Q.1-10. Read the following passage carefully and answer the questions given below it. Certain words are
given in bold to help you locate them while answering some of the questions.
A variety of reasons have been put forward from time to time for the sharp increase in the
value of restructured and non-performing loans of Indian banks over the last couple of years. These
range from the holding up of clearances to the slowing economy. If a completed power project is
not able to get coal supplies due to Coal India not getting environmental clearances, this ensures
the loans given to the power projects turn NPA. Similarly, at a time when slowing demand, both
locally as well as overseas, is straining the top line and bottom line, it becomes difficult for firms
to service bank loans that, over a period of time, turn NPA. To that extent, any turnaround in the
economy’s fortunes is expected to slow down the growth in NPAs; faster clearances of projects
by the Cabinet Committee on Investments (CCI) will also have the same impact. Were the
government to take certain policy decisions, such as on coal price-pooling, this will also help—in
this case, power projects that cannot sell their power as it is too expensive will get welcome relief.
The problem, however, is that the debt-recovery process isn’t getting better either. Indeed, it
could be getting worse, going by data presented in the latest report of the standing committee on
finance. The bulk of loan recovery cases, for instance, are now going through the Sarfaesi route
since the new law was supposed to be dramatically faster when it came to recovering loans—from
46% in FY10, nearly 60% of all loan recovery cases (by way of the amounts involved) went through
this route in FY12. Debt recovery tribunals were also presented as a fast way to recover loans and
the value of cases going through this route rose from 31% of all cases in FY10 to 39% in FY12.
Yet, the recovery rates have plunged, especially in the case of the debt recovery tribunals, from
32% in FY10 to 17% in FY12. In the Sarfaesi case, the value of recoveries were just 30% of all the
cases referred (in terms of value) in FY10 and this fell to 29% in FY12. Given that NPAs and
restructured loans have risen to around 12% of all bank loans today, fixing this is something the
government needs to give serious thought to.
Q.1. Which of the following is one of the reasons for increase in the value of non-performing assets of
Indian banks?
(1) Slowing demand
(2) Apathy of government in taking decisions on faster clearances of some policies.
(3) Holding up of clearances
(4) Poor debt giving process
(5) Not mentioned in the passage.
Q.2. What will be the impact of faster clearances of projects by the Cabinet Committee on Investments
(CCI)?
(1) Power projects will get some relief
(2) It will become difficult for firms to repay bank loans.
(3) The bulk of loans would turn to NPA.
(4) It is expected that there would be a slow down in the growth of NPA.
(5) All of the above
Q.3. What does the latest report of the standing committee on finance project about NPAs ?
(A) Most of the cases of loan recovery are going through the Sarfaesi Act.
(B) Debt recovery tribunals have lowered NPAs from 32% to 17%.
(C) The Debt recovery process can get worse as per the data presented in the latest report.
(1) Only B (2) Only A (3) Only B and C
(4) Only A and B (5) Only C
Q.4. Which of the following is TRUE in context of the passage?
(A) The value of debt-recovery cases going through debt recovery tribunals rose to 39% in the
Financial year 2012
(B) The recovery rates of loans through Debt recovery tribunals fell to 17% in FY12.
(C) The value of recoveries of all debt recovery cases dealt under the Sarfaesi Act fell by 1% in
1
FY12.
(1) Only A (2) Only C (3) Only B
(4) All A,B,C (5) None of these
Q.5. Which of the following is NOT TRUE in context of the passage?
(A) There has been a sharp increase in the value of restructured and non-performing loans of
Indian banks last year (2012).
(B) The value of debt-recovery cases going through debts recovery tribunal rose 8% from FY
2010-2012.
(C) The NPAs and restructured loans have risen to around 12% of all bank loans in the present
time.
(1) Only A (2) Only C (3) A and C (4) B and C (5) Only B
Q.6. Choose the word which is most nearly the SAME in meaning as the word printed in bold as used
in the passage.
Plunged
(1) ascended (2) rose (3) descended (4) fallen (5) tumble
Q.7. Choose the word which is most nearly the OPPOSITE in meaning as the word printed in bold as
used in the passage.
Holding up
(1) hinder (2) continuing (3) pause (4) interrupt (5) forward.
Q.8-10. Read each sentence to find out whether there is any grammatical error in it. The error, if any, will
be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer
is (5) i.e., ‘No error’. (Ignore errors of punctuations, if any).
Q.8. Etihad has given a commitment of $ 600 million (1)/ of low interest loans to Jet Airways (2)/ from
its bankers, whom will help reducing (3)/ the existing high debt on Jet's books (4)/ No error (5)
Q.9. The deal will allow us (1)/ to compete more efficient in (2)/ one of the largest markets (3)/ in the
world (4)/ No error (5)
Q.10. Indian investors especially that in (1)/ private equity are in two minds (2)/ over the segregation with
some supporting it (3)/ and others asking for further clarifications (4)/ No error (5)
Q.11-13. The following questions consists of a single sentence with one blank only.You are given six
words denoted by A, B, C, D, E and F as answer choices, from the six choices you have to pick
two correct answers, either of which will make the sentence meaningfully complete.
Q.11. To ------------ its business in Latin America, ONGC Videsh has signed an agreement with Petro
Amazon to take up exploration activities in the country.
(A) spread (B) accumulate (C) expand (D) multiply (E) augment (F) disperse
(1) B and D (2) A and E (3) F and B (4) D and E (5) A and C
Q.12. I wish to know which exemption or deduction found in the Income Tax Act has been ------------ in
DTC.
(A) withdrawn (B) mentioned (C) extroverted (D) permitted (E) abjured (F) inattentive
(1) D and C (2) A and F (3) A and E (4) E and F (5) B and C
Q.13. The south-western monsoon is ------------ for Indian agriculture as only about 40% of the cultivable
area has irrigation cover.
(A) bathetic (B) crucial (C) secondary (D) important (E) minor (F) trivial
(1) A and B (2) B and C (3) C and D (4) B and D (5) D and F
Q.14-23.In the following passage there are blanks each of which has been numbered. These numbers are
printed below the passage and against each five words have been suggested, one of which fits
the blanks appropriately. Find out the appropriate word in each case.
The government has recently approved Rs. 1,000 crore as seed capital for a new bank called
Bhartiya Mahila Bank, which will be the first of the (14) women’s banks that Finance Minister P.
Chidambaram announced with much fanfare in his budget speech this year.
An only-for-women bank in these times and in this country — when we mourn everyday a new
crime against women and seethe in (15) each time at the sheer impotence of our response — is
hardly a cause to (16).
Women-only banks are another (17) of wanting to treat women ‘differently’. We guise this in
many forms, some in garbs of reverence, some as protection, but they are all forms of (18) that
promote gender-based stereotyping. W omen-only organizations stem from this eagerness to
patronize women in the name of (19) treatment.
An all-women bank is, at best, a symbolic move. Why do we need such a bank? Don’t women
2
(20) in other banks? Have women customers had problems collecting money from male tellers at
cash counters, or in handing over applications to male officers across the counter?
The main reason why millions of women (21) access to financial services in India is not because
banks are (22) by men or because women don’t get service from regular banks; it is because of
overwhelming illiteracy, inability to take part in documentation, inaccessible bank branches, and
because men still control the (23) in a family.
Q.14. (1) prohibitive (2) narrow (3) absolutely
(4) partial (5) exclusive
Q.15. (1) impatient (2) anger (3) passion
(4) outrageous (5) annoy
Q.16. (1) publicity (2) observe (3) dedicate
(4) celebrate (5) revere
Q.17. (1) instance (2) item (3) detail
(4) exemplify (5) illustrate
Q.18. (1) tolerance (2) hatred (3) discrimination
(4) unfair (5) equity
Q.19. (1) valuable (2) limited (3) complex
(4) favourite (5) preferential
Q.20. (1) transact (2) accomplish (3) carry
(4) execute (5) commence
Q.21. (1) dearth (2) deprive (3) necessitate
(4) lack (5) deplete
Q.22. (1) reinforced (2) thrashed (3) manned
(4) supported (5) qualified
Q.23. (1) worth (2) finances (3) affair
(4) resources (5) condition
Q.24-28.Rearrange the following sentences (A),(B),(C), (D),(E),(F) and (G) in the proper sequence to form
a meaningful paragraph, then answer the questions given below them.
(A) Of the everyday activities of countless Indians who talk, post, upload or tweet what they see,
hear, sense or think.
(B) Is to try to circumscribe and limit the fundamental right to freedom of speech and expression.
(C) Any attempt to prescribe licenses and qualifications for journalists will necessarily end up
limiting what ordinary citizens can do
(D) What distinguishes journalists employed by a news organization and private individuals
taking advantage of social media
(E) To propose licenses, qualifications and common entrance examinations for journalists, as
Information and Broadcasting Minister did a few days ago
(F) Dissemination of information might be the business of some news organizations, but it is
also an essential part
(G) And personal communication channels to disseminate information is not the nature of their
work, but the public standing and credibility that they command.
Q.24. Which of the following would be the SIXTH statement after rearrangement?
(1) D (2) E (3) B (4) C (5) G
Q.25. Which of the following would be the LAST statement after rearrangement?
(1) C (2) G (3) A (4) E (5) B
Q.26. Which of the following would be the FIRST statement after rearrangement?
(1) A (2) D (3) F (4) C (5) E
Q.27. Which of the following would be the THIRD statement after rearrangement?
(1) G (2) F (3) E (4) A (5) B
Q.28. Which of the following would be the FIFTH statement after rearrangement?
(1) C (2) A (3) F (4) D (5) E
Q.29-30.Which of the Phrases (1), (2) (3) and (4) given below each sentence should replace the phrases
printed in bold in the sentence to make it grammatically correct. If the sentence is correct as it is
given and no correction is required, mark (5) as the answer.
Q.29. Police found the clothes in the almirah ransacked but the cash and gold ornament were intact
(1) ornaments was intact (2) ornaments were intact
(3) intact ornaments were (4) ornamental were intact
3
(5) No correction required
Q.30. None of the officials, who have been made in-charge of the area remain accessible on the hour
of power crisis.
(1) power crisis in the hour. (2) in the hour of powered crisis
(3) in the hour of power crisis (4) in hourly powered crisis
(5) No correction required
TEST-II
QUANTITATIVE APTITUDE
Q.31-35.What value will come in place of question mark (? ) in the questions given below?
(1) 27 (2) 36 (3) 26 (4) 30 (5) None of these
Q.34. (250 of 18% + 25% of 144) of ? = 54
(1)
2
3
(2)
3
2
(3)
4
9
(4)
1
3
(5) None of these
Q.35. 777 + 391 = ? × 16
(1) 71 (2) 73 (3) 75 (4) 77 (5) None of these
Q.36. 10 years ago, father’s age was 12 times the son’s age. After 10 years, father’s age will be twice
the son’s age. What is father’s present age?
(1) 35 years (2) 34 years (3) 36 years (4) 32 years (5) None of these
Q.37. A train is running at the average speed of 60 km/hr and covers a certain distance in 50 minutes,
what is the speed of train in order to cover the same distance in 40 minutes?
(1) 70 km/hr (2) 75 km/hr (3) 65 km/hr (4) 80 km/hr (5) None of these
Q.38. The population of a city is 57600. It is decreased by 4% every year then what was its population
2 years ago?
(1) 53084 (2) 58600 (3) 61500 (4) 62500 (5) None of these
Q.39. 8 men can do a work in 10 days. 4 men left after working for 3 days. In how many days remaining
men will complete that work?
(1) 12 days (2) 14 days (3) 15 days (4) 17 days (5) None of these
Q.40. The perimeter of a square is 50 cm. The area of a rectangle whose breadth is 10 cm is equal to
the area of a square. What is the length of the rectangle?
(1) 16.225 cm (2) 15.625 cm (3) 12.125 cm (4) 18.825 cm (5) None of these
4
Q.41. Two pipes A and B can fill a tank in 28 minutes and 42 minutes respectively. Another pipe can
empty that tank in 42 minutes. If all three are opened simultaneously, in what time tank will be
filled?
(1) 30 min. (2) 35 min. (3) 28 min. (4) 42 min. (5) None of these
Q.42. The average of 8 numbers is 21. If each number is multiplied by 8. what will be the average of new
group of numbers?
(1) 98 (2) 168 (3) 165 (4) 95 (5) None of these
Q.43. A 150 m long train crosses a 300 m long tunnel in 40.5 seconds. W hat is the speed of the train?
(1) 13.33 km/hr (2) 26.67 km/hr (3) 40 km/hr (4) 81 km/hr (5) None of these
1 2 5 11
, , ,
13
Q.44. Out of the fractions,
3 5 7 13
and
37
which is the greatest?
(1)
7
5 (2)
9
7 (3)
11
13 (4)
5
3 (5)
13
37
Q.45. What is the least number to be added to 5600 to make it perfect square?
(1) 25 (2) 5 (3) 1 (4) 6 (5) None of these
Q.46. A person spends 1/12 part of his income on entertainment, 1/8 part on books and ¾ part on food
and clothes. If his income is Rs. 16824 what is his remaining amount?
(1) Rs. 705 (2) Rs. 702 (3) Rs. 700 (4) Rs. 701 (5) None of these
Q.47.
12 1%
2
(1) 75 (2) 100 (3) 90 (4) 96 (5) None of these
Q.48. A shopkeeper brought 9 oranges at the rate of Rs. 15 and sold 10 oranges for Rs. 20. What is his
profit percent?
(1) 20% (2) 25% (3) 18% (4) 30% (5) None of these
Q.49. What is the average of following set of scores?
361,188,547,296,656,132,263
(1) 278 (2) 449 (3) 356 (4) 296 (5) None of these
Q.50. If (14)3 is subtracted from square of a number the answer so obtained is 1612. What is the
number?
(1) 62 (2) 66 (3) 68 (4) 71 (5) None of these
Q.51. If Rs. 172850 is equally distributed among 25 persons, how much amount will each person get?
(1) Rs. 8912.50 (2) Rs. 8642.50 (3) Rs. 7130 (4) Rs. 6914 (5) None of these
Q.52. The cost of 15 gm gold is Rs. 8250, 21 gm silver is Rs. 6825 and 26 gm of copper is Rs. 312.
What will be total cost of 26 gm gold, 24 gm silver and 52 gm copper?
(1) Rs. 22866 (2) Rs. 22724 (3) Rs. 20198 (4) Rs. 23250 (5) None of these
Q.53. In an examinatiion, it is required to get 370 marks. A student got 36% marks and failed by 37
marks. W hat is the maximum marks in the examination a student can get?
(1) 925 (2) 930 (3) 961 (4) Can't be determined
(5) None of these
5
Q.54. What will be simple interest on an amount of Rs. 7930 at the rate of 6 p.c.p.a. after 5 years?
(1) Rs. 2397 (2) Rs. 2879 (3) Rs. 2739 (4) Rs. 2379 (5) None of these
Q.55. In how many different ways can the letters of the work ‘DETERMINE’ be arranged?
(1) 90720 (2) 72576 (3) 60480 (4) 181440 (5) None of these
Q.56-60. What value will come in place of question mark (? ) in the number-series given below?
Q.56. 44 48 57 76 110 ?
(1) 172 (2) 174 (3) 184 (4) 164 (5) None of these
Q.57. 98 192 570 2840 19866 ?
(1) 258140 (2) 218504 (3) 281504 (4) 218540 (5) None of these
Q.58. 22 66 132 396 792 ?
(1) 4276 (2) 4236 (3) 2736 (4) 2376 (5) None of these
Q.59. 24 50 154 316 964 ?
(1) 1960 (2) 1970 (3) 1980 (4) 1990 (5) None of these
Q.60. 80 120 240 600 1800 ?
(1) 6400 (2) 6300 (3) 7200 (4) 4800 (5) None of these
Q.61-65.Read the following pie-char carefully and answer the questions given below.
Percentage of computer produced by different companies
Total number of computers = 5400
Compaq, 40%
SONY, 11%
IBM, 9%
HCL, 13%
Dell, 27%
Q.61. What is the number of IBM computer?
(1) 702 (2) 486 (3) 594 (4) 2160 (5) None of these
Q.62. What is the difference between the number of Compaq and HCL computers?
(1) 1232 (2) 1630 (3) 1550 (4) 1458 (5) None of these
Q.63. What is the respective ratio of number of Sony and HCL computer?
(1) 11:13 (2) 9:14 (3) 13:19 (4) 15:22 (5) None of these
6
Q.64. What is the average number of IBM and SONY computers?
(1) 525 (2) 510 (3) 540 (4) 545 (5) None of these
Q.65. What is the number of SONY computer?
(1) 494 (2) 514 (3) 490 (4) 500 (5) None of these
TEST-III
REASONING ABILITY
Q.66-70.In each of the following questions, assuming the given statements to be true, find which of the
two conclusions I and II given below is/are definitely true. Give answer -
(1) If only conclusion I is true. (2) If only conclusion II is true.
(3) If either conclusion I or II is true. (4) If neither conclusion I nor II is true.
(5) If both conclusions I and II are true.
Q.66-67.Statements : P > Q, Q < E, E> F, F> G, G > H, H > I
Q.66. Conclusions: I. E > I II. E < I
Q.67. Conclusions: I. Z > L II. L > Z
Q.68-70.Statements: Z > Y, Y > L, L > M, M< N, N < Q
Q.68. Conclusions: I. L = M II. M < L
Q.69. Conclusions: I. Y > M II. Y = M
Q.70. Conclusions: I. Z > Q II. Z< Q
Q.71-73.In each question given below Four statements are followed by two conclusions numbered I
and II. You have to take the four given statements to be true (even if they seem to be at variance
from the commonly known facts). Read the conclusions and decide which logically follows.Give
answer -
(1) If only conclusion I follows.
(2) If only conclusion II follows.
(3) If either conclusion I or II follows.
(4) If neither conclusion I nor II follows.
(5) If both conclusions I and II follow.
Q.71-72.Statements: Maximum copy are pen. Minimum pen are not pencil.
Some pencil are rubber. No rubber are sharpener.
Q.71. Conclusions: I. All rubber can never be sharpener.
II. All pen are not rubber.
Q.72. Statements: Some river are water. All water are sea.
No sea are boat. Some boat are land.
Conclusions: I. Some water can be boat.
II. All sea are river.
Q.73. Statements: Some mosquito are butterfly. Every butterfly are grasshopper.
Some grasshopper are batman. No batsman are honey-bee.
Conclusions: I. Maximum batman can never be honey bee.
II. Any grasshopper can be mousquito.
Q.74. Study the following information carefully and answer the question given below:
Stands for +
Stands for -
Stands for ×
Stands for ÷
Stands for =
Stands for >
Stands for <
Which one of the following expression is true?
Q.75-77.Study the following information carefully and answer the questions given below-
'123' means 'bright little boy'.
'145' means 'tall big boy'.
'637' means 'beautiful little flower'.
Q.75. What is the numerical coding of 'bright' ?
(1) 1 (2) 6 (3) 3 (4) 4 (5) None of these
Q.76. What is the numerical coding of 'tall'?
(1) 5 (2) 4 (3) 1 (4) 6 (5) Either I or 2
Q.77. What is the numerical coding of 'flower'?
(1) 6 (2) 7 (3) 4 (4) 3 (5) Either I or 2
Q.78-81.Study the following information carefully and answer the questions given below:
Six friends M,L,O,P,Q and R are sitting around a circle facing out-side the centre. Q is
second to the right of L and second to the left of O. R is not an immediate neighbour of O. M is
third to the right of Q and second to the left of R.
Q.78. Who is exactly in between R and M?
(1) L (2) Q (3) P (4) O (5) R
Q.79. Who is sitting opposite to R?
(1) O (2) Q (3) P (4) L (5) M
Q.80. Who is second to right of O?
(1) L (2) Q (3) R (4) P (5) None of these
Q.81. Who are immediate neighbours of Q?
(1) L,M (2) R,P (3) P,M (4) L,O (5) O,R
Q.82-86.Study the following informations carefully and answer the questions given below:
A,B,C,D,E and F are members of a club. There are two married couples in the group. A is the
brother of D's husband E. C is the president of 'All Indian Working Women's Association' and
wife of A. F is a sitarist and a bachelor. Four of them belong to the same family. B and F are
colleagues in the same organisation and both are males.
Q.82. How is F related to B?
(1) Brother (2) Nephew (3) Father (4) Data inadequate
(5) None of these
Q.83. Which of the following groups consists of members of same family?
(1) ABED (2) BCDE (3) ADEF (4) ACDE
(5) None of these
Q.84. How many unmarried male members are there in the group?
(1) One (2) Two (3) Three (4) Four (5) Can't be
determined
Q.85. How is C related to D?
(1) Mother (2) Daughter (3) Sister-in-law (4) Sister (5) None of these
Q.86. How is E related to C?
(1) Husband (2) Father (3) Brother (4) Brother - in- law
(5) None of these
Q.87. If the first and second letter of the word, "CORRESPONDENCE'' were interchanged as well as
the third and fourth letter, the fifth and the sixth, and so on then which of the following will be tenth
letter counting from the right?
(1) O (2) P (3) R (4) N (5) S
Q.88-92.Study the following information carefully and answer the questions given below.
Seven friends Seema, Sheetal, Shushma, Sneha, Swati, Shikha and Sherya are living in different
8
cities, Chennai, Delhi, Mumbai, Hyderabad, Kolkatta, Lucknow and Varanasi, but not necessarily
in the same order. They plays different games as football, hockey, cricket, base-ball tenis badminton
and lawn-tennis, but not necessarily in the same order.
Swati plays a hockey but does not lives in Kolkatta and Delhi, Shushma lives in Chennai
and she plays cricket, Sneha lives in Hyderabad and she plays football. Who lives in mumbai
she plays base-ball, Sheetal play tennis, they do not live in Lucknow and Varanasi, Sherya lives
in Lucknow and play Badminton. Shikha does not live in Mumbai. The one who lives in Delhi
plays lawn-tennis.
Q.88. Who lives in Kolkatta?
(1) Sherya (2) Sheetal (3) Sneha (4) Seema (5) Shikha
Q.89. Who plays lawn-tennis?
Q.93. X is 10th from left end and Y is 15th from right end. If total students are 20 then how many
student are sitting in between them?
(1) 4 (2) 5 (3) 2 (4) 3 (5) None of these
Q.94-98. The questions given below contain two statements giving certain data. You have to decide whether
the data given in the statements are sufficient for answering the question ? Mark answer-
(1) If statement I alone is sufficient but statement II alone is not sufficient.
(2) If statement II alone is sufficient but statement I alone is not sufficient.
(3) If each statement alone (either I or II) is sufficient.
(4) If statement I and II together are not sufficient.
(5) If both statements together are sufficient, but neither statement alone is sufficient.
Q.94. Ram, Rohan, Ravi, Shyam and Sohan. Who is the tallest among them?
I. Ram is as tall as Shyam.
II. Sohan is taller than Rohan
Q.95. Who is the mother of T?
I. P is the mother of Q and grand mother of T.
II. Q is the father of R who is sister of T who is daughter of L.
Q.96. What is the coding of 'girl'?
I. '8231' means 'she is clever girl'.
II. '3415' means 'girl is always right'.
Q.97. When Vibhav went to chennai?
I. Shivam remembers that he went after Tuesday and before Thursday.
II. Reeta remembers that he went before Monday and after Friday.
Q.98. Five friends A,B,C,D,E are sitting around the circle and are facing out side the centre. Who is
immediate to the left of E?
I. B is the second to the right of D and second to the left of C. Who is second to the left of E.
II. E is immediate to the left of B who is third to the left of D.
Q.99. (+) is the father of (–), (–) is the grand son of (×) and son of (÷) what is the relation between (+)
and (÷) ?
9
(1) (+) is the husband of ÷ (2) (÷) is the mother of (+) (3) (+) is the aunt of
(÷) (4) (+) is the cousin of (÷) (5) Can't be determined
Q.100. How many such pairs of letters are there in the word 'EDUCATIONAL' each of which has as
many letter between them in the word as in the English alphabetical series?
RBI has announced the recruitment for 134 GRADE B OFFICERS. The examination will be in two phases. The detailed advertisement will be published on 5th October.
Saturday, October 10, 2015
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Saturday, October 10, 2015
