PRACTICE SET

SBI Associates PO
1) hut 2) sat 3) nut
Test-I: Reasoning (High Level) 4) kat 5) None of these
8. What may be the possible code for ‘gross demand
Directions (Q. 1-5) : Read the following information market’?
carefully and answer the following questions: 1) cut but sat 2) hut put cut 3) vat sat hut
1. Which of the following symbols should replace the 4) Can’t be determined 5) None of these
question mark (?) in the given expression in order to 9. What may be the possible code for ‘net price demand’
make the expressions A  C as well as E > A definitely is the given code language?
true? 1) put vat hut 2) nut put sat 3) vat put nut
AB?C <D=E 4) Can’t be determined 5) None of these
1) < 2) = 3) > 10. What does ‘put’ stand for?
4)  5) None of these 1) wholesale 2) price 3) net
2. Which of the following expressions will be true if the 4) Can’t be determined 5) None of these
expression A > B = C < D = E  F = G is definitely true? Directions (Q. 11-16) : Study the given information
1) F > B 2) B = D 3) E  A and answer the following questions.
4) C  D 5) None of these A word and number arrangement machine when given
3. Which of the following symbols should be placed in an input line of words and numbers rearranges them
the blank spaces respectively (in the same order from following a particular rule. The following is an illustration
left to right) to complete the given expression in such of input and its rearrangement:
a manner that the expressions Z  X and Y < W are Input: bag new 15 12 20 ask ball 22 figure 25
definitely true? Step I: 12 15 bag new 20 ask ball 22 figure 25
W_X_V_Y_Z Step II: 12 15 ask bag new 20 ball 22 figure 25
1) =, >, =, > 2) >, =, =,  3) , <, =,  Step III: 12 15 ask bag 20 22 new ball figure 25
4) >, , <, = 5) None of these Step IV: 12 15 ask bag 20 22 ball figure new 25
4. Which of the following expressions will be false if the Step V: 12 15 ask bag 20 22 ball figure 25 new
expression P  Q > R = S  T < U is definitely true? Step V is the last step of the rearrangement. As per
1) P > R 2) U > S 3) S  U the rules followed in the above steps, find out in each

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4) R < U 5) None of these of the following questions the appropriate step for
5. Which of the following letters should be placed in the the following input.
blank spaces respectively (in the same order from left Input: 46 16 professor male 31 correct 33 35 39
to right) to complete the given expression in such a female doctor 42 study
manner that makes the expression L > N definitely 11. Which element is third to the right of ‘female’ in Step
false? V?
__<_>_ 1) 35 2) professor 3) study
1) N, M, L, O 2) M, N, L, O 3) O, M, L, N 4) 42 5) None of these
4) L, M, N, O 5) None of these 12. How many steps will be required to complete the
Directions (Q. 6-10) : Study the following information arrangement of the given input?
and answer the given questions. 1) Five 2) Six 3) Seven

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In a certain code language ‘market retail price’ is written 4) Eight 5) None of these
as ‘cut nut but’, ‘gross domestic price’ is written as ‘nut 13. Which of the following is the third element from the
hut kat’, ‘market wholesale price’ is written as ‘sat nut cut’, left end of Step III?
and ‘net gross demand’ is written as ‘hut put vat’. 1) 35 2) 46 3) correct
6. What is the code for ‘market’ in the given code 4) doctor 5) None of these
language? 14. What is the position of ‘male’ in the final step?
1) cut 2) but 3) sat 1) 7th from the left 2) 2nd from the right
4) nut 5) None of these 3) 8th from the left 4) 5th from the right
7. What is the code for ‘wholesale’ in the given code 5) None of these
language?
15. Which step number is the following output? Directions (Q. 24-28) : Study the given information
16 31 correct doctor 33 35 female male 39 42 46 professor and answer the following questions.

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study ‘A + B’ means ‘A is son of B’
1) Step V 2) Step VI 3) Step VII ‘A ÷ B’ means ‘A is wife of B’
4) There is no such step. 5) None of these ‘A × B’ means ‘A is brother of B’
16. Which of the following steps is the last step but one? ‘A – B’ means ‘B is daughter of A’
1) Step III 2) Step V 3) Step VI 24. How is R related to P in the expression ‘P + Q × R + T’ ?
4) Step IV 5) None of these 1) Paternal uncle 2) Sister 3) Brother
Directions (Q. 17-23): Study the following information 4) Father 5) None of these
carefully and answer the given questions. 25. How is M related to L in the expression ‘L × R + Q ÷
A group of seven friends S, T, U, V, W, X and Y has M’?
four males and three females. Each of them has a different 1) Grandfather 2) Mother 3) Father

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type of watch, viz Titan, HMT, Rado, Fastrack, Reebok, 4) Brother 5) None of these
Casio and Tissot, and each of them has passed out from a 26. Which of the following means ‘P is sister of S’?
different college – GLA, HCC, PTC, RKC, GNC, SPDC and 1) P + Q ÷ R – S 2) P × Q – R ÷ S 3) P ÷ Q + R × S
SRMC but not necessarily in the same order. None of the 4) P + Q ÷ R × S 5) None of these
females has Casio or Titan. U has Rado and she has passed 27. What should be placed in place of question marks to
out from GNC. S has passed out from SPDC. T does not establish that T is father of Q in the given expression?
have Fastrack. W has Tissot and has passed out from Q× P?V?T ×R
HCC. X has Titan and has not studied in GLA. Y has Casio 1) ×, × 2) +, – 3) ×, +
and has studied in PTC. The one who has Fastrack has 4) +, + 5) None of these
passed out from SRMC. The one who has HMT has studied 28. How is S related to Z in the expression ‘S + T ÷ Q + Z’ ?
in GLA. None of the female members has studied either in 1) Father 2) Sister 3) Mother
SPDC or in HCC. 4) Grandson 5) None of these
17. Which of the following watches does V have? Directions (Q. 29-33): In each question below are
1) Casio 2) Fastrack 3) HMT given two or more statements followed by two conclusions
4) Rado 5) None of these numbered I and II. You have to take the given statements to
18. Which of the following combinations is true? be true even if they seem to be at variance with commonly
1) U-Rado-GNC-Female known facts. Read all the conclusions and then decide
2) S-Reebok-HCC-Male which of the given conclusions logically follows from the
3) Y-HMT-GLA-Female given statements, disregarding commonly known facts.
4) W-Tissot-HCC-Female Give answer
5) None of these 1) if only conclusion I follows.
19. Which of the following groups has only female 2) if only conclusion II follows.
members? 3) if either conclusion I or II follows.
1) XVT 2) WUY 3) UVT 4) if neither conclusion I nor II follows.
4) VST 5) None of these 5) if both conclusions I and II follow.
20. The one who has Titan has passed out from which of (29-30):
the following colleges? Statements: All teachers are engineers.
1) HCC 2) GNC 3) SPDC All engineers are cooks.
4) RKC 5) Can’t be determined Some cooks are merchants.
21. From which of the following colleges did W pass out? 29. Conclusions: I. All engineers being merchants is a
1) PTC 2) HCC 3) RKC possibility.
4) Can’t be determined 4) None of these II. Some merchants are cooks.
22. Who possesses HMT? 30. Conclusions: I. No merchant is an engineer.
1) T 2) U 3) V II. No cook is an engineer.
4) W 5) X (31-32):
23. Which of the following statements is true? Statements: Some doctors are lawyers.
1) V has passed out from GLA college. No lawyer is a man.
2) U is a male and possesses Rado. No man is honest.
3) X possesses Titan and has passed out from RKC. 31. Conclusions: I. All doctors can never be men.
4) Y is a female and possesses Casio. II. Some honest are lawyers.
5) All are true 32. Conclusions: I. No lawyer is honest.
II. No doctor is a man.
33. Statements: Some letters are pages.
All pages are books.
Conclusions: I. At least some letters are books.
II. At least some books are pages.
Directions (Q. 34-35): Each of the questions below
consists of a question and two statements numbered I and
II given below it. You have to decide whether the data
provided in the statements are sufficient to answer the
question. Read both the statements and give answer
1) if the data in statement I alone are sufficient to
answer the question, while the data in statement II
alone are not sufficient to answer the question.
2) if the data in statement II alone are sufficient to
answer the question, while the data in statement I
alone are not sufficient to answer the question.
3) if the data either in statement I alone or in statement
II alone are sufficient to answer the question.
4) if the data in both the statements I and II together
are not sufficient to answer the question.
5) if the data in both the statements I and II together
are necessary to answer the question.
34. Are all the five friends P, Q, R, S, and T sitting around
a circular table facing the centre?
I. P sits second to the right of Q. Q faces the centre.
S and T are immediate neighbours of each other. R
sits second to the right of T.
II. S sits second to the right of R. R faces the centre.
Both T and P are immediate neighbours of S. Q sits
second to the right of P.
35. Point W is in which direction with respect to B?
I. Point L is at equal distance from both point W and
point B.
II. Walking 10 km toward east from point W and taking
K
two consecutive right turns he walks 10 km after
each turn and reaches point B.
Direction (Q. 36- 39): Study the following information
carefully and answer the given questions.
A, B, H, K, M, P, R and S are eight team heads and are
sitting around a square table in such a way that four of
them sit at four corners of the square and face the centre
while four sit in the middle of each of the four sides and
face outward. B does not sit at any of the corners but sits
second to the right of S. M sits third to the right of P. P is
not an immediate neighbour of S. R and K are immediate
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neighbours of each other but R does not sit at any of the
corners of the table. H is an immediate neighbour of neither
P nor S.
36. What is the position of P with respect to M?
1) Immediate left 2) Third to the right
3) Second to the left 4) Third to the left
5) None of these
37. Who among the following sits second to the right of
K?
1) M 2) B 3) A 4) S 5) H
38. Who among the following are the immediate
neighbours of H?
1) M, K 2) B, R 3) B, M
4) A, R 5) A, K
39. Who among the following sit(s) exactly between P
and A?
1) Only B 2) K and R 3) Only H
4) H and M 5) No one sits between P and A
Directions (Q. 40-41): Study the following information
carefully and answer the questions given below
P, Q, R, S, T and W are six members of a family. They
are Engineer, Stenographer, Doctor, Draughtsman, Lawyer
and Judge but not necessarily in the same order. P the
Engineer is married to the lady Stenographer. The Judge is
married to the Lawyer. W the Draughtsman is the son of Q
and brother of T. R the Lawyer is the daughter-in-law of S.
T is an unmarried doctor. S is grandmother of W. There are
two married couples in the family.
40. What is the profession of Q?
1) Lawyer 2) Judge 3) Draughtsman
4) Doctor 5) Can’t be determined
41. Which of the following is/are a couple/couples?
1) QR 2) TS
3) PS 4) Both QR and PS
5) Both PR and QS
Directions (Q. 42-45): These questions are based on
the information given below and the sentences labelled
(A), (B), (C), (D) and (E) given after them:
Consolidation among state-run banks is set to get a
big push after the results for the quarter to September are
declared, with the finance ministry nudging large public
sector banks to look at possible combinations in this regard.
The ministry is expected to soon hold a meeting with all
state-run banks to discuss issues related to their operations,
their contribution to the economy and coordination with
other arms of the government.
(A) Any merger proposal will be evaluated on the
parameters of pan-India presence, business and
information technology integration.
(B) State-run banks require `2.4 lakh crore as equity
by 2018 to meet the global Basel III capital norms,
but the government has allocated a relatively
paltry `11,200 crore for bank capitalisation in this
fiscal.
(C) The merged entities will have a pan-India
presence, no conflicting subsidiary and fairly
equal business mix.
(D) Most banks would not be interested in merger at
this juncture when the bad loans in the system
have peaked.
(E) The government intends to keep its holding in
public sector banks at 52 per cent.
42. Which of the following statements depicts the best-
case scenario regarding merger of banks?
 1) Only A 2) Only B 3) Only C 3) The move will severely impact the legal domestic
4) Only E 5) Both A and C cigarette industry in India and the livelihoods of

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43. Which of the following statements sets the tone for over 38 million people who are engaged in tobacco
merger rather than privatisation of banks? whilst giving a fillip to smuggling.
1) Only A 2) Only B 3) Only C 4) 70 per cent of retail sale takes place in the form of
4) Only D 5) Only E loose cigarettes.
44. Which of the following statements weakens the case 5) None of these
of merger for banks? 49. The state of Kashmir has been ravaged by floods.
1) Only A 2) Only B 3) Only D Which of the following is/are not a valid course(s) of
4) Only E 5) Only B and D action that should be taken?
45. Which of the following statements may lead to 1) The government should notify Kashmir flood relief
consider privatisation of banks as an option? as eligible for Corporate Social Responsibility

KUNDAN
1) Only B 2) Only D 3) Only E
4) Only B and D 5) Only B and E
46. The 25 per cent reservation for children from
economically weaker sections (EWS) at the elementary
level in private schools under the Right to Education
(RTE) Act is a blessing for the poor.
Which of the following statements takes away from
the advantage of this blessing?
1) RTE mandates schools to provide books and
uniform free of cost to children admitted under the
EWS quota.
2) The government reimburses schools only the
tuition fees of the poor.
3) Four years down the line, the Right to Free and
Compulsory Education Act has made education
neither ‘free’ nor ‘compulsory’ in most parts of the
country.
4) The enrolment in government schools has come
down.
5) None of these
47. “Now my daughter goes to school every day to study
and speaks such good English, as they do on TV.” —
A vegetable vendor
Which of the following statements is an assumption
in the above statement?
1) Children should not be sent to school every day.
2) Children of vegetable vendors should not be sent
to school every day.
3) The English that we get to listen on TV is very
good.
4) The English that we get to listen on TV in India is
as good as that on BBC.
5) None of these
48. The government is considering a proposal to ban the
sale of loose cigarettes, a move that will hit ITC and
other cigarette makers hard.
Which of the following is a probable reason of the
move hurting the cigarette makers?
1) Loose cigarettes do not let us see the warning image
on cigarette packets.
2) Discouraging tobacco consumption appears to be
high on the government’s agenda.
funds.
2) People in Kashmir should plan and design the
habitat that will have to be rebuilt, to minimise flood
damage in future.
3) Expertise from around the world should be drawn
in to plan for the country.
4) Food packets should be dropped to aid the flood-
affected victims.
5) All the above are valid courses of action
50. In a row ‘A’ is at the 11th position from the left and B
is at the 10th position from the right. If A and B
interchange their positions then A becomes 18th from
the left. How many persons are there in the row other
than A and B?
1) 24 2) 25 3) 26
4) 23 5) 27
Test-II: Data Analysis &
Interpretation
Directions (Q. 51-55): In each of the following
questions, a question is followed by information given in
three statements I, II and III. You have to consider the
information in all the three statements and decide the
information in which of the statements is not necessarily
required to answer the question and therefore can be
dispensed with. Indicate your answer accordingly.
51. What is the present population of City A?
I. The ratio of the population of City A to that of
City B is 3 : 4.
II. The growth rate of population of City B is 10%
per year.
III. After one year the ratio of the population of City
A to that of City B will be 9 : 11.
1) None of the statements can be dispensed with
2) Only I
3) Only II
4) Only III
5) The question can’t be answered even with the help
of the information provided in all the three
statements.
52. What is the speed of train A? Directions (Q. 56-60): The following table shows the
I. The train crosses a pole in 12 seconds. total male population and total female population of six
II. Train A crosses train B running in opposite different cities and the ratio of adults to minors among
direction in 10 seconds. them. Study the given table carefully and answer the
III. The length of train A is 60 metres. questions given below:
1) None of the statements can be dispensed with Adult : Total Adult :
2) Only I City Total males
Minor females Minor
3) Only II A 105623 5:2 100249 11 : 6
4) Only III
B 131857 7:4 115110 11 : 4
5) The question can’t be answered even with the help
of the information provided in all the three C 116536 5 :3 115470 7:3
statements. D 137202 8 :5 123443 12 : 7
53. What is the area of a rectangular park? E 162911 11 : 6 161896 9:5
I. The perimeter of the park is 140 metres. F 180396 13 : 5 183296 9:7
II. The diagonal of the park is 50 metres. 56. What is the difference between the total number of
III. The ratio of the length to breadth of the park is 4 : 3 adult males of City B and that of City C?
1) None of the statements can be dispensed with 1) 10352 2) 11074 3) 12518
2) Any one of the three 4) 13208 5) None of these
3) Only III 4) Only I 5) None of these 57. What is the total number of adults in City A?
54. What is a two-digit number? 1) 140312 2) 142416 3) 143518
I. The sum of the digits is 13. 4) 144604 5) 145354
II. The difference between the number and the 58. The total number of minor males in City F is
number obtained by interchanging the digits is approximately what per cent of the total number of
27. adult females in that city?
III. The difference of the digits of the number is 3. 1) 42.5% 2) 44.8% 3) 46.4%
1) Only III 2) Only I 4) 48.6% 5) 51%
3) Only II 4) Any one of the three 59. What is the difference between the total number of
5) Question cannot be answered even with the help adult males in City D and that of adult females in City
of the information provided in all the three E?
statements 1)13124 2) 15384 3) 16514 4) 17304 5) 19644
55. The ratio of the ages of two persons A and B is 3 : 2. 60. The total number of minor females in City A is
What will be the ratio of their ages after 10 years? approximately what per cent more or less than the total
I. The difference of their ages is 20 years. number of minor females in City B?

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II. The sum of their ages is 100 years. 1) 11% 2) 13% 3) 15%
III. The difference of their ages 16 years ago was 20 4) 17.5% 5) 19.8%
years.
1) Only III
2) Only I
3) Only II
4) None of the statements can be dispensed with
5) Any two of the three

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 Directions (Q. 61-65): The following bar chart shows 1) 39645 2) 41315 3) 42408
the production of motorcycles by two companies A and B 4) 43255 5) 44606

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from 2010 to 2014 and the line graph shows the percentage 65. What is the approximate percentage rise/fall in the
sale of these companies in the respective years. sale of Company A from 2011 to 2012?
Study the graph carefully and answer the following 1) 63.5% 2) 65% 3) 67.8%
questions. 4) 69.4% 5) None of these
Company A Company B Directions (Q. 66-70): The following line graph shows
the ratio of import to export of two companies A and B
% sale of A % sale of B
during the period 2009 to 2014.
100 80%
70 75 Study the graph carefully and answer given questions.
90 70 63 70%
Production (in thousand)

60 Company A Company B
80 60
65 55 52 60% 1.4
70 58 1.3

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1.2

Percentage sale
84

60 50% 1.2
1.1
72

92

50 40% 1
78

80

68

Import/Export
40 0.9 1.0 0.9
60
56

81

30% 0.8 0.8

70

30 0.7 0.8 0.7

20% 0.6
20 0.5 0.6
10 10% 0.4
0 0% 0.2
2010 2011 2012 2013 2014 0
Year 2009 2010 2011 2012 2013 2014
Year
61. What is the total number of motorcycles sold by
Company A and Company B together in 2010? 66. In which of the following years was the value of exports
1) 91200 2) 92700 3) 93800 less than the value of imports in the case of Company
4) 94500 5) 95600 B?
62. What is the ratio of the total number of motorcycles 1) 2009 2) 2011 3) 2012 4) 2013 5) 2014
sold by Company B in 2011 to that sold by Company 67. If the exports of Company A in 2009 were `16.5 lakh
A in 2013? then what would be the value of imports of Company
1) 27 : 23 2) 31 : 29 3) 37 : 33 B in 2011?
4) 39 : 34 5) None of these 1) `11.55 lakh 2) `13.5 lakh 3) `23.57 lakh
63. The total no. of motorcycles sold by Company A in 4) Can’t be determined 5) None of these
2014 is approximately what per cent of that produced 68. If the exports of Company B in 2014 were `18 lakh
by Company B in that year? then what were its imports in that year?
1) 36% 2) 45% 3) 54% 1) `13.84 lakh 2) `17.2 lakh 3) `23.4 lakh
4) 62% 5) None of these 4) `29.2 lakh 5) None of these
64. What is the average number of motorcycles sold by 69. If the exports of Company A in 2013 and the exports of
Company B in the given five years? Company B in 2009 were equal and were `17 lakh each
 then what was the sum of imports of Company A in 1) 60% 2) 75% 3) 80%
2013 and that of Company B in the year 2009? 4) 120% 5) 125%
1) `27.2 lakh 2) `34.8 lakh 3) `36 lakh 75. What is the difference between the total number of
4) `37.4 lakh 5) None of these diesel cars sold by all companies together and total
70. If the imports of Company A in 2014 and the imports of number of petrol cars sold by all companies together?
Company B in 2011 were `14.8 lakh and `11.2 lakh 1) 9600 2) 11400 3) 12700
respectively then the exports of Company A in 2014 4) 13200 5) 14800
were what percentage more than the exports of Directions (Q. 76-80): The following pie-charts show
Company B in 2011? the percentage distribution of total selected candidates in
1) 11.125% 2) 12.325% 3) 13.5% an entrance examination from six different cities during
4) 14.875% 5) 15.625% the year 2013 and 2014 and the table shows the ratio of
Directions (Q. 71-75): The given pie-chart shows the male to female candidates among the selected candidates.
percentage distribution of total cars sold by six different
companies and the table shows the ratio of diesel to petrol A
cars among the sold cars. Answer the given questions F
13%
based on the pie-chart and the table. 21%
(Total no. of cars sold by all six companies E B
together is 1.7 lakh.) 8% 27%
D C
F
20% 11%
10%
E A
16% 29%
Year 2013
Total selection = 19000
D
B
13% C 18% F
14% A
E 13%
24%
8%
Total sale = 1.7 lakh

Company Diesel : Petrol D B

17% 15%
A 9 :8 C
B 11 : 7 23%
C 3:4

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D 8 :5 Year 2014
E 7:9 Total selection = 23000
F 3:2 2013 2014
City
71. What is the total number of petrol cars sold by Male : Female Male : Female
Company A, B and C together? A 8:5 5 :7
1) 43200 2) 45400 3) 48700
4) 49300 5) 51500 B 11 : 8 12 : 11
72. What is the difference between the total no. of diesel C 7 :4 15 : 8
cars and the total no. of petrol cars sold by Company D 2 :3 8:9

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D? E 5 :3 1 :3
1) 4900 2) 5100 3) 5300 F 13 : 8 5:8
4) 5500 5) 5700 76. What is the difference between the number of total
73. What is the ratio of the total no. of petrol cars sold by male candidates selected from City B in 2013 and total
Company E to that of diesel cars sold by Company F? male candidates selected from City A in 2014?
1) 2 : 1 2) 3 : 2 3) 4 : 3 1) 670 2) 720 3) 840 4) 910 5) None of these
4) 5 : 4 5) None of these 77. What is the ratio of total females selected from City D
74. The total number of diesel cars sold by Company D is in 2013 to total females selected from City E in 2014?
approximately what per cent of the total no. of cars 1) 23 : 13 2) 31 : 27 3) 35 : 23
sold by Company F? 4) 38 : 23 5) 43 : 31
78. The total number of females selected from City F in Directions (Q. 86-90): The following pie-chart shows
2013 is approximately what per cent of the total number the percentage distribution of the total population of seven

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of candidates selected from City E in that year? cities and the bar-chart shows the percentage of urban
1) 60% 2) 75% 3) 80% 4) 100% 5) 120% and rural population among them.
79. The total number of females selected from City B in Answer the following questions based on these graphs.
2014 is approximately what per cent more than the
total number of males selected from City E in 2013?
G A
1) 71.42% 2) 73.68% 3) 75.13% 4) 77.56% 5) 79.84%
46.8º 64.8º
80. What is the average number of females selected from F
all cities together in 2014? 39.6º
B
1) 1600 2) 1800 3) 2000 4) 2200 5) 2400
E 57.6º
Directions (Q. 81-85): The following line graph shows
50.4º

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the percentage rise in the population of six different cities C
D
during the period 2012 to 2013 and 2013 to 2014. Answer 25.2º
75.6º
the given questions based on these information.

2012 to 2013 2013 to 2014 Total population of seven cities

45 = 73 lakh
40
40
Percentage rise in population

35 % urban population % rural population

35
30 30 80
26 70
25 24 25 24 20 70 64 65
60
20 60 56 55
20 52
% population

15 15 15 48
50 44 45
12 40
10 36 35
40
5 30
30
0
20
A B C D E F
10
81. If the population of City A was 10 lakh in 2012 then 0
what will be its population in 2014?
A B C D E F G
1) 13.26 lakh 2) 13.72 lakh 3) 14.24 lakh
4) 14.88 lakh 5) 15.64 lakh
82. If the population of City C is 19.9962 lakh in 2014 then 86. What is the total rural population of City B?
what was its population in 2012? 1) 400840 2) 410370 3) 420480
1) 13.8 lakh 2) 14.2 lakh 3) 14.6 lakh 4) 430560 5) None of these
4) 15.4 lakh 5) 15.2 lakh 87. What is the difference between the total urban
83. If the population of City B and City F in 2012 were 14 population and the total rural population of City G?
lakh and 14.5 lakh respectively then what will be the 1) 2.124 lakh 2) 2.368 lakh 3) 2.648 lakh
total population of City B and City F together in 2013? 4) 2.847 lakh 5) 2.962 lakh
1) 33.2 lakh 2) 36.4 lakh 3) 37.5 lakh 88. The total rural population of City C is approximately
4) 38.6 lakh 5) None of these what per cent of its total urban population?
84. If in the year 2012 the population of City D and City E 1) 72.8% 2) 78.6% 3) 82.3%
were equal then the population of City D in 2014 is 4) 86.4% 5) 127.3%
approximately what per cent of the total population of 89. The total urban population of City E is approximately
City E in 2013? what per cent of the total population of City B?
1) 112.8% 2) 127.4% 3) 134.3% 1) 42.375% 2) 44.625% 3) 46.275%
4) 137.2% 5) 142% 4) 48.125% 5) 52.525%
85. The population of City A in 2012 was what per cent of 90. The total urban population of City F is approximately
its population in 2014? what per cent more than the total population of City A?
1) 67.2% 2) 78.4% 3) 87.5% 4) 112.6% 5) 148.8% 1) 17.4% 2) 19.6% 3) 22.2%
4) 24.7% 5) 27.5%
 Directions (Q. 91-95): The following graph shows B in 2014 is approximately what per cent more than the
the total number of readers (in thousand) of two magazines total number of readers of the same magazine from
X and Y in six different cities in year 2013 and the table City F in 2013?
shows the percentage rise in the number of readers of 1) 39.6% 2) 40.4% 3) 42.2%
these two magazines from year 2013 to 2014. 4) 44.5% 5) 47.8%
Directions (Q. 96-100): Study the information
M agazine X M agazine Y
carefully and answer the given questions.
In a company total 2700 employees work in five
90
Total readers in 2013 (in thousand)

81 80 different departments, namely D1, D2, D3, D4, and D5. The
80 72 75
70 ratio of males to females in the company is 5 : 4. 26% of the
70 65 female employees work in department D1 and 14% of the
61 60
60 56 55 male employees work in department D2. The difference
48 50
50 between the male and female employees in department D1
is 138 and the ratio of male to female employee in department
40
D2 is 7 : 6. The total number of employees working in
30 department D3 is 210, in which the number of female
20 employees is 75% of the total number of males. The number
10 of females working in department D4 is equal to the total
0 number of males working in department D2 and the number
of males working in department D4 is three more than the
A B C D E F
number of females working in department D1. The remaining
male and female employees work in department D5.
% rise in the no. of % rise in the no. of 96. What is the total number of females working in
City readers of Magazine readers of Magazine department D5?
X (2013 to 2014) Y (2013 to 2014) 1) 397 2) 408 3) 415 4) 418 5) None of these
A 12% 18% 97. The total number of males working in department D4 is
B 17% 15% what per cent of the total number of males working in
C 14% 12.4%
the company?
1) 15% 2) 18% 3) 21% 4) 24% 5) 27%
D 13.5% 13.2% 98. The total number of females working in department D2
E 17.5% 11.5% is what per cent of the total number of males working
F 16% 11% in department D1?
1) 25% 2) 30% 3) 36% 4) 40% 5) 45%
91. What is the total number of readers of Magazine X

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99. The number of females working in department D3 is
from City A and City B together in 2014?
what per cent of the number of males working in the
1) 142340 2) 146960 3) 148520
same department?
4) 152150 5) None of these
1) 120% 2) 133% 3) 80% 4) 75% 5) 60%
92. What is the difference between the total no. of readers
100. What is the ratio of the number of males working in
of Magazine X from City D in 2014 and the total number
department D5 to the number of males working in
of readers of Magazine Y from the same city in the
department D1?
same year?
1) 4 : 5 2) 8 : 9 3) 9 : 10
1) 7035 2) 7085 3) 7115
4) 14 : 15 5) None of these
4) 7165 5) 7205
93. The total number of readers of Magazine X from City
Test-III: General Awareness,

KUNDAN
F in 2014 is approximately what per cent of the total
number of readers of Magazine Y from the same city in Marketing & Computer
the same year?
1) 87.5% 2) 92.6% 3) 108% 101. Insurance sale and services through a common service
4) 112.8% 5) 125.4% centre (CSC) were launched by TS Vijayan, chairman
94. What is the average number of readers of Magazine Y of the IRDA recently. The CSCs were setup under
from all the cities together in 2014? which of the following govt schemes?
1) 71075 2) 72050 3) 73025 1) MGNREGA 2) Digital India
4) 74550 5) 75125 3) National e-Governance 4) Bharat Nirman
95. The total number of readers of Magazine X from City 5) None of these
102. Goolam E Vahanvati passed away recently. He had 4) The aggregate of all credits in a financial year does
served as not exceed `1 lakh.

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1) Attorney General of India 5) None of these
2) Solicitor General of India 108. As per the RBI norms, a non-bank entity willing to
3) Advocate General of Maharashtra establish White Label ATMs should have a minimum
4) All the above net worth of what amount as per the latest financial
5) None of these year’s audited balance sheet, which is to be maintained
103. The PAT mechanism is a new initiative introduced at all times?
under the National Mission on Enhanced Energy 1) `50 cr 2) `100 cr 3) `150 cr
Efficiency which would assign energy efficiency 4) `200 cr 5) None of these
improvement targets to the country’s most energy- 109. Name the Indian scientist who won the 2014 Midori
intensive industrial units. PAT stands for Prize in Biodiversity for his research, including

KUNDAN
1) Prioritise, Achieve and Trade research in climate change in the Himalayas.
2) Perform, Achieve and Trade 1) Nalini Nadkarni 2) K Ullas Karanth
3) Protect, Achieve and Trade 3) KN Ganeshaiah 4) Sandesh Kadur
4) Prevent, Achieve and Trade 5) Kamaljit S Bawa
5) None of these 110. Name the Indian movie which bagged two awards at
104. The UNESCO Asia-Pacific Heritage Awards 2014 has the 71st Venice Film festival recently. It won the Lion
been given to which of the following restoration of the Future Award for the best debut feature film as
projects in India? The award recognises efforts of well as the best film in the Orizzonti or Horizons
private individuals and organisations in restoring and category award.
conserving heritage structures and buildings. 1) Court 2) Lunchbox
3) Finding Fanny 4) Mardaani
1) Shri Sakhargad Nivasini Devi Temple Complex,
5) None of these
Satara
111. A credit card holder faces which of the following
2) Esplanade House, Mumbai
constraints as per the currently prevailing norms?
3) Humayun’s Tomb, Delhi
1) Can’t withdraw cash from ATMs.
4) All the above
2) Can’t make payment at point of sale (POS).
5) Only 1) and 2)
3) Can’t buy stuff online.
105. Which of the following states has become the first 4) Can’t avail EMI facility on big purchases.
state in the country to launch a Health Adalat? The 5) None of these
problems encountered by the people in obtaining 112. The book titled Not Just an Accountant has been
health services in govt hospitals are discussed in those authored by who among the following?
Adalats. 1) Gopal Subramaniam 2) Ranjit Sinha
1) Kerala 2) Madhya Pradesh 3) Vinod Rai 4) Shashi Kant Sharma
3) Karnataka 4) Andhra Pradesh 5) None of these
5) None of these 113. The Law Ministry, countering the views of the RBI,
106. While on India’s visit, recently, the Australian PM has opined that the Govt of India has all the powers to
Tony Abbott launched a plan which will ensure print currency notes of which of the following
thousands of students from his country study in Indian denominations?
universities. Name the plan. 1) `1 2) `2 3) `5
1) New Colombo Plan 2) New Delhi Plan 4) `10 5) None of these
3) New Sydney Plan 4) New Asia Plan 114. The Centre has announced to set up a Central Tribal
5) None of these University in which of the following states? This Tribal
107. Certain savings account in a banking company are University will help in study and research of culture
treated as ‘small account’ as per the RBI norms. Which and traditions of tribes.
of the following is NOT a condition to declare an 1) Andhra Pradesh 2) Telangana
account a small account? 3) Chhattisgarh 4) Jharkhand
1) Remittances from abroad are credited without 5) None of these
completing normal KYC formalities. 115. The National Ganga River Basin Authority (NGRBA)
2) The aggregate of all withdrawals and transfers in a has been shifted from Environment Ministry to Water
month does not exceed `10,000. Resources Ministry. The govt of India gave River
3) The balance at any point of time does not exceed Ganga the status of a national river and constituted
`50,000. NGRBA in
 1) Jan 2007 2) Mar 2008 3) Feb 2009 1) SAARC 2) SCO 3) EU
4) Dec 2010 5) None of these 4) ASEAN 5) None of these
116. The govt has set-up a committee to examine the un- 123. Jitu Rai is associated with which of the following
claimed amount in PPF, Post Office and Savings games? He qualified for 2016 Rio Olympics after
Schemes. The seven-member committee, which will winning silver medal at the World Championships
submit its reports by 31st Dec, is being headed by recently.
1) HR Khan 2) Urjit Patel 1) Shooting 2) Archery 3) Discus throw
3) Subir Gokarn 4) Anand Sinha 4) Triple jump 5) None of these
5) None of these 124. The Uttarakhand govt has declared which of the
117. Which of the following is NOT an action faced by a following dates as Himalaya Diwas, a day which would
person or a firm if one is labelled a wilful defaulter? be celebrated across the state to spread the message
1) No additional lending facility is available from any of conservation of the Himalayan ecosystems?
bank or institution. 1) 1 Sep 2) 5 Sep 3) 9 Sep
2) A wilful defaulter is not permitted to float any new 4) 11 Sep 5) 12 Sep
business for a period of five years from the date of 125. The Reserve Bank of India (RBI) does not have the
being declared a wilful defaulter. authority to issue bank notes of which of the following
3) Lenders are expected to initiate legal process denominational values?
against the borrowers/guarantors. 1) `10,000 2) `5,000 3) `1,000
4) Banks and institutions have been given the right 4) `500 5) None of these
to change the management of wilfully defaulting 126. Which of the following converts all the statements in
company. a program in a single batch and the resulting collection
5) None of these of instructions is placed in a new file?
118. The much-awaited merger of telecom PSUs, BSNL and 1) interpreter 2) converter 3) compiler
MTNL, is likely to take place by Jul 2015. At present, 4) browser 5) None of these
BSNL offers services in the whole country while MTNL 127. Which of the following contains information about a
provides telecom services in single entity in the database like a person, place, event
1) Delhi and Mumbai 2) Delhi and Kolkata or thing?
3) Delhi and Chennai 4) Delhi and Bangalore 1) Form 2) Record 3) Table
5) None of these 4) Query 5) None of these
119. During the recent visit of Australian PM Tony Abbott, 128. Which is the most popular medium for direct access
four pacts were signed between the two countries. to secondary storage of a computer system?
Which of the following is NOT among them? 1) Magnetic tape 2) Magnetic disk
1) Civil nuclear deal 3) RAM 4) PROM

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2) Cooperation in Technical Vocational Education and 5) None of these
Training (TVET) pact 129. Which of the following addressing modes facilitates
3) Water Resources Management agreement access to an operand whose location is defined relative
4) Agreement to develop Mumbai on the lines of to the beginning of the data structure in which it
Sydney with Australian assistance appears?
5) None of these 1) Ascending 2) Sorting 3) Index
120. Who among the following won the women’s singles 4) Indirect 5) None of these
title of the US Open tennis tournament recently? 130. Whenever a new device is attached to a computer,
1) Peng Shuai 2) Ekaterina Makarova such as a printer or a scanner, which of the following
3) Caroline Wozniacki 4) Serena Williams must be installed before the device can be used?
5) None of these 1) Device driver

KUNDAN
121. Who among the following is the new United Nations 2) Device image
High Commissioner for Human Rights? 3) Buffer
1) Hashem bin Al Abdullah 4) Operating system must be reinstalled
2) John William Ashe 5) None of these
3) Navi Pillay 131. Which of the following combinations is used to select
4) Zeid Ra’ad Zeid al-Hussein an entire row in the Excel sheet?
5) None of these 1) Ctrl + space 2) Shift + space 3) Ctrl + tab
122. India signed Free Trade Agreement (FTA) in services 4) Shift + tab 5) Alt + space
and investment with which of the following groupings 132. A separate document from another program sent along
recently? with an e-mail is called
 1) e-mail body 2) e-mail recipient 139. When same data is stored in many places, it is termed
3) e-mail attachment 4) mail merge as data

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5) None of these 1) enumeration 2) iteration
133. Which of the following is correct regarding booting 3) concurrency 4) redundancy
process of the computer system? 5) None of these
1) All the peripheral devices are reconnected with the 140. A software applies which of the following, also called
system. algorithm, to process data?
2) The hard disk is defragmented. 1) Rules 2) Arithmetic 3) Procedures
3) Portions of operating system are copied from disk 4) Objects 5) None of these
into memory. 141. Customer Relationship Management (CRM) is
4) All the unsaved documents get saved managing company’s interaction with
automatically. 1) current and future customers

KUNDAN
5) None of these 2) sales team
134. It is most likely that a user will need a word processor 3) services team
if he/she 4) Direct Selling Associations (DSAs)
1) is writing his/her autobiography 5) None of these
2) maintains an inventory 142. The one which is NOT involved in the growth strategy
3) prepares a live presentation of a company is
4) searches the web for favourite songs 1) vertical integration 2) horizontal integration
5) None of these 3) diversification 4) intensification
135. When a user saves and deletes multiple files, many 5) None of these
scattered areas of stored data are created which are 143. What does lead generation mean?
too small to be used efficiently. This phenomenon is 1) Likely source for prospective clients
called 2) Tips for selling tactics
1) bugging 2) disorder 3) Tips for better production
3) disarray 4) fragmentation 4) Motivating the sales force
5) None of these 5) None of these
136. What is ‘intranet’? 144. An efficient marketing style does not require which of
1) Internal network designed to serve the internal the following?
information needs of a single organisation 1) Teamwork
2) Internal Internet used to transfer information 2) Knowledge of products
internally 3) Proper planning
3) Internal Internet used to transfer information to an 4) Good communication skills
outside company 5) None of the above
4) Internal network designed to transfer information 145. Which of the following is NOT a part of the modern
between two organisations. style of marketing?
5) None of these 1) Digital marketing 2) Tele-marketing
137. Which of the following is a set of inter-related 3) e-commerce 4) e-mail solicitation
components that collect, process, store and distribute 5) None of these
information to support decision making in an 146. What do you mean by customisation?
organisation? 1) Special products to suit each customer
1) Hardware 2) Acquiring more customers
2) Information system 3) New innovative products
3) Network 4) More products per customer
4) Communication technology 5) None of these
5) None of these 147. In terms of banking industry, what does ROA stand
138. What happens when you save a presentation? for?
1) A file is created for each slide. 1) Rate of Allocation 2) Ratio of Assets
2) A file is created for each animation or graphic. 3) Return on Assets 4) Return on Advances
3) All slides in a presentation are saved in the same 5) None of these
file. 148. Marketing can be best defined as
4) Two files are created – one for graphics and another 1) only selling
for content. 2) to focus only on products or services
5) None of these 3) meeting human needs profitably
 4) to focus on customers
5) Only 3) and 4)
149. Identify the only correct statement among the
following.
1) Marketing is a waste of employees’ time.
2) Marketing is not required in India due to its vast
population.
3) Only Marketing involves extra work.
4) Marketing includes promotion, selling, research
and advertising.
5) None of these
150. What does market information mean?
1) Knowledge of customer profile and product mix
2) Knowledge of shopping malls and super markets
3) Knowledge of small shops and street markets
4) Knowledge of various languages
5) None of these
Test-IV: English Language
Directions (Q. 151-160): Read the passage carefully
and answer the questions given below it. Certain words/
phrases are given in bold to help you locate them while
answering some of the questions.
The RBI orders a moratorium when a bank’s financial
stability is threatened. Depositors face some restrictions
on withdrawing money from their accounts during this
period. Currently the restriction is confined to premature
withdrawal of FDs in case of Kapol Bank. Customers can
still withdraw money from their savings and current
accounts. However, the Banking Regulation Act has
provisions for relief to customers facing a financial
emergency. “Banks’ administrative board can approach the
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RBI with a plea for relaxing the withdrawal limits in case of
account holders such as those who have saved or
deposited money for their medical treatment or educational
purpose and pensioners,” says VN Kulkarni, chief credit
counsellor with the Bank of India-backed Abhay Credit
Counselling Centre.
Since one cannot do much after the bank gets into
trouble or the RBI comes into the picture, it would be wise
to take some precautions. “Depositors need to be selective
not only in choosing the bank, but also in depositing the
amount using different combinations,” says Kulkarni. For
KUNDAN
instance, you can maintain the first deposit in your name,
held jointly with your spouse or children. Similarly, the
second joint FD could be created with your wife as the first
holder. This will help you benefit from the deposit insurance
cover extended to retail depositors.
Currently, deposits are insured up to `1 lakh per bank,
and not per branch of the same bank. You can also look at
maintaining FDs in more than one bank to spread out the
risk.
However, this may not be feasible for some individuals.
For instance, a retiree who wishes to invest her huge
retirement corpus in FDs. “It is not feasible to split a huge
amount of, say, `50 lakh into 50 deposits with different
banks. Senior citizens have to strike a balance between
convenience, risks and higher returns that some of the
smaller banks offer,” says Suresh Sadagopan, certified
financial planner and founder, Ladder7 Financial Advisories.
He recommends diversification by investing in fixed-
income options like company FDs, non-convertible
debentures (NCDs) as also more secure alternatives such
as tax-free bonds and senior citizens savings scheme, which
offers an interest rate of 9.2 % . You must also evaluate the
bank’s credentials carefully before parking your money in
it. “While selecting the bank, you need to ascertain its
gross NPAs. It should be not higher than 5%. Similarly,
ensure that your bank has adequate capital as prescribed
by the regulators,” says Kulkarni. “That is, minimum 9% of
risk-weighted assets, and at least 12%, in case of co-
operative banks.” You will find this information in the
balance sheets of banks.
151. What is the effect of a moratorium on a bank?
(A) Only senior citizens are allowed partial withdrawal
of maturity amount for their medical treatment.
(B) Maturity amount is paid in instalments rather than
in one lump sum.
(C) Certain restrictions are imposed on withdrawal of
money from bank account.
1) Only (A)
2) Only (B)
3) Only (C)
4) Only (A) and (B)
5) All (A), (B) and (C)
152. Which of the following statements is based on the
provisions related to bank deposits?
(A) Every branch of a bank allows insurance covers
on deposits upto `1 lakh.
(B) FD can be maintained in more than one bank to
spread out the risk with the exception of retirees
wishing to invest a very huge amount in FDs.
(C) Senior citizens are allowed extra risk cover and
high returns on their fixed deposits.
1) Only (A) 2) Only (B)
3) Only (C) 4) Only (A) and (B)
5) Only (B) and (C)
153. Which of the following is not definitely true with
respect to Kapol Bank?
1) It is a private sector bank.
2) At present, premature withdrawal of FD cannot be
allowed.
3) Customers of this bank have been allowed
withdrawal of money from their CASA.
4) There are no restrictions on withdrawal except of
premature fixed deposits.
5) None of these
154. What care should be taken before depositing money 161. Our auditor had a time of a hell getting through all the
with a bank? Answer in the context of the given necessary paperwork to get the data compiled on time.

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passage. 1) a hell-time 2) a time to hell
(A) The NPA of the concerned bank is not higher 3) a time for a hell 4) a hell of a time
than five per cent. 5) No correction required
(B) The bank has adequate capital as per the 162. Anyone in his right mind would agree that we need to
provisions for the bank. develop solar-power energy resources as an
(C) There is a minimum 9% of risk-weighted assets (if alternative to consuming coal and oil.
the bank is other than a cooperative bank). 1) Anyone of his sound mind
1) Only (A) and (B) 2) Only (B) and (C) 2) Anyone in his right brain
3) Only (A) and (C) 4) Only (C) 3) Anyone of his correct mind
5) All (A), (B) and (C) 4) Anyone in his brain

KUNDAN
155. Find the statement which is not based on the facts 5) No correction required
mentioned in the passage. 163. Just as in boxing it is against the rules and unfair to hit
1) Under certain circumstances, account holders someone under the belt, so in society it is considered
facing financial emergency can be allowed to be unfair to mention things about someone that
withdrawal of money beyond withdrawal limit as shows his character in a bad light.
per the provisions laid down in the Banking 1) at the belt 2) inside the belt
Regulation Act. 3) below the belt 4) on the belt
2) When the bank gets into trouble it is better for a 5) No correction required
depositor to be selective in both choosing the bank 164. The Young Master is a chips off the old block and will
and depositing the amount using different remain a conservative as his father.
combinations. 1) chip of the old block 2) chip off the old block
3) When the financial stability of a bank is at stake 3) old block chip 4) chip in the old block
the central bank orders a moratorium. 5) No correction required
4) The central bank has ordered a moratorium on Kapol 165. Because he has a natural talent for words and language
Bank. and writing, he is cut out to the job of being on editor.
5) None of these 1) cut out for the job
Directions (Q. 156-158): Choose the word which is 2) cut out on the job
most similar in meaning to the word printed in bold as 3) out to cut the job
used in the passage. 4) out for cutting out job
156. Parking 5) No correction required
1) removing 2) depositing 3) stopping Directions (Q. 166-170): Each question below has
4) walking 5) strolling two blanks, each blank indicating that something has been
157. Picture omitted. Find out which option can be used to fill up the
1) scene 2) mainstream 3) portrait blank in the sentence in the same sequence to make it
4) role 5) forefront meaningfully complete.
158. Diversification 166. Software companies _________ improved their ability
1) variegation 2) homogenous 3) allocation last year to earn more revenue while employing fewer
4) division 5) accumulation people, reflecting the major transformation ________
Directions (Q. 159-160): Choose the word/group of in a sector that has created a new middle class in India.
words which is most opposite in meaning of the word/ 1) fiercely, afoot 2) carelessly, ongoing
group of words printed in bold as used in the passage. 3) gravely, advancing 4) greatly, undertaken
159. Threatened 5) dramatically, underway
1) warned 2) jeopardised 3) ensured 167. Banks are financial intermediaries where the ________
4) exposed 5) vulnerable of the public are ________ and lent to various sectors
160. Strike of the economy.
1) maintain 2) hit 3) knock 1) assets, organised 2) resources, mobilised
4) lose 5) smack 3) capital, gathered 4) basics, activated
Directions (Q. 161-165): Which of the phrases 1), 5) funds, mustered
2), 3) and 4) given below each sentence should replace the 168. The customer demands have ________ a fierce
phrase printed in bold in the sentence to make it competition amongst the banks and financial
grammatically correct? If the sentence is correct as it is companies for the application of computer and
given and no correction is required, mark 5) as the answer. telecommunication technology in their operations to
 help them offer ________ products and services at
reduced costs.
1) generated, original 2) produced, new
3) sparked, inventive 4) triggered, innovative
5) caused, contemporary
169. In a bank’s portfolio losses ________ from outright
default due to inability or unwillingness of a customer
or counterparty to meet ________ in relation to
lending, trading, settlement and other financial
transactions.
1) arise, responsibility 2) derive, guarantee
3) stem, commitments 4) come, promise
5) emerge, pledge
170. ________ to enhance bilateral cooperation, Japan
promised $35-billion assistance to India for the next
five years towards funding next-generation
infrastructure projects, smart cities, ________ of the
Ganga and introduction of bullet trains.
1) pledging, rejuvenation
2) contracting, revitalisation
3) promising, revival
4) swearing, renewal
5) undertaking, resurgence
Directions (Q. 171-185): Read the passage carefully
and answer the questions given below it. Certain words/
phrases are given in bold to help you locate them while
answering some of the questions.
India’s banking sector may be getting ready for a wave
of consolidation as the country tries to build institutions
of world-class proportions. Four big state-run banks —
State Bank of India, Punjab National Bank, Bank of Baroda
and Bank of India—have already begun an exercise to
identify takeover targets to gain access to franchises that
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would augment their capabilities, said three top bankers
familiar with the move. The top managements of the four
banks are in the process of preparing a blueprint that would
explain the rationale for absorbing one or two entities, said
the people cited above, none of whom wanted to be named.
Employees at these state-run banks are engaged in the
exercise after finance minister Arun Jaitley gave the lenders
the go-ahead to decide how they would strategise to remain
relevant in the emerging economic scenario.
“We are hearing from the corridors of finance ministry
that there is seriousness on consolidation of banks,” said
KUNDAN
an executive from one of the top four banks. “The sense
we are getting is that first there could be merger of at least
one SBI associate bank with SBI to kick off the
consolidation process.” Although no names of likely
acquisition targets are being discussed at these four banks,
the key conditions for a smaller bank will be regional,
technological and cultural advantages. For instance, a bank
such as Bank of Baroda, which does not have a presence
in the East, may prefer one from that part of the country.
State-run banks have weakened over the years as
governments have treated them as an organ of the
administration and used them to push their social agenda.
Meanwhile, lenders in neighbouring China have acquired
scale while those in India are puny by comparison, giving
them little clout in global markets.
The economic downturn, with growth having almost
halved from the peak, has exposed the fault lines in the
system. The parlous financial position of the government
has left banks capital-starved — the allocation for this
year is tiny compared with the amount needed to meet
Basel III standards. And, to access capital from the market,
the state-run banks need a strategy to turn more profitable.
Currently, they are labouring under bad debt on account
of companies finding it difficult to repay loans because of
the slump.
“Government has made it clear that they will not give
any capital,” said one of the bankers. “Banks that have the
capital and the capability to raise capital could look at
acquisitions,” he said, while adding “Nothing has reached
the drawing board. Banks are only doing all kinds of
permutations and combinations.”
To be sure, state-run bank consolidation has been
discussed for nearly a decade, but little progress has been
made, except for shotgun weddings that were aimed at
rescuing ventures in poor shape. Inertia among banks,
cultural issues and fears of trade union unrest held up any
such move. That may now change with the new
government.
“There have been some suggestions for consolidation
of public sector banks,” Jaitley said in his July 10 Budget
speech. “Government, in principle, agrees to consider these
suggestions.”
A committee set up by the Reserve Bank of India under
former Axis Bank chairman PJ Nayak had suggested that
the health of state-run banks was poor. To strengthen them,
the report said it would be better “either to privatise these
banks and allow their future solvency to be subject to market
competition, including through mergers; or to design a
radically new governance structure for these banks which
would better ensure their ability to compete successfully,
in order that repeated claims for capital support from the
government, unconnected with market returns, are
avoided.”
The market share of the public sector banks is forecast
to decline from 80% in 2000 to just over 60% in 2025, Nayak
had said. They stack up poorly in many respects against
non-state institutions. For instance, net profit per employee
at the new private sector banks was about four times that
of the SBI Group in the year ended March 2013
171. Why did the state-run banks get weakened over the
years?
(A) Because these banks did their banking business
without any restrictions.
(B) Because these banks were under obligation to
 obey the dictates of the government, leaving aside 1) Efforts for consolidation of state-run banks are on
their main business. for past one decade but nothing remarkable has

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(C) Because, besides doing banking business, these come out as yet.
banks were used as an organ of the government 2) The consolidation of state-run banks is a complex
administration. task and it will take some more years for its
1) Only (A) and (B) 2) Only (B) and (C) completion.
3) Only (A) and (C) 4) Only (C) 3) Banks are doing all kinds of permutations and
5) All (A), (B) and (C) combinations but the result is cipher.
172. What has been suggested by PJ Nayak Committee for 4) Only 1) and 2)
improving the condition of state-run banks? 5) Only 1) and 3)
(A) Privatise these banks and allow their future 177. What does the phrase ‘kick off’ mean as used in the
solvency to be subject to market competition. passage?

KUNDAN
(B) Allow merger of these banks into a bigger one 1) Discontinue 2) Breakdown
under the direct control of the RBI. 3) Smash 4) Knock
(C) Design a radically new governance structure for 5) Begin
these banks to make them financially strong 178. Under the current scenario what do state-run banks
enough to compete successfully. need to do to access capital from the market?
1) Either (A) or (B) 2) Either (B) or (C) 1) They need to float public shares.
3) Either (A) or (C) 4) Only (C) 2) They need a strategy to earn more profit.
5) All (A), (B) and (C) 3) They should increase lending rate to attract
173. Which of the following is not true in the context of the depositors.
passage? 4) They should announce handsome returns to
1) Four big state-run banks have begun to identify depositors.
takeover targets. 5) All the above
2) The finance minister has given free hand to state- 179. What is the justification of the author saying that the
run banks to make their own strategy for banking economic downturn is the result of systemic fault?
business. Give your answer in the context of the passage.
3) The four big-state-run banks have already decided (A) That the catastrophic performance of the financial
the names of some small banks likely to be taken market was the result of the violation of Sebi’s
over. guidelines
4) According to PJ Nayak Committee report, the state- (B) That economic growth has reduced to half its peak
run banks were not performing well. value.
5) None of these (C) Monetary authorities have aggressively reduced
174. Why have banks turned capital-starved? Answer in the interest rates to unprecedented levels.
the context of the passage. 1) Only (A) 2) Only (B)
1) Because of excessive loans sanctioned to mala fide 3) Only (C) 4) Only (A) and (B)
customers 5) All (A), (B) and (C)
2) Because of bad monetary policy of the RBI Directions (Q. 180-183): Choose the word which is
3) Because of the excessive payments towards most similar in meaning to the word printed in bold as
government-sponsored schemes without used in the passage.
appropriate provision for them 180. Acquisition
4) Because of the dangerous financial position of the 1) redemption 2) forfeit 3) possession
government 4) dearth 5) recovery
5) All the above 181. Parlous
175. Which of the following is possibly the most 1) harmful 2) strong 3) critical
appropriate title for the passage? 4) powerful 5) safe
1) Policy Paralysis of the Central Government 182. Inertia
2) The Economic Downturn 1) inactivity 2) liveliness 3) awakening
3) Union Budget 2014: A Review 4) interest 5) concern
4) Consolidation of Banks 183. Solvency
5) Managerial Autonomy for Public Sector Banks 1) destitution 2) deprivation
176. Which of the following statements regarding the 3) impotency 4) inadequacy
consolidation of state-run banks is/are true? Answer 5) financial competence
in the context of the passage.
 Directions (Q. 184-185): Choose the word/group of
words which is most opposite in meaning of the word/
group of words printed in bold as used in the passage.
184. Puny
1) trivial 2) strong 3) inferior
4) tiny 5) weak
185. Augment
1) reinforce 2) strengthen 3) magnify
4) weaken 5) multiply
Directions (Q. 186-190): Rearrange the following
six sentences (A), (B), (C), (D), (E) and (F) in the proper
sequence to form a meaningful paragraph and then answer
the questions given below.
(A) The ultimate goals of a bank are to increase its
market share, become more diversified, reduce the
risk of entering a new business and redefine the
competitive edge through acquiring different
streams of business.
(B) The strategic factors for existing banks competing
with private and international players would be
the size, quality of service and low-cost finance
by achieving ‘critical mass’.
(C) Consolidation will provide banks with new
capabilities, technologies and products, help to
overcome entry barriers, ensure immediate entry
into new markets and lower operating costs
through consolidation of resources.
(D) In the liberalised era, banks in India will have to
be competitive in order to face the challenges and
leverage the opportunities.
(E) Consolidation may also take place through
strategic alliance or partnerships covering
specific areas of business such as small-to-
190. Which of the following should be the SIXTH (LAST)
sentence after rearrangement?
1) A 2) B 3) E 4) C 5) F
Directions (Q. 191-200): In the following passage,
some of the words have been left out, each of which is
indicated by a number. Find the suitable word from the
options given against each number and fill up the blanks
with appropriate words to make the paragraph
meaningfully complete.
The government will not insist on Know Your
Customer (KYC) guidelines on Kisan Vikas Patra (KVC), a
post office savings instrument product that is being
reintroduced after an over-two-year (191) but interest
payments above the (192) threshold will be subject to tax
deduction at source.
“There will be no KYC but interest payment would
(193) TDS (tax deducted at source). Small savers, however,
may be (194) as only interest outgo above `1000 will be
taxed.
“In rural areas, where the unbanked population is still
high, it will bring small savers into the organised (195)
instead of chit funds and such schemes... The (196) of
picking up the instrument from the nearest post office is
huge,” said DK Pant, chief economist, India Ratings.
Another official said proceeds from the instrument will not
be handed out in cash, unlike in the past, but (197) to a
post office savings account.
The popular Kisan Vikas Patra (KYC) was (198) out in
2011 over fears of money laundering, as anyone could
invest in the saving instrument and no questions were
asked about the source of income. The government is (199)
it this year with the aim of (200) the savings of farmers into
the formal channels. Kisan Vikas Patra was a very popular

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medium-sized enterprise (SME) lending, credit instrument among small savers.
cards and insurance. 191. 1) lapse 2) hiatus 3) juncture
(F) In contrast to the earlier experience of mergers 4) blank 5) space
being initiated by the regulator to protect the 192. 1) settled 2) specific 3) precise
interest of depositors of weak banks, the trend of 4) prescribed 5) limited
market-led mergers between private banks and 193. 1) face 2) feature 3) count
private banks with public sector banks may gain 4) attract 5) calculate
momentum. 194. 1) provided 2) needed 3) spared
186. Which of the following should be the FIRST sentence 4) denied 5) refused
after rearrangement? 195. 1) passages 2) pathways 3) avenues
1) C 2) D 3) E 4) F 5) A 4) means 5) channels

KUNDAN
187. Which of the following should be the SECOND 196. 1) impediment 2) convenience 3) accessibility
sentence after rearrangement? 4) facility 5) disadvantage
1) B 2) C 3) D 4) A 5) E 197. 1) deported 2) assigned 3) transmitted
188. Which of the following should be the THIRD sentence 4) transferred 5) relocated
after rearrangement? 198. 1) pulled 2) taken 3) phased
1) C 2) F 3) A 4) B 5) D 4) ejected 5) given
189. Which of the following should be the FOURTH 199. 1) reintroducing 2) reviving 3) propelling
sentence after rearrangement? 4) throwing 5) projecting
1) F 2) A 3) C 4) E 5) B 200. 1) carrying 2) delivering 3) transferring
4) avoiding 5) bringing
Answers (11-16):
The machine rearranges the numbers and
Step II: 16 31 correct doctor 46 professor
male 33 35 39 female 42 study

K
1. 2; Check options one by one. words in such a manner that the numbers are Step III: 16 31 correct doctor 33 35 46
1) A  B < C < D = E arranged in each alternate step in ascending professor male 39 female 42 study
This leads to A < C. order while words are also arranged in each Step IV: 16 31 correct doctor 33 35 female
Hence, 1) does not follow. alternate step in alphabetical order. In each male 46 professor 39 42 study
2) A  B = C < D = E alternate step two numbers and two words Step V: 16 31 correct doctor 33 35 female
This leads to A  C and E > A. are arranged. male 39 42 46 professor study
Hence option 2) follows. Input: 46 16 professor male 31 correct 33 Step VI: 16 31 correct doctor 33 35 female
3) A  B > C < D = E 35 39 female doctor 42 study male 39 42 professor study 46
Thus we can’t compare A and C or A and E. Step I: 16 31 46 professor male correct 33 11. 4 12. 2 13. 3 14. 1 15. 1
Hence 3) does not follow. 35 39 female doctor 42 study 16. 2
4) A  B  C < D = E
Thus, we can’t compare A and C or E and A. (17-23):
Hence, 4) does not follow. (+) Male
College Watch
(–) Female
2. 1; Given expression:

KUNDAN
A > B = C < D = E  F = G. Thus, D > B, and Person GLA GNC HCC PTC RKC SPDC SRMC Casio Fastrack HMT Rado Tissot Titan Reebok
C < D. And we can’t compare E and A. Hence S(+) × × × × ×  × × × × × × × 
options (2), (3), and (4) do not follow. T(–)  × × × × × × × ×  × × × ×
But F > B. Hence option 1) follows. U(–) ×  × × × × × × × ×  × × ×
3. 2; Check options one by one. V(–) × × × × × ×  ×  × × × × ×
1) W = X > V = Y > Z
W(+) × ×  × × × × × × × ×  × ×
This leads to X > Z or Z < X.
X(+) × × × ×  × × × × × × ×  ×
Hence 1) does not follow.
2) W > X = V = Y  Z. Y(+) × × ×  × × ×  × × × × × ×
This leads to X  Z or Z  X.
Again, W > Y or Y < W. Person Watch College Gender Option (4)
Thus, option 2) follows. S Reebok SPDC Male
3) W  X < V = Y  Z T HMT GLA Female
This leads us to X < Z or Z > X. P is nephew of S.
Hence (Z  X) does not follow. U Rado GNC Female
27. 3;
4) W > X  V < Y = Z V Fastrack SRMC Female
We can’t compare W and Y or Z and X.
W Tissot HCC Male
Hence does not follow.
4. 3; Given expression: X Titan RKC Male Hence, T is father of Q.
PQ>R=ST<U 28. 4;
This leads to P > R, U > S and R < U. Y Casio PTC Male
Hence option 1), 2) and 4) do not follow. 17. 2 18. 1 19. 3 20. 4 21. 2
But S < U. Hence, option 3) follows. 22. 1 23. 3
5. 4; Check options one by one. 24. 1;
1) N  M < L > O
29. 5; All engineers are cooks(A) + Some
This leads to N < L or L > N.
cooks are merchants (I) = A + I = No
Hence does not follow.
conclusion. But the possibility in I exists.
2) M  N < L > O
Hence conclusion I follows.
This leads to L > N. Hence does not follow.
Again, Some cooks are merchants (I)
3) O  M < L > N
Hence, R is paternal uncle of P.  conversion  Some merchants are cooks
This leads to L > N. Hence does not follow.
(I). Hence conclusion II follows.
4) L  M < N > O
25. 3; 30. 4; There is no negative statement but
This leads to L < N. Hence (L > N) is false.
both conclusions are negative. Hence neither
Hence follows.
I nor II follows.
(6-10):
31. 1; Some doctors are lawyers (I) + No
market retail price  cut nut but ... (i)
Hence, M is father of L. lawyer is a man (E) = I + E = O = Some
gross domestic price  nut hut kat ... (ii)
26. 5; Option (1) doctors are not men Hence conclusion I
market wholesale price  sat nut cut ... (iii)
follows.
net gross demand  hut put vat ... (iv)
No lowyer is a man (E) + No man is honest
From (i), (ii), (iii), price  nut ... (v)
(E) = E + E = No conclusion. Hence
From (i), (v) and (iii), P is brother of S. conclusion II does not follow.
market  cut ... (vi)
Option (2) 32. 4; No lowyer is man(E) + No man is
From (i), (v) and (vi), retail  but ... (vii)
honest (E) = E + E = No conclusion. Hence
From (ii) and (iv), gross  hut ... (viii)
conclusion I does not follow.
From (ii), (v) and (viii),
Again, Some doctors are lawyers(I) + No
domestic  kat ... (ix) P is an in-law of S.
lowyer is a men (E) = I + E = O = Some
From (iii), (v) and (vi), Option (3)
doctors are not man. Hence conclusion II
wholesale  sat ... (x)
does not follow.
From (iv) and (viii),
33. 5; Some letters are pages(I) + All pages
net/demand  put/vat ... (xi) P is niece-in law of S. are books (A) = I + A = I = Some letters are
6. 1 7. 2 8. 2 9. 3 10. 4
books. Hence conclusion I follows.
Again, All pages are books (A)  conversion 44. 3; This has been categorically stated in
60  10 70
 Some books are pages (I). Hence D: “Most banks would not be interested in Ratio after 10 year = =7 :5
conclusion II also follows. merger at this juncture…” 40  10 50
45. 1; If the government does not have
34. 4; From I. 7
money, as stated in B, privatisation must be 56. 2; BMA  131857 = 83909
the need of the hour. 11
46. 2; Since the government reimburses only 5
the tuition fees, the poor will be asked to CMA  116536 = 72835
8
pay for the fees which schools charge in other
categories. This will lead the poor to turn  Difference = 83909 – 72835 = 11074
away from these schools and defeat the very 5
purpose of RTE. 57. 1; AMA = 105623 = 75445
7
47. 3; This is the assumption implicit in
“speaks such good English, as they do on 11
TV.” AFA = 100249 = 64867
17
48. 4; A clear mathematical recipe for loss!
49. 3; The focus shifts here from the floods Total adults in City A = 75445 + 64867
in Kashmir. = 140312
We cannot say if P, R and S are facing towards
or outward from the centre. 50. 2; The number of persons in the row 5
= (18 + 10 – 1) = 27 58. 4; Fmale-minor = 180396 × = 50110
18
From II. Hence the no. of persons other than A and B
= 27 – 2 = 25 9
51. 5; From these given information we can’t Ffemale-adult = 183296 × = 103104
16
find the exact population of City A. No
absolute number has been mentioned at all. 50110
 Reqd % =  100 = 48.6%
52. 3; From statement I and III. 103104
60 8
P is facing outward and R is facing the centre. Speed = = 5ms–1
So, we cannot say if S, T and Q are facing the 12 59. 5; Dmale-adult = 137202 × = 84432
13
centre or outward from the centre. Hence, statement II is not required.
35. 2; From I. We don’t know the directions. 53. 2; From I. Perimeter = 2(l + b) = 140 9
EFemale-adult = 161896
= 104076
 l + b = 70 ... (i) 14
From II. From II. l2 + b2 = (Diagonal)2 = (50)2  Difference 104076 – 84432 = 19644
= 2500 ... (ii)
6
l 4 60. 3; AFemale-minor = 100249 = 35382
From III. Ratio = = 17
b 3
 3l = 4b 4
BFemale-minor = 115110 = 30696
From any two equations we can find the value 15
of l and b.
54. 1; Let the number be 10x + y (35382 – 30696)
Hence, W is in the north with respect to B.  Reqd % = × 100
Thus, II alone is sufficient. From I. x + y = 13 30696

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(36-39): From II. 10x + y – (10y + x) = 27
4686 100
x–y=3 = = 15.26%  15%
From these two statements we can find the 30696
number
65
But from statement (III) it is not clear 61. 3; SaleA = 84000 = 54600
whether 100
x – y = 3 or y – x = 3 70
55. 5; Let the ages of A and B be 3x and 2x SaleB = 56000 = 39200
respectively. 100
36. 2 37. 5 38. 2 39. 5 From I. 3x – 2x = 20  Total sale = 54600 + 39200 = 93800
(40-41):  x = 20 60
So, 3x = 60 and 2x = 40 62. 4; B2011 = 78000 = 780 × 60
100

KUNDAN
60  10 70
 Ratio = = =7:5 60
40  10 50 A2013 = 68000 = 680 × 60
100
From II. 3x + 2x = 100
 x = 20 780 39
40. 2  Ratio =  = 39 : 34
So, 3x = 60 and 2x = 40
41. 4 680 34
42. 3; Option C presents a very rosy picture. 60  10
43. 5; If the government intends to keep its Ratio after 10 years = 7 :5 52
40  10 63. 2; SaleA = 70000 = 36400
stake at 52 per cent, raising of capital is not 100
From III. (3x – 16) – (2x – 16) = 20
possible through the disinvestment mode  x = 20 Total no. of motorcycles produced by B
beyond a certain limit. Hence it is only So, 3x = 60 and 2x = 40 = 81000
merger that can pave the way for large-capi-
tal banks.
 36400 Im B 13 3
 Reqd % =  100 = 44.938  45% DifferenceD = 170000   = 5100
Ex B = 0.7

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81000 100 13
64. 5; Total no. of motorcycles sold by B
11.2 16 7 – 9
70 60 55  ExB = = 16 lakh DifferenceE = 170000   = –3400
0.7 100 16
= 56000 + 78000 + 80000
100 100 100
18.5 – 16 250 10 1
70 63  Reqd % =  100 = DifferenceF = 170000   = 3400
16 16 100 5
+ 60000 + 81000
100 100 = 15.625%  Difference = 2900 + 6800 – 3400 + 5100
= 39200 + 46800 + 44000 + 42000 + 51030 – 3400 + 3400 = 11400
= 223030 29 8
71. 3; SaleA = 170000   = 23200 27 11
100 17 76. 1; B2013= 19000   = 2970
223030 100 19
 AverageB = = 44606 18 7
5
SaleB = 170000   = 11900 24 5
100 18 

KUNDAN
58 A2014 = 23000 × = 2300
100 12
65. 2; A2011 = 72000 = 41760 14 4
100  Difference = 2970 – 2300 = 670
SaleC = 170000   = 13600
100 7
75 20 3
A2012 = 92000 = 69000  Total sale = 23200 + 11900 + 13600 19000  
100 = 48700 100 5
77. 4; Reqd ratio = 8 3
69000 – 41760 13 (8 – 5) 23000  
 Reqd % rise = 100 100 4
41760 72. 2; Difference = 170000  
100 13
= 1700 × 3 = 5100 190  12 38
27240 100 =  = 38 : 23
= = 65.229  65% 230  6 23
41760 16 9
170000  
66. 5; Im > Ex 100 16 9 3 21 8
78. 4; Ffemale = 19000 ×  = 1520
73. 2; Ratio = 10 3 = = 100 21
Im 170000   6 2
>1 100 5
Ex 8
Hence, from the given graph in 2014, Etotal = 19000 = 1520
13 8 100
Im > Ex of Company B. 74. 3; Ddiesel = 170000    13600
100 13
67. 4; No relationship between the two 1520
 Reqd % =  100 = 100%
companies has been given. Therefore, we 10 1520
cannot determine the value of import of Total no. of cars sold by F = 170000
100
Company B. 15 11
= 17000 79. 2; BFemale = 23000   = 1650
100 23
Im
68. 3; = 1.3 13600 1360
Ex  Reqd % =  100 = = 80% 8 5
17000 17 EMale = 19000    950
Im = 1.3 × 18 = `23.4 lakh 100 8
75. 2;
69. 1; ImA  1.1 × 17 = `18.7 lakh
ImB  0.5 × 17 = `8.5 lakh 29 1 1650 – 950
DifferenceA = 170000   = 2900  Reqd % =  100 = 73.68%
 Total = 18.7 + 8.5 = `27.2 lakh 100 17 950
Im A 18 4 23000 7 11
70. 5; Ex = 0.8 DifferenceB = 170000   = 6800 80. 3; Avg = [24 × + 15 × +
A 100 18 6 100 12 23

14.8 16 3 – 4 8 9 3 8
 ExA = = `18.5 lakh DifferenceC = 170000   = –3400 23 × + 17 × +8× + 13 × ]
0.8 100 16 23 17 4 13
 88. 2; Here the given rural population = 44% 112.4
230 165 CY = 55000 × = 61820
= [14 + + 8 + 9 + 6 + 8] Urban population = 56% 100
6 23
44 113.2
 Reqd % =  100 = 78.57%  78.6% DY = 75000 × = 84900
230  165  230 1200 56 100
= 45  =  = 2000
6  23  6 23 111.5
 50.4 55 
89. 4; EUrban =  73    lakh EY = 80000 ×
100
= 89200
124 120  360 100 
81. 4; A2014 = 10 ×  = 14.88 lakh = 5.621 lakh
100 100 111
57.6 FY = 50000 × = 55500
100
100 100 Btotal = 73 = 11.68 lakh
82. 1; C2012 = 19.9962 ×  360 Total no. of readers of Magazine Y = 71980
126 115
5.621 + 74750 + 61820 + 84900 + 89200 + 55500
= 13.8 lakh  Reqd % =  100 = 48.125% = 438150
11.68
115 438150
83. 2; B2013 = 14 × = 16.1 lakh 39.6 60  Average = = 73025
100 90. 3; FUrban = 73 ×  = 4.818 lakh 6
360 100
140 117
F2013 = 14.5 × = 20.3 lakh 64.8 30 95. 2; B2014 = 72000 = 84240
100 ARural = 73 ×  = 3.942 lakh 100
360 100 F2013 = 60000
 Total = 16.1 + 20.3 = 36.4 lakh
84. 3; Let the population of City D and City (4.818 – 3.942) 87.6 84240 – 60000
 100 =  Reqd % = 100
E be x in the year 2012.  Reqd % = 60000
3.942 3.942
130 124  22.2% 24240
Then, D2014 = x ×  = 1.612x = = 40.4%
100 100 91. 2; Total no. of readers from City A and B 600
112 117 (96-100):
120 = 56000   72000 
And E2013 = x  = 1.2x 100 100 Department Male Female
100
= 62720 + 84240 = 146960 D1 450 312
1.612 x 113.5
 Reqd % =  100 = 134.33% D2 210 180
1.2 x 92. 1; DX = 81000 = 91935
100 D3 120 90
85. 1; Let A2012 be 100. 113.2
DY = 75000× = 84900 D4 315 210
124 120 100 D5 405 408
Then, A2014 = 100    148.8  Difference = 91935 – 84900 = 7035
100 100 Total 1500 1200
116 96. 2
100 93. 5; FX= 60000 = 69600
 Reqd % =  100  67.2% 100 315
148.8 97. 3; Reqd % = × 100 = 21%
111 1500
57.6 36 FY = 50000 = 55500 180
86. 3; BRural = 7300000    420480 100
360 100 98. 4; Reqd % = × 100 = 40%
450
87. 4; 69600
 Reqd % =  100 = 125.4% 90

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46.8 (65 – 35) 55500 99. 4; Reqd % =  100 = 75%
 Difference = 7300000   120
360 100 118
94. 3; AY = 61000 × = 71980 405 9
7300000  46.8  30 100 100. 3; Ratio = = = 9 : 10
450 10
= = 284700
36000 115 101. 3 102. 4 103. 2 104. 5 105. 3
= 2.847 lakh BY = 65000 × = 74750 106. 1 107. 1 108. 2 109. 5 110. 1
100
111. 5 112. 3 113. 1 114. 3 115. 3
116. 1 117. 5 118. 1 119. 4 120. 4
121. 4 122. 4 123. 1 124. 3 125. 5
126. 3 127. 2 128. 2 129. 3 130. 1
131. 2 132. 3 133. 3 134. 1 135. 4
136. 1 137. 2 138. 3 139. 4 140. 3
141. 1 142. 5 143. 1 144. 5 145. 5

KUNDAN
146. 1 147. 3 148. 5 149. 4 150. 1
151. 3 152. 2 153. 1 154. 5 155. 2
156. 2 157. 1 158. 1 159. 3 160. 4
161. 4 162. 5 163. 3 164. 2 165. 1
166. 5 167. 2 168. 4 169. 3 170. 1
171. 2 172. 3 173. 3 174. 4 175. 4
176. 1 177. 5 178. 2 179. 2 180. 3
181. 3 182. 1 183. 5 184. 2 185. 4
(186-190): DACBFE
186. 2 187. 4 188. 1 189. 5 190. 3
191. 2 192. 4 193. 1 194. 3 195. 5
196. 2 197. 4 198. 3 199. 1 200. 5