GURGAON GRAMIN BANK PO EXAM 2010 SOLVED PAPER.doc

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GURGAON GRAMIN BANK PO EXAM 2010 SOLVED PAPER

GENERAL AWARENESS:

1. Which of the following is a programme to provide electric connections to those living

below poverty line ?

(A) MPLADS

(B) Kutir Jyoti

(C) Ganga Kalyan Yojana

(D) Sangam Yojana

(E) None of these

Ans : (B)

2. As per the guidelines issued by the SEBI the Permanent Account Number (PAN) is amust for which of the following ?

(A) Demat Accounts

(B) All Saving Banks Accounts

(C) All Housing Loan Accounts

(D) All Current Accounts

(E) None of these

Ans : (A)

3. For getting National Old Age Pension the age of the person should not be less than—

(A) 50 years(B) 55 years

(C) 58 years

(D) 60 years

(E) 65 years

Ans : (E)

4. Many a times we read about the priority sector in newspapers. Which of the following

is/are considered segment(s) of Priority Sector in India ?

1. Agriculture

2. Small Scale Industry

3. Textile Industry

(A) Only 1

(B) Only 2

(C) Only 3

(D) All 1, 2 and 3

(E) None of these



Ans : (A)

5. The average size of holdings in India is about 2 hectares or 5 acres. What problems do

farmers normally face due to this ?

1. Proper irrigation facilities are not possible for these farms.2. Scientific and advanced techniques are very expensive for these farms.

3. It does not pose a problem for them. These farms are ideal in size. Hence all sorts of

advanced methods can easily be used for them.

(A) Only 1

(B) Only 2 is correct

(C) Only 3 is correct

(D) Both 1 and 2 are correct

(E) None is correct

Ans : (B)

6. Which of the following is considered a technological factor in the productivity of

agricultural land ?

(A) Inadequate irrigation facilities

(B) Size of holding

(C) Pattern of Land Tenure

(D) Type of marketing facilities in the area

(E) All the above

Ans : (A)

7. Many times we read a term ‘Free Market’ in newspapers. What does it mean ?

[Pick up the correct statement(s)]

1. It is a market where pricing is driven by the laws of supply and demand.

2. In free market things are available without restraints of the government

3. In such markets goods are free from extraneous influences such as tariff or quotas.

(A) Only 1

(B) Only 2

(C) Only 3

(D) 1 and 2 both

(E) 1, 2 and 3 all

Ans : (E)

8. Earlier it was thought safe to allow each financial institution to carry out only one type

of financial service. But now banks are selling shares, insurance companies can sell

banking services.

These new financial conglomerates are colloquially referred to as—



(A) Multinationals

(B) Financial supermarkets

(C) Market regulators

(D) Brand Promoters

(E) None of these

Ans : (B)

9. Marketing of agro products and also of the cottage industry is most important for

economic development. Which of the following should be the major consideration for the

marketing of rural products ?

(A) Proper storing facility only

(B) Proper holding capacity only

(C) Adequate and cheap transport facility only

(D) Small number of intermediaries only

(E) All the above are needed

Ans : (E)

10. Many people travel to different parts of India to work as agricultural labour as the

wages given to them are different in different parts. Which of the following is/are

determining factor(s) in deciding the structure of agricultural wages in India ?

1. Land to Labour ratio i.e. The number of people employed on a land holding of a

particular size.

2. Nature of crop sown on the land. Food crops do not attract good wages whereas

commercial crops do.

3. Nature of the area as a high productivity area will have higher wages and vice-versa.(A) Both 1 and 2

(B) Both 1 and 3

(C) Only 2

(D) All 1, 2 and 3

(E) None of these

Ans : (D)

11. The structure of the financial system in India can be divided into many segments.

Which of the following is not one of these segments ?

(A) Industrial Finance(B) Agriculture Finance

(C) Developmental Finance

(D) Government Finance

(E) Personal Finance

Ans : (E)



12. Which of the following statements about the changes in cropping patterns is/are

correct ?

1. The Govt. of India can influence crop pattern through legislative and administrative

measures.

2. The Cropping pattern normally depends upon the climatic conditions of the area.3. As 80% of the agro products are being exported from India the cropping pattern

depends upon the WTO stipulations in the field.

(A) Only 1

(B) Only 2

(C) Both 1 and 2 are correct

(D) Only 2 and 3 are correct

(E) All 1, 2 and 3 are correct

Ans : (E)

13. The Head of the Hindu Undivided Family (HUF) is called—

(A) Swami

(B) Karta

(C) Bharta

(D) Agraj

(E) Jyeshthi

Ans : (B)

14. The Banking Industry and financial sector in India has come a long way in the past

few years. Which of the following were the major drawbacks of the banks in India,inherited from the British Raj owing to which the Govt. of India decided to nationalize

them in 1969 and put them through a series of reforms again ?

1. Interlocking of directorship of big business houses.

2. Paucity of credit to socially and economically important sectors of the economy.

3. Shortage of trained manpower to handle the major task of economic development.

(A) Only 1

(B) Only 2

(C) Only 3

(D) Both 1 and 2

(E) All 1, 2 and 3

Ans : (D)

15. A national policy to provide rural credit was launched by the Govt. of India in general

and by RBI and NABARD in particular. Which of the following cannot be considered as

one of the objectives of this National Policy ?

1. To ensure timely and increased flow of credit to the rural sector.



2. To make available credit facilities to every region of the country so that there are no

regional imbalances.

3. To establish a well organized network of informal/non institutional credit system in the

country.

(A) Only 1

(B) Both 1 and 2(C) Only 3

(D) Both 1 and 3

(E) All 1, 2 and 3

Ans : (C)

16. Under Bharat Nirman Programme of the Govt. of India action is proposed in various

areas. Which of the following is not one of these areas ?

(A) Irrigation

(B) Rural Roads

(C) Rural Housing

(D) Rural Water Supply

(E) Rural Employment

Ans : (E)

17. Which of the following is the name of the legislation, which provides employment to

the poors in remote areas of the country ?

(A) NREGA

(B) POTA

(C) FEMA(D) COFEPOSA

(E) None of these

Ans : (A)

18. The Reserve Bank of India issues coins and notes of various denominations. At

present RBI does not issue coins of which of the following denominations ?

(A) 10 paise

(B) 25 paise

(C) 50 paise

(D) 1•00 Rupee(E) 5•00 Rupee

Ans : (A)

19. Many a times we come across a term ‘Know Your Customer’ in area of banking

transactions. Which of the following is the main purpose of issuing Know Your Customer



guidelines by the RBI ?

(A) To provide better customer service

(B) To keep a check on money laundering

(C) To bring more and more people in the Income Tax net

(D) To make high value transactions faster

(E) None of theseAns : (B)

20. Which of the following is not correct about the various targets set for 11th Five Year

Plan ?

(Whole plan period 2007-12).

(A) Farm sector growth to be increased to 8%

(B) GDP growth rate to be increased to 10%

(C) Create 7 Crore new jobs

(D) Literacy rate is to be increased to 80%

(E) Reduction in unemployment amongst the educated youth

Ans : (A)

21. Many a times we come across a term read as ‘GM’ in reference to certain crops. What

is the full form of the term ‘GM’ ?

(A) Geographically Moderated

(B) Genetically Modified

(C) Globally Marketed

(D) Grown after Modifications

(E) None of theseAns : (B)

22. Many a times we see a term in newspapers ‘IPO’. What is the full form of the same ?

(A) Indian Public Offer

(B) Institutional Purchase Offer

(C) Industrial Purchase Order

(D) Indian Purchase Offer

(E) Initial Public Offer

Ans : (E)

23. Which of the following is not the part of the Charter of the National Rural Health

Mission (NRHM) ?

1. NRHM has to pay special attention to 18 States, which have weak Public Health

Indicators.

2. Mission provides for appointment of Accredited Social Health Activist (ASHA) in



each one of four metros so that these metros become free from Polio, Malaria, and HIV

infections by 2010 ?

3. It aims at effective integration of Private Sector in health sector so that government

burden can be reduced to the level of mere policy maker.

(A) Only 1

(B) Only 2(C) Both 2 and 3

(D) Only 3

(E) Both 1 and 3

Ans : (C)

24. Who amongst the following had said ‘small aim is crime’ ?

(A) Jawaharlal Nehru

(B) Lal Bahadur Shastri

(C) Smt. Indira Gandhi

(D) Dr. A. P. J. Kalam

(E) Dr. Manmohan Singh

Ans : (D)

25. The rate on which banks lend to RBI is known as—

(A) CRR

(B) PLR

(C) Bank Rate

(D) REPO Rate

(E) SLRAns : (A)

26. Which of the following name is not associated with the insurance business in India ?

(A) Bajaj Allianz

(B) LIC

(C) GIC

(D) Tata AIG

(E) GE Money

Ans : (E)

27. Which of the following awards is given for excellence in the field of sports ?

(A) Kalidas Samman

(B) Dhyanchand Award

(C) Shram Vir Award

(D) Shanti Swarup Bhatnagar Award



(E) None of these

Ans : (B)

28. Which of the following does not represent the name of a bank working in India ?

(A) YES(B) HDFC

(C) TATA

(D) Kotak Mahindra

(E) Axis

Ans : (C)

29. Who amongst the following addresses the nation on the Independence Day from the

ramparts of the Red Fort, Delhi ?

(A) President of India

(B) UPA Chair person

(C) Speaker of the Lok Sabha

(D) Prime Minister of India

(E) None of these

Ans : (D)

30. Which of the following is considered an informal method of getting credit/finance ?

(A) Internet Banking

(B) Branch visits

(C) Going to money lenders(D) Tele Banking

(E) All of these

Ans : (C)

31. Which of the countries represent letter ‘C’ in the category known as BRIC countries ?

(A) Canada

(B) Chile

(C) Cuba

(D) Croatia

(E) ChinaAns : (E)

32. Nobel Prizes are not given for the performance in the area of—

(A) Literature

(B) Physics

(C) Chemistry



(D) Music

(E) Medical Science

Ans : (D)

33. Which of the following countries has not made any significant investment in India ?(A) Japan

(B) USA

(C) Nepal

(D) Britain

(E) France

Ans : (C)

34. Twenty-20 matches are played in the game of—

(A) Hockey

(B) Football

(C) Badminton

(D) Tennis

(E) Cricket

Ans : (E)

35. Which of the following is known as Plastic money ?

1. Demand Draft

2. Credit Card

3. Debit Card(A) Only 1

(B) Only 2

(C) Only 3

(D) Both 2 and 3

(E) All 1, 2 and 3

Ans : (D)

36. In which of the following Hindi films actor Shahrukh Khan has played the role of a

Hockey Coach ?

(A) Guru(B) Chak De India

(C) Om Shanti Om

(D) Jab We Met

(E) None of these

Ans : (B)



37. Which amongst the following nations is not a member of the SAARC ?

(A) Bangladesh

(B) Bhutan

(C) Nepal

(D) Maldives

(E) South AfricaAns : (E)

38. Which of the following organizations/bank has done a commendable work in the field

of micro finance and was awarded Nobel Prize also in the past ?

(A) Gramin Bank of Bangladesh

(B) CRY

(C) ASHA

(D) NABARD

(E) None of these

Ans : (A)

39. Which of the following is not a Public Sector Unit/Undertaking/ Agency ?

(A) ECGC

(B) SEBI

(C) SIDBI

(D) Axis Bank

(E) BHEL

Ans : (D)

40. The European Union has adopted which of the following as a common currency ?

(A) Dollar

(B) Dinar

(C) Yen

(D) Peso

(E) Euro

Ans : (E)

41. Various Govt. agencies/organizations are given responsibilities for implementingvarious policies/decisions of the Govt. of India. Policies about credit flow to the

agricultural/priority sector are framed/implemented through which of the following apex

bodies ?

(A) ECGC

(B) NABARD

(C) UTI



(D) IDBI Bank

(E) None of these

Ans : (B)

42. Which of the following is not a foodgrain ?(A) Wheat

(B) Rice

(C) Maize

(D) Jowar

(E) Cotton

Ans : (E)

43. Many a times we read in newspapers about ‘Financial Inclusion’. What does it really

mean ?

[Pick up correct statement(s)]

1. Allow the merger and acquisition of banks so that only few big banks exist and

continue to cater to the need of corporate sector.

2. Expending the network of banks in such a way that people from lower strata of society

also get the benefit of services provided by banks.

3. Providing Insurance cover to each and every citizen so that he/she can live a healthy

and long life.

(A) Only 1

(B) Only 2

(C) Only 3

(D) Both 1 and 2(E) All 1, 2 and 3

Ans : (B)

44. Which of the following is not a gallantry Award ?

(A) Vir Chakra

(B) Jeevan Raksha Padak

(C) Ashok Chakra

(D) Mahavir Chakra

(E) Saraswati Samman

Ans : (E)

45. Heavy Water is normally used by which of the following industries ?

(A) Nuclear Power generation plants

(B) Pharma Industry

(C) Paper Industry



(D) Sugar plants

(E) None of these

Ans : (A)

46. As per news items published in various newspapers, Italy has offered its help indeveloping ‘SMEs’ in India. What is the full form of ‘SME’ ?

(A) Small and Monopolistic Economy

(B) Small and Medium Enterprises

(C) Speedy and Mechanical

(D) Small and Medium Level Economy

(E) None of these

Ans : (B)

47. Which of the following indexes is developed to measure life expectancy, level of

literacy, education and standard of living of people in a country ?

(A) Inflation

(B) Sensex

(C) Human Development Index

(D) SLR

(E) None of these

Ans : (C)

48. Which of the following is a type of tax levied by the Govt. on goods and services ?

(A) SAT(B) NET

(C) PAN

(D) VAT

(E) None of these

Ans : (D)

49. Who amongst the following was made the Chairman of the National Land Reforms

Council ?

(A) Smt. Sonia Gandhi

(B) Arjun Singh(C) Pranav Mukherjee

(D) Kamal Nath

(E) Manmohan Singh

Ans : (E)

50. Which of the following is not a foreign bank working in India ?



(A) HSBC

(B) Barclays

(C) Standard Chartered

(D) Yes Bank

(E) All are foreign banks

Ans : (E)

ENGLISH:Directions—(Q. 1–15) Read the following passage carefully and answer thequestions given below it. Certain words have been printed in bold to help youlocate them while answering some of the questions.

According to the United States Environmental Protection Agency (USEPA),plastic bags are a better option than paper bags from the environment’s pointof view. Many studies comparing plastic versus paper show that plastic bags

have less net environmental effect than paper bags, requiring less energy fortransport, production and recycling and because of all these, plastic generatesless greenhouse gases. They cause less air and water pollution and can getcompressed to a small size in landfills. Plastic bags are sterile and thus are abetter option for the transportation of eatables and medicines.

However there is another side of using plastic. Plastics are manufactured frompetroleum. This brings a host of other issues e.g. destruction of habitat. Theirmanufacturing involves chemicals, many of which have not been sufficientlytested for their toxicological impact on humans and animals. Exacerbating theproblem is that science has only advanced to detect plastic components in

human bodies and then link it to human ailments and diseases. Where sciencehas been unable to help is that it has largely failed to invent a solution to thehazards caused by it. Making the situation dismal is the fact that the hazard iscloser than it appears. Teflon, PVC, Polyethylene, polystyrene in utensils andvarious silicones in hair and body care products accumulate in the body andlead to serious diseases. Plasticproducing companies are often chemicalcompanies or subsidiaries of chemical companies, both with poor track recordswhen it comes to their adherence to regulatory compliance and theirwillingness to perform toxicological analysis on the products that they make.

Plastics often drain component chemicals, including hazardous chemicals whentemperature changes beyond a certain point. It is for this reason thattoxicologists do not recommend storing very cold food in plastics or heatingfood (microwaving especially) in plastics. Also, plastics are durable materials.Thus, they are hard to eliminate once used and create tremendous waste.While some common plastics can be recycled the vast majority cannot berecycled.



Scientists suggest the use of Biodegradable plastics as an alternative to thispersisting problem. These are the plastics that can decompose in the naturalenvironment. Biodegradation of plastics can be achieved by enablingmicroorganisms in the environment to metabolize the molecular structure ofplastic films to produce an inert humus-like material that is less harmful to the

environment. They may be composed of either bio-plastics, which are plasticswhose components are derived from renewable raw materials, or petroleum-based plastics. The use of bio-active compounds compounded with swellingagents ensures that, when combined with heat and moisture, they expand theplastic’s molecular structure and allow the bio-active compounds to metaboliseand neutralize the plastic.

Various countries have been adopting different methods to discourage the useof plastic. Growing awareness in the UK of the problems caused byindiscriminate use of plastic bags is encouraging retailers to reward customerswho bring their own bags or who reuse or recycle existing bags. This is called

the ‘Green Bag Scheme’. In other countries retailers have stopped providingfree plastic bags with purchases and have been selling cloth bags for veryminimalistic prices.

1. What alternative do the scientists suggest for the problem associated withthe use of plastics ?(A) Use of biodegradable plastics(B) Treatment of hazards caused by the use of plastics(C) Strict compliance of the chemical companies to toxicological tests of theirproducts(D) Banning the use of plastic throughout the world

(E) None of theseAns : (A)

2. Why don’t toxicologists recommend the heating of food and storing of coldfood in plastic ?(A) Food stuff spoils faster in plastic containers(B) The Teflon coating in such utensils is harmful(C) Plastic containers do not undergo recommended toxicology tests(D) Plastic releases harmful chemicals at very high and low temperature(E) None of theseAns : (D)

3. According to the author, what is the problem with manufacturing plasticproducts ?(A) These products are not energy efficient(B) These products produce greenhouse gases which are harmful toenvironment(C) The chemicals involved in their production are not tested for impact onliving beings



(D) It swells as soon as it comes in contact with heat and moisture(E) None of theseAns : (C)

4. What are the author’s views about the companies producing plastic

products ?(1) These companies are mainly responsible for the hazards caused to theenvironment due to plastics.(2) Such companies are chemical companies themselves or a subsidiary of suchcompanies.(3) Such companies do not perofrm toxicological tests on their products.(A) Only (1)(B) Both (2) and (3)(C) Both (1) and (3)(D) Only (2)(E) None of these

Ans : (B)

5. What does the author mean by ‘another side of using plastic’ ?(A) These are disadvantages of using plastic(B) Using biodegradable plastic instead of non-biodegradable plastic(C) Paper bags are better option than plastic bags(D) Many retail stores sell cloth bags at lower price(E) None of theseAns : (A)

6. Why does USEPA suggest that plastic bags are a better option than paperbags ?(A) The plastic bags are inexpensive(B) Plastic bags can be tested for toxic chemicals(C) Paper bags do not generate greenhouse gases(D) Plastic bags require less energy as compared to paper for transportation,production and recycling(E) None of theseAns : (D)

7. According to the passage, in which of the following fields has science failed ?

(A) To produce biodegradable plastic(B) To popularize the use of cloth and paper bags instead of plastic(C) To strictly implement the compliance of the chemical companies totoxicological tests of their products(D) To make plastic – free hair and body care products(E) None of theseAns : (D)



8. Which steps have been taken in UK to encourage the use of alternatives toplastic bags ?(A) The UK government has banned the use of plastic throughout the country(B) The retailers in UK have been selling cloth bags at very low prices(C) The retailers reward the customers who bring their own bags or use the

recycled bags(D) The government imposes heavy fine on those using plastic bags(E) None of theseAns : (C)

9. Which of the following is not true in context of the passage ?(A) Some countries have stopped providing free plastic bags to customers todiscourage the use of plastic(B) The bio-active compound alongwith swelling agents ensure that plastic isneutralized in the presence of heat and moisture(C) Many plastic products do not undergo toxicological test

(D) Being durable, plastic creates a lot of waste(E) All are trueAns : (E)

10. Although harmful at extreme temperature, why does USEPA recommendtransport of eatables and medicines in plastic bags ?(A) Plastic bag generate less greenhouse gases which would react chemicallywith medicines, thus producing adverse effect in body(B) Plastic bags are more sterile than other available options(C) Plastic products pass through a number of toxicological testings(D) Plastic bags are easily degraded and thus cause less harm to environment

(E) None of theseAns : (A)

Directions—(Q. 11–13) Choose the word / group of words which is / are mostsimilar in meaning to the word printed in bold as used in the passage.

11. persisting(A) troubling(B) enduring(C) resisting(D) damaging

(E) harassingAns : (B)

12. exacerbating(A) executing(B) influencing(C) worsening(D) addressing



(E) decliningAns : (C)

13. drain(A) sewer

(B) waste(C) deplete(D) give out(E) outletAns : (D)

Directions—(Q. 14–15) Choose the word which is most opposite in meaning tothe word printed in bold as used in the passage.

14. dismal(A) Encouraging

(B) Prosperous(C) Glad(D) Generous(E) RespectfulAns : (A)

15. compressed(A) Extended(B) Amplified(C) Diffused(D) Intensified(E) Expanded

Ans : (E)

Directions—(Q. 16–25) Read each sentence to find out whether there is anygrammatical error in it. The error, if any will be in one part of the sentence,the letter of that part will be the answer. If there is no error, mark (E) as theanswer. (Ignore errors of punctuation, if any.)

16. He had already prepare (A) / the acceptance speech (B) / but the studentof the year award (C) / was given to Ravi. (D) No error (E)Ans : (A)

17. He placed the trophy (A) / which he had won (B) / at the most prominent(C) / place on the house. (D) No error (E)Ans : (D)

18. Fashion is very important (A) / to her and thus (B) / she selects the (C) /most popular clothes. (D) No error (E)Ans : (B)



19. After finding traces of poison (A) / in his dinner yesterday, (B) / Mohitaccused his wife (C) / of trying to cause harm. (D) No error (E)Ans : (E)

20. Sheetal bought a (A) / new car and (B) / bragged about them (C) / for

weeks to come. No error (E)Ans : (C)

21. Being more dangerous (A) / than all the criminal, (B) / he was imprisoned(C) / in a special jail. (D) No error (E)Ans : (B)

22. The mayor says that (A) / “I will consider running (B) / for commissioner’spost (C) / but I am not sure yet.” (D) No error (E)Ans : (A)

23. In an effort (A) / to make peace (B) / Priya spoke separately (C) / to boththe person. (D) No error (E)Ans : (D)

24. They had a narrow escape (A) / when skating as (B) / roaring avalanche(C) / just missed them. (D) No error (E)Ans : (B)

25. The movie star should not have (A) / allowed the press (B) / at the scenehad he (C) / known about the fuss. (D) No error (E)Ans : (A)

Directions—(Q. 26–30) Which of the phrases (A), (B), (C) and (D) given beloweach statement should replace the phrase printed in bold in the sentence tomake it grammatically correct ? If the sentence is correct as it is given and ‘Nocorrection is required’, mark (E) as the answer.

26. Ayesha spent the entire morning polishing hers new audio system.(A) Polishing her new(B) Polishing she’s new(C) Polishing her’s new(D) Polishing Ayesha’s new

(E) No correction requiredAns : (A)

27. As she grows up, she became doubtful of the existence of fairies.(A) She grown up(B) She grews up(C) She grew up(D) She growned up



(E) No correction requiredAns : (C)

28. Sneha and Shraddha need to buy watches because they are always late.(A) Those are always

(B) These are always(C) They keep always(D) There are always(E) No correction requiredAns : (E)

29. Neither the local administration nor the police authorities was aware of thetournament being held.(A) Were aware for(B) Was aware for of(C) Was aware for

(D) Were aware of(E) No correction requiredAns : (D)

30. Everyone have invested a substantial amount in the on going project but noone expects a profit.(A) did invested a(B) has invested a(C) did investing in a(D) had invested an(E) No correction required

Ans : (B)

Directions—(Q. 31–35) Rearrange the following sentences (1), (2), (3) (4), (5)and (6) to make a meaningful paragraph and then answer the questions whichfollow :(1) Today these have become an indispensable part of the lives of children andadults alike.(2) One of such effects is the radiations that are emitted as signals.(3) Ever since the advent of technology, undoubtedly, mobile phones are thegreatest of all inventions.(4) In order to prevent such ailments, Govt. should strictly regulate the service

providers.(5) But, no matter how indispensable, its negative effects cannot beoverlooked.(6) These signals cause a variety of ailments starting from hearing loss tocancer.

31. Which of the following sentence should be the FIRST after rearrangement ?(A) 1



(B) 2(C) 3(D) 4(E) 5Ans : (C)

32. Which of the following sentence should be the FIFTH after rearrangement ?(A) 1(B) 2(C) 3(D) 5(E) 6Ans : (E)

33. Which of the following sentence should be the SIXTH (LAST) afterrearrangement ?

(A) 3(B) 2(C) 4(D) 5(E) 6Ans : (C)

34. Which of the following sentence should be the THIRD after rearrangement ?(A) 1(B) 5(C) 4

(D) 6(E) 3Ans : (B)

35. Which of the following sentence should be the SECOND after rearrangement?(A) 1(B) 2(C) 4(D) 5(E) 6

Ans : (A)

Directions—(Q. 36–40) In the following passage there are blanks, each of whichhas been numbered. These numbers are printed below the passage and againsteach, five words are suggested, one of which best fits the blank appropriately.Find out the appropriate word in each case.

Many farmers who traditionally (…36…) pulses, millets and paddy have been



lured by seed companies to buy hybrid cotton seeds and other GM crops, whichwere (…37…) to make their lives easier and wealthier. Instead they (…38…)bankruptcy and ruin. Their native seeds have been (…39…) with new hybridswhich cannot be saved and need to be purchased every year at a high cost.Hybrids are also very (…40…) to pest attacks. All pesticides have to be (…41…)

from the company that sold them the seeds; there have been reports of blatantprofiteering from these companies.

We are (…42…) told that without genetic engineering and globalization ofagriculture the world will starve, it is constantly promoted as the only (…43…)available for feeding the hungry.

Everywhere, food production is becoming a negative economy, with farmers (…44…) more on buying costly inputs for industrial production than the price theyreceive for their produce. The consequence is rising debts in both rich and poorcountries. In some African countries it is cheaper to buy foreign sugar and

coffee than it is to buy locally produced goods. This is because of overproduction and subsidies in the West which means that they then dump thesegoods on Africa (…45…) local markets.

36. (A) developed(B) cultivated(C) germinated(D) made(E) yieldedAns : (B)

37. (A) probably(B) specified(C) designated(D) supposed(E) thoughtAns : (D)

38. (A) undergo(B) disclosed(C) approached(D) tackling

(E) facedAns : (E)

39. (A) supplied(B) converted(C) replaced(D) reduced(E) damaged



Ans : (C)

40. (A) vulnerable(B) tender(C) dangerous

(D) tempted(E) likelyAns : (A)

41. (A) purchased(B) bribed(C) adopted(D) buy(E) sprinkledAns : (A)

42. (A) reiterated(B) repeatedly(C) continuous(D) numerously(E) muchAns : (B)

43. (A) thing(B) food(C) progression(D) tendency

(E) alternativeAns : (E)

44. (A) generating(B) expanding(C) spending(D) consuming(E) earningAns : (C)

45. (A) ruining

(B) eradicating(C) helping(D) facilitating(E) washingAns : (A)

Directions—(Q. 46–50) Each question below has two blanks, each blankindicating that something has been omitted. Choose the set of words for each



blank that best fits the meaning of the sentence as a whole.

46. The statement said that the conference would be ……… a considerable time……… the global economic crisis.(A) having, thinking

(B) passing, debating(C) spending, discussing(D) expending, arguing(E) exhausting, analyzingAns : (C)

47. After being taken away from his parents at a ……… age, the boy had a very……… life.(A) young, difficult(B) early, leisurely(C) small, distinction

(D) tender, deterrent(E) advanced, restrictAns : (A)

48. Even …………… the period of recession, he got a good job ……………… nothaving much experience.(A) on, even though(B) in, instead(C) while, inspite(D) during, despite(E) although, almost

Ans : (D)

49. After having ……… the news of their son’s excellent result in exams, theycame over as …… as possible.(A) enjoyed, earlier(B) heard, quickly(C) surprised, running(D) shocked, fast(E) realized hurriedlyAns : (B)

50. Although unrecognised …… his life, his talent was much ……… after hisdeath.(A) entire, adored(B) all, realized(C) whole, worth(D) almost, valued(E) throughout, appreciated



Banking Abbreviations

Sl. No.

Short Form Full Form

1 SIDBI Small IndustriesDevelopment Bank of India

2 TFCI Tourism FinanceCorporation of India Limited

3 PFCL Power Finance CorporationLimited

4 SFC State FinancialCorporation

5 SIDC State IndustrialDevelopment Corporation

6 NEDFI North-Eastern DevelopmentFinancial Institution Ltd.

7 NBFC Non-Banking FinancialCompanies

8 HDFC Housing DevelopmentFinance Corporation Limited

9 HUDCO Housing and UrbanDevelopment CorporationLimited

10 RRB Regional Rural Banks

11 NABARD National Agriculture and

Rural Development Bank

12 NDTL Net Demand andTime Liabilities

13 EXIM Bank Export Import Bank

14 CD Certificate of Deposit



15 CASA deposits Current Account andSavings Account deposits

16 IBA Indian Bank Association

17 KYC Know Your Customer

18 FEMA Foreign ExchangeManagement Act

1 CPC Credit Policy Committee

2 CD Ratio Credit-Deposit Ratio

3 BCBS Basel Committee for Bank Supervision

4 CAR Capital Adequacy Ratio

5 CMRD Credit Risk ManagementDepartment

6 CIR Credit Information Report

7 LBS Lead Bank Scheme

8 ANBC Adjusted Net Bank Credit

9 CEOBSE Credit Equivalent of Off-Balance Sheet Exposure

10 RIDF Rural InfrastructureDevelopment Fund

11 CIBIL Credit Information Bureau

of India Limited

12 NPI Non-PerformingInvestments

13 PDAI Primary DealersAssociation of India



14 FIMMDA Fixed Income Money Marketand Derivatives Association of India

15 YTM Yield to Maturity

16 MICR Magnetic Ink CharacterRecognition

17 RTGS Real Time GrossSettlement

18 NEFT National Electronic FundsTransfer

19 ECS Electronic Clearing

Service

20 AMFI Association of MutualFunds in India

Union Bank of India Probationary Officers Exam 2010 Solved Paper

General Awareness(Exam Held on 9-1-2011)

1. The eleventh ‘five year plan’ of India is for the five years ranging from—(A) 2009–2014(B) 2008–2013(C) 2007–2012

(D) 2006–2011(E) None of theseAns : (C)

2. DSCR indicates the ability of a company to—(A) Meet its current liabilities(B) Service its shareholders(C) Meet its long term debt obligations

https://lh5.googleusercontent.com/-cT5c3fg3B3s/TXN6khZ_hAI/AAAAAAAAAWg/Od8SfuCULjE/s1600/Union+Bank+of+India.jpg



(D) Raise further capital(E) None of theseAns : (C)

3. An IPO is—

(A) Initial price offered by a private limited company to its shareholders(B) An offer by an unlisted company for sale of its shares for the first time tothe public(C) Used to increase the share capital of an unlisted company(D) A book building process(E) None of theseAns : (B)

4. A decreasing current ratio indicates—(A) A stable liquidity(B) An increasing liquidity

(C) A strained liquidity(D) Satisfactory current solvency(E) None of theseAns : (E)

5. Private equity investors, invest in a company based mainly on—(A) The age of the company(B) The location of the company(C) The activity undertaken by the company(D) The creditability and the valuation of the company(E) The existing profitability of the company

Ans : (E)

6. The synagogue is generally—(A) An epic(B) A religion(C) Jewish House of Prayer(D) The Parsi temple(E) A palaceAns : (C)

7. Deuce is a team used in—(a) Polo(b) Lawn tennis(c) Badminton(d) Boxing(e) Volley ball(A) a, b, c(B) b, c, d



(C) c, d, a(D) a, b, e(E) b, c, eAns : (E)

8. ISI is the intelligence agency of—(A) United Kingdom(B) United States of America(C) Israel(D) Pakistan(E) IndiaAns : (D)

9. Air Traffic Controller's job involves—1. Control of air traffic in and within vicinity of airport2. Control of movement of air traffic between altitude, sectors and control

centres3. Following established procedures and policies for air traffic control4. Control of commercial airline flights according to government regulations5. To authorize and regulate commercial airline flights(A) 1, 2(B) 2, 3(C) 1, 2, 3, 4(D) 1, 2, 3, 4, 5(E) 3, 4, 5Ans : (A)

10. Animal assisted therapy is employed in—(A) Operations(B) ICU(C) Old age homes(D) Training animals(E) Natural healingAns : (D)

11. In broad gauge, the distance between the rails is—(A) 1•00 metre(B) 3 metre

(C) 1•67 metre(D) 2•67 metre(E) 0•76 metreAns : (C)

12. Who is Indra Nooyi ?(A) CEO Coca Cola(B) CFO PepsiCo.



(C) Managing Director Nano Division(D) India's permanent representative to UNO(E) None of theseAns : (B)

13. ET Now and CNBC TV18, TV Channels essentially broadcast—(A) English News(B) Classic English Movies(C) Political Events and News(D) Business and Economic News(E) All important national and international news in EnglishAns : (D)

14. Amongst the following sportsmen/women, who has won the first gold medalat Guangzhou Asian Games ?(A) Yuan Xiachao

(B) Wang Migluen(C) Zhu Oianward(D) Takeshi Matsuda(E) Wu JingbiaoAns : (A)

15. With which one of the following fields was Satyajit Ray associated ?(A) Films(B) Sports(C) Social Work(D) Drama

(E) Short StoriesAns : (A)

16. ‘Daniel Vettroi’ is captain of which one of the following teams ?(A) New Zealand Cricket Team(B) South Africa Cricket Team(C) New Zealand Basket Ball Team(D) West Indies Cricket Team(E) Australia Cricket TeamAns : (A)

17. Who amongst the following carried Indian Tricolour at Guangzhou AsianGames ?(A) Sania Mirza(B) Saina Nehwal(C) Gagan Narang(D) Suranjay Singh(E) Randhir SinghAns : (C)



18. Financial ratio analysis of a company helps in understanding—1. The long term debt raising capacity2. The short term solvency3. The reasons for fluctuation in its stock prices

4. The net worth of the company5. The profitability(A) 1, 2, 3, 4(B) 2, 3, 4(C) 3, 4, 5(D) 3, 1, 2, 4(E) 1, 2, 4, 5Ans : (E)

19. Human breath is visible in winter but not in summer because—(A) The difference in outside pressure gives visibility to breath

(B) Breath contains certain impurities and visible matters(C) Water vapour in breath condenses in cold air, making it visible(D) Breath has heat in it which evaporates in cold air giving visibility(E) None of theseAns : (D)

20. Which of the following is/are not the names of Seven North-Eastern States ?1. Jorhat2. Manipur3. Meghalaya4. Agartala

5. Dimapur(A) 1, 2, 3(B) 2, 3, 4(C) 3, 4, 1(D) 1, 4, 2(E) 1, 4, 5Ans : (E)

21. According to a recent newspaper survey, which one of the following is themost preferred language for leisure reading among the Indian Youth ?(A) Hindi

(B) Marathi(C) Bengali(D) Telugu(E) EnglishAns : (E)

22. Who was Dr. C. Rangarajan ?(A) Chairman, PMEAC



(B) Member, Planning Commission(C) Chief Economist, IBA(D) RBI Governor(E) Member, Minority CommissionAns : (D)

23. Which of the following is an oilseed ?(A) Garlic(B) Clove(C) Cardamom(D) Cumin Seed(E) MustardAns : (E)

24. The RBI reviews its credit and monetary policy at regular intervals and alsoin between. What is the purpose of the same ?

1. To ensure that inflation does not cross the limit2. To ensure that banks have enough liquidity3. To ensure that cost of the fund does not reach a very high level(A) Only 1(B) Only 2(C) All 1, 2 and 3(D) Only 2 and 3(E) None of theseAns : (C)

25. The name of the white revolution is associated with—

(A) J. V. Narlikar(B) J. C. Bose(C) Kurien Verghese(D) M. S. Swaminathan(E) C. RangarajanAns : (C)

26. The cabinet committee recently approved the ‘IGMSY’ a scheme for thewelfare of the people of India. Who amongst the following will get the benefitof the scheme ?(A) Mothers and pregnant women

(B) Children upto 12 years of age(C) Youth(D) Old and Senior Citizens(E) All the aboveAns : (A)

27. The Govt. of India provides direct financial support to which of thefollowing schemes ?



(A) Jeevan Bharati Scheme(B) ULIP(C) Sampoorna Grameen Rozgar Yojana(D) Packing Credit Guarantee Scheme(E) All of the above

Ans : (C)

28. Who amongst the following is a famous Urdu author/poet who receivedJnanpith Award recently ?(A) Akhlaq Khan Shahryar(B) ONV Kurup(C) Khushwant Singh(D) Krishna Sobti(E) None of theseAns : (A)

29. Who amongst the following is the author of the Book ‘A Bend in the River’ ?(A) V. S. Naipaul(B) Arun Shourie(C) Octavia Paz(D) Daniel Defoe(E) Walter ScottAns : (A)

30. Which of the following is called the pink city of India ?(A) Kolkata(B) Lucknow

(C) Kota(D) Hyderabad(E) JaipurAns : (E)

31. Which of the following states got a new Chief Minister without newassembly elections ?(A) Goa(B) Madhya Pradesh(C) Jharkhand(D) Gujarat

(E) DelhiAns : (C)

32. A two days National level conference/event was organised in Chandigarh inSeptember 2010. Which was the conference / event ?(A) Miss India 2010(B) Asian Women Hockey Finals 2010(C) Conference of the Finance Ministers of SAARC



(D) National Rabi Conference(E) None of theseAns : (E)

33. Which of the following Summits took place in Hanoi in October 2010 ?

(A) ASEAN Summit(B) SAARC Summit(C) G-20 Summit(D) G-8 Summit(E) None of theseAns : (A)

34. The Reserve Bank does not have an office in—(A) Kanpur(B) Jaipur(C) Lucknow

(D) Bhopal(E) GulbargaAns : (E)

35. A Badminton player is supposed to know the meaning of the term—(A) Bouncer(B) Love(C) LBW(D) Punch(E) BoosterAns : (B)

36. Who amongst the following is the receipient of the Rajiv Gandhi Khel RatnaAward 2010 ?(A) Ishant Sharma(B) Hariom Singh(C) M. S. Dhoni(D) Sushil Kumar(E) Saina NehwalAns : (E)

37. India extended a credit of US $ 250 million to which of the following

countries, which will be used for infrastructural development there ?(A) China(B) Pakistan(C) Myanmar(D) Nepal(E) SudanAns : (D)



38. Which one of the following makes a case for intensive, modern farming ?(A) Higher output using organic method(B) Remunerative price(C) Cropping pattern(D) Land acquisition for nonagricultural needs

(E) None of theseAns : (C)

39. In which one of the following States multi-thousand-foodgrain scam hasrecently been noticed by the High Court ?(A) M. P.(B) Orissa(C) Bihar(D) Jharkhand(E) U. P.Ans : (C)

40. Which one of the following is the objective of Corporate SocialResponsibility (CSR) issued by the Government ?(A) To ensure that Companies take steps for rehabilitation of project affectedpeople(B) To ensure that Companies use some of their profits for educating theproject affected people(C) To ensure that Companies provide health care to project affected people(D) To ensure that Companies take preventive measures to avoid environmentaldamage(E) None of these

Ans : (A)

41. A hockey player is supposed to know the meaning of the term—(A) Dead Ball(B) Bouncer(C) LBW(D) Penalty Corner(E) Frozen BallAns : (D)

42. Which one of the following have provided bailout package to Ireland to deal

with its debt crisis ?(A) EU only(B) IMF only(C) World Bank only(D) Only (A) and (B) above(E) All (A), (B) and (C) aboveAns : (D)



43. Which one of the following Indian Company is the only company from Indiato be included in the Top Ten 2010 Value creators Global Ranking released byglobal management consulting firm BCG ?(A) RIL(B) Tata Steel

(C) Bharti Airtel(D) JSPL(E) Bajaj AutoAns : (D)

44. Which one of the following has launched guidebook on standards forexporters ?(A) RBI(B) SEBI(C) IBA(D) UNIDO

(E) UNESCOAns : (D)

45. BIPA with Sudan comes into effect was the news in various newspaperrecently. It is an agreement for—(A) Investment in a country(B) Peaceful use of atomic power(C) Allowing students to visit each other's nation(D) Allowing people to come for medical treatment(E) To form an alliance with each other in case of a warAns : (A)

46. In which one of the following sports Sandhya Rani Devi bagged Silver inAsiad 2010 Games ?(A) Shooting(B) Squash(C) Taekwondo(D) Ten-pin bowling(E) WushuAns : (E)

47. Which of the following terms is normally not seen in the field of

International Relations ?(A) Exchange Rate(B) Free Trade(C) MFN(D) Alluvial Soil(E) OECDAns : (D)



48. According to mid term review of Indian economy, which one of thefollowing segments will be the major contributor to GDP growth ?(A) Agriculture(B) Industry(C) Services

(D) Mining(E) None of theseAns : (C)

49. Which of the following films directed by Aamir Khan was sent for OSCARsAward nominations from India ?(A) Rang De Basanti(B) Peepli Live(C) Tare Zamin Par(D) Lagan(E) None of these

Ans : (B)

50. In which one of the following states, population growth rate is lower thannational average ?(A) Delhi(B) Gujarat(C) Chhattisgarh(D) Himachal Pradesh(E) OrissaAns : (E)

Documents

GURGAON GRAMIN BANK PO EXAM 2010 SOLVED PAPER.doc