1.

‘Captain' is related to a ‘Team' in the same way as ‘Director' is related to

(1) Supervisor (2) Employee
(3) Organisation (4) Union
(5) Customer
2. Find the odd one out of the following options
(1) Aunt (2) Child
(3) Father (4) Niece
(5) Relation
3. Pointing to a photograph of Mahesh, Ram said. "The father of his sister is the husband of my
wife's mother". How is Ram related to Mahesh?
(1) Brother (2) Brother-in-law
(3) Father-in-law (4) Data not sufficient
(5) None of these
4. If ‘fork' is called ‘plate', ‘plate' is called 'knife', ‘knife' is called ‘jug', ‘jug' is called ‘glass', ‘glass'
is called ‘cup' and ‘cup' is called ‘fork', by what do we cut fruit?
(1) spoon (2) jug
(3) glass (4) saucer
(5) none of these
5. If ‘a' is substituted by 26,'B' by 25 and so on up to ‘Z' which is substituted by 1, what will be the
sum of the numbers substituted for the word ‘XRAY'?
(1) 33 (2) 40
(3) 37 (4) 73
(5) None of these
6. In a certain code COIMBATORE is written as DPJNCBUPSF. How is INDORE written in that
code?
(1) JOENQF (2) JMCPQD
(3) JOEPSF (4) HMCNQD
(5) None of these
7. Geeta is elder to Seeta but not to Deepa. Gayatri is younger than Deepa. No one is elder to
Fatima. Who is youngest of them all?
(1) Seeta (2) Geeta
(3) Gayatri (4) Data not sufficient
(5) None of these
8. Raman is sitting to the immediate left of Harry but not next to Kamal. Mahesh is sitting to the
right of Kamal. If the four friends are sitting in a circle who is sitting to the immediate right of
Harry?
(1) Mahesh (2) Kamal
(3) Raman (4) Harry
(5) Cannot be determined
9. How many three letter meaningful English words can be formed from the word NOTE beginning
with ‘T' and without repeating any letter?
(1) Three (2) One
(3) Two (4) None
(5) None of these
Directions (11-15): Answer question 11 to 15 based on the following sequence:
A $ B # 9 G 3D K « M ? C Q 2 X 7 P 5 U 8 I 4 Y ə J
11. How many elements in the above arrangement are both immediately preceded and immediately
followed by a number?
(1) One (2) Two
(3) Three (4) Five
(5) None of these
12. Which of the following will be the fifteenth element from the left end if all the numbers are
arranged in descending order from left to right, keeping the position of the other elements in
arrangement un-changed?
(1) 5 (2) 4
(3) 7 (4) 8
(5) None of these
13. How many letters in the above arrangement are immediately followed by a symbol?
(1) Two (2) Five
(3) Four (4) Three
(5) None of these
14. Which of the following will be eighth to the left of the twelfth from the left end of the
arrangement?
(1) # (2) 7
(3) U (4) 9
(5) None of these
15. Four of the following five are alike in a certain way based on their position in the above
arrangement and so form a group. Which is the one that does not belong to that group?
(1) G$M (2) K9Q
(3) ?D7 (4) 2MU
(5) PCI
16. In a certain code language' In ba pe' means ‘he has won','le ki ba' means ‘she has lost' and ‘in se
pe' means ‘he always won'. Which word in that language means ‘he'?
(1) in (2) pe
(3) se (4) Data not sufficient
(5) None of these
17. X is Y's brother. S is T's mother and X's aunt. How is T related to X?
(1) Sister (2) Cousin
(3) Aunt (4) Cannot be determined
(5) None of these
18. If the letters of the word OBSERVANT are interchanged, such that the first becomes ninth,
second becomes eighth, and so on, and the position of the fifth letter remains unchanged then what
will be the new arrangement of letters?
(1) TNAVERSBO (2) TNVARESBO
(3) NTAVERSBO (4) VANTRESBO
(5) None of these
19. If 1 is coded as Ś, 5 is coded as %, 6 is coded as «, 3 is coded as +, 7 is coded as # and 4 is coded
as ? What will be the correct form of the number 435671?
(1) ? + % « # Ś (2) ? + % Ś # «
(3) ? + « % # Ś (4) Ś # « % + ?
(5) None of these
20. Which of the following have the same relationship as BREAD:DBARE?
(1) SWORN: NSOWR (2) FUNDS: FSDUN
(3) GLAZE : EGZAL (4) LOWER: RLEWO
(5) None of these
Directions (21-25): Read the following information and attempt the given questions:
Six executive Aman, Bindu, Deepa, Jitu, Kamal and Priyanka have to advertise four products i.e.
soap, watches, computers and chocolates on 3 different channels, i.e. Go, Come and Fun either
alone or in pairs. An executive can visit only one channel and advertise only one product. No more
than two executives can advertise on a channel.
(i) Bindu and Jitu both visit the same channel but advertise different products.
(ii) Aman who visits ‘Go' advertises neither soap nor computers.
(iii) Kamal does not advertise chocolates.
(iv) No girl advertises soap.
(v) The two executives who advertise chocolates visit Spice
(vi)
21. Who advertises watches?
(1) Deepa (2) Kamal
(3) Aman (4) Priyanka
(5) None of these
22. Which of the following Channel-product pairs in definitely incorrect?
(1) Go-watch (2) Come-computer
(3) Go-soap (4) Come-soap
(5) Come-watch
23. Which channel does Kamal visit?
(1) Go (2) Fun
(3) Come (4) Cannot be determined
(5) None of these
24. If Bipasha advertises computers which of the following must be true?
(1) Jitu advertises soap (2) Jitu advertises watches
(3) Kamal advertises computers (4) Kamal works for Fun
(5) None of these
25. What will Jitu advertise?
(1) Chocolates (2) Watches
(3) Computers or watches (4) Cannot be determined
(5) None of these
26. Swaroop and Simple want to attend a seminar together between 9 a.m. to 5 p.m. on Friday.
Simple cannot leave till after her lunch break which begins at 1.30 p.m. Swaroop is free after her
meeting which ends at noon. For how many hours can the two of them attend the seminar?
(1) 3 ½ hours (2) 2 ½ hours
(3) 4 ½ hours (4) Cannot be determined
(5) None of these
27. How many pairs of letters are there in the word ANSWER each of which has as many letters
between them in the word as there are in the English language?
(1) One (2) Two
(3) Four (4) Three
(5) None of these
28. Find the odd one out
(1) 2 (2) 7
(3) 11 (4) 13
(5) 9
29. If all the letters in the word MERCIFUL are rearranged in alphabetical order and substituted
by the alphabet preceding them in the English alphabet what will be the new arrangement of
letters?
(1) BDHEKLQT (2) BDEHKLQT
(3) BDEHLKQT (4) BDEJMLQT
(5) None of these
30. Out of 38 families in a housing society 5 subscribe to Hindi news-papers alone, 12 subscribe to
both Hindi and Marathi newspapers. Find the number of Maranthi news-paper subscribers.
(1) 9 (2) 21
(3) 17 (4) Cannot be determined
(5) None of these
Directions (31-35): Below are given letters and their numeric codes. Below that are given some
conditions to be followed while codifying the given letter groups in each question. Study them and
find out the correct numeric coded form of the given letter group in each question. If none of the
coded forms is correct, your answer will be (5) i.e. ‘None of these'.
Letters M Q I N E Y U G R
Numeric 2 5 3 7 1 8 4 6 9
Codes
Conditions:
(i) If the first and last letters are vowels both are to be coded as Ś.
(ii) If the second letter is a vowel and the third letter is a consonant a single code is to be used and
both are to be coded jointly as %.
(iii) If the first letter is a consonant and the last letter is a vowel both are to be coded as?
31. ENIMY
(1) 1%28 (2) ?732?
(3) 17328 (4) ?7328
(5) None of these
32. GENIR
(1) ?173? (2) 6%39
(3) 6%79 (4) 61739
(5) None of these
33. QUERI
(1) 5%93 (2) ?413?
(3) ?4139 (4) ?419?
(5) None of these
34. EINUM
(1) 1%72 (2) 0%42
(3) 1374? (4) 1%43
(5) None of these
35. UNGRE
(1) Ś769 Ś (2) 4769 Ś
(3) 47691 (4) Ś7691
(5) None of these
Directions (36-40): In each question below are two 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 from commonly known facts and then decide which of the given conclusions logically
follows from the two statements disregarding commonly known facts.
Give answer (1) if only conclusion I follows.
Give answer (2) if only conclusion II follows.
Give answer (3) if either conclusion I or II follows.
Give answer (4) if neither conclusion I nor II follows.
Give answer (5) if both conclusions I or II follow.
36. Statements: Some pencils are lead. All lead are ink
Conclusions:
I. Some ink are pencils.
II. All ink are lead.
37. Statements: Some ovens are refrigerator. Some refrigerators are ACs.
Conclusions:
I. Some ACs are ovens.
II. No. AC is oven.
38. Statements: All planes are birds. All birds are clouds.
Conclusions:
I. Some planes are clouds.
II. Some clouds are birds.
39. Statements: Some sweets are salt. No salt in spice.
Conclusions:
I.. Some sweets are spice.
II. No spice is salt.
40. Statements: Some papers are plastics. All papers are clothes.
Conclusions:
I. Some plastics are clothes.
II. Some plastics are papers.
Directions (41-45): Each of the following questions below consists a question and two statements
numbered I and II given below it. You have to decide if the data provided in the statements are
sufficient to answer the question. Read both statements and:
Give answer (1) if the data in statements I alone is sufficient to answer the question while the data
in statement II is not sufficient to answer the question.
Give answer (2) if the data in statement II alone is sufficient to answer the question, while the data
in statement I alone is not sufficient to answer the question.
Give answer (3) if the data either in statement I alone or in statement II alone is sufficient to answer
the question.
Give answer (4) if the data in both the statements I and II are not sufficient to answer the question.
Give answer (5) if the data in both the statements I and II together are necessary to answer the
question.
41. How is ‘cricket' written in a code language?
I. ‘Dinesh play cricket' is written as ‘do si ha'.
II. ‘play cricket now' is written as ‘ha si ma'.
42. Who is the oldest among L, M, N, O,P?
I. P is older than M and N but not O.
II. L is older than O.
43. When is Rahul's birthday?
I. Rahul and Shivani are twins.
II. Rahul was born on the last day of February in a leap year.
44. What is the strength of the class?
I. Shekhar stood 28 ranks below the top ranker and Mahesh who stood 5 ranks below him stood
last.
II. Jayesh was 9 ranks below Ramesh who stood 27th from the top.
45. How far does Shruti live from the school?
I. Shruti has to cycle 3 kms. To her friend Mina's house which is 4 kms. From thee school.
II. Gitanjali lives exactly opposite the school and walks 2 kms. to reach Shruti's house.
Directions (46-50): The following questions are based on the five three digit numbers given below:
972 526 487 359 251
46. If the positions of the firs and second digits are interchanged which of the following will be third
if they are arranged in ascending order?
(1) 359 (2) 972
(3) 526 (4) 487
(5) 251
47. If 2 is added to the sum of the digits of each of the above numbers how many will be multiples of
5?
(1) None (2) One
(3) Two (4) Three
(5) None of these
48. If 1 is subtracted from the last digit of each of the above numbers the sum of the digits of how
many of them are prime numbers?
(1) None (2) Two
(3) One (4) Three
(5) All five
49. If the digits in each of the above numbers are written in reverse order which will be the second
highest number?
(1) 251 (2) 359
(3) 487 (4) 526
(5) 972
50. If the positions of the digits of each of the numbers are interchanged such that the first becomes
second, second becomes third and third becomes firs, which, of the following will be the highest?
(1) 972 (2) 526
(3) 487 (4) 251
(5) 359
Answer Key for Mental Aptitude Reasoning
1. (3) 2. (5) 3. (2) 4. (2) 5. (2)
6. (3) 7. (4) 8. (2) 9. (1) 10. (1)
11. (4) 12. (3) 13. (2) 14. (1) 15. (5)
16. (4) 17. (2) 18. (5) 19. (1) 20. (5)
21. (3) 22. (4) 23. (1) 24. (2) 25. (3)
26. (1) 27. (2) 28. (5) 29. (2) 30. (5)
31. (3) 32. (2) 33. (4) 34. (5) 35. (1)
36. (1) 37. (3) 38. (5) 39. (2) 40. (5)
41. (4) 42. (5) 43. (2) 44. (1) 45. (3)
46. (1) 47. (4) 48. (3) 49. (3) 50. (5)
1. How many mango trees will be accommodated with a spacing of 5•0 m x 5•0 m in an area
one Hectare ?
(A) 400 tree/ha
(B) 750 tree/ha
(C) 800 tree/ha
(D) 850 tree/ha
(E) 900 tree/ha

2. Of the Total Net Bank Credit (NBC) of the Public Sector Banks at the end of March 2007,
what is the share of Agricultural Lending (Direct and Indirect) ?
(A) 13•6 per cent
(B) 14•6 per cent
(C) 15•6 per cent
(D) 16•6 per cent
(E) 17•6 per cent

3. What is the average yield per lactation in buffalo in India ?

(A) 1200 kg
(B) 1250 kg
(C) 1300 kg
(D) 1350 kg
(E) 1400 kg

4. Which one of the following Districts of Andhra Pradesh is considered as the ‘Hub of Fresh
Fish Farming’ ?
(A) Nellore
(B) Guntur
(C) Krishna
(D) Godavari
(E) Anantpur

5. At present, per capita availability of milk in India is about—

(A) 200 gram per day
(B) 210 gram per day
(C) 215 gram per day
(D) 220 gram per day
(E) 225 gram per day

6. Under the cold storage, this crop requires 0-1 degree Celsius temperature and 98–100 per
cent humidity ……… .
(A) Brinjal
(B) Bhindi
(C) Peas
(D) Grape
(E) Banana

7. This Hybrid variety of Sorghum (Jowar) is high yielding, tolerant to shoot fly, stemborer, with
good roti making qualities suitable for Maharashtra state under Kharif and Rabi Seasons—
(A) AKSV 13 R
(B) SPV 1155 (Variety)
(C) SHD 9690 (Hybrid)
(D) DSV 5 (Variety)
(E) DSV 4 (Variety)

8. Which one of the following Agrofood sector in India has ‘Highest Level of Processing’
(percentage of total production) ?
(A) Fruits and Vegetables
(B) Milk and Milk Products
(C) Buffalo Meat
(D) Poultry Product
(E) Marine Products

9. This Micro Finance Institution (MFI) in India, is one of the fastest growing MFI in the world
with annual growth rate of 200 per cent—
(A) PRADHAN
(B) BASIX
(C) SKS
(D) MYRADA
(E) Sadaguru Seva Trust

10. This Sunflower Hybrid Variety is tall (150 cm–180 cm), early in maturity (95 days), yields 1•7
tonnes to 2•0 tonnes per hectare, is recommended for cultivation at all India level—
(A) KBSH 44 (Hybrid)
(B) KBSH 41 (Hybrid)
(C) KBSH 42 (Hybrid)
(D) LSFH 35 (Maruti-Hybrid)
(E) PSFH 118 (Hybrid)

11. As on March 2007, of the total Kisan Credit Cards (KCC) issued to farmers by Formal
Financial Institutions in India, the share of commercial banks is about—
(A) 37 per cent
(B) 45 per cent
(C) 47 per cent
(D) 49 per cent
(E) 51 per cent

12. During the last four decades, there had ‘Not been any meaningful gain in production’ of this
group of crops in India ……… .
(A) Oilseed crops
(B) Plantation crops
(C) Aromatic and Medicinal plants
(D) Horticultural crops
(E) Pulse crops

13. Which one of the following countries, ranked first in the Inland Fisheries production in 2004-
05 ?
(A) Japan
(B) United States
(C) China
(D) India
(E) Thailand

14. What percentages of total cultivable area in India, is presently under ‘Fodder’ production ?
(A) 3•60 per cent
(B) 4•60 per cent
(C) 5•60 per cent
(D) 6•60 per cent
(E) 7•60 per cent

15. This country ranked first in production of ‘Mushrooms’ in the world—

(A) China
(B) Nepal
(C) Bangladesh
(D) Indonesia
(E) Brazil

16. In which one of the following states, more than 2,000 ‘Vermicomposting units’ started by
individuals and/or organization in rural and urban centres ?
(A) Maharashtra
(B) Andhra Pradesh
(C) Punjab
(D) Himachal Pradesh
(E) Karnataka

17. Nearly 35 per cent of the total ‘Fish Processing Facilities’ in India is concentrated in this
state—
(A) Goa
(B) Kerala
(C) Tamil Nadu
(D) Maharashtra
(E) Karnataka

18. This is a premier Institute/Board/Authority set up by Government of India for providing

technical and financial support for creation of postharvest infrastructure for Horticultural crops in
India—
(A) APEDA
(B) NCDC
(C) NHB
(D) MPEDA
(E) None of these

19. Which one of the following crops you will suggest to a Big Farmer for getting higher yields
and good income under the ‘Protected cultivation’ or under ‘Green-House condition’?
(A) Coloured Capsicum
(B) Vegetable Nursery
(C) Brinjal
(D) Sweet Corn
(E) Lettuce

20. Which one of the following Private Corporate Companies in India is a leader in organized
sector producing ‘Potato chips’ in India?
(A) ITC
(B) HLL
(C) Clean Food
(D) Pepsi Co.
(E) GD Foods

21. In which one of the following Indian states, percentage of total cultivable area under
Horticultural crops is only 2•75 per cent?
(A) Madhya Pradesh
(B) Rajasthan
(C) Jharkhand
(D) Chhattisgarh
(E) Uttar Pradesh

22. What percentage of ‘All Economically Productive women population’ in India are engaged in
Agriculture including animal husbandry and fisheries ?
(A) 38 per cent
(B) 48 per cent
(C) 58 per cent
(D) 68 per cent
(E) 78 per cent

23. In which year, the ‘Varsha Bima Yojana’ (Insurance against the adverse incidence of rainfall)
was started in India ?
(A) 2004
(B) 2005
(C) 2006
(D) 2007
(E) 2008

24. Which one of the following states, the extent of financial exclusion is between 50 to 75 per
cent ?
(A) Bihar
(B) Karnataka
(C) Tamil Nadu
(D) Jharkhand
(E) West Bengal

25. A field of work in which people aim to improve the access of rural communities to efficient,
sustainable financial services is known as or categorized as—
(A) Agricultural Finance
(B) Rural Finance
(C) Micro Finance
(D) Financial Institution
(E) Financial Intermediary

26. The Science of cultivation and harvesting of fruits is called ‘Pomology’, however, of the
following fruits, this fruit crop presently is not covered under the ‘Pomology’—
(A) Water-melon
(B) Banana
(C) Strawberry
(D) Sapota
(E) Custard Apple

27. The ‘Productivity of Banana’ (yield per hectare) is highest in this state—
(A) Tamil Nadu
(B) Kerala
(C) Karnataka
(D) Maharashtra
(E) Gujarat

28. Pepsi Co. started Contract farming in Guntur district of Andhra Pradesh for preparation of—
(A) Tomato purees
(B) Basmati Rice
(C) Groundnut Butter
(D) Sunflower Oil
(E) Chilli Paste for Export

29. At present, how many National Research Institutes are working on Development of
Products/crops under ‘Agricultural Biotechnologies’ in India ?
(A) 20
(B) 25
(C) 30
(D) 35
(E) 40

30. ‘Shifting Cultivation’ is practiced in India covering about 14•66 lakh hectare area, where in
this state ranked first with 3•75 lakh hectare—
(A) Assam
(B) Arunachal Pradesh
(C) Manipur
(D) Meghalaya
(E) Tripura

31. Which one of the following flower crops is native of India ?

(A) Gladious
(B) Bougainvillea
(C) Tuberose
(D) Orchids
(E) All these

32. What is the Total Plan allocation (Rs. crores) for development of Rainfed/Dryland Agriculture
in the XIth Five Year Plan Period (2007-08 to 2011-2012) ?
(A) Rs. 65,000 crore
(B) Rs. 70,000 crore
(C) Rs. 75,000 crore
(D) Rs. 80,000 crore
(E) Rs. 85,000 crore

33. As on March 31, 2007, how many of the Public Sector Banks had achieved Direct
Agricultural Lending Target (13•5 per cent of Net Bank Credit) stipulated by the RBI ?
(A) Eight
(B) Nine
(C) Ten
(D) Eleven
(E) Twelve

34. This ‘Mango Hybrid Variety’ is early maturity, dwarf and having attractive colour, suitable for
‘Chotanagpur Region’ for the India—
(A) Amrapali
(B) Safed Maldah
(C) Malika
(D) Gulab Khas
(E) Ratna

35. Production period in case of tea after gestation period is to the extant of …… .
(A) 100 years
(B) 50 years
(C) 25 years
(D) 10 years
(E) 5 years

36. Recently, this Public Sector Bank, had launched an innovation called ‘Village Knowledge
Centre’ wherein technology is used to help the farmers improve his productivity—
(A) Punjab National Bank
(B) Central Bank of India
(C) United Bank of India
(D) United Commercial Bank
(E) Union Bank of India

37. As on 31 March, 2008, which one of the following Microfinance Programmes have covered
the largest number of BPL/poor families in India ?
(A) SHG-Bank Linkage Programme
(B) SIDBI Foundation for Micro Credit (SFMC)
(C) Rashtriya Mahila Kosh (RMK)
(D) Friends of Women’s World Banking (FWWB)
(E) Rashtriya Grameen Vikas Nidhi (RGVN)

38. Which one of the following is the name of a fungicide which can move mainly upwards within
the plant and kill the pathogen away from the point of application ?
(A) Semesan
(B) Demosan
(C) Cuprosan
(D) Tulisan
(E) Ceresan

39. As on March 2008, how many ‘No Frill Accounts’ were opened by Banks under Financial
Inclusion ?
(A) 12 million
(B) 13 million
(C) 14 million
(D) 15 million
(E) 16 million

40. This state is the Leading Producer of Vegetables in India contributing around 19 per cent of
country’s production from 17 per cent of the total area under vegetable—
(A) Maharashtra
(B) Bihar
(C) West Bengal
(D) Andhra Pradesh
(E) Karnataka

41. According to the RBI Report (2001-02), this Banking Region of the country has ‘Highest
Flow of Institutional Credit for Agriculture’ in terms of amount of credit extended in Rs. per
hectare of Gross Cropped Area—
(A) Northern Region
(B) North-Eastern Region
(C) Eastern Region
(D) Western Region
(E) Southern Region

42. Based on the Report on Trend and Progress of Banking in India (RBI, 2007), the number of
rural branches of scheduled Commercial Banks in India as on 30th June, 2007, were—
(A) 32,303
(B) 32,121
(C) 30,775
(D) 30,500
(E) 30,633

43. At present (2006), the estimated population of Tractors (Number of Tractors) in India is
about—
(A) 28 lakhs
(B) 29 lakhs
(C) 30 lakhs
(D) 31 lakhs
(E) 32 lakhs

44. This being the only country in the world producing all four known commercial varieties of silk
viz., Mulberry, Tasar, Eri and Muga—
(A) China
(B) Brazil
(C) Japan
(D) India
(E) Korean Republic

45. Which one of the following Pearl Millet (Bajra) variety is early maturity, with high yield and
suitable for Haryana State under irrigated and rainfed situation ?
(A) GHB-757
(B) HHB-146
(C) GHB-538
(D) HHB-94
(E) RHB-121

46. Of the 31 Districts identified in four states as having higher incidence of farmers suicides
due to economic distress. How many of the 31 economically distress districts belonged to
Andhra Pradesh ?
(A) 10 Districts
(B) 12 Districts
(C) 14 Districts
(D) 16 Districts
(E) 18 Districts

47. Approximately, what percentage of Total Grape produced in India every year dried for
Raising Purpose ?
(A) 10 per cent
(B) 12 per cent
(C) 14 per cent
(D) 16 per cent
(E) 18 per cent

48. The Head Quarter of ‘National Fisheries Development Board (NFDB) which was established
on 10th July, 2006 for realizing full potential of Indian Fisheries sector is located at—
(A) Rajendranagar (Hyderabad) A.P.
(B) Cochi (Kerala)
(C) Mangalore (Karnataka)
(D) Mumbai (Maharashtra)
(E) Bhubaneshwar (Orissa)

49. This Central Cattle Breeding Farm is producing ‘HFx Tharparkar Crossbred Bulls’ for
breeding purpose in India—
(A) Andeshnagar (U.P.)
(B) Dhamrod (Gujarat)
(C) Hassergatha (Karnataka)
(D) Suratgarh (Rajasthan)
(E) Alamdhi (Tamil Nadu)

50. Which one of the following countries, ‘Annual Per Capita Consumption’ of Wine is highest
(50 litres) ?
(A) China
(B) Australia
(C) USA
(D) France
(E) Germany

Answers :
1. (A) 2. (A) 3. (D) 4. (A) 5. (E) 6. (C) 7. (B) 8. (B) 9. (C) 10. (A)
11. (A) 12. (E) 13. (C) 14. (A) 15. (A) 16. (B) 17. (B) 18. (A) 19. (A) 20. (A)
21. (B) 22. (B) 23. (A) 24. (D) 25. (C) 26. (A) 27. (D) 28. (B) 29. (C) 30. (E)
31. (D) 32. (D) 33. (D) 34. (A) 35. (D) 36. (E) 37. (A) 38. (B) 39. (E) 40. (B)
41. (E) 42. (E) 43. (C) 44. (C) 45. (A) 46. (D) 47. (C) 48. (A) 49. (A) 50. (C)

Paper : Indian Overseas Bank Probationary Officers Exam., 2008 Solved Paper

1. As we all know rise of the ‘BRICs’ has left a vast impact on almost all aspects of the
global economy. However, which of the following cannot be called as the direct effect(s)
of ‘Rise of the BRICs’ on global/other powerful economy/economies ?
1. Countries like China wish to learn more about outsourcing from India.
2. It has made countries to suffer from Sub-prime Crisis.
3. EURO has become a powerful currency and many non-Euro countries are in ‘Swap
Agreement’ with various nations.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these

2. As per the reports published in the newspapers/journals how much amount the Govt.
of India is planning to infuse in Public Sector Banks to make them competitive and
strong globally ?
About—
(A) Rs. 10,000 crore
(B) Rs. 15,000 crore
(C) Rs. 20,000 crore
(D) Rs. 25,000 crore
(E) Rs. 30,000 crore

3. What is the maximum stake the Govt. of India has in any public sector bank at
present ?
(A) 40%
(B) 49%
(C) 50%
(D) 64%
(E) 74%

4. Which of the following is not a major highlight of the Union Budget 2008-09 ?
1. A target of Rs. 2•80 lakhs crore is fixed for providing credit to agriculture sector.
2. Limit of the Banking Cash Transaction Tax is raised from present 1% to 1•5%.
3. PAN requirement is not mandatory for financial transactions. Other Ids are also
acceptable.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 2 and 3
(E) All 1, 2 and 3

5. As per the news in major financial newspapers a ‘Rashtriya Swasthya Bima Yojana’ is
launched in Delhi and Haryana States for members of unorganized sectors. Under the
scheme each family is likely to get the benefit of Rs.………
(A) 15,000
(B) 20,000
(C) 25,000
(D) 30,000
(E) 50,000

6. As proposed in the Union Budget 2008-09 a ‘Risk Capital Fund’ is set up by the Govt.
of India. Who amongst the following will maintain and operate that fund ?
(A) NABARD
(B) SIDBI
(C) ECGC
(D) RBI
(E) None of these

7. As per the Economic Survey 2007-08 presented in the Lok Sabha in February 2008,
what has been the percentage growth in Bank credit ? About—
(A) 10%
(B) 15%
(C) 18%
(D) 21%
(E) 26%

8. As per the budget of the Indian Railways for 2008-09 the operating ratio of the railways
has—
(A) Improved only by 0•5%
(B) Decreased by 0•5%
(C) Remained at the same level on which it was in 2007-08
(D) Reached at the level of 81%
(E) Reduced to the level of 63% which was the level of 2000-01

9. The government of India has launched a new scheme for the ‘Girl Child’. What is the
name of the scheme ?
(A) Raj Lakshmi
(B) Rani Bitia
(C) Dhan Lakshmi
(D) Aanandita
(E) None of these

10. The President of India recently signed the much-awaited notification for the
implementation of the suggestions made by the ‘Delimitation Commission’.
What will be the effect of this notification ?
(A) Parliamentary and Assembly constituencies will be redefined
(B) Candidates from SC/ST categories will get all benefits for another 15 years’ time
(C) The boundaries of the National Capital, New Delhi will be extended further
(D) Operations of the Cooperative Banks and Societies will not be limited to the state of
their origin. They will also be like Public Sector Banks
(E) None of these

11. As per the new policy the number of Judges in the Supreme Court would be now—
(A) 21
(B) 25
(C) 26
(D) 30
(E) 31
12. As per the reports published in the newspapers the banks, particularly public sector
banks are tying up with various rating agencies for providing a qualitative assessment of
the credit needs of the borrowers. Which amongst the following is/are such credit rating
agencies in India ?
1. CARE
2. CRISIL
3. ULIP
(A) Only 1
(B) Only 2
(C) 1 and 2 only
(D) Only 3
(E) All 1, 2 and 3

13. As per the newspaper reports the RBI is planning to introduce ‘Plastic Currency
Notes’. What is/are the benefits of ‘Plastic Notes’ ?
1. Their Shelf life will be longer.
2. It will replace plastic money or credit, debit cards which are giving birth to many
fraudulent practices.
3. Printing will be cheaper.
(A) Only 3
(B) Only 2
(C) Only 1
(D) All 1, 2 and 3
(E) None of these

14. ‘Sub Prime Lending’ is a term applied to the loans made to—
(A) Those borrowers who do not have a good credit history
(B) Those who wish to take loan against the mortgage of tangible assets
(C) Those who have a good credit history and are known to bank since 10 years
(D) Those borrowers who are most preferred customers of the Bank
(E) None of these

15. As per the reports published in various journals and newspapers the ‘small
borrowers’ in rural areas still prefer to take informal route for their credit needs. Which of
the following is the ‘informal route’ of credit in financial sector ?
(A) Credit cards
(B) Loan against gold from financial institute
(C) Debit cards
(D) Money lender
(E) None of these

16. The Planning Commission of India has set up a 12 member committee on financial
sector reforms. Who is the Chairman of the Committee ?
(A) Janki Raman
(B) Raghuram Rajan
(C) Rakesh Mohan
(D) K. V. Kamath
(E) None of these

17. Basel-II norms are associated with which of the following aspects of the banking
industry ?
(A) Risk management
(B) Manpower planning
(C) Retirement benefits for the employees
(D) Corporate Governance
(E) None of these

18. What is meant by ‘Underwriting’ the term frequently used in financial sector ?
(A) Under valuation of the assets
(B) The Act of taking on a risk for a fee
(C) Giving a Guarantee that a loan will not become a bad loan
(D) The act of permission to float an IPO
(E) None of these

19. The government of India recently constituted the New Finance Commission (13th).
What are its major functions ? To decide—
1. The salary structure of the employees of the Central Government.
2. The distribution of the net proceeds of taxes between states and Central Govt.
3. Rate of Income Tax and other taxes collected by the Union Govt.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these

20. Who amongst the following was the Captain of the Indian cricket team which
registered its victory in tri-series ODI matches against Australia played in March 2008 ?
(A) M.S. Dhoni
(B) Anil Kumble
(C) Rahul Dravid
(D) Saurav Ganguly
(E) Sachin Tendulkar

21. Mr. Nicolas Sarkozy who was the chief guest during the Republic Day Function 2008
is the—
(A) President of Brazil
(B) Prime Minister of Brazil
(C) President of France
(D) Prime Minister of France
(E) Foreign Secretary of USA

22. Who amongst the following has taken over as the President of Serbia after the
General elections held there in February 2008 ?
(A) Boris Tadic
(B) Tomislav Nicolic
(C) Samak Sundaravej
(D) Novak Djokovic
(E) None of these

23. Indra K. Nooyi who was elected as the Chairperson of the US-India Business Council
is the CEO of which of the following Companies ?
(A) Pepsi Co.
(B) Infosys
(C) Tata Consultancy Services
(D) NIIT
(E) None of these

24. Maria Sharapova won the Australian Open 2008 Women’s singles by defeating—
(A) Shahar Peer
(B) Kateryna Bondarenko
(C) Sania Mirza
(D) Victoria Azarenka
(E) Ana Ivanovic

25. Saina Nehwal won the Seniors’ Championship match of which of the following games
held in Goa in January 2008 ?
(A) Golf
(B) Tennis
(C) Table tennis
(D) Archery
(E) Badminton

26. As per the news published in some newspapers magazines two PSUs National
Thermal Power Corporation and Coal India Ltd. are going to float a joint venture ‘SPV’.
What is the full form of ‘SPV’ ?
(A) Small Power Venture
(B) Special Purpose Vehicle
(C) Special Power Venture
(D) Small Purpose Vehicle
(E) None of these

27. The Telecom Regulatory Authority of India (TRAI) recently agreed to allow foreign
direct investment in the field of mobile television services. Upto what extent FDI is
allowed in this field ?
(A) 50%
(B) 60%
(C) 64%
(D) 70%
(E) 74%

28. As per the performance assessment data released by the Economic Advisory Council
(EAC) in January 2008. Which of the following sectors registered a growth of 3•6 per cent
?
(A) Agriculture Sector
(B) Banking Sector
(C) Tourism Sector
(D) Aviation Services Sector
(E) None of these

29. Which of the following is the name of very violent and serious types of winds which
bring lot of disaster ?
(A) Trade winds
(B) Hurricane
(C) Cirrus
(D) Stratus
(E) None of these

30. The Global Employment Trends Report 2008 published by the International Labour
Organization has indicated that there may be increase in global unemployment. What
according to them is/are the major reasons of this possibility ?
1. Turmoil in Credit Markets all over the world.
2. Rise in oil prices in international market.
3. Civil unrest in some under and undeveloped nations.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 2
(E) None of these

31. As we have noticed many banks of Indian origin are opening offices/branches in
foreign countries. Why is this trend emerging at a very fast pace ?
1. These Banks wish to provide banking facilities to foreigners as banking facilities are
not plenty in many foreign countries. India wants to take an advantage of the situation.
2. These banks wish to help Indian firms to acquire funds at internationally competitive
rates.
3. These banks wish to promote trade and investment between India and other countries.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) Only 2 and 3

32. Many economists, bankers and researchers in India often advocate that banks should
equip themselves for new challenges. These challenges are in which of the following
shapes/forms ?
1. As Indian economy is getting increasingly integrated with the rest of the world the
demand of the Corporate banking is likely to change in terms of size, composition of
services and also the quality.
2. The growing foreign trade in India will have to be financed by the local banks.
3. Foreigners are habitual of the comforts provided by the technology. India has to do a
lot in this reference.
(A) Only 1 is correct
(B) Only 2 is correct
(C) Only 3 is correct
(D) All 1, 2 and 3 are correct
(E) None of these

33. As per the reports published in the newspapers Indian Rupee is now fully accepted in
Asian countries like, Singapore, Hong Kong, Malaysia etc. What does it really mean ?
1. Anybody from Asian country can purchase Indian Rupee and keep it in his/her bank
account in his/her country without any restrictions.
2. Now people in these nations are not required to go for a double conversion first in
dollar and then in rupee.
3. People travelling European/Asian countries can make their payments in rupee
anywhere without any problem.
(A) Only 1 is correct
(B) Only 2 is correct
(C) Only 3 is correct
(D) All 1, 2 and 3 are correct
(E) None of these

34. Which of the following is not a banking/finance related term ?

(A) Credit wrap
(B) EMI
(C) Held to Maturity
(D) Exposure limit
(E) Diffusion

35. Very often we read about the Doha Ministerial Conference 2001 in reference to WTO
negotiations. What were the major issues over which nations were of different opinions ?
1. Providing subsidy to agriculture.
2. Export of patented drugs/medicines by developed nations.
3. Restriction on natural movement of people from one nation to other.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 and 3
(E) None of these
36. The Technology Mission on Cotton was launched during Xth plan. The scheme was
designed to get increase in production of cotton by which of the following levels by the
end of the plan ?
(A) 100 lakh bales
(B) 150 lakh bales
(C) 175 lakh bales
(D) 200 lakh bales
(E) None of these

37. A National Development Fund was created by the Government of India a few years
ago. What was the purpose of the fund ?
1. Boost investment in social sector projects to promote education, healthcare and
employment.
2. Capital investments in selected profitable PSEs to yield adequate returns.
3. To fund revision in pay structure of Central Government employees.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Both 1 and 2
(E) None of these

38. Olympic 2008 are scheduled to be held in—

(A) Paris
(B) Tokyo
(C) London
(D) Moscow
(E) None of these

39. The general elections took place in which of the following countries in March 2008 ?
(A) Iran
(B) Iraq
(C) Afghanistan
(D) Myanmar
(E) Sri Lanka

40. Who amongst the following is the author of the book ‘Economic Nightmare of India’ ?
(A) Morarji Desai
(B) K. Rajeshwar Rao
(C) Charan Singh
(D) Jyoti Basu
(E) None of these

41. As per the targets for 11th plan educated unemployment is to be reduced to which of
the following levels ?
(A) 5%
(B) 6%
(C) 7%
(D) 8%
(E) 9%

42. ‘Long Walk’ to Freedom’ is a book written by—

(A) Sonia Gandhi
(B) L. K. Advani
(C) Nelson Mandela
(D) Benazir Bhutto
(E) Nawaz Sheriff

43. India recently signed a pact with which of the following countries on solving the
problems of Indian labour in that country ?
(A) Iran
(B) UAE
(C) Malaysia
(D) Kuwait
(E) None of these

44. Which of the following countries is trying to launch a Satellite to study the sun ?
(A) USA
(B) India
(C) Russia
(D) China
(E) None of these

45. Jang Hyun Jong who was adjudged as the ‘Asian Hockey Player of the year’ is from—
(A) China
(B) Singapore
(C) South Korea
(D) India
(E) None of these

46. Who amongst the following is the winner of Padma Vibhushan Awards given away
recently ?
(A) Rahul Gandhi
(B) Priya Dutt
(C) Vinod Dua
(D) Ratan Tata
(E) None of these

47. Which of the following films was adjudged ‘Best Film’ in 14th Star Screen Awards
given away in January 2008 ?
(A) Om Shanti Om
(B) Guru
(C) Taare Zameen Par
(D) Jab We Met
(E) Chak De India

48. A meeting of the European Leaders was held in January 2008 at which of the
following places to discuss ‘Global Economic Turmoil’ ?
(A) London
(B) New Delhi
(C) New York
(D) Tokyo
(E) Milan

49. Castro Sibling is the new President of—

(A) Romania
(B) Cuba
(C) Israel
(D) Venezuela
(E) None of these

50. Kosovo declared itself independent from which of the following countries ?
(A) Ukraine
(B) Croatia
(C) Serbia
(D) Russia
(E) None of these

Answers with Explanations :

1. (B) 2. (C) 3. (E) 4. (A) 5. (D) 6. (B) 7. (D) According to Economic Survey 2007-08, the
percentage growth in bank credit is 21•5%. 8. (D) 9. (C) 10. (A) 11. (E) 12. (A) 13. (C) 14. (A)
15. (D) 16. (B) 17. (A) 18. (A) 19. (B) 20. (A) 21. (C) 22. (A) 23. (A) 24. (E) 25. (E) 26. (B) 27.
(E) 28. (A) 29. (B) 30. (D) 31. (E) 32. (A) 33. (D) 34. (E) 35. (A) 36. (D) 37. (A) 38. (E) 39. (A)
40. (C) 41. (A) 42. (C) 43. (D) 44. (A) 45. (C) 46. (D) 47. (E) 48. (A) 49. (E) 50. (E)