#3 exam helper - knowledge booster (for government job) 3 rd edition

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'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' FUNCTIONS OF KEYS ON KEYBOARD (F1 – F12) Function keys : used to perform special functions depending on the software being used. ENTER : used to communicate with the end of instruction or Data being keyed in by keyboard. CAPS LOCK : Used for keying in capitalized alphabets. Shift : Caps lock off: If pressed simaltanously with a Character key, a capitalized alphabet is input. Ctrl, Alt : Pressed with other keys, they input special messages to the computers. Backspace : used to erase the character to the left of cursor. Num : used to activate numeric keys on numeric pad. Cursor Keys : use to move cursor in direction indicated. HOME : Brings the cursor to the start of the line. END : Brings the cursor to end of the line. PgUp : Move the page upwards (MS Office applications) PgDn : Move the page downwards (MS Office applications

CONVERSIONS 1 Nibble : 4 Bits 1 Byte : 8 Bits 1 KB : 1024 Bytes 1 MB : 1024 Kilo Bytes 1 GB : 1024 Mega Bytes 1 Terabyte : 1024 Giga Bytes

COMMON FULL FORMS MICR : Magnetic Ink Character Reader OCR : Optical Character Reader OMR : Optical Mark Reader BCR : Bar Code Reader CPU : Central processing Unit VDU : Visual Display Unit ALU : Arithmetic Logical Unit CU : Control Unit RAM : Random Access Memory DRAM : Dynamic Random Access Memory SRAM : Static Random Access Memory FRAM : Ferromagnetic Random Access Memory


ROM : Read Only Memory PROM : Programmable Read Only Memory EPROM : Erasable Programmable Read Only Memory EEPROM : Electronically Erasable Programmable Read Only Memory CDROM : Compact Disk Read Only Memory DVDROM : Digital Video Disk Read Only Memory C.G.A : Colour Graphics Adaptor H.G.A : Hercules Graphics Adaptor E.G.A : Enhanced Graphics Adaptor V.G.A : Video Graphics Adaptor O.S : Operating System CUI : Character User Interface GUI : Graphical User Interface DTP : Desk Top Publishing CAD : Computer Aided Design DBMS : Data Base Management System RDBMS : Relational Data Base Management System ATM : Automatic Teller Machine ASCII : American Standard Code for Information Interchange EBCDIC : Extended Binary Coded Decimal Interchange Code BCD : Binary Coded Decimal LAN : Local Area Network WAN : Wide Area Network MAN : Metropolitan Area Network WWW : World Wide Web ARPANET : Advanced Research Projects Agency Network IAB : Internet Architecture Board IRTF : Internet Research Task Force IETF : Internet Engineering Task Force TCP/IP : Transmission Control Protocol/ Internet Protocol HTTP : Hyper Text Transfer Protocol ISP : Internet Service Provider Veronica : Very Easy Robust Oriented Netwide Index to Computer Archives HTML : Hyper Text Markup Language FTP : File Transfer Protocol E-mail : Electronic Mail CBT : Computer Based Training ADC : Analog- to –Digital Conversion

1. F2 Edit the selected cell


2. F3 After a name has been created F3 will paste names 3. F5 Go to a specific cell. For example, C6 4. F7 Spell check selected text or document 5. F11 Create chart from selected data 6. Ctrl + Shift + ; Enter the current time 7. Ctrl + ; Enter the current date 8. Alt + Shift + F1 Insert new worksheet 9. Shift + F3 Open the Excel formula window 10. Shift + F5 Bring up search box 11. Ctrl + A Select all contents of the worksheet 12. Ctrl + B Bold highlighted section 13. Ctrl + I Italic highlighted section 14. Ctrl + K Insert link 15. Ctrl + U Underline highlighted section 16. Ctrl + 1 Change the format of selected cells 17. Ctrl + 5 Strike through highlighted section 18. Ctrl + P Bring up the print dialogue box to begin printing 19. Ctrl + Z Undo last action 20. Ctrl + F3 Open Excel Name Manager 21. Ctrl + F9 Minimize current window 22. Ctrl + F10 Maximize currently selected window 23. Ctrl + F6 Switch between open work books or windows 24. Ctrl + Page up Move between Excel work sheets in the same Excel document 25. Ctrl + page down Move between Excel worksheets in the same Excel document 26. Ctrl + Tab Move between two or more open Excel document 27. Alt + = Create a formula to sum all of the above cells 28. Ctrl + ’ Insert the value of the above cell into cell currently selected 29. Ctrl + Shift + ! Format number in comma format 30. Ctrl + Shift + $ Format number in currency format 31. Ctrl + Shift + # Format number in date format 32. Ctrl + Shift + % Format number in percentage format 33. Ctrl + Shift + ^ Format number in scientific format 34. Ctrl + Shift + @ Format number in time format 35. Ctrl + Arrow key Move to the next selection on text 36. Ctrl + Space Select entire column 37. Shift + Space Select entire row 38. Ctrl + - Delete the selected column or row 39. Ctrl + shift + = Insert a new column or row 40. Ctrl + Home Move to cell A1 41. Ctrl + ~ Switch between showing Excel formulas or their values in cells


Mathematics related to Geometry, Trigonometry, and Co-ordinate Geometry. GEOMETRY 1) A triangle with sides a,b and c and radius of incircle and circumcircle as r and R respectively then the relation between them is as follows r = area of triangle/ semiperimeter R = abc/4*area of triangle = abc/4*r*semiperimeter 2) And in case of right angled triangle with perpendicular as a base as b and hypotenuse as h, then R = hypotenuse/2 r = (perpendicular + base – hypotenuse)/2 3) Area of triangle when one angle and two sides are given = 1/2(ab sinC)=1/2(ac sinB)=1/2(bc sin A) 4) If AD is the bisector of angle BAC of triangle ABC then AB/AC=BD/DC 5) And if AD is median, then AB2+AC2=2(AD2+BD2 or DC2 6) The ratio of area of two similar triangles is equal to the square of the corresponding medians or altitudes or sides or angle bisector segments. 7) In right angled triangle ABC, angle B= 900 and BD perpendicular AC, then BD2 = AD*DC 8) The area of equilateral triangle described on the side of the square is half the area of eq. triangle described on its diagonals. 9) In triangle ABC, angle B is obtuse and AD is perpendicular to CB produced, then AC2 = AB2+BC2+2BC*BD And, in the case of B being acute angle and AD is perpendicular to BC, then AC2 = AB2+BC2-2BC*BD ABC is right angled triangle, angle B=90 degree, and D and E are points on AB and AC, then AE2+CD2=AC2+DE2 And if D and E are midpoints, then 4AE2=4AC2+BC2 4CD2=4BC2+AC2 4(AE2+CD2)=5AC2=20DE2 10) Angle subtended by an arc of a circle at the centre is double the angle subtended by it at any point on the remaining part of the circle. 11) Angle in the same segment are equal. 12) When two chords AB and AC of circle cuts each other inside or outside the circle, then AP*BP=CP*DP 13) When chord AB of a circle is produced to a point P, and from that point a tangent is drawn to the circle, then PT2=PA*PB


14) When a chord XY is drawn parallel to tangent APB, then angle APX=angle PYX, angle BPY=angle PXY 15) Two circles with radius r and R, and the distance between them is d, then Measure of direct tangent = Square root [ d2 – (R-r) Measure of transverse tangent = Square root[d2 + (R+r)2] Where, R&r When two circles with equal radius r intersect each other at its center, the length of common chord = r* Square root TRIGONOMETRY 1) If sin A + cos A = x, then, sin A – cos A = Square root ( 2 – x2) 2) If sec A + tan A = x, then, sec A = (x2 + 1)/2x 3) Maximum value of (sin A*cos A)n 1/2)n , therefore sin A*cos A = ½ 4) In the angle of incidence made by a point on the land to the top of a pole is A and after travelling the distance D the angle of incidence become B then, height of the pole H = D/(cot A – cot B), where A>B 5) If the angle of depression from top and bottom of a pole with the second pole is A and B respectively, and the height of the second pole is H, then Height of the first pole = H sin(A+B)/cos A*cos B 6) If the angle of depression of top and bottom of tree from the top of the pole is A and B respectively, and height of the tree is h, then the height of the pole, H = h tan A/tan A*tan B 7) If Sec x + Tan x= 2, then Sec x – tan x= 1/2 8) Tanx. tan 2x. tan 4x= tan 3x 9) sinx. sin 2x. sin 3x= 1/4* sin 3x 10) cos x. cos 2x. cos 3x = 1/4* cos 3x CO-ORDINATE GEOMETRY 1) The distance measured from origin O along X- axis is called abscissa and along Y- axis is called ordinate. 2) Abscissa along Y-axis is 0 and ordinate along X-axis is 0. 3) The slope or gradient of a line is denoted by m and its intercept is denoted by c For equation ax+by+c=0, then m = -a/b , and c = -c/b 4) If the vertices of triangle is denoted by (x1,y1),(x2,y2),(x3,y3), then its area is ½[x1(y2-y1)+x2(y3-y1)+x3(y1-y2) and its incentre = [ax1+bx2+cx3]/a+b+c , [ay1+by2+cy3]/a+b+c , and centroid = [x1+x2+x3/3] , [y1+y2+y3/3]


1). Speed, v = s/t. where s = Total distance, t = Total time 2). The relative velocity of two bodies moving at velocities u and v (u>v) in the same direction is (u – v). 3). The relative velocity of two bodies moving in opposite directions is (u + v). 4). A train or a moving body of known length has to travel its own length in passing a lamp post or a fixed body of insignificant size. 5). A train or a moving body must travel its own length plus the length of the stationary body in question, if the train or the moving body has to pass a stationary body i.e. a bridge, a railway platform etc. 6). Motion downstream or upstream: Velocity of boat downstream = (u + v) Velocity of boat upstream = (u – v) Where ‘u’ is the velocity of the boat in still waters and ‘v’ is the velocity of the stream. 7). If a man changes his speed in the ratio u : v, the corresponding ratio of times will be v : u

FORMULAS FOR Time & Work PROBLEM

1. If a person can do a piece of work in ‘m’ days, he can do 1/m of the work in 1 day.

2. If the number of persons engaged to do a piece of work be increased (or decreased) in a certain ratio the time required to do the same work will be decreased (or increased) in the same ratio.

3. If A is twice as good a workman as B, then A will take half the time taken by B to do a certain piece of work.

4. Time and work are always in direct proportion.


5. If two taps or pipes P and Q take ‘m’ and ‘n’ hours respectively to fill a tank, then the two pipes together fill (1/m + 1/n) part of the tank in 1 hour and the entire tank is filled in mn/(m+n) hours.

1. BHARAT NIRMAN:

Componets-1. Road 2. Irrigation 3. Drinking Water 4. Electricity 5. Houses 6. Communicaton

• It was implemented and extended in three phases i.e., from (2005 - 2009), (2009 - 2012), (2012-

2014)

• It is centrally sponsored scheme for the rural development of India started in September 2005.

• There are 6 objectives in this scheme

Objectives:

a) To provide all weather road connectivity to the village which have more than 1000 population in

plain areas and 500 population in hilly areas.

b) To bring 10 million hectares of land under irrigation facility and to make 1.4 million hectares of

additional land for arable land (for the use of agriculture).

c) To provide clean drinking water to all villages by the end of 2012 under Rajiv Gandhi payjal yojana.

d) To electrify 1, 76,000 villages by the end of 2012 under Rajiv Gandhi Vidyutikaran yojna.

e) To construct Pakka houses for BPL households under Indira Awas Yojana (Now from April 1st 2013

cash assistance Rs. 70000 for plain areas and Rs. 75000 for hilly areas) previously it was Rs. 40000 for

plain areas and Rs. 45000 for hilly areas.

f) To provide telephone connectivity to all villages and all BPL holders by 2012.

g) Note: All these objectives are extended till 2014.

2. JNNURM: Jawaharlal Nehru National Urban Renewal Mission

• It was implemented and extended in two phases i.e., (2005 - 2012), (2012 - 2014)


• Started in the year 2005 to make million plus cities squatter (Slam area) free.

• There are 2 components

a) To construct pakka houses for urban poor dwelling in squatter under Rajiv Awas yojana.

b) To make transportation system faster and greener.

3. NRHM: National Rural Health Mission

• It was started on 12th April 2005 to enhance the health facilities in rural areas.

• The appointment of ASHA workers (Accredited social health activist) in Angonwadi Kendra to

provide basic information on health and hygiene conditions as well as to guide people regarding

conservation of water.

4. MGNREGA: Mahatma Gandhi National Rural Employment Guarantee Act

• It was on started on 2nd Feb 2006 to provide minimum 150 days from 1st April 2013 (previously its

is 100 days) of employment to BPL house hold.

• This scheme is both for Urban and Rural areas.

• The old name of this scheme is NREGA and it was changed to MGNREGA on 2nd Oct 2009.

• The wages under the scheme is fixed on the basis of CPI-AL (Consumer Price Index for Agricultural

Labourers) which is calculated by the state government on the basis of their Per capita Income.

5. UIDAI: Unique Identification Authority of India.

• It was started in the year 2010 to provide multipurpose national identity card (MNIC) to every

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citizen aged above 5 years.

• Its name has been changed to Aadhar.

• Its model state was Karnataka (started)

• The retinal identification is taken from the age group of 14 and above.

• Scheme has 7 components like address, PAN no., Passport no., retinal identity etc, It consists of 12

digit number.

• Chairman: First chairman Nandan Nilkani (now Resigned)

6. NFSM: National Food Security Mission

• This scheme is to reduce the poverty in India under national social assistance programme.

• Under Public Distribution System (PDS), government will provide rice @ Rs. 3/kg, wheat @ Rs. 2/kg

to the BPL households.

7. Indira Awaas Yojana

Indira Awaas Yojana is a social welfare programme, created by the Indian Government, to provide

housing for the rural poor in India. The differentiation is made between rural poor and urban poor for

a separate set of schemes operate for the urban poor(like the Basic Services for Urban Poor). It is one

of the major flagship programs of the Rural Development Ministry to construct houses for BPL

population in the villages. Under the scheme, financial assistance worth Rs.70,000/- in plain areas and

Rs.75,000/- in difficult areas (high land area) is provided for construction of houses. The houses are

allotted in the name of the woman or jointly between husband and wife. The construction of the

houses is the sole responsibility of the beneficiary and engagement of contractors is strictly

prohibited. Sanitary latrine and smokeless chullah are required to be constructed along with each IAY

house for which additional financial assistance is provided from Total Sanitation Campaign and Rajiv

Gandhi Grameen Vidyutikaran Yojana respectively. This scheme, operating since 1985, provides

subsidies and cash-assistance to people in villages to construct their houses, themselves.

Started in 1985 as part of the Rural Landless Employment Guarantee Programme (RLEGP), Indira

Awaas Yojana (IAY) was subsumed in Jawahar rojgar Yojana (JRY) in 1989 and has been operating as

an independent scheme since 1996

8. Swabhimaan

Swabhimaan is a campaign of the Government of India which aims to bring banking services to large

rural areas without banking services in the country. It was launched by Smt. Sonia Gandhi, the

Chairperson of the United Progressive Alliance party in the presence of Shri Pranab Mukherjee, the

Union Finance Minister and Shri Namo Narain Meena, the Union Minister of State for Finance on

February 10, 2011. This campaign is to be operated by the Ministry of Finance, Government of India

and the Indian Banks' Association (IBA) to bring banking within the reach of the masses of the Indian

population.

Services Offered-


1. Promises to bring basic banking services to unbanked villages with a population of 2000 and

above.

2. The movement facilitates opening of banks accounts, provide need-based credit and remittance

facilities besides helping in promoting financial literacy in rural India.

3. The programme is aimed at increasing the demand for credit among the millions of small and

marginal farmers and rural artisans who will benefit by having access to banking facilities.

4. This financial inclusion campaign aims at providing branchless banking services through the use of

technology.

9. Swavalamban Yojana

Swavalamban Yojana seeks to provide pension scheme to the unorganised sector in India. It will be

applicable to all citizens in the unorganised sector who join the National Pension System (NPS)

administered by the Pension Fund Regulatory and Development Authority (PFRDA) Act 2013.

Under the scheme, Government will contribute Rs. 1000 per year to each NPS account opened in the

year 2010-11 and for the next three years, that is, 2011-12, 2012-13 and 2013-14. The benefit will be

available only to persons who join the NPS with a minimum contribution of Rs. 1,000 and maximum

contribution of Rs. 12,000 per annum.

The scheme was announced by the Finance Minister in Budget 2010-11. It will be funded by grants

from the Government of India.

10. ANNAPURNA:

• Under this scheme 10 kg of food grains are provided to BPL households free of cost every month.

• But for this scheme the particular beneficiary shouldn’t be registered with IGNOAPS.

11. Rajiv Awas Yojana (RAY) is an Indian government program that attempts to help slum dwellers

gain appropriate housing and address the processes by which slums are created and reproduced. It

was introduced by the Indian government's Ministry of Housing and Alleviation. The programme is a

Centrally Sponsored Scheme, and will run from 2013 to 2022. This scheme aims to make India slum-

free by 2022 by providing people with shelter or housing, free of cost. It began with a pilot project,

before launching in mission mode. The government earmarked Rs. 32,230 crore for implementation

during India's 12th Five Year Plan. One million beneficiaries are proposed to be covered under Rajiv

Awas Yojana.

Objectives

To improve and provide housing, basic civic infrastructure, and social amenities in intervened slums

To enable reforms by addressing some of the causes leading to the creation of slums


To facilitate a supportive environment for the expansion of institutional credit linkages for the urban poor

To institutionalize mechanisms for the prevention of slums, including the creation of affordable housing stock

To strengthen institutional and human resource capacities at the municipal, city, and state levels through comprehensive capacity building and the strengthening of resource networks

Provisions

Site selection was to be made by the states in consultation with the Centre giving priority to district

headquarters, cities of religious heritage and tourist importance, with due consideration to the

criterion of the pace of growth of the city, of slums within the city and predominance of Scheduled

Caste, Scheduled Tribe and minority population and other weaker and vulnerable section of the

society.

12. IGNOAPS: Indira Gandhi National Old age Pension Scheme

· This Scheme is for the people who aged above 65 years.

· The amount of Rs. 400 per month (Central govt + State govt = Rs. 200 + Rs. 200) will be provided by

both Central

government and State government who aged between 65 – 80 years.

· Rs. 500 per month (Central govt + State govt = Rs. 250 + Rs. 250) for the people who aged more than

80 years.

13. IGNWPS: Indira Gandhi National Widow Pension Scheme

· The beneficiary is in between age group of 40-64 years in this scheme.

· Assistance of Rs. 400 per month (Central govt + State govt = Rs. 200 + Rs. 200) will be given to

particular person.

14. Self-help group (SHG) is a village-based financial intermediary committee usually composed of

10–20 local women or men. A mixed group is generally not preferred. Most self-help groups are

located in India, though SHGs can also be found in other countries, especially in South Asia and

Southeast Asia.

Members make small regular savings contributions over a few months until there is enough capital in

the group to begin lending. Funds may then be lent back to the members or to others in the village for

any purpose. In India, many SHG's are 'linked' to banks for the delivery of micro-credit.

self-help group may be registered or unregistered. It typically comprises a group of micro

entrepreneurs having homogeneous social and economic backgrounds, all voluntarily coming together

to save regular small sums of money, mutually agreeing to contribute to a common fund and to meet

their emergency needs on the basis of mutual help

15. Pradhan Mantri Jan Dhan Yojana

The government rolled out its ambitious financial inclusion programme, the Pradhan Mantri Jan Dhan


Yojana (PMJDY)

The programme is Prime Minister Narendra Modi's first blockbuster social upliftment scheme and is

aimed at improving the lives of millions of India's poor by bringing them into the financial mainstream

and freeing them from the clutches of usurious moneylenders, while giving them a modicum of

insurance cover.

Modi shortened the time for achieving the 7.5 crore new accounts to five months from six, urging the

finance ministry to complete the task by January 26.

Each account with life insurance cover of Rs 30,000, adding to the Rs 1 lakh accidental insurance

benefit already available under the account that will come bundled with a Ru-Pay-enabled debit card.

fter six months of satisfactory operations, the account would be eligible forRs 5,000 overdraft facility,

designed to take the poor out of the clutches of moneylenders. Subsequently, these accounts will be

also used for providing micro pensions.

Key facts

The slogan for the Pradhanmantri Jan Dhan mission is ” Mera Khata – Bhagya Vidhaata” which when

translated into English means ” My Bank Account – The Creator of the Good Fortune”:

The primary aim of the Jan Dhan Yojana is to bring poor financially excluded people into the banking

system by providing them bank accounts and debit cards.

The scheme will cover both urban and rural areas of India and all bank accounts opened will be linked

to a debit card which would be issued under the Ru-Pay scheme. ( Rupay is India’s own unique

domestic card network owned by National Payments Corporation of India and has been created as an

alternative to Visa and Mastercard.)

Every individual who opens a bank account becomes eligible to receive an accident insurance cover of

up-to Rs 1 Lakh for his entire family.

The Pradhan Mantri Jan Dhan Yojana has set an ambitious target of bringing in more than 7.5 crore

un-banked families into India’s banking system by opening more than 15 Crore bank accounts at the

rate of two bank accounts per household.

Once the bank account has been active for 6 months and has been linked to account holders Aadhar

identity , they would become eligible for an overdraft of up to Rs 2,500 , which would further be

enhanced by the bank to Rs 5000 over time.

Accidental Insurance given by- HDFC ergo

Life Insurance by- LIC

16. Union Government launched Deen Dayal Upadhyaya Antyodaya Yojana for urban and rural poor

Deen Dayal Upadhyaya Antyodaya Yojana has two components one for urban India and other for

rural India.

The Urban component will be implemented by the Union Ministry of Housing & Urban Poverty

Alleviation. Rural component named as Deen Dayal Upadhyaya Grameen Kaushalya Yojana will be


implemented by the Union Ministry of Rural Development.

Main Highlights of the Urban Scheme

i. Imparting skills with an expenditure of 15000 rupees to 18000 rupees on each urban poor

ii. Enabling urban poor form Self-Help Groups for meeting financial and social needs with a support of

10000 rupees per each group who would in turn would be helped with bank

linkages.

Main Poins of the Rural Scheme

i. The Yojana aims at training 10 lakh (1 million) rural youths for jobs in three years, that is, by 2017.

ii. The minimum age for entry under the Yojana is 15 years compared to 18 years under the Aajeevika

Skills Programme.

iii. The skills imparted under the Yojana will now be benchmarked against international standards and

will complement

the Prime Minister’s Make In India campaign.

17. Swachh Bharat Mission- is to paveaccess for every person to sanitation facilities including toilets,

solid and liquid waste disposal systems, village cleanliness and safe and adequate drinking water

supply. It ends on 2019

Logo – created by Shri Anant Khasbardar of Kolhapur

The Tagline “Ek Kadam Swachhata Ki Aur” was given by Ms.Bhagyasri Sheth

Aamir Khan as the Brand Ambassador of the Swachh Bharat Mission

Latest Welfare Schemes launched by Narendra Modi Government in

2014



1) Pradhan Mantri Jan Dhan Yojana

Launched on: 28 August 2014

Aim: Ambitious scheme for comprehensive financial inclusion by providing bank

accounts, insurance cover and a debit card to all the citizens of the country.

Ministry/Department in charge of the scheme: Department of Financial Services,

Ministry of Finance

2) Pandit Deendayal Upadhyay Shramev Jayate Karyakram

Launched on: 16 October 2014

Aim: To create an environment conducive to industrial development while also

ensuring transparency in the labour sector.

Ministry/Department in charge of the scheme: Labour Ministry

3) Bal Swachhta Mission

Launched on: 14 November 2014

Aim: Nationwide sanitation initiative for schools as part of Swachh Bharat Mission.

Ministry/Department in charge of the scheme: Ministry of Women and Child

Development.

4) Deen Dayal Upadhyaya Grameen Kaushalya Yojana


Launched on: 25 September 2014

Aim: Aims at training 10 lakh (1 million) rural youths for jobs in three years, that is, by

2017.

Ministry/Department in charge of the scheme: Ministry for Rural Development.

5) Deen Dayal Upadhyaya Antyodaya Yojana for urban and rural poor


Aim: Aims at alleviating urban and rural poverty through enhancement of livelihood

opportunities through skill development and other means.

Ministry/Department in charge of the scheme: Union Ministry of Housing & Urban

Poverty Alleviation & Union Ministry of Rural Development.

6) Digital life certificate 'Jeevan Pramaan' for pensioners

Launched on: 11 November 2014

Aim: Retired employees of government and PSUs can now digitally provide proof of

his existence to authorities for continuity of pension every year instead of requiring to

present himself physically or through a Life Certificate issued by specified authorities.

Ministry/Department in charge of the scheme: Department of Electronics and IT

7) Swachh Bharat Abhiyan (Clean India Campaign)

Launched on: 2 October 2014


Aim: National level campaign by the Government of India covering 4041 statutory

towns to clean the streets, roads and infrastructure of the country. Aims to

accomplish the vision of 'Clean India' by 2 October 2019, 150th birthday of Mahatma

Gandhi.

Ministry/Department in charge of the scheme: All Ministries & Departments.

8) ‘Make in India’ global initiative


Aim: Aims to boost India`s manufacturing sector.

Union government on 19 November 2014 relaunched the erstwhile popular small

savings instrument Kisan Vikas Patra (KVP) to encourage people to save more and

keep them off fraudulent schemes. Here are the things you should know about the

scheme.



* Kisan Vikas Patra savings scheme was originally launched in 1988. The maturity

period of the scheme when launched was five and half years and the money invested

doubled on maturity. KVP was a popular saving scheme that doubled the money

invested in eight years and seven months.

* However, KVP was discontinued by the UPA government in 2011 following the

Shyamala Gopinath Committee report. It had suggested that KVPs may be

discontinued as they are prone to misuse.

* In the newly launched scheme amount invested in Kisan Vikas Patra would get

doubled in 100 months or eight years and four months. This means KVPs would be

giving a return of 8.7 per cent annually. This is in line with 8.70 per cent per annum

interest rate offered by another popular savings instrument public provident fund

(PPF).

* However, investors would not get any tax benefit for their investment in Kisan Vikas

Patra unlike in PPF.

* The Kisan Vikas Patra certificates would be available in the denominations of Rs

1,000, 5,000, 10,000 and 50,000 and there is no upper limit on investment in KVPs.

* Kisan Vikas Patra certificates can be encashed after a lock-in period of 30 months or

2 years and 6 months. Thereafter, investors can withdraw in any block of six months.


* Kisan Vikas Patra certificates can be issued in single or joint names and can be

transferred from one person to any other person/persons, multiple times.

* The facility of transfer from one post office to another anywhere in India and of

nomination will be available.

* Kisan Vikas Patra certificates can also be pledged as security to avail loans from the

banks.

* Initially, the Kisan Vikas Patra certificates will be sold through post offices, but later

on they will be made available to the through designated branches of nationalised

banks.

* Kisan Vikas Patra was very popular among the investors and the percentage share of

gross collections secured in KVP was in the range of 9 per cent to 29 per cent against

the total collections received under all National Savings Schemes in the country. Gross

collections under Kisan Vikas Patra in 2010-11 were Rs. 21631.16 crore which was 9

per cent of the total gross collections during the year. Kisan Vikas Patra scheme was

withdrawn in 2011.


1. M.P. Bezbaruah: to suggest suitable remedial measures to address concerns regarding security of people from North East. 2. B. Sambamurthy: panel favours single mobile banking app on all SIMs. Panel recommended that customers should not be required to visit the bank branch for mobile number registration. 3. Vijay Kelkar Committee was appointed by the Petroleum and Natural Gas Ministry to prepare a road map to make India self-sufficient in oil and natural gas by 2030. 4. Deepak Mohanty Committee: on Data and Information Management in the Reserve Bank of India 5. K. K. Mehrotra Committee: to inquire gas leakage in Bhilai Steel Plant. 6. P.J. Nayak: to review Governance of Boards of Banks in India. The committee was constituted under the chairmanship of P. J. Nayak. He is a former Chairman and CEO of Axis Bank. 7. Nachiket Mor Committee: to permits NBFCs to work as Business Correspondents of banks. 8. Vishnu Sahay committee: look probe into the Muzaffarnagar communal violence. 9. Urjit Patel Committee : to examine the current monetary policy framework. 10. Mukul Mudgal member panel to probe IPL spot‐fixing. 11. Nachiket Mor : committee on comprehensive financial services for small businesses and low‐income households. 12. Justice A.P. Shah committee : to head panel on road safety 13. Anil Kaushal committee: to examine the recommendations made by the TRAI on pricing of Spectrum. 14. Bimal Jalan panel : to scrutinize applications for new bank licenses. 15. Parthasarathi Shome. – for Tax Administration Reform Commission (TARC), Suggest a system to enforce better tax compliance 16. Kirit Parikh panel : on fuel pricing has suggested that the diesel prices should be increased by Rs.1-1.50 a litre every month as against the 45-50 paise monthly hike followed currently. 17. K U.B. Rao : the idea of setting up Bullion Bank or Bullion Corporation of India 18. Arvind Mayaram Panel: report on the alleged irregularities at the National Spot Exchange Ltd (NSEL) 19. Arvind Mayaram Committee –for giving clear definitions to Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII) 20. Suma Verma Committee : to update, and revise the Banking Ombudsman Scheme, 2006 21. Damodran Committee: on improvement of customer services in banks 22. Shri M. Narasimham Committee: on Banking Sector Reforms 23. Shri K.U.B. Rao Committee: recommended aligning gold import regulations 24. K M Chandrasekhar committee : for rationalization of foreign investment norms 25. Shri Pulak Kumar Sinha Committee: to study the feasibility of Aadhaar as an additional factor for authentication of card present transactions.


***********************************

1) RBI – The Reserve Bank of India is the apex bank of the country, which was constituted under the RBI Act, 1934 to regulate the other banks, issue of bank notes and maintenance of reserves with a view to securing the monetary stability in India.

2) Demand Deposit – A Demand deposit is the one which can be withdrawn at any time, without any notice or penalty; e.g. money deposited in a checking account or savings account in a bank.

3) Time Deposit – Time deposit is a money deposit at a banking institution that cannot be withdrawn for a certain "term" or period of time. When the term is over it can be withdrawn or it can be held for another term.

4) Fixed Deposits – FDs are the deposits that are repayable on fixed maturity date along with the principal and agreed interest rate for the period. Banks pay higher interest rates on FDs than the savings bank account.

5) Recurring Deposits – These are also called cumulative deposits and in recurring deposit accounts, a certain amounts of savings are required to be compulsorily deposited at specific intervals for a specified period.

6) Savings Account – Savings account is an account generally maintained by retail customers that deposit money (i.e. their savings) and can withdraw them whenever they need. Funds in these accounts are subjected to low rates of interest.

7) Current Accounts – These accounts are maintained by the corporate clients that may be operated any number of times in a day. There is a maintenance charge for the current accounts for which the holders enjoy facilities of easy handling, overdraft facility etc.

8) FCNR Accounts – Foreign Currency Non-Resident accounts are the ones that are maintained by the NRIs in foreign currencies like USD, DM, and GBP etc. The account is a term deposit with interest rates linked to the international rates of interest of the respective currencies.

9) NRE Accounts – Non-Resident External accounts are the ones in which NRIs remit money in any permitted foreign currency and the remittance is converted to Indian rupees for credit to NRE accounts. The accounts can be in the form of current, saving, FDs, recurring deposits. The interest rates and other terms of these accounts are as per the RBI directives.


10) Cheque Book - A small, bound booklet of cheques. A cheque is a piece of paper produced by your bank with your account number, sort-code and cheque number printed on it. The account number distinguishes your account from other accounts; the sort-code is your bank's special code which distinguishes it from any other bank.

11) Cheque Clearing - This is the process of getting the money from the cheque-writer's account into the cheque receiver's account.

12) Clearing Bank - This is a bank that can clear funds between banks. For general purposes, this is any institution which we know of as a bank or as a provider of banking services.

13) Bounced Cheque - when the bank has not enough funds in the relevant account or the account holder requests that the cheque is bounced (under exceptional circumstances) then the bank will return the cheque to the account holder.

14) Credit Rating - This is the rating which an individual (or company) gets from the credit industry. This is obtained by the individual's credit history, the details of which are available from specialist organisations like CRISIL in India.

15) Credit-Worthiness - This is the judgement of an organization which is assessing whether or not to take a particular individual on as a customer. An individual might be considered credit-worthy by one organisation but not by another. Much depends on whether an organization is involved with high risk customers or not.

16) Interest - The amount paid or charged on money over time. If you borrow money interest will be charged on the loan. If you invest money, interest will be paid (where appropriate to the investment).

17) Overdraft - This is when a person has a minus figure in their account. It can be authorized (agreed to in advance or retrospect) or unauthorized (where the bank has not agreed to the overdraft either because the account holder represents too great a risk to lend to in this way or because the account holder has not asked for an overdraft facility).

18) Payee - The person who receives a payment. This often applies to cheques. If you receive a cheque you are the payee and the person or company who wrote the cheque is the payer.

19) Payer - The person who makes a payment. This often applies to cheques. If you write a cheque you are the payer and the recipient of the cheque is the payee.

20) Security for Loans - Where large loans are required the lending institution often needs to have a guarantee that the loan will be paid back. This takes the form of a large item of capital outlay (typically a house) which is owned or partly owned and the amount owned is at least equivalent to the loan required.


21) Internet Banking - Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by the bank.

22) Credit Card - A credit card is one of the systems of payments named after the small plastic card issued to users of the system. It is a card entitling its holder to buy goods and services based on the holder's promise to pay for these goods and services.

23) Debit Card – Debit card allows for direct withdrawal of funds from customers bank accounts. The spending limit is determined by the available balance in the account.

24) Loan - A loan is a type of debt. In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. There are different kinds of loan such as the house loan, auto loan etc.

25) Bank Rate - This is the rate at which central bank (RBI) lends money to other banks or financial institutions. If the bank rate goes up, long-term interest rates also tend to move up, and vice-versa.

26) CRR - Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with RBI. If RBI decides to increase the percent of this, the available amount with the banks comes down. RBI is using this method (increase of CRR rate), to drain out the excessive money from the banks.

27) SLR - SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities. Thus, we can say that it is ratio of cash and some other approved to liabilities (deposits). It regulates the credit growth in India.

28) ATM - An automated teller machine (ATM) is a computerised telecommunications device that provides the clients with access to financial transactions in a public space without the need for a cashier, human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVV. Authentication is provided by the customer entering a personal identification number (PIN)

29) REPO RATE: - Under repo transaction the borrower places with the lender certain acceptable securities against funds received and agree to reverse this transaction on a predetermined future date at agreed interest cost. Repo rate is also called (repurchase agreement or repurchase option).


30) REVERSE REPO RATE: is the interest rate earned by the bank for lending money tothe RBI in exchange of govt. securities or "lender buys securities with agreement to sell them back at a predetermined rate".

31) CASH RESERVE RATIO: specifies the percentage of their total deposits the commercial bank must keep with central bank or RBI. Higher the CRR lower will be the capacity of bank to create credit.

32) SLR: known as Statutorily Liquidity Ratio. Each bank is required statutorily maintain a prescribed minimum proportion of its demand and time liabilities in the form of designated liquid asset. OR "Every bank has to maintain a percentage of its demand and time liabilities by way of cash, gold etc".

33) BANK RATE: is the rate of interest which is charged by RBI on its advances to commercial banks. When reserve bank desires to restrict expansion of credit it raises the bank rate there by making the credit costlier to commercial bank.

34) OVERDRAFT: It is the loan facility on customer current account at a bank permitting him to overdraw up to a certain agreed limit for a agreed period ,interest is payable only on the amount of loan taken up.

35) PRIME LENDING RATE: It is the rate at which commercial banks give loan to its prime customers.

36) IFSC: IFSC stands for Indian Financial System Code. It is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. ii. This is an 11 digit code with the first 4 alpha characters representing the bank, The 5th character is 0 (zero) and the last 6 characters representing the bank branch. iii. IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.

For ex: SBIN0015986 : (a) First 4 character SBIN – refers to State Bank of India. (b) 0 is a control number. (c) Last six characters (015986) represents the SBI branch name.

37) MICR : MICR stands for Magnetic Ink Character Recognition. MICR Code is a 9 numeric digit code which uniquely identifies a bank branch participating in the ECS Credit scheme. MICR code consists of 9 digits e.g 400229128 i. First 3 digits represent the city (400) ii. Next 3 digits represent the bank (229) iii. Last 3 digits represent the branch (128)


The MICR Code allotted to a bank branch is printed on the MICR band of cheque leaves issued by bank branches.

38) Cheque Truncation: i. Truncation is the process of stopping the flow of the physical cheque issued by a drawer at some point with the presenting bank en-route to the drawee bank branch. ii. In its place an electronic image of the cheque is transmitted to the drawee branch by the clearing house, along with relevant information like data on the MICR band, date of presentation, presenting bank, etc. iii. Cheque Truncation speeds up the process of collection of cheques resulting in better service to customers, reduces the scope for clearing-related frauds or loss of instruments in transit, lowers the cost of collection of cheques, and removes reconciliation-related and logistics-related problems, thus benefiting the system as a whole

Budget- Budget is the estimation of income and expenditure. Budget is prepared for proper and systematic development. Budget is represented in 3 ways- 1. Income > expenditure= surplus 2. Income = expenditure= balance budget 3. Income < expenditure = deficit budget Note - India's budget is always deficit because India is a developing country. Sources of Money for Government - 1. Loan from RBI 2. Government securities 3. Loan from Asian development Bank and world bank Categories of Budget - 1. Gender Budget 2. Zero base Budget 3. Outcome Budget 4. Traditional Budget 5. Performance Budget 6. Interim Budget 1. Gender Budget - When budget is female oriented is called gender budget. 2. Zero base Budget - When government form budget without considering last years budget performance that is called zero base budget.


3. Outcome Budget - When budget is result oriented(means particular sector growth related). 4. Traditional Budget - When income estimated and expenditure fixed is called Traditional budget. 5. Performance Budget - When government form budget with considering last year budget. 6. Interim Budget - Year 2014-15 budget is interim budget. When government is not able to prepare budget for full year is called interim budget. Example in election times , in wars. Interim Budget is for 4 months. Note - First time budget was represented by Robert woolpoul in 1773 in U.K. Bugat is a french word for Budget. In India under Constitution Article 112 government present Union Budget. In constitution of India "Annual Financial Statement" is mentioned in place of budget. State Legislative Assemble present their budget by article 202. India's First Budget was presented by James Wilson in 1860 when lord canning is viceroy of India. In 1921 Edward committee recommend to divide budget in two parts - 1. Rail Budget 2. Union Budget First Independent India's Budget presented by Mr. R. K kshadmugam chatti (it is first interim budget) in November 1947. First Republic India's Budget presented by Mr. John Mathei.

1) Minority Affairs Secretary – Arvind Mayaram 2) CEO of TATA-AIA life insurance company - Naveen Tahilyani 3) Head of Future Earth Engagement Committee - Jayram Ramesh 4) Maharastra Chief Minister - Devendra Fadnavis 5) Chairperson of Prasar Bharati - Surya Prakash 6) MD, Adidas group India - Dave Thomas 7) US ambassador to Sweden - Ajitha Raji 8) Chairman of CBEC - Kaushal Srivastava 9) Chief of core Google products - Sundra Pichai 10) COO, WALMART India - Murali Lanka


11) President of Hockey India - Narinder Batra 12) Haryana Chief Minister - Manohar Lal Khattar 13) President of Indonesia - Joko Widodo 14) Chief Economic Advisor of India - Arvind Subramanian 15) Coal Secretary - Anil Swaroop 16) Economic affairs secretary - Rajiv Mehershi 17) MD of CPCL - Gautham Roy 18) Prime Minister of Yemen - Khaled Bahah 19) First woman director of HUL - Kalpana Morparia 20) CEO, Jet Airways - Cramer Ball 21) MD, Nissan India - Arun Malhotra 22) Secretary General of Independent Commission on Multilateralism- Hardeep Singh Puri 23) Inter Service Intelligence (ISI) Pakistan - Rizwan Akhtar 24) Chairman of Audit Beaureu of Circulation - Amit Mathew 25) MD ad CEO of Kerala based South Indian Bank - V.G. Mathew 26) Tamil Nadu Chief Minister - O. Paneerselvam 27)PFRDA Chairman - Hemant Contractor

1. Chief Economic Advisor – Siddharth Tiwari

2. Chief Election Commissionor – V.S.Sampath

3. RBI – Raghu Ram Rajan

4. RAW – Alok Joshi

5. SBI – Arundhyuti Bhattyacharya


6. SEBI – U.K. Sinha

7. IB – Saiyad Ashif Ibrahim

8. IBPS – Mr.Anup Sankar Bhattacharya

9. IRDA – T.S.Vijayan

10. ISRO – Dr. K. Radhakrishnan

11. NABARD – Dr. Harsh Kumar Bhanwala

12. NASSCOM – R. Chandrasekhar

13. SSC – Amitava Bhattacharyya

14. TRAI – Rahul Khullar

15. UGC – Ved Prakash

16. UPSC – Smt. Rajni Razdan

17. DRDO – Avinash Chander

18. FICCI – Sidharth Birla

19. ASSOCHAM – Rana Kapoor

20. CAG – Shashi Kant Sharma

21. CBDT – K.V. Chaudhary

22. CBI – Ranjeet Sinha

23. CCI – Ashok Chawla

24. National Commission for women – lalita kumarmanglam

25. National Innovation Commission – Sam Pitroda

26. National Security Advisor – Ajit Kumar Doval


27. Press Trust of India – K N Shanth Kumar

28. Attorney General of India – Mukul Rohatgi

29. Bombay Stock Exchange – Ashish Kr. Chauhan

29. National Stock Exchange – Chitra Ramkrishna

30. Press Council of India -markanday katzu

1. Afghanistan — Afghan Afghani

2. Albania — Albanian Lek

3. Algeria — Algerian dinar

4. Andorra — European euro

5. Angola — Angolan Kwanza

6. Anguilla — East Caribbean dollar

7. Antigua and Barbuda — East Caribbean dollar

8. Argentina — Argentine peso

9. Armenia — Armenian dram

10. Aruba — Aruban florin

11. Australia — Australian dollar

12. Austria — European euro

13. Azerbaijan — Azerbaijani Manat

14. Bahamas — Bahamian dollar

15. Bahrain — Bahraini Dinar

16. Bangladesh — Bangladeshi Taka

17. Barbados — Barbadian Dollar

18. Belarus — Belarusian ruble

19. Belgium — European Euro

20. Belize — Belize Dollar

21. Bhutan — Bhutanese Ngultrum

22. Bolivia — Bolivian Boliviano

23. Bosnia—Herzegovina — Bosnia and

Herzegovina Konvertibilna Marka

24. Botswana — Botswana Pula

25. Brazil — Brazilian Real

26. Brunei — Brunei Dollar


27. Bulgaria — Bulgarian Lev

28. Burkina Faso — West African Franc

29. Burundi — Burundi Franc

30. Cambodia — Cambodian Riel

31. Cameroon — Central African franc

32. Canada — Canadian Dollar

33. Cape Verde — Cape Verdean Escudo

34. Cayman Islands — Cayman Islands Dollar

35. Central African Republic — Central African Franc

36. Chad — Central African franc

37. Chile — Chilean Peso

38. China — Chinese Renminbi

39. Colombia — Colombian Peso

40. Comoros — Comorian Franc

41. Congo — Central African Franc

42. Congo Democratic Republic — Congolese Franc

43. Costa Rica — Costa Rican Colon

44. Côte d'Ivoire — West African Franc

45. Croatia — Croatian Kuna

46. Cuba — Cuban Peso

47. Cyprus — European euro

48. Czech Republic — Czech Koruna

49. Denmark — Danish Krone

50. Djibouti — Djiboutian Franc

51. Dominica — East Caribbean Dollar

52. Dominican Republic — Dominican Peso

53. East Timor — uses the U.S. Dollar

54. Ecuador — uses the U.S. Dollar

55. Egypt — Egyptian Pound

56. El Salvador — uses the U.S. Dollar

57. Equatorial Guinea — Central African franc

58. Eritrea — Eritrean Nakfa

59. Estonia — Estonian Kroon

60. Ethiopia — Ethiopian Birr

61. Falkland Islands — Falkland Islands Pound

62. Fiji — Fijian Dollar

63. Finland — European Euro

64. France — European Euro

65. French Polynesia — Franc

66. Gabon — Central African franc


67. Gambia — Gambian Dalasi

68. Georgia — Georgian lari

69. Germany — European euro

70. Ghana — Ghanaian Cedi

71. Gibraltar — Gibraltar Pound

72. Greece — European Euro

73. Grenada — East Caribbean Dollar

74. Guatemala — Guatemalan Quetzal

75. Guinea — Guinean Franc

76. Guinea—Bissau — West African Franc

77. Guyana — Guyanese Dollar

78. Haiti — Haitian Gourde

79. Honduras — Honduran Lempira

80. Hong Kong — Hong Kong Dollar

81. Hungary — Hungarian Forint

82. Iceland — Icelandic Króna

83. India — Indian Rupee

84. Indonesia — Indonesian Rupiah

85. Iran — Iranian Rial

86. Iraq — Iraqi Dinar

87. Ireland — European Euro

88. Israel — Israeli new Sheqel

89. Italy — European Euro

90. Jamaica — Jamaican Dollar

91. Japan — Japanese Yen

92. Jordan — Jordanian Dinar

93. Kazakhstan — Kazakhstani Tenge

94. Kenya — Kenyan Shilling

95. Kiribati — Australian Dollar

96. Korea North — North Korean Won

97. Korea South — South Korean Won

98. Kuwait — Kuwaiti Dinar

99. Kyrgyzstan — Kyrgyzstani Som

100. Laos — Lao Kip

101. Latvia — Latvian Lats

102. Lebanon — Lebanese Lira

103. Lesotho — Lesotho Loti

104. Liberia — Liberian Dollar

105. Libya — Libyan Dinar

106. Liechtenstein — uses the Swiss Franc


107. Lithuania — Lithuanian Litas

108. Luxembourg — European Euro

109. Macau — Macanese Pataca

110. Macedonia (Former Yug. Rep.) —

Macedonian Denar

111. Madagascar — Malagasy Ariary

112. Malawi — Malawian Kwacha

113. Malaysia — Malaysian Ringgit

114. Maldives — Maldivian Rufiyaa

115. Mali — West African Franc

116. Malta — European Euro

117. Mauritania — Mauritanian Ouguiya

118. Mauritius — Mauritian Rupee

119. Mexico — Mexican Peso

120. Micronesia — uses the U.S. Dollar

121. Moldova — Moldovan Leu

122. Monaco — European Euro

123. Mongolia — Mongolian Tugrik

124. Montenegro — European Euro

125. Montserrat — East Caribbean Dollar

126. Morocco — Moroccan Dirham

127. Mozambique — Mozambican Metical

128. Myanmar — Myanma Kyat

129. Namibia — Namibian Dollar

130. Nauru — Australian Dollar

131. Nepal — Nepalese Rupee

132. Netherlands Antilles — Netherlands

Antillean Gulden

133. Netherlands — European Euro

134. New Caledonia — Franc

135. New Zealand — New Zealand Dollar

136. Nicaragua — Nicaraguan Cordoba

137. Niger — West African Franc

138. Nigeria — Nigerian Naira

139. Norway — Norwegian Krone

140. Oman — Omani Rial

141. Pakistan — Pakistani Rupee

142. Palau — uses the U.S. Dollar

143. Panama — Panamanian Balboa

144. Panama Canal Zone — uses the U.S. Dollar


145. Papua New Guinea — Papua New Guinean Kina

146. Paraguay — Paraguayan Guarani

147. Peru — Peruvian Nuevo Sol

148. Philippines — Philippine Peso

149. Poland — Polish Zloty

150. Portugal — European Euro

151. Puerto Rico — uses the U.S. Dollar

152. Qatar — Qatari Riyal

153. Romania — Romanian Leu

154. Russia — Russian Ruble

155. Rwanda — Rwandan Franc

156. Saint Helena — Saint Helena Pound

157. Saint Kitts and Nevis — East Caribbean Dollar

158. Saint Lucia — East Caribbean Dollar

159. Saint Vincent and the Grenadines — East Caribbean Dollar

160. Samoa (Western) — Samoan Tala

161. San Marino — European Euro

162. Sao Tome and Principe — Sao Tome and Principe Dobra

163. Saudi Arabia — Saudi Riyal

164. Senegal — West African Franc

165. Serbia — Serbian Dinar

166. Seychelles — Seychellois Rupee

167. Sierra Leone — Sierra Leonean Leone

168. Singapore — Singapore Dollar

169. Slovakia — Slovak Koruna

170. Slovenia — European Euro .

171. Solomon Islands — Solomon Islands Dollar

172. Somalia — Somali Shilling

173. South Africa — South African Rand

174. South Sudan — Sudanese Pound

175. Spain — European Euro

176. Sri Lanka — Sri Lankan Rupee

177. Sudan — Sudanese Pound

178. Suriname — Surinamese Dollar

179. Swaziland — Swazi Lilangeni

180. Sweden — Swedish Krona

181. Switzerland — Swiss Franc

182. Syria — Syrian pound


183. Taiwan — New Taiwan Dollar

184. Tajikistan — Tajikistani Somoni

185. Tanzania — Tanzanian Shilling

186. Thailand — Thai Baht

187. Togo — West African franc

188. Tonga — Paanga

189. Trinidad and Tobago — Trinidad and Tobago Dollar

190. Tunisia — Tunisian Dinar

191. Turkey — Turkish new Lira

192. Turkmenistan — Turkmen Manat

193. Tuvalu — Australian Dollar

194. Uganda — Ugandan Shilling

195. Ukraine — Ukrainian Hryvnia

196. United Arab Emirates — Dirham

197. United Kingdom — British Pound

198. United States of America — United States Dollar

199. Uruguay — Uruguayan Peso

200. Uzbekistan — Uzbekistani Som

201. Vanuatu — Vanuatu Vatu

202. Vatican — European Euro

203. Venezuela — Venezuelan Bolivar

204. Vietnam — Vietnamese Dong

205. Wallis and Futuna Islands — Franc

206. Yemen — Yemeni Rial

207. Zambia — Zambian Kwacha

208. Zimbabwe — Zimbabwean Dollar

USA - Baseball

Spain - Bull Fighting

Canada - Ice Hockey

New Zealand - Rugby Union

India - Hockey

Bangladesh - Kabbadi

Srilanka - Volley ball

Russia - Football and Chess

China - Table Tennis

Brazil - Football


France - Football

England - Cricket

Japan - Judo

Australia - Cricket

Pakistan - Hockey

Malaysia - Badminton

Scotland - Rugby Football

Indonesia - Badminton

Bhutan - Archery

Switzerland - Shooting and Gymnastics

Turkey - Wrestling and Jereed

_______________________________________________

1. Headquarters of Food and Agricultural

Organisation (FAO) is in >>>> Rome

2. Headquarters of International Labour

Organisation (ILO) is in >>>> Geneva

3. Headquarters of World Health Organisation

(WHO) is in >>>> Geneva

4. Headquarters of World meteorological

Organisation (WMO) is in >>>> Geneva

5. Headquarters of International

Telecommunication Union (ITD) is in >>>> Geneva

6. Headquarters of International Monetary Fund

(IMF) is in >>>> Washington

7. Headquarters of International Finance

Corporation (IFC) is in >>>> Washington

8. Headquarters of International Bank For

Reconstruction and Development (IBRD) or

World Bank is in >>>> Washington

9. Headquarters of International Civil Aviation

Organisation (ICAO) is in >>>> Montreal

10. Headquarters of United Nations Educational

Scientific and Cultural Organisation (UNESCO) is

in >>>> Paris

11. Headquarters of United Nations

International Children's Emergency Fund (UNICEF) is in >>>> New York

12. Headquarters of Inter-governmental


Maritime Consultative Organisation (IMCO) is in >>>> London

13. Headquarters of International Atomic Energy

Agency (IAEA) is in >>>> Vienna

14. Headquarters of United Nations Industrial Development Organizations (UNIDO) is in >>>> Vienna,

(Austria)

15. Headquarters of United Nations Fund for

Population Activities (UNFPA) is in >>>> New York

16. Headquarters of United Nations Development Programme (UNDP) is in >>>> New York

17. Headquarters of United Nations High Commissioner for Refugees (UNHCR) is in >>>> Geneva

(Switzerland)

18. Headquarters of United Nations Environment Programme (UNEP) is in >>>> Nairobi (Kenya)

19. Headquarters of Universal Postal Union (UPU) is in >>>> Berne (Switzerland)

1. What is the capital of Guyana? - Georgetown

2. National Journalism Day is observed on which day every year? - 17 November

3. Apollo Hospitals tied up with Pharma firm - Sanofi

4. Mohammad Ghouse, passed away in Chennai. He was associated with which sports? - Cricket

5. Expand COMPAT - Competition Appellate Tribunal

6. Indian men hockey team clinched gold after how many years in Asian Games? - 16 years

7. India won how many gold medals in 17th Asian games? - 11

8. Expand TS GENCO – Telangana State Power Generation Corporation

9. Who is Michael Phelps? - US swimmer

10. Indian Railways on 10 October 2014 celebrated its ……… Annual Railway National Awards - 59th

11. PM Narendra Modi addressed Indian-Americans at world famous Madison Square Garden.Madison Square Garden is situated in which city? - New York


12. J. Jayalalithaa became first incumbent chief minister to be convicted for corruption and was sentenced for 4 years in Jail .She was the chief minister of ____________ state? - Tamil Nadu

13. The Vision Statement is issued by - India and US

14. Kailash Satyarthi is associated with _______movement? - Bachpan Bachao Andolan

15. Who is the author of the Book " The shadow lines"? - Amitav Ghosh

16. According to Union Budget 2014-15, how many IIMs to be opened? - 5

17. In railway budget 2014-15, Cleanliness budget up by how many per cent over last year? - 40%

18. FDI limit in Civil Aviation - 49%.

19. Census 2011, was the 15th Census of India and …… Census after Independence. - 7th

20. Headquarter of Indian bank is situated in __________ city? - Chennai

21. Who is the current road, transport, highways and shipping minister? - Nitin Gadkari

22. ECB stands for-External Commercial Borrowings

23. Wimbledon Cup is related to _______ game ? - Lawn tennis

24. Currency of Malaysia is - Ringgit

25. EPS in share market stands for - Earnings Per Share

26. Who is authorized to permit premature closure of PPF A/c? - Chairman of concerning Bank

27. The objective of Government to appoint Narasimham Committee is - to strengthen the banking system

28. When was NABARD established? - July 12, 1982

29. _________ cities in India has become the world’s second most populous city in 2014 after Tokyo, according to a UN report released recently? - Delhi

30. Recently who has become the first player of Indian origin to be a part of the National Basketball Association (NBA)? - Sim Bhullar


31. Who is the present Global Goodwill Ambassador of UNICEF? - Sachin Tendulkar

32. ___________ is an e-Commerce solution of National Payments Corporation of India (NPCI)? - RuPay Debit Cards

33. Recently SBI signed _______ line of credit with Export Import Bank of India. - 500 million dollars

34. _________ highest urban population? - Maharashtra

35. Japan has sea-conflict with _________ country? - China

36. ________ signed an agreement with the Kochi Metro Rail Ltd. for a loan of Rs. 1,170 crore? - Canara Bank

37. Recently former President of the United States of America Bill Clinton visited Jabrouli village, near Lucknow, on an awareness mission on - diarrhea

38. India has inked a loan agreement with World Bank for an assistance of ____for the Odisha Disaster Recovery Project. - $153 million 39. For the safety and welfare of women how much money has been provided for Beti Bachao Beti Padhao Yojana to generate awareness on the issues? - Rs. 100 crores

40. ___was conferred “Best Bank – Public Sector” award in BFSI Awards-2014 by World HRD Congress, recently? - Bank of Maharashtra

41. What is Current Repo Rate? - 8%

42. Recently Priyanka Chopra played a role of Mary Kom in a movie, who is Mary kom? - Boxer

43. Expand DBT - Direct Benefit Transfer

44. Lisbon is the capital of – Portugal

45. Currency of Saudi Arabia - Riyal

46. What is ‘C’ in KYC? - Customer

47. What is ‘I’ in REIT? - Investment

48. Mary Barra who recently visited India is the CEO of – General Motors


49. According to RBI norms, what is minimum capital required for foriegn banks to open subsidaries in India? - Rs 500 Crores

50. 17th Asian Games were held at- Incheon

51. ‘Together we can’ is slogan of ________? - Canara Bank 52. “Pahla kadam , pahli udan” account is launched by ______ ? - SBI

53. Bank formed by Brics is known as - New Development Bank

54. SEBI extended guide line to appoint at least one women in board of director by - 31march 2015

55. Upallu Srinivas who died recently is a renowned – Madolin Player

56. RBI has recently reduced ATM transaction from 5 to 3, on _______ accounts it is not applicable? - BSBDA

57. Pension scheme for rural and unorganised sector is - Swavalamban

58. Card launched by Indian Railway to avoid payment transaction during ticket booking is - Go India smart Card

59. Government clears disinvestment in 3 PSU’s for the sum of Rs 44,000 crores, _________ is one of them? - ONGC

60. Cantolania referendum is a part of _______? - Spain

61. Rupay card is used by which type of banks? - All scheduled commercial banks

62. Current Prime Minister of UK is - David Cameroon

63. Who was the Indian cricket team coach in the recent debacle against England in the investec test series? - Duncan Fletcher

64. Shivasundram hydro power project is stated in which state ? - Karnataka

65. _________ has launched premium credit cards exclusively for women scheme? - HDFC Bank

66. The upper limit that can be deposited in PPF account has increased to – Rs 2 lac

67. “And Then One Day” novel is authored by – Naseeruddin Shah

68. _________ has not been conferred with Padma Shri awards? - Raghunath Mashelkar


69. Bhamashah Financial Empowerment scheme is launched by the government of which of the following states? - Rajasthan

70. _________ states in India has the highest rural population? - Sikkim

71. The minimum paid up capital required for both small and payment banks is – Rs 100 crores

72. Limit for FDI in multibrand is - 51%

73. _________ banks has signed 500 million dollar line of credit EXIM bank of Korea? - SBI

74. Committee formed to review the investment guidelines for national pension schemes in the private sector – G.N. Bajpai Committee

75. As per HSBC report India will become the fifth largest exporter by the year - 2030

76. Asia’s first ballistic Research Centre is to be opened in – India

77. The book ‘Lajja’ is authored by – Taslima Nasrim

78. Name the French Foreign Minister who recently visited India. - Laurent Fabris

79. ‘Economic Outlook Report’ is published by which of the following organisations? - IMF

80. India’s first Kisan Mandi is to be set up in – Delhi

81. Jan Dhan yojna additional insurance coverage is provided by which organization? - HDFC

82. What is the tagline of United bank of India? - The Bank that begins with U.

83. BSBDA is related with which of the following field? - Banking

84. Which is the Largest desert in the world? - Sahara

85. Who is Lieutenant Governor of Delhi? - Najeeb Jung

86. Hanoi is the capital of –Vietnam

87. Who is the author of Half girlfriend? - Chetan Bhagat

88. PMGSY full form-Pradhan Mantri Gram Sadak Yojana

89. What is the Currency of China? - yuan


90. What is the maximum amount in PPF? - Rs 150000

91. Kudankulam Nuclear power plant is situated in which state? - Tamil Nadu

92. Who is the Director of Finding Fanny? - Homi Adajania

93. What is the Maximum limit of RTGS? - No limit

94. Pre shipment and post shipment is related with which finance? - Export finance

95. State with lowest population, according to census 2011? - Sikkim

96. RBI release draft Guidelines for Licensing of Payments Banks and Small Banks.What is the capital of these banks? - Rs 100 crore

97. RRCAT is located in which state? - Madhya Pradesh

98. Individual Borrower can check their credit report from –CIBIL

99. EBT full form-Electronic Benefits Transfer

100. Bank license given to which NBFCs ? - Bandhan and IDFC 101. Which one of the following is not regulator(Options - RBI,SEBI,CERN,IRDA) ? - CERN 102. Rohan Bopanna related to which sport ? - Tennis 103. Which line divides America and Canada- ? 49th parallel 104. What is the nick name of Korea ? - Land of morning calm 105. 2014 is recognised as completion of 100 years of which war ? - World War - I 106. Angela Merkel is related to which country ? - Germany 107. Who is the chairman of committee related to Gas pricing ? -Vijay Kelkar 108. What is the expanded form of PLO - Palestine liberation organization 109. African union is fighting with which terrorist organisation ?- Boko haram 110. Donna Trott has authored the book titled as ? - The goldfinch 111. What is the range of Bramhos missile ? - 290Km 112. Currency of Bhutan? - Ngultrum 113. New Governor of Haryana ? - Kaptan Singh Solanki 114. Jarawa tribe belongs to ? - Andaman and Nicobar islands 115. Who is the Minister of state for IT & Broadcasting? - Prakash Javdekar 116. What is the Literacy rate of Bihar according to 2011 census? - 63.82% 117. Mary kom movie produced by Sanjay Leela Bhansali is written by : Saiwyn Quadras 118. Currency of Sri lanka ? - Sri Lanka Rupee 119. Capital of Kuwait ?- Kuwait city 120. Power, Coal and renewable energies minister in the current government ? - Piyush Goyal 121. Currency of Vatican City ? - Euro 122. Gagan Narang won medal in Commonwealth in which shooting event? - 50 m air rifle


event 123. What are the number of Nationalized Banks in India after nationalization of BMB? - 21 124. Davis Cup related to which sport ?- Lawn Tennis 125. Which country topped CWG 2014 Medal tally ? - England 126. New Deputy Governer of RBI S S Mundra replaced whom ? - K C Chakraborty 127. Which among the following is a banking term ? - CRR 128. Which of the following is an Indirect Tax ? - Service Tax 129. Controller of Mutual Fund ? - SEBI 130. Full form of CFL? - Compact fluorescent lamp 131. Cerebral hemorrhage caused by deficiency of which vitamin? - Vitamin K 132. Capital of Sierra Leon? - Freetown 133. Minister of Parliament Affairs: Venkaiah Naidu 134. Hepatitis day: 28 July 135. 17th NAM Summit will be held in: Venezuela 136. In Common wealth Games 2014 Abhinav Bindra won gold for: 10m rifle shooting 137. Capital of Iraq: Baghdad 138. Capital of Bhutan: Thimpu 139. Currency of Vatican City: Euro 140. A book on Vijay Malaya is authored by: K. Giriprakash 141. RBI governor replaced whom: D Subba Rao 142. Khushwant Singh is: a novelist, journalist 143. Which scheme is for slum people: Indira Awas Yojna 144. Minister of Information & Broadcasting, environment, forest: Prakash Javadekar 145. Banking is defined under which act: Banking Regulation Act, 1949 146. ICC trophy is related to? Cricket 147. Capital of Zimbabwe? Harare 148. Currency of Myanmar? – Kyat 149. Author of the book titled 'What young India wants'? - Chetan Bhagat 150. World environment day? - 5th June 151. Skill development minister? - Sarbananda Sonowal 152. Minimum Maturity period for commercial paper? - 7 days 153. Governor of West Bengal? - Keshari NathTripathi 154. Who was the defence minister in the previous council of ministers - A K Antony 155. Literacy rate of kerala? - 93.91 % 156. ADB will help in road construction in which Indian state? – Manipur 157. Author of the book 'My Years with Rajeev and Sonia'? - R D Pradhan 158. Guru Tej Bahadur trophy is related to which sport? - Hockey 159. Venue of next FIFA 2018 World cup? – Russia 160. 3 countries who are a participating in Malabar Exercise? - India, USA, Japan 161. Full form of EVM - Electronic Voting Machine 162. FIFA golden ball award ? - Lionel Messi 163. Reliance produced less amount of gas resulting in government loss in which block ? KG-D6 164. First BRICS New development bank ? – Shanghai


165. Union minister of Mine & steel, labour & employment - Narendra Singh Tomar 166. Recent book on Dilip Kumar - Substance and Shadow by Uday Tara 167. Sri Lankan cricketer, who announced his retirement? - Mahela Jayawardhane 168. Currency of Saudi Arabia - Saudi Riyal 169. Name of Maharashtra new tiger reserve - Bor Sancutary reserve 170. Fees needed to submit for lodging complain to Banking ombudsman - No fees 171. Insurance regulator – IRDA 172. Chandi prasad bhat won Gandhi peace prize for his contribution in which area? - Chipko Movement 173. Which country manufactured VELOX-1 ? – Singapore 174. Capital of Cyprus ? – Nicosia 175. Committee on financial inclusion: Nachiket Mor Committee 176. 150 km missile launched by DRDO recently: Prithvi 177. Minister of Social Justice and empowerment: Thawar Chand Gehlot 178. Bhartiya Mahila Bank Chairman: Usha Ananthasubramanium 179. Banks Nationalization: 1969 180. Capital of Argentina: Buenos Aires 181. Official Currency of Indonesia: Indonesian Rupiah 182. Vijay Sheshadri won Pulitzer prize for: "3 Sections" 183. Which state don’t shares the border with Telangana: Jharkhand 184. Constituency of Nitin Gadkari: Nagpur 185. Recently PM inaugurated a hydro power plant at which place: Uri (J & K) 186. Press freedom day: 3 May 187. RBI established in: 1935 188. Who is the current Food & Consumer Affairs minister: Ram Vilas Paswan 189. World Tourism Day is celebrated on: 27 September 190. Gillette cup is associated with which sports: Cricket 191. Kaveri river water dispute between which states: Karnataka & Tamil Nadu 192. Capital of Canada? Ottawa 193. Headquarter of CRISIL? – Mumbai 194. Which device is used to measure blood pressure ? Sphygmomanometer 195. State with highest per capita milk availability- PUNJAB 196. 24th ASEAN summit venue- Nay Pyi Taw 197. SMSME cabinet minister- Kalraj Mishra 198. Bhartiya Mahila bank inaugurated by-Manmohan Singh 199. Study of kidney disease comes under branch? Nephrology 200. Country having three top most companies? USA 201. .CSO full form- Central Statistical Organisation 202. CBS full form- Core Banking Solution 203. Which organization collect and publish financial data? National Sample Survey Organisation 204. Ashes trophy played between countries- Australia and England 205. Lok Sabha Constituency of Sushma Swaraj – Vidisha 206. Who is Health Minister: Dr. Harsh Vardhan


207. Who provides assistance to small industries: SIDBI 208. RBI Adjust Liquidity by which tool: LAF (Liquidity Adjustment Facility) 209. Functions of RBI – Bankers Bank 210. Camel is the official animal of which state: Rajasthan 211. Capital of Sweden: Stockholm 212. Winner of Australian Grand Prix: Nico Rosberg 213. Nilgiris is located in which state: Tamil Nadu 214. Highest Urban Population of which state: Maharashtra 215. International Day for Old Person: 1 October 216. Sign on 1 Rupee currency note: Finance Secretary 217. Capro Group has won the International Business Year of the award is owned by: Lord Swaraj Paul 218. 2015 Commonwealth Heads of Government Meeting will be held in: Malta 219. Committee on Cauvery water dispute: B.S Chauhan 220. Which country started first plastic notes: Australia 221. DRDO developed which indigenous plane: Tejas 222. Japan has sea-conflict with which country: China 223. A.R Rahman street name in which country: Canada 224. Which of the following is not true about Telangna? is dived on the linguistic basis. 225. Currency of Afghanistan – Afghan Afghani 226. Commercial Paper is issued for how many days - a minimum of 7 days and a maximum of up to 1s year 227. Malaysia currency: Ringgit 228. Who score first hattrick goal in foot ball world cup: Thomas Muller (Germany) 229. Mynamar capital: Naypyidaw 230. In LoK Sabha elections if any candidate win two seats (like our pm) so in what duration of time he has to leave one seat -14 days 231. FIFA 2014 Mascot Name: Fuleco 232. Indian Overseas minister: Sushma Swaraj 233. IBSA full form – India, Brazil, South & Africa 234. World Autism day: 2 April 235. World aids day celebrated on : 1 December 236. Chemical and fertilizer cabinet minister: Ananth Kumar 237. Beiji oil refinary located in: Iraq 238. PC stands for: Personal Computer 239. Flipkart acquire which online shop: Myntra.com 240. Currency of Italy: Euro 241. Head of SIT Committee: MB Shah 242. Capital of Brazil –Brasilia 243. Casual vacancy written by: J K Rowling 244. Iraq currency: Dinar 245. Who regulate Monetary policy: RBI 246. Budget in which article: Article:112 247. How many languages in Indian currency – 17

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248. Full form of ASCII - American Standard Code for Information Interchange 249. Kanyakumari formerly known as - Cape Comorin 250. York University, Canada gave award to - Ratan Tata 251. Nevia first plant in India - Sanand, Gujarat 252. Who win 3 medals in ISSF world cup in Munich – Jitu Rai 253. Who is Richest Player in FIFA: Cristiano Ronaldo 254. OPEC has how much % of total oil - 81% 255. Country having least global peace index – Syria 256. Tata group joined which airlines: Air Asia 257. Commercial papers issued in what multiples: Rs.5 lakh 258. Recently Navaratna status given to: National Building Construction Corporation & Engineers India Ltd 259. Azlan Shah who died recently is a: Hockey Player 260. Indian currency notes bear a signature of: RBI Governor 261. World economic forum held in: Abuja (Nigeria) 262. Headquarter of Infosys: Bangalore 263. Best ranked IIT among BRICS top universities 2014: IIT Delhi 264. Salarjung museum located in which state: Hyderabad, Telangana 265. RIL & Network 18 Deal(in crores)- 4000 Crores 266. Sahara the untold story Written by?-Tamal Bandyopadhyay 267. Amul set up Dairy worth 200 cr at which city?- Varansi 268. Chinese Currency? – YUAN 269. Sachin Tendulkar coins were sponsored by which company? EAST INDIA a. COMPANY 270. Human rights day is observed on which day-DEC 10 271. Who is the current road, transport, highways and shipping? NITIN b. GADKARI 272. ECB stands for ? EXTERNAL COMMERCIAL BORROWINGS 273. WIMBLEDON championship is related to which game ? LAWN TENNIS 274. Who is the current SBI chairman? ARUNDATI BHATTACHARYA 275. Regulatory authorities of Cooperative banks & RRB's?- NABARD 276. A Scheme named Rajiv Gandhi Scheme for Empowerment of Adolescent Girls also known as ?- SABLA 277. Recipient of 49th Jananpeeth Award - Kedar Nath Singh 278. Amul related to what ? - white revolution 279. FIBA is related with Which sport ?- Basketball 280. Recently in which state Solar thermal power plant installed – Rajasthan 281. Which card is issued by NPCI?-RuPay Card 282. Which south east organisation has 10 members?-ASEAN 283. ARMY FLAG DAY- 7 December 284. In shop transaction is done by which machine: POS 285. Water resource minister - Uma Bharti 286. Dadasaheb Phalke Academy Award for Best Singer (Female): Sunidhi Chauhan 287. Which award is given to Leander Paes, Ruskin bond- Padma Bhushan award


288. Vijay hazare trophy is related to which sport? CRICKET 289. Night blindness is due to deficiency of which disease- Vitamin A 290. Full form of NVRAM- Non Volatile Random Acess Memory 291. Which of the following activities is not done by RBI?- trading in commodities 292. Currency of Kuwait-Kuwaiti Dinar 293. Capital of Bhutan-Thimphu 294. Recently Hindustan Motor car plant shut down: Uttarpara plant in West Bengal 295. Book my journey transforming into dreams: Former President APJ Abdul Kalam 296. Highest rural population state as per Census 2011 - Uttar Pradesh 297. Reliance company lady head name- Neeta Ambani 298. Full form CAG-Comptroller and Auditor General 299. Which of the following is not an indirect tax- 10% surcharge on income 300. Who directed the silent film raja Harish Chandra: Dadasaheb Phalke 301. According to Census 2011 highest sex ratio for which state: Kerala 302. Repo rate: 8% 303. CRR – 4% 304. Number of directors in RBI – 4 deputy directors 305. Satish Shivlingam realeted to which: Weightlifting 306. Who is Nripendra Mishra: Principal Sec. to PM 307. Defence minister: Arun Jaitely 308. Home minister: Rajnath Singh 309. PMGSY Established by-2002 310. IAY--Allocate financial assistance 311. Budget Allocate for Pradhan Mantri Krishi Sichayin Yojana - Rs. 1000 cr 312. Young India book author...MK GANDHI 313. MGNERGA Act launched in: 2005 314. National Pension System (NPS) launched in — 2004 315. Capital of ITALY- Rome 316. Rashtriya Swasthya Bima Yojana (RSBY) launched by : Ministry of Labour and Employment 317. Commonwealth total medal of India --- 64 318. WTO member -160 319. Official director of RBI - Raghuram Rajan 320. Van Bandhu Kalyan Yojana has allocated Rs.100 crore 321. Monetary policy published and controlled by – RBI 322. On Advances taking as loan ---pre- shipment loan 323. Tibor full form - Tokyo Interbank Offered Rate 324. How much interest paid by RBI on deposit of CRR? Zero 325. RBI proposed for 5th deputy governor by post - Chief Operating Officer 326. Shadow banking committee headed by - T. Vijay Bhaskar 327. Who is lady election commission officer? V.S. Ramadevi 328. Summer 2016 games held in? Rio De Janeiro 329. Pound sterling is the currency of which country - United Kingdom 330. Which Lok Sabha election was held recently held - 16th


331. GDP for 2014-15 by IMF? - 5.4% 332. India's first motion picture? - Raja Harishchandra 333. India's first newspaper? - Bengal Gazette 334. Press council of India formed in which year? – 1978 335. Indira Awas Yojna which year formed? – 1996 336. Which of following country is not a male dominated country? – USA 337. Currency of UK ? - Pound Sterling 338. Minister of Railways ? - Sadananda Gowda 339. World Heart day? - 29 September 340. WTO head quarter? – Geneva 341. When did India become member of WTO? – 1995 342. RBI formed in which Year? – 1935 343. India's first Postal Savings Office ATM located in which city? – Chennai 344. First newspaper of India- Bengal gazette 345. Indira sagar dam located in which state – Madhya Pradesh 346. Addis Ababa capital of – Ethiopia 347. Bangladesh currency – Taka 348. External affairs minister – Sushma Swaraj 349. Japan Prime Minister– Shinzo Abe 350. Author of inheritance of loss – Kiran Desai 351. Bharatanatyam dance of which state – Tamil Nadu 352. Taj Mahal in which state – Uttar Pradesh 353. What is the profile of Maneka Gandhi - Women and child development 354. FFCB full form - Foreign currency convertible bonds (FCCBs) 355. Number of goals in FIFA World Cup – 171 356. Louvre museum in - Paris 357. Laughter day – 1st Sunday of may 358. Oscar best movie – 12 years a slave 359. National award for best Hindi film – Jolly LLb 360. Inheritance of loss – Kiran desai 361. Kaiga nuclear power plant – Karnataka 362. Jan Dhan Yojana – Life Insurance – 30,000 363. World Bank head – Jim Yong Kim 364. ILO headquarters – Geneva 365. Deputy speaker of Loka sabha – Thambi durai 366. Purpose of Commercial Paper – to meet short-term debt obligation 367. RBI proposed small and ___ banks – Payment 368. Income exempted from tax (below 60) – 2.5 lakhs 369. Metro rail project in Ahmadabad and – Luckhnow 370. GAAR = General Anti Avoidance Rules 371. 1st presidency of new BRICS bank – India 372. Zambia capital – Lusaka 373. Port Louis is capital of – Mauritius 374. Russia currency - Russian Ruble


375. Home Affairs Minister - Shri Rajnath Singh 376. Rural Development Minister - Nitin Gadhkari 377. Coorg Hill station is where? – Karnataka 378. Kathak dance – UP 379. Kerala new Governor - P Sathasivam 380. REIT abbreviation - Real Estate Investment Trust 381. Which insurance company extended Jan Dhan insurance cover to 1 lakh? - HDFC Ergo 382. BKS Iyengar is related to which field? Yoga 383. Best actor in national film awards ? - Suraj Venjaramoodu(Malayalam), Raj Kumar Rao(Hindi) 384. Best actress in Oscar? Cate Blanchett 385. Rajiv Khel Ratna award 2014? – None 386. US released postage stamp on who actor ? - Akkineni Nageswara Rao 387. "The suitable boy" written by? - Vikram Seth 388. By whose goal Germany win the final with 1-0 in Brazil ? - Mario Goetze 389. World Computer Literacy Day? - 2nd December 390. Cheruthoni dam in which state? - Kerala 391. Japan will give total money for infra project? - $ 33 Billion 392. How much amount allocated for price stabilisation fund- 500 cr 393. Malaysia Currency – Ringgit 394. World Environment Day - 5 June 395. New IIMs to be opened in which district - Himachal Pradesh, Punjab, Bihar, Orissa and Rajasthan. 396. Who is John Carrey? – Actor 397. Tintu Lukka from which game – Athletics 398. Sanitation Program in Budget till – 2019 399. Oscar winner in leading role actor - Matthew McConaughey 400. Who is the USA Secretary of State - John Kerry 401. Which country capital is Port Victoria? – Seychelles 402. “Cry The Peacock” author? - Anita Desai 403. Atomic Energy minister of India - Narendra Modi 404. French Open winner - Rafael Nadal 405. Narora Power Plant situated in? U.P 406. Best Director National Awards? Hansal Mehta 407. U.K. Prime Minister? David Cameroon 408. Full Form Of UNCTAD - United Nations Conference on Trade and Development 409. Sattriya is the dance form of which state? – Assam 410. Leander Paes related to which game? – Tennis 411. Rihand Dam in which state? - Uttar Pradesh 412. Mogadishu is the capital of which country: Somalia 413. e-visa in how many cities to promote tourism: 9 414. FIDE world (rapid chess championship) won by which player: Magnus Carlsen 415. Vice President of USA: Joe Biden 416. Which film got Best Film Award at Film Fare Awards: Bhaag Milkha Bhaag


417. Governor of Maharashtra: C Vidyasagar Rao 418. Li-tatina (tomator tyoha) festival of which country: Spain 419. Hill station 'ARAKU' in which state: Andhra Pradesh 420. Oscar 2014 Best supporting actress - Lupita Nyong'o 421. Best actress in film fare awards 2014 - Deepika Padukone 422. Fiscal deficit according to union budget – 4.1% 423. According to Budget 2014, how many new Govt. Medical Colleges will be opened? – 12 424. Najma Heptulla ministry: Minority affairs 425. Loss incurred for railway per passenger in paise - 23p 426. Full form of CST? - Central Sales Tax 427. Full form of NABARD? - National Bank for Agriculture & Rural Developemnt 428. Full form of UGC? - University Grants Commission 429. Full form of SLR? - Statutory Liquidity Ratio 430. Ajiknkya Rahane is related to which game? – Cricket 431. What is purpose of Jan Dhan Yojna? - Minimum one account for every family 432. Who issues RuPay card? – NPCI 433. Who is Robin Williams? - Hollywood Actor 434. Who is P.J Kurien? - Deputy Chairman of Rajya Sabha 435. What is the amount charged for ATM transactions after 5 times? - Rs. 20 436. Flag Bearer for India in Commonwealth Games 2014? - Vijay Kumar 437. How many Deputy Governors are there in RBI? – 4 438. Strike word is related to which game? – Baseball 439. Hardware park is proposed to which state? - Andhra Pradesh 440. What % of money is increased for cleanliness in budget? - 40% 441. Who is all time highest goal scorer of Germany? - Miroslav Klose 442. Wilfried Bony - Football Striker from Ivory Coas 443. Saji Thomas is related to which game? – Rowing 444. Bhamashah Yojna in Rajasthan is for what purpose? - Women Empowerment 445. Bank Capitalization related to -? - Basel III Norms 446. Which country is the top source of FDI? – Singapore 447. Swaccha Bharat Abhiyan is to be ended by– 2019 448. Amit kumar related to which game – Wrestling 449. Zero Effect- Zero Defect slogan by - Narendra Modi 450. Who is Azim premji - Founder of Wipro 451. Prior to which year currency note should be exchanged – 2005 452. PFO monthly pension limit - Rs. 1000 (Minimum limit) & Maximum Limit is Rs. 15000 453. Pankaj Advani Sports name – Billiards 454. Chanakya also known as (his alternate name) – Kautilya 455. CDR fullform - Credit Default Swap 456. SEZ started by PM In which state/city – Maharashtra 457. Indira Awas Yojna new name - National Gramin Awaas Mission (proposed name, please check once) 458. FLIPKART is which kind of company? - E-Commerce 459. 200 cr allocated for stadium in which state - Jammu & Kashmir


460. Which organization is worried for EBOLA – WHO 461. Largest bank - Industrial & Commercial Bank of China 462. Who is sumitra mahajan - Loksabha Speaker 463. Sanjita Chanu wins gold in: Weightlifting 464. Abhinav Bindra related to: Shooting 465. Apurvi Chandela related to: Shooting 466. 6th BRICS summit held in: Fortaleza, Brazil 467. Anirban Lahiri belongs to which sports: Golf 468. Rory Mcllory belongs to which sports: Golf 469. NHB full form: National housing bank 470. KYC full form: know your customer 471. India celebrated it's ___ independence day on 15th Aug, 2014: 68th 472. PPF investment Limit: Rs 1.5lakh 473. Yuki Bhambri related to which sport – Tennis 474. Lionel Messi player of which country: Argentina 475. In budget tax free home loan limit: Rs. 2 lakh. 476. Income tax limit other than senior citizen: Rs. 2.5 lakh 477. Smart car launched --- Tata Nano 478. Volley term from which sport – Tennis 479. Kargil war in which year: July 1999 480. ISRO headquarter: Bangalore 481. Make in India terms launched by – PM N. Modi 482. Art 370 is related to which state – Jammu & Kashmir 483. Jan Dhan Yojana Benefits – Overdraft Loan in Bank Account 484. Writer of The Mother I Never Knew - Sudha Murthy 485. L stands in SLR- liquidity 486. Money laundering is done to- Avoid tax 487. When did Mangalayan reached Mars - 24 September 2014 488. In how days KYC custom fill identity proof – 5 working days 489. Which Indian movie selected for Oscar Award 2015 - Liar's Dice 490. NIM full form- Net Interest Margin 491. MTSS- Money Transfer Service Scheme 492. Kisan Vikas Patra was closed by govt. earlier why - to avoid Money laundering activities 493. SBI life insurance partnered with – BNP Paribas Cardif 494. Currency of Cambodia – Riel 495. What is A in ATM – Automated 496. Hard Choice author - Hillary Clinton 497. Who invented Dynamite – Alfred Nobel 498. Capital of Argentina: Buenos Aires 499. Which actor's father is a famous badminton player - Deepika Padukone 500. Word C stand for what in CP- commercial paper 501. Bank used to what method to read code on cheque - MICR. 502. Purpose of starting Minor account for 10 years children - Financial inclusion 503. Kundankulam nuclear plant is a agreement between India and __ - Russia


504. CVV full form – Card Verification Value 505. Minority affair minister – Najma Heptulla 506. Yogakshemam Vahamyaham is the slogan of – LIC 507. Bank of International Settlement headquarter – Switzerland 508. HDFC Tagline - We understand your world 509. Smart star account opened by which bank – ICICI bank 510. In Varistha pension Bima scheme will be administrated by – LIC 511. Director of Singham Returns movie – Rohit Shetty 512. Taskant is the capital of – Uzbekistan 513. Sati pratha abolished by whom – Raja Ram Mohan Rai 514. Railway minister: Sadanand Gowda 515. Full form of PKI – Public Key Infrastructure 516. Iran president: Hassan Rouhani 517. Which country is part of European Union but do not use euro currency – Denmark 518. CBS Full form- Core Banking Solution 519. Cyrus Mistry is the CEO of – TATA group 520. Kakrapar atomic power plant- Gujarat 521. DNA full form: Deoxyribo Nucleic acid 522. Home rule league moment leader - Annie Besant/ Bal Ganga Dhar Tilak 523. Committee on Banking Ombudsman – Suman Verma Committee 524. What “S” stands in CDSL – Securities [Central depository Securities depository Ltd.] 525. IFSC Code contain how many digits- 11 alphanumeric code 526. EBW full form - Export Bills Permitted to be Written off 527. According to WHO, Highest rate of Child marriage – Bangladesh (India raked 2nd) 528. Agaria Tribe belongs to which state – Madhya Pradesh 529. Capital of Tanzania – Dodoma 530. DIGC insurance cover is headed by – Central Govt. 531. The initial minimum paid-up capital for a private bank shall be Rs.200 crore 532. MTSS used - personal remittance 533. According to census 2011Lowest density state - Arunachal Pradesh 534. Which country does not belong in European Union but use Euro as a currency - Vatican city 535. Max money that can remitted to Nepal from any of the NEFT-enabled branches in India – Rs 50,000 536. In NSDL ,word ”S” stands for - National Securities Depository Limited 537. SBI tag line: Pure Banking Nothing Else 538. Santi Swaroop Bhatnagar award in mathematic: Dr. Kaushal Kumar Verma 539. Bank celebrate 150 years with Sri Lanka: SBI 540. Cheque amount written is called exchange of notes done by customer 541. Overnight money needed by bank from RBI on which rate bases: MSF 542. Poverty elevation minster – Ramvilas Paswan 543. CPI full form: Consumer Price Index 544. Urban dev and Parliament minister: Venkaiah Naidu 545. Who won bronze medal in swimming in 2014 Asian Games: Sandeep Sejwal


546. Jai hind slogan given by – Subhash Chandra Bose 547. Capital of Turkey: Ankara 548. BSE is given trade facility – online 549. Who gave the principle of objects submerged partially or fully in water – Archimedes 550. ASBA full form-Application Supported by Blocked Account

551. Kakrapar nuclear power plant is located at which place? – Maharashtra

552. Recently which bank has launched six digital touch banking branches across the nation? - State Bank of India

553. ________ announced a new liberal visa policy for nationals of Afghanistsan on humanitariangrounds. - India 554. ________announced to honour Shahrukh Khan with Officer of the Legion of Honour for his contribution to Cinema? – France 555. What stands for NPA? - Non Performing Assets

556. A book Blood Feud: The Clintons vs. the Obamas has been released, recently. Who is the author of the book? - Edward Klein 557. JP Morgan cut India's GDP growth projection for 2014-15 to _________percent from 5.3 percent. - 5.1 558. Recently John Kerry visited India. He is the Secretary of State of which country? - USA 559. Who is the Union Civil Aviation Minister at present? - Ashok Gajapathi Raju 560. Who is the Director of the film ‘Mary Kom’? - Omung Kumar 561. What is the currency of China? - Yuan 562. Recently RBI extended the timeline for full implementation of Basel III norms to ______instead of 31 March 2018. - 31 March 2019 563. _____________is a financial instrument by which company invite the public to invest their money in the company and investor can become a partner of the company. - Equity 564. Recently N.R. Narayana Murthy, the founder and executive Chairman of _____was honoured with the 2014 Canada India Foundation Chachalani Global Indian Award in Toronto, Canada . - Infosys 565. _________ celebrated as World Citizen Day? - November 19 566. The bank should have net profit for the last ________consecutive years to be permitted to set up the joint venture company for undertaking the insurance business with risk participation subject to safeguards. - five 567. ____________is the process of stopping the flow of the physical cheque issued by a drawer at some point with the presenting bank en-route to the drawee bank branch. In its place an electronic image of the cheque is transmitted to the drawee branch by the clearing house. - Cheque Truncation 568. Section 35(6) of the________, empowers NABARD to conduct inspection of State Cooperative Banks (SCBs), Central Cooperative Banks (CCBs) and Regional Rural Banks (RRBs). - Banking Regulation Act, 1949


569. Recently _______Navy and Republic of Singapore Navy (RSN) conducted annual bilateral naval exercises named SIMBEX 2014 in Andaman Sea. - Indian

570. _____________ has been appointed Chairman of the Cauvery Water Disputes Tribunal, recently. - Justice B.C. Chauhan 571. _______is NOT a basic approach to measure GDP? - Investment Approach 572. What is the tagline of Allahabad Bank? - A tradition of trust 573. --------------------------- financial years the benefits of Indira Awas Yojana has also been extended to minorities? - 2006-07

574. What is the allocation for Beti Bachao Beti Padhao Scheme in the Budget 2014-15? - Rs. 100 Crore

575. What is the enhanced FDI limit in Defence Sector? - 49 per cent

576. What is the rank of India in Human Development Index 2014? - 135 577. Which country will host G8 Summit in 2015? - France 578. Who is the Chairman of Tax Administration Reform Commission (TARC)? - Parthasarathi Shome 579. Who is Union Minister of Chemicals and Fertilizers? - Ananth Kumar 580. What is the tagline of Syndicate Bank? - Your Faithful And Friendly Financial Partner 581. Which bank has started cardless cash withdrawal from its ATMs? - ICICI Bank 582. National Housing Bank is a subsidiary of- RBI 583. What is the initial capital infused by the Government of India in Bhartiya Mahila Bank(BMB)? - s. 1000 crore 584. ------------------- is not related with Negotiable Instruments Act 1881? - Hundi 585. ------------------------- is an Atomic Power Project located in Uttar Pradesh? - Narora 586. Hewlett & Packard which has recently announced its business to be split into two parts is associated with - Computer and Hardware 587. Which state has highest sex ratio as per the Census 2011? - Kerala 588. Mars Orbiter Mission reached on Mars on which day? - 24 September 589. Swachhta Udyami Yojana has been launched by which ministry? - Ministry of Social Justice and Empowerment 590. Cairo is the capital of which country? - Egypt 591. What is the full form of GDR? - Global Depositary Receipt 592. Who is the union minister of Tribal Affairs? - Jual Oram 593. Full form of IRDA is – Insurance Regulatory and Development Authority. 594. What is the percentage of liquidity coverage ratio (LCR) threshold set for January 2015 that have to be met by the banks as per a recent revision in liquidity guidelines under the Basel-III framework by RBI? - 60 per cent 595. Which country was runner up in the game of Kabaddi when India completed a golden double in men’s as well as women’s 596. category in Asian Games 2014? - Iran


597. What is the capital of South Korea? - Seoul 598. What is the tagline of ICICI Prudential Life Insurance Company Limited? - Zimmedari ka humsafar 599. What was the old name of Axis Bank? - UTI Bank 600. --------------------------- countries DON'T have dollar as its currency? - Sweden 601. "Hundi" is - equivalents of cheques issued by indigenous bankers. 602. What does ‘M’ stands for in OMO? - Market 603. What was the name given to The 2014 Hong Kong protests,against proposed electoral reform in the country? - Umbrella Movement 604. Banks declare an Asset as Non Performing where the interest / principal is in arrears for more than -90 days 605. Who among the following was popularly called as ‘Loknayak’? - Jai Prakash Narayan 606. What was the codename given to first nuclear explosion conducted by India's in 1974? - Smiling Buddha 607. SBI has launched multi-currency card in association with which of the following companies? - Master Card 608. --------------------- states Kathakali dance form is associated? - Kerala 609. Who was chosen as Most Valuable player among Indian medalists in Asian Games 2014? - M. C. Mary Kom 610. What is the name of the committee set up to examine the current monetary policy? - Urjit Patel Committee 611. What is Currency of Algeria? - Dinar 612. What is Universal Banking ?- Provision of commercial and investment services 613. MacMohan line is in between which two countries? - India and China 614. When banks invest in government securities by depositing collateral, it is called - Asset Securitization 615. G.N Bajpai committee is related to which of the following? - National Pension Scheme 616. ------------------- is a foreign bank? - HSBC Bank 617. RBI announces STAR SERIES notes recently. What is it? - replacement of defectively printed notes 618. In Jan Dhan scheme which of the following will provide the accident cover under the scheme? - HDFC ergo 619. What is India's number in mars mission, among Asian countries? - 1st 620. World investvment report issued by - UNCTAD 621. ------------------------- currencies is not included in SBI multicurrency scheme ? - Yen 622. Expand CIBIL - Credit Information Bureau India Limited 623. Ram Naik governor of which state - Uttar pradesh 624. CRR stands for - Cash Reserve Ratio 625. What is the currency of Egypt? - Pound 626. Who is the Governor of Kerala? - P. Sathasivam 627. What is the minimum amount to be deposited in PPF per month? - Rs. 500 628. How many IIMs will be established as per Budget 2014-15? - 5 629. Who is H.L. Dattu? - Chief Justice of India 630. Which is the least populous state of India as per Census 2011? - Sikkim


631. What is the name of the bank account opened for childrenabove 10 years of age by ICICI? - Smart kid account 632. Who is the CM of Tamil Nadu? O. Paneerselvam 633. What is the slogan of Jan Dhan Yojana? - Mera Khata Bhagya Vidhata 634. Lionel Messi is associated with which sport? - Football 635. Expand IFSC - Indian Financial System Code 636. Who won the Nobel piece awrd 2014? Kailash Satyarthi and Malala Yousafzay 637. Who belongs to tennis? options were - djokovic, federer, messi 638. When is world rabies day? 28th setember 639. Interest on savings account is calculated on which basis? daily basis 640. In which of the following places there is no nuclear plant? – Kenya 641. Mutual funds regulated by ? - Securities and Exchange Board of India 642. What is ping in computer networking utility? - Packet InterNet Groper 643. Processor speed measure in Instructions per second 644. Using two different brand names for a propose of single product is called? Co-branding 645. One question on repo rate 646. What does B stands for in ECB ? - Borrowings 647. What is the full form of RRB ? - Regional rural Bank 648. What is the upper limit of PPF ? - 1.5 lakh 649. What is the oldest currency in the world? - Pound sterling 650. Which among the following is not an output device ? – Scanner 651. Who is the author of the book Final Test: Exit Sachin Tendulkar ? - Dilip D' Souza 652. What will Inflation result in ? - Decrease in economic activities of a country 653. Which among the following is a volatile memory ? – RAM 654. Question based on the definition of GNP (Gross National Product) 655. What is an Internet explorer ? Browser 656. What is the extension used for MS word ? - .doc,.docx 657. What is the first step of buying ? - need recognition 658. In which of the following areas there is no 100% FDI in railways ? – 659. who is water resource minister ? - Uma Bharti 660. the 5000 ₹ overdraft in Jan dhan will be applicable only if the account is active for how many months. 661. The slogan " I have a dream" is given by which American activist in his public speech ? - Martin Luthor King 662. which PSU is responsible for insurance over export? - Export Credit Insurance 663. Which is an insurance regulatory body- IRDA 664. Which is the Regulatory body for RRB? – NABARD 665. Who is the author of God of small thing ? Arundhati Roy 666. NPS stands for? National pension scheme 667. RBI policy related to money laundering? Know Your Customer 668. NBFC deals in? - providing banking services 669. What is the full form of PDF? Portable Document Format 670. What is the function of Ctrl + s in MS Word = to save file or document


671. What is the full form of ifsc ? -Indian Financial System code 672. What is the purpose of cltrl+delete ? - to delete whole line to the right of the cursor 673. commercial paper can be issued for a maximum period of ? - 365 days 674. Raghu rajan got best gov central bank from ehich organisation ? - euromoney magazine 675. The Mutual funds in India follow accounting standards laid by ? -SEBI 676. Sbi launched minor a/c for childern above 10 years named as ? - Pehli Udaan 677. Who is the winner of men booker award 2014 ? - Richard Flanagan 678. Who is appointed as the economic affairs secretary ? - Rajiv Mehrishi 679. To reach at the end of the line in word we use which key ? - End 680. There are how many digits in MICR ? – 9 681. What is the full form of MAN ? - Metropolitan Area Network 682. Saina Nehwal is related to which sport ? Badminton 683. Raghuram Rajan won award by ? - Euromoney award 684. Command to undo recent action - ctrl + z 685. Who is the Author of the book 'Oath of Vayuputhras' ? Ameesh Tripathi 686. speed of microprocessor is measured in ? - Ghz 687. What is recession? - A period of temporary economic decline,generally identified by a fall in GDP in two successive quarters. 688. Which is correctly matched country and capital ? - Malayasia - Kuala Lumpur 689. What is the Accidental Cover Amount in Pradhan Mantri Jan Dhan Yojana ? - 1,00,000 INR 690. Excel workbook is a collection of ? - Spreadsheets 691. Which airline was in news recntly for purchase of 250 airbuses ? - Indigo Airlines 692. Financial benchmark panel was headed by ? - Vijya Bhaskar 693. Which rate Rbi decides under Monetary policy ? - Repo rate 694. 2nd generation computer were based on ? - Transistor 695. What is the full form of PPTP ? - Point-to-Point-Tunneling Protocol 696. The RBI will shortly issue ____denomination banknotes incorporating rupee symbol, with inset letter E, in the Mahatma Gandhi Series-2005 bearing the signature of Raghuram G Rajan, Governor-Rs. 20 697. The Reserve Bank has relaxed norms governing import of rough, cut and polished diamonds by doubling the credit time period to_________.-180 days 698. Asian Development Bank (ADB) has upgraded India's economic growth forecast to ________ in 2015-16 on hopes of speedy reform process.-6.3 % 699. Which bank signed an agreement with the Kochi Metro Rail Ltd for a loan of Rs 1,170 crore to the Rs. 5,200-crore Kochi Metro project?-Canara Bank 700. Camel is the official animal of which state: Rajasthan

Indian Railway Important GK questions

_______________________________________


1. Where is Railway Staff College situated ?

Answer: Baroda 2. What is the width of Broad gauge rail ?

Answer: 1.676

3. Which is the First Electric Train in India ?

Answer: Deccan Queen (Kalyan - Pune)

4. When did Life Line Express (Jeevan Rekha)

Started ?

Answer: In 1991

5. Which year is declared as "Year of Rail Users"

by the Indian Railways ?

Answer: 1995

6. Which is the Longest Railway Tunnel ?

Answer: Pir Panjal Railway Tunnel (Banihal

railway tunnel)

7. Which is the Longest Railway platform in the

World ?

Answer: Gorakhpur station platform (UP)

8. Which is the train running between India and

Bangladesh ?

Answer: Maitree Express

9. Which are the states have no Railway ?

Answer: Meghalaya and Sikkim (building new

railway lines)

10. Which is the Worlds oldest working steam

locomotive engine (train) ?

Answer: Fairy Queen runs in India

11. What is the width of Narrow gauge rail ?

Answer: 0.762

12. Where is the Headquarters of Konkan

railway ?

Answer: Bilapur

13. Which is the fastest train in India ?

Answer: Shatabdi Express

14. In which year Indian Railway board

established ?

Answer: 1905

15. Which is the first Railway station in India ?

Answer: Chhatrapati Shivaji Terminus (Victoria

terminal)

16. Who is the first Indian to present Railway

Budget ?

Answer:John Mathai


17. Who is the first railway minister in India ?

Answer: John Matthai

18. Who is the first lady Railway minister of

India ?

Answer: Mamta Banerjee

19. Which is the highest railway station in

India ?

Answer: Ghum railway station

20. Which is the longest Railway bridge in

India ?

Answer: Vallarpadam Bridge (kerala)

21. What is the slogan of Indian Railway ?

Answer: lifeline of the nation

22. Where is the Museum of Indian Railway

situated?

Answer: Chanakyapuri (New Delhi)

___________________________________________

1. Who is known as the father of Indian Green

Revolution ?

Answer: M. S. Swaminathan

2. Which Indian is known as the father of plastic

Surgery ?

Answer: Sushruta

3. Who is the father of Ayurveda ?

answer: Charaka

4. Who is known as the father of Indian Space

program ?

Answer: Dr Vikram Sarabhai

5. Who is known as the father of Indian Missile

Program ?

Answer: A.P.J. Abdul Kalam

6. Who is known as father of Indian atomic

bomb ?

answer: Raja Ramanna

7. Who invented Crescograph ?

Answer: Jagadish Chandra Bose

8. Who is known as the father of Yoga ?


answer: Patanjali

9. Which Indian Scientist is known as Thomas

Alva Edison of India ?

Answer: G. D. Naid

10. Who is known as the father of white

revolution ?

Answer: Verghese Kurien

1. Major Som Nath Sharma, 4 Kumaon

Regiment, November 3, 1947, Badgam Kashmir

(posthumous)

2. Lance Naik Karham Singh M M, 1 Sikh

Regiment, October 13, 1948, Tithwal Kashmir

3. Second Lt Rama Raghobe Rane, Corps of

Engineers, April 8, 1948, Naushera, Kashmir

4. Naik Jadu Nath Singh, 1 Rajput Regiment,

February 1948, Naushera, Kashmir (posthumous)

5. Company Havildar Major Piru Singh, 6

Rajputana Rifles, July 17/18, 1948, Tithwal,

Kashmir (posthumous)

6. Captain Gurbachan Singh Salaria, 3/1 Gurkha

Rifles, December 5, 1961, Elizabethville,

Katanga, Congo (posthumous)

7. Major Dhan Singh Thapa, 1/8 Gurkha Rifles,

October 20, 1962, Ladakh, India

8. Subedar Joginder Singh, 1 Sikh Regiment,

October 23, 1962, Tongpen La, Northeast

Frontier Agency, India (posthumous)

9. Major Shaitan Singh, Kumaon Regiment,

November 18, 1962, Rezang La (posthumous)

10. Company Havildar Major Abdul Hamid, 4

Grenadiers, September 10, 1965, Chima, Khem

Karan Sector (posthumous)


11. Lieutenant-Colonel Ardeshir Burzorji

Tarapore, 17 Poona Horse, October 15, 1965,

Phillora, Sialkot Sector, Pakistan (posthumous)

12. Lance Naik Albert Ekka, 14 Guards,

December 3, 1971, Gangasagar (posthumous)

13. Flying Officer Nirmal Jit Singh Sekhon,

Indian Air Force, December 14, 1971, Srinagar,

Kashmir (posthumous)

14. Lieutenant Arun Khetarpal, 17 Poona Horse,

December 16, 1971, Jarpal, Shakargarh Sector,

(posthumous)

15. Major Hoshiar Singh, Grenadiers, December

17, 1971, Basantar River, Shakargarh Sector

16. Naib Subedar Bana Singh, 8 Jammu and

Kashmir Light Infantry, June 23, 1987, Siachen

Glacier, Jammu and Kashmir

17. Major Ramaswamy Parmeshwaran, 8 Mahar

Regiment, November 25, 1987, Sri Lanka

(posthumous)

18. Captain Vikram Batra, 13 Jammu and

Kashmir Rifles, July 6, 1999

19. Lt Manoj Kumar Pandey, 1/11 Gorkha Rifles,

July 3, 1999, Khaluber/Juber Top, Batalik sector,

Kargil area, Jammu and Kashmir (posthumous)

20. Grenadier Yogendra Singh Yadav, 18

Grenadiers, July 4, 1999, Tiger Hill, Kargil area

21. Rifleman Sanjay Kumar, 13 Jammu and

Kashmir Rifles, July 5, 1999

General Awareness

[1] Which Petroleum product was de-regulated in India recently [October 2014]?

A: Petrol


B: Diesel

C: Kerosene

D: LPG

Ans:(B) Diesel

*2+ Govt of India is rolling out Pentavalent vaccination from November. “Pentavalent” Vaccine does

NOT cover which of the following disease?

A: Diphtheria

B: Hepatitis B

C: Pertussis

D: Measle

Ans:(D) Measle

*3+ How is “Nirbhay” missile different from Agni missile?

A: It can not take nuclear bombs

B: it is air to air missile

C: it is sub-sonic cruise missile

D: it can be easily detected by radars

Ans:(C) it is sub-sonic cruise missile

[4] Alan Eustache broke the sound barrier and set several skydiving records recently. He is an

employee of which organization:

A: Microsoft

B: Google

C: Facebook

D: Netapp

Ans:(B) Google


[5] The Defence Acquisition Council approved defence deals worth :

A: INR 78,000 crore

B: INR 83,000 crore

C: INR 70,000 crore

D: None of the above

Ans:(A) INR 78,000 crore

[6] Recently, India offered to help which Polio affected country ?

A: Bhutan

B: Srilanka

C: Pakistan

D: Bangladesh

Ans:(C) Pakistan

[7] Parupalli Kashyap who beaten Word No. 4 in French open belongs to which sport?

A: Tennis

B: Badminton

C: Squash

D: table tennis

Ans:(B) Badminton

*8+ Pankaj Advani who recently crowned “11th World Champion ” title is related with which sport?

A: Tennis

B: Squash


C: Billiard

D: Shooting

Ans:(C) Billiard

[9] IAF (Indian Air Force) recently banned which Mobile phone brand for its officers?

A: Samsung

B: Nokia

C: iPhone

D: Xiomi

Ans:(D) Xiomi

*10+ Which company recently launched “Rooms App” for anonymous chating?

A: Twitter

B: Snapchat

C: WhatsApp

D: Facebook

Ans:(D) Facebook

* My Experiments with Truth - Mahatma Gandhi * Hind Swaraj - Mahatma Gandhi


* Key to Health - Mahatma Gandhi * Discovery of India - Jawaharlal Nehru * Glimpses of World History - Jawaharlal Nehru * My Truth - Indira Gandhi

* Golden Threshold - Sarojini Naidu * The Broken Wing, Songs of Life, Death & the Spring - Sarojini Naidu * The Birds of Time, Songs of Life, Death & the Spring - Sarojini Naidu * The Sceptred Flute: Songs of India - Sarojini Naidu * The Feather of the Dawn - Sarojini Naidu * India Wins Freedom - Maulana Abul Kalam Azad * Unhappy India - Lala Lajpat Rai * Poverty and Un-British Rule in India - Dadabhai Naoroji * Geeta Rahashya - Bal Gangadhar Tilak * The Arctic Home in the Vedas - Bal Gangadhar Tilak * The Insider - PV Narasimha Rao * Wings of Fire - APJ Abdul Kalam

* Ignited Minds - APJ Abdul Kalam * You Are Unique - APJ Abdul Kalam * India 2020 - APJ Abdul Kalam * Indomitable Spirit - APJ Abdul Kalam * Turning Points - A Journey through Challenges - APJ Abdul Kalam

* Target 3 Billion - APJ Abdul Kalam and Srijan Pal Singh * My Journey - Transforming Dreams into Actions - APJ Abdul Kalam * Jobs for Millions - VV Giri * Mein Kampf - Adolf Hitler

* My Presidential Years - R Venkataraman * My Own Boswell - M Hidyatullah * Prison Diary - Jayaprakash Narayan * Without Fear or Favour - Neelam Sanjeeva Reddy * Midnight Diaries - Boris Yelstin

* The Audacity of Hope - Barrack Obama * Dreams From My Father - Barrack Obama * Indian Philosophy - Dr. S. Radhakrishnan * Hindu View of Life - Dr. S. Radhakrishnan * Matters of Discretion: An Autography - I K Gujral * Back to Work - Bill Clinton Cerejo


Know about Indian Constitution --------------------------------------------- - What is the general nature of Indian Constitution? – It is a written constitution

……………………………………………………………

- What is the most important fact associated with India’s written constitution? – It is the largest written constitution in the World

……………………………………………………………

- Which is the most prominent country with unwritten constitution? – Great Britain

……………………………………………………………

- Which prominent country’s constitution is one of the smallest written constitutions of the world? – The United States (There were only around 4,400 words in the original US constitution and later with all the amendments it is around 8,000 word long)

……………………………………………………………

- What was the original extent of Indian Constitution? – It comprised of 22 parts, 395 sections and 8 schedules

……………………………………………………………

- What is the present extent of Indian Constitution? – It comprises of 22 parts, 450 sections and 12 schedules

……………………………………………………………

- Which are three bodies that form the basis of the Indian democracy as enshrined in the Indian Constitution? – Legislature, Executory and Judiciary

……………………………………………………………

- Which is the most important task of the Legislature? – To prepare the legislations (acts and regulations) on whose basis a country or democracy is run (It also carries out amendments in legislations as and when they are required)

……………………………………………………………


- Which is the most important task of the Executory? – To implement the legislations constituted by the Legislature (Executory is the Government which runs a country or democracy)

……………………………………………………………

- Which is the most important task of the Judiciary? – To ensure that the legislations prepared by the Legislature are implemented in true spirit by the Executory (It also ensures that the legislations are constituted according to the laid out principles by the Constitution)

……………………………………………………………

- Which body is generally described as the fourth estate of Indian system? – Press or Journalism

……………………………………………………………

- Which regulation or act laid the path for official commencement of India’ control by the British Government? – Regulating Act of 1773

……………………………………………………………

- Through which act the control of India was transferred from the East India Company (EIC) to the British Emperor? – Government of India Act, 1858

……………………………………………………………

- Which act is popularly known as Morle-Minto Reform? – Indian Council Act, 1909

……………………………………………………………

- Which act is popularly known as Montague-Chelmsford Reform? – Indian Council Act, 1919

……………………………………………………………

- Which British act has contributed the largest portion to the Indian Constitution? – Government of India Act, 1935

……………………………………………………………

- India got Independence through which act? – Indian Independence Act, 1947 (It was passed by the British Parliament on 18 July, 1947)

……………………………………………………………


- What is the name of the body or committee that was constituted for preparing the constitution of India? – The Constituent Assembly

……………………………………………………………

- The first glimpse of the proposed Constituent Assembly was visible in which document? – The Swaraj Bill, 1895

……………………………………………………………

- Who had drafted the Swaraj Bill of 1895? – Bal Gangadhar Tilak

……………………………………………………………

- Who was the first person to use the word ‘Swaraj’? – Dadabhai Naoroji

……………………………………………………………

- Which person in 1924 had put forward to the British Govt. the demand for constituting the Constituent Assembly? – Pandit Moti Lal Nehru

……………………………………………………………

- Which person was the first to officially put forward the demand for constituting the Constituent Assembly? – M.N. Roy

……………………………………………………………

- Which political party was the first one to put forward the demand for constituting the Constituent Assembly? – Swaraj Party (in 1928)

------------------------------------------------------------------

1. Anatomy-Study of the structure of living things

2. Anthropology-Study of humanity


3. Apiology-Study of bees

4. Archaeology-Study of human activity in the past

5. Astrology-Study of influence of stars on people

6. Astronomy-Study of celestial bodies

7. Bibliology-Study of books

8. Biology-Study of life

9. Botany-Study of plants

10. Cardiology-Study of the heart

11. Chemistry-Study of the composition, properties and behavior of matter

12. Cosmology-Study of the universe

13. Cryptology-Study of codes

14. Dactylography-Study of fingerprints

15. Dendrology-Study of trees

16. Dermatology-Study of skin

17. Ecology-Study of environment

18. Economics-Study of material wealth

19. Edaphology-Study of soils

20. Entomology-Study of insects

21. Hematology-Study of blood

22. Hydrogeology-Study of ground water

23. Hygrometry-Study of humidity

24. Linguistics-Study of language

25. Meteorology-Study of weather


26. Numismatics-Study of coins

27. Odontology-Study of teeth

28. Ophiology-Study of snakes

29. Ornithology-Study of birds

30. Osteology-Study of bones

31. Otology-Study of the ear

32. Pathology-Study and diagnosis of disease

33. Psychology-Study of mental functions and behaviors

34. Seismology-Study of earthquakes

35. Thermology-Study of heat

36. Vermeology-Study of worms

37. Zoology-Study of animal

*First Schedule: List of State and Union Territories. *Second Schedule: Salary of President, Governors, Chief Judges, Judges of High Court and Supreme Court, Comptroller and Auditor General. *Third Schedule: Forms of Oaths and Affirmations. *Fourth Schedule: Allocate seats for each State of India in Rajya Sabha. *Fifth Schedule: Administration and control of Scheduled area and tribes. *Sixth Schedule: Provisions for administration of Tribal Area in Assam, Meghalaya, Tripura, Mizoram and Arunachal Pradesh. *Seventh Schedule: Allocation of power and function between Union and States. It contains three lists: *Union List (for Central Government): 98 subjects *State List (for State Government): 62 subjects *Concurrent List (both Union and State): 52 subjects


*Eighth Schedule: List of 22 languages of India recognized by constitution. Assamese, Bengali, Gujarati, Hindi, Kannada, Kashmiri, Malayalam, Marathi, Oriya, Punjabi, Sanskrit, Tamil,Telegu, and Urdu were in list from begining. Sindhi was added in 1967 by 21st amendment; Konkani, Manipuri, and Nepali were added in 1992 by 71st amendment; Santhali, Maithili, Bodo and Dogri were added in 2003 by 92nd amendment. *Ninth Schedule: Added by 1st amendment in 1951. Contains acts and orders related to land tenure, land tax, railways, industries. *Tenth Schedule: Added by 52nd amendment in 1985. Contains provisions of disqualification on grounds of defection. *Eleventh Schedule: Added by 73rd amendment in 1992. Contains provisions of Panchayati Raj. *Twelfth Schedule: Added by 74th amendment in 1992. Contains provisions of Municipal Corporation

1. World Water Day is celebrated. - March 22

2. International Women’s Day is celebrated. - March 8

3. National Sports Day is celebrated. - August 29

4. What is the weight of a cricket ball. - 5.5 to 5.75 oz

5. Jiljist award is related to which game. - Table Tennis

6. Where to find the world’s largest cattle fair. - Sonepur

7. India’s first woman Rajypalthyn. - Sarojini Naidu

8. The Tehri dam is built on which river? - Bhagirathi River


9. largest freshwater lake in India. - Wooler Lake

10. Which is the folk dance of Assam. - Bihu

11. Where is India’s first oil refining plant located Is. - Digboi (Assam)

12. Student accident insurance scheme in the country, the Which state was first introduced. - Madhya Pradesh

13. Which state first implemented in pilot scheme The. - Rajasthan (Ajmer-Sikar)

14. Which area for art Picwai Is known. - Nathdwara (Rajsamand)

15. For hand-made paper in Rajasthan Which region is famous. - Sanganer

--------------------------------------------------------------------- 1. Which is the most abundant metal present in earth's surface ? Answer: Aluminum

2. Which is the most abundant metal present in earth ? Answer: Iron

3. Which country has the oldest National Flag ? Answer: Denmark


4. which country has the oldest national anthem ? Answer: Japan

5. Where is National Defense College situated ? answer: New Delhi

6. Where is National Defense Academy (NDA) situated ? answer: Khadakwasla (Pune)

7. Where is Indian Military Academy situated ? answer: Dehradun

8. Who is the First American president who won the Nobel Prize ? Answer: Theodore Roosevelt

9. Who is the First Russian president who won the Nobel Prize ? Answer: Mikhail Gorbachev

10. Which is the largest lake in the world ? answer: Caspian Sea

11. Which is the Largest Fresh Water Lake in the world ? answer: Lake Superior

12. Which place is known as land of rising sun ? Answer: Japan

13. Which place is known as land of setting sun ? Answer: USA

14. Which place is known as land of midnight sun ? Answer: Norway

15. Heart and soul of the constitution ? answer: Article 32

16. Necessary evil in the Constitution ? answer: Article 22

17. Who discovered the Harappan site Lothal ? Answer: S.R.Rao

18. Who discovered the Harappan site Kalibangan ? Answer: A. Ghosh


19. Who translated Arthashastra in to English ? Answer: R. Shamasastry

20. Who translated Bhagavad Gita in to English ? Answer: Charles Wilkins

21. Who translated Manusmriti in to English ? Answer: William Jones

22. Who translated Gita Govinda in to English ? Answer: William Jones

23. Who translated Abhinjana Shakunthalam in to English ? Answer: William Jones

24. Who is the First president of Chinese republic ? answer: Sun Yat-Sen

25. Who is the First Chairman of Chinese republic ? answer: Mao Tse-tun

1. 1st to introduce government supported family planning in the world. 2. Largest postal network in the world. 3. Largest livestock population. 4. Largest producer of milk. 5. Largest producer of millets in the world 6. Largest consumer of gold jewellery. 7. Largest producer of jute. 8. Largest producer of ginger. 9. Largest producer of bananas. 10. Largest producer of castor oil seeds. 11. Largest producer of mangoes. 12. Largest producer of safflower oil seeds. 13. Largest producer of papayas. 14. Second largest producer of tea, the first position being held by China. 15. Second largest producer of sugarcane, the first position being held by Brazil. 16. Second largest producer of wheat, the first position being held by China.


17. Second largest producer of onions, the first position being held by China. 18. Second largest producer of potatoes, the first position being held by China. 19. Second largest producer of garlic, the first position being held by China. 20. Second largest producer of rice, the first position being held by China. 21. Second largest producer of cotton seed, the first position being held by China. 22. Second largest producer of cement., next to China. 23. India has the second largest arable land in the world. The USA has the largest arable land in the world. 24. India is the third largest producer and second largest consumer of fertilizer in the world. 25. India has the largest deposits of Thorium in the world most of which is found in Kerala. NOTE: The agricultural information is as per latest data available on the website of Food and Agricultural Organisation.

1. Borlaug Award is given in the area. - Agriculture 2. The diameter of the area concerned is respected. - Literature Area 3. In which areas is the Nobel Prize. - Medicine, literature, peace, chemistry, physics (1901) and economics (1969) 4. Who Nobel Prize is given in memory. - Scientific Alfred Bernhard Nobel 5. Antrrrashtryy most prestigious awards in the film industry which is to be given. - Oscar 6. What in the World is a prize in journalism. - Pulitzer 7. Which is the India’s largest national award. - Bharat Ratna 8. What is Asia’s Nobel Prize. - Ramon Magsaysay Award 9. given to soldiers for bravery in India Which Svochy award. - PVC 10. When Gandhi Peace Prize was launched internationally. - In 1995 11. When Kalinga Prize was launched in the country.


- In 1952 12. Which area is concerned Grammy Awards. - Music Zone 13. What is the K-Akbar. - Janul Abedin 14. Which classical dance is concerned Yamini Krishnamurthy. - Bharata Natyam 15. Hema Malini, Sridevi Which classical dance is concerned. - Mohini 16. Which classical dance is concerned Lachchu chef. - Kathak 17. Goa Day is celebrated. - December 19 18. Gujarat and Maharashtra Day is celebrated. - A May 19. Who is the Chief of Navy. - Admiral 20. Who is the head of the Army. - General

What is the full form of PIO ? -PERSON OF INDIAN ORIGIN The border between India and China is called as - Macmohan Line

Who is the founder of wipro - Ajim Premji

Modi addressed which seesion of UN general assembly ? - 69th

How many golds India won in Asian Games 2014 ? - 11

hum hain na is the tagline of which bank ? -ICICI bank

how many country participated in fifa world cup 2014 ? - 32

Peso is the currency of which country(among the given options) ? - Argentina.

What is the currency of Germany ? - Euro

What is the full form of RIDF-RURAL INFRASTRUCTURE DEVELOPMENT FUND .


What is the full form of NRLM ? -NATIONAL RURAL LIVELYHOOD MISSION

What is the full form of NPS ? -NATIONAL PENSION SCHEME

Who is the women and child development minister ? -MENAKA GANDHI

HDFC erdo is which type of company ?-General Insurance Company

What does K stands for in KCC- -Kisan

SBI MINOR ACC for children above 10 years is ? - Pehli Udan

WHO IS SANJAY LEELE BHANSALI ? - Bollywood Director

Who is the author of the book My years with Rajiv and Sonia ? - R D Pradhan

Which bank has largest number of mobile application user ? - SBI

pencilin was discoverd by ? - Alexender Fleming

Where is the headquarters of FAO situated ? - Rome

What is the full form of dos-disk operating system

What is the full form of gui-graphical user interface

Where is the headquarter of Prathma Bank ? – Moradabad

विशि क 7 महादिीऩ (7 continents of the world)

1- एशिया

►एशिया सबस बडा महादिीऩ ह। ►यह विशि क कऱ सथऱ तर क 1/3 भाग ऩर ससथत ह। ►यहाा की 3/4 जनसखया अऩन भरण-ऩोषण क शऱए कवष ऩर ननभभर ह।

►एशिया चािऱ, मकका, जट, कऩास, शसलक इतयादद क उतऩादन क मामऱ म ऩहऱ सथान ऩर ह।

1- Asia ► Asia is the largest continent. ► It is located at 1/3 of the world’s total lot area.


► Jnskya 3/4 of the population depends on agriculture for their sustenance. ► Asia, rice, maize, jute, cotton, silk, etc., is ranked first in terms of output.

2-अफरीका ►अफरीका दननया का दसरा सबस बडा महादिीऩ ह। ►अफरीका का 1/3 दहससा मरसथऱ ह। ►यहाा की मातर 10% भशम ही कवष योगय ह। ►हीर ि सोन क उतऩादन म अफरीका सबस ऊऩर ह।

2 Africa ► Africa is the world’s second largest continent. ► 1/3 part of Africa is desert. ► The only arable land is only 10%. ► production of diamonds and gold in Africa tops.

3-उततरी अमररका ►यह दननया का तीसरा सबस बडा महादिीऩ ह।

►यह दननया क 16% भाग ऩर ससथत ह। ►कषीय सासाधनो की दसटटकोण स यह काफी धनी तर ह।

►विशि क कऱ मकका उतऩादन का आधा उतऩादन यहीा होता ह।

►िन, खननज ि ऊजाभ सासाधनो क दसटटकोण स यह काफी समदध तर ह।

3-North America ► It is the world’s third-largest continent. ► It is a part of the world 16%. ► From the perspective of agricultural resources, it is very rich area. ► produces half of the world’s total corn production is here. ► forest, mineral and energy resources fairly prosperous area with a view.

4-दकषण अमररका ►यह दननया का चौथा सबस बडा महादिीऩ ह। ►इस महादिीऩ का 2/3 दहससा विषित रखा क दकषण म ससथत ह। ►इसक बहत बड दहसस म िन ह।

4 south America ► It is the world’s fourth largest continent. ► 2/3 part of the continent is located south of the equator. ► large parts of its forests.


5-अाटाकभ दटका ►यह विशि का ऩााचिा सबस बडा महादिीऩ ह।

►यह ऩरी तरह दकषणी गोऱादधभ म ससथत ह और दकषण धरि इसक मधय म ससथत ह। ►इस महादिीऩ का 99% दहससा िषभऩयभनत बफभ स ढाका रहता ह। ►यहाा की भशम ऩरी तरह बाजर ह।

5-Antarctica ► It is the world’s fifth largest continent. ► It is perfectly located in the southern hemisphere and the South Pole is located in the middle of it. ► Warspryant share 99% of the continent is covered with ice. ► The land is completely barren.

6-यरोऩ

►यरोऩ एकमातर ऐसा महादिीऩ ह जहाा जनसाखया घनति अधधक होन क साथ-साथ समदधता भी ह। ►यहाा िन, खननज, उऩजाऊ शमटटी ि जऱ बहतायत म ह। ►यरोऩ क महततिऩणभ खननज सासाधन कोयऱा, ऱौह अयसक, ऩटरोशऱयम और पराकनतक गस ह।

6-Europe ► Europe is the only continent where the population density is higher as well as prosperity. ► The forests, minerals, fertile soil and water in abundance. ► Europe’s major mineral resources are coal, iron ore, petroleum and natural gas.

7-ऑसटरशऱया ►यह एकमातर दि ह जो समऩणभ महादिीऩ ऩर ससथत ह। ►यह दि ऩादऩो, िनयजीिो ि खननजो क मामऱ म समदध ह ऱककन जऱ की यहाा काफी कमी ह।

7-Australia ► It is the only country which is located on the entire continent. ► The land plants, wildlife and rich in minerals that matters but lack of water is enough here.


Fresh banknotes issued by Reserve Bank of India till August 2006 were serially numbered. Each of

these bank note bears a distinctive serial number along with a prefix consisting of numerals and

letter/s. The banknotes are issued in packets containing 100 pieces.

The Bank has also adopted the "STAR series" numbering system for replacement of defectively

printed banknotes. The Star series banknotes are exactly similar to the existing Mahatma Gandhi

Series banknotes, but have an additional character viz., a *(star) in the number panel in the space

between the prefix and the number as indicated below:

VOCABULARY

Word: Amoral(Adjective)

Definition: not involving questions of right or wrong; without moral quality; neither moral nor immoral.

Synonyms: Abandoned, Fast, Lewd, Animal, Carnal

Antonyms: Chaste, Good, Innocent, Moral

Example Sentence: But the great thing about good science is that it's amoral, objective and doesn't cater to the court of public opinion.

1. Length of alimentary canal # Approximately 8 meters 2. Longest bone # Femur (thigh bone) 3. Weight of brain # 1400 gms 4. Life span of R.B.C # 120 days 5. Largest gland # Liver


6. Longest cell # Neuron (nerve cell) 7. Thinnest skin # Eyelids 8. pH of urine # 6.0 9. Minimum distance for proper vision # 25 cm 10. Greatest regeneration power # In liver 11. Largest muscles in the body # Gluteus maximus (Buttock muscle) 12. Normal heart beat # 72-75/ minutes 13. Normal body temperature # 37 °C (98.6 °F) 14. Normal B.P # 120/80 mm Hg 15. Smallest bone # Ear ossicle, stapes 16. Blood clotting time # 2-5 minutes 17. Longest nerve # Sciatic 18. Life span of W.B.C # 3-4 days 19. Largest smooth muscle # Uterus of pregnant women 20. Minimum regeneration power # In brain cell

#ExamAffairs

GA

*1+ Who has been chosen for Japan’s top national award The Grand Cordon of the Order of the Paulownia Flowers 2014? Ans - Manmohan Singh [2] Who announced to commemorate the 1000th anniversary of the coronation of ancient Tamil King Rajendra Chola with a series of activities? Ans - Indian Navy [3] Who became a member of International Hockey Federation (FIH) Executive Board? Ans - Hockey India President Narinder Batra [4] Who launched a global campaign in Kenya to end the deadly practice of female genital mutilation? Ans - United Nations (UN) chief Ban Ki-moon [5] Where was the Fourth International Counter-Piracy Conference held? Ans - Dubai [6] Who took charge as Union Finance Secretary under the Union Ministry of Finance? Ans - Rajiv Mehrishi

1] - Ashok Leyland ties up with Bank of Maharashtra for financing 2] - Government aims at 50th position in ease of doing business ranking 3] - DLF gets British Safety Council award for office buildings


4] - Brazilian President Dilma Rousseff is re-elected 5] - Swiss gold exports to India cross CHF 11-billion ; banks turn wary 6] - Microsoft co-founder to donate $100 mn to fight Ebola 7] - Iran appoints acid attacks probe chief 8] - Southern Naval Command gets new Chief of Staff 9] - Hyderabad airport goes live on social media 10] - Sania-Cara pair clinches WTA Finals doubles title 11] - Anirban Lahiri lifts Macau Open title 12] - Serena wins fifth WTA Finals title

1) Let’s take Defaults using convex mirror motor driver.

2) Doctors ear, nose, throat etc. Check for internal Bago, mostly using a concave mirror.

3) sodium bicarbonate soda is called the Baking.

4) based on nuclear fission atomic bomb.

5) Red, green and blue primary colors, mostly.

6) Defaults Baagni rainbow, purple, blue, green, yellow, orange and red (Baajanihpinala), mostly

occur.

7) Most wavelength of red light and light is the lowest Baagni the highest and lowest deviation Baagni

color is red.

8) Hydrogen atom would not be such a neutron nuclear nucleus Defaults.

9) Pewter is made of copper and tin, Gun metal copper, tin and of lead, copper and zinc in brass and

stainless steel Defaults iron, chromium, carbon and nickel, mostly pooled.

10) The use of Cobalt-60 Kaasr course of disease, the use of radioisotope gold 198 carries blood Kaasr

course of treatment.


1. What organization Satyarthy Nobel Peace Prize winner President of Kailash.

→ Save Childhood Movement

2. Malala Yusufzai Nobel Peace Prize which country is receiving.

→ Pakistan

3. More recently, in whom the youngest Nobel Peace Prize has been given.

→ Malala Yusufzai 17 years old

4. In recent Nobel Peace Prize has been given to the Indian.

→ Kailash Saterthi

5. -2014 Nobel Prize in chemistry, has been in the area.

→ Nanoscopy

6. ‘Worthy Fights: A Memoyr of Leadership in War and Peace “Who is the author.

→ Alex Salion Pennetta and Jim Newton

7. To whom India’s first offshore wind energy is being set aside.

→ Gujarat coast

8. Which of the Lal Bahadur Shastri National Award 2014 has been awarded.

→ Apthuktha Shiwatnu Pillai

9. Who Honorary knighthood by Queen Elizabeth (honorary Knighthood) was provided

→ Michael Bloomberg

10. What country to increase trade with India has launched a container service.


→ Myanmar

1 Mossad spy network which country is that? Ans. Israel 2. What is the name of India’s satellite? Ans. Aryabhata 3 IB (Intelegence Bureau) Which country is the Secret? Ans. India 4 Fyuj wire is made? Ans. Lead and tin 5 Defaults are brass? Ans. Copper and zinc 6 - Which element hassrwadik electric conductivity. Ans.- Silver 7 was the first country to put a man on the moon? Ans. America 8 is made Filament electric light bulb? Ans. Tungsten 9 is the source of Kabaddi game? Ans. From India 10 in Sikh Who is The last master Ans. Guru Gobind Siah

General Knowledge Questions


1) Make Goasla is the only snake? Ans. King Cobra 2) Where the poor which animal is the cow ?? Ans. Goat 3) is Australia’s national game ?? Ans. Cricket 4) Where land is Sapoa ?? Ans. Brazil 5) Pink Revolution is related to whom ?? Ans. Prawn production 6) What does the Dynamo meter ?? Ans. Yantrik energy into electric energy. 7) What is the name of the parliament of Israel ?? Ans. Knesset 8) Which is the hottest planet in the solar system ? Ans. Vesper 9) Which course of the following is the main cause of Tsunami ?? Ans. Earthquake 10) Who is delivering his resignation vice president ?? Ans. To the President

1. Dargah of Khwaja Chisti Muinuddin - Ajmer 2. Saint Hamiduddin / Sultane Tarkin shrine of Shah - Nagaur 3. shrine of Kakaji


- Pratapgarh 4. Chishti saint Hazrat Hmiduddin / Mitte Shah / Mahabali Government / Shnshahe shrine of Malwa - Gagron Fort (Jhalawar) 5. Dargah of Pir Fakhruddin (Dawoodi Bohra sect) - Galiakot (Dungarpur) 6. shrine of Pir Baba sugar - Nrhd (Jhunjhunu) The shrine of Pir Shah Kyamkhanion

7. Kamruddin - Jhunjhunu 8. Shrine of Syed Badshah - Shivganj (Sirohi) 9. shrine of Hazrat Shah Diwan -kpasn (Chittorgarh) 10. Large Peer Dargah - Nagaur 11. Kabir Shah’s tomb -kruli

General knowledge 1. Who was the Head of the Joint Rajasthan. - Bhupalasinh


2. Which tribal Kumbh Mela is considered. - Baneshwar Fair (Dungarpur) 3. Which is the largest fair of Gràcia tribe. -mnkharon Fair 4. Saharia tribe called Kumbh Mela is which. - Sitabadi fair 5. by Abul Fazl Akbar is a compilation of letters. - Rukkt-e-Abul Fazl 6. fort of Rajasthan is the second largest living. - Jaisalmer Fort 7. Mandana quartet is made on what occasion? - Holi 8. Yunnan plateau is located. - In China 9. Lost and Bushmen tribe is concerned. - Africa

Prime Minister Narendra Modi inducted 21 new faces into his Council of Ministers on Sunday in the first ever expansion of his team. Modi will hold the portfolios of Personnel, Public


Grievances and Pensions; Department of Atomic Energy Department of Space; All important policy issues and all other portfolios not allocated to any minister.

After the expansion, there are 27 Cabinet Ministers and 39 Ministers of State.

Manohar Parrikar is the new Defence Minister and Suresh Prabhu will head the Railway Ministry.

Here is the full list of the portfolios of the Narendra Modi Council of Ministers:

--------------------------------

Cabinet Ministers

1.Rajnath Singh: Home Affairs

2. Sushma Swaraj: External Affairs, Overseas Indian Affairs

3. Arun Jaitley: Finance, Corporate Affairs, Information & Broadcasting

4. M Venkaiah Naidu; Urban Development, Housing and Urban Poverty Alleviation, Parliamentary Affairs

5. Nitin Jairam Gadkari: Road Transport and Highways, Shipping


6. Manohar Parrikar: Defence

7. Suresh Prabhu: Railways

8. DV Sadananda Gowda: Law & Justice

9. Sushri Uma Bharati: Water Resources, River Development and Ganga Rejuvenation

10. Dr Najma A Heptulla: Minority Affairs

11. Ramvilas Paswan: Consumer Affairs, Food and Public Distribution

12. Kalraj Mishra: Micro, Small and Medium Enterprises

13. Maneka Sanjay Gandhi: Women and Child Development

14. Ananthkumar: Chemicals and Fertilizers

15. Ravi Shankar Prasad: Communications and Information Technology

16. Jagat Prakash Nadda: Health & Family Welfare

17. Ashok Gajapathi Raju Pusapati: Civil Aviation


18. Anant Geete: Heavy Industries and Public Enterprises

19. Harsimrat Kaur Badal: Food Processing Industries

20. Narendra Singh Tomar: Mines, Steel

21. Chaudhary Birender Singh: Rural Development, Panchayati Raj, Drinking Water and Sanitation

22. Jual Oram: Tribal Affairs

23. Radha Mohan Singh: Agriculture

24. Thaawar Chand Gehlot: Social Justice and Empowerment

25. Smriti Zubin Irani: Human Resource Development

26. Harsh Vardhan: Science and Technology Earth Sciences

Ministers of State

----------------------


27. General VK Singh: Statistics and Programme Implementation (Independent Charge), External Affairs, Overseas Indian Affairs

28. Rao Inderjit Singh: Planning (Independent Charge), Defence

29. Santosh Kumar Gangwar: Textiles (Independent Charge)

30. Bandaru Dattatreya: Labour and Employment (Independent Charge)

31. Rajiv Pratap Rudy: Skill Development & Entrepreneurship (Independent Charge), Parliamentary Affairs

32. Shripad Yesso Naik: AAYUSH (Independent Charge) Health & Family Welfare

33. Dharmendra Pradhan: Petroleum and Natural Gas (Independent Charge)

34. Sarbananda Sonowal: Youth Affairs and Sports (Independent Charge)

35. Prakash Javadekar: Environment, Forest and Climate Change (Independent Charge)

36. Piyush Goyal: Power (Independent Charge), Coal (Independent Charge), New and Renewable Energy (Independent Charge)


37. Dr. Jitendra Singh: Development of North Eastern Region (Independent Charge), Prime Minister's Office Personnel, Public Grievances & Pensions Department of Atomic Energy Department of Space

38. Nirmala Sitharaman: Commerce and Industry (Independent Charge)

39. Dr. Mahesh Sharma: Culture (Independent Charge), Tourism (Independent Charge), Civil Aviation

40. Mukhtar Abbas Naqvi: Minority Affairs, Parliamentary Affairs

41. Ram Kripal Yadav: Drinking Water & Sanitation

42. Haribhai Parthibhai Chaudhary: Home Affairs

43. Sanwar Lal Jat: Water Resources, River Development & Ganga Rejuvenation

44. Mohanbhai Kalyanjibhai Kundariya: Agriculture

45. Giriraj Singh: Micro, Small & Medium Enterprises

46. Hansraj Gangaram Ahir: Chemicals & Fertilizers

47. GM Siddeshwara: Heavy Industries & Public Enterprises


48. Manoj Sinha: Railways

49. Nihalchand: Panchayati Raj

50. Upendra Kushwaha: Human Resource Development

51. Radhakrishnan P: Road Transport & Highways, Shipping

52. Kiren Rijiju: Home Affairs

53. Krishan Pal: Social Justice & Empowerment

54. Dr. Sanjeev Kumar Balyan: Agriculture

55. Manuskhbhai Dhanjibhai Vasava: Tribal Affairs

56. Raosaheb Dadarao Danve: Consumer Affairs, Food and Public Distribution

57. Vishnu Deo Sai: Mines, Steel

58. Sudarshan Bhagat: Rural Development


59. Prof. (Dr.) Ram Shankar Katheria: Human Resource Development

60. YS Chowdary: Science and Technology, Earth Science

61. Jayant Sinha: Finance

62. Col. Rajyavardhan Singh Rathore: Information & Broadcasting

63. Babul Supria (Babul Supriyo) Baral: Urban Development, Housing and Urban Poverty Alleviation

64. Sadhvi Niranjan Jyoti: Food Processing Industries

65. Vijay Sampla: Social Justice & Empowerment

• KCC – Kisan Credit Card • KVIC – Khadi and Village Industries Corporation • KYC – Know your customer • LAMPS – Large Sized Adivasi Multipurpose societies • LERMS – Liberalised Exchange Rate Management System • LIC – Life Insurance Corporation of India • MCA – Ministry of Company affairs


• MIS – Management Information System • MICR – Magnetic Ink Character Recognition • NABARD – National Bank for Agriculture and Rural Development • NBFC – Non Banking Finance Companies • NEFT – National Electronic Funds Transfer • NPA – Non Performing assets • NRE – Non Resident External account • NRI – Non Resident Indian • NSE – National Stock Exchange • OLTAS – Online tax accounting system • OMO – Open market operations • PACS – Primary Agricultural Credit Societies • PDO – Public Debt Office • PIN – Personal Identification Number • QIB – Qualified Institutional Buyers • RBI – Reserve Bank of India • RDBMS – Relational Database Management System • REC – Rural Electrification Corporation • RFC – Resident Foreign Currency • RIDF – Rural Infrastructure Development Fund • RRB – Regional Rural Bank • RTGS – Real Time Gross Settlement • RWA – Risk Weighted Assets • SBI – State Bank of India • SCB – Scheduled Commercial Bank • SDR – Special Drawing Rights • SEBI – Securities and Exchange Board of India • SFMS - Structured Financial Messaging Services • SHG – Self Help Group • SIDBI – Small Industries Development Bank of India • SIDC – State Industrial Development Corporation • SJSRY –Swarna Jayanthi Shahari Rozgar Yojana • SLR – Statutory Liquidity Ratio • SLRS – Scheme for Liberation and Rehabilitation of Scavangers • SMERA – SME rating agency of India Limited • SSI – Small Scale Industries • SME – Small and Medium Industries • SSSBE – Small Scale Service and Business Enterprises • UTI – Unit Trust of India • WPI – Wholesale Price Index • YTM – Yield to maturity • LAB – Local Area Banks • ALM – Asset Liability Management • ANBC – Adjusted Net Bank Credit


• ASBA – Applications supported Bank accounts • BOE – Bill of Exchange • CASA – Current and savings accounts • CBLO – Collateralised Bank Lending Obligations • CIBIL – Credit Information Bureau of India Limited • DPG – Deferred Payment Guarantee • DPN – Demand Promissory Note • DRAT – Debt Recovery Appellate tribunal • DRI – Differential Rate of Interest • DSCR – Debt Service Coverage Ratio • EDI – Electronic Data Interchange • EMI – Equated Monthly Instalments • EPS – Earnings Per Share • ESOP – Employee Stock Options • FEDAI – Foreign Exchange Dealers Association of India • FFMC – Full Fledged Money Changers • FOB – Free on Board • LIBOR – London Inter Bank Operations Rate • MIBOR – Mumbai Inter Bank Operations Rate • MOU – Memorandum of Understanding • MCA – Ministry of Company Affairs • NPV – Net Present Value • OCB – Overseas Corporate Bodies • POA – Power of Attorney • RKBY – Rashtriya Krishi Bima Yojana • SEBI – Securities and Exchange Board of India • LAF – Liquidity Adjustment Facility • IDBI – Industrial Development Bank of India • BCSBI – Banking Codes and Standards Board of India • IRDA – Insurance Regulatory Development Authority • DICGC – Deposit Insurance and Credit Guarantee Corporation • SPV – Special Purpose Vehicle • CRISIL – Credit Rating Information Services of India Limited • ICRA – Investment Information and Credit Rating Agency of India Limited • CARE – Credit Analysis and Research Limited • MCX – Multi Commodity Exchange • CCIL – Clearing Corporation of India Limited • OTCEI – Over the Counter Exchange of India • EFT – Electronic Funds Transfer • ARF – Asset Reconstruction Fund • MSS – Market Stabilisation Scheme • CRAR – Capital to Risk Assets Ratio • FSDC – Financial Stability and Development Council • SCARDB – State Cooperative Agriculture and Rural Development Banks


• LERMS – Liberalised Exchange Rate Management System • BOT – Balance of Trade • CAC – Capital account convertibility

1.BRICS summit ( Brazil, Russia, India, China, South‐Africa.) :- ● 5th Summit 2013 : (Durban) South Africa: ● 6th BRICS Summit 2014: to be held in Fortaleza, Brazil from 15‐17 July 2014. ● Next 7th BRICS Summit to be held in Ufa, Russia 2. BIMSTEC Summit :- ● 3rd BIMSTEC summit 2014: Nay Pyi Taw (Myanmar) ● 4th BIMSTEC summit will be held in Nepal. 3. Nuclear security summit :- ● 2nd Summit 2012 – Seoul, South Korea. ● 3rd Summit 2014 - Hague, Netherland ● 4th Summit 2016 - United States 4.G 8 Summit :- ● 39th Summit 2013: United Kingdom. (Northern Ireland) ● G‐8 Countries: Canada, France, Germany, Italy, Japan, Russia, Britain and the US. ● 40th G‐7 summit 2014 held at Brussels. 5. G 20 Summit :- ● G‐20 meeting (2014) of Finance ministers and central bank governors held in Sydney (Australia). ● G20 Leaders Summit (2014) will be held in Brisbane, Queensland Australia, in November 2014. 6. SAARC Summit :- ● 3rd SAARC ministerial meet on poverty alleviation 2013 Kathmandu (Nepal) ● 18th SAARC Summit 2014‐ Kathmandu (proposed) 7. NATO Summit :‐ ● NATO Summit 2014 will be held in Britain. (Britain last hosted the summit in 1990, when Margret Thatcher was Prime Minister). 8. IBSA Summit :- ● India will host the next summit of IBSA (India, Brazil, South Africa) in New Delhi in 2015. OTHER SUMMITS ● 18th BASIC Ministerial Meeting held in New Delhi. BASIC - (Brazil, South Africa, India and China) Note : 17th Meeting on Climate Change was held in Hanzghou, China ● ASEAN foreign-minister-meeting held in Myanmar. ● Fifth Indo-US Strategic Dialogue held in New Delhi during which the two sides discussed “transformative initiatives” in key areas of


security and energy. ● 3rd India-Africa Summit will be held in New Delhi. ● 6th International Nuclear Energy Forum ATOMEXPO-2014 held in Moscow. ● World Economic Forum 2014: held in Abuja (Nigeria). Bharti Enterprises founder and Chairman Sunil Bharti Mittal co– chair this year’s edition of the World Economic Forum on Africa. ●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●●

VOCABULARY

Word: Implausible (Adjective)

Definition: (of an argument or statement) not seeming reasonable or probable; failing to convince.

Synonyms: Dubious, Unreasonable, Fishy, Unbelievable, Incredible

Antonyms: Realistic, Convincing, Likely, Possible

Example Sentence: The student gave the teacher an implausible excuse.

► Recently the former PM of India, Dr. Manmohan SIngh has been honoured by the Civilial Award in

Japan. What is the Name of the Award ?

Answer: "The Grand Cordon of the Order of Paulownia Flowers" .

IMPORTANT SUMMITS

1.BRICS summit ( Brazil, Russia, India, China, South‐Africa.) :- ● 5th Summit 2013 : (Durban) South Africa: ● 6th BRICS Summit 2014: to be held in Fortaleza, Brazil from 15‐17 July 2014. ● Next 7th BRICS Summit to be held in Ufa, Russia

https://www.facebook.com/hashtag/sivachand?source=feed_text&story_id=597761776996958

https://www.facebook.com/hashtag/sivachand?source=feed_text&story_id=597761776996958


2. BIMSTEC Summit :- ● 3rd BIMSTEC summit 2014: Nay Pyi Taw (Myanmar) ● 4th BIMSTEC summit will be held in Nepal.

3. Nuclear security summit :- ● 2nd Summit 2012 – Seoul, South Korea. ● 3rd Summit 2014 - Hague, Netherland ● 4th Summit 2016 - United States

4.G 8 Summit :- ● 39th Summit 2013: United Kingdom. (Northern Ireland) ● G‐8 Countries: Canada, France, Germany, Italy, Japan, Russia, Britain and the US. ● 40th G‐7 summit 2014 held at Brussels.

5. G 20 Summit :- ● G‐20 meeting (2014) of Finance ministers and central bank governors held in Sydney (Australia). ● G20 Leaders Summit (2014) will be held in Brisbane, Queensland Australia, in November 2014.

6. SAARC Summit :- ● 3rd SAARC ministerial meet on poverty alleviation 2013 Kathmandu (Nepal) ● 18th SAARC Summit 2014‐ Kathmandu (proposed)

7. NATO Summit :‐ ● NATO Summit 2014 will be held in Britain. (Britain last hosted the summit in 1990, when Margret Thatcher was Prime Minister).

8. IBSA Summit :- ● India will host the next summit of IBSA (India, Brazil, South Africa) in New Delhi in 2015.


# OTHERS_SUMMITS ● 18th BASIC Ministerial Meeting held in New Delhi. BASIC - (Brazil, South Africa, India and China) Note : 17th Meeting on Climate Change was held in Hanzghou, China ● ASEAN foreign-minister-meeting held in Myanmar. ● Fifth Indo-US Strategic Dialogue held in New Delhi during which the two sides discussed “transformative initiatives” in key areas of security and energy. ● 3rd India-Africa Summit will be held in New Delhi. ● 6th International Nuclear Energy Forum ATOMEXPO-2014 held in Moscow. ● World Economic Forum 2014: held in Abuja (Nigeria). Bharti Enterprises founder and Chairman Sunil Bharti Mittal co– chair this year’s edition of the World Economic Forum on Africa.

PRIZES AND THEIR FIELDS ★★★★★★★★★★★

1. Bourlog Award » Agriculture 2. Academy (oscar) Awards » Film 3. Dada Saheb Phalke Award » Film 4. Bharat Ratna » For outstanding contributions in the field of art/literature /science and public service 5. Ramon Magasaysay Award » Goverment Service, Social Service, Journalism, Literature, Communication and International Understanding. 6. Shankar Award » Indian Philosophy, Culture and Art. 7. Pulitzer Prize » Journalism 8. Jnanpith Award » Literature 9. Saraswati Samman » Literature 10. Vyas Samman » Literature 11. Dhanwantri Award » Medical Science


12. Grammy Award » Music 13. Noble Prize » Peace, Literature, Medicine, Physics, Chemistry, Economics 14. Vachaspati Samman » Sanskrit lIterature 15. Kalinga Award » Science 16. Bhatnagar Award » Science 17. Karbir Samman » Socio-Communal Harmony 18. Arjuna Award » Sports 19. Dronacharya Award » Sports Coaching 20. DhyanChand Award » Lifetime Achievement in Sports

IMPORTANT BANKING ABBREVIATIONS

1. NABARD - National Bank for Agricultural & Rural Development 2. RTGS - Real Time Gross Settlement

3. NEFT - National Electronic Fund Transfer 4. NAV - Net Asset Value 5. NPA - Non Performing Asset 6. ASBA - Account Supported by Blocked Amount 7. BIFR - Board for Industrial and Financial Reconstruction 8. CAMELS - Capital Adequacy, Asset Quality, Management Earnings, Liquidity, Systems & Controls 9. BCSBI - Banking Codes & Standard Board of India 10. BIS – Bank for International Settlement 11. BCBS – Basel Committee on Banking Supervision 12. BOP - Balance of Payment 13. BOT - Balance of Trade 14. BPLR – Benchmark Prime Lending Rate 15. CCIL – Clearing Corporation of India Ltd. 16. CIBIL - Credit Information Bureau of India Ltd. 17. CRISIL - Credit Rating Information Services of India Ltd. 18. CBLO - Collateralised Borrowing & Lending Obligation 19. CPI - Consumer Price Index 20. ADR – American Depository Receipts 21. GDR – Global Depository Receipts 22. ALM - Asset Liability Management 23. ARC – Asset Reconstruction Companies 24. FINO - Financial Inclusion Network Operation 25. CTT - Commodities Transaction Tax


26. CRM - Customer Relationship Management 27. KYC - Know Your Customer 28. SLR - Statutory Liquidity Ratio 29. CRR - Cash Reserve Ratio 30. MSF - Marginal Standing Facility 31. REPO - Repurchase Option 32. NBFC - Non Banking Finance Companies 33. OSMOS - Off-Site Monitoring & Surveillance 34. IFSC - Indian Financial System Code 35. BSE - Bombay Stock Exchange 36. NSE - National Stock Exchange 37. SWIFT - Society for Worldwide Interbank Financial Tele communication 38. FSLRC – Financial Sector Legislative Reforms Commission 39. LAF – Liquidity Adjustment Facility 40. DRT – Debt Recovery Tribunals.

1) Delhi---Yamuna 2) Agra---Yamuna 3) Patna---Ganga 4) Haridwar ---Ganga 5) Allahabad ---confluence of Ganga and Yamuna 6) Varanasi --- Ganga 7) Guwahati ---Brahmaputra 8) Kanpur ---Ganga 9) Jabalpur---Narmada 10) Bharuch --- Narmada 11) Lucknow --- Gomti 12) Hyderabad --- Musi 13) Nasik--- Godavari 14) Srinagar --- Jhelum 15) Vijayawada --- Krishna 16) Kolkata ---Hooghly 17) Ahmedabad ---Sabarmati 18) Surat --- Tapti 19) Thiruchirapalli---Cauveri


20) Cuttack --- Mahanadi 21) Ayodhya ---Saryu 22) Ludhiana---Sutlej

---------------------------------------------------------

1- Who is the 16 th loksabha speaker ? Answer : Sumitra Mahajan.

2- French open Men's 2014 winner ? Answer: Rafael nadal (spain)

3- French open Women's 2014 winner ? Answer: Maria sharapova (Russia)

4- 29th state of India ? Answer: Telangana

5- First chief minister of Telangana ? Answer: K Chandrasekhar Rao

6-What is the fullform for EPE that was in news? Answer: eastern peripheral expressway.

7-Newly elected Israeli president ? Answer: Reuven Rivlin

8- 2014 Australian open Men's title winner ? Answer : Stanislas Wawrinka

9-2014 Australian open WoMen's title winner ? Answer: Li Na

10-What is the nationality of Stanislas Wawrinka ? Answer : switzerland

11-What is the nationality of Li Na ? Answer: China


12- who received last telegram in india ? Answer : Rahul Gandhi

12- Present railway minister of india ? Answer: sadananda gowda

13-From which country India acquired INS Vikramaditya ? Answer: Russia

14- Who is the winner of " Australian Open in badminton women's title " ? Answer: Saina Nehwal

• Name of Central Bank of India: Reserve Bank of India (RBI) • Reserve Bank of India Act passed in 1934. • Reserve Bank of India (RBI) established on 1 April 1935. • Reserve Bank of India (RBI) established on the recommendation of Hilton-Young SCommission. • Hilton-Young Commission submitted its report in the year 1926. • Initially RBI was constructed as a Private Share holders’ bank with fully paid-up capital of Rs 5 Crores. • RBI was nationalize in the year of 1st January,1949. • RBI is a statutory body. • RBI is the sole authority in India to issue Bank notes in India. • RBI can issue currency notes as much as the country requires, provided it has to make a security deposit of Rs. 200 crores, out of which Rs. 115 crores must be in gold and Rs. 85 crores must be FOREX Reserves. • Emblem of RBI: Panther and Palm Tree. • Initially the headquarter of RBI was in Calcutta (Now Kolkata) but in 1937 it was permanently moved to Mumbai, Maharastra. • The Reserve Bank of India has 4 Zonal offices,22 regional offices, most of them in state capitals and 9 Sub-offices • The Executive head of RBI is known as Governor.


• RBI is controlled by the Central Board of Directors. • Indian government appoints the directors for four years tenure. The central board of directors comprises Governor, four deputy governor and fifteen directors. • The bank has also two training colleges for its officers, viz. Reserve Bank Staff College at Chennai and College of Agricultural Banking at Pune. • RBI is a member bank of the Asian Clearing Union. • Chintaman Dwarkanath Deshmukh (C D Deshmukh) was the governor of RBI at the Time of nationalization of RBI in 1949. • C D Deshmukh, then Governor of RBI, represented India at the Bretton Woods negotiations in 1944. • 1st women Deputy Governor of RBI -K.J.Udeshi. • RBI is not a Commercial Bank. • RBI prints currency in 15 Languages. • RBI is a member of IMF (International Monetary Fund). • Its financial year is from 1 July to 30 June. The emblem of RBI is a tiger and a Palm tree. • The first governor of RBI was Sir Osborne Smith (1935-1937). The first Indian governor was CD Deshmukh (1943-1949). Manmohan Singh is the only Prime Minister who also was a Governor of RBI. Current Governor is Raghuram Rajan.

VOCABULARY

Word: Ordeal (Noun)

Definition: A very unpleasant and prolonged experience.

Synonyms: Torture, Difficulty, Trouble, Torment, Agony

Antonyms: Comfort, Contentment, Happiness, Peace

Example Sentence: This book had a gory description about the ordeals faced by soldiers who came back defeated from the battle.

- Headquarters - Kathmandu > Member Country - Capital 1. Afghanistan--Kabul 2. Bangladesh---Dhaka


3. Bhutan---Thimphu 4. India---New Delhi 5. Maldives---Male 6. Nepal---Kathmandu 7. Pakistan---Islamabad 8. Sri Lanka---Colombo

- Headquarters - Jakarta > Member Country - Capital 1. Brunei Darussalam---Bandar Seri Begawan 2. Cambodia--Phnom Penh 3. Indonesia---Jakarta 4. Laos PDR---Vientiane 5. Malayasia---Kuala Lumpur 6. Myanmar---Naypyitaw 7. Phillipines---Manila 8. Singapore---Singapore 9. Thailand---Bangkok 10. Vietnam—Hanoi

- Headquarters - Vienna > Member Country - Capital 1. Algeria---Algiers 2. Angola---Luanda 3. Ecuador---Quito 4. Iran---Teheran 5. Iraq---Baghdad 6. Kuwait---Kuwait City 7. Libya---Tripoli 8. Nigeria---Abuja 9. Qatar---Doha 10. Saudi Arabia---Riyadh 11. U.A.E--- Abu Dhabi 12. Venezuala---Caracas

►Recently which state became India's first state to make Voting compulsory in Local body


elections? ans: Gujarat

1. Bharatanatyam, Tamil Nadu 2. Kathak, North India 3. Kathakali, Kerala 4. Kuchipudi, Andhra Pradesh 5. Manipuri, Manipur 6. Mohiniattam, Kerala 7. Odissi, Odisha 8. Sattriya,Assam

BANKING TERMS - ABBREVIATIONS

• ISCI – International Standard Industrial Classification • KCC – Kisan Credit Card • KVIC – Khadi and Village Industries Corporation • KYC – Know your customer • LAMPS – Large Sized Adivasi Multipurpose societies • LERMS – Liberalised Exchange Rate Management System • LIC – Life Insurance Corporation of India • MCA – Ministry of Company affairs • MIS – Management Information System • MICR – Magnetic Ink Character Recognition • NABARD – National Bank for Agriculture and Rural Development • NBFC – Non Banking Finance Companies



• NEFT – National Electronic Funds Transfer • NPA – Non Performing assets • NRE – Non Resident External account • NRI – Non Resident Indian • NSE – National Stock Exchange • OLTAS – Online tax accounting system • OMO – Open market operations • PACS – Primary Agricultural Credit Societies • PDO – Public Debt Office • PIN – Personal Identification Number • QIB – Qualified Institutional Buyers • RBI – Reserve Bank of India • RDBMS – Relational Database Management System • REC – Rural Electrification Corporation • RFC – Resident Foreign Currency • RIDF – Rural Infrastructure Development Fund • RRB – Regional Rural Bank • RTGS – Real Time Gross Settlement • RWA – Risk Weighted Assets • SBI – State Bank of India • SCB – Scheduled Commercial Bank • SDR – Special Drawing Rights • SEBI – Securities and Exchange Board of India • SFMS - Structured Financial Messaging Services • SHG – Self Help Group • SIDBI – Small Industries Development Bank of India • SIDC – State Industrial Development Corporation • SJSRY –Swarna Jayanthi Shahari Rozgar Yojana • SLR – Statutory Liquidity Ratio • SLRS – Scheme for Liberation and Rehabilitation of Scavangers • SMERA – SME rating agency of India Limited • SSI – Small Scale Industries • SME – Small and Medium Industries • SSSBE – Small Scale Service and Business Enterprises • UTI – Unit Trust of India • WPI – Wholesale Price Index • YTM – Yield to maturity • LAB – Local Area Banks • ALM – Asset Liability Management • ANBC – Adjusted Net Bank Credit • ASBA – Applications supported Bank accounts • BOE – Bill of Exchange • CASA – Current and savings accounts • CBLO – Collateralised Bank Lending Obligations


• CIBIL – Credit Information Bureau of India Limited • DPG – Deferred Payment Guarantee • DPN – Demand Promissory Note • DRAT – Debt Recovery Appellate tribunal • DRI – Differential Rate of Interest • DSCR – Debt Service Coverage Ratio • EDI – Electronic Data Interchange • EMI – Equated Monthly Installments • EPS – Earnings Per Share • ESOP – Employee Stock Options • FEDAI – Foreign Exchange Dealers Association of India • FFMC – Full Fledged Money Changers • FOB – Free on Board • LIBOR – London Inter Bank Operations Rate • MIBOR – Mumbai Inter Bank Operations Rate • MOU – Memorandum of Understanding • MCA – Ministry of Company Affairs • NPV – Net Present Value • OCB – Overseas Corporate Bodies • POA – Power of Attorney • RKBY – Rashtriya Krishi Bima Yojana • SEBI – Securities and Exchange Board of India • LAF – Liquidity Adjustment Facility • IDBI – Industrial Development Bank of India • BCSBI – Banking Codes and Standards Board of India • IRDA – Insurance Regulatory Development Authority • DICGC – Deposit Insurance and Credit Guarantee Corporation • SPV – Special Purpose Vehicle • CRISIL – Credit Rating Information Services of India Limited • ICRA – Investment Information and Credit Rating Agency of India Limited • CARE – Credit Analysis and Research Limited • MCX – Multi Commodity Exchange • CCIL – Clearing Corporation of India Limited • OTCEI – Over the Counter Exchange of India • EFT – Electronic Funds Transfer • ARF – Asset Reconstruction Fund • MSS – Market Stabilisation Scheme • CRAR – Capital to Risk Assets Ratio • FSDC – Financial Stability and Development Council • SCARDB – State Cooperative Agriculture and Rural Development Banks • LERMS – Liberalised Exchange Rate Management System • BOT – Balance of Trade • CAC – Capital account convertibility • NDS – Negotiated Dealing System


Exam Affairs! Go to this Link > https://www.facebook.com/Exam.Affairs.EA

Kohli joins star Ambassadors for 2015 World Cup

India's Virat Kohli joins an elite list of star Ambassadors to provide neccessary support in the build-up to the ICC 2015 World Cup to be co-hosted by Australia and New Zealand between February and March.

Kohli, Australian pacer Mitchell Johnson, all-rounder Shane Watson, New Zealand skipper Brendon McCullum and Sri Lankan veteran Kumar Sangakkara have been appointed ambassadors for cricket's most-anticipated event, which is now only 92 days away.

MARKETING: Marketing is a social and managerial process through which needs and wants of

individual/organisation are satisfied by the exchange of goods and services.

NEED: Need can be defined as something that is necessary for survival.

Ex: Drinking water when thirsty is a need.

WANT: It can be called as different ways of satisfying need.

Ex: Drinking coca-cola(or frooti) when thirsty(options avail.)

Selling works on PUSH strategy,whereas marketing works on PULL strategy.

Selling is always a subset of marketing,marketing is a superset.Sales related with short term relations

and marketing focuses on long term relations.

Purpose of selling is to make profit immediately.(Ex: general stores)

Purpose of marketing is to make customer satisfaction and to maintain long term relations.(Ex:DELL

service)

Customer: A customer is the recipient of good/service/idea obtained from a seller.


Consumer: The one who consumed or utilises good/product is called as consumer. A customer may or

may not be a consumer.

Ex: A father purchases a 5star for his son, here father is the customer and son is the consumer.

Steps in marketing:

Marketing research Product management Price Promotion Place After sales service Feedback

Types of consumer goods:

Consumer goods (such as bread, milk,paper, sugar) that are bought often and consumed routinely.

Impulse: Purchased suddenly on stimuli(Ex:chocolates kept at billing counter).

Shopping goods: Goods which are occasionally purchased,cost is moderate. People invest time and

efforts.Brand may be considered.

Ex:Textiles,watches,costumes.

Special goods: Goods which are purchased very rarely as they are very expensive.one or two outlets

are available.people are extremely brand conscious.

Ex: Jewellery,paintings,BMW cars.

Unsought goods: Even though customers are not interested,he/she forced to buy because of some

obligations.

Ex: Insurance policies,ice box for the dead.

Niche market: Market which focuses on particular segment and creating distinct image.

Ex: nano car.

Customised product: Customer requirements are taken into account.

Augmented product: Improvement made by the manufacturer voluntarily.

Potential product: Which may introduce in the future depending on technological and economic

resources of the firm.

Unique selling proposition(USP): A quality feature design which is available only in one product which

is not in other products.


Ex: bajaj pulsar,yamaha fz.

Product mix: All different range of products offered by a company.

Ex: TATA offering salt to airways.

Product width: No. of categories in a product mix.

Ex: hair care,skin care etc.

Product depth: No. of alternatives in each category.

Ex: soap category:lux,cinthol,pears,lifebuoy.

Product line: continuous and consistent availability of the product in the market.

Product life cycle:

It analyses sales and profit of a product through four stages.

STAGE SALES PROFIT

Types of Pricing:

Price is the monetary value given by the customer for the exchange of goods and services.

Follow leader: Adjust the prices according to the dominant player in the market.



Ex: apple (smart phones).

Cost plus: Keeping price just above the cost price to recover the operational expenditure.

Ex: R.K.(ramakrishna) MATH spoken english book for 25/- only

Penetration: Keeping prices low initially when a product is released for the first time.

Ex: sakshi paper for only 2/- with full color pages instead of 3/-

Predatory: keeping the prices low to kill competitors and later increasing it after the competitors left

the market.

Ex: Stores like Walmart will effect the kirana stores in the same way.

Skimming: opposite of predatory,keeping prices very high initially when there is no competition and

later decreasing it to match the competition.

Ex: Iphone.

Psychological pricing: Offering different ranges of prices to give psychological comfort to the buyer.

Ex: 499,299,599/- customer thinks that it is only in 400's,200's & 500's range.

Deceptive pricing: Promotion tactics disguise customer from knowing the actual price.

Ex: Koti market(Hyderabad) goods,initially,seller will tell the price of a luggage bag as 500/-later on

bargaining he will give it to 100/-

Promotion: Purpose is to create awareness about a product in the market.

Advertisements: Paid form of impersonal communications.

Publicity: Ads, hoardings, pamphlets.

Direct selling: DSA approaches buyer personally at their doorsteps to know the consumer

behaviour.(very effective but expensive too).

Aggressive marketing: Style of promoting a product which is very forceful or energetic due to increase

in the competition.

Co-branding: Promotion of two related products through common brand.

Ex: Nike and Apple brought fitness and music together by developing a wireless music kit along with

the shoes.

Place: Product should be made available at a convenient location to the customers.

Length of the channel: no. of intermediaries between actual producer and the final consumer.


Push: Forced to buy the goods by keeping offers like buy 1 get 2.

Pull: Pleasure to buy the goods like android mobiles. Cold call: Persuading or motivating a customer to

buy immediately who is in dilemma.

Customisation: Modifying basic products as suitable to the customers.

Standardisation: Offering same product of same quality globally.

Consumer black box: What goes on in the minds of the customer actually at the time of buying a

product.

Societal marketing: Marketing for a social cause(CSR-corporate social responsibility)

Ethical marketing: Explaining positives and negatives in a realistic manner about a product for the

benefit of the customers.

Purpose of marketing research is to identify need and want of the customer through primary and

secondary data.

Primary data is collected through survey,secondary data is collected through official record.

Best approach for exploratory research is observation.

Best approach for casual research is experimental.

Best approach for descriptive research is survey.

Giffen goods: Giffen good is an inferior good with the unique characteristic that an increase in price

actually increases the quantity of the good that is demanded. This provides the unusual result of an

upward sloping demand curve.This happens because of the interactions of the income and

substitution effects. Depending on whether the good is inferior or normal, the income effect can be

positive or negative as the price of a good increases.

Blue ocean strategy- Requires communication skills,innovation skills and motivation.

Data mining means analysing data stored with back office staff.

#‎‎ROHIT SHARMA- highest individual run scorer in a single ODI game..

https://www.facebook.com/hashtag/rohit?source=feed_text&story_id=598827443557058


IMPORTANT BANKING ABBREVIATIONS

1. NABARD - National Bank for Agricultural & Rural Development 2. RTGS - Real Time Gross Settlement

3. NEFT - National Electronic Fund Transfer 4. NAV - Net Asset Value 5. NPA - Non Performing Asset 6. ASBA - Account Supported by Blocked Amount 7. BIFR - Board for Industrial and Financial Reconstruction 8. CAMELS - Capital Adequacy, Asset Quality, Management Earnings, Liquidity, Systems & Controls 9. BCSBI - Banking Codes & Standard Board of India 10. BIS – Bank for International Settlement 11. BCBS – Basel Committee on Banking Supervision 12. BOP - Balance of Payment 13. BOT - Balance of Trade 14. BPLR – Benchmark Prime Lending Rate 15. CCIL – Clearing Corporation of India Ltd. 16. CIBIL - Credit Information Bureau of India Ltd. 17. CRISIL - Credit Rating Information Services of India Ltd. 18. CBLO - Collateralised Borrowing & Lending Obligation 19. CPI - Consumer Price Index 20. ADR – American Depository Receipts 21. GDR – Global Depository Receipts 22. ALM - Asset Liability Management 23. ARC – Asset Reconstruction Companies 24. FINO - Financial Inclusion Network Operation 25. CTT - Commodities Transaction Tax 26. CRM - Customer Relationship Management 27. KYC - Know Your Customer 28. SLR - Statutory Liquidity Ratio 29. CRR - Cash Reserve Ratio 30. MSF - Marginal Standing Facility 31. REPO - Repurchase Option 32. NBFC - Non Banking Finance Companies 33. OSMOS - Off-Site Monitoring & Surveillance 34. IFSC - Indian Financial System Code 35. BSE - Bombay Stock Exchange 36. NSE - National Stock Exchange 37. SWIFT - Society for Worldwide Interbank Financial Tele communication


38. FSLRC – Financial Sector Legislative Reforms Commission 39. LAF – Liquidity Adjustment Facility 40. DRT – Debt Recovery Tribunals.

World Kindness Day – 13/11/2014

Here are the highlights of Budget 2014:

Fiscal deficit target retained at 4.1% of GDP for current fiscal and 3.6 for 2015-16 and 3% for 2016-17

Revenue Deficit seen at 2.9% for FY15

Aim to achieve 7-8 per cent economic growth rate in next 3-4 years: FM

Committed for growth of agriculture at the rate of 4 per cent.

Defence FDI cap raised to 49% from 26% at present

https://www.facebook.com/hashtag/worldkindnessday


Exemption limit on income tax from Rs. 2 lakh to Rs. 2.5 lakh.

For senior citizens, the exemption on income has been raised to Rs. 3 lakh per annum.

Tax-free cap on home loan interest from Rs. 1.5 to Rs. 2 lakh.

No change in Income tax rates and slabs .

Annual PPF ceiling to be enhanced to Rs 1.5 lakh, from Rs 1 lakh


Women Safety:

Outlay of Rs. 50 crores for a pilot scheme on road safety

Another 150 crores to be spent by MHA on safety on women in larger cities

‘Beti Bachao, Beti Padhao Yojana’ - 100 crores

Rs 3600 cr set aside for National Rural Drinking Water: FM

Rural housing: Rs 8000 crore for national housing banking programme

Metro rails in PPP mode; Rs. 100 cr set aside for metro scheme in Ahmadabad and Lucknow

Each year government will be adding AIIMS to ensure there is an AIIMS in every state: Jaitley


Rs 100 crores to set up virtual classrooms

Rs 500 crores for setting up 5 more IIMs and IITs

FM Proposes to enhance the scope of income tax settlement commission

Rs 7,060 crore allocated for building new cities

Jaitley announces e-visas to promote tourism

The government is committed to the welfare of scheduled castes and tribes.


Rs 200 crores credit scheme for start-ups by those from scheduled castes and tribes

Government is committed to providing 24×7 electricity in all houses

15 Braille press to come up.

Currency note with Braille-like signs

Promote FDI selectively in sectors. India needs a boost in job creation in the manufacturing sector

24×7 electricity in all houses


Minimum pension of Rs.1000 per month to all PP schemes.

Rs 50,548 cr proposed for SC development

Bharat Swach Yojna proposed for hygiene and cleanliness.

Rs. 200 crore for Statue of Unity, a statue of Sardar Patel in Gujarat.

Rs. 1000 cr for irrigation plan named Pradhan mantri krishi sichayin yojana.

Skill India initiative to make youth employable and create more entrepreneurs.


Kisan Vikas Patra to be expanded.

e-visa for nine cities.

Rs. 7060 cr for creating smart cities.

Assam and Jharkhand to get Centre of Excellence on farming

Rs. 100 crores for modernization of Madrasas

Jaitley announces Skill India, a programme to train youth for jobs


Equity in PSU banks to be raised through share sale to the public

Rural housing: Rs 8000 crores for national housing banking programme

MGNREGA programme to made more productive

Senior Citizens Pension Plan Extended Till August 2015

National Adaption Fund for climate change to be set up


Rs. 500 crore for price stabilization fund.

100 soil testing laboratories across the country.

House resumes. Budget Speech continues.

Agriculture University in AP and Rajasthan, and Horticulture University in Haryana, Telangana; Rs. 200 cr set aside

An AIIMS will be created in every state.

All six new AIIMS are functional. Four more AIIMS under consideration. 12 more medical colleges will be added. Rs. 500 crore allocated for this.


MGNREGA programme will be made more productive

Crisis Management Center for women at Delhi

Start up village at Rs 100 crore to promote entrepreneurship among rural youth.

Rs. 14,389 crores for PM Sadak Yojana

Rs 200 crore allocated to set up six textiles clusters


ABCI – Association of Business Communicators of India

ABCP – Asset Backed Commercial Paper

ACU – Asian Clearing Union

ADB – Asian Development Bank

ADF – Augmented Dicky Fuller

ADR – Asset Development Reserve

ADRs – American Depository Receipts

AD – Authorised Dealers

AERA – Airport Economic Regulatory Act

AFI – Annual Financial Inspection

AIFI – All India Financial Institution

AIMSCS – Advanced Institute of Mathematics, Statistics and Computer Science

ALM – Asset Liability Management

AMA – Advanced Measurement Approach

AMFI – Association of Mutual Funds in India

AML – Anti-Money Laundering



AMU – Asian Monetary Unit

ANBC – Adjusted Net Bank Credit

APS – Annual Policy Statement

AS – Accounting Standard

ATM – Automated Teller Machine

BAFT – Bankers’ Association for Finance &Trade

BC – Business Correspondent

BCBS – Basel Committee on Banking Supervision

BCP – Business Continuity Planning

BCSBI – Banking Codes and Standards Board of India

BE – Budget Estimates

BF – Business Facilitator

BFS – Board for Financial Supervision

BFSI – Banking Financial Services and Insurance

BIS – Bank for International Settlements

BMP – Basic Management Programme

BoP – Balance of Payments

BPLR – Benchmark Prime Lending Rate

BPSS – Board for Regulation and Supervision of Payment and Settlement Systems

BRBNMPL – Bharatiya Reserve Bank Note Mudran Private Limited

BSA – Bilateral Swap Arrangements

BSE – Bombay Stock Exchange, Mumbai

BSR – Basic Statistical Returns


BTC – Bankers’ Training College

CA – Concurrent Audit

CAB – College of Agricultural Banking

CACP – Commission for Agricultural Costs and Prices

CAD – Current Account Deficit

CAMELS – Capital Adquacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control

CAS – Central Account Section

CBDT – Central Board of Direct Taxes

CBLO – Collateralised Borrowing and Lending Obligation

CBS – Consolidated Banking Statistics

CBS – Core Banking Solutions

CC – Cubic Capacity

CCB – Central Co-operative Bank

CCC – Central Complaints Committee

CCIL – Clearing Corporation of India Limited

CCR – Counterfeit Currency Report

CCRS – Currency Chest Reporting System

CD – Certificate of Deposit

C-D – Currency-Deposit

CDBMS – Centralised Data Base Management System

CDOs – Collateralised Debt Obligations

CDR – Corporate Debt Restructuring


CDS – Credit Default Swap

CENVAT – Central Value Added Tax

CFMS – Centralised Funds Management System

CFSA – Committee on Financial Sector Assessment

CFT – Combating Financing of Terrorism

CGFTMSE – Credit Guarantee Fund Trust for Micro and Small Enterprises

CGRA – Currency & Gold Revaluation Account

CIC – Central Information Commission

CICs – Credit Information Companies

CIS – Commonwealth of Independent States

CMCPS – Compulsorily and Mandatorily Convertible Preference Shares

CMIS – Currency Management Information System

CoBoSAC – Corporate Bonds and Securitisation Advisory Committee

CODs – Central Office Departments

CoR – Certificate of Registration

CP – Commercial Paper

CPADS – Centralised Public Accounts Department System

CPC – Cheque Processing Centre

CPDO – Centralised Public Debt Office

CPFF – Commercial Paper Funding Facility

CPI – Consumer Price Index

CPI-AL – Consumer Price Index-Agricultural Labourers

CPI-RL – Consumer Price Index-Rural Labourers


CPI-IW – Consumer Price Index for IndustrialWorkers

CPIO – Central Public Information Officer

CPIs – Consumer Price Indices

CPMG – Corporate Performance Monitoring Group

CPPC – Central Pension Payment Cell

CPSEs – Central Public Sector Enterprises

CR – Contingency Reserve

CRAR – Capital to Risk-Weighted Assets Ratio

CRCS – Central Registar of Co-operative Societies

CRR – Cash Reserve Ratio

CSAA – Control Self Assessment Audit

CSD – Customer Services Department

CSF – Consolidated Sinking Fund

CSGL – Constituant Subsidiary General Ledger

CSO – Central Statistical Organisation

CTR – Cash Transaction Receipt

CTS – Cheque Truncation System

CTS – Complaint Tracking System

CVD – Countervailing Duty

CVPS – Currency Verification and Processing System

CWC – Central Water Commission

DAD – Deposit Accounts Department

DAP – District Agricultural Plan


DAPM – Department of Administration and Personnel Management

DBOD – Department of Banking Operations and Development

DBS – Department of Banking Supervision

DCC – District Consultative Committee

DCCB – District Central Cooperative Bank

DCM – Department of Currency Management

DEAP – Department of Economic Analysis and Policy

DEBC – Department of Expenditure and Budgetary Control

DEIO – Department of External Investments and Operations

DEPB – Duty Entitlement Pass Book

DGBA – Department of Government and Bank Accounts

DGCI & S – Directorate General of Commercial Intelligence and Statistics

DIC – District Industries Centre

DICGC – Deposit Insurance and Credit Guarantee Corporation

DIP – Disclosure and Investor Protection

DIT – Department of Information Technology

DMIS – Document Management Information System

DNBS – Department of Non-Banking Supervision

DOC – Department of Communication

DoT – Department of Telecommunication

DRG – Development Research Group

DRI – Differential Rate of Interest

DRT – Debt Recovery Tribunal


DS – Difference Stationary

DSB – Designated Settlement Banks

DSIM – Department of Statistics and Information Management

DvP – Delivery versus Payment

EACB – European Association of Co-operative Banks

EBT – Electronic Benefit Transfer

ECB – European Central Bank

ECBs – External Commercial Borrowings

ECGC – Export Credit Guarantee Corporation

ECR – Export Credit Refinance

ECS – Electronic Clearing Services

EEA – Exchange Equalisation Account

EEFC – Exchange Earners’ Foreign Currency

EFT – Electronic Funds Transfer

EMEs – Emerging Market Economies

EOU – Export Oriented Unit

EPCG – Export Promotion Capital Goods

ESOS – Employees Stock Option Scheme

EU – European Union

EXIM Bank – Export Import Bank

FAO – Food & Agriculture Organisation

FAQs – Frequently Asked Questions

FATF – Financial Action Task Force


FBT – Fringe Benefit Tax

FC – Financial Conglomerate

FCAs – Foreign Currency Assets

FCCB – Foreign Currency Convertible Bond

FCI – Food Corporation of India

FCNR(B) – Foreign Currency Non-Resident (Banks)

FDI – Foreign Direct Investment

FED – Foreign Exchange Department

FEDAI – Foreign Exchange Dealers’ Association of India

FI – Financial Institutions

FIEO – Federation of Indian Export Organisation

FIIs – Foreign Institutional Investors

FIPB – Foreign Investment Promotion Board

FITL – Funded Interest Term Loan

FIU-IND – Financial Intelligence Unit-India

FLCCs – Financial Literacy and Credit Counseling Centres

FMCG – Fast Moving Consumer Goods

FMD – Financial Markets Department

FOF – Flow of Funds

FPS – Focus Product Scheme

FRBM – Fiscal Responsibility and Budget Management

FRBs – Floating Rate Bonds

FRL – Full Reservoir Level


FRLs – Fiscal Responsibility Legislations

FSB – Financial Stability Board

FSF – Financial Stability Forum

FST – Financial Sector Technology

FVCIs – Foreign Venture Capital Investors

GCC – Gulf Cooperation Council

GCCs – General-purpose Credit Cards

GDP – Gross Domestic Product

GDRs – Global Depository Receipts

GFCE – Government Financial Consumption Expenditure

GFD – Gross Fiscal Deficit

GFSR – Global Financial Stability Report

GIPSA – General Insurer’s (Public Sector) Association of India

GoI – Government of India

GRF – Guarantee Redemption Fund

GSDP – Gross State Domestic Product

GST – Goods and Services Tax

HFCs – Housing Finance Companies

HLAC – High Level Advisory Committee

HLCCFM – High Level Coordination Committee on Financial Markets

HLG – High Level Group

HR – Human Resources

HRDD – Human Resources Development Department


HRMS – Human Resources Managements System

HSUI – Housing Start Up Index

HTM – Held-to-Maturity

IAS – Integrated Accounting Systems

IASC – Inspection and Audit Sub-Committee

IBA – Indian Banks’ Association

ICAC – International Cotton Advisory Committee

ICAI – Institute of Chartered Accountants of India

ICAR – Indian Council for Agricultural Research

ICCOMS – Integrated Computerised Currency Operations and Management System

ICT – Information and Communication Technology

IDMD – Internal Debt Management Department

IDR – Indian Depository Receipt

IDRBT – Institute for Development & Research in Banking Technology

IEM – Industrial Entrepreneurs Memoranda

IES – Integrated Establishment System

IGIDR – Indira Gandhi Institute of Development Research

IIA – Institute of Internal Auditors

IIBM – Indian Institute of Bank Management

IIFCL – India Infrastructure Finance Company Limited

IIFT – Indian Institute of Foreign Trade

IIP – Index of Industrial Production

ILO – International Labour Organisation


IMA – Internal Models Approach

IMD – India Millennium Deposits

IMD – India Meteorological Department

IMF – International Monetary Fund

IMFC – International Monetary and Financial Committee

IODP – Integrated Officers Development Programmes

IPAs – Issuing and Paying Agents

IPCC – Inter-Govermental Panel on Climate Change

IPCs – Irrevocable Payment Commitments

IPDIs – Innovative Perpetual Debt Instruments

IPOs – Initial Public Offerings

IP-RR – Interest Payment – Revenue Receipt

IRB – Internal Ratings-Based

IRDA – Insurance Regulatory and Development

IRFs – Interest Rate Futures

ISA – Information Systems Audit

ISACA – Information Systems Audit and Control Assessment

ISMS – Information Security Management System

ISO – International Organisation for Standardisation

IT – Information Technology

IT-BPO – Information Technology – Business Process Outsourcing

ITEs – Intra-Group Transactions and Exposures

IWMP – Integrated Watershed Management Programme


JLG – Joint Liability Group

JNNURM – Jawaharlal Nehru National Urban Renewal Mission

KCCs – Kisan Credit Cards

KVIBs – Khadi and Village Industries Boards

KVIC – Khadi and Village Industries Commission

KYC – Know Your Customer

LAF – Liquidity Adjustment Facility

LB – Lowest daily outstanding Balance

LCD – Liquid Crystal Display

LIBOR – London Inter-Bank Offer Rate

LOI – Letter of Intent

LPA – Long Period Average

MASI – Management Audit Systems Inspection

MAT – Minimum Alternate Tax

MCA – Ministry of Corporate Affairs

MBS – Mortgage Backed Securities

MF – Mutual Funds

MFDEF – Micro Finance Development and Equity Fund

MFDF – Micro Finance Development Fund

MFI – Micro Finance Institution

MICR – Magnetic Ink Character Recognition

MMA – Macro Management of Agriculture

MMBCS – Magnetic Media Based Clearing System


MMMFs – Money Market Mutual Funds

MMS – Multi Modal Settlements

MODVAT – Modified Value Added Tax

MoU – Memorandum of Understanding

MPD – Monetary Policy Department

MPI – Macro-Prudential Indicators

MPLS – Multi Protocol Label Switching

MSE-CDP – Micro and Small Enterprises Cluster Development Programme

MSEs – Micro and Small Enterprises

MSMEs – Micro, Small and Medium Enterprises

MSOE – Minimum Standards of Operational Efficiency

MSP – Minimum Support Price

MSS – Market Stabilisation Scheme

MTM – Mark-to-Market

NAB – New Arrangement to Borrow

NABARD – National Bank for Agriculture and Rural Development

NASSCOM – National Association of Software and Services Companies

NAV – Net Asset Value

NBFCs – Non-Banking Financial Companies

NBFC-D – Deposit taking NBFC

NBFC-ND – Non-deposit taking NBFC

NBFC-ND-SI – Systemically Important Non-deposit taking NBFC

NCR – National Capital Region


NBO – National Building Organisation

NDA – Net Domestic Asset

NDS – Negotiated Dealing Systems

NDS – OM – Negotiated Dealing System – Order Matching

NDTL – Net Demand and Time Liability

NECS – National Electronic Clearing System

NEFT – National Electronic Funds Transfer

NFS – National Financial Switch

NFA – Net Foreign Assets

NFSM – National Food Security Mission

NGO – Non-Government Organisation

NHB – National Housing Bank

NIBM – National Institute of Bank Management

NIC – National Informatics Centre

NIF – National Investment Fund

NIMSME – National Institute for Micro, Small and Medium Enterprises

NIPFP – National Institute of Public Finance and Policy

NOC – No Objection Certificate

NOF – Net Owned Funds

NPAs – Non-Performing Assets

NPCI – National Payments Corporation of India

NPS – New Pension Scheme


NRAA – National Rain Fed Area Authority

NREGS – National Rural Employment Guarantee Scheme

NR(E)RA – Non-Resident (External) Rupee Account

NRI – Non-Resident Indian

NRRDA – National Rural Road Development Agency

NSE – National Stock Exchange

NSM – Note Sorting Machine

NSSF – National Small Saving Fund

NSSO – National Sample Survey Organisation

OBCs – Other Backward Classs

OBE – Off- Balance Sheet Exposures

OD – Overdraft

OECD – Organisation for Economic Co-operation and Development

ODI – Offshore Derivative Instruments

OLTAS – Online Tax Accounting System

OMO – Open Market Operation

OMS – Open Market Sales

OPEC – Organisation for Petroleum Exporting Countries

ORFS – Online Returns Filing System

OSMOS – Off-Site Monitoring and Surveillance

OTC – Over-the-Counter

OTS – One-Time Settlement

PACS – Primary Agricultural Credit Socity


PAD – Public Accounts Department

PAN – Permanent Account Number

PCA – Prompt Corrective Action

PCPS – Perpetual Cumulative Preference Shares

PDs – Primary Dealers

PDI – Perpetual Debt Instruments

PDO – Public Debt Office

PDO-NDS – Public Debt Office – Negotiated Dealing System

PDS – Public Distribution System

PE – Private Equity

PFCE – Private Final Consumption Expenditure

PFRDA – Pension Fund Regulatory and Development Authority

PGPBF – Post Graduate Programme in Banking & Finance

PIT – Personal Income Tax

PMEGP – Prime Minister Employment Generation Programme

PMLA – Prevention of Money Laundering Act

PMRY – Prime Minister’s Rojgar Yojana

PNCPs – Perpetual Non-Cumulative Preference Shares

POL – Petroleum, Oil and Lubricants

PPP – Public Private Partnership

PSBs – Public Sector Banks

PSS Act – Payment & Settlement Systems Act

PSUs – Public Sector Undertakings


QCBS – Quality and Cost Based Selection

QIB – Qualified Institutional Buyer

QIP – Qualified Institutional Placement

QMS – Quality Management System

R&D – Research & Development

RBIA – Risk Based Internal Audit

RBSC – Reserve Bank Staff College

RCs – Reconstruction Companies

RCC – Regional Complaints Committee

RCS – Registar of Co-operative Societies

RE – Revised Estimates

REER – Real Effective Exchange Rate

REGP – Rural Employment Generation Programme

RIDF – Rural Infrastructure Development Fund

RKVY – Rashtriya Krishi Vikas Yojana

RNCPS – Redeemable Non-Cumulative Preference Shares

RoA – Return on Assets

ROE – Return on Equity

ROSC – Report on Observance of Standards and Codes

RPCD – Rural Planning and Credit Department

RRBs – Regional Rural Banks

RTGS – Real Time Gross Settlement

RTI – Right to Information


RTP – Reserve Tranche Position

SAARC – South Asian Association for Regional Co-operation

SACPs – Special Agricultural Credit Plans

SAD – Single Administrative Document

SDDS – Special Data Dissemination Standards

SAMIS – Service Area Monitoring and Information System

SAP – State Agricultural Plan

SARFAESI – Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest

SBI – State Bank of India

SC – Scheduled Caste

SCs – Securitisation Companies

SCB – Scheduled Commercial Bank

SDLs – State Development Loans

SDR – Special Drawing Rights

SEBI – Securities and Exchange Board of India

SEZs – Special Economic Zones

SFCs – State Finance Corporations

SFMS – Structured Financial Messaging System

SFURTI – Scheme for Fund for Regeneration of Traditional Industries

SGL – Subsidiary General Ledger

SHGs – Self-Help Groups

SIDBI – Small Industries Development Bank of India


SIFI – Systemically Important Financial Intermediaries

SIPS – Systemically Important Payment System

SITP – Scheme for Integrated Textile Parks

SIVs – Structured Investment Vehicles

SLAF – Second Liquidity Adjustment Facility

SLA(IC) – Sundry Liabilities Account (Interest Capitalisation)

SLB – Securities Lending and Borrowing

SLBC – State Level Bankers’ Committee

SLR – Statutory Liquidity Ratio

SMEs – Small and Medium Enterprises

SMO – Special Market Operations

SPMCIL – Security Printing and Minting Corporation of India Ltd.

SPV – Special Purpose Vehicle

SREP – Supervisory Review and Evaluation Process

SRMS – Self Employment Scheme for Rehabilitation of Manual Scavangers

SSS – Securities Settlement System

ST – Scheduled Tribe

StCB – State Co-operative Bank

STCRC – Short-Term Co-operative Rural Credit

STOs – State Treasury Offices

STR – Suspicious Transaction Report

STRIPS – Separate Trading for Registered Interest and Principal of Securities

TAC – Technical Advisory Committee


TAFCUBs – Task Force for Urban Co-operative Banks

TAG – Technical Advisory Group

TALF – Term Asset-Backed Securities Loan Facility

TFC – Twelfth Finance Commission

TFCI – Tourism Finance Corporation of India

TFP – Total Factor Productivity

TFTS – Trade for Trade Settlement

TIN – Tax Information Network

TMSM – Training Methods and Skills for Managers

TMT – Thermo Mechanically Treated

ToRs – Terms of References

TS – Trend Stationary

TUFS – Technology Upgraded Fund Scheme

UBD – Urban Banks Department

UCBs – Urban Cooperative Banks

UCNs – Uniform Code Numbers

UNDP – United Nations Developement Programme

UNICO – Umbrella Organisation for Large Cooperative Banks in Europe

UNDP – United Nations Development Programme

UNIDO – United Nations Industrial Development Organisation

UNME – Urban Non-Manual Employees

UTs – Union Territories

VAR – Vector Autoregression


VaR – Value at Risk

VKGUY – Vishesh Krishi Gram Udyog Yojana

VPN – Virtual Private Network

WADR – Weighted Average Discount Rate

WEO – World Economic Outlook

WMA – Ways and Means Advances

WPI – Wholesale Price Index

WSS – Weekly Statistical Supplement

WTO – World Trade Organisation

XBRL – eXtensible Business Reporting Language

XML – Extensible Markup Language

Y-o-Y – Year-on-Year

ZTC – Zonal Training Centre

Banking question and answers

1. Which of the statements mentioned below is/are correct? 1. T-bills are issued by the Government of India on behalf of the RBI 2. T-bills are short-term money market instruments 3. T-bills cannot be purchased by a resident of India (a) All are correct (b) 2 & 3 are correct (c) Only 2 is correct √ (d) Only 3 is correct 2. Which of the following is an incorrect statement? (a) Reverse Repurchase operation by RBI is aimed at increasing the liquidity in the banking system


(b) Special Drawing Rights (SDR) are issued by IMF (c) Rupee appreciation results in decrease in imports √ (d) Increase in the inflation rate leads to decline in real interest rate 3. What purpose does the MICR number, which is present on a cheque, serve? (a) It is used to identify the genuineness of the cheque √ (b) It is used to identify the bank branch (c) It is nothing but a type of cheque number (d) Both (a) and (b) 4. In TRIPS, what does ‘I’ stand for? (a) Intellectual √ (b) Information (c) Indian (d) Infra 5. Insurance companies use the bank sales channels to sell their products. Which of the following terms describes this selling process? (a) Scheduled banking (b) Scheduled Insurance (c) Bankinsuring (d) Bancassurance √ 6. Which of the following acts is useful in controlling HAWALA transactions? (a) FEMA Act √ (b) RBI Act (c) DICGC Act (d) Banking Regulation Act 7. What does the term SME stand for? (a) Small and Micro Enterprises (b) Small and Medium Enterprises √ (c) State and Medium Economy (d) Small and Medium Economy 8. ‘CAMELS’ is a type of Bank Rating System. In CAMELS, what does ‘C’ stand for? (a) Currency (b) Compensation (c) Capital Adequacy √ (d) Capitalisation 9. A Eurobond is (a) A bond released in a currency of the European countries (b) A bond released in an Indian currency in European nations


(c) A bond released in Euro in our country (d) A bond released in a currency other than the currency of the country in which it is issued √ 10. In banking parlance, ‘NPA’ stands for (a) Non Performing Asset √ (b) Net Producing Asset (c) Net Performing Asset (d) Not Promoting Asset 11. LAF is an indirect instrument of monetary policy, which is used by \RBI to regulate the liquidity in banking system. ‘LAF’ stands for: (a) Liquidity Adjustment Facility √ (b) Liquidity Account Facility (c) Liquidity Allotment Facility (d) Long Adjustment Facility 12. On the basis of which commission was RBI established? (a) Hilton Young Commission √ (b) British Commission (c) Federal Commission (d) Federation Commission 13. Life insurance and general insurance companies like LIC, ICICI Prudential, ICICI Lombard, National Insurance etc. are regulated by which organisation? (a) RBI (b) PFRDA (c) IRDA √ (d) IBA 14. Bank rate is defined as the (a) Rate of interest charged by commercial banks from borrowers (b) Rate of interest at which RBI lends money to banks against government securities (c) Rate of interest allowed by commercial banks on their deposits (d) Rate at which RBI purchases or rediscounts bills of exchange of commercial banks √ 15. An IDR (Indian Depository Receipt) is (a) An instrument of monetary policy used by RBI (b) A deposit account with a depository in India (c) An instrument in the form of depository receipt created by an Indian depository against underlying equity shares of the issuing company √ (d) An instrument in the form of deposit receipt issued by an Indian depository


ICC Award - 2014 In total there are 11 individual awards, as well as the two ICC Teams of the Year – for Tests and ODIs. The full list of winners are: ICC Cricketer of the Year (Sir Garfield Sobers Trophy) – Mitchell Johnson (Australia) ICC Test Cricketer of the Year – Mitchell Johnson (Australia) ICC Women’s ODI Cricketer of the Year – Sarah Taylor (England) ICC ODI Cricketer of the Year – AB de Villiers (South Africa) ICC Emerging Cricketer of the Year – Gary Ballance (England) ICC Associate and Affiliate Cricketer of the Year – Preston Mommsen (Scotland) ICC Twenty20 International Performance of the Year – Aaron Finch (Australia) ICC T20I Women’s Cricketer of the Year – Meg Lanning (Australia) ICC Spirit of Cricket Award – Katherine Brunt (England) ICC Umpire of the Year (winning the David Shepherd Trophy) – Richard Kettleborough LG People’s Choice – Bhuvneshwar Kumar (India) ICC Test Team of the Year is as follows (in batting order): David Warner (Aus) Kane Williamson (NZ) Kumar Sangakkara (SL) AB de Villiers (SA) (wicketkeeper) Joe Root (Eng) Angelo Mathews (SL) (captain) Mitchell Johnson (Aus) Stuart Broad (Eng) Dale Steyn (SA) Rangana Herath (SL) Tim Southee (NZ) Ross Taylor (NZ) (12th man) ICC ODI Team of the Year is as follows (in batting order): Mohammad Hafeez (Pak) Quinton de Kock (SA) Virat Kohli (Ind) George Bailey (Aus) AB de Villiers (SA) MS Dhoni (Ind) (wicketkeeper) (captain) Dwayne Bravo (WI) James Faulkner (Aus) Dale Steyn (SA)


Mohammad Shami (Ind) Ajantha Mendis (SL) Rohit Sharma (Ind) (12th man)

ABBREVIATIONS

• KCC – Kisan Credit Card • KVIC – Khadi and Village Industries Corporation • KYC – Know your customer • LAMPS – Large Sized Adivasi Multipurpose societies • LERMS – Liberalised Exchange Rate Management System • LIC – Life Insurance Corporation of India • MCA – Ministry of Company affairs • MIS – Management Information System • MICR – Magnetic Ink Character Recognition • NABARD – National Bank for Agriculture and Rural Development • NBFC – Non Banking Finance Companies • NEFT – National Electronic Funds Transfer • NPA – Non Performing assets • NRE – Non Resident External account • NRI – Non Resident Indian • NSE – National Stock Exchange • OLTAS – Online tax accounting system • OMO – Open market operations • PACS – Primary Agricultural Credit Societies • PDO – Public Debt Office • PIN – Personal Identification Number • QIB – Qualified Institutional Buyers • RBI – Reserve Bank of India • RDBMS – Relational Database Management System • REC – Rural ElectrificationCorporation • RFC – Resident Foreign Currency • RIDF – Rural Infrastructure Development Fund • RRB – Regional Rural Bank • RTGS – Real Time Gross Settlement • RWA – Risk Weighted Assets • SBI – State Bank of India • SCB – Scheduled Commercial Bank • SDR – Special Drawing Rights • SEBI – Securities and Exchange Board of India • SFMS - Structured Financial Messaging Services


• SHG – Self Help Group • SIDBI – Small Industries Development Bank of India • SIDC – State Industrial Development Corporation • SJSRY –Swarna Jayanthi Shahari Rozgar Yojana • SLR – Statutory Liquidity Ratio • SLRS – Scheme for Liberation and Rehabilitation of Scavangers • SMERA – SME rating agency of India Limited • SSI – Small Scale Industries • SME – Small and Medium Industries • SSSBE – Small Scale Service and Business Enterprises • UTI – Unit Trust of India • WPI – Wholesale Price Index • YTM – Yield to maturity • LAB – Local Area Banks • ALM – Asset Liability Management • ANBC – Adjusted Net Bank Credit • ASBA – Applications supported Bank accounts • BOE – Bill of Exchange • CASA – Current and savings accounts • CBLO – Collateralised Bank Lending Obligations • CIBIL – Credit Information Bureau of India Limited • DPG – Deferred Payment Guarantee • DPN – Demand Promissory Note • DRAT – Debt Recovery Appellate tribunal • DRI – Differential Rate of Interest • DSCR – Debt Service Coverage Ratio • EDI – Electronic Data Interchange • EMI – Equated Monthly Instalments • EPS – Earnings Per Share • ESOP – Employee Stock Options • FEDAI – Foreign Exchange Dealers Association of India • FFMC – Full Fledged Money Changers • FOB – Free on Board • LIBOR – London Inter Bank Operations Rate • MIBOR – Mumbai Inter Bank Operations Rate • MOU – Memorandum of Understanding • MCA – Ministry of Company Affairs • NPV – Net Present Value • OCB – Overseas Corporate Bodies • POA – Power of Attorney • RKBY – Rashtriya Krishi Bima Yojana • SEBI – Securities and Exchange Board of India • LAF – Liquidity Adjustment Facility • IDBI – Industrial Development Bank of India


• BCSBI – Banking Codes and Standards Board of India • IRDA – Insurance Regulatory Development Authority • DICGC – Deposit Insurance and Credit Guarantee Corporation • SPV – Special Purpose Vehicle • CRISIL – Credit Rating Information Services of India Limited • ICRA – Investment Information and Credit Rating Agency of India Limited • CARE – Credit Analysis and Research Limited • MCX – Multi Commodity Exchange • CCIL – Clearing Corporation of India Limited • OTCEI – Over the Counter Exchange of India • EFT – Electronic Funds Transfer • ARF – Asset Reconstruction Fund • MSS – Market Stabilisation Scheme • CRAR – Capital to Risk Assets Ratio • FSDC – Financial Stability and Development Council • SCARDB – State Cooperative Agriculture and Rural Development Banks • LERMS – Liberalised Exchange Rate Management System • BOT – Balance of Trade • CAC – Capital account convertibility

[1] Which city recorded the largest number of internet users in India in 2014? Ans – Mumbai [2] Who became the first listed Indian company among the 30 SENSEX firms to have more than 75 percent shareholding by FIIs? Ans – The mortgage financier HDFC [3] Who won second term as South Carolina Governor? Ans – Indian-American Nikki Haley [4] Who was appointed as first woman chief of CERN particle physics research centre? Ans – The Italian physicist Fabiola Gianotti *5+ Who won LG People’s Choice Award 2014? Ans – Cricketer Bhuvneshwar Kumar [6] Who was named as the as best-performing CEO in the world by Harvard Business Review (HBR)? Ans – CEO of Amazon Jeff Bezos *7+ Who was honoured Czech Republic’s Order of the White Lion? Ans – Sir Nicholas Winton [8] Who announced to invest 627 million US dollar in Snapdeal? Ans – Japanese telecom giant Softbank [9] When was World Polio Day observed across the world? Ans – 24 october [10] Who was elected Vice-President (VP) of Asia Pacific Broadcasting Union (ABU) in Macau?


Ans – Prasar Bharati CEO Jawhar Sircar

HOST CITY :- Glasgow, Scotland MOTTO :- People, Place, Passion MASCOT :- Clyde NATIONS PARTICIPATING :- 71 Commonwealth Teams EVENTS :- 261 in 18 sports OFFICIALLY OPENED BY :- Elizabeth II

TOP 5 COUNTRIES IN MEDAL TABLES :- RANK COUNTRY GOLD SILVER BRONZE TOTAL 1 England 58 59 57 174 2 Australia 49 42 46 137 3 Canada 32 16 34 82 4 Scotland 19 15 19 53 5 India 15 30 19 64

INTERSTING FACTS:- 1. Vijay Kumar is the flag bearer for Indian contingent at the opening ceremony of the Commonwealth Games 2. Sanjita Chanu wins India’s first Gold medal at 2014 Commonwealth Games. 3. Vikas Gowda became India's only second male athlete to win a gold at the Commonwealth Games after the legendary Milkha Singh won the 440 yard gold way back in 1958 at Cardiff. 4. Parupalli Kashyap became the first Indian man in 32 years to win badminton gold at the Games. 5. Dipa Karmakar scripts history, wins first gymnastic medal for India at Commonwealth Games. She bagged a bronze in the vault event. 6. Pinki Rani bags first medal in Boxing. She won bronze medal. 7. England finished top of the medal table at Commonwealth Games for the first time in 28 years. 8. The first Commonwealth Games was hosted by Hamilton, Canada, in 1930 and known as the British Empire Games. 9. The 21st Commonwealth Games will be held in Gold Coast in Australia in 2018. 10. Australia has hosted the Commonwealth Games on a record four occasions, and will make it five when Gold Coast hosts the event in 2018


INDIA AT THE COMMONWEALTH GAMES 2014 :- * Competitors :- 215 in 14 sports * Flag bearer (Opening) :- Vijay Kumar * Flag bearer (Closing) :- Seema Punia ** Weightlifters Sukhen, Sanjita won first Gold medal for India in CWG-2014 ** Vikas Gowda won a gold in the Men's Discus throw event, thus winning the first gold medal for India in men's athletics in 56 years. ** Kashyap Parupalli won a gold in Badminton Men's Singles, becoming the first Indian male shuttler in 32 years to win a gold medal in the singles event at the Commonwealth Games.

GOLD MEDALISTS FOR INDIA :- * Yogeshwar Dutt: Men's wrestling, 65 kg freestyle * Babita Kumari: Women's wrestling, 55 kg freestyle * Vikas Gowda: Men's discus throw * Sushil Kumar: Men's wrestling, 75kg * Amit Kumar: Men's wrestling, 57kg * Vinesh Phogat: Women's wrestling, 48kg * Jitu Rai: Men's shooting, 50 m Pistol. * Satish Sivalingam: Men's weightlifting, 77 kg * Apurvi Chandela: Women's shooting, 10 m Air Rifle * Rahi Sarnobat: Women's shooting, 25 m Pistol. * Abhinav Bindra: Men's 10m Air Rifle * K Sanjita Chanu: Women's weightlifting 48 kg. * Sukhen Dey: Men's weightlifting 56 kg category * Dipika Pallikal and Joshana Chinappa: Women's squash * Parupalli Kashyap: Men's Badminton

INDIAN MEDAL WINNERS Following is the final list of Indian medal winners at the 2014 Commonwealth Games Gold -> 1. Sanjita Khumukchan : women's 48 kg weightlifting 2. Sukhen Dey: men's 56 kg weightlifting 3. Abhinav Bindra: men's 10 metre air rifle shooting 4. Apurvi Chandela: women's 10 metre air rifle shooting 5. Rahi Sarnobat: women's 25 metre pistol shooting 6. Satish Sivalingam: men's 77 kg weightlifting 7. Jitu Rai: men's 50 metre pistol shooting 8. Amit Kumar: men's freestyle 57 kg wrestling 9. Vinesh Phogat: women's freestyle 48 kg wrestling 10. Sushil Kumar: men's freestyle 74 kg wrestling 11. Babita Kumari: women's freestyle 55 kg wrestling 12. Yogeshwar Dutt: men's freestyle 65 kg wrestling 13. Vikas Gowda: men's discus throw athletics


14. Dipika Pallikal and Joshana Chinappa: women's doubles squash 15. Parupalli Kashyap: men's singles badminton

SOME MARKETING CONCEPTS

Q. Differentiate NEEDS and WANTS? Ans. NEEDS: A necessity for living. WANTS: Products that are not necessities, but are simply desired by the consumer.

Q. What is a Market? Ans. The group of potential buyers.

Q. What is the Goal of marketing? Ans. The goal of marketing is to attract new customers and create a lasting relationship through customer satisfaction.

Q. Differentiate CONSUMER and CUSTOMER? Ans. CONSUMER: The person who uses the product. CUSTOMER: The person who purchases the product. In many cases, the customer is also the consumer.

Q. What are GOODS and SERVICES ? Ans. GOODS: Products which are tangible items that satisfy customer’s needs and wants. SERVICES: Products which are intangible items that satisfy customer’s needs and wants.

Q. What is “MARKETING MIX”? Ans. A combination of decisions a business makes in order to best reach its target market. The MARKETING MIX is also referred to as the “Four Ps”, Price, Place, Product, Promotion.

Q. what is “AIDA” ? Ans. Attention, Interest, Desire, Action: a model describing the stages that promotion can take a target audience through: is often used to set promotional objectives.

Q. What do you mean by “Production Concept”? Ans. It is a Marketing concept which holds that consumers will prefer products that are widely available and inexpensive. consumers are primarily interested in product availability and low prices. It is the oldest of the concepts in business.This orientation makes sense majorly in developing countries.

Q. What do you mean by “Product Concept”? Ans. In this the consumers will favor those products that offer the most quality, performance, or innovative features.consumers unlike Production


Concept admire well-made products and can appraise quality and performance.This orientation makes sense majorly in developed countries.

Q. Differentiate “Sales” and “Marketing” Concepts ? Ans. Sales Concept: It focuses on the needs of the seller. It is preoccupied with the seller’s need to convert his/her product into cash.In this aim is to sell what they make rather than make what the market wants.

Marketing Concept: Marketing Concept focuses on the needs of the buyer.It is preoccupied with the idea of satisfying the needs of the customer by means of the product as a solution to the customer’s problem (needs).

Q. What are the Four Pillars of Marketing? Ans.1. Target market. 2. Customer needs. 3. Integrated marketing 4. profitability.

Q. what is Holistic Marketing? Ans. The holistic marketing concept is a relatively new marketing perspective that takes into account the entire organization in addition to its counterparts when determining or executing its overall marketing strategy. Holistic marketing recognizes that there are many stakeholders involved in each transaction—from suppliers, to employees, customers, shareholders, the community at large, and the environment. In order for a company to achieve success in today’s business landscape, it must take into consideration the complexities of its breadth and inter dependencies because businesses no longer exist in a vacuum but within a multi-dimensional, global,interconnected landscape.It has Four main components : relationship marketing , integrated marketing ,internal marketing and socially responsible marketing.

Current Affairs 1. Nepal, India agree to form task force to install petro pipeline 2. India, Israel joint venture LR-SAM missile successfully tested 3. Punjab to implement Urban Health Mission (UHM) for urban poor 4. PM Modi launches digital life certificate 'Jeevan Pramaan' for pensioners


5. China plans to launch about 120 applied satellites 6. Microsoft to use 'white space' tech for free internet in India 7. Six out of 10 Indian men admit violence against wives: UN study 8. Toshiba to invest USD 30 million to expand power biz in India 9. Uttarakhand launches mid-day meal scheme for elderly women 10. Nico Rosberg wins Brazilian Grand Prix 2014

Trick- MBBS PINA - Headquarters - Kathmandu > Member Country - Capital 1. Afghanistan--Kabul 2. Bangladesh---Dhaka 3. Bhutan---Thimphu 4. India---New Delhi 5. Maldives---Male 6. Nepal---Kathmandu 7. Pakistan---Islamabad 8. Sri Lanka--- Jaywardhane Puram

- Headquarters - Jakarta > Member Country - Capital 1. Brunei Darussalam---Bandar Seri Begawan 2. Cambodia--Phnom Penh 3. Indonesia---Jakarta 4. Laos PDR---Vientiane 5. Malayasia---Kuala Lumpur 6. Myanmar---Naypyitaw 7. Phillipines---Manila 8. Singapore---Singapore 9. Thailand---Bangkok 10. Vietnam--Hanoi

- Headquarters - Vienna


> Member Country - Capital 1. Algeria---Algiers 2. Angola---Luanda 3. Ecuador---Quito 4. Iran---Teheran 5. Iraq---Baghdad 6. Kuwait---Kuwait City 7. Libya---Tripoli 8. Nigeria---Abuja 9. Qatar---Doha 10. Saudi Arabia---Riyadh 11. U.A.E--- Abu Dhabi 12. Venezuala---Caracas

1. Who is appointed as new chairman of Prasar Bharti? Ans- Surya Prakash 2. Which one of the following named as Most valuable player in Asian Games? Ans-Mary Kom 3. Who is appointed as new Chief Economic Advisior? Ans- Arvind Subramanium 4. Which Best Bank Award for Business Intelligence Initiatives among small banks? Ans-Karur Vysya Bank 5. International Day for the Eradication of Poverty was observed on..........? Ans- 17 October 2014 6. Which Bollywood actor appointed as UNICEF goodwill Ambassador for South Asia? Ans-Amir Khan


7. Who has won Man Booker Prize 2014? Ans- Richard Flanagan (Australia)- Noble(The Narrow Road to the Deep North) 8. According to Sixth economic census, which state has highest number of Hired workers? Ans- Arunachal Pradesh 9. Which Bank launched Facebook based money transfer platform kaypay? Ans- Kotak Mahindra Bank 10. Global Hunger Index (GHI) 2014 report released, What is India's Position in it? Ans- 55 (out of 120 countries) 11. Who has won the 2014 economics Nobel Prize ? Ans- French economist Jean Tirole 12. Which International Organisation Launches Global Infrastructure Fund to cater the needs of emerging economies and developing Countrie? Ans World Bank 13. Who won Best Central Bank Governor Award by euromoney? Ans- Raghuram Rajan 14. Who has been honoured with National Kishore Kumar Award for 2012-13? Ans-Sameer 15. New Chief Minister of Maharashtra? Ans- Devendra fadnavis


6. 10th Edition of World Islamic Economic Forum held at- ? Ans- Dubai 17. Who has appointed as New Product Chief of Google? Ans- Sundar Pichai 18. Who has been re-elected as Brazil Prime Minister? Ans- Dilma Rousseff 19. Who won the prestigious Sakharov human rights prize 2014 ? Ans- gynaecologist Denis Mukwege Mukengere 20. Who creates record of maximum victory margin in Lok Sabha elections ? Ans- Pritam Munde (Gopinath Munde’s second daughter) 21. India was re-elected to which council of UN? Ans- United Nations Human Rights Council (UNHRC) for the period of 2015 to 2017 22. Who is Appointed as Prime Minister of Yemen? Ans- Khaled Bahah 23. Who has won legislative assembly elections for the 11th time to become longest serving MLA in India? Ans- Ganpatrao Deshmukh 24. Organisation headed by Nobel Peace Prize winner Kailash Satyarthi is.....? Ans- Bachpan Bachao Andolan 25. Who got Noble Prize for Peace?


Ans- Kailash Satyarthi(India) and Malala Yousafzai(Pakistan) 26. Who won Noble Prize for Literature? Ans- French writer Patrick Modiano 27. Who won Noble Prize for chemistry? Ans- Americans Eric Betzig and William Moerner and German scientist Stefan Hell for "the development of super-resolved fluorescence microscopy." 28. Who won Noble Prize for Physics? Ans- Japanese scientists Isamu Akasaki and Hiroshi Amano and American Shuji Nakamura won the 2014 Nobel prize for Physics for inventing a new energy efficient and environmentally friendly light source, the LED.

29. Who won Noble prize for Medicine? Ans- John O Keefe, May‐Britt Moser and Edvard I Moser for their discoveries of cells that constitute a positioning system in the brain. 30. What is India's Rank in most desirable place to work? Ans- 18th (US tops the list)


1. RBI relaxes KYC norms for opening bank accounts. i. RBI has asked banks to allow self-certified copy of the document by mail, or post for opening an account. ii. Banks have also been asked not to seek fresh documents, if a KYC compliant customer desires to open another account in the bank. iii. If the customers are unable to fulfill within a reasonable period of time, partial freezing may be introduced for KYC noncompliant customers. This means that only credits would be allowed in such accounts, but debits would not be allowed. The account holder would have the option to close the account and take back the money in the account. About KYC – Know Your Customer is a term used for Customer Identification Process. Objective: is to prevent banks being used, intentionally or unintentionally by criminal elements for money laundering. KYC has two components – Identify and Address. 2. RBI proposed to separate Chairman and Managing Director (CMD) post of PSU banks Note: i. The Reserve Bank of India (RBI) proposed to separate the post of Chairman and Managing Director (CMD) of Public Sector Undertaking (PSU) banks. ii. These proposals are a part of corporate governance reforms in PSU banks and are based on the recommendations of various committees including the PJ Nayak Committee. 3. The Reserve Bank of India decided to fix the maximum age for Managing Directors and Chief Executive Officers in private sector banks at 70. Note: The RBI Move aligns retirement with the Companies Act 2013 ii. Minimum age to become Manager is 21 years. iii. Maximum age for CEOs, whole-time directors is 70. iv.The P J Nayak committee recommended a maximum age of 65 for private bank CEOs. iii. The issue emerged when the board of Induslnd Bank cleared the extension of tenure of Romesh Sobti by another three years. Romesh Sobti is M.D. and CEO of Induslnd Bank. iv. However, the RBI allowed only a year's extension. The move triggered speculation that the RBI wanted to fix the retirement age at 65. 4. RBI board approves essential changes, introduces COO post as proposed by Raghuram Rajan: Note: i. RBI governor create the post of Chief Operating Officer (COO), an executive who’s likely to be made responsible for executing the RBI’s reform agenda. ii. Rajan proposed to bring all aspects of RBI under 5 functional


departments to be supervised by 4 Deputy Governors and a COO. iii. The position of COO is likely to be at the deputy governor level. iv. Nachiket Mor is seen as the most likely candidate for the post of COO. Mor is a former executive director of ICICI Bank and also chaired the RBI panel on financial inclusion. 5. CAD narrowed down to 1.7 per cent of GDP in Q1 of 2014- 15: RBI Note: Current Account Deficit (CAD) of India narrowed down sharply to 1.7 percent of Gross Domestic Product (GDP) in the Quarter 1 (Q1) of the fiscal year 2014-15 as compared to 4.8 percent in the Q1 of 2013-14. 6. RBI issues amendments to Basel 3 norms: Unveiling a slew of amendments in the implementation of the Basel 3 regulations, the RBI said that banks must have a provision of Point of Non-Viability (PONV) for every non-equity instrument which, when triggered, would lead to a conversion to common shares (of the bank) or a permanent write-off. iii. The regulator has reduced the minimum tenor after which call options are permissible in perpetual debt instruments from 10 to 5 years. iv. The minimum maturity of Tier 2 debt instruments has also been reduced from 10 to 5 years. Basel-III Norms: According to Basel Committee on Banking Supervision "Basel III is a comprehensive set of reform measures, developed by the Basel Committee on Banking Supervision, to strengthen the regulation, supervision and risk management of the banking sector". Note: Basel III raises the minimum required capital levels for both Tier 1 capital to 7.0 percent and Common Equity Tier 1 (CET1) capital to 5.5 percent. 7. Reserve Bank of India reduced free usage of other bank automated teller machines (ATMs) to 3 per month from 5: Frequent withdrawal of money from ATMs will become expensive from November, with the RBI imposing a limit of 3 transactions per month from ATMs of other banks and 5 from the same bank in six metropolitan cities. Note: A customer will be required to pay a fee of up to Rs 20 for using Automated Teller Machines (ATMs) beyond the permitted numbers of transactions in Delhi, Mumbai, Chennai, Bangalore, Kolkata and Hyderabad. 8. RBI issued two new categories of banks—Small and Payments which can improve financial inclusion.


Important Points: i. The idea of small and payments banks was first proposed by the Nachiket Mor committee on financial inclusion. ii. The minimum paid-up capital requirement of both small banks and payments banks is Rs. 100 crore. iii. The payments bank will have to invest in government securities with a maturity of up to one year. iv. Small banks will offer both deposits as well as loan products. ii. Payments banks will be used only for transaction and deposits purposes. Unlike small banks, payments banks can’t lend money to people. iii. Payments Banks cannot set up subsidiaries to undertake NBFC business. iv. Hence, payments banks will offer only a limited range of products such as acceptance of demand deposits and remittance of funds. v. Those eligible to set up a small bank include resident individuals with 10 years of experience in banking and finance, companies and societies, NBFCs, microfinance institutions and local area banks. v. Of the minimum capital, the guidelines said, the promoters' initial minimum contribution will be at least 40 per cent, to be locked in for a period of 5 years. 9. RBI issues guidelines for NBFCs on lending against shares. Note: According to the guidelines applicable to NBFCs with asset size of Rs. 100 crore and above, the NBFCs have to maintain a loan-to-value (of shares pledged) of 50 per cent and accept only Group 1 securities as collateral for loans of a value more than Rs. 5 lakh. 10. RBI notified the increase in deposit money under Public Provident Fund, PPF to 1.5 lakh rupees from 1 lakh rupees. 11. The Reserve Bank of India (RBI) issued draft guidelines for implementation of Bharat Bill Payment System (BPPS), an 'anytime anywhere' bill payment system: The G. Padmanabhan Committee was formed by RBI to study the Feasibility of Implementation of GIRO-based Payment Systems anticipated that around 30800 million bills amounting to more than 600000 crore rupees are paid each year in 20 Indian cities. Note: i. Bharat Bill Payment System is intended for the implementation of a unified bill payment system across the country. This integrated bill payment system will comprise of two entities: i. Entity operating at Bharat Bill Payment System (BBPS) will be setting up the standards related to payments, clearance and


settlement process ii. Second entity would be Bharat Bill Payment Operating Units (BBPOUs). It will be carrying out the operations in adherence to the standards fixed by BBPS. iii. Authorised entities such as agents, banks, service providers, payment gateways would be the participants at the Bharat Bill Payment System. 12. RBI tightened the Norms for asset reconstruction companies (ARC) to improve discipline and bring about transparency in the sale and purchase of bad loans. Note: Now, asset reconstruction companies (ARCs) will have to pay upfront 15 per cent of the bid value of nonperforming loans, against five per cent earlier. ii. RBI said ARCs would get up to six months to plan recoveries from the non-performing assets acquired. Currently, ARCs get about a year for this. 13. The Reserve Bank of India has inked a memorandum of understanding (MoU) with the Monetary Authority of Hong Kong for exchange of supervisory information. 14. RBI permits NBFCs to work as Business Correspondents of banks: With a view to achieve financial inclusion, the Reserve Bank of India has allowed Non-Banking Finance Companies to operate as Business Correspondents (BCs) of banks, permitting them to offer limited services. Banks will be allowed to work with non-deposit taking NBFCs as BCs. Note: The RBI took into account recommendations of Nachiket Mor Committee while reviewing the existing guidelines on the appointment of BCs 15. The Reserve Bank of India said banks should make all new ATMs installed from July 1, 2014 as “talking ATMs” with Braille keypads. 16. Raghuram Rajan, the Governor of the Reserve Bank of India (RBI) announced that plastic currency notes will be launched in 2015 after field trials. 17. RBI panel headed by ex-Chairman of Axis Bank, P. J. Nayak recommend for diluting govt stake in public sector banks to below 50 %. The government should cut its holding in public sector banks to under 50 per cent. 18. Reserve Bank of India granted banking licences to infrastructure financing firm IDFC and microfinance institution Bandhan Note: The in-principle approval will be valid for a period of 18 months during which the applicants have to comply with the requirements under the guidelines and fulfil the other conditions as may be stipulated by the RBI.


Chandra Shekhar Ghosh: CMD of Bandhan financial services Dr. Rajiv B. Lall: Chairman of IDFC – Infrastructure Finance Company. 19. Reserve Bank of India (RBI) issued the guidelines to allow the minors of age above 10 years to independently open and operate savings bank accounts and use other facilities like ATM and cheque books. 20. RBI extended the timeline for full implementation of Basel III norms 31 March 2019 instead of 31 March 2018. 21. RBI extends date of exchanging pre-2005 notes to Jan 1, 2015

_The Important fact of solar systum_

सबस बडा गरह -----------------------

.

Biggest planetबहसऩति (Jupiter)

सबस छोटा गरह ------------------------

Smallest planet बध (Mercury)

ऩथवी का उऩगरह -----------------------

Earth's satellite -चदरमा (Moon)

सयय स सबस तनकट गरह ----------------

The closest planet to the Sun

-बध (Mercury)

सयय स सबस दर ससिि गरह ------------

The farthest to the sun-

वरण (Neptune)

ऩथवी क सबस तनकट गरह ----------------

The closest planet to the earth-

शकर (Venus)

सबस अधधक चमकीऱा गरह ---------------


The Brightest Planet -शकर (Venus)

सबस अधधक चमकीऱा िारा ---------------- The Brightest Star-साइरस (Dog Star)

सबस अधधक उऩगरहो वाऱा गरह -----------

The most satellites planet-बहसऩति

(Jupiter) व शतन

सबस अधधक ठणडा गरह ----------------

The coolest planet-वरण (Neptune)

सबस अधधक भारी गरह -------------------

The Heaviest Planet-बहसऩति (Jupiter)

रातरी म ऱाऱ ददखाई दन वाऱा गरह ----------

In the night is red planet about

to see-मॊगऱ (Mars)

सौरमॊडऱ म सबस बडा उऩगरह -----------

the largest satellite in the solar

system गनीमड- Gannymede(moon)

सौरमॊडऱ म सबस छोटा उऩगरह --------

the smallest satellite in the solar

system -डीमोस Deimos (moon)

नीऱा गरह ---------------------------

The Blue Planet-ऩथवी (Earth)

भोर का िारा ------------------------- Daybreak's star-शकर (Venus)

साॉझ का िारा ------------------------


Twilight's star-शकर (Venus)

ऩथवी की बहन --------------------------

Earth's sister-शकर (Venus)

सौनदयय का दविा ---------------------- aesthetic's Deity-शकर (Venus)

हरा गरह------------------------------

Green planet-वरण (Neptune)

√ Competition Exam's Preparation

Remember the Order of the Planets

in Our Solar System

Trick -

My Very Educated Mother Just Saved Us Nine pizzas

M = Mercury

V = Venus

E = Earth

M = Mars

J = Jupiter

S = Saturn

U = Uranus

N = Neptune

P = Pluto (no longer considered a

planet)

Award information 1. Borlaug Award is given in the area. - Agriculture 2. The diameter of the area concerned is respected. - Literature Area 3. In which areas is the Nobel Prize. - Medicine, literature, peace, chemistry, physics (1901) and economics (1969) 4. Who Nobel Prize is given in memory. - Scientific Alfred Bernhard Nobel 5. Antrrrashtryy most prestigious awards in the film industry which is to be given.


- Oscar 6. What in the World is a prize in journalism. - Pulitzer 7. Which is the India’s largest national award. - Bharat Ratna 8. What is Asia’s Nobel Prize. - Ramon Magsaysay Award 9. given to soldiers for bravery in India Which Svochy award. - PVC 10. When Gandhi Peace Prize was launched internationally. - In 1995 11. When Kalinga Prize was launched in the country. - In 1952 12. Which area is concerned Grammy Awards. - Music Zone 13. What is the K-Akbar? - Janul Abedin 14. Which classical dance is concerned Yamini Krishnamurthy. - Bharata Natyam 15. Hema Malini, Sridevi Which classical dance is concerned. - Mohini 16. Which classical dance is concerned Lachchu chef. - Kathak 17. Goa Day is celebrated. - December 19 18. Gujarat and Maharashtra Day is celebrated. - A May 19. Who is the Chief of Navy. - Admiral 20. Who is the head of the Army. - General.

MICROSOFT EXCEL SHORTCUT KEY

1. F2 Edit the selected cell 2. F3 After a name has been created F3 will paste names 3. F5 Go to a specific cell. For example, C6 4. F7 Spell check selected text or document 5. F11 Create chart from selected data 6. Ctrl + Shift + ; Enter the current time 7. Ctrl + ; Enter the current date


8. Alt + Shift + F1 Insert new worksheet 9. Shift + F3 Open the Excel formula window 10. Shift + F5 Bring up search box 11. Ctrl + A Select all contents of the worksheet 12. Ctrl + B Bold highlighted section 13. Ctrl + I Italic highlighted section 14. Ctrl + K Insert link 15. Ctrl + U Underline highlighted section 16. Ctrl + 1 Change the format of selected cells 17. Ctrl + 5 Strike through highlighted section 18. Ctrl + P Bring up the print dialogue box to begin printing 19. Ctrl + Z Undo last action 20. Ctrl + F3 Open Excel Name Manager 21. Ctrl + F9 Minimize current window 22. Ctrl + F10 Maximize currently selected window 23. Ctrl + F6 Switch between open work books or windows 24. Ctrl + Page up Move between Excel work sheets in the same Excel document 25. Ctrl + page down Move between Excel worksheets in the same Excel document 26. Ctrl + Tab Move between two or more open Excel document 27. Alt + = Create a formula to sum all of the above cells 28. Ctrl + ’ Insert the value of the above cell into cell currently selected 29. Ctrl + Shift + ! Format number in comma format 30. Ctrl + Shift + $ Format number in currency format 31. Ctrl + Shift + # Format number in date format 32. Ctrl + Shift + % Format number in percentage format 33. Ctrl + Shift + ^ Format number in scientific format 34. Ctrl + Shift + @ Format number in time format 35. Ctrl + Arrow key Move to the next selection on text 36. Ctrl + Space Select entire column 37. Shift + Space Select entire row 38. Ctrl + - Delete the selected column or row 39. Ctrl + shift + = Insert a new column or row 40. Ctrl + Home Move to cell A1 41. Ctrl + ~ Switch between showing Excel formulas or their values in cells


1. Google— Larry Page & Sergey Brin 2. Facebook— Mark Zuckerberg 3. Yahoo— David Filo & Jerry Yang 4. Twitter— Jack Dorsey & Dick Costolo 5. Internet— Tim Berners Lee 6. Linkdin— Reid Hoffman, Allen Blue& Koonstantin Guericke 7. Email— Shiva Ayyadurai 8. Gtalk— Richard Wah kan 9. Whatsup— Brian Acton and Jan Koum 10. Hotmail— Sabeer Bhatia 11. Orkut— Buyukkokten 12. Wikipedia— Jimmy Wales 13. You tube— Steve Chen, Chad Hurley & JawedKarim 14. Rediffmail— Ajit Balakrishnan 15. Nimbuzz— Martin Smink & Evert Jaap Lugt 16. Myspace— Chris Dewolfe & Tom Anderson 17. Ibibo— Ashish Kashyap 18. OLX— Alec Oxenford & Fabrice Grinda 19. Skype— Niklas Zennstrom,JanusFriis & Reid Hoffman 20. Opera— Jon Stephenson von Tetzchner & Geir lvarsoy 21. Mozilla Firefox— Dave Hyatt & Blake Ross 22. Blogger— Evan Willams *****************************************


1. THE FIRST BANK IN INDIA TO BE GIVEN AS ISO CERTIFACTION IS – CANARA BANK. 2. THE GENERAL BANK OF INDIA WAS SET UP IN 1786. 3. THE FIRST INDIAN BANK TO HAVE BEEN STARTED SOLELY WITH INDIAN CAPITAL IS – PUNJAB NATIONAL BANK. 4. THE EAST INDIA COMPANY ESTABLISHED BANK OF BENGAL IN 1809. 5. BANK OF BOMBAY WAS ESTABLISHED IN 1840. 6. THE FIRST BANK IN NORTHERN INDIA TO GET ISO 9002 CERTIFICATION FOR THEIR SELECTED BRANCHES IS PUNJAB NATIONAL BANK. 7. BANK OF MADRAS WAS ESTABLISHED IN 1843. 8. IN 1865 ALLAHABAD BANK WAS ESTABLISHED EXCLUSIVELY BY INDIANS. 9. THE HEADQUARTERS OF PUNJAB NATIONAL BANK ESTABLISHED IN 1894 WAS AT LAHORE. 10. INDIA’S SECOND LARGEST PRIVATE SECTOR BANK AND IS NOW THE LARGEST SCHEDULED COMMERCIAL BANK OF INDIA IS THE FEDERAL BANK LIMITED. 11. IMPERIAL BANK OF INDIA STARTED AS PRIVATE SHARE HOLDERS BANK, MOSTLY EUROPEANS. 12. THE BANKING COMPANY ACT, 1949 WHICH WAS LATER CHANGED TO BANKING REGULATION ACT 1949 AS PER AMENDING ACT OF 1965. 13. IN 1955 THE GOVERNMENT NATIONALISED IMPERIAL BANK OF INDIA WITH EXTENSIVE BANKING FACILITIES ON A LARGE SCALE SPECIALLY IN RURAL AND SEMI-URBAN AREAS. 14. BANKING REGULATION ACT WERE ENACTED IN 1949. 15. THE SUBSIDIAREIS OF SBI WAS NATIONLISED IN 1959. 16. BANK OF INDIA WAS FOUNDED IN 1906 IN MUMBAI. 17. BANK OF INDIA IS THE FIRST INDIAN BANK TO OPEN A BRANCH OUTSIDE INDIA IN LONDON IN 1946 AND THE FIRST TO OPEN A BRANCH IN CONTINENTAL EUROPE AT PARIS IN 1974. 18. THE OLDEST PUBLIC SECTOR BANK IN INDIA HAVING BRANCHES ALL OVER INDIA AND SERVING THE CUSTOMERS FOR THE LAST 132 YEARS IS ALLHABAD BANK. 19. THE FIRST INDIAN COMMERCIAL BANK WHICH WAS WHOLLY OWNED AND MANAGED BY INDIANS IS CENTRAL BANK OF INDIA. 20. THE STATE BANK OF INDIA SERVES MORE 100 MILLION CUSTOMERS THROUGH A VETWORK OF MORE THAN 10000 BRANCHES.


21. AS ON 30THE JUNE 1999, 300 SCHDULED BANKS WERE THERE IN INDIA HAVING TOTAL NETWORK OF 64918 BRANCHES. 22. SECTION 45 OF THE RBI ACT OF 1934, IT IS OBLIGATORY ON THE PART OF THE RBI TO APPOINT THE SBI AS ITS SOLE AGENT AT ALL PLACES WHERE THE BANK HAS NO BRANCH OR OFFICE OF ITS BANKING DEPARTMENT BUT WHERE THERE IS A BRANCH OF THE STATE BANK OR ITS SUBSIDARY BANK. 23. IN 1950 THE CONCEPT OF CREDIT CARDS WAS USED WITH THE LAUNCH OF CHARGE CARDS IN USA BY DINERS CLUB AND AMERICAN EXPRESS. 24. GOLD COIN AND BILLIONS , FOREIGN SECURITIES AND THE BILL OF EXCHANGE AND PROMISSORY NOTES PAYABLE IN INDIA WHICH ARE ELIGIBLE FOR PURCHASE BY BANK ARE THE ASSETS AGAINST WHICH RBI ISSUE BANK NOTES. 25. THE RESERVE BANK OF INDIA IS AUTHORISED TO MAKE TO THE CENTRAL AND STATE GOVERNMENTS WAYS AND MEANS ADVANCES WHICH ARE REPAYBLE WITHIN 3 MONTHS FROM THE DATE OF MAKING OF ADVANCES. 26. THE FIRST CREDIT CARD WAS ISSUED IN INDIA BY VISA IN 1981. 27. THE COUNTRY’S FIRST GOLD CARD WAS ISSUED FROM VISA IN 1986. 28. THE NUMBER OF DAYS GIVEN TO YOU ON YOUR CARD BEFORE THE CARD ISSUER STARTS CHARGING YOU INTEREST IS CALLED GRACE PERIOD. 29. IN PERSONAL LOAN ONE CAN GET A SANCTIONED LOAN AMOUNT BETWEEN RS. 25000 TO 1000000. 30. CAR LOAN OR AUTO LOAN ARE SANCTIONED TO THE EXTENT OF 85 % UPON THE EX-SHOWROOM PRICE OF THE CAR. 31. FROM 2003 TO 2004 THE INTERNATIONAL MONEY TRANSFER MARKET GRW AT THE RATE OF 9.3%. 32. A SCHEDULED BANK MUST HAVE A PAID UP CAPITAL AND RESERVE OF AN AGGREGATE VALUE OF NOT LESS THAN RS. 5 LAKH. 33. BANKING REGULATION ACT 1949, REQUIRES EVERY BANKING COMPANY TO MAINTAIN IN INDIA IN CASH, GOLD OR UNENCUMBERED APPROVED SECURITIES, AN AMOUNT WHICH SHALL NOT, AT THE CLOSE BUSINESS ON ANY DAY,BE LESS THAN 25 PERCENT OF ITS NET DEMAND AND TIME LIABILITIES IN INDIA. THIS IS CALLED STATUTORY LIQUIDITY RATIO. 34. THE FIRST PRIVATE BANK IN INDIA TO RECEIVE AN IN PRINCIPLE APPROVAL FROM THE RESERVE BANK OF INDIA WAS HOUSING DEVELOPING FINANCE CORPORATION LIMITED. 35. HDFC BANK LIMITED COMMENCED OPERATIONS AS SCHEDULED COMMERCIAL BANK IN JANUARY 1995 36. ING VYSYA WAS INCORPORATED IN 1930. 37. ACCORDING TO EURO MONEY MAGZINE, SWITZERLAND’S USB IS THE WORLD’S BEST PRIVATE BANK. 38. ROYAL BANK OF SCOTLAND, INDUSTRIAL AND COMMERCIAL BANK OF CHINA, US BASED GE CAPITAL FOREIGN BANKS IS GOING TO SET UP BUSINESS IN INDIA. 39. THE COMMERCIAL BANKS HAVE BEEN ORGANISED EITHE AS PUBLIC CORPORATIONS UNDER SEPARATE ACTS OF PARLIAMENT OR AS JOING STOCK COMPANIES UNDER THE COMPANIES ACT OF 1956. 40. THE CO-OPERATIVE BANK IS GOVENRNED BY THE BANKING REGULATION ACT 1949 AND BANKING LAWAS OF 1965.


41. NET INTER-BANK LIABILITIES HAVE BEEN EXEMPTED FROM THE MAINTENANCE OF SATUTORY LIQUID RATIO EFFECTIVE FROM APRIL 26, 1997. 42. CO-OPERATIVE BANKS IN INDIA FINANCE RURAL AREAS UNDER CATTLE AND MILK, FARIMING, HATCHERY AND PERSONAL FINANCE. 43. SOUTH INDIAN BANK IS THE FIRST AMONG THE PRIVATE SECTOR BANKS IN KERALA TO BECOME A SCHEDULED BANK IN 1946 UNDER THE RBI ACT. 44. INDIA’S OLDEST LARGEST AND MOST SUCCESSFUL COMERCIAL BANK, OFFERING THE WIDEST POSSIBLE RANGE OF DOMESTIC, INTERNATIONAL AND NRI PRODUCTS AND SERVICES, THROUGH ITS VAST NETWORK IN INDIA AND OVERSEAS IS STATE BANK OF INDIA. 45. IN 1971 THE CREDIT GUARANTEE CORPORATION WAS CREATED. 46. REGIONAL RURAL BANKS WERE CREATED IN 1975. 47. M NARASIMHAM COMMITTEE WORKED FOR THE LIBERALISATION OF THE BANKING PRACTICES. 48. THE STATE BANK OF INDIA IS INDIA’S LARGEST COMMERCIAL BANK AND IS RANKED ONE OF THE TOP 5 BANKS OF THE WORLD. 49. THE CO-OPERATIVE BANKS ARE ORGANISED ON A THREE TIER SYSTEM. 50. INITIAL AUTHORISED SHARE CAPTIAL SHARE OF EACH RURAL BANK WAS RS. 1 CRORE.

GK

1.Who invented Gunpowder? Answer : Roger Bacon

2.Who invented Gramophone? Answer :Thomas Alva Edison

3.Who invented Internal Combustion Engine? Answer:Otto

4.Which insurance salesman invented the fountain pen in 1884? Answer :Lewis Edson Waterman

5.Who is the only U.S. President to invent and patent something? Answer: Abraham Lincoln In 1849 Honest Abe invented a method to aid ships that got stuck on sandbars. He called it A Device for Buoying Vessels Over Shoals. It was never used.

6.What Thomas Davenport invented? Answer : Electric streetcar in 1834.

7.Where was the yo-yo invented? Answer :Philippines The yo-yo was first used by hunters as weapons. They were wooden disks on strings. In the


1920s, a man from the U.S. named Donald Duncan made the yo-yo into a toy after he visited the Philippines.

8.In which decade was the telegraph invented? Answer :On May 24, 1844, Samuel Morse send his famous message, "What hath God wrought?"

9.In which decade was the transistor invented? Answer:On December 23, 1947, William Shockley, Walter Brattain and John Bardeen, of Bell Labs, announced their discovery of the point-contact germanium transistor to management.

[1] When was World Pneumonia Day observed across world? Ans - 12 November

[2] What was the theme of World Pneumonia Day 2014? Ans - Universal access to pneumonia prevention and care.

[3] Who launched a social gamified collaboration platform called SloPho? Ans - Kapil Dev

[4] Where was the Seventh Summit on the Global Agenda held? Ans - UAE

[5] Where was the 22nd Asia-Pacific Economic Cooperation (APEC) Summit held? Ans - Beijing

QUICK REVISION : ============== Vitamin A (Retinol)

Vitamin B Complex : ------------------- Vitamin B1 (Thiamine) Vitamin B2 (Riboflavin) Vitamin B3 (Niacin) Vitamin B5 (Pantothenic Acid) Vitamin B6 (Pyridoxine) Vitamin B7 (Biotin)


Vitamin B9 (Folate) Vitamin B12 (Cobalamin)

Vitamin C (Ascorbic Acid)

Vitamin D (Calciferol)

Vitamin E (Tocopherols)

Vitamin K (Phylloquinone)

World Stock Exchanges Index

Country Index Name

1.India Sensex

2.United States. Dow Jones, NASDAQ

3.Japan. Nikkei

4.Russia. Micex

5.Germany. MID Dax

6.Hong Kong. HANG SENG

7.Italy. MIBTEL

8.Canada. S&P/ TSX

9.South Korea. KOSPI

10.Thailand. SET

*Biggest Eyes Bird: Ostriches

*Biggest Bird: North African ostrich

*Deadliest Animal: Female Anopheles mosquitoes


*Fastest animal in Land: Cheetahs 112-120km/hr

*Fastest animal in Water: Sailfish 68 miles/hr

*Fastest animal in Air: Peregrine falcons 70 miles/hr

*Fastest Bird in Land: Ostriches 40 miles/hr

*Fastest Swimming Bird: Gentoo Penguin 40 km/hour

*Fastest Mammal in water: Dall Porpoises 35 miles/hour.

*Heaviest Flying Bird: The Dalmatian Pelican

*Longest Arms: Gibbon

》1. First Deputy Chairman of PlanningCommission ?Ans:Guljhari Lal Nanda

》2. First Law Minister of Independent India ?

Ans:Dr.B.R.Ambedkar

》3. First Indian State to be formed on linguistic basis after the independence?

Ans:Andra Pradesh

》4. First Indian to enter into Civil Services?

Ans:Satyendranath Tagore

》5. First Chief Election commissioner of India ?

Ans:Sukumar Sen

》6. First Opposition leader of Indian Parliament ?

Ans:Dr.Ram Subhag Singh

》7. First CAG of India?

Ans:Narahari Rao

》8. First Vice Chairman of Rajya Sabha ?

Ans:S.V. Krishnan Moorthi Rao

》9. First Acting President of India ?

Ans:V.V.Giri


》10. First Railway Minister of India ?

Ans: Lal Bahadur Shastri.

★GENERAL KNOWLEDGE -HISTORY★

==============================

★ Dadabhai Naoroji was associated with the theory of "Drain of Wealth"

★ The kingdom of South India well known for its Naval power was The Cholas

★ Aligarh Muslim University was founded by Sir Syed Ahmed Khan

★ The first Indian ruler who prohibited Sati was Akbar

★The Mughal ruler who was to recruit Rajput nobles in his administration was Akbar

★The reforms announced by the British Govt.in 1909 are known as The Morle-Minto

Reforms

★The architect who designed the capital City of New Delhi was E.L.Lutyens

★At the time of independence, the number of princely states in India were 552

★The Indian Prime Minister known as "Man of Peace" was Lal Bahadur Shastri

Amar Goswami (1945–2012), Hindi author & journalist

Bharatendu Harishchandra (1850–1885), the "father of Hindi literature" Bhisham Sahni (1915–2003), author, screenwriter of 'Tamas' Bihari (1595–1664), author of Satasai ("Seven Hundred Verses") Banarasidas (1586–1643), author of 'Ardhakathanaka',the first biography in Hindi Bhagwati Charan Verma(1903-1981), author of 'Chitralekha' and Sahitya Akademy award winning 'Bhoole Bisre Chitra'


Chand Bardai (1148–1191), author of 'Prithviraj Raso'

Sudama Panday 'Dhoomil' or just Dhoomil (1936–1975), Hindi poet, recipient of 1979 Sahitya Akademi Award for "Kal Sunana Mujhe". Devaki Nandan Khatri (1861–1913), novelist, author of Chandrakanta Dharamvir Bharati (1926–1997), Hindi poet Dushyant Kumar (1931–1975), poet of modern Hindustani literature

Gopal Singh Nepali, poet, lyricist Gajanan Madhav Muktibodh (1917–1964), modern Hindi poet Guru Bhakt Singh 'Bhakt', "Wordsworth of India" Guru Gobind Singh (1666–1708), the tenth Guru of Sikhism Babu Gulabrai (1888-1963), Philosopher and Hindi Writer Gopaldas Neeraj, poet and author

Harishankar Parsai, satirist Hari Joshi, satirist, novelist, writer, poet

Harivanshrai Bachchan (1907–2003): Madhushala (मधशाऱा) 1935; Sahitya Akademi Award

1969 and Padma Bhushan 1976 Agni path 1991. Hazari Prasad Dwivedi, novelist, literary historian

Jagadguru Shree Kripaluji Maharaj Jaishankar Prasad (1889–1937), poet known for Kamayani Jainendra Kumar, author, short story writer Janki Ballabh Shastri, poet, autho

Kabir (1440–1518), poet, figure of the Bhakti movement Kaka Kalelkar (1885–1961), Gandhian, social reformer, scholar Kamleshwar, author, screenwriter, 2003 Sahitya Akademi Award for Kitne Pakistan (2000) Kedarnath Agarwal (1911–2000), recipient of the Sahitya Akademi Award (1986) for Apurva (Poetry collection). Kedarnath Singh, modern poet Keshavdas (1555–1625), Sanskrit scholar, Hindi poet, author of Rasik Priya Krishna Sobti (b. 1925-), recipient Sahitya Akademi Award in 1980 for the novel Zindaginama Kamta Prasad Guru, grammar expert Kaifi Azmi, Poet, Lyricist

Laxmi Narayan Mishra (1903-1987), playwright

Mirabai (1504–1560), poet Malik Muhammad Jayasi (1540), Avadhi poet Author of 'Padmawat'. Mahadevi Varma, poet,writer, recipient of the Jnanpith Award Maithili Sharan Gupt (1886–1964), modern Hindi poet A Pioneer of 'Khadi boli poetry'& the author of the epic 'Saket'


Makhanlal Chaturvedi (1889–1968), poet, playwright, journalist Mannu Bhandari (born 1931-), novelist Mohan Rakesh (1925–1972), a pioneer of the Nai Kahani ("New Story") literary movement Mahavir Prasad Dwivedi (1864–1938), writer, linguist, translator Manohar Shyam Joshi, journalist, screenwriter Mohan Rana (b. 1964) Hindi poet and philosopher Munshi Premchand (1880-1936) Modern Hindustani literature

Nagarjun (1911–2002), poet, biographer Nalin Vilochan Sharma (1916–1961) started the Nakenwad movement in Hindi literature Neelam Saxena Chandra (b 1969), poet, fiction Nirala, Suryakant Tripathi (1896–1961), poet, novelist Nirmal Verma (1929–2005), novelist, translator

Parichay Das (1964) writer and editor in contemporary Bhojpuri poetry. Premchand (1880–1936), Hindustani writer (GODAN) Phanishwar Nath 'Renu' (1921–1977), Hindi novelist Padma Sachdev (b. 1940), poet, novelist (Hindi & Dogri) Pran Kumar Sharma (b.1938) Written Chacha Choudhary

Raghuvir Sahay, (1929–1990), poet, translator, short-story writer and journalist Rahi Masoom Raza, writer, lyricist Rahul Sankrityayan, the "father of Hindi travel literature" Raidas (1398–1448), Guru, songwriter Rajinder Singh Bedi, writer, screenwriter Ramdhari Singh Dinkar (1908–1974), a nationalist poet, essayist Ram Vilas Sharma, literary critic Ramvriksh Benipuri, writer Rangeya Raghav, writer Raskhan (1533–1618), poet

Sahajanand Saraswati, writer, scholar Sachchidananda Vatsyayan (1911–1987), ("Agyeya") recipient of the Sahitya Akademi Award, Jnanpith Award, and others Sarveshwar Dayal Saxena (1927–1983), recipient of the Sahitya Akademi Award, 1983 Sharad Joshi (1931–1991), satirist, screenwriter Shekhar Joshi (born 1939), Hindi author Acharya Shivpujan Sahay, writer of novels and prose Sri Lal Sukla (1925–2011), satirist Pt. Shriram Sharma Acharya Hindi author and journalist Sumitranandan Pant (1900–1977), Hindi poet Surdas (1467–1583), composer Shankar Dayal Singh (1937–1995) Subhadra Kumari Chauhan, poet, songwriter


Suryakant Tripathi Nirala, poet and author Safdar Hashmi, Author, Street Theatre, Activist Shyam Narayan Pandey, Hindi Poet

Tulsidas (1532–1623), author of Shrī Rāmcharitmānas

Vishnu Prabhakar (1912–2009), recipient of the Sahitya Akademi Award for the novel Ardhanarishvara Vrindavan Lal Verma, historical novelist Vidya Niwas Mishra, scholar, journalist

Yashpal (1903–1976), novelist, author Jhutha Sach (The False Truth, 1958–1960)

COMPUTER TIPS

Create new Partition of HDD without

Formatting your computer

If your Hard-disk contain 3 partitions (named C, D and E) in your PC and you need to create 1 more partition then what will you do? Generally Most of people Format the Hard-disk and create a new partition with operating system DVD. But there is an easier method to create a new partition without formatting your HDD (Hard Disk Drive). and to do this we don’t need any software even operating system and also no need to copy the data to separate drives. But how ? Let's see the method : 1) Right Click on MY COMPUTER and click MANAGE

2) Now double click STORAGE

3) select DISK MANAGEMENT

In that window Hard-disk and other Storage Media details will be shown.

4) Now select a Disk drive to create a New Partition (eg 'Local Disk E')

5) Right Click on particular Drive then Click SHRINK Volume.

Now windows will show the free space in particular partition.

6) Type the disk size to create New Partition in Shrink Window.

Now click on “Shrink” , within few seconds a New Disk will be created.


Still Accessible is not done in New Disk.

7) Now Right Click on UNALOCATED DRIVE. Select New Simple Volume.

8) Click on NEXT. Now give a size to the New Partition.

9) Select a Drive letter (eg E, F, G etc) and Click on Next.

10) Then select Format Setting and File System. NTFS. And keep others as default. Put a tick on “Performances a Quick Format” and Click on Next.

Now the New Partition of your HDD is created successfully.

Kisan Vikas Patra (KVP) relaunched; money to double in 100 months

i. In view of popular demand, the government relaunched saving instrument Kisan Vikas Patra (KVP), wherein the invested money will get doubled in 8 years and 4 months.

ii. The KVP, relaunched by Finance Minister Arun Jaitley, will be available in the denomination of Rs 1,000; 5,000; 10,000 and 50,000. There will be no upper ceiling on investment. iii. Under the scheme Investors will be able to double their money in 100 months. During the launch, Finance Minister said it will help poor, gullible investors to channelise their savings towards trusted government schemes instead of some ponzi schemes. iv. The certificates, will be transferable and initially issued by post offices and later they will also be made available through nationalised banks. v. Earlier, it was launched by the Government on April 1, 1988.

Note: No PAN requirement for investment in Kisan Vikas Patra i. The Finance Ministry has said that there will not be requirement of Permanent Account Number or PAN in puttig money in relaunched Kisan Vikas Patra. ii. There will also not be any upper limit on investment. iii. It will be available to the investors in the denomination of Rs. 1000, Rs. 5,000, Rs. 10,000 and Rs. 50,000, with no upper ceiling on investment. iv. The certificates can be issued in single or joint names and can be transferred from one person to any other person / persons, multiple times. v. The facility of transfer from one post office to another anywhere in India and of nomination will be available. vi. With a maturity period of 8 years 4 months, the collections under the scheme will be available with the Government for a fairly long period to be utilized in financing


developmental plans of the Centre and State Governments and will also help in enhancing domestic household financial savings.

#‎ zmuQydoB_namuH

1. What is the name of the biggest part of the human brain?

2. The colored part of the human eye that controls how much light passes through the pupil is called the?

3. What is the name of the substance that gives skin and hair its pigment?

4. The muscles found in the front of your thighs are known as what?

5. True or false? The two chambers at the bottom of your heart are called ventricles.

6. What substance are nails made of?

7. What is the human body’s biggest organ?

8. The innermost part of bones contains what?

9. True or false? An adult human body has over 500 bones.

10. How many lungs does the human body have?

11. Another name for your voice box is the?

12. The two holes in your nose are called?

13. Your tongue is home to special structures that allow you to experience tastes such as sour, sweet, bitter and salty, what is their name?

14. The bones that make up your spine are called what?

15. The shape of DNA is known as?

16. The flow of blood through your heart and around your body is called?

17. The bones around your chest that protect organs such as the heart are called what?

18. What is the name of the long pipe that shifts food from the back of your throat down to your stomach?

19. True or false? Your ears are important when it comes to staying balanced.


20. The outside layer of skin on the human body is called the?

#‎ zmuQydoB_ndamuHByHamuH

1. The cerebrum 2. Iris 3. Melanin 4. Quadriceps 5. True 6. Keratin 7. The skin 8. Bone marrow 9. False (there are 206) 10. 2 11. Larynx 12. Nostrils 13. Taste buds 14. Vertebrae 15. A double helix 16. Circulation 17. Ribs 18. The esophagus 19. True 20. Epidermis

★H.L.Dattu became the 42nd chief justice of India.

★Manpreet singh named Asia's Junior Player of the year(Hockey)

★T.M.Bashinelected as the chairman of Indian Bank Association.

★ Rajni Rajdan has taken over as the chairman on UPSC.

★India's first ethanol run bus launched in Nagpur.

★Dutch teenager Max Verstappen to become the youngest Formula one driver.

VENUES OF DIFFERENT SPORTS ************************************************************************************* ODI: (One day International):

https://www.facebook.com/hashtag/human_body_quizanswers?source=feed_text


1. Australia & New Zealand: 2015. 2. England - 2019 3. India - 2023 T20: 1. Bangladesh -2014. – Sri Lanka defeat India to win the maiden title. 2. India -2016. 3. Australia - 2020. Test: 1. England– 2017 (for first time). 2. India - 2021. U-19 World Cup 1. UAE – 2014 - . South Africa defeated Pakistan to win the maiden title. 2. Bangladesh – 2016 3. New Zealand – 2018 4. South Africa – 2020 5. West Indies - 2022 Commonwealth Games venues: 1. 2014 – Glasgow (Scotland). 2. 2018 – Gold Coast (Australia). Olympics Games venues: 1. 2014 winter: Sochi (Russia) – Russia tops in the medal tally in 2014 winter Olympic games. 2. 2016 Summer: Rio de Janeiro (Brazil) 3. 2018 winter: Pyeongchang (South Korea) 4. 2020 summer: Tokyo (Japan)

ABBREVIATIONS

• KCC – Kisan Credit Card • KVIC – Khadi and Village Industries Corporation • KYC – Know your customer • LAMPS – Large Sized Adivasi Multipurpose societies • LERMS – Liberalised Exchange Rate Management System • LIC – Life Insurance Corporation of India • MCA – Ministry of Company affairs • MIS – Management Information System • MICR – Magnetic Ink Character Recognition • NABARD – National Bank for Agriculture and Rural Development • NBFC – Non Banking Finance Companies • NEFT – National Electronic Funds Transfer • NPA – Non Performing assets • NRE – Non Resident External account • NRI – Non Resident Indian


• NSE – National Stock Exchange • OLTAS – Online tax accounting system • OMO – Open market operations • PACS – Primary Agricultural Credit Societies • PDO – Public Debt Office • PIN – Personal Identification Number • QIB – Qualified Institutional Buyers • RBI – Reserve Bank of India • RDBMS – Relational Database Management System • REC – Rural ElectrificationCorporation • RFC – Resident Foreign Currency • RIDF – Rural Infrastructure Development Fund • RRB – Regional Rural Bank • RTGS – Real Time Gross Settlement • RWA – Risk Weighted Assets • SBI – State Bank of India • SCB – Scheduled Commercial Bank • SDR – Special Drawing Rights • SEBI – Securities and Exchange Board of India • SFMS - Structured Financial Messaging Services • SHG – Self Help Group • SIDBI – Small Industries Development Bank of India • SIDC – State Industrial Development Corporation • SJSRY –Swarna Jayanthi Shahari Rozgar Yojana • SLR – Statutory Liquidity Ratio • SLRS – Scheme for Liberation and Rehabilitation of Scavangers • SMERA – SME rating agency of India Limited • SSI – Small Scale Industries • SME – Small and Medium Industries • SSSBE – Small Scale Service and Business Enterprises • UTI – Unit Trust of India • WPI – Wholesale Price Index • YTM – Yield to maturity • LAB – Local Area Banks • ALM – Asset Liability Management • ANBC – Adjusted Net Bank Credit • ASBA – Applications supported Bank accounts • BOE – Bill of Exchange • CASA – Current and savings accounts • CBLO – Collateralised Bank Lending Obligations • CIBIL – Credit Information Bureau of India Limited • DPG – Deferred Payment Guarantee • DPN – Demand Promissory Note • DRAT – Debt Recovery Appellate tribunal


• DRI – Differential Rate of Interest • DSCR – Debt Service Coverage Ratio • EDI – Electronic Data Interchange • EMI – Equated Monthly Instalments • EPS – Earnings Per Share • ESOP – Employee Stock Options • FEDAI – Foreign Exchange Dealers Association of India • FFMC – Full Fledged Money Changers • FOB – Free on Board • LIBOR – London Inter Bank Operations Rate....

VOCABULARY

Word: Jeer (Verb )

Definition: Make rude and mocking remarks, typically in a loud voice.

Synonyms: Taunt, Sneer, Heckle, Ridicule, Insult, Scoff at

Antonyms: Compliment, Praise, Commend Example Sentence: Before the assembly, the principal told the student body that anyone who chose to jeer the speaker would be suspended for three days.

GA QUESTIONS

********************

[1] Who signed a Memorandum of Understanding (MOU) with respect to cooperation on clean energy

investment?

Ans - Indian Renewable Energy Development Agency Ltd ( IREDA) and US Exim Bank

[2] Who has been nominated as Director on the Central Board of Directors of RBI?

Ans - Dr Hasmukh Adhia

[3] Where was the International Buddhist Conference held?

Ans - Lumbini, Nepal

[4] Who has written the Book titled Truth Always Prevails?

Ans - Sadruddin Hashwani


[5] Who was conferred with the Sumitra Charat Ram Award for Lifetime Achievement?

Ans - Veteran classical vocalist Pandit Jasraj

1.On site ATM -within the premises of bank

2.Off site ATM - Outside the bank premises

3.White Label ATM - Provided by NBFC

4.Green Label ATM - Provided for Agricultural Transaction

5.Orange Label ATM - Provided for Share Transactions

6.Yellow Label ATM - provided for E-commerce

7.PINK label ATM---women banking

8.BROWN label ATM-- ATM are those Automated Teller Machines where hardware and the lease of the ATM machine is owned by a service provider--but cash management and connectivity to banking networks is provided by a sponsor bank .

ICC AWARD 2014

ICC cricketer of the year -Michael jonshon

ICC test cricketer of the year-michael jonshon

ICC onday cricketer of the year -A.B.devilliars.

ICC emerging player of the year -garry ballance

ICC associate &affiliate cricketr of the year -Preston momsen

ICC woman cricketr of the year -Sarah Taylor

ICC T-20 international performance of the year -aeron finch

ICC T-20 woman cricketr of the year -megg Lenin

ICC sprite of the cricket award -Catherine brunt


ICC umpire of the year -Richard cattleborrow

Lg people choice award -bhuvneshwar kumar

► Uninor appoints Vivek Sood as new CEO

1. Google— Larry Page & Sergey Brin 2. Facebook— Mark Zuckerberg 3. Yahoo— David Filo & Jerry Yang 4. Twitter— Jack Dorsey & Dick Costolo 5. Internet— Tim Berners Lee 6. Linkdin— Reid Hoffman, Allen Blue& Koonstantin Guericke 7. Email— Shiva Ayyadurai 8. Gtalk— Richard Wah kan 9. Whats up— Laurel Kirtz 10. Hotmail— Sabeer Bhatia 11. Orkut— Buyukkokten 12. Wikipedia— Jimmy Wales 13. You tube— Steve Chen, Chad Hurley & JawedKarim 14. Rediffmail— Ajit Balakrishnan 15. Nimbuzz— Martin Smink & Evert Jaap Lugt 16. Myspace— Chris Dewolfe & Tom Anderson 17. Ibibo— Ashish Kashyap 18. OLX— Alec Oxenford & Fabrice Grinda 19. Skype— Niklas Zennstrom,Janus Friis & Reid Hoffman 20. Opera— Jon Stephenson von Tetzchner & Geir lvarsoy 21. Mozilla Firefox— Dave Hyatt & Blake Ross 22. Blogger— Evan Willams


•Which is the Regulatory body for RRB? - NABARD •Who is the author of God of small thing? Arundhati Roy •NPS stands for? National pension scheme •RBI policy related to money laundering? Know Your Customer •NBFC deals in? - providing banking services •What is the full form of PDF? Portable Document Format •Who won the Nobel piece award 2014? Kailash Satyarthi and Malala Yousafzay •Who belongs to tennis? options were - djokovic, federer, messi •When is world rabies day? 28th September •Interest on savings account is calculated on which basis? daily basis •In which of the following places there is no nuclear plant? - kenya •Mutual funds regulated by? - Securities and Exchange Board of India •What is ping in computer networking utility? - Packet InterNet Groper •Processor speed measure in Instructions per second •Using two different brand names for a purpose of single product is called? Co-branding •One question on repo rate •What is the function of Ctrl + s in MS Word = to save file or document •Ping in computer used for •What does B stands for in ECB? - Borrowings •What is the full form of RRB? - Regional rural Bank •What is the upper limit of PPF? - 1.5 lakh •What is the oldest currency in the world? - Pound sterling •Which among the following is not an output device? - Scanner •Who is the author of the book Final Test: Exit Sachin Tendulkar? - Dilip D' Souza •What will Inflation result in? - Decrease in economic activities of a country •Which among the following is a volatile memory? - RAM •Question based on the definition of GNP (Gross National Product) •What is an Internet explorer? Browser •What is the extension used for MS word? - .doc,.docx •What is the first step of buying? - need recognition •In which of the following areas there is no 100% FDI in railways? - •Who is water resource minister? - Uma Bharti •The 5000 ₹ overdraft in Jan dhan will be applicable only if the account is active for how many months. •The slogan "I have a dream" is given by which American activist in his public speech? - Martin Luthor King •Which PSU is responsible for insurance over export? - Export Credit Insurance •Which is an insurance regulatory body- IRDA


Afghanistan — Shoora Andorra — General Council Albania — People's Assembly Azerbaijan — Melli Majlis Algeria — National People's Assembly Angola — National People's Assembly Argentina — National Congress Australia — Federal Parliament Austria — National Assembly Bahamas — General Assembly Bahrain — Consultative Council Bangladesh — Jatiya Sansad Belize — National Assembly Bhutan — Tshogdu Bolivia — National Congress Brazil — National Congress Brunei — National Assembly Botswana — National Assembly Britain — Parliment (House of Common's & House of Lords) Bulgaria — Narodno Subranie. Cambodia — National Assembly Congo Democratic — Rep. of National Legislative Council Colombia — Congress Canada — Parliament China — National People's Congress Chile — Chamber of Deputies and Senate Comoros — Legislative Council and Senate Costa Rice — Legislative Council and Senate Crotia — Sabor Cuba — National Assembly of People's Power Czech Republic — Chamber of Deputies and Senate Denmark — Folketing Ecuador — Natinal Congress El Salvador — Legislative Assembly East Timor — Constituent Assembly Ethiopia — Federal Council and House of Representative Egypt — People's Assembly Fiji Islands — Senate & House of Representative France — National Assembly Finland — Eduskusta (Parliament) Germany — Bundestag(Lower House),Bundesrat(UpperHouse) Guyana — National Assembly Greece — Chamber of Deputies Hungary — National Assembly


Iceland — Althing India — Parliament Indonesia — People's Consultative Assembly Iran — Majlis Iraq — National Assembly Israel — Knesset Italy — Chamber of Deputies and Senate Japan — Diet Jordan — National Assembly Korea(North) — Supreme People's Assembly Korea(South) — National Assembly Kuwait — National Assembly Kenya — National Assembly Laos — People's Supreme Assembly Labanon — National Assembly Lesotho — National Assembly and Senate Lithuania — Seimas Luxembourg — Chamber of Deputies Liberia — National Assembly Libya — General People's Congress Malaysia — Dewan Rakyat and Dewan Negara Maldives — Majlis Madagascar — National People's Assembly Mongolia — Great People's Khural Montenegro — Federal Assembly Mozambique — People's Assembly Myanmar — Pyithu Hluttaw Nepal — National Panchayat Netherlands — The State General Norway — Storting New Zealand — Parliament (House of Representative) Oman — Monarchy Pakistan — National Assembly & Senate Paraguay — Senate & Chamber of Deputies Philippines — The Congress Papua New Guinea — National Parliament Poland — Sejm Romania — Great National Assembly Russia — Duma & Federal Council Serbia — Federal Assembly Senegal — National Assembly Seychelles — People's Assembly Somalia — People's Assembly South Africa — Rep. House of Assembly Spain — Cortes


Sweden — Riksdag Saudi Arabia — Majlis Al Shura Sudan — National Assembly Switzerland — Federal Assembly Syria — People's Council Turkey — Grand National Assembly Tunisia — National Assembly USA — Congress Vietnam — National Assembly Venezuela — National Congress Zaire — National Legislative Council Zambia — National Assembly

‎Banking

1. What is E-Governance ? E-Governance is the public sector’s use of information and communication technologies with the aim of improving information and service delivery, encouraging citizen participation in the decision-making process and making government more accountable,transparent and effective.

2. What is Right to information Act ? The Right to Information act is a law enacted by the Parliament of India giving citizens of India access to records of the Central Government and State overnments.The Act applies to all States and Union Territories of India, except the State of Jammu and Kashmir - which is covered under a State-level law. This law was passed by Parliament on 15 June 2005 and came fully into force on 13 October 2005. · 3. Credit Rating Agencies in India ? The credit rating agencies in India mainly include ICRA and CRISIL. ICRA wasformerly referred to the Investment Information and Credit Rating Agency of India Limited. Their main function is to grade the different sector and companies in terms of performance and offer solutions for up gradation. The credit rating agencies in India mainly include ICRA and CRISIL(Credit Rating Information Services of India Limited) · 4. What is Cheque ? Cheque is a negotiable instrument instructing a Bank to pay a specific amount from a specified account held in the maker/depositor's name with that Bank.A bill of exchange drawn on a specified banker and payable on demand.“Written order directing a bank to pay money”.


5. What is demand Draft ? A demand draft is an instrument used for effecting transfer of money. It is a Negotiable Instrument. Cheque and Demand-Draft both are used for Transfer of money. You can 100% trust a DD. It is a banker's check. A check may be dishonored for lack of funds a DD can not. Cheque is written by an individual and Demand draft is issued by a bank. People believe banks more than individuals.

A bank is a financial intermediary that accepts deposits and channels those deposits into lending

activities, either directly by loaning or indirectly through capital markets. A bank links together

customers that have capital deficits and customers with capital surpluses.

Types of Bank

1. Para banking- When Bank provide banking services except the general banking facility.

2. Narrow Banking- When banks invest its money in government securities instead investing in

market to avoid risk.

3. Overseas Banking- Banks having branches in other countries besides its origin country.

Example Bank of Baroda has maximum foreign branches by any indian bank

4. Offshore Banking- Bank which accept currency of all countries. Offshore banks are in those

countries which declares them as Heaven Bank Country. Example- Swiss Banks

5. Green banking- Promoting environmental-friendly practices and reducing your carbon

footprint from your banking activities.

6. Islamic bank- Those Banks which work according to Islamic Laws. Concept originate in

Egypt. Islamic bank opens at Cochin in kerala in 2010.

7. Kiosk Banking- When we Deposit or withdraw money from booths , it is called Kiosk

banking.

8.Defence Banking- Full banking services made available to all members of the Defence force,

including non-uniformed personnel and other civilians.

9.Retail Banking- Retail banking refers to the division of a bank that deals directly with retail

customers. Also known as consumer banking or personal banking, retail banking is the visible

face of banking to the general public.

10 Banking on Wheel- to provide banking services in remote villages which are devoid of

banking facilities as part its financial inclusion plan.

11. Wholesale banking-Wholesale banking is the provision of services by banks to

organisations such as Mortgage Brokers, large corporate clients, mid-sized companies, real estate

developers and investors, international trade finance businesses, institutional customers (such as

pension funds and government entities/agencies), and services offered to other banks or other


financial institutions.

Classification of Banks

1. Central Bank (RBI)

2. Scheduled Banks

A scheduled bank is a bank that is listed under the second schedule of the RBI Act, 1934. In

order to be included under this schedule of the RBI Act.

Scheduled banks are further classified into commercial and cooperative banks.

Non Scheduled Banks - No bank at present

Scheduled Banks -Divided into two

1. Scheduled Commercial

A) Domestic Banks B) Foreign Banks eg HSBC

a)Government Banks b) Private Banks

i) Public Sector Bank eg. SBI, PNB

ii) RRB(Regional Rural Bank) eg. Prathma Gramin Bank

2. Co-operative Banks

• Primary credit societies

• Central Co-operative banks

• State co-operative Banks

3. Specialised Bank eg. Exim Bank, Nabard

Commercial Banks refer to both scheduled and non -scheduled commercial banks which are

regulated under Banking Regulation Act, 1949

.

(a) Scheduled Commercial Banks are grouped under following categories:

1. State Bank of India and its Associates

2. Nationalised Banks

3. Foreign Banks

4. Regional Rural Banks

5. Other Scheduled Commercial Banks.

(b) Non - Scheduled Commercial Banks

Note: Banks in the groups (1) & (2) above are known as public sector banks whereas, other

scheduled commercial banks mentioned at group (5) above are known as private sector banks.

• Commercial banks are the single most important source of institutional credit in India. A bank

is an institution that accepts deposits of money from the public, withdrawable by cheque and

used for lending.

•Two essential functions which make a financial institution a bank -

I. acceptance of chequable deposits (of money) from the public and II. Lending.

• Three things about deposits are noteworthy:

• They are deposits of money

• Deposits are accepted from public at large

• Deposits are repayable on demand and withdraw -able by cheque


As bank (under the Banking Regulation Act, 1949) is not allowed to carry on any business of its

own (other than that of banking), the word lending is used here broadly to include both direct

lending to borrowers and indirect lending through investment in open - market securities

NATIONALISATION OF BANKS

First to be nationalised was RBI on January 1, 1949.

Nationalisation of lmperial Bank of India and its conversion into State Bank of India in July

1955.

Conversion of 8 major State-associated banks into subsidiary banks of SBI in 1959.

Nationalisation of 14 other Indian scheduled banks in July 1969.

Nationalisation of 6 more banks in April 1980.

Indian bank merged into Punjab National Bank in 1995.

Functions of Banks

Acceptance of money on deposit from the public.

Collection of cheques, drafts, bills, hundis, and other instruments (inland and foreign) for their

depositors.

Issue of performance and financial guarantees.

Provision of remittance facilities by issue of drafts, mail transfers, and telegraphic transfers.

Provision of facilities of safe custody of deeds and securities and safe deposits vaults.

Purchase and sale of securities for their constituents.

Bank Deposits

Types of Bank Deposits

Traditionally banks in India have four types of deposit accounts, namely

1. Current Accounts

2. Saving Banking Accounts

3. Recurring Deposits and

4. Fixed Deposits.

Current Accounts are basically meant for businessmen and are never used for the purpose of

investment or savings. These deposits are the most liquid deposits and there are no limits for

number of transactions or the amount of transactions in a day. Most of the current account are

opened in the names of firm / company accounts. Cheque book facility is provided and the

account holder can deposit all types of the cheques and drafts in their name or endorsed in their

favour by third parties. No interest is paid by banks on these accounts. On the other hand,

banks charges certain service charges, on such accounts.

Features of Current Accounts :

(a) The main objective of Current Account holders in opening these account is to enable them

(mostly businessmen) to conduct their business transactions smoothly.

(b) There are no restrictions on the number of times deposit in cash / cheque can be made or the

amount of such deposits;

(c) Usually banks do not have any interest on such current accounts. However, in recent times

some banks have introduced special current accounts where interest (as per banks' own

guidelines) is paid

(d) The current accounts do not have any fixed maturity as these are on continuous basis


accounts

Saving Accounts- These deposits accounts are one of the most popular deposits for individual

accounts. These accounts not only provide cheque facility but also have lot of flexibility for

deposits and withdrawal of funds from the account. Most of the banks have rules for the

maximum number of withdrawals in a period and the maximum amount of withdrawal, but

hardly any bank enforces these. However, banks have every right to enforce such restrictions if

it is felt that the account is being misused as a current account. Till 24/10/2011, the interest on

Saving Bank Accounts was regulared by RBI and it was fixed at 4.00% on daily balance

basis. However, wef 25th October, 2011, RBI has deregulated Saving Fund account interest

rates and now banks are free to decide the same within certain conditions imposed by

RBI. Under directions of RBI, now banks are also required to open no frill accounts (this term

is used for accounts which do not have any minimum balance requirements). Although Public

Sector Banks still pay only 4% rate of interest, some private banks like Kotak Bank and Yes

Bank pay between 6% and 7% on such deposits. From the FY 2012-13, interest earned upto Rs

10,000 in a financial year on Saving Bank accounts is exempted from tax.

Recurring Deposit Accounts- These are popularly known as RD accounts and are special kind

of Term Deposits and are suitable for people who do not have lump sum amount of savings, but

are ready to save a small amount every month. Normally, such deposits earn interest on the

amount already deposited (through monthly installments) at the same rates as are applicable for

Fixed Deposits / Term Deposits. These are best if you wish to create a fund for your child's

education or marriage of your daughter or buy a car without loans or save for the future.

Recurring Deposit accounts are normally allowed for maturities ranging from 6 months to 120

months. A Pass book is usually issued wherein the person can get the entries for all the

deposits made by him / her and the interest earned. Banks also indicate the maturity value of the

RD assuming that the monthly instalents will be paid regularly on due dates. In case instalment

is delayed, the interest payable in the account will be reduced and some nominal penalty charged

for default in regular payments. Premature withdrawal of accumulated amount permitted is

usually allowed (however, penalty may be imposed for early withdrawals). These accounts can

be opened in single or joint names. Nomination facility is also available.

The RD interest rates paid by banks in India are usually the same as payable on Fixed Deposits,

except when specific rates on FDs are paid for particular number of days e.g. 500 days, 555 days,

1111 days etc i.e. these are not ending in a quarter.

Fixed Deposit Accounts or Term Deposits

All Banks in India (including SBI, PNB, BoB, BoI, Canara Bank, ICICI Bank, Yes Bank

etc.) offer fixed deposits schemes with a wide range of tenures for periods from 7 days to 10

years. These are also popularly known as FD accounts. However, in some other countries

these are known as "Term Deposits" or even called "Bond". The term "fixed" in Fixed Deposits

(FD) denotes the period of maturity or tenor. Therefore, the depositors are supposed to continue

such Fixed Deposits for the length of time for which the depositor decides to keep the money

with the bank. However, in case of need, the depositor can ask for closing (or breaking) the

fixed deposit prematurely by paying paying a penalty (usually of 1%, but some banks either

charge less or no penalty). (Some banks introduced variable interest fixed deposits. The rate


of interest on such deposits keeps on varying with the prevalent market rates i.e. it will go up if

market interest rates goes and it will come down if the market rates fall. However, such type of

fixed deposits have not been popular till date).

The rate of interest for Fixed Deposits differs from bank to bank (unlike earlier when the same

were regulated by RBI and all banks used to have the same interest rate structure. The present

trends indicate that private sector and foreign banks offer higher rate of interest.

Non Performing Asset

Non Performing Asset means an asset or account of borrower, which has been classified by a

bank or financial institution as sub-standard, doubtful or loss asset in accordance with the

directions or guidelines relating to asset classification issued by RBI

An asset, including a leased asset, becomes non-performing when it ceases to generate income

for the bank.

A non performing asset (NPA) is a loan or an advance where;

(i) Interest and/ or instalment of principal remain overdue for a period of more than

90 days in respect of a term loan,

(ii) The account remains ‘out of order’ in respect of an Overdraft/Cash Credit

(OD/CC), if the outstanding balance remains continuously in excess of the

sanctioned limit/drawing power. In cases where the outstanding balance in the

principal operating account is less than the sanctioned limit / drawing power, but

there are no credits continuously for 90 days as on the date of Balance Sheet or

credits are not enough to cover the interest debited during the same period, these

accounts should be treated as 'out of order'.

(iii) The bill remains overdue for a period of more than 90 days in the case of bills

purchased and discounted,

(iv) The instalment of principal or interest thereon remains overdue for two crop

seasons for short duration crops,

(v) The instalment of principal or interest thereon remains overdue for one

Crop season for long duration crops,

(vi) The amount of liquidity facility remains outstanding for more than 90 days, in

respect of a securitisation transaction undertaken in terms of guidelines on

securitisation dated February 1, 2006.

(vii) In respect of derivative transactions, the overdue receivables representing positive

mark-to-market value of a derivative contract, if these remain unpaid for a period

of 90 days from the specified due date for payment.


New York(USA) :

UNO-United nations organisation

UNICEF-United Nations International Children's Emergency Fund

UNFPA-United Nations Population Fund

Geneva(Switzerland) :

WHO-World health organisation

WTO-World trade organisation

UNCTAD-United Nations Conference on Trade and Development

WMO-World Meteorological Organisation

ICRC-International Committee of the Red Cross

Washington,DC(USA):

W for W---World bank

IMF-International Monetary Fund

Vienna(Austria) :

OPEC-Organization of the Petroleum Exporting Countries

UNIDO-United Nations Industrial Development Organization

IAEA-International Atomic Energy Agency

London(UK) :

IMO-International Maritime Organization

AI-Amnesty International

Commonwealth of Nations

UNESCO-United Nations Educational, Scientific and Cultural Organization(PARIS-France)

SAARC-South Asian Association for Regional Cooperation(Kathmandu-Nepal)

ADB-Asian Development bank(Manila-Philippines)

ASEAN-Association of Southeast Asian Nations(Jakarta-Indonesia)

NATO-North Atlantic Treaty Organization(Brussels-Belgium)

APEC-Asia-Pacific Economic Cooperation(Singapore)

ICJ-International Court of Justice(Hague-Netherlands)

FAO-Food and Agriculture Organization(Rome)

1. WTO - Roberto Azevedo- Geneva, Switzerland

2. WHO- Margrate Chan- Geneva, Switzerland

3. IMF- Christane Legarde- Washington, D.C., United States

4. World Bank- Jim Yong Kim- Washington, D.C.

5. RBI- Raghuram Govinda Rajan- Mumbai


6. SEBI-U.K. Sinha- Mumbai

7. NABARD- Harsh Kumar Bhanwala- Mumbai

8.Indian Army- Lt. Gen. Dalbir Singh Suhag

9. Indian Airforce-Arup Raha

10. Indian Navy- Admiral Robin K Dhowan

11. Asian development Bank- Takehiko Nakao- Manila , Philippines

NOTE-

1. International Monetary Fund (IMF)

Headquarters- Washington, D.C., United States

Membership-29 countries (founding); 188 countries (to date)

Official language-Arabic, Chinese, English, French, Russian, Spanish

Currency - SDR(Special Drawing Rights)

Recent Member- South Sudan

Managing Director Christine Lagarde

2. World Trade Organisation (WTO)

Formation 1 January 1995

Earlier Known as- General Agreement on Tariffs and Trade (GATT), which commenced in 1948

Headquarters Centre William Rappard, Geneva, Switzerland

Membership 160 member states

Official language English, French, Spanish

Recent Member- Yemen is the newest full member, joining on 26 June 2014

Director-General Roberto Azevêdo

3. United Nations

Establishment

- UN Charter signed 26 June 1945

- Charter ratified 24 October 1945

Headquarters- New York City

Official languages - Arabic, English, French, Chinese, Russian, Spanish

Membership 193 member states, 2 observer states

Recent Member- South Sudan

Leaders

- Secretary-General South Korea Ban Ki-moon

- Deputy Secretary-General Sweden Jan Eliasson

- General Assembly President Antigua and Barbuda John Ashe

- Economic and Social Council President Austria Martin Sajdik

- Security Council President Rwanda Eugène-Richard asana

4. Asian Development Bank

Formation 22 August 1966


Type Regional organization

Headquarters Mandaluyong City, Metro Manila, Philippines

Region served Asia-Pacific

Membership 67 countries(48 are from within Asia and the Pacific and 19 outside)

Recent Member-Georgia(2007)

President Takehiko Nakao

AIMA Managing India Awards 2014

Recipient of awards in different category

• AIMA Corporate Citizen Award 2014 – Shiv Nadar, Founder & Chairman, HCL and Shiv Nadar

Foundation

• AIMA Business Leader of the Year’ Award 2014 – Adi Godrej, Godrej group Chairman

• AIMA Lifetime Contribution Award 2014 – Deepak Parek, the HDFC Chairman

• AIMA Outstanding Institution Builder’ Award 2014 – Sengamedu Srinivasa Badrinath, the Founder

and Chairman Emeritus, Sankara Nethralaya

• AIMA Entrepreneur of the Year 2014 – Chandra Shekhar Ghosh, Chairman and Managing Director,

Bandhan Financial Services

• AIMA Emerging Business Leader of the Year 2014 - M G George Muthoot, Chairman, Muthoot Group

• AIMA Outstanding Contribution to Media 2014 – Mammen Mathew, Chief Editor and Managing

Director, Malayala Manorama Group

• AIMA Director of the Year 2014 – Rakeysh Omprakash Mehra, Film Writer, Producer, Director

• AIMA Transformational Business Leader of the Year 2014 – Uday Kotak, Executive Vice Chairman

and Managing Director, Kotak Mahindra Bank Ltd

Current Affairs Quiz

1. Who has chosen for Indira Gandhi prize for Peace, Disarmament and Development for 2014?

Ans- Indian Space Research Organisation (ISRO)

2. Who is the President of Myanmar?

Ans- U Thein Sein

3. 25th ASEAN Summit was held at.......?

Ans- Myanmar

4. Who will be the new Chairman and Managing Director (CMD) of Coal India Limited (CIL) ?

Ans- Sutirtha Bhattacharya


5. World’s fastest supercomputer named was.......?

Ans- Tianhe-2

6. Who is The Prime Minister of FIJI?

Ans- Josiah V Bainimarama

7. Who has been nominated as Director on the Central Board of Directors of RBI ?

Ans- Dr. Hasmukh Adhia

8. Who has been resigned as Chief Coach of Indian hockey team?

Ans- Terry Walsh

9. Who was awarded with the prestigious International Children’s Peace Prize 2014 ?

Ans- Neha Gupta

10.Which Bank launched smart self-service terminal that enables customers to deposit as well as

withdraw cash from the same machine ?

Ans- Axis Bank

1. What is the Banking Ombudsman Scheme?

The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers

for resolution of complaints relating to certain services rendered by banks.

The Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act,

1949 by RBI with effect from 1995.

2. Who is a Banking Ombudsman?

The Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress

customer complaints against deficiency in certain banking services.

3. How many Banking Ombudsmen have been appointed and where are they located?

As on date, fifteen Banking Ombudsmen have been appointed with their offices located mostly in

state capitals. The addresses and contact details of the Banking Ombudsman offices have been

provided in the annex.

4. Which are the banks covered under the Banking Ombudsman Scheme, 2006?


All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are

covered under the Scheme.

5. When can one file a complaint?

One can file a complaint before the Banking Ombudsman if the reply is not received from the bank

within a period of one month after the bank concerned has received one s representation, or the bank

rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

6. Where can one lodge his/her complaint?

One may lodge his/ her complaint at the office of the Banking Ombudsman under whose jurisdiction,

the bank branch complained against is situated. For complaints relating to credit cards and other

types of services with centralized operations, complaints may be filed before the Banking

Ombudsman within whose territorial jurisdiction the billing address of the customer is located.

Address and area of operation of the banking ombudsmen are provided in the annex.

7. Can a complaint be filed by one s authorized representative?

Yes. The complainant can be filed by one s authorized representative (other than an advocate).

8. Is there any cost involved in filing complaints with Banking Ombudsman?

No, The Banking Ombudsman does not charge any fee for filing and resolving customers‘ complaints.

Tax Structure in India India has a well maintained tax structure that clearly differentiate authority

between Central, State, and Local Bodies. As the Indian Constitution is quasi federal, the country has

three tier government comprising Central Government, the State Government, and the Local

Governments. Central Government levy taxes on income, custom duties, service tax, and service tax.

State government levy Stamp Duty, Value Added Tax (VAT), state excise, land revenue and profession

tax. And Local Government can levy tax on octroi, properties, and utilities like water, electricity and so

on. Indian government has broadly classified the taxes in two types, which are mentioned below:

DIRECT TAX

Direct Taxes are those taxes whose burden to the pay the tax directly lays on the tax payer. It is

generally imposed on individual person or property. Direct taxes accounts for more than half of the

total tax revenue of the central Government. It includes income tax, wealth tax, house tax etc.

Taxes on Wealth and Income The central government levies a number of taxes on income and wealth

of which only personal income tax and corporation tax are important.


Personal Income Tax: It is levied on the incomes of individual, Hindu Families, unregistered firms and

other association of people. For taxation purposes, income from all sources is added.

Corporation Tax: Corporation Tax is levied on the income of registered companies and corporations.

The rationale for the corporation tax is that a joint stock company has a separate entity and thus a

separate tax different from personal income tax has to be levied on its income.

Taxes on Wealth & Capital The taxes which have been levied on wealth and capital are mainly three:

estate duty, annual tax on wealth, and gift tax

Estate Duty: It was first introduced in India in 1953. It was levied on total property passing on the

death of the person. The whole property of deceased constituted the estate and was considered liable

to pay the estate duty.

Annual Tax on Wealth: it was first introduced in May 1957 on the recommendation of Kaldor. It is

levied on the excess of net wealth over exemption of individual, Joint Hindu Families and companies.

Gift Tax was first introduced in the year 1958. It was treated as complementary to the estate duty and

annual tax on wealth. The gift tax was leviable on all donations except the one given by charitable,

Government Companies and private companies.

INDIRECT TAX

Indirect Taxes are those taxes, which are collected from intermediary from the individual who bears

the ultimate economic burden of tax. In other words, it is the tax whose liability to pay is one person

and burden to pay is other individual. Indirect Tax includes sales tax, value added tax, entertainment

tax and so on. Some of them are mentioned below:

Custom Duties -While using its constitutional power, the central government levies duties on both

import and exports. Import duties in India are generally levied on advalorem basis which implies that

they are determined as certain percentage of the price of commodity.

Excise Duties An excise duty is in true sense a commodity tax because it is levied on production and

has absolutely no connection with its actual sale. Excise duties on commodities other than alcoholic

liquor and narcotics are levied by the central government

Computer Notes


General Keyboard shortcut Keys

Ctrl+C - Copy

Ctrl+x- Cut

Ctrl+V- Paste

Ctrl+z - Undo

Delete- Delete

Shift-Delete -Delete the selected item permanently without placing the item in the Recycle Bin

Ctrl while dragging an item- Copy the selected item

Ctrl+Shift while dragging an item- Create a shortcut to the selected item

F2 key-Rename the selected item

Ctrl+Riqht Arrow- Move the insertion point to the beginning of the next word

Ctrl+Left Arrow-Move the insertion point to the beginning of the previous word

Ctrl+Down -Arrow Move the insertion point to the beginning of the next paragraph

Ctrl+Up Arrow-Move the insertion point to the beginning of the previous paragraph

Ctrl+Shift -with any of the arrow keys- Highlight a block of text

Shift with any of the arrow keys-Select more than one item in a window or on the desktop

Ctrl+A- Select all

F3 key- Search for a file or a folder

AIt+Enter- View the properties for the selected item

Alt+F4 -Close the active item, or quit the active program

Alt-Enter - Display the properties of the selected object

Alt-Spacebar-Open the shortcut menu for the active window Ctrl+F4 Close the active document in

programs

Alt+Tab-Switch between the open items

Alt+Esc -Cycle through items in the order that they had been opened

F6 key- Cycle through the screen elements in a window or on the desktop

F4 key- Display the Address bar list in My Computer or Windows Explorer

Shift+F10-Display the shortcut menu for the selected item Alt+Spacebar Display the System menu for

the active window

Ctrl+Esc- Display the Start menu Alt+U Underlined letter in a menu name

F10 key-Activate the menu bar in the active program

Right Arrow- Open the next menu to the right, or open a submenu

Left Arrow-Open the next menu to the left, or close a submenu

F5 key- Update the active window

Backspace -View the folder one level up in My Computer or Windows Explorer

Esc - Cancel the current task

Ctrl+Shift+Esc-Open Task Manager

Ctrl+Tab- Move forward through the tabs

Ctrl+Shift+Tab Move backward through the tabs

Tab-Move forward through the options

Shift+Tab Move backward through the options


Alt+Underlined letter- Perform the corresponding command or select the corresponding option Enter -

Perform the command for the active option or button

Spacebar -Select or clear the check box if the active option is a check box

Arrow keys Select a button if the active option is a group of option buttons

Fl key- Display Help

F4 key Display the items in the active list

Backspace- Open a folder one level up if a folder is selected in the Save As or Open dialog box

Budget and its types

Budget- Budget is the estimation of income and expenditure.

Budget is prepared for proper and systematic development.

Budget represent in 3 ways-

1. Income> expenditure= surplus

2. Income= expenditure= balance budget

3. Income< expenditure = deficit budget

Note- India's budget is always deficit because India is a developing country.

Sources of Money for Government-

1. Loan from RBI

2. Government securities

3. Loan from Asian development Bank and world bank

Categories of Budget-

1. Gender Budget

2. Zero base Budget

3. Outcome Budget

4. Traditional Budget

5. Performance Budget

6. Interim Budget

1. Gender Budget- When budget is female oriented is called gender budget.

2. Zero base Budget- When government form budget without considering last years budget

performance that is called zero base budget.

3. Outcome Budget- When budget is result oriented(means particular sector growth related).


4. Traditional Budget- When income estimated and expenditure fixed is called Traditional budget.

5. Performance Budget- When government form budget with considering last year budget.

6. Interim Budget- Year 2014-15 budget is interim budget.

When government is not able to prepare budget for full year is called interim budget. Example in

election times , in wars.

Interim Budget is for 4 months.

Note- First time budget was represented by Robert woolpoul in 1773 in U.K.

Bugat is a french word for Budget.

In India under Constitution Article 112 government present Union Budget. In constitution of India

annual financial statement is mentioned not budget.

State Legislative Assemble present their budget by article 202.

India's First Budget was presented by James Wilson in 1860 when lord canning is viceroy of India.

In 1921 Edward committee recommend to divide budget in two parts-

1. Rail Budget

2. Union Budget

First Independent India's Budget presented by Mr. R. K kshadmugam chatti (it is first interim budget)

in November 1947.

First Republic India's Budget presented byMr. John Mathei.

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IMPORTANT QUESTIONS WITH ANSWERS

1. What will follow if a Money Bill is substantially amended by the Rajya Sahbha? (A) The Lok Sabha may still proceed with the Bill, accepting or not accepting the recommendations of the Rajya Sabha. (B) The Lock Sabha cannot consider the Bill further (C) The Lok Sabha may send the Bill to the Rajya Sabha for reconsideration (D) The President may call a joint sitting for passing the Bill Ans. D


2. Which one of the following statements is correct? (A) In India, the same person cannot be appointed as Governor for two or more States at the same time (B) The Judges of the High Court of the States in India are appointed by the Governor of the state just as the Judges of the Supreme Court are appointed by the President (C) No procedure has been laid down in the Constitution of India for the removal of a Governor from his/her post (D) In the case of a Union Territory having a legislative setup, the Chief Minister is appointed by the Lt. Governor on the basis of majority support Ans. C

3. Which one of the following pairs is correctly matched? Geographical Region Feature (A) Abyssinian Plateau : Arabia (B) Atlas Mountains : North-Western Africa (C) Guiana Highlands : South-Western Africa (D) Okavango Basin : Patagonia Ans. C

4. With reference to the history of Indian rock-cut architecture, consider the following statements: 1. The canves at Badami are the oldest surviving rock-cut caves in India. 2. The Barabar rock-cut caves wre originally made for Ajivikas by Emperor Chandragupta Maurya. 3. At Ellora, caves were made for different faiths. Which of the statements given above is/are correct? (A) 1 only (B) 2 and 3 only (C) 3 only (D) 1, 2 and 3 Ans. B

5. Recombinant DNA technology (Genetic Engineering) allows genes to be transferred 1. across different species of plants 2. from animals to plants 3. from microorganisms to higher organisms Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

6. The Chinese traveler Yuan Chwang (Hiuen Tsang) who visited India recorded the general conditions and culture of India at that time. In this context, which of the following statements is/are correct? 1. The roads and river-routes were completely immune from robbery. 2. As regards punishment for offences, ordeals by fire, water and poison were the instruments for determining the innocence or guilt of a person.


3. The tradesmen had to pay duties at ferries and barrier stations. Select the correct answer using the codes given below. 1. 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. B

7. Consider the following: 1. Star tortoise 2. Monitor lizard 3. Pygmy hog 4. Spider monkey Which of the above are naturally found in India? (A) 1, 2 and 3 only (B) 2 and 3 only (C) 1 and 4 only (D) 1, 2 and 3 and 4 Ans. A

8. Which of the following can be found as pollutants in the drinking water in some parts of India? 1. Arsenic 2. Sorbitol 3. Formaldehyde 4. Uranium Select the correct answer using the codes given below. (A) 1 and 3 only (B) 2, 4 and 5 only (C) 1, 3 and 5 only (D) 1, 2, 3, 4 and 5 Ans. C

9. With reference to Indian History, the Members of the Constituent Assembly from the Provinces were (A) directly elected by the people of those provinces (B) nominated by the Indian National Congress and the Muslim League (C) elected by the Provincial Legislative Assemblies (D) selected by the Government for their expertise in constitutional matters Ans. C

10. Consider the following animals 1. Sea cow 2. Sea horse 3. Sea lion Which of the above is/are mammal/mammals? (A) 1 only (B) 1 and 3 only (C) 2 and 3 only (D) 1, 2 and 3 Ans. B


11. Consider the following statements: 1. An amendment to the Constitution of India can be initiated by an introduction of a bill in the Lok Sabha only. 2. If such an amendment seeks to make changes in the federal character of the Constitution, the amendment also requires to be ratified by the Legislature of all the States of India. Which of the statements given above is/are correct? (A) 1 only (B) 2 only (C) Both 1 and 2 (D) Neither 1 nor 2 Ans. D

12. Consider the following statements: Attorney General of India can 1. take part in the proceedings of the Lok Sabha 2. be a member of a committee of the Lok Sabha 3. speak in the Lok Sabha 4. vote in the Lok Sabha Which of the statements given above is/are correct? (A) 1 only (B) 2 and 4 (C) 1, 2 and 3 (D) 1 and 3 only Ans. C

13. With reference to the usefulness of the by-products of sugar industry, which of the following statements is/are correct? 1. Bagasse can be used as biomass fuel for the generation of energy. 2. Molasses can be used as one of the feed stocks for the production of synthetic chemical fertilizers. 3. Molasses can be used for the production of ethanol. Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

14. Variations in the length of daytime and nighttime from season to season are due to (A) the earth’s rotation on its axis (B) the earth’s revolution round the sun in an elliptical manner (C) latitudinal position of the place (D) revolution of the earth on a tilted axis Ans. D

15. The Narmada river flows to the west, while most other large peninsular rivers flow to the east. Why? 1. It occupies a linear rift valley. 2. It flows between the Vindhyas and the Satpuras.


3. The land slopes to the west from central India. Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 (C) 1 and 3 (D) None Ans. A

16. On the planet earth, most of the freshwater exists as ice caps and glaciers. Out of the remaining freshwater, the largest proportion (A) is found in atmosphere as moisture and clouds (B) is found in freshwater lakes and rivers (C) exists as groundwater (D) exists as soil moisture Ans. C 17. Consider the following pairs: 1. Nokrek Bio-Sphere Reserve : Garo Hills 2. Logtak (Loktak) Lake : Barail Range 3. Namdapha National Park : Deafla Hills Which of the above pairs is/are correctly matched? (A) 1 only (B) 2 and 3 only (C) 1, 2 and 3 (D) None Ans. A

18. Consider the following: 1. Electromagnetic radiation 2. Geothermal energy 3. Gravitational force 4. Plate movements 5. Rotation of the earth 6. Revolution of the earth Which of the above are responsible for bringing dynamic changes in the surface of the earth? (A) 1, 2, 3 and 4 only (B) 1, 3, 5 and 6 only (C) 2, 4, 5 and 6 only (D) 1, 2, 3, 4, 5 and 6 Ans. C

19. Which of the following bodies does not/do not find mention in the Constitution? 1. National Development Council 2. Planning Commission 3. Zonal Councils Select the correct answer using the codes given below. (A) 1 and 2 only (B) 2 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D


20. The demand for the Tebhaga Peasant Movement in Bengal was for (A) the reduction of the share of the landlords from one-half of the crop to one-third (B) the grant of ownership of land to peasants as they were the actual cultivators of the land (C) the uprooting of zamindari system and the end of serfdom (D) writing off all peasant debts Ans. A

21. The Parliament can make any law for whole or any part of India for implementing international treaties (A) with the consent of all the states (B) with the consent of the majority of States (C) with the consent of the States concerned (D) without the consent of any State Ans. D

22. In the grasslands, trees do not replace the grasses as a part of an ecological succession because of (A) insects and fungi (B) limited sunlight and paucity of nutrients (C) water limits and fire (D) None of the above Ans. C

23. Which one of the following is the correct sequence of ecosystems in the order of decreasing productivity? (A) Oceans, lakes, grasslands, mangroves (B) Mangroves, oceans, grasslands, lakes (C) Mangroves, grasslands, lakes, oceans (D) Oceans, mangroves, lakes, grasslands Ans. C

24. Contour bunding is a method of conservation used in (A) desert margins, liable to strong wind action (B) low flat plains, close to stream courses, liable to flooding (C) scrublands, liable to spread of weed growth (D) None of the above Ans. B

25. The Government enacted the Panchayat Extension to Scheduled Areas (PESA) Act in 1996. Which one of the following is not identified as its objective? (A) To provide self-governance (B) To recognize traditional rights


(C) To create autonomous regions in tribal areas (D) To free tribal people from exploitation Ans. C

26. Under the Scheduled Tribes and Other Traditional Forest Dwellers [Recognition of Forest Rights] Act, 2006, who shall be the authority to initiate the process for determining the nature and extent of individual or community forest rights or both? (A) State Forest Department (B) District Collector/Deputy Commissioner (C) Tahsildar/Block Development Officer /Mandal Revenue Officer (D) Gram Sabha Ans. D

27. Improper handling and storage of cereal grains and oilseeds result in the production of toxins known as aflatoxins which are not generally destroyed by normal cooking process. Aflatoxins are produced by (A) bacteria (B) protozoa (C) moulds (D) viruses Ans. C

28. ‘Economic Justice’ as one of the objectives of the Indian Constitution has been provided in (A) the Preamble and the Fundamental Rights (B) the Preamble and the Directive Principles of State Policy (C) the Fundamental rights and the Directive Principles of State Policy (D) None of the above Ans. B

29. Due to improper/indiscriminate disposal of old and used computers or their parts, which of the following are released into the environment as e-waste? 1. Beryllium 2. Cadmium 3. Chromium 4. Heptachlor 5. Mercury 6. Lead 7. Plutonium Select the correct answer using codes given below. (A) 1, 3, 4, 6 and 7 only (B) 1, 2, 3, 5 and 6 only (C) 2, 4, 5 and 7 only (D) 1, 2, 3, 4, 5, 6 and 7 Ans. B

30. Acid rain is caused by the pollution of environment by (A) carbon dioxide and nitrogen (B) carbon monoxide and carbon dioxide (C) ozone and carbon dioxide (D) nitrous oxide and sulphur dioxide Ans. D


31. With reference to food chains. In ecosystems, consider the following statements: 1. A food chain illustrates the order in which a chain of organisms feed upon each other. 2. Food chains are found within the populations of a species. 3. A food chain illustrates the numbers of each organism which are eaten by others. Which of the statements given above is/are correct? (A) 1 only (B) 1 and 2 only (C) 1, 2 and 3 (D) None Ans. A

32. Consider the following pairs: National Park River flowing through the Park 1. Corbett National Park : Ganga 2. Kaziranga National Park : Manas 3. Silent Valley National Park : Kaveri Which of the above pairs is/are correctly matched? (A) 1 and 2 (B) 3 only (C) 1 and 3 (D) None Ans. D

33. Consider the following organisms: 1. Agaricus 2. Nostoc 3. spirogyra Which of the above is/are used as biofertilizer/biofertilizers? (A) 1 and 2 (B) 2 only (C) 2 and 3 (D) 3 only Ans. C

34. Which of the following adds/add nitrogen to the soil? 1. Excretion of urea by animals 2. Burning of coal by man 3. Death of vegetation Select the correct answer using the codes given below. (A) 1 only (2) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

35. In which of the following States is lion-tailed macaque found in its natural habitat? 1. Tamil Nadu 2. Kerala 3. Karnataka 4. Andhra Pradesh Select the correct answer using the codes given below. (A) 1, 2 and 3 only (B) 2 only (C) 1, 3 and 4 only (D) 1, 2, 3 and 4 Ans. A

36. Some Buddhist rock-cut caves are called Chaityas, while the others are called Viharas. What is the difference between the two?


(A) Vihara is a place of worship, while Chaitya is the dwelling place of the monks (B) Chaitya is a place of worship, while Vihara is the dwelling place of the monks (C) Chaitya is the stupa at the far end of the cave, while Vihara is the hall axial to it. (D) There is no material difference between the two Ans. B

37. Which one of the following describes best the concept of Nirvana in Buddhism? (A) The extinction of the flame of desire. (B) The complete annihilation of self. (C) A state of bliss and ret (D) A mental stage beyond all comprehension Ans. A

38. According to the Constitution of India, which of the following are fundamental for the governance of the country? (A) Fundamental Rights (B) Fundamental Duties (C) Directive Principles of State Policy (D) Fundamental Rights and Fundamental Duties Ans. C

39. The people of India agitated against the arrival of Simon Commission because (A) Indians never wanted the review of the working of the Act of 1919 (B) Simon Commission recommended the abolition of Darchy (Diarchy) in the Provinces (C) there was no Indian member in the Simon Commission (D) the Simon Commission suggested the partition of the country Ans. C

40. Quit India Movement was lunched in response to (A) Cabinet Mission plan (B) Cripps Proposals (C) Simon Commission Report (D) Wavell Plan Ans. B

41. The balance of payments of a country is a systematic record of (A) all import and export transactions of a country during a given period of time, normally a year (B) goods exported from a country during a year (C) economic transaction between the government of one country to another


(D) capital movements from one country to another Ans. A

42. The Reserve Bank of India regulates the commercial banks in matters of 1. liquidity of assets 2. branch expansion 3. merger of banks 4. winding-up of banks Select the correct answer using the codes given below. (A) 1 and 4 only (B) 2, 3 and 4 only (C) 1, 2 and 3 only (D) 1, 2, 3 and 4 Ans. D

43. An increase in the Bank Rate generally indicates that the (A) market rate of interest is likely to fall (B) Central Bank is no longer making loans to commercial banks (C) Central Bank is following an easy money policy (D) Central Bank is following a tight money policy Ans. D

44. In India, deficit financing is used for raising resources for (A) economic development (B) redemption of public debt (C) adjusting the balance of payments (D) reducing the foreign debt Ans. A

45. Which of the following characterizes/characterize the people of Indus Valley Civilization? 1. They possessed great palaces and temples. 2. They worshipped both male and female deities. 3. They employed horse-drawn chariots in warfare. Select the correct statement/statements using the codes given below. (A) 1 and 2 only (B) 2 only (C) 1, 2 and 3 (D) None of the statements given above is correct Ans. B

46. Which of the following diseases can be transmitted from one person to another through tattooing? 1. Chikungunya 2. Hepatitis B 3. HIV-AIDS Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only


(C) 1 and 3 only (D) 1, 2 and 3 Ans. B

47. Which of the following statements is/are applicable to Jain doctrine? 1. The surest way of annihilating Karma is to practice penance. 2. Every objects, even the smallest particle has a soul. 3. Karma is the bane of the soul and must be ended. Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D

48. Which one of the following terms describes not only the physical space occupied by an organism, but also its functional role in the community of organisms? (A) Ecotone (B) Ecological niche (C) Habitat (D) Home range Ans. B

49. Photochemical smong is a resultant of the reaction among. (A) NO2, O3 and peroxyacetyl nitrate in the presence of sunlight (B) CO, O2 and peroxyacetyl nitrate in the presence of sunlight (C) CO, CO2 and NO2 at low temperature (D) high concentration of NO2, O3 and CO in the evening Ans. A

50. Consider the following minerals: 1. Calcium 2. Iron 3. Sodium Which of the minerals given above is/are required by human body for the concentration of muscles? (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

51. Consider the following statements: The Parliamentary Committee on Public Accounts 1. consists of not more than 25 Members of the Lok Sabha 2. scrutinizes appropriation and finance accounts of the Government 3. examines the report of the Comptroller and Auditor General of India Which of the statements given above is / are correct? (A) 1 only (B) 2 and 3 only


(C) 3 only (D) 1, 2 and 3 Ans. B

52. Consider the following Bhakti Saints : 1. Dadu Dayal 2. Guru Nanak 3. Tyagaraja Who among the above was/were preaching when the Lodi dynasty fell and Babur look over? (A) 1 and 3 (B) 2 only (C) 2 and 3 (D) 1 and 2 Ans. B

53. With reference to the food chains in ecosystems, which of the following kinds of organism is / are known as decomposer organism / organisms? 1. Virus 2. Fungi 3. Bacteria Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. B

54. The most important fishing grounds of the world are found in the regions where (A) warm and cold atmospheric currents meet (B) rivers drain out large amounts of freshwater into the sea (C) warm and cold oceanic currents meet (D) continental shelf is undulating Ans. C

55. Which of the following is / are unique characteristic / characteristics of equatorial forests? 1. Presence of tall closely set trees with crowns forming a continuous canopy 2. Coexistence of a large number of species 3. Presence of numerous varieties of epiphytes Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D

56. Which of the following constitute Capital Account? 1. Foreign Loans 2. Foreign Direct Investment 3. Private Remittances 4. Portfolio Investment Select the correct answer using the codes given below.


(A) 1, 2 and 3 (B) 1, 2 and 4 (C) 2, 3 and 4 (D) 1, 3 and 4 Ans. B

57. Consider the following historical places: 1. Ajanta Caves 2. Lepakshi Temple 3. Sanchi Stupa Which of the above places is / are also known for mural paintings? (A) 1 only (B) 1 and 2 only (C) 1, 2 and 3 (D) None Ans. B

58. With reference to the history of philosophical thought in India, consider the following statements regarding Sankhya school : 1. Sankhya does not accept the theory of rebirth or transmigration of soul. 2. Sankhya holds that it is the self – knowledge the leads to liberation and not any exterior influence or agent. Which of the statements given above is / are correct? (A) 1 only (B) 2 only (C) Both 1 and 2 (D) Neither 1 nor 2 Ans. D

59. In the context of India, which of the following principles is / are implied institutionally in the parliamentary government? 1. Member of the Cabinet are Members of the Parliament. 2. Ministers hold the office till they enjoy confidence in the Parliament. 3. Cabinet is headed by the Head of the State. Select the correct answer using the codes given below. (A) 1 and 2 only (B) 3 only (C) 2 and 3 only (D) 1, 2 and 3 Ans. A

60. The annual range of temperature in the interior of the continents is high as compared to coastal areas. What is / are the reason / reasons? 1. Thermal difference between land and water 2. Variation in altitude between continents and oceans 3. Presence of strong winds in the interior 4. Heavy rains in the interior as compared to coasts Select the correct answer using the codes given below. (A) 1 only (B) 1 and 2 only (C) 2 and 3 only (D) 1, 2, 3 and 4


Ans. A

61. Which of the following is / are the characteristic / characteristics of Indian coal? 1. High ash content 2. Low sulphur content 3. Low ash fusion temperature Select the correct answer using the codes given below. (A) 1 and 2 only (B) 2 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. A

62. Which of the following statements regarding Iaterite soils of India are correct? 1. They are generally red is colour. 2. They are rich in nitrogen and potash. 3. They are well – developed is Rajasthan and UP. 4. Tapioca and cashew nuts grow well on these soils Select the correct answer using the codes given below. (A) 1, 2 and 3 (B) 2, 3 and 4 (C) 1 and 4 (D) 2 and 3 only Ans. C

63. Consider the following statements : 1. Natural gas occurs in the Gondwana beds. 2. Mica occurs in abundance in Kodarma. 3. Dharwars are famous for petroleum. Which of the statements given above is / are correct? (A) 1 and 2 (B) 2 only (C) 2 and 3 (D) None Ans. A

64. Consider the following crops : 1. Cotton 2. Groundnut 3. Rice 4. Wheat Which of these are Kharif crops? (A) 1 and 4 (B) 2 and 3 only (C) 1, 2 and 3 (D) 2, 3 and 4 Ans. C

65. Climate is extreme, rainfall is scanty and the people used to be nomadic herders. The above statement best describes which of the following regions? (A) African Savannah (B) Central Asian Steppe (C) North American Prairie (D) Siberian Tundra


Ans. D

66. Consider the following statements : 1. Inflation benefits the debtors. 2. Inflation benefits the bond – Which of the statements given above is / are correct? (A) 1 only (B) 2 only (C) Both 1 and 2 (D) Neither 1 nor 2 Ans. A

67. Disguised unemployment generally means (A) large number of people remain unemployed (B) alternative employment is not available (C) marginal productivity of labour is zero (D) productivity of workers is low Ans. C

68. Consider the following statements : 1. The council of Ministers in the Centre shall be collectively responsible to the Parliament. 2. The Union Ministers shall hold the office during the pleasure of the President of India. 3. The Prime Minister shall communicate to the President about the proposals for legislation. Which of the statements given above is / are correct? (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. B

69. Consider the following statements : 1. National Development Council is an organ of the Planning Commission. 2. The Economic and Social Planning is kept in the Concurrent List in the Constitution List in the Constitution of India. 3. The Constitution of India prescribes that Panchayats should be assigned the task of preparation of place for economic development and social justice. Which of the statements given above is / are correct? (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. B


70. Consider the following statements : 1. The Chairman and the Deputy Chairman of the Rajya Sabha are not the members of that House. 2. While the nominated members of the two Houses of the Parliament have no voting right in the presidential election, they have the right to vote in the election of the Vice President Which of the statements given above is / are correct? (A) 1 only (B) 2 only (C) Both 1 and 2 (D) Neither 1 nor 2 Ans. B

71. With reference to National Legal Services Authority, consider the following statements : 1. Its objective is to provide free and competent legal services to the weaker sections of the society on the basis of equal opportunity. 2. It issues guidelines for the State Legal Services Authorities to implement the legal programmes and schemes throughout the country. Which of the statements given above is / are correct? (A) 1 only (B) 2 only (C) Both 1 and 2 (D) Neither 1 nor 2 Ans. C

72. During a thunderstorm, the thunder in the skies is produced by the 1. meeting of cumulonimbus clouds in the sky 2. lightning that separates the minbus clouds 3. violent upward movement of air and water particles Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 (C) 1 and 3 (D) None of the above produces the thunder Ans. D

73. Consider the following pairs : Tribe State 1. Limboo (Limbu) : Sikkim 2. Karbi : Himachal 3. Dongaria Kondh : Odisha 4. Bonda : Tamil Nadu Which of the above pairs are correctly matched? (A) 1 and 3 only (B) 2 and 4 only (C) 1, 3 and 4 only (D) 1, 2, 3 and 4 Ans. A


74. Consider the following liquid assets : 1. Demand deposits with the banks 2. Time deposits with the banks 3. Savings deposits with the banks 4. Currency The correct sequence of these assets in the decreasing order of liquidity is (A) 1 – 4 – 3 – 2 (B) 4 – 3 – 2 – 1 (C) 2 – 3 – 1 – 4 (D) 4 – 1 – 3 – 2 Ans. D

75. In the context of Indian economy, ‘Open Market Operations’ refers to (A) borrowing by scheduled banks from the RBI (B) lending by commercial banks to industry and trade (C) purchase and sale of government securities by the RBI (D) None of the above Ans. C

76. Priority Sector Lending by Lending by banks in India constitutes the lending to (A) agriculture (B) micro and small enterprises (C) weaker sections (D) All of the above Ans. D

77. Which one among the following industries is the maximum consumer of water in India? (A) Engineering (B) Paper and pulp (C) Textiles (D) Thermal power Ans. D

78. To obtain full benefits of demographic dividend, what should India do? (A) Promoting skill development (B) Introducing more social security schemes (C) Reducing infant mortality rate (D) Privatization of higher education Ans. A

79. In the context of cultural history of India, a pose in dance and dramatics called Tribhanga’ has been a favourite of Indian artists from ancient times till today. Which only of the following statements beast describes this pose? (A) One leg is bent and the body is slightly but oppositely curved at waist and neck (B) Facial expressions, hand gestures and make – up are combined to symbolize certain epic or


historic characters (C) Movements of body, face and hands are used to express oneself or to tell s story (D) A little smile, slightly curved waist and certain hand gestures are emphasized to express the feelings of love or eroticism Ans. A

80. Annie Besant was 1. responsible for starting the Home Rule Movement 2. the founder of the Theosophical Society 3. once the President of the Indian National Congress Select the correct statement, statements using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

81. The Ilbert Bill controversy was related to the (A) imposition of certain restrictions to carry arms by the Indians (B) imposition of restriction on newspapers and magazines published in Indian languages (C) removal of disqualifications imposed on the Indian magistrates with regard to the trial of the Europeans (D) removal of a duty on imported cotton cloth Ans. C 82. A rise in general level of prices may be caused by 1. an increase in the money supply 2. a decrease in the aggregate level of output 3. an increase in the effective demand Select the correct answer using the codes given below. (A) 1 only (B) 1 and 2 only (C) 2 and 3 only (D) 1, 2 and 3 Ans. D

83. Which one of the following groups of items is included in India’s foreign – exchange reserves? (A) Foreign–currency assets Special drawing Rights (SDRs) and loans from for countries (B) Foreign–currency assets, gold holdings of the RBI and SDRs (C) Foreign–Currency assets, loans from the World Bank and SDRs (D) Foreign–currency assets, holdings of the RBI and loans from the World Bank Ans. B

84. Which one of the following is likely to be the most inflationary in its effect? (A) Repayment of public debt (B) Borrowing from the public finance a budget deficit


(C) Borrowing from banks finance a budget deficit (D) Creating new money to finance a budget deficit Ans. D 85. Supply of money remaining the same when there is an increase in demand for money, there will be (A) a fall in the level of prices (B) an increase in the rate of interest (C) a decrease in the rate interest (D) an increase in the level of income and employment Ans. B

86. Fruits stored in a cold chamber exhibit longer storage life because (A) exposure to sunlight is prevented (B) concentration of carbon dioxide in the environment is increased (C) rate of respiration is decreased (D) there is an increase in humidity Ans. C

87. Consider the following fauna of India : 1. Gharial 2. Leatherback turtle 3. Swamp deer Which of the above is / are endangered? (A) 1 and 2 only (B) 3 only (C) 1, 2 and 3 (D) None Ans. C

88. Ball bearings are used in bicycles, cars, etc., because (A) the actual area of contact between the wheel and axle is increased (B) the effective area of contact between the wheel and axle is increased (C) the effective area of contact between the wheel and axle is reduced (D) None of the above statements is correct Ans. C

89. Consider the following phenomena 1. Size of the sum at dusk 2. Colure of the sun at dawn 3. Moon being visible at dawn 4. Twinkle of stars in the sky 5. Polestar being visible in the sky Which of the above are optical illusions? (A) 1, 2 and 3 (B) 3, 4 and 5 (C) 1, 2 and 4 (D) 2, 3 and 5 Ans. C


90. Rainbow is produced when sunlight falls on drops of rain. Which of the following physical phenomena are responsible for this? 1. Dispersion 2. Refraction 3. Internal reflection Select the correct answer using the codes given below. (A) 1 and 2 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D

91. Many transplanted seedlings do not grow because (A) the new soil does not contain favourable minerals (B) most of the root hairs grip the new soil to hard (C) most of the root hairs are lost during transplantation (D) leaves get damaged during transplantation Ans. C

92. Economic growth in country X will necessarily have to occur if (A) there is technical progress in the world economy (B) there is population growth in X (C) there is capital formation in X (D) the volume of trade grows in the world economy Ans. C

93. Which of the following statements is/are correct? 1. Viruses lack enzymes necessary for the generation of energy. 2. Viruses can be cultured in any synthetic medium. 3. Viruses are transmitted from one organism to another by biological vectors only. Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. A

94. Which of the following leaf modifications occurs/occur in desert areas to inhibit water loss? 1. Hard and waxy leaves 2. Tiny leaves or no leaves 3. Thorns instead of leaves Select the correct answer using the codes given below. (A) 1 and 2 only (B) 2 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D


95. The known forces of natures can be divided into four classes, viz., gravity, electromagnetism, week nuclear force and strong nuclear force. With reference to them, which one of the following statements is not correct? (A) Gravity is the strongest of the four. (B) Electromagnetism acts only on particles with an electric charge. (C) Weak nuclear force causes radioactivity (D) Strong nuclear force holds protons and neutrons inside the nucleus of an atom. Ans. A

96. The efforts to detect the existence of Higgs boson particle have become frequent news in the recent past. What is/are the importance/importances of discovering this particle? 1. It will enable us to understand as to why elementary particles have mass. 2. It will enable us in the near future to develop the technology of transferring matter from one point to another without traversing the physical space between them. 3. It will enable us to create better fuels for nuclear fission. Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. A

97. Mycorrhizal biotechnology has been used in rehabilitating degraded sites because mycorrhiza enables the plants to 1. resist drought and increase absorptive area 2. tolerate extremes of pH 3. resist disease infestation Select the correct answer using the codes given below. (A) 1 only (B) 2 and 3 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. D

98. Who among the following constitute the National Development Council? 1. The Prime Minister 2. The Chairman, Finance Commission 3. Ministers of the Union Cabinet 4. Chief Ministers of the States Select the correct answer using the codes given below. (A) 1, 2 and 3 only (B) 1, 3 and 4 only (C) 2 and 4 only (D) 1, 2, 3 and 4 Ans. B

99. The national income of a country in a given period is equal to the (A) total value of goods services produced by nationals (B) sum of total consumption investment expenditure


(C) sum of personal income of individuals (D) money value of final goods services produced Ans. A

100. Which of the following grants direct credit assistance to the households? 1. Regional Rural Banks 2. National Bank for Agriculture and Rural Development 3. Land Development Banks Select the correct answer using codes given below. (A) 1 and 2 only (B) 2 only (C) 1 and 3 only (D) 1, 2 and 3 Ans. C

BANKING AWARENESS

1) Reserve Bank of India recently directed that banks should make all new ATMs

installed from July 1, 2014 as “talking ATMs” with ........ keypads? -Braille

2) Expand LAF? - Liquidity adjustment facility

3) What does 'M' in MSF stands for? - Marginal (MSF-Marginal Standing Facility)

4) What is the Minimum & Maximum Limit in NEFT? - No Limit

5) Expand RTGS? - Real time gross settlement

6) What is the Minimum & Maximum Limit of RTGS? - 2 lakh and no upper limit

7) Expand GAAR? - General anti avoidance rules



8) Who is the head of the committee appointed by RBI in Jan 2014 tp revise and

strengthen the Monetary Policy Framework? - Dr. Urjit Patel

9) 'Arundhati Battacharya' the chairperson of which bank? - State Bank of India and

It’s Associate

10) Which is the the oldest existing public sector bank in India? - Allahabad Bank

11) Which was the first bank to provide Mobile ATM in India? - ICICI

12) Which bank in India has the maximum number of overseas branches? - Bank of

Baroda

13) Which was the first bank in India to introduce Internet Banking? - ICICI Bank

14) 1 Rupee note in India is signed by? - Finance Secretary

15) Headquarter of Bank of International Settlement?- Switzerland

16) Yogakshemam Vahamyaham is the slogan of?- LIC

17) Currency of Cambodia?- Riel

18) How many digits are there in IFSC Code? - 11 digits

19) In which year State Bank of Travancore was established? - 1945

20) Which was the last associate bank merged with SBI in 2010?- State Bank of Indore

21) "The Nation Bank on us" is the slogan of? - SBI

22) Where is the headquarters of Punjab National Bank? - New Delhi

23) Bharatiya Mahila Bank was established on which date? - 19 November 2013

24) In which year Securities and Exchange Board of India (SEBI) was established?- 1988

25) What is the primary objective of 'Jan Dhan Yojana’ scheme launched by Prime

Minister Narendra Modi on 28 August 2014?- Financial Inclusion

Ques. : 1 The Supreme Court removed CBI director Ranjit Sinha from the investigation of which of the following cases on 20 Nov? 1) 2G spectrum allocation scam


2) Coal block allocation scam 3) Saradha chit fund scam 4) Ishrat Jahan encounter 5) None of these Answer:- 1) 2G spectrum allocation scam Ques. : 2 The Pradhan Mantri Jan Dhan Yojana has crossed 75 mn accounts achieving its target two months in advance. This plan offers a RuPay debit card with in-built accident insurance cover of 1) Rs 25,000 2) Rs 40,000 3) Rs 50,000 4) Rs 100,000 5) Rs 120,000 Answer:- 4) Rs 100,000 Ques. : 3 Who among the following will be the chief guest at the 2015 Republic Day celebrations in 2015? 1) David Cameron 2) Barack Obama 3) Stephen Harper 4) Tony Abbott 5) Vladimir Putin Answer:- 2) Barack Obama Ques. : 4 Who among the following has won the 2014 International Children's Peace Prize? 1) Neha Gupta 2) Francia Simon 3) Chaeli Mycroft 4) Malala Yousafzai 5) None of these Answer:- 1) Neha Gupta Ques. : 5 The TSR Subramanian committee, which has recommended some big-ticket changes to the rules and legislation, was constituted about three months ago to review laws related to 1) coal block e-auction 2) 2G spectrum auction 3) bringing back black money stashed abroad 4) environment and forest protection 5) None of these Answer:- 4) environment and forest protection Ques. : 6 The Time magazine has named which of the following technological feats of India among the best inventions of 2014? 1) Chandrayaan 2 2) Bio-toilets developed by DRDO 3) Mangalyaan 4) Rotavirus vaccine, Rotavac


5) None of these Answer:- 3) Mangalyaan Ques. : 7 The Defence Ministry is considering buying Pilatus PC-7 Mark II basic trainers from which of the following countries? 1) France 2) Brazil 3) UK 4) Switzerland 5) Japan Answer:- 4) Switzerland Ques. : 8 The Indian infra major GMR has claimed USD 803 mn (Rs 4,987 cr) from which of the following countries for terminating of an Airport contract? 1) Indonesia 2) Malaysia 3) Maldives 4) Sri Lanka 5) None of these Answer:- 3) Maldives Ques. : 9 The QE is an unconventional monetary policy used by central banks to stimulate the economy when standard monetary policy has become ineffective. QE stands for 1) Quantitative Easing 2) Qualitative Easing 3) Quantitative Effort 4) Qualitative Effort 5) None of these Answer:- 1) Quantitative Easing Ques. : 10 The govt on 20 Nov approved Rs 43,033-cr rural electrification scheme Deendayal Upadhyaya Gram Jyoti Yojana. This scheme will replace the existing 1) Indira Gandhi Grameen Vidyutikaran Yojana 2) Rajiv Gandhi Grameen Vidyutikaran Yojana 3) Jawaharlal Nehru Grameen Vidyutikaran Yojana 4) Lal Bahadur Shashtri Grameen Vidyutikaran Yojana 5) None of these Answer:- 2) Rajiv Gandhi Grameen Vidyutikaran Yojana

VOCABULARY

Word: Knack (Noun )


Definition: An acquired or natural skill at doing something.

Synonyms: Talent, Dexterity, Flair, Genius, Proficiency,Competance

Antonyms: Ineptness, Disinclination, Inability Example Sentence: Although she has a knack for portrait painting, she takes to it only when she is in a good mood.

Flags of Countries

1. Which country's flag has an AK-47 rifle on it # Mozambique 2. What county has its map on its flag # Cyprus 3. Which is the only country in the world to have a square flag # Switzerland 4. Which country's flag is the oldest in the world # Denmark (since 1219) 5. What country's flag uses a record 12 colors and the mahogany, which is their national tree # Belize 6. What country's flag has only one colour # Libya 7. What two countries have the same flag # Monaco and Indonesia 8. Which is the only country without a rectangular or square national flag # Nepal 9. What is the name of the British flag # Union Jack 10. The Chakra on the Indian Flag is in what colour # Navy Blue

General Awareness Questions :

•Which is the Regulatory body for RRB? - NABARD •Who is the author of God of small thing? Arundhati Roy •NPS stands for? National pension scheme •RBI policy related to money laundering? Know Your Customer •NBFC deals in? - providing banking services •What is the full form of PDF? Portable Document Format •Who won the Nobel piece award 2014? Kailash Satyarthi and Malala Yousafzay •Who belongs to tennis? options were - djokovic, federer, messi •When is world rabies day? 28th September •Interest on savings account is calculated on which basis? daily basis •In which of the following places there is no nuclear plant? - kenya •Mutual funds regulated by? - Securities and Exchange Board of India •What is ping in computer networking utility? - Packet InterNet Groper


•Processor speed measure in Instructions per second •Using two different brand names for a purpose of single product is called? Co-branding •One question on repo rate •What is the function of Ctrl + s in MS Word = to save file or document •Ping in computer used for •What does B stands for in ECB? - Borrowings •What is the full form of RRB? - Regional rural Bank •What is the upper limit of PPF? - 1.5 lakh •What is the oldest currency in the world? - Pound sterling •Which among the following is not an output device? - Scanner •Who is the author of the book Final Test: Exit Sachin Tendulkar? - Dilip D' Souza •What will Inflation result in? - Decrease in economic activities of a country •Which among the following is a volatile memory? - RAM •Question based on the definition of GNP (Gross National Product) •What is an Internet explorer? Browser •What is the extension used for MS word? - .doc,.docx •What is the first step of buying? - need recognition •In which of the following areas there is no 100% FDI in railways? - •Who is water resource minister? - Uma Bharti •The 5000 ₹ overdraft in Jan dhan will be applicable only if the account is active for how many months. •The slogan "I have a dream" is given by which American activist in his public speech? - Martin Luthor King •Which PSU is responsible for insurance over export? - Export Credit Insurance •Which is an insurance regulatory body- IRDA

**************************************************************

1.) YAHOO : Yet Another Hierarchical

Officious Oracle .

2.) WINDOW : Wide Interactive

Network Development for Office work

Solution

3.) COMPUTER : Common Oriented

Machine Particularly United and

used under Technical and

Educational Research.

4.) VIRUS : Vital Information

Resources Under Siege .

5.) UMTS : Universal Mobile

Telecommunications System .

6.) AMOLED: Active-matrix organic


light-emitting diode

7.) OLED : Organic light-emitting

diode

8.) IMEI: International Mobile

Equipment Identity .

9.) ESN: Electronic Serial Number .

10.) UPS: uninterrupted power

supply .

12). HDMI: High-Definition

Multimedia Interface

13.) VPN: virtual private network

14.) APN: Access Point Name

15.) SIM: Subscriber Identity Module

16.) LED: Light emitting diode.

17.) DLNA: Digital Living Network

Alliance

18.) RAM: Random access memory.

19.) ROM: Read only memory.

20) VGA: Video Graphics Array

21) QVGA: Quarter Video Graphics

Array

22) WVGA: Wide video graphics

array.

23) WXGA: Wide screen Extended

Graphics Array

24) USB: Universal serial Bus

25) WLAN: Wireless Local Area

Network

26.) PPI: Pixels Per Inch

27.) LCD: Liquid Crystal Display.

28.) HSDPA: High speed down-link

packet access.

29.) HSUPA: High-Speed Uplink

Packet Access

30.) HSPA: High Speed Packet Access

31.) GPRS: General Packet Radio

Service

32.) EDGE: Enhanced Data Rates for

Global Evolution

33.)NFC: Near field communication

34.) OTG: on-the-go

35.) S-LCD: Super Liquid Crystal


Display

36.) O.S: Operating system.

37.) SNS: Social network service

38.) H.S: HOTSPOT

39.) P.O.I: point of interest

40.)GPS: Global Positioning System

41.)DVD: Digital Video Disk / digital

versatile disc

42.)DTP: Desk top publishing.

43.) DNSE: Digital natural sound

engine .

44.) OVI: Ohio Video Intranet

45.)CDMA: Code Division Multiple

Access

46.) WCDMA: Wide-band Code

Division Multiple Access

47.)GSM: Global System for Mobile

Communications

48.)WI-FI: Wireless Fidelity

49.) DIVX: Digital internet video

access.

50.) .APK: authenticated public key.

51.) J2ME: java 2 micro edition

53.) DELL: Digital electronic link

library.

54.)ACER: Acquisition Collaboration

Experimentation Reflection

55.)RSS: Really simple syndication

56.) TFT: thin film transistor

57.) AMR: Adaptive Multi- Rate

58.) MPEG: moving pictures experts

group

59.)IVRS: Interactive Voice Response

System

60.) HP: Hewlett Packard

VOCABULARY

Word: Despondent (Adj )


Definition: In low spirits from loss of hope or courage

Synonyms: Morose, Forlorn, Dejected, Disheartened, Disconsolate Antonyms: Cheerful, Joyful, Encouraged Example Sentence: Whenever I feel despondent, I call my friends to make me smile.

Word: Umpteen (Adj )

Definition: Indefinitely many; a lot of

Synonyms: Countless, Innumerable, Numerous, Millions, Plentiful Antonyms: Limited, Scarce, Few Example Sentence: I have told her umpteen times not to leave her room dirty, but she won’t listen to me.

1. The Accidental Prime Minister: the making and unmaking of Manmohan Singh- Sanjaya Baru

2. Crusader or Conspirator? Coalgate and other Truths - PC Parakh

3. Hard Choices authored by Hillary Rodham Clinton

4. Author Rakhshanda Jalil on 11 March 2014 released a book titled A Rebel And Her Cause: Life and

Work.

5. The candidate was written by Indian Journalist Anirudh Bhattacharya.

6. Arctic Summer written by Novelist Damon Galgut

7. A book entitled A Stamp is Born authored by C. R. Pakrashi

8. A book My Years with Rajiv and Sonia written by R.D.Pradhan.

9. A book Post Haste: Quintessential India written by B.G. Verghese

10. Book entitled ‘India Junction – A Window to the Nation’ was released by Arunendra Kumar, the

Chairman of Railway Board.

11. Shekhar Gupta’s book entitled Anticipating India - The best of national interest was released.

12. Getting India Back on track-an action agenda for reform- edited by Bibek Debroy, Ashley Tellis &

Reece Trevor.

13. Biography of Dilip Kumar, entitled “The Substance and the Shadow” was released in Mumbai. The

biography has been penned by Uday Tara Nayar.


14. The book titled Warrior State: Pakistan in the Contemporary World- T V Paul

15.A Bad Character - Deepti Kapoor.

16. Blood Feud: The Clintons vs. the Obamas- Edward Klein

17. Pranab Mukherjee received first copy of a coffee-table book titled First Citizen: Pranab Mukherjee

in Rashtrapati Bhavan that was released. - Books & Authors ----

1. The Accidental Prime Minister: the making and unmaking of Manmohan Singh- Sanjaya Baru

2. Crusader or Conspirator? Coalgate and other Truths - PC Parakh

3. Hard Choices authored by Hillary Rodham Clinton

4. Author Rakhshanda Jalil on 11 March 2014 released a book titled A Rebel And Her Cause: Life and

Work.

5. The candidate was written by Indian Journalist Anirudh Bhattacharya.

6. Arctic Summer written by Novelist Damon Galgut

7. A book entitled A Stamp is Born authored by C. R. Pakrashi

8. A book My Years with Rajiv and Sonia written by R.D.Pradhan.

9. A book Post Haste: Quintessential India written by B.G. Verghese

10. Book entitled ‘India Junction – A Window to the Nation’ was released by Arunendra Kumar, the

Chairman of Railway Board.

11. Shekhar Gupta’s book entitled Anticipating India - The best of national interest was released.

12. Getting India Back on track-an action agenda for reform- edited by Bibek Debroy, Ashley Tellis &

Reece Trevor.

13. Biography of Dilip Kumar, entitled “The Substance and the Shadow” was released in Mumbai. The

biography has been penned by Uday Tara Nayar.

14. The book titled Warrior State: Pakistan in the Contemporary World- T V Paul

15.A Bad Character - Deepti Kapoor.

16. Blood Feud: The Clintons vs. the Obamas- Edward Klein

17. Pranab Mukherjee received first copy of a coffee-table book titled First Citizen: Pranab Mukherjee

in Rashtrapati Bhavan that was released.

1) Former Prime Minister of India Manmohan Singh on 3 November 2014 received the Japan’s top national award named? Ans. The Grand Cordon of the Order of the Paulownia Flowers 2014.


2) Name Sachin Tendulkar’s autobiography which was launched on 5 November 2014 in Mumbai? Ans. Playing It My Way

3) Prime Minister Narendra Modi on 5 November 2014 adopted which village in Varanasi (his constituency) under Saansad Adarsh Gram Yojana (SAGY)? Ans. Jayapur Village

4) Forbes list of the World's Most Powerful People 2014 was released on 5 November 2014. Who topped the list? Ans. Vladimir Putin, the Russian President. Note: Indian Prime Minister Narendra Modi made his debut in the world's most powerful people list ranked 15th.

5) Who was on 5 November 2014 appointed as the new chairperson of the Central Board of Direct Taxes (CBDT), the apex authority of the Income-Tax Department? Ans. Anita Kapur, the senior IRS officer

6) Which team won the 2014-15 Duleep Trophy cricket tournament on 2 November 2014? Ans. Central Zone Note: They won by defeating South Zone in the finals played at Feroz Shah Kotla Ground, Delhi with 9 runs.

7) Justice Mukul Mudgal Committee on 3 November 2014 submitted its final report on IPL Spot fixing to? Ans. Supreme Court of India

8) Which car's from India on 3 November 2014 failed the crash tests and got zero stars in safety rating for their adult occupant protection under the Global New Car Assessment Programme (NCAP)? Ans. Maruti’s Swift and Nissan’s Datsun GO

9) Who won LG People’s Choice Award 2014 on 5 November 2014? Ans. Bhuvneshwar Kumar Note: He is the third Indian player to win the coveted prize and overall fourth cricketer to win this prize.

10) Name the Italian physicist who was on 4 November 2014 appointed as first woman chief of CERN particle physics research centre? Ans. Fabiola Gianotti Note: She became the first woman to be put in charge of a top global scientific institution in the field.


11) Which city in India recorded the largest number of internet users in 2014 as per a study conducted by the Internet & Mobile Association of India (IAMAI) and released on 4 November 2014? Ans. Mumbai

12) Who was named as the captain of ICC ODI Team of the Year 2014 recently? Ans. Indian cricket captain Mahendra Singh Dhoni

13) Who was named as captain of the ICC Test Team of the Year 2014 on 5 November 2014? Ans. Angelo Mathews, the Sri Lankan cricket captain

14) Which tech giant on 3 November 2014 announced launch of Indian Language Internet Alliance (ILIA) in partnership with various content providers? Ans. Google India

15) Which company recently became the first listed Indian company among the 30 SENSEX firms to have more than 75 percent shareholding by Foreign Institutional Investors (FIIs)? Ans. HDFC

16) Commemorative Postage stamp on Liver Transplantation in India was released on 4 November 2014 by the Department of Posts. In which year the first successful liver transplantation in India was done? Ans. 1998

17) Which company completed the acquisition of Motorola Mobility from Google on 30 October 2014? Ans. Lenovo, the Chinese PC maker

18) Which player received his 2013-14 European Golden Boot award on 5 November 2014? Ans. Cristiano Ronaldo Note: Portuguese star was awarded for being joint top-goal scorer last season in Europe along with Luis Suarez, having hit 31 goals.

19) Largest wind turbine manufacturer Suzlon Energy on 6 November 2014 installed the world’s tallest hybrid wind generator turbine at? Ans. Kutch, Gujarat

20) Union Cabinet on 4 November 2014 approved dissolution of legislative assembly of which state? Ans. Delhi

21) Which telecom company on 5 November 2014 called off the 700 crore rupees deal with Loop Mobile? Ans. Airtel


22) India and which country on 7 November 2014 signed a Memorandum of Understanding (MoU) to develop Nalanda University in Bihar as an international centre of excellence? Ans. Bhutan

23) Who was on 5 November 2014 appointed as the Chief Financial Officer (CFO) of e-retailer Flipkart? Ans. Sanjay Baweja

24) National Cancer Awareness Day was recently observed on? Ans. 7 November 2014

25) Which airlines on 6 November 2014 banned shipment of shark fins and committed to protect marine ecosystem? Ans. Jet Airways

26) Who has resigned from the post of Goa Chief Minister on 8 November 2014? Ans. Gopalkrishna Prabhu Parrikar

27) Name the Veteran Bollywood actor who died on 3 November 2014 at Mumbai? Ans. Sadashiv Amrapurkar

28) Name the Hockey India President who on 2 November 2014 became a member of International Hockey Federation (FIH) Executive Board? Ans. Narinder Batra

29) Name the tallest building in the US which was reopened for business thirteen years after the original twin towers were destroyed in the 9/11 terrorist attack? Ans. World Trade Center

General Awareness Questions:

•Which is the Regulatory body for RRB? - NABARD

•Who is the author of God of small thing? Arundhati Roy •NPS stands for? National pension scheme •RBI policy related to money laundering? Know Your Customer •NBFC deals in? - providing banking services •What is the full form of PDF? Portable Document Format •Who won the Nobel piece award 2014? Kailash Satyarthi and Malala Yousafzay •Who belongs to tennis? options were - djokovic, federer, messi


•When is world rabies day? 28th September •Interest on savings account is calculated on which basis? daily basis •In which of the following places there is no nuclear plant? - kenya •Mutual funds regulated by? - Securities and Exchange Board of India •What is ping in computer networking utility? - Packet InterNet Groper •Processor speed measure in Instructions per second •Using two different brand names for a purpose of single product is called? Co-branding •One question on repo rate •What is the function of Ctrl + s in MS Word = to save file or document •Ping in computer used for •What does B stands for in ECB? - Borrowings •What is the full form of RRB? - Regional rural Bank •What is the upper limit of PPF? - 1.5 lakh •What is the oldest currency in the world? - Pound sterling •Which among the following is not an output device? - Scanner •Who is the author of the book Final Test: Exit Sachin Tendulkar? - Dilip D' Souza •What will Inflation result in? - Decrease in economic activities of a country •Which among the following is a volatile memory? - RAM •Question based on the definition of GNP (Gross National Product) •What is an Internet explorer? Browser •What is the extension used for MS word? - .doc,.docx •What is the first step of buying? - need recognition •In which of the following areas there is no 100% FDI in railways? - •Who is water resource minister? - Uma Bharti •The 5000 ₹ overdraft in Jan dhan will be applicable only if the account is active for how many months. •The slogan "I have a dream" is given by which American activist in his public speech? - Martin Luthor King •Which PSU is responsible for insurance over export? - Export Credit Insurance •Which is an insurance regulatory body- IRDA

Types Of ATM (you must know) ------------------------------------------------

1.On site ATM -within the premises of bank

2.Off site ATM - Outside the bank premises

3.White Label ATM - Provided by NBFC


4.Green Label ATM - Provided for Agricultural Transaction

5.Orange Label ATM - Provided for Share Transactions

6.Yellow Label ATM - provided for E-commerce

7.PINK label ATM---women banking

8.BROWN label ATM-- ATM are those Automated Teller Machines where hardware and the lease of the ATM machine is owned by a service provider--but cash management and connectivity to banking networks is provided by a sponsor bank .

Bidyut Halder

*******GA QUESTIONS******************

[1] Who signed a Memorandum of Understanding (MOU) with respect to cooperation on clean energy investment? Ans - Indian Renewable Energy Development Agency Ltd ( IREDA) and US Exim Bank [2] Who has been nominated as Director on the Central Board of Directors of RBI? Ans - Dr Hasmukh Adhia [3] Where was the International Buddhist Conference held? Ans - Lumbini, Nepal [4] Who has written the Book titled Truth Always Prevails? Ans - Sadruddin Hashwani [5] Who was conferred with the Sumitra Charat Ram Award for Lifetime Achievement? Ans - Veteran classical vocalist Pandit Jasraj

Most Important Full Forms of Computer Terminology

**********************************************************

1.) GOOGLE : Global Organization Of Oriented Group Language Of Earth .

2.) YAHOO : Yet Another Hierarchical Officious Oracle .

3.) WINDOW : Wide Interactive Network Development for Office work Solution

4.) COMPUTER : Common Oriented Machine Particularly United and used under Technical

and Educational Research.

5.) VIRUS : Vital Information Resources Under Siege .

6.) UMTS : Universal Mobile Telecommunications System .

7.) AMOLED: Active-matrix organic light-emitting diode

8.) OLED : Organic light-emitting diode

9.) IMEI: International Mobile Equipment Identity .


10.) ESN: Electronic Serial Number .

11.) UPS: uninterrupted power supply .

12). HDMI: High-Definition Multimedia Interface

13.) VPN: virtual private network

14.) APN: Access Point Name

15.) SIM: Subscriber Identity Module

16.) LED: Light emitting diode.

17.) DLNA: Digital Living Network Alliance

18.) RAM: Random access memory.

19.) ROM: Read only memory.

20) VGA: Video Graphics Array

21) QVGA: Quarter Video Graphics Array

22) WVGA: Wide video graphics array.

23) WXGA: Wide screen Extended Graphics Array

24) USB: Universal serial Bus

25) WLAN: Wireless Local Area Network

26.) PPI: Pixels Per Inch

27.) LCD: Liquid Crystal Display.

28.) HSDPA: High speed down-link packet access.

29.) HSUPA: High-Speed Uplink Packet Access

30.) HSPA: High Speed Packet Access

31.) GPRS: General Packet Radio Service

32.) EDGE: Enhanced Data Rates for Global Evolution

33.)NFC: Near field communication

34.) OTG: on-the-go

35.) S-LCD: Super Liquid Crystal Display

36.) O.S: Operating system.

37.) SNS: Social network service

38.) H.S: HOTSPOT

39.) P.O.I: point of interest

40.)GPS: Global Positioning System

41.)DVD: Digital Video Disk / digital versatile disc

42.)DTP: Desk top publishing.

43.) DNSE: Digital natural sound engine .

44.) OVI: Ohio Video Intranet

45.)CDMA: Code Division Multiple Access

46.) WCDMA: Wide-band Code Division Multiple Access

47.)GSM: Global System for Mobile Communications

48.)WI-FI: Wireless Fidelity

49.) DIVX: Digital internet video access.

50.) .APK: authenticated public key.

51.) J2ME: java 2 micro edition


53.) DELL: Digital electronic link library.

54.)ACER: Acquisition Collaboration Experimentation Reflection

55.)RSS: Really simple syndication

56.) TFT: thin film transistor

57.) AMR: Adaptive Multi- Rate

58.) MPEG: moving pictures experts group

59.)IVRS: Interactive Voice Response System

60.) HP: Hewlett Packard

Rivers

1. Which is the Longest River of Asia # Yangtze (China) 2. Which is the Longest River of Africa # Nile 3. Which is the Longest River of Europe # Volga 4. Which is the Longest River of Australia # Murray-Darling 5. Which is the Longest River of South America # Amazon 6. Which is the Longest River of North America # Missouri-Mississippi 7. Which is the Longest River of Russia # Ob (Siberia) 8. Which is the Longest River of India (Flow in India) # Ganga 9. Which is the Longest River of Sri Lanka # Mahaweli Ganga 10. According to the Guinness Book of World Records , which is the smallest river in the world # Roe River, USA

GA QUESTIONS

[1] Who signed a Memorandum of Understanding (MOU) with respect to cooperation on clean energy investment? Ans - Indian Renewable Energy Development Agency Ltd ( IREDA) and US Exim Bank

[2] Who has been nominated as Director on the Central Board of Directors of RBI? Ans - Dr Hasmukh Adhia

[3] Where was the International Buddhist Conference held? Ans - Lumbini, Nepal

[4] Who has written the Book titled Truth Always Prevails? Ans - Sadruddin Hashwani


[5] Who was conferred with the Sumitra Charat Ram Award for Lifetime Achievement? Ans - Veteran classical vocalist Pandit Jasraj

☼ Carlsen Won World Chess Championship.

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