Sunday, October 19, 2014

IBPS PO questions asked

General Awareness Questions:

1.    According to census 2011Lowest density state - Arunachal Pradesh

2.    Which country does not belong in European Union but use Euro as a currency - Vatican city

3.    Who won bronze medal in swimming: Sandeep Sejwal

4.    Jai hind slogan given by –  Subhash Chandra Bose

5.    Capital of Turkey: Ankara

6.    Max money that can remitted to Nepal from any of the NEFT-enabled branches in India – Rs 50,000

7.    In NSDL ,word ”S” stands for - National Securities Depository Limited 

8.    SBI tag line: Pure Banking Nothing Else

9.    Santi Swaroop Bhatnagar award in mathematic: Dr. Kaushal Kumar Verma

10.  Bank celebrate 150 years with Sri Lanka: SBI

11.  Cheque amount written is called exchange of notes done by customer

12.  Overnight money needed by bank from RBI on which rate bases: MSF

13.  Poverty elevation minster – Ramvilas Paswan

14.  CPI full form: Consumer Price Index

15.  Urban dev and Parliament minister: Venkaiah Naidu

Computer Questions 

1.    A card like a plastic credit card used for the expansion of computer capabilities is:expansion card/ pendrive etc.

2.     To view how a document appears in MS Office: print preview

3.    What is WINDOWS EXPLORER: File Manager

4.    Mouse behaves like, when it turns upside down - track ball

5.    Transfer of applications from memory to hard disk?

6.    When a computer is switched on, the first instruction performed by RAM is from: ROM

7.    Shifting from Windows 98 to windows XP is - upgrade

8.    A saved program stores in :hard disk

9.    The vertical lines on a product: barcode

10.  Palm operating device - PDA

11.  GUI (Graphic user Interface means) – user friendly

12.  Pass words are used for - unauthorized access in to the system

13.  Pass accessing - pass word rights/access rights

14.  Not a malware  - data spy

15.  The first part of the URL which is used for access in to the web - protocol

16.  In MS Word to reverse the action of UNDO - Redo

General Awareness Questions 

1.    Currency of Spain – Euro

2.    Jan Dhan Yojana Benefits – Overdraft Loan in Bank Account

3.    Foreign Institutional Investor – FII

4.    Writer of The Mother I Never Knew - Sudha Murthy

5.    L stands in SLR- liquidity

6.    Money laundering is done to- Avoid tax

7.    Abhinav Bindra wins Two Bronze & Retirement

8.    When did Manalapan reach Mars - 24 September 2014

9.    In how days KYC custom fill identity proof – 5 working days

10.  Nuku’alofa is the capital of – Tonga

11.  Nitin Gadkari related to which ministry - Transport

12.  Which Indian movie selected for  Oscar Award 2015  - Liar's Dice

13.  PPF limit change from 1 lakh to 1.5 lakh

14.  Largest hydroelectric power plant in India – Koyna

15.   Fusion points agreement 118 countries related to –

16.  What is 'M' in MIFF- Mumbai (MIFF- Mumbai International Film festival)

17.  Heidelberg Cement India': - Ashish Guha

18.  Mogadishu is the capital of – Somalia

19.  Basic saving bank deposit account maximum credit amount in a year – 1 lkh

20.  NIM full form- Net Interest Margin

21.  MTSS- Money Transfer Service Scheme

22.  kisan vikas patra was closed by govt. earlier why  - to avoid Money laundering activities

23.  Vishal Sikka is CMD of which company - Infosys

24.  One question on Negotiable Instruments Act, 1881

25.  Rbi issued the permission to Muthoot finance to set up - white label ATM

26.  SBI life insurance partnered with – BNP Paribas Cardif 

27.  Merchant payments in India is controlled by - SEBI

28.  According to census 2011 Every ____ in the world population is Indian.

29.  Who gave the principle of objects submerged partially or fully in water – Archimedes

Banking Awareness Quiz

1.    Interest payable on Savings bank account is :
(1) not regulated by RBI
(2) regulated by State Govt
(3) regulated by Central Govt
(4) regulated by individual banks
(5) None of these

2.    Money lend for 15 days or more inter-bank is called:
(1) Call money                 
(2) notice money
(3) term money                
(4) All of these
(5) None of these

3.    The Statutory Liquidity Ratio (SLR), the amount of liquid assets such as cash, precious metals and other short-term securities are kept with:
(1) RBI                             
(2) Individual banks          
(3) Finance Ministry         
(4) A bank designated by RBI
(5) None of these

4.    The rate of interest, banks charge to its main/major and prime; customers is popularly called as
1) Prime Lending Rate     
2) Repo Rate 
3) Cost of Fund                
4) Risk Premium  
5) Reverse Repo Rate

5.    Micro Credit or Micro finance is a novel approach to banking with the poor. In this approach bank credit is extended to the poor through-
(1) Self Help Groups                                            
(2) Anganwadees
(3) Cooperative Credit Societies             
(4) RBI                             
(5) None of these

6.    Fiscal Responsibility and Budget Management Act (FRBM) concerns:
I. Fiscal Deficit                             
II. Balance of Payment                
III. Revenue Deficit
(1) Only I                          
(2) Only II                         
(3) I & II                            
(4) I & III                           
(5) All of these

7.    Which of the following cannot be called as a Debt Instrument as referred in financial transactions?
(1) Certificate of Deposits          
(2) Bonds
(3) Stocks                                   
(4) Commercial Paper
(5) Loans

8.    Whenever RBI does some open market operation transactions actually it wishes to regulate which of the following?
(1) Inflation only
(2) Liquidity in economy
(3) Borrowing powers of the banks
(4) Flow of Foreign Direct Investment
(5) None of these

9.    Expand the term LRMT?
(1) Liquidity Risk Monitoring Tools
(2) Liquidity Ratio Monitoring Tools
(3) Liquidity Rate Monetary Tools
(4) Liquidity Ratio Monetary tools
(5) None of these

10.  Bank assurance is –
(1) an insurance scheme to insure bank deposits.
(2) an insurance scheme exclusively for the employees of banks
(3) a composite financial service offering both bank & insurance products
(4) a bank deposit scheme exclusively for employees
(5) None of these

11.  The objective of Know Your Customer (KYC) norms is?
(1) To give boost to bank deposits                                             
(2) To safeguard bank advances
(3) To monitor transactions of suspicious nature            
(4) Both 1 and 2
(5) None  of these

12.  Recently RBI has issued draft guidelines for setting up small banks and payment banks. The minimum paid-up capital requirement of both payments banks and small banks is 
(1) Rs. 50 crore                            
(2) Rs. 20 crore                
(3) Rs. 100 crore
(4) Rs. 40 crore                            
(5) Rs. 500 crore

13.  Max money that can remitted to Nepal from any of the NEFT-enabled branches in India – 
(1) Rs 50,000                               
(2) Rs 10,000                   
(3) Rs 20,000
(4) Rs 25,000                               
(5) Rs 5000

14.  The letter ‘F’ denotes which of the following in the term IFRS.
(1) Formative                   
(2) Formal
(3) Functional                   
(4) Fiscal
(5) Financial

15.  Which of the following rates is not decided by RBI?
(1) Bank Rate                  
(2) Repo Rate
(3) Reverse Repo rate     
(4) Prime Lending Rate
(5) Cash Reserve Ratio

16.  Consider the following in context with the CVV or Card security code of an ATM or Credit card:
(A) Magnetic Stripe
(B) Front of the in embossed or printed digits
(C) Back of the card as a separate group of 3 digits to the right of the signature strip.
At which among the above locations CVV or Card security code of an ATM is found?
(1) A & B
(2) B & C
(3) A & C
(4) All of the above
(5) None of these



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Saturday, October 18, 2014


Kailash Satyarthi has devoted over 30 years to battling the odds in order toliberate millions of children in India and outside from bondage. Yet he is little known outside of his small circle in his own country. He has gone largely unnoticed and unrecognised by our media. Now, after winning the Nobel Peace Prize [alongwith Pakistan’s Malala Yousafzai] , he is likely to be hailed as a hero for his work in India. The causes that he has worked for will receive huge media attention, albeit for a short time, and he will become a celebrity. This will not be the first time India recognises one of its own after he/she receives international fame. Yet it is because of the very nature of the causes that he has espoused and advocated that he finds himself on the margins, receiving little empathy and support from India’s ruling class.
Not long ago, the Ministry of Human Resource Development (MHRD) considered him persona non grata even though he was the first chair of the newly formed alliance for promoting Education for All (EFA), namely the Global Campaign for Education (GCE). In that capacity, we at UNESCO regularly invited him to high-level meetings on EFA to represent civil society. We valued his contributions, which consistently brought to light the educational neglect of working children and called upon developing countries and the international community to fulfil the pledges and promises made at the World Education Forum at Dakar in April 2000.
Hence we were aghast when the leader of the Indian delegation to the Working Group on EFA, a Secretary-level officer in the MHRD, made an informal request to exclude him from future meetings convened by UNESCO on EFA for reasons which were not specified. Despite our politely declining the request on the grounds that Mr. Satyarthi was invited in his capacity as chair of the GCE and that his nationality was merely coincidental, the Indian side persisted and had its way.
Denying child labour
One can understand the sensitivity of the establishment to issues related to child labour and bondage in contemporary India, and the unflagging attention brought to them by the dedicated work of persons like Mr. Satyarthi and others, often in ways that are perceived to be confrontational and uncomfortable by the powers that be. However, it is more difficult to fathom the reasons behind the persistent denial and defensiveness of bureaucrats on issues related to child labour in India, including by official delegations to the United Nations, in the face of overwhelming evidence of its widespread prevalence in different parts of the country. One does not have to stay for more than a day in any Indian city to see the number of unprotected children working on the streets, on the pavements, and helping out at dhabas, auto repair shops, godowns, etc., and even working as domestic help during school hours. In fact this is such a common sight that it hardly troubles our conscience anymore. It is another matter that it constitutes a serious violation of their fundamental right to education.
According to the International Labour Organization (ILO), India is one of the countries with the largest proportion of working schoolchildren in the age cohort of 6-14 years who are still out of school. This is despite a noticeable drop in the number of out-of-school children over the last decade, an effort assisted in part by government-led and ILO and civil society-supported programmes on provision of education to child labour in the worse affected districts.
 It is difficult to fathom the reasons behind the persistent denial and defensiveness of bureaucrats on child labour in India 
Back in 1991, the renowned American political scientist Myron Wiener shook the establishment in India by arguing in his book The Child and the State in Indiathat the problem of child labour had not been addressed squarely due to the caste-oriented and elitist orientation of Indian officialdom. Unlike most other developing countries which had made considerable progress in universalising primary education, officials in India had been reluctant to enact and enforce provisions for free and compulsory education. They sought to make the case that in India, child labour was important to sustain traditional occupations such as carpet weaving and crafts that involved transfer of skills to younger generations.
Not doing enough

They believed that the prevalence of widespread and deep poverty made it incumbent on children to work as extra hands that provided additional income for survival of the poorest households. On the contrary, I have heard Mr. Satyarthi argue persuasively that this is a myth perpetuated by vested interests benefitting from employing child labour at low wages. He has marshalled facts and figures to show that the extent of unemployment of able-bodied adults in India is directly related to the number of children employed below the statutorily permissible age of 16 years. Despite the amendment of the Constitution in 2002 to make elementary education free and compulsory and the consequent enactment of the Right to Education in 2009, it would be hard to deny that the employment, abuse and exploitation of children on a large scale prevents their schooling and impedes their growth. Not enough has been done to raise awareness to counter mindsets that allow such a situation to continue or to bring the perpetrators and their patrons to book.
Individuals like Mr. Satyarthi continue to risk their life and limb to confront capricious employers who deprive innocent and vulnerable children of their life chances and their dignity. They also free them from long years of bondage and servitude and seek to educate them. Listening to him over the years at UNESCO has been an inspiration, especially when he speaks of heartrending stories of children from different parts of the world, saved from misery and destitution by the work of courageous individuals and organisations like Bachpan Bachao Andolan.
In these circumstances it should be no surprise that he will not win any popularity contest back home, particularly among those who indulge in such unethical and illegal practices, and those in officialdom who either collude with the perpetrators or are indifferent to the plight of the affected children. In the euphoria and the pride that will inevitably accompany the conferment of the Nobel Peace Prize on him, we would do well to internalise the true meaning and significance of Mr. Satyarthi’s work and emulate his actions as a nation. His message is that of hope, persistence and optimism against seemingly insurmountable odds to save, protect and reinvent the blighted lives of children around the world.
(Abhimanyu Singh is Director and Representative, UNESCO, East Asia. From 2001-2006 he was Director of the Division of International Coordination and Monitoring for Education for All at UNESCO Headquarters, Paris. The views expressed are his and not those of any organisation including UNESCO or the Government of India.)

THE HINDU EDITORIAL--Some relief for Jayalalithaa

In many examinations The Hindu Editorial is used for comprehension questions.  

The logic of granting bail post-conviction and pending appeal is that were the appellate court to overturn the verdict, an innocent person who is not expected to flee justice would have been kept in prison unfairly during the period of hearing of the appeal. The Supreme Court, while granting interim bail to former Tamil Nadu Chief Minister Jayalalithaa, has also made the point about the speedy disposal of the appeal and taken care to obtain an assurance that she would not seek adjournment of her appeal in the Karnataka High Court. The apex court also required the High Court to dispose of the appeal within three months, again underscoring the importance of speedy redress. Indeed, Chief Justice H.L. Dattu specifically referred to the past conduct of Ms. Jayalalithaa in prolonging the trial for 18 years. Evidently, the court did not want to be seen as being lenient on an issue of corruption involving public servants while allowing her bail. This was especially so since the High Court, while denying her bail, had cited the Supreme Court’s own observations, in a different context, of corruption as a violation of human rights. The grant of bail was not meant to take away from the seriousness of the charges for which she was convicted by the trial court. Now that the trial is over, the question of influencing witnesses or tampering with the evidence did not arise, and bail suggested itself, especially in the context of the Special Public Prosecutor, Bhavani Singh, not having raised any objection in the High Court.
While bail is no doubt a matter of great relief for Ms. Jayalalithaa, this is but one step in the long haul ahead. The legal battle is far from over, and one way she can return as Chief Minister is with the High Court staying her conviction — an unlikely prospect in the immediate future. Actually, her best chance for a quick return to public office would be not through a stay of conviction, but via a reversal of her conviction on appeal in the High Court. Once back in Chennai, Ms. Jayalalithaa can be expected to take on an advisory role for the AIADMK government and restore some of its lost energy. Although the law and order situation did not spiral out of control in Tamil Nadu during protests against her conviction, the administration seemed paralysed by Ms. Jayalalithaa’s legal troubles. She must desist from functioning as an extra-constitutional authority interfering in the administration, and instead find for herself a role as an interface between the party and the government in policy formulations. Chief Minister O. Panneerselvam quite clearly is looking for political guidance from his party leader, and Ms. Jayalalithaa can surely help — without breaching the bounds of constitutional propriety.

Tuesday, October 14, 2014

DLF shares tank 28%, loses Rs. 7439 cr after Sebi ban

Shares of realty giant DLF Tuesday  fell sharply by over 28 per cent, wiping-out Rs. 7,439 crore from its market valuation, after Sebi imposed a three-year ban on the company and its top executives from securities markets.

After falling 29.99% to Rs. 102.70 -- its lifetime low on the BSE in intra-day trade, DLF shares finally ended at Rs.104.95, down 28.46%
At the NSE, the stock plunged 27.98 per cent to settle at Rs. 105.80.
DLF was the worst performer among the 50-bluechip Nifty scrips.
The carnage in DLF shares led to Rs. 7,438.67 crore-loss in the company's market valuation which stood at Rs.18,701.33 crore at the end of trade on Tuesday.

On the volume front, 168.10 lakh shares of the company changed hands at the BSE, while over 8 crore shares were traded at the NSE during the day.
The fall in shares came the day after Sebi  barred DLF as well as its six top executives, including chairman and main promoter K P Singh, from the securities market for 3 years for "active and deliberate suppression" of material information at the time of its IPO.
Besides K P Singh, those barred from the markets include his son Rajiv Singh (Vice Chairman), daughter Pia Singh (Whole Time Director), Managing Director T C Goyal, former CFO Ramesh Sanka and Kameshwar Swarup, who was ED-Legal at the time of the company's public offer in 2007.
Meanwhile DLF said it will defend itself against the order passed by regulator SEBI barring the company from tapping the capital markets for three years.
The company said it did not act in contravention of the law "either during its initial public offer or otherwise".
"DLF has full faith in the judicial process and is confident of vindication of its stand in the near future," the company said in a statement.
The stock had fallen by nearly 4% on Monday too.
The company said that the order, dated October 10, came to its notice only yesterday and same was being reviewed by DLF and its legal advisors.
After its over four-year-long probe, Sebi found that a "case of active and deliberate suppression of any material information so as to mislead and defraud the investors in the securities market in connection with the issue of shares of DLF in its IPO is clearly made out in this case."
In his 43-page order, Sebi's Whole-Time Member Rajeev Agarwal also said that violations are grave and have larger implications on safety and integrity of the securities market.
While the regulator has not imposed any monetary penalty, the prohibition order would bar DLF and the six persons, from any sale, purchase or any other dealings in securities markets for a period of three years, including for raising funds.
 DLF had debt of more than Rs. 19,000 crore as on June 30, 2014, while its already-proposed fund raising plans include nearly Rs. 3,500 crore through issue of certain bonds to lower its debt burden.
This is one of the rare orders by Sebi where it has barred a blue-chip firm and its top promoter/executives.

Sebi's order can be challenged at Securities Appellate Tribunal.
DLF is the largest real estate group in the country with nearly Rs. 10,000 crore annual turnover and market value of over Rs. 26,000 crore. Its market cap had crossed Rs. one lakh crore mark soon after its listing in 2007, but fell later.

DLF's IPO in 2007 had fetched Rs. 9,187 crore -- the biggest IPO in the country at that time.



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