KERALASTATECSEB

JUNIORCLERK
(CO-OPERATI
VESOCI
ETI
ES/BANKS)

27-03-2022

QUESTI
ON PAPER

CODE
D
Code No.: 2002/2022 Time 2 Hours
Question Booklet
D 160 questions carrying
Alpha Code % mark each

Choose the correct meaning from brackets for the following:

1. Harbinger
A) Capture B) Loss
C) Hint D) Gift
2. Stalemate
A) Deadlock B) Freedom C) Stop D) Movement
Choose the correct
synonym from brackets for the following:
3 Abate
A) Diminish
B) Highlight
C) Aggravate D) Postpone
4. Radiance
A) Danger B) Darkness
C) Beauty D) Awkward

Choose the correct tense of the verb from brackets for the following:

My grandmother always (take) bath in hot water.

A) take B) takes C) is taking D) none of these

Educational institutiorns (reopen) next week.

A) reopen B) reopens C) will reopen D) none of these

1. She (wake up) at 5 O'clock every day

A) wake up B) wakes up C) will wake up D) shall wake up

(study) for Engineering Course now

8. My son

A) studies B) is to study C) is studying D) none of these

He (possess) the latest edition of the dictionary.

9
A) possesses B) possess C is possessing D) none of these

10. He (visit) the Holy Church in 2005.

A) visit B) visits C) has visited D) visited

D 2 2002/2022
11. He already (sell) his house to overcome the financial crunch.
D) will sell
A) sold B) has already sold C) has to sell

12. The neighbour argues as if he (be) an authority.

shall be
C) will be D)
A) were B) was

13. If it rains, the programme (be) cancel.

will be cancelled
A) shall be cancelled B)
none of these
C) is to be cancelled D)

examination.
14 If he had worked harder, he (pass) the
would have passed B) passes
A)
D) will pass
C) passed

Choose one word from brackets for the following:

15. A place where birds are kept

D) None of these
A) Aviary B) Asylum C) Apiary

16 The first performance on stage

Debut C) Performer D) none of these
A) Novice B)

Choose the correct antonym from brackets for the following:

17. Queer

A) Common B) Strange
C) Deep D) Surface

18. Sham

A) Coward B) Sincere
C) Lie D) Pretend

Choose the correct preposition from brackets for the following

19. He works as Manager a rubber plantation.

A) in B) at C) on
D) for

20. The baby is sleeping- the cradle.

at B) in C) within D)
A) inside

3
D 2002/2022
21 Who has won 2021 Ezhuthachan Puraskaram
A) Sara Joseph B) P Valsala
C) Sudha Murthy D) None of these

22. Who is the current union Law Minister of India?

A) Kiren Riju B) Nirmala Seetharaman
C) Arjun Munda D) None of these

23 Who discovered the blood circulation system of human body?

A) Alexander Fleming B) Edward Jenner
C) Hansen D) William Harvey

24 What is the total number of districts in Kerala without cost line?

A) Six B) Five C) Seven D) Ten

25. Capital of Ireland

A) Manchester B) Dublin C) Birmingham D) Britannica
26. The logo "Kerala God's own country" is conceived by
A) Walter Mendez B) James Mendes
C) Salim Ali
D) None of these waya A.

27 Finance Commission is constituted under

article -

of the Constitution of India.

A) 270 B) 280 C) 226
D) 245
28 Which animal breathes through the skin?
A) Snake B) Frog
C) Tortoise D) Dolphin
29 First General elections were held in which year in India.
A) 1950 B) 1952 C) 1953
D) 1951
30. Chief election commissioner of lndia.
A) Sushil Chandra
B) Sunil Aroraa
C) N.K. Singh
D) None of these
31. The National Highway passing through Thiruvananthapuram city?
A) NH 544
B) NH 66
C) NH 183
D) NH 744

32. Which commission was appointed by the Central Government to examine issues
relations? related to Centre-State

A) Kothari Commission B) Nanavathi Commission

C) Sarkaria Commission
D) Mandal Commission

2002/2022
33 Anamudi, the highest peak in Kerala is in the Taluk of

A) Devikulam B) Peerumedu
C) Kumali D) Udumbanchola

34
34. Which city is the silicon valley of India?

A) Mumbai B Delhi C) Hyderabad D) Bengaluru

35. Where is India's first National Geopark instituted?

A) Varkala B) Mumbai C) Bengaluru D) Alappuzha

36 Which is the lightest metal?

A) Calcium B) Barium C) Lithium D) Sodium

37. Head quarters of the Kerala Institute for Local Administration.

A) Thiruvananthapuram B) Calicut

C) Thrissur D) Ernakulam

38. Which of the following planet is known as winter planet?

A) Uranus B) Jupiter C) Mars D) Neptune

39 The author of "Kerala Pazhama"

A) Kunjan Pillai B) Pachu Muthu O M-

C) William Logan D) Herman Gundert
R
40 International Yoga day
A) June 21 B) July 21 C) April 21
41 Which word will appear third in the D) May 21
dictionary order?
A) Sentimentalize B) Sententious C) Sentimentally D) Sentinel
42 Town D is to the West of town M. Town R is to the
South of town D. Town K is
Town K is towards which direction of town D? to the East of town R.

A) South B) East
C) North East D) South East
43 In a
post-office, stamps of three different
denominations of Rs. 7, Rs. 8, Rs. 10
amount for which one cannot buy stamps is
are available. The exact
A) 19 B) 20
C) 24 D) 28
D
2002/2022
44 Select a suitable figure from the four alternatives that would complete the figure matrix

(1) (2) (3) 4)

A) 1 B) 2 C) 3
D) 4
45. Select a suitable figure from the four alternatives
that would complete the figure matrix;

AA

AX (1) 2) (3) (4)

A) 1
B) 2
C) 3
46. D) 4
Needle: Thread:: Pen: ?
A) Ink
B) Cap
C) Paper
47. If Anil says D) Word
"Ajay's mother is the only
A) Father
daughter of my mother". How is Anil related to
B) Brother Ajay?
C) Uncle
D MO
D) None of these
9
2002/2022
 Satuvdh S
48 "Bank" is related to "Money" in the same ways "Transport"' is related to

A) Goods B) Road C) Movement D) Traffic

49 If the day before yesterday was Saturday, what day will fall on the day after tomorrow?

A) Friday B) Thursday C) Wednesday D) Tuesday

50. 23567s
If the digits in the number 25673948 are arranged in ascending order from left to right, what will be the
sum of the digits which are fourth from the
right and third from the left in the new arrangement?
A) 10 B) 9 C) 6 D) 8

51. If the 2 of the month falls on Sunday, at day will the 31 of that month be?
A) Tuesday B) Saturday C) Friday D) Monday
52. Choose the correct alternative from
the given one that will complete the series
25.9, 19,37, 2
A) 73 B) 75 C) 76
D) 78
53. In a certain code language "POLISH" is written as "MLIFPE". How will "BIG" be written in that
A) BGD code?
B) YFD C) EAF D) ZFD
54. "BD is related to "DH in the same way "M0" is
related to?
A) PR
B) QR
C) OS
D) OP
55. Choose the correct alternative
from the given one that will complete the series
16.12
A) 26
4699
5 B) 24
C)28 D) 23
56 A series is
given with one term
complete the series missing. Choose the correct
alternative from the given
21 4 |024* one that will
5,11,24.51. 106. 2
A) 122 Z2
B 217
C) 120
57. A series is
D) 153
given with one term missing. Choose
complete the series ? the correct alternative
from the given one that will
68,72, 65, 69, 62, 66,?
A) 3 59
B) 61
C) 68
6.
D) 75
Choose the correct
alternative from the given one that will
CMM, EOO, GQQ, ? . KUU complete the series
A) GRR
B) GSS
C) ISS ITT
D)
D
11 2002/2022
59 If LEMON is written as OVNLM how can MELON be written in the same way?
A) NVOML B) LMNOV C) NVOLM D) NVLOM

60. Man Biography: Nation ?

A) Leader B) People C) Geography D) History
61. The first Central Minister of
Co-operation of India is
A) Raj Nath Singh
B) Narendra Singh Tomner
C) Amit Shah
D) None of these
62. Full form of CEMASis
A) Co-operation Education Materials Arrangement Service
B) Co-operation Education Materials Advanced Service
C) Co-operation Education Materials Advisory Service
D) Co-operation Education Management Arrangement Service
63. Co-operation became a state subject in
A) 1904
B) 1913
c) 1951
D)
64. 1919
The Kaira District Milk
Producers Union was formed in the year
A) 1946
B) 1950
C) 1915
65. NBS bulletin is the
D) 1912
monthly news bulletin published by
A) NABARD B) NCDC
C) SPCS
66 Where was the
D) NCCT
origin of folk
high school?
A) Denmark B) Germany C) England
67 D)
Liability Register is usually None of these
maintained in-
A) Credit societies.
B) Consumer C) Marketing
68 D) Processing
Co-operatives are very strong in Sweden
-

A) Processing
69. India celebrated B) Credit
C)
Co-operative Week in 2021 Consumer
-

A) 68th D) Marketing9
C) 69th B) 67th

70 "INDUSCOS" is D) 56th
related to
A) Russia Co-operative Movement in
C) China B) Sweden
D D) None of these
13 2002/2022
71 In which year Matsya Fed was established?
A) 1969 B) 1972 C) 1984 D) 1995

72 Surabi is the showroom of

A) Handicraft Apex Co-operative Society Handloom Weavers Society
B)
C) Fisheries Society
D) Sericulture Society

73. Which society created Thrift fund?

A) Handloom Weavers Society PACS
B)
C) Diary Societies Consumer Society
D)

74 Where is the Head Quarters of IFFCO?

A) Gujarat B) New Delhi
C) Mumbai
D) Pune

75. Who prepared the technical enquiry report in PCARDB?

A) President
C) B) Secretaryy
Valuation Officer
D) Agriculture Officer
76 APCOS in Kerala falls under the
A)
category of
Unitary Type
C) Three tier B) Two tier
D) Mixed type
77. Head quarters of KERAFED
A) Cochin B)
Thiruvananthapuram C) Allapuzhha
78 Trade
D) Kayamkulam
deposit is accepted by-
A) Credit SOciety.
B) Consumer C) Marketing
79 Name the only D) Milk
insurance
A) CAPEX Co-operative Society in Kerala
B) COINS
C) SPCS
80 "Sahakarana Veedhi D) Costech
is
A) State Government
a
monthly magazine published
by
C)
Co-operative department, Kerala B) State Co-operative Union
D) State Co-operative Bank
81.
RAIDCO is
A)
engaged in the distribution of -

Ayurvedic machinery.
C) Agro B) Arecanut
D D) Meat Processing

15 2002/2022
82 The- implemented the operation flood programme.
A) NCDC B) NCHF NDDB
C) HDFC D)
83 was recommended by Swaminathan Committee.
A) BIRD B) NCCT ACSTI None of these
C) D)

84. Who is the Registrar of Industrial Co-operatives in the State?

A) Registrar of Co-operative Societies Govt. Secretary Industrial Department
B)
C) Director of Industries
D) None of these

85. The collective settlements in lsrael were known as

A) Kolkoz B) Uni-cop C) Kibbutz KF.

D)
86 Minimum number of persons required to
register a workers industrial co-operative society is
A) 50 B) 25 10
C) D) 05
87 general body shall admit members.
A) Special B) First
C) Last D) Representative
88 According to Rule 15 of KCS Rules a society is classified on the basis of its
A) Working Capital B) Profitability
C) Principal object
D) Performance
89. The chief executive of the State
Co-operative Union shall be an officer not below the rank of
A) Additional Registrar
C) B) Assistant Registrar
Deputy Registrar
90. conduct the election of
D) Joint Registrar
representative general body.
A) Registrar
B) Managing Committee
C) State Co-operative Election Commission
D) Apex federation

91. Past performance of a co-operative society shall be evaluated on the basis of its
A) Profitability
C) B) Dividend
Working capital
D) Volume of reserve fund
92.
Normally the chief executive of the society shall
keep election material for a period or
A) Two months
C) Three years B) Three months
D) Twelve years

D 2002/2022
17
 Education Fund
maximum
shall be the
93 Rupees
C) 60,000 D) 70,000
B) 50,000
A) 40,000

calculated on the basis of

credit society
Audit fee of primary Gross Profit
94. B)
A) Net Profit
D) Working Capital
Gross Income

57B deals with

95. KCS Act Section Deposit guarantee scheme
Pension Scheme
B)
A) Provident Fund Scheme
D)
C) Gratuity
evidence of the registration of a co-operative society
shall be the conclusive
96 B) Registered office
A) Registered bye-law
Registration certificate
Seal D)
C)
bank within
The share money collected for the formation
of new society should be deposited in
97.
One Year D) 2 working days
A) 7 days B) 14 days C)

98. Ifa member acted against the interest of the society he shall be expelled by
Managing committee B) Chief executive
A)
C) General body D) President

99 The liability of a past member shal continue for a period of -

from the date on which he
ceased to be a member.
A) 60 days B) Two years C) One year D) 90 days

100. If there is no paid secretary, the duty to arrange to keep cash balance is vested with
A) President B) Managing Committee member
C) Sale Officer D) Auditor

101. The quorum for the managing committee of a co-operative society is -

A) As per bye-law B) 25 C) Just above 50% D) 50%

102. State co-operative election commission constituted by-
A) Central Government
B) Registrar
C) Chief election commissioner
D) State Government

103. The period of managing committee of a co-operative society shall be five years from the date of
A) Election to the committee
B) Taken charge
C) Expiry of the term of the
previous committee D) Election of President

D
19 2002/2022
 % of net profit.
fundis
stabilization D) 15
credit C) 10
104. Agricultural 7
B)
5 the administrative control of
A) Section 68A of KCS Act is
under

appointed as per
Viailance
officer
15
Government

A)
Tribunal
B)
C) Registrar
bureau
anti-corruption
Vigilance and
D)
towards the surcharge.
is the first step Inspection
106. B)
A) Audit D) Enquiry
C) Supervision
duty of-
society is the statutory B) Managing committee
107. Audit of co-operative
A) General body Chief executive
D)
C) Registrar
the
is to be filed before
an award under Section 70
108. An appeal against B) Government

A) Tribunal Arbitration court

D)
C) Registrar
to windup the affairs of co-operative
society is called
109. An officer who is appointed
B) Arbitraton
A) Sale Officer
D) Liquidator
C) Ombudsman

110. Generally the area of operation of a Circle Co-operative Union shall be

Entire State B) One district
A)
More than one taluk D) One taluk
C)
- receipt.
111. 'Legacy' is a
A) Revenue B) Capital
C) Miscellaneous D) Operative
112. The book of original entry of a Co-operative Society is
A) Subsidiary book B) Day Book
C) General Ledger D) Special Ledger
113. ratio indicates the efficiency of the production or trading operations.
A) Gross Profit B) Net Profit
C) Inventory D) Non-operating
114. The depreciation method generally followed in Co-operative accounting
A) Re-valuation B) Annuity
C) Global D) Depreciation Fund

D 21 2002/2022
115. Incorrect allocation of expenditure is a error
-

A) Principle B) Omission

C) Clerical D) Duplication
116. In the case of "Del credere" commission, the liability for is on consignee.

A) Debtors B) Bad debts

C) Advertisement D) Stock
117. "Cash discount' is allowed by

A) Seller B) Wholesaler
C) Debtor D)Creditor
118. EOQ relate to control of
A) Labour
B Material
C Sales
D) Purchases
119. Difference between current assets
and current liabilities
A) Capital B) Working capital
C) Reserve capital
D) Profit
120. Which one of the
following is different from others?
A) Import duty
B) Octroi
C) Repairs
D) Carriage
121. A credit note is
prepared by
A) Seller B) Buyer C) Debtor
122. What will be the effect D) Consignor
of "Salary Paid" in
A) Decrease in cash and
accounting equation
decrease in liability
B) Decrease in cash and increase in
C)
liability
Decrease in cash and
decrease in capital
D) Decrease in cash and increase in capital
123. In
fulfiiment of concept, contingent liabilities are
A) Matching shown outside the balance
sheet.
) Full disclosure B) Dual aspect

124. Under D) Entity

method of
A)
depreciation the value of assets does not
Mileage bring to zero.
C) Re-valuation B) Fixed instalment
D) Diminishing balance
D
23
2002/2022
 final accounts
balance its place in
trial
inside the
expenses
given
125 f outstanding Assets Side
Balance
Sheet
A) Side
Liability
Balance Sheet
B) debit side
account
C)
C) Profit and Loss
account
credit side
D) Profit and Loss
account

free samples
debited to Purchases
distributed as
126. Goods B)
Advertisement

A) Stock D)
C) Sales

account.
account is a
-

Disbursement
127. Receipt and Real
B)
A)Personal Artificial Person
D)
C) Nominal

of forfeited shares
is transferred to
re-issue
128. Profit on Share Capital
account
B)
A) Profit and Loss D)
Capital Reserve
General Reserve
C)

not show
129. Balance Sheet does Wasting Assets
B)
A) Goodwill Secret Reserve
D)
Reserve fund
C)
called
the basis of output is
130. Wages paid on

B) Time Wages
A) Piece Wages
D) Incentive Wage Plan
C) Daily Wages

will be shown
131. Unclaimed dividend
Income side of P & L
account B) Assets side of Balance Sheet
A)
Liability side of
Balance Sheet D) Capital Reserve
C)

132. Admission fee of a Co-operative

Society is a -

- income.

A) Capital B) Revenue

C) Operative D) Deferred Revenue

133. The maker of a bill of exchange is usually the

A) Creditor B) Debtor
C) Acceptor D) Buyer

D 25 2002/2022
 is
submitted by Consignee to Consignor
Sales'
'Account

m e n t 'A
c o n s i g nment B)
D e b t o r t o Creditor
In Consignor to Consignee
134.
D)
A)
Principal to agent
C) calculated
on
depreciation
is
method, Original Cost
balance
Under diminishing B)
135. Market Value
Book Value D)
A)
Scrap Value
C)
2009
Government
of India in D)
FUI-IND w a s
set up by the
C) 2008
136.
B) 2005
A) 2004
Rs. 50,000
must not
exceed
D)
balance in No Frill
Account
C)
C) Rs. 30,00
137. The
Rs. 25,000 not less
B) of
Rs. 20,0000 original maturity
A) or
bonds with
initial or
debentures
unsecured
issue
Bank may
10 years
138. A Co-operative
D)
7 years
than C)
5 years
B)
A) 3 years
fora special crossing
necessary
is absolutely "and co"
of the following the word
139. Which one
B)
transverse
line words "not negotiable"
two parallel D)
A)
name o f banker
C)
banking product?
is a retail
of the following Home loan
140. Which one B)
Export credit
term loan D)
Corporate
A) Working capital finance
banks?
C) lnfrastructure for rural
the Core Banking
had set up
Which one of the following B) RBI
141.
D) SIDBI
A) BA
NABARD
C)
regulated by
Funds in India is SEBI
142. The Mutual B)
SIDBI D) RBI
A)
FRBI
C) borrowers is called
can lend to its
bank
which no B) Prime Rate
below at
143. The rate
Repo Rate
A)
Base Rate D)
2002/2022
Bank Rate
C)
27
 Which bank introduced first ATM in India?
144.
A) SBI
B) ICICI
C) HDFC
D) HSBC

145 To boost public sector investments in Agriculture and Rural Infrastructure RIDF was set
in up by NABARD
A) 1981-82 B) 1982-83
C) 1995-96 D) 1999-2000

146. A
mortgage is
A facility created on movable property for a
A loan received by a bank
B) A security created on immovable property for a deposit received by a bank

C) A Security created on movableproperty for a loan from a bank

D) A Security created on immovable property for a loan given by a bank

147. Which one of the following is known as banker's cheque?

A) Debit card B) Credit card
C) Bankers' Draft D) Pay Order

148. Which one of the following is not an afiliate of RB1?

A) DICGC B) Bad Bank
C) IDBI D) ARC

149. What is a Scheduled Co-operative Bank?

A) A Co-operative Bank included in the ll Schedule of the RBI Act

B) A Co-operative Bank included in the 2 Schedule of the BR Act

C) A Co-operative Bank included in the ll Schedule of the BR Act

D) A Co-operative Bank included in the ll Schedule of the RBI Act

150. The New Development Bank is operated by BRICS ie Brazil, Russia, India, China and

A) South Africa B) Saudi Arabia

C) Sweden D) Spain
151. Currency Notes deposited in the currency chest are the property of

A) SBI B) Respective Bank C) Govt. of India D) RBI

Governors are there in RBI?
152. How many Deputy
B) 4 C) 3
A) 5 D) 2

153. Which one of the following types of accounts is known as Demat Accounts?
Zero Balance Account
A)
B) Accounts which are opened to facilitate repayment of a loan taken from the bank

C) Accounts in which shares of various companies are traded in electronic forum

D) Accounts which are operated through internet banking facility

D 29 2002/2022
 the banker and customer is that of
relationship between
154 The primary
B Lesser and Lessee
Principal and agent
A)
D) Debtor and Creditor
Trustee and beneficiary
C)
bank can accept term deposit is
155. The minimum period for which a

B) 15 days
A) 7 days
D) 45 days
C) 30 days
crores but less than Rs. 2,000 crores as
having
Banks total assets of over Rs. 1,000
156. Urban Co-operative from
based asset classification
on 31.3.2020 were required
to implement system
September 30, 2021
June 30, 2021
B)
A)
D)March 31, 2022
C) December 31, 2021 banker, customer
valuables and documents
froma customer for safe custody,
157. When a Banker accepts
relationship is
Creditor Debtor
B)
A) Principal- Agent
Bailee Bailor
Lessee Lessor
D)
C)
in which one of the following
not conduct enhanced due deligenet
158. Under KYC guidelines banks need
Non-face to face customers
A)
B)
B) Trustees and Nominees

Personal customers with small

amount of deposits
C)
D) Firms with sleeping partners
interest credit or deductions of
witnessed transactions (credit or debit except
hasn't any
159. In an SB account
more than two years,
the account is declared as
service charges) for
B) Dead account
Inactive
A) Freeze
D)
C) Inoperative

means
160. Money laundering
make them legitimate
conversion of assets into cash to
A) legitimate
obtained to make them
conversion of money which is illegally
B)
make them legitimate
conversion of cash into gold to
C)
all of the above
D)
2002/2022

31
D