Uttar Bihar Gramin Bank Recruitment

Uttar Bihar Gramin Bank (UBGB)
(Sponsored by Central Bank of India, Kalambagh Chowk, Muzaffarpur-842001

Uttar Bihar Gramin Bank invites Online applications for following posts :

1. Officer MMG Scale -III : 07 posts
2. Officer MMG Scale –II : 121 posts
3. Officer JMG Scale - I : 268  posts
4. Office Assistant (Multipurpose) : 406 posts
   

Application fee : Rs.400/- (Rs.50/- for SC/ST) to be paid by Challan form in any branch of Central Bank of India.

How to Apply : Apply Online at UBGB website from 28/12/2011 to 27/01/2012 only.


Please visit http://www.ubgb.in for details and application format.

English Sample Practice Paper for IBPS CWET Clerk 36

Directions– (Q. 1–10) 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.

In a village by the Ganges, there once lived a Brahmin. He was a religious and God-fearing man. He earned his living by performing prayers in other people's home. One day the Brahmin was called to the neighbouring village to perform some ceremony. In return for his services, he received a goat as a present.
The Brahmin was very pleased and he set off for home with a goat on his shoulders, he thought to himself, "this was a generous family, to have given me a goat. My wife and children will be very pleased. As he walked down the path to his village he did not notice that he was being followed by three thieves. "We have to get that plump goat" said the first thief. It will make a great dinner for us," said the second thief. "We need to think of a plan fast," said the third. The three thieves then decided to fool the Brahmin.
The first thief approached the Brahmin saying "Dear Brahmin, you are a holy man, Why are you carrying a dirty dog on your shoulders ?" "A dirty dog," can't you see that it is a poor little goat. Are you blind ?" said the Brahmin angrily. The first thief laughed and walked away.
The Brahmin looked at the goat, indeed it was a goat, and so he resumed his journey homeward. A little further down the path, the Brahmin came across the second thief. The second thief said in astonishment, "You are a holy man, why are you carrying a dead calf on your shoulders”? The Brahmin was furious, "This is a live goat and not a dead calf."
The Brahmin had barely walked some distance when the third thief came running waving his arm towards the Brahmin "Drop that donkey at once, If people see you carrying a donkey on your shoulders, what will they think of you ?" By now the Brahmin was very confused. Three different people had told him that he was carrying an animal other than a goat. Something must be wrong he thought. "This is not a goat; this must be some monster that keeps changing its form." The terrified Brahmin threw the goat and ran home as fast as he could.
The three thieves had a great laugh. They had succeeded in their plan. They picked up the goat and left. How foolish the Brahmin had been to have believed them.

1. Why did the Brahmin let go off the goat ?
(A) He believed the first thief, (B) He believed the second thief, (C) He believed the third thief
(D) He thought the goat was a monster, (E) He did not want the goat
Ans : (D)

2. How did the Brahmin get the goat ?
(A) He bought it from the market, (B) He stole it from the three thieves
(C) It was given to him as a present, (D) He found the lost goat while on his way home
(E) He took it on loan
Ans : (C)

3. The thieves were following the Brahmin because-
(A) he was carrying a nice plump goat, (B) they wanted his blessings
(C) they did not know the way to the village, (D) he was a rich man, (E) he was unknown to them
Ans : (A)


4. How did the Brahmin earn his living ?
(A) By selling goats, (B) By performing prayer's, (C) By making sacrifices, (D) By donations, (E) None of these
Ans : (B)

5. The various forms taken by the goat were-
(A) Form of a dirty dog, (B) Form of a dead calf, (C) Form of a donkey, (D) All (A), (B) and (C)
(E) Only (A) and (B)
Ans : (D)

6. Why was the Brahmin confused ?
(A) He noticed three different people following him to his village
(B) His wife was upset to see him with the plump goat
(C) He was surprised that the goat could take so many different forms
(D) Three different people told him he was carrying an animal other than a goat
(E) He lost his way to the village after performing the ceremony
Ans : (D)
Directions–(Q. 7 and 8) Choose the word which is most nearly the SAME in meaning as the word printed in bold as used in the passage.

7. Resumed: (A) Started, (B) Commenced, (C) Continued, (D) Changed, (E) Directed
Ans : (C)

8. Generous: (A) Kind, (B) Rich, (C) Selfish, (D) Liberal, (E) Fortunate
Ans : (A)
Directions– (Q.9 and 10) Choose the word which is most OPPOSITE in meaning of the word printed in bold as used in the passage.

9. Plump: (A) Hungry, (B) Thin, (C) Stout, (D) Pampered, (E) Innocent
Ans : (C)

10. Terrified: (A) Baffled, (B) Alarmed, (C) Confused, (D) Scared, (E) Fearless
Ans : (D)
Directions–(Q. 11–15) Read each sentence to find out whether 1here 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 (E) i.e., 'No Error'. (Ignore the errors of punctuation, if any.)

11. The bus waiting (A) / for all the passengers (B) / to enter (C) / before it took off. (D)
Ans : (A)

12. Daily prayer and meditation (A) / is the keys (B) / to a peaceful (C) / and happy life. (D)
Ans : (B)

13. The fruit vendor (A) / would rather (B) / let the fruit get spoiling than (C) / sell them for a lesser price. (D)
Ans : (C)

14. The police making (A) / everyone leave (B) / the building premises (C) / immediately. (D)
Ans : (A)

15. Mother and I (A) / generally go to the store (B) / and pick up food items (C) / for the charitable. (D)
Ans : (D)
Directions–(Q. 16–20) Pick out the most effective word from the given words to fill in the blanks to make the sentence meaningfully complete.

16. You will have to undergo a ………………….of tests before the interview.
(A) large, (B) series, (C) design, (D) booklet, (E) delegation
Ans : (B)

17. If you………………….fast, we will reach on time.
(A) journey, (B) travel, (C) walk, (D) talk, (E) react
Ans : (C)

18. The boy was curious to know what was ………………….the parcel.
(A) into, (B) with, (C) in, (D) beyond, (E) within
Ans : (C)

19. For every school going child, studying is a………………….
(A) skill, (B) success, (C) achievement, (D) luxury, (E) priority
Ans : (E)

20. The Board members could not arrive at a ………………….regarding the employee.
(A) judgement, (B) progress, (C) policy, (D) consensus, (E) action
Ans : (D)
Directions–(Q. 21–25) In each question below four words which are lettered (A), (B), (C) and (D) have been printed, of which, one word may be wrongly spelt. The letter of that word is the answer. If all the four words are correctly spelt, mark (E) i.e. "All Correct" as the answer.

21. (A) Dimention, (B) Enlighten, (C) Canvass, (D) Unfortunate, (E) All Correct
Ans : (A)

22. (A) Raging, (B) Extensive, (C) Priviledge, (D) Exorbitant, (E) All Correct
Ans : (C)

23. (A) Respectable, (B) Excessive, (C) Lament, (D) Manupilate, (E) All Correct
Ans : (D)

24. (A) Presentable, (B) Commodity, (C) Exept, (D) Rebate, (E) All Correct
Ans : (C)

25. (A) Continuos, (B) Mourn, (C) Leisure, (D) Rampant, (E) All Correct
Ans : (A)
Directions–(Q. 26–30) Rearrange the following six 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) So the Sun retired behind a cloud, and the Wind began to blow hard upon the traveller.
(b) The Sun and the Wind were disputing who was stronger amongst them.
(c) But the harder he blew the more closely the traveller wrapped his coat around him.
(d) Then the Sun came out and shone in all his glory upon the traveller, who soon found it too hot to walk with his coat on.
(e) Suddenly they saw a traveller walking down the road, and the Sun said, "I see a way to settle our dispute"
(f) Whichever of us can cause the traveller below to take off his coat shall be regarded as the stronger one.

26. Which is the SIXTH (LAST) sentence after the rearrangement ? (A) (f), (B) (e), (C) (d), (D) (c), (E) (b)
Ans : (C)

27. Which is the FOURTH sentence after the rearrangement ? (A) (d), (B) (b), (C) (e), (D) (c), (E) (a)
Ans : (E)

28. Which is the FIFTH sentence after the rearrangement ? (A) (b), (B) (c), (C) (a), (D) (e), (E) (f)
Ans : (B)

29. Which is the FIRST sentence after the rearrangement ? (A) (b), (B) (e), (C) (c), (D) (d), (E) (a)
Ans : (A)

30. Which is the SECOND sentence after the rearrangement ? (A) (b), (B) (a), (C) (f), (D) (e), (E) (c)
Ans : (D)
Directions–(Q. 31–40) 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.

Once upon a time, there lived a pair of geese and a tortoise and the three were the best of friends. One day they were faced by a huge drought and the lake in which they lived was ...(31)... up. They ...(32)... to leave the lake and look for new lake, but the tortoise could not ...(33)... So, the geese thought of a ...(34)..., whereby, the tortoise would have to hold a piece of stick by its mouth which would be ...(35)... by the two geese. The only condition was that the tortoise should not. speak or it would ...(36) ...from the stick to his death.
The tortoise agreed to be ...(37) ….

But on seeing this strange ...(38)..., people on the way started laughing at the tortoise. Unable to control his ...(39)..., he spoke aloud "What are they ...(40)... about ?" and so he fell to his death.

31. (A) rising, (B) vaporising, (C) soaring, (D) soaking, (E) drying
Ans : (E)

32. (A) advised, (B) confided, (C) decided, (D) thought, (E) suggested
Ans : (C)

33. (A) understand, (B) swim, (C) fly, (D) talk, (E) think
Ans : (C)

34. (A) magic, (B) plan, (C) game, (D) plot, (E) trick
Ans : (E)

35. (A) agreed, (B) manufactured, (C) designed, (D) carried, (E) produced
Ans : (D)

36. (A) balance, (B) choke, (C) fall, (D) slipped, (E) hang
Ans : (C)

37. (A) disciplined, (B) rescued, (C) flew, (D) good, (E) silent
Ans : (B)

38. (A) bargain, (B) arrangement, (C) friendship, (D) matrix, (E) object
Ans : (B)

39. (A) excitement, (B) grip, (C) curiosity, (D) destiny, (E) devotion
Ans : (C)

40. (A) looking, (B) talking, (C) thinking, (D) pointing, (E) laughing
Ans : (E)

Directions—(Q. 41 to 50) Read each sentence to find out whether there is any grammatical error or idiomatic 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 (E). (Ignore errors of punctuation, if any.)

41. In about five minutes, they would (A) / cover the distance from the road to the point (B) / where the waves would (C) / begin lick their feet. (D)
Ans : (E)

42. The devastating experiences (A) / of many wars taught some countries (B) / the necessary of pursuing peace (C) / at the expense of nationalist egos. (D)
Ans : (C)

43. The former superstar recently (A) / visit an orphanage, (B) / fuelling speculation that (C) / she is planning to adopt a child. (D)
Ans : (B)

44. According to a new study (A) / taking steps to remain healthy and young (B) / may help delay (C) / the onset of Alzheimer's disease. (D)
Ans : (A)

45. A day after he was diagnosed with (A) / swine flu, preventive measures were put in place (B) / to ensure that others were not (C) / affected by the dreaded virus. (D)
Ans : (E)

46. The administration has conclusive (A) / that it is retailers who are (B) / responsible for upsetting (C) / the city's household budget. (D)
Ans : (A)

47. The assurances, unfortunately, (A) / remained on paper, (B) / as neither the Centre or the State initiated steps (C) / for the development of the backward region. (D)
Ans : (C)

48. Sediment deposit along the coast (A) / may be the primary reason for (B) / the change in conditions, (C) / but a lot more remains to be understand. (D)
Ans : (D)

49. A committee will be set up (A) / to explore pros and cons by (B) / a common fee structure, and will (C) / take a final decision on it within a week. (D)
Ans : (A)

50. The infection which causes (A) / gums to bleed and teeth to fall out (B) / results from the build-up of (C) / a particular bacteria that is common to most mouths. (D)
Ans : (D)

Computer Awareness Sample Paper IBPS CWET CLERK

IBPS CWET CLERK COMPUTER KNOWLEDGE MODEL PRACTICE PAPER

1. One megabyte equals approximately
1) 1,000 bits, 2) 1,000 bytes, 3) 1 million bytes, 4) 1 million bits, 5) 2,000 bytes

2. Data going into the computer is called?
1) Output, 2) Algorithm, 3) Input, 4) Calculations, 5) Flowchart

3. Which of the following refers to the memory in your computer?
1) RAM, 2) DSL, 3) USB, 4) LAN, 5) CPU

4. When you are working on a document on PC, where is the document temporarily stored?
1) RAM, 2) ROM, 3) The CPU, 4) Flash memory, 5) The CD-Rom

5. Information travels between components on the mother board through-
1) Flash memory, 2) CMOS, 3)Bays, 4) Buses, 5) Peripherals

6. How are data organised in a spreadsheet?
1) Lines and spaces, 2) Layers and planes, 3) Height and width, 4) Rows and columns, 5) None of these

7. Which of the following is true?
1) Byte is a single digit in a binary number
2) Bit represents a grouping of digital numbers
3) Eight-digit binary number is called a byte
4) Eight-digit binary number is called a bit, 5) None of these

8. Transformation of input into output is performed by?
1) Peripherals, 2) Memory, 3) Storage, 4) The Input-Output unit, 5) The CPU

9. How many options does a binary choice offer?
1) None, 2) One, 3) Two, 4) It depends on the amount of memory in the computer
5) It depends on the speed of the computer's processor

10. .....is collection of web pages and ......is the very first page that we see on opening of a web-site
1) Home-page, Web-page, 2) Web-site, Home-page
3) Web-page, Home-page, 4) Web-page, Web-site, 5) None of these

11. When the pointer is positioned on a _____ it is shaped like a hand.
1) Grammar error, 2) Hyperlink, 3) Screen tip, 4) Spelling error, 5) Formatting error

12. The _____ of a system includes the programs or instructions.
1) Hardware, 2) Icon, 3) Information, 4) Software, 5) None of these

13. 'www' stands for _____
1) World Word Web, 2) World Wide Web, 3) World White Web
4) World Work Web, 5) None of these

14. What menu is selected to cut, copy, and paste?
1) File, 2) Tools, 3) Special, 4) Edit, 5) None

15. You can use the tab key to
1) Move a cursor across the screen, 2) Indent a paragraph
3) Move the cursor down the screen, 4) Only (1) and (2)
5) None of these

16. The most important or powerful computer in a typical network is _____
1) Desktop, 2) Network client, 3) Network server, 4) Network station, 5) None

17. Which of the following is an example of connectivity?
1) Internet, 2) Floppy disk, 3) Power cord, 4) Data, 5) None of these

18. The ability to find an individual item in a file immediately _____ is used.
1) File allocation table, 2) Directory
3) Sequential access, 4) Direct access, 5) None of these

19. The primary purpose of software is to turn data into _____
1) Web sites, 2) Information, 3) Programs, 4) Objects, 5) None of these

20. To what temporary area can you store text and other data, and later paste them to another location?
1) The clipboard, 2) ROM, 3) CD-ROM, 4) The hard disk, 5) None

21. Storage that retains its data after the power is tuned off is referred to as
1) volatile storage, 2) non-volatile storage, 3) sequential storage
4) direct storage, 5) None of these

22. _____is the science that attempts to produce machines that display the same type of intelligence that humans do.
1) Nano science, 2) Nanotechnology, 3) Simulation
4) Artificial intelligence (AI), 5) None of these

23. Changing an existing document is called _____ the document.
1) Creating, 2) Editing, 3) Modifying, 4) Adjusting, 5) None of these

24. Computers use the _____ number system to store data and perform calculations.
1) Decimal, 2) Hexadecimal, 3) Octal, 4) Binary, 5) None of these

25. Which of the following is the largest unit of storage?
1) GB, 2) KB, 3) MB, 4) TB, 5) None of these

26. The _____ key will launch the start buttons.
1) Esc, 2) Shift, 3) Windows, 4) Shortcut, 5) None of these

27. _____is the process of finding errors in software code.
1) Compiling, 2) Testing, 3) Running, 4) Debugging, 5) None of these

28. To move to the beginning of a line of text, press the _____ key.
1) Home, 2) A, 3) Page-up, 4) Enter, 5) None of these

29. Virtual memory is
1) Memory on the hard disk that the CPU uses as an extended RAM
2) RAM
3) Only necessary if you do not have any RAM in your computer
4) A back up device for floppy disks,             5) None of these

30. A _____ contains specific rules and words that express the logical steps of an algorithm.
1) Syntax,       2) Programming structure,        3) Programming language
4) Logic chart,   5) None of these

31. When sending an e-mail, the _____ line describes the contents of the message.
1) to, 2) subject, 3) contents, 4) CC, 5) None of these

32. The _____ tells the computer how to use its components.
1) Utility, 2) Network, 3) Operating system, 4) Application program, 5) None

33. Which grouping do you work with when formatting text in word?
1) Tables, paragraphs and indexes, 2) Paragraphs, indexes and sections
3) Characters, sections and paragraphs, 4) Indexes, characters and tables
5) None of these

34. What is backup?
1) Adding more components to your network
2) Protecting data by copying it from the original source to a different destination
3) Filtering old data from the new data, 4) Accessing data on tape, 5) None

35. Network components are connected to the same cable in the _____ topology.
1) Star, 2) Ring, 3) Bus, 4) Mesh, 5) Mixed

36. This component is required to process data into information and consists of integrated circuits.
1) Hard disk, 2) RAM, 3) CPU, 4) ROM, 5) None of these

37. One advantage of dial-up-internet access is ___
1) It utilises broadband technology
2) It utilizes existing telephone service
3) It uses a router for security
4) Modem speeds are very fast, 5) None of these

38. What is the term for unsolicited e-mail?
1) News group, 2) Use net, 3) Backbone, 4) Flaming, 5) Spam

39. Two or more computers connected to each other of sharing information form a _____
1) Network, 2) Router, 3) Server, 4) Tunnel, 5) Pipeline

40. Computers that are portable and convenient for users who travel are known as _____
1) Super computers, 2) Lap tops, 3) Mini computers, 4) File servers, 5) None

41. A computer checks the _____ of user names and passwords for a match before granting access.
1) Website, 2) Network, 3) Backup file, 4) Data base, 5) None of these

42. Office LANs that are spread geographically apart on a large scale can be connected using a corporate _____
1) CAN, 2) LAN, 3) DAN, 4) WAN, 5) TAN

43. The code for a Web page is written using _____
1) A fifth generation language, 2) Win Zip
3) Peripherals, 4) Hypertext Markup Language, 5) URL

44. What is the process of copying software programs from secondary storage media to the hard disk called?
1) Configuration, 2) Download, 3) Storage, 4) Upload, 5) Installation

45. Small application programs that run on a web page and may ensure a form is completed properly or provide animation are known as _____
1) Flash, 2) Spiders, 3) Cookies, 4) Applets, 5) Sparks

46. The first computers were programmed using _____
1) Assembly language, 2) Machine language, 3) Source code, 4) Object code
5) Spaghetti code

47. Which process checks to ensure the components of the computer and operating are connected properly?
1) Booting, 2) Processing, 3) Saving, 4) Editing, 5) None of these

48. In a relational database, this is a data structure that organizes the information about a single topic into rows and columns.
1) Block, 2) Record, 3) Tuple, 4) Table, 5) Command line interface

49. How can the user determine what programs are available on a computer?
1) Checking the hard disk properties
2) Viewing the installed programs during the booting process
3) Checking the operating system for a list of installed programs.
4) Checking the existing files saved on the disk, 5) None of these

50. When we run a program in HTML coding _____ is used as backend and ____ works as front-end.
1) Notepad - Internet-Explorer, 2) Notepad - Msn-messenger
3) MS-Word - Internet Explorer, 4) Both (1) and (2), 5) None of these

ANSWERS:

1)3 2)3 3)1 4)1 5)4 6)3 7)3 8)5 9)3 10)2 

11)2 12)4 13)2 14)4 15)2 16)3 17)1 18)1 19)2 20)1

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

31)2 32)3 33)1 34)2 35)2 36)3 37)2 38)5 39)1 40)2

41)4 42)4 43)4 44)5 45)4 46)2 47)1 48)4 49)4 50)1

SSC Combined Higher Secondary Level LDC & DATA Operator Practice Paper Aug'11

Just Download from the below link:

http://www.ziddu.com/download/17973109/SSCLDCDATAOPTAUG11INENGLISH.pdf.html

Reasoning Practice Paper Central Bank of India Clerk

Reasoning Practice Paper Central Bank of India Clerk
http://www.ziddu.com/download/15912661/ReasoningPRACTICEPAPERSCLERKCentralbankofindiaPK.pdf.html

Daily English Vocabulary 15 Dec 2011

Synonyms:
1. Abase = Degrade, Disgrace
2. Abandon = Desert, Leave
3. Abhor = Hate, Loathe
4. Abut = Adjoin, Join
5. Abstain = Renounce, Avoid

Antonyms:
1. Accustomed = Unusual
2. Acquittal = Conviction
3. Active = Inert
4. Alert = Careless
5. Ample = Scanty, Meagre

Sample Reasoning Practice Paper for PO

This paper is in PDF so that figures/series do not change and one can take print of that.


http://www.ziddu.com/download/16161783/PRACTICEPAPERS10POReasoning.pdf.html

General Awareness Practice Sample Peper for Clerical and PO Papers

Q1. Fixed Deposit also called as .........?
(1) Term Deposit (2) Steer Deposit (3) Validity Deposit (4) No Cancel Deposit (5) Inter Deposit

Q2. Credit Creation means .........?
(1) giving loans after cancellation of old loan (2) giving more and more loans to BPL families
(3) to expand deposits through expanding their loans and advances
(4) to provide more loans to government employees without rate of interest (5) All of above

Q3. The best alternative banking service to branch banking to be the part of Financial Inclusion?
(1) Establishment of small branches (2) Setup ATMs
(3) Issuing of ATM cards (4) Giving Credit Cards (5) Mobile banking

Q4. Central Bank of India has tie up with .......... to promote vocational training amongst the youth.
(1) National Skill Deemed Corporation (NSDC) (2) National Steamed Development Corporation (NSDC)
(3) National Skill Development Corporation (NSDC) (4) Notional Skill Development Corporation (NSDC)
(5) None

Q5. Overdraft facility means .........?
(1) bank account holders to have a facility to take draft having denomination more than the minimum balance they maintain
(2) facility that allows bank to charge more draft charges if they issue drafts having more value than Rs.1,00,000
(3) the account holder can take more than one draft in a day in the same branch by paying few charges
(4) rural Banks can take more loan than allowed by the RBI from world bank in the month of March every year
(5) facility that allows bank account holders to have a negative balance on their bank accounts and pay rate of interest on the excess amount used

Q6. Which among the following measures can not be taken by the government to tackle the inflation?
(1) Financing the areas, where the production of the goods is less (2) Fixing the MRP of major products to be bought
(3) Asking RBI to mint the new currency (4) Banning the export of goods (5) None

Q7. Increase in deposit rate results .........?
(1) lower savings (2) lower investments (3) increase bank branches (4) increase savings (5) none
Q8. Under Marginal Standing Facility ( MSF) the banks are allowed to borrow up to one percent of their total ......... ?
(1) Deposit base (2) Lending (3) Equity (4) Margins (5) NPA

Q9. After ONGC, IOC, SAIL and NTPC ......... got Maharatna status?
(1) CIL (2) BHEL (3) BP (4) RIL (5) RBI

Q10. Gangadhar Pradhan is an exponent in ......... dance?
(1) Kuchipudi (2) Kathak (3) Bihu (4) Bharata Natyam (5) None

Q11. ......... is used in the banking terminology?
(1) Stock (2) Bear (3) Listing (4) Open Market Operations (5) Settlement Day

Q12. Current Account details are given. Pick the wrong one?
(1) Generally the businessman having the more transactions opt this account
(2) No rule is there to prohibit to allow the individual to take this account
(3) The highest rate of interest paid on this account compare to other accounts
(4) Any number of transactions can be done (5) No interest or least interest is paid on this account

Q13. Appreciation of money means .........
(1) A hike in the price of money due to general fall in the price level.
(2) A hike in the price of money due to general increase in the price level.
(3) A reduction in the price of money due to general fall in the price level.
(4) Absence of the price of money due to general fall in the price level. (5) None

Q14. A Peak of Lies written by ......... ?
(1) Urmila Deshpande (2) Karan Singh (3) Kushwant Singh (4) Chetan Bhagath (5) R.K.Narayan

Q15. In the given list of the days which is wrongly matched one?
(1) 31 May- World No Tobacco Day (2) 13 April- Jallianwallah Bagh Massacre Day
(3) 24 March - World TB Day (4) 2 April- All Fools Day (5) None

Q16. Find the wrong abbreviation?
(1) CVC-Central Vision Commission (2) CEC- Central Election Commission
(3) CAG-Comptroller and Auditor General (4) IBA-Indian Banks' Association
(5) IBPS-Institute of Banking Personnel Selection

Q17. ICC committee recommended the most controversial DRS in all cricket international matches in the coming days. DRS means......... .?
(1) Decision Roll System (2) Decision Revision System, (3) Deal Review System, (4) Decision Review System, (5) Dual Revision System

Q18. The Financial Literacy includes ..........?
(1) How to use the limited funds carefully (2) How to invest the funds (3) How to minimize the risk arisen
(4) How to reinvest the money earned (5) All of above

Q19. Which of the following is not amongst the core industries/sectors ?
(1) Coal (2) Service sector (3) Crude oil (4) Power (5) Steel

Q20. ‘FBTR’ is a term/abbreviated name related to the area of—
(1) Nuclear Power (2) Agriculture (3) Economy (4) Medical Science (5) Sports

Q21. N. K. P. Salve Challenger Series is a tournament associated with which of the following games ?
(1) Hockey (2) Football (3) Cricket (4) Lawn Tennis (5) Badminton

Q22. ‘Irani Trophy’ is associated with—
(1) Hockey (2) Badminton (3) Football (4) Lawn Tennis (5) Cricket

Q23. ‘‘The Bridge–The Life and Rise of Barack Obama’’, is a book written by—
(1) Cynthia Tucker (2) Sarah Palin (3) Barbara Walters (4) Michelle Obama (5) David Remnick

Q24. Human Rights Day is observed on which of the following dates ?
(1) December 15^th (2) December 20^th (3) December 10^th (4) November 15^th (5) November 20th

Q25. Which of the following terms is not used in the field of banking and finance ?
(1) Blue chip companies (2) Commercial paper (3) Hedge (4) Premium Bonds (5) Wobbe Index

Q26. Which of the following prizes/award is not given for excellence in literature ?
(1) Murtidevi Award (2) Arjuna Award (3) Vyas Samman (4) Pulitzer Prize (5) Saraswati Samman

Q27. Which of the following schemes is not launched by the Govt. of India ?
(1) Mid Day Meal Scheme (2) Rural Health Mission (3) Programme for Control of Blindness (4) Jeevan Anurag, (5) ASHA

Q28. Which of the following is a famous Pharma Company in India ?
(1) HCL (2) BPCL (3) IDPL (4) Infosys Technology (5) Grasim Industries

Q29. The Largest commercial bank in India?
(1) RBI (2) SBI (3) ICICI Bank (4) PNB (5) HDFC Bank

Q30. The origin of the State Bank of India goes back to the first deca-de of the nineteenth century with the establishment of?
(1) Bank of Calcutta (2) Bank of Bengal (3) Bank of Bombay, (4) Bank of Madras (5) None

Q31. Which bank came into existence in 1921 when three banks namely Bank of Bengal(1806), Bank of Bombay (1840) & Bank of Madras(1843) were reorganized and amalgamated to form a single banking entity?
(1) Imperial Bank of India (2) State Bank of India (3) Reserve Bank of India (4) Punjab National Bank (5) None

Q32. SBI act was passed in Parliament in?
(1) 1935 (2) 1949 (3) 1955 (4) 1969 (5) 1980

Q33. The State Bank of India was constituted on?
(1) 1 April 1935 (2) 1 January 1949 (3) 1 July 1955 (4) 1 September 1956 (5) None

Q34. At present, the number of associate banks of SBI?
(1) 5 (2) 6 (3) 7 (4) 8 (5) None

Q35. Which bank was merged with SBI in 2008?
(1) State Bank of Travancore (2) State Bank of Patiala (3) State Bank of Mysore
(4) State Bank of Indore (5) State Bank of Saurashtra

Q36. Which bank was merged with SBI in 2010?
(1) State Bank of Travancore (2) State Bank of Patiala (3) State Bank of Mysore
(4) State Bank of Indore (5) State Bank of Saurashtra

Q37. The first associate bank of SBI?

(1) State Bank of Travancore (2) State Bank of Patiala (3) State Bank of Mysore
(4) State Bank of Indore (5) State Bank of Hyderabad

Q38. SBI Life Insurance is a joint venture between State Bank of India and?
(1) ABN Amro Bank (2) Deutsche Bank (3) Life Insurance Corporation (LIC)
(4) American International Group (AIG) (5) BNP Paribas Assurance

Q39. SBI General Insurance is a joint venture between State Bank of India and?
(1) American International Group (AIG) (2) Insurance Australia Group (IAG)

(3) BNP Paribas (4) General Insurance Corporation (5) None

Q40. SBICI Bank (a Private Sector Bank) is wholly owned subsidiary of?
(1) ICICI Bank (2) HDFC Bank (3) RBI (4) IDBI Bank (5) None

Q41. The government passed the State Bank of India (Subsidiary Banks) Act in?
(1) 1934 (2) 1949 (3) 1955 (4) 1959 (5) None

Q42. Which of the following taglines is not associated with SBI?
(1) With you all the way (2) Pure banking nothing else (3) The Banker to every Indian
(4) The Nation banks on us (5) India's International Bank

Q43. Which bank became the State Bank of India in 1955?
(1) General Bank of India (2)Bank of Hindustan (3) Imperial Bank of India (4) Federal Bank of India, (5) None

Q44. Which of the following pairings is not correct? (Banks & Head Offices)?
(1) State Bank of Bikaner & Jaipur – Jaipur (2) State Bank of Hyderabad - Hyderabad
(3) State Bank of Mysore – Mysore (4) State Bank of Patiala - Patiala
(5) State Bank of Travancore - Thiruvananthapuram

Q45. Which of the following banks is/are 100 per cent owned by SBI?
(1) State Bank of Travancore (2) State Bank of Hyderabad and State Bank of Patiala
(3) State Bank of Mysore (4) State Bank of Bikaner and Jaipur
(5) State Bank of Indore and State Bank of Saurashtra

Q46. The largest Associate Bank of State Bank of India?
(1) State Bank of Hyderabad (2) State Bank of Bikaner and Jaipur
(3) State Bank of Mysore (4) State Bank of Patiala (5) State Bank of Travancore

Q47. Which of the following rural banks is sponsored by State Bank of India?
(1) Andhra Pragathi Grameena Bank (2) Andhra Pradesh Grameena Vikas Bank
(3) Deccan Grameena Bank (4) Chaitanya Godavari grameena Bank (5) None

Q48. Which among the following acquired the RBI's stake in SBI in 2007?
(1) IDBI Bank (2) ICICI Bank (3) Government of India (4) Life Insurance Corporation (5) None

Q49. SBI Card is a joint venture between State Bank of India and
(1) Standard Chartered (2) Hongkong and Shanghai Banking Corporation(HSBC)
(3) ABN Amro Bank (4) BNP Paribas (5) GE Capital

Q50. The Commercial Bank of India LLC, Moscow, a 60:40 joint venture of the State Bank of India and?
(1) Punjab National Bank (2) Corporation Bank (3) Bank of India (4) Canara Bank (5) Central Bank of India

General Awareness: 1)1, 2)3, 3)5, 4)3, 5)5, 6)3, 7)4, 8-1, 9-1, 10-2, 11-4, 12-3, 13-1, 14-1, 15-4, 16-1, 17-4, 18-5, 19- (5), 20- (1), 21- (3), 22 (5), 23 (5), 24 (3), 25 (5), 26 (2), 27 (5), 28 (3), 29-2, 30- 1, 31-1, 32-3, 33-3, 34-1, 35-5, 36-4, 37-5, 38-5, 39-2, 40-5, 41-4, 42-5, 43-3, 44-3, 45-2, 46-1, 47-2, 48-3, 49-5, 50-4,

English Sample Practice Paper for IBPS CWET PO CODE 35

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VISVESHVARAYA GRAMEENA BANK RECRUITMENT

VISVESHVARAYA GRAMEENA BANK 

(Vijaya Bank Sponsored, Govt owned Scheduled Bank ),Head office: VIDYANAGAR, P.B.No 41, MANDYA – 571401

Online Applications are Invited from Indian Citizens for appointment as Assistant Managers (Officer Scale-I) (Junior Management) and Office Assistants(Multipurpose)

• Officer Junior Management (Scale I): 7 Posts
• Office Assistant (Multipurpose): 15 Posts

Last Date to Apply: 30-08-2011

Age: 18-28 Years

Application Fee: Rs .300 + 50(Postage) for General/OBC. For SC/ST/PC Only Rs.50(Postage) to be paid in any Vijaya Bank Centre

Download Fee Payment challan here

Selection Process: Written test, Interview

Tenative Test Dates:          Officer Scale-I : 16-10-2011                     Office Assistant : 23-10-2011

Test Centre:Mandya

How to Apply: 

Please find complete details and Apply Online here: http://www.vgbank.in/VG%20Bank/recrutment.htm

Pragathi Gramin Bank (PGB) Recruitment

Pragathi Gramin Bank (PGB)  inviting applications for the recruitment of Office Assistants & Officers

Position- Vacancies – Payscale:
Office Assistant – 64 posts – Rs.11506 /month
Officer (scale II) – 32 posts – Rs.30904 /month
Officer (scale III) – 3 posts – Rs.40940 /month

Dates: Online registration of applications – 17.08.2011 to 16.09.2011

Written examination – 30.10.2011 (assistant) & 13.11.2011 (officer)

Eligibility conditions for Office assistant post,
* Age to be within 18 - 28 yrs as on 1.07.2011
* Should have completed degree or equivalent, as on 31.12.2011
* Be able to read/ write & speak in Kannada language
* Applicant must be resident of Karnataka


Selection process involves Objective test for 200 marks followed by Interview for shortlisted candidates.In addition to negative marks for each wrong answer in written test, it is necessary to secure atleast 40% marks to qualify for Interview.

Application: Fee of Rs.350(Gen/OBC) or Rs.50(SC/ST) can be paid at any Canara bank branch with the payment challan before September 16.After payment receipt is obtained, proceed to apply online at pgbankho.in

Candidates looking to apply for Pragathi Gramin Bank recruitment can download the notice from the bank website for further details

Full Complete Sample Practice Paper for IBPS PO in English

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Full Complete Practice Paper for IBPS PO in English

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General Awareness Sample Practice Peper for Clerical and PO Papers

1. Which of the following terms is used in Banking Field ?
(1) Interest Rate Swap, (2) Input Devices, (3) Sedimentary, (4) Zero Hour, (5) Privilege Motion

2. On which one of the following issues can SEBI penalize any company in India ?
1. Violation of Banking Regulation Act. 2. Violation of foreign portfolio investment guidelines.
3. For violation of Negotiable Instrument Act.
(1) Only 1 , (2) All 1, 2 and 3, (3) Only 1 and 2, (4) Only 2 and 3, (5) Only 2

3. In opinion of the RBI, which one of the following is/are a threat to the smooth functioning of Indian Companies ?
1. Rising input costs., 2. High interest rates., 3. Inflation only.
(1) Only 1, (2) Only 2, (3) Only 1 and 2, (4) Only 3, (5) All 1, 2 and 3

4. Expand the term ALM as used in Banking/Finance sector ?
(1) Asset Liability Mismatch, (2) Asset Liability Maturity, (3) Asset Liability Management
(4) Asset Liability Manpower , (5) None

5. Who amongst the following is the author of the book ‘Half a Life’ ?
(1) Mark Tully, (2) Deepak Chopra, (3) Chetan Bhagat, (4) Ved Mehta, (5) V. S. Naipaul

6. In which one of the following states, village level marketing platform has been set up for the first time in the country ?
(1) Haryana, (2) Maharashtra, (3) Gujarat, (4) Bihar, (5) Kerala

7. Who amongst the following has asked banks to adopt ‘six step’ approach to prevent diversion of funds by the companies ?
(1) Company Registrar, (2) SEBI, (3) RBI, (4) AMFI, (5) All of these

8. Who is Nicolas Sarkozy ?
(1) French Prime Minister, (2) French President, (3) Russian Prime Minister, (4) Russian President, (5) None

9. Through which one of the following sources domestic funds are raised by Companies ?
1. IPO only, 2. FPO only, 3. Commercial papers.,
(1) Only 3 , (2) All 1, 2 and 3, (3) Only 1 and 3, (4) Only 1, (5) Only 1 and 2

10. What are teaser loan rates charged by banks ?
(1) Fixed rate of interest charged by banks, (2) Floating rate of interest charged by banks
(3) Rate of interest in the initial period is less and goes up subsequently
(4) Rate of interest in the initial period is more and it goes down subsequently, (5) None

11. Expand the term CCEA as used in administrative circles—
(1) Cabinet Committee on External Affairs, (2) Cabinet Committee on Economic Affairs
(3) Cabinet Council on External Affairs , (4) Cabinet Council on Economic Affairs, (5) None

12. With which one of the following games, Baichung Bhutia is associated ?
(1) Hockey, (2) Golf, (3) Kabaddi, (4) Football, (5) Tennis

13. What the full form of the term LIBOR as used in financial banking sectors ?
(1) Local Indian Bank Offered Rate, (2) London-India Bureau of Regulations
(3) Liberal International Bank Official Ratio , (4) London Inter Bank Offered Rate, (5) None

14. Expand the term FSDC which is used in financial sectors ?
(1) Financial Security and Development Council, (2) Financial Stability and Development Council
(3) Fiscal Security and Development Council , (4) Fiscal Stability and Development Council, (5) None

15. According to US Department of Agriculture, which one of the following countries in the world is the largest producer of dairy products ?
(1) Australia, (2) USA, (3) China, (4) Norway, (5) India

16. With which one of the following games is ‘Tiger Woods’ associated ?
(1) Golf, (2) Swimming, (3) Tennis, (4) Table Tennis, (5) Badminton

17. For which one of the following States, centre has appointed interlocutors ?
(1) H.P., (2) J & K, (3) Nagaland, (4) Manipur, (5) None

18. Expand the term GSLV—
(1) Geosynchronous Satellite Launch Vehicle, (2) Global Satellite Launch Vehicle
(3) Geosynchronous Station Launch Vehicle , (4) Global Station Launch Vehicle, (5) None

19. With which one of the following sports, the name of Parupalli Kashyap is associated ?
(1) Chess, (2) Tennis, (3) Badminton, (4) Athletics, (5) None

20. Which of the following terms is used in cricket ?
(1) Centre forward, (2) Goal, (3) Love, (4) LBW, (5) Bull’s eye

21. With which one of the following activities, Golden Globe Awards are associated ?
(1) Journalism, (2) Social work, (3) Peace initiatives, (4) Films, (5) None

22. ‘Goodbye Shahzadi’ is a book written by—
(1) Shyam Bhatia, (2) Ashok Mehta, (3) Janardhan Thakur, (4) Arun Gandhi, (5) None

23. With which one of the following sports, Narain Karthikeyen is connected ?
(1) F–1, (2) Tennis, (3) Badminton, (4) Table Tennis, (5) Snooker

24. In which one of the following States, Sabari mala temple is located ?
(1) Tamil Nadu, (2) A.P., (3) Kerala, (4) Karnataka, (5) None

25. Which one of the following will set up core banking infrastructure for rural banks ?
(1) RBI, (2) NABARD, (3) SIDBI, (4) IBA, (5) None

26. Who is Robert Zoelick ?
(1) IMF Chief, (2) World Bank President, (3) ADB President, (4) Chief UNIDO, (5) None

27. Mehbooba Mufti belongs to which one of the following political parties ?
(1) National Conference, (2) PDP, (3) NCP, (4) Janta Dal, (5) None

28. Fixed Deposit also called as .........?
1) Term Deposit, 2) Steer Deposit, 3) Validity Deposit, 4) No Cancel Deposit, 5) Inter Deposit

29. Expand CDSL .........?
1) Central Deposit Source Limited, 2) Central Deposit Signal Limited
3) Central Depository Services Loyalty, 4) Central Dena Services Limited
5) Central Depository Services Limited

30. Credit Creation means .........?
1) giving loans after cancellation of old loan, 2) giving more and more loans to BPL families
3) to expand deposits through expanding their loans and advances
4) to provide more loans to government employees without rate of interest, 5) All of above

31. The best alternative banking service to branch banking to be the part of Financial Inclusion?
1) Establishment of small branches, 2) Setup ATMs, 3) Issuing of ATM cards
4) Giving Credit Cards, 5) Mobile banking

32. Central Bank of India has tie up with .......... to promote vocational training amongst the youth.
1) National Skill Deemed Corporation (NSDC), 2) National Steamed Development Corporation (NSDC)
3) National Skill Development Corporation (NSDC), 4) Notional Skill Development Corporation (NSDC), 5) None

33. Overdraft facility means .........?
1) bank account holders to have a facility to take draft having denomination more than the minimum balance they maintain
2) facility that allows bank to charge more draft charges if they issue drafts having more value than Rs.1,00,000
3) the account holder can take more than one draft in a day in the same branch by paying few charges
4) rural Banks can take more loan than allowed by the RBI from world bank in the month of March every year
5) facility that allows bank account holders to have a negative balance on their bank accounts and pay rate of interest on the excess amount used

34. Which among the following measures can not be taken by the government to tackle the inflation?
1) Financing the areas, where the production of the goods is less, 2) Fixing the MRP of major products to be bought
3) Asking RBI to mint the new currency, 4) Banning the export of goods, 5) None

35. International events given. Pick the wrong one?
1) India helps Nepal in the election management, 2) Newzeland prime minister John Key visited India
3) South Korea signed civil nuclear cooperation agreement with India
4) Ollanta Humala won Mexico presidential election
5) World's longest sea bridge of 36.48 km across the mouth of the Jiaozhou Bay in eastern Shandong Province, in Chin

36. The country's first-ever socio-economic and caste Census to identify people living below poverty line (BPL) started on Jun 29, 2011 at tribal village of Sankhola of .........?
1) Maharashtra, 2) Andhra Pradesh, 3) Jammu, 4) Bihar, 5) Tripura

37. Increase in deposit rate results .........?
1) lower savings, 2) lower investments, 3) increase bank branches, 4) increase savings, 5) none

38. Banks giving the lowest lending in the ......... Part of India.
1) Central, 2) North Eastern, 3) Southern, 4) Western, 5) Northern

39. ......... is a good step if RBI to stop the Capital Outflows and contain the currency depreciation?
1) increase the bank license fee, 2) restricting customers not to use other ATM
3) decrease the interest rates, 4) increase the interest rates, 5) None

40. ......... bank is not a foreign bank?
1) HSBC, 2) IDBI, 3) ANZ, 4) SCB, 5) ICBC

41. Plastic Card of the banks do not include .........?
1) Passport issued by Indian Government, 2) Credit Card issued by SBI, 3) Debit Card issued by ICICI
4) Pre-Paid Card issued by HSBC, 5) ATM Card issued by foreign Banks

42. Authors and Books given. Pick the wrong combination?
1) Straight from the Heart -Bradman, 2) Sunny Days - Gavaskar
3) If Cricket is a Religion, Sachin is God - Vijay Santhanam
4) Wide Angle - Anil Kumble, 5) Standing My Ground - Mathew Hayden

43. Sagar Prahari Bal is the .........
1) India war ship, 2) Indian Sea watching agency, 3) Indian missile water to water, 4) Indian Sea prote ction force
5) President of India ship
44. Many a time we read in newspapers that some big banks have revised their lending rates to make them dearer or cheaper. Though the decision to raise the lending rates is always in the hands of the banks, normally they announce this decision of theirs
(1) immediately after the Union Budget is presented in the Lok Sabha every year.
(2) when the RBI makes changes in its policy rates.
(3) when the Monetary and Credit Policy of the RBI is reviewed periodically.
1) Only A    , 2) Only B    , 3) Only C, 4) Only B & C    , 5) All A, B & C

45.  As a policy to boost the agricultural sector in the country, the Govt of India has taken several special measures over the years Which Of the following cannot be considered a measure/measures which will have a direct impact(s) on the agricultural sector?
A. Setting up of a National Food Processing Bank
B. Opening irrigation, sanitation and water projects for development under public-private participation
C. Efforts to bring down fiscal deficit to 5.5 percent level of GDP
1) Only A    , 2) Only B    , 3) Only C, 4) Only A & B    , 5) All A, B & C

46. As we all know, the rate of MAT has been increased from the present 15% to 18% with effect from Apr 2010. What is the full form of MAT?
1) Maximum Alternate Tax, 2) Minimum Alternate Tax, 3) Minimum Affordable Tax
4) Maximum Affordable Tax , 5) None
47.  Many times we read in newspapers that several companies are adopting the FCCBs route to raise capital. What is the full form of FCCBs?
1) Foreign Currency Convertible Bonds, 2) Foreign Convertible Credit Bonds
3) Financial Consortium & Credit Bureau, 4) Future Credit & Currency Bureau, 5) None

48. Which of-the following is an innovative mechanism adopted by banks to meet the targets fixed for lending to priority sector by the Banks?
1) Buying & Selling of Priority Sector Lending Certification., 2) Sale of Kisan Vikas patra
3) Inter Bank Participation Certificates , 4) Adoption of Core Banking Solution , 5) None
49. Which of the following is NOT a bank or finance company?
1) Barclays    , 2) BNP Paribas, 3) Lufthansa     , 4) HSBC, 5) All are banks/finance companies.

50. The Indian Railways is in the process of purchasing Bullet Train Technology from which of the following nations?
1) France    , 2) China    , 3) Japan, 4) Russia    , 5) Spain
General Awareness Answers: 1- (1), 2-(5), 3- (5), 4 (3), 5- (5), 6- (3), 7- (3), 8- (2), 9- (4), 10- (3), 11- (2), 12- (4), 13- (4), 14- (2), 15- (5), 16- (1), 17- (2), 18- (1), 19- (3). 20- (4), 21- (4), 22- (1), 23- (1) , 24- (3), 25- (2) , 26- (2), 27- (2), 28-1, 29-5, 30-3, 31-5, 32-3, 33-5, 34-3, 35-4, 36-5, 37-4, 38-2, 39-4, 40-2, 41-1, 42-1, 43-4, 44 (4), 45 (3), 46 (2), 47 (1), 48 (4), 49 (3), 50 (3)

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English Practice Paper CWET IBPS PO

ENGLISH LANGUAGE
Directions (Q.1-15): Read the following passage carefully and answer the questions given below-it. Certain words/phrases have been printed in bold to help you locate them while answering some of the questions.

There are various sectors in India that are to be assessed - for their strengths, weaknesses, opportunities and threats. The total population is over 1 billion, which will increase to 1.46 billion by 2035 to cross China. The huge population will result in higher unemployment and deterioration of quality, Literacy in India is yet another factor to be discussed. According to the 1991 Census, 64.8% of the population was illiterate. The major downtrend of education is due to child labour, which has spread all over India, and this should be totally eradicated by way of surveillance and a good educational system implemented properly by the Government.
Pollution is one more threat to the environment and for the country's prospects. This has been experienced more in urban areas, mainly in metropolitan cities. The water pollution by the sewage seepage into the ground water and improper maintenance will lead to various diseases, which in turn will affect the next generation. In most of the cities there is no proper sewage disposal. The Government has to take effective steps to control population, which, in turn, will minimize the pollution.
Poverty questions the entire strength of India's political view and minimises the energetic way of approach. The shortfall of rains, enormous floods, unexpected famine, drought, earthquake and the recent tsunami hit the -country in a negative way. The proactive approach through effective research and analytical study helps us to determine the effects in advance. Proper allocation of funds is a prerequisite. In developed countries like the US and Japan, precautionary methods are adopted to overcome this, but it has to be improved a lot in our systems.
Increased population is one of the major reasons for poverty and the Government is unable to allocate funds for basic needs to the society. India has nearly 400 million people living below the poverty line and 90% of active population is in informal economy. The children are forced to work due to their poverty and differential caste system. They work in match industry for daily wages, as servants, mechanics, stone. breakers, agricultural workers, etc. To prevent child   labour existing laws which favour the Anti Child Labour Act should be implemented by the Government vigorously.
More population results in cheap cost by virtue of the demand-supply concept. Most of the foreign countries try to utilise this factor by outsourcing their business in India with a very low capital. According to the US, India is a “knowledge pool" with cheap labour. The major advantage is pur communication and technical skill, which is adaptable to any environment. The cutting-edge skill in IT of our professionals helps the outsourcing companies to commensurate with the needs of the consumers in a short span. The major competitors for India are China and Philippines and by the way of an effective communication and expert technical ability, Indians are ahead of the race. The major metropolitan states are targeting the outsourcing field vigorously by giving various amenities to the outsourcing companies like tax concession, allotting land, etc, to start their businesses in their cities without any hurdles. Thereby most of the MNCs prefer India as their destinations and capitalise the resources to maximise their assets. Infrastructure is another key factor for an outsourcing company to start a business in a particular city. It includes road, rail, ports, power and water. The increased input in infrastructure in India is very limited where China's record is excellent.
India in earlier days gave more importance to the development of Industry and less importance to other departments. But the scenario has quite changed nowadays by allocating a special budget of funds for security. This is because of the frightening increase in terrorism all around the world, especially emerging after the 9/11 terror attack in the US. In the last ten years, budget towards the development of military forces is higher when compared to others. It shows that the threat from our neighbouring countries is escalating. India has to concentrate more on this security factor to wipe out the problem in the way of cross-border terrorism.
Making India a developed country in 2020 is not an easy task. India has to keep in check a variety of factors in order to progress rapidly. To quote China as all example is that they demolished an old building to construct a very big port to meet future demands, but India is still waiting for things to happen. The profits gained by India through various sectors are to be spent for the development and welfare of the country. India's vision for a brighter path will come true not only by mere words or speech, but extra effort is needed at all levels to overcome the pitfalls.
1. Which of the following is/are the facility (ies) available to MNCs investing in India?
(A) Easy availability of land (B) Better infrastructure than China (C) Tax concessions
1) Only (C), 2) All (A) , (B) and (C), 3) Only (A) and (B), 4) Only (A) and (C), 5) None of theseAns: (4)

2. Which of the following ,according to the author, is a result of poverty in India?
1) Lack of a robust security system 2) Child labour and the resulting dearth of educated youth
3) Floods, famines and other calamities 4) Rapid increase in population
5) None of theseAns: (5)
3. How, according to the author, can the effects of floods, famines, droughts etc be minimised?
1) By limiting pollution, thereby reducing the chances of such event taking place
2) By educating the children about the ill – effects of such calamities who in turn will help during the time of need
3) By following the US system of providing relief to its citizens
4) By allotting proper funds for research which can predict the outcome of such calamities and thus design relief measures
5) None of these Ans: (4)
4. Why, according to the author, is India one of the favourite destinations for investment by outsourcing companies?
(A) Shorter response time for clients, (B) Better technical skills. (C) Availability of cheap labour.
1) Only (C), 2) All (A), (B) and (C), 3) Only (B) and (C), 4) Only (A) and (B), 5) Only (A)Ans: (3)

5. Which of the following is/are true in the context of the passage?
(A) India leads the way in the amount invested in the development of infrastructure.
(B) Political system in India is not influenced by poverty.
(C) Indian population would increase by approximately 50 per cent in the next twenty five years.
1) Only (A) and (B), 2) Only (B), 3) Only (C), 4) Only (B) and (C), 5) All (A) , (B) and (C)Ans: (3)
6. Which of the following, according to the author, is/are a result(s) of increased population in India?
(A) Pollution, (B) Poverty, (C) Unemployment
1) Only (A)        , 2) Only (A) and (B), 3) Only (B)        , 4) Only (A) and (C), 5) All (A) , (B) and (C) Ans: (5)
7. Why, according to the author, has the Indian Government allotted more funds to, strengthen the military forces?
1) To improve security in order to counter increasing terrorism.
2) As the security in India over the past ten years was grossly inadequate
3) As the US too has strengthened its military forces after the 9/11 attack
4) As the Industry is developed enough and is not in need of any more funds
5) None of these Ans: (1)
8. What is the author’s main objective in writing this passage?
1) To exhort the Government to garner support from its neighbouring countries
2) To suggest to the Government to follow China’s example blindly, thereby bringing about rapid development
3) To highlight the plight of the poor
4) To discuss the problem of child labour and suggest suitable remedies
5) To bring forth the problems associated with India’s development and to suggest measures to counter themAns: (5)
Directions (Q.9-12): Choose the word/group of words which is most similar in meaning to the word/group of words printed in bold as used in the passage.
9. SURVEILLANCE: 1) spying             2) cameras           ,, 3) security, 4) observation   , 5) alertnessAns: (5)
10. PREREQUISITE: 1) result              , 2) association      , 3) necessity, 4) factor              , 5) mysteryAns: (3)
11. PROSPECTS: 1) assimilation, 2) demand, 3) future, 4) brochure        , 5) diagnosis  Ans: (3)
12. COMMENSURATE: 1) match             , 2) extracting , 3) contemplating, 4) request           , 5) employingAns: (1)
Directions (Q.13-15): Choose the word/group of words which is most opposite in meaning to the word/group of words printed in bold as used in the passage.
13. LIMITED: 1) abundant        , 2) complete         , 3) flowing, 4) inadequate     , 5) encompassing Ans: (1)
14. DIFFERENTIAL   : 1) solitude    , 2) homogeneous    , 3) synonymous, 4) unique    , 5) different Ans: (2)
15. VIGOROUSLY: 1) simply            , 2) regularly         , 3) roughly, 4) softly           , 5) lenientlyAns: (4)
Directions (Q.16-20): Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below.

(A) With all the bid information being available and tracked online, corruption has considerably reduced.
(B) Today, most, ie over ninety-five per cent, households, in the city enjoy. broadband connection.
(C) All city contracts are now bid for online.
(D) Over twenty years ago the city government, Central Government and the private sector made a concerted effort to shift the economy to include IT.
(E) As our cities do expand and become more complex, such a system will make governance more manageable.
(F) This level of connectedness has changed not only the city's economy but also how it is governed and how business is conducted.
16. Which should be the FIRST sentence after rearrangement? l) A    2) B    3) C,4) D    5) EAns: (4)    
17. Which should be the SECOND sentence after rearrangement? 1) A    2) B    3) C,4) D    5) FAns: (2)
18. Whichshould be the THIRD sentence after rearrangement? 1) A    , 2) C    , 3) D, 4) E    , 5) F Ans: (5)
19. Whichshould be the FIITH sentence after rearrangement?  1) A    , 2) B    , 3) C, 4) D    , 5) E Ans: (1)

20. Which should be the LAST sentence after rearrangement? 1) B    , 2) C    , 3) D, 4) E    , 5) F Ans: (4)

Directions (Q.21-25): Which of the phrase 1), 2),3) & 4) given below should replace the phrase given in bold in the following sentence to make it meaningful and grammatically correct? If the sentence is correct as it is and no correction is required, mark 5) as the answer
21. Bank charge differently rate of interest depending on the size of the loan.
1) difference in rate of interests, 2) differently what rate of interest
3) different rates of interest, 4) the different rate of interestAns: (3)
22. It is necessary that we take any steps to reduce pollution soon.
1) we should take every, 2) we have taken no
3) us to take any, 4) we take some Ans: (4)
23. It is too early to say how the impact the new tax will have on investors.
1) what impact, 2) that the impact, 3) how much impacts, 4) what are the impacts of Ans: (1)
24. Kindly ask his advice regarding the various health insurance policies presently available.
1) him to advise that, 2) regarding his advise, 3) that he should advice, 4) about his advice Ans: (5)
25. Unfortunately many of our towns and cities do have more good transportation systems:
1) have a good                 , 2) not have good
3) not have much good    , 4) not having better Ans: (2)
Directions (Q.26-35): Read each sentence to find out whether there is any grammatical error or idioma tie error in it. The number of that part is the answer. If there is no error, the answer is 5). (Ignore errors of punctuations, if any.)
26. Some genuine issues exist /1 with the newly adopted /2 system and needs/3 to I be examined seriously. /4Ans: (3)
27. Whether or not to confront /1 them about their role /2 in the matter is a decision /3which is yet to take. /4 Ans: (4)
28. The government is still in the /1 process of finalized new/2 policy / guidelines for the allocation of land /3 to private sector organisations./4 Ans: (2)
29. According to government estimates /1at least four millions tonnes of sugar /2will have to be imported /3 this year because of a poor monsoon./4

Ans: (2)
3o. In our experience people usually /1 value things that they have to /2 payoff more than those that /3 they receive free of cost. /4

Ans: (3)
31. At present China is the /1 world's leader manufacture /2 of environment-friendly products /3 such as electric cars and bicycles. /4

Ans: (2)
32. Over eighty per cent from us /1 feel that if we had taken /2 Some corrective measures earlier /3 the crisis could have been averted. /4

Ans: (1)
33. The manager of that city branch /1 cannot handle it with the help of /2 only two personnel as /3 business has increased substantially/4

Ans: (3)
34. With the literacy rates in this /1 region as low as ten per cent /2 we need to encourage /3 local people to build schools. /4 Ans: (5)
35. While-providing such facilities/1 online makes it covenient  /2 and easily accessible for customers, /3 we face several challenges. /4Ans: (5)
Directions (Q.36-40): In each question below a sentence with four words printed in bold type is given. These are numbered as 1),2),3) and 4).•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 5), ie' All correct', as your answer.
36. The bank's fluctuating/1 performance over the prior/2 year has been a major/3 cause/4 for concern. All correct Ans: (2)
37. An economy relies/1 on its access to dependable/2 and affordable/3 sources of energy. All correct Ans: (5)
38. Researches have used data prevalent/1 to manufacturing companies to illustrate/2 the harmful/2 impacts/2 of technology on the environment. All correct Ans: (1)
39. Such a situation/1 is neither feasible/2 nor desirable/3 in a democratic country like ours/4. All correct Ans: (5)
40. The gradual/1 withdrawal/2 of such safety/3 mechanisims/4 will affect small and medium industries the most. Ans: (4)
Directions (Q.41-50): 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. The world's climate has always changed and species have evolved accordingly to survive it. The surprising fact about the (41) between evolution and global warming (42) that it is not linear. (43) temperatures alone are not (44) of evolution. Evolution is also the (45) of seasonal changes. As the environment (46) those species which don't adapt (47) to exist . But the sheer (48) of manmade climate change today is (49). 'Bad things are happening' and by one (50) global warming could threaten up to one-third of the world's species if left unchecked. In fact; a lot of the species which will be able to survive are the ones we consider pests like insects and weeds.
41.  1) difference         ,        2) similarity,       3) argument         ,        4) relationship,       5) alliance             Ans: (4)
42.  1) being               ,            2) seems,       3) mainly            ,        4) besides,       5) is Ans: (5)
43.  1) However         ,        2) Mounted,        3) Rising             ,       4) Elevating,       5) IncliningAns: (3)
44.  1) means               ,        2) triggers,       3) responses         ,       4) threats,       5) stimulus Ans: (2)
45.  1) result                ,        2) precursor,       3) resistance        ,        4) cause,       5) provocationAns: (1)
46.  1) conserves         ,        2) stifles,       3) predicts           ,       4) changes,       5) emergesAns: (4)
47.  1) continue           ,        2) halt,        3) cease                ,        4) terminate,        5) discontinueAns: (3)
48.  1) luck                  ,      2) value,       3) collapse           ,       4) pace,       5) attentionAns: (4)
49.  1) threatened        ,       2) pursued,       3) unprecedented,       4) record,       5) debatedAns: (3)
50.  1) forecast                             ,       2) chance,       3) pattern                              ,       4) occasion,       5) imaginationAns: (1)