Tuesday, 15 May 2012

SBI Clerical Exams Special Model Paper – Marketing & Computers

An area of a computer that temporarily holds data waiting to be processed is __ ?





C, BASIC, COBOL, and Java are examples of __ languages ?





The term __ designates equipment that might be added to a computer system to enhance its functionality ?





SEBI is a _ ?





You use a(n) __ , such as a keyboard or mouse, to input information ?





In page preview mode ?





A set of computer programs that helps a computer monitor itself and function more efficiently isajan __ ?





RAM can be thought of as the __ for the computer's processor ?





Fiscal deficit takes place when _ ?





The instructions that tell a computer how to carry out the processing tasks are referred to as computer __ ?





To raise funds, bonds and securities are invested here _ ?





An email account includes a storage area, often called a(n)-





You Organize files by storing them in ___________ ?





Most Web sites have a main page, the , which acts as a doorway to the rest of the Web site pages ?





A __ is a microprocessor-based computing device ?





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question for a bank exam


1. -84 x 29 + 365 = ?
   
(1) 2436    
(2) 2801    
(3) 2801
(4) 2071    
(5) None of these

2. (21.69)2 - √324 =?
(1) 440.4615    
(2) 425.4561    
(3) 452.4561
(4) 442.4651    
(5) None ofthese


3. (800 ÷ 64) x (1296 ÷ 36) = ?

(1) 420    
(2) 460    
(3) 500
(4) 540    
(5) None of these

4. (42 x 229)÷(9261)1⁄3 =?

(1) 452    
(2) 448    
(3) 458
(4) 456    
(5) None of these

5. (35423 +7104 +41720)-(317 x 89)=?

(1) 28213    
(2) 84307    
(3) 50694
(4) 54096    
(5) None of these

6. (9% of 386) x (6.5% of 144) = ?

(1) 340.1664    
(2) 325.1664    
(3) 333.3333
(4) 328.0065    
(5) None of these

7 . 4+4.44+44.4+4.04+444=?
(1) 500.88    
(2) 577.2    
(3) 495.22
(4) 472.88    
(5) None of these

8. 3√? = (36x24)÷9

(1) 884736    
(2) 804036    
(3) 854734
(4) 814736    

(5) None of these

9. (43% of 2750)- (38% of 2990) = ?

(1) 49.3    
(2) 44.7    
(3) 43.6
(4) 46.3    
(5) None of these

Directions (Q. 10-13): What should come in place of question.mark (?) in the following number series?

10. 13 14 30 93 376 1885 ?

(1) 10818    
(2) 10316
(3) 11316
(4) 11318    
(5) None of these

11. 4 6 9 13.5 20.25 30.375.?

(1) 40.25    
(2) 45.5625    
(3) 42.7525
(4) 48.5625    
(5) None ofthese

12. 400  240  144  86.4  51. 84  31.1 04 ?

(1) 19.2466    
(2) 17.2244    
(3) 16.8824
(4) 18.6624    
(5) None of these

13. 9 4.5 4.5 6.75 13.5 33.75 ?

(1) 101.25    
(2) 103.75    
(3) 99.75
(4) 105.50    
(5) None of these

14. The profit earned after selling an article for Rs 625 is the same as the loss incurred after seIling the article for Rs 435. What is the cost price ofthe article?

(1) Rs 530    
(2) Rs 520    
(3) Rs 540
(4) Rs 550    
(5) None of these

15. A sum of Rs 817 is divided among A, Band C such that 'A' receives 25% more than 'B' and 'B' receives 25% less than 'C'. What is A's share in the amount?

(1) Rs228
(2) Rs247
(3) Rs285
(4) Rs 304    
(5) None of these

16. Ms Sujata invests 7% ie Rs 2170, of her monthly salary in mutual funds. Later she invests 18% of her monthly salary in recurring deposits. Also, she invests 6% of her salary on NSC's. What is the total annual amount in- vested by Ms Sujata? .
(1) Rs 1,25,320
(2) Rs 1,13,520    
(3) Rs,I,35,120
(4) Rs 1,15,320    
(5) None of these

17. What is 30% of 40% of 2/5 2500?
(1) 500    
(2) 400    
(3) 360
(4) 120    
(5) None of these

18. A, B, C and D are four consecutive even numbers respectively and their average is 65. What is the product of A and D?

(1) 3968    
(2) 4216    
(3) 4092
(4) 4352    
(5) None of these

19. The sum offive numbers is 555. The average of the first two numbers is 75 and the third number is liS. What is the average of the last two numbers?

(1) 145    
(2) 290    
(3) 265
(4) 150    
(5) None of these

20. A car covers the first 35 km of its journey in 45 minutes and the remaining 69 km in 75 minutes. What is the average speed of the car?

(1) 42 kmlhr    
(2) 50 km/hr    
(3) 52 kmlhr
(4) 60 km/hr    
(5) None of these

21. In how many different ways can the letters of the word 'PRIDE' be arranged?
   
(1) 60    
(2) 120    
(3) 15
(4) 360    
(5) None of these

22. The ages of Samir and Tanuj are in the ratio of 8 : 15 years respectively. After 9 years the ratio of their ages will be II : 18. What is the difference in years between their ages?


(1) 24 years
(2) 21 years.
(3) 20 years
(4)  33 years
(5)  None of these

Directions (Q. 23-27): What approximate value should come in place of the question mark (?) in the following questions?


23. 724.998+24.048+ 14.954=?    


(1) 8  
(2) 13  
(3) 2  
(4) 10  
(5) 16

24. (848.999+274.052)÷ 3.0054=?    


(1) 940  
(2) 836  
(3) 184  
(4)298  
(5)374

25.  3√184900 =?          
  
(1) 56  
(2) 44  
(3) 67  
(4) 33  
(5) 21

26. 18.5% of 425 + 16.2% of 388 =?    


(1) 141  
(2) 224  
(3) 116  
(4) 183  
(5) 215

27. 18.345 x 19.068 x ? = 11538.93375    


(1) 46    
(2) 61    
(3) 27    
(4) 33    
(5) 55


Directions (Q. 28-32): In the following number series only one number is wrong. Find out the wrong number. "

28. 529 841 961 1296 1681 1849 2209

(1) 1296        
(2) 841     
(3) 961
(4) 1681        
(5) None ofthese

29. 13   14  27  45  68  109   177
   
(1) 27        
(2) 109        
(3) 45
(4) 68        
(5) None of these

30. 14 22 34.5 55.5 87.25 13.875 209.125
   
(1) 55.5    
(2) 34.5    
(3) 135.875
(4) 87.25    
(5) None of these

31. 274 301 426 769 1498 2824 5026

(1) 301    
(2) 426    
(3) 79
(4) 2824    
(5) None of these

32. 4  28  160   990   6970   55832   502560

(1) 160    
(2) 990    
(3) 55832
(4) 6970    
(5) None of these

Directions (Q. 33-37): What s Would come in place of the question mark (?) in the following questions?

33. 89.4 x 412.8 x 648.1 =16?

(1) 41.8    
(2) 16.2    
(3) 18.4
(4) 25.6    
(5) None of these

34. 12% of 840 x 0.25% of 148 =?

(1) 37.296
(2) 101.17    
(3) 68.432
(4) 97.046.    
(5) None of these

35. A shopkeeper sells 200 metres of cloth for Rs 9,000 at a profit of Rs 5 per metre. What is the cost price of 1 metre of cloth?
(1) Rs45    
(2) Rs40    
(3) Rs35
(4) Rs30    
(5) None of these

36. the area of a circle is.1386 sq cm. What is the circumfer- ence of the circle?

(1) 142cm    
(2) 160cm    
(3) 130cm
(4) 132 cm    
(5) None of these

37. In a college a total number of 27 professors are appointed for all the faculties; viz Arts, Commerce and Science. If , equal number of professors are appointed for each of the faculties, how many professors are assigned to each faculty?

(1) 9    
(2) 12    
(3) 6
(4) 3    
(5) None of these     

38. Sridhar invests Rs 3,750 in shares, which is 25% of his monthly income. What is his monthly income?
(1) Rs 12,000    
(2) Rs 15,000    
(3) Rs 10,000
(4) Rs 16,000    
(5) None of these

39. Find the average of the following setof scores.

302, 152, 132, 122, 112
   
(1) 184        
(2) 165    
(3) 152
(4) 176        
(5) None of these

40. A bus covers a distance of 172 kms in 4 hours. What is the speed of the bus?
(1) 52km1hr    
(2) 47km1hr    
(3) 43km1hr
(4) 38 kmIhr    
(5) None of these

41. The total number of students in a school is 4800, out of which 60% are girls. What is the total number of boys in this school?

(1) 1920    
(2) 1934    
(3) 1980
(4) 1910    
(5) None of these

Directions (Q. 42-43): Each question below is followed by two statements A and B. You are to determine whether the data given in the statement is sufficient to answer the question. You should use the data and your knowledge of Mathematics to choose between the possible answers.

Give answer (1) if the statement A alone is sufficient to answer the question, but the statementit alone  not sufficient

Give answer 2) if the statement C alone is sufficien, to an we: the question, but the statement A alone is not sufficient.

Give answer 3) ifboth statements A and B together are needed to answer the question.

Give answer 4) if either the statementAalone or the statement B ,alone IS sufficient to-answer the question.

Give answer 5) if you cannot get the answer from the statements A and B together, but need even more data.

42. How many women can complete a piece of work in 15 days?

A . 12 women can complete the same piece of work in 20 days.
B. 10 men can complete rhe same piece of work in 12 days.

43. What is the rate of interest p.c.p.a. on an amount of Rs 12,000/- deposited in a bank?


A. The difference between the simple interest and the compound interest is Rs 172.80.
B. The simple interest for two years is Rs2,880.

Directions (Q. 44-48): What approximate value should come in place of question mark (?) in the following questions? (You are not expected to calculate the exact value.)
44. (4576+3286+5639)÷(712+415+212)=?

(1) 18    
(2) 22    
(3) 34
(4) 10    
(5) 46

45.  675.456+ 12.492 x 55.671 =?

(1) 971    
(2) 1071    
(3) 1171
(4) 1271
(5) 1371

46. (447.22) 2=?

(1) 200000    
(2) 210000    
(3) 220000
(4) 230000    
(5) 240000

47. 4374562 x 64 = ? x 7777
(1) 360    
(2) 3600    
(3) 36000
(4) 360000    
(5) 3600000

48. (872% of 659) ÷ 543 = ?

(1) 17    
(2) 11    
(3) 21  
(4) 27    
(5) 31

Directions (Q. 49-53): What should come in place of question mark (?) in the following number series?

49. 5 9 18 34 59 95 ?

(1) 272    
(2) 168    
(3) 116
(4) 148    
(5) 144

50. 1200 480 192 76.8 30.72 12.288 ?

(1) 4.9152    
(2) 5.8192    
(3) 6.7112
(4) 7.6132    
(5) 8.5172

51. 963 927 855 747 603 423  ?

(1) 209
(2) 208    
(3) 207
(4) 206    
(5) 205

52. 841 .961 1089 1225 1369 1521. ?

(1) 1581            
(2) 1681        
(3) 1781
(4) 1881            
(5) 1981

53. 18  20  44  138  560  2810 ?

(1) 16818        
(2) 16836        
(3) 16854
(4) 16872         
(5) 16890

Directions (Q. 54-58): What should come in place of question mark (?) in the following questions? 

54. 74+.12x0.75-6 =?
   
(1) 72    
(2) 67    
(3) 62
(4) 77    
(5) None of these

55. 8888 + 848 + 88 - ? = 7337 + 737

(1) 1750    
(2) 1650    
(3) 1550
(4) 1450    
(5) None of these

56. 515.15-15.51-1.51-5.11-1.11=?

(1) 491.91
(2) 419.91    
(3) 499.19
(4) 411.19    
(5) None of these

57. (?) 2 + (123) 2 = (246)  2 - (99)  2 - 2462

(1) 184    
(2) 186     
(3) 182
(4) 180    
(5) None of these

58. 414 x? x7=127512

(1) 36    
(2) 40    
(3) 44
(4) 48    
(5) None of these

59. [(84) 2 ÷28 x 12]÷24 =7 x ?

(1) 15    
(2) 17    
(3) 19
(4) 21    

(5) None of these
Directions (Q. 60-65): What approximate value should come in place of question mark (?) in the following questions? (You are not expected to calculate the exact value.


60. 561204 x 58 =? x 55555


(1) 606
(2) 646 
(3) 556
(4) 716 5)586

61. 459.008 + 3.0056 x 88.862 =?


(1) 738
(2) 725 
(3) 695
(4) 752
(5) 666

62. (444%of531)÷972 =? 


(1) 4.5
(2) 0.5 
(3) 2.5  
(4) 8.5 5)6.5

63. (9321 +5406+ 1001)÷(498+929+660)=?


(1) 13.5
(2) 4.5 
(3) 16.5
(4) 7.5
(5) 10.5

64. 9654 /21 +7638 / 44 =?
   
(1) 633    
(2) 600    
(3) 643
(4) 621    
(5) 598

65. (621.52)2=?


(1) 386300
(2) 379300
(3) 398300
(4) 365300
(5) 356300

Directions (Q. 66-70): What SilUUili come in place of question mark ('?) in the following number series ?


66. 444 467 513 582 674 789 ?


(1) 950 
(2) 904  
(3) 927
(4) 881 
(5) 973

67. 23 25 53 163 657 3291 ?


(1) 16461
(2) 13169  
(3) 9877
(4) 23045 
(5) 19753

68. 3 13 65 585 7605 129285 ?


(1) 2456415 
(2) 2235675  
(3) 2980565
(4) 2711985 
(5) 2197g45

69. 1 16 81 256 625 1296 ?


(1) 4096 
(2) 2401  
(3) 1764
(4) 3136 
(5) 6561

70. 12 12 18 45 180 1170 ?


(1) 12285 
(2) 10530  
(3) 11700
(4) 12870 
(5) 7605

Directions (Q.71-80): What should come in place of question mark(?) in the following questions?
71 .4+4.44+0.4+44.04+444=?


(1) 497.24 
(2) 487.66  
(3) 496.88
(4) 469.88 
(5) None of these

72. [(130)2÷ 25 x 15] ÷ 30 =?


(1) 352 
(2) 314  
(3) 326
(4) 338 
(5) None of these

73. 38+16x0.8=?


(1) 43.2 
(2) 50.8  
(3) 44.8
(4) 1.9 
(5) None of these

74. (?)2 +(65)2 = (160)2 -(90)2 -7191


(1) 75 
(2) 77  
(3) 79
(4) 81 
(5) None of these

75. 398 x ? x 7 = 47362


(1) 15 
(2) 13  
(3) 17
(4) 19 
(5) None of these

76. 1485x?=594


(1) 2/5
(2) 3/4
(3) 3/5
(4) 5/6
(5) None of these

77. 2116+692-?=1111


(1) 1667  
(2) 1677  
(3) 1687
(4) 1697  
(5) None of these

78. 6.896 + 3.753 - 2.005 + 1.004 =?


(1) 9.486  
(2) 9.648  
(3) 9.864
(4) 9.846  
(5) None of these


79. (6.5% of 375)-(0.85% of 230)=?


(1) 23.42  
(2) 24.24  
(3) 21.64
(4) 25.76  
(5) None of these

80. (13)54 x (13)-51 =.?


(1) 2197     .  
(2) 39  
(3) 169
(4) 130    
(5) None of these

81. 93. 2/7 x 5/6 x 3/8 x ? = 790

(1) 8848
(2) 8246
(3) 8484
(4) 8868
(5) None of these

82. 968 x 445 ÷ ?=17230.4
(1) 60 
(2) 40 
(3) 25 
(4) 35 
(5) None of these

83. (0.05 x 6.25) ÷ 2.5 =?

(1) 0.105
(2) 0.95
(3) 0.115
(4) 1.25 5)
(5) None of these

84. (41) 2 + (38) 2X (0.15) 2 =?

(1) 3125.0225    
(2) 1713.49
(3) 3125.15
(4) 59204.0225    
(5) None of these

85. In an election between two candidates, one got 72% of the total valid votes. 25% of the total votes are invalid. If the total votes are 8200, what is the number of valid votes the other person got?

(1) 1835    
(2) 1722
(3) 2050
(4) 4428    
(5) None of these

86. In how many different ways can the letters of the word 'WEDDING' be arranged?

(1) 5040    
(2) 2500
(3) 2520
(4) 5000    
(5) Noneofthese

87. Milind takes as much time in running 15 metres as a car takes in covering 40 metres. What will be the distance covered by Milind during the time the car covers 2 km?
   
(1) 1000 metres    
(2) 600 metres    
(3) 650 metres
(4) 750 metres    
(5) None of these

88. Four milkmen rented a pasture. A grazed 15 cows for 4 months, B grazed lQ cows for 2 months, C grazed 18 cows for 6  months, and D grazed 16 cows for 5 months. If A's share of rent is Rs 1,020, whatis C's share of rent?

(1) Rs 1,836    
(2) Rs 1,360    
(3) Rs816
(4) Cannot be determined
(5) None of these

Directions (Q. 89-92): Study the following data carefully and answer the questions given below. Out of 6500 students from the Arts wing of a college, 21 % of the total number of students have majored only in Psychology. 12% of the total number of students have majored only in English Literature, and 15% of the total number of students have majored only in Politics. 7% of the total number of students have majored only in Philosophy, and 10% of the total number of students have majored only in History. 8% of the total number of students have majored in both 'Psychology and Philosophy. 4% of the total number of students have majored in History as well as Politics, and 11 % of the total number of students have majored in English Literature as well as Politics. 9% of the total number of students have majored in Psychology and English Li .rature, and 3% of the total number of students have majored in History and Philosophy.

89.What is the ratio of the number of students majoring in Philosophy to the number of students majoring only in Psychology ?

(1) 4:5
(2) 5:6
(3) 6:7
(4) 7:8
(5) None of these

90. Students majoring in History are approximately what percent of the total number of students majoring in Politics?

(1) 48    
(2) 61    
(3) 52    
(4) 57    
(5) 45

91.How many students have majored only in Politics?

(1) 650
(2) 975    
(3) 780
(4) 455
(5) None of these

92. What is thetotal number of students majoring in English Literature?

(1) 780
(2) 1495
(3) 1300
(4) 2050
(5) None of these

93. Lowest number of students have majored in which subject?

(1) History    
(2) Philosophy    
(3) Politics
(4) English Literature     
(5) Psychology

94. 9654 /21 +7638 / 44 =?
  
(1) 633   
(2) 600     
(3) 643
(4) 621   
(5) 598

95. (4.36) 2 x 66.5 - 371 = ?

(1) 902     
(2) 893     
(3) 871
(4) 888     .
(5) 880

Directions (Q. 96-100): What approximate value should come in place ofthe question mark (?) in the following questions? (You are not expected to calculate the exact value.)
96. 3√7469 x√ 668 =?

(1) 300    
(2) 350    
(3) 505
(4) 425    
(5) 575

97. 2.5 x 0.08 ÷ (1.9)2 =?

(1) 1.5    
(2) 0.8    
(3) 0.010
(4) 0.06    
(5) 2.1

Directions (Q. 98-99): Each qu stion below is followed by two statements A and B. You are to determine whether the data given in the statement is sufficient to answer the question. You should use the data and your knowledge of Mathematics to choose between the possible answers.
Give answer I) if the statement A alone is sufficient to answer the question, but the Statement A alone is not sufficient
Give answer 2) if the statement C alone is sufficien, to an we: the question, but the statement A alone is not sufficient.
Give answer 3) ifboth statements A and B together are needed to answer the question. Give answer 4) if either the statement Aalone or the statement B alone IS sufficient to-answer the question. Give answer 5) if you cannot get the answer from the statements A and 8 together, but need even more data.

98. How many women can complete a piece of work in 15 days?


A. 12 women can comnlete the same piece of work in 20 days.
B. 10 men can complete rhe same piece of work in 12 days.

99.  What is the rate of interest p.c.p.a. on an amount of Rs 12,000/- deposited in a bank? 

A. The difference between the simple interest and the compound interest is Rs 172.80.
B. The simple interest for two years is Rs2,880.

100. In how many different ways can the letters of the word 'WEDDING' be arranged?


(1) 5040  
(2) 2500
(3) 2520
(4) 5000  
(5) None of these

Answer
1.
(4)
26.
(2)
51.
(2)
76.
(1)
2.
(3)
27.
(5)
52.
(4)
77.
(4)
3.
(5)
28.
(2)
53.
(4)
78.
(2)
4.
(3)
29.
(1)
54.
(1)
79.
(2)
5.
(5)
30.
(4)
55.
(1)
80.
(5)
6.
(2)
31.
(1)
56.
(3)
81.
(1)
7.
(2)
32.
(3)
57.
(3)
82.
(3)
8.
(1)
33.
(5)
58.
(3)
83.
(5)
9.
(1)
34.
(4)
59.
(5)
84.
(2)
10.
(4)
35.
(4)
60.
(5)
85.
(4)
11.
(3)
36.
(4)
61.
(5)
86.
(5)
12.
(2)
37.
(1)
62.
(2)
87.
(1)
13.
(4)
38.
(2)
63.
(3)
88.
(3)
14.
(1)
39.
(4)
64.
(4)
89.
(4)
15.
(1)
40.
(4)
65.
(1)
90.
(2)
16.
(3)
41.
(5
66.
(3)
91.
(5)
17.
(4)
42.
(3)
67.
(5)
92.
(1)
18.
(4)
43.
(5)
68.
(4)
93.
(3)
19.
(2)
44.
(3)
69.
(2)
94.
(5)
20.
(1)
45.
(1)
70.
(1)
95.
(4)
21.
(3)
46.
(2)
71.
(3)
96.
(1)
22.
(3)
47.
(4)
72.
(4)
97.
(1)
23.
(4)
48.
(5)
73.
(2)
98.
(3)
24.
(3)
49.
(1)
74.
(5)
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April 18th, 2012 | Comment|
1. As per a report, India received $2.21 billion in foreign direct investment in February 2012. Which among the following countries is the top source of FDI to India?
[A]Singapore
[B]Mauritius
[C]USA
[D]Japan
Mauritius
2. Recently we read in the newspapers that Central Bureau of Investigations (CBI) has been investigating some companies for alleged violations of provisions of FCRA, 2010. What is this FCRA 2010?
[A]Foreign Companies Regulation Act 2010
[B]Fiscal Control & Regulation Act 2010
[C]Foreign Commercial Representation Act 2010
[D]Foreign Contribution Regulation Act 2010
Foreign Contribution Regulation Act 2010
Show Answer
3. In India, the Foreign Exchange Reserves are kept in the custody of which among the following?
[A]Ministry of Finance
[B]EXIM Bank
[C]Reserve Bank of India
[D]Select Public Sector Banks
Reserve Bank of India
Show Answer
4. Which among the following country has started paying Indian Exporters in Indian Rupees, after an arrangement to that effect has been done by Government of India?
[A]Pakistan
[B]Iran
[C]Myanmar
[D]South Korea
Iran
India's exporters have begun receiving the first rupee payments from Iran, thus kicking off the mechanism to skirt Western sanctions from March 2012.
Show Answer
5. Many banks in India have gone for ISO 27001:2005 certification for compliance with which among the following?
[A]Best Customer Service
[B]Best Security Practices
[C]Excellent Financial strength
[D]Excellent Business Values
Best Security Practices
ISO/IEC 27001:2005 is for Information technology -- Security techniques -- Information security management systems -- Requirements
Show Answer
6. Which among the following data are released in India on monthly basis?
1. CPI
2. WPI
3. IIP
Choose the correct option:
[A]Only 1 & 3
[B]Only 2 & 3
[C]Only 1
[D]1,2 & 3
1,2 & 3
Show Answer
7. Republic of Tatarstan was recently making news as an Indian company has reportedly decided to invest in petrochemical or refining facility in the region. Which among the following statements is correct about Republic of Tatarstan?
[A]Its an independent Country in Central Asia
[B]It’s a foreign territory administered by UK
[C]It’s a federal subject of Russia
[D]It’s a sovereign country in Middle East
It’s a federal subject of Russia
Show Answer
8. Which of the following state Governments in India has recently launched the gram suraj abhiyan (village contact programme) to reach to the door of the people in the remote areas of the state?
[A]Rajasthan
[B]Madhya Pradesh
[C]Chhattisgarh
[D]Punjab
Chhattisgarh
Show Answer
9. Which among the following organization is largely funding the National Dairy Plan–Phase I ?
[A]International Development Association
[B]Asian Development Bank
[C]IBRD
[D]UNDP
International Development Association
The new central sector scheme, National Dairy Plan–Phase I (NDP-I) with an outlay of Rs 2,242 crore will be launched on April 19, 2012 at National Dairy Development Board, Anand by Sharad Pawar, union agriculture minister, government of India. Gujarat chief minister, Narendra Modi will remain present at the event. The plan is for six years and will be implemented in the 14 major milk producing states. The scheme will be largely financed with loan from the International Development Association of the World Bank and implemented by NDDB through end implementing agencies.
Show Answer
10. Which among the following is the short name of highest authority in India for Indirect Taxes?
[A]CBED
[B]CBDT
[C]CBEC
[D]CBIT
Central Board of Excise and Customs (CBEC)
Show Answer
11. Which among the following can not be called an ant inflationary measure?
[A]Raising the Bank Rates
[B]Raising the Reserve Ratio Requirements
[C]Purchase of securities in the Open Markets
[D]Rationing of the Credit
Purchase of securities in the Open Markets
The C is correct option. This is because Purchase of securities in the Open Markets would lead to more liquidity system and more liquidity means more money will chase the same goods.
Show Answer
12. If the Reserve Bank of India wants to increase the Cash Reserves commercial Banks, which among the following would be the most probable step taken by it ?
[A]Release Gold from its reserves
[B]Buy bonds in the open market
[C]Prohibit the transactions that involve bill of exchange
[D]Increase the tranche reserves with the IMF
Buy bonds in the open market
When RBI buys bonds in the open market, Banks get money and Cash Reserves would increase.
Show Answer
13. The Government of India has recently launched a “Youth to the Edge” pilot scheme in North East India for which among the following purposes?
[A]To encourage the youth of the North East India to take active participation in development programmes
[B]To provide laptops to the Youth of the North East India
[C]To introduce youth from rest of India to the North Eastern Culture
[D]To provide vocational education to the youth of North East
To introduce youth from rest of India to the North Eastern Culture
The Pilot Scheme aims to introduce youth from rest of India to the North Eastern Region (NER) and organise combined adventure activities along with the youth from NER. They will also be given exposure about local culture, traditions and life style. Conduct of adventure training will benefit the participants by inculcating spirit of adventure, environmental awareness, national integration, casualty evacuation, promotion of adventure tourism, channelizing youth energy in positive direction, sense of self employment and self recognition.
Show Answer
14. What is the approximate average fertilizer consumption in India per hectare of land?
[A]120 Kg
[B]140 Kg
[C]170 Kg
[D]200 Kg
140 Kg
With average fertilizer consumption at 144.14 kg per hectare India is using much less quantities of chemical fertilizers compared to other developing countries. But imbalanced use of chemical fertilizers coupled with low addition of organic matter and neglect of micro and secondary nutrients over the years has resulted in nutrient deficiency and deterioration of soil health in many parts of the country, particularly in the intensively cultivated Indo-Gangetic plains.
Show Answer
15. The new variety Rajarajan 1000 is of which among the following?
[A]Cotton
[B]Wheat
[C]Coffee
[D]Rice
Rice
Forty seven varieties of hybrid paddy have been developed and released/notified for cultivation in the country. System of Rice Intensification (SRI) is being promoted under National Food Security Mission - Rice for increasing the production and productivity of rice. SRI has been named as Rajarajan 1000 to commemorate 1000 years celebration of Tanjore Big Temple. SRI demonstrations under the scheme are being promoted for 0.4 ha each by providing the assistance of Rs.3000/- per demonstration. National Food Security Mission – Rice is being implemented in 144 districts of 16 States. (Ministry)
Show Answer
April 6th, 2012 | Comment|
Yes Bank gets $75-mn loan from IFC
  • The International Finance Corporation (IFC), a member of the World Bank Group, has decided to give $75 million loan to Yes Bank to help expand its network, reach out to small and medium enterprises (SMEs) and agricultural clients, and increase portfolio 3.5 times to $7.7 billion by 2016.
  • This investment will be in the form of a 15-year subordinated bond. It is expected to strengthen the bank's capital base significantly.
  • YES Bank is one of the few banks to provide direct microfinance services to villages, in line with IFC's financial inclusion strategy. According to IFC, nearly 80 per cent of India's population lack access to formal financial services and only 30,000 of India's 600,000 villages have a bank.
  • Micro, small and medium enterprises in India are constrained by lack of adequate management skills, modern technologies, industrial infrastructure and financial access.
  • IFC seeks to bridge the financing gap and enhance the capacity of the sector. This funding comes at a time when there is little international appetite for investment of this volume and tenor.
NABARD signs agreement with Uttarakhand to waive off weaver's loan
  • National Bank for Agriculture and Rural Development (Nabard) has entered into agreement with Uttarakhand Government to waive off loans to all weavers' loans up to Rs. 50,000.
  • The MOU has been signed between Nabard and the government of Uttarakhand for implementation of this package for revival and restructuring of handloom weavers' structure in the state.
Stuart Milne: New CEO of HSBC India
  • Hong Kong and Shanghai Banking Corporation (HSBC) has appointed Stuart Milne as chief executive officer for its India business.
  • Milne has replaced Stuart A Davis who is moving to a new position within the bank after a three-year stint in this role.
  • Prior to this appointment, Milne was the country manager of Japan since 2007. In that role he served as the president and chief executive officer of HSBC, chairman of HSBC Securities (Japan) and chairman of HSBC Global Asset Management (Japan) KK.
  •  
19 Banks consortium approves financial restructuring plan of Air India
  • The SBI led consortium of 19 banks has approved the financial restructuring plan of Air India recently. The financial restructuring plan includes debt restructuring of Rs 18,000 crore by the banks and a committed equity infusion by the government.
  • It would need Cabinet approval, which is expected in the mid of April 2012.
World Bank Group President Robert B Zoellick visits Chennai
  • World Bank Group president, Robert B Zoellick recently visited to the Chennai office of the Development Bank. The Chennai office provides corporate, financial, accounting, administrative and IT services to its operations around the globe.
  • Zoellick also visited the energy-efficient 'green' building, featuring carbon sensors, automated lighting, air-conditioning systems, and water recycling plants of the Chennai Office.
Knowledge Byte:
  • The 500 strong staff of World Bank office in Chennai works in a 128,000-square ft facility, which is the largest World bank-owned building outside of its Washington DC headquarters.
RBI to Conduct Open Market Operations
  • Reserve Bank of India has recently infused Rs. 10,000 crore via open market operations (OMOs) to ease the tight liquidity conditions.
  • Open Market Operations is a quantitative tool of monetary policy of the Reserve Bank of India which includes buying and selling of securities in the money market by the central bank.
  • RBI said that this step was consistent with the stance of monetary policy and was based on the current assessment of prevailing and evolving liquidity conditions. In the recently conducted OMO, RBI purchased four government securities, including the current 8.79 per cent 10-year benchmark government bonds maturing in 2021.
RBI Relaxes FDI Investment norms for Indians
  • RBI has recently announced a slew of revisions aimed at liberalising the norms for direct investment abroad by Indian residents. These include liberalisation in regulations on qualification shares, professional services rendered and ESOP (employee stock option plan) schemes.
April 6th, 2012 | Comment|
FM warns Irda for 'suicidal competition' among Insurance Companies
  • Recently, Irda (Insurance Regulatory and Development Authority) was asked by the Government to take steps to curb the menace of "suicidal competition" among insurance companies, which are undercutting one another by offering policies at low premium to grab a bigger market share.
  • FM said that the unhealthy competition among the insurance companies is impacting their account books.
  • Its worth note that Insurance companies in India are free to fix premium (it is called de-tariffing), and it has resulted in significant lowering of premiums for the consumers. The result is an adverse impact on the insurance company's balance sheet.
Knowledge Bytes
  • Investments by the insurance industry in infrastructure as on March 31, 2011, were Rs 1.98 lakh crore, of which 78 per cent has come from public sector insurers.
  • The insurance sector's penetration has improved over the years — to 5.1 per cent in 2010, from 2.71 per cent in 2001.
Bankers Ask the RBI to cut CRR
  • RBI's annual monetary policy review is scheduled on April 17, 2012. The Bankers have asked the Central Bank to go for a steep reduction in the cash reserve ratio (CRR) and the repo rate.
  • The Public Sector Banks have requested RBI to cut repo rate by 50 basis points and also demanded reduction in the cash reserve ratio to the extent of 75 basis points.
ICRA downgrades the UCO Bank Bonds
  • Rating agency ICRA has cut the rating for UCO Bank's lower Tier-II bonds from "AA+" to "AA". The reasons cited by the agency include deterioration in asset quality and weak solvency profile.
  • It's worth note that ICRA has already lowered the rating for Oriental Bank of Commerce's bonds for increase in non-performing assets. Global rating agency Moody's has also downgraded the rating for some instruments of Union Bank of India and Bank of India.
ICRA downgrades bonds of OBC
  • ICRA has also downgraded Oriental Bank of Commerce's bonds. The reasons cited are worsening asset quality and sustained pressure on profitability.
  • The rating agency has revised ratings outstanding on the Rs 1,000-crore lower Tier-II bond programmes of the lender from AAA (stable) to AA+ (stable).
NABARD's Gujarat support touches Rs 4340 crore
  • During the financial year 2011-12, Gujarat has received ` 4340 crore financial assistance from NABARD for supporting agriculture, rural development and rural infrastructure development. This is a 50% rise from Rs 2894 crore assistance in 2010-11.
  • The financial assistance included Rs 3270 crore refinance support to banks for expanding farm and non-farm sector loans, Rs 780 crore loan to Government of Gujarat under the Rural Infrastructure Development Fund [RIDF], Rs 205 crore direct finance to District Co-operative banks, Rs 69 crore support for developing warehouse/cold storages and Rs 16 crore loan for setting up two innovative solar power projects.
NABARD sanctions Rs 144.49 crore to Punjab under RIDF
  • Nabard has sanctioned Rs 144.49 crore to the Punjab government under Rural Infrastructure Development Fund for two projects.
  • The first project for "Construction of seven Rural Roads in six districts" of the state and the second project for "Eradication of Water-logging problem in Muktsar district" of the state.
April 6th, 2012 | Comment|
Fino to target North East
  • Financial Inclusion Network and Operations (Fino), a Mumbai-based financial inclusion facilitator, makes plans to tap the north-eastern region and help in achieving financial inclusion there.
  • Fino has tied up with four banks including State Bank of India (SBI), Axis Bank and ICICI Bank to tap this region. Fino has largest market in Andhra Pradesh, where it has presence across 620 blocks and 9,900 gram Panchayats.
SBI's Credit Targets 19-20%
  • India's largest lender State Bank of India (SBI) is aiming to post a credit growth of 19-20 per cent in the current financial year. The Chairman of SBI Pratip Chaudhari discloses that last year, the Credit Growth target was 18-20%, which was reduced to 16-19 per cent from an estimated projections of 19-22 per cent at the beginning of the year. Lowering of growth targets was mainly due to lack of demand from corporates owing to economic slowdown.
Indian Economy under tight liquidity situation
  • The economy of India seems to be under tight liquidity condition, as all macroeconomic indicators blinking red.
  • Currently, Inflation is not in RBI's comfort zone and the recently presented budget has proposed a fiscal consolidation plan, with under-priced subsidies.
  • Apart from that RBI's intervention in the foreign exchange market to support the rupee has resulted in a severe liquidity crunch, as reserve money creation has been slow. These all factors indicate that in near future RBI may not cut the policy rates.
No additional monetary stimulus- Federal Reserve
  • The United States Federal Reserve's Open Market Committee has recently voted against further stimulus on the ground that the US economy gradually improves.
  • So far two rounds of Fiscal stimulation have been carried out and third round was eminent till January 2012.
  • However, in these months there has been a turnaround in the tone and now it has been decided not to go with bond purchases to boost growth. The recent development has hammered US stocks, bonds and gold, while boosting the dollar.
India's Annual Credit Growth
  • The RBI has released the latest data of the Credit Growth in Indian Banking System. It says that in February and March, Banks added Rs 2.6 lakh crore, or a little more than a third of the financial year's total of Rs 6.6 lakh crore of loans.
  • As on March 23, annual credit growth stood at 16.98 per cent, above the central bank's revised projection of 16 per cent.
  • Its worth note that RBI has scaled down the year-end credit growth projection twice. The central bank had increased the repo rate by 175 basis points in April-October 2011 to tackle high inflation and inflationary expectations, and banks had responded by increasing lending rates. So, the demand for credit was hit during the initial part of financial year 2011-12.

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