SBI PO Prelims Full Mock Test 1

1. SBI was established in:

• A. 1949
• B. 1955 (Correct)
• C. 1969
• D. 1980

Explanation: SBI was formed in 1955 from Imperial Bank of India.

2. SARFAESI Act empowers banks to:

• A. Issue new currency
• B. Recover secured loans without court (Correct)
• C. Set interest rates
• D. Open branches

Explanation: SARFAESI (2002) allows auction of mortgaged assets for NPA recovery.

3. The Reserve Bank of India acts as the __ of the government.

• A. banker (Correct)
• B. lender
• C. borrower
• D. auditor

Explanation: RBI is the banker to the government of India.

4. Financial inclusion aims to __ access to banking for all.

• A. extend (Correct)
• B. extends
• C. extended
• D. extending

Explanation: Aims to + base verb.

5. IMPS enables __ transfer of funds 24×7.

• A. instant (Correct)
• B. instants
• C. instantly
• D. instanced

Explanation: Adjective before noun: instant transfer.

6. The government’s fiscal policy __ public expenditure and taxation.

• A. governs (Correct)
• B. govern
• C. governing
• D. governed

Explanation: Singular subject ‘policy’: governs.

7. ATM __ are reconciled daily by operations teams.

• A. transactions (Correct)
• B. transaction
• C. transacted
• D. transacting

Explanation: Plural noun needed as subject.

8. The RBI have issued new guidelines for digital payments.

• A. The RBI
• B. have issued (Correct)
• C. new guidelines
• D. for digital payments

Explanation: RBI is singular: has issued.

9. Both the applicants is required to submit their documents.

• A. Both the applicants
• B. is required (Correct)
• C. to submit
• D. their documents

Explanation: Both = plural = are required.

10. We should avoid to take unnecessary risks in investment.

• A. We should
• B. avoid to take (Correct)
• C. unnecessary risks
• D. in investment

Explanation: Avoid + gerund: avoid taking.

11. Improve: The scheme has been launching last year.

• A. was launched last year (Correct)
• B. has launched last year
• C. launched last year
• D. No improvement

Explanation: Last year needs simple past.

12. Improve: He suggested me to read the financial report.

• A. suggested I read
• B. suggested that I read (Correct)
• C. suggested me reading
• D. No improvement

Explanation: Suggest + that clause, not ‘me to’.

13. The __ in inflation has eroded purchasing power.

• A. rise (Correct)
• B. raise
• C. risen
• D. arising

Explanation: 'The rise in' — noun usage.

14. Please __ the cheque before depositing it.

• A. endorse (Correct)
• B. endorsed
• C. endorsing
• D. endorsement

Explanation: Imperative = base verb.

15. (A) is a type of savings instrument (B) A fixed deposit (C) offered by banks (D) with guaranteed returns.

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

Explanation: BCDA: A fixed deposit is a type of savings instrument offered by banks with guaranteed returns.

16. (A) reduce the fiscal deficit (B) the government introduced (C) to boost revenue and (D) the new tax reforms.

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

Explanation: BDCA: the government introduced the new tax reforms to boost revenue and reduce the fiscal deficit.

17. Synonym of PRUDENT:

• A. Reckless
• B. Cautious (Correct)
• C. Careless
• D. Hasty

Explanation: Prudent = careful and wise.

18. Antonym of LUCRATIVE:

• A. Profitable
• B. Unprofitable (Correct)
• C. Risky
• D. Secured

Explanation: Lucrative = financially rewarding; antonym = unprofitable.

19. 'Turn a blind eye' means:

• A. Look carefully
• B. Ignore deliberately (Correct)
• C. Examine closely
• D. Approve

Explanation: To deliberately ignore something.

20. Collateral in banking means:

• A. Interest rate
• B. Asset pledged as security (Correct)
• C. Monthly instalment
• D. Net profit

Explanation: Security offered to lender against a loan.

21. Synonym of PENAL:

• A. Rewarding
• B. Punitive (Correct)
• C. Optional
• D. Routine

Explanation: Penal = relating to punishment.

22. The number of loan applicants __ increased this year.

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

Explanation: 'The number of' takes singular verb.

23. CRR stands for:

• A. Cash Reserve Ratio (Correct)
• B. Credit Risk Rating
• C. Current Repo Rate
• D. Central Revenue Rate

Explanation: CRR is the fraction of deposits kept with RBI.

24. SLR stands for:

• A. Statutory Liquidity Ratio (Correct)
• B. Standard Lending Rate
• C. Special Loan Rate
• D. None

Explanation: SLR = liquid assets banks must maintain.

25. A loan given without any collateral is:

• A. Secured loan
• B. Unsecured loan (Correct)
• C. Overdraft
• D. Mortgage

Explanation: Not backed by collateral.

26. Arbitrage means:

• A. Loan recovery
• B. Profiting from price differences across markets (Correct)
• C. Tax evasion
• D. Bank merger

Explanation: Exploits price gaps across different markets.

27. The account holders __ requested an extension.

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

Explanation: Account holders is plural: have.

28. 'On the fence' means:

• A. Undecided (Correct)
• B. Fully committed
• C. Overconfident
• D. In debt

Explanation: Unable to decide between two options.

29. Correct sentence:

• A. The board of directors have decided
• B. The board of directors has decided (Correct)
• C. The board of directors are decided
• D. The board of directors deciding

Explanation: Board of directors = singular collective noun = has.

30. Insolvency means:

• A. High profit margin
• B. Inability to meet financial obligations (Correct)
• C. Excess cash flow
• D. New investment

Explanation: Liabilities exceed assets.

31. Choose the synonym of PRUDENT.

• A. Reckless
• B. Cautious (Correct)
• C. Careless
• D. Wasteful

Explanation: Prudent means careful and sensible.

32. Choose the antonym of VERBOSE.

• A. Wordy
• B. Concise (Correct)
• C. Lengthy
• D. Talkative

Explanation: Verbose means using too many words; concise means brief.

33. Choose the correct verb: Each of the forms ___ complete.

• A. are
• B. is (Correct)
• C. were
• D. have

Explanation: Each is singular, so use 'is'.

34. Fill in the blank: She is good ___ data analysis.

• A. in
• B. at (Correct)
• C. on
• D. for

Explanation: Use 'good at' for skill.

35. In banking, collateral means:

• A. Asset pledged as security (Correct)
• B. Monthly salary
• C. ATM PIN
• D. Branch code

Explanation: Collateral is security for a loan.

36. Find the error: The committee have approved the policy.

• A. The committee
• B. have approved (Correct)
• C. the policy
• D. No error

Explanation: Committee is singular here: has approved.

37. Improve: The rate of interest has raised.

• A. has risen (Correct)
• B. has rise
• C. has raising
• D. No improvement

Explanation: Rates rise; banks raise rates.

38. 'In the red' means:

• A. In profit
• B. In debt or loss (Correct)
• C. Under audit
• D. Very safe

Explanation: It means a negative balance or loss.

39. The RBI ___ monetary policy to manage inflation.

• A. formulate
• B. formulates (Correct)
• C. formulating
• D. has formulate

Explanation: RBI is singular, so 'formulates'.

40. A person who lends money at very high interest is called:

• A. Auditor
• B. Usurer (Correct)
• C. Debtor
• D. Actuary

Explanation: A usurer lends at excessive interest.

41. Average of 11 values is 28. Find the sum.

• A. 280
• B. 308 (Correct)
• C. 336
• D. 364

Explanation: Sum = average x count = 28 x 11 = 308.

42. Find SI on Rs 4,500 at 10% for 3 years.

• A. Rs 1,250
• B. Rs 1,300
• C. Rs 1,350 (Correct)
• D. Rs 1,450

Explanation: SI = PRT/100 = 4500 x 10 x 3/100 = 1350.

43. 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.

44. Find HCF of 72 and 96.

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

Explanation: Greatest common factor is 24.

45. Find LCM of 10 and 14.

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

Explanation: Smallest common multiple is 70.

46. 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.

47. 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.

48. Find CI on Rs 7,000 at 8% per annum for 2 years.

• A. Rs 1,065
• B. Rs 1,115
• C. Rs 1,165 (Correct)
• D. Rs 1,265

Explanation: Amount = 7000(1+8/100)^2 ≈ 8165; CI = 8165 - 7000 = 1165.

49. A value of 1000 increases by 30% and then decreases by 20%. Find the final value.

• A. 1020
• B. 1030
• C. 1040 (Correct)
• D. 1050

Explanation: Final value = 1000 x 130/100 x 80/100 = 1040.

50. 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.

51. 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.

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

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

Explanation: 35% of 800 = 280.

53. 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.

54. 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.

55. Simplify: 270 + 120 − 50.

• A. 320
• B. 330
• C. 340 (Correct)
• D. 350

Explanation: 270 + 120 = 390; 390 − 50 = 340.

56. 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.

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

• A. Rs 409
• B. Rs 459
• C. Rs 509 (Correct)
• D. Rs 609

Explanation: A = P(1+r/100)^2 = 2000×(1+12/100)^2 ≈ 2509; CI = 2509 − 2000 = 509.

58. Pipe A fills a tank in 12 hrs; pipe B empties it in 20 hrs. Both open — time to fill?

• A. 24 hrs
• B. 27 hrs
• C. 30 hrs (Correct)
• D. 36 hrs

Explanation: Net rate = 1/12 − 1/20; time = 12×20/(20−12) = 30 hrs.

59. A box has 8 balls; 2 are red. What is the probability of selecting a red ball?

• A. 1/8
• B. 2/8 (Correct)
• C. 3/8
• D. 4/8

Explanation: Probability = favourable outcomes / total outcomes = 2/8.

60. CP = Rs 600, profit = 30%. Find SP.

• A. Rs 730
• B. Rs 780 (Correct)
• C. Rs 830
• D. Rs 880

Explanation: SP = CP×(100+profit)/100 = 600×130/100 = 780.

61. SBI PO: Find 20% of 900.

• A. 170
• B. 180 (Correct)
• C. 190
• D. 200

Explanation: 900 x 20/100 = 180.

62. 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.

63. 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.

64. Average of 10 values is 27. Find the sum.

• A. 243
• B. 270 (Correct)
• C. 297
• D. 324

Explanation: Sum = average x count = 27 x 10 = 270.

65. Find SI on Rs 2,000 at 8% for 2 years.

• A. Rs 220
• B. Rs 270
• C. Rs 320 (Correct)
• D. Rs 420

Explanation: SI = PRT/100 = 2000 x 8 x 2/100 = 320.

66. 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.

67. Find HCF of 66 and 88.

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

Explanation: Greatest common factor is 22.

68. Find LCM of 8 and 12.

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

Explanation: Smallest common multiple is 24.

69. 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.

70. 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.

71. 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.

72. 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.

73. Father's sister is called:

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

Explanation: Father's sister is aunt.

74. Doctor : Hospital :: Teacher : ?

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

Explanation: Workplace relation.

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

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

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

76. 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.

77. 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.

78. 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.

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

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

Explanation: Mango is a fruit; others are flowers.

80. 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.

81. 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.

82. 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.

83. 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.

84. 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.

85. 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.

86. 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.

87. 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.

88. 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.

89. 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.

90. 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.

91. 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.

92. 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.

93. 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.

94. 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.

95. 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.

96. 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.

97. 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.

98. 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.

99. 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.

100. 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.