Punjab National Bank clerk exam previous year question papers

Will you please share with me the Punjab National Bank clerk exam previous year question papers as it is very urgent for me?

[Arun Vats]

As you want to get the Punjab National Bank clerk exam previous year question papers so here it is for you:

1. Four of the following five are alike in a certain way and so form a group. Which is
the one that does not belong to the group?
1. Marketing function includes—
(A) Designing new products
(B) Advertisements
(C) Publicity
(D) After sales service
(E) All of these
Ans : (E)
2. Lead generation can be resorted to by browsing—
(A) Telephone directories
(B) Yellow pages
(C) Internet sites
(D) List of existing customers
(E) All of these
Ans : (E)
3. Effective selling skills depend on—
(A) Effective lead generation
(B) Sales Call Planning
(C) Territory Allocation
(D) Effective communication skills
(E) All of these
Ans : (E)
4. Market Information means—
(A) Knowledge level of marketing staff
(B) Information about marketing staff
(C) Information regarding Share market
(D) Knowledge of related markets
(E) All of these
Ans : (D)

5. Marketing channels mean—
(A) Delivery period
(B) Delivery time
(C) Delivery outlets
(D) Delivery place
(E) All of these
Ans : (E)
6. ‘Buyer Resistance’ means—
(A) Buyer’s interest in the product being sold
(B) Buyer fighting with the seller
(C) Buyer’s hesitation in buying the product
(D) Buyer becoming a seller
(E) Buyer buying the product
Ans : (C)
7. Marketing is the function of—
(A) Sales persons
(B) Production Department
(C) Planning Department
(D) Team leaders
(E) A collective function of all staff
Ans : (E)
8. A DSA means—
(A) Direct Service Agency
(B) Direct Selling Agent
(C) Double Selling Agent
(D) Distribution Agency
(E) None of these
Ans : (B)
9. Service Marketing is resorted to in—
(A) All manufacturing companies
(B) All production houses
(C) Export units
(D) Insurance companies and banks
(E) All of these

Ans : (D)
10. Marketing is—
(A) A skilled person’s job
(B) A one day function
(C) A one time act
(D) Required only when a new product is launched
(E) None of these
Ans : (A)
11. Market share refers to—
(A) Share market prices
(B) Price fluctuation in the market
(C) Share issue floated by the company
(D) Share of wallet
(E) Share of business of the company as compared to peers
Ans : (E)
12. Service Marketing is the same as—
(A) Internet marketing
(B) Telemarketing
(C) Internal Marketing
(D) Relationship Marketing
(E) All of these
Ans : (D)
13. Current Accounts can be freely opened by ………… Find the incorrect answer.
(A) All NRIs
(B) All businessmen
(C) Government departments
(D) Firms and Companies
(E) HUFs
Ans : (E)
14. Buyer Resistance can be overcome by—
(A) Cordial relation between buyer and seller
(B) Good negotiation
(C) Persuasive communication
(D) Good after sales service
(E) All of these

Ans : (A)
15. Cross-selling is useful for canvassing—
(A) Current Accounts
(B) Fixed Deposit Accounts
(C) Student loans
(D) Car loans
(E) All of these
Ans : (E)
16. Market segmentation helps to determine—
(A) Target groups
(B) Sale price
(C) Profit levels
(D) Product life cycle
(E) All of these
Ans : (A)
17. The target group for Car loans is—
(A) Auto manufacturing companies
(B) Car dealers
(C) Taxi drivers
(D) Car purchasers
(E) All of these
Ans : (E)
18. The best promotional tool in any marketing is—
(A) e-promotion
(B) Public Relations
(C) Viral marketing
(D) Word of mouth publicity
(E) Advertisements
Ans : (E)
19. Customisation results in—
(A) Customer exodus
(B) Customer retention
(C) Customer complaints
(D) All of these
(E) None of these

Ans : (B)
20. The target group for Education Loans is—
(A) All parents
(B) All Professors
(C) All Research Scholars
(D) All Tutorial Colleges
(E) All College Students
Ans : (E)
21. Find the correct sentence.
(A) Higher the price, higher are the sales
(B) More sales persons lead to more sales
(C) Mission statement is part of a Market Plan
(D) Better sales incentives means better performance
(E) All customers are profitable customers
Ans : (C)
22. Good marketing strategy envisages good and proper—
(A) Product development
(B) Promotion and Distribution
(C) Pricing
(D) Relationship management
(E) All of these
Ans : (E)
23. Savings Accounts can be opened by—
(A) All individuals fulfilling KYC norms
(B) All individuals earning more than Rs. 1,00,000 per annum
(C) All individuals above the age of 18
(D) All salaried persons only
(E) All students below the age of 18
Ans : (C)
24. Situation Analysis is useful for—
(A) SWOT Analysis
(B) Analysis of Sales person’s performances
(C) Analysis of capital markets
(D) All of these
(E) None of these

Ans : (A)
25. Information that comes from an external source and fed into computer software is
called—
(A) Input
(B) Output
(C) Throughput
(D) Reports
(E) None of these
Ans : (A)
26. With a CD you can—
(A) Read
(B) Write
(C) Neither Read nor Write
(D) Both Read and Write
(E) None of these
Ans : (D)
27. Errors in a computer program are referred to as—
(A) bugs
(B) mistakes
(C) item overlooked
(D) blunders
(E) None of these
Ans : (A)
28. Which of the following are computers that can be carried around easily ?
(A) Laptops
(B) Supercomputers
(C) PCs
(D) Minicomputers
(E) None of these
Ans : (A)
29. What menu is selected to change font and style ?
(A) Tools
(B) File
(C) Format
(D) Edit

(E) None of these
Ans : (C)
30. Where is the disk put in a computer ?
(A) In the hard drive
(B) In the disk drive
(C) Into the CPU
(D) In the modem
(E) None of these
Ans : (B)
31. A computer’s hard disk is—
(A) an arithmetic and logical unit
(B) computer software
(C) operating system
(D) computer hardware
(E) None of these
Ans : (D)
32. A compiler is used to translate a program written in—
(A) a low level language
(B) a high level language
(C) assembly language
(D) machine language
(E) None of these
Ans : (B)
33. In programming, you use the following keys—
(A) Arrow keys
(B) Function keys
(C) Alpha keys
(D) page up and Page Down keys
(E) None of these
Ans : (A)
34. Which keys enable the input of numbers quickly ?
(A) Function keys
(B) The numeric keypad
(C) Ctrl, shift and alt
(D) Arrow keys

(E) None of these
Ans : (B)
35. Files are organized by storing them in—
(A) tables
(B) databases
(C) folders
(D) graphs
(E) None of these
Ans : (C)
36. The secret code that restricts entry to some programs—
(A) entry-code
(B) passport
(C) password
(D) access-code
(E) None of these
Ans : (C)
37. Advertisements are not required in—
(A) Public Sector banks
(B) Private Sector banks
(C) Government concerns
(D) Profit making companies
(E) None of these
Ans : (C)
38. The most common method of entering text and numerical data into a computer
system is through the use of a—
(A) plotter
(B) scanner
(C) printer
(D) keyboard
(E) None of these
Ans : (D)
39. Computer programs are also known as—
(A) operating systems
(B) documents
(C) peripherals

(D) applications
(E) None of these
Ans : (D)
40. A collection of unprocessed items is ………
(A) information
(B) data
(C) memory
(D) reports
(E) None of these
Ans : (B)
41. ……… is when the more powerhungry components, such as the monitor and the
hard drive, are put in idle.
(A) Hibernation
(B) Power down
(C) Standby mode
(D) The shutdown procedure
(E) None of these
Ans : (C)
42. ……… is the process of dividing the disk into tracks and sectors.
(A) Tracking
(B) Formatting
(C) Crashing
(D) Allotting
(E) None of these
Ans : (B)
43. A saved document is referred to as a ………
(A) file
(B) word
(C) folder
(D) project
(E) None of these
Ans : (A)
44. Which of the following is the largest unit of storage ?
(A) GB
(B) KB

(C) MB
(D) TB
(E) None of these
Ans : (D)
45. The operating system is the most common type of ……… software.
(A) communication
(B) application
(C) system
(D) word-processing
(E) None of these
Ans : (B)
46. A ……… is approximately one billion bytes.
(A) kilobyte
(B) bit
(C) gigabyte
(D) megabyte
(E) None of these
Ans : (C)
47. A scanner scans—
(A) Pictures
(B) Text
(C) Both Pictures and Text
(D) Neither Pictures nor Text
(E) None of these
Ans : (C)
48. Dumb terminals have terminals and—
(A) Mouse
(B) Speakers
(C) Keyboard
(D) Mouse or Speakers
(E) None of these
Ans : (C)
49. The portion of the CPU that coordinates the activities of all the other computer
components is the—
(A) motherboard

(B) coordination board
(C) control unit
(D) arithmetic logic unit
(E) None of these
Ans : (C)
50. A repair for a known software bug, usually available at no charge on the Internet,
is called a(n)—
(A) version
(B) patch
(C) tutorial
(D) FAQ
(E) None of these
Ans : (B)

Directions—(Q. 1–15) Read the following passage carefully and answer the questions given
below it. Certain words have been printed in bold to help you locate them while answering
some of the questions.
We should recognise the indebtedness of the country to its farm families who toil to safeguard
national food security. Loan waiver is the price we have to pay for the neglect of rural India
over the past several decades. There has been a gradual decline in investment in key sectors
related to agriculture such as infrastructure, marketing, post harvest technology etc. The four
crore farmers whose debt is to be relieved will be eligible for institutional credit for their
cultivation expenses during Kharif 2008. The challenge is to prevent them from getting into
the debt trap again. For this purpose the Central and various State governments should set up
an Indebted Farmers’ Support Consortium, comprising scientists, panchayat raj officials and
others relevant to assisting farmers to improve the profitability and productivity of their
farms in an environmentally sustainable manner. The smaller the farm, the greater is the
need for marketable surplus to reduce indebtedness.
The Indebted Farmers’ Support Consortium should aim to get all the four crore farmers all the
benefits of the government schemes such as the Rashtriya Krishi Vikas Yojana, Irrigation
Benefit Programme and others. If this is done, every farm family released from the debt trap
should be able to produce at least an additional half tonne per hectare of foodgrains. This
should help increase food production by about 20 million tonnes by 2008-10. At a time when
global and national food stocks are dwindling and prices are rising, this will be atimely gain
for our national food security. We need to ensure that the outcome of the debt waiver is
enhanced farmers’ income and production. The prevailing gap between potential and actual
yields in the crops of rainfed areas such as pulses and oilseeds is over 200 per cent even with
the necessary technologies on the shelf. We are now importing without duty large quantities
of pulses and oilseeds. If helped, farmers can produce these at a lower cost.
Opportunities for assured and remunerative marketing are essential if loan waiver is not to
become a recurring event leading to the destruction of the credit system. This is why the
Minimum Support Price is necessary for all, not just for a few crops which is the case at
present. This is the single most effective step to make loan waivers history. There is another
urgent step which needs to be taken. The loan waiver does not cover those who borrow from
moneylenders. It will not be possible for the government to scrutinise the veracity of such
private deals but steps can be taken such as giving them Smart Cards which will entitle them
to essential inputs like seeds and fertilizers. The gram sabha can be entrusted with the task
of identifying these farmers so that there is transparency in the process and elimination of
the chances for falsification and corruption. Fear of occasional misuse should not come in the
way of enabling millions of poor farmers who have borrowed from informal sources if we are
to achieve the goal of four per cent growth in agriculture.

1. What is the likely impact of ensuring farmers’ benefit from government schemes ?
1. They can use the credit from these schemes to repay moneylenders.
2. The government can control the price rise.
3. Increased agricultural production.
(A) Both 1 and 2
(B) All 1, 2 and 3
(C) Only 3
(D) Both 2 and 3
(E) None of these
2. Why does the author feel that rural India has been overlooked in the past ?
1. Institutional credit was only made available for Kharif crops.
2. Drop in investment in central areas related to agriculture.
3. Records of those eligible for loan waivers have not been maintained over time.
(A) Only 2
(B) Both 1 and 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
3. How can small farmers avoid debt ?
(A) They need to acquire additional land holdings
(B) They need to take advantage of both government schemes as well as credit from
moneylenders
(C) They have to ensure a sufficient amount of their farm produce is sold
(D) The Government should provide periodic loan waivers
(E) None of these
4. What is the objective of the Indebted Farmers’ Support Consortium ?
(A) It is a support group for the families of indebted farmers
(B) It has to devise new government schemes for farmers
(C) It has to track farmers eligible for government schemes
(D) It has to evaluate government schemes and weed out the inefficient ones
(E) None of these
5. What does the author mean by the phrase “indebtedness of the country to its farm
families” ?
(A) If farmers are in debt it impacts the entire country
(B) Citizens should be grateful to farmers and their families for the hardships borne by them
to cultivate crops
(C) India’s food production has fallen causing it to be in debt since it has to import food
(D) The number of farmers’ descendants taking up agriculture has fallen.
(E) None of these

6. What is the author’s opinion of recurring loan waivers ?
(A) They are beneficial to farmers
(B) They are detrimental to the system of lending.
(C) They will reduce the need for a Minimum Support Price for agricultural products
(D) Farmers will no longer be in debt to moneylenders
(E) None of these
7. Which of the following is TRUE in the context of the passage ?
(A) The Minimum Support Price for agricultural products is yet to be implemented
(B) Loan waiver is a permanent solution to indebtedness of farmers
(C) Current agricultural growth is below four per cent
(D) India’s food production has increased in 2008
(E) Moneylenders benefit from loan waivers
8. Why does the loan waiver not cover credit taken from moneylenders ?
1. It is difficult to verify these contracts between farmers and moneylenders.
2. It will increase the deficit in the budget.
3. There is a risk that the funds may be misappropriated.
(A) Both 1 and 3
(B) All 1, 2 and 3
(C) Only 2
(D) Both 1 and 2
(E) None of these
9. Why is there a vast gap in actual and potential yields of crops in rainfed areas ?
(A) The government prefers to import these crops at a lower rate
(B) No technological advances have been made to improve the growth of crops in these areas
(C) There is no Minimum Support Price available for these crops
(D) Farmers are forced to sell these crops at a low rate
(E) None of these
10. How does the government intend to ensure transparency in the Smart card issuance
process ?
(A) Screening private players involved in the scheme
(B) Granting access to those farmers who register with their local moneylenders
(C) Providing cards which cannot be forged
(D) Regularly rotating members of the gram sabha so there is no corruption
(E) None of these
Directions—(Q. 11–13) Choose the word which is most similar in meaning to the word printed
in bold as used in the passage.
11. assured
(A) insured

(B) definite
(C) doubted
(D) confident
(E) reliance
12. relieved
(A) exempted
(B) backed
(C) supported
(D) calmed
(E) substituted
13. gap
(A) hole
(B) break
(C) pause
(D) difference
(E) interruption
Directions—(Q. 14–15) Choose the word which is most opposite in meaning to the word printed
in bold as used in the passage.
14. timely
(A) young
(B) lately
(C) overdue
(D) aged
(E) slowly
15. elimination
(A) authority
(B) forgiveness
(C) attack
(D) provision
(E) protection
Directions—(Q. 16–20) 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 correcton is required, mark
(E) as the answer.
16. In order to control rising prices the government has restricted the export of certain
commodities.
(A) For control of raised

(B) In control of raised
(C) To control the rise
(D) By controlling rising
(E) No correction required
17. Over two crores will be required to renovate the building being damaged during the
cyclone.
(A) that was damage
(B) which was damaged
(C) has been damaged
(D) been damaged
(E) No correction required
18. Small investors often suffer because of delays in getting its grievance redressed.
(A) their grievances redressed
(B) the grievances redress
(C) to redress grievance
(D) this grievances redressed
(E) No correction required
19. With the failure of the investment bank, the public’s confidence in the banking sector has
been how badly shaken.
(A) so badly shaken
(B) that much shaky
(C) badly shaken
(D) too badly shaky
(E) No correction required
20. A consultant is been appointed to advise us on the viability of the project.
(A) appointed
(B) has been appointing
(C) will be appointed
(D) to be appointed
(E) No correction required
Directions—(Q. 21–25) Rearrange the following six sentences (1), (2), (3), (4), (5) and (6) in
the proper sequence to form a meaningful paragraph; then answer the questions given below
them.
(1) Expansion of retail banking especially has a lot of scope, since retail assets are just 22 per
cent of the total banking assets.
(2) Where they do not find it viable to open branches they may open satellite offices in these
areas.
(3) There is tremendous scope for the expansion of banking in India.
(4) Banks can also diversify beyond cities to semi-urban and rural areas.

(5) In these ways a transition from class banking to mass banking can take place.
(6) They can also collaborate with local stakeholders in order to extend microcredit services
to those living there.
21. Which of the following should be the THIRD sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
22. Which of the following should be the FIRST sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
23. Which of the following should be the FIFTH sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
24. Which of the following should be the SIXTH (LAST) sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
25. Which of the following should be the SECOND sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Directions—(Q. 26–35) In the following passage there are blanks, each of which has been
numbered. These numbers are printed below the passage and against each, five words are
suggested, one of which fits the blank appropriately. Find out the appropriate word in each
case.

Decades ago, China …(26)… the concept of ‘barefoot doctors’. They were community
healthcare workers who successfully …(27)… the health of China’s villages. Following this
example, many African, Asian and Latin American countries have started …(28)… programmes.
The largest of such community health efforts is India’s National Rural Health Mission. In
…(29)… over three years, the programme has mobilized over fifty thousand new community
health workers, each …(30)… as ‘Asha’. This is short for ‘Accredited Social Health Activist’
and translated into Hindi is the word …(31)… hope.
Today technology companies and foundations are also joining the …(32)… to support
community health workers. Mobile phone companies are …(33)… these workers with phones
and support systems to obtain up to date medical information, call ambulances etc. In the
…(34)… years, community health workers can thus help…(35)… the spread of many devastating
but curable diseases.
26. (A) gives
(B) researches
(C) introduced
(D) originates
(E) enlightened
27. (A) improved
(B) entrusted
(C) fought
(D) cured
(E) dealt
28. (A) thousands
(B) alike
(C) imitated
(D) similar
(E) naming
29. (A) course
(B) less
(C) approximate
(D) period
(E) just
30. (A) referred
(B) known
(C) perceived
(D) regarded
(E) called

31. (A) denotes
(B) describes
(C) for
(D) explains
(E) means
32. (A) business
(B) membership
(C) scope
(D) effort
(E) purpose
33. (A) provided
(B) buying
(C) equipped
(D) supplied
(E) empowering
34. (A) coming
(B) next
(C) past
(D) few
(E) previous
35. (A) overlook
(B) curb
(C) protect
(D) enrich
(E) neglect
Answers :
1. (B) 2. (A) 3. (E) 4. (A) 5. (B) 6. (B) 7. (C) 8. (A) 9. (C) 10. (E) 11. (B) 12. (A) 13. (D) 14. (B)
15. (E) 16 (E) 17. (B) 18. (A) 19. (C) 20. (C) 21. (C) 22. (C) 23. (E) 24. (E) 25. (A) 26. (C) 27.
(A) 28. (D) 29. (E) 30. (C)
31. (C) 32. (D) 33. (E) 34. (A) 35. (B)

I want to crack Punjab National Bank clerk exam . Will you please provide the Punjab National Bank clerk exam question paper for an idea ?

[Arun Vats]

Here I am providing the list of few questions of Punjab National Bank clerk exam question paper which you are looking for .

1. Nav Krishi is a programme by—
(1) Door Darshan
(2) All India Radio
(3) NIC
(4) ICRISAT
(5) MANAGE
2. One Acre is equal to…………..hectare.
(1) 0.0541
(2) 0.8032
(3) 0.1082
(4) 0.2514
(5) 0.4047
3. SRI technology is practiced for the cultivation of—
(1) Fruits
(2) Vegetables
(3) Flowers
(4) Rice
(5) Wheat
4. If the soil pH 9.2, then the soil is—
(1) Acidic
(2) Neutral
(3) Alkaline
(4) Saline
(5) Sodic
5. …………..is used for the reclamation of acidic soil—
(1) Lime
(2) Gypsum
(3) Sulphur
(4) Calcium Chloride
(5) Ferrous Sulphate
6. 2008 is declared as International Year of—
(1) Rice
(2) Wheat
(3) Sugarcane
(4) Potato
(5) Apple
7. Golden revolution refers to the development of—
(1) Oilseeds
(2) Pulses
(3) Horticulture
(4) Cereals
(5) Fodder
8. The most important rabi pulse crop in India is—
(1) Chickpea
(2) Soyabean
(3) Pigeon pea
(4) Green gram
(5) Black gram
9. RFLP (Restriction Fragment Length Polymorphism) is—
(1) Growth promoter
(2) Molecular marker
(3) Growth retardent
(4) Herbicide
(5) Germicide
10. National Commission on Farmers was chaired by—
(1) Sri Som Pal
(2) Sri Y.C. Nanda
(3) Dr C. Rangarajan
(4) Dr M.S. Swaminathan
(5) Sri Sharad Pawar
11. Global Positioning Systems are useful for—
(1) Determining precise location (latitude and longitude) based on radio signal
(2) Determining precise distance based on radio signal
(3) Determining general pest system
(4) Determining disease forecast
(5) Determining area of farm
12. Commission for Agricultural Costs and Prices (CACP) recommends—
(1) Comfort Price
(2) State Advised Price
(3) Minimum Support Price
(4) Minimum Export Price
(5) Statutory Minimum Price
13. NPV (Nuclear Polyhedrosis Virus) is—
(1) Pest
(2) Pathogen
(3) Bio pesticide
(4) Bio fungicide
(5) Bio control agent
14. National Agricultural Cooperative Marketing Federation is known as—
(1) NIAM
(2) NAFED
(3) MARKFED
(4) NACMF
(5) NACOM
15. Which insect is known as farmers' enemy No.1?
(1) Bollworm
(2) Desert locust
(3) Aphids
(4) Stem borer
(5) Fruit fly
16. Indian Institute of Forest management is located at—
(1) Chennai
(2) Bhopal
(3) Hissar
(4) Dehradun
(5) Imphal
17. In India forests account for about …………..of land surface.
(1) 11%
(2) 22%
(3) 33%
(4) 14%
(5) 25%
18. VAM is an alternative to inorganic fertilizer. VAM is—
(1) Azospirillum
(2) Mycorrhiza
(3) Phosphate solubilising bacteria
(4) Nitrogen fixing bacteria
(5) Azotobacter
19. An example of Single Cell Protein is—
(1) agar agar
(2) spirulina
(3) rhizobium
(4) acetobacter
(5) salmonella
20. Major producer of mulberry silk in India—
(1) Karnataka
(2) Jammu and Kashmir
(3) Jharkhand
(4) Assam
(5) Himachal Pradesh
21. Bird flu affects—
(1) Cattle
(2) Poultry
(3) Sheep
(4) Prawn
(5) Silkworm
22. Minor irrigation scheme comprises several types of works with capacities to irrigate upto—
(1) 2000 acre
(2) 2000 ha
(3) 1000 ha
(4) 1000 acre
(5) 2500 ha
23. Ideal NPK ratio for Indian soils is—
(1) 8 : 4 : 2
(2) 4 : 2 : 1
(3) 9 : 5 : 3
(4) 2 : 1 : 0.5
(5) 10 : 4 : 2
24. Which of the following is a bio diesel plant?
(1) Jatropha
(2) Rose
(3) Pepper
(4) Noni
(5) Teak
25. National Research Centre on Plant Biotechnology is situated at—
(1) Nagpur
(2) New Delhi
(3) Mumbai
(4) Kolkata
(5) Chennai