Jammu and Kashmir Bank Clerk Prelims Model Paper 1: English Language

Jammu and Kashmir Bank Clerk Prelims Model Paper 1
English Language 4. While the Vokkaligas found a strong foothold in

Directions (1-10): In each of the question given the Janata Dal led by Mr. Deve Gowda, the success
below a/an idiom/phrase is given in bold which is of the BJP in the State lies in attracting the Lingayats
then followed by five options which then tries to to its fold by the early 1990s.
decipher its meaning as used in the sentence. A.protests
Choose the option which gives the meaning of the B.demonstrates
phrase most appropriately in context of the given C.manifests
sentence. D.confuses
1. The Sri Lankan Supreme Court’s ruling that E.loses
President Maithripala Sirisena’s term will end when
he completes five years in office comes as no state 5. The Malimath report tip off a standard of proof
of amazement. lower than the current ‘beyond reasonable doubt’
A.fortune standard.
B.jolt A.submit
C.surprise B.commend
D.start C.prefer
E.curiosity D.suggests
E.advocate
2. It is not a bad idea to revisit old committee
reports with a view to considering their possible 6. The widespread perception that there is corruption
implementation. on the one hand and a deep nexus between crime
A.advisedly syndicates and politicians on the other, has added to
B.purposely the wearing down of public confidence in the justice
C.designed delivery systems.
D.freely A.spoiling
E.pointedly B.erosion
C.consumption
3. The in favour verdict in the elections to the State D.building
Assembly in Karnataka is important for both the E.construction
Congress and the Bharatiya Janata Party (BJP) for
reasons more than one. 7. Karnataka was the first State it came to power in
A.positive South India and its weak point to repeat this
B.Supportive performance may tell badly on its future in the South.
C.kind A.lack
D.praiseful B.inutility
E.friendly C.unfitness
D.inability
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E.incapability catchy name of MiFID2, have just dealt analysts

another blow. A study by Greenwich Associates
8. According to the IMF’s January update of the estimates that the budget for the research they
World Economic Outlook, the global economy is all perform may drop by 20% this year. In their heyday
set to clock its best growth rate in seven years in in the late 1980s and early 1990s, analysts could
2018 following a pickup since mid2016. make or break corporate reputations. A “buy” or “sell”
A.handy recommendation from the leading two or three
B.ready analysts in an industry could move a share price
C.equipped substantially. Fund managers, and many financial
D.covered journalists, relied on analysts to spot those
E.waiting companies that were on a rising trajectory, and those
where the accounts revealed signs of imminent
9. Abroad based recovery in global growth may trouble. And the best analysts were very well paid.
be rounding up steam, but the price the world will But that golden age was built on some rusty
have to pay for it is still unknown. foundations. Analysts were well paid because they
A.grouping worked for the big investment banks. But those big
B.gathering banks made money not just by helping investors to
C.Associating trade but also by advising companies on new issues,
D.levy and on mergers and acquisitions. In such
E.rallying circumstances, there was an implicit bargain that
analysts would be positive about a company’s
10. It is no secret that since the 2008 financial crisis prospects. If they were not, the chief executive might
the global economy has been propped up mainly by take his business elsewhere. Over time, “buy”
the unprecedented easy money policies adopted by recommendations far exceeded “sell” suggestions.
global central banks. This looked less like dispassionate analysis than
A.boosted marketing. A second problem came in the 2000s as
B.restored regulators cracked down on the way that companies
C.energized released news to the market. Information could no
D.pushed longer be selectively released to favoured analysts.
E.excited By the same token, those “Sherlock-like” analysts
who liked to spot trends through independent
Directions (11-15): Read the following passage company visits faced difficulties. Everything came to
carefully and answer the questions given below it. depend on the profits guidance issued by companies
They are not extinct, nor even on the endangered- for the next quarter or year. And analysts dared not
species list. But company analysts, once among the let their forecasts stray too far from what the
most prestigious professionals in the stockmarket, companies suggested. The paradoxical result was
are being culled. New European rules, with the that finance, an industry whose acolytes often

trumpet the superiority of free-market economics, however, is that something will be lost in the process.
had created a poorly functioning market—one that For all their faults, analysts acted as conduits for
was oversupplied with analysts who mostly offered company information to be passed to investors who
the same product. Why, then, did it survive at all? could not afford their own research (charities and
The conventional way that investors rewarded banks small pension funds, for example) and, via the
for good research was not to pay for it directly, but to media, to the general public. A few heroic analysts
funnel securities trades their way. This system of (one thinks of Richard Hannah, a long-term
“soft” commissions created two conflict-of-interest Eurotunnel sceptic) proved adept at exposing
questions. Were fund managers trading more than corporate flimflam.Alas, the industry generated far
they needed to just to pay for their research? And too few sceptics and far too many corporate
were they getting the best terms available when they cheerleaders. The baby is being thrown out with the
did that trade? In both cases, the client, not the fund bathwater—but in recent times it was a very small
manager, was in effect paying for the service. There baby amid an awful lot of murky water.
was little incentive to change. 11. What is true regarding the passage?
Under the new MiFID rules, banks will not be 1. The profession of company analysts is
allowed to bundle research up with other products. reducing day by day.
Fund managers will have to pay for it separately. As 2. Author thinks that profession of company
a result, they are expected to be much more analyst will be extinct in near future.
selective. This recalls Dr Johnson’s response when 3. Total budget for the research have dropped
Boswell asked whether the Giant’s Causeway in this year.
Northern Ireland was worth seeing. The great man A.Only 1
replied: “Worth seeing, yes; but not worth going to B.Only 2
see.” The suspicion is that, for many fund managers, C.1 & 3
the work of analysts is “worth having, but not worth D.1 & 2
paying to have”. The rules may technically apply only E.All of the above
to Europe but even American investment banks are
expected to adjust their business models to cope 12. Earlier what is true regarding analysts?
with MiFID. The employment prospects of analysts 1. Earlier top analyst can increase the
had already been hit by index-tracking, or “passive” reputation of any corporate companies.
fund management, which simply buys all the shares 2. Analyst can move any share price
in a benchmark, and by the growth of quantitative substantially.
hedge funds, which use computer programs to select 3. Mostly analyst gave wrong suggestions to
stocks. But the best analysts need not despair their company.
completely. The biggest fund managers employ in- A.Only 1
house research. Some may be willing to pay for B.Only 2
analysis from independent boutiques (as has been C.1 & 3
the case in the world of economics). The fear, D.1 & 2

E.All of the above B.Only 2

C.1 & 3
13. What is the main problem of analysts according D.1 & 2
to the passage? E.All of the above
1. There was some problem for investor form
the side of regulators. Directions (16-20): In each of the questions given
2. In the 2000s companies guided their analyst below a sentence is given with one blank. Below
to forecast according to the advice of each sentence FOUR words are given out of which
companies. two can fit the sentence. Five options are given with
3. Free functioning of analysts stopped. various combinations of these words. You have to
A.Only 1 choose the combination with the correct set of words
B.Only 2 which can fit in the given sentence.
C.1 & 3 16. For long, scientists have been _________by the
D.1 & 2 fact that long strands of DNA apparently have no real
E.All of the above function.
A. Astonished
14. Which can be true from the given sentences? B. puzzled
1. There is new MiFID rule in which bank will not C. confused
be allowed to research up with other D. doubtful
products. A.A-B
2. Bank doesn’t pay their researcher directly B.B-C
from investor rewards. C.C-D
3. Investors are not relying on the bank’s D.A-D
research for their investment. E.B-D
A.Only 1
B.Only 2 17. Influential corporate groups have _________ the
C.1 & 3 judiciary’s independence.
D.1 & 2 A. Distorted
E.All of the above B. curved
C. falsified
15. Which of the following can be the suitable title for D. melted
the passage? A.A-B
1. Drowning profession of analysts. B.B-C
2. Pros and cons of being an analyst. C.C-D
3. Golden age of analyst. D.A-C
4. Making a company reputed. E.B-D
A.Only 1

18. As the consequences of the historic press D.A-D

conference of the four senior most judges of the E.B-D
Supreme Court play out, a constant ________ that
has been heard is of the need to resolve differences Directions (21-30): In the given questions, there is a
internally. sentence given which is divided into five parts labled
A. forgo as A, B, C, D, E. There will be grammatical errors in
B. refrain any two parts of the sentence. From the options,
C. abstain choose the pair which contains errors.
D. stop 21. A ruling by South Africa’s Constitutional Court
A.A-B at (a)/ Friday, December 29, that Parliament
B.B-C should (b)/ putting in place a mechanism for Jacob
C.C-D Zuma’s (c)/ removal is a judicial setback for the
D.A-D President. (d)
E.B-D A.a-d
B.a-c
19. For the BJP, while winning the State may not be C.b-c
very _______ to its overall dominance at present, D.c-d
losing it may have ominous significance. E.b-d
A. urgent
B. essential 22. The potentially premature end to his scandal-
C. deciding plagued tenure will (a)/ also being a political blow for
D. crucial Cyril Ramaphosa, (b)/ the Deputy President, those
A.A-B was elected leader of the (c)/ African National
B.B-C Congress (ANC) at the party’s conference last
C. C-D month. (d)
D.A-D A.a-d
E.B-D B.a-c
C.b-c
20. The process of _________ legislation for road D.c-d
safety has been in the making for the past four years. E.b-d
A. suggesting
B. announcing 23. His victory intensified speculation over (a)/ the
C. introducing early exited of the beleaguered Mr. Zuma, (b)/ who
D. prefacing has been embroiled in allegations of (c)/ high profile
A.A-B corruption that predate thier presidential tenure since
B.A-C 2009. (d)
C.B-C A.a-d

B.a-c D.c-d
C.b-c E.b-d
D.c-d
E.b-d 27. A year later, in December, the Pretoria High
Court ordered Mr. Zuma (a)/ to act on that
24. But the election of number of Mr. recommendation inside a month, (b)/ even as it
Zuma’s (a)/ supporters to the ANC top executive in characterised the delay as tantamount (c)/ to
last month’s organisational poll (b)/ may have put disregarding the ombudsman’s constitutional
paid to such hopes, even if their populist duties. (d)
programmes (c)/ will constricting Mr. Ramaphosa’s A.a-d
pragmatic approach on the economy before the 2019 B.a-c
popular vote. (d) C.b-c
A.a-d D.c-d
B.a-c E.b-d
C.b-c
D.c-d 28. Perhaps buttress the prospects for trials
E.b-d on (a)/ this occasion, the Pretoria court in December
ordered (b)/ the removing of the country’s chief
25. The most spectacular of Mr. Zuma’s controversial prosecutor, a Zuma appointee, (c)/ handing
links involve (a)/ “state capture;” a cryptic description responsibility to select his successor to the Deputy
of (b)/ the strategic connections between the President. (d)
President’s family (c)/ and the mining and media A.a-d
empire in the now notorious Gupta brothers. (d) B.a-c
A.a-d C.b-c
B.a-c D.c-d
C.b-c E.b-d
D.c-d
E.b-d 29. The majority ruled that Parliament have (a)/ failed
to hold Mr. Zuma to account for the use of
26. Tales of how Guptas cornered lucrative state millions (b)/ of rands of public funds to upgraded his
contracts (a)/ and even influenced ministerial rural home in Nkandla, (c)/ in his native province of
appointments in their (b)/ adopted home were recent KwaZulu-Natal. (d)
recounted before (c)/ the U.K. House of Lords by A.a-d
veteran anti-apartheid campaigner Peter Hain. (d) B.a-c
A.a-d C.b-c
B.a-c D.c-d
C.b-c E.b-d

30. The latest verdict is a sequel to the B.B

court’s (a)/ unanimous 2016 ruling, when they held C.C
that Mr. Zuma’s refusal (b)/ to reimburse the state, as D.D
per the 2014 recommendations (c)/ of the country’s E.E
public protector, was inconsistency with the
Constitution. (d) 33.
A.a-d I.3x2 – 13x + 14 = 0,
B.a-c II.3y2 – 20y + 32 = 0
C.b-c A.A
D.c-d B.B
E.b-d C.C
D.D
Numerical Ability E.E
Directions (31-35): In the following questions, two
equations numbered are given in variables x and y. 34.
You have to solve both the equations and find out I.3x2 – 2x – 16 = 0,
the relationship between x and y. Then give answer II.3y2 – 20y + 32 = 0
accordingly- A.A
A .x> y B.B
B. x < y C.C
C. x ≥ y D.D
D. x ≤ y E.E
E. x = y or relationship cannot be determined
35.
31. I.5x2 – 16x – 16 = 0,
I.4x2 – 9x – 9 = 0, II.3y2 – 14y + 8 = 0
II.4y2 + 11y + 6 = 0 A.A
A.A B.B
B.B C.C
C.C D.D
D.D E.E
E.E
36. Meera, Swapna and Rishwi started a business
32. where their initial capital was in the ratio of 1:2:3. At
I.3x2 – 2x – 21 = 0, the end of 6 months, Meera invested an amount
II.6y2 + 17y + 7 = 0 such that his total capital became equal to Rishwi's
A.A

initial capital investment. If the annual profit of D.12 yrs

Swapna is Rs.4500 then what is the total profit ? E.None of these
A.15750
B.18240 40. Daniel speaks truth in 2/5 cases and Sherin lies
C.17950 in 3/7 cases. What is the percentage of cases in
D.16450 which both Daniel and Sherin contradict each other
E.None of these in stating a fact?
A.72.6%
37. A car worth Rs.300000 is sold by Rajesh to B.51.4%
Praveen at 10% profit. Praveen sells the car back to C.62.3%
Rajesh at 4% loss. Then in the entire transaction D.47.5%
Rajesh gets the loss/ gain is? E.None of these
A.Rajesh gains Rs.13200
B.Rajesh gains Rs.13300 41. The length and breadth of the hall are 60 feet
C.Rajesh loses Rs.33000 and 30 feet respectively. Square tiles of a 6 feet
D.Rajesh loses Rs.3168 length of different colors are to be laid on the floor.
E.None of these Red tiles are laid in the 1st row on all sides. If green
tails are laid in the one – two time of the remaining
38. Sanjai got gold medal for his studies 4 years ago. and yellow in the rest, how many yellow tiles will be
His present age is 3/2 times his age at the time of he there?
got the prize. Sanjai’s brother was 5 years younger A.15
to him at the time of his prize event. The age of B.16
sanjai’s brother is. C.17
A.12 yrs D.18
B.7 yrs E.None of these
C.3 yrs
D.9 yrs 42. The ratio of the number of male and female in a
E.None of these committee is 5:6. If the percentage increase in the
number of male and female
39. 5 years ago, the average age of Mr. Ravi family be 12% and 10% respectively, what will be the new
of 5 members was 30 years. 2 children having been ratio?
born with the difference of 3 years, the present A.33:28
average age of the family is the same. The present B.28:33
age of the youngest child is. C.27:34
A.16 yrs D.34:27
B.14 yrs E.None of these
C.18 yrs

43. The compound interest for 2 years on sum of 47. 45.04 ÷ 4.97 = ? ÷ 12.99
amount is Rs.416 and the simple interest on the A.104
same sum for the same period is Rs.400. the B.91
difference between the CI & SI for 3 years will be. C.120
A.48.94 D.117
B.49.28 E.143
C.47.76 48. 135.59 ÷ 7.62 x 2.93 = 75.01% of ?
D.46.65
E.None of these A.80
B.60
44. Varun deposits Rs.12000 in a financial institute at C.40
18% interest per annum for a period of one year and D.20
Rs.9750 in another financial institute at 13.5% per E.68
annum for a period of one year. The total interest
amount obtained is what percentage of the whole 49. 75.05% of (289.96 + 142.01) = ? 2
sum? A.10
A.14.23% B.16
B.12.45% C.14
C.13.43% D.18
D.15.98% E.12
E.None of these
Directions (50-54): What should come in place the
Directions (45-49) What approximate value will come question mark (?) in the following questions?
in place of question mark (?) in the given questions? 50. 7872 + 6997 + 3420 = ?
45. 18.05 x 8.99 - 52.02 = ? A.18298
A.140 B.18289
B.75 C.18890
C.160 D.18829
D.110 E.None of these
E.150
51. 682.69 + 832.87 = 10009 – ?
46. 149.96 x 3.02 - 114.57 x 1.93 =? A.8494.40
A.170 B.8493.44
B.220 C.8694.60
C.310 D.8993.44
D.190 E.None of these
E.260

52. 47.5 × 97.5 × 2 = ? 57. 195, 167, 141, 117, 95, ?, 57

A.8125 A.82
B.9125 B.75
C.8215 C.66
D.9215 D.59
E.None of these E.None
53. 7 (1/2) of 220 + 308.65 + ? = 80995 58. 500, 498, 492, 480, ?,430
A.79036.35 A.460
B.7903.635 B.490
C.16356.35 C.430
D.89036.35 D.540
E.None of these E.None of these
54. 625.97 × 7.5 + 299.87 = ? – 4632.64 59. 525, 480, 440, 405, 375, 350, ?
A.9627.285 A.580
B.9672.85 B.280
C.9227.285 C.330
D.9762.285 D.480
E.None of these E.None of these
Directions (55-59): What will come in place of the Directions (60-64): Study the following bar graph
question marks (?) in the following Number series? carefully and answer the questions
55. 25200, 3600, 600, 120, 30, 10, 5, ? Number of units manufactured (in thousands) by Six
A.5 different companies over the years
B.1
C.6
D.7
E.None of these
56. 3, 9, 31, 129, 651, ?

A.1542 60. What is the percent increase in the number of
B.1293 units manufactured by Company E in the year 2008,
C.3913 from the previous year?
D.2451 A.4.73%
E.None of these B.4.62%
C.4.45%

D.4.36% C.321:252
E.None D.252:321
E.None
61. What is the average number of units sold by
Company D in the years 2005 and 2008 together? 65. Animesh, Mohit and Ronit together can finish a
A.14.65 work in 12 days. Animesh can do it in 24 days while
B.15.75 Mohit can do it in 30 days. Animesh and Mohit work
C.15.95 together for 12 days and leave the rest of the work to
D.16.47 be completed by Ronit. How many days will he take
E.None to do the rest of the work?
A.13
62. What is the respective ratio of total number of B.15
units manufactured by company A & C together in C.12
the year 2005 to those manufactured by company B D.16
and D together in the same year? E.None of these
A.47 : 52
B.37 : 21
C.29 : 21 Reasoning Ability
D.30 : 17 Directions (66-70): Study the given information
E.None carefully and answer the given questions.
Arun, Ramesh, Thiru, Lokesh, Krishnan, Suresh,
63. The number of units manufactured by Company Prasanth and Antony are sitting around a circular
E in the year 2006 is approximately, table at equal distances between each other, but not
What percent of the total number of units manufactur necessarily in the same order. Some of the people
ed by Company E in all the years together? are facing the centre while some face outside (i.e. in
A.21% a direction opposite to the centre).
B.27% Lokesh sits third to the right of Arun. Both Suresh
C.17% and Arun are not facing same direction. Only three
D.25% people sit between Krishnan and Ramesh. Krishnan
E.23% is neither an immediate neighbour of Arun nor
Lokesh. Ramesh faces outside. Prasanth sits to the
64. What is the ratio of the total number of units immediate left of Ramesh. Suresh sits to the
manufactured by company C over all the years to immediate right of Thiru. Neither Arun nor Lokesh is
total number of units manufactured by company E an immediate neighbour of Thiru. Both the immediate
over all the years together? neighbours of Ramesh face the opposite directions.
A.261:307 Antony sits second to the right of Prasanth. Both
B.307:262 Prasanth and Suresh face the same direction as

Antony. Krishnan faces a direction opposite to that of 70. Four of the following five are alike in a certain
Thiru. way based on the given seating arrangement and so
form a group. Which is the one that does not belong
66. Which of the following is true regarding Suresh to that group?
as per the given arrangement? A.Antony
A.Only three people sit between Suresh and B.Arun
Prasanth. C.Thiru
B. Suresh sits second to right of Lokesh. D.Suresh
C.Suresh faces outside. E.Prasanth
D.None of the given statements is true
E.Suresh sits second to the left of Krishnan Directions (71-75): Study the following information
carefully and answer the given questions.
67. How many people in the given arrangement face In a certain code language,
the centre? “good to them” is coded as “ba so ble”
A.One “meet you the party” is coded as “ja fi zo va”
B.Three “good to meet you” is coded as “ja so vaba” and
C.Five “invite them to meet the party” is coded as “fi
D.Four blevabake zo”
E.Two 71. How is “invite” coded in the given code
language?
68. Who amongst the following sits exactly between A.fi
Ramesh and the one who sits second to the left of B.ke
Krishnan? C.ba
A.Arun D.va
B.Thiru E.None of these
C.Lokesh
D.Suresh 72. What does the code “so” stand for in the given
E.Prasanth code language?
A.good
69. What is Thiru's position with respect to Krishnan? B.Them
A.Immediate left C.To
B.Third to the right D.Meet
C.Fourth to the right E.None of these
D.Second to the left
E.Immediate right 73. How is “party” coded in the given code
language?
A.Either “ke” or “fi”

B.Either “zo” or “ble”

C.Either “zo” or “fi” 77. Four subjects—Accounts, Commerce,
D.Either “zo” or “va” Economics and Computer Science were taught in
E.Either “ja” or “fi” four consecutive periods. Each period is of 1 hour
duration and first period started at 8: 00 a.m. At what
74. How will “invite meet you” be coded in the given time did the Commerce period started?
code language? I. Economics period finished at 10 : 00 a.m. and
A.javake just before it was the Computer Science
B.ke jable period.
C.va bake II. Accounts period was the last.
D.zojava III. Commerce period was just after Economics.
E.so java A.Only I
B.Only II
75. Which of the following will be coded as “so baja” C.II and III
in the given code language? D.I and II
A.the good to E.I and II or I and III
B.good you them
C.good you invite 78. Dharini is shorter to Ramya and Archana is taller
D.you meet good than Bhavani. Who is the tallest?
E.you good to I. Archana is taller than Dharini.
II. Ramya is taller than Archana.
Directions (Q. 76–79) In each of the following III. Bhavani is the shortest.
questions three statements are given. You have to A.Only III
decide that whether the information given by these B.I and II
statements sufficient to answer the question. C.Only II
76. What is the total monthly income of Jagat? D.I, II and III
I. Jagat’s income is Rs. 100 more than E.None of these
Raman’sincome.
II. Raman’s income from other sources isRs. 79. ‘CKH’ means ‘We are friends’ in a certaincode
2000 which is Rs. 50 less than Jagat’sincome language. Which letter stands for ‘We’?
from other sources. I. ‘PKN’ means ‘They are class-mates’.
III. Raman’s income is Rs. 1550. II. ‘HMS’ means ‘We love them’.
A.Only II III. ‘FC’ means ‘Hello Friends’.
B.II and III A.I and II
C.I and III B.Only I or only II
D.I and II C.Only II
E.I, II and III D.II and III

E.None of these B.40 m

80. Which of the following will be suitable in C.30 m
the placeof question mark (?) in the given series? D.50 m
GTQ, JRN, MPK, PNH, ? E.None of these
A.QKD
B.RJF 84. D is heavier than E but not as much as A. E is
C.TMD heavier than F. C is heavier than D, but lighter than
D.SLE B. Who is the lightest?
E.None of these A.A
B.B
81. Which of the following will be suitable in the C.E
place of question mark (?) in the given series? D.D
RTD, UXI, XBN, AFS, ? E.F
A.DHY
B.DJX 85. Ganesh is heavier than Suresh. Varun is heavier
C.CKZ than Karan. Arjun is heavier than Ganesh. Which of
D.EJX the following is necessary to decide that who is the
E.None of these heaviest?
A.None more is necessary
82. Ajith moved 6 km to East. Then he moved10 km B.Suresh is heavier than Varun
after turning to his right. He then moved 6 km after C.Karan is lighter than Varun
turning to his right. Again he moved 15 km after D.Arjun is heavier than Suresh
turning to his left. Now in which direction and how far E.Suresh is lighter than Ganesh.
is he from the starting point?
A.15 km, South Directions (86-90): In these questions, certain
B.25 km, South symbols have been used to indicate relationships
C.25 km, North between elements as follows:
D.21 km, South A @ B means P is not smaller than Q.
E.None of these A # B means P is not greater than Q.
A $ B means P is neither greater than nor smaller
83. Arjun started to move in theNorth direction from than Q.
P. After moving 30 m he reached Q, from Q he A + B means P is neither smaller than nor equal to
turned to his left and moved 40 m to reach R. Again Q.
he turned to his left from R and moved 30 m and A % B means P is neither greater than nor equal to
reached S. Now how far is he from the starting point Q.
?
A.10 m 86.

Statements: S + V, V @ N, N $ C Conclusions:
Conclusions: I. T+Q
I. C+V II. H%P
II. S+N III. H+T
III. C+S A.None follows
A.Only II follows B.Only I follows
B.Only I and III follow C.Only II follows
C.Only I follows D.Only III follows
D.Only III follows E.Only II & III follow
E.None of these
90.
87. Statements: R @ Z, Z + K, K $ G
Statements: U # Y, Y + B, B @ F Conclusions:
Conclusions: I. G$R
I. F%Y II. K#G
II. F$Y III. R+K
III. U+F A.None follows
A.None follows B.Only I follow
B.Only I follows C.Only II follow
C.Only II follows D.Only III follow
D.Only III follows E.Only II & III follows
E.Only II & III follow
Directions (91-95): In each of the following questions
88. some statements are given and these statements are
Statements: G @ E, E $ D, D + H followed by two conclusions numbered (I) and (II).
Conclusions: You have to take the given some statements to be
I. D#G true even if they seem to be at variance from
II. G+H commonly known facts. Read the conclusions and
III. D+G then decide which of the given conclusions logically
A.Only II follows follows from the two given statements, disregarding
B.Only I and II follow commonly known facts.
C.Only III follows Given Answer:
D.Only II and III follow a) If only I conclusion follows
E.None of these b) If only II conclusion follows
c) If either I or II follows
89. d) If neither I nor II follows and
Statements: T $ P, P @ Q, Q # H e) If both I and II follows

A.a
91. B.b
Statements: C.c
All Wires are switches. D.d
Some switches are gems. E.e
Some gems are boxes.
Conclusions: 94.
I.Some boxes are switches is a possibility Statements:
II. Some gems are Wires. Some Cats are pets.
A.a Some pets are cute.
B.b Some cute are sweet.
C.c Conclusions:
D.d I.All sweet are cats is a possibility
E.e II.Some pets are not sweets is a possibility
A.a
92. B.b
Statements: C.c
Some locks are keys. D.d
Some keys are weeks. E.e
All weeks are Garden.
Conclusions: 95.
I.Some gardens are locks. Statements:
II.No garden is a lock. All bikes are cars.
A.a No car is van.
B.b Some vans are buses.
C.c Conclusions:
D.d I.Some bikes are van.
E.e II.Some buses are not car.
A.a
93. B.b
Statements: C.c
Some clothes are papers. D.d
All papers are pins. E.e
Some pins are pens.
Conclusions: Directions (96-100): Read the following information
I.Some pens are clothes. to answer the given questions.
II.Some pens are papers

Udaya, Abbas, Vinoth, Mukesh, Rahul, Vasu, group. Which is the one that does not belong to that
Murugan and Wasim are seated in a straight line but group?
not necessarily in the same order. Some of them are A.Vasu
facing South while some are facing North. Rahul B.Vinoth
faces South. Only three people sit to the left of C.Udaya
Rahul. Only two people sit between Rahul and D.Wasim
Abbas. Vasu sits third to the right of Wasim. Wasim E.Rahul
is neither an immediate neighbour of Rahul nor
Abbas. Wasim does not sit at any of the extreme 99. Which of the following pairs represents persons
ends of the line. Both the immediate neighbours of seated at the two extreme ends of the line?
Mukesh face North. Mukesh is not an immediate A.Vinoth, Rahul
neighbour of Wasim. Only one person sit between B.Udaya, Murugan
Mukesh and Udaya. Udaya faces same direction as C.Udaya, Vasu
Wasim. Immediate neighbours of Abbas face D.Abbas, Vinoth
opposite directions (i.e. if one neighbour faces North E.Vinoth, Mukesh
then the other South and vice-versa.) Persons sitting
at extreme ends face opposite directions. Vinoth 100. Who amongst the following sits to immediate
faces a direction opposite to Mukesh. left of Vinoth?
96. Which of the following is true about Murugan with A.Rahul
respect to the given arrangement? B.Udaya
A.Only two people sit between Murugan and Abbas. C.Wasim
B.Only one person sits to the right of Murugan. D.Abbas
C.Vinoth sits second to the right of Murugan. E.Mukesh
D.Vasu is one of the immediate neighbours of
Murugan. Answers:
E.None of the given options is true. 1. Answer: C
the phrase ‘state of amazement’ refers to the word
97. How many persons are seated between Rahul ‘surprise’ hence, it is the correct answer.
and Udaya? 2. Answer: B
A.Four the phrase ‘with a view to’ means ‘purposely’ whose
B.More than four meaning is ‘intentionally’.
C.One 3. Answer: B
D.Three the appropriate word for the phrase is ‘supportive’
E.Two i.e., favourable.
4. Answer: C
98. Four of the following five are alike in a certain here, the correct word for the phrase ‘lies in’ is
way based on the given arrangement and so form a manifests.

5. Answer: D 17. Answer: D
the phrase ‘tip off ‘ resembles conveying advice i.e., ‘distorted-falsified’ is correct in the blank of the
suggests. sentence because its meaning is to deform or
6. Answer: B misrepresent.
the phrase ‘wearing down’ means erosion i.e., 18. Answer: B
deterioration. the correct set of words will be ‘refrain-abstain’
7. Answer: D because their meaning is to keep or hold something
‘inability’ means disabling lack of skill, which is from doing.
suitable for the phrase ‘weak point’. 19. Answer: E
8. Answer: B in the above blank of the sentence, the correct set of
‘all set’ means ready and prepared. words will be ‘essential-crucial’ whose meaning is-
9. Answer: B important or decisive.
‘gathering’ means accumulating and collecting, which 20. Answer: C
is appropriate for the phrase ‘rounding up’. The correct set of words will be ‘announcing-
10. Answer: A introducing’ whose meaning is to present or making
the correct answer for the phrase ‘propped up’ is known.
‘boosted’ because its meaning is to stimulate or 21. Answer: B
strengthen. in part a, the preposition ‘at’ is incorrect, it should be
11. Answer: C ‘on’. In part c, the verb ‘putting’ is wrong in form, it
author doesn’t say or can be concluded anywhere in should be in the first form ‘put’.
the passage that analyst will extinct. 22. Answer:C
12. Answer: D in part b, the helping verb ‘being’ is wrong as the
3 is not given anywhere in the passage. sentence is in future tense, it should be ‘be’. In part
13. Answer: E c, the pronoun ‘those’ is incorrect here, the correct
all of the given sentence are correct according to the will be ‘who’.
passage. 23. Answer:E
14. Answer: D in part b, the verb ‘exited’ is incorrect, it should be in
there is no mention about the reliability of the the first form i.e., exit. in part d, the pronoun ‘their’ is
investors in bank’s research. used for plural noun, whereas in the sentence , the
15. Answer: A noun is singular (president), so it should be ‘his’.
according to the 1 is the most suitable title of the 24. Answer: A
passage. in part a, the article ‘a’ is missing in the phrase ‘a
16. Answer: A number of’. In part d, the verb should be in first form
the correct set of words for the above blank will be i.e., constrict.
‘astonished-puzzled’ as their meaning is to be 25. Answer: A
surprised.

in part a, the verb ‘involve’ is wrong here, it should be relationship

‘involves’ as it is referring to one (most= superlative) -2…. -3/4….3
of the links, not all the links. In part d, the preposition 32. Answer: E
‘in’ is incorrect; it should be ‘of’.
26. Answer: B 3x2 – 2x – 21 = 0
in part a, the definite article ‘the’ is missing before the 3x2 – 9x + 7x – 21 = 0
noun ‘Guptas’. In part c, the adjective ‘recent’ is used Gives x = -7/3, 3
incorrectly. It should be ‘recently’. 6y2 + 17y + 7 = 0
27. Answer: E 6y2 + 3y + 14y + 7 = 0
in part b, use of ‘inside’ is wrong, it should be ‘within’. Gives y = -7/3, -1/2
In part d, ‘disregarding’ should be replaced by 33. Answer: B
‘disregard’ because after ‘to’ we always use the first 3x2 – 13x + 14 = 0
form of the verb. 3x2 – 6x – 7x + 14 = 0
28. Answer: B Gives x = 2, 7/3
in part a, ‘buttress’ should be replaced by 3y2 – 20y + 32 = 0
‘buttressing’. In part c, verb ‘removing’ will be 3y2 – 12y – 8y + 32 = 0
replaced by noun ‘removal’. Gives y = 8/3, 4
29. Answer: B 34. Answer: D
in part a, helping verb ‘have’ should be replaced by 3x2 – 2x – 16 = 0
‘had’. In part c, the verb ‘upgraded’ is wrong in form, 3x2 – + 6x – 8x – 16 = 0
it should be first form ‘upgrade’. Gives x = -2, 8/3
30. Answer: E 3y2 – 20y + 32 = 0
in part b, the pronoun ‘they’ is wrong because it is 3y2 – 12y – 8y + 32 = 0
used for plural noun. it should be ‘it’. In part d, the Gives y = 8/3, 4
noun ‘inconsistency’ is wrong in use. It should be 35. Answer: E
adjective ‘inconsistent’. 5x2 – 16x – 16 = 0

5x2 – 20x + 4x – 16 = 0
Numerical Ability Gives x = -4/5, 4
31. Answer: C 3y2 – 14y + 8 = 0
4x2 – 9x – 9 = 0 3y2 – 12y – 2y + 8 = 0
4x2 – 12x + 3x – 9 = 0 Gives y= 2/3, 4
Gives x = -3/4, 3 36. Answer: A
4y2 + 11y + 6 = 0 Ratio of investments of Meera,
4y2 + 8y + 3y + 6 = 0 Swapna&Rishwi=(1×6+3×6) : 2×12 :3×12
Gives y = -2, -3/4 = (6+18) : 24 : 36
Put all values on number line and analyze the = 24: 24 : 36
=2:2:3

But given that the annual profit of Swapna is Rs.4500 =150+25 = 175 yrs
2 ratio = 4500 Total age of 7 members now = (30*7) = 210 yrs
Then for the total annual profit of partners is Sum of the ages of 2 children = (210 – 175) yrs
7 ratio = 4500 x 7/2 =35 yrs
= 15,750 Let the age of the younger child be x yrs.
37. Answer: A Then age of the elder child = (x+3) yrs
Money spent by Rajesh = Rs.300000 So x=x+3 = 35
Money received by Rajesh = 110% of Rs.300000 2x +3 = 35
=110/100 * 300000 2x = 32
=Rs.330000 X=16
=96/100*330000 Age of younger child is 16 yrs
=Rs.316800 40. Answer: B
Rajesh gains = S.P – C.P Daniel and Sherin will contradict each other when
=330000 – 316800 one speaks truth and other speaks lies.
=Rs.13200 Probability of Daniel speak truth and Sherin lies
38. Answer: B =2/5*3/7
Let sanja’s present age be x yrs =6/35
Then, his age at the time of he got the prize = (x- Probability of Sherin speak truth and Daniel lies
4)yrs =4/7*3/5
Therefore x = 3/2(x-4) =12/35
2x = 3(x-4) The two probabilities are mutually exclusive.
2x = 3x -12 Hence, probabilities that Daniel and Sherin contradict
3x – 2x =12 each other:
X = 12 =6/35 +12/35
Sanjai’s brother age at the time of he got the gold =18/35
medal =18/35*100
=((x-4) – 5) yrs =51.4%
=((12 – 4) – 5) 41. Answer: B
=(12-9) The number of red tiles = 26
3 yrs Green tails = (1/3)*24 = 8
Sanjai’s brother present age = (x+4) yrs Remaining tiles = 16
=3+4 Yellow tiles =16
=7 yrs 42. Answer: B
39. Answer: A Originally, let the number of male and female in a
Total age of 5 members, 5 yrs ago = (30*5) committee be 5x and 6x respectively.
=150yrs Their increased number is (112% of 5x) and
Total age of 5 members now = (150 + (5*5)) (110% of 6x).

(112/100*5) and (110/100*6) 46. Answer: B

=560:660 149.96 x 3.02 - 114.57 x 1.93 = ?
=56:66 150 x3 -115 x 2 = ?
=28:33 450 - 230 = ?
So, the required ratio = 28:33 ? = 220
43. Answer: B 47. Answer: D
Difference = Rs.(416 – 400) 45.04 ÷ 4.97 = ? ÷ 12.99
=Rs.16 45 /5 = ?/13
SI for one year = Rs.(400/2) 9 x 13 = ?
=Rs.200 ? = 117
SI on Rs.200 for 1 year = Rs.16 48. Answer: E
R=100*SI / P*T 135.594 ÷ 7.62 x 2.93 = 75.01% of ?
=100*16 / 200*1 (136/8) x 3 = (75/100) × ?
R=8% 17 x 3 = (3/4) x ?
Hence the difference in CI and SI for 3 rd year = SI on ? = 68
Rs.416 49. Answer: D
=416*8*1/100 75.05% of (289.96 + 142.01) = ? 2
=3328/100 75/100 x (290 + 142 ) = ?2
=Rs.33.28 3/4 x432 = ?2
Total difference = Rs.(16+33.28) 3 x 108 = ?2
=Rs.49.28 324 = ?2
44. Answer: D ? = √324
Interest for the first sum ? =18
= 12000×18×1 /100 50. Answer: B
=2160 7872 + 6997 + 3420 = ?
Interest for the second sum ⇒ ? = 18289
=9750×13.5×1 /100 51. Answer: B
= 1316.25 682.69 + 832.87 = 10009 – ?
Total interest=2160+1316.25=3476.25 ⇒ ? = 10009 – 682.69 – 832.87 = 8493.44
Total sum=12000+9750=21750 52. Answer: E
Required percentage=3476.25×100 / 21750 47.5 × 97.5 × 2 = ?
= 15.98% ⇒ ? = 9262.5
45. Answer: D 53. Answer: A
18.05 x 8.99 - 52.02 = ? 7 1/2 of 220 + 308.65 + ? = 80995
18 x9 - 52 = ? 1 ⇒15/2× 220 + 308.65 + ? = 80995
162 -52 = ? ⇒ 1650 + 308.65 + ? = 80995
? = 110 ⇒ ? = 80995 – 1958.65

= 79036.35 =>47:52
54. Answer: A 63. Answer: C
625.97 × 7.5 + 299.87 = ? – 4632.64 Number of units manufactured by Company E in the
⇒ 4694.775 + 299.87 + 4632.64 = ? year 2006 = 15.4
⇒ ? = 9627.285 total number of units manufactured by in all the years
55. Answer: A together = 92.1
/7, /6, /5, /4, /3, /2, /1 Percent = {15.4/92.1} *100 = 16.72% = 17%
56. Answer: C 64. Answer: A
*2 + 3, *4 +5, *5 +6, *6 +7.. Total number of units manufactured by Company C o
57. Answer: B ver all the years = 78.3
142 – 1 = 195, Total number of units manufactured by Company E o
132 – 2 = 167, ver all the years = 92.1
122 – 3 = 141, Ratio = 261:307
112 – 4 = 117, 65. Answer: C
102 – 5 = 95, Total work to be done in units= 120
92 – 6 = 75, Animesh 1 day work= 5 units
82 – 7 = 57. Mohit 1 day work= 4 units
(or) Three person 1 day work = 10 units
The differences are, 28,26,24,22,20… So,
58. Answer: A Ronit 1 day work = 10-(4+5)=1 units
Difference of difference: 4, 6, 8, 10… Remaining work= 120-(9*12)
59. Answer: C = 12
Difference: -45, -40, -35, -30, -25… Ronitwil do the remaining work= 12/1
60. Answer: C = 12 days
Number of units manufactured by Company E in
the year 2008 = 16.4 Reasoning Ability
Number of units manufactured by Company E in
the year 2007 = 15.7
% increase = [(16.4-15.7)/15.7] = 4.45%
61. Answer: C
= (16.3+15.6)/2 = 15.95
62. Answer: A
Number of units manufactured by Company A and C
in 2005 = 15.8 + 12.4 = 28.2
Number of units manufactured by Company B and D
in 2005= 16.3 + 14.9 = 31.2
Ratio = 282 : 312

∴ Jagat’s total monthly income = Rs. 2050 + 1650 =

Rs. 3700
77. Answer: E
Started time
From I - Computer Science - 8 : 00 a.m.
Economics - 9 : 00 a.m.
From II - Accounts — 11 : 00 a.m.
From III – Commerce – 10 : 00 a.m.
78. Answer: C
Ramya>Dharini
Archana >Bhavani
Now, we have to find that who is taller among Ramya
and Archana.
66. Answer: E From II only— Ramya> Archana
67. Answer: D Thus, Ramya is the tallest.
68. Answer: C 79. Answer: C
69. Answer: A CKH—We are friends
70. Answer: B PKN—They are class-mates I
Directions (71-75): HMS—We love them II
Good – so FC—Hello Friends III
To – ba From II only
Meet – va We - H
You – ja 80. Answer: D
Them – ble G+3=J, J+3=M, M+3=P, P+3=S
Party – zo/fi T-2=R, R-2=P, P-2, N-2=L
The – zo/fi Q-3=N, N-3=K, K-3=H, H-3=E
Invite - ke 81. Answer: B
71. Answer: B R+3=U, U+3= X, X+3= A, A+3= D
72. Answer: A T+4=X, X+4=B, B+4= F, F+4= J
73. Answer: C D+5= I, I+5=N, N+5=S, S+5=X
74. Answer: A 82. Answer: B
75. Answer: E
76. Answer: E
From II— Jagat’s income from other sources = Rs.
2000 + 50 = Rs. 2050
From I and III Jagat’s income = Rs. 1550 + 100 = Rs.
1650

C > V not follows

S > N follows
C > S not follows
87. Answer: B
U ≤ Y, Y > B, B ≥ F
F < Y follows
F = Y not follows
U > F not follows
88. Answer: B
G ≥ E, E = D, D > H
D ≤ G follows
G > H follows
D > G not follows
89. Answer: A
T = P, P ≥ Q, Q ≤ H
Total distance = 10 + 15 = 25 km
T>Q
83. Answer: B H<P
Total distance = 40m H>T
None follows
90. Answer: D
R ≥ Z, Z > K, K = G
G = R not follows
K ≤ G not follows
R > K follows
91. Answer: A
84. Answer: E
On arranging in decreasing weights
A/B> C > D > E > F
Or
B> C/A> D> E> F
85. Answer: B 92. Answer: C
Only option b) necessary to decide who is heaviest
86. Answer: A
S > V, V ≥ N, N = C

93. Answer: D
94. Answer: E 96. Answer: E

97. Answer: D
98. Answer: A
99. Answer: B
100. Answer: C
95. Answer: B

Jammu and Kashmir Bank Clerk Prelims Model Paper 1: English Language

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Jammu and Kashmir Bank Clerk Prelims Model Paper 1

English Language 4. While the Vokkaligas found a strong foothold in

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E.incapability catchy name of MiFID2, have just dealt analysts

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E.All of the above B.Only 2

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18. As the consequences of the historic press D.A-D

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30. The latest verdict is a sequel to the B.B

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initial capital investment. If the annual profit of D.12 yrs

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52. 47.5 × 97.5 × 2 = ? 57. 195, 167, 141, 117, 95, ?, 57

56. 3, 9, 31, 129, 651, ?

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B.Either “zo” or “ble”

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E.None of these B.40 m

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5. Answer: D 17. Answer: D

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in part a, the verb ‘involve’ is wrong here, it should be relationship

in part a, the definite article ‘the’ is missing before the 3x2 – 9x + 7x – 21 = 0

noun ‘Guptas’. In part c, the adjective ‘recent’ is used Gives x = -7/3, 3

incorrectly. It should be ‘recently’. 6y2 + 17y + 7 = 0

27. Answer: E 6y2 + 3y + 14y + 7 = 0

in part b, use of ‘inside’ is wrong, it should be ‘within’. Gives y = -7/3, -1/2

In part d, ‘disregarding’ should be replaced by 33. Answer: B

form of the verb. 3x2 – 6x – 7x + 14 = 0

28. Answer: B Gives x = 2, 7/3

in part a, ‘buttress’ should be replaced by 3y2 – 20y + 32 = 0

‘buttressing’. In part c, verb ‘removing’ will be 3y2 – 12y – 8y + 32 = 0

replaced by noun ‘removal’. Gives y = 8/3, 4

29. Answer: B 34. Answer: D

in part a, helping verb ‘have’ should be replaced by 3x2 – 2x – 16 = 0

‘had’. In part c, the verb ‘upgraded’ is wrong in form, 3x2 – + 6x – 8x – 16 = 0

it should be first form ‘upgrade’. Gives x = -2, 8/3

30. Answer: E 3y2 – 20y + 32 = 0

in part b, the pronoun ‘they’ is wrong because it is 3y2 – 12y – 8y + 32 = 0

noun ‘inconsistency’ is wrong in use. It should be 35. Answer: E

adjective ‘inconsistent’. 5x2 – 16x – 16 = 0

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(112/100*5) and (110/100*6) 46. Answer: B

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∴ Jagat’s total monthly income = Rs. 2050 + 1650 =

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C > V not follows

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94. Answer: E 96. Answer: E

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(112/1005) and (110/1006) 46. Answer: B