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MONTHLY ISSUE - SEPTEMBER - 2017 CurrVanik’s ent Affairs

IAS Vanik’s Question Hub CHOOSING THE Vanik’s Practice Set RIGHT OPTIONAL FOR Vanik’s Extra Dose UPSC CSE - 2017 Vanik’s Knowledge Garden VA N I K S A H E E D N A G A R C E N T R E VA N I K C U T TA C K C E N T R E

Centralized A/C Counseling Central A/C Classroom Fully Wi-Fi Enabled Lab Interview Grooming Session Food Court WHY YOU SHOULD JOIN VANIK INSTITUTE FOR “BANKING, RAILWAY AND SSC”

1. BEST FACULTY OF INDIA FOR CLASSES COMPARE TO ALL 18. Weekly Current Affairs handout separately. OTHER INSTITUTE. 19. Weekly newspaper reading classes. 2. Highest no of Classes from basic to advance level. 20. One month free online test (MTD – Banking Test & Discussion) 3. Highest no of hours in every subject for better understanding. and six month free practice test (TBT, SBT, MCT, FPT & PPT) Total hours for banking - 450+HRS (6 MONTHS DAILY 2 HRS 21. Two month free online test (MTD, VTD) and six month free CLASS) AND SSC - 750+ HRS (6 MONTH DAILY 4 HRS CLASS) practice test (TBT, SBT, MCT, FPT & PPT) 4. Separate vocabulary class (1000 - BANKING AND 2000 WORDS 22. Interview classes , mock interview with video recording and - SSC) (Weekly Once) analysis 5. Special class for upcoming exams. 23. Personal development and group discussion class 6. Separate traditional GK class for easy remember GK in the class itself. 24. LARGEST ONLINE TEST PLATFORM (VOTE - VANIK ONLINE TEST 7. Time to Time motivational class and classes how to crack the AND EXPLANATION ) Separately for Bank PO, Bank Clerk, SSC & exam by our experts. Railway 8. Separate Doubt clearing classes , personal doubt clear with 25. Weekly 3 online mock test of upcoming exams with discussion faculty. (MTD- MOCK TEST & DISCUSSION and VTD - VANIK TEST & 9. Daily class test of every class after the class (Offline) DISCUSSION ) 10. Weekly test of weekly covered topics of all subjects (Online) 26. Online weekly class test of all batch (YOU CAN GIVE EVERY 11. Monthly class test for monthly cover topics. BATCH CLASS TEST ONLINE (CTD- CLASS TEST & DISCUSSION 12. Class room assignment practice and discussion of every topic 27. Unlimited online practice tests as per your choice (MCT - MY in class it self CHOICE TEST). 13. Daily current affair handouts before the class 28. Separate online test subject wise and topic wise test ( SBT - 14. Weekly current affair class with weekly C/A question & test SUBJECT BASED TEST AND TBT - TOPIC BASED TEST). discussion class. 29. Hostel (both boys and ladies separately). 15. Best material with work book for practice more question at home. 30. In campus canteen facility. 16. Highest no of material. Total -25+ VOLUMES FOR BANKING 31. 24 hrs study room for self study AND 35+ VOLUMES FOR SSC. 32. Highest level of success rate. 17. Daily Quiz (Banking & SSC Separately). 33. Descriptive English Classes. BANKING STUDY MATERIAL (25nos.) SSC STUDY MATERIAL (35nos.) Reasoning APTITUDE ENGLISH VANIK V V V V V VANIK A A A A A N N N N N I I I I I K K K APTITUDE BANKING K K for Bank PO & Clerical for Bank PO, Clerical & REASONING for Bank PO, Clerical & Awareness

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 CONTENTS

Topics Page No

Events of the Month 3  Economy and Banking 11  International news 18  National news 22  Recent Govt. Development & Scheme 25  Bilateral 27  State news 29  Award and Honour 33  Person in news 35  Places in news 37  Sports 38  Science and Technology 41  Environment and Ecology 43  Defence 43  Recent Summit in News 44  Committee and its Function 45  Book and Author 45  Miscellaneous 46  Date and Observation 47  Vanik Question Hub 200 MCQ on Current Affairs - 48 100 MCQ on SSC/Railway - 57 40 MCQ on Computer - 61 20 Special MCQ on Banking - 63

 Practice Set  Vanik Extra Dose

RRB-PO (Prelim) - 65 Who’s Who - 105 RRB-Clerk (Prelim) - 74 Abbreviation - 111 SSC-CGL (Tier-I) Set-1 - 85 Editorial word from Hindu - 112 SSC-CGL (Tier-I) Set-2 - 94

 Choosing the Right Optional for UPSC CSE-2017 - 114 MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 EVENTS OF THE

MONTH The road, which passes through Bhutan’s territory, has significantly enhanced China’s military logistics in the region. China is now in the process of extending the Beijing- Lhasa high speed railway line to Yadong, and is expected to begin test runs in less than two years. China was reported to have Pressured Bhutan by saying it would not agree to a border deal until Bhutan allowed it to open a diplomatic mission in that country. China describes the construction of 1. TENSION @ TRI- the border road as “legitimate”, maintaining that it was being built on Chinese territory that does not belong to India or JUNCTION Bhutan and no other country had the right to interfere. China also feels that Bhutan is an internationally recognised country It has been more than a month now since Indian and its sovereignty is to be respected. Even if the boundary troops and the People’s Liberation Army of China have been is delimited, no third party should interfere and make in a stand-off at Doklam at the tri-junction between India, irresponsible comments. India was likely intended to avoid Bhutan and China. Tensions flared in mid-June, when China drawing Bhutan into the controversy. began constructing a road in the disputed Doklam Plateau. China has demanded the withdrawal of Indian In a cold, isolated Himalayan plateau where three countries troops from a scrap of disputed territory to end an escalating converge, an old rivalry is heating up. New Delhi and Beijing border row between the two Asian powers that has drawn in are locked in heated verbal exchanges over what each sees tiny Bhutan. Beijing claims the Indian troops are occupying as encroachment onto a particularly sensitive spot: the tri- its soil, but both Bhutan and India maintain the area in junction where India, China, and Bhutan converge. All three question is Bhutanese territory. Analysts maintain that armed are parties to the simmering dispute. conflict between the two Asian powers is unlikely, but say For the first time India and China had squared off the harsh language and scale of the mobilisation in the remote on the soil of a third country, an overt display of the escalating but strategically important area, where the borders of China, regional rivalry between the pair. The issue erupted last month India and Bhutanintersect, is unprecedented in recent years. when Indian troops blocked Chinese road works in Doklam Beijing considers the plateau vital to fortify the in an unarmed confrontation involving bumping chests dagger-shaped Chumbi Valley by piercing the trijunction of against each other. China says the Doklam plateau is its these countries. The Trijunction is of immense strategic territory and whatever its dispute in the area with Bhutan, significance to the three countries. In recent years, China Indian troops have unnecessarily butted in. Indian media has been building an elaborate network of roads wide enough reports say Bhutan asked New Delhi for help in the matter. to transport artillery guns, light tanks and heavy vehicles to As it is, Bhutan is dependent on its big neighbour India enhance its military presence. Doklam is critical as it brings strategically, politically and economically. China even closer to the India border in a vulnerable location Doklam plateau is a 269-sq km plateau in Bhutan, towards the direction of the 27-km-long Siliguri Corridor or which overlooks the strategic Chumbi Valley. The plateau is ‘chicken’s neck’ that links the northeastern states to the rest claimed by China. Bhutan has a written agreement with China of India. To avoid escalation, frontline troops in the area do that pending the final resolution of the boundary issue, peace not generally carry weapons, and the Chinese and Indian and tranquility should be maintained. Now the construction troops reportedly clashed by “jostling”: bumping chests, of road raised concerns between Bhutan and China. without punching or kicking, in order to force the other side backwards.

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China–India relations, also called Sino-Indian relations or Indo-China relations, refers to the bilateral relationship between the People’s Republic of China (PRC) 2. INDIA GETS 14TH and the Republic of India. The modern relationship began in 1950 when India was among the first countries to end formal ties with the Republic of China (Taiwan) and recognize the PRESIDENT: RAM NATH PRC as the legitimate government of Mainland China. China KOVIND and India are the two most populous countries and fastest On July 20, 2017, BJP-led National Democratic growing major economies in the world. Growth in diplomatic Alliance (NDA) nominee Ram Nath Kovind was elected as and economic influence has increased the significance of the 14th President of India. Mr. Kovind defeated Opposition their bilateral relationship. Currently, ties between India & candidate and former Lok Sabha Speaker Meira Kumar. China have severely deteriorated due to a military standoff President Pranab Mukherjee’s term is ended on July 24, 2017 in Bhutan. and the India’s 14th President Mr. Ram Nath Kovind will Relations between contemporary China and India succeed win on July 25, 2017.After Kocheril Raman have been characterised by border disputes, resulting in Narayanan, India will have its second Dalit President in Ram three military conflicts — the Sino-Indian War of 1962, Nath Kovind (71). Mr. Kovind secured an impressive victory, the Chola incident in 1967, and the 1987 Sino-Indian receiving more than the number of votes pledged to him, skirmish. However, since the late 1980s, both countries have signifying acceptance levels that go beyond the NDA’s successfully rebuilt diplomatic and economic ties. In 2008, political spectrum. China became India’s largest trading partner and the two In the final vote count, NDA nominee Kovind countries have also extended their strategic and military received 65.6% votes translating into 702,044 electoral college relations. votes, while UPA candidate Meira Kumar managed to get Despite growing economic and strategic ties, there 34.35% (367,314 votes). 522 MPs voted for Kovind, while are several hurdles for India and the PRC to overcome. 225 parliamentarians voted for Meira Kumar. Counting The two countries failed to resolve their border happened under the supervision of Lok Sabha secretary dispute and Indian media outlets have repeatedly reported general Anoop Mishra, who is also the Returning Officer for Chinese military incursions into Indian territory. Both Presidential Election. In the last Presidential polls held in countries have steadily established military infrastructure 2012, Pranab Mukherjee had defeated PA Sangma by over along border areas. Additionally, India remains wary about 69% votes. China’s strong strategic bilateral relations with Pakistan, while About Ram Nath Kovind: China has expressed concerns about Indian military and  71-year old Ram Nath Kovind was born on October economic activities in the disputed South China Sea. 1, 1945, in Kanpur Dehat, Uttar Pradesh.  He was an advocate by profession and had Chinese President Xi Jinping’s brief meeting with practiced in Supreme Court and Delhi High Court. Prime Minister Modi and his remarks at the BRICS meeting  Prior to started practising the law, he had cleared on the sidelines of the G20 summit advocating ‘political and Civil Services Examination in third attempt but did peaceful settlement of regional conflicts and disputes’ not join as he was selected for allied services. indicates the face-off will cool down. At the recent Shanghai  He had entered in active politics in 1994 when he Cooperation Organisation (SCO) summit, Modi told Xi the became member of Rajya Sabha from Uttar Pradesh. two nations must not turn differences into dispute. China’s  He had served as an MP for two consecutive terms conditionality that Indian troops must withdraw first for any till 2006. He also had served as national dialogue to start can be softened by employing the principle spokesperson of BJP. of simultaneity. As has happenend in the past, both sides  He was also former President of the BJP Dalit can withdraw together from Doklam and prevent the dispute Morcha (1998-2002) and also President of the All- escalating into a bigger conflict. India Koli Samaj as well as the SC/ST representative at IIM-Calcutta.

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 He also had represented India in United Nations in run by the Council of Ministers. In performing all his New York and addressed United Nations General functions, the President follows the advice of the Prime Assembly (UNGA) in October 2002. He also had Minister. He appoints the Prime Minister. worked as the private secretary of then Prime In case no party gets a majority, he ensures the installation Minister Morarji Desai in 1977. of a ministry headed by a person who in his opinion can  Kovind also had served as a member of the Board command a majority support in Lok Sabha. He can ask the of Management of Dr. BR Ambedkar University, Prime Minister to prove his majority in the Lok Sabha within Lucknow. a fixed period. It is the duty of the Prime Minister to inform  He was also a member of the Board of Governors of the President about all matters concerning the administration. Indian Institute of Management (IIM), Kolkata. In The President can call for any information from the Prime August 2015, he was appointed governor of Bihar. Minister. Election of President of India – Process: (ii)Appointment-making Powers:  In the election of the President, the citizens play no All major appointments and promotions are made by the direct part and he/she is elected indirectly by the President. He appoints the Prime Minister and on his advice representatives of the people. other ministers of the Union Government He also appoints  Process of election of President of India has been the Chief Justice of India, Judges of the Supreme Court and mentioned in Article 54 and 55 of Indian State High Courts, Governor of each State, Lt. Constitution. Governors and Chief Commissioners of the Union Territories,  The President is elected by the members of an Attorney General of India, Comptroller and Auditor General electoral college consisting of the elected members of India, Chairman and Members of UPSC, Chief Election of both Houses of Parliament (MPs) and the elected Commissioner and two other Election Commissioners, members of the Legislative Assemblies (MLAs) of members of other statutory commissions and India’s the States. Ambassadors, High Commissioners, Consuls and Envoys  It is to be noted that Members of Legislative Council to other countries. All these appointments are made by the of States are not a part of the Electoral College. President on the advice of the PM and his Council of  The value of an MLA’s vote depends on the Ministers. population of his or her State and the value of an (iii) Role in Foreign Relations: MP’s vote remains the same at 708 votes. As the Head of the State, the President sends India’s  A candidate needs more than 50% votes to win ambassadors and envoys to foreign countries. He receives presidential polls. the foreign ambassadors in India. All diplomatic relations takes place in his name. All international treaties are The following qualifications are essential for a negotiated and signed by the Government of India in the candidate seeking election to the office of the name of the President. President: (iv) Supreme Commander of the Armed Forces: 1) He should be a citizen of India, The President is the supreme commander of the defence 2) He should be of 35 years or above of age forces of India. He makes all higher appointments and 3) He should be qualified for becoming a member of promotions in f the defence forces. He grants all military the Lok Sabha, honours and titles for acts of bravery and commendable 4) He should not hold any office of profit, and service to the nation. 5) He should not be a member of the Parliament or of a B. Legislative Powers of the President: State Legislature. The Constitution gives legislative powers of the Union to Powers of the President: the Parliament. The President is not a member of either of the A. Executive Powers of the President: two Houses of Parliament. But all law making is done by the (i) Administrative Powers: Parliament the name of the President. Without becoming its The President is the head of executive and of the member, the President acts as an inseparable part of the administration of India. All executive powers have been vested Parliament. All bills passed by the Parliament become laws in him. All executive actions of the Government of India are only when signed by the President. taken in the name of the President. He gets the administration

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He has several legislative powers: C. Financial Powers, of the President: (1) The President has the power to summon and (i) No money bill can be introduced in the Parliament prorogue the sessions of the Parliament or either of without the prior consent of the President. its two Houses. (ii) At the commencement of each year, the President (2) The President can dissolve the Lok Sabha before ensures the presentation of the Budget before the the expiry of its full term of five years. Parliament. (3) In case of an unresolved deadlock over any ordinary (iii) The President controls the Contingency Fund of bill between the two Houses of Parliament, the India. He has the power to order expenditure out of President can summon their joint sitting. it for meeting an unforeseen expenditure. (4) The President can address either or both the Houses (iv) From time to time, the President appoints a Finance of the Parliament at any time. Commission which makes recommendations (5) The President addresses both .Houses of regarding the distribution of revenue between the Parliament at the first session after each general Union and States. election, and at the commencement of the first D. Judicial Powers of the President: session of each year. As Head of State, the President has the power to grant pardon, (6) The President can nominate two members from the reprieve, respite, suspension, commutation or remission of Anglo-Indian community to the Lok Sabha. punishment of any criminal. (7) President nominates 12 members to the Rajya Sabha In considering all mercy petitions, the President depends from amongst the eminent persons belonging to upon his own discretion and in accordance with some the fields of Art, Science, Literature or Social Service. accepted norms. (8) The President has the power to send messages to Further, the President can seek the advice of the Supreme either House of Parliament. Court of India over any legal matter or a bill of public (9) Money Bills can be introduced only in the Lok Sabha importance. The Supreme Court is bound to give such an and that too with the prior permission of the advice (Art 143). However, the President is not bound to President. accept the advice given by the Supreme Court. (10) A bill relating to re-organisation of states or change E. Emergency Powers of the President: of boundaries or name of a state can be introduced The Constitution of India contains some provisions for in the Parliament only with the prior consent of the dealing with emergencies. President. It gives to the President some powers to deal with (11) The President can approve or disapprove all such three types of emergencies: state bills which the Governor of a state may reserve (i) National Emergency (Art.352) emergency caused for his consent. by war or external aggression or internal armed (12) A bill passed by the Parliament becomes a law only rebellion, after it gets the signatures of the President. The (ii) Constitutional Emergency in a state or states under President can keep the bill pending. He can also Article 356 i.e. emergency arising out of the failure return the bill for reconsideration by the Parliament. of constitutional machinery in any state, and However when the Parliament re-passes for a (iii) Financial Emergency under Article 360 i.e. second time, the President has to sign the bill and emergency arising out of a financial crisis in the it’s becomes a laws. country. (13) During the interval between the two sessions of In respect of these three types of emergencies, the President the Parliament, the President can issue ordinances has been given the power to proclaim the emergency and to which have the same force and effect as a law of take appropriate steps for meeting the emergency. These are Parliament. called the emergency powers of the President. All these legislative powers are exercised by the President only in accordance with the advice of the Prime Minister and Procedure of Impeachment of President of India his Council of Ministers. Under Article 61, the President of India can be removed from the office by a process of impeachment for the violation of the Constitution. The impeachment is to be initiated by either

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House of Parliament.The charges are to be framed in the  He will become the first serving Indian Prime form of resolution, signed at least by 1/4 th members of the Minister to visit Israel – a momentous step after the total members of the House. The President has to be given a two countries officially established diplomatic ties notice of 14 days in advance. The resolution is to be passed in 1992. by 2/3 rd majority of the total members of the House and  Narendra Modi arrived at the Ben Gurion Airport in then it is to be sent to other House for investigation and Tel Aviv and was received by Israel’s Prime Minister decision. If the other House after investigation sustains the Benjamin Netanyahu. charges and passes the identical resolution with 2/3 rd  Prime Minster Narendra Modi stay in the Most majority of the total membership, the President ceases to Secured Place in the world “King David Hotel” and hold office from the date such resolution is passed. was accompanied by Israel’s Prime Minister Benjamin Netanyahu during his visit of three days. Important Events During the Visit Of Prime Minsiter Narendra Modi : 3. INDIA-ISRAEL  Narendra Modi visited the Danziger Flower Farm, where advanced agriculture technologies were RELATION showcased by the Israeli Government and our PM was accompanied by Israel’s Prime Minister Prime Minister Narendra Modi’s three-day visit to Benjamin Netanyahu Israel which is the first by an Indian prime minister to Israel  New fast-growing Israeli Crysanthumun flower resulted in the signing of seven agreements on areas named in honor of Prime Minister Narendra Modi including space, tech and agriculture. and will be called “MODI”. In fact India signed the largest Defense deal with  Modi also visited the Yad Vashem Memorial Israel in April and it was termed as the Largest Defense Museum to honour the memory of the victims of Contract Deal. Also after this visit Prime Minister Narendra the holocaust that counts among the greatest Modi will also attend the G20 Nations meet happening at tragedies in human history. Hamburg in Germany. So this visit along with the G20 meet  Both Prime Ministers made an unscheduled stop at has become a eye catcher for all the news agencies and more Mt. Herzl in Jerusalem to pay respect to the modern than that people are much eager to know about it. zionism founder. Also another primary cause for the keen observation  PM Narendra Modi seals seven MoUs with Israel. is our neighboring countries like Pakistan , China and others  PM announces OCI card for those Indian origin were also keen to know the deals signed. Usually the Leaders persons who have done compulsory military service visiting Tel Aviv ( The Largest City in Israel , not the capital in Israel of Israel) would also visit Ramallah( The de facto  PM Narendra Modi met three Pravasi Bharatiya administrative capital of the Palestinian National Authority). Samman awardees Dr. Lael Anson Best , Mr. Eliyahu But Modi’s plan doesn’t include the visit of Ramallah. Bezalel, Mr. Sheikh Ansari from Israel. Israel  PM Narendra Modi addressed the Indian Capital – Jerusalem Community at the Tel Aviv Community Centre. Prime Minister – Benjamin Netanyahu  Narendra Modi also met Moshe, the young survivor President – Reuven Rivlin of the Chabad House killings during the 26/11 Currency – New Shekel Mumbai attacks of 2008. The Indian PM also offered Why Modi’s Visit Is Important ? long term visas to the family and Moshe.  Prime Minister Narendra Modi is visiting Israel to  Indian PM visited the Indian cemetery in the Israeli mark 25 years of diplomatic relations between the city of Haifa and paid homage to Indian soldiers two nations . who laid down their lives during the World War 1.  The diplomatic relations started in the year 1992 ,  Both countries Prime Minister’s attended the India and Israel established embassies in each Technology exhibition and CEO Business other’s state capitals which marked the formalisation Roundtable at Tel Aviv. of diplomatic ties.

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 PM Narendra Modi has attended the demonstration a five-year technology fund with an aim at growing the of mobile water filtration plant along with his business relationship between both the countries. The similar Israelian Counterpart. type of fund had boosted Israel’s ties with that of the US in MoUs Signed Between India And Israel : the past 40 years.  MoU between the Department of Science & Technology, India and National Technological Innovation Authority, Israel for setting up of India- Israel Industrial R&D and Technological Innovation 4. RBI LIMITS Fund (I4F).  MoU between the Ministry of Drinking Water and CUSTOMER LIABILITY Sanitation of the Republic of India and the Ministry of National Infrastructure, Energy and Water IN ONLINE BANKING Resources of the State of Israel on National Campaign for Water Conservation in India. Reserve Bank of India (RBI) said Customers will not  MoU between U.P. Jal Nigam, Government of Uttar suffer any loss if unauthorised online banking transactions Pradesh, of the Republic of India and the Ministry are reported within three days and the amount involved will of National Infrastructure, Energy and Water be credited in the accounts concerned within 10-days. In Resources of the State of Israel on State Water case the third party fraud is reported with a delay of four to Utility Reform in India. seven working days, a customer will face liability of up to Rs25,000. However, in cases where the loss is due to  India-Israel Development Cooperation – Three Year Work Program in Agriculture 2018-2020. negligence by the account holder (such as sharing of payment credentials), the customer will bear the entire loss until the  Plan of Cooperation Between the Indian Space Research Organisation (ISRO) and the Israel Space unauthorised transaction is reported to the bank. Agency (ISA) regarding cooperation in Atomic Any loss occurring after reporting of the Clocks. unauthorised transaction will be borne by the bank, RBI said  MoU between the Indian Space Research while issuing revised directions on ‘Customer Protection – Organisation (ISRO) and the Israel Space Agency Limiting Liability of Customers in Unauthorised Electronic (ISA)regarding cooperation in GEO-LEO Optical Banking Transactions’. RBI said the revised directions are Link. being issued amidst recent surge in customer grievances  MoU between the Indian Space Research relating to unauthorised transactions resulting in debits to Organisation (ISRO) and the Israel Space Agency their accounts/cards. There will be “zero liability of a (ISA) regarding cooperation in Electric Propulsion customer” in case of third party breach where the deficiency for Small Satellites. lies “neither with the bank nor with the customer but lies Other Important Takeaways elsewhere in the system”. However, the customer will have OCI card: Prime Minister Modi has assured faster facilitation to notify the bank within three working days of receiving the of OCI cards for Jewish Citizens of Indian origin in Israel. He communication from the bank regarding the unauthorised also assured that the OCI card will be given even to those transaction. A customer’s entitlement to zero liability will also people of Indian origin who had served in the Israeli arise where the unauthorised transaction occurs due to government’s compulsory army service. “contributory fraud/negligence/deficiency on the part of the Air Connectivity: The launch of a new Air India flight bank (irrespective of whether or not the transaction is connecting India and Israel was announced, the flight is reported by the customer)”, RBI said. expected to connect Delhi/Mumbai with Tel Aviv. The maximum liability of a customer will be Rs25,000 Strategic partnership: India and Israel have announced that in cases where the responsibility for the unauthorised they have elevated their ties to a strategic partnership as electronic banking transaction lies neither with the bank nor India has identified Israel as a major development and with the customer, but lies elsewhere in the system and when technological partner. Both countries have also agreed to there is a delay of four to seven working days. If the fraud is combat growing radicalization and terrorism and expand co- report after seven days, the customer liability will be operation in cyber security. determined as per the bank’s Board approved policy. The Israel India Innovation Initiative Fund (I4F):The $40 million maximum liability of a savings bank account customer will be Israel India Innovation Initiative Fund has been launched as Rs10,000 in such cases.

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Referring to reversal timeline for Zero Liability/ On 30 June 2017, Union Finance Ministry notified Limited Liability of customer, RBI said the bank should credit the revised and reduced Rates of Interest on various Schemes (shadow reversal) the amount involved in the unauthorised including Post Office Savings Schemes for the Q2 July-Sep electronic transaction to the customer’s account within 10 period of Financial Year 2017-18 effecting from 01 July 2017 working days of reporting of the fraud. This has to be done and 30 September 2017. Rates on all Small Savings Schemes without waiting for settlement of insurance claim, if any. RBI have been reduced by 0.10 %, the second consecutive rate further said that banks must ask their customers to cut leading to lower returns on various Schemes i. e. PPF, mandatorily register for SMS alerts and wherever available KVP, Sukanya Samridhi Accounts and Post Office Savings register for e-mail alerts, for electronic banking transactions. Deposits. The SMS alerts shall mandatorily be sent to the customers, while email alerts may be sent, wherever registered. Details of Interest Rates Interest Rates for New Rates for What is “Zero Liability of a Customer”? are as follows: Schemes Q1 FY 2017-18 Q2 FY 2017-18 A Customer’s Entitlement to Zero Liability shall arise where Public Provident Fund 7.9 % for Q1 of FY 7.8 % for Q2 of (PPF) 2017-18 FY 2017-18 the Unauthorized Transaction occurs due to Negligence/ Kisan Vikas Patra (KVP) 7.6 % (Doubled in 7.5 % (Doubled in Deficiency on the part of the Bank irrespective of whether or in Post Offices 113 Months i.e. 9 115 Months i.e. 9 not the transaction is reported by the customer. Third Party years 5 months) years 7 months) Five year National 7.9 % for Q1 of FY 7.8 % for Q2 of Breach where the Deficiency lies neither with the Bank nor Savings Certificates 2017-18 FY 2017-18 with the Customer but lies elsewhere in the System, and the (NSC) Five year Senior Citizen 8.4 % for Q1 of FY 8.3 % for Q2 of Customer notifies the bank within 3 working days of receiving Savings Scheme in P. O. 2017-18 FY 2017-18 the Communication from the Bank regarding the Unauthorized Sukanya Samridhi 8.4 % for Q1 of FY 8.3 % for Q2 of Transaction. Account in Bank and 2017-18 FY 2017-18 Post Office What is “Limited Liability of a Customer”? 1-2 years, 2-3 years, 3-4 Between 6.9 % and Between 6.8 % A Customer shall be liable for the Loss Occurring due to years and 5 year Term 7.7 % for Mar-June and 7.6 % for Deposits in Post Offices Quarter of 2017-18 July-Sep Quarter Unauthorized Transactions in cases where the loss is due to of 2017-18 negligence by a Customer, such as where he has shared the Five year Recurring 7.2 % for Mar-Jun 7.1 % for July- Payment Credentials, the Customer will bear the entire loss Deposits in Post Offices 2017 Quarter of Sep 2017 Q2 of 2017-18 2017-18 until he reports the Unauthorized Transaction to the bank. Any loss occurring after the reporting of the Unauthorized It is to note that, Interest Rates for Small Savings Schemes Transaction shall be borne by the Bank. In cases where the are notified by the Union Government on Quarterly basis. responsibility for the Unauthorized Electronic Banking Prior to 01 April 2016, it was fixed on yearly basis by the Transaction lies neither with the Bank nor with the Customer, Union Finance Ministry. Earlier on 31 Mar 2017, the Union but lies elsewhere in the System and when there is a delay of Finance Ministry had reduced the Interest Rates on all 4 to 7 working days (after receiving the Communication from Government Savings Schemes by 0.10 %, which was effected the bank) on the part of the Customer in notifying the Bank for Q1 periods of the FY 2017-18 i.e. for the period between of such a Transaction, the Per Transaction Liability of the 01 April 2017 and 30 June 2017. customer shall be limited to the Transaction value or the amount mentioned, whichever is lower. PUBLIC PROVIDENT FUND  Deposit Amount as low as Rs.500 and maximum Rs.1,50,000 in one financial year. 5. GOVERNMENT  Any amount deposited in excess of Rs 1.5 lacs in a financial year won’t earn any interest.  The current interest rate effective from 1 April 2017 LOWERED INTEREST is 7.8 % (compounded annually).  Interest will be paid on 31 March every year. RATES ON SMALL  Good long term investments of 15 years  The amount can be deposited in lump sum or in a SAVINGS SCHEME BY maximum of 12 installments per year. 0.10% FOR Q2 OF FY  Duration Of Scheme: Original duration is 15 years. Thereafter, on application by the subscriber, it can 2017-18 be extended for 1 or more blocks of 5 years each. 9 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

KISAN VIKAS PATRA NATIONAL SAVINGS CERTIFICATES (INDIA) KPV are regulated by KVP Rules 2014, Scheme is available National Savings Certificates, popularly known as NSC, is through Post Offices&those banks that are authorized to an Indian Government Savings Bond, primarily used for small operate PPF scheme. savings and income tax saving investments in India. It is Denomination: Rs.1000, Rs.5000, Rs.10000 & Rs.50000 part of the postal savings system of Indian Postal Service Types of certificates: Category Single, Joint A-Type&Joint (India Post). These can be purchased from any Post Office in B-Type (E/S). India by an adult (either in his/her own name or on behalf of Maturity period: 115 Month a minor), a minor, a trust, and two adults jointly. These are Rate of Interest: 7.5%. issued for five and ten year maturity and can be pledged to Rate of interest: Rs.1000 becomes double during the maturity banks as collateral for availing loans. The holder gets the tax period. benefit under Section 80C of Income Tax Act, 1961. 1. Nomination facility, 2. Pledge for loan facility& 3. pre-mature payment after 2 years & 6 months subject to certain SENIOR CITIZEN SAVINGS SCHEME  As the name suggests, any individual aged 60 and conditions, is eligible. above can invest in it. Early retirees between 55 and SUKANYA SAMRIDDHI ACCOUNT 60 years, who either opted for the voluntary  The scheme was launched by Prime Minister retirement scheme (VRS) or superannuation, can also Narendra modi on 22 January 2015 as a part of the invest in the scheme, provided the investment is Beti Bachao, Beti Padhao campaign for the future done within a month of receiving retirement benefits. education and marriage expenses of female child.  Retired defence personnel, excluding civilian  The scheme currently provides an interest rate of defence personnel, can invest in this scheme 8.3% (for July 2017 to October 2017 ) irrespective of their age, subject to other conditions.  The account can be opened at any India Post office  Non-Resident Indians (NRIs) and Hindu Undivided or branch of authorised commercial banks. Families (HUFs) are not allowed to invest SCSS.  The account can be opened anytime between the  An individual, singly or jointly, can open an SCSS birth of a girl child and the time she attains 10 years account by investing up to Rs 15 lakh (in multiples age by the guardian. Only one account is allowed of Rs 1,000) only. The amount invested in the per child. Parents can open a maximum of two scheme also cannot exceed the money one receives accounts for each of their children (exception on retirement. Therefore, one can invest either Rs allowed for twins and triplets). The account can be 15 lakh or the amount received as a retirement transferred to anywhere in India. benefit, whichever is lower.  A minimum of Rs 1,000 must be deposited in the  The account can be opened by cash for amounts account annually. The maximum deposit limit is Rs below Rs 1 lakh and by cheque only for Rs 1 lakh 150,000. If the minimum deposit is not made in a and above, as per the senior citizen scheme rules year, a fine of Rs 50 will be levied. on the Income Tax.  100% amount can be withdrawn after the girl is 21  50% withdrawal is possible after the girl is 18. ( for  illness, education or marriage)  No withdrawal is allowed if the girl is below 18.  Account can be closed when the girl is 21.  It can be continued after 21, but till the girl gets married  Deposits are made for first 14 years, after this period the account will earn only applicable rate of interest. If the account is not closed, then it will not earn interest at the prevailing rate.

10 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 ECONOMY RBI IN NEWS Second bi-monthly monetary policy for 2017-18  Rural Population 2011- 83,34,63,000 highlights  Urban Population 2011- 37,71,06,000 The following are the highlights of the second bi-monthly  Population Increase from 2001-2011 – 17.70% monetary policy for 2017-18 as announced by the RBI: [Highest in Dadra and Nagar Hawelli- 55.88%  Repo rate unchanged at 6.25%, followed by Meghalaya- 29.85%]  Reverse repo under the LAF unchanged at 6%  Sex ratio-2011 – 943 [Highest in Kerala- 1084  The Marginal Standing Facility (MSF) rate and the followed by Puducherry- 1037 ; Lowest daman and Bank Rate unchanged at 6.50 per cent. Diu- 618 ; In states lowest Haryana- 879]  Statutory Liquidity Ratio cut by 0.5% to 20%  Literacy rate 2011- 72.99% [Highest Kerala- 94% ;  Growth forecast for 2017—18 lowered to 7.3% from Lowest Bihar- 61.80%] 7.4%  Density of Population 2011- 382(per sq km) [Highest-  Inflation projected at 2—3.5% for H1, 3.5—4.5% NCT of Delhi] H2, FY18 Banking Sector As in 2015(end of March), Southern Region had maximum RBI increased Foreign Investment Limit in number of offices of Scheduled Commercial Banks with 36,654 Government Securities above 4 % for Sept offices while individually state Uttar Pradesh had maximum Quarter number of office of SCB- 15,773  RBI has raised FPI limit in Government Securities by 4.7 % to Rs. 2.42 billion for July-September RBI directive on withdrawals, transfers by Quarter of Financial Year 2017-18 with an aim to payment banks increase Foreign Capital Inflows. The Reserve Bank of India has said that if a payment bank  Earlier the limit was Rs. 2.31 billion. (PB) has made arrangements with other banks to act as their  Further, the RBI has planned for future in the Foreign Business Correspondent (BC), then the PB can facilitate Portfolio Investment (FPI) Limit in Government withdrawals and transfers by the customer from his/her Securities (G-Secs) to 75 % against 60 % at present account with the other bank of which it is the BC. Saving for Long Term category of FPI and 25 % for General accounts in PBs can allow customer to deposit up to Rs category. 1,00,000 only. As per earlier directives, PBs can park extra  Accordingly, the FPI will be allowed to raise their money than Rs 1,00,000 in other bank’s account. investment in State development Loans by Rs. 61 Govt lowers interest rate by 0.1 % on small saving billion to Rs. 331 billion for the Q2 of the Current schemes for July-Sep quarter Fiscal. Government has lowered interest rate on small saving  With the new limits, the Overall limit of FPI schemes by 0.1 per cent for the July- September quarter. The Investment in G-Secs will go up to Rs. 2,751 billion move will prompt banks to lower deposit rates. New Interest from Rs. 2,580 billion currently. Rates are: RBI releases Handbook of Statistics on Indian  Public provident fund (PPF) scheme – 7.8 per cent. States 2016-17  Kisan Vikas Patra (KVP) investments – 7.5 per cent Reserve Bank of India released the second edition of its and mature in 115 months. statistical publication titled “Handbook of Statistics on Indian  The one for girl child savings, Sukanya Samriddhi States 2016-17”. This publication follows the ‘one indicator- Account Scheme – 8.3 per cent one table’ approach. Some important points  5-year Senior Citizens Savings Scheme – 8.3 per  Total Population 2011- 1,21,08,55,000 cent.

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RBI to release Rs. 1700 cr towards farm loan agreements, whereby SBI and Carlyle Group will payments acquire GE Capital’s entire stake in SBI Card, the According to a statement from Press Information Bureau second-largest credit card franchise in India. (PIB), an amount of Rs. 23, 000 crore is to be disbursed to the  SBI Card is operated through two joint venture State farmers by the RBI. As an immediate measure, Rs. 1700 companies , SBI Cards & Payment Services and GE crore will be released now. Capital Business Process Management Services, which issue credit cards and process card RBI allows NBFCs to offer new pension scheme transactions in the Indian market. The Reserve Bank of India has allowed systematically  Following the transactions, SBI and Carlyle will own important non banking finance companies to sell and market 74 percent and 26 percent respectively in each of the new pension scheme (NPS). NBFCs with asset size of Rs the two entities. 500 crore and above that have made a net profit in the preceding financial year be permitted to sell NPS to their Nepal SBI launches first paperless Banking clients after registration with the pension regulator. services sbiINTOUCH NBFC & its Functions a) Nepal SBI Bank, a subsidiary of the State Bank of  A Non-Banking Financial Company (NBFC) is a India, on 8th July launched its fully automatic digital company registered under the Companies Act, 1956. banking services sbiINTOUCH in Kathmandu.  Giving loans and advances, acquisition of shares/ b) This is for the first time the State Bank of India has stocks/bonds/debentures/securities issued by expanded the paperless banking system outside Government or local authority or other marketable India. securities c) It will offer customers products like Savings Bank,  NBFCs lend and make investments similar to that Saral Bachat Account and Combo Savings Account like banks. and the branch will have facilities like kiosks for  NBFC cannot accept demand deposits. account opening, debit card printing and ATM.  NBFCs do not form part of the payment and d) Nepal Rastra Bank Governor Chirinjibi Nepal, SBI settlement system and cannot issue cheques drawn Banks chairperson Arundhati Bhattacharya and on itself Indian Ambassador to Nepal Manjeev Singh Puri,  Deposit insurance facility of Deposit Insurance and jointly inaugurated the new service in Nepal. Credit Guarantee Corporation is not available to e) Under the Digtal Village initiative, the NSBL has depositors of NBFCs, unlike in case of banks. adopted Jaharsing Pauwa village to provide financial literacy centres and other banking facilities to the SBI IN NEWS 2,200 villagers. SBI launches website for home buyers Kiosk Banking State Bank of India, the country’s largest commercial bank,  The Kiosk Banking is the initiative taken by the RBI has launched SBI Realty — a one-stop integrated website for those living in villages or other remote areas www.sbirealty.in for home buyers. SBI Realty will help who are deprived of banking services due to the customers to choose their dream home from 3,000 SBI non-availability of a bank branch in their locality. approved projects across the country. These projects are  This can be done through a retailer, who can open a spread across 13 states and Union Territories covering 30 no-frills bank account for a customer by taking the cities, including metros, semi metro and towns. photographs and recording the fingerprints and other necessary details of the customer. SBI creates a wholly owned subsidiary “SBI Infra  The details along with other documents are Management Solutions Pvt. Ltd.” forwarded to the affiliated bank branch to carry out State Bank of India (SBI) has informed that they have created the know-your-customer process. Once the account a wholly owned subsidiary “SBI Infra Management Solutions is up, a customer can withdraw, deposit or remit a Pvt. Ltd.” for providing real estate services to them. maximum of Rs 10,000 per day through the internet- SBI and Carlyle to jointly acquire GE Capital’s enabled kiosk branch. No Cheque book is issued stake in SBI Card  Maximum balance can be Rs 50000. (Balances above  State Bank of India (SBI), the Carlyle Group and GE this can be held, but then account is converted to a have announced that they have signed definitive

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regular bank account and the terms of the bank and US government development finance institution and documentations will apply to these Wells Fargo to fund SME lending. accounts).Minimum Balance -Zero Balance.  Its main objective is to increase lending to small and medium enterprises in India. INVESTMENT & ALLOCATION  SMEs contribute about 45% of industrial output China-led AIIB clears $329-mn loan for building and employ 42 million people in the country. roads in Gujarat villages Classification of Small Industries as per MSME  China-led Asian Infrastructure Investment Bank Development Act,2006 (AIIB) has approved $329 million loan to build access roads to 4,000 villages in Gujarat. Class/Category Manufacturing Service  AIIB multilateral development bank backed by China Micro Investment upto Investment and is seen as a rival to the World Bank and Asian Enterprises Rs.25 lakhs upto Rs.10 lakhs Development Bank (ADB).The capital of the bank Small Investment above Investment is $100 billion. China is highest contributor while Enterprises Rs.25 lakhand above Rs.10 India is second largest shareholder of AIIB upto Rs.5 crore lakhand upto  AIIB Headquarters: Beijing, China. AIIB Presiden:Jin Rs.2 crore Liqun, Vice president: D J Pandian Medium Investment above Investment OTHER BANKS Enterprises Rs.5 croreand above Rs.2 upto Rs.10 crore croreand upto Cooperative Banks to be covered under Digital Rs. 5 crore Transaction Initiatives by March 2018  The MD & CEO of National Payment Corporation Yes Bank inks pact with Santander of India (NPCI) AP Hota has directed all Cooperative Santander UK plc and Yes Bank has signed a memorandum Banks to upgrade their Computerised Operations of understanding to help boost UK-India trade and local for becoming a part of Digital Transactions by business networking opportunities. YES bank - March 2018 in lines with the Unified Payment Headquarters: Mumbai, CEO: Rana Kapoor Interface (UPI). PNB Met Life launched new Scheme for  Currently, the UPI covers all Public Sector Banks customers of Karnataka Bank and other Private Sector Banks.  The scheme is named as Loan Life Suraksha which  It is to note that, the Union Government has set a is a single limited premium plan covering the loan target for Rs. 2500 crore Digital Transactions during liability of a customer. this Financial Year 2017-18.  It is a cover against loan and it provides complete YES BANK Launches ‘YES GST’ Program to protection to one’s family against different types of Assist MSMEs loans such as education, business, home, vehicle  YES Bank, India’s fourth largest private sector bank, etc. along with YES Global Institute has launched ‘YES  This scheme will be available across 769 branches GST’ program for MSMEs (Micro, Small and of the bank Medium Enterprises) under its MSME CSR  MD and CEO of Karnataka Bank is Mahabaleshwara initiative, ‘Say YES to Sustainable MSMEs in India’. M.S.  Through the program, the bank will help MSMEs to  Sameer Bansal is the Director of PNB MetLife. understand the impact of the changes in tax system PNB to block all Maestro debit cards from July and prepare them to know the new GST tax system. 31  YES Bank has also launched GST-Ready products Punjab National Bank has announced that its Maestro debit for MSMEs. cards holders will face a card blockage if they fail to replace YES Bank gets $150 mn from OPIC to fund SME it with a more secure EMV chip based card by the end of this lending month.  YES Bank has got $150 million funding from  As per RBI advisory, existing magnetic stripe only Overseas Private Investment Corporation (OPIC) cards need to be replaced with EMV chip and pin

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based cards by December 31, 2018, irrespective of Karnataka Bank launches Image Debit Card the validity period of the cards. Karnataka Bank has launched the ‘KBL-Image Debit Card’  And from January 31, 2016 onwards, banks are to enable its cardholders to personalise the card with the directed to issue only EMV based debit and credit image of his/her choice. cards. Svatantra Microfin launches cashless solution ICICI Bank-led consortium concludes largest ‘Saathi’ asset resolution Mid-sized microfinance institution Svatantra Microfin, has ICICI Bank led consortium has concluded the largest asset launched an end-to-end cashless solution called Saathi, for resolution with the sale process of the cement business of an entire spectrum of operations in areas such as loan Jaiprakash Associates and Jaypee Cement to UltraTech originating system, loan management system and collections. Cement valued at Rs 16,189 crore. This is the largest asset resolution in the country so far. Canara HSBC Oriental Bank of Commerce Life Insurance ties up with Dhanlaxmi Bank ICICI Bank terminates joint venture agreement Private life insurance company Canara HSBC Oriental Bank with Fairfax of Commerce Life Insurance, has entered into an alliance ICICI Bank has announced that its joint venture agreement with Dhanlaxmi Bank. All the life insurance products of Canara with Canada-based investment firm Fairfax Financial Holdings HSBC Oriental Bank of Commerce Life Insurance would be has been terminated. made available to customers of Dhanlaxmi Bank and would be sold by the licensed staff of the bank. ICICI Bank offers up to Rs 15 lakh instant personal loan via ATMs South Indian Bank ties up with PFG Forex ICICI Bank has launched a facility whereby its existing South Indian Bank has tied up with PFG Forex for remittance salaried customers can avail personal loans at ATMs. These facility for the benefit of Indian expatriates from Australia. customers can get pre-qualified personal loans up to 15 lakhs The new facility will leverage the bank to reach the Indian in their savings account instantly. diaspora. Under this arrangement, NRIs can enjoy cost- FINO becomes payments bank effective and fast remittance services using SIB’s Express facility. FINO Payments Bank has commenced operations as a payments bank with effect from June 30, according to the HDFC ERGO to implement crop insurance Reserve Bank of India. FINO PayTech Ltd, Navi Mumbai, scheme in Andhra Pradesh was one of the 11 applicants which were issued in-principle HDFC ERGO General Insurance Company Ltd has been approval for setting up a payments bank. authorised by Government of Andhra Pradesh to implement Payments banks Weather Based Crop Insurance Scheme (WBCIS) for loanee  These banks can accept a restricted deposit which and non-loanee farmers. The scheme offers insurance cover is currently limited to INR 1 lakh per customer and against losses of farmers due to aberrant weather conditions may be increased further. during the crop cycle – sowing to harvesting stage of crop.  These banks cannot issue loans and credit cards.  Both current account and savings accounts can Indus OS, YES Bank to launch OS-integrated UPI be operated by such banks. payment platform  Payments banks can issue services like ATM cards, Domestic android-based mobile operating system Indus OS debit cards, online banking and mobile banking. has announced a partnership with YES Bank to launch an  They can distribute non-risk sharing simple financial OS-integrated UPI payment platform. Indian consumers will products like mutual funds and insurance products. be able to use this platform through SMS, dialler interface  Non-resident Indians (NRIs) are not be allowed to and third party apps. Indus OS is the world’s first regional open accounts in payment banks. operating system made for smartphones in India & other  The minimum capital requirement is Rs 100 crore. emerging markets.  On 23 September 2013, Nachiket Mor committee IOB launches retail mart in Thiruvananthapuram recommended the formation of payments bank Indian Overseas Bank (IOB), the Lead Bank for  At present, Airtel, India Post and Paytm are the only Thiruvananthapuram district, has launched the Retail Mart, three entities that have started Payments Bank a retail lending concept, in Kerala’s capital city. The exclusive Operations. FINO PayTech join as fourth.

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P h . : (0674) 6556677, 8093556677. W eb : w w w .vanik.org, E-m ail : van ikb b sr@ gm ail.co m MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 facility that handles retail products has started functioning London. The world’s first ATM was turned into gold for at the main branch of the bank at Statue Junction in celebrations of its fiftieth anniversary. Thiruvananthapuram. SIDBI’s MSME counsellor programme SEBI gets nod for MoU with Iran, EU Small Industries Development Bank of India (SIDBI) has counterparts launched a programme for Certified Credit Counsellors (CCC) The Union Cabinet gave its nod for SEBI to enter into two for micro, small and medium entreprises (MSMEs). The CCCs separate memoranda of understanding (MoU) with securities are expected to advise the entrepreneurs by offering help in market regulators of the European Union and Iran. These preparing business proposals, financial documents and MoUs are expected to strengthen cooperation between India financial statements; and sharing information on suitable and the respective countries on matters pertaining to credit instruments available in the market. securities market. CBDT relaxed Cash Transaction Norms EXIM Bank to sign $9-b export credit pact with  The Apex Body of Direct Taxes in India, Central South Korean counterpart Board of Direct Taxes (CBDT) has exempted certain The Union Cabinet has approved the proposed MoU Cash Transactions above Rs. 2 lakh such as between Export-Import Bank of India (EXIM Bank) and Payment of Credit Card Bills. Export-Import Bank of Korea (KEXIM) for export credit of $9  Under the Finance Act, 2017, the Union Finance billion for infrastructural development in India and for the Minister Arun Jaitley had announced a Ban on Cash supply of goods and services as part of projects in third Transactions of Rs. 2 lakh or above with effect from countries. 01 April 2017 as a part of efforts to promote the Digital Economy. Axis Bank to issue biodegradable prepaid gift  Five categories of Transactions have been kept out cards of the restrictions. These are: Axis Bank Ltd has announced biodegradable prepaid gift  Money received by a Business Correspondent on cards on the occasion of World Environment Day. With this, behalf of a Bank or Cooperative Bank the bank has become the first to introduce biodegradable  Receipt by a White Label ATM operator from Retail cards in the country. The card has the look and feel of regular Outlet sources on behalf of a Bank or Cooperative plastic cards and can be used in PoS terminals and ATMs. Bank Biodegradable cards can also be recycled.  Receipt from an Agent by an Issuer of Prepaid Axis Bank, IIC pact to boost trade with Latin Instruments America  Receipt by a Company or Institution issuing Credit Axis Bank has announced that it will help traders boost Cards against Bills raised in respect of one or more relations between India and Latin America and the Caribbean Credit Cards and in a collaboration with Inter- American Investment  Money received on Account of an Award or Reward Corporation. instituted by Central or State Government would  It will facilitate trade with Latin America and the now not be covered under the Rs. 2 lakh Cash Caribbean in which Axis Bank will participate in the Transaction limit. Trade Finance Facilitation Programme (TFFP) as a India is likely to adopt Jan-Dec Financial Year from confirming bank. 2018  Axis Bank said it is the first Indian Bank to be a part  The Union Government has planned to change the of such a facility. Financial Year Accounting to January and  The Inter-American Investment Corporation (IIC) December from 2018 Financial Year i.e. the financial will be acting on behalf of the Inter-American year will be aligned with the calendar year. Development Bank (IDB).  The Government has taken such decisions based OTHER FINANCIAL NEWS on the Committee Recommendations headed by former Chief Economic Advisor Shankar Acharya World’s first ATM turns 50 which was constituted in July 2016 to study the The brainchild of Scottish inventor Shepherd-Barron, the feasibility and desirability of having new Financial first ATM (automated teller machine) was opened on June Year in Jan-Dec format. 27, 1967, at a branch of Barclays bank in Enfield, north

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 If successfully implemented, it will change the 150 economy by 2020 and Samsung India will spearhead this years old British Tradition, was implemented in India movement. in 1867.  Further, to follow the Jan-Dec Financial year, the Tata Consultancy Services launches app Union Government is planning to present the next development kit for banks Union Budget in November 2017. Global software major Tata Consultancy Services (TCS) has  It is to note that, in May 2017; the Madhya Pradesh launched “BaNCS App Development Kit” (ADK) that will Government has already followed the January- enable banks to fast design and build their own apps and December Fiscal Year format and became the first deploy it across devices and desktops seamlessly. “BaNCS State in India to adopt such format. ADK” will help banks to design and deploy both enterprise and consumer apps in a hybrid architecture, adopting modern Gifts above Rs. 50,000 per year by an Employer principles of responsive web design. to fall under GST  On 11 July 2017, the Union Finance Ministry issued Tax authorities asked NRI to disclose bank details guidelines stating that, Gifts of value more than Rs. outside India 50,000 given by an Employer to its Employee will  The income-tax authorities have added a new fall under the ambit of GST. provision in the tax return form (ITR2) which will  Further, under the Provisions of Section 9 (4) of the require all non-residents to disclose details of their Central GST Act, 2017, Sale of old Jewellery by an bank accounts outside India Individual to Jewellers will not attract GST, however,  They will have to share with the tax office the a GST of 3 % will be applicable to the Jeweller. account numbers of their overseas bank accounts, Further, sale of old cars or two wheelers will not name of the banks, countries where the bank offices attract any GST. are located as well as the Swift codes and Govt asks businesses to register under GST by International Bank Account Numbers (IBAN). July 30  Swift codes help in identifying banks and are used The government asked traders to get registered under the for cross-border wire transfer of funds between Goods and Services Tax (GST) regime by July 30. Traders banks. carrying-out any business with an annual aggregate turnover  IBAN is an extra number over and above the usual in the preceding financial year exceeding Rs 20 lakh (Rs 10 bank account numbers that come handy for making lakh in special category states), need to register in all the or receiving international payments. states/union territories from where they are making taxable  Under taxation rules, residents are those who stay supplies. Businesses with turnover of up to Rs 20 lakh (Rs 10 lakh in special category states) are exempt from GST. more than 182 days in the country during a financial year or at least 60 days during a year in India and at Govt to make MRP, expiry date mandatory on least 365 days over the earlier four financial years. goods sold online from Jan 2018 Those who do not satisfy any of these conditions To protect online consumers, the government has made it are non-residents. mandatory for e-commerce companies from January 2018 to  Non-resident Indians who do not have Indian bank print not only the MRP on goods but also information like accounts will have to give details of their foreign expiry date and customer care details. An amendment in this regard has been made to the Legal Metrology (Packaged bank accounts in income-tax returns — ITR1 and commodities) Rules, 2011 by the consumer affairs ministry ITR2. last month. A six-month deadline has been given to the  However, those who have both Indian and foreign companies to comply with the new rule. bank accounts can give details of either of the two. The details of foreign accounts are not mandatory Samsung to help India become $1 trillion digital for them. economy: Prasad  The Income Tax Act, 1961, and the Income Tax Rules, Information and Technology Minister Ravi Shankar Prasad 1962, require citizens to file their tax returns with announced that the government is aiming at a $1 trillion digital the Income Tax Department at the end of every financial year.

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 ITR1 is to be filed by those who have a total income India’s SERI and Russian Development Bank to of less than Rs 50 lakh, which includes salary, one create $ 200 million IT & Innovation Fund house property and other incomes. ITR2 is to be  In order to strengthen Indo-Russian Relationship filed by individuals and Hindu undivided family who in the field of Innovation and Information do not come under the aforementioned category. Technology, Kolkata based SERI Infrastructure Finance has signed a MoU with Russia’s e-Commerce Companies to mark MRP and Expiry Vnesheconombank to create a $ 200 million IT & Date on Goods Sold Online from Jan 2018 Innovation Fund.  On 9 July 2017, the Union Government has made it  The MoU was signed in June 2017 in International mandatory for e-Commerce Companies to print not Economic Forum at St Petersburg in the presence only the MRP on Goods but also information like of PM Modi and Russian President Vladimir Putin. Expiry Date and Customer Care details effecting from  The fund will enable SREI and Vnesheconombank 01 January 2018 to protect online consumers. to jointly explore Investment Opportunities in  In June 2017, the Union Consumer Affairs Ministry Technology companies in Russia, India and other has amended the Legal Methodology (Packaged selected Regions. Commodities) Rules, 2011 and six months deadline has been given to the e-Commerce companies to MobiKwik integrated with Samsung Pay Mini comply with the new rule. Mobile wallet major MobiKwik has integrated its wallet into  Presently, only MRP is printed on the goods are Samsung Pay Mini, a mobile payment platform focussed on sold online. Samsung’s budget and mid-range phones. Samsung Pay Mini is designed to cater to the unique requirements of Indian MERGER AND ACQUISITION mid-segment consumers. Union Cabinet approved the merger of HPCL and SURVEY ONGC  The CCEA headed by Prime Minister Narendra Modi RBI report sees India’s economic growth rate at has given its In-Principal approval for merger of 7.3% in 2017-18 Hindustan Petroleum Corporation Limited (HPCL) According to Financial Stability Report 2017 released by The with the Oil and Natural Gas Corporation (ONGC). Reserve Bank, the ongoing accelerated reform initiatives like  After the merger, the HPCL will be listed as a Goods and Sevice Tax and continuing political stability will Subsidiary of ONGC and ONGC will hold 51.11 % of push the economic growth. According to report, the GVA Government’s Stake. The entire Government’s Stake growth is expected to be higher at 7.3 per cent in 2017-18. of 51.11 % will fetch around Rs. 29,000 crore to the India on track to grow at 7.4 per cent in 2017: ONGC. ADB report  With this stake acquisitions, the total Stake of ONGC According to the supplement of Asian Development Bank increased to 71.63 %. (ADB) Outlook 2017, India, the sub-region’s largest economy,  It is to note that, in Union Budget 2017-18, Finance is expected to achieve previous growth projections of 7.4 Minister Arun Jaitley had proposed to set up an per cent in 2017 and 7.6 per cent in 2018. In the supplement, Integrated Oil Company by merging of State-run ADB has upgraded its growth outlook in the Asian region to Oil Companies. 5.9 per cent in 2017 from 5.7 per cent and to 5.8 per cent for NMCE, ICEX to merge creating 3rd biggest 2018 from 5.7 per cent. commodity exchange IMF’s World Economic Outlook highlights National Multi Commodity Exchange (NMCE) will merge with emerging economies in lead Indian Commodity Exchange (ICEX) creating the country’s  The International Monetary Fund, in its World third biggest commodity exchange. ICEX will hold a 62.8 per Economic Outlook highlighted a pattern of surge in cent stake in the merged entity, while NMCE shareholders growth rate among the emerging economies, while will own the rest.

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the likes of the United States of America and United  SIMO is a six year Skill Development Programme Kingdom are witnessing a slowdown. supported by National Policy for Skill Development  In its report, the IMF highlighted a global growth and Entrepreneurship (2017-23). rate of 3.5 percent for this year, which is projected ADB commits USD 10 billion to support to increase to 3.6 percent in 2018. development of States in India  The growth rate of the US for this year is projected  The Asian Development Bank has committed USD at 2.1 percent, with the same being consistent during 10 billion to support infrastructure building and to the next year as well. cater to the immediate development needs of less-  Earlier in April, owing to the impact of the developed States in India. demonetisation drive which was rolled out by the  This has been stated by ADB President Takehiko Prime Minister Narendra Modi led-government on Nakao during his 3-day visit to India. November 9 2016, the IMF had trimmed India’s  As per the estimates of ADB, India is expected to annual growth forecast by 0.4 percentage points to grow by 7.4% in the current financial year and 7.6% 7.2 per cent for 2017. Also, IMF projects a growth in 2018-19. rate of 7.7 percent for 2018.  ADB is multilateral lending agency based in Manila, INVESTMENT & ALLOCATION Philippines. ADB has 67 members World Bank approved $ 250 million for Skill India India, ADB inks $220 million Loan Agreement for Mission Operation Rajasthan State Highways Investment Program  The World Bank has cleared India’s proposal of $ The Union Government and Asian Development Bank (ADB) 250 million loan agreement for Skill India Mission have signed a $220 million loan agreement for improving Operation (SIMO) which will benefit 1.2 crore connectivity as well as transport efficiency and safety on youngsters in the age group of 15-19 year to acquire State Highways of Rajasthan. The loan will be provided as Skill Development Trainings at National and State the first tranche of the $500 million Rajasthan State Highways levels. The loan is funded by IBRD. Investment Program, approved by ADB Board in May 2017.

 INTERNATIONAL 122 nations adopt first treaty banning nuclear weapons b) German Chancellor Angela Merkel is hosted this The United Nations has adopted a historic global treaty year’s G20 Summit in Hamburg. banning nuclear weapons which was adopted by a vote of c) The theme of the German presidency of the G20 is 122 members in favour. The Netherlands was the only country ‘Shaping an interconnected world’. who voted against the treaty. Costa Rica’s ambassador, d) G20 leaders adopted a World Bank funding plan of Elayne Whyte Gomez, was the president of the UN conference up to USD 1 billion for women entrepreneurs in that negotiated the treaty. The nine nuclear powers, namely, developing nations, an initiative championed by US the United States, Russia, Britain, China, France, India, President Donald Trump’s daughter Ivanka Trump. Pakistan, North Korea and Israel neither took part in the PM Modi Visit to Germany for G20 Summit: negotiations nor cast their vot  On 7th and 8th July, 2017, Indian Prime Minister Narendra Modi attended the G20 Summit in 12th G20 Summit held in Hamburg, Germany Hamburg, Germany. a) Hamburg hosted the twelfth G20 Summit on 7th and  He reached Germany straight from Israel after 8th of July, 2017. wrapping up his historic three-day visit.

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 Prime Minister Narendra Modi pressed upon his sustainable development projects across the British counterpart Theresa May to ensure UK’s developing world. cooperation to bring back economic offenders.  The India-UN Development Partnership Fund was  He also met Canadian Premier Justin Trudeau on set up last month as a partnership between India the sidelines of the G20 Summit. and the United Nations Office for South-South  Prime Minister Modi had a bilateral meeting with Cooperation (UNOSSC). the Prime Minister of Japan Shinzo Abe. The two  India had made an initial contribution of a million leaders briefly reviewed progress in bilateral dollars when the fund was created and the amount relations, including in important projects, since their was allocated for the implementation of a project last meeting in Japan. benefiting seven Small Island Developing States in  Continuing his series of bilateral meetings on the the South Pacific. sidelines of the G20 Summit, PM Modi also met India offers $100,000 to UN Tax Fund South Korean President Moon Jae-in. He India has contributed $ 100,000 to the UN Trust Fund for congratulated in person Moon on his victory in International Cooperation in Tax Matters (the UN Tax Fund). presidential elections. India has also earned the distinction of becoming the first  PM Modi’s discussions with Italy’s Prime Minister country to make a voluntary contribution to the UN tax fund. Gentiloni focused on promoting bilateral relations, The objective of UN Tax Trust Fund is to support the work particularly trade and investment and people-to- of the Committee of Experts on International Cooperation in people ties. Tax Matters (the UN Tax Committee).  Norway’s Prime Minister Erna Solberg gifted a symbolic football to PM Modi. During his meeting Malta becomes world’s 24th country to legalize with Erna Soberg, Prime Minister Narendra Modi Gay Marriage invited Norwegian pension funds to invest in the Malta parliament voted to allow same-sex couples to marry.i. National Investment and Infrastructure Fund. Malta, the EU’s smallest nation, becomes the bloc’s 15th India third largest terror target after Iraq and member to legalise same-sex unions.vii. The Netherlands was Afghanistan: US report the first European country to legalise same-sex marriage, in 2001.Malta:-Capital: Valletta, Currency: Euro The data, analysed by a national consortium for the study of terrorism and responses to terrorism, contracted with the US U.S. Successfully shoots down IRBM target with state department, reveals India is third after Iraq and THAAD Afghanistan in terms of terror attacks. India has displaced The U.S. military conducted a successful test of its Terminal Pakistan on a list of countries facing terror attacks in 2016, High Altitude Area Defense (THAAD) missile system. The with higher fatalities and injuries than its restive neighbour. test was carried out in Kodiak, Alaska, and shot down a Out of 11,072 terror attacks in 2016 worldwide, India bore the ballistic missile target from an aircraft flying north of Hawaii. brunt of 927, 16% more than 2015 (798). The THAAD system is designed to counter short, medium, India, not China, is among the fastest growing and intermediate range missile threats. economies: World Bank World’s first wind farm being built off Scotland coast According to the World Bank’s latest edition of the Global The world’s first full—scale floating wind farm is being built Economic Prospects, India is the fourth fastest growing off the coast of Scotland in the North Sea. The wind farm, economy in the world. China shows a clear sign of slowdown known as Hywind is a trial project which aims to bring power and ranks at number 16 in terms of GDP growth rate.India to 20,000 homes. The floating wind farm technology will allow has been placed behind smaller economies of Estonia, wind power to be harvested in waters that are too deep for Uzbekistan, and Nepal in growth rate. The World Bank has the existing bottom—standing turbines particularly installed pegged India’s growth rate at 7.2 for the current year on the in shallow waters. back of rising export and increase in government spending. Google introduces recruiting app ‘Hire’ for India contributes additional USD 1 mn to UN businesses partnership fund In an apparent move to compete with Microsoft-owned  India has contributed an additional 1 million dollars LinkedIn, Google has launched ‘Hire’, a recruiting app for to a UN partnership fund. It has launched to support small- and medium-sized businesses that also integrates

19 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 seamlessly with G Suite. ‘Hire’ integrates seamlessly with G World Bank: New facility to empower women in Suite apps like Gmail and Google Calendar that are being entrepreneurship used by over three million businesses to drive recruiting The World Bank Group has announced the creation of a efforts. more than $1 billion innovative new facility that aims to advance women’s entrepreneurship. The facility would also WhatsApp users blocked from sending photos, help women in developing countries gain increased access videos in China to the finance, markets, and networks necessary to start and Facebook-owned WhatsApp has been partially blocked in grow a business. China following a censorship crackdown by the government. World Bank-H.Q: Washington, D.C., United States, President Users complained of being unable to send photos, videos, -Jim Yong Kim and voice notes and a few people have reportedly been Membership: 189 countries (IBRD); 173 countries (IDA) blocked from sending even text messages. China operates world’s largest censorship system, called the ‘Great Firewall’, India emerging as front-runner in fight against blocking platforms like Facebook, Google, and Instagram. climate change: World Bank a) As per World Bank, India is emerging as a front India has second highest number of adults runner in the global fight against climate planning to migrate led by Nigeri change,with a sweeping commitment to solar power  India has the second highest number of adults and energy efficiency initiatives to supply its people planning to migrate to other countries with the US with 24×7 electricity by 2030. and the UK among the most favoured destinations, b) World Bank said the country also walked away from according to a report by the UN migration agency. plans to install nearly 14 GW of coal-fired power  The most popular destination for those planning to plants. migrate is the US followed by the UK, Saudi Arabia, c) The Indian government is setting ambitious targets France, Canada, Germany and South Africa. that include 160 gigawatts (GW) of wind and solar  The list led by Nigeria and followed by India, by 2022. Congo, Sudan, Bangladesh and China. d) World Bank : Headquartersý- ýWashington,  International organisation for migration-H.Q: D.C.,CEO– Kristalina Georgieva Geneva, Switzerland, Director General: William Lacy Swing France’s Macron to host climate summit in Paris on Dec. 12 Model United Nations Regional Conference French President Emmanuel Macron said Paris will host a begins in Kathmandu summit on Dec. 12 to make further progress on the 2015 Paris A Model United Nations (MUN) Regional Conference held climate agreement and to address its financing issues. at Kathmandu. The event is organised by the US Embassy in partnership with the Youth Thinker’s Society. Youths from Sri Lanka bans plastic bags amid garbage crisis 12 South and Central Asian countries including India Sri Lanka has banned plastic shopping bags as it is facing a participated in 5-day conference. dengue epidemic and garbage crisis. The use, production, import and sale of lunch sheets would be banned under the India To Become Largest Milk Producer In 2026: new regulation and burning of plastic bags in open areas Report would also be prohibited.  India, projected to be the most populous country over the next decade, will be the world’s largest milk Meeting of SAARC Minister of Law & Order producer by 2026 and will account for the biggest 8th meeting of the SAARC Ministers of Law and Order has increase in wheat production globally, according to started in Colombo. The 3 day meeting will focus on the a report by the UN and OECD. issue of tackling terrorism apart from discussing liberalization  The OECD-FAO Agricultural Outlook 2017-2026 of visa, illegal trafficking in narcotic drugs, psychotropic said the world’s population will increase from 7.3 to substances and small arms. 8.2 billion with India’s population will grow from 1.3 Informal BRICS Leaders Meeting in Hamburg billion to 1.5 billion, an increase of almost 150 million. The leaders of the 5 BRICS countries held an informal meeting  Currently China with 1.41 billion inhabitants and on the sidelines of G20 Summit in Hamburg, Germany. This India with 1.34 billion remain the two most populous countries with US at third.

20 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 was in run up to the forthcoming 9th BRICS Summit in  Guinea is the worst performer among all nations September in Xiamen, China with a score of zero. Italy passes bill to make torture illegal  ITU is the United Nations specialised agency for information and communication technologies Italian lawmakers have finally passed a bill making torture a (ICTs). ITU is headquartered in Geneva, Switzerland. crime under national law, after years of parliamentary back- and-forth. Rome signed the UN Convention Against Torture Singapore Airlines rated best airline in the world in 1984 but had never transferred it into national legislation. Singapore Airlines has been rated the world’s best airline in WHO declares end of Ebola outbreak in Congo a survey by the Travel and Leisure magazine. It has been followed by Emirates and Qatar Airways at second and third The World Health Organisation has declared an end of the place respectively, while Cathay Pacific Airways and Japan most recent outbreak of Ebola virus disease (EVD) in the Airlines have completed the top five. Democratic Republic of Congo (DRC). India ranks 116 out of 157 nations on Sustainable World’s oldest emergency phone line marks 80th anniversary Development Goals index India has ranked 116 out of 157 nations on a global index that Police forces across Britain has celebrated 80th anniversary assesses the performance of countries towards achieving of World’s oldest emergency phone line since the introduction the ambitious sustainable development goals (SDGs).Sweden of the world’s first emergency call telephone number 80 years has topped the Rank. ago Now the 999 number to alert police, fire, ambulance and coastguard in emergencies is the best-known phone number India’s domestic travel market to reach $48 bn in Britain. by 2020: Report Google fined record 2.42 billion euros by The report by Google India, along with Boston Consulting European Commission Group (BCG), titled “Demystifying the Indian Online The European Commission has fined Google 2.42 billion euro Traveller” has said that India’s domestic travel market is expected to grow at 11-11.5 per cent to reach $48 billion by (USD 2.7 Billion) for breaching the anti-trust rules by illegally 2020. favoring its shopping service. The European Commission regulates EU competition rules. Google has abused its market India in 88th place in money hoarded in Swiss dominance by offering an illegal advantage to its another banks product, its comparison shopping service. The EU has also India has slipped to the 88th place in terms of money parked asked Google to stop its anti-competitive practice in 90 days by its citizens with Swiss banks, while the U.K. remains on or be prepared to face penalty payments up to 5% of the top. Also, the money officially held by Indians with banks Alphabet’s average daily worldwide turnover. in Switzerland now accounts for a meagre 0.04 per cent of the total funds kept by all foreign clients in the Swiss banking China officially starts building world’s first ‘Forest system, as per an analysis of the latest figures compiled by City’ the Swiss National Bank as on 2016-end. China has officially started building the world’s first ‘Forest City’, to combat rising pollution and climate change. The Liuzhou Forest City is expected to absorb nearly 10,000 tonnes of carbon dioxide annually and produce 900 tonnes  of oxygen. It is set to be completed in 2020. INDEX India ranked 23rd in second Global Cybersecurity Index (GCI) India has been ranked 23rd out of 165 nations in the second Global Cybersecurity Index (GCI) has been released by the UN telecommunications agency International Telecommunication Union (ITU).  Singapore has topped the index followed by United States (2nd), Malaysia (3rd).

21 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 NATIONAL Ram Nath Kovind sworn as 14th President of India  Ram Nath Kovind (71) sworn as the 14th President Number’ (PAN) of taxpayers with effect from 1st of India. He was administered oath to the office by July 2017. Chief Justice of India J.S. Khehar in Parliament’s  The Government has also made quoting of the 12- Central Hall. digit biometric Aadhaar or the enrolment ID, must  With this, he became the second Dalit President of at the time of application of permanent account India after late President Kocheril Raman number (PAN). Narayanan. He is also the first person from Uttar  Earlier, an amendment to tax proposals in the Finance Pradesh to hold the office of President since Bill for 2017-18 had made Aadhaar mandatory for Independence. filing income tax returns and provided for linking of  Mr Kovind was born on 1st October 1945 in Paraukh PAN with Aadhaar to check tax evasion through village in the Kanpur Dehat district, Uttar Pradesh. the use of multiple PAN cards.  He had completed graduation in law from a Kanpur  Around 2.07 crore taxpayers have already linked college. Before starting his career as a lawyer, he their Aadhaar with PAN. cleared the civil services examination but did not  There are over 25 crore PAN card holders in the join as he was selected for an allied service. He had country while Aadhaar has been issued to 111 crore joined the BJP in 1991. people.  He was President of the BJP Dalit Morcha between Smriti Irani to take charge as I&B minister, 1998 and 2002. He also served as Member of Rajya Narendra Singh Tomar gets urban development Sabha from 1994 to 2006. Prior to getting elected as Textile minister Smriti Zubin Irani has been given the President, Mr. Kovind had served as the 35th additional charge of information and broadcasting (I&B), Governor of Bihar. after M. Venkaiah Naidu resigned from the post, following India plans to invite Leaders of ASEAN countries his nomination as National Democratic Alliance’s vice- for 2018 Republic Day celebrations presidential candidate.The Urban Development Ministry,  India has planned to invite the ten leaders of the which was also being handled by Naidu, has been given to Association of Southeast Asian Nations (ASEAN) Narendra Singh Tomar. Tomar is in charge of Rural as Chief Guests for 2018 Republic Day celebrations. Development and Panchayati Raj.  By this India is taking an assertive step in its ‘Look President of India presents 2.5 croreth Ujjwala East Policy’ to become ‘Act East Policy.’ connection  This year also marks the 25th year of dialogue  President Pranab Mukherjee presented the 2.5 partnership between India and ASEAN. croreth Pradhan Mantri Ujjwala Yojana (PMUY)  ASEAN members: Brunei, Cambodia, Indonesia, connection at Raghunathgunj, Murshidabad in Laos, Malaysia, Myanmar, Philippines, Singapore, West Bengal. Thailand and Vietnam.  PMUY was launched by PM Narendra Modi on 1st  UAE Crown Prince Mohammed bin Zayed Al May 2016 at Ballia, Uttar Pradesh. Nahyan was invited as the chief guests for the 2017  The scheme aims to provide LPG connections to 5 Republic Day celebrations. Crore BPL households by 2019 and is a part of larger Centre makes linking of existing Aadhaar with program of adding 10 Crore new LPG connections PAN of taxpayers mandatory from 1st July by 2019 to achieve full coverage of connections in  The Union Govt. has made mandatory to link existing Indian households. ‘Aadhaar numbers’ with ‘Permanent Account

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 The Scheme would be implemented over three NPCI launches educational videos for BHIM years, namely, the FY 2016-17, 2017-18 and 2018-19. users  Rs 8000 crore has been earmarked for providing five  National Payments Corporation of India (NPCI) has crore LPG connections to BPL households. developed awareness videos for customers who  The Scheme provides a financial support of Rs 1600 download their BHIM application for UPI based for each LPG connection to the BPL households. fund transfer. An SMS based video link will be sent to the customer who downloads the app for Indian Railways launched Rail SAARTHI app to seamless customer onboarding. take care of your ticket booking, onboard meals,  These videos have been created to assist new and more customers with initial steps of using the app, like  Railway Minister Suresh Prabhu has launched an verifying their registered SIM card, generating integrated mobile application – Rail BHIM App’s passcode, selecting their bank, SAARTHI(synergised advanced application rail generating UPI PIN for making transactions etc. travel help and information) to cater to various passenger requirements, including ticket booking, India to be part of new global foreign exchange inquiry, on-board cleaning and ordering meal on a committee single platform.  India will soon have representation in the Global  He also announced a quota facility for differently- Foreign Exchange Committee (GFXC) of various abled people in 3AC coach and extending the central bankers and experts that has been recently advance booking period for foreigners to 365 days formed to work towards the development of a from present 120 days. transparent global foreign exchange market.  The committee has been set up under the guidance UIDAI launches mAadhaar app for android phones of the Bank for International Settlements (BIS), mAadhaar, a new app for syncing Aadhaar data on the mobile which is an organisation owned by 60 member phone, has been launched by the UIDAI, which is the agency central banks representing countries from around responsible for Aadhaar. Once you setup the mAadhar app, the world. your Aadhaar card profile, including your number, address  The Bank for International Settlements (BIS) was and other details are stored on the app. The app will let users established in 1930, is an international financial share their Aadhaar profile, data with third-party applications institution owned by central banks which “fosters via NFC, QR codes, Barcodes or even email their details. international monetary and financial cooperation Highway liquor ban: SC exempts Arunachal, and serves as a bank for central banks. Andaman from 500-metre cap Headquarters: Basel, Switzerland, CEO: Jaime Caruan  The Supreme Court has allowed Arunachal Pradesh Railways, NBCC ink MoU to redevelop 10 railway and Andaman and Nicobar Islands to join the club stations of Sikkim and Meghalaya, both of which enjoy full  Rail Land Development Authority (RLDA) has inked exemption from the court’s ban on sale of liquor MoU with National Building Construction within 500 metres of National and State Highways. Corporation (NBCC) for redevelopment of 10 railway  A Bench led by Chief Justice of India J.S. Khehar stations across the country on global standards. took note of the geographical quirks of Arunachal  The identified stations to be taken up initially by Pradesh and the islands and concluded that they NBCC, a PSU of Urban Development Ministry for “deserved parity” with Sikkim and Meghalaya. redevelopment are Tirupati, Nellore, Puducherry, Election Commission ties up with Facebook to Sarai Rohilla (Delhi), Madgaon, Lucknow, register voters from July 1 Gomtinagar, Kota, Thane (New) and Ernakulam. The Election Commission will launch a special drive to enrol RLDA is an arm of the Indian Railways for commercial new electors, and has collaborated with Facebook to launch exploitation of rail land. a ‘voter registration reminder’ on July 1. The reminder will be Foundation stone of country’s biggest global skill sent out in 13 Indian languages – English, Hindi, Gujarati, park laid in Bhopal Tamil, Telugu, Malayalam, Kannada, Punjabi, Bengali, Urdu,  Union Minister of State for Skill Development and Assamese, Marathi and Oriya. Entrepreneurship Rajeev Pratap Rudi and Madhya

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Pradesh Chief Minister Shivraj Singh Chouhan have Union Government GPS Installation in all Phones laid the foundation stone of the country’s biggest from January 2018 Global Skill Park in Bhopal, Madhya Pradesh.  On 9 July 2017, the Union Government has made it  The park will be constructed at a cost of 645 crore mandatory to Install Global Positioning System rupees. (GPS) in all mobile phones including Featured  Training will be imparted to 1000 students every Phones that will be sold in India effecting from 01 year by trainers of international standard. The park January 2018 citing Consumer Safety especially of will function on the spirit of ‘With Industry -For Women and to locate subscribers in Emergency Industry’.” Situations.  Earlier on 22 April 2016, the Union Government vide Union Cabinet approved setting up of ISARC in its Second Part of the Gazette Notification, had Varanasi mandated the Installation of a Built-in “Panic  On 12 July 2017, the Union Cabinet meeting chaired Button” in all Mobile Phones effecting from 01 by the PM Narendra Modi has approved the January 2017. establishment of the International Rice Research  The Government has issued directives all Mobile Institute (IRRI) South Asia Regional Centre Device Manufacturers under Mobile Phone (ISARC) at campus of National Seed Research and Handsets Rules, 2016 and under Section 10 of Indian Training Centre (NSRTC) in Varanasi. Wireless Telegraph Act, 1933.  This Centre will be the first International Centre in the Eastern India and it will play a major role in Union Government included 30 more Cities under harnessing and sustaining Rice Production in the “Smart City Project” making it to 90 Region.  On the occasion of 2nd Anniversary of the Smart  Under the proposal, a Centre of Excellence in Rice City Mission i.e. on 23 June 2017, Union Minister Value Addition (CERVA) will be set up in Varanasi, for Urban Development Venkaiah Naidu has which will include a Modern and Sophisticated announced 30 more cities to be included in the Smart Laboratory with capacity to determine Quality and City Mission. Status of Heavy Metals in Grain and Straw.  With this, total number of Smart Cities increased from 60 to 90. Union Government created new Ministry named  In the third round of announcement for cities to be as “Ministry of Housing and Urban Affairs included under Smart City Mission, the Ministry  On 7 July 2017, the Union Government approved will invest around Rs. 57,393 crore in developing the merger of Ministry of Urban Development and the newly choosen 30 cities and accordingly, the Ministry of Housing & Urban Poverty Alleviation total budget of the Smart City Project has increased to create new Ministry to be known as Ministry of to around Rs. 2 lakh crore for 90 cities. Housing and Urban Affairs (MoHUA).  It is the third time that the Ministries have been BILL AND AMENDMENT merged.  In May 1952, the Ministry of Works, Housing and Bill introduced in LS for setting up petroleum Supply was formed and later it was renamed as institute in AP Ministry of Works and Housing and a separate A bill providing for setting up of the Indian Institute of Ministry of Supply was created. Petroleum and Energy in Andhra Pradesh was introduced in the Lok Sabha. The institute would be established in  In 1985, Ministry of Urban Development was created by merging the above two. Visakhapatnam district in pursuance of the central  Later in 1995, Ministry of Urban Affairs and government’s commitment for setting up a petroleum Employment was created with two separate university under the Andhra Pradesh Reorganisation Act, departments such as Department of Urban 2014, according to the Objects and Reasons of the bill. Development and Department of Urban The Right of Children to Free and Compulsory Employment & Poverty Alleviation. In April 1999, Education (Amendment) Bill, 2017 these two departments were merged.  The Bill amends the Right of Children to Free and Compulsory Education Act, 2009 by extending the

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deadline for teachers to acquire the prescribed minimum qualifications within a period of four years minimum qualifications for appointment. i.e. by March 31, 2019.  Under the Act, if a state does not have adequate  The Right of Children to Free and Compulsory teacher training institutions or sufficient number of Education (Amendment) Bill, 2017 was introduced qualified teachers, the provision to possess by the Minister of Human Resource Development, minimum qualifications is relaxed for a period not Mr. Prakash Javadekar in Lok Sabha on April 10, exceeding five years i.e. till March 31, 2015. 2017.  The Bill further adds to this provision by stating that those teachers who do not possess the minimum  qualifications as on March 31, 2015 will acquire the RECENT GOVERNMENT DEVELOPMENT & SCHEME New pension scheme ‘PMVVY’ for senior citizens the pension instalments and loan will be recovered  The Union Finance Ministry has launched Pradhan from claim proceeds. Mantri Vaya Vandana Yojana (PMVVY), a pension  The scheme allows for premature exit for the scheme exclusively for senior citizens aged 60 years treatment of any critical terminal illness of self or and above. spouse. On such premature exit, 98% of the  Under this scheme, senior citizens will get a purchase price would be refunded. On death of the guaranteed interest of 8% for 10 years depending pensioner during the policy term of 10 years, the upon the investment made by them. purchase price should be paid to the beneficiary.  This PMVVY scheme will be available from May 4, 2017 to May 3, 2018. Life Insurance Corporation of Government to launch ‘Aajeevika Grameen India (LIC) has been given the sole privilege to Express Yojana’ operate the scheme. It can be purchased offline as  The government will launch a new scheme, named well as online through LIC. Aajeevika Grameen Express Yojana (AGEY), to  This scheme provides an assured return of 8% per provide an alternative source of livelihood to annum payable monthly for 10 years on single members of Self Help Groups (SHGs). lumpsum premium ranging from Rs. 150000  This scheme will be launched under Deendayal (minimum) to Rs.750000 (maximum). Pension Antyodaya Yojana - National Rural Livelihoods (minimum: Rs.1000/ month; maximum: Rs.5000) will Mission (DAY-NRLM) and will be implemented in be payable at the end of each period, during the 250 blocks in the country for a period of three years policy term of 10 years, as per the frequency of from 2017 to 2020. monthly, quarterly, half-yearly, yearly as chosen by Government launches Aarambh mobile app for the pensioner at the time of purchase. road maintenance  It is exempted from goods and services (GST) tax. It  The Union Ministry of Rural Development launched will offer senior citizens more avenues to earn steady Aarambh mobile app for performance based regular income at a time of falling interest rates. On maintenance contracting and community survival of the pensioner to the end of the policy contracting for maintenance of rural roads. term of 10 years, the purchase price of the scheme  It was launched jointly launched by Union Minister along with the final pension instalment will be for Panchayati Raj, Rural Development, Drinking payable. Water & Sanitation Narendra Singh Tomar and  The scheme also offers loan up to 75% of the visiting ILO Deputy Director General (Policy) purchase price after 3 policy years (to meet the Deborah Greenfield. liquidity needs). Loan interest will be recovered from

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Union Government launched National Biopharma that the government will also proffer marriage assistance to Mission the tune of Rs. 51,000 (per head) to families of girl students The Union Minister ‘Harsh Vardhan’ has launched a first who complete their graduation availing the Centre’s Begum ever Industry-Academia mission “National Biopharma Hazrat Mahal scholarship. Mission” to accelerate biopharmaceutical development in India. Under the Mission, the Ministry launched a Govt sets up target of constructing 57,000 km of programme named Innovate in India (i3) to create an enabling roads under PMGSY during 2017-18 ecosystem to promote entrepreneurship and indigenous The government has set a target of constructing 57 thousand manufacturing in the sector. kilometers of roads under Pradhan Mantri Gram Sadak Yojana (PMGSY) during 2017-18 at a rate of 150 km a day. The PMGSY, Union Government saved around Rs. 57,000 crore launched in 2000, during the previous NDA regime, has been through DBT one of most focused programmes of the government to boost  On 11 July 2017, the Union Government has notified the rural economy. The government plans to spend around that around Rs. 57,000 crore have been saved in FY Rs 81,000 crore on the PMGSY. 2016-17 through Direct Benefit Transfers (DBT) Schemes under which Subsidies are given directly UDAY covers 97% of discom debt to the beneficiaries Bank Accounts.  The Union Ministry of Power has announced that about 97% of the total outstanding debt of all state  Currently, 78 Schemes including PMJDY, MGNREGS, LPG Subsidy Scheme PAHAL, National power distribution companies has been covered Social Assistance Programme (NSAP) and PDS under the Ujwal DISCOM Assurance Yojana. being implemented by 17 Union Ministries and  As on September 2015, the total debt of all state- Departments are covered under the DBT System. owned discoms was Rs 3.95 lakh crore. The 26 states and 1 UT which have joined the UDAY scheme Arun Jaitley launches ‘Aaykar Setu’ to enhance accounted for total outstanding debt of Rs. 3.82 e-access of taxpayers lakh crore. Only states that have not joined UDAY  The Income Tax Department has launched an online are NAGALAND, ODISHA & WEST BENGAL. facility that will enable payment of taxes, tracking Mizoram has become the 27th state to join UDAY of tax deducted at source and filing of applications scheme for permanent account numbers (PAN). Union Government launches new training  The facility known as ‘Aaykar Setu,’ launched by finance minister Arun Jaitley, will also help people programme COMMIT for State Government link their 12-digit biometric identifier Aadhaar with officials PAN.  The Union Ministry of Personnel, Public Grievances  Central Board of Direct Taxes will make it available & Pension has launched a new training programme as a desktop service and as an app for Android Comprehensive Online Modified Modules on mobile phones, provid . Induction Training (COMMIT) for State Government officials.  Tax Deducted at Source (TDS) is a means of collecting income tax in India, under the Indian  The COMMIT programme has been developed by Income Tax Act of 1961. Any payment covered under Department of Personnel and Training (DoPT) in these provisions shall be paid after deducting collaboration with United Nations Development prescribed percentage. It is managed by the Central Programme (UNDP). Board for Direct Taxes (CBDT) and is part of the  Initially on pilot basis the programme will be Department of Revenue managed by Indian launched in 6 States of Assam, Haryana, Revenue Service (IRS). Maharashtra, Tamil Nadu, Telangana and West Bengal during the current financial year 2017-18. Government To Set Up Skill Development Next year it is expected to cover all India level. Centres For Minorities In 100 Districts PM Modi inaugurates filling of Aji Dam at Rajkot The government will set up ‘Garib Nawaz’ skill development centres in 100 districts of the country to offer employment- by Narmada water oriented training to the youth from minority communities. Prime Minister Narendra Modi has inaugurated the ‘Sauni Union Minority Affairs Minister Mukhtar Abbas Naqvi said Yojna’, a project which will fill the Aji dam near Rajkot with Narmada waters in Gujrat. He also launched Smart Rajkot

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Hackathon where the urban local body will engage with Government of India launched “VAJRA Scheme” young students to find innovative solutions to improve the to attract Indian Scientists abroad efficiency of various government departments.  The Union Minister of Science and Technology Harsh Vardhan have launched the “VAJRA” Scheme Govt launches GST training programme with an aim to bring back Indian Scientists and The Government of India launched a GST training programme Researchers to India for conducting joint research Pradhan Mantri Kaushal Vikas Yojana (PMKVY) to skill 2 in India. lakh youths in 6 months to handle various issues in newly  VAJRA stands for Visiting Advanced Joint Research launched tax regime. It will be implemented in 14 states. Faculty. Scheme launched to raise awareness on  Under the Scheme, Scientists and Senior Intellectual Property Researchers of Indian Origin in abroad can In a move designed to inspire Indian artists and young collaborate with faculties in India. inventors towards protecting their creations and inventions,  The Department of Science and Technology has the government has launched a scheme for raising awareness also announced endowments of $ 15,000 in the first on Intellectual Property Rights (IPR). The scheme for IPR month and $ 10,000 for the remaining months during Awareness called – Creative India; Innovative India – has their residency in India. been launched by the Cell for IPR Promotion and Management (CIPAM).  BILATERAL India and Israel sign 7 Agreements India and Israel signed seven agreements to increase  Prime Minister Modi has assured faster facilitation cooperation in key sectors like space, agriculture and water of OCI cards for Jewish Citizens of Indian origin in conservation after Prime Minister Narendra Modi held in- Israel. depth talks with his Israeli counterpart Benjamin Netanyahu.  As a special gesture, a new fast growing Israeli Sign 7 Agreements Crysanthumun flower was named “MODI” after  A Memorandum of Understanding (MoU) was Prime Minister Narendra Modi, during the Indian signed for setting up of USD 40 million worth India- Premier’s visit to the Danziger flower farm, which is Israel Industrial Research and Development (R&D) one of the leading floriculture companies of Israel and Technical Innovation Fund. having founded in 1953.  India-Israel Development Cooperation- 3-year work  Prime Minister Narendra Modi has announced the program in Agriculture (2018-2020) establishment of an Indian Cultural Centre in Israel  MoU for conservation of water in India PM Modi welcomes Australia for joining  MoU on State Water Utility Reform in India. International Solar Alliance  Plan of cooperation regarding cooperation in atomic clocks. Prime Minister Narendra Modi welcomed Australia’s joining as 35th member of the International Solar Alliance (ISA) which  MoU regarding cooperation in GEO-LEO optical was launched at the UN Climate Change Conference in Paris link. in 2015 by Modi and the then President of France Francois  MoU regarding cooperation in electric propulsion Hollande. He conveyed this thanks message to Australian for small satellites. Foreign Minister Julie Bishop on the progress in bilateral Other Important Takeaways  Prime Minister Modi has assured faster facilitation relations since Australian Prime Minister Malcolm Turnbull’s visit to India in April 2017. of OCI cards for Jewish Citizens of Indian origin in Israel. The International Solar alliance’s primary objective is work for efficient exploitation of solar energy to reduce dependence on fossil fuels. The Framework Agreement of

27 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 the International Solar Alliance opened for signatures in Vietnam renews Indian Oil Deal Marrakech, Morocco in November 2016. The alliance is also  Vietnam has granted ONGC Videsh a two-year called International Agency for Solar Policy and Application extension to explore oil block 128 in the South China (IASPA).The ISA headquartered situate at gurugram in India. Sea. The permission was first granted in the year India, Japan civil nuclear cooperation deal comes 2006 which is due to expire in mid-June. into force  Vietnam-Capital: Hanoi, Currency: Vietnamese dong A landmark civil nuclear cooperation deal between India and  Oil and Natural Gas Corporation- Headquarters: Japan that provides for collaboration between their industries Uttarakhand, CEO: Dinesh K Sarraf in the field came into force eight months after it was sealed. India slips to be 4th largest investor into UK Foreign Secretary S Jaishankar and Japanese ambassador  India has slipped by one spot to become the fourth- Kenji Hiramatsu exchanged diplomatic notes, marking largest foreign investor into the UK. operationalisation of the pact.  The US remains on the top, investing in 577 projects India & Sri Lanka sign MoU to develop village in in the UK, with China (including Hong Kong) Anuradhapura District remaining in second place with 160 projects. India and Sri Lanka signed a Memorandum of Understanding Point To Note (MoU) to develop a village in Anuradhapura District (in Sri  Data released by the Department of Industrial Policy Lanka) at a cost of 30 crores Sri Lankan rupees. The village in and Promotion (DIPP) showed Foreign direct the name of a famous Buddhist monk Sobitha Thero investment (FDI) inflows into India in 2016 calendar envisages construction of 153 new houses, a multi-purpose year jumped 18% to a record $46.4 billion community building, internal water supply system and  Mauritius remained India’s top source of FDI inflows renovation of monk’s quarters & library. at $12.8 billion followed by Singapore. India, Bangladesh to construct bridge along  The US remained the top source of FDI inflows Mizoram border followed by China at 2nd and India at 3r India and Bangladesh have decided to construct a bridge Cabinet for tax agreement between India, BRICS over Mizoram’s Khawthlangtuipui river to facilitate trade and nations improve communication between the two neighbours. The Union Cabinet chaired by Prime Minister Narendra Modi Bangladesh Prime Minister Sheikh Hasina had given the has approved the signing of a Memorandum of Cooperation approval to construct the bridge and linking roads. India (MoC) with respect to tax matters between India and the shares its longest border with Bangladesh a 4,096 km long revenue administrations of the BRICS countries, namely, international border which is the fifth-longest land border in Brazil, Russian Federation, China and South Africa. the world. The MoC aims to further promote cooperation amongst the India, Bangladesh sign pact to connect both BRICS Revenue administrations in the international forum countries by waterways on common areas of interest in tax matters and in the area of capacity building and knowledge sharing. India and Bangladesh have signed a pact to connect both British Council, Mumbai First join hands to the countries by waterways. The waterways will facilitate transform Mumbai movement of passengers and goods between India’s The British Council and Mumbai First will collaborate in northeast and West Bengal with Bangladesh. Infrastructure education, tourism, arts and culture to transform Mumbai for the services would be set up along the major rivers in into a world class city. Bangladesh, West Bengal and Brahmaputra in Assam. China issues safety advisory for citizens travelling India to Import Crude Oil from USA for the First to India Time Amid bilateral tensions over the Sikkim standoff, Foreign Following the Agreement between India and USA in June Minister of the People’s Republic of China Wang Yi issued 2017, India has planned to import Crude Oil for the first time an advisory for its citizens travelling to India, asking them to from USA and the first consignment of Indian Oil Corporation take necessary precautions for their personal safety. China (IOC) will be received in October 2017. Currently, India is the and India have been engaged in the standoff in the Doklam World’s 3rd largest Oil Importer. India is the latest Asian area near the Bhutan tri-junction for the past three weeks Country to but Crude Oil from USA after South Korea, Japan, after a Chinese Army’s construction party attempted to build China, Thailand, Australia and Taiwan. a road.  28 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 STATE NEWS ANDHRA PRADESH & TELANGANA KERALA & TAMIL NADU Telangana: “Janahitha” launches to receive Kerala to host literary fest with tolerance as theme complaints from public Kerala will be hosting the fifth edition of South India Writers In Telangana, an innovative programme christened Ensemble (SIWE) at Chengannur from 24 July 2017. The theme “Janahitha” was launched to receive complaints from public of the festival this year will be ‘tolerance’. through a special portal. The programme, kickstarted in Suryapet district on pilot basis is aimed at facilitating the Tamil Nadu maintains lead in solar rooftop public to submit their complaints on line and get speedy installations redressal. India has added 678 MW of rooftop solar capacity in 2016- 17, growing at 81 per cent Year over Year, reaching total Andhra, Telangana and Gujarat top ease of doing installed capacity of 1,396 MW as of March 2017.Tamil Nadu business, says NITI CEO Amitabh Kant continues to lead in installation of rooftop solar projects in  According to the NITI Aayog CEO Amitabh Kant , the country. Andhra Pradesh, Telangana and Gujarat are the three best-performing states in “ease of doing business”. Samsung launches ‘Smart Healthcare’ initiative in Tamil Nadu included worst in the rankings. Tamil Nadu  Based on availability of electricity in rural Samsung India has partnered with the Tamil Nadu households the best-performing states are Andhra government to offer healthcare solutions with the effective Pradesh, Goa, Kerala, Punjab and Tamil Nadu, which use of technology to patients from the economically and have achieved 100% penetration. socially weaker sections of society.As part of its “Smart  In nutrition, Kerala, Goa and Tripura are the best- Healthcare” programme, Samsung will provide advanced and performing states innovative healthcare equipments such as ultrasound and  In terms of reading comprehension Tamil Nadu, digital radiology (x-ray) manufactured to select government Mizoram and Kerala come out on top hospitals in Kanchipuram and its adjoining areas. Telangana issues ordinance to curb online rummy Kerala CM launches ride sharing app for techies The Telangana government has issued an ordinance to curb Kerala Chief Minister Pinarayi Vijayan has launched G-Ride, the “social evils” caused by online rummy card games. It a digital ride sharing platform designed and deployed for the claimed that the game has become an addiction for many IT industry by the Group of Technology Companies (GTech), people and affected their family life. Notably, online gaming the industry body of IT companies in the state. The G-Ride is an offence as per the provisions of another ordinance app automatically matches co-workers and neighbours and issued by the state a month ago. help them travel together to work. Telangana to have separate agriculture budget GUJURAT & RAJASTHAN from next year Telangana would have a separate budget for agriculture from Gujarat continues to have highest investment potential: the next year. In a meeting, Chief Minister K Chandrasekhar NCAER study Rao decided to substantially enhance funds for the Gujarat continues to have the highest potential to attract agriculture sector and present a separate agriculture budget. investment for the second year in a row, a survey by economic policy think tank National Council of Applied Economic AP launches MSME Corporation with Rs 100 cr Research (NCAER) revealed. Gujarat led the charts, top- The Andhra Pradesh government has launched the AP scoring on economic climate and perception while Delhi MSME Development Corporation with a corpus fund of Rs scored the highest on infrastructure. 100 crore to promote micro small and medium enterprises (MSME) in the State. The corporation would help in boosting the small and medium industries in the State.

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Gujarat to get India’s first high-speed rail training The Centre and the Government of Haryana has joined hands centre to revive the long lost River Saraswati and provide water to  India’s first high-speed rail training centre will set the drought-prone areas of India. up in Gandhinagar, Gujarat at a cost of Rs 600 crore.  The training of 4,000 rail engineers has been Harsimrat Kaur lays foundation of Punjab’s first maize-based food park anticipated before 2020 and approximately 300 of The Union food processing minister Harsimrat Kaur Badal these will be trained in Japan, while the rest will undergo courses at the Gandhinagar centre. has laid the foundation stone, of Punjab’s first maize based Sukhjit Mega Food Park and Infra Limited at Rehana Jattan  The training centre is supposed to start operating village. The unit will give a push to maize cultivation in Doaba by 2020 while India’s first bullet train is proposed region and lead to increased income for farmers. to come up in 2023.  Achal Khare is managing director of National High- UTTAR PRADESH & DELHI Speed Rail Corporation (NHSRC). UP govt launches free power connection scheme Rajasthan became 1st State to Fix Minimum for BPL families Education Qualification for Cooperative Body Uttar Pradesh Power Minister Srikant Sharma launched free Polls power connection scheme for the BPL card holders in the  Rajasthan became the first State to fix minimum state. Educational Qualification for candidates interesting in contesting Elections for Village Cooperatives In a first, SSB collaborates with UP for skill Societies and other Cooperative Bodies. development training  The decision was taken by the State Government The Sashastra Seema Bal (SSB) has become the first Central following the amendment to State Cooperative Armed Police Forces (CAPF) to begin skill development in Societies Rules, 2003. collaboration with a state. It has signed the Memorandum of  Accordingly, the minimum educational Understanding (MoU) with the Uttar Pradesh Government qualifications for contesting lowest post of the for three-month course on skill development. Cooperative Body have been fixed between Class Delhi HC launches helpline number for litigants V and Class VIII.  The Delhi High Court has launched a first-of-its- HARIYANA , PUNJAB & CHANDIGARH kind dedicated helpline number 1888 to provide litigants (a person involved in a lawsuit) easy access Haryana govt to set up ornamental fish hatchery to justice. in Jhajjar  It was launched keeping in mind the interests of Haryana government has decided to set up a modern those who are wheelchair bound and differently- ornamental fish hatchery in Jhajjar district announced. It total abled litigants as they will be able to make advance estimated cost of Rs 13.68 crore and will be the first-of-its- reservation for wheelchair assistance by making a kind project in the country. The National Bureau of Fish call or sending an SMS on the helpline number.Chief Genetic Resources has declared Haryana as a fish disease- justice of the Delhi high court-Justice is Gita Mittal. free state.  The present Chief justice of India is Justice Jagdish South Korea launches contest in Chandigarh to Singh Khehar and is the 44th CJI. promote tourism MADHYA PRADESH To promote South Korea as a tourist destination, its government is involving school students in Chandigarh and Madhya Pradesh sets record with plantation of 6 of nearby cities in a contest Tourism contributes five per cr saplings in day cent to South Korea’s Gross Domestic Product. On an average  In Madhya Pradesh, a massive plantation campaign 200,000 tourists from India visit the country every year. was undertaken to save the environment and Bollywood star Shah Rukh Khan has been the Goodwill conservation of the Narmada river. According to Ambassador of South Korea since April 2014. official sources over six crores, saplings were planted in 24 districts of Narmada basin in just 12 Centre, Haryana Govt. ink pact to revive River hours. Saraswati, provide water in drought-prone areas  Assam to raise new force for rhino protection.

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 The Assam government is going to raise a new Centre allots Rs 100 crore to Goa under Swadesh Special Rhino Protection Force (SRPF) for better Darshan scheme protection of the one-horned rhinos in Assam The union tourism ministry has allotted Rs 100 crore to GOA under the Swadesh Darshan scheme to augment its tourist MAHARASHTRA infrastructure under phase II of the Swadesh Darshan Scheme Maharashtra became first state to bring a law for developing the state’s coastal circuit from Panaji to making social boycott a crime Palolem.The initial allotment of Rs 100 crore under phase I  President of India has given assent to the for coastal circuit development is being utilized for Maharashtra Prohibition of People from Social developing the coastal belt in North Goa from Sinquerim to Boycott (Prevention, Prohibition and Redressal) Keri. Act, 2016. HIMACHAL PRADESH & UTTARAKHAND  Maharashtra has thus become the first state in the country to bring a law making social boycott a crime. NGT directs Uttarakhand, Himachal Pradesh to  The movement, initiated by late Narendra submit guidelines on forest fire Dabholkar, gained momentum after he was shot dead The court has also asked both the state governments to and the Maharashtra legislature passed the law inform it about the total number of forest fires till date starting unanimously in 2016. from 2016. The tribunal had earlier directed the states to submit crisis management plan for prevention and control of forest Maharashtra announces free insurance scheme for fires to the Ministry of Environment and Forests (MoEf). legislators The Maharashtra government has decided to give free Uttarakhand becomes 20th state to ban begging medical insurance cover of up to Rs10 lakh to all sitting and Uttarakhand has banned begging, making it one of the twenty former legislators and their families. The government will states and two union territories to have banned the practice. have to set aside Rs9.96 crore a year to pay the insurance Following a High Court order, the state issued the notification premiums of 335 sitting legislators and 837 former legislators that gives the police right to arrest people begging on the — 1,172 in all. Each premium works out to Rs85,000. streets. Notably, the begging ban was earlier applicable only in the temple town of Haridwar. Mumbai’s ‘Vikrikar Bhavan’ renamed as GST Bhavan Himachal to launch ‘Green Spiti’ mission ‘Vikrikar Bhavan’ the headquarters of Maharashtra Himachal Pradesh Chief Minister Virbhadra Singh has government’s erstwhile Sales Tax department, was renamed announced that a ‘Green Spiti’ mission would be launched as ‘GST Bhavan” as the new tax regime rolled out. for the Spiti Valley to increase forest cover to overcome water shortage. There is water scarcity problem in the Spiti area. Maharashtra became the 1st State to provide Women an Injectable Contraceptive for Free NORTH EAST Maharashtra State launched a Birth Control Programme Assam to raise Special Rhino Protection Force named “Antara”. With this, the State became the first State for rhino protection in the Country to provide women an Injectable Contraceptive The Assam government is going to raise a new Special Rhino for free which contains Medroxy Progesterone Acetate Protection Force (SRPF) for better protection of the one- (MPA), a birth-control Hormone. horned rhinos in Assam. State government has already KARNATAKA & GOA started the process of recruitment for the proposed force. The cadre for the force will selected from local youths hailing Karnataka offers Rs 400 cr fund to mentor 100 from the fringe areas of the Kaziranga national park. start-ups Karnataka would provide Rs 400 crore fund to mentor 100 ODISHA & WEST BENGAL start-ups with idea validation, incubation facilities and President of India inaugurates the 200th expertise in accounting and legal norms For this Karnataka anniversary celebrations of the Paika Rebellion government has launched the ‘Elevate 100’ scheme to identify of Odisha and nurture innovative start-ups. The aim is to identify 100 The President of India, Shri Pranab Mukherjee inaugurated most innovative start-ups in the state to elevate them to the the 200th anniversary celebrations of the Paika Rebellion of next level of success. Odisha today (July 20, 2017) in New Delhi.

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Odisha CM Naveen Patnaik dedicates Odisha’s (NPCI) having 2.14 lakh ATMs of all banks across longest bridge to nation the country. Odisha Chief Minister Naveen Patnaik has dedicated to the nation the state’s longest bridge and named it after Netaji Odisha to set up blood bank for cattle Subhas Chandra Bose. The 2.88 km bridge over the river Odisha is all set to become the first state in the country to Kathajodi will connect the state capital of Bhubaneswar with have a blood bank for the cattle. The storage facility would Cuttack reducing the distance between the two cities by 12 come in handy for the veterinarians to save lives of the km. domesticated animals. Odisha to set up Kalinga International Sports City BIHAR, JHARKHAND AND CHHATTISGARH for mega events Chhattisgarh govt to merge DCCBs with state After the successful organisation of 22nd Asian Athletics cooperative banks Championships, the Odisha government has announced it  The Chhattisgarh government has decided to merge would set up the Kalinga International Sports City in all the branches of the district central cooperative Bhubaneswar to hold mega international events in the coming banks (DCCBs) with the state cooperative banks. years. Chief Minister Naveen Patnaik also announced that  The decision would enable small DCCB to merge four satellite stadiums with world class infrastructures would into the state cooperative bank that would ensure be set up in the state’s Cuttack, Berhampur, Sambalpur and the fiscal strength of the entity. Rourkela.  After the merger, the working capital of the bank Union Health Ministry and West Bengal Govt. would increase to more than Rs 10 crore. This would signs MoU to set up transfusion medicine centre help the farmers to get more loans from the banks. To strengthen the blood transfusion services in West Bengal Chhattisgarh tops list of states in issuance of soil and the surrounding areas, the Union health ministry has health cards joined hands with the state government for setting up a centre According to the reports Chhattisgarh has topped the list in for transfusion medicine at Kolkata. The MoU is a part of the issuance of soil health cards among all the states in the Metro Blood Bank project of the health ministry under which country. Chhattisgarh has issued over 43 lakh soil health centres of excellence in transfusion medicine in the four metro cards (SHCs) to farmers in the past two years. cities of Delhi, Mumbai, Chennai and Kolkata would be set up. Nalco, IDCO to set up Aluminium Park in Angul  Nalco, in collaboration with Odisha Industrial Infrastructure Development Corporation, is setting up the first of its kind Aluminium Park in Angul. Odisha currently contributes about 54 per cent of India’s total aluminium smelting capacity. Odisha CM inaugurates computerisation of PACS and Rupay KCC  Odisha Chief Minister Naveen Patnaik has inaugurated computerisation of PACS and launched RuPay Kisan Credit cards in the state.  CM said that Odisha is the first state to implement an integrated Core Banking Solution Project covering all three tiers of short term cooperative credit structure – state cooperative bank, district central cooperative banks and 2,708 primary agriculture cooperative societies.  With computerisation of PACS, farmers are now able to draw their sanctioned loans from the ATM network of National Payments Corporation of India

32 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 AWARD & HONOUR 18th IIFA Awards 2017: List of Winners The 18th edition of the International Indian Film Academy It is the only Indian organisation to win the award, making Awards was held in New York. Sonam Kapoor’s film Neerja the cut from more than 800 nominations across 120 countries. won the best film award. Actor Shahid Kapoor earned the Jaya Bachchan bags Best Parliamentarian award Best Actor award for his role in Udta Punjab, while Alia Bhatt Actor and MP Jaya Bachchan has been named the Best won the Best Actor (Female) award for the same film. Woman Parliamentarian of the Year (Rajya Sabha). She was Here’s the complete list of the IIFA 2017 winners: felicitated by the Indian government at Delhi’s Vigyan  Best Film- Neerja Bhavan.  Best Director- AnirudhRoy Chaudhary for Pink  Best Actor (Male)- Shahid Kapoor for Udta Punjab Advani gets Lifetime Achievement Award for  Best Actor (Female)- Alia Bhatt for Udta Punjab contributions in Lok Sabha  Best Actor in Supporting Role (Female)- Shabana Veteran BJP leader L.K. Advani has received the Lifetime Azmi for Neerja Achievement Award for his contributions as a parliamentarian  Best Actor in Supporting Role (Male)- Anupam Kher in the Lok Sabha. for MS Dhoni: The Untold Story JD-U leader Sharad Yadav also received the Lifetime  Best Debutant (Female): Disha Patani for M.S. Achievement Award as a Rajya Sabha representative from Dhoni: The Untold Story Vice President Hamid Ansari at a function organised by the  Best Debut (Male)- Diljit Dosanjh for Udta Punjab Lokmat Media Group to honour distinguished Lok Sabha  Best Lyricist- Amitabh Bhattacharya for the song and Rajya Sabha members. Channa Mere Ya from Ae Dil Hai Mushkil Telangana IPS officer gets award from US state  Best Playback Singer (Male)- Amit Mishra for Ae department Dil Hai Mushkil Mahesh Muralidhar Bhagwat, an IPS officer from Telangana  Best Playback Singer (Female)- Kanika Kapoor for currently Rachakonda police Commissioner, has been Udta Punjab and Tulsi Kumar for Airlift conferred with the 2017 Trafficking in Persons (TIP) Report  Best Music Direction- Pritam for Ae Dil Hai Mushkil Heroes Award by the US State Department for his fight  Best Actor In Comic Role- Varun Dhawan for against human trafficking in India. Dishoom  Myntra Style Icon Award- Alia Bhatt Tata Steel receives PM’s trophy for best  IIFA Woman Of The Year-Tapsee Pannu Integrated Steel Plant AP CM Naidu gives away Rs 50 lakh cash prize to Tata Steel Ltd has bagged Prime Minister’s trophy for ‘Best shuttler Kidambi Srikanth Performing Integrated Steel Plant’ in the country for the performance years 2014-2015 and 2015- 16. For the third Andhra Pradesh Chief Minister ‘N Chandrababu Naidu’ gave consecutive year, Tata Steel has bagged the award. Natarajan away 50 lakh cash prizes and offered Group 1 post to Chandrasekaran is the Chairman of TATA steel. Badminton Champion Kidambi Srikanth and Rs.15 lakh cash prize for his Coach ‘P. Gopi Chand’. He also announced the Indian-origin man awarded Australia’s highest allocation of 1000 square yards house site to the player in civilian award ‘Amaravathi’. Guruswamy Jayraman, a 69-year-old Glenwood resident who Pune NGO wins UN prize for sustainable farming migrated from Delhi to Australia in 1991, has been awarded model Order of Australia for community work, the highest civilian award in Australia. Swayam Shikshan Prayog, a city-based NGO, has been awarded the United Nations Development Programme’s Writer Preeti Shenoy bags Indian of the Year award Equator Prize for devising an ecologically sustainable Writer Preeti Shenoy was honoured with the Indian of the agriculture model to combat the adverse impacts of drought. Year award. Shenoy, who is one of India’s top five highest

33 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 selling women authors, was awarded by Brands Academy, for Environment Management. The award was presented one of the most reputed branding companies in India to during the 19th World Congress on Environment recognise the achievements of personalities who have Management in Hyderabad. contributed towards building up the reputation of the Vijaya Bank MD Kishore Sansi gets Skoch award country. Kishore Sansi, Managing Director and CEO of Vijaya Bank, Sindhu, Gopichand bag Sportsperson, Coach of the has been conferred the ‘Personality of the Year’ award by Year awards Skoch Consultancy Services The award is part of the ‘Skoch a) Ace Indian shuttler PV Sindhu was awarded the Banking and Financial Leadership’ series. Sportsperson of the Year award by Sports Illustrated Film Baahubali and ISRO honored at TIMES NOW magazine at the ‘Maruti Suzuki Sportsperson of the ICICI Bank NRI of the Year Awards 2017 Year’ Charity Gala Awards. Times Now and ICICI Bank jointly hosted the fourth edition b) Meanwhile, Pullela Gopichand was conferred with of ‘Times Now ICICI Bank NRI of the Year Awards powered the Coach of the Year award, for mentoring a host by Global Indian International School’ in Mumbai. This of shuttlers like Sindhu, Saina Nehwal, Kidambi season was organised as the NRI of the Year Awards 2017 to Srikanth, B Sai Praneeth, HS Prannoy, and many salute the spirit of the global Indian. Some of the awards are others to do well on the international circuit over  Global Indian Impact Icon — Baahubali –Tamannaah the last few years. Bhatia and V Vijayendra Prasad (writer of Baahubali) c) Former sprinter Milkha Singh bagged the Living  India’s Global Icon — Shri A. S. Kiran Kumar Legend award, the Lifetime Achievement award was (Chairman of the Indian Space Research won by shooter Abhinav Bindra, Inspirational Organisation) athlete of the year award was won by Deepa Malik.  Global Indian Awards – Sports — Pankaj Ankit Kawatra bags Queen’s Young Leaders Advani(English billiards and former professional Award for 2017 snooker player) Anti-hunger activist ‘Ankit Kawatra’ (25-year) has been  IIFA Woman Of The Year- Tapsee Pannu(Indian awarded the Young Leaders Award for 2017 by Queen actress) Elizabeth II at a ceremony in the Buckingham Palace. The Nandakishore Kapote awarded: Internationally-acclaimed Queen’s Young Leaders Award recognizes exceptional work senior kathak dancer Pandit Nandakishore Kapote was towards solving hunger and malnutrition.Ankit Kawatra is conferred with a fellowship by the Department of Culture, the founder of Feeding India, an organization which works Government of India. towards eradicating hunger and food wastage in India.  Dhanraj Pillay to get East Bengal’s highest award ‘Bharat Gaurav’ Former India hockey captain ‘Dhanraj Pillay’ will be awarded, East Bengal football club’s highest honor ‘Bharat Gaurav’ on their foundation day (1st August). Currently, Pillay serves as the manager of the Indian national hockey team. Oxford poet honoured by Indian President for Hindi works Dr Padmesh Gupta, an Oxford poet has been honoured with a national award by the Indian Government for promoting Hindi literature abroad. It recognises his commitment to promoting and propagating his native Hindi with poetry he has published. Danfoss India conferred with Golden Peacock environment management award Climate and energy efficiency solutions company Danfoss India has been conferred with the ‘Golden Peacock Award’

34 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 PERSON IN NEWS WORLD Kaushik Basu: Economic Advisor ‘Kaushik Basu’ has Achal Kumar Jyoti is the Election Commissioner of India taken over as the President of the International Economic along with O P Rawat. Association (IEA) for three years. ‘Kaushik Basu’ has Sanjay Kothari: Sanjay Kothari, Chairman of Public served as India’s chief economic adviser and chief Enterprises Selection Board, has been appointed as Secretary economist at the World Bank. Currently, Mr. Basu is the to President-elect Ram Nath Kovind. C. Marks Professor of International Studies and professor Gopal Baglay: External Affairs Ministry spokesperson of economics in the College of Arts and Sciences at Cornell Gopal Baglay appointed as Joint Secretary in the Prime University. Minister’s Office. Carrie Lam: Carrie Lam has been sworn in as Hong Kong’s John Joseph: John Joseph has been appointed Director chief executive, becoming its first female leader and the fourth General of Goods and Services Tax Intelligence (DG GSTI). person to hold the top government post since China regained The DG GSTI is the new name given to the Directorate General control of the former British colony in 1997. of Central Excise Intelligence (DGCEI). Preet Kaur Gill: Britain’s first woman Sikh MP Preet Kaur Sanjay Kumar: Senior IPS officer Sanjay Kumar was Gill has been elected to an influential cross-party panel in appointed as Director General (DG) of National Disaster the UK Parliament that examines the workings of the Home Response Force (NDRF). He will succeed R K Pachnanda Office. who was has taken charge as DG the Indo-Tibetan Border Krishna R Urs: U.S. President Donald Trump has Police (ITBP). appointed an Indian-American named Krishna R Urs as R K Pachnanda: Senior IPS officer R K Pachnanda took the new US Ambassador to Peru. charge as the new Director General of the Indo-Tibetan Border Khaltmaa Battulga: Democratic Party of Mangolia Police (ITBP). He will be the 29th Chief of the ITBP. With this Candidate Khaltmaa Battulga sworn in as the new President appointment, Pachnanda became the only IPS officer who of Mangolia replacing the incumbent President Tsakhia has served in all the major central paramilitary forces and Elbegdorj. Mangolia is a landlocked Country located between agencies – CRPF, CISF, BSF, NDRF, SPG, CBI and now the China and Russia and its capital is Ulaanbaatar. Currency of ITBP. Mangolia is Mongolian Togrog. Raninder Singh: Raninder Singh, son of Punjab Chief Mihai Tudose: Social Democratic Party candidate Mihai Minister Amarinder Singh, has been re-elected the president Tudose has been appointed as the new Prime Minister of of the National Rifle Association of India (NRAI) for another Romania succeeding Sorin Grindeanu. Romania is a four-year term. Sovereign State located in Southern Europe and became a Vikramajit Sen: The Board of Directors of Indian EU member in 2007. Incumbent President of Romania is Klaus Broadcasting Foundation (IBF) appointed former Supreme Lohannis. Bucharest is the Capital of Romania and Romanian Court judge, Justice Vikramajit Sen, as the new chairperson Leu (RON) is the currency. Broadcasting Content Complaints Council (BCCC), the INDIA independent self-regulatory body set up by the Foundation in June 2011 to examine content-related complaints relating K K Venugopal: A noted constitutional expert and Senior to all non-news general entertainment channels in India. advocate ‘K K Venugopal’(86-year) has been cleared for Subhash Garg: former Executive Director of the World appointment as the Attorney Generalfor India following the Bank, Subhash Chandra Garg took charge as the Secretary decision of ‘Mukul Rohatgi’ to step down as the top law of Department of Economic Affairs under the Ministry of officer. Attorney General appointed by the President of India Finance. He has succeeded former Economic Affairs under Article 76(1) of the Constitution and holds office Secretary Shaktikanta Das, who was retired after an extended during the pleasure of the President. tenure on 31 May 2017 and Corporate Affairs Secretary Tapan Achal Kumar Jyoti: Achal Kumar Jyoti (1975-batch – Ray was given additional charge of DEA effecting from 01 IAS officer) will be the next Chief Election Commissioner June 2017. (CEC) of India. He would take charge from incumbent TR Zeliang: Nagaland Governor PB Acharya dismissed ‘Nasim Zaidi’, retire from his post on 6 July 2017. Currently, the five month old Government of Shurhozelie Liezietsu and appointed TR Zeliang as the new Chief Minister. The

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Governor adjourned “Sine Die” under Article 164 of the festival, which will be held from August 10 to August 22, will Constitution of India as the former Chief Minister Shurhozelie showcase over 60 films. Liezietsu and his supporters failed to turn up in the Assembly Saima Wazed: Saima Wazed Hossain has appointed as to prove their majority. TR Zeliang is the legislator of WHO Goodwill Ambassador for Autism in South-East Asia Nagaland Peoples Front (NPF). Region. Tedros Adhanom is the Director-general of the World Health Organization having headquarters at Geneva, CORPORATE & BANKING Switzerland. SN Subrahmanyan: SN Subrahmanyan has taken Sandeep Patil: Former Indian batsman Sandeep Patil was charge as the CEO and managing director(MD) of Larsen named the brand ambassador of the Indian indoor cricket & Toubro. He replaced AM Naik, who will continue as team. Patil will be the face of the team in the lead-up to the Non-Executive Chairman for three years (from 1st 10th edition of the World Indoor Cricket Federation (WICF) Oct).Larsen & Toubro Limited (L&T) is an Indian World Cup, scheduled to be held from September 16 to 23 in multinational conglomerate headquartered in Mumbai. Dubai. Rajkiran Rai G has assumed charge as Managing Director Lilly Singh: UNICEF has appointed Indian- origin Canadian & CEO of Union Bank of India. Prior to his elevation as MD YouTube star Lilly Singh as its newest Global Goodwill & CEO of Union Bank of India, Rai was Executive Director of Ambassador. Oriental Bank of Commerce. Melwyn Rego has assumed charge as Managing Director OBITUARY & CEO of Syndicate Bank. Prior to joining Syndicate Bank, Simone Veil: The French politician and Holocaust Rego was MD & CEO of Bank of India. survivor ‘Simone Veil’ (89-years) passed away in her home Sunil Kakar: Sunil Kakar, the Chief Financial Officer of in Paris. Simone served as minister of health under the IFDC Bank has been appointed as MD & CEO of center-right government of Valery Giscard d’Estaing and Infrastructure Development Finance Company Limited later as president of the European Parliament. (IDFC). He has succeeded Vikram Limaye, who was joined as Actor Nelsan Ellis: Actor Nelsan Ellis was best known the new MD & CEO of National Stock Exchange (NSE). for playing Lafayette Reynolds on the HBO series “True Captain Divya: At a young age of 30, Captain Divya has Blood,” has died at the age of 39. become world’s youngest woman commanders to fly a Nirupam Sen: Nirupam Sen, a former Indian Permanent Boeing 777 airplane ever. Representative to the UN has passed away. Mukesh Kumar Jain: Mukesh Kumar Jain has been Mangesh Tendulkar: Renowned cartoonist Mangesh appointed as the managing director and chief executive Tendulkar has been passed away after illness. officer of Oriental Bank of Commerce. Elsa Martinelli: Elsa Martinelli, the veteran Italian actress, Vikram Limaye: Vikram Limaye will take charge as managing best known for her work in the 1955 film “The Indian Fighter” director (MD) and chief executive officer (CEO) of the has passed away. country’s largest bourse, the National Stock Exchange of Martin Landau:Oscar-winning American actor Martin India Ltd (NSE). Landau, most closely associated with scene-stealing character turns in such films as “North by Northwest,” RESIGN “Crimes and Misdemeanors” and “Ed Wood” as well as the Venkaiah Naidu: M Venkaiah Naidu, the vice presidential classic TV series “Mission: Impossible,” has passed away. candidate of the BJP-led ruling coalition, quit the government Kamal Haasan: Tamil film actor Kamal Haasan has been and BJP. Smriti Irani will take additional charge of the appointed brand icon of Pro Kabaddi League franchise Tamil Information and Broadcasting Ministry and Narendra Tomar Thalaivas which is co-owned by India batting legend Sachin will take charge of Urban Development. Tendulkar. BRAND AMBASADR China’s Nobel laureate Liu Xiaobo: China’s most Amitabh Bachchan: Megastar Amitabh Bachchan’s (who famous political prisoner, the Nobel laureate and democracy had served as UNICEF Goodwill Ambassador for Polio in icon Liu Xiaobo, has died at the age of 61. Liu was awarded India) ambassadorship for UNICEF has been extended for the 2010 Nobel Peace Prize for his long and non-violent another two years. The World Health Organisation also struggle for fundamental human rights in China. appointed Bachchan as its goodwill ambassador for hepatitis in South-East Asia region to boost awareness and intensify action to arrest the epidemic.  Vidya Balan: Actress Vidya Balan has been named the ambassador of the Indian Film Festival of Melbourne. The

36 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 PLACE IN NEWS Ahmedabad became India’s first World Heritage City UNESCO puts Old City of Hebron on its heritage  On 8 July 2017, the World Heritage Committee in danger list (WHC) of UNESCO announced Ahmedabad City in The UNESCO World Heritage Committee acting on a proposal Gujarat as India’s first World Heritage City. brought by Palestine has put the West Bank city of Hebron,  The 600 years old Ahmedabad was founded by Palestinian on its list of world heritage in danger. Emperor Ahmed Shah. PM Narendra Modi adopts wrestlers’ village  Ruchira Kamboj is the India’s Permanent Kakrahia under the Sansad Adarsh Gram Yojana Representative to UNESCO. Prime Minister Narendra Modi will adopt Kakrahia, a village  United Nations Educational, Scientific and Cultural known for its wrestlers and wrestling arenas, under the Organisation (UNESCO) is a United Nations

S ansad A darsh G ram Y ojana. This will be the third village to specialised agency formed on 16 November 1945 be adopted by the Prime Minister in his Lok Sabha with headquarters in Paris, France. constituency of Varanasi. Modi adopted Jayapur and Nagpur,  It has 195 member states and Irina Bokova is the as his first and second villages. incumbent Director General of UNESCO.  UNESCO’s aim is to contribute to the Building of India’s tallest ATC tower to be operational at Delhi Peace, the Eradication of Poverty, Sustainable airport by December Development and Intercultural Dialogue through The new 101.9-metre air traffic control (ATC) tower at the Education, the Sciences, Culture, Communication Delhi airport — touted to be the country’s tallest — is likely and Information. to start operations by December. The new ATC Gandhi International Airport will UNESCO names Sharjah as World Book Capital tower at Delhi’s Indira be the tallest structure in Delhi. It will be the seventh tallest UNESCO has named Sharjah as the World Book Capital for ATC tower in the world. 2019. Sharjah is the 19th city to be named as World Book Capital by the United Nations Educational, Scientific and ‘The Arena’ by TransStadia inaugurated by Prime Cultural Organization (UNESCO). Irina Bokova is the Director- Minister Narendra Modi General of UNESCO. UNESCO has 195 member states. Prime Minister Narendra Modi has inaugurated ‘The Arena’ in Ahmedabad, Gujarat one of the most advanced integrated Matunga becomes India’s first railway station run multi-purpose stadiums. It is a public-private partnership by women between the government of Gujarat and TransStadia. In a bid to empower women, Central Railway has appointed TransStadia is a 360° sports company with interests in Sports all women staff at suburban Matunga railway station (which Infrastructure, Sports Technologies, Sports Academies, etc. is located in central Mumbai), thereby making it India’s first railway station run by women.In context of this news, it is to India’s first university only for Dalit students to be noted that Shyam Nagar Metro station in Jaipur is the come up in Hyderabad by 2018 first Metro Station in India to be operated by all-women staff. Telangana is the first state to build India’s first university for Dalit students by 2018.The university will be a part of the World’s 1st Saola breeding centre in Vietnam government’s policy of providing education free of cost to The world’s first centre for breeding Saola, a critically students from weaker sections from kindergarten to post- endangered hoofed mammal, is being constructed in graduation (KG to PG) level. Vietnam’s central region. The centre in Bach Ma National Park in Thua Thien Hue province will open in 2018 as a joint Langar at Golden Temple to be prepared with solar effort by the Saola World Working Group and the energy International Union for the Conservation of Nature, which Amritsar’s Golden Temple will now use solar energy to prepare will help tackle the ungulate endemic. ‘langar’ instead of LPG and wooden sticks, in a bid to cut down air pollution in the area. This comes after a Mumbai-

37 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 based private company donated a solar energy system worth The Oberoi Hotels & Resorts and The Leela Palaces, Hotels Rs1.5 crore to the Temple authorities. This is the Temple’s & Resorts are ranked 8th and 10th in a Travel and Leisure second eco-friendly move, after starting organic farming for survey on the World’s Top 15 Hotel Brands. Six Senses of grains. Thailand, which also operates a spa in India, topped the list. Oberoi Hotels, Leela Palace in World’s Top 15 Hotel Brands  SPORTS CRICKET TENNIS Team India new coach Former India all-rounder Ravi Shastri has been named as the Complete winners list of Wimbledon 2017 Indian cricket team’s new head coach till the 2019 ICC World Cup. Anil Kumble was appointed in 2016 the head coach for Category Winners Runner up a year. Bharat Arun appointed as the Indian Cricket team’s Men's Singles Roger Marin Čilić bowling coach. Federer (Croatia) (Switzerland) Lasith Malinga gets one-year ban and fined for Women's Singles Garbiñe Venus media remarks Muguruza Williams Sri Lankan fast bowler ‘Lasith Malinga’ has been suspended (Spain) (United States) for one year after pleaded guilty to a breach of contract by Men's Doubles Łukasz Oliver Marach speaking to the media without permission. Kubot (Austria) / (Poland) / Mate Pavić England wins 2017 ICC Women’s World Cup Marcelo (Croatia)  England’s women’s cricket team won 2017 ICC Melo World Cup title by defeating India by 9 runs at Lord’s (Brazil) Cricket Ground in London. It was England’s fourth Women's Doubles Ekaterina Taipei Chan Makarova Hao-ching Women’s World Cup title. (Russia) / (China) /  Besides the inaugural edition in 1973, England had Elena Monica won the World Cup in 1993 and 2009 as well. In this Vesnina Niculescu edition of World Cup, Tammy Beaumont of England (Russia) (Romania) was awarded Player of the Series title. Mixed Doubles Jamie Henri  She had made most runs (410) in the tournament. Murray Kontinen Dane van Niekerk of South Africa took most wickets (United (Finland) / (15) in the tournament. Kingdom) / Heather Martina Watson  Notably, it was India’s second appearance in the Hingis (United Women’s World Cup final, having lost to Australia (Switzerland) Kingdom) in 2005.  Indian women’s cricket team skipper Mithali Raj has Important Points to Note : This is Federer’s record eighth surpassed former England captain Charlotte Wimbledon singles title and Muguruza career’s first Edwards to become the highest run-scorer in the Wimbledon title. One-Day Internationals (ODI). The Indian skipper now has 6,028 runs in 181 ODIs Djokovic clinches Eastbourne tennis title Serbian tennis player Novak Djokovic has defeated France’s Gael Monfils to clinch the Eastbourne International title.

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Chennai Open renamed Maharashtra Open, to be In a historic first for Indian boxing, the country will host the held in Pune elite men’s World Championship in 2021 besides conducting India’s most celebrated tennis event, the ATP tournament the women’s World Championship for the second time next which acquired heritage status as the ‘Chennai Open’, will year, the International Boxing Association (AIBA) has now be held in Pune next year and would be henceforth announced. called “Maharashtra Open”. BADMINTON FOOTBAL Indian shuttlers win singles, doubles titles in Ivory India ranked 96th in FIFA Rankings Coast As per the updated FIFA world football rankings, the Indian Ritika Thaker beat Simran Singhi in an all-Indian women’s national football has managed to secure the 96th spot moving singles final in the Ivory Coast International badminton up four places. Earlier, India was placed at the 100th position. tournament at Abidjan. Along with the duo combined together This is the best ranking secured by India in 21 years.In 1996, i.e. Ritika Thaker and Simran Singhi won the doubles title in India managed to secure the 94th spot. Also Germany have the same. returned to the top of FIFA’s world rankings, for the first time OTHER SPORTS in two years, knocking Brazil into second place. Captain of Indian National Football Team: Gurpreet Singh Sandhu, India tops medal tally for first time in Asian Coach: Stephen Constantine Athletics Championships history  22nd edition of Asian Athletics Championships Germany wins 2017 Confederation Cup Football (AAC) was hosted by Odisha from 6 to 9 July 2017 title at the Kalinga Stadium, Bhubaneshwar. 23rd AAC Germany has won the maiden FIFA Confederation Cup will be held on Doha capital of Qatar in 2019. Football title by defeating Copa America Champion Chile by  Hosts India, with 12 gold, five silver and 12 bronze 1-0 goals in the final match held at St Petersburg, Russia. (29 medals), topped the medals tally for the first Jehan Daruvala becomes 1st Indian to win FIA Formula 3 time in the history of Asian Athletics European Championship race Jehan Daruvala has become Championships. the first Indian driver to win in the FIA Formula 3 European  China ended this edition with a tally of eight gold, Championship, claiming victory in Race 3 at the Nuremberg seven silver and five bronze. Kazakhstan finished circuit. third with four gold, two silver, two bronze on third FIFA has lifted their ban on the Sudan Football place. Association  Olly, the Olive Ridley sea turtle, an endangered World football’s governing body FIFA lifted the ban on the specie that travels to Odisha’s Rushikulya and Sudan Football Association (SFA) imposed on it for the failure Gahirmatha beaches for its nesting, was chosen as to abide by agreements mentioned in articles 14 and 19 of the the mascot. FIFA statute.  The Championships were originally scheduled to be held at Ranchi, Jharkhand. FIFA to shift India’s U-17 World Cup matches from  On 30 March 2017 post a detailed presentation by Mumbai to Delhi Adille Sumariwalla, President AFI, Bhubaneswar All India Football Federation (AIFF) had initially wanted was selected for hosting the Asian Athletics Mumbai to host all of India’s matches in the group stage of Championship by the Asian Athletics Association the tournament. Now FIFA has taken decision to shift India’s Council. group stage matches in the upcoming FIFA U-17 World Cup  The Asian Athletics Championships are organized from Mumbai to Delhi. by Asian Athletics Association every two years. BOXING India to host maiden men’s World Boxing Championship in 2021

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The Gold winners are as Ace Indian cueist Pankaj Advani teamed up with Laxman Rawat has defeated Pakistan in Asian Team Snooker Women Championship final held in Bishskek, Kyrgyzstan. Advani is 400 metres Nirmala Sheoran currently the only player in the world to compete at the world 1500 metres PU Chitra championship level in both billiards and snooker. Sudha Singh 3000 metres India finish second in Junior Shooting World 4 × 400 metres Debashree Championship relay Mazumdar The Indian shooting squad has finished second at the ‘ISSF M. R. Poovamma Junior World Championship’ with three Gold, two Silver, and Jisna Mathew three Bronze medals in Suhl, Germany.China topped the tally Nirmala Sheoran in the rifle/pistol tournament with 19 medals, including eight Shot put Manpreet Kaur gold. Heptathlon Swapna Burman men Indian men’s & women’s throwball teams bag gold 400 metres Mohammad Anas medals in World Games 1500 metres Ajay Kumar Saroj The Indian men’s & women’s throwball teams bagged one 5000 metres Govindan gold medal each in the World Games at Kathmandu, Nepal.The Lakshmanan women’s team defeated Pakistan in final to clinch the title. 4 × 400 metres Kunju Muhammed The men posted a win over Bangladesh in final to finish at relay Amoj Jacob the top of the podium. Arokia Rajiv Mohammad Anas Lewis Hamilton wins Formula One British Grand 10,000 metres Govindan Prix Lakshmanan Lewis Hamilton, who beat teammate Valtteri Bottas and Javelin throw Neeraj Chopra Ferrari’s Kimi Raikkonen, registered his fourth straight British GP win. With this, he equalled Jim Clark and Alain Prost’s India end campaign with 5 medals in World Para record of five British Grand Prix titles after winning the race. Athletics Championship 2017 in London  India ended their World Para Athletics Manudev wins National Masters snooker title Championship campaign with five medals, including Karnataka’s Manudev got the better of fancied Alok Kumar a gold of PSPB by four frames to one in the final today to win the  Sundar Gurjar had clinched the lone gold for India title in the first National Masters snooker tournament held in in men’s javelin throw F-46 event Chennai.  Amit and Karam had won a silver and a bronze in NEWS IN BREIF men’s club throw F-51 and women’s discus throw  India’s Harinder Pal Sandhu has defeated Rhys F-55 respectively Dowling of Australia to lift South Australian Open  India won a silver and a bronze in the men’s T-42 squash title. category high jump event through Sharad Kumar  Teenage Atthaya Thitikul became the youngest and Varun Singh Bhati respectively. winner on the Ladies European Tour a professional Asian champion shot-putter Manpreet Kaur fails golf tour for women. The Ladies European Tour held dope test in Thailand at the Phoenix Gold Golf and Country Asian champion shot-putter Manpreet Kaur, who has been Club. caught in the dope net after testing positive for a banned  Mercedes’s driver Valtteri Bottas has won the stimulant, might lose the gold medal clinched by her earlier Austrian Grand Prix by defeating Ferrari’s German this month. Ms. Kaur, who won a gold medal in the recently- Sebastian Vettel. concluded Asian Athletics Championships in Bhubaneswar,  India will host next edition of Theatre Olympics, the tested positive for stimulant dimethylbutylamine. biggest theatre celebration of the world. The eight edition of the greatest carnival will start from Pankaj Advani-led India win Asian Team Snooker February 17-April 08, 2018. Championship 

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India’s first High Speed rail Training Centre to streamline operations, boost innovation and gain a platform be come up in Gandhi Nagar for growth.  India’s first High Speed Rail Training Centre to be come up in Gandhi Nagar with advanced Training French rocket Ariane-5 launches India’s Modules on Cutting Edge Technologies. communication satellite GSAT-17  The Training Centre will be started functioning by India’s communication satellite GSAT-17 was launched by 2020. French rocket Ariane-5 from Kourou, French Guiana by  It is to note that, India’s first Bullet Train is proposed Ariane-5 VA-238. The satellite weighing 3477 kg at lift-off to run in Indian Track by 2023. carries Payloads in Normal C-band, Extended C-band and S- band to provide various communication services. Tata Motors develops first bio-methane bus Auto major Tata Motors on Monday rolled out the country’s SPACE SCIENCE first bio-CNG (bio-methane) bus.The company said the bio- Universe’s smallest star discovered methane engines (5.7 SGI and 3.8 SGI) will be available on The smallest star ever recorded — one about the size of light and medium buses. It displayed three models, including Saturn — has been discovered by a team of astronomers, the lead model Tata LPO 1613 with 5.7 SGI NA BS-IV IOBD- according to a study released.With the unwieldy name of II compliant bus. The Tata LPO 1613, has already in operation EBLM J0555-57Ab, the star is located some 600 light-years by Pune Municipal Transport Corporation. away in our Milky Way galaxy. The star is probably as small Siemens opens its first digital factory in India as stars can be according to astronomers. Siemens has opened its first digital factory in India (in Indian astronomers discover supercluster of Mumbai), also the third globally after one each in Germany galaxies, name it ‘Saraswati’ and China, as the industrial conglomerate pitches smart A group of Indian astronomers have discovered a massive facilities to small and medium scale enterprises in the country. supercluster of galaxies, and have named it Saraswati. The Digital factory is one of the nine divisions at Siemens. It aims supercluster is about 4 billion light years away and spreads to provide a comprehensive portfolio of hard ware and over a “great wall” about 600 million light years across. This software products which enable comprehensive integration makes it one of the largest superclusters to be discovered of data from development, production and suppliers. and also the furthest. Reliance Jio launches AAE-1, world’s longest 100Gbps submarine cable system Reliance Jio has launched the Asia-Africa-Europe (AAE-1)  submarine cable system. The company claims that it is the world’s longest 100Gbps technology-based submarine system and will stretch for over 25,000km from Marseille, France to Hong Kong. It will have 21 cable landings across Asia and Europe. Oracle opens its first Digital Hub in Bengaluru To provide small and midsize businesses (SMBs) access to the Cloud solutions and resources, Cloud major Oracle has Faculties from New Delhi & Hyderabad opened its first ‘Digital Hub’ in Bengaluru. The facility is Contact : 8093083555, Web : vanikias.com first of the five ‘Digital Hubs,’ to be opened in Asia Pacific CRPF Square, Bhubaneswar which will help SMBs leverage Oracle Cloud solutions to

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P h . : (0674) 6556677, 8093556677. W eb : w w w .vanik.org, E-m ail : van ikb b sr@ gm ail.co m MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 HEALTH & EDUCATION Shri J P Nadda launches the National Strategic Plan for Malaria Elimination 2017-22  Swayam: It an indigenously designed massive open  Union Minister of Health and Family Welfare, J P online course (MOOC), It will host all the courses, Nadda, launched the National Strategic Plan for taught in classrooms from 9th class till post- Malaria Elimination (2017-22) at a function in New graduation and can be accessed by anyone, Delhi. anywhere at any time. It aims to bridge the digital divide for students in e-education.  The Strategic Plan gives year wise elimination targets in various parts of the country depending  Swayam Prabha: It will provide high quality upon the endemicity of malaria in the next 5 years. educational contents, developed by experts,  It is to be noted that National Framework for Malaria through 32 DTH (direct to home) Television Elimination (NFME) that was launched last year Channels with an aim to bring uniformity in standards of education. It will cover diverse outlined India’s commitment for eliminating malaria by 2030. disciplines of all levels of education in various languages. It will be available to all and will be having India declares itself free from Bird Flu new content of 4 hours to be telecasted 6 times a India has declared itself free from Bird Flu (highly pathogenic day. Avian Influenza - H5N1 and H5N8) and notified it to the  National Academic Depository: It is a digital World Organisation for Animal Health. The move will help it depository of academic awards for authenticating resume export of poultry products to the countries which all certificates issued by institutions. NAD will had banned trade in such items early this year.The World directly integrate with Boards/Universities which Organisation for Animal Health is recognised as a reference issue Certificates which will be verified, body by the World Trade Organization. authenticated, accessed and retrieved in a digital depository for purpose of employment, higher “JIGYASA” – Student-Scientist connect education, and loans. programme launched  National Digital Library: It is a large online library Jigyasa, a student- scientist connect programme has been containing 6.5 million books. It provides free access launched in the New Delhi. Council of Scientific and Industrial to many books in English and the Indian languages. Research (CSIR), has joined hands with Kendriya Vidyalaya Sangathan (KVS) to implement this programme. The focus is President Mukherjee launched four digital on connecting school students and scientists so as to extend initiatives over e-education student’s classroom learning with that of a very well planned President Pranab Mukherjee on 9th July launched digital research laboratory based learning. initiatives Swayam, Swayam Prabha, National Academic Depository and National Digital Library in New Delhi to push India top health sector provider to UN e-education in the country. According to ministry of human According to a report by the United Nations, India, which resource development (MHRD) these initiatives will increase plays the role of the world’s pharmacy by producing the Gross Enrolment Ratio in the higher education from 5 affordable drugs, was the top supplier in the health sector to (2015-16) to 30 by 2020. the UN system last year with total sales of nearly $804 million Gross Enrollment Ratio (GER) or Gross Enrollment Index (GEI) in pharmaceuticals and medical services. is a statistical measure used in the education sector and by To push e-education govt launches four digital the UN in its Education Index to determine the number of initiatives students enrolled in school at several different grade levels President Pranab Mukherjee has launched four major digital (like elementary, middle school and high school), and use it initiatives in to push e-education. These are Swayam, Swayam to show the ratio of the number of students who live in that Prabha, National Academic Depository and National Digital country to those who qualify for the particular grade level. Library. 

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ENVIRONMENT & ECOLOGY

Eco-bridges for the movement of tigers  He also directed the authorities that no waste In a first of its kind, Telangana State will have eco-friendly dumping should be allowed within 500 meters from bridges over a canal cutting across the tiger corridor linking the edge of the Ganga. Also, 100 meters from the the Tadoba-Andhari Tiger Reserve (TATR) in the Chandrapur edge of the river should be declared a “no- district of Maharashtra with the forests in Telangana’s development zone,” Kumram Bheem Asifabad district. The ‘eco-bridges’ will be constructed at key spots along the 72 km-long, and at some NGT bans use of nylon and synthetic manja places over a kilometre wide, right flank canal of the Pranahita The National Green Tribunal has imposed a complete ban on barrage in the Bejjur and Dahegaon mandals. ‘manja’, the string used to fly kites, made of nylon or any synthetic material which is non-biodegradable, saying it NGT orders Rs 50,000 fine for dumping waste into posed a threat to the lives of birds, animals and humans. A Ganga bench headed by NGT Chairperson Justice Swatanter Kumar  The National Green Tribunal (NGT) headed by directed all state governments to prohibit the “manufacture, Justice Swatanter Kumar directed A penalty of Rs sale, storage, purchase and use” of synthetic manja or nylon 50, 000 will be imposed on those dumping waste in threads and all other synthetic threads used for flying kites. the stretch between Haridwar and Unnao of River Ganga  DEFENCE GRSE hands over 2nd LCU Mark IV vessel The second of the eight Mark IV LCU vessels, built by Garden Australia and US jointly launched multimillion Reach Shipbuilders and Engineers Limited (GRSE), Kolkata, hypersonic missile – HIFiRE was formally handed over to the Indian Navy at a ceremony  The US and Australia have jointly test-fired a in Kolkata. The L52 ship was handed over by Rear Admiral V hypersonic missile capable of moving at a speed K Saxena, IN (Retd) CMD, GRSE, to the Commanding Officer eight times faster than sound as part of a $54-million of the ship Cdr Kaushik Chatterjee. research project.  The test was part of a project called the Hypersonic Israel to partner DRDO for developing missile International Flight Research Experimentation defence system for India Program (HIFiRE) involving the US and Australian In a major upgrade to its defences, the Indian Army has militaries, Queensland University, Australia’s signed a MoU with the Defence Research and Development Defence Science and Technology Group. Organisation (DRDO) to raise one regiment of the advanced  A hypersonic glider capable of moving at a speed Medium Range Surface to Air Missiles (MRSAM). The army eight times faster than sound has launched from a plans to have a total of five regiments of this air defence rocket range in the town of Woomera, South system, which will be deployed opposite to China and Australia. Pakistan. US Navy tests world’s first Laser Weapons System US inducts world’s largest aircraft carrier worth The U.S. Navy recently tested the world’s first-ever active Rs.83,000 cr laser weapons system, which is now deployed and ready for The US Navy on Saturday officially inducted the world’s war. largest aircraft carrier USS Gerald R Ford, which is worth Each strike travels 50,000 times the speed of an incoming over Rs83,000 crore ($12.9 billion) and weighs 1 lakh tonnes. intercontinental ballistic missile (ICBM).

43 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 Pakistan successfully test fires short-range India-Thailand military exercise begins in ballistic missile, Nasr Himachal Pakistan has successfully test-fired short-range surface-to- A 14-day joint military training exercise “Maitree 2017” surface ballistic missile ‘Nasr’. NASR is a high-precision between India and Thailand has started in Chamba district weapon system with the ability to be deployed quickly. of Himachal Pradesh. India test-fires quick reaction missile US to sell C-17 Globemaster Transport Aircraft  India has successfully test-fired an indigenously to India developed short-range and Quick Reaction Surface US has decided to sell one C-17 transport aircraft to India.The to Air missile (QRSAM) from Chandipur along the sale of USD 366.2 million C-17 transport aircraft manufactured Odisha coast. by Boeing also includes one Missile Warning System, one  The state-of-the-art missile has a strike range of 20- Countermeasures Dispensing System, one Identification 30 km and is capable of engaging multiple targets. Friend or Foe (IFF) Transponder and precision navigation · The missile has been developed by the DRDO and equipment. other establishments.  RECENT SUMMIT IN NEWS 22nd World Petroleum Congress (WPC) International Conference held in Istanbul, Turkey Secure Cyberspace‘. The cyber security will be one Theme for 22nd World Petroleum Congress was ‘Bridges To of the major focus areas in GCCS 2017. It will serve Our energy Future’. Union Minister of State for Petroleum as a platform for the exchange of ideas with global and Natural Gas, Dharmendra Pradhan visited Istanbul in think thanks and promote closer co-operation among Turkey to represent India at the 22nd World Petroleum the international community. Congress (WPC) International Conference.  The GCCS is a prestigious international conference that aims at encouraging dialogue among India not to host G20 meeting due to absence of stakeholders of cyberspace. It was incepted in 2011 mega centre in London. The absence of a world-class convention centre and the 2019 st general elections have prompted the government to give a 1 meeting of Integrated Monitoring and Advisory go-by to hosting the G20 meeting. Now Tokyo capital of Council held in New Delhi Japan will be the host country in 2019. The 13th G20 meeting The first meeting of the Integrated Monitoring and Advisory in 2018 will be held in Buenos Aires, Argentina. The 12th G20 Council (IMAC) was held in New Delhi. It was chaired by meeting in 2017 was held in Germany, Hamburg. Union Minister of State (I/C) for Petroleum and Natural Gas Dharmendra Pradhan. India to Host Global Conference on Cyber Space 2017 Arunachal to host 5th North East Connectivity  India will be hosting the 5th Global Conference on Summit Cyber Space (GCCS) in 2017, one of the world’s Arunachal Pradesh has been chosen to host the 5th North largest conference on Cyber Space and related East Connectivity Summit in 2018. The summit organised by issues” as announced by Shri Ravi Shankar Prasad, the FICCI is one of the most important forums for action Hon’ble Union Minister for Electronics & oriented deliberations on sub-regional economic integration Information Technology and Law & Justice. and connectivity between North East India and South East  This is for the first time GCCS is taking place outside Asia. Organisation for Economic Co-operation and Prime Minister inaugurates Textiles India 2017 Development (OECD) nations. It will be the fifth The Prime Minister Narendra Modi inaugurated Textiles India edition the conference. 2017, India’s first ever mega textiles trade fair at Gandhinagar,  The theme for the GCCS 2017 is ‘Cyber4All: An Gujarat. The fair has been organised by Union Ministry of Inclusive, Sustainable, Developmental, Safe and Textiles.

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Bengaluru to host international meet on social HaryanaInternational Aviation Security Seminar in Manesar, justice Haryana. The seminar was inaugurated by Minister of State A three-day Babasaheb B.R. Ambedkar international for Civil Aviation Jayant Sinha. Sudhir Pratap Singh is the conference on social justice will be held in Bengaluru from Director General of NSG July 21 to 23. The conference will unveil the ‘Bengaluru Declaration’ outlining specific constitutional, institutional First Edition of WINGS 2017 – “Sab Uden, Sab and policy responses to concerns of equity, human rights, Juden”- Expanding Regional Connectivity freedom and democracy. Hosted in New Delhi Civil Aviation Ministry on 8th July hosted the First edition First International Aviation Security seminar of WINGS 2017 – “Sab Uden, Sab Juden”- Expanding organised by National Security Guard in Haryana Regional Connectivity. The session was chaired by the Union On 6th and 7th July, 2017, National Security Guard (NSG) Minister of Civil Aviation, Shri P. Ashok Gajapathi Raju and organised First First International Aviation Security seminar the Union Minister of State for Civil AviationShri Jayant Sinha. organised by National Security Guard in  COMMITTEE & ITS FUNCTION BCCI forms Committee to oversee Lodha Panel Union HRD Ministry constituted Kasturirangan Reforms Committee for implementation of New Education The Board of Control for Cricket in India (BCCI) has Policy (NEP) constituted a special seven-member committee to analyse The Union Human Resource Ministry has appointed a nine the few contentious Lodha panel reforms which are being member expert Panel headed by former ISRO Chairman opposed by the state units. The seven-member Lodha Krishnaswamy Kasturirangan to work on New Education committee has been formed under the head of Rajeev Shukla. Policy. The Panel will have to submit its report to the HRD Ministry within 30 months period.  BOOK & AUTHOR Jairam Ramesh’s ‘Indira Gandhi: A Life in Nature’ released Marking the birth centenary of the first woman Prime Minister Indira Gandhi, a book “Indira Gandhi: A Life in Nature”, authored by former union minister Jairam Ramesh was released at a function in Mumbai. Amit Shah, Mohan Bhagwat releases coffee table book on PM Modi’s life BJP President Amit Shah and RSS Chief Mohan Bhagwat released a coffee table book on Prime Minister Narendra Modi’s life in New Delhi. The book – Making of A Legend, has been compiled by Sulabh International Founder Bindeshwar Pathak. Coffee-table book on Dalhousie hill station launched A coffee-table book on Dalhousie has released by Tripura Governor Tathagata Roy.The book ‘Dalhousi. Through My Eyes’, authored by retired civil servant Kiran Chadha. PM releases photo book titled “President Pranab Mukherjee – A Statesman” The Prime Minister, Shri Narendra Modi, has released a photo book titled “President Pranab Mukherjee – A Statesman”, at an event in Rashtrapati Bhawan. He presented the first copy of the book to the President. The book is published by The Statesman. Book ‘Future of Indian Universities: Comparative and International Perspectives’ The President of India, Shri Pranab Mukherjee received the first copy of the book ‘Future of Indian Universities: Comparative and International Perspectives’ from Nobel Laureate Professor Amartya Sen who formally released it at a function held at Rashtrapati Bhavan. The book has been complied by Professor (Dr.) C. Raj Kumar, Vice Chancellor of JGU University and is published by Oxford University Press. 

45 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 MISCELLANEOUS Preity Zinta launches emergency response service – Kavach Safety, for women (5.94%), Crude Oil production (5.22 %), Coal Actor Preity Zinta who is also a women’s right activist has production (4.38 %), Cement (2.41%), Natural Gas launched a new service for women’s safety. Launched in production (1.71 %) and Fertilizer production association with Anthony Moorhouse, ex Special Forces (1.25%). Australia, her service called the Kavach Safety is a “pro India tops global index of countries with the most victim – anti perpetrator” emergency response service that confidence in their government: Report assures safety at the press of a button. The latest edition of the OECD’s Government at a Glance 10th ‘Slum Yuva Daud’ flagged off report states that 73 per cent Indians have faith in the Sports Minister Vijay Goel and Road Transport and Highways Narendra Modi led NDA coalition, the highest in the world. Minister Nitin Gadkari flagged off the 10th Slum Yuva Daud India is followed by the Canadian government headed by at Khichripur in New Delhi. The Slum Yuva Daud is a part of Prime Minister Justin Trudeau, which has the confidence of the Adopt a Slum campaign of the Sports Ministry and Nehru 62 per cent citizens. Yuva Kendra Sangathan. Internet-based apps contributed Rs 1.4 lakh cr to Govt bans presenting flower bouquets to welcome GDP in 2015-16: Study PM Modi Internet-based applications have contributed Rs 1.4 lakh No flower bouquets should be presented to Prime Minister crore to the country’s GDP in 2015-16, a report by the think- Narendra Modi during his tours within India, according to tank organisation, ICRIER along with the Broadband India new guidelines issued by the Ministry of Home Affairs. Earlier, Forum A 17 per cent increase in India’s Internet traffic during PM Modi had asked people to gift him useful things like the period 2015-16, resulted in an absolute increase of $103.9 books and khadi handkerchiefs rather than flower bouquets billion (Rs 10,390 crore) in GDP during the year. which are put in the dustbin after few days. Indians win gold and bronze at first global robotics  Olympiad A group of seven Indian students has bagged two awards at KNOWLEDGE GARDEN the first global robotics Olympiad in the US where 157 VANIK’S countries participated. The students, who hail from Mumbai, PAYMENTS BANKS won gold for Zhang Heng Engineering Design Award and  These banks can accept a restricted deposit which is currently limited to INR 1 lakh per customer and bronze for Global Challenge Match at the international may be increased further. robotics challenge organised by FIRST Global in Washington.  These banks cannot issue loans and credit cards. Eight core sectors growth slips to 3.6% in May  Both current account and savings accounts can be operated by such banks. 2017  Payments banks can issue services like ATM cards,  The growth of eight core sectors slowed to 3.6% in debit cards, online banking and mobile banking.  They can distribute non-risk sharing simple May 2017 due to fall in output of coal and fertilisers. financial products like mutual funds and insurance It was 5.2% in May 2016. In April 2017, these eight products. sectors had recorded a growth rate of 2.8%.  Non-resident Indians (NRIs) are not be allowed to open accounts in payment banks.  In India, there are eight core sectors comprising of  The minimum capital requirement is Rs 100 crore. coal, crude oil, natural gas, refinery products,  On 23 September 2013, Nachiket Mor committee fertilisers, steel, cement and electricity. The recommended the formation of payments bank  At present, Airtel, India Post and Paytm are the only electricity has the maximum weight of 10.32% three entities that have started Payments Bank followed by Steel (6.68%), Petroleum Refinery Operations.

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DATE & OBSERVATION 30 July: World Day Against Trafficking in Persons 29 July: International Tiger Day 28 July: World Hepatitis Day VANIK’S KNOWLEDGE GARDEN 26 July: Kargil Vijay Diwas KISAN VIKAS PATRA KPV are regulated by KVP Rules 2014, Scheme is 26 July: International Day for the conservation of the available through Post Offices&those banks that are mangrove ecosystem authorized to operate PPF scheme. Denomination: Rs.1000, Rs.5000, Rs.10000 & 18 July: Nelson Mandela Day Rs.50000 17 July: World Day for International Justice Types of certificates: Category Single, Joint A- Theme of International Justice Day 2017: “Preventing conflict Type&Joint B-Type (E/S). Maturity period: 113 Month and sustaining peace through decent work” Rate of Interest: 7.6%. 15 July: World Youth Skill Day Rate of interest: Rs.1000 becomes double during the 12 July: Malala Day maturity period. 1. Nomination facility, 2. Pledge for loan facility& 3. 11 July: World Population Day pre-mature payment after 2 years & 6 months subject to Theme of World Population Day 2017 is ‘Family Planning: certain conditions, is eligible. PUBLIC PROVIDENT FUND Empowering People, Developing Nations‘ Shri J P Nadda  Deposit Amount as low as Rs.500 and maximum launches new family planning ‘Mission Parivar Vikas’ Rs.1,50,000 in one financial year. initiatives on World Population Day  Any amount deposited in excess of Rs 1.5 lacs in a financial year won't earn any interest. 7 July: Global Forgiveness Day  The current interest rate effective from 1 April 2017 4 July: American Independence Day is 7.9% (compounded annually). 2 July: World Sports Journalists’ Day  Interest will be paid on 31 March every year.  Good long term investments of 15 years. 1 July: National Doctor’s Day  The amount can be deposited in lump sum or in a The National Doctors’ Day is celebrated every year on 1st maximum of 12 installments per year. July in India to honor the legendary physician and the 2nd  Duration Of Scheme: Original duration is 15 years. Thereafter, on application by the subscriber, it can Chief Minister of West Bengal, Dr. Bidhan Chandra Roy. be extended for 1 or more blocks of 5 years each. July 1 to be observed as GST Day: CBEC ATAL PENSION YOJANA GST is going to be roll out on July 1. Central Board of Excise  Subscriber should have saving account.  Eligible age for entering into scheme - 18 to 40 and Customs (CBEC) has announced that July 1 will be known years. as ‘GST Day’ and will be celebrated in all offices of CBEC  Provides subscribers a fixed minimum pension of Bank unions to observe July 19 as ‘Save public sector banks Rs 1,000, Rs 2,000, Rs. 3,000, Rs 4,000 or Rs 5,000 per month starting at the age of 60 years. day’  Period of contribution by subscriber should be equal The United Forum of Bank Unions has decided to observe to or more than 20 years. July 19, the 48th anniversary of nationalisation of major banks,  Central government will contribute 50% of the contribution by subscriber or Rs.1000 per annum, as ‘Save public sector banks’ day. whichever is lower for 5. National Statistics Day: 29 June The National Statistics Day is observed every year on June 29 to mark the birth anniversary of renowned statistician Prof. P.C. Mahalanobis.

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CURRENT AFFAIR MCQs

D) Uttar Pradesh A) Dangal B) Sultan 8. Aegon Ilkley Challenger trophy is related C) Dishoom D) Shivaay to which sports? 16. Who has won the 2017 Formula 1 1. As per the “Handbook of Statistics on A) Football B) Cricket Azerbaijan Grand Prix? Indian States 2016-17” released by C) Tennis D) Golf A) Daniel Ricciardo RBI, which state had the highest 9. What was the gross fiscal deficits of all B) Sebastian Vettel number of offices of Scheduled the states in India in 2015-16 as per C) Lewis Hamilton Commercial Banks at the end of March RBI? D) Valtteri Bottas 2015? A) Rs 4,91,020 crore 17. What amount of loan has World Bank A) Maharashtra B) Rs 4,90,020 crore approved for Skill India Mission B) Bihar C) Rs 4,93,360 crore Operation (SIMO)? C) Uttar Pradesh D) Rs 4,94,030 crore A) USD 100 million D) Haryana 10. Who will replace Vikram Limaye as MD B) USD 150 million 2. Chhatrapati Shivaji Maharaj Krushi and CEO of IDFC Bank w.e.f July 17, C) USD 250 million Sanman Yojana is the farm loan waiver 2017? D) USD 500 million programme of which state? A) P. S. Jayakumar 18. Who will head the committee on New A) Punjab B) Sunil Kakar Education Policy (NEP) formed by B) Maharashtra C) Rakesh Sharma Human Resource Development (HRD) C) Haryana D) Jatinder Bir Singh Ministry? D) Uttar Pradesh 11. India and Portugal will launch a Joint A) Narayana Murthy 3. Which organization released the World science fund with a total outlay of? B) Krishnaswamy Kasturirangan Drug Report 2017? A) Euro 2 million C) Palash Roy Chowdhury A) WHO B) Euro 4 million D) Venkateshwar Swamy B) UNICEF C) Euro 6 million 19. Which of the following is the fastest C) UNODC D) Euro 8 million bullet train recently started in China? D) UNIDO 12. Recently Home Ministry has ruled that A) Fuxing B) Trexing 4. Recently the United States has approved Aadhaar is not a valid identification C) Spedex D) Protex the sale of how many Guardian drones document for Indians travelling to 20. “Trump Sulabh Village” has come up in to India? which two countries? which state of India? A) 19 B) 21 A) Nepal and Pakistan A) Punjab C) 25 D) 22 B) Nepal and Bhutan B) Haryana 5. Which state will launch the ‘My Plant’ C) Bhutan and Myanmar C) Uttarakhand mobile app on tree plantation? D) Bhutan and Sri Lanka D) Gujarat A) Haryana 13. Venkaiah Naidu inagurated the ‘Homes 21. Who has been appointed as the B) Maharashtra For All’ property show was organized President of India International Centre C) Uttar Pradesh in which city? (IIC)? D) Telangana A) Jaipur A) AK Jha 6. Which ministry has launched the ‘City B) Hyderabad B) SK Sinha Liveability Index’? C) Ahmedabad C) NN Vohra A) Ministry of Urban Development D) Mumbai D) SS Mishra B) Ministry of Health and Family 14. Which firm has launched ‘Safe India’ 22. Which state has become the first state Welfare campaign to drive responsible usage of to exhaust rural BPO quota? C) Ministry of Rural Development mobile phones? A) Telangana D) Ministry of Housing and Urban A) Microsoft B) Haryana Poverty Alleviation B) Samsung C) Andhra Pradesh 7. Kanyashree Prakalpa (Girl Child) scheme C) Facebook D) Punjab is of which state? D) Wipro 23. Recently Srinivas Gokulnath became the A) Haryana 15. Which movie has won the Best Action first Indian to complete the 4,900-km B) West Bengal Movie at Shanghai International Film Race Across America (RAAM). C) Punjab Fest? RAAM is a ______

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A) sprint race 32. India’s third largest non-life insurance A) Aishwarya Rai Bachchan B) cycle race provider, HDFC ERGO has joined B) Anushka Sharma C) bike race hands with which of the following to C) Vidya Balan D) car race offer its general insurance products to D) Deepika Padukone 24. Yashaswini Deswal is related to which customers through later’s branches in 40. According to a report “Demystifying sports? the country? the Indian Online Traveller”, India’s A) Tennis A) Equitas Small Finance Bank domestic travel market is expected to B) Shooting B) Airtel Payments Bank reach _____ by 2020. C) Boxing C) Paytm Payments Bank A)$56 billion D) Badminton D) Utkarsh Small Finance Bank B) $42 billion 25. Which of the following banks has given 33. With which if teh following country has C) $53 billion IBRD Credit of USD 35 Million for India signed MoU on water D) $48 billion “Assam State Public Financial conservation? 41. The Reserve Bank of India for the very Institutional Reforms Project”? A) Netherlands first time is going to issue which A) Asian Development Bank B) Israel denomination notes whose printing has B) Asian Infrastructure Investment C) USA been started recently? Bank D) China A) Rs 200 B) Rs 1500 C) World Bank 34. Centre has launched OALP to make C) Rs 800 D) Rs 1200 D) International Monetary Fund India’s oil and gas companies to be able 42. Which bank has recently concluded 26. Name the inventor of ATM (automated to select exploration blocks on their largest asset resolution of Jaiprakash teller machine)? own, without waiting for a formal bid Associates and Jaypee Cement by A) Donald C. Wetzel round from the government. What is P selling it to UltraTech Cement? B) John Shepherd-Barron in OALP? A) State Bank of India C) Wilfred Barron A) Policy B) Privacy B) Bank of Baroda D) Macon D. White C) Peoples D) Pivot C) ICICI Bank 27. When was the financial year from 1 April 35. What is the rank of India in recently D) Axis Bank to 31 March which is currently in vogue launched Social Progress Index 2017? 43. To prepare micro, small and medium nationally adopted in India A) 86 B) 67 enterprises (MSMEs) for migration to A) 1864 B) 1867 C) 93 D) 81 the new goods and service tax (GST) C) 1876 D) 1881 36. To launch a ‘voter registration reminder’ system, which bank has launched a 28. SAP India has signed an MoU with on July 1, the Election Commission of tailor-made programme? Ministry of Micro, Small and Medium India has tied up with which of the A) ICICI Bank Enterprises to launch which following? B) Yes Bank programme? A) Facebook C) Axis Bank A) Bharat ERP B) Instagram D) Federal Bank B) Bharat SAP C) Google 44. For State Government officials, a new C) Bharat MSME D) Twitter training programme called COMMIT D) Bharat KTP 37. Name the head of committee constituted has been launched. O in COMMIT 29. Who has been named as the new by the Board of Control for Cricket in stands for? International Economic Association India (BCCI) to analyse Lodha Panel A) Oriented president? Reforms? B) Organization A) Meira Kumar A) Sachin Yadav C) Objective B) Devendra Rana B) Rajiv Shukla D) Online C) Kaushik Basu C) Kaushik Basu 45. How much amount has been contributed D) Rakesh Verma D) Radha Kumar by India to the UN tax fund for 30. Which company has acquired 38. Which ransomware has recently hit the international cooperation in tax SensoMotoric Instruments, a German nation’s largest container port matters? computer vision company specialising Jawaharlal Nehru Port (JNPT) among A) $100T B) $100M in augmented reality (AR) and eye other local manufacturing units of C) $100K D) $100B tracking? global companies? 46. Which country has topped the list as A) Apple B) Google A) Wanna Cry the top supplier in the health sector to C) Microsoft D) Nokia B) Nyetya the UN system in 2016? 31. Recently who has been designated as C) Petya A) China B) The USA the global terrorist by the US? D) Khetya C) India D) UK A) Sirajuddin Haqqani 39. Which bollywood actress has been 47. Recently, a rocket called Ariane-5 B) Ahmed Abdi Godane named as the ambassador of Indian launched India’s communication C) Syed Salahuddin Film Festival of Melbourne? satellite GSAT-17. The rocket belongs D) Nasir Wuhayshi to which country?

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A) China B) France A) Himachal Pradesh 64. Who has been appointed as the new C) Russia D) India B) Rajasthan Director General of the Indo-Tibetan 48. When is National Statistics Day C) Gujarat Border Police (ITBP)? observed annually? D) Haryana A) P.B. Sharma A) 29 June B) 30 June 57. Who has replaced Mukul Rohatgi as the B) R.K. Pachnanda C) 28 June D) 27 June new Attorney General of India? C) K.K. Venugopal 49. Who has released the Financial Stability A) P.B. Sharma D) TS Vineeth Bhatt Report 2017? B) Padmesh Gupta 65. For the year starting July 1, the UN A) Finance Ministry C) K.K. Venugopal General Assembly (UNGA) has kept B) Reserve Bank of India D) TS Vineeth Bhatt its peacekeeping budget at? C) NITI Aayog 58. Being proposed after how many years A) $570 million D) National Payment Corporation of is the GST (Goods and Services Tax) B) $590 million India (NPCI) regime launched in the country? C) $7.3 billion 50. As per the new directive by the Reserve A) 16 B) 17 D) $7.5 billion Bank of India, which of the following C) 19 D) 15 66. Recently which state has become the can facilitate withdrawals and transfers 59. Which of the following special web page 20th state in country to ban begging? by the customer from his/her account for the Goods and Services Tax been A) Jharkhand with the other bank of which it is the launched by the Press Information B) Haryana Banking Correspondent? Bureau for all information on the new C) Uttarakhand A) Small Finance Banks tax regime? D) Uttar Pradesh B) Post Offices A) http://pib.com/gst 67. Out of Rs. 23,000 crore that has to be C) Payments Bank B) http://pib.in/gst disbursed to the State farmers by the D) Cooperative Banks C) http://pib.nic.com/gst RBI, what amount will disburse in July 51. According to Financial Stability Report D) http://pib.nic.in/gst 2017? 2017 released by the Reserve Bank of 60. During the special drive by the Election A) Rs. 1500 crore India what is the expected GVA growth Commission of India (ECI) for B) Rs. 1900 crore rate of India in 2017-18? maximization of registration of eligible C) Rs. 1800 crore A) 7.3% B) 7.6% electors from July 1 to July 31, which D) Rs. 1700 crore C) 7.4% D) 7.7% form is to be submitted for enrolment 68. From 31 July 2017, which bank will 52. For the upcoming July-September of new electors? block all its Maestro debit cards? quarter, interest rate on small saving A) Form 15G A) State bank of India schemes has been reduced by how B) Form 6 B) Punjab National Bank much percent? C) Form 8 C) Canara Bank A) 0.1 B) 0.15 D) Form 15H D) Bank of Maharashtra C) 0.2 D) 0.25 61. For launching National Biopharma 69. Who has won the Eastbourne 53. Which section of the Income Tax Act, Mission aimed at accelerating International Tennis title? 1961 says that the every person who biopharmaceutical development in the A) Novak Djokovic has an Aadhaar number and a PAN is country, which of the following B) Roger Federer required to link the two “on or before a programme is being launched? C) Marin Cilic date to be notified by the Central A) Innovate India D) Gael Monfils Government”? B) Innovative India 70. What is the deadline for replacing existing A) 138BB B) 139BB C) Innovation in India magnetic stripe only cards with EMV C) 138AA D) 139AA D) Innovate in India chip and pin based cards? 54. What is the interest rate for 5-year Senior 62. Which state of India hosted the India’s A) December 31, 2018 Citizens Savings Scheme for July- first mega textiles trade fair, Textiles B) December 31, 2017 September quarter? India 2017 from June 30-July 2, 2017? C) July 31, 2017 A) 8.1% B) 8.5% A) Gujarat B) Rajasthan D) March 31, 2018 C) 8.4% D) 8.3% C) Delhi D) Assam 71. PM Narendra Modi is going to adopt 55. New GDP Base Year has been pegged to 63. Which of the following states has which of the following villages of _____ from current 2011-2012 by the launched MSME Development Varanasi under the Sansad Adarsh Gram government Corporation with a corpus fund of Rs Yojana as his third village? A) 2018-19 100 crore? A) Jayapur B) Nagepur B) 2017-18 A) Arunachal Pradesh C) Kakrahia D) Anantpur C) 2016-17 B) Assam 72. In which state is a digital ride sharing D) 2015-16 C) Andhra Pradesh app, “G-Ride” launched that will match 56. Where has the Prime Minister, Shri D) Rajasthan co-workers and neighbours and help Narendra Modi inaugurated the filling them travel together to work? of Aji Dam under Sauni Yojana?

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A) Maharashtra 80. The Reserve Bank of India (RBI) has Stations have been launched by the Coal B) Tamil Nadu raised the foreign portfolio investment and Power Ministry. What is I in C) Kerala (FPI) limit in government securities by MERIT? D) Andhra Pradesh 4.7% to Rs _____ billion for July- A) Information 73. Name the first state in the country to September quarter. B) Income implement an integrated Core Banking A) 2.54 B) 2.62 C) Instruction Solution Project covering all three tiers C) 2.34 D) 2.42 D) Identity of short term cooperative credit 81. Which of the following banks has 89. Under the Ujwal DISCOM Assurance structure. terminated its joint venture agreement Yojana, how much of the total A) Odisha with Canada-based investment firm outstanding debt of all state power B) Maharashtra Fairfax Financial Holdings? distribution companies has been C) Kerala A) Axis Bank covered as announced by the Union D) Telangana B) ICICI Bank Ministry of Power? 74. Name the state which has set record C) Yes Bank A) 97% B) 98% with plantation of 6 cr saplings in a D) IDFC Bank C) 96% D) 95% day under a campaign to save the 82. Which country has topped the list in 90. Which of the following days will be environment and conservation of the terms of money parked by its citizens observed as ‘Save public sector banks Narmada river. with Swiss banks? day’ by teh bank unions? A) Himachal Pradesh A) China B) India A) July 16 B) July 19 B) Assam C) UK D) Hong Kong C) July 21 D) July 17 C) Haryana 83. Name the NGO that has been awarded 91. What rank has been given to The Energy D) Madhya Pradesh the United Nations Development Resources Institute (TERI) by the the 75. Where is ‘The Arena’, one of the most Programme’s Equator Prize for International Center for Climate advanced integrated multi-purpose devising an ecologically sustainable Governance in terms of best climate stadiums, inaugurated by Prime agriculture model to combat the adverse think tanks in the world? Minster Narendra Modi? impacts of drought. A) 1st B) 4th A) Varanasi A) Swayam Shikshan Prayog C) 2nd D) 3rd B) Surat B) Swadhar IDWC 92. Which of the following is not a country C) Ahmedabad C) SevaSahayog that is being listed along with India in D) Lucknow D) Swades Foundation the list (by journal Environmental 76. Where will the country’s biggest global 84. What is the currency of Ivory Coast? Research Letters) of countries that skill park be set up whose foundation A) Peso account for the most cropland in the stone has been laid recently? B) Dollar world irrigated by dirty wastewater? A) Bhopal C) CFA franc A) China B) Karnal D) Pound B) Mexico C) Ahmedabad 85. Name the central bank of Switzerland? C) Pakistan D) Varanasi A) National Swiss Bank D) Bangladesh 77. Where is the joint military training B) State Bank of Switzerland 93. Who has been appointed as the Director exercise “Maitree 2017” between India C) Reserve Bank of Switzerland General (DG) of National Disaster and Thailand taking place? D) Swiss National Bank Response Force (NDRF)? A) Himachal Pradesh 86. Which of the following state A) Sanjay Kumar B) Andhra Pradesh governments has launched ‘Elevate 100’ B) Vikas Mishra C) Arunachal Pradesh scheme to identify and nurture 100 C) Vijay Kumar D) Uttar Pradesh most innovative start-ups in the state? D) Sanjay Mishra 78. Fino Paytech has launched has started A) Madhya Pradesh 94. During 2017-18, construction of how its operations as B) Maharashtra much target has been kept by the union A) Payments Bank C) Karnataka government under Pradhan Mantri B) Small Finance Bank D) Telangana Gram Sadak Yojana (PMGSY)? C) Universal Bank 87. Which state government has decided to A) 57,000 km D) Cooperative Bank extend state’s forest cover to 33 % in B) 58,000 km 79. From 2018, which state is going to have next five years recently in July? C) 56,000 km a separate agriculture budget to A) Madhya Pradesh D) 59,000 km substantially enhance funds for the B) Maharashtra 95. Trilateral Malabar Naval Exercise 2017 agriculture sector? C) Karnataka is an exercise among the navies of India, A) Madhya Pradesh D) Telangana US and which country? B) Maharashtra 88. MERIT app and e-Bidding portal for A) China B) Russia C) Uttar Pradesh utilization of domestic coal in IPP C) Japan D) Indonesia D) Telangana (Independent Power Producers) Power

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96. According to a report by BMI Research, 104. The government has decided to set up A) Andhra Pradesh what will be the GDP growth of India ‘Garib Nawaz’ skill development B) Himachal Pradesh in 2017-18? centres in how many districts in the C) Arunachal Pradesh A) 6.9% B) 7.2% country? D) Madhya Pradesh C) 6.8% D) 7.3% A) 150 B) 200 112. Which of the followings states has 97. In which of the following Biosphere C) 100 D) 250 topped the list of states in issuance of Reserves, a rare ‘White Tiger’ has been 105. What rank has India got in a list of soil health cards? spotted by a man? largest investors into UK? A) Chhattisgarh A) Nanda Devi Biosphere Reserve A) 5th B) 3rd B) Jharkhand B) Sundarbans Biosphere Reserve C) 4th D) 6th C) Madhya Pradesh C) Nilgiri Biosphere Reserve 106. Which of the following countries has D) Maharashtra D) Pachmarhi Biosphere Reserve topped the lest of nations in 113. By 2018, where will the India’s first 98. Where did the 10th Session of the India- cybersecurity index released by the UN university only for Dalit students come Jordan Trade and Economic Joint telecommunications agency up? Committee (TEJC) held? International Telecommunication A) Bhubaneshwar A) Varanasi Union (ITU)? B) Hyderabad B) Guwahati A) Hong Kong C) Mumbai C) Agra B) Mauritius D) Pune D) New Delhi C) Singapore 114. Over which river India and Bangladesh 99. The world’s most detailed scan of the D) Germany have decided to construct bridge in to brain’s internal wiring has been 107. Where in India has Siemens, the largest facilitate trade and increase produced by scientists of? industrial manufacturing company in communication? A) Brazil B) Russia Europe opened its first digital factory A) Tuichawng River C) UK D) USA in India? B) Karnaphuli River 100. Which of the following has approved A) Hyderabad C) Khawthlangtuipui River $329 million loan to build access roads B) Bengaluru D) Chhimtuipui River to 4,000 villages in Gujarat? C) New Delhi 115. How many countries have adopted A) European Investment Bank D) Mumbai historic global treaty to ban Nuclear B) World Bank 108. 9th BRICS Summit is scheduled in in Weapons? C) Asian Infrastructure Investment Xiamen, China in September this year. A) 122 B) 134 Bank Where did an informal meeting as a run C) 118 D) 128 D) Asian Development Bank up to the 9th BRICS Summit held 116. Name the Indian who has become 101. Recently India has declared itself free recently? world’s youngest woman commanders from which of the following? A) Hamburg, Germany to fly a Boeing 777 airplane ever. A) Ebola B) Moscow, Russia A) Captain Manisha Kumar B) Measles C) Singapore B) Captain Divya Kumar C) Avian Influenza D) Kathmandu, Nepal C) Captain Isha Kumar D) Tuberculosis 109. Which mobile app is launched by the D) Captain Lavanya Kumar 102. Which of the following state government Central Board of Excise and Customs 117. For the Republic Day parade and has signed an Expression of Intent (CBEC) to assist users find accurate celebrations in 2018, India is set to (EOI) with the International rates under the new tax regime? invite the leaders of the member Association of Athletics Federations A) GSt Regime countries of which group? (IAAF) and Athletics Federation of B) GST Rates app A) South Asian Association for India (AFI) to establish a High C) GST Finder app Regional Cooperation (SAARC) Performance Academy in the state? D) GST Rates Finder B) BRICS Association A) Madhya Pradesh 110. How much amount has been allotted C) Association of Southeast Asian B) Odisha by the centre to Goa under Swadesh Nations (ASEAN) C) Karnataka Darshan scheme? D) G-20 major economies D) Tamil Nadu A) Rs 150 crore 118. Where did the first edition of WINGS 103. Where did the 4th National Summit on B) Rs 200 crore 2017 – “Sab Uden, Sab Juden”- Good, Replicable Practices and C) Rs 100 crore Expanding Regional Connectivity held? Innovations in Public Health Care D) Rs 250 crore A) New Delhi Systems held, as hosted by the Health 111. Which of the followings state B) Bengaluru Ministry? governments is going to launch ‘Green C) Chennai A) Indore, Madhya Pradesh Spiti’ mission to increase forest cover D) Hyderabad B) Mumbai, Maharashtra to overcome water shortage in Spiti 119. Which of the following has become C) Ranchi, Jharkhand Valley. India’s first World Heritage City as D) Bhubaneswar, Odisha

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announced by the UNESCO’s World micro, small and medium enterprises C) India Heritage Committee? (MSMEs) to get GST ready? D) UK A) Mumbai A) Ericson B) TCS 134. Name the second state to launch e-RTI B) Delhi C) IBM D) Dell EMC portal to enable citizens to file online C) Ahmedabad 127. India is going to be a part of Global Right to Information (RTI). D) Jaipur Foreign Exchange Committee (GFXC). A) Maharashtra 120. Where has the Cloud major Oracle The committee was formed under the B) Odisha opened its first ‘Digital Hub’ in India guidance of C) Delhi to provide small and midsize A) World Bank D) Uttar Pradesh businesses (SMBs) access to the Cloud B) Bank for International Settlements 135. Name the head of bench which has solutions? C) International Monetary Fund directed all state governments to A) Mumbai D) United Nations prohibit the “manufacture, sale, B) Chennai 128. Sashastra Seema Bal in collaboration storage, purchase and use” of synthetic C) Goa with which state has began skill manja? D) Bengaluru development programme and has A) Justice CS Karnan 121. Which country will host 22nd World become the first Central Armed Police B) Justice Swatanter Kumar Petroleum Congress (WPC) Forces (CAPF) to do so in C) Justice Markandey Katju International Conference from July 10- collaboration with a state? D) Justice AK Ganguly 12? A) Uttar Pradesh 136. Which of the following has launched a A) Spain B) Madhya Pradesh programme called Antara to offer B) China C) Chhattisgarh women an injection of C) Turkey D) Bihar Medroxyprogesterone acetate (MPA), D) Portugal 129. The World Bank Group is going to create a birth-control hormone? 122. Which country will host the climate a nearly _____ billion innovative new A) Karnataka summit in December 2017 to make facility that aims to advance women’s B) Chhattisgarh further progress on the 2015 Paris entrepreneurship. C) Delhi climate agreement? A) $1.5 D) Maharashtra A) USA B) $2 137. Smartron, a global technology OEM B) India C) $1 and IoT brand has signed an MoU with C) China D) $2.5 which state government to invest in D) France 130. Gifts given by the employer to the multiple areas of opportunities in the 123. Who has won Sportsperson of the Year employee worth above how much value state? award at the ‘Maruti Suzuki will come under the ambit of Goods A) West Bengal Sportsperson of the Year’ Charity Gala and Services Tax (GST)? B) Madhya Pradesh Awards? A) Rs 1 lakh C) Chhattisgarh A) PV Sindhu B) Rs 1,50,000 D) Odisha B) Saina Nehwal C) Rs 50,000 138. In which of the following countries is C) Deep Malik D) Rs 80,000 the World’s 1st Saola breeding centre D) Sania Mirza 131. Which country has topped the medal being constructed? 124. Who has been appointed Director tally in the 22nd edition of Asian A) Spain General of Goods and Services Tax Athletics Championships held in B) Polland Intelligence (DG GSTI)? Bhubaneshwar, Odisha? C) Vietnam A) Sanjiv Chaturvedi A) China D) Italy B) Donald Ross B) Iran 139. Which of the following banks has C) John Joseph C) India collaborated with Inter- American D) Sharad Kumar D) Kazakhstan Investment Corporation which will 125. Name the e-initiative launched by the 132. Who has won the Austrian Grand Prix? help traders boost relations between central government for the Income tax A) Sebastian Vettel India and Latin America and the Department to directly communicate B) Nico Rosberg Caribbean? with the taxpayers? C) Felipe Massa A) State Bank of India A) Aakar Setu D) Valtteri Bottas B) Axis Bank B) Aaykar Online 133. According to OECD-FAO Agricultural C) ICICI Bank C) Aaykar Setu Outlook 2017-2026 report by the UN D) Punjab National Bank D) Aakar Online and OECD, which country will 140. According to the union government, it 126. With which of the following has become the largest milk producer in has saved around how much amount in enterprise solutions provider SAP 2026? 2016-17 through Direct Benefit launched ‘GST in a Box’ solution for A) Australia Transfer (DBT)? B) China A) Rs 54,000 crore

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B) Rs 56,000 crore D) January 1, 2018 Railways Minister Suresh Prabhu will C) Rs 58,000 crore 148. The retirement age of specialist medical run from Sarai Rohilla in Delhi to D) Rs 57,000 crore officers of central armed police forces Farukh Nagar in ______141. India has signed Memorandum of has been enhanced from 60 years to A) Rajasthan Understanding (MoU) with which ______. B) Haryana country on cyber security cooperation? A) 62 years C) Uttar Pradesh A) Palestine B) 63 years D) Uttarakhand B) Germany C) 64 years 156. Uttar Pradesh government has signed C) Bangladesh D) 65 years an MoU with the Centre for the D) UK 149. Which of the following state not been construction of AIIMS at ______. 142. India has signed Memorandum of exempted by Supreme Court regarding A) Varanasi Understanding (MoU) with which the sale of liquor within 500 metres of B) Lucknow country on cooperation in the field of National and State Highways? C) Gorakhpur information technology and electronics A) Sikkim D) Meerut (IT&E)? B) Meghalaya 157. What is the rank of India on sustainable A) Palestine C) Tripura development goal (SDG) index B) Germany D) Arunachal Pradesh according to the SDG Index and C) Bangladesh 150. Technology and Innovation Support Dashboards Report? D) UK Center (TISC) Program is an initiative A) 106 143. Where has the union government if which organization? B) 116 approved for setting up of A) World Bank C) 126 International Rice Research Institute B) World Intellectual Property D) 136 (IRRI), South Asia Regional Center Organization (WIPO) 158. Name the first state in the country to (ISARC)? C) UNESCO bring a law making social boycott a A) Lucknow D) Union of International crime. B) Ahmedabad Associations A) Maharashtra C) Ranchi 151. Which state has launched Life B) Karnataka D) Varanasi programme as per which Self-Help C) Uttar Pradesh 144. Where has president Pranab Mukherjee Groups will be motivated to act like a D) West Bengal annexe inaugurated ‘Ashiana Annexe’ bank and help each other? 159. Which country has topped the charts which provided accommodation A) Sikkim of sustainable development goal (SDG) facilities for accompanying officers and B) Meghalaya index according to the SDG Index and staff of the Rashtrapati Bhavan? C) Tripura Dashboards Report? A) Patna D) Arunachal Pradesh A) Sweden B) Gurgaon 152. India’s first high-speed rail training B) Denmark C) Dehradun centre will come up in which state? C) Finland D) Varanasi A) Maharashtra D) Portugal 145. India has advanced its target of B) New Delhi 160. Which of the following bank has ties eliminating malaria in the country from C) Gujarat up with OPIC and Wells Fargo Bank 2030 to ____ D) Andhra Pradesh tie-up to support women A) 2027 153. Which state government has decided entrepreneurs and increase lending to B) 2028 to give free medical insurance cover of small and medium enterprises (SMEs) C) 2025 up to Rs10 lakh to all sitting and former in India? D) 2026 legislators and their families. A) HDFC Bank 146. Name the virtual server launched by A) New Delhi B) ICICI Bank Indian Railways with an inbuilt B) Maharashtra C) Axis Bank security system to optimise server C) Andhra Pradesh D) Yes Bank usage and faster connectivity. D) Telangana 161. What name has been given to the A) RailCloud 154. Which state government has decided supercluster of galaxies discovered by B) CloudFare to merge all the branches of the district a group of Indian astronomers? C) BladeServer central cooperative banks (DCCBs) A) Laxmi D) RailWire with the state cooperative banks? B) Divya 147. What is the deadline set by government A) Uttar Pradesh C) Saraswati of India for mobile phones to install B) Punjab D) Bharti Global Positioning System (GPS)? C) Chhattisgarh 162. For making management education A) February 1, 2018 D) Bihar accessible to all through Massive Open B) Februray 1, 2018 155. Country’s first solar powered DEMU Online Courses (MOOCs), which of C) April 1, 2018 train dedicated to the nation by the following Indian Institutes of

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Management has been awarded by 169. Who has won the Wimbledon tile 2017 177. By 2019, what is the target number of president, Pranab Mukherjee? in Women’s single category? adding new LPG connections under A) IIM Ahmedabad A) Venus Williams Pradhan Mantri Ujjwala Yojana B) IIM Bangalore B) Serena Williams (PMUY)? C) IIM Calcutta C) Garbine Muguruza A) 10 Crore D) IIM Lucknow D) Petra Kvitová B) 5 Crore 163. Which mobile app has been launched 170. Who has been appointed as the C) 2 Crore by Railways to cater to various managing director and chief executive D) 4 Crore passenger requirements, including officer of Oriental Bank of Commerce? 178. Former Chief Minister of ______, Nar ticket booking, inquiry, on-board A) Kishore Sansi Bahadur Bhandari has passed away. cleaning and ordering meal on a single B) Mukesh Kumar Jain A) Tripura platform? C) Jatinder Bir Singh B) Sikkim A) Rail SAARTHI D) Ashwani Kumar C) Arunachal Pradesh B) Rail YATRI 171. Which of the following railway stations D) Assam C) IndianRail has become the first station in India to 179. Because of the absence of a world-class D) None of these be run by an all-women staff? convention centre in which country, it 164. What is the deadline for traders to get A) Prabhadevi will not be able to host G20 meeting in registered under the Goods and Services B) Ghansoli year 2019? Tax (GST) regime? C) Matunga A) Japan A) August 31, 2017 D) Dolavli B) Germany B) December 31, 2017 172. Which of the following has topped the C) India C) September 30, 2017 list of most influential brands in India D) Singapore D) July 30, 2017 according to research firm Ipsos? 180. Which of the following automobile 165. How much Goods And Services Tax A) State Bank of India company has rolled out the country’s (GST) is applicable on buying and B) Facebook first bio-CNG (bio-methane) bus? selling of second-hand goods if sold at C) Reliance Jio A) Hero Motocorp a price cheaper than the purchase price? D) Google B) Tata Motors A) 5% 173. Under which of the following yojanas, C) Bajaj Auto B) 7% people would be trained under GST D)Mahindra & Mahindra C) 6% training programme launched by the 181. With which country has India signed D) No GST government? MoU to develop a village in later’s 166. Which state has topped the rooftop A) PMMY Anuradhapura District? capacity addition table in 2016-17, B) PMJDY A) Nepal according to a report by Bridge to India, C) PMKVY B) Bangladesh a global renewable energy consulting D) PMTPY C) Sri Lanka firm? 174. Which of the following country has D) Myanmar A) Kerala topped the global index of countries 182. Who has wons Formula One British B) Madhya Pradesh with the most confidence in their Grand Prix 2017? C) Tamil Nadu government? A) Max Verstappen D) Telangana A) Canada B) Kimi Raikkonen 167. According to a report by the think- B) China C) Valtteri Bottas tank organisation, ICRIER, internet- C) Russia D) Lewis Hamilton based applications have contributed D) India 183. Oscar-winning ______actor Martin how much to the country’s GDP in 175. Name the Indian who has won Victorian Landau has passed away. 2015-16? Open squash tournament held in A) British A) Rs 1.5 lakh crore Australia? B) American B) Rs 1.6 lakh crore A) Siddharth Suchde C) Italian C) Rs 1.2 lakh crore B) Saurav Ghosal D) Swedish D) Rs 1.4 lakh crore C) Harinder Pal Sandhu 184. When is World Day for International 168. Name the para-athlete who has won a D) Harpreet Singh Justice observed? gold at the World Para Athletics 176. Which film has won the best film award A) July 17 Championships 2017. in the 18th edition of the International B) July 18 A) Sundar Singh Gurjar Indian Film Academy Awards 2017? C) July 16 B) Devendra Jhajharia A) Udta Punjab D) July 19 C) Amit Kumar Saroha B) Pink 185. Who is the CEO of MobiKwik that D) Varun Bhati C) MS Dhoni: The Untold Story provides a mobile phone based D) Neerja payment system and digital wallet?

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A) Megha Tank A) France ANSWER KEYS B) Upasana Taku B) Italy C) Gagan Deep Singh C) Sweden 1. C 2. B 3. C 4. D D) Bipin Preet Singh D) Portugal 5. B 6. A 7. B 8. C 186. Who has been given the additional 194. Which of the following apps has been 9. C 10. B 11. B 12. B charge of Information and Broadcasting launched by UIDAI (Unique 13. C 14. B 15. B 16. A Ministry? Identification Authority of India) for 17. C 18. B 19. A 20. B A) Narendra Singh Tomar syncing Aadhaar data on the mobile 21. C 22. C 23. B 24. B B) Smriti Irani phone? 25. C 26. B 27. B 28. A C) Raj Nath Singh A) eAadhaar 29. C 30. A 31. C 32. D D) Jagat Prakash Nadda B) itAadhaar 33. B 34. A 35. C 36. A 187. Who has been given the additional C) urAadhaar 37. B 38. C 39. C 40. D charge of Urban Development D) mAadhaar 41. A 42. C 43. B 44. D Ministry? 195. Which of the following countries has 45. C 46. C 47. B 48. A A) Narendra Singh Tomar launched in Indian UT Chandigarh to B) Smriti Irani promote tourism in the country? 49. B 50. C 51. A 52. A C) Raj Nath Singh A) Malaysia 53. D 54. D 55. B 56. C D) Jagat Prakash Nadda B) South Korea 57. C 58. B 59. B 60. B 188. Where is a colourful bird-like dinosaur C) Vietnam 61. D 62. A 63. C 64. B that is almost as big as a man identified D) Canada 65. C 66. C 67. D 68. B by the scientists? 196. Which of the following countries has 69. A 70. A 71. C 72. C A) Malaysia successfully tested world’s first-ever 73. A 74. D 75. C 76. A B) Philippines active laser weapons system? 77. A 78. A 79. D 80. D C) Vietnam A) China 81. D 82. C 83. A 84. C D) Canada B) Russia 85. C 86. C 87. B 88. B 189. Which of the following airlines has been C) Japan 89. A 90. B 91. C 92. D rated the world’s best airline in a survey D) USA 93. A 94. A 95. C 96. A by the Travel and Leisure magazine? 197. Where is one of world’s rarest animal 97. C 98. D 99. C 100. C A) Singapore Airlines species, a northern hairy-nosed 101. C 102. B 103. A 104. C B) Emirates Airways wombat has taken birth for the first 105. C 106. C 107. D 108. A C) Qatar Airways time in five years? D) Japan Airlines A) Canada 109. D 110. C 111. B 112. A 190. According to India Ratings and B) Australia 113. B 114. C 115. A 116. B Research, how much additional C) Denmark 117. C 118. A 119. C 120. D provisioning is required by the Indian D) Netherlands 121. C 122. D 123. A 124. C Banks for bankruptcy cases? 198. Which of the following Rajya Sabha 125. C 126. D 127. B 128. A A) 190 billion rupees Members has resigned from Rajya 129. C 130. C 131. C 132. D B) 130 billion rupees Sabha? 133. C 134. C 135. B 136. D C) 180 billion rupees A) Sachin Tendulkar 137. C 138. C 139. B 140. D D) 160 billion rupees B) Sharad Pawar 141. C 142. A 143. D 144. C 191. Which of the following states will host C) Mayawati 145. A 146. A 147. D 148. D Horasis Asia Meeting, a global business D) Jaya Bachchan 149. C 150. B 151. B 152. C meet in November 2017? 199. Where did the first global robotics 153. B 154. C 155. B 156. C A) Karnataka Olympiad held? 157. B 158. A 159. A 160. D B) West Bengal A) USA 161. C 162. B 163. A 164. D C) Madhya Pradesh B) India 165. D 166. C 167. D 168. A D) Assam C) Russia 192. Which country will host the 2022 World D) Japan 169. C 170. B 171. C 172. D Short Course Swimming 200. ______and TATA classedge partnered 173. C 174. D 175. C 176. D Championships? with first global to mentor 7 Indian 177. A 178. B 179. C 180. B A) Hungary students participating in first global 181. C 182. D 183. B 184. A B) Russia robotics olympiad at Washington, DC. 185. D 186. B 187. A 188. D C) UAE A) Federal Bank 189. A 190. C 191. B 192. B D) China B) ICICI Bank 193. B 194. D 195. B 196. D 193. Football legend Francesco Totti who C) Yes Bank 197. B 198. C 199. A 200. C announced his retirement recently D) Axis Bank belongs to which country? 

56 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 G.K. QUESTION for SSC/RAILWAY

1. Who found the Banaras Hindu (a) Huxley 16. Temporary tax levied to obtain additional University? (b) Darwin revenue is called (a) Mahatma Gandhi (c) Lamarck (a) Cess (b) Madan Mohan Malviya (d) Hugo De Vries (b) Rate (c) Pandit Nehru 9. Which is a living fossil? (c) Fee (d) None of these (a) Blue green algae (d) Surcharge 2. Mahatma Gandhi returned to India (b) Fungus 17. Monetary policy is regulated by leaving South Africa for ever in (c) Green algae (a) Money lenders (a) 1914 (d) Ginkgo (b) Central Bank (b) 1915 10. Higher plants take up nitrogen as (c) Private entrepreneurs (c) 1916 (a) Nitrates only (d) Government policy (d) 1919 (b) Nitrites only 18. The term that best described the space 3. The third sangam was held at (c) Nitratesand ammonia of the earth is (a) Arikkamedu (d) Urea (a) Ellipse (b) Ernakulam 11. Which is not gland? (b) Geoid (c) Madurai (a) Stomach (c) Globe (d) Tuticorin (b) Liver (d) Sphere 4. Convex lenses are used for the correction (c) Kidney 19. The maximum number of workers are of (d) Pancreas employed in what industry in India? (a) Astigmatism 12. Which instruments can a sailor in a (a) Sugar (b) Short sightedness submarine see the objects on the surface (b) Textile (c) Long sightedness of sea? (c) Jute (d) None of these (a) Periscope (d) Iron and Steel 5. Moon has no atmosphere because (b) Telescope 20. In which state females out number males? (a) It is quite for off (c) Gyroscope (a) Bihar (b) It doesn’t have any living being (d) Stereoscope (b) Uttar Pradesh (c) It is surface is not smooth 13. ‘Social security and social insurance’ is (c) Kerala (d) Root mean square velocity of all a subject include in the (d) Tamil Nadu gasses is more than their escape (a) Concurrent list 21. January 15 is celebrate as the velocity on moon’s surface (b) Residurecy power (a) Army Day 6. Which substance has the lowest specific (c) State list (b) Non-violence Day gravity? (d) Union list (c) Literacy Day (a) Iron 14. Separation of judiciary form the (d) Children’s Day (b) Gold executive is enjoyed by 22. The oldest democracy system of the (c) Marble (a) Preamble world is in (d) Brass (b) Directive principle (a) U.S.A 7. In the medical system of treatment to (c) Seventh schedule (b) Britain relieve pains, called acupuncture. (d) Judicial decision (c) France (a) Herbs are used 15. Function of the UPSC are mentioned (d) India (b) Drugs are used under Article? 23. The first satellite to be sent into space (c) Electric shocks are applied (a) 325 was? (d) Fine needless are pricked in the (b) 320 (a) Pioneer body (c) 322 (b) Lunai 8. Who proposed the mutation theory of (d) 324 (c) Sputanik evolution? (d) Apollo II 57 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

24. Mallika Sarabhai is associated with 34. Azolla gives a good bio fertilizer when 43. Closed economy means an economy which fields? mixed with. having. (a) Social service (a) Urea (a) Exports only (b) Classical Music (b) Cow dung (b) Imports only (c) Classical Dance (c) Bone meal (c) No Exports or imports (d) Sports (d) Blue green algae (d) Controlled supply of money 25. ‘Bachawat award’ was for 35. Nicoloconti is an 44. NEFA is the old name of (a) Teacher (a) Italian (a) Karnataka (b) Physicians and Surgeons (b) A Greek (b) Tamil Nadu (c) Lawyers (c) Russian (c) Nagaland (d) Newspaper Establishment (d) Frenchman (d) Arunachal Pradesh 26. What is laughing gas? 36. Who built Char Minar? 45. Jamshedpur is situated near the river. (a) Carbon Dioxide (a) Ibrahim Qutb Shah (a) Ganga (b) Sulphur Dioxide (b) Quli Qutb Shah (b) Kosi (c) Hydrogen Peroxide (c) Ali Adil Shah (c) Subarnarekha (d) Nitrous Oxide (d) Ibrahim Adil Shah II (d) Brahmani 27. Which types of photos has the highest 37. ‘Ryotwari’ was started by 46. An atomic power project in Gujarat is at energy? (a) Wellesley (a) Udaipur (a) Visible reduction (b) Hastings (b) Bikaner (b) Radio waves (c) Munro (c) Jaipur (c) Gamma rays (d) Dalhousie (d) Kakrapara (d) X-rays 38. A candidate do become a member of the 47. Swami Vivekananda’s birthday is 28. Glass is made of the mixture of Rajyasabha should not be less than observed in India as. (a) Quartz and mica (a) 21 years (a) All Saints Day (b) Sand and salt (b) 25 years (b) Hindu Renaissance Day (c) Sand and silicate (c) 30 years (c) National Youth Day (d) None of these (d) 35 years (d) World Religion Day 29. Epoxy resins are used as 39. Lotteries organised by the government 48. The oldest tournament of football in (a) Moth repellents of a state come under India is. (b) Insecticides (a) Union list (a) Rovers Cup (c) Detergent (b) State list (b) Santosh Trophy (d) Adhesives (c) Concurrent list (c) Durand Cup 30. The internal secretion of ____ helps (d) None of these (d) IFA Shield indigestion. 40. A member of a joint service commission 49. The deepest port of the country is. (a) Citric acid shall address his letter of resignation (a) Chennai (b) Sulphuric acid to the. (b) Paradeep (c) Acetic acid (a) President (c) Vishakhapatnam (d) Hydrochloric acid (b) Governor (d) Kandla 31. The richest source of vitamin D is (c) Chairman of UPSC 50. Who wrote the famous book ‘We the (a) Cod liver oil (d) P.M people’? (b) Spinceeh 41. Bank in India were nationalised for the (a) J. R. D Tata (c) Milk first time in the year (b) Khuswant Singh (d) Cheese (a) 1950 (c) T. N. Kaut

32. KMnO4 can be used as (b) 1960 (d) Nani Palkhivala (a) Insecticide (c) 1969 51. Liquefied petroleum gas consists of (b) Fertiliser (d) 1979 mainly. (c) Pesticide 42. When was the cooperative societies Act (a) Methane, Ethane and Hexane (d) Disinfectant first passed in India? (b) Ethane, Hexane and Nanone 33. The approximate velocity of light per (a) 1902 (c) Methane, Butane and Propane second is (b) 1910 (d) Methane, Hexane and Nanone (a) 3x106 m (c) 1920 52. Which is the best conductor of (b) 3x108 m (d) 1935 electricity? (c) 3x1010 m (a) Zinc (d) 3x1012m 58 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

(b) Copper (c) Illutmish (d) 32 gm (c) Gold (d) Feroj Saha Tuglaq 71. ‘Maiden Queen’ was the nick name of? (d) Silver 62. The book ‘Social Contract’ was written (a) Queen Marry 53. Monazite is an are. by (b) Queen Victoria (a) Iron (a) Aristotle (c) Queen Elizabeth – I (b) Titanium (b) Diderot (d) None of these (c) Thorium (c) Voltaire 72. Which state gives Mewar Award? (d) Zirconium (d) Rousseau (a) Delhi 54. Which is a positively charged particle 63. Which can be abolished but not (b) Punjab emitted by a radioactive element? dissolved? (c) Haryana (a) Alpharay (a) Rajya Sabha (d) Rajasthan (b) Beta ray (b) Municipal Bodies 73. The term ‘Silly Point’ is associated with. (c) Gamma ray (c) State Legislative Council (a) Chess (d) Cathode ray (d) None of these (b) Badminton 55. The location and energy of an electron 64. When did the first linguistic state of (c) Cricket in an atom can be specified by. Andhra come into existence? (d) Football (a) Atomic mass (a) October 2, 1953 74. Who is the author of the book ‘Freedom (b) Atomic number (b) October 1, 1953 Behind Bar’s? (c) Quantum number (c) April 1, 1953 (a) Kiran Bedi (d) None of these (d) January 5, 1953 (b) Nelson Mandela 56. The biotic relationship between insects 65. The tenth schedule to the constitution (c) Jawaharlal Nehru and plants with reference to pollination of India deals with. (d) Sheikh Abdullah is termed as. (a) Anti Defection Law 75. The headquarters of the ‘International (a) Saprophytism (b) Language of the Union Red Cross’ is situated in (b) Parasitism (c) List of Legislative Business (a) Paris (c) Mutualism (d) Special states of Jammu & Kashmir (b) Hague (d) Commensalism 66. RBI was setup in (c) Geneva 57. Root knot nematode and foot rot fungus (a) 1935 (d) Vienna affect. (b) 1947 76. Who was the founder of Nanda (a) Cardamom (c) 1955 Dynasty? (b) Black pepper (d) 1960 (a) Dhanananda (c) Turmeric 67. The largest land holing in India is. (b) Mohapadamnanda (d) Rubber (a) Basic holding (c) Kalashoka 58. Meningitis is a disease which affects the (b) Economic holding (d) None of these (a) Kidneys (c) Family holding 77. Who was called ‘Nirguna Upasaka? (b) Liver (d) Co-operative (a) Ekanath (c) Heart 68. The Asian Development Bank has its (b) Ramanuja (d) Brain headquarter in. (c) Jnandeva 59. Rigidity of cell wall. (a) Manila (d) Namdeva (a) Chitin (b) Kulalumpur 78. How many times Anglo-Maratha war (b) Lignin (c) Tokyo between them? (c) Suberin (d) Colombo (a) One time (d) Pectin 69. Which planets is known is ‘Morning (b) Twice 60. The power of the great cholas was Star’? (c) Thrice established by (a) Mercury (d) Fourth times (a) Aditya (b) Venus 79. Which group is an outer planets? (b) Rajaraja – I (c) Mars (a) Mercury, Venus, Mars (c) Kulothunga (d) Jupiter (b) Saturn, Venus, Mars Earth (d) Rajaraja 70. What is the average salt content in a litre (c) Earth, Mar, Jupiter 61. Who among the sultans of Delhi declared of sea water? (d) Jupiter, Saturn, Uranus, Neptune himself as a lieutenant? (a) 39 gm 80. The Plymouth city of USA is associated (a) Balban (b) 37 gm with. (b) Muhammad-bin-Tuglaq (c) 35 gm (a) Iron and steel

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(b) Ship building 89. The world’s largest ship canal is 98. Cooking oil can be converted in to (c) Silk textile (a) Suez in Egypt vegetables ghee by the process. (d) Films (b) Panama in America (a) Oxidation 81. Pirpanjal pass associated with which (c) Kiel in Germany (b) Hydrogen state? (d) Gota in Sweden (c) Distillation (a) J & K 90. Konark express runs between. (d) Crystallisation (b) Himachal Pradesh (a) Howrah – Puri 99. The purest form of iron is. (c) Uttrakhand (b) Puri – Mumbai (a) Steel (d) Bihar (c) BBSR – New Delhi (b) Cast Iron 82. The first Governor General of India? (d) BBSR – CST (Mumbai) (c) Pig iron (a) Warren Hasting 91. A Nageshwara Rao is associated with. (d) Wrought iron (b) Lord Dalhousie (a) Sports 100. Which is not correct matched? (c) Lord Caning (b) Social Service (a) Galena – Lead sulphate (d) Lord Elgin (c) Literature (b) Green Vitriol copper sulphate 83. The constitution of India was adopted (d) Motion picture (c) Plaster of Paris – calcium sulphate by the 92. Which is the highest gallantry award in (d) Calomet – Mercurous chloride (a) Governor – General India? (b) British Parliament (a) Kirti Chakra  (c) Parliament of India (b) PVSM (c) PVC (d) Constituent Assembly ANSWER KEYS 84. The appointments for the All India (d) VC 1. b 2. b 3. c 4. c Services are made by the 93. SAARC was found in. (a) UPSC (a) New Delhi 5. d 6. c 7. d 8. d (b) President (b) Dhaka 9. d 10. a 11. c 12. a (c) Geneva (c) Prime Minister 13. a 14. b 15. b 16. d (d) Parliament (d) Thimpu 17. d 18. b 19. b 20. c 85. The only P. M. who registered after 94. The tube light felt cooler than the light losing a vote of confidence in Lok Sabha from a bulb of the same wattage because 21. a 22. b 23. c 24. c was the. 25. d 26. d 27. c 28. c (a) Indira Gandhi (a) Tube is fixed at a greater height 29. d 30. d 31. a 32. d (b) Charana Singh than the bulb (c) V. P. Sing (b) Surface area of a tube is larger than 33. b 34. d 35. a 36. b (d) Chandra Sekhar that of a bulb 37. c 38. c 39. b 40. a 86. The National Housing Bank is a (c) Tungsten is not used in the tube 41. c 42. a 43. c 44. d subsidiary of (d) Tube consume less power 45. c 46. d 47. c 48. c (a) RBI 95. Raman effect is associated with (b) NABARD characteristic of. 49. c 50. d 51. c 52. d (c) UTI (a) Heat 53. c 54. a 55. c 56. c (b) Light (d) LIC 57. b 58. d 59. b 60. a 87. The long term fiscal policy proposes to (c) Electricity 61. b 62. d 63. a 64. b maintain the stability. (d) Magnetism (a) Direct tax rate 96. Ginger is a stem and not a root because. 65. a 66. a 67. c 68. a (b) Indirect tax rate (a) It stores food material 69. b 70. c 71. c 72. d (c) Ratio of tax revenue to national (b) It grows horizontally in the soil 73. c 74. a 75. c 76. b income (c) It has nodes and internodes 77. d 78. c 79. d 80. b (d) Ratio of direct tax – revenue to (d) It takes chlorophyll revenue from indirect tax 97. The smallest cells in the human body 81. a 82. a 83. d 84. b 88. Summer Solstice in the Southern are 85. c 86. a 87. a 88. a Hemisphere occurs on (a) Muscle cells 89. b 90. d 91. d 92. c (a) December 22 (b) Nerve cells (b) September 23 (c) Blood cells 93. b 94. c 95. b 96. c (c) June 21 (d) Epithelial cells 97. c 98. b 99. d 100. b (d) March 21

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1. A software tools that enable a user to (e) None of the above (a) Accessing interact with a computer for specific 8. Which can be used for development for (b) Referencing purposes are known as an application? (c) Updating (a) Hardware (a) Data (d) Functioning (b) Networked Software (b) Human factor (e) None of these (c) Shareware (c) Technology 15. Which of the following options is not (d)Application (d) All of the above located in the page setup dialog box. (e) None of these (e) None of these (a) Page Break Preview 2. Straight and Uniform margins on both 9. Press ______to move the insertion (b) Page Orientation the sides indicate that there is point to the address box, or to highlight (c) Margins ______in the document. the URL in the address box. (d) Headers and Footers (a) Full Justification (a) Shift + Tab (e) None of these (b) Full Alignment (b) Tab + Ctrl 16. You want to track the progress of the (c) Left Justification (c) Alt + D stock market on a daily basis. Which (d) Right Justification (d) Alt + A type of chart should you use? (e) None of these (e) None of these (a) Pie Chart 3. ______are used to identify a user 10. The most frequently used instructions (b) Row Chart who returns to a website. of a computer program are likely to be (c) Line Chart (a) Cookies (b) Plug-ins fetched from. (d) Column Chart (c) Scripts (d) ASPs (a) Hard Disk (e) None of these (e) None of these (b) Cache Memory 17. Which of the following is not a 4. The total set of interlinked hypertext (c) RAM Worksheet Design Criterion? documents World Wide is (d) ROM (a) Efficiency (a) HTTP (b) Browser (e) None of these (b) aditibilty (c) WWW (d) B2B 11. Which of the following is widely used in (c) Description (e) None of these academic testing? (d) Clarity 5. Which error detection method uses one’s (a) MICR (b) POS (e) None of these Complement arithmetic? (c) OCR (d) OMR 18. Which of the following is an absolute (a) Simple Parity Check (e) None of these cell reference? (b) Check Sum 12. A circular reference is (a) !A!1 (b) $A$1 (c) two dimensional parity check (a) Geometric Modeling tool (c) #a#1 (d) A1 (d) CRC (b) A cell that points to a drawing (e) None of these (e) None of these object 19. What symbols is used before a number 6. To stop unauthorized access to the (c) A formula that either directly or to make it a label? computer systems we should indirectly depends on itself (a) “(quote) (a) Have a trust worthy system (d) Always erroneous (b) = (equal0 administrator (e) None of these (c) _(underscore) (b) Have a sound encryption policy 13. To copy cell contents using drag and (d) ‘(apostrophe) (c) Have a good password policy drop press the (e) None of these (d) All of the above (a) End Key 20. Which of the following formulas will (e) None of these (b) Shift key Excel not be able to calculate? 7. The internet is an example of a : (c) Ctrl Key (a) = Sum (sales) – A3 (a) Packet switched network (d) Esc Key (b) = Sum ()A1: A5) * 5 (b) Cell switched network (e) None of these (c) = sum (A1: A5)/ (10-10) (c) Circuit switched network 14. Getting data from a cell located in (d) = sum(A1:A5)-10 (d) All of the above different sheet is called ______(e) None of these

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21. Which of the following memories must 29. ______view shows that how will 36. A type of core store that has a lower be refreshed many times per second? content on printed page, along with access time than the devices used for (a) Static RAM footer and margin header, appear. working store in the same processor is (b) Dynamic RAM (a) Draft known as (c) EPROM (b) Full Screen Reading (a) Core Memory (d) ROM (c) Outline (b) Buffer (e) None of these (d) Page layout (c) Fast Core 22. .PNG refers to (e) None of these (d) Address Register (a) Image file 30. If a disk drive fails but the computer (e) None of these (b) Movie/Animation File application running and using it can 37. A device that transmits messages in (c) Audio File continue processing, this application verbal form is (d) MS Office Document is said to have been designed with this (a) Audit Trail (e) None of these feature______(b) Card Punch 23. To identify TCP/IP errors such as (a) 100 percent Uptime (c) Audio Response Unit connection problems ______(b) Fault Tolerance (d) Magnetic Tape command can be used. (c) High Reliability (e) None of these (a) FTP (b) Ping (d) all of these 38. A frame work in which circuit boards (c) PoP3 (d) STP (e) None of these can be mounted is (e) None of these 31. The ______enables you to (a) Switch Circuit 24. A CD-RW has a speed rating of simultaneously keep multiple (b) Chip 12x10x32x what do the three numbers Webpages open in an Browser window. (c) Card Cage refer to in order? (a) Tab Box (d) Barcode (a) Write, Rewrite, Read (b) Pop-up Helper (e) None of these (b) Read, Write, Rewriter (c) Tab Row 39. Which of the following is a special (c) Rewriter, Read, Write (d) Address bar purpose language used to describe to a (d) Write, Read, Rewrite (e) Esc key computers operating system. (e) None of these 32. In negative logic the logic state 1 (a) LOGO (b) APL 25. Malware is the short form for malicious corresponds to (c) ICL (d) CORAL software and used to refer to (a) Negative Voltage (e) None of these (a) Spyware (b) Zero Voltage 40. The first computer used to store a (b) Worm (c) More Negative Voltage program. (c) Virus (d) Lower Voltage Level (a) EDSAC (d) All of these (e) None of these (b) ENIAC (e) None of these 33. File specification books are created (c) EDVAC 26. The simultaneous execution of two or primarily for the use of (d) ACE more instructions is called ______(a) System Analysts (e) None of these (a) Sequential Access (b) Programmers (b) Reduced Instruction Set (c) Operators (c) Multiprocessing (d) Managers  (d) Disk Mirroring (e) None of these (e) None of these 34. Which of the following is used as storage 27. Identify the program which is managed locations both in the ALU and the ANSWER KEYS by the system software of the control section of a computer? computer. (a) Accumulator 1. d 2. a 3. a 4. a (a) Software (b) Register 5. b 6. c 7. a 8. d (b) Data Resources (c) Adder 9. c 10. b 11. d 12. c (c) Hardware (d) Decoder (d) All of these (e) none of these 13. a 14. b 15. a 16. c (e) None of these 35. The input and output devices are located 17. c 18. b 19. d 20. a 28. What is the storage area for e-mail away from the central computer facility 21. b 22. a 23. b 24. a messages called? in which particular type of processing (a) A Folder (a) Time Sharing 25. d 26. c 27. d 28. c (b) A Directory (b) Batch Processing 29. d 30. b 31. a 32. d (c) A Mailbox (c) Interactive Mode 33. b 34. b 35. b 36. c (d) The Hard Disk (d) Real Time Processing (e) None of these (e) None of these 37 .c 38. c 39. c 40. a

62 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 BANKING AWARENESS MCQs

1. Which of the following works is/are (b) Share certificate issued by a PSU (e) 5 lakh rupees done by Credit Information (c) Demand Draft issued by a bank 13. Capital markets regulator SEBI has Companies? (d) Debenture of a company relaxed takeover norms for the (a) Collecting records of an (e) Airway Receipt acquisition of stressed assets of listed individual’s payments pertaining 7. Bank Holidays are covered by which of companies to help the government and to loans the following? the RBI in their efforts to tackle bad (b) Maintaining records of an (a) As per the order of the GOI loans. What is the meaning of “B” in individual’s payments pertaining (b) As per the order of the IBA SEBI? to credit cards (c) Negotiable Instruments Act (a) Base (c) Creating Credit Information (d) RBI Act (b) Business Reports (e) None of the given options is true (c) Broker (d) All of the Above 8. What is the purpose of KYC in banking? (d) Bank (e) None of the given options is true (a) It is used for customer (e) Board 2. By which rate is the domestic current identification 14. Asian Infrastructure Investment Bank rate of currency converted into foreign (b) It is used for increasing the CRR (AIIB) has approved USD 150 million currency? of banks equity investment loan to the India (a) Bank Rate (c) It is used for money laundering Infrastructure Fund. It is the bank’s (b) CRR (d) It is used by the central bank to first such loan to fund private projects. (c) Stock Exchange Rate control liquidity AIIB based in-? (d) Repo Rate (e) Both (a) and (c) (a) France (e) Exchange Rate 9. The FATF is an inter-governmental (b) Australia 3. Fiscal policy is concerned with which body. FATF stands for- (c) China of the following? (a) Financial Action Task Forum (d) Germany (a) Public Revenue and Expenditure (b) Financial Action Task Fund (e) USA (b) Issue of Currency (c) Financial Action Time Force 15. World Bank’s Board of Executive (c) Export Import (d) Financial Agency Task Force Directors has approved a loan (d) Population Control (e) Financial Action Task Force assistance of ______million (e) Education for all 10. Which of the following is correct? dollars for the Assam State Public 4. Maximum loan amount to individuals (a) Reserve Bank of India Act, 1935 Finance Institutional Reforms against physical security shares can be (b) Reserve Bank of India Act, 1934 (ASPIRe) Project. _____ (c) Reserve Bank of India Act, 1930 (a) 103 million dollars (a) 20 lakh (d) Reserve Bank of India Act, 1921 (b) 44 million dollars (b) 15 lakh (e) Reserve Bank of India Act, 1942 (c) 502 million dollars (c) 25 lakh 11. Who has been appointed as the (d) 328 million dollars (d) 50 lakh Managing Director and Chief Executive (e) 1005 million dollars (e) 10 lakh Officer of IDFC Bank with effect from 16. Which bank has started insolvency 5. The process by which the central bank July 16th 2017 for three years? resolution process against Lanco of a country controls the supply of (a) Sunil Mehta Infratech Ltd. following a directive money in the economy by exercising (b) Melwyn Rego from the Reserve Bank of India (RBI), its control over interest rates in order (c) Rajkiran Rai G while this is the first resolution process to maintain price stability and achieve (d) Sunil Kakar initiated by the lenders against 12 large high economic growth is known as: (e) Vikram Limaye borrowers identified by the RBI (a) Economic Policy 12. As per the amendment, the pecuniary recently? (b) Monetary Policy jurisdiction of the Banking Ombudsman (a) State Bank of India (c) Fiscal Policy to pass an award has been doubled to (b) IDBI Bank (d) Credit Policy _____ rupees. (c) Punjab National Bank (e) Budgetary Policy (a) 20 lakh rupees (d) Bank of India 6. Which of the following is the negotiable (b) 10 lakh rupee (e) ICICI Bank instrument? (c) 25 lakh rupees (a) Fixed Deposit of a Bank (d) 50 lakh rupees

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17. The Reserve Bank of India has initiated PCA on Bank of Maharashtra placing VANIK’S KNOWLEDGE GARDEN a restriction on the banking activities. SUKANYA SAMRIDDHI ACCOUNT  The scheme was launched by Prime Minister Narendra modi on 22 January 2015 as a part of the Beti Bachao, Beti What is the meaning of “A” in PCA? Padhao campaign for the future education and marriage expenses of female child. (a) Against  The scheme currently provides an interest rate of 8.4%. (b) Assets  The account can be opened at any India Post office or branch of authorised commercial banks. (c) Association  The age of girl should be 10 years or less than 10 years. (d) Action  100% amount can be withdrawn after the girl is 21  50% withdrawal is possible after the girl is 18. ( for illness, education or marriage) (e) Agency  No withdrawal is allowed if the girl is below 18. 18. Which among the following bank has  Account can be closed when the girl is 21. partnered with mobile payments  It can be continued after 21, but till the girl gets married switch TerraPay to enable real-time  A minimum of Rs 1,000 must be deposited in the account annually. The maximum deposit limit is Rs 150,000. If money transfer to bank accounts in the minimum deposit is not made in a year, a fine of Rs 50 will be levied. India?  Amount can be deposited only for 14 years after the opening of the account.  Only one account can be opened on a girl's name (a) Kotak Mahindra Bank  Maximum 2 accounts can be opened for 2 girls of a couple/parents (b) Axis Bank MUDRA BANK (c) Yes Bank  Micro Units Development and Refinance Agency(known as the MUDRA bank) (d) ICICI Bank  It is first set up as a subsidiary of the Small Industries Develpoment Bank of India(SIDBI). (e) HDFC Bank  MUDRA Bank is a public sector financial institution in India, It provides loan at low rates to small entrepreneurs. Important figures about MUDRA Bank 19. The proposed merger between Aadhar The bank will be set up with the initial corpus of Rs 20000 cr and a credit guarantee corpus of Rs 3000cr. bank have Housing Finance and DHFL Vysya categorized the amount of loan to be given in three different Housing Finance has hit the final lap Categories with it got the nod from housing finance SHISHU- This is the first stage and in it the loan will be given for upto Rs 50000 KISHOR- In the second stage a loan amount will be ranging from 50,000 to Rs 5 lakh. regulator National Housing Bank TARUN- This is last category which will provide upto Rs 10 lakh. (NHB). NHB was set up on- SMALL FINANCE BANK (a) 09th July 1982  Banks with a small finance bank license can provide basic banking service of acceptance of deposits and lending. (b) 09th July 1992  The aim behind these to provide financial inclusion to sections of the economy not being served by other banks, (c) 09th July 1999 such as small business units, small and marginal farmers, micro and small industries and unorganised sector entities. (d) 09th July 1988  For initial 3 year prior approval required for bank expansion. (e) 09th July 1956  They are not allowed to lend money to big Industry. 20. The Insurance Regulatory and  NBFC's and any indivisual with 10 years of experience in banking and finance can apply for licenses. Development Authority of India  The firms must have a capital of Rs100 crore. (IRDAI) has taken over the  The minimum paid up capital of such banks was Rs. 5 crores administration of Sahara India Life  75% of its net credits should be in priority sector lending and 50% of the loans in its portfolio must in 25 lakh range. Insurance, a first of its kind move in  The promoter’s contribution should be at least Rs. 2 crores the insurance sector. Sahara India Life  The promoters stake in the paid-up equity capital will be 40% initially which must be brought down to 26% in 12 Insurance based in- years. (a) Jaipur  A fundamental requirement is that 25% of its branch must set up in unbanked area. (b) Lucknow BANDHAN BANK  Bandhan Bank was set up in 2001 to handle dual objective of poverty alleviation and women empowerment. (c) Patna  Received its universal banking licence from Reserve Bank of India. The bank will provide funds to help and (d) Shimla develop the Small and Medium Enterprises (SME). (e) New Delhi  The saving interest rates have been fixed at 4.25% below Rs. 1,00,000 and5% above Rs. 1,00,000.  Headquarters is located at Kolkata, West Bengal.  Slogan of bank is "Aapka Bhala, Sabki Bhalai".  MD and CEO of bank is Chandra Shekhar Ghosh.  What is NPA in Banking System  If interest or installment or both of principal remain overdue for a period of more than 90 days in respect of a term loan. ANSWER KEYS  If Overdraft/ Cash Credit for an account remains ‘out of order’.  If bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted. 1. d 2. e 3. a 4. e  If installment of principal or interest remains overdue for two crop seasons for short duration crops / one crop season for long duration 5. b 6. c 7. c 8. e  Non submission of Stock Statements for 3 Continuous Quarters in case of Cash Credit Facility. 9. e 10. b 11. d 12. a  No active transactions in the account (Cash Credit/Over Draft/EPC/PCFC) for more than 91days  Despite the Reserve Bank of India (RBI) announcing numerous restructuring schemes, the bad loans have surged 13. e 14. c 15. b 16. b to Rs 614,872cr. Sub-standard assets: a sub standard asset is one which has been classified as NPA for a period not exceeding 12 17. d 18. c 19. d 20. b months. Doubtful Assets: a doubtful asset is one which has remained NPA for a period exceeding 12 months Loss assets: where loss has been identified by the bank, internal or external auditor or central bank inspectors. But the amount has not been written off, wholly or partly.

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REASONING ABILITY FOLLOW (or is not a possibility of 10. Statements: occurrence). Choose that conclusion as All dog are cat. Directions (1-5) : Study the following the answer. All cat are rat. information to answer the given No rat is lion. questions: 6. Statements: All lion are tiger. In a certain code, Some red are green. Conclusions: ‘Field Panel joint Guide’ is written as All green are blue. a) Some tiger are not rat ‘K28@ U10% Q18# T18©’ No blue is yellow. b) No rat is dog ‘Since Valid Worst Ideal’ is written as All yellow is black. c) Some cat are not lion ‘D36# H28© E24% R10@’ Conclusions: d) All rat being tiger is a possibility ‘Mount Local Trend Three’ is written as a) All red is blue e) No lion is dog ‘N42# G36© O06@ G10%’ b) Some black are not blue ‘Mixed loose Final Sport’ is written as c) Some yellow is green Directions (11–15) : Answer the questions ‘U28@ O30© N48% H30#’ d) Some black is yellow on the basis of the information given e) All blue being black is a possibility below. 1. What will be the code for ‘Spend Noise’? 7. Statements: Eight persons who names start with – A, B, a) H10% N18© All scan are pay. C, D, E, F, G and H are sitting in a circle. b) H10% M18@ No pay is buy. Some are facing outside, and others towards c) H12# M18© Some buy are now. the centre of the circle. The persons whose d) H10% M18© No now is today. name starts with consecutive letters in e) None of these Conclusions: English alphabetical series are not sitting 2. What will be the code for ‘Prize Level a) Some scan are not buy together like A is not sitting with B, B is not Ahead’? b) All pay being now is a possibility sitting with A and C, and so on. Also not a) Z10% K20© M44@ c) All buy being today is a possibility more than 2 consecutive persons face the b) Z10% K18© O44# d) Some today are not now same direction. Equal number of people are c) Z10% K18© O44@ e) Some now are buy facing outside and inside. d) Z10# J18© O44@ 8. Statements: C is sitting second to the left of F. There are e) None of these No flower is rose. 2 people sitting between B and A. A is facing 3. What will be the code for ‘Rural Prove’? All rose is food. outside. A and C are immediate neighbours. a) K30© I34@ No food is court. The one who likes blue color is sitting second b) J30© I36@ Some court are law. to the right of C. C is not sitting opposite B. c) K28© J36@ Conclusions: 2 people are sitting between A and the one d) K30© I36@ a) All flower being food is a possibility who likes blue color. e) None of these b) All food being rose is a possibility Also 3 people are sitting between D who 4. What could ‘Y42% W28%’ stand for? c) No court is rose does not like red color and the one who likes a) Noise Solid d) All law are food orange color. E is sitting second to the left b) Dance Bound e) No rose is flower of D. The one who likes green color is sitting c) Close Broad 9. Statements: third to the left of the one who likes black d) Bound Arise Some bag are back. color. Both of them are not immediate e) None of these All back is pack. neighbours of the one who like blue and 5. What will be the code for ‘Doubt Craft’? All pack is travel. orange colors. The one who likes white color a) W42# Y02# No travel is journey. is sitting third to the right of the one who b) Z42# X02# Conclusions: likes red color. 2 people are sitting between c) W44# Y02# a) Some bag are not pack G and the one who likes yellow color. B and d) W42# X02# b) Some pack is journey G are not facing same direction. E and C are e) None of these c) No journey is travel facing same directions and one of the 8 d) Some back is travel members likes grey colour. Direction (6-10): In the following e) Some journey are not pack question, a set of four statements is 11. Who likes yellow color? followed by five conclusions, one of a) E which DEFINITELY DOES NOT b) C 65 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

c) F Conclusions: I. C  P II. Q > R 22. In step 4, if ‘92’ is related to ‘orange’ d) Other than those in options a) only I follows and ‘layout’ is related to ‘apple’ in a e) H b) only II follows certain way, then ‘24’ is related to 12. Which of the following is true with c) either I or II follows which of the following? respect to the given arrangement? d) neither I nor II follow a) 21 b) 63 a) There are 2 people sitting between e) both I and II follow c) icing d) layout B and H e) None of these 19. Statements: T S < Q < A = P M b) G likes red color   23. How many steps are done to complete c) E is facing towards the center of = K; R = D  A  C > S < B = C the output? circle. Conclusions: I. K < Q II. D > T a) 6 b) 7 d) C is sitting second to the right of a) only I follows c) 8 d) 5 one who likes yellow color. b) only II follows e) 10 e) None of these is correct c) either I or II follows 24. In which of the following steps are 13. Who is sitting opposite H? d) neither I nor II follow words ‘icing apple review 21’ occur a) A e) both I and II follow together? b) G 20. Statements: P > A  R > S = T; U > R a) 2 c) C b) 4 = V C; S > D E d) Other than those in options   c) 6 e) F Conclusions: I. U  E II. U < E d) 5 14. A likes which of the following colors? a) only I follows e) There is no such step a) Red b) only II follows 25. Which of the following is the last but b) Orange c) either I or II follows one step of given input? c) White d) neither I nor II follow a) layout review 18 56 24 92 board d) Grey e) both I and II follow orange 21 39 63 83 apple icing e) Green b) layout review 18 24 56 92 board 15. If G faces outside, then which of the Directions (21 – 25): Answer the orange 21 39 63 83 apple icing following is odd one out based on questions on the basis of the c) layout review 18 24 56 92 board certain pattern? information given below. 21 orange 39 63 83 apple icing a) B A number arrangement machine when given d) layout review 18 24 56 92 board b) E an input of words/numbers, rearranges them orange 21 39 83 63 apple icing c) C following a particular rule in each step. The e) None of these d) F following is an illustration of input and steps e) D of rearrangement. Directions (26 – 30): Answer the Input: menu artwork 16 eagle 53 45 upper questions on the basis of the Direction (16-20): Relationship between heading 94 cost 52 77 information given below. different elements is shown in the Step 1: 96 menu artwork 16 eagle 53 upper Eight people—A, B, C, D, E, F, G, and H statements. Find if the conclusions also heading cost 52 77 43 stay in a building having three floors follow or not. Step 2: 54 96 menu artwork 16 eagle upper (numbered 1 to 3). They are either heading cost 77 43 51 Accountant or Businessman or Manager. In 16. Statements: P >A  R > S = T; U > R Step 3: 18 54 96 menu artwork eagle upper each floor there are at least two and at most = V  C; S > D  E heading cost 43 51 75 three flats. And at least two peoples are in Step 4: menu 18 54 96 eagle upper heading each profession but not more than three. Conclusions: I. E C II. T > D  cost 43 51 75 artwork B and C stay on different floors but not in a) only I follows Step 5: heading menu 18 54 96 upper cost floor numbered 2, and both are in same b) only II follows 43 51 75 artwork eagle profession. H and G stay on same floor and c) either I or II follows Step 6: cost heading menu 18 54 96 43 51 are in same profession, but not Manager. D d) neither I nor II follow 75 artwork eagle upper and E stay on different floors but not on e) both I and II follow This is the final arrangement and step 6 is floor numbered 1 and are in different 17. Statements: A= B  P < T = S; Q > C the last step for this input. professions but not Manager. A stays on = D < P < U; E > F < U = V Input: board 16 65 layout 90 orange 41 54 floor numbered 2 and D does not on same Conclusions: I. V > C II. A > Q icing apple 22 85 review 23 floor as A. Both people staying on floor a) only I follows numbered 2 are Accountants. F is Manager b) only II follows 21. What is the position of ‘layout’ in step but does not stay on floor numbered 1. From c) either I or II follows 3 from left end? three Managers two stay on floor numbered th d) neither I nor II follow a ) 1 0 3. F and C stay on same floor, and there are th e) both I and II follow b) 9 three businessman. c) 5th 18. Statements: P B = A S < T = Q;   d) 6th C = S > D > R = J e) 8th

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26. B stays on which floor number? 33. If A relates to S in the same way as J to be held between Olympiad and Debate. a) 1 relates to P, then how is J related to Q? The competition in which 215 students took b) 2 a) daughter part held immediately before the one in c) 3 b) nephew which 145 students took part. 130 students d) Cannot be determined c) niece took part in Singing. There are three e) None of these d) Cannot be determined competitions which are to be held between 27. Which profession does H has? e) None of these Dancing and Debate. The competition in a) Account which 175 students took part held on b) Businessman Directions (34-35): Answer the questions Friday. There are as many competitions c) Manager on the basis of the information given between Singing and Skating as between d) Cannot be determined below. Short Story and Skating. Painting e) None of these Point B is 9 km east of point A. Point T is 6 competition did not take place on Sunday. 28. Which of the following people stay on km south of point B. Point S is 4 km west Also the largest number of students did not the same floor? of point T. Point T is 8 km west of point G. take part in Painting competition. a) A, B 34. A person starts from point S, walks 3 b) F, E, C 36. How many students took part in Debate km towards south and reaches point competition? c) D, F D. Next he takes two right turns and d) A, E, H a) 250 reaches point A. How much distance b) 130 e) None of these has he travelled? 29. Which of the following peoples are c) 280 a) 18 km d) 175 Managers? b) 20 km a) F, H e) 215 c) 17 km 37. Singing competition held on which of b) G, D, F d) 14 km c) B, C, F the following days? e) 11 km a) Monday d) A, H 35. A person is standing on midpoint of line b) Wednesday e) None of these TG. Find his shortest distance from c) Friday 30. A stays on same floor with point B? a) C d) Saturday a) 3 km b) D 15 e) Cannot be determined c) E 38. How many competitions held after b) 5 km d) F 14 Skating? e) Cannot be determined a) 1 c) 6 3 km b) 2 Directions (31–33): Answer the questions c) 3 d) 2 km on the basis of the information given 13 d) Cannot be determined below. e) None of these e) None of these P is the brother of Q. C is the daughter of P 39. 145 students took part in which of the Directions (36–40): Answer the questions and also sister of J. A is mother of J. S is following competitions? on the basis of the information given father of A. D who is son of T is brother of a) Olympiad below. A. B has only one son and is married to E, b) Skating There are 7 competitions which are to be mother of P. c) Short Story held from Monday to Sunday such that on d) Singing any day one only competition is to be held. 31. How is D related to J? e) Cannot be determined The events of competitions are – Olympiad, a) son 40. Singing relates to Skating in the same Painting, Debate, Dancing, Singing, Short b) father way as Painting relates to Singing. In Story and Skating, but not necessarily in c) brother-in-law which same way Olympiad relates to the same order.. In each of these d) uncle which of the following? competitions different number of students e) Cannot be determined a) Skating took part as – 100, 130, 145, 175, 215, 250 32. If G is married to Q, how is B related to b) Short Story and 280, but not necessarily in the same G? c) Dancing order. a) father d) Debate Olympiad took place on Thursday. Lowest b) father-in-law e) None of these c) son-in-law number of students took part in Dancing. d) uncle Debate competition is to be held after e) Cannot be determined Singing. There is one competition which is

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QUANTITATIVE APTITUDE Directions (Q.46 – 50): What value should come in place of questions mark (?) in the following questions? Directions (Q.41 – 45): Study the following graph and answer the questions that follow. 4 46. 85% of of 6755 = ? + 1687 Profit = Income – Expenditure 7 a) 1586 b) 1592 c) 1594 d) 1582 e) None of these 1 1 1 47. 5568 873  72 22  ?2 a) 256 b) 4 c) 2 d) 16 e) None of these

48. 132  28  4  33 107  ?2 a) 2 b) 16 c) 256 d) 4 e) 2562 Profit 100 4 4 4 ?3 Percent profit = Expenditure 49. 0.49 0.343 0.2401  70100 41. If the income of company A and company B in the year 2006 a) 3 b) 1 was the same, what was the respective ratio of expenditures c) 4 d) 7 of company A and company B in that year? e) None of these a) 7 : 9 b) 13 : 15 50. 45% of 2025  0.01  ?2  25 c) 13 : 23 d) 27 : 29 e) Can’t be determined a) 3 b) 2 42. What was the amount of profit earned by company B in the 81 year 2007, if its income in that year was Rs.46.5 lakh? c) 81 d) 9 a) Rs.13.5 lakh b) Rs.24 lakh e) None of these c) Rs.19 lakh d) Rs.16.5 lakh e) None of these Direction (Q.51 – 55): Study the following table and bar graph to answer these questions. 43. If the income of company A in the year 2008 was equal to the expenditure of company B in the same year, what was the Air India’s performance indicators respective ratio of their expenditures in that year? a) 7 : 13 b) 4 : 7 2009 -10 2010-11 2011-12 2012-13 c) 5 : 8 d) 11 : 15 Total revenue (in Rs crore) 893.88 925.46 1023.95 1205.11 e) Cannot be determined Net profit/loss (in Rs. crore) 66.00 30.16 43.41 3.41 44. If the expenditure of company A in the year 2011 was Rs.45 Available tonne kilometres 2842.565 2919.512 3180.207 3176.00 lakh, what was its income in that year? (in million) a) Rs.65 lakh b) Rs.56 lakh Capacity utilisation 2109.959 2206.287 2386.111 2372.300 c) Rs.61 lakh d) Rs.72 lakh (in million) e) None of these Overall load factor (in%) 74.2 75.6 75.0 74.70 45. Which of the following statement is true? I. Company B made the maximum amount of profit in year Passenger load factor (in %) 56.0 68.6 69.3 66.40 2009. II. The profit percentage of company A remained the same in the years 2005 and 2010. III. The average amount of profit earned by company A was more than that earned by company B. a) Only I b) Only II c) Only III d) Only II and III e) None of these

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a) 4810 b) 4980 c) 4890 d) 4930 e) 4850 59. 23% of 6783 + 57% of 8431 = ? a) 6460 b) 6420 c) 6320 d) 6630 e) 6360 60. 335.01 244.99  55  ? a) 1490 b) 1550 c) 1420 d) 1590 e) 1400

Directions (Q.61 – 62): Study the following diagram to answer the question. Air India’s yield per tonne kilometre (in Rs) 51. Air India’s yield per tonne kilometre from April to May 2012 increased by a) 0.26 % b) 36 % c) 0.29% d) 0.31% e) None of these 52. The average increase in the passenger load factor over the 4 yr was a) 2.6% b) 1.2% c) 3.466% d) 4.835% e) None of these 61. If the diameter of each circle is 14 cm and DC = CE, the area of 53. The average increase in yield per tonne kilometre in 2013 from April to July is  BDE is a) 0.32 b) 0.42 a) 784 sq cm b) 748 sq cm c) 0.24 d) 0.46 c) 874 sq cm d) 441 sq cm e) None of these e) None of these 54. Between 2012 and 2013, the increase in yield per tonne 62. The area of the shaded region of square ABCD is kilometre in April as a ratio to the increase in yield per tonne a) 186 sq cm b) 168 sq cm kilometre in July is closet to which of the following? c) 188 sq cm d) 441 sq cm a) 3 : 4 b) 3 : 8 e) None of these c) 2 : 3 d) 7 : 4 63. A pump can fill a tank with water in 2 hours. Because of a leak, e) None of these 1 55. Air India’s average profit from 2009 -10 to 2012 -13 was it took 2 hours to fill the tank. The leak can drain all the a) Rs.3304.5 lakh b) Rs.3574.5 lakh 3 c) Rs.24015.5 lakh d) Rs.3645.8 water of the tank in e) None of these 1 Directions (Q.56 – 60): What approximate value should come a) 4 hours b) 7 hours in place of the question mark (?) in the following questions? 3 (Note: You are not expected to calculate the exact value.) c) 8 hours d) 14 hours e) None of these 56. 8787 343 50  ? 64. A person travels from P to Q at a speed of 40 kmph and returns a) 250 b) 140 to Q by increasing his speed by 50%. What is his average c) 180 d) 100 speed for both the trips? e) 280 a) 36 kmph b) 45 kmph c) 48 kmph d) 50 kmph 57. 3 2 548213038  ? e) None of these a) 48 b) 38 65. A shopkeeper sells two watches for Rs.308 each. On one he c) 28 d) 18 gets 12% profit and on the other 12% loss. His profit or loss e) 58 in the entire transaction was 5 7 11 11 58. of 4011.33 + of 3411.22 = ? a) 1 % loss b) 1 % gain 8 10 25 25

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73. 2 8 12 20 30 42 56 2 2 a) 8 b) 42 c) 3 % loss d) 3 % gain 25 25 c) 30 d) 20 e) 12 e) None of these 74. 32 16 24 65 210 945 5197.5 Directions (Q.66–70): In the following questions two equations a) 945 b) 16 numbered I and II are given. You have to solve both the c) 24 d) 210 equations and Give answer: e) 65 75. 7 13 25 49 97 194 385 a) If x  y a) 13 b) 49 b) If x  y c) 97 d) 194 e) 25 c) If x  y Directions (Q.76 – 80): Study the following information and d) If x  y answer the questions that follow. e) If x  y or the relationship cannot be established The premises of a bank are to be renovated. The renovation is in terms of flooring, Certain areas are to be floored either with marble wood. All rooms/halls and pantry are rectangular. The area to be 2 66. I. x 10x  21  0 renovated comprises a hall for customer transaction measuring 23 2 m by 29 m, the branch manager’s room measuring 13 m by 17 m, a II. y 16y  63  0 pantry measuring 14 m by 13 m, a record keeping-cum-server 2 2 2 room measuring 21 m by 13 m and locker area measuring 29 m by 67. I. x  16  23  56 21 m. The total area of the bank is 2000 sq m. The cost of wooden flooring is Rs.170 per square metre and the cost of marble flooring 1/3 2 II. y  55  376  18 is Rs.190 per square metre. The locker area, record keeping-cum- server room and pantry are to be floored with marble. The branch 12 8 manager’s room and the hall for customer transaction are to be 68. I.   x floored with wood. No other area is to be renovated in terms of x x flooring. 9 76. What is the ratio of the total cost of wooden flooring to the 182 total cost of marble flooring? II. y   0 a) 1879 : 2527 b) 1887 : 2386 y c) 1887 : 2527 d) 1829 : 2527 e) 1887 : 2351 69. I. 36x  64  0 77. If the four walls and ceiling of the branch manager’s room (the height of the room is 12 m) are to be painted at the cost of 2 II. 81y  4  0 Rs.190 per square metre, how much will be the total cost of the renovation of the branch manager’s room, including the 25 9 cost of flooring? 70. I.  17 x a) Rs.136800 b) Rs.216660 x x c) Rs.178990 d) Rs.211940 e) None of the above y 5 y 3 78. If the remaining area of the bank is to be carpeted at the rate of II.   Rs.110 per square metre, how much will be the increment in 3 6 y the total cost of renovation of bank premises? a) Rs.5820 b) Rs.4848 Directions (Q.71 – 75): In each of these questions, a number c) Rs.3689 d) Rs.6690 series is given. In each series, only one number is wrong. e) None of these Find out the wrong number. 79. What is the percentage area of the bank that is not be renovated? a) 2.2% b) 2.4% 71. 3601 3602 1803 604 154 36 12 c) 4.2% d) 4.4% a) 3602 b) 1803 e) None of these c) 604 d) 154 80. What is the total cost of renovation of the hall for customer e) 36 transaction and the locker area? 72. 4 12 42 196 1005 6066 42511 a) Rs.229100 b) Rs.230206 a) 12 b) 42 c) Rs.216920 d) Rs.242440 c) 1005 d) 196 e) None of these e) 6066 

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EXPLANATIONS 11.c 12.c 13.c 14.e 15.d (16-20) 16.b 17.a 18.e 19.b 20.c (1-5) (21-25) Symbols for last letters: Observe the last step: consonant alphabetically ascending order, t – #, l – @, e – ©, d – % then even number in ascending, then odd numbers in ascending and For letters: Reverse of 1st letter is taken. A -> Z, B -> Y………. then vowels alphabetically ascending. and Z -> A Even numbers increased by 2, and odd numbers decreased 2 when For numbers – 2* (number represented by middle letter of word) they are placed in next step. So Field – F -> U, E =5 so 5*2 = 10, last letter d – % Input: board 16 65 layout 90 orange 41 54 icing apple 22 85 review So Field – U10% 23 1.d; 2.c; 3.d; 4.e; 5.d; Step 1: 92 board 16 65 layout orange 41 54 icing apple 22 85 (6-10) review 21 6.c Step 2: 56 92 board 16 65 layout orange icing apple 22 85 review 21 39 Step 3: 24 56 92 board 16 layout orange icing apple 85 review 21 39 63 Step 4: 18 24 56 92 board layout orange icing apple review 21 39 7.c; 63 83 Step 5: review 18 24 56 92 board layout orange icing 21 39 63 83 apple Step 6: layout review 18 24 56 92 board orange 21 39 63 83 apple icing Step 7: board layout review 18 24 56 92 21 39 63 83 apple icing orange 8.d; 21.d 22.e 23.b 24.b 25.b (26-30)

9.b;

26.a 27.b 28.c 29.c 30.c (31-33) 10.b;

(11-15) 31.d 32.b 33.c (34-35)

34.c 35.d

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(36-40) 1 1 1 1 2 3 2 = 643  12 2  4 3  12 2 = 4 12  16

48.d; ?2  132  28  4  33 107 = 169  7  27 107 = 283 27  256 16

36.e 37.b 38.b 39.c 40.d ?  16  4 41.d; Let income of both the companies be x. 49.b; 0.7?3  0.724  0.734  0.744 100x Then expenditure of company A = 81216 4 145 = 0.7  0.7 ?  4  3 1 100 x Similarly, expenditure of company B = 135 50.e; 2025  45 Required ratio  45 45 2 Now,  ?  25 100x 100x 0.01100 = : 135:145  27 : 29 145 135 ?2 42.d; Income = Rs.46.5 lakh Or, 2025 = 100 46.5 25  Expenditure = = Rs.30 lakh 2 155 Or, ?  50625  Profit = Income – Expenditure ?  50625  225 = 46.5  30 lakh = Rs.16.5 lakh 51. a; Percentage increase = 43.c; Let income of company A = Expenditure of company B = x  7.48  7.46   0.02  100x 5  100%   100% Then, expenditure of company A =  x  7.46   7.46  160 8 200 5 %  0.26%  Required ratio = x : x  5:8 746 8 52.d; Increase passenger load factor in 2010 – 11 = 44.e; Expenditure of company A = 45 lakh  68.6  56  140  100%  Income of company A =  45  63 lakh 100  56  45.b; From the given graph, it is clear that profit percentage of 12.6  company A in the year 2005 and 2010 are same.  100%  22.5% = 56 85 4   46.c;  6755  ?1687 Increase passenger load factor in 2011 – 12 = 100 7  69.3 68.6   0.7  = 32811687 1594  100%   100% 1.02%  68.6   68.6  1 Increase passenger load factor in 2012 – 13 = 1  5568 3 1 47.a; ?2     1442  66.4  69.3    2.9   100%   100%  4.18%  87   69.3   69.3 

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Now, average increase = 245 82075  0  22.5 1.02  4.18  19.34 = 335  1492.27 1490  %  %  4.835% 55 55  4  4 53.a; Average increase in yield per tonne km in 2013 61.a; In  BDE, DC = 28 cm (because diameter of each circle is 14 cm) 0  8.918.73 9.07 8.91 10  9.07 Now, DE = DC + CE = 28 + 28 = 56 cm = 4 And BC = 28 cm Again, area of BDE, 0.18  0.16  0.93 1.27  =   0.3175  0.32 4 4 1 1 =  DE  BC = 5628 = 784 sq m per tonne kilometre 2 2 8.31 7.46 0.85 62.b; Area of the square = 28  28 = 784 sq cm  54.c; Required ratio = 10 8.73 1.27 Area of four circles = 4π r 2 22 85 146.07 6.07 6 2 = 4 77  28 22  616 sq m =      2 :3 127 149.07 9.07 9 3 7 55.b; Average profit =  Area of shaded parts = 784  646  168 sq cm  66  30.16  43.41 3.41 1 3 1  10000000 63.d; Part of tank emptied in 1 hour by the leak =    4  2 7 14 The leak will empty the tank in 14 hours. 142.98 1429800000 64.c; Speed of man from P to Q = 40 kmph = 10000000  357450000 4 4 40150 Speed of man from Q to P =  60 kmph 35745000 100 = lakh = 3574.5 lakh 100000 2 4060 Average speed =  48 kmph 8800 40  60 56.c; 7 180 340 2  Common gain or loss  3 2 65.a; Loss% =   57.b; 548213038  ?  10  2 or, 3837.8  ? 144 36 11 =  1 % or, 3838  ?2 100 25 25 66.d; I. x2 10x  21  0 or ?  3838  38 x2  7x  3x  21  0 5 7 58.c;  4010  3410 or  x  3,7 8 10 x  3x  7  0 2 2 2506  2387  4893  4890. II. y 16y  63  0 or y  7y  9y  63  0 236780 578430 or y  9y  7  0  y  9,7 59.e;  100 100  x  y 636450 2 2 2  6364.5  6360. 67.d; I. x  16  23  56 or 100 x2  256  529  56 60.a; ?  335.01 244.99 55  x  729  27 = 335 245  55

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(76 – 80) II. y1/3  55  376  182 Area of hall = 23 29  667 m2 1/3 y  324  55  376 Area of branch manager room = 1317  221m2 2 3 Area of pantry = 14  13 = 182 m  y  3  27 Area of record keeping = 21  13 = 273 m2  y  x Area of locker = 29  21 = 609 m2 Area of flooring area = 1952 m2 12 8 Cost of wooden flooring = Rs.170 per sq m 68.c; I.   x Cost of marble flooring = Rs.190 per sq m x x 76.c; Total flooring area with marble = Locker area + Record keeping + Pantry 20  x = 609 + 273 + 182 = 1064 m2 Cost of flooring = Rs.1064 190 189/ 2  y   0 3/ 2 9/ 2 Total flooring area with wooden = Branch manager room + II. y or y  18  0 Hall = 221 + 667 = 888 m2 1/ 2 1/ 2 3 Cost of flooring = Rs.880 170 Or 3 9 or 3 3  y   18  y  18   Ratio = 888  170 : 1064  190  y 183  x  y = 888  17 : 1064  19 = 15096 : 20216 = 1887 : 2527 77.e; Cost of flooring of branch manager room = 221  170 = 4 Rs.37570 69.a; I. 36x  64  0 or 6x  8  0 or x   Cost of painting = [2(17  12 + 13  12) + 13  17]  190 3 = [2(204 + 156) + 221]  190 = 941  190 = Rs.178790  Total cost = 178790 + 37570 = Rs.216360 16 2 II. 81y  42  0 or 9y 16  0 or y   78.e; Total area of bank = 2000 m 9 Total flooring area = 1952 m2 2  x  y Remaining area = 2000 – 1952 = 48 m  Cost of carpeting = 48110  Rs.5280 25 9 79.b; Area not to be renovated = 48 m2 70.c; I.  17 x or 34  17x x x 48 Required percentage = 100%  2.4%  x  2 2000 80.a; Cost of renovation of hall + Locker area = y 5 y 3 6 y 15 y 3    667 170  609 190 II. 3 6 or 18 y y 113390 115710  Rs.229100

21 y 3 318 18 or   y   18 y 21 7   x  y 71.d; The series is  1 + 1,  2 + 2,  3 + 3,  4 + 4,  5 + 5,  6 + 6 ...... 154 is written in place of 155. 72.b; The series is  2 + 22,  3 + 32,  4 + 42,  5 + 52,  6 + 62 ...... 42 is written in place of 45. 73.a; The series is +4, +6, +8, -10, +12, +14 ...... 8 is written in place of 6. 74.e; The series is  0.5,  1.5,  2.5,  3.5,  4.5,  5.5 ...... 65 is written in place of 60. 75.d; The series is +6, +12, +24, +48, +96, +192 ......

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REASONING ABILITY d) The one who have Kiran Desai book e) None of these Directions (Q. 1-5): Study the following information carefully 5. Who sits at the right end in Row two? and answer the given questions. a) Prema b) Aruna Ten persons Harshika, Kokila, Uma, Meena, Chitra, Dhiya, Nisha, c) Nisha d) Chitra Prema, Thamarai and Aruna are sitting in two rows with five e) Meena persons in each row. The persons in row one are facing south and the persons in row two are facing north. Each person in row one Directions (Q. 6-10): Study the following arrangement faces a person from the other row. All of them have a book of carefully and answer the questions given below: different authors, viz Chetan Bhagat, Kiran Desai, Arundhati Roy, 5 # 4 A $ D 2 % C B E 6 I K L 7 U Z 8 M N O 9 P Anita Desai, Salman Rushdie, Vikram Seth, Amitav Ghosh, Jhumpa Q £ @ 3 * J Lahiri, Anita Nair and Ruskin Bond, but not necessarily in the 6. How many such numbers are there in the above arrangement same order. each of which is immediately preceded by a consonant and The persons who like Salman Rushdie and Vikram Seth sit opposite immediately followed by a letter? each other. Dhiya sits opposite to Harshika, who likes Chetan a) One b) Two Bhagat. The one who likes Kiran Desai sits opposite the one who c) Three d) Four likes Jhumpa Lahiri. Aruna is not facing north but sits third to the e) None of these left of Nisha, who likes Kiran Desai. There is only one person 7. How many such consonants are there in the above arrangement between Kokila and Uma. Chitra sits at one of the ends of the row each of which is immediately preceded by a symbol and and likes Vikram Seth. The one who likes Jhumpa Lahiri is on the immediately followed by a letter? immediate right of Meena, who does not like Ruskin Bond. The a) One b)Two persons who like Arundhati Roy and Anita Desai respectively are c) Three d) Four not facing north. Uma likes Amitav Ghosh. The one who likes e) None of these Anita Desai sits opposite the one who is second to the right of 8. If all the symbols are dropped from the above arrangement Kokila. Thamarai does not like Ruskin Bond. Chitra sits opposite which of the following will be tenth from the left end? the one who sits second to the left of the one who likes Arundhati a) I b) K Roy. c) 8 d) U 1. Who have Anita Nair book? e) None of these a)Chitra b) Kokila 9. Which of the following is 7th to the left of the 16th element c) Meena d) Dhiya from the right end? e)Nisha a) 2 b) C 2. Who sits opposite to Kokila? c) % d) L a) The one who have Chetan Bhagat book e) None of these b) The one who have Arundhati Roy book 10. How many such symbols are there in the above arrangement c) Prema each of which is immediately followed by a number and d) The one who have Salman Rushdie book immediately preceded by a letter? e) Nisha a) One b) None 3. Who sits opposite to the one who sits second to the left of c) Two d) Three Chitra? e) None of these a) The one who have Arundhati Roy book Directions (Q. 11-15): Study the following information b) The one who have Anita Desai book carefully and answer the questions given below: c) The one who have Anita Nair book Seven engineers M, N, O, P, Q, R and S are from different fields, d) The one who have Kiran Desai book Civil, Software, Mechanical, Chemical, Electronics, Aeronautics e) None of these and Mining, but not necessarily in the same order. All the seven 4. Who among the following is the immediate neighbour of the engineers are engaged on one of the three different days of the week one who have Chetan Bhagat book? for work, viz Monday, Tuesday and Thursday. a) The one who have Anita Nair book P has done engineering in Aeronautics and does not work on b) Uma Thursday. N and O do not work on the same day. Those who work c) Thamarai

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c) R d) S • Only two stores sold TV’s between B and G. e) Both R and S • Difference between the number of TV’s sold by G and D 13. Which of the following groups works on Tuesday? is less than 5. C did not sell the least number’ of TV’s. a) N, P b) M, R c) P, R d) N,Q 21. In which of the following pairs did both the stores sell odd, e) None of these number of TV’s? 14. Who has done engineering in Mining? a) D, E b) A, B a) N b) P c) E, F d) F, G c) R d) S e) C, D e) Q 22. Which of the following stores sold 4 TV’s? 15. Which of the following groups of engineers works on Monday? a) F b) A a) Mining, Chemical b) Civil, Software c) C d) G c) Civil, Chemical d) Mining, Software e) E e) None of these 23. Based on the given arrangement, which of the following is true? a) D sold the TVs on Wednesday. Directions (Q. 16-20): In these questions, a relationship b) Only one store sod TV’s between C and F. between different elements is shown in the statements. The c) A sold 12 TV’s on Sunday. statements are followed by two conclusions. Give answer d) C sold 18 TV’s on Thursday. a) If only conclusion I is true. e) None of these b) If only conclusion II is true. 24. How many stores sold less number of TV’s than B? c) If either conclusion I or II is true. a) Five b) Three d) If neither conclusion I nor II is true. c) Six d) Two e) If both conclusion I and II are true. e) One 25. What is the difference between the number or TV’s sold on 16. Statements: B < D = N  Q, J  K = L, K  Q Monday and Friday? Conclusions: I. Q  B II. N  L a) 9 b) 12 c) 18 d) 3 17. Statements: V W < T = R,N P > K T, V < X    e) 11 Conclusions: I. N > W II. X < R 18. Statements: I < Z  X  V, N  T  I, V  J  L Directions (Q. 26-30): Study the following information carefully and answer the questions given below: Conclusions: I. I < J II. N L  J, K, L, M, N and O are six members of a group in which there are Directions (Q. 19-20): three female members. All the three females work in three different Statements: P  F = E  M, S > A  E, G  L  M departments, viz HR, Accounts and Publishing. All the persons 19. Conclusions: I. G  F II. S > G working in the same department are not on the same floor. All the females sit on three different floors, viz 1st, 2nd and 3rd. Two 20. Conclusions: I. A P II. G > P  persons work on each floor and in each department. Directions (Q. 21-25): Study the following information to K and N work in the same department but not in Publishing. N and answer the given questions. J are on the 1st and 3rd floors respectively. M works in the Seven stores viz. A, B, C, D, E, F and G sold different number of Accounts department. J works in the same department in which O TV’s of a particular brand viz. 4, 6, 9, 12, 15, 18 and 27 on seven works. L, a male, works on the first floor. M is a female but does different days of the same week starting from Monday and ending not sit on the 2nd floor. J is not a female. on Sunday, but not necessarily in the same order. 26. Which of the following pairs of employees works on the second • A sold the TV’s on one of the days after Friday. Only floor? three stores sold TV’s between A and the store which a) N, K b) J, O sold 12 TV’s. The store which sold TV’s on the day c) K, O d) K, L e) O, N 76 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

27. O works in which of the following departments? b) If only conclusions II follows a) Accounts b) Publishing c) If either conclusion I or conclusion II follows. c) HR d) Either a) or b) d) If neither conclusion I nor II follows. e) None of these e) If both conclusions I and conclusions II follow. 28. Which of the following groups of employees are females? (36-37) a) M, N, O b) J,M, O Statements: c) M, O, K d) L, K, N All packets are envelopes. No envelop is a gift. Some gifts are e) None of these boxes. 29. Which of the following pairs of persons works in Accounts department? 36. Conclusions : a) L, M b) O, M I. All envelopes are packets. c) K, M d) L, O II. All boxes can never be envelopes. e) Data inadequate 37. Conclusions : 30. If O is transferred to HR and N is transferred to Accounts, who I. All packets being boxes is a possibility. is to be transferred to Publishing to maintain the female’s II. No packet is a gift. original distribution of departments on each floor? a) K b) L (38-39) c) M d) Data inadequate Statements : e) None of these All diaries are novels. All novels are biographies. Some biographies are scripts. Directions (31-35): Study the following information carefully 38. Conclusions : and answer the questions given below: I. Atleast some diaries are scripts. In a certain code language ‘chair has two seat’ is written as ‘lu ch mi II. No diary is a script. pa’, ‘one is black seat’ is written, as `to ra bc lu’, ‘red and black 39. Conclusions : chair’ is written as ‘sa kl ch bc’ and ‘red one is good’ is written as I. All diaries are biographies. ‘kI to ct ra’. II. Some scripts are definitely not novels. 40. Statements : 31. How is ‘chair’ written in the code language? Some days are months. Some months are weeks. a) bc Conclusions : b) ch I. Some weeks are days. c) kl II. No week is a day. d) Can’t be determined e) Other than the given options QUANTITATIVE APTITUDE 32. ‘kI lu ch’ is the code for which of the following? a) red seat chair b) red and black Directions (Q.41-45) : The following pie-chart shows the c) chair is black d) Can’t be determined percentages of different age groups of people working in a e) None of these reputed company. Also, the ratio of male to female people 33. What does ‘sa’ stand for? working in the company is given below. Study these charts a) good b) chair and answer the questions properly. c) and d) red e) black 34. What is the code for ‘good black seat’? a) ct bc lu b) mi bc lu c) ra bc ch d) Can’t be determined e) lu ra be 35. How is ‘two’ written in the code language? a) mi b) pa c) be d) Can’t be determined e) lu Directions (Q. 36-40): In each question below are three statements followed by two conclusions numbered I and II. You have to take the given statements to be true even if they seem to be at variance from the commonly known facts and then decide which of the given counclusions logically follow from the given statements disregarding commonly known facts. Give Answer : a) If only conclusion I follows

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50. 2 3 8 30 195 2047.5 Different age groups M F (a) 3 (b) 8 Below 20 years 2 3 (c) 13 (d) 195 Between (20-30) years 3 5 (e) 2047.5 Between (30-40) years 6 11 51. A labourer was appointed by a contractor on the condition that Between (40-50) years 7 5 he would be paid Rs.75 for each day of his work but would be Above 50 years 8 3 fined at the rate of Rs.15 per day for his absence, apart from losing his wages. After 20 days, the contractor paid the labourer 41. What is the average number of workers working in the groups Rs.1140. the number of days the labourer abstained from of below 20 years and above 50 years? work was (a) 9090 (b) 9000 (a) 3 (b) 5 (c) 10020 (d) 12000 (c) 4 (d) 2 (e) None of these (e) 6 42. In which group is the number of female workers the maximum? 52. A person started his journey in the morning. At 11 a.m. he (a) Above 50 years 3 (b) Below 20 years covered of the journey and on the same day at 4.30 p.m. he (c) Between (20-30) years 8 (d) Between (30-40) years (e) None of these 5 covered of the journey. He started his journey at 43. If the average salary of male workers in the group between (20- 6 30) years is Rs.3268, what will be average salary of female workers if total salary in that group is Rs.64 x 105? (a) 6.00 a.m (b) 3.30 a.m (a) Rs.150 (b) Rs.172.53 (c) 7.00 a.m (d) 6.30 a.m (c) Rs. 360 (d) Rs.445 (e) 8.30 a.m. (e) None of these 53. If two numbers are each divided by the same divisor, the 44. The number of male workers in the group of above 50 years is remainders are respectively 3 and 4. If the sum of the two greater than that of male workers in the age group between numbers be divided by the same divisor, the remainder is 2. (20-30) years by The divisor is (a) 3654 (b) 4885 (a) 9 (b) 7 (c) 4965 (d) 5032 (c) 5 (d) 3 (e) 5460 (e) 7 45. In how many groups are male members greater in number than 54. Dina can type 30 words in 1 minute and Dodo 25 words in 1 female members of the same group? minute. Its Dina typed for 1 minute, then Dodo typed for 1 (a) 2 (b) 3 minute and so on. In this way, typing alternately they typed (c) 4 (d) 5 600 words. The time taken by them in typing these 600 (e) None of these words was (a) 22 minutes (b) 21 minutes 48 seconds Directions (Q. 46-50) : In each of the following series a wrong (c) 21 minutes number is given. Find out that number. (d) 21 minutes 25 seconds (e) 20 minutes 58 seconds 46. 327 343 365 404 453 517 598 55. The population of a village was 9800. In a year, with the (a) 343 (b) 365 increase in population of males by 8% and that of females by (c) 404 (d) 453 5% the population of the village became 10458. What was the (e) 598 number of males in the village before increase? 47. 12 15 24 52 135 411 (a) 4200 (b) 4410 (a) 12 (b) 15 (c) 5600 (d) 6048 (c) 24 (d) 52 (e) 1250 (e) 135 56. In an examination, the number of those who passed and the 48. 1.5 1.5 6 67.5 877.5 14917.5 number of those who failed were in the ratio 25 : 4. If five (a) 1.5 (b) 6 more had appeared and the number of failures was 2 less than (c) 67.5 (d) 877.5 earlier, the ratio of passers to failures would have been 22:3. (e) 14917.5 The number who appeared at the examination, is 49. 1 15 81 256 625 1296 (a) 145 (b) 150 (a) 1 (b) 15 (c) 155 (d) 180 (c) 625 (d) 256 (e) 310 (e) 1296

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Directions (Q. 57-61) : Study the following graphs and answer Directions (Q. 64-66) : What approximate value should come the questions based on it. in place of the question mark (?) in each of the following equations?

64. 52.861 0.2563  8.1 57.35  0.0087  ? (a) 119 (b) 116 (c) 121 (d) 115 (e) 123 65. 85% of 225 + 56% of 450 + 32.98 x 5.001 = ? (a) 600 (b) 625 (c) 608 (d) 605 (e) 612

2 1 66. 59.96  81.009 4  3  ? (a) 3625 (b) 3300 57. The percentage of success is the highest in which of the (c) 3600 (d) 3455 following classes? (e) 3650 (a) II (b) III 67. A cistern has two pipes. One can fill it with water in 8 hours (c) IV (d) V and other can empty it in 5 hours. In how many hours will the (e) None of these cistern be empties if both the pipes are opened together when 58. The pass marks of the test of class I is 32 out of total marks 3 100. For class II, it is 32 out of total marks 50. Similarly, 24 of the cistern is already full of water? out of 30, 15 out of 20, 8 out of 10, and 3 out of 5 for classes 4 III, IV, V and VI respectively. The average percentage of pass marks of the students taking all the classes together is nearly 1 equal to the percentage of pass marks of the students of (a) 13 hours (b) 10 hours which of the following classes? 3 (a) II (b) III 1 (c) IV (d) V (c) 6 hours (d) 3 hours (e) None of these 3 59. The ratio of the number of students appeared to that of those (e) 11 hours successful for all the classes together is equal to 68. By selling a table for Rs.350 instead of Rs.400, loss percent (a) 164 : 51 (b) 313 : 81 increased by 5%. The cost price of the table is (c) 51 : 164 (d) 21 : 59 (a) Rs.50,000 (b) Rs.55,000 (e) None of these (c) Rs.57,500 (d) Rs.60,000 60. If the government decides to reward the classes who success (e) Rs 1000 percentage is more than 60 per cent, the number of classes 69. X, Y and Z three friends started a business. X’s investment is that falls into this category is equal to 2 times of Y’s investment and Y’s investment is 5 times of Z’s (a) One (b) Two investment. What would be the profit of Y if the total profit (c) Three (d) None is Rs.25600? (e) None of these (a) Rs.5000 (b) Rs.6400 61. The percentage change between the percentage of successful (c) Rs.8000 (d) Rs.8400 students from class III and that from class IV is equal to (e) Rs 6000 (a) 80% (b) 63.5% 70. A train passes two bridges of lengths 800 m and 400 m in 100 (c) 37.5% (d) 15% seconds and 60 seconds respectively. The length of the train (e) None of these is (a) 80m (b) 90m Directions (Q. 62-63) : What should come in place of the (c) 200m (d) 150m question mark(?) in each of the following questions? (e) 160m 9 8 71. A cuboidal water tank contains 216 litres of water. Its depth is 62. C(?)  C5  8 100 (a) 5 (b) 6 1 1 1 (c) 7 (d) 8 of its length and breadth is of of the difference (e) None of these 3 2 3 63. 6% of 350 + (?)% of 220 = 75% of 40 between length and depth. The length of the tank is (a) 5 (b) 4.09 (a) 72 dm (b) 18 dm (c) 5.5 (d) 7 (c) 6 dm (d) 2dm (e) None of these (e) 3dm

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72. 12 spheres of the same size are made by melting a solid cylinder 77. I. 3 II. 2 of 16cm diameter and 2 cm height. The diameter of each sphere x  76507 y  784 is (a) 2cm (b) 4cm 4 y  7 78. I. x  II.  3 2 4 (c) 3cm (d) 3 cm Directions (Q. 79-80) : Each question is followed by two (e) 6 cm statements. Mark (A) If statement I. alone is sufficient but statement II. alone Directions (Q.73-76) : Study the following table and answer is not sufficient. the questions based on it (in lakhs of Rs.) (B) If statement II. alone is sufficient but statement I. alone is not sufficient. XYZ Co. Pvt. Ltd. (C) If both statement I and II together are sufficient but Year Total Gross Net neither statement alone is sufficient. (Sales) Profit Profit (D) If each statement alone is sufficient. (E) If statement I and II even together are not sufficient. 1990 351.6 155.5 54.2 1991 407.9 134.3 42.6 79. Is a two-digit number divisible by 5? 1992 380.1 149.9 38.9 1 1993 439.7 160.5 50.3 I. The unit’s digit of the number is of the number.. 7 1994 485.9 203.3 65.8 II. The sum of the digits is equal to 8. (a) A (b) B 73. In which year the difference between the total sales and the (c) C (d) D gross profit is the least? (e) E (a) 1990 (b) 1991 80. Find C in the trapezium ABCD. (c) 1992 (d) 1993 (e)1994 I. A  50o 74. The total sales in 1993 in approximately what percent of the o total sales of 1990? II. B  25 (a) 75 (b) 85 (a) A (b) B (c) 110 (d) 125 (c) C (d) D (e)120 (e) E 75. Which years show increase in all categories simultaneously i.e., total sales, gross profit and net profit as compared to the previous year?  (a) 1993 and 1994 both (b) 1994 and 1992 both (c) 1992 and 1993 both EXPLANATIONS (d) 1990 and 1991 both (e) None of these (1-5) 76. The percent increase in the gross profit was the maximum in which year as compared to the previous one? (a) 1991 (b) 1992 (c) 1993 (d) 1994 (e) Cannot be determined Directions (Q.77-78) : In each of the following questions two equations I and II are given. You have to solve both the equations and give answer. (a) If x

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(6-10) (19-20) 6.b; Consonant Number Letter Given statements: ie L7U, Z8M. Thus, there are two numbers. P  F = E  M ...(i) 7.a; Symbol Consonant Letter S > A E ….(ii) ie %CB  8.a; After rearrangement G  L  M …(iii) 5 4 A D 2 C B E 6 I K L 7 U Z 8 M N O 9 P19.e; Cheek for conclusion I. Q 3 J From (i) and (iii), P  F = E  M  L  G I  10th Thus, F  G or G  F is flue. 9.c; 7th to the left of 16th element from the right end is (16 + Check for conclusion II. 7=) 23rd from right end, ie %. From (i), (ii) and (iii), we get 10.b; Letter Symbol Number S > A E = F M L G There is no such symbol.     Thus, S > G is true. (11-15) 20.a; Check for conclusion I. From (i) and (ii), we get P  F = E  A < S Thus, P  A or A  P is true. Check for conclusion II. From (i) and (iii), we get P  F = E  M  L  G Thus, we can’t P and G. Hence II (G > P) is not true. (21-25)

11.d 12.e 13.a 14.e 15.d (16-20) 16.b; B < D = N  Q …..(i) J  K = L …..(ii) K  Q ….(iii) Combining all these statements, we get B < D = N  Q  K = L  J Thus, we can’t compare Q and B. Hence (Q  B) is not true. 21.b 22.e 23.d 24.c 25.a Again, N  L is true. Hence II is true. (26-30) 17.a; Male (+), Female (-) V  W < T = R ….(i) N  P > K  T ….(ii) V < X …(iii) Combining all these statements, we get X > V  W < T = R  K < P  N ... (iv) From (iv), W < N or N > W is true. But, we can’t compare X and R. Hence conclusion II (X < R) is not true. Thus, only conclusion I is true. 18.d; I < Z  X  V ….(i) N  T  I …(ii) 26.c 27.b 28.a 29.a 30.c V  J  L ….(iii) (31-35) Combining all these statements, we get 31.b 32.a 33.c 34.a 35.b N  T  I < Z  X  V  J  L ….(iv) From (iv), we can’t compare I and J or N and L. Thus, neither conclusion I (I < J) nor conclusion II (N  L) is true.

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(36-37) 50-b; The series is 1.5,2.5,4,6.5,10.5 51-c; Total salary for 20 days = Rs. (75 x 20) = Rs.1500 Actual salary received = Rs.1140 Difference = Rs. (1500-1140) = Rs.360 Money deducted for 1 day’s absence from work = Rs.(15+75) = Rs.90 360 Number of days the he was =  4 days 36.b 37.e 90 (38-39) 1 11 52-d; Differenced of time = 4.30p.m. – 11a.m. = 5 hours = 2 2 hours Distance covered in this period of time 11 5 3 20  9 11 =    part 2 6 8 24 24 11 11 38.c 39.a  part of the journey is covered in hours 40.c 24 2 3  part of the journey is covered in 8 11 24 3 9 1     hours = 4 hours. 1 2 11 8 2 2 41-b;  60% of 30,000 = 9000 2 Clearly the person started at 6.30a.m. 42-b 53-c; Required divisor = 3 + 4 – 2 =5 54-b; Number of words typed by Dina and Dodo in first 2 minutes Below Between (30-40) yrs (40-50) Above = 30 + 25 = 55 20 yrs (20-30) 11 yrs 50 yrs 3 yrs 12% 5 3 Number of words typed in 20 minutes = 5010  500 35% 5 17 12%  25% 5 16% 12 11 8 Number of words typed in 20 minutes = 5510  550 Now Dina type 30 words in 21st minute. 3 Number of words typed = 550 + 30 = 580 64105  326816% of 30103  Now it the turn of Dodo who types remaining 20 words. 8 172.53 43-b; 3 5 60 16% of 3010  Time taken by Dodo =  20  48 seconds 8 25 44-a; Required number = Total time taken = 21 minutes 48 seconds. 8 3 55-c; Let the number of males = x 25% of 30,000 16% of 30,000  3654 11 8 Number of females = 9800  x 45-a According to the question, 2 2 2 2 2 2 108 105 46-b; The series is  4 ,5 ,6 ,7 ,8 ,9 x  9800  x 10458 47-b; The series is 100 100 1 2,1.5  3, 2  4, 2.5  5,3 6  108x  9800105 105x  1045800 48-b; The series is 1,591317  3x 1029000 1045800  3x  1045800 1029000  16800 49-b; The series is 14 ,24 ,34 ,44 ,54 ,64

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16800 1 1 8  5 3  x   5600 67-b; Part of cistern emptied in 1 hour =    3 5 8 40 40 56-a; Let the number of failure = 4x 3  part is emptied in 1 hour.. And that of passers = 25x 40 Total number of students = 4x  25x  29x 3 40 3 In case II  part is emptied in  10 hours. Number of students = 29x  5 40 3 4 68-e; Difference of SP = Rs. (400-350)= Rs.50 Number of failures  4x  2 Now, 50 = 5% of CP Number of passers = 29x  5  4x  2  25x  7 50100 According to the question,  CP  5 25x  7 22  = Rs.1000 4x  2 3 69-c; Since, X=2Y and Y = 5Z and  88x  44  75x  21 X : Y  2 Y : Z  5 :1  88x  75x  44  21 X : Y : Z 10 : 5:1  13x  65  Ratio of investments made by X,Y and Z So, profit of Y as per investment = 65  x   5 5 13  25600  Rs.8000 16 25 70-c; Let the length of train be x means. 57-d; %  100 is the highest among other options. 50 As given, 58-a; Average % of pass marks = (32+64+80+75+80+60)/6=65.2% x  800 59-a 60-d Speed = 100 40%  25% 61-c; % of change = 100  37.5% x  400 40% Sped = 60 0.15  100 x  800 x  400 0.40   9 8 100 60 62-c; Cx + C5 + 8 = 100 9C + 56 + 8 = 100  x x  800 x  400 9 9    Cx = 36= C7 x = 7 5 3 63-b; Let x% of 220 = 75% of 40 – 6% of 350 = 9  5x  2000  3x  2400 9100 45  2x  400 or x    4.09 220 11 400  x   200 m. 64-a; 52.8 + .3 + 8 + 57.4 + .0087 = 118.5 + 0.0087 = 119 2 85 225 450 71-b; Let the length of the tank be x cm. 65-c;  56  335 100 100 x  Depth =  85 2.25  56 4.5 165  608 3 2 1 66-c; 60  81 4  3  3600  3 3  3600 1 1  x  x Breadth =   x    2 3  3  9

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x x VANIK S KNOWLEDGE GARDEN Now, x    2161000 ’ 3 9 List of latest Schemes and apps Launched by banks  x3  27 2161000 1) Airtel money – AXIS BANK+AIRTEL 2) Asha Home loan AXIS BANK 1/3 –  x  27 2161000 3) BOUTIQUE FINANCING SCHEME – SBI 4) Branch on Wheel – ICICI Bank in Odisha  x  3610 5) Chillar – Hdfc Bank = 180cm = 18 dm. 6) China’s first online Banking “webank” – Tancet 2 2 Holdings 72-b; Volume of cylinder = π r h  π8  2 7) DDA Housing Scheme 2014 – HDFC Bank 3 8) Digital Banking “POCKET” – ICICI = 128cm 9) Digital Village Project in Akodara Village of Let the radius of each sphere be r cm. Gujarat – ICICI 10) eforex SBI 4 – 12 π r3 128π 11) E-KYC – SBI 3 12) EMI ON DEBIT CARD – ICICI BANK 13) E-Wallet – IRCTC 16π r3 128π 14) Facebook-based funds transfer platform “KayPay” – Kotak Mahindra Bank 3 128π 15) First home grown INDEX “COMPOSITE  r  INDEX” – SBI 16π 16) I-Mobile app for windows phone – ICICI 3 17) India’s first” transparent credit card “in  r  8  2cm association with American Express – ICICI  Diameter = 2 2  4cm. 18) ICICI Apathon App – ICICI Bank launches 73-c; The difference between the total sales and the gross profit it ‘ICICI Appathon’, a Mobile App Development Challenge is the least in the year 1992 19) India’s first credit card exclusively for GOLF 74-d; Total sales in 1993= Rs.439.7 lakhs LOVERS – RBL Bank 439.7 20) Instant money transfer – BOI  Required percentage = 100 21) Instant Money Transfer (IMT) – Bank of India 351.6 22) Kisan card – AXIS BANK 23) Maha Millionaire”, “Maha Lakhpati” – Bank of 440  100 125 Maharashtra 350 24) M-Pesa – ICICI+Vodafone 25) M-Wallet – Canara Bank 75-b; It is obvious from the table. 26) State Bank Freedom App – State Bank of India 76-c; Percentage increase in the year, 27) Student Travel Card – ICICI 149.9 134.3 15.6100 28) TAB BANKING FACILITY – SBI 1992  100  11.6 29) Tap and pay – ICICI 134.3 134.3 30) Twitter Handle account – SBI 160.5 149.9 10.6100 31) Video conferencing – Indusuld & federal bank 1993  100   7% 32) Youth for India – SBI 149.9 149.9 33) First home grown INDEX “COMPOSITE 203.3160.5 42.8100 INDEX” – SBI 1994  100   26.6 34) IMobile app for windows phone – ICICI 160.5 160.5 35) India’s first” transparent credit card “in 4 association with American Express – ICICI 77-d; x  & y  28 36) India’s first credit card exclusively for GOLF – 3 RBL Bank 78-a 79-c 37) Instant money transfer – BOI 38) - Kotak 80-b; Statement II is sufficient. Kotak Bharat’ mobile banking app Mahindra Bank (KMB) 39) ‘Saral Rural Housing Loan’ Scheme - ICICI Bank  40) Awareness initiative ‘Dhanchayat - HDFC Bank

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REASONING ABILITY a) 98 b) 80 13. Which colour is opposite to purple? c) 89 d) 18 1. Fresh water : Perch : : Salt water : ? a) Crocodile b) Frog Directions (9): In the following c) Cod d) Snake questions, four words have been given, 2. Venerate : Worship :: Extol:? out of which three are alike in some a) Glorify manner and the fourth one is different. b) Homage Choose out the odd one. c) Compliment a) Blue b) Orange 9. a) Travelled b) Sailed d) Recommend c) Red d) Green c) Walked d) Rode 3. 7584:5362::4673:? 14. A boy was misdirected from his way 10. A group of alphabets are given with each a) 2451 b) 3562 while returning to his home from his being assigned a number. These have c) 5487 d) 5784 school. In order to reach his home, he to the unscrambled into a meaningful 4. DRIVEN is related to EIDRVN in the first moved 3 km in south direction and word and correct order of letter may same way as BEGUMF is related as then turned to his left and moved 2 km be indicated from the given responses. a) BGMEFU b) BGMUEF in straight direction on the road leading YMLOSBCI c) EUBGMF d) MGBEUF to the east. From there, he moved to a) 47685321 5. Ecstasy : Gloom : :? his left and walked 3 km. After this he b) 51264387 a) Congratulations: Occasion again turned to his left and moved 1 c) 21645387 b) Diligent : Successful km. Finally he reached his home. The d) 56241387 c) Measure : Scale home of the boy was in which direction 11. From a given figure of open dice which d) Humiliation : Exaltation from his school? dice we can make? 6. If X stands for addition, B stands for a) South b) West subtraction, U stands for equal to’, A c) North d) East stands for division, stands for 15. Of the 5 houses A, B, C, D and E situated  close to each other. A is to the west of multiplication,  stands for greater B, C is to the south of A, E is to the than and  stands for less than. State north of B and D is to the east of E. which expression is true. Then C is in which direction with a) 3 X 8 V 2 U 12  3 respect to D? b) 13 V 12 X 9 V 2  51  3 a) South-West b) North-East c) 3  3  4  51  3 c) North-West d) 3  2  4 U 2 X 7 V 3 d) South-East 7. Select the missing symbol from the a) Only (a) and (b) Directions(16-18): Two statements are given order: b) Only (d) c) Only (b) and (d) given following by four conclusions, I, d) Only (c) and (d) II, III and IV. You have to consider that 12. Few cubes are arranged as shown in the statements to be true, even if they seem figure. How many cubes are unseen? to be at variance from commonly known facts. You are to decide which of the given conclusions can definitely be drawn from Directions (8): Find the missing number the given statements. Indicate your from the given responses : answer. 8. 16. Statements: a) Some buses are four wheelers. b) All four wheelers are vans. a) 8 b) 10 Conclusions: c) 12 d) 14 I. Some vans are buses.

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II. Some buses are vans. a) Saturday b) Thursday Matrix – II a) Either conclusion I or II follows c) Sunday d) Tuesday b) Both conclusion I and II follow 21. C is A’s father’s nephew. D is A’s cousin 5 6 7 8 9 c) Only conclusion I follows but not the brother of C. How is D 5 B U I L D d) Only conclusion II follows related to C? 6 U I L D B

1 7 . Statements: a) Father b) Sister 7 I L D B U a) All men are bachelors. c) Mother d) Aunt 8 L D B U I b) Some bachelors are teachers. 9 D B U I L c) Some teachers are spiritual. Directions (22): In the following questions, five words are given. Which Conclusion: a) 55, 57, 21, 22, 86 of them will come in the middle if all of I. All men are spiritual. b) 96, 03, 75, 85, 22 them are arranged alphabetical as in a II. Some bachelors are teachers. c) 96, 03, 75, 67, 22 dictionary? III. Some teachers are spiritual d) 55, 21, 57, 86, 22 IV. All teachers are spiritual. 22. Outrage, Outcast, Overture, Ovary, a) Only conclusion I follows Overtake ENGLISH LANGUAGE b) Only conclusion II follows a) Outrage b) Outcast c) Only conclusion III follow Direction (Q. 26-28): In the following c) Overture d) Ovary questions, some parts of the sentences d) Only conclusion IV follow 23. oru_o_xuor_x_rux 18. Statements: have errors and some are correct. Find a) orxu b) xuro out which part of a sentence has an error. a) All English movies are violent c) xruo d) ourx b) Some people like watching English The number of that part is your answer. movies. Directions (24): From the given If a sentence is free from error, then your Conclusion: alternative select the word which cannot answer is (d) i.e. No error. I. All people watching English be formed using the letters of the given 26. (a) We can’t handle this complicated case movies like violence. word. today / (b) unless full details are not II. All people who like violence given/ (c) to us watch English movies. 24. STANDARDIZATION a) RADIATION by them. / (d) No error a) Only I follows 27. (a) While Ram was away on a long b) Only II follows b) RADIO c) STANDING official tour / (b) his office receive an c) neither I nor II follows important letter / (c) d) Both I and II follows d) DISTANT 25. A word is represented by only one set which was marked ‘Urgent’. / d) No Directions (19): In the following of numbers as given in any one of the error questions, a series is given with one term alternatives. The sets of numbers given 28. (a) I have read an interesting book missing. Choose the correct alternative in the alternatives are represented by yesterday/ (b) and underlined the new from the given ones that will complete two classes of alphabets as in two words /(c) which the series. classes of alphabets as in two matrices are simple but effective. / (d) No error. given below. The columns and rows of 19. Direction [Q. No. 29 to 30]: Sentences Matrix 1 and numbered from 0 to 4 and are given with blanks to be filled in with that of Matrix II are numbered from 5 an appropriate word(s). Four alternatives to 9. A letter from these matrices can are suggested for each question. Choose be represented first by its row and next the correct alternative out of the four by its column, e.g., ‘A’ can be and indicate it by blackening the represented by 03, 14 etc. and ‘U’ can appropriate oval in the answer-sheet. be represented by 56, 65 etc. Similarly, you have to identify the set for the 29. Krishna was charged _____ murder. word ‘BRIDE’. (a) about (b) of Matrix – I (c) from (d) with 30. Try to avail yourself ____ every 0 1 2 3 4 opportunity that comes your way. 0 E S P A R (a) on (b) with 1 R E S P A (c) of (d) about 2 A R E S P 3 P A R E S Direction [Q. No. 31 to 32]: Choose the word opposite in meaning to the given 4 S P A R E 20. Mohini went to movies nine days ago. word and mark it in the answer-sheet. She goes to the movies only on 31. Debonair: Thursday. What day of the week is (a) Awkward (b) Windy today? (c) Balmy (d) Supportive

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32. Exhume: 38. 1 : The discovery of radioactivity was 41. Somebody has stolen the purse which (a) Decipher (b) Dig the foundation stone of atomic I had bought recently. (c) Bury (d) Admit research. (a) My purse which had been P : This higher value it has because it bought recently by her has been Direction [Q. No. 33 to 34]: Groups of has brought relief and cure to many stolen. four words are given. In each group, one suffering persons. (b) My purse which I had bought word is misspelt. Find the misspelt word Q : Today, because of its rarity radium recently has been stolen. and mark your answer in the answer- is one of the most commercially (c) I had bought a purse recently and sheet. valuable elements in the world. it has been stolen. (d) The purse which had been 33. (a) Consequences R : One might claim that in radium bought recently by me has been (b) Recomendation alone atomic research has given us stolen. (c) Instructor something capable of saving more lives than the atomic (d) Specimen Direction [Q. No. 42-43] : Sentences bombs have destroyed. 34. (a) Measurement have been given in direct/indirect form. S : But it has a higher value than (b) Disagreement Out of the four alternatives suggested, pounds, shillings and pence. (c) Concerned select the one which best expresses the 6 : It is a thought well worth serious (d) Controvarcial same sentence in indirect/direct form. consideration. Direction [Q. No. 35 to 37]: Four (a) R S P Q (b) Q S P R 42. My father said to me, “Bravo, you alternatives are given for the idiom/ (c) P S R Q (d) S R P Q have done well.” phrases underlined in the sentence. 39. 1 : The object of advertisement, of (a) My father applauded me saying Choose the alternative which best course, is to present goods in the most that I had done well. expresses the meaning of the idiom/ favourable light possible. (b) My father applauded me saying phrase and mark it in the Answer- P : The shopper must expect to get that I have done well. Sheet. only a one-sided view from an (c) My father applauded me saying advertisement. that I did well. 35. There followed an awkward silence Q : Advantages are paraded, but (d) My father applauded me saying after Ram declared his love to her. drawbacks are not mentioned. that you had done well. (a) uncomfortable silence R : This is why the independent 43. The man from the village said, “Alas. I (b) embarrassing silence reports of goods which are made in lost the little money that my father (c) clumsy silence newspapers and magazines are so had given to me.” (d) a period of embarrassment valuable. (a) The man from the village 36. The two women are so jealous of each S : For a more balanced picture he exclaimed with sorrow that he other, that at the drop of hat they must make his own enquiries. had lost the little money that his start insulting each other. 6 : They correct the distortion and so father gave him. (a) when hat falls help the consumer to come to a (b) The man from the village (b) when any one drops a hat reasonable decision. exclaimed with sorrow that he (c) for no reason at all (a) S Q P R (b) R S P Q had lost the little money his (d) on every occasion (c) Q P S R (d) Q P R S father had given to him. 37. Ashwani has made a laughing stock of (c) The man from the village the braggart. Direction : [Q. No. 40 to 41] the exclaimed with sorrow that he (a) foolish sentences have been given in active/ had lost the little money that his (b) laugh passive voice. From the given father would have given him. (c) laughing store–house alternatives, choose the one which best (d) The man from the village told (d)look ridiculous expresses the given sentence in passive/ with sorrow that he had lost the active voice and mark it in the answer- little money that his father had Direction [Q. No. 38 to 39] : The first sheet. and last part of the paragraph are given to him. numbered 1 and 6. The remaining part 40. The accountant took the cheque from Direction [Q. No. 44 to 48]: Read the of the paragraph is split into four parts the customer. passage carefully then answer the and named P, Q, R and S.. The correct (a) The cheque is taken from the following questions which are based on order of the sentences is your answer. customer by the accountant. what is stated or implied in the passage. Choose from the four alternatives the (b) The cheque was taken from the When you buy a new car examine carefully one having the correct order of customer by the accountant. the important features of the model you sentences and make it as your answer (c) The customer was taken the are considering. Many buyers of the latest on the answer sheet. cheque by the accountant. model have got into trouble by buying a (d) The cheque had been taken from new car too broad or too long for garage. the customer by the accountant.

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Furthermore a long car is much harder to in needed, your answer is (d). Blacken in English. If 20% of the students manoeuvre in traffic and much the appropriate oval in the answer- failed in both the subjects, the more difficult to park. Another feature is sheet. percentage of students who passed in the comfort afforded. Are the seats nice both the subjects was and durable ? Is 49. Mr. Kumar sent Arnold a letter to return a)44% b)50% there enough glass to give the driver a good the car by registered post. c)54% d)56% view in all directions particularly to the (a) Mr. Kumar sent Arnold a letter e)None of these rear? It should by registered post asking Arnold 55. A works twice as much as B. If B can be remembered that the heavier and more to return the car. complete a work in 12 days powerful a car is, the more expensive it (b) Mr. Kumar sent by registered independently, the number of days in will be to operate it. High powered motors post to Arnold a letter to return which A and B together can finish the require expensive High-Octane petrol. The the car. work is greater weight means greater tyre wear and (c) Mr. Kumar send Arnold a letter a)4 days b)6 days tear. It is not the initial cost but the upkeep by registered post to return the c)8 days d)18 days which matters. car. e) None of these (d) No improvement 56. Find the area of the triangle formed by 44. The writer favours a car with a wide 50. Covered with grease, the water did not the lines y = x, x = 6 and y =6. glass area so that the driver can: seem unduly cold to the swimmer. a)36 sq units (a) Enjoy the scene outside while (a) As he was covered with grease, b)9 sq units driving. the water did not seem unduly c)18 sq units (b) Have a good view of the rear. cold to the swimmer. d)72 sq units (c) Roll down the glass pans to get (b) As it was covered with grease, 57. If psinx = q, and x is an acute angle, enough fresh air. the water did not seem unduly (d) Display his beautiful interior cold to the swimmer. then p2  q2 . tan x = ? with pride. (c) As it was covered with water, 45. It is very expensive to maintain a large the grease did not seem unduly a)p b)q car because it: cold to the swimmer. p (a) is heavy (d) No improvement c)pq d) (b) requires space for parking. q (c) needs changing its types more QUANTITATIVE APTITUDE 58. If a hollow sphere of internal and frequently external diameters 6 cm and 10 cm (d) needs more petrol. 51. The perimeter of a rectangle is 40 cm respectively is melt in the form of a 46. While buying a car, one should and its length and breadth are in the cylinder of base diameter 8 cm, then specially consider its: ratio of 3 : 2. What is the area of the 2 the height of the cylinder is (a) price re cta n g le (in c m )? a)8.1667 cm (b) maintenance cost a)72 b)98 b)10 cm (c) interior c)84 d)96 (d) brakes. 52. In an examination, a student scores 4 98 47. According to this passage, the two marks for every correct answer and c) cm factors that the buyer of a new car loses 1 mark for every incorrect 16 should keep in mind are: answer. If he attempted 60 questions d)6.125 cm (a) Its price and size. in all and scored 130 marks, the 59. If 2x+ 3y = 11 and xy = 3, find the (b) Its model and interior. number of questions he attempted value of 8x3 + 27y3. (c) Its size and the comfort it offers. correctly was a)727 b)594 (d) Its interior and glass area. a)35 b)38 c)474 d)737 c) 40 d)42 48. The size of the car should be in 2 1 53. The numerator and the denominator of  accordance with 60. If f = t 3  4t 2 , then find the value (a) the money one can afford to pay. a fraction are in the ratio of 2 : 3. If 6 of f, if t = 64. (b) the size of the garage the buyer is subtracted from the numerator, the has. 2 31 (c) they width of the road where the result is a fraction that has value of a) b)16 buyer lives. 3 2 (d) the volume of traffic on road. the original fraction. The numerator 256 33 of the original fraction is Direction: [Q. No. 49 to 50] : Two c) d) a)6 b)18 sentences are given which may need 16 2 c)27 d)36 improvement. Alternatives are given at 54. In an examination, 34% of the students (a), (b) and (c) below which may be a failed in Mathematics and 42% failed better option. In case no improvement

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1 c)14.2 cm d)15.6 cm 74. Three sets of English, Mathematics and 61. of a tank holds 157.5 litres of water.. Science books containing 336, 240, 96 1 books respectively have to be stacked 4 69. Two numbers are respectively 12 % What part of the tank is full if it 2 in such a way that all the books are stored subject-wise and the height of contains 180 litres of water? and 25% more than a third number. The each stack is the same. Total number first number as a percentage of the 1 1 of stacks will be : second number is a) b) a)14 b)21 a)50% b)60% 6 3 c)22 d)48 c)75% d)90% 2 2 75. If B x tan ( θ +1500) = A x tan ( θ - 600), c) d) Directions (70-73): Study the pie-chart 3 7 and table given below and answer the A  B 62. Find the number whose fifth part when questions. then value of is : increased by 4 is equal to its fourth Details of percentage of employees working A  B in various departments in an organization part diminished by 10. sinθ sin2θ a)240 b)260 and number of males among them. a) b) c)270 d)280 Total number of employees = 800, 2 2 63. If twice the son’s age in years be added to the father’s age, the sum is 75, and if cos2θ c) d)0 twice the father’s age is added to the 2 son’s age, the sum is 90. The father’s age is GENERAL AWARENESS a)35 years b)40 years c)45 years d)50 years 76. Match the following 64. Thomas bought an item at a 20% discount List-I on its original price. He sold it with a A. Nalanda University 40% increase on the price he bought it B. Taxila University for. The new selling price is by what C. Saka era percent more than the original price? D. Vikram Era a)7.5% b)8% List-II c)10% d)12% 1. Maurya Dynasty 65. The perimeter of a circle is equal to the 2. Gupta Dynasty perimeter of a square. Then their areas 70. The respective ratio between the number 3. Saka Dynasty are in the ratio of of females working in HR department 4. Kushan Dynasty a)4 : 1 b)11 : 7 to the total number of employees (a) 2 1 4 3 (b) 1 2 3 4 c)14 : 11 d)22 : 7 working in the HR department is (c) 3 4 1 2 (d) 2 3 4 1 2 66. The surface area of a cube is 486 cm . a)7 : 10 b)8 : 17 77. Which among the following is The length of its diagonal is c)8 : 19 d) 5 : 17 incorrectly matched 10 10 71. The percentage of the number of male (a) Deimachos- Ashok employees working in Marketing a) cm b) cm (b) Fahien – Chandragupta II 3 2 department to the total number of (c) Alberuni – Mahmud employees in Marketing department is (d) Meghasthenes – Chandragupta c) 10 2 cm d) 9 3 cm (Approximately) Maurya a)84% b)86% 67. The angle of elevation of the top of a 78. Which among the following correctly c)88% d)91% tower from a certain point is 300. If the matched 72. The percentage of females working in observer moves 40m towards the tower (a) 1565 – Treaty of Purandar IT department to the total number of the angle of elevation of the top of the (b) 1665- Tready of Allahabd employees working in the organization tower increases by 450. The height of (c) 1765- Battle of Talikota is the tower is (d) 1865 – Anglo – Burmese war a)10.25% b)10.75% a)54.6 m b)21.7 m 79. Which among the following leader was c)15.25% d)15.75% c)29.3 m d)27.3 m not among the individual Satyagrahi 73. The ratio of number of males in during Indian national movement: 68. If the area of two similar  ABC and marketing department to the number (a) Acharya Vinoba Bhabe  PQR are 64 cm2 and 121 cm2 of females working in that department (b) Pt. J.L. Nehru respectively, and QR = 15.4 cm, find is (c) Motilal Nehru BC. a)52 : 7 b)52 : 9 (d) Brahma Datt a)13.2 cm b)11.2 cm c)55 : 7 d)55 : 9

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80. Match the following (c) Amiya kumara Padhi (c) Gastrointastial Discorder A. Prairies 1. South America (d) Leela Seth (d) Sneezing B. Veldt 2. South Africa 88. Which two deposits in the following 98. Which disease is known as black death C. Downs 3. North America included in the demand deposits. (a) Plague (b) Hepatitis D. Campus 4. Australia (a) Current and fixed deposits (c) AIDS (d) Dengue fever (a) 3 2 1 4 (b) 3 2 4 1 (b) Current and saving deposits 99. Glucagon secretes by (c) 1 2 3 4 (d) 4 3 2 1 (c) Saving and recurring deposits (a) Alpha Cell 81. Which type of forest belt supplies most (d) Fixed and recurring deposits (b) Beta Cell of the world’s requirement of news 89. Which type of transfer is involved to (c) Gamma Cell print: transfer fund from any bank to any (d) All of these (a) Coniferous forest other b ank branch in the country: 100. Phalanges type of born are found in: (b) Deciduous forest (a) NEFT (a) Palm (b) Finger (c) Evergreen forest (b) RTGS (c) Wrist (d) Arm (d) Mediterranean forest (c) both NEFT and RTGS 82. The greatest average annual precipitation (d) Neither NEFT nor RTGS  is in: 90. Shivaji stadium is in: (a) Hawaii (a) Jaipur (b) Nagpur (b) India (c) Delhi (d) Mumbai EXPLANATIONS (c) Phillipines 91. Ryder cup is involved in which game: 1.c; A perch is a fresh water fish. Cod is salt (d) West Indies (a) golf water fish. 83. Which among the following state is (b) badminton 2.a; Synonym of each other. easternmost (c) horse racing (a) Manipur (d) bull fighting 3.a; 7584 – 2222 = 5362 (b) Nagaland 92. Vikram Sarabhai award is given for 4673 – 2222 = 2451 4.d (c) Mizoram (a) atomic research 5.d; Ecstasy is opposite of Gloom. Similarly, (d) Assam (b) defence research Humiliation is opposite of Exaltation. 84. Match the following (c) space research 6.c; List-I (d) medical research A. Article 99 93. Who has been named as the new B. Article 102 administrator of united nations C. Article 188 development programme (UNDP) D. Article 191 (a) Helen Clarke List-II (b) Antonio Guetterus 1. Oath of members of parliament (c) Achim Steiner 2. Oath of members of state legislature (d) Irina Bokova 3. Disqualification of members of 94. Nokia signed MoU with which two 3 × 3 × 4 > 51 ÷ 3 parliament Indian telecom companies to bring 5G 36 > 17 4. Disqualification of members of state network in india: 7.d; legislature (a) Idea and Airtel (a) 1 3 2 4 (b) 3 1 4 2 (b) Vodafone and Airtel (c) 3 2 4 1 (d) 1 2 3 4 (c) Idea and BSNL 85. Which among the following is a state list (d) Airtel and Bsnl item or subject: 95. Indian American Sunder Pichai is the (a) Census CEO of which computer networking (b) Public health and sanitation system: 8.b; In first figure (c) Insurance (a) Google (d) Marriage and Divorse (b) Yahoo  9 + 5 + 15 + 92  121 nd 86. In the table of precedence which among (c) Microsoft I n 2 figure the following is not equal rank: (d) None of these  16 + 19 + 20 + 24  79 (a) Deputy chairman, Rajya Sabha 96. Which type of iron is most pure in form In 3rd figure  7 + 8 + 9 + 56 = 80 (b) Deputy chairman, NITI Aayog (a) Pig Iron 9.a; All others are different modes of travel. vice chairperson (b) Cast Iron 10.b; (c) Deputy speaker Lok Sabha (c) Wrought Iron (d) Deputy chief minister (d) Hematite 87. First woman chief justice of high court 97. Which among the following is not the is: symptom of typhoid: (a) Meera Sahid Fatima Bibi (a) High Fever (b) Anna Chandi (b) Headache

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Meaningful word all people who like violence watch English movies. 2x  6 2 2x then,   19.a; In each subsequent figure two leaflets 3x 3 3x and two triangle are added. 20.a; Thursday + 9 = Thursday + 7 + 2= 2x  6 4x Thursday + 2 = Saturday or,  11.d; 3x 9x 12.b; There cubes each in the column I and 21.b; 2 2 column II from the left are not seen. or, 18x – 54x = 12x 2 Similarly two cubes each in column III or, 6x = 54x and IV are not seen x = 9 Total number of unseen cubes = 3 + 3 Hence, the numerator of the original + 2 + 2 = 10 fraction = 2x = 2  9 = 18 22.d; Outcast, Outrage, Ovary, Overtake, 13.b; Yellow, Green, red and Blue colours 54. a; n(M) = 34, n(E) = 42, n(M  E) = Overture are on the faces adjacent to Purple. So, 20 23.c; orux/orux/orux/orux Orange colour is opposite to Purple. so, n(M  E) = n(M) +n(E) - n(M 24.c; There is no ‘G’ letter in the given 14.d; E) = 34 +42 – 20 = 56 word. Therefore, the word  percentage of students who failed in STANDING cannot be formed. either or both the subjects = 56 25.d; B  55 hence, the percentage of passed R  21 students = (100 – 56)% = 44% I  57 55. a; ratio of rates of working capacity of A to B = 2 : 1 D  86 so, ratio of time taken = 1 : 2 E  22 (26-28) 1 A’s 1 day’s work = The home of boy was in east direction 26-b; Remove ‘not’ 6 from his school. 27-b; Change ‘receive’ into ‘received’ 15.a; 28-a; Change ‘have read (past participial 1 B’s 1 day’s work = form of the verb)’ into ‘read (past tense 12 of the verb)’ 29. d 30. c 31. a 32. c (A +B)’s 1 day’s work = 33. b 34. d 35. b 36. d  1 1  3 1 37. d 38. a 39. c 40. b      41. d 42. a 43. b 44. b  6 12  12 4 45. b 46. b 47. d 48. b So, A and B together can finish the work 49. a 50. a in 4 days. 51. d; Let the length and breadth be 3x and 56. c; 2x respectively. C is South-West to the D. Now, perimeter = 2(3x + 2x) = 40 16.b; Or, 10x = 40 x = 4 Length = 3x = 3 x 4 = 12 cm Breadth = 2x = 2 x 4 = 8 cm Area of the rectangle = 12 x 8 = 96 cm2 52. b; Let the number of correct questions be x. 17.b; No. of incorrect questions = (60 – x) 1 = 130 Thus, 4x – (60 – x)  x = y is the given equation Or, 4x – (60 – x) = 130 x = 6 Or, 4x – 60 + x = 130 y = 6 Or, 5x = 130 + 60 B = (6, 6) 190 Now, in OAB OA = 6, AB = 6 18.a; Only conclusion I follows. As all x = = 38 English movies are violent, the people 5 1 Area of triangle OAB = x OA x AB who like watching English movies like 2 violence. But it is not necessary that 2x 53. b; Let the fraction be 3x

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67. a; 2 1 3 3 4 = x 6 x 6 sq units = 18 sq units then f = 4  2 64 57. b; 1 33 = 16   2 2 61. d; let the capacity of the tank be x litres. 1 Let AB be the tower and C and D be Then, x = 157.5 the points of observation. 4 Then,  ACB = 300 x = 157.5  4 = 630 ADB = 450 and CD = 40m psinx = q  180 2 Let AB = h q Reqd. Fraction =  sinx = 630 7 AB p Then, = tan 300 62. d; let the number be x. AC AB = p2  q2  1   1  AB 1 Then,  x  4   x 10 Or,   5   4  AC 3 b2  h 2  p2  x AC = AB 3  h 3 Or, = 14 q 20 tan x = 2 2 AB p  q Or, x = 14  20 = 280 Now, in  ABD tan450 = 63. a; let the son’s present age be x years ad DA Or, 2 2 father’s age be y years. p  q .tanx  q Then, 2x + y = 75 ...... i) AB Or, 1 = 58. a; volume of hollow sphere = External 2y + x= 90 ...... ii) DA volume-internal volume Again, solving both equations, we get AB = DA = h y = 35 years. AD = AC - CD 4 4 64. d; let the original price be Rs 100.  π53  π33 3 3 Then, CP = Rs 80 Or, h = h 3 - 40 4 4 140  Or, h 3 - h = 40  π(125  27)  π98 SP = 140% of 80 =  80 =Rs 3 3 100  40  3 1 112 h =   20 3 1m If h be the height of cylinder, then 3 1 3 1 Reqd. % = (112 – 100) = 12%   2 4 65. c; let the radius of the given circle be R = 20 (1.73 + 1) m = 20 (2.73)m = 54.6 π 4  h  π98 m 3 cm and the side of the square be a cm. Then, 2  R = 4a 68. b; 4 98 98 49 R 4 2 h=    = 8.1667   3 16 12 6 a 2π π cm Ratio of their areas = 59. d; we have 2x+ 3y = 11 cubing both sides, πR 2 4 4 14 (2x+ 3y)3= 113 7 2  π 2 = = = Or, 8x3 + 27y3 + 3  2x  3y (2x +3y) a π 22 11 = 1331 14 : 11 Or, 8x3 + 27y3 + 18xy (2x+ 3y) = 1331 66. d; 6a2 = 486 Or, 8x3 + 27y3 = 1331 – 18  3  11 = Or, a2 = 81 737 a = 9 2 1  Diagonal = 3a  9 3cm 60. d; f = t 3  4t 2 put t = 64

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72. b; number of employees in IT A  B 20  2 department = 800 = 160 A  B 100 number of females = 160 – 74 = 86 A  B 1 =  86 A  B 2 reqd. % = 100 = 10.75% 800 sin 900 1 Put in option (a)  since ABC= PQR 73. d; total employees in marketing 2 2   department = 192 area of ABC BC2 males = 165 76. a 77. a 78. d 79. c females = 192 – 165 = 27  2 (by 80. b 81. a 82. c 83. d area of PQR RQ reqd. Ratio = 165 : 27 = 55 : 9 74. a; HCF (336, 240, 96) 84. a 85. b 86. b 87. d theorem) 88. b 89. a 90. c 91. a 2 64 BC 92. c 93. c 94. d 95. a Or,  121 (15.4)2 96. c 97. d 98. a 99. a 100. b 6415.415.4 HCF = 48 Or, BC2 = 121 336  Stacks of English = = 7 815.4 123.2 48 BC =  = 11.2 cm 11 11 240 Vanik Knowledge Garden 69. d; let the third number be x. Stacks of maths = = 5 ’s 48 1 Name of the Bank /Head Office Then the first number = 112 % of x 96 1. Allahabad Bank Kolkata 2 Stacks of science = = 2 48 2. Bank of Baroda Baroda 3. Bank of Maharashtra Pune 9x Total no. of stacks = 7 + 5 + 2= 14 = 4. Bank of India Mumbai 8 75. a; 5. Central Bank of India Mumbai 0 6. Canara Bank Bangalore 5x B tan(θ 150 ) 7. Dena Bank Mumbai Second number = 125% of x = 0 8. Indian Bank Chennai 4  A  tan(θ  60 ) 9. Indian Overseas Bank Chennai 10. Punjab National Bank New 9x 4 0   A tan(θ 150 ) Delhi Reqd. % =   100 = 11. Syndicate Bank Manipal 8 5x  0   B tan(θ - 60 ) 12. Union Bank of India Mumbai 90% 13. United Commercial Bank (UCO Bank) 70. a; number of employees in HR Put θ  900 Kolkata 14. United Bank of India Kolkata 5 A tan(900 1500 ) 15. Andhra Bank Hyderabad department = 800 = 40 16. Corporation Bank Mangalore 100  0 0 B tan(90 - 60 ) 17. Oriental Bank of Commerce New Delhi number of females = 40 – 12 = 28 18. Punjab and Sindh Bank New Delhi ratio = 28 : 40  7 : 10 tan(1800  600 ) tan 600 19. Vijaya Bank Bangalore 71. b; number of employees in marketing =  20. IDBI Bank Ltd Mumbai tan 300 tan 300 21. ECGC (The Export Credit 24 Guarantee Corporation of department = 800 = 192 A 3 India Ltd) Mumbai 100  B 1 165 reqd. Percentage = 100 = A  B 4 192 Then,  86% A  B 2

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REASONING ABILITY 4. A group of interconnected pieces is given. Suppose you were able to rotate the pieces, so that neighbouring sides aligned Directions (1-2): Each of the questions consists of figures flatly, then find the answer figure out of the answer choice marked 1, 2, 3, 4 and 5 named as the problem figures and is figures that can be formed by joining the pieces given in the followed by five answer figures marked (a), (b), (c) and (e). question figure. Select a figure from the answer figures which will continue the series as established by the five problem figures. 1.

Directions (5-6): In the following questions, a series is given, with one term missing. Choose the correct alternative from the given ones that will complete the series. 5. 1, 2, 2, 4, 3, 8, 7, 10, ? a) 9 b)8 c) 11 d) 13 2. 6. 2B, 4C, 8E, 14H, ? a) 22L b) 16K c) 20L d) 23 L Directions (7-8): In the following questions, one or two statements is given followed by two conclusions I and II. You have to consider the statement to be true, even if it seems to be at variance from commonly known facts. You are to decide which of the give conclusions can definitely be drawn from the given statement. Indicate your answer. 7. Statements: I. All poets are daydreamers. II. All painters are daydreamers. Conclusions: I. All painters are poets. II. Some daydreamers are not painters. a) Only I follows Directions (3): In the following questions, choose the correct b) Only II follows mirror image from the answer figures (a), (b), (c) and (d). c) Neither I nor II follows 3. d) Both I and II follow 8. Statements: I. Some men are good. II. Some men are wise. Conclusions: I. Some wise men are good. II. Some good men are wise. a) If I alone can be drawn

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b) If both I and II can be drawn Directions (16): In the following questions, group the given c) If II alone can be drawn fi9gures into different classes on the basis of their d) if both I and II cannot be drawn orientations, shape etc. 9. If A is B’s sister, C is B’s mother, D is C’s father and E is D’s mother, then how is A related to D? 16. a) Granddaughter b) Daughter c) Aunt d) Father 10. Present age of Vinay is 8 yr less than Anu’s present age. If 3 yr ago Anu’s age was x, then which of the following represents Vinay’s present age? a) (x + 3) yr b) (x - 5) yr c) (x -3+8) yr d) (x + 3 +8) yr 11. Select the missing number from the given responses.

a) 40 b) 30 a) (1, 5, 7), (2, 3, 8), (4, 6, 9) c) 20 d) 10 b) (3, 7, 6), (1, 8, 4), (2, 5, 9) 12. A clock is showing 2: 00 pm. If the hour hand is in North-East c) (1, 4, 9), (2,5, 6), (3, 7, 9) direction. Then, what will be the direction of hour hand, when d) (1, 2, 6), (3, 4, 5), (7, 8, 9) the time of clock becomes 9 : 30 pm? Directions (17): In the question given below an unfolded dice a) North-West b) South-West is given in the left side while in the right side, four answer c) North-east d)South-East choices are given in the form of complete dices. You are 13. How many such pairs of letters are there in the word required to select the correct answer choice(s) which is/are ‘SOUTHERN’ each of which has as many letters between formed by folding the unfolded dice. them as in the English alphabet? a) None b) One 17. c) Two d) Three 14. A bigger cube of 3 inch side is formed by keeping together smaller cubes of 1 inch side. All the faces of this bigger cube is painted red. When the bigger cube is divided into original smaller cubes, then how many smaller cubes have two faces painted? a) 4 b) 8 c) 12 d) 0 a) I and II b) II and III c) I and III d) II and IV Directions (15): In the following questions, a piece of paper is folded in the manner shown in the question figure(s). Select Directions (18): In the following questions, find the figure the figure out of the answer choice showing the unfolded out of the answer choices figures, that can be formed by joining appearance after the cut. the pieces given in the question figure. 15. 18.

19. Which of the following diagrams best represents the relationship among Uttar Pradesh, Kanpur, Jaipur?

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20. If ‘GERMANY’ is written as ‘7, 5, 18, 13, 1, 14, 25’, how can (d) ‘Luck is ever waiting.’ ‘FRANCE’ be written in that code? 27. Which pair of words means the same thing? a) 6, 18, 1, 14, 3, 5 b) 6, 3, 18, 14, 1, 5 (a) Labour and industry c) 8, 2, 14, 5, 13, 6 d) 8, 16, 14, 3, 1, 5 (b) Industry and legacy 21. In a certain language, ‘sun shines brightly’ is written as ‘ba lo (c) Diligence and legacy sul’, ‘houses are brightly lit’ as ‘kado ula ari ba’ and ‘light (d) Legacy and labour comes from sun’ as ‘dopi kup lo ma’. What are the code 28. Which one of the following, statements sums up the meaning words for ‘sun’ and ‘brightly’? of the passage? a) ba, sul b) sul, lo (a) Luck waits and complains without working while labour c) lo, ba d) ba, lo achieves success although it complains. 22. N is more intelligent than M, M is not as intelligent as Y. X is (b) Luck is self indulgent, but labour is selfless. more intelligent than Y but not as good as N. Who is the most (c) Luck often ends in defeat but labour produces luck. intelligent of all? (d) Luck waits without exertion, but labour exerts without a) N b) M waiting. c) X d) Y 29. ______Labour turns out at six and with busy pen and ringing 23. In a class of 45 students, a boy is ranked 20th. When two boys hammer lays the foundation of competence. What does this joined, his rank was dropped by one. What is his new rank statement mean? from the end? (a) Labour lays the foundation of the building. a) 25th b) 26th (b) The writer and the labourer are the true eyes of the c) 27th d) 28th society. (c) There is no worker who works so hard as the labourer Directions (24-25): Read the following information carefully who begins his day at six in the and then answer the questions given below. morning. Seven boys A, B, C, D, E, F and G are standing in a line. (d) Hard work of all kinds makes people different. I. G is between A and E. 30. Which one of the statements is true about the passage? II. F and A have one boy between them. (a) Success depends only on hard luck. III. E and C have two boys between them. (b) Expectation of good luck always meets with IV. D is to the immediate right of F. disappointment. V. C and B have three boys between them. (c) Success is exactly proportionate to hard work. 24. Who is second from left? (d) Luck is necessary for success. a) C b) G Direction (Q. 31-33): In the following questions, some parts c) E d) A of the sentences have errors and some are correct. Find out 25. C is standing between which part of a sentence has an error. The number of that a) A and F b) D and G part is your answer. If a sentence is free from error, then your c) A and D d) F and G answer is (d) i.e. No error. ENGLISH LANGUAGE 31. When one hears of the incident (a)/about the plane crash (b)/ he feels very sorry.(c)/ No error (d) Direction (Q. No.26-30) : Read the passage carefully and 32. I went there (a)/with a view of survey (b)/the entire choose the most appropriate answer to each question out of procedure.(c)/ No error (d) the four alternatives. 33. It had laid (a)/in the closet (b)/for a week before we found It is not luck but labour that makes good luck, says an American it.(c)/ No error (d) author, is ever waiting for something to turn up; labour with keen eyes and strong will power turns up something. Luck lies in bed Direction (Q. No.34-36) : In the following questions, sentences and wishes the postman would bring him news of a legacy, labour are given with blanks to be filled in with an appropriate word. turns out at six and with busy pen and ringing hammer lays the Four alternatives are suggested for each question. Choose foundation of competence. Luck whines, labour watches, luck relies the correct alternative out of the four. upon chance, labour upon character. Luck slips downwards to self-indulgence; labour strides upwards and aspires to 34. There are not solitary, free living creatures; every form of life is independence. The conviction, therefore, is extending that diligence ______other forms. is the mother of good luck. In other words, a man’s success in life (a) dependent on will be proportionate to his efforts, to his industry to his attention (b) parallel to to small things. (c) overshadowed by (d) segregated from 26. Which one of the following words in the passage indicates that 35. I will take ______now as I have another’s appointment the writer does not ultimately reject the element of luck? somewhere else. (a) ‘Luck whines’ (a) departure (b) my leave (b) ‘Diligence is the mother of good luck’ (c) permission (d) leave from work (c) ‘Luck wishes the postman would bring him news’. 96 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

36. A garden knife is ______used for right pruning. Direction (Q. No.45-46) : In the following questions, four (a) generally (b) compulsorily words are given in each question, out of which only one word (c) systematically (d) daily is correctly spelt. Find the correctly spelt word. Direction (Q. No.37-38) : In the following questions, out of 45. (a) Revolutionize (b) Revoulutionize the four alternatives, choose the one which best expresses (c) Revvolutionize (d) Reevolutionize the meaning of the given word that is your answer. 46. (a) Disentry (b) Dysentry (c) Diesentry (d) Dysentery 37. VENAL (a) Corrupt (b) Comprehensible Direction (47-48): In these questions out of the four (c) Legible (d) Forgivable alternatives choose the one which can be substituted for the 38. AMELIORATE given words/sentence. (a) Improve (b) Degrade (c) Motivate (d) Agree 47. A person who attends to the diseases of the eye is an a) Oculist b) Optimist Direction (Q. No.39-40) : In the following questions, out of c) Obstetrician d) Optician the four alternatives, Choose the word that is opposite in 48. The study of worms and insects meaning to the given word. a) Taxidermy b) Entomology c) Ornithology d) Paleontology 39. AMORPHOUS (a) Amoral (b) Definite Direction (Q. No. 49-50): In the following questions, a sentence (c) Perfect (d) Irregular has been given in Active/Passive Voice. Out of the four 40. ADULTERATION alternatives suggested, select the one which best expresses (a) Purification (b) Normalization the same sentence in Passive/Active Voice. (c) Rejuvenation (d) Consternation 49. They will laugh at you. a) You will have been laughed at by them. Direction (Q.No.41–42): In the following questions, a part of b) You can be laughed at by them. sentence is printed in BOLD. Below are given alternatives to c) You may be laughed at by them. the bold part a, b and c which may be improved the sentence. d) You will be laughed at by them. Choose the correct alternative in case no improvement is 50. Trespassers shall be prosecuted. needed your answer is d. a) The authorities might prosecute trespassers. b) The authorities can prosecute trespassers. 41. If you were the Prime Minister of India what steps would you c) The authorities shall prosecute trespassers. have taken to end unemployment? d) The authorities may prosecute trespassers. (a) will you take (b) will you be taking (c) would you take (d) No improvement QUANTITATIVE APTITUDE 42. A high school student is not even understanding the basics of Chemistry and Physics. 51. X purchased an item at a discount of 10% and sold it to Y at (a) does not understand even. 10% profit. The marked price for X and the price for which Y (b) was not even understanding. purchased the item are in ratio. (c) has even not understood. a)1 : 1 b) 10 : 99 (d) No improvement. c) 20 : 99 d) 100 : 99 52. If 12 men or 24 boys can do a work in 66 days, the number of Direction (Q.No.43–44): In the following questions, four days in which 15 men and 6 boys can do it is alternatives are given for the Idiom/Phrase printed in bold in a)44 b)33 the sentence. Choose the alternative which best expresses c) 55 d) 66 the meaning of the Idiom/Phrase. 53. If p3 + 3P2+ 3P = 7, then the value of P2 +2P is 43. I tried to feel his pulse on the issue, but in vain. a)4 b)3 (a) find his views c) 5 d) 6 (b) enlighten him 54. If sin ( θ +180) = cos 600 (0 < θ < 900), then the value of cos (c) argue with him 5 is (d) guide him θ 44. For this act of indifference he will be taken to task by the 1 authority. a) b)0 (a) he will get an official reprimand from the authority. 2 (b) he will be rewarded by the authority (c) he will tender his resignation to the authority. 1 c) d)1 (d) he will be entrusted with an official job. 2

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55. The measure of the angle between the internal and external 65. If the average of m numbers is n2 and that of n numbers is m2, bisector of an angle is then the average of (m +n) numbers is a)600 b)700 c) 800 d)900 m a) b)mn 56. In a division sum, the divisor is 3 times the quotient and 6 n times the remainder. If the remainder is 2, then the dividend is a)36 b) 28 c)m – n d)m + n c) 50 d) 48 66. The side BC of the triangle ABC is produced to D. If  ACD 57. If x, y, z are three sums of money such that y is the simple interest on x and z is the simple interest on y for the same 3 = 1120 and ABC = BAC , then the ABC is equal time and at the same rate of interest, then we have  4  2 2 2 a)x = yz b)y = zx c)z = xy d)xyz = 1 to 58. Two trains, of same length are running in parallel tracks in the a)680 b)580 same direction with speed 60 km/hour and 90 km/hour c)480 d)380 respectively. The latter completely crosses the former in 30 s. The length of each train (in metres) is 67. If x = 3  2 and y = 3  2 , then the value of 8xy a)100 b)115 (x2 + y2) is c)125 d)150 59. The total number of prime factors in (25)10  (24)20  (26)25 is a)16 6 b)32 a)1000 b)120 c)150 d)140 c)48 2 d)80 60. A solid iron sphere of diameter 6 cm is melted and made to a 68. The sum of two numbers is 528 and their HCF is 33. How hollow cylindrical pipe of external diameter 10 cm and of many pairs of such numbers can be ? length 4 cm. The thickness of the pipe is a)1 b)2 a)1 cm b)2 cm c)3 d)4 c)3 cm d)4 cm 69. A vertical pole and a vertical tower are standing on the same 61. If the base of a right prism of 20 cm high is a rhombus whose level ground. Height of the pole is 10 m. From the top of the diagonal are 14 cm and 18 cm, then the volume in cm3 of the pole the angle of elevation of the top of the tower and angle of prime will be depression of the foot of the tower are 600 and 300 respectively. a)2520 b)2250 The height of the tower is c)3520 d)1250 a)20 m b)30 m c) 40 m d)50 m 1  7 4   2 4  3 2 62. The value of          of is 1 2  8 5   3 5  4 5 70. (42  229)  (9261) 3 is equal to 1 2 a)448 b)452 a) b) c)456 d)458 3 3 1 3 3 71. Monthly, Aditya spends part of his money as pocket money c) d) 5 4 5 4 63. In a particular type of alloy the ratio of lead to tin is 5 : 6. The and of the remainder in other affairs. If he is left with Rs amount of lead should be added to 12.1 kg of this material to 5 make the ratio 1 : 1 is 48 per month, what is his monthly income? a)1.1 kg b) 1 kg a)Rs 360 b)Rs 400 c) 0.9 kg d) 1.5 kg c)Rs 320 d)Rs 300 x Direction (Q. Nos. 72-75) Study the following pie chart and 64. If 2x+ 3y : 3x + 5y = 18 : 29, then y is equal to answer the following questions. Percent wise distribution of teachers in six different universities 3 4 a) b) 4 3 2 5 c) d) 3 6

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(c) Telengana (d) Kerala 82. Andhra Pradesh was carved out of Madras states in the year. (a) 1953 (b) 1955 (c) 1960 (d) 1962 83. The contingency fund of the state is operated by- (a) Governor (b) State Finance Minister (c) C.M (d) All of the above 84. The Odisha legislative Assembly has the following number of member (a) 145 (b) 147 (c) 150 (d) 10 85. Atmospheric pressure is measured with a (a) hydrometer (b) barometer (c) hygrometer (d) altimeter 86. Who discovered neutrons? (a) Rutherford (b) Chadwick (c) Bohr (d) Einstein 72. If one-thirty sixth of the number of teachers from university F 87. The Science of Vegetable culture is known as is professors and the salary of each professor is 96000, what (a) Agriculture (b) Horticulture will be the total salary of all the professors together from (c) Arbori Culture (d) Floriculture university F? 88. Cotton fibre is rooted from (a) Rs 307.2 lakh (b)Rs 32.64 lakh (a) Leaf (b) Root (c) Rs 3.072 lakh (d) None of the above (c) Stem (d) Seed 73. What is the average of teachers in university A, university C, 89. Epilepsy is a disease of the university D and university F together? (a) Skin (b) Nervous system (a) 854 (b) 3546 (c) Heart (d) Respiratory system (c) 3456 (d) None of these 90. The major constituent of Portland cement include 74. If twenty five per cent of the number of teachers in university (a) Lime, silica and iron oxide C is female, what is the number of male teachers in university (b) lime, silica and magnesia C? (c) silica, alumina and magnesia (a) 922 (b) 911 (d) lime, silica, and almina (c) 924 (d) 912 91. Which gases is lighter than air? 75. Number of teachers in university B is approximately, what per (a) carbon dioxide (b) oxygen cent of the total number of teachers in university D and (c) ammonia (d) Chlorine university E together? 92. The element nickel is a (a) 55% (b) 59% (a) magnetic metal (b) radioactive metal (c) 49% (d) 45% (c) complex metal (d) non magnetic metal GENERAL AWARENESS 93. The difference between a musical sound and noise lies in (a) intensity (b) pleasantness 76. Fort William college was started in Calcutta in the year. (c) wavelength (d) pitch (a) 1800 (b) 1801 94. In which country first official family planning programme was (c) 1805 (d) 1900 (a) USA (b) UK 77. The Sharda Act 1929, which proposed to fix the minimum age (c) China (d) India of marriage for female and male? 95. What is the percentage of India’s population to the word (a) 14 and 18 (b) 12 and 16 population? (c) 18 and 21 (d) 7 and 9 (a) 6% (b) 17% 78. Who succeeded Lord Linlithgow as the Viceroy of India in (c) 26% (d) 36% 1943 96. Who amongst the following is not a painter? (a) Lord Chemsford (b) Lord Irwin (a) M.F.Husain (b) Sonal Mansingh (c) Lord Elgin (d) L. Wavell (c) Ram Kumar (d) B. Prabha 79. In which state is Sirohi National Park located? 97. The Cannes Award is given for excellence in which of the (a) Rajasthan (b) Uttarakhand following fields? (c) Odisha (d) Manipur (a) Literature (b) Films 80. One area in which peaty soil is found is (c) Journalism (d) Economics (a) Kashmir Valley (b) Madhya Pradesh 98. With which game is Ashok Shandilya associated? (c) Uttarakhand (d) Rajasthan (a) Billiards (b) Golf 81. Agasthyamali biosphere reserve located at Which state? (c) Hockey (d) Badminton (a) Tamil Nadu (b) Karnataka

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99. The famous book ‘ The Daughter of the East’ is written by 7.c; (a) Ms. Benazir Bhutto (b) Ms. Taslima Nasreen (c) Ms. Aungsan Suu. Kyi (d) Ms. Bandarnaike Sirimavo 100. Which of the following is a military alliance? (a) ASEAN (b) NAFTA (c) NATO (d) EEC

 8.d;

EXPLANATIONS

1.a; Diagrams are moving as follows 9.a; Let us draw a family diagram from the given information, as follows

Now, it is clear that A is the granddaughter of D. 10.b; 3yr ago Anu’s age x yr. So, Anu’s present age will be (x + 3) yr. Problem figure (1) to (2) Then, present age of Vinay = (x + 3 – 8) = (x - 5) yr. Problem figure (3) to (4) 11.b; As, in first figure, Problem figure (5) to answer figure 2.a; From problem figure (1) to (3) and (3) to (5) letter come two place left and other letters have been written in same order. Similar rule follows from problem figure (2) to (4) and (4) to answer figure. 3.c; 4.c; (5-6) 5.c; The pattern of the series is

So, the next term will be 11. 6.a; Pattern of given alpha-numeric series is as follows

12.a; At 2 : 00pm, the hour hand points towards the North-East direction.

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20.a; Letters are coded with their corresponding positions As,

13.c; Let us see

So, letter pairs are SU and TU. Hence, option (c) is the correct answer 21.c; 14.c; As we know that, when all the faces of a cube are painted with a single colour, then smaller cubes with only two faces painted are the middle cubes present at the edges. Number of middle cubes = 12 (n – 2) = 12 (3 – 2) = 12 × 1 = 12 (here, n = 3) 15.c; 16.b; 3, 7 and 6 form a group of figures which are divided into three unequal parts. 1, 8 and 4 form a group of figures which are divided into three equal parts. 2, 5 and 9 form a group of figures in which the figures are 22.a; According to the question, divided into three parts in such a way that one part is half and N > M the other two parts are one-fourth of the original figure. Y > M 17.a; According to the question, N > X > Y On arranging the above data, we get N > X > Y > M So, N is the most intelligent among them. 23.c; Total number of boys after 2 new boys joined = 47 Since, the rank of the boy dropped by 1, it became 21st from 20th. His new rank from the end = 47 – 21 + 1 = 27th (24-25)

So, two blank faces of unfolded dice is opposite to another two blank faces. 24.c; Clearly, e is second from left. 25.a; Clearly, C is standing between A and F. 26. b 27. a 28. a 29. d 30. c (31-33) 18.b; 31-b; Use ‘a’ in place of ‘the’ 19.c; Kanpur is a city in the state of Uttar Pradesh while Jaipur is 32-b; Use ‘surveying’ in place of ‘survey’ as “ing” form must be entirely different as it is a city in Rajasthan. This can be used with the phrase with a view to. expressed as given in option(c). 33-a; Use ‘had been lying’ in place of ‘had laid’ 34. a 35. b 36. d 37. a 38. a

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39. b 40. a 41. c 42. a 43. a 2  COX + 2  COY =  AOC +  BOC 44. a 45. a 46. d 47. a 48. b 2 COX + 2 COY = AOB 49. d 50. c    51. d; 2  XOY =  AOB (  AOB is a linear pair) = 1800 let the MP be Rs 100. 2  XOY = 1800 SP for x = (100 – 10)% of 100 = Rs 90 1800 110 XOY = = 900 SP for y = (100 + 10)% of 90 = 90 = 99  100 2 56. c; remainder = 2 Reqd. Ratio = 100 : 99 divisor = 6 2 = 12 52. a; 12 men = 24 boys  1 man = 2 boys and quotient = 12  3 = 4 dividend = Divisor Quotient + Remainder = 412 + 2 = 50 6 Then, 15 men and 6 boys = 15 men + men = 18 men Pr t 2 57. b; using the formula SI = 100 12 men do a work in 66 days 1 man will do a work = 12 x 66 xrt y = ...... (i) 1266 100 18 men will do a work = = 44 days 18 3 2 yrt 53. b; P +3P +3P = 7 and z = ...... (ii)  P3 + 3P(P +1) = 7 100 Adding 1 both sides, we get dividing Eq (i) from Eq (ii)  P3 + 3P(P+1) +1 = 7+1 y x 3   (P+1) = 8 z y  (P+1)3 = 23 y2 = xz If the exponents are same, then comparing the base, we get 58. c; let the length of both the trains be x m. Then, relative speed  P + 1 = 2 of the trains = 90 – 60 = 30 km/h  P = 2 – 1 = 1 2 2 5 25 P +2P = (1) + 2(1) = 30 m/s  m/s = 1 + 2 = 3 18 3 54. a; Here, sin ( θ +180) = cos600  sin( θ +180) = sin (900 – 600) Distance 0 0 Now, using formula speed =  sin ( θ +18 ) = sin 30 Time  θ +180 = 300 θ = 300 – 180 = 120 25 2x  1 3 30 cos 5 = cos (5 x 120) = cos 600 = θ 2 x = 125 m 59. c; given expression is 55. d; OX is the internal bisector of  AOC. (25)10  (24)20  (26)25  AOC = 2  COX = (52)10  (23  3)20  (13  2)25 OY is the external bisector of  BOC. =520  260  320  1325  225 =285  320  520  1325 Number of prime factors in given expression =85 + 20 + 20 +25 = 150 60. a; let internal radius of pipe be r cm. Volume of sphere = volume of pipe 4  (3)3   (52  r 2 ) 4 3  BOC = 2  COY  49  (25  r 2 ) 4 Adding Eqs. (i) and (ii) , we get

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 25  r 2  9  r 2 16  r  4 mn(m  n) average of (m +n) numbers = = mn Thickness of the pipe m  n = external radius - internal radius = 5 – 4 = 1 cm 66. c;  ABC +  BAC =  ACD 1 1 61. a; area of base of rhombus = d d = 1418 = 126 2 1 2 2 volume of prism = area of base x height = 126 x 20 = 2520 3 c m 1  7 4   2 4  3 2 62. b;          of 2  8 5   3 5  4 5 3 1 7 5 3 1 5 3 5 4 2  BAC + BAC = 1120 =    1      4 2 10 6 10 2 6 2 6 6 3 63. a; in the alloy, 7   BAC = 1120 5 4 quantity of lead = 12.1 = 5.5 kg 11  BAC = 640 3 3 6 0 and quantity of tin = 12.1 = 6.6 kg  ABC =   BAC = 64 = 48 11 4 4 let required quantity of lead be x kg. 67. d; x = 3  2 Then, = 5.5 + x = 6.6 y = 3  2 = x = 1.1 kg xy =  3  2 3  2 3 2 1  x  2   3 =3 – 2 = 1   2 2 2x  3y 18 y 18 and x + y =      64. a; 3x  5y 29  x  29 = 3 2  2 6  3 2  2 6 =10 3   5   2 2  y  Hence, 8xy (x + y ) = 8  1  0= 80 68. d; let both the numbers are 33a and 33b. Then, 33a + 33b = 528 x  m a + b = 16 Let y Hence, values of (a, b) can be (1, 15), (3, 13), (5, 11) and (7, 9). 2m  3 18 Hence, required number of pairs is 4. Then,  69. c; let AB be the height of a tower. 3m  5 29 = 58m + 87= 54 m +90 4m = 3 3 m = 4 x 3  y 4 65. b; average of m numbers = n2 sum of m numbers = mn2 BE BE average of n numbers = m2 In  ECB, tan 600 =  3  similarly, sum of n numbers = nm2 CE CE 2 2 sum of (m +n) numbers = mn + nm = mn(m +n) BE = 3 CE ...... i)

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x = 300 CD 72. d; no. of professor from university F is In  ACD, tan 300 = AD 18 1   1 10 = 6400  100 36 3 CE each professor get salary = 96000 total salary of all professors from university F CE = 10 3 18 1 = 6400  96000  3072000 = 30.72 Putting CE = 10 3 in Eq. (i), we get 100 36 lakh BE = 3 10 3 103  30m 73. d; average teachers in university A, C, D and F together is Height of a tower = BE + EA = BE + CD = 30 +10 = 40 m 6400(11% 19%  6% 18%) 1 70. d; 42 229 (9261) 3 4

( 640054% 54 1 42 229)  21 =  6400   864 4 100 4 42 229 74. d; 25% no. of teachers in university C is female. 21 Then, 75% of teacher of university is male. 2 229  458 75 19 Then male teachers in university is =  6400 71. d; let aditya’s monthly income = x 100 100 money spend for pocket money = 912 1 x 75. c; No. of teachers in university B =  x  5 5 17 = 6400 x 5x  x 4x 100 now money left = x    No. of teachers in university D and E together is (6 +29)% of 5 5 5 6400 He spend money for other affairs 35 4x 4 16x = 6400 =   100 5 5 25 17 35 x 16x Let 6400 = x% of 6400   100 100 Money left now = x     5 25  x 1764  3564 5x 16x 100 x     25  1764100  x   48.571  49% 21x 3564 x  25 76. b 77. a 78. d 79. d 80. c 25x  21x 4x 81. d 82. a 83. a 84. b 85. b  86. b 87. c 88. d 89. b 90. d 25 25 91. c 92. a 93. d 94. d 95. b 4x 96. b 97. b 98. a 99. a 100. c According to question  48 25  25  48  300 4

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LIST OF COUNCIL OF MINISTERS Shri Narendra Modi Prime Minister and also in-charge of:  Ministry of Personnel, Public Grievances and Pensions;  Department of Atomic Energy;  Department of Space; and  All important policy issues, and  All other portfolios not allocated to any Minister.

Minister of Home Affairs. Raj Nath Singh Minister of External Affairs. Sushma Swaraj Minister of Finance, Ministry of Defence and Minister of Corporate Affairs Arun Jaitley Minister of Road Transport and Highways; and Minister of Shipping. Nitin Jairam Gadkari Minister of Railways Suresh Prabhu Minister of Statistics and Programme Implementation. D.V. Sadananda Gowda Minister of Water Resources, River Development and Ganga Rejuvenation. Uma Bharati Minister of Consumer Affairs, Food and Public Distribution Ramvilas Paswan Minister of Micro, Small and Medium Enterprises Kalraj Mishra Minister of Women and Child Development Maneka Sanjay Gandhi Minister of Chemicals and Fertilizers; and Minister of Parliamentary Affairs Ananthkumar Minister of Law and Justice; and Minister of Electronics and Information Ravi Shankar Prasad Technology Minister of Health and Family Welfare Jagat Prakash Nadda Minister of Civil Aviation Ashok Gajapathi Raju Pusapati Minister of Heavy Industries and Public Enterprises. Anant Geete Minister of Food Processing Industries Harsimrat Kaur Badal Minister of Rural Development; Minister of Panchayati Raj; and Narendra Singh Tomar Minister of Drinking Water and Sanitation, Minister of Urban Development* Minister of Steel Chaudhary Birender Singh Minister of Tribal Affairs Jual Oram Minister of Agriculture and Farmers Welfare Radha Mohan Singh Minister of Social Justice and Empowerment Thaawar Chand Gehlot Minister of Textiles, Information and Broadcasting* Smriti Zubin Irani Minister of Science and Technology; and Minister of Earth Sciences Dr. Harsh Vardhan Minister of Human Resource Development Prakash Javadekar

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MINISTERS OF STATE (INDEPENDENT CHARGE)

Minister of State (Independent Charge) of the Ministry of Planning; Rao Inderjit Singh Minister of State in the Ministry of Urban Development; and Minister of State in the Ministry of Housing and Urban Poverty Alleviation Minister of State (Independent Charge) of the Ministry of Labour and Bandaru Dattatreya Employment Minister of State (Independent Charge) of the Ministry of Skill Rajiv Pratap Rudy Development and Entrepreneurship. Minister of State (Independent Charge) of the Ministry of Youth Affairs and Vijay Goel Sports; and Minister of State in the Ministry of Water Resources, River Development and Ganga Rejuvenation Minister of State (Independent Charge) of the Ministry of Ayurveda, Yoga Shripad Yesso Naik and Naturopathy, Unani, Siddha and Homoeopathy (AYUSH) Minister of State (Independent Charge) of the Ministryof Petroleum and Dharmendra Natural Gas Pradhan Minister of State (Independent Charge) of the Ministry of Power; Minister Piyush Goyal of State (Independent Charge) of the Ministry of Coal; Minister of State (Independent Charge) of the Ministry of New and Renewable Energy; and Minister of State (Independent Charge) of the Ministry of Mines. Minister of State (Independent Charge) of the Ministryof Development of Jitendra Singh North Eastern Region; Minister of State in the Prime Minister’s Office; Minister of State in the Ministry of Personnel, Public Grievances and Pensions; Minister of State in the Department of Atomic Energy; and Minister of State in the Department of Space Minister of State (Independent Charge) of the Ministry of Commerce and Nirmala Sitharaman Industry. Minister of State (Independent Charge) of the Ministry of Culture; and Mahesh Sharma Minister of State (Independent Charge) of the Ministry of Tourism Minister of State (Independent Charge) of the Ministry of Communications; Manoj Sinha and Minister of State in the Ministry of Railways Minister of State (Independent Charge) of the Ministry of Environment, Dr. Harsh Vardhan Forest and Climate Change Minister of State (Independent Charge) of the Ministry of Minority Affairs; Mukhtar Abbas Naqvi and Minister of State in the Ministry of Parliamentary Affairs

FOUNDER OF IMPORTANT e-COMMERCE Paytm Vijay Shankar Sharma Zomato Deepinder Goyal & Pankaj Chadha Flipkart Sachin & Binny Bansal Shopclues Sanjaya Sethi In mobi Naveen Tiwari Jabong Pravin Sinha Snapdeal Kunal Bahl & Rohit Bansal Quikr Pranay Chulet OLA Cabs Bhavish Aggarwal Amazon Jeff Bezos

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MINISTERS OF STATE

Minister of State in the Ministry of Micro, Small and Medium Enterprises Haribhai Parthibhai Chaudhary Minister of State in the Ministry of Rural Development. Ram Kripal Yadav Minister of State in the Ministry of Social Justice and Empowerment Ramdas Athawale Minister of State in the Ministry of Agriculture and Farmers Welfare; and S.S. Ahluwalia Minister of State in the Ministry of Parliamentary Affairs. Minister of State in the Ministry of External Affairs General (Retd.) V.K. Singh Minister of State in the Ministry of Finance Santosh Kumar Gangwar Minister of State in the Ministry of Health and Family Welfare Faggan Singh Kulaste Minister of State in the Ministry of Micro, Small and Giriraj Singh Medium Enterprises Minister of State in the Ministry of Home Affairs Hansraj Gangaram Ahir Minister of State in the Ministry of Drinking Water and Ramesh Chandappa Sanitation Jigajinagi Minister of State in the Ministry of Railways Rajen Gohain Minister of State in the Ministry of Agriculture and Parshottam Rupala Farmers Welfare; and Minister of State in the Ministry of Panchayati Raj Minister of State in the Ministry of External Affairs. M. J. Akbar Minister of State in the Ministry of Human Resource Development Upendra Kushwaha Minister of State in the Ministry of Road Transport and Radhakrishnan Highways; and Minister of State in the Ministry of Shipping Minister of State in the Ministry of Home Affairs Kiren Rijiju Minister of State in the Ministry of Social Justice and Empowerment Krishan Pal Minister of State in the Ministry of Tribal Affairs Jaswantsinh Sumanbhai Bhabhor Minister of State in the Ministry of Water Resources, Dr. Sanjeev Kumar River Development and Ganga Rejuvenation Balyan Minister of State in the Ministry of Steel. Vishnu Deo Sai Minister of State in the Ministry of Agriculture and Farmers Welfare Sudarshan Bhagat Minister of State in the Ministry of Science and Y.S. Chowdary Technology; and Minister of State in the Ministry of Earth Sciences Minister of State in the Ministry of Civil Aviation Jayant Sinha Minister of State in the Ministry of Information and Broadcasting Col. Rajyavardhan Singh Rathore Minister of State in the Ministry of Heavy Industries and Public Enterprises Babul Supriyo Minister of State in the Ministry of Food Processing Industries Sadhvi Niranjan Jyoti Minister of State in the Ministry of Social Justice and Empowerment Vijay Sampla Minister of State in the Ministry of Finance; and Arjun Ram Meghwal Minister of State in the Ministry of Corporate Affairs Minister of State in the Ministry of Human Resource Development Mahendra Nath Pandey Minister of State in the Ministry of Textiles Ajay Tamta Minister of State in the Ministry of Women and Child Development Krishna Raj Minister of State in the Ministry of Road Transport and Mansukh L. Highways; Minister of State in the Ministry of Shipping; and Minister of State in the Mandaviya Ministry of Chemicals and Fertilizers. Minister of State in the Ministry of Health and Family Welfare Anupriya Patel Minister of State in the Ministry of Consumer Affairs, Food and Public Distribution C. R. Chaudhary Minister of State in the Ministry of Law and Justice; and Minister of State in the P.P. Chaudhary Ministry of Electronics and Information Technology Minister of State in the Ministry of Defence Subhash Ramrao Bhamre

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GOVERNOR & CHIEF MINISTER OF STATE

S. STATE AND U.T. CHIEF MINISTER GOVERNOR NO 1 Andaman & Nicobar U.T. Jagdish Mukhi 2 Andhra Pradesh N.Chandrababu Naidu Shri. E. S. L. Narasimhan 3 Arunachal Pradesh Pema Khandu Padmanabha Acharya 4 Assam Sarbananda Sonowal Banwarilal Purohit 5 Bihar Nitish Kumar Keshari Nath Tripathi 6 Chandigarh U.T. V.P. Singh Bandore 7 Chhattisgarh Dr. Raman Singh Shri Balramji Dass Tandon 8 Goa Manohar Parrikar Mridula Sinha 9 Gujarat Vijay Rupani Shri Om Prakash Kohli 10 Haryana Manohar Lal Khattar Kaptan Singh Solanki 11 Himachal Pradesh Virbhadra Singh Acharya Dev Vrat 12 Jammu and Kashmir Mehbooba Mufti Sayeed Narinder Nath Vohra 13 Jharkhand Raghubar Das Draupadi Murmu 14 Karnataka Shri K. Siddaramaiah Vajubhai Rudabhai Vala 15 Kerala Pinarayi Vijayan P. Sathasivam 16 Madhya Pradesh Shri Shivraj Singh Chouhan Shri Om Prakash Kohli 17 Maharashtra Devendra Fadnavis Chennamaneni Vidyasagar Rao 18 Manipur N. Biren Singh Najma Heptullah 19 Meghalaya Mukul Sangma Banwarilal Purohit 20 Mizoram Pu Lalthanhawla Nirbhay Sharma 21 Nagaland T.R. Zeliang Shri Padmanabha Balakrishna Acharya 22 New Delhi Arvind Kejriwal Anil Bijal 23 Odisha Sh. Naveen Patnaik Shri S. C. Jamir 24 Puducherry V. Narayanasamy Kiran Bedi 25 Punjab Captain Amarinder Singh V P Singh Badnore 26 Rajasthan Vasundhara Raje Kalyan Singh 27 Sikkim Shri Pawan Kumar Chamling Shriniwas Dadasaheb Patil 28 Tamil Nadu Eddappadi k.Palaniswami C.Vidyasagar Rao 29 Telangana K Chandrasekhar Rao ESL Narasimhan 30 Tripura Shri Manik Sarkar Tathagata Roy 31 Uttar Pradesh Yogi Aditya Shri Ram Naik 32 Uttarakhand Trivendra Singh Rawat Krishan Kant Paul 33 West Bengal Km. Mamata Banerjee Keshari Nath Tripathi 34 Dadra and Nagar Haveli U.T. Prafula Khoda patel 35 Daman and Diu U.T. Prafula Khoda patel 36 Lakshadweep U.T. Farooq Khan

108 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017 BUREAUCRATS DESIGNATION NAME DESIGNATION NAME National Security Advisor Ajit Kumar Doval Chairman, TRAI Ram Sevak Sharma Home Secretary Rajiv Mehrishi Chairman, NABARD Harsha Kumar Bhanwala Defence Secretary G. Mohan Kumar Chairman, CBEC Vanaja N. Sharma Cabinet Secretary Pradeep Kumar Sinha Chairman, FSSAI Ashish Bahuguna Foreign Secretary S. Jaishakar Chairman, National Highways Yadhvir Singh Malik Authority of India Finance Secretary Ashok Lavasa Director, Enforcement Directorate Kamal Singh Secretary General, Lok Sabha Anoop Mishra Chairman, Central Board of Film Pahlaj NIhalani Chief Justice, Supreme Court S.S.Kher Chairman, Children’s Film Society Mukesh Khana of India Speaker, Lok Sabha Sumitra Mahajan Chairman, CBSE Rajesh Kumar Chaturvedi Deputy Speaker, Lok Sabha M. Thambidurai Chairman, Press Council of India CK Prasad Comptroller and Auditor General of Shashikant Sharma Chairman, IRDAI TS Vijayan India Chief Election Commissioner Achal Kumar Jyoti Director General, NSG Sudhir Pratap Singh Election Commissioner Om Prakash Director General, CISF OP Singh Vice President, NITI Aayog Arvind Panagariya Director General,BSF KK Sharma CEO of NIIT Aayog Amitab Kant Director General,SSB Archana Ramasundaram Deputy Chairman, Rajya Sabha PJ Kurien Director General, CRPF Rajiv Rai Bhatnagar Chairman, ISRO AS Kiran Kumar Director General,ITBP P.K. Pachnanda Governor, RBI Urjit Patel Solicitor General Ranjit Kumar Chairman, SEBI Ajay Tyagi Attroney General K.K. Venugopal Principal Scientific Adviser R. Chidambaram Chairperson, National Green Justice Swatantra Tribunal Kumar Chairman, Railway Board AK Mittal Director, NCERT Hrushikesh Senapaty Director, Central Bureau of Alok Kumar Barma President, ASSOCHAM Sandeep Jajodia investigation (CBI) Chief, Intelligence Bureau (IB) Rajiv Jain President, FICCI Prakash Patel Chief, Research and Analysis Wing Anil Dhasman Chairman, Press Trust of India Hormusji N. Cama (RAW) Director General, NIA Sharad Kumar Chairperson, Staff Selection Ashim Khurana Commission Director,NTRO Alok joshi Director General, Delhi Metro Rail Mangoo Singh Corporation Chairman, U P S C David R.Sydemlieh Chancellor, IGNOU Pranav Mukhrjee,President Chairperson, NHRC HL Dattu Vice Chancellor, IGNOU M. Aslam Chairperson, NCM Nassem Ahmad President, National Commission for Lalitha Women Kumarmangalam Chairperson, CBDT Sushil Chandra President, Institute of Chartered N.C. Vikamsey Accountants (ICAI) Chairperson, National Commission Nanda Kumar Sai Director General, CSIR Girish Sahani for Scheduled Tribes Chairperson, UGC Ved Prakash CEO, Bharat Sanchar Nigam Anupam Shrivastava Limited Chairperson, National Commission Vangal Eswariah Chairman of LIC V.K. Sharma for Backward classes Chairperson, National Commission PL Punia Chairman of National Stock Vikram Limaye for Scheduled Castes Exchange Chairperson, Atomic Energy Shekhar Basu Chairman of Indian Bank Rajeev Rishi commission Associations Chairperson, 14th Finance Dr. YV Ready Chairman of NASSOM Raman Roy Commission Chairman of Enforcement Director Karnal Singh

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IMPORTANT INTERNATIONAL OFFICIALS HEAD OF NATIONALISED BANKS Designation - Name  Secretary General, United Nations Organisation – Bank CMD Artonio Gutters  Allahabad Bank Usha Ananthasubramaninan  Deputy Secretary General, United Nations  Andhra Bank Suresh N. Patel Organization – Amina J. Mohammed  Bank of Baroda Ps Jayakumar  Managing Director, International Monetary fund –  Bank of India Dinabandhu Mohapatra Christine Lagarde  Bank of Maharashtra Rabindra Marathe  President, World Bank – Jim Yong Kim  Bharatiya Mahila Bank SM Swathi  Director-General , World Trade Organisation –  Canara Bank T.N. Manohar Roberto Azevedo  Central Bank of India Rajeev Rishi  President, UN General Assembly - Peter Thomson  Corporation Bank J K Garg  Director – General, United Nations Educational,  Dena Bank Ashwini Kumar Scientific and Cultural Organisation – Irina Bokova  IDBI Bank Mahesh Kumar Jain  Director-General, International Labour Organisation  Indian Bank Kishor Karat – Guy Ryder  Indian Overseas Bank R. Subramania Kumar  Executive Director, United Nations International  IPPB A.P. Singh  Oriental Bank of Commerce Animesh Chauhan children’s Emergency Fund – Antony Lake  Punjab and Sind Bank Jatinderbir Singh  Director-General World Health Organisation –  Punjab National Bank Usha Ananta Subrahmaniam Margaret Chan  State Bank of India Arundhati Bhattacharya  President, Asian Development Bank Takehiko –  ICICI Bank Chanda Kochhar Nakao  AXIS Bank Sikha Sharma  President, International Court of Justice – Ronny  HDFC Bank Aditya Puri Abraham  IDFC Bank Rajeev Lall  President, International Olympic Committee –  YES Bank Rana Kapoor Thomas Bach  Kotak Mahindra Bank Udaya Kotak  Administrator, NASA – Charles F. Boldon  Syndicate Bank Arun Shrivastava  President, UN Human Rights Council – Choi  UCO Bank RK Takkar Kyong-lim  United Bank of India P.Srinivas  Director-General, International Atomic Energy  Union Bank of India Arun Tiwari Agency – Yukiya amino  Vijaya Bank Kishore Kumar Sansi  Secretary-General, NATO – Jens Stoltenberg MAHARATNA/ NAVARATNA COMPANIES  Secretary – General, ASEAN – Lee Luang Minh Maharatna Chairman/MD  Secretary – General, SAARC – Amjad Hussain B  Bharat Heavy Electricals Limited Atul Sobti Sial  Coal India Limited S. Bhattacharya  Secretary-General, Commonwealth – Patricia  Gas Authority of India Limited BC Tripathi Scotland  Indian Oil Corporation Limited Sanjiv Singh  President, FIFA – Gianni Infantino  Oil and Natural Gas Corporation DK Sarraf  President, International Cricket Council – Zaheer  Steel Authority of India Limited P.K.Singh Abbas  National Thermal Power Corporation Gurdeep Singh  Chairman, International Cricket Council - Shashank Manohar Navaratna Chairman/ MD  President, Internatioanl Paralymic committee –  Container Corporation of India Limited Anil Kumar Gupta Phillip Craven  Engineers India Limited Sanjoy Gupta  President, IAAF – Sebastian Coe  National Buildings Construction Corporation A.K. Mittal  Secretary-General, OIC – Ekmeleddin Ihasnoglu  Bharat Electricals Limited M.V. Gowtama  Secretary – General, Gulf Cooperation Council –  Bharat Petroleum Corporation Limited D.Rajkumar Adbul Latif  Hindustan Aeronautics Limited T. Suvarna Raju  Director – General, FAO – Jose Graziano da silva  Hindustan Petroleum Corporation Limited M.K. Surana  Director-General, UNIDO – Li Yong  National Mineral Development CorporationR. Sridharan  Head, World Food Programme – David Beasley  Mahanagar Telephone Nigam Limited P.K. Purwar  Power Finance Corporation Rajeev Sharma  Power Grid Corporation R. N. Nayak HEADS OF ARMED FORCES  Rashtriya Ispat Nigam Limited P. Madhusudan  Shipping Corporation of India A.K. Gupta Designation Person Air Force Chief Birendra Singh Dhano  Neyvelli Lignite Corporation Limited S.K. Acharya Navy Chief Admiral Sunil Lamba  Oil India Limited Utpal Bora Army Chief Gen. Bipin Rawat  Rural Electrification Corporation Limited P.V. Ramesh  National aluminium Company Limited Tapan Kumar Chand

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AFS-Annual Financial Statement IMD-India Millennium Deposits. AFS-Available For Sale IMF-International Monetary Fund. BoP-Balance of Payments IMPS-Immediate Mobile Payment System. CR-Capital Receipts IOB-Indian Overseas Bank. CRAR-Capital to Risk Weighted Asset Ratio IPO-Initial Public Offering. DCCB-District Central Cooperative Bank IRBI-Industrial Reconstruction Bank of India. ECGC-Export Credit and Guarantee Corporation KCC-Kisan Credit Card. GFD-Gross Fiscal Deficit KMB-Kotak Mahindra Bank. GIC-General Insurance Corporation KVB-Karur Vysya Bank. HUDCO-Housing & Urban Development Corporation KYC-Know Your Customer. IBRD-International Bank for Reconstruction and Development LAB-Local Area Bank. IBS-International Banking Statistics LAF-Liquidity Adjustment Facility. OECD-Organisation for Economic Cooperation and LDB-Land Development Bank. Development LIBOR-London Inter Bank Offered Rate. OLTAS-OnLine Tax Accounting System MIBOR-Mumbai Inter Bank Offer Rate. RWA-Risk Weighted Asset NABARD-National Bank for Agricultural and Rural Development. SEBI-Securities and Exchange Board of India NAS-National Account Statistics. UBB-Uniform Balance Book NAV-Net Asset Value. WPI -Wholesale Price Index NBC-Non Banking Companies. FDI-Foreign Direct Investment. NBFC-Non Banking and Finance companies. FERA-Foreign Exchange Regulation Act. NEFT-National Electronic Funds Transfer System. FICCI-Federation of Indian Chambers of Commerce and Industry. NFA-No Frills Account. FII-Foreign Institutional Investor. NFC-Non Banking Finance Companies. FIPB-Foreign Investment Promotion Board. NHB-National Housing Bank. FPI-Foreign Portfolio Investment. NIB-Nordic Investment Bank. FTA-Free Trade Agreement. NPA-Non Performing Assets. GDP-Gross Domestic Product. NPS-National Pensions Scheme. GDR-Global Depository Receipt. NSE-National Stock Exchange. GAAR-General Anti Avoidance Rule. OMO-Open Market Operations. HDFC-Housing Development Finance Corporation. OTP-One Time Password. IBRD-International Bank For Reconstruction And Development. PGS-Payment Gateway System. ICICI-Industrial Credit and Investment Corporation of India. RBI-Reserve Bank Of India. IDB-Islamic Development Bank. RBS-Royal Bank of Scotland. IDBI-Industrial Development Bank of India. RRB-Regional Rural Bank. IDR-Indian Depository Receipts. RTGS-Real Time Gross Settlement System. IIB-International Investment Bank. SCB-Scheduled Commercial Bank. IIBF- Indian Institute of Banking and Finance. SCC-Selective Credit Control. IRR- Internal Rate Of Return. SEPA-Single Euro Payment Area.

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SEBI-Security Exchange Board Of India. CDR - Corporate Debt Restructuring SHGs-Self Help Groups. EEA - Exchange Equalisation Account SIDBI-Small Industries and Development Bank of India. NFA - Net Foreign Assets SLR-Statutory Liquidity Ratio. PDO - Public Debt Office SPNS-Shared Payment Network System. REER - Real Effective Exchange Rate SWIFT-Society For World Wide Inter Bank Financial OPEC - Organisation for Petroleum Exporting Countries Telecommunication. SPMCIL - Security Printing and Minting ULIP-Unit Linked Insurance Plan. OPEC - Organisation for Petroleum Exporting Countries UCB-Urban Cooperative Bank. MCA - Ministry of Corporate Affairs UEBA-Universal Electronic Bank Account. SMEs - Small and Medium Enterprises UIDAI-Unique Identification Authority of India. SMO - Special Market Operations ULIP-Unit Linked Insurance Policies. MFDEF - Micro Finance Development and Equity fund UPIN-Unique Property Identification Numbers. SEBI - Securities and Exchange Board of India USB-Ultra Small Branch. ORFS - Online Returns Filing System USD-United States Dollar. OSMOS - Off-Site Monitoring and Surveillance VDBS-Vertically Differentiated Banking System. OTC - Over-the-Counter WBCIS-Weather Based Crop Insurance Scheme. OTS - One-Time Settlement WL ATM-White Label ATM. BSA - Bilateral Swap Arrangements WPFI-World Press Freedom Index. IMF - International Monetary Fund WPI-Wholesale Price Index. MBS - Mortgage Backed Securities ECR - Export Credit Refinance BSE - Bombay Stock Exchange, Mumbai ECS - Electronic Clearing Services CBDT - Central Board of Direct Taxes SDR - Special Drawing Rights CBLO - Collateralised Borrowing and Lending BRBNMPL - Bharatiya Reserve Bank Note Mudran Private Limited 

1. Convene: Come or bring together for a meeting or activity; 3. Isolationism : A policy of remaining apart from the affairs assemble. or interests of other groups, especially the political affairs Synonyms: Assemble, gather, meet, come together, of other countries. congregate. Synonyms: indifferentist, isolationism, neutralism. Example:The leaders of three religions A, B and C Example: Older traditions of internationalism and decided to convene a meeting to bring about peace. isolationism have been revived and adapted to post- 2. Retaliation: The action of returning a military attack; cold war conditions. counterattack. 4. Imminent: About to happen or overhanging. Synonyms: Revenge, vengeance, reprisal, retribution, Synonyms: Expected, anticipated, brewing, looming, requital, recrimination, repayment. threatening, menacing. Example: The soldiers who spoke to the newspaper chose Example: An imminent merger means that his colleagues to remain anonymous, fearing retaliation from the are all threatened with redundancy. Pentagon 5. Rhetoric: The art of effective or persuasive speaking or writing, especially the use of figures of speech and other compositional techniques.

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Synonyms: Ornateness, grandiosity, magniloquence, 14. Conduit : A channel for conveying water or other fluid. grandiloquence,oratory, eloquence, command of Synonyms: Channel, duct, pipe, tube, gutter, trench, language. Example: As a result, his promises have raised culvert. the art of empty rhetoric to new heights. Example: We used a 58-inch piece of electrical conduit 6. Doctrine: A belief or set of beliefs held and taught by a and sharpened the end of it like a vaccination needle. church, political party, or other group. 15. Tussle: A vigorous struggle or scuffle, typically in order Synonyms: Creed, credo, dogma, belief, teaching, to obtain or achieve something. ideology, tenet, maxim, canon, principle, precept. Synonyms: Scuffle, fight, struggle, brawl, grapple, Example: In this book, he rejects the doctrine of original wrestle, clash, scrap, roughhouse. sin and replaces it with original goodness. Example: He believed the linesman misinterpreted what 7. Shrink : Become or make smaller in size or amount; was an innocent entanglement after a tussle for the ball. contract or cause to contract. 4. Synonyms: Get smaller, become/grow smaller, contract, 16. Strident: loud and harsh; grating. diminish, lessen, reduce, decrease, dwindle. Synonyms: harsh, raucous, rough, grating, rasping, Example: I encouraged people not to shrink in fear and jarring, loud, shrill, screeching, piercing. self-protection, but be unusually visionary and ethical. Example: If the voice is too loud and strident , that 8. Inconvenient : Causing trouble, difficulties, or discomfort. indicates excess, as does the sudden onset of a violent Synonyms: Awkward, difficult, inopportune, untimely, cough. 5. ill-timed, unsuitable, inappropriate, unfortunate. 17. Formidable: Inspiring fear or respect through being Example: His tactics to crush inconvenient questions, impressively large, powerful, intense, or capable. though, displayed the thug in him. Synonyms: Onerous, arduous, taxing, difficult, hard, 9. Admonished:Warn or reprimand someone firmly. heavy, laborious, burdensome, strenuous. Synonyms: Reprimand, rebuke, scold, reprove, reproach, Example: He assuredly bumped off a formidable array of upbraid, chastise, chide, berate, criticize. erstwhile friends and possible rivals. Example: She admonished me for appearing at breakfast unshaven. 10. Persistence: Firm or obstinate continuance in a course  of action in spite of difficulty or opposition. Synonyms: Pertinacity, perseverance, tenacity, tenaciousness, doggedness. Example: There are a few strategies that can lead to success, but persistence and patience are key. VANIK’S KNOWLEDGE GARDEN 11. Grieve: Suffer grief. Pradhan Mantri Suraksha Bima Yojna Synonyms: Mourn, lament, sorrow, be sorrowful, cry,  Eligibility:18 to 70 years of age sob, weep, shed tears, weep and wail, beat one’s breast.  It has an annual premium of Rs12 Example: Many people find they cannot grieve properly  In case of accidental death or full disability, the until this process has been completed. payment to the nominee will be Rs 2 lakh and in 12. Compatriot: A fellow citizen or national of a country. case of partial Permanent disability Rs 1 lakh Synonyms: Fellow countryman, fellow countrywoman,  As of 24th April 2017, 10 crore people have already countryman, countrywoman, fellow citizen. enrolled for this scheme. Example: One of my compatriots is working on a plan to Pradhan Mantri Jeevan Jyoti Yojana get us back to the level of protection before Hurricane  Eligibility18 to 50 years of age Katrina.  It has an annual premium of Rs 330 13. Confrontations: A hostile or argumentative meeting or  In case of death due to any cause, the payment to situation between opposing parties. the nominee will be Rs 2 lakh. Synonyms: Conflict, clash, fight, battle, encounter,  As of 24 April 2017, 3.11 crore people have already faceoff, engagement, skirmish, hostilities. enrolled for this scheme. Example: The confrontation with the court represents the first test of the new administration, analysts say.

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The decision regarding selection of the IAS Mains Optional is an age old dilemma for Civil Services aspirants. Choosing a right Optional subject is a crucial step in your preparation for the UPSC civil services exam. A wrong decision not only costs you a rank but also leaves in you a sense of regret for the rest of your life. As per the latest syllabus, the number of optional subjects to be selected is reduced to one, but aspirants are still confused on how to make the right choice. Though the weightage of the optional paper is only 500 marks out of 2025 marks as per the latest pattern of UPSC Civil Services exam, it is still a deciding factor in the final ranks. You need to select an optional subject in which you are comfortable to score high in UPSC mains. The level of comfort depends on many factors like the – familiarity of the subject, availability of books and other study materials, availability of resource person, the scope of peer discussion, recent trends of marks, the level of difficulty as per the syllabus and previous question papers etc. If the subject you took for graduation is available in the list of subjects given, in most cases the same option will turn out as a comfortable option. All others look for an optional subject which you can finish in a time bound manner without encroaching the time for GS preparation. Aspirants come from diverse academic backgrounds – Agriculture, Arts, Commerce, Engineering, Law, Literature, Management, Medical, , Science etc. That is why UPSC has given aspirants to choose from an array of 51 Optional subjects (26 Literature +25 non literature subjects) based on their interests and academic background. This point is to make it clear that previous base and interest are helpful in selecting the optional subject. It is like you have already learned that subject and now just have to brush yourself. In this way, your knowledge over that subject increase and becomes firm and finally helps you in scoring outstanding marks. What are the factors for choosing optional? Following are the important steps you should follow before you finalize a subject as your Optional. First go through the list of all the Optional Subjects. Think which topics of GS you like more. Then go through the syllabus of the same optional in detail. Next step is go through the past 10 years question papers of that optional. Finally, the availability of materials and guidance in the form of coaching matters a lot. The popular choices among candidates are; Public Administration, Sociology, Geography, History, Political Science and Philosophy. Today optional subject mean to the candidates as; 1. Scoring optional Aspirants prefer to choose that subject as an optional which is like to give more marks and considered more scoring. Some of the optional subject which is considered to be more scoring are Public Administration and Geography. Looking at the past score of these subjects Geography has returned marks with 400+ in IAS Mains, many candidates have been scoring 340+ and 350+ in Public Administration in the past few years. 2. Popular Optional Another factor which the candidates think in their mind while selecting an optional subject is how popular that subject is. The popular optional subjects are like Geography, Public Administration, Sociology, History and Psychology. These four IAS optional alone accounts for about 50 percent share of the Mains pie than the rest 22 optional. 3. Coaching Criteria The first thing every candidate must decide that do they need any coaching? This you should think only after you have selected your optional subject. If there is good coaching available for the optional subject which you have selected and you are really in need of that coaching then you can go for it. You can select any optional subject as you like, it will help you in GS and essay preparation in some or the other way, like:  Political Science & International Relations covers Polity of India and the world part  Public Administration covers Polity and governance part  History covers the history part

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 Geography covers GS geography, climate change, environment and other related sections  Law also covers Polity  Economics covers the Economy part of GS mains  Sociology covers questions on social issues as well as one Essay option  Psychology covers the Ethics & Integrity Part of GS Paper Things to Avoid 1. Do not choose an optional because a friend or a family member suggested it. 2. Most students opt for it - Do Not opt for an optional just because it is what most of the aspirants have chosen. Believe it or not many serious candidates fall prey to this and waste attempts before they even realize it and still many realize it after exhausting their attempts. 3. It’s a high scoring IAS Mains optional - Candidates have cleared this exam with almost every optional and not just with the so called high scoring optional. In UPSC there is no high scoring - low scoring optional. High scoring-Low scoring optional is a myth. 4. The topper chose this subject last year - Don’t let your judgment be guided by the optional chosen by the previous year toppers. ANALYSIS OF SOME POPULAR OPTIONALS 1. GEOGRAPHY OPTIONAL Geography is an optional having scientific orientation, easy availability of coaching-materials and the perceived high success rate, some parts of the syllabus like economic, environmental and human geography is greatly appealing to students. Besides being helpful in essays, it also helps in topics like Human Development, Agricultural Issues, Resources distribution, Ecology, Environment & Biodiversity and Disaster Management apart from the physical geography paper in the GS syllabus. Some of the important tips to follow during the course of preparation  Start the basics from NCERTs from class 6 to 12.  Then go through the standard reference text books.  Try to cover the syllabus in a time bound manner.  Answer writing practice is a must before the examination  While writing answer try to represent through relevant maps.  Use flow charts & make schematic representation. GEOGRAPHY OPTIONAL SYLLABUS PAPER I PRINCIPLES OF GEOGRAPHY Physical Geography: 1. Geomorphology : Factors controlling landform development; endogenetic and exogenetic forces; Origin and evolution of the earth’s crusts; Fundamentals of geomagnetism; Physical conditions of the earth’s interior; Geosynclines; Continental drift; Isostasy; Plate tectonics; Recent views on mountain building; Volcanicity; Earthquakes and Tsunamis; Concepts of geomorphic cycles and Land scape development; Denudation chronology; Channel morphology; Erosion surfaces; Slope development; Applied Geomorphology; Geomorphology, economic geology and environment. 2. Climatology: Temperature and pressure belts of the world; Heat budget of the earth; Atmospheric circulation; Atmospheric stability and instability. Planetary and local winds: Monsoons and jet streams: Air masses and front; Temperate and tropical cyclones; Types and distribution of precipitation; Weather and Climate; Koppen’s Thornthwaite’s and Trewar Tha’s classification of world climate; Hydrological cycle; Global climatic change, and role and response of man in climatic changes Applied climatology and Urban climate. 3. Oceanography : Bottom topography of the Atlantic, Indian and Pacific Oceans; Temperature and salinity of the oceans; Heat and salt budgets, Ocean deposits; Waves, currents and tides; Marine resources; biotic, mineral and energy resources; Coral reefs coral bleaching; Sea-level changes; Law of the sea and marine pollution.

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4. Biogeography: Genesis of soils; Classification and distribution of soils; Soil profile; Soil erosion, Degradation and conservation; Factors influencing world distribution of plants and animals; Problems of deforestation and conservation measures: Social forestry; agro-forestry; Wild life; Major gene pool centres. 5. Environmental Geography: Principle ecology; Human ecological adaptations: Influence of man on ecology and environment; Global and regional ecological changes and imbalances; Ecosystem their management and conservation; Environmental degradation, management and conservation; Biodiversity and sustainable development; Environmental policy; Environmental hazards and remedial measures; Environmental education and legislation. Human Geography: 1. Perspectives in Human Geography: Areal differentiation; Regional synthesis; Dichotomy and dualism; Environmentalism: Quantitative revolution and locational analysis; Radical, behavioural, human and welfare approaches; Languages, religions and secularisation: Cultural regions of the world: Human development index. 2. Economic Geography: World economic development: measurement and problems; World resources and their distribution; Energy crisis; the limits to growth: World agriculture: typology of agricultural regions; Agricultural inputs and productivity: Food and nutrition problems: Food security; famine: causes, effects and remedies: World industries: location patterns and problems: Patterns of world trade. 3. Population and Settlement Geography : Growth and distribution of world population; Demographic attributes: Causes and consequences of migration; Concepts of over-under-and optimum population; Population theories, world population problems and policies, Social well-being and quality of life; Population as social capital. Types and patterns of rural settlements; Environmental issues in rural settlements; Hierarchy of urban settlements: Urban morphology; Concept of primate city and rank-size rule: Functional classification of towns; Sphere of urban influence; Rural-urban fringe; Satellite towns: Problems and remedies of urbanization: Sustainable development of cities. 4. Regional Planning: Concept of a region; Types of regions and methods of regionalisation; Growth centres and growth poles: Regional imbalances; Regional development strategies: Environmental issues in regional planning: Planning for sustainable development. 5. Models, Theories and Laws in Human Geography: System analysis in Human geography: Malthusian, Marxian and demographic transition models; Central Place theories of Christaller and Losch; Perroux and Boudeville; Von Thunen’s model of agricultural location; Weber’s model of industrial location; Ostov’s model of stages of growth. Heart-land and Rimland theories; Laws of international boundaries and frontiers. PAPER II GEOGRAPHY OF INDIA 1. Physical Setting: Space relationship of India with neighbouring countries; Structure and relief; Drainage system and watersheds; Physiographic regions; Mechanism of Indian monsoons and rainfall patterns; Tropical cyclones and western disturbances; Floods and droughts; Climatic regions; Natural vegetation, Soil types and their distributions. 2. Resources : Land, surface and ground water, energy, minerals, biotic and marine resources, Forest and wild life resources and their conservation; Energy crisis. 3. Agriculture : Infrastructure: irrigation, seeds, fertilizers, power; institutional factors; land holdings, land tenure and land reforms; Cropping pattern, agricultural productivity, agricultural intensity, crop combination, land capability; Agro and social- forestry; Green revolution and its socio-economic and ecological implications: Significance of dry farming; Livestock resources and white revolution; Aqua-culture; Sericulture, Agriculture and poultry; Agricultural regionalisation; Agro-climatic zones; Agro-ecological regions. 4. Industry : Evolution of industries; Locational factors of cotton, jute, textile, iron and steel, aluminium, fertiliser, paper, chemical and pharmaceutical, automobile, cottage and ago-based industries; industrial houses and complexes including public sector undertakings; Industrial regionalisation; New industrial policy; Multinationals and liberalisation; Special Economic Zones; Tourism including ecotourism. 5. Transport, Communication and Trade : Road, railway, waterway, airway and pipeline net works and their complementary roles in regional development; Growing importance of ports on national and foreign trade; Trade balance; Trade Policy; Export processing zones; Developments in communication and information technology and their impacts on economy and society; Indian space programme.

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6. Cultural Setting : Historical Perspective of Indian Society; Racial linguistic and ethnic diversities; religious minorities; Major tribes, tribal areas and their problems; Cultural regions; Growth, distribution and density of population; Demographic attributes: sex-ratio, age structure, literacy rate, work-force, dependency ratio, longevity; migration (interregional, interaregional and international) and associated problems; Population problems and policies; Health indicators. 7. Settlements : Types, patterns and morphology of rural settlements; Urban developments; Morphology of Indian cities; Functional classification of Indian cities; Conurbations and metropolitan regions; Urban sprawl; Slums and associated problems; Town planning; Problems of urbanisation and remedies. 8. Regional Development and Planning : Experience of regional planning in India; Five Year Plans; Integrated rural development programmes; Panchayati Raj and decentralised planning; Command area development; Watershed management; Planning for backward area, desert, drought-prone, hill tribal area development; Multi-level planning; Regional planning and development of island territories. 9. Political Aspects : Geographical basis of Indian federalism; State reorganisation; Emergence of new states; Regional consciousness and inter-state issues; International boundary of India and related issues; Cross-border terrorism; India’s role in world affairs; Geopolitics of South Asia and Indian Ocean realm. 10. Contemporary Issues : Ecological issues: Environmental hazards: landslides, earthquakes, Tsunamis, floods and droughts, epidemics; Issues related to environmental pollution; Changes in patterns of land use; Principles of environmental impact assessment and environmental management; Population explosion and food security; Environmental degradation; Deforestation, desertification and soil erosion; Problems of agrarian and industrial unrest; Regional disparities in economic development: Concept of sustainable growth and development: Environmental awareness; Linkage of rivers; Globalisation and Indian economy. REFERENCE BOOKS FOR GEOGRAPHY For Paper -I 1. Fundamentals of Physical Geography NCERT Class XI 2. Fundamentals of Human Geography NCERT Class XII 3. Certificate of Physical & Human Geography by G C Leong 4. Orient Blackswan School ATLAS 5. Physical Geography by Savindra Singh 6. Modern Physical Geography by Strahler and Strahler 7. Physical Geography Made Simple by Rupa Publication 8. Dictionary of Physical Geography by Penguin 9. Evolution of Geographical Thought by Majid Hussain 10. Economic and Social Geography Made Simple by Rupa Publication For Paper –II 1. India Physical Environment NCERT Class XI 2. India People and Economy NCERT Class XII 3. India A Comprehensive Geography by D R Khullar 4. Geography of India by Majid Husain 5. Indian Economy by Dutt and Sundaram 6. India Year Book latest edition 7. Economic Survey by Govt of India 2. PUBLIC ADMINISTRATION OPTIONAL Public Administration is a very popular optional subject both in UPSC and state public service exams because 1. The syllabus is relatively short, requires less mugging (compared to geography or history) 2. Syllabus has a lot of overlapping with topics of General Studies and Essay (Polity, Budget, Empowerment, Good Governance, Disaster Management etc) 3. Books, material and question papers of public administration are very easy to find in both English and Hindi medium. 4. The subject is easy to understand, any graduate from any stream: medical, engineering, science, commerce or arts can get a good grip over it after to 2-3 months of diligent preparation.

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5. This optional subject is taken in huge number by both English and non-English medium aspirants, so when they get selected for the interview, the “success-rate” looks huge compared to Botany and Medicinal science. The secret of success for writing good answers in Public Administration lies in understanding the questions. Most of the students fail to write good answers simply because of their failure to understand the questions. In the last few years, UPSC has deliberately increased the difficulty levels of question paper as they are more interested in those students who have conceptual clarity and ability to write those concepts in a simple manner. So as far as Public Administration is concerned there are certain things to be kept in mind - While studying any thinker or any topic, make sure that you are able to understand it in as simple manner as possible. Making things simple is the most difficult thing in the world. PUBLIC ADMINISTRATION OPTIONAL SYLLABUS PAPER-I ADMINISTRATION THEORY 1. Introduction: Meaning, scope and significance of Public Administration, Wilson’s vision of Public Administration, Evolution of the discipline and its present status. New Public Administration, Public Choice approach; Challenges of liberalization, Privatisation, Globalisation; Good Governance: concept and application; New Public Management. 2. Administrative Thought: Scientific Management and Scientific Management movement; Classical Theory; Weber’s bureaucratic model its critique and post-Weberian Developments; Dynamic Administration (Mary Parker Follett); Human Relations School (Elton Mayo and others); Functions of the Executive (C.I. Barnard); Simon’s decision-making theory; Participative Management (R. Likert, C. Argyris, D. McGregor.) 3. Administrative Behaviour: Process and techniques of decision-making; Communication; Morale; Motivation Theories content, process and contemporary; Theories of Leadership: Traditional and Modem: 4. Organisations : Theories systems, contingency; Structure and forms: Ministries and Departments, Corporations, Companies; Boards and Commissions; Ad hoc, and advisory bodies; Headquarters and Field relationships; Regulatory Authorities; Public- Private Partnerships. 5. Accountability and Control: Concepts of accountability and control; Legislative, Executive and judicial control over administration; Citizen and Administration; Role of media, interest groups, voluntary organizations; Civil society; Citizen’s Charters; Right to Information; Social audit. 6. Administrative Law: Meaning, scope and significance; Dicey on Administrative law; Delegated legislation; Administrative Tribunals. 7. Comparative Public Administration: Historical and sociological factors affecting administrative systems; Administration and politics in different countries; Current status of Comparative Public Administration; Ecology and administration; Riggsian models and their critique. 8. Development Dynamics: Concept of development; Changing profile of development administration; ‘Anti-development thesis’; Bureaucracy and development; Strong state versus the market debate; Impact of liberalisation on administration in developing countries; Women and development the self-help group movement. 9. Personnel Administration: Importance of human resource development; Recruitment, training, career advancement, position classification, discipline, performance appraisal, promotion, pray and service conditions; employer-employee relations, grievance redressal mechanism; Code of conduct; Administrative ethics. 10. Public Policy: Models of policy-making and their critique; Processes of conceptualisation, planning, implementation, monitoring, evaluation and review and their limitations; State theories and public policy formulation. 11. Techniques of Administrative Improvement: Organisation and methods, Work study and work management; e-governance and information technology; Management aid tools like network analysis, MIS, PERT, CPM. 12. Financial Administration: Monetary and fiscal policies: Public borrowings and public debt Budgets types and forms; Budgetary process; Financial accountability; Accounts and audit. PAPER-II INDIAN ADMINISTRATION 1. Evolution of Indian Administration: Kautilya Arthashastra; Mughal administration; Legacy of British rule in politics and administration Indianization of Public services, revenue administration, district Administration, local self Government.

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2. Philosophical and Constitutional framework of Government: Salient features and value premises; Constitutionalism; Political culture; Bureaucracy and democracy; Bureaucracy and development. 3. Public Sector Undertakings: Public sector in modern India; Forms of Public Sector Undertakings; Problems of autonomy, accountability and control; Impact of liberalization and privatization. 4. Union Government and Administration: Executive, Parliament, Judiciary-structure, functions, work processes; Recent trends; Intra-governmental relations; Cabinet Secretariat; Prime Minister’s Office; Central Secretariat; Ministries and Departments; Boards; Commissions; Attached offices; Field organizations. 5. Plans and Priorities: Machinery of planning; Role, composition and functions of the Planning Commission and the National Development Council; ‘Indicative’ planning; Process of plan formulation at Union and State levels; Constitutional Amendments (1992) and decentralized planning for economic development and social justice. 6. State Government and Administration: Union-State administrative, legislative and financial relations; Role of the Finance Commission; Governor; Chief Minister; Council of Ministers; Chief Secretary; State Secretariat; Directorates. 7. District Administration since Independence: Changing role of the Collector; Union-State-local relations; Imperatives of development management and law and order administration; District administration and democratic decentralization. 8. Civil Services: Constitutional position; Structure, recruitment, training and capacity building; Good governance initiatives; Code of conduct and discipline; Staff associations; Political rights; Grievance redressal mechanism; Civil service neutrality; Civil service activism. 9. Financial Management: Budget as a political instrument; Parliamentary control of public expenditure; Role of finance ministry in monetary and fiscal area; Accounting techniques; Audit; Role of Controller General of Accounts and Comptroller and Auditor General of India. 10. Administrative Reforms since Independence: Major concerns; Important Committees and Commissions; Reforms in financial management and human resource development; Problems of implementation. 11. Rural Development: Institutions and agencies since Independence; Rural development programmes: foci and strategies; Decentralization and Panchayati Raj; 73rd Constitutional amendment. 12. Urban Local Government: Municipal governance: main features, structures, finance and problem areas; 74th Constitutional Amendment; Global-local debate; New localism; Development dynamics, politics and administration with special reference to city management. 13. Law and Order Administration: British legacy; National Police Commission; Investigative agencies; Role of Central and State Agencies including para military forces in maintenance of law and order and countering insurgency and terrorism; Criminalisation of politics and administration; Police-public relations; Reforms in Police. 14. Significant issues in Indian Administration: Values in public service; Regulatory Commissions; National Human Rights Commission; Problems of administration in coalition regimes; Citizen administration interface; Corruption and administration; Disaster management. REFERENCE BOOKS FOR PUBLIC ADMINISTRATION For Paper -I 1. New Horizons of Public Administration by Mohit Bhattacharya 2. Administrative Thinkers by Prasad and Prasad 3. Public Administration by Avasthi & Maheshwari 4. Public Administration: Theory and Concepts by Fadia and Fadia 5. Administrative Behaviour by Rajiv Ranjan Singh 6. Second ARC Reports 7. Punchhi Commission Report For Paper –II 1. Evolution of Indian Administration: NCERT Books (Class XI & XII) on Indian History: Administrative portion. 2. Constitution of India by D.D. Basu 3. Indian Administration by Avasthi & Avasthi 4. Indian Administration by Goyal and Arora 5. Administrative Reform Commission (ARC) Report on (a)Machinery of Planning (b)Centre-state relationships 119 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : (0674) 6556677, 8093556677. Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF SEPTEMBER-2017

(c)Financial Administration (d)State Administration (e)District Administration 6. Centre-State Relations : A brief reference to Sarkaria Commission Report 7. Local Administration : Local Government in India—S.R. Maheshwari 8. Administration for Welfare Annual Report of Department of Justice & Empowerment ANSWER WRITING TECHNIQUE 1. Write answer in point format as it helps in presenting thoughts in a more precise manner. 2. Writing answers in as simple manner as possible. This is how you should be writing answers. There is no point in using difficult language and complicated jargon as it becomes difficult for the examiner to understand what you are writing. 3. Another important aspect about answer writing is your ability to interlink the concepts. If you take a closer look at the questions that were asked in the previous two years, one thing is very much clear. UPSC wants conceptual clarity and more importantly in depth knowledge about interlinkages among the theories and thinkers. 4. Next comes the ability of the candidate to link concepts in Paper – I with the examples from Indian Administration.

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120 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015

P h . : (0674) 6556677, 8093556677. W eb : w w w .vanik.org, E-m ail : van ikb b sr@ gm ail.co m VANIK FINAL SELECTIONS-2016 SBI-PO/CLERK-2016 FINAL SELECTIONS RRB-PO/CLERK-2016 FINAL SELECTIONS

BIPRAJIT SAHOO RESMARANI SAHOO SUMAN S. PARIDA AMIYA PRADHAN ARJUNA MAHALI FALGUNI MISHRA SUBHASHREE SWAIN NISHITH MAHAPATRA TRILOKESH PATNAIK SANJAYA KU. SAHOO TUSAR MOHANTY AMARNATH BARNWAL DIBYA RANJAN DASH KSHIRANEBAS PRADHAN MUKUNDA MURARI SAHU NIROJ RANJAN SAHOO ROHIT KUMAR BHOL SBI-PO SBI-PO SBI-PO SBI-CLERK SBI-CLERK SBI-JUNIOR ASSOCIATES SBI-CLERK SBI-CLERK SBI-JUNIOR ASSOCIATES RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO

ASHUTOSH MOHAPATRA CHITTA RANJAN PANDA PRAJNA SAGAR SWAIN AMLAN NANDA SWAGAT RANJAN NAYAK HARAPRIYA SWAIN JANMEJAYA ROUT ANANDA KU. MISHRA LOPAMUDRA SAHOO ABHAY BEHERA AISHWARYA PRADHAN AMIT KUMAR PARIDA ANUBHAV KUMBHAR BISHWANATH DEHURY BISWAJIT PRADHAN CHHAYAKANTA NAIK SUSANT KUMAR SAHOO SBI-PO SBI-PO SBI-PO SBI-PO SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-PO/CLERK

KSHITISH MAHARANA KUMAR NAIK LIPAN KUMAR SAHOO MADHUSMITA BEHERA MONIKA M. JENA PINAKY DEY POURNAMASI BINDHANI SUMAN S. MISHRA RAJU BHOI FALGUNI DAS ADHIKARI NANDINI PRADHAN NAYAN KUMAR NAIK PRAKASH KU. SAHOO PRITISH KUMAR PATI SAPAN KUMAR SETH SONALI JENA SUNIL KUMAR SETHY SBI-CLERK SBI-CLERK SBI-JUNIOR ASSOCIATE SBI-CLERK SBI-CLERK SBI-JUNIOR ASSOCIATES SBI-JUNIOR ASSOCIATES SBI-CLERK SBI-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK

SOUMYA P. PARIDA SOUMYA R. DANI SOUMYA R. PARIDA SUSANTA KISHAN SWATI MISHRA SNEHALATA DAS AISWARYA P. BEHERA MADHUSMITA ROUT SURAJ KUMAR PATEL JANMEJAYA ROUT ANANTA CH. SAHOO BARDAN P. BAG SMRUTI R. MISHRA RAKESH J. MISHRA SUNIL KUMAR SETHY SUNITA SETHI UMESH GUPTA SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK SBI-JUNIOR ASSOCIATE SBI-CLERK SBI-CLERK SBI-CLERK RRB-CLERK RRB-Clerk RRB-CLERK RRB- RRB-CLERK RRB-CLERK RRB-CLERK RRB-PO

And Many And Many More Selections More Selections SUNAYANA SAHOO RANJAN KUMAR BEHERA JITENDRA PATRA GYANADEEP DASH MADHUSUDHAN BISWAL ATMARAM PANDEY ANU LATA SANJAYA AGRAWAL PREMANANDA DAS BISWARANJAN PANDA SIBA NARAYAN SETHY SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK SBI-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-SCALE-2 RRB-PO RRB-CLERK IBPS-PO-2016 FINAL SELECTIONS IBPS-CLERK-2016 FINAL SELECTIONS

ARABINDA MISHRA ANANTA CH. SAHOO AMIT KUMAR PARIDA AMIR KU. KEMBRAM AJIT PRADHAN AISHWARYA PRADHAN ABINASH SETHI ABHIJEET MISHRA ABHIJEET MISHRA BOB-CLERK BOI-CLERK ALLAHABAD BANK-CLK CANARA BANK-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK ALLAHABAD BANK-CLERK ALLAHABAD BANK-CLERK PRATYUSA SAMANTARAY PRAGNYAPARAMITA PABITRA KU. SAHOO NAYAN KU. NAIK MONALISA SAHOO MOHAN DAS MARANDI MANAS R. PARIDA LIPAN KU. SAHOO KRUTI SUNDAR BEHERA BOI-PO CANARA BANK-PO BOI-PO IBPS-PO CANARA BANK-PO CANARA BANK-PO PNB-PO IBPS-PO IBPS-PO

TUSHAR R. THAKUR TULESHWAR BANJARA SUSANT KISHAN SURJIT SAHOO SUNIL KUMAR SETHY SUMIT MOHAPATRA SUKHBINDER SINGH SUDHIR KU. DEHURY SOURAV PRADHAN BOI-CLERK IBPS-CLERK IDBI-CLERK BOB-CLERK IBPS-CLERK IBPS-CLERK CANARA BANK-CLERK IBPS-CLERK UBI-CLERK

JYOTIRMAYEE MAHALIK JOGALAXMI BISWAL JAYASMITA PANIGRAHI JANGYASENEE SAHOO IPSITA PRIYADARSHINI HIMANSU KU. SAHOO FALGUNI MISHRA GAURAV SUMAN DHAIRYADHAR SAHOO CANARA BANK-PO IBPS-PO BIJAYA BANK-PO SYNDICATE BANK-PO ALLAHABAD BANK-PO CANARA BANK-PO CANARA BANK-PO UNITED BANK-PO PNB-PO

SOUMYA R. MISHRA SISIR R. PANIGRAHI SIBA NARAYAN SETHY SHUBHRANSU BEHERA SHASHIKANTA BEHERA SEKHAR MOHANTY SATYABRATA BEHURY SAPAN SETH SANTOSH KUMAR SAHU UNITED BANK-CLERK IBPS-CLERK CANARA BANK-CLERK IBPS-CLERK IBPS-CLERK BOB-CLERK BOI-CLERK BOB-CLERK IDBI-CLERK

BALARAM BISOYI ASIT KUMAR SAHOO ASHOK CHOUDHURY ARUN KUMAR SAHANI ARCHANA NATH ARANYA P. PANDA AMIYA R. PRADHAN AMAN KUMAR JHA ABHISHEK BEHERA IDBI BANK-PO IBPS-PO IBPS-AFO CANARA BANK-PO BOI-PO CANARA BANK-PO UCO BANK-PO PNB-PO UNITED BANK-PO

RUTU P. DAS RASMIPRAVA MALLIK PRIYA RANJAN JENA PRANGYA P. SAHU POOJA BISI MIHIR KUMAR BARIK MANAS R. PRADHAN MAHESWAR BISWAL LALAN KU. PATEL UCO-CLERK IBPS-CLERK UNITED BANK-CLERK BOI-CLERK ANDHRA BANK-CLERK UCO BANK-CLERK BOI-CLERK CENTRAL BANK-CLERK CANARA BANK-CLERK

SUSANTA KU. SAHOO SURYA K. MOHANTY SRIKANT KU. BEHERA SOUMYA S. DASH SOUMYA RANJAN GIRI SONU KESHARI SMITANIBEDITA NAYAK SAUMYA CHHOTARAY SAROJ KU. ROUT PNB-PO CANARA BANK-MKT. IBPS-PO IBPS-AFO VIJAYA BANK-PO INDIAN BANK-PO BOB-MARKETING UCO BANK-PO CANARA BANK-PO

GYANA R. PRADHAN SWAGATIKA SAHOO ATMARAM PANDEY GYANADEEP DASH ARCHANA NATH BISHWANATH DEHURY CHHAYAKANTA NAIK POONAM MAHAPATRA TUSHAR RANJAN DAS CANARA BANK-CLERK IDBI-CLERK ORIENTAL BANK-CLERK IDBI-CLERK IBPS-CLERK PNB-CLERK IBPS-CLERK CANARA BANK-CLERK BOI-CLERK

KIRAN KU. BEHURA RUTUPARNA MUDULI AMLAN MOHANTY BAILOCHAN PRADHAN BASANTA KU. SAHOO RAMESH CH. PRADHAN SANIDH KU. PANDA SANTOSH KUMAR SAHU SURAJ KUMAR PATEL IBPS-AFO IBPS-SO PNB-IT OFFICER CENTRAL BANK-PO IBPS-AFO CANARA BANK-PO CENTRAL BANK-AFO CANARA BANK-PO CANARA BANK-PO JITENDRA KU. SAHOO LAXMIDHAR DAS BIBHUNANDAN TUSHAR RANJAN DAS ASHIRBAD PRADHAN UMESH GUPTA NANDINI PRADHAN ABHIJEET DAS KINKI KARMAKAR UNITED BANK-CLERK ANDHRA BANK-CLERK CANARA BANK-CLERK BOI-CLERK PNG-CLERK BOI-CLERK CANARA BANK-CLERK CANARA BANK-CLERK IBPS-CLERK

And And Many Many More Selections More ABHIJEET MISHRA RAMANI PRADHAN PRIYARANJAN PARIDA SANDEEP BEHERA IPSMITA BHOI DILLIP SAMAL SURYAKANTA GIRI SABITA HORO ARCHANA SAHOO SOUMYA R. SWAIN BISWABHUSHAN PATRA KRISHNA PRIYA RANA AMAN KUMAR JHA DILLIP SAMAL PRATICHI PRACHITARA Selections SYNDICATE BANK-PO UNION BANK-PO VIJAYA BANK-PO CANARA BANK-PO IBPS-PO BOI-PO IBPS-SO SYNDICATE BANK-CLERK CANARA BANK-CLERK IBPS-CLERK CENTRAL BANK-CLERK BOB-Clerk IBPS-CLERK BOI-CLERK KARNATAKA BANK-CLERK OTHER SELECTIONS-2016 OAS-2015 SELECTED CANDIDATES

ARANYA KU. PANDA DEBABRAT ROUTRAY PIPAS KUMAR BEHERA SMRUTI SWAIN SURJIT SAHOO ATISH KUMAR SAHU BISHWANATH DEHURY ASHOK KUMAR SAHOO SANTOSH KUMAR SAHU MADHUSMITA BEHERA DEBASHISA BEHERA SURUCHI PRIYADEVI BOM-PO NABARD BANK-PO BOB-PO BOB-PO INDIAN BANK-PO INDIAN BANK-PO RBI-CLERK OGB-CLERK UGB-CLERK LIC-AAO CO-OPERATIVE-PO OSSSC TRUPTI BARAI SANKALP SAHOO GOUTAM MAHALIK MANOBRATA SATPATHY SOUBHAGYA BEHERA SATYAVIKASH BHUYAN SUNITA PATI SWEEKRUTI BARPANDA KHIRABDI T. SAHOO PRATAP CH. SAHOO SOURYA RANJAN MISHRA RANK-17 RANK-45 RANK-55 RANK-67 RANK-70 RANK-72 RANK-75 RANK-84 RANK-91 RANK-104 RANK-131

AMIT KUMAR PARIDA RUTU PALLAVI DAS SWASTIKA PANDA DEBASISH SAHOO MONIKA M. JENA RAKESH ACHARYA BHAGIRATHI SETHY SUPARNA SUBHADARSINI ABHIMANYU PAL GYANADEEP DASH NARENDRA DAS BAILOCHAN PRADHAN TRIDEV RATH PRATIK PATTNAIK SANGRAM PARIDA SHEETAL AGARWAL GYANI MOHANTY SWETAPADMA DHAL SANJIT SUMAN RAJIV DAS PREETAM KUMAR RATH SAGARIKA SAHU TAPAS DEHURY RANK-174 RANK-194 RANK-199 RANK-267 RANK-326 RANK-352 RANK-364 RANK-406 INDIAN BANK-PO RURAL BANK-PO BOB-PO BOB-PO BOB-PO ICICI BANK-PO OSSSC OPTCL-OFFICE ASST. BSNL-TTA BOB-PO ICICI BANK-PO CO-OPERATIVE BANK-PO RANK-159 RANK-214 RANK-403

And Many And Many More SOURAV DAS More Selections SUNARAM HEMBRAM RAJESH SETHI BIJAYA TOPPO MITALI M. PATRA SURENDRA GHADAI BHANUPRIYA SABAR APARNA BHOI ASHOK MAJHI BAIDYANATH MURMU SUDIPA JENA AKHILANAND PURUSOTTAM DEEPAK KUMAR JENA ASHUTOSH BARIK SANTANU KU. SETH PRIYANKA S. ROUT TULU KUMAR SAHU SUMITA BEHERA PRIYANKA NAYAK SUMAN KUJUR PRITAM SWAIN Selections RANK-451 RANK-470 RANK-474 RANK-481 RANK-494 RANK-577 RANK-645 RANK-665 RANK-668 OSSSC OSSSC UBI-CLERK AXIS BANK OPTCL OPTCL OPTCL OPTCL OPTCL OPTCL OPTCL Rank - 1

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