IBPS PO Prelims Full Mock Test 2

1. The RBI raises the repo rate. The likely effect on bank lending rates is:

• A. Lending becomes cheaper
• B. Lending becomes costlier (Correct)
• C. No change
• D. Banks stop lending

Explanation: Higher repo rate raises banks’ cost of funds, so lending rates rise.

2. An NPA is a loan where repayment has been overdue for more than:

• A. 30 days
• B. 60 days
• C. 90 days (Correct)
• D. 180 days

Explanation: RBI classifies a loan as NPA if overdue for 90 days.

3. The government launched a scheme to __ financial inclusion.

• A. promote (Correct)
• B. promotes
• C. promoted
• D. promoting

Explanation: After ‘to’, use base verb.

4. Jan Dhan accounts are __ to enable basic banking access.

• A. design
• B. designed (Correct)
• C. designing
• D. designs

Explanation: Passive: are + past participle.

5. The MUDRA scheme provides __ to micro enterprises.

• A. loans (Correct)
• B. loan
• C. loaned
• D. loanable

Explanation: Plural noun after ‘provides’.

6. Digital payments have __ the need for physical bank visits.

• A. reduced (Correct)
• B. reduce
• C. reduces
• D. reducing

Explanation: Present perfect: have + past participle.

7. Inflation __ when money supply grows faster than output.

• A. rises (Correct)
• B. rise
• C. rising
• D. rose

Explanation: Inflation is singular: rises.

8. The bank have already sanctioned the loan.

• A. The bank
• B. have already (Correct)
• C. sanctioned the loan
• D. No error

Explanation: Bank is singular: has already.

9. Neither the manager nor the clerks was present.

• A. Neither the manager
• B. nor the clerks
• C. was present (Correct)
• D. No error

Explanation: Nearest subject clerks is plural: were present.

10. The interest amount have been credited to your account.

• A. The interest amount
• B. have been credited (Correct)
• C. to your account
• D. No error

Explanation: Amount is singular: has been credited.

11. Improve: The committee has took their decision.

• A. has taken their decision
• B. has took its decision
• C. has taken its decision (Correct)
• D. No improvement

Explanation: Use past participle taken; committee = singular = its.

12. Improve: She is more better than her colleague.

• A. more good than
• B. better than (Correct)
• C. more better as
• D. No improvement

Explanation: Better is already comparative; ‘more’ is redundant.

13. The __ of digital banking has revolutionised transactions.

• A. rising
• B. rise (Correct)
• C. risen
• D. raised

Explanation: 'The rise of' — noun form.

14. Customers must __ their KYC before availing the service.

• A. complete (Correct)
• B. completed
• C. completing
• D. completes

Explanation: Modal must + base verb.

15. (A) which aims to provide credit (B) The PM SVANidhi scheme (C) to street vendors (D) was launched in 2020.

• A. BADC
• B. BDAC
• C. BACD (Correct)
• D. ABCD

Explanation: B-A-C-D: The PM SVANidhi scheme which aims to provide credit to street vendors was launched in 2020.

16. (A) at competitive rates (B) banks are mandated (C) to lend a portion (D) of their credit to priority sectors.

• A. BCDA (Correct)
• B. BDCA
• C. BCAD
• D. ABCD

Explanation: BCDA: banks are mandated to lend a portion of their credit to priority sectors at competitive rates.

17. Synonym of STRINGENT:

• A. Strict (Correct)
• B. Flexible
• C. Lenient
• D. Moderate

Explanation: Stringent means strict or severe.

18. Antonym of SOLVENT:

• A. Liquid
• B. Insolvent (Correct)
• C. Creditor
• D. Surplus

Explanation: Solvent = able to pay; insolvent = unable.

19. 'In the pipeline' means:

• A. Already rejected
• B. Being planned or developed (Correct)
• C. Fully operational
• D. Officially cancelled

Explanation: Means in the process of being completed.

20. 'Moratorium' in loan context:

• A. Permanent waiver
• B. Temporary pause in repayment (Correct)
• C. Extra penalty
• D. Loan rejection

Explanation: Sanctioned delay in repayment.

21. Synonym of LIQUIDITY:

• A. Profitability
• B. Solvency
• C. Availability of cash (Correct)
• D. Long-term debt

Explanation: Liquidity = how easily assets convert to cash.

22. This is one of the best decisions that __ ever been made.

• A. have (Correct)
• B. has
• C. had
• D. is

Explanation: Antecedent is 'decisions' (plural): have.

23. RTGS is used for:

• A. Real-time high-value fund transfers (Correct)
• B. ATM cash withdrawal
• C. Credit card billing
• D. Loan application

Explanation: RTGS = Real Time Gross Settlement for large immediate transfers.

24. NEFT stands for:

• A. National Electronic Funds Transfer (Correct)
• B. National Equity Fund Transaction
• C. Net Electronic Funds Transfer
• D. None of these

Explanation: NEFT enables batch-wise fund transfers.

25. A cheque returned due to insufficient funds is called:

• A. Bounced cheque (Correct)
• B. Pay order
• C. Demand draft
• D. Bank guarantee

Explanation: A bounced cheque is returned unpaid due to insufficient balance.

26. Amalgamation means:

• A. Separation of companies
• B. Merging of two entities (Correct)
• C. Stock listing
• D. Loan restructuring

Explanation: Amalgamation = combination of two or more companies.

27. The customers __ waiting for the manager to return.

• A. is
• B. are (Correct)
• C. was
• D. has

Explanation: Customers is plural: are.

28. 'Red tape' means:

• A. Excess bureaucracy (Correct)
• B. Urgent action
• C. Financial profit
• D. Legal penalty

Explanation: Excessive official rules that cause delay.

29. Correct sentence:

• A. Each of the applicants were selected
• B. Each of the applicants was selected (Correct)
• C. Each of the applicants have selected
• D. Each of the applicants are selected

Explanation: Each = singular verb.

30. Debenture holders are:

• A. Equity shareholders
• B. Owners of the company
• C. Creditors of the company (Correct)
• D. Board of directors

Explanation: Debenture holders lend money — they are creditors, not owners.

31. Rs 3,600 is divided in ratio 5:7. Larger share?

• A. Rs 1,800
• B. Rs 2,100 (Correct)
• C. Rs 2,400
• D. Rs 3,600

Explanation: Total parts = 12; larger share = 7 parts = 2100.

32. Average of 11 values is 36. Find the sum.

• A. 360
• B. 396 (Correct)
• C. 432
• D. 468

Explanation: Sum = average x count = 36 x 11 = 396.

33. Find SI on Rs 2,000 at 10% for 2 years.

• A. Rs 300
• B. Rs 350
• C. Rs 400 (Correct)
• D. Rs 500

Explanation: SI = PRT/100 = 2000 x 10 x 2/100 = 400.

34. Convert 54 km/h into m/s.

• A. 10 m/s
• B. 15 m/s (Correct)
• C. 20 m/s
• D. 25 m/s

Explanation: 54 x 5/18 = 15.

35. Find HCF of 72 and 96.

• A. 20
• B. 24 (Correct)
• C. 28
• D. 32

Explanation: Greatest common factor is 24.

36. Find LCM of 10 and 14.

• A. 60
• B. 70 (Correct)
• C. 84
• D. 140

Explanation: Smallest common multiple is 70.

37. A completes a work in 12 days and B in 18 days. Find their time working together.

• A. 6.2 days
• B. 7.2 days (Correct)
• C. 8.2 days
• D. 9.2 days

Explanation: Together time = ab/(a+b) = 12 x 18/30 = 7.2 days.

38. A 240 m train crosses a pole in 12 seconds. Find its speed.

• A. 54 km/h
• B. 72 km/h (Correct)
• C. 90 km/h
• D. 108 km/h

Explanation: Speed = 240/12 = 20 m/s; multiplying by 18/5 gives 72 km/h.

39. Find CI on Rs 5,000 at 8% per annum for 2 years.

• A. Rs 732
• B. Rs 782
• C. Rs 832 (Correct)
• D. Rs 932

Explanation: Amount = 5000(1+8/100)^2 ≈ 5832; CI = 5832 - 5000 = 832.

40. A value of 1000 increases by 30% and then decreases by 15%. Find the final value.

• A. 1085
• B. 1095
• C. 1105 (Correct)
• D. 1115

Explanation: Final value = 1000 x 130/100 x 85/100 = 1105.

41. Marked price is Rs 5,000 and discount is 14%. Find the selling price.

• A. Rs 4,200
• B. Rs 4,250
• C. Rs 4,300 (Correct)
• D. Rs 4,400

Explanation: Selling price = 5000 x 86/100 = 4300.

42. Milk and water are in ratio 6:3 in a 90 L mixture. Find the milk quantity.

• A. 50 L
• B. 60 L (Correct)
• C. 70 L
• D. 90 L

Explanation: Milk = 6/9 x 90 = 60 L.

43. Out of 800 applicants, 35% cleared prelims. How many cleared?

• A. 260
• B. 270
• C. 280 (Correct)
• D. 290

Explanation: 35% of 800 = 280.

44. Average of 20 employees is 30. One new employee with value 51 joins. New average?

• A. 30.5
• B. 31 (Correct)
• C. 31.5
• D. 32

Explanation: New average = (20 x 30 + 51)/21 = 31.

45. Boat speed in still water is 12 km/h and stream is 3 km/h. Downstream speed?

• A. 9 km/h
• B. 12 km/h
• C. 15 km/h (Correct)
• D. 18 km/h

Explanation: Downstream speed = boat + stream = 15.

46. Simplify: 150 + 120 − 50.

• A. 200
• B. 210
• C. 220 (Correct)
• D. 230

Explanation: 150 + 120 = 270; 270 − 50 = 220.

47. A invests Rs 6,000 and B invests Rs 4,000. Total profit Rs 800. A's share?

• A. Rs 430
• B. Rs 480 (Correct)
• C. Rs 530
• D. Rs 320

Explanation: A:B = 6000:4000; A's share = 6000/(6000+4000) × 800 = 480.

48. Find CI on Rs 3,000 at 12% per annum for 2 years.

• A. Rs 663
• B. Rs 713
• C. Rs 763 (Correct)
• D. Rs 863

Explanation: A = P(1+r/100)^2 = 3000×(1+12/100)^2 ≈ 3763; CI = 3763 − 3000 = 763.

49. Pipe A fills a tank in 14 hrs; pipe B empties it in 20 hrs. Both open — time to fill?

• A. 41 hrs
• B. 44 hrs
• C. 47 hrs (Correct)
• D. 53 hrs

Explanation: Net rate = 1/14 − 1/20; time = 14×20/(20−14) = 47 hrs.

50. A box has 8 balls; 4 are red. What is the probability of selecting a red ball?

• A. 3/8
• B. 4/8 (Correct)
• C. 5/8
• D. 6/8

Explanation: Probability = favourable outcomes / total outcomes = 4/8.

51. CP = Rs 200, profit = 30%. Find SP.

• A. Rs 210
• B. Rs 260 (Correct)
• C. Rs 310
• D. Rs 360

Explanation: SP = CP×(100+profit)/100 = 200×130/100 = 260.

52. IBPS PO: Find 16% of 700.

• A. 102
• B. 112 (Correct)
• C. 122
• D. 132

Explanation: 700 x 16/100 = 112.

53. Cost price is Rs 1,000. Selling price for 12.5% profit is:

• A. Rs 1,075
• B. Rs 1,125 (Correct)
• C. Rs 1,175
• D. Rs 1,225

Explanation: 12.5% = 1/8, so SP = CP x 9/8 = 1125.

54. Rs 2,500 is divided in ratio 4:6. Larger share?

• A. Rs 1,250
• B. Rs 1,500 (Correct)
• C. Rs 1,750
• D. Rs 2,500

Explanation: Total parts = 10; larger share = 6 parts = 1500.

55. Average of 10 values is 35. Find the sum.

• A. 315
• B. 350 (Correct)
• C. 385
• D. 420

Explanation: Sum = average x count = 35 x 10 = 350.

56. Find SI on Rs 3,000 at 8% for 4 years.

• A. Rs 860
• B. Rs 910
• C. Rs 960 (Correct)
• D. Rs 1,060

Explanation: SI = PRT/100 = 3000 x 8 x 4/100 = 960.

57. Convert 108 km/h into m/s.

• A. 25 m/s
• B. 30 m/s (Correct)
• C. 35 m/s
• D. 40 m/s

Explanation: 108 x 5/18 = 30.

58. Find HCF of 66 and 88.

• A. 18
• B. 22 (Correct)
• C. 26
• D. 30

Explanation: Greatest common factor is 22.

59. Find LCM of 8 and 12.

• A. 16
• B. 24 (Correct)
• C. 36
• D. 48

Explanation: Smallest common multiple is 24.

60. A completes a work in 21 days and B in 27 days. Find their time working together.

• A. 10.8 days
• B. 11.8 days (Correct)
• C. 12.8 days
• D. 13.8 days

Explanation: Together time = ab/(a+b) = 21 x 27/48 = 11.8 days.

61. A 150 m train crosses a pole in 10 seconds. Find its speed.

• A. 36 km/h
• B. 54 km/h (Correct)
• C. 72 km/h
• D. 90 km/h

Explanation: Speed = 150/10 = 15 m/s; multiplying by 18/5 gives 54 km/h.

62. Find CI on Rs 7,500 at 11% per annum for 2 years.

• A. Rs 1,641
• B. Rs 1,691
• C. Rs 1,741 (Correct)
• D. Rs 1,841

Explanation: Amount = 7500(1+11/100)^2 ≈ 9241; CI = 9241 - 7500 = 1741.

63. A value of 1000 increases by 25% and then decreases by 10%. Find the final value.

• A. 1105
• B. 1115
• C. 1125 (Correct)
• D. 1135

Explanation: Final value = 1000 x 125/100 x 90/100 = 1125.

64. Marked price is Rs 4,000 and discount is 10%. Find the selling price.

• A. Rs 3,500
• B. Rs 3,550
• C. Rs 3,600 (Correct)
• D. Rs 3,700

Explanation: Selling price = 4000 x 90/100 = 3600.

65. Milk and water are in ratio 5:3 in a 80 L mixture. Find the milk quantity.

• A. 40 L
• B. 50 L (Correct)
• C. 60 L
• D. 80 L

Explanation: Milk = 5/8 x 80 = 50 L.

66. If BANK = CBOL, then LOAN = ?

• A. MPBO (Correct)
• B. MPBN
• C. NQBO
• D. KPBM

Explanation: Each letter shifts +1.

67. A walks 9 km west and 12 km south. Shortest distance?

• A. 13
• B. 15 (Correct)
• C. 17
• D. 21

Explanation: Use Pythagoras: 9-12-15.

68. In 60 students, rank is 18th from top. Rank from bottom?

• A. 41
• B. 42
• C. 43 (Correct)
• D. 44

Explanation: Bottom rank = 60 - 18 + 1 = 43.

69. Father's sister is called:

• A. Aunt (Correct)
• B. Mother
• C. Cousin
• D. Niece

Explanation: Father's sister is aunt.

70. Doctor : Hospital :: Teacher : ?

• A. School (Correct)
• B. Court
• C. Bank
• D. Market

Explanation: Workplace relation.

71. Odd one: 27, 64, 81, 125

• A. 27
• B. 64
• C. 81 (Correct)
• D. 125

Explanation: 27,64,125 are cubes; 81 is square.

72. All accounts are assets. No asset is liability. Conclusion: No account is liability.

• A. Definitely true (Correct)
• B. Definitely false
• C. Cannot say
• D. Either

Explanation: All accounts fall inside assets, and assets exclude liabilities.

73. If A > B and B = C, which is true?

• A. A > C (Correct)
• B. C > A
• C. A = C
• D. Cannot say

Explanation: Substitute C for B.

74. A is immediately left of B. Who is immediately right of A?

• A. A
• B. B (Correct)
• C. C
• D. Cannot say

Explanation: If A is left of B, B is right of A.

75. Which is different: Rose, Lotus, Lily, Mango

• A. Rose
• B. Lotus
• C. Lily
• D. Mango (Correct)

Explanation: Mango is a fruit; others are flowers.

76. Rule: first word moves to end. 'hard work wins' becomes?

• A. work wins hard (Correct)
• B. wins hard work
• C. hard wins work
• D. work hard wins

Explanation: Move 'hard' to the end.

77. Is x > y? I: x = y + 4. II: y is positive.

• A. Only I (Correct)
• B. Only II
• C. Both
• D. Neither

Explanation: x = y + 4 is enough.

78. Lower loan rates may increase loan demand. This is:

• A. Definitely false
• B. Probable (Correct)
• C. Impossible
• D. Contradiction

Explanation: It is likely but not guaranteed.

79. 60 have savings, 40 have FD, 20 have both. At least one?

• A. 70
• B. 80 (Correct)
• C. 90
• D. 100

Explanation: 60 + 40 - 20 = 80.

80. If 31 March 2025 is Monday, 31 March 2026 is:

• A. Monday
• B. Tuesday (Correct)
• C. Wednesday
• D. Thursday

Explanation: 2025 has 365 days, so +1 day.

81. P > Q, R > P. Tallest among P,Q,R?

• A. P
• B. Q
• C. R (Correct)
• D. Cannot say

Explanation: R > P > Q. This relation determines the answer.

82. A @ B means A > B; A # B means A < B; A & B means A = B. If P @ Q and Q & R, then:

• A. P > R (Correct)
• B. P < R
• C. P = R
• D. Cannot determine

Explanation: P > Q and Q = R, so P > R.

83. A $ B means A ≥ B; A * B means A ≤ B. If M $ N and N * O, then:

• A. M ≥ O
• B. M ≤ O
• C. M > O
• D. Cannot determine (Correct)

Explanation: M ≥ N and N ≤ O — direct relation between M and O cannot be established.

84. Odd one: A2, C4, E6, G9, I10

• A. A2
• B. C4
• C. G9 (Correct)
• D. I10

Explanation: Pattern: odd positions 1,3,5,7,9 with values 2,4,6,8,10. G should be 8, not 9.

85. Six persons in a row. A is 3rd from left. D is immediately right of A. Who is 4th from left?

• A. D (Correct)
• B. B
• C. E
• D. Cannot determine

Explanation: A at position 3; D immediately right = position 4.

86. Ram says: 'His mother is the only daughter of my mother.' Ram is related to the person in photo as:

• A. Uncle (Correct)
• B. Brother
• C. Father
• D. Grandfather

Explanation: Only daughter of Ram's mother = Ram's sister. Her son is Ram's nephew, so Ram is uncle.

87. Find next: 3, 6, 11, 18, 27, ?

• A. 36
• B. 38 (Correct)
• C. 39
• D. 40

Explanation: Differences: 3,5,7,9,11 — next = 27+11 = 38.

88. A starts facing north, turns right, walks 5 km, turns right, walks 3 km, turns left, walks 2 km. Final direction?

• A. North
• B. South
• C. East (Correct)
• D. West

Explanation: N→right=E→right=S→left=E.

89. A,B,C,D like different colours. A does not like Red or Blue. B likes Green. C does not like Yellow. A likes:

• A. Red
• B. Blue
• C. Green
• D. Yellow (Correct)

Explanation: B=Green; A≠Red,Blue,Green → A=Yellow by elimination.

90. If MONEY is coded as LNMDX (each letter −1), code for FUNDS is:

• A. ETMCR (Correct)
• B. FTMCS
• C. ETMCS
• D. FUMCS

Explanation: F→E, U→T, N→M, D→C, S→R = ETMCR.

91. If A=1, B=2, ..., Z=26, what is the value of BANK?

• A. 26
• B. 27
• C. 28 (Correct)
• D. 29

Explanation: B+A+N+K = 2+1+14+11 = 28.

92. Meera walks 8 m north and then 6 m east. How far is she from the starting point?

• A. 10 m (Correct)
• B. 12 m
• C. 14 m
• D. 16 m

Explanation: The path forms a right triangle: √(8²+6²) = √100 = 10 m.

93. If every letter moves two places forward, how is BANK coded?

• A. DCPM (Correct)
• B. DCPL
• C. CBOL
• D. FCRO

Explanation: B→D, A→C, N→P and K→M, giving DCPM.

94. Given P > Q ≥ R > S, which statement is definitely true?

• A. P > R (Correct)
• B. Q < S
• C. P = S
• D. R > Q

Explanation: P > Q and Q ≥ R together imply P > R.

95. Five people sit in a row. K is immediately left of L, and L is in the middle. What is K's position from the left?

• A. First
• B. Second (Correct)
• C. Third
• D. Fourth

Explanation: With five seats, the middle is position 3. K is immediately left at position 2.

96. What is x? I: x + y = 14. II: y = 5.

• A. Only I is sufficient
• B. Only II is sufficient
• C. Both together are sufficient (Correct)
• D. Either alone is sufficient

Explanation: Neither statement fixes x alone; together they give x = 14 − 5 = 9.

97. Statement: Every selected candidate submitted identity proof. Riya was selected. Which conclusion follows?

• A. Riya submitted identity proof (Correct)
• B. Riya was rejected
• C. Only Riya submitted proof
• D. No conclusion follows

Explanation: Riya belongs to the set of selected candidates, all of whom submitted identity proof.

98. Arrange from smallest to largest: district, village, country, state.

• A. Village, district, state, country (Correct)
• B. District, village, state, country
• C. Village, state, district, country
• D. Country, state, district, village

Explanation: A village lies within a district, a district within a state, and a state within a country.

99. Find next: 6, 12, 24, 48, ?

• A. 72
• B. 84
• C. 96 (Correct)
• D. 108

Explanation: Each term doubles.

100. Find next: B, E, J, Q, ?

• A. X
• B. Y
• C. Z (Correct)
• D. W

Explanation: Positions 2,5,10,17,26.