroad and it is possible to defer the military service with a
payment of $300.This has confirmed the suspicions of many Syria watchers that Assad has deliberately encouraged
the refugee flow, both to neighboring countries and to Europe, as part of a strategy to empty the country of potential
opponents. The humanitarian catastrophe we are witnessing is an outcome of Assads survival strategy, said
Emile Hokayem of the London-based International Institute for Strategic Studies. Assad has sought to shift the
burden of dealing with those in Syria who are opposed to him onto other actors.Assad, however, blames Europe and
the United States for the exodus, saying most of the refugees are fleeing the terrorism that he accuses the West of
fomenting by supporting elements of the opposition.

6
National News

The Government is planning Indias longest 600 km expressway to connect Delhi and Katra. This announcement was
made after announcing a highway project for providing connectivity for the four religious shrines (Char Dham) in
Uttarakhand. The project which is expected to cost more than INR 15,000 crores and will be developed on Hybrid
Annuity Model of PPP (Public Private Partnership), with the Government bearing 40% of the project cost. (

Haryana has launched a scheme called Sakhi, One Stop Crisis Center (OSCC), to help the women, who are suffering
from sexual, mental and emotional harassments. The Objective of this scheme is to provide necessary help to
women victims and others, ( who are suffering from any kind of harassment. ( (

The Manipur Legislative Assembly unanimously passed the Protection of Manipur People Bill, 2015. The House also
unanimously passed two amendment bills, namely the Manipur Shops and Establishments (Second Amendment)
Bill, 2015and the Manipur Land Revenue and Land Reforms (Seventh Amendment) Bill, 2015. The house also passed
a resolution welcoming the Peace Accord signed between the Union Government of India and the National Socialist
Council of Nagaland (NSCN)-IM.

The Supreme Court has stayed the order passed by Rajasthan High Court declaring Santhara as illegal. ( Santhara is
a Jain custom of embracing voluntary death by taking an oath to stop eating until they die of starvation. According
to Jains, this is a way to purge oneself of bad karma and attain moksha.

India is set to host the World Hindi Conference after a gap of 32 years which will focus for the first time on promoting
the language as a means to employment.

The Myawaddy- ThingganNyenaung-Kawkareik section (25.6 km long) of the Asian Highway No.1, which links India to
Thailand via Myanmar, has become operational reducing the the travel time between ThingganNyenaung and
Kawkareikfrom 3 hours to 45 minutes. The section is a part of the trilateral highway that is planned to connect
Moreh, Manipur to Maesot, Thailand, via Tamu, Mandalay and Myawaddy in Myanmar. The whole highway is
expected to become operational by November this year.

The Food Safety and Standards Authority of India (FSSAI)has reduced the permitted level of trans-
fat content in edible fats and oils from 10 to 5 per cent across the country. The new standards
will come into force by August 2016.

The Government will invest 8.5 lakh crores in railways to enhance the capacity
and improvements in safety, maintenance, better signalling, rolling stock,
increase in speed, better passenger services especially with respect to
cleanliness and hygiene etc. (

Western Central Railway (HQ in Jabalpur, MP) becomes the first to close all the unmanned railway crossings. ( About
118 unmanned level crossings were closed and some were converted into ( manned, while Limited Height Subways
(LHs) were built for some. Elimination of level crossings was one of the recommendations of the Kakodkar Committee
on Railway safety.

On the eve of Teachers day, Prime Minister NarendraModi released two commemorative coins of Rs 125 and Rs 10
in the memory of former President SarvepalliRadhakrishnan.

Greenpeace India, a non-profit NGOs FCRA (Foreign Contribution Regulation

Act) license and its plea to release 25% of unutilised amount from its detained
bank accounts, has been canceled by the Ministry of Home Affairs (MHA) as
it was found violating the terms decided by the High Court.

Haryana State Assembly has passed the Haryana Panchayati Raj (Amendment) Bill, 2015 which seeks to amend the
Haryana Panchayati Raj Act, 1994 and fixes minimum educational qualification relating to eligibility criteria for
elections toPanchayati Raj Institutions (PRIs).Haryana became the second state after Rajasthan to fix educational
and other qualifications as eligibility criteria for the candidates contesting Panchayat elections.

7
 Highlights of the Bill:
Mandatory for the candidates to have a functional toilet at home and payment slips of power bills.
Minimum qualification for contesting Panchayat elections is: matriculation for general candidates,middle
standard or class 8thpass for women (general) and Scheduled caste candidates andclass V pass forwomen SC
candidates.
Persons against whom charges have been framed by the competent court for criminal ( offences punishable by
not less than 10 years of imprisonment will not be allowed to ( contest the elections till they are acquitted by
the court).
Cooperative loan defaulters will also be debarred from contesting the elections to ( Panchayati Raj Institutions).

Union Home Minister, Rajnath Singh announced 33% reservation to women in all para-military
forces. Central Industrial Security Force (CISF) will also recruit women under 33%
reservations.Currently the participation of Women in all forces remained at only 5.04%. The
reservation would improve the strength of all Para Military forces from 1.36 lakh to an estimated
two lakh.

Haryana government has announced the ban on gutka, pan-masala and other products that are
containing tobacco. Manufacturing, storage and sales of all tobacco products has been completely banned in the
state.

Union Cabinet has given its approval to National Offshore Wind Energy Policy, which would provide the roadmap for
development of such plants in the country. India is already among the worlds top producers of electricity from
windmills on land, with a capacity of more than23,000 mw.Under this policy
Ministry for new and renewable energy (MNRE) will be the nodal authority for offshore wind power within
Exclusive Economic Zone (EEZ).
National Institute of Wind Energy (NIWE) will be the nodal agency to allocate offshore blocks for wind energy,
coordinate with other ministries and development of offshore wind energy in the country.
Development of offshore wind energy, including setting up of offshore wind power projects and research and
development activities, in waters, in or adjacent to the country, up to the seaward distance of 200 nautical
miles (exclusive economic zone or EEZ of the country).

National Institute of Wind Energy (NIWE) will be the nodal agency for development of offshore wind energy in the
country. Policy would help to achieve countrys targets for renewable energy and development of wind energy. The
government aims to add 1 lakh mw of solar energy capacity and 60,000 mw of wind energy by 2022.

The Union Cabinet approved constitution of the 21st Law Commission of India for a period of three years from
September 1, 2015 to August 31, 2018. The Law Commission will consist of Full-time chairperson, 4 full-time
members including a member-secretary, a secretary for Department of Legal ( Affairs, a secretary for Legislative
Department and Part-time members (not exceeding five).

West Bengal CM, Mamata Banerjee announced that the government has decided to put
all files and documents related to NetajiSubhas Chandra Bose in the public domain.
The total number of documents to declassify on NetajiSubhas Chandra Bose is 64 files
and these files will be put on display at Kolkata Police Museum. ( West Bengal CM,
Mamata Banerjee also announced to digitize the documents from the period of 1937 to
1947. ( Netajis grandnephew, Chandra Kumar Bose commented this action as a positive
stepfrom the government. All India Forward Bloc (AIFB), a party founded by Netaji himself in 1939. AIFB also demanded
that all files related to Netaji in the Centre and other states should be made available to public. ( AIFB general
secretary DebabrataBiswassaid that these 64 files may not solve the mystery of Netajis disappearance.

India has made its debut in the Quacquarelli Symonds (QS) list of top 200 universities globally. The Indian Institute
of Science, Bangalore(IISc) and the Indian Institute of Technology, Delhi (IIT-D) have been placed 147 and 179
respectively in the QS World University Rankings for 2015-16. Massachusetts Institute of Technology (MIT) retains
the top spot in the QS World University Rankings for the fourth year running. Harvard is at second position.

This is the 12th edition of QSs annual ranking of the worlds top universities. QS usessix performance indicators to assess
institutions global reputation, research ( impact, staffing levels and international complexion. A total of 82 countries)
are represented in the QS World University Rankings this year, (with the largest shares claimed by the US 154) .

8
 Leaders of the Apatani and Nyishi tribes of Arunachal Pradesh signed an accord in presence( of Arunachal Pradesh
chief minister NabamTukiin capital city Itanagar. This agreement will lead to new era of peaceful co-existence and
social harmony. The accord with eight resolutions was signed by BengiaTulom President of Nyishi Elite Society
(NES) and DrHageLoder President of TaniSupumDukum (TSD) at Ziro town.

The Marathi film Court was selected as Indias official entry to the 88thAcademy Awards, 2016.
( It will be sent in the Best Foreign Film Category. ( The movie was directed by debutant
ChaitanyaTamhane. ( The film already won a National Award for Best Feature Film in 2014. ( The
movie revolves around the proceedings of a lower court and its surrounding drama.

International News

Mount McKinley, the 20,237-foot mountain and the tallest in North America which was named after 25th U.S.
president, William McKinley, Obama administration renames Mount McKinley to Denali.

Government of India is planning to launch the global alliance InSPA (International Agency for Solar Policy &
Application) on solar energy at a conclave in New Delhi. Its launch event is expected to be attended by 107 member
countries that are located between Tropic of Cancer and Tropic of Capricorn including China and Australia.

India on 1 September 2015 won the UNESCO prize Award of Excellence 2015 for conserving the Sree Vadakkunnathan
Temple of Kerala. The award was given in the category of UNESCO Asia Pacific Heritage Award for Cultural Heritage
Conservation.

The National Aeronautics and Space Administration (NASA)and the US Agency for International
Development (USAID)have launched a new joint project named SERVIR- Mekong to strengthen
regional environmental monitoring in five countries ofSoutheast Asia namely Burma, Cambodia,
Laos, Thailand andVietnam.

The Russian spacecraft Soyuz, carrying three astronauts- a Russian, Dane and Kazakh blasted off
from the Baikonur Cosmodrome in Kazakhstan, becoming the 500thmanned launch in space travel
history.

The United Nations General Assembly (UNGA) has approved the( draft 2030 Sustainable Development Agenda. It has
now been sent to all the states for adoption. ( 2015 is marked by watershed events for the International Community,
with the Third International Conference on Financing for Development in Addis Ababa in July; the approval of the
Sustainable Development Goals and the Climate Change Summit, widely referred to as COP-21, that is going to be
held in Paris in December. ( The 17 Sustainable Development Goals (SDGs) are comprehensive and address the
social, economic and environmental dimensions of sustainable development in an integrated way.

India and the United Arab Emirates (UAE) formally agreed to enhance their cooperation in all areas of bilateral
relations and to increase their trade by 60 per cent over the next five years. Both the countries have agreed to
enhance cooperation in different areas including trade, commerce, energy, defence, space, investments, security
and combating Crime.

Representing India in Global Goals Campaign the famous celebs of bollywoodAkshay Kumar,
HrithikRoshan and AR Rahman joined together. The objective of the 7 days- Global Goal
Campaign is to create and raise awareness about sustainable development, nationally and
internationally. ( This campaign will be launched by 193 world leaders at the UN summit on
25th September, 2015. (Apart from Indian celebs there are many other iconic personalities like
the Nobel laureate MalalaYousafzai, Hollywood A-listers such as Bi ll and Melinda
Gates,Professor Stephen Hawking,AshtonKutcher, Jennifer Lawrence, Oscar winning actress Meryl Streep and many
others are also going to take part in the campaign).

RajavarothiamSampanthanis the leader of the Tamil National Alliance( (TNA) in Sri Lanka, which emerged as the third
largest party in the recent elections, with 16 seats in the 225-member assembly. It is a Tamil ethnic minority party in
the Sinhalese majority country. ( This is the first time in 32 years since 1983, when an ethnic minority lawmaker was
elected as a leader of opposition. The opposition had resigned en masse in 1983 to protest against a new statute

9
 that compelled them to denounce separatism. ( An alliance government headed by RanilWikremesinghewas formed
by the two Sinhalese parties United National Party (UNP) and United Peoples Freedom Alliance (UPFA). Rajapakse
refused to join the coalition and remains in the opposition.

Singapores ruling party PAP retained its unbroken 56-year grip on power. Its general election
to form its 13th Parliament was held on 11 September 2015. (Contested parties were the
Peoples Action Party (PAP) led by Lee HsienLoongandWorkers Party of Singapore (WP) led by
Low ThiaKhiang. ( The PAP won 83 of 89 seats on offer, while the opposition Workers Party
(WP) secured six seats. ( Turnout was 93.56% among registered voters. ( The results showed the
PAP won about 69.9 percent of the vote, above the 60.1 ( percent it won in the last election in 2011, which was its
worst-ever showing. In the last parliament it had 79 of a total 87 seats.

Egypts Prime Minister Ibrahim Mahlaband his cabinet resigned amid corruption probe.
( President Abdel Fattah el-Sisiaccepted the resignation.( Sherif Ismail, an Egyptian
Engineer who served as the Minister of Petroleum and mineral resources in the Ibrahim
Mahlabs government sworn in as the new Prime Minister of Egypt. ( He took oath of
office as the Prime Minister in the 33 member cabinet including 16 new members and
3 female members).

Malcolm Turnbull has been sworn in as 29th Prime Minster of Australia by the Governor
General, Peter Cosgrove. ( The Australian PM Tony Abotthas been ousted by his party in
aleadership challenge. ( Malcolm Turnbull secured 54 votes from his parliamentary colleagues
while Tony Abbotreceived 44 votes only).

Constituent Assembly of Nepal has rejected the proposal to declare Nepal as a Hindu State. The proposal was
forwarded by Pro-Hindu National Democratic Party of Nepal to declare Nepal as a Hindu State. ( Only 21 members of
the Constituent Assembly supported this proposal out of total 601members. It is necessary to secure 10% of vote to
amend this proposal).

Nepals 601-seat Constituent Assembly approved the new constitution with a 507-25 vote. It has approved after
seven years of painstaking efforts and deliberations. The vote was boycotted, however, by smaller opposition
parties that account for 9 percent of the assembly. Indian Government has expressed its concern over the new
constitution as it feels that Madhesis (Maithili, Bhojpuri, Avadhi, Hindi and Urdu-speaking people) have not been
given adequate representation and autonomy.

The Government will organize the 9thRegional PravasiBharatiya Divas (RPBD) in Los Angeles, California in the United
States of America on November 14-15.Theme for RPBD - The Indian Diaspora: Defining a New Paradigm in India-US
Relationship

India is looking to step up the pedal over its ambitious Chabahar port project on the Persian Gulf in Iran by signing
an international transit corridor agreement with Iran and Afghanistan. One of the reasons why the port project is
important for India as it will facilitate access to Afghanistan, bypassing Pakistan. India will invest Rs 1, 00,000
crore totally in this project.

Alexis Tsipras, leader of the left-wing Syriza party has sworn in as the Prime Minister of
Greece for the second time by the President ProkopisPavlopoulos. The left-wing party has
secured 35% of total votes in the recent elections.The party has formed a coalition
government with the Independent Greeks Party to achieve majority seats in the Parliament.

Prime Minister Narendra Modi visited Ireland on 23rdSeptember, 2015 for his maiden day-long visit to Irelands
capital city Dublinfor strengthening ties and deepening cooperation.( (Irish Prime Minister Enda Kenny) (Irish
President Michael D. Higgins) (Ireland Currency Euro)( (India Ambassador to Ireland MrsRadhikaLalLokesh).He
is the first Indian Prime Minister to visit the country in almost 59 years. (The last Indian prime minister to visit Ireland
was Jawaharlal Nehru in 1956).

The main objectives of the visit were to solicit Ireland support for Indias membership of UN Security council,
international export control regimes including NSG (Nuclear supplier group), promote business, tourism, science &
technology and educationbetween two countries.

10
 Prime Minister NarendraModi was on a five-day visit to the United States of America (USA) from September 24 to
September 29. Here is the overview

SEPTEMBER 24th: MEETING WITH CEOs OF FORTUNE 500

On the first day of his visit, Prime Minister NarendraModi met with 47 CEOs of Fortune 500 companies for attracting
capital and investments in India. He sketched out his vision for Start-Up India, Stand-Up India in meeting.
Theme Media, Technology and Communications Growth Story for India.

SEPTEMBER 25th:NaMo ADDRESSED UN SUSTAINABLE DEVELOPMENT SUMMIT

The United Nations sustainable development summit on was held from 25 to 27 September 2015 in New York
which was hosted by UN Secretary General Ban Ki-moon where Modi addressed the 70th session of UN General
Assembly
New framework Transforming our world: the 2030 Agenda for Sustainable Development

SEPTEMBER 26th: INDIA HOST G-4 SUMMIT

PM Modi hosted a G-4 Summit with leaders of G-4 nations Brazil, Germany and Japan in New York. This summit
aims at the permanent member seats on the United Nations Security Council. After 2004 it was hosted by
India.( Participants
German Chancellor Angela Merkel, Japanese PM Shinzo Abe( Brazilian President DilmaRousseff

SEPTEMBER 26th 27th: VISIT TO SILICON VALLEY &SAN JOSE: NaMo visited tech capital of Silicon Valley for the expansion
of Digital India initiative. There he met Microsofts CEO SatyaNadella, Googles SundarPichai, Facebooks
founder Mark Zukerberg, Apple CEO Tim Cook and leaders of other tech companies. Here are the commitments
done by the tech giants:
Google to provide India a set up base for free Wi-Fi at 500 railway stations (
Google will introduce 11 new languages in Android next month, including Gujarati. (
Microsoft to provide low-cost broadband technology to five lakh villages across ( India in collaboration with
the Indian government. (
Qualcomm to invest $150 Million in India to create a venture investment fund that ( would probably help start-
ups in the country. (
Qualcomm also announced to set up a design houses for product innovation in ( India. (
Apple to set up a manufacturing base in India. (

SEPTEMBER 27th:Startup Konnect was held by Nasscom in partnership with TiE Silicon Valley and IIM Ahmedabads CIIE
India that showcased the strengths of Indias startup ecosystem in San Jose. There he addressed a meeting of some
18,000 Indian Americans in at the SAP Centre and seven MoU was signed between Indian and US entities.

SEPTEMBER 28th:NaMo MEETS BARACK OBAMA

US President and Indian PM held talks to tighten strategic in fields of climate change, security, counter-terrorism,
defence and economy. Barack Obama publicly supported India for being a permanent member at UN Security
Council. It was a third meet of two in a year. (Other participants).

An Indian-origin Sikh migrant driver Tejinder Pal Singhin Australia has been named Australian of the Day by
Commonwealth Bank of Australiafor feeding the homeless in Darwin for the past three years. Commonwealth Bank
has sponsored the Australian of the Year Awards for over 35 years, recognising extraordinary Australians who have
made a big difference to the country.

More than 750 pilgrims from around the world were killed in a crush outside the Muslim holy city of Mecca, Saudi
authorities said, in the worst disaster to strike the annual haj pilgrimage for 25 years. 58 Indians have been
confirmed dead in the tragedy and over 70 are still missing.

India signed a nearly $3 billion deal for purchase of 22 Apache attack helicopters and 15 Chinook heavy-lift
choppers with American aviation giant Boeing and the US government. The first helicopter is likely to be handed over
to India in the next three to four years.

11
Business News

Union Cabinet has allowed 100% Foreign Direct Investment (FDI) in White Label ATM operations. This decision was
taken byPrime Minister NarendraModiin the Union Cabinet meeting to promote financial inclusion in the country.
It would help to increase the number of ATMs in semi-urban as well as in rural areas. Currently more than 1.82 lakhs
ATMs operated in the country by 54 banks which includes public, private as well as foreign banks.

Japan has agreed to modernize railway stations across India while participating in the countrys 140 billion USD
investment plan in the Railways over the next five years. ( While agreeing for cooperation on modernisation and
upgradation, Japan has agreed to assist the public transporter in achieving its zero-accident mission. (Railway
Minister Suresh Prabhu, who is in Japan to strengthen cooperation in rail sector, held a series of high-level meetings
with Japanese Prime Minister Shinzo Abe, Deputy Prime Minister and Finance Minister Taro Asoamong other ministers
and senior officials).

The two-day (September 9-10, 2015) Global Investor Conference organized by state if Tamil
Naduwas very successful with companies committing investments of Rs.2.4 Lakh Crore.(
More than 3,000 companies from 9 partner countries (South Korea, Japan, Australia, Canada,
France, Italy, Russia, UK, ( Singapore ( ) and 30 non- ( partner countries participated in the
conference.

E-Visa facility would be extended to 37 more countries to attract maximum foreign tourists in the country. Currently,
there are e-Visa facilities to 113 countries which will go up to 150. A total of 22,286 tourists used e-Visa facility to
visit India in August this year, compared to 2705 in August, 2014.

Aiming to enhance the countrys image as a friendly investment

destination, the Department of Industrial Policy and Promotion
with technical assistance from the World Bank, consultancy
firm KPMG, and CII and FICCI has released a state-wise report
on the ease of doing business in which Gujarat has topped with a score of 71.14%.
States assessment
Gujarat topped the category of complying with environmental procedures. (
Aspiring leaders title states (50% 75%) Andhra Pradesh, Chhattisgarh, ( Gujarat, Jharkhand, Madhya
Pradesh, Odisha and Rajasthan (
Punjab leads in the area of setting up a business (
Maharashtra was ranked highest in obtaining infrastructure-related utilities (
Karnataka received the highest score on registering and complying with tax ( procedures (
Jharkhand led the field in carrying out inspections (

India has slipped further to81 in the list of Global Innovation Index (GII), compared to76 in 2014. The ranking
consisted of 141 economies across the world on their innovation capacity and efficiency, using 79 indicators to
gauge both innovative capabilities and measurable results. The GII study was published by Cornell University,
INSEAD France and World Intellectual Property Organization (WIPO). (Switzerland, UK, Sweden, The Netherlands
and US are the worlds five most innovative nations).

India is improving its spot among other competitive economies as India laddered
16 positions up and ranked with 55thposition on a global index among 140
countries of the world. This improvement in Indias position is a signal of the
countrys economic recovery.
INDIAs RANKINGS IN SUB- INDICES
In macroeconomic environment India is ranked at 91stbecause of reduction in commodity prices and
governments budget deficit also improved comparison to last year.
In terms of competitiveness of its institutions India is ranked at 60th.
Quality of its electricity supply India ranked 91stwhich is still down.
On hiring-and-firing practices in the labour market India ranks 25th.
Favouritism in the decisions of government officials 32nd.
Quality of health & primary education it ranks 52nd.
In available airline seats per km ranked at 11th.

12
 In terms of infrastructure it is ranked at 81st.
Burden of government regulations 27th.
Trust in politicians India ranked 31st.

India overtakes China and the United States by grabbing the crown of the foreign direct investment (FDI) in the
Financial Times report. With this India becomes the worlds number one pool for foreign direct investments. India
surpasses China with $3 billion and US with $4 billion as the total foreign capital inflows.In the half yearly report
of 2015 India received a total of $31 billion in foreign capital inflows followed by China $28 billion and US third with
$27 billion. There is a jump of $ 18 billion in Indias FDI compared to first half of the last year which were $12 billion
and was ranked at 5th position.

The ranking of the top destinations for Greenfield investment is measured by estimated capital expenditure.

Sports & Entertainment

For outstanding excellence in the field of sports;Sprinter MachettiraRajuPoovamma(Athletics) and Wrester

BabitaKumarihave been honoured with Arjuna Award 2015.

Gagan Narang, an Indian shooter and Olympic medalist achieved the No.1 spot in Mens 50m Rifle prone shooting
category in( Asia with 971 points.JituRai(well known as Pistol King) hit thesecond place with 1929( points in Mens
50m Pistol shooting and Jongoh Jin who belongs to Korea secured the 1st place in this category).

Virat Kohli has become a co-owner of the UAE Royals team in the International Premier Tennis League (IPTL). The
team will feature 17-time Grand Slam champion Roger Federer this season.

Sania Mirza and Martina Hingis won the Guangzhou Open title of tennis. The top- seeded Indo-
Swiss pair defeated the Chinese pair of Xu Shilin and You Xiaodi 6-3, 6-1 in the summit clash
held at Guangzhou of China. It was Sanias seventh title of the 2015 season and sixth with Hingis.

India beat Sri Lanka 2-1, their first test-series win on the Lankan soil in 22 years. The last series win in the island
nation was in 1993. ( This is ViratKohlis first series win as a captain ever since he took over reins of the team from
Mahendra Singh Dhoni. ( With this win, ViratKohli has become the youngest Indian Test captain at 26 years and 300
days, to win a series away from home. The earlier record was held by Kapil Dev. (CheteshwarPoojara was named
Man-of-the-match for his unbeaten 145 innings whereas R. Ashwin was the Man-of-the-series for the 21 wickets
taken by him).

The Commonwealth Games Federation general assembly in New Zealand selected the South African
city of Durban, South Africa as the host for the 2022 multi-sports event. The coastal city won the bid
for the event after the Canadian city of Edmonton dropped out of the contention, citing falling oil
prices as a reason for withdrawal. (The 2018 Games are slotted to be held in Gold Coast, Australia).

Coca-cola FIFA (Federation of International Football Associations) released the rankings of

world national teams. The World cup finalist, Argentina secured the top position). Belgium
was at the second place. (Germany and Colombia secured 3rdand 4thranks respectively). 5-
times world Brazil holds the 5th place and Indian football team secured 155thrank.

ApurviChandela (Age 22),Indian shooter secured the silver medal in womens 10 meters air
rifle event at ISSF (International Shooting Sport Federation) World Cup final. (Apurvi is a gold
medalist in the Commonwealth games-2014,Glasgow-Scotland).

Mercedes driver Lewis Hamilton of Britain won 2015 Italian Grand Prix of Formula One. It was his seventh victory of
the season. In season 2015 Lewis Hamilton has won Australian Grand Prixand later won Chinese
Grand Prix, Bahrain Grand Prix, Canadian Grand Prix, British Grand Prix and Belgian Grand Prix.

The 2015 Commonwealth Youth Games was the 5thCommonwealth Youth Games which started in 2000.
They were held in Apia, the capital of Samoa. India ended at the fifth spot in the overall tally with 19
medals. The 2018 Commonwealth Games will be held at Gold Coast City, Queensland in Australia.

13
Science & Technology

Centre for Railway Information Systems (CRIS), the Railway ministrys IT arm, has launched paperless unreserved
ticketing through mobile phones between Delhi and Palwal section, Coin-cum-Card operated ATVMs (Automatic
Ticket Vending Machines) at New Delhi railway station and a Parichalaan mobile application for freight operations.
(The paperless unreserved ticketing facility is already in operation in Chennai and Mumbai and is going to be
slowly made available in the
suburban sections of the Eastern
Railway, South Eastern Railway
and South Central Railway).
Mobile purchase of Platform tickets and Monthly Seasonal tickets will be enabled in the Mumbai and Chennai
suburban networks. (The Parichalaanapp will help senior decision makers of the operations department to plan
freight operations on a real-time basis. ( Talks for a MoU for using Geospatial Technology and Satellite technology for
various operations of Railway are underway between CRIS and ISRO).

The Indian Wind Atlas is an online GIS (Geographic Information Tool) for identification of the regional and local
wind energy potential in India. ( It gives information about various parameters such as Wind Speed (m/s), Wind
Power Density and Capacity Utilisation Factor (CUF)calculated for an average 2 MW Turbine that can operate at 100
m level. (The Atlas will help policy makers at Centre and State Governments to deal with issues related to tariff
fixation, transmission, grade frequency etc and providing better infrastructure for the investors). (The information
will be available free of cost).

As a step towards make in India initiative or Digital India movement Indian government
to launch its new and improved version of the operating system (OS), named Bharat
Operating System Solutions (BOSS) which it plans to replace all other OS, including the
most popular Microsoft Windows in future. The new OS BOSS is a Linux distribution,
developed by C-DAC (Centre for Development of Advanced Computing) with the help of
Gujarat Technical University, DRDO and private computer manufacturers.

The Ministry of Urban Development has come out with a Smart National Common
Mobility Card (NCMC) model to enable seamless travel by different metros and other
transport systems across the country besides retail shopping and purchases. Minister
of Urban Development M.Venkaiah Naidu has approved the EMV Open Loop Card
with stored value in this regard. The card will do away with the need to carry separate
cards for banking and transit requirements. ( It meets travel needs based on stored
value of money and can be used for travelling by any means of transport and also
enables account based retail applications. (The National Payments Corporation of India (NPCI) will be involved in
development and management of services, while Centre for Development of Advanced Computing (C-DAC) will
develop the standards and hardware).

NASA-ISRO Synthetic Aperture Radar (NISAR) is a dedicated US and Indian InSAR mission,
in partnership with ISRO, optimized for studying hazards and global environmental
change. As part of it NISAR satellite, which will be the first radar imaging satellite to use
dual frequency, is expected to be launched during the year 2021.

Taking forward the Digital India Mission of PM Narendra Modi, the deputy commissioner of Faridabad district in
Haryana has launched E-Vidyavahini, a computer literacy vehicle that will travel to the urban and rural belts of the
district. Digital Literacy Bus E-Vidyavahini was dedicated to the people by Haryana chief minister Manohar Lal
Khattar on September 5. The bus, prepared with an investment of Rs 35 lakhs, is aimed to start the computer training
on wheels. It is equipped with 20 laptops, one LCD and is connected with internet facility and can enable computer
learning for 20 students at a time.

India launched its first space observatory, Astrosat, from the countrys main space centre at Sriharikota in Andhra
Pradesh, becoming a member of the select group of space organisations to have a lookout in orbit after the US,
Japan, Russia and Europe. The satellite was zoomed into space by a PSLV C-30 rocket from the Satish Dhawan Space
Centre at 10am.

14
News Makers

Indian-American Pulitzer Prize winning writer JhumpaLahirihas been selected for the
prestigious National Humanities Medal by US President Barack Obama. ( According to the
awarding committee, she is being awarded the medal, for enlarging the human story. In
her works of fiction, Dr. Lahiri has illuminated the Indian-American experience in
beautifully wrought narratives of estrangement and belonging.).

Fifteen-year-old prodigy K Vilasini is a holder of five world records, including the highest IQ and IELTS (International
English Language Testing System). Pursuing her first year B.Tech Degree in Computer Science at Kalasingalingam
University in Srivilliputhur, K Vilasinis precocious talents were evident when she was just 11 years of age. ( She also
recently interacted with Prime Minister NarendraModi on ideas to serve the country in Teachers day celebrations).

60 years old veteran actor AnupamKherhas been presented with the Honoured ( Guest award by the U.S. state of
Texas for his contribution to cinema and art. The award was conferred on 60-year old thespian at the hands of
HuestonDy Mayor Ed Gonzalez on behalf of Texas State Governor Greg Abbot).

President Pranab Mukherjee conferred the Gandhi Peace Prize 2014( to Indian Space Research Organisation (ISRO)
in recognition of its services in transforming India through the use of space technology and space based services at
RashtrapatiBhavan. (ISRO Chairman A S Kiran Kumar received the honour which carries Rs one crore in cash, a
plaque and a citation).

United Nations Champions of the Earth Awards 2015 were announced in 3

categories.Bangladesh Prime Minister Sheikh Hasinawas awarded for Policy
Leadership to address the issue of climate change. National Geographic Society
(NGS) was selected in the Science and Innovation category, while Natura
Brasil was awarded in the entrepreneurial vision category.

15-year-old Indian-American teen SwethaPrabhakaran has been selected by the White House for the prestigious
Champions of Change award for empowering the community by imparting Internet coding through her non-profit
organization Everybody Code Now) .

Indian-origin British author SunjeevSahotais among six writers shortlisted for the prestigious Man Booker Prize for
Fiction for 2015. ( Sahota has won glowing reviews for his novel The Year of the Runaways which centres on the
lives of three Indian men one a Dalit and a woman, all migrants from India. ( His name also figured in Grantas
Best of Young British Novelists in 2013 for the book.)

AqeelaAsifi, an Afghan refugee who has dedicated her life to teach refugee girls( in Pakistan has won the 2015
UNHCR Nansen Refugee Award. The award ceremony will be held on October 5thin Geneva.

The 67thAnnual Primetime Emmy Awards honored the best in U.S. prime time television programming from June 1,
2014 until May 31, 2015 as chosen by the Academy of Television Arts & Sciences. The ceremony was held on
September 20, 2015 at the Microsoft Theater in Downtown Los Angeles, California, and broadcasted by Fox in the U.S.
Game of Thrones set a new record by winning 12 awards (including eight won at the previously held Creative Arts
Emmys held on September 19, 2015).

PepsiCo Chairman IndraNooyiand Hindustan Times Group chairperson ShobhanaBhartiahave been presented with
the 2015 Global Leadership Award of the US India Business Council (USIBC), for their commitment to driving a more
inclusive global economy and their roles as women leaders.

Hindi writer Dr Kamal Kishore Goenkawas conferred with 24th VyaasSammanfor the year 2014. He was awarded for
his work PremchandkiKahaniyonkaKaalKramanusaarAdhyayan. (He was awarded a citation and a cash amount of
2.5 lakh rupees by the Hindi writer, Vishwanath Prasad Tiwari). (Vyaas Samman was founded by the KK Birla
Foundation. It is presented to an outstanding literary work in Hindi).

Veteran actor ShashiKapoorwill be honoured with lifetime achievement award at the 6th Jagran Film Festival in
Mumbai

15
 Indo-American KartikChandran (41) an environmental engineer has been conferred with 2015 MacArthur Fellow
and given a genius grant of $625,000 for working on a transforming wastewater from a pollutant and finding
solution to the worlds need for food and energy.

Defence Research and Development Organisation (DRDO) got its first woman director general
with the appointment of J Manjula as Director General, Electronics and Communication Systems
cluster. Manjula has the honour of being the first woman director general of DRDO cluster. She
has been leading Defence Avionics Research Establishment (DARE), an establishment of DRDO,
as a director since July 2014.

BCCI President Jagmohan Dalmiya, aged 75, passed away late on Sunday in Kolkata. The veteran cricket administrator
had suffered a cardiac arrest recently and was undergoing treatment. Dalmiya was a well-known cricket administrator
and former ICC President as well. He is credited largely with bringing in money into Indian cricket during his initial
years with the Board and making the BCCI, one of the foremost financially strong cricket boards in the world.

Banking & Finance

Capital market regulator The Securities and Exchange Board of India (SEBI) has notified SEBI (Listing
Obligations and Disclosure Requirements) Regulations, 2015 which amended listing regulations
that allow listed companies to seek shareholders approval for related party deals through ordinary
resolutions. As per the notification, a time period of ninety days has been given for implementing
the Regulations. However, two provisions of the regulations in the revised rules, which are facilitating
in nature, are applicable with immediate effect.

In a fresh setback to the beleaguered Sahara India Pariwar, the Reserve Bank of India (RBI) has
cancelled the license of its holding company Sahara India Financial Corporation Limited (SIFCL).
(The action has been taken by the department of non-banking supervision of the RBI, in Kanpur.
The move comes in wake of several irregularities and ignoring financial rules and regulations
by Sahara, an official further informed).

Paytmto launch Indias first payments bank by the end of this fiscal year.Paytm is
the one among the 11 applicants who got the approval from RBI to establish payment
banks recently. (Paytm to get Rs 10,000 crore in deposits in the next three years. It
has more than 104 million mobile wallets and it is expected that it will reach 150
million mobile wallets by March 2016).

The National Payment Corporation of India (NPCI), an umbrella institution for retail payments, will launch a Mudra
card, a credit card and an international card. NPCI had launched the RuPay payment scheme earlier Reserve Bank
of India (RBI) granted in principle approval to 10 companies to set up small finance banks to provide access to
financial services in rural and semi-urban areas. The selected applicants are:
1. Au Financiers (India) Limited, Jaipur
2. Capital Local Area Bank Limited, Jalandhar
3. DishaMicrofin Private Limited, Ahmedabad
4. Equitas Holdings P Limited, Chennai
5. ESAF Microfinance and Investments Private Limited, Chennai
6. Janalakshmi Financial Services Private Limited, Bengaluru
7. RGVN (North East) Microfinance Limited, Guwahati
8. Suryoday Micro Finance Private Limited, Navi Mumbai
9. Ujjivan Financial Services Private Limited, Bengaluru
10.Utkarsh Micro Finance Private Limited, Varanasi.

The SEBI has slappd its highest ever fine of 7,269 crore, on PACL and its directors. The reason is for failing to register
the companys collective investment scheme (CIS). (The CIS took thousands of crores from small investors. (PACL,
formerly Pearl Agrotech Corporation, is in the business of realty and land development).

16
 Forward Markets Commission (FMC)has been merged with Securities Exchange Board of India (SEBI) with effect from
28thSeptember, 2015. It is first ever merger of two regulatory bodies. FMC was a regulator for commodities markets
since 1953 but due to lack of powers it led to alleged irregularities and speculative illegal activities like dabba
trading and these became the part of this segment. Also the NSEL (National Spot Exchange Ltd) scam let down this
market with money crisis of Rs 5000 crores

Reserve Bank of India (RBI) has reduced the repo rate by 50 basis point from 7.25% to 6.75%. The repo rate was last
at 6.75 percent in March 2011. This is the fourth time that the RBI has cut rates since January 2015. Repo rate is the
rate at which RBI lends money to commercial banks in the event of any shortfall of funds. Reverse Repo Rate stands
reduced at 5.75%, while CRR and SLR are unchanged at 4% and 21.5% respectively.

Bankers ChandaKochhar and Arundhati Bhattacharya have been ranked as top two in a list of most powerful women
in Asia-Pacific prepared by the global magazine Fortune.

Holachef is a food tech startup which was launched in 2014 by SaurabhSaxena and Anil Gelrafor
retail customers in Mumbai and now has a customer base in Mumbai and Pune. Ratan Tata has
made his 14thinvestment in a startup in his personal capacity since his retirement in 2012 with
an objective to reach budding entrepreneurs and have them draw from the Tata Trusts expertise
to give a strong push to new businesses. (Ratan Tatas personal worth is pegged at $1 billion
and is an advisor in the venture capital fund, Kalaari Capital).

E-commerce major Snapdeal will invest USD 100 million (about Rs 665 crore) in Shopoas it looks to build up the
recently launched venture into a one million seller- strong platform. (Shopo was launched in July and is a zero
commission mobile marketplace targeting small and medium businesses which combines chat and commerce on
smartphones. ( Snapdeal claims that it does not take any fees and allows SMBs to list their products in a single
step). (Sellers would be able to chat with their prospective customers and sell them products, taking into consideration
the mode of transaction and delivery method. They would also be able to provide information, negotiate a price and
arrange for pickup while closing transactions).

Doha Bank has tied up with Anil Ambani-led Reliance Group to generate business opportunities in the Gulf Cooperation
Council (GCC) nations and India. ( Saudi Arabia, Kuwait, the United Arab Emirates, Qatar, Bahrain and Oman are part of GCC.

Anil Ambani-led Reliance Defence Ltd (RDL) has signed anMoU with Abu Dhabi Ship Building to set up a strategic
partnership for construction of naval ships, including frigates and destroyers to address the demands of Gulf
Cooperation Council (GCC), over the next 10 years. ( RDL is a fully owned subsidiary of Reliance Infrastructure Ltd
while Abu Dhabi Ship Building (ADSB) is a leading provider of construction, repair and refit services for naval,
military and commercial vessels).

16.9 billion USD Mahindra group has finally made its debut into the e-commerce space with the launch of M2ALL.com,
an e-marketplace for Mahindra products and services. ( The online marketplace has begun taking bookings for the
new compact SUV Mahindra TUV300 the compact sports utility vehicle from the Mahindra stable. ( Mahindra e-
Market Private Ltd, a 100 per cent subsidiary of Mahindra & Mahindra Ltd, owns this e-commerce venture and has
been developed under the guidance of Mahindra Group Chief Financial Officer (CFO) VS Parthasarathy).
(MrParthasarathy has been named as the Chairman of this venture and Vijay S. Mahajan heads it. A small team of
10 people are involved in this project and more are expected to join soon).

Lycos and Apollo International Ltd have signed an agreement to launch a joint venture (JV) that will provide B2B e-
commerce marketplace for industrial goods and luxury brands. This venture will be called Apollo Lycos Netcommerce.
The joint venture(Apollo Lycos Netcommerce will design, develop and also fulfill E-commerce for brands online).

Telecom operator, Uninor renamed as Telenor, the name of its parent company and
expands call drop refund plan. Telenor will provide compensation for call drops to
all calls made from its network. (It has also changed its tagline from SabseSasta to
Ab life full paisa vasool). Earlier of this month, the company had changed the name of
the company from Telewings Communications Services to Telenor (India)
Communications. Telenor India operates in six circles of the country namely Andhra Pradesh, Bihar, Gujarat,
Maharashtra, Uttar Pradesh East and West. Telenor has secured fourth rank in revenue and also in customer market
share. Telenor India CEO VivekSood.

17
 Test your current affairs quotient

1) Who has been appointed as the CMD of India Trade Promotion Organization?
(a) Tiju Thomas (b) AcharyaDev (c) Aziz Haqqani (d) L C Goyal

2) Union Government has contributed how much amount for the Employees Pension Scheme (EPS) for the year 2015-16?
(a) Rs. 2,000 crore (b) Rs. 1,000 crore (c) Rs. 3,000 crore (d) Rs. 3,500 crore

3) Oliver Wolf Sacks who recently passed away was a famous________.

(a) Physicist (b) Chemistry (c) Biologist (d) Neurologist

4) Who has been appointed as the interim Chairman & MD (CMD) of National Thermal Power Corporation (NTPC)?
(a) AshwaniLohani (b) A K Jha (c) M L Tahaliyani (d) AmolPalekar

5) Which of the following committee is related to Minimum Alternative Tax (MAT)?

(a) A P Shah Committee (b) Gandhi Committee (c) Basel Committee (d) A K Ganju Committee

6) Which of the following team has won the BuchiBabu Memorial Trophy in the All India Invitation Cricket Tournament?
(a) Tamil Nadu (b) Rajasthan (c) Mumbai (d) Punjab

7) Who is the author of the book- The Duels of the Himalayan Eagle?
(a) V S M NandanCaturvedi (b) Air Marshal (Retd.) Bharat Kumar
(c) Commodore AnandCheem (d) Navy Marshal (Retd.) Nikhil Chandra

8) Indias National Stock Exchange (NSE) has signed a MoU with ______ to enable cooperation between the two exchanges.
(a) Stock Exchange of Mauritius (b) New York Stock Exchange
(c) Hong Kong Stock Exchange (d) Shanghai Stock Exchange

9) ICICI Lombard General Insurance has signed a Joint Venture with which of the following banks for bancassurance?
(a) Catholic Syrian Bank (b) Standard Chartered Bank
(c) Citi Bank (d) ING Vysya Bank

10) Intellectual Property Rights Facilitation Centre (IPFC) MSMEs has been launched in which city?
(a) Kanpur (b) Gangtok (c) Lucknow (d) Guwahati

11) With which country India has agreed to conduct joint working group on defence research and material cooperation
to strengthen the Bilateral Defence Partnership?
(a) Nepal (b) Bangladesh (c) Australia (d) China

12) Reserve Bank of India has issued Rs. 5 denomination to mark the golden jubilee year of __________.
(a) Indo-China War 1965 (b) Indo-Pak War 1965 (c) Indo-Nepal War 1965 (d) Indo-Myanmar War 1965

13) Name the Indian Shooter who won Silver medal in womens 10m air rifle event of the ISSG Rifle and Pistol World Cup
Finals?
(a) AnaghaDeshpande (b) Anjali Bhagwat (c) ApurviChande (d) AnjumChopral

14) PM NarendraModi has announced which of the following places as the spiritual capital?
(a) Bodhgaya (b) Gangotri (c) Kedarnath (d) Badrinath

15) What is the theme of the SAARC Countries conference which was being held in New Delhi?
(a) Fight Against Terrorism (b) Economic Co-operation
(c) Food Security (d) Disaster Mitigation

16) Who is the New President of W20 Group, which was formed by G-20 Nations to support Gender Inclusive Global
Economic Growth?
(a) Christine Lagarde (b) Mary Barra (c) GuldanTurkan (d) NgoziOkonjo

18
17) Indian Railways has signed a MoU with which of the following organization to provide online images of trains using
Geo-Spatial Technology?
(a) ISRO (b) Google (c) NASA (d) Yahoo

18) One Rank One Pension Scheme is related __________.

(a) Physically Challenged Senior Citizens (b) Retired Government Officials
(c) Ex-Servicemen (d) All Senior Citizens

19) Name the Indian Boxer who won Silver Medal in the Asian Championship which was held at Bangkok, Thailand?
(a) Dingko Singh (b) Jitender Kumar (c) Vikas Krishnan (d) Vijender Singh

20) Shaheen (Eagle)-4 is the name of the joint Air Exercise which was conducted between China and ________.
(a) India (b) Nepal (c) Sri Lanka (d) Pakistan

21) International Film Festival for persons with disabilities 2015 was hosted at________.
(a) Singapore (b) Japan (c) India (d) China

22) Who is the second Australian Cricketer (next to Ricky Ponting) to win back-to-back Allan Border Medals?
(a) Shane Watson (b) Steven Smith (c) James Faulkner (d) Brad Haddin

23) Who has been appointed as the New Director General (Electronics & Communications Systems) of DRDO?
(a) NainaLalKidwai (b) NeelamDhawan (c) EktaKapoor (d) J Manjula

24) Which of the following Indian Organization has signed a MoU with the Abu Dhabi Ship Building (ADSB) to start the
construction of naval ships?
(a) Birla Group (b) Reliance Group (c) TATA Group (d) Adhani Group

25) Who has been appointed as the new member of the NitiAayog?
(a) Ramesh Chand (b) MrinalPande
(c) Vishwanath Prasad Tiwari (d) Leela Samson

26) Commonwealth Youth Games 2015 were hosted at_________.

(a) Sri Lanka (b) Turkey (c) Samoa (d) China

27) Name the Indian Weightlifting Champion who won Gold medal in the 5th Youth Commonwealth Games (CYG)?
(a) Deepak Lather (b) LaluTaku (c) SatishSivalingam (d) Akshay B Gaiwad

28) As per the World Federation of Exchanges (WFE) which of the following Stock Exchanges has the highest number of
listed companies in the world?
(a) London Stock Exchnage (LSE) (b) Bombay Stock Exchange (BSE)
(c) Newyork Stock Exchange (NYSE) (d) National Stock Exchange (NSE)

29) 7 Indians were recognized in the New Group of Philanthropists list in the 9th edition of Forbes Asian Magazine. Who
among the following is NOT one of them?
(a) Suresh Ramakrishnan (b) AkashAmbani (c) Rohan Murthy (d) Sunny Varkey

30) Name the first Indian Golfer to get qualified for Presidents Cup of Golf?
(a) GaganjeetBhullar (b) RashidKhan (c) NehaTripathi (d) AnirbanLahiri

31) India had set a bilateral trade target of 1 billion dollar by 2018, with which of the following countries?
(a) Belarus (b) UAE (c) Japan (d) Singapore

32) Who is the head of the 21st Law commission of India?

(a) AjitPrakash Sha (b) Ananth Kumar (c) Ashok Raju (d) AnantGeete

33) ISRO Chairman ________ has received the Prestigious Gandhi Peace Prize 2014 from the President Pranab Mukherjee?
(a) D R Deshmukh (b) Deepak Gupta (c) A K Mittal (d) A S Kiran Kumar

19
34) PM NarendraModi has inaugurated the 10th World Hindi Conference, which was held at _________.
(a) Ahmadabad (b) Surat (c) Bhopal (d) Nagpur

35) What is the percentage of Foreign Direct Investment (FDI) under the automatic route for White Label ATM Operations
(WLAO)?
(a) 100% (b) 90% (c) 60% (d) 80%

36) Who has been elected as the new chairman of the Audit Bureau of Circulation (ABC) during the 67th Annual General
meeting 2015-16?
(a) Suresh Ramakrishnan (b) Ramesh Chand (c) ShashidharSinha (d) IndraNooyi

37) Name the Indian Bengali American author who has won the prestigious National Humanities Medal from the hands
for US President Barack Obama?
(a) JhumpaLahiri (b) AmitavGhosh (c) Arundhati Roy (d) Chitra Banerjee Divakaruni

38) Name the Water Policy Expect who has instrumental in drafting Indias 1st National Water Policy in 1978?
(a) RamkumarVerma (b) SivaprakashRao (c) Ramaswamy R. Iyer (d) Venkatesh Butt

39) Who has been appointed as new the Managing Director and CEO of Canara Bank?
(a) AlokPande (b) Manish Gupta (c) Mohammad Mustafa (d) Rakesh Sharma

40) Name the only Indian Origin CEO to placed in the list of Fortunes 50 Most Powerful Women in Business 2015?
(a) IndraNooyi (b) ArunaJayanthi (c) KiranMazumdar (d) Vinita Bali

41) World First Aid Day is observed on ________.

(a) 4th Saturday of September (b) 3rd Saturday of September
(c) 2nd Saturday of September (d) 1st Saturday of September

42) Leander Paes and _________ have won the US Open Mixed Doubles Title 2015?
(a) Martina Hingis (b) FlaviaPennetta (c) Roberta Vinci (d) Serena Williams

43) Name the Indian Golfer who won the Singha Thailand Amateur Championship Title?
(a) MeghnaBal (b) Shiv Kapur (c) JyotiRandhawa (d) Aditi Ashok

44) Which is the first state in India to submit Annual Action Plan for the approval by the Urban Development Ministry
for the financial year 2015-16 under the AMRUT Scheme?
(a) Rajasthan (b) Punjab (c) Bihar (d) Gujarat

45) Name the Scientist who won the prestigious Silver Medal of the Royal Aeronautical Society (RAeS)?
(a) A.S Kiran Kumar (b) Dr. G. Satheesh Reddy (c) ShaileshNayak (d) K. Radhakrishnan

46) Who is the winner of the US Open Mens Single 2015 Title?
(a) Andy Murray (b) Leander Paes (c) Roger Federer (d) Novak Djokovic

47) Who is the winner of US Open Womens Singles 2015 Titles?

(a) FlaviaPennetta (b) Roberta Vinci (c) Jennifer Capriati (d) Anastasia Myskina

48) Who has been appointed as the New Chairman of Press Trust of India (PTI)?
(a) Shanta Kumar (b) Hormusji N Cama (c) Riyad Mathew (d) Mahendra Mohan Gupta

49) Who has appointed as the new Managing Director (MD) and Chief Executive Officer (CEO) of the Petronet LNG Ltd?
(a) AnoopMistra (b) RatanWatal (c) Prabhat Kumar Singh (d) Sharad Kumar

20
50) What is KalamandalamSathyabhama famous for?
(a) Malayalam Actor (b) Poet (c) Classical Dancer (d) Classical Singer

51) Reserve Bank of India has signed a MoU with which of the following banks on Supervisory Cooperation and
Exchange of Supervisory Information?
(a) Nepal Rastra Bank (b) Central Bank of Bangladesh
(c) Saudi Arabian Monetary Agency (d) Monetary Authority of Singapore

52) Which of the Indian State has ranks first in the list of the World Banks report Assessment of State Implementation
of Business Reforms?
(a) Chhattisgarh (b) Jharkhand (c) Andhra Pradesh (d) Gujarat

53) Union Ministry of Youth Affairs and Sports has recognized which of the following as the Regional Sports Federation
(RSF)?
(a) Indian Wrestling Federation (b) Indian Kalarippayattu Federation
(c) Indian Kabaddi Federation (d) Indian Martial Arts Federation

54) Which bank has launched a new credit card SimplyCLICK for online shopping?
(a) SBI (b) ICICI (c) HDFC (d) Axis

55) What is the theme of International Day of Democracy?

(a) Space for Civil Society (b) Engaging youth on Democracy
(c) Strengthening Voices for Democracy (d) Public Participation for Democracy

56) Andhra Pradesh has created history by linking which of its two rivers by the Pattiseema Lift Irrigation Scheme?
(a) Penna and Krishna (b) Krishna and Godavari (c) Arani and Maldevi (d) Godavari and Tungabhadra

57) Name the first Indian who has been selected as the Mayor of the German City Bonn?
(a) Raghu Raj Bahadur (b) Ashok-Alexander Sridharan
(c) ChandrashekarKhare (d) Kumble R Subbaswamy

58) What is the Venue of United Nations Sustainable Development Summit 2015 which was yet to be held on 27th
September 2015?
(a) Dhaka (b) New York (c) Washington (d) New Delhi

59) Name the Indian American who has been selected for the Champions of Change Award?
(a) Ravi Pradip (b) SwethaPrabhakaran (c) Harshit Jindal (d) MansiAggarwal

60) India has signed two MoUs with which of the following countries to boost the bilateral cooperation in the field of
Tourism and Umbrella Projects?
(a) Mongolia (b) Chile (c) Russia (d) Cambodia

61) Reserve Bank of India has recently granted the in-principle approval for 10 entities to set up Small Finance Banks to
provide basic banking service for small farmers and micro industries. Which among the following is NOT one of them?
(a) J & K Financiers Ltd (b) Utkarsh Micro Finance Pvt Ltd
(c) Suryoday Micro Finance Pvt Ltd (d) DishaMicrofin Private Ltd

62) South Indian Fertilizers has planned to setup Kissan Kendras and Agri Super Markets across which state?
(a) Andhra Pradesh (b) Tamil Nadu (c) Kerala (d) Karnataka

63) Name the Indian Shot putter who got qualified for Rio Olympics recently?
(a) SourabnVij (b) ManpreetKaur (c) Shakti Singh (d) Om PrakashKarhana

21
64) Which state government has launched the M-Shiksha-Mitra Mobile Application to provide various services and
teaching related work to teachers?
(a) Manipur (b) Mizoram (c) Madhya Pradesh (d) Maharashtra

65) What is the name of the new Scheme that launched by the Union Government which provides welfare for the people
and area affected by the Mining related operations?
(a) PradhanMantriSinchaiYojana (b) PradhanMantriSaansadAdarsh Gram Yojana
(c) PradhanMantriSurakshaBimaYojana (d) PradhanMantriKhanijKshetraKalyanYojana

66) What is the name of the new committee which was formed to restructure the water agencies in India?
(a) Mihir Shah Committee (b) Nair Committee (c) Singh Committee (d) Sinha Committee

67) Who is the author of the book- Two Years Eight Months and Twenty Eight Nights?
(a) Peter Johnson (b) Salman Rushdie (c) James Franklin (d) Robert Hook

68) President Pranab Mukherjee has presented the Best Rural Tourism Project Award to which state?
(a) Gujarat (b) Kerala (c) Andhra Pradesh (d) Jammu Kashmir

69) International Textile and Apparel fair VASTRA was yet to be held on 28th and 30th September at _________.
(a) Kolkata, West Bengal (b) Jaipur, Rajasthan (c) Mumbai, Maharashtra (d) Surat, Gujarat

70) Recently India has signed two key MoUs with which of the following countries on Air Services and Quick Impact
Projects under the Mekong-Ganga Cooperation (MGC) programme?
(a) Laos (b) South Korea (c) Singapore (d) Indonesia

71) Which of the following has recently launched the PanchKrantiAbhiyan?

(a) Golden Jubilee YuvaMorcha (b) Indian Young Morcha
(c) BharatiyaJanataYuvaMorcha (d) Youth India Congress

72) What is the name of the operation that rescued 19,000 missing children from slavery and abuse?
(a) Operation Save (b) Operation Beti (c) Operation Red Carpet (d) Operation Smile

73) Government has organized an exhibition remembering the Indo-Pak war of 1965 Shauryanjali which was held at ____.
(a) Jahanpanah (b) Tughlqabad (c) Rajpath (d) Agra

74) The president of Board of Control for Cricket in India (BCCI), JagmohanDalmiya has passed away recently. He
belongs to which state?
(a) Karnataka (b) West Bengal (c) Maharashtra (d) Uttar Pradesh

75) Name the Indian who has won silver medal in 2015 Korea Open Badminton Tournament?
(a) Ajay Jayaram (b) ChetanAnand (c) Aditya Joshi (d) Sanave Thomas

76) Name the Indian Cricketer who has received the honorary life membership by the Cricket Club of India?
(a) M S Dhoni (b) ViratKohli (c) AjinkyaRahane (d) Sachin Tendulkar

77) Which of the following country has launched the newly developed smaller version of carrier rocket Long March-6
which has the capable of carrying 20 micro satellites in to the space?
(a) China (b) Russia (c) Japan (d) US

78) Who is the author of Hollywood Wives?

(a) Viola Davis (b) Michael Cristofer (c) Jackie Collins (d) Kylie Travis

22
79) International Day of Peace was observed on 21st September 2015. What is its theme for the year 2015?
(a) Learn to Love-Love Makes Peace (b) Make Peace from your Home
(c) World Needs Peace and Prosperity (d) Partnerships for Peace-Dignity for all

80) Who is the first Black Women to win the award for leading actress in the 67th Annual Primetime Emmy Awards 2015?
(a) Vera Farmiga (b) Julianna Margulies (c) Viola Davis (d) LizzyCaplan

81) What is the latest Repo Rate after the Reserve Bank of India (RBI) revised it on 29th September 2015?
(a)7.25% (b)6.75% (c) 7.00% (d)6.50%

82) Which Olympic medalist and India boxer announced her retirement after the Rio Olympics?
(a)Aruna Mishra (b)PinkiJagra (c) KavitaGoyat (d) Mary Kom

83) e-Commerce major Snapdeal has attained minority stake in which grocery delivery service from India on 29th
September 2015?
(a) Pepper Tap (b)BigBasket (c)MyGrahak (d)AaramShop

84) Which two companies are injecting fresh capital into the largest mobile payment and commerce platform, Paytm?
(a)Alibaba and Ant Financial (b)Baidu and Ant Financial
(c)Alibaba and Edelweiss (d) None of the above

85) One of the oldest and longest serving NE legislators passed away on 26th September 2015. Name him.
(a) A. B. Lyngdoh (b) T.G. Lyngodh (c) H. S. Lyngdoh (d) None of the above

86) Former President APJ Abdul Kalamsgrand nephew has joined the BJP. Name him.
(a)RazaSalim (b) Ahmed Salim (c) Sheikh Salim (d) None of the above

87) World Heart Day has been celebrated on ____ September.

(a) 27th (b) 28th (c) 29th (d) 30th

88) Brazil has pledged to slash GHG emissions by what percent by 2030?
(a) 43 percent (b) 42 percent (c) 41 percent (d) 40 percent

89) Government of India has launched which following initiatives on National Tourism Day observed on 27th September
2015?
(a) Medical Wellness and Tourism Promotion Board
(b) Ashok Institute of Hospitality and Tourism Management CoE
(c) Tourism Vision Document
(d) All of the above

90) The Duels of the Himalayan Eagle: The first Indo-Pak Air War (1-22 September 1965) is authored by _______.
(a) Bharat Kumar (b) Surjit Singh (c) KJ Singh (d) JeevaRaghunath

91) Who will host XXII Commonwealth Games in 2022?

(a) London, UK (b) Pune, India (c) Sydney, Australia (d) Durban, South Africa

92) RBI declared which two Banks as Domestic Systemically Important Banks?
(a) ICICI Bank and HDFC Bank (b) PNB and Bank of Maharashtra
(c) SBI and ICICI Bank (d) SBI and Kotak Bank

93) Who was recently named as Australian of the Day by Commonwealth Bank?
(a) Tejinder Pal Singh (b) Rakesh Roy (c) Harvinder Singh (d) YogeshJha

23
94) Prime Minister NarendraModi released two commemorative coins of Rs 125 and Rs10 in the memory of which
former President?
(a) RamaswamyVenkataraman (b) SarvepalliRadhakrishnan
(c) Rajendra Prasad (d) Zakir Husain

95) Which state was recently awarded Skoch Order-of-Merit National award for implementing e-governance initiatives?
(a) UP (b) Punjab (c) Delhi (d) Haryana

96) Who became first tamilian to lead opposition in Sri Lankan parliament in 32 years?
(a) T Ramasamy (b) N Paramhansa (c) R Sampanthan (d) N Krishnan

97) Globalisation, Democratization and Distributive Justice authored by _______.

(a) ArjunSwarup (b) Mool Chand Sharma (c) AtanuDey (d) Nandan Desai

98) International Day of Charity observed on __________.

(a) 31 August (b) 2 September (c) 5 September (d) 8 September

99) Who was recently conferred with Honoured Guest of Texas award?
(a) MadhurBhandarkar (b) Chiranjeevi (c) Anurag Basu (d) Anupam Kher

100) Which state has recently banned manufacture, storage, sale ofgutka, pan masala in the state?
(a) Delhi (b) Punjab (c) Karnataka (d) Haryana

Answers given at the end of the magazine

24
 Retailing in India

Retailing in Indiaisoneofthepillarsofitseconomyandaccountsfor14to15percentofitsGDP.TheIndianretailmarket
is estimated to be US$ 450 billion and one of the top five retail markets in the world by economic value. India is one
of the fastest growing retail markets in the world, with 1.2 billion people.

As of 2013, Indias retailing industry was essentially owner manned small shops. In 2010, larger format convenience
storesandsupermarketsaccountedforabout4percentoftheindustry,andthesewerepresentonlyinlargeurban
centers. Indias retail and logistics industry employs about 40 million Indians (3.3% of Indian population).

Until 2011, Indian central government denied foreign direct investment (FDI) in multi-brand retail, forbidding foreign
groups from any ownership in supermarkets, convenience stores or any retail outlets. Even single-brand retail was
limited to 51% ownership and a bureaucratic process.

In November 2011, Indias central government announced retail reforms for both multi-brand stores and single-
brand stores. These market reforms paved the way for retail innovation and competition with multi-brand retailers
such as Walmart, Carrefour and Tesco, as well single brand majors such as IKEA, Nike, and Apple.

On 20 September 2012, the Government of India formally notified the FDI reforms for single and multi brand retail,
thereby making it effective under Indian law.

The Indian Retail Industry is generally divided into organized and unorganized retailing.

Organized retailing: Organized retailing refers to trading activities undertaken by licensed retailers, those who
have registered for sales tax, income tax etc. These include corporate backed hypermarkets and retail chains, and
also privately-owned large retail businesses. Hence, organized retail which now constitutes a small four percent of
total retail sector is growing at a much faster pace of 45-50% per annum and quadruples its share in total retail
trade to 16% by 2011-12.
Unorganized retailing: Unorganized retailing refers to the traditional forms of low-cost retailing, for example local
kirana shops, owned operated general stores, paan-beedi shops, convenience stores, hand cart & street vendors,
etc. The unorganized retail sector is growing at about 10% per annum with sales rising from USD 309 billion in 2006-
7 to USD 496 billion in 2011-12.

Growth after 2011

Before 2011, India had prevented innovation and organized competition in its consumer retail industry. Several
studies claim that the lack of infrastructure and competitive retail industry is a key cause of Indias persistently
high inflation. Furthermore, because of unorganized retail, in a nation where malnutrition remains a serious
problem, food waste is rife. Well over 30% of food staples and perishable goods produced in India spoils because
poor infrastructure and small retail outlets prevent hygienic storage and movement of the goods from the farmer to
the consumer. The Economist forecasts that Indian retail will nearly double in economic value, expanding by about
$400 billion by 2020. The projected increase alone is equivalent to the current retail market size of France.

It might be true that India has the largest number of shops per inhabitant. However we have detailed figures for
Belgium, the Netherlands and Luxemburg. In Belgium, the number of outlets is approximately 8 per 1,000 and in the
Netherlands it is 6. So the Indian number must be far higher.

As the contemporary retail sector in India is reflected in sprawling shopping centers, multiplex- malls and huge
complexes offer shopping, entertainment and food all under one roof, the concept of shopping has altered in terms
of format and consumer buying behavior, ushering in a revolution in shopping in India. This has also contributed
to large-scale investments in the real estate sector with major national and global players investing in developing

25
 the infrastructure and construction of the retailing business. The trends that are driving the growth of the retail
sector in India are
Low share of organized retailing
Falling real estate prices
Increase in disposable income and customer aspiration
Increase in expenditure for luxury items

Another credible factor in the prospects of the retail sector in India is the increase in the young working population.
In India, hefty pay packets, nuclear families in urban areas, along with increasing working-women population and
emerging opportunities in the services sector. These key factors have been the growth drivers of the organized retail
sector in India which now boast of retailing almost all the preferences of life - Apparel & Accessories, Appliances,
Electronics, Cosmetics and Toiletries, Home & Office Products, Travel and Leisure and many more. With this the
retail sector in India is witnessing rejuvenation as traditional markets make way for new formats such as
departmental stores, hypermarkets, supermarkets and specialty stores.

Retailing Format in India

Malls:
The largest form of organized retailing today. Located mainly in metro cities, in proximity to urban outskirts. Ranges
from 60,000 sq ft to 7,00,000 sq ft and above. They lend an ideal shopping experience with an amalgamation of
product, service and entertainment, all under a common roof. Examples include Shoppers Stop, Piramyd, and
Pantaloon.

Specialty Stores:
Chains such as the Bangalore based Kids Kemp, the Mumbai books retailer Crossword, RPGs Music World and the
Times Groups music chain Planet M, are focusing on specific market segments and have established themselves
strongly in their sectors.

Discount Stores:
As the name suggests, discount stores or factory outlets, offer discounts on the MRP through selling in bulk reaching
economies of scale or excess stock left over at the season. The product category can range from a variety of
perishable/ non-perishable goods.

Department Stores:
Large stores ranging from 20000-50000 sq. ft, catering to a variety of consumer needs. Further classified into
localized departments such as clothing, toys, home, groceries, etc. Departmental Stores are expected to take over
the apparel business from exclusive brand showrooms. Among these, the biggest success is K Rahejas Shoppers
Stop, which started in Mumbai and now has more than seven large stores (over 30,000 sq. ft) across India and even
has its own in store brand for clothes called Stop.

Hyper marts/Supermarkets:
Large self-service outlets, catering to varied shopper needs are termed as Supermarkets. These are located in or
near residential high streets. These stores today contribute to 30% of all food & grocery organized retail sales.
Super Markets can further be classified in to mini supermarkets typically 1,000 sq ft to 2,000 sq ft and large
supermarkets ranging from of 3,500 sq ft to 5,000 sq ft. having a strong focus on food & grocery and personal sales.

Convenience Stores:
These are relatively small stores 400-2,000 sq. feet located near residential areas. They stock a limited range of
high-turnover convenience products and are usually open for extended periods during the day, seven days a week.
Prices are slightly higher due to the convenience premium

MBOS:
Multi Brand outlets, also known as Category Killers, offer several brands across a single product category. These
usually do well in busy market places and Metros.

Recent Trends
Retailing in India is witnessing a huge revamping exercise as can be seen in the graph
India is rated the fifth most attractive emerging retail market: a potential goldmine.

26
 Estimated to be US$ 200 billion, of which organized retailing (i.e. modern trade) makes up 3 percent or US$ 6.4
billion
As per a report by KPMG the annual growth of department stores is estimated at 24%
Ranked second in a Global Retail Development Index of 30 developing countries drawn up by AT Kearney.
Multiple drivers leading to a consumption boom:
Favourable demographics
Growth in income
Increasing population of women
Raising aspirations: Value added goods sales
Food and apparel retailing key drivers of growth
Organized retailing in India has been largely an urban
Phenomenon with affluent classes and growing number of double-income households.
More successful in cities in the south and west of India. Reasons range from differences in consumer buying
behavior to cost of real estate and taxation laws.
Rural markets emerging as a huge opportunity for retailers reflected in the share of the rural market across most
categories of consumption
ITC is experimenting with retailing through its e-Choupal and Choupal Sagar rural hypermarkets.
HLL is using its Project Shakti initiative leveraging women self-help groups to explore the rural market.
Mahamaza is leveraging technology and network marketing concepts to act as an aggregator and serve the rural
markets.
IT is a tool that has been used by retailers ranging from Amazon.com to eBay to radically change buying behavior
across the globe.
Retailing is slowly making its presence felt.

Challenges & Opportunities

Retailing has seen such a transformation over the past decade that its very definition has undergone a sea change.
No longer can a manufacturer rely on sales to take place by ensuring mere availability of his product. Today,
retailing is about so much more than mere merchandising. Its about casting customers in a story, reflecting their
desires and aspirations, and forging long-lasting relationships. As the Indian consumer evolves they expects more
and more at each and every time when they steps into a store. Retail today has changed from selling a product or a
service to selling a hope, an aspiration and above all an experience that a consumer would like to repeat.

For manufacturers and service providers the emerging opportunities in urban markets seem to lie in capturing and
delivering better value to the customers through retail. For instance, in Chennai CavinKares LimeLite, Maricos
Kaya Skin Clinic and Apollo Hospitals Apollo Pharmacies are examples, to name a few, where manufacturers/
service providers combine their own manufactured products and services with those of others to generate value
hitherto unknown. The last mile connect seems to be increasingly lively and experiential. Also, manufacturers and
service providers face an exploding rural market yet only marginally tapped due to difficulties in rural retailing.
Only innovative concepts and models may survive the test of time and investments.

However, manufacturers and service providers will also increasingly face a host of specialist retailers, who are
characterized by use of modern management techniques, backed with seemingly unlimited financial resources.
Organized retail appears inevitable.

Retailing in India is currently estimated to be a US$ 200 billion industry, of which organized retailing makes up a
paltry 3 percent or US$ 6.4 billion. By 2010, organized retail is projected to reach US$ 23 billion. For retail industry
in India, things have never looked better and brighter. Challenges to the manufacturers and service providers would
abound when market power shifts to organized retail.

Pantaloon Retail (India) Limited

Pantaloon Retail (India) Limited, is a large Indian retailer, part of the Future Group, and operates in multiple retail
formats in both, value and lifestyle, segments of the Indian consumer market. Headquartered in Mumbai, the
company has over 1,000 stores across 71 cities in India and employs over 35,000 people, and as of 2010, it was the
countrys largest listed retailer by market capitalisation and revenue.

27
 The company separated its discount store business, which includes the Big Bazaar hypermarket and the Food
Bazaarsupermarketbusinesses,intoFutureValueRetailLtd.,itswhollyownedsubsidiary,sothatthecompanymay
be listed independently.

With a chain of 72 fashion stores across 35 cities and towns, Pantaloons is constantly extending its foot-prints into
the rest of modern India.

Pantaloons which was previously controlled by the Future Group has now been taken over by Aditya Birla Nuvo
Limited [ABNL]. ABNL is a part of the prestigious Aditya Birla Group, a $40 billion Indian multinational, operating
in 36 countries across the globe with over 133,000 employees.

The Aditya Birla Group ranks high in the League of Fortune 500 Corporations of the world with a strong mix of
talented and capable personnel comprising of 42 different nationalities, who are credited with anchoring the
organization and scripting one brilliant success story after another.

Backed by the giant conglomerates, ABNL and Future Group, both the entities will work in tandem to derive operational
synergies for back-end, supply chain and other crucial value drivers of the business.

Lines of Business
The company is present across several lines of business which have various formats (stores) Plywood, The Dollar
Store (JV)
Fashion Pantaloons, Central, aLL, Brand Factory, Blue Sky, Top 10, Fashion Station, Big Bazaar, Lee Cooper (JV)
General Merchandise Big Bazaar, Shoe Factory, Navras, Electronics Bazaar, Furniture Bazaar, KBS FAIR PRICE, Food
Rite
Electronics eZone, Electronic Bazzaar, Koryo , Sensei, STAPLES (JV)
Home Improvement Home Town, Home Town Express
Furniture Collection i, Furniture Bazaar, Home Bazaar
E-tailing (online shopping)
Books and music Depot
Leisure and entertainment Bowling Co., F123, TGIF (Thank God its Friday!)
Wellness Star & Sitara, Tulsi
Telecom and IT Gen M, M Bazaar, M-Port, ConvergeM, Future Axiom, T 24, One Mobile (in alliance with TATA
Teleservices)
Consumer durables Koryo, Sensei, IPAQ
Service E Care, H Care, Design & Service
Malls Central (Bangalore, Hyderabad, Pune, Mumbai,Kochi, Vadodara, Gurgaon, Indore, Ahmedabad, Thane,
Surat)
Investment and savings Insurance: ULIP, Pension, Endowment, etc.

28
 Assistant Administrative Officer
Job of an Assistant Administrative Officer (AAO) is regarded as a very responsible
and respected job in Indian service sector due to involvement of person holding
post of an AAO in preparation and scrutinizing the bills for the payment. An AAO is
also involved in various purchases and maintenance of financial, administrative
and personal services. Inquiries related to works and purchases are solicited in the
name of AAO and work orders are signed and placed under the signatures of an
Assistant Administrative Officer.

There are 3 kinds of Assistant Administrative Officers in LIC of India. They are Generalists, Chartered Accountants,
and Actuarial Qualified. The job profile is Managing the underwriting, accounts, policy services, office services and
EDP departments in large branch offices.

Career advancement opportunities are available for dynamic officers as Administrative Officers, Seni or
Administrative Officers, Chief Administrative Officer and Director, Administration etc. Life Insurance Corporation
recruits AAOs in the Basic pay of Rs. 17240 /- per month in the scale of 17240- 840(14) 29000 910(4) 32640
that is under consideration for the pay revision. Post also carries other admissible allowances as per rules. On
posting in a city which is classified as A class city, an AAO will receive approximately Rs. 33,418/- per month as
total emoluments at the minimum of the scale inclusive of admissible allowances such as House Rent Allowance &
City Compensatory Allowance. Benefits such as Contributory Pension, Gratuity, LTC, Medical Benefit, Group Savings
Linked Insurance (GSLI), Group Personal Accident Insurance, Group Insurance , Vehicle Loan (2-wheeler/4 wheeler)
are admissible as per existing rules of the Corporation.

After selection, candidates get a regular job and asked to serve anywhere in the country. Candidates have to clear
one year probation period that may be extended to two year depending on the performance during the probation.
Selecting candidates have to agree to serve the corporation for a minimum duration of 4 years including one or two
years probation period. A bond of Rs one lakh has to be furnished by the selected candidates as an guarantee.

An objective type test of 2 hour duration involving 160 questions of 400 marks is conducted online. It will have
questions testing candidates ability for numeric and reasoning, general awareness, knowledge of computers and
current affairs and English language will be tested through this online test. Wrong answers will have negative
marking and penalty for each wrong answer will be equal to 1/4th of mark assigned to the particular answer.
Minimum qualifying marks and minimum aggregate marks will be determined by the commission after the
examination. Qualifying candidates will be shortlisted for personal interview depending on the number of vacancies.
Candidates have to secure minimum passing marks in the interview also.

LIC AAO Model Paper

Reasoning Section :
1. A man moves 100m towards east, he turns to his right and moves 100m. Then he moves 50m tuming to his left and
again turning to his left and moves 50m. Finally he turns to his left and moves 150m. How far is he from the starting
point?
(1) 0 m (2) 50 m (3) 100 m (4) 150 m

2. In a certain code language TEACHER is written as VGCEJGT. How will CHILDREN be written in that code language?
(1) EJKNFTGP . (2) EJKNFGTO (3) EJKNEGTP (4) None of these

29
3. In a certain code language CALANDER is written as CLANAEDR. How will CIRCULAR be written in that code language?
(1) CRIUCALR (2) ICRCLUAR (3) CRIUCLRA (4) ICCRLURA

4. Which one set of letters when placed sequentially at the gaps in the given letter series shall complete it?
ab_c_a_aa_ac_ac_
(1) abcbca (2) acbcba (3) abbba (4) bcabab

5. In the following question a group of letters is given. Each letter bears certain mark (A, B. C, D .... ), Four combinations
of marks are then given. Select that combination which would form a meaningful word.
(A) M (B) E (C) I (D) N
(E) R (f ) A
(1) B, E, F, A, C, D (2) C, B, E. D, A, F (3) A, F, E, C, D, B (4) E, B, A, F, C, D

6. In a certain code language the number 13479 is written as AQFJL and 2568 is written as DMPN. How will
396824 be WRITTEN in that code language?
(1) QLPNDF (2) QLPNMJ (3) QLPNMF (4) QLPMNF

7. Pointing towards a man Rohit said, His son is uncle of my son. How is that man related to Rohit?
(1) Father (2) Grandfather (3) Uncle (4) Brother

8. A and B are married couple. X and Y are brothers to each other. X is D brother of A. How is Y related to B
(1) Brother (2) Cousin (3) Son-in-law (4) Brother-in-law

9. In this question, first two words have relationship between them. The third word and the word that should come at
the place of question mark also have a similar relationship.
Identify from among the choices given below which should come at the place of question mark.
Country: President: State: ?
(1) Member of Parliament (2) Member of Legislative Assembly
(3) Minister (4) Governor

10. (A) TRAVERSE (B) TREASURE (C) TRAPEZE (D) TREADLE (E) TRAVAIL The correct order in which these words would be
found in a dictionary are:
(1) E, A, B, C, D (2) C, E, A, D, B (3) A, B, E, D, C (4) A, E, B, D, C

Direction. (11-12) : In each of the following questions, four words have been given. Three of these are alike In some
manner and one is different. Identify the odd one.

11. (1) Feather (2) Hair (3) Grass (4) Wool

12. (1) Telescope (2) Telephone (3) Tape Recorder (4) Transistor

13. Find out the missing number: 6, 13, 25, 51, 101, ?
(1) 204 (2) 278 (3) 203 (4) 254

14. Identify the wrong number which does not fit into the series: 4, 8, 27, 80, 244, 728
(1) 8 (2) 27 (3) 80 (4) 244

15. Find out the missing letters in the following letter series: F E D A B L K J G H R Q ? ?
(1) M N (2) N P (3) Q P (4) P M

Numerical Ability :
16. The denominators of two fractions are respectively 5 and 7. The sum of these two fraction is 41/35. If the numerators
of these fraction are interchanged, then the sum becomes 43/45 . Find the fractions:
(1) 2/5 and 4/7 (2) 3/5 and 4/7 (3) 4/5 and 2/7 (4) 3/5 and 5/7

17. Three numbers are in the ratio 1 : 2 : 3 respectively and their HCF is 12. Find the numbers.
(1) 4, 18, 12 (2) 5, 12. 15 (3) 12, 24. 30 (4) 12. 24, 36

18. Two trains are about to collide. They are 65 miles apart. The train coming from north is running at 55 miles per hour and
the train coming from south is running at 80 miles per hour. How far they would be two minutes before the collision?
(1) 4 miles (2) 4.5 miles (3) 5 miles (4) Cannot be determined

30
19. What is the number two times of which is 99 more than the one half of that number?
(1) 74 (2) 64 (3) 66 (4) 88

20. If 25% of a number is subtracted from another number the second number becomes 5 / 6 th of it. What is the ratio
between the first number and the second number?
(1) 1 : 3 (2) 2: 3 (3) 3: 2 (4) Data inadequate

21. A man gains the selling price of 13 dozen of mangoes by selling 39 dozen of mangoes. Find the gain percent.
(1) 26% (2) 33% (3) 40% (4) 50%

22. The place value of 5 in 0.078543 is

(1) 5 / 100 (2) 5 / 1000 (3) 5 / 10000 (4) 5 / 10

23. 162 x 122/ 192 is equal to

(1) 384 (2) 96 (3) 192 (4) 209

24. 0.8 x 0.8 + 0.8 / 8 is equal to

(1) 0.74 (2) 1.44 (3) 0.65 (4) 0.6

64 81 7
25. x =
225 49 3
(1) 8 / 15 (2) 53 / 15 (3) 23 / 15 (4) 6 / 45

26. Find the HCF of 105, 70 and 210.

(1) 70 (2) 5 (3) 10 (4) 35

27. Find the LCM of 3 / 8, 9 / 16, 27 / 40 and 1 / 40

(1) 8 / 27 (2) 9 / 40 (3) 27 / 8 (4) 27 / 80

28. Find the smallest number which is completely divisible by 8, 9, 12, 15 and 18 and is a perfect square.
(1) 900 (2) 14400 (3) 6400 (4) 3600

29. If 120 is added to 60% of a number, then the number itself is obtained. Find the number.
(1) 360 (2) 300 (3) 320 (4) 240

30. A contractor envisages to construct a bridge in 40 days. He employed 100 men on work initially and 100 more men
were engaged after 35 days and the work was completed on time. If he had not engaged more men then in how many
days the work was to be completed ?
(1) 3 (2) 5 (3)6 (4) 9

31. A moneylender lends Rs. 4000 for 3 years to a rural man. The rate of simple interest on some part of money is 10%
and on the remaining amount it is 12%. He gets Rs. 5350 after three years. Find the amount lent on 12%.
(1) Rs. 2000 (2) Rs. 2250 (3) Rs. 2500 (4) Rs. 2750

32. A 2 metre path surrounds a square field. If the area of the path is 72 sq.m, then find the area of the field.
(1) 70 sq.m (2) 68 sq.m (3) 49 sq.m (4) 80 sq.m

33. A right angled triangle is inscribed in a circle or radius 10 cm and the side of triangle is diameter of the circle. If the
perimeter of the triangle is 48 cm. Find the other two sides of the triangle.
(1) 13 cm and 15 cm (2) 14 cm and 14 cm (3) 12 cm and 16 cm (4) 10 cm and 18 cm

34. m and n are two integers. If mn = 25 then what is the value of nm ?

(1) 4 (2) 10 (3) 25 (4) 32.

35. The decimal equivalent 10000 is:

(1) 0.0360 (2) 0.0036 (3) 0.00036 (4) 0.3606

36. 0.006 x 0.0009 =?

(1) 0.0000054 (2) 0.000054 (3) 0.0054000 (4) 0.0005400

31
37. Santosh invested a sum of Rs. 10,000 at 10% compound interest for 3 years. How much amount will he get after 3
years?
(1) Rs. 12,310 (2) Rs. 13,310 (3) Rs. 13,210 (4) Rs. 13,320

38, If a man sells an article for Rs. 1600 he incurs a loss equal to the profit if he sells that article for Rs. 2000. Find the
cost price of that article.
(1) Rs. 1800 (2) Rs. 1700 (3) Rs. 1900 . (4) Rs. 1550

39. What is the value of P in equation P x 13 = 525720?

(1) 44040 (2) 40404 (3) 40044 (4) 40440

40. A boat covers 40 km downstream in 4 hours and returns in 5 hours upstream. Find the speed of boat in still water.
(1) 1 kmph (2) 4 kmph (3) 9 kmph (4) 6 kmph

General Knowledge & Current Affairs :

41. Which of the following is referred to as Information Highway?
(1) Radar (2) Sonar (3) Internet (4) None of these

42. Which of the following devices connects computer with telephone?

(1) Internet (2) Modem (3) Intranet (4) All of the above

43. The planets revolve round the sun due to

(1) Frictional Force (2) Centrifugal Force (3) Inertial Force (4) Centripetal Force

44. Who among the following is considered as father of Indian Ballistic Missile Programme?
(1) APJ Abdul Kalam (2) Dr. HJ Bhabha (3) Vikram Sarabhai (4) Dr. Kasturirangan

45. What is the source of electrical energy in artificial satellites ?

(1) Solar heat (2) Solar radiation (3) Solar cell (4) None of these

46 . The Life Insurance Corporation of India (LIC) has its offices in which of the following countries ?
(1) Fiji (2) Mauritius (3) United Kingdom (4) All of the above

47. Who among the following has written the book titled Dreams from My Father?
(1) Steve Harvey (2) YV Reddy (3) Barack Obama (4) None of these

48. Which of the following is not a plan of the LIC?

(1) Jeevan Shree (2) Jeevan Bodh (3) Jeevan Saral (4) Jeevan Anurag

49. Which of the following is an Ideal LIC Policy for the persons having irregular but good periodical income?
(1) Bima Nivesh 2005 (2) Wealth Plus (3) Jeevan Tarang (4) Jeevan Surabhi

50. Who among the following was the first President of the Council of Scientific and Industrial Research?
(1) Lal Bahadur Shastri (2) Maulana Azad (3) Dr Radha Krishnan (4) Jawahar Lal Nehru

51. Gayatri Mantra is dedicated to

(1) Indra (2) Mitra (3) Savitri (4) Varun

52. The capital of Maitrak rulers was:

(1) Vallabhi (2) Besnagar (3) Ujjain (4) Gandhar

53. What is the full from of MICR the technique used for clearance of cheques by banks?
(1) Magnetic Intelligence Character Recognition (2) Magnetic Information Cable Recognition
(3) Magnet Insurance Cases Recognition (4) Magnetic Ink Character Recognition

54. If the Panchayat is dissolved, the election must be held within

(1) one month (2) 4 months (3) 6 months (4) 1 one year

55. Who among the following is the founder member of World Economic Forum?
(1) Klass Shwab (2) Robert Joelick (3) Paul Krugan (4) Kenneth Gaibraith

32
56. Nam the Chief Justice of the Supreme Court who gave the concept of Public Interest Litigation.
(1) PN Bhagwat (2) KS Hegde (3) Prasad Rajendran (4) AN Ray

57. The President of India who was associated with the Trade Union Movement
(1) N Sanjeeva Reddy (2) Zakir Hussain (3) KR Narayan (4) VV Giri

58. The Central Government received maximum revenue during 2008-09 from which of the following taxes?
(1) Income Tax (2) Corporation tax (3) Custom Duty (4) Excise Tax

59. Who among the following won the mens singles title at the French Open tennis 2009 ?
(1) Robin Soderling (2) Andy Murray (3) Roger Federer (4) Andy Roddick

60. The concept of carbon credit was evolved from

. (1) Earth Summit, Rio de Janeiro (2) Montreal Protocol
(3) Kyoto Protocol (4) Shanghai Protocol

61. Who among the following won the Pantaloons Femina Miss India World 2009 title?
(1) Pooja Chopra (2) Ekta Chaudhary (3) Shriya Kishore (4) Nupur Sinha

62. Which of the following has maximum energy?

(1) Blue light (2) Yellow light (3) Red light (4) Green light

63. In which of the following Vedic hymns there is reference of the origin of four Varnas ?
(1) Nasadiya (2) Purush (3) Almyani (4) Ushash

64. Shahjahan annexed ..... to the Mughal Empire

(1) Ahmadnagar (2) Golcunda (3) Bijapur (4) Khanciesh

65. Who among the following first deciphered the Brahma script?
(1) William Jones (2) James Princep (3) John Marshal (4) Macaulay

ENGLISH SECTION :
Directions (66-70) : In each of e followingquestlons, find out which It of the sentence has an error, If there is no
mistake, the answer is No Error

66. My father is (1)/ in bad mood (2)/today. (3)/ No error (4).

67. The accelerating pace of life in our metropolitan city (1) / has had the tremendous effect (2)/ on culture and life style
of the people (3)/No error (4)

68. The school is ( 1)/ with in hundred yards (2)/ from my house. (3)/ No error (4).

69. Both the civillans (1)/ and army men (2)/ joined the first world war. (3)/ No error (4).

70. The famous Dr. Chandra (1)/ is only, dentist (2)/ in our village. (3)/ No error (4).

Directions (71-75) : In each of the following questions, out of the given alternatives, choose the one which best
expresses the meaning of the given word.

71. GRUESOME
(1) Hateful (2) Painful (3) Tragic (4) frightful

72. SECURE
(1) Secret (2) comfortable (3) Safe (4) Independent

73. TYRANNY
(1) Misrule (2) power (3) Madness (4) cruelty

74. OBLIGATORY
(1) Useful (2) required (3) Stubborn (4) agreeable

33
75. CONNOISSEUR
(1) Ignorant (2) interpreter (3) Delinquent (4) Lover of art.

Directions (76-80): In each of the following questions, choose the word opposite in meaning to the given word.

76. START
(1) Close (2) shut (3) End (4) finish

77. UNIVERSAL
(1) Narrow (2) regional (3) Miniature (4) subsidiary

78. ALIVE
(1) Passive (2) dead (3) Asleep (4) drowsy

79. ANCESTORS
(1) Supporters (2) disciples (3) Followers (4) Descendants

80. SYNTHETIC
(1) Cosmetic (2) Plastic (3) Affable (4) Natural

Directions (81-85) : In each of the following questions, a sentence is given with a blank, to be filled in with an
appropriate word. Four alternatives are suggested for each question. Choose the correct alternative.

81. If universal language really existed people like tourists and businessmen find it easier to .......... with foreigners.
(1) transact (2) communicate (3) deal (4) exchange

82. On account of his humiliating defeat in the recent elections. he appeared unusually called on him the other day .......
when I
(1) oppressed (2) repressed (3) depressed (4) suppressed

83. You need ........ shoes for walking in the hills.

(1) good (2) comfortable (3) satisfactory (4) sturdy

84. Amongst the two brothers; Sameer being worthier often ....... the younger Deepak.
(1) dominates (2) eclipses (3) subdues (4) overshadows

85. It was difficult to see through the ......... of the head lights of the cars.
(1) shine (2) glare (3) dazzle (4) brilliance

Directions (86-90) : In each of the following questions out of the four alternative, choose the one which can be
substituted for the given words/sentences.

86. To cause troops etc. to spread out in readiness for battle

(1) Align (2) Collocate (3) Deploy (4) Disperse

87. One who forcibly seizes control of a bus or an aircraft

(1) Pirate (2) Swindler (3) Hijacker (4) Pilferer

88. The act of killing ones wife

(1) Genocide (2) Uxoricide (3) Canicide (4) Avicide

89. Music sung or played at night below a persons window

(1) Serenade (2) Sonnet (3) Lyric (4) Primo

90. A government by the nobles

(1) Democracy (2) Bureaucracy (3) Autocracy (4) Aristocracy

Answers given at the end of the magazine

34
 Career Prospects for PGDM/MBA with Finance Specialization

Dr. PR Ramakrishnan
Associate Professor Finance,
Rajalakshmi School of Business Chennai

Post-Graduation in Business Administration from a reputed Business School or an MBA from a recognized university
is the most sought after course for students aspiring for a corporate career. Finance and Marketing are the two most
popular branches. Career option with a specialization in Finance could lead to a key position in banks and
financial institutions The overall exposure and Knowledge on Financial Planning, Accounting Standards, IFRS
Budgeting, Taxation structure, various cost accounting applications like break even techniques, marginal costing
decision making analysis gives an edge for Finance specialization over the other streams while considering a
choice for the post of CEO or CFO. Engineering graduates with a Post Graduation in Finance program is sought after
by the Manufacturing sector for higher level positions.

Focus of study with Finance Specialization

Managerial Accounting, Financial Management, Corporate Accounting, Economics, Investments, Securities,
Costing,CorporateGovernance,Taxation,etc.

Skills to be sharpened
Good with numbers, attention to details, good communication skill, reasoning ability, problem solving skills, make
and implement decisions.

Career Options for Finance Specialization

The most important role in any business is to plan strategies to raise capital from different sources for effective
funding of projects, to assess risks and returns involved in projects,. Students with a MBA in Finance can work as
a finance manager, an analyst or a finance head. It is the responsibility of the finance manager to make sure that
organization acts on the basis of preset budget. Career options with an MBA in Finance include investment banker,
Chief Executive Officer, Chief Financial Officer, Financial Manager and Financial Analyst. Finance department of
any organization is always more powerful as no decision can be taken without consulting the Finance Manager.
They create value for the individuals money in equity and are responsible for the wealth of various stake holders
including global investors. Career options may be classified on the basis of Industrial sectors like Merchant
Banking, Capital Markets, Insurance Sector, Banking Sector, Non banking finance sector etc.

MERCHANT BANKING SECTOR

Fund Managers
Fund managers for Mutual Funds and Institutions are mostly selected from finance specialization and they need to
interact with the investors and promoters. They have to decide on investing the funds in an appropriate portfolio
with minimum risk and maximum return. They need to have thorough knowledge about each industry, Government
policies, competitors from India and abroad, Export potentials, FIIS and FDI guidelines and International Challenges
and market movements around the globe.

Financial Analyst
The person who does financial analysis for external or internal clients is called financial analyst. Financial analysts
help people decide how to invest their money. There are various other terms such as securities analyst, research
analyst, equity analyst or investment analyst which are used for financial analyst. A finance analyst performs
duties such as writing reports as a part of brokerage which may contain fundamental analysis principles. Though

35
 slightly different, financial analysts job is like one of financial planners. The essential part is that financial
analysts possess higher level of expertise over finance management and financial analysis. Offering investment
suggestions to clients, evaluation of the economic outlook of different sectors and industries for organizations are
some other duties bestowed on financial analysts.

Investment Bankers
As an investment banker, executives focus on advising clients about managing bonds and executing investment
strategies, Mergers and Acquisitions of other companies to create synergy for strategic expansion. Initial public
offers (IPO), listing of new issues along with buying and selling company stock to the public. Investment bankers are
Finance specialist professionals or MBA with finance major shall be considered for this top echelon position in
corporate administration.

Chief Financial Officer

As a Chief Financial Officer, the executives are placed in charge of financial reporting. CFO is the professional who
is responsible for directing the financial policies and goals of the organization. Other duties include looking after
the investment of the firms funds and putting in place strategies to raise capital.

Financial Manager
There are several career titles for this role, including controller, finance officer, treasurer and cash manager. The
duties vary a little, mainly to prepare and review reports and financial statements, implement strategies, supervise
other employees and oversee investments. They need to be knowledgeable about the industry in which they work for
financial decision-making. For example, a healthcare financial manager must be familiar with healthcare financial
issues. Excellent scope in pharma companies as many of them are looking for expansion through Mergers and
Acquisitions.

SOME SECTORS IN THE FINANCIAL DOMAIN

Insurance Sector
Many foreign Insurance companies have ventured into Indian insurance market due to our population and demand
in this sector. The main skills required are the guidelines of IRDA regulatory frame work, premium calculations,
mathematical models for claims and the investment option apart from life of risk protection. People look forward
to insurance as a tax benefit alternative than merely expecting the risk coverage. Multinational companies are even
recruiting retired finance professionals as consultants and advisors.

Banking Sectors
Apart from Nationalized banks, India has launched New generation Private Sector Banking with sophisticated
technology for payment options and mobile banking with SWIFT and NEFT are in search of young finance professionals
to cater to the huge payment gate way. Software applications like Finacle from Infosys, oracle from Oracle corporation,
Tally solutions software generates lot of employment for Finance professionals. Axis Bank, YES bank, HDFC bank are
some of the private sector banks.

Non Banking Finance companies

There are enormous opportunities for Finance professionals in the huge Non Banking Finance Companies, transport
finance area, Health and pharma industries where there is global expansion. It is mandatory for all the Nonbanking
finance companies to adhere to the RBI guidelines, corporate governance compliances which is considered as vital
in the new companies Act introduced in 2013. Finance professionals have lot of opportunities in this ever growing
and ever green industry. NBFCs are also eligible for protection of bad loans on par with banks.

Conclusion
In a nutshell the finance professionals around the globe enjoys lot of social status, the growing volume of business
around the globe, e-Banking, e-Commerce business generates enormous demand for finance professionals who are
competent to comprehend the intricacies of technology based payment system and accounting regulations for
generating profit for any business. There may be a recession for products manufactured by companies but Finance
profession is insulated and there is no recession for these professionals.

About the Author

With a rich experience of over 35 years of teaching, research and administration, Dr. P.R. Ramakrishnan has his
teaching and research interests in Financial Accounting, Management Accounting, Mergers and Acquisitions, Risk

36
 Management, and Security Analysis and Portfolio Management. He has taught at many leading Business schools in
South India. An approved Research Supervisor of the University of Madras, he has served as Panel Member Staff
Selection Commission - UPSC southern region, Panel member for teachers recruitment, and a subject matter expert
for Tamil Nadu Public Service Commission, Dr. Ramakrishnan has also served Vivekananda College as the Principal
and HoD Commerce. Dr. Ramakrishnan has presented papers at various national and international conferences and
has his research papers published in refereed national and international journals.

Feature : Shailesh J. Mehta School of Management, IIT Bombay

IIT Bombay established its management school in 1995 with the objective
of transforming professionals with technological background to
Renaissance Leaders of tomorrow. Its mission statement states To
develop professionals who manage the business activities in a dynamic
environment in which technology is a key determinant of organizational
success. To play a vital role in those areas of industry, government and
public activity where technology is a key strategic component.

The School Of Management through its flagship Master of Management

(M.Mgmt) programme seeks to develop managers for an integrated
understanding of all business functions. The rigorous curriculum of the Master of Management programme has a
judicious blend of courses that provide an in-depth understanding of the operational and strategic aspects of
management. One unique feature of the program is that apart from the regular courses on Finance, Accounting,
Operations and HR, SJM SOM prepares for technology management with core courses like Technology Policy, R&D
Management and Managing technology transfer. Also, innovative courses like Mission, Vision and Leadership
provide opportunity for the student to work under the mentorship of Indian Business leaders and to hone their
leadership skills. In the four terms following the summer project, the program prepares the student to pursue the
management discipline of his choice by offering a wide choice of electives in addition to few core courses. Students
can decide to choose electives from any or all the disciplines.

The special feature of the M. Mgt. course is the compulsory collaborative project done in the final year. Working
under the faculty guidance, the students have the opportunity to work on project with both the academic and
practical inputs.

Admission Criterion for the 2013-15 batch was

1. Criteria for Preparing the Merit List (Max. marks 100)

The criteria for preparing the Merit List will be as follows
CAT Score: 25 %Interview (WAT & PI): 45 %Profile: 30%

1.1 CATScore:SJMSOM IIT Bombay will use CAT2012 score

1.2 PersonalAppearance(45%):SJMSOM IIT Bombay will consider the following weights
1.2.1WritingSkills(WAT):10%1.2.2PersonalInterview(PI):35%1.2.2PersonalInterview(35%)
SJMSOM IIT Bombay will consider the following weightsFunctional Knowledge: 15%General & Social Awareness:
10%Communication Skills: 10%
1.3Profile(30%):The following weights will be considered for profiling
1.3.1AcademicProfile:15%1.3.2Workexperience:8%1.3.3Extra-curricularActivities:4%1.3.4Diversity:3%
1.3.1ForAcademicProfile(15%),followingwillbetheweights
10th Standard: 3%12th Standard: 4%Under Graduation: 8%

For the class of 2013 the highest salary offered was Rs 22 lakhs and the average salary offered was 11.8 lakhs. In
all, 68 companies participated in the placement process. Companies from diverse sectors like BFSI, Consulting,
Consumer Goods, Pharmaceuticals, E-commerce, Media , Manufacturing etc. visited the college during the final
placement process.

37
 Feature : Mudra Institute of Communications, Ahmedabad

MICA was set up in the year 1991, by the Mudra Group at Ahmedabad. Presently, it is one
of the most dynamic and academically engaging communication management school in
the country. The mission statement of MICA says- To develop innovative professionals in
the practice, development and management of communications to serve the needs of
industry and society through education, research and advocacy.

MICA offers different courses in communication. It offers three AICTE approved programs:
1) Two year Post Graduate Diploma in Management Communication (PGDM-C)
2) Two year Executive Post Graduate Diploma in Management Communication (Ex-PGDM-C)
3) Three Year Fellowship Programme in Management Communication(FPM-C)

In PGDM C, the total intake is 180 students while for the Ex- PGDM-C, the total student intake is 60. For the
Fellowship Programme, the intake is 10. The course fee for the PGDM-C and Ex-PGDM-C are RS 382500 and Rs
500000 per years respectively. MICA also has various international associations which help the students in the
various student exchange programs and also on joint research.

Admission Process:
Admission to the PGDM(C) programme requires a Bachelors degree (in keeping with the 10 + 2 + 3 system) or an
equivalent qualification in any discipline recognised by the Association of Indian Universities (AIU). Candidates
appearing for final examinations towards a Bachelors degree (or equivalent) are also eligible to apply. Candidates
who demonstrate aptitude for expressing, assessing, or conceiving ideas that move people to action and achieve
business results tend to stand a better chance of being shortlisted.

Candidates should apply to MICA with scores of either CAT2013 / XAT2013 /XAT2014 / MAT2013 (Feb/May/ Sept/
Dec) / CMAT2013 (Sept) / ATMA2013 (Feb/May/July) GMAT (2010 onwards)
The selection process for the PGDM (C) involves two steps (Batch 2014-16):

Stage-I MICA Admissions Test (MICAT)

All candidates who apply to MICA withCAT2013 / XAT2013 / XAT2014 / MAT2013 (Feb/May/ Sept/Dec) / CMAT2013
(Sept) / ATMA2013 (Feb/May/July) GMAT (2010 onwards) irrespective of their score, will be called for MICAT,
subject to their application form being complete and accepted by MICA. MICAT is designed to assess analytical
ability, verbal ability, logical reasoning, divergent thinking, written communication skills and general awareness
about the communications industry.

MICAT will be held in February / March 2014 at the following centres:

Ahmedabad, Bangalore, Bhopal, Chennai, Delhi, Guwahati, Jaipur, Jammu, Hyderabad, Kolkata, Lucknow, and Mumbai.

Stage II Group Exercise (GE) and Personal Interview (PI)

Candidates will be shortlisted for Group Exercise and Personal Interview to MICA campus, Ahmedabad based on
their performance in MICAT.

Placement:
MICA has achieved 100% placement in the last few years with various top companies recruiting the students of this
college.The placement figures given in the website are,

2012
Maximum salary offered per annum (in Rs. Lakhs) - 19.50
Average salary offered per annum (in Rs. lakhs) - 8.50

2013
Maximum salary offered per annum (in Rs. Lakhs) - 19.60
Average salary offered per annum (in Rs. lakhs) - 9.20

38
39
 GD and Interview Experience

Institute : IMT, Ghaziabad

Interview Place: Kolkata Time: 7th Feb,2013,12:30 PM

GD (Case Study based) : 5 mins thinking, 10 mins discussion, 7 mins writing down the points in any format (may be bullets
or summary as you wish)

Topic: You share your workplace with someone who does not let you to work on computer.He does not even respond to
yourasking.Youcannotevencomplaintothehighermanagementashisjobmaybejeopardized.

I started the topic:

Points : It is a classic case of Time prioritization and understanding the urgency and the criticality of the situation.
Lucky me that people started discussing about the urgency and the critical and the time prioritizing points.
Somepeoplecameupwiththeideaofbuyingnewworkstationorlaptop.Icutthemshortbringinginthepointof
cost-effectiveness. Some people told of threatening the other person.I again cut them short reminding them of
thecultureandethicsinanorganization.

Moreover the points were

: Time Prioritization(My Point)
: Time Slot division approach(My Point)
: Dynamism in time slot division(One guy added)
: Criticality(My point)
: Urgency(my Point)

In 10 mins I spoke almost 2-4 mins in total with intervention every 1-2 mins after. Entered the GD 7-8 times.

Interview:
Two panel members(P1-a middle-aged person-who looks very serious,P2-an old professor who looks jolly)

P1: So tell me how to remove headache by Yoga(I have given my hobby as Yoga)
Me: Take the classic example of Baba Ramdev Anulam Bilam....explained them......they asked me how to do it....I showed
them.....Then I told about the good effects of breathing out more and breathing in less will help in detoxification of
the lungs....blood circulation increase and thus headache will decrease.....but also added that it needs practice and
dedication and not a single day job.

P1: Asked me about WBUT and about scoring process...whether good scores come or not.
Me: Depends upon college.....WBUT exam-70 where you have to get 30 pass marks and internal 30 where you have to get
18 marks min. I told them our college follows a stricter rule.

P2: So you will be lagging that peers from others college.

Me: No we can give exams honestly and score by working hard......so we can learn and do more so we have the extra edge.

P1: Tell me about your work in Ericsson.

Me: Blah....blah.......

P1: Telecom sector in India.....

Me: Blah..........gyan.....gyan.....blah

P1: Why IMT?

Me: Top Rankings in your website, Good international collaborations, Diversified peer group etc.

P1: Which other calls.......

Me: SP JAIN,XL

40
P1: XL OR IMT
Me: IMT

P2: Please be honest

Me: I still stuck to my points.....explained them about my friends in IMT telling me how marketing is best in compared to
the calls I have......Also gave gyan of how I am interested in marketing and how workplace influenc ed
me........gyan.......lots and loads........

P2: Do you not think you have too much exp of 2yrs 11 months.....how will you perform....if you do not get a good job.
Me: I have believe in myself.I have scored 96 percentile in CAT and hope to get within top 100 and I have seen IMT website
that top 100 get the best jobs.

P2: If that time recession hits.

Me: I have believe in myself.....with MBA knowledge and degree and previous exp.....I will definitely do something......

P2: I am happy you have believe in yourself.....Best of luck for your future.....(Dont know this was sarcastic or really)

B-School Ranking for Academic Session 2016-2017

There is no better time to do an MBA than now!

With the economy poised to grow at more than 6% in the next five years and a strong and stable govt. at the centre,
the likelihood of a bumper placement for MBAs for the next few years is very much on the cards. Add to this the fact
that the last FIVE years have been years of sluggish growth for the MBAs, the pent up demand is going to shoot
through the roof! No wonder, CAT2015 registrations at 2.19 lacs is about 15% higher than last year.

VistaMind continues the research on the B Schools and ranks them on various parameters which helps students to
decide the best B School for themselves. With a total of 19 IIMs (including the 6 ultra new ones) and multitude of
programs that the B Schools dish out, it is imperative to have a clear view on what each B School and each program is
likely to deliver for the unsuspecting student.

Like every year, we continue to grade the institutes using the below given parameters:
Placements
Return on Investment
Quality of Faculty
Location of Institute
Quality of Students
Infrastructure

These rankings are for full time 2 year management programs and we have not considered institutes/programs
which are of 12 or 18 months and come under Executive programs category for which work experience is mandatory.

While placement should not be the sole criterion for selecting any institute, we have found that placement figures
(provided they are authentic) are the best yardstick to measure the quality of any institute. This is for the simple
reason that prospective companies are provided with all the information about the college, students and its
resources and the companies do a grading/ranking on the basis of this information, which is normally not provided
to media and institutes like us despite repeated requests. Hence, placement figures are a direct indication of the
quality of an institute based on all the factors. We have covered these parameters in detail in the last issue of
VistaCareer and you can refer to the same for more information.

One broad trend that is very visible is that demand for management courses is not price inelastic and students have
become price conscious. With the economy not in any great shape for the last few years, students have shown clear
preference for value for money institutes and this has emerged as a key criterion. This has led to better students
joining these institutes and eventually, as the institute is as good as its students are, the institutes have also moved
up in their rankings. This is clearly evident in cases of FMS, JBIMS, MFC, MIB & MHROD, FMS BHU programs of DU
and many such institutes.

41
 Please note that the institutes have been graded and NOT ranked. All institutes in the same grade are similar in
terms of quality of education and placements and have been listed in alphabetical order. Students may choose
institutes within the same category based on fee levels, preference for location, specializations offered and other
non-critical parameters.

Also we found it difficult to put a fixed number of institutes in each category and hence based on their similarity, we
have divided them into groups with the institutes in each group being very similar in terms of quality, placements
and ease of admission.

Note:
1. All the institutes under each category have been listed in alphabetical order.
2. Unless otherwise stated, the flagship program of the institute has been considered for grading. The location of
the institute is also clearly mentioned. Other programs & locations may not be eligible for the same grading.

National Rankings
Grades No. of Inst Remarks
Ivy League 10 World class, Ivy league, 100% placements, average salary of 13-19 lacs
A++ 18 Good quality, 100% placements, average salary of 10-15lacs
A+ 17 Good quality, near 100% placements, average salary of 8-12lacs
A 13 Consistent Quality, Good placements, average salary of 7- 10lacs
B++ 16 Consistent Quality, Good placements, average salary of 5-8 lacs
Total 74

Regional Rankings
Delhi & North
B+ 7 Popular at local level, local placements, average salary of 4-7 lacs

Bangalore & South

B+ 14 Popular at local level, local placements, average salary of 4-7lacs

Mumbai & West

B+ 12 Popular at local level, local placements, average salary of 4-7 lacs

Kolkata & East

B+ 6 Popular at local level, local placements, average salary of 4-7lacs

Total 39
GRAND TOTAL 113

Ivy League - Top 10 Grade

These are the best MBA institutes of the country!They offer world class education and it will be a dream come true
to study at any of these institutions. You will need to have 96+ %ile and consistent good academic record to have a
realistic chance of getting into any of these institutes. Of course, they offer 100% placements with the best consulting,
I-Banks, FMCGs, etc making a beeline to recruit from these institutes and many going back empty handed. Whether
the economy is booming or depressed, you can expect an average salary of 13+lacs from any of these institutes and
a significant number of students would get foreign placements with sky high salaries in dollars, pounds and euros.

While the fee at most of these institutes is on the other side of 10 lacs, FMS and JBIMS stand out because of their ROI.
While your MBA at FMS would cost you just Rs. 21000/- and the average salary for the 2014passing out batch was
Rs. 16. 18lacs, giving a whopping 77x RoI, JBIMS would cost around 2 lacs and average placement for the 2014
passing out batch was 16.18lacs, giving a phenomenal ROI of 7.6x. Incidentally, both FMS and JBIMS have reported
an identical figure for the Average Salary figure in 2014! But then, they might prove to be tougher nuts to crack that
the IIMs and rightly so.

Admission for all these institutes except for JBIMS and XLRI is through CAT. For JBIMS, you will have to write Mah-CET
and XAT for XLRI.

42
 Faculty of Management Studies (FMS), New Delhi
Indian Institute of Management, Ahmedabad (IIM-A)
Indian Institute of Management, Bangalore (IIM-B)
Indian Institute of Management, Calcutta (IIM-C)
Indian Institute of Management, Indore (IIM-I)
Indian Institute of Management, Kozhikode (IIM-K)
Indian Institute of Management, Lucknow (IIM-L)
Jamnalal Bajaj Institute of Management Studies(JBIMS), Mumbai
S. P. Jain Institute of Management & Research (SPJIMR), Mumbai
Xavier Labour Relations Institute (XLRI), Jamshedpur

A++ Grade
These are the second best set of institutes of the country. They offer top class education and it will be a dream come
true to study at any of these institutions. You will need to have 94+ %ile and consistent good academic record to
have a realistic chance of getting into any of these institutes. They offer 100% placements with the best MNCs and
domestic companies visiting them. You can expect an average salary of 10-15lacs fromany of these institutes and
good numberof students get foreign placements. Some of the new IIMs are yet to prove themselves and make a mark,
however given their strong lineage and the brand name, we felt that it is best these second generation IIMs an at best
be placed one grade lower than their worthy predecessors.

TISS is an institute focusing on social sciences and offering masters programs in various disciplines. Its course, M.
A. in Human Recourse Management and Labour Studies, which has a strong social science base and a pedagogy
grounded in field reality. It is offered by the School of Management andLabour Studies is designed to develop
students into professionally competent and socially sensitive management graduates, fully equipped to take on the
challenges of the corporate world. The TISS HRM & LR occupy positions of leadership across a wide spectrum of
industries and sectors including IT/ITeS, Banking and Finance, Manufacturing, Retail and Management Consultancy.

Admission for all the IIMs and IITs, MDI and NITIE is through CAT. IIFT and NMIMS conduct their own exam. TISS has
its own online exam called TISS-NET which is normally conducted in December.

Please note that the eligibility criteria for applying to IITs is a bachelors degree in engineering.

Faculty of Management Studies (FMS), New Delhi (MBA in Management of Services)

Indian Institute of Management, Ahmedabad (PGP-ABM)
Indian Institute of Management, Indore (Mumbai Campus)
Indian Institute of Management, Kashipur
Indian Institute of Management, Lucknow (PGP-ABM)
Indian Institute of Management, Raipur
Indian Institute of Management, Ranchi
Indian Institute of Management, Rohtak
Indian Institute of Management, Shillong (IIM-S)
Indian Institute of Management, Trichy
Indian Institute of Management, Udaipur
Indian Institute of Foreign Trade (IIFT), New Delhi
Shailesh J. Mehta School of Management, Indian Institute of Technology, Bombay (IIT-B)
Department of Management Studies, Indian Institute of Technology, New Delhi (IIT-D)
Management Development Institute (MDI), Gurgaon
NarseeMonjee Institute of Management Studies (NMIMS), Mumbai
National Institute of Industrial Engineering (NITIE), Mumbai
Tata Institute of Social Sciences (TISS), Mumbai

A+ Grade
These are within Top 45 institutes of the country. They offer good quality education and near 100% placements. You
will need to have 90+ %ile and consistent good academic record to have a realistic chance of getting into any of
these institutes. They offer nearly 100% placementsand very good MNCs and domestic companies visitthem. DFS-
MFC with its low fee of under 30k and average placementsof Rs 9.2 lacsp.a., offers great value for money.

43
 You can expect an average salary of 8-12lacs from any of these institutes and a few students get foreign placements
as well.

MICA, DFS, IIM Ranchi (PGP-HRM) and MDI Gurgaon (PGP-HRM) are the sectoral institutes in this
category.MICAspecializing in communications management.It is an innovative and creative school addressing the
needs of an ever-changing marketing and communicationsenvironment.Its flagship program is PGDM-C or Post-
graduate Program Diploma in Management (Communications).DFSoffers a program called Master of Finance &
Control (MFC)focusing on Finance while IIM Ranchi (PGP-HRM) and MDI Gurgaon (PGP-HRM) are Human Resource
Management courses.
The written exam of MICAis divided into two stages:
Stage I: Students who have appeared for any of the following exams CAT, XAT, GMAT, ATMA, CMAT or MAT. Candidates
will need to just appear for any of these exams as per AICTE norms and their performance in any of these exams will
have no bearing on his shortlisting for Stage II or GE/PI round.
Stage II: Students will need to appear for MICAT. Candidates performance in MICAT 2014 will be the only shortlisting
criteria for the GE/PI stage.

Admission for IIMs, IITs, IMT, IMI, MICA, DFSand XIM-B is through CAT. For SIBM and SCMHRD, you will need to take
SNAP, the combined exam for all Symbiosis post graduate courses and for XIM-B, you can apply through XAT as well.

Department of Financial Studies (DFS), University of Delhi (MFC)

Indian Institute of Foreign Trade (IIFT), Kolkata Campus
Indian Institute of Managements (6 Ultra New IIMs at Nagpur, Gaya, Vishakhapatnam, Amritsar, Sambalpur
and Sirmaur)
Indian Institute of Management, Ranchi (PGP-HRM)
Vinod Gupta School of Management, Indian Institute of Technology, Kharagpur (IIT-KGP)
Institute of Management Technology (IMT), Ghaziabad
International Management Institute (IMI), New Delhi
Management Development Institute (MDI), Gurgaon (PGP-HRM)
Mudra Institute of Communication, Ahmedabad (MICA)
Symbiosis Centre for Management and Human Resource Development, (SCMHRD) Pune
Symbiosis Institute of Business Management (SIBM), Pune
Xavier Institute of Management, Bhubaneswar (XIM-B)

A Grade
These are institutes which have delivered consistent quality over the last decade or so and have found place in the
Top 60 institutes of the country. They offer good placements with average salary in the range of 7 10lacs. You will
need to have at least 80+ %ile and consistent good academic record to have a realistic chance of getting into any of
these institutes.

Master of International Business (MIB)and Master of Human Resource and Organizational Development (MHROD)
are sectoral institutes in this category focusing on International Business and Human Resource Management
respectively. VGSoM IIT Kharagpur (MHRM) also offers specialization in Human Resource Management. MIB and
MHROD programs with their fee of less than 30k and average placements well over Rs 7.5 lacs p.a. are excellent
value for money.

Bharathidasan Institute of Management (BIM), Trichy

Department of Commerce, Delhi School of Economics, University of Delhi (MIB& MHROD)
Department of Management Studies, Indian Institute of Technology, Kanpur (IIT-K)
Department of Management Studies, Indian Institute of Technology, Madras (IIT-M)
FORE School of Management, New Delhi
Goa Institute of Management (GIM), Goa
Great Lakes Institute of Management, Chennai (2 year PGDM Program)
Vinod Gupta School of Management, Indian Institute of Technology, Kharagpur (MHRM)
K. J. Somaiya Institute of Management Studies, Mumbai
LalBahadurShastri Institute of Management (LBSIM), Delhi
Loyola Institute of Business Administration (LIBA), Chennai
Symbiosis Institute of International Business (SIIB), Pune
Sydenham Institute of Management Studies, Research and Entrepreneurial Education (SIMSREE), Mumbai

44
B++ Grade
These institutes have offered consistently good quality of teaching and good placements with average salary of 5 -
8lacs. You will need to have at least 70+ %ile and above average academic record to have a realistic chance of
getting into any of these institutes. FMS-BHU with its low fee of about 40k and average placements well over Rs 6
lacs p.a., offers great value for money.

IIFM, IRMA, SCIT and SIOMare sectoral institutes in this category with IIFM focusing on Forest Management (a niche
and in demand field), IRMA focuses on rural management, SCIT on Information Technology and SIOM focuses on operations/
logistics/supply chain management.Also, you need have a bachelors degree in engineering to apply to SIOM.

All applicants who apply to IRMA with CAT 2015 score will need to appear for IRMA admissions test on Issues of
Social Concern.

Department of Management Studies, Indian Institute of Science, Bangalore (DoMS-IISc)

Department of Management Studies, Roorkee (IIT-R)
Faculty of Management Studies, BHU Varanasi
Indian Institute of Forest Management (IIFM), Bhopal
Institute for Financial Management and Research(IFMR), Chennai
Institute of Management Technology (IMT), Nagpur
Institute of Rural Management (IRMA), Anand
NarseeMonjee Institute of Management Studies (NMIMS), Bangalore
Sri Ram College of Commerce, MBA-GBO, New Delhi
Symbiosis Centre of Information Technology (SCIT), Pune
Symbiosis Institute of Business Management (SIBM), Bangalore
Symbiosis Institute of Operations Management (SIOM), Pune
Symbiosis Institute of Telecom Management (SITM), Pune
T. A. Pai Management Institute (TAPMI), Manipal
University Business School (UBS), Chandigarh
Welingkar Institute of Management (WE School), Mumbai

Regional Rankings
We have divided the next category, B+ Grade into four regions as these institutes are more well-known in their
region. These institutes which offer good quality of education and placements, but are yet to make a mark at the
national level. Theplacements for these institutes are mostly confined to leading companies in that region or
national/multi-national companies for their region specific requirements. Students are advised to do a thorough
research before finalizing any of these institutes. We have divided the institutes into 4 zones, wiz North, South, West
and East. Institutes in this category offer average salary of 47lacs. You will need to have at least 70+ %ile and above
average academic record to have a realistic chance of getting into any of these institutes.

Delhi & North

B+ Grade
Amity Business School, Noida
Birla Institute of Management & Technology (BIMTECH), Greater Noida
New Delhi Institute of Management (NDIM), New Delhi
College of Management and Economic Studies, UPES University, Dehradun
Jaipuria Institute of Management, Noida
Jagan Institute of Management Studies (JIMS), Rohini, New Delhi
Delhi School of Management, Delhi Technological University, Delhi

Bangalore & South

B+ Grade
Alliance School of Business, Bangalore
Amrita School of Business, Coimbatore
Christ University, Bangalore
Department of Business Management, Osmania University, Hyderabad
Department of Management Studies, National Institute of Technology, Tiruchirapalli
ICFAI Business School, Hyderabad
Institute of Management Technology (IMT), Hyderabad

45
 IFIM Business School, Bangalore
SDM-Institute for Management Development, Mysore
Thiagarajar Institute of Management, Madurai
Vanguard Business School, Bangalore*
VishwaVishwani Institute of Management Studies, Hyderabad
Welingkar Institute of Management (WE School), Bangalore
Xavier Institute of Management and Entrepreneurship (XIME), Bangalore

Mumbai & West

B+ Grade
Chetana Institute of Management & Research (CIMR), Mumbai
Department of Commerce& Management Studies (PUMBA), Pune University
Nirma University Institute of Management, Ahmedabad
MET Institute of Management, Mumbai
Symbiosis Institute of Management Studies (SIMS), Pune
National Institute of Banking Management (NIBM), Pune
NL Dalmia Institute of Management Studies & Research, Mumbai
SIES College of Management Studies, Mumbai
BalajiInstitute of Modern Management (BIMM), Pune
Department of Management, Birla Institute of Technology & Science (BITS), Pilani
Symbiosis School of Banking & Finance, Pune
Symbiosis Institute of Operations Management, Nashik

Kolkata & East

B+ Grade
Indian Institute of Social Welfare & Business Management (IISWBM), Kolkata
International Management Institute (IMI), Kolkata
International Management Institute (IMI), Bhubaneswar
Globsyn Business School, Kolkata
United World School of Business, Kolkata
Xavier Institute of Social Service (XISS), Ranchi

* Promoted by the Directors of VistaMind

Disclaimer:
1. B-Schools who wish to be a part of our ranking can contact us at info@vistamind.com
2. 1 Year program and certain specialised programs have not been included.

Visit our website (www.vistamind.com) for more details.

46
 Majorstockexchanges(top21bymarketcapitalization),asat31December2012
(Monthly reports, World Federation of Exchanges)

Rank Stock Exchange Economy Headquarters Market Open Close Lunch

Capitalization
(USDbillions) (local) (local) (local)
1 NYSE United States New York City 14,085 9:30 16:00 No
2 NASDAQ United States New York City 4,582 9:30 16:00 No
3 Tokyo Stock Exchange Japan Tokyo 3,478 9:00 15:00 11:3012:30
4 London Stock Exchange United Kingdom London 3,396 8:00 16:30 No
5 Euronext France Amsterdam 2,930 9:00 17:30 No
Netherlands
Belgium
Portugal
6 Hong Kong Stock Exchange Hong Kong Hong Kong 2,831 9:15 16:00 12:0013:00
7 Shanghai Stock Exchange China Shanghai 2,547 9:30 15:00 11:3013:00
8 Toronto Stock Exchange Canada Toronto 2,058 9:30 16:00 No
9 Frankfurt Stock Exchange Germany Frankfurt 1,486 08:00 22:00 No
(Eurex) (Eurex)
8:00 20:00
(floor) (floor)
9:00 17:30
(Xetra) (Xetra)
10 Australian Securities Exchange Australia Sydney 1,386 9:50 16:12 No
11 Bombay Stock Exchange India Mumbai 1,263 9:15 15:30 No
12 National Stock Exchange of India India Mumbai 1,234 9:15 15:30 No
13 SIX Swiss Exchange Switzerland Zurich 1,233 9:00 17:30 No
14 BM&F Bovespa Brazil So Paulo 1,227 10:00 17:30 No
15 Korea Exchange South Korea Seoul 1,179 9:00 15:00 No
16 Shenzhen Stock Exchange China Shenzhen 1,150 9:30 15:00 11:3013:00
17 BME Spanish Exchanges Spain Madrid 995 9:00 17:30 No

47
18 JSE Limited South Africa Johannesburg 903 9:00 17:00 No
19 Moscow Exchange Russia Moscow 825 10:00 18:45 No
20 Singapore Exchange Singapore Singapore 765 9:00 17:00 No
21 Taiwan Stock Exchange Taiwan Taipei 735 9:00 13:30 No
 Foreign Direct Investment in India

Foreign Direct Investment in India

Investments can be made by non-residents in the equity shares/fully, compulsorily and mandatorily convertible
debentures/fully, compulsorily and mandatorily convertible preference shares of an Indian company, through the
Automatic Route or the Government Route. Under the Automatic Route, the non-resident investor or the Indian
company does not require any approval from Government of India for the investment. Under the Government Route,
prior approval of the Government of India is required. Proposals for foreign investment under Government route,
are considered by Foreign Investment Promotion Board (FIPB).

SECTORS WHERE FOREIGN DIRECT INVESTMENT IS PROHIBITED:

1. Lottery Business including Government /private lottery, online lotteries, etc.

2. Gambling and Betting including casinos etc.
3. Chit funds
4. Nidhi company-(borrowing from members and lending to members only).
5. Trading in Transferable Development Rights (TDRs)
6. Real Estate Business (other than construction development) or Construction of Farm Houses
7. Manufacturing of Cigars, cheroots, cigarillos and cigarettes, of tobacco or of tobacco substitutes
8. Activities / sectors not open to private sector investment e.g. Atomic Energy and Railway Transport (other than
construction, operation and maintenance of (i) Suburban corridor projects through PPP, (ii) High speed train projects,
(iii) Dedicated freight lines, (iv) Rolling stock including train sets, and locomotives/coaches manufacturing and
maintenance facilities, (v) Railway Electrification, (vi) Signaling systems, (vii) Freight terminals, (viii) Passenger
terminals, (ix) Infrastructure in industrial park pertaining to railway line/sidings including electrified railway
lines and connectivities to main railway line and (x) Mass Rapid Transport Systems.)
9. Services like legal, book keeping, accounting & auditing.

Foreign technology collaboration in any form including licensing for franchise, trademark, brand name, management
contract is also prohibited for Lottery Business and Gambling and Betting activities.

SECTORS WHERE FOREIGN DIRECT INVESTMENT IS ALLOWED UPTO A LIMIT:

In the following sectors/activities, FDI up to the limit indicated against each sector/activity is allowed, subject to
applicable laws/regulations; security and other conditionalities. In sectors/activities not listed below, FDI is
permitted up to 100% on the automatic route, subject to applicable laws/regulations; security and other
conditionalities.

Sector % of Equity/FDI Cap

Petroleum Refining by PSU 49%
Teleports (setting up of up-linking HUBs/Teleports),Direct to Home (DTH), 74%
Cable Networks (Multi-system operators (MSOs) operating at national, state
or district level and undertaking upgradation of networks towards digitalization
and addressability), Mobile TV and Headend-in-the-Sky Broadcasting Service (HITS)
Cable Networks 49%
Broadcasting content services- FM Radio 26%
Uplinking of news and current affairs TV channels 26%
Print Media dealing with news and current affairs 26%
Air transport services- scheduled air transport 49%
Non-scheduled air transport 74%
Ground handling services Civil Aviation 74%
Satellites- establishment and operation 74%
Private security agencies 49%
Private Sector Banking- Except branches or wholly owned subsidiaries 74%
Public Sector Banking 20%

48
 Commodity exchanges 49%
Credit information companies 74%
Infrastructure companies in securities market 49%
Insurance and sub-activities 49%
Power exchanges 49%
Defence 49%
above 49% to CCS

SECTORS REQUIRING CENTRAL GOVERNMENT APPROVAL

Sector % of Equity/FDI Cap
Tea sector, including plantations 100%
Mining and mineral separation of titanium-bearing minerals and ores, 100%
its value additionand integrated activities
FDI in enterprise manufacturing items reserved for small scale sector 100%
Defenceunder FIPB/CCEA approval up to 49%
Defenceunder CCS approval (on a case-to-case basis, wherever it is likely to beyond 49%
result in access to modern and state-of-the-art technology in the country).
Teleports (setting up of up-linking HUBs/Teleports), Direct to Home (DTH), Cable beyond 49% and up
Networks (Multi-system operators operating at National or State or District level to 74%
and undertaking upgradation of networks towards digitalization and
addressability), Mobile TV and Headend-in-the Sky Broadcasting Service (HITS)
Broadcasting Content Services: uplinking of news and current affairs channels 26%,
Uplinking of non-news and current affairs TV channels 100%
Publishing/printing of scientific and technical magazines/specialty journals/ 100%
periodicals
Print media: publishing of newspaper and periodicals dealing with news and 26%
current affairs
Publication of Indian editions of foreign magazines dealing with news and 26%
current affairs
Terrestrial Broadcasting FM (FM Radio) 26%
Publication of facsimile edition of foreign newspaper 100%
Airports brownfield Beyond 74%
Non-scheduled air transport service Beyond 49% and
up to 74%
Ground-handling services beyond 49% and up
to 74%
Satellites 74%
Private securities agencies 49%
Telecom beyond 49%
Single brand retail beyond 49%
Asset reconstruction company beyond 49% and up
to 100%
Banking private sector (other than WOS/Branches) beyond 49% and up
to 74%
Banking public sector (other than WOS/Branches) 20%
Pharmaceuticals brownfield 100%

SECTORS UNDER AUTOMATIC ROUTE

All the items other than above are under the automatic route.

49
Jagmohan Dalmiya (30 May 1940 - 20 September 2015)

At the height of his career, it used to be said that Jagmohan Dalmiya

could sell a refrigerator to an Eskimo. Such was the
marketinggenius of the man, who brought money to Indian
cricket and replicated the success when he became the first Asian
to head the games global body. Seasoned cricket administrator
Dalmiya, 75, who died on 20th September 2015, was also known
for his resilience, with even his detractors acknowledging that
he had it in him to swim back to the shore if thrown deep into the
sea, or could rise like the proverbial phoenix from the ashes. The
septuagenarians almost unbelievable comeback earlier this year
as the head of the countrys premier cricket body BCCI, which had
once ignominiously thrown him out, only reinforced the notion. Born in a business family in 1940, Dalmiya was a
club-level cricketer. He kept wickets for two teams Jorabagan and Rajasthan in the (then) Calcutta cricket league,
and switched to cricket administration after hanging up his gloves. Mentored by then BCCI mandarin BiswanathDutt,
Dalmiya cut his teeth in Cricket Association of Bengal (CAB) politics, one of the most chequered and marathon
innings in Indias sports administration.

Dalmiya became BCCI Treasurer in 1983 the year India won the World Cup. The wily businessman didnt take much
time to understand that huge money could be brought to the game from telecast rights, and teamed up with his then
friend and later big foe I.S. Bindra to bring the cricket World Cup out of the British soil for the first time in 1987, as
India and Pakistan co-hosted the hugely successful Reliance Cup. Later, he served as BCCI Secretary, before becoming
ICC chief for three years in 1997.As the top man of the global body, he brought money to it too. The ICC, which had a
paltry sum in its coffers when he took over, was flush with funds when Dalmiyas stint ended in 2000. Dalmiya was
elected BCCI President in 2001. He was all-in-all in the board till his tenure ended in 2004.Later that year, Dalmiya
hoisted his acolyte Ranbir Singh Mahendra as his successor in a tantalizingly close election where then union
minister SharadPawarthrew his hat into the ring for the top post.

As the election ended in a tie, Dalmiya gave his casting vote to ensure Mahendras victory, prompting a dejected
Pawar to remark that the entire process was unfair.The umpire was the bowler, Pawar had quipped after his loss.
Dalmiya then controlled the board by proxy for a year, with Mahendra being a mere puppet.But the Pawar camp
fought back by using all means to checkmate Dalmiya at his own game in the 2005 election. Months later, the BCCI
lodged a police complaint against Dalmiya for alleged misappropriation of funds related to the 1996 World Cup in
which India was a co-host.As Dalmiya faced a police probe, the BCCI expelled him in December 2006, which also
forced him to step down as CAB president, months after a nerve-wracking election which he had won by defeating
then West Bengal Chief Minister BuddhadebBhattacharjees nominee, city Police Commissioner Prasun Mukherjee.
In mid-2007, Dalmiya was exonerated by the court, and he returned to head the CAB in 2008, by defeating then
president Mukherjee.However, in the next few years, he seemed only a shadow of his former self. He looked old, and
his lack of full fitness was talked about in CAB circles. But the wily cricket administrator bid his time, and pulled off
the first surprise when sidelined president N. Srinivasan pitchforked him to the post of BCCI interim chief in June
2013 after the spot-fixing scam emerged.The short term as head of the board brought him back to centrestage, with
also displaying his wide acceptability in the board. Dalmiya again played his cards well after the Supreme Court
ran out Srinivasan from the race.

50
Keeping both the lobbies headed by Srinivasan and Pawar guessing his next moves, Dalmiya deftly exploited the
hostility between the two to put himself up as an acceptable candidate and ultimately won the seat unopposed. In
1996, the BBC described Dalmiya as one of the worlds top six sports executives.In 2005, he was awarded the
International Journal of the History of Sports Achievement award for administrative excellence in global sport.Dalmiya
was often cited in the media as the man responsible for commercializing cricket and making BCCI the richest board
in the world.He was also credited for breaking Australia and Englands monopoly of ICC and establishing the
presence of Indian subcontinent in international cricket.He was nicknamed in the media the Machiavelli of Indian
cricket, the master of realpolitik, the king of comebacks.

Australian cricketer and commentator Ian Chappell has said of Dalmiya: He has a vision for the games progress
that I havent heard enunciated by any other so-called leader among cricket officials.

51
 IIFT Mock GK Paper 1

1. Which of the following country is not a member of G8 group of countries?

A. United Kingdom B. China C. Germany D. Canada

2. Which prominent intergovernmental organization launched the movement, Education For All (EFA):
A. UNCTAD B. UNIDO C. UNDP D. UNESCO

3. Which of the following country is a member of OECD group?

A. Venezuela B. Brazil C. Mexico D. South Africa

4. Select the correct Year Olympic host cities match:

Year Olympic host cities
1 1976 i London
2 1992 ii Tokyo
3 1964 i i i Montreal
4 2012 iv Barcelona
A. 1-ii, 2-iii, 3-iv, 4-i B. 1-iii, 2-i, 3-iv, 4-ii C. 1-iv, 2-ii, 3-i, 4-iii D. 1-iii, 2-iv, 3-ii, 4-i

5. Select the correct IPL Franchise Owner match:

IPL Franchise Owner
1 Mumbai Indians i UB group
2 Royal Challengers ii GMR Holdings
3 Chennai Super Kings i i i Reliance Industries
4 Delhi Daredevils iv India Cements
A. 1-ii, 2-iii, 3-iv, 4-i B. 1-iii, 2-i, 3-iv, 4-ii C. 1-iv, 2-ii, 3-i, 4-iii D. 1-iii, 2-iv, 3-ii, 4-i

6. Which of the following country is not a member of Nuclear Suppliers Group?

A. Belarus B. Malta C. Turkey D. Albania

7. Select the correct Bharat Ratna recipient-Year match:

Bharat Ratna recipients Year
1 Pandit Ravi Shankar i 1992
2 Ustad Bismillah Khan ii 1999
3 M S Subbulakshmi i i i 2001
4 Satyajit Ray iv 1998
A. 1-ii, 2-i, 3-iv, 4-i B. 1-iii, 2-i, 3-iv, 4-ii C. 1 -iv, 2-ii, 3-i, 4-iii D. 1-iii, 2-iv, 3-ii, 4-i

8. Select the WRONG Country-River-Currency match:

Country River Currency
A. Nigeria Benue Naira
B. South Korea Nakdong Won
C. Colombia Magdalena Peso
D. Malaysia Siouguluan Ringgit

9. Select the WRONG International Organization Location of Headquarter Country match:

International Organization Location of Head quarter Country
A. International Atomic Energy Agency Vienna Austria
B. World Health Organization Geneva Switzerland
C. International Monetary Fund New York USA
D. International Court of Justice The Hague Netherlands

52
10. Select the WRONG Venue of Hockey World Cup Year Winner match:
Venue of Hockey World Cup Year Winner
A. Kuala Lumpur 1975 India
B. London 1986 Australia
C. Sydney 1994 Netherlands
D. Monchengladbach 2006 Germany

11. Select the WRONG Book Author match:

Book Author (s)
A The Google Story David A. Vise and Mark Malseed
B Accidental Empires: How the Boys of Silicon Valley Make Their Millions, Robert X. Kennedy
Battle Foreign Competition,and Still Cant Get a Date
C The Monk Who Sold His Ferrari Robin S Sharma
D Freakonomics: A Rogue Economist Steven Levitt and
Explores the Hidden Side of Everything Stephen J. Dubner

12. Select the WRONG Country Name of Parliament match:

Country Name of Parliament
A Iran Majlis
B Norway Riksdag
C Tanzania 4Bunge
D Israel Knesset

13. Which of the following books has been authored by P. Chidambaram?

A. View from the outside: Why good economics works for everyone
B. Propelling India from Socialist Stagnation to Global Power
C. Interpreting the Indian Economy
D. Strategic consequences of Indias economic performance

14. Which of the treaty was signed amongst the European nations for entering into the monetary union?
A. Treaty of Nice B. Treaty of Versailles
C. Maastricht Treaty D. Treaty of Paris.

15. Which of the following Indian automobile major has a tie-up with a German insurer?
A. Hindustan Motors B. Maruti C. Bajaj Auto D. Ashok Leyland

16. Which Indian company has acquired General Chemical Industrial Products Inc. of USA in 2008?
A. Tata Chemicals B. Mody Chemical Industries
C. Gujarat Heavy Chemicals Ltd D. Hindustan Chemicals.

17. Which of the following is not part of the Central Police Forces under the Union Government of India?
A. Sashashatra Seema Ball B. Assam Rifles
C. National Security Guard8 D. Anti-Naxalite Force

18. In descending order, which of the following group of countries is correct about the length of Indias land borders
with its neighbors?
A. Bangladesh, Pakistan, China, Myanmar, Nepal B. China, Pakistan, Bangladesh, Myanmar, Nepal
C. China, Bangladesh, Pakistan, Nepal, Myanmar D. Bangladesh, China, Pakistan, Nepal, Myanmar

19. Chronologically which one of the following is correct?

A. (1) Indias first nuclear test, (2) Comprehensive Test Ban Treaty comes to force, (3) France and China sign Non
Proliferation Treaty
B. (1) India conducts its second nuclear test -1998, (2) N. Korea conducts test of nuclear weapon, (3) Chernobyl
nuclear power station accident in Ukraine
C. (1) International Atomic Energy Agency set up, (2) France conducts first nuclear test, (3) China conducts its first
nuclear test
D. (1) France and China sign Non Proliferation Treaty, (2) India conducts its second nuclear test, (3) France conducts
first nuclear test

53
20. Which of the following mountain peak is not located in India?
A. Daulagiri B. Mt. Kamet C. Saltoro Kangri D. Nanga Parbat (Diamir)

21. Select the correct Organization Purpose match:

Organization Purpose
1 NABARD i Financial assistance for warehousing
2 NCDC ii Refinancing agricultural credit
3 SCARDB i i i Inter-state sale of agricultural products
4 NAFED iv Land development
A. 1-ii, 2-i, 3-iv, 4-iii B. 1-iii, 2-i, 3-iv, 4-ii C. 1-ii, 2-iii, 3-iv, 4-i D. 1-iii, 2-iv, 3-ii, 4-i

22. In descending order, which one of the following is the correct sex ratio of states in India?
A. Kerala, Chhatisgargh, Tamil Nadu, Andhra Pradesh, Orissa
B. Kerala, Chhatisgargh, Orissa, Tamil Nadu, Andhra Pradesh
C. Kerala, Tamil Nadu, Orissa, Andhra Pradesh, Tamil Nadu
D. Kerala, Tamil Nadu, Chhatisgargh, Orissa, Andhra Pradesh

23. Select the correct Artists Instruments match:

Artists Instruments
i. N. Rajam a. Santoor
ii. Satish Vyas b. Violin
iii. Vilayat Khan c. Rudra Vina
iv. Asad Ali Khan d. Sitar
A. i-c, ii-b, iii-d, iv-a B. i-b, ii-a, iii-d, iv-c C. i-d, ii-a, iii-b, iv-c D. i-c, ii-d, iii-b, iv-a

24. Select the correct Sobriquets Primary Names match:

Sobriquets Primary Names
i. Emerald Island a. Bahrain
ii. Island of pearls b. Ireland
iii. Holy land c. Bhutan
iv. Land of thunderbolt d. Palestine
A. i-b, ii-d, iii-c, iv-a B. i-c, ii-d, iii-a, iv-b C. i-b, ii-a, iii-d, iv-c D. i-c, ii-a, iii-d, iv-b

25. Which of the following is an incorrect Award - Person match?

A. Indra Nooyi - Padma Shri
B. M Sukumaran - Sahitya Academy Award
C. Dr. Jagannath Prasad Das - Saraswati Samman
D. Rahman Rahi - Jnanpith Award

26. The antibiotic penicillin is obtained from:

A. a bacterium B. fungus C. synthetic means D. virus-infected cells

27. Select the correct Railway Zone Head Quarter match:

Railway Zone Head Quarter
i. South-East Central a. Jablpur
ii. North-East Frontier b. Maligaon
iii. North Eastern c. Bilaspur
iv. West Central d. Gorakhpur
A. i-a, ii-b, iii-d, iv-c B. i-a, ii-d., iii-b, iv-c C. i-b, ii-b, iii-c, iv-d D. i-c, ii-a, iii-d, iv-d

28.. Select the correct Inventions/Discoveries Inventors/ Discoverers match:

Inventions/Discoveries Inventors/ Discoverer
i. Cassette(Audio) a. Philips Co..
ii. Super Co.mputer b. J. H. Van Tassel.
iii. Cloning(Mammal) c. Wilmut, et al
iv.. HIV . d. Mortagnier
A. i-a, ii-b, iii-c, iv-d B. i-b, ii-a, iii-d, iv-c C. i-c, ii-a, iiii-b, iv-d D. i-a, ii-b, iii-d, iv-c

54
29. Select the correct Diseases Plants affected match:
Diseases Plants
i. Black heart a. Peas
ii. Red Rot b. Wheat
iii. Karnal Bunt c. Sugarcane
iv. Powdery Mildew d. Patatos
A. i-a, ii-b, iii-d, iv-c B. i-d, ii-c, iii-b, iv-a C. i-b, ii-c, iii-a, iv-d D. i-a, ii-b, iii-c, iv-d

30. In April 2008 ISRO launched the following satellite form Sriharikota:
A. KITSAT-3 B. CARTOSAT-2A C. HAMSAT D. INSAT-4CR

31. Arcelor, acquired by Mittal steel, was formed by merger of which of the following three steel companies?
A. Arcel, Arecalia and Usinor B. Arcel, Acer and Lucinor
C. Arbed, Aceralia and Usinor D. None of the above

32. Select the correct author book match.

Author Book
a. Narayan Murthy i. Imagining India
b. Nandan Nilekani ii. Remaking India
c. Ratan Tata iii. A Better India A Better World
d. A P J Abdul kalam iv. A Vision For The New Millennium
A. a-iii, b-i, c-ii, d-iv B. a-i, b-iii, c-iv, d-ii C. a-i, b-ii, c-iii, d-iv D. a-ii, b-i, c-iii, d-iv

33. The company Fem Care Pharma Limited, the manufacturer of Fem Bleach, was acquired by?
A. Hindustan Unilever Limited B. Godrej Industries Limited
C. Dr Reddy s Laboratories D. Dabur India Limited

34. Which is the correct Stock Index - Country Match?

Stock Index Country
a. HANG SENG i. United States
b. NASDAQ ii. South Korea
c. FTSE iii. Hong Kong
d. KOSPI iv. United Kingdom
A. a-i, b-ii, c-iii, d-iv B. a-iii, b-i, c-iv, d-ii C. a-iv, b-i, c-iii, d-ii D. a-iv, b-ii, c-i, d-iii

35. Which is the correct Legal Act and Jurisdiction Match?

Act Jurisdiction
a. Companies Act 1956 i. Facilitating external trade and payments
b. Competition Act 2002 ii. Formation and regulation of companies
c. SEBI Act 1992 iii. Prohibition of anti-competitive agreements
d. FEMA Act 1999 iv. Investors protection
A. a-ii, b-iii, c-iv, d-i B. a-iv, b-ii, c-iii, d-i C. a-iv, b-i, c-ii, d-iii D. a-iv, b-ii, c-iii, d-i

36. Match the President, Country and Currency.

President Country Currency
a. Nicolas Sarkozy i. Russia 1. Rouble
b. Dmitry Medvedev ii. Uganda 2. Euro
c. Yoweri Museveni iii. Germany 3. Shilling
d. Horst Kohler iv. France 4. Dollar
A. a-i-1, b-ii-2, c-iii-3, d-iv-4 B. a-iii-2, b-i-1, c-ii-3, d-iv-4
C. a-iv-2, b-i-1, c-ii-3, d-iii-2 D. a-iv-2, b-i-1, c-iii-4, d-iv-4

37. The abbreviations given in the first column are explained in the second column. Select the option which has all
wrong explanations of the abbreviations.
a. UNCTAD: i. United Nations Conference on Trade and Development
b. UNCED: ii. UN Conference on Education and Development
c. TAFTA: iii. Trans-Atlantic Financial Trade Agreement
d. FEMA: iv. Foreign Exchange Management Act

55
 e. PFRDA: v. Pension Fund Reporting and Development Authority
f. NASSCOM: vi. National Association of Software and Services Companies
g. MODVAT: vii. Modified Value Added Tax
h: FCNRA: viii. Foreign Currency Non-Resident Account
i. ASSOCHAM: ix. Associated Chamber of Commerce Trade and Industry
A. b-ii, c-iii, e-v, i-ix B. a-i, f-vi, h-viii C. b-ii, d-iv, g-vii D. e-v, i-ix, h-viii

38. Who amongst the following was not nominated by the Government of India on the board of Satyam Computers
Services?
A. T N Manoharan B. Ketan Parekh
C. Suryakant Balakrishnan Mainak D. Kiran Karnik

39. CDS which has been in news recently stands for?

A. Collateral Default Swap B. Credit Demand Swap
C. Credit Default Swap D. Collateral Demand Swap

40. The table given below matches the company with its auto brand. Choose the correct match.
Company Brand
a. Mahindra i. Land Rover
b. Tata ii. Jetta
c. Toyota iii. Lexus
d. Volkswagen iv. Xylo
A. a-i, b-ii, c-iii, d-iv B. a-iv, b-i, c-ii, d-iii C. a-iv, b-i, c-iii, d-ii D. a-iv, b-ii, c-iii, d-iv

41. The slogans in the table given below have been matched with the company they relate to. Choose the correct match.
Slogan Company
a. Let s make things better i. HP
b. Technology you can trust ii. Phillips
c. Sponsors of tomorrow iii. Microsoft
d. Your potential our passion iv. Intel
A. a-ii, b-i, c-iii, d-iv B. a-iii, b-ii, c-i, d-iv C. a-ii, b-i, c-iv, d-iii D. a-ii, b-iv, c-i, d-iii

42. In the financial year 2008-09, the top three investing countries in terms of FDI inflows were:
A. USA, UK, Mauritius B. Mauritius, Singapore, USA
C. UK, Japan, Mauritius D. Mauritius, USA, Japan

43. Negative inflation is also called:

A. Disinflation B. Deflation C. Both D. None of the above

44. The co-founders of Google are:

A. Sergey Brin & Eric Schmidt B. Larry Page & Eric Schmidt
C. Sergey Brin & Larry Page D. Shirley M tilghman & Eric Schmidt

45. Which of the following Public Sector Units does not fall in the category of Navratna PSUs:
A. Steel authority of India (SAIL) B. Indian oil corporation (IOC)
C. National Thermal Power corporation (NTPC) D. National Hydroelectric Power Corporation (NHPC)

46. Which one of the following statements does not relate to the concept of carbon credits?
A. For one tonne of carbon dioxide emission reduction a company receives a carbon emission certificate which can
be traded like any other commodity.
B. The carbon emission certificates are sold to companies in developed economies like power utilities.
C. Carbon credit certificates are traded under UN-mandated international convention on climate change.
D. Developing economies are allowed to offset some of their emissions from cars, factories and homes by funding
clean energy projects in developed ones.

47. India signed the Kyoto Protocol in the year:

A. 2000 B. 1998 C. 2002 D. 1995

56
48. Match Column A with Column B.
Column A Column B
a. C K Pralhad i. Capability & equality
b. Paul Krugman ii. Climate Change & Global Warming
c. Al Gore iii. International Trade And Geography
d. Amartya Sen iv. Core Competence Of The Corporation
A. a-i, b-ii, c-iii, d- iv B. a-iv, b-iii, c-ii, d-i C. a-ii, b-iii, c-i, d-iv D. a-iii, b-ii, c-i, d-iv

49. Match the women CEOs with the company.

CEO Company
a. Ms Shikha Sharma i. HSBC
b. Ms Naina Lal Kidwai ii. Axis bank
c. Ms Indra Nooyi iii. Biocon India
d. Ms Kiran Majumdar Shaw iv. Pepsico
A. a-iii, b-i, c-ii, d-iv B. a-i, b-ii, c-iv, d-iii C. a-ii, b-i, c-iv, d-iii D. a-i, b-iii, c-iv, d-ii

50. Match the company and the place where it originates from
Company Place of origin
a. Toyota i. Finland
b. Nokia ii. Japan
c. Volvo iii. South Korea
d. LG Electronics iv. Sweden
A. a-ii, b-i, c-iv, d-iii B. a-ii, b-i, c-iii, d-iv C. a-iii, b-ii, c-i, d-iv D. a-iii, b-iv, c-i, d-ii

IIFT Mock GK Paper 2

1. Name the South Korean President who attended the Indian Republic Day Parade in 20l0 as a chief guest.
(A) Kim Yoon Ok (B) Ban Ki- Moon (C) Lee Myung Bak (D) Chung Mong Koo

2. The Indian government auctioned the 3G spectrum in 22 telecom circles in 20l0. Which three companies won
the maximum number of circles in the auction?
a. R-Com b. Airtel c. Vodafone d. Aircel
(A) a, b & c (B) b, c & d (C) a, c & d (D) a, b & d

3. Which one of the following group of banks formed a joint venture in Life Insurance Sector?
(A) Canara Bank, HSBC, Oriental Bank of Commerce Limited
(B) Canara Bank, HDFC, Syndicate Bank
(C) HDFC, HSBC, Oriental Bank of Commerce Limited
(D) Canara Bank, Axis Bank, HDFC

4. Match the International Organization-Location- Country

International Organization Location Country
a. North Atlantic Treaty Organization (NATO) i. Lyons 1 Austria
b. World Wild Life fund (WWF) ii. Vienna 2 Switzerland
c. Organization of Pertroleum Exporting iii. Gland 3 France
Countries (OPEC)
d. International Police(INTERPOLE) iv. Brussels 4 Belgium
(A) a-iii-2, b-iv-4, c-i-3, d-ii-1 (B) a-iv-4, b-iii-2, c-ii-1, d-i-3
(C) a-ii-4, b-iv-3, c-iii-1, d-i-2 (D) a-i-4, b-iii-1, c-ii-3, d-iv-2

5. Match the Women CEOs in 2010 and their respective Company and its Location.
Name ofCEOs Name of theCompany Location
a. Carol ABartz i. Dupont 1. Colorado
b. Ellen JKullman ii. Western Union 2. California
c. UrsulaBurns iii. Yahoo Inc 3. Connecticut

57
 d. Christina AGold iv. XeroxCorporation 4. Deleware
(A) a-ii-4, b-iii-3, c-iv-1, d-i-2 (B) a-iii-3, b-iv-4, c-i-1, d-ii-2
(C) a-iii-2, b-i-4, c-iv-3, d-ii-1 (D) a-ii-1, b-iii-2, c-i-4, d-iv-3

6. Match the Acquiring Company with its Target Company.

Acquiring Company Target Company
a. United Breweries Group 1. Schoneweiss
b. Mahindra & Mahindra 2. RSM Ambit
c. Price Water Cooper 3. Ambuja Cement
d. Holcim 4. Shaw Wallace
(A) a-4, b-3, c-1, d-2 (B) a-1, b-4, c-2, d-3 (C) a-2, b-1, c-3, d-4 (D) a-4, b-1, c-2, d-3

7. Match the Company an and its Tagline

Company Tagline
a. Toyota 1. Express Yourself
b. BSNL 2. The easy way to stay intouch
c. Airtel 3. Connecting India
d. Trump (MTNL) 4. Touch the perfection
(A) a-2, b-4, c-1, d-3 (B) a-4, b-1, c-3, d-2 (C) a-4, b-3, c-1, d-2 (D) a-2, b-4, c-3, d-1

8. Match the name of the Indian Banks with their Brand Ambassadors for the year 2010.
Name of theBanks Name of the BrandAmbassador
a. Canara Bank 1. Rahul Dravid
b. Dena Bank 2. Hema Malini
c. Bank of Rajasthan 3. Venkatesh Prasad
d. Bank of Baroda 4. Juhi Chawla
(A) a-4, b-2, c-1, d-3 (B) a-2, b-3, c-4, d-1 (C) a-3, b-4, c-2, d-1 (D) a-4, b-1, c-2, d-3

9. Match the following measuring instruments to the formal test methods which define the use of the Instrument
Instruments Use of instrument
a. Squid i. Heating of power radiation
b. Actionometer ii. Viscosity of a fluid
c. Dilatometer iii. Boiling Temperature of aliquid
d. Ebulliscope iv. Coefficient of thermal expansion
e. Rheometer v. Magnetic Field
(A) a-v, b-i, c-iv, d-iii, e-ii (B) a-ii, b-i, c-v, d-iii, e-iv (C) a-v, b-iv, c-i, d-ii, e-iii (D) a-iii, b-iv, c-v, d-i, e-ii

10. Name the Indian state having maximum number of Major Seaports.
(A) West Bengal (B) Goa (C) Gujarat (D) Tamil Nadu

11. Match the National Highway route number to States that it covers?
National Highway Route Number Name of theIndian States which the NH covers
a. National HighwayNumber 6 1. Punjab,Rajasthan, Gujarat
b. National HighwayNumber 7 2. Delhi, Haryana, Rajasthan, Gujarat, Maharashtra
c. National HighwayNumber 8 3. Orissa,Jharkhand, WestBengal, Gujarat
d. National HighwayNumber 15 4. Uttar Pradesh,Madhya Pradesh, Maharashtra,
Andhra Pradesh, Karnataka,Tamil Nadu
(A) a-4, b-2, c-1, d-3 (B) a-2, b-3, c-4, d-1 (C) a-3, b-4, c-2, d-1 (D) a-4, b-1, c-2, d-3

12. Match the old name to the new name of the countries.
Old Name NewName
a. South West Africa 1. Ethiopia
b. Rhodesia 2. Zambia
c. Northern Rhodesia 3. Namibia
d. Abyssinia 4. Zimbabwe
(A) a-2, b-4, c-3, d-1 (B) a-3, b-4, c-2, d-1 (C) a-4, b-3, c-2, d-1 (D) a-1, b-4, c-2, d-3

58
13. Match the Country, City and River.
Country City River
a. Germany i. Lisbon 1. Vistula
b. Poland ii. Chittagong 2. Karnafuli
c. Portugal iii. Dreden 3. Tagus
d. Bangladesh iv. Warsaw 4. Elbe
(A) a-i-3, b-iv-1, c-iii-2, d-ii-4 (B) a-iii-1, b-iv-3, c-i-4, d-ii-2
(C) a-iv-4, b-iii-1, c-i-2, d-ii-3 (D) a-iii-4, b-iv-1, c-i-3, d-ii-2

14. Match the Geographical Epithet to Country/ City.

Epithet Country /City
a. Quaker city 1. Budapest
b. Twin city 2. Chicago
c. White city 3. Philadelphia
d. Windy city 4. Belgrade
(A) a-1, b-4, c-3, d-2 (B) a-4, b-3, c-2, d-1 (C) a-3, b-1, c-4, d-2 (D) a-1, b-2, c-4, d-3

15. The State Bank of India was known as Imperial Bank of India in 1921, which was an amalgamation of three banks
namely.
(A) Bank of Bengal, Bank of Bombay and Bank of Madras
(B) Bank of Bengal, Bank of Punjab and Bank of Mysore
(C) Bank of Bombay, Syndicate Bank and Union Bank
(D) Bank of Madras, Mercantile Bank, Bank of Travancore

16. The Constitution of which country has influenced the inclusion of the Emergency Provision in the Indian
Constitution.
(A) Germany (B) Canada (C) USA (D) Britain

17. Which one of the following national park established by government of India is the relatively the latest one?
(A) Madhav National Park, Madhya Pradesh (B) Khangchendzonga National Park, Sikkim
(C) Corbett National Park, Uttaranchal (D) Tadoba National Park, Maharashtra

18. Who among the following is a recipient of the prestigious Dara Shikoh award by Indo-Iran Society for contributing
towards nurturing the value of peace, harmony and brotherhood in 2010.
(A) Sheikh Hasina (B) Sonia Gandhi (C) Shiela Dixit (D) Fatima Bhutto

19. Which one of the following Indian Union Territory is having the legislative assembly as of 2010.
(A) Dadra and Nagar Haveli (B) Lakshadeep
(C) Puducherry (D) Andaman and Nicobar Islands

20. Match the Lt. Governors - Indian Territories- and the Capital.
Lt.Governors UnionTerritories Capital
a. J. K. Dadoo i. Dadra andNagar Haveli 1. Kavaratti
b. Satya Gopal ii. Puducherry 2. Port Blair
c. Iqbal Singh iii. Andaman andNicobarIsland 3. Silvassa
d. Lt. Gen.(Retd). iv. Lakshadweep 4. Puducherry
Bhopinder Singh
(A) a-iii-2, b-i-3, c-iv-1, d-ii-4 (B) a-ii-4, b-iii-2, c-iv-3, d-i-1
(C) a-i-3, b-iv-1, c-ii-4, d-iii-2 (D) a-iv-1, b-i-3, c-ii-4, d-iii-2

21. Which one of the following structure has been included in UNESCO in 2010 as world cultural heritage list?
(A) Chhatrapati Shivaji Terminus (B) Jantar Mantar
(C) Mahabodhi Temple Complex at Bodh Gaya (D) Red Fort Complex

22. Match the following Head of the Staff to the concerned Defense forces.
Head of the Staff Defence Force
a. Pradeep VasantNaik 1. Chief of IntegratedDefense Staff
b. Vijay KumarSingh 2. Chief of Naval Staff

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 c. Nirmal Verma 3. Chief of Army Staff
d. Suresh ChandMukul 4. Chief of Air Staff
(A) a-3, b-4, c-1, d-2 (B) a-4, b-3, c-2, d-1 (C) a-3, b-2, c-1, d-4 (D) a-1, b-2, c-4, d-3

23. Which one of the following state is having maximum number of special economic zone (SEZ), notified
under the SEZ Act, 2005.
(A) Andhra Pradesh (B) Maharashtra (C) Tamil Nadu (D) Karnataka

24. Match the following Brand to the Company.

Brand Company
a. Santoor 1. Hindustan Unilever Limited
b. Margo 2. Wipro
c. Camay 3. Henkel
d. Hamam 4. Proctor and Gamble
(A) a-4, b-1, c-2, d-3 (B) a-2, b-3, c-4, d-1 (C) a-3, b-1, c-4, d-2 (D) a-2, b-4, c-1, d-3

25. Match the Countries - Name of the parliament Currency

Country Name of the Currency
Parliament
a. Sweden i. Diet 1. Yen
b. Japan ii. Riksdag 2. Zloty
c. Poland iii. Knessat 3. Krona
d. Israel iv. Sejm 4. New Shekkel
(A) a-iii-2, b-iv-1, c-i-4, d-ii-3 (B) a-ii-3, b-i-1, c-iv-4, d-iii-4
(C) a-iv-2, b-iii-1, c-ii-4, d-i-3 (D) a-ii-3, b-i-1, c-iii-4, d-iv-2

26. Name the sports personality who is not an ambassador for the Common WealthGames 2010.
(A) Samaranth Jung (B) Sushil Kumar (C) MC Mary Kom (D) Tejeswini Sawant

27. Match the Central Public Sector Enterprises in India and their position
CPSE Position
a. Steel Authority ofIndia Limited 1. Mini RatnaCategory I
b. Gas Authority ofIndia Limited 2. Maharatna
c. Bharat SancharNigam Limited 3. Mini RatnaCategory II
d. HindustanMachines and Tools 4. Navratna
(A) a-3, b-2, c-4, d-1 (B) a-2, b-4, c-1, d-3 (C) a-2, b-4, c-3, d-1 (D) a-4, b-2, c-1, d-3

28. Select the country that has maximum share in FDI equity inflow in India as on June 2010.
(A) Germany (B) UAE (C) France (D) Netherland

29. Which sector attracted minimum FDI equity Inflow in India in the year 2009 2010?
(A) Construction activities (B) Housing and real estate
(C) Telecommunications (D) Power

30. Match the Indian TV Channel to its Owners/ Parent Company

TV Channel Owner / Parent Company
a. CNBC 1 Bennett, Coleman and Co.Ltd
b. Times Now 2 Raghav Bahal
c. Star News 3 India Today Group
d. Aaj Tak 4 Anand Bazar Publication
(A) a-2, b-4, c-3, d-1 (B) a-2, b-1, c-4, d-3 (C) a-2, b-3, c-4, d-1 (D) a-3, b-1, c-4, d-2

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 IIFT Mock GK Paper 3

1. Who won the 2011 FIFA Womens World Cup Final?

(A) Sweden (B) Japan (C) USA (D) France

2. Match the correct Celebrity Endorser with the Brand of Vests:

Celebrity Endorser Brand of Vests
a. Hrithik Roshan i. Amul Macho
b. Saif Ali Khan ii. Dollar Club
c. Neil Nitin Mukesh iii. MacroMan
d. Akshay Kumar iv. GenX
(A) a-ii; b-i; c-iii; d-iv (B) a-iii: b-i; c-iv; d-ii (C) a-iv; b-iii; c-ii; d-i (D) a-iii; b-iv; c-i; d-ii

3. Which of the following is a space mission by ISRO?

(A) SROSS-C2 (B) QuickSeat (C) SAMPEX (D) Stardust

4. Elzie Crisler Segar is best known as the creator of the cartoon character of _______ ?
(A) Garfield (B) Popeye (C) Scooby Doo (D) Blondie

5. Identify the correct match for the Personality with what he/she is known for:
Personality Known for
a. Bhagwan Dass i. Bharat Ratna
b. Annie Besant ii. TheosophicalSociety
c. Bharat Muni iii. Natya Shastra
d. Bhavabhuti iv. Malatimadhava
(A) a-i; b-ii; c-iii; d-iv (B) a-ii; b-i; c-iv; d-iii (C) a-ii; b-i; c-iii; d-iv (D) a-i; b-ii; c-iv; d-iii

6. Which book among the following is not written by Dr. A. P. J. Abdul Kalam?
(A) Wings of Fire (B) India in the New Millennium
(C) India My Dream (C) Envisioning an Empowered Nation

7. In the table below, match the correct Trade Name of medicine with its Generic Name and the name of the pharmaceutical
company that manufactures it:
TradeName Generic Name Manufacturer
a. Viagra i. Acetaminophen 1. Roche
b. Tylenol ii. Ibuprofen 2. Pfizer
c. Tamiflu iii. SildenafilCitrate 3. Johnson &Johnson
d. Brufen iv. Oseltamivir 4. AbbottLaboratories
(A) a-i-4; b-ii-3; c-iii-2; d-iv-1 (B) a-iii-2: b-i-3; c-iv-1; d-ii-4
(C) a-iii-1: b-i-2; c-iv-3; d-ii-4 (D) a-i-4; b-iv-3; c-iii-2; d-ii-1

8. By what name were the Commonwealth games known when they were first held in 1930 in Ontario, Canada?
(A) British Commonwealth Games (B) British Empire and Commonwealth Games
(C) British Empire Games (D) Queens Empire games

9. Who did declare, The only hope for India is from the masses. The upper classes are physically and morally dead?
(A) Gopalkrishna Gokhale (B) Bal Gangadhar Tilak
(C) Mahatma Gandhi (D) Swami Vivekananda

10. Which of the following rivers do not flow across Uttarakhand?

(A) Bhagirathi and Ganga (B) Ramaganga and Yamuna
(C) Gandak and Gomti (D) Tons and Tilak

11. Identify the correct match of the Folk Dances and States given below:
Folk Dances States
a. Dhalo i. Goa
b. Ghoomra ii. Kerala

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 c. Gidda iii. Orissa
d. Thullal iv. Punjab
(A) a-i; b-ii; c-iv; d-iii (B) a-i; b-iii; c-iv; d-ii (C) a-iii: b-i; c-iv; d-ii (D) a-iii; b-ii; c-iv; d-i

12. Which of the following group of countries is not member of the United Nations?
(A) Taiwan, Yemen, Tunisia (B) Tunisia, Vatican City, Turkish Cyprus
(C) Tunisia, Turkish Cyprus, Vatican City (D) Vatican City, Turkish Cyprus, Taiwan

13. Match the correct Country with its Capital City and Currency:
Country CapitalCity Currency
a. Argentina i. Ashgabat 1. Birr
b. Ethiopia ii. BuenosAires 2. Rial
c. Turkmenistan iii. AddisAbaba 3. Peso
d. Yemen iv. Sana 4. Manat
(A) a-iv-2; b-i-3; c-iii-4; d-ii-1 (B) a-ii; -2; b-iii-1; c-iv-4; d-i-3
(C) a-ii-3; b-iii-1; c-i-4; d-iv-2 (D) a-ii-2; b-iii-3; c-i-1; d-iv-4

14. Indian Rupee received a unique symbol which blends the scripts of ______
(A) Devanagari and Palli (B) Sanskrit and Roman (C) Devanagari and Roman (D) None of the above

15. Which of the following facts is not true about Mahatma Gandhi?
(A) He was chosen for the Nobel Peace Prize in 1948, but because of his unfortunate assassination, the Peace Prize
was not awarded that year.
(B) Time magazine named him the Man of the Year in 1930.
(C) In 1999, he was declared the Person of the Century by the Time magazine, and the runner-up was Albert Einstein.
(D) He was shoved out a train in 1893 in Pietermaritzburg in KwaZulu Natal province of South Africa, because he
refused to move to a third class coach while holding a first class ticket.

16. Mark the correct match of Public Programmes with the Ministry:
Public Programmes Ministry of
a. MNREGS i. Rural Development
b. JNNURM ii. Panchayati Raj
c. RHM iii. Urban Development
d. IAY iv. Health & Family Welfare
(A) a-i; b-ii; c-iii; d-iv (B) a-ii; b-iv; c-i; d-iii. (C) a-i; b-iv; c-iii; d-ii (D) a-ii; b-iii; c-iv; d-i

17. Given below are names of select personalities who have been recently rated among the most powerful women of
the world by Forbes. Identify the option that ranks them in the right order (from 1 to 4) as they are ranked in the
Forbes list of the worlds 100 most powerful women in 2011:
Angela Merkel; Hillary Clinton; Michelle Obama; Oprah Winfrey; Indira Nooyi; Irene Rosenfeld; Dilma Rousseff
(A) A. Hillary Clintion B. Angela Merkel C. Michelle Obama D. Oprah Winfrey
(B) A. Michelle Obama B. Irene Rosenfeld C. Oprah Winfrey D. Indira Nooyi
(C) A. Angela Merkel B. Hillary Clinton C. Dilma Rousseff D. Dilma Rousseff
(D) A. Angela Merkel B. Hillary Clinton. C. Dilma Rousseff D. Indira Nooyi

18. Which of the following is not an eligibility condition placed in the Draft Guidelines for Licensing of New Banks
in the Private Sector issued by the Reserve Bank of India on 29th August 2011?
(A) New banks must have a minimum capital of Rs. 500 crores from the beginning.
(B) Only credible groups with 10 years track record will be eligible to set up banks.
(C) Foreign shareholding in the new bank shall not exceed 5% for the first 5 years.
(D) Groups having 10% or more income or assets or both from real estate construction or broking business or both
in last 3 years will not be eligible.

19. Match the correct name of the Regulator / Association with the name of its Chairman (as on 31st August 2011):
Regulator / Association Chairmans Name
a. Securities and Exchange Board ofIndia . i. J. Hari Narayan
b. Forward Markets Commission ii. Ramesh Abhishek

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 c. Insurance and Regulatory Development Authority iii. Milind Barve
d. Association of Mutual Funds of India iv. U.K. Sinha
(A) a-iv; b-iii; c-ii; d-i (B) a-iii; b-i; c-iv; d-ii (C) a-iii; b-iv; c-i; d-ii (D) a-iv; b-ii; c-i; d-iii

20. Which of the following group of companies have agreed to merge their Liquid-Crystal Display business as at August
2011?
(A) Sony Corp., Samsung Electronics, Chimei Innolux Corp.
(B) Sony Corp., Toshiba Corp., Hitachi Ltd.
(C) Samsung Electronics Co., LG Electronics Co., Hitachi Ltd.
(D) Samsung Electronics Co., Toshiba Corp., Chimei Innolux Corp.

21. Match the correct name of the Film with its Lead Actor and Director:
Film Lead Actor Director
a. TheAviator i. RussellCrowe 1. RichardAttenborough
b. ABeautifulMind ii. Colin Firth 2. MartinScorsese
c. Gandhi iii. LeonardoDi Caprio 3. Ron Howard
d. TheKingsSpeech iv. BenKingsley 4. Tom Hooper
(A) a-iii-2; b-i-3; c-iv-1; d-ii-4 (B) a-ii-4; b-i-3; c-iv-1; d-iii-2
(C) a-i-2; b-ii-1; c-iv-3; d-iii-4 (D) a-iii-4; b-iv-2; c-ii-1; d-i-3

Answers given at the end of the magazine

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 Crossword
1 2
3
4 5

6 7
8
9 10 11

12 13 14 15

16 17

18 19 20

21
22 23

24

25

26

ACROSS
1 I was ..... a beach towel on the sand 5. Aware of what is happening around oneself
6. A moral sense that urges one to do right 10. Opposite of find
11. About ot happen 13. Pity or sadness for the problems of another
14. To happen or come before 16. I only discuss ..... matters with close friends
17. A sweet treat after a meal 18. I was ..... on my bed
21. Able to endure harsh conditions 22. In a proper and refined manner
24. Very odd 25. Little rain falls there
26. In the past

Down
1. Opposite of tight 2. Outstanding in accomplishment or character
3. A word spelled the same as another word 4. Honorable
but with a different meaning
7. To leave ones country to settle in another 8. The people employed by a business
9. Right is a ..... for write 12. The level of a persons confidence
15. The ability to understand and identify with 19. To settle in a new country
another persons feelings.
20. To go forward 21. Showing warm, cheerful feelings
23. A fair or sale
Answers given at the end of the magazine

64
 Sudoku

7 5 2 4 1 9
7 2
6 1 3 8
7 3
7 4
3 1
5 6 2 4
9 1
1 3 9 5 6 7

Answers given at the end of the magazine

Gadget Review iPhone 6S

Generally, there has been very little difference in the S models from their
predecessors, thus making these S model launches very unexciting. However,
this time around its a little different: the iPhone 6S is both a great upgrade
from those stuck on a 5S, and a decent phone in its own right. If youre ready
for an upgrade from the old design and are desperate to stick with Apple then
this is a great handset to go for.

Design
Visually this is almost identical to last years redesigned iPhone 6, with the same ceramic metal feel and slightly
protruding camera that means you can place it side by side with the iPhone 6 and not really notice the difference.
The only marginal change is the additional thickness, very likely to facilitate the new 3D Touch technology on the
screen. Compared to other phones on the market, the iPhone 6S still manages to mix that feeling of premium build
with a light and thin phone - its a joy to hold. Apples nod to the improved build with reinforced 7000 series
aluminium is clearly a direct result of the iPhone 6s Bendgate, where the phone was slightly prone to changing
shape if pressure was applied. Either way its now much less prone to changing shape even in the back pocket.
However, dont apply force to the expensive object in your pocket!

3D Touch but old screen

The biggest change for the iPhone 6S is 3D Touch. This changes everything for Apple users, and while its not enough
of a reason to upgrade from the 6, its a pretty nifty trick that again promises to make current iPhone 5S owners feel
like theyre getting a real upgrade with their new phone. The main difference 3D Touch brings is the ability to interact
with on-screen instructions in different ways. Its too early to delve into all the ways that the new power will work,
but the system is simple: you can tap like before, but press a bit harder on an icon or message and youll get a new
menu popping up. Imagine its like right-clicking the mouse to get a secondary menu, and youre pretty much there.
Its a cool new feature, although one that app developers will need to work with for a while to really get the best out
of. The iPhone 6S screen, new touchy-powers aside, is pretty much identical to the one seen on the iPhone 6. While
Apple has one of the lowest-res screens of all the flagship phones, the way its displayed (laminated to the glass,
highly colorful) makes it still look beautiful

Camera
The expected upgrade from the iPhone 6s camera has arrived: the iPhone 6S has a 12MP snapper and it looks like
itll deliver in spades. The need to jump in megapixels was rarely warranted for a brand beyond the need to impress
consumers with higher numbers, but this year things are starting to jump forward. The Samsung Galaxy S6 is taking
stunning photos with a 16MP option, and Sonys Xperia Z5, packing a 23MP sensor and super fast autofocus,
actually uses those additional pixels to good use... forcing Apple to take up the challenge.

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 The usual feature set - which is actually pretty useful - is also still present, with time lapse and slo-mo both present
and correct. Apple still hasnt fixed the most annoying part of the camera (sliding the finger up and down to change
the exposure as the only way of altering the photo, which is basic and actually quite hard to do). The new Live Photo
option, which takes a 1.5 second photo either side of the shot, feels more like a gimmick than a really useful option.
You have to remember to activate it, but its really impressive that it doesnt seem to affect the shutter speed - it
should take a while either side, but it buffers while youre taking the picture. Itll be more of a remembered delight
rather than something you aim to do with your pictures.

Apples A9 chipset and upgraded RAM

As per usual, Apples thrown in an upgraded chipset in the shape of the A9, and as expected it brings with it a number
of changes. The battery will last longer, the phone will run faster and the gaming experience will, once again, be
better than anything weve ever seen. Its a 64-bit architecture, which means some efficiency when opening and
closing apps (although their size is larger and therefore take up more space on the phone, which makes Apples
decision to keep the 16GB variant of the phone all the more infuriating). That 64-bit system still cant be used
properly as we dont have the necessary 4GB of RAM needed to make use of it. Word is, it has another 1GB of RAM
from last year, with 2GB now powering things nicely under the hood and creating a decent snap under the finger -
along with making games and apps run that much more smoothly at the same time. It might not seem like much of
an upgrade, but I bet it blitzes the iPhone 6 (and especially the iPhone 5S) in the speed tests. Apples not said
anything about the RAM under the hood, which means its either the same 1GB from before (likely) or its just keeping
with tradition and not mentioning the RAM - in the same way it doesnt publish the clockspeed of its chipset - as side
by side its not in the same league as the big Android phone on the market.

Early verdict
This is actually the most impressive S variant of an iPhone ever launched and iPhone 5S users are surely going to
flock towards. Only Apple has the ability to get away with releasing the same phone visually - no other brand could
get away with such a thing - its the fourth time its done it and people really like buying it. If it were to have a new
frame, then this would be a brilliant new phone without exception. The new 3D Touch, upgraded camera and
improved speeds really offer tangible benefits, and combined with a solid upgrade to iOS 9 and the impressive
build, Apples made a very decent phone. If youve got an iPhone 6 already, theres little point to buying this for a few
updates. For anyone on an older model, or thinking of defecting from Android, then this worth is checking out -
especially now its getting price matched to other flagship phones on the market.
Our Verdict

Book Review Two Years Eight Months And Twenty-Eight Nights by Salman Rushdie
Genre fiction has always been poking around the mainstream, but now more than ever
its enjoying unprecedented success. Sci-fi and historical fiction, fantasy and bawdy
romance, superheroes and dragons, are an integral part of the mainstream media diet,
be it in literature, television, or film. Perhaps its no surprise that fantasy and sci-fi are
enjoying widespread appeal. After all, most can relate to the way those genres explore
class division, oppression, economic and moral collapse, and the constant fight
between good and evil. Such themes feel particularly relevant and urgent in 2015, and
the best fantasy and sci-fi writing isnt an outlandish exploration of the future or some
magical past, but a insightful examination of our current culture.

Salman Rushdies latest novel, Two Years Eight Months And Twenty-Eight Nights, is a
fantasy fable, or at least its evocation of magic, colliding worlds, and sprawling timelines
suggest that it is. Two Years largely tells the story of a jinn named Dunia. The jinn or
jinni are creatures made of smokeless firewhich is Rushdies way of using flashy
rhetoric to overcome the lack of mythology built into the storyand Dunia is one of
their princesses. In the 12th century she falls in love with a human philosopher named Averroes, also known as
IbnRushd (wink wink), and produces multiple jinni children. Those children, the Duniazt, disperse across the Earth
and eventually lose touch with their roots and propensity for the supernatural. Much later, in contemporary New
York, a great storm leaves many people with unexplained powers. Theres Mr. Geronimo, whose feet no longer touch
the ground, and a baby nicknamed Storm Doe who ends up on the steps of City Hall and can sense which city officials

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 are corrupt.

The line that separates the human world from that of the jinni is split open during the Storm, and a battle thats been
brewing since Dunias time is once again renewed. Its a fine if unnecessarily elaborate setup, but the inventiveness
stops there. Its not so much that the tale is familiar and contrived, despite pulling from more Eastern influences, but
that the prose and storytelling conflates detail with depth. Two Years is a wordy novel, and the result is not an
elaborate text of interweaving stories and a rich tapestry of mythology, but rather a paint-by-numbers approach to
world building. When Rushdie details the dark forces that Dunia and her cross-generational brood must go up
againstZumurrud, Zabardast, Shining Ruby, and Raim Blood-Drinkerthe long-winded descriptions are often
silly, and always frustratingly forgettable. Essentially, Two Years thinks that the allure of fantasy fiction is the
lengthy descriptions of attire, families, worlds, and philosophies. While thats certainly part of the appeal, what
grounds the elements of magical realism is the humanity at its core, and its a lack of humanity that makes Two Years
feel so uninspired. Mr. Geronimo, like every other character in the novel, is defined by his new supernatural
abilities and nothing else. The novel is filled with such glib, shallow characterizations.

More than just a mess of tired genre tropes and self-satisfied prose, Two Years ultimately fails because its fashioned
as a fable but is unsure of its overarching lesson and never truly identifies the object of its scorn. Two Years touches
on a number of interesting themes, from the tension between religion and rationalism, to issues of immigration,
globalization, and the way in which capitalism runs contrary to the needs of the planet. Such themes are hastily
explored, though. Rushdies inability to craft a compelling and perceptive underlying theme is indicative of the
thematic and emotional emptiness of the novel as a whole.
Our Verdict

Latest Apps IRCTC Connect

Category: Travel
Developer: Indian Railway Catering and Tourism Corporation Limited

Rail ticketing now made simpler just by SWIPE and SHUFFLE,

SELECT and BOOK. Install the newly launched IRCTC Android,
Windows or iOS app and book a railway ticket anywhere in
India at your fingertips.

Features:
- One step login to existing users
- Search and Book train tickets
- View and Cancel tickets
- Retains recently added passenger details
- New Users, register from App directly
- Upcoming Journey Alerts

Booking online railway reservation tickets is one such activity that a common man cant avoid and at the same time
has been frustrated with the service IRCTC has provided in the past. Fortunately, things have improved from the last
meme depicting the wrath of a common man booking a ticket online. IRCTC has launched a mobile app for booking
tickets. First it launched the Windows version, then Android and finally iOS. Once the download is done, you get the
login screen of the app, developed by BroadVision. Ifyou have an IRCTC account,login will happen in a flash of a
second; else you can click on Register to create a new account. Once you are in the app, you come to the below screen
New Booking. I tried booking an online ticket via the General quota around 12:30 PM today and the execution
wasnt disappointing at all. Once you select the required details, on hitting the nice big pink color search button, the
app pulls out the desired list of train details under the feature Train List.

Train List feature also showcases features like Route Map and Fare Breakup for a particular train.Select the train
and check the availability; tap on if you like the choice and you are taken to the Add Passenger. First time the app
requires all the details, next time it remembers the user choice while uploading passenger details. Hit the Book
button to proceed further for payment options. Payment, the last leg of booking the ticket, also gives you a smooth
experience. Enter the captcha details and hit make payment. Once you do that you are on the Payment screen with

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 Credit, Debit Card and Net Banking payment options. The below screen grab gives a quick look of the payment feature.
Thats pretty much what the mobile app is all about and in fact that is what we majorly do on the IRCTC portal too.
Tap on the extreme left corner next to the logo and you get some more useful details of your activities. The App also
gives you other useful information like PNR Status, Fare Enquiry, Seat Map, Train Schedule/Route, Seat Availability,
Live Train Status, Live Station Info and Feedback./Rating.

Should you download the app?

Yes! The IRCTC Connect App should be on your mobile not only because it solves a big purpose but also because of
the neat and smooth experience it provides. The app had no glitches so far and I could perform the main operation
Booking a ticket without much of a hassle. While it is a government app, there hasnt been any problem in the
features and full marks on the design and user experience. Quite a relief to see such an app innovation from IRCTC
which has always been the butt of jokes on the internet. The only shortcoming is that you cannot book a ticket from
8 am to 12 noon on the mobile app.

Our Verdict :

Hopeless
Poor
Average
Very Good `
Excellent

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 Answer of Crossword

1L A Y I N G 2E
3H O M
4M 5C O N S C I O U S I
O M S N
R 6C O N S C I E N C 7E E
A 8P G M N
9H 10 11
L O S E R I M M I N E N T
O R A G
12 M 13 14
M S Y M P A T H Y P R E C 15E D E
O O O H A M
16 17 P
P E R S O N A L D E S S E R T
H A N E A
O L E T
E 18 19 N G 20
N L Y I P H
E M 21
H A R D Y
22 23
F O R M A L L Y B E O
I A A C
G 24 R E
B I Z A R
25 E
D E S E R T A T
A A Y D

T R
26
F O R M E L Y

Solution of Sudoku

3 7 5 2 8 4 1 6 9
9 1 8 7 3 6 4 2 5
2 6 4 5 1 9 3 8 7
6 4 9 1 5 8 7 3 2
7 8 2 6 9 3 5 1 4
5 3 1 4 7 2 8 9 6
8 5 6 3 2 7 9 4 1
4 9 7 8 6 1 2 5 3
1 2 3 9 4 5 6 7 8

69
 Answer of Current Affairs Quotient

Answers
1. d 2. a 3. d 4. b 5. a 6. c 7. b 8. a 9. a 10. c

11. c 12. b 13.c 14. a 15. d 16. c 17. a 18. c 19. c 20. d

21. c 22. a 23. d 24. b 25. a 26. c 27. a 28. b 29. b 30. d

31. a 32. a 33. d 34. c 35. a 36. c 37. a 38. c 39. d 40. a

41. c 42. a 43. d 44. a 45. b 46. d 47. a 48. b 49. c 50. c

51. a 52. d 53. b 54. a 55. a 56. b 57. b 58. b 59. b 60. d

61. a 62. c 63. b 64. c 65. d 66. a 67. b 68. a 69. b 70. a

71. c 72. d 73. c 74. b 75. a 76. c 77. a 78. c 79. d 80. c

81. b 82. d 83. a 84. a 85. c 86. c 87. c 88. a 89. d 90. a

91. d 92. c 93. a 94. b 95. d 96. c 97. b 98. c 99. d 100. d

Answer of LIC Model AAO Paper

Answers
1. 2 2. 1 3. 1 4. 3 5. 4 6. 1 7. 1 8. 4 9. 4 10. 2
11. 3 12. 1 13. 3 14. 2 15. 4 16. 2 17. 4 18. 2 19. 3 20. 2

21. 4 22. 3 23. 3 24. 1 25. 2 26. 4 27. 3 28. 4 29. 2 30. 2

31. 3 32. 3 33. 3 34. 4 35. 2 36. 1 37. 2 38. 1 39. 4 40. 3

41. 3 42. 2 43. 4 44. 1 45. 3 46. 4 47. 3 48. 2 49. 1 50. 4

51. 3 52. 1 53. 4 54. 3 55. 1 56. 1 57. 4 58. 2 59. 3 60. 3

61. 1 62. 1 63. 2 64. 1 65. 2 66. 2 67. 2 68. 2 69. 2 70. 2

71. 4 72. 3 73. 4 74. 2 75. 2 76. 4 77. 2 78. 2 79. 4 80. 1

81. 2 82. 3 83. 2 84. 4 85. 3 86. 3 87. 3 88. 2 89. 1 90. 4

70
 Answer of GK Paper of the month

Answers

1 B 2 D 3 C 4 D 5 B 6 D 7 A 8 D 9 C 10 C
11 B 12 B 13 A 14 C 15 C 16 A 17 D 18 D 19 C 20 A
21 A 22 A 23 B 24 C 25 A 26 B 27 A 28 A 29 B 30 B
31 C 32 A 33 D 34 B 35 A 36 C 37 A 38 B 39 C 40 C
41 C 42 B 43 B 44 C 45 D 46 D 47 C 48 B 49 C 50 A
51 C 52 D 53 A 54 B 55 C 56 D 57 C 58 D 59 A 60 D
61 C 62 B 63 D 64 C 65 A 66 A 67 B 68 C 69 C 70 D
71 B 72 B 73 D 74 B 75 B 76 D 77 B 78 D 79 D 80 B
81 B 82 B 83 A 84 B 85 A 86 B 87 B 88 C 89 D 90 C
91 B 92 D 93 C 94 C 95 C 96 D 97 D 98 C 99 D 100 B
101 A

71