Which of the following departments of the Government of India is helping banks in disbursement of rural credit by the banks?
SBI Clerk 06 Jan 2008
For the following questions answer them individually
Which of the following organisations/agencies has established a fund known as “Investor protection fund”?
. Who amongst the following is theHead of the RBI at present ?
Majority of rural people still prefer to go to which of the following for their credit needs?
India has different categories of commercial banks. Which of the following is NOT one such category?
Which of the following types of 11. Banks are allowed to operate foreign currency accounts?
(A) Foreign Banks
(B) Regional Rural Banks
(C) Nationalised Banks
Which of the following countries does not play international cricket?
The money which Govternment of India spends on the development of infrastructure in country comes from which of the following sources? (Pick up the correct statement)
(A) Loan form World Bank/ADB etc.
(B) Taxes collected from the people.
(C) Loan from the RBI.
The Securities and Exchange Board of India (SEBI) recently imposed a restriction on money flow in equity through ‘P-Notes’. What is the full from of ‘P-Notes’?
Who amongst the following was the Captain of the Indian Cricket Team who won the Twenty-20 World Cup 2007?
Many times we read in financial newspapers about ‘Fll’. What is the full form of FII?
Benazir Bhutto is associated with which of the following political parties?
One of the former Prime Ministers of which of the following countries was detained in house arrest for a short period after his/her return form a long exile?
Who amongst the following leaders from USA visited Israel and Palestinian West Bank so that a solution to the Israel and Palestinian problem can be worked out?
Justine Henin won the women s singles US Open Tennis championship 2007 after defeating—
As reported in papers the UN World Food Programmes stopped distributing food in Mogadishu town after its local head was abducted by the government soldiers of the country. Mogadishu is the capital town of —
The financial markets of which of the following countries were badly affected by sub prime crisis?
Which of the following countries in the world is the biggest consumer of gold?
Which of the following countries is NOT happy with the USA’s decision to award a Congressional Medal to Dalai Lama of Tibet?
Which of the following countries recently decided to launch a military action in Northern Iraq where many Kurdish PKK fighters are based and they are killing people from that county?
Manmohan Singh called George Bush to explain the difficulties he is having in implementing agreements related with which of the following with USA?
Which of the following countries is facing a problem of strike by the workers of the transport, electricity and gas companies as the present Govtemment of the country has decided to end the pension to these workers?
Who amongst the following is the Secretary General of UNO?
The “Orange Coalition Government” was formed once again in which of the following countries?
Which of the following countries in NOT elected by the UN General assembly on the non-permanent seats of the UN Security Council with effect from January 2008?
The Government of India put a ban on export of which of the following commodities at the price below the price of the same in domestic market ?
India launched which of the following Satellites in September 2007 ?
As per the recent agreement between India and one other country the Indian Rupee can be easily swapped with -
India won the ONGC Nehru Cup Football Tournament 2007 by beating -
Abdullah Gul’s name was in news recently as he has taken over the President of -
Hem Dutta who was honoured by the prestigious Rajiv Gandhi National Sadbhawana Award 2007 is a famous -
Who amongst the following is selected for Basava Award (200607) by the Karnataka Government ?
Asia Pacific Economic Cooperation Business Meet was organized in September 2007 in -
The World Athletics Championship 2007 was organized in -
Who amongst the following was the Captain of the Indian Hockey team who won Asia Cup 2007 held in Chennai ?
Which of the following is a public sector unit ?
India’s Foreign Exchange Reserve declined sharply in recent past. What was the main reason for the same ?
Shinzo Abe who was on a visit to India in recent past is (was) the-
Asafa Powell who created a new World Record in 100 metres race is a citizen of -
Who amongst the following got third position in long jump event of the Bayer International Athletics meet held in Germany in 2007 ?
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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.
A large majority of the poor in India are outside the formal banking system. The policy of financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every household or adult person may not be enough, unless these accounts and financial services offered to them are used by the account holders. At present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc. For the poor. interacting with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side.
Till now, banks were looking at these accounts from a purely credit perspective. Instead, they should look at this from the point of view of meeting the huge need of the poor for savings. Poor households want to save and, contrary to the common perception, do have the funds to save, but lack control. Informal mutual saving systems like the Rotating Savings and Credit Associations (ROSCAs), widespread in Africa, and ‘thrift and credit groups’ in India demonstrate that poor households save. For the poor household, which lack access to the formal insurance system and the credit system, savings provide a safety net and help them tide over crises. Savings can also keep them away from the clutches of moneylenders, make formal institutions more favourable to lending to them, encourage investment and make them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return.
Research shows the efficacy of informal institutions in increasing the savings of the small account holders. An MFI in the Philippines, which had existing account holders, was studied. They offered new products with ‘commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their right to withdraw any funds from their own accounts until they reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make the deposit. He could not dip into the savings even if he wanted to. These accounts did not pay extra money and were illiquid. Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater savings rates than those who did not. The policy of financial inclusion can be a success if financial inclusion focuses onboth saving needs and credit needs, having a diversified product portfolio for the poor but recognising that self-control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transaction costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically.
What is the aim of the financial inclusion policy ?
The author’s main objective in writing the passage is to…………..
Which of the following can be inferred about products with commitment features ?
(A) Demand for such products was high.
(B) They were an effective means of increasing the savings of small account holders.
(C) Such facilities can only be offered by informal institutions like MFIs.
Why do the poor not utilise banking services ?
(A) Informal institutions offer higher rates of interest than those in banks.
(B) Costs of reaching banks have to be borne by the poor.
(C) Bank personnel do not treat the poor respectfully because their savings amounts are minimal.
Which of the following is a recommendation made by the author regarding financial inclusion ?
Which of the following factors affects ‘savings’ behaviour among the poor?
(A) Threats from moneylenders if they avail of banking services.
(B) Documentation required before availing of banking services.
(C) Lack of self-control.
What do the results of the study conducted in the philippines indicate ?
Which of the following is True in the context of the passage ?
What is/are the outcome(s) of encouraging savings for the poor ?
(A) It frees them from the exploitation of moneylenders.
(B) Banks are more willing to disburse loans to those who save.
(C) They should invest in risky but high return ventures.
What was the view of banks regarding the bank accounts of the poor in the past ?
Choose the word which is most nearly the SAME in meaning to the word printed in bold as used in the passage.
Purely
Demonstrate
Remedy
Choose the word which is most OPPOSITE in the meaning of the word printed in bold as used in the passage.
Optional
Accessible
Read each of the following sentences to find out whether there is any 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:. (Ignore errors of punctuation, if any).
The scheme failed because (a)/ some states could not, (b)/ manage not to raise (c)/the necessary funds. (d)/ No error (e)
Real estate prices in the (a)/ business district of the city (b)/ are expected to rise (c)/ at 15% this year. (d)/ No error (e)
By so early as next year (a)/ that leading investment bank (b)/ has plants to open (c)/ an office in New Delhi. (d)/ No error (e)
There is lots of (a)/ supports from the employees (b)/ for the proposal to (c)/ merge with the parent company. (d)/ No error (e)
Experts have recommended that (a)/ the government reconsidered (b)/ restrictions imposed on foreign (c)/ investment in real estate. (d)/ No error (e)
The crucial point to (a)/ be discussed at the (b)/ meeting is how to (a)/ well implement the policy. (d)/ No error (e)
He wants to (a)/ set up a laboratory (b)/ to undertake research (c)/ into a vaccine for cancer. (d)/ No error (e)
According to him (a)/ two factors which are (b)/ needy for success (c)/ are discipline and diligence. (d)/ No error (e)
Because of the pace at (a)/ which the company is growing (b)/ I believe it will easily (c)/ achieve their target. (d)/ No error (e)
It is truth (a)/ that India is (b)/ the largest consumer of (c)/ gold in the world. (d)/ No error (e)
Which of the phrases at a, b, c and d. given below should replace the phrase given in bold in the following sentence to make the sentence grammatically meaningful and correct If the sentence is correct as it is and ‘No correction is required’, mar* e: as the answer
The bank is overstaffed, has led to low productivity.
You delay in taking a decision conveys a negative impression.
Today management student itself are opted to work for NGOs even though salaries offered to them are low.
Absence off any guidelines, they are unwilling to take up the project.
Without the development of rural people in country can no claim to be developed.
In each question below a sentence with four words printed in bold type is given. These are numbered as (a), (b), (c) and (d). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word, which is wrongly spelt or inappropriate, if any. The number of that word is your answer If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark e: t e. All Correct’ as your answer
The organization preferred (a)/ to hire locale (b)/ population as they understood the language (c)/ and customer preferences. (d)/ All correct (e)
In our opinion the exicting (a)/ assessment (b)/ system required immediate (c)/ revision. (d)/ All correct (e)
In responds (a)/ to the advertisement a sizeable (b)/ number of candidates have submitted (c)/ their applications. (d)/ All correct (e)
There is no guarantee (a)/ that if this model is adopted (b)/ the entire (c)/ sector will prosper. (d)/ All correct (e)
With this unique (a)/ initiative (b)/ the company hopes to sustain (c)/ its currant (d)/ growth rate. All correct (e)
In each of the following sentences there are two blank spaces. Below each five pairs of words have been denoted by numbers a, b, c, d and e. Find out which pair of words can be filled up in the blanks in the sentence in the same sequence to make the sentence meaningfully complete.
Mr. Srinivasan is……………. to become Chairman of the group ………the retirement of his father.
………..to your error the………………. consignment has been delayed by a week.
On account of the……………. in sales the software firm has achieved an eight per cent……… in net
profit.
We are proud to say that today……………. 26 per cent of our total accounts are ………….by women and senior citizens.
The company has………….. special training to employees on ………………..to trade online.
For the following questions answer them individually
Cross-selling covers
A prospect means
A Lead means
Innovation means
A Call means
The Traditional Marketing style involves
Modern methods of Marketing include
A true marketing requires
Which of the following sentences is true?
For effective marketing, the salesmen should have which of these qualities?
Market information means
Market Research is needed lot
Which of the following statements is true?
Marketing Plan helps in
If Marketing is done effectively, which of the following is not required ?
Motivation means
In a Selling Process In today’s world
Find the true statement
A Target Market is
Sales forecasting involves
How many options does a binary choice offer?
Data going into the compurter is called
How many values can be represented by a single byte?
Transformation of input into output is performed by
Device drivers are
A collection of programs that controls how your computer system runs and processes information is called
Which of the following refers to a small, single-site network?
A set of instructions telling the computer what to do is called
If you receive an e-mail from someone you don’t know, what should you do?
Which of the following can handle most system functions that aren’t handled directly by the operating system?
Microsoft Office is
Computer connected to a LAN (Local Area Network) can
Which of the following refers to the memory in your computer?
Information travels between components on the motherboard through
One megabyte equals approximately
When you are working on a document on PC, where is the document temporarily stored?
How are data organised in a spreadsheet?
Magnetic tape is not practical for applications where data must be quickly recalled because tape is
The blinking symbol on the computer screen is called the
When cutting and pasting, the item cut is temporarily stored in
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What should come in place of question mark (?) in the following questions ?
(8.2% of 365) - (1.75% of 108) = ?
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$$[(135)^{2} \div 15 \times 32] \div ? = 45 \times 24$$
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$$(96)^{2} + (63)^{2} = (?)^{2} - (111)^{2} - 8350$$
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4368 + 2158 - 596 - ? = 3421 + 1262
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$$2172 \div ? = 1832 - 956 - 514$$
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666.06 + 66.60 + 0.66 + 6.06 + 6+ 60 = ?
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15.594 - 4.312 - 3.517 - 1.689 = ?
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$$205 \times ? \times 13 = 33625 + 25005$$
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$$69 \div 3 \times 0.85 + 14.5 - 3 = ?$$
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$$(10)^{24} \times (10)^{-21} = ?$$
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What should come in place of question mark (?) in the following number series.
12, 6.5, 7.5, 12.75, 27.5, 71.25, ?
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16, 24, 36, 54, 81, 121.5, ?
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12, 12, 18, 45, 180, 1170, ?
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22, 23, 27, 36, 52, 77, ?
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16, 14, 24, 66, 256, 1270, ?
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Study the following table carefully to answer the questions that follow :
No of boys and girls in five streams of a college over the years.
What is the total number of boys, for all the streams together, in the year 2004 ?
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The number of boys in Arts stream in the year 2004 is approximately what per cent of the total number of boys for all the years together in Arts stream ?
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What is the ratio of the total number of boys to the total number of girls, from all the streams together, for the year 2007 ?
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What is the ratio of the total number of boys to the total number of girls, in the Management stream for all the years together ?
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What is the average number of Girls from Commerce stream for the given years ?
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What approximate value should come in place of question mark (?) in the following questions ? (You are not expected to calculate the exact value.)
$$(935.82)^{2} = ?$$
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$$628.306 + 6.1325 \times 44.0268 = ?$$
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$$(739\% of 383) \div 628 = ?$$
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$$(9795 + 7621 + 938) \div (541 + 831 + 496) = ?$$
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$$814296 \times 36 = ? \times 96324$$
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Study the information carefully to answer the following questions :
In an organisation consisting of 750 employees, the ratio of Males to Females is 8 : 7 respectively. All the employees work in five different departments viz. HR, Management, PR, IT and Recruitment. 16 per cent of the Females work in Management Department. 32 per cent of Males are in HR Department. One-fifth of the Females are in the Department of Recruitment. The ratio of Males to Females in the Management Department is 3 : 2 respectively. 20 per cent of the total numbers of employees are in PR Department. Females working in Recruitment are 50 per cent of the Males working in the same Department. 8 per cent of the Males are in IT Department. The remaining Males are in PR Department. 22 per cent of the Females work in HR Department and the remaining Females are working in IT Department.
What is the total number of females working in the IT and Recruitment Department together ?
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What is the number of females working in the HR Department
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Number of males working in HR Department forms approximately what per cent of total number of the employees in the organisation ?
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Number of males working in PR Department forms what per cent of the number of Females working in the same Department ? (rounded off to two digits after decimal)
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What is the total number of employees working in the Management Department ?
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For the following questions answer them individually
The simple interest accrued on an amount of Rs. 19,800 at the end of three years is Rs. 7,128. What would be the compound interest accrued on the same amount at the same rate in the same period ?
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If the numerator of a fraction is increased by 400% and the denominator is increased by 500%, the resultant fraction is 10/21 . What was the original fraction ?
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What is 26% of 55% of 10/13th of 6100 ?
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The ages of Aarzoo and Arnav are in the ratio of 11 : 13 respectively. After 7 years the ratio of their ages will be 20 : 23. What is the difference in years between their ages ?
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0ne-eighth of a number is 17.25. What will 73% of the number be ?
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Study the graph carefully to answer the questions that follow :
No of Girls enrolled in Different Hobby Classes in various institutes in a year
What is the respective ratio of total number of girls enrolled in Painting in the Institutes A and C together to those enrolled in stitching in the Institutes D and E together ?
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Number of girls enrrolled in stitching in Institute B forms approximately what per cent of the total number of girls enrolled in stitching in all the Institutes together ?
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What is the respective ratio of total number of girls enrolled in Painting, Stitching and Dancing from all the Institutes together ?
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Number of girls enrolled in Dancing in Institute A forms what per cent of total number of girls enrolled in all the Hobby classes together in that Institute ? (rounded off to two digits after decimal)
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What is the total number of girls enrolled in Painting from all the Institutes together ?
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For the following questions answer them individually
Among M, T, R and P, M is older than only P. T is older than R. Who among them is the oldest ?
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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 ?
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How many meaningful English words can be formed with the letters ESRO using each letter only once in each word ?
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If P denotes `+’: ‘R’ denotes ‘÷’: T denotes ‘-‘ and W’ denotes ‘×’; then- 40 R 8 W 10 T 12 P 16 = ?
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What should come next in the following number sequence ?
2 2 3 2 3 4 2 3 4 5 2 3 4 5 6 2 3 4 5 6 7 2 3 4
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How many such pairs of letters are there in the world CONSTABLE each of which has as many letters between them in the word as in the English alphabet ?
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In a certain code BOARD is written as 54#12 and MORE is written as 941$. How is DREAM written in that code ?
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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 ?
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How many such are there in the number 5231698 each of which is as far away from the beginning of the number as when the digits are rearranged in ascending order ?
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In a certain code CREAM is written as NBDBQ. How is BREAD written in that code?
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In each of the questions below are given three statements followed by three conclusions numbered I, II and III. You have to take the given statements to be true even if they seem to be at variance from commonly known facts. Read all the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts.
Statements :
Some flowers are bins.
Some bins are handles.
All handles are sticks.
Conclusions :
I : Some sticks are bins.
II : Some handles are flowers.
III: Some sticks are flowers.
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Statements :
Some towers are windows.
All windows are houses.
Some houses are temples.
Conclusions :
I : Some towers are temples.
II : Some houses are towers.
III : Some temples are windows.
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Statements :
Some walls are doors.
Some doors are cots.
Some cots are chairs.
Conclusions :
I : Some chairs are doors.
II : Some cots are walls.
III : No chair is door.
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Statements :
All trees are gardens.
All gardens are stones.
All stones are fences.
Conclusions
I : Some fences are gardens.
II : All gardens are fences.
III : Some stones are trees.
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Statements :
All books are leaves.
Some leaves are jungles.
No jungle is box.
Conclusions :
I : Some jungles are books.
II : No book is box.
III : Some leaves are boxes.
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Study the following arrangement carefully and answer the questions given below :
7 R E T 4 A 9 % D F 1 U # B @ 8 H I © W M * 3 2 V $ 5 N P 6 Q
How many such consonants are there in the above arrangement, each of which is immediately preceded by a consonant and immediately followed by a number ?
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How many such numbers are there in the above arrangement, each of the which is immediately preceded by a letter but not immediately followed by a symbol ?
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How many such vowels are there in the above arrangement, each of which is immediately followed by a symbol ?
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Four of the following five are alike in a certain way based on their position in the above arrangement and so form a group. Which is the one that does not belong to the group ?
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Which of the following is the fourth to the left of the twelfth from the left end ?
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In each questions below is given a group of digits followed by four combinations of letters or symbols numbered a, b, c and d. You have to find out which of the combinations correctly represents the group of digits based on the coding system and the conditions given below and mark the number of that combination as your answer. If none of the combinations correctly represents the group of digits, mark e:, i.e. None of these’ as your answer.
Conditions :
(i) If the first digit is odd and the last digit is even, the codes for the first and last digits are to be interchanged.
(ii) If both the first and the last digits are even, both are to be coded as *.
(iii) If both the first and the last digits are odd, both are to be coded as $.
215349
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671254
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813469
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794821
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591426
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Study the following information carefully and answer the question given below :
A, B. C, D, E, F, G and H are sitting around a circle facing at the centre. D is second to the left of F and third to the right of H. A is second to the right of F and on immediate neighbour of H. C is second to the right of B and F is third to the right of B. G is not an immediate neighbour of F.
How many of them are there between H and C ?
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Who is to the immediate left of A?
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In which of the following pairs is the first person sitting to the immediate left of the second person ?
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Who is fourth to the right of B ?
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What is E’s position with respect to G?
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In the following questions, the symbols @. ©, #, $ and % are used with the following meaning as illustrated below :
‘p © Q’ means ‘P is either greater than or equal to Q’.
`P % Q’ means ‘P is either smaller than or equal to Q’.
‘P @ Q’ means ‘P is neither greater than nor smaller than Q’.
P # Q’ means ‘P is smaller than Q’.
P $ Q means ‘P is greater 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?
Give answer a:if only Conclusion I is true.
Give answer b: if only Conclusion Il is true.
Give answer c: If either Conclusion I or II is true.
Give answer d: if neither Conclusion I nor II is true.
Give answer e: if both Conclusions I and II are true.
Statements :
D $ N, N # F, F © T
Conclusions :
I. T # N
II. D $ F
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Statements :
K © R, R $ F, F # B
Conclusions :
I. B $ R
II. F # K
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Statements :
J $ M, M © K, K # N
Conclusions :
I. J $ K
II. N $ M
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Statements :
F # T, T @ W, W $ H
Conclusions :
I. F # H
II. F © H
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Statements :
M % T, T # R , R @ D
Conclusions :
I. D $ T
II. R $ T
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In each of the questions given below which one of the five answer figures on the bottom should come after the problem figures, if the sequence were continued ?
Figures
Figures
Figures
Figures
Figures
