MONTHLY ISSUE - OCTOBER - 2015 CurrVanik’s ent Affairs

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Venezuela Caracas Bolívar fuerte

To be continued..... MAGAZINE FOR THE MONTH OF OCTOBER - 2015

VANIK’S MAGAZINE FOR THE MONTH OF OCTOBER - 2015

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Vanik Publications

EDITOR Dear Students, Mr. Pramod Padhi ASSOCIATE EDITORS “Knowledge in Power” is an age old saying having universal relevance. Satabdi Sagar Mohanty Samarendra Narayan Sahoo Through this Monthly Current Affairs Magazine we are trying our best to be a ADVISORS facilitator cum mentor in your journey to be knowledgeable. Warm response of our G. Khatua B. R. Das reader is the biggest encouragement that encourage our team for more perfection. PUBLISHING MANAGER This issue also contains a special section for the coming OPSC Civil Service Exam., Smrutiranjan Chhatoi where the recently launched socio-economics developmental programmes launched DESIGNING & LAYOUT by the India and Odisha Govt. has been compiled by our Editor Pramod Padhi Vijaya Moharana

Publisher : Subrat Kumar Chhatoi with added features I hope the Magazine will help in enriching your level of Printed and Published by : Vanik Publication Printed at : knowledge.

Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar Website : www.vanik.org | Phone : 0674-6556677, 8093-556677 ______© Copyright Reserved  No part of this magazine can be printed in whole or part without the written permission of the publisher. Best of Luck  The editor and publisher have tried their best to verify the factual accuracy of the Subrat Kumar Chhatoi informations published, but do not take any responsibility for the absolute accuracy of the informations in the magazine. All disputes subject to Bhubaneswar (Odisha) Jurisdiction.  CONTENTS

Topics Page No Events of the Month 4  International news 8  National news 11  Bilateral 14  Economy and Banking 16  Award and Honour 19  Book and Author 20  Person in news 21  Places in news 23  Sports 24  Science and Technology 25  Environment and Ecology 26  Defence 26  Recent Summit in News 27  Committee and its Function 27  International and National institution 28  Recent visit and visitor 29  Date and Observation 29  State news 30  Recent government devlopement and scheme 32

 200 MCQ current affairs 34  40 MCQ of Computer 43

 Abbreviation 44  Descriptive English 45  Word of the Month 46  Banking Terminology 47

 Miscellaneous G.K. for SSC and Railway 48  Practice Set : IBPS-PO-Preliminary -1 52 IBPS-PO-Preliminary -2 60 IBPS-PO-Main 68  Who’s Who? 88  One Liner 86  OPSC CSE-2015 Special Volume-1 (Analysis of Syllabus) 90 MAGAZINE FOR THE MONTH OF OCTOBER - 2015 EVENTS OF THE MONTH

 Distribute non-risk sharing simple financial products AYMENTS BANKS : NEW ERA IN like mutual funds and insurance products P What They Cannot Do INCLUSIVE BANKING  Issue credit cards  Undertake lending services Reserve Bank of India, has granted ‘in-principle’ approval to  Open accounts for NRIs 11 out of the 41 applicants to set up payments banks – first This approval is another step towards launching inclusive such differentiated banks in the country.The ‘in-principle’ banking in India. approval granted will be valid for a period of 18 months, during which time the applicants have to comply with the requirements under the guidelines and fulfil the other INDIA & BANGLADESH - LAND conditions as may be stipulated by the Reserve Bank. Draft guidelines for payments banks were issued last BOUNDARY AGREEMENT November. The idea is to encourage small savings, meet credit On Midnight of 31st July 2015 the long awaited India, and remittance needs of migrant work force, small Bangladesh Land Boundary Agreement came in to force businesses, unorganized sector, low income households and benefiting thousands of people living on statelessness for farmers in underbanked locations. Payments banks are many decades. expected to make financial transactions like utility bills –  A Parliamentary Standing Committee on External currently possible via internet or at physical centres – and Affairs presented Constitution (119th Amendment) banking services like cash deposits or ATM transactions – Bill, 2013 to give effect to the India-Bangladesh Land now done at brick-and-mortar branches. Boundary Agreement (LBA). Meanwhile, RBI said, on fulfilling the requisite ‘in-principle’  This Standing Committee was headed by Congress conditions, it will consider granting them licences to MP Shashi Tharoor. commence banking business. Until a regular licence is issued,  The committee in its report has mentioned Passage the applicants can not undertake any banking business. of this Bill is a national interest and will pave way Differentiated banking entails going beyond the current for broader ties with the neighboring country. universal banking framework to serve specific purposes. The  The Constitution (119th Amendment) Bill, 2013 aimed move to allow them came after RBI found just two entities- to ratify the LBA between India and Bangladesh IDFC and Bandhan from over 24 applicants – eligible for under the Indira-Mujib pact of 1974 to exchange setting up commercial banks. The central bank issued in- areas and people on either side of the border. principle approval to the following for Payment Bank :  On 16th May 1974, soon after the independence of 1. Reliance Industries Bangladesh the LBA was signed between India and 2. Aditya Birla Nuvo Bangladesh in order to find a solution to the complex 3. Vodafone nature of border demarcation. This pact was ratified 4. Airtel by Bangladesh government in 1974. 5. Department of Posts  In 1974, in India Cabinet had granted approval to 6. Cholamandalam Distribution Services this pact but was not ratified as it involved cession 7. Tech Mahindra of territory. 8. National Securities Depository Ltd.  As per the provision of pact, India will exchange 9. Fino PayTech 111 enclaves measuring 17,160 acres with 10. Sun Pharma’s Dilip Shantilal Shanghvi Bangladesh and receive 51 enclaves covering 7,110 11. Paytm’s Vijay Shekhar Sharma acres. What They Can Do  The territories involved in the exchange are in  Accept demand deposits, remittance services, Assam, West Bengal, Meghalaya and Tripura in internet banking the Indian side.  Hold a maximum balance of Rs. 1 lakh per customer  Issue ATM/debit cards, prepaid payment instruments

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Relations with Bangladesh have seen phases of ups and The government also announced that it had hired two downs, despite widespread acknowledgement of and professionals from the private sector – P.S. Jayakumar from appreciation for the role India played during the Bangladesh VBHC Value Homes as the MD and CEO for Bank of Baroda War of Liberation in 1971. From time to time, the irritants in and Rakesh Sharma from Laxmi Vilas Bank as MD & CEO of our relations with Bangladesh have arisen out of the anti- Canara Bank. In addition, former independent director of Infosys Ravi India activities by the Indian insurgents from the Bangladesh Venkatesan is among the newly appointed non-executive soil, illegal migration from Bangladesh to India, causing social Chairman. He has been appointed to the Bank of Baroda. tensions in North East, smuggling across the unsettled For some years, as the banks have been facing a challenging borders, sharing of water from common rivers, particularly situation but there is no cause for panic or alarm addressing Teesta etc. During the past few years, Sheikh Hasina’s the stress in banks also requires addressing the problems of Government has adequately addressed India’s security the sectors causing this stress such as power, steel, related concerns; there has been a perception in Bangladesh highways, discoms and to some extent sugar. that Bangladesh has not been compensated adequately in Financial Services Secretary Hasmukh Adhia said, “The return. It is against this brief backdrop Modi undertook an Government has issued a circular that there will be no interference from it and banks are encouraged to take their official visit to Bangladesh (June 6-7, 2015) just after decisions independently keeping commercial interests in completion of his first year as Prime Minister. The spotlight mind a clear distinction between interference and intervention during the visit was justifiably on the Land Boundary has been made. Agreement, which was signed as early as 1974 but the Banks have also been asked to build robust grievance successive Governments in India could not push its redressal mechanisms for customers and staff. ESOPs are ratification in Parliament for a variety of reasons, including also being considered for the top management of PSU banks. the reservations from the State Governments, particularly The govt. said that as per the latest figures the gross NPAs West Bengal and Assam. The manner in which Modi arising out of the infrastructures sector have reached Rs. mobilized the opinion at the Centre and in the States 32,000 crore and the GNPAs of the iron & steel sector are at th Rs. 31,000 cr. To de-stress the banks, the government stressed facilitating unanimous passage of the 119 Constitution the need to develop a vibrant corporate debt market and Amendment Bill paving the way for the ratification of the strengthen existing asset reconstruction companies. Agreement of 1974 and its Protocol of 2011 in the two Houses The banks, will need a total of Rs. 1,80,000 crore over the of Parliament is commendable. The LBA not only settles the next four years to meet their capitalization needs and the 4096km of boundary between the two countries and gives a revamp plans announced will make raising the balance Rs. new identity to over 50000 persons, living in Indian/ 1,10,000 crore from the markets easier. Bangladesh Enclaves, it has several other positive fall outs Significantly for banks, the government announced a new as well, the most important being the effective border 100-point framework of Key Performance Indicators to management to check activities of insurgents, human measure the performance of PSU banks. Twenty five points each will be allocated to ‘Efficiency of capital use’ and ‘Growth trafficking, illegal migration, smuggling etc. processes’, while 15 points each will be allocated to ‘NPA management’ and ‘Financial Inclusion’. The remaining 20 points will be for qualitative parameters such as improvement PROJECT INDRADHANUSH : of external credit rating. STRENGTHENING INDIAN BANKING SECTOR MONETARY POLICY The Union government has announced a seven point action COMMITTEE plan, Indradhanush to infuse professionalism and fresh The UPA regime had set up the FSLRC under Justice B.N. capital in to public sector banks. Srikrishna to review and simplify over 60 laws governing the As part of the plan, the government announced the setting up of Bank Board Bureau (BBB) that will give way to holding financial sector. As pointed out by Bibek Debroy, the company to which the Centre will transfer it ownership of all preamble to the act governing the RBI confers on India’s these banks. central bank a temporary status that continues even now. The BBB will be headed by a Chairman and will comprise six The FSLRC has been assigned the following tasks – other members – three government officials and three experts, consumer protection, micro prudential regulation, resolution, two of which will be from the private sector. It will make capital controls, systemic risk, development and recommendations for senior appointments and also advise redistribution, monetary policy, public debt management, banks on strategies for consolidation among them including contracts, trading and market abuse. mergers and acquisitions.

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The FSLRC report is exhaustive and the commission thinks institutional framework, reduces government’s it is better to have non-sector laws that are prudent compared ability to influence one individual, dilutes ability of to the present sectoral laws and advocates principle-based one person on key decisions, forces debate and laws. Having a strong independent regulatory system is key increases accountability. and FSLRC has developed a framework for regulators involving a single framework for governance across all UAN DEVALUATION : BEGNING regulators rather than developing specific ones. This brings Y consistency and regulator accountability. OF CHINESE FALL OR STRATERGY It is in this framework that the current headlines on Governor’s power dilution need to be examined. The FSLRC has TO INTERNATIONALIZE YUAN recommended setting up a Monetary Policy Committee In a surprising move, the People’s Bank of China devalued (MPC), comprising chairperson (Governor), one executive the Chinese renminbi (Yuan) by nearly 3 percent between member of the board, plus five persons nominated by the August 11 and 13. Its value depreciated from 6.209 per dollar government, two in consultation with the chairperson. The to 6.398 per dollar. government can also nominate an observer. The governor With the devaluation, China’s manufactured products are can overrule the committee’s recommendations, which going to get cheaper. In other words, with one U.S. dollar otherwise should be based on consensus or majority and whose value relative to renminbi increased from 6.2 to 6.4 the voting details must be made public. In case of a tie, the following devaluation – one can now purchase more Chinese Governor has the casting vote. goods than before. This is in line with international practices where the policy The devaluation announcement came within days of China’s rate is set by a committee rather than one person, is export figures for July recording a negative growth, owing independent and the votes and suggestions are disclosed. mainly to the slow pickup in demand from developed-country In the US, a 12-member group takes decisions by consensus. markets. Naturally enough, one interpretation was that the In the UK, the 9 member committee decides based on a devaluation was an attempt by the Chinese authorities to majority with each member carrying one vote. boost export demand for its manufactured goods. Some What can be done to make this effective? commentators argued that the Chinese action might trigger a  As a democratic country, it is better to have a new global currency war where other countries to devalue collective decision than an individual no matter how their currencies to compete with China – as had happened brilliant or competent. during the Great Depression of the 1930s.  A committee is better placed to withstand political Reason to devalue pressure particularly prior to an election. The People’s Bank of China (PBOC), China’s central bank,  None of the members should be government soon stepped in to clarify. It said that the devaluation marked employees or be involved in political activity and the transition to a flexible, more market-based system of should have no conflict of interest with their determining China’s exchange rates. In contrast, the system position. The worries are that these positions would that existed until now was one in which the value of the be taken by retired bureaucrats and hence subject Chinese currency (especially in relation to the U.S. dollar) to traditional pulls and pressures. A suggestion had largely been fixed by the government. could be to exclude retired bureaucrats. If PBOC’s claims are true, it is likely to be a component of a  Government nominee as an observer which adds to larger, national strategy to internationalise the renminbi. the pressure could be dispensed with. China wants to see the renminbi emerge as a currency for  The recommendation of providing for judicial review international trade and finance, like the USA dollar. It also needs to be reconsidered. Having judicial review plans to build Shanghai into a global financial centre, rivaling means decisions can be questioned and makes for Washington. As a preliminary step, China is trying to get the risk averseness than decision-making. The only area renminbi included in the basket of currencies in International that judicial review may be appropriate is if there is Monetary Fund (IMF)’s Special Drawing Rights (SDRs). The conflict of interest and even here safeguards to IMF has set a precondition that China should remove avoid needless dragging of MPC members to court restrictions on foreign capital flows and shift to a flexible must exist. exchange rate system. Expectedly, the IMF welcomed PBOC’s  The term of the MPC is 4 years which needs to be announcement. considered and probably needs to be much longer. It is to be noted that China has had strict controls on foreign The ‘apparent’ dilution of powers are clearly there capital movements across its borders. Such controls have but this is a robust structure which builds in an been effective in filtering out volatile, short-term capital flows,

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 6 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 which are often harmful to the economy, while at the same value of its currency in relation to other global currencies. time encouraging Foreign Direct Investment (FDI). This is obviously possible only where the government either China’s remarkably fast export-led economic growth during completely or partially determines exchange rate movements. the 2000s occurred in an enabling environment provided by Depreciation, on the other hand, is a lowering in the value of a stable exchange rate and tight capital controls. In fact, the a currency vis-avis others as a result of market forces. stability in China’s currency rate has been a factor that helped Why would a country devalue its own currency? other East Asian economies to achieve steady and fast The reasons lie in the anticipated effects of devaluation. growth. When a country devalues its currency, it effectively makes All this, however, has come at a cost. To maintain a stable its exports cheaper for foreign buyers. For instance, if a dollar exchange rate, China has been investing a significant part of is worth Rs. 50, then something that is priced at Rs. 50 would its foreign exchange earnings in U.S. treasury bonds, despite be worth a dollar. Now, if the exchange rate was changed to their very low returns. Beijing has thus been effectively Rs. 100 to the dollar, the same item could now be sold for 50 transferring a share of its hard-earned savings to the U.S. cents. This makes the country’s exports globally more This, in turn, has fuelled consumption demand in the U.S., competitive, which should lead to an increase in demand helping it overcome the problems caused by trade and and hence to more exports. Similarly, the devaluation makes government-budget deficits. imports costlier, hence reducing it. In cases where imported China’s strategy to break free of its mutually dependent goods compete with domestic ones, domestic producers get relationship with the U.S. has multiple prongs. One, China an edge as demands for their products rise. The combined aims to derive its future growth more from domestic markets effect should be to boost domestic production through an and services rather than from exports of cheap manufactured export-led strategy. goods. Two, Beijing is trying to strategically deploy its large foreign exchange assets into initiatives such as Asian Does it always work like this? No, Several factors could upset these theoretical equations. Infrastructure Investment Bank (AIIB) and the ambitious ‘One Belt One Road’ project. It would also like to replace the ‘dollar- For instance, if the demand for the country’s exports is price inelastic, that is it does not change due to changes in prices, zone’ in East Asia with a viable ‘renminbi zone’. By opening the doors to global finance as part of its plan to the devaluation won’t boost exports. The same is true of internationalise its currency, China, however, may be imports. In India’s case, say, a depreciating rupee does not forsaking the very stability that has been the hallmark of its lower our demand for oil, so all it does is to boost the oil economic ascent. The boom in its stock markets and the import bill. Apart from price elasticity, the devaluation could subsequent crash after devaluation is clearly a sign of things fail to work as intended also due to say a global recession, to come. Many Chinese firms are highly indebted. According which offsets the effects of the weaker currency by lowering global demand. It is also possible that a devaluation by one to one estimate, China’s debt to GDP (Gross Domestic Product) ratio is as high as 282 percent. China has also country triggers a ‘currency war’ with its main competitors witnessed substantially large outflows of foreign capital this also devaluating their currencies or letting it depreciate. year. Hence, the competitive edge gained is lost and the only ones celebrating are consumers in countries who import from these China’s economic and investment growth has slowed down in recent months. The country has poured billions of dollars countries, as their imports get cheaper. into investments in infrastructure and other basic industries, What effect does a devaluation have on portfolio investors? especially after the 2008 global economic downturn. But this It sharply reduced their earnings measured in their own has not been matched by rising demand for these industries, currency. Consider the case of a portfolio investor who put, either domestic or foreign, leading to the creation of excess say, a million dollars into the Indian market when the exchange capacities. For instance, the rising numbers of unsold flats rate was Rs. 60 to the dollar. This translates into Rs. 6 crore. have resulted in a slowdown in construction activities and a Let’s assume it earns a 10% return on this money over a year. reduction in the demand for its steel and cement industries. So the total value of its holdings are now Rs. 6.6 crore. If the Wholesale prices in the country have been on a downward exchange rate in the meantime has moved to Rs. 66 to the spiral. The slowdown in China is threatening economic dollar, this is still worth only a million dollars. In short, the prospects in many other parts of the world too, particularly exchange rate change has wiped out all its earnings. in countries that are suppliers of commodities to China. How does the devaluation of the yuan effect India? Is devaluation the same as depreciation? India could lose on both counts. As a country that competes No, While many people use the two terms interchangeably, for exports with China on sectors like textiles, it could be hit. this is not correct. Devaluation of a currency is a conscious Equally, it could be hit if China’s imports come down decision by the government of that country to lower the significantly.  B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 7 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 INTERNATIONAL NEWS

Ranil Wickremesinghe sworn in as Sri Lanka PM Pakistan and Russia signed defence agreement that includes Ranil Wickremesinghe was sworn in as Sri Lanka’s Prime Minister the sale of four Mi-35 helicopters for the fourth time following his party’s victory in the Pakistan and Russia signed a landmark defence agreement that parliamentary polls, as the country’s two major political parties includes the sale of four Mi-35 Hind E attack helicopters to signed a power- sharing deal to form a national unity Pakistan. The agreement was signed by top defence officials from government. He was administered the oath of office by President Pakistan and Russia in Rawalpindi. Both countries were negotiating Maithripala Sirisena at the oath taking ceremony held at Presidential for this deal since 2014. It is after the visit of the Chief of Pakistan Secretariat in Colombo. Immediately after oath taking ceremony, Army Staff General Raheel Sharif to Russia in June 2015, that two main parties in the country Sri Lanka Freedom Party (SLFP) Russia sent a draft contract for the delivery of four Mi-35M Hind and the United National Party (UNP) inked a Memorandum of E combat helicopters to Pakistan. The Mi-35 helicopter is an Understanding (MoU) to form national unity government and work exceedingly modernised version of the Mi-24 (Hind) combat together in the parliament. Ranil Wickremesighe has held the helicopter with new onboard equipment and avionics. It also has a position of Prime Minister of the country on three earlier occasions more powerful engine and a different tail rotor. i.e. in 1993-94, 2002-2004 and from January 2015 to August 2015. China, Pakistan signed deals worth 1.6 billion US dollars Greek prime minister has announced his resignation to implement CPEC Greek Prime Minister Alexis Tsipras has announced his resignation Firming up their cooperation to build the USD 46 billion economic in a televised address to the debt ridden nation which is centre of corridor through PoK, China and Pakistan signed 20 more Eurozone crisis. Mr. Tsipras resigned in order to defend the agreements worth USD 1.6 billion to implement the ambitious country’s massive new 86 billion euro bailout programme which CPEC project. The two countries signed 20 cooperation agreements, had triggered a rebellion within his own left-wing Syriza party. He worth 10.35 billion yuan (USD 1.6 billion) and issued the “Karamay was elected as Prime Minister after his left-wing party had emerged Manifesto” on the China-Pakistan Economic Corridor (CPEC), a victorious in general election held in January 2015. Mr. Tsipras’s major project under China’s Belt and Road Initiative. The this decision leaves Greece in the hands of a caretaker government agreements were signed at the CPEC Forum held at Karamay city until the election to elect new government takes place which is in Xinjiang province bordering Pakistan-occupied Kashmir (PoK). expected to be held on September 2015. Egypt unveiled New Suez Canal expansion Lahore High Court banned film ‘Phantom’ from release in Egypt unveiled a major expansion of the new Suez Canal. Egyptian Pakistan President Abdel Fattah al-Sisi inaugurated it in a ceremony. After a plea urged by Jamaatud Dawa (JuD) chief and Mumbai The traffic that passes through the canal will be uplifted by this attack mastermind Hafiz Saeed Pakistan’s Lahore High Court new waterway. With an estimated cost of 8 billion US dollars, the banned the release of Bollywood movie ‘Phantom’ in Pakistan. It project got completed in one year span. In August 2014, the project also banned its airing on the cable networks and its sale in the form was initiated for the expansion of the Ballah Bypass. of CDs. The petitioner in his plea argued that the film set on post- 70th Hiroshima Day observed to commemorate dropping of 26/11 attacks contains filthy propaganda against him and his outfit. Atomic bomb on Hiroshima The film could be a direct threat to his life as the dialogues of the On 6th August 2015, 70th Hiroshima Day was observed. Addition film could poison the minds of the public. of names of survivors on the cenotaph of the Peace Memorial Park Bangladesh became first country to receive funds from UN of the explosion called the hibakusha, who died in previous 12 for Solar Home Systems months made this day remarkable. The count of deaths listed on The UN Framework Convention for Climate Change (UNFCCC) the cenotaph reached 292325 with this addition. issued 395286 carbon credits worth 3.56 million US Dollar to two The day is observed to honour 6th August 1945, the day when an Bangladeshi organizations. Infrastructure Development American Boeing B-29 Superfortress bomber, named the Enola Company Ltd (IDCOL) and Grameen Shakti are the two Gay, dropped an atomic bomb on Hiroshima, a Japanese city. organisations that won the carbon credits. The UNFCCC has issued More than 2/3 of Hiroshima’s buildings were destroyed across five 212482 carbon credits to the IDCOL and 182804 credits to Grameen sq miles. On 9 August 1945, the explosion was followed by another Shakti.With this Bangladesh became the first country to receive drop on the city of Nagasaki.The name of the plane Enola Gay that funds from the United Nations (UN) for its fast growing solar dropped the bomb was after the mother of the plane’s pilot, Colonel home systems.

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Paul Tibbets.It was the first atom bomb to be dropped any where The initiative was launched on 21st June 2015 i.e International across the world. The bomb that was dropped during the final Yoga Day and came up as the fisrt and the biggest donor directory stages of World War II was nicknamed as Little Boy and had a in United Arab Emirates (UAEs). weight of 16 kiloton. Sri Lankan government decided to renovate temples NASA signed 490 million US dollars contract with Russia destroyed in Nepal quake for International Space Station travel Sri Lanka government announced its decision to repair and renovate A contract worth 490 million US dollars was signed with Russia’s one Hindu and one Buddhist temple in Nepal that was destroyed space agency Roscosmos for carrying the US astronauts to the in the recent earthquake. According to government spokesman, Sri International Space Station (ISS). Lankan cabinet has decided to undertake the repair of Buddhist The US space agency in a statement said that the US will continue temple in Swayambhunath and Hindu temple of Rato to rely exclusively on Russia to take astronauts to the orbiting Machindranath in Lalitpur at a cost of 34 crore Sri Lankan rupees. outpost under the new contract, which runs until 2019. Beijing chosen to host 2022 Winter Olympics and NASA further said a lack of funding for development of private Paralympics vessels by US companies Boeing and Space-X over the last five Beijing which is capital of China was chosen to host both events at years has left NASA with no other option. As a result, the US will 128th IOC session in Kuala Lumpur, Malaysia.Important to pay for use of space vessels belonging to the Roscosmos. mention here that Beijing became first city to host both the Summer 193 UN members reached agreement on sustainable Olympics and Winter Olympics as it has already hosted Summer development agenda Olympics in 2008.In 2018 Winter Olympics will be held in A new Sustainable Development Agenda for the next 15 years was Pyeongchang, South Korea and in 2014 it was held in Sochi, reached by the 193 member states of the United Nations. It seeks Russia.Thomas Bach is President of International Olympic to improving living standards, taking urgent action to combat climate Committee. change, suppress poverty and hunger and achieving gender SALt, a lamp that runs eight hours on water and salt, equality.UN Secretary General Ban Ki-moon said that the plan developed seeks to ensure peace and prosperity, and forge partnerships with A start-up in Philippines in July 2015 developed a lamp namedSALt people and planet at the core.”Transforming our World: The 2030 (Sustainable Alternative Lighting) that runs on a glass of water and Agenda for Sustainable Development” will also be adopted with two tablespoons of salt. The lamp is named after the company this agreement, at a UN summit before the annual meeting of world SALt that was founded by Aisa Mijeno and Raphael Mijeno. leaders at the General Assembly in September 2015. Helena Ndume, Jorge Sampaio awarded with first-ever India to produce at least dozen billionaires among start-ups by 2020: ASSOCHAM Nelson Rolihlahla Mandela Prize Helena Ndume of Namibia and Jorge Sampaio of Portugal were ASSOCHAM (Associated Chamber of Commerce and Industries) awarded with the first-ever Nelson Rolihlahla Mandela Prize by Study on Start-Ups released on 2 August 2015 pointed out that the United Nations (UN) at the UN Headquarters in New York. India is expected to produce at least a score of billionaires and Ndume, a female ophthalmologist, was awarded for treating many times millionaires among the start-ups in the next five years. blindness and eye-related illnesses in Namibia and throughout the Rosneft of Russia will acquire 49% stake in Essar Oil developing world. The award ceremony was a part of the annual Oil Company of Russia named Rosneft signed agreement with commemoration of Nelson Mandela International Day, which is Essar oil to acquire its 49 per cent share. Both companies will also observed on 18 July every year. be doing exploration and production of hydrocarbon in NEWS IN BRIEF concurrence. Rosneft will get a stake in 1,600 retail chain stations of Essar Oil which it has planned to increase to 5000 within next  Prime Minister of Libya Abdullah al-Thani on 12 August two years. Also it will be delivering 100 million tonnes of crude oil 2015 announced his resignation during a live telecast. He over next ten years to Essar Oil. announced his resignation hours after fraught peace talks Tiju Thomas initiative emerged as UAE’s first and biggest between the country’s rival factions restarted. blood donor registry  Delhi government on 4 August 2015 decided to run trams in several walled city areas including Lal Quila, Jama Tiju Thomas, an Indian diplomat with the Indian consulate in Masjid and Old Delhi Railway Station. The decision Dubai, headed an initiative to make blood from rare groups accessible to those in need through a website www.blooddonors.ae

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was taken to augment transport infrastructure of the Jackie Chan stood at the second place with an yearly income 50 city. million US dollars followed by Vin Diesel with earnings of 47  Nepal’s political parties agreed to remove the word million US dollars stood at the third place. “secularism” from the yet-to-be framed Constitution. Top ten They agreed to this during a discussion on peoples’ view  Robert Downey Jr.(80 Million US dollars) vis-à-vis the new constitution in the Constituent  Jackie Chan (50 Million US dollars) Assembly.  Vin Diesel (47 Million US dollars)  Bradley Cooper (41.5 Million US dollars) INDEX  Adam Sandler (41 Million US dollars) India ranked 12th in terms of power generation from nuclear  Tom Cruise (40 Million US dollars) source  Amitabh Bachchan and Salman Khan (33.5 Million US With the total power generation from nuclear reactors at 5308 dollar) MWe, India is ranked 12th in the world in terms of power generation  Akshay Kumar(32.5 Million US dollars) from nuclear sources. Further, in terms of number of nuclear reactors  Mark Wahlberg(32 Million US dollars) in operation, India was ranked at 7th position with 21 reactors. Indian Actors The released data further said that there are 31 countries including Out of the 12 newcomers in the list of Forbes five are from India India in the world that generate electricity from nuclear source. only. With combined earnings of 140.5 million US dollar, the Indian Top five countries in terms of nuclear reactors and their capacity stars listed at the second position, just after the US. of production are United States of America, France, Japan, Russia, Shah Rukh Khan and Ranbir Kapoor are the other two Bollywood China. actors who are able to make their place in the list. 61st edition of Fortune 500 list released; 7 Indian companies India to become most populous nation by 2022: UN World in the list Population Prospects 61st edition of the Fortune 500 list for the year 2015 was released United Nations (UN) released the report title World Population on 22 July 2015.The list has been topped by retail giant Walmart Prospects: The 2015 Revision at the UN Headquarters in New and is followed by petroleum refining giants Exxon Mobil and York.According to the report, India will surpass China to become Chevron at 2nd and 3rd place. Indian companies in the Fortune the most populous nation in the world by 2022. In the forecast 500 list- The list is topped by Indian Oil at 119th rank with issued by UN in 2013 India was expected to surpass China’s revenues of 74 billion US dollars and is followed by Reliance population by 2028. Industries, Tata Motors, State Bank of India, Bharat Petroleum, Forbes Asia’s Fabulous 50 List of the year 2015 released Hindustan Petroleum, and Oil and Natural Gas Corporation The Forbes Asia’s Fabulous 50 list of the year 2015 was released (ONGC). on 22 July 2015. The Fab 50 list is an annual honor roll highlighting Forbes released list of 100 Richest People In Technology some of the brightest stars in the Asia Pacific. The list was dominated Forbes released the first-ever list of 100 Richest People In by 25 Chinese firms, while India claimed the second-highest number Technology. The top five are -1.Microsoft co-founder Bill Gates of companies in the list with a total of 10 firms. The most valuable ranked number one among tech tycoons with a net worth of 79.6 company on the list is Tencent, with worth of 176.5 billion US billion US dollars 2. Oracle CEO Ellison cededthe,3. Amazon.com dollar and the biggest is Lenovo, which generated 46.3 billion US founder Jeff Bezos, 4. Facebook co-founder Mark Zuckerberg, 5. dollar in revenue in 2014. Google co-founder Larry Page . Two Indian technology tycoons The Indian companies on the list are: Azim Premji, Chairman of Wipro and Shiv Nadar, Founder of  Aurobindo Pharma HCL, bagged place in Top 20 on the Forbes list. As per the list,  HCL Technologies Azim Premji with net worth of 17.4 billion US dollars ranked at  HDFC Bank 13th position followed by Shiv Nadar on the 14th spot with net  Lupin worth 14.4 billion US dollars.  Motherson Sumi Systems Forbes released the World’s Highest-Paid Actors 2015 list  Sun Pharmaceutical Industries Forbes released the list of 2015 World’s Highest-Paid Actors. Robert  Tata Consultancy Services Downey Jr., with earnings of 80 million US dollars, for the third  Tata Motors year in a row topped the list, that includes names of 34 global  Tech Mahindra actors.  Titan 

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PM Narendra Modi launched a new campaign Start-up India, Assam Assembly passes Bill to end witch-hunting Stand up India The Assam Assembly unanimously passed the Assam Witch To promote bank financing for start-ups and offer incentives to Hunting (Prohibition, Prevention and Protection) Bill, 2015 making boost entrepreneurship and job creation prime Minister Narendra any offence under the Act as non-bailable, cognizable and non- Modi on 15 August 2015 launched a new campaign Start-up India, compoundable to eliminate the superstition from society. The Bill Stand up India. The campaign was launched during the celebrations has provision of imposing up to seven years of jail and fine up to of 69th Independence Day at Red Fort, Delhi. The initiative is 5 lakh rupees if anybody violates it. The bill said that sentence of aimed at encouraging entrepreneurship among the youth of India. As 3 years imprisonment will be given if anybody blames a person for per the initiative, each of the 1.25 lakh bank branches should natural disasters in a particular locality such as droughts, floods, encourage at least one Dalit or tribal entrepreneur and at least one illness or any death. woman entrepreneur. Union Government approved 300 crore package to save e-Tourist Visa scheme extended to China, Hong Kong and standing kharif crops from weak monsoon Macau A package of 300-crore rupees to save standing kharif agriculture e-Tourist Visa scheme was extended to China, Hong Kong and and horticulture crops from weak monsoon was approved by the Macau with effect from 30 July 2015. The facility was extended as Cabinet Committee on Economic Affairs (CCEA) chaired by Prime per the decision of the 29 July 2015 of Union Government. With Minister Narendra Modi. the inclusion of these countries/territories, the total number of The package will assist farmers to be ready to deal with challenges countries/territories covered under the e-Tourist Visa scheme will caused by delayed monsoon. Apart from this, CCEA also gave its go up from 74 to 77. approval to a soft loan scheme to the extent of 6000 crore rupees for the current sugar season.The Government has provided a Union Cabinet approved Rajya Sabha panel’s amendments prohibition period of one-year on this loan, and will sustain the on GST Bill, 2014 interest benefaction cost to the extent of 600 crore rupees. The Union Cabinet on 29 July 2015 approved amendments Delhi government constituted panel to probe CNG fitness proposed by Rajya Sabha Select Committee on Goods and Services Tax (GST) Constitution Amendment Bill, 2014. The Rajya Sabha scam Select Committee chaired by Bhupender Yadav in its report Delhi Government led by Chief Minister Arvind Kejriwal on 11 submitted on 22 July 2015 suggested that compensation to the August 2015 decided to constitute an independent Commission of states should be made for 5 years instead of up to 5 years for any Inquiry to probe the multi-crore CNG fitness scam of Delhi. A revenue loss due to introduction of GST.The Bill also called retired High Court judge, Justice SN Agarwal will head this Constitution (122nd Amendment) Bill, 2014 was passed in Lok Commission of Inquiry.The Delhi cabinet has made it mandatory Sabha on 5 May 2015. for the commission to complete their investigation within three months from the date of its first sitting. In 2012, Anti Corruption Delhi government announced City Taxi Scheme Bureau found that the Delhi government had lost over 100 crore Delhi government announced a new City Taxi Scheme 2015 under rupees by awarding the contract to operate and maintain which permits will be issued to 600 CC vehicles. Small size taxis certification of CNG vehicles at the transport authority in Burari between 600 cc and 749 cc operational under the scheme will have to ESP India instead of ESP USA. minimum flag down rate of 25 rupees for first two kilometres, which is same in the auto rickshaws. After two kilometres Uttar Pradesh Government approved new guidelines for passengers will have to pay 10 rupees per kilometer, which is Begum Akhtar Award higher than the present 8.5 rupees per kilometre fare that auto Uttar Pradesh Government on 11 August 2015 approved the rickshaws charge. amended guidelines for Begum Akhtar Award. The award will be presented every year to the singers of ghazal, dadra, and thumri Pahal Scheme acknowledged by Guinness Book of World who have attained a milestone in these forms of music and should Records as largest cash transfer programmee not be less than 40 years of age and a local resident of the state.The The “Pahal” scheme has been acknowledged by the Guinness Book award will comprise of an ‘angvastram’, a citation and a cash award of World Records for being the largest cash transfer program of 5 lakh rupees. Begum Akhtar Award is named after Akhtari Bai (households). India launched the `PAHAL’ Scheme in 54 districts Faizabadi, also known as Begum Akhtar who was a well known of the country on 15 Novemeber, 2014 and in remaining districts Indian singer of Ghazal, and Dadra, and Thumri genres of Hindustani of the country on 1st January, 2015. As on 13 August, 2015, 13.9 classical music. crore LPG consumers have joined the PAHAL scheme.LPG consumers who join the PAHAL scheme will get the LPG cylinders Kochi became first Indian city to join World Tourism Cities at market price and receive LPG subsidy (as per their entitlement) Federation Council directly into their bank accounts.

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Kochi became the first Indian city to be a member of Beijing to facilitate one year payment of premium for Pradhan Mantri headquartered World Tourism Cities Federation (WTCF) Council Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana and join its league of leading tourism cities across the world. The by the recipient will support the drive. invitation to Kochi to be the member of the council was sent to The recipient of the gift cheque would deposit the instrument in Kerala Tourism Department by WTCF, which was formally his or her bank account for a realizable value of 342 rupees, out of accepted by the department. The membership acceptance document which 12 rupees will be for one year subscription of PMSBY and was handed over to Chinese Ambassador to India Le Yucheng by 330 rupees for PMJJBY. The balance of 9 rupees will be retained the Kochi Mayor Tony Chammany. by the issuing Bank as a service charge. Tamil Nadu government instituted youth award in name of Foxconn decided to invest 5 billion US dollar in Maharashtra Dr APJ Abdul Kalam over next five years The state government of Tamil Nadu initiated a youth award in the Global electronic manufacturing giant Foxconn and Maharashtra name of former President Dr APJ Abdul Kalam. Government signed an agreement in Mumbai to invest 5 billion US Chief Minister J Jayalalithaa said in a statement issued in Chennai dollar in the state over the next five year. The MoU was inked in that “the annual Dr APJ Abdul Kalam Award consisting 8 gram Mumbai, Maharashtra in presence of Foxconn Chairman Terry gold, 5 laks rupees in cash and a citation”.On every Independence Gou and Chief Minister Devendra Fadnavis. Day from 2015 onwards, the award would be given to a person Main Highlights of MoU from the state who works with exceptional merit in students welfare,  5 billion US dollars will be invested by Foxconn in humanities and science.Besides this she also declared that the Youth Maharashtra over the next five years. Revival Day will be celebrated in the memory of Dr Kalam’s birthday  For setting up plant in the state, Maharashtra Govt. will on 15th October. provide 1500 acres of land to the company .  The main focus will be on research and development Railway Minister Suresh Prabhu launched new train (R&D) as well as manufacturing by the Foxconn’s facility. services in Northeast  Employment of 50,000 people will be created in the Railway Minister Suresh Prabhu launched new train services in state. the Northeast after the completion of North Lakhimpur- Murkongselek and Balipara- Bhalukpong sections into broad-gauge. Lok Sabha passed the Negotiable Instruments He launched the service through video-conferencing from New (Amendment) Bill, 2015. Delhi.Prabhu described the occasion as a Golden Day in the history Lok Sabha passed the Negotiable Instruments (Amendment) Bill, of Arunachal Pradesh and flagged off few train on the occasion. 2015. The Bill yields for filing of cheque bounce cases at the place where a cheque is presented for clearance and not the place of Param Tyag Chakra Initiative launched to honour families issue. The Bill push towards the amendement of the Negotiable of martyrs Instruments Act, 1881. It will have insinuation for over 18 lakh The Param Tyag Chakra initiative was launched by the Alumni cheque bounce cases pending in courts.The Act creates penalties Association of Rajagiri School of Engineering and Technology to for issues such as bouncing of cheques and defines promissory honour family members of brave military men, who sacrificed their notes, bills of exchange, cheques. The Bill modifies the Act to state lives for the nation.A web platform has been launched by the that cases of bouncing of cheques can be filed only in a court in Alumni Association of Rajagiri School of Engineering and whose jurisdiction the bank branch of the payee comes under. Technology in association with the management to gather the info of their family members. PM Narendra Modi inaugurated first National Handloom Anyone can join this initiative in various ways such as by channeling Day the support and identifying and referring such families. Prime Minister Narendra Modi on 7 August 2015 inaugurated first National Handloom Day at the Centenary Hall of Madras Union Government launched Suraksha Bandhan scheme University in Chennai, Tamil Nadu, where he also unveiled ‘India Union Government launched Suraksha Bandhan drive in a Mission Handloom’ brand. National Awards and Sant Kabir Awards for the Mode through participating banks and insurance companies to years 2012, 2013 and 2014 were also presented to prominent facilitate enrolment under social security schemes. handloom personalities by him. The schemes included are Tamrapatra, One mounted gold coin, one shawl and a citation and Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana a financial assistance of up to 6 lakh rupees was included in every (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana Sant Kabir award. (PMJJBY). The drive was launched in the atmosphere of Raksha Bandhan Lok Sabha passed Delhi High Court (Amendment) Bill, with an objective of taking forward the Government’s objective of 2015 creating a universal social security system in the country. During On 5th August 2015, Delhi High Court Amendment Bill, 2015 was the drive, participating Banks supported by the participating passed. It was passed in Lok Sabha by a voice vote on 5th June Insurance Companies will work towards local outreach, awareness 2015 and in May 2015 it was passed in Rajya Sabha.In order to building and enrolment facilitation. minimize the workload of the Delhi High Court, the Bill seeks to Jeevan Suraksha Gift Cheques, which will be available for purchase modify the Delhi High Court Act, 1966. for 351 rupees in Bank branches by persons wishing to gift them Highlights of Bill

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 Increment of pecuniary jurisdiction of the Delhi high operation aims at nabbing offender and teach lesson of manner to court over suits above the value of 2 crore rupees from them. Under operation shishtachar, women police officers dressed present 20 lakh rupees. in civil will be posted at busy places like markets, metro stations,  Thus, it will reduce work load of Delhi High Court in cinema halls and buses to keep a tab on young men. If someone case of civil suits by transferring them to 9 district courts indulged in eve teasing activities will be found, he will be nabbed in the National Capital Territory of Delhi. and taken to police station from where his family members will be  Empowers the Chief Justice (CJ) of the Delhi High Court called. to transfer any pending suit to a relevant subordinate court. MCA lifted 3-year old Wankhede Stadium entry ban on Shah  It should be noted that, pecuniary jurisdiction refers to Rukh Khan the jurisdiction of a court over a suit based on the amount Mumbai Cricket Association (MCA) on 2 August 2015 lifted the or value of its subject matter. 5-year ban on Bollywood superstar Shah Rukh Khan on entering the Wankhede Stadium. The decision on removal of ban imposed Uttar Pradesh government decided to rename UPTU as APJ on Khan was taken during the Association’s meet in Mumbai. Khan Abdul Kalam Technical University was banned from entering MCA premises, including the Wankhede The Uttar Pradesh (UP) Cabinet on 4 August 2015 approved UP Stadium, for five years for engaging in a scuffle with the officials of Technical University (Amendment) Bill, 2015. The amendment the cricketing body and the security staff on 16 May 2012 following was approved during a state cabinet meet chaired by chief minister Kolkata Knight Rider’s (KKR’s) victory over Mumbai Indians. Akhilesh Yadav.The Bill amends the UP Technical University Act, 2000 to rename the Uttar Pradesh Technical University (UPTU) NEWS IN BRIEF as Dr. APJ Abdul Kalam Technical University (APJAKTU), Uttar  Jharkhand Government on 4 August 2015 empowered Pradesh in the honour of 11th President of India. Former President Anti Corruption Bureau (ACB) to arrest Minister, MLA Dr. APJ Abdul Kalam, 83, passed away in Shillong on 27 July and senior civil servants without taking permission from 2015 after suffering a massive cardiac arrest while delivering a the concerned authorities in cases of being caught on lecture to students at the Indian Institute of Management (IIM). taking bribes.  Two trains, Kamayani Express and Mumbai-Jabalpur Operation Muskaan helped Gurgaon Police to trace over Janata Express, derailed while crossing a swollen Machak 1000 kids river in Harda District of Madhya Pradesh (MP) on 4 In August 2015, an initiative launched by railway police named as August 2015. The twin-train derailment claimed lives of Operation Muskaan traced missing and destitute children and at least 20 people and injured over 60. reconvened them with their gaurdians. During the month-long  Talvar, an upcoming Bollywood mystery thriller film operation, a total of 1094 children were traced in Haryana by directed by Meghna Gulzar, will have its international Gurgaon Police.Among the 1094 children traced during the premier at Toronto International Film Festival operation, 831 children were tracked from multiple places whereas (TIFF). Talvar written by Vishal Bhardwaj revolves 263 were living in various shelter homes. Chidren reunited with around the sensational murder of 14-year-old Aarushi their parents were 809 in number while others were taken care in Talvar and 45-year-old Hemraj Banjade, a domestic help shelter homes.The objective of this operation was to intercept in Noida, India. child trafficking and rescue children from persons who tried to  Haryana Chief Minister Manohar Lal Khattar announced engage them in various antisocial activities. that Haryanavi film ‘Pagdi: The Honour’ will be free from tax. The Chief Minister also announced a discretionary Union Government signed historic peace accord with NSCN grant of 10 lakh for the film. (I-M) A peace agreement was signed with the National Socialist Council  of Nagaland Isak-Muivah (NSCN (I-M)) by Union Government, which has put an end to almost two decades long pending peace talks. The accord was signed in presence of Prime Minister Narendra Modi, National Security Advisor Ajit Doval, Union Home Minister Rajnath Singh, government’s interlocutor for Naga peace talks RN Ravi and the NSCN (IM) leader Th. Muivah at the Prime Minister’s official residence.NSCN (IM) chairman Isak Chishi Swu and general secretary Thuingaleng Muivah signed on behalf of the Naga organisation and RN Ravi inked the document on behalf of the Within Months Union government. Delhi Police launched Operation Shishtachar to teach lesson to eve-teasers Delhi’s central district police in first week of August 2015 launched ‘Operation Shishtachar’ to teach lesson to eve-teasers. The

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India & World Bank signed agreement of US$ 308.40 India, Slovak Republic signed MoU for technical cooperation Million for NCRMP-II in Railway Sector To support the second phase of the National Cyclone Risk India and Slovak Republic has signed a Memorandum of Mitigation Program (NCRMP-II) an agreement of 308.40 million Understanding (MoU) on technical cooperation in railway US dollar was signed between World Bank and Union Government. sector. The MoU will be valid for a period of two years and after State Governments of Goa, Gujarat, Karnataka, Kerala, completion of valid term, it will be automatically renewed for Maharashtra, and West Bengal also signed the agreement.On behalf further successive period of two years at a time. of the World Bank, John Blomquist, Program Leader and Acting Key feature of the mou Country Director in India and Raj Kumar, Joint Secretary,  Infrastructure building and management– station Department of Economic Affairs on behalf of the Union Government development and workshop modernisation signed the agreement.  Information & communication technologies especially Aim of NCRMP-II for passenger amenities  To decrease the accountability to cyclone and other hydro-  Modernisation of rolling stock meteorological hazards of coastal communities in the  Modernisation of Signaling & Telecom states of West Bengal, Karnataka, Kerala, Maharashtra,  Any other area mutually agreed between the Parties, Goa and Gujarat. falling within the scope of this MoU  The capacity of the State entities to effectively plan for and respond to disasters will be increased. US-India Cyber Dialogue held in Washington, DC  Financing of technical assistance for strengthening of With an aim to increase global cyber security and promote the multi-hazard risk management at the national level. digital economy,2015 US - India Cyber Dialogue was held on 11  Maharashtra Government constituted Cabinet sub-panel and 12 August 2015 at the US Department of State in Washington, to tackle impending drought crisis DC. The whole-of-government Cyber Dialogue, fourth in the series, was led by the US Cyber security Coordinator and Special Assistant India, Bangladesh signed MoU to tackle the menace of fake to the President Michael Daniel and by India’s Deputy National Indian currency notes Security Advisor Arvind Gupta. India and Bangladesh on 13 August 2015 signed a Memorandum of Understanding (MoU) to tackle the menace of fake Indian currency Union Cabinet approved MoU between India, Nepal for notes (FICN) smuggling. The MoU was signed by Additional construction of petroleum pipeline Inspector-General of Bangladesh Mohammed Mokhlesur Rahman A Memorandum of Understanding (MoU) between the India and and Head of National Investigation Agency of India IG Sanjeev Nepal for the construction of a petroleum products pipeline from Kumar Singh during a maiden meeting of the Joint Task Force on Raxaul (India) to Amlekhgunj (Nepal) was approved by the Union Fake Currency Notes (JTFFC) in Dhaka. Both countries will Cabinet chaired by the Prime Minister Narendra Modi. share intelligence inputs on operatives engaged in circulating FICN Highlights of the Project on real time basis.  The Indian Oil Corporation (IOC), on behalf of the Union According to the MOU Government has been charged with the job of  India will provide Advance note sorting machines to construction of the pipeline and re-engineering of the Bangladesh to detect FICN circulation at international Amlekhgunj Depot. airports, immigration points, integrated crossing points,  The first phase of the project is to construct a petroleum banks and financial institutions in Bangladesh. products pipeline from Raxaul in India to Amlekhgunj in  India will help Bangladesh to set up Forensic Science Nepal. laboratory for examination of fake notes and maintaining  The Indian Oil Corporation and the Nepal Oil Corporation a digital depository of forensic reports. will have a contract for 15 long years.  Both the countries in future will organise capacity building India and Myanmar inked agreement to set up CESDT in training programmes. Myanmar India and Myanmar inked an agreement to set up Centre of Excellence in Software Development and Training (CESDT) in

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Myanmar. A state of the art Information and Communication Haryana, Maryland agreed to cooperate in biotechnology, Technology Centre, proclaiming intensive teachers training, life sciences extending support for ICT curriculum development is anticipated Haryana and the US state of Maryland have agreed to explore the by the project. It will be recognized as an authorized Centre of C- possibility of cooperation in the fields of biotechnology, life DAC. sciences, agriculture, cyber security and engineering. Haryana Chief Minister Manohar Lal Khattar and Maryland Lt. Governor Boyd NEWS IN BRIEF K. Rutherford agreed to do so at a meeting in state capital Annapolis.  Prime Minister of India Narendra Modi visited United Maryland is a Mid-Atlantic state that’s defined by its abundant Arab Emirates (UAE) between 16 August and 17 August waterways and coastlines on the Chesapeake Bay and Atlantic. Its 2015. He is the first Prime Minister of India to visit largest city, Baltimore, US has a long history as a major seaport. UAE after 34 years. The last Indian Prime Minister to visit the UAE was Indira Gandhi in 1981.He visited the Kerala Government signed MoU with Adani Group for country on invitation of His Highness General Sheikh development of Vizhinjam Port Mohamed bin Zayed Al Nahyan, Crown Prince of Abu Kerala government signed a MoU with Adani Group led Adani Dhabi and Deputy Supreme Commander of the UAE Vizhinjam Port Private Ltd for developing 7525 crore Armed Forces. rupeesVizhinjam International Deepwater Multipurpose  The Second Round of India-Paraguay Foreign Office Seaport near Kovalam beach. The MoU was signed by Kerala Consultations (IPFOC) was held in New Delhi. The meet Principal Secretary (Ports) James Varghese and Santosh Kumar aimed to strengthen the cooperation between the two Mahopatra, CEO of Adani Vizhinjam Port Private Ltd. countries. The Indian delegation was led by R FICCI, ILO signed MoU to establish National Coordination Swaminathan, Secretary (AMS, CPV &SA), MEA and Centre for SCORE Training Services Oscar Cabellow Sarubbi, Deputy Foreign Minister of The International Labour Organisation (ILO) and Federation of Paraguay led the Paraguayan delegation. Indian Chambers of Commerce and Industry (FICCI) on 5 August  India and Mozambique on 5 August 2015 signed 2015 signed the Phase II of the Memorandum of Understanding Memorandum of Understanding (MoU) to deepen (MoU) for cooperation for establishing a National Coordination cooperation in New and Renewable Energy Sector. The Centre for Sustaining Competitive and Responsible Enterprises agreement was signed during the official visit of Filipe (SCORE)Training Services in India.The MoU will contribute to Nyusi, President of Mozambique to India. holistic development of the SMEs in India from the perspective of  The Union Cabinet chaired by the Prime Minister Narendra Modi gave its approval for the signing of the skill development, employees’ relation and better business revised Air Services Agreement (ASA) and exchange of efficiency. information with respect to taxes between India and NEWS IN BRIEF Seychelles.  The Indian Railways signed four Memorandum of MOU Understandings (MOUs) with Union Ministry of Power India, Australia signed MoU on education and Union Ministry of New & Renewable Energy for The Union Cabinet, chaired by the Prime Minister Narendra Modi, Cooperation in areas of electricity transmission, energy has approved the signing of a MoU between India and Australia on conservation and promotion of renewable Energy in a cooperation in the fields of education, training and research. The time bound manner. MoU will help intensify existing partnerships between India and  The water treatment engineering company Polutech Australia in higher education & research, including technical and Limited of Murugappa Group on 4 August 2015 signed professional education, schools, vocational education and training an agreement with Japan-based Organo Corp to form a and will open up new and innovative areas of cooperation. Joint venture (JV) of an industrial water treatment requirement company. Prasar Bharti, Digital Television Russia inked MoU Prasar Bharti and Digital Television Russia signed a memorandum of understanding for cooperation which will set the stage for a new  media era in both the countries. The MoU is aimed at co-producing TV programmes, repackaging and dubbing popular programmes from the both countries.

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RBI decided to issue 10 rupees coins to commemorate ICICI Bank launched a new digital initiative — Smart Vault which International Day of Yoga is India’s first automated locker facility with high-end robotic The Reserve Bank of India on 30 July 2015 decided to put into technology. The facility was launched by Chanda Kochhar, MD & circulation 10 rupees coins to commemorate the International Day CEO of ICICI Bank at the Defence Colony branch of Delhi. Smart of Yoga. The coins have been minted by the Government of India. Vault locker is equipped with multi-layer security system, including The design details of these coins are: biometric and PIN authentication and debit cards, among others. Customers can access it without any intervention by the branch Obverse staff. The obverse of the coin bears the Lion Capitol of Ashoka Pillar in the center with the legend “Satyameba Jayate” inscribed below, Union Government appointed two private sector flanked on the left periphery with the word “Bharat“ in Devnagri professionals to head BoB, Canara Bank script and on the right periphery flanked with the word “INDIA” Union Government appointed private sector professionals, namely in English. PS Jayakumar and Rakesh Sharma, as Managing Director (MD) It also bears the Rupee ` symbol and denominational value “10” and Chief Executive Officer (CEO) of Bank of Baroda (BoB) and in the international numerals below the Lion Capitol. Canara Bank, respectively. This is the first time that private sector Reverse professionals were appointed to head the Public Sector Banks  The reverse of the coin bears the logo of “International (PSBs). Earlier, the heads of PSBs were selected from among the Day of Yoga”, with inscription “Samanjashya yebam state-run banks or government officers. shanty ke liye yoga“ in Devnagri Script and “YOGA FOR HARMONY AND PEACE” around the logo and RBI notified Interest Subvention Scheme 2015-16 of Union design. The date “21 JUNE” is written at the bottom of Government for banks the logo. Reserve Bank of India notified the Union Budget-2015-16 Interest  The inscription “ International Yoja Divas“ in Devnagri Subvention Scheme (ISS) and asked all banks to provide interest script on left periphery and “INTERNATIONAL DAY concession of 2 percent on short term crop loans of up to 3 lakh OF YOGA” in English on the right periphery is written rupees.The central bank in its notification said that interest on this side of the coin. subvention of 2 percent per annum will be made available to public  The year “2015” is written on the lower periphery in and private sector banks provided they lend short term credit at international numerals exactly below the logo. the ground level at 7 percent per annum to farmers. The bank said that additional interest subvention of 3 percent will be available to SBI launches mobile wallet app ‘Buddy’ farmers for repaying the loan promptly from the date of Union Finance minister Arun Jaitley launched State Bank of India’s disbursement of the crop loan. This implies that farmers paying mobile wallet- State Bank ‘Buddy’ in collaboration with Accenture promptly would get short term crop loans at 4 percent during the and MasterCard. The services of the application will be available year 2015-16. to both the existing as well as non-SBI customers. Features of Buddy RBI relaxed Branch Authorisation Policy to allow banks to  The application is available in 13 languages merge or close branches in urban areas  It carries several features like cash transfer, bill payment, Reserve Bank of India (RBI) notified Section 23 of the Banking all types of ticket bookings payment and booking for Regulation Act, 1949 -Relaxations in Branch Authorisation movies, hotels as well as for shopping. Policy. The notification allows banks to shift, merge or close  It also has features like reminders to settle dues, recharge branches, in urban areas, at their own discretion.The decision will and pay bills instantly. provide more operational freedom to banks. The central bank said At present, the app is available to all android mobile phone users, that customers of the branch should be informed well in time before but soon will be launched for other mobile operating software. The actual shifting, merger or closure of the office. app can be downloaded from the Google Play Store. Guidelines to be followed for Merger/Closure/ Shifting of ICICI Bank launches automated locker facility with high- branches : end robotic technology

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 Approval of the DCC/DLRC will be required for shifting, India signed Loan Agreement of $300 Million with ADB for merger, or closure of a sole semi urban branch or any National Urban Health Mission rural branch. India on 28 July 2015 signed a loan agreement of 300 million US  The banking requirements of the centre should be met dollars with Asian Development Bank (ADB) for its flagship through either Business CorrespondentsFurther or programme National Urban Health Mission (NUHM). The satellite offices/mobile vans, while shifting/merging/ objective of the NUHM is to enhance the health status of urban closing sole rural or semi urban branches. population of the country.On behalf of ADB, M. Teresa Kho,  Customers should be informed well in time before actual Country Director of ADB’s India Resident Mission and Raj Kumar, shifting/merger/closure of the branch so as to avoid Joint Secretary, Department of Economic Affairs, Ministry of inconvenience. Finance on behalf of India signed the agreement.The title of the loan agreement is Supporting National Urban Health Mission. Apart SBI Life Insurance launched Smart Humsafar Plan from this it will concentrate on nourishing primary health care and Private insurer SBI Life Insurance launched Smart Humsafar, a also assist better coordination between health and urban sectors unique plan which offers multiple benefits of savings and insurance and opportunities for public-private partnerships. cover for husband and wife under a single policy. According to this policy, idan case of death of one of the spouses, a payment of sum RBS’ bullion financing business is acquired by - IndusInd assured is made to the surviving spouse, in addition to waiver of Bank future premiums. And, in the case of death of surviving spouse The jewellery and diamond financing business and related deposit during the term of the policy, the nominee of the policy gets the portfolio of Royal Bank of Scotland (RBS) was acquired by sum assured along with all the spring bonuses. Indusland Bank for 4,100 crore rupees.ABN AMRO Bank which About Smart Humsafar Plan : is the oldest bullion financing was acquired by RBS in 2008 and  It is a Joint life insurance cum savings plan where you started in bullion financing in India through RBS Mumbai are allowed to take insurance cover for yourself and your branch.The motive of RBS is to exit banking operations from India spouse under a single policy. and to stabilize its business in Western Europe and UK.  A minimum bonus for first 3 years @ 2.50% is assured Union Government sanctioned 1000 crore rupees for Indo- (Conditions apply#) on the Basic Sum insured. Bangla Rail Link  A financial protection will be provided in case of death The Indian government has sanctioned around Rs 1,000 crore for a of any or both the lives insured. 15-km India-Bangladesh railway project The Indo-Bangla Rail link  The policy will pay a maturity amount on survival of would be completed by 2017 and the entire route will be constructed one or both the lives insured at the end of the policy by IRCON.Out of 15.06 km length connecting Agartala with period. Akhaura railway junction in Bangladesh, 3.7 km would comprise  A benefit of premium waiver is also included in case of of elevated corridor. The completion of the project would reduce death of any one of the lives insured for in force policies. the distance from Agartala to Kolkata from 1650 km to 515 km and Kotak launched mobile banking app named Kotak Bharat difficult hilly terrain could be avoided. Kotak Mahindra Bank (KMB) launched a mobile banking app NEWS IN BRIEF named ’Kotak Bharat’. The application will require no internet connectivity. Using this app customers of the bank will able to  The Securities and Exchange Board of India (SEBI) on 28 manage their bank accounts on andriod. This app requires no July 2015 cancelled the Certificate of Registration of internet connection as all request are being processed by SMS. Sahara Mutual Fund. Its licence would stand cancelled after 60 days from the date of the order. CCI has imposed a fine on Hyundai for anti-competitive  World Trade Organization (WTO) members on 24 July practices 2015 struck a deal to add more than 200 products to the A fine of 420 crore rupees was enforced on the local unit of Hyundai list of goods covered by zero-tariff and duty-free trade.In by the Competition Commission of India (CCI).Similarly other value terms, the deal cuts tariffs on 1 trillion US dollar car producers like Premier Ltd and Mahindra Reva Electric Car worth of information technology (IT) products, which Company were also found in violation of competitive practices is equal to global trade in iron, steel, textiles and clothing but CCI havn’t charged fine on them.A notification of 60 days has combined. The deal was agreed as part of need to update been sent to Hyundai by CCI to deposit the penalty and other the 18-year old Information Technology Agreement three car makers are warned to take corrective measures. (ITA) as it has become redundant.

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MERGER AND ACQUISTION VANIK’S KNOWLEDGE GARDEN  Birla Corporation on 17 August 2015 signed an agreement Important Committees with French-based Lafarge Group to acquire its Jojobera 1. Suma Verma Committee - to update, and revise unit in Jharhkand and Sonadih in Chattisgarh for a sum the Banking Ombudsman Scheme, 2006. of 5000 crore rupees.  China-based Smartphone maker Xiaomi Corp tied up 2. Damodran Committee: on improvement of with Taiwan-based Foxconn to set up first Assembly customer services in banks . line in Andhra Pradesh under Union Government’s Make 3. Shri M. Narasimham Committee: on Banking in India initiative. Sector Reforms.  Leading e-commerce player Snapdeal on 6 August 2015 4. Shri Raghuram Rajan Committee: on Financial tied-up with retailer Shoppers Stop Ltd to launch a digital Sector Reforms. marketplace through a flagship Shoppers Stop store on Snapdeal. The partnership will leverage Shoppers Stop’s 5. Shri B. Mahapatra Committee: to review the product range, brands and Snapdeal’s reach. existing prudential guidelines on restructuring  India’s largest telecom operator Bharti Airtel on 4 August of advances by banks/financial institutions. 2015 acquired financial solutions firm YTS Solutions for 6. Shri Aditya Puri Committee: Dissemination of an undisclosed amount. With this acquisition, YTS Credit Information. Solutions will be integrated with the operations of Airtel 7. Shri K.U.B. Rao Committee: recommended Money Services Ltd, a subsidiary of Airtel. aligning gold import regulations.  Bharti Realty, a Bharti Enterprises’ real estate firm, on 27 July 2015 tied up with Eros Group to develop a 8. K M Chandrasekhar committee : for housing project at Surajkund. As per the tie-up, Bharti rationalization of foreign investment norms. Land, the new development arm of Bharti Realty, will 9. Shri Pulak Kumar Sinha Committee: to study develop a smart residential project in Surajkund, south the feasibility of Aadhaar as an additional of South Delhi. factor. for authentication of card present  The Computer Science Corporation (CSC) and Hindustan transactions Computer Limited (HCL) on 23 July 2015 signed an agreement to form a Joint Venture company to provide 10. Mukul Mudgal Committee: looking into US technology services and solutions to the banking industry. giant Walmart's lobbying activities to enter India. 11. MBN Rao Committee: to prepare the blueprint  of India’s first women’s bank. 12. Arvind Mayaram Committee –for giving clear definitions to Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII).

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Ramon Magsaysay Awardees for the year 2015 Arjuna Awards 2015 The Ramon Magsaysay awardees for the year 2015 were declared Name of the sportsperson Discipline by the Board of Trustees of the Ramon Magsaysay Award Naib Subedar Sandeep Kumar Archery Foundation (RMAF).Sanjiv Chaturvedi and Anshu Gupta are the MR Poovamma Athletics two Indians among the five awardees who will be conferred with Kidambi Srikanth Nammalwar Badminton the so-called Asia’s Nobel Prize. Mandeep Jangra Boxing Rohit Sharma Cricket Sanjiv Chaturvedi : Chaturvedi is being recognised for “his Dipa Karmakar Gymnastic exemplary integrity, courage and tenacity in uncompromisingly Sreejesh PR Hockey exposing and painstakingly investigating corruption in public office, Manjeet Chhillar Kabaddi and his resolute crafting of program and system improvements to Abhilasha Shashikant Kabaddi ensure that government honourably serves the people of India.” as Mhatre said by the Foundation. Sawarn Singh Rowing Anshu Gupta : The Foundation said that, Gupta is recognized for Anup Kumar Yama Roller Skating “his creative vision in transforming the culture of giving in India, Jitu Rai Shooting his enterprising leadership in treating cloth as a sustainable S Sathish Kumar Weightlifting development resource for the poor, and in reminding the world Bajrang Wrestling that true giving always respects and preserves human dignity” Babita Kumari Wrestling Kommaly Chanthavong (Laos), Ligaya Fernando-Amilbangsa Yumnam Sanathoi Devi Wushu (Philippines), Kyaw Thu (Myanmar) are alo betowed with this Sharath M Gayakwad Para- Swimming award. Mustansir Barma won 2015 Gujar Mal Modi award for President Pranab Mukherjee presented Saraswati innovative science and technology Sammaan to Dr. M Veerappa Moily Prof. Mustansir Barma won the prestigious Gujar Mal Modi Award 24th Saraswati Sammaan for the year 2014 was presented to Dr. for Innovative Science and Technology for the year 2015. He was M Veerappa Moily by President of India, Pranab Mukherjee for awarded for his commendable contribution in the field of Science his vast Sri Ramayana Mahanveshanam written in Kannada. and Technology. He received the award from Vice President of Saraswati Samman is awarded in remembrance of outstanding prose India Hamid Ansari at a ceremony in New Delhi. or poetry literary works in Indian languages.KK Birla Foundation Raghavendra Gadagkar awarded with Germany’s Cross of initiated this award in 1991 and carries a citation, a plaque and a Order of the Merit prize amount of 10 lakh rupees.Three awards are established by Indian sociobiologist Raghavendra Gadagkar was awarded with the KK Birla Foundation in the field of literature which are Bihari the Germany’s highest civilian honour Cross of Order of the Merit Puraskar (for Hindi and Rajasthani writers of Rajasthan), Vyas at the German Consulate in Bengaluru. He was given the honour Samman (for Hindi) and Saraswati Samman. for his remarkable contribution for strengthening research Rajiv Gandhi Khel Ratna award corporation between India and Germany and in the field of The Union Government announced the awardees for the Rajiv behavioural ecology and sociobiology. Gandhi Khel Ratna award and Arjuna Award for the year 2015. Mathematician Amalendu Krishna won 2015 Ramanujan The selection of awardees was based on the recommendations of Prize the Selection Committee headed by Justice VK Bali, former Chief Ramanujan Prize for year 2015 was won by Mathematician Dr. Justice of Kerala High Court and consisting of eminent Amalendu Krishna. sportspersons and sports administrators. He has been accorded with this award for his remarkable Rajiv Gandhi Khel Ranta 2015 contributions in the area of the theory of motives, algebraic K- Ms. Sania Mirza Tennis theory and algebraic cycles. At present, Dr. Krishna is mathematician professor at the Tata Institute of Fundamental Research (TIFR),

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Mumbai. Ramanujan Prize was established in 2005 and is named novel In the Light of What We Know. He received this after the noted Indian mathematician Srinivasa Ramanujan.It is prize during the 2015 Edinburgh international book presented to a researcher from a developing country who has carried festival. out an outstanding research in a developing country and is less  Historian Ramachandra Guha was on 24 July 2015 than 45 years of age. chosen for the Fukuoka Asian Culture Prize 2015 in the Academic Category. Ajeet Kumar Saroj, Varanasi jail inmate awarded with  Nobel Prize winner Professor Peter Higgs on 20 July IGNOU gold medal 2015 won the world’s oldest scientific prize, the Royal Ajeet Kumar Saroj, a 23-year-old culpable homicide convict lodged Society’s Copley Medal. in Varanasi central jail was on 8 August 2015 awarded with gold  The President and Supreme Commander of the Armed medal by the Indira Gandhi National Open University (IGNOU) Forces has approved 67 Gallantry Awards to Armed at Banaras Hindu University (BHU). He was awarded for topping Forces Personnel and members of Paramilitary Forces in Diploma in Tourism Studies. Covering 20 districts, he is the one which include two Kirti Chakras, 10 ShauryaChakras, and only gold medalist from Varanasi region of IGNOU. In one Bar to Sena Medal (Gallantry), 49 Sena Medals February 2012, Ajeet was lodged in jail and is serving an (Gallantry), two NaoSena Medals (Gallantry) and three imprisonment of 10 years.Before pursuing the Diploma in Tourism Vayu Sena Medals (Gallantry). Studies, he has pursued four certificate courses from IGNOU which includes certificate course in NGO management, certificate course KIRTI CHAKRA in human rights, certificate course in food and nutrition and Lieutenant colonel nectar Sanjenbam (Army), Sub. Rajesh Kumar certificate course in disaster management. (Army, Posthumous) Goa Tourism Minister Parulekar conferred with PATWA 2015 award Goa Tourism Minister Dilip Parulekar on 7 August 2015 received the Pacific Area Travel Writers Association (PATWA) - Safari  India South Asia Travel Award 2015. PATWA was established in 1998 at the Pacific Area Travel Association (PATA) Conference in Colombo, Sri Lank. It is a professional organization of travel writers. Parulekar is the first tourism minister of Goa to receive this BOOK & AUTHOR prestigious award.  The book titled Making India Awesome authored by Zhanna Nemtsova awarded with Poland’s Solidarity Prize Chetan Bhagat was released by Rupa Publications. 2015  The book titled Mrs Funnybones: She’s Just Like You Poland’s Solidarity Prize 2015 was awarded to Zhanna Nemtsova and a Lot Like Me authored by former Bollywood actress for championing human rights and democracy. Twinkle Khanna was released. Mrs. Funnybones is about As a recognition to this, she received 1.1 million US dollars human how a modern woman looks at India and how India looks rights prize. Currently, Nemtsova works for German broadcaster back at her. Deutsche Welle in Berlin.  Book titled The Kumbh Mela: Mapping the Ephemeral Megacity authored by Tarun Khanna was released by Hindi litterateur Kashinath Singh chosen for Bharat Bharti Uttar Pradesh Chief Minister Akhilesh Yadav. literary award 2014  Book titled R.D. Burman: The Prince of Hindi litterateur Kashinath Singh was shortlisted for the Uttar Music authored by Khagesh Dev Burman was released Pradesh’s highest literary award Bharat Bharti. UP Hindi Sansthan on 27 June 2015, the day when the music world celebrated with cash prize of 5 lakh rupees present the award every year. His the 76th birth anniversary of Rahul Dev Burman. most famous novel is Kashi ka Assi. Besides this he had written  Book titled Ghosts of Calcutta authored by Sebastian many novels and short stories. Ortiz was released. Sebastian Ortiz is the pen name of French Consul-General of India Fabrice Etienne. NEWS IN BRIEF  Bangladesh novelist Zia Haider Rahman on 19 August 2015 won the James Tait Black award 2015 for his debut 

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PERSON IN NEWS

Ashwani Lohani Ashwani Lohani was appointed as the Chairman the state to promote eco tourism, especially tiger tourism in and Managing Director (CMD) of state owned national carrier Air Maharashtra India Limited. He succeeded senior IAS officer Rohit Nandan whose Jayant Patel Justice Jayant Patel was appointed as acting Chief tenure ended on 21 August 2015. Justice of the Gujarat High Court. Justice Patel has replaced Justice Karnal Singh assigned additional charge of Director of VM Sahai who retired as acting chief justice on superannuation. Enforcement Directorate Ram Nath Kovind Senior Bhartiya Janata Party (BJP) leader Ram Sebastian Coe The former Olympic champion Sebastian Coe Nath Kovind was on 8 August 2015 appointed as Governor of was elected as the sixth President of the International Association Bihar. He succeeds West Bengal Governor Keshri Nath Tripathi, of Athletics Federations (IAAF). The British Olympian was elected who was holding additional charge of Bihar. as the President at the 50th IAAF Congress in Beijing, China. Rekha M Menon was appointed as the chairperson of Accenture Kishor Piraji Kharat was on 18 August 2015 appointed as the India. Rekha replaced Avinash Vashista who was both Chairman Managing Director (MD) and Chief Executive Officer (CEO) of and Managing Director of Accenture India, since 2011. Industrial Development Bank of India (IDBI). Atul Keshap Indian-American Atul Keshap was appointed as the Ajit Kumar Seth Former Cabinet secretary Ajit Kumar Seth was United States (US) Ambassador to Sri Lanka and Maldives. Earlier, on 14 August 2015 appointed as the Chairman of the Public Keshap had been an official at the US Embassy in India. Enterprises Selection Board (PESB). He was appointed for a period Amitava Ghosh was appointed as Vice President-engineering of of three years or till he attains 65 years of age. Domestic e-commerce portal Snapdeal. As a Vice President- Om Prakash Rawat, a 1977 batch Indian Administrative Services engineering, Ghosh will head company’s technology innovation (IAS) officer of Madhya Pradesh cadre was appointed as the centre in Bengaluru and lead the company’s future development of Election Commissioner of India. intuitive technology solutions.

Sanjay Jalona Former Infosys executive Sanjay Jalona was Roland S Folger was appointed as the Managing Director (MD) appointed as the Managing Director (MD) and Chief Executive and Chief Executive Officer (CEO) of Mercedes-Benz India with Officer (CEO) of L&T Infotech, subsidiary of Larsen and Toubro effect from 1 October 2015. He will succeed Eberhard Kern, who (L&T). will now head company’s operations in Europe.

Acharya Dev Vrat was sworn-in as the Governor of the Himachal Iqbal Ahmed Ansari Justice Iqbal Ahmed Ansari was appointed Pradesh on 12 August 2015 at the Raj Bhawan in Shimla. He is as Acting Chief Justice of Patna High Court. Ansari is a senior- 27th Governor of this hill state. most Judge of Patna High Court.

Sudhakar Shetty of Maharashtra was elected as the president of Swati Maliwal took charge as the Chairperson of Delhi the Gymnastics Federation of India (GFI) . He succeeds Jaspal Commission for Women (DCW), along with three other members. Singh Kandhari. Her appointment was approved by Lt Governor Najeeb Jung.

Amitabh Bachchan Bollywood megastar Amitabh Bachchan Ashish Bahuguna appointed as the Chairman of food safety accepted the proposal of Sudhir Mungantiwar Maharashtra regulator Food Safety and Standards Authority of India (FSSAI). Forest Minister Sudhir Mungantiwar to be the tiger ambassador of

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Ram Sevak Sharma was appointed as the Chairman of telecom Om Prakash Munjal The founder of Hero Cycle Om Prakash regulator Telecom Regulatory Authority of India (TRAI). He Munjal passed away on 13 August 2015 following a brief illness at succeeded Rahul Khullar who had retired in May 2015. the DMC Hero Heart Centre, Ludhiana. He was 87.

Ajay Mathur was on 24 July 2015 appointed as the Director- Bhalchandra Pendharkar Veteran Marathi stage actor, singer General (DG) of The Energy and Resources Institute (TERI). His and drama producer Bhalchandra Pendharkar died at a private appointment was made by TERI’s Governing Council. hospital in Mumbai on 11 August 2015

Babasaheb Purandare Historian and writer Babasaheb Purandare Kayyara Kinhanna Rai Eminent Kannada poet and freedom was awarded with Maharashtra Bhushan Award 2015. He was fighter Kayyara Kinhanna Rai passed away on 9 August 2015 at bestowed this award in literature category by Maharashtra Governor Badiyadkka in Kasaragod district of Kerala. He was 101. He was C Vidyasagar Rao at a function held at Raj Bhavan, Mumbai. an author, poet, journalist and Indian independence activist.

0BITUTARY George Cole The actor George Cole, best known for playing the role of Arthur Daley in the TV series Minder, died on 5 August India’s First Lady Suvra Mukherjee passed away 2015 following a brief illness. He was 90. India’s First Lady Suvra Mukherjee, wife of President Pranab Mukherjee, passed away on 18 August 2015 following a cardiac Arnold Scaasi, the Canadian Fashion Designer, died on 4 August arrest in New Delhi. Suvra Mukherjee was born on 17 September 2015 following cardiac arrest in New York. He was 85. Scaasi was 1940 in Jessore, Bangladesh. She was the founder of the Geetanjali known for his exuberant creations that were worn by socialites and Troupe to propagate Rabindranath Tagore’s philosophy as Hollywood stars. expressed through his songs and dance-dramas. For many years, Cilla Black Legendary British singer Cilla Black, who had a 50- she performed in the poetic dance-dramas in different parts of year music and television career, passed away on 1 August 2015 in India and across Europe, Asia and Africa. She had also written two Estepona, southern Spain. She was 72. books Chokher Aloey (personal account of her close interaction with former Prime Minister Indira Gandhi) and Chena Achenai Jagannath Singh Former Madhya Pradesh (MP) Minister and Chin (a travelogue recounting her visit to China). senior Bhartiya Janta Party (BJP) leader Jagannath Singh passed away on 3 August 2015 in Bhopal after prolonged illness. Dr. Suniti Solomon The pioneering Indian HIV/AIDS researcher Dr. Suniti Solomon died at her residence in Chennai on 28 July Clive Rice, former South African cricketer passed away in 2015. She died due to cancer and was 76.She was the first person Johannerburg, South Africa at the age of 66 in India who documented the nation’s first HIV/AIDS case in 1986 Yakub Memon 1993 Mumbai serial blasts lone death row convict, and later set up Y R Gaitonde Centre for AIDS Research and Yakub Memon was executed on 30 July 2015 at the Nagpur Central Education (YRG CARE) – the first voluntary testing and counseling center for the disease. Jail.

Harwant Singh World War-II hero, Colonel Harwant Singh (retd) passed away at the age of 95. On the first Independence Day of  India in 1947, he was officer-in-charge of the flag hosting ceremony.

Les Munro The last surviving Dambusters pilot, Les Munro, died on 4 August 2015 in New Zealand following heart problems. He was 96.Les Munro was among the pilots who took part in the legendary Dambusters operation of World War II in 1943.

Paravoor Bharathan Malayalam actor Paravoor Bharathan died on 18 August 2015 in Kerala after suffering from age-related ailments.

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Masdar City of Abu Dhabi banks. Thus, the area will be suitable for being developed as habitat Prime Minister Narendra Modi 5 visited the Masdar City of Abu for the species. Dhabi during his official visit to the UAE. Masdar City, a zero carbon planned city, relies on solar energy and other renewable Nagpur-Mumbai expressway energy sources. It is situated 17 km from Abu Dhabi. Maharashtra Chief Minister Devendra Fadnavis announced construction of 800 kilometers of Nagpur-Mumbai expressway. Vindhyachal STPS The Nagpur-Amravati-Aurangabad-Ghoti-Mumbai expressway, Bharat Heavy Electricals Limited (BHEL) commissioned a 500 also called Communication Super-expressway, would be build MW coal-based power plant unit at Vindhyachal Super Thermal at the cost of 30000 crore rupees. Besides, the state government Power Station (STPS) in Vindhyanagar, Singrauli district of Madhya also plans to develop IT parks, smart cities, and education hubs Pradesh. With the commissioning of this unit, BHEL has now along the road. commissioned seven sets of 500 MW each aggregating to 3500 MW, the highest by BHEL in a power project. Jindai Botanical Gardens in Tokyo World’s largest flowerAmorphophallus Titanum bloomed for the Guizhou, China first time in 5 years in the fourth week of July 2015 at the Jindai The World’s Largest Radio Telescope, with a dish size equal to 30 botanical gardens in Tokyo, Japan. The flower Titan arum measuring football fields is being constructed in Guizhou province of south 2-meter (6.5 feet) in height rarely flowers and is notoriously difficult west China named as Five-hundred-meter Aperture Spherical to propagate.It is commonly called the corpse flower because it Telescope (FAST). smells like rotting meat that helps attract pollinators such as beetles It is an Aricibo-type telescope. National Astronomical observatories and flies. Moreover, it only last for few days. (NAOC) of Chinese Academy of Sciences (CAS) is managing the telescope and funded by the National Development and Reform NEWS IN BRIEF Commission (NDRC).The ground dispenses support for the gigantic  Tendong Lho Rum Faat (Prayer of the Tendong telescope and the natural landscape provides perfect size and shape Mountain), an ancient and natural festival of the ethnic for the construction of telescope whereas the porous soil forms an Lepcha tribe of Sikkim was celebrated with traditional underground drainage system to protect the telescope. devotion and fanfare. It is an annual festival celebrated in Saser Kangri-III peak in Ladakh the month of July-August. Union Home Secretary LC Goyal and Krishna Chaudhary, Director  Aadi Perukku festival was celebrated in Tamil Nadu with General, Indo-Tibetan Border Police (ITBP) flagged off the Saser traditional gaiety. On this day, thousands of people Kangri-III (7495 mtr) climbing and ski-down expedition at a function including newlywed couples performed pooja in Cauvery at the ITBP Head-Quarters in New Delhi. The 36-member Saser River in Erode Tiruchirapalli and Salem. Kangri-III mountaineering and ski down expedition team led by  Gadhimai Temple Trust of Nepal banned animal sacrifice Rattan Singh Sonal, 2nd In Command, has been put through rigorous that occurs during Gadhimai festival, the world’s biggest physical training and has been extensively trained on all technical animal sacrifice event held once in every five years. aspects required to tackle difficulties, while ascending through  Dinanagar town in Gurdaspur district of Punjab was in glacial fields, knife edge icy ridges, rocky spires on its way to news in July 2015 as it witnessed a terrorist attack that higher altitude camps and summit. killed seven people including 4 policemen.  Conakry, the capital of the Republic of Guinea, was Harike Patan named as the World Book Capital for 2017 by United Punjab Government announced that it is trying to make Beas Belt, Nations Organization for Education, Science and Culture near Harike Patan as a habitat of Gharials (Gavialis gangeticus). (UNESCO). The decision was made by an international For this purpose, in initial phase 15 Gharials will be released in the committee of experts on 30 June 2015 during a meeting. Beas belt in February-March 2016. The Gharials will be released in the area by World Wide Fund for Nature (WWFN), an NGO  near Karmowal village which has ample water bodies with sand

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 23 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 SPORTS CRICKET West Ham United in the opening game of the season against Michael Clarke announced his decision to retire Coventry City. Australian cricket captain Michael Clarke announced his decision NEWS IN BRIEF to retire from International Cricket after playing the ongoing Ashes series. M ich ael Jo h n C larke n ickn am ed ”Pup” is an Australian Test  India’s Abhishek Verma on 15 August 2015 won the gold cricketer and current Australian cricket team Test captain. He was medal in the compound men’s individual section in the also the Australian ODI cricket captain until his retirement from Archery World Cup Stage 3 competition at Wroclaw, ODI cricket after the 2015 Cricket World Cup. Poland. Details of his cricket career  India’s ace shuttler Saina Nehwal became the first Indian  Test: Batted in 197 innings of 114 matches and scored to win silver in the World Badminton Championship. 8628 runs of which 329 not out was his highest score.  Indian Men’s Hockey Team won three match series of  ODI: Batted in 223 of 245 matches and scored 7981 their European Tour 2-1 after defeating Spain 4-2 at runs of which 130 was his highest score. Teresa in Spain.  T20Is: Batted in 28 of 34 matches and scored 488 runs  Senior India hockey player Gurbaj Singh was suspended of which 67 was his highest score. for 9 months for indulging in groupism and creating disharmony within the team. He will be debarred from BCCI announced Ad-Hoc Committee for Cricket palying 2016 Rio Olympics. The decision was taken in a Administration in Bihar and Uttarakhand meeting of Hockey India’s disciplinary committee headed The Board of Control for Cricket in India (BCCI) on 7 August by midfielder and former India coach Jude Felix and 2015 announced the formation of Ad-Hoc Committee for cricket Harbinder Singh. administration of Bihar and Uttarakhand.The panel for Bihar will  Ace Indian gymnast Dipa Karmakar clinched the be headed by its chairman Niranjan Shah. The panel for Uttarakhand women’s vault bronze medal at the 6th Senior ART will be headed by MP Pandove. Gymnastics Asian Championships at Hiroshima, Japan. TENNIS  Indian women’s recurve team of Deepika Kumari, Laxmirani Majhi and Rimil Buriuly won a silver medal at Andy Murray won Rogers Cup Masters tournament the World Archery Championships in Copenhagen, Briton Andy Murray won the Rogers Cup Masters tournament in Denmark. Montreal, Canada. In the title clash, Murray defeated world number  Indian champion Joshna Chinappa won the women’s one Novak Djokovic. It was Murray’s 11th Masters Title. squash title in the 15000 US Dollar Victorian Open WSA Event in Melbourne, Australia. In the final clash, OTHER SPORTS Chinappa defeated second seed Line Hansen of Denmark 11-5, 11-4, 11-9. South Sudan became 206th member of Olympic movement  Fourteen year old Master Prabhroop Sekhon won two South Sudan became the 206th member of the Olympic family. gold medals in 300 metre and 500 metre Roller Skating at International Olympic Committee approved its inclusion of this the Special Olympics World Summer Games. The event African country. is being held at Los Angeles, USA. August Edition of FIFA World Rankings released  Hockey India appointed Roelant Oltmans of the The August edition of the FIFA/Coca-Cola World Rankings was Netherlands as coach of men’s national team. The official released on 6 August 2015. Being at the first position Argentina is announcement was made by the Hockey India President followed by Belgium at second rank (moved up 1) and Germany at Narinder Batra after meeting with the Director of the third rank (moved down 1).The important thing to notice in the Sports Authority of India (SAI). August edition of the FIFA rankings is that for the first time Chile  Court of Arbitration for Sports (CAS) allowed Indian entered top ten being at the tenth rank whereas the Netherlands women athlete Dutee Chand to compete in women’s moved out of top ten being at the 12th position. event with immediate effect. India is at 156th position with 161 points in FIFA World rankings.  Chris Froome, a cyclist from Team Sky of Britain, won 102nd Tour de France in a three-week slog of furious Bangladesh lifted South Asian Football Federation U-16 title race around the Champs Elysees, Paris. With this, Bangladesh Under-16 team on 18 August 2015 won their first-ever Froome became the first Briton to win the Tour de France South Asian Football Federation (SAFF) under-16 title after for the second time. defeated defending champions India 4-2 in penalties. Besides India  The Union Government constituted All India Council of and Bangladesh, the tournament was participated by Nepal, Sri Sports as an advisory body for the Union Ministry of Lanka, Afghanistan and the Maldives. Youth Affairs and Sports.  10-year old Shubham Jaglan won the IJGA World Stars Aditi Chauhan became India’s first woman to play in English of Junior Golf event in Las Vegas. Jaglan is the son of a league football milkman from rural Haryana, India. Aditi Chauhan, India’s international football goalkeeper, on 16 August 2015 became the country’s first woman to play English league football. She made her debut for the women’s team of the 

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Earth-like exoplanet Kepler 452b discovered Multi Application Solar Telescope (MAST) Earth-like exoplanet Kepler 452b was discovered by Kepler  Its dome is made up of tensile fabric and is a collapsible Mission. The discovery of it was made public during the NASA dome. press conference. It resides in a year-long orbit in the habitable  It will be used to calculate the vector magnetic fields of zone of a Sun-like star in the constellation of Cygnus some 1400 active regions at different heights of the solar atmosphere. light-years away.The planet is a near-twin of Earth orbiting Sunlike  It will also be used to examine seismic effects of solar Star and is estimated to 1.6 times (60 percent) larger than Earth. flares. New “secret” planetary system discovered with - 3 super- NASA enhanced collision-avoidance system to avoid traffic Earths jams between satellites orbiting Mars A new secret planetary system which has 3 super-Earths and one NASA in July 2015 beefed up its enhanced collision-avoidance outer giant planet was discovered by Astronomers.This secret system with an aim to ensure that Mars orbiters do not approach planetary has the constellation named Cassiopeia, located at a each other too closely. The system involves process of traffic distance of just 21 light years from Earth and was named as monitoring, communication and maneuver planning.The step was HD219134. HARPS-N spectrograph, a high-precision radial- taken after addition of two new spacecraft, namely NASA’s Mars velocity instrument specially designed by an international Atmosphere and Volatile Evolution (MAVEN) and India’s Mars consortium discovered this new secret planetary system. Orbiter Mission (Mangalyaan), to orbit the Mars has gone up to Bharti Airtel launched 4G services in 296 towns across five. India NEWS IN BRIEF 4G high-speed data services were launched in 296 tows in pan- India by Bharti Airtel. The service will be made available to  eCommerce firm Snapdeal on 4 August 2015 launched customers through Wi-Fi routers, internet dongles and 4G-enabled its new service named Snapdeal Instant to enable mobile phones.With this, Bharti Airtel, the largest telecom company delivery of packages to customers as early as within an of India, became the first company to offer pan-India 4G hour of placing the order. network.4G service will be available to the customers at 3G prices  A new version of Windows named Windows 10 was with packs starting at 25 rupees. To provide the 4G services, rolled out by microsoft in 190 countries. There will also Airtel has collaborated with mobile manufacturer major Samsung.In be a free trail of 90 days for this new OS. April 2012, Bharti Airtel launched the first 4G services in Kolkata and after that it is now available in 15 other cities of India.  Global satellite named ‘GlobalSat for DRR’ proposed to be named after Abdul Kalam Global satellite called GlobalSat for DRR was in news in the first HEALTH week of August 2015 as it was proposed to be named after former Indian President Dr. APJ Abdul Kalam who died on 27 July 2015. EU banned marketing of around 700 generic medicines of This satellite is used for earth observation and disaster risk reduction GVK Biosciences and will be named as UN Kalam GlobalSat. The European Union (EU) banned the marketing of around 700 Milind Pimprikar who is Chairman of CANEUS (CANada-Europe- generic medicines manufactured by India’s pharmaceutical research US-Asia) headquartered in Montreal, Canada made this proposal company GVK Biosciences. These medicines will be banned in 28 in the honour and tribute to Dr. APJ Abdul Kalam. member countries of European Union. This is the largest suspension The proposed GlobalSat will be formally adopted by more than imposed on the sales and distribution of generic drugs and it will 150 world leaders at the UN Session in New York in September come into effect from 21 August 2015. 2015. With this ban, 700 generic medicines will lose their validity for use in the EU and now they will not be distributed or sold by Google launched its parent company Alphabet Inc pharmaceutical companies, drugs stores, wholesale dealers and other A new parent company called Alphabet Inc that separates highly profitable search and advertising business of google was launched outlets. by Search engine giant Google. With this, Alphabet Inc will replace Mosquirix, world’s first malaria vaccine, approved by European Google as the publicly-traded entity and all the shares will be Medicines Agency converted automatically into the shares of new parent entity with The world’s first malaria vaccine called RTS,S or Mosquirix got same rights. approval from European Medicines Agency (EMA).The vaccine was licensed for use on babies aged between 6 weeks and 17 months Multi Application Solar Telescope operationalised at in Africa, which is at the highest risk of the mosquito-borne disease. Udaipur Solar Observatory The vaccine developed by British drugmaker GlaxoSmithKline in A telescope for the detailed study of the solar activity including its partnership with the PATH Malaria Vaccine Initiative, would be magnetic field, named as Multi Application Solar Telescope (MAST) the first licensed human vaccine against a parasitic disease and was made operational at the Udaipur Solar Observatory (USO) of Physical Research Laboratory (PRL). could help prevent millions of cases of malaria. It has a 50 cm aperture and a off-axis Gregorian-Coude telescope. 

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 25 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 ENVIRONMENT & ECOLOGY Researchers discovered evidence of an ancient lake on Mars carried out under Strengthening Regional Cooperation for Wildlife An evidence of presence of an ancient lake on Mars has been Protection in Asia Project with funding from the World Bank. discovered by a team of researchers from University of Coloradow. NEWS IN BRIEF On 5th August 2015, the findings of the research titled Late-stage  NASA’s Lunar Atmosphere and Dust Environment formation of Martian chloride salts through ponding and Explorer (LADEE) has confirmed for the first time, the evaporation were published in journal Geology.According to the existence of glowing neon gas on the moon’s atmosphere. research, through the use of multispectral orbital data small deposits Neon gas is commonly used in electric signs on Earth of chloride salts have been documented at hundreds of locations on because of its intense glow. Mars. Given the small spatial extent of these deposits, their  Typhoon Soudelor made its landfall on the east coast of formation mechanisms, timing and relation to other aqueous the Taiwanese city of Hualien on 8 August 2015. After processes in Mars’ history are presently not clearly known. the landfall, the typhoon battered Taiwan with fierce Centre notifies eco-sensitive zone around Okhla bird winds ranging 230km/h (142mph) and rain leaving four sanctuary in Delhi people dead and a trail of devastation Cyclone Komen The Government has issued the final notification declaring eco- made land fall on Bay of Bengal. sensitive zone (ESZ) around Okhla bird sanctuary. The move is  expected to bring relief to people who have booked flats around the area. Okhla Bird Sanctuary is at the Okhla barrage over Yamuna River and is situated in Noida Gautam Buddh Nagar district on DEFENCE Delhi-Uttar Pradesh state border. It is known as a haven for over Indo-UK Bilateral Air Exercise Indradhanush concluded 300 bird species, especially water birds. Indo-UK bilateral Air Exercise Indradhanush between Indian Air India lost 41 tigers in 7 months: NTCA & Traffic India data Force (IAF) and British Royal Air Forces (RAF) concluded. During Fresh data from National Tiger Conservation Authority (NTCA) the 10-day exercise different elements of the IAF contingent and TRAFFIC-India, the wildlife trade monitoring network released operated from separate RAF bases. The Sukhois operated from in August 2015 revealed that between January and August 2015, Corningsby, combat support elements from Brize Norton and the India lost about 41 tigers. The count is similar to the count in the Garud special forces from Hunnington.The two air forces also same period in 2014. operate common combat support platforms, namely the Globemaster and the Super Hercules. Southern states to set up Inter-State Coordination Council to resolve forest-related issues India’s first Harbour Defence System commissioned at Forest Ministers of southern states of India on 6 August 2015 Kochi decided to set up a Southern Forest Ministers’ Inter-state India’s first Integrated Underwater Harbour Defence and Coordination Council. Kerala Forest Minister Thiruvanchoor Surveillance System (IUHDSS) was commissioned in Kochi, Radhakrishnan will be the President of the council for the first Kerala.It is a part of measure taken to nourish and beef up coastal year. The President of the council ffor the first year will be Kerala’s security in the western coastline. Forest Minister Thiruvanchoor Radhakrishnan. About Integrated Underwater Harbour Defence and The Council will be build in an attempt to handle forest-related Surveillance System (IUHDSS) problems in the region and to improve concerted efforts for ensuring  It is Designed by Israel Aerospace Industries (IAI). livelihood security, ecological and socio-economic condition of the  It consists of sound navigation and ranging systems region.The Southern Forest Ministers’ Conference held in (SONAR), coastal surveillance radars and advance Thiruvananthapuram attended by the forest ministers of Tamil sensors. Nadu, Andhra Pradesh, Karnataka and Pudducherry, took the  It has the ability of Capable of tracking, identifying, decision to form the council. detecting and generate warning for all types of underwater SHEFROL: An Eco-friendly way of treating water and surface threats to harbour security SHEFROL (SHEet Flow ROot Level), a scientific technology based 16th Anniversary of Kargil Vijay Diwas observed across on waste water treatment plant built at Chinna Kalapet fishing the country hamlet in Puducherry, was found to be successful.PhD student The 16th anniversary of Kargil Vijay Diwas observed across the Ashraf Bhat as part of his thesis work with the guidance of nation on 26 July 2015. On this day in 1999 Indian Army defeated Assistant Professor Tasneem Bhat set this waste water treatment Pakistan Army in the Kargil War.The observance of the day in plant in November 2014. 2015 was marked with paying tribute to Kargil War heroes by Bangladesh part of Sundarbans witnessed rapid decline in laying a wreath at Amar Jawan Jyoti in Delhi by Defence Minister tiger population between 2004 and 2015 Manohar Parrikar and three service chiefs - Army chief General Bangladesh part of Sundarbans forest witnessed a rapid decline in Dalbir Singh Suhag, Air Chief Marshal Arup Raha and Navy chief the tiger population between 2004 and 2015. This was revealed by Admiral RK Dhowan.The 73-day Kargil War fought during May – theTiger Census 2015 in the fourth week of July 2015.As per the July 1999 between India and Pakistan saw Indian forces come out Tiger Census 2015, the number of tigers in Bangladesh part of the victorious against the intruders and taking back all the occupied Sundarbans declined sharply from 440 in 2004 to 106 in 2015. strategic positions in Kargil and Dras sector. The war was also Sunderbans in Bangladesh are spread over 6097 sq.km and are the called Operation Vijay, which was the name of the Indian only natural habitat of the country. The Tiger Census 2015 was operation that cleared the Kargil sector. conducted by Bangladesh-India Joint Tiger Census Project and was  B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 26 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 RECENT SUMMIT IN NEWS

Kazakhstan became 162th member of WTO principles of the Commonwealth of promotion of international Kazakhstan has been declared as the 162th member of World Trade understanding, world peace and democratic governance. Organization. In the year of 1996, talks were initiated for Kazakhstan to become a member of WTO as its accession and 48th ASEAN Foreign Ministers’ meet held in Kuala Lumpur, Malaysia finally ended after its long wait of 20 years. Kazakhstan president The 48th ASEAN (Association of Southeast Asian Nations) Foreign Nursultan Nazarbayev and WTO Director General Robert Azevedo at Geneva signed the agreement of elevation. Ministers’ meet was held in Kuala Lumpur, Malaysia between 4 August and 6 August 2015. The meet was chaired by Anifah Aman, India decided to boycott 61st Commonwealth Parliamentary Minister of Foreign Affairs of Malaysia. The meet was held under Conference to be held in Islamabad the theme ”Our People, Our Community, Our Vision”, to create an India decided to boycott the 61st Commonwealth Parliamentary ASEAN Community which is truly people-oriented, people-centred Conference which is slated to be held in Islamabad, Pakistan from comprising all areas of cooperation. ASEAN is a political and 30 September to 8 October 2015. This decision was taken after the economic organisation of ten Southeast Asian countries. It was meeting of the Speakers of all State Legislative Assemblies in New formed on 8 August 1967 by Indonesia, Malaysia, the Philippines, Delhi, as this meeting was called to discuss the Pakistan’s decision Singapore, and Thailand. Since then, membership has expanded to to not invite the Speaker of Jammu and Kashmir (J&K) Kavinder include Brunei, Cambodia, Laos, Myanmar (Burma), and Vietnam. Gupta. As India insisted that Pakistan saying that by not inviting J&K speaker, it is violating the Commonwealth Parliamentary Association (CPA) constitution and was against the guiding 

COMMITTEE & ITS FUNCTION

 The Reserve Bank of India’s (RBI’s) High Powered  Union Ministry of Youth Affairs and Sports constituted Committee on Urban Cooperative Banks (UCBs) headed a Working Group on re-drafting National Sports by RBI Deputy Governor R Gandhi in its report has Development Code of India (NSDCI). The aim of recommended conversion of UCBs with business size of constituting the working group is to make the NSDCI 20000 crore rupees or more into regular banks. This will more relevant from both sports governance and legal allow them to grow and proliferate further for financial angles.The nine-member Working Group will be headed inclusion. by Justice CK Mahajan (retd.), Former Judge of Delhi  The Union Government constituted a three member team High Court. to assess the situation over the student protest in Film and Television Institute of India (FTII) in Pune. The  three-member team will be headed by the Registrar of Newspapers in India (RNI) SM Khan and comprise two more I&B Ministry officials.  Maharashtra government constituted a cabinet sub- committee to assemble an action plan to tackle the forthcoming drought crisis by Maharashtra government. State Agriculture Minister Eknath Khadse will head this committee. The government has planned to transport drinking water from the Ujani dam to Latur in the Marathwada region through railway wagons to overcome the situation of drought.

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INTERNATIONAL & NATIONAL INSTITUTION

Name of the organisation Headquarter Head UN Security Council New York The presidentship is held for one month by member countries in alphabetical order. UN General Assembly New York Huke Jeremic; 2013-John William Ashe UN Secretariat New York Ban Ki Moon International Court of justice The Hague, Netherlands Peter Tomka International Criminal Court Lyons, France Song Sang-Hyun Economic and Social Council New york Milos koterek Food and Agriculture organisation Rome Jose Graziano da Silva International civil Aviation organisation Montreal, Canada Raymond Benjamin International Labour organisation Geneva Juan Somavia International Monetary Fund Washington DC Christian Lagarde (former head Dominique Strauss Kahn was involved in a sex scandal) International Atomic Energy Agency Vienna, Austria Yukiyo Amano International Maritime Organisation London, U.K. Koji Sekimizu United nations Educational Cultural and Paris Irina Bokova (1st woman to have Social organisation become director-general)

Internatioonal labour organization Geneva Juan Somavia International fund for Agriculture Rome Kanayo F. Nwanze Development World Bank New York Jim Yong kim World health Organisation Geneva Dr. Margaret chan World intellectual property organisation Geneva Francis Gurry World trade Organisation Geneva Pascal Lamy United nations International Children and New York Anthony lake Women Fund Association of South East Nations Seat of Secretariat- Jakarta, Surin Pitsuwan indonesia North Atlantic Treaty organisation Brussels Anders Fogh Rasmussen Greenpeace Founded – Vancouver, Canada: Ana Toni, Indian lalita ramdas headquarter – Amsterdam was also its former head International criminal police organization or Lyons Mireilli Ballastrazi, secy gen – Interpol Ronald noble European organization for nuclear Research Geneva Rolf Dieter Heuer European Union Belgium Herman von Rompuy European parliament Belgium Martin Schulz The Commonwealth London Head – Queen Elizabeth II: secy gen – Kamlesh Sharma (India):chaipperson in office – kamla parsad bissessar Non-Aligned Movement Belgrade Mahmoud Ahmadinejad South Asean corporation for regional co- Kathmandu Mohammed Hasad Ahmes Manik operation Amnesty international London Sahil Shetty

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 Prime Minister of India Narendra Modi visited United Arab Emirates (UAE) between 16 August and 17 August 2015.

 Filipe Nyusi, President of Mozambique came to india for signed an Memorandum of understanding (MoU) to strengthen the

cooperation in New and Renewable Energy Sector.

 Mr. Zigmund Bertok, Ambassador of Slovak Republic came to New Delhi

 DATE & OBSERVATION

19 August: World Humanitarian Day Theme - Inspiring the World’s Humanity. 15 August: Independence Day (India ) 10 August: International Youth Day 10 August: World Bio-Fuel Day 9 August: International Day of the World’s Indigenous People Theme - Post 2015 Agenda: Ensuring indigenous peoples’ health and well-being. 6 August: Hiroshima Day 3 August: Independence day of niger 7th August: first National Handloom 30 July: World Day Against Trafficking in Persons/ International Day of Friendship 29 July: International Tiger Day 28 July 2015: World Hepatitis Day Theme - Prevent hepatitis. Act now. 26 July: Kargil Vijay Diwas 23 July: National Broadcasting Day 18 July: Nelson Mandela International Day

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Telangana Government launched Grama Jyothi Scheme. Maharashtra’s Dahi Handi granted with the Adventure Sport Telangana Chief Minister K. Chandrasekhar Rao launched a flagship status programme Grama Jyothi across the state at Gangadevipally, a Maharashtra government accorded the status of ‘adventure sport’ village in Warangal district. The state government plans to spend to the human pyramids of ‘Govindas’ which are formed during the Rs.25,000 crore for the development of villages over the next four Dahi Handi festival but said those below 12 years won’t be able to years under this ambitious project. The scheme will focus on participate in it. Permission letters from parents for students improving the Human Development Index (HDI) by addressing between 12 to 15 years of age is mandatory for participation in the core issues such as drinking water and sanitation, health and sport. nutrition, education, infrastructure, natural resources management, agriculture, social security and poverty reduction. Rajasthan High Court banned Santhara ritual in Jain Community Himachal Pradesh Government launched RISHTA project Rajasthan High Court on 10 August 2015 banned the Santhara Rajiv Gandhi Illuminating Scheme for Hill Town ritual prevailing in the Jain Community. Pronouncing its judgment, Advancement (RISHTA) project was launched by Himachal the court considered the act as a criminal act amounting to suicide Pradesh Government on 20 August 2015. It is an efficient smart and directed to register cases under section 306 of Indian Penal LED based street lighting project. With this, Himachal Pradesh Code (IPC). Santhara, an ancient ritual also called Sallekhana or became the first state in North India to do so. The scheme is also Samadhi-marana or Sanyasana-marana, is the voluntary starvation known as Centralized Control and Monitoring System (CCMS) to embrace death. The ritual was banned by the court on a Public Smart Street Lighting Scheme for Urban Local bodies which Interest Litigation filed by human rights activist Nikhil Soni a decade implements LED based street lighting project. This project is being ago, claiming that the ritual is a social evil and should be considered implemented by collaboration of state Urban Development as a suicide. Department and EESL(Energy Efficient Services Limited) Tripura Legislative Assembly passed a resolution against Kerala Government inaugurated a 12 MW solar power death penalty project at Cochin International Airport Tripura legislative assembly passed a resolution against the death Kerala Chief Minister Oommen Chandy inaugurated a 12 MW penalty. This resolution moved by Congress MLA Jitendra Sarkar solar power project at the Cochin International Airport. Spread requested the Union government to amend the Section 302 of the over 50 acres, the project is reportedly the single largest solar Indian Penal Code (IPC) and replace it with life sentence unto project which has been constructed in an airport in India. With this death.As per procedure this resolution will now be sent to Union project, Cochin airport became the first airport in India to run on government and the Law Commission for consideration. solar power. Delhi Government reconstituted Urdu Academy Himachal government made Sanskrit mandatory in Urdu Academy which will comprise of eminent poets,academicians government schools and performers was reconstituted by Delhi Government. Dr. Majid Himachal Pradesh Chief minister Virbhadra Singh on Monday Deobandi was appointed as the Vice-Chairperson of the Academy. announced that Sanskrit will be introduced as a mandatory subject He is a remarkable and famous personality in the Urdu in all government schools in the state. He also directed the academy Circle.Artistes will be paid 15000 rupees from the previous amount to complete the formalities to take overTungesh Sanskrit College at of 5000 rupees for their recitals and poetry by the Urdu Academy. Cheog, so that it could be run in a better way. Cheog is a village in Theog Tehsil in Shimla District of the state. Bihar legislative Assembly passed the Bihar Public Grievance Redressal Bill, 2015 Allahabad HC directed government servants, politicians to On 5th August 2015, Bihar Public Grievance Redressal Bill, 2015 send children to government schools passed by a voice vote by Bihar Assembly.The bill pursue to The Allahabad High Court has directed the Uttar Pradesh Chief provide legal rights to the people of the state for redressal of their Secretary to work out the modalities, within six months, to ensure complaints within a time-frame. that all government servants send their children to primary schools Characterstics of Bill run by the state basic education board. The list includes members  To dismiss grievances of the people in a time-bound of the judiciary, government officials, semi-government employees, manner, Duty-bound binding rules on government employees of local bodies and representatives of people. Passing servants were applied. the judgement, Justice Sudhir Agarwal also ruled that penal  Officials will be dismissed from service if found guilty provisions be laid down for those who violated the order. to do so in time.  Powers in this regard is vested on the Public Grievance Redressal Officer and the first and second Appellate Authorities to deal with delayed grievances cases.

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 A penalty will be charged ranging from 500 to 5,000 rupees on the government servants if they fail to hear VANIK’S KNOWLEDGE GARDEN and redress grievances. Maharashtra government increased the retirement age of Terms Associated With Different Sports medical officers from 58 to 60 Badminton Angled Drive Serve, Backhand Low Serve, Bird, Deuce, Double Droup, Maharashtra government increased the retirement age for group Fault, Flick Serve, Forehand Smash, Let, Lob, Love All, net Shots, Rush, ‘A’ category medical officers from 58 to 60 years. The relaxation Smash. will be provided for all those who retired on 31 May 2015. Special Baseball increments will also be awarded by the state government to officers Base, Battery, Bunting, Catcher, Diamond, Hitter, Home Infield, Outfield, holding post graduate diplomas and degrees to fortify the availability Pinch, Pitcher Plate, Pullout, Short Stop, Strike. Basketball of sufficient human resources to provide health services. Ball, Basket, Blocking, Dribbling, Free Throw, Held Ball, Holding, Jump The Cabinet also accepted a proposal to modify the lacunae in the Ball, Multiple Throws, Pivot. Transplantation of Human Organs Act 1994, and increase quantum Billiards of punishment for crimes pertaining to human organ transplants. Baulk Line, Break, Bolting, Cannon, Cue, Hazard, In-off, Jigger, Long jenney, Pot, Scratch, Screw Back, short Stop, Strike. Haryana Government to honour victims of Emergency 1975 Boxing with Tamra Patra Ausiliary, Babit Punch, Break, Cut, Defence, Down, Hook, Jab, Lying On, Knock, Seconds out, Slam, Upper Cut, Weight In, Win by Knock-out. The Haryana government has decided to honour those who were Chess oppressed or went to jail during the Emergency between 15 June Bishop, Capture, Castling, Checkmate, En Passant, Gambit, Grand Master, 1975 and 21 March 1977. Those who struggled for restoration of King, Knight, Pawn, Queen, Rook, Stalemate, Under Promoting. democratic values during the 18-month-long Emergency will be Cricket given ‘Tamra Patra’on the Independence Day function, that is, 15 Ashes, Banana, Boundary, Bowling, Caught, Chinaman, Cover Drive, August 2015. Crease, Doosra, Duck, Duckworth-Lewis Rule, Fine Leg, Follow On, Full Toss, Gardening, Googly, Gully, Hat-trick, Hit Wicket, Inswinger, l.b.w., Chengalikodan Banana from Kerala accorded GI status Leg-break, Leg-bye, Leg Glance, late Cut, maiden Over, No Ball, Off Break, On Drive, Out, Outswinger, Over, Mandatory Over, over Pitch, Popping Chengalikodan banana variety from Thrissur district of Kerala has Crease, Rubber, Run Down, Run Out, Short Pitch, Silly Point, Slip, Square been accorded Geographical Indication (GI) status by the Chennai Leg, Stone Walling, Straight Drive, Stumped, Short leg, Spin, Swing, based Central GI registry. GI status is an indication that identifies Thirdman, Yorker. Football goods as produced from a particular area, which has special quality Advantage Clause, Blind Side, Centre Forward, Corner Kick, Dead Ball, or reputation attributable to its geographical origin. Chengalikodan Direct Free Kick, Dribble, Goal kick, Golden Goal, Hat-trick, Marking, banana is known for its unique shape, size, colour and taste. It was OffSide, Penalty Kick, Penalty Shootout, Red Card, Striker, Throw In, cultivated in erstwhile Chengazhikode from where it got its name Tripping as Chengazhikodan banana which was later changed as Golf Best-ball Foursome, Bogey, Bunker, Caddie, Dormy, Fairway, Fourball, Chengalikodan banana. Foursome, Greed Holes, Links, Niblic, Par, Put, Rough, Stymied, Tee, Threesome. NEWS IN BRIEF Hockey  Uttar Pradesh Government has announced that two films Advantage, Back-stick, Bully, Cary, Centre Forward, Corner, Dribble, Flick, namelyMasaan and Jaanisaarwill be free from the Free-hit, Goal Line, Green Card, Halfway Line, Hat-trick, Off-side, Roll -in, Scoop, Short Corner, Sixteen-yard hit, Square Pass, Stick, Striking Cirele, entertainment tax in the state. They were made tax free Tackle, Tie-breaker, Zonal Marking. as they were entirely shot in Uttar Pradesh. Horse Racing  Competition Commission of India (CCI) on 29 July 2015 Jockey, Punt, Steeplechase, Thorough Bred. imposed penalty upon Karnataka Film Chamber of Judo Commerce (KFCC), Karnataka Television Association Ashi-waza, chui, Dan, Dojo, Gyaku, Hajime, Ippon, Jigotai, Kaeshiwaza, Koka, Makikomi, Nage-waza, O-goshi, Randori, Scarf, Tani-Otoshi, Uchi- (KTVA) and Kannada Film Producers Association komvi, Waki-gatame, Yoshi, Yuko. (KFPA). The penalty was imposed for contravening Karate the Section 3 of the Competition Act, 2002. Age Zuki, Ai-uchi, Aka, Chakugan, Dachi, Encho Sen, Fudotachi, Gedan, Geri, Hajime, Ibuki, Jion, Kakato, Koka, Makiwara, Nidan, Obi, Rei, Sanbon, Shiro, Tobigeri, Ude, Waza-ari, Yoko-geri, Zanshin, Zen-no. Polo Bunker, Chukker, Mallet.  Rowing Bow, Bucket, Cow, Ergometer, Feather, Paddle, Regatta. Rugby Football A Trackle, Lines, Scrum, Touch, Try. B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 31 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

RECENT GOVERNMENT DEVELOPMENT & SCHEME

Union Government launched web portal Vidya Lakshmi Union Government launched the School Nursery Yojana, an for Students Seeking Educational Loans initiative to bring students closer to nature. The Yojana seeks to The Union Government launched a web portal named Vidya engage class VI to IX in raising of saplings in nurseries created in Lakshmi (www.vidyalakshmi.co.in) for the benefit of students schools. Union Environment Minister Prakash Javadekar in New seeking Educational Loans.It is the first portal of its kind that Delhi launched this Yojna with the theme to plant a tree for provides single window for students to access information and sustainable future and to make the nation clean and green. make application for educational loans provided by banks as well About School Nursery Yojana as for government scholarships. It has facility to apply to multiple  1000 schools will be covered in this yojna in its first banks for educational loans. So far, 13 Banks have registered 22 phase and will extend to 5000 schools in 2016 and many Educational Loan Schemes on the Vidya Lakshmi Portal and 5 more in the upcoming years. Banks including SBI, IDBI Bank, Bank of India, Canara Bank and  As part of practical exercise for biology classes and extra- Union Bank of India have integrated their system with the Portal curriculum activities, students will grow saplings. for providing loan processing status to students.  The nursery will be maintained by the school principals for at least five years. Union Ministry for Minority Affairs launched Nai Manzil  An amount of 25000 will be granted to each school for Scheme in Patna creation of the nursery with essential facilities. The Union Minister for Minority Affairs Najma Heptulla launched a new Central Sector Scheme Nai Manzil in Patna. Haryana’s CM Manohar Lal launched ‘Thari Pension Thare Key features of the scheme Pass’ scheme  It provides a new direction and a new goal for the dropped Haryana Chief Minister, Manohar Lal Khattar on 4 August 2015 out students and those studying in Madrasas as they launched scheme named Thari Pension Thare Pass in dont get the formal Class XII and Class X Certificates Chandigarh. This project has been launched in the view of bringing resulting them largely unemployed in organised sector. more transparency in payment of social security pensions for  It focuses at providing educational involvement by giving Widows, Handicapped and Old age. The programme also gives the the bridge courses to the trainees and getting them facility of tracing account online to know the balance in pensioner’s Certificates for Class XII and X from distance medium account.State government’s Social Justice and Empowerment educational system. Department has implemented this and Team Kalyankarini of the  A trade basis skill training in 4 courses including department has been undertaken it. Manufacturing, Engineering, Services and Soft skills will also be provided to them. Union Cabinet approved direct release of wages into bank  It will provide them the direction for continuing higher accounts of MNREGA workers education. The Union Cabinet approved release of wages directly to the accounts of the workers engaged under the Mahatma Gandhi Telecom Ministry launched mobile app named Disha to National Rural Employment Guarantee Act (MGNREGA). The promote digital literacy in Bihar objecive of this Direct release of wages system under the MNREGA Telecom Minister Ravi Shankar Prasad launched a new mobile app is for the efficient flow of funds and to allow state governments to named Disha to promote digital literacy in Bihar. The app will help deliver entitlements as per the objectives of the Act. people to learn about computers and Internet through self learning Henceforth, the wage component of MGNREGA will be directly modules in Bihar. The app forsees offering the digital literacy to released to the worker’s accounts based on a fund transfer order to tribal and Dalit women in the State.”Disha handbook” was also be generated by states’ implementing agencies of government. launched by telecom ministry which contains pictographic lessons The fund transfer order in case of wages of workers from on computers operations. “Digital Saksharta Abhiyan” was also implementing agencies will be based in accordance with procedures initiated to promote digital literacy. prescribed by Union Rural Development Ministry and the wage component will be given to the State Employment Guarantee Fund Union Government launched School Nursery Yojana to bring window for further transferring it to beneficiaries. students closer to nature In the implementation of this scheme, the gram panchayats will be empowered to take up work according to the agreed labour budget and without struggling for release of funds.

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The benefits of proposed system will be :  Information will be provided online in the real-time about  Overall efficiency of implementation will be improved the availability of children in adoption agencies across and stakeholders wil be benefitted. the nation.  By bringing greater transparency in movement of funds  For monitoring adoption programme at the district level, the level of corruption will be reduced in MGNREGA. District Child Protection Units (DCPUs) are connected  State governments can spend more time in planning and in CARINGS. improving the process efficiency rather than bothering PM Narendra Modi launched Deendayal Upadhyaya Gram to manage funds. Jyoti Yojana in Patna Rural Development Minister launched ‘SAMANVAY’ for The Prime Minister (PM) Narendra Modi launched Deendayal Gram Panchayats Upadhyay Gram Jyoti Yojana (DDUGJY) along with various other Rural Development Minister Chaudhary Birender Singh launched development projects in Patna. SAMANVAY, a compilation of all schemes of both Union and About DeenDayal Upadhyaya Gram Jyoti Yojana (DDUGJY) State governments for Gram Panchayats. The objective of  The DeenDayal Upadhyaya Gram Jyoti Yojana for rural SAMANVAY is to help MPs in employing relevant schemes in areas was launched to fulfil the following objectives: the planning and implementation of Saansad Adarsh Gram Yojana  To provide electrification to all villages (SAGY). It will work as a database for mapped and compiled  Feeder separation to ensure sufficient power to farmers information on various gram panchayat activities through schemes and regular supply to other consumers undertaken by the Centre and State Governments.  Improvement of Sub-transmission and distribution Schemes documented in SAMANVAY are more than 1800 from network to improve the quality and reliability of the across all states. supply A magazine named ‘Panchayat Darpan’ has also been launched to  Metering to reduce the losses monitor the progress of the SAGY which will behave as a mirror of The Scheme has an outlay of 76000 crore rupees for implementation all the development activities. of the projects under which Union Government shall provide Grant of 63000 crore rupees. Guidelines Governing Adoption of Children 2015 came into effect On 1st August 2015, “Guidelines Governing Adoption of Children 2015” came into effect after it was notified by Union Government.  Effective regulation for adoption of orphan, abandoned and surrendered children and to bring more transparency and efficiency VANIK S KNOWLEDGE GARDEN in the adoption system is the main motive of the newly introduced ’ guidelines. Organisation headed by Prime Minister Prospective Adoptive Parents (PAPs) will be able to track the 1. Planning Commission status of their application with the effect of these new guidelines. 2. National Integration Council CARINGS (Child Adoption Resource Information & Guidance System) which is the fully reconditioned IT application for the 3. National Ganga River Basin Authority purpose of adoption of children has also become operational. (NGRBA) Following features will be facilitated by CARINGS : 4. National Development Council (NDC)  From nowonwards, parents can register themselves online 5. National Commission for Population Co and upload the relevant documents to determine their ntrol eligibility. 6. Department of Space (DoS)  Adoption agencies will conduct and upload the home 7. Department if Atomic Energy study reports online. 8. Nuclear Command Authority  CARINGS will accept all the applications online and 9. Indian Board of Wild Life requisite documents need to be uploaded in the system 10. National in cases of inter-country adoption. Disaster Management Authority  Both in domestic and in international adoption, Post- (NDMA) adoption follow-up shall be posted online in CARINGS. 11. Council of Scientific and  For in-country and inter-country adoption, all Specialised Industrial Research (CSIR) Adoption Agencies are connected to CARA online.

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200 MCQ ON CURRENT AFFAIRS

1. As per 2011 census report what (e) ASEAN 15. Airtel has rolled out high speed 4-G percentage of Indian population are 8. The Union govt. is examining a proposal services in how many towns in India graduates? to raise what amount through long (a) 236 (b) 196 (a) 8.15% (b) 12.15% term bonds from LIC in order to meet (c) 246 (d) 286 (c) 18.15% (d) 22.15% funds requirements for food subsidy (e) 296 (e) 25.15% bill 16. The 48th ASEAN Foreign Minister’s nd 2. Indian Air Force has established its 2 (a) Rs. 30,000 cr. meeting was held recently in base for the C-130J Super Hercules (b) Rs. 20,000 cr. (a) Indonesia (b) Malaysia Aircraft at Burdwan in (c) Rs. 40,000 cr. (c) Japan (d) Laos (a) Bihar (d) Rs. 50,000 cr. (e) Singapore (b) West Bengal (e) Rs. 60000 cr. 17. Which country has launched the (c) Goa 9. As per the recently published RBI Suez canal expansion work (d) Uttar Pradesh bimonthly credit policy, GDP growth (a) Egypt (b) Iraq (e) Haryana has been projected at what percentage (c) Syria (d) Iran th 3. The 18 IIT of India started function for 2015-16 (e) None of these recently at Palakkad in (a) Rs. 5.6% (b) Rs. 6.6% 18. India has imposed anti-dumping duty (a) Tamil Nadu (c) Rs. 7.6% (d) Rs. 8.6% on some products from which country (b) Maharashtra (e) Rs. 9.6% (a) Pakistan (b) Iran (c) Gujarat 10. Which committee has recommended for (c) China (d) Nepal (d) Kerala creation of Small Finance Bank in India (e) Bangladesh (e) Karnataka (a)DeepakMohanty Committee 19. Recently Union govt. has imposed 10% 4. The Union Rural Development (b) Nachiket More Committee import duty on which of the following Ministry has launched which web (c) Y.K. Alag Committee (a) Sugar (b) Wheat portal to monitor progress and (d) Bimal Jalan Committee (c) Rice (d) Pulses implementation of Sansad Adarsh (e) None of these (e) None of these Gram Yojana 11. Ramanujan Prize for 2015 in 20. Which mobile service provider has (a) SAMANVAY Mathematical Science has been launched Pan-Indian 4-G services (b) SAMANATA conferred to recently (c) SADVABANA (a) Prof. Amartya Sen (a) BSNL (b) Reliance (d) SAMAJDHARI (b) Prof. Amalendu Mishra (c) Aircel (d) Airtel (e) None of these (c) Prof. Jagdish Bhagwati (e) None of these 5. Recently govt. of India has signed MOU (d) Dr. S. Prahalad 21. The 61st Commonwealth Parliamentary to deepen cooperation in new and (e) None of these Conference will be held in September renewable energy maritime security 12. The union govt. has handed the 2015 in and ocean economy with which Udhampur terror attack in Punjab to (a) India (b) Iran country (a) CBI (b) CID (c) Pakistan (d) Sri Lanka (a) Nigeria (b)Mozambique (c) NIA (d) ED (e) Myanmar (c) Tanzania (d) Somalia (e) None of these 22. RBI has recently notified which section (e) South Africa 13. Which state assembly has passed a of Banking Regulation Act 1949 – 6. The USA Food and Drug Administration resolution to abolish death penalty relating to relaxation in Branch has approved the first drug made with (a) Assam (b) Bihar Authorisation Policy 3-D printer pills for treating which (c) Tamil Nadu (d) Tripura (a) Section 21 (b) Section 22 disease (e) Mizoram (c) Section 23 (d) Section 24 (a) Cancer (b) Epilipsy 14. The 1st dedicated freight corridor of India (e) Section 27 (c) Ebola (d) AIDS will be operational in which state by 23. Indian-American Atul Kishap has been (e) Plague 2016 appointed as USA ambassador to 7. “Transforming our World : The 2030 (a) Bihar (a) Maldives Agenda for Sustainable Development” (b) Assam (b) Sri Lanka is the agreed document signed at (c) West Bengal (c) Bangladesh (a) WTO (b) UNO (d) Gujarat (d) Both (a) & (b) (c) IMF (d) World Bank (e) Maharashtra B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 34 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

(e) Both (a) & (c) (d) Banking Section Bureau (a) 10th July 24. As per Forbes 2015 World’s highest (e) None of these (b) 10th June paid actors who top the list 32. In the 3rd phase of auction how many (c) 10th August (a) Robert Downey coal blocks will be accutions (d) 10th September (b) Jackie Chan (a) 5 (b) 6 (e) 10th May (c) Vin Diesel (c) 7 (d) 8 40. Michael Clarke who announced his (d) Bradley Cooper (e) 9 decision to retire from International (e) Adam Snadler 33. Coal India will invest what amount in Cricket belong to which country 25. Name the Indian actors in the Forbes the next 5 years to increase annual (a) England list of highest paid actors 2015 production (b) New Zealand (a) Amitabh Bachchan (a) Rs. 60,500 cr. (c) Australia (b) Salman Khan (b) Rs. 61,500 cr. (d) South Africa (c) Akshay Kumar (c) Rs. 62,500 cr. (e) Zimbabwe (d) All of these (d) Rs. 68,500 cr. 41. Recently PM Modi was on official (e) None of these (e) Rs. 69,500 cr. visit to which West Asian nation 26. Which city top the list of 100 city in 34. NALCO will set up a $ 2.6 billion (a) Israel (b) Palestine Swatch Bharat ranking aluminium complex in which country (c) Lebanon (d) UAE (a) Bangaluru (a) Iraq (e) Saudi Arab (b) Mysore (b) Iran 42. Who is Pakistan High Commissioner to (c) Allahabad (c) Bangladesh India (d) Jaipur (d) Afghanistan (a) Nawav Sharif (e) None of these (e) Myanmar (b) Rahul Sharif 27. The central and Delhi govt. has formed 35. Major political parties in Nepal agreed (c) Imran Khan a SPV to clean and rejuvenate which to divide the country into how many (d) Abdul Basit river provinces (e) Shahariyar Khan (a) Ganga (a) 4 (b) 5 43. Suicide bomb attack killed the Home (b) Yamuna (c) 6 (d) 7 Minister of which Pakistani Province (c) Some (e) 9 recently (d) Both (b) & (c) 36. South Korean steel company POSCO (a) Sindh (e) None of these signed MOU to form a joint venture (b) Karachi 28. Which country has turned its clock back for 3 million tonnes plant in (c) Baluchistan 30 minutes to create a new time zone (a) Jharkhand (d) Punjab (a) Iran (b) Karnataka (e) Lahore (b) South Korea (c) Maharashtra 44. Terrorist attacked Loard Brahma (c) North Korea (d) Chhatisgarh Temple killing many in which country (d) Myanmar (e) Odisha recently (e) Japan 37. Which Indian city become the 1st Indian (a) Indonesia (b) Malaysia 29. Abdulla Yameen is the President of city to be member of Beijing based (c) Thailand (d) Iran (a)Afghanistan (b) Bangladesh World Tourism Cities Federation (e) UAE (c) Pakistan (d) Iran (a) Mysore 45. As per recent report what percentage (e) Maldives (b) Kochi of the accounts opened under PMJDY 30. Which of the following has banned the (c) Jaipur remain zero balance account cultivation of GM crops (d) Patna (a) 20% (b) 30% (a) Ireland (b) Netherland (e) Bangaluru (c) 40% (d) 50% (c) Scotland (d) Germany 38. ISRO has commissioned first indigenous (e) 70% (e) Italy titanium space plant at Chavara in 46. India & UAE agreed to set up a fund 31. Govt will set up which institution to (a) Bihar worth what amount to support recommend appointment of directors (b) Odisha investment in infrastructure in India in Public Sector Banks (c) Jharkhand (a) $ 50 billion(b) $ 60 billion (a) Banking Service Board (d) Kerala (c) $ 75 billion(d) $ 80 billion (b) Banking Appointment Board (e) West Bengal (e) $ 90 billion (c) Banking Board Bureau 39. World Bio-fuel day is observed on

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47. Which neighbouring country of India 53. Which Indian Paramilitary force has (a) Rs. 62839 cr. went to Parliamentary election recently created record by planting 4 lakh (b) Rs. 63498 cr. (a) Pakistan sapling in a single day (c) Rs. 65896 cr. (b) Bangladesh (a) ITBP (b) CRPF (d) Rs. 67389 cr. (c) Afghanistan (c) BSF (d) CISF (e) Rs. 69389 cr. (d) Sri Lanka (e) RDF 61. Which sports person has been selected (e) Nepal 54. Who is the newly appointed Election for this year Rajiv Gandhi Khel Ratna 48. The Cabinet Committee on Economic Commissioner of India Award Affairs chaired by PM Modi has (a) Naseem Zaidi (a) V. Anand declared a package of what amount for (b) H.S. Brahma (b) Sania Newhal the standing kharif crop loss due to (c) Aahal Kumar Joti (c) Sania Mirza the weak monsoon (d) O.P. Rawat (d) Marry Kom (a) Rs. 200 cr. (e) None of these (e) None of these (b) Rs. 300 cr. 55. What is the revenue earning for the govt. 62. Which programme of the Indian govt. (c) Rs. 400 cr. by the FM phase-III auction held has been recognised as the world’s (d) Rs. 500 cr. recently largest cash transfer programme by (e) Rs. 800 cr. (a) Rs. 500 cr. Guiness Book of World Record 49. USA India cyber dialogue to increase (b) Rs. 800 cr. (a) PAHAL (b) MGNREGS global cyber security was held in (c) Rs. 1000 cr. (c) AMRUT (d) FSA August 2015 at (d) Rs. 1200 cr. (e) All of these (a) New Delhi (e) Rs. 1500 cr. 63. Stampede in the Baidyanathdham (b) New York 56. Central govt. has decided to sale what temple in which state killed many (c) Washington percentage share in coal India through person recently (d) Mumbai public offer (a) Madhya Pradesh (e) Bengaluru (a) 5% (b) 7% (b) Uttar Pradesh 50. Recently India has signed MOU for (c) 8% (d) 10% (c) Jharkhand construction of a petroleum products (e) 12% (d) Chhatisgarh pipeline from Raxaul (India) to 57. “Indradhanush” project has been (e) Rajasthan Amlekhgung in which country launched by the Union govt. for 64. Megastar Amitabh Bachchan has agreed (a) Bangladesh which sector to become the Brand Ambassador for (b) Myanmar (a) FDI the Tiger Conservation programme of (c) Nepal (b) FII which state (d) Bhutan (c) Banking (a) Rajasthan (e) Afghanistan (d) Insurance (b) Gujarat 51. The Union Solidarity and (e) Micro Finance (c) Maharashtra Development Party is the ruling 58. Govt. has recently appointed private (d) West Bengal party in which neighbouring sector professional as head of which (e) Uttar Pradesh country of India public sector banks recently 65. Youth Innovative Fund scheme has (a) Afghanistan (a) SBI & UCO been recently launched by which (b) Sri Lanka (b) BOB & BOI state govt. (c) Nepal (c) BOB & Canara Bank (a) Bihar (b) Uttar Pradesh (d) Myanmar (d) Canara Bank & SBI (c) Gujarat (d) Odisha (e) Pakistan (e) Canara Bank & BOI (e) Maharashtra 52. Recently China & Pakistan has signed 59. RBI has notified the interest subvention 66. The Nai Manzil scheme launched by 20 agreements to implement the scheme and asked banks to provide the central govt. is related to which ambitious China Pakistan Economic interest concession of what percent to section corridor project worth farm loans upto Rs. 3 lakh (a) SC (b) ST (a) $ 1.2 billion (a) 2% (b) 3% (c) OBC (d) Minorities (b) $ 1.6 billion (c) 4% (d) 5% (e) All of these (c) $ 2.3 billion (e) 6% (d) $ 2.8 billion 60. RBI has transferred the profit of what (e) $ 3.6 billion amount to the central govt. recently

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67. National Green Tribunal issued direction 75. Australia has declared to reduce its 83. The TADA court has issued death to stop unauthorised construction in carbon emission by 26% from its 2005 warrant against Yakub Menon involved the eco-sensitive zone around level by which year in (a) Taj Mahal (a) 2020 (b) 2017 (a) Hyderabad blast (b) Red Fort (c) 2025 (d) 2030 (b) Parliament attack (c) Qutab Minar (e) 2050 (c) J & K Assembly attack (d) Charminar 76. Recently which state govt. has (d) 1993 Mumbai blast (e) All of these announced its new industrial policy (e) 2008 Mumbai attack 68. The World Bank aided National Cyclone (a) Rajasthan 84. To increase the efficiency of the Risk Mitigation project Phase-II will (b) Gujarat Tribunal & to implement Less govt & cover how many states (c) Haryana more governance principle the central (a) 4 (b) 5 (d) Uttar Pradesh govt. has decided to reduce the number (c) 6 (d) 8 (e) Maharashtra of Tribunals from 35 to (e) 10 77. Which Indian Financial Institution has (a) 15 (b) 17 69. POSCO has signed a MOU to establish been accredited by the Green Climate (c) 13 (d) 9 a 3 million tonnes Per annum steel plant Fund as national implementing entity (e) 7 in JV with Uttam steel & power in for undertaking climate change related 85. The new portal named Participatory which state projects in India? Guarantee System has been launched (a) Gujarat (b) Maharashtra (a) SBI (b) IDBI recently by which union ministry (c) Bihar (d) Jharkhand (c) ICICI (d) NABARD (a) IT (b) Telecom (e) Karnataka (e) BMB (c) Commerce (d) Agriculture 70. Name the Chinese currency which was 78. Rajasthan govt. has banned the Santhara (e) Finance devalued recently ritual in the state practised by which 86. The central govt. has decided the raise (a) Yen (b) Yangrit community how many new police battalion to be (c) Yuan (d) Rengget (a) Hindu (b) Muslim deployed in J & K and Naxal affected (e) None of these (c) Parsee (d) Jain districts 71. The multi crore CNG fitness scam has (e) Budhist (a) 17 (b) 18 been reported in which state recently 79. Govt. has recently increased DA for (c) 14 (d) 13 (a) Delhi Freedom Fighter by what percentage (e) 9 (b) Haryana (a) 108% (b) 128% 87. For power sector improvement the (c) Uttar Pradesh (c) 198% (d) 208% cabinet committee on Economic Affairs (d) Gujarat (e) 218% has approved the creation of Intrastate (e) Maharashtra 80. Which country has recently ended its Transmission System (ISTS) in how 72. Indian social security pact with which nuclear energy moratorium many states country came into force recently (a) France (b) China (a) 5 (b) 7 (a) USA (b) UAE (c) Japan (d) UK (c) 9 (e) 11 (c) Canada (d) France (e) USA (e) 13 (e) UK 81. Who will head the Gol appointed expert 88. White-Fi technology or TV White 73. Typhoon Soudeler strike which country group to classify the caste names Space Technology will be introduced recently reported in the socio-economic caste in India by (a) Philippines census? (a) Google (b) Microsoft (b) Myanmar (a) Bibek Debroy (c) Facebook (d) Apple (c) Sri Lanka (b) Arvind Panagaria (e) None of these (d) China (c) Suresh Prabhu 89. The Net Neutrality Committee which (e) Bangladesh (d) Menka Gandhi was appointed by govt. which 74. Which country celebrated its Golden (e) Smruti J. Irani submitted its report recently is headed Jubilee year recently in 2015 82. The central govt. has approved the by (a) Japan (b) Singapore Transit Oriented Development policy (a) A.K. Ganguly (c) Indonesia (d) Canada for which metro city (b) Kiran Karnek (e) Nepal (a) Delhi (b) Mumbai (c) Sam Pitroda (c) Kolkata (d) Chennai (d) A.K. Bhargava (e) All of these (e) None of these

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90. India and Myanmar held their Joint (a) Rs. 10000 cr. 105. Sunitha William an Indian-American Consultative Committee meeting on (b) Rs. 11000 cr. has been conferred with the champion defence cooperation recently at (c) Rs. 12000 cr. of change award by USA for their work (a) Hyderabad (b) New Delhi (d) Rs. 14000 cr. in the field of (c) Beijing (d) Sanghai (e) Rs. 15000 cr. (a) Defence (e) Chengdu 98. The Central govt. has brought how (b) IT 91. Recently India has signed a customs many drugs under the price control (c) Biotechnology & liberalised business visa mechanism recently (d) Environment agreement to boost trade with (a) 49 (b) 39 (e) Finance (a) USA (b) France (c) 29 (d) 19 106. One of the world’s largest religious (c) EU (d) Russia (e) 59 congregation Sinthastha Kumbh Mela (e) Japan 99. SBI has plan to offer what percentage is being held in 92. The New Horizon Space Craft of NASA of its annual profit to employees as (a) Andhra Pradesh was sent to which planet part of talent retention and motivation (b) Maharashtra (a) Mars (b) Jupiter initiative (c) Uttar Pradesh (c) Venus (d) Pluto (a) 2% (b) 3% (d) Bihar (e) None of these (c) 4% (d) 5% (e) Uttarakhand 93. The 28 member EU has approved an (e) 7% 107. The HRIDAY Yojana has been launched instant bail out of what amount for 100. Recently RBI has signed a currency by the Union govt. in the 1st phase in Greece swap agreement with the central bank how many cities (a) 7 billion Euro of which country up to 1.1 billion (a) 12 (b) 14 (b) 9 billion Euro dollar (c) 24 (d) 26 (c) 4 billion Euro (a) Pakistan (b) Nepal (e) 50 (d) 12 billion Euro (c) Bhutan (d) Sri Lanka 108. Which commission probed into the (e) 19 billion Euro (e) Bangladesh IPL spot fixing scandal recently 94. India has started negotiation with the 101. The central govt. has signed a $ 250 (a) Shah Commission Millennium Challenge Corporation million finance agreement with which (b) Lodha Commission (MCC) of which country to encourage international lender for Andhra Pradesh (c) Venkatswamy Commission private investment Disaster Recovery project (d) Naidu Commission (a) Russia (b) USA (a) IMF (b) World Bank (e) Mishra Commission (c) Japan (d) UK (c) IDA (d) IFC 109. India’s first river interlinking project (e) France (e) ADB will be on which the river 95. Who heads the newly constituted RBI 102. Prof. Kamal Bawa who has been elected (a) Ganga-Yamuna Committee on banking inclusion to the Royal Society of London in July (b) Jheum-Chenab (a) C. Rangarajan 2015 is a famous (c) Ken-Betwa (b) R. Gandhi (a) Economist (b) Scientist (d) Mahanadi-Kathjodi (c) H.R. Khan (c) Artist (d) Journalist (e) None of these (d) Deepak Mohanty (e) Writer 110. As per the Socio-Economic caste census (e) None of these 103. Which of the following won the 2015 what percentage of rural household in 96. Tata Advanced System Ltd (TASL) has Pacific Asian Travel Association Award India live at less than Rs. 5000 per signed an agreement with Boeing in the Heritage and Culture category month company of which country for (a) Odisha Tourism (a) 47% (b) 55% collaboration in aerospace and defence (b) Rajasthan Tourism (c) 57% (d) 65% manufacturing (c) North-East Tourism (e) 75% (a) France (b) Russia (d) Kerala Tourism 111. Which is called as the UNO’s nuclear (c) USA (d) Israel (e) None of these watch dog of the world (e) Germany 104. Which is the new helicopter launched (a) NSG 97. Central govt has agreed for an anti- tank missile tested by India (b) Security Council additional capital infusion of what recently (c) NPT amount to PSU banks apart from (a) Saurya (b) Nishant (d) IAEA Rs. 7940 cr. declared in the Budget (c) Lakhya (d) Helinla (e) CTBT this year (e) Akash

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112. Amnestry International the human right (a) Director (b) Musician (c) USA (d) Japan watch- dog of the world is (c) Actor (d) Writer (e) Italy Headquartered at (e) Painter 129. Noted Author Naomi Klein who won (a) Washington 121. Which neighbouring country of India the 36th American Book Award 2015 (b) Geneva will participate for the first time in the belong to (c) London Indian International Fleet Review 2016 (a) Canada (b) Hungary (d) New York at Visakhapatnam? (c) Italy (d) England (e) Hague (a) Pakistan (b) China (e) USA 113. The central govt. has decided to (c) Sri Lanka (d) Bangladesh 130. Which country will help India in operationalise how many coastal police (e) Afghanistan production of Aircraft carrier for Navy? stations to enhance maritime security 122. Recently ISRO has successfully tested (a) Russia (b) France (a) 45 (b) 74 which launch vehicle (c) Italy (d) USA (c) 34 (d) 54 (a) PSLV Mark-III (e) Israel (e) 65 (b) GSLV Mark-III 131. Which Union Ministry has declared 114. The P5+1 which clinched a nuclear (c) ASLV Mark-III the Rastriya Avishkar Abhiyan in deal with Iran recently included the (d) PSLV Mark-II memory of Late APJ Abdul Kalam? 5 permanent members of the UN (e) GSLV Mark-II (a) SC & Tech (b) HRD Security Council and 123. The Pipavav Defence and Offshore (c) Health (d) Defence (a) Japan (b) India Engineering company which has signed (e) Agriculture (c) France (d) USA an agreement with Russian Ship 132. Competition Commission of India (e) Germany building company belong to (CCI) has imposed a fine of Rs. 470 cr. 115. The WPI based inflation continued to (a) Tatas (b) Reliance on which auto manufacturer for unfair fall for the 8th consecutive month and (c) Jindal (d) Mahindra trade practice reported at (e) None of these (a) Tata (b) Suzuki (a) –1.4% (b) –1.8% 124. The Parliament of which country has (c) Hyundai (d) Maruti (c) –2.3% (d) –2.4% passed acts for participation of its (e) None of these (e) –2.6% army in other country 133. On a fresh crackdown which regulating 116. The central govt. has decided to keep (a) China (b) Japan agency has cancelled the registration of Kerosene subsidy per litre at (c) Israel (d) France Sahara Mutual Funds (a) Rs. 22 (b) Rs. 18 (e) UK (a) RBI (b) IRDA (c) Rs. 16 (d) Rs. 14 125. The proposed stake sale in 10 PSU (c) SEBI (d) PFRA (e) Rs. 12 world potentially fetch what amount (e) None of these 117. Krishnapatnam port which get the to the national exchequer 134. Which PSU Oil company has decided Golden Peacock Environmental (a) Rs. 10,000 cr. to invest $ 8.8 billion in the K-G Oil Management Award recently is in (b) Rs. 15,000 cr. and Gas Basin (a) Gujarat (c) Rs. 20,000 cr. (a) IOC (b) BPCL (b) Tamil Nadu (d) Rs. 25,000 cr. (c) HPCL (d) ONGC (c) Andhra Pradesh (e) Rs. 30,000 cr. (e) GAIL (d) Kerala 126. The New Development Bank by 135. PM Modi has launched the Deendayal (e) Maharashtra BRICS started functioning from Upadhyaya Gram Jyoti Yojana for 118. A new subatomic particle pentaquark (a) Beijing (b) New Delhi uninterrupted power supply in rural was discovered by the Scientist at (c) Brasilia (d) Sanghai areas from (a) IAEA (b) NASA (e) Pretoria (a) Gandhinagar(b) Surat (c) DRDO (d) CERN 127. Tennis legend Amelie Maurismo who (c) Patna (d) Shillong (e) CEC has been inducted into the International (e) Gwahati 119. India won the ODI against Zimbabwe Tennis Hall of Fame by ATP belong to 136. Indian MCX has signed agreement with by which country USA based CME group to set up a (a) 3-0 (b) 2-1 (a) Spain (b) Greece multi commodity exchange in the GIFT (c) 0-2 (d) 3-2 (c) France (d) Italy city in (e) 3-1 (e) Sweeden (a) Maharashtra 120. M.S. Viswanathan who passed away 128. Maurice Obstfeld who has been (b) Andhra Pradesh recently is a famous appointed as Chief Economist of IMF (c) Gujarat belong to B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 39 Leading Institute for Banking, Railway & SSC (a) UK (b) France Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

(d) Rajasthan (c) October 2015 151. Which city has emerges as the first (e) Odisha (d) November 2015 nomination to be received by the Union 137. Which regional organisation has banned (e) December 2015 Urban Development Ministry for a the marketing of around 700 Indian 144. SIT on Black Money has warned the Smart City Mission generic medicines among its member govt on which investment options in (a) Ranchi (b) Patna countries Indian economy (c) BBSR (d) Puduchhery (a) African Union (a) FDI (b) FII (e) Lucknow (b) ASEAN (c) ECB (d) P Notes 152. How many Indian companies have (c) BRICS (e) All of these found their name in the fortune 500 (d) EU 145. USA President visit which African global company list 2015 (e) SCO country recently to which his father (a) 4 (b) 5 138. 49 WTO members singed an agreement originally belong (c) 7 (d) 9 on Information Technology trade deal (a) Ethiopia (b) Kenya (e) 14 in order to add how many more (c) Somalia (d) Zimbabwe 153. USA and Cuba established diplomatic products to its list of zero-tariff and (e) Mozambique relation after a gap of how many years duty free trade 146. The Constitutional 122nd Amendment (a) 43 (b) 46 (a) 100 (b) 200 is related to (c) 49 (d) 54 (c) 300 (d) 400 (a) Land Acquisition (e) 56 (e) 500 (b) MAT 154. BRICS promoted New Development 139. IRDA has recently constituted how (c) GST Bank started its operation recently many committes to review the (d) Citizenship from regulations in life, non-life and (e) None of these (a) Beijing (b) Pretoria reinsurance sector 147. Which state govt has launched the (c) Sanghai (d) New Delhi (a) 2 (b) 3 Shyamaprasad Mukherjee Jan Van (e) Brasilia (c) 4 (d) 5 Vikas Scheme for village 155. India has expressed its concern over (e) 7 development around tiger American military sale to 140. Name the Indian selected for the resources (a) Afghanistan (b) China Fukuoka Asian Culture Prize 2015 (a) Maharashtra (c) Sri Lanka (d) Pakistan (a) Suchitra Sen (b) Gujarat (e) Nepal (b) Ramachandra Guha (c) Rajasthan 156. The Kepler Space Telescape has been (c) Ramila Thappar (d)Uttarakhand developed by which country (d) Amartya Sen (e) Odisha (a) France (b) USA (e) None of these 148. The Surakshit Khadya Abhiyan has (c) Russia (d) Japan 141. Indian govt. has sanctioned how been launched by which govt. recently (e) China much financial allocation for the (a) India (b) Bihar 157. China will sale 8 submarines to which Indo-Bangladesh railway project (c) Rajasthan (d)UttarPradesh country as per recent agreement recently (e) Maharashtra (a) USA (b) France (a) Rs. 1000 cr. 149. As per Union govt. report how many (c) India (d) Pakistan (b) Rs. 1500 cr. states have achieved or exceeded the (e) Afghanistan (c) Rs. 2000 cr. literally rate of 80% 158. UNESCO has declare “Conakry” in (d) Rs. 3000 cr. (a) 10 (b) 12 which country as the World Book (e) Rs. 5000 cr. (c) 14 (d) 16 Capital 2017 142. Recently terrorist attack in public (e) 18 (a) Guinea (b) Turkey places in which state 150. The Cabinet Committee on Economic (c) Somalia (d) Nigeria (a) Delhi (b) Punjab Affairs has extended the deadline for (e) None of these (c) Haryana (d) Gujarat CCTNS implementation till 159. What is Indian position in the world (e) Maharashtra (a) March 2016 among countries generating power from 143. IDFC Ltd. has been granted full (b) March 2017 nuclear source fledged licence to start banking (c) March 2018 (a) 6th (b) 7th operation by RBI from 1st (d) March 2019 (c) 12th (d) 16th (a) August 2015 (e) March 2022 (e) 20th (b) September 2015

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160. What is present Indian nuclear power (a) 21st July (b) 22nd July (d) New Delhi generation capacity (c) 23rd July (d) 24th July (e) Bihar (a) 16078 mw (b) 9073 mw (e) 25th July 178. As per UNO report titled world (c) 6732 mw (d) 5780 mw 170. India ISRO has earned $ 100 million population projection 2015 India will (e) 52343 mw by successfully launching 45 surpass China to be the most 161. Bank of India plans to raise what commercial satellites from how many populous nation by amount through the bond sale countries (a) 2020 (b) 2022 (a) Rs. 5000 cr. (a) 15 (b) 12 (c) 2025 (d) 2030 (b) Rs. 6000 cr. (c) 19 (d) 13 (e) 2050 (c) Rs. 7000 cr. (e) 22 179. WHO has declared 100% successful (d) Rs. 8000 cr. 171. Union govt. has recently signed a peace trial of VSV-ZEBOV vaccine against (e) Rs. 10,000 cr. accord with which north-eastern which diseases recently 162. As per PFRDA who among the insurgent group (a) Plague (b) AIDS following can invest in National (a) NDDB (b) NSCN-IM (c) Cholera (d) Ebola Pension Scheme in India (c) NSCN-K (d) KLO (e) None of these (a) NRI (b) PIO (e) ABSU 180. India will test the Barak-8 long range (c) OCI (d) Both a & b 172. India will host the FIPIC summit which surface-to-air missile developed in (e) None of these is an association of collaboration with 163. The Union govt. proposed to constitute (a) Asian nations (a) USA (b) Russia a Monetary Policy Committee with (b) African nations (c) Israel (d) France how many members (c) European nations (e) China (a) 5 (b) 4 (d) Island nations 181. To control the Malaria menace (c) 7 (d) 6 (e) South American nations which country has established (e) 9 173. USA govt. and its power plant owners world’s largest mosquito factory to 164. In the proposed Monetary Policy agreed to slash their carbon emission sterilise mosquito Committee RBI will have how by what percent by 2030 (a) USA (b) Russia many members (a) 22% (b) 32% (c) China (d) Myanmar (a) 4 (b) 3 (c) 42% (d) 52% (e) Japan (c) 2 (d) 1 (e) 62% 182. Due to heavy flood and rain national (e) 5 174. Muttahida Qaumi Movement is a emergency has been declared in which 165. What is the disinvestment target for political group in country this financial year (a) Bangladesh (a) Bangladesh (a) Rs. 55500 cr. (b) Pakistan (b) Myanmar (b) Rs. 69500 cr. (c) Iran (c) Sri Lanka (c) Rs. 64500 cr. (d) Iraq (d) Pakistan (d) Rs. 36500 cr. (e) Syria (e) Nepal (e) Rs. 47500 cr. 175. The union govt. is planning to launch a 183. The central govt. has declared to 166. President Pranab Mukherjee has spectacular psychological operation to infuse what amount in the next 4 recently appointed how many member prevent recruitment by naxal named years to the PSU banks from the Anglo-Indian Community to (a) Psyops (a) Rs. 50000 cr. the Lok Sabha (b) Psynax (b) Rs. 60000 cr. (a) 3 (b) 2 (c) Grayhound (c) Rs. 40000 cr. (c) 4 (d) 5 (d) Octpus (d) Rs. 70000 cr. (e) 7 (e) STU (e) Rs. 80000 cr. 167. Ajay Mathur has bene appointed as 176. The Union Environment Ministry has 184. The Hong Kong central bank has the Director General of given clearance to how many imposed a fine of 7.5 million Hong (a) NTPC (b) BARC infrastructure projects recently located Kong dollar on which Indian Bank for (c) DRDO (d) TERI in protected areas & tiger reserves violating anti money laundering rules (e) ISRO (a) 28 (b) 18 (a) SBI (b) UCO 168. T.K. Chand has been appointed as the (c) 38 (d) 13 (c) PNB (d) IOB new Chairman cum MD of which of (e) 25 (e) BOB the following 177. The biennial defence trade exhibition 185. Which Mutual Fund crossed the Rs. 1 (a) NTPC (b) NALCO Defexpo India 2016 will be held in lakh cr. mark recently (c) SAIL (d) BHEL February 2016 in (a) SBI Mutual Fund (e) GAIL (a) Maharashtra (b) Reliance Mutual Fund 169. National Broadcasting Day is celebrated (b) Rajasthan (c) Tata Mutual Fund on (c) Goa (d) UTI Mutual Fund

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(e) Birla Mutual Fund (d) IFC ANSWER KEYS 186. The “Dhanchayat” educational film (e) IDA on creating awareness on the dangers 194. Sanjeev Chaturvedi & Ansuhu Gupta 1.(a) 2.(b) 3.(d) 4.(a) 5.(b) 6.(b) 7.(b) 8.(c) of borrowing money from the of India have been selected for the 9.(c) 10.(b) 11.(b) 12.(c) unorganised sector has been launched Ramon Magsaysay Award given by 13.(d) 14.(a) 15.(e) 16.(b) by which bank which country 17.(a) 18.(c) 19.(b) 20.(d) (a) ICICI (b) SBI (a) USA 21.(c) 22.(c) 23.(d) 24.(a) (c) NABARD (d) HDFC (b) Switzerland 25.(d) 26.(b) 27.(b) 28.(c) (e) Kotak Mahindra (c) France 29.(d) 30.(c) 31.(c) 32.(a) 187. Forbes Asia Fabulous 50 list (d) Philippines 33.(c) 34.(b) 35.(c) 36.(c) released on the eve of its 10th (e) None of these 37.(b) 38.(d) 39.(c) 40.(c) anniversary has listed how many 195. Union sports ministry has 41.(d) 42.(d) 43.(d) 44.(c) Indian companies constituted a working group to 45.(b) 46.(c) 47.(d) 48.(b) (a) 8 (b) 10 prepare a revised draft of the 49.(a) 50.(c) 51.(d) 52.(b) (c) 12 (d) 15 National Sports Development code 53.(c) 54.(d) 55.(c) 56.(d) (e) 20 with how many numbers 57.(c) 58.(c) 59.(a) 50.(c) st 188. Which state become the 1 to pass (a) 3 (b) 5 61.(c) 62.(a) 63.(c) 64.(c) mandatory voting rule (c) 7 (d) 9 65.(d) 66.(d) 67.(a) 68.(c) (a) Rajasthan (e) 12 69.(b) 70.(c) 71.(a) 72.(c) (b) Gujarat 196. Recently which country has been 73.(d) 74.(b) 75.(d) 76.(c) (c) Maharashtra formally conforred associate 77.(d) 78.(d) 79.(e) 80.(c) (d) Tamil Nadu membership status by CERN. 81.(b) 82.(a) 83.(d) 84.(d) (e) West Bengal (a) India (b) Nepal 85.(d) 86.(a) 87.(b) 88.(b) 189. How many Bangladeshi enclaves inside (c) Myanmar (d) Pakistan 89.(c) 90.(b) 91.(d) 92.(d) India have been exchanged by the Indo- (e) Afghanistan 93.(a) 94.(b) 95.(d) 96.(c) Bangladesh Land Boundary agreement? 197. International Olympic Committee has 97.(c) 98.(b) 99.(b) 100.(c) (a) 111 (b) 81 officially recognised which event as on 101.(b) 102.(b) 103.(d) 104.(d) (c) 91 (d) 51 Olympic sport 105.(d) 106.(b) 107.(a) 108.(b) (e) 41 (a) Hockey 109.(c) 110.(e) 111.(c) 112.(c) 190. Indian Kalyani Group has partnered (b) Baseball 113.(c) 114.(e) 115.(d) 116.(e) with the Rafel company from which (c) Basketball 117.(c) 118.(d) 119.(c) 120.(b) country to produce the Spike Anti Tank (d) Fresbee 121.(b) 122.(b) 123.(b) 124.(b) guided missile in India (e) None of these 125.(c) 126.(d) 127.(c) 128.(c) (a) USA (b) Russia 198. World Archery Championship 2015 129.(a) 130.(d) 131.(b) 132.(c) (c) Japan (d) France was held recently in 133.(c) 134.(d) 135.(c) 136.(c) (e) Israel (a) Beijing (b) Tokyo 137.(d) 138.(b) 139.(b) 140.(b) 191. The RBI has decided to put into (c) Herosima (d) New York 141.(a) 142.(b) 143.(c) 144.(d) circulation what denomination coin to (e) Kyoto 145.(b) 146.(c) 147.(a) 148.(a) commemorate International Day of 199. HD219134 in news recently is 149.(c) 150.(b) 151.(d) 152.(c) Yoga (a) Galaxy 153.(d) 154.(c) 155.(d) 156.(b) (a) 5 (b) 10 (b) Planetary System 157.(d) 158.(a) 159.(c) 160.(d) (c) 50 (d) 100 (c) Vaccine against Ebola 161.(b) 162.(a) 163.(c) 164.(b) (e) 500 (d) New Satellite launched by NASA 165.(b) 166.(b) 167.(d) 168.(b) 192. Which Foreign Bank has decided to (e) None of these 169.(b) 160.(c) 171.(b) 172.(d) stop its private banking business in 200. Indian Joshna Chinappa who won 173.(b) 174.(b) 175.(a) 176.(b) India USD15000 Victorian Open is 177.(c) 178.(b) 179.(d) 180.(c) (a) CITI associated with which sports 181.(c) 182.(b) 183.(d) 184.(a) (b) HSBC (a) Chess (b) Kabbadi 185.(d) 186.(d) 187.(b) 188.(b) (c) RBS (c) Football (d) Squash 189.(d) 190.(e) 191.(b) 192.(c) 193.(b) 194.(d) 195.(d) 196.(d) (d) American Express (e) Golf (e) None of these 197.(d) 198.(b) 199.(b) 200.(d) 193. Indian govt. has signed a $ 300 million loan agreement with which bank for  NRHM (a) IMF (b) ADB (c) World Bank

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40 MCQ ON COMPUTER

1. Which of the following is not true about 3) Webcam 5) None of these the fact of computer memory? 4) Image scanner 17. The provides the flow of data 1) Secondary memory is external 5) None of these between components within the and permanent in nature. 8. Which shortcut keys is used to insert motherboard. 2) Floppy disk is the example of new worksheet in Microsoft excel? 1) path 2) circuit Magnetic Disk. 1) Alt + Shift 3) Bus 4) port 3) Cache memories are accessed 2) Shift + Alt + F10 5) Application way much faster than conventional 3) Alt + Shift + F1 18. Which option is used to display all open RAM. 4) Ctrl + Shift + F1 files in the window? 4) EPROM memory, overcome the 5) None of these 1) New window problem of PROM & ROM 9. VPN stands for- 2) Split word count 5) None of these 1) Visual personal Network 3) Arrange all 2. Software piracy is 2) Video Protocol Network 4) Auto summarize 1) The unauthorized copying of 3) Voice Protocol Network 5) None of these software. 4) Virtual Private Network 19. ‘Esc’ key usually – 2) Application software that are 5) None of these 1) Cancels a dialog box used instead of available upgraded 10. Shift key is a – 2) Closes a sheet versions. 1) Dead key 3) A navigation key 3) Where a single software work 2) sticky key 4) Both 1 and 2 together to a common purpose. 3) Navigation key 5) None of these 4) Both 1 & 2 4) Editing key 20. Computer savvy means- 5) None of these 5) None of these 1) with advanced skills in the use of 3. Which among the following is not an 11. .db stands for- computers example of Internet Browser? 1) Data file 2) Good at hardware and software. 1) Opera 2) Database file 3) Must have expertise in dealing 2) Safari 3) Dynamic link library with all types of softwares 3) Deepnet Explorer 4) None 4) Good at internet chating 4) Mozilla firefox 5) None of these 5) All of the above 5) None of these 12. Which domain name is used for 21. Which device is used to access you 4. 1 PB = ? international organizations ? computer by other computer or for 1) 1024 GB 1) .net 2) .nil talk over phone? 2) 1024 EB 3) .int 4) .com 1) RAM 2) CD ROM drive 3) 1024 TB 5) .co.in 3) Modem 4) Hard drive 4) 1024 MB 13. Backup software is the example of- 5) None of these 5) None of these 1) System software 22. The network which can be established 5. is the initialization of a 2) Utility software within a room , building as well as in a computerized system or restarting a 3) Applications software compus only? computer or its operating system 4) Office software 1) LAN 2) MAN software. 5) None of these 3) WAN 4) INTERNET 1) Formatting 14. an e-mail deleted message 5) None of these 2) Booting storage- 23. The first network that initiated the 3) Plug and play 1) Phishing 2) SPAM internet was- 4) Readying 3) JUNK 4) TRASH 1) Inet 2) Vnet 5) None of these 5) None of these 3) NSFnet 4) Arpanet 6. PDA stands for- 15. Which of the followings is the example 5) None of these 1) A personal digital assistant of Flash memory? 24. Messenger mailbox is present in which 2) Particular data application 1) pendrive 2) DRAM of the given- 3) Permanent digital android 3) SRAM 4) Both 1 and 3 1) Internet Explorer 4) Planning for development assistance 5) None of these 2) Netscape communicator 5) None of these 16. The speed at which the CPU can 3) Both 1 & 2 7. Which is not an input peripheral device? perform the basic operation is called 4) Neither 1) nor 2) 1) Touch screen 1) MIPS 2) Kbps 5) None of these 2) MIC 3) Clock-Rate 4) Wordlength 25. Website is a collection of-

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1) HTML doc. 35. Which one the following is a valid IP ABBREVIATION 2) Graphic Files address? 3) Audio & Video Files 1) 30.101.22.113 ALGOL: Algorithmic Language 4) All of these 2) 401.192.168.1 ALU: Arithmetic Logic Unit 5) None of these 3) 501.167.90.12 ANSI: American National Standards 26. GOOGLE PLUS is- 4) 192.168.1.256 1) Browser 5) None of these Institute 2) Search Ingine 36. How can you increase the font size of API: Application Program Interface 3) Social Networking site selected text by one point every time? APIPA: Automatic Private Internet Protocol 4) All of these 1) By pressing Ctrl + [ Addressing 5) None of the above 2) By pressing Ctrl + ] BASIC: Beginner‘s All Purpose Symbolic 27. (1011100)2 what is the octal 3) By pressing Ctrl + } representation? 4) By pressing Ctrl + { Instruction Code 1) 143 2) 134 5) None of these BCD: Binary Coded Decimal 3) 74 4) 96 37. RFC stands for BDPS:: Business Data Processing Systems 5) None of these 1) Request for comment 28. What is the file extension of M.S. Paint 2) Request for compliment BHTML: Broadcast Hyper Text Markup 1) .jpg 2) .gif 3) Request for calculation Language 3) .png 4) .bmp 4) All of these BIOS: Basic Input Output System 5) None of these 5) None of these BIU: Bus Interface Unit 29. MIME is- 38. The primary key must be a (n)- 1) A transport agent for E-mail 1) Numeric 2) object BMP: Bitmap 2) An interface between the mail 3) related 4) unique C-DAC: Centre For Development Of client and the web sever 5) None of these Advanced Computing 3) A compressor that packages 39. What is a Virus? different formats into SMTP 1) firmware 2) freeware CAD: Computer Aided Design compatible type 3) shareware 4) malware CADD: Computer Added Drafting And 4) All of the above 5) none of these Design 5) None of these 40. We use the function key F4 for which DBMS: Data Base Management System 30. Set of rules used for data transfer- purpose in M.S.word- 1) syntax 2) protocol 1) To delete the last action DCA: Defence Communication Agency 3) logic 4) algorithm 2) To open the find dialogbox DCL: Data Control Language 5) None of these 3) To change the last action DHTML: Dynamics Hyper Text Markup 31. Which of the memory is fastest? 4) All of these Language 1) CACHE 2) RAM 5) None of these 3) Hard disk 4) Rgister ENIAC: Electronics Numerical Integrator 5) None of these And Calculator 32. Micro instructions are kept in which ANSWER KEYS EPROM: Erasable Programmable Read are under given? Only Memory 1) cache 1. (5) 2. (1) 3. (5) 4. (3) 2) ROM 5. (2) 6. (1) 7. (5) 8. (3) FORTRAN: Formula Translation 3) Virtual Memory 9. (4) 10. (2) 11. (2) 12. (3) FPS: Frames Per Second 4) RAM 13. (3) 14. (4) 15. (1) 16. (3) FRAM: Ferro Electric Random Access 5) None of these 17. (3) 18. (3) 19. (4) 20. (1) 33. 8-Bytes can be represented by how 21. (3) 22. (1) 23. (4) 24. (1) Memory many nibbles 25. (4) 26. (3) 27. (2) 28. (4) HSR: Horizontal Scan Rate 29. (3) 30. (2) 31. (4) 32. (2) 1) 16 2) 12 HTML: Hyper Text Markup Language 3) 18 4) 8 33. (1) 34. (1) 35. (1) 36. (2) HTTP: Hyper Text Transfer Protocol 5) 24 37. (1) 38. (4) 39. (4) 40. (2) 34. In DOS, .com stands for? IL: Intermediate Language 1) command file IOP: InputOutput Processor 2) communicational file  IP: Internet Protocol 3) common file ISO: International Standard Organization 4) character file 5) none ISP: Internet Service Provider

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 44 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

LCD: Liquid Crystal Display DESCRIPTIVE ENGLISH LDAP: Light Weight Directory Access Directions (Q.1-10):Read the following passage carefully and answer the given questions. Control Certain words/phrases are given in bold to help you to locate them while answering some of LIFO: Last In First Out the questions. MG: Mega Bytes IT was an achievement A.P.J. Abdul Kalam was always proud of—the successful launch of the Indian Space Research Organisation’s (ISRO) three-stage Satellite Launch Vehicle (SLV)- MICR: MagneticInk Characters Reader 3 on July 18, 1980, from Sriharikota, Andhra Pradesh. In fact, that event brought him recognition MIDI: Musical Instrument Digital Interface and became the launching pad of his spectacular career as a rocket engineer and missile technologist who put India on the world map as a space-faring nation and a missile power. MG: Mega Bytes Kalam received the Bharat Ratna, India’s highest civilian award, in November 1997, played a MICR: MagneticInk Characters Reader key role in India’s nuclear tests at Pokhran, Rajasthan, in May 1998, and became the President MIDI: Musical Instrument Digital Interface of India in 2002. He had a natural affinity for aeroplanes, rockets and missiles. “It was a joy to study the structure of an aircraft,” he once told the alumni of the Madras Institute of OS: Operating System Technology (MIT), Chromepet, Chennai, from where he graduated after a three-year diploma OSI: Open System Interconnection in aeronautical engineering. PC: Personal Computer Kalam’s life was a journey from a simple house on the island of Rameswaram in Tamil Nadu to the Rashtrapati Bhavan, the presidential palace, in New Delhi. He was the most popular PCI: Peripheral Component Interconnect President, establishing an extraordinary connect with the common people, youth and children. PCMCIA: Personal Computer Memory He ceaselessly exhorted them to dream and build a developed India and thus came to symbolise Card International Association their aspirations. He said: “Dream is not something that you see in your sleep, it is something that does not let PDA: Personal Digital Assistant you sleep.” When he asked a child in Hyderabad what her dream was, she replied, “Sir, I want PDF: Portable Document Format to live in a developed country.” The child’s reply haunted him for several days. He always PDL: Page Description Language held that technology was the key to India becoming a developed country. He died in Shillong, Meghalaya, on July 27, 2015 while addressing the students of the Indian RTC: Real Time Clock Institute of Management. In the flurry of tributes that followed, it was relevant that he was RTF: Rich Text Format most often described as a scientist first and politician second. Though he rose from humble RTOS: Real Time Operating System beginnings to become India’s head of state, Abdul Kalam’s initial calling was elsewhere. For 40 years before he entered public life, Abdul Kalam was a scientist, working first in SACK: Selective Acknowledgements defence research before moving on to India’s space programme. He was popularly known as SAM: Security Access Manager the father of the country’s missile programme, but Abdul Kalam also made breakthroughs in SAP: Service Access Point, Systems other areas – notably using what he learnt from rocket technology to create a low-cost coronary stent. Applications Products Abdul Kalam liked to boast that he was “made in India”, because he received all his scientific SCMP: Software Configuration training in the country. And he was an inspiration in many ways: what Abdul Kalam represented Management Plan was the best of what India is and can be. For starters, he was a scientist fascinated by classical poetry and traditional Indian music. He VDL: View Definition Language was a Muslim in a country that too often today celebrates only one of its many religious VGA: Video Graphics Array traditions, and he was a fierce patriot who contributed to India’s security. VHS: Video Home System He was a self-made, ascetic politician at a time when too many Indians believe their political class is corrupt and hereditary. Most of all, he was a patrician from humble beginnings who VLIW: Very Long Instruction Words never forgot his own past, nor the grand history of his country. VLSI: Very Large Scale Integrated Circuits Abdul Kalam’s life, then, gave the lie to many myths that have been allowed to grow up about VPN: Virtual Private Network India, not least by a political class to whom he was an outsider. The idea that India belongs to only one religious tradition, that politics is the domain only of an elite or career politicians that those who reach high status strive only for themselves. These are pernicious myths about a great country, and Abdul Kalam embodied their rejection. He died giving a lecture, still tirelessly talking at 83. He will be missed by many Indians because of who he was; he will be  missed by many more because of what he represented.

1. Which event became the launching pad of Late Dr. APJ Abdul Kalam’s career? a) Successful launch of the Indian Space Research Organisation’s SLV-3 b) When he received Bharat Ratna, India’s highest civilian award c) When he became the President of India in 2002 d) All of the above e) None of the above

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 45 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

2. Where the India’s nuclear tests were conducted in May 1988? 10. Choose the word which is most SAME in meaning of the a) Shillong, Meghalaya word Pernicious, as used in the passage. b) Sriharikota, Andhra Pradesh a) Revolutionary b) Detrimental c) Pokhran, Rajasthan c) Positive d) Benign d) Chromepet, Chennai e) Favourable e) None of the above 3. Which of the following is/are true about Late Dr. APJ Abdul ANSWERS Kalam according to the above passage? (1) He considered himself as ‘made in India’ as he received 1.c 2.a 3.e 4.d 5.b his scientific training in India itself. 6.c 7.a 8.d 9.b 10.e (2) He is mostly recognised as more a scientist than a politician.  (3) He had a natural liking for rockets and missiles. a) Only 1 and 2 b) Only 2 and 3 c) Only 1 and 3 d) All 1, 2 and 3 WORD OF THE MONTH e) None of the above 4. What were his breakthrough achievements in other areas than Directions (1-5): Out of the four alternatives choose the one missile programming? which best expresses the meaning of the given word. a) He developed a low- cost coronary stent 1. Lethargy b) He made India a technologically advanced nuclear nation (a) Excitement (b) Vigor c) He played a key role in the success of Mars Orbitor (c) Haziness (d) Vivaciousness Mission 2. Placid d) All of the above (a) Calm (b) Agitated e) None of the above (c) Worried (d) Passionate 5. What are the other likings of Late Dr. APJ Abdul Kalam apart 3. Humility from aeroplanes, rockets and missiles? (a) Pride (b) Modestly a) Classical Poetry (c) Boldness (d) Arrogance b) Traditional Indian Music 4. Elate c) Folk Dances of Southern India (a) Please (b) Disgrace d) Only A and B (c) Disgust (d) inspire e) Only B and C 5. Relevant 6. What common beliefs were proven to be myths by the life that (a) Trivial (b) Urgent Late Dr. APJ Abdul Kalam lived? (c) Appropriate (d) Weak a) India belongs to only one religious tradition and not more than one religion can exist in harmony in a single country Directions (6-10): Choose the word opposite in meaning to b) Politics is only a career for the people belonging to high the given word. and elite society and those who make it to the position are often very self-oriented 6. Minor c) A person not belonging to a political class is an outsider (a) Big (b) Major and cannot make a stance in this field (c) Tall (d) Heavy d) Only A and B 7. Revealed e) All of the above (a) Denied (b) Concealed 7. Choose the word which is most OPPOSITE in meaning of the (c) Ignored (d) Overlooked word Spectacular, as used in the passage. 8. Hypocritical a) Glorious b) Amazing (a) Gentle (b) Sincere c) Breath-taking d) Magnificent (c) Amiable (d) Dependable e) Unimpressive 9. Fickle 8. Choose the word which is most SAME in meaning of the (a) Courageous (b) Sincere word Exhorted, as used in the passage. (c) Steadfast (d) Humble a) Deter b) Sympathetic 10. Abound c) Encourage d) Discourage (a) Shine (b) Lack e) Comfortable (c) Suffice (d) Fail 9. Choose the word which is most OPPOSITE in meaning of the word Aspirations, as used in the passage. ANSWERS a) Desirer b) Yearning c) Hankering d) Apathy 1.c 2.a 3.b 4.a 5.c e) Aim 6.b 7.b 8.b 9.c 10.b 

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 46 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

BANKING TERMINOLOGY period of time when it is placed in an account paying compound interest. Annual Percentage Yield (APY): A percentage rate reflecting Hypothecation: Charge against property for an amount of debt the total amount of interest paid on a deposit account based on the where neither ownership nor possession is passed to the creditor. interest rate and the frequency of compounding for a 365-day year. In pledge, possession of property is passed on to the lender but in Asset-Backed Securities (ABS): A type of security that is backed hypothecation, the property remains with the borrower in trust by a pool of bank loans, leases, and other assets. Most ABS are for the lender. backed by auto loans and credit cards – these issues are very Insolvent: Insolvent is a person who is unable to pay his debts as similar to mortgage-backed securities. they mature, as his liabilities are more than the assets . Civil Courts Automatic Bill Payment: A checkless system for paying recurring declare such persons insolvent. Banks do not open accounts of bills with one authorization statement to a financial institution. insolvent persons as they cannot enter into contract as per law. For example, the customer would only have to provide one Interest Warrant: When cheque is given by a company or an authorization form/letter/document to pay the cable bill each month. organization in payment of interest on deposit , it is called interest The necessary debits and credits are made through an Automated warrant. Interest warrant has all the characteristics of a cheque. Clearing House (ACH). IPO price: The price of share set before being traded on the stock Basel-II: The Committee on Banking Regulations and Supervisory exchange. Once the company has gone Initial Public Offering, the Practices, popularity known as Basel Committee, submitted its stock price is determined by supply and demand. revised version of norms in June, 2004. Under the revised accord JHF Account : Joint Hindu Family Account is account of a firm the capital requirement is to be calculated for credit, market and whose business is carried out by Karta of the Joint family, acting operational risks. The minimum requirement continues to be 8% for all the family members.. The family members have common of capital fund (Tier I & II Capital) Tier II shall continue to be not ancestor and generally maintain a common residence and are subject more than 100% of Tier I Capital. to common social, economic and religious regulations. Basis Point: One hundredth of 1%. A measure normally used in Limited Companies Accounts: Accounts of companies the statement of interest rate e.g., a change from 5.75% to 5.81% is incorporated under the Companies Act, 1956 . A company may be a change of 6 basis points. Bear Markets: Unfavorable markets private or public. Liability of the shareholders of a company is associated with falling prices and investor pessimism. generally limited to the face value of shares held by them. Certificate of Deposit:. Certificate of Deposits are negotiable Leverage Ratio: Financial ratios that measure the amount of debt receipts in bearer form which can be freely traded among investors. being used to support operations and the ability of the firm to This is also a money market instrument,issued for a period ranging service its debt. from 7 days to f one year .The minimum deposit amount is Rs. 1 Libor: The London Interbank Offered Rate (or LIBOR) is a daily lakh and they are transferable by endorsement and delivery. reference rate based on the interest rates at which banks offer to Controlling Shareholder: Any person who is, or group of lend unsecured funds to other banks in the London wholesale money persons who together are, entitled to exercise or control the exercise market (or interbank market). The LIBOR rate is published daily of a certain amount of shares in a company at a level (which differs by the British Banker’s Association and will be slightly higher than by jurisdiction) that triggers a mandatory general offer, or more of the London Interbank Bid Rate (LIBID), the rate at which banks the voting power at general meetings of the issuer, or who is or are are prepared to accept deposits. in a position to control the composition of a majority of the board of directors of the issuer. Convertible Bond: A bond with an option, allowing the bondholder to exchange the bond for a specified number of shares  of common stock in the firm. A conversion price is the specified value of the shares for which the bond may be exchanged. The conversion premium is the excess of the bond’s value over the conversion price. Foreign Banks: Banks incorporated outside India but operating in India and regulated by the Reserve Bank of India (RBI),. e..g., Barclays Bank, HSBC, Citibank, Standard Chartered Bank, etc. Future Value of an Annuity: The amount to which a stream of equal cash flows that occur in equal intervals will grow over a

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100 G.K. QUESTION FOR SSC/RAILWAY 1. Reasons for the growth of Regional 10. Pradhanmantri Bharat Jodo Pariyojna (c) Irritability and locomotion Political Parties in India is? is related to (d) Growth and locomotion (a) Lack of effective opposition (a) Linking of rivers 21. The expansion of (D)(D)T. is (b)Economic disparities among the (b) Development of Roads (a) Dichloro Diphenyl States (c) Communication Trichloroethane (c) Failure of the national parties (d) Social Integration (b) Dichloro Diamine (d) All of the above 11. CD-ROM is a Trichloroethane 2. The first state in India to be formed on (a) Magnetic Memory (c) Dichloro Diphenyl linguistic basis is (b) Secondary Memory Tetrachloroethane (a) Andhra Pradesh (c) Semiconductor Memory (d) None of the above (b) Odisha (d) Memory Register 22. Which of the following animals is a (c) Karnataka 12. pH value of blood is parasite? (d) Maharashtra (a) In between 8 and 10 (a) Amoeba 3. The only Union Territory which has (b) Greater than 10 (b) Sponge High Court of its own is (c) Less than 6 (c) Plasmodium (a) Chandigarh (d) In between 7 and 8 (d) Earthworm (b) Daman and Diu 13. Great Barrier Reef is situated in 23. Which of the following respires by gills? (c) Delhi (a) Australia (a) Cray-fish (b) Star-fish (d) Lakshadweep (b) Nova Scotia (c) Silver-fish (d) Jelly-fish 4. One of the following subjects is not in (c) North Sea 24. The book ‘Friends and Foes’ was the State List: (d) Southern China written by (a) Market and fairs 14. In India, the longest day occurs on (a) Rajmohan Gandhi (b) Bankruptcy and insolvency (a) April 13 (b) Sheikh Majibur Rahman (c) Police and Prisons (b) October 13 (c) Lord Tennyson (d) Public health and sanitation (c) June 21 (d) Dr. S. Radhakrishnan 5. Who was the founder of Slave Dynasty (d) March 21 25. On the lines of ‘Place on wheels’, a new in India? 15. Which one of the following is not found train ‘Deccan Odyssey’ is operated (a) Balban in new alluvial soil? between (b) Qutub-ud-din Aibak (a) Humus (b) Gas (a) Karnataka and Kerala (c) Muhammad Ghori (c) Minerals (d) Water (b) Kerala and Tamil Nadu (d) Iltutmish 16. Palghat Gap connects Tamil Nadu with (c) Tamil Nadu and Karnataka 6. Chandragupta Maurya was the (a) Kerala (d) Maharashtra and Goa (a) Great-grandfather of Ashoka (b) Karnataka 26. Name of the famous paper which (b) Brother of Ashoka (c) Andhra Pradesh Gandhiji edited to propagate his ideas? (c) Father of Ashoka (d) Both (a) and (b) (a) Harijan (b) Satyagrah (d) Grandfather of Ashoka 17. Jodhpur receives less rainfall than Delhi (c) Khadi (d) Swadeshi 7. Who was known as ‘Lakh Baksh’? because 27. The aeroplane that dropped an atomic (a) Iltutmish (a) Arabian Sea runs parallel to Aravali bomb on Hiroshima was? (b) Raziya (b) It is on leeward side of the winds (a) White Storm (c) Qutub-ud-din Aibak (c) Condensation does not place there (b) Thunder Power (d) Babar (d) All of above factors (c) Enola Gay 8. Who was among the pioneer among the 18. Bamboo is a (d) Black Light social reforms? (a) Tree (b) Climber 28. Which Indian Commercial Bank became (a) Ramkrishna Paramhans (c) Shrub (d) Herb the first in provide mobile ATM (b) Swami Vivekananda 19. Which vitamins are those which if taken service? (c) Raja Rammohun Roy in excess can be dangerous as they are (a) HDFC Bank (d) Dayanand Saraswati stored in the body? (b) SBI 9. Which of the following classes did not (a) B Complex (c) ICICI Bank participate in the Revolt of 1857? (b) E and C (d) IDBI Bank 1. Agriculture labourers (c) B and C 29. Sivakasi, which recently witnessed 2. Money lenders (d) A and D major explosions in the cracker 3. Peasants 20. Which one of the following constitutes manufacturing units, is situated in 4. Zamidars two best reasons for distinguishing the the State of (a) 2 only (b) 2 and 4 living from the non-living? (a) Kerala (c) 1 only (d) 1 and 2 (a) Respiration and excretion (b) Chhattisgarh (b) Reproduction and locomotion (c) Tamil Nadu

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(d) Andhra Pradesh (d) Some type of algae and other 50. How many countries have exploded the 30. Ajanta-Ellora Caves are situated near micro-organism atom bomb before India? (a) Ajmer (b) Aurangabad 40. Which of the following weeds has been (a) 5 (b) 6 (c) Patna (d) Jaipur found useful to check water pollution (c) 4 (d) 3 31. Who is the author of the book caused by industrial effluents? 51. Manikaran Power Plant is in ? ‘Apprenticeship of a Mahatma’ is (a) Parthenium (a) Arunachal Pradesh based (b) Elephant grass (b) Himachal Pradesh (a) Arundhati Roy (c) Water hyacinth (c) Madhya Pradesh (b) Shyam Benegal (d) Both (a) and (b) above (d) Uttar Pradesh (c) Shobha De 41. Mughal presence in the Red Fort ceased 52. First Internal Affairs Minister of (d) Fatima Meer with the fall of independent India ? 32. The ‘break-even point’ is where (a) Aurangzeb (a) Sardar Vallabhai Patel (a) Marginal revenue equals marginal (b) Muhammad Shah (b) Lal Bahadur Shastri cost (c) Shah Alam (c) Jawaharlal Nehru (b) Average revenue equals average cost (d) Bahadur Shah ‘Zafar’ (d) V. Krishna Menon (c) Total revenue equals total cost 42. Who was the first known Gupta ruler? 53. The Andolan Express runs between (d) None of the above (a) Sri Gupta Singur and __ 33. South-south dialogue is associated with (b) Chandragupta I (a) Kolkata (b) Siliguri (a) Co-operation among developing (c) Ghatotkacha (c) Howrah (d) Dhaka nations (d) Kumaragupta I 54. Who introduced English education in (b) Arms conference 43. Which of the following international India ? (c) Summit meeting between the prizes/awards is given for outstanding (a) Cornwalis (b) Rippon developed and the developing contribution on the field of the (c) Delhousie (d) William Bentinck countries journalism? 55 The only medal winner for India in (d) All of the above (a) Booker Prize Sydney Olympics 2000 ? 34. Among the following, which one is not a (b) Pulitzer Prize (a) Leander Paes football club? (c) Sakharov Prize (b) Karnam Malleswari (a) Arsenal (b) Aston Villa (d) Sullivan Prize (c) P.T.Usha (c) Chelsea (d) Monte Carlo 44. Who is recognised as the Father of (d) Mahesh Bhupathi 35. Rate of interest is determined by Geometry? 56. According to census 2011, the number (a) The rate of return on the capital (a) Pythagoras of males and females in India are - invested (b) Euclid (a) 62.37 and 58.65 crores (b) Central Government (c) Johann Kepler (b) 61.67 and 59.35 crores (c) Liquidity preference (d) Rene Descartes (c) 60.39 and 60.63 crores (d) Commercial Banks 45. With which of the following fields is (d) 63.28 and 57.74 crores 36. Which of the following has not been a Ben Kingsley associated? 57. Who was the first Hindi writer to receive component of the agricultural strategy (a) Sports Jnanpith Award? that brought about the Green (b) Medical Science (a) Dr. Randhari Singh Dinkar Revolution? (c) Motion Picture (b) S. H. Vatsyayan (a) Greater intensity of cropping (d) Social Service (c) Mahadevi Verma (b) Guaranteed maximum prices 46. Who among the following leaders was (d) Sumitranandan Pant (c) New agricultural technology not assassinated? 58. Which of the following is not correct? (d) Package of inputs (a) Mahatma Gandhi (a) MSP - Minimum Support Price 37. Which of the following makes the skin (b) Liaqat Ali Khan (b) NGT - National Green Tribunal layer impervious to water? (c) Muhammed Ali Jinnah (c) BSF - Border Security Force (a) Collagen (b) Melanin (d) Lord Louis Mountbatten (d) PIL - Public Introduced Litigation (c) Keratin (d) Chitin 47. When was colour TV transmission 59. Which of the following is not a 38. Generally, the soil of the northern plains introduced in India? national holiday? of India id formed by (a) 1980 (b) 1981 (a) 2nd October (a) Degradation (c) 1982 (d) 1984 (b) 15th Aughtst (b) Aggradation 48. Who was the founder Director of TIFR? (c) 26th January (c) Weathering in situ (a) S. S. Bhatnagar (d) 25th December (d) Erosion (b) H. J. Bhabha 60. Which is not a component of to qualify 39. Two richest source of edible protein are (c) M. N. Saha the ‘Green Embassy’? (a) Meat and eggs (d) Vikaram Sarabhai (a) Rain water harvesting system (b) Milk and vegetable 49. When was ISRO set up? (b) Installation of solar panels on the (c) Soyabean and groundnut (a) 1965 (b) 1969 roof (c) 1971 (d) 1976

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(c) Installation of air treatment filter (c) The whole Council of Ministers 76. Which of the following gland is in the office ventilation system resigns responsible for the secretion of insulin? (d) Daily disposal of garbage (d) The Minister resigns (a) Pituitary (b) Pineal generated in the embassy 69. The only instance when the President (c) Thymus (d) Pancrease 61. ‘CEPI’ stands for of India exercised his power of veto 77. Insulin is discovered by (a) Comprehensive Environmental related to the (a) Linak Pollution Index (a) Indian Post Office (Amendment (b) Batting & Best (b) Council of Environmental Bill) (c) Jenner Pollution of India (c) Dowry Prohibition Bill (d) Waksman (c) Centre of Environmental (c) Hindu Code Bill 78. Islets of langerhans is situated in Pollution Indiana (d) PEPSU Appropriation Bill (a) Spleen (b) Brain (d) Centre of Environmental 70. The control of the preparation of (c) Pancreas (d) Liver Pollution and Industries electoral rolls for parliament and 79. Corpus luteum is a mass of cells found 62. The author of ‘Philosophic Zoologique’ legislature vests with the is is - (a) President (a) Brain (b) Ovary (a) Lamarck (b) Darwin (b) Election Commission (c) Pancreas (d) Spleen (c) Aristotle (d) Morgan (c) Cabinet 80. Hormone insulin is a 63. Border roads are built solely with the (d) Prime Minister (a) Glycolipid purpose of maintaining 71. What is contained in the tenth schedule (b) Fatty acid (a) trade ties with neighbouring of the constitution? (c) Peptide countries (a) Languages recognised by (d) Sterol (b) tourism constitution 81. Number of muscles found in human (c) security of the country (b) Forms of oath or affirmation body- (d) religious ties with other countries (c) Laws that cannot be challenged in (a) 600 (b) 630 64. The principle of ‘Kinship’ is the basis any court of law (c) 639 (d) 653 for one of the following theories of (d) Provision regarding 82. Strongest muscle of man found in origin of the state - disqualification on grounds of (a) Wrist (b) Finger (a) Social contract theory defection (c) Jaw (d) Leg (b) Evolutionary theory 72. For Election to the Lok Sabha, a 83. Which of the following organ have its (c) Force theory nomination paper can be field by own wave of autonomic excitation? (d) Divine origin theory (a) Any citizen of India (a) Heart (b) Kidney 65. In Uttar Pradesh IT City is being (b) Any citizen of India whose name (c) Liver (d) Intestine established in - appears in the electoral roll of a 84. A person feel fatigued due to deposit in (a) Allahabad (b) Kanpur Constituency of a acid in their muscles is (c) Lucknow (d) Varanasi (c) Anyone residing in India (a) Lactic Acid 66. The President of India can be removed (d) A resident of the Constituency (b) Ureic acid from his office by the from which the election to be (c) Citric acid (a) Parliament contested (d) Pyruvic acid (b) Chief Justice of India 73. In India, political parties are given 85. Cornea is an important part of (c) Prime Minister recognition by (a) Ear (b) Nose (d) Lok Sabha (a) Election Commission (c) Kidney (d) Eye 67. If the President returns a Bill sent to (b) Speaker of Lok Sabha 86. ‘Shantivan” is related to whom? him for his assent and the Parliament (c) President (a) Smt. Indira Ghandhi once again passes the Bill in its original (d) Law Commission (b) Rajiv Gandhi form, then the President 74. The Vice President is elected by an (c) Mahatma Gandhi (a) Can seek the opinion of the Electoral College consisting of members (d) Pt Jawahar Lal Nehru Supreme Court on the bill of 87. Which one of the following Prime (b) Gives assent to the bill (a) Both Houses of Parliament and Minister never faced the Parliament (c) Can once again return the bill for state legislative during the tenure? further reconsideration (b) Both Houses of Parliament (a) Chaudhary Charan Singh (d) Can ask for a referendum on the (c) Lok Sabha (b) V.P Singh bill (d) Rajya Sabha (c) Chandra Sekhar 68. If a Minister loses a no- confidence 75. The election Commission does not (d) Atal Behari Vajpayee motion, then conduct the elections to the 88. The office of the Deputy Prime (a) Lok Sabha is dissolved (a) Lok Sabha Minister (b) Only Prime Minister and that (b) President’s election (a) was created under the original Minister resigns. (c) Rajya Sabha Constitution (d) Local Bodies (b) is an extra – constitutional growth

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(c) was created by 44th Amendment 98. The property of a substance to absorb moisture from the air on exposure is called (d) was created by 85th Amendment (a) osmosis (b) deliquescence 89. Who excercises the actual executive (c) efflorescence (d) desiccation power under the Parliamentary form 99. In which of the following activities silicon carbide is used? of Government? (a) Making cement and glass (b) Disinfecting water of ponds (a) Parliament (c) Cutting very hard substances (d) Making casts for statues (b) Prime Minister 100. The average salinity of sea water is (c) President (a) 3% (b) 3.5% (c) 2.5% (d) 2% (d) Bureaucracy 90. Who was the first Deputy Prime Minister of India? (a) Sardar Ballabhbhai Patel  (b) Moraraji Desai (c) L.K. Advani (d) Charan Singh ANSWER KEYS 91. The Council of Ministers does NOT include 1. a 2. a 3. c 4. c 5. b 6. a 7. c 8. c 9. c (a) Cabinet Ministers 10. b 11. b 12. d 13. a 14. c 15. a 16. a 17. d 18. c (b) Cabinet Secretary 19. d 20. a 21. a 22. c 23. a 24. b 25. d 26. a 27. c (c) Ministers of State (d) Ministers without Portfolio 28. c 29. c 30. b 31. d 32. c 33. a 34. d 35. c 36. b 92. Who was the first Foreign Minister of 37. d 38. b 39. c 40. b 41. d 42. b 43. b 44. b 45. c free India? (a) Gulzari Lal Nanda 46. c 47. c 48. b 49. b 50. b 51. (b) 52. (a) 53. (c) 54. (d) (b) Jawahar Lal Nehru 55. (b) 56. (a) 57. (d) 58. (d) 59. (d) 60. (c) 61. (a) 62. (a) 63. (c) (c) Lal Bahadur Shastri 64. (b) 65. (c) 66. (a) 67. (b) 68. (c) 69. (a) 70. (b) 71. (d) 72. (b) (d) John Mathai 93. The Council of Ministers of Indian 73. (a) 74. (b) 75. (d) 76. (d) 77. (b) 78. (c) 79. (b) 80. (c) 81. (c) Union is collectively responsible to the 82. (c) 83. (a) 84. (a) 85. (d) 86. (d) 87. (a) 88. (b) 89. (b) 90. (a) (a) Lok Sabha (b) President 91. (b) 92. (b) 93. (a) 94. (b) 95. (b) 96. (c) 97. (d) 98. (b) 99. (c) (c) Rajya Sabha 100. (b) (d) Prime Minister 94. Who was the Defence Minister of India during the Indo China War of 1962?  (a) R.N. Thapar (b) V.K. Krishna Menon (c) Govind Ballabh Pant VANIK’S KNOWLEDGE GARDEN (d) Jagjivan Ram Important Nuclear Power Plant in India 95. The first Law Minister of Independent Plant Location State Capacity India was Narora Atomic Power Narora Uttar Pradesh 440 MW (a) M.C. Sitalwar Station (b) B.R. Ambedkar Rajasthan Atomic Rawatbhata Rajasthan 1180 MW (c) Kailashnath Katju Power Station (d) Rafi Ahmad Kidwai Tarapur Atomic Power Tarapur Maharashtra 1400 MW 96. The inert gas which is substituted for Station nitrogen in the air used by deep sea Kakrapar Atomic Kakrapar Gujarat 440 MW divers for breathing, is Power Station (a) Argon (b) Xenon Kudankulam Nuclear Kudankulam Tamilnadu - MW (c) Helium (d) Krypton Power Plant 97. The gases used in different types of Madras Atomic Power Kalpakkam Tamilnadu - MW welding would include Station (a) oxygen and hydrogen Kaiga Nuclear Power Kaiga Karnataka 660 MW (b) oxygen, hydrogen, acetylene and Plant nitrogen Madras Atomic Power Kalpakkam Tamil Nadu 440 MW (c) oxygen, acetylene and argon Station (d) oxygen and acetylene

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PRACTICE SET FOR UPCOMING EXAM [IBPS-PO (PRELIMINARY-1)]

ENGLISH LANGUAGE Directions(6-10) : In the following in mayhem. Instead of social science passage there are blanks each of which analysis we rather need an autopsy of a riot. Directions (1-5): Rearrange the following has been numbered. These numbers are If such an autopsy were to be conducted it six sentences (A),(B),(C),(D),(E) and (F) printed below the passage and against would become abundantly clear those riots in the proper sequence to form a each five words/ phrases are suggested are created by interested organizations that meaningful paragraph; then answer the one of which fits the blank appropriately. have the tacit or active support of the questions given below them. Find out the appropriate word in each government in power. (A) Basic human needs also include a case. A social science analysis of a riot can go off sense of belongingness, a feeling I used to look _(6)_ to the holidays. I an tangent.It might suggest that there are of control over one’s life. certain classes that are situation ally more usually _(7)_ to my uncle’s house where (B) Motivation and inspiration I _(8)_ his children. I did not get paid a predisposed towards violence. It might also energize people into action. salary for _(9)_ What I received in return make the claim that there is an inherent and (C) Ability to live up to one’s ideals however, was far more _(10)_ My uncle irreconcilable animosity between cow besides all these is also a was an avid reader. During the time I spent worshippers and beef eaters. To be anti is fundamental need. with his family I had an opportunity to read one thing, but to actually seek the hated (D) This is done not by pushing them the vast amount of books and magazines other with blunt and sharp objects or bombs in the right direction as control that he possessed. is quite another. There is a qualitative mechanisms. difference between the two. Riots do not (E) Such feeling touch us deeply and 6. (A) forward (B) towards occur because of structural imperatives or elicit powerful response. (C) backward (D) up social compulsions. Nor do they happen (F) But it is done by satisfying basic (E) around because mass sentiments just cannot take human needs for achievement. 7. (A) went (B) sent humiliations any more. Riots need, as a (C) visited (D) travelled necessary condition, organizations that plot 1. Which of the following should be the (E) gone mass killings. FIRST statement after rearrangement? 8. (A) cared (B) occupy The job of social forensic is to uncover such (a) A (b) B (C) guarded (D) taught conspiracies and to expose the accused. Only (c) C (d) D (E) played a determined and a dogged social forensic (e) E 9. (A) them (B) whom investigation can tell us about the most 2. Which of the following should be the (C) this (D) now pertinent facts of a riot. The analysis of SECOND statement after (E) which class structure, or occupational profile, or rearrangement? 10. (A) expensive even historical memory can hardly enlighten (a) A (b) B (B) deserving us as to who were the actual perpetrators of (c) C (d) D (C) helping a riot. We have no option but to rely on (e) E (D) demanding social forensics if we want to know who 3. Which of the following should be the (E) valuable paid money to whom for doing what, and FOURTH statement after which officials and representatives protected rearrangement? Directions (11-20): Read the following the rioters. Instance after instance can be (a) A (b) B passage carefully and answers the cited in this regard to demonstrate the (c) C (d) D questions given below it. Certain words relevance of social forensics. This is the all (e) E are given in bold to help you locate them important fact behind a riot and it is only 4. Which of the following should be the while answering some of the questions. forensics that can help us to grasp it. FIFTH statement after rearrangement? By talking about action and reaction we (a) A (b) B adroitly dodge the issue of political 11. What can substitute the idiom go off on (c) C (d) D responsibility. But recourse to schoolboy a tangent as used in the passage? (e) E science, including social science more often (a) Be on the periphery 5. Which of the following should be the than not, misses the main points of a riot (b) Be incomprehensive SIXTH (LAST) statement after completely. The killings and the carnage have (c) Change suddenly from one rearrangement? proved, if proof indeed was necessary, that thought to another (a) A (b) B riots do not happen because social (d) Be irrelevant (c) C (d) D sentiments overflow normal bounds and (e) None of these (e) E move otherwise reasonable people to indulge

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12. What factors comprise social forensics? meaning as word printed in bold letters 23.This candidate has none of the (a) The reaction perpetrated by the as used in context of the passage. characteristics possess by the deserving action ones. 17. Mayhem (b) Analyzing the role of (a) from the characteristics possessed (a) Disturbance organizations with vested by (b) Volatile situation interests naming administrative (b) with the characteristics possess (c) Massacre (c) To study social and political by (d) Genocide compulsions (c) of the characteristics possess with (e) Carnage (d) An analysis free from social (d) of the characteristics possessed 18. Autopsy prejudices by (a) Study of the cause (e) None of these (e) None of these (b) Case study 13. Which of the following statement/ 24. Those who are indecisive can be readily (c) Dissection statements is/are NOT TRUE in persuading to change their mind again. (d) Biopsy context of the passage? (a) can be ready persuading (e) Root cause (A) To be anti-something draws a (b) can be readily persuaded parallel with seeking revenge Directions (Q.19-20) : Which of the (c) could be ready to persuade (B) Social science cannot analyze the following is the Opposite in meaning as (d) can be readily persuasive riot word printed in bold letters as used in (e)None of these (C) Politically ulterior motives help context of the passage. 25. We should realize that the chance of graduate riots. accident may be as great or greater in (a) Only A 19. Adroitly our homes than in a train or on the road. (b) Only B (a) Tacitly (a) may be at least as great in our (c) Only A and C (b) Unskillfully homes as (d) Only B and C (c) Biased (b) was at least as great as in homes (e) All are not true (d) Misappropriately (c) can be as great or greater in our 14. What can be said of the author in context (e) Discreetly homes than of the passage? 20. Imperatives (d) may be at least as great or greater (a) He seems to be a victim of riots (a) Trifles in our homes than (b) He has a bias against government (b) Squabbles (e) None of these (c) He is a protagonist of the use of (c) Moods Directions (Q.26-30): Read each science and social sciences. (d) Servility sentence to find out if there is any error (d) He is a forensic expert (e) Commands in it. The error, if any, will be in one part (e) None of these Directions(Q.21-25)Pick out the one of the sentence. The number of that part 15. Which of the following has not been which can substitute bold group of words is the answer. If there is no error the mentioned in the passage? correctly, without changing the meaning answer is 5). (Ignore errors in (a) Sentiments of the masses of the sentence punctuation, if any) (b) Class sentiments (c) Differences that can be harmonized 21.Though his actions were severe criticized, 26. They are scheduled (a)/ a meeting today (d) Pertinence of social forensics he didn’t lose his temper. to (b)/ accept the resignation (c) / of (e) Only 3 & 4 (a) were severe criticism the Director.(d)/ No error(e) 16. Why do we need to analyze a riot? (b) were being of severe criticism 27. The launch of (a) / the new products (a) So the finger should point in the (c) had severe criticisem was (b) / delayed which resulted (c) / right direction at the right party. (d) were severely criticised in heavily losses(d)/ No error(e) (b) To bring the governments to the (e)None of these 28. The Chairman has promised (a) / to book. 22.It was he, not me, who decided to sanction (b) / the necessary funds to (c) To purge our minds of mindsets postpone the program (c)/ modernize the factory(d) / No (d) To break the nexus between the (a) he, not I error(e) administration and politics (b) him, not me 29. The company has decided (a) / to invest (e) All of these (c) he, not mine in (b) / one crore rupees(c)/ in new (d) him, not I technology.(d) / No error(e) Directions (Q.17-18) : Which of these (e)None of these following is most nearly the SAME in

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30. The success of the (a) / merger of the F and G are sitting opposite to each other. C Directions (Q.41-45). In each question two(b) / banks is dependence (c) / on is sitting diagonally opposite to the person given below Four statements are various factors.(d) / No error(e) from Bhatinda. B is sitting opposite to the followed by Three conclusions numbered person who is from Delhi. The person from I,II & III. You have to take the four given REASONGINGABILITY Mumbai is sitting second to the right of the statements to be true even if they seem person from Chennai and second to the left to be at variance from the commonly Directions (Q.31-35) : In the following of A, who is not sitting near to the person known facts. Read the conclusions and questions, the symbols #, *, @, $ and = who is from Bhatinda. G is sitting on the decide which logically follows from the are used with the following meaning as smaller side and to the right of the person four given statements disregarding illustrated below: who is from Bhatinda. Persons from commonly known facts : A # B means A is neither greater than Chennai and Mumbai are not on the same 41. Statements:- nor equal to B. side of the table. Person from Mumbai is Some guava are fruits. A * B means A is not greater than B. sitting third to the right of the person from Some guava are green. A @ B means A is equal to B. Amritsar, who is not sitting diagonally Some green are ball. A $ B means A is neither less than nor opposite to the person from Pune. All grass are guava. equal to B. 36. Who is sitting third to the right of the Conclusions:- A = B means A is not less than B. person from Lucknow. (I) Some fruits are grass Now in each of the following questions (a) E (II) All grass are green assuming the given statements to be (b) Person from Chennai (III) Some ball being fruits is a true, find which of the two conclusions (c) A possibility I and II given below them is/are (d) Person from Bhatinda (a) Only (I) follows definitely true and give your answer (e) None of these (b) Only (III) follows accordingly. 37. Who is definitely sitting diagonally (c) Only (II) follows (A) If only conclusion I is true. opposite to D? (d) Only (I) and (II) follow (B) If only conclusion II is true. (a) A (e) None of these (C) If either conclusion I or II is true. (b) C 42. Statements:- (D) If neither conclusion I nor II is true. (c) Person from Delhi All books are Novel. (E) If both conclusions I and II are true. (d) Person from Kochi All Chetan Bhagat are writer. 31. Statements: P @ Q, Q $ R, R = S, S*T (e) Can’t be determined Some Chetan Bhagat are Novel. Conclusions: I. Q # T II. Q @ T 38. According to the sitting arrangement All paper are Novel. 32. Statements: A @ B $ C * T $ O = W @ what will come in place of question Conclusions:- Y mark? D : Mumbai :: C : ? (I) Some writer are novel. Conclusions: I. C @ Y II. C @ A (a) Lucknow (II) Some paper are novel. 33. Statements: Y$X, X $ Q, Q = P, P#J (b) Chennai (III) All paper are novel. Conclusions: I. X = P II. Q # J (c) Kochi (a) All follow 34. Statements: W@Y, Y #P = Q, Q*X (d) Amritsar (b) Only (I) follows Conclusions: I. W = Q II. W # Q (e) None of these (c) Only (II) follows 35. Statements: Y # Q, Y@P, P$Q, Q$R 39. From which city does A belong? (d) Only (III) follows Conclusions I. Y$R II. R$Y (a) Pune (e) None of these Directions (Q.36-40): Study the following (b) Delhi Directions (Q.43-44) : Statements:- information and answer the questions (c) Chennai Some pen are blue. given below. (d) Amritsar No black are hair. In a conference 8 people A, B, C, D, E, F, G (d) Can’t be determined No blue is ink. All pen are black. and H from different cities Delhi, Pune, 40. Which of the following combinations is 43. Conclusions:- Kochi, Mumbai, Chennai, Lucknow, definitely correct? (I) Some black are blue. Bhatinda and Amritsar not necessarily in (a) H– Amritsar (II) Some black are ink. same order are sitting around a rectangular (b) D– Chennai (III) Some hair are pen. table. 3 persons are sitting on the each longer (c) A–Pune (a) Only (I) follows side and 2 on the smaller side. (d) G–Mumbai (b) Only (II) follows D is sitting second to the right of the person (e) None of these (c) Only (III) follows who is from Amritsar. E is sitting third to (d) None follows the left of the person who is from Lucknow. (e) None of these

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44. Conclusions:- 48. Who is staying on the second floor? (d) Abhishek and Rahul (I) Some black being hair is a (a) Q (b) M (e) Rohit and Abhijeet possibility. (c) P (d) A 53. Which of the following pair is true? (II) No hair is ink. (e) Q or M (a) Romil – Bhopal (III) Some hair are ink. 49. If all persons are arranged in alphabetical (b) Anil – Bengaluru (a) Only (I) and either (II) or (III) order such as A occupies floor 1 then (c) Rohit – Delhi follow who will occupy floor 5? (d) Abhijeet – Delhi (b) Only (I) follows (a) G (b) Q (e) Abhishek – Patna (c) Either (II) or (III) follows (c) R (d) M 54. Position of Ramesh with respect to (d) None follows (e) P Rahul? (e) None of these 50. Immediate neighbors of the person who (a) Third to the right 45. Statements:- is staying in floor 3? (b) Fourth to the left Some tea are coffee. (a) R and P (b) A and P (c) Fifth to the right No tata gold is Assam. (c) G and M (d) P and M (d) Second to the right All cup are tea. (e) D and G (e) Third to the left All coffee are Assam. 55. If Rohit and Anil interchange their Directions (Q.51-55) : Study the Conclusions:- positions and similarly Abhijit and information carefully and answer the (I) Some tata gold being tea is a Rakesh interchange their positions then following questions: possibility. what is the position of Romil with (II) Some tea are not tata gold Eight friends – Romil, Ramesh, Rakesh, respect to Rakesh? (III) Some coffee are tea. Rohit, Rahul, Abhijit, Abhishek and Anil – (a) Third to the left are sitting around a circular table, not (a) All follow (b) Third to the right necessarily in the same order. Four of them (b) Only (I) and (II) follow (c) Second to the left are facing inside others are facing outside. (c) Only (I) and (III) follow (d) Immediate left (d) Only (II) follows They are belong to eight different cities – (e) None of these Bhopal, Patna, Kolkata, Delhi, Gwalior, (e) None of these Bengaluru, Chennai and Rajkot, but not Directions (Q.56-59) : Study the Directions (Q.46- 50): Study the necessarily in the same order. following information to answer the information carefully and answer the Abhijit faces the Centre and sits third to the given question : following questions: right of Rakesh. Rohit belongs to Kolkata In a certain code, ‘ze lo ka gi’ is a code for A building has eight floors from 1 to 8 in and faces the person who belongs to ‘must save some money’, fe ka so ni’ is a such a way that ground floor is numbered 1, Bengaluru. Abhishesk sits third to the right code for ‘he made good money’, ‘ni lo da so’ the above floor is numbered 2 and so on. of Ramesh, who stays in Bhopal. The is a code for ‘he must be good’ and ‘we so ze The top most floor is numbered 8. Eight persons who belong to Delhi and Gwalior da’ is a code for ‘be good save grace’. persons G, P, M, R, Q, A, D and C are staying are facing to the same direction (inside or 56. Which of the following is the code of each on one of these floors. A is staying on outside). Rahul is sitting between the person floor 6. There is a gap of three persons who belongs to Kolkata and the one from ‘must’ ? (a) so between G and R. C is staying on the Rajkot respectively. Romil belongs to (b) da topmost floor. Neither P nor M is staying Gwalior and Rakesh belongs to Patna. The (c) lo on the floor 5. Q is staying middle of P and person who belongs to Chennai is facing (d) ni M. R is staying on the floor 1. M is not an outward and immediate neighbor of Rajkot. (e) Cannot be determined immediate neighbor of G. Anil is immediate neighbor of the persons who belong to Gwalior and Chennai. Rahul 57. What does the code ‘ze’ stand for ? 46. Who is staying on the floor no. 7? (a) some (b) must is immediate left of Rohit. (a) A (b) P (c) be (d) grace (c) D (d) R 51. Who belongs to Bengaluru? (e) save (e) M (a) Romil (b) Rohit 58. Which of the following is the code of 47. How many persons are staying between (c) Anil (d) Abhishek ‘good’ ? D and P? (e) Rahul (a) so (b) we (a) Three (b) Four 52. Immediate neighbors of Romil? (c) ze (d) lo (c) Two (d) One (a) Romesh and Rakesh (e) fe (e) None of these (b) Rahul and Rohit 59. ‘grace be money’, may be coded as ____ (c) Anil and Ramesh (a) ka da fe

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(b) we ka so 180p in the clockwise direction. Which 76. The average age of 40 boys in a class is (c) ja da we direction is he facing now? 15. The average age of a group of 18 (d) ka we da (a) North-east boys in the class is 16 and the average (e) ja ka ze (b) North-west age of another12 boys in the class is (c) South-east 14. What is the average age of the Directions (Q.60-64): Read the following (d) South remaining boys in the class? information carefully and answer the (e) None of these (A) 15•25 years questions given below. (B) 14.4 years A+B means A is the father of B QUANTITATIVEAPTITUDE (C) 14•75 years A*B means A is the sister of B (D) None of these A$B means A is the wife of B Directions (Q.66-70) : Find the missing (E) cannot be determined A%B means A is the mother of B number in the given series. 77. Ruby invested an amount of Rs. 5,800 A/B means A is the son of B 66. 2, 7, 10, 22, 18, 37, 26,? for 2 years. At what rate of compound 60. Which of the following expression is A. 42 B. 52 interest will she get an amount of Rs. true if Y is the son of X is definitely C. 46 D. 62 6394•5 at the end of two years ? false? E.None of these (A) 5 p.c.p.a. (a) W%L*T*Y/X 67. 279936, 46656, 7776, 1296, 216, ? (B) 4 p.c.p.a. (b) W+L*T*Y/X A. 60 B. 46 (C) 6 p.c.p.a. (c) X+L*T*Y/W C. 36 D. 66 (D) 8 p.c.p.a. (d) W$X+L+Y+T E.None of these (E) None of these (e) W%X+T*Y/L 68. 12, 38, 116, 350, 1052, ? 78. A boat covers a distance of 30 km 61. If expression ‘I+T%J*L/K’ is definitely A. 1800 B. 2200 downstream in 2 hours while it takes 6 true, then which of the following C. 2800 D. 3158 hours to cover the same distance option is true? E.None of these upstream. How much time the boat will (a) L is the daughter of T 69. 46080, 3840, 384, 48, 8, 2, ? take to cover 90 km in still water? (b) K is the son-in-law of I A. 1 B. 1/64 (A) 6 hrs (c) I is the grandmother of L C. 1/8 D.2 (B) 9 hrs (d) T is the father of J E. None of these (C) 15 hrs (e) J is the brother of L 70. 5,28,57,88,125 (D) None of these 62. Which of the given expressions indicate A.156 B.147 (E) Data inadequate that M is the daughter of D? C.166 D.186 79. A lent Rs 5000 to B for 2 years and Rs (a) L%R$D+T*M E. None of these 3000 to C for 4 years on s of interest (b) L+R$D+M*T 71. 67.39 - 11.78 + 19.63 = ? + 22.41 and received Rs 2200 in all from both (c) L%R%D+T/M (A) 52.73 (B) 52.83 of them as interest. The rate of interest (d) D+L$R+M*T (C) 65.78 (D) 64.78 is (e) L$D/R%M/T (E) None of these (A) 5% (B) 7% 63. What should come in place of the 72. 44% of 125 + 75% of 840 = ? (C) 8% (D) 9% uestion mark, to establish that T is the (A) 600 (B) 666 (E) None of these sister-in-law of Qin the expression (C) 685 (D) 765 80. Train A and B travel to a place at a speed R%T*P ? Q+V (E) None of these of 35 and 55 km/h respectively. If car (a) / (b) % 73. 1.2 * 0.9 ÷ 0.25 * 24 = ? B takes hours less time than A for the (c) * (d) $ (A) 204.92 (B) 125.92 journey, the distance of the place is_ (e) Either $ or * (C) 118.46 (D) 103.68 (A) 300.25 km 64. What should come in place of the (E) None of these (B) 400 km question mark, to establish that J is 74. 22% of 250 + 35% of 460 = ? (C) 350.565 km the brother of T in the expression J/ (A) 216 (B) 226 (D) 336.875 km P%H ? T%L (C) 232 (D) 242 (E) None of these (a) * (b) / (E) None of these 81. Two numbers are such that if the first is (c) $ (d) Either / or * 75. 0.6 * 1.8 ÷ 0.5 * 12 = ? subtracted from six times the second, (e) Either + or / (A) 24.92 (B) 25.92 their difference becomes 71, and if the 65. A man is facing south. He turns 135p in (C) 18.46 (D) 17.46 second be added to 7 times the first , the anti clockwise direction and then (E) None of these

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their sum becomes 62. The two numbers are 87. What is the ratio between number of people who like Horror (A) 19, 7 (B) 13, 7 movies and total number of people surveyed? (C) 7, 13 (D)17, 3 (a) 5 : 9 (b) 1 : 3 (E) None of these (c) 4 : 9 (d) 2 : 9 82. How much will be the compound interest to be paid on a (e) None of these principal amount of Rs 85,000/- after 3 years at the rate of 6 88. What is the difference between number of people who like p.c.p.a? Fiction movies and number of people like only Fiction movies? (A) Rs 16623.36/- (B) Rs 16236.36/- (a) 0 (b) 45 (C) Rs 16326.36/- (D) Rs 16632.36/- (c) 55 (d) 5 (E) None of these (e) None of these 83. Yesterday Mansi typed an essay of 5000 words at the speed of 89. What is the number of people who like all three type of movies? 60 words per minute. Today she typed the same essay faster (a) 70 (b) 25 and her speed was 15% more than yesterday. What is the (c) 15 (d) 20 approximate difference in the time she took to type yesterday (e) None of these and the time she took to type today? 90. What is the number of people who like exactly two types of (A) 20 minutes (B) 30 minutes movies? (C) 10 minutes (D) 40 minutes (a) 60 (b) 70 (E) 1 hour (c) 155 (d) 75 84. To Finish a work, B will take three times as long as A and C (e) None of these together and C will take twice as long as A and B together. If the three persons A, B and C together can finish the work in Directions (Q.91-95) - Based on the following figure and data, 20 days , then how long will A take to finish the work alone? answer the questions. Take approximations wherever (A) 30 days (B) 45 days necessary. (C) 48 days (D) 60 days (E) None of these 85. A square park is surrounded from outside by a path of 5 meters width. If the area of the path is 1700sq meters, then what is the area of the park? (A) 3600sq m (B) 4900sq m (C) 5625sq m (D) 6400sq m (E) None of these

Directions (Q.86-90) : Study the following information carefully and answer the given questions. Total 225 people are asked about what type of movies they like. 30 people said they liked only Action movies, 50 said they liked only Fictions and 1/3rd of total number of people liked only Horror movies. People who like Fiction and Horror movies but not Action movies are 1/3rd the number of people who like only Horror. People who like Action and Fiction movies but not Horror movies Total votes polled – are 1/4th of the sum of people who like only Action movies and (i) in parliamentary – 84,75,400 people who like only Fiction movies. Number of people who like (ii) in assembly election – 82,36,250 Action and Horror movies but not like Fiction moviesare 1/15th of 91. What is the difference between the shift of the votes from BJP total number of people. Every person like at least one type of to AAP from Assembly election 2013 to the parliamentary movie. election 2014? (a) 779522 (b) 779632 86. How many people like Action movies? (c) 784632 (d) 779631 (a) 30 (b) 75 (e) 779742 (c) 65 (d) 40 92. Vote share movements of congress to BJP in both the elections (e) None of these in what % of Congress to AAP in both the elections? Option

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(a) 58.25% (b) 60% 22. (d) Explanation: When a pronoun 46. c 47. c 48. b 49. d (c) 62% (d) 65% follows a verb of incomplete 50. d (e) 55% predication (here was), it is in the (51-55) : 93. How many new votes voted for BJP in nominative case. the 2014 parliamentary elections? 23. (d) Explanation: Possess should take its (a) 415290 (b) 411295 past participle form. (c) 415795 (d) 415295 24. (b) Explanation: ”The indecisive” are (e) 415280 the object of persuasion. Hence use the 94. Percentage of votes secured by AAP in passive form. 2014 parliamentary elections in what 25. (a)Explanation: Than does not go alone % of the votes secured by BJP in 2013 with as great. So we need a structure assembly elections as per study. where both as great as and greater than (a) 85% (b) 90% are present. But none of the choices (c) 95% (d) 80% contain such a structure. (e) 97% Mathematically, we are looking for e” 51. c 52. c 53. b 54. e 55. a 95. What is the total change in 14 situation. The is conveyed by (1) (56-58): parliamentary elections? 26. a 27. d 28. e 29. b (a) 54555 (b) 54540 30. c 31. d 32. d 33. d (c) 44545 (d) 52545 34. c 35. a word Code (e) 54545 (36-40) money ka Directions (Q.96-100) : Give answer must lo (a) If x>y save ze (b) If x>=y some gi (c) If x

96. (a) 3X^2+8X+4 = 0 be da (b) 4Y^2-19Y+12= 0. grace we 97. (a) X^2 + X-20= 0 City of A, C & E is not confirm (b) Y^2-Y-30= 0. B or H is either form Amritsar or 98. (a) X^2- 365 = 364 Chennai 56. c 57. e 58. a 59. d (b) y- (324) ^(1/2) = (81)^(1/2). 36. d 37. b 38. a 39. e 60. d 61. b 62.b 63.d 99. (a) 225X^2-4 = 0 40. d 41. b 42. a 43. a 64.a 65.d (b) (225y)^(1/2) +2 = 0 44. c 45. a (66-70) : 100. (a) x^2 = 729 (46-50) : 66. b (b) Y= (729)^(1/2) There are two series here 2, 10, 18, 26, ... (Increase by 8)  Floor No. Persons 7, 22, 37, ... (Increase by 15) 8 C Hence, next term is 37+15 = 52 67. c EXPLANATION 7 D Go on dividing by 6 to the next number 6 A 68. d 1. b 2. d 3. a 4. e 5 G 12 5. c 6. a 7. a 8. d 4 P 12 × 3 + 2 = 38 38 × 3 + 2 = 116 9. c 10. e 11. c 12. d 3 Q 13. b 14. c 15. a 16. c 116 × 3 + 2 = 350 17. a 18. a 19. b 20. d 2 M 350 × 3 + 2 = 1052 21. (d) Explanation: Since severe here 1 R 1052 × 3 + 2 = 3158 modifies the verb criticised, adverbial 69. a form severely should be used 46080 /12 = 3840

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3840 /10 = 384 83. c x = 10 384 /8 = 48 Difference of time = 5000/60 “ 5000/ 86. b 48 /6 = 8 (60 * 1.15) 87. a 8/4 = 2 = 5000/60 “ 5000/69 Ratio = 125/225 = 5 : 9 2 /2 = 1 = 83.33 – 72.46 88. c 70. c = 10 min (Approx.) 89. e 28=23+5 84. c Answer-10 57=29+28 3*B’s daily work= (A+C)’s daily 90. a 88=31+57 work 91. b 125=37+88 4*B’s daily work = (A+B+C)’s Assembly election =3.5 % of 166=41+125 daily work = 1/20 8236250 = 2,88,268 71. b 72. c 73. d 74. a B’s daily work = 1/80 Parliamentary election = 12.6% of 75. b 2*C’s daily work = (A+B)’s daily 8475400 = 10,67,900 76. b work Difference = 779632 Total students are 40 × 15 = 600 3*C’s daily work = (A+B+C)’s 92. a So, 18 x 16 + (12 + 14) = 456 daily work = 1/20 (1.4% of 8475400+2.4% of Left student is 10 and their average C’s daily work= 1/60 8436250)/(3.2% of 8475400+3.3% is =600-456= 144÷ 10=14.4 A’s daily work= 1/20 - (1/80 + 1/60) of 8236250) 77. a = 1/48 58.25%316325.6/543009×100 The interest in 2 years is 594.5 A can finish the work in 48 days. 93. d which is 10.25% of 5800. Hence the 85. d (1.4%+2.1%+0.1%+1.3%) of rate of interest is 5% p.a. Let the side of park be=’x’ 84,75,400 78. b Area of path= 2{(x + 10)5 + 5x} = 4.9% of 84,75,400 Upstream speed = 5 km/hr = 415295 (approx) Downstream speed = 15 km/hr 94. b Speed of boat in still water = (5 + (40.7% of 8475400)/(46.7% of 15)/2 = 10 km/hr 82,36,250)×100 Required time = 90/10 = 9 hrs = 3449487.8/3846328.75×100 79. e = 90% (approx Let the rate of interest is=x 95. e (X * 5000 * 2)/100 + (3000 * 4 * x)/ 1.3% of 84,75,400 – 2% of 82,36,250 100 = 2200 = 110180.20/100=16472500/100 x = 10% 1700=2(10x+50) = 164725 – 110180 80. d x = (850 - 50)/10 = 80m = 54545 (approx) Let Car A takes t hrs to reach the Area =(80)^2=6400 sq.m 96. c place (86-90) : 97. e Distance is same, No relationship can be established 35 t = 55(t – 7/2) between x and y T = 77/8 98. d Distance = 35 * 77/8 = 336.87 km 99. e 81. c No relationship can be established Let the number be X and Y 100. d Then 6y – x = 71 and 7x + y = 62 Solving the equation X = 7, y = 13 82. b Information given in the question we  C.I. = 85000 × (19.1016/100) assume people like all 3 types movies = Rs 16236.36 Approx. is x. 30 + 20 + 50 + 15 + x + 25 + 75 = 225 x + 215 = 225

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PRACTICE SET FOR UPCOMING EXAM [IBPS-PO (PRELIMINARY-2)] blank spaces. Below each sentence ENGLISH LANGUAGE The Reserve Bank of India, the nation’s there are five pairs of words denoted central bank 11 operations 12 April 01, Directions (1-5): Rearrange the by numbers (a), (b), (c), (d) and (e). 1935. It was 13 with the objective of following six sentences (A), (B), (C), Find out which pair of words can be ensuring monetary stability and operating (D), (E) and (F) in the proper sequence filled up in the blanks in the sentence the currency and credit system of the to form a meaningful paragraph; then in the same sequence to make the country to its 14. Its functions comprise answer the questions given below sentence grammatically correct and monetary management, foreign exchange them- meaningfully complete. and reserves management, government (A) He then hid nearby to watch and see debt management, financial regulation and 6. To avoid………, there is a need for who would remove it. su p ervisio n 15 from currency (B) He saw a purse full of gold lying in ………. planning of the project. management and acting as banker to the (a) Cancellation, broad the middle of the road. It was the king’s banks and to the Government. (b) problem, deliberate reward to the person who did something (c) pitfalls, systematic about the problem. 11. (a) Started (b) Incepted (d) inconvenience, convenient (C)The king was tired of his subjects only (c) Began (d) Launched (e) losses, temporary complaining but doing nothing to solve (e) Initiated 7. A good management will decide not their problems. 12. (a) In (b) On (D) A youth on his way to market saw only the ……… for equipment but (c) At (d) From the stone, put down his produce and also its ………for deciding priorities. (e) Since (a) need, urgency rolled the stone to the side of the road. 13. (a) Started (b) Initiated (b) usefulness, utility (E) Many people passed by but dodged (c) Launched (d) Constructed (c) cost, value their duty of moving the stone instead (e) Envisaged (d) requirement, necessities blaming the king for not keeping the 14. (a) Benefit (e) technology, methodology highways clear. (b) Advantage (F) One day he placed a heavy stone in 8. ………appears to be a small error in (c) Completion the beginning may turn out to be a the middle of the road. (d) Culmination ……… in the long run. (e) Yield 1. Which of the following is the (a) It, disaster 15. (a) Apart (b) Part SECOND sentence after (b) What, blunder (c) Range (d) Vary rearrangement? (c) That, debacle (e) Tilt (a) B (b) C (d) It, slip (c) D (d) E (e) what, incident Directions (16-20): Read each (e) F 9. Being very……… in nature, he sentence to find out whether there is 2. Which of the following is the SIXTH always uses his ………skills. any grammatical error in it, The error (LAST) sentence after (a) adamant, soft if any, will be in one part of the rearrangement? (b) polite, basic sentence. The number of that part is (a) A (b) B (c) humble, experimental the answer. If there is no error, mark (c) C (d) D (d) pushy, persuasive e). (Ignore errors of punctuation, if (e) E (e) mild, aggressive any.) 3. Which of the following is the FIRST 10. Demand and supply do not…….. 16. Villagers want to build(a) /a bridge the same relationship as the one that sentence after rearrangement? crossed the river(b) /to connect their (a) A (b) B ……….between height and weight. village(c) /to the highway.(d) / No (a) possess, has (c) C (d) D error(e) (b) incur, is (e) F 17. He has invited one(a) /of his biggest (c) defend, volunteers 4. Which of the following is the THIRD business rivals(b) /to his office(c) / (d) bear, borne sentence after rearrangement? to discuss the merger.(d) /No error(e) (e) have, exists (a) A (b) B 18. To avoid any interruption (a) /during (c) C (d) D Directions (11-15): in the following the presentation (b) /he checked all (e) E passage there are blanks each of which the system(c) /the previous day.(d) 5. Which of the following is the FIFTH has been numbered these numbers /No error(e) sentence after rearrangement? are printed below the passage and 19. It is the government(a) /responsibility (a) B (b) C against each five words have been to provide(b) /athletes with the (c) D (d) E suggested, one of which fits the blanks necessary facilities (c) /for their (e) F appropriately. Find out the training.(d) /No error(e) Directions (6-10): In each of the appropriate word in each case. following sentences there are two

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20. The management is(a) /not willing to(b) That moment, Dipti noticed Atul calling out e. All of the above /make no concession(c) /to the to her for help through her window. He was 23. Which of the following factors remain employee’s demands.(d) /No error(e) still learning to ride his cycle but this time, (s) responsible for making someone Dipti did not respond. Poor Atul fell once perfect? Direction (21-30) : Read the following again. Dipti spent the next few days a. Transformation passage carefully and answer the desperately trying to find the answers to b. Learning questions given below it certain words the tricky problems, while Atul was learning c. Fear are given in bold to help you locate them to ride his cycle on his own. Dipti noticed d. Practice while answering some of the questions. Atul had almost learnt to ride his cycle. Of e. Only b and d “See how smooth that was,” said Dipti, as course, he had hurt himself more than once 24. Why was Dipti helping her brother learn she helped her younger brother Atul cycle in the process. to ride a bicycle? down the road. Atul had been trying to learn A couple of days later, uncle Ravi decided a. That way, she wanted to learn to ride a bicycle the last few days and his to intervene. He walked into the room and how to ride a bicycle. older sister had offered to help. confronted Dipti about her anxiety but she b. She wanted her brother to take “Hi Dipti,” said uncle Ravi, adding, “Why was unable to open up to him. Just then part in cycling competition. are you helping him? Let him do it on his they both noticed that Atul was about to c. She felt if she would be with him own.” Dipti was quick to come to her fall again. Dipti wanted to go and help but he would have no fear of falling brother’s defence, “He tried once but fell Ravi uncle stopped her. “No dear, let him down. off the cycle and hurt himself. If I help him, do it on his own. He is on the verge of d. She wanted her brother to learn then there is no fear of falling down.” becoming good at cycling.” Soon, Dipti was something new, in his life. Dipti was hard-working and good at her startled to see that Atul balanced himself e. Dipti was not helpful to her studies. She had only one problem. She was perfectly and was off cycling. brother. afraid of making mistakes and confronting It suddenly dawned on Dipti that all these 25. What happened when uncle Ravi defeat and this discouraged her from taking days, Ravi uncle had intended to make her confronted Diptiabout her anxiety? on something new. Ravi uncle, her father’s realise that making a mistake was an a. She fell asleep soon after telling cousin, and a Professor of Mathematics was inevitable part of learning. Practice and him her problem. clever. He saw Dipti preparing for her maths learning gradually lead to perfection. Ravi b. She blamed her brother, for her exam that evening. uncle said, “Dipti, you practised the anxiety. “So, you are ready for the exam?” he said. problems that were solved in the class. But c. She straightaway refused to share “Of course I am, uncle. I have practised all when you had to try something new, you her problems with him. the problems. So there are almost no chances couldn’t face it because you were afraid of d. She could not reveal the reason of of me making a mistake,” replied a confident making mistakes,” he said, adding, her anxiety. Dipti. Ravi uncle noticed that Dipti had “Remember, the more mistakes you make, e. Not mentioned in the passage confidence but lacked the courage to learn the more you learn.” 26. Why, according to Ravi uncle, Dipti from mistakes. The attitude wasn’t healthy, could not do well in the surprise test.? he realised. 21. Why did Ravi uncle stop Dipti when a. She had not studied well, A couple of days later, the results were she wanted to prevent Atul from throughout the year. announced. Dipti was thrilled that she had falling? b. She was dependent on cheating for scored 98 per cent in Maths. When she a. He wanted Atul to manage scoring well in the test. proudly announced the result to her family, balancing, on his own. c. She had the fear because of which Ravi uncle immediately started off with his b. In that attempt, she could have she lost control over her mind. plan. He had all the children living in the hurt herself. d. She had to try something new and neighbourhood gather around. He announced c. Ravi uncle was envious of Atul. she had the fear of making a surprise test for everyone, including Dipti, d. Ravi uncle wanted Dipti to do mistakes. who was confident that she would excel in other important things. e. Not mentioned in the passage the test. e. Not mentioned in the passage As soon as the test began, Dipti began 22. Which of the following is/are TRUE, as Directions (27-28) : Choose the word solving the problems. Soon, she realised that mentioned in the passage? which is most nearly the SAME in many of the questions were tricky. She A. The surprise test was announced meaning as the word printed in bold as instantly panicked and failed to solve even for everyone. used in the passage the easy ones. B. Ravi uncle was a Professor of When Ravi uncle announced the result, chemistry. 27.Tricky everyone was stunned that Dipti had ended C. Dipti had scored 98 percent in a. Popular up scoring very low marks. Dipti was science, in the exam. b. Researched embarrassed and left abruptly. Much later, D. Atulwas calling out to Diptifor c. Old Ravi uncle saw Dipti referring to her older help through her door. d. Difficult sister’s books for solutions. It was evident a. Only A b. Only C e. Heinous that she was not used to taking defeat in her c. Only A and C 28.Inevitable stride. d. Only B and D a. Problematic

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b. Essential (a) English - Wednesday - 75 mins (c) third to the left c. Quantitative (b) Maths - Thursday - 50 mins (d) Second to the right d. Suspended (c) History - Thursday – 60 mins (e) fourth to the right e. Inspiring (d) Hindi - Tuesday - 100 mins 38. Four of the following five are alike (e) None is correct in a certain way. Which one does Directions (29-30) : Choose the word 33. What is the time duration of science not belong to that group? which is most nearly the OPPOSITE exam? (a) X (b) R in meaning as the word printed in bold (a) 90 mins (b) 75 mins (c) W (d) Z as used in the passage (c) 50 mins (d) 40 mins (e) Y 29. Abruptly (e) None of these 39. What is position of P with respect a. Openly 34. On which day is Economics exam to his mother-in-law? b. Chiefly scheduled? (a) Immediate right c. Gradually (a) Monday (b) third to the right d. Carefully (b) Saturday (c) third to the left e. Mournfully (c) Tuesday (d) second to the right 30. Startled (d) Friday (e) None of these a. Disappointed (e) Cannot be determined 40. How many people sits between Y b. Confused 35. Which day is sunday? and her uncle? rd c. Hasty (a) 3 march (a)One (b) Two nd d. Reliant (b) 2 march (c) Three (d) Four th e. Studious (c) 5 march (e) Five (d) 6th march 41. Who amongst the following is S’s REASONINGABILITY (e) Cannot be determined daughter? (a) Q (b) R Directions (31-35): Read the following Directions (36-42): Each of these (c) W (d) Y information carefully and answer the questions are based on the (e) Z questions given below it— information given below: 42. Who sits to the immediate left of R? Six exams Maths, science, History, P, Q, R, S, W, X, Y, Z are sitting around a (a) X’s grandmother Economics, English and Hindi are to be circle facing centre but not necessarily in (b) Y’s son scheduled starting from 2nd March and the same order. The husband of Z is sitting (c) S’s mother-in-law ending on 8th march wit Sunday being an second to the right of Q who is sitting (d) P off day, not necessarily in the same order. between two males. X sits second to the (e) Y Each of the exam has different time left of the daughter of S. X is the sister of duration: 40 mins, 50 mins, 60 mins, 75 Y. X is not an immediate neighbour of Z’s Directions (43-47): Study the mins, 90 mins and 100 mins, again not husband. Only one person sits between following information and answer the necessarily in the same order. P and X. P is the father of Y. S who is questions given below: 8th march is not sunday and an exam of brother of Z sits to the immediate left of Shukla, Mishra, Singh, Kulkarni, Rao, 40 mins is scheduled on that day. Maths his mother. Only one person sits between Joshi and Nair are to conduct interviews exam is for less than 60 mins and is Z’s mother and W. Only one person sits simultaneously either alone or in pairs at scheduled immediately before English between Z and Y. Y is mother of R. Y is four different locations—Surat, exam. There are two exams scheduled not an immediate neighbour of W. Chandigarh, Delhi and Lucknow. Only one wants to travel by rail, two prefer between Hindi exam which is for 100 mins 36. Which of following is true with and History exam which is for 60 mins. travelling by car and the rest travel by air. respect to the given seating  Shukla is going to Lucknow but English exam is before Sunday and there arrangement? are two days between sunday and maths neither by car nor by air. (a) R is the cousin of W  Mishra prefers to travel by car. exam. Economics exam which is for 75 (b) Z and Z’s husband are mins is not scheduled on 2nd march. The  Neither Joshi nor Nair is going immediate neighbour of each to Delhi. exam schedules on saturday is of 100 other. mins.  Only those going to Surat travel (c) No female is an immediate by road. 31. How many exams are scheduled neighbour of R.  Kulkarni will assist his friend before sunday? (d) Z sits third to the left of her Mishra. (a) Two (b) One daughter.  The two managers who go to (c) Five (d) Three (e) Q is the mother of Z. Delhi travel by air. (e) None of these 37. What is the position of P with respect 32. Which of the following combinations to his grandchild? 43. Where will Kulkarni conduct the of exam - Day - Time Duration is (a) immediate right interviews? correct ? (b) third to the right (a) Surat (b) Lucknow

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(c) Chandigarh a)  , > b)  , < (d) Cannot be determined 51. What does ‘ku’ stands for ? a) fragrance c) >, d) , > (e) None of these   b) everybody 44. Who goes to Delhi? e) =,  c) good (a) Mishra-Kulkarni d) flower (b) Rao-Singh Directions (58-63): In each of the e) None of these (c) Kulkarni-Joshi following questions two statements 52. Which of the following is the code for (d) Data inadequate are given and these statements are (e) None of these ‘everybody likes flower of roses’ ? followed by two conclusions numbered a) ro yi pa va la 45. Which of the following is true? (1) and (2). You have to take the given b) yi ku ra nu la (a) Kulkarni travels by air two statements to be true even if they c) la ku yi da pa (b) Nair will assist Rao seem to be at variance from commonly d) yi va pa ru ku (c) Shukla conducts interviews alone known facts. Read the conclusions and e) None of these (d) Joshi goes to Chandigarh then decide which of the given 53. In which of the following expression (e) None of these conclusions logically follows from the 46. Who will conduct interviews at ‘X  D’ would hold definitely true? two given statements, disregarding commonly known facts. Give answer: Chandigarh? a) D  B = M  P  X = O (a) Nair (a) If only (1) follows b) O D > M = J A < K (b) Singh   (b) If only (2) follows (c) Rao c) O > D  M = I  X < K (c) If either (1) or (2) follows (d) If neither (1) nor (2) follows (d) Data inadequate d) I < X = M O < D > P  (e) If both (1) and (2) follow (e) None of these e) None of these 47. In which of the following pair, both 54. Which of the following symbols Directions (58-59) : Statements: of the managers have same mode of should be placed in the blank spaces All nut are shell. travel? respectively (in the same order from No shell is bonus. (a) Shukla-Mishra left to r e given expression in such a All bonus are dent. (b) Rao-Mishra manner that makes to e definitely (c) Nair-Rao false ? 58. Conclusions: (d) Kulkarni-Joshi Z _ K _ C _ M _ I 1. All nut being dent is a possibility. (e) Shukla-Singh 2. No nut is bonus. a) =, , = ,   59. Conclusions: Direction(48-52)in a certain code b)  ,  , =,  1. At least some dent are shell. language ‘Flower gives good c) =, =, <,  2. No dent is shell. fragrance’ is written as ‘ nu ru la ku’, 60-61: Statements: d) =, >, , > ‘ this bouquet contains eleven flowers’  Some Indian are Gujrati. is written as ‘ tic la su ra da’, ‘ e) None of these All Indian are Good. everybody like fragrance of bouquet’ 55. If the expression P > Z =A  Y All Good are Corrupt. is written as ‘yi ku ra ro va’, and < K is definitely true, which of the 60. Conclusions: ‘everybody gives eleven roses’ is expression would be definitely true? 1. Some Corrupt are Indian. written as ‘ nu da pa ro’. a) A < K b) P > Y c) P  A 2. Some Gujrati can never be 48. What is the code for ‘roses’ ? d) P > K e) Z < K Corrupt. a) ro b) da 56. In which of the following 61. Conclusions: c) nu d) pa expression the expression ‘ G > 1. At least some Gujrati are Good. 2. At least some Corrupt are Gujrati. e) None of these K  J’ would definitely false ? 49. Which of the following may be the a) M > G  P < K = S  J Directions (62-63) : Statements: code for ‘good fragrance from rose Some banks are shops. b) V < J I K = R > G flowers’ ?   Some shops are markets. a) ru ju pa nu la c) N > J = I  K > A = G All markets are junk. b) ru ku ju pa la d) Q = G I < K = R < J c) ro da ku la ju  62. Conclusions: e) None of these d) Can’t be determined 1. No junk is a bank. e) None of these 57.Which of the following symbol 2. At least some junk are banks. should replace the question mark (?) 50. What is the code for ‘likes’ ? 63. Conclusions: a) ro in the given expression in order to 1. Some markets are banks b) yi make ‘ E  T’ definitely true ? 2. No junk being banks is a c) va L = E ? A  W ? T possibility. d) Can’t be determined e) None of these

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Directions (64-65) : remaining boys are enrolled in only Painting classes. P = Q means Q is the father of P. P * Q means P is the sister of Q. 66.Total number of girls enrolled in Singing is approximately what per cent of the total P ? Q means Q is the mother P. number of students in the school ? P $ Q means P is the brother of Q. (a) 22 (b) 38 (c) 64 (d) 28 (e) 26 P @ Q means Q is son of P. 67. What is the respective ratio of the number of girls enrolled in only Painting classes to the P # Q means P is the daughter of Q. number of boys enrolled in the same ? (a) 77 : 26 (b) 21 : 73 (c) 26 : 77 (d) 73 : 21 (e) None of these 64. Which of the following means F is 68. Number of girls enrolled in only Dancing classes is what per cent of the boys enrolled in paternal uncle of G? the same? (Rounded off to two digits after decimal) (a) G # L $ F $ N (a) 38•67 (b) 35•71 (c) 41•83 (d) 28•62 (e) None of these (b) N $ F $ L # G 69. What is the total number of boys who are enrolled in Dancing? (c) G # M * F $ L (a) 636 (b) 728 (c) 584 (d) 868 (e) None of these (d) L = F $ Q @ G 70. What is the total number of students enrolled in all the three classes together ? (e) None of these (a) 150 (b) 125 (c) 140 (d) 160 (e) None of these 65. S # M * B @ L = F ? Qreveals which of the following relations? Directions (71–75) : Study the following table carefully to answer these questions: (a) F and B are brother and sister Percentage of Marks obtained by six students in six subjects (b) B is paternal uncle of S (c) L is grandmother of Q (d) M is maternal aunt of L (e) None of the above relations gets revealed QUANTITATIVEAPTITUDE Directions (66-70) : Study the information carefully to answer the 71. What are the average marks obtained by all the students in Maths ? questions that follow— A school consisting of a total of 3120 (a) 75 (b) 112.50 (c) 108.50 (d) 78 (e) None of these students has boys and girls in the ratio of 72. What are the average marks obtained by all students in Chemistry? 7 : 5 respectively. All the students are (a) 54.25 (b) 54.75 (c) 73 (d) 71 (e) None of these enrolled in different types of hobby 73. What is the ratio between total marks obtained by D in Biology, Maths and English classes, viz. Singing, Dancing and Painting. together and the total marks obtained by F in these subjects together respectively? One-fifth of the boys are enrolled in only (a) 209 : 215 (b) 215 : 209 (c) 206 : 223 (d) 223 : 206 (e) None of these Dancing classes. Twenty per cent of the 74. Marks obtained by C in Maths are approximately what per cent of his total marks girls are enrolled in only Painting classes. obtained in all the six subjects together ? Ten per cent of the boys are enrolled in (a) 22 (b) 16 (c) 20 (d) 18 (e) 28 only Singing classes. Twenty four per cent 75. What are the total marks obtained by ‘B’ in all the subjects together ? of the girls are enrolled in only Singing (a) 336 (b) 223 (c) 446 (d) 273 (e) None of these and Dancing classes together. The number Directions (76-80): What should come in place of the question mark (?) in the following of girls enrolled in only Singing classes is number series ? two hundred per cent of the boys enrolled in the same. One-thirteenth of the boys 76. 18935, 3780, 750, 145, 25, ? are enrolled in all the three classes (a) 5 (b) 2 (c) 4 (d) 3 (e) None of these together. The respective ratio of boys 77. 3, 10, 32, 111, ?, 2315, 13902 enrolled in only Dancing and Painting (a) 512 (b) 460 (c) 424 (d) 412 (e) None of these classes together to the girls enrolled in 78. 16, 24, ?, 210, 945, 5197.5, 33783.75 the same is 2 : 1 respectively. Ten per (a) 36 (b) 40 (c) 60 (d) 58 (e) None of these cent of the girls are enrolled in only 79. 16, 15, 21, ?, 77, 195.5, 588.5 Dancing classes whereas eight per cent (a) 36.5 (b) 39 (c) 37.5 (d) 36 (e) None of these ofthe girls are enrolled in only Dancing 80. 142, 871, 1383, 1726, 1942, 2067, ? and Painting classes together. The (a) 2283 (b) 2131 (c) 2134 (d) 2192 (e) None of these remaining girls are enrolled in all the three 81. If the compound interest on an amount of Rs. 29000 in two years is Rs. 9352.5, what is classes together. The number of boys the rate of interest? enrolled in only Singing and Dancing (a) 11 (b) 9 (c) 15 (d) 18 (e) None of these classes together is fifty per cent of the 82. Three friends A, B and C start running around a circular stadium and complete a single number of girls enrolled in the same. The round in 8, 18 and 15 seconds respectively. After how many minutes will they meet again at the starting point for the first time?

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(a) 12 (b) 6 89. At present Geeta is eight times her II. Y2 + 5Y + 6 = 0 (c) 8 (d) 15 (e) 18 daughter’s age. Eight years from now, 99. I. X2 + 29X = -210 83. The perimeter of a square is equal to the ratio of the ages of Geeta and II. Y2 + 28Y = -195 the radius of a circle having area her daughter will be 10 : 3 100. I. 5X2 – 18X + 9 = 0 39424 sq cm, what is the area of respectively. What is Geeta’s II. 20Y2 – 13Y + 2 = 0 square? present age ? (a) 1225 sq cm (a) 32 years (b) 40 years (b) 441 sq cm (c) 36 years (d) Can’t say  (c) 784 sq cm (e) None of these (d) Can’t say 90. In how many different ways can 4 (e) None of these boys and 3 girls be arranged in a row EXPLANATION such that all the boys stand together Directions (84-85) : Study the and all the girls stand together ? following information carefully to (a) 75 (b) 576 1.(e) 2.(b) 3.(c) 4. (a) answer the questions that follow— (c) 288 (d) 24 5. (a) 6.(c) 7.(b) 8.(b) A committee of five members is to be (e) None of these 9.(d) 10.(e) 11. (d) 12. (b) formed out of 5 Males, 6 Females and 3 13. (a) 14. (a) 15. (a) 16. (b) Children. In how many different ways Directions (91-95) : What approximate 17. (e) 18. (c) 19. (a) 20. (c) can it be done if—? value will come in place of the 21. (a) 22. (a) 23. (e) 24. (c) question-mark (?) in the following 25. (d) 26. (d) 27. (d) 28. (b) 84. The committee should consist of 2 questions - 29. (c) 30. (a) Males, 2 Females and 1 Child? Solutions (31-35): (a) 450 (b) 225 91. (2960 + 1378 + 3530) ÷ 278 = ? (c) 55 (d) 90 (a) 38 (b) 28 Time Date Day Exam (e) None of these (c) 12 (d) 19 Duration 85. The committee should include all the (e) 22 2nd March Wednesday History 60 mins 3 Childs? 92. 54.7 + 23.07 x 5.46 = ? 3rd March Thursday Maths 50 mins (a) 90 (b) 180 (a) 189 (b) 153 4th March Friday English 90 mins (c) 21 (d) 55 (c) 165 (d) 180 5th March Saturday Hindi 100 mins 6th March Sunday Off Off (e) None of these (e) 164 7th March Monday Economics 75 mins 86. Thirty men can complete a work in 93. 93.54 x 573 ÷ 16= ? 8th March Tuesday Science 40 mins 36 days. In how many days can 18 (a) 3350 (b) 3500 men complete the same piece of (c) 5700 (d) 1250 work? (e) 3900 31. (e) 32. (b) 33. (d) 34. (a) (a) 48 (b) 36 94. 23.95% of 6544= ? 35. (d) (c) 60 (d) 72 (a) 1635 (b) 1852 (36-42) : (e) None of these (c) 1570 (d) 6810 36. (e) 37. (a) 38. (b) 39. (d) 87. Ram spends 50% of his monthly (e) 1660 40. (c) 41. (c) 42. (a) 43. (a) income on household items, 20% of 95. 4999.91 ÷ 49.97 x 0.149= ? 44. (b) 45. (e) 46. (d) 47. (c) his monthly income on buying (a) 13 (b) 15 (48-52) : clothes, 5% of his monthly income (c) 17 (d) 21 flower – la on medicines and saves remaining (e) 25 fragrance – ku Rs. 11,250 . What is Ram’s monthly eleven – da income? Directions (96-100) : In the following everybody – ro (a) Rs. 38,200 questions two equations numbered I gives – nu (b) Rs. 34,000 and II are given. You have to solve both roses – pa (c) Rs. 41,600 the equations and good – ru (d) Rs. 45,000 Give answer (a) if x > y bouquet – ra (e) None of these Give answer (b) if x ? y contain – su, tic 88. The number obtained by Give answer (c) if x < y of – yi, va interchanging the two digits of a two Give answer (d) if x ? y 48. (d) 49. (b) 50. (d) 51. (a) digit number is lesser than the Give answer (e) if x = y and the 52. (a) 53. (c) 54. (d) 55. (b) original number by 54. If the sum of relationship cannot be 56. (d) 57. (e) the two digits of the number is 12, established. (58-63) : 58-59 then what is the original number? 96. I. 3x2 + 8x + 4 = 0 (a) 28 (b) 39 II. 4y2 – 19y + 12 = 0 (c) 82 (d) Can’t say 97. I. x2 + x – 20 = 0 (e) None of these II. y2 – y – 30 = 0 98. I. X2 + 9X + 20 = 0

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66. (e) Required percentage = (364 + 312 + 130)/3120 * 100 = 26 67. (c) Required ratio = 260 : 770 = 26 : 77 68. (b) Required percentage = 130/364 * 100 = 35.71 69. (d) Total number of boys who are enrolled in Dancing = 364 + 156 + 140 + 208 = 868 58. (e) 59. (c) 70. (e) (60-61) Total number of students enrolled in all the three classes together = 130 + 140 = 270 Solutions (71-75) 71. (b) Required Average = (76 + 84 + 66 + 72 + 88 + 64)/6 * 150/100 = 112.5 72. (b) Required Average = (66 + 72 + 78 + 80 + 68 + 74)/6 * 75/100 = 54.75 73. (a) 60. (a) 61. (e) Total marks obtained by D in Biology, (62-63) Maths and English together = 68% of 100 + 72% of 150 + 66% of 50 = 209 Total marks obtained by F in Biology, Maths and English together = 79% of 100 + 64% of 150 + 80% of 50 = 215 Required ratio = 209 : 215 74. (e) Required % = 66% of 150/(56%of75 + 78%of75 + 71%of100 + 66%of150 + 86%of50 + 70%of50) * 100 = 28% (approx) 75. (e) Total marks obtained by ‘B’ in all the 62. (e) 63. (b) 64. (a) 65. (d) subjects together (66-70) = 76% of 75 + 72% of 75 + 65% of 100 + 84% of 150 + 74% of 50 + 75% of 50 = 376.5 76. (b) 2*5=10+15 25*5=125+20 145*5=725+25 750*5=3750+30 77. (b)(3+7)*1=10, (10+6)*2=32 (32+5)*3=111 (111+4)*4=460 (460+3)*5=2315 (2315+2)*6=13902 78. (c)16 * 1.5 = 24, 24 * 2.5 = 60 60 * 3.5 = 210 210 * 4.5 = 945 945 * 5.5 = 51975 51975 * 6.5 = 3378.75 79. (a)16*0.5+7 = 1515*1+6 = 21 21*1.5+5 = 36.5

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36.5*2+4 = 77 VANIK’S KNOWLEDGE GARDEN across all systems. Under UPI, anyone who 77*2.5+3 = 195.5 has an account, should be able to send and 195.5+3+2=588.5 BOSS – Bharat Operating System receive money from their mobile phone with 80. (b)142+729 = 871 Solutions just an identifier without having any other 871+512 = 1383 Bharat Operating System Solutions (BOSS) bank/account details. It is designed to enable 1383+343 = 1726 is a free and open source Linux distribution all account holders to send and receive 1726+216 = 1942 for usage in Indian government departments money from their smartphones with a single 1942+125 = 2067 developed by the National Resource Centre identifier – Aadhaar number, mobile number, 2067+64 = 2131 for Free/Open Source Software virtual payments address – without entering 81. (c) (NRCFOSS) of India. BOSS GNU/Linux is any bank account information. UPI will P = 29000 CI = 9352.5 N = 2 years A also known by the acronym BOSS. The make payments possible only by providing Union Govt. during January 2015 asked = P + I = 38,352.5 an address with others without having ever states to deploy the open source Linux- Substituting the values in provided account details or credentials on based operating system BOSS meant to run rd A = P(1 + R/100)^n 3 party applications or websites. official computers. BOSS is being proposed Solving we get R = 15%. as a ‘homegrown’ alternative to the POTUS – President of the United States 82. (b) Microsoft Windows operating system, POTUS stands for President of The United The required time will be the LCM of which is the predominant OS in use across States. This term has been used for decades 8, 18 and 15 which is 360 sec or 6 Central and state government computer now to denote the U.S. President. The use minutes. systems, alongside other Linux variants such of the term POTUS was probably started 83. (c) as Redhat and Ubuntu, as well as Android by the security team of the President to call ? R^2 = 39424 and Unix systems. him in short. The term was, however, used R = 112 by the Indian media in a wide-spread manner Perimeter of square = 4a = 112 NMET – National Mineral Exploration for the first time on the occasion of President Side of square = 112/4 = 28 Trust Barack Obama’s historic visit to India from Area of square = 28^2 = 784 cm2. NMET is the name given to a new seed trust 25 to 27 January 2015. One reason POTUS 84. (a) floated by the Union Govt. during January was used so extensively this time was that Number of ways = 5C2 * 6C2 * 3C1 = 2015, which has primarily been established in the times of prevalence of social media 450 to promote more exploration of non-coal and Internet use of slang words and 85. (d) minerals and meet the growing needs of the acronyms have gained huge popularity. Number of ways = 11C2 * 3C3 = 55 domestic steel, aluminium, copper and other 86. (c) utilities. This seed trust has been established TLCs – Tech Learning Centres Tech Learning Centres (TLCs) is a new Required number of days = (30 * 36)/ with an initial corpus of Rs. 500 crore. The massive initiative launched by State Bank 18 = 60 Mines and Minerals (Development and Regulation) (Amendment) Ordinance, 2015 of India (SBI) recently to empower its 87. (d) customers through technology and Let total income of Ram be x. Then was promulgated to establish NMET. As per the ordinance, holders of mining awareness. Under this initiative special SBI (100 – 50 – 20 – 5)% of x = 11250 leases or prospecting-cum-mining leases centers across the length and breadth of the x = 45000. would pay to the NMET a sum equivalent country have started holding interactive 88. (e) to 2% of the royalty they pay to the learning sessions and demos of the bank’s Let the number be xy government. The trust would utilise the tech-channels. This initiative has been on (10x + y) – (10y + x) = 54 money for fresh exploration. In effect, it since December 2014. Under this 385 State x – y = 6 And x + y = 12 would function similarly to the state-run Bank TLCs across the length and breadth of Solving the equations we get x = 9 and Geological Survey of India (GSI) or its junior the country have started holding interactive y = 3 counterpart Mineral Exploration learning sessions and demos of the bank’s So the number is 93. Corporation Limited (MECL). The mines tech-channels for over ten thousand 89. (a) ministry’s efforts to strengthen its customers every month. A large number of Let the age of Geeta’s daughter be x. exploration firms gathered momentum customers are having an initial fear and Then Geeta’s age is 8x. following the steel ministry’s December hesitation to use technology for their banking (8x + 8)/ (x + 8) = 10/3 2014 presentation to the PMO wherein it needs. But through this initiative SBI seeks x = 4 had said that the total thermal coal to remove such hesitation among them. Geeta’s present age = 8x = 32 years. requirement for steel, cement and aluminium After launching in December, 2014, more 90. (c) sectors is approximately 200 million tonne, than 30,000 customers were trained in these Required number of ways = 4! * 3! * of which 40 million tonne is imported at a TLCs. TLCs will spread awareness of the 2! = 288. revenue outgo of Rs. 500 crore each year. Bank’s various tech channels including Cash 91. (b) 92.(d) 93. (a) 94. (c) Deposit Machines, Mobile Banking apps. 95. (b) 96. (e) 97. (c) 98. (c) UPI – Unified Payment Interface 99.(e) 100.(a) UPI is the name given to a unified platform launched by National Payments   Corporation of India (NPCI) on 18 February 2015 for providing a single payment interface

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PRACTICE SET FOR UPCOMING EXAM [IBPS-PO (MAIN)]

ENGLISH LANGUAGE work as an eye opener. Instead of taking the (c) Because Japanese markets have ‘Right Step’ as Toyota did, they preferred been going through a period of Directions (Q.1-10) : Read the following to take a ‘shortcut’. Now banks went to the continuous recession since the last passage carefully and answer the non creditworthy people and gave them decade. questions given below it. Certain words loans. The people expectedly defaulted and (d) The unlimited growth of the have been printed in bold to help you the entire system collapsed. Japanese markets has come at the locate them while answering some of the Now like Toyota western companies will cost of the western market. questions. learn to find new markets. They will now (e) None of these Indeed the western recession is really the lean towards India because of its common 2. According to the author, what is the beginning of good news for India! But to man! The billion plus population in the next main cause of Japanese recession? understand that we will have to move away 25 years will become, a consuming middle- (a) Only a handful of corporations for a while from the topic of western class. Finally, the world’s attention will shift earned profits and not the people recession ...... to the Japanese recession! For to the developing world. Finally, there will in general. years the Japanese style of management has be a real surge in income of these people (b) Non creditworthy people been admired. However, over the last decade and in the next fifty odd years, one can really defaulted which led to a collapse or so, one key question has sprung up ‘if hope to see an equal world in terms of of the entire system. Japanese management style is as wonderful material plenty, with poverty being almost (c) Consumers were sold newer as described then why has Japan been in a nonexistent! And this will happen not by products which were similar in recession for more than a decade? selling more cars to Americans and quality to the existing ones. The answer to this question is very simple. Europeans. It will happen by creating (d) Japanese do not purchase Culture plays a very important part in markets in India, China, Latin America and endlessly and thus when products shaping up economies. What succeeds in one Africa, by giving their people purchasing had been sold to every customer, culture fails in another. Japanese are basically power and by making products for them. the markets slowed down. non materialistic. And however rich they The recession has made us realize that it is (e) None of these become, unlike others, they cannot just keep not because of worse management 3. How does the author foresee the future throwing and buying endlessly. And once techniques, but because of limits to growth. globalization as an analogy to Henry they have everything they need; there is a And they will realize that it is great for Ford’s example? saturation point. It was only when companies planet earth. After all, how many cars and (A) Car companies would start selling like Toyota realized that they cannot keep houses must the rich own before calling it cars in developing countries as selling cars endlessly to their home market enough? It’s time for them to look at others well. that they went really aggressive in the as well. Many years back, to increase his (B) By paying the developing world western markets-and the rest is history. own profits, Henry Ford had started paying the developed world would Japanese companies grew bigger by catering his workers more, so that they could buy increase its own profit, in turn to the world markets when their home his cars. In similar fashion, now the bringing affluence to developing markets shrunk. developed world will pay the developing world as well. And the markets have to shrink finally after world people so that they can buy their (C) To earn profit, the companies in attaining a level of affluence! And that’s great cars and washing machines. developing countries would move for the world because earth needs sustainable The recession will kick-start the process of to foreign land. development. It does not need monstrous making the entire world more prosperous, (a) Only A (b) Only B consumers who keep consuming at the cost and lay the foundation of limits to growth (c) Only C (d) Only A and C of the environment and the earth. There in the west and the foundation of real (e) None of these should be limits to growth so that consumers globalization in the world - of the 4. According to the passage, which of the are not converted into material dustbins for globalization of prosperity. And one of its following was NOT an effect of the profit of a handful of corporations. first beneficiaries will be India. providing loans and credits to the Owing to the materialistic culture elsewhere, customers? it was possible to keep selling newer 1. Although admired since years, why did (A) The non creditworthy people products to the consumers despite having the scepticism over the Japanese defaulted. existing ones which served equally well. management style start since the last (B) People bought new products They were lured through advertising and decade? which were not needed. marketing techniques of ‘dustbinisation’ of (a) Japanese companies have been (C) Poverty became non-existent. the customer; and then finally, once they moving out of their home markets (a) Only A became ready customers, they were given since the last decade. (b) Only B loans and credits to help them buy more and (b) Japanese banks have provided (c) Only A and B more. When all the credit worthy people loans indiscriminately to the (d) Only B and C were given loans to a logical limit, they creditworthy as well as non (e) Only C ceased to be a part of the market. Even this creditworthy people. would have been understandable if it could

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5. Why is recession the beginning of good 10. SURGE 17. Which of the following sentences should news for India in the author’s view? (a) Decrease (b) Deteriorating be the THIRD after rearrangement? (A) India can provide an attractive (c) Weakening (d) Atrophy (a) A (b) E market to the western companies. (e) Crumble (c) D (d) F (B) India has remained largely (e) C unaffected by recession owing to Directions (Q.11-15) : Read each 18. Which of the following sentences should its huge population. sentence to find out whether there is any be the FIFTH after rearrangement? (C) Indians keep purchasing products grammatical error in it. The error if any (a) B (b) C despite owning equally good will be in one part of the sentence, the (c) A (d) E products. number of that part will be the answer. (e) F (a) Only C (b) Only B If there is no error, mark (e) as the 19. Which of the following sentences should (c) Only A (d) Only B and C answer. (Ignore errors of punctuation, if be the SIXTH (LAST) after (e) None of these any.) rearrangement? 6. Why according to the author is the current 11. To be a king and (a)/wear a crown are (a) C (b) E recession great for ‘Planet Earth’? (b)/ more glamorous to (c)/ see than to (c) D (d) B (A) It will make people non- bear. (d)/No error (e) (e) F materialistic like the Japanese. 12. None of the student (a)/ in the class (b)/ 20. Which of the following sentences should (B) The unlimited market growth scored below the (c)/ given cut-off be the FIRST after rearrangement? which caused hazards to the marks.(d)/ No error (e) (a) A (b) B environment would be checked to 13. Ashok is among the (a)/few people in (c) C (d) D a certain extent. the world (b)/ which did not blindly (e) E (C) Banks will now provide loans only follow (c)/ the path of others. (d)/ No to the creditworthy people. Directions (Q.21-25) : Each question error (e) below has two blanks, each blank (D) Developing countries will also be 14. Most people like to (a)/ rest after a benefited by shifted markets. indicating that something has been day’s hard work (b)/ but he seemed to omitted. Choose the set of words for each (a) Only A have (c)/an inexhaustive supply of (b) Only B and D blank that best fits the meaning of the energy. (d)/No error (e) sentence as a whole. (c) Only A and B 15. Ancient artifacts are (a)/ a part of global (d) Only B heritage (b)/ and should not be (c)/ sold 21. Many teachers ___ the lack of (e) None of these to the highest bidder. (d)/ No error (e) professional freedom as the ___ for leaving the job. Directions (Q.7-18) : Choose the word Directions (Q.16-20) : Rearrange the which is most similar in meaning to the (a) cited, reason following sentences (A), (B), (C), (D), (E) (b) explained, force word printed in bold as used in the and (F) to make a meaningful paragraph passage. (c) claimed, understanding and answer the questions which follow: (d) argued, culprit 7. CATERING (A) However while reading they (e) believe, ground (a) Considering would not know when to pause 22. Skeptics would not ____that the earth (b) Lending and what to emphasize. actually moves, let alone that it ____ (c) Supplying (B) Since then their use has been around the sun. (d) Working regularized and the punctuation (a) permit, orbits (e) Indulging rules have been followed by all. (b) accept, revolves 8. AGGRESSIVE (C) In earlier days, people learnt by (c) experience, circles (a) Violent reading out loud. (d) assume, went (b) Determined (D) But not everybody used the same (e) challenge, spins (c) Demanding punctuations for the same thing. 23. Unpredictable ____ of the child could (d) Offensive (E) To address this problem, various not lead the consult- ants to any _____. (e) Brutish signs depicting various (a) performance, setting punctuations were introduced. (b) belief, judgement Directions (Q.9-10) : Choose the word/ (F) Thus firmer guidelines regarding (c) operation, purpose phrase which is most opposite in punctuations were framed so that (d) behaviour, conclusion meaning to the word printed in bold as everyone used them in similar (e) react, decision . used in the passage. way. 24. A public servant who is guilty will not 9. PROSPEROUS 16. Which of the following sentences should ____ punishment and no ______(a) Distressed be the SECOND after rearrangement? person will be punished. (b) Helpless (a) A (b) B (a) be, sincere (c) Worse (c) D (d) E (b) flee, guilty (d) Worthless (e) F (c) defend, common (e) Underprivileged (d) avoid, uninformed

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(e) escape, innocent Sustainability issues need to be (33) so that present salary is Rs 12,800, then what 25. Few professions can ___ the sheer economic development is not at the (34) of will be his salary after three years? variety and constant ____ of being a public health. Some urban services that ought 1) 18423 2) 18432 doctor. to be in (35) in a city like water, electricity, 3) 18234 4) 18342 (a) like, struggle transport etc. need special consideration. 5) 18324 (b) share, enthusiast TERI has put together a detailed report that 43. A bag contains 4 blue, 5 black and 7 (c) match, challenge (36) sustainability in the provision of basic yellow balls. Three balls are drawn (d) draw, work-load urban services in Indian cities. randomly. What is the probability that (e) justify, exception (37) public transport is a major reason for all three drawn balls are of different the proliferation of private vehicles on the colours? Directions (Q.26-30) : In each of the road. Respiratory illness in children living following questions four words are given in urban areas is on the (38) with more cases 3 15 1) 2) of which two words are most nearly the of Asthma being (39) because of pollution. 4 17 same or opposite in meaning. Find the The future of cities of Indian dreams depends two words which are most nearly the on (40) we can build better cities today. 1 2 same or opposite in meaning and 3) 4) indicate the number of the correct letter 31. (a) till (b) since 4 17 combination as answer. (c) from (d) after (e) on 3 5) 26. (A) unite (B) association 32. (a) faster (b) slower 16 (C) separate (D) distant (c) changed (d) speed 44. If the rate of the stream is 5kmph, then (a) A-C (b) A-B (e) quick (c) B-C (d) B-D a man can swim a certain distance 33. (a) speculated (b) believed downstream in 2 hours and return (e) A-D (c) imagined (d) considered 27. (A) explicit (B) cautious upstream in 7 hours. If the rate of the (e) understand stream will be 3 kmph, how many (C) introvert (D) clear 34. (a) payment (b) rate (a) A-B (b) B-D distance the man will cover in 3 hours (c) costs (d) charge in upstream? (c) A- C (d) A-D (e)expense (e) C-D 1) 24 km 2) 12 km 35. (a) abundance (b) large 3) 21 km 4) 15 km 28. (A) fearful (B) beautiful (c) functional (d) vicinity (C) hostile (D) amicable 5) 18 km (e) location 45. A rectangular field, 65 m long and 43 (a) B-D (b) C-D 36. (a) bring (b) emphasizes (c) A-B (d) B-C meter broad, is surrounded by a 3- (c) speculates (d) postulates meter wide path. What is the area of (e) A-D (e) requests 29. (A) fraud (B) barbarous the path? 37. (a) Good (b) Competent 2 2 (C) guilty (D) civilized 1) 684 m 2) 333 m (c) Absence (d) Inadequate 2 2 (a) A-C (b) A-B 3) 258 m 4) 612 m (e) Sufficient 5) 484 m2 (c) B-D (d) A-D 38. (a) multiplication (b) expansion (e) C-D (c) rise (d) inflation Directions (Q.46-50): In each of these 30. (A) loud (B) prominent (e) grow questions, two equations (I) and (II) are (C) salient (D) legible 39. (a) produced (b) develop given. You have to solve both the (a) A-C (b) B-D (c) composed (d) resulted equations and give answer. (c) C-D (d) A-D (e) reported 1) if p > q 2) if p  q (e) B-C 40. (a) if (b) whether 3) if p< q 4) if p  q Directions (Q.31-40) : In the following (c) unless (d) provided (e) weather 5) if p = q, or relation cannot be passage there are blanks, each of which established between ‘p’ and ‘q’. has been numbered. These numbers are printed below the passage and against QUANTITATIVE APTITUDE 46. I. p2+3p – 40=0 each, five words are suggested, one of II. q2 – 14q+48= 0 which best fits the blank appropriately. 41. Asha purchases 20 kg of pickle at Rs 47. I. p2 = 49 Find out the appropriate word in each 12.50 per kg and 30 kg of pickle at Rs II. q2 – 16q+63 =0 case. 12 per kg. At what price per kg should 48. I. 2p2 +13p +21=0 Twenty years (31) now, nearly 60% of the she sell the mixture in order to gain II. 2q2+27q+88=0 world’s population will live in urban areas. 30%? 49. I. p2 +8p – 65=0 The impact of urbanization might not all be 1) 16.23 2) 16.32 II. q= positive on India as urban expansion is 3) 15.68 4) 15.86 841 happening at a much (32) rate than 5) 14.86 50. I. 5p2 – 17p +14 =0 Infrastructure expansion. 42. The salary of an employee increases II. 8q2+3q – 5=0 consistently by 20% every year. If his

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51. The simple interest on a certain sum of 59. 8 15 46 183 16 ? below it. You have to decide whether the money will be Rs 882 after 9 years. If 1) 4579 2) 5497 data provided in the statements are the principal is increased 5 times after 3) 4581 4) 5229 sufficient to answer the question. Read both 3 year, then what will be the total 5) 5495 the statements and Give answer interest at the end of 6 year. 60. 12 14 17 27 42 ? 1) if the data in statement I alone are 1) 2940 2) 1764 1) 72 2) 70 sufficient to answer the question, 3) 1470 4) 1564 3) 68 4) 66 while the data in statement II 5) 1672 5) 64 alone are not sufficient to answer 52. What is the number of diagonals of a 61. A man plants 15876 apple trees in his the question. polygon of 9 sides? garden and arranges them in such a way 2) if the data in statement II alone 1) 27 2) 36 that there are as many rows as there are sufficient to answer the 3) 54 4) 45 are apples trees in each row. Find the question, while the data in 5) 72 number of rows. statement I alone are not sufficient 53. Two trains of length 140 m and 120 m 1) 126 2) 136 to answer the question. respectively are running on parallel 3) 124 4) 134 3) if the data either in statement I tracks. When running in the same 5) 116 alone or in statement II alone are direction the faster train passes the 62. A student’s mark was wrongly entered sufficient to answer the slower train in 13 seconds, but when as 67 instead of 45. Due to that the question. running in opposite directions they take average marks of the class got increased 4) if the data in both the statements 5 seconds to cross each other. What is by half. Find the number of students I and II together are not sufficient the speed of the faster train? in the class. to answer the question. 1) 126.9 kmph 1) 42 2) 21 5) if the data in both statements I 2) 126.6 kmph 3) 22 4) 44 and II together are necessary to 3) 129.6 kmph 5) 46 answer the question. 4) 132.6 kmph 63. A boy rides his bicycle for 10 km at an 5) 136.6 kmph average speed of 8 kmph and again he 66. What is Jagadish’s share in the profit of 54. The cost of painting the walls of a room travels 8 km at an average speed of 10 Rs 50,000 earned in the business run 12 meters long and 6 meters wide at Rs kmph. What is his average speed for by him in partnership with Jay? 21 per sq meters is Rs 4536. What is the entire journey? (Calculate approx. I. Jagadish invested an amount 150% the height of the room? value) of the amount invested by Jay. 1) 5 m 2) 6 m 1) 9.2 2) 7.4 II. The amount invested by Jay is 3) 7 m 4) 8 m 3) 7.8 4) 8.4 two-thirds of the amount invested 5) 9 m 5) 8.8 by Jagadish. 55. A can do a piece of work in 20 days. A 64. In a regular week, there are 6 working 67. In how many days can Y alone complete with the help of B does the same piece days and for each working day there the work? of work in 15 days. If they are paid Rs are 8 working hours. A man gets Rs 24 I. Y and Z together can complete the 8584 for that work, then what is the per hour for regular work and Rs 32 work in 8 days. share of A? per hour for overtime. If he earns Rs II. X and Y together can complete 1) 2146 2) 6438 5184 in 4 weeks, then how many hours the work in 12 days. 3) 6483 4) 6348 does he work for? 68. What is the rate of interest p.c.p.a? 5) 6384 1) 192 hour 2) 216 hour I. The amount doubles itself in 10 3) 210 hour 4) 184 hour years. Directions (Q. 56-60): What should come 5) 212 hour II. The simple interest accrued in 5 in place of question mark (?) in the 65. A and B together can complete a piece years is Rs 5000. following number series? of work in 18 days. A alone can 69. What is the mother’s present age? complete it in 30 days. If B does the I. The present ages of mother and 56. 1716 990 504 210 60 ? child are in the ratio of 5 : 1 1) 24 2)6 work only for half a day daily, then in how many days will A and B together respectively. 3) 18 4) 12 II. Four years hence the ratio of the 5) 16 complete the work? 1) 20 days 2) 27 days ages of mother and child will be 57. 1 54 375 1372 3645 ? 17 : 5 respectively. 1) 7896 2) 7986 1 70. What is a two-digit number? 3) 4152 4) 5152 3) 25 days 4) 22 days 2 I. The sum of the digits is 6. 5) 7086 II. The digit in the ten’s place is double 58. 1 30 91 184 309 ? 5) 24 days the digit in the unit’s place. 1) 516 2) 478 3) 392 4) 466 Directions (Q. 66-70): Each of the questions Directions (Q. 71-75): Study the bar 5) 584 below consists of a question and two graph and pie-chart carefully and statements numbered I and II are given answer the following questions.

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The bar graph shows the number of people of different Directions (Q.76-80): The following table shows the religions in six different countries. percentage of marks obtained by five students in six different subjects. Answer the following questions based on this table.

Student English (full Chemistry (fullBiology (full Hindi (full Physics (full Maths (full marks 100) marks 50) marks 75) marks 75) marks 75) marks 200) Nilu 89% 74% 78% 56% 62% 63% Ajay 92% 56% 60% 46% 72% 72% Anil 72% 32% 42% 49% 84% 67% Nitish 63% 44% 54% 68% 54% 66% Raju 79% 66% 84% 77% 68% 58%

76. What is the overall percentage of marks scored by Ajay? 1) 53.16% 2) 48.16% 3) 68.16% 4) 58% The pie-chart shows the percentage of the total land in 5) 78.16% different countries 77. The marks scored by Raju in Physics is approximately what percent of the marks scored by him in Hindi? 1) 56% 2) 86% 3) 66% 4) 36% 5) 76% 78. What is the average marks scored by all students in Biology? 1) 53.7 2) 47.7 3) 49.7 4) 42.7 5) 57 79. What is the difference between the total marks obtained by Nitish in Chemistry, Hindi and Maths and that obtained by Anil in the same subjects? 1) 23 2) 12 3) 22 4) 42 71. The population of Muslims in India is what percent of the 5) 43 population of Christians in Egypt? 80. What is the total marks scored by Nilu in all subjects together? 1) 125% 2) 12.5% 1) 413.5 2) 313.5 3) 225% 4) 325% 3) 414.5 4) 413 5) 25% 5) None of these 72. The annual rate of decrease in the population of Muslims, Christians and Hindus is 20% 50% and 50% respectively. Directions (Q.81-85): Study the following graphs carefully to What was the population of Brazil two years ago? answer the questions that follow: 1) 121.25 lakh 2) 171.25 lakh The line graph shows the number of students in various 3) 79.23 lakh 4) 271.25 lakh departments in different cities. The pie-cart shows the 5) 242.2 lakh percentage of faculty members in different cities. 73. In the given countries the population of which religion is the maximum? 1) Muslim 2) Christian 3) Hindu 4) either Muslim or Christian 5) None of these 74. Which country has the maximum population? 1) India 2) Brazil 3) USA 4) Egypt 5) India and Brazil 75. Which country has the minimum population density? 1) Japan 2) China 3) Egypt 4) USA 5) Brazil

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number of TVs produced by both the Step V: goat good Xerox central English companies together is 340. 20% of the total following 18 23 33 50 81 89.\ products produced by company P are CDs. Step V is the last step of the above arrangement Company P produces equal number of as the intended arrangement is obtained. As webcams and mobiles. per the rules followed in the above steps, find out in each of the following questions the 86. What is the ratio of the number of appropriate steps for the given input. webcams produced by company P to Input : 19 Analytical 48 person 88 xenon 25 the number of TVs produced by magical 79 59 objective pattern. company Q? 1) 7:9 2) 4:9 91. Which step number would be the following Total number of faculty members 3) 8:9 4) 9:7 output? =10000 5) None of these “xenon person magical pattern 19 81. What is the ratio of the total number of 87. What is the total number of Mobiles analytical 25 objective 48 59 79 88.” students in all departments together to produced by both the companies a) Step III the number of faculty members in together? b) Step IV Delhi? 1) 390 2) 430 c) Step V 1) 20 :1 2) 17:3 3) 530 4) 420 d) There will be no such step 3) 18:5 4) 16:7 5) None of these e) None of these 5) 19:2 88. The number of Mobiles produced by 92. Which of the following would be the last 82. The number of students studying CSE company P is what percentage of the step of the rearrangement? in Pune is what percent less than the total number of products produced by a) IV b) V number of students studying ECE in company Q? c)VI d) VII Chennai? 1) 37 2) 33 e) None of these 1) 44.28% 2) 64.28% 3) 29 4) 25 93. If in the last step all the words get 3) 74.28% 4) 34.28% 5) None of these rearranged in alphabetical orders, which 5) 54.28% 89. What is the average of the number of of the following words would retain its 83. In which department is the number of web cams, CDs and TVs produced by original position? students the minimum? company Q? a) Objective b) xenon 1) IT 2) CSE 1) 280 2) 860 c) Magical d) person 3) Either IT or EEE 4) ECE 3) 270 4) 840 e) None of these th 5) EEE 5) None of these 94. Which of the following would be at the 7 84. The number of faculty members in 90. What is the difference between the position from the left in step III? BBSR is what percent of the number number of CDs produced by company a) 25 b) objective of students in ECE in Goa? Q and the number of TVs produced by c) 48 d) magical 1) 17.77% 2) 19.99% company P? e) None of these 3) 13.33% 4) 18.88% 1) 250 2) 300 95. In step IV, if ‘xenon’ is related to ‘88’ and 5) 16.66% 3) 200 4) 350 ‘person’ is related to ‘79’ then ‘19’ is 85. In which city is the number of students 5) None of these related to which of the following, if the per faculty member the maximum? same pattern is followed? 1) Chennai 2) BBSR REASONING ABILITY a) 48 b) 59 3) Delhi 4) Mumbai c) objective d) 25 Directions (Q.91-95): Study the following e) None of these 5) Pune information to answer the given questions. Directions (Q.86-90): Study the A word and number arrangement machine, Directions (Q.96-100) : In each of the following information carefully to when given an input line of words and numbers questions below are given three answer the questions that follow: rearranges them following a particular rule. The statements followed by four conclusions There are two companies P and Q. Both following is an illustration of input and numbered I, II and III. You have to take companies produce all the four different rearrangement. the given statements to be true even if products, viz TVs, Mobile, Web cams and Input: English 18 following 50 xerox 89 goat they seem to be at variance from CDs. Company P produces a total of 800 33 central 81 23 good. commonly known facts. Read all the products. The ratio of the total products Step I: goat English 18 following 50 xerox 33 conclusions and then decide which of the produced by company P to that by central 81 23 good 89 given conclusions logically follows from company Q is 4 : 5. 20% of the total Step II: goat good English 18 following 50 the given statements disregarding products produced by company Q are xerox 33 central 23 81 89. commonly known facts. webcams and 40% of them are CDs. Two- Step III: goat good Xerox English 18 following 33 central 23 50 81 89. 96. Statements: fifths of the remaining products produced Some books are trees. by company Q are mobiles. The total Step IV: goat good Xerox central English 18 following 23 33 50 81 89. All trees are roads.

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All roads are wheels. (b) Only I follows d) A, who is father of C Conclusions: (c) Only II follows e) None of these I. Some wheels are books. (d) Only III follows II. Some roads are books. (e) Only II and III follows Directions (Q.106-110) : Each of the III. Some wheels are trees. questions below consists of a question (a) Only I and II follow Directions (Q.101-105) : Study the and two statements numbered I and II (b) Only II and III follow following information carefully and given below it. You have to decide (c) Only I and III follow answer the given questions. whether the data given in the statements (d) All follow A, B, C, D, E, F, G and H are eight family are sufficient to answer the questions. (e) None of these members sitting around a circular table, facing Read both the statements and– 97. Statements: the centre, but not necessarily in the same Give answer (a) if the data in statement All stones are rivers. order. Each member has a different hobby, I alone are sufficient to answer the All rivers are cars. viz cooking, singing, swimming, watching question, while the data in statement Some cars are trains. TV, reading, dancing, walking and listening II alone are not sufficient to answer Conclusions: to music, but not necessarily in the same the question. I. Some trains are stones. order. Give answer (b) if the data in statement II. Some cars are stones. D sits on the immediate left of her brother, II alone are sufficient to answer the III. Some trains are rivers. who sits in front of his father. G sits between question, while the data in statement I (a) None follows the person who likes swimming and the alone are not sufficient to answer the (b) Only I follows person who likes singing, her hobby is question. (c) Only II follows reading. A is the head of his family and sits Give answer (c) if the data either in (d) Only III follows third to the left of wife B. E has two sisters statement I alone or statement II alone (e) Only II and III follows and sits second to the right of his are sufficient to answer the question. 98. Statements: grandfather, whose hobby is watching TV. Give answer (d) if the data even in All desks are rooms. B has two sons and one of the son’s hobby both statements I and II together are Some rooms are halls. is singing. F sits in front of her mother-in- not sufficient to answer the questions. All halls are leaves. law, whose hobby is music. H’s son’s hobby Give answer (e) if the data in both Conclusions: is walking. C and his sister-in-law like singing statements I and II together are I. Some leaves are desks. and cooking respectively. necessary to answer the question. II. Some halls are desks. 101. What is the hobby of D? 106. What is the position of Yogesh from III. Some leaves are rooms. a) Cooking b) Reading the left in the group of 21 students all (a) None follows c) Dancing d) Singing of them facing north? (b) Only I follows e) None of these I. Praveen is exactly in the middle (c) Only II follows 102. Who among the following sits third to of the row. There are five persons (d) Only III follows the left of H ? between Praveen and Yogesh. (e) Only II and III follow a) B b) C Yogesh is fifth from the right end. 99. Statements: b) D d) E II. There are two persons between Some bags are plates. e) None of these Seema and Praveen and another Some plates are chairs. 103. Which of the following statements is two persons between Seema and All chairs are tables. true ? Yogesh. Conclusions: a) A is grandfather of G and sits third 107. In which year did Ranjana complete I. Some tables are plates. to the right of G. her graduation? II. Some chairs are bags. b) H is husband of F and sits on the I. According to Ranjana’s father she III. No chair is bag immediate right of C graduated after March 1989 but (a) Only I follows c) E is sister of G before March 1993. (b) Only either II or III follow d) All are true II. The brother of Ranjana (c) Only I and either II or III follow e) None of these remembers correctly that she did (d) Only III follows 104. How is H related to A ? her graduation after March 1991 (e) None of these a) Brother b) Father but before March 1994 and the 100. Statements: c) Daughter d) Son year of her graduation was an even All buildings are mirrors. e) None of these number. Some mirrors are pens. 105. Who among the following sits in front 108. Are M, S and N in a straight line? No pen is paper. of C and what is the relationship I. N is 6 metres East of M. O is 4 Conclusions: between them ? metres North of N. T is 3 metres I. Some papers are buildings. a) B, who is brother of C West of O and S is 4 metres South II. Some pens are buildings. b) A, who is daughter of C of T. III. Some papers are mirrors. c) B, who is mother of C II. P is 6 metres North of M. Q is (a) None follows exactly in the middle of P and M.

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R is 3 metres East of Q. S is 3 cases are given to you as on P, Q, R, S, T, U and V are seven teachers metres South of R. N is 3 metres 01.03.2011. A, B, C, D are four coaching institutes. East of S. Mark answer (a) if the candidate is These coaching institutes are operated 109. Whether it was 4 O’s clock two hours not to be selected. by the group of seven teachers mentioned ago? Mark answer (b) if the candidate is to above – The institutes open only on I. At present, both the hands of the be selected. Sunday. At least one teacher visits the clock face the opposite direction Mark answer (c) if the data are coaching institutes on each Sunday but along a straight line. inadequate to take a decision. no institute is visited by more than two II. Two hours ago, both the hands of Mark answer (d) if the case to be teachers. Each teacher teaches different the clock together formed an angle referred is to Vice President - subjects. Subjects are : Hindi, English, of 120 degree. Marketing. Maths, History, Biology, Physics and 110. Among I, A, G, K, J and V who is the Mark answer (e) if the case is to be Chemistry. The name of the subjects are tallest? referred to GM-Marketing. not necessarily in the same order as the I. V is taller than J and G. K is taller names of the teacher. than I and G. K is not the tallest. 111. Suresh Mehta has secured 58 percent  U, who teaches chemistry, visits II. V is taller than K and I. J is taller marks in graduation. He was born on alone the institute B. than G. V is not the tallest. 19th May, 1977. He has secured 50  The one who teaches maths does per cent marks in the selection process. not visit the institute A. Also, he Directions (Q.111-115) : Study the He has been working for the past seven never visits with T or V. following Information carefully and years in the Marketing division of an  S visits the institute D with the answer the questions given below : organisation after completing his Post person who teaches physics. Following are the conditions for Graduation with 62 percent marks.  Q visits the institute C, he does not selecting Marketing Manager in an 112. Sudha Gopalan has secured 50 percent teach maths. organisation : marks in both selection process and  R visits the institute C. V does not The candidate must: graduation. She has been working for teach physics. (i) be at least 30 years old as on the past six years in the Marketing  The one who teaches maths visits 01.03.2011 division of an organisation after the institute with the preson who (ii) have secured at least 55 percent completing her Post Graduate Diploma teaches Hindi. marks in graduation in Marketing with 70 percent marks.  The one who teaches History visits th (iii) have secured at least 60 percent She was born on 14 October, 1980. the institute D. marks in Post graduate Degree/Diploma 113. Divya Kohli has been working for the  P teaches neither English nor in Marketing past five years in Marketing division physics, All the persons follow the (iv) have post qualification work of an organisation after completing her same routine on every Sunday. experience of at least five years in the Post Graduate Diploma in Marketing Marketing Division of an organization with 65 percent marks. She has secured 116. P visits which of the following institutes? (v) have secured at least 45 per cent 55 percent marks in graduation and 50 a) Can’t say b) A marks in the selection process. per cent marks in the selection process. c) B d) C In the case of a candidate who satisfies She was born on 2nd April, 1981. e) D all other conditions except– 114. Navin Marathe was born on 8th April, 117. Who among the following teaches (A) at (Iv) above, but has post 1977. He has secured 60 percent marks History? qualification work experience of at least in both graduation and Post-Graduate a) S b) Q two years as Deputy Marketing Degree in Marketing. He has been c) T d) Can’t say Manager, the case is to be referred to working for the past six years in the e) None of these GM-Marketing. Marketing division of an organisation 118. Which of the following statements is/are (B) at (ii) above, but has secured at after completing his PG Degree in not true? least 65 per cent marks in Post graduate Marketing. He has secured 50 per cent I. S teaches physics in the institute D. Degree/Diploma in Marketing marks in the selection process. II. R teaches maths in the institute A. Management, the case is to be referred 115. Varun Malhotra was born on 3rd July, a) Both I and II to Vice President Marketing. 1978. He has been working as Deputy b) Neither I nor II In each question below is given details Marketing Manager in an organisation c) Either I or II of one candidate. You have to take one for the past three years after completing d) Only II of the following courses of actions his Post Graduate Degree in Marketing e) None of these based on the information provided and with 65 percent marks. He secured 55 119. Which of the following statements is the conditions and sub-conditions per cent marks in both graduation and correct? given above and mark your answer selection process. a) R teaches maths accordingly. You are not to assume b) Q teaches Hindi anything other than the Information Directions (Q. 116-120): Study the following c) T teaches physics provided in each question. All these information carefully and answer the d) P teaches Biology given questions. e) None of these

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120. Which of the following statements is government for discriminatory decide which of the arguments is a incorrect? practices. “strong” argument and which is a ‘weak” a) V and P visits the institute A. 123. Statement : Mr. X started at 9.00 am argument. Give answer b) The person who teaches maths or from his residence to attend a meeting 1) If only argument I is “strong”. Hindi visit the institute C. scheduled to be held at 11.00 am and 2) if only argument II is “strong”. c) Teachers of history and physics instructed his assistant to meet him at 3) if either I or II is “strong”. visits the institute D. the venue of the meeting and hand over 4) if neither I nor II is “strong”. d) Only one person visits the institute the relevant documents. 5) if both I and II are “strong”. B. Assumptions : e) None of these I. Mr. X may arrive at the meeting 126. Should the Government restrict use of place before 11.00 am. electricity for each household Directions (Q.121-125) : In each question II. Mr. X’s assistant may be able to depending on the requirement ? below is given a statement followed by arrive at the venue before Arguments : two assumptions numbered I and II. An commencement of the meeting. I. Yes, this will help government tide assumption is something supposed or 124. Statement : “If you are a first class over the problem of inadequate taken for granted. You have to consider graduate with good communication skill generation of electricity. the statement and the following and also have work experience of at II. No, every citizen has right to assumptions and decide which of the least two years in the sales related consume electricity as per their assumptions is implicit in the statement. activities, you are welcome in our requirement as they pay for using Give answer (a) if only Assumption I organisation” An employment electricity. is implicit. advertisement. III. No, the government does not have Give answer (b) if only Assumption Assumptions : the machinery to put such a II is implicit. I. Many with good communication restriction on use of electricity. Give answer (c) if either Assumption skills may not respond to the a) Only I is strong I or II is implicit. advertisement. b) Only II is strong Give answer (d) if neither Assumption II. All the first class graduates may c) Only I and II are strong I nor II is implicit. possess good communication d) Only II and III are strong Give answer (e) if both Assumptions skills. e) All I, II and III are strong. I and II are implicit. 125. Statement : The railway authority has 127. Should the Government order closure announced suspension of movements of all educational Institutions for a 121. Statement : The city transport month to avoid fast spreading of the corporation has introduced air- of train on the main track within the city limit for carrying out major repair contagious viral infection ? conditioned buses on various routes to Arguments : attract people travelling to their work works during Saturday and Sunday and advised the commuters to plan their I. No, closure of educational institution places by car and hence reduce alone is not the solution for congestion on the roads. journey accordingly. Assumptions : curbing spread of viral infection. Assumptions : II. No, students will visit crowded I. Majority of the people may still I. The commuters may protest against the decision of the railway places like malls, markets, prefer to travel to their work playgrounds etc. in more numbers places in their own cars. authority and may disrupt other transport services. and spread the disease, as they II. Many people may now opt for will have lot of spare time at their these buses for travelling to their II. The municipal authority may be able to deploy additional buses disposal. work places. III. Yes, young persons are more prone 122. Statement : The state government has during Saturday and Sunday to help the commuters. to get affected by the viral announced an amnesty scheme for all infection and hence they should the housing societies defaulting on Directions (Q.126-130): In making remain indoors. payment of municipal taxes asking decisions about important questions, it is a) None is strong these societies to pay up front six desirable to be able to distinguish between b) Only I is strong\ percent of the dues and regularize their “ strong” arguments and “weak” c) Only III is strong status without any penalty. arguments insofar as they relate to the d) Only I and II are strong Assumptions : question. “ Strong” arguments are those e) All I, II and III are strong. I. Most of the defaulting housing which are both important and directly 128. Should the Government ban export of societies may now opt for the related to the question. “Weak” arguments all types of food grains for the next amnesty scheme and pay up their are those which are of minor importance one year to tide over the unprotected dues. and also may not be directly related to the draught situation in the country ? II. Other housing societies which question or may be related to a trivial Arguments : have been paying their taxes aspect of the question. I. Yes, there is no other way to provide regularly may file case against the Each question below is followed by two food to its citizen during the year. arguments numbered I and II. You have to

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II. No, the Government does not have 131. In a certain code GLAMOUR is written like English and his favourite sport is not its Jurisdiction over private as BMHLQTN. How is SERVING Basketball. P’s favourite sport is Cricket. exporters for banning exporters. written in that code? The one whose favourite sport is III. Yes, the Government should not (a) TFSUFMH Badminton does not like Biology. allow the exporters to exports (b) QDRTFMH food grains and procure all the (c) QDRTHOJ 136. Who likes History? food grains held by such exporters (d) SFTUFMH (a) P (b) R and make it available for home (e) None of these (c) Q (d) V consumption. 132. In a certain code GEAR is written as (e) Data inadequate a) Only I and II are strong ‘5%9$’ and FIRM is written as 137. Whose favourite sport is Basketball? b) Only II and III are strong ‘3@$7’. How is FAME written in that (a) S (b) W c) Only I and III are strong code? (c) Q (d) Data inadequate d) All I, II and III are strong (a) 397% (b) 3%97 (e) None of these e) None of these (c) 597% (d) 5397 138. Which subject does T like? 129. Should there be a common syllabus for (e) None of these (a) Biology all subjects in graduate courses in all 133. Four of the following five are alike in a (b) Physics the universities across the country ? certain way and so form a group. Which (c) Chemistry Arguments : is the one that does not belong to that (d) Data inadequate I. Yes, this is the only way to spring in group? (e) None of these uniformity in the education (a) 35 (b) 80 139. What is Q’s favourite sport? system in the country. (c) 45 (d) 60 (a) Cricket II. Yes, it will help standardize the (e) 75 (b) Table Tennis quality of graduation certificates 134. M is sister of K, D is brother of K, F is (c) Football being given by different mother of M. How is K related to F? (d) Badminton universities in the country. (a) Son (e) None of these III. No, each university should have (b) Daughter 140. Which subject does P like? the autonomy to decide its (c) Son or Daughter (a) History syllabus based on the specific (d) Data inadequate (b) Biology requirement of the university. (e) None of these (c) Chemistry a) None is strong 135. How many such pairs of letters are (d) Data inadequate b) Only I is strong there in the word JUMPING each of (e) None of these c) Only II is strong which has as many letters between d) Only I and II are strong them in the word as in the English GENERAL AWARENESS e) Only II and III are strong alphabet? 141. Recently Adonis has been chosen for 130. Should all those students who failed in (a) None (b) One 2015 Kumaran Asan World Prize for one or two subjects in HSC be allowed (c) Two (d) Three poetry. He is an ______poet to take admission in degree courses and (e) More than three a. Indian b. Arabic continue their study subject to their Directions (Q.136-140) : Study the c. American d. Spanish successfully passing in the e. None of these supplementary examination ? following information carefully and answer the questions given below : 142. At which of the following places the Arguments : Steel Research and Technology I. Yes, this will help the students to P, Q, R, S, T, V and W are seven students of a college. Each of them has a favourite Mission of India (SRTMI) will be set complete their education without up as per the recent agreement between a break of one year. subject from Physics, Chemistry, English. Biology, History, Geography and major Steel companies and Union II. Yes, this is a forward looking Ministry of Steel? strategy to help the students and Philosophy, not necessarily in the same order. Each of them also has a favourite sport a. Mumbai b. Bangalore motivate them for higher studies. c. Pune d. New Delhi III. No, such students do not choose from Football, Cricket, Hockey, Volleyball, Badminton, Table Tennis and Basketball not e. None of these to continue their studies without 143. Who has been appointed as the new having passed in all the subjects necessarily in the same order. R likes Philosophy and his favourite sport Chief Election Commissioner of India? in HSC. a. Harishankar Brahma a) Only I is strong is Hockey. The one who likes Football likes English. T’s favourite sport is not b. Y.V. Reddy b) Only II is strong c. Dr. Nasim Zaidi c) Only III is strong Badminton or Table Tennis. V does not like either History or Biology. The one whose d. H.L. Dattu d) Only either II and III and I are strong e.none of these e) None of these favourite sport is Basketball does not like Physics. W likes Chemistry and his favourite 144. Recently Liu Xiang announced his sport is Volleyball, S likes Geography. Q’s retirement. He was China’s first favourite sport is Badminton. V does not

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Olympic ______medalist in an d) High competitions because of entry a) Corporate banking athletic event. to all financial institutions b) Rural banking a. gold b.silver e)none of these c) Retail banking c.bronze d.copper 152. Which of the following theory is d) Micro finance e.none of these associated with the financial system in e)none of these 145. Which of the following Indian actresses the economic growth? 159. The origin of bank instruments can be won the 2014-15 Young Women a) Retributive theory traced to? Achievers Award? b) Reformative theory a) The priests and worship places of a. Katrina Kaif c) Financial repression theory public deposits b. Jacqueline Fernandez d) Jurisdictional theory b) Goldsmith receipts c. Shraddha Kapoor e)none of these c) Bonds issued by the British d. Deepika Padukone 153. Which of the following is not a financial Government in India e.none of these intermediary in the financial markets? d) Bank notes issued by Bank of Venice 146. Which of the following is the a) Pension funds e)none of these disadvantage of going for public issue? b) Credit unions 160. Which of the following is not the a) Liquidity to existing shares c) Life insurance companies function of commercial banks? b) Increase in visibility and reputation d) Small scale service institute a) Providing transaction services to the company e)none of these b) Intermediation in financial services c) Better pricing and placement with 154. Which of the following is not a function c) Providing transformation services new investors of a commercial bank? d) Regulating the issue of bank notes. d) Need to make continuous disclosures a) Registration of charges and mortgages e)none of these e)none of these b) Transactions services 161. There are various instruments in the 147. Which of the following is not a criterion c) Asset transaction financial terms, in which assets is an to select the Investment Bankers? d) Real-time Gross Settlement also important term in finance. Which a) No professional memberships or e)none of these one under given is an example of the incorporations are required 155. Which of the following is one of the financial assets? b) General reputation in the market three pillars of new Basel Capital a) Cash c) Good rapport with market Award? b) Cash equivalent intermediaries a) Market competitions c) Bank deposits d) Distribution net work of the b) Market rapport d) Bonds organization c) Market discipline e) All of the above e) None of these d) International market relations 162.Capital market is a market which 148. Which of the following is not an asset e)none of these deals in which one of the following – of a bank? 156. Earlier the interest in savings bank a) Short term funds a) Notes and small coins accounts of a bank is calculated on? b) Long term funds b) Overdue recurring deposits a) Minimum amount of balance that is c) Gift-edged securities c) Short term loans maintained in the account in between d) All of the above d) Staff advances 10th and the last day of month e) None of these e) none of these b) Maximum amount of balance that is 163. The 1st indigenously developed 149. The banking company has restriction maintained in the account in between rotavirus vaccine is against to sanction loan to? 10th and the last of month a) Swine Flu (b) Bird Flu a) Directors of the bank c) Minimum amount of balance that is b) Staff working in the bank maintained in the account in between (c) Diarrhoea (d) Malaria c) Students going abroad 1st and the last day of month (e) Dengue d) Professionals d) Maximum amount of balance that is 164. Sending of promotional item to the e)none of these maintained in the account in between client is known as – 150. Which of the following is a non- 1st and the last of month a) Indirect Marketing depository institution? e)none of these b) Mixed Marketing a) Credit unions 157. The credit policy of a bank does not c) Promotional Marketing b) Commercial banks deal with? d) Direct Marketing c) Mutual funds a) Credit risk management e) None of these d) Regional rural banks b) Documentation standards 165. Main financial instruments of e)none of these c) Review and renewal of advances corporate sectors are ______? 151. The disadvantage associated with d) Outstanding balances in deposit A) Share leasing company is? accounts B) Debenture a) Low costs e)none of these C) Public deposits b) Flexibility in payments 158. Issuing credit cards is a component of? D) Loan from institutions c) Eliminates the risk of obsolescence a) Both A and B

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b) Both B and C 173. On which of the following National a) Mohammad Sami c) Both C and D Highways India’s longest road tunnel will b) Taijul Islam d) All A, B, and D be opened in next year? c) Bhuvanesh Kumar e) All A, B, and C a)Mumbai-Pune National Highway d) KagisoRabada 166. Which of the following section of b) Delhi-Chandigarh National Highway e) None of these people in not financially excluded ? c) Jammu-Srinagar National Highway 180. Name the women nominated as first a) Marginal Farmers d) Lucknow-Delhi National Highway female judge of Afghanistan Supreme b) Salaried persons e) None of these Court on 30th June’15? c) Landless labours 174. What is the reason for the demolition of a) AnisaRasouli d) Self employment and unorganized facade of Bhopal’s historical b) ShabnamRaza sector enterprises ShaukatMahal by the Municipal c) SaminaKhatoon e) Urban slum dwellers Corporation Employees on 12th d) Malala Khan 167. BHEL has commissioned a 600 mw July’15? e) None of these Super Critical Thermal Power Plant in a) It acquired more space in the populous a) UP b) Jharkhand city. COMPUTER KNOWLEDGE b) It is not considered as a National c) Bihar d) Odisha Heritage. 181. Outlook Express is a____ e) Rajasthan c) Land is acquired for Govt. Office (a) E-Mail client (b) Scheduler 168. Incentive to encourage the purchase or d) It developed wide cracks. (c) Address Book sale of a product is known as e) None of these – (d) All of the above a) Sales 175. Name the campaign that will be launched (e) None of these b) Product promotion by India on the occasion of the first ever 182. Which key should be pressed to start a c) Sales promotion UN World Youth Skills Day? new page in MS-Word? d) Company promotion a)NamaiGange Campaign (a) Down Cursor Key e) None of these b) Skill India Campaign (b) Enter Key 169. The need of Human wants that are c) YuvaKalyanKosh (c) Shift + Enter backed by Human Power, is known as d) Sab HaathRozgaar Campaign (d) Ctrl + New a) Human Demand e) None of these (e) Shift + Ctrl + Enter b) Consumer Demand 176. Name the person known for developing 183. Which type of software is similar to an c) Demand SMS through mobile communication accountant’s worksheet? d) Derived Demand who passed away in June’15? (a) Word processing e) None of these a)Martin Cooper (b) Database 170. Which one of the following is not a b) Joel S Engel (c) Spreadsheets mechanism that contributes to the c)VA Shiva Ayyadurai (d) Graphics success of micro credits? d) MattiMakkonen (e) File Manager a) Collaterals 184. The network connecting several b) Regular repayment e) None of these computers all over the world is c) Schedules Peer monitoring 177. Name the online registration system (a) Intranet (b) Internet d) Dynamic incentives launched by India for foreign employers (c) ARPnet (d) Network e) All of the above (FEs) who want to recruit Indian (e) LAN 171. In which country, the bust of Gurudev workers? 185. In windows, by default the files when Rabindranath Thakur has been unveiled a) eRecruit System b) eWorker System deleted are sent to___ on 13th July’15? (a) Dust Bin a) Tajikistan c) eMigrate System (b) Recycle Bin b) Kazakhstan d)eForeign System (c) Waste Bin c) Turkmenistan e) None of these (d) Recycle Waste Bin d) Kyrgyzsta 178. Which country becomes first developed (e) None of these e) None of these nation to default on International Monetary Fund debt? 186. Which of the following is an Operating 172. On 13th July’15 the Supreme Court a) Denver System? dismissed businessman Vijay Mallya’s (a) MS Windows plea seeking quashing of criminal b) Greece (b) Mac proceedings against him in a case c) United States (c) MS DOS pertaining to violation of ______. d) Cuba (d) Windows NT a) Money Laundering Act e) None of these (e) All of the above b) Foreign Exchange Rules 179. Which cricketer became only the second 187. A terminal that cannot process any c) Illegal Land Acquisition Rules player in the history of One Day information is called___ d)All of above International (ODI) cricket to claim a hat- (a) Direct access terminal e) None of these trick on ODI debut? (b) Intelligent terminal

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(c) Smart terminal (a) toolbar (b) menu bar 41. (4) Price of 20 kg of pickle = 12.5×20 (d) Blind terminal (c) window (d) find = 250 (e) Dumb terminal (e) None of these Price of 30 kg of pickle = 12×30 = 188. The keys labelled 0-9 on the keyboard 196. A CPU contains _____ 360 are called ___ (a) a card reader and a printing device In order to get 30% profit, SP must (a) Function keys (b) an analytical engine and a control be (b) Numeric keys unit 130 1 (c) Typewriter keys (c) a control unit and an arithmetic logic 250 360    15.86 (d) Special keys unit 100 50 (e) Alpha keys (d) an arithmetic logic unit and a card 189. The most popular Internet activity reader 42. (2) is___ (e) None of these 120 120 (a) downloading music 197. A computer cannot “boot” if it does 12800   18432 (b) watching movie trailers not have the____ 100 100 (c) shopping for books (a) Compiler 43. (3) Probability (d) e-mailing (b) Loader (e) None of these (c) Operating System 4c 5 c  7 c 1 190. In a spreadsheet, a cell is defined as the (d) Assembler 1 1 1 =  (a) intersection of a table and a tuplet (e) None of these 16 4 c3 (b) intersection of a file and a database 198. When you want to move some text (c) intersection of a row and column from one page to a different page, the 44. (5) Let man’s speed is x kmph (d) intersection of a field and a record best method is___ S (U) = (e) None of these (a) drag and drop x 5 191. “GUI” stands for___ (b) cut and paste S (D) = x 5 (a) Gnutella Universal Interface (c) delete and retype (b) Graphical User Interface (d) find and replace 2(x 5)  7(x  5) (c) Graphic Uninstall/Install (e) None of these  x = 9 (d) General Utility Interface 199. The ability of an OS to run more than (e) None of these one application at a time is called If stream rate is 3 kmph, man can cover 192. A____is a design tool that graphically (a) multitasking shows the logic in a solution algorithm. (b) object-oriented programming in 3 hour, up stream is 3(9 3) = 18 (a) flowchart (c) multi-user computing km (b) hierarchy chart (d) time-sharing (c) structure chart (e) None of these 45. (1) Area of rectangular field (d) context diagram 200. Example of non-numeric data is = 65 43  2795 sqm (e) None of these (a) Employee address 193. A file that contains definitions of the (b) Examination score Area of outer field paragraph and character styles for your (c) Bank balance = sqm document and all things you (d) All of the above 71 49  3479 customised like tool bars and menus is (e) None of these Area of path = 684 m2 called a___ 2 (a) guide 46. (3) I. P 3P  40  0 (b) pattern  Or, (c) base document P(P 8)  5(P  8)  0 (d) template (P 8)(P  5)  0 (e) None of these EXPLANATION 194. Programs designed specifically to Or,P = 5, 8 address general-purpose applications 2 and special-purpose applications are 1. (c) 2. (d) 3. (b) 4. (e) II. q 14q  48  0 called___. 5. (c) 6. (b) 7. (c) 8. (b) (a) operating system 9. (e) 10. (a) 11. (b) 12. (a) Or, q(q 6)  8(q  6)  0 (b) system software 13. (c) 14. (c) 15. (e) 16. (a) (q 6)(q  8)  0 (c) application software 17. (b) 18. (e) 19. (d) 20. (c) (d) management information systems 21. (a) 22. (b) 23. (d) 24. (e) q = 6, 8 (e) None of these 25. (c) 26. (a) 27. (d) 28. (b) 195. A____contains buttons and menus that 29. (c) 30. (e) 31. (c) 32. (a) Hence p < q provide quick access to commonly used 33. (d) 34. (e) 35. (a) 36. (b) 47. (4) I. p2 49 commands. 37. (d) 38. (c) 39. (e) 40. (b) 

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Or, p  7 Or, 8q2  8q  5q  5  0 so B does 1 unit II. q2  16q  13  0 Or, 8q(q 1)  5(q  1)  0 8584 A’s share  3  6438 Rs 4 q(q 7)  9(q  7)  0 Or, (8q 5)(q  1)  0 56. (2) The series is 123  12, Or, (q 7)(q  9)  0 5 y   1, 3 3 3 3 Or,q = 7, 9 8 10 10, 8 8, 6 6, 4 4 Hence p  q Hence p > q 57. (2) The series is 48. (1) I. 2p2  13p  21  0 51. (2) SI after 9 year = 882 1 13 ,2 33 ,3 53 ,4 73 ,5 93 Or 882 , 2 2 2p(p 3)  7(p  3)  0 for 3 year =  294 58. (4) The series is 2 3, 6 6, Or 3 , (2p 7)(p  3)  0 2 2 2 after 3 year, as principal becomes 5 10 9, 14 12, 18 15 7 Or, P = , 3 times 59. (5) The series is 2  1, 2 SI for last 3 year becomes 3  1, 4  1, 5  1, 6  1 II. 2 2q 16q  11q  88  0 = 294 5  1470 60. (3) The series is 12  1, (2q 11)(q  8)  0  SI for 6 years 22  1,32  1,42  1,52  1, 11 1470  294  1764 Or,q = 8,  2 52. (1) No of diagonals of a polygon having 61. (1) 15876 126 62. (4) Due to 22 mark excess, the average Hence p > q n sides = nc  n 2 get increased by half. 49. (3) I. p2  8p  65  0 for a polygon having 9 sides= 27 53. (3) relative speed of trains when running 22   44 Or, p(p 13)  5(p  13)  0 140 120 1  in same direction =  20 m/  No of students   13 2  Or, (p 5)(p  13)  0 s when running in opposite direction, 63. (5) Total distance travelled = (10+8) = Or,p = 5, 3 140 120 18 km relative speed   52 m/s 5 Total time taken II. q 841 speed of faster trainkmps 10 8  164 41 52 20 18      hours q  29   129.6 k m p s 8 10  80 20 2 5 20 Hence p < q 54. (2) Area of 4 walls of the roomm2 18   8.78  8.8kmph 41 4536 2 Area of 4 walls   216 m2 64. (3) in 4 weeks, regular working 50. (1) I. 5p 17p  14  0 21 hour 6  8  4  192 hour Or, 5p(p 2)  7(p  2)  0 55. (2)  income for 192 regular Or, (p 2)(5p  7)  0 A 20days  L.C.M. 60unit hour 192  24  4608 A B  15days 7   over time hourhour Or,p = 2, 5 A does 3 unit 5184 4608 while A+B does 4 unit  18hour II. 8q2  3q  5  0 32

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 Total working hour Population of Christians in Egypt = 10 lakh 409  Reqd% = 100  68.16% 192  18  210 hour  Reqd % = 600 65. (4) 32.5 100 77-3 : The marks scrored by Raju in A B  18days % 325% Physics = L.C.M. 90unit 10 75 0.68  51 A 30days The marks scored by Raju in Hindi 72-4 : Muslim Population of Brazil 2 = AB  5 unit years ago 100 0.77  77  Reqd% A  3 unit 100 100 20    31.25 lakh 2 unit in one day 51 B  80 80 = 100  66.22  66% in half a day B will do 1 unit Population of Christians 2 years 77  They will complete the work ago 78-2 : Average marks of all students in 90 1 100 100 Biology in   22 day 27.5    110 lakh 3 1 2 50 50 1 75 0.42  0.84  0.78  0.60  0.54  66-3 : From I. We get : Population of Hindu’s 2 years ago 5 Ratio of Jagadish’s share to Jay’s = 3 : 2 From II. We get : 100 100 1 238.5 32.5    130 lakh 75  3.18   47.7 Ratio of Jagadish’s share to Jay’s = 50 50   3 : 2 5 5 Total Population of Brazil 2 years 79-1 : Total marks obtained by Anil in 1 1 1 ago Chemistry, Hindi and Maths   67-4 : From I. x y 8 = 50 × 0.32 + 100 × 0.49 + 200 × 0.67 = 31.25  110  130  271.25 16 + 49 + 134 = 199 Total marks obtained by lakh 1 1 1 Nitish in Chemistry, Hindi and From II.   73-3 : Population of Muslims = 20 + 27.5 Maths y z 12 + 32.5 + 20 + 15 + 20 = 135 lakh = 50 × 0.44 + 100 × 0.68 + 200 × 0.66 = Population of Christrians = 30 + 25 22 + 68 + 132 = 222 5 + 20 + 25 + 10 + 27.5 = 137.5 lakh in 1 day = work XYZ2  24 Population of Hindus = 25 + 20 + Difference 222  199  23 27.5 + 10 + 27.5 + 32.5 = 142.5lakh There are three variable but two 80-4 : Total marks of scored by Nilu in Hence, Population of Hindu equations, all subjects together religion is the maximum. Hence we can’t find individual = 200 × 0.63 + 75 × 0.78 + 100 × 0.56 + 74-5 : Population in Japan = 75 lakh time 100 × 0.89 + 75 × 0.62 + 50 × 0.74 Population in China = 72.5 lakh 68-1 : From I : As amount doubles in 10 = 126 + 58.8 + 56 + 89 + 46.5 + 37 = Population in India = 80 lakh year, that means of principal is 413 Population in USA = 55 lakh 100% 81-1 : Reqd Ratio Population in Egypt = 52.5 lakh SI also 100% Population in Brazil = 80 lakh 44000: 2200  20:1 Hence, India and Brazil have 82-2 : Number of CSE students in Pune 100 = 5000 in 1 year , SI = 10% maximum population. 10 Number of ECE students in Population Chennai = 14000 From II : Principal in unknown,  show we can’t find rate%. 75-4 : Density Land( in km )2 Reqd% = 69-5 : From I and II we get 14000 5000 Using this formula, we will find ; 100  64.28% 5x  4 17 in USA, the population density is 14000  x  6 the maximum. x  4 5 76-3 : Total marks obtained by Ajay = 83-5 : Number of students in CSE = 58000 Number of students in IT = 53000 70-5 : x y  6 200 × 0.72 + 75 × 0.60 + 100 × 0.46 + 0.92 × 100 + 75 × 0.72 + 50 × 0.56 = Number of students in ECE = 62000 and x 2 y 144 + 45 + 46 + 92 + 54 + 28 = 409 Number of students in EEE = 37000 In EEE the number of students is 71-4 : Population of Muslims in India = the minimum. 32.5 lakh

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84-3 : Number of faculty members in Step-III : xenon person magical 19 analytical Argument III does not seem strong as 8 48 25 objective pattern 59 79 88 it is erroneous to assume that the BBSR 10000   800 Step-IV : xenon person magical pattern 19 Government does not have the 100 analytical 25 objective 48 59 79 88 Number of ECE students in Goa = machinery to put such a restriction on Step-V : xenon person magical pattern 6000 the use of electricity. objective 19 analytical 25 48 59 79 88 Reqd% 127. (b) Only argument III is strong. In order Step-VI : xenon person magical pattern to avoid fast spreading of the 800 100 objective analytical 19 25 48 59 79 88 = 13.33% contagious viral infection only this 6000 91-b 92-c 93-d 94-a measure is not adequate. 85-2 : By calculating, will find out the 95-c 96. (d) 97. (c) 98. (d) number of students per faculty 99. (c) 100. (a) 128. (e) Only argument III is strong. It is advisable to ban the exports of food member is maximum in BBSR (101-105) : (86-90) : grains to face the unprecedented Company P, produces total 800 draught situation in the country. The items. Company Q, produces term “no other way” in argument I 5 makes it invalid. 800  1000 items 129. (e) The term ‘only’ in the argument I 4 makes it invalid. Arguments II and III P likely to be strong.

TV Mobiles Web cams CDs 130. (a) Only argument I looks like strong. 100 270 270 160 It will save one year of student. 131. (d) 132. (a) 133. (e) 134. (c) Q 135. (c) 136. (c) 137. (a) 138. (e) TV Mobiles Web CDs 139. (d) 140. (b) 141. (b) 142. (d) cams (+) A  B(-) 143. (c) 144. (a) 145. (c) 146. (d) 240 160 200 400 F(-)  (+)H C(+) 147. (a) 148. (b) 149. (a) 150. (c) E(+) - D(-) - G(-) 86-5 : Required ratio = 270 : 240 = 9 : 8 151. (d) 152. (c) 153. (d) 154. (a) 101.(c) 102.(a) 103.(a) 104.(d) 155. (c) 156. (a) 157. (d) 158. (c) 87-2 105.(d) 106. (a) 107. (b) 108. (c) 159. (b) 160. (d) 161. (e) 162. (b) 109. (e) 110. (e) 111. (b) 112. (d) 163. (c) 164. (d) 165. (e) 166. (b) 270 113. (a) 114. (b) 115. (e) 167. (c) 168. (c) 169. (c) 170. (a) 88-5 : Required % = 100  27% 116-120) : 1000 171. (a) 172. (b) 173. (c) 174. (d) Institute Teachers 175. (b) 176. (d) 177. (c) 178. (b) 89-1 A V(English), P (Biology) 179. (d) 180. (a) 181. (d) 182. (e) B U (Chemistry) 90-2 183. (c) 184. (b) 185. (b) 186. (e) C Q (Hindi), R (Maths) (91-95) : The words are rearranged in D S (History), T (Physics) 187. (e) 188. (b) 189. (d) 190. (c) increasing order of their length and in case 191. (b) 192. (a) 193. (d) 194. (c) of a tie, they are arranged according to the 116-b 117-a 118-a 119-e 195. (a) 196. (c) 197. (c) 198. (b) dictionary, from left to right. Numbers are 120-e 121. (b) 122. (a) 123. (e) 199. (a) 200. (a) rearranged in descending order from right to 124. (d) 125. (b) left. Each step arranges a word and a number. 126. (c) Saving electricity is required to cope Input: 19 analytical 48 person 88 xenon 25 up with the inadequate generation of magical 79 59 objective pattern.  electricity. So, the argument I is strong. Step-I : xenon 19 analytical 48 person 25 Argument II also seems to be strong as magical 79 59 objective pattern 88 every citizen pays for every unit of Step-II : xenon person 19 analytical 48 25 magical 59 objective pattern 79 88 electricity he/she consumes.

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WHO’S WHO

Heads of Important Offices in India 35. Vice-Admiral Anurag G. Thapliyal : Director-General, Indian Coast Guard 1. Mr. Narendra Modi : Chairman, National Institution for 36. Lt. Gen. Avtar Singh : Director-General, Defence Intelligence Transforming India (Niti Aayog) Agency 2. Mrs. Sumitra Mahajan : Speaker, Lok Sabha 37. Prof. Ved Prakash : Chairman, UGC 3. Mohammad Hamid Ansari : Chairman, Rajya Sabha 38. Dr. Avinash Chander : Scientific Adviser to Defence Minister 4. Mr. P. J. Kurien : Deputy Chairman, Rajya Sabha and Secretary, Defence Research and Development 5. Mr. Arun Jaitley : Leader of House (Rajya Sabha) Organisation. (DRDO) 6. Mr. Ghulam Nabi Azad : Leader of Opposition (Rajya Sabha) 39. Dr. R. Chidambaram : Principal Scientific Adviser to the 7. Mr. Arvind Panagariya : Vice-Chairman, National Institution Government for Transforming India (Niti Aayog) 40. Mr. A. S. Kiran Kumar : Chairman, Space Commission and 8. Syed Nasim Zaidi : Chief Election Commissioner ISRO 9. Achal Kumar Gyoti : Election Commissioner 41. Mr. Ratan Kumar Sinha : Chairman, Atomic Energy 10. Mr. Shashi Kant Sharma : Comptroller and Auditor-General Commission and Secretary, Dept. of Atomic Energy of India 42. Mr. Naseem Ahmad : Chairperson, National Commission for 11. Mr. Justice K. G. Balakrishnan : Chairperson, National Minorities Human Right Commission (NHRC) 43. Mr. Amitava Bhattacharya : Chairman, Staff Selection 12. Mr. Ajit Kumar Seth : Cabinet Secretary Commission (SSC) 13. Mr. Nripendra Misra : Principal Secretary to Prime Minister 44. Dr. Vishwa Mohan Katoch : Director-General, Indian Council 14. Justice V. Eshwaraiah : Chairman, National Commission for of Medical Research Backward Classes 45. Mr. C. Chandramouli : Registrar-General of India and Census 15. Ms. Shanta Sinha : Chairperson, National Commission for Commissioner Protection of Child Rights (NCPCR) 46. Justice Ajit Prakash Shah : Chairman, Law Commission 16. Dr. P. L. Punia : Chairman, National Commission for Scheduled 47. Dr. B. N. Suresh : President, Indian National Academy of Castes Engineering (INAE) 17. Dr.Rameshwar Oraon : Chairman, National Commission for 48. Mr. Justice (Retd.) B. N. Kirpal : Chairman, National Forest Scheduled Tribes (NCST) Commission 18. Mr. Deepak Gupta : Chairman, Union Public Service 49. Mr. T. Nanda Kumar : Chairperson, National Dairy Commission (UPSC) Development Board (NDDB) 19. Dr. M. S. Swaminathan : Chairman, National Commission on 50. Lt. General AT Parnaik : Director-General, Border Roads Farmers (NCF) Organisation 20. Mr. Ajit Kumar Doval : National Security Adviser and Special 51. Dr. Raghuram Rajan : Governor, RBI Adviser to PM (Internal Security) 52. Justice Mr. Chandramauli Kumar Prasad : Chairman, Press 21. Mr. Sharad Kumar : Director-General, National Investigation Council of India Agency (NIA) 53. Mr. Amit Mathew : Chairman, Audit Bureau of Circulations 22. Mr. A. K. Mital : Chairman, Railway Board (ABC) 23. Mr. Shumsher K. Sheriff : Secretary-General, Rajya Sabha 54. Mr. Anita Kapur : Chairman, Central Board of Direct Taxes 24. Mr. T. K. Viswanathan : Secretary-General, Lok Sabha (CBDT) 25. Mr. Dineshwar Sharma: Director, Intelligence Bureau (IB) 55. Shri Najib Shah : Chairman, Central Board of Excise and 26. Mr. Anil Kumar Sinha : Director, Central Bureau of Customs Investigation (CBI) 56. Mr. Ashok Chawla : Competition Commission of India 27. Mr. Rajinder Khanna: Director, Research and Analysis Wing 57. Justice Syed Rafat Alam : Chairman, Central Administrative (RAW) Tribunal 28. Mr. Jayanto Narayan Choudhury : Director-General, 58. Mr. K.M. Singh : CMD, National Hydroelectric Power National Security Guard (NSG) Corporation (NHPC) 29. Mr. R.C. Tayal : Director-General, CRPF 59. Mr. Dinesh Kumar Sharma : CMD, Oil and Natural Gas 30. Mr. Devendra Kumar Pathak : Director-General, Border Corporation (ONGC) Security Force (BSF) 60. Mr. B. C. Tripathi : CMD, GAIL 31. Mr. Arvind Ranjan : Director-General, Central Industrial 61. Mr. B. Ashok : Chairman, IOC Security Force (CISF) 62. Mr. U.P. Singh : CMD, Oil India Ltd 32. Mr. Rajiv Ranjan Verma : Director-General, Railway 63. Mr. Vineet Joshi : Chairperson, Central Board of Secondary Protection Force. (RPF) Education (CBSE) 33. Mr. Krishna Choudhury : Director-General, Indo-Tibetan 64. Mr. U. K. Sinha : Chairman, Securities and Exchange Board Border Police (ITBP) of India (SEBI) 34. Mr. B. D. Sharma : Director-General, Sashastra Seema Bal 65. Dr. Harsh Kumar Bhanwala : Chairman, National Bank for Agriculture and Rural Development (NABARD)

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66. Smt. Arundhati Bhattacharya : Chairman, SBI 11. Ramvilas Paswan: Consumer Affairs, Food and Public 67. Mr. M. S. Raghavan : Chairman, IDBI Distribution 68. Justice Dilip Raosaheb Deshmukh : Chairman, Company 12. Kalraj Mishra: Micro, Small and Medium Enterprises Law Board 13. Maneka Sanjay Gandhi: Women and Child Development 69. Mr. Ashok Kumar Mukherjee : India’s Permanent 14. Ananthkumar: Chemicals and Fertilizers Representative to UN 15. Ravi Shankar Prasad: Communications and Information 70. Mr. S. K. Roy : Chairman, Life Insurance Corporation of India Technology (LIC) 16. Jagat Prakash Nadda: Health and Family Welfare 71. Mr. Ashwin Pandya : Chairman, Central Water Commission 17. Ashok Gajapathi Raju Pusapati: Civil Aviation 72. Ms. Lalitha Kumarmangalam : Chairperson, National 18. Anant Geete: Heavy Industries and Public Enterprises Commission for Women 19. Harsimrat Kaur Badal: Food Processing Industries 73. Dr. Y. V. Reddy: Chairman, 14th Finance Commission 20. Narendra Singh Tomar: Mines, Steel 74. Dr. Pronob Sen : Chairman, National Statistical Commission 21. Chaudhary Birender Singh: Rural Development, Panchayati Raj, 75. Mr. Pahlaj Nihalani : Chairperson, Central Board of Film Drinking Water and Sanitation Certification (CBFC) 22. Jual Oram: Tribal Affairs 76. Dr. Rakesh Tewari : Director-General, Archaeological Survey 23. Radha Mohan Singh: Agriculture of India (ASI) 24. Thaawar Chand Gehlot: Social Justice and Empowerment 77. Dr. Jyotsna Suri : President, Federation of Indian Chambers 25. Smriti Zubin Irani: Human Resource Development of Commerce and Industry (FICCI) 26. Harsh Vardhan: Science and Technology Earth Sciences 78. Mr. R.S. Sharma : Chairman, Telecom Regulatory Authority Ministers of State of India (TRAI) 79. Dr. Rajan Katoch : Director, Enforcement Directorate 27. General VK Singh: Statistics and Programme Implementation 80. Mr. R. V. Verma : Chairman, Pension Fund Regulatory and (Independent Charge), External Affairs, Overseas Indian Development Authority (PFRDA) Affairs 81. Dr. Sekhar Basu : Director, Bhabha Atomic Research Centre 28. Rao Inderjit Singh: Planning (Independent Charge), Defence 82. Mr. N. Ramachandran : President, Indian Olympic Association 29. Santosh Kumar Gangwar: Textiles (Independent Charge) 83. Prof. B.K.Tripathi : Acting Director, National Council of 30. Bandaru Dattatreya: Labour and Employment (Independent Educational Research and Training (NCERT) Charge) 84. Mr. Sumit Majumdar : President, Confederation of Indian 31. Rajiv Pratap Rudy: Skill Development and Entrepreneurship Industry (CII) (Independent Charge), Parliamentary Affairs 85. Dr. A. Surya Prakash : Chairman, Prasar Bharti Board 32. Shripad Yesso Naik: AAYUSH (Independent Charge) 86. Mr. Ratan Tata : Chairman, Investment Commission Health and Family Welfare 87. Mr. Jagmohan Dalmiya : President, Board of Control for 33. Dharmendra Pradhan: Petroleum and Natural Gas (Independent Cricket in India (BCCI) Charge) 88. Mr. B.V.R. Mohan : Chairman, NASSCOM 34. Sarbananda Sonowal: Youth Affairs and Sports (Independent 89. Mr. Ramesh Sippy : Chairman, National Film Development Charge) Corporation (NFDC) 35. Prakash Javadekar: Environment, Forest and Climate Change 90. Mr. Ravindra Kumar: Chairman, United News of India (Independent Charge) 91. Mr. Mahendra Mohan Gupta : Chairman, PTI 36. Piyush Goyal: Power (Independent Charge), Coal (Independent 92. Mr. Kiran B. Vadodaria : President, Indian Newspaper Society Charge), New and Renewable Energy (Independent Charge) (INS) 37. Dr. Jitendra Singh: Development of North Eastern Region 93. Mr. Rana Kapoor : President, The Associated Chambers of (Independent Charge), Prime Minister’s Office Personnel, Commerce and Industry of India (ASSOCHAM) Public Grievances and Pensions Department of Atomic Energy Cabinet Ministers Department of Space 38. Nirmala Sitharaman: Commerce and Industry (Independent 1. Rajnath Singh: Home Affairs Charge) 2. Sushma Swaraj: External Affairs, Overseas Indian Affairs 39. Dr. Mahesh Sharma: Culture (Independent Charge), Tourism 3. Arun Jaitley: Finance, Corporate Affairs, Information and (Independent Charge), Civil Aviation Broadcasting 40. Mukhtar Abbas Naqvi: Minority Affairs, Parliamentary Affairs 4. M Venkaiah Naidu; Urban Development, Housing and Urban 41. Ram Kripal Yadav: Drinking Water and Sanitation Poverty Alleviation, Parliamentary Affairs 42. Haribhai Parthibhai Chaudhary: Home Affairs 5. Nitin Jairam Gadkari: Road Transport and Highways, Shipping 43.Sanwar Lal Jat: Water Resources, River Development and Ganga 6. Manohar Parrikar: Defence Rejuvenation 7. Suresh Prabhu: Railways 44. Mohanbhai Kalyanjibhai Kundariya: Agriculture 8. DV Sadananda Gowda: Law and Justice 45. Giriraj Singh: Micro, Small and Medium Enterprises 9. Sushri Uma Bharati: Water Resources, River Development and 46. Hansraj Gangaram Ahir: Chemicals and Fertilizers Ganga Rejuvenation 47. GM Siddeshwara: Heavy Industries and Public Enterprises 10. Dr Najma A Heptulla: Minority Affairs 48. Manoj Sinha: Railways

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ONE LINER 1. Indian Prime Minister Narendra Modi on 17 August 2015 visited which city of UAE which is world’s first zero-carbon and car-free smart city? – Masdar 2. Which South-East Asian capital on 17 August 2015 witnessed a huge explosion resulting in the death of over 20 people and over 100 injured? – Bangkok 3. Which entity has been mandated as the lead promoter of National Agriculture Market (NAM), the national e-market for agriculture commodities, as announced by the Department of Agriculture and Cooperation (DAC) recently? – Small Farmers’ Agri Business Consortium (SFAC) 4. Which Indian airline during August 2015 signed a huge $26.55 billion order for purchasing 250 aircrafts from Europe’s Airbus company, which is the largest ever order (by volume) for Airbus? – IndiGo 5. Which Indian golfer created history on 16 August 2015 by becoming the first from the country to finish inside the top-five of a Major golf tournament? – Anirban Lahiri 6. Which State led in employment generation in manufacturing sector in the country in 2012-13, according to an analysis done by the Associated Chambers of Commerce and Industry of India (ASSOCHAM)? – Tamil Nadu 7. Prime Minister Narendra Modi announced a new campaign “Start-up India, Stand up India” during his Independence Day Address on the occasion of India’s 69th Independence Day on 15 August 2015. “Start-up India, Stand up India” is associated with which issue? – Promoting banks to finance start-ups and offer incentives to boost entrepreneurship and job creation 8. What will be the new name of the Agriculture Ministry as proposed by the Prime Minister Narendra Modi in his Independence Day address to the nation on 15 August 2015? – ‘Agriculture and Farmers’ Welfare Ministry’ 9. What is the name of the 7-pronged strategy announced by the Union Finance Ministry on 14 August 2015 that aims for comprehensive revamp of public sector banks of the country? – “Indradhanush” 10. The Reserve Bank of India (RBI) on 13 August 2015 paid a dividend of nearly Rs. 66,000 crore to the government. This was the highest ever dividend paid by the RBI in its 80-year history. What are the main sources of RBI’s income? – Interest from Repo operations, coupon payments for holding govt. securities and interest incomes on its holdings of sovereign bonds 11. The Insurance Regulatory and Development Authority of India (IRDA) on 13 August 2015 announced what important policy change for Indian banks? – It allowed banks to tie up with up to 9 insurance companies under the policy of open architecture Bancassurance policy 12. O.P. Munjal, who passed away on 13 August 2015, was the founder and Chairman of which noted business house? – Hero Cycles 13. The appointment of Arun P Sathe, elder brother of Lok Sabha Speaker Sumitra Mahajan, recently came into controversy after his appointment as the member of which entity? – SEBI 14. China’s currency Yuan’s value was devalued to its lowest rate against the US dollar in almost three years by China’s central bank on 11 August 2015. A day later China further lowered its “daily fix” of the Yuan. What is the primary objective of this depreciation? – To make Yuan’s exchange rate more market-oriented and make Chinese exports cheaper 15. What step was taken by the Reserve Bank of India (RBI) after Rupee’s value slid to almost 23-month low on 12 August 2015? – It intervened by selling US dollars through PSU banks 16. The Indian Space Research Organisation (ISRO) fully commissioned and started commercial production of its indigenous titanium sponge plant on 10 August 2015. With the commissioning of this plant, India has become the seventh country in the world producing titanium sponge commercially. This titanium sponge is situated at which place? – Chavara (Kerala) 17. According to the information disclosed in a South Korean media report, North Korea’s vice premier was executed by firing squad this year. He was apparently executed for showing discontent with the policies of the country’s leader Kim Jong Un. What was the name of this North Korean vice premier? – Choe Yong Gon 18. State Bank of India’s net profits for the first quarter of 2015-16 was announced on 11 August 2015. How much was it? – Rs. 3,692 crore 19. On 11 August 2015, Indian Govt. signed a $ 308.40 million finance agreement with the World Bank for National Cyclone Risk Mitigation Project-II (NCRMP-II). NCRMP-II is associated with reducing vulnerability to cyclone and other hydro-meteorological hazards of coastal communities in which six states of the country? – Goa, Gujarat, Karnataka, Kerala, Maharashtra and West Bengal 20. Technology behemoth Google announced a huge reorganization of the company on 10 August 2015 under which the company will be brought under a new holding company. This holding company will act as an umbrella organization for all businesses of Google also include Google as its fully owned subsidiary. What will be the name of the newly formed holding company? – Alphabet 21. Who will head Google as its CEO after Google will be brought under a holding company with other numerous companies, as announced on 10 August 2015? – Sundar Pichai 22. What is the name of the mobile app launched by Union Telecom minister Ravi Shankar Prasad in Bodh Gaya (Bihar) on 9 August 2015 which facilitates easy learning of computers and Internet? – “Disha” 23. In an important development in Nepal, country’s four major parties reached a landmark agreement on the contentious issues of federalism under the new constitution. According to the reached agreement, the country will be divided into how many provinces? – Six 24. What is the name of the new initiative launched by the Union Environment Ministry on 10 August 2015 to bring students closer to nature, by involving them in raising of saplings in nurseries created in schools? – “School Nursery Yojana”

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25. According to the latest report of the Right to Education (RTE) Forum, approximately how many primary schools across the country are managed by single teachers for all the classes? – Over 98,000 26. Chinese smartphone company Xiaomi on 10 August 2015 announced its first manufacturing unit in India at Andhra Pradesh. Xiaomi’s first-ever “Made in India” smartphone “Redmi 2 Prime” was also launched on this occasion that included Andhra Chief Minister N. Chandrababu Naidu. This plant is established at which place in AP? – Sri City 27. What important trend pertaining to Indian industrial scenario was reflected in a latest survey by the Confederation of Indian Industry’s Associations’ Council (CII ASCON) that was released on 8 August 2015? – Indian economy is witnessing some early signs of survival 28. Singapore observed which anniversary of its independence on 9 August 2015 with holding of numerous events across the country to mark the special occasion? – 50th anniversary 29. Year-long birth centenary of which famous Hindi writer, playwright and actor was initiated on 8 August 2015? – Bhisham Sahni 30. In view of the forthcoming festival of Raksha Bandhan, a special enrolment drive is being launched by participating banks and insurance companies in the months of August-September for enrolling bank account holders in Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). What is the name given to this special drive? – “Suraksha Bandhan” 31. Global electronic manufacturing giant Foxconn, known for manufacturing iPhones for Apple Inc., on 8 August 2015 signed agreement with which state government for investing over US$ 5 billion over the next five years? – Maharashtra 32. Thomas Cook (India) Limited on 8 August 2015 announced acquiring Kuoni Group’s travel businesses in India and Hong Kong for Rs. 535 crore. The deal includes outbound travel brand SOTC and destination management brand SITA. Which India-born entrepreneur backs Thomas Cook (India) Ltd.? – Prem Watsa 33. Which mutual fund house acquired the asset management business of Deutsche Bank in India as announced on 7 August 2015? – Pramerica 34. Which Indian-American diplomat was recently confirmed as the U.S. Ambassador to Sri Lanka and Maldives and thus became the second Indian-origin diplomat to be posted to the South Asian region after Richard Rahul Verma? – Atul Keshap 35. What watershed event in the 64-year old history of India’s biggest pension fund – the Employees Provident Fund Organisation (EPFO) took place during August 2015? – For the first time, EPFO started investing in equities as an asset class 36. Through which mutual fund the newly initiated investment of EPFO has been done initially in equities? – SBI Mutual Fund 37. The NITI Aayog has started an initiative to engage the states of the Indian Union on six important issues pertaining to governance and finance. This includes the initiative to prune their administrative structure to improve their efficiency and governance. What is the name given to this ambitious initiative? – NIYATAM 38. Which city topped in the Swachh Bharat Rankings of 476 cities in India, in a survey conducted during 2014-15 by the Ministry of Urban Development, results of which were disclosed on 8 August 2015? – Mysuru (Mysore) 39. Who were appointed as the new Governors of Bihar and Himachal Pradesh as announced on 8 August 2015? – Ram Nath Kovind (Bihar) and Acharya Dev Vrat (Himachal Pradesh) 40. What is the name of the name of the cyclonic typhoon that hit Taiwan and entered Mainland China on 8 August 2015? – Typhoon Soudelor 41. What is the total forest cover in India as per the recently released India State of Forest Report-2013? – 21.23% 42. In its note pertaining to Prime Minister Narendra Modi’s forthcoming Independence Day address to the nation, the Ministry of Information and Broadcasting (MIB) has sent a note about the proposed emergency response system (ERS) being established on the lines of the ‘911’ system of the United States. Announcement of this system is expected to find prominent place in PM’s state address. What is the number of this proposed ERS? – “112” 43. North Korean government on 7 August 2015 announced that it will establish its own time zone from 15 August by pulling back its current standard time by 30 minutes. Currently, local time in both Koreas and Japan are same and was set when the then single Korea was under Japanese colonial rule from 1910 to 1945. What was the reason given by the government for this change? – To root out the legacy of the Japanese colonial occupation period 44. A research group at which Indian Institute of Technology (IIT) of the country recently established country’s first pilot test-bed to use unused TV spectrum to provide broadband Internet connectivity? – IIT Bombay (IITB) 45. What major decision was taken by the Union Cabinet to improve the financial position of state-run Bharat Sanchar Nigam Limited (BSNL) on 5 August 2015? – It gave its ‘in-principle’ approval for hiving off BSNL’s tower assets into a separate company 46. The discovery that dopamine, which is known as a happy hormone, can also kill cancer tumours, has put two Kolkata-born scientists on the verge of one of the most significant medical discoveries ever. What are the names of these scientists, whose pertaining research on mice have been successful? – Partha Dasgupta and Sujit Basu 47. Which anniversary of the dropping of first atomic bomb on the Japanese city of Hiroshima is being observed on 6 August 2015? – 70th 48. In a bizarre accident involving two trains of the Indian Railway, at least 29 passengers were killed and over 300 injured when two trains were derailed over a railway bridge in Harda district of Madhya Pradesh in the night of 4 August 2015. These trains derailed on the bridge over the swollen Machal River. Which trains were involved in this accident? – Kamayani Express (Between Mumbai and Varanasi) and Janata Express (between Rajendra Nagar and Mumbai) 49. India’s biggest telescope – Multi-Application Solar Telescope (MAST) was inaugurated on 4 August 2015. MAST would help in the study of movements of stars and sun even in day time. It has been installed at which place? – Udaipur (Rajasthan)

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 87 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

50. Which renowned temple of the country came to news recently for opening up a Demat account to accept donations from devotees in the form of shares and securities? – Tirumala Venkateshwara Temple or Tirupati Balaji Temple (Andhra Pradesh) 51. What is the name of the science and innovation museum opened in the Rashtrapati Bhavan campus, which was inaugurated by President Pranab Mukherjee on 4 August 2015? – “Navachara Kaksh” 52. What is the name of the new crossover vehicle launched by Maruti Suzuki on 5 August 2015? – “S-Cross” 53. Which Indian police force is slated to be the first in the country to introduce Taser guns and other non-lethal arms that will allow them to work without endangering lives? – Delhi Police 54. What is the name of the 13-day culture & cuisine festival that was inaugurated on 3 August 2015 in New Delhi, being organized as a part of Independence Day celebrations? – “Bharat Parv” 55. The sports of “Flying Disc” (“Frisbee”) recently came to news. Why? – Sports based on flying disc have been given official recognition by the International Olympic Committee (IOC) 56. According to film trade data disclosed on 3 August 2015, S.S. Rajamouli’s magnum opus movie “Baahubali”, that hit thousands of screens on 10 July 2015 in three languages, has raced past the Rs. 500-crore mark. It thus became the first south Indian movie to achieve this feat. Which two Hindi movies have grossed over Rs. 500 crore, as disclosed in film trade data? – “Dhoom 3” (2013) and “PK” (2014) 57. Union Govt. on 3 August 2015 stepped back from the controversy surrounding the draft Indian Financial Code (IFC) as it disowned the draft. It was disowned as the government felt that do not reflect the government’s views. What is the main controversy associated with this draft? – It seeks to dilute the RBI’s powers to regulate the foreign exchange and government bond markets and set monetary policy 58. India’s oldest mutual fund house – UTI Mutual Fund recently achieved what major milestone pertaining to its mutual fund assets? – Its asset base crossed the one lakh crore rupees mark recently 59. In what is seen as a first step towards greater engagement with the region, India will host the heads of 14 island nations at the Forum for India-Pacific Islands Cooperation (FIPIC) on 21 August 2015. This important event will be hosted at which city as reported on 3 August 2015? – Jaipur (Rajasthan) 60. The newest and the 18th Indian Institute of Technology (IIT) of the country was opened on 3 August 2015 with a total of 117 students. This IIT is in which city? – Palakkad (Kerala) 61. Which country on 1 August 2015 became the first-ever non-European member of the European Organisation for Nuclear Research, better known as CERN? – Pakistan 62. Which country became the latest and the 206th member of the Olympic family after the International Olympic Committee (IOC) approved its inclusion? – South Sudan 63. What is the name of the cyclone that resulted in heavy rains in West Bengal, Manipur, Odisha and other Eastern states of the country on 1-2 August 2015? – Cyclone “Komen” 64. The new simplified “Guidelines Governing Adoption of Children 2015” notified by the Central Government on 17th July 2015 came into effect from 1 August 2015. What is the name of the fully revamped IT application for the purpose of adoption of children, that was also pressed into operation from the same day? – CARINGS (Child Adoption Resource Information & Guidance System) 65. Which naval harbour on 1 August 2015 became the first in the country to get the Integrated Underwater Harbour Defence and Surveillance System (IUHDSS), an automated system capable of detecting, identifying, tracking and generating warning for surface and underwater threats? – Kochi (Kerala) 66. Data from the 68th round of the National Sample Survey (NSS) on fuel used for cooking and lighting was released recently. According to this data, what percentage of rural population in the country still used firewood for cooking in 2011-12? – 67.3% 67. Which state had the highest use of LPG among rural households during 2011-12, as disclosed in the recently released data from the 68th round of the National Sample Survey (NSS) on fuel used for cooking and lighting? – Tamil Nadu 68. In a landmark development, India and Bangladesh at one minute after midnight of 1 August 2015 started the process of swapping border enclaves to settle the stateless people. These people were stranded for over six decades along the poorly defined border between the two countries. In this historic event, the two countries transferred exactly how many such enclaves? – 162 69. Union Govt. has earmarked how much fund for country’s public sector banks (PSBs) over a period of four years as announced by the Finance Ministry on 1 August 2015? – Rs. 70,000 crore 70. By notifying the policy on 31 July 2015, which state became the first in India to adopt a unique “Witness Protection Programme” so as to ensure protection of an eyewitness in crucial cases? – Delhi 71. Two Arab countries recently proposed to work together to create a joint Arab military force with the objective of ensuring stability in the region. Which countries are these? – Egypt and Saudi Arabia 72. Who was elected as the new Chairman of the Life Insurance Council, the apex industry body of insurers in India, on 1 August 2015? – S K Roy, Chairman LIC 73. Which city became the first city in Olympic history to be awarded both summer and winter Games after it was awarded the hosting of the 2022 Winter Olympics on 31 July 2015? – Beijing 74. Which multi-national bank is to acquire Indian retail brokerage firm Sharekhan Limited as announced on 30 July 2015? – BNP Paribas SA 75. Which entity on 30 July 2015 acquired the title sponsorship rights for India’s domestic and international cricket matches at home from the BCCI for a period of four years? – Paytm

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 88 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

76. General Motors (GM) recently announced plans to invest $1 billion in India by 2020. These investments will be made in company’s Talegaon plant in Maharashtra, where it will expand the production capacity from 1,30,000 to 2,20,000 units per year by 2025. On the other hand GM will close it’s first-ever plant in India which has been going through losses. This first plant is located at which place? – Halol (Gujarat) 77. What is the name of the mobile banking app of Kotak Mahindra Bank (KMB), which was launched during July 2015 primarily for “un-banked” regions? – “Kotak Bharat” 78. Which automobile group replaced Japanese auto giant Toyota to emerge as the world’s largest-selling vehicle maker in the first half of 2015? – Volkswagen (Germany) 79. Afghan Taliban on 30 July 2015 confirmed the death of their leader Mullah Mohammad Omar. Who was announced as the new leader of the Taliban? – Mullah Akhtar Mansoor 80. Sir Peter O’Sullevan who passed away during July 2015 at the age of 97, was an iconic British commentator associated with which sport? – Horse Racing 81. Who are the two Indians who were among the five winners of Asia’s coveted Ramon Magsaysay Award that were announced on 29 July 2015? – Sanjeev Chaturvedi and Anshu Gupta 82. What is the name of the latest edition of Microsoft’s Windows operating system that was launched worldwide on 29 July 2015? – Windows 10 83. India’s capital market regulator SEBI cancelled the registration of which mutual fund operator on 28 July 2015 saying it was no longer ‘fit and proper’ to carry out this business? – Sahara Mutual Fund 84. Former South Africa cricket captain Clive Rice passed away on 28 July 2015 at the age of 66. He was known for which historic moment in South African cricket history? – South Africa made its historic comeback to international cricket in 1991 under his captaincy 85. What is the name of the Indian woman sprinter who came to news after she was cleared by the Lausanne (Switzerland)-based Court of Arbitration for Sport (CAS) to compete in national and international events following a landmark gender case? – Dutee Chand 86. A temple trust in Nepal associated with the world’s biggest animal sacrifice event held every five years made a historic announcement on 28 July 2015 to ban the practice of animal sacrifice in this festival. This announcement has gone down well with animal lovers worldwide with lives of millions of animals expected to be saved. What is the name of this festival? – “Gadhimai Festival” 87. What is the name of former Libyan dictator Muammar Gaddafi’s son who was sentenced to death with 8 other associates by a Libyan court on 28 July 2015? – Saif al-Islam 88. In a major development in Nepal, country’s political parties during July 2015 agreed to remove the word “secularism” from the new constitution. The political parties were forced to take a U-turn after millions of people, in their suggestions and feedback on the new constitution, called for the removal of the word “secularism”. When this word was added to country’s constitution? – 2007 89. Maharashtra’s first Indian Institute of Management (IIM) was inaugurated during July 2015. This IIM is situated at which place? – Nagpur 90. Who was appointed as the new Chairman of Telecom Regulatory Authority of India (TRAI) by the Union Govt. on 27 July 2015? – R. S. Sharma 91. The name “Amorphophallus Titanum” came to news recently. Why? – It is the name of one of the world’s largest flowers that bloomed for the first time in five years in Japan recently 92. Which Indian gold jewellery entity came to news recently for acquiring world’s largest precious metals refining company – Valcambi? – Rajesh Exports Limited 93. Which city is poised to become the first in India to start online police verification for passport as announced during July 2015? – Bengaluru 94. A.P.J. Abdul Kalam, the 11th President of India and a pioneer of the country’s space and missile programmes, passed away on 27 July 2015. He passed away after collapsing during a lecture at the Indian Institute of Management (IIM) in Shillong (Meghalaya). In which year was he conferred with the Bharat Ratna, India’s highest civilian honour? – 1997 95. Which town of Punjab’s Gurdaspur district came to news on 27 July 2015 with the incident of a huge terrorist attack taking place here resulting in the death of seven persons? – Dinanagar 96. Which district of Telangana state recently came to news for discovery of numerous burial sites belonging to the Megalithic period from a village of the district? – Medak 97. What will be the new name of Rajahmundry, the historic and cultural city of Andhra Pradesh, as announced by state Chief Minister N. Chandrababu Naidu on 25 July 2015? – Rajamahendravaram 98. Who won the Tour de France 2015 on 26 July 2015 to become the first Briton to won this most prestigious cycling championship twice? – Chris Froome 99. According to recently disclosed information for a right to information (RTI) application, which highway in India has emerged as the deadliest in the country in last few years? – Yamuna Expressway 100. The much-anticipated report of the committee on levy of Minimum Alternate Tax (MAT) on foreign institutional investors (FIIs) was submitted to Union Finance Ministry on 24 July 2015. Who headed this committee? – Justice AP Shah 

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 89 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

OPSC CSE-2015 SPECIAL VOLUME-2 (NEW SCHEME LAUNCHED BY GOVT OF INDIA)

COMMANDING OVER ODISHA CIVIL SERVICE EXAM Pramod Padhi A number of new socio-economic developmental schemes have been launched by the NDA govt. at the centre under PM Narendra Modi. The important schemes and their provisions have great importance for the comming OCS exam. Here in this section the details regarding some of these schemes have been discussed which I hope will be beneficial for the candidates.

SCHEME-1 Smart Cities Union government under PM narendra modi has declared that, Rs 48,000 crore would be spent on creating 98 smart cities in the first phase on the 27th August 2015 across India. Based on the population and area, a fix number has been allocated for each state. Hence, Uttar Pradesh, the most populated state will get 13 smart cities, meanwhile Tamil Nadu will receive 12 smart cities. Maharashtra will get 10 cities, while Karnataka and Gujarat will get 6 each. West Bengal and Rajasthan has been allocated 4 smart cities; Bihar, Andhra Pradesh and Punjab there each and Odisha, Haryana, Telangana and Chhattisgarh will get 2 smart cities each. Jammu and Kashmir, Kerala, Jharkhand, Assam, Himachal, Goa, Arunachal and Chandigarh, along with National Capital New Delhi will get one smart city each. A ‘City Challenge Competition’ was held among all nominated cities, to determine the most eligible of them for conversion into smart cities. It has been reported that only 44% buildings in Delhi, 36% in Mumbai and 57% in Bangalore are smart; and our national average of security in buildings is only 21. Govt.’s smart city project will need to rectify these issues if they want to develop truly world-class smart cities in the country. Five Odisha cities have been recommended for inclusion in the list of 100 cities approved by the Union Cabinet. These include – Bhubaneswar, Cuttack, Rourkela, Sambalpur and Baleswar.But only Bhubaneswar and Rourkela has been included in the first stage where union govt. will provide RS100cr per year for development of world class infrastructure. SCHEME-2 Make In India Prime Minister Narendra Modi on 25 September 2014 launched Make In India Campaign at Vigyan Bhawan in New Delhi to make India a manufacturing hub. The campaign is aimed to attract foreign companies to set up their manufacturing units in India and to seek greater foreign investment.The launch ceremony was attended by Top CEOs from India Inc, international industry leaders, ambassadors, ministers and government officials. Further, Special arrangements were made to publicise the event globally in different world capitals.At the same time, programmes were held in state capitals and also Indian missions abroad, where officials engaged with investors and consultants. P.M. Narendra Modi on his Independence Day speech had announced about the Make in India campaign. Vision Manufacturing currently contributes just over 15% to the national GDP. The aim of this campaign is to grow this to a 25% contribution as seen with other developing nations of Asia. In the process, the government expects to generate jobs, attract much foreign direct investment, and transform India into a manufacturing hub preferred around the globe. The logo for the Make In India campaign is a an elegant lion, inspired by the Ashoka Chakra and designed to represent India’s success in all spheres.The campaign was dedicated by the Prime Minister to the eminent patriot, philosopher and political personality, Pandit Deen Dayal Upadhyaya who had been born on the same date in 1916. Sectors in focus For the Make in India campaign, the government of India has identified 25 priority sectors that shall be promoted adequately. These are the sectors where likelihood of FDI (foreign direct investment) is the highest and investment shall be promoted by the government of India.On the campaign launch, the Prime Minister Narendra Modi said that the development of these sectors would ensure that the world shall readily come to Asia, particularly to India where the availability of both democratic conditions and manufacturing superiority made it the best destinations, especially when combined with the effective governance intended by his administration. 25 priority sectors 1. Automobiles 2. Automobile Components 3. Aviation 4. Biotechnology 5. Chemicals 6. Construction 7. Defence manufacturing 8. Electrical Machinery 9. Electronic Systems 10. Food Processing 11. IT and BPM 12. Leather 13. Media and Entertainment 14. Mining 15. Oil and Gas 16. Pharmaceuticals 17. Ports 18. Railways 19. Renewable Energy 20. Roads and highways 21. Space 22. Textiles and garments 23. Thermal Power 24. Tourism and Hospitality 25. Wellness

The Make in India Website Apart from the launch of a colourful brochure, which should find its way into the hands of anyone intending to invest into India, the government of India also launched a website to supplement the campaign. The Make In India website highlights each of the 25 target sectors

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 90 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 with statistics, reasons to invest, growth drivers, all policies relevant to investors and the individual sectors, government support, and opportunities for investors apart from showcasing the live projects that have been undertaken and FAQs. The website also links to the campaigns Social Media feeds on Twitter, Facebook, Google Plus, and YouTube. Features of the campaign  The government will look into all regulatory processes to ease the burden of investors.  A dedicated cell has been created to answer queries from business entities through a newly created web portal.  While an exhaustive set of FAQs on this portal will help investors find instant answers to their general queries, the back-end support team of the cell would answer specific queries within 72 hours.  The DIPP and industry lobby FICCI have jointly set up an eight-member expert panel to address queries and concerns of investors. They will clarify Indian policies to the investors and suggest reforms to the Central and states governments.  All central government services are being integrated with an e-Biz single window online portal.  States have been advised to introduce self-certification.  The Union Ministry of Home Affairs has been asked to give all security clearances to investment proposals within 3 months.  An advisory has been sent to all departments/state governments to simplify and rationalise regulatory environment which includes online filing of all returns in a unified form. Benefits and disadvantages of Make in India India is a country rich in natural resources. Labour is aplenty and skilled labour is easily available given the high rates of unemployment among the educated class of the country. With Asia developing as the outsourcing hub of the world, India is soon becoming the preferred manufacturing destination of most investors across the globe. Mae in India is the Indian government’s effort to harness this demand and boost the Indian economy. India ranks low on the “ease of doing business index”. Labour laws in the country are still not conducive to the Make in India campaign. This is one of the universally noted disadvantages of manufacturing and investing in India SCHEME-3 Atal Mission for Rejuvenation and Urban Transformation (AMRUT) Union cabinet in April 2015 approved the Atal Mission for Rejuvenation and Urban Transformation (AMRUT) for five hundred cities with an outlay of 50000 crore rupees over the next 5 years (2015-16 to 2019-20). Besides, the cabinet conjointly approved the Smart Cities Mission with an outlay of 48000 crore rupees. The two missions have twin objectives of meeting the challenges of growing urbanization within the country in a sustainable manner as well as ensuring the advantages of urban development to the poor through increased access to urban spaces and enhanced employment opportunities. Main features of Atal Mission for Rejuvenation and Urban Transformation (AMRUT) Purpose To develop civic infrastructure in five hundred cities and towns having population of 1 lakh and above. The mission conjointly includes some cities situated on stems of main rivers, a few capital cities, important cities located in hilly areas, islands and tourist areas. Implementation Implementation is linked to promotion of urban reforms such as e-governance, constitution of professional municipal cadre, credit rating of urban local bodies, energy and water audit and citizen-centric urban planning among others. In this regard, a reform matrix with timelines would be circulated by the Union Government to States in the guidelines of the mission. Approach The mission adopts a project based approach to make sure basic infrastructure services concerning water supply, sewerage, transport and development of green spaces among others. States given additional freedom Under this Mission, States get the flexibility of designing schemes based on the wants of identified cities and in their execution and monitoring.Further in a important departure from Jawaharlal Nehru National Urban Renewal Mission (JNNURM), currently the states will only submit State Annual Action Plans (SAAPs) to the Union for broad concurrence based on which funds will be released. under JNNURM, Union Government used to appraise even individual projects. Funding 50000 crore rupees will be spent under the mission over next 5 years. Central help will be to the extent of fifty p.c of project cost for cities and towns with a population of up to ten lakh and one-third of the project cost for those with a population of above ten lakh. Central help will be released in 3 instalments in the ratio of 20:40:40 based on achievement of milestones indicated in SAAPs. 10 p.c of budget allocation will be given to States/Union Territories (UTs) as an incentive based on achievement of reforms during the previous year. Uncompleted projects under JNNURM Central help will be extended under AMRUT to the projects sanctioned under JNNURM but not completed. JNNURM projects relating to urban development sanctioned during 2007 -2012 and achieved physical progress of 50 p.c availing 50 p.c of central help released and those sanctioned during 2012-2014 will be supported till March 2017. Accordingly, 102 and 296 projects respectively will get Central support for balance funding to complete these projects.

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Difference between AMRUT and Smart Cities Mission Though the 2 missions are interrelated in the sense that AMRUT seeks to lay a foundation to enable smaller cities and towns to eventually grow into smart cities, they differ in the following ways: While smart Cities Mission focuses on a select larger urban areas, the AMRUT mission is intended to improve infrastructure in small cities having population of 1 lakh and above and cities of special importance only. While smart Cities Mission adopts area based approach that specialize in improving amenities in a specific area of a larger town, the AMRUT mission adopts functional based approach focusing on improving the delivery of services in the selected cities and smaller cities. SCHEME-4 Pradhan Mantri Awas Yojana: Housing for All by 2022 Under the project ‘Housing for All by 2022’ scheme, more than 2 crore homes would be build across all the urban locations in the next 7 years. Central Govt. will provide a grant of Rs 1 lakh to Rs 2.5 lakh for every home.This is central govt. launched programme. The vision is to provide a home to everyone living in a urban city. Women, SC/STs and people from Economically Weaker Sections (EWS) would be the main beneficiaries of this urban housing project. Indian real estate market, which has been experiencing a sluggish growth rate since last couple of years, will be certainly delighted with the launch of these Govt. sponsored urbanization projects as more than Rs 4 lakh crore is expected to be invested directly or indirectly into the real estate market, on a national level. SCHEME-5 Namami Gange Project Namami Gange Project or Namami Ganga Yojana is an ambitious Union Government Project which integrates the efforts to clean and protect the Ganga river in a comprehensive manner. It its maiden budget, the governnment announced Rs. 2037 Crore towards this mission. The project is officially known as Integrated Ganga Conservation Mission project or ‘Namami Ganga Yojana’. This project aims at Ganga Rejuvenation by combining the existing ongoing efforts and planning under it to create a concrete action plan for future.Ganga Basin is the largest river basin in India in terms of catchment area which is spread over 11 states that constitutes 26% of the country’s land mass and supports about 43% of its population. Salient Project features  Over Rs. 20,000 crore has been sanctioned in 2014-2015 budget for the next 5 years.  Will cover 8 states, 47 towns & 12 rivers under the project.  Over 1,632 gram panchayats on the banks of Ganga to be made open defecation-free by 2022.  Several ministries are working with nodal Water Resources Ministry for this project includes – Environment, Urban Development , Shipping, Tourism & Rural Development Ministries.  Prime focus will be on involving people living on the river’s banks in this project.  Under the aegis of National Mission for Clean Ganga (NMCG) & State Programme Management Groups (SPMGs) States and Urban Local Bodies and Panchayati Raj institutions will be involved in this project.  Setting river centric urban planning process to facilitate better citizen connects, through interventions at Ghats and River fronts.  Expansion of coverage of sewerage infrastructure in 118 urban habitations on banks of Ganga. Enforcement of Ganga specific River Regulatory Zones.  Development of rational agricultural practices & efficient irrigation methods.  Setting Ganga Knowledge Centre. Pollution will be checked through  Treatment of waste water in drains by applying bio-remediation method.  Treatment of waste water through in-situ treatment.  Treatment of waste water by the use of innovative technologies.  Treatment of waste water through municipal sewage & effluent treatment plants.  Introducing immediate measures to arrest inflow of sewage.  Introducing PPP approach for pollution control.  Introduction of 4-battalion of Territorial Army Ganga Eco-Task Force. Previous approaches for Ganga cleaning Ganga Action Plan  Ganga Action plan was launched in two phase manner by then PM Mr. Rajiv Gandhi:  Phase I 1985: Covered 25 Ganga towns in three states over Rs 862.59 crore were spent.  Phase II : Covered 59 towns in five states over Rs 505.31 cr were spent.  Separate action plans for rivers- Yamuna, Damodar, Gomti & Mahananda. This Action plan was failure.

National Ganga River Basin Authority (NGRBA) was launched by UPA government over 43 towns were covered in five states and over Rs 1,027 crore were spent until March 31, 2015.

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SCHEME-6 PRASAD Scheme of Ministry of Tourism Twelve cities namely Amaravati (Andhra Pradesh), Gaya(Bihar), Dwaraka(Gujarat), Amritsar(Punjab), Ajmer(Rajasthan), Kanchipuram(Tamil Nadu), Vellankani(Tamil Nadu), Puri(Odisha), Varanasi(Uttar Prasesh), Mathura(Uttar Pradesh), Kedarnath (Uttarakhand) and Kamakhya (Assam) have been identified for development under Pilgrimage Rejuvenation and Spirituality Augmentation Drive (PRASAD) by the Ministry of Tourism. SCHEME-7 HRIDAY The Heritage City Development and Augmentation Yojana (HRIDAY) scheme aimed at preserving and revitalizing the soul and unique character of the heritage cities in India, has been approved by the Ministry of Urban Development for the Twelve cities under the scheme in the first phase, namely; Amaravati(Andhra Pradesh); Gaya (Bihar); Dwarka (Gujarat), Badami(Karnataka); Puri (Odisha), Amritsar (Punjab); Ajmer(Rajasthan); Kanchipuram (Tamil Nadu); Vellankani(Tamil Nadu); Warangal (Telangana); Varanasi (Uttar Pradesh); and Mathura (Uttar Pradesh). The criterion for selection of these cities is their rich heritage and cultural history. To implement the PRASAD scheme a Mission Directorate has been set up in the Ministry of Tourism. The programme was launched from Puri(Odisha) on the eve of famous Nabakalebara 2015

For the HRIDAY scheme under the Ministry of Urban Development, an amount of Rs.453.90 crores has been allocated to the HRIDAY scheme for implementation and development works. Aiming at preserving and rejuvenating the rich cultural heritage, governmen launched the ambitious Rs 500 crore project for 12 cities including Varanasi, Mathura, Gaya, Dwarka and Puri across the country. “No nation can move forward ignoring its cultural heritage and legacy. India is a diverse land of languages and religions and we need to preserve the legacy of all kinds. HRIDAY is a step towards reviving the soul of cities hosting such rich heritage,” Urban Development Minister Venkaiah Naidu said at the launch of the Heritage Development and Augmentation Yojana (HRIDAY). SCHEME-8 Suraksha Bandhan Union Government launched Suraksha Bandhan drive in a Mission Mode through participating banks and insurance companies to facilitate enrolment under social security schemes. The schemes are Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY). The drive launched in the back drop of Raksha Bandhan aims at taking forward the Government’s objective of creating a universal social security system in the country, targeted especially at the poor and the under-privileged. Participating Banks supported by the participating Insurance Companies will work towards local outreach, awareness building and enrolment facilitation during this drive. The last date for enrolment under the PMSBY and PMJJBY schemes has been extended till 30 September 2015. Persons enrolling within this period would not be required to submit a certificate of good health for Pradhan Mantri Jeevan Jyoti Bima Yojana. Pradhan Mantri Suraksha Bima Yojana enrolment does not in any event require any such certification. The drive will be supported through the Jeevan Suraksha Gift Cheques, which will be available for purchase for 351 rupees in Bank branches by persons wishing to gift them to facilitate one year payment of premium for Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana by the recipient. The recipient of the gift cheque would deposit the instrument in his or her bank account for a realizable value of 342 rupees, out of which 12 rupees will be for one year subscription of PMSBY and 330 rupees for PMJJBY. The balance of 9 rupees will be retained by the issuing Bank as a service charge. SCHEME-9 Atal Pension Yojana (APY) Prime Minister Narendra Modi on 9 May 2015 launched Atal Pension Yojana (APY) in Kolkata, West Bengal. The scheme is intended to enhance old age income security of the working poor and is focused on encouraging and enabling them to join the National Pension System (NPS). It will be operational from 1 June 2015. Key Features of Atal Pension Yojana (APY) Operational Framework: It is a Government of India Scheme and is administered by the Pension Fund Regulatory and Development Authority (PFRDA). The institutional architecture of NPS would be utilised to enroll subscribers under scheme. Eligibility: All citizens in the unorganised sector, who join the NPS administered by the PFRDA and who are not members of any statutory social security scheme are eligible to benefit under the scheme. The minimum age of joining is 18 years and maximum age is 40 years. All the existing subscribers of Swavalamban Scheme would be automatically migrated to APY, unless they opt out. It is expected that around two crore subscribers would be enrolled during the financial year 2015-16 under the scheme.

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Benefits: The subscribers would receive the fixed pension, as guaranteed by the Union Government, of 1000 rupees per month, 2000 rupees per month, 3000 rupees per month, 4000 rupees per month, 5000 rupees per month, at the age of 60 years, depending on their contributions, which itself would vary on the age of joining the scheme. The pension would also be available to the spouse on the death of the subscriber and thereafter, the pension corpus would be returned to the nominee. Funding: The Government would co-contribute 50 percent of the subscriber contribution or 1000 rupees per annum, whichever is lower, for a period of 5 years starting from 2015-16, who join the NPS before 31 December 2015 and who are not Income Tax payers. The government would also reimburse the promotional and development activities including incentive to the contribution collection agencies to encourage people to join the scheme. The Government expenditure is expected to range between 2520 crore and 10000 crore rupees on account of co-contribution to subscribers of the APY over a period of five years. Further, an expenditure of 2000 crore rupees for promotional and developmental activities for enrolment and contribution collection is allocated for period of five years. Enrolment agencies: All Points of Presence (Service Providers) and Aggregators under Swavalamban Scheme would enroll subscribers through architecture of NPS. SCHEME-10 Pradhan Mantri Mudra Yojana Pradhan Mantri MUDRA Yojana has come as a boon for MSME (Micro, small and medium Enterprises) sector and is widely hailed as a robust measure to achieve inclusive growth. Objective of the Pradhan Mantri MUDRA Yojana There are a lots of Scheduled castes, scheduled tribes and other backward classes entrepreneurs in the MSME sector. NSSO Survey 2013 suggests that there are 5.77 crore small businesses like manufacturing, trading or services. It is very difficult for these units to get finance from the scheduled banks as they have to go through a tight scrutiny, thereby defeating the purpose of refinancing them under funds released from SIDBI. Thus, only 4% of these units are able to get loans for their business needs and others are forced to land with money-lenders. The objective of this scheme to launch a Micro Units Development and Refinance Agency (MUDRA) Bank to support the entrepreneurs of the above mentioned classes. Status of Micro-finance in India Micro-finance is an important tool in an economy like India where a million new workers are added to workforce every month especially in small businesses. These businesses comprise about 5% of the economy. The performance of India’s microfinance institutions is quite dismal. These institutions do not give loans beyond Rs.50,000 to a single person and the average amount given per account by Non-banking Financial Institution-Micro-finance institutions is Rs. 16,194. This figure is far below the funding requirements of first generation small entrepreneurs who are looking for amounts upto a few lakhs. India already has agencies which are involved in providing microfinance. These are: National Housing Bank: It was set up in 1988 to refinance home loans and regulate housing finance companies National Bank for Agriculture and Rural Development: It was set-up in 1982 by a law to regulate credit support, institutional development and encourage innovative initiatives in rural sector. It also promotes sustainable agricultural practices. Small Industries Development Bank of India: It was set-up in 1990 to promote, finance and develop small and medium enterprises and provide them easy finance upto a limit of Rs. 1 Crore. SCHEME-11 Sukanya Samriddhi Account: New Scheme for a Girl Child in India Save every girl child in India. Reinforcing this idea, Prime Minister Narendra Modi launched ‘Sukanya Samriddhi Account Scheme’, a small savings scheme as a part of the ‘Beti Bachao Beti Padhao’ campaign. It is also considered a part of the government’s initiative to increase the percentage of domestic savings, which has reduced from 38% of the GDP in 2008 to 30% in 2013. This scheme will encourage parents to save for the education and future of their girl child. How to Open the Sukanya Samriddhi Account? Guardian to open the account: The account can be opened only by parents or legal guardians for upto two girl children. In case of twins or triplets, an exemption will be made on production of a certificate from authorised medical institutions. Age Eligibility: A Sukanya Samriddhi account can be opened for a girl child till she attains the age of 10. The scheme started from 2 December, 2014. An initial grace period of one year has been announced for convenience. A girl child, who is born between 2 December, 2003 and 1 December, 2004, can open account by 1 December, 2015. Account in the name of the beneficiary: Sukanya Samriddhi Scheme can only be opened in the name of the girl child. The depositor (guardian) will be an individual, who deposits amount in the account on behalf of the minor girl child. One Girl One Account: Only one account can be opened per girl child. Where to open Account: Sukanya Samriddhi account can be opened in Post Offices or authorised Banks (State Bank of India, Bank of Baroda, Punjab National Bank, Bank of India, Canara Bank, Andhra Bank, UCO Bank, and Allahabad Bank, to name the few). More Information on Sukanya Samriddhi Account Account Transferability: The account can be opened with an amount of Rs. 1000. It can be transferred from the original location to anywhere in India as the girl child relocates.

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Minimum Contribution: A minimum contribution of Rs. 1000 per account has to be deposited per year. A maximum of Rs.1, 50,000 per account can be deposited. There is no limit in the number of deposits in a financial year. The money can be deposited through cash, cheque or draft. Penalty: A penalty of Rs.50 will be imposed if the account is not credited with the minimum amount. Rate of Interest: The scheme is offering an interest rate of 9.2% per year. However, it will be revised in April every year and the change will be communicated subsequently. The interest will be compounded yearly and directly credited to the account. Term Period: The guardian is expected to deposit amount in the account only till the completion of 14 years. No deposits after that is required till the maturity of the account. Withdrawal: A premature withdrawal (at the end of the previous financial year) of 50% of the accumulated amount is allowed after the girl child turns 18. Closure of Account: The account can be closed only after the child turns 21. If the money is not withdrawn even after that, it will continue to earn the interest. Taxation: As per Section 80C of Income Tax Act, the investment (up to Rs.1.5 lakhs) under the scheme, all the payments including the interest payment and the total maturity amount will be fully exempted from taxation. SCHEME-12 Pradhan Mantri Suraksha Bima Yojana Eligibility: Available to people in age group 18 to 70 years with bank account. Premium: Rs.12 per annum. Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available. Risk Coverage: For accidental death and full disability - Rs.2 Lakh and for partial disability – Rs.1 Lakh. Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme. Name of nominee to be given in the form. Terms of Risk Coverage: A person has to opt for the scheme every year. He can also prefer to give a long-term option of continuing in which case his account will be auto-debited every year by the bank. Who will implement this Scheme?: The scheme will be offered by all Public Sector General Insurance Companies and all other insurers who are willing to join the scheme and tie-up with banks for this purpose. Government Contribution: (i) Various Ministries can co-contribute premium for various categories of their beneficiaries from their budget or from Public Welfare Fund created in this budget from unclaimed money. This will be decided separately during the year. (ii) Common Publicity Expenditure will be borne by the Government. SCHEME-13 Pradhan Mantri Kaushal Vikas Yojana (PMKVY) The Union cabinet approved the Pradhan Mantri Kaushal Vikas Yojana (PMKVY) on nineteen March 2015 with an outlay of 1500 crore rupees. The programme aims to impart skill development training to youth with focus on 1st time entrants to the labour market and class ten and class twelve drop outs. Main provisions of the Pradhan Mantri Kaushal Vikas Yojana (PMKY)  The programme aims to impart skill development training to youth with focus on 1st time entrants to the labour market and class ten and class twelve drop outs.  The scheme will cover twenty four lakh persons and skill training would be based on the National skill Qualification Framework (NSQF) and industry led standards.  The programme will be enforced by the Union Ministry of skill Development and Entrepreneurship through the National skill Development Corporation (NSDC) coaching partners.  Additionally, Central and state government affiliated training providers would also be used for training purposes.  Skill training would be on the basis of skill gap studies conducted by the NSDC for the period 2013-17.  Focus of the training would be on improved curricula, better pedagogy and better trained instructors.  Training would come with soft skills, personal grooming, behavioral change for cleanliness, good work ethics.  A financial reward will be given to trainees on assessment and certification by third party assessment bodies. The average monetary reward would be around 8000 rupees per trainee. Funds Allocation  Out of the entire outlay of 1120 crore rupees to be spent on skill training of fourteen lakh youths, 220 crore rupees has been allotted for recognition of prior learning.  Sixty seven crore rupees has been allotted for awareness building and mobilization efforts. Mobilization would be done through skill melas organized at the local level with participation of the State Governments, Municipal Bodies, Pachayati raj institutions (PRIs) and community based organizations.  Sixty seven crore rupees has been allocated for mentorship support and placement facilitation for trainees.  A hundred and fifty crore rupees has been allotted for training of youth from the North-East region.

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Monitoring of the programme  Sector skill Councils and the State Governments would closely monitor skill training that will happen under the PMKVY.  Skill Development Management System (SDMS) would be put in place to verify and record details of all training centres an exact quality of training locations and courses.  Biometric system and video recording of the training method would be put in place where feasible.  All persons undergoing training would be needed to give feed back at the time of assessment and this would become the key element of the evaluation framework to assess the effectiveness of the PMKVY scheme.  A robust grievance redressal system would be put in place to address grievances relating to implementation of the scheme. SCHEME-14 National Skill Development Corporation NSDC On October 20, 2009, India’s Finance Minister Pranab Mukherjee has launched National Skill Development Corporation. Features:  The NSDC is a unique Public-Private Partnership (PPP) Enterprise.  As against 40 million people currently who have received any kind of formal or non-formal training, the new vision envisages creation of a pool of 500 million skilled people by 2022 NSDC has been incorporated as a not-for-profit organization under Section 25 of the Companies Act, 1956 by the Ministry of Finance.  It has been formed as 51:49 shareholding of private and government.  The company as a public-private initiative will help to hone the talent of India’s workforce in 21 high-growth industries.  Besides Ministry of Finance, all prominent industry bodies have contributed to the initial capital of this venture.  It will primarily focus on tackling 30 percent of the total skill gap of India’s workforce over the next decade.  Two areas which can be taken up for immediate consideration are adoption of a few ITI’s by the corporation on a management contract, so that models for better management of the existing infrastructure can be evolved. The Vision:  The vision outlined by the Prime Minister’s Council calls for serious up-scaling of the skill development targets.  Hence, as against 40 million people currently, who have received any kind of formal or non-formal training, the vision envisages creation of a pool of 500 million skilled people by 2022.  This translates into a rapid escalation of the training and skill development capacity, and, a quantum leap in the number of trades, wherein training is currently being imparted through existing institutes.  The vision also emphasis, a high degree of inclusivity, which shall effectively deal with the current, divides prevailing in our society, such as gender, rural and urban, organized and un-organized employment, and, traditional and contemporary work places.  In order to achieve the mission outlined in the vision, it has become imperative for Government to engage with the private sector, through long term partnerships to achieve synergy in delivery and implementation.  The NSDC, therefore, is the important component of the overall roadmap for radically transforming India’s skill landscape.  Typical ‘market failure’ segments, comprising backward areas, under-privileged sections of the society and non-organized sectors occupy primacy in NSDC agenda. SCHEME-15 Pradhan Mantri Jan Dhan Yojana (PMJDY) Pradhan Mantri Jan Dhan Yojana is the flagship financial inclusion plan of the NDA Government. The Finance Ministry rolled out this scheme to enable each household in the country to have access to at least one bank account. All Indian citizens can now avail of a bank account despite the lack of KYC documentation. These bank accounts are valid for a year within which account holders must furnish proof of having applied for valid documents required to comply with KYC norms. The idea of this scheme was first announced by Prime Minister Narendra Modi in his Independence Day speech and it was later launched on August 28, 2014. The bank accounts opened under the scheme come with a RuPay debit card and accident insurance cover. Holders of accounts opened before January 26, 2015 are also provided with a premium-free life insurance cover. Under the Jan Dhan Yojna anyone who is India citizen above age of 10 years and does not have a bank account, can open the account with zero balance. Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet, specially designed for the purpose of opening the accounts under this scheme. The scheme also provides facility of accidental insurance cover up to rupees one lac without any charge for the account holder. The account holders under the jan dhan yojana will be given a RuPay debit card which can be used at all ATMs for cash withdrawal and at most of the retail outlets for making transaction for purchases. Benefits of Pradhan Mantri Jan Dhan Yojana The Pradhan Mantri Jan Dhan Yojana or more popularly known as PMJDY scheme is planning on revolutionizing the traditional banking system in India by providing the banking opportunity and insurance coverage to all including the poor. It is an initiative taken by the Prime Minister Narendra Modi who started this ambitious project to help the poor become more financially confident through this venture and

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 96 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015 allowing every citizen the right to have their own bank account and insurance coverage which was previously impossible for most of the population under poverty. The purpose of this scheme will definitely benefit the overall economy of the country and the scheme provides some lucrative benefits which should certainly be availed and considered. Here is listed some important benefits of the Pradhan Mantri Jan Dhan Yojna (PMJDY) scheme which would certainly inspire the country to a more prosperous future for all. Life insurance under Pradhan Mantri Jan Dhan Yojana Under the PMJDY scheme the account holders will be given worth Rs.30000 insurance coverage if they comply with certain specification of the scheme which includes opening an account by January 26, 2015 and having an accidental insurance coverage of over Rs. 200000. Loan benefits under Pradhan Mantri Jan Dhan Yojana The account holder can take loan benefit of up to Rs.5000 from the bank after six months from opening the account. Though the amount might seem insignificant for many but we have to realize the scheme is directed mostly towards people below the poverty line and who are struggling desperately to sustain their everyday living. The loan benefit can be a scintilla of hope for those people who could utilize the loan amount and invest it in a more profitable outcome, particularly in farming or other agricultural prospect. Mobile banking facilities under Pradhan Mantri Jan Dhan Yojana Though the technology of using smart phones to conduct our bank transactions is not novel anymore but the PMJDY scheme will allow its account holders to avail the same facilities of checking balance and transferring funds through a normal cell phone which is more affordable to the general economy. Hence PM Jan Dhan Yojana is indeed a prosperous venture and we certainly hope the Prime Minister and the mass economy are both benefited through this new venture. Unprecedented success Pradhan Mantri jan Dhan Yojna(PMJDY) on twenty January 2015 made it to Guinness Book of World Records. Indian Banks opened 11.50 crore accounts under the Pradhan Mantri Jan-Dhan Yojana during a short span of 5 months. The feat was commended by the Guinness Book of World Records. Out of the entire account opened, 5.68 crore accounts belonged to male and 5.82 crore account belonged to females. In percentage terms, 49.37 the worries accounts belonged to male while 50.63% accounts belonged to females. 6.84 crore accounts were opened in rural areas which is 59.49% of the overall accounts opened while in urban area 4.66 crore accounts were opened which is 40.51%. In August 2014, Indian Government set a target of opening up ten crore accounts to pass on benefits of various social security schemes to the account holders. Now, Government will transfer annual grant of around 51029 crore rupees directly to bank accounts of 17.45 crore beneficiaries, plugging system leakages. SCHEME-16 Swachh Bharat Abhiyan: Making India Clean The Narendra Modi Government launched the “Swachh Bharat” movement to solve the sanitation problem and waste management in India by ensuring hygiene across the country. Emphasising on “Clean India” in his 2014 Independence day speech, PM Modi said that this movement is associated with the economic activity of the country. The prime objective of the mission is to create sanitation facilities for all. It aims to provide every rural family with a toilet by 2019. Objectives of Swachh Bharat Abhiyan The objectives of the Swachh Bharat Abhiyan include the following  Construct individual, cluster and community toilets.  Eliminate or reduce open defecation. Open defecation is one of the main causes of deaths of thousands of children each year.  Construct latrines and work towards establishing an accountable mechanism of monitoring latrine use.  Create Public awareness about the drawbacks of open defecation and promotion of latrine use.  Recruit dedicated ground staff to bring about behavioural change and promotion of latrine use.  Change people’s mindset towards proper sanitation use.  Keep villages clean.  Ensure solid and liquid waste management through gram panchayats.\  Lay water pipelines in all villages, ensuring water supply to all households by 2019. History: With effect from April 1, 1999, the Government of India restructured the Comprehensive Rural Sanitation Programme and launched the Total Sanitation Campaign (TSC). To give a fillip to the TSC, effective June 2003, the government launched an incentive scheme in the form of an award for total sanitation coverage, maintenance of a clean environment and open defecation-free panchayat villages, blocks and districts, called Nirmal Gram Puraskar. Effective April 1, 2012, the TSC was renamed to Nirmal Bharat Abhiyan (SBA). On October 2, 2014 the campaign was relaunched as Swachh Bharat Abhiyan

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Funds Allocation This project is expected to cost over Rs. 2 lakhs crore. Fund sharing between the Central and State Governments and Urban Local Bodies is allocated in the ratio of 75:25. It has been officially stated that for North Eastern and special category states, the allocation of funds is in the ratio of 90:10. To give a boost to the project, the government has sought financial and technical support from the World Bank. Also, all big corporates and private organisations are asked to join the movement as part of their Corporate Social Responsibility (CSR) initiative. Measures Proposed in 2015-16 Union Budget Describing Clean India campaign as a “programme for preventive healthcare, and building awareness”, the Finance Minister Arun Jaitley proposed that the donations made to the Swachh Bharat Mission and the Clean Ganga Fund will be eligible for tax deductions under the Income Tax Act. The budget also proposed Swachh Bharat cess on select services at the rate of up to 2 per cent. The resources generated from this cess will be leveraged for funding initiatives towards the campaign. Construction of 31.83 lakhs Toilets till January 2015 According to government data, in January 2015, 7.1 lakh individual household toilets have been built under this dream project. This number is considered the highest for any month since its launch in October 2014. 31.83 lakhs individual toilets have been built until January 2015. So far, Karnataka is the best performer by achieving 61% of the target while Punjab is the worst performer by achieving 5% of the target. Modi’s Nominees for Promoting the Swachh Bharat Abhiyan On 2 October, 2014, Modi nominated nine celebrities from various fields to propagate the mission, considering the new age marketing via social media. The nominated personalities included, Anil Ambani, Mridula Sinha, Baba Ramdev, Kamal Hassan, Priyanka Chopra, Sachin Tendulkar, Salman Khan, Shashi Tharoor and the team of the TV series Taarak Mehta Ka Ooltah Chashmah. On 25 December, Modi nominated nine more people including the comedian Kapil Sharma, Sourav Ganguly, Kiran Bedi, Padmanabha Acharya, Nagaland Governor, Sonal Mansingh, Ramoji Rao of Eenadu group and Aroon Purie to take forward his “Swachh Bharat Abhiyaan”. Some organisations such as the Institute of Chartered Accountants of India, India Today, Eenadu and the popular “dabbewale” of Mumbai were also nominated to be the torchbearers.

SCHEME-17 ‘Beti Bachao, Beti Padhao’ After the successful implementation of innovative schemes like the ‘Jan Dhan Yojana,’ Make in India’ and Swachh Bharat Abhiyan, Prime Minister Narendra Modi now launched one more scheme, ‘Beti Bachao, Beti Padhao’ (save the girl child, educate the girl child), on January 22 in Panipat in Haryana. With an initial corpus of Rs 100 crore, the scheme has been launched in a hundred districts across the country. In Haryana where the child sex ratio (CSR) has been dismally low, 12 districts have been chosen: Rewari, Mahendergarh, Bhiwani, Jhajjar, Ambala, Kurukshetra, Sonepat, Rohtak, Karnal, Kaithal, Panipat and Yamuna Nagar. The scheme aims at making girls independent both socially as also financially through education. This approach of the Government can facilitate in generating awareness and improving the efficiency of delivery of welfare services meant for the women. Digital Gender Atlas launched in India to promote Girl’s Education In order to advance girl’s education in India the ministry of Human Resource Development (HRD), Department of School Education and Literacy has launched the Digital Gender Atlas in front of the media on 09 March in New Delhi. UNICEF would help in establishing the tool that would help in identifying the low performing geographic pockets for girls specially girls from the marginalized sections such as scheduled castes, schedule tribes and Muslim minorities. The Atlas would be placed on the website of Ministry of Human Resource and Development (MHRD) and would make it available and ready to use for the various states/districts/block education administrators or any of the groups that are interested in using the facility. The focus of the Gender Atlas is to help in identifying the girls with vulnerabilities and girls with disabilities so that ensuring equitable education could turn out to be a reality. With the help of the Atlas comparative analysis of the individual gender related indicators would get used over the period of three years. This would enable the concerned department to get a visual assessment of the change and thus they could understand whether there has been any considerable change felt after the intervention or not. The atlas is built on an open source platform and thus allows the authorized persons to retain its dynamic character by constantly updating the same. According to statistics, enrolment rates of girls at primary and upper primary level has shown growth in the last few years but the enrolment in the secondary level has remained considerably low. The main components of the newly launched Gender Atlas are: Composite gender ranking, Trend Analysis of Gender Indicators, Vulnerabilities based on educational indicators in districts with substantial tribal, schedule caste, minority population in educationally backward blocks and in left wing extremist districts, and low sex ratio districts that were selected under ‘Beti Bachao Beti Padhao’ programme.

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 98 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

SCHEME-18 One Rank, One Pension (OROP) The One Rank, One Pension is a scheme that lays down that the retired soldiers of the same rank and length of service will receive the same pension, regardless of when they retire. The scheme was laid out in 2014, but has not been implemented yet due to some technical calculations and interpretations. Under OROP, a soldier who retired in 1995 would get the same amount of pension as the one who retired in 1996. The scheme will benefit ex-servicemen drawing pensions from the OROP scheme, especially those who retired before 2006 as at present, pensioners who retired before 2006 draw less pension than their counterparts and even their juniors. The scheme will benefit all three services- Air Force, Navy and Army. The NDA Government in its 2015 Budget announcement allotted 1000 crore rupees for the scheme. OROP Recent Developments On 15 June 2015, a group of about 55 ex-servicemen who belong to Jalandhar district began their relay-hunger strike at Jantar Mantar in New Delhi, demanding the government to announce a date to introduce the OROP policy. On 10 June 2015, a group of ex-servicemen met Finance Minister Arun Jaitley and expressed their concerns regarding the delay in the OROP scheme which is likely to benefit as many as 22 lakh retired defence personnel. On 3 June 2015, a group of ex-servicemen led by Maj Gen Satbir Singh (retd) met Dalbir Singh Suhag and discussed about the early implementation of ‘one rank one pension’ scheme.

SCHEME-19 Saansad Adarsh Gram Yojana The Saansad Adarsh Gram Yojana was launched by the , central government in 2014 for the development of model villages. Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024. The first Adarsh Gram must be developed by 2016, and two more by 2019. From 2019 to 2024, five more Adarsh Grams must be developed by each MP, one each year. This implies that a total of 6,433 Adarsh Grams, of the 2,65,000 gram panchayats, will be created by 2024. Key features of the Yojana are  The development of model villages, called Adarsh Grams, through the implementation of existing schemes, and certain new initiatives to be designed for the local context, which may vary from village to village.  Creating models of local development which can be replicated in other villages. Identification of villages MPs can select any gram panchayat, other than their own village or that of their spouse, to be developed as an Adarsh Gram. The village must have a population of 3000-5000 people if it is located in the plains, or 1000-3000 people if located in hilly areas. Lok Sabha MPs can choose a village from their constituency, and Rajya Sabha MPs from the state from which they are elected. Nominated members can choose a village from any district of the country. MPs which represent urban constituencies can identify a village from a neighbouring rural constituency. Funding No new funds have been allocated for the Yojana. Resources may be raised through: 1. Funds from existing schemes, such as the Indira Awas Yojana, Pradhan Mantri Gram Sadak Yojana, Mahatma Gandhi National Rural Employment Guarantee Scheme, and Backward Regions Grant Fund, etc., 2. The Member of Parliament Local Area Development Scheme (MPLADS), 3. The gram panchayat’s own revenue, 4. Central and State Finance Commission Grants, and 5. Corporate Social Responsibility funds. Implementation A Village Development Plan must be created for each Adarsh Gram. While each village will develop a list of activities to be carried out, based on its own resources and requirements, possible activities have been listed in the guidelines for the scheme. For example, Adarsh Grams can work towards providing universal access to basic healthcare facilities, promoting diversified livelihoods through agriculture related livelihoods and skill development, providing pension for all eligible families, housing for all, and promoting social forestry. As many as 661 MPs have so far adopted a village under the Saansad Aadarsh Gram Yojana, launched by Prime Minister Narendra Modi on October 11 last year with an aim of overall development of rural areas.Of them, 485 are from Lok Sabha and 176 are from Rajya Sabha.

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 99 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

Some of the MPs and the villages adopted by them are :  Prime Minister Narendra Modi: Jayapur village in Varanasi, Uttar Pradesh  Hema Malini: Raval village, Uttar Pradesh  Sachin Tendulkar: Puttamraju Kandrika village, Andhra Pradesh  Kaushalendra Kumar: Nanand village in Nalanda, Bihar  Narendra Sawaikar: Cola village, Andhra Pradesh  Avinash Rai Khanna: Adamwal village in Hoshiarpur, Punjab  Rajendra Agrawal: Bhagwanpur Chatawan village in Rajpura, Punjab  Former Prime Minister Manmohan Singh - Pachim Bekeli Gaon Kamrup district of Assam.

SCHEME-20 Digital India Programme PM Modi launched the Digital India programme to make India adjust with the changing global technology in Digitisation. What comes under Digital India? Communication Infrastructure and Services BharatNet: This is the backbone of the Digital India programme. It will provide internet and telecommunication services to every part of the country, including connecting the villages spread all over India through broadband. This is the world’s largest rural broadband connectivity project. BSNL Next Generation Network (Voice, data and multi-media on one landline): BSNL has prepared a massive plan to use the advanced technology of Next Generation Network (NGN) to provide telecommunication services using various modes such as voice, data networks (internet), wireless network and multimedia video conferencing and fixed mobile convergence (FMC). In the first phase, BSNL aim is to cover four million customers. BSNL Wi-Fi Services (Wi-Fi hotspots, affordable connectivity on the go): BSNL has also chalked out a plan to roll out Wi-Fi in 2500 cities and towns, including major tourist places across India. The aim is to provide affordable seamless connectivity through 2G/3G mobile connectivity. Products DiGiLocker: This system provides an online storage space to Indian citizens having Aadhar cards to store all important personal documents, including other official documents issued by various Government departments and agencies. The system also helps in secured sharing of data through a uniform resource identity (URI) link. National scholarships portal (All Government scholarships under a single website):This is a one-stop solution for implementing the entire scholarship process. Here, in a single website, you can apply and register for different scholarships provided by different central and state ministries, governments and other agencies. You can receive application forms and process online. This helps in effective and faster processing of scholarships and delivery of funds to the beneficiaries’ accounts. e-Hospital/ORS: This system facilitates in making an on-line appointment with doctors at specialised government hospitals. The aim is to relieve the common man from waiting for long hours or running around in hospitals searching for doctors. The patient can also check his reports on-line. Presently, e-Hospital service is available in AIIMS, Ram Manohar Lohia Hospital, Sports Injury Centre, Delhi and National Institute of Mental Health and Neuro Sciences, Bengaluru. The plan is to extend service to different hospitals spread across the country. e-Sign: This is another product introduced in Digital India. The e-sign or electronic signature facilitates an Aadhar card holder to digitally sign a document, which can be integrated with service delivery applications. Digitise India Platform (DIP): This is to digitise physical records and reduce piles of papers in record rooms and offices. Portals Digital India Portal and Mobile App: Digital India Portal is the dedicated portal for Digital India and it also has its mobile based application as Digital India Mobile App. (http://www.digitalindia.gov.in/) MyGov Mobile App: MyGov is a mobile version of the citizen engaging platform, where citizens can share opinions and offer suggestions related to various issues and problems pertaining to the society and the country as a whole. Swachch Bharat Mission App: This App has been developed to generate more awareness about the cleanliness campaign among the people and connect them with various programmes related to the Swachch Bharat Mission.

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 100 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF OCTOBER - 2015

Institutions and Policies  National Centre for Flexible Electronics (Getting the cutting-edge through research)  Centre for Excellence for Internet of Things (IoT)  e-Governance Policy Initiatives Under Digital India  Electronics Development Fund (EDF) Policy

Nine Pillars of Digital India 1. Broadband Highways 2. Universal Access to Mobile Connectivity 3. Public Internet Access Programme 4. e-Governance: Reforming Government through Technology 5. e-Kranti: Electronic Delivery of Services 6. Information for All 7. Electronics Manufacturing 8. IT for Jobs 9. Early Harvest Programmes

SCHEME-21 MUDRA Bank MUDRA stands for Micro Units Development and Refinance Agency. The MUDRA Bank has been set up through as statutory enactment. The lending priority will be given to SC/ST enterprises. The bank has been allotted a Refinance Fund of Rs. 20,000 Crores from the shortfalls of Priority Sector Lending. It will regulate and refinance all MFI who lend to MSME engaged in small manufacturing, trade or services. It will partner all state/regional level coordinators to provide easy finance to even the remote investors. The primary functions of MUDRA Bank are:  Frame policy guidelines for micro/small enterprise MFIs  Registration of MFIs  Regulation of MFIs  Promoting and regulating responsible finance in favour of client welfare, remove indebtedness and provide proper protection principles and recovery methods  Accreditation and rating of MFIs  Promoting right technology solutions for problems faced by MFIs and borrowers.  Framing a robust architecture for Last Mile Credit Delivery to MSMEs under the umbrella of Pradhan Mantri Mudra Yojana. The MUDRA Bank will be a powerful step to provide Refinance to Last Mile financers and borrowers. However, it may promote shadow banking and channelize MFIs away from the mainstream banking system. This may stand juxtaposed to the global trend which discourages shadow banking and let the main-line banking system address financing needs of all segments of society. Best of Luck Pramod Padhi.

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HIGHLIGHTS

OPSC OCS Special Volume – 3 (November-2015)

Major Programmes & Schemes launched by Govt. of Odisha & CSAT Model Set

B – 61 A & B, Saheed Nagar & Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar 101 Leading Institute for Banking, Railway & SSC Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] VANIK PROVIDES

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1. BEST FACULTY OF INDIA FOR CLASSES COMPARE TO ALL OTHER EXAMPLE : APTITUDE-6 VOL, REASONING-4 VOL , ENGLISH-3VOL, INSTITUTE. COMPUTER-2 VOL, BANKING AWARENESS-2 VOL, MARKETING-2 2. Highest no of hours in every subject for better understanding. Total VOL, CURRENT AFFAIR : DAILY SHEET, 6 NOS MONTHLY MAGAZINE hours for banking - 400+HRS (6 MONTHS DAILY 2 ½ HRS CLASS ) ,2 NOS HALF YEARLY MAGAZINE , PREVIOUS YEAR PAPERS OF - IBPS AND SSC - 550+ HRS (6 MONTH DAILY 5 HRS CLASS ) PO, IBPS CLERK, SBI PO, SBI CLERK, PRACTICE PAPERS FOR EXAMPLE : APTITUDE-80HRS, REASONING-70HRS, ENGLISH-70HRS, UPCOMING EXAMS COMPUTER-40HRS, BANKING AWARENESS-30HRS, MARKETING-30HRS, FOR SSC students extra volume of materials and General study material CURRENT AFFAIRS-50HRS, GENERAL STUDIES-120HRS (HISTORY, (HISTORY, GEOGRAPHY, POLITY, LIFE SCIENCE, ECONOMICS, PHYSICS & GEOGRAPHY, POLITY, LIFE SCIENCE, ECONOMICS, PHYSICS & CHEMISTRY ) CHEMISTRY) 3. Separate vocabulary class (1000 - BANKING AND 1500 WORDS - SSC ) 15. Interview classes , mock interview with video recording and analysis 4. Separate traditional GK class for easily remember GK in the class 16. Personal development and group discussion class itself. (50 hrs) 17. Weekly 3 online mock test of upcoming exams with discussion. 5. Time to Time motivational class and classes how to crack the exam by (MTD- MOCK TEST & DISCUSSION our experts. 18. Unlimited online practice tests as per your choice (MCT - MY CHOICE 6. Daily Doubt clearing classes . TEST ) 7. Different technique of teaching style for easy understanding 19. Separate online test subject wise and topic wise test ( SBT - SUBJECT 8. Daily class test of every class after the class BASED TEST AND TBT - TOPIC BASED TEST ) 9. Weekly test of weekly covered topics of all subjects 20. Hostel (both boys and ladies separately) 10. Class room assignment practice and discussion of every topic in class 21. In campus canteen facility it self 22. Largest Campos with modern infrastructure compare to all other 11. Daily current affair handouts before the class institute at bhubaneswar 12. Weekly current affair class with weekly C/A question discussion class. 23. 24 hrs study room for self study 13. Best material with work book for practice more question at home 24. Modern computer lab with wi- fi campus 14. Highest no of material. Total -25+ VOLUMES FOR BANKING AND 30+ 25. HIGHEST LEVEL OF SUCCESS RATE VOLUMES FOR SSC STUDY MATERIAL KIT (Total 25 Volumes)

MONTHLY ISSUE - SEPTEMBER - 2015 MARKETING

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