GURGAON GRAMIN BANK PO EXAM 2010 SOLVED PAPER

GENERAL AWARENESS:

1. Which of the following is a programme to provide electric connections to those living

below poverty line ?
(A) MPLADS
(B) Kutir Jyoti
(C) Ganga Kalyan Yojana
(D) Sangam Yojana
(E) None of these
Ans : (B)

2. As per the guidelines issued by the SEBI the Permanent Account Number (PAN) is a
must for which of the following ?
(A) Demat Accounts
(B) All Saving Banks Accounts
(C) All Housing Loan Accounts
(D) All Current Accounts
(E) None of these
Ans : (A)

3. For getting National Old Age Pension the age of the person should not be less than—
(A) 50 years
(B) 55 years
(C) 58 years
(D) 60 years
(E) 65 years
Ans : (E)

4. Many a times we read about the priority sector in newspapers. Which of the following
is/are considered segment(s) of Priority Sector in India ?
1. Agriculture
2. Small Scale Industry
3. Textile Industry
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (A)

5. The average size of holdings in India is about 2 hectares or 5 acres. What problems do
farmers normally face due to this ?
1. Proper irrigation facilities are not possible for these farms.
2. Scientific and advanced techniques are very expensive for these farms.
3. It does not pose a problem for them. These farms are ideal in size. Hence all sorts of
advanced methods can easily be used for them.
(A) Only 1
(B) Only 2 is correct
(C) Only 3 is correct
(D) Both 1 and 2 are correct
(E) None is correct
Ans : (B)

6. Which of the following is considered a technological factor in the productivity of

agricultural land ?
(A) Inadequate irrigation facilities
(B) Size of holding
(C) Pattern of Land Tenure
(D) Type of marketing facilities in the area
(E) All the above
Ans : (A)

7. Many times we read a term ‘Free Market’ in newspapers. What does it mean ?
[Pick up the correct statement(s)]
1. It is a market where pricing is driven by the laws of supply and demand.
2. In free market things are available without restraints of the government
3. In such markets goods are free from extraneous influences such as tariff or quotas.
(A) Only 1
(B) Only 2
(C) Only 3
(D) 1 and 2 both
(E) 1, 2 and 3 all
Ans : (E)

8. Earlier it was thought safe to allow each financial institution to carry out only one type
of financial service. But now banks are selling shares, insurance companies can sell
banking services.
These new financial conglomerates are colloquially referred to as—
(A) Multinationals
(B) Financial supermarkets
(C) Market regulators
(D) Brand Promoters
(E) None of these
Ans : (B)

9. Marketing of agro products and also of the cottage industry is most important for
economic development. Which of the following should be the major consideration for the
marketing of rural products ?
(A) Proper storing facility only
(B) Proper holding capacity only
(C) Adequate and cheap transport facility only
(D) Small number of intermediaries only
(E) All the above are needed
Ans : (E)

10. Many people travel to different parts of India to work as agricultural labour as the
wages given to them are different in different parts. Which of the following is/are
determining factor(s) in deciding the structure of agricultural wages in India ?
1. Land to Labour ratio i.e. The number of people employed on a land holding of a
particular size.
2. Nature of crop sown on the land. Food crops do not attract good wages whereas
commercial crops do.
3. Nature of the area as a high productivity area will have higher wages and vice-versa.
(A) Both 1 and 2
(B) Both 1 and 3
(C) Only 2
(D) All 1, 2 and 3
(E) None of these
Ans : (D)

11. The structure of the financial system in India can be divided into many segments.
Which of the following is not one of these segments ?
(A) Industrial Finance
(B) Agriculture Finance
(C) Developmental Finance
(D) Government Finance
(E) Personal Finance
Ans : (E)
12. Which of the following statements about the changes in cropping patterns is/are
correct ?
1. The Govt. of India can influence crop pattern through legislative and administrative
measures.
2. The Cropping pattern normally depends upon the climatic conditions of the area.
3. As 80% of the agro products are being exported from India the cropping pattern
depends upon the WTO stipulations in the field.
(A) Only 1
(B) Only 2
(C) Both 1 and 2 are correct
(D) Only 2 and 3 are correct
(E) All 1, 2 and 3 are correct
Ans : (E)

13. The Head of the Hindu Undivided Family (HUF) is called—

(A) Swami
(B) Karta
(C) Bharta
(D) Agraj
(E) Jyeshthi
Ans : (B)

14. The Banking Industry and financial sector in India has come a long way in the past
few years. Which of the following were the major drawbacks of the banks in India,
inherited from the British Raj owing to which the Govt. of India decided to nationalize
them in 1969 and put them through a series of reforms again ?
1. Interlocking of directorship of big business houses.
2. Paucity of credit to socially and economically important sectors of the economy.
3. Shortage of trained manpower to handle the major task of economic development.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 and 2
(E) All 1, 2 and 3
Ans : (D)

15. A national policy to provide rural credit was launched by the Govt. of India in general
and by RBI and NABARD in particular. Which of the following cannot be considered as
one of the objectives of this National Policy ?
1. To ensure timely and increased flow of credit to the rural sector.
2. To make available credit facilities to every region of the country so that there are no
regional imbalances.
3. To establish a well organized network of informal/non institutional credit system in the
country.
(A) Only 1
(B) Both 1 and 2
(C) Only 3
(D) Both 1 and 3
(E) All 1, 2 and 3
Ans : (C)

16. Under Bharat Nirman Programme of the Govt. of India action is proposed in various
areas. Which of the following is not one of these areas ?
(A) Irrigation
(B) Rural Roads
(C) Rural Housing
(D) Rural Water Supply
(E) Rural Employment
Ans : (E)

17. Which of the following is the name of the legislation, which provides employment to
the poors in remote areas of the country ?
(A) NREGA
(B) POTA
(C) FEMA
(D) COFEPOSA
(E) None of these
Ans : (A)

18. The Reserve Bank of India issues coins and notes of various denominations. At
present RBI does not issue coins of which of the following denominations ?
(A) 10 paise
(B) 25 paise
(C) 50 paise
(D) 1•00 Rupee
(E) 5•00 Rupee
Ans : (A)

19. Many a times we come across a term ‘Know Your Customer’ in area of banking
transactions. Which of the following is the main purpose of issuing Know Your Customer
guidelines by the RBI ?
(A) To provide better customer service
(B) To keep a check on money laundering
(C) To bring more and more people in the Income Tax net
(D) To make high value transactions faster
(E) None of these
Ans : (B)

20. Which of the following is not correct about the various targets set for 11th Five Year
Plan ?
(Whole plan period 2007-12).
(A) Farm sector growth to be increased to 8%
(B) GDP growth rate to be increased to 10%
(C) Create 7 Crore new jobs
(D) Literacy rate is to be increased to 80%
(E) Reduction in unemployment amongst the educated youth
Ans : (A)

21. Many a times we come across a term read as ‘GM’ in reference to certain crops. What
is the full form of the term ‘GM’ ?
(A) Geographically Moderated
(B) Genetically Modified
(C) Globally Marketed
(D) Grown after Modifications
(E) None of these
Ans : (B)

22. Many a times we see a term in newspapers ‘IPO’. What is the full form of the same ?
(A) Indian Public Offer
(B) Institutional Purchase Offer
(C) Industrial Purchase Order
(D) Indian Purchase Offer
(E) Initial Public Offer
Ans : (E)

23. Which of the following is not the part of the Charter of the National Rural Health
Mission (NRHM) ?
1. NRHM has to pay special attention to 18 States, which have weak Public Health
Indicators.
2. Mission provides for appointment of Accredited Social Health Activist (ASHA) in
each one of four metros so that these metros become free from Polio, Malaria, and HIV
infections by 2010 ?
3. It aims at effective integration of Private Sector in health sector so that government
burden can be reduced to the level of mere policy maker.
(A) Only 1
(B) Only 2
(C) Both 2 and 3
(D) Only 3
(E) Both 1 and 3
Ans : (C)

24. Who amongst the following had said ‘small aim is crime’ ?
(A) Jawaharlal Nehru
(B) Lal Bahadur Shastri
(C) Smt. Indira Gandhi
(D) Dr. A. P. J. Kalam
(E) Dr. Manmohan Singh
Ans : (D)

25. The rate on which banks lend to RBI is known as—

(A) CRR
(B) PLR
(C) Bank Rate
(D) REPO Rate
(E) SLR
Ans : (A)

26. Which of the following name is not associated with the insurance business in India ?
(A) Bajaj Allianz
(B) LIC
(C) GIC
(D) Tata AIG
(E) GE Money
Ans : (E)

27. Which of the following awards is given for excellence in the field of sports ?
(A) Kalidas Samman
(B) Dhyanchand Award
(C) Shram Vir Award
(D) Shanti Swarup Bhatnagar Award
(E) None of these
Ans : (B)

28. Which of the following does not represent the name of a bank working in India ?
(A) YES
(B) HDFC
(C) TATA
(D) Kotak Mahindra
(E) Axis
Ans : (C)

29. Who amongst the following addresses the nation on the Independence Day from the
ramparts of the Red Fort, Delhi ?
(A) President of India
(B) UPA Chair person
(C) Speaker of the Lok Sabha
(D) Prime Minister of India
(E) None of these
Ans : (D)

30. Which of the following is considered an informal method of getting credit/finance ?

(A) Internet Banking
(B) Branch visits
(C) Going to money lenders
(D) Tele Banking
(E) All of these
Ans : (C)

31. Which of the countries represent letter ‘C’ in the category known as BRIC countries ?
(A) Canada
(B) Chile
(C) Cuba
(D) Croatia
(E) China
Ans : (E)

32. Nobel Prizes are not given for the performance in the area of—
(A) Literature
(B) Physics
(C) Chemistry
(D) Music
(E) Medical Science
Ans : (D)

33. Which of the following countries has not made any significant investment in India ?
(A) Japan
(B) USA
(C) Nepal
(D) Britain
(E) France
Ans : (C)

34. Twenty-20 matches are played in the game of—

(A) Hockey
(B) Football
(C) Badminton
(D) Tennis
(E) Cricket
Ans : (E)

35. Which of the following is known as Plastic money ?

1. Demand Draft
2. Credit Card
3. Debit Card
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 2 and 3
(E) All 1, 2 and 3
Ans : (D)

36. In which of the following Hindi films actor Shahrukh Khan has played the role of a
Hockey Coach ?
(A) Guru
(B) Chak De India
(C) Om Shanti Om
(D) Jab We Met
(E) None of these
Ans : (B)
37. Which amongst the following nations is not a member of the SAARC ?
(A) Bangladesh
(B) Bhutan
(C) Nepal
(D) Maldives
(E) South Africa
Ans : (E)

38. Which of the following organizations/bank has done a commendable work in the field
of micro finance and was awarded Nobel Prize also in the past ?
(A) Gramin Bank of Bangladesh
(B) CRY
(C) ASHA
(D) NABARD
(E) None of these
Ans : (A)

39. Which of the following is not a Public Sector Unit/Undertaking/ Agency ?

(A) ECGC
(B) SEBI
(C) SIDBI
(D) Axis Bank
(E) BHEL
Ans : (D)

40. The European Union has adopted which of the following as a common currency ?
(A) Dollar
(B) Dinar
(C) Yen
(D) Peso
(E) Euro
Ans : (E)

41. Various Govt. agencies/organizations are given responsibilities for implementing

various policies/decisions of the Govt. of India. Policies about credit flow to the
agricultural/priority sector are framed/implemented through which of the following apex
bodies ?
(A) ECGC
(B) NABARD
(C) UTI
(D) IDBI Bank
(E) None of these
Ans : (B)

42. Which of the following is not a foodgrain ?

(A) Wheat
(B) Rice
(C) Maize
(D) Jowar
(E) Cotton
Ans : (E)

43. Many a times we read in newspapers about ‘Financial Inclusion’. What does it really
mean ?
[Pick up correct statement(s)]
1. Allow the merger and acquisition of banks so that only few big banks exist and
continue to cater to the need of corporate sector.
2. Expending the network of banks in such a way that people from lower strata of society
also get the benefit of services provided by banks.
3. Providing Insurance cover to each and every citizen so that he/she can live a healthy
and long life.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 and 2
(E) All 1, 2 and 3
Ans : (B)

44. Which of the following is not a gallantry Award ?

(A) Vir Chakra
(B) Jeevan Raksha Padak
(C) Ashok Chakra
(D) Mahavir Chakra
(E) Saraswati Samman
Ans : (E)

45. Heavy Water is normally used by which of the following industries ?

(A) Nuclear Power generation plants
(B) Pharma Industry
(C) Paper Industry
(D) Sugar plants
(E) None of these
Ans : (A)

46. As per news items published in various newspapers, Italy has offered its help in
developing ‘SMEs’ in India. What is the full form of ‘SME’ ?
(A) Small and Monopolistic Economy
(B) Small and Medium Enterprises
(C) Speedy and Mechanical
(D) Small and Medium Level Economy
(E) None of these
Ans : (B)

47. Which of the following indexes is developed to measure life expectancy, level of
literacy, education and standard of living of people in a country ?
(A) Inflation
(B) Sensex
(C) Human Development Index
(D) SLR
(E) None of these
Ans : (C)

48. Which of the following is a type of tax levied by the Govt. on goods and services ?
(A) SAT
(B) NET
(C) PAN
(D) VAT
(E) None of these
Ans : (D)

49. Who amongst the following was made the Chairman of the National Land Reforms
Council ?
(A) Smt. Sonia Gandhi
(B) Arjun Singh
(C) Pranav Mukherjee
(D) Kamal Nath
(E) Manmohan Singh
Ans : (E)

50. Which of the following is not a foreign bank working in India ?

(A) HSBC
(B) Barclays
(C) Standard Chartered
(D) Yes Bank
(E) All are foreign banks
Ans : (E)

ENGLISH:
Directions—(Q. 1–15) 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 of the questions.

According to the United States Environmental Protection Agency (USEPA),

plastic bags are a better option than paper bags from the environment’s point
of view. Many studies comparing plastic versus paper show that plastic bags
have less net environmental effect than paper bags, requiring less energy for
transport, production and recycling and because of all these, plastic generates
less greenhouse gases. They cause less air and water pollution and can get
compressed to a small size in landfills. Plastic bags are sterile and thus are a
better option for the transportation of eatables and medicines.

However there is another side of using plastic. Plastics are manufactured from
petroleum. This brings a host of other issues e.g. destruction of habitat. Their
manufacturing involves chemicals, many of which have not been sufficiently
tested for their toxicological impact on humans and animals. Exacerbating the
problem is that science has only advanced to detect plastic components in
human bodies and then link it to human ailments and diseases. Where science
has been unable to help is that it has largely failed to invent a solution to the
hazards caused by it. Making the situation dismal is the fact that the hazard is
closer than it appears. Teflon, PVC, Polyethylene, polystyrene in utensils and
various silicones in hair and body care products accumulate in the body and
lead to serious diseases. Plasticproducing companies are often chemical
companies or subsidiaries of chemical companies, both with poor track records
when it comes to their adherence to regulatory compliance and their
willingness to perform toxicological analysis on the products that they make.

Plastics often drain component chemicals, including hazardous chemicals when

temperature changes beyond a certain point. It is for this reason that
toxicologists do not recommend storing very cold food in plastics or heating
food (microwaving especially) in plastics. Also, plastics are durable materials.
Thus, they are hard to eliminate once used and create tremendous waste.
While some common plastics can be recycled the vast majority cannot be
recycled.
Scientists suggest the use of Biodegradable plastics as an alternative to this
persisting problem. These are the plastics that can decompose in the natural
environment. Biodegradation of plastics can be achieved by enabling
microorganisms in the environment to metabolize the molecular structure of
plastic films to produce an inert humus-like material that is less harmful to the
environment. They may be composed of either bio-plastics, which are plastics
whose components are derived from renewable raw materials, or petroleum-
based plastics. The use of bio-active compounds compounded with swelling
agents ensures that, when combined with heat and moisture, they expand the
plastic’s molecular structure and allow the bio-active compounds to metabolise
and neutralize the plastic.

Various countries have been adopting different methods to discourage the use
of plastic. Growing awareness in the UK of the problems caused by
indiscriminate use of plastic bags is encouraging retailers to reward customers
who bring their own bags or who reuse or recycle existing bags. This is called
the ‘Green Bag Scheme’. In other countries retailers have stopped providing
free plastic bags with purchases and have been selling cloth bags for very
minimalistic prices.

1. What alternative do the scientists suggest for the problem associated with
the use of plastics ?
(A) Use of biodegradable plastics
(B) Treatment of hazards caused by the use of plastics
(C) Strict compliance of the chemical companies to toxicological tests of their
products
(D) Banning the use of plastic throughout the world
(E) None of these
Ans : (A)

2. Why don’t toxicologists recommend the heating of food and storing of cold
food in plastic ?
(A) Food stuff spoils faster in plastic containers
(B) The Teflon coating in such utensils is harmful
(C) Plastic containers do not undergo recommended toxicology tests
(D) Plastic releases harmful chemicals at very high and low temperature
(E) None of these
Ans : (D)

3. According to the author, what is the problem with manufacturing plastic

products ?
(A) These products are not energy efficient
(B) These products produce greenhouse gases which are harmful to
environment
(C) The chemicals involved in their production are not tested for impact on
living beings
(D) It swells as soon as it comes in contact with heat and moisture
(E) None of these
Ans : (C)

4. What are the author’s views about the companies producing plastic
products ?
(1) These companies are mainly responsible for the hazards caused to the
environment due to plastics.
(2) Such companies are chemical companies themselves or a subsidiary of such
companies.
(3) Such companies do not perofrm toxicological tests on their products.
(A) Only (1)
(B) Both (2) and (3)
(C) Both (1) and (3)
(D) Only (2)
(E) None of these
Ans : (B)

5. What does the author mean by ‘another side of using plastic’ ?

(A) These are disadvantages of using plastic
(B) Using biodegradable plastic instead of non-biodegradable plastic
(C) Paper bags are better option than plastic bags
(D) Many retail stores sell cloth bags at lower price
(E) None of these
Ans : (A)

6. Why does USEPA suggest that plastic bags are a better option than paper
bags ?
(A) The plastic bags are inexpensive
(B) Plastic bags can be tested for toxic chemicals
(C) Paper bags do not generate greenhouse gases
(D) Plastic bags require less energy as compared to paper for transportation,
production and recycling
(E) None of these
Ans : (D)

7. According to the passage, in which of the following fields has science failed ?
(A) To produce biodegradable plastic
(B) To popularize the use of cloth and paper bags instead of plastic
(C) To strictly implement the compliance of the chemical companies to
toxicological tests of their products
(D) To make plastic – free hair and body care products
(E) None of these
Ans : (D)
8. Which steps have been taken in UK to encourage the use of alternatives to
plastic bags ?
(A) The UK government has banned the use of plastic throughout the country
(B) The retailers in UK have been selling cloth bags at very low prices
(C) The retailers reward the customers who bring their own bags or use the
recycled bags
(D) The government imposes heavy fine on those using plastic bags
(E) None of these
Ans : (C)

9. Which of the following is not true in context of the passage ?

(A) Some countries have stopped providing free plastic bags to customers to
discourage the use of plastic
(B) The bio-active compound alongwith swelling agents ensure that plastic is
neutralized in the presence of heat and moisture
(C) Many plastic products do not undergo toxicological test
(D) Being durable, plastic creates a lot of waste
(E) All are true
Ans : (E)

10. Although harmful at extreme temperature, why does USEPA recommend

transport of eatables and medicines in plastic bags ?
(A) Plastic bag generate less greenhouse gases which would react chemically
with medicines, thus producing adverse effect in body
(B) Plastic bags are more sterile than other available options
(C) Plastic products pass through a number of toxicological testings
(D) Plastic bags are easily degraded and thus cause less harm to environment
(E) None of these
Ans : (A)

Directions—(Q. 11–13) Choose the word / group of words which is / are most
similar in meaning to the word printed in bold as used in the passage.

11. persisting
(A) troubling
(B) enduring
(C) resisting
(D) damaging
(E) harassing
Ans : (B)

12. exacerbating
(A) executing
(B) influencing
(C) worsening
(D) addressing
(E) declining
Ans : (C)

13. drain
(A) sewer
(B) waste
(C) deplete
(D) give out
(E) outlet
Ans : (D)

Directions—(Q. 14–15) Choose the word which is most opposite in meaning to

the word printed in bold as used in the passage.

14. dismal
(A) Encouraging
(B) Prosperous
(C) Glad
(D) Generous
(E) Respectful
Ans : (A)

15. compressed(A) Extended

(B) Amplified
(C) Diffused
(D) Intensified
(E) Expanded
Ans : (E)

Directions—(Q. 16–25) Read each sentence to find out whether there is any
grammatical error in it. The error, if any will be in one part of the sentence,
the letter of that part will be the answer. If there is no error, mark (E) as the
answer. (Ignore errors of punctuation, if any.)

16. He had already prepare (A) / the acceptance speech (B) / but the student
of the year award (C) / was given to Ravi. (D) No error (E)
Ans : (A)

17. He placed the trophy (A) / which he had won (B) / at the most prominent
(C) / place on the house. (D) No error (E)
Ans : (D)

18. Fashion is very important (A) / to her and thus (B) / she selects the (C) /
most popular clothes. (D) No error (E)
Ans : (B)
19. After finding traces of poison (A) / in his dinner yesterday, (B) / Mohit
accused his wife (C) / of trying to cause harm. (D) No error (E)
Ans : (E)

20. Sheetal bought a (A) / new car and (B) / bragged about them (C) / for
weeks to come. No error (E)
Ans : (C)

21. Being more dangerous (A) / than all the criminal, (B) / he was imprisoned
(C) / in a special jail. (D) No error (E)
Ans : (B)

22. The mayor says that (A) / “I will consider running (B) / for commissioner’s
post (C) / but I am not sure yet.” (D) No error (E)
Ans : (A)

23. In an effort (A) / to make peace (B) / Priya spoke separately (C) / to both
the person. (D) No error (E)
Ans : (D)

24. They had a narrow escape (A) / when skating as (B) / roaring avalanche
(C) / just missed them. (D) No error (E)
Ans : (B)

25. The movie star should not have (A) / allowed the press (B) / at the scene
had he (C) / known about the fuss. (D) No error (E)
Ans : (A)

Directions—(Q. 26–30) Which of the phrases (A), (B), (C) and (D) given below
each statement should replace the phrase 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 (E) as the answer.

26. Ayesha spent the entire morning polishing hers new audio system.
(A) Polishing her new
(B) Polishing she’s new
(C) Polishing her’s new
(D) Polishing Ayesha’s new
(E) No correction required
Ans : (A)

27. As she grows up, she became doubtful of the existence of fairies.
(A) She grown up
(B) She grews up
(C) She grew up
(D) She growned up
(E) No correction required
Ans : (C)

28. Sneha and Shraddha need to buy watches because they are always late.
(A) Those are always
(B) These are always
(C) They keep always
(D) There are always
(E) No correction required
Ans : (E)

29. Neither the local administration nor the police authorities was aware of the
tournament being held.
(A) Were aware for
(B) Was aware for of
(C) Was aware for
(D) Were aware of
(E) No correction required
Ans : (D)

30. Everyone have invested a substantial amount in the on going project but no
one expects a profit.
(A) did invested a
(B) has invested a
(C) did investing in a
(D) had invested an
(E) No correction required
Ans : (B)

Directions—(Q. 31–35) Rearrange the following sentences (1), (2), (3) (4), (5)
and (6) to make a meaningful paragraph and then answer the questions which
follow :
(1) Today these have become an indispensable part of the lives of children and
adults alike.
(2) One of such effects is the radiations that are emitted as signals.
(3) Ever since the advent of technology, undoubtedly, mobile phones are the
greatest of all inventions.
(4) In order to prevent such ailments, Govt. should strictly regulate the service
providers.
(5) But, no matter how indispensable, its negative effects cannot be
overlooked.
(6) These signals cause a variety of ailments starting from hearing loss to
cancer.

31. Which of the following sentence should be the FIRST after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (C)

32. Which of the following sentence should be the FIFTH after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 5
(E) 6
Ans : (E)

33. Which of the following sentence should be the SIXTH (LAST) after
rearrangement ?
(A) 3
(B) 2
(C) 4
(D) 5
(E) 6
Ans : (C)

34. Which of the following sentence should be the THIRD after rearrangement ?
(A) 1
(B) 5
(C) 4
(D) 6
(E) 3
Ans : (B)

35. Which of the following sentence should be the SECOND after rearrangement
?
(A) 1
(B) 2
(C) 4
(D) 5
(E) 6
Ans : (A)

Directions—(Q. 36–40) 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 best fits the blank appropriately.
Find out the appropriate word in each case.

Many farmers who traditionally (…36…) pulses, millets and paddy have been
lured by seed companies to buy hybrid cotton seeds and other GM crops, which
were (…37…) to make their lives easier and wealthier. Instead they (…38…)
bankruptcy and ruin. Their native seeds have been (…39…) with new hybrids
which cannot be saved and need to be purchased every year at a high cost.
Hybrids are also very (…40…) to pest attacks. All pesticides have to be (…41…)
from the company that sold them the seeds; there have been reports of blatant
profiteering from these companies.

We are (…42…) told that without genetic engineering and globalization of

agriculture the world will starve, it is constantly promoted as the only (…43…)
available for feeding the hungry.

Everywhere, food production is becoming a negative economy, with farmers (…

44…) more on buying costly inputs for industrial production than the price they
receive for their produce. The consequence is rising debts in both rich and poor
countries. In some African countries it is cheaper to buy foreign sugar and
coffee than it is to buy locally produced goods. This is because of over
production and subsidies in the West which means that they then dump these
goods on Africa (…45…) local markets.

36. (A) developed

(B) cultivated
(C) germinated
(D) made
(E) yielded
Ans : (B)

37. (A) probably

(B) specified
(C) designated
(D) supposed
(E) thought
Ans : (D)

38. (A) undergo

(B) disclosed
(C) approached
(D) tackling
(E) faced
Ans : (E)

39. (A) supplied

(B) converted
(C) replaced
(D) reduced
(E) damaged
Ans : (C)

40. (A) vulnerable

(B) tender
(C) dangerous
(D) tempted
(E) likely
Ans : (A)

41. (A) purchased

(B) bribed
(C) adopted
(D) buy
(E) sprinkled
Ans : (A)

42. (A) reiterated

(B) repeatedly
(C) continuous
(D) numerously
(E) much
Ans : (B)

43. (A) thing

(B) food
(C) progression
(D) tendency
(E) alternative
Ans : (E)

44. (A) generating

(B) expanding
(C) spending
(D) consuming
(E) earning
Ans : (C)

45. (A) ruining

(B) eradicating
(C) helping
(D) facilitating
(E) washing
Ans : (A)

Directions—(Q. 46–50) Each question below has two blanks, each blank
indicating that something has been omitted. Choose the set of words for each
blank that best fits the meaning of the sentence as a whole.

46. The statement said that the conference would be ……… a considerable time
……… the global economic crisis.
(A) having, thinking
(B) passing, debating
(C) spending, discussing
(D) expending, arguing
(E) exhausting, analyzing
Ans : (C)

47. After being taken away from his parents at a ……… age, the boy had a very
……… life.
(A) young, difficult
(B) early, leisurely
(C) small, distinction
(D) tender, deterrent
(E) advanced, restrict
Ans : (A)

48. Even …………… the period of recession, he got a good job ……………… not
having much experience.
(A) on, even though
(B) in, instead
(C) while, inspite
(D) during, despite
(E) although, almost
Ans : (D)

49. After having ……… the news of their son’s excellent result in exams, they
came over as …… as possible.
(A) enjoyed, earlier
(B) heard, quickly
(C) surprised, running
(D) shocked, fast
(E) realized hurriedly
Ans : (B)

50. Although unrecognised …… his life, his talent was much ……… after his
death.
(A) entire, adored
(B) all, realized
(C) whole, worth
(D) almost, valued
(E) throughout, appreciated
Banking Abbreviations

Sl. No.
Short Form Full Form

1 SIDBI Small Industries

Development Bank of India

2 TFCI Tourism Finance

Corporation of India Limited

3 PFCL Power Finance Corporation

Limited

4 SFC State Financial

Corporation

5 SIDC State Industrial

Development Corporation

6 NEDFI North-Eastern Development

Financial Institution Ltd.

7 NBFC Non-Banking Financial

Companies

8 HDFC Housing Development

Finance Corporation Limited

9 HUDCO Housing and Urban

Development Corporation
Limited

10 RRB Regional Rural Banks

11 NABARD National Agriculture and

Rural Development Bank

12 NDTL Net Demand and

Time Liabilities

13 EXIM Bank Export Import Bank

14 CD Certificate of Deposit
15 CASA deposits Current Account and
Savings Account deposits

16 IBA Indian Bank Association

17 KYC Know Your Customer

18 FEMA Foreign Exchange

Management Act

1 CPC Credit Policy Committee

2 CD Ratio Credit-Deposit Ratio

3 BCBS Basel Committee for Bank

Supervision

4 CAR Capital Adequacy Ratio

5 CMRD Credit Risk Management

Department

6 CIR Credit Information Report

7 LBS Lead Bank Scheme

8 ANBC Adjusted Net Bank Credit

9 CEOBSE Credit Equivalent of

Off-Balance Sheet Exposure

10 RIDF Rural Infrastructure

Development Fund

11 CIBIL Credit Information Bureau

of India Limited

12 NPI Non-Performing
Investments

13 PDAI Primary Dealers

Association of India
14 FIMMDA Fixed Income Money Market
and Derivatives Association of India

15 YTM Yield to Maturity

16 MICR Magnetic Ink Character

Recognition

17 RTGS Real Time Gross

Settlement

18 NEFT National Electronic Funds

Transfer

19 ECS Electronic Clearing

Service

20 AMFI Association of Mutual

Funds in India

Union Bank of India Probationary Officers Exam 2010 Solved Paper

General Awareness
(Exam Held on 9-1-2011)

1. The eleventh ‘five year plan’ of India is for the five years ranging from—
(A) 2009–2014
(B) 2008–2013
(C) 2007–2012
(D) 2006–2011
(E) None of these
Ans : (C)

2. DSCR indicates the ability of a company to—

(A) Meet its current liabilities
(B) Service its shareholders
(C) Meet its long term debt obligations
(D) Raise further capital
(E) None of these
Ans : (C)

3. An IPO is—
(A) Initial price offered by a private limited company to its shareholders
(B) An offer by an unlisted company for sale of its shares for the first time to
the public
(C) Used to increase the share capital of an unlisted company
(D) A book building process
(E) None of these
Ans : (B)

4. A decreasing current ratio indicates—

(A) A stable liquidity
(B) An increasing liquidity
(C) A strained liquidity
(D) Satisfactory current solvency
(E) None of these
Ans : (E)

5. Private equity investors, invest in a company based mainly on—

(A) The age of the company
(B) The location of the company
(C) The activity undertaken by the company
(D) The creditability and the valuation of the company
(E) The existing profitability of the company
Ans : (E)

6. The synagogue is generally—

(A) An epic
(B) A religion
(C) Jewish House of Prayer
(D) The Parsi temple
(E) A palace
Ans : (C)

7. Deuce is a team used in—

(a) Polo
(b) Lawn tennis
(c) Badminton
(d) Boxing
(e) Volley ball
(A) a, b, c
(B) b, c, d
(C) c, d, a
(D) a, b, e
(E) b, c, e
Ans : (E)

8. ISI is the intelligence agency of—

(A) United Kingdom
(B) United States of America
(C) Israel
(D) Pakistan
(E) India
Ans : (D)

9. Air Traffic Controller's job involves—

1. Control of air traffic in and within vicinity of airport
2. Control of movement of air traffic between altitude, sectors and control
centres
3. Following established procedures and policies for air traffic control
4. Control of commercial airline flights according to government regulations
5. To authorize and regulate commercial airline flights
(A) 1, 2
(B) 2, 3
(C) 1, 2, 3, 4
(D) 1, 2, 3, 4, 5
(E) 3, 4, 5
Ans : (A)

10. Animal assisted therapy is employed in—

(A) Operations
(B) ICU
(C) Old age homes
(D) Training animals
(E) Natural healing
Ans : (D)

11. In broad gauge, the distance between the rails is—

(A) 1•00 metre
(B) 3 metre
(C) 1•67 metre
(D) 2•67 metre
(E) 0•76 metre
Ans : (C)

12. Who is Indra Nooyi ?

(A) CEO Coca Cola
(B) CFO PepsiCo.
(C) Managing Director Nano Division
(D) India's permanent representative to UNO
(E) None of these
Ans : (B)

13. ET Now and CNBC TV18, TV Channels essentially broadcast—

(A) English News
(B) Classic English Movies
(C) Political Events and News
(D) Business and Economic News
(E) All important national and international news in English
Ans : (D)

14. Amongst the following sportsmen/women, who has won the first gold medal
at Guangzhou Asian Games ?
(A) Yuan Xiachao
(B) Wang Migluen
(C) Zhu Oianward
(D) Takeshi Matsuda
(E) Wu Jingbiao
Ans : (A)

15. With which one of the following fields was Satyajit Ray associated ?
(A) Films
(B) Sports
(C) Social Work
(D) Drama
(E) Short Stories
Ans : (A)

16. ‘Daniel Vettroi’ is captain of which one of the following teams ?

(A) New Zealand Cricket Team
(B) South Africa Cricket Team
(C) New Zealand Basket Ball Team
(D) West Indies Cricket Team
(E) Australia Cricket Team
Ans : (A)

17. Who amongst the following carried Indian Tricolour at Guangzhou Asian
Games ?
(A) Sania Mirza
(B) Saina Nehwal
(C) Gagan Narang
(D) Suranjay Singh
(E) Randhir Singh
Ans : (C)
18. Financial ratio analysis of a company helps in understanding—
1. The long term debt raising capacity
2. The short term solvency
3. The reasons for fluctuation in its stock prices
4. The net worth of the company
5. The profitability
(A) 1, 2, 3, 4
(B) 2, 3, 4
(C) 3, 4, 5
(D) 3, 1, 2, 4
(E) 1, 2, 4, 5
Ans : (E)

19. Human breath is visible in winter but not in summer because—

(A) The difference in outside pressure gives visibility to breath
(B) Breath contains certain impurities and visible matters
(C) Water vapour in breath condenses in cold air, making it visible
(D) Breath has heat in it which evaporates in cold air giving visibility
(E) None of these
Ans : (D)

20. Which of the following is/are not the names of Seven North-Eastern States ?
1. Jorhat
2. Manipur
3. Meghalaya
4. Agartala
5. Dimapur
(A) 1, 2, 3
(B) 2, 3, 4
(C) 3, 4, 1
(D) 1, 4, 2
(E) 1, 4, 5
Ans : (E)

21. According to a recent newspaper survey, which one of the following is the
most preferred language for leisure reading among the Indian Youth ?
(A) Hindi
(B) Marathi
(C) Bengali
(D) Telugu
(E) English
Ans : (E)

22. Who was Dr. C. Rangarajan ?

(A) Chairman, PMEAC
(B) Member, Planning Commission
(C) Chief Economist, IBA
(D) RBI Governor
(E) Member, Minority Commission
Ans : (D)

23. Which of the following is an oilseed ?

(A) Garlic
(B) Clove
(C) Cardamom
(D) Cumin Seed
(E) Mustard
Ans : (E)

24. The RBI reviews its credit and monetary policy at regular intervals and also
in between. What is the purpose of the same ?
1. To ensure that inflation does not cross the limit
2. To ensure that banks have enough liquidity
3. To ensure that cost of the fund does not reach a very high level
(A) Only 1
(B) Only 2
(C) All 1, 2 and 3
(D) Only 2 and 3
(E) None of these
Ans : (C)

25. The name of the white revolution is associated with—

(A) J. V. Narlikar
(B) J. C. Bose
(C) Kurien Verghese
(D) M. S. Swaminathan
(E) C. Rangarajan
Ans : (C)

26. The cabinet committee recently approved the ‘IGMSY’ a scheme for the
welfare of the people of India. Who amongst the following will get the benefit
of the scheme ?
(A) Mothers and pregnant women
(B) Children upto 12 years of age
(C) Youth
(D) Old and Senior Citizens
(E) All the above
Ans : (A)

27. The Govt. of India provides direct financial support to which of the
following schemes ?
(A) Jeevan Bharati Scheme
(B) ULIP
(C) Sampoorna Grameen Rozgar Yojana
(D) Packing Credit Guarantee Scheme
(E) All of the above
Ans : (C)

28. Who amongst the following is a famous Urdu author/poet who received
Jnanpith Award recently ?
(A) Akhlaq Khan Shahryar
(B) ONV Kurup
(C) Khushwant Singh
(D) Krishna Sobti
(E) None of these
Ans : (A)

29. Who amongst the following is the author of the Book ‘A Bend in the River’ ?
(A) V. S. Naipaul
(B) Arun Shourie
(C) Octavia Paz
(D) Daniel Defoe
(E) Walter Scott
Ans : (A)

30. Which of the following is called the pink city of India ?

(A) Kolkata
(B) Lucknow
(C) Kota
(D) Hyderabad
(E) Jaipur
Ans : (E)

31. Which of the following states got a new Chief Minister without new
assembly elections ?
(A) Goa
(B) Madhya Pradesh
(C) Jharkhand
(D) Gujarat
(E) Delhi
Ans : (C)

32. A two days National level conference/event was organised in Chandigarh in

September 2010. Which was the conference / event ?
(A) Miss India 2010
(B) Asian Women Hockey Finals 2010
(C) Conference of the Finance Ministers of SAARC
(D) National Rabi Conference
(E) None of these
Ans : (E)

33. Which of the following Summits took place in Hanoi in October 2010 ?
(A) ASEAN Summit
(B) SAARC Summit
(C) G-20 Summit
(D) G-8 Summit
(E) None of these
Ans : (A)

34. The Reserve Bank does not have an office in—

(A) Kanpur
(B) Jaipur
(C) Lucknow
(D) Bhopal
(E) Gulbarga
Ans : (E)

35. A Badminton player is supposed to know the meaning of the term—

(A) Bouncer
(B) Love
(C) LBW
(D) Punch
(E) Booster
Ans : (B)

36. Who amongst the following is the receipient of the Rajiv Gandhi Khel Ratna
Award 2010 ?
(A) Ishant Sharma
(B) Hariom Singh
(C) M. S. Dhoni
(D) Sushil Kumar
(E) Saina Nehwal
Ans : (E)

37. India extended a credit of US $ 250 million to which of the following

countries, which will be used for infrastructural development there ?
(A) China
(B) Pakistan
(C) Myanmar
(D) Nepal
(E) Sudan
Ans : (D)
38. Which one of the following makes a case for intensive, modern farming ?
(A) Higher output using organic method
(B) Remunerative price
(C) Cropping pattern
(D) Land acquisition for nonagricultural needs
(E) None of these
Ans : (C)

39. In which one of the following States multi-thousand-foodgrain scam has

recently been noticed by the High Court ?
(A) M. P.
(B) Orissa
(C) Bihar
(D) Jharkhand
(E) U. P.
Ans : (C)

40. Which one of the following is the objective of Corporate Social

Responsibility (CSR) issued by the Government ?
(A) To ensure that Companies take steps for rehabilitation of project affected
people
(B) To ensure that Companies use some of their profits for educating the
project affected people
(C) To ensure that Companies provide health care to project affected people
(D) To ensure that Companies take preventive measures to avoid environmental
damage
(E) None of these
Ans : (A)

41. A hockey player is supposed to know the meaning of the term—

(A) Dead Ball
(B) Bouncer
(C) LBW
(D) Penalty Corner
(E) Frozen Ball
Ans : (D)

42. Which one of the following have provided bailout package to Ireland to deal
with its debt crisis ?
(A) EU only
(B) IMF only
(C) World Bank only
(D) Only (A) and (B) above
(E) All (A), (B) and (C) above
Ans : (D)
43. Which one of the following Indian Company is the only company from India
to be included in the Top Ten 2010 Value creators Global Ranking released by
global management consulting firm BCG ?
(A) RIL
(B) Tata Steel
(C) Bharti Airtel
(D) JSPL
(E) Bajaj Auto
Ans : (D)

44. Which one of the following has launched guidebook on standards for
exporters ?
(A) RBI
(B) SEBI
(C) IBA
(D) UNIDO
(E) UNESCO
Ans : (D)

45. BIPA with Sudan comes into effect was the news in various newspaper
recently. It is an agreement for—
(A) Investment in a country
(B) Peaceful use of atomic power
(C) Allowing students to visit each other's nation
(D) Allowing people to come for medical treatment
(E) To form an alliance with each other in case of a war
Ans : (A)

46. In which one of the following sports Sandhya Rani Devi bagged Silver in
Asiad 2010 Games ?
(A) Shooting
(B) Squash
(C) Taekwondo
(D) Ten-pin bowling
(E) Wushu
Ans : (E)

47. Which of the following terms is normally not seen in the field of
International Relations ?
(A) Exchange Rate
(B) Free Trade
(C) MFN
(D) Alluvial Soil
(E) OECD
Ans : (D)
48. According to mid term review of Indian economy, which one of the
following segments will be the major contributor to GDP growth ?
(A) Agriculture
(B) Industry
(C) Services
(D) Mining
(E) None of these
Ans : (C)

49. Which of the following films directed by Aamir Khan was sent for OSCARs
Award nominations from India ?
(A) Rang De Basanti
(B) Peepli Live
(C) Tare Zamin Par
(D) Lagan
(E) None of these
Ans : (B)

50. In which one of the following states, population growth rate is lower than
national average ?
(A) Delhi
(B) Gujarat
(C) Chhattisgarh
(D) Himachal Pradesh
(E) Orissa
Ans : (E)