Thursday, March 11, 2010

Bank of Baroda Recruitment 1200 PO


Vacancies:1200
SC 183
ST 91
OBC 326
other 600

Age(as on 01.01.2010)
Minimum-21years
Maximum-30 Years

Amount of Fee
SC/ST/Person with Disability-50/-
GEN/OBC/Ex-Servicemen-300/-

Important Dates
Registration open - 15.3.2010 TO 10.04.2010
Date of Written test - 30.05.2010

Qualification
Degree in any discipline from a recognized university or any eqivalent qualification recognized by central Government Should be computer literate ...
Candidates who aare appearing for final year examination of Graduation are also eligible to apply provided they produce of having passed the graduation examination on or before 01.07.2010.

Download Cash Voucher From here
For more Details Click Here

Budget 2010 Part-2


PART B TAX PROPOSALS
The Centralized Processing Centre at Bengaluru is now fully functional and is
processing around 20,000 returns daily. This initiative will be taken forward by
setting up two more Centres during the year.
The Income Tax department has introduced “Sevottam”, a pilot project at Pune,
Kochi and Chandigarh through Aayakar Seva Kendras, which provide a single window
system for registration of all applications including those for redressal of grievances
as well as paper returns. The scheme will be extended to four more cities in the year.
Automation of Central Excise & Service Tax, has already been rolled out throughout
the country this year. Similarly, a Mission Mode Project for computerization of
Commercial Taxes in States has been approved recently. With an outlay of
Rs. 1133 crore of which the Centre’s share is Rs. 800 crore, the project will lay the
foundation for the launch of GST.
The income tax department to notify SARAL-II form for individual salaried
taxpayers for the coming assessment year.
Scope of cases which may be admitted by the Settlement Commission expanded to
include proceedings related to search and seizure cases pending for assessment.
Scope of Settlement Commission also expanded in respect of Central Excise and
Customs to include certain categories of cases that hitherto fell outside its
jurisdiction.
Bi-lateral discussions commenced to enhance the exchange of bank related and
other information to effectively track tax evasion and identify undisclosed assets
of resident Indians lying abroad.
Direct Taxes
Income tax slabs for individual taxpayers to be as follows
Income upto Rs 1.6 lakh Nil
Income above Rs 1.6 lakh and upto Rs. 5 lakh 10 per cent
Income above Rs.5 lakh and upto Rs. 8 lakh 20 per cent
Income above Rs. 8 lakh 30 per cent
Deduction of an additional amount of Rs. 20,000 allowed, over and above the
existing limit of Rs.1 lakh on tax savings, for investment in long-term infrastructure
bonds as notified by the Central Government
Besides contributions to health insurance schemes which is currently allowed as a
deduction under the Income-tax Act, contributions to the Central Government Health
Scheme also allowed as a deduction under the same provision.
Current surcharge of 10 per cent on domestic companies reduced to 7.5 per cent.
Rate of Minimum Alternate Tax (MAT) increased from the current rate of 15 per
cent to 18 per cent of book profits.
To further encourage R&D across all sectors of the economy, weighted deduction
on expenditure incurred on in-house R&D enhanced from 150 per cent to 200 per
cent. Weighted deduction on payments made to National Laboratories, research
associations, colleges, universities and other institutions, for scientific research
enhanced from 125 per cent to 175 per cent.
Payment made to an approved association engaged in research in social sciences
or statistical research to be allowed as a weighted deduction of 125 per cent. The
income of such approved research association shall be exempt from tax.
Benefit of investment linked deduction under the Act extended to new hotels of
two-star category and above anywhere in India to boost investment in the tourism
sector.
Allow pending projects to be completed within a period of five years instead of
four years for claiming a deduction of their profits, as a one time interim relief to
the housing and real estate sector. Norms for built-up area of shops and other
commercial establishments in housing projects to be relaxed to enable basic facilities
for their residents.
Limits for turnover over which accounts need to be audited enhanced to Rs. 60
lakh for businesses and to Rs. 15 lakh for professions.
Limit of turnover for the purpose of presumptive taxation of small businesses
enhanced to Rs. 60 lakh.
If tax has been deducted on payment by way of any expense and is paid before the
due date of filing the return, such expenditure to be allowed for deduction. Interest
charged on tax deducted but not deposited by the specified date to be increased
from 12 per cent to 18 per cent per annum.
To facilitate the conversion of small companies into Limited Liability Partnerships,
transfer of assets as a result of such conversion not to be subject to capital gains
tax.
“The advancement of any other object of general public utility” to be considered as
“charitable purpose” even if it involves carrying on of any activity in the nature of
trade, commerce or business provided that the receipts from such activities do not
exceed Rs.10 lakh in the year .
Proposals on direct taxes estimated to result in a revenue loss of Rs. 26,000 crore
for the year.
Indirect Taxes
Rate reduction in Central Excise duties to be partially rolled back and the standard
rate on all non-petroleum products enhanced from 8 per cent to 10 per cent
ad valorem.
The specific rates of duty applicable to portland cement and cement clinker also
adjusted upwards proportionately. Similarly, the ad valorem component of excise
duty on large cars, multi-utility vehicles and sports-utility vehicles increased by 2
percentage points to 22 per cent.
Restore the basic duty of 5 per cent on crude petroleum; 7.5 per cent on diesel and
petrol and 10 per cent on other refined products. Central Excise duty on petrol and
diesel enhanced by Re.1 per litre each.
Some structural changes in the excise duty on cigarettes, cigars and cigarillos to be
made coupled with some increase in rates. Excise duty on all non-smoking tobacco
such as scented tobacco, snuff, chewing tobacco etc to be enhanced. Compounded
levy scheme for chewing tobacco and branded unmanufactured tobacco based on
the capacity of pouch packing machines to be introduced.
Agriculture & Related Sectors
Provide project import status with a concessional import duty of 5 per cent for the
setting up of mechanised handling systems and pallet racking systems in ‘mandis’
or warehouses for food grains and sugar as well as full exemption from service tax
for the installation and commissioning of such equipment.
Provide project import status at a concessional customs duty of 5 per cent with full
exemption from service tax to the initial setting up and expansion of
♦Cold storage, cold room including farm pre-coolers for preservation or storage
of agriculture and related sectors produce ; and
♦Processing units for such produce.
Provide full exemption from customs duty to refrigeration units required for the
manufacture of refrigerated vans or trucks.
Provide concessional customs duty of 5 per cent to specified agricultural machinery
not manufactured in India;
Provide central excise exemption to specified equipment for preservation, storage
and processing of agriculture and related sectors and exemption from service tax
to the storage and warehousing of their produce; and
Provide full exemption from excise duty to trailers and semi-trailers used in
agriculture.
Concessional import duty to specified machinery for use in the plantation sector to
be, extended up to March 31, 2011 along with a CVD exemption.
To exempt the testing and certification of agricultural seeds from service tax.
The transportation by road of cereals, and pulses to be exempted from service tax.
Transportation by rail to remain exempt.
To ease the cash flow position for small-scale manufacturers, they would be
permitted to take full credit of Central Excise duty paid on capital goods in a single
installment in the year of their receipt. Secondly, they would be permitted to pay
Central Excise duty on a quarterly, rather than monthly, basis.
Environment
To build the corpus of the National Clean Energy Fund, clean energy cess on coal
produced in India at a nominal rate of Rs.50 per tonne to be levied. This cess will
also apply on imported coal.
Provide a concessional customs duty of 5 per cent to machinery, instruments,
equipment and appliances etc. required for the initial setting up of photovoltaic
and solar thermal power generating units and also exempt them from Central Excise
duty. Ground source heat pumps used to tap geo-thermal energy to be exempted
from basic customs duty and special additional duty.
Exempt a few more specified inputs required for the manufacture of rotor blades
for wind energy generators from Central Excise duty.
Central Excise duty on LED lights reduced from 8 per cent to 4 per cent at par with
Compact Fluorescent Lamps.
To remedy the difficulty faced by manufacturers of electric cars and vehicles in
neutralising the duty paid on their inputs and components, a nominal duty of 4 per
cent on such vehicles imposed. Some critical parts or sub-assemblies of such
vehicles exempted from basic customs duty and special additional duty subject to
actual user condition. These parts would also enjoy a concessional CVD of 4 per
cent.
A concessional excise duty of 4 per cent provided to “soleckshaw”, a product
developed by CSIR to replace manually-operated rickshaws. Its key parts and
components to be exempted from customs duty.
Import of compostable polymer exempted from basic customs duty.
Infrastructure
Project import status to ‘Monorail projects for urban transport’ at a concessional
basic duty of 5 per cent granted.
To allow resale of specified machinery for road construction projects on payment
of import duty at depreciated value.
To encourage the domestic manufacture of mobile phones accessories, exemptions
from basic, CVD and special additional duties are now being extended to parts of
battery chargers and hands-free headphones. The validity of the exemption from
special additional duty is being extended till March 31, 2011.
Medical Sector
Uniform, concessional basic duty of 5 per cent, CVD of 4 per cent with full
exemption from special additional duty prescribed on all medical equipments. A
concessional basic duty of 5 per cent is being prescribed on parts and accessories
for the manufacture of such equipment while they would be exempt from CVD
and special additional duty.
Full exemption currently available to medical equipment and devices such as
assistive devices, rehabilitation aids etc. retained. The concession available to
Government hospitals or hospitals set up under a statute also retained.
Specified inputs for the manufacture of orthopaedic implants exempted from import
duty.
Infotainment
To address the difficulties experienced by film industry in importing digital masters
of films for duplication or distribution loaded on electronic medium vis-a-vis those
imported on cinematographic film, owing to a differential customs duty structure,
customs duty to be charged only on the value of the carrier medium. The same
dispensation would apply to music and gaming software imported for duplication.
In all such cases the value representing the transfer of intellectual property rights
would be subjected to service tax.
Provide project import status at a concessional customs duty of 5 per cent with full
exemption from special additional duty to the initial setting up “Digital Head End”
equipment by multi-service operators.
Precious Metals
Rates on precious metals indexed as follows:
♦On gold and platinum from Rs.200 per 10 grams to Rs.300 per 10 grams
♦On silver from Rs.1,000 per kg to Rs.1,500 per kg.
Basic customs on Rhodium – a precious metal used for polishing jewellery reduced
to 2 per cent.
Basic customs duty on gold ore and concentrates reduced from 2 per cent ad valorem
to a specific duty of Rs.140 per 10 grams of gold content with full exemption from
special additional duty. Further, the excise duty on refined gold made from such
ore or concentrate reduced from 8 per cent to a specific duty of Rs.280 per 10
grams.
Other Proposals
Full exemption from import duty available to specified inputs or raw materials
required for the manufacture of sports goods expanded to cover a few more items.
Basic customs duty on one of key components in production of micro-wave ovens,
namely magnetrons, reduced from 10 per cent to 5 per cent.
Value limit of Rs. 1 lakh per annum on duty-free import of commercial samples as
personal baggage enhanced to Rs. 3 lakh per annum.
Outright exemption from special additional duty provided to goods imported in a
pre-packaged form for retail sale. This would also cover mobile phones, watches
and ready-made garments even when they are not imported in pre-packaged form.
The refund-based exemption is also being retained for cases not covered by the
new dispensation.
Toy balloons fully exempted from Central Excise duty.
Reduction in basic customs duty on long pepper from 70 per cent to 30 per cent;
Reduction in basic customs duty on asafoetida from 30 per cent to 20 per cent;
Reduction in central excise duty on replaceable kits for household type water filters
other than those based on RO technology to 4 per cent;
Reduction in central excise duty on corrugated boxes and cartons from 8 per cent
to 4 per cent;
Reduction in central excise duty on latex rubber thread from 8 per cent to 4 per
cent; and
Reduction in excise duty on goods covered under the Medicinal and Toilet
Preparations Act from 16 per cent to 10 per cent.
Proposals relating to customs and central excise are estimated to result in a net
revenue gain of Rs. 43,500 crore for the year.
Service Tax
Rate of tax on services retained at 10 per cent to pave the way forward for GST.
Certain services, hitherto untaxed, to be brought within the purview of the service
tax levy. These to be notified separately.
Process of refund of accumulated credit to exporters of services, especially in the
area of Information Technology and Business Process Outsourcing, made easy by
making necessary changes in the definition of export of services and procedures.
Accredited news agencies which provide news feed online that meet certain criteria,
exempted from service tax.
Proposals relating to service tax are estimated to result in a net revenue gain of Rs
3,000 crore for the year.
Proposals on direct taxes estimated to result in a revenue loss of Rs. 26,000 crore
for the year. Proposals relating to Indirect Taxes estimated to result in a net revenue
gain of Rs.46,500 crore for the year. Taking into account the concessions being
given in the tax proposals and measures taken to mobilise additional resources, the
net revenue gain is estimated to be Rs. 20,500 crore for the year.



Source http://indiabudget.nic.in/

Budget 2010 Part-1


Key Features of Budget 2010-2011
CHALLENGES
To quickly revert to the high GDP growth path of 9 per cent and then find the
means to cross the ‘double digit growth barrier’.
To harness economic growth to consolidate the recent gains in making development
more inclusive.
To address the weaknesses in government systems, structures and institutions at
different levels of governance.
OVERVIEW OF THE ECONOMY
India among the first few countries in the world to implement a broad-based
counter-cyclic policy package to respond to the negative fallout of the global
slowdown.
The Advance Estimates for Gross Domestic Product (GDP) growth for 2009-10
pegged at 7.2 per cent. The final figure expected to be higher when the third and
fourth quarter GDP estimates for 2009-10 become available.
The growth rate in manufacturing sector in December 2009 was 18.5 per cent – the
highest in the past two decades.
A major concern during the second half of 2009-10 has been the emergence of
double digit food inflation. Government has set in motion steps, in consultation
with the State Chief Ministers, which should bring down the inflation in the next
few months and ensure that there is better management of food security in the
country.
CONSOLIDATING GROWTH
Fiscal Consolidation
With recovery taking root, there is a need to review public spending, mobilise
resources and gear them towards building the productivity of the economy.
Fiscal policy shaped with reference to the recommendations of the Thirteenth
Finance Commission, which has recommended a calibrated exit strategy from the
expansionary fiscal stance of last two years.
It would be for the first time that the Government would target an explicit reduction
in its domestic public debt-GDP ratio.
Tax reforms
On the Direct Tax Code (DTC) the wide-ranging discussions with stakeholders
have been concluded – Government will be in a position to implement the DTC
from April 1, 2011.
Centre actively engaged with the Empowered Committee of State Finance Ministers
to finalise the structure of Goods and Services Tax (GST) as well as the modalities
of its expeditious implementation. Endeavour to introduce GST by April, 2011
People’s ownership of PSUs
Ownership has been broad based in Oil India Limited, NHPC, NTPC and Rural
Electrification Corporation while the process is on for National Mineral
Development Corporation and Satluj Jal Vidyut Nigam. This will raise about
Rs 25,000 crore during the current year.
Higher amount proposed to be raised during the year 2010-11.
Fertiliser subsidy
A Nutrient Based Subsidy policy for the fertiliser sector has been approved by the
Government and will become effective from April 1, 2010.
This will lead to an increase in agricultural productivity and better returns for the
farmers, and overtime reduce the volatility in demand for fertiliser subsidy and
contain the subsidy bill.
Petroleum and Diesel pricing policy
Expert Group to advise the Government on a viable and sustainable system of
pricing of petroleum products has submitted its recommendations.
Decision on these recommendations will be taken in due course.
Improving Investment Environment
Foreign Direct Investment
Number of steps taken to simplify the FDI regime.
Methodology for calculation of indirect foreign investment in Indian companies
has been clearly defined.
Complete liberalisation of pricing and payment of technology transfer fee and
trademark, brand name and royalty payments.
Financial Stability and Development Council
An apex level Financial Stability and Development Council to be set up with a
view to strengthen and institutionalise the mechanism for maintaining financial
stability.
This Council would monitor macro-prudential supervision of the economy,
including the functioning of large financial conglomerates, and address interregulatory
coordination issues.
Banking Licences
RBI is considering giving some additional banking licenses to private sector players.
Non Banking Financial Companies could also be considered, if they meet the RBI’s
eligibility criteria.
Public Sector Bank Capitalisation
Rs.16,500 crore provided to ensure that the Public Sector Banks are able to attain
a minimum 8 per cent Tier-I capital by March 31, 2011.
Recapitalisation of Regional Rural Banks (RRB)
Government to provide further capital to strengthen the RRBs so that they have
adequate capital base to support increased lending to the rural economy.
Corporate Governance
Government has introduced the Companies Bill, 2009 in the Parliament to replace
the existing Companies Act, 1956, which will address issues related to regulation
in corporate sector in the context of the changing business environment.
Exports
Extension of existing interest subvention of 2 per cent for one more year for exports
covering handicrafts, carpets, handlooms and small and medium enterprises.
Agriculture Growth
Government will follow a four-pronged strategy, covering
(a) Agricultural production
Rs. 400 crore provided to extend the green revolution to the eastern region of the
country comprising Bihar, Chattisgarh, Jharkhand, Eastern UP, West Bengal and
Orissa.
Rs. 300 crore provided to organise 60,000 “pulses and oil seed villages” in rain-fed
areas during 2010-11 and provide an integrated intervention for water harvesting,
watershed management and soil health, to enhance the productivity of the dry land
farming areas.
Rs. 200 crore provided for sustaining the gains already made in the green revolution
areas through conservation farming, which involves concurrent attention to soil
health, water conservation and preservation of biodiversity.
(b) Reduction in wastage of produce
Government to address the issue of opening up of retail trade. It will help in bringing
down the considerable difference between farm gate, wholesale and retail prices.
Deficit in the storage capacity met through an ongoing scheme for private sector
participation – FCI to hire godowns from private parties for a guaranteed period of
7 years.
(c) Credit support to farmers
Banks have been consistently meeting the targets set for agriculture credit flow in
the past few years. For the year 2010-11, the target has been set at Rs.3,75,000
crore.

In view of the recent drought in some States and the severe floods in some other
parts of the country, the period for repayment of the loan amount by farmers extended
by six months from December 31, 2009 to June 30, 2010 under the Debt Waiver
and Debt Relief Scheme for Farmers.
Incentive of additional one per cent interest subvention to farmers who repay
short-term crop loans as per schedule, increased to 2% for 2010-11.
(d) Impetus to the food processing sector
In addition to the ten mega food park projects already being set up, the Government
has decided to set up five more such parks.
External Commercial Borrowings to be available for cold storage or cold room
facility, including for farm level pre-cooling, for preservation or storage of
agricultural and allied produce, marine products and meat.
Infrastructure
Rs 1,73,552 crore provided for infrastructure development which accounts for over
46 per cent of the total plan allocation.
Allocation for road transport increased by over 13 per cent from Rs. 17,520 crore
to Rs 19,894 crore.
Rs 16,752 crore provided for Railways, which is about Rs.950 crore more than last
year.
India Infrastructure Finance Company Limited (IIFCL)
IIFCL’s disbursements are expected to touch Rs 9,000 crore by end March 2010
and reach around Rs 20,000 crore by March 2011.
IIFCL has refinanced bank lending to infrastructure projects of Rs. 3,000 crore during
the current year and is expected to more than double that amount in 2010-11.
The take-out financing scheme announced in the last Budget is expected to initially
provide finance for about Rs. 25,000 crore in the next three years.
Energy
Plan allocation for power sector excluding RGGVY doubled from Rs.2230 crore
in 2009-10 to Rs.5,130 crore in 2010-11.
Government proposes to introduce a competitive bidding process for allocating
coal blocks for captive mining to ensure greater transparency and increased
participation in production from these blocks.
A “Coal Regulatory Authority” to create a level playing field in the coal sector
proposed to be set up.
Plan outlay for the Ministry of New and Renewable Energy increased by 61 per
cent from Rs.620 crore in 2009-10 to Rs.1,000 crore in 2010-11.
Solar, small hydro and micro power projects at a cost of about Rs.500 crore to be
set up in Ladakh region of Jammu and Kashmir.

Environment and Climate change
National Clean Energy Fund for funding research and innovative projects in clean
energy technologies to be established.
One-time grant of Rs.200 crore to the Government of Tamil Nadu towards the cost of
installation of a zero liquid discharge system at Tirupur to sustain knitwear industry.
Rs.200 crore provided as a Special Golden Jubilee package for Goa to preserve the
natural resources of the State, including sea beaches and forest cover.
Allocation for National Ganga River Basin Authority (NGRBA) doubled in
2010-11 to Rs.500 crore.
Schemes on bank protection works along river Bhagirathi and river Ganga-Padma
in parts of Murshidabad and Nadia district of West Bengal included in the Centrally
Sponsored Flood Management Programme.
A project at Sagar Island to be developed to provide an alternate port facility in
West Bengal.
INCLUSIVE DEVELOPMENT
The spending on social sector has been gradually increased to Rs.1,37,674 crore in
2010-11, which is 37% of the total plan outlay in 2010-11.
Another 25 per cent of the plan allocations are devoted to the development of rural
infrastructure.
Education
Plan allocation for school education increased by 16 per cent from Rs.26,800 crore
in 2009-10 to Rs.31,036 crore in 2010-11.
In addition, States will have access to Rs.3,675 crore for elementary education
under the Thirteenth Finance Commission grants for 2010-11.
Health
An Annual Health Survey to prepare the District Health Profile of all Districts
shall be conducted in 2010-11.
Plan allocation to Ministry of Health & Family Welfare increased from Rs 19,534
crore in 2009-10 to Rs 22,300 crore for 2010-11.
Financial Inclusion
Appropriate Banking facilities to be provided to habitations having population in
excess of 2000 by March, 2012.
Insurance and other services to be provided using the Business Correspondent model.
By this arrangement, it is proposed to cover 60,000 habitations.
Augmentation of Rs.100 crore each for the Financial Inclusion Fund (FIF) and the
Financial Inclusion Technology Fund, which shall be contributed by Government
of India, RBI and NABARD.
Rural Development
Rs. 66,100 crore provided for Rural Development.
Allocation for Mahatma Gandhi National Rural Employment Guarantee Scheme
stepped up to Rs.40,100 crore in 2010-11.
An amount of Rs.48,000 crore allocated for rural infrastructure programmes under
Bharat Nirman.
Unit cost under Indira Awas Yojana increased to Rs.45,000 in the plain areas and
to Rs.48,500 in the hilly areas. Allocation for this scheme increased to Rs.10,000
crore.
Allocation to Backward Region Grant Fund enhanced by 26 per cent from Rs.5,800
crore in 2009-10 to Rs 7,300 crore in 2010-11.
Additional central assistance of Rs 1,200 crore provided for drought mitigation in
the Bundelkhand region.
Urban Development and Housing
Allocation for urban development increased by more than 75 per cent from Rs.3,060
crore to Rs.5,400 crore in 2010-11.
Allocation for Housing and Urban Poverty Alleviation raised from Rs.850 crore to
Rs.1,000 crore in 2010-11.
Scheme of one per cent interest subvention on housing loan upto Rs.10 lakh, where
the cost of the house does not exceed Rs.20 lakh — announced in the last
Budget — extended up to March 31, 2011. Rs.700 crore provided for this scheme
for the year 2010-11.
Rs.1,270 crore allocated for Rajiv Awas Yojana as compared to Rs.150 crore last
year.
Micro, Small & Medium Enterprises
High Level Council on Micro and Small Enterprises to monitor the implementation
of the recommendations of High-Level Task Force constituted by Prime Minister.
Allocation for this sector to be increased from Rs.1,794 crore to Rs.2,400 crore for
the year 2010-11.
The corpus for Micro-Finance Development and Equity Fund doubled to Rs.400
crore in 2010-11.
Unorganised Sector
National Social Security Fund for unorganised sector workers
National Social Security Fund for unorganised sector workers to be set up with an
initial allocation of Rs.1000 crore. This fund will support schemes for weavers,
toddy tappers, rickshaw pullers, bidi workers etc.
Rashtriya Swasthya Bima Yojana benefits extended to all such Mahatma Gandhi
NREGA beneficiaries who have worked for more than 15 days during the preceding
financial year.
A new initiative, “Swavalamban” will be available for persons who join New
Pension Scheme (NPS), with a minimum contribution of Rs.1,000 and a maximum
contribution of Rs.12,000 per annum during the financial year 2010-11, wherein
Government will contribute Rs.1,000 per year to each NPS account opened in the
year 2010-11. Allocation of Rs.100 crore made for this initiative.
Skill development
National Skill Development Corporation has approved three projects worth about
Rs 45 crore to create 10 lakh skilled manpower at the rate of one lakh per annum.
An extensive skill development programme in the textile and garment sector to be
launched by leveraging the strength of existing institutions and instruments of the
Textile Ministry to train 30 lakh persons over 5 years.
Social Welfare
Plan outlay for Women and Child Development stepped up by almost 50 per cent.
The ICDS platform being expanded for effective implementation of the Rajiv Gandhi
Scheme for Adolescent Girls.
“Saakshar Bharat” to further improve female literacy rate launched with a target
of 7 crore non-literate adults which includes 6 crore women.
Mahila Kisan Sashaktikaran Pariyojana to meet the specific needs of women
farmers to be launched with a provision of Rs 100 crore as a sub-component of the
National Rural Livelihood Mission.
Plan outlay of the Ministry of Social Justice and Empowerment enhanced by 80
per cent to Rs.4500 crore. With this enhancement, the Ministry will be able to
revise rates of scholarship under its post-matric scholarship schemes for SCs and
OBC students.
Plan allocation for the Ministry of Minority Affairs increased by 50 per cent from
Rs.1,740 crore to Rs.2,600 crore for the year 2010-11.
STRENGTHENING TRANSPARENCY & PUBLIC ACCOUNTABILTY
Financial Sector Legislative Reforms Commission to be set up to rewrite and clean
up the financial sector laws to bring them in line with the requirements of the
sector.
Rs 1,900 crore allocated to the Unique Identification Authority of India (UIDAI)
for 2010-11. UIDAI will be able to meet its commitments of issuing the first set of
UID numbers in the coming year
A Technology Advisory Group for Unique Projects (TAGUP) to be set up to look
into various technological and systemic issues for effective tax administration and
financial governance.
Independent Evaluation Office (IEO) chaired by the Deputy Chairman, Planning
Commission to be set up to evaluate the impact of flagship programmes.
Security and Justice
Allocation for Defence increased to Rs. 1,47,344 crore including Rs 60,000 crore
for capital expenditure.
About 2,000 youth to be recruited as constables in five Central Para Military Forces
from Jammu and Kashmir in the year 2010.
Planning Commission to prepare an integrated action plan for the thirty-three left
wing extremism affected districts. Adequate funds will be made available to support
the action plan.
Government has approved the setting up of the National Mission for Delivery of
Justice and Legal Reforms to help reduce legal backlog in courts from an average
of 15 years at present to 3 years by 2012.
BUDGET ESTIMATES 2010-11
The Gross Tax Receipts are estimated at Rs. 7,46,651 crore
The Non Tax Revenue Receipts are estimated at Rs. 1,48,118 crore.
The net tax revenue to the Centre as well as the expenditure provisions in 2010-11
have been estimated with reference to the recommendations of the Thirteenth
Finance Commission.
The total expenditure proposed in the Budget Estimates is Rs. 11,08,749 crore,
which is an increase of 8.6 per cent over last year.
The Plan and Non Plan expenditures in BE 2010-11 are estimated at Rs. 3,73,092
crore and Rs. 7,35,657 crore respectively. While there is 15 per cent increase in
Plan expenditure, the increase in Non Plan expenditure is only 6 per cent over the
BE of previous year.
Fiscal deficit for BE 2010-11 at 5.5 per cent of GDP, which works out to Rs.3,81,408
crore.
Taking into account the various other financing items for fiscal deficit, the actual
net market borrowing of the Government in 2010-11 would be of the order of
Rs.3,45,010 crore. This would leave enough space to meet the credit needs of the
private sector.
The rolling targets for fiscal deficit are pegged at 4.8 per cent and 4.1 per cent for
2011-12 and 2012-13, respectively.
Against a fiscal deficit of 7.8 per cent in 2008-09, inclusive of oil and fertilizer
bonds, the comparable fiscal deficit is 6.9 per cent as per the Revised Estimates for
2009-10.
Conscious effort made to avoid issuing bonds to oil and fertilizer companies.
Government would like to continue with this practice of extending Government
subsidy in cash, thereby bringing all subsidy related liabilities into Government’s
fiscal accounting.



Source: http://indiabudget.nic.in/

Friday, February 19, 2010

Thursday, February 18, 2010

SBI - Clerk Reasoning Exam 2009

1. If it is possible to make only one meaningful word with the Third, Seventh, Eighth and Tenth letters of the word COMPATIBILITY, which of the following would be the last letter of that word ? If no such word can be made, give ‘X’ as your answer and if more than one such word can be formed, give your answer as ‘Y’.
(A) I
(B) B
(C) L
(D) X
(E) Y
Ans : (B)

2. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ?
(A) Stem
(B) Tree
(C) Root
(D) Branch
(E) Leaf
Ans : (B)

3. How many meaningful three letter English words can be formed with the letters AER, using each letter only once in each word ?
(A) None
(B) One
(C) Two
(D) Three
(E) Four
Ans : (D)

4. In a certain code FINE is written HGPC.
How is SLIT written in that code ?
(A) UTGR
(B) UTKR
(C) TUGR
(D) RUGT
(E) None of these
Ans : (E)

5. If ‘Apple’ is called ‘Orange’, ‘Orange’ is called ‘Peach’, ‘Peach’ is called ‘Potato’, ‘Potato’ is called ‘Banana’, ‘Banana’ is called ‘Papaya’ and ‘Papaya’ is called ‘Guava’, which of the following grows underground ?
(A) Potato
(B) Guava
(C) Apple
(D) Banana
(E) None of these
Ans : (D)

SBI-Marketing Aptitude/Computer Knowledge

1. A keyboard is this kind of device—
(A) black
(B) input
(C) output
(D) word Processing
(E) None of these
Ans : (B)

2. IT stands for—
(A) information Technology
(B) integrated Technology
(C) intelligent Technology
(D) interesting Technology
(E) None of these
Ans : (A)

3. Which of the following refers to the fastest, biggest and most expensive computers ?
(A) Personal Computers
(B) Supercomputers
(C) Laptops
(D) Notebooks
(E) None of these
Ans : (B)

4. A collection of related information sorted and dealt with as a unit is a—
(A) disk
(B) data
(C) file
(D) floppy
(E) None of these
Ans : (C)

5. The process of a computer receiving information from a server on the Internet is known as—
(A) pulling
(B) pushing
(C) downloading
(D) transferring
(E) None of these
Ans : (C)

Wednesday, February 17, 2010

SBI - Clerk Recruitment Exam 2009 Quantitative Aptitude

Directions—(Q. 1–6) What should come in place of the question mark (?) in the following questions ?

1. 196 × 948 ÷ 158 = ?
(A) 1156
(B) 1200
(C) 1188
(D) 1176
(E) None of these
Ans : (D)

2. (786 × 64) ÷ 48 = ?
(A) 1050
(B) 1024
(C) 1048
(D) 1036
(E) None of these
Ans : (C)

3. 3•5 + 11•25 × 4•5 – 32•5 = ?
(A) 18•275
(B) 21•625
(C) 32•375
(D) 25•45
(E) None of these
Ans : (B)

4. (2640 ÷ 48) × (2240 ÷ 35) = ?
(A) 3520
(B) 3515
(C) 3495
(D) 3490
(E) None of these
Ans : (A)

5. 7414 + 3698 + 1257 + 1869 = ?
(A) 14328
(B) 14438
(C) 13428
(D) 13248
(E) None of these
Ans : (E)


SBI - Clerk Recruitment Exam., 2009-General Awareness

1. Which of the following States will soon have its first Civil Airports ?
(A) Jammu & Kashmir
(B) Maharashtra
(C) Assam
(D) Meghalaya
(E) Sikkim
Ans : (E)

2. Who amongst the following made the 41st Test Century of his career recently ?
(A) Saurav Ganguly
(B) V. V. S. Laxman
(C) Rahul Dravid
(D) Sachin Tendulkar
(E) None of these
Ans : (D)

3. Which of the following was/were the objective(s) of the Mission Chandrayaan 1 ?
(a) Preparing dimensional atlas of the lunar surface.
(b) Chemical Mapping of the entire lunar surface.
(c) Locating minerals in the soil of the moon.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (D)

4. Which of the following States introduced a high tech foodgrain rationing system to ensure timely supply of the foodgrains to people living below poverty line ?
(A) Maharashtra
(B) Tamil Nadu
(C) Delhi
(D) West Bengal
(E) Karnataka
Ans : (E)

5. Which of the following is NOT a part of India’s Money Market ?
(A) Bill Markets
(B) Call Money Market
(C) Banks
(D) Mutual Funds
(E) Indian Gold Council
Ans : (E)

6. Which of the following is the objective of the project ‘Bhoomi Keralam’ launched by the State Govt. ?
(A) To conduct a survey of the land
(B) To bring those people back who have left the State and settled in other States
(C) To provide financial security to farmers who are in distress
(D) To identify those tribals who need jobs or financial assistance
(E) None of these
Ans : (A)

7. Which of the following countries adopted its new constitution recently ?
(A) Russia
(B) Equadore
(C) South Korea
(D) North Korea
(E) None of these
Ans : (B)



8. Which of the following awards was given to Pt. Bhimsen Joshi recently (2008) ?
(A) Padma Bhushan
(B) Sangit Natak Academy Award
(C) Maharashtra Bhushan
(D) Karnataka Ratna
(E) Bharat Ratna
Ans : (E)

9. Which of the following States got its first Rail link recently ?
(A) Haryana
(B) Arunachal Pradesh
(C) Sikkim
(D) Manipur
(E) Jammu & Kashmir
Ans : (E)

10. Barack Hussain Obama belongs to which of the following political parties ?
(A) Republican
(B) Democratic
(C) Labour
(D) American National Congress
(E) None of these
Ans : (B)

11. Which of the following is/are NOT the features of India’s Foreign Trade policy (2004 to 2009)?
(a) To double India’s percentage share of global trade from present 0•7 per cent to 1•5 per cent by 2009.
(b) Simplifying the procedures and bringing down the cost.
(c) Make SAARC countries India’s most preferred foreign trade partners by 2009.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) Only (a) & (c)
Ans : (C)

12. Stephen Harper whose name was in news recently is the ……….
(A) President of Canada
(B) Prime Minister of Canada
(C) President of Italy
(D) Prime Minister of Switzerland
(E) Foreign Minister of U.S.A.
Ans : (B)

13. Which of the following is NOT a fertilizer product ?
(A) Urea
(B) Murate of Potash
(C) Di Amonium Phosphate
(D) Calcium Carbonate
(E) All are fertilizers
Ans : (E)

14. A Rs. 35,000 crore JSW Steel Plant project was inaugurated in West Bengal recently. The project is setup / developed in ……….
(A) Singur
(B) Nandigram
(C) Salboni
(D) Malda
(E) Joynagar
Ans : (C)

15. Which of the following State Govts. Has announced that it will provide a special package of incentives to Employment Intensive Industries ?
(A) Punjab
(B) Karnataka
(C) Tamil Nadu
(D) Uttar Pradesh
(E) Bihar
Ans : (C)

16. Which of the following nations has decided to increase its co-operation in the field of energy with India ?
(A) Russia
(B) China
(C) Bangladesh
(D) Nepal
(E) Japan
Ans : (A)

17. Which of the following services is NOT provided by the post offices in India ?
(A) Savings Bank Scheme
(B) Retailing of Mutual Funds
(C) Sale of stamp Papers (Judicial)
(D) Issuance of Demand Drafts
(E) Life Insurance cover
Ans : (D)



18. Mohammed Anni Nasheed is the newly elected President of ……….
(A) Fiji
(B) Maldives
(C) Iraq
(D) Iran
(E) None of these
Ans : (B)

19. Who amongst the following is the winner of the Nobel Prize for Literature 2008 ?
(A) Jean Marie Gustave Le Clezio
(B) Martti Ahtisaari
(C) Yoichiro Nambu
(D) Francoise Barre Sinoussi
(E) None of these
Ans : (A)

20. A national level commission of India has asked about twenty States to set up which of the following commissions in their States as early as possible ?
(A) Farmers Commission
(B) Women Commission
(C) Child Welfare Commission
(D) Law Commission
(E) None of these
Ans : (D)

21. Which of the following is/are the measure(s) taken by the Reserve Bank of India (RBI) to ease the liquidity crunch in the country ?
(a) Cut in Cash Reserve Ratio and Statutory Liquidity Ratio.
(b) Increase the flow of foreign direct investment.
(c) Supply of additional currency notes in the market.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (A)

22. The third India Brazil and South Africa (IBSA) Summit took place in which of the following dies recently ?
(A) Brazilia
(B) New Delhi
(C) Suncity
(D) Salvador
(E) Durban
Ans : (B)

23. Which of the following States has dcided to set up Arsenic Removal Plants in all the districts of the State to enable itself to provide arsenic free drinking water to all the people by 2010-11 ?
(A) Karnataka
(B) Kerala
(C) West Bengal
(D) Orissa
(E) Maharashtra
Ans : (C)

24. Who amongst the following is the author of the book ‘The Exile’ ?
(A) B. G. Verghese
(B) Philip Roth
(C) Aravind Adiga
(D) Navtej Saran
(E) None of these
Ans : (D)

25. Which of the following programmes is being implemented in all the districts of the country ?
(A) Sarva Shiksha Abhiyan
(B) Navodaya Vidhyalay
(C) Ultra Mega Power Project
(D) Rajiv Gandhi Grameen Vidyuthikara Yojana
(E) None of these
Ans : (A)

26. The Govt. of India decided to provide a bonus price of Rs. 50 per quintal on which of the following products over and above its minimum support price of Rs. 850 per quintal ?
(A) Wheat
(B) Paddy
(C) Sugarcane
(D) Cotton
(E) None of these
Ans : (B)

27. Who amongst the following is the author of the book ‘The Namesake’ ?
(A) Vikram Seth
(B) V. S. Naipaul
(C) Arun Bhagat
(D) Anita Desai
(E) Jhumpa Lahiri
Ans : (E)


28. Besides USA India has signed Nuclear Agreement with which of the following countries and is named as ‘Co-operation Agreement for Peaceful uses of Nuclear Energy’ ?
(A) Italy
(B) Germany
(C) France
(D) Canada
(E) Australia
Ans : (C)

29. Tzipi Livini whose name was in news recently is from which of the following countries ?
(A) Singapore
(B) South Korea
(C) Austria
(D) Israel
(E) None of these
Ans : (D)

30. World Ozone day is observed on ……….
(A) 16th September
(B) 16th October
(C) 16th November
(D) 26th September
(E) 26th October
Ans : (A)

31. Which of the following is NOT a Govt. Sponsored organization ?
(A) Small Industries Development Bank of India
(B) NABARD
(C) National Housing Bank
(D) ICICI Bank
(E) All are Govt. sponsored
Ans : (D)

32. ‘Merdeka Cup’ is associated with the game of ……….
(A) Badminton
(B) Football
(C) Hockey
(D) Golf
(E) Tennis
Ans : (B)

33. India’s Space Rocket Launching Centre is in ……….
(A) Portblair
(B) Hassan
(C) Tirupati
(D) Kochi
(E) Sri Harikota
Ans : (E)

34. The National Games scheduled in 2011 will be organized in ……….
(A) Bengaluru
(B) Goa
(C) Kolkata
(D) Kochi
(E) Jaipur
Ans : (B)

35. Which of the followiing diseases is not covered under Integrated Disease Surveillance project ?
(A) Cholera
(B) Tuberculosis
(C) AIDS
(D) Polio
(E) Cancer
Ans : (E)


36. Which of the following is TRUE about ‘Antyodaya Anna Yojana’ ?
(a) Scheme is for Below Poverty Line families.
(b) People are provided cooked meals under the scheme.
(c) All beneficiaries of National Rural Employment Guarantee Act are covered in this scheme.
(A) Only (a)
(B) Only (b)
(C) Only (c)
(D) All (a), (b) & (c)
(E) None of these
Ans : (E)

37. Jelena Jankovic of Serbia won which of the following titles of tennis after defeating Svetlana Kuznetsova ?
(A) China Open
(B) Japan Open
(C) New Zealand Open
(D) Australian Open
(E) None of these
Ans : (A)

38. Who amongst the following is the Minister of Home Affairs in Union Cabinet of India at present ?
(A) Shivraj Patil
(B) Lalu Prasad Yadav
(C) P. Chidambaram
(D) Sharad Pawar
(E) None of these
Ans : (C)

39. Banks are required to pay how much percentage of their net bank credit to Priority Sector is advance ?
(A) 5%
(B) 7%
(C) 10%
(D) 15%
(E) None of these
Ans : (C)

40. Dronacharya Award is given for excellence in ……….
(A) Literacy Work
(B) Social Service
(C) Coaching in Sports
(D) Journalism
(E) None of these
Ans : (C)

Tuesday, February 16, 2010

Last Months current Affairs



1. Economic outlook
Economic outlook for 2009-10 submitted by the PM’s Economic Advisory Concil (PMEAC).
Highlights::
1. Indian economy comes out from global crisis.
2. GDP growth 6.5%.
3. 7% GDP growth expected for 2009-10.
4. Inflation rate remain 6%.
5. Fiscal Deficit expected to be 10.1% of GDP


2. GDP GROWTH
Grew by 6.1% during Q1 of 2009-10.
This is the heighest GDP growth whichever indian economy obtained.
India obtained the second fastest growing economy among major countries after China (7.9%).
GDP
2008-09- Q1- 7.8%
2009-10- Q1- 6.1%
2009-10- Q2- 7.9%
=>The major increment in GDP in mining and Quarring 7.9%.
Growth Rate
Actual Estimated
2008-09- 6.7% -----
2009-10- 6.5% 6.3%
2010-11 ------- 8%
2011-12 ------- 9%

3. Rashtriya Krishi Vikas Yojna
To support agriculture growth to level 4%, government has allocated 30% more fund to the agriculture ministry’s “Flagship Scheme”.

4. New Direct Tax code Proposed
Highlights
1. Tax deduction limit on saving to be raised to 3L.
2. Rate of Tax to be uniform.
3. Securities transction tax to be abolished.
4. No tax deduction on interest payable on any govt. Securities.
5. Base year for calculation of cap gains tax moved to April-2000.

5. Gift Exceeding Rs. 50,000 Brought under Tax Payment
If the recipient of gift with value exceeding Rs. 50,000 has to pay tax of 30% of the value of the gift.


6. MSP(Minimum Support price) for 2009-10 Kharif crops
=>union government announced MSP for paddy and pulses. Price raised for paddy and pulses by 100 and upto 240/quintal.
Paddy- 950 - 980(A Grade)

7. MSP for Rabi Crop
Wheat- 1080(2008-09) - 1100(2009-10)
Mustard 1830 (“) - 1830(“)
Sunflower 1650 (“) - 1680(“)

8. Maharatna Status after Navratna Proposed
=>Initially Navratna status awarded to 7 PSE, but at present it ahs gone to 18.
Now the government come one more step forward to initiate ‘Maharatna’ status: to be given those Navratna compnies which show better performance.
Presently maharatna status given to 6 PSE
=>ONGC, IOC, BHEL, BSNL, NTPC, SAIL
=>These compnies have the antonomy to invest upto 1000 crore without prior permission to govt but limit has raised to 5000 crore.

9. World bank to fund India’s Secondary Education Programme
=> Indian covernment has recently launched “Rashtriya Madhyamik Shiksha Abhiyan (RMSA) to improve the quality of secondary education. World bank is supposed to provide soft loan for the Scheme.

10. New BPL Criteria Recommended:
=> Currently BPL families are identified on the basis of score (0-4) on 13 Socio-Economic parameter. This methodology had a maximum score 52 (4 point to each 13 parameter). The new recommended method will have a maximum score of 10 marks only.

11. Monetary Measures
1. Bank rate, repo rate, reverse repo rate and CRR (Cash reserve ratio) unchanged at 6%, 4.75%, 3.25%, and 5% respectively.
2. SLR raised to 25% from 24% by 100 basis point.

12. RBI buys 200 tones gold from IMF
=> Top gold holders are:
1. USA 8133.5 tonne
2. France 2445.1 tonne
3. Germany 3408.5 tonn.
4. Itly 2451.8 tonn.
5. India 557.7 tonn

13. New base year for new WPI
Presently wholesale price index with base year 1993-94 is being used for measuring inflation. The new WPI with base year 2004-05 has been planned.

14. ICEX Becomes fourth commodity Exchange
=> Indian commodity Exchange (ICEX) is fourth commodity exchange in india which is sponsored by India Bulls and MMTC.
=> Other three commodity Exchange are:-
1. MCEX- Multi Comm. Exchange
2. NCDEX- National comm. & Derivative Exchange
3. NMCEX- National multi comm. Exchange

15. India to Generate 14,500 MW Renewable Energy by 2012
=> According to IREDA (India renewable Energy Development Agency) spend over 1,00,000 crore to setting up this plant.
=> In similar development govt. Is also taking steps to setup 20,000 MW solar power generation capicity under the national solar mission by 2020.

16. India’s free Trade Agreement with ASEAN
17. World bank approves $4.3 billion loan to india
=> Approved loan to four projects of india
1. Infrastructure investment
2. Enable PSU banks to expand credit
3. Strengthen power transmission

18. HDI (Humuan development Index) Report
=> India’s ranking 134th out of 182
1st- Norway
2nd – Australia
3rd- Iceland

Monday, February 15, 2010

Jan Current Affairs

Economic Scenario
1. GDP Grew 7.9% in July-Sept 2009
GDP acheived 7.9% in 2nd quarter of financial year of 2009 more than GDP acheived in 1st quarterr of financial year of 2009 which is 6.1%.
Significant growth in mining and quarring at 9.5%.
1) Agriculture forestry & fishing-0.9%
2) Manufacturing-9.2%
3) Trade, Hotels, Transport & comm.-8.5%
4) Community and personal services-12.7%


2. Finance ministry’s mid term review predicts growth to exceed 7.75% in 2009-10.

3. 13th Finance Commission
The 13th finance commission under the chairmainship of Mr. Vijay Kelkar submitted his report.
4. Food inflation soars to 20%
Whole sale food prices touched a 10 year high with food inflation reached 19.95%.
“Inflation rate is measured by the wholesale price index(WPI), surged to 4.78% for the month Nov-2009.”
WPI
1.Manufactured Products- +3.99%
2. Primary Articles- +11.84%
3. Fuel, Power, Light, Lubricants -0.89%
4. All Commodities +4.78%

5. Direct Tax
Direct tax collection for April-Nov period of the year has Registered 3.7% growth at Rs. 1,83,822 crore up from 1.77 lakh from last 8 month of last year.



6. Indirect Tax
21% declines in 8 months which is only 46.1% of the target fix by government.
1. Excise Tax- 17.4%
2. Custom Tax- 31%
3. Service Tax- 6.6%
7. Best CEO: Harward Review:-
1. Steve Jobs: APPLE
2. Yun Jong-Yong SAMSUNG
3. Alexey Miller GAZPROM
4. John Chamber CISCO
5. Mukesh Ambani RIL
8. RBI provide bank relief:
RBI has provided Relief to a no. Of Scheduled Commercial Banks by allowing them to include technical write offs while increasing the provisional Coverage ration (PCR) to 70%.
9. FII registers 70% fall
10. NTPC identifies two coal mines in “Indonesia.”
11. $700 Mn ADB loan
Asian Development bank has signed an agreement with indian Govt. For granting loan for country’s Infrastructure projects.
The loan wll be released in three tranches over a period of three years. The first tranche will be $210 million.
12. RIL Defeats ONGC
RIL has become the largest natural gas producer in the country.

Allahabad Bank Probationary Officers Exam, 2008

1. Programs from the same developer , sold bundled together , that provide better integration and share common features , toolbars and menus are known as ....
(A) software suites
(B) integrated software packages
(C) software processing packages
(D) personal information managers
(E) none of these
Ans : (A)

2. A data warehouse is which of the following ?
(A) Can be updated by the end users
(B) Contains numerous naming conventions and formats
(C) Organized around important subject areas
(D) Contains only current data
(E) None of these
Ans : (C)

3. ______________ servers store and manages files for network users.
(A) Authentication
(B) Main
(C) Web
(D) File
(E) None of these
Ans : (D)

4. All of the following are examples of real security and privacy risks Except _____
(A) hackers
(B) spam
(C) viruses
(D) identify theft
(E) None of these
Ans : (B)

5. ___________ terminals (formerly known as cash registers) are often connected to complex inventory and sales computer systems .
(A) Data
(B) Sales
(C) Query
(D) (Point-of-sale (POS)
(E) None of these
Ans : (B)

6. The OSI model is divided into _______ processes called layers.
(A) five
(B) six
(C) seven
(D) eight
(E) None of these
Ans : (C)

7. System software is the set of programs that enables your computer's hardware devices and ______ software to work together.
(A) management
(B) processing
(C) utility
(D) application
(E) None of these
Ans : (D)

8. ________ are specially designed computer chips reside inside other devices, such as your car or your electronic thermostat.
(A) Servers
(B) Embedded computers
(C) Robotic computers
(D) Mainframes
(E) None of these
Ans : (B)

9. The following are all computing devices , except.........
(A) notebook computers
(B) cellular telephones
(C) digital scanners
(D) personal digital assistants
(E) None of these
Ans : (C)

10. in a ring topology , the the computer in possession of the ______ can trasmit data
(A) packet
(B) data
(C) access method
(D) token
(E) None of these
Ans : (D)

11. This part of operating system manages the essential peripherals, such as the keyboard, screen , disk drives, and parallel and serial ports ____
(A) basic input/output system
(B) secondary input/output system
(C) peripheral input/output system
(D) marginal input/output system
(E) None of these
Ans : (A)

12. ________ Viruses are often transmitted by a floppy disk left in the floppy drive
(A) Trojan horse
(B) Boot sector
(C) Script
(D) Logic bomb
(E) None of these
Ans : (B)

13. ________ controls the way in which the computer system functions and provides a meAns : by which users can interact with the computer
(A) The platform
(B) Application software
(C) Operating system
(D) The motherboard
(E) None of these
Ans : (C)

14. Servers are computers that provide resources to other computers connected to a ___________
(A) mainframe
(B) network
(C) supercomputer
(D) client
(E) None of these
Ans : (B)

15. A goal of data mining includes which of the following?
(A) To explain some observed event or condition
(B) To confirm that data exists
(C) To analyze data for expected relationships
(D) To create a new data warehouse
(E) None of these
Ans : (A)

16. URL stands for ........
(A) Universal Research List
(B) Universal Resource List
(C) Uniform Resource Locator
(D) Uniform Research Locator
(E) None of these
Ans : (C)

17. A database management system (DBMS) is a ............
(A) hardware system used to create , maintain and provide controlled access to a database
(B) hardware system used to create, maintain, and provide uncontrolled access to a database.
(C) software system used to create, maintain, and provide uncontrolled access to a database.
(D) software system used to create, maintain, and provide controlled access to a database.
(E) None of these
Ans : (D)

18. Which of the following is NOT a goal of transaction processing system ?
(A) Capture , process and store transactions
(B) Produce a variety of documents related to routine business activities
(C) Reduce manual effort associated with processing business transactions
(D) Produce standard reports used for management decision making
(E) None of these
Ans : ()

19. A Proxy server is used for which of the following?
(A) To provide security against unauthorized users
(B) To process client requests for web pages
(C) To process client requests for database access
(D) To provide TCP/IP
(E) None of these
Ans : (B)

20. When data changes in multiple lists and all lists are not updated, this causes:
(A) data redundancy
(B) information overload
(C) duplicate data
(D) data inconsistency
(E) None of these
Ans : (D)


21. _____________ are words that a programming language has set aside for its own use.
(A) Control worlds
(B) Reserved words
(C) Control structures
(D) Reserved keys
(E) None of these
Ans : (B)

22. What is the primary difference between a virus and a worm?
(A) A worm has the ability to self-propagate from an infected user's computer to other computers
(B) A worm is usually written by a cracker: Script bunnies do not have the skills to develop a worm program
(C) A virus is very harmful to the computers it infects : a worm is not a serious a problem
(D) Anti-virus software is effective in fighting viruses but not worms
(E) None of these
Ans : ()

23. ______ describe what is database fields.
(A) Structures
(B) Field markers
(C) Field definition
(D) Field names
(E) None of these
Ans : (D)

24. You must install a (n) ____________ on a network if you want to share a broadband Internet connection.
(A) router
(B) modem
(C) node
(D) cable
(E) None of these
Ans : (A)

25. A goal of normalization is to __________
(A) minimize the number of relationships
(B) minimize the number of entities
(C) minimize the number of tables
(D) minimize the number of redundancy
(E) None of these
Ans : (D)

26. Granting an outside organization access to internet web pages is often implemented using a (n) ____
(A) extranet
(B) intranet
(C) internet
(D) hacker
(E) None of these
Ans : (A)

27. Which term identifies a specific computer on the web and the main page of the entire site
(A) URL
(B) Web site address
(C) Hyperlink
(D) Domain name
(E) None of these
Ans : (A)

28. The code that relational database management systems use to perform their database task is referred to as .....
(A) QBE
(B) SQL
(C) OLAP
(D) Sequel Server
(E) None of these
Ans : (B)

29. Chip is a common nickname for a (n):
(A) transistor
(B) resistor
(C) integrated circuit
(D) semiconductor
(E) None of these
Ans : (C)

30. The purpose of the primary key in a database is to:
(A) unlock the database
(B) provide a map of the data
(C) uniquely identify a record
(D) establish constraints on database operations.
(E) None of these
Ans : (B)

31. A _________ contains specific rules and words that express the logical steps of an algorithm.
(A) programming language
(B) syntax
(C) programming structure
(D) logic chart
(E) None of these
Ans : ()

32. The design of the network is called the network:
(A) architecture
(B) server
(C) transmission
(D) type
(E) None of these
Ans : (A)

33. The most frequently used instructions of a computer program are likely to be fetched from:
(A) the hard disk
(B) cache memory
(C) RAM
(D) registers
(E) None of these
Ans : (B)

34. The ____________ contains data descriptions and defines the name, data type, and length of each field in the database.
(A) data dictionary
(B) data table
(C) data record
(D) data field
(E) None of these
Ans : (A)

35. Personal logs or journal entries posted on the Web are known as:
(A) listservs
(B) Webcasts
(C) blogs
(D) subject directories
(E) None of these
Ans : (C)

36. A(n) _______ uses pictures (called icons) and menus displayed on the screen to send commands to the computer system.
(A) command - based user interface
(B) GUI
(C) system utility
(D) API
(E) None of these
Ans : (B)

37. The _____ manual tells you how to use a software program.
(A) documentation
(B) programming
(C) technical
(D) user
(E) None of these
Ans : ()

38. Which of the following is NOT a type of broadband Internet connection?
(A) Cable
(B) DSL
(C) Dial-up
(D) Satellite
(E) None of these
Ans : (C)

39. Software, such as viruses, worms and Trojan horses, that has a malicious intent, is known as:
(A) spyware
(B) adware
(C) spam
(D) malware
(E) None of these
Ans : (D)

40. Making a field ______ meAns : that it cannot be left blank.
(A) numeric
(B) required
(C) calculated
(D) validated
(E) None of these
Ans : (B)

41. _________ is the process of finding errors in software code.
(A) Debugging
(B) Compiling
(C) Testing
(D) Running
(E) None pf these
Ans : ()

42. ____________ are viruses that are triggered by the passage of time or on a certain date.
(A) Boot-sector viruses
(B) Macro viruses
(C) Time bombs
(D) Worms
(E) None of these
Ans : (C)

43. Linux is a (n) ____________ operating system.
(A) open-source
(B) Microsoft
(C) Windows
(D) Mac
(E) None of these
Ans : (A)

44. What is a backup?
(A) Restoring the information backup
(B) An exact copy of a system's information
(C) The ability to get a system up and running in the event of a system crash or failure
(D) All of these
(E) None of these
Ans : (D)

45. Which of the following places the common data elements in order from smallest to largest
(A) character, file, record, field, database
(B) character, record, field, database, file
(C) character, field, record, file, database
(D) Bit, byte, character, record, field, file, database,
(E) None of these
Ans : (C)

46. The internet is ......
(A) a large network of networks
(B) an internal communication system for a business
(C) a communication system for the Indian government
(D) All of these
(E) None of these
Ans : (D)

47. ____________ are lists of commands that appear on the screen.
(A) GUIs
(B) Icons
(C) Menus
(D) Windows
(E) None of these
Ans : (C)

48. Which of the following statements is FALSE concerning file names?
(A) Files may share the same name or the same extension but not both
(B) Every file in the same folder must have a unique name
(C) File extension is another name for file type
(D) The file extension comes before the dot (.) followed by the file name
(E) None of these
Ans : (D)

49. Verification of a login name and password is known as:
(A) configuration
(B) accessibility
(C) authentication
(D) logging in
(E) None of these
Ans : (C)

50. Which of the following would most likely NOT be a symptom of a virus?
(A) Existing program files and icons disappear.
(B) The CD-ROM stops functioning.
(C) The Web browser opens to an unusual home page.
(D) Odd messages or images are displayed on the screen.
(E) None of these
Ans : (B)

Current Affairs Refreshers 2009

1. Recently the 15 member caricom summit was held in “Santiago de Cuba.”
2. The European union has decided to ban the use of “Incandescent bulb”.
3. The UNO recently banned terriost orgnization “jamat-ud-Dawah”.
4. United Human Award has given to “Benazir Bhutto”.
5. UK based indian industrialist “Swaraj Paul” has become the first asian deputy speaker of the house of loards of Britain.
6. Jamaica’s spinter Usain Bolt has been choosen for International Media’s 2008 Athlete of the year.
7. Russia’s “Yelena Isinbayeva” has been choosen as the SportsWoman of the year 2008.
8. “John Atta-Mills” has been elected as a new president of the Republic of Ghana.
9. The Australian Cricketer “Matthew Hayden” announced his retirement from international cricket.
10. FIFA world Footballer of the year award was given to “Christiano Ronaldo” for 2008.
11. Malaysia won both men’s and women’s titles in the asian junior squash championship.
12. The internation Labour orgnization (ILO) recently said that up to 50 million jobs worldwide could be disappear by the end of 2009.
13. According t NASAreports, Mars shows fairly Large Amount of methane along with the water in the summer time.
14. US president Barrac Obama approved the deployment 17,000 more US troops to Afghanistan.
15. Indian Tabla Masetro Zakir Hussain has won the Grammy award for the best contemporary world music album Category for his collaborative album “Global drum project”.
16. Slumdog Millionaire sweeps 8 Oscars, Rahman Wins 2
17. India, China and Brazil have joined a key decision-making committe of the world’s leading policy forum for securities regulators.
18. The Earth Hour was observed on March 28, 2009.
19. The British Scientists plan to use stem cell for producing unlimited amount of Synthetic humun blood.
20. Top seeded American Mardy Fish won Delray Beach title.
21. Jenson Button won the Australian Formula 1 Grand prix in melbourne.
22. ATP Tour’s stefan Edberg sportmanship award given to Roger Federer.
23. The Prestigious Abel prize has won by Mikhail Gromov.
24. The south African paceman Andre Nel announced his retirement form international cricket on 25 Mar, 2009.
25. Rafael Nadal defeated Andy Murray and won BNP paribas open championship.
26. Australia’s first elected woman premier is Anna Bligh.
27.The winner of Dubai cup is Well Armed.
28. The first person to travel space twice as a tourist is Charles Simonyi.
29. Japan Deployed two ballistic missile destroyersfor its defencein the sea.
30. Recently WHO warned that the deadly swine flu virus first detected in Mexico where it killed a large number of people can no longer be contained.
31.The winner of Ashes Series 2009 is “England”.
32. The Winner of UEFA super cup is “barcelona”.
33.The athlete who won the 5,000 and 10,000 metre race in world athlete championship is “kenenisa Bekele”.
34.Miss universe 2009 is “stefania Fernandez”.
35.The G-20 summit was recently held in “Pittsburgh”.
36.Kerry-Lugar Bill is related to US aid to “Pakisthan”.
37.Angela Merkel has been re-elected recently as Germany’s chancellor for the Second time.
38. The winner of Singapore Grand Prix is “Lewis Hamilton”.
39. The Winner of US open (Men’s Single) 2009 is “Juan Martlin del Potro”.
40. The winner of US open (women’s Singles) 2009 is “Kim Clijisters”.
41. The Winner of Qatar Moto GP is Casey Stoner.
42. Injaz is a World First Cloned camel.
43. The Pritzker Prize Winner is Peter Zumthor.
44. The east Asian Country where recently emergency was imposed is “Benjamin Netanyahu”.
45. The winner of champions League Trophy is Barelona.
46. New PM of Nepal is “Madhav Kumar Nepal.”
47.The Two country which recently signed gas pipeline deal are “Iran and Pakistan”.
48.The winner of Man Booker International Prize is “Alice Munro”.
49. The Group of people who recently won the right to settle in England is “Gurkhas”.
50. Recently BRIC Summit was held in “Russia”.
51. The Winner of French open Tennis Championship 2009(Man’s Singles Title) is “Roger Federer.
52. The new re-elected president of Iran is “Mahmoud Ahmadinejad”.
53. The Winner of French open Tennis Championship 2009(Women’s Singles Title) is “Sveltana Kuznetsoa”.
54.The Winner of ICC world T-20 Cricket Tournament 2009 is “Pakistan”.
55. Recently, the country which test fired 7 missile is “North Korea”.
56. The new re-elected president of Indonesia is “Susilo Bambarg Yudhoyono”.
57. The Wimbledon 2009 Tennis Championship winner(Women’s Singles) holder is Serena Williams.
58. The Wimbledon 2009 Tennis Championship winner(men’s Singles) holder is Roger Federer.
59. The Winner of Grand prix is “Mark Webber”.
60. The 15th Non-Aligned movement Summit was held in “Sharm-el-Sheikh”.

Current Affairs Refreshers Dec.2009

1) The CNN IBN Indian of the year is “A.R.Rahman”.
2) The Winner of the Kingfisher 57the national Squash Championship are “Saurav Ghoshal and Joshan Chinappa”.
3) The Lal BahadurShastri award has been conferred on “Sunil Bharti Mittal”.
4) India recently test-fired “Dhanush Missile”.
5) The Indian industrialist who recently received ‘orderof merit of italian republic is “Ratan Tata”.
6) The Writer who has won Sahitya Acedmy award in Hindi is “Kailash Vajpeyi”.
7) The Champions in the Jaypee cup syed Modi International grand prix Badmintation Tournment are “Chetan Anand and Sania Nehwal”.
8) India’s first Commercial 2 Mega Watt Solar Power pant was inaugrated in “Awan Village”
9) The Asian Tour Rookie of the Year is “C.Muniayappa”.
10) Vasudha award has been bagged by “Underground inferno and melt down in Tibet”
11) The Sahitya Akademi’s Bhasha Sammam for 2008 has been given to “Vishwanath Khaire and Surrendra Nath Satpathy”.
12) The Indian State which recentlt got aid birth Rs 2254 crore from world bank is “Rajasthan”.
13) The nation party of india which celebrated recently its 125th foundation days “Indian National Congress”.
14) The Japanese PM Who recently visited india is “Yukio Hatoyama”.
15) The top test Cricket team of the World is “India”.
16) India recently sealed civil Nulear Deal with “Russia”.



International
1. The nepal cabinate recently held its meeting at “The Averest”.
2. Recently Pakistan Supreme Court annulled “The National Reconciliation ordinance”.
3. The world’s fastest rail link is “The Wuhan Guangzhou Railway Link”
4. The hockey world player for 2009 is “Jamie dwyer”.
5. The Champions Trophy (Hockey) was recently won by Australia.
6. The Indian American who has recently been maid the head of the United state Agency for International Development (USAID) is “Rajiv Shah”.
7. The FIFA Player and European Footballer of the Year 2009 is “Lionel Messi”.
8. The Winner of the super Series Masters final of badmintation is “Lee chong wei”.
9. The Tennis Player who have been named International Tennis Federation ITF Champions are “Roger Federer and Serena Williams”.

PAES WINS AUSTRALIAN OPEN MIXED TITLE WITH CARA BLACK

Indian doubles legend Leander Paes lived up to his No. 1 seeding in the Australian Open mixed doubles event alongside Zimbabwe's Cara Black, taking the title in Melbourne for the second time on Sunday.

Paes, who won the 2003 mixed title with Martina Navratilova, collected his fifth Grand Slam mixed championship and second with Black following a 7-5, 6-3 win over Czech Jaroslav Levinsky and Russian Ekaterina Makarova.

It was 36-year-old Paes's 11th major title overall - adding to his six men's doubles Slams - tying him with former doubles partner Mahesh Bhupathi for the most majors won by an Indian player. Bhupathi won his 11th Grand Slam title by taking the 2009 Australian Open mixed crown with compatriot Sania Mirza.

When asked about what makes him and Black a great mixed doubles combination, Paes replied: "I think that just our expertise and the way we play doubles, the way we cover the right shots at the right time, and the fact we keep bringing it to our opponents."

FEDERER WINS FOURTH AUSTRALIAN OPEN

Contesting his 22nd career Grand Slam singles final, World No. 1 Roger Federer collected his 16th major title with a 6-3, 6-4, 7-6(11) win over No. 5 seed Andy Murray at the Australian Open on Sunday.

The 28-year-old Swiss master, appearing in his 18th final from the past 19 Grand Slam events, notched his fifth win over Murray from 11 contests in the two-hour, 41-minute clash as he regained the title he lost to Rafael Nadal last year. It was a repeat of the 2008 US Open final (Murray's first in a major), which Federer also won in three straight sets.

Federer becomes the fifth man to win at least four Australian Open titles (2004, 2006, 2007, 2010) and only the second to do so at Melbourne Park alongside Andre Agassi. It is his first Grand Slam title won as a father, with his wife Mirka giving birth to twin girls six months ago.

"Coming here at the beginning of the year and playing so well, it's a beautiful feeling," said Federer, who edged ahead of Pete Sampras to win a record 15th major at Wimbledon last year. "I definitely had to play some of my best tennis tonight to come through. That was clearly the case."

Indian Economy

Monetary and Credit policy
Bank rate: 6.0%
Cash Reserve Ratio(CRR) 5.0%
Statutory Liquidity Ratio(SLR) 25%
Repo rate 4.75%
Reverse Repo Rate 3.25%
Banking and Capital Market
The First fully indian bank is “Punjab National Bank”.
India’s central bank is “Reserve Bank of India”.
Governer of RBI is “Dr. D.Subbarao”.
Nationalisation of 14 big banks in “july 19, 1969”.
Nationalisation of 6 another banks in “April 1980”.
Present No. Of Nationalised Banks are 19.

Famous Cups and Trophies

Cricket
Ashes, Anthony Demellow Trophy, C.K. Naidu Trophy, Cooch-Behar Trophy, Deodhar Trophy, Duleep Trophy, Irani Trophy, Moin-ud-dowla cup, Natwest Trophy, Ranji Trophy, Rohinton Bria Trophy, Sheesh Mahal Trophy, Sheffield Shield
Foot ball
B.C.Roy Trophy, Bordoloi Trophy, DCM cup, Durand Cup, G.V. Raja Memorial Trophy, Mardeka Cup, Nehru gold Cup, Rovers Cup, Santosh Cup
Golf
Canada Cup, Muthiah Gold Cup, Ryder Cup, Walker Cup
Hockey
Agha Khan Cup, Azlan Shah Cup, Beighten Cup, Dhyan Chand Trophy, Gyanvanti Devi Trophy, Indira Gandhi Gold Cup, Khan Abdul Gaffar Cup, Lady Ratna Tata Cup(Women), Modi gold cup, Murugppa Gold Cup, Obaidullah Gold Cup, RangaSwami Cup
Table Tennis
Corbillian Cup(Women), Jayalaxmi cup(women), Swaythling Cup (men), U.Thant Cup
Lawn Tennis
Davis Cup, Hamlet Cup, Gaffar Cup, Australian open, French Open, Wimbledon, US Open
Badminton
Ibrahim Rahimatulah Challenge Cup, Thomas Cup(men), Uber Cup(Women), Narang Cup
Boxing
Aspy Adjahia Trophy
Rowing
Wellington Trophy
Brigade
Ruia Trophy
Polo
Ezat Cup, Winchester Cup
Chess
Khaitan Trophy

December Sports News

Cricket
India Wins Series Against Sri-lanka on 6 Dec, 2009 ..Tops in Test Ranking
Australia Won the third test match against the West Indies.
India clinched one day International series 3-1 against sri-lanka.
Tennis
Fedrer and Serena Williams were named ITF world champions on Dec 22, 2009 after capturing four grand slam singles title between them in 2009
Spain registered victory over Czech Republic on 6 Dec, 2009 to Clinch Davis Cup.
Amelie Mauresmo Takes Retirement: France’s two time grand slam winner announced her retirement from tennis on Dec 3, 2009.
India’s Mohit Mayur beat Czech Republic’s Libor salaba in the ITF junior tournament
Football
1.Lionel Messi of Argentaina Bagged FIFA world player award in Zurich after beating cristiano Ronaldo and Kaka.
2.The Complete schedule for the FIFA world cup 2010 has been announced , will be held in South Africa from june 11, 2010. The opening match will be played between host south Africa and mexico in Johansburg on june 11, 2010. The final will be played on july 11, 2010 at johannesburg.
3.India beat Maldives 3-1 in a penalty shootout in the final of the south Asian Football Championship (SAFF) on Dec 13, 2009.
HOCKEY
1.Australia’s Jamie Dwyer has been crowned field Hockey’s world player of the year for a third time. Dwyer was also declared Field Hckey’s world player in 2004 and 2007.
2.Australia Wons the mens Field Hockey champions trophy for a record tenth time with victory over Germany.
BADMINTON
Saina Nehwal and Chetan Anand wins singles in their respective category after the winning final of US dollor 50,000 jaypee cup sayed Modi International grand prix Badminton tournament.
CHESS
Sriram Jha becomes India’s 21st GrandMaster
Boris Gelfrand of Israel won the Chess World cup after beating former world Champion Ruslan Ponomariov of Ukraine.

Bank of India PO General Awareness Dated 24-1-2010

1. Recently Irina bokova took over as secretary general of ______?
New Delhi
2. India recently bought huge amount of gold from?
India Recently bought 200 Ton Gold from IMF.
3. Recently heads of different countries met in Berlin to commemorate the 20th anniversary of ? Answer: On 9 November 2009 , Presidents of the European Commission and the European Parliament, Heads of State and Government as well as hundreds of thousands of citizens joined together to celebrate the 20 th anniversary of the fall of the Berlin Wall, a unique event in contemporary history and a landmark for European integration.
4. Dadasaheb phalke award is related to ?
Mannadey Received this award this year.
5. Lata mangeskar recently was honoured with legion of honour from which country?
France
6. Term related with football?
The answer option was Cutback .
7. Cricketer who completed 17000 runs ?
Sachin tendulkar
8. Full form of NREGA?
National Rural Employment Gurantee Act
9. Book written by Chetan bhagat?
Five Point Someone - What not to do at IIT , One Night @ the Call Center, The Three Mistakes of My Life and 2 States - The Story Of My Marriage
10. Dorjee khandu is the chief minister of?
Arunachal Pradesh .
11. 3rd largest steel producing country?
It India.
12. One basis point is equal to?
One basis point is 100th part of a given rate. For example the given rate of SLR was raised by 100 basis points , so it was made 24 % to 25%.
13. Foreign trade policy is related to (Asking for Ministry?
Ministry of trade and commerce.
14. Which Indian state set up the first e-court?
It is Gujarat High Court or can be Delhi Not sure
15. NTPC is about to acquire coal fields in which country?
The answer is Indonesia
16. Nepal PM immediately prior to Madhav Kumar Nepal?
He was Pushpa Kamal Dahal(Prachanda)
17. Miss earth 2009?
Larissa Ramos
18. CHOGM summit was held at?
it was in Trinidad
19. Which of the following is not a food crop?
jute
20. Venue of 2009 WTO ministerial meeting?
It was in Geneva.

Bank of India Clerk Exam -2008

Directions—(Q. 1–15) Read the following passage carefully and answer the questions given below it. Certain words/phrases are printed in bold to help you to locate them while answering some of the questions.

The King of Kanchi set off to conquer Karnat. He was victorious in batttle. The elephants were laden with sandalwood, ivory, gold and precious stones taken from the conquered kingdom of Karnat. They would be a part of the victory parade for his subjects. On his way back home he stopped at a temple, finished his prayers to the goddess and turned to leave. Around his neck was a garland of scarlet hibiscus and as was the custom for all, his forehead was anointed with red sandal paste. His Minister and the court jester were his only companions. At one spot, in a mango grove by the wayside, they spied some children play. The King said, “Let me go and see what they are playing.”

The children had lined up two rows of clay dolls and were playing warriors and battles. The King asked, “Who is fighting whom ?” They said, “Karnat is at battle with Kanchi.”
The King asked, “Who is winning and who is the loser ?” The children puffed their chests up and said, “Karnat will win and Kanchi will lose.” The Minister froze in disbelief, the King was furious and the jester burst into laughter.

The King was soon joined by his troops and the children were still immersed in their game. The King commanded, “Cane them hard.” The children’s parents came running from the nearby village and said, “They are naive, it was just a game, please grant them pardon.” The King called his commander and ordered, “Teach these children and the village a lesson so that they never forget the King of Kanchi.” He went back to his camp.

That evening the Commander stood before the King. He bowed low in shame and said, “Your Majesty, with the exception of hyenas and vultures, all lie silent in the village.” The Minister said, “His Majesty’s honour has been saved.” The priest said, “The goddess has blessed our King.” The jester said, “Your Highness, please grant me leave to go now.” The King asked, “But why ?” The jester said, “I cannot kill, I cannot maim, I can only laugh at God’s gift of life.” Trembling in the face of the king’s anger he bravely
continued, “If I stay in your Majesty’s court, I shall become like you and I shall forget how to laugh.”

1. Why were the elephants carrying loads of gold and other valuables ?
(A) This was what the king had looted from Karnat to distribute among his soldiers as a reward
(B) This was the king’s offering to the deity out of gratitude for making him victorious
(C) It was what the king had plundered from Karnat to display to the people of his kingdom as a sign of victory
(D) So that the people of the kingdom of Karnat acknowledged him as their new ruler
(E) None of these

2. Why did the king anoint his head with red sandal paste ?
(A) As a mark of celebration to show he had been victorious
(B) It was the usual practice for all devotees at the temple
(C) To show other devotees that he was king
(D) The priest requested him to do so
(E) To show his soldiers that he had visited the temple

3. Which of the following cannot be said about the jester ?
1. He was not a loyal subject of the king.
2. He was afraid of the king’s temper.
3. He did not support the king’s war against Karnat.
(A) Both 1 and 3
(B) Only 1
(C) Both 1 and 2
(D) All 1, 2 and 3
(E) None of these

4. What excuse was given for the childrens’ behaviour ?
(A) They were disobedient to their parent’s wishes
(B) They were unaware of the true facts of the battle
(C) They were upset that their army had lost
(D) They were in the habit of lying
(E) None of these

5. Why did the jester laugh at the children’s reply to the king ?
1. They correctly predicted the outcome of the battle.
2. Their reply was cheeky because they knew he was the king.
3. He wanted to show that their reply was a joke to save them from being punished by the king.
(A) Only 1
(B) Both 1 and 2
(C) Only 3
(D) Both 2 and 3
(E) None of these

6. Which of the following is true in the context of the passage ?
(A) The king stopped at the temple to see what else could be plundered
(B) The people of the village to which the children belonged developed great respect for the king
(C) The Commander was ashamed at having obeyed the king’s orders to cane the children
(D) The jester was unhappy that the king had defeated the army of Karnat
(E) The children had shown disrespect to the goddess by playing so close to the temple

7. Why did the jester resign from his post ?
(A) He felt that the king was too influenced by the Minister
(B) To show that he disapproved of the king’s action of punishing the children
(C) He did not want to accompany the king on his war campaign
(D) He was no longer able to make the king laugh
(E) None of these

8. Which of the following describes the Minister ?
1. He was jealous of the jester.
2. He was the king’s most valuable advisor.
3. He did not have a good sense of humour.
(A) Only 1
(B) Only 3
(C) Both 1 and 3
(D) Both 1 and 2
(E) None of these

9. Which of the following was/were the outcome(s) of the soldiers beating the children ?
1. The animals began to howl and wanted to attack the soldiers.
2. The children’s parents went to the king to beg for mercy.
3. The priest offered prayers to the goddess of the temple.
(A) Only 1
(B) All 1, 2 and 3
(C) Both 1 and 2
(D) Only 2
(E) None of these

10. Why was the king angry with the children ?
(A) Because the game they were playing was dangerous
(B) They had lied to him
(C) They did not recognize him as king
(D) They had unknowingly insulted him
(E) They were rude to him



Directions—(Q. 11–13) Choose the word which is most nearly the SAME in meaning as the word printed in bold as used in the passage.

11. froze
(A) cold
(B) numb
(C) shivered
(D) stood still
(E) chill

12. leave
(A) holiday
(B) transfer
(C) exit
(D) permission
(E) farewell

13. spied
(A) noticed
(B) keep watch
(C) followed
(D) spot
(E) caught

Directions—(Q. 14–15) Choose the word which is most OPPOSITE in meaning of the word printed in bold as used in the passage.

14. immersed in
(A) safe from
(B) distracted from
(C) boring
(D) drowning in
(E) entertained by

15. pardon
(A) punishment
(B) excuse
(C) convict
(D) intolerance
(E) imprison

Directions—(Q. 16–20) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence
grammatically meaningful and correct. If the sentence is correct as it is and ‘No correction is required’, mark (E) as the answer.

16. Your bonus will dependent the quality of your work.
(A) is dependable
(B) depends on
(C) being dependent
(D) going to depend
(E) No correction required

17. He did not ask for a raise since he had fear to lose his job.
(A) was fearful of
(B) was feared to
(C) was afraid to
(D) had been afraid to
(E) No correction required

18. The organizers agreed to shift the conference at some place convenience to all participants.
(A) any of the place convenient
(B) at places convenient
(C) from a place of convenience
(D) to a place convenient
(E) No correction required

19. As compared to last year there has been a sharp rise in interest rates.
(A) sharper rise of
(B) as sharp a rise
(C) sharp rises in
(D) sharply rising
(E) No correction required

20. In the 1970s banks required to submit their detailed plans of expansion to RBI.
(A) were required to submit
(B) required for submission
(C) are required to submit
(D) requirement of submitting
(E) No correction required

Directions—(Q. 21–25) Rearrange the following Six sentences (1), (2), (3), (4), (5) and (6) in the proper sequence to form a meaningful paragraph; then answer the questions given below them—

1. I had paid a lot of attention during training and could easily answer the questions till I came to the last one. What is the name of the lady who cleans your floor ?

2. ‘Yes’, he replied. “In your career you will meet many people all of whom are significant even if all you do is greet them.”

3. I thought the question was a joke. I had seen her but how would I know her name ?

4. During my internship we were given a quiz to see how much we had learnt.

5. I have never forgotten this lesson.

6. I submitted my paper leaving the last question blank and asked the manager if it would count for assessment.

21. Which of the following will be the SECOND sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5

22. Which of the following will be the SIXTH (LAST) sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 6
(E) 5

23. Which of the following will be the FIFTH sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5

24. Which of the following will be the FIRST sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5

25. Which of the following will be the THIRD sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5

Directions—(Q. 26–30) In each sentence below four words have been printed in bold which are lettered (A), (B), (C) and (D). One of these words may be wrongly spelt or inappropriate in the context of the sentence. Find out the wrongly spelt or inappropriate word. The letter of that word is the answer. If all the words are correctly spelt and are appropriate the answer is (E), i.e. ‘All correct’.

26. My gole (A) is to acquire (B) a position (C) of authority (D) and respect within the organization. All correct (E)

27. The refusal (A) of the Ministry to clear pending (B) dues is a course (C) for concern (D) . All correct (E)

28. He was convinced (A) that discipline (B) and hard work would result (C) in dividents (D) in the long run. All correct (E)

29. This is a company which believes (A) in transparency (B) and appointment is done strictly (C) on merit (D). All correct (E)

30. There will be a decline (A) in the probability (B) of oil companies because of the hike (C) in oil prices (D). All correct (E)

Directions—(Q. 31–40) Read each sentence to find out whether there is any grammatical error in it.The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E) i.e. ‘No error’. (Ignore the errors of punctuation, if any.)

31. The revised government’s (A) /guidelines have reduced (B)/ the number of mergers (C) / taking place among banks. (D) No error (E)

32. I do not know (A) / who of the (B) /new trainees should (C) / be confirmed. (D) No error (E)

33. To promote India as (A) / a tourist destination (B)/ the government has organized (C) / many cultural programmes. (D) No error (E)

34. Banks in India (A) / cannot open ATMs (B)/ except obtaining (C) / approval from RBI. (D) No error (E)

35. Today the success of (A) / companies depends on the (B)/ quality of their products and(C) /efficient managing staff. (D) No error (E)

36. Ashok has managed to (A) / achieve his sales targets (B)/ for the quarter very easily (C) / than we expected. (D) No error (E)

37. He did not grant (A) / their request for a loan (B)/ although it would (C) / displease his boss. (D) No error (E)

38. At present oil companies (A) / are making a loss of (B)/ rupees five on all (C) / litre of petrol that they sell. (D) No error (E)

39. The manager’s belief that (A) / Ramesh is (B)/ incompetent is not (C) / necessary true. (D) No error (E)

40. Since I was doing (A) / my MBA I initially (B)/ chose to specialize (C) / in marketing management. (D) No error (E)

Directions—(Q. 41–50) In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.
He was a charismatic leader, an entrepreneur and a highly effective manager all rolled into one. As a leader, he …(41)… the company’s growth plan in a dedicated manner and he never …(42)… focus. The cement industry in those days was doing badly. …(43)… to everyone’s expectations he sanctioned an additional plant in …(44)… time. He was …(45)… that since the cement industry was cyclic in nature, by the time the plant was …(46)… the market would have improved. It did happen and the decision brought rich …(47)… when the plant was commissioned.

Not only was he a great entrepreneur but he also …(48)… all his senior people to be ‘practising entrepreneurs’. I have seen a similar example at the Asian Institute of
Management, which allows its professors to …(49)… their own business. This made their lectures more practical and less theoretical. It is the …(50)… of the Institute’s success.

41. (A) achieved
(B) implemented
(C) visualised
(D) persevered
(E) aimed

42. (A) moved
(B) shifts
(C) missed
(D) changes
(E) lost


43. (A) Contrary
(B) Opposite
(C) Yet
(D) Obedient
(E) Different

44. (A) any
(B) mean
(C) short
(D) no
(E) less

45. (A) known
(B) calculating
(C) certain
(D) dreamt
(E) surely

46. (A) operational
(B) install
(C) use
(D) produced
(E) new

47. (A) supply
(B) diversity
(C) rewards
(D) pay
(E) knowledge

48. (A) thought
(B) tried
(C) wished
(D) encourage
(E) wanted

49. (A) expand
(B) function
(C) chose
(D) run
(E) risk

50. (A) responsibility
(B) secret
(C) guarantee
(D) prize
(E) value

Answers with Hints

1. (C) 2. (B) 3. (B) 4. (B) 5. (E)
6. (C) 7. (E) 8. (B) 9. (D) 10. (D)
11. (B) 12. (D) 13. (B) 14. (B) 15. (A)
16. (B) 17. (C) 18. (D) 19. (E) 20. (A)
21. (A) 22. (E) 23. (B) 24. (D) 25. (C)
26. (A) Correct spelling is ‘goal’.
27. (C) Correct spelling is ‘cause’.
28. (D) Correct spelling is ‘dividends’.
29. (E) 30. (B)
31. (A) Write ‘the government’s revised’.
32. (B) Write ‘which of the’.
33. (C) Write ‘the government is organizing’.
34. (C) Write ‘without obtaining’.
35. (D) Write ‘efficient managerial staff’.
36. (C) Change ‘very easily’ to ‘more easily’.
37. (C) Write ‘even though it would’.
38. (C) Write ‘each in place of ‘all’.
39. (D) Write ‘necessarily true’.
40. (B) Delete ‘my’.
41. (B) 42. (C) 43. (A) 44. (D) 45. (B)
46. (A) 47. (C) 48. (E) 49. (D) 50. (B)

 
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