IBPS Clerk 11-Dec-2011 NZ 1st

For the following questions answer them individually

Which of the following is not a Negotiable Instrument?

Which of the following Stock Exchanges in India has decided to launch “Carbon Index” so that investors can assess risk and opportunities associated with climate change?

Who among the following will represent India in 17th SAARC Summit held at Addu in Maldives in November 2011 ?

When a customer opens a Deposit account with the Bank, which one of the following is the status of the Bank?

Banking Ombudsman Scheme is applicable to the business of

Which of the following functions are not being performed by the Reserve Bank of India?

A bank is called as ‘Scheduled Bank’ when

Australian Government recently decided to sell Uranium to India. Uranium is used mainly for

Which of the following organizations/agencies has sought an emergency fund of ‘1000 erore from banks to tackle acute liquidity crisis, which is coming in the way to give loans to micro borrowers?

Distribution of insurance products and insurance policies by banks as corporate agents is known as

What does the letter ‘L’ denote in term ‘LAF’ as referred every now and then In relation to monetary policy of the RBI ?

What is the full form of ‘FINO', a term we see frequently in financial newspapers ?

Who among the followings has been appointed as a director on board of Bank of America the first non American on the board of the one of the largest financial institutions in the world?

When the rate of inflation increases

POSCO is in the process of establishing its plants in India. What does the letter ‘P’ denote in the name POSCO ?

Who amongst the following has become the Chief Minister of a State in India third time consecutively ?

Who among the following is one of the recipients of the Nobel Peace Prize-2011 ?

The Food Security Bill-2011 which is in the process of becoming an Act, divides the entire population of the country into two groups. Which of the following are these two groups?

RBI has recently deregulated the rates of interest to be provided by various Banks to their depositors/ customers with effect from 25.10.2011 on their accounts.

Which of the following is the main advantage of “ASBA" --- with the applicants for share allotment?

Which of the following is NOT a function of the Reserve Bank of India ?

With a view to facilitate payment of balance in the deposit account to the person named by the depositor without any hassles in the event of death of the account holder, the following facility was introduced for hank accounts in our country —

The ministry of Finance recently released a comprehensive paper on Govt. debt. Which of the following is/ are true about the same ?
(A) The paper presents the road map for general debt to be raised by the Govt. of India during the period of 20112015 which is the period of the awards of the 13th Finance commission
(B) As per the estimates, the target debt in the terminal year 2014- 15 will be low, than whatever recommended by the 13th Finance Commission.
(C) The paper has recommended that the Govt. should try to generate resources in such a way that it does not have to depend much on debt. The total debt should not be more than —3 rd of the total requirements.

‘Gorichaland Council’ which was recently in news is a body set up for administration of which of the following Districts?

Banks in our country normally publicise that additional interest rate is allowed on retail domestic term deposits of -

On which one of the following issues IMF has supported monetary policy of India?

When the loan is grunted for purchase of white goods it is called

Expand the term FRBM

The World Economic Outlook, report of IMF indicates that one of the below mentioned nation is expected to achieve highest per cent GDP growth rate in 2011. Which one of the following is that country ?

Which of the following organization/agencies has established a fund known as Investor Protection Fund ?

As per the recent press reports, use of credit cards in India has gone down. What is/are the main reason/s for the same?
(A) High interest rate charged by the card companies.
(B) Rise in fraudulent activities related to use of credit cards.
(C) Govt. policies which do not allow the launch of new credit cards by the banks.

Reverse Repo is a tool used by RBI to …….

Who amongst the following has asked banks to adopt ‘six step’ approach to prevent diversion of funds by the companies ‘?

Through which one of the following sources domestic funds are raised by
Companies ?
(A) IPO only.
(B) FPO only.
(C) Commercial papers.

Which one of the following was the reason owing to which Government wants Reserve Bank of India to tighten prudential norms for NBFCs ?

Expand the term ALM used in Banking/Finance sector ?

What are teaser loan rates charged by banks ?

On which one of the following subjects Pranab Sen Committee has submitted its recommendations to the Government of India?

Expand the term CCEA as used in administrative circles.

Which of the following is contained on chips connected to the system board and is aholding area for data instructions and information ? (processed data waiting to be output to secondary storage)

Mobile Commerce is best described as -

Video processors consist of…………. and……….. which store and process images.

What is the process of copying software programs from secondary storage media to the hard disk called ?

Connection or link to other documents or Web Pages that contain related information is called -

In the absence of parentheses, the order of operation is -

A(n)…………… program is one that is ready to run and does not need to he altered in any way.

Usually downloaded into folders that hold temporary Internet files, …………..are written to your computer’s hard disk by some of the Web sites you visit.

What is the easiest way to change the phrase, revenues, profits gross margin. To read revenues profits and gross margin ‘?

Your business has contracted with another company to have them host and run an application for your company over the Internet. The company providing this service to your business is called an —

……………….is a technique that is used to send more than one call over a single line.

The Search Companion can

Which of the following must be contained in a URL?

Which of the following information systems focuses on making manufacturing processes more efficient and of higher quality ?

This software allows the user to move from page to page on the Web by clicking on or selecting a hyperlink, or by typing in the address of the destination page

Executing more than one program concurrently by one user on one computer is known as -

Which of the following controls the manner of interaction between the user and the operating system?

Collecting personal information and effectively posing as another individual is known as the crime of —-

A program that converts a high-level language source file into a machine-language file is called a

The ………key and the …………key can be used in combination with other keys to perform shortcuts and special tasks.

What is a file ?

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 number of that part is the answer. If there is no error, the answer is e: i.e. ‘No Error’. (Ignore the errors of punctuation, if any).

I noticed (a)/ several reporters (b)/ hovering around (c)/ outside of the courtroom. (d) No Error’ (e)

My colleague had (a)/ a hard time juggling (b)/ the needs of her lamilv (c)/ with
the demands of her job. (d)/ No Error (e)

Despite all (a)/ the media hype, (b)/ I found the film as (c)/ very disappointing (d)/ No Error (e)

Given that (a)/ there was so less time. (b)/ I think the students have (c)/ done a
good job. (d)/ No Error (e)

The winner of (a) / the journalist of the year award was (b)/ not other than (c)/ the editor’s daughter. (d)/ No Error (e)

In each of the following sentences, an idiomatic expression or a proverb is highlighted. Select the alternative which best describes its use in the sentence.

Pick out the most effective word/words Irom the given word/s to fill in the blanks to make the sentence meaningfully corn. plete in the context 01 the sentence.

I told my friend that he could not catch a big fish ………….a small rod like the one he was carrying, but he insisted…………… trying.

In each question below, four words printed in bold type are given. These are numbered a:, b:, c: and d:. One of these words printed in bold may either be wrongly spelt or inappropriate in the context of the sentence. Find out the word that is inappropriate or wrongly spelt, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and propriate in the context of the sentence then mark e: i.e. ‘All Correct as your answer.

The results (a)/ of the survey (b)/ have been (c)/ very encouraging. (d)/ All Correct (e)

It mattered (a)/ a great deal (b)/ to the actress (c)/ what other people taught (d)/ of her. All Correct (e)

The young boy’s aggression (a)/ is actually a defence (b)/ mechanism (c)/ against rejection. (d)/ All Correct (e)

There are no easy solutions (a)/ to the problems (b)/ of nuclear (c)/ waste desposal. (d)/ All Correct(e)

The company (a)/ should divan (b)/ more resources (c)/ into research. (d)/All Correct (e)

Rearrange the following six sentences/ group of sentences (A), (B), (C). (D). (E) and (F) in the proper sequence to form a meaningful paragraph: then answer the questions given below them.

(A) Then Bankei said to his pupils. -It is my duty to teach him. 1 am going to keep him here even ii the rest of you leave.
(B) During one of these gaterning a pupil was caught stealing
(C) Whenever Bankei held his meditation classes, pupils from many parts of Japan would enroll in them.
(D) Listening to his master, a stream of tears rolled down the lace of the brother who had stolen. All desire to steal had thereafter vanished.
(E) As soon as Bankei had read the petition he called everyone before him. “You are wise brothers.- he told them. “You know what is right and what is wrong, but this poor brother does not even know right from wrong.”
(F) This angered the other pupils. who drew up a petition asking fur the dismissal of the thief, stating that otherwise they would all leave.

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 are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case,
A merchant was (26) a morning stroll by the seaside when he saw a man squatting on the beach and filling a cup with sand. The merchant watched the man as he (27) the contents of the cup on a large pile of sand beside him and filled the cup again. He continued to repeat this activity. The merchant was curious and so went up to him and asked him what he was doing.
“I am Bidhata (meaning Fate),” said the man. “I am measuring the food each man is to (28) today.” “Can you really do that ?” asked the merchant. “I (29) you to withhold my midday meal today!” “As you wish,” replied Bidhata. The merchant (30) a fish from the fish market across the road, took it home and gave it to his wife. Then he went to his place of work. In the afternoon he came home and sat down to eat. His wife (31) the cooked fish before him. “Fate has it that I won’t get my midday meal,” (32) the man. “But now who can stop me from eating this delicious fish ?” And he(33) out laughing. His wife thought he was laughing at the way the fish had been (34) and she began to scold him. The merchant got angry. lie got up and stunned out of the house. It was only when he cooled down that he realised the (35) of what had happened Fate had succeeded in withholding his share of food tbr that afternoon.

Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions.

Amrutananda was a well-known and rich landlord in his village. He and his wife were both cunning and extremely sly. They made a lot of money by cheating and ill-treating their labourers who worked in their fields. One day, a young man named Manikya came to Amrutananda. ask ing for work. Amrutananda was picas. antly surprised. No one ever wanted to work for him because of his reputation and here was someone wallking right into his house! Manikya’s next few words made him even happier. Manikya said, ‘1 will work for you for free. You need not pay me a salary, only give me a place to sleep, two sets of clothes and two meals a day.’ Amrutananda was filled with joy when he heard this and was about to agree. when Manikva added, ‘I have only one condition: I will tell you the truth always, but one day of the year I will lie to you.’
Amrutananda, who lied happily every day of the year. agreed to this odd condition. So Manikya joined him. He was a wonderful worker – hard – working and trustworthy. He was very honest and soon became Arnruta-nan da’s right hand man. A year went by. and because of Manikya’s hard work. Amrutananda had an excellent harvest. He and his wife Mandakini, decided to have a big feast to celebrate. They invited all their relatives and friends, who came from across the village and outside to participate in this celebration. Everyone was looking forward to the delicious feast being planned. On the morning of the feast, Amrutananda decided he would also give away some gifts to his relatives, just so that he could show-off. So he set off for the market in his cart. As soon as he was out of sight. Manikya went running to his mistress. Mandakini. He wept loudly and heat his chest. Then he tell on the floor sobbing, and announced, The master is dead.’ The cart overturned on the road. Our master has been flattened like a Chapatti” As soon as Amrutananda’s wife and relatives heard this, they started wailing. Manikva rushed out, saying he would bring hack the body, while everyone started pre• paring for the last rites.
Manikya now went running to his master and said “Master! Your wile is dead. My kind, loving mistress is dead. A cobra bit her and she fell to the ground, as blue as the spring sky.- Amrutananda was stunned. His be loved Mandakini. his partner in all his schemes, was dead! He couldn’t believe it. He rushed back home shouting her name. Mandakini was weeping loudly, Sitting in the courtyard. When she saw her husband run in, she stopped mid — wail. and Amrutananda too, stood openmouthed and speechless. Then they fell into each other’s arms, unable to believe their eyes.
At once they turned to Manikya, “What is the meaning of this. Manikya his master demanded in a stern voice. Manikya smiled. “Remember my condition, that I would Ile only once in a year? Well, I choose today. You *see what lies can do? They nearly destroyed your life. Now think about what happens to the people you lie to everyday. Saying this he walked out, leaving behind a stunned and ashamed landlord.

Why didn’t anyone want to work for Amrutananda ?

Why did Manikya volunteer to work for Amrutananda for free?

What was Manikya’s intention for lying to his master?
(A) He wanted to draw some attention to himself.
(B) He was jealous of his master.
(C) He wanted to cause trouble during the celebration.

What could be an appropriate moral to the story ?

Which of the following statements is false as inferred from the passage?

On what condition did Manikya agree to stay and work for Amrutananda ?

What important lesson did Amrutanpnda learn from Manikya ?

Why did Amrutananda and his wife, Mandakini, wish to have a celebration ?

Why was Amrutananda’s wife trying in the house?

Which of the following could be an appropriate title for the story ”

Choose the word which is most newly the SAME in meaning as the word printed in bold as used in the passage.

Choose the word which is most OPPOSITE in meaning of the word printed in bold as used in the passage.

For the following questions answer them individually

$$3\frac{3}{4} \div 2\frac{1}{2} \times 4\frac{1}{2} + 1\frac{3}{4}=?$$

If the total cost of four tube lights and three bulbs is Rs. 260 and the ratio between the cost of a tube light and a bulb is 5 : 2 respectively, what is the total cost of one tube light and six bulbs ‘?

Three-tenth of a number is equal to 36% of another number. If Ow sum of these two numbers is 88. then what is the value of the smaller number ?

The sum of the present ages of Ram, Shyam and Vijay is 72 years. Also the sum of present ages of Ram and Shyant is 42 years. What is the present Vijay ?

Sohan spends 23% of an amount of money on an insurance policy, 33% on food, 19% on children’s education and 16% on recreation. He deposits the remaining amount of Rs.504 in bank. How much total amount did he spend on food and insurance policy together ?

The difference between the circumferences of two circles is 132 cms. and the radius of smaller circle 14 cms. What is the radius of larger circle ?

In a test, minimum passing percentage for reserved and unreserved category is 40% and 54% respectively. A candidate from unreserved category secured 300 marks and failed by 24 marks. What are the minimum passing marks of reserved category in that test ?

What should come in place of question mark in the following series ?

For the following questions answer them individually

If a certain sum of money is distributed among 43 people. each one gets Rs. 221 and Rs. 83 is left. What is the total amount ?

Out of the fractions $$\frac{6}{11}, \frac{13}{23}, \frac{15}{29}, \frac{3}{7}, \frac{4}{13},$$ the third lowest fraction ?

The salary of an employee of a company increases every month by 4%. If his salary in August was Rs.6,300, what will be his approximate salary in month of October of the same year ?

The ratio of angles of a triangle is 3 : 5 : 7. What is the difterence between double the smallest angle and half of the largest angle ?

The ratio between the length and the breadth of a rectangle is 4 : 3 respectively. Also as perimeter is 112 cms. What is the area of a rectangle ?

What approximate value should come in place of the question mark (?) in the following questions ?

For the following questions answer them individually

Three men or eight boys can du a piece of work in 17 days. How many days will two men and six boys together take to finish the same work ?

The ratio between the present ages of Dheeraj and Raman is 2 : 3 respectively. Four years ago, the ratio between their ages was 5 : 8 respectively. What will be Dheeraj’s age after 7 years ?

Four of the following five are alike In a certain way and so form a group, Which is the one that does not belong to that group ?

Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ?

If ‘white’ means ‘black’; ‘black’ means ‘red’; ‘red’ means ‘blue’, ‘blue’ means ‘yellow’ and yellow means ‘grey’, then which of the following represents the colour of clear sky ?

How many such pairs of letters are there in the word STAPLER each of which has as many letters between them in the word as in the English alphabet ?

In a certain code MODEL is written as ‘513#2’ and DEAR is written as ‘3#%8’. How is LOAD written in that code ?

Town D is to the West of town M. Town R is to the South of town D. Town K is to the East of town R. Town K is towards which direction of town D ?

How many such digits are there in the number 5261983 each of which is as far away from the beginning of the number as when the digits are arranged in ascending order within the number ?

In each of the questions below are given three statements followed by two conclusions numbered 1 and II, You have to take the given statements to be true even if they seem to be a at variance from commonly known facts. Read all the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts.

a: if only Conclusion I follows.
b: if only Conclusion II follows.
c: if either Conclusion I or II follows.
d: if neither Conclusion I or II follows.
e: if both Conclusions I and II follow.

Statements :
All benches are cots.
No cot is lamp.
Some lamps are candles.
Conclusions :
I. Some cots are benches.
II: Some candles are cots.

Statements :
Some cats are dogs.
All dogs are goats.
All goats are walls.
Conclusions :
I. Some walls are dogs.
II. Some walls are cats.

Statements :
Some buildings are sofas.
Some sofas are benches.
Some benches are tables.
Conclusions :
I. Some tables are sofas.
II. No table is sofa.

Statements :
All rats are bats.
Some bats are desks.
All desks are chairs.
Conclusions :
I: Some desks are rats.
II. Some chairs are rats.

Statements :
Some roads are ponds.
All ponds are stores.
Some stores are bags.
Conclusions :
I. Some bags are ponds.
II. Some stores are roads.

Study the following information carefully and answer the questions given below :

P, Q, R, S, T and M are six students of a school, one each studies in Class 1-VI. Each of them has a favourite colour from red, black, blue, yellow, pink and green, not necessarily in the same order. Q likes black and does not study in Class IV or V. The one who studies in class IV does not like green. P studies in class II, M likes blue and does suidy in class IV. The one who likes ,t•Ilow studies in class VI. S likes pink itu I studies in class I. R does not study at class VI.

In the following questions, the symbols @, ©. $, % and * are used with the following meaning as illustrated below
‘P ©Q’ means ‘P is not greater than Q..
‘P % Q’ means ‘P is not smaller than Q’.
‘P * Q’ means ‘P is neither smaller than nor equal to Q’.
‘P @ Q’ means P is neither greater than nor equal to Q’.
‘P $ Q’ means ‘P is neither greater than nor smaller than Q’.
Now in each of the following questions assuming the given statements to be true, find which of the two conclusions I and II given below them is/ are definitely true ?
a: if only Conclusion 1 is true.
b: if only Conclusion II is true.
c: if either Conclusion I or II is true.
d: if neither Conclusion I nor II is true.
e: if both Conclusions I and li are true.

Statements : K @ V. V © N, N % F
Conclusions:
I. F @ V
II. K @ N

Statements :H © W, W $ M, M @ B
Conclusions:
I. B * H
II. M % H

Statements : D % B, B * T, T $ M
Conclusions :
I. T © D
II. M © D

Statements : M * T, T @ K, K @ N
Conclusions :
I. N * T
II. N * M

Statements : R $ J. J % D, D * F
Conclusions
I. D $ R
II. D @ R

In each question below is given a group of letters followed by four combinations of digits/symbols numbered a:, b:. c: and d:. You have to find out which of the combinations correctly represents the group of letters based on the following coding system and the conditions and mark the number of that combination as your answer. If none of the four combinations correctly represents the group of letters, give e: i.e. ‘None of these’ as the answer.Conditions :
(i) If the first letter is a consonant and the last letter is a vowel, their codes are to be interchanged.
(ii) If both the first and the last letters are vowels, both are to be coded as *.
(iii) If the first letter is a vowel and the last letter is a consonant, both are to be coded as the code for the consonant.

Study the following information carefully and answer the given questions :

A word and number arrangement machine when given an input line of words and
numbers rearranges them following a particular rule in each step. The following is
an illustration of input and rearrangement.
Input : base 35 or gone 62 49 87 ahead
Step 1 : 87 base 35 or gone 62 49 ahead
Step II : 87 ahead base 35 or gone 62 49
Step Ill : 87 ahead 62 base 35 or gone 49
Step IV : 87 ahead 62 base 49 35 or gone
Step V : 87 head 62 base 49 gone 35 or
and Step V is the last step of the rearrangement.
As per the rules followed in the above steps, find out in each of the following questions the appropriate step for the given input.

Input : how was your stay 56 25 36 64. Which of the following will be step VI ?

Step III of an input is : 91 car 85 14 27 few new house. Which of the following is definitely the input ?

Step II of an input is : 75 down 16 24 farm eager 62 sky. How many more steps will be required to complete the rearrangement ?

In each of the questions given below which one of the five answer figures on the right should come after the problem figures on the left, if the sequence were continued?

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