Saturday, November 29, 2014

CENSUS - 2011 IMPORTANT FACTS

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?
1) ICBC
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
4) DICGC
5) Finance Ministry

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

29. Which of the following is the name of a currency of a
country?
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
2) SEBI
3) GIC
4) RBI
5) IRDA

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

ANSWERS:
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

GENERAL AWARENESS PRACTICE QUESTIONS

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
2) AIADMK
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?
1) UNICEF
2) UNEP
3) ILO
4) ICAO
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

ANSWERS:
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.

GENERAL AWARENESS PRACTICE MCQs

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

ANSWERS:
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 ?
(A) IRDA (B) SEBI (C) NABARD (D) RBI (E) SIDBI
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)