What Indian politicians and bureaucrats share with their scientists, engineer and carpenter Counter part is their

acceptance of mediocrity and lack of skill. The greatest moral failure of Indian institution is the tolerance of incompetence (1) criminality or corruption. The tolerance of incompetence in (2) is a result of low cultural value attached to the creation and (3) of institutions. Institution building is hard work it requires a combination of vision, commitment and performance. Any institution involves a contract between those who (4) to the institution and those who support it the support can take the form of money or votes but that supports must be (5) continuously. In a properly functioning institutional system, the institutional contract (6) The institutional members and their supporters takes the form : you give me support and I will give u results . Competence is the channel that sustains the flow of trust from supporters to institution and back. If doctor dont cure will they not loose our trust? While blaming individual politicians and babus for their corrupt ways, let us also examine the system that accepts the mediocrity and even lets it (7). What we are seeing in India is a case of contract failure .The Contractor who bribes an official and then builds an leaky Stadium is not just being (8). He is sustaining a collusive system that subverts rules regulating mutual cooperation between Govt. institution, market player and society as a whole. In case of endemic contract failure everyone (9) including the contractor, for once the public loses its trust in institution even businessmen will (10) out an opportunity to make money. The Moral status of institution is central to continued development and prosperity. 1) 1) as 3) never 5) For 1) Turn 3) World 5)Importance 2) to 4) Not

2)

2) Individual 4) Partly

3)

1) Destruction 3) Sustenance 5) Marginalization 1)Belong 3) Help 5)Trust 1) Returned 3) Immature

2) Justification 4)Excess

4)

2) Work 4) Employed

5)

2)Earned 4)Corrupt

5) Generous

6)

1) Suggest 3) twosome 5) Between 1)Question 3) thrive 5) Kill 1) Variant 3) never 5) For 1) Succeeds 3) Proliferates 5) Encompasses 1) Storm 3) Lose 5)Walk

2) Akin 4) Centered

7)

2)Bolder 4) out

8)

2)trivial 4) Not

9)

2) Suffer 4)Responsible

10)

2)Venture 4) Get

Direction( 11-15): Rearrange the following five sentences( A , B , C , D , E )in the proper sequence to form a paragraph then answer the question given below: A) Thus, if we really value it, we will work hard to make it a reality. B) Inner Peace is the most elusive thing that a human being can seek. C) The most important Criterion in the order top experience it to value the importance of inner peace. D)To Experience inner peace one doesn't have to retreat to a Himalayan cave rather one can experience inner peace seated exactly where they are by watching these thought. E) No Body can gift the other inner peace at the same time it is only ones own thought that can rob them of their inner peace. 11) which of the following should be the FIFTH sentence after rearrangement ? 1) A 3) C 5) E 2) B 4) D

12) which of the following should be the FOURTH sentence after rearrangement ?

1)E

2) D

3) C 4)B 5) A 13)which of the following should be the SECOND sentence after rearrangement ?1) E 2) D 3) C 4)B 5)A 14)which of the following should be the FIRST sentence after rearrangement ? 1) A 2) B 3) C 4) D 5) E 15)which of the following should be the THIRD sentence after rearrangement ? 1) A 2) B

3) C 4) D 5) E Direction( 16-20): Each Question below has two Blanks, Each Blank indicating that something has been omitted. Choose the set of Words for Each Blank which best fits the meaning of the sentence as a whole. 16) After --------------- Payrolls and tightening perks to cope with the economic slowdown last year,software companies are finding that a rising no of Engineering and management graduates are transferring their ----------- to vocational such as manufacturing and banking. 1) Trimming - Loyalties 2)Reducing - Accounts 3)Hiking - services 4) Increased - Affections 5)Dropped - Potential 17) It is very Important -------- that when ever the swine flue virus enters a human body ,it takes a minimum of one day to maximum of eight days for the disease to develop ------1) Gauge -Extensively 2)ascertain - Accounts 3)Understand -Fully

4) Verify - Remarkable 5)Fathom- Clearly 18)Scientist working to save the earth, have ------- dry water that soaks carbon three times better than water and hence helps ------- global warming. 1) Aided - Cut 2) Created - Combat 3) Built - Stop 4) Produced - increase 5)Invented - Monitoring 19) The First Round of the Contest had the students --------- themselves and ----about their hobbies. 1) Introducing - Talking 2) Sensitizing - Sketching 3)Showcasing - Planning 4)Acclimatizing - Mentioning 5)Gearing - Chalking 20) The Varsity Pool Process for -------- of New Candidates has --------- Poor Response with only ten Thousand applications being received till date. 1) Entrusting - Seen 2)Registration - Evoked 3)Entrance - Made 4)Admission - Visited 5)Experimenting - Generated

Direction(21-23): Choose the word/group of words which is most similar in meaning to the word/group of words printed in bold as used in the passage. 21) INHABIT 1)Reside in 2)Encompass 3)Infest 4)Submerge 5)are used to 22) FORAGING

1)Penetrating 2)Incising 3)Probing 4)Begging 5)Searching 23) MONETIZE 1)Currency 2)Buy 3)encash 4)Regulate 5)Pay Direction(24-25): Choose the word/group of words which is most opposite in meaning to the word/group of words printed in bold as used in the passage.

24) CONSIDERING 1)untying 2)remembering 3)understanding 4)disregarding 5)condeming 25) HAZARDOUS 1)pleasant 2)efficient 3)important 4)risky 5)harmless Answers 1) 2) 3) 4) 5) 6) 7) 2 1 3 1 2 5 3 11) 12) 13) 14) 15) 16) 17) 1 3 2 1 2 1 5

8) 4 9) 2 10) 3

18) 3 19) 4 20) 5

1) 5083 + 25% of ? +289 = 6385.5 a)4044 b)4054 c)4154 d)4104 e)None of these 2) 383/ 25 *2.5 + 12 = ? a)50.30 b)222.14 c)68.30 d)124.24 e)None of these 3) 4.5% of 800 / 0.5% of 640 = ? a)11.75 b)12 c)112.05 d)11.25 e)None of these 4) Cube Root of 12167 * Square root of ? =621 a)841 b)27 c)625 d)29 e)None of these 5) 5967 - 2437 - 1910 / ? = 27 a)841 b)27 c)625 d)29 e)None of these Direction(6-10) what should come in place of the question mark(?) in the following question 6) 50 60 75 97.5 ? 184.275 267.19875 a)120.50 b)130.50 c)131.625 d)124.25 e)None of these 7) 12 15 36 ? 480 2415 14508 a)115 b)109 c)117 d)75 e)None of these

8) 1 2 6 21 88 445 a)2230 b)2676 c)2580 d)2670 e)None of these 9) 20 21 25 34 50 ? 111 a)70 b)65 c)60 d)4104 e)None of these 10) 600 125 30 ? 7.2 6.44 6.288 a)6 b)10 c)15 d)12 e)None of these Direction(11-13) Study the following Information carefully and answer the following questions Mr Z earns an annual income of rs 12.75 lakh.Every month he saves 20% of his monthly income.15 % of the remaining amount of this monthly income he spends in paying his loan installment.he spends 24% of his monthly income in paying various bills and spends 42% of his monthly income on various other household expenses. The remaining amount of his monthly income he sends to his family 11) what is the total of monthly amount Mr Z sends to his family and the monthly amount he spends on various household expenses ? a) Rs 46,750 b) Rs 48,000 c) Rs 45,500 d) Rs46,000 e)None of these 12) what is the amount Mr Z spends annually in paying his loan installment ? a) Rs 46,750 b) Rs 48,000 c) Rs 45,500 d) Rs46,000 e)None of these 13) The monthly amount Mr Z sends to his family forms what percent of his monthly saving ? a) 5 b)8 c) 15 d)10 e)None of these 14) In how many different ways can the letter of the word " PEANUT " be arranged ? a) 720 b)360

c) 650 d)700 e)None of these 15 The Speed of a car is 1.5 times the speed of bus.If the car travels at the speed of 60 km/hr. What will be the difference in the time taken by the bus and the time taken by the bus and the time taken by the car to Cover 72 Kms ? a) 5 Hours b) 6 Hours c) 4 Hours d) 8 Hours e) None of these Direction(16-20) what should come in place of the question mark(?) in the following question. 16) 3.5* 1.35 * 4.5 / 0.5 = ? a) 35 b) 20 c) 40 d)50 e) 55 17) (128.4 + 11.101 + 35.025) / ? = ? a) 35 b) 20 c) 40 d)50 e) 55 18) 572 / Sq Root. 1755 *12 = ? a) 150 b) 170 c) 155 d)165 e) 175 19) Sq Root.of 925 / cube root of 350 = ? a) 4 b) 8 c)12 d)15 e) 6 20) 12.36 * 4.26 + 13.38 = ? a)72 b) 66 c)58 d)52 e) 80 Answer 1) b 2) a 3) d 4) e

11) 12) 13) 14)

e e d a

5) a 6) c 7) c 8) b 9) d 10) e

15) b 16) c 17) d 18) d 19) a 20) b

2) Four of the Following five are alike in a certain way and hence form a group.Which one does not belong to the group? 1)Block 2)Hamper 3)Impede 4)Avoid 5)Obstruct 3) Point P is 11 Km towards the east of point Q.A man Starts from Point Q and Travels 9 km to wards the west.He then takes a left turn and travels 4 km.He finally takes a left turn and travel;s 20 km before stopping.How far and towards which direction must he travels in order to reach point p? 1) 11 Km to wards South 2) 4 Km to wards North 3) 24 Km to wards South 4) 9 Km to wards North 5) None of these 4) What will come in place of ?in the following series? AC DG HL MR ? 1)SY 2)TZ 3)RX 4)SX 5)SZ 5) Sink is related to 'Float' in the same way as 'Destroy' is related to --------1)Enemy 2)Demolish 3)Alive 4)Peace 5)Create 6) In Each Alphabet in the Word ABSOLUTE is arranged in the alphabet order (From left to Right ) and then each Vowel is Changed to the next letter in the English alphabet

series and each consonant is changed o the previous letter in English alphabet series,which of the following will be sixth from the left side of the new arrangement thus formed ? 1)F 2)R 3)V 4)S 5)K 7) How many such pair of letters are in the Word SAMPLE,each of which has as many letters between them in the word ( in Both forward and Backward direction ) as they have between them in the English alphabet series ? 1)None 2)One 3)Two 4)Three 5)More than Three 8) If Each odd digit in he number 813246 is multliplied byb three and each digit is divided by two.What will be the difference between the digits which are third from the left and third from the right of the new no thus formed ? 1)1 2)2 3)3 4)7 5)8 Direction (9-11) : Four friends Amrita , Deepa , Smita and Rhea complete their PhD Degree in different no of Years.The one who took Max time took eight Years to Complete her PhD while the one who took the least time took only three years to complete it, Rhea took more time only than Amrita and Complete her PhD in five years.Smita did not take longer time than Deepa to complete her PhD ? 9) How many years did Amrita take to Complete her PhD ? 1) 8 2) 3 3) 4 4) Either 6 or 7 5)Cannot be Determined 10) How many years did Smita take to Complete her PhD ? 1) 8 2) 3

3) 4 4) 7 5)Cannot be Determined 11) Who amongst the following took the Maximum no of Years to Complete her PhD ? 1) Amrita 2) Rhea 3) Smita 4) Deepa 5) Cannot be Determined Direction(12-16): Study the following arrangement carefully and answer the question ? 949232595858543181747652126132462 12) How many Such 5s are there in the above arrangement each of which is immediately preceded by an even digit and also immediately followed by an even no ? 1) None 2) One 3) Two 4) Three 5) More than Three 13) The Position of how many digits wll remain the same if the digit given in Bold in the above arrangement in the ascending order from left to Right ? 1) None 2) One 3) Two 4) Three 5) More than Three 14) Which of the Following is Fifth to the left of the twentieth digit from the left end of the above arrangement? 1) 3 2) 5 3) 2 4) 7 5) None of these 15) How many Such 2s are there in the above arrangement each of which is immediately preceded by a Perfect Square( 1 is also a perfect square ) ? 1) None

2) 3) 4) 5)

One Two Three More than Three

16) If all the even Digits are Deleted from the Above Arrangement , Which of the Following will be Ninth From the Right End of the Arrangement ? 1) 9 2) 5 3) 1 4) 3 5) 7 Direction( 17 - 20 ): In Each question Below are three statement Followed by two Conclusion numbered I and II. You have to take the three given statements are to be true even if they seem to be at Variance from Commonly Known Facts and then decided which of the given Conclusions Logically Follows From the Three Statement disregarding Commonly Facts. Give Answer (1) if only Conclusion I follows Give Answer (2) if only Conclusion II follows Give Answer (3) if Either Conclusion I or II follows Give Answer (4) if Neither Conclusion I nor II follows Give Answer (5) if both Conclusion I and II follows 17) Statements : All Shoes are beaches.Some beaches are Coasts.All banks are Coasts. Conclusions : I.. Some Banks are beaches II.. No bank is a shore 18) Statements : Some Parties are Celebrations. All Celebrations are Occasion.No Occasion are Festival. Conclusions :

I) No Celebration is a festival.. II).Some Occasions are Parties. 19) Statements : Some Sports are Games. All Olympics are Games.No Plays are Olympics. Conclusions : I) Some Games are not Plays II) Some Sports are Plays 20) Statements : Some Elections are Polls.All Polls are Results.All Results are Wins. Conclusions : I) Some Wins are Elections II) All Polls are Wins.

Answers 1) 4 2) 4 3) 2 4) 1 5) 5 6) 2 7) 3 8) 5 9) 2 10) 5 11) 12) 13) 14) 15) 16) 17) 18) 19) 20) 4 4 2 1 3 4 4 5 4 5

2) Which bank in India performs the duties of Central Bank ? 1) Central Bank of India 2) State Bank of India 3) Reserve Bank of India 4) Above (a) and (c) 3) RBI was Nationalized in 1)1959 2)1947 3)1945 4)1949 4) One Rupee note in India is Signed by 1) RBI Governor

2) Union Finance Minister 3) Secretary , Finance Ministry 4) Secretary , Commerce Ministry 5) The Headquarters of Asian Development Bank(ADB) is at 1) Singapore 2) Manila 3) Hong Kong 4)Tokoyo 6) Cheque which is crossed can be encashed only 1) Through Reserve Bank of India 2) Through the Payee 3) Through any Bank 4)None of these 7) The Head quarter of RBI is in 1) Delhi 2) Kanpur 3) Mumbai 4) Nasik 8) The Nationalization of 14 Major commercial bank took place 1) 1947 2) 1956 3) 1969 4) 1980 9) Which of the Following Statement is True ? 1) Banks Cannot Accept demand and time deposit from public. 2) Banks Can accept only demand deposits from public 3) Banks Can accept only Time deposits from public 4)Banks Can accept demand and time deposits only from Govt. 10) Which of the Following Statement is Correct Statement ? 1) State Bank of India is the sole Authority to issue and manage currency in India 2) A nationalized bank is the sole Authority to issue and manage currency in India 3) A Cooperative Bank is the sole Authority to issue and manage currency in India 4) RBI is the sole Authority to issue and manage currency in India 5) None of These 11) Interest payable on Saving Bank accounts is 1) not regulated by RBI

2) 3) 4) 5)

regulated regulated regulated regulated

by by by by

State Govt. Central Govt RBI Finance Minister

12) The Usual deposit account of bank are 1) Current account , Electricity account and Insurance Premium Account. 2) Current account , Post Office Saving Bank accounts and term deposit accounts. 3) Loan accounts , Saving bank accounts and term deposit accounts. 4) Current accounts , Savings bank accounts and term deposit account. 5) Current Bill accounts and term deposit account. 13) Fixed Deposits and recurring deposits are 1) Repayable after an agreed period 2) Repayable on demand 3) not Repayable 4) Repayable after death of depositors 5) Repayable on demand or after an agreed period as per bank choice 14) Accounts are allowed to be operated by cheques in respect of 1) Both Savings bank account and fixed deposit account. 2) Savings bank account and current accounts. 3) Both Savings bank account and Loan account. 4) Both Savings bank account and Cash account 5) Both current accounts and fixed deposit account. 15) Mortgage is a ------1) Security on movable property for a loan given by the bank. 2) Security on immovable property for a loan given by the bank. 3)Concession on immovable property for a loan given by the bank. 4) Facility on immovable property for a loan given by the bank. 5) Security on immovable property for a deposit received by a bank. 16) Banks in our Country normally publicise that additional interest rate is allowed on retail domestic term deposit of 1) Minors 2) Married Women 3) Senior Citizens 4) Govt. Employees. 5) Rural residents 17) Which of the following is the cross selling by banks ? a) Sale of Debit Card to a Credit Card holder

b) Sale of Insurance Policy to a Depositor c) Issuance of Cash against cheque presented by the third party 1) 2) 3) 4) 5) Only 1 Only 2 Only 3 Both 1 & 3 All 1, 2 & 3

18) When a bank returns a cheque unpaid, it is called 1) Payment of the cheque 2) Drawing of the cheque 3) Cancelling of the cheque 4) Dishonor of the cheque 5) Taking of the cheque 19) Which of the following type of account are known as the 'Demat' Account' ? 1) Accounts which are zero balance account. 2) Account which are opened to facilitate repayment of a loan taken from the bank.No other business can be conducted from there. 3) Accounts in which shares of various companies are traded in electronic form. 4) Accounts which are operated through internet banking facility. 5) None of these. 20 ) NEFT means 1) National electronic funds transfer system 2) Negotiated efficient fund transfer solution. 3) National efficient fund transfer system. 4) Non effective fund transfer system 5) Negotiated electronic foreign transfer system. 21) Interest on savings bank account is now calculated by banks on 1) Minimum balance during the month. 2) Minimum balance from 7th to last day of month. 3) Minimum balance from 10th to last day of month. 4) Minimum balance during the month. 5) Daily product basis Answers 1) 4 2) 3 3) 4 11) 4 12) 4 13) 2 21) 5

4) 3 5) 2 6) 3 7) 3 8) 3 9) 2 10) 4

14) 15) 16) 17) 18) 19) 20)

2 2 3 2 4 3 1