S.No. Chapter Name Page Nos. - IACEiace.co.in/pdf/2-November-17 (Magazine).pdfCONTENTS S.No. Chapter...

CONTENTS

S.No. Chapter Name Page Nos.

1. Bharatmala Pariyojana 1 – 2

2. Recapitalization of Public Sector Banks 3

3. Domestically-Systemically Important Banks (D-SIBS) 4 – 6

4. Shell Companies 7

5. ILO–Walk Free Foundation Report 8

6. Catalona is Not a Spain 9

7. Government Policies 10 – 11

8. RBI and Banking 12 – 18

9. International News 19 – 22

10. National News 23 – 31

11. Science and Technology 32

12. Military Exercises & Defence Technology 33

13. Appontments 34

14. First Achievements 35

15. Awards 36

16. Indexes & Committees 37

17. Sports 38

18. Summits (Oct-2017) 39

19. Important Books and Authors 39

20. Important Days 40

21. IBPS RRB Office Assistant Mains - Model Paper 41-58

22. IBPS Clerk Prelims - Model Paper 59-68

INTERNATIONAL AIRPORTS (INDIA) S. No. International Airport (IA) City

1. Shaheed Bhaghat Singh Chandigarh

2. Guru Ram Daas Ji Amritsar

3. Chaudhary Charan Singh Lucknow

4. Lal Bahadhur Shastri Varanasi

5. Loknayak Jayaprakash Narayan Patna

6. Netaji Subash Chandrabose Kolkata

7. Lokpriya Gopinath Bardoli A Guwahati

8. Birsa Munda Ranchi

9. Swami Vivekananda Raipur

10. Biju Patnaik Bhubaneshwar

11. Raja Bhoj Bhopal

12. Devi Ahalya Bai Indore

13. Gaya International Airport Gaya

14. Sardar Vallabhai Patel Ahmedabad

15. Indira Gandhi New Dehi

16. Kempegowda Bengaluru

17. Anna Durai Chennai

18. Kshatrapati Shivaji Navimumbai

19. Dr. B.R. Ambedkar Nagpur

20. Maha Rana pratap Udaipur

21. Rajiv Gandhi Hyderabad

22. Vijayawada Vijayawada

23. Teju Teju (Arunachal Pradesh)

24. Tribhuvan Katamand (Nepal)

25. Suvarna Bhoomi Bankok (Thailand)

Current Affairs November 2017 – Digest

1 IACE (Indian Academy of Competitive Exams) www.iace.co.in Toll Free: 1800-270-9975, Ph: 9533200400

1. BHARATMALA PARIYOJANA (linkage to 550 Districts and be a Major Driver for Economic Growth in the Country)

The Minister of Road Transport & Highways, Shipping, Water Resources, River Development and Ganga Rejuvenation Shri Nitin Gadkari has said that highways works worth Rs 8 lakh crore will begin before the end of 2018 under the Bharatmala Pariyojana. He was speaking to media persons in New Delhi today, a day after the Cabinet Committee on Economic Affairs, chaired by the Prime Minister Shri Narendra Modi approved Phase I of Bharatmala Pariyojana. Bharatmala is a new umbrella program for the highways sector that focuses on optimizing efficiency of road traffic movement across the country by bridging critical infrastructure gaps.

Shri Gadkari said that Bharatmala will be a major driver for economic growth in the country, and help realize Prime Minister Shri Modi’s vision of a New India. He said the programme has been designed to bridge the gaps in the existing highways infrastructure so as to make the movement of man and material more efficient. Special attention has been paid to fulfill the connectivity needs of backward and tribal areas, areas of economic activity, places of religious and tourist interest, border areas, coastal areas and trade routes with neighbouring countries under the programme.

The Minister also said that Bharatmala will give the country 50 national corridors as opposed to the 6 we have at present. With this, 70 – 80 percent of freight will move along NH as against the 40 percent at present. The programme will help to connect 550 Districts in the country through NH linkages. Currently, only around 300 Districts have NH linkages. Bharatmala will also have a positive impact on the Logistic Performance Index (LPI) of the country. Apart from this, the Minister said the programme will also help generate a large number of direct and indirect employment in the construction activity, the development of highways amenities and also as part of the enhanced economic activity in different parts of the country that will result from better road connectivity .

A total of around 24,800 kms are being considered in Phase I of Bharatmala. In addition, Bharatmala Pariyojana phase –I also includes 10,000 kms of balance road works under NHDP, taking the total to 34,800 kms at an estimated cost of Rs.5,35,000 crore. Bharatmala Phase I – is to be implemented over a five years period of i.e. 2017-18 to 2021-22. Components of Phase I and estimated expenditure are as follows:

S.No. Components Length -km Outlay-Rs. crore

1. Economic corridors development 9,000 1,20,000

2. Inter-corridor & feeder roads 6,000 80,000

3. National Corridors Efficiency improvements: 5,000 100,000

4. Border & International connectivity roads 2,000 25,000

5. Coastal & port connectivity roads 2,000 20,000

6. Expressways 800 40,000

Total: 24,800 385,000

Balance road works under NHDP 10,000 1,50,000

Total 5,35,000

Bharatmala envisages improving the efficiency of the National Corridor (Golden-Quadrilateral and NS-EW corridor) by decongesting its choke points through lane expansion, construction of ring roads, bypasses/ elevated corridors and logistics parks at identified points. Around 5,000 kms of the National Corridor will be taken up in Phase-I of Bharatmala at an estimated cost of Rs 100,000 crore.

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The programme has identified around 26,200 km of Economic Corridors or routes that have heavy freight traffic, of which 9,000 kms are being taken up for development in Phase-I at an estimated cost of Rs 1,20,000 crore. It is planned to develop these corridors end to end to ensure seamless and speedy travel and uniformity in standards. Besides this, around 8,000 km of Inter-Corridors and around 7,500 km of Feeder Corridors have also been identified under Bharatmala, of which around 6000 km will be developed in Phase I at an estimated cost of Rs 80,000 crore. Stretches of roads connecting more than 2 corridors are classified as Inter-Corridors routes, while other routes connecting to 1 or 2 corridors are termed as Feeder Corridors. These corridors will be developed so as to address the infrastructure asymmetry that exists at many places .

Bharatmala also envisages building 3300 kms of Border Roads of strategic importance along international boundaries and 2000 km of International Connectivity roads to promote trade with Nepal, Bhutan, Bangladesh and Myanmar . Out of this around 2000 km will be taken up under Phase-I at an estimated cost of Rs 25,000 crore.

In addition to the above, around 2,100 km of coastal roads and 2000 km of port connectivity roads have been identified under Bharatmala of which 2,000 kms are being taken up under Phase-I at an estimated cost of Rs20,000 crore. About 1,900 km of stretches have been identified for development of green-field expressways of which around 800 kms will be taken up under Phase-I of the programme at an estimated cost of Rs.40,000 crore. The 10,000 km of balance road work under NHDP will be completed at a cost of Rs 1,50,000 crore.

The identification of the project stretches under the various components of Bharatmala has been done based on detailed O-D(Origin-Destination) study, freight flow projections and verification of the identified infrastructure gaps through geo mapping, using data from Bhaskaracharya Institute for Space Applications and Geo-Informatics (BISAG) as well as from other sources. This O-D study has also taken into account integration of economic corridors with the ongoing projects under NHDP and infrastructure asymmetry in major corridors.

In addition to Rs. 5,35,000 crore for Bharatmala Phase-I, there is a requirement of Rs. 1,57,324 crore for ongoing schemes like NH(O), SARDP-NE, EAP

and LWE under implementation in the Highways Sector. Thus, the overall outlay for Bharatmala and all existing schemes put together will be Rs 6,92,324 crore over a period of 5 years. Gross Budgetary Support for the Bharatmala program and existing schemes from 2017-18 to 2021--22 will be restricted to Rs. 2,37,024 crore from Central Road Fund (CRF), Rs 59,973 crore as Budgetary support, Rs. 34,000 crore from expected monetization through ToT route and Rs. 46,048 crore collected as Toll-Permanent Bridge Fee Fund (PBFF) by NHAI.

Projects under Bharatmala Phase-I are to be implemented through NHAI, NHIDCL, MoRTH and State PWDs. Provision has been made for effective delegation in appraisal /approval of individual project stretches. Effective delegation has been made in appraisal /approval of individual project stretches

(a) All PPP BOT (Toll) projects where no grant (or VGF) is given to the concessionaire and the construction and maintenance is financed by toll revenues will be appraised and approved by the Board of NHAI.

(b) All EPC projects implemented by NHAI will be approved by NHAI Board after proper appraisal, within the budgeted financial resources approved under this program.

(c) NHAI Board will be authorized to suitably delegate its powers on appraisal and approval of projects within NHAI.

All projects implemented under Bharatmala are to be technically, financially and economically appraised by an empowered Project Appraisal &Technical Scrutiny Committee to be setup in NHAI and MoRTH.




2. RECAPITALIZATION OF PUBLIC SECTOR BANKS

1. Capital: The money which generation income / wealth is called capitals. The types of capitals (a) Debt capitals (b) Equity capitals (c) Working capitals

2. Debt Capital: The capital is mobilized through loans from Banks, family members or friends etc. These loans are repaid after period time.

3. Equity Capitals: The equity capital means company issues shares, in this way capital mobilized, and there is no need to repay because share holders will get profits on shares.

4. Working Capital: Working capital is the difference between company total assets minus debts of company. Working capital = Total Assets of Company – Debts of Company The working capital is required to perform daily functions.

5. Recapitalization: The Infusion of Money to strengthen balance short is recapitalization. 6. Recapitalization of Public Sector Banks

The non-performing Assets (NPA) of Bank reached to 7.33 lakh crs as on June 2017. Because of NPA asset quality of Bank is eroding and showing negative impact on economy. To absorb risks, Banks should maintain capital adequacy (CAR) as per Basel III norms. Basel III norms mandated 11.5% of CAR by March 31, 2019. For this purpose public sector banks requires capital. Based norms III Tier I capital 7% Tier II capital 2%

Capital conservation Buffer 2.5% CAR 11.5% by March 31, 2019.

To reach target of Basel III norms target Govt. of India infusing capital to Public sector banks since 2015 onwards.

2015-16 25,000

So far Govt. of India provided Rs. 58,000 Crore out of 70,000 crore

2016-17 25,000 2017-18 10,000 2018-19 10,000

70,000 October 24th 2017 Government of India Estimated Public Sector Banks requires 2.11 lakh crs for next 2 years to

implement Basel III norms. Government of India Providing Rs.76,000 crs through budgetary support out of Rs. 2.11 lakhs. and remaining

1.35 lakh crs by Banks through bonds.

Total Money provided by GOI to Public Sector Bank since 2015. (58,000 (old) + 76,000 (New) = 1.34 crore (2015 – 2019).




3. DOMESTICALLY-SYSTEMICALLY

IMPORTANT BANKS (D-SIBS)

INTRODUCTION A few banks assume systemic importance due

to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness. The disorderly failure of these banks has the propensity to cause significant disruption to the essential services provided by the banking system, and in turn, to the overall economic activity. These banks are considered Systemically Important Banks (SIBs) as their continued functioning is critical for the uninterrupted availability of essential banking services to the real economy. LESSONS FROM RECENT FINANCIAL CRISIS

It was observed during the recent financial crisis that problems faced by certain large and highly interconnected financial institutions hampered the orderly functioning of the financial system, which in turn, harmed the real economy. Government intervention was considered necessary to ensure financial stability in many jurisdictions. Costs of public sector intervention and consequential increase in moral hazard required that future regulatory policies should aim at reducing the probability of failure of SIBs and the impact of the failure of these banks.

As a response to the recent crisis, a series of reform measures were unveiled, broadly known as Basel III, to improve the resilience of banks and banking systems. Basel III reform measures include increase in the quality and quantity of regulatory capital of the banks, improving risk coverage, introduction of a leverage ratio to serve as a backstop to the risk-based capital regime, capital conservation buffer and countercyclical capital buffer as well as a global standard for liquidity risk management. These policy measures will cover all banks including SIBs. However, these policy measures are not adequate to deal with risks posed by systemically important banks. Therefore, additional policy measures for SIBs are necessary to counter the systemic risks and moral hazard issues posed by these banks, which other policy reforms do not address adequately

THE METHODOLOGY TO BE ADOPTED BY RBI TO

IDENTIFY D-SIBS The process of assessment of systemic

importance of banks will be a two-step process. In the first step, sample of banks to be assessed for their systemic importance will be decided. It is felt that systemic importance of all the banks need not be computed as many smaller banks would be of lower systemic importance and burdening these banks with onerous data requirements on a regular basis may not be prudent. Hence the sample of banks for identification of D-SIBs may exclude many smaller banks. Once the sample of banks is selected, detailed study to compute their systemic importance could be initiated. Based on a range of indicators, a composite score of systemic importance for each bank in the sample will be computed. The banks having systemic importance above a threshold will be designated as D-SIBs. D-SIBs would be segregated into different buckets based on their systemic importance scores, and subject to loss absorbency capital surcharge in a graded manner depending on the buckets, in which they are placed. A D-SIB in lower bucket will attract lower capital charge and a D-SIB in higher bucket will attract higher capital charge. SAMPLE OF BANKS

The banks will be selected for computation of systemic importance based on the analysis of their size (based on Basel III Leverage Ratio Exposure Measure) as a percentage of GDP. The banks having size as a percentage of GDP beyond, 2% will be selected in the sample of banks. As foreign banks in India have smaller balance sheet size, none of them would automatically get selected in the sample. However foreign banks are quite active in the derivatives market and so the specialized services provided by these banks might not be easily substituted by domestic banks. It is, therefore, appropriate to include a few large foreign banks also in the sample of banks to compute the systemic




importance. The total assets of the banks selected for the sample would constitute 100% of the GDP. For this purpose, latest GDP figure released by Central Statistical Office, Government of India will be used. ASSESSMENT METHODOLOGY

The methodology to assess the systemic importance to be used is largely based on the indicator based approach being used by BCBS to identify Global Systemically Important Banks (G-SIBs). The indicators to be used to assess domestic systemic importance of the banks are as follows: (a) Size (b) Interconnectedness (c) Lack of readily available substitutes or financial

institution infrastructure (d) Complexity.

The BCBS methodology for identification of

G-SIBs gives equal weight for each of the indicators

used to compute systemic importance with a cap

assigned to the weight of substitutability indicator.

However, methodology that will be adopted by RBI

would give more weight to the size as it is felt that size

is the most important indicator of systemic importance.

Interconnectedness, substitutability and complexity

indicators would be divided further into multiple

indicators. Details of the data requirements for

computation of systemic importance scores are given in

following table. A description of indicators, sub-

indicators and their relative weights are given as under:

S. No.

Indicator Sub-indicator Indicator Weight

1 Size ( total exposure as defined for use in Basel III Leverage Ratio)

------ 40%

2 Interconnectedness Intra-financial system assets 6.67% Intra-financial system liabilities 6.67% Securities outstanding 6.67%

3 Substitutability Assets Under Custody 6.67% Payments made in INR using RTGS and NEFT systems 6.67% Underwritten transactions in debt and equity markets 6.67%

4 Complexity2

Notional amount of OTC Derivatives 6.67% Cross Jurisdictional Liabilities 6.67% Securities in Held For Trading and Available for Sale categories

6.67%

Higher Capital Requirements for D-SIBs Banks classified as D-SIBs will be subjected to additional Common Equity Tier 1 (CET1) capital requirement as under:

Bucket Additional CET 1 requirement

(as a percentage of risk weighted assets)

5 (Empty) 1.00%

4 0.80%

3 0.60%

2 0.40%

1 0.20%




The systemic importance score will be calibrated in such a manner that the bucket 5 does not have any banks initially. An empty bucket with higher CET1 requirement will incentivize D-SIBs with higher scores not to increase their systemic importance in future. In the event of the fifth bucket getting populated, an additional empty (sixth) bucket would be added with same range and same differential additional CET 1.

Presently, foreign banks operating in India as branches maintain capital in their Indian books as mandated by RBI. Similarly, foreign banks as Wholly Owned Subsidiaries (WOS) of their parent bank will maintain capital in the local subsidiary as mandated by RBI. The maintenance of additional CET1 by a foreign bank in India whether as a branch or a WOS, and as a G-SIB or D-SIB, will be guided by following rules: EFFECTIVE DATE OF IMPLEMENTATION

The higher capital requirements applicable to D-SIBs will be applicable from April 1, 2016 in a phased manner and would become fully effective from April 1, 2019. The phasing-in of additional common equity requirement will be as follows:

Bucket April 1, 2016 April 1, 2017 April 1, 2018 April 1, 2019

5 (empty)

4 0.20% 0.40% 0.60% 0.80%

3 0.15% 0.30% 0.45% 0.60%

2 0.10% 0.20% 0.30% 0.40%

1 0.05% 0.10% 0.15% 0.20%

Disclosures: The names of the banks classified as D-SIBs will be disclosed in the month of August every year starting from

2015. RBI will also disclose the denominators for each category of indicators every year so that each and every bank is able to calculate its systemic importance score. All banks forming part of the sample will be required to disclose the values for various indicators on an annual basis. Review of the Assessment Methodology:

The assessment methodology for assessing the systemic importance of banks and identifying D-SIBs will be reviewed on a regular basis. However, this review will be at least once in three years. The review will take into consideration the functioning of the framework during the last three years, theoretical developments internationally in the field of systemic risk measurement and the experience of other countries in implementing the D-SIB framework and the methodology adopted by them.

Present D-SIBs SBI, ICICI and HDFC




4. SHELL COMPANIES

Recently SEBI suspended trading of 331 shell Companies based on information provided by serious fraud Investigation organization (SFIO). WHAT ARE SHELL COMPANIES:

Shell Company is a non-trading company formed with following intentions: (a) To raise fund before starting coperations. (b) Attempt a takeover. (c) For going public or as front for illegal business.

WHAT THEY DO? (a) Establishes non-trading company. (without any business)

(b) These company shares sold in market.

(c) No one will purchase these companies shares but the persons who have close relations with these companies

will purchase shares.

(d) Due to advertisement in new paper and share holders, share value increases and the will show it earned through company performance.

(e) Above all activities are illegal because company is not active which means non-trading company.

Since 2010 Total shell companies in India 6.88 lakhs. Most of the companies are located in Kolkata,

13,274 – Kolkata (Major centre) 11.066 – Delhi 331 companies” which are recently suspended by

SEBI are from following centres Kolkata – 145

Maharashtra – 53 Delhi – 35

SEBI has taken action 331 companies as per section 11 (4) SEBI Act – 1992.


Current Affairs November 2017 - Digest


5. ILO–WALK FREE FOUNDATION REPORT

International Labour Organization (ILO) - Walk free foundation jointly conducted survey on status of employment. The report released in September 2017 in United Nations general Assembly.

The report stated “4 crs” of people are under modern slavery in 2016. WHAT IS MODERN SLAVERY:

As per United Nation 1956 Convention Modern slavery means

(a) Debt Bondage (b) Serfdom (c) Forced Marriage (d) Delivery of child for exploit ants of child (e) Trafficking

Total 4 crs of people are under Modern slavery. The percentage under different categories as follows: Issue Male % Female % 1. Modern slavery 28.9 71.1 2. Labour exploitation 42.4 57.6 3. Sexual Exploitation 0.6 99.4 4. Force far Marriages 15.8 84.2 5. Exploitation by state 59.4 40.6

CHILD LABOURS: Total 16.8 crs of child labours are in the age of 5-17

years. 25% of child labours Modern slavery 11% of child labours Industries 70.9% of child labours Agriculture 17.1% of child labours services

REGION WISE – MODREN SLAVERY Modern slaves per 1000 population Modern slaves = 5.5 / 1000

Region Forced Labour

Forced Marriages

Total

Africa 2.8 4.8 7.6

Asia Pacific 4 2.1 6.1

Europe Central Africa

3.6 0.3 3.9

Arab countries 2.2 1.1 3.3

America continents 1.3 0.7 2

World Average 3.4 2.1 5.5




6. CATALONA IS NOT A SPAIN

Spain is planning to suspend Catalonia’s autonomy, as the region’s leader threatens to declare independence. The Spain government would soon meet to activate Article 155 of the constitution, allowing it to take over running of the region. Article 155 of the constitution, which cemented

democratic rule three years after the death of Dictator General Francisco Franco in 1975, allows Madrid to impose direct rule in a crisis but it has never been invoked. Where is Catalonia?

Catalonia is an autonomous community of Spain in the north-east and of the Iberian Peninsula, designated as a nationality by its Statute of Autonomy. It has four provinces: Barcelona, Girona, Lleida, and Tarragona. The Capital and largest city is Barcelona, which is the second most populated city in Spain. What is the history of the session movement?

Catalonia was historically an autonomous region of the Iberian peninsula, which encompasses Spain and Portugal. However, it was never a disparate part of the region despite having its own language, laws, and customs. The marriage of Petronilia, the Queen of Aragon, and Ramon Berebguer IV, Court of Barcelona in 1150, led to the formation of a dynasty. All regions of the peninsula spanning Aragon and Catalonia were brought under unified rule which lasted until the reign of King Philip V.

The war of Spanish Succession created modern Spain with the defeat of Valencia in 1707, and of tried to impose the Spanish language and laws in order to culturally unify the kingdom, but their attempts were abandoned in 1931 when the Generalitat (the national Catalan government) was restored.

Catalan separatism was crushed under the dictatorship of General Francisco Franco who took control of the region, killing 3,500 people and forcing many more into exile. Franco was ousted in 1977 and democracy was restored.

Calls for complete independence continued to grow. In July 2010, the Constitutional Court in Madrid overruled part of the 2006 autonomy statute, stating that there is no legal basis for recognizing Catalonia as a separate country in the framework of the Spanish nation state.

The economic crisis which has embattled the Spanish economy with rising unemployment and spiraling inflation, only served to amplify separatist sentiments as the wealthy Barcelona region is seen as propping up the poorer provinces. How would a secession affect the Spanish

The Catalan region has long been the industrial heartland of Spain, with textile and ship building, and more recently, finance, services and technology. Barcelona has a thriving start up culture, and plays host to the annual Mobile World Congress, where the bleeding edge of technology is on display.

Catalonia is one of the wealthiest regions of Spain. It accounts for 20.07% of the Spanish GDP. Secession would therefore cost Spain almost a fifth of its economic output, and Trigger a row on how to carve up the 836 billion of national debt.

It Catalonia were to secede from Spain, it would have a GDP of $314 billion, according to calculations by the Organization for Economic Cooperation and Development (OECD). That would make its economy larger than Singapore and South Africa, and on a par with Israel. Its GDP per capita would be $35,000, which would make the average citizen of the Catalonian state wealthier than his counterparts from South Korea or Italy.




7. GOVERNMENT POLICIES

UNION GOVERNMENT POLICIES

S. No Policy

1. PENCIL -Launched by Ministry of Labour . -Platform for effective enforcement for No, child labour [ PENCIL]. -Objective is child labour free India

2. I am that Women -Launched by Ministry and Women-Child development Women for women; a online campaign against Gender basis in women against women.

3. Paryatan PARV (Oct 5th - 25th, 2017)

Ministry of Tourism (Tourism for all) - Show casing cultural diversity in India to promote Tourism in country

4. India water Week Oct 10 – 17 – 2017

Water and energy inclusive growth By Ministry of Water resources

5. Yashvidya Empowering soldiers by Education

6. LPG – Panchayat -Aware is about use of LPG fuel Benefits in Rural area -Launched at Mota Isanpur village [ Gandhinagar]

7. SAUBHAGYA Sahaj Bijli Har Ghar Yojana -Free electricity connection to four crore families by Dec 2018 -Cost: 16000 Cr

8. Lab on Boat First laboratory under Brahmaputra Biodiversity Biology Boat to Study Biological analysis of Brahmaputra river in Assam.

9. Elecronic Negotiable Ware house Receipt System (e-NWR)

By Ministry Consumer offairs -e-NWRs would have no chances of any tampering, mutilation. Finding loss (or) damage

10. Divy a Sarathi -Ministry of Social Justice Empowerment - ‘Divya Sarathi’ is the accessible and comprehensive mobile application for easy dissemination of Information to Divyangas.

11. Modernization of Police (2017-2020)

For three period: 25,060 Crs And Share of Centre: 18,636 Crs Share of State: 6,424 Crs

12. JanSampark Ministry of Women-Child Development -“Jansampark” Programme to enable the public to have interaction with its officials and staff for seeking information related to adoption as well as flagging their concern.

13. World Class Universities

10000 Crs allocated to develop 20 universities as World Class Universities. Public = 10 Universities Private = 10 Universities




S. No Policy

14. SANKALP Skill Acquisition and Knowledge Awareness for Lively hood promotion (SANKALP) Total amount of Fund is 4455 Crs and World bank lending 3300 Crs out of 4455 Crs.

15. STRIVE Skill strengthening for Industrial value Enhancement (STRIVE) Total amount of fund is 2200 Crs and World Bank is lending 1100 Crs out of 2200 Crs.

16. RAFTAR Remunerative approaches for Agriculture Sector and allied Sectors Rejuvenation (RAFTAR) Total cost: 15,772 Crs. The centre and state should share in the ratio of 60 : 40. The following activities will be taken under RAFTAR.

(a) 50 % of funds allocated for the development of Agri infrastructure. (b) 30% of funds allocated to increase productivity of crops. (c) 20% of funds allocated to local needs like skill training and innovations.

17. Deendayal Antyodaya Yojana

Providing loans to self-help groups upto 3 lakhs @ 7% interest rate.

State Government Policies

S.No Policy State Objective

1. Single click pension scheme Madhya Pradesh Money directly transformed in to accounts of

Beneficiary.

2. Swachcha Andhra Mission Andhra Pradesh Open defecation free (ODF)-Andhra Pradesh

3. No Helmet No fuel Andhra Pradesh To reduce road accidents

4. Mathru poorna Karnataka Nutritional Needs of pregnant lactating women.

5. Mukyamantri Samoohik Vivah Yojana

Uttar Pradesh A mass marriage scheme 35000 will be spent on each couple.

6. Mukya Mantri Bhavantar Bhugtan Yojana

Madhya Pradesh first state to provide 0% interest rate loans to farmers.

7. Deen Dayal Upadhyay Cooperative Farmers Welfare Scheme

Uttarkhand Crop loans for 2% interest upto 7 lakh

8. Mobile Veterinary Ambulance Scheme

Telangana First state to launch Mobile Ambulance for Animals. Toll free No. 1962

9. Blood bank for Animals Odisha First state to establish blood bank for animals.




8. RBI AND BANKING

1. Sbi Launches Indian Bond Index Series In London

State Bank of India (SBI) has launched the FTSE SBI Bond Index series in partnership with global index provider FTSE 100, which it is hoped will give tools to investors from India, the UK and globally to analyse India’s government bond market, and drive growth in this market.

This index, launched in collaboration with the London Stock Exchange, will ensure that international investors have an international benchmark.

2. Sbi To Teach Bankers From South East Asian Countries State Bank of India is planning to throw open its new banking personnel training institute for employees of other banks in India and other South East Asian countries. The institute will impart leadership training to

people in the mid-management level and above with thrust on risk mitigation, banking regulation and technology.

3. Sbi Revises Service Charges On Maintaining Monthly Average Balance The country’s largest lender State Bank of India has brought down service charges on not maintaining monthly average (MAB) balance by a whopping 20-50%. The bank has also decided to treat the metro

and urban centres in the same category and the requirement of monthly average balance in metro centres stands reduced to Rs 3000 from Rs 5000 earlier.

4. SBI Foundation commits Rs10 crore for conservation of CST The SBI Foundation has committed Rs10 crore for the conservation and restoration of the Chhatrapati Shivaji Maharaj Terminus (CST) of Mumbai over a period of three to five years.

The CST railway station, formerly known as Victoria Terminus, is a Unesco World Heritage Site.

Through this project, the CSR arm of the State Bank of India aims to contribute in development and preservation of world heritage structures, SBI said in a statement.

Restoration work of CST heritage building will be done by INTACH, an expert agency.

(A) SBI to Fund Maharashtra govt’s Affordable Housing Schemes The State Bank of India (SBI) will soon ink an MoU with the Maharashtra government-owned PSU Shivshahi Purnarvasan Prakalp (SPPL) for financing affordable housing under the State’s slum rehabilitation schemes. The SBI will make available funds for the

construction of affordable housing tenements under the slum rehabilitation schemes, including the Dharavi Redevelopment Project, of the Maharashtra government.

(B) Odisha Government Department Signs MOU with SBI The Odisha government's Directorate of Treasuries and Inspection and the State Bank of India have signed an MOU for integration of SBI e-Pay with cyber treasury. The MoU is a landmark initiative by the

state government to facilitate revenue collection from citizens through digital banking platform, an official said.

The SBI e-Pay is the payment aggregator service wing of the bank which will facilitate on line payment of government dues by the customers of any public/ private sector banks by using the payment gateway of SBI.

(C) SBI to Set up Country's Largest Innovation Centre at Mumbai The nation's largest lender State Bank of India is creating a 15,000-sqft innovation centre in Navi Mumbai investing around Rs 100 crore.




The centre, to be built at its Global IT Centre in Belapur in Navi Mumbai, will be the largest innovation centre by any financial services company in the country.

The innovation centre is part of a Rs 200-crore allocation that the bank has earmarked for innovation last year.

5. NABARD sanctions Rs 119 cr loan for Haryana National Bank for Agriculture and Rural

Development (Nabard) has sanctioned a loan of about Rs 119 crore to construct seven bridges and improvement of one rural road project in five districts of Haryana.

6. PNB, Indusind Bank To Provide Ai With Over Rs 3,000 Cr Loans Banking majors Punjab National Bank and IndusInd Bank have won the bid to provide national passenger carrier Air India with over Rs 3,000 crore government guarantee backed "Short Term Loans" (STLs). Earlier, Air India had called for financial bids

from leading lenders by September 19. The government-backed laons are expected to

help the airline in settling dues of various vendors like oil companies and airport operators.

7. HDFC Bank Partners Top Education Institutes For Fintech Ideas In a first of its kind efforts in the domestic banking sector, second largest private sector lender HDFC Bank said it will be partnering with 50 technology and business schools to tap into emerging fintech ideas. It announced a tie-up with IIT-Bombay and

IIT-Roorkee as part of the industry-academia partnership effort.

In the first phase of the initiative, 50 such partnerships are envisaged. The bank will use its domain expertise to mentor start-ups on customer experience, reduce time to market and costs.

8. EESL to procure 10,000 Electric Vehicles from TATA Motors Energy Efficiency Services Limited (EESL), under the administration of Ministry of Power, Government of India (GoI), will procure 10,000 electric vehicles from Tata Motors Limited. The company was selected through an

international competitive bidding aimed at increased participation.

Tata Motors won the tender and will now supply the Electric Vehicles (EVs) in two phases – first 500 e-cars will be supplied to EESL in November 2017 and the rest 9,500 EVs will be delivered in the second phase.

The tender floated by EESL is the world’s largest single electric vehicle procurement.

9. Mahindra Launches 'Prerna' Project For Women Farmers Mahindra & Mahindra said it has launched a programme, Prerna, to empower women working in the agriculture sector by promoting efficient and ergonomic farm tools and equipment. The project will be initially launched in the

state of Odisha, with the intention to positively impact the lives of over 1,500 families across 30-plus villages.

The company, which is part of the USD 19 billion Mahindra Group, yesterday celebrated the 'Mahila Kisan Diwas' with the launch of this programme.

10. Kotak Mahindra Bank and Zeta launch Paymint Kotak Mahindra Bank (“Kotak”) and Zeta, a fintech pioneer, announced the launch of Paymint – a comprehensive digital platform to manage multiple employee benefits. A multi-wallet digital prepaid solutions

platform, Paymint enables corporates to offer a host of benefits to its employees including meal vouchers, medical reimbursements, leave travel allowances, gift cards, conveyance, fuel allowances, driver salaries and so on.




Payment offers corporates a single digital interface, powered by Zeta, to manage multiple reimbursements and allowances offered to employees.

11. AXIS Bank acquires Free charge The country’s third largest private sector lender Axis Bank said it has acquired payments wallet Free charge for Rs 373 crore in an all-cash deal. Sangram Singh has been appointed as the CEO

of Free charge Payment Technologies Private Ltd, it said.

Free charge presently has revenue of about Rs. 80 crore.

12. Vijaya Bank Inks Mou With Hpcl For Digital Payments Vijaya Bank has entered into a Memorandum of Understanding (MoU) with Hindustan Petroleum Corporation Ltd (HPCL) for enabling all HPCL retail outlets with BHIM/UPI merchant solutions. This rollout will empower all petrol pump

attendants and LPG delivery personnel to accept digital payments.

Customers can make payments by scanning a payment QR code, using BHIM Vijaya or any BHIM app that supports payments via UPI.

13. RBI Imposes Restrictions Banking Business On Oriental Bank Of Commerce The Reserve Bank of India (RBI) has imposed certain restriction on banking activities of government-owned Oriental Bank of Commerce which has suffered huge losses due to sharp rise in bad loan. This will be the seventh bank among the 21

PSU banks to be placed under restrictions since March this calendar year.

RBI has earlier placed restrictions on six banks which include Dena Bank, Central Bank of India, IDBI Bank, Indian Overseas Bank, Bank of Maharashtra and UCO Bank.

14. RBI To Launch Financial Literacy Drive In 9 States The Reserve Bank will soon launch a financial literacy drive in 80 blocks in nine states on pilot

basis to educate people on e-transactions, formal sector borrowings and insurance purchases. Six NGOs registered with the Depositor

Education and Awareness Fund -- CRISIL Foundation, Dhan Foundation, Swadhaar Fin Access, Indian School of Micro Finance for Women (ISMW), Samarpit and the PACE Foundation -- have been selected to execute the pilot project in collaboration with banks.

The total cost of the pilot project over a period of three years is Rs 18.40 crore.

The aim of the CFL is to inculcate the habit of making a household budget and recording financial transactions, encourage transactions in savings accounts, and active saving by depositing in banks through fixed deposits and recurring deposits.

15. Govt Raises Stake In Idbi Bank To 77.79% IDBI Bank said its promoter, the government of India, has increased its stake in the company to 77.79% by acquiring 3.81% shares through preferential allotment. The government earlier had 73.98% stake in

IDBI Bank. The government of India has acquired 3.81%

shares carrying voting rights in the company due to preferential allotment of equity shares.

16. Bharti Airtel Acquires Telecom Business Of Tatas Bharti Airtel and Tata announced that they have entered into an understanding to merge Consumer Mobile Businesses (CMB) of Tata Teleservices Limited (TTSL) and Tata Teleservices Maharashtra Limited (TTML) into Bharti Airtel. The acquisition is subject to requisite

regulatory approvals. The merger is being done on a debt-free cash-

free basis. As part of the agreement, Bharti Airtel will

absorb Consumer Mobile Businesses (CMB) of TTSL and TTML across the country in 19 circles (17 under TTSL and two under TTML).




17. IndusInd Bank To Take Over Micro Finance Company Bharat Financial

The Board of Directors of IndusInd Bank Ltd and Bharat Financial Inclusion Ltd approved the merger of two companies through a composite scheme of arrangement. As per the merger terms, the shareholders of

Bharat Financial will receive 639 shares of IndusInd for every 1,000 shares of Bharat Financial.

The Board of Directors of the two companies approved the scheme at their respective meetings.

VANUATU: Vanuathu became first nation to accept Bitcoin in Exchange for Citizenship. Port Vila: Capital Dollars: 2 Lakh

PREVENTION OF MONEY LAUNDERING RULES

(PMLA) 2005 Govt. of India PML rules as per the rules checking

of original documents is mandatory for following financial transactions. (a) To open Bank account. (b) Financial transactions above “50,000”.

(c) Purchasing of Real estate Property value more than “50 lakhs”.

(d) Sending of Remittances by NRI to India whose value is “5 lakhs”.

(e) Purchasing any good by using foreign currency with value of “10 lakhs”.

APPLICABLE TO: (1) Bank’s (all types) (2) Stock Brokers (3) Chit fund companies (4) Cooperative Banks (5) Housing finance agencies (6) Non-banking financial companies NODAL AGENCY:

The information of account holders is submitted to “Financial Intelligence Unit-India [FIU-IND]” FIU–IND Checks Money laundering in India. RAILWAY SANRAKSHAN KOSH (RSK) OR RAILWAY SAFETY FUND Proposed in Budget 2017-18 for the period 5 years. Fund: 1 lakh crore to provide safety of Indian

Railways. Share Finance Ministry Railway Dept.

2017-18 15000 crore 5000 cr 2018-19 15000 crore 5000 cr 2019-20 15000 crore 5000 cr 2020-21 15000 crore 5000 cr 2021-22 15000 crore 5000 cr 75000 Crore 25000 crore 1 lakh crore

Tieup companies / Banks Purpose Vijaya Bank –Hindustan Petroleum Corporation Ltd. ( HPCL)

Promotion of Digital Payments in Petrol bunks

TATA – American International Assurance Life Insurance Company (AIA)

Launched eazy connect app will extend online customer service to social Media platforms

Housing Development Finance Corporation (HDFC) Life and Appollo Munich

To gether lanched ‘CLICK 2 Protect Health plan” which provides Health and Life cover under single Plan

National Highways Authority of India (NHAI) Launched Project Monitoring Information System (PMIS) Mobile Application

Airtel and Tigo (Millicom Ghana) Airtel acquired Tigo Telecom Company of Ghana. Mobikwik –IRCTC Mobikwik tied with IRCTC’s Rail Connect App to

promote digital payment.




Tieup companies / Banks Purpose HDFC Life insurance company Launched “NEO” a servicing bot for twitter that uses

artificial intelligence for customer service. Union Bank Launched Sahyog app and It is bilingual app available

in Hindi and English. Fino Payment Banks Launched B Pay app IDFC Launched project Nischay to improve financial

performance. Flipkart’s in house brand in large application category. MERQ EEPC AND PNS PACT EEPC: Engineering export promotion council

PNB: Punjab National Bank PNB provide loans for SME’S and exporters of the

council. Loan Amount: Upto 10 crore within six to seven

weeks at competitive rates.

SBI AND ESCORT PACT SBI signed agreement with ESCORT Ltd to finance farmers for purchase of ESCORT tractors.

INDUS IND – MOBIKWIK Indus Ind Bank in association Mobikwik had announced to launch of a co-branded walled Indus Ind –Mobikwik that allows it’s customers to pay mobikwik merchant network using their accounts with a direct debit feature.

AMAZON AND MICROSOFT Amazon, Microsoft Ties upto launch Deep Learing Platform” (DLP)

The Deep learning Interface called “GLUON”. HSBC LAUNCHES APP TO TRACK TRADE

TRANSACTIONS: HSBC launched Track Trade transactions to help consumer track the status of their trade transaction real time basis.

AXIS BANK – FREE CHARGE Axis Bank Acquired Free charge mobile wallet firm and appointed “Sangram Singh” as it’s CEO.

NABARD

NABARD Original share in SIDBI = 3% Now purchased an additional 7% in SIDBI from

IDBI. 3% + 7% = 10% NABADD Share in SIDBI To Acquire 7% share, NABARD paid 900 Crore to

IDBI. IDBI Share reduced to (26.5–7) = 19.5% ICICI BANK FUND TO ARMED FORCES

ICICI Providing 10 crore to Indian forces. The first will support post-graduation education of windows of the soldiers and education of their wards.




‘CASHBACK’ HOME LOANS India’s largest private sector lender by consolidated

assets, ICICI Bank announced a new home loan scheme that offers borrowers the benefit of 1% cashback on every EMI, for the entire tenure of the loan. The offer will be valid for home loans with a

minimum tenure of 15 years and maximum tenure of 30 years.

Personal loans through ATM ICICI Bank lending 15 lakhs of personal through ATM Machines.

Canara Bank Launches First Digital Branch In Bengaluru

Canara Bank, which has set an ambitious target of moving to ‘paperless’ futuristic banking, launched its first ‘Digital Banking Branch’ at Spencer Towers in MG Road, Bengaluru. Titled ‘CANDI’, the branch will provide an end-to-

end digital experience to customers. The bank, as part of the run-up to its digital foray,

has introduced customer-friendly mobile apps which help customers get most of the information related to their accounts from the app without the need to visit the branch.

DIGITAL DHAN SANKALP APP PROJECT Visa tied with AP Government.

To make Vishakapatnam as Cashless City Vizag Digital Dhan Sankalp App (VDDP)

MAHALABHARATH A web portal that will help get information about all government Scheme.

Maharashtra government MASTER CARD Master card launched first innovation centre in

Pune (India) for Research and Development. (R&D)

SBI LAUNCHED “2ND SBI DIGITAL HACKATHON” November 1st – 12th 2017 Focus on four themes :

(a) Facial recognition (b) Significance recognisation (c) Cheque Transaction Value (d) Voice based Authentications

Digital Hackathon is name as “Digitile for Banks NATIONAL PAYMENT CORPORATION OF INDIA Rupay credit card

This is first Indian credit card




INTEREST RATE ON DEPOSITS BY DIFFERENT BANKS

S.No Bank Below 50 lakhs deposits Above 50 lakhs deposits

1. Axis bank 3.5% 4% 2. Canara Bank 3.5% 4% 3. Indian Bank 3.5% 4% 4. Punjab National Bank 3.5% 4% 5. HDFC bank 3.5% 4% 6. ICICI Bank 3.5% 4% Below 25 lakhs deposits Above 25 lakhs deposits

7. Syndicate Bank 3.5% 4% 8. Andhra Bank 3.5% 4%

LOANS TO INDIA BY INTERNATIONAL BANKS S.No Bank Amount Purpose

1. Asian Development Bank $ 4 bns Every year $ 4bns loans to India from 2018 to 2022 2. Asian Development Bank $ 300 millions Fiscal Reforms in west Bengal. 3. Asian Development Bank $ 100 millions To Punjab National Bank to lend loans to solar roof top. 4. Asian Development Bank $ 80 millions Educational loans to Himachal Pradesh. 5. Asian Development Bank $ 200 millions To IndusInd Bank to lend loans to low income women. 6. Asian Development Bank $ 50 millions To Govt. of India for the development of Solar roof top. 7. Asian infrastructure

investment Bank $ 50 millions To Govt. of India for the development of Solar roof top.

8. World Bank $ 24 millions Eco system service improvement project. 9. World Bank 3300 crore For the SANKALP Project

10. World Bank 1100 crore STRIVE Project 11. World Bank $ 8 bns China’s Silk Road Project 12. China Government $ 80 millions To BRICS Countries for energy projects. 13. European Investment

Bank 300 million Euros (2293 crore)

For the development of Metro Rail project in Banglore.

14. UAE Government $ 1 bns To Government of India for National Infrastructure investment Fund (NIIF)

15. World Bank $ 200 million To Assam Government to develop Agri business and Rural Transformation.

16. World Bank $ 625 Million To State bank of India for Solar power project. 17. Asian Infrastructure

investment Bank $ 2 million To Andhra Pradesh for different Projects

ECONOMIC GROWTH RATE FOR INDIAN ECONOMY 2017-18 S. No Organization Growth Rate projected

1. NITI Ayog 7 % 2. World Bank 7% 3. Asian Development Bank 7% 4. International Monetary Fund 6.7% 5. RBI 6.7% 6. OECD 6.7% 7. Morgan and Stanley 6.7%




9. INTERNATIONAL NEWS

1. UAE begins collecting 'sin' taxes on tobacco, energy drinks

The United Arab Emirates has begun collecting new "sin" taxes on tobacco products, energy drinks and soft drinks. Tobacco and energy drinks will be taxed at 100

percent and soft drinks at 50 percent. The new tax push comes as the UAE and other

oil-rich Gulf nations have struggled with low global energy prices.

2. Nepal, India to conduct first joint tiger count

For the first time, Nepal and India will undertake a joint tiger census next month in their national parks, forests and protected areas. Conservation authorities and experts would

install cameras in various locations in tiger habitats as well as in buffer zones to capture and track the movements of the tiger.

The counting of tigers will begin from the second week of November.

3. India picked as guest country at World Summit of Governments

The World Government Summit announced that India is a guest country in its upcoming gathering. The Annual Gathering is scheduled for

February 11 to 13, 2018. Honorary guests from India will join the

notable list of speakers synonymous with the World Government Summit to showcase the country’s emerging economic growth, highlight valuable knowledge, skills, and capabilities and elaborate on the country’s unique culture, according to the Summit.

4. UN ends 13-year military

peacekeeping mission in Haiti

The UN soldiers left Haiti finishing their 13 year military peacekeeping mission in Haiti. A UN peacekeeping mission helped to maintain

order in Haiti through 13 years of political turmoil and disaster.

UN troops reached more than 10,000 in number after the January 2010 earthquake.

The UN lowered its flag at its headquarters in Port-au-Prince.

5. US, Israel withdraws from UNESCO

The US and its ally Israel have announced they will withdraw from the United Nations Scientific and Cultural Organization, accusing the body of "anti-Israel bias".




Heather Nauert, US state department spokesperson, said the US would establish an "observer mission" to replace its representation at the Paris-based agency.

The US was angered in 2011 when UNESCO members granted Palestine full membership of the body, despite opposition from its ally Israel.

POINTS TO REMEMBER UNESCO's headquarters is in Paris. This organization of the United Nations has

been working since 1946. It is known for marking world heritage. Irina Bokova is the secretary General of

UNESCO. 6. China Overtakes US As World's

Largest Ice Cream Producer

China has overtaken the US as the world's largest ice cream producer, according to figures published at an industry expo in north China's Tianjin City. In 2016, China's major frozen drink producers

yielded over 3.3 million tonnes of frozen drinks, ringing up nearly $6.6 billion in sales.

7. G-20 Finance Ministers and Central Bank Governors Meeting

The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitley participated in the G-20 Finance Ministers and Central Bank Governors (FMCBG) Meeting in Washington D.C. The discussion focused on the agenda items

pertaining to Global Economy and Framework for Growth, Compact with Africa and International Financial Architecture.

The Finance Minister Shri Jaitley is presently on a one week visit to USA mainly to participate in Annual Meetings of the World Bank and IMF among others.

8. Gandhi Museum Inaugurated in Durban

A Gandhi museum has been inaugurated on a small piece of land once owned by Mahatma Gandhi in the coastal city of Durban. Minister of State for External Affairs V K

Singh inaugurated the museum, which will reflect the life and universal influence of Mahatma Gandhi.

Gandhi owned the land in 1897 and used to hold public meetings there when the Natal Indian Congress planned its fight against laws discriminating against Indians in South Africa.

9. India ranked No. 1 in pollution related deaths: Lancet report

With 2.51 million deaths in 2015, India has been ranked No. 1 in pollution related deaths, according to a report by The Lancet Commission on pollution and health. China recorded the second highest number of

such deaths (1.8 million). India accounted for about 28 per cent of an

estimated nine million pollution linked deaths worldwide in 2015.

10. Robert Mugabe removed as WHO goodwill ambassador after outcry




Zimbabwean President Robert Mugabe has been removed as a goodwill ambassador, the World Health Organization (WHO) said following an outrage among Western donors and rights groups at the appointment. Mugabe, 93, is blamed in the West for

destroying Zimbabwe's economy and numerous human rights abuses during his 37 years leading the country as either president or prime minister.

11. Saudi Arabia Allows Women into stadium for first time

Saudi Arabia has invited women to a sports stadium for the first time to attend the kingdom’s 87th National Day celebrations with their families. This marks a shift from previous celebrations in

the kingdom where women are effectively barred from sports arenas.

Saudi Arabia has strict restrictions for women, including barring them from driving.

12. 7TH ASEM Economic Ministers' Meeting

The 7th ASEM Economic Ministers' Meeting (ASEM EMM7) was held on 21-22 September 2017 in Seoul, Republic of Korea. The ASEM was established in 1996 as an

economic cooperation council of 53 Asian and European countries.

The organization is evaluated as an important regional cooperation body that accounts for more than 60% of global trade as of 2015.

13. India third in nuclear power installations

India is third in the world in the number of nuclear reactors being installed, at six, while China is leading at 20, the World Nuclear Industry Status Report 2017, released this month, shows. The number of nuclear reactor units under

construction is, however, declining globally for the fourth year in a row.

14. 72nd session of United Nations General Assembly

72nd Regular Session of UN (United Nations) General Assembly (UNGA 72) was held at UN Headquarters, in New York. Mr.Miroslav Lajcak presided over the 72nd

session of the UNGA. External Affairs Minister of India Ms.Sushma

Swaraj addressed the 72nd session of United Nations General Assembly.

During this session, 50 countries signed a treaty to ban nuclear weapons, which was first signed by Brazil.

The countries that have signed the treaty would not develop, test, produce, manufacture, acquire, possess or stock nuclear weapons under any circumstances.

15. Palestine joins Interpol as full member




Interpol, the international police organization, has voted to admit Palestine as a full member, thereby advancing the latter's goal of statehood. This development is a diplomatic blow to

Israel, which has been opposing Palestine moves to join international bodies.

About 75 countries voted in favor, with 24 voting against and 34 abstaining in a secret vote held during 86th Interpol General Assembly on Sept. 26-29 in Beijing.

POINTS TO REMEMBER Established in 1923, Interpol is the world's

largest intergovernmental organization facilitating international police cooperation among member countries.

Interpol headquarters in Lyon, France. 16. Chile named best country to visit in

2018

Chile has been named the best country to visit

next year by Lonely Planet in its 'Best in Travel 2018' list.

South Korea and Portugal have ranked second and third respectively, while Djibouti and New Zealand have completed the top five.

The other countries featured on the list are Malta, Georgia, Mauritius, China and South Africa.

17. Saudi Arabia bestows humanoid robot with citizenship

A humanoid named Sophia has made history by becoming the first robot in the world to be granted citizenship.

Saudi Arabia offered citizenship to the robot, designed by entrepreneur David Hanson.

The particulars of the citizenship were not discussed, and it’s not clear if Sophia will have the same rights as a human Saudi Arabian citizen.

18. Nepal Government Accepts Resignation of Envoy to India

The Nepal government has accepted the resignation of Deep Kumar Upadhyay, the countrys ambassador to India, who has quit to contest the upcoming parliamentary elections. Upadhyaya had tendered his resignation to

Deputy Prime Minister and Minister for Foreign Affairs Krishna Bahadur Mahara on October 6.

Upadhyay has filed his nomination for the upcoming parliamentary election from Kapilastu district in western Nepal as the ruling Nepali Congress candidate.

19. First International Day of Diplomats celebrated in Brasilia

The first International Day of Diplomats was celebrated in Brasilia on October 24 with participation from the diplomats of Bangladesh, Brazil, France, Ghana, India, Israel, Italy, Mexico, South Africa and Turkey. The idea of celebrating International Day of

Diplomats on October 24 was proposed by Indian poet-diplomat Abhay K. in his piece for a leading online daily titled 'Why the World needs International Day of Diplomats.




10. NATIONAL NEWS

1. Pratham-Shyok Bridge in Leh Defence Minister Nirmala Sitharaman inaugurated the Pratham-Shyok bridge that will link Leh to Karakoram, providing connectivity on the strategically important Darbuk-Shyok-Daulat Beg Olde axis for military transport. The bridge is a major development on the

Shyok Gong river which will enhance travel of locals as well as the Army in this strategic region.

It will increase travel and communication for strategic transport, the Minister said.

2. India opens two border crossing points with Myanmar, Bangladesh India has opened two immigration check posts along the borders with Myanmar and Bangladesh, a reflection of its growing closeness with the two eastern neighbours. The home ministry said the central government

has designated Zorinpui land check post in Lawngtlai district of Mizoram as an authorised immigration check post for entry into or exit from India with valid travel documents for all classes of passengers to or from Myanmar.

In a separate notification, the ministry said the central government designated Kawrpuichhuah land check post in Lunglei district of Mizoram as an authorised immigration check post for entry into or exit from India with valid travel documents for all classes of passengers to or from Bangladesh.

India shares a 1,643-km-long border with Myanmar which touches Arunachal Pradesh, Nagaland, Manipur and Mizoram.

India shares a 4,096-km-long border with Bangladesh which touches Assam, Tripura, Mizoram, Meghalaya and West Bengal.

3. President Kovind inaugurates Shirdi Airport President Ram Nath Kovind inaugurated the swank new Shirdi Airport in Ahmednagar and the inaugural Alliance Air commercial flight to Mumbai.

The inauguration of the airport, developed by Maharashtra Airport Development Corporation (MADC), also marks the start of the year-long centenary celebrations of Shri Saibaba Samadhi for which over 11 million pilgrims are expected from around the world.

4. MCI to give Unique Permanent Registration Number to all doctors

The Medical Council of India has written to the country’s largest body of doctors to help digitise India’s registry of doctors through a unique registration number similar to AADHAAR as part of its ongoing e-governance initiative. The move is expected to help doctors practice

in different States without seeking different licences across borders.

5. Government to celebrate Swachh Bharat Diwas on 2nd October The third anniversary of the Swachh Bharat Mission will be celebrated as "Swachh Bharat Diwas" on 2nd October. October 2 is also celebrated as the International

Day of Non-Violence. On June 15, 2007, the United Nations General Assembly had voted for this.

6. Bhopal set to become first state capital to get trans toilet




Over five months after the union government asked all states to allow transgender people to use any public toilet of their choice, Bhopal is set to become the first state capital to come up with an exclusive toilet for the transgender community. It will be inaugurated by Chief Minister Shivraj

Singh Chouhan. 7. Thaawarchand Gehlot Flags off

“WALKATHON” for Older Persons To mark the ‘International day of Older Persons’ on 2nd October, more than 5000 participants gathered at India Gate for a noble cause to spread the message of caring and giving respect to older persons and senior citizens. This year’s theme was “Stepping into the

Future: Tapping the Talents, Contributions and Participation of Older Persons in Society.

Shri Thaawarchand Gehlot Union Minister of Social Justice & Empowerment along with the Minister of State Shri Krishan Pal Gurjar, took the pledge with other dignitaries and 5000 participants.

8. Rajghat gets Mahatma Statue, for the first time Rajghat, the Samadhi of the Father of the Nation in the national capital , has for the first time acquired a new feature that could appeal to the large number of visitors. Vice-President of India Shri M.Venkaiah Naidu

unveiled a 1.80 metre tall bronze statue of Mahatma Gandhi on the occasion of the 148 Birth Anniversary of the champion of country’s independence.

9. Upgradation of the Women’s Police Training Centre at Yamethin, Myanmar The Union Cabinet chaired by the Prime Minister Shri Narendra Modi has given its ex-post facto approval to the Memorandum of Understanding (MoU) between India and Myanmar on upgradation of the Women’s Police Training Centre at Yamethin, Myanmar. The MoU was signed on 6th September, 2017.

10. Turtle Sanctuary to be Set up in Allahabad

In order to protect the rich aquatic biodiversity of river Ganga from escalating anthropogenic pressures, development of a Turtle sanctuary in Allahabad along with a River Biodiversity Park at Sangam have been approved under Namami Gange programme. The project at an estimated cost of Rs 1.34

crore would include development of River Biodiversity Park at Sangam (confluence of Ganga, Yamuna and mythical Sarasvati), establishment of a Turtle Rearing Centre (Permanent nursery at Triveni Pushp and makeshift annual hatcheries) and awareness about the importance of river Ganga and imperativeness of its conservation has been approved.

11. Centre launches six-year secure Himalaya project

The Centre launched a six-year project to ensure conservation of locally and globally significant biodiversity, land and forest resources in the high Himalayan ecosystem spread over four states in India. Protection of snow leopard and other

endangered species and their habitats is one of the key components of the project which will also focus on securing livelihoods of the people in the region and enhancing enforcement to reduce wildlife crime.




The project - called SECURE Himalaya - was launched by the Union environment minister Harsh Vardhan in association with the United Nations Development Programme (UNDP) on the inaugural day of the Global Wildlife Programme (GWP) conference.

12. Dr. Mahesh Sharma to inaugurate ‘Rashtriya Sanskriti Mahotsav-2017’ The “Rashtriya Sanskriti Mahotsav (RSM)-2017” will be held from 7th to 9th October, 2017 in India’s 1st World Heritage City i.e Ahmadabad, Gujarat.

13. Three-day Global Medical Conference Begins In Chandigarh A three-day international conference, aimed at engaging industry and academic leaders to discuss current unmet medical needs, began at CSIR-Institute of Microbial Technology (IMTECH) in Chandigarh. CSIR-IMTECH is a premier microbial institute

under the aegis of the Union Ministry of Science and Technology.

The aim of the conference 'IMTechCon 2017' is to engage industry and academic leaders to discuss current unmet medical needs globally.

14. ISRO to set up research centre in Guwahati The Indian Space Research Organization (ISRO) will set up a research centre in Guwahati for start ups, academicians, environmentalists and entrepreneurs. ISRO would set up the exclusive research

facility in Assam to explore the possibility of using geospatial technology, which include data generated through global positioning system (GPS), geographical information systems (GIS) and satellite remote sensing for expediting the development of Assam, officials said.

15. World's largest combustion research centre at IIT Madras The world's largest combustion research centre which will impart a major boost to the Indian scientific community was inaugurated at the Indian Institute of Technology, Madras.

The National Centre for Combustion Research and Development (NCCRD) was inaugurated by NITI Aayog member V K Saraswat.

This is the world's largest combustion research centre.

16. The first ever All India Institute of

Ayurveda dedicated to the Nation The Prime Minister, Shri Narendra Modi, dedicated the All India Institute of Ayurveda, in New Delhi, to the Nation. The first ever All India Institute of Ayurveda

(AIIA) is set up along the lines of AIIMS. As an apex institute under the Ministry of

AYUSH, the AIIA will bring synergy between the traditional wisdom of Ayurveda and modern diagnostic tools and technology.

Speaking on this occasion, the Prime Minister congratulated the gathering on the celebration of Dhanvantari Jayanti as Ayurveda Divas.

17. India, Brazil, South Africa sign IBSA Trust Fund agreement India, Brazil and South Africa signed the IBSA Trust Fund Agreement that seeks to fight poverty in developing countries. The agreement was signed by Minister of State

for External Affairs V K Singh who led the Indian side at the 8th IBSA trilateral Ministerial Commission Meeting in Durban.

The IBSA Trust Fund brings together the three emerging economies of India, Brazil and South Africa to combat poverty in other developing countries.

Each country contributes USD 1 million annually to this fund which is managed by the UN Development Programme's (UNDP) Special Unit for South-South Cooperation.

18. ACI ranks Hyderabad airport No. 1 in 5 to 15 million category Hyderabad’s Rajiv Gandhi International Airport (RGIA) has ranked No. 1 in the Airports Council International’s (ACI) service quality survey in the category of 5 to 15 million passengers per annum.




On a scale of 1 to 5, Hyderabad airport’s score improved from 4.4 in 2009 to 4.9 in 2016.

RGIA was opened in year 2008 and is operated by GMR Hyderabad International Airport Ltd. (GHIAL).

19. Jaipur and Srinagar Airports rated Best Airports in the World The Jaipur and Srinagar Airport got First and Second rank respectively in the category of 2-5 million passengers in ACI-ASQ Survey. Dr. Guruprasad Mohapatra, Chairman, Airports

Authority of India along with his team received the ACI-ASQ Award at a function held in Mauritius.

The Chairman congratulated both APDs for their stupendous achievement and challenged more AAI airports to compete and win at ACI-ASQ Awards in their respective categories in future.

20. Canada to be partner country for Tech Summit-2017 Canada will be the partner country at the 23rd iteration of the Tech Summit, knowledge and technology conference and exhibition from 14 – 15 November, 2017 in New Delhi. The Summit is being organised by the

Confederation of Indian Industry (CII) and the Indian Department of Science and Technology (DST).

21. Assam to hold Global Investors Summit in February, 2018 The first Global Investors Summit in Assam will be held in Guwahati in February next year and Prime Minister Narendra Modi will inaugurate it. The state government plans to utilise the event

to showcase Assam's business potential with attractive policies so that investments are made.

22. President to inaugurate International Gita Mahotsav in Haryana President Ram Nath Kovind will inaugurate the International Gita Mahotsav in Kurukshetra, Haryana, on November 25.

He will also participate in Gita Yajna and Gita Poojan ceremonies at Brahma Sarovar.

The mahotsav which will conclude on December 3 will have Mauritius as partner country and Uttar Pradesh as partner state.

23. Kerala Govt Prohibits using 'Dalit', 'Harijan' in official communications The Kerala Information and Public Relations Department's internal circular has directed to avoid usage of words "Dalit" and "Harijan" in its official communications. The order was issued based on the directive

from Kerala State Commission for Scheduled Castes (SC) and Scheduled Tribes (ST) Chairman Justice PN Vijayakumar.

The department informed that the government has also banned the usage of word "Keezhalar" which was used to refer to scheduled communities.

24. Centre asks states to name toilets as ‘izzat ghar’ in rural areas The Centre has asked each state to name the toilets in their rural households as “izzat ghar”, or to use a phrase in regional language equivalent to “house of dignity”. Ministry of Drinking Water and Sanitation

wrote to state government’s principal secretaries after observing the name “izzat ghar” being used in many parts of Uttar Pradesh.

The ministry with an aim of making India open defecation free by October 2, 2019 is overseeing the implementation of Swachh Bharat Mission in villages.

25. PM Narendra Modi launches several projects in Gujarat Prime Minister Narendra Modi visited the poll-bound Gujarat for the third time this month, where he inaugurated and laid foundation stones for a number of projects in Bhavnagar and Vadodara districts. PM Modi inaugurates the first phase of the Rs

615-crore 'roll-on, roll-off (ro-ro)' ferry service between Ghogha in Bhavnagar district and Dahej in Bharuch in the Gulf of Cambay.




In, Vadodara, he inaugurated and laid the foundation stones for projects worth over Rs 1,140 crore.

26. Rajasthan Govt Passes Ordinance to Protect Judges, Babus from Probe The Vasundhara Raje government has passed an ordinance which seeks to protect both serving and former judges, magistrates and public servants in Rajasthan from being investigated for on-duty action without its prior sanction. The Criminal Laws (Rajasthan Amendment)

Ordinance, 2017, promulgated on September 7, also seeks to bar the media from reporting on accusations till the sanction to proceed with the probe is obtained.

27. NORTH KOREA, PAK NOT INVITED FOR

CONSUMER PROTECTION CONFERENCE IN

INDIA India has not invited Pakistan and North Korea to attend the first global conference on consumer protection to be inaugurated by Prime Minister Narendra Modi in New Delhi next week, consumer affairs Minister Ram Vilas Paswan said. The two-day Regional Conference on

Consumer Protection will be held on October 26-27 and will see the participation of 23 countries.

India is organising the event at the request of United Nations Conference on Trade and Development (UNCTAD).

28. Govt to Organise Global Ayurveda Meet In February

The Kerala government will organise an international seminar and ayurveda expo in Kochi in February next year.

The four-day seminar will showcase Kerala's achievements in health tourism, healthcare and ayurveda.

Apart from leading firms and experts in the field, well-known names in the economic and business sectors will also take part in the event.

29. Prez Launches Rs 100 Crore Clean Water Initiative President Ram Nath Kovind launched Mata Amritanandamayi Math's Rs 100 crore clean water initiative for rural India at the math headquarters in Kerala. Kovind, who is on his maiden visit to the

southern state after assuming office, inaugurated the

'Jivamritam' filtration system, envisaged to provide clean drinking water to 10 million villagers across the nation.

30. Prime Minister launches Intensified Mission Indradhanush (IMI) "Let no child suffer from any vaccine-preventable disease". This was stated by Prime Minister Shri

Narendra Modi as he launched the Intensified Mission Indradhanush (IMI) at Vadnagar in Gujarat.

Through this programme, Government of India aims to reach each and every child under two years of age and all those pregnant women who have been left uncovered under the routine immunisation programme.

The special drive will focus on improving immunization coverage in select districts and cities to ensure full immunization to more than 90% by December 2018.

31. PM Lays Foundation Stone For Bhadbhut Barrage Project Prime Minister Narendra Modi laid the foundation stone for the Rs 4,337-crore Bhadbhut Barrage project which aims to stop the ingress of salinity along the Narmada river. Modi, on the second day of his two-day visit to

poll- bound Gujarat, also flagged off a new train between Udhna in Surat and Jaynagar in Bihar.




The prime minister also inaugurated various neem-related projects of the Gujarat Narmada Valley Fertilisers Company Limited (GNFC), and said the idea of 100 per cent neem-coated urea, conceived by his government, has stopped its pilferage and helped in addressing the problem of urea shortage faced by farmers.

32. NMCG Approves Eight Projects Worth Over Rs 700 Crore National Mission for Clean Ganga has approved eight projects worth Rs. 700 crore, out of which four pertain to sewage management in Uttar Pradesh, Bihar and West Bengal, three are related to treatment of drains through bio-remediation and one of inventorization and surveillance of river Ganga.

33. Germany to help Indian Railways to increase speed German Railways will assist Indian Railways to make country's existing rail corridors semi high speed. The semi high speed trains will run at 200 km per hour. A joint declaration of Intent was signed

between Ministry of Railways and Germany in Rail Bhavan regarding carrying out of feasibility study on existing 643 km Chennai-Kazipet corridor of Indian Railways by German Railways for increasing the speed of passenger trains to 200 kmph on 50.50 percent cost sharing basis.

German Railways is likely to undertake more such projects for Indian Railways.

34. MoC between India and Japan on the "Technical Intern Training Program" The Union Cabinet chaired by Prime Minister Shri Narendra Modi has approved the signing of "Memorandum of Cooperation (MoC)" between India and Japan on the "Technical Intern Training Program (TITP)".

35. IALA to Change Its Status to Inter-Governmental Organization The Union Cabinet chaired by the Prime Minister Narendra Modi has given its approval for International Association of Marine Aids to

Navigation and Lighthouse Authorities (IALA) to change its status from Non-Governmental Organization (NGO) to Inter-Governmental Organization (IGO). The move will facilitate “to foster the safe,

economic and efficient movement of vessels". It will bring IALA at par with International Maritime Organisation (IMO) and International Hydrographic Organisation (IHO).

36. Suresh Prabhu kick-starts “Make in India: Sweden 2017” Make in India: Sweden 2017, organized by the Department of Industrial Policy and Promotion in Stockholm, from October 12-13aims to enhance Indo-Swedish cooperation and explore new areas of partnership. Several run-up events and high level meetings

took place a day before the commencement of Make in India: Sweden 2017.

37. Launch of Mobile Health App ‘MedWatch' By the Indian Air Force On the occasion of its 85th anniversary, the Indian Air Force has launched an innovative mobile health App named `MedWatch' in keeping with the Prime Minister's vision of ‘Digital India'. ‘MedWatch’, available on the IAF's AFCEL

network, comprises a host of features that will provide authentic health information to all IAF personnel.

38. DOP launches Sampoorna Bima Gram Yojana The Minister for Communications Shri Manoj Sinha launched the Sampoorna Bima Gram (SBG) Yojana and an initiative for expansion of clientele base of Postal Life Insurance. He said that all villages under the Saansad

Adarsh Gram Yojana will be brought under its ambit.

The Minister said, under Sampoorna Bima Gram (SBG) Yojana, at least one village (having a minimum of 100 households) will be identified in each of the revenue districts of the country, wherein endeavour will be made to




cover all households of that identified village with a minimum of one RPLI (Rural Postal Life Insurance) policy each.

Coverage of all households in the identified Sampoorna Bima Gram village is the primary objective of this scheme.

Shri Sinha said, under the scheme expansion of clientele base of PLI, it has now been decided that benefits of PLI will no more be confined to Government and semi-Government employees, but will also be available to professionals such as Doctors, Engineers, Management Consultants, Charted Accountants, Architects, Lawyers, Bankers etc. and to employees of listed companies of NSE (National Stock Exchange) and BSE (Bombay Stock Exchange).

52. Dr Mahesh Sharma Inaugurates ‘Deep Dharohar’ Dr. Mahesh Sharma, Minister of State (Independent charge) for Culture inaugurated “Deep Dharohar” organized by the Ministry of Culture. The festival was inaugurated by the lighting of

1000 diyas by the participating artists and artisans and children from organisations like the CCRT, SAPNA Prayas and Kailash Satyarthi’s foundation.

53. India to Hold Dubai’s 1st-ever AYUSH Conference in Nov India will hold Dubai’s first-ever AYUSH conference next month to spread awareness about the prevention and management of lifestyle diseases through Yoga and Ayurveda. ‘International AYUSH Conference and

Exhibition 2017’ with the theme of ‘Lifestyle diseases: Prevention and management through AYUSH’ will be organised from November 9-11 by Science India Forum, with the support of Ministry of AYUSH.

54. Rs 10,000-Crore Package to Transform 20 Indian Varsities World Class Prime Minister Narendra Modi announced a corpus of Rs 10,000-crore to be given to top 20 Indian universities for their development, in order to

ensure that the top ranking institutions are counted among the best in the world. Addressing a function on the centenary

celebrations of the Patna University in Bihar, PM Modi said that his government has undertaken “a step forward” towards making 10 private and 10 government universities world class.

Modi said, we will provide an assistance of Rs 10,000 crore to 10 private universities and an equal number of government ones for a period of five years.

55. Hyderabad to Host CFSI's Intl Children's Film Fest Next Month Several film personalities are expected to

attend the 20th International Children's Film Festival (ICFFI) to be held in Hyderabad between November 8 and 14.

The theme for this year's festival is 'New India'. 56. Madhya Pradesh Tops in Digital

Initiatives: Survey Madhya Pradesh has emerged as the top state in

terms of digital initiatives undertaken, with a maximum score of 100.1 on performance index, followed by Maharashtra at 99.9 and Andhra Pradesh at 99.8, says a report by Coeus Age Consulting.

Chhattisgarh (97.4) and Karnataka (95.3) occupied the fourth and fifth positions in the list, respectively.

The report is based on a comparative assessment of digital initiatives by 36 states and Union Territories.

57. Supreme Court Slaps Rs. 2 Lakh Fine On Environment Ministry The Supreme Court today came down heavily on the Union Environment Ministry for not finalising pollution emission standards for industries using pet coke and furnace oil in the national capital region and slapped a cost of Rs. two lakh on it. Terming it as a "completely disgusting state of

affairs", the top court asked the Ministry why the standards were not finalised despite its earlier direction that it should be done on or before June 30 this year.




58. ‘Paika Bidroha’ to Be Named as 1st War of Independence The ‘Paika Bidroha’ (Paika rebellion) of 1817 will find a place in the history books as ‘the First War of Independence’ from the next academic session, HRD Minister Prakash Javadekar said. Mr. Javadekar had first made the

announcement IN Bhubaneswar at a function to mark the bicentenary of the Paika rebellion, and added that the Centre has allocated Rs. 200 crore for commemorating it across the country.

Paikas were peasant militia under the Gajapati rulers of Odisha who rendered military service to the king during times of war.

They rebelled against the British rule under the leadership of Bakshi Jagabandhu Bidyadhara as early as 1817.

59. Deadline To Link Aadhaar With Schemes Extended Till March 31 The deadline for mandatory linking of Aadhaar to avail benefits of various government schemes would be extended till March 31 next year, the Centre told the Supreme Court. It told a bench headed by Chief Justice Dipak

Misra that the deadline for Aadhaar linking to avail benefits of the schemes was to end in December and it has now been decided to extend it till March 31, 2018.

60. India Grants USD 585,000 Aid to Sri Lanka University India has provided equipment and vehicles worth USD 585,000 to a university in Sri Lanka’s Tamil-dominated north as part of its development partnership with the country in the field of higher education. The assistance package was given to develop

agriculture as well as an engineering faculty on the Killinochchi campus of University of Jaffna, Indian High Commission said in a statement.

The material worth USD 585,000 (SLR 90 million) is part of the USD 3.9 million (SLR 600 million) development project to develop the agriculture and engineering departments of the university.

61. BJP to Observe First Anniversary of Demo as ‘Anti-Black Money Day’ Bharatiya Janata Party will celebrate 8 November, first anniversary of the demonetisation move, as ‘anti-black money day’, said Finance Minister Arun Jaitley. Earlier, the Opposition had said that they will

observe 8 November as a ‘black-day’ with nationwide protests and rallies.

Aam Aadmi Party (AAP) has also announced to hold a nationwide protest, “Dhokha Divas”, on 8 November to mark the completion of one year of demonetisation.

62. ‘Letters Of Intent’ For 14 Monuments Under ‘Adopt A Heritage Scheme’ Seven shortlisted companies were given ‘Letters of Intent’ for fourteen monuments under ‘Adopt a Heritage Scheme’ of Ministry of Tourism at the closing ceremony of ‘Paryatan Parv’ at Rajpath Lawns, New Delhi. These companies will be the future ‘Monument

Mitras’ who would associate pride with their CSR activities.

SBI Foundation shortlisted for the adoption of - Jantar Mantar, Delhi.

TK International Limited shortlisted for the adoption of -Sun Temple, Konark, Raja Rani Temple, Bhubaneshwar and Ratnagiri Monuments, Jajpur, Odisha

Yatra Online Pvt. Limited shortlisted for the adoption of: Hampi, Karnataka, Leh Palace, Jammu & Kashmir, Qutub Minar, Delhi and Ajanta Caves, Maharashtra

Travel Corporation of India Ltd. shortlisted for the adoption of: Mattancherry Palace Museum, Kochiand Safdarjung Tomb, Delhi

Adventure Tour Operator Association of India shortlisted for the adoption of : Gangotri Temple Area and Trail to Gaumukh and Mt. StokKangri, Laddakh, Jammu and Kashmir

Special Holidays Travel Pvt. Ltd. (With) Rotary Club of Delhi shortlisted for the adoption of Agrasen ki Baoli, Delhi




NBCC shortlisted for the adoption of Purana Quila, Delhi.

The ‘Adopt a Heritage Scheme’ of Ministry of Tourism was launched on World Tourism Day i.e. 27thSeptember, 2017 by the President of India.

63. Power Minister Addresses The 3rd Global Investors’ India Forum Union Minister of State (IC) for Power and New & Renewable Energy, Shri R. K. Singh addressed the 3rd Global Investors’ India Forum in New Delhi. The theme of the event was ‘Ideate, Innovate,

Implement and Invest in India’ and it was attended by global industry stalwarts.

The event was organized by the ASSOCHAM and witnessed the participation of Global Industry stalwarts, who engaged in an intense discussion with the Minister; and senior officials of the Ministry.

64. Odisha Will Be The 'Focus State' At World Food India-2017 Odisha will be the 'Focus State' in the World Food India (WFI)-2017, a mega international food event to be held at New Delhi from November 3 to 5. More than 200 global companies from 30

countries will be participating in the event.

Besides, 450 domestic companies and leading research and development (R&D) institutes along with 95 Indian industry captains are likely to participate in WFI.

65. Madras Hc Bans Photos Of Living Persons On Banners In Tamil Nadu

The Madras high court banned the use of pictures of living persons on banners and hoardings in Tamil Nadu, where towering cut-outs of politicians and actors are almost a part of the local culture. The court asked Tamil Nadu’s top official to

maintain a clean environment and also ensure that there were “no unnecessary drawings” on buildings and residential places in all wards of the southern state.

It means that pictures of the chief minister, ministers or politicians can no longer be used in posters or hoardings, often put up as a show of strength and support – larger the better.




11. SCIENCE AND TECHNOLOGY

1. QUANTUM SATELLITE COMMUNICATION China is first country to launch Quantum satellite in 2016. Now on Sept 29,2017 first Quantum Communication

line opened between Beijing and Shagai. This is World’s first Quantum communication line. This line is connect to Quantum satellite ‘Micius’ which was launched by China in 2016. Quantum satellite works on photons instead of Electromagnetic radiation, Hence there is no chance for hacking,

tapping, interference etc. 2. VELOCAPTOR The World’s first Velocaptor launched in Dubai by Dubai road transport authority on Sept 29, 2017. To carry passengers from one place to another place. 3. FUXING The World’s fastest bullet train manufactured by China. Maximum speed 350 kmhr. Fuxing connecting Beijing – Shanghai. 4. ECOFRIENDLY BATTERIES Indian Institute of Chemical Technology (IICT, Hyderabad) designed Eco-friendly batteries by using

Magnesium. 5. ROBEE Harvard Scientist developed next generation Hybrid version of Robee, that can fly, dive into water. Swim proper

itself back out of water and land safety. 6. INDIA’S LARGEST FLOATING SOLAR POWER PLANT Place: Banasura [Wayanad district of Kerala] Area: 6000 sq mtrs. Power Generator: 7.5 lakh units per year. 7. FIRST ELECTRIC BUS India’s first electric bus started in Himachal Pradesh. Connecting Manali to Rohtang [51 km length]




12. MILITARY EXERCISES & DEFENCE

TECHNOLOGY MILITARY EXERCISES

S.No Name Countries Place

1. Mitra Shakti India-Sri Lanka Pune

2. Indra India-Russia Russia

3. Druzba Pakistan-Russia Russia

4. Tank Baithon Army game of 18 countries Russia

5. Joint SEA China-Russia Baltic sea

6. Varuna India-France Navy Yet to decide

7. Pralay sahayam Multi Agency Exercise to promote mock drills of Natural calamities

Hussain sagar (Hyderabad)

DEFENCE TECHNOLOGY S.No Name Use

1. INS KILTAR An anti-submarine warfare corvette of the Indian Navy

2. INS TARASA Water Jet Fast Attack Craft.

3. INS VIKRAM Off shore Petrol Vessel

4. INS ARIDHMAN Nuclear-powered ballistic missile submarine being built by India.

5. ASTRA Beyond visual range Air to air Missile




13. APPONTMENTS

Sibi George : Ambassador of India to Switzerland Pooja Kapur : Ambassador of India to the Republic of Macedonia Bilal dar from Srinagar : Ambassador for Swachhata Hi Seva Yuvraj Singh : Laureus ambassador Gautam Bambawale : India's ambassador to China Mridul Kumar : High Commissioner of India to Malaysia Nisha Biswal : US-India Business Council Head Anupam Kher : Chairman Film & Television Institute of India (FTTI) Rajnish Kumar : SBI chairman Mohammad Mustafa : SIDBI's new CMD Balraj Joshi : NHPC Ltd as CMD Rajiv Mehrishi : CAG (Comptroller and Auditor General of India) Arvind Subramanian : Chief Economic Adviser to Indian Government Sunny Verghese : WBCSD Chair from 2018 Jacinda Ardern : New Zealand's PM Angela Merkel : German Chancellor for fourth term France's Audrey Azoulay : UNESCO chief Ukhnaagiin Khürelsükh : Mangolia PM Soumya Swaminathan (India) : Deputy Director of WHO John Ellison (UK) : Deputy Director of WHO Jerome Powell : Chairman of Federal Reserve of America (Central Bank of America)

EXECUTIVE DIRECTORS IN VARIOUS PUBLIC SECTOR BANKS (PSBS)

Bajrang Singh Shekhawat : Executive Director of Central Bank of India. Govind N Dongre : Executive Director at Punjab & Sind Bank. Ajay Kumar Srivastava : Executive Director at Indian Overseas Bank. Matam Venkata Rao : Executive Director at Canara Bank. Kulbhushan Jain : Executive Director at Andhra Bank. Rajesh Kumar Yadhuvanshi : Executive Director at Dena Bank. Chaitanya Gayatri Chinthapalli : Executive Director at Bank of India. S.Krishnan : Executive Director at Syndicate Bank. Lingam Venkata Prabhakar : Executive Director at Punjab National Bank.

GOVERNORS OF STATES B. D. Mishra : Arunachal Pradesh Shri Satya Pal Malik : Bihar Shri Banwarilal Purohit : Tamil Nadu Prof. Jagdish Mukhi : Assam Shri Ganga Prasad : Meghalaya Admiral Devendra Kumar Joshi : Andaman and Nicobar Islands.




14. FIRST ACHIEVEMENTS

S.No. FIRST ACHIEVEMENT PLACE 1. First ITI for Divyangs Dibrugarh (Assam) 2. First state to Slah VAT on fuels Gujarat 3. First ever all India institute of Ayurveda New Delhi (AIIMS) 4. First Aadhar enabled Airport Kempe Gowda (Bengalore) 5. First state Assembly to call Online Motion Rajasthan 6. First Pradan Mantri Kaushal Kendra For skilling in smart

cities New Delhi

7. First war of Indian Independence Paika Rebellion (1817) Odisha. Leader of Paika Rebellion is Bakshi Jagabandhee Bidyadhara

8. First State Capital to get transfer to let Bhopal (Madhya Pradesh) 9. First International Day of Diplomats Oct 24, 2017. Brasilia (Brazil) 10. First Robot in the World to get Citizenship Sophia (Saudi Arabia Citizenship) 11. First time womens allowed to participate in National day

celebrations Saudi Arabia

12. First time women allowed to Drive a car Saudi Arabia 13. First women DGP of Karnataka Neelamani 14. First Electric bus in Country Himachal Pradesh; (Manali to Rohtang ) 15. India’s first Women to sign World Wrestling

Entertainment (WWE) Kavita Devi

16. First women Chief proctor of Banaras Hindu University Royan Singh 17. More no of followers in twitter Donald Trump 18. First non-white became leader of New Democratic party

in Canada Jamgit Singh

19. Akshay Ruparelia (19 years) Youngest billionaires of U.K 20.

First women Scientists who received Doctor of Science from Calcutta University. Recently on her 100th Birthday Anniversary Google Doodle.

Asima Chatarjee

21. First Dalit Pujari of Kerala (Manappuram Shiva Temple) Yedhu Krishnan 22. Times Magazine 2017 (Next generation leaders) Guru mohar Kaur (JNU) 23. Fortune Powerful women-2017 Ana Botin (Banco satander)

5th – Chandha Kocchar [ICICI Bank] 21st – Shika Sharma [ AXIS Bank]

24. Forbes Most Powerful Women of the World-2017 Angela Morkel (Chancellor of Germany) Chanda Kochar (ICICI Bank) - From India got 32nd Rank

25. Forbes top-10 (High earning) High earning through TV serials. 1. Sofia vergara (Colombia) 2. Priyanka Chopra

26. Forbes-Richest Person in India Mukesh Ambani (2.5 lakh crs) 27. Hurons Richest person in India Mukesh Ambani 28. Asia’s Richest Person Mukesh Ambani




15. AWARDS

S. No Award Person Country Contribution 1. SASTRA Prize Maryna Via Zovska Switzerland Mathematics 2. Anna Politkovskaya Gourilankesh India Human Rights 3. Unhcr-Nansen Refugee Zannah Mustapha Nigeria Human Rights 4. Von Hippel Award CN Rao India Reaserch on Super Conductivity 5. National Dairy

Development Board Mulkanoor co-operative society

Telangana Milk Production

6. Heros of Human Rights and Communication and Surveillance

Supreme Court of India

India For the protection of Right to Privacy

7. Lal Bahadhur Shastri Award

Brindeshwar Patak India Sanitation

8. Booker Prize 2017 George Sander USA

Literature (The Linclon in the Bardo)

9. Quality Council of India

Arogyasri Mobile App

Telangana Best Information about health scheme

10. National integrated Tourism state

Gujarat India Best Tourism Place

11. Indiragandhi National Integration Award

TM Krishnan Tamilnadu Carnatic Music

12. 53rd Jnanpith Award Krishna Sobti Gujarath Hindi Writer

SHANTHI SWAROOP BATNAKAR AWARDS 2017 (Highest Award of Science & Technology Field in India)

S.No Recipient Place Specialization

1. Deepak Thankappan Nair Kerala Molecular Biology

2. Sanjeev Das Delhi Cancer biology

3. G. Naresh Patwari Maharashtra Spectroscopy

4. S. Suresh Babu Kerala Atmospheric Aerosols

5. Aloke Paul Karnataka Materials engineering

6. Neelesh B. Mehta Karnataka Wireless communication

7. Amit Dutt Maharashtra Genomics

8. Deepak Gaur Delhi Vaccine Development

9. Nissim Kanekar Maharashtra Astronomy

10. Vinay Gupta Delhi Materials Science




16. INDEXES & COMMITTEES

INDEXES

S.No. Index Name/Report First Rank India Rank

1. Brand Finance Nations report 2017 1. USA

2. China

3

2. Global Hunger Index Central African Republic 100

3. Global Financial Centres index (2017) 1. London 10th IIFC – Gift city (Gujarat)

4. Global Competitive Index (2017) 1. Switzerland 40

5. Best Country for expats 1. Singapore 14

6. Patt’s Top 250 Global Energy Corporation Ratings

1. Gazpom (Russia) 7th Indian Oil Corporation

7. Best Global Bands (2017) 1. Apple

8. Passport index 2017 1. Singapore 75th

9. Safe Cities Index 1.Tokyo 43rd Delhi

10. Ease of doing business Newziland 100th

11. Global Gender gap index Iceland 108th

COMMITTEES S.No Committee Specialization

1. Justice Rohini OBC sub categorization

2. Dineshwar Sharma Interlocutor to Jammu and Kashmir.

3. Rina Mitra Free Movement along India-Myanmar boarder 4. Arun Jaitley Merging of Public Sector banks

5. V.K. Saraswat To frame road map to manufacture light weight guns to

Indian army.

6. Janak Raj To review Implementation of Marginal cost of fund based

lending rate (MCLR)

7. Himanta Biswa Sarma (Assam Finance Minister)

To review composite scheme of GST.

8. Uday Kotak Corporate governance of Companies as per company Act

2013.

9. Yeshwanth. M. Deostnale Public Credit Registry Preparation 10. R. Gandhi Market Infrastructure Institutions (MII) (SEBI Appointed)




17. SPORTS

India win’s first ever ‘Whushu’ world championship gold Pooja Kadian become the first Indian place Kazan (Russia) India ‘s first portal Dedicated to ‘Para-Sports’ The nationspride.com is country’s first portal

dedicated. Non-profit in future By SACH MUNOT”

WORLD OPEN UNDER -16 SNOOKER-

CHAMPIONSHIP: St.petersburge (Russia) Anupama Ramachandran. Rafel Nadal wins: China open title

ICELAND: Smallest country to Qualify for 2018 World Cup

which are going to be held in 2018 (Russia) First time participates Iceland and Panama. FIFA suspends Pakistan foot ball federation (PFF)

Finances are regulated by court Admistraters.

WORLD ARCHERY YOUTH CHAMPIONSHIP: Rosario (Argentina) Mixed pair:

Gold + Medal Jemson Ningthoujam + Ankita Bharat.

ASHIS NEHRA Indian bowler (Cricket) Retried on Nov 1st, 2017. 235 wickets: (a) 120 ODI (b) 26 T-20 (c) 17 Test

INDIA BEAT MACAU to Qualify for 2019 Asia cup 2019 FC Asian cup venue is UAE 1984, 2011 India Participated.

HOCKEY ASIA CUP: 2017 VENUE: DAKHA FINAL: INDIA (VS) MALASIA

India won cup in 2017 against Malasia. This is third time to win cup

(2003, 2007, 2017) Captain: Sardar Singh Gold: India Silver: Malasia Bronze: Pakistan

KIDAMBI SRIKANTH WON FOUR SUPER SERIES

IN 2017 (BADMINTON) They are as follows:

(a) Indonesia (b) Australia (c) Denmark (d) French Open Denmark: Kidambi Srikanth (India) (vs) Lee

Hyen (South Korea) French open: Kidambi Srikanth Vs Kenta Nish

Moto (Japan) Both Denmark and French won by Kidambi

Srikanth and became first Indian Badminton Player to won four series in a year 2017.

2018 HOCKEY WORLD CUP Venue: Bubaneswar (India) For the first time in history, China qualifier for

Hockey World Cup 2018. Under 17 FIFA FOOT BALL World Cup 2017

Venue: India Final: England Vs Spain England won the World cup Golden Boot : Riyan Booster (England)

PROKABADDI LEGUE Final: Patna Vs Gujarath lions Patna won title and this is the 3rd title to Patna pyrates.(Two titles in 2016, one title in 2017)

Virat Kohli Fastest Cricketar to score 9000 runs in one day international matches. 2nd Highest centuries: 32 after Sachin Tendulkar (49)




18. SUMMITS (OCT-2017)

S.No Summit Venue 1. ASEAN – India music festival New Delhi 2. India – European Union Summit New Delhi 3. International Conference on Dialogue of Civilization –IV New Delhi 4. BIMSTEC Disaster Management Conference New Delhi 5. 3rd International Yoga Conference New Delhi 6. 48th Governor’s Summit New Delhi 7. Global Wildlife Programme New Delhi 8. 8th SAARC speakers and Parliamentarian Summit Colombo (Sri Lanka)

9. The world Govt. Summit (Feb 2018) Dubai (UAE) India is a guest country

for World Govt. Summit. 10. G-20 Finance Minister Washington. 11. Common Wealth Parliamentary Summit Dhaka (Bangladesh) 12. International Science Festival Chennai 13. World Youth festival Russia 14. Rashtriya Sanskriti Mahostav Ahmedabad 15. Women of India Organic Festival New Delhi 16. Global Entrepreneurship summit Hyderabad 17. Global Medical Conference Chandigarh 18. World Food India Summit New Delhi

19. IMPORTANT BOOKS AND AUTHORS S.No. Books Author

1. Mahatma on the speech: Gandhi and Cricket in India Kaushik Bandhopadhyay 2. The coalition years: (1996-2012) Pranab Mukarjee (Former President of

India) 3. Securing India: The Modi way Nitin Gokhale 4. Dream Nation: Uniting A country with Handwritten

dreams Saji Mathew, Jubi John

5. Hema Malini Beyond a dream Girl Ram Kamal 6. Those Eventful days Vidya Sagar Rao (Maharashtra Governor) 7. India @[email protected] Ashok Malik & Bibek Debroy 8. The Shershah of Kargil Deepika Surana 9. AtoZ financial Management Rajat Bhargava and Shri Deenath Pathak

10. How India Sees The world: From Kautilya to 21st Century

Shyam Saran


mailto:@[email protected]



20. IMPORTANT DAYS

S.No Date Day Theme

1. September 27 World Tourism day Sustainable tourism- A tool of

Development

2. September 28 World Maritime Day Connecting ships ports and people

3. September 28 World Rabies Day Rabies Zero by 2030

4. October 1 International Day for Older persons Stepping into the future, tapping the talent

and contribution and Participation of older persons in society

5. October 2 International Non-Violence Day

6. October 4 World Wild Life Protection Day

7 October 5 World Teachers Day Teaching in freedom Empowering

Teachers

8. October 10 World Mental Health day Mental Health in Work place

9. October 11 Inter National Girl child day Empower Girl before during after crisis

10. October 13 International Day for Disaster Risk

Reduction Safe Home Reducing Exposure, Reducing Displacement

11. October 14 World Standards Days Standards makes cities smarter.

12. October 15 World Students Day

13. October 16 World Food day Change the future of Migration investment

in food security and Rural development.

14. October 17 International Day for Eradication of

Poverty Answering the call of Oct 17 to end poverty. A path towards peaceful Inclusive societies.

15. October 20 World Statistical Day -

16. October 24 UNO Foundation Day -

17. October 31 National Unity Day -

18. October 31 World Savings day -

* * * * *


IBPS OFFICE ASSISTANTS MAINS MODEL PAPER



IBPS RRB OFFICE ASSISTANT MAINS

REASONING Directions (1-5): Study the following information

carefully to answer the given questions: A, B, C, D, E, F and G are seven people, live on

seven different floors of a building but not necessarily in the same order. The lowermost floor of the building is numbered 1, the one above that is numbered 2 and so on till the topmost floor is numbered 7. Each one of them earns different amount per month. i.e20000, 15000, 10000, 25000,30000, 35000 and 40000. (But not necessarily in the same order.). Each person likes different e-commerce websites namely Myntra, Shopclues, Jabong, Snapdeal, Flipkart, Amazon, and E-bay.

Three persons live between the one who likes Myntra and the one who likes Shopclues. The one who likes Myntra lives one of the floors above the floor numbered 4. Three persons live between the one who likes Flipkart and the one who likes Ebay. The person who lives on the ground floor does not like neither Jabong nor Shopclues. The one who likes Jabong lives on one of the floors below the floor numbered 4. The person who likes Amazon does not live on one of the floors below the floor numbered 4. Persons who like Myntra and Flipkart live on one of the floors above the floor numbered 4. The person who lives on the top most floor does not like Myntra. The one who earns Rs.20000 lives immediately above the one who earns Rs.40000. The one who earns Rs.15000 lives on one of the odd numbered floors above D. Only three people live between C and the one who earns 15000. The one who earns Rs.10000 lives immediately above C. F earns 10000. Three persons live between the one who likes Amazon and the one who likes Jabong. Only one person lives between B and E. B lives on one of the floors above E. Neither C nor A earns Rs.25000. E does not earn Rs. 10000. A lives on an odd numbered floor but not on the floor numbered three The one who earns Rs.30000 lives immediately above A. Only two people live between A and the one who earns Rs.10000.

1. Which among the following is the salary of B? (a) Rs. 20000 (b) Rs. 40000 (c) Rs. 35000 (d) Rs. 30000 (e) None of these

2. Which of the following combination is true as per the given arrangement? (a) A – 15000 – Flipkart (b) C – 30000 – Snapdeal (c) B – 35000 – Jabong (d) F – 20000 – Ebay (e) None of these

3. Who among the following lives in floor no 3? (a) A (b) C (c) D (d) F (e) None of these

4. Four among the following form a group in a certain way. Which of the following does not belong to Group? (a) G – 15000 (b) A – 40000 (c) B–20000 (d) F – 40000 (e) E – 10000

5. Who among the following likes E-bay? (a) A (b) C (c) D (d) F (e) None of these Directions (6-10): Study the following information

to answer the given questions: In a certain code language, ‘Enjoy the beautiful Life’ is written as ‘11 < = 51 41 >> 11 5 << 25 25 > !11’ ‘Butterfly is so beautiful’ is written as ‘5 < = 51 19 < > 39 39 > ! 31 5 << 25’ ‘Jani Enjoy the game’ is written as ’21 > < 19 11 < = 51 41 >> 11 15 >< 11’ ‘Life is twisted One’ is written as ‘25 > !11 19 <> 39 41 > ! 9 31 > =11’

6. What is the code for the word ‘paint’? (a) 33 << 41 (b) 25 > !11 (c) 31 > = 11 (d) 19 <> 39 (e) None of these

7. The code word ‘21><19’ represents which of the following word? (a) Enjoy (b) Game (c) Jani (d) The (e) None of these

8. Find the code word for ‘Beautiful Butterfly’? (a) 5 < = 51 and 5 << 25 (b) 11 < = 51 and 5 < = 51 (c) 41 >> 11 and 5 << 25 (d) 5 << 25 and 5 < = 51 (e) None of these




9. What is the code word for ‘coding’? (a) 5 << 13 (b) 5 < = 13 (c) 7 < !15 (d) 7 >> 15 (e) None of these

10. What is the code word for ‘Can You Join’? (a) 9 >< 20 5 > = 42 21 < !29 (b) 7 << 29, 51 > !43, 21 < !29 (c) 8 <> 29 51 >> 43 21< = 29 (d) 6 < !25 11 > !43 21 < !29 (e) None of these Directions (11-15): Study the following

information carefully and answer the question given below:

Eight people P, Q, R, S, T, U, V and W are sitting around a circular table, facing the centre Each of them is drinking a different beverages - Tea, Coffee, Juice, Mineral Water, Lemonade, Cola, Coconut Water and Milk, but not necessarily in the same order. Q is sitting second to the left of U. The person drinking Milk is an immediate neighbour of U. Only one person sits between the person drinking Mineral water and P. The person drinking coffee is on the immediate right of the person drinking Mineral water. W is second to the right of U. S is drinking milk. R and T are immediate neighbours. Neither R nor T is drinking mineral water. The person drinking lemonade is on the immediate left of Q. The person drinking Cola is second to the right of person drinking Coffee. The person drinking coconut water is an immediate neighbour of the person drinking Mineral water. R is second to the right of the person drinking Tea 11. Who is second to the right of P?

(a) Q (b) R (c) S (d) T (e) U 12. Who among the following is drinking Coconut

water? (a) Q (b) V (c) W (d) U (e) T

13. What is the position of V with respect to the person drinking Milk? (a) Third to the left (b) Second to the right (c) Second to the left (d) Third to the right (e) Immediate right

14. Four of the following five are alike in a certain way based on the given arrangement and hence form a group. Which of the following does not belong to the group?

(a) Tea – S (b) Juice – W (c) Mineral water – T (d) Lemonade – V (e) Cola - U

15. Which of the following person is drinking Tea? (a) P (b) R (c) T (d) V (e) W Direction (16-20): Study the information given

below and answer the given questions. Ten friends are sitting on twelve seats in two

parallel rows containing five people each, in such a way that there is an equal distance between adjacent persons. In row 1: A, B, C, D and E are seated and all of them are facing south, in row 2: Z, Y, X, W and V are sitting and all of them facing north. One seat is vacant in each row. Therefore, in the given seating arrangement each member seated in a row faces another member of the other row. All of them are from different countries i.e. India, China, South Korea, Japan, Nepal, USA, Pakistan, Sri Lanka, Turkey, and Afghanistan. Y is three seats away from vacant seat. Y does not belong to Nepal, India and Sri Lanka. E is not an immediate neighbour of C. B is from Afghanistan. Vacant seat of row 1 is not opposite to W and is also not at any of the extreme ends of Row 1. The one who is from China sits opposite to the one, who sits third to the right of the seat, which is opposite to W. C is not an immediate neighbour of D. V who is neither from Nepal nor USA, does not face vacant seat. D faces X, the vacant seats are not opposite to each other. Two seats are there between C and B, who sits third right of the seat, on which the person who is from Pakistan is sitting. W sits third to the right of seat on which X sits and hails from Japan. The person from Turkey faces the one who is from Japan. The person who comes from India and Sri Lanka are adjacent to each other. The vacant seat in row 1 is not adjacent to D. Y sits at one of the extreme ends. E neither comes from Turkey nor faces the seat which is adjacent to the one who is from USA. The one who is from Nepal is not to the immediate right of the one who hails from Japan. The person who is from South Korea doesn’t face the person who is from Sri Lanka. 16. Which of the following persons group sit at the

extreme ends? (a) A, B, Z, Y (b) D, E, X, W (c) E,C,V,Y (d) V, W, B, E (e) None of these




17. Which of the following does not fit in the group? (a) V-Sri Lanka (b) A-USA (c) W-Pakistan (d) B-Japan (e) None of these

18. What is the position of vacant seat in row 1 with respect to the person who hails from India? (a) 3rd to the left (b) Immediate right (c) Immediate left (d) 2nd to the right (e) None of these

19. What is the position of Z with respect to V? (a) 3rd to the left (b) 2nd to the left (c) 3rd to the right (d) Immediate right (e) None of these

20. Which of the following statement is definitely false? (a) A and E are immediate neighbour (b) Y sit at the extreme end (c) Z and X are immediate neighbours of vacant

space (d) Z faces the vacant space (e) None of these Directions (21-22): Study the following

information to answer the questions given below it. Point S is 16m towards west of Point P. Point Q is 6m towards south of Point S. Point U is 10m towards south of Point S. Point T is 8m towards east of Point Q. Point R is 6m towards north of Point T. Point V is 6m towards south of Point P.

21. P is in which direction with respect to T? (a) East (b) North (c) Northeast (d) West (e) Southeast

22. Which of the following points are in a straight line? (a) S, R, T (b) Q, T, V (c) Q, T, U (d) P,V, T (e) P, Q, T Directions (23-27): In the following questions, the

symbols @, #, $, % and ⋆ are used with different meanings as follows.

‘P @ Q’ means “P is not smaller than Q’. ‘P # Q’ means ‘P is not greater than Q’. ‘P $ Q’ means ‘P is neither greater nor smaller than Q’. ‘P % Q’ means ‘P is neither smaller than nor equal to Q’ ‘P ⋆ Q’ means ‘P is neither greater than nor equal to Q’.

In each of the following questions assuming the given statements to be true, find out which of the four conclusions I, II, III and IV given below them is/are definitely true. 23. Statements: L # T; D @ H; T ⋆ D; H $ K

Conclusions: I. K ⋆ D II. K # D III. L ⋆ D IV. K $ L (a) I and III are true (b) II and III are true (c) III and IV are true (d) I and II are true (e) None of these

24. Statements: E $ F, I % K; L ⋆ K; F @ I; Conclusions: I. E @ I III. L ⋆ F III. F % K IV. E % K (a) None is true (b) I and II are true (c) II and III are true (d) I, II and III are true (e) All are true

25. Statements: R @ J; F # M; J ⋆ F; M % V Conclusions: I. J % V II. R @ M III. J # V IV. R ⋆ M (a) Either I or III is true (b) Either II or IV is true (c) II and III are true (d) Either I or III and either II or IV are true (e) None of the above

26. Statements: V % W; Z @ T; W # Z; T $ H Conclusions: I. Z % H II. V @ Z III. V ⋆ Z IV. Z @ H (a) Either II or III is true (b) Only I is true (c) Only IV is true (d) I and II are true (e) None of the above

27. Statements: H % L; Q ⋆ R; L @ Q; R # N Conclusions: I. H @ Q II. H % Q III. N @ Q IV. N % Q (a) I and III are true (b) II and III are true (c) II and IV are true (d) All are true (e) None of these Directions (28-32): Study the following

information carefully and answer the questions given below:

A country’s Prime Minister has 8 scheduled meetings in the month of March and July of same year. There are 4 meetings in each month. The meetings are scheduled on 1st, 10th, 14th and 26th of both months. The meetings are scheduled in different countries –




France, Nepal, China, USA, Singapore, UK, Indonesia, and Russia in any order. All the meetings are scheduled for different number of days from 1 to 8. If the meeting is scheduled on 1st, then that day will be counted and same for all dates.

The meeting on 10th July is for 3 days. The number of days for the meeting in Russia is less than the number of days for meeting started on 10th July. There is 1 meeting scheduled after China. The total number of days allotted to the meetings in France and USA is 8. There is no meeting between the meetings in France and USA. The meetings in China and France are not on same dates. The meeting in USA is on 10thof any month. There are 2 meetings scheduled between the meetings in Singapore and the one scheduled for 5 days. The meeting in Singapore is before the meeting scheduled for 5 days. The meeting in Singapore and the one scheduled for 7 days is on same date. The meeting in USA is before the meeting in Russia. The meeting in UK is scheduled for 4 days. The total number of days allotted to the meetings in Indonesia and Russia is 8. The meeting which is scheduled for 1 day is in March. 28. How many days are scheduled for the meeting in

China? (a) Other than those given in options (b) 2 (c) 5 (d) 7 (e) 3

29. How many meetings are scheduled between the meetings in USA and Singapore? (a) 1 (b) 4 (c) 2 (d) None (e) 3

30. How many meetings are scheduled after meeting in Russia? (a) None (b) 3 (c) 2 (d) 4 (e) 5

31. The country in which meeting is scheduled for 6 days is (a) USA (b) France (c) Singapore (d) China (e) Nepal

32. Meeting in Indonesia is scheduled on which date? (a) 26th (b) 14th (c) 1st (d) 10th (e) Cannot be determined Directions (33-35): Study the following

information carefully to answer these questions. ‘A $ B’ means ‘A is wife of B’ ‘A # B’ means ‘A is son of B’ ‘A % B’ means ‘A is father of B’ ‘A B’ means ‘A is sister of B’

33. Which of the following expressions represents the relationship ‘T is brother of H’? (a) HT%K (b) TH%K (c) H#K%T (d) HK%T (e) None of these

34. In HT#F%L, how is H related to L? (a) Cousin (b) Brother (c) Sister (d) Can’t be determined (e) None of these

35. Which of the following expressions represent the relationship ‘R is mother of J’? (a) MJ#K$R (b) HJ#R$K (c) J#R#T (d) R$K%M$J (e) None of these Directions (36-40): In each of the questions below

are given four statements followed by four conclusions numbered I, II, III and IV. You have to take the three given statements to be true even if they seem to be at variance with commonly known facts and then decide which of the given conclusions logically follows from the four given statements disregarding commonly known facts. 36. Statements:

Some stones are rocks. All rocks are boulder. Some boulders are mountains. All hills are mountains. Conclusions: I. Some stones are mountains. II. Some hills are boulders. III. Some boulders are stones. IV. All mountains are hills. (a) None follows (b) Only II follows (c) Only II and III follows (d) Only III follows (e) None of the above

37. Statements: All arrows are bows. All bows are swords. Some swords are daggers. All daggers are knives. Conclusions: I. All knives are bows. II. Some swords are daggers. III. All bows are arrows. IV. All arrows are swords. (a) Only II follows (b) Only II and IV follows (c) Only III and IV follows (d) Only I and III follows (e) None of the above




38. Statements: Some pianos are violins. Some violins are drums. All drums are guitars. No guitar is a flute. Conclusions: I. Some guitars are pianos. II. Some drums are flutes. III. Some pianos are drums. IV. No flute is a drum. (a) None follows (b) Only I follows (c) Only either II or IV follows (d) Only IV follows (e) None of the above

39. Statements: Some airplanes are helicopters. All helicopters are gliders. All gliders are kites. All kites are balloons. Conclusions: I. Some helicopters are balloons. II. All kites are airplanes. III. All balloons are gliders. IV. All helicopters are kites. (a) Only IV follows (b) Only either II or III follows (c) Only III follows (d) Only I follows (e) None of the above

40. Statements: All kings are warriors. All soldiers are warriors. All sentries are warriors. Some sentries are soldiers. Conclusions: I. Some sentries are kings. II. All warriors are soldiers. III. Some warriors are sentries. IV. Some soldiers are kings. (a) None follows (b) Only I follows (c) Only II follows (d) Only II and III follows (e) Only III follows

QUANTITATIVE APTITUDE Directions (41-45): The table shows the number of magazines sold by 6 stores in 5 different months.

Months Stores

A B C D E F March 640 720 800 780 750 - April - 720 820 800 - 730 May 600 - 840 720 650 710 June 700 850 - 840 750 920 July 850 840 900 - 870 890

41. If the total number of magazines sold by store C is 4295, then what is the ratio of the magazines sold by C, D and E together in June to the number of magazines sold by A, B and C together in July? (a) 605 : 218 (b) 505 : 518 (c) 301 : 418 (d) 265 : 373 (e) None of these

42. If the ratio of the number of magazines sold by A in April to the number of magazines sold by B in May is 3 : 4 and the total number of magazines sold by B is 20% more than that sold by A, then the number of magazines sold by A in April is approximately what percent of the total number of magazines sold by A? (a) 37% (b) 47% (c) 43% (d) 64% (e) 33%

43. If the number of magazines sold in July by store D is 5% more than that in the previous month and the number of magazines sold in April by store E is 10% less than that in the previous month, then what is the difference between the number of magazines sold by all the stores in July and the number of magazines sold by E in all the months? (a) 1243 (b) 1730 (c) 1929 (d) 1537 (e) 1335

44. If the number of magazines sold by F in March is 15% more than that sold by A in March, then what is the approximate average number of magazines sold by F in the given five months? (a) 797 (b) 597 (c) 475 (d) 372 (e) 901

45. If 920 magazines are sold in June by Store C and 780 magazines are sold in July by Store D then the total number of magazines sold in July is how much more than the number of magazines sold in June? (a) 200 (b) 100 (c) 150 (d) 50 (e) None of these




Directions (46-50): In the following number series only one number is wrong. Find out the wrong number. 46. 7, 56, 442, 3089, 18532, 92647, 370586

(a) 442 (b) 92647 (c) 18532 (d) 3089 (e) None of these

47. 8000, 3200, 1280, 512, 204.8, 84.92, 32.768 (a) 512 (b) 84.92 (c) 204.8 (d) 1280 (e) None of these

48. 898, 906, 933, 996, 1122, 1338, 1681 (a) 906 (b) 933 (c) 1122 (d) 1338 (e) 996

49. 4, 55, 576, 4209, 21280, 64083, 64204 (a) 4209 (b) 576 (c) 21280 (d) 64204 (e) None of these

50. 3, 6, 16, 47.5, 154.5, 558.5, 2257 (a) 2257 (b) 47.5 (c) 154.5 (d) 558.5 (e) None of the above

Directions (51-55) : Study the following graph carefully and answer the questions given below. Percentage increase in the sale of four commodities A, B, C and D in different months over the previous months

in 2015.

51. If the sale of commodity B in April is 6250 then the sale of same commodity in July is (a) 12250 (b) 17150 (c) 25725 (d) 18375 (e) None of these

52. If the sale of commodity C in May is 7020 then its sale in February is (a) 2871 (b) 3263 (c) 3200 (d) 4320 (e) None of these

53. If the percentage increase for the commodity A in 2016 is same as that in 2015 and its sale in August is increased by 20% in 2016 than in 2015. Then the ratio of its sale in April in 2015 to 2016 is: (a) 5 : 6 (b) 6 : 5 (c) 4 : 5 (d) Cannot be determined (e) None of these

54. What is the percentage increase in the sale of commodity D from February to May? (a) 98% (b) 58.8% (c) 80% (d) Cannot be determined (e) None of these

55. What is the percentage increase in the percentage increase of sale from February to March for all commodities together? (a) 21 % (b) 20% (c) 21% (d) Cannot be determined (e) None of these Directions (56-60): In the following questions two

equations I and II have been given. You have to solve both equations and Give answer If

(a) x > y (b) x ≥ y (c) x < y (d) x ≤ y (e) x = y or the relation cannot be established.




56. I. 6x2 + 23x + 20 = 0 II. 6y2 + 31y + 35 = 0

57. I. x2 = 81 II. y2 – 18y + 81 = 0

58. I. 4x2 + 20x + 21 = 0 II. 2y2 + 17y + 35 = 0

59. I. x2 -14x + 48 = 0 II. y2 + 6 = 5y

60. I. 38x2 -3x -11 = 0 II. 28y2 + 32y + 9 = 0

Directions (61-65): Answer the questions on the basis of the information given below: The pie-charts show the percentage of shirts manufactured of shirts manufactured by two companies A and B in the year 2016

61. What is the average number of Cotton, Nylon and Silk shirts manufactured by both Company A and B together? (a) 28950 (b) 28980 (c) 25890 (d) 25850 (e) 25980

62. If Company A exports 75% and 25% Linen shirts and Khadi shirts respectively and company B exports 55% and 25% of the Cotton shirts and Khadi shirts respectively, then what is the difference between the number of shirts exported by Company A and that by Company B? (a) 5757 (b) 5357 (c) 5467 (d) 5857 (e) 6457

63. The number of Nylon, Silk and Khadi Shirts manufactured by Company A is approximately what percent more in comparison to the number of Linen and Khadi shirts manufactured by Company B? (a) 17% (b) 15% (c) 7% (d) 10% (e) 8%

64. If the costs of a piece of Cotton shirt and a Silk shirt of Company A are Rs. 700 and Rs. 1500 respectively then what is the total cost price of both types of shirts together? (in Rs. thousands) (a) 18584 (b) 15884 (c) 19458 (d) 19584 (e) 18854

65. What is the ratio of the number of Cotton shirts of Company A to the number of Cotton shirts of Company B? (a) 204 : 209 (b) 204 : 229 (c) 205 : 229 (d) 209 : 204 (e) 204 : 205 Directions (66-67): Answer the following

questions on the basis of the following information: (i) Trains A and B are travelling on the same route

heading towards the same destination. Train B has already covered a distance of 220 km before train A started.

(ii) The two trains meet each other 11 hours after the start of train A

(iii) Had the trains been travelling towards each other (from a distance of 220 km), they would have met after an hour.

66. What is the speed of train A in kmph? (a) 102 (b) 118 (c) 81 (d) Data inadequate (e) None

Cotton25%

Nylon10%Silk

15%Khadi15%

Linen35%

The number of shirts manufactured by

Company A = 48960

Cotton30%

Nylon12%Silk

18%

Khadi12%

Linen28%

The number of shirts manufactured by

Company B = 45800




67. What is the speed of train B in kmph? (a) 150 (b) 136 (c) 100 (d) 120 (e) Data inadequate

68. A water tank having 1000 liter capacity was filled by adding 39 liters of water and as many buckets of water as each bucket had capacity. The capacity of each bucket is (a) 19.5 (b) 480.5 (c) 31 (d) 25.6 (e) Data inadequate

69. In a stream, running at 3 kmph, a motorboat goes 12 km, upstream and returns to the starting point in 128 minutes. What is the speed of the motor boat in still water? (in kmph) (a) 20 (b) 12 (c) 16 (d) 18 (e) None of these

70. Ratio of selling price of 3 articles, A, B and C is 8 : 9 : 5 and the ratio of percentage profit is 8 : 7 : 14, respectively. If the profit percentage of A is 14.28% and the cost price of B is Rs. 400, then what is the overall percentage gain? (a) 14.28 (b) 17.87 (c) 16.66 (d) 18.25 (e) None of these

71. The compound interest accured on an amount of Rs. 25500 at the end of 3 years in Rs. 8440.50. What would be the simple interest accured on the same amount at the same rate in the same period? (a) Rs. 4650 (b) Rs. 5650 (c) Rs. 6650 (d) Rs. 7650 (e) 3890

72. Two pipes A and B can fill a cistern in 15 h and 10 h, respectively. A tap C can empty the full cistern in 30h. All the three taps were open for 2 h, when it was remembered that the emptying tap had been left open. It was then closed. How many hours more would it take for the cistern to be filled? (a) 30 min (b) 1.2 h (c) 24 min (d) 35 min (e) 55 min Directions (73-74): Study the given information

carefully to answer the questions that follow. A committee of 6 teachers is to be formed out of 4

Science teachers, 5 Arts teachers and 3 Commerce teachers. In how many different ways, can the committee be formed, if 73. Two teachers from each stream are to be included?


74. No teacher from the commerce stream is to be included? (a) 81 (b) 62 (c) 46 (d) 84 (e) None of these

75. A jar contains a mixture of two liquids A and B in the ratio 4 : 1. When 10 L of the mixture is taken out and 10L of liquid B is poured into the jar, the ratio becomes 2 : 3. How many liters of liquid A was contained in the jar? (a) 14 L (b) 18 L (c) 20 L (d) 16L (e) 25 L

76. The average age of boys in class is 16.66, while the average age of girls is 18.75. Thus, the average age of all the 40 students of the class is 17.5. If the difference between the number of boys and girls is 8, then the number of girls in the class is (a) 12 (b) 16 (c) 18 (d) Data insufficient (e) None of these

77. C is twice efficient as A, B takes thrice as many days as C. A takes 12 days to finish the work alone. If they work in pairs (i.e., AB, BC,CA) starting with AB on the first day, then BC on the second day and AC on the third day and so on, then how many days are required to finish the work? (a) 6 days (b) 4.5 days (c) 5 days (d) 8 days (e) 12 days

78. Ganga, Jamuna and Saraswathi can do a piece of work, working together, in 1 day, Ganga is thrice efficient as Jamuna and Jamuna takes the twice the number of days as Saarswathi takes to do it alone. What is the difference between the number of days taken by Ganga and Saraswathi? (a) 1 (b) 2 (c) 3 (d) 4 (e) None of these

79. A rectangular plot, 36 m long and 28 m broad, has two concrete roads 5 m wide running in the middle of the park, one parallel to the length and the other parallel to the breadth. What would be the total cost of gravelling the plot; excluding the area covered by the roads, @ 3.60 per sq. m? (a) Rs. 2772.20 (b) Rs. 2466.60 (c) Rs. 2654.40 (d) Rs. 2332.60 (e) Rs. 2566.80

80. The average weight of 3 men A, B and C is 84 kg. Another man D joins the group and the average now becomes 80 kg. If another man E, whose weight is 3 kg more than that D, replaces A then the average weight of B, C, D and E becomes 75 kg. The weight of A is (a) 70 kg (b) 72 kg (c) 79 kg (d) 78 kg (e) None of these




GENERAL ENGLISH Directions (81-90): Read the following passage

carefully and answer the questions given below it. Certain words /phrases are printed in bold to help you locate them while answering some of the questions.

Promotion of a digital economy is an integral part of Government’s strategy to clean the system and weed out corruption and black money. It has a transformative impact in terms of greater formalisation of the economy and mainstreaming of financial savings into the banking system. This, in turn, is expected to energise private investment in the country through lower cost of credit. India is now on the cusp of a massive digital revolution.

A shift to digital payments has huge benefits for the common man. The earlier initiative of our Government to promote financial inclusion and the JAM trinity were important precursors to our current push for digital transactions. Already there is evidence of increased digital transactions. The BHIM app has been launched. It will unleash the power of mobile phones for digital payments and financial inclusion. 125 lakh people have adopted the BHIM app so far. The Government will launch two new schemes to promote the usage of BHIM; these are, Referral Bonus Scheme for individuals and a Cashback Scheme for merchants.

Aadhar Pay, a merchant version of Aadhar Enabled Payment System, will be launched shortly. This will be specifically beneficial for those who do not have debit cards, mobile wallets and mobile phones. A Mission will be set up with a target of 2,500 crore digital transactions for 2017-18 through UPI, USSD, Aadhar Pay, IMPS and debit cards. Banks have targeted to introduce additional 10 lakh new PoS terminals by March 2017. They will be encouraged to introduce 20 lakh Aadhar based PoS by September 2017. Increased digital transactions will enable small and micro enterprises to access formal credit. Government will encourage SIDBI to refinance credit institutions which provide unsecured loans, at reasonable interest rates, to borrowers based on their transaction history.

The digital payment infrastructure and grievance handling mechanisms shall be strengthened. The focus would be on rural and semi urban areas through Post

Offices, Fair Price Shops and Banking Correspondents. Steps would be taken to promote and possibly mandate petrol pumps, fertilizer depots, municipalities, Block offices, road transport offices, universities, colleges, hospitals and other institutions to have facilities for digital payments, including BHIM App. A proposal to mandate all Government receipts through digital means, beyond a prescribed limit, is under consideration. Government will strengthen the Financial Inclusion Fund to augment resources for taking up these initiatives. Government will consider and work with various stakeholders for early implementation of the interim recommendations of the Committee of Chief Ministers on digital transactions.

The Committee on Digital Payments constituted by Department of Economic Affairs has recommended structural reforms in the payment eco system, including amendments to the Payment and Settlement Systems Act, 2007. Government will undertake a comprehensive review of this Act and bring about appropriate amendments. To begin with, it is proposed to create a Payments Regulatory Board in the Reserve Bank of India by replacing the existing Board for Regulation and Supervision of Payment and Settlement Systems. Necessary amendments are proposed to this effect in the Finance Bill 2017. As we move faster on the path of digital transactions and cheque payments, we need to ensure that the payees of dishonoured cheques are able to realize the payments. Government is therefore considering the option of amending the Negotiable Instruments Act suitably. 81. What is the aim of digital economy according to

this passage? (a) to earn money in digits (b) to energies private investment in the country

through lower cost of credit. (c) an economy where people borrow from

government. (d) a system that checks hawala money. (e) None of these

82. How many additional new PoS terminals will be introduced by Banks till March 2017. (a) 20 lakh (b) 5 lakh (c) 15 lakh (d) 10 lakh (e) None of these




83. What is the name of the App that has provided increased digital transactions? (a) POCKETS (b) SBI BUDDY (c) UPI (d) BHIM (e) None of these

84. How many people have adopted the BHIM app so far? (a) 125 lakh (b) 125 crore (c) 125 million (d) 15 lakh (e) None of these

85. Which of the following is inappropriate statement according to the given Passage? (a) Aadhar Pay, a merchant version of Aadhar

Enabled Payment System, will be launched shortly

(b) Digital Economy will help to weed out the corruption from the system

(c) Government is considering the option of amending the Negotiable Instruments Act suitably.

(d) The Increased digital transactions will disable small and micro enterprises to access formal credit.

(e) None of these 86. What will be the appropriate Title for the given

passage? (a) Digital Money (b) Online Transactions (c) Digital Economy (d) Economical Survey (e) None of the above

87. Name the Scheme to be launched shortly by the government which will be beneficial for those who do not have debit cards, mobile wallets and mobile phones (a) UPI (b) Aadhar Pay (c) Jan Dhan Yojna (d) BHIM (e) None of the above

88. What are the two new schemes to be launched by The Government to promote the usage of BHIM? (a) Unlimited free transactions for pregnant

women and cash back for merchants (b) Cash back for senior citizens and free

download for kids (c) Referral Bonus Scheme for individuals and a

Cash back Scheme for merchants. (d) Referral Bonus Scheme for merchants and a

Cash back Scheme for individuals. (e) None of the above

89. What is the meaning of the phrase ‘Weed out’ as used in the given passage? (a) to eliminate anything unwanted (b) To smoke weed (c) to reprimand (d) to demolish (e) None of the above

90. What is the name of the board that will replace Regulation and Supervision of Payment and Settlement Systems in the Reserve Bank of India? (a) a Supervisory board (b) a demonization board (c) a Payments Regulatory Board (d) an online payment board (e) None of the above Directions (91-100): In the following passage,

there are blanks, each of which has been numbered. These numbers are printed below the passage and against each number four words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

The culture of India is one of the oldest and unique. In India there is …(91)… (rational) cultural diversity …(92)… (with) the country. The South, North, and Northeast have own …(93)… (incisive) cultures and almost every state has …(94)… (carved) out its own cultural …(95)… (profound) There is hardly any culture in the world that is as …(96)… (varied) and unique as India. India is a vast country, …(97)… (using) variety of geographical features and climatic conditions. India is home to some of the most ancient civilzations, including four major world religions, Hinduism, Buddhism, Jainism and Sikhism.

A …(98)… (collection) of these factors has resulted into exclusive culture-Indian culture. Indian culture is a …(99)… (ceramic) mixture of varying styles and influences. In the matter of cuisine. For instance, the North and the South are totally different. Festivals in India are characterized by colour, gaiety, enthusiasm, prayers and rituals. In the …(100)… (fondness) of music, there are varieties of folk, popular, pop and classical music. The classical tradition of music in India includes the Carnatic and the Hindustani music. 91. (a) amazing (b) plausible (c) tenable

(d) persuasive (e) No change




92. (a) around (b) in (c) of (d) throughout (e) No change

93. (a) explicit (b) distinct (c) obscure (d) profound (e) No change

94. (a) excavated (b) indented (c) deep (d) root (e) No change

95. (a) niche (b) grave (c) chase (d) model (e) No change

96. (a) especial (b) tremendous (c) pleasant (d) tarnish (e) No change

97. (a) being (b) taking (c) having (d) liking (e) No change

98. (a) use (b) fetus (c) combination (d) introduction (e) No change

99. (a) sample (b) composite (c) sound (d) cipher (e) No change

100. (a) sense (b) realm (c) need (d) liking (e) No change

Directions (101-105): In the following questions rearrange the jumbled parts of the sentences to form a meaningful sentence and find which part(s) of the sentence has an error. 101. Trump promised US exports would expand (A)/

though will push for (B)/ greater market access to bridging (C)/a $ 31 billion trade deficit. (D) (a) A and C (b) B and C (c) B and D (d) A, C and D (e) No error

102. The security situation in the North eastern states (A)/ has remained complex for quiet some time (B)/in case of diverse demands of (C)/ ethnic groups and various militant outfits. (a) B and C (b) C and D (c) A, B and D (d) B, C and D (e) No error

103. Nature has been developed(A)/ various nano – scale (B)/ structures to bring out (C)/most unique optical effects.(D) (a) Only A (b) B and C (c) A and D (d) B, C and D (e) No error

104. Post demonetization, there were murmurs that (A)/ some unscrupulous elements in the account fraternity (B)/ were making a quick buck by helping (C)/ getting the illegal wealth of many legalized. (D) (a) Only A (b) Only B (c) Only C (d) Only D (e) No error

105. The key macro – data points presented a worrying picture (A)/ of the economy, adding credence to (B)/ the Reserve Bank of India Monetary Policy Committee’s recent (C)/ fears for slower growth. (D) (a) Only D (b) Only B (c) Only C (d) A and B (e) No error Directions (106-110): Rearrange the following

sentences (P), (Q), (R), (S) and (T) in the proper sequence to form a meaningful paragraph, then answer the questions given below them. P – Eight years after starting the programme of providing single-dose Nevirapine to cut mother-to-child transmission of HIV, the National AIDS Control Organization (NACO) is reassessing the monotherapy strategy. Q – Although hailed as a miracle that reduces the chances of vertical transmission by 45-55 percent and protects thousands of children around the world from getting infected with HIV at the time of birth, the single-dose regime has been found to cause drug resistance in mothers and babies. R – Drug resistance is a major problem, especially where the drugs available to treat the virus are few and the cost of second-line drugs is prohibitive. S – There is a great compulsion to maintain the efficacy of existing drugs and reduce the risk of treatment failure T – With drug resistance rising steadily for various reasons, including a lack of compliance by those undergoing treatment, compounding the risk through wrong medical intervention is obviously unacceptable. 106. Which of the following sentences should be the

FIRST after rearrangement? (a) P (b) Q (c) R (d) S (e) T

107. Which of the following sentences should be the FOURTH after rearrangement? (a) P (b) Q (c) R (d) S (e) T

108. Which of the following sentences should be the SECOND after rearrangement? (a) P (b) Q (c) R (d) S (e) T

109. Which of the following sentences should be the FIFTH (LAST) after rearrangement? (a) P (b) Q (c) R (d) S (e) T

110. Which of the following sentences should be the THIRD after rearrangement? (a) P (b) Q (c) R (d) S (e) T




Directions (111-115): The following questions have two blanks, each blank indicating that something has been omitted. Choose the set of words for each blank that best fits the meaning of the sentence as a whole. 111. The _____failure of the Myanmar government to

act decisively and urgently to protect civilians from the _____ crossfire between the security forces and insurgents is shocking. (a) recent, show (b) continued, increased (c) past, preventing (d) continuing, raging (e) present, outburst

112. The numbers ________ by the legitimate online music service providers indicate that a growing number of users are ________ to buy music. (a) morphed, ignoring (b) labelled, thriving (c) painted, interested (d) touted, willing (e) consume, construct

113. A controversial plan to build an immense dam in Brazil’s rainforest was stalled when it ________ a formidable bloc of _________ like ecologists and indigenous tribes alike. (a) resulted, hostilities (b) gained, supporters (c) attracted, opponents (d) lead, protesters (e) drew, proponents

114. Norway has stolen a march over other developed countries by _______ that it would reduce 40% of its greenhouse gas emissions by 2020 and ________ carbon neutral by 2030. (a) allowing, turn (b) posing, grew (c) estimating, exist (d) perceiving, arising (e) declaring, become

115. The partners broke off as they found each other ___________of ___________breach of promise. (a) faulty; severe (b) responsible; serious (c) guilty; flagrant (d) accused; rigid (e) charged, mean Directions (116-120): Which of the phrase given

below the sentence should replace the word/phrase given in underline in the sentence to make it grammatically correct? If the sentence is correct as it is given and no correction is required, select ‘No correction required’ as the answer. 116. North Korea announced it successfully test-

launched an ICBM, saying the missile was capable to carrying a large and heavy nuclear warhead.

(a) able for carrying (b) capable in carry (c) capable of carrying (d) able to carry out (e) No correction required

117. The entire amount of black money had come into the banking system through demonetization and every rupee is being verified whether it is black or white. (a) Was come into (b) has come with (c) has come into (d) is coming in (e) No correction required

118. With just a few quick slashes of the sword, her opponents were defeated by the fencer, capitalizing on their slowness.

(a) her opponents were defeated by the fencer, capitalizing on their slowness

(b) the fencer defeated her opponents, capitalizing on their slowness

(c) the fencer capitalized on the slowness of her opponents, defeating them

(d) the fencer defeated her opponents and also capitalized on their slowness

(e) No improvement 119. The government has come forward with

comprehensive guidelines and certain concrete rules and regulations aiming at improving the quality of school education. (a) aimed on improving (b) aimed at improve (c) aimed at improving (d) aim at improving (e) No correction required

120. A majority of the international journalists surveyed view nuclear power stations as unsafe at present but that they will, or could, be made sufficiently safe in the future. (a) that they will, or could (b) that they would, or could (c) they will or could (d) think they will be or could (e) think that the power stations will be or could

COMPUTER KNOWLEDGE 121. Which of the following key combination can be

used to open task manager? (a) Ctrl + Shift + Tab (b) Ctrl + Shift + ESC (c) Ctrl + Shift + O (d) Ctrl + Shift + T (e) None of these




122. Portrait and Landscape are type of _____. (a) Page orientation (b) Paper Size (c) Page Layout (d) All of the above (e) None of these

123. Which among the following is an organisation that developed SAGA-220 super computer in 2011? (a) ISRO (b) NASA (c) C-DAC (d) BARC (e) None of these

124. Which among the following refers to the overall structure of the database? (a) View (b) Conceptual (c) Schema (d) Data Independence (e) None of these

125. In Windows, ME, what does ME stand for? (a) Millennium Edition (b) Micro-Expert (c) Macro-Expert (d) Multi-Expert (e) My-Expert

126. The barcode which is used on all types of items, is read by a scanning device directly into the computer. What is the name of this scanning device? (a) Laser scanner (b) Wand (c) OCR (d) MICR (e) Dot Matrix

127. What is ‘Trend Micro’? (a) virus program (b) anti-virus software (c) just a program (d) All of these (e) None of the above

128. Who developed the basic architecture of Computers? (a) Charles Babbage (b) Blaise Pascal (c) Steve Newton (d) John Von Neumann (e) Henery Johnson

129. What does the computer Motherboard contains that houses setting configurations and is powered by the onboard battery? (a) CMOS (b) RAM (c) DRAM (d) CPU (e) None of these

130. Term referring to a person who uses his or her expertise to gain access to other people’s computers to get information illegally or do damage? (a) hacker (b) analyst (c) instant messenger (d) programmer (e) spammer

131. Copying a process from memory to disk to allow space for other processes is called _______.

(a) Swapping (b) Deadlock (c) Demand Paging (d) Page Fault (e) Cloud Computing

132. An input device that utillses a light-sensitive detector to select objects on a display screen is known as _________. (a) Optical scanner (b) Touch screen (c) Light Pen (d) Mouse (e) Keyboard

133. Which of the following is not an advantage to wireless networking? (a) Mobility (b) Productivity (c) Cost effectiveness (d) Security (e) Options (b) and (c)

134. The process of connecting/ accessing to an account is called as: (a) Login (b) Logout (c) Sign up (d) Sign Out (e) None of these

135. The two ways to arrange multiple windows on the desktop are: (a) cascade and tile (b) drag and drop (c) point and click (d) minimize and maximize (e) copy and paste

136. Which among the following is the smallest unit in an image in a computer screen? (a) Unit (b) Pixel (c) Array (d) Resolution (e) Clip

137. What is periodically adding, changing and deleting file records called? (a) renewing (b) upgrading (c) restructuring (d) updating (e) None of these

138. Codec refers to _____? (a) Coder-decoder (b) Co-declaration (c) Command declaration (d) Command decoding (e) None of these

139. Which one of the following is not an e-mail service provider? (a) Hotmail (b) Gmail (c) Bing (d) Yahoo mail (e) None of these

140. Which of the following is related to simplex communication? (a) Single wire and two-sided communication (b) Television (c) Two-wire communication (d) Walkie-talkie (e) None of these




141. What is the technical term for the devices connected in a network? (a) Hubs (b) Nodes (c) Sections (d) Attachment units (e) Access pointers

142. Which of the following security protocols is used with IEEE 802.11a? (a) WPA (b) Bluetooth (c) DES (d) SMTP (e) SSL

143. SMDS stands for: (a) Switched Megabit Data Service (b) Service Megabit data Service (c) Switched Multimegabit Data Service (d) Switched Multiple Digital Service (e) Switched Megabit Digital Service

144. Who among the following is known as the Father of The Internet? (a) Tim Berners-Lee (b) Raymond Tomilson (c) Douglas Englebart (d) Charles Babbage (e) Vint Cerf

145. Which of the following is not a valid binary number? (a) 00000 (b) 11111 (c) FFFFF (d) 10101 (e) 01010

146. What are programs such as Microsoft Edge that serve as navigable windows into the Web called as? (a) Hypertext (b) Web browsers (c) Internet (d) Networks (e) Windows Navigator

147. Which among the following is a self-contained step-by-step set of operations to be performed? (a) System Software (b) Algorithm (c) Network topology (d) Application software (e) Utility software

148. Which of the following requires computer memory in large amounts? (a) Imaging (b) Graphics (c) Voice (d) All of above (e) None of these

149. Which part of the hardware compensates the difference between the speeds of CPU and peripherals? (a) Scanner (b) Printer (c) Video card (d) Motherboard (e) Interface

150. To start a computers system, which of the following is not required necessarily? (a) RAM (b) Flash Drive (c) Accumulator (d) Motherboard (e) CPU

151. Which part of the CPU coordinates the activities of all the other computer components is the? (a) Motherboard (b) Coordination board (c) Control unit (d) Arithmetic logic unit (e) Memory

152. What type of devices are CDs are DVDs? (a) Input (b) Output (c) Software (d) Optical Storage (e) Magnetic Storage

153. The speed of clock frequency of a microprocessor is measured in ____________. (a) hertz (b) baud rate (c) CPS (d) bits (e) bytes

154. Hard disc drives are considered ________ storage. (a) Flash (b) Temporary (c) Optical (d) Nonvolatile (e) Volatile

155. A Bug can be called an error which generally comes in a software or a hardware. Which among the following is another name that may refer to bugs in computers? (a) Leech (b) Squid (c) Slug (d) Glitch (e) Skim

156. Which of the following general purpose software allows you to do mathematical or financial calculation? (a) Word processing program (b) Spreadsheet program (c) Presentation program (d) Media Player (e) DTP program

157. Which of the following displays the work done by a computer? (a) RAM (b) Printer (c) Monitor (d) ROM (e) Mouse

158. Which of the following generations of computers used transistors for the first time? (a) First generation (b) Second generation (c) Third generation (d) Fourth generation (e) Fifth generation




159. In the past generation of computers, IBM system/360 was a : (a) mainframe computer (b) minicomputer (c) microcomputer (d) All of these (e) None of these

160. Which of the following is a type of monitor? (a) CRT (b) LED (c) TFT (d) OLED (e) All of these

GENERAL AWARENESS 161. Match the following:

Grand Slam 2017 Women’s singles Winner 1. Australia (i) Sloane Stephens 2. French Open (ii) Garbine Muguruza 3. Wimbledon (iii) Jeena Ostapenko 4. US Open (iv) Serena Williams

1 2 3 4 (a) (ii) (i) (iii) (iv) (b) (iii) (ii) (iv) (i) (c) (iv) (ii) (iii) (i) (d) (iv) (iii) (ii) (i) (e) None of the above 162. Consider the following countries:

1) Myanmar 2) Thailand 3) India 4) Vietnam Which of the above is/are member/members of

ASEAN? (a) 1, 2 & 3 only (b) 2, 3 & 4 only (c) 1, 2 & 4 only (d) 2, 4 only (e) None of the above

163. Who is Bibek Debroy? (a) Chief Economic Adviser to the Government of

India (b) Principal Economic Adviser in the Ministry of

Finance. (c) National Security Adviser to Prime Minister of

India. (d) Chairman of the Economic Advisory Council

to the Prime Minister of India. (e) None of the above

164. Which of the following statements is/are correct regarding Global Cyber security Index (GCI) 2017? (a) GCI was released by the UN

telecommunications agency International Telecommunication Union (ITU).

(b) Singapore ranked first in GCI 2017 (c) India’s rank is 23rd in GCI 2017 (d) All of the above (e) None of the above

165. Match the following? Commission 1. National Commission for Scheduled Castes 2. National Commission for Scheduled Tribes 3. National Commission for Women 4. National Commission for Minorities 5. National Commission for Protection of Child

Rights. Chairman (i) Lalitha Kumaramangalam (ii) Syed Ghayorul Hasan Rizvi (iii) Stuti Narain Kacker (iv) Ram Shankar Katheria (v) Nand Kumar Rai 1 2 3 4 5 (a) (i) (ii) (iii) (iv) (v) (b) (ii) (iv) (i) (iii) (v) (c) (iii) (ii) (iv) (v) (i) (d) (iv) (v) (i) (ii) (iii) (e) None of the above

166. Which of the following is the regulator for the stock market in India. It was established in the year 1988 and given statutory powers on 30 January 1992 through the SEBI Act, 1992? (a) Confederation of Indian Industry (CII) (b) National Stock Exchange of India Limited

(NSE) (c) Bombay Stock Exchange (BSE) (d) Securities and Exchange Board of India (SEBI) (e) None of the above

167. Who is Muhammadu Buhari? (a) The President of Iran (b) The President of Nigeria (c) The President of Sudan (d) The President of Pakistan (e) None of the above

168. Who is the new member of NITI Aayog, appointed in August 2017? (a) Vinod Paul (b) Bibek Debroy (c) V.K. Saraswat (d) Ramesh Chand (e) None of the above




169. Match the following: Book Author 1. History of Wolves (i) Ali Smith 2. Exit West (ii) George Sauders 3. Elmet (iii) Fiona Mozley 4. Lincoln in the Bardo (iv) Mohsin Hamid 5. Autumn (v) Emily Fridlund

1 2 3 4 5 (a) (ii) (i) (iii) (iv) (v) (b) (ii) (iii) (iv) (i) (i) (c) (v) (iv) (iii) (ii) (i)

(d) (iii) (v) (iv) (i) (ii) (e) None of the above

170. Which of the following Regional Rural Bank (RRB) is sponsored by SBI? (a) Prathama Bank (b) Andhra Pradesh Grameena Vikas Bank (c) Kerala Gramin Bank (d) Andhra Pragathi Grameena Bank (e) None of the above

171. Who is the author of the book “The Coalition years”? (a) A.B. Vajpayee (b) L.K. Advani (c) Man Mohan Singh (d) Pranab Mukherjee (e) None of the above

172. Who is Filippo Grandi? (a) United Nations High Commissioner for

Refugees (b) United Nations Secretary General (c) UNESCO Director General (d) FIFA President (e) None of the above

173. Which city hosted 14th India –EU summit on 6th October 2017? (a) New Delhi (b) Mumbai (c) Kolkata (d) Chennai (e) None of the above

174. Which of the following statements regarding Prime Minister’s Economic Advisory Council (PMEAC) correct? (a) The Prime Minister’s Economic Advisory

Council (PMEAC) is an independent body designed to guide the government on policy decisions.

(b) Bibek Debroy is the Chairman of PMEAC.

(c) Surjit Bhalla, Rathin Roy and Ashima Goyal are members and Ratan Watal is the member secretary of PMEAC.

(d) All of the above (e) None of the above 175. Which of the following state cabinet has

approved reservations for Divyangs (persons with disabilities) in government jobs and educational institutions? (a) Punjab (b) Haryana (c) Bihar (d) Gujarat (e) None of the above

176. Which city has topped Economist Intelligence Unit’s Safe Cities Index 2017 of 60 cities? (a) Tokyo, Japan (b) Singapore (c) Osaka, Japan (d) Toronto, Canada (e) None of the above

177. Hamas and Fatah are political parties in (a) Afghanistan (b) Pakistan (c) Israel (d) Palestine (e) None of the above

178. The country’s first aviation university is all set to be inaugurated soon. The Rajiv Gandhi National Aviation University is situated in …… (a) Chandigarh (b) Raipur (c) Jaipur (d) Rae Bareli (e) None of the above

179. Which of the following is not a member-country of the Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation (BIMSTEC)? (a) India (b) Sri Lanka (c) Myanmar (d) None of the above (e) All the above

180. India’s economy growth rate during April to June 2017? (a) 5.3 % (b) 5.5 % (c) 5.7% (d) 5.9% (e) None of the above

181. National Bank for Agriculture and Rural Development (NABARD) was conferred the ‘best performance award’ for 2015-16 and 2016-17 to Karnataka Vikas Grameen Bank (KVGB) for its work in the field of credit-linking joint liability groups (JLGs). KVGB is sponsored by …… (a) State bank of India (b) Punjab National bank (c) Syndicate Bank (d) Andhra Pradesh (e) None of the above




182. As per the second volume of the Economic Survey for 2016-17, the fiscal deficit will be what percent of GDP in 2017-18? (a) 3.1 percent (b) 3.2 percent (c) 3.3 percent (d) 3.4 percent (e) None of the above

183. Find the incorrect pair? (Union Cabinet Minister & Portfolio) (a) Nirmala Sitharaman: Defence (b) Dharmendra Pradhan: Rural Development (c) Smriti Zubin Irani: Information and

Broadcasting (d) Piyush Goyal: Railways (e) None of the above

184. Which country will host 10th BRICS summit 2018? (a) Brazil (b) Russia (c) India (d) South Africa (e) None of the above

185. The term “too big to fail” seen in news is related to? (a) Petroleum Sector (b) Manufacturing Sector (c) Banking Sector (d) Insurance Sector (e) None of the above

186. Which of the following loans is not a part of Pradhan Mantri Mudra Yojana? (a) Shishu (b) Kishore (c) Tarun (d) Sansad (e) None of the above

187. Consider the following about Doklam (1) It lies at the tri-junction of India, Bhutan and

China (2) It is contiguous to Nathu La. Select the correct answer using the codes given below: (a) 1 only (b) 2 only (c) both 1 &2 (d) Neither 1 nor 2 (e) None of the above

188. 457 Visa, recently in news is related to which country? (a) USA (b) UK (c) Australia (d) Singapore (e) None of the above

189. The Headquarters of Al Jazeera Media Network is in. (a) Riyadh (b) Tehran (c) Abu Dhabi (d) Doha (e) None of the above

190. The International Day against Nuclear Tests (IDANT) is observed every year on (a) August 28 (b) August 29 (c) August 30 (d) August 25 (e) August 21

191. Consider the following pairs of Summits and their respective venues in 2017. Identify correct pair. (a) BRICS: Xiamen, China (b) G7: Taormina, Italy (c) G20: Hamburg, Germany (d) SCO: Astana, Kazakhstan (e) All the above

192. India’s rank in the Global Peace Index 2017? (a) 137th (b) 138th (c) 139th (d) 140th

(e) None of the above 193. Kenneth Juster is the new USA ambassador to

…… (a) Russia (b) China (c) India (d) Japan (e) None of the above

194. The Central Government has approved a proposal to rename the Mughalsarai railway station in Uttar Pradesh after …… (a) Sardar Patel (b) Deen Dayal Upadhyaya (c) Mahatma Gandhi (d) Atal Bihari Vajpayee (e) None of the above

195. In August 2017, Neymar moved from Barcelona Football Club to Paris Saint-German in a transaction worth 222 million, making him the World’s most expensive player. Neymar is from which country? (a) Argentina (b) Brazil (c) Chile (d) Denmark (e) None of the above




196. Match the following. Personality Company 1. Jeff Bezos i) Oracle Corporation 2. Warren Buffett ii) America Movil 3. Amancio Ortega iii) Amazon.com 4. Larry Ellison iv) Berkshire Harthaway 5. Carlos Slim v) Inditex

1 2 3 4 5 (a) (v) (iii) (i) (iv) (ii) (b) (iv) (ii) (v) (iii) (i) (c) (iii) (iv) (i) (ii) (v)

(d) (iii) (iv) (v) (i) (ii) (e) None of the above

197. The winner of Women’s Singles in US open Tennis 2017? (a) Sloane Stephens (b) Madison Keys (c) Chan Yung-jan (d) Martina Hingis (e) None of the above

198. Name the India’s first small finance bank? (a) Disha Microfin Private Ltd., Ahmedabad. (b) Equitas Holdings Private Ltd., Chennai.

(c) Au Financiers (India) Ltd., Jaipur. (d) Capital Local Area Bank Ltd., Jalandhar. (e) None of the above

199. Which of the following bank has been recently given scheduled bank status by RBI on 25 August 2017? (a) Ujjivan Financial Services Private Ltd.,

Bengalore. (b) Capital Local Area Bank Ltd., Jalandhar. (c) Janalakshmi Financial Services Private Ltd.,

Bengalore. (d) Suryoday Micro Finance Private Ltd., Navi

Mumbai. (e) None of the above

200. Which of the following make the components of India’s forex reserves? (a) Foreign Currency Assets (b) Special Drawing Rights (SDR’s) (c) Gold (d) Reserve Tranche Position in the IMF (e) All the above

ANSWER KEY 1 d 2 a 3 c 4 d 5 b 6 a 7 c 8 d 9 c 10 b 11 b 12 d 13 b 14 c 15 a 16 c 17 d 18 a 19 c 20 a 21 c 22 b 23 b 24 e 25 d 26 e 27 c 28 c 29 a 30 e 31 b 32 a 33 a 34 c 35 b 36 d 37 b 38 d 39 e 40 e 41 b 42 a 43 d 44 a 45 c 46 c 47 b 48 e 49 a 50 d 51 b 52 c 53 a 54 c 55 d 56 e 57 d 58 b 59 a 60 b 61 e 62 a 63 c 64 d 65 b 66 e 67 c 68 c 69 b 70 e 71 d 72 c 73 b 74 d 75 d 76 b 77 c 78 a 79 e 80 e 81 d 82 d 83 d 84 a 85 d 86 c 87 b 88 c 89 a 90 c 91 a 92 d 93 b 94 e 95 a 96 e 97 c 98 c 99 b 100 b

101 b 102 a 103 c 104 d 105 a 106 a 107 e 108 b 109 d 110 c 111 d 112 d 113 c 114 e 115 c 116 c 117 c 118 b 119 c 120 e 121 b 122 a 123 a 124 c 125 a 126 a 127 b 128 d 129 a 130 a 131 a 132 c 133 d 134 a 135 a 136 b 137 d 138 a 139 c 140 b 141 b 142 a 143 c 144 e 145 c 146 b 147 b 148 d 149 a 150 b 151 c 152 d 153 a 154 d 155 d 156 b 157 c 158 b 159 a 160 e 161 d 162 c 163 d 164 d 165 d 166 d 167 b 168 a 169 c 170 b 171 d 172 a 173 a 174 d 175 c 176 a 177 d 178 d 179 d 180 c 181 c 182 b 183 b 184 d 185 c 186 d 187 c 188 c 189 d 190 b 191 e 192 c 193 c 194 b 195 b 196 d 197 a 198 d 199 a 200 e


IBPS CLERK PRELIMS MODEL PAPER



IBPS CLERK PRELIMS

GENERAL ENGLISH

Directions (1-10): Read the following passage carefully and answer the questions given below it. Certain words /phrases are printed 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 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 strategies 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 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 thse 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 P.J. 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.




1. Why have banks turned capital starved? (a) Because of the excessive payments towards

government sponsored schemes without appropriate provision for them

(b) Because of bad monetary policy of the RBI (c) Because of the dangerous financial position of

the government (d) Because of excessive loans sanctioned to

malafide customers (e) None of these

2. Which of the following statements regarding the consolidation of state run banks is/are true?

(a) The consolidation of state run banks is a complex task and it will take some more years for its completion

(b) Banks are doing all kinds of permutations and combinations but the result is cipher

(c) Efforts for consolidation of state run banks are on for past one decade but nothing remarkable has come out as yet

(d) Only (a) and (c) (e) All of the above 3. Under the current scenario what do state run banks

need to do to access capital from the market? (a) They should increase lending rate to attract

depositors. (b) They should announce handsome returns to

depositors. (c) They need a strategy to earn more profit (d) They need to float public shares (e) They need to improve profit and shares

illegally 4. Which of the following is not true in the context of

the passage? (a) The finance minister has given free hand to

state run banks to make their own strategy for banking business

(b) Four big state run banks have begun to identify takeover targets

(c) According to PJ Nayak Committee report, the state run banks were not performing well

(d) The four big state run banks have already decided the names of some small banks likely to be taken over

(e) All of these

5. Which of the following is possibly the most appropriate title for the passage?

(a) Consolidation of Banks (b) Union Budget 2014: A Review (c) Policy Paralysis of the Central Government (d) The Economic Downturn (e) Budget in India

6. Choose the word which is most nearly the opposite in meaning to the word ‘PUNY’ as used in the passage.

(a) Strong (b) Inferior (c) Trivial (d) Tiny (e) Fragile

7. Choose the word which is most nearly the Similar in meaning to the word ‘PARLOUS’ as used in the passage.

(a) Strong (b) Powerful (c) Critical (d) Harmful (e) innocent

8. What does the phrase “KICK OFF” mean as used in the passage?

(a) Smash (b) Breakdown (c) Discontinue (d) Begin (e) Terminate

9. Choose the word which is most nearly the Similar in meaning to the word ‘SOLVENCY’ as used in the passage.

(a) Impotency (b) Destitution (c) Deprivation (d) Financial compete (e) Ruin

10. Choose the word which is most nearly the Opposite in meaning to the word ‘ACQUISITION’ as used in the passage.

(a) Asset (b) Accretion (c) Possession (d) Purchase (e) Forfeit

Directions (11-20): In the following passage, there are blanks, each of which has been numbered. These numbers are printed below the passage and against each number four words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

The problem is that banks …(11)… (are been able) to reach a vast majority of the rural population; and so the rural poor have limited access to organized, affordable, …(12)… (therefore) transparent financial services such as savings, loans, …(13)… (allowance)




and insurance services etc. It is important for them to have access to banking services, especially credit and insurance, to enlarge livelihood opportunities and to …(14)… (empower) themselves to take charge of their lives.

The unorganized sector of lending is believed to be acting as a problem to the growth impetus in these sectors. In several villages, farmers still go to traditional money lenders like zamindars for …(15)… (meager) sums of a few hundred or thousand rupees and get into debt trap for their whole lives. As a result, farmer suicides, bonded labour, naxalism and political and social unrest and on top of it, poor financial management, which …(16)… (how) had been done smartly would have helped in economic growth of their own self and economy.

Project Financial Literacy of the RBI is one such initiative …(17)… (below) - dual purpose. First, financial inclusion of the rural poor and second, to tap the growth potential in rural markets by volume growth for banks through edutainment (education + entertainment).Its objective is to …(18)… (disseminate) information about the central bank and general banking …(19)… (beliefs) to various target groups like children, women, self help groups etc., using development communication and increasing the habit of saving in rural poor. Because if in an economy, saving is more than 30% for 7 …(20)… (discontinued) years, the GDP doubles and India can’t ignore the rural sector to increase our savings. 11. (a) is not been able (b) will not been able

(c) has not been able (d) have not been able (e) No change

12. (a) and (b) but (c) so (d) because (e) No change

13. (a) delivery (b) installment (c) remittances (d) return (e) No change

14. (a) discourage (b) ban (c) reject (d) revoke (e) No change

15. (a) abundant (b) large (c) lavish (d) ample (e) No change

16. (a) for (b) and (c) when (d) if (e) No change

17. (a) under (b) above (c) of (d) at (e) No change

18. (a) collect (b) gather (c) absorb (d) accumulate (e) No change

19. (a) facts (b) thoughts (c) plans (d) concepts (e) No change

20. (a) alternate (b) consecutive (c) interrupted (d) broken (e) No change Directions (20-25): Rearrange the following

sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph; then answer the questions given below them. A – It has a better mechanism for spreading itself than WannaCry. B – Ransomware is a type of malware that blocks access to a computer or its data and demands money to release it. C – Secondly, it is also locking systems, not just encrypting files. D – The difference from WannaCry is firstly, the way it is spreading – it is not just using a single vulnerability, but multiple vulnerabilities. E – The malicious software spreads rapidly across an organization once a computer is infected using the Eternal Blue vulnerability in Microsoft Windows or through two Windows administrative tools. 21. Which of the following will be the FIFTH

sentence? (a) A (b) B (c) C (d) D (e) E

22. Which of the following will be the FIRST sentence? (a) A (b) B (c) C (d) D (e) E

23. Which of the following will be the SECOND sentence? (a) A (b) B (c) C (d) D (e) E

24. Which of the following will be the FOURTH sentence? (a) A (b) B (c) C (d) D (e) E




25. Which of the following will be the THIRD sentence? (a) A (b) B (c) C (d) D (e) E Directions (26-30): Pick out the most effective

word from among the given words to fill in the blanks to make the sentence meaningfully complete. 26. Paintings are generally quite ________, but by

expanding art to forms and objects beyond Paintings, we will make it _______ to the common man. (a) costly, limited (b) cheap, available (c) expensive, accessible (d) reasonable, pricey (e) steep, exorbitant

27. Market regulator SEBI along with commodity exchanges is ________ up the risk management ________ in the 13-year old commodity future market in the wake of the castor seed and more recently chana future suspension. (a) beefing, apparatus (b) hooking, system (c) looking, department (d) shaking, factors (e) going, instruments

28. Indians will _________ one-fourth of total work force in the next 5 years but India needs to introspect whether its education system is __________ for these demographic dividends. (a) become; adequate (b) consist; incompetent (c) constitute; unequipped (d) represent; sound (e) comprise; prepared

29. If you are an introvert, you ___________ to prefer working alone and , if possible, will ___________ towards projects where you can work by yourself or with as few people as possible. (a) like; depart (b) advocate; move (c) tend; gravitate (d) express; attract (e) feel; follow

30. Regarding __________ up of the manufacturing units in the country, there has been a __________ of concessions to smaller companies. (a) boosting; slew (b) making; lot (c) taking; large number (d) giving; requirements (e) throwing; case

QUANTITATIVE APTITUDE Directions (31-35): Study the following graph

carefully and answer the questions given below: Total number of passengers travelling by

aeroplane and the number of passengers upgraded in past five years

31. What is the difference between the average of the

total number of passengers and the average of the upgraded passengers over all the given years? (a) 32.5 mn (b) 34.5 mn (c) 29.5mn (d) 26.5 mn (e) 47.5 mn

32. What is the ratio of the total number of passengers to the upgrade passengers from 2014 to 2016?

(a) 1157 : 32 (b) 472 : 31 (c) 472 : 93 (d) 373 : 93 (e) 562 : 95

33. What is the percentage increase in the upgraded passengers from 2013 to 2014?

(a) 16.69% (b) 19.69% (c) 20.75% (d) 21.69% (e) 14.32%

34. In which of the following years is the number of passengers who are not upgraded the minimum?

(a) 2014 (b) 2015 (c) 2012 (d) 2013 (e) 2016 35. If the total number of passengers is decreased by

10% in 2012 and the number of upgraded passengers is increased by 7% in the same year, then what is the approximate number of passengers who are not upgraded in 2012?

(a) 36.5 mn (b) 22.9 mn (c) 28.7 mn (d) 24.9 mn (e) None of these




Directions (36-40): Study the following pie-chart and table carefully and answer the questions given below:

Total number of employees = 13400

Percentage of female employees

TCS 15% HP 35%

HCL 25% Infosys 62%

Dell 38% Lenovo 42%

36. What is the ratio of the total number of male employees of Dell to the total number of female employees of HCL?

(a) 45 : 124 (b) 124 : 45 (c) 123 : 43 (d) 115 : 43 (e)None of these

37. The total number of TCS employees is approximately what percent of the total number of male employees of Lenovo?

(a) 128% (b) 118.5% (c) 109.5% (d) 121% (e) 97%

38. What is the difference between the total number of male employees of Dell and that of female employees of HP?

(a) 31.5 (b) 29 (c) 29.5 (d) 33.5 (e) 35 39. What is the approximate average number of male

employees of Lenovo and Dell companies together?

(a) 1226 (b) 1356 (c) 1037 (d) 1205 (e) 1166 40. The female employees of HP is by what percent

less than the total number of employees of Infosys and HP together(approximately)?

(a) 80% (b) 79% (c) 74% (d) 65% (e) 89%

Directions (41-45): Study the table carefully to answer the questions that follow:

Number of Employees (in Thousands) working in six different companies in six years.

Years Company

K L M N P R 2009 3.4 2.4 2.8 3.9 4.2 5.6 2010 1.2 3.4 3.0 4.1 1.9 4.5 2011 5.4 4.9 3.7 3.4 2.7 5.7 2012 6.3 4.7 5.5 5.3 5.6 2.9 2013 11.0 5.9 5.7 6.7 4.8 6.7 2014 7.2 7.4 5.9 9.6 6.4 4.8

41. What was the respective ratio between the employees working in company R is year 2010 and employees working in company L in year 2009? (a) 8 : 15 (b) 15 : 8 (c) 5 : 8 (d) 13 : 9 (e) None of these

42. What was the total number of employees working in company L and R together in year 2010? (a) 7800 (b) 7840 (c) 7000 (d) 7900 (e) None of these

43. In which company were the total number of employees working in year 2012 the second highest? (a) R (b) N (c) L (d) K (e) P

44. Number of employees working in company K in year 2014 was what percentage of all the employees working in company N in all the years together? (a) 25 (b) 30 (c) 22 (d) 31 (e) 35

45. What was the average number of employees working in year 2012 in all the companies together? (a) 5,05,000 (b) 50,050 (c) 50,500 (d) 5,500 (e) None of these Directions (46-60): What should come in place of

the question mark (?) in the following number series? 46. 0 5 18 43 84 145 ?

(a) 220 (b) 240 (c) 260 (d) 280 (e)None of these

47. 10 17 48 165 688 3475 ? (a) 27584 (b) 25670 (c) 21369 (d) 20892 (e) None of these

48. 1 3 24 360 8640 ? (a) 403500 (b) 342000 (c) 302400 (d) 605000 (e) 364578

TCS11%

HP17%

Lenovo16%

Dell10%

Infosys37%

HCL9%




49. 12 14 32 102 416 2090 ? (a) 15522 (b) 12552 (c) 13525 (d) 17552 (e) None of these

50. 10 15 15 12.5 9.375 6.5625? (a) 4.375 (b) 3.2375 (c)4.6275 (d) 3.575 (e) None of these

51. My brother is 3 years elder to me. My father was 28 years of age when my sister was born while my mother was 26 years of age when I was born. If my sister was 4 years of age when my brother was born, then, what was the age of my father and mother respectively when my brother was born?

(a) 32 yr, 23 yr (b) 32 yr, 29 yr (c) 35 yr, 29 yr (d) 35 yr, 33 yr (e) None of these

52. The area of a rectangular field is 460 square metres. If the length is 15 percent more than the breadth, what is breadth of the rectangular field?

(a) 15 metres (b) 26 metres (c) 34.5 metres (d) Cannot be determined (e) None of these

53. A vessel contains 72 liters of mixture of milk and water. The respective ratio of milk and water in the vessel is 5:4. If 18 liters of mixture is taken out from that vessel and then 10 liters of water is added what will be the percentage of milk in the final mixture? (approximately)

(a) 47 (b) 44 (c) 48 (d) 49 (e) 43 54. Bucket P has thrice the capacity as bucket Q. It

takes 60 turns for bucket P to fill the empty drum. How many turns it will take for both the buckets P and Q, having each turn together to fill the empty drum?


55. The compound interest accrued on an amount of Rs. 22,000 at the end of two years is Rs. 5,596.8. What would be the simple interest accrued on the same amount at the same rate in the same period?

(a) Rs.5,420 (b) Rs.5,360 (c) Rs.5,280 (d) Rs.5,140 (e) None of these

56. Three persons A, B and C enter into a partnership. A invests three times as much as B while B invests two-third of what C invests. At the end of the year, the profit earned is Rs. 6600. What is the share of B?

(a) Rs. 1200 (b) Rs. 1800 (c) Rs. 1500 (d) Rs. 2100 (e) None of these

57. Ratio of the income of A, B and C last year was 3 : 4 : 5. The ratio of their individual incomes of last year and this year are 4 : 5., 2 : 3 and 3 : 4 respectively. If the sum of their present income is Rs. 78,800. Find the present income of B.

(a) Rs. 28800 (b) Rs. 35000 (c) Rs. 18000 (d) Rs. 20000 (e) Rs. 15000

58. A and B can do a work in 20 and 25 days, respectively. With the help of C and D, they finish the same work in 5 days. If the efficiency of C is half of A, find the total time taken by D to finish the work alone.

(a) 100/17 (b) 200/17 (c) 12 (d) 15 (e) 20

59. A boat takes a total time of twelve hours to travel 105 km upstream and the same distance downstream. The speed of the boat in still water is six times that of the current. What is the speed of the boat in still water? (in km/hr)

(a) 12 (b) 30 (c) 18 (d) 24 (e) 36 60. In an examination the percentage of students

qualified with respect to the number of students appeared from DP school is 80%. The number of students appeared from St. Joseph school is 20% more than the number of students appeared from DP school, and the number of students qualified from St. Joseph’s School is 40% more than the number of students qualified from DP School. What is the percentage of students qualified with respect to those who appeared from St. Joseph’s School?

(a) 95 % (b) 96 % (c) 93 % (d) 97 %

(e) None of these




Directions (61-65): What approximate value should come in place of question mark (?) in the following questions. Your are not excepted to calculate the exact value. 61. 40% of √1729 + 13.2% of 159.05 × 40% of

2001.3 = ? (a) 26145 (b) 16645 (c) 19245 (d) 15645 (e) 15245

62. [(216.001) − 124.87) = ?

(a) 1 (b) 3 (c) 5 (d) 7 (e) 2

63. 80% of 230 + 33.1 × 5.945 = ? (a) 396 (b) 382 (c) 388 (d) 376 (e) 372

64. 26% of √2116 × of (36)2 - of 59.46 = ?

(a) 5143 (b) 5276 (c) 5024 (d) 5288 (e) 5354

65. 85.1% of 224.95 + 43.012 × 43.014 -60.14% of 150.112 = ?

(a) 1905 (b) 1875 (c) 1950 (d) 2050 (e) 1820

REASONING Directions (66-70): Study the following


There are nine people P, Q, R, S, T, U, V, W and X in a family. It is a three generation family. They are sitting in a row facing in North and South directions not necessarily in the same order. The following information is known about them.

R who is P’s father sits fourth to the right of Q who is the only daughter of T and they both face in the opposite directions. S sits third to the right of U who is Q’s grandmother and one of them sits adjacent to X. S is unmarried and faces in a direction similar to that of V. T who is the sister of S sits at one of the ends with a female. R’s neighbours are females and face in opposite directions. U’s spouse R faces in the North direction. X who is the wife of V sits at the middle facing in South direction. P, who is male, is the only sibling of V and sits exactly between S and Q’s cousin who is a male. The people sitting at ends face in North direction. P faces in same direction as that of U. R sits adjacent to X

66. How is S related to P? (a) Wife (b) Sister-in law (c) Brother-in law (d) Husband (e) Cannot be determined

67. R and S face in which direction in the respective order? (a) North, South (b) South, North (c) North, North (d) South, North (e) Cannot be determined

68. Who sits third to the right of W’s mother? (a) Q (b) P (c) U (d) V (e) W

69. How many males are there in the family? (a) 2 (b) 3 (c) 4 (d) 5 (e) Cannot be determined

70. Who among the following sits at one of the ends? (a) U’s son (b) W’s mother (c) P’s daughter (d) V’s son (e) T’s sister

71. The positions of the first and the sixth digits in the number 5109238674 are interchanged. Similarly the positions of the second and the seventh digits are interchanged and so on. Which of the following will be the third digit from the right end after the rearrangement? (a) 9 (b) 0 (c) 6 (d) 3 (e) None of these Directions(72-76): Study the following information

carefully to the given questions Eight persons M, N, O, P, Q, R, S, and W have

their exams on either 10th or 27th of four different months i.e March, April, May, June not necessarily in the same order. M has the exam on 10th of a month which is having 31 days. Only one person has the exam before N. Number of persons between M and N is one less than the number of persons between N and W. O and P have exams in the same month having 30 days, but not in April. R has the exam after S. Only three persons have exam between N and Q. O has the exam before P. 72. How many persons have exam between S and W?

(a) Three (b) Two (c) Four (d) Five (e) No one




73. Which of the following statements is/are true according to the given information? (a) Q has exam immediately after M. (b) M has exam on 27th of June. (c) O has exam immediately after Q. (d) Only one person has exam between O and P. (e) All the statements are true.

74. Who among the following has exam on 27th May? (a) N (b) R (c) Q (d) O (e) No one

75. Four of the following five are alike in a certain way and so form a group. Which one does not belong to that group? (a) O (b) R (c) M (d) Q (e) S

76. Who among the following has exam on 10th March? (a) R (b) P (c) N (d) Q (e) M Directions (77-80): Read each of the following

statements carefully and answer the questions. 77. Which of the following expression will be true if

the given expression ‘A > B ≥ C < D < E’ is definitely true? (a) A ≥ C (b) E > C (c) D ≥ B (d) A > D (e) None of these

78. If the expressions ‘E < J ≤ H > Z’; ‘H ≤ Y’ and ‘E > F’ are true, which of the following conclusion will be definitely false? (a) F < Y (b) Y > E (c) F < H (d) J ≤ Y (e) H < E

79. Which of the following symbol should replace the question mark in the given expression in order to make the expressions ‘K ≤ H’ as well as ‘M > J’ definitely true? H ≥ I = J ? K ≤ L < M (a) > (b) ≥ (c) ≤ (d) Either < or ≤ (e) =

80. Which of the following symbols should be placed in the blank spaces respectively (in the same order from left to right) in order to complete the given expression in such a manner that ‘N < K’ definitely holds true? K__ L __ M ___ N (a) ≥ , =, > (b) ≤, <, = (c) ≥, =, < (d) >, ≥, < (e) None of these

81. One day, Ravi left home and cycled 10 km Southwards, turned right and cycled 5 km and turned right and cycled 10 km and turned left and cycled 10 km. How many kilometers will he now have to cycle in a straight line to reach his home? (a) 10 km (b) 15 km (c) 20 km (d) 25km (e) 40 km Directions (82-86): In each of the questions below

are given two/three statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance with commonly known facts and then decide which of the given conclusions logically follows from the two given statements disregarding commonly known facts.

(a) Only conclusion I follows. (b) Only conclusion II follows. (c) Either conclusion I or II follows. (d) Neither conclusion I nor II follows. (e) Both conclusions I and II follows.

82. Statements: All rings are circles. All squares are rings. No ellipse is a circle. Conclusions: I. Some rings being ellipse is a possibility. II. Atleast some circles are squares.

83. Statements: No house is an apartment. Some bungalows are apartments. Conclusions: I. No house is a bungalow. II. All bungalows are houses.

84. Statements: Some gases are liquids. All liquids are water. Conclusions: I. All gases being water is a possibility. II. All such gases which are not water can never be liquids.

85. Statements: All minutes are seconds. All seconds are hours. No second is a day. Conclusions: I. No day is an hour. II.Atleast some hours are minutes.




86. Statements: Some teachers are professors. Some lecturers are teachers. Conclusions: I. All teachers as well as professors being lecturers is a possibility. II. All those teachers who are lecturers are also professors. Directions (87-91): Study the following


P, Q, R, S, T, U, V and W are eight family members sitting around a circular table facing the centre. Three of them are alcoholic and others are non-alcoholic. All the eight family members like different sports, viz Football, Cricket, Chess, Badminton, Table Tennis, Kabaddi, Volleyball and Billiards but not necessarily in the same order. There are two married couples, three brothers, two daughters, one granddaughter and one grandson in the family. Each of them likes a different beverage, viz Appy, Sprite, Coca Cola, Budweiser, Limca, Tuborg and ThumsUp. However, P and W like the same beverage. T is sitting second to the right of his father V and he

likes Tables Tennis and ThumsUp. Only V’s daughter is seated exactly between P and

T and she likes Limca and Kabaddi. V likes Football and is the head of the family and is

the immediate neighbour of W and S. U sits third to the left of V. The grandmother of U

is sitting on the immediate left of her. U is a non-alcoholic.

The son of W is sitting on the immediate left of his father. His father likes Cricket.

S is the husband of the one who likes Chess and Budweiser and his mother likes Budweiser.

The one who likes Badminton sits second to the right of P, who is an immediate neighbour of the one who likes Kabaddi and Volleyball.

The one who likes Volleyball does not like Appy. The one who likes Football does not like coca cola

or sprite. W likes Chess and Q likes Badminton. Neither of

them likes Sprite.

S likes Tuborg and sits second to the right of the one who likes Sprite.

Only Tuborg and Budweiser are alcoholic drinks. 87. Which of the following statement is true?

(a) U is the immediate neighbour of R’s mother and V’s daughter

(b) Q’s mother sits on the immediate right of T (c) T’s sister-in-law is the immediate neighbour of V and T (d) Q sits opposite S’s sister (e) None of these

88. What is the position of S’s mother with respect to his wife? (a) Fourth to the left (b) Fourth to the right (c) Third to the right (d) Third to the left (e) Immediate right

89. If all the persons are sitting in alphabetical order starting from P in anti-clockwise direction, then the position of how many of them will remain unchanged (excluding P)? (a) None (b) One (c) Two (d) Four (e) Three

90. Which of the following is a group of only males? (a) S, Q, T, W (b) V, S, W, Q, P (c) P, R, T, S (d) T, Q, S, V (e) S, Q, U, W

91. Who among the following sits second to the left of W’s son? (a) The one who is the immediate neighbour of R

and S brother (b) The one who sits on the immediate right of V’s

daughter (c) The one who sits opposite Q (d) The one who sits fourth to the left of S’s wife (e) None of these Directions (92-94): Study the following

arrangement carefully and answer the questions given below it:

4 2 6 1 3 8 9 5 8 1 6 5 1 5 8 5 3 9 4 9 2 3 2 1 5 7 2 6 2 4 2 7 4

92. If all the even digits are deleted from the above arrangement, which of the following will be seventh from the right end of the arrangement? (a) 3 (b) 5 (c) 1 (d) 9 (e) 7




93. How many such 2s are there in the above arrangement each of which is immediately preceded by an odd digit and also immediately followed by an odd digit? (a) None (b) One (c) Two (d) Three (e) More than three

94. How many such 1s are there in the above arrangement each of which is immediately preceded by perfect square? (a) None (b) One (c) Two (d) Three (e) More than three

95. Pointing to a man in a photograph, a woman says, “This man’s son’s sister is my mother-in-law.”. How is the woman’s husband related to the man in the photograph? (a) Grandson (b) Son (c) Son-in-law (d) Nephew (e) None of these Directions (96-100): Study the given information

carefully to answer the given questions. In a certain code language, ‘few organic farming techniques’ is written as ‘li gs da cr’ ‘fertilizer products few available’ is written as ‘fo pz nb gs’ ‘organic waste into fertilizer’ is written as ‘nb cr pt mk’

‘disposal of farming waste’ is written as ‘hu mk li yu’ (all codes are two letter codes only).

96. What will be the code for ‘few waste’ in the given code language? (a) mk gs (b) gs li (c) pt da (d) da mk (e) other than those given options

97. What is the code for ‘organic’ in the given code language? (a) li (b) cr (c) da (d) pt (e) Other than those given options

98. In the given code language, what does the code ‘yu’ stands for? (a) Farming (b) Techniques (c) Either ‘of’ or ‘disposal’ (d) Waste (e) Either ‘into’ or ‘few’

99. If ‘waste management techniques’ is coded as ‘ax da mk’ in the given code language, then how will ‘farming fertilizer management’ be coded? (a) ax nbcr (b) li ax pt (c) nb li ax (d) gs li nb (e) other than those given options

100. What is the code for ‘available’ in the given code language? (a) either ‘pz’ or ‘fo’ (b) either ‘nb or mk’ (c) li (d) hu (e) other than those given options

ANSWER KEY

1. c 11. d 21. c 31. b 41. b 51. a 61. b 71. b 81. b 91. b

2. c 12. a 22. b 32. c 42. d 52. e 62. a 72. e 82. b 92. d

3. c 13. c 23. e 33. b 43. e 53. a 63. b 73. c 83. d 93. c

4. d 14. e 24. d 34. c 44. c 54. c 64. a 74. c 84. a 94. a

5. a 15. e 25. a 35. d 45. e 55. c 65. c 75 d 85. b 95. a

6. a 16. d 26. c 36. b 46. e 56. a 66. b 76. e 86. a 96. a

7. d 17. c 27. a 37. b 47. d 57. a 67. c 77. b 87. c 97. b

8. d 18. e 28. e 38. d 48. c 58. b 68. b 78. e 88. c 98. c 9. d 19. d 29. c 39. c 49. b 59. c 69. c 79. e 89. b 99. c

10. e 20. b 30. a 40. e 50. a 60. c 70. d 80. a 90. d 100. a

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