1. In an election, candidate A gets 55% of the votes and candidate B gets the rest. If the total votes are 80,000, how many votes does B get?

• A. 36,000 (Correct)
• B. 40,000
• C. 44,000
• D. 48,000

Explanation: B gets 100% - 55% = 45%. 45% of 80,000 = 36,000.

2. A trader buys goods for Rs. 1,200 and sells at a 25% profit. What is the selling price?

• A. Rs. 1,400
• B. Rs. 1,450
• C. Rs. 1,500 (Correct)
• D. Rs. 1,600

Explanation: Profit = 25% of 1200 = 300. SP = 1200 + 300 = Rs. 1,500.

3. What is the simple interest on Rs. 5,000 at 8% per annum for 3 years?

• A. Rs. 1,000
• B. Rs. 1,200 (Correct)
• C. Rs. 1,500
• D. Rs. 1,600

Explanation: SI = P × R × T / 100 = 5000 × 8 × 3 / 100 = Rs. 1,200.

4. Find the compound interest on Rs. 8,000 at 10% per annum for 2 years, compounded annually.

• A. Rs. 1,600
• B. Rs. 1,680 (Correct)
• C. Rs. 1,800
• D. Rs. 2,000

Explanation: Amount = 8000 × (1.1)^2 = 9680. CI = 9680 - 8000 = Rs. 1,680.

5. Salaries of A, B, and C are in the ratio 2:3:5. If B earns Rs. 18,000, what does C earn?

• A. Rs. 24,000
• B. Rs. 28,000
• C. Rs. 30,000 (Correct)
• D. Rs. 35,000

Explanation: 3 parts = Rs. 18,000, so 1 part = Rs. 6,000. C earns 5 × 6,000 = Rs. 30,000.

6. A can complete a task in 15 days and B in 20 days. Working together, in how many days will they finish?

• A. 6 days
• B. 7 days
• C. 8 days
• D. 8.57 days (Correct)

Explanation: Combined rate = 1/15 + 1/20 = 7/60 per day. Time = 60/7 ≈ 8.57 days.

7. Two trains 250m and 150m long travel towards each other at 60 km/h and 90 km/h respectively. Time to cross is:

• A. 6 seconds
• B. 8 seconds (Correct)
• C. 10 seconds
• D. 12 seconds

Explanation: Total length = 400m. Relative speed = 150 km/h = 125/3 m/s. Time = 400 ÷ (125/3) = 9.6 ≈ 8 seconds.

8. A bank's deposits for 5 years (in crores) are: 2020: 120, 2021: 150, 2022: 180, 2023: 210, 2024: 240. What is the average deposit over 5 years?

• A. Rs. 160 Cr
• B. Rs. 175 Cr
• C. Rs. 180 Cr (Correct)
• D. Rs. 195 Cr

Explanation: Sum = 120+150+180+210+240 = 900. Average = 900/5 = Rs. 180 Cr.

9. Find the missing number: 3, 9, 27, 81, ?

• A. 162
• B. 243 (Correct)
• C. 324
• D. 729

Explanation: Each term is multiplied by 3: 81 × 3 = 243.

10. Simplify: 125 × 8 ÷ 4 + 250 − 100

• A. 350
• B. 400 (Correct)
• C. 450
• D. 500

Explanation: 125 × 8 = 1000. 1000 ÷ 4 = 250. 250 + 250 − 100 = 400.

11. Find the roots of x² - 7x + 12 = 0.

• A. x = 3, 4 (Correct)
• B. x = 2, 6
• C. x = 1, 12
• D. x = -3, -4

Explanation: x² - 7x + 12 = 0 → (x-3)(x-4) = 0. Roots: x = 3 and x = 4.

12. A shopkeeper marks up his goods by 40% and then gives a 20% discount. What is his profit percentage?

• A. 8%
• B. 10%
• C. 12% (Correct)
• D. 15%

Explanation: Take cost = 100. Marked price = 140. After 20% discount: SP = 140 × 0.8 = 112. Profit = 12%.

13. X invests Rs. 50,000 for 12 months and Y invests Rs. 75,000 for 8 months. Profit is Rs. 46,000. Y's share is:

• A. Rs. 18,000
• B. Rs. 20,000
• C. Rs. 23,000 (Correct)
• D. Rs. 28,000

Explanation: X's ratio = 50,000×12 = 6,00,000. Y's ratio = 75,000×8 = 6,00,000. Equal shares, so Y's share = 46,000/2 = Rs. 23,000.

14. A bag contains 5 red and 3 blue balls. Two balls are drawn at random. Probability both are red:

• A. 5/14 (Correct)
• B. 3/14
• C. 9/28
• D. 4/7

Explanation: P(both red) = C(5,2)/C(8,2) = 10/28 = 5/14.

15. A loan of Rs. 2,00,000 is taken at 12% per annum (compounded monthly). What is the EMI for a 12-month loan (approximately)?

• A. Rs. 16,500
• B. Rs. 17,707 (Correct)
• C. Rs. 18,000
• D. Rs. 19,000

Explanation: Monthly rate = 1%. EMI = P × r(1+r)^n / ((1+r)^n - 1) ≈ Rs. 17,707.

16. 6 people A, B, C, D, E, F sit in a circle facing the centre. A sits opposite D, B sits to the right of A. E sits between D and F. C is not adjacent to A. Who is to the left of B?

• A. A
• B. C
• C. E
• D. F (Correct)

Explanation: In circular arrangement with given constraints, F sits to the left of B.

17. 5 boxes are stacked: P is above Q, Q is above R, T is between P and Q, S is at the bottom. Which box is on top?

• A. P (Correct)
• B. Q
• C. T
• D. S

Explanation: Order from bottom: S, R, Q, T, P. P is at the top.

18. In a certain code, BANK is written as CBOL. How is LOAN written?

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

Explanation: Each letter is shifted one position forward: L→M, O→P, A→B, N→O = MPBO.

19. Pointing to a woman, a man says 'She is the mother of my daughter's father.' How is the woman related to the man?

• A. Mother (Correct)
• B. Mother-in-law
• C. Sister
• D. Aunt

Explanation: Daughter's father = the man himself. So the woman is the mother of the man.

20. If A > B, B = C, C E, then which is definitely true?

• A. A > E
• B. D > B (Correct)
• C. A > D
• D. B > E

Explanation: D > C and C = B, so D > B is definitely true.

21. Statements: All managers are leaders. Some leaders are graduates. Conclusion I: Some managers are graduates. Conclusion II: All graduates are leaders.

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

Explanation: I: We can't conclude managers are graduates (some leaders might not be managers). II: Reversal of 'some' is not valid as 'all'. Neither follows.

22. Ram walks 10m North, turns right walks 15m, turns right walks 10m. In what direction is he from the start?

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

Explanation: He ends up 15m east of the starting point.

23. Find the next term: A2, C4, E8, G16, ?

• A. I32 (Correct)
• B. H32
• C. I24
• D. J32

Explanation: Letters skip one (A, C, E, G, I); numbers double (2, 4, 8, 16, 32). Answer: I32.

24. A machine re-arranges words in steps. Input: 'Bank finance money credit loan savings'. Step 1: 'savings Bank finance money credit loan'. Step 2: 'savings loan Bank finance money credit'. What comes in Step 3?

• A. savings loan credit Bank finance money (Correct)
• B. savings loan money Bank finance credit
• C. credit savings loan Bank finance money
• D. savings loan Bank credit finance money

Explanation: The last word moves to the front in each step. Step 3: credit moves to position 3 from left.

25. Question: Is A the tallest among A, B, C? Statement I: A is taller than B. Statement II: C is shorter than A.

• A. Only I is sufficient
• B. Only II is sufficient
• C. Both together are sufficient (Correct)
• D. Neither is sufficient

Explanation: Both statements together prove A is taller than B and C, hence A is tallest. But individually, each only gives a pairwise comparison.

26. Find the missing number: 1, 4, 9, 16, 25, ?

• A. 30
• B. 35
• C. 36 (Correct)
• D. 49

Explanation: These are perfect squares: 1, 4, 9, 16, 25, 36 (6²).

27. SEBI is to Capital Market as RBI is to:

• A. Banking (Correct)
• B. Insurance
• C. Pensions
• D. Exports

Explanation: SEBI regulates Capital Markets; RBI is the regulator of Banking in India.

28. Find the odd one out: HDFC Bank, ICICI Bank, Axis Bank, UCO Bank

• A. HDFC Bank
• B. ICICI Bank
• C. Axis Bank
• D. UCO Bank (Correct)

Explanation: HDFC, ICICI, and Axis are private sector banks; UCO Bank is a public sector (government-owned) bank.

29. The Reserve Bank of India (RBI) plays a crucial role in monetary stability. As India's central bank, it regulates currency issuance, controls credit, and manages foreign exchange. Which of the following best describes the RBI's primary function?

• A. Providing loans to individuals
• B. Managing India's monetary policy and currency (Correct)
• C. Collecting taxes
• D. Licensing private businesses

Explanation: The passage explicitly states RBI regulates currency issuance, controls credit, and manages foreign exchange — all aspects of monetary policy.

30. Banking ______ has grown significantly in India with the introduction of digital payment platforms, making transactions more ______ and accessible to rural areas.

• A. sector / costly
• B. literacy / accessible (Correct)
• C. literacy / difficult
• D. sector / expensive

Explanation: 'Banking literacy' and 'accessible' complete the sentence logically, referring to financial awareness spreading through digital platforms.

31. Identify the error: 'The government have launched several financial inclusion schemes for the rural poor.'

• A. The government
• B. have launched (Correct)
• C. financial inclusion
• D. no error

Explanation: 'Government' is a collective noun used as singular in formal writing, so 'has launched' is correct, not 'have launched'.

32. The bank ______ an interest rate of 7.5% per annum on fixed deposits.

• A. offers (Correct)
• B. offer
• C. is offering
• D. were offering

Explanation: The bank (singular) in a general/habitual statement uses 'offers' (simple present).

33. Choose the synonym of 'Solvent'.

• A. Bankrupt
• B. Financially stable (Correct)
• C. Indebted
• D. Illiquid

Explanation: Solvent means having enough assets to meet all financial obligations — the opposite of bankrupt.

34. Choose the antonym of 'Depreciate'.

• A. Devalue
• B. Decline
• C. Appreciate (Correct)
• D. Collapse

Explanation: Depreciate means to decrease in value; appreciate means to increase in value.

35. Arrange the sentences: (P) Banks play a key role in economic development. (Q) By channeling deposits into loans, they promote investment. (R) This leads to job creation and GDP growth. (S) They act as intermediaries between savers and borrowers.

• A. PSQR (Correct)
• B. PSRQ
• C. PQSR
• D. SQRP

Explanation: Logical flow: Banks' role (P) → acting as intermediaries (S) → channeling to loans (Q) → leading to growth (R). PSQR.

36. Choose the best alternative: 'Despite of the high interest rates, housing loans have increased.'

• A. Despite the high interest rates, (Correct)
• B. In spite the high rates,
• C. Although of the high rates,
• D. No improvement needed

Explanation: 'Despite' does not take 'of' — the correct usage is 'Despite + noun phrase' without 'of'.

37. A person who is unable to pay debts is called a:

• A. Creditor
• B. Debtor
• C. Insolvent (Correct)
• D. Guarantor

Explanation: An insolvent person is one who cannot pay debts when due. A debtor simply owes money; insolvent specifically means unable to pay.

38. The phrase 'above board' in a banking context means:

• A. On the upper floor of the bank
• B. Legitimate and transparent (Correct)
• C. Beyond credit limit
• D. Prior to board approval

Explanation: 'Above board' is an idiom meaning honest, open, and without deception.

39. What does 'CRR' stand for in banking?

• A. Capital Reserve Ratio
• B. Cash Reserve Ratio (Correct)
• C. Credit Reserve Ratio
• D. Current Reserve Rate

Explanation: CRR (Cash Reserve Ratio) is the percentage of a bank's total deposits that it must keep in liquid cash with the RBI.

40. What is the SLR in Indian banking?

• A. Securities Lending Ratio
• B. Statutory Liquidity Ratio (Correct)
• C. Standard Loan Rate
• D. Special Liquidity Reserve

Explanation: SLR (Statutory Liquidity Ratio) is the percentage of total demand and time liabilities that banks must maintain as liquid assets (gold, government securities).

41. The Repo Rate is the rate at which:

• A. Banks borrow overnight funds from RBI (Correct)
• B. RBI borrows from commercial banks
• C. Banks lend to each other
• D. Banks lend to customers

Explanation: Repo Rate is the rate at which commercial banks borrow short-term money from the RBI against government securities.

42. If RBI increases the Repo Rate, what is the likely impact on home loan interest rates?

• A. Home loan rates decrease
• B. Home loan rates increase (Correct)
• C. Home loan rates remain unchanged
• D. EMIs decrease

Explanation: A higher Repo Rate means banks' borrowing cost from RBI increases, so banks pass this on by raising their lending rates, including home loan rates.

43. NABARD primarily focuses on:

• A. Industry financing
• B. Agricultural and rural development (Correct)
• C. Capital market regulation
• D. Insurance regulation

Explanation: NABARD (National Bank for Agriculture and Rural Development) is the apex institution for agricultural credit and rural development finance in India.

44. SEBI is the regulator for:

• A. Banking sector
• B. Insurance sector
• C. Securities and capital markets (Correct)
• D. Pension funds

Explanation: SEBI (Securities and Exchange Board of India) regulates the securities market, stock exchanges, and capital market intermediaries.

45. NEFT stands for:

• A. National Electronic Funds Transfer (Correct)
• B. National Economic Fund Transfer
• C. Net Electronic Financial Transaction
• D. New Electronic Fund Technology

Explanation: NEFT is an electronic fund transfer system operated by RBI that allows account-to-account transfers across banks.

46. RTGS is used for transactions:

• A. Below Rs. 1 lakh only
• B. Above Rs. 2 lakhs (minimum) (Correct)
• C. For international transfers only
• D. For UPI-based payments

Explanation: RTGS (Real Time Gross Settlement) is used for high-value transactions, generally Rs. 2 lakhs and above, with real-time final settlement.

47. Jan Dhan Yojana was launched primarily to:

• A. Promote SIP investments
• B. Ensure banking access for unbanked citizens (Correct)
• C. Reduce NPAs in banks
• D. Increase forex reserves

Explanation: Pradhan Mantri Jan Dhan Yojana (PMJDY) aims to provide universal access to banking facilities to every household in India.

48. Which of the following is a Small Finance Bank in India?

• A. SBI
• B. HDFC Bank
• C. Ujjivan Small Finance Bank (Correct)
• D. Canara Bank

Explanation: Ujjivan Small Finance Bank is a licensed Small Finance Bank (SFB) in India. SFIs/SFBs serve underbanked segments with smaller-ticket lending.

49. NPA stands for:

• A. Net Profit Amount
• B. Non-Performing Asset (Correct)
• C. Net Payable Amount
• D. New Performing Asset

Explanation: NPA (Non-Performing Asset) refers to a loan or advance for which the principal or interest payment is overdue for 90 days or more.

50. Basel III norms primarily deal with:

• A. Tax rates for banks
• B. Capital adequacy and liquidity requirements for banks (Correct)
• C. Interest rate setting by central banks
• D. Cross-border trade financing

Explanation: Basel III is an international regulatory framework developed by the Basel Committee on Banking Supervision to strengthen bank capital requirements and introduce new liquidity and leverage ratios.