Saturday, November 29, 2014


Census 2011 is the 15th Census of India since 1872. The slogan of Census 2011 is "Our Census, Our Future".

The present Registrar General and Census Commissioner of India is Dr. C. Chandramouli.

Census 2011 covered 35 States/Union Territories, 640 districts, 5,924 Sub-districts, 7,933 Towns and 6, 40,930 Villages. 

Total Population
  • The total population of India at 0.00 hours of 1st March 2011 is 1210.6 million.
  • India’s population accounts for 17.5 per cent of world population.
  • The country’s population is almost equal to the populations of the U.S., Indonesia, Brazil, Pakistan, Bangladesh and Japan put together.
  • Out of the total increase of 182 million added in the last decade, the contribution of rural and urban areas is equal (91.0 million each).
  • The absolute addition is slightly lower than the population of Brazil, the fifth most populous country in the world.
  • This makes 2001-2011 as the first decade with the exception of 1911-1921 which has actually added lesser population compared to the previous decade.
  • The rural population is 833.5 million and the urban population 377.1 million.
  • The rural population constitutes 68.8% and urban population 31.2% of the total population.
  • Uttar Pradesh is the most populous State with 199 million people followed by Maharashtra at 112 million people and Lakshadweep is the least populated at 64,429 persons.
  • Uttar Pradesh has the largest rural population of 155.3 million (18.6% of the country's rural population).
  • Maharashtra has the highest urban population of 50.8 million (13.5% of country's urban population) in the country.
  • Himachal Pradesh (90.0%) has the largest proportion of rural population.
  • Delhi (97.5%) has the highest proportion of urban population.
  • Thane of Maharashtra is the most populated District in India.
  • Dibang Valley, Arunachal Pradesh, is the least populated District in India.
Growth Rate
  • The growth rate of population in India in the last decade is 17.7% (Rural - 12.3%; Urban - 31.8%).
  • Meghalaya (27.2%) has recorded the highest decadal growth rate in rural population.
  • Daman & Diu (218.8 %) recorded the highest decadal growth rate in urban population during 2001-2011.
Population Density
  • Population density in Census 2011 works out to be 382 showing an increase of 57 points from 2001.
  • Delhi (11,320) turns out to be the most densely inhabited followed by Chandigarh (9,258) among all States/UTs, both in 2001 and 2011 Census.
  • Among the major States, Bihar occupies the first position with a density of 1106, surpassing West Bengal which occupied the first position during 2001.
  • The minimum population density works out in Arunachal Pradesh (17) for both Censuses.
  • Among districts in India, highest density district is North East Delhi (37,346 per Sq KM) and lowest density district is Dibang of Arunachal Pradesh (1 per Sq KM).
Sex Ratio 
  • The Sex Ratio in the country which was 933 in 2001 has increased by 7 points to 940 in 2011.
  • In rural areas, the sex ratio has increased from 946 to 949.
  • The corresponding increase in urban areas has been by 29 points from 900 to 929.
  • Kerala has recorded the highest sex ratio (1084) in respect of total population.
  • Daman and Diu recorded the lowest sex ratio (618) among States and UTs.
  • The lowest sex ratio in rural areas has been recorded in Chandigarh (690).
  • The corresponding value in urban areas has been returned in Daman & Diu (551).
Child Population 
  • The child population in the age group of 0-6 years stands at 164.5 million.
  • Compared to Census 2001, the Child population has increased by 0.7 million in the country.
  • The growth rate of child population works out to 0.4% in the last decade. However, there has been a decline of 4.1% in rural areas and an increase of 15.6% in urban areas.
  • Census 2011 marks a considerable fall in child sex ratio (0-6 years) from 927 to 919 (-8 points) during 2001-2011. This is the lowest sex ratio since 1961.
Scheduled Caste Population
  • The total Scheduled Caste population returned in Census 2011 is 201.4 million.
  • The Scheduled Caste population constitutes 16.6 % of the total population.
  • The highest proportion of Scheduled Castes has been recorded in Punjab (31.9 %) and the lowest in Mizoram (0.1%).
  • The highest number of Scheduled Castes has been recorded in Uttar Pradesh (41.4 million) and the lowest in Mizoram (1,218).
Scheduled Tribe Population 
  • The total Scheduled Tribe population returned in Census 2011 is 104.3 million.
  • The Scheduled Tribe population constitutes 8.6 % of the total population.
  • The highest proportion of Scheduled Tribes has been recorded in Lakshadweep (94.8 %) and the lowest in Uttar Pradesh (0.6%).
  • The highest number of Scheduled Tribes has been recorded in Madhya Pradesh (15.3 million) and the lowest in Daman & Diu (15,363).
Literacy Rate
  • The number of literates in India is 763.5 million in Census 2011.
  • Literacy rate has gone up from 64.83 per cent in 2001 to 74.04 per cent, showing an increase of 9.21 percentage points.
  • The literacy rate for males and females works out to 82.14 per cent and 65.46 per cent respectively.
  • The increase in literacy rate in males and females during 2001-2011 is in the order of 6.88 and 11.79 percentage points respectively.
  • The highest number of rural literates has been recorded in Uttar Pradesh.
  • Maharashtra has recorded the highest number of literates in urban areas.
  • In percentage terms male literates were 56.9% of the total literates and the female literates were 43.1 % of the total literates.
  • Kerala has the highest literacy rate (93.91) followed by Lakshadweep (92.28).
  • Bihar has the least literacy rate (63.82) and least goes to Arunachal Pradesh (66.95)

General Awareness With special reference to Banking Industry Practice Questions for Bank Exams

1. The 12th ASEAN-India Summit was held in?
1) New Delhi
2) Singapore
3) Bangkok
4) Manila
5) Nay Pyi Taw

2. Who won the Polly Umrigar Award for being India's best international cricketer of the 2013-14 season?
1) Parvez Rasool
2) Bhuvneshwar Kumar
3) Virat Kohli
4) Suresh Raina
5) Ishant Sharma

3. The International Children's Peace Prize 2014, an initiative of Kids Rights, has been won by?
1) Alexey
2) Andrew
3) Neha Gupta
4) Malala Yousafzai
5) None of these

4. Who won the 2014 Formula One World Championship?
1) Sebastian Vettel
2) Nico Rosberg
3) Fernando Alonso
4) Lewis Hamilton
5) Jenson Button

5. Who is the author of the book 'Capital in the Twenty-First Century'?
1) Paul Krugman
2) Amartya Sen
3) Elinor Ostrom
4) Joseph Stiglitz
5) Thomas Piketty

6. Identify the mismatched pair?
1) NBFCs - Non-Banking Financial Companies
2) ECBs - External Commercial Borrowings
3) FCCBs - Foreign Currency Concession Bonds
4) DIPP -Department of Industrial Policy and Promotion
5) FDI - Foreign Direct Investment

7. 'Sarvada Vijay' is a major field exercise conducted by the Army in May 2014 in?
1) Gujarat
2) Rajasthan
3) Punjab
4) Jammu & Kashmir
5) Haryana

8. Which Indian-American student won the 2014 National Geographic Bee contest?
1) Ansun Sujoe
2) Sriram Hathwar
3) Akhil Rekulapelli
4) Arvind Mahankali
5) Snigdha Nandipati

9. Which country has announced that it will make match-fixing a specific crime for the first time
to ensure sport remains corruption- free?
1) India
2) Pakistan
3) Australia
4) New Zealand
5) England

10. Kamal Chawla is associated with?
1) Golf
2) Snooker
3) Chess
4) Kabaddi
5) Archery

11. The first cooperative bank in India to have its own RuPay ATM-cum-debit card is in?
1) Punjab
2) Andhra Pradesh
3) Himachal Pradesh
4) Rajasthan
5) Haryana

12. Who is the Chairman of a Committee that suggested customers should be given a free copy of their Credit Information Reports (CIRs)?
1) Anand Sinha
2) Aditya Puri
3) Arvind Mayaram
4) Damodaran
5) R.S. Gujral

13. At present the Reserve Bank of India has provision for how many deputy governors?
1) Two
2) Three
3) Four
4) Five
5) Six

14. Which company topped the Forbes' annual list of the world's 2000 largest and most powerful public companies?
2) China Construction Bank
3) Agricultural Bank of China
4) Reliance Industries
5) State Bank of India

15. The Dhamra Port is a major newly developed port in?
1) Gujarat
2) Tamil Nadu
3) Maharashtra
4) Karnataka
5) Odisha

16. Which of the following companies has recently taken over Network 18 group?
1) STAR group
2) Reliance Industries Limited
3) Times of India group
4) Sahara group
5) None of these

17. Parbati hydro electricity project is located in?
1) Punjab
2) Haryana
3) Assam
4) Jammu & Kashmir
5) Himachal Pradesh

18. During the six years between 2004 and 2011, which State topped in creation of new jobs in
the manufacturing sector?
1) West Bengal
2) Gujarat
3) Maharashtra
4) Odisha
5) Tamil Nadu

19. Bangladesh signed a deal with which of the following countries to set up a 1320-megawatt coal-based power plant in Moheshkhali?
1) India
2) USA
3) China
4) Russia
5) South Korea

20. Jacob Zuma was elected President of which of the following countries for a second term?
1) Ghana
2) Sudan
3) Ivory Coast
4) Uganda
5) South Africa

21. Ashraf Ghani is the?
1) President of Pakistan
2) Prime Minister of Pakistan
3) President of Afghanistan
4) Prime Minister of Afghanistan
5) President of Iran

22. CRR and SLR are the terms related to?
1) Capital market
2) Commodities market
3) Insurance
4) Mutual Funds
5) None of these

23. What does the letter 'L' stands for in the term LAF?
1) Liquid
2) Least
3) Liability
4) Liquidity
5) Lowest

24. Union Budget is normally presented in the month of?
1) January
2) February
3) March
4) April
5) May

25. Who was recently appointed the Chief Justice of India?
1) Justice Rohinton Nariman
2) Justice N.V. Ramana
3) Justice H.L. Dattu
4) Justice P. Sathasivam
5) None of these

26. Which of the following Awards is given for excellence in literature?
1) Arjuna Award
2) Dronacharya Award
3) Dada Saheb Phalke award
4) Phalke Ratna Award
5) None of these

27. Which of the following provides insurance cover for bank
deposits in India?
1) RBI
2) LIC
3) SBI
5) Finance Ministry

28. Which of the following countries is a permanent member of the United Nations Security
1) India
2) Brazil
3) China
4) Germany
5) Japan

29. Which of the following is the name of a currency of a
1) Ankara
2) Tunis
3) Lusaka
4) Kwacha
5) Peru

30. Which of the following is not the name of a country?
1) Tunisia
2) Togo
3) Tonga
4) Senegal
5) Bratislava

31. Fourteen private banks were nationalized in the year?
1) 1947
2) 1949
3) 1955
4) 1969
5) 1980

32. Insurance sector in India is regulated by?
1) LIC
3) GIC
4) RBI

33. Which of the following is not a private bank?
1) Karnataka Bank
2) Axis Bank
3) Dena Bank
4) Kotak Mahindra Bank
5) HDFC Bank

34. BIFR stands for?
1) Board for Industrial and Financial Reconstruction
2) Bureau for Industrial and Financial Rehabilitation
3) Board for Institutional Finance and Rehabilitation
4) Board for Investigation and Formal Reconstruction
5) None of these

35. Subhash Chandra Garg has been recently appointed Executive Director in?
1) IMF
2) World Bank
3) ADB
4) WTO
5) None of these

36. BPLR stands for?
1) Base Primary Lending Rate
2) Benchmark Prime Lending rate
3) Basic Priority Lending Rate
4) Below Poverty Line Rate
5) None of these

37. Recep Tayyip Erdogan was sworn in as the President of?
1) Iran
2) Iraq
3) Turkey
4) Vietnam
5) Cyprus

38. Who among the following is the new Governor of Rajasthan?
1) Ch. Vidyasagar Rao
2) Vajubhai Vala
3) Kalyan Singh
4) Mridula Sinha
5) None of these

39. Who is the winner of the 2014 Man Booker Prize?
1) Joshua Ferris
2) Karen Joy Fowler
3) Neel Mukherjee
4) Richard Flanagan
5) None of these

40. Jean Tirole won the 2014 Nobel Prize for Economics. He belongs to?
1) Sweden
2) Norway
3) USA
4) UK
5) France

1) 5 2) 2 3) 3 4) 4 5) 5 6) 3 7) 2 8) 3 9) 4 10) 2
11) 3 12) 2 13) 3 14) 1 15) 5 16) 2 17) 5 18) 1 19) 3 20) 5
21) 3 22) 5 23) 4 24) 2 25) 3 26) 5 27) 4 28) 3 29) 4 30) 5
31) 4 32) 5 33) 3 34) 1 35) 2 36) 2 37) 3 38) 3 39) 4 40) 5


1. ING Vysya Bank has decided to merge with which of the following private banks?
1) ICICI Bank
2) Axis Bank
3) HDFC Bank
4) Kotak Mahindra Bank
5) Yes Bank

2. Who received the prestigious Colonel CK Nayudu Lifetime Achievement Award on November 21, 2014?
1) Sunil Gavaskar
2) Dilip Vengsarkar
3) Syed Kirmani
4) G.R. Viswanath
5) K. Srikkanth

3. Who was honored with the centenary award for Indian Film Personality of the Year 2014 on November 20, 2014?
1) Amitabh Bachchan
2) Kamal Hasan
3) Rajinikanth
4) Shah Rukh Khan
5) Waheeda Rehman

4. Who is the winner of the Sir Garfield Sobers Trophy for ICC Cricketer of the Year?
1) Michael Clarke
2) Kumar Sangakkara
3) AB de Villiers
4) Mitchell Johnson
5) Dale Steyn

5. Who among the following is/are serving as the Chief Minister of a State for the first time?
1) K. Chandrasekara Rao
2) Jitan Ram Manjhi
3) Anandiben Patel
4) Both 1 and 3
5) All 1, 2 and 3

6. Which one of the following books is written by Hillary Clinton?
1) Central Time
2) The Goldfinch
3) Hard Choices
4) The Last Word
5) None of these

7. Who has been appointed the Chairman of the Cauvery Water Disputes Tribunal?
1) Justice RM Lodha
2) Justice Madan B. Lokur
3) Justice M.Y. Eqbal
4) Justice B.S. Chauhan
5) Justice Arjan Kumar Sikri

8. International Telecommunication Union (ITU) is headquartered in?
1) Geneva
2) London
3) Berne
4) Vienna
5) Paris

9. ITU presented the 2014 World Telecommunication and Information Society Award to Paul Kagame, the President of?
1) Uganda
2) Democratic Republic of Congo
3) Rwanda
4) Niger
5) Nigeria

10. The James Beard Foundation Awards are given for excellence in?
1) Poetry
2) Television
3) Films
4) Cuisine
5) Sculpture

11. Donetsk and Luhansk are the cities in?
1) Ukraine
2) Kazakhstan
3) Georgia
4) Poland
5) Portugal

12. Which country topped the Press Freedom Index for 2014?
1) Netherlands
2) Norway
3) Sweden
4) Belgium
5) Finland

13. In the 2014 Lok Sabha elections, in which of the following States the Bharatiya Janata Party did not win all the seats?
1) Gujarat
2) Rajasthan
3) Himachal Pradesh
4) Uttarakhand
5) Madhya Pradesh

14. Which is the third largest party in the 16th Lok Sabha?
1) Trinamool Congress
3) Biju Janata Dal
4) Shiv Sena
5) CPI (M)

15. 2015 marks the 150th anniversary of which of the following agencies of the United Nations Organization?
3) ILO
5) ITU

16. India successfully test-fired indigenously developed Akash, which is a/an?
1) Surface to surface missile
2) Air to air missile
3) Surface to air missile
4) Subsonic missile
5) None of these

17. What is the full form of GIRO?
1) General Instant Recurring order
2) General Interlinked Recurring Order
3) General International Recurring Order
4) General Interbank Recurring Order
5) None of these

18. In banking CASA stands for?
1) Corporate Account, Savings Account
2) Current Account, Savings Account
3) Current Account, Service Account
4) Corporate Account, Service Account
5) None of these

19. Rakhigarhi is a Harappan civilization site in?
1) Gujarat
2) Rajasthan
3) Haryana
4) Punjab
5) Himachal Pradesh

20. Shiv Chowrasia is a player associated with?
1) Golf
2) Squash
3) Billiards
4) Polo
5) Table Tennis

21. In the 7th IPL edition which bowler won the Purple Cap?
1) Sunil Narine
2) Bhuvneswar Kumar
3) Sandeep Sharma
4) Ravindra Jadeja
5) Mohit Sharma

22. Pilot testing of plastic currency notes will not be done in which of the following cities?
1) Shimla
2) Kochi
3) Mysore
4) Jaipur
5) Mumbai

1) 4; 2) 2; 3) 3; 4) 4; 5) 5; 6) 3; 7) 4; 8) 1; 9) 3; 10) 4;
11) 1; 12) 1; 13) 5; 14) 2; 15) 5; 16) 3; 17) 4; 18) 2; 19) 3; 20) 1; 21) 5; 22) 5.


1. Which city hosted the 9th East Asia Summit on November 13, 2014?
1) Manila
2) Singapore
3) Bandar Seri Begawan
4) Nay Pyi Taw
5) Hanoi

2. Who delivered the MAK Pataudi Memorial lecture in Kolkata on November 12, 2014?
1) Sourav Ganguly
2) VVS Laxman
3) Sachin Tendulkar
4) Rahul Dravid
5) Sunil Gavaskar

3. The two-day G20 Summit was held in which of the following cities in November 2014?
1) Perth
2) Canberra
3) Brisbane
4) Adelaide
5) Melbourne

4. Who was sworn in as the new Chief Minister of Goa on November 8, 2014?
1) Francis D' Souza
2) Dayanand Mandrekar
3) Ramesh Tawadkar
4) Laxmikant Parsekar
5) Dilip Parulekar

5. Who took charge as the Union Rural Development Minister in November 2014?
1) Mukhtar Abbas Naqvi
2) Rajiv Pratap Rudy
3) D.V. Sadanand Gowda
4) Harsh Vardhan
5) Birendra Singh

6. Pawan Chamling was sworn in as the Chief Minister of which of the following States for a record fifth consecutive term on May 21, 2014?
1) Arunachal Pradesh
2) Nagaland
3) Tripura
4) Sikkim
5) Mizoram

7. Who has been appointed the Chairman of Central Water Commission?
1) A.B. Pandya
2) N.K. Verma
3) Sujit Choudhury
4) Jawahar Kaliani
5) None of these

8. Salvador Sanchez Ceren assumed office as the President of which of the following countries on June 1, 2014?
1) Panama
2) Guatemala
3) Mexico
4) Uruguay
5) El Salvador

9. Kolkata Knight Riders (KKR) defeated which of the following teams to win the Indian Premier League- 7 Trophy at the M. Chinnaswamy Stadium in Bangalore on June 1, 2014?
1) Rajasthan Royals
2) Kings XI Punjab
3) Chennai Super Kings
4) Royal Challengers Bangalore
5) Mumbai Indians

10. Which team won the National Women's Football championship title for the 17th time in 2014?
1) Manipur
2) Assam
3) Odisha
4) Goa
5) Uttar Pradesh

11. Peter Mutharika was sworn in as the President of which of the following African countries on
May 31, 2014?
1) Niger
2) Namibia
3) Malawi
4) Senegal
5) Djibouti

12. Which country won the 2014 Thomas Cup badminton men's team event at Siri Fort complex in
New Delhi?
1) Japan
2) Malaysia
3) China
4) Indonesia
5) India

13. Who is the author of the book "Anticipating India-The Best of National Interest"?
1) Siddartha Varadarajan
2) N. Ram
3) Neena Vyas
4) Shekhar Gupta
5) Prabhu Chawla

14. Who is the Principal Secretary to the Prime Minister?
1) Rajiv Mathur
2) Nripendra Mishra
3) Harpreet Singh Puri
4) R.K. Singh
5) None of these

15. The Reserve Bank of India allowed minors above what age to independently open and operate
savings bank accounts recently?
1) 10 years
2) 12 years
3) 15 years
4) 16 years
5) 14 years

16. Which of the following statements is correct?
1) President Pranab Mukherjee has launched India's own payment gateway 'RuPay'
2) It is equivalent to Visa and MasterCard
3) RuPay is developed by the National Payments Corporation of India (NPCI)
4) RuPay covers all the ATMs and most of the retail and ecommerce platforms
5) All are correct

17. The annual Cannes Film Festival is held in?
1) France
2) Germany
3) Italy
4) UK
5) Portugal

18. Indian consulate in Herat province was recently attacked by the terrorists. It is in?
1) Iran
2) Afghanistan
3) Syria
4) Pakistan
5) Iraq

19. Surface Pro 3 tablet has been launched by?
1) Google
2) Amazon
3) Microsoft
4) Flipkart
5) Samsung

20. Who is the youngest girl in the world to climb the world's highest peak, Mount Everest?
1) Samantha Larson
2) Ming Kipa
3) Arunima Sinha
4) Malavath Purna
5) None of these

21. The 2016 Thomas Cup badminton tournament will be held in?
1) China
2) Indonesia
3) India
4) South Korea
5) Singapore

1) 4; 2) 2; 3) 3; 4) 4; 5) 5; 6) 4; 7) 1; 8) 5; 9) 2; 10) 1;
11) 3; 12) 1; 13) 4; 14) 2; 15) 1; 16) 5; 17) 1; 18) 2; 19) 3; 20) 4;
21) 1.

Thursday, November 20, 2014

IBPS Bank Clerk CWE General Awareness Solved Paper (Exam Held on 08-12-2013)

1. World Food Day is celebrated every year around the world on– 
(A) 4th July (B) 16th October (C) 12th August (D) 18th May (E) None of these
Ans : (B)

2. The minimum age for becoming a member of the Rajya Subha is– 
(A) 28 years (B) 40 years (C) 30 years (D) 35 years (E) 25 years
Ans : (C)

3. What is the term for bank’s lending to farmers for agriculture, micro and small enterprises, and other weaker sections wherein banks are required to lend up to 40 percent of the loans?
(A) Para Banking (B) Sub Prime Lending (C) Retail Lending 
(D) Non-Priority Sector Lending (E) Priority Sector Lending
Ans : (E)

4. A Bank’s fixed deposit is also referred to as a–
(A) Term Deposit (B) Savings Bank Deposit (C) Current Deposit 
D) Demand Deposit (E) Home Savings Deposit
Ans : (A)

5. As per Census 2011, which of the following Indian states has the lowest population density ?
(A) Nagaland (B) Manipur (C) Arunachal Pradesh
(D) Himachal Pradesh (E) Meghalaya
Ans : (C)

6. To improve access of the poor to banking, Reserve Bank of India has advised banks to open branches with minimum infrastructure supporting up to 8 to 10 business correspondents (BCs) at a reasonable distance of 2-3 km. Such branches are known as.
(A) Nodal Branches (B) Mini Branches (C) Micro Branches 
(D) Ultra Small Branches (E) Satellite Branches
Ans : (D)

7. A target set by UIDAI for issuance of Aadhaar cards up to 2014 is–
(A) 50 crore cards (B) 55 crore cards (C) 45 crore cards 
(D) 40 crore cards (E) 60 crore cards
Ans : (E)

8. Which of the following is a receipt listed in India and traded in rupees declaring ownership of shares of a foreign company?
(A) Indian Depository Receipt (IDR) (B) European Depository Receipt (EDR)
(C) Global Depository Receipt (GDR) (D) American Depository Receipt (ADR)
(E) Luxembourg Depository Receipt (LDR)
Ans : (A)

9. Which of the following statements regarding the ‘Direct Benefits Scheme (DBT)’ of the Government of India is not correct?
(A) The scheme does not covers LPG subsidies, pension payments and scholarships.
(B) Indirect transfer of benefits are more prone to leakage than direct transfer.
(C) Under DBT, money is directly transferred into bank accounts of beneficiaries.
(D) The scheme was launched on 1st January 2013 to cover 20 districts initially.
(E) The scheme is likely to increase the subsidy bill of the Government.
Ans : (A)

10. Which of the following services relate to execution of transactions directly with consumers, rather than corporations or other banks?
(A) Wholesale Banking Services (B) Industrial Banking Services
(C) Investment Banking Services (D) Corporate Banking Services
(E) Retail Banking Services
Ans : (E)

11. The Aadhaar-enabled payment system is banking-led model that facilitates banking facilities through banking correspondents across banks. However, Aadhaar enabled basic types of banking transactions do not include–
(A) Aadhaar to Aadhaar funds transfer (B) Small Overdraft Facility
(C) Cash Withdrawal (D) Balance Enquiry (E) Cash Deposit
Ans : (B)

12. Deepak Lathore is related to which of the following sports?
(A) Hockey (B) Cricket (C) Badminton (D) Football (E) Weightlifting
Ans : (E)

13. A bank without any branch network that offers its services remotely through online banking, telephone/mobile banking and inter-bank ATM network alliances is known as–
(A) Universal Banking (B) Indirect Bank (C) Doorstep Bank 
(D) Direct Bank (E) Unit Banking
Ans : (D)

14. A type of fraud wherein criminals use and innocent persons details to open or use an account to carry out finanical transactions is known as–
(A) Identity Theft (B) Money Laundering (C) Hacking (D) Espionage (E) Phishing
Ans : (A)

15. With a view to integrate them as part of basic banking services, the Reserve Bank of India (Reserve Bank of India), in August 2012, advised banks to restrict the ‘No Frills’ account and offer a–
(A) Lok Mangal Saving Bank Deposit Account (B) Laghu Bachat Saving Deposit Account
(C) Aam Admi Basic Bank Account (D) Basic Savings Bank Deposit Account
(E) Gramin Bachat Account
Ans : (D)

16. According to the provisions of the Income Tax Act, 1961, a resident individual is categorized as a ‘Very Senior Citizen’, when he is–
(A) 80 years of age or older (B) 75 years of age or older
(C) 90 years of age or older (D) 85 years of age or older
(E) 65 years of age or older
Ans : (A)

17. NABARD is responsible for regulating and supervising the functions of–
(A) Investment and Industrial Finance Banks (B) Co-operative Banks and Regional Rural Banks
(C) Corporate Finance and Overseas Banking Unit (D) Private Sector and Multinational Banks
(E) Reserve Bank of India
Ans : (B)

18. The part of a company’s earnings or profit which are paid out to shareholders is known as– 
(A) Capital Gains (B) Interest on Borrowings (C) Taxes (D) Dividends (E) Penal Interest
Ans : (D)

19. The arrangement under which banks sell insurance products acting as the agents of the respective companies is called the– 
(A) Insurance Joint Venture (B) Bancassurance Model (C) Hybrid Insurance Model 
(D) Insurance Broking (E) Integrated Model
Ans : (B)

20. The abbreviation of EMI in banking parlance stands for– 
(A) Equated Monthly Instalment (B) Equal Monthly Increment
(C) Equated Money Instalment (D) Equalized Monthly Instalment
(E) Equating Money Instalment
Ans : (A)

21. Who among the following is the author of the book “The Lowland”?
(A) Jhumpa Lahiri (B) Amitabh Ghosh (C) Salman Rushdie 
(D) Hamid Ansari (E) Chetan Bhagat
Ans : (A)

22. Which of the following Indian universities is Asia’s largest residential university?
(A) Allahabad University (B) Utkal University
(C) Benares Hindu University (D) Anna University
(E) Jawaharlal Nehru University
Ans : (C)

23. We often read about the increasing trend of ‘Plastic Money’ in newspapers and financial magazines. In this respect, which of the following is/are not the forms of Plastic Money?
(A) Debit Card (B) Cash Card
(C) Credit Card (D) Banknote
(E) Store Card
Ans : (D)

24. Derivative contracts that give the buyer the right, but not the obligation, to buy or sell at a predetermined price within or at end of a specified period, are known as– 
(A) Futures Contract (B) Option Contract
(C) Index Futures Contract (D) Currency Swap
(E) None of these
Ans : (B)

25. CASA Ratio of bank indicates the– 
(A) Overall cost of deposit of a bank
(B) Level of high cost term deposits
(C) Share of current and savings bank deposit in the total deposits
(D) Average outstanding level of current and saving deplosits
(E) Capital adequacy of the bank
Ans : (C)

26. Who among the following is the current Chief Election Commissioner (CEC) of India?
(A) K. G. Balakrishnan (B) Ranjit Sinha (C) Montek Singh Ahluwalia 
(D) V.S. Sampath (E) S. Y. Qureshi
Ans : (D)

27. Which of the following actresses was recently (in October 2013) honoured at the British House of Commons for her contribution to the global entertainment industry?
(A) Shabana Azmi (B) Kareena Kapoor (C) Nandita Das 
(D) Aishwarya Rai Bachchan (E) Vidya Balan
Ans : (B)

28. Which of the following is an investment advisory discipline?
(A) Corporate Industrial Finance (B) Offshore Banking (C) Wholesale Banking 
(D) Wealth Management (E) Trade Finance
Ans : (D)

29. Who among the following was recently conferred the first Yash Chopra Memorial Award?
(A) Madhuri Dixit Nene (B) Ramesh Sippy (C) Lata Mangeshkar 
(D) A. R. Rahman (E) None of these
Ans : (C)

30. With effect from 1st July, 2010, for calculation of lending rates, the Reserve Bank of India has advised banks to switch over to the– 
(A) MSF Rate System (B) Reserve Repo Rate System
(C) Bank Rate System (D) Repo Rate System
(E) Base Rate System
Ans : (E)

31. Which of the following institutions is regarded as the ‘lender of the last resort’ by banks in India?
(A) State Bank of India (B) The State Bank Treasury
(C) Reserve Bank of India (D) World Bank
(E) Department of Financial Services
Ans : (C)

32. The World Health Organization (WHO) is a specialized agency of the United Nations (United Nations) that is concerned with International Public Health. It is headquartered at– 
(A) Sweden (B) Switzerland (C) United Kingdom (D) France (E) Germany
Ans : (B)

33. Which of the following communities was most recently notified as a ‘minority community’ by the Ministry of Welfare, Government of India?
(A) Sikhs (B) Zoroastrians (C) Buddhists (D) Jains (E) Christians
Ans : (D)

34. The concept of Microcredit essentially concentrates on– 
(A) Consumption smoothening as and when needed (B) Providing safe place to hold savings
(C) Accepting deposits (D) Provisions of credit to the poor
(E) Facility to transfer money
Ans : (D)

35. An Equity Share is also commonly referred to as– 
(A) Ordinary Share (B) Convertible Share (C) Debenture (D) Security Deposit (E) Preferred Stock
Ans : (A)

36. Cheraw, the bamboo dance, is of which Indian state?
(A) Mizoram (B) Sikkim (C) Arunachal Pradesh
(D) Manipur (E) Assam
Ans : (A)

37. The Electronic Funds Transfer at Point of Sale (EFTPOS) is an electronic payment system involving electronic fund transfer based on the use of– 
(A) Internet Banking (B) Account Payee Cheques
(C) Letter of Credit (D) Debit and Credit Cards
(E) Order and Bearer Cheques
Ans : (D)

38. The process by which a life insurance policy holder can transfer all rights, title and interest under a policy contract to a third person is known as– 
(A) Assignment of the policy (B) Reinvestment of the policy
(C) Hypothecation of the policy (D) Negotiation of the policy
(E) Nomination of the policy
Ans : (A)

39. 8th National Conference on Krishi Vigyan Kendra, 2013 was held at– 
(A) Chennai (B) Mumbai (C) Lucknow (D) Kolkata (E) Bangalore
Ans : (E)

40. Banking Codes and Standard Board of India (BCSBI) has evolved a code of bank’s commitments to customers which set maximum standards of banking practices for banks. For common customers, the code is like a– 
(A) Charter of Rights (B) Charter of Duties (C) Charter of Demands 
(D) Charter of Good Behaviour (E) Charter of Values
Ans : (A)

IBPS Bank Clerk CWE General Awareness Solved Paper (Exam Held on 29-09-2013)

1. Which of the following films won the maximum number of awards at the recent 60th National Film Awards of India ?
(A) Dekh Indian Circus (B) Ustad Hotel (C) Kahaani 
(D) Pan Singh Tomar (E) Dhag
Ans : (A)

2. Who, among the following, did not win the Dhyanchand Award for 2013 ?
(A) Mary D'Souza Sequeira (B) Syed Ali (C) Poornima Mahato 
(D) Anil Mann (E) Girraj Singh
Ans : (C)

3. Who, among the following, is the recipient of the Dronacharya Award 2013 in the field of Hockey ?
(A) Mahavir Singh (B) Narinder Singh Saini (C) K.P. Thomas 
(D) Raj Singh (E) Dharmender Dalal
Ans : (B)

4. The currency of South Korea is– 
(A) Ringgit (B) Yuan (C) Won (D) Peso (E) Kyat
Ans : (C)

5. Under the restructured National Rural Livelihood Mission (NRLM), SCs and the STs will account for a minimum of 50% of financial assistance. Minorities will comprise– 
(A) 3 per cent (B) 9 per cent (C) 15 per cent (D) 21 per cent (E) 33 per cent
Ans : (C)

6. The commencement year of the 15th Lok Sabha is– 
(A) 2003 (B) 2006 (C) 2008 (D) 2009 (E) 2010
Ans : (D)

7. Which of the following financial institutions / organizations aids the growth and development of micro, small and medium-scale enterprises (MSME) in India ?
Ans : (E)

8. Who is the author of Midnight's Children ?
(A) V. S. Naipaul (B) Salman Rushdie (C) Chetan Bhagat 
(D) Jeet Thayll (E) Jhumpa Lahiri
Ans : (B)

9. In which state of India are the Sanchi Stupas located ?
(A) Utter Pradesh (B) Bihar (C) Madhya Pradesh (D) Odisha (E) Rajasthan
Ans : (C)

10. Who won the Best Actor Oscar award at the 85th Academy Awards ?
(A) Al Pacino (B) Daniel Day Lewis (C) Robert De Niro 
(D) Jack Nicholson (E) Anthony Hopkins
Ans : (B)

11. In the most common usage, CIS is associated with–
(A) Citizen of Indian Source (B) Centre for Internet Security
(C) Commonwealth of Independent States (D) Computer and Information Science
(E) Council of International Relations
Ans : (C)

12. Which major national/international championship was recently won by Indian shuttler P.V. Sindhu ?
(A) Denmark Cup (B) Malaysia Open (C) Indonesian Open 
(D) Tokyo International (E) Mao Tse Tung Trophy
Ans : (B)

13. Which of the following is the parliament of Bangladesh ?
(A) Majlis (B) Shura (C) Jatiyo Sangshad (D) jirga (E) Sangosthi
Ans : (C)

14. INS Sindhurakshak was in the news recently. From which country did India get this submarine?
(A) France (B) Russia (C) Sweden (D) Australia (E) United States of America
Ans : (C)

15. Who, among the following, heads the Parliamentary Standing Committee on Finance which deals with Goods and Service Tax (GST)?
(A) Yashwant Sinha (B) Kapil Sibal (C) Sushma Swaraj 
(D) Montek Singh Ahluwalia (E) jaswant Singh
Ans : (A)

16. Who, at present, is the Vice President of India?
(A) M. Hamid Ansari (B) S. Ghulam Ansari (C) I. Noor Ansari 
(D) A. Parvez Ansari (E) H. Muhammad Ansari
Ans : (A)

17. Whcih term refers to the total value of all goods and services produced by all resident units during a certain period of time, minus depreciation ?
(A) Gross Domestic Product (B) Per Capita Product
(C) Gross National Product (D) Net National Product
(E) Gross Capital Formation
Ans : (A)

18. On which river is the Tehri Dam constructed ?
(A) Son (B) Gandak (C) Chambal (D) Bhagirathi (E) Tapti
Ans : (D)

19. Where is the headquarters of the Bank for International Settlements (BIS) located ?
(A) Hong Kong (B) Vienna (C) Mexico City (D) Basel (E) Antwerp
Ans : (D)

20. ‘NREGA’ stands for–
(A) National Rural Employment Guarantee Act (B) New Rural Enterprise Growth Act
(C) National Rural Empowerment Guarantee Act (D) New Rural Economic Growth Act
(E) Nehru Renewable Energy Guarantee Act
Ans : (A)

21. Which of the following areas do not come under Bharat Nirman ?
(A) Water (B) Roads (C) Housing (D) Health (E) Electricity
Ans : (D)

22. The Union Sports Ministry recently announced that Renjith Maheshway would not be given Arjuna Award over the allegations of doping against him. With which sport is he associated?
(A) Marathon (B) Triple Jump (C) Discuss Throw (D) Hurdle's Race (E) Pole Vault
Ans : (B)

23. Who is the author of Bengali Romance novel ‘Devdas’ ?
(A) Bimal Roy (B) Sarat Chandra Chattopadhyay (C) Sudhendu Ghosh 
(D) Indra Sen (E) Sumit Mitra
Ans : (B)

24. Who, among the following is the Speaker of Lok Sabha ?
(A) Pallam Raju (B) Meira Kumar (C) Veerappa Moily 
(D) Shriprakash Jaiswal (E) Charan Das Mahant
Ans : (B)

25. At present, the President of Afghanistan is–
(A) Hamid Karzai (B) Abdullah Abdullah (C) Ramazan Bashardost 
(D) Ashraf Ghani Ahmadzai (E) Mirwais Yasini
Ans : (A)

26. Who, at preset is the Chief of the Naval Staff of India ?
(A) Madhvendra Singh (B) Arun Prakash (C) Suresh Mehta 
(D) Nirmal Kumar Verma (E) Devendra Kumar Joshi
Ans : (E)

27. What does ‘UNCTAD’ stand for ?
(A) United Nations Conference on Trade and Development (B) United Nations Convention on Troubled Darfur
(C) United National Commission on Tokyo Declaration (D) United Nations Charter on Tariffs and Development
(E) United Nations Convention on Treatment of Dengue
Ans : (A)

28. Which country will host the 2016 Olympic Games ?
(A) Japan (B) Spain (C) Brazil (D) Australia (E) Canada
Ans : (C)

29. With which sports is Leander Paes associated?
(A) Soccer (B) Golf (C) Tennis (D) Billiards (E) Squash
Ans : (C)

30. With which sports is Yelena Isinbayeva related?
(A) Long Jump (B) Gymnastics (C) Tennis (D) Pole Vault (E) Decathlon
Ans : (D)

31. The capital of Mauritius is–
(A) Port Louis (B) Camp Carol (C) Britannia 
(D) Goodlands (E) Union Park
Ans : (A)

32. Which of the following countries is not a member-state of ASEAN ?
(A) Indonesia (B) Japan (C) Malaysia (D) The Philippines (E) Singapore
Ans : (B)

33. Who, at present, is the Chairman of the Planning Commission of India ?
(A) Manmohan Singh (B) P. Chidambaram (C) Sonia Gandhi 
(D) Montek Singh Ahluwalia (E) Kapil Sibal
Ans : (A)

34. The capital of Andaman and Nicobar Islands is–
(A) Ross Island (B) Port Blair (C) Car Nicobar (D) Viper Island (E) Silvassa
Ans : (B)

35. Which of the following countries will host the 18th SAARC Summit ?
(A) Afghanistan (B) India (C) Maldives (D) Nepal (E) Bangladesh
Ans : (D)

36. With which sports is Mary Kom associated ?
(A) Boxing (B) Wrestling (C) Judo (D) Chess (E) Weightlifting
Ans : (A)

37. On which day is the United Nations Day celebrated ?
(A) 2nd October (B) 14th August (C) 16th September (D) 24th October (E) 14 November
Ans : (D)

38. Where is the headquarters of the International Civil Aviation Organization (ICAO) located ?
(A) Sydney (B) Frankfurt (C) Montreal (D) Oslo (E) Edinburgh
Ans : (C)

39. With which sports is Abhinav Bindra associated?
(A) Chess (B) Shooting (C) Golf (D) Squash (E) Swimming
Ans : (B)

40. With which language is Sugathakumari associated ?
(A) Marathi (B) Kannada (C) Odia (D) Malayalam (E) Telugu
Ans : (D)

Thursday, November 13, 2014


1. The internet banking providing many banking services making the customers life easier. Which of the following risks recognized internationally in the internet banking?
1) Operational risk
2) Credit risk
3) Liquidity risk
4) Foreign exchange risk
5) All of above

2. Operational risk in the internet banking means .........
1) Inaccurate processing of transactions
2) Non privacy and confidentiality
3) Attacks or unauthorized access to banks systems and databases
4) Weak technology adoption
5) All of above are part of Operational risk

3. When counter-party fails to settle an obligation when due or any time henceforth for its full value and the credit worthiness of the customer may not be properly evaluated is termed as ............ in internet banking.
1) Operational risk
2) Liquidity risk
3) Credit risk
4) Security risk
5) Reputation risk

4. In the internet banking, the bank may face liquidity crunch in short-term time horizon, once the outflow of fund may increase suddenly, it is called ...........
1) Foreign exchange risk
2) Credit risk
3) Operational risk
4) Liquidity risk
5) None of above

5. President Pranab Mukherjee on 30 September 2014 authorized Rajiv to act as....
1) Central Vigilance Commissioner (CVC)
2) Chief Justice of India
3) Central Election Commissioner
4) Head of BSF
5) None

6. The Security risk is one of the very important issue in internet banking systems. The security risk in the internet banking is ..............
1) hacking
2) stealing of KYC data from online
3) the information use by other agencies to tap the account holder business
4) it is tough for the banks to bring the awareness among all customers to follow the security measures
5) All of above

7. It is tough for the RBI to see whether banks are following the guidelines of RBI regarding the online transactions, as they are fast, millions of transactions done in the short period and very tough to audit them in the short period. The banking pundits termed this risk as .............
1) Money risk
2) Stand-off risk
3) Funds risk
4) Compliance risk
5) Credit risk

8. If any bank offers the internet banking suffers from ........... due to negative opinion if the network systems failed or discontinued for a considerable time.
1) Credit risk
2) Monetary risk
3) Compliance risk
4) Reputation risk
5) None of above

9. Sometimes the bank face which risk in the internet banking in the case of hushing attacks or any other fraudulent activities where the terms and conditions have not been framed adequately by the bank?
1) Volatility risk
2) Operational risk
3) Specified risk
4) Legal risk
5) Causality risk

10. Wrong implementation of unfavourable market conditions related to either the banking products offered through electronic channel is called ............
1) Statutory risk
2) System risk
3) Strategic risk
4) Employee risk
5) All of above

11. It is known fact that the bank staff and the customers in the internet banking have no personal interaction. The internet banking transfer transactions of dubious nature may be done by the offenders without much of hassles is called ..........
1) Credit risk
2) Phenomenon risk
3) Primary risk
4) Money laundering risk
5) None of above

12. NABARD set up how much corpus fund to provide loans to cold chains as declared on 3 November 2014?
1) Rs.100 crore
2) Rs.500 crore
3) Rs.750 crore
4) Rs.1000 crore
5) None of above

13. RBI on 31 October 2014 has raised the limit for urban co-operative banks (UCBs) to sanction loan against gold collateral to ............
1) Rs.3 Lakh
2) Rs.10 Lakh
3) Rs. 2 Lakh
4) Rs. 4 Lakh
5) None

14. Which Indian bank on 26 September 2014 said it has signed a line of credit (LoC) of $500 million with Export-Import Bank of Korea (Korea EXIM Bank)?
1) Bank of India
2) Union Bank of India
3) SBI
4) BOB
5) SBH

15. Five associate banks would raise about ..... capital to meet Basel III norms in the next five years as stated on 21 September 2014.
1) Rs.33,000 cr
2) Rs.5,000 cr
3) Rs.12,000 cr
4) Rs.75,000 cr
5) Rs.19,000 cr

16. Rashtriya Ekta Diwas celebrates on 31 October on the eve of birth day of ..........
1) Mahatma Gandhi
2) Deendayal Upadhyaya
3) Sardar Vallabhai Patel
4) Jayaprakash Narayan
5) Shyam Prasad Mukherjee

17. Locate the wrong combination.
1) National Diabetes day - 14 November
2) International Day of Students - 18 November
3) International Day for Tolerance - 16 November
4) International Men's Day - 19 November
5) International Day for the Elimination of Violence Against Women - 25 November

18. Demonstrating the mission of promoting the growth and development of Micro, Small and Medium Enterprises with dedication and commitment, the Ministry of Micro, Small and Medium Enterprises was conferred with ......................
1) ISO 9001 : 2010
2) ISO 9001 : 2011
3) ISO 9001 : 2009
4) ISO 9001 : 2008
5) None of above

19. Union Minister for Micro, Small & Medium Enterprises is ..........
1) Kalraj Mishra
2) Venkaiah Naidu
3) Nitin Gadkari
4) Sushma Swaraj
5) None of above

20. On 18th October 2014, the second Para Asian Games begins at ...........
1) New Delhi
2) Tokyo
3) Pyongyang
4) Manila
5) Incheon

21. Slogan of second Para Asian games 2014 is ...........
1) Inspire a Generation
2) People, Place, Passion
3) Diversity Shines Here
4) A Wave of Passion, Now Begins!
5) None of above

22. Amit Kumar won a gold medal in second Para Asian games in .....
1) Athletics
2) Badminton
3) Swimming
4) Power lifting
5) Judo

23. On 20 October 2014, Joko Widodo assumed office as the new president of .........
1) Fiji
2) New Zealand
3) Turkey
4) Philippines
5) Indonesia

24. Indonesia capital is Jakarta and its currency is ...........
1) Real
2) Peso
3) Lira
4) Rupiah
5) Taka

25. Currency code of Indonesian Rupiah is .......
1) INR
2) IND
3) IDR
4) RUI
5) None of above

26. "Chalein Saath Saath: Forward Together We Go" is the vision statement between ...........
1) India and Bhutan
2) India and Nepal
3) India and USA
4) India and China
5) None

27. Umbrella Revolution in the news recently relates to ....................
1) Demand for democracy by Hong Kong people
2) Demand for separate nation by Kashmir people
3) Demand by India to join in UNO Security Council
4) Demand for the separate state by the people of Vidarbha in Maharashtra
5) None of above

28. On 20 October 2014 WHO declared which nation as Ebola free country?
1) Guinea
2) Burkina Faso
3) Mali
4) Ghana
5) Nigeria

29. Which nation tourism department on 18 October 2014 launched the Gandhi - Inspired Tourist Attraction project that identifies 13 places that were connected to his life?
1) Pakistan
2) UK
3) South Africa
4) Bangladesh
5) None

30. On 12 October 2014, India declared how much aid for reconstruction of Gaza Strip that was destroyed during the Palestine and Israel conflict?
1) $ 10 million
2) $ 4 billion
3) $ 3 million
4) $ 2 million
5) $ 4 million

31. India announced to contribute ............. to the United Nations to fight the deadly Ebola virus in Africa on 25 September 2014.
1) $ 18 million
2) $ 2 million
3) $ 12 billion
4) $ 12 million
5) None

32. India successfully test-fired it's indigenously developed nuclear capable sub-sonic missile Nirbhay from ...................
1) Thiruvananthapuram
2) Sriharikota
3) Chennai
4) Chandipur
5) None

33. Which state government's rural development and rural water supply system drew the World Bank and UNICEF. The highlight of the project is to supply filtered- and arsenic-free water to the rural households?
1) Odisha
2) Bihar
3) West Bengal
4) Assam
5) Tripura

34. Which state government on the eve of Rajyotsava on 1 November 2014, changed the name of Bangalore into Bengaluru, Mangalore into Mangaluru? On the same day it also changed the names of other 9 cities or towns, saying good bye to colonial names.
1) Andhra Pradesh
2) Odisha
3) Karnataka
4) Tamilnadu
5) None

35. MIGA is one of the lending agency of World Bank group. MIGA stands for ...............
1) Mutual Investment Guarantee Agency
2) Multilateral Investment Goods Agency
3) Multilateral Investment Guarantee Agency
4) Multilateral Internal Guarantee Agency
5) None

36. Headquarters of the international agencies/ summits given. Locate the wrong option.
1) UNO-New York
2) UNESCO-Paris
3) IAEA-Tokyo
4) WTO-Geneva
5) SAARC-Kathmandu

37. 'The Oath of the Vayuputras' written by ......
1) Chetan Bhagath
2) Robin Sharma
3) Arundhati Roy
4) Narendra Modi
5) Amish Tripathi

38. 'Chanakya's Chant' written by ...............
1) Chetan Bhagath
2) Amish Tripathi
3) Ashwin Sanghi
4) Aravind Adiga
5) None

39. Fifth Annual Forex Assembly on 8 October 2014 inaugurated at ....................
1) Mumbai
2) Hyderabad
3) Kolkata
4) Chennai
5) Nagpur

40. "Kobane" city is under attack from "Islamic state" organization is located in ...............
1) Syria
2) Afganistan
3) Iraq
4) Pakistan
5) None

41. Six Software Technology Parks of India (STPIs) will be established in .................. as per the statement given by Union Government on 30 September 2014.
1) AP
2) Tamilnadu
3) Jammu & Kashmir
4) Odisha
5) Assam

42. Who among the following is the Director of Indian Cricket team whose tenure was extended till Cricket World Cup in 2015?
1) Sunil Gavaskar
2) Sandip Patel
3) Ravi Shastri
4) Vengsarkar
5) None

43. Jamia Millia University located in .............
1) Mumbai
2) Chennai
3) Rajkot
4) Baroda
5) New Delhi
Ans: 5

44. As part of supervision of cross border operations of Indian banks abroad, RBI sets up supervisory college for Axis Bank in ..........
1) Mumbai
2) Delhi
3) Pune
4) Hyderabad
5) Kanpur
Ans: 1

1-5, 2-5, 3-3, 4-4, 5-1, 6-5, 7-4, 8-4, 9-4, 10-3
11-4, 12-4, 13-3, 14-3, 15-1, 16-3, 17-2, 18-4, 19-120-5
21-4, 22-1, 23-5, 24-4, 25-3, 26-3, 27-1, 28-5, 29-3, 30-5
31-4, 32-4, 33-3, 34-3, 35-3, 36-3, 37-5, 38-3, 39-1, 40-1
41-4, 42-3, 43-5, 44-1


1. Which of the following banks has recently introduced mobile banking service for its customers,
to commemorate 50 years of its journey in the Indian financial sector?
a) Union Bank of India
b) IDBI Bank
c) Kerala Grameena Bank
d) Karur vysya Bank
e) ICICI Bank

2. Currency Swap is an instrument to manage?
a) Interest rate risk
b) Currency risk
c) Currency and interest rate risk
d) Cash inflows in different currencies
e) All of the above

3. The RBI widened infrastructure sector lending sub-category recently. Which of the following sectors qualify for infrastructure sector lending?
a) Communication
b) Water and sanitation
c) Energy
d) Transport
e) All the above

4. Expand the term IMPS.
a) Immediate Mobile Payment Service
b) Inter-Mobile Payment Service
c) International Mobile Payment Service
d) Instant Payment Service
e) None of these

5. Doha Bank , which has been sanctioned licence to start its operations in India, belongs to which
of the following countries?
a) Kuwait
b) Iran
c) Bahrain
d) Qatar

6. CAPART (Council for Advancement of People's Action and Rural Technology) is associated
with which of the following?
a) Energy Sector
b) Rural Development
c) Infrastructure
d) Foreign Trade
e) None of these

7. How many alphabets will be there in PAN CARD provided by Income Tax Department?
a) Four
b) Five
c) Seven
d) Three
e) SIX

8. Which of the following banks has recently approved 30 million US dollars loan to Assam which
will help it in its drive to eliminate power sector inefficiencies that are hurting its consumers, its
world-famous tea industry, and its environment?
a) World Bank
b) Asian Development Bank
c) Yes Bank
d) Indian Bank
e) All of the above

9. Under provisions of which one of the following Acts, the RBI issues directives to the Banks in
a) Banking Regulation Act
b) Essential Commodities Act
c) RBI Regulation Act
d) RBI and Banking Regulation Act
e) None of these

10. Which of the following companies will be provided equity investment of 50 million US dollars by The Asian Development Bank ?
a) Tata Power
c) ReNew Power Ventures Private Limited
e) None of these

11. Which of the following can be obtained only from a bank?
a) Demand draft
b) Postal Stamps
c) Judicial Stamp Papers
d) Birth Certificates
e) All of these

12. SBI has launched six digital branches across the country as part of its programme to offer next
generation banking solutions. What is the name given to these digital branches?
a) SBI Digital
b) SBI Intouch
c) SBI Tech
d) Digi SBI
e) None of these

13. C Rangarajan Committee has recently submitted its report on which of the following matters?
a) Sanitation
b) Food
c) Poverty
d) Education
e) All of these

14. Which among the following committee is set up for giving clear definitions to FDI and FII with
an aim to remove ambiguity over the two types of foreign investments?
a) Gopinath committee
b) Subir Gokarn committee
c) Arvind Mayaram committee
d) Sushma Nath committee
e) None of these

15. The erstwhile UTI Bank is presently known as:
a) ING Vaisya Bank
b) Yes Bank
c) Indus Ind Bank
d) Axis Bank

16. The abbreviation UIDAI stands for
a) Unique Identification Division of All India
b) Unique Identification Department of Ancient India
c) Unique Identity Division of Ancient India
d) Unique Identification Authority of India
e) None of these

17. Ms.Christine Lagarde is holding which of the following positions at present?
a) Chief of Asian Development Bank
b) Chief of International Monetary Fund
c) Chancellor of Germany
d) Chief of Morgan Stanley
e) Chief of World Bank

18. It is mandatory to quote the following identification number on all large value financial transactions.
a) PAN number
b) Voter ID
c) PIN
d) Ration Card Number
e) Phone Number

19. Which of the following is NOT a Banking or Finance Company?
a) Barclay
b) Luftansa
c) BNP Paribas
d) American Express

20. Which of the following is the part of the name of a Public Sector Bank in India?
a) Jindal
b) Gokhale
c) Jaipuria
d) Tata
e) Dena

1) b; 2) d; 3) e; 4) a; 5) d; 6) b; 7) e; 8) b; 9) a; 10) c;
11) a; 12) b; 13) c; 14) c; 15) d; 16) d; 17) b; 18) a; 19 b 20) e;

Sunday, November 9, 2014


1. India won a bronze medal for the first time in which of the following tournaments in May 2014?
1) Thomas Cup
2) Uber Cup
3) Sudirman Cup
4) Fed Cup
5) None of these

2. Narendra Damodardas Modi was sworn in as the 15th Prime Minister of India on?
1) May 16, 2014
2) May 20, 2014
3) May 26, 2014
4) June 2, 2014
5) May 13, 2014

3. Jose Mario Vaz assumed office as the President of which of the following African countries on June 23, 2014?
1) Liberia
2) South Sudan
3) Sierra Leone
4) Guinea-Bissau
5) Lesotho

4. Donna Vekic won the 2014 Malaysian Open tennis title. She belongs to?
1) Slovakia
2) Czech Republic
3) Serbia
4) Uzbekistan
5) Croatia

5. The 2014 UNESCO Guillermo Cano World Press Freedom Prize was won by Ahmet Sik, an investigative journalist from?
1) Iran
2) Iraq
3) Syria
4) Turkey
5) Kuwait

6. The 24th ASEAN Summit was held in which of the following cities in May 2014?
1) Singapore
2) Jakarta
3) Manila
4) Bandar Seri Begawan
5) Nay Pyi Taw

7. A two-day conference on nuclear test ban for Southeast Asia and Pacific Far East regions was held in May 2014 in?
1) Burma
2) Japan
3) Indonesia
4) South Korea
5) Philippines

8. The International Union for Conservation of Nature (IUCN) is headquartered in?
1) France
2) UK
3) Canada
4) Sweden
5) Switzerland

9. Who decides whether a Bill is a Money Bill or not?
1) Union Finance Minister
2) President
3) Prime Minister
4) Lok Sabha Speaker
5) Union Parliamentary Affairs Minister

10. Achanakmar Wildlife Sanctuary is located in?
1) Madhya Pradesh
2) Odisha
3) Chhattisgarh
4) Assam
5) Karnataka

11. The 2015 Special Olympics World Summer Games for athletes with intellectual disabilities will
be held in?
1) Dublin, Ireland
2) Toronto, Canada
3) Shanghai, China
4) Los Angeles, USA
5) Frankfurt, Germany

12. Naveen Patnaik has been sworn in as the Chief Minister of Odisha for the?
1) Second consecutive term
2) Third consecutive term
3) Fourth consecutive term
4) Fifth consecutive term
5) None of these

13. Who assumed office as the President of Panama on July 1, 2014?
1) Isabel Saint Malo
2) Ricardo Martinelli
3) Samuel Lewis Navarro
4) Juan Carlos Varela
5) None of these

14. In which of the following states the ruling party is Biju Janata Dal?
1) Bihar
2) Tripura
3) Odisha
4) West Bengal
5) Karnataka

15. Mark Selby and John Astley are associated with?
1) Snooker
2) Golf
3) Chess
4) Table Tennis
5) Athletics

16. Ehud Olmert was sentenced to six years in prison for bribery. He is the former Prime Minister of?
1) Syria
2) Israel
3) Yemen
4) Lebanon
5) Libya

17. Which of the following is the currency of Argentina?
1) Real
2) Riel
3) Shekel
4) Peso
5) Franc

1) 2 2) 3 3) 4 4) 5 5) 4 6) 5 7) 3 8) 5 9) 4 10) 3
11) 4 12) 3 13) 4 14) 3 15) 1 16) 2 17) 4


1. In the Global Gender Gap Report 2014, India has been ranked?
1) 114
2) 101
3) 136
4) 124
5) 121

2. Which country topped the Global Gender Gap Report 2014?
1) Iceland
2) Finland
3) Norway
4) Sweden
5) Denmark

3. Michael Sata died in London on October 28, 2014. He was the President of?
1) Somalia
2) Sudan
3) Zambia
4) Tanzania
5) Lesotho

4. Who assumed office as the Chief Minister of Haryana on October 26, 2014?
1) Ram Bilas Sharma
2) Anil Vij
3) Narbir Singh
4) Manohar Lal Khattar
5) Abhimanyu

5. Who was/were inducted into Don Bradman Hall of Fame on October 29, 2014?
1) Sachin Tendulkar
2) Steve Waugh
3) Ricky Ponting
4) Both 1 and 2
5) All 1, 2 and 3

6. The Asian Infrastructure Investment Bank (AIIB) is an international financial institution proposed by?
1) South Korea
2) Philippines
3) China
4) India
5) Japan

7. How many countries signed an agreement to become founding members of the Asian Infrastructure Investment Bank?
1) 20
2) 21
3) 24
4) 25
5) 28

8. The gender gap index was first introduced in 2006 by the?
1) World Bank
2) International Monetary fund
3) World Economic Forum
4) UN Women
5) United Nations Organization

9. Who is the author of the book 'Fantastic Beasts and Where to find Them'?
1) Carlotta Gall
2) J.K. Rowling
3) Eimear McBride
4) Wendy Doniger
5) None of these

10. T.R. Zeliang was sworn in as the Chief Minister of which of the following States on May 24, 2014?
1) Arunachal Pradesh
2) Tripura
3) Nagaland
4) Assam
5) Manipur

11. The Central Vigilance Commissioner is appointed by the?
1) Prime Minister
2) Home Minister
3) President
4) Vice President
5) Lok Sabha Speaker

12. Which of the following is the name of Advanced Light Helicopter?
1) Rudra
2) Cheetah
3) Chetak
4) Dhruv
5) Tejas

13. Who is the current Chairman of the Competition Commission of India?
1) Ashok Chawla
2) M.L. Tayal
3) S.L. Bunker
4) Sudhir Mittal
5) U.C. Nahta

14. Who is the first Indian scientist to reach the h-index of 100?
1) CNR Rao
2) CV Raman
3) APJ Abdul Kalam
4) A. Shivathanu Pillai
5) None of these

15. Lingaraja Temple is located in which of the following cities?
1) Kanchipuram
2) Bhubaneswar
3) Kolkata
4) Bhopal
5) Patna

16. 'Inclusive Growth' is a phrase used in India's?
1) 11th Plan
2) 12th Plan
3) 10th Plan
4) Both 1 and 2
5) All 1, 2 and 3

17. Whose best known works are 'The Golden Notebook', Memoirs of a Survivor' and 'The Summer Before the Dark'?
1) Alice Munro
2) Hilary Mantel
3) Doris Lessing
4) Herta Muller
5) Eleanor Catton

18. Classification of an enterprise into public or private sector is based on?
1) Number of employees in the enterprise
2) Ownership of assets of the enterprise
3) Employment conditions for workers in the enterprise
4) Nature of products manufactured by the enterprise
5) None of these

19. The Internal Security Academy was established under the aegis of Ministry of Home Affairs,
Government of India at?
1) Hyderabad
2) Mount Abu
3) Nasik
4) Dehradun
5) Pune

20. Dul Hasti hydroelectric power plant is located in?
1) Assam
2) West Bengal
3) Jammu and Kashmir
4) Arunachal Pradesh
5) Himachal Pradesh

21. Dalia Grybauskaite was reelected as the President of which of the following countries in May
1) Lithuania
2) Latvia
3) Slovenia
4) Costa Rica
5) Slovakia

22. Which country won the Uber Cup women's badminton title in New Delhi on May 24, 2014?
1) Japan
2) China
3) India
4) Malaysia
5) South Korea

23. Kristin Lund is the first-ever woman to serve as the head of a UN peace keeping operation. She belongs to?
1) Denmark
2) Latvia
3) Norway
4) Finland
5) Netherlands

1) 1 2) 1 3) 3 4) 4 5) 4 6) 3 7) 2 8) 3 9) 2 10) 3
11) 3 12) 4 13) 1 14) 1 15) 2 16) 4 17) 3 18) 2 19) 2 20) 3
21) 1 22) 2 23) 3


1. Primary relationship between a banker and customer starts from .......
1) when the customer opens a bank account.
2) when customer visits the bank.
3) when customer read the broacher of bank.
4) when the customer read the bank advertisement in the newspaper.
5) None of above

2. Relationship between banker and customer can be defined as .......
1) Ethical
2) Philosophical
3) Contractual
4) Negligible
5) Sacrosanct

3. In the case of the deposit of cash in the bank, the bank is ........ and the customer is .......
1) Employer, Employee
2) Master, Servant
3) Principal, Agent
4) Debtor, Creditor
5) None of above

4. Customer taken the loan from bank. Then the relation between bank and customer is that bank is ...... and customer is .......
1) Lesser, Lessee
2) Debtor, Creditor
3) Creditor, Debtor
4) Servant, Master
5) None of above

5. If the customer allowed to enjoy the overdraft then the customer is ........ and the bank is .......
1) creditor, debtor
2) agent, principal
3) master, servant
4) debtor, creditor
5) None of above

6. Usually, many customers are creditors of the bank. But which type of creditors they are?
1) General creditors
2) Preferential creditors
3) Privileged creditors
4) Special creditors
5) None of above

7. Locker provided by the bank to the customer, then bank is ....... and customer is .......
1) Employer, Employee
2) Lesser, Lesse
3) Debtor, Creditor
4) Creditor, Debtor
5) None of above

8. If the customer taken Demand Draft from the bank, then customer ....... and bank is .......
1) Under writer, writer
2) Owner, servant
3) Master, servant
4) Creditor, debtor
5) None of above

9. In the case of Cheque collection, bank is ...... and customer is ......
1) Debtor, Creditor
2) Creditor, Debtor
3) Master, Servant
4) Agent, Principal
5) None of above

10. Customer mortgaged the property with bank to raise the loan. Then ........
1) Bank is owner and customer is seller
2) Bank is agent and customer is principal
3) Customer is mortgagor and bank is mortgagee
4) Customer is debtor and bank is creditor
5) None of above is the correct option

11. Usually the customer gives some standing instructions to the bank at the time of doing banking transactions. Then .......
1) Bank is agent and customer is principal
2) Bank is borrower and customer is lender
3) Customer is master and bank is slave
4) Customer is lender and bank is borrower
5) None of above is the correct option

12. Money deposited by the customer but instructions not given for its disposal by the customer to the bank. Then customer is beneficiary and bank is ......
1) Owner
2) Garnishee
3) Trustee
4) Servant
5) Fiduciary

13. Bank has an obligation to honour cheque drawn on it provided the customer has sufficient funds. However this obligation is extinguished .......
1) On the last working day of every month, as it is closing day and bank need not hear what customer say
2) If the bank received the garnishee order from the court
3) If the bank received the oral instruction from the friend of the customer
4) If the customer changed his residential address and not intimated to the bank
5) None of above

14. In the following of which case, when the bank is liable?
1) Bank dishounered the cheque, though the funds are available.
2) Bank did not follow the standing instruction of the customer.
3) Bank employees made the theft of the goods put in the locker.
4) Bank employee took the cash deposited in the bank account.
5) In all above cases, the bank is liable and it should compensate the customer.

15. The relation between a banker and a customer comes to an end in which of the following case?
1) At the death of the customer
2) The customer closing the account i.e. voluntary termination
3) Liquidation of the company
4) The closing of the account by the bank after giving due notice
5) All of above

16. An electronic application of a physical passbook for savings bank and current accounts ‘mpass book’ on 22 October 2014 launched by ........
1) SBI
2) RBI
3) BOB

17. Government of India has set up a committee to frame bankruptcy law to enable entrepreneurs to close down unviable businesses under the chairmanship of .......
1) Gopalakrishna
2) Viswanathan
3) Malegam
4) G N Bajpai
5) K.V. Kamath

18. Which bank has raised Rs.2,500 crore by selling perpetual bonds at 10.75% annual coupon rate on 20 October 2014?
1) SBI
4) Axis Bank
5) BOB

19. Which bank was adjudged as the 'best bank' for use of Technology for Financial Inclusion in the edition of DRBT Banking Technology Excellence award for 2013-14 on 1 October 2014?
2) Karur Vysya Bank Limited
3) Federal Bank
4) United Bank of India
5) None

20. On 7 October 2014, which International Monetary Organization promised to provide an estimated investment of $2.5 billion to Andhra Pradesh government, to set up industrial zones in Visakhapatnam and Chennai Corridor?
2) IMF
3) IDA
4) BRICS New Development Bank
5) ADB

21. The combination of Bank and its punch line given. Locate the correct one.
1) Allahabad Bank - A tradition of trust
2) Andhra Bank - For all your needs
3) Bank of Baroda - India's International Bank
4) Bank of Maharashtra - One family one Bank
5) All of above

22. Consortium Advances increasing now a days. Consortium Advances mean .........
1) Many borrowers take loans from single bank
2) Self help groups loans giving to BPL families
3) Joint financing by more than one bank
4) RBI and Bank give loans to any single borrower
5) None of these

23. International stammering awareness day observed on .........
1) 12 October
2) 14 October
3) 18 October
4) 22 October
5) None

24. World Hand washing day celebrates on .......
1)18 Oct
2)19 Oct
3)15 Oct
4)16 Oct
5)17 Oct

25. Narendra Modi first radio speech on 3
October 2014 is christened as ......
1) Mera Man Appka Vikas
2) Sab Ka vikas Sab ke paas
3) Mera Batth Aap Suniye
4) Mann Ki Baat
5) None

26. Union Ministry of Science & Technology announces 'KIRAN' scheme for Women Scientists. KIRAN stands for Knowledge, Involvement, Research, Advancement through .......
1) Nurturing
2) Nurse Traineeship
4) New License System
5) None

27. On 3 October 2014, thirty two people killed and about 15 were injured in a stampede that occurred at the main Dussehra event at Gandhi Maidan in ........
1) Hyderabad
2) Gandhi Nagar
3) Sabarmathi
4) Wardha
5) Patna

28. Invest Madhya Pradesh − Global Investors Summit − 2014 inaugurated on 9 October 2014 at .......
1) Bhopal
2) Ujjain
3) Gwalior
4) Indore
5) Dewas

29. Which scheme will be launched to ensure housing for all by 2022 by the Union government in the light of Prime Minister’s call of ‘Har Parivar ko Ghar’?
1) Pandit Deendayal Urban Housing Mission
2) Jaya Prakash Narayan Urban Housing Mission
3) Sardar Patel Urban Housing Mission
4) Atal Urban Housing Mission
5) None

30. Lal Bahadur Shastri National Award for Excellence in Public Administration, Academics and Management for the year 2014 conferred on .......
1) Abdul Kalam
2) Dr. Apathukatha Sivathanu Pillai
3) Tessy Thomas
4) M.S. Swami Nathan
5) Arvind kejriwal

31. Union Transport Minister Nitin Gadkari launched ethanol-run environment-friendly public buses in ......
1) Nagpur
2) Hyderabad
3) Kochi
4) Kanpur
5) Jaipur

32. Khaled Bahah newly elected as Prime Minister of .......
1) Yemen
2) Dubai
3) Saudi Arabia
4) Afghanistan
5) None

33. Yemen capital Sana'a and its currency ......
1) Dollar
2) Pound
3) Peso
4) Lira
5) Rial

34. On 21 October 2014 at the National Constitution Centre in Philadelphia, who was conferred with Liberty Medal 2014. The award constituted in 1988 by USA?
1) Dalialama
2) Abdul Kalam
3) Nelson Mandela
4) Kailash Satyarthi
5) Malala Yousafzai

35. UK India Business Council chairman Patricia Hewitt in the commerce category, Dame Asha Khemka for services in the field of education and actor Madhav Sharma for culture were conferred with .........
1) Inaugural Dadabhai Naoroji Awards
2) Inaugural Nobel prizes
3) Inaugural Lal bahadur Shastri Awards
4) CSIR NRI Awards
5) None of above

36. On 23 September 2014 who was appointed as Prime Minister Narendra Modi's Sherpa for the Group of 20 annual Summit 2014?
1) Hardeep singh Puri
2) Jai Shankar
3) Nirupama Rao
4) Rajdeep Sardesai
5) Suresh Prabhu

37. Rajiv Mehrishi is appointed as the new ......
1) Revenue Secretary
2) Petroleum Secretary
3) Finance Secretary
4) Foreign Secretary
5) None of above

38. Who has been appointed as the new Chief Economic Advisor to the Indian government?
1) Kaushik Basu
2) Chidambaram
3) Arvind Subramanian
4) Ashok Gulati
5) None

39. On 8 October 2014, government of India decided to sell LED bulbs to households at .......... against the market price of 400 rupees.
1) 20 rupees
2) 40 rupees
3) 50 rupees
4) 70 rupees
5) 10 rupees

40. Species and Spaces, People and Places is the report released by ........
1) UNO
3) WTO
4) WWF
5) None

1-1, 2-3, 3-4, 4-3, 5-4, 6-1, 7-2, 8-4, 9-4, 10-3
11-1, 12-3, 13-2, 14-5, 15-5, 16-1, 17-2, 18-3, 19-3, 20-5
21-5, 22-3, 23-4, 24-3, 25-4, 26-1, 27-5, 28-4, 29-3, 30-2
31-1, 32-1, 33-5, 34-5, 35-1, 36-5, 37-3, 38-3, 39-5, 40-4.