bankinterview: June 2016

Thursday 30 June 2016

for written exam of SBIPO/IBPS PO/IBPSCLERK/RRB PO/RRB ASSISTANT

Good Morning

Dear Candidates,

:

out of today's study time, Must spend one hour for this section.

Out of this one hour ,Spend 15 min for :

visit following very useful website,:

http://bankinterview.in/

on home page you will link for 600 important questions on banking/financial aspects. click that

last year in all banking exam most questions came out of these questions only.

you must cram min 15 Questions out of these 600 QA today.

Spend 30 min :

read any current affair magazine

Spend 15 min:

Learn following :

1.Which country's development bank will provide a loan of Rs. 3750 for Nagpur Metro?
Ans:Germany
2.Which institute has topped in the engineering college list, Management institute list and in Pharmacy institute list respectively?
Ans: IIT Madras, IIM Bangalore and Manipal College of Pharmaceutical Sciences
3.Who won the Paris Marathon 2016?
Ans:Visiline Jepkesho (women) and Cyprian Kotut (men)
4.National Maritime Day of India to commemorate the sailing of India’s first steamship Loyalty on 1919 from Mumbai to London on which date?
Ans:5th April
5.What is the name of the India's 1st cash giving app?
Ans:‘CASHe’
6.Name the India's fastest train which is flagged off by Railway minister Suresh Prabhu on 5th April 2016?
Ans: "Gatiman Express"
7.Recently Aadhaar enrollments hits how much?
Ans:Over 100 crore people, including 93% of the adult population
8.Internal security chief Tran Dai Quang was sworn as the new president of which country?
Ans:Vietnam
9.World's first sanctuary for White Tigers has opened in which state of India?
Ans:Madhya Pradesh
10.Who is the Chairman of Pakistan Cricket Board (PCB)?
Ans:Shaharyar Khan

CEO & MD Of Public Sector Banks & Private Sector Banks (S/SHRI)
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
1. State Bank of India–Smt Arundhati Bhattacharya
2. Allahabad Bank–Rakesh Sethi
3. Andhra Bank–C.V.R. Rajendran
4. Bank of Baroda–P.S. Jayakumar
5. Bank of India–M.O. Rego
6. Bank of Maharashtra–Sushil Muhnot
7. Bharatiya Mahila Bank–Vacant
8. Canara Bank–Rakesh Sharma
9. Central Bank of India–Rajeev Rishi
10. Corporation Bank–Sadhuram Bansal
11. Dena Bank–Ashwani Kumar
12. IDBI Bank Ltd–Kishore Piraji Kharat
13. Indian Bank–T. M. Bhasin
14. Indian Overseas Bank–R Koteeswaram
15. Oriental Bank of Commerce–Animesh Chauhan
16. Punjab And Sind Bank–Jatinder Bir Singh
17. Punjab National Bank–Usha Ananthasubramanian
18. Syndicate Bank–Arun Shrivastava
19. UCO Bank–
20. Union Bank of India–Arun Tiwari
21. United Bank of India–P Srinivas
22. Vijaya Bank–Kishore Kumar Sansi
23. Axis Bank–Smt. Shikha Sharma
24. Catholic Syrian Bank–Anand Krishnamurthy
25. City Union Bank–Dr. N. Kamakodi
26. Development Credit Bank–Murali M. Natrajan
27. Dhanalakshmi Bank–G. Sreeram
28. Federal Bank–Shyam Srinivasan
29. HDFC Bank–Aditya Puri
30. ICICI Bank–Smt Chanda Kochar
31. IndusInd Bank–Romesh Sobti
32. ING Vysya Bank–Uday Sareen
33. Jammu & Kashmir Bank–Mushtaq Ahmad
34. Karnataka Bank–Polali Jayarama Bhat
35. Karur Vysya Bank–K. Venkataraman
36. Kotak Mahindra Bank–Uday Kotak
37. Lakshmi Vilas Bank–Vacant
38. Nainital Bank–Vacant
39. Ratnakar Bank–Vishwavir Ahuja
40. South Indian Bank–V.G. Mathew
41. Tamilnad Mercantile Bank–H.S. Upendra Kamath
42. Yes Bank’s Ltd–Rana Kapoor.

Anil Aggarwal

Owner & Manager at Anil Aggarwal Coaching

(A proprietorship concern for IBPS exam guidance and Bank Interview preparation)

Mobile: +91 9811340788

E-mail ID: anilakshita@yahoo.co.in

expertanil@ymail.com

Office: Flat #49, Trilok Apartments, Patparganj, I.P. Extension, Delhi-110092.

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IMPORTANT QUESTIONS FOR S.B.I. P.O. MAIN:

Q. What is the nature of the scheme( PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA)
A:The scheme will be a one year cover Term Life Insurance Scheme, renewable from year to year, offering life insurance cover for death due to any reason.
2. What would be the benefits under the scheme and premium payable?
A:Rs.2 lakhs is payable on a subscriber’s death due to any reason. The premium payable is Rs.330/- per annum per subscriber.
Q. How will the premium be paid?
A:The premium will be deducted from the account holder’s savings bank account through ‘auto debit’ facility in one installment, as per the option to be given on enrolment.
Members may also give one-time mandate for auto-debit every year till the scheme is in force, subject to re-calibration that may be deemed necessary on review of experience of the scheme from year to year.
4. Who will offer / administer the scheme?
A:The scheme would be offered / administered through LIC and other Life Insurance companies willing to offer the product with necessary approvals on similar terms, in collaboration with participating Banks. Participating banks will be free to engage any
such life insurance company for implementing the scheme for their subscribers.
Q. Who will be eligible to subscribe?
A:All savings bank account holders in the age 18 to 50 years in participating banks will be entitled to join. In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings
bank account only.
Q. What is the enrolment period and modality?
A:Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enroll and give their auto-debit option by 31st May 2015, extendable up to 31st August 2015. Enrolment subsequent to this date will be possible prospectively on
payment of full annual payment and submission of a self-certificate of good health.
Subscribers who wish to continue beyond the first year will be expected to give their consent for auto-debit before each successive May 31st for successive years. Delayed renewal subsequent to this date will be possible on payment of full annual premium and submission of a self-certificate of good health.
Q. Can eligible individuals who fail to join the scheme in the initial year join in subsequent years?
A:Yes, on payment of premium through auto-debit and submission of a self-certificate of good health. New eligible entrants in future years can also join accordingly.
Q. Can individuals who leave the scheme rejoin?
A:Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium and submitting a self declaration of good health.
Q. Who would be the Master policy holder for the scheme?
A:Participating Banks will be the Master policy holders. A simple and subscriber friendly administration & claim settlement process shall be finalized by LIC / chosen insurance company in consultation with the participating bank.
Q1. When can the assurance on life of the member terminate?
A:The assurance on the life of the member shall terminate / be restricted accordingly on any of the following events:
i. On attaining age 55 years (age near birth day), subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years).
ii. Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
iii. In case a member is covered through more than one account and premium is received by LIC / insurance company inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Q. What will be the role of the insurance company and the Bank?
A:
i. The scheme will be administered by LIC or any other Life Insurance company which is willing to offer such a product in partnership with a bank / banks.
ii. It will be the responsibility of the participating bank to recover the appropriate annual premium in one installment, as per the option, from the account holders on or before the due date through ‘auto-debit’ process and transfer the amount due to the insurance company.
iii. Enrollment form / Auto-debit authorization / Consent cum Declaration form in the prescribed proforma, as required, shall be obtained and retained by the participating bank. In case of claim, LIC / insurance company may seek submission of the same. LIC / Insurance Company also reserve the right to call for these documents at any point of time.
Q. How would the premium be appropriated?
A: a. Insurance Premium to LIC /other insurance company: Rs.289/- per annum per member;
b. Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.30/- per annum per member;
c. Reimbursement of Administrative expenses to participating Bank: Rs.11/- per annum per member.
Q. Will this cover be in addition to cover under any other insurance scheme the subscriber may be covered under?
A:Yes.

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To know details you may contact : Mr ANIL AGGARWAL 9811340788, 011-22242640.( Between 11 A.M. and 8 P.M.)

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Candidates across ALL INDIA Can avail this facility.
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Wednesday 29 June 2016

96 Important general knowledge questions

1. Current president of Pakistan?
Ans. Mamnoon Hussain.

2. 2016 Australian open women's double winner?
Ans. sania Mirza and Martina Hingis.

3. World heritage day?
Ans. 18 April

4. Deepika Karmakar is associated with which sport?
Ans. Gymnastic

5. Which PM has hoisted Indian Flag on Red Fort for maximum times?
Ans. Jawahar Lal Nehru.

6. "To kill a mocking word" book was written by?
Ans. Harper Lee.

7. Delhi's only women ruler?
Ans. Razia Sultan.

8. The great Grand Old lady of bollywood who died in 2014?
Ans. Zohra sehgal

9. Atmospheric pressure measured by which instrument?
Ans. Barometer

10. World's most energy efficient city?
Ans. Reykjavik, Iceland

11. Golden Pagoda Temple of Buddhist is located at?
Ans. Myanmar.

12. Funtion of hydro power plant?
Ans. To convert kinetic energy into electrical energy

13. Which dynasty came after Mouryan dynasty?
Ans. Sunga dynasty

14. Famous temple of buddha in Indonesia?
Ans. Borobudur.

15. 1987 Australian world cup winner team captain?
Ans. Allan Border

16. Which is referred as 'black gold'?
Ans. Coal.

17. BARC director?
Ans. Sekhar basu

18. Prime content(element) of diamond?
Ans. Carbon

19. Hottest planet in solar system?
Ans. Venus

20. What does vinegar contains?
Ans. Acetic Aid.

21. Which is the only planet in Solar system which doesn't get it's name from Greek God?
Ans. Earth.

22. Current CM of Arunachal Pradesh?
Ans. Kalikho Pul.

23. Measles caused by?
Ans. Rubeola.

24. Father of modern chemistry?
Ans. Antoine Lavoiser.

25. Heart of Asia conference venue in 2015?
Ans. Islamabad, Pakistan

26. Physics nobel prize 2015 winner?
Ans. Takaaki Kajita and Arthur McDonald

27. CFC's full form?
Ans. Chlorofluorocarbons.

28. Abhishek verma belongs to sport?
Ans. Archery

29. Osama Bin Laden killed at which place?
Ans. Abottabad, Pakistan.

30. Pace Maker is related to which human organ?
Ans. Heart

31. TIMEs person of year 2015?
Ans. Angela Merkel.

32. Vidyapthi, the famous poet was famous in which language?
Ans. Maithili.

33. Founder of Pala Dynasty?
Ans. King Gopala

34. First Night Cricket Test was played between?
Ans. Australia vs New Zeland.

35. Muslim League was formed in which year?
Ans. 1906.

36. Medicine to cure malaria is obtained from?
Ans. Cinchona Tree.

37. The particle having no charge at all in atom?
Ans. Neutrino

38. First Hindi Newspaper of India?
Ans. Udant Martand (The Rising Sun).

39. The 'Niagara Falls' of India?
Ans. Chitrakote Falls.

40. Nathu La pass is located at?
Ans. Gangtok, Sikkim.

41. Chinese Grand Prix 2015 winner?
Ans. Lewis Hamilton.

42. Deoxygenated blood is carried by?
Ans. Veins

43. Which was the 1st web browser in the world?
Ans. Mosaic

44. What is the Alt + enter – shortcut for?
Ans. Inserting Linebreak/ Feeding a line

45. Who was the advocate of India-Bangladesh partition?
Ans. Sir Cyril Radcliffe

46. Indrayani river originates from?
Ans. Lonavala.

47. Name the Architect of Delhi?
Ans. Edwin Lutyens

48. Who built China Wall?
Ans. Qin Shi Huang

49. Commissioner of Delhi Police before Bhim Sain Bassi?
Ans. Neeraj Kumar

50. Martin Crowe who recently passed away was from which country?
Ans. New Zealand

51. What is quick silver?
Ans. Mercury

52. Name the rays which is used to scan luggage at airport?
Ans. X Rays

53. Who invented Band-Aid?
Ans. Earle Dickson

54. Who Invented bifocal lens?
Ans. Benjamin Franklin

55. Name the process of heating the glass and then cooling it slowly?
Ans. Annealing

56.Koyna dam in which state?
Ans. Maharashtra.

57. Scientist which retuned after 340 days from space?
Ans. Scott Kelly.

58. World Ozone day?
Ans. 16 September

59. Who was the Nepal PM in 2015?
Ans. Sushil Koirala

60. Name the planets similar to earth?
Ans. Kepler 438 B and Kepler 442 B

61. Where is Milk of Magnesia used?
Ans. Antacid.

62. How many people walked the moon till now?
Ans. 12.

63. Valley of Flower national park is located in which state?
Ans. Uttarakhand.

64. Current FIFA chairman?
Ans. Gianni Infantino.

65. Hawa Mahal was built by which ruler?
Ans. Sawai Maharaja Pratap Singh.

66. Mobile phone inventor?
Ans. Martin Cooper.

IMPORTANT QUESTIONS FOR S.B.I. P.O. MAIN:

Q:What is APB?
A:Aadhaar Payments Bridge (APB) is a Payments system, where payments can be made to targeted Residents using Aadhaar as the Financial Address instead of Bank Account number.
Q:What is the pre-requisite to initiate payment through APB?
A:There are three primary requirements before a payment can be made successfully using APB:
The Resident’s Aadhaar to be linked with the Bank Account;
Aadhaar to be linked in the database of the paying agency, such as a Government Welfare Scheme;
The Paying agency to be registered on APB and get an APB Registration ID.
Q:What is AePS?
A:AePS (Aadhaar Enabled Payments System) is a payment service offered by the National Payments Corporation of India (NPCI) to banks, financial institutions using ‘Aadhaar’ number and online UIDAI authentication through their respective Business correspondent service Centers / Bank Mitras.
Q:Does the Resident need to have a bank account for availing AEPS?
A:Yes, the customer needs to have a bank account linked to his/ her Aadhaar with the bank offering the AEPS service.
Q:What is Aadhaar Seeding?
A:Aadhaar Seeding is the process of linking the Aadhaar in various beneficiary databases. Examples include linking of Aadhaar to the Bank Accounts, to Pension ID for Pensioners and to Job Card Number of NREGS Wage Seekers, etc.
Q:Can a Resident link the Aadhaar to more than one account within a bank?
A:Yes. However the bank shall keep only one of the accounts as primary account which would receive all AEPS transactions.
Q:Can a Resident link the Aadhaar to more than one Account in different Banks?
A:Yes. However, the Account that has been Seeded last backed with a mandate to the bank to receive payments – will be active for receiving payments through APB.
Q:What is the e-KYC service?
A:UIDAI offers the e-KYC service, which enables a resident having an Aadhaar number to share their demographic information and photograph with a UIDAI partner organization in an online, secure, auditable manner with the residents consent. The consent by the resident can be given via a Biometric authentication or an One Time Password (OTP) authentication.
Q:What information is shared in the e-KYC service?
A:The Aadhaar holders demographic information i.e Name, Address, Date of Birth, Gender, Phone & Email (where available) & Photograph which is currently available with the resident is shared via the e-KYC service.
Q:Who can use the e-KYC service?
A:The e-KYC service is envisaged as a public benefit service. Any organization, authorized and approved by UIDAI to use this service can deploy the e-KYC service to serve its business interest. UIDAI envisages, initially organisations such as Banks, Telecom, Financial Services etc who have a regulatory compliance to perform a KYC function will be the front runners in leveraging this service.
Q: What is the process to start using the e-KYC service?
A:Organizations interested in using the e-KYC service, will need to get approved and authorized by UIDAI to use this service.
Q:What are the key features of the e-KYC service?
A:Some of the key features of the e-KYC service are:
Paperless: The service is fully electronic, enabling elimination of KYC document management
Consent based: Data is shared by the resident consent through Aadhaar authentication, thus protecting resident privacy.
Secure and compliant with the IT Act: Data transfer are secured through the use of encryption and digital signature as per the Information Technology Act, 2000 making e-KYC document legally equivalent to paper documents.
Non-repudiable: The use of resident authentication for authorization, the affixing of a digital signature by the service provider originating the e-KYC request, and the affixing of a digital signature by UIDAI when providing the e-KYC data makes the entire transaction non-repudiable by all parties involved.
Instantaneous: The service is fully automated, and KYC data is furnished in real-time, without any manual intervention
Regulator friendly: The service providers can provide a portal to the Ministry/Regulator for auditing all e-KYC requests.
Q:What is the regulatory stance on the e-KYC service?
A:RBI, IRDA, PFRDA & SEBI have accepted UIDAI’s e-KYC service as a valid KYC.

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Monday 27 June 2016

IMPORTANT QUESTIONS FOR S.B.I. P.O. MAIN:

Q. What are the salient features of the Senior Citizens Savings Scheme, 2004?
A:The salient features of the Senior Citizens Savings Scheme, 2004 are given below.
Tenure of the deposit account:5 years, which can be extended by 3 years.
Rate of interest:8.6 per cent per annum
Frequency of computing interest:Quarterly
Taxability:Interest is fully taxable.
Whether TDS is applicable:Yes. Tax will be deducted at source.
Investment to be in multiples of:`1000/-
Maximum investment limit:` 15 lakh
Minimum eligible age for investment:60 years (55 years for those who have retired on superannuation or under a voluntary or special voluntary scheme). The retired personnel of Defence Services (excluding Civilian Defence Employees) will be eligible to invest irrespective of the age limits subject to the fulfillment of other specified conditions
Premature closure/withdrawal facility:Permitted after one year of opening the account but with penalty.
Transferability:Not transferable
Tradability:Not tradable
Nomination facility:Nomination facility is available.
Modes of holding:Accounts can be held both in single and joint holding modes. Joint holding is allowed only with spouse.
Application forms available with Post Offices and designated branches of 24 Nationalised banks and one private sector bank
Applicability to NRI, PIO and HUFs Non Resident Indians (NRIs), Persons of Indian Origin (PIO) and Hindu Undivided Family (HUF) are not eligible to open an account under the Scheme.
Transfer from one deposit office to another
Transfer of account from one deposit office to another is permitted.
Q. Can a joint account be opened under the scheme with any person?
A:Joint account under the SCSS, 2004 can be opened only with the spouse.
Q. What should be the age of the spouse in case of a joint account?
A:In case of a joint account, the age of the first applicant / depositor is the only factor to decide the eligibility to invest under the scheme. There is no age bar/limit for the second applicant / joint holder (i.e. spouse).
Q. What will be the share of the joint account holder in the deposit in an account?
A:The whole amount of investment in an account under the scheme is attributed to the first applicant / depositor only. As such, the question of any share of the second applicant / joint account holder (i.e. spouse) in the deposit account does not arise.
Q. Whether both the spouses can open separate accounts in their individual capacity with separate limit of Rs.15 lakh for each of them?
A:Both the spouses can open individual and / or joint accounts with each other with the maximum deposits up to Rs.15 lakh each, provided both are individually eligible to invest under relevant provisions of the Rules governing the Scheme. (Rules 3 and 4 )
Q. Whether any income tax rebate / exemption is admissible?
A:No income tax / wealth tax rebate is admissible under the Scheme. The prevailing Income Tax provisions shall apply. (GOI letter F. No.2/8/2004/NS-II dated October 13, 2004)
Q. Is TDS applicable to the scheme?
A:Yes, TDS is applicable to the Scheme as interest payments have not been exempted from deduction of tax at source. (GOI letter F. No.2/8/2004/NS-II dated March 28, 2006)
Q. Whether any minimum limit has been prescribed for deduction of tax at source?
A:Tax is to be deducted at source as per the minimum limit prescribed by the Government.
Q. What is the rate at which TDS is to be deducted from the account holder?
A:The rate for TDS for a financial year is specified in Part II of Schedule I of the Finance Act for that year. (GOI letter F. No.2/8/2004/NS-II dated June 06, 2006)
Q. Whether TDS should also be recovered from the undrawn interest payable to the legal heirs of the deceased depositors?
A:Tax shall be deducted at source even from any interest paid / payable to the legal heir of the account holder. (GOI letter F. No.2/8/2004/NS-II dated June 06, 2006)
Q. Whether TDS on interest payments will be applicable with retrospective effect or prospective basis?
A:TDS is applicable from the very first day when SCSS, 2004 was made operational regardless of the fact that the Central Government or Reserve Bank of India or any authority might have issued any Notification / circular / clarification at a later stage. (GOI letter F. No.2/8/2004/NS-II dated June 06, 2006)
Q. Whether only one person or number of persons can be nominated in the accounts opened under the Scheme?
A:The depositor may, at the time of opening of the account, nominate a person or persons who, in the event of death of the depositor, will be entitled to payment due on the account.
Q. Can a nomination be made after the account has already been opened?
A:Yes, nomination may be made by the depositor at any time after opening of the account but before its closure, by an application in Form C accompanied by the Pass book to the deposit office.
Q. Can a nomination be cancelled or changed?
A:Yes, the nomination made by the depositor may be cancelled or varied by submitting a fresh nomination in Form C to the deposit office where the account is being maintained.
Q. Can nomination be made in joint account also?
A:Nomination can be made in joint account also. In such a case, the joint holder will be the first person entitled to receive the amount payable in the event of death of the depositor. The nominee’s claim will arise only after the death of both the joint holders.

Saturday 25 June 2016

WHAT IS MCLR

The MCLR will comprise of:
Marginal cost of funds;
Negative carry on account of CRR;
Operating costs;
Tenor premium.
iii. Marginal Cost of funds
The marginal cost of funds will comprise of Marginal cost of borrowings and return on networth. The detailed methodology for computing marginal cost of funds is given in the Annex.
iv. Negative Carry on CRR
Negative carry on the mandatory CRR which arises due to return on CRR balances being nil, will be calculated as under:
Required CRR x (marginal cost) / (1- CRR)
The marginal cost of funds arrived at (iii) above will be used for arriving at negative carry on CRR.
v. Operating Costs
All operating costs associated with providing the loan product including cost of raising funds will be included under this head. It should be ensured that the costs of providing those services which are separately recovered by way of service charges do not form part of this component.
vi. Tenor premiumThese costs arise from loan commitments with longer tenor. The change in tenor premium should not be borrower specific or loan class specific. In other words, the tenor premium will be uniform for all types of loans for a given residual tenor.
vii. Since MCLR will be a tenor linked benchmark, banks shall arrive at the MCLR of a particular maturity by adding the corresponding tenor premium to the sum of Marginal cost of funds, Negative carry on account of CRR and Operating costs.
viii. Accordingly, banks shall publish the internal benchmark for the following maturities:
overnight MCLR,
one-month MCLR,
three-month MCLR,
six month MCLR,
One year MCLR.
In addition to the above, banks have the option of publishing MCLR of any other longer maturity.

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For Improvement in Quantitative Aptitude/Numerical ability.

Solve minimum 100 Questions of DIVISION BY 2,DIVISION BY 3,DIVISION BY 4,DIVISION BY 5.DIVISION BY 6,DIVISION BY 7,DIVISION BY 8,DIVISION BY 9 today.

For example take 2452/2, 2452/3.2452/4 and so on.............

SOLVE:
1. If Rs159 is cost price of lamp, and Rs 196 is selling price , find % profit.
2. If Rs153 is cost price of lamp, and Rs 146 is selling price , find % loss.
3.A Second hand furniture dealer buys a used table for Rs 3250. He spends Rs 500 on polishing and repairing it. If he sells it at Rs 4000 , what is his profit.
4. Akshay sold a book for Rs 315 at a loss of Rs 23. What was cost of the book.
5. Ananya made a profit of Rs 281 on a necklace she sold for Rs 5389. Whast had necklace cost her.
6.Sunil sold his dinning table set at a loss of 20%. If he had sold it for Rs 800 more, he would have received a profit of 5%. Find the cost price .
7. The cost of 11 pencils is equal to the selling price of 10 pencils. Find the loss or profit percent, whatever may be the cost of 1 pencil.
8. Sushil bought two buffaloes for Rs30,000. By selling one at a loss of 15% and other at a profit of 19%, he found that selling price of both buffaloes is the same. Find the C.P of each.
9.Find the gain or loss percent, if

C.P. = Rs 4oo , S.P. = Rs 500 .

10. A box of Alphonso mangoes was purchased by a fruit – seller for Rs300. However, he had to sell them for Rs250 because they began they began to overripe. What was the loss percentage?

11.Honey bought a computer for Rs 12000 and spent Rs 2000 on its accessories. He sold it for Rs 16800. Find his profit or loss. What was his profit or loss per cent?

12.By selling a coat for Rs 1630, a shopkeeper earns a profit of 5%. Find the cost price of coat

13.A man sells his scooter for Rs28000 making a profit of 20%. How much did the scooter cost him?

14.2) By selling an AC for Rs 20,000, I lose 20%. What did I pay for it?

15.SP = Rs450 and profit % = 50, find CP.

16.A shopkeeper sells one transistor for Rs 840 at a gain of 20% and another for Rs 960 at a loss of 4%. His total gain or loss percent is:

17.Cost price = Rs 450, Profit % = 5% find SP.

18. A bookseller sold 500 copies of a book at a profit of 20%. If a book costs him Rs15, find the selling price of the books.

19.Bobby bought oranges at Rs 60 a dozen. He had to sell them at a loss of 5%. Find the selling price of one orange.

20.The cost of 12 pencils is equal to the selling price of 10 pencils. Find the loss or profit percent, whatever may be the cost of 1 pencil.

2 1. Find the gain or loss percent, if C.P. = Rs 200 , S.P. = Rs 150

If you are fast in addition/subtraction/division and multiplication. it means you are saving 10 to 15 sec per question. It results in saving 500 sec. in overall paper. It means that you can solve 10 questions more than your competitor. so spend most time on practice of these basic operations.

you can make your own problems Or take these from any guide.

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IMPORTANT QUESTIONS FOR S.B.I. MAIN:

Q. What is MUDRA?
A:MUDRA, which stands for Micro Units Development & Refinance Agency Ltd., is a new institution being set up by Government of India for development and refinancing activities relating to micro units. It was announced by the Hon’ble Finance Minister while presenting the Union Budget for FY 2016. The purpose of MUDRA is to provide funding to the non corporate small business sector.
Q. Why MUDRA has been set up?
A:The biggest bottleneck to the growth of entrepreneurship in the Non –Corporate Small Business Sector (NCSBS) is lack of financial support to this sector. Majority of this sector does not have access to formal sources of finance. GoI is setting up MUDRA Bank through a statutory enactment for catering to the needs of the NCSBS segment or the informal sector for bringing them in the mainstream. To begin with it is being set up as a subsidiary of SIDBI.
Q. What will be roles and responsibilities of MUDRA?
A:MUDRA would be responsible for refinancing all Last Mile Financiers such as Non Banking Finance Companies of various types engaged in financing of small businesses, Societies, Trusts, Section 8 Companies [formerly Section 25], Co-operative Societies, Small Banks, Scheduled Commercial Banks and Regional Rural Banks which are in the business of lending to micro/small business entities engaged in manufacturing, trading and services activities. The Bank would partner with State/regional level financial intermediaries to provide finance to Last Mile Financier of small/micro business enterprises.
Q. What are the offerings of MUDRA? How will MUDRA function?
A:Under the aegis of Pradhan Mantri MUDRA Yojana, MUDRA has already created its initial products / schemes. The interventions have been named 'Shishu', 'Kishor' and 'Tarun' to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation / growth to look forward to :
a. Shishu : covering loans upto 50,000/-
b. Kishor : covering loans above 50,000/- and upto 5 lakh
c. Tarun : covering loans above 5 lakh to 10 lakh
MUDRA will be operating as a refinancing institution through state/regional level intermediaries. MUDRA's delivery channel is conceived to be through the route of refinance primarily to NBFCs / MFIs, besides other intermediaries including banks, Primary Lending Institutions, etc.
At the same time, there is a need to develop and expand the delivery channel at the ground level. In this context, there is already in existence, a large number of 'Last Mile Financiers' in the form of companies, trusts, societies, associations and other networks which are providing informal finance to small businesses.
Q. Who are the target clients of MUDRA/ What kind of borrowers are eligible for assistance from MUDRA?
A:Non –Corporate Small Business Segment (NCSBS) comprising of millions of proprietorship / partnership firms running as small manufacturing units, service sector units, shopkeepers, fruits / vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, artisans, food processors and others, in rural and urban areas.
Q. Are Regional Rural Banks (RRBs) eligible for assistance from MUDRA?
A:Yes, MUDRA will be extending refinance support to RRBs for enhancing their liquidity.
Q. What is the rate of interest charged by MUDRA?
A:MUDRA will be a refinancing agency which will extend its funds to Last Mile Financiers to enable them to reach out to the sector. Access to finance in conjunction with rational price is going to be the unique customer value proposition of MUDRA. It will use a variety of innovative financing means to bring down the cost of funding for the ultimate borrower.
Q. I have a small business dealing in paper goods. Can MUDRA help me?
A:Yes. MUDRA will offer smaller loans upto 50,000/ under the 'Shishu' category and beyond 50,000 and upto 5 lakh under the 'Kishor' category. These products have been designed to cater to customers operating at the lower end of the enterprise spectrum. The loans will be extended through MFIs, NBFCs, Banks etc.
Q. I have graduated recently. I want to start my own business. Can MUDRA help me?
A:MUDRA offers smaller loans upto 50,000/ under the 'Shishu' category and beyond 50,000 and upto 5 lakh under the 'Kishor' category. It also offers loans beyond 5lakh and upto 10 lakh under the Tarun category. Depending on your nature of business project requirement you can access finance from one of the intermediaries of MUDRA as per the norms.
Q. I have diploma in food processing technology. I want to start my own unit. Please guide me.
A:Food Processing is an eligible activity for coverage under one of the MUDRA schemes. You can avail assistance under MUDRA schemes as per your requirements.
Q. I am an artisan specialising in Jari work. I want to start my own work instead of doing job work for others. Can MUDRA help me?
A:You can avail assistance under the ‘Shishu’ category of Micro Credit Scheme of MUDRA through any of the MFIs operating in your region for setting up your own enterprise.
Q. I have done a course on fashion designing. I want to open my own boutique and develop my own brand. What help can MUDRA offer to me?
A:MUDRA operates a special scheme for women entrepreneurs; viz; Mahila Uddyami Scheme. Assistance will be provided under all three groups, viz. 'Shishu', 'Kishor' as well as 'Tarun'.
Q. I intend to work on franchisee model and open an ice cream parlour. Can MUDRA help me?
A:MUDRA operates a special scheme 'Business loans for Traders and Shopkeepers'. You can avail the facilities under the scheme as per your requirements.
Q. I want to expand my pottery business by adding more variety and designs. What help can I get from MUDRA?
A:You can avail assistance under the 'Shishu' category of Micro Credit Scheme of MUDRA through any of the MFIs operating in your region for setting up your own enterprise.

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Thursday 23 June 2016

The UK's EU referendum: All you need to know

The UK's EU referendum: All you need to know
By Brian Wheeler & Alex Hunt
BBC News

What is happening?
A referendum is being held on Thursday, 23 June, to decide whether Britain should leave or remain in the European Union. This article is designed to be an easy-to-understand guide. Thanks for all your questions - we've answered a selection at the bottom of the page.
What is a referendum?
A referendum is basically a vote in which everyone (or nearly everyone) of voting age can take part, normally giving a "Yes" or "No" answer to a question. Whichever side gets more than half of all votes cast is considered to have won.
Why is a referendum being held?
Prime Minister David Cameron promised to hold one if he won the 2015 general election, in response to growing calls from his own Conservative MPs and the UK Independence Party (UKIP), who argued that Britain had not had a say since 1975, when it voted to stay in the EU in a referendum. The EU has changed a lot since then, gaining more control over our daily lives, they argued. Mr Cameron said: "It is time for the British people to have their say. It is time to settle this European question in British politics."
What is the European Union?
The European Union - often known as the EU - is an economic and political partnership involving 28 European countries (click here if you want to see the full list). It began after World War Two to foster economic co-operation, with the idea that countries which trade together are more likely to avoid going to war with each other. It has since grown to become a "single market" allowing goods and people to move around, basically as if the member states were one country. It has its own currency, the euro, which is used by 19 of the member countries, its own parliament and it now sets rules in a wide range of areas - including on the environment, transport, consumer rights and even things like mobile phone charges. Click here for a beginners guide to how the EU works.
Here's a video explaining how the EU works in less than two minutes
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Media captionHow does the European Union work?
What is referendum question?
"Should the United Kingdom remain a member of the European Union or leave the European Union?" Read more: Does the wording of a referendum question matter?
What does Brexit mean?
It is a word that has become used as a shorthand way of saying the UK leaving the EU - merging the words Britain and exit to get Brexit, in a same way as a Greek exit from the EU was dubbed Grexit in the past.
Who is able to vote?
British, Irish and Commonwealth citizens over 18 who are resident in the UK, along with UK nationals living abroad who have been on the electoral register in the UK in the past 15 years. Members of the House of Lords and Commonwealth citizens in Gibraltar will also be eligible, unlike in a general election. Citizens from EU countries - apart from Ireland, Malta and Cyprus - will not get a vote.
How do you vote?
It is a similar system to that during other elections. Firstly, if you have registered to vote, you'll have been sent a card telling you when voting takes place and where you should go to vote on 23 June. On that day, when you go to the polling station you will be given a piece of paper with the referendum question on it. You then go to a booth, which will have a pencil in it for your use. You then put a X in the box which reflects your choice and put the paper into a ballot box. Alternatively have also been able to opt to vote by post. Read more: Electoral Commission's guide to applying to vote by post.
Didn't David Cameron try and change the rules of the UK's EU membership?
Yes. This was the big news back in January and February as David Cameron sought an agreement with other European Union leaders to change the terms of Britain's membership. He says the deal, which will take effect immediately if the UK votes to remain in the EU, gives Britain "special" status within the 28 nation club, and will help sort out some of the things British people say they don't like about the EU, such as high levels of immigration and giving up the ability to run our own affairs.
Critics say his deal will make little difference and falls well short of what he had promised when he announced his plan for a referendum. Read more: What Cameron wanted v what he got
The main points of the deal are:
Child benefit - Migrant workers will still be able to send child benefit payments back to their home country - Mr Cameron had wanted to end this practice - but the payments will be set at a level reflecting the cost of living in their home country rather than the full UK rate
Migrant welfare payments - Mr Cameron says cutting the amount of benefits low paid workers from other EU nations can claim when they take a job in the UK will remove one of the reasons people come to Britain in such large numbers (critics say it will make little difference). He did not get the blanket ban he wanted. New arrivals will not be able to claim tax credits and other welfare payments straight away - but will gradually gain the right to more benefits the longer they stay, at a rate yet to be decided.
Keeping the pound - Mr Cameron has said Britain will never join the euro. He secured assurances that the eurozone countries will not discriminate against Britain for having a different currency. Any British money spent on bailing out eurozone nations that get into trouble will also be reimbursed.
Protection for the City of London - Safeguards for Britain's large financial services industry to prevent eurozone regulations being imposed on it
Running its own affairs - For the first time, there will be a clear commitment that Britain is not part of a move towards "ever closer union" with other EU member states - one of the core principles of the EU. This will be incorporated in an EU treaty change. Mr Cameron also secured a "red card" system for national parliaments making it easier for governments to band together to block unwanted legislation. If 55% of national EU parliaments object to a piece of EU legislation it will be rethought. Critics say it is not clear if this would ever be used in practice.
Who wants the UK to leave the EU?
The British public are fairly evenly split, according to the latest opinion polls. The UK Independence Party, which won the last European elections, and received nearly four million votes - 13% of those cast - in May's general election, campaigns for Britain's exit from the EU. About half of Conservative MPs, including five cabinet ministers, several Labour MPs and the DUP are also in favour of leaving.
Why do they want the UK to leave?
They believe Britain is being held back by the EU, which they say imposes too many rules on business and charges billions of pounds a year in membership fees for little in return. They also want Britain to take back full control of its borders and reduce the number of people coming here to live and/or work. One of the main principles of EU membership is "free movement", which means you don't need to get a visa to go and live in another EU country. They also object to the idea of "ever closer union" and what they see as moves towards the creation of a "United States of Europe".
Who wants the UK to stay in the EU?
Prime Minister David Cameron wants Britain to stay in the EU. Sixteen members of his cabinet also back staying in. The Conservative Party has pledged to be neutral in the campaign - but the Labour Party, SNP, Plaid Cymru and the Lib Dems are all in favour of staying in. US president Barack Obama also wants Britain to remain in the EU, as do other EU nations such as France and Germany. As mentioned above, according to polls, the British public seems pretty evenly split on the issue.
Why do they want the UK to stay?
Those campaigning for Britain to stay in the EU say it gets a big boost from membership - it makes selling things to other EU countries easier and, they argue, the flow of immigrants, most of whom are young and keen to work, fuels economic growth and helps pay for public services. They also believe Britain's status in the world would be damaged by leaving and that we are more secure as part of the 28 nation club, rather than going it alone.
So would Britain be better in or out?
It depends which way you look at it - or what you believe is important. Leaving the EU would be a big step - arguably far more important than who wins a general election - but would it set the nation free or condemn it to economic ruin? Issue-by-issue: The arguments for and against
What about businesses?
Big business - with a few exceptions - tends to be in favour of Britain staying in the EU because it makes it easier for them to move money, people and products around the world. BT chairman Sir Mike Rake, a recent CBI president, says there are "no credible alternatives" to staying in the EU. But others disagree, such as Lord Bamford, chairman of JCB, who says an EU exit would allow the UK to negotiate trade deals as our country "rather than being one of 28 nations". Many small and medium-sized firms would welcome a cut in red tape and what they see as petty regulations. The British Chambers of Commerce says 55% of members back staying in a reformed EU.
What are the rules for campaigning?
The Electoral Commission is in charge of making sure it's a fair contest. It has designated lead campaigns for both the "leave" and "remain" sides. The official campaigns - Vote Leave and Britain Stronger in Europe - get access to a grant of up to £600,000, an overall spending limit of £7m, campaign broadcasts, free mailshots and free access to meeting rooms. The Electoral Commission has published a guide to the rules.
So who is leading the rival sides in the campaign?
Britain Stronger in Europe - the main cross-party group campaigning for Britain to remain in the EU is headed by former Marks and Spencer chairman Lord Rose. It is backed by key figures from the Conservative Party, including Prime Minister David Cameron and Chancellor George Osborne, most Labour MPs, including party leader Jeremy Corbyn and Alan Johnson, who is running the Labour In for Britain campaign, the Lib Dems, Plaid Cymru, the Alliance party and the SDLP in Northern Ireland, and the Green Party. Who is funding the campaign: Britain Stronger in Europe has raised £6.88m so far, boosted by two donations totalling £2.3m from the supermarket magnate and Labour peer Lord Sainsbury. Other prominent Remain donors included hedge fund manager David Harding (£750,000), businessman and Travelex founder Lloyd Dorfman (£500,000) and the Tower Limited Partnership (£500,000). Read a Who's Who guide. Who else is campaigning to remain: The SNP is running its own remain campaign in Scotland as it does not want to share a platform with the Conservatives. Several smaller groups have also registered to campaign.
Vote Leave - A cross-party campaign that has the backing of senior Conservatives such as Michael Gove and Boris Johnson plus a handful of Labour MPs, including Gisela Stuart and Graham Stringer, and UKIP's Douglas Carswell and Suzanne Evans, and the DUP in Northern Ireland. Former Tory chancellor Lord Lawson and SDP founder Lord Owen are also involved. It has a string of affiliated groups such as Farmers for Britain, Muslims for Britain and Out and Proud, a gay anti-EU group, aimed at building support in different communities. Who is funding the campaign: Vote Leave has raised £2.78m so far. Its largest supporter is businessman Patrick Barbour, who gave £500,000. Former Conservative Party treasurer Peter Cruddas gave a £350,000 donation and construction mogul Terence Adams handed over £300,000. Read a Who's Who guide. Who else is campaigning to leave: UKIP leader Nigel Farage is not part of Vote Leave. His party is running its own campaign. The Trade Union and Socialist Coalition is also running its own out campaign. Several smaller groups have also registered to campaign.
Thanks for sending in your questions. Here are a selection of them, and our answers:
Do I have to register to take part in the EU referendum?
A lot of people asked about this. To be clear, if you are a British, Irish or Commonwealth citizen on the electoral register you will be able to vote in the referendum. You will not have to register specially. You can check with your local authority's electoral services team if you are worried that you are not on the register. If you were not on the register you had until midnight on Thursday, 9 June to submit an application for a vote; this deadline was extended by two days after an online glitch meant people trying to register online in the run up to the original deadline could not do so. For those who are registered to vote, the deadlines for applying for a postal vote at the referendum have now gone.
Which MPs are for staying and which are for leaving?
The good news for Edward, from Cambridge, who asked this question, is we have been working on exactly such a list. Click here for the latest version..
Will it simply be the case of all votes being counted to give two totals?
Yes, is the answer to this question from William from West Sussex. All the votes will be counted and then added up, with a straight majority needed to provide the result. In answer to some other people's questions, there is no minimum turnout needed. So if, for the sake of argument, only three people voted on the day, if two of them voted to leave, that would be the result.
I'm away on holiday for the week of 23 June - can I still vote?
The good news for Dean from West Sussex - and the many others of you who asked the same question - is that you will be able to vote by post, as people can in local and general elections. Here's the Electoral Commission's guide to applying to vote by post.
When and how will the results be announced?
In answer to a question from John, from Lewes, counts will get under way when polls close at 22:00 BST Thursday, 23 June at 382 local centres around the UK. These local results will be declared as the counts are completed before being collated at 12 regional centres, which will also declare the totals for each side. There will be a rolling total so the time at which one side reaches the point of being mathematically unbeatable depends on how quickly the votes are counted and how close the results are running. It is a safe bet that from 04:00 onwards there should be pretty clear picture of which way the vote is going. A chief counting officer will announce the overall result at Manchester Town Hall.
If the UK left the EU, would UK citizens need special permits to work in the EU?
Lots of people asked about this. A lot would depend on the kind of deal the UK agreed with the EU after exit. If it remained within the single market, it would almost certainly retain free movement rights allowing UK citizens to work in the EU and vice versa. If the government opted to impose work permit restrictions, as UKIP wants, then other countries could reciprocate, meaning Britons would have to apply for visas to work.
What about EU nationals who want to work in the UK?
As explained in the answer above, it would depend on whether the UK government decided to introduce a work permit system of the kind that currently applies to non-EU citizens, limiting entry to skilled workers in professions where there are shortages.
Would leaving the EU mean we wouldn't have to abide by the European Court of Human Rights?
Duncan, from Chippenham, wanted to know if the UK could deport terror suspects to their own countries to face charges without being overruled by the European Court of Human Rights (ECHR) in Strasbourg.
The ECHR is not a European Union institution. It was set up by the Council of Europe, which has 47 members including Russia and Ukraine. So quitting the EU would not exempt the UK from its decisions.
The UK government is, however, committed to repealing the Human Rights Act which requires UK courts to treat the ECHR as setting legal precedents for the UK, in favour of a British Bill of Rights. As part of that, David Cameron is expected to announce measures that will boost the powers of courts in England and Wales to over-rule judgements handed down by the ECHR.
Has any member state ever left the EU, or would the UK be the first?
Pauline, from Shipston on Stour, asked this one. No nation state has ever left the EU. But Greenland, one of Denmark's overseas territories, held a referendum in 1982, after gaining a greater degree of self government, and voted by 52% to 48% to leave, which it duly did after a period of negotiation. The BBC's Carolyn Quinn visited Greenland at the end of last year to find out how they did it.
If we stay in do we keep the pound for ever?
It is up to the UK government to decide whether or not to keep the pound or switch to the euro. The deal David Cameron struck with the EU included recognition that the UK has no plans to switch to the euro currency.
How much does the UK contribute to the EU and how much do we get in return?
In answer to this query from Nancy from Hornchurch - the UK is one of 10 member states who pay more into the EU budget than they get out, only France and Germany contribute more. In 2014/15, Poland was the largest beneficiary, followed by Hungary and Greece.
The UK also gets an annual rebate that was negotiated by Margaret Thatcher and money back, in the form of regional development grants and payments to farmers, which added up to £4.6bn in 2014/15. According to the latest Treasury figures, the UK's net contribution for 2014/15 was £8.8bn - nearly double what it was in 2009/10.
The National Audit Office, using a different formula which takes into account EU money paid directly to private sector companies and universities to fund research, and measured over the EU's financial year, shows the UK's net contribution for 2014 was £5.7bn. Read more number crunching from Reality Check.
If I retire to Spain or another EU country will my healthcare costs still be covered?
David, from East Sussex, is worried about what would happen to his retirement plans if Britain votes to leave the EU. This is one of those issues where it is not possible to say definitively what would happen. At the moment, the large British expat community in Spain gets free access to Spanish GPs and their hospital treatment is paid for by the NHS. After they become permanent residents Spain pays for their hospital treatment. Similar arrangements are in place with other EU countries.
If Britain leaves the EU but remains in the single market, or the European Economic Area as it is known, it might be able to continue with this arrangement, according to a House of Commons library research note. If Britain has to negotiate trade deals with individual member states, it may opt to continue paying for expats' healthcare through the NHS or decide that they would have to cover their own costs if they continue to live abroad, if the country where they live declines to do so.
Will the opinion polls get it wrong again?
The short answer is that we'll find out on 24 June! John wrote to ask whether we are in for a repeat of the general election when the opinion polls underestimated support for one side, the Conservatives, and overstated support for the other, Labour. As John points out, research suggests younger people are more likely to vote to remain in the EU, while older voters tend to favour out. But as a general rule, older people are more likely to vote in elections than younger people. The "don't knows" are also running at between 17% and 20%. Prof John Curtice, who supervised the general election exit poll, has also noticed a difference between polls conducted online, which suggest the race is close, and ones conducted over the telephone, which put the Remain campaign ahead. Opinion polling is not an exact science - for more information on the latest referendum polls and analysis by Prof Curtice, visit the National Centre for Social Research's What UK thinks site.
Who counts as a British citizen?
Jude wanted to know if his Peruvian girlfriend, who is a British citizen but has been living in Peru for five years, can take part in the referendum. The answer is yes, if she has appeared on the UK electoral register in the past 15 years.
How long will it take for Britain to leave the EU?
This was a question asked by many people. The minimum period after a vote to leave would be two years. During that time Britain would continue to abide by EU treaties and laws, but not take part in any decision-making, as it negotiated a withdrawal agreement and the terms of its relationship with the now 27 nation bloc. In practice it may take longer than two years, depending on how the negotiations go.
Could MPs block an EU exit if Britain votes for it?
Michael, from East Sussex asks an intriguing question - could the necessary legislation pass the Commons if all SNP and Lib Dems, nearly all Labour and many Conservative MPs were in favour of staying?
The answer is that technically MPs could block an EU exit - but it would be seen as political suicide to go against the will of the people as expressed in a referendum. The referendum result is not legally binding - Parliament still has to pass the laws that will get Britain out of the 28 nation bloc, starting with the repeal of the 1972 European Communities Act.
The withdrawal agreement would also have to be ratified by Parliament - the House of Lords and/or the Commons could vote against ratification, according to a House of Commons library report.

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Thursday 30 June 2016

for written exam of SBIPO/IBPS PO/IBPSCLERK/RRB PO/RRB ASSISTANT

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Wednesday 29 June 2016

96 Important general knowledge questions

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Monday 27 June 2016

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Saturday 25 June 2016

WHAT IS MCLR

For Improvement in Quantitative Aptitude/Numerical ability.

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Thursday 23 June 2016

The UK's EU referendum: All you need to know

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