Who is the captain of Australian Cricket Team, which currently (March 2013) visited India
Government as part of the recapitalisation plan, infused capital in State Bank of India recently. Indicate the approximate capital influsion.
The NRIs while investing in the equity of a company cannot buy more than prescribed percentage of the paid up capital of that company. What is the prescribed percentage
Every year March 20 is celebrated as what day
One of the famous Indian Sportsperson released his/her autobiography - 'Playing to Win' in November 2012. Name the sports person correctly.
Which of the following term is associated with the game of Cricket
Who is the author of the book 'Women of Vision'
Prof. Muhammad Yunus, the recipient of the Nobel Peace Prize 2006 is the exponent of which of the following concepts in the field of banking
Invisible Export means export of ...........
The European Union has adopted which of the following as a common currency
Banks in India are required to maintain a portion of their demand and time liabilities with the Reserve Bank of India. This portion is called .........
Pre-shipment finance is provided by the banks only to ............
Banking Ombudsman is appointed by
The Holidays for the Banks are declared as per ............
Interest on Savings deposit nowadays is ..............
Interest below which a bank is not expected to lend to customers is known as ..........
The customers, by opening and investing in the Tax Saver Deposit Account Scheme in a Bank would get benefit under ............
In banking business, when the borrowers avail a Term Loan, initially they are given a repayment holiday and this is referred as .........
One of IT Company from India has become the first Indian Company to trade on NYSE Euronext London and Paris markets from February 2013 onwards. Which is this company
BSE (Bombay Stock Exchange), the oldest stock exchange in Asia has joined hands with one more International index in February 2013. This association has resulted in change of name of BSE index. What is the change of name effected
A non-performing asset is ......
RBI has released its guidelines for entry of new banks in the private sector in the month of February 2013. One of the norms is at least a prescribed percentage of branches of new bank should be set in unbanked rural centres with a population of upto 9,999 people. What is the percentage of such branches prescribed in the norms
The Union Budget for 2013-14 proposed by the Finance Minister on 28th February 2013 announced introduction of new variety of bonds by the Government. What is the name of these bond
Government usually classifies its expediture in term of planned and non-planned expenditure. Identify, which is the correct definition of Planned expenditure. Identify, which is the correct definition of planned expenditure
Which of the following organization is made specifically responsible for empowering Micro, Small and Medium enterprises in India
'C' in CPU denotes ...........
A joystick is primarily used to/for .....
Which is not a storage device
Which of the following uses a handheld operating system
To display the contents of a folder in Windows Explorer you should ........
The CPU comprises of Control, Memory, and .......... Units.
........... is the most important/powerful computer in a typical network.
A(n)...........appearing on a web page opens another document when clicked.
Which of the following refers to the rectangular area for displaying information and running programs
............ is a Windows utility program that locates and eliminates unnecessary fragments and recharges files and unused disk space to optimize operations.
Which of the following refers to too much electricity and may cause a voltage surge
The Software that is used to create text-based documents are referred to as .........
............. devices convert human-understandable data and programs into a form that the computer can process.
Effective Selling Skills depends on ........
A Direct Selling Agent (DSA) is required to be adept in ..........
Leads can be best sourced from ........
A successful marketing person requires one of the following qualities .......
Innovation in marketing is same as .............
Market segmentation can be resorted to by dividing the target group as per...........
Post-sales activities include .......
The 'USP' of a product denotes ............
The competitive position of a company can be improved by :
Value added services means :
The target market for Debit Cards is ...........
A good Brand can be built up by way of .........
Directions (next five questions) : Read each statement carefully and answer the following questions.
Which of the following expression will be true if the expression R>O=A>S
Which of the following symbols should replace the question mark (?) in the given expression in order to make the expressions 'P>A' as well as 'T≤L' definitely true?
P>L?A≥N=T
Which of the following symbols should be placed in the blank spaces respectively (in the same order from left to right) in order to complete the given expression in such a manner that makes the expressions 'B>N' as well as 'D≤L'definitely true
B_L_O_N_D
Which of the following should be placed in the blank spaces respectively (in the same order from left to right) in order to complete the given expression in such a manner that makes the expressions 'F>N' and 'U>D' definitely false
F_O_U_N_D
Which of the following should be placed in the blank spaces respectively (in the same order from left to right) in order to complete the given expression in such a manner that makes the expression 'A<P' definitely false
_<_<_>_
Directions (next five questions) : Study the information and answer the following questions.
A,B,C,D,E,G, and I are seven friends who study in three different standards namely 5th, 6th, and 7th such that not less than two friends study in the same standard. Each friend also has a different favourite subject namely History, Civics, English, Marathi, Hindi, Maths and Economics but not necessarily in the same order. A likes Maths and studies in the 5th standard with only one other friends. Both the friends who study with I like languages (here languages include only Hindi, Marathi and English). D studies in 6th standard with only one person and does not like Civics. E studies with only one friend. The one who likes history does not study in 5th or 6th standard. E does not like languages. C does not like English, Hindi or Civics.
Which combination represents E's favourite subject and the standard in which he studies
Which of the following is I's favourite subject
Which amongst the following studies in 7th standard
Which of the following is definitely correct
Which of the following subjects does G like
Directions (next five questions) :Study the information and answer the following questions.
In a certain code of language.
'economics is not money' is written as 'ka la ho ga'
'demand and supply economics' is written as 'mo ta pa ka'.
'money makes only part' is written as 'zi la ne ki', 'demand
makes supply economics' is written as 'zi mo ka ta'.
What is the code for 'money' in the given code language
What is the code for 'supply' in the given code language
What may be the possible code for 'demand only more' in the given code language
What may be the possible code for 'work and money' in the given code language
What is the code for 'makes' in the given code language
Directions (next ten questions) :Study the given information and answer the following questions.
When a word and number arrangement machine is given an input line of words and numbers, it arranges them following a particular rule. The following is an illustration of input and rearrangement. (All the numbers are two digit numbers)
Input : 40 made butter 23 37 cookies salt extra 52 86 92 fell now 19
Step I : butter 19 40 made 23 37 cookies salt extra 52 86 92 fell now
Step II : cookies 23 butter 19 40 made 37 salt extra 52 86 92 fell now
Step III: extra 37 cookies 23 butter 19 40 made salt 52 86 92 fell now
Step IV : fell 40 extra 37 cookies 23 butter 19 made salt 52 86 92 now
Step V : made 52 fell 40 extra 37 cookies 23 butter 19 salt 86 92 now
Step VI : now 86 made 52 fell 40 extra 37 cookies 23 butter 19 salt 92
Step VII : salt 92 now 86 made 52 fell 40 extra 37 cookies 23 butter 19
Step VII is the last step of the above arrangement as the intended arrangement is obtained.
As per the rules followed in the given steps, find out the appropriate steps for the given input.
Input : 32 proud girl beautiful 48 55 97 rich family 61 72 17 nice life
How many steps will be required to complete the given input
Which of the following is the third element from the left end of step VI
Which of the following is step III of the given input
What is the position of 'nice' from the left end in the final step
Which element is third to the right of 'family' in Step V
Directions (next five questions) : Read the information carefully and answer the following questions.
If A+B means A is the father of B
If A×B means A is the sister of B
IF A$B means A is the wife of B
If A%B means A is the mother of B
If A+B means A is the son of B
What should come in place of the question mark (?) to establish that J is the brother of T in the expression
What should come in place of the question mark(?), to establish that J is the brother of T in the expression
J÷P%H?T%L
Which among the following options is true if the expression 'I+T%J×L÷K' is definitely true
Which among the following expression is true if Y is the son of X is definitely false
What should come in place of the question mark (?), to establish that T is the sister-in-law of Q in the expression
R%T×P?Q+V
Directions (next five questions) : Study the following information and answer the questions given below.
Eight people - E,F,G,H,J,K,L and M are sitting around a circular table facing the centre. Each of them is of a different profession - Chartered Accountant, Columnist, Doctor, Engineer, Financial Analyst, Lawyer, Professor and Scientist but not necessarily in the same order. F is sitting second to the left of K. The Scientist is an immediate neighbour of K. There are only three people between the Scientist and E. ONly one person sits between the Engineer and E. The Columnist is to the immediate right of the Engineer. M is second to the right of K. H is the Sceintist. G and J are immediate neighbours of each other. Neither G nor J is an Engineer. The Financial Analyst is to the immediate left of F. The Lawyer is second to the right of the Columnist. The Professor is an immediate neighbour of the Engineer. G is second to the right of the Chartered Accountant.
Who is sitting second to the right of E
Who amongst the following is the Professor
Four of the following five are alike in a certain way based on the given arrangement and hence form a group. Which of the following does not belong to that group
What is the position of L with respect to the Scientist
Which of the following statements is true according to the given arrangement
Directions (next five questions) : In each of the questions below, two/three statements are given followed by conclusions/group of conclusions numbered I and II. You have to assume all the statements to be true even if they seem to be at variance from the commonly known facts and then decide which of the given two conclusions logically follows from the information given in the statements.
Statements : Some squares are circles.
No circle is a triangle.
No line is a square.
Conclusions : I. All squares can never be triangles.
II. Some lines are circles.
Conclusions : I. No triangle is a square.
II. No line is a circle.
Statements : All songs are poems.
All poems are rhymes.
No rhyme is a paragraph.
Conclusions : I. No song is a paragraph.
II. No poem is a paragraph.
Conclusions : I. All rhymes are poems.
II. All songs are rhymes.
Statements : Some dews are drops. All drops are stones.
Conclusions : I. Atleast some dews are stones.
II. Atleast some stones are drops.
Directions (next three questions) : Each of the questions below consists of a question and two statements numbered I and II given below it. You have to decide whether the data given in the statements are sufficient to answer the questions. Read both the statements and
Seventeen people are standing in a straight line facing south. What is Bhavana's position from the left end of the line
I. Sandeep is standing second to the left of Sheetal. Only five people stand between Sheetal and the one who is standing at the extreme right end of the line. Four people stand between Sandeep and Bhavana.
II. Anita is standing fourth to the left of Sheetal. Less than three people are standing between Bhavana and Anita.
Five letters - A,E,G,N and R are arranged left ot right according to certain conditions. Which letter is placed third
I. G is placed second to the right of A. E is to the immediate right of G. There are only two letters between R and G.
II. N is exactly between A and G. Neither A nor G is at the extreme end of the arrangement.
Six people - S,T,U,V,W and X are sitting around a circular table facing the centre. What is T's position with respect to X
I. Only two people sit between U and W. X is second to the left of W. V and T are immediate neighbours of each other.
II. T is to the immediate right of V. There are only two people between T and S. X is an immediate neighbour of S but not of V.
Directions (next two questions) : Read the following information carefully and answer the given questions.
The convenience of online shopping is what I like best about it. Where else can you shop even at midnight wearing your night suit? You do not have to wait in a line or wait till the shop assistant is ready to help you with your purchases. It is a much better experience as compared to going to a retail store. - A consumer's view.
Which of the following can be a strong argument in favour of retail store owners
Which of the following can be inferred from the given information ? (An inference is something that is not directly stated but can be inferred from the given information)
Read the following information carefully and answer the given question.
Many manufacturing companies are now shifting base to the rural areas of the country as there is a scarcity of space in urban areas. Analysts say that this shift will not have a huge impact on the prices of the products manufactured by these companies as only about 30% consumers live in urban areas.
Which of the following maybe a consequence of the given information
'Pets are not allowed in the park premises'-A notice put up at the park entrance by the authority that is responsible for maintenance of the park.
Which of the following can be an assumption according to the given information ? (An assumption is something that is supposed or taken for granted)
Directions (next three questions) : Read the following information carefully and answer the given questions.
Which of the following among (A), (B), (C) and (D) may be a strong argument in favour of the three students who were caught with the mobile phone
Which of the following among (A), (B), (E) and (F) may be the reason behind the school making such announcement before the exam
Which of the following among (A), (B), (D) and (F) can be an immediate course of action for the invigilator
Directions (next five questions) : Study the following graph carefully to answer the questions that follow.
Cost of three different fruits (in INR per kg)
in five different cities
In which city is the difference between the cost of one kilogram of apple and cost of one kilogram of guava second lowest
(Cost of 1 kg of apple - Cost of 1 kg of guava) in Jalandhar = 160-60 = INR 100/-
(Cost of 1 kg of apple - Cost of 1 kg of guava) in Chandigarh = 180-120 = INR 60/-
(Cost of 1kg of apple - Cost of 1 kg of guava) in Hoshiapur = 90-30 = INR 60/-
(Cost of 1 kg of apple - Cost of 1 kg of guava) in Ropar = 40-20 = INR 20/-
Cost of one kg of guava in Jalandhar is approximately what percent of the cost of 2 kg of grapes in Chandigarh
Required percent = 60/2×90×100 = 33.34 = 34%
What total amount will Ram pay to the shopkeeper for purchasing 3 kg of apples and 2 kg of guavas in Delhi
Required amount = 3×130+2×90
=390+180= INR 570/-
Ravinder had to purchase 45 kg of grapes from Hoshiapur. Shopkeeper gave him discount of 4% per kg. What amount did he pay to the shopkeeper after the discount
Required amount = 45×190×(100-4)/100=INR 8208/-
What is the respective ratio between the cost of one kg of apples from Ropar and the cost of 1 kg of grapes from Chandigarh
Required ratio = 40:90 = 4:9 = 22:32
Directions (next five questions) : Study the radar graph carefully and
answer the questions that follows.
Number of students (in thousands) in two different
universities in six different years
What was the difference between the number of students in University-1 in the year 2010 and the number of students in University-2 in the year 2012
Required difference = 20-20 = zero
What is the sum of the number of students in University-1 in the year 2007 and the number of students in University-2 in the year 2011 together
Required students = 10+30 = 40 thousand = 40000
If 25% of the students in University-2 in the year 2010 were females, what was the number of male students in the University-2 in the same year
Number of students in University- in the year 2010
=15000
Required numbe of males = 15000×75/100
=11250
What was the percent increase in the number of students in University-1 in the year 2011 as compared to the previous year
Required percentage = (25-20)/20×100
=5/20×100=25%
In which year was the difference between the number of students in University-1 and the number of students in University-2 highest
Difference of students in 2007 = 20-10
=10 thousand
Difference of students in 2008 = 25-15
Difference of students in 2009 = 35-25
Difference of students in 2010 = 20-15
= 5 thousand
Difference of students in 2011 = 30-15
=5 thousand
Difference of students in 2012 = 35-20
=15 thousand
Directions (next five questions) : Study the graph carefully to answer the questions that follow.
Number of players participating in three
different games in five different schools
What is the total number of players participating in hockey from all the five schools together
Required number of players
= 68+80+54+50+36 = 288
What is the respective ratio between number of players participating in basketball from school-1 and the number of players participating in Kho-Kho from school-3
Required ratio = 42:48 = 7:8
In which school is the number of players participating in hockey and basketball together second highest
In school-1=68+42=110
In school-2=80+34=114
In school-3=54+28=82
In school-4=50+60=110
In school-5=36+82=118
Number of players participating in Kho-Kho from school-4 is what per cent of number of players participating in hockey from school-2
Required percent = 32/80×100=40%
25% of the number of the players participating in hockey from school-5 are females. What is the number of the hockey players who are males in school-5
Required number of males = 36×75/100=27
Directions (next five questions) : Study the following bar-graph carefully and answer the following questions.
Earnings (in INR) of three different
persons on four different days
What is Git's average earnings over all the days together
Gita's average earnings over all the days together
= 140+200+420+400/4=INR 290/-
What is the total amount earned by Rahul and Naveen together on Tuesday and Thursday together
Required amount = (260+160) + (180+340)
= INR 940/-
Gita donated her earnings of Wednesday to Naveen. What was Naveen's total earnings on Wednesday after Gita's donation
Total earnings of Naveen on Wednesday
= 120+420 =INR 540/-
What is the difference between Rahul's earnings on Monday and Gita's earnings on Tuesday
Required difference = 240-200 =INR 40/-
What is the respective ratio between Naveen's earnings on Monday, Wednesday and Thursday
Required ratio = 360:120:160 = 9:3:4
Directions ( next five questions) : Study the following pie-chart and answer the following questions.
Percentagewise distribution of employees in six
different professions
Total number of employees = 26800
What is the difference between the total number of employees in teaching and medical profession together and the number of employees in management profession
Required difference = 26800×(15+27-17)/100
=26800×25/100 = 6700
In management profession three-fourth of the number of employees are female. What is the number of male employees in management profession
Required number of males = 26800×17/100[1-3/4]
=268×17×1/4 = 1139
25% of employees from film production profession went on a strike. What is the number of employees from film production who have not participated in the strike
Required number of employees
= 26800×19/100×(100-25)/100=3819
What is the total number of employees in engineering profession and industries together
=26800×(9+13)/100=5896
In teaching profession if three-fifth of the teachers are not parmanent, what is the number of permanent teachers in the teaching profession
Required number of teachers = 26800×15/100[1-3/5]
=268×15×2/3
=1608
Directions (next five question): Study the table carefully to answer the questions that follow.
Monthly Bill (in INR) of landline phone, electricity, laundry and mobile phone paid
by three different people in five different months
Month
Monthly BIll
Landline Phone
Electricity
Laundry
Mobile Phone
Ravi
Dev
Manu
March
234
190
113
145
245
315
93
323
65
144
345
April
124
321
270
220
135
151
134
35
164
221
325
May
156
432
211
86
150
98
232
442
132
143
532
332
June
87
123
116
213
324
184
125
July
104
235
103
131
543
What is the total amount of bill paid by Dev in the month of June for all the four commodities
Required amount = 123+150+324+134 = INR 731/-
What is the average electricity bill paid by Manu over all the five months together
Required average = 315+135+98+116+131/5
=INR 159/-
What is the difference between the mobile phone bill paid by Ravi in the month of May and the laundry bill paid by Dev in the month of March
Required difference = |143-323|=INR 180/-
In which months respectively did Manu pay the second highest mobile phone bill and the lowest electricity bill
What is the respective ratio between the electricity bill paid by Manu in the month of April and the mobile phone bill paid by Ravi in the month of June
Required ratio = 135:245 = 27:49
PM Shri Narendra Modi unveiled a statue of Mahatma Gandhi during his official visit to 'Bishkek', the Capital of :
Directions (next five questions) : Study the following table carefully and answer the questions that follow.
Chart showing schedule of train from Dadar to Bhuj and
number of passengers boarding from each station
Halt time
(in min)
Distance travelled
from origin
(in km)
No. of Passengers
baording the train
at each station
What is the distance travelled by the train from Surat to Nadiad Jn
Required distance = 440-257 = 183 km
How much time does the train take to reach Ahmedabad after departig from Anand Jn. (including the halt time)
Required time = 8.00 am - 6.45 am
= 1hour 15 min
What is the respective ratio between the number of passengers boarding from Vasai Road and from Ahmedabad in the train
Required ratio = 378:306=21:17
If half time (stopping time) of the train at Vadodara is decreased by 2 min and increased by 23 min at Ahmedabad. At what time will the train reach Bhuj
Required time = 5.40 pm-2min+23min
=5.40 pm+21 min
=6.01 pm
Distance between which two stations is second lowest
Directions (next five questions) : Study the table carefully to answer the questions that follow.
Maximum and minimum temperature (in degree Celsius)
recorded on 1st day of each month of five different cities
Temperature
Bhuj
Sydney
Ontario
Kabul
Beijing
1stSeptember
1st October
1st November
1st December
1st January
24
19
9
-4
14
21
8
2
-7
12
5
11
-5
-11
-1
3
-9
-13
15
4
-14
1
6
0
-19
34
37
45
31
20
23
30
36
-3
What is the difference betweem the maximum temperature of Ontario on 1st November and the minimum temperature of Bhuj on 1st January
Required difference = 4-(-7)=110C
In which month respectively the maximum temperature of Kabul is second highest and minimum temperature of Sydney is highest
In which month (on 1st day) is the difference between maximum temperature and minimum temperature of Bhuj second highest
What is the average maximum temperature of Beijing over all the months together
Required average temperature
= 12+9+15+2+5/5 = 8.60C
What is the respective ratio between the minimum temperature of Beijing on 1st September and the maximum temperature of Ontario on 1st October
Required ratio = 9:15 = 3:5
Directions (next five questions) : Study the pie-chart and table carefully to answer the questions that follow.
Pie-chart showing percentagewise
distribution of cars in four different states
Total cars = 700
Table showing ratio between diesel and petrol engine
cars which are distributed among four different states
Diesel
Engine
Cars
Petrol
What is the difference between the number of diesel engine cars in state-2 and the number of petrol engine cars in state-4
Required difference = 700×28/100×5/14-700×26/100×1/2
=70-91=21
Number of petrol engine cars in state-3 is what percent more than the number of diesel engine cars in state-1
Number of petrol engine cars in state-3
= 700×32/100×3/8=84
Number of diesel engine cars in state-1
700×14/100×3/7=42
Required percentage = 84-42/42×100 = 100%
If 25% of diesel engine cars in state-3 are AC and remaining cars are non-AC, what is the number of diesel engine cars in state-3 which are non-AC
Required difference = 700×32/100-700×28/100×9/14
=224-126=98
What is the difference between the total number of cars in state-3 and the number of petrol engine cars in state-2
What is the average number of petrol engine cars in all the states together
Number of petrol engine cars in state-1
=700×14/100×4/7=56
Number of petrol engine cars in state-2
=700×28/100×9/14=126
=700×32/100×3/8=84
Number of petrol engine cars in state-4
700×26/100×1/2=91
Required average = 56+126+84+91/4 = 89.25
A bag contains 7 blue balls and 5 yellow balls. If two balls are selected at random, what is the probability that none is yellow
Required probability = 7C2/12C2=7!/2!5!×10!2!/12!
7×6/2×2/12×11=7/22
A dice is thrown twice. What is the probability of getting a sum 7 from both the throws
If P Δ Q means P is mother of Q and P ϒ Q means P is father of Q, PδQ means P is brother of Q, and P ∝ Q means P is the sister of Q, then who is the son of Q in equation
R δ Q Δ S ∝ K ϒ L
What is the difference between the number of females who are non-graduates and the number of males who are graduates
Males = 240×2/3 = 160
Females = 240-160 = 80
Graduates males = 160×15/100 = 24
Non-graduates males = 160-24 = 136
Graduates females = 80×3/4 = 60
Non-graduates females = 80-60 = 20
Required difference = |20-24| = 4
What is the sum of the number of females who are graduates and the number of males who are non-graduates
Required sum = 60+136=196
What is the ratio between the total number of males and the number of females who are non-graduates
Required ratio = 160:20 = 8:1
Directions (next ten questions) : Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.
PASSAGE
Financial Inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business growth. The viability of FI business is under question, because while banks and their delivery partners continue to make investments, they haven’t seen commensurate returns. In markets like India, most programs are focused on customer on-boarding, an expensive process which people often find difficult to afford, involving issuance of smart cards to the customers. However, large scale customer acquisition hasn’t translated into large scale business, with many accounts lying dormant and therefore yielding no return on the bank’s investment. For the same reason, Business Correspondent Agents who constitute the primary channel for financial inclusion are unable to pursue their activity as a full-time job. One major reason for this state of events is that the customer on-boarding process is often delayed after the submission of documents (required to validate the details of the concerned applicant) by the applicant and might take as long as two weeks. By this time the initial enthusiasm of applicants fades away. Moreover, the delivery partners don’t have the knowledge and skill to propose anything other than the most basic financial products to the customer and hence do not serve their banks goal of expanding the offering in unbanked markets.
Contrary to popular perception, the inclusion segment is not a singular impoverished, undifferentiated mass and it is important to navigate its diversity to identify the right target customers for various programs. Rural markets do have their share of rich people who do not use banking services simply because they are inconvenient to access or have low perceived value. At the same time, urban markets, despite a high branch density, have multitude of low wage earners outside the financial net. Moreover, the branch timings of banks rarely coincide with the off-work hours of the labour class.
Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool. but banks also need to be innovative in right-sizing their proposition to convince customers that they can derive big value even from small amounts. One way of doing this is to show the target audience that a bank account is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of purchases. Once banks succeed in hooking customers with this value proposition they must sustain their interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other touch points, and adopting a banking mechanism which is not only secure but also reassuring to the customer. Technology is the most important element of financial inclusion strategy and an enabler of all others. The choice of technology is therefore a crucial decision, which could make or mar the agenda. Of the various selection criteria, cost is perhaps the most important. This certainly does not mean buying the cheapest package, but rather choosing that solution which by scaling transactions to huge volumes reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative means of expansion in the unbanked market.
Which of the following facts is true as per the passage
According to the passage, for which of the following reasons do the delivery partners fail to serve their bank's goal to expand in the unbanked markets
According to the passage, for which of the following reason is the viability of financial inclusion under question
In the passage, the author has specified which of the following characteristics of the customer on-boarding process
What did the author try to highlight in the passage
The ailing condition of financial inclusion business at present
Strategies that may help bank to expand in the unbanked market
Role of governement in modifying the existing financial inlcusion policies
According to the passage, which of the following ways may help banks to sustain the interest of their customers after hooking them
Adoption of a banking mechanism which is not only secure but reassuring to the customers
Increasing the number of delivery partners in rural market
Introuduction of a simple and intuitive user application
MULTITUDE
UBIQUITOUS
DORMANT
DELAYED
/(1)/(2) /3 (4)
Use "on" in place of "in"
The evolution of Bring Young Own Device (BYOD) trend has been as profound as it has been rapid. It represents the more visible sign that the boundaries between personal life and work life are blurring. The 9 am – 5 pm model of working solely from office has become archaic and increasingly people are working expected hours from a range of locations. At the very heart of this evolution is the ability to access enterprise networks from anywhere and anytime. The concept of cloud computing serves effectively to extend the office out of office. The much heralded benefit of BYOD is greater productivity. However, recent research has suggested that this is the greatest myth of BYOD and the reality is that BYOD in practice poses new challenges that may outweigh the benefits. A worldwide survey commissioned by Fortinet chose to look at attitudes towards BYOD and security from the user point of view instead of the IT managers . Specifically the survey was conducted in 15 territories on a group of graduate employees in their early twenties because they represent the first generation to enter the workplace with an expectation of own device use. Moreover, they also represent tomorrow’s influences and decision makers. The survey findings reveal that for financial organizations, the decision to embrace BYOD is extremely dangerous. Larger organizations will have mature IT strategies and policies in place. But what about smaller financial business ? They might not have such well developed strategies to protect confidential data.
Crucially, within younger employee group, 55% of the people share an expectation that they should be allowed to use their own devices in the workplace or for work purposes. With this expectation comes the very real risk that employees may consider contravening company policy banning the use of own devices. The threats posted by this level of subversion cannot be overstated. The survey casts doubt on the idea of BYOD leading to greater productivity by revealing the real reason people want to use their own devices. Only 26% of people in this age group cite efficiency as the reason they want to use their own devices, while 63% admit that the main reason is so they have access to their favourite applications. But with personal applications so close to hand, the risks to the business must surely include distraction and time wasting. To support wasting as the greatest threat to the organization, while 42% citing greater exposure to theft or loss of confidential data. Clearly, from a user perspective there is a great deal of contradiction surrounding BYOD and there exists an undercurrent of selfishness where users expect to use their own devices, but mostly for personal interest. They recognize the risks to the organization but are adamant that those risks are worth taking.
According to the passage, for which of the following reasons did Fortinet conduct the survey on a group of graduate employees in their early twenties
According to the 1st paragraph of the passage, Fortinct conducted the survey on a group of graduate employees in their earlier twenties as this group represents the future of decision makers and as this group represents the first generation to enter the workplace expecting that they can use their own devices for work purpose. Both have been mentioned in the statements (1) and (3) here.
Which of the following is not true about BYOD
According to the 1st paragraph of the passage it has been stated that the survey findings reveal that for financial organizations, the decision to embrace BYOD is extremely dangerous.
According to the passage, why would the decision to embrace BYOD prove dangerous to smaller financial business
According to the passage the decision to embrace BYOD would prove dangerous to smaller financial businesses because they may lack mature IT strategies and policies required to protect confidential data.
According to the passage, the expectation of younger employees that they should be allowed to use their own devices in the workplace, entails which of the following risks
According to the 1st paragraph of the passage, if the younger employees are allowed to use their own devices in the workplace, it entails the risk that the younger employees may consider fluting company policy prohibiting usage of their own devices in the workplace or for other purpose.
According to the findings of the survey conducted by Fortinet, why do majority of employees prefer using their own devices for work purpose
According to the passage, the survey conducted by Fortinet shows that majority of employees prefer their own devices for work purposes as they have access to their favourite applications while working.
What is/are the author's main objective(s) in writing the passage
the author’s main objective of the author in writing this passage is to break the myth that BYOD promotes employee efficiency and organization productivity and to throw light upon the fact that employees even after knowing the risks involved, prefer to use their own devices for work purpose mostly for personal benefits.
HERALDED
OUTWEIGH
EMBRACE
SUBVERSION
Directions (next five questions) : Read each sentence to find out whether there is any grammatical mistake/ error in it. The error if any, will be in one part of the sentence. Mark the number of that part with error as your answer. If there is ,No error, mark (5
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Directions (next five questions) : Each question below has two blanks, each blank indicating that something has been omitted. Choose the set of words for each blank that best fits the meaning of the sentence as a whole.
When you want to digitalise a city ............. with millions, you don't bet ............. the odds.
The numbers ............... by the legitimate online music service providers indicate that a growing number of users are .............. to buy music.
If India is ............ on protecting its resources, international business appears equality .......... to safeguard its profit
Brands ............ decision-simplicity strategies make full use of available information to ........... where consumers are on the path of decision making and direct them to the best market offers.
Lack of financing options, ............ with HR and technological ........... make small and medium enterprises sector the most vulnerable component of our economy.
Directions (next five questions) : Rearrange the following six sentence (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them.
The group desired to enhance the learning experience in schools with an interactive digital medium that could be used within and outside the class-room.
Then the teacher can act on the downloaded data rather than collect it from each and every student and thereby save his time and effort.
Edutor, decided the group of engineers, all alumni of the Indian Institute of technology, when they founded Edutor Technologies in August 2009.
They can even take tests and submit them digitally using the same tablets and the teachers in turn can download the same tablets and the teachers in turn can download the tests using the company's cloud services.
With this desire they created a solution that digitalizes school textbooks and other learning material so that students no longer need to carry as many books to school and back as before, but can access their study material on their touch-screen tablets.
A mechanic works on motors and an accountant has his computer. Likewise, if a student has to work on a machine or device, what should it be called ?
Which of the following sentences should be the FIRST after rearrangement
Which of the following setences should be the THIRD after rearrangement
Which of the following sentences should be the SIXTH (LAST) after rearrangement
Which of the following sentences should be the FOURTH after rearrangement
Directions (next ten questions) : 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/phrases are suggested, one of which fits the blank appropriately. Find out the appropriate word/phrase in each case.
There is a considerable amount of research about the factors that make a company innovate. So is it possible to create an environment ...(186)... to innovation ? This is a particularly pertinent ...(187)... for India today. Massive problems in health, education etc. ...(189)... creative and innovative solutions that can ensure radical change and ...(190)... There are several factors in India's ...(191)... Few countries have the rich diversity that India or its large, young population ...(192)... while these ...(193)... innovation policy interventions certain additional steps are also required. These include ...(194)... investment in research and development by ...(195)... the government and the private sector, easy transfer of technology from the academic world etc. To fulfill its promise of being prosperous and to be at the forefront, India must be innovative.
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(A) Consent
(B) Nascent
(C) Emerging
(D) Insecure
(A) Elated
(B) Eccentric
(C) Explicit
(D) Abnormal
(A) Abundance
(B) Incomparable
(C) Projection
(D) Plethora
(A) Purposefully
(B) Inaccurately
(C) Inadvertently
(D) Unchangeably
(A) Germane
(B) Generate
(C) Reliable
(D) Irrelevant
Directions (next five quetions) : In each of the questions each below which one of the five answer figures on the right should come after the problem figures on the left. If the sequence were continued
