Q.1-10. In the following passage there are blanks each of which has been
numbered. These numbers are printed below the passage and against each
five words have been suggested, one of which fits the blanks appropriately.
Find out the appropriate word in each case.
It is the festival season when we look at the (1) side of life and celebrate.
So, let me look at the positives for the economy and exporters. By all
accounts, rural India is doing better than a decade earlier and poverty has (2)
significantly. This is likely to unleash a fresh wave of entrepreneurship that will
bring in fresh talent and ideas in (3) - initially in small businesses. Eventually,
some of the new entrepreneurs will emerge as significant wealth creators in
their own right and contribute to growth, competition, employment and overall
sense of wellbeing.
Some evidence of the quiet revolution in rural areas is already visible
during travels, in terms of enhanced consumption and aspirations. I expect
significant growth in the unorganized sector that will in due course play a
momentous role in driving (4) and processes, besides shaping attitudes and
politics. I see this as a very positive development and given the churn at the
ground level and hope and ambition of the youth in the country, the direction
or the pace of change is unlikely to be reversed.
At the moment, exporters are breathing easy after reasonable weakening
of the rupee to compensate somewhat for the rise in domestic costs. The past
four months have seen exports rise at double-digit growth rates. This
celebration can go on till the flipside of a weaker rupee, higher costs, catches
up again but for the moment, we can revel in the hope that the revival of
developed economies, however slow, will help sustain the export momentum
and contribute to (5) the current account deficit to manageable levels. There
could also be some comfort that the export basket has been widened, with
incentives under the Vishesh Krishi Gram Udyog Yojana and Focus Product
Scheme. And, that export destinations have also become more diverse
with the Focus Market Scheme. The scheme to incentivize incremental
exports should also encourage exporters. There is no harm in dreaming that
plentiful rain this year will help higher farm production that will (6) inflation and
help bring down the interest rates. In turn, this could revive demand for goods
and services to improve infrastructure and demand for consumer
durables, low cost housing and so on. Incremental reforms, approvals for
projects stuck since long, lifting the blanket ban on activities like mining,
curbing wasteful expenditure, etc, should help the economy (7) the declining
trend. Industrial production is more likely to grow at a better (8) than in the
past couple of years. The stock market is already celebrating. The build up to
the global trade talks scheduled at Bali, Indonesia, early next month suggest a
ray of hope that these will result in a broad consensus on farm subsidies in
rich countries, trade facilitation and development issues. Even if the talks (9),
their immediate impact might be negligible but success in any measure at Bali
could (10) the way for a more balanced multilateral trading regime a few years
ahead.
Q.1. (1) Materialistic (2) brighter
(3) darker
(4) gloomy
(5) quality
(3) sustained
(2) families
(3) lowering
(2) invade
(3) infuriate
(4) mingle
(5) moderate
(2) reverse
(3) defined
(4) hope
(5) shelter
(2) marginal
(3) walk
(4) circle
(5) intention
(2) happened
(3)succeed
(2) turn
(3) mark
(4) pave
(5)sparkle
Q.11-15.In each of the following sentences there is a blank space given. Below each
five words have been denoted by numbers (A), (B), (C) and (D). Find out
which two words can be filled up in the blank alternatively to make the
sentence meaningfully complete.time
Q.11. As per the directive of the Supreme Court, retailers must verify the -of
the customers before issuing the SIM card.
(A) Identity
(B) dilemma
(C) details
(D) technique
(1) A and D
(2) A and C
(3) B and C
Q.12. Rules are blatantly and the authorities whose job is to ensure
their implementation seem to have turned a blind eye towards the problem.
(A) Enquired
(B) flouted
(C) violated
(D) functioned
(1) A and B
(2) B and D
(3) B and C
Q.13. In the past two days, -100 people visited the exhibition to have a
glimpse of the photographs.
(A) Merely
(D) hardly
(1) C and D
(2) B and D
(5) B and C
(3) A and B
(4) A and D
Q.15-20.In each question below a sentence with four words printed in bold type is
given. These are numbered (1),(2),(3) and (4) . One of these four words
printed in bold may be either wrongly spelt or inappropriate in 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 & also appropriate in the context of the sentence, mark (5) "All
correct" as your answer.
Q.15. Normally people shy away from expressing anger on the face but find it ease
to pen down their
(1)
(2)
(3)
grievances All correct
(4)
(5)
Q.16. Light woollens are gradually making their appearance as night temperature
has dipped sharply in
(1)
(2)
(3)
the last three days across the state All correct
(4)
(5)
Q.17. The Indian pharmasuetical industry has been growing by leaps and bounds
and India is increasingly
(1)
(2)
(4)
(5)
Q.18-20.Which of the Phrases(1), (2) (3) and (4) given below each sentence should
replace the phrases printed in bold in the sentence to make it grammatically
correct. If the sentence is correct as it is given and no correction is required,
mark (5) as the answer.
Q.18. There are several instances where unorganized workers are paid Rs 2,500
per month despite work for more than seven to eight hours a day.
(1) Inspite of work for more than (2) Inspite working for more than
(3) Despite working for more than
than
(2)
Flood
for
political
Q.21-30.Rearrange the following sentences (A),(B),(C), (D),(E), (F) and (G) in the
proper sequence to form a meaningful paragraph, then answer the questions
given below them.
(A) Property deals, bullion and jewellery purchases financial market
transactions rigging of markets through entities claimed to be constituted
(B) Of black money into the legitimate financial system through instruments
such as convertible debentures.
(C)
About a third of Indias black money transactions are believed
to be in real estate, followed
by manufacturing and shopping for gold and
consumer goods.
(D)
Or the informal banking route are among the common
methods used for generating black money.
(E) Convertible debentures are instruments through which an investor
exchanges the funds he had lent , into equity at later date thus making them
legitimate shareholders of the company.
(F) For non-profit motive differing tax rates in different tax jurisdictions underinvoicing and money laundering using the hawala
(G)
Investment in hundreds of unlisted companies are the
governments scrutiny as they are used to funnel thousands of crores of
rupees.
Q.21. Which of the following would be the SECOND statement after rearrangement?
(1) B
(5)C
Q.22. Which of the
rearrangement?
(1) A
(5) B
(2) F
following
would
(2) G
be
the
(3) A
(4)
SEVENTH
statement
(3) C
(4)
after
E
Q.23. Which of the following would be the FIRST statement after rearrangement?
(1) F
(5) A
(2) E
(3) C
(4)
Q.24. Which of the following would be the FOURTH statement after rearrangement?
(1) B
(5) E
(2) G
(3) D
(4)
Q.25. Which of the following would be the THIRD statement after rearrangement?
(1) F
(5) D
(2) C
(3) A
(4)
Q.26-30.Read the following passage carefully and answer the questions given below
it. Certain words have been printed in bold to help you locate them while
answering some questions.
There was a time when banks were ineffective in loan recovery when retail
borrowers defaulted. The Indian legal system moves at a snails pace. The
Reserve Bank of Indias (RBI) intervention ensured banks had to stop using
arm-twisting tactics to collect retail debts. That is when the Credit Information
Companies Regulation Act (CICRA) and the increasing effectiveness of the
credit bureaus licensed under it came to the rescue and, today, intentional
defaults for retail loans are down to a trickle. Thanks to credit bureaus, banks
now have access to a consumers previous loan history and can deny credit to
those who had defaulted. This denial of credit from the formal system is an
effective tool to control intentional defaults. Thats why the retail lending books
of banks have not seen any significant defaults, despite the challenging
economic scenario. That brings us to the subject of this article. The pendulum
has perhaps swung away to the other extreme from the time when banks were
helpless spectators to a borrower defaulting, to the current scenario where a
bank has the power to deny credit to the borrower if he defaults with them.
While it is not my intention to bat for defaulters, people being wrongly branded
as defaulters is a very serious issue, especially where banks have this power
completely in their hands.
There have been numerous cases where credit card companies debited
annual fees (after promising free for life credit cards) or insurance premiums
without their customers permission. Earlier consumers dealt with it by simply
not paying for such unjustified debits. Now, the reporting of these so-called
defaults has led to stoppage of availability of credit to them for home loans or
car loans or credit cards. They now have to fight the bank at the banking
ombudsman level or in consumer courts. How unjustified these charges are,
can be gauged from the fact that most of these disputes bought before the
ombudsman or consumer courts have been decided in favour of the
consumer, as banks simply have no leg to stand on. Yet, that has not led to
banks re-looking at the data supplied by them to credit bureaus earlier and
voluntarily changing it. The reason is simple. They get away by changing the
data for only those consumers who choose to fight it out.
Most consumers meekly pay up. Credit bureaus have clearly become a
weapon that the banks wield even against a consumer who deserves much
better. CICRA provides that banks will take due care to ensure the data
relating to the credit information maintained by them is accurate and complete
while providing data to credit bureaus. Even when clear errors are pointed out
to the banks for correction, they often initially take a hostile position, claiming
their data is correct till they are forced by the banking ombudsman or the
consumer courts to relent. Although regulations provide for fines for negligent
reporting by the banks, there is no reported instance of any such fines being
levied despite proven widespread mis-reporting by the lenders, especially
credit card issue. Credit bureaus take a stance that they are merely a
reporting institution and unless the banks correct the data, they cannot do
anything. This is contrary to the CICRA rules requiring them to mark that such
entries are disputed by the consumer and await resolution. There is also no
laid-down grievance procedure with independent oversight over such an
important institution with such mighty power to control your economic life.
Banks have unfettered power to report whatever they wish to credit bureaus,
as well as amend it with retrospective effect, with no impact on them for wrong
reporting. These powers are already being misused. Reportedly, some nonbanking financial companies are buying the defaulting credit card and
personal loan portfolios of a bank. Then they are able to collect from
consumers by promising to wipe out the default from credit bureaus books if
paid a certain amount. This unfettered right to amend credit bureaus records
with retrospective effect, without any penalty for wrong reporting in the first
place, is already being misused and can lead to serious consumer issues.
Hopefully, the new consumer-friendly dispensation at RBI will throw some light
into this rather dark regulatory corner and make (and enforce) rules and levy
some stiff fines to bid this incipient mischief in the bud. Meanwhile, consumers
have to grit their teeth and fight it out.
Q.26. Which of the following is the function of a credit bureau?
(1) It provides information of the persons credit history and cases of default.
(2) It provides credit in case the consumer wants to borrow huge amount of
money.
(3) It keeps information of all the banks issuing credit.
(4) It ensures that the rights of the customers are protected and justice is not
denied.
(5) It eases the process of taking credit from the banks.
Q.27. What is meant by The pendulum has perhaps swung away to the other
extreme as mentioned in the passage?
(1) The situation has become worse as the banks have become lenient in
giving credit to
consumers.
(2) The balance should be maintained between the credit policy and the rights
of the consumers.
(3) The time to take action in case of loan default has passed.
(4) The power to sanction credit to any person is fully in hands of the banks
now.
(5) Not clearly mentioned in the passage
Q.28. What would be the consequence/ consequences , if the customer refused to
pay for unjustified debits if he is a borrower?
(A) He might have to get his issue resolved at the banking ombudsman level.
(B)
(C)
(1) Only A
(2) Only B
(5) All of the above
Q.29. What has been termed as
passage?
(3) Only C
(4)
Only
and
(2) Judged
QUANTITATIVE APTITUDE
Q.31-40. What value will come in place of question mark (?) in the following
questions given below ?
Q.31. (555 55 5) 50 =?
(1) 3062.5
these
(2) 3052.5
(3) 3862.50
(4) 3065.5
(5)
None
of
(3) 1519.125
(4) 1509.125
(5)
None
of
(2) 3628
(3) 3618
(4) 3608
(5)
None
of
(2) 97
(3) 99
(4) 9801
(5)
None
of
(5)
None
of
Q.33.
3
5
of
2
3
of
1
5
(2) 1709.125
of 48885 = ?
(1) 4518
these
? 27 15876
Q.34.
(1) 9409
these
Q.35. 4
4
2
6 32 1.6 ?
5
5
(1) 20
these
3
4
(2) 20
7
8
(3) 19
3
4
(4) 18
3
8
(1) 48
these
93
171
(2) 41
275
405
(3) 49
(4) 44
(5)
None
of
Q.37. 1
1.5
6.5
(1) 3.5
these
Q.38. 11
372
48
15
(3) 3
337
81
(2) 326
15
(1) 36375
these
Q.40. 3
41.75
(2) 3.75
(1) 306
these
Q.39. 5
15.5
675
(2) 30375
90
630
5040
(5)
None
of
(4) 436
(5)
None
of
(4) 30765
(5)
None
of
?
(3) 316
45
(4) 4.50
?
(3) 31365
?
(1) 46360
(2) 45860
(3) 45360
(4) 45460
Q.41. Seema and Meenu divide a sum of Rs. 3000 in the ratio 3 :1 respectively .If
Rs. 500 are added to each of their shares.What would be the new ratio formed
?
(1) 11 : 6
these
(2) 6 : 11
(3) 9 : 2
(4) 2 : 9
(5)
None
of
Q.42. A bus covers a distance of 180 km. in 4 hrs. What is the speed of the bus
(m/s)?
(1) 13.5
these
(2) 15.5
(3) 12.5
(4) 16.5
(5)
None
of
Q.43. In how many different ways can the letters of the word 'BOTTLE' be
arranged ?
(1) 720
these
(2) 5040
(3) 120
(4) 360
(5)
None
of
(2) 136 m.
(4) 132 m.
(3) 130 m.
Q.45. What will be compound interest on a sum of Rs. 9000 at 4 per annum in 3
years? (two place of decimal)
(1) Rs.1143.77
(2) Rs.1223.77
(3) Rs.1123.77
(4) Rs.1133.77
Q.46. A bag contains 13 red and 7 green balls.Two balls are drawn at random. What
is the probability that they are of the same colour ?
(1)
None of these
44
190
(2)
49
190
(3)
99
190
(4)
79
190
(5)
Q.47. The ratio of the ages of A : B seven years ago was 3 :4 respectively.The ratio
of their ages 9 years from now will be 7: 8 respectively.What is B's age at
present ?
(1) 29 years
(2) 32 years
(3) 33 years
(4) 23 years
Q.48. The cost of 64 pens and 76 pencils is Rs 788.What is the cost of 16 pens and
19 pencils?
(1) Rs.197
(2) Rs.187
(3) Rs.196
(4) Rs.195
Q.49. 12 men and 8 women can earn Rs. 13640 in 11 days.6 men and 10 women
can earn Rs. 13800 in 15 days .In how many days will 10 men and 15 women
earn Rs. 8700?
(1) 4 days
(2) 8 days
(4) 5 days
Q.50. If a : b : c = 2 : 3: 4 then
(1) 7 : 4 : 3
these
1 1 1
: :
a b c
(2) 6 : 4 : 3
(3) 6 days
is equal to -
(3) 5 : 3 : 1
(4) 7 : 5 : 2
(5)
None
of
Q.51. A single discount equivalent to a discount series of 30%,20% and 10% is (1) 48.75%
these
(2) 49.60%
(3) 52.75%
(4) 46.75%
(5)
None
of
Q.52. The HCF and LCM of two number are 11 and 385 respectively.If one number
lies between 75 and 125,then that number is (1) 55
these
(2) 77
(3) 66
(4) 45
(5)
None
of
Q.53. The ratio is the volume of two sphare is 8 : 27 .Find the ratio of their surface
areas?
(1) 4 : 9
these
(2) 9 : 4
(3) 2 : 3
(4) 3 : 2
(5)
None
of
Q.54. The height of a wall is six times its breadth and the length of the wall is seven
times its height .If volume of the wall is 16128 m 3 its width is(1) 16 m.
(2) 12 m.
(3) 7.5 m.
(4) 14 m.
(5) 18 m.
Q.55. A group consists of 20 boys and 30 girls.The average weight of a boy is 75 kg.
and that of a girl is 50 kg. average weight of the group is(1) 65 kg.
(2) 62 kg.
(4) 64kg.
(3) 60 kg.
Q.56-60.In the following question two equation numbered I and II are given .You
have to solve both the equations and give answer if Given answer If(1) x > y
(2) x > y
(4) x < y
established.
Q.61. I.
1225x 4900 0
(3) x < y
Q.62. I. x2 + 19 x + 90 = 0
Q.63. I. x2 23 x + 132 = 0
II. y2 15 y + 56 = 0
Q.64. I. x2 22 x + 120 = 0
II. y2 26 y + 168 = 0
Q.65. I. x2 + 17 x + 72 = 0
II. y2 + 12 y + 32 = 0
REASONING ABILITY
Q.66-68.Each question below is followed by a statement and two arguments I and II.
You have to decide which of the following arguments is a strong argument and
which is a weak argument. In making decisions about important questions, it is
No, Such persons cannot serve the cause of the people and country.
Arguments:
I.
II. No, During peace, this money could be used for the development of the
country.
Q.68. Statement:
Council?
Arguments:
I.
Yes, India has emerged as a country which loves peace and amity.
II. No, Let us first solve problems of our own people like poverty, malnutrition.
Q.69-73.Study the following information carefully and answer the questions given
below:
(i) Eleven students, A, B, C, D, E, F, G, H, I, J and K, are sitting in the first
row of the class facing the teacher.
(2) C
(3) G
(4) I
(5)
None
of
(5)
None
of
(2) CHDF
(3) IBJA
(4) ICHDF
Q.71. Which of the following statements is true in the context of the above sitting
arrangements ?
(1) There are three students sitting between D and G.
(2) K is between A and J.
(3) B is sitting between J and I.
(4) G and C are neighbours and are sitting to the immediate right of H.
(5) None of these
Q.72. In the above sitting arrangement, which of the following statements is
superfluous ?
(1) (i)
these
(2) (ii)
(3) (iii)
(4) (iv)
(5)
None
of
Q.73. If E and D, C and B, A and H and K and F interchange their positions, which of
the following pairs of students is sitting at the ends ?
(1) D and E
these
(2) D and K
(3) K and F
(4) D and A
(5)
None
of
Q.74-78.In each question given below four/three statements are followed by two
conclusions numbered I and II. You have to take the given statements to be
true even if they seem to be at variance from the commonly known facts.
Read the conclusions and decide which logically follows.
Give answer -
(1)
(2)
(3)
(4)
(5)
Q.75. Conclusions:
I. No sunflower is lilies.
II. Some lilies being flower is a possibility.
Q.76. Statements:
Q.77. Statements:
Q.78. Statements:
fields namely A, B, C, D and E and three of them worked in dual fields with
none of the three having the same set of fields. Deena interned in dual fields
of A and E and earned the least. Beena worked in C, earned more than
Reena, Cheena and Teena and had the third highest earning. Veena interned
in B and earned less than only Pinki, who worked in a dual field. Cheena
earned more than Teena but less than Reena. Teena worked in A and earned
more than Seema, who interned in a dual field of B and E. Two students had D
as their field of work. All eight had different earnings. C and D were not a part
of the dual field internships.
Q.79. Which of the following had working field D?
(1) Pinki, Cheena
(2) Reena, Cheena
(4) Deena, Reena (5) None of these
(3) Pinki,
Reena
(2) A, B
(3) A, E
(4) D, E
(5)
None
of
(3) Only
Reena
(3)
Veena,
Q.83. Which of the following fields was the most opted for? (It may be single or a
part of dual field)
(1) B
(2) A
(5) None of these
(3) E
(4)
Both
&
Q.84-88.In the following questions, the symbols $, *, #, @ and % are used with the
following meaning as illustrated below:
A $ B means A is neither smaller nor equal to B
A * B means A is neither greater nor equal to B
A # B means A is not greater than B
A @ B means A is not smaller than B
A % B means A is neither smaller nor greater than B
J $ U, N * P, U $ D, E # D, E % N
I. J $ P
II. P @ U
C * D, T $ G, D # E, N @ T, E $ N
I. E @ C
II. E $ G
X @ Y, U @ D, Y $ F, L $ U, D $ X
I. L $ F
II. U $ F
L # Q, T # S, P * C, S $ P, Q * T
I. S @ L
II. S $ C
U @ V, T # N, S $ U, V * T, N * M
I. S $ M
II. M @ S
Q.89-93.A word and number arrangement machine when given an input line of
words and numbers rearranges them following a particular rule in each step. The
following is an illustration of an input and rearrangement given below.
Input :
Step I:
Step VII:
Step VIII:
As per the rules followed in the above Input, give the answer of the following
questions.
Input : sight 96 risk 16 axe 58 fool 07 heal 52 excellent 11
Q.89. Which step will be the last step of the above input?
(1) IX
(2) X
(3) XI
(4) XII
(5) VII
Q.90. Which element will be sixth from the left in step V of the given input?
(1) 58
these
(2) 96
(3) risk
(4) 16
(5) None
of
Q.91. For the given input, which of the following will be third step?
(1) excellent axe sight risk 96 16 58 fool heal 52 07 11
(2) excellent axe sight 96 risk 16 58 fool heal 52 07 11
(3) axe sight 96 risk 16 58 fool heal 52 excellent 11 07
(4) excellent axe sight 96 risk 16 58 fool heal 52 11 07
(5) None of these
Q.92. "heal fool excellent axe sight 96 risk 58 07 11 16 52" will be which step in the
given input?
(1) VII
(2) IX
(5) None of these
(3) VIII
(4) X
Q.93. Which element will be 7th from the right end in step VIII of the given input?
provided in the statements are sufficient to answer the question. Read both
the statements and Give answer(1) If the data in statement I alone are sufficient to answer the question.
(2) If the data in statement II alone are sufficient to answer the question.
(3) If the data either in statement I alone or in statement II alone are sufficient
to answer the question
(4) If the data given in both statements I and II together are not sufficient to
answer the question and
(5) If the data in both statements I and II together are necessary to answer the
question.
II. All the three flats on the ground floor of wing A are unoccupied.
Q.99. Does drinking coffee lead to headache?
I.