About IBPS

Bank financial Competitive Admission Testing Learning Skill India Exercise Technology Banking Recruitment Talent Computer Educational Behavioral

Skills. The magnificence of IBPS has stood over 40 years. Working on international testing models like the ETS model, the Institute conducts a wide spectrum of activities in personnel selection both for promotion within and recruitment and selection from outside the organization.

Today, IBPS has become a body providing integrated end to end solutions for human resource management of client organizations. The Institute is equipped with its very own fleet of qualified personnel – people from the banking and insurance industry, psychology, information technology and educational measurement who have specialized in the testing process. Its various verticals include Client Relations, Design and Analysis, Research and Development, Processing and Technology Operations and Support Services. It also has its own technology infrastructure for data ware house and processing. It has state-of-the-art printing facility that is capable of printing over 100 thousand data booklets and answer sheets per day.

The Institute has the capability of testing simultaneously as many as 1 million candidates in 2000 venues across 200 centers (cities) in one session. In 2010-11 alone, IBPS was successful in screening over 10 million candidates for testing and filled approx. 79,236 vacancies for its client organizations besides testing of candidates for admission to academic institutes and certification for diplomas.

The official website address of IBPS

http://www.ibps.in/

Term life insurance plan provides life cover to an individual. In simple terms, a lump sum amount (Sum Assured) is paid to the family members on demise of life insured. For the life cover, the life insured has to pay relatively low premium. The life cover is for certain policy term after which life cover ceases.

Anyone aged above 18 years can buy term life insurance plan. The maximum policy term is usually 35 years. The average maximum age till which life is insured is 65 years.

What is term life insurance?

Term life insurance is a pure risk cover. It provides individual with life cover i.e. if something happens to the life insured the chosen Sum Assured is paid to the nominees.

What are the types of term life insurance?

Term insurance are of two types- pure risk cover which provides death benefit only and return of premium term insurance which provides death cover as well as returns base premiums at the end of policy term.

Are there any returns in term life insurance?

Only specific return of premium policies have maturity benefit which is equal to the all the base premiums paid throughout the policy term.

Does term insurance premium change over the policy term?

Term insurance policy premiums remain same throughout the policy term.

Can NRI buy term life insurance?

NRI can buy term insurance plans. All insurers do not offer term insurance for NRI’s. One should confirm whether the plan is available for NRI’s or not.

Does term insurance cover deaths outside India?

Term life insurance covers death outside India. If you are visiting abroad or plan to settle there, you can notify the same to insurer. Term insurance will not cover deaths in politically unstable countries and unsafe countries.

What types of deaths are not covered in term life insurance?

Suicide in the first policy year is the major exclusion. Other exclusions include self inflicted injuries, participation in adventurous sports etc. Terrorism coverage is included in the new term insurance policies.

Can individual claim in case of two policies?

If you have specified to the latest insurer that you already have a term insurance, there should be no issue in claiming from both the insurers. The concerned person can make claims from both insurers by providing the documents required by insurer to authenticate claim.

The Advance Pricing Agreement (APA) program is proposed to be introduced from July 1, 2012, as per the Union Budget 2012. An APA is an arrangement between the tax payer and tax authority to resolve potential disputes in relation to determination of Arm’s Length Price (ALP) of an international transaction through an upfront agreement.

Dear General Knowledge Today Readers,
This edition of general knowledge today is specially focused on Bank Exam Preparation.
Hope this special edition will help you a lot in preparation of upcoming bank examinations.

Best Regards,
admin,
Generalknowledgetoday.com

Upcoming Bank Recruitment Exams:-

Bank	Post & Vacancies	Last date for applying	Test date (tentative)
United Bank of India 450 PO Recruitment 2012	450 Probationary Officers’ Posts	Feb 24 to Mar 9 , 2012	Interview Dates to be mentioned Later
Allahabad Bank 1600 PO Recruitment 2012	1600 Probationary Officers’ Posts	Mar 10, 2012	Interview Dates to be mentioned Later
Bank of Baroda 600 PO Recruitment 2012	600 Probationary Officers’ Posts	Feb 21 to Mar 10, 2012,	Interview Dates to be mentioned Later
Bihar Kshetriya Gramin Bank Officers Recruitment 2012	56 Officers’ Posts	Feb 13 to Mar 12, 2012	Apr 15, 2012,
Madhya Bihar Gramin Bank Officers and Assistants Recruitment 2012	185 Officers and 211 Assistants	Mar 15, 2012,	Office Assistants :- May 06 , 2012, Officers (All Scales :- May 13, 2012
Gurgaon Gramin Bank Officers and Assistants Recruitment 2012	72 Officers and 124 Assistants	Mar 3 – 15, 2012,	Office Assistants :- Apr 08, 2012, Officers :- Apr 15, 2012
Bank of Maharashtra 457 PO Recruitment 2012	457 Probationary Officers’ Posts (IBPS SCORE)	Feb 25 to Mar 16, 2012	Interview Date to be Mentioned Later ,
UCO Bank 1100 PO Recruitment 2012	1100 Probationary Officers’ Posts (IBPS SCORE)	Feb 27 to Mar 17, 2012,	Interview Date to be Mentioned Later ,
National Insurance 345 Administrative Officers (Scale -I) recruitment 2012	Administrative Officers (Scale – I) :- 345 Posts	Mar 17, 2012	Apr 22, 2012
Reserve Bank of India 1000 Assistants Recruitment 2012	1000 Assistants Posts	Mar 25, 2012,	Apr 29, 2012
State bank of India 9500 Clerks Recruitment 2012	Clerks – ( Assistants – 8500 Posts, Stenographers – 1000 Posts )	Mar 05 to 26, 2012,	27.05.2012 and 03.06.2012
IBPS Second Common PO/MT Posts written Test (CWE) in June 2012	PO/MT Posts in 19 PSU Banks	Mar 30 2012,	June 17, 2012

www.BankNaukri.in -Get all the latest info about Bank jobs in India and Common Bank Exams in 2012.
Also know how to prepare for bank exams and interviews for bank jobs'

The Preamble of the Reserve Bank of India describes the basic functions of the Reserve Bank as:

“…to regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary stability in India and generally to operate the currency and credit system of the country to its advantage.”

Central Board

The Reserve Bank”s affairs are governed by a central board of directors. The board is appointed by the Government of India in keeping with the Reserve Bank of India Act.

• Appointed/nominated for a period of four years
• Constitution:
  • Official Directors
    • Full-time : Governor and not more than four Deputy Governors
  • Non-Official Directors
    • Nominated by Government: ten Directors from various fields and one government Official
    • Others: four Directors – one each from four local boards

Functions : General superintendence and direction of the Bank”s affairs

• Mahtma Gandhi (MG) Series 1996

The banknotes in MG Series – 1996 are available   in the denomination of Rs.5, (introduced in November 2001) Rs.10 (13-06-1996), Rs.20 (24-08-2001), Rs.50 (14-03-1997), Rs.100 (04-06-1996), Rs.500 (20-10.1997) and Rs.1000 (November 2000).  All the banknotes of this series bear the portrait of Mahatma Gandhi on the obverse (front) side, in place of symbol of Lion Capital of Ashoka Pillar, which has also been retained and shifted on the same side. This means that these banknotes contain Mahatma Gandhi watermark as well as Mahatma Gandhi’s portrait.

Are there any special features in the banknotes of Mahatma Gandhi series- 1996? The Mahatma Gandhi series-1996 banknotes contained several special features vis-à-vis the banknotes issued earlier. These are Security thread: Rs.10, Rs.20 and Rs.50 notes contain fully embedded security thread. Rs.100, Rs.500 and Rs.1000 banknotes contain windowed security thread. This thread is partially exposed and partially embedded. When held against light, this thread can be seen as one continuous line. Other than on Rs.1000 banknotes, this thread contains the words ‘Bharat’ in the Devanagari script and ‘RBI’ appearing alternately. The security thread of the Rs.1000 banknote contains the inscription ‘Bharat’ in the Devanagari script, ’1000′ and ‘RBI’. Latent Image:  The vertical band next to the (right side)  Mahatma Gandhi’s portrait,  contains a latent image, showing the denominational value 20, 50, 100, 500 or 1000 as the case may be. The value can be seen only when the banknote is held horizontally  and light allowed to fall on it at 45° ; otherwise this feature appears only as a vertical band. Micro letterings: This feature appears between the vertical band and Mahatma Gandhi portrait. It contains the word ‘RBI’ in Rs.10. Notes of Rs.20 and above also contain the denominational value of the banknotes. This feature can be seen better under a magnifying glass. Identification mark:A special intaglio feature (raised printing) has been introduced on the left of the watermark window, on the obverse (front) on all banknotes except Rs.10/- banknote. This feature is in different shapes for various denominations (Rs.20-Vertical Rectangle, Rs.50-Square, Rs.100-Triangle, Rs.500-Circle, Rs.1000-Diamond) and helps the visually impaired to identify the denomination Intaglio Printing: The portrait of Mahatma Gandhi, Reserve Bank seal, Guarantee and promise clause, Ashoka Pillar Emblem  and RBI Governor’s signature are printed in intaglio i.e. in raised prints in Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000 banknotes. Fluorescence: The number panels of the banknotes are printed in fluorescent ink. The banknotes also have optical fibres. Both can be seen when the banknotes are exposed to ultra-violet lamp. Optically Variable Ink: The numeral 500 & 1000 on the Rs.500 [revised colour scheme of mild yellow, mauve and brown] and Rs.1000 banknotes are printed in Optically Variable Ink viz., a colour-shifting ink. The colour of these numerals appears green when the banknotes are held flat but would change to blue when the banknotes are held at an angle. Watermark:    The banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window.

iii) MG series – 2005 banknotes

MG series 2005 banknotes are issued in the denomination of Rs.10, Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000 contain some additional / new security features. The Rs.50 and Rs.100 banknotes were issued in August 2005, followed by Rs.500 and Rs.1000 denominations in October 2005 and Rs.10 and Rs.20 in April 2006 and August 2006, respectively.

The additional / new security features in MG Series 2005 banknotes.

1. Security Thread: The machine-readable security thread  in Rs.10, Rs.20 and Rs.50 denomination banknotes is  windowed on front side and  fully embedded on reverse side. The thread fluoresces in yellow on both sides under ultraviolet light. The thread appears as a continuous line from behind when held up against light.
2. Rs.100, Rs.500 and Rs.1000 denomination banknotes have machine-readable windowed security thread with colour shift   from green to blue when viewed from different angles.  It fluoresces in yellow on the reverse and the text will fluoresce on the obverse under ultraviolet light.
3. Intaglio Printing:  The portrait of Mahatma Gandhi, Reserve Bank seal, Guarantee and promise clause, Ashoka Pillar emblem, Governor’s signature and the identification mark for the visually impaired persons are printed in improved intaglio.
4. See through register:  Half the numeral of each denomination (10, 20, 50, 100, 500 and 1000) is printed on the obverse (front) and half on the reverse.  The accurate back to back registration makes the numeral appear as one when viewed against light.
5. Water Mark and electrotype watermark:  The portrait of Mahatma Gandhi, the multi-directional lines and an electrotype mark showing the denominational numeral 10, 20, 50, 100, 500 and 1000 appear in this section respectively in each denomination banknote and these can be viewed better when the banknote is held against light.
6. Optically Variable Ink (OVI): The font size of the numeral 500 and 1000 in Rs.500 and Rs.1000 denomination banknotes is reduced, as compared to MG series banknotes issued in these denominations earlier in the year 2000. The colour of the numeral appears green when the banknote is held flat but would change to blue when the banknote is held at an angle.
7.  Dual coloured optical fibres, seen under UV lamp.
8. Year of Printing:  Year of printing appears on the reverse of the banknote

All these banknotes issued by the Bank are legal tender.

What is the role of the Reserve Bank of India in currency management?

The Reserve Bank derives its role in currency management from the Reserve Bank of India Act, 1934.The Reserve Bank manages currency in India. The Government, on the advice of the Reserve Bank, decides on various denominations of banknotes to be issued. The Reserve Bank also co-ordinates with the Government in the designing of banknotes, including the security features. The Reserve Bank estimates the quantity of banknotes that are likely to be needed denomination-wise and accordingly, places indent with the various printing presses. Banknotes received from banks and currency chests are examined and those fit for circulation are reissued and the others (soiled and mutilated) are destroyed so as to maintain the quality of banknotes in circulation.

What is the role of Government of India?

In terms of Section 25 of RBI Act, 1934 the design of banknotes is required to be approved by the Central Government on the recommendations of the Central Board of the Reserve Bank of India. The responsibility for coinage vests with the Government of India on the basis of the Coinage Act, 1906 as amended from time to time. The Government of India also attends to the designing and minting of coins in various denominations.

Who decides on the volume and value of banknotes to be printed and on what basis?

The Reserve Bank decides the volume and value of banknotes to be printed each year. The quantum of banknotes that needs to be printed, broadly depends on the requirement for meeting the demand for banknotes due to inflation, GDP growth, replacement of soiled banknotes and reserve stock requirements.

Who decides on the quantity of coins to be minted?

The Government of India decides the quantity of coins to be minted on the basis of indents received from the Reserve Bank.

How does the Reserve Bank estimate the demand for banknotes?

The Reserve Bank estimates the demand for banknotes on the basis of the growth rate of the economy, the replacement demand and reserve stock requirements by using statistical models/techniques.

How does the Reserve Bank reach the currency to people?

The Reserve Bank presently manages the currency operations through its 18 Issue offices located at Ahmedabad, Bangalore, Belapur, Bhopal, Bhubaneswar, Chandigarh, Chennai, Guwahati, Hyderabad, Jaipur, Jammu, Kanpur, Kolkata, Mumbai, Nagpur, New Delhi, Patna, Thiruvananthapuram, one sub-office at Lucknow, a currency chest at Kochi and a wide net work of currency chests. These offices receive fresh banknotes from the banknote printing presses. The Issue Offices of RBI send fresh banknote remittances to the designated branches of commercial banks.

The Reserve Bank offices located at Hyderabad, Kolkata, Mumbai and New Delhi (Mint linked Offices) initially receive the coins from the mints. These offices then send them to the other offices of the Reserve Bank. The banknotes and rupee coins are stocked at the currency chests and small coins at the small coin depots. The bank branches receive the banknotes and coins from the Currency Chests and Small Coin Depots for further distribution among the public

What is a currency chest?

To facilitate the distribution of banknotes and rupee coins, the Reserve Bank has authorised select branches of scheduled banks to establish Currency Chests. These are actually storehouses where banknotes and rupee coins are stocked on behalf of the Reserve Bank. As on June 30, 2006, there were 4428 Currency Chests and 4102 Small Coin Depots. The currency chest branches are expected to distribute banknotes and rupee coins to other bank branches in their area of operation.

What is a small coin depot?

Some bank branches are also authorised to establish Small Coin Depots to stock small coins. The Small Coin Depots also distribute small coins to other bank branches in their area of operation.

What is the Indian currency called?

The Indian currency is called the Indian Rupee (INR) and the coins are called paise. One Rupee consists of 100 paise.

What are the present denominations of banknotes in India?

At present, banknotes in India are issued in the denomination of Rs.10, Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000. These notes are called banknotes as they are issued by the Reserve Bank of India (Reserve Bank). The printing of notes in the denominations of Re.1, Rs. 2  and Rs.5 has been discontinued as these denominations have been coinised. However, such banknotes issued earlier can still be found in circulation and these banknotes continue to be legal tender.

Can banknotes and coins be issued only in these denominations?

Not necessarily. The Reserve Bank can also issue banknotes in the denominations of five thousand rupees and ten thousand rupees, or any other denomination that the Central Government may specify. There cannot,  though, be banknotes in denominations higher than ten  thousand rupees in terms of the current provisions of the Reserve Bank of India of Act, 1934.  Coins can be issued up to the denomination of Rs.1000.

Demonetization of higher denomination banknotes.

Rs. 1000 and Rs.10000 banknotes, which were then in circulation were demonetized in January 1946, primarily to curb unaccounted money. The higher denomination banknotes in Rs.1000, Rs.5000 and Rs.10000 were reintroduced in the year 1954, and these banknotes (Rs.1000, Rs.5000 and Rs.10000) were again demonetized in January 1978.

What are the present available denominations of coins in circulation in India?

Presently 25 paise, 50 paise, one rupee, two rupees and five rupee coins are being issued. Coins up to 50 paise are called ‘small coins’ and coins of Rupee one and above are called ‘Rupee Coins’. Though the coins in the denomination of 1 paise, 2 paise, 3 paise, 5 paise, 10 paise and 20 paise may still be in circulation, due to lack of demand these coins are not being issued.

History of Coins / currency:

I. Coins

The first documented coinage seems to have started with ‘Punch Marked’ coins issued between the 7th-6th Century BC and 1st Century AD.  The coinage can be classified into the following periods:

1. Ancient
2. Medival
3. Mughal
4. Late pre-colonial
5. British India
6. Republic India
7. Others.

India won its independence on August 15, 1947. During the period of transition India retained the monetary system and the currency and coinage of the earlier period. India brought out its distinctive coins on 15th August, 1950.

Coins in India are presently being issued in denominations of 25 paise, 50 paise, one rupee, two rupees and five rupees. Coins upto 50 paise are called ‘small coins’ and coins of Rupee one and above are called ‘Rupee Coins’. Coins can be issued up to the denomination of Rs.1000 as per the Coinage Act, 1906.

II. Currency:

Financial Instruments and ‘Hundies’ in India have a venerable history. Paper Money, in the modern sense, traces its origins to the late eighteenth century with the issues of private banks as well as those of semi-government banks. The Paper Currency Act of 1861 conferred upon Government of India the monopoly of Note Issue bringing to end banknote issues of Private and Presidency Banks. Government of India continued to issue currency notes till the Reserve Bank of India (RBI) was established on 1st April, 1935. Reserve Bank issued banknotes in January 1938 when the first Five Rupee banknote was issued bearing the portrait of George VI. This was followed by Rs. 10 in February, Rs. 100 in March and Rs. 1,000 and Rs. 10,000 in June 1938. The George VI series continued till 1947 and thereafter as a frozen series till 1950 when post independence banknotes were issued, with the Ashoka Pillar watermark.

Banknotes in the Mahatma Gandhi Series were introduced in 1996  and were issued in a phased manner in the denominations of Rs.5, Rs.10, Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000.

Banknotes in MG series 2005, in the denomination of Rs.10, Rs.20, Rs.50, Rs.100 Rs.500, and Rs.1000 with additional / new security features are presently being issued.

What is a “star series” banknote?

Fresh banknotes issued by Reserve Bank of India till August 2006 were serially numbered. Each banknote bears a distinctive serial number along with a prefix. The prefix consists of numeral and letter/s.  The banknotes are issued in packets containing 100 pieces.

The Bank has adopted the “STAR series” numbering system for replacement of defectively printed banknotes, at the printing presses. To begin with, this will be for banknotes of Rs.10, Rs.20 and Rs.50 denomination. The Star series banknotes  are exactly like the existing Mahatma Gandhi  Series banknotes, but  have an additional character viz., a *(star) in the number panel in the space between the prefix and the number. The packets containing these banknotes will not, therefore, have sequential serial numbers, but contain 100 banknotes, as usual.  To facilitate easy identification, the bands on such packets clearly indicate the presence of these banknotes in the packet.

F) Counterfeits / Forgeries

How does one differentiate between a genuine banknote and forged / counterfeit banknote?

The banknote on which the above explained features i.e., the features of genuine banknotes are not available / absent can be suspected to be a counterfeit banknotes and examined minutely.

What are the legal provisions relating to printing and circulation of forged banknotes?

Counterfeiting banknotes / using as genuine, forged or counterfeit banknotes / possession of forged or counterfeit banknote / making or possessing instruments or materials for forging or counterfeiting banknotes making or using documents resembling banknotes   are offences under Sections 489A to 489E of the Indian Penal Code and are punishable in the Courts of Law by fine or imprisonment ranging from seven years to life imprisonment or both, depending on the offence.

G) Clean Note Policy:

Reserve Bank of India has been continuously making efforts to make good quality banknotes available to the members of public.  To help RBI and banking system, the members of public are requested to ensure the following:

• Not to staple the banknotes
• Not to write / put rubber stamp or any other mark on the banknotes
• Store the banknotes safely to prevent any damage

CINB ‘Saral’ is a single user, simplified Corporate Internet Banking facility ideal for Single user entrepreneurs consisting of sole proprietorship concerns, micro enterprise and individual businessmen having non individual account at our branches.

You will have the following advantages:

• Single user operated and hence user friendly and hassle free
• Transaction rights on the accounts .
• Facility to view account information and download account statement of your account
• Facility to make Intra and Interbank payments up to Rs 5.00 lacs per day.
• Facility for making request for DD issue up to Rs 5.00 lac per day.
• Facility to make payment of direct (CBDT), Indirect (CBEC, CUSTOMS etc) and State Government taxes with per day transaction ceiling of Rs. 2 crores for CBDT and CBEC tax payment and Rs 10.00 lacs for other tax payments.
• Facility for Merchant transactions.
• User can manage the display of his/her accounts through hide / unhide functionality.
• Facility for online enquiry of transaction status.
• Facility to schedule transactions for a later date.
• Facility to set account nicknames.
• Facility to set beneficiary level limits.
• Facility to set separate limits for DD issue request and tax transactions

This facility is available at all branches of State Bank of India.

 State Bank FreedoM – Your Mobile Your Bank

Away from home, balance enquiries can be made and/or money sent to the loved ones or bills can be paid anytime 24×7!!! That is what State Bank FreedoM offers -convenient, simple, secure, anytime and anywhere banking.

1. Mobile Banking Service over Application/ Wireless Application Protocol (WAP)

The service is available on java enabled /Android mobile phones (with or without GPRS) where the user is required to download the application on to the mobile handset. The service can also be availed via WAP on all phones (java/non java) with GPRS connection.

The following functionalities are available:

• Funds transfer (within and outside the bank)
• Interbank Mobile Payment Services (IMPS): Click here for details.
• Enquiry services (Balance enquiry/ Mini statement)
• Cheque book request
• Demat Enquiry Service
• Bill Payment (Utility bills, credit cards, Insurance premium), Donations, Subscriptions
• Mobile Top up
• M Commerce (Top up of Tatasky, BigTV, SunDirect, DishTV, DigitalTV and Videocon d2h connections, SBI life insurance premium)

Business Rules

•      All Current/ Savings Bank Account holders in P segment are eligible.

•      Transaction limit per customer per day is Rs.50,000/- with a calendar month  limit of Rs.2,50,000/-

•      All customers can avail the Service irrespective of their telecom service provider.

•      The Service is free of charge. SMS/GPRS cost will be borne by the customer.

2. Mobile Banking Service over SMS:

The service is available on all phones (java/non java) with/without GPRS connection. No need to download the application. Ordinary SMS charges are applicable.

The following functionalities are available:

•      Enquiry Services (Balance Enquiry/Mini Statement)

•      Mobile Top up

•      DTH Top up/ recharge

•      IMPS- Mobile to Mobile Transfer

•      Change MPIN

Business Rules

•      All Current/ Savings Bank Account holders in P segment are eligible.

•      Transaction limit per customer per day is Rs.1,000/- with a calendar month limit of Rs.5,000/-

•      All customers can avail the Service irrespective of telecom service provider.

•      The Service is free of charge. SMS cost will be borne by the customer.

•      As a matter of abundant precaution, Customers are requested to delete all the messages sent to the number 9223440000, once the response for their request has been received.

3. Mobile Banking Service over USSD (Unstructured Supplementary Service Data)

The service is available on all phones (java/non java) with/without GPRS connection. No need to download the application.

The following functionalities are available:

•      Enquiry Services (Balance Enquiry/Mini Statement)

•      Mobile Top up

•      Funds Transfer (within Bank)

Business Rules

•      All Current/ Savings Bank Account holders in P segment are eligible.

•      Transaction limit per customer per day is Rs.1,000/- with a calendar month limit of Rs.5,000/-

•      The Service is available for subscribers of select telecom operators only.

•      The Service is free of charge. USSD session charges will be borne by the customer.

•      The service is session based and requires a response from the user within a reasonable time.

SBI CLERK MODEL QUESTION NUMERICAL ABILITY TEST

1. Sum of smallest six digit no. and greatest five digit no. is:

a. 199999

b. 201110

c. 211110

d. 1099999

e. None of these

2. Value of 112 * 54. is :

a. 6700

b. 70000

c. 76500

d. 77200

e. None of these

3. 1399*1399

a. 1687401

b. 1901541

c. 1943211

d. 1957201

e. None of these

4. When a no. is multiplied by 13 product consist of all 5’s. The smallest such no. is

a. 41625

b. 42135

c. 42515

d. 42735

e. None of these

5. If n is –ve no. then which of the following is least.

a. 0

b. –n

c. 2n

d. n2

e. None of these

6. If -1<=x <=2 and 1<= y <= 3 then least value of 2y-3x is :

a. 0

b. -3

c. -4

d. -5

e. None of these

7. The least prime no. is :

a. 0

b. 1

c. 2

d. 3

e. None of these

8. The sum of prime no.’s b/w 60 and 75 is:

a. 199

b. 201

c. 211

d. 272

e. None of these

9. Total no. of even prime no.’s is :

a. 0

b. 1

c. 2

d. None

e. None of these

10. How many No’s B/w 400 and 600 begin with or end with digit 5.

a. 40

b. 100

c. 110

d. 120

e. None of these

11. The digit in unit’s place of product 81*82……..*89 is:

a. 0

b. 2

c. 6

d. 8

e. None of these

12. The sum of first 45 natural no’s is :

a. 1035

b. 1280

c. 2070

d. 2140

e. None of these

13. The unit’s digit in the product of 771 * 659 * 3 65 is :

a. 1

b. 2

c. 4

d. 6

e. None of these

14. Which no. is exactly divisible by 11

a. 235641

b. 245642

c. 315624

d. 415624

e. None of these

15. The largest natural no. which exactly divides the product of any 4 consecutive natural no’s is:

a. 6

b. 12

c. 24

d. 120

e. None of these

16. The diff. b/w squares of 2 consecutive odd integers is always divisible by:

a. 3

b. 6

c. 7

d. 8

e. None of these

17. The smallest no. to be added to 1000 so that 45 divides the sum exactly is :

a. 10

b. 20

c. 35

d. 80

e. None of these

18. The least no. which must be subtracted from 6709 to make it exactly divisible by 9 is :

a. 2

b. 3

c. 4

d. 5

e. None of these

19. Find the no. nearest to 99547 and exactly divisible by 687:

a. 98928

b. 99479

c. 99615

d. 100166

e. None of these

20. The least no. by which 72 must be multiplied in order to produce a multiple of 112 is

a. 6

b. 12

c. 14

d. 18

e. None of these

21. Which largest no. of 5 digits is divisible by 99:

a. 99909

b. 99981

c. 99990

d. 99999

e. None of these

22. A no. when divided by 114 leaves the remainder 21 if same no. is divided by 19 the remainder will be

a. 1

b. 2

c. 7

d. 21

e. None of these

23. The diff. b/w 2 no’s is 1365 when larger no. is divided by smaller the quotient is 6 and the remainder is 15. The smaller no. is :

a. 240

b. 270

c. 295

d. 360

e. None of these

24. The divisor is 10 times the quotient and 5 times the remainder if remainder is 46 then dividend is :

a. 4236

b. 4306

c. 4336

d. 5336

e. None of these

25. A four digit no. divisible by 7 becomes divisible by 3 when 10 is added to it the largest such no. is :

a. 9947

b. 9987

c. 9989

d. 9996

e. None of these

ANSWERS WITH EXPLANATION :

1) a

2) 1120000/16 = b

3) (1400-1)*(1400-1) = d

4) 555555/13 = d

5)c 6)c 7)c 8)d 9)b 10)c 11)a 12)a 13)c

14)d 15)c 16)d 17)a 18)c 19)c 20)c 21)c

22)d 23)b 24)d 25)b

Bank  Numerical Ability Questions

1) An athlete runs 200 metres race in 24 seconds.His speed (in km/hr) is

(1) 20       (2) 24

(3) 28.5    (4) 30

Ans (4)

2)A train passes two bridges of lengths 800 m and 400 m in 100 seconds and 60 seconds respectively  The length of the train is

A 80m B.90m

C. 200 m 0. 150m

Ans (3)

3) Find the least multiple of 23, which when divided by’18, 21 and 24 leaves the remainder 7, 10 and 13 respectively

1 3013            2.3024

3. 3002          4. 3036

Ans 1

4)Find the greatest number of five digits which when divided by 3, 5, 8, 12 have 2 as remainder

1 99999          2.99958

3. 99960         4. 99962

Ans (4)

5. If 324 x 150= 54, 251 x 402 = 48 and 523 x 246= 120, then 651 x 345 =?

1. 120         2. 85

3. 144         4. 60

Ans (3)

6. Some equations are solved on the basis of certain system. Find out the correct answer for the unsolved equation on that basis.

If 12 x 7 =408 and 9 x 8 =207, then 13 x 7 =?

1. 190             2. 91

3. 901            4. 109

ans (4)

7. If NOIDA is written as STNIF, how MEERUT can be written in that code?

1. QIIVYX        2. RJJWZV

3. RJJWZY      4. RIIVYX

ans (3)

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