| 22nd March 2015 03:29 PM | |
| Kiran Chandar | Re: State Bank of India clerical exam post previous year question papers As per your request, I am giving you previous year paper questions of State Bank of India’s Clerk exam. I hope that question will help your friend. Question1. Which key is used in combination with another key to perform a specific task? Function Space Bar Arrow Control None of These Question2. Ctrl, Shift and Alt are called keys. Modifier Function Alphanumeric Adjustment None of These Question3. The pattern of printed lines on most products are called Prices OCR Scanners Barcodes None Of These Question4. What is the permanent memory built into your computer called? RAM ROM CPU CD-ROM None of these Which of the phrases (A), (B), (C) and (D) given below each sentence should replace the phrase printed in bold in the sentence to make it grammatically correct? If the sentence is correct as it is given and ‘No Correction is required mark (E) as the answer. Question5. Starting out my own business at this time would affect the financial stability of my family. Starting up my For starting with To start out mine By starting my No Correction Required Question6. Use a tactic for mixing the inferior with good quality rice is dishonest and you will lose your license. Using tactics as Using a tactic like To use tactics Used to tactics like No Correction Required Question7. The company will invest more six hundred crores in the next five years to expand its operations in Britain. Will Further Invest Has Invested More Than Have Invested Over Will Be Invested Above No Correction Required Question8. (8.2% of 365) – (1.75% of 108) =? 02 04 34 76 None of these Question9. [(135)2 ÷ 15 ´ 32] ÷ ? = 45 ´ 24 18 24 36 44 None of these Question10. (96)2 + (63)2 = (?)2 – (111)2 – 8350 33856 30276 174 184 None of these Question11.SME means Small And Medium Enterprises Small Marketing Enterprises Small Scale Marketing Entities Small And Medium Establishments All of these Question12. For successful marketing. Only the sales person sells Only finance Department-sells Only front office persons sell Only back office persons sell The whole organization sells Question13. Savings Accounts with zero balance can be opened for . Persons Below BPL Under Financial Inclusion Scheme Students As Per Bank’s Policies None Of These SBI Clerk question paper 1. Which of the following States will soon have its first Civil Airports? (A) Jammu & Kashmir (B) Maharashtra (C) Assam (D) Meghalaya (E) Sikkim Ans : (E) 2. Who amongst the following made the 41st Test Century of his career recently? (A) Saurav Ganguly (B) V. V. S. Laxman (C) Rahul Dravid (D) Sachin Tendulkar (E) None of these Ans : (D) 3. Which of the following was/were the objective(s) of the Mission Chandrayaan 1 ? (a) Preparing dimensional atlas of the lunar surface. (b) Chemical Mapping of the entire lunar surface. (c) Locating minerals in the soil of the moon. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (D) 4. Which of the following States introduced a high tech foodgrain rationing system to ensure timely supply of the foodgrains to people living below poverty line ? (A) Maharashtra (B) Tamil Nadu (C) Delhi (D) West Bengal (E) Karnataka Ans : (E) 5. Which of the following is NOT a part of India’s Money Market ? (A) Bill Markets (B) Call Money Market (C) Banks (D) Mutual Funds (E) Indian Gold Council Ans : (E) 6. Which of the following is the objective of the project ‘Bhoomi Keralam’ launched by the State Govt. ? (A) To conduct a survey of the land (B) To bring those people back who have left the State and settled in other States (C) To provide financial security to farmers who are in distress (D) To identify those tribals who need jobs or financial assistance (E) None of these Ans : (A) 7. Which of the following countries adopted its new constitution recently ? (A) Russia (B) Equadore (C) South Korea (D) North Korea (E) None of these Ans : (B) 8. Which of the following awards was given to Pt. Bhimsen Joshi recently (2008) ? (A) Padma Bhushan (B) Sangit Natak Academy Award (C) Maharashtra Bhushan (D) Karnataka Ratna (E) Bharat Ratna Ans : (E) 9. Which of the following States got its first Rail link recently ? (A) Haryana (B) Arunachal Pradesh (C) Sikkim (D) Manipur (E) Jammu & Kashmir Ans : (E) 10. Barack Hussain Obama belongs to which of the following political parties ? (A) Republican (B) Democratic (C) Labour (D) American National Congress (E) None of these Ans : (B) 11. Which of the following is/are NOT the features of India’s Foreign Trade policy (2004 to 2009)? (a) To double India’s percentage share of global trade from present 0·7 per cent to 1·5 per cent by 2009. (b) Simplifying the procedures and bringing down the cost. (c) Make SAARC countries India’s most preferred foreign trade partners by 2009. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) Only (a) & (c) Ans : (C) 12. Stephen Harper whose name was in news recently is the ………. (A) President of Canada (B) Prime Minister of Canada (C) President of Italy (D) Prime Minister of Switzerland (E) Foreign Minister of U.S.A. Ans : (B) 13. Which of the following is NOT a fertilizer product ? (A) Urea (B) Murate of Potash (C) Di Amonium Phosphate (D) Calcium Carbonate (E) All are fertilizers Ans : (E) 14. A Rs. 35,000 crore JSW Steel Plant project was inaugurated in West Bengal recently. The project is setup / developed in ………. (A) Singur (B) Nandigram (C) Salboni (D) Malda (E) Joynagar Ans : (C) 15. Which of the following State Govts. Has announced that it will provide a special package of incentives to Employment Intensive Industries? (A) Punjab (B) Karnataka (C) Tamil Nadu (D) Uttar Pradesh (E) Bihar Ans : (C) 16. Which of the following nations has decided to increase its co-operation in the field of energy with India? (A) Russia (B) China (C) Bangladesh (D) Nepal (E) Japan Ans : (A) 17. Which of the following services is NOT provided by the post offices in India ? (A) Savings Bank Scheme (B) Retailing of Mutual Funds (C) Sale of stamp Papers (Judicial) (D) Issuance of Demand Drafts (E) Life Insurance cover Ans : (D) 18. Mohammed Anni Nasheed is the newly elected President of ………. (A) Fiji (B) Maldives (C) Iraq (D) Iran (E) None of these Ans : (B) 19. Who amongst the following is the winner of the Nobel Prize for Literature 2008 ? (A) Jean Marie Gustave Le Clezio (B) Martti Ahtisaari (C) Yoichiro Nambu (D) Francoise Barre Sinoussi (E) None of these Ans : (A) 20. A national level commission of India has asked about twenty States to set up which of the following commissions in their States as early as possible ? (A) Farmers Commission (B) Women Commission (C) Child Welfare Commission (D) Law Commission (E) None of these Ans : (D) 21. Which of the following is/are the measure(s) taken by the Reserve Bank of India (RBI) to ease the liquidity crunch in the country ? (a) Cut in Cash Reserve Ratio and Statutory Liquidity Ratio. (b) Increase the flow of foreign direct investment. (c) Supply of additional currency notes in the market. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (A) 22. The third India Brazil and South Africa (IBSA) Summit took place in which of the following dies recently ? (A) Brazilia (B) New Delhi (C) Suncity (D) Salvador (E) Durban Ans : (B) 23. Which of the following States has dcided to set up Arsenic Removal Plants in all the districts of the State to enable itself to provide arsenic free drinking water to all the people by 2010-11 ? (A) Karnataka (B) Kerala (C) West Bengal (D) Orissa (E) Maharashtra Ans : (C) 24. Who amongst the following is the author of the book ‘The Exile’ ? (A) B. G. Verghese (B) Philip Roth (C) Aravind Adiga (D) Navtej Saran (E) None of these Ans : (D) 25. Which of the following programmes is being implemented in all the districts of the country ? (A) Sarva Shiksha Abhiyan (B) Navodaya Vidhyalay (C) Ultra Mega Power Project (D) Rajiv Gandhi Grameen Vidyuthikara Yojana (E) None of these Ans : (A) 26. The Govt. of India decided to provide a bonus price of Rs. 50 per quintal on which of the following products over and above its minimum support price of Rs. 850 per quintal ? (A) Wheat (B) Paddy (C) Sugarcane (D) Cotton (E) None of these Ans : (B) 27. Who amongst the following is the author of the book ‘The Namesake’ ? (A) Vikram Seth (B) V. S. Naipaul (C) Arun Bhagat (D) Anita Desai (E) Jhumpa Lahiri Ans : (E) 28. Besides USA India has signed Nuclear Agreement with which of the following countries and is named as ‘Co-operation Agreement for Peaceful uses of Nuclear Energy’ ? (A) Italy (B) Germany (C) France (D) Canada (E) Australia Ans : (C) 29. Tzipi Livini whose name was in news recently is from which of the following countries ? (A) Singapore (B) South Korea (C) Austria (D) Israel (E) None of these Ans : (D) 30. World Ozone day is observed on ………. (A) 16th September (B) 16th October (C) 16th November (D) 26th September (E) 26th October Ans : (A) 31. Which of the following is NOT a Govt. Sponsored organization ? (A) Small Industries Development Bank of India (B) NABARD (C) National Housing Bank (D) ICICI Bank (E) All are Govt. sponsored Ans : (D) 32. ‘Merdeka Cup’ is associated with the game of ………. (A) Badminton (B) Football (C) Hockey (D) Golf (E) Tennis Ans : (B) 33. India’s Space Rocket Launching Centre is in ………. (A) Portblair (B) Hassan (C) Tirupati (D) Kochi (E) Sri Harikota Ans : (E) 34. The National Games scheduled in 2011 will be organized in ………. (A) Bengaluru (B) Goa (C) Kolkata (D) Kochi (E) Jaipur Ans : (B) 35. Which of the followiing diseases is not covered under Integrated Disease Surveillance project ? (A) Cholera (B) Tuberculosis (C) AIDS (D) Polio (E) Cancer Ans : (E) 36. Which of the following is TRUE about ‘Antyodaya Anna Yojana’ ? (a) Scheme is for Below Poverty Line families. (b) People are provided cooked meals under the scheme. (c) All beneficiaries of National Rural Employment Guarantee Act are covered in this scheme. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (E) 37. Jelena Jankovic of Serbia won which of the following titles of tennis after defeating Svetlana Kuznetsova ? (A) China Open (B) Japan Open (C) New Zealand Open (D) Australian Open (E) None of these Ans : (A) 38. Who amongst the following is the Minister of Home Affairs in Union Cabinet of India at present ? (A) Shivraj Patil (B) Lalu Prasad Yadav (C) P. Chidambaram (D) Sharad Pawar (E) None of these Ans : (C) 39. Banks are required to pay how much percentage of their net bank credit to Priority Sector is advance ? (A) 5% (B) 7% (C) 10% (D) 15% (E) None of these Ans : (C) 40. Dronacharya Award is given for excellence in ………. (A) Literacy Work (B) Social Service (C) Coaching in Sports (D) Journalism (E) None of these Ans : (C) |
| 22nd March 2015 03:17 PM | |
| Unregistered | Re: State Bank of India clerical exam post previous year question papers My friend is preparing for the SBI clerk exam and he is looking for the previous year paper. Sir will you please forward me paper so I can help him? |
| 25th February 2015 04:51 PM | |
| Arun Vats | Re: State Bank of India clerical exam post previous year question papers Here I am providing the list of few questions of State Bank of India clerical entrance exam question paper which you are looking for . Directions—(Q. 41–55) Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you to locate them while answering some of the questions. A large majority of the poor in India are outside the formal banking system. The policy of financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every household or adult person may not be enough, unless these accounts and financial services offered to them are used by the account holders. At present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc. For the poor, interacting with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side. Till now, banks were looking at these accounts from a purely credit perspective. Instead, they should look at this from the point of view of meeting the huge need of the poor for savings. Poor households want to save and contrary to the common perception, do have the funds to save, but lack control. Informal mutual saving systems like the Rotating Savings and Credit Associations (ROSCAs), widespread in Africa and ‘thrift and credit groups’ in India demonstrate that poor households save. For the poor household, which lacks access to the formal insurance system and the credit system, savings provide a safety net and help them tide over crises. Savings can also keep them away from the clutches of moneylenders, make formal institutions more favourable to lending to them, encourage investment and make them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return. Research shows the efficacy of informal institutions in increasing the savings of the small account holders. An MFI in the Philippines, which had existing account holders, was studied. They offered new products with ‘commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their right to withdraw any funds from their own accounts until they reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make the deposit. He could not dip into the savings even if he wanted to. These accounts did not pay extra money and were illiquid. Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater savings rates than those who did not. The policy of financial inclusion can be a success if financial in clusion focuses on both saving needs and credit needs, having a diversified product portfolio for the poor but recognising that self-control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transaction costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically. 41. What is the aim of the financial inclusion policy ? (A) A focus on savings needs rather than credit needs of the poor (B) Minimising utilisation of technology in banks so as to reduce transaction costs for the poor (C) To boost low savings volumes in banks by encouraging savings among the rural poor (D) To make formal basic banking services available to the poor (E) To regulate the rate at which moneylenders lend to the poor 42. The author’s main objective in writing the passage is to— (A) Criticise the concept of financial inclusion (B) Point out the problems of financial inclusion (C) Discuss ways of making the financial inclusion policy successful (D) Compare financial inclusion policies of different countries (E) Cite research in support of role of MFIs in achieving financial inclusion 43. Which of the following can be inferred about products with commitment features ? 1. Demand for such products was high. 2. They were an effective means of increasing the savings of small account holders. 3. Such facilities can only be offered by informal institutions like MFIs. (A) All 1, 2 and 3 (B) Only 2 (C) Both 1 and 2 (D) Both 1 and 3 (E) None of these 44. Why do the poor not utilise banking services ? 1. Informal institutions offer higher rates of interest than those in banks. 2. Costs of reaching banks have to be borne by the poor. 3. Bank personnel do not treat the poor respectfully because their savings amounts are minimal. (A) Only 2 (B) Both 1 and 2 (C) Both 2 and 3 (D) All 1, 2, and 3 (E) None of these 45. Which of the following is a recommendation made by the author regarding financial inclusion ? (A) Reduce the paper work involved by seeking less information about the account holder (B) Lower transaction costs by utilising latest technology. (C) Make commitment features compulsory for all savings accounts (D) Entrust the responsibility of financial inclusion solely to MFIs (E) Provide credit facilities even to those without savings accounts 46. Which of the following factors affects ‘saving’ behaviour among the poor ? 1. Threats from moneylenders if they avail of banking services. 2. Documentation required before availing of banking services. 3. Lack of self-control. (A) Only 1 (B) All 1, 2 and 3 (C) Only 3 (D) Both 2 and 3 (E) None of these 47. What do the results of the study conducted in the Philippines indicate ? (A) Account holders in MFIs have higher savings rates than banks (B) Many of the poor have to turn to moneylenders because of strict restrictions in MFIs (C) Having accounts with restriction on withdrawal requires the bank to offer a higher rate of interest (D) There should be strong security measures for deposit option accounts for the poor (E) None of these 48. Which of the following is true in the context of the passage ? (A) There are no informal means for the poor to save in India (B) Having savings encourages the poor to invest only in low risk ventures (C) There is a huge demand for savings facilities among poor households (D) Presently commercial banks feel that it is feasible to provide banking services to the poor in rural areas (E) There are many official innovative savings systems like roscas in Africa 49. What is/are the outcome(s) of encouraging savings for the poor ? 1. It frees them from the exploitation of moneylenders. 2. Banks are more willing to disburse loans to those who save. 3. They should invest in risky but high return ventures. (A) Only 1 (B) Both 1 and 2 (C) Only 3 (D) All 1, 2 and 3 (E) None of these 50. What was the view of banks regarding the bank accounts of the poor in the past ? (A) They were considered a problem since account holders information needed to be updated constantly (B) Focus should be more on providing savings facilities not credit (C) Moneylenders should be regulated so that they share responsibility of disbursing loans to the poor (D) Products with commitment features will not be successful (E) None of these Directions—(Q. 51–53) Choose the word which is most nearly the same in meaning as the word printed in bold as used in the passage. 51. purely : (A) morally (B) honestly (C) completely (D) perfectly (E) cleanly 52. demonstrate : (A) protest (B) occur (C) estimate (D) appear (E) prove 53. remedy : (A) medicine (B) solve (C) restore (D) therapy (E) heal Directions—(Q. 54-55) Choose the word which is most opposite in meaning of the word printed in bold as used in the passage. 54. optional : (A) voluntary (B) compromise (C) pressure (D) mandatory (E) free 55. accessible : (A) convenient (B) unavailable (C) unfavourable (D) unpleasant (E) formal Directions—(Q. 56–65) Read each sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any). 56. The scheme failed because / some states could not / manage not to raise / the necessaryfunds. No error. (A) (B) (C) (D) (E) 57. Real estate prices in the / business district of the city / are expected to rise / at 15% this year. No error (A) (B) (C) (D) (E) 58. By so early as next year / that leading investment bank / has plans to open / an office in New Delhi. No error (A) (B) (C) (D) (E) 59. There is lots of / supports from the employees / for the proposal to / merge with the parent company. No error (A) (B) (C) (D) (E) 60. Experts have recommended that / the government reconsidered / restrictions imposed on foreign / investment in real estate. No error (A) (B) (C) (D) (E) 61. The crucial point to / be discussed at the / meetings is how to / well implement the policy.No error (A) (B) (C) (D) (E) 62. He wants to / set up a laboratory / to undertake research / into a vaccine for cancer. No error (A) (B) (C) (D) (E) 63. According to him / two factors which are / needy for success / are discipline and diligence. No error (A) (B) (C) (D) (E) 64. Because of the pace at / which the company is growing / I believe it will easily / achieve their target. No error (A) (B) (C) (D) (E) 65. It is truth / that India is / the largest consumer of / gold in the world. No error (A) (B) (C) (D) (E) Directions—(Q. 66–70) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence grammatically meaningful and correct. If the sentence is correct as it is and ‘No correction is required’, mark (E) as the answer. 66. The bank is overstaffed, has led to low productivity. (A) Led to (B) Will lead towards (C) And has led in (D) Which has led to (E) No correction required 67. You delay in taking a decision conveys a negative impression. (A) You delay to take (B) If you delay taking (C) Your delay in taking (D) To delay by taking (E) No correction required 68. Today management student itself are opted to work for NGOs even though the salaries offered to them are low. (A) Student itself is (B) Students themselves are (C) Students have (D) Student himself has (E) No correction required 69. Absence off any guidelines, they are unwilling to take up the project. (A) Absent of (B) In the absence of (C) Because of the absence (D) Without being absent (E) No correction required 70. Without the development of rural people the country can no claim to be developed. (A) Can never claim (B) Being claimed (C) Not able to claim (D) Have not any claim (E) No correction required Directions—(Q. 71–75) In each question below a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word, which is wrongly spelt or inappropriate, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e.. ‘All Correct’ as your answer. 71. The organization preferred to hire locale population as they understood the language and customer preferences. All Correct (A) (B) (C) (D) (E) 72. In our opinion the exicting assessment system requires immediate revision.All Correct (A) (B) (C) (D) (E) 73. In responds to the advertisement a sizeable number of candidates have submitted their applications. All Correct (A) (B) (C) (D) (E) 74. There is no guarantee that if this model is adopted the entire sector will prosper.All Correct (A) (B) (C) (D) (E) 75. With this unique initiative the company hopes to sustain its current growth rate. All Correct (A) (B) (C) (D) (E) Directions—(Q. 76–80) In each of the following sentences there are two blank spaces. Below each five pairs of words have been denoted by letters (A), (B), (C), (D) and (E). Find out which pair of words can be filled up in the blanks in the sentence in the same sequence to make the sentence meaningfully complete. 76. Mr. Srinivasan is …… to become Chairman of the group …… the retirement of his father. (A) set, following (B) voted, subsequent (C) selected, despite (D) approved, because (E) decided, after 77. …… to your error the …… consignment has been delayed by a week. (A) According, important (B) Duly, urgent (C) Owing, entire (D) Added, crucial (E) Admitting, special 78. On account of the …… in sales the software firm has achieved an eight percent …… in net profit. (A) surge, fall (B) increase, rise (C) decline, slope (D) hike, loss (E) growth, advance 79. We are proud to say that today …… 26 percent of our total accounts are …… by women and senior citizens. (A) approximate, held (B) nearly, authorised (C) over, maintain (D) above, open (E) around, operated 80. The company has …… special training to employees on …… to trade online. (A) announced, benefits (B) offered, course (C) imparted, risks (D) sanction, skills (E) provided, how |
| 25th February 2015 04:49 PM | |
| Unregistered | Re: State Bank of India clerical exam post previous year question papers I am looking for the State Bank of India clerical entrance exam question paper . Will you please provide it ? |
| 4th August 2014 08:25 AM | |
| Arun Vats | Re: State Bank of India clerical exam post previous year question papers As you want to get the State Bank of India clerical exam post previous year question papers so here it is for you: Directions—(Q. 41–55) Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you to locate them while answering some of the questions. A large majority of the poor in India are outside the formal banking system. The policy of financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every household or adult person may not be enough, unless these accounts and financial services offered to them are used by the account holders. At present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc. For the poor, interacting with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side. Till now, banks were looking at these accounts from a purely credit perspective. Instead, they should look at this from the point of view of meeting the huge need of the poor for savings. Poor households want to save and contrary to the common perception, do have the funds to save, but lack control. Informal mutual saving systems like the Rotating Savings and Credit Associations (ROSCAs), widespread in Africa and ‘thrift and credit groups’ in India demonstrate that poor households save. For the poor household, which lacks access to the formal insurance system and the credit system, savings provide a safety net and help them tide over crises. Savings can also keep them away from the clutches of moneylenders, make formal institutions more favourable to lending to them, encourage investment and make them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return. Research shows the efficacy of informal institutions in increasing the savings of the small account holders. An MFI in the Philippines, which had existing account holders, was studied. They offered new products with ‘commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their right to withdraw any funds from their own accounts until they reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make the deposit. He could not dip into the savings even if he wanted to. These accounts did not pay extra money and were illiquid. Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater savings rates than those who did not. The policy of financial inclusion can be a success if financial in clusion focuses on both saving needs and credit needs, having a diversified product portfolio for the poor but recognising that self-control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transaction costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically. 41. What is the aim of the financial inclusion policy ? (A) A focus on savings needs rather than credit needs of the poor (B) Minimising utilisation of technology in banks so as to reduce transaction costs for the poor (C) To boost low savings volumes in banks by encouraging savings among the rural poor (D) To make formal basic banking services available to the poor (E) To regulate the rate at which moneylenders lend to the poor 42. The author’s main objective in writing the passage is to— (A) Criticise the concept of financial inclusion (B) Point out the problems of financial inclusion (C) Discuss ways of making the financial inclusion policy successful (D) Compare financial inclusion policies of different countries (E) Cite research in support of role of MFIs in achieving financial inclusion 43. Which of the following can be inferred about products with commitment features ? 1. Demand for such products was high. 2. They were an effective means of increasing the savings of small account holders. 3. Such facilities can only be offered by informal institutions like MFIs. (A) All 1, 2 and 3 (B) Only 2 (C) Both 1 and 2 (D) Both 1 and 3 (E) None of these 44. Why do the poor not utilise banking services ? 1. Informal institutions offer higher rates of interest than those in banks. 2. Costs of reaching banks have to be borne by the poor. 3. Bank personnel do not treat the poor respectfully because their savings amounts are minimal. (A) Only 2 (B) Both 1 and 2 (C) Both 2 and 3 (D) All 1, 2, and 3 (E) None of these 45. Which of the following is a recommendation made by the author regarding financial inclusion ? (A) Reduce the paper work involved by seeking less information about the account holder (B) Lower transaction costs by utilising latest technology. (C) Make commitment features compulsory for all savings accounts (D) Entrust the responsibility of financial inclusion solely to MFIs (E) Provide credit facilities even to those without savings accounts 46. Which of the following factors affects ‘saving’ behaviour among the poor ? 1. Threats from moneylenders if they avail of banking services. 2. Documentation required before availing of banking services. 3. Lack of self-control. (A) Only 1 (B) All 1, 2 and 3 (C) Only 3 (D) Both 2 and 3 (E) None of these 47. What do the results of the study conducted in the Philippines indicate ? (A) Account holders in MFIs have higher savings rates than banks (B) Many of the poor have to turn to moneylenders because of strict restrictions in MFIs (C) Having accounts with restriction on withdrawal requires the bank to offer a higher rate of interest (D) There should be strong security measures for deposit option accounts for the poor (E) None of these 48. Which of the following is true in the context of the passage ? (A) There are no informal means for the poor to save in India (B) Having savings encourages the poor to invest only in low risk ventures (C) There is a huge demand for savings facilities among poor households (D) Presently commercial banks feel that it is feasible to provide banking services to the poor in rural areas (E) There are many official innovative savings systems like roscas in Africa 49. What is/are the outcome(s) of encouraging savings for the poor ? 1. It frees them from the exploitation of moneylenders. 2. Banks are more willing to disburse loans to those who save. 3. They should invest in risky but high return ventures. (A) Only 1 (B) Both 1 and 2 (C) Only 3 (D) All 1, 2 and 3 (E) None of these 50. What was the view of banks regarding the bank accounts of the poor in the past ? (A) They were considered a problem since account holders information needed to be updated constantly (B) Focus should be more on providing savings facilities not credit (C) Moneylenders should be regulated so that they share responsibility of disbursing loans to the poor (D) Products with commitment features will not be successful (E) None of these Directions—(Q. 51–53) Choose the word which is most nearly the same in meaning as the word printed in bold as used in the passage. 51. purely : (A) morally (B) honestly (C) completely (D) perfectly (E) cleanly 52. demonstrate : (A) protest (B) occur (C) estimate (D) appear (E) prove 53. remedy : (A) medicine (B) solve (C) restore (D) therapy (E) heal Directions—(Q. 54-55) Choose the word which is most opposite in meaning of the word printed in bold as used in the passage. 54. optional : (A) voluntary (B) compromise (C) pressure (D) mandatory (E) free 55. accessible : (A) convenient (B) unavailable (C) unfavourable (D) unpleasant (E) formal Directions—(Q. 56–65) Read each sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any). 56. The scheme failed because / some states could not / manage not to raise / the necessaryfunds. No error. (A) (B) (C) (D) (E) 57. Real estate prices in the / business district of the city / are expected to rise / at 15% this year. No error (A) (B) (C) (D) (E) 58. By so early as next year / that leading investment bank / has plans to open / an office in New Delhi. No error (A) (B) (C) (D) (E) 59. There is lots of / supports from the employees / for the proposal to / merge with the parent company. No error (A) (B) (C) (D) (E) 60. Experts have recommended that / the government reconsidered / restrictions imposed on foreign / investment in real estate. No error (A) (B) (C) (D) (E) 61. The crucial point to / be discussed at the / meetings is how to / well implement the policy.No error (A) (B) (C) (D) (E) 62. He wants to / set up a laboratory / to undertake research / into a vaccine for cancer. No error (A) (B) (C) (D) (E) 63. According to him / two factors which are / needy for success / are discipline and diligence. No error (A) (B) (C) (D) (E) 64. Because of the pace at / which the company is growing / I believe it will easily / achieve their target. No error (A) (B) (C) (D) (E) 65. It is truth / that India is / the largest consumer of / gold in the world. No error (A) (B) (C) (D) (E) Directions—(Q. 66–70) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence grammatically meaningful and correct. If the sentence is correct as it is and ‘No correction is required’, mark (E) as the answer. 66. The bank is overstaffed, has led to low productivity. (A) Led to (B) Will lead towards (C) And has led in (D) Which has led to (E) No correction required 67. You delay in taking a decision conveys a negative impression. (A) You delay to take (B) If you delay taking (C) Your delay in taking (D) To delay by taking (E) No correction required 68. Today management student itself are opted to work for NGOs even though the salaries offered to them are low. (A) Student itself is (B) Students themselves are (C) Students have (D) Student himself has (E) No correction required 69. Absence off any guidelines, they are unwilling to take up the project. (A) Absent of (B) In the absence of (C) Because of the absence (D) Without being absent (E) No correction required 70. Without the development of rural people the country can no claim to be developed. (A) Can never claim (B) Being claimed (C) Not able to claim (D) Have not any claim (E) No correction required Directions—(Q. 71–75) In each question below a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word, which is wrongly spelt or inappropriate, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e.. ‘All Correct’ as your answer. 71. The organization preferred to hire locale population as they understood the language and customer preferences. All Correct (A) (B) (C) (D) (E) 72. In our opinion the exicting assessment system requires immediate revision.All Correct (A) (B) (C) (D) (E) 73. In responds to the advertisement a sizeable number of candidates have submitted their applications. All Correct (A) (B) (C) (D) (E) 74. There is no guarantee that if this model is adopted the entire sector will prosper.All Correct (A) (B) (C) (D) (E) 75. With this unique initiative the company hopes to sustain its current growth rate. All Correct (A) (B) (C) (D) (E) Directions—(Q. 76–80) In each of the following sentences there are two blank spaces. Below each five pairs of words have been denoted by letters (A), (B), (C), (D) and (E). Find out which pair of words can be filled up in the blanks in the sentence in the same sequence to make the sentence meaningfully complete. 76. Mr. Srinivasan is …… to become Chairman of the group …… the retirement of his father. (A) set, following (B) voted, subsequent (C) selected, despite (D) approved, because (E) decided, after 77. …… to your error the …… consignment has been delayed by a week. (A) According, important (B) Duly, urgent (C) Owing, entire (D) Added, crucial (E) Admitting, special 78. On account of the …… in sales the software firm has achieved an eight percent …… in net profit. (A) surge, fall (B) increase, rise (C) decline, slope (D) hike, loss (E) growth, advance 79. We are proud to say that today …… 26 percent of our total accounts are …… by women and senior citizens. (A) approximate, held (B) nearly, authorised (C) over, maintain (D) above, open (E) around, operated 80. The company has …… special training to employees on …… to trade online. (A) announced, benefits (B) offered, course (C) imparted, risks (D) sanction, skills (E) provided, how |
| 4th August 2014 07:53 AM | |
| Unregistered | State Bank of India clerical exam post previous year question papers Will you please share with me the State Bank of India clerical exam post previous year question papers? |
| 30th July 2014 02:12 PM | |
| Raman Vij | Re: State Bank of India clerical exam post previous year question papers As you want to get the State Bank of India clerical exam post previous year question papers so here it is for you: 1. Which of the following States will soon have its first Civil Airports? (A) Jammu & Kashmir (B) Maharashtra (C) Assam (D) Meghalaya (E) Sikkim Ans : (E) 2. Who amongst the following made the 41st Test Century of his career recently? (A) Saurav Ganguly (B) V. V. S. Laxman (C) Rahul Dravid (D) Sachin Tendulkar (E) None of these Ans : (D) 3. Which of the following was/were the objective(s) of the Mission Chandrayaan 1 ? (a) Preparing dimensional atlas of the lunar surface. (b) Chemical Mapping of the entire lunar surface. (c) Locating minerals in the soil of the moon. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (D) 4. Which of the following States introduced a high tech foodgrain rationing system to ensure timely supply of the foodgrains to people living below poverty line ? (A) Maharashtra (B) Tamil Nadu (C) Delhi (D) West Bengal (E) Karnataka Ans : (E) 5. Which of the following is NOT a part of India’s Money Market ? (A) Bill Markets (B) Call Money Market (C) Banks (D) Mutual Funds (E) Indian Gold Council Ans : (E) 6. Which of the following is the objective of the project ‘Bhoomi Keralam’ launched by the State Govt. ? (A) To conduct a survey of the land (B) To bring those people back who have left the State and settled in other States (C) To provide financial security to farmers who are in distress (D) To identify those tribals who need jobs or financial assistance (E) None of these Ans : (A) 7. Which of the following countries adopted its new constitution recently ? (A) Russia (B) Equadore (C) South Korea (D) North Korea (E) None of these Ans : (B) 8. Which of the following awards was given to Pt. Bhimsen Joshi recently (2008) ? (A) Padma Bhushan (B) Sangit Natak Academy Award (C) Maharashtra Bhushan (D) Karnataka Ratna (E) Bharat Ratna Ans : (E) 9. Which of the following States got its first Rail link recently ? (A) Haryana (B) Arunachal Pradesh (C) Sikkim (D) Manipur (E) Jammu & Kashmir Ans : (E) 10. Barack Hussain Obama belongs to which of the following political parties ? (A) Republican (B) Democratic (C) Labour (D) American National Congress (E) None of these Ans : (B) 11. Which of the following is/are NOT the features of India’s Foreign Trade policy (2004 to 2009)? (a) To double India’s percentage share of global trade from present 0•7 per cent to 1•5 per cent by 2009. (b) Simplifying the procedures and bringing down the cost. (c) Make SAARC countries India’s most preferred foreign trade partners by 2009. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) Only (a) & (c) Ans : (C) 12. Stephen Harper whose name was in news recently is the ………. (A) President of Canada (B) Prime Minister of Canada (C) President of Italy (D) Prime Minister of Switzerland (E) Foreign Minister of U.S.A. Ans : (B) 13. Which of the following is NOT a fertilizer product ? (A) Urea (B) Murate of Potash (C) Di Amonium Phosphate (D) Calcium Carbonate (E) All are fertilizers Ans : (E) 14. A Rs. 35,000 crore JSW Steel Plant project was inaugurated in West Bengal recently. The project is setup / developed in ………. (A) Singur (B) Nandigram (C) Salboni (D) Malda (E) Joynagar Ans : (C) 15. Which of the following State Govts. Has announced that it will provide a special package of incentives to Employment Intensive Industries? (A) Punjab (B) Karnataka (C) Tamil Nadu (D) Uttar Pradesh (E) Bihar Ans : (C) 16. Which of the following nations has decided to increase its co-operation in the field of energy with India? (A) Russia (B) China (C) Bangladesh (D) Nepal (E) Japan Ans : (A) 17. Which of the following services is NOT provided by the post offices in India ? (A) Savings Bank Scheme (B) Retailing of Mutual Funds (C) Sale of stamp Papers (Judicial) (D) Issuance of Demand Drafts (E) Life Insurance cover Ans : (D) 18. Mohammed Anni Nasheed is the newly elected President of ………. (A) Fiji (B) Maldives (C) Iraq (D) Iran (E) None of these Ans : (B) 19. Who amongst the following is the winner of the Nobel Prize for Literature 2008 ? (A) Jean Marie Gustave Le Clezio (B) Martti Ahtisaari (C) Yoichiro Nambu (D) Francoise Barre Sinoussi (E) None of these Ans : (A) 20. A national level commission of India has asked about twenty States to set up which of the following commissions in their States as early as possible ? (A) Farmers Commission (B) Women Commission (C) Child Welfare Commission (D) Law Commission (E) None of these Ans : (D) 21. Which of the following is/are the measure(s) taken by the Reserve Bank of India (RBI) to ease the liquidity crunch in the country ? (a) Cut in Cash Reserve Ratio and Statutory Liquidity Ratio. (b) Increase the flow of foreign direct investment. (c) Supply of additional currency notes in the market. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (A) 22. The third India Brazil and South Africa (IBSA) Summit took place in which of the following dies recently ? (A) Brazilia (B) New Delhi (C) Suncity (D) Salvador (E) Durban Ans : (B) 23. Which of the following States has dcided to set up Arsenic Removal Plants in all the districts of the State to enable itself to provide arsenic free drinking water to all the people by 2010-11 ? (A) Karnataka (B) Kerala (C) West Bengal (D) Orissa (E) Maharashtra Ans : (C) 24. Who amongst the following is the author of the book ‘The Exile’ ? (A) B. G. Verghese (B) Philip Roth (C) Aravind Adiga (D) Navtej Saran (E) None of these Ans : (D) 25. Which of the following programmes is being implemented in all the districts of the country ? (A) Sarva Shiksha Abhiyan (B) Navodaya Vidhyalay (C) Ultra Mega Power Project (D) Rajiv Gandhi Grameen Vidyuthikara Yojana (E) None of these Ans : (A) 26. The Govt. of India decided to provide a bonus price of Rs. 50 per quintal on which of the following products over and above its minimum support price of Rs. 850 per quintal ? (A) Wheat (B) Paddy (C) Sugarcane (D) Cotton (E) None of these Ans : (B) 27. Who amongst the following is the author of the book ‘The Namesake’ ? (A) Vikram Seth (B) V. S. Naipaul (C) Arun Bhagat (D) Anita Desai (E) Jhumpa Lahiri Ans : (E) 28. Besides USA India has signed Nuclear Agreement with which of the following countries and is named as ‘Co-operation Agreement for Peaceful uses of Nuclear Energy’ ? (A) Italy (B) Germany (C) France (D) Canada (E) Australia Ans : (C) 29. Tzipi Livini whose name was in news recently is from which of the following countries ? (A) Singapore (B) South Korea (C) Austria (D) Israel (E) None of these Ans : (D) 30. World Ozone day is observed on ………. (A) 16th September (B) 16th October (C) 16th November (D) 26th September (E) 26th October Ans : (A) 31. Which of the following is NOT a Govt. Sponsored organization ? (A) Small Industries Development Bank of India (B) NABARD (C) National Housing Bank (D) ICICI Bank (E) All are Govt. sponsored Ans : (D) 32. ‘Merdeka Cup’ is associated with the game of ………. (A) Badminton (B) Football (C) Hockey (D) Golf (E) Tennis Ans : (B) 33. India’s Space Rocket Launching Centre is in ………. (A) Portblair (B) Hassan (C) Tirupati (D) Kochi (E) Sri Harikota Ans : (E) 34. The National Games scheduled in 2011 will be organized in ………. (A) Bengaluru (B) Goa (C) Kolkata (D) Kochi (E) Jaipur Ans : (B) 35. Which of the followiing diseases is not covered under Integrated Disease Surveillance project ? (A) Cholera (B) Tuberculosis (C) AIDS (D) Polio (E) Cancer Ans : (E) 36. Which of the following is TRUE about ‘Antyodaya Anna Yojana’ ? (a) Scheme is for Below Poverty Line families. (b) People are provided cooked meals under the scheme. (c) All beneficiaries of National Rural Employment Guarantee Act are covered in this scheme. (A) Only (a) (B) Only (b) (C) Only (c) (D) All (a), (b) & (c) (E) None of these Ans : (E) 37. Jelena Jankovic of Serbia won which of the following titles of tennis after defeating Svetlana Kuznetsova ? (A) China Open (B) Japan Open (C) New Zealand Open (D) Australian Open (E) None of these Ans : (A) 38. Who amongst the following is the Minister of Home Affairs in Union Cabinet of India at present ? (A) Shivraj Patil (B) Lalu Prasad Yadav (C) P. Chidambaram (D) Sharad Pawar (E) None of these Ans : (C) 39. Banks are required to pay how much percentage of their net bank credit to Priority Sector is advance ? (A) 5% (B) 7% (C) 10% (D) 15% (E) None of these Ans : (C) 40. Dronacharya Award is given for excellence in ………. (A) Literacy Work (B) Social Service (C) Coaching in Sports (D) Journalism (E) None of these Ans : (C) |
| 29th July 2014 02:10 PM | |
| Unregistered | State Bank of India clerical exam post previous year question papers Will you please share with me the State Bank of India clerical exam post previous year question papers? |
