MONTHLY ISSUE AUGUST - 2018 Vanik ’s Current Affairs Banking | Railway | Insurance | SSC | UPSC | OPSC | PSU

Page No. 118 5 NO. OF PRACTICE SET FOR GA Asked TOPPERS’ TALK SBI-Clerk (Main) RANK RANK in All Bank SBI- PO (Prelim) 63 98 Exam - 2017 SSC-CGL (Tier-I) (Part-2) Railway Group-D (Prelim) Railway-ALP (Prelim)

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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 FOR CLASSES COMPARE TO ALL OTHER INSTITUTE. 18. Weekly Current Affairs handout separately. 2. Highest no of Classes from basic to advance level. 19. Weekly newspaper reading classes. 3. Highest no of hours in every subject for better understanding. Total hours for 20. One month free online test (MTD – Banking Test & Discussion) and six month banking - 450+HRS (6 MONTHS DAILY 2 HRS CLASS) AND SSC - 750+ HRS (6 free practice test (TBT, SBT, MCT, FPT & PPT) MONTH DAILY 4 HRS CLASS) 21. Two month free online test (MTD, VTD) and six month free practice test (TBT, SBT, MCT, FPT & PPT) 4. Separate vocabulary class (1000 - BANKING AND 2000 WORDS - SSC) (Weekly 22. Interview classes , mock interview with video recording and analysis Once) 23. Personal development and group discussion class 5. Special class for upcoming exams. 24. LARGEST ONLINE TEST PLATFORM (VOTE - VANIK ONLINE TEST AND 6. Separate traditional GK class for easy remember GK in the class itself. EXPLANATION ) Separately for Bank PO, Bank Clerk, SSC & Railway 7. Time to Time motivational class and classes how to crack the exam by our experts. 25. Weekly 3 online mock test of upcoming exams with discussion (MTD- MOCK TEST 8. Separate Doubt clearing classes , personal doubt clear with faculty. & DISCUSSION and VTD - VANIK TEST & DISCUSSION ) 9. Daily class test of every class after the class (Offline) 26. Online weekly class test of all batch (YOU CAN GIVE EVERY BATCH CLASS TEST 10. Weekly test of weekly covered topics of all subjects (Online) ONLINE (CTD- CLASS TEST & DISCUSSION 11. Monthly class test for monthly cover topics. 27. Unlimited online practice tests as per your choice (MCT - MY CHOICE TEST). 12. Class room assignment practice and discussion of every topic in class it self 28. Separate online test subject wise and topic wise test ( SBT - SUBJECT BASED TEST 13. Daily current affair handouts before the class AND TBT - TOPIC BASED TEST). 14. Weekly current affair class with weekly C/A question & 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 AND 35+ VOLUMES 31. 24 hrs study room for self study FOR SSC. 32. Highest level of success rate. 17. Daily Quiz (Banking & SSC Separately). 33. Descriptive English Classes. OAS-2015 SELECTED CANDIDATES JYOTIKANTA BHUJABAL RANK-31

And Many More 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 Selections RANK-17 RANK-45 RANK-55 RANK-67 RANK-70 RANK-72 RANK-75 RANK-84 RANK-91 RANK-104 RANK-131 2 OFS-2015 SELECTED CANDIDATES

TRIDEV RATH PRATIK PATTNAIK SANGRAM PARIDA SHEETAL AGARWAL GYANI MOHANTY SWETAPADMA DHAL SANJIT SUMAN RAJIV DAS PREETAM KUMAR RATH SAGARIKA SAHU DEHURY RANK-159 RANK-174 RANK-194 RANK-199 RANK-214 RANK-267 RANK-326 RANK-352 RANK-364 RANK-403 RANK-406 SANDIP KUMAR PRUSTY SATABDI MISHRA SUBHADARSHINI MOHANTY AISHA AKHATARI NISHA SWEEKRUTI BARPANDA RANK-7 RANK-18 RANK-19 RANK-20 RANK-22

And And Many Many SOURAV DAS More Selections More SUNARAM HEMBRAM RAJESH SETHI BIJAYA TOPPO MITALI M. PATRA SURENDRA GHADAI BHANUPRIYA SABAR APARNA BHOI ASHOK MAJHI BAIDYANATH MURMU SWAGATIKA SAHOO RASHMI R. SWAIN DEBIPRASAD ROUT ADISMITA NAIK JAYASHREE MURMU Selections 1 RANK-451 RANK-470 RANK-474 RANK-481 RANK-494 RANK-577 RANK-645 RANK-665 RANK-668 1 RANK-24 RANK-26 RANK-36 RANK-63 BANKING STUDY MATERIAL (25nos.) SSC STUDY MATERIAL (35nos.) Reasoning APTITUDE ENGLISH VANIK AN K NI VA K NI VA K NI VA AN K NI VA K NI VA VANIK

for APTITUDE APTITUDE for Bank PO, Clerical & for Bank PO, Clerical & H BANKING Bank PO & Clerical LIS Awareness Bank PO, Clerical & REASONING G y & SSC Railway & SSC Bank PO & Clerical | SSC & Railway EENGLISHN Railwa Bank PO & Clerical Bank PO & Clerical Banking Awareness General Awareness All Other Competitive Examinations All Other Competitive Examinations All Other Competitive Examinations

Topicwise Theory with Solved Examples Topicwise Theory with Solved Examples Topicwise Theory with Solved Examples Topicwise Theory with Solved Examples Assignment - I Assignment - II Assignment - I Assignment - II Assignment - I Assignment - II (Class Room Practice) (Home Work Practice) Assignment - I Assignment - II (Class Room Practice) (Home Work Practice) (Class Room Practice) (Home Work Practice) (Class Room Practice) (Home Work Practice)

Leading Institute for Banking, Railway & SSC Leading Institute for Banking, Railway & SSC Leading Institute for Banking, Railway & SSC P u b l i c a t i o n s Leading Institute for Banking, Railway & SSC P u b l i c a t i o n s P u b l i c a t i o n s P u b l i c a t i o n s Message from Director Vanik Publications

EDITOR Mr. Pramod Padhi ASSOCIATE EDITOR Satabdi Sagar Mohanty

ADVISORS G. Khatua & Dear Students, Team R & D The ultimate date for your performance & excellence has PUBLISHING MANAGER arrived, as the exam season has started with SBI-Clerk to be followed Smrutiranjan Chhatoi by series of exams to reach your ultimate dream career. Be composed, DESIGNING & LAYOUT feel confident, keep trust on Almighty and self, success will be yours. Vijaya Maharana

For the Civil Service Aspirants after the UPSC (Prelim) it is Publisher : Subrat Kumar Chhatoi time for consolidation for the Mains. Emphasise on writing answer Printed and Published by : Vanik Publication Printed at : Bhagabati Press which is crucial for success in Civil Service. The freshers should chalk out their strategy planning for one year to make their preparation more effective in Prelim cum Main approach. Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Website : www.vanik.org | Phone : 8093556677, 9040456677 Practice makes a person perfect. More you are into it more ______© Copyright Reserved nearer you are to your ultimate goal. VANIK is always with you  No part of this magazine can be printed in whole or part without the written permission of the with all kinds of support. Your labour & our mentorship will bring publisher.  The editor and publisher have tried their best to success for you and more repution for us. verify the factual accuracy of the informations published, but do not take any responsibility for the absolute accuracy of the informations in the magazine.  All disputes subject to Bhubaneswar () Wishing you all the Best Jurisdiction. Subrat Kumar Chhatoi

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Page Economy & Banking

Page International Page National Page 8 News 10 News 13

Page Page Page Bilateral State News Award and 15 18 20 Honour Page Person in Page Places in Page Sports 21 News 23 News 25 Page Science & Page Environment Page Defence 27 Technology 29 & Ecology 30

Page Page Page 31 Committee 31 Summit 32 Book & Author

Page Page Page 33 Miscellaneous 34 35One Liner VANIK QUESTION HUB Page 200 MCQ on Page 100 MCQ on Page 40 MCQ on Page 20 Special MCQ 38 Current Affairs 47 SSC/Railway 51Computer 53 on Banking PRACTICE SET

VANIK EXTRA DOSE

Page Page Page GA asked in Who’s Who Abbreviation 109 115 118all Bank Exam-2017

Page Page IAS/OAS SECTION 129 Event of the Month 122 (Disaster Management) MAGAZINE FOR THE MONTH OF AUGUST 2018

As per the report, UCBs with capital funds in the range of Rs 100 crore to Rs 500 crore may be granted facilities akin to Small Finance Banks in the private sector. It had further stated that a business size of ECONOMY Rs 20,000 crore could be considered the threshold limit, beyond which UCBs may convert themselves into commercial banks RBI raises home loan limits under priority sector lending (a) The Reserve raised the housing loan limits under priority sector lending (PSL) for economically weaker sections and lower income groups. (b) Home loans up to Rs 35 lakh in metros (with population of 10 lakh and above) will now qualify for the benefits of priority sector lending, against up to Rs 28 lakh earlier. (c) Home loans up to Rs 25 lakh will now qualify under PSL for other centres, compared with Rs 20 lakh earlier. (d) Loans given under PSL are less expensive than RBI IN NEWS those provide by the banks in their ordinary course. The RBI releases Second Bi-monthly Monetary Policy Statement move is expected to make it easier to get loans for housing 2018-19 schemes classified as affordable housing in cities. (e) The overall cost of the dwelling unit in the metropolitan The (RBI) on June 6, 2018 released its centre (with population of ten lakh and above) and at Second Bi-monthly Monetary Policy Statement 2018-19.The six other centres should not exceed Rs 45 lakh and Rs 30 members Monetary Policy Committee (MPC) decided to: lakh, respectively. • Increase the policy Repo Rate under the Liquidity Some fact Adjustment Facility (LAF) by 25 basis points to 6.25 • Under the PMAY, the government is aiming to build 3 percent. crore houses in rural areas and 1 crore in urban centres. • The Reverse Repo Rate under the LAF stands adjusted • More than 47 lakh houses have already been sanctioned to 6.0 percent. in urban areas and more than one crore in rural areas. • The Marginal Standing Facility (MSF) rate and the Bank • The outlay for PMAY-Urban in FY19 is Rs 31,500 Rate stand at 6.5 percent. crore.The outlay for PMAY-Rural for the current • CRR at 4% and SLR at 19.5% financial year is Rs 33,000 crore. (1) The decision of the MPC was consistent with the monetary policy in consonance with the objective of RBI Implements Interest Subsidy Scheme on Short-Term achieving the medium-term target for Consumer Price Crop Loans of Rs 3 lakh through DBT mode Index (CPI) inflation of 4 percent within a band of +/- 2 As per the recent notification by the Reserve Bank of India (RBI), per cent. the interest subsidy scheme on short-term crop loans of up to Rs (2) The RBI retained GDP growth for 2018-19 at 7.4 percent 3 lakh will be implemented through (DBT) (3) Retail inflation estimate to 4.8-4.9 percent for the first mode from the current financial year (2018-19). The government half of 2018-19 and 4.7 percent in the second half. has earmarked Rs 15,000 crore for 2018-19 towards interest (4) Considering the level of non-performing assets (NPAs) subvention scheme(ISS) for short-term crop loans. As per the for the ticket size of up to Rs 2 lakh as high, RBI asked scheme, farmers can avail of short-term crop loans of up to Rs 3 banks to strengthen their screening and follow up in lakh at subsidised interest rate of 7 percent that could go down to respect of lending to this segment in particular. 4 percent on prompt repayment. RBI allows Urban Co-operative Banks to become Small RBI allows banks to spread MTM losses Finance Banks The Reserve Bank allowed banks to spread their mark-to-market The Reserve Bank of India (RBI) on June 6, 2018 decided to allow (MTM) losses for the June quarter as well. The had voluntary transition of the Urban Co-Operative Banks (UCB) into also asked banks to build an Investment Fluctuation Reserve (IFR) Small Finance Banks (SFB), a move that is aimed at bringing UCBs of 2% of their holdings. In April, RBI had given banks an option to into mainstream banking. The move is an outcome of the spread provisioning for MTM losses recorded on their investment recommendations made by the High Powered Committee on Urban portfolio. Cooperative Banks in August 2015. The committee was chaired by R Gandhi, the then Deputy Governor of the RBI.

3 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018

RBI to set up Public Credit Registry to curb bad loans p.a. for regular Green Future: Deposits and 8.00%* p.a. for Senior The Reserve Bank of India (RBI) on June 6, 2018 announced to set Citizens. up a Public Credit Registry, an information repository that has all -Headquarters: , CEO: Rana Kapoor) loan information of individuals and corporate borrowers. The move is based on the recommendations of a committee headed by Y.M. HDFC Bank recognized for best practices in payment Deosthalee that was set up in 2017. The committee submitted its security report in April 2018. HDFC Bank has been conferred with the Champion Security Award 2018 at the 14th Visa Pacific Security Summit for second time OTHER BANKS in a row in the India and South Asia category. The Award is a mark unveils KBL Deposit Only Card of excellence reflecting leadership in risk management and payment Karnataka Bank has unveiled a novel card variant KBL Deposit security performance. It recognizes banks who apply international Only Card, which enables hassle free cash deposit transaction at best practices to every aspect of keeping electronic transactions Banks 24×7 e-Lobby services. This card is specially meant for secure. Banks Current/Overdraft customers and by using this card they Yes Bank inks MoU with SIDBI to provide loans to SMEs, can perform card based cash deposit transactions even with higher MSMEs deposit limit at Banks Bunch Note Acceptor (BNA) / Cash Yes Bank has signed an MoU with Small Industries Development Recycler kiosks. The limit for the cash deposit a day is Rs 10 lakh. Bank of India (SIDBI) to become the preferred financial institution Muthoot Fincorp, NSDC to train 10,000 youth under to extend banking facilities to small and medium enterprising (SME) PMKVY customers of SIDBI. Small Industries Development Bank of India Muthoot Fincorp Limited has announced its partnership with (SIDBI) acts as the Principal Financial Institution for the National Skill Development Corporation to train over 10,000 youth Promotion, Financing and Development of the Micro, Small and over the next three years and make them job ready. With the Medium Enterprises (MSME) sector. partnership, Muthoot Fincorp claims to have become the first HDFC Bank will now offer Digital Loans against your mutual major private sector player to partner with National Skill funds Development Corporation (NSDC) to launch the Pradhan Mantri Indias most valuable lender HDFC Bank has launched Digital Loans Kaushal Vikas Yojana (PMKVY-2) programme. against Mutual Funds in partnership with transfer agent CAMS. is a campaign launched by Prime Minister Narendra Customers can now pledge mutual fund assets online and get Damodardas Modi on 15 July 2015 which aim to train over 40 overdraft limit set in their account in under 3 minutes, the bank crore people in India in different skills by 2022. PMKVY scheme claimed. under the skill India, will cover 10 million (1crore) youth during the period 2016 -2020.An allocation of Rs. 12,000 crores has been Yes Bank empaneled as Settlement Bank by National Stock made for the period 2016 - 2020. Exchange MARG ERP partners with ICICI Bank for accounting and Yes Bank has received approval from National Stock Exchange to banking solutions be enrolled as Settlement Bank for National Securities Clearing Corporation (NSCCL), a wholly owned subsidiary of NSE. YES Marg ERP limited, a leading Enterprise Resource Planning (ERP) BANK will provide comprehensive Settlement & Clearing services company has partnered with ICICI Bank to offer an integrated suitable to the members by leveraging its state-of-the-art payments platform to Micro, Small and Medium Enterprise Technology platform coupled with superior service excellence and (MSME) customers, using Margs accounting software.This constant innovation integration aims to promote Connected Banking and enables ICICI Banks current account holders to securely connect their bank HDFC ERGO brings its AI chatbot service DIA on Google account with the MARG ERP software and undertake an array of Assistant digital transactions from within the ERP platform itself. General insurance company HDFC ERGO launched its Artificial YES BANK Launches Indias First Ever Green Deposit Intelligence (AI)-enabled chatbot “DIA” on Google Assistan to Product enable users to access the service through Googles home device. With DIA, the company aims to provide instant solutions to user Yes Bank, Indias fourth largest private lender, has launched the queries related to general insurance through a simple voice command first-ever green deposit scheme named Green Future: Deposit. — “Ok Google, Talk to HDFC ERGO”. A chatbot is a computer The Bank has set the target to raise up to Rs. 1,000 crore via this program or an artificial intelligence which conducts a conversation novel product offering. via auditory or textual methods. Ritesh Kumar, Managing Director It can be opened for a tenure of 18 months and 8 days to 18 and CEO, HDFC ERGO. Headquarters: Mumbai months and 18 days, with best-in-class peak interest rate of 7.50%

4 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 KEY ISSUES Northeast India’s first small bank “North East Small Finance for using USSD based mobile banking. It is envisioned to provide financial bank” starts operation deepening and inclusion of underbanked society in the mainstream banking Tata Trust chairman Ratan Tata and Assam’s finance minister Himanta Biswa services. Sarma launched the first 28 branches of Northeast India’s first small bank, North East (NESFB) Rashtriya Gramin Vikas Nidhi (North Piyush Goyal announces setting up committee for asset East) Microfinance Limited received the Small Finance Bank License from reconstruction companies the Reserve Bank of India (RBI) on March 31, 2017. Rupali Kalita, MD & Finance Minister Piyush Goyal has announced setting up of a committee to give CEO NESFB recommendations on the formation of an Asset Reconstruction Company for 1) Existing non-banking financial companies (NBFC), microfinance faster resolution of stressed accounts of public sector banks. The committee is institutions (MFI) and Local Area Banks (LAB) can apply to chaired by Sunil Mehta, the non-executive Chairman of become small finance banks.The firms must have a capital of An Asset Reconstruction Company is a specialized financial institution that buys at least Rs 100 crore the NPAs or bad assets from banks and financial institutions so that the latter can 2) The promoters should have 10 years experience in banking clean up their balance sheets. Or in other words, ARCs are in the business of and finance. buying bad loans from banks. 3) The promoters stake in the paid-up equity capital will be at As per amendment made on the SARFAESI Act in 2016, an ARC should have a least 40% initially but must be brought down to 26% in 12 years. minimum net owned fund of Rs 2 crore. The RBI plans to raise this amount to Rs Joint ventures are not permitted. 100 crore by end March 2019. Similarly, the ARCs have to maintain a capital 4) FDI allowed up to a maximum of 74 per cent of the paid-up adequacy ratio of 15% of its risk weighted assets. capital of the bank.At all times, at least 26 per cent of the paid- RBI amends Gold Monetisation Scheme to make it more up capital will have to be held by residents. attractive 5) They are established as public limited companies in the private The Reserve Bank of India (RBI) has made changes in the Gold Monetisation sector under the Companies Act, 1956. Scheme (GMS) to make it more attractive. The revamping of the scheme is 6) They are governed by the provisions of Reserve Bank of India aimed at enabling people to open a hassle-free gold deposit account. Act, 1934, Banking Regulation Act, 1949 and other relevant (1) The short-term deposits should be treated as bank’s on-balance statutes. sheet liability. These deposits will be made with the designated banks 7) 75% of its net credits should be in priority sector lending for a short period of 1-3 years . Deposits can also be allowed for 8) Small banks will offer deposit services as well as loan broken periods (e.g. 1 year 3 months and 2 years 4 months 5 days) disbursements (2) The Medium Term Government Deposit (MTGD) can be made for 5- M K Jain named new RBI deputy governor 7 years with Rate of interest at 2.25% p.a.These deposits can be (a) Mahesh Kumar Jain, MD & CEO of IDBI Bank was appointed as withdrawn any time after 3 years. the fourth deputy governor of the (3) Long Term Government Deposit (LTGD) can be made for 12 to 15 Reserve Bank of India on June 4, years with Rate of interest at 2.50% p.a. 2018. He would be serving a term (4) These deposits can be withdrawn any time after 5 years. of three years. The duration (b) The fourth deputy governor’s post and rate of has been vacant since SS Mundra interest on retired on July 31, 2017. Medium and (c) There are 4 deputy governors- BP Long Term Kanungo, N S Vishwanathan and Government Viral Acharya, Mahesh Kumar Jain. Deposits will (d) NOTE-Sudha Balakrishnan, a former vice president at National be decided by Securities Depository Ltd., assumed charge as the first Chief C e n t r a l Financial Officer (CFO) of the Reserve Bank of India (RBI) on 15 Government May 2018. and will be (e) Uma Shankar, chief general manager (CGM) in charge of the notified by Reserve Bank of India’s financial inclusion and development Reserve Bank of department has taken over as executive director (ED) in the India from time to central bank. time. The periodicity of RBI organises ‘Financial Literacy Week’ interest payment The Reserve Bank of India (RBI) will observe financial literacy week from on these deposits is June 5-9 across the country. The financial literacy week will focus on four annual and will be broad themes—Know Your Customer (KYC), Exercising Credit Discipline, paid on March 31 every year. Grievance Redressal and Going Digital (UPI and *99#) Gold Monetisation Scheme Customers will be told through banners and posters that in case of • In 2015, the government launched the Gold Monetisation Scheme unauthorised digital transaction if bank is informed within 3 days, the liability with the objective of mobilising the gold held by households and of the account holder is zero. Resolution of complaint is to be done by the institutions in the country. bank concerned within period not exceeding 90 days from the date of receipt • The minimum deposit at any one time shall be 30 grams of raw gold, of the complaint. be it bars, coins, jewellery excluding stones and other metals. There UNSTRUCTURED SUPPLEMENTARY SERVICE DATA (USSD) is no maximum limit for deposit under the scheme. UPI is also available as a mobile phone USSD service. The innovative • payment service *99# works on Unstructured Supplementary Service Data The tenure of gold deposits starting minimum from one year. (USSD) channel. This service allows mobile banking transactions using basic feature mobile phone, there is no need to have mobile internet data facility ♦♦♦♦

5 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 RATING AND SURVEY WhatsApp Introduced payments service in India World Bank forecasts 7.3 per cent growth for India in WhatsApp has introduced beta testing of WhatsApps payments FY2018-2019 service in India. Almost one million people are “testing” the service The World Bank has forecast a growth rate of 7.3 percent for India over last few months.WhatsApp had earlier taken permission from for 2018-19 and 7.5 percent for the next two years, making it the the NPCI to tie up with banks to facilitate financial transactions fastest growing country among major emerging economies. World via the Unified Payments Interface (UPI). Bank-Headquarters: Washington, D.C. President: Jim Yong Kim, CEO: Kristalina Georgieva IRDAI Sets Up Panel To Review Norms For Marketing NOTE: Global Economic Prospects published by World BANK Firms • Ease of Doing Business-IBRD (World Bank), World The Insurance Regulatory and Development Authority of India Development Report-IBRD (World Bank) (IRDAI) has formed a 10 member panel to review norms related to • Global Financial Stability Report, World Economic insurance marketing firm (IMF) with an aim to increase insurance Outlook - IMF (International Monetary Fund) penetration in the country. The committee is headed by Suresh • Global Information Technology Report, Travel and Mathur, Executive Director of IRDAI, with nine more members. Tourism Competitiveness Report and Global IRDAI-founded:1999,Headquarters: Hyderabad, Agency executive: Competitiveness Report (GCR) report published by Subhash Chandra Khuntia (Chairman) WEF (World Economic Forum). Intra-state e-way bill comes into force WPI inflation spikes to 14-month high of 4.43% in May on costlier fuel , Manipur & 5 union territories have rolled out intra- Inflation based on wholesale prices shot up to a 14-month high of state e-way bill system for movement of goods worth over Rs 4.43 percent in May on increasing prices of petrol and diesel, 50,000 within the state. With this, the number of States, where the prompting industry to demand action from policymakers to keep system is being implemented will go up to 27. E-Way Bill is an fuel prices under check. The previous high was in March 2017, electronically generated document which is required to be generated when the WPI inflation stood at 5.11 per cent. for the movement of goods of more Rs. 50,000 from one place to another Fitch Raises Indias growth forecast to 7.4% for FY19 and 7.5% for FY20 True Balance partners with Bharat Bill Payment Operating Fitch Ratings has raised Indias growth forecast for 2018-19 to 7.4 Unit percent from 7.3 percent due to higher financing costs and rising True Balance, a and Financial Services Platform has oil prices as risks to growth. For 2019-20, it estimated the country announced a tie up with Bharat Bill payment operating Unit to grow at 7.5 percent. Fitch- Headquarters: New York City,CEO: (BBPOU), an RBI conceptualized system, to facilitate quick and Paul Taylor easy bill payments. Moodys trims GDP growth forecast for 2018 to 7.3% NOTE : International agency rating Moodys Investor Services has cut 1. Bharat Bill Payment System (BBPS) is an integrated bill Indias growth forecast to 7.3 percent from the previous 7.5 percent payment system which will offer interoperable bill for calendar year 2018. However, it has maintained the estimate payment service to customers online as well as through for 2019 at 7.5 percent in its report on Global Macro Outlook: a network of agents on the ground. 2018-19 (May 2018 Update). 2. Bharat Bill Payment Central Unit (BBPCU) will be a single authorized entity operating the BBPS. National OTHER FINANCIAL NEWS Payment Corporation (NPCI) has been identified to act EPF interest rate hits 5-year low at 8.55% as BBPCU. Government is likely to notify this week the 5-year low 8.55% 3. Bharat Bill Payment Operating Units (BBPOUs) will be interest on EPF for 2017-18 as against the interest rate of 8.65% for 2016-17. The Central Board of Trustees (CBT), the apex authorised operational entities, adhering to the standards decision making body of the Employees Provident Fund set by the BBPCU for facilitating bill payments online Organisation (EPFO), headed by the Union Labour Minister, had as well as through a network of agents, on the ground. decided to fix 8.55% interest for 2017-18 in its meeting held on 4. The total number of Bharat Bill Payment Operating Unit February 21, 2018. The EPFO had provided 8.65 per cent interest (BBPOU) certified by NPCI now stands at 24. for 2016-17. NOTE-UAN is Universal Account Number. The UAN is a 12- FDI in India fell by USD 4 billion in 2017 digit number allotted to employee who is contributing to EPF will According to latest World Investment Report 2018 released by be generated for each of the PF member by EPFO. UNCTAD, Foreign Direct Investment to India decreased to $40 billion in 2017 from $44 billion in 2016 according to a new trade report by the UN. FDI in India decreased by $4 billion (Rs 26,000 crore) in 2017 while there was outflow of $11 billion.

6 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018

United Nations Conference on Trade and Development: INVESTMENT & ALLOCATION Headquarters: Geneva, Switzerland.Head- Mukhisa Kituyi NOTE: Mauritius is the largest source of foreign investment in SoftBank to invest up to $100 billion in Indian solar India, followed by the US and the UK SoftBank Group Corp has decided to invest $60 billion-$100 billion in a solar power project in India.The company is expected to make Income Tax Department launches new Benami Transactions the investment through a fund backed by Saudi Arabias Informants Reward Scheme, 2018 government, NHK said. Saudi Arabia is the largest investor in The Income Tax Department has issued a new reward scheme SoftBanks Vision Fund. SoftBank-Headquarters: Minato, Tokyo, titled “Benami Transactions Informants Reward Scheme, 2018” to Japan.CEO: Masayoshi Son seek peoples participation in the Income Tax Departments efforts to unearth black money and to reduce tax evasion. Under the Benami World Bank approves Rs. 6,000 crore Transactions Informants Reward Scheme, 2018, a person can get The World Bank has approved Water Resources and River reward up to Rs. 50 lakh for giving specific information about Development Ministrys Rs 6000 crore worth central sector scheme, substantial evasion of tax on income or assets in India which are Atal Bhujal Yojana. The scheme will be implemented over a period actionable under the Income-tax Act, 1961. of five years from 2018-19 to 2022-23 with assistance from the Besides, Rs. 1 crore for giving specific information about benami World Bank. Under the scheme, funds will be provided to the transactions and properties as well as proceeds from such properties states for strengthening the institutions responsible for the which are actionable under Benami Property Transactions Act, governance of ground water as well as for encouraging community 1988, as amended by Benami Transactions (Prohibition) involvement for improving ground water management to foster Amendment Act, 2016. Giving information about stashed black behavioural changes that promote conservation and efficient use of money can fetch individuals up to Rs 5 crore water. CORPORATE AFFAIR Government, World Bank sign agreement worth $500m for PhonePe, Ola Tie-Up For Hassle-Free Cab Auto Bookings PMGSY rural roads project The Union Government signed a $500 million loan agreement with Payments platform PhonePe has partnered with worlds largest the World Bank to provide additional financing for the Pradhan taxi aggregator, Ola to offer a hassle-free cab and auto booking Mantri Gram Sadak Yojana (PMGSY) Rural Roads Project. The experience to the users. The tie-up will enable users to now book project, implemented by the Union Rural Development ministry, an Ola using the PhonePe app. aims to build 7,000 km of climate resilient roads, out of which PhonePe- PhonePe is a Fin-Tech company headquartered in 3,500 km will be constructed using green technologies. Bangalore, India. It provides online payment system based on Unified Payments Interface (UPI), which is a new process in World Bank to lend $21.7 mn for s public electronic funds transfer launched by National Payments financial management Corporation of India (NPCI). Founder & CEO-Sameer Nigam. India has signed a $21.7 million loan agreement with the World Ola Cabs-Founded: 3 December 2010, Bengaluru, Founder and Bank for strengthening public financial management in Rajasthan. CEO: Bhavish Aggarwal The total project size is approximately $31 million, of which $21.7 Infosys completes acquisition of WongDoody million will be financed by the World Bank, and the remaining amount will be funded-out of the state budget The duration of the The global leader in consulting, technology and next-generation project is five years. service firm Infosys has announced that it has completed the acquisition of US-based Wongdoody for nearly $75 ADB approves loan to improve Madhya Pradeshs irrigation million.WONGDOODY is an award-winning creative and consumer system insights agency with studios in Seattle and Los Angeles. The Asian Development Bank (ADB) has approved a $375 million Infosys-Founders: N. R. Narayana Murthy.CEO: Salil Parekh (Rs 2,529 crore approximately) loan for a project to improve Microsoft acquires Github for $7.5bn irrigation in Madhya Pradesh to help double farmers income. The Tech giant Microsoft has announced to acquire San Francisco based total cost of the project cost is USD 535.1 million, of which USD software development platform GitHub for $7.5 billion. Created 160.71 million will be provided by the government. It is estimated in 2008, GitHub allows code developers to cooperatively manage to be completed by September 2025. software by collaborating with each other on their work and has more than 28 million users around the world including Microsoft.GitHubs current CEO, Chris Wanstrath, will become a ♦♦♦♦ Microsoft technical fellow, reporting to Executive Vice President Scott Guthrie. Microsoft Corporation-Founded: 4 April 1975, Founders: Bill Gates,CEO: Nadella

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implementing the three-year plan to combat terrorism, separatism and extremism. The Shanghai Cooperation Organisation (SCO) was formed in 2001 in Shanghai, China. Headquarters: Beijing, China, Secretary General: Rashid Alimov. Member Country: 8 (China, Russia, Kazakhstan, Uzbekistan, Kyrgyzstan, Tajikistan, India and ) China confers highest state honour on Putin Chinas President Xi Jinping has awarded the highest state honour to Russian President Vladimir Putin, a move that signals the close relationship between the two countries. The Friendship Medal of the Peoples Republic of China was presented to Mr Putin personally by Chinese President Xi Jinping during a grand ceremony held at the Great Hall of the People in Beijing. International Conference on ICT was held in Kathmandu from June 17 An International Conference on Information and 44th G7 Summit Was Held In Canada Communication Technology (ICT) was held in Kathmandu, Nepal The 44th G7 summit was held on June 8–9, 2018, in Quebec, from June 17. The Theme of two day conference is “Sustainable Canada. This was the sixth time since 1981 that Canada has hosted Development Goals for Smart Society “. The conference will the meetings. Canadian Prime Minister Justin Trudeau has hosted provide a common platform to participants to exchange their this summit. The 44th G7 summit was the first summit for Italian knowledge and discover new insides for developing a plan of action Prime Minister Giuseppe Conte. The 45th G7 summit or next G7 using sustainable ICT applications. It also seek to unleash the summit will be held in 2019 in France. The Group of Seven (G7) prospects of SMART Nepal by 2030. is a group consisting of Canada, France, Germany, Italy, Japan, the United Kingdom, and the United States. US surpassed India as top greenfield FDI investment destination: Report Trump-Kim Summit: Historic document signed The United States has surpassed India to become the top destination In a historic first, delegation level talks between US President for greenfield FDI investment in 2017, according to FDI Report Donald Trump and North Korean leader Kim Jong Un was held in 2018 compiled by FDI Intelligence, a division of The Financial Singapore. The worlds two of the most powerful leaders held a Times Ltd.As per the FDI report, the number of greenfield FDI brief one-on-one meeting at the Capella Hotel in Sentosa Island projects in India during the year fell sharply by 21 percent to 637. before beginning with their delegation level talks. . India had maintained the numero uno (Better) slot in Greenfield The bilateral summit is aimed at normalising ties and resolve seven FDI investment in 2015 and 2016. However, in 2017, the US decades of hostilities between the worlds largest nuclear power reclaimed the spot from India, recording USD 87.4 billion of and the largely isolated, North Korean state. announced Foreign Direct Investment (FDI). In the Asia and Pacific South Korean President Moon Jae-in has played a crucial role in region, China was on top in terms of FDI in total number of new setting up the diplomatic developments between the US and North projects and capital investment, followed by India. Korea. This is the first time that a sitting US president has met a North Korean leader in the last 60 years. US unveils worlds most powerful supercomputer NOTE : (a) US scientists have unveiled the worlds most powerful • North Korea-Capital: Pyongyang, Supreme leader: Kim and smartest scientific supercomputer that can complete Jong-un, Currency:won over 2,00,000 trillion calculations per second — providing • South Korea-Capital: Seoul, President: Moon Jae- unprecedented computing power for research in energy, in,Prime minister: Lee Nak-yeon,Currency: won advanced materials and artificial intelligence (AI). • Boundary line between North Korea and South Korea is (b) The US Department of Energys Oak Ridge National called-38th Parallel Laboratory (ORNL)supercomputer called Summit will be eight times more powerful than its previous top-ranked SCO Summit adopts declaration calling for 3-year plan to system, Titan. combat terrorism The 18th Summit of the Shanghai Cooperation Organization (SCO) held from 9-10 June 2018 in Qingdao, China concluded with the adoption of the Qingdao declaration. The declaration calls for

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Record-breaking astronaut Peggy Whitson retires from Columbia formally joins NATO NASA Columbia has formally joined the North Atlantic Treaty NASA Astronaut Peggy Whitson, who has spent more time in Organization (NATO) and thus become the first Latin America space than any other American, retired from NASA on June 15. nation to attain global partner status privilege. The other member The 58-year-old NASA astronaut holds the US record for most nations of NATO includes Afghanistan, , , Japan, the cumulative time in space spending a record-breaking 665 days in Republic of Korea, Mongolia, New Zealand and Pakistan.(NATO- space. Headquarters:Brussels, Belgium. Secretary General: Jens She also claimed the title for most spacewalks by a woman – 10 Stoltenberg) spacewalks totalling 60 hours and 21 minutes — and set the record for most time spent in space by a US astronaut, placing eighth on Worlds longest surface-to-air missile test was conducted the all-time space endurance list. by Russia quietly Russia quietly conducted the worlds longest surface-to-air missile Japan adopts economic plan that allows more foreign test. The S-500 surface-to-air missile system successfully struck a workers target 299 miles away, which the U.S. assessed is 50 miles further Japans Cabinet has adopted an economic plan that would allow than any known test. Russia claims that the ground-based missile more foreign workers to join Japanese companies as the rapidly system is capable of intercepting hypersonic missiles, drones, aging country seeks to make up for its declining workforce. Under aircraft as well as stealth warplanes like the F-22 and the F-35. the plan, Japan would relax visa requirements in sectors facing severe labor shortages such as nursing care, agriculture, construction Russia successfully launched Glonass- M positioning and transport. satellite Russia successfully launched a new navigation satellite, Glonass- US Pacific Command Renamed As Indo-Pacific Command M positioning satellite, using a Soyuz-2.1b carrier rocket. The The United States has renamed its strategically important Pacific Glonass-M navigation craft, built by ISS Reshetnev in Command (PACOM) to the U.S. Indo-Pacific Command in a move Zheleznogorsk, Russia, lifted off from the Plesetsk Cosmodrome to signal Indias importance to the US military. Henceforth, the space center in northern Russia. The Glonass network provides storied US Pacific Command, or PACOM, which was formed after real-time positioning data for surface, sea and airborne objects World War II, will be known as the US Indo-Pacific Command. around the globe, at an accuracy reportedly on par with the U.S. Earlier, the Donald Trump administration renamed Asia-Pacific to Global Positioning System. With this there are now 26 Glonass Indo-Pacific to count India as a key partner in its strategic planning. satellites in orbit. China Successfully Launches New Earth Observation Saudi Arabia, UAE launch 44 joint projects Satellite Saudi Arabia and the United Arab Emirates (UAE) has announced China successfully launched a new Earth observation satellite, a new alliance of joint economic, development and military strategy Gaofen-6, which will be mainly used in agricultural resources through 44 projects to further push strong ties between the two research and disaster monitoring. The satellite was launched on a countries. The two countries named the new cooperation Long March-2D rocket from the Jiuquan Satellite Launch Centre “AlaAzm”, which means determination. The strategy focuses on in northwest China. It was the 276th mission of the Long March three aspects: economy, human and knowledge, and politics, rocket series. A scientific experiment satellite named Luojia-1 was security and military. sent into space at the same time. INDEX Nepal celebrates 11th Republic Day Jeff Bezos becomes richest man in the world Nepal observed its 11th Republic Day on May 29, 2018 at Army According to Forbes Worlds Billionaires list , With $141.9 billion Pavilion in Kathmandu. The Republic Day programme was Amazon founder and CEO Jeff Bezos has become the richest man attended by President Bidya Devi Bhandari, Vice President Nanda in the world. Bill Gates, the founder of Microsoft Corporation is Bahadur Pun, Prime Minister K.P.SharmaOli.On May 28, 2008, the second-richest man followed by Warren Buffet(American the Constituent Assembly of the Himalayan nation declared Nepal business magnate) in the third place a Federal Democratic Republic, abolishing the 240 year-old monarchy. tops Niti Aayogs Water Management Index Coca-Cola launches its first alcoholic drink in Japan Gujarat has emerged as the best state on Niti Aayogs composite water management index (CWMI) in the country followed by US drinks giant Coca-Cola has launched its first alcoholic drink, a Madhya Pradesh, , Karnataka and Maharashtra. lemon flavoured alcopop, in Japan in a bid to tap new markets and In northeastern and Himalayan states, Tripura has been adjudged consumers especially women. The company has launched three as the top state in 2016-17. Jharkhand, Haryana, Uttar Pradesh new “Lemon-Do” drinks — containing three, five and seven percent and Bihar are worst performing states in water management. alcohol. These drinks are modelled on the countrys popular “Chu- Hi” drinks, usually a mix of local spirit and a range of fruit flavours. Forbes: The Worlds Largest 2000 Public Companies • There are a total of 58 Indian companies on the overall list of 2,000 firms from across the world. These include Reliance Industries at 83rd place, the only from India in

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the top-100. Besides, HDFC Bank is at 202nd, ONGC South Sudan, Iraq and Somalia round up the list of five at 266th, Indian Oil at 270th and ICICI Bank at 320th. least peaceful countries. • Industrial and Commercial Bank of China(ICBC) has • Iceland-Capital: Reykjavik,Currency:króna. Syria- topped the list followed by 2- China Construction Bank, Capital: Damascus,Currency:Pound 3-JPMorgan Chase(USA) ,4-Berkshire Hathaway(USA), 5-Agricultural Bank of China, 6- ,7- India among top five countries in e-waste generation: Study Wells Fargo(USA), 8-Apple(USA), 9-Bank of China, • Based on a recent study by ASSOCHAM-NEC, India 10-Ping An Insurance Group(China). continues to be among the top five countries generating • Overall, 586 US companies made the list, in addition to e-waste, despite the governments emphasis on Swachch 249 companies from China (mainland and Hong Kong), Bharat Abhiyaan and Smart Cities project. 219 from Japan, 92 from the United Kingdom and 67 • The other countries topping the chart of e-waste from South Korea. generation are China, USA, Japan and Germany. • Housing finance major HDFC has been ranked as the 5th • E-waste generated in India is about 2 million TPA (tonnes biggest public company globally in the consumer per annum) and the quantity recycled is about 438,085 financial services category on a list compiled by Forbes TPA. magazine. • Maharashtra contributes the largest e-waste of 19.8 • HDFC Bank-CEO: Aditya Puri, Headquarters: Mumbai. percent in India but recycles only about 47,810 TPA. ICBCs HQ-Beijing, China, CMD-Yi Huiman • The study was released by the Associated Chambers of Commerce and Industry of India (Assocham) jointly with Global Peace Index 2018: Iceland tops, India ranks 136th a Japanese multinational NEC on June 5 • India fetched 136th rank among 163 countries on the 2018 Global Peace Index that was released by the Institute India improves its childhood index global ranking of Economics and Peace (IEP), an Australian think tank. India has been placed at 113th position in the list of 175 countries • Iceland fetched 1st rank on the index, a position it has in “End of Childhood Index 2018” indexed by global child rights held since 2008, followed by New Zealand and Austria group, Save the Children.Singapore and Slovenia are placed at the at 2nd and 3rd position. Indias GPI rank is 136th out of top sharing the first place in the index and Niger figures at the end 163 countries in 2018. of the list at 175. • Syria remains the least peaceful country in the world, a position it has held for the past five years. Afghanistan, ♦♦♦♦

• The Housing and Urban Affairs Ministry announced that latest approval entails an investment of Rs. 7,227 crore with central assistance of Rs. 2,209 crore. • With the latest approval for construction of affordable houses, the cumulative figure under the Pradhan Mantri Awas Yojana has reached 47.52 lakh houses. • Pradhan Mantri Awas Yojana (PMAY) is an initiative by in which affordable housing will be provided to the urban poor with a target of building 20 million affordable houses by 31 March 2022. • It has two components: Pradhan Mantri Awas Yojana (Urban) (PMAY-U) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) (PMAY- G and also PMAY-R) for the rural poor. • This scheme is converged with other schemes to ensure houses have a toilet, Saubhagya Yojana electricity connection, Ujjwala Yojana LPG gas connection, access to drinking water and Jan Dhan banking facilities, etc. Centre approves construction of 1.5 lakh houses for urban poor under PMAY Piyush Goyal launches “Rail Madad” and Menu on Rails • The Centre has approved construction of 1.5 lakh houses Apps for urban poor under the Pradhan Mantri Awas Yojana. The two apps, Rail MADAD and Menu on Rails, were launched by Railway Minister Piyush Goyal and Minister of State (MoS)

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Manoj Sinha during a press conference organised to highlight the Union Minister for Water Resources, River Development & Ganga achievements of the Ministry in the last four years. Rejuvenation and Road Transport & Highways and Shipping Shri While Rail MADAD will enable travellers to lodge complaints, Nitin Gadkari is on 2 days visit to Republic of Tajikistan to Menu on Rails will facilitate seamless ordering of food. Rail represent India in the high-level Conference on “International MADAD (Mobile Application for Desired Assistance During Decade for Action: Water for Sustainable Development, 2018-2028” travel) registers a complaint with minimum inputs from passenger on 20-21 June 2018.The conference has been jointly organized by (option of photo also available), issues unique ID instantly and United Nations and Government of Republic of Tajikistan to discuss relays the complaint online to relevant field officials for immediate key water related issues of sustainable development goals adopted action. by UN member countries. President Ram Nath Kovind to launch Solar Charkha National Digital Library launched Mission on 27th June The Union Ministry of Human Resource Development (HRD) President Ram Nath Kovind will launch Solar Charkha Mission on launched National Digital Library of India (NDLI) on the occasion June 27, which will entail a subsidy of Rs 550 crore in the initial of National Reading Day (observed on June 17) in New Delhi. two years for 50 clusters. The objective is to link 5 crore women to NDLI has been developed by Indian Institute of Technology (IIT), this initiative. The Mission will cover 50 clusters and every cluster Kharagpur.The digital library at present hosts 17 million- items will employ 400 to 2000 artisans. (books, audiobooks, images, etc) in 200-plus languages from more According to MoS (Independent Charge) Ministry of Micro Small than 170 institutions. & Medium Enterprises (MSME) Giriraj Singh, 15 new state-of- the-art technology centres are being set up all over the country Union Government launches 5000 Wi-Fi Choupals in including the northeast, of which 10 centres will become operational villages by March 2019. Each centre is being built at a cost of around Rs The Union Ministry of Electronics & Information Technology 150 crore and will provide technological support to small industries. (MeITY) launched 5000 Wi-Fi Choupals in villages in partnership with common service centres (CSCs). It was jointly inaugurated East coast Railways, Waltair Division launches SUBHADRA by Union Electronics and IT Minister Ravi Shankar Prasad and VAHINI Programme Railway Minister Piyush Goyal in New Delhi. The aim of Wi-Fi With the inspiration of Beti Bacho-Beti padao programme being Choupals is to transform rural Internet connectivity through initiated by the Prime Minister Narendra Modi, East coast BharatNet. Railways, Waltair Division has launched SUBHADRA VAHINI BharatNet: programme for the security and protection of Women.( East coast (1) BharatNet is Centres rural internet connectivity Railways HQ-Bhubaneswar) A 32 member- women team consisting programme which is implemented by Bharat Broadband of RPF police and TC women employees will monitor the security Network Limited (BBNL). It is worlds largest rural of the women passengers in Trains and Railway stations in the broadband connectivity programme using Optical fibre. division. Women can complain on 24 hours toll-free helpline 182 It seeks to connect all of Indias households, particularly for the grievance related to security of women. the rural areas, through demand, affordable broadband connectivity of 2 Mbps to 20 Mbps to realise vision of UN India business forum, NITI Aayog form consortium to . help women entrepreneurs (2) The project is being funded by Universal service The UN India Business Forum and the Women Entrepreneurial Obligation Fund (USOF). The project has to provide Platform of NITI Aayog formed a consortium to reduce gender broadband connectivity to all 2.5 Lakh Gram Panchayats. disparities in start-up investments by providing mentorship and (3) Phase 1 of the project, under which 1 lakh Gram networking opportunities and accelerating financial and market Panchayats connected and 1.5 lakh Gram Panchayats linkages for women entrepreneurs. In full potential scenario when will be conected under phase 2 by end of 2019. women participate in the economy, equally to men, it could add $2.9 trillion to Indias GDP by 2025. Shri Piyush Goyal dedicates NLCILs Three 100 MW Solar Power Projects to the Nation KSLMA initiates Water Literacy campaign to create The Union Minister for Railways, Coal, Finance & Company awareness about importance of water Affairs, Shri Piyush Goyal inaugurated three 100 MW Solar Power Kerala State Literacy Mission Authority (KSLMA) has initiated a Projects of Neyveli Lignite Corporation India Limited (NLCIL) water literacy campaign with the involvement of 70,000 students for commercial operation and dedicated these projects to the Nation. aiming to create awareness about the importance of water The Solar Power projects are situated at Thoppalaakkarai and conservation in the State As per the campaign, every student will Sethupuram in Virudhunagar District and Sellaiya Sezhiyanallur in take classes about water conservation for 15 families in their locality. Tirunelveli District of . Around 10 lakh people will be benefited from the campaign NLCIL is a Navratna profit making, Government of India scheduled to be held from June 20 to September 20. Enterprise engaged in mining of lignite and generation of power through lignite based thermal power plants. NLCIL was established Nitin Gadkari to attend conference on Water for Sustainable by GoI in 1956, following the discovery of lignite deposits in Development Neyveli, Tamil Nadu.

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P h. : 8093556677, 9040456677, W eb :w w w .van ik.o rg,E- m ail : van ikb b sr@ gm ail.co m MAGAZINE FOR THE MONTH OF AUGUST 2018 KEY ISSUES Government approves Rs 10,000-crore continuation (2) Indian Railways introduced complete biodegradable containers programmes for PSLV, GSLV #BeatPlasticPollution for serving of breakfast and meals in (a) The government has committed Rs 10,469 crore to India’s several Shatabdi and Rajdhani Trains. space agency to build 40 rockets over the next five years, which (3) Gujarat launched the ‘Plastic-waste free Gujarat’ drive. includes 10 (4) Indian city of Hyderabad announced to go single-use plastic heavier free by 2022. rockets or Few Facts on Plastic Pollution the Geo Every year, world uses 500 billion plastic bags and at least 8 million tonnes of Synchronous plastic end up in the oceans, the equivalent of a full garbage truck every minute. Satellite 50 percent of the plastic we use is single-use or disposable plastic. L a u n c h Over 1 million plastic bottles are purchased in every one minute. vehicle Plastic makes up 10 per cent of all of the waste generated in the world. (GSLVMk- International Yoga Day 2018: June 21 III) for Rs (a) The 4th International Yoga Day was observed across the world on 4,338crore. June 21 in Dehradun.The theme for Yoga Day 2018 is “Yoga for (b) The Union Peace.” Cabinet also approved 30 operational flights of Polar Satellite (b) The first International Day of Yoga was observed all over the world Launch Vehicle (PSLV), the workhorse rocket of Indian Space on June 21, 2015. Research Organisation (ISRO) between 2019-2024. The Rs (c) Prime Minister Narendra Modi had proposed this date at the United 6,131-crore committed for the PSLV rockets. ISRO’s Director: Nations General Assembly 2014 and recognizing its universal appeal, Kailasavadivoo Sivan. Headquarters: Bengaluru on December 11, 2014, the United Nations declared June 21 as Difference between PSLV and GSLV International Day of Yoga in 2014. PSLV is designed mainly to deliver the “earth-observation” or “Indian (d) The word yoga originates from Yuja, a Sanskrit word which means, Remote Sensing (IRS) “satellites with lift-off mass of up to about 1750 Kg “to join or to unite”, symbolizing the union of body and consciousnes to Sun-Synchronous circular polar orbits of 600-900 Km altitude. Indian Nashik’s Vishwas Mandlik, Mumbai’s Yoga Institute win PM awards Remote Sensing (IRS) satellite program to support the national economy in Vishwas Mandlik of Nashik and The Yoga Institute in Mumbai are the recipients the areas of agriculture, water resources, forestry and ecology, geology, of the 2018 Prime Minister’s Award for outstanding contribution to promotion water sheds marine fisheries and coastal management. and development of yoga. Mandlik won the award in the category Individual – The GSLV is designed mainly to deliver the communication-satellites to the National and The Yoga Institute won in the category Organisation – National. Geo-synchronous Earth orbit (GEO) of about 36000 Km altitude. Differently-abled attempt Guinness Record in Yoga Communications satellites are used for television, telephone, radio, Around 800 differently-abled people from across India attempted to set a internet, and military applications. Guinness World Record for ‘Largest Silent Yoga Class’ in Ahmedabad on the occasion of 4th International Yoga Day. Participants were chosen from ten city- India hosted World Environment Day 2018 on ‘Beat Plastic based organisations like Blind People’s Association (BPA), Apang Manav Mandal Pollution’ theme and Andh Kanya Prakash Gruh along with many more. They were trained for this • The 43rd World occasion since May with yoga experts at the Shivanand Ashram. Environment Day ‘Yoga Ambassadors Tour’ was observed Shripad Yesso Naik, Minister of State, (I/C), Ministry of AYUSH, inaugurated the across the world Yoga Ambassador Tour on June 14, 2018 at Leela Convention Centre in on June 5, 2018 Thiruvananthapuram, Kerala. The 10 day educational tour for yoga professionals with an aim to will conclude on International Yoga Day, which falls on June 21. encourage worldwide NBFC to be set up for food processing companies awareness and Food processing minister Harsimrat Kaur Badal said that the government will set action for the up a non banking finance company (NBFC) dedicated for funding companies in protection of the food processing industry The NBFC will have 20% government equity environment. investment amounting to Rs400 crore. • The Day was (a) She also said that more than 4 lakh jobs would be created by March first celebrated 2019 as 15 new mega food parks become operational and another in 1974 with the 3.4 lakh direct and indirect jobs will be generated created with theme “Only operations of 122 projects approved under the Pradhan Mantri Kisan One Earth” and SAMPADANSE Yojana. since then, it has grown to become a global platform for public (b) 25 mega food parks will become operational by 2018. Out of the 42 outreach. mega food parks sanctioned, 15 have become operational. Another • Every World Environment Day has a different global host 15 are expected to become operational by 2019. country, where the official celebrations take place. In 2018, it (c) The Ministry is also working on an initiative called Operations Greens, is India. For the year 2017, Canada was the Global Host country which was announced in the Budget in February. Under this, Rs 500 • The theme of the World Environment Day 2018 was ‘Beat crore has been earmarked with a focus on preventing distress sale by tomato, potato and onion farmers. Harsimrat Kaur Badal Plastic Pollution’. constituency- Bathinda, Punjab. (1) For World Environment Day, India announced to clean up 100 of its historic monuments, including the famous Taj Mahal. Union Environment Minister Harshvardhan ♦♦♦♦ unveiled the first non-plastic bound copy of the National Geographic magazine.

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Cabinet approves reconstitution of North Eastern inaugurated the air services between Jagdalpur and Raipur under Council(NEC) UDAAN scheme through video link at programme organized in The Union Cabinet chaired by Prime Minister Narendra Modi has Bhilai. approved reconstitution of North Eastern Council (NEC) to bring PRAAPTI App and Web portal launched to bring the Council under the direct control of the Home Ministry. The council, which is the nodal agency for the economic and social transparency in electricity payments development of the North Eastern region, was till now chaired by The power minister R K Singh launched a web application that the Development Of North Eastern Region (DoNER) Minister. seeks to bring transparency in dues of power generators from power distribution companies. The app—christened Prapti Cabinet Approves Continuation of Agriculture Education (payment ratification and analysis in power procurement for Development Plan bringing transparency in involving of generators—will bring The Union Cabinet chaired by Prime Minister Shri Narendra Modi transparency in the payments due to power producers from power has approved the continuation of the Three Year Action Plan (2017- distribution companies 2020) of the scheme for Agricultural Education Division and ICAR Institutes with an outlay of Rs.2225.46 crore[Rs. 2197.51 crore + Ministry of Railways organized Mission Raftaraimed to Rs. 27.95 crore (State share) ]for strengthening and developing rase the average speed of trains higher agricultural education in India. Ministry of Railways conducted a one day workshop “Mission PM Modi inaugurates Integrated Command and Control Raftaar” aimed at raising the average speed of freight trains and Centre coaching trains in New Delhi. It aims at doubling the average speed Prime Minister Narendra Modi dedicated to the nation the of freight trains and increasing average speed of coaching trains by Integrated Command and Control Centre (ICCC) set up at Naya 25kmph over a five year period. Average freight train speeds are Raipur in Chhattisgarh. The ICCC, Naya Raipur becomes the 10th ~24kmph and average passenger train speeds (excluding suburban Smart City Centre to be operational in the country. Under the trains) is ~44kmph. Shri Piyush Goyal, Minister of Railways & ambitious Smart City Mission. Coal, Constituencyý: ýMaharashtra The prime minister also dedicated to the nation the modernized and expanded Bhilai Steel Plant, laid the foundation stone of IIT, Bhilai and launched phase -2 of Bharat Net Project. He also ♦♦♦♦

drinking water. It will involve outlay of Rs. 700 crores through flexi-funds under existing National Rural Drinking Water Programme (NRDWP) budget. Swajal is community owned drinking water scheme or programme for sustained drinking water supply. Under it, 90% of project cost is taken care by the Government and remaining 10% is contributed by beneficiary community. The operations and management of the project is taken care by the local villagers. Aspirational districts: The Union Government had selected 115 backward (aspirational) districts for rapid transformation by 2022 in line with Governments vision to create New India. Bigger houses to get interest subsidy under PMs scheme (a) The government has increased the carpet area of houses eligible for interest subsidy under the Credit Linked Subsidy Scheme (CLSS) for the Government launches Swajal Scheme in 115 Aspirational middle-income group (MIG) under Pradhan Mantri districts Awas Yojana (Urban). Ministry of Drinking Water & Sanitation has launched Swajal (b) According to revised norms, the ministry of housing & Scheme in 115 Aspirational districts of India to provide clean urban affairs has enhanced the carpet area of houses eligible

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for subsidy under CLSS for MIG to 160 sq meter or 2018. The theme includes counter-terrorism in semi-urban terrain 1,722 sq ft for MIG -I and 200 sq meter or 2,153 sq ft for and cordon and search. category MIG-II. The BIMSTEC member states—Bangladesh, India, Myanmar, Sri (c) Earlier, the carpet area for these houses under MIG I and Lanka, Thailand, Bhutan, and Nepal. Leadership is rotated in MIG II categories was fixed at 120 sq meter or 1,291 sq alphabetical order of country names. The permanent secretariat is ft and 150 sq meter or 1,614 sq ft. in Dhaka. (d) These enhancements will now enable more MIG customers to qualify for subsidy and avail the benefits Centre sanctions Rs 14 crore for sports in J&K provided under the ambitious flagship mission of Pradhan The Centre sanctioned Rs 14.30 crore to promote block level sports Mantri Awas Yojana (Urban). in Jammu and Kashmir. The amount has been sanctioned under the (e) Under the revised norms, individuals with annual scheme by the Union Sports Ministry. household Income from Rs 6 lakh to Rs 12 lakh would Khelo India qualify for MIG I category, while MIG II for income (1) It will cover 1,000 most talented young athletes each above Rs 12 lakh up to Rs 18 lakh. Interest Subsidy for year across select sports disciplines. Each athlete selected MIG I and II will be 4% and 3%, respectively for under scheme will receive annual scholarship worth maximum loan tenure of 20 years. Rs.5.00 lakh for 8 consecutive years. (f) The eligible housing loan amount for interest for subsidy (2) 20 universities across country will be promoted as hubs would be Rs 9 lakh and Rs 12 lakh for MIG I and MIG of sporting excellence, which will enable talented sports II category, respectively. Loan quantum beyond this limit persons to pursue dual pathway of education and will be at non-subsidised rates. competitive sports. (g) This also augurs well with the Reserve Bank of Indias (3) Under it, programme will cover about 200 million children recent decision to revise the housing loan limits for in age group of 10-18. It will not only measure physical Priority Sector lending (PSL) eligibility where it has been fitness of all children in age group, but also support their decided to revise the housing loan limits for PSL eligibility fitness related activities. from existing Rs 28 lakh to Rs 35 lakh in metropolitan (4) First edition Khelo India School Games (KISG) held at centres (with population of 10 lakh and above), and from the Indira Gandhi Indoor Stadium in New Delhi. existing Rs 20 lakh to Rs 25 lakh in other centres, Govt launches affordable sanitary napkins provided the overall cost of the dwelling unit in the The government launched affordable biodegradable sanitary metropolitan centre and at other centres does not exceed napkins, priced at Rs 2.50 per pad, to be sold under the Pradhan Rs 45 lakh and Rs 30 lakh, respectively. Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) across the 3,000 more schools selected for setting up Atal Tinkering country. Suvidha Oxo-biodegradable sanitary napkins would be Labs retailed through more than 3,600 Jan Aushadhi stores in 33 states The NITI Aayog announced an additional 3,000 Atal Tinkering and UTs across the country. Union Cabinet Minister for Chemicals, Labs to be set up in schools across different parts of the country Fertilizers & Parliamentary Affairs-Ananth Kumar(Constituency- under the Atal Innovation Mission (AIM). The selected schools Uttara , Karnataka) will receive a grant of Rs 20 lakh spread over the next five years to Krishi Kalyan Abhiyan Being Implemented in 25 Villages establish such labs. The new additions take number of such ATLs each of 111 Aspirational Districts to 5,441 representing all states and five out of seven union The Ministry of Agriculture and farmers welfare in line with Modis territories. It will facilitate the creation of over one million neoteric vision of doubling farmers income by 2022 has launched the Krishi child innovators by 2020. kalyan Abhiyaan from 1st June, 2018 till 31st July, 2018. The The Atal Innovation Mission (AIM) is the governments flagship Krishi Kalyan Abhiyaan will be undertaken in 25 Villages with initiative to promote a culture of innovation and entrepreneurship more than 1000 population each in 111 Aspirational Districts in the country. The sub-schemes of AIM include establishing Atal identified in consultation with Ministry of Rural Development as Tinkering Labs (ATLs) and Atal Incubation Centers (AICs), for per directions of NITI Ayog. providing scaling up support to Established Incubation Centres. Union Minister of Agriculture & Farmers Welfare- Mohan India to host first BIMSTEC Military Exercise in September Singh(Purvi Champaran constituency) India will host the first military exercise of the BIMSTEC (Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation) group focussing on counter-terrorism. The exercise ♦♦♦♦ is scheduled to be held in in the second week of September

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Cabinet approves MoU between the ICMR and INSERM, France The Cabinet has been apprised of a Memorandum of Understanding (MoU) which was signed in March, 2018 between the Indian Council of Medical Research (ICMR) and the Institut National de la Santeet de la RechercheMedicale (INSERM), France for cooperation in areas of medical, life sciences and health research fields. India is the second highest sender of foreign students in US With 1,86,000 Indian students currently studying in the United States, India is the second highest sender of foreign students to the US, next only to China. United States is the top destination for foreign students worldwide and the number of Indian students in the US has more than doubled in the last 10 years. Trade war: India set to take on US with $240 million India provides Rs 99.2million for to Nepal for retaliatory tariffs irrigation project India is set to introduce tariffs worth $240 million on a list of 30 India extended financial aid of Rs. 99.2 million to Nepal for the imports from the United States as New Delhi plans to counter- construction of 2,700 shallow tube well (STWs) irrigation systems attack over an increase on duties imposed by the Donald Trump in 12 districts of Nepal. The assistance was extended as part of administration on Indian steel and aluminium. India has notified to final payment for Nepal-Bharat Maitri Irrigation Project. With the World Trade Organization (WTO) the revised list. Trump signed this payment, India has released so far released total of 227.6 two proclamations that levied a 25 per cent tariff on steel and a 10 million Nepali rupees to Nepal for implementing this project. Indias per cent tariff on aluminium imported from all countries except Ambassador to Nepal-Manjeev Singh Puri Canada and Mexico. India, China sign agreements on Brahmaputra data, rice Recently Trump also announced hefty tariffs on $50 billion of exports Chinese imports and Beijing threatened to respond with “equal India and China has signed two bilateral agreements during a meeting scale, equal intensity.” between Prime Minister Narendra Modi and Chinese President Xi World Trade Organization-Headquarters: Geneva, Switzerland, Jinping in Qingdao on the sidelines of the 18th Shanghai Cooperation Founded: 1 January 1995. Membership: 164 member states,Leader: Organization (SCO) Summit. Under this MoU, China will start Roberto Azevêdo sharing hydrological information of the Brahmaputra River with India and Vietnam: The Union Cabinet has been apprised of the India again during the flood season from May 15 to October 15 joint issue of a postage stamp between Department of Posts and every year. Viet Nam Post on the theme “Ancient Architecture”.The India and China also signed an agreement under which China has commemorative joint issue stamps depicting Sanchi Stupa of India agreed to import non-Basmati rice from India. President Xi Jinping and Pho Minh Pagoda of Vietnam were released on January 25 suggested that China and India should set up a new bilateral trade after the MoU was signed between both postal administrations for target of USD 100 billion by 2020. this purpose on December 18, 2017. Raksha Mantri, Smt Nirmala Sitharaman inaugurated the first India and Norway sign MoU to extend health cooperation Representative Office of Navratna Defence PSU Bharat Electronics Ministry of Health and Family Welfare has signed a Memorandum Limited (BEL) in Hanoi, Vietnam. Vietnam-Capital: Hanoi, of Understanding (MoU) with the Norwegian Ministry of Foreign Currency:dong Affairs to extend the cooperation within health sector through the India and Peru: The Union Cabinet has approved an Agreement Norway India Partnership Initiative (NIPI) for a period of three between India and Peru for bilateral cooperation between the two years starting from 2018 to 2020. Norway-Capital: Oslo, Currency: countries on new and renewable issues. Peru-Capital: Lima, krone Currency: Sol

15 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 KEY ISSUES PM Modi launches international Rupay Card, the bank) is required to confirm each payment. Bhim app and UPI in Singapore USSD service:-UPI is also available as a mobile phone Prime USSD(Unstructured Supplementary Service Data) service Minister where, users can access the service by dialing the code Narendra *99#. The various services provided in USSD mode are M o d i Financial Services(Fund Transfer,Send Money,Request launched Money) and Non-financial services(Balance Enquiry, international Change MPIN(‘Mobile banking Personal Identification Rupay number’) Card, RuPay is an Indian domestic card scheme was conceived Bhim app by the National Payments Corporation of India as an a n d alternative to the MasterCard and Visa card schemes. U n i f i e d BHIM : Payment (1) BHIM (Bharat Interface for Money) is a mobile Interface app developed by National Payments f o r Corporation of India (NPCI), based on the Unified international remittance in Singapore. RuPay digital Payment Interface (UPI). It was named after payments system was linked up with Singapore’s 33- Dr. Bhimrao R. Ambedkar. year-old Network for Electronic Transfers (NETS). (2) BHIM allow users to send or receive money to RuPay users will be able to make payments at all NETS or from UPI payment addresses, or to non-UPI acceptance points across Singapore. based accounts (by scanning a QR code with Unified Payments Interface:- account number and IFSC code or MMID (Mobile (1) Unified Payments Interface (UPI) is an instant Money Identifier) Code). real-time payment system developed by (3) At present, there is no charge for transactions National Payments Corporation of India from Rs 1 to Rs 1 lakh. Currently the fund transfer facilitating inter-bank transactions. limit has been set to a maximum of Rs 20,000 (2) The interface is regulated by the Reserve per transaction and a maximum of Rs 40,000 in Bank of India and works by instantly a day. transferring funds between two bank (4) BHIM app currently supports 13 languages accounts on a mobile platform.UPI is built (including English), though there are 22 official over Immediate Payment Service (IMPS) for languages of India (excluding English) transferring funds. (3) It uses Virtual Payment Address (a unique ID provided by the bank), Account Number with ♦♦♦♦ IFS Code, Mobile Number with MMID (Mobile Money Identifier), Number, or a one-time use Virtual ID. (4) A UPI-PIN (UPI Personal Identification number that one creates on the UPI app of

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India to help Myanmar in insurance laws Indian, Bangladeshi oceanographers to jointly explore Bay The General Insurance Corp of India (GIC) will assist Myanmar of Bengal authorities in amending laws related to insurance and reinsurance The National Institute of Oceanography (NIO), Goa will train and in expanding insurance services in the country. Capital: oceanographers from Bangladesh for joint exploration of the Bay Naypyidaw, Currency:kyat. President: Win Myint of Bengal by marine scientists from both countries. Under the joint Reinsurance: Reinsurance is insurance that is purchased by an exploration, Scientists from Bangladesh Oceanographic Research insurance company. It is also known as an insurance for insurers. Institute (BORI) will be visiting NIO for short and long term Reinsurance occurs when multiple insurance companies share risk durations to train in oceanographic research and to have by purchasing insurance policies from other insurers to limit the understanding of the subject. total loss the original insurer would experience in case of disaster. NIO-Director: Sunil Kumar Singh. Location: Dona Paula, Goa. Date founded: 1 January 1966 India gets cheapest LNG as Russias Gazprom begins supplies India releases Rs 33.10 Cr to Nepal for 2 road Projects India received its first Liquefied Natural Gas (LNG) cargo, LNG The Government of India has released Rs 33.10 crore to Nepal KANO, from Russias Gazprom at the Petronet LNG terminal in towards cost of two road packages of Birgunj-Thori Road being Dahej, Gujarat on June 4, 2018. implemented under Postal Highway Projects in Nepal with The LNG cargo carried 3.4 TBTU of LNG. State-owned gas utility Government of Indias grant assistance. The amount has been GAIL India Ltd and Gazprom Marketing and Trading Singapore released towards 25% of tendered cost (including 10% mobilization (GMTS) of Russia entered long term contract as per which GAIL advance) of the Postal Highway Projects. will purchase about 2.5 million tonne of LNG from Gazprom on annual basis. Netherlands Becomes 64th Signatory Member of International Solar Alliance Cabinet approves the joint issue of postage stamp between The Netherlands has become the 64th signatory member of the India and Russia International Solar Alliance (ISA). Netherlands Prime Minister The Union Cabinet chaired by Prime Minister Shri Narendra Modi Mark Rutte, is on a two days official visit to India at PM Modis was apprised of the agreement signed in connection with release of invitation. The joint statement issued hailed the Netherlands as Joint Stamps between Department of Posts, India and Russia Post Indias “Gateway to Europe”.India also welcomed the Netherlands (Joint-Stock Company “MARKA” of Russian Federation) to as the Partner Country for the TechSummit in 2019. establish postal cooperation and strive towards mutually beneficial operational excellence in the field of issuance of stamps. ♦♦♦♦ Russia -President: Vladimir Putin, Prime Minister:Dmitry Medvedev,Capital: Moscow,currency:Ruble India-Oman: Cabinet approves Memorandum of Understanding VANIKS KNOWLEDGE GARDEN between India and Oman on Cooperation in the peaceful uses of outer space PAYMENTS BANKS • Oman-Capital: Muscat, Currency: rial These banks can accept a restricted deposit which is currently limited to INR 1 lakh per customer and PM Modi unveils Mahatma Gandhi plaque at Clifford Pier may be increased further. in Singapore • These banks cannot issue loans and credit cards. • Both current account and savings accounts can be Prime Minister Narendra Modi and Singapores Emeritus Senior operated by such banks. Minister Goh Chok Tong jointly unveiled a plaque to pay tribute • Payments banks can issue services like ATM cards, to Mahatma Gandhi at the immersion site of his ashes at the debit cards, online banking and mobile banking. waterfront Clifford pier in Singapore. • They can distribute non-risk sharing simple financial products like mutual funds and insurance Singapore Names Orchid after PM Modi products. The Government of Singapore has named an Orchid after Prime • Non-resident Indians (NRIs) are not be allowed to Minister Narendra Modi to commemorate his visit to the National open accounts in payment banks. • Orchid Garden of Singapore. The orchid, located within the The minimum capital requirement is Rs 100 crore. • Singapore Botanic Gardens, was named Dendrobrium Narendra On 23 September 2013, Nachiket Mor committee recommended the formation of Modi to mark Prime Ministers visit. It is the only tropical garden • At present, Airtel, India Post, , FINO and to be listed as a UNESCO World Heritage Site. Aditya Birla Idea are the only five entities that have started Payments Bank Operations.

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benefit around 3.5 crore people from over 70 lakh families in the state. Under the Biju Swasthya Kalyan Yojana, secondary and tertiary cashless healthcare assistance will be provided up to Rs 5 lakh per family per annum to meet healthcare expenditure at all government-run hospitals and the entire cost would be borne by the state government. Besides, an assistance of Rs 500 would be provided to all pregnant women and infant who visit public health facilities. The scheme will come into effect from August 15 2018. Bengal announces additional 18% DA for its employees West Bengal Chief Minister Mamata Banerjee has announced an additional 18 percent dearness allowance (DA) to state government employees from January 2019.The state government will have to bear an annual additional expenditure of Rs 5,000 crore. In January 2018 Cabinet raised DA for central Governors Rule imposed in Jammu and Kashmir govt employees and pensioners to 7% from 5% President Ram Nath Kovind has given his assent to imposition of Governors rule in Jammu and Kashmir. Presidents approval comes Kerala to open 70 day-care centres for the elderly after J&K Governor N N Vohra sent his report to President Seventy new state-of-the-art day-care centres for senior citizens recommending imposition of Governors rule in the state day after will be opened in Kerala with the first of the centres already been Mehbooba Mufti-led PDP-BJP government collapsed with BJP opened. The rest of the day-care centres for those above 60 years ending the three-year-old alliance with PDP. will be opened this year itself. At least 12.83 per cent of Keralas This is the eighth time in the last four decades J&K was put under nearly 33 million population are aged above 60. Governors rule and third time under J&K Governor N N Vohra tenure. Presidents Rule is imposed under Article 356 of the Goa Revolution Day Celebrated on June 18 Constitution. But in case of J&K, as per Section 92 of state Goa Revolution Day was celebrated on June 18 in the state to pay Constitution Article 370 , Governors Rule s imposed in the state tributes to the martyrs of the states liberation struggle. On this only after the consent of the President of India in case of failure of day in 1946, freedom fighter Dr Ram Manohar Lohia gave a clarion constitutional machinery for period of six months. call to the people of the state to unite and fight against the Portuguese During the Governors rule, State Assembly is either suspended or colonial regime. dissolved. If the Constitutional machinery is not restored before the expiry of this six month period, the provision of Article 356 of 19 cancer care centres to be set up in Assam the Constitution of India are extended to J&K and the Presidents Assam government has announced that 19 cancer care centres will rule is imposed in the State. be set up across the state in partnership with Tata Trusts at an investment of Rs 1,910 crore.The Assam Cancer Care Foundation Haryana government gives star rankings to panchayats on (ACCF) is a non- profitable entity of Assam government and Tata seven parameters Trusts with equal partnership to implement the project and manage Haryana government has decided to give star rankings to its the centres. panchayats on the basis of seven social parameters under the states These centers will start functioning from mid-2020. 7-Star Gram Panchayat Rainbow scheme. As many as 1,120 villages of the state have achieved the rankings under the scheme.Ambala Maharashtra CM Devendra Fadnavis meets World Bank has topped star ranking followed by Gurugram and Karnal. CEO Kristalina Georgieva Villages winning six stars will be entitled to get additional Maharashtra Chief Minister Devendra Fadnavis met World Bank developmental works worth Rs 20 lakh,15 lakh for 5 stars and 10 CEO Kristalina Georgieva in Washington DC to seek assistance lakh for 4 star. Villages for achieving each parameter will be rewarded for a Multimodal Transport Corridor and the Rural Livelihood Rs 1 lakh. Villages having equal or more girl population will be Project which aims to provide sustainable livelihood enhancements given Rs 50,000 as bonus with their reward money. Similarly, in 10,000 villages in the state. villages which adopt Swachhta Mission will be given additional Rs School Chale Hum Abhiyan 2018 launched in Bhopal 50,000 as reward. Madhya Pradesh CM Shivraj Singh Chouhan inaugurated the Odishas new health scheme to benefit 70 lakh families School Chale Hum Abhiyan 2018 in Bhopal. The motive of this Odisha Chief Minister Naveen Patnaik has announced a health scheme is that no child should be deprived of schooling. Inaugurating assurance scheme named “Biju Swasthya Kalyan Yojana” that will

18 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 the month long campaign on June 15, the minister encouraged Himachal Pradesh govt to scrap semester system in under- students, teachers and parents to make it a success. graduate courses Andhra Pradesh to Develop Smart village Initiative for The Himachal Pradesh government has decided to discontinue with the semester system in undergraduate courses and re-establish the Arunachal Pradesh annual examination system from the coming session under Rashtriya The Arunachal Pradesh government has inked an agreement with Uchchatar Shiksha Abhiyan (RUSA). The decision is based on the Andhra Pradesh-based Smart Village Movement (SVM) to facilitate recommendation of a review committee headed by former vice technology innovations, research and development in selected chancellor to review RUSA (Rashtriya Uchchatar Shiksha Abhiyan). villages of the north-eastern state. The man behind the Smart Village The government also decided to start nursery classes in 3,000 Movement, Solomon Darwin, will be the adviser to the projects schools from the current year. core team. Andhra Pradesh, Singapore sign pacts for Amaravati Centres nod for two women battalions of J&K Police development The Central government gave nod to raise two women battalions in The state government of Andhra Pradesh and Singapore has signed the Jammu and Kashmir Police. One Battalion each would be raised several pacts for the development of a start-up area (1,691 acres) in the Jammu and Kashmir regions, it said, adding 60 per cent of in the new capital, Amaravati, to transform it into a world-class the posts would be kept reserved for women of 10 border city. The city derives its name from the ancient Amaravathi town districts— Jammu, Samba, Kathua, Poonch, Rajouri, Baramulla, located in Guntur district, on the banks of the Krishna River. Bandipora, Kupwara, Kargil and Leh. Polythene to be completely prohibited from 31st July in Odisha signs MoU with Earth Networks for lightning Uttarakhand warning system Uttarakhand Chief Minister Trivendra Singh Rawat has imposed a In a move to reduce number of casualties due to lightning strike complete ban on the use of Polythene in the state from 31st July incidents, the Odisha government has signed an MoU with US- 2018. All the polythene vendors have been asked to finish the based Lightning analysing firm Earth Networks for a lightning polyethene stock before 31st July. A comprehensive public detection and warning system in the state. Earth Networks will awareness campaign will be launched on environmental damage install lightning detection system to get the precise location of caused by polythene, one week before the entire ban on polythene areas likely to be affected by lightning strikes before 45 minutes of in the state. their occurrence. It will also be helpful in prediction of hail winds, hail storms and thunderstorms. Madhya Pradesh Announces Outstanding Power Bill Waiver CM inaugurates Green Mizoram Day Scheme The northeastern state of Mizoram observed the Green Mizoram The Madhya Pradesh government headed by Chief Minister Shivraj Day on June 11 with government employees, students and members Singh Chouhan has announced an outstanding power bill waiver of NGOs planting large number of trees. The Green Mizoram Day scheme “Bijli Bill Mafi Yojana 2018 (Power Bill Waiver Scheme)” is being organised every year on June 11 since 1999. for labourers and poor families. Under the subsidised power scheme, registered labourers of the unorganised sector and Below Poverty Queen pineapple variety declared Tripuras state fruit Line (BPL) families would be provided electricity at a cost of Rs President Ram Nath Kovind has announced to recognise the 200 per month. “Queen” a variety of Pineapple as Tripuras state fruit. Besides, The state cabinet also approved Mukhyamantri Jan Kalyan Prez also inaugurated a 73 km. long National Highway from Matabari (Sambal) Yojana 2018 (a scheme to provide subsidised power). (Udaipur) to Sabroom along the Gomati and South Tripura districts. Power connection under the Mukhyamantri Jan Kalyan (Sambal) Yojana would be provided free of cost to the beneficiaries. Punjab Govt launches “Business First Portal” to facilitate ease of doing business Bihar govt launches new crop insurance scheme with effect The Punjab government has launched a “Business First Portal” to from Kharif (monsoon) 2018 facilitate ease of doing business in the state. The online Portal The Bihar government has launched a new crop insurance scheme would facilitate the industrialists for Regulatory Clearances and “Bihar State Crop Assistance Scheme” with effect from Kharif Fiscal Approvals, real time tracking of applications at common (monsoon) this year. The new scheme replaces the existing system platform. of crop insurance. As per the new scheme, farmers would be paid a compensation of Rs 7,500 per hectare if less than 20 percent of Andhra Pradesh now is Open Defecation Free (ODF) State the standing crop is damaged with maximum support amounting to Andhra Pradesh Chief Minister N Chandrababu Naidu has Rs 15,000. announced that the state was now Open Defecation Free (ODF) as Similarly, Rs 10,000 per hectare would be provided in case damage it had achieved its goal of constructing 2.77 lakh individual toilets. is more than 20 percent and maximum support of Rs 20,000. With this achievement, Andhra Pradesh becomes the first large Farmers do not have to pay any premium as per the scheme. state in the country to be declared as Open Defecation Free.

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Maharashtra Govt unveils Sandbox to boost Fintech low-cost climate-resilient Zero Budget Natural Farming System Innovation (ZBNF). The Maharashtra Government has announced the opening up of a Odisha police, UNICEF join hands against child abuse sandbox to boost start-ups, aiming to develop the financial capital UNICEF and Odisha State police have joined hands for the state into a fintech hub. In this sandbox, all the start-ups will be welcome wide campaign titled, Paree Pain Katha Tiye (A word for the who can register, open their APIs (application programming little angel) to creat awareness about importance and role of every interface) and banks can consume. Maharashtra, the first State to member of society in preventing child sexual abuse, need for have a dedicated fintech policy, is also planning to have a dedicated reporting and need for trauma care.The Minister flagged off 15 Fintech Officer in the Department of Information Technology. vans modified as Paree Express that will cover all 30 districts of Andhra govt. to give Allowance to Unemployed Youth the state during the campaign from May 28 to June 12. The Andhra Pradesh government has announced to implement a HP CM launches Polythene Hatao, Paryavaran Bachao first of its kind Unemployment Scheme to cater the unemployed Campaign graduate youth of the state. Under the scheme, the unemployed Himachal Pradesh Chief Minister, Jai Ram Thakur, launched a graduate youths would get a monthly allowance of Rs 1,000 each state wide week long Polythene Hatao, Paryavaran Bachao with an upper age limit of 35. campaign on May 27, ahead of the World Environment Day, of Goa Celebrates its Statehood Day which India is the global host. The campaign has been organized by The Goa Statehood Day is celebrated every year on May 30 since the Department of Environment, Science and Technology of the 1987. The state observed its 31st Goa Statehood Day on May 30, government. The state is observing this week, starting from May 2018. The countrys smallest state attained statehood on May 30, 27, 2018 to June 2, 2018, as polythene alleviation week. 1987 when Goa became Indias 25th state. Daman and Diu were Telangana Government announces unique life insurance separated from Goa and continue to be administered as a union territory. Earlier, Goa was a union territory, namely, Goa, Daman scheme for farmers and Diu for all administrative and governance considerations. Telangana government has announced a unique life insurance scheme for farmers. Under the scheme, the government will provide life Himachal govt. launches Prakriti Kheti Khushhaal Kissan insurance facility of five lakh rupees to the nominee, after the Yojana to promote organic farming death of the insured farmer. Life Insurance Corporation India will The state government of Himachal Pradesh has introduced implement the scheme.(LIC-Chairman-V.K. Sharma ,HQ: Mumbai) Prakritik Kheti Khushhaal Kisaan Yojana to promote organic The farmers in the age group of 18 to 60 are eligible to enroll their farming ensuring production of healthy food grains, free from names to get benefit from it. The scheme will come into force from harmful chemical ingredients. The new scheme aims to adopt an 15th of August this year integrated approach to enhance agricultural income by adopting ♦♦♦♦

Sulabh founder honoured with Japans Nikkei Asia Prize Noted social reformer and founder of Sulabh International Bindeshwar Pathak was honoured with Japans prestigious Nikkei Asia Prize for Culture and Community for his significant work in tackling poor hygiene and discrimination. Launched in 1996, the award honours people in Asia who have made significant contributions in one of the three areas: regional growth; science, technology and innovation; and culture and community. The Nikkei Asia Prizes were created in 1996 to commemorate the 120th anniversary of Nikkei Incs main Japanese-language newspaper. Kamila Shamsies “Home Fire” wins 2018 Womens Prize for Fiction Renowned British Pakistani author Kamila Shamsie has won the Womens Prize for Fiction, 2018 for her seventh novel titled “Home Fire”.

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Shamsie was awarded the €30,000 pound ($40,000) prize at a Prime Minister Narendra Modi handed over the Padma Shri award, ceremony in London. Indias fourth highest civilian awards, to former Singaporean diplomat Tommy Koh. Koh was among 10 ASEAN (Association Parliamentary Standing Committee on Finance to get Sansad of Southeast Asian Nations) receipts of the prestigious award this Ratna Award year. The Parliamentary Standing Committee on Finance was awarded the Sansad Ratna Award 2018 by Prime Point Foundation for its Kerala cartoonist wins international award outstanding performance. Kerala cartoonist Thomas Antony has won the World Press Cartoon M. Veerappa Moily, Chairman of the Parliamentary Standing Awards in the best caricature category. The 13th edition of the Committee on Finance received the award at a function held in World Press Cartoon awards has 9 winners from eight countries in Indian Institute of Technology-Madras on June 9, 2018. three continents– Europe, Asia and South America. K. Srinivasan, Founder of the Foundation has that they have been Antony is the lone cartoonist selected from Asia selected for the awarding top performing MPs since 2010 based on the criteria like prize. He currently works as Executive Artist of daily the reports presented, numbers of sittings and number of subjects Metro Vaartha. The awards instituted by an organisation based in selected among others. Lisbon, Portugal are given to the best works published in 2017 in newspapers and magazines from around the world. bags award Corporation Bank has bagged Investor Relations Awards 2018 Bengaluru Biologist Scripts History, Becomes 1st Indian under the category Best Expectation Management (Mid Cap) for to Win Prestigious Linnean Medal 2017-18. Indian Botanist Dr. Kamaljit S. Bawa, President of Bengaluru- The award instituted by Investor Relations Society India has been based non-profit Ashoka Trust for Research in Ecology and the recognising companies in investor relation space since 2012. U Environment (ATREE), received the prestigious Linnean Medal in Chandrakanth Nayak, General Manager of the bank, received the Botany from the Linnean Society of London on May 24. Bawa is award at a ceremony in Mumbai. the first Indian to win the award ever since it was first constituted in 1888. The Linnean Medal is one of the most prestigious awards PM Modi gives Padma Shri award to former Singaporean for biologists granted by the Linnean Society of London. diplomat ♦♦♦♦

Ivan Duque: Conservative Ivan Duque has been elected as the new President of Colombia. Colombia-Capital: Bogotá, Currency: peso Omar al-Razzaz: s King Abdullah has appointed former World Bank economist, Omar al-Razzaz, as the new Prime Minister of the country and has mandated to review a disputed tax system. Jordan-Capital: , Currency:dinar Deepak Raj Joshee: The Constitutional Council of Nepal has recommended Justice Deepak Raj Joshee as new Chief Justice of the Supreme Court. The top judiciary post has remained vacant after chief justice Gopal Prasad Parajuli resigned Maria Fernanda Espinosa: The United Nations (UN) General Assembly has appointed Maria Fernanda Espinosa Garces to be its next President. Maria, Ecuadors Minister for Foreign Affairs and Human Mobility, succeeds Slovakias Miroslav Lajcak and will preside over the 73rd session of the Assembly starting from September for a tenure of one year. WORLD Tommy Thomas: Malaysias King Sultan Muhammad V has Aziz Ahmed: Bangladesh has appointed Lieutenant General Aziz approved the appointment of an ethnic Indian lawyer, Tommy Thomas, as the new Attorney General, amid protests from Islamic Ahmed as the countrys new army chief for a three-year tenure. groups that the job must be held by a Muslim. The King approved He would succeed General Abu Belal Mohammad Shafiul Haque, terminating current Attorney General Mohamad Apandi Ali. who is set to retire on June 25.

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Abdel Fattah al-Sisi: Egyptian President Abdel Fattah al-Sisi edition of International Indian Film Academy awards (IIFA) has been sworn in for a second four-year term in office. ceremony in Bangkok. Giuseppe Conte: Giuseppe Conte has been sworn in as Prime R K Agrawal: Former Supreme Court judge Justice R K Agrawal Minister of Italys new populist government has been appointed the President of the National Consumer Pedro Sanchez: Pedro Sanchez took over as Spains Prime Disputes Redressal Commission (NCDRC). The NCDRC, which Minister after outgoing leader Mariano Rajoy lost a parliamentary deals with consumer rights and addresses their disputes and confidence vote triggered by a long-running corruption trial involving grievances, is a quasi-judicial commission set up in 1988 under the members of his centre-right party.Spanish Socialist Workers Party Consumer Protection Act of 1986. (PSOE) head Sanchez becomes Spains seventh Prime Minister Lt Gen Ranbir Singh: Lt Gen Ranbir Singh has been appointed since its return to democracy in the late 1970s following the as the new Northern Army commander. Lt Gen Singh was the dictatorship of Francisco Franco. Director-General of Military Operations (DGMO) when India carried out surgical strikes across the Line of Control (LoC) in INDIA Jammu and Kashmir on the intervening night of 28 and 29 September H R Khan: has appointed former Reserve Bank of 2016. Indias Deputy Governor, Harun Rasid Khan, as the non-executive, Anubrata Biswas : has appointed Anubrata part time Chairman of the bank. Bandhan Banks headquartered: Biswas as its Managing Director and Chief Executive Officer.The Kolkata appointment comes five months after former CEO and MD Shashi Keshari Nath Tripathi: President Ram Nath Kovind has given Arora stepped down in December. West Bengal Governor Keshari Nath Tripathi additional charge of Tripura Governor, during the absence of Tathagata Roy who is on RESIGN leave. Giorgi Kvirikashvili: Giorgi Kvirikashvili, Prime Minister of Shri Sharad Kumar: Former National Investigation Agency Georgia, has announced his resignation amid a growing disagreement (NIA) chief Shri Sharad Kumar has been appointed as the Vigilance over his economic policies with Bidzina Ivanishvili, the leader of Commissioner in the Central Vigilance Commission, New Delhi the ruling Georgian Dream party. for a term of four years from the date on which he enters upon his Georgia Capitals: Tbilisi,Currency: lari office, or till he attains the age of sixty five years, whichever is earlier. The current Central Vigilance Commissioner is Mr. K. V. VISITE Chowdary and Vigilance Commissioner is Dr. Tejendra Mohan Rajendra Chhetri: Nepals Chief of the Army Staff (COAS) Bhasin and Shri Sharad Kumar. General Rajendra Chhetri is on six-day visit to India beginning Dr. Inder Jit Singh : Dr. Inder Jit Singh, has been appointed to June 6 on the invitation of his Indian counterpart General Bipin the post of Secretary, Ministry of Coal. Rawat. Sandeep Bakhshi : Private sector banking major ICICI Bank has Sushma Swaraj :External Affairs Minister Sushma Swaraj left appointed Sandeep Bakhshi as the new Wholetime Director and for South Africa on a five-day visit to further strengthen the close Chief Operating Officer (COO). ICICIs CEO-Chanda Kochhar and long standing ties with South Africa. The year 2018 is an N.S. Kannan: The private lender ICICI Bank has appointed N.S. important year for India-South Africa relations as it marks the 25 Kannan as the Managing Director and Chief Executive Officer years of the establishment of diplomatic relations. (CEO) of ICICI Prudential Life Insurance Company. Rana Kapoor: Private sector lender YES Bank has re-appointed BRAND AMBASSADOR Rana Kapoor as MD & CEO of the bank for a period of three Chhetri named StarPicks Brand Ambassador years. Indian football team has been named as the S Ramesh: The Appointments Committee of Cabinet (ACC) has brand ambassador of online fantasy sports platform StarPick.Sunil appointed S Ramesh, member of Central Board of Indirect Taxes Chhetri (born 3 August 1984) is an Indian professional footballer and Customs (CBIC) as its next Chairman. He will be succeeding who plays as a striker for Indian club Bengaluru FC and the captain the present chairman Vanaja N Sarna who will be retiring in June of Indian national football team. He is both the most-capped 2018. player,and all-time top goalscorer for Indian national team, with Dhivya Suryadevara: An Indian-American woman, Dhivya 64 goals in 101 appearances. Suryadevara has been named the Chief Finance Officer (CFO) of Amitabh Bachchan: Veteran actor Amitabh Bachchan has become the US largest automaker, General Motors. She will succeed Chuck the face of Central Railways anti-trespassing campaign. Stevens, the General Motors present CFO. Trespassing on railway tracks is a major cause of deaths on Mumbai General Motors Company, commonly referred to as General suburban rail network. Motors, is an American multinational corporation headquartered Central Railway has launched an initiative Ek Safar Rail Ke Saath, in Detroit that designs, manufactures, markets, and distributes where celebrities will share their experience about Indian Railways vehicles and vehicle parts, and sells financial services.CEO: Mary and their journey in a short film. At the end of the film, they will T. Barra give a message for railway commuters. The megastar has also done Anupam Kher: Veteran film actor Anupam Kher will be given the a recording for the same initiative at Chhatrapati Shivaji Terminus prestigious Lifetime Achievement honour at the upcoming 19th (CST) station.

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• Senior socialist leader and former vice-chairman of OBITUARIES the Nashik District Central Cooperative Bank • Australian golfing legend Peter Thomson has passed away (NDCC), Laxman Patil–Bhosle alias Lakhutatya died aged 88 following a battle with Parkinsons disease. in Malegaon in Nashik district following illness. • Senior journalist and writer Adiraju Venkateswara • Legendary American photojournalist David Douglas Rao passed away. Duncan, who was best known for his combat • Timothy Pereira, former football international who photographs captured during World War II, has died. represented Tata FC, died after a prolonged illness. • A prominent Bangladeshi writer and • Odishas most popular lyricist, Narayan Prasad publisher, Shahzahan Bachchu, was shot dead by Singh was popularly known as Rasaraj passed away unidentified 5 attackers in his ancestral village Kakaldi at his residence in Bhubaneswar. in Bangladeshs Munshiganj district. • Actor William Phipps, the voice of Prince • John Chambers, a veteran of the British film and TV Charming in the animated Disney film Cinderella, has industry and a former senior member of BAFTA, has passed away. died. He was involved with Oscar-winning • US Anthony Bourdain, celebrity chef, adventurer pictures, Chariots of Fire and Gandhi. and television host, has died at the age of 61. Bourdain • The worlds oldest known Sumatran orangutan was in France shooting for the upcoming episode of his named Puan has died at Perth Zoo, Australia aged 62, award-winning CNN series, ”Parts Unknown”during leaving behind 54 descendants. Described as the “grand which he was found dead in his hotel room. old lady” by Zoo authorities, she had been at the zoo • Legendary Brazilian tennis player Maria Bueno died since 1968, and was officially recognised by Guinness in Sao Paulo. Maria Bueno won three Wimbledon and World Records as the oldest of her species in 2016. four US championship singles titles • Noted Assamese theatre personality Sukracharya ♦♦♦♦ Rabha, famed for his open air theatre festival, died of cardiac arrest at his village home in Goalpara district.

Centre to Open Brahmaputra Study Centre At Gauhati University Union Minister for Development of North Eastern Region (DoNER) Jitendra Singh announced that a Brahmaputra Study Centre would be set up at Gauhati University at a cost of Rs 28 crore to conduct research on the causes of and how to prevent frequent floods in the river. PM Modi lays foundation stone for 2400MW Patratu super thermal power project in Jharkhand Prime Minister Narendra Modi laid the foundation stone for the first phase of 2400MW NTPCs Patratu Super Thermal Power Project in Jharkhand. The Engineering, Procurement & Construction contract of the project has been awarded to BHEL. BHEL-Bharat Heavy Electricals Limited. Headquarters: New Delhi, Chairman & MD-Atul Sobti Sikkim gets its longest tunnel Cochin International Airport worlds first fully solar Minister of State for Defence Subhash Ramrao Bhamre inaugurated energy-powered airport: UNEP 578-metre-long Theng Tunnel, the longest in Sikkim. Constructed The Cochin International Airport Ltd (CIAL) has been recognized on Gangtok-Chungthang State Highway by the Border Roads as the worlds first fully solar energy-powered airport by the United Organisation (BRO), the double-lane tunnel bypasses a treacherous Nations Environment Programme (UNEP). The solar power plants stretch of road between Sikkims capital Gangtok and Chungthang. of the airport produces 0.125 million units of power a day from its Pir Panjal Railway Tunnel (11,215 metres) in Jammu and Kashmir eight power plants with a total installation capacity of 30 MWp. is the longest railway tunnel of india. Indias longest road tunnel- This will be scaled up to 40 MWp by July 2018. Chenani-Nashri tunnel (9.2 km-long) is situated in JK between Jammu and Srinagar.

23 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 Singapore Airlines to launch worlds longest commercial 2021. The new bridge will resolve the traffic congestion on existing flights in October old 2 – lane Phaphamau bridge on NH-96 at Allahabad. Singapore Airlines has announced plans to launch the worlds PM Modi launches Eastern Peripheral Expressway in longest commercial flight(16,700km and take about 18 hours 45 minutes), a non-stop service from Singapore to New York from Baghpat October, which will take nearly 19 hours. With this, the airline will Prime Minister Narendra Modi inaugurated the Kundli-Ghaziabad- overtake the current record holder of worlds longest existing flight, Palwal (KGP) expressway, also known as the Eastern Peripheral Qatar AirwaysFlight 921 from Auckland(NewZeland) to Expressway (EPE) at the District Sports stadium in Baghpat, Uttar Doha(Qatar), which takes 17 hours 40 minutes covering 14,500km Pradesh. The 135-km EPE is Indias first smart and green highway and is built at a cost of Rs. 11,000 crore. Six museums on tribal freedom fighters to be set up It is also the countrys first highway to be lit by solar power and at The Centre will set up six museums dedicated to tribal freedom every 500 metres, the arrangement of rainwater harvesting has fighters in Gujarat, Jharkhand, Chhattisgarh, Andhra Pradesh, been done on both sides of the expressway. The Delhi-Meerut Madhya Pradesh and Kerala with an estimated cost of Rs 250 expressway stretches from Nizamuddin Bridge in Delhi to Delhi- crore. The Ministry of Tribal Affairs will contribute Rs 130 crore, UP Border. The 14-lane highway will reduce the travel time between while an equal amount will be spent by the respective states for the two cities to only 45 minutes from the present four to five the museums. Tribal Affairs minister-Jual Oram(Sundargarh-Lok hours. Sabha constituency). The biggest among these six museums in the first phase are the ones coming up in Gujarats Garudeshwar, at a Modi inaugurated Indias 1st 14-lane highway cost of Rs 102 crore, and the one dedicated to Birsa Munda in Prime Minister Narendra Modi inaugurated the 1st phase of Delhi- Ranchi, at Rs 37 crore. Meerut Expressway. The Delhi-Meerut Expressway would be Indias first 14-lane highway. The project is being built in four V K Singh flags off 1st batch of Kailash Mansarovar Yatra segments and is expected to be fully completed by March 2019. Minister of State for External Affairs V K Singh flagged off the 1st batch of three month-long Kailash Mansarovar Yatra-2018 in New ♦♦♦♦ Delhi. The Yatra will continue till the 8th of September. There are two routes for the Yatra, one through Lipulekh Pass in Uttarakhand which involves some trekking also. The other route is through VANIKS KNOWLEDGE GARDEN Nathu La Pass in Sikkim, which is motorable and suitable for senior citizens who unable to undertake arduous trekking. IFSC Code: This code is an alpha-numeric code that is Varanasi airport to get facial recognition security system used to uniquely identify a bank branch participating in under DigiYatra scheme the electronic payment systems in India like Real Time The Lal Bahadur Shastri International Airport in Varanasi will soon Gross Settlement (RTGS) and the National Electronic become Indias first airport to have an automated smart facial Fund Transfer (NEFT). recognition system, ensuring hassle-free movement of travellers • It is an 11 digitcode.First 4 letters represent bank from entry to boarding points. The system has been developed code. The 5th letter is a 0(Zero). last six letters under Prime Minister Narendra Modis ambitious DigiYatra represent bank branch. scheme. • Varanasi is among three airports – the others being Visakhapatnam For example: IFSC code of a particular branch of and Kolkata – selected under the programme for availing of this ICICI bank may look like ICIC0001207. facility. MICR:MICR stands for Magnetic Ink Character Recognition. Vadsar landfill site turns into tree museum This code is present at the bottom of cheques and other In a unique initiative, the Vadodara Municipal corporation (VMC) vouchers. has converted a garbage dumping ground located at Vadsar on the • outskirts of the city into a museum of trees. This place has been MICR code is 9 digits numeric code used to named as Urban forest – museum of trees. The land fill site on the identify a bank participating in electronic clearing banks of Viswamitri river has 100 different species of trees and scheme. includes most found in the state. • First 3 digits represents city code The second 3 digits represents Bank code The last 3 digits Cabinet approves construction of a new 6 - Lane bridge denotes bank branch. across River Ganga at Phaphamau The Cabinet Committee on Economic Affairs has approved the • For example:MICR-no of one of the project for construction of 9.9 km long new 6 – lane bridge across branches in is 600019004. river Ganga on NH – 96 at Phaphamau in Allahabad with total capital cost of Rs. 1948.25 crore. The construction period for the project is three years and likely to be completed by December,

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• Notable countries that failed to qualify include four-time champions Italy, Netherlands, Cameroon, Chile, New Zealand, United States, Ghana and Ivory Coast. • FIFA-Fédération Internationale de Football Association. Founded-1904, Headquarters: Zürich, Switzerland • Membership: 211 national associations, President: Gianni Infantino. Secretary General:Fatma Samoura US, Mexico and Canada to host 2026 FIFA World Cup The United States, Mexico and Canada won the right to host the 2026 World Cup (23rd ) after easily beating Morocco in a vote by FIFA member nations .22nd edition of the FIFA World Cup is scheduled to take place in Qatar in 2022. XXth International Umakhanov boxing Tournament held in Kaspiysk, Russia New Zealands teenage player Amelia Kerr sets world record • The XXth International Umakhanov boxing in the womens ODI Tournament was held from June 6-12 in the city of Kaspiysk, New Zealand teenager Amelia Kerr set a new world batting record Russia.Boxer Saweety Bora (75kg) appeared as the sole gold in womens one-day cricket with her unbeaten 232 against Ireland medalist from India. • in Dublin. With the feat, Kerr broke the 21-year-old record held by Brijesh Yadav in 81 kg and Virender Kumar in 91 kgs Australian Belinda Clarke, who scored unbeaten knock of 229 lost in finals and settled for the Silver medals. • against Denmark in 1997. Kerrs 232* is the third highest score in Pinki Rani (51 kg), Shashi Chopra (57 kg), Pavitra (60Kg) ODI cricket history. India mens player Rohit Sharma is at the top and Gaurav Bidhuri had settled for a bronze medal. of the pile with his 264 scored against in 2014, with the to become first Indian to play in s nbeaten 237 made by New Zealands Martin Guptill, against West Kia Super League Indies in 2015 India Womens Cricket team opener Smriti Mandhana will become Shikhar Dhawan becomes first Indian to score century the first Indian player to appear in Kia Super League – the womens before lunch cricket super league in England. Smriti was signed by Western Shikhar Dhawan became the first Indian batsman to score a hundred Storm and will represent them in the upcoming edition of the before lunch on the opening day of a Test match. The Delhi left- tournament beginning 22 July that features six teams. Last month, hander achieved the feat in the opening session of the first day of she captained the IPL Trailblazers in the recent Womens T20 the one-off Test match against Afghanistan in Bengaluru on June Challenge. Smriti has also featured in the Big Bash League for 14. Brisbane Heat. FIFA World Cup 2018 to be held in Russia 14th June to French Open 15th July WOMEN TITLE-Top-ranked Romanian Simona Halep beat Sloane Stephens in final sets to claim her first Grand Slam title at the • The 21st edition of the FIFA World Cup will be held in French Open.Halep became the second Romanian woman to win a Russia from June 14 to July 15. Grand Slam singles trophy after Virginia Ruzici at Roland Garros • Hosts Russia will take on Saudi Arabia in the opening in 1978. match on June 14. MEN TITLE-World number one Rafael Nadal won an 11th French • Russia and Saudi Arabia are placed in Group-A. The Open title by beating Austrian Dominic Thiem.With this Nadal(32) game will take place in the Luzhniki Stadium in Moscow.( won his 17th Grand Slam, three adrift of Roger Federers all-time Number of teams: 32) mens record. • A wolf Named Zabivaka who radiates fun, charm and confidence has been chosen by the Russian public as the India beat Kenya to lift Intercontinental Cup football title Official Mascot for the 2018 FIFA World Cup Russia. (a) India won the title of Intercontinental Cup Football • Both Iceland and Panama qualified for the first time, Tournament after 2-0 victory in the final against Kenya with the Iceland becoming the smallest country in terms at the Mumbai Football Arena.Skipper Sunil Chhetri of population to reach the World Cup. scored in the eighth and 29th minutes to hand India a convincing victory. ( Sunil Chhetri is from Secunderabad)

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(b) With this he also equalled Argentinas Lionel Messis respectively in the U-16 Trophy and to tally of 64 international goals, making him the joint- the Best Junior and Senior Cricketer in womens cricket. second active international goalscorer behind Portugals (d) The Cricket Association of Bengal has been adjudged the Cristiano Ronaldo (81 goals). best State Association owing to their consistent performances in the BCCI domestic tournaments for the Bangladesh beat India to lift maiden Womens Asia Cup 2016-17 season while the Delhi and District Cricket T20 title Association gets the prize for the 2017-18 season. (a) Bangladesh defeated India in a nail-biting final of Asia (e) Board of Control for (BCCI)-President: Cup T20 2018 cricket tournament at the Kinrara C.K. Khanna, Chief Exec: Rahul Johri, Secretary: Amitabh Academy Oval in Kuala Lumpur. With the win, Chaudhary. Headquarters: Mumbai, Founded: December Bangladesh became the first side to beat India in an Asia 1928 Cup final. (b) India have won six titles since the tournaments inception New Zealand women make record ODI total against Ireland in 2004, while for Bangladesh, this is their maiden final in Dublin appearance. Indian Captain- New Zealand womens team smashed the world record for the highest ever One-Day International (ODI) score by posting a India Wins 17 Medals at Asian Junior Athletics mammoth 490-4 against Ireland at at the YMCA Sports Club, Championships 2018 Dublin. The 2018 Asian Junior Athletics Championships was the 18th edition of the International athletics competition for Asian under- emerged as International Cricketer of Year at 20 athletes. The competition took place over four days from 7–10 CEAT ratings June at Gifu Nagaragawa Stadium in Gifu, Japan. India bagged 17 (1) India skipper Virat Kohli has emerged as the International medals — five gold, two silver and 10 bronze — in the four-day Cricketer of the Year 2018 at the CEAT Cricket Ratings championships to finish third behind Japan (14 gold, 15 silver, 13 awards presented in Mumbai on May 28. bronze) and China (11 gold, 8 silver, 4 bronze). (2) International Batsman of the Year Award: ShikharDhawan (3) International Bowler of the Year Award: Trent Boult Boxer Saweety Boora claims gold at Umakhanov Memorial (New Zealand) Tournament (4) T20 Batsman of the Year Award : Colin Munro (New Indian woman boxer Saweety Boora claimed a gold medal in the 75 Zealand) kilogram category at the Umakhanov Memorial Tournament in (5) T20 Bowler of the Year Award: Rashid Khan Kaspiysk, Russia. The former World Championship silver-medallist (Afghanistan) beat home favourite Anna Anfinogenova in the final to finish on (6) Outstanding Innings of the Year Award: top. HarmanpreetKaur (7) Lifetime Achievement Award: (former Gavit Murli Kumar Wins Gold in Gouden Spike meet in the India -keeper) Netherlands (8) Popular Choice Award: Chris Gayle (West Indies) Indian long distance runner Gavit Murali Kumar bagged a Gold in (9) Domestic Player of the Year Award: MayankAgarwal mens 10,000 metre race at the Gouden Spike meeting in Leiden, (10) U19 Player of the Year award: Shubhman Gill The Netherlands. The 21-year-old Kumar, hailing from Gujarat, clocked a personal best of 28 minutes 43.34 seconds. It was the CWG gold medallist discus thrower retires best by an Indian in the ongoing season and the second fastest time Top discus thrower Vikas Gowda announced retirement from the by an Indian ever in the distance race, just short of long-distance sport after competing at the highest level for more than 15 years.The coach Surendra Singhs national record of 28 minutes 02.89 seconds four-time Olympian, who will turn 35 on July 5 became the first set at Vigo, Spain in 2008. and only Indian male to win a Commonwealth Games medal in the discipline during his sports career. Kohli set to receive award He took part in the 2004, 2008, 2012 and 2016 Olympics. Of the (a) Team India captain Virat Kohli will be presented with three, he was able to reach the final round only in the 2012 London the prestigious Polly Umrigar Award for the Best Games.The Mysore-born Gowdas first gold medal came from International Cricketer (2016-17 and 2017-18) at the was in the Asian Championships in 2013.He had also won gold in BCCI Awards to be held in Bengaluru on June 12th, the 2013 and 2015 Asian Championships as well as in 2014 Glasgow 2018. CWG. He won silver in the 2010 Commonwealth Games and 2014 (b) In the womens category, Harmanpreet Kaur and Smriti Asian Games bronze in 2010 Asian Games. Mandhana are set to be maiden recipients of the award for Best International Cricketer for the 2016-17 and 2017- Virat Kohli among worlds highest-paid athletes; no women 18 seasons respectively. in top 100: Forbes (c) To honor one of its finest administrators, the BCCI has India cricket team captain Virat Kohli is among the worlds highest- rechristened four awards in remembrance of Late paid athletes, according to Forbes. Kohli is the only sportsperson Jagmohan Dalmiya. The Jagmohan Dalmiya Trophy will from India to be featured in the list topped by American boxing be presented to the leading run-scorer and wicket-taker

26 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 champion Floyd Mayweather. The Indian skipper is ranked 83rd NEWS IN BRIEF with earnings of USD 24 million, according to the website. • The ICC included Nepal, Netherlands, Scotland and the French Open: Nadal earns 900th win UAE in their ODI rankings list apart from the 12 existing World No. 1 Rafael Nadal added another feather to his cap by countries.The ICC release states that results of all the becoming the fifth man in the Open Era to win 900 matches during bilateral ODIs involving these new teams will henceforth his entire tennis career. The Spaniard achieved it after recording a be taken into account while calculating the rating points. • 6-3, 6-2, 7-6(4) win over Germanys Maximilian Marterer in the FIFA lifted a suspension imposed on Guatemala Football fourth round of French Open 2018. Earlier the record has been Association 18 months ago over its failure to comply achieved only by by Jimmy Connors (1,256), Roger Federer with anti-corruption rules. (1,149), Ivan Lendl (1,068) and Guillermo Vilas (948). The 10- time French Open champion got his 224th Grand Slam win. ♦♦♦♦

• Jupiter is the fifth planet from the Sun and the largest in the Solar System. Jupiter is primarily composed of hydrogen and helium. Jupiter has at least 69 moons, including the four large Galilean moons discovered by Galileo Galilei in 1610. Ganymede, the largest of these moon. NASSCOM launches programme to support women techies Indian IT industrys apex body NASSCOM (National Association of Software & Services Companies) has launched Women Wizards Rule Tech programme to increase number of women in senior levels in Information Technology (IT) industry. NASSCOM-Chairperson: Rishad Premji, Headquarters: Noida, Est-1988 Reliance Industries investing in Indias first carbon fibre unit Reliance Industries (RIL) is investing to set up NASA extends Junos Jupiter mission until July 2021 Indias first carbon fibre manufacturing unit to cater to aerospace (a) The US space agency NASA has decided to extend its and defence needs. The company will also make low-cost and Juno Mission until July 2021, making way for the probe high-volume composite products like modular toilets, homes and to spend three more years in orbit around Jupiter. composites for windmill blades and rotor blades. (b) Launched in August 2011 with an aim to improve our understanding of the solar systems beginnings by Google Releases Low-Code App Maker revealing the origin and evolution of Jupiter. The Juno Google has officially released its low-code App Maker for all G spacecraft arrived at the largest planet of our solar system Suite Business and Enterprise, and Education customers. App in July 2016. Maker is Googles attempt to compete with other low-code (c) Juno originally had a short lifespan, since it was supposed development platforms such as Pega Platform, Salesforce Lightning, to orbit Jupiter every 14 days. Unfortunately, something and Appian. It offers easy app templates, drag-and-drop UI design went wrong with the valves in its fuel system (and those and declarative data modeling for IT developers and enthusiasts to are necessary for main engine burns), so it got stuck build apps. doing 53-day orbits instead of 14-day ones like its ground team planned. Longer orbits mean it needs more time to Cashless Ticketing through Utsonmobile app developed collect the amount of data NASA wanted to get — this by CRIS extension will give the agency the chance to learn Moving towards becoming cashless and digital economy, the Centre everything it can about the biggest planet in our solar for Railway Information System (CRIS) has developed a mobile system. based application named Utsonmobile for faster and more techno- NOTE : advanced transactions in Indian Railways. The App enables booking • The National Aeronautics and Space and cancellation of unreserved tickets, issue and renewal of season Administration(NASA)-Headquarters: Washington, D.C. and platform tickets, check and load R-wallet balance and helps Founder: Dwight D. Eisenhower(1958). maintain user profile management and booking history.

27 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 India to Soon Have its First Indigenous Lithium Ion Battery Energy Storage System. They can power any electrical application Project without the need of physical wires Central Electro Chemical Research Institute (CECRI), Karaikudi, Facebook ties-up with National Women Commission to Tamil Nadu under Council of Scientific & Industrial Research (CSIR) and RAASI Solar Power Pvt Ltd have signed a Memorandum of launch digital literacy programme Agreement for transfer of technology for Indias first Lithium Ion Social networking giant Facebook partnered with the National (Li-ion) Battery project. India is one of the largest importers and Commission for Women (NCW) to launch a Digital Literacy in 2017, it imported nearly 150 Million US Dollar worth Li-Ion Programme. The Digital Literacy Programme will be launched in batteries. collaboration with the Cyber Peace Foundation (CPF). Cyber Peace According to the Ministry of Science and Technology, the Foundation is a Ranchi, Jharkhand-based civil society organisation indigenous technology of Lithium-ion cells has been developed by involved in training related to all aspects of cyber security. NCW a group of CSIR-CECRI headed by Dr Gopu Kumar in partnership is a statutory body established under the National Commission for with CSIR-National Physical Laboratory (CSIR-NPL) New Delhi, Women Act, 1990. It was established in January 1992 to review CSIR- Central Glass and Ceramic Research Institute (CSIR- the constitutional and legal safeguards for women. Chairpersons- CGCRI) Kolkata and Indian Institute of Chemical Technology Rekha Sharma (CSIR-IICT) Hyderabad. Li-Ion batteries have applications in ♦♦♦♦

India records 22 per cent reduction in Maternal Mortality Ratio India recorded 22 per cent reduction in Maternal Mortality Ratio (MMR) since 2013, as per the Sample Registration System (SRS) bulletin that was released by the Office of the Registrar General of India. According to the bulletin, the Maternal Mortality Ratio in India declined from 167 in 2011- 2013 to 130 in 2014-2016. The MMR is defined as the proportion of maternal deaths per 1, 00,000 live births. Kerala topped the list with 46 MMR, followed by Maharashtra with 61 and Tamil Nadu with 66.The highest maternal death ratio was recorded by Assam at 237. WHO classifies gaming disorder as mental health condition The World Health Organization (WHO) has now included “gaming disorder” as a mental health condition in its International Classification of 20 States sign MoUs to implement Ayushman Bharat health Diseases (ICD). The ICD, a diagnostic manual published by the scheme WHO, was last updated in 1990 and its new edition, ICD-11, has Twenty states and Union Territories have signed initial agreements included gaming disorder as a serious health condition that needs to to implement the Prime Ministers scheme to provide health be monitored. insurance to 10 crore poor families in the country. The scheme World Health Organization-Headquarters: Geneva, Switzerland, aims to provide up to Rs 5 lakh health cover for 10 crore below- Founded: 7 April 1948, Head: Tedros Adhanom poverty line families identified using Socio-Economic Caste Census data. JP Nadda Inaugurates 10th Global Alliance to Eliminate Health and Wellness Centre:-Under Ayushman Bharat scheme, 1.5 Lymphatic Filariasis Meet in Delhi lakh centres will bring health care system closer to the homes of Union Health Minister JP Nadda inaugurated the 10th meeting of people. The Budget has allocated Rs.1200 crore for this flagship the Global Alliance to Eliminate Lymphatic Filariasis (GAELF) in programme. Indu Bhushan appointed as a Chief Executive Officer New Delhi. The minister launched Accelerated Plan for Lymphatic (CEO) of . Filariasis Elimination (APELF) 2018 for India on the occasion. The GAELF theme for this year is Celebrating progress towards

28 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 elimination: Voices from the field on overcoming programme Centre to open Yoga, AYUSH centres to treat patients in challenges. AIIMS Lymphatic Filariasis (LF) or commonly known as Elephantiasis is Union Minister of State for Health Ashwini Choubey said The one of the oldest and most debilitating neglected disease, which is centre will shortly open yoga and ayush centres in the All India currently endemic in 73 countries of the world, including India. Institutes of Medical Sciences (AIIMS) that are currently functional. The Ministry of Ayurveda, Yoga and Naturopathy, Unani, Siddha Health Ministry launches stop smoking campaign and Homoeopathy, abbreviated as AYUSH. Shripad Naik- Ministry The Ministry of Health and Family Welfare, Government of India, of state independent charge. recently launched a national media campaign titled “What Damage Will This Cigarette/Bidi Do,”. The campaign amplifies the theme ♦♦♦♦ of this years World No Tobacco Day(31 May), which is Tobacco Breaks Hearts.

Gaj Yatra begins in Northeast The Ministry of Environment, Forest and Climate Change and the Wildlife Trust of India (WTI) rolled out the Gaj Yatra from Tura, the principal town of Garo Hills in Meghalaya.Gaj Yatra is a nationwide campaign launched by the Wildlife Trust of India in collaboration with Union Environment, Forest and Climate Change in New Delhi on August 12, 2017, World Elephant Day to protect the elephant and its habitat. The 4 days yatra was flagged off by Bollywood actor and brand ambassador of Wildlife Trust of India, Dia Mirza on May 28.

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Railways to become net zero carbon emitter by 2030 VANIKS KNOWLEDGE GARDEN Railways Minister Piyush Goyal said Indian Railways will become BANDHAN BANK a “net zero” carbon emitter by 2030,, given that the current action • Bandhan Bank was set up in 2001 to handle plan has proposed 100% electrification of the rail network, besides dual objective of poverty alleviation and introducing renewable strategies. The minister also said that the women empowerment. railways would procure around 100,000 additional wagons over • Received its universal banking licence from the next five years, of which half of the wagon requirement will be Reserve Bank of India. The bank will provide by Coal India Limited. Railway has been able to ramp up track funds to help and develop the Small and renewal to 476 km every month. The total investments in Railway Medium Enterprises (SME). for 2018-19 will be Rs1.4 trillion. • The saving interest rates have been fixed at 4.25% below Rs. 1,00,000 and5% above Rs. IMD partnered with BSNL for sending extreme weather 1,00,000. warnings in Delhi • Headquarters is located at Kolkata, West In a move to warn the general public about the extreme weather Bengal. condition, the India Meteorological Department (IMD) is teaming • Slogan of bank is "AapkaBhala, up with state-run Bharat Sanchar Nigam Limited (BSNL). IMD SabkiBhalai". Director- Dr. K.J. Ramesh. Bharat Sanchar Nigam Limited- • MD and CEO of bank is Chandra Headquarters: New Delhi, CEO: Shri Anupam Shrivastava ShekharGhosh.

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in Mumbai ensuring timely completion of its hull, engineering, electrical and weapon work package. MCGS Guardian, after successfully completing all the mandated trials, is now set to return to Mauritius. India Successfully Test-Fires SFDR Propulsion Based Missile India successfully carried out the flight test of Solid Fuel Ducted Ramjet (SFDR) propulsion based missile from the Launch Centre-III of Integrated Test Range at Chandipur in Odisha. DAC approves procurement of equipments worth Rs 6,900 crore The Defence Acquisition Council (DAC), chaired by Raksha Mantri Smt Nirmala Sitharaman, has approved the procurement of equipment for the Defence Forces valued at over Rs. 6900 crore. The approval included the procurement of Thermal Imaging (TI) Night Sights for the Rocket Launcher (RL) used by the Army and the Air Force under BUY (Indian) IDDM category through Pakistan has more nuclear warheads than India: SIPRI established Indian Vendors. According to the annual nuclear forces data by Stockholm Rustom-2 drone to be delivered to armed forces by 2020 International Peace Research Institute (SIPRI) nine countries— THE Rustom-II Unmanned Aerial Vehicle (UAV), which is being the US, Russia, Britain, France, China, India, Pakistan, Israel and developed by the Defence Research and Development Organisation North Korea—had 14,465 nuclear warheads at the beginning of (DRDO), will be delivered to the armed forces by 2020.DRDO 2018, of which 3,750 were actually deployed. Chairman-S Chistopher. Rustom II has completed one test at Russia (with 6850 nuclear warheads) and US (with 6450 warheads) Chitradurga in Karnataka.The drone is being developed for use by hold 92% of worlds total nuclear warheads. Britain has 215 nuclear all three services of the Indian Armed Forces, primarily for warheads, France has 300, China has 280, India 130-140, Pakistan intelligence, surveillance and reconnaissance (ISR) operations. The 140-150, Israel 80 and North Korea 10-20. SIPRI is an independent medium-altitude prototype can fly at over 22,000 feet and is a think tank that uses open sources to compile such data since 1966. long-endurance UAV that has an 20 hours approximate flight time. DRDO turns Pinaka rocket system into guided missile The indigenous Pinaka rocket system of the Defence Research and MILITARY EXERCIS Development Organisation (DRDO) is being evolved into a • The tri-service joint military exercise Indra-2018 between precision-guided missile, with enhanced range and accuracy to hit India and Russia will take place at Indian military base in its targets. The missile, known for firing a salvo of 12 rockets in second half 2018. just 44 seconds, has completed the initial trial, will undergo • The 14-day long joint military training exercise SURYA developmental trials next month. The Pinaka Mark II is expected KIRAN-XIII between India & Nepal culminated at to be inducted in the armed forces in the next two years. Pithoragarh on June 12. US Govt. Approves Sale of Six Apache Attack Choppers to • India, US, Japan start 22nd Malabar exercise in Guam in India Micronesia, Pacific Ocean The Trump administration has approved a deal to sell six AH-64E List of exercises of the Indian Army in 2018 Apache attack helicopters to India for USD 930 million. In addition Participating Name Location to the attack helicopters, the contract also includes fire control Country radars; Hellfire Longbow missiles; stinger Block I-92H missiles; Vinbax I Vietnam Jabalpur, India night vision sensors and inertial navigation systems. Vajra Prahar USA Lewis-McChord, Nuclear-capable Agni-5 ballistic missile successfully test- USA Shakti IV France France fired off Odisha coast Lamitye VIII Seychelles Mahe, Seychelles India successfully test-fired its indigenously developed nuclear Surya Kiran Nepal Pithoragarh, India capable long range ballistic missile Agni-5 with a strike range of XIII 5,000 km. The surface-to-surface missile was launched from Dr Khanjar V Kyrgyzstan Vairengte, India Abdul Kalam Island off the Odisha coast. This was the sixth trial Harimau Malaysia Hulu Langat, of the state-of-the-art Agni-5 ballistic missile. Shakti Malaysia completes refit of 32-year-old Mauritian ship Vijay Prahar Mahajan Firing Range, India The Indian Navy began the refit of the Mauritius Coast Guard ♦♦♦♦ Ship (MCGS) Guardian on December 1 2018 at the Naval Dockyard

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(MGNREGS). Chief Minister of Madhya Pradesh Shivraj Singh Chouhan will be its convener and CMs of Andhra Pradesh, Gujarat, Bihar, West Bengal, Uttar Pradesh and Sikkim along with Member NITI Aayog, Ramesh Chand as its members. It comes close on heels of unanimous decision taken at 4th meeting of Governing Council of NITI Aayog chaired by Prime Minister Narendra Modi. MGNREGA aims to enhance livelihood security in rural areas by providing at least 100 days of wage employment in a financial year to every household whose adult members volunteer to do unskilled manual work.The NDA government has decided to provide 150 days for rain hit areas. Committee for Gandhis 150th birth anniversary celebrations The government has set up an executive committee (EC) under the chairpersonship of Prime Minister Narendra Modi to “spread Mahatma Gandhis legacy” among the people at the national and Committee to examine using MNREGA in agriculture international level. The committee comprises senior cabinet ministers, the leader of opposition in the Rajya Sabha, The Union Government has constituted Chief Ministers Subgroup renowned Gandhians, social activists and noted public figures. to coordinate policy approaches for agriculture sector and Mahatma ♦♦♦♦ Gandhi National Rural Employment Guarantee Scheme

is Swami Vivekanand International Convention Centre, Pailles Mauritius.The World Secretariat (WHS) located in Mauritius will be the organising authority of the event. Mauritius-Capital: Port Louis, Currency:Rupee. Prime Minister: Pravind Jugnauth, President: Barlen Vyapoory. 7th OPEC international Seminar The Organization of the Petroleum Exporting Countries (OPEC) hosted the 7th OPEC International Seminar at the Imperial Hofburg Palace in Vienna, Austria, on 20"21 June 2018. The theme of the Seminar is Petroleum – cooperation for a sustainable future. OPEC -Secretary general: Mohammed Barkindo,Headquarters: Vienna, Austria Naval Women Mountaineers Summit Mount Deotibba An all women Naval mountaineering team led by Mauritius to host 11th World Hindi Conference Lt Cdr Kokila Sajwan summited Mount Deotibba an 10 Jun 2018. The 11th World Hindi Conference will be held in Mauritius from The expedition was flagged off by Vice Admiral AK Chawla, Chief August 18 to August 20, 2018 with an aim to increase the Of Personnel on 28 May 18 from New Delhi.Mt Deotibba is the popularity of Hindi globally. The main theme of the Conference is Hindi Vishwa Aur Bharatiy Sanskriti. The venue of the Conference

31 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 second highest peak (6001M) in the Pir-Panjal range in Himachal the five-day science congress is Future India: Science & Pradesh and is considered to be a difficult peak to summit. Technology. India Hosted European Union Film Festival Hamburg To Host 2018 Global Wind Summit India hosted the 23rd European Union Film Festival (EUFF) with The first edition of the Global Wind Summit will be held in a premiere in New Delhi on 18th June, 2018 at the Siri Fort Hamburg, Germany from September 25-28, 2018. The four-day Auditorium. The festival traversed through 11 cities in India event would witness participation of about 100 countries, including including New Delhi, Chennai, Port Blair, Pune, Puducherry, India, China, the US, Spain and Denmark. Kolkata, Jaipur, Visakhapatnam, Thrissur, Hyderabad and Goa Google to host first Demo Day for Asian startups in from 18th June till 31st August.This years film festival features Shanghai 24 latest European films from 23 EU Member States. Google is set to host its first-ever Demo Day for Asian startups in 106th Indian Science Congress to Be Held in LPU Shanghai, China on September 20. Since 2014, Google for The 106th edition of the “Indian Science Congress” will be Entrepreneurs has organised Demo Days in the US and Europe for inaugurated by Prime Minister Narendra Modi at Lovely startups to connect with investors and scale globally. Professional University from January 3 to 7, 2019. The theme for ♦♦♦♦

of major Indian crops published by NABARD.NABARD-Founded: 12 July 1982, Headquarters: Mumbai, Agency executive: Harsh Kumar Bhanwala (Chairman) A.R. Rahmans authorised biography to be out in August Oscar-winning music A.R. Rahmans upcoming authorised biography is scheduled to be out in August 2018.Titled “Notes of a Dream: The Authorized Biography of A.R. Rahman”, it has been written by Krishna Trilok, a Chennai-based writer shedding light on his life and philosophy.The book will be published by Penguin Random House India.

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Maneka Gandhi, Ahir Launch Book on Prevention of Crimes VANIKS KNOWLEDGE GARDEN Against Children AIIBBANK Union Minister for Women and Child Development Maneka Gandhi • AIIB is a multilateral development bank and Minister of State for Home Hansraj Ahir has jointly launched backed by China and is seen as a rival to the a handbook titled “Legal Processes for the Police in Respect of Crime Against Children” on ways to prevent crimes against children. World Bank and Asian Development Bank The handbook dealing with the safety of children, has been brought (ADB). The capital of the bank is $100 billion out by the Bureau of Police Research and Development (BPR&D) • AIIB headquarters in Beijing, China. in collaboration with the Tata Institute of Social Sciences (TISS). • Mr. Jin Liqun is the current President of Nitin Gadkari Releases NABARD Publication on Water AIIB. Productivity Mapping of Major Indian Crops • Union Minister for Water Resources, River Development and Bank currently has 64 member states. Ganga Rejuvenation, Shipping, Road Transport & Highways Shri Nitin Gadkari released a book titled Water productivity mapping

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building (CEMS) is being set up in partnership with Siemens and Indian Register of Shipping (IRS) at a cost of Rs 766 crore. Kalinga Literary Festival begins in Odisha The 5th edition of the Kalinga Literary Festival (KLF) kick-started in Odisha in the presence of eminent personalities from Indian literature, politics, media, and public services.KLF is an annual literary festival held in the Smart and Temple city of Bhubaneswar of Odisha normally in the month of June each year. Sports Minister Rajyavardhan Rathore Approves Revised Guidelines for Maulana Abul Kalam Azad Trophy Sports Minister Col. Rajyavardhan Rathore has approved the revised guidelines for Maulana Abul Kalam Azad (MAKA) Trophy to rationalize and simplify the selection of top performing university Worlds oldest Sumatran orangutan dead in sports. The criteria for calculation of marks for selection of The worlds oldest known Sumatran orangutan named Puan has died at Perth Zoo, Australia aged 62, leaving behind 54 universities for the trophy has been revised in which the descendants.Described as the “grand old lady” by Zoo authorities, performances of the students in Olympic Games, Paralympic she had been at the zoo since 1968, and was officially recognised Games, World Cup, Asian Games, Commonwealth Games, World by Guinness World Records as the oldest of her species in 2016. University Games, Khelo India University Games and Intra Zonal University Games has been included. Bellandur largest septic tank of Bengaluru Besides, the amount of award money for the overall all winner A committee set up by the National Green Tribunal (NGT) to university has been enhanced from 10 lakh to 15 lakh rupees and inspect the lakes in Bengaluru has blamed the Karnataka government and various state agencies for “miserably” failing to discharge their for 1st Runner-up the amount has been enhanced from Rs 5 lakh to duties. According to the committee, Bellandur, the biggest lake of Rs 7.5 lakh while 2nd Runner-up universities will get Rs 4.5 lakh Bengaluru, has become the largest septic tank of the city just because from Rs 3 lakh earlier. of lack of interest and negligence towards duty by the authorities.The committee made equally disturbing observations Deccan Queen completes 88 years of Service for Bellandurs neighbouring Varthur lake. The committee said Deccan Queen, the legendary Express train, also known as Dakkhan Varthur lake was “far worse” than Bellandur lake in almost every ki Rani, that has formed an irreplaceable part of fairy tales and aspect, “from sewage to stink” and “from fire to froth”. poems in the state of Maharashtra completed 88 years of service on June 1.Deccan Queen is Indias first deluxe train launched by Rajasthan Governor Kalyan Singh discontinues ceremonial the Indian Railways in 1930 to connect two of Maharashtras guard of honour most prominent cities- Mumbai and Pune. It is named after Pune, Rajasthan Governor Kalyan Singh has discontinued the tradition the city popularly known as the Queen of Deccan. of giving ceremonial Guard of Honour to the Governor. He is the first Governor of the country who made big changes regarding this Sangeeta Bahl Becomes Oldest Indian woman to Scale Mount type of arrangements. The practice was discontinued during Everest governors recent visit to Jodhpur when he did not accept the Sangeeta Bahl, a 53-year-old former model and entrepreneur from guard of honour. Jammu and Kashmir, has become the oldest Indian woman to Workshop on Skill Development in Port and Maritime Sector conquer Mount Everest. Bahl, who currently resides in Gurugram, Held in New Delhi was felicitated at the Indian embassy in Kathmandu.She beat the A day-long workshop on Skill Development in Port and Maritime record previously held by Prem Lata Aggarwal who had become Sector was conducted in New Delhi.The workshop was organised the oldest Indian woman to scale Mt Everest at the age of 48 in by Ministry of Shipping in association with Deen Dayal Upadhyay 2011. Gramin Kaushal Yojana (DDU GKY) under the Ministry of Rural Development. Ministry of Shipping under its flagship Rs 14 lakh crore Sagarmala ♦♦♦♦ Programme a world class Centre of Excellence in maritime and ship

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(SafeDay) came together in a joint campaign to improve the safety and health of young workers and end child labour. (c) The joint campaign aims to boost initiatives to achieve the Sustainable Development Goal (SDG) target 8.8 of safe and secure working environments for all workers by 2030 and SDG target 8.7 of ending all forms of child labour by 2025. (d) The International Labour Organisation (ILO) proclaimed the World Day against Child Labour in 2002 to focus attention on the global extent of child labour and the action and efforts needed to eliminate it. (e) ILO- Headquarters: Geneva, Switzerland. Head:Guy Ryder World Brain Tumor Day 2018 Every year, June 8 is observed as World Brain Tumor Day. The day is meant for people who are suffering June 17: World Day to Combat Desertification and Drought from brain tumor and help them deal with the condition in a better The 2018 Theme for World Day to Combat Desertification and and more effective way. Drought is “Land has true value – invest in it.” 8 June: World Oceans Day World Refugee Day: 20 June The action focus for the 2018 World Oceans Day was preventing Each year on June 20 the United Nations, United Nations Refugee plastic pollution and encouraging solutions for a healthy ocean. Agency (UNHCR) and countless civic groups around the world The agenda also coincided with the theme of 2018 World host World Refugee Day events in order to draw the publics Environment Day –Beat Plastic Pollution. attention to the millions of refugees and Internally displaced persons worldwide who have been forced to flee their homes due to war, World Bicycle Day: 3 June conflict etc. The first official World Bicycle Day was observed on June 3, 2018. UNHCR-Head: Filippo Grandi, headquarters: Geneva, World Bicycle Day: Discover India By Bicycle, Suggests This Switzerland. Goodwill Ambassador-Angelina Jolie Start-Up On 12 April 2018, the United Nations (UN) declared June 3 World Bicycle Day. A mega cycling event was organised at 15 June : World Elder Abuse Awareness Day Connaught Place by New Delhi Municipal Council (NDMC) in The day aims to focus global attention on the problem of physical, collaboration with Smartbike and World Cycling Alliance. It was emotional, and financial abuse of elders. The theme for 2018 World flagged off by Vice-President Venkaiah Naidu from Charkha Elder Abuse Awareness Day is “Moving from Awareness to Action Museum. through a Human Rights based approach”. International Day of UN Peacekeepers: 29 May 16 June: International Day of Family Remittances The “International Day of United Nations Peacekeepers”, May The initiative aims to recognize the significance of the money sent 29, was designated by UN General Assembly on December 11, by the migrant workers to their families back home to help them 2002, after an official request of the Ukrainian Peacekeepers have a better living. Association and the Government of Ukraine. This year, the United Nations celebrates the 70th anniversary of UN peacekeeping. The 14 June: World Blood Donors Day theme for International Day of United Nations Peacekeepers 2018 The theme of the World Blood Donors Day 2018 is Be there for is “70 Years of Service and Sacrifice” someone else. Give blood. Share life. It is one of the eight official global public health campaigns marked World Thyroid Awareness Day: 25 May by the World Health Organization (WHO) along with: World The World Thyroid Day is observed every year on May 25 to Tuberculosis Day (24 March), World Health Day (7 April), World spread awareness of thyroid health and educating about prevention Immunization Week (last week of April), World Malaria Day (25 and treatment of thyroid diseases. The theme of World Thyroid April), World No Tobacco Day (31 May), World Hepatitis Day Awareness Day in 2018 is “Environment and the Thyroid” (28 July) and World AIDS Day (1 December). 12 June: World Day against Child Labour (a) The theme of World Day against Child Labour 2018 was ♦♦♦♦ Generation Safe & Healthy. (b) This year, the World Day against Child Labour (WDACL) and the World Day for Safety and Health at Work

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1. World Anti-Doping Agency (WADA) members attend The annual Asia and Oceania Region Inter-Governmental Ministerial meeting on anti-doping in Colombo. WADA-Headquarters: Montreal, Canada. President: Craig Reedie 2. The Union Cabinet on has approved a Rs 24,000 crore foreign direct investment (FDI) as additional share capital into private sector HDFC Bank. 3. Fitch Ratings has revised the outlook on private sector to negative from stable and also downgraded ICICI Banks Support Rating, stating that both lenders “exhibit gaps in risk controls mechanism”. Fitch Ratings Inc. is one of the “Big Three credit rating agencies”, the other two being Moodys and Standard & Poors. Fitch Ratings is dual-headquartered in New York, US, and London, UK. Paul Taylor-President & CEO 4. Facebook has announced its partnership with the National Commission for Women (NCW) to conduct a digital literacy programme aimed at training women scholars in Panjab University. 5. Microsoft has acquired Flipgrid, a popular video platform used by more than 20 million teachers and students worldwide, for an undisclosed amount. 6. Google India said that it will train 8,000 Indian journalists on fact-checking. Google will train the journalists in English and six other Indian languages in the next one year. 7. Central Water Commission (CWC), Indias apex technical organization in the field of Water Resources, has entered into a Collaboration Agreement with Google to seek help in effective flood management in India. 8. Greece and Macedonia signed a historic preliminary agreement to rename the small Balkan nation as republic of North Macedonia ending the conflict going on since 1991. 9. Odisha govt. launched Biju Swasthya Kalyan Yojana (BSKY).Its parallel to the Ayushman Bharat of central govt. to provide per annum Rs. 5 lakh health assurance to 70 lakh families in the state. 10. The National Disaster Management Authority (NDMA) conducted a mock exercise on flood preparedness in Uttar Pradesh in a move to improve flood preparedness ahead of the monsoon season. 11. The Union ministry of finance has approved Rs 1,900 crore tourism infrastructure development project for Himachal Pradesh. It would be funded by the Asian Development Bank (ADB) 12. The Haryana government has raised the upper age limit of entry into government service from 40 to 42 years. 13. The Union Cabinet has approved a proposal for leasing out 3.7 acres of land at Pragati Maidan to a private player for construction of a hotel. 14. The Union Cabinet has approved the proposal for introduction of Dam Safety Bill, 2018 in the Parliament. 15. The Union Cabinet has approved a proposal to withdraw the Nalanda University (Amendment) Bill, 2013 pending in the Rajya Sabha. The bill, introduced in the Parliament on August 26, 2013. 16. The Northern Railways will now monitor cleanliness of its trains using WhatsApp groups supervised by senior officials.Northern Railway zones HQ: New Delhi 17. The Tripura Chief Minister Biplab Kumar Deb has inagurated the GPS (Global Positioning System) and wireless-based 24x7 mobile policing service to curb crime, especially against women. 18. Vice President M Venkaiah Naidu laid the foundation stone for Septage Management System and Storm Water Drainage System for Itanagar City under AMRUT Scheme at Itanagar in Arunachal Pradesh. 19. The Union Government has decided to establish Indias first national police museum in Lutyens Delhi. 20. The Himachal government led by Chief Minister Jai Ram Thakur has received a financial assistance of Rs 84.13 crore from the Ministry of Home Affairs and the Ministry of Finance under the National Disaster Response Fund (NDRF). 21. Odisha government has signed an MoU with Hyderabad-based Badminton Foundation (PGBF) for the establishment of P Gopichand Badminton Academy in Odisha. 22. Indias first indigenous, long-range artillery gun “Dhanush” has passed its final test at Pokhran, paving the way for its induction into the Army. Dhanush is a 155mm x 45mm calibre artillery gun and is also called the “desi Bofors”. 23. The state government of West Bengal has decided to invest Rs 107 crore to check erosion at vulnerable areas along the banks of the Ganga and the Padma. The Padma is a major river in Bangladesh. It is the main distributary of the Ganges. 24. The eleventh edition of Geo-Intelligence Asia 2018 was held at Manekshaw Centre in New Delhi on June 4-5, 2018. 25. 13 Indian beaches will soon get the Blue Flag certification. These beaches of Odisha, Maharashtra and other coastal states will be the first in not just India, but in Asia, to get the Blue Flag certification.

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26. Maharashtra government has announced to provide financial grant of Rs 1,000 per quintal to those farmers whose tur and gram could not be purchased by the administration before the May 31 deadline. 27. The 2018 Asia-Pacific Regional Conference on Early Childhood Development (ECD) and Third Asia- Pacific Regional Policy Forum on Early Childhood Care and Education (ECCE) kicked off in Kathmandu. 28. FIFA lifted a suspension imposed on Guatemala Football Association 18 months ago over its failure to comply with anti-corruption rules. 29. The ICC included Nepal, Netherlands, Scotland and the UAE in their ODI rankings list apart from the 12 existing countries.The ICC release states that results of all the bilateral ODIs involving these new teams will henceforth be taken into account while calculating the rating points. 30. The two-day thematic seminar on Water and Sanitation was held in Pune, Maharashtra on May 31, 2018. 31. AIIBs 3rd Annual Meeting which is scheduled to be held in June 2018 in Mumbai. 32. The Minister of State for AYUSH (Independent Charge), Shri Shripad Yesso Naik inaugurated the 3rd National Health Editors Conference on Yoga at Morarji Desai National Institute of Yoga (MDNIY) in New Delhi on June 05, 2018. 33. NTPC Ltd has adopted the iconic Charminar in Hyderabad under the Swachh Iconic Places Projects of India as a part of a special drive under the Centres . 34. Denmarks Parliament on May 31, 2018 banned the wearing of face veils (burqa and niqab) in public places, a move that will criminalise Muslim women who choose to wear the niqab or burqa. 35. The state capital of Uttarakhand was the venue for this years national programme on the International Yoga Day on June 21 with Prime Minister Narendra Modi attending it. 36. Bharatiya Janata Party (BJP) President Amit Shah launched a massive Sampark se Samarthan (contact for support) personal outreach programme, to generate awareness about the Narendra Modi governments 4 years achievements so far. 37. Ireland has voted by a landslide to legalise abortion in a stunning outcome that marks a dramatic defeat for the Catholic churchs one- time domination of the Republic. 38. The six-day ASEAN India Film Festival began in New Delhi on May 26, 2018. The event was inaugurated by Union Information and Broadcasting Minister Col. Rajyavardhan Rathore. 39. Queen of Netherland, Maxima arrived in New Delhi as part of her four-day long visit to India. 40. Irans Foreign Minister Dr Mohammad Javad Zarif arrived at the Indira Gandhi International Airport to embark on his one-day visit to the country. 41. Expanding the reach in the Telecom sector, Patanjali king Baba Ramdev has joined hands with state-owned Bharat Sanchar Nigam Limited (BSNL) to launch Swadeshi Samriddhi SIM cards. 42. The Indian Navy commissioned IN LCU L54 – the fourth ship of Landing Craft Utility (LCU) MK-IV class at Port Blair. The third ship of the Landing Craft Utility (LCU) Mk IV project. 43. India and Cuba have signed two MoUs in the field of biotechnology, traditional medicine and homoeopathy. The agreements were inked following delegation-level talks between President Ram Nath Kovind and his Cuban counterpart Miguel Mario Díaz-Canel in Havana. 44. Nepali Prime Minister Khadga Prasad Sharma Oli is on his first visit to China after assuming the charge as Prime Minister. China will build a railway connecting the western region of Tibet with Nepal, one of several bilateral deals signed during Olis visit to Beijing. The link will connect the Tibetan city of Xigaze with Nepals capital Kathmandu. 45. Mongolia broke ground for the construction of countrys first oil refinery with the help of a USD 1 billion loan from India. Home Minister Rajnath Singh attended the groundbreaking ceremony for the construction of the refinery at Stantsiin Hooloi and described it as an important milestone in the bilateral ties. 46. International Widows Day is a global awareness day that takes place annually on 23rd June. 47. The government appointed Arjit Basu as Managing Director of the countrys largest lender (SBI). He will fill the position that fell vacant following the elevation of Rajnish Kumar as the chairman. 48. SKOCH Group has conferred the Best performing Social Sector Ministry award on the Ministry of Women and Child Development for the achievements in delivering the promises made and for its significant achievements and initiatives from the last 4 years. 49. Indias R Praggnanandhaa has become the countrys youngest and the worlds second youngest Grand Master at the age of 12 years, 10 months and 13 days after reaching the final round of the ongoing Grendine Open in Italy. 50. Prime Minister Narendra Modi laid the foundation stone of Paperless Vanijya Bhawan in New Delhi. Once ready, the new building will house Department of Commerce. The building will accommodate about 1000 officers and staff. 51. The Centre of Excellence in Maritime & Shipbuilding (CEMS), a well-funded start-up in skill development for maritime and shipbuilding sector, has announced setting up of 24 labs -6 in Mumbai and 18 in Vizag campus. 52. The Gujarat government announced wind-solar hybrid power policy - 2018, aiming to make optimum utilisation of the land and grid.

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53. Prime Minister Narendra Modi will inaugurate the 3rd Annual Meeting of the Asian Infrastructure Investment Bank (AIIB) in Mumbai. In the past, AIIB annual meetings have been held in Beijing, China, in 2016 and in Jeju, South Korea, in 2017. 54. President Ram Nath Kovind arrived in Cuba on the final leg of his three-nation tour to Greece, Suriname and Cuba. He is accompanied by a delegation including Minister of State for Steel Vishnu Deo Sai. Mr Kovind was received in Santiago by Vice President of Cuba, Ms Beatriz Johnson. 55. The Stockholm International Peace Research Institute (SIPRI) launches the findings of SIPRI Yearbook 2018, which assesses the current state of armaments, disarmament and international security. 56. Russian State Atomic Energy Corporation (Rosatom) had announced that its subsidiary Nikiret has signed an agreement with Indian engineering services firm Core Energy Systems Pvt Ltd for the promotion of its technical security equipment in India. 57. State Bank of Indias (SBI) Managing Director B Sriram was appointed as the IDBI Banks CEO and Managing Director for a temporary period of three months. 58. United States political commentator and Pulitzer Prize winner Charles Krauthammer passed away at the age of 68. The columnist died of cancer of the small intestine. 59. The Gujarat government launched a solar power scheme for farmers- Suryashakti Kisan Yojana (SKY) enabling them to generate electricity for their captive consumption as well as sell the surplus power to the grid and earn an extra buck. 60. Saudi Aramco and Abu Dhabi National Oil Company (ADNOC) have signed an MoU to jointly develop and build an integrated refinery and petrochemicals complex at Ratnagiri, Maharashtra. 61. Seychelles President Danny Faure is on his first bilateral visit to India. He held the talks with Prime Minister Narendra Modi and reviewed the wide-ranging cooperation between the two countries, including in the fields of defence and security. 62. The three-day annual Sindhu Darshan Festival celebrations on the bank of Indus River started in Ladakh region of Jammu and Kashmir. The Festival was organised by Sindhu Darshan Yatra Samiti and Ladakh Phandey Tsogspa, Leh. 63. This year marked the 22nd Sindhu Darshan festival and it was started by the former Deputy Prime Minister L K Advani in 1997. 64. The 3rd Annual Meeting of the Asian Infrastructure Investment Bank (AIIB) has begun in Mumbai. In the past, AIIB annual meetings have been held in Beijing, China, in 2016 and in Jeju, South Korea, in 2017. The theme for this years meeting is ”Mobilising Finance for Infrastructure: Innovation and Collaboration”. 65. At the Indian International Film Awards (IIFA), late star won Best Actress (posthumously) for MOM while Irrfan Khan was given the Best Actor Award for Hindi Medium. 66. Chief Minister Vasundhara Raje was conferred the Chief Minister of the Year award for her remarkable work in e-governance. The award was given at the 52nd Skoch Summit held in New Delhi. 67. The Federation of Indian Chambers of Commerce & Industry (FICCI) along with several industry members and senior government officials and academia, recently participated in X International IT Forum at Khanty-Mansiysk, Russia. 68. Prime Minister Narendra Modi has inaugurated the third annual meeting of the Asian Infrastructure Investment Bank (AIIB) at Mumbais National Centre for the Performing Arts. The theme for this years meeting is ”Mobilising finance for infrastructure: innovation and collaboration”. 69. Prime Minister Narendra Modi has inaugurated the third annual meeting of the Asian Infrastructure Investment Bank (AIIB) at Mumbais National Centre for the Performing Arts. The theme for this years meeting is ”Mobilising finance for infrastructure: innovation and collaboration”. 70. Power distribution company BYPL (BSES Yamuna Power Limited) has signed an MoU with Business Finland, a Finnish government agency, for collaborative activities in different areas, including energy efficiency and electric vehicles. 71. Ministry of Health and Family Welfare, signed an MoU with Indira Gandhi National Open University (IGNOU) to scale up the short term healthcare courses through its available robust platform. The signing ceremony was presided over by Shri J P Nadda, Union Minister of Health and Family Welfare. 72. Turkeys long-standing leader Recep Tayyip Erdogan has won a new five-year term after securing outright victory in the first round of a presidential poll. Mr Erdogan got nearly 53% with almost all votes counted. 73. The General Assembly of United Nations has decided to observe 26 June as the International Day against Drug Abuse and Illicit Trafficking as an expression of its determination to strengthen action and cooperation to achieve the goal of an international society free of drug abuse. 74. Pallavi Durua, who belongs to Odishas Koraput district, was crowned as the first Tribal Queen at the Adi Rani Kalinga Tribal Queen competition held at Utkal Mandap. 75. Kalki Koechlin was conferred with the French distinction of Knight of the Order of Arts and Letters (Chevalier dans lOrdre des Arts et des Lettres), for her contribution in enhancing Indo-French ties in cinema. ♦♦♦♦

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C) New York D) New Delhi 12. Name the country which has amended its law to give legal status to abortion and end the ban imposed on it? A) Ireland B) Greece C) Indonesia D) Jordan 13. Which bank has introduced the digital loans against mutual funds (LAMF) facility to enable its customers leverage their mutual fund portfolio to avail funds for any emergencies without stopping their regular investment plans? A) Yes Bank B) HDFC Bank C) C) Mumbai D) D) New Delhi 14. Alan Bean passed away recently. He 6. The 3rd National Health Editors was a veteran Conference on Yoga is scheduled to take 1. Which among the given flowers has been A) Astronaut place in which city? named after PM Modi by the B) Archaeologist A) Agra government of Singapore? C) Painter B) Dehradun A) Jasmine D) Author C) New Delhi B) Orchid 15. Which country has clinched the 2018 D) Srinagar C) Ginger Lily Uber Cup? 7. The Indian Government has organised D) Hibiscus A) China the 4 days long “Gaj Yatra” in which 2. Under whose chairmanship, a high level B) Thailand state? stakeholders workshop on the Taj C) South Korea A) Sikkim B) Mizoram Mahal was conducted to protect the D) Japan C) Assam D) Meghalaya Taj from environment pollution? 16. When is the World Thyroid Day 8. How many agreements have been signed A) Mahesh Sharma observed? between India and Indonesia during PM B) Alphons Kannanthanam A) May 26 B) May 27 Modis visit to the foreign nation C) Manoj Sinha C) May 25 D) May 24 recently? D) Jitendra Singh 17. Who has been re-appointed as the Prime A) 9 B) 11 3. PM Modi recently unveiled a plaque of Minister of Lebanon recently? C) 15 D) 6 Mahatma Gandhi at the immersion site A) Michel Aoun 9. Vikas Gowda, renowned sports of his ashes at the waterfront Clifford B) Saad Hariri personality of India, announced his pier which is located in______C) Nabih Berri retirement recently. He is associated A) Singapore D) Walid Raad with which sports? B) Indonesia 18. Lewis Myers Jr who died in the recent A) Discus Throw C) Nepal past was a B) Shooting D) Malaysia A) Physicist B) Scientist C) Archery 4. Which state has introduced “Sandbox” C) Lawyer D) Journalist D) Weightlifting to boost Fintech Innovation in the 19. The top Indian FMCG brand Patanjali 10. The 174th meeting of ESI Corporation state? has launched which messaging app, took place in which city? A) Andhra Pradesh giving a strong competition to widely A) Gurugram B) Maharashtra used Whatsapp. B) Mumbai C) Gujarat A) Kusumbha B) Kumbha C) New Delhi D) Karnataka C) Kimbho D) Kaumbhi D) Hyderabad 5. The 2 days Conference of Governors 20. What is the rank of India in Save the 11. The International Conference on TRIPS- and Lieutenant Governors has been Childrens “End of Childhood Index CBD Linkage is being organised in organised in which city? 2018”? which of the following cities? A) Kolkata A) 113 B) 121 A) Paris B) Geneva B) Hyderabad C) 103 D) 131

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21. Name the newly appointed Secretary of 28. President Ram Nath Kovind has 37. The International Day of United Nations the Ministry of Information & appointed Kummanam Rajasekharan Peacekeepers is observed on______Broadcasting? as the new governor of which state? A) May 30 B) May 29 A) Satyapal Singh A) Sikkim B) Assam C) May 31 D) May 28 B) Vijay Gokhale C) Manipur D) Mizoram 38. The Ministry of Women and Child and C) NK Sinha 29. Name the first north eastern state to be Development has signed an MoU with D) Amit Khare installed with a solar toilet recently. which Indian state for the management 22. Name the veteran Bollywood actor to A) Assam B) Manipur Home of Widows? become the face of Central Railways C) Sikkim D) Meghalaya A) Uttar Pradesh anti-trespassing campaign Ek Safar 30. Who among the listed has clinched the B) Kerala Rail Ke Saath. gold in womens 50m rifle prone at the C) Himachal Pradesh A) Vidya Balan Grand Prix held in Munich? D) Gujarat B) Amitabh Bachchan A) Tejaswini Sawant 39. Which country observed its 11th C) Akshay Kumar B) Anjum Moudgil Republic Day on May 29, 2018? D) Bhumi Pednekar C) Shreya Saksena A) Malaysia B) Bangladesh 23. Which among the following app has been D) Olivia Hofmann C) Sri Lanka D) Nepal launched by tech giant Google India in 31. The 2018 Football World Cup is being 40. The India Meteorological Department an initiative to provide all local hosted by which country? (IMD) has tied up with which telecom information regarding neighboring area A) France B) Germany unit to warn the people about extreme to the people? C) Russia D) South Africa weather condition in Delhi? A) Neighbourly 32. Netherlands Prime Minister Mark Rutte A) Vodafone B) Neighbourhood was on a two days official visit to India B) Reliance Communications C) Neighbour and signed the ISA treaty. This makes C) Airtel D) Neighbouring Netherlands ______signatory D) BSNL 24. Name the Indian state which in of the International Solar Alliance 41. Which among the following states has collaboration with UNICEF has (ISA). launched the Polythene Hatao, launched a campaign named Paree Pain A) 58th B) 64th Paryavaran Bachao campaign to spread Katha Tiye to raise awareness against C) 71st D) 49th awareness about harmful effects of child abuse. 33. Who has been sworn in as the new Prime polythene? A) Karnataka Minister of Barbados? A) Gujarat B) Tamil Nadu A) Sandra Mason B) Maharashtra C) Odisha B) Errol Barrow C) Himachal Pradesh D) Andhra Pradesh C) Owen Arthur D) Bihar 25. According to the recent data of the D) Mia Mottley 42. Who among the following cricket players Central Statistics Office, Indian 34. Which among the given is the first Latin has been named as the International economy registered a growth of what American nation to formally join North Cricketer of the Year 2018 at the CEAT percent in the fourth quarter of 2017- Atlantic Treaty Organization Cricket Ratings Awards? 18. (NATO)? A) Colin Munro A) 6.1% B) 7.1% A) Argentina B) Mexico B) Shikhar Dhawan C) 6.7% D) 7.7% C) Colombia D) Venezuela C) Chris Gayle 26. Name the financial organisation which 35. Which among the following cricket D) Virat Kohli has sanctioned $ 375 million loan to stadiums has been voted as the best 43. Central government has approved to set improve irrigation system in Madhya ground in IPL 2018? up a Brahmaputra Study Centre at Pradesh? A) which of the given Universities of A) International Monetary Fund B) M. Chinnaswamy Stadium Assam? (IMF) C) Holkar Cricket Stadium A) Assam University B) World Bank D) B) Gauhati University C) Asian Development Bank (ADB) 36. Geeta Kapoor who passed away C) Tezpur University D) Asian Infrastructure Investment recently was a veteran D) IIT Guwahati Bank (AIIB) A) Actor 44. The Government of India has recently 27. The 2018 ASEAN India Film Festival B) Journalist signed $21.7 million loan agreement has been organised in which city? C) Choreographer with which financial institution to A) New Delhi B) Mumbai D) Author enhance public financial management C) Pune D) Kolkata in Rajasthan?

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A)IMF Security Summit in the India and South C) Ameenah Gurib-Fakim B) European Investment Bank Asia category? D) Abdel Fattah al-Sisi C) World Bank A) Kotak Mahindra Bank 59. Indian power unit NTPC has adopted D) Organisation for Economic Co- B) HDFC Bank which of the given monuments under operation and Development C) State Bank of India the Swachh Iconic Places Projects of 45. Which Indian state has launched the D) Yes Bank India? Reuse of Treated Waste Water Policy 52. Who among the given is the only Asian A) Qutub Minar to reduce dependence on fresh water to win 2018 World Press Cartoon B) Taj Mahal sources? Awards in the best caricature category? C) Charminar A) Gujarat A) Antonio Jorge Gonçalves D) Gateway of India B) Himachal Pradesh B) Shankar Pamarthy 60. The National Mission for Clean Ganga C) Maharashtra C) Ramachandra Babu (NMCG) has tied up with which bank D) Madhya Pradesh D) Thomas Antony to organise a cleanliness drive at 46. Who among the following has been 53. How much amount has been sanctioned Yamunas Kalindi Kunj ghat in New appointed as the new Governor of by the Indian government for its newly Delhi? Mizoram? introduced scheme Seva Bhoj Yojana A) Yes Bank B) ICICI Bank A) Kodiyeri Balakrishnan for fiscal ending 2020? C) SBI D) HDFC Bank B) P K Krishnadas A) Rs 250 crore 61. The World Press Cartoon Awards is an C) Shobha Surendran B) Rs 325 crore international award presented by D) Kummanam Rajasekharan C) Rs 450 crore which of the following countries? 47. Which state has recently launched the D) Rs 525 crore A) Spain B) Portugal Prakritik Kheti Khushhaal Kisaan 54. Luojia-1 is a scientific experiment C) Sweden D) France Yojana to promote organic farming in satellite of which country? 62. IBSA is a tripartite group for the state? A) China international cooperation. Which A) Himachal Pradesh B) Japan country is not a part of this group? B) Rajasthan C) United States A) India B) Bangladesh C) Haryana D) India C) South Africa D) Brazil D) Madhya Pradesh 55. Name the newly appointed Prime 63. What is the capital of Barbados? 48. Which Indian Airport has achieved Minister of Italy? A) Bridgetown recognition as worlds first fully solar A) Giuseppe Conte B) Georgetown energy-powered airport by the United B) Roberto Fico C) Freetown Nations Environment Programme C) Sergio Mattarella D) Capetown (UNEP)? D) Matteo Salvini 64. Who is the Director-General of National A) Kempegowda International Airport 56. The Centre has set up Cauvery Water Informatics Centre (NIC)? B) Rajiv Gandhi International Airport Management Authority to address A) Shefali Dash C) Cochin International Airport water sharing dispute. How much B) Subodh Shukla D) Biju Patnaik International Airport amount has been sanctioned by the C) Shailesh Singh 49. World Football governing body FIFA Government for its initial operations? D) Neeta Verma has recently lifted ban on which among A) Rs 4 crore B) Rs 3 crore 65. The EPFO has cut the Provident Fund the given countries which was imposed C) Rs 1 crore D) Rs 2 crore (PF) deposit interest rate for 2017-18 in October 2016 over its failure to 57. An executive committee has been to 5 years low at ______comply with anti-corruption rules? constituted by the Union Government A) 8. 75 % B) 8.65 % A) Jordan B) Peru to spread Mahatma Gandhis legacy C) 8.55 % D) 8.75 % C) Paraguay D) Guatemala among the people at global level. Who 66. Which country is the global host for the 50. The Central Government has recently will head this committee? World Environment Day 2018? sanctioned the construction of how A) Ram Nath Kovind A) France B) Singapore many more houses under Pradhan B) Rajnath Singh C) Russia D) India Mantri Awas Yojana for the poor? C) Narendra Modi 67. Prime Minister Narendra Modi has A) 1 lakh B) 2 lakh D) M. Venkaiah Naidu dedicated to nation, Indias first smart C) 1.5 lakh D) 2.5 lakh 58. Name the Egyptian President who has and green highway, Eastern Peripheral 51. Which among the following banks has been re-elected for another 4 year term Expressway (EPE). What is the total won the Champion Security Award on the post? length of the expressway? 2018 at the 14th Visa Asia Pacific A) Mohamed Morsi A) 127 km B) 105 km B) Reuven Rivlin C) 135 km D) 148 km

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68. The government has introduced intra- A) Sangeeta Bahl 83. Name the bank which has launched first state e-way bill for two more states B) of its kind green deposit product named and five Union Territories (UTs) C) Green Future: Deposit? recently. The total number of states D) Premlata Agarwal A) Axis Bank B) ICICI Bank and UTs under the E-Way Bill system 76. Name the Queen of Netherlands who is C) Yes Bank D) HDFC Bank now has become______on 4 days long visit to India for bilateral 84. Which of the following teams won the A) 27 B) 17 talks with Indian delegates? 2018 Intercontinental Cup football C) 32 D) 29 A) Elexia B) Amalia tournament in Mumbai recently? 69. The government of Telangana has C) Araine D) Maxima A) Kenya introduced a new life insurance scheme 77. Indian top FMCG brand Patanjali has B) South Africa for the farmers under which their tied up with which network to launch C) New Zealand families would get an insurance of Rs its Swadeshi Samriddhi SIM cards? D) India ______lakh over the death of A) Airtel 85. The RBI has made changes in the Gold the farmer for what so ever reason. B) BSNL Monetisation Scheme (GMS) to make A) Rs 2 lakh B) Rs 4 lakh C) Reliance Communications it more attractive. The govt had C) Rs 3 lakh D) Rs 5 lakh D) Vodafone launched the GMS in the year 70. Who among the following has recently 78. Dr Mohammad Javad Zarif was on a A) 2013 B) 2014 launched an ad campaign focusing on day long visit to India recently. He is C) 2015 D) 2016 promoting the twin pit toilet the Foreign Minister of which 86. Name the app launched by the Indian technology in rural India under Swachh country? Railways to register passengers Bharat Mission (Grameen)? A) Iran grievances for quick redressal. A) Amitabh Bachchan B) Afghanistan A) Rail Suvidha B) Akshay Kumar C) Malaysia B) Rail Sahayta C) Aamir Khan D) Bangladesh C) Rail Madad D) Sushant Singh Rajput 79. Who has been given the additional charge D) Rail Seva 71. Uber Cup is related with which sports? as the Secretary of Defence Research 87. The World Bank has forecast a growth A) Badminton B) Tennis and Development Organisation of what percentage for fiscal 2019-20 C) Golf D) Hockey (DRDO) till new appointment? A) 7.6% B) 7.5% 72. What is the expected rate of growth of A) Subhash Ramrao Bhamre C) 7.4% D) 7.3% Indian economy as per Confederation B) Sanjeevanee Kutty 88. Lipulekh Pass is located in which state? of Indian Industry (CII) for the fiscal C) Ajay Kumar A) Jammu & Kashmir 2018-19? D) Sanjay Mitra B) Uttarakhand A) 7.5-7.9 percent 80. The foundation stone of 2400 MW C) Sikkim B) 7.3-7.5 percent Patratu Super Thermal Power Project D) Himachal Pradesh C) 7.5-7.7 percent has been laid down in which state by 89. Who among the following has been re- D) 7.3-7.7 percent PM Modi? appointed as the MD & CEO of Yes 73. Who among the following has been A) West ? appointed as the new Chief Financial B) Assam A) Ashok Chawla Officer (CFO) of the Reserve Bank of C) Jharkhand B) Aditya Puri India (RBI)? D) Chhattisgarh C) Shikha Sharma A) Rachita Gulati 81. Name the Indias first indigenous long- D) Rana Kapoor B) Sudha Balakrishnan range artillery gun which is ready for 90. Which among the given entities has C) Dhritidyuti Bose induction after successful testing in all unveiled Composite Water D) Indranil Sen Gupta weather conditions. Management Index for better 74. Clean Air India Initiative, to tackle air A) Arjun B) Dhanush management of water resources and the pollution in Indian cities, is a joint C) Rakshak D) Pinaka rising demand for water? initiative of Indian Government and the 82. Who is the Chief Minister of the A) Planning Commission Government of ______Arunachal Pradesh? B) NITI Aayog A) Germany B) Nepal A) Sarbananda Sonowal C) National Development Council C) Netherlands D) Vietnam B) Lal Thanhawla D) FICCI 75. Name the oldest women of India to create C) Pema Khandu 91. The Government of India has approved the record of conquering the Mount D) Tarun Gogoi MoU between India and Vietnam for Everest. joint issue of postage stamp depicting ancient architecture of both the nations.

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Which Indian site would feature on the A) New Delhi B) Mumbai A) Apple B) Google stamp? C) Kolkata D) Hyderabad C) Facebook D) Microsoft A) Sanchi Stupa 101. National Journalism Day is observed 111. Who has been sworn in as the new B) Sun Temple on which day every year Managing Director and Chief Executive C) Red Fort A) November 16 Officer (CEO) of ICICI Prudential Life D) Taj Mahal B) November 15 Insurance Company? 92. India and Peru has recently approved an C) November 17 A) Sandeep Bakhshi MoU for cooperation in the field of D) November 14 B) N.S. Kannan new and renewable energy.What is the 102. What is the FDI limit in in scheduled C) Puneet Nandaq currency of Peru? commercial airlines D) S. Subhedar A) Dong B) Dollar A) 100% B) 49% 112. The 7th OPEC International Seminar C) Won D) Sol C) 74% D) 26% was held in which country? 93. Who has been appointed as the 103. The upper limit for PPF account is A) Beijing, China Chairman of the Central Board of A) Rs 1.5 lac B) Rs 1 lac B) Vienna, Austria Indirect Taxes and Customs (CBIC)? C) Rs 2.5 lac D) Rs 2 lac C) Paris, france A) S Ramesh 104. When is the World Elder Abuse D) New York B) Jamuna Pd Singh Awareness Day observed? 113. Central Water Commission (CWC) has C) P Kishore Saxena A) June 17 B) June 16 tied up with which entity for effective D) Vanaja N Sarna C) June 15 D) June 14 flood management in India? 94. Where is the Secretariat of BIMSTEC 105. Which north eastern state has recently A) Google B) Facebook group located? launched GPS (Global Positioning C) Amazon D) Microsoft A) Naypyidaw System) and wireless based 24×7 114. The Conference on “International B) Bangkok “mobile policing” service to curb crime? Decade for Action: Water for C) Kathmandu A) Sikkim B) Manipur Sustainable Development, 2018-2028” D) Dhaka C) Tripura D) Meghalaya was held in which country? 95. The Securities and Exchange Board of 106. Recently US Scientists has unveiled A) Azerbaijan India (SEBI) was set up in which year? worlds most powerful and smartest B) Tajikistan A) 1992 B) 1982 scientific supercomputer named C) Kyrgyzstan C) 1994 D) 1986 A) Crown B) Apex D) Afghanistan 96. What is the capital of Macedonia? C) Summit D) Vertex 115. Which among the given entities has A) Skopje B) Belgrade 107. According to FDI Report 2018, which announced to provide training to 8000 C) Tirana D) Sofia among the following countries has journalists in India to guard them 97. The Goa Revolution Day was observed surpassed India to become the top against false news stories? on which of the following days? destination for greenfield FDI A) Paytm A) June 16 B) June 17 investment in 2017? B) Google India C) June 18 D) June 15 A) South Korea C) Facebook India 98. Which among the given has recently B) Japan D) Amazon India been included by WHO as a serious C) China 116. Which among the following companies disorder in its latest International D) United States has launched low code tool “App Classification of Diseases (ICD) list 108. Glonass-M navigation satellite has been Maker” for G Suite business to enable under the addictive disorders category? launched by which country? easy app building facility? A) Alcoholic disorder A) Japan B) China A) Microsoft B) Apple B) Surfing Disorder C) Russia D) United States C) Facebook D) Google C) Social Networking disorder 109. Who among the following has been 117. Name the Prime Minister of Georgia D) Gaming disorder ranked as the richest man in the world who resigned from the post amid 99. Bangladesh has appointed whom as the according to the 2018 Forbes Worlds protest over his economic policies. new Army Chief of Bangkadesh Billionaires List? A) Giorgi Kvirikashvili A) General Bilal Akbar A) Jeff Bezos B) Irakli Kobakhidze B) Rajendra Chhetri B) Bill Gates C) Bidzina Ivanishvili C) Qamar Javed Bajwa C) Sergey Brin D) Giorgi Margvelashvili D) Lt Gen Aziz D) Mark Zuckerberg 118. Which northeastern state has signed an 100. Headquarters of IDRBT(Institute for 110. Name the tech giant which has acquired MoU with Andhra Pradesh based Development and Research in Banking classroom learning video platform Smart Village Movement (SVM) to Technology) is located in Flipgrid?

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develop smart village initiative for its Kia Super League womens cricket 133. Name the first Indian Airport which is villages? tournament. soon to get an automated smart facial A) Assam A) recognition system? B) Meghalaya B) Smriti Mandhana A) Lal Bahadur Shastri International C) Arunachal Pradesh C) Airport D) Mizoram D) B) Indira Gandhi International 119. “Notes of a Dream: The Authorized 126. Simona Halep has won the womens Airport Biography of A.R. Rahman” is soon to single Grand Slam title at 122nd French C) Sardar Vallabhbhai Patel hit grounds in August 2018. Who is Open 2018. She belongs to which International Airport the author of the book? country D) Rajiv Gandhi International A) Krishna Trilok A) Norway B) Romanian Airport B) Sudha Murthy C) Italy D) Spain 134. Which cricket team became the first C) Basharat Peer 127. The NASA has extended its Juno side to beat India womens cricket team D) Thrity Umrigar Spacecraft Mission from 2018 to in an Asia Cup final 120. Who has been sworn in as the new A) December 2020 A) England B) New Zealand Prime Minister of Jordan? B) July 2021 C) Pakistan D) Bangladesh A) C) January 2022 135. Who has been appointed as the Vigilance B) John Kerry D) December 2021 Commissioner in the Central Vigilance C) Omar al-Razzaz 128. When is the World Brain Tumor Day Commission? D) Salameh Hammad observed? A) Sharad Kumar 121. Yuki Bhambri has recently been A) June 8 B) June 9 B) K. V. Chowdary excluded for Sports Ministrys Target C) June 7 D) June 6 C) Nittoor Srinivasa Rau Olympic Podium Scheme (TOPS). He 129. Name the iconic American D) Alok Verma is associated with which game? photojournalist, best known for 136. Which among the following states has A) Boxing capturing image during World War II recently transformed a landfill site into B) Badminton and Korean war, who passed away a museum of trees named as Urban C) Weightliftingq recently. forest – museum of trees? D) Tennis A) David Douglas Duncan A) Madhya Pradesh 122. The 2026 FIFA World Cup will take B) Michel Butor B) Gujarat place in which of the following C) Robert Capa C) Maharashtra countries? D) Pablo Picasso D) Haryana A) United States, Canada and Mexico 130. RBIs Deputy Governor, HR Khan has 137. Legendary Brazilian sports star Maria B) Canada, Spain and Mexico been appointed as the non-executive, Bueno passed away. He was associated C) Mexico, Canada and Germany part time Chairman of Bandhan Bank. with which sports? D) United States, Mexico and Spain Name the MD & CEO of the Bandhan A) Tennis B) Football 123. Karnataka bank has unveiled a Deposit Bank. C) Hockey D) Golf Only Card for its Current/Overdraft A) Mahesh Kumar Jain 138. With which among the following customers for hassle free cash deposit. B) Rajiv Lall countries, India has inked pacts for The maximum amount that can be C) Chandra Shekhar exporting non-basmati rice and sharing deposited using the card is D) Ashwani Kumar Brahmaputra water data during flood A) Rs 25 lakh B) Rs 20 lakh 131. Name the incumbent Central Vigilance season? C) Rs 10 lakh D) Rs 15 lakh Commissioner. A) Kyrgyzstan 124. Name the female American astronaut, A) K. V. Chowdary B) China holding the record of most spacewalks B) T M Bhasin C) Tajikistan and spending the longest time in space C) H R Khan D) Russia by US astronaut, who retired from the D) Nittoor Srinivasa Rau 139. Phumzile Mlambo-Ngcuka is the post recently. 132. The 2018 Asian Junior Athletics current head of A) Peggy Whitson Championships was the 18th edition A) UN-India Business Forum B) Eileen Collins of the International athletics B) UN Women C) Stephanie Wilson competition held in C) UNDP D) Barbara Morgan A) New Delhi, India D) WHO 125. Name the first Indian women cricketer B) Jifu, Japan 140. Renowned British Pakistani author who has been selected for Englands C) Beijing, China Kamila Shamsie has won the Womens D) Kathmandu, Nepal

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Prize for Fiction, 2018 for her seventh D) Northern Railways 157. Name the CEO of Karnataka Bank. novel titled 148. How much amount has been A) R. A. Sankara Narayanan A) Flights B) Kite contributed by the Government of B) Jai Kumar Garg C) Home Fire D) Less India to Nepal as final payment under C) Mahabaleshwara M S 141. The Defence Minister Nirmala Nepal-Bharat Maitri Irrigation Project? D) K Venkataraman Sitharaman inaugurated the first office A) 88.2 million Nepali Rupees 158. The Swajal scheme for clean water of leading defence PSU Bharat B) 99.2 million supply has been launched in how many Electronics Limited recently in C) 111.2 million aspirational districts? A) Hanoi, Vietnam D) 77.2 million A) 115 B) 119 B) Port Luis, Mauritius 149. India is set to host the first military C) 117 D) 111 C) Paramaribo, Suriname exercise of the BIMSTEC in 2018. The 159. Recently, the Vice President M D) Victoria, Seychelles exercise will take place in which place? Venkaiah Naidu laid the foundation 142. The Govt has announced to establish A) Jaipur B) New Delhi stone for Septage Management System Indias first national police museum in C) Hyderabad D) Pune and Storm Water Drainage System in which of the following cities? 150. The SURYA KIRAN-XIII military which of the following states? A) Mumbai B) Chennai exercise between India and Nepal A) Assam C) Bengaluru D) New Delhi culminated on June 12. The exercise B) Maharashtra 143. The Central Govt has approved raising was held in which place? C) Arunachal Pradesh of two women Battalions for the police A) Vairangte B) Pithoragarh D) Haryana of which of the following states to C) Ranikhet D) Belgaum 160. SoftBank Group Corp has announced enhance female representation? 151. Lovely Professional University is to invest about $100 billion in a solar A) Uttar Pradesh situated in power project in India. The Bank is B) Karnataka A) Pune B) Noida headquartered in which country? C) Jammu and Kashmir C) Jalandhar D) Ahmedabad A) Japan D) Maharashtra 152. Which Govt. has raised the upper age B) China 144. PM Narendra Modi dedicated the limit of entry into government service C) Saudi Arabia modernized and expanded Bhilai Steel from 40 to 42 years D) Malaysia Plant to the nation recently in A) Maharastra 161. Which country topped the 2018 Global A) Chhattisgarh B) Haryana Peace Index? B) Jharkhand C) Odisha A) Austria C) Uttarakhand D) Rajasthan B) Iceland D) Madhya Pradesh 153. The 10th meeting of the Global Alliance C) New Zealand 145. President Ram Nath Kovind will to Eliminate Lymphatic Filariasis D) Australia embark on a three-nation tour to (GAELF) was held in which city? 162. What is the revised housing loan limit Greece, Suriname and Cuba. The capital A) Chandigarh under the priority sector lending (PSL) city of Suriname is B) Gurugram for metropolitan centre as stated by A) Boa Vista C) New Delhi RBI recently? B) Paramaribo D) Ahmedabad A) Rs 30 lakh C) Copenhagen 154. Global Financial Stability Report B) Rs 35 lakh D) Tongo released by C) Rs 32 lakhs 146. The 44th G7 Summit was held recently A) IBRD B) ILO D) Rs 45 lakhs in Quebec in Canada. The 45th G7 C) IMF D) UNDP 163. RBI has recently granted approval to Summit will be held in mid-2019 in 155. Global Corruption Report (GCR) convert Urban Cooperative Banks Biarritz, Nouvelle-Aquitaine in released by (UCBs) into Small Finance Banks A) France B) Italy A) Transparency International (SFBs). The decision is based on the C) Japan D) Germany B) Sustainable Development recommendation of a committee headed 147. Which among the following zones of Solutions Network by______the Indian Railways has launched an C) UNFPA A) Harun R Khan initiative to monitor the cleanliness and D)UNODC B) R. Gandhi functionalities of train via WhatsApp 156. Varthur lake is located in which state? C) D.K. Mohanty groups? A) Arunachal Pradesh D) P.J. Nayak A) Central Railways B) Gujarat 164. Who among the following has been given B) Western Railways C) Maharashtra the additional charge as the governor C) Eastern Railways D) Karnataka of Tripura?

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A) Kummanam Rajasekharan C) Rishi Kapoor check riverbank soil erosion along B) Jagdish Mukhi D) Dharmendra Ganga and Padma? C) Keshari Nath Tripathi 173. Who has been named to be honored A) Rs 129 crore D) Ganeshi Lal with the Polly Umrigar Award for Best B) Rs 95 crore 165. Which among the following womens International Cricketer (2016-17 and C) Rs 107 crore cricket team has clinched the world 2017-18)? D) Rs 111 crore record of posting highest ever One-Day A) Virat Kohli 181. Who among the given has won the 2018 International (ODI) score of 490? B) Monaco Grand Prix? A) England B) Ireland C) Ravindra Jadeja A) Valtteri Bottas C) India D) New Zealand D) Shikhar Dhawan B) Daniel Ricciardo 166. Theng Tunnelwill connect capital city 174. With which country India has signed C) Lewis Hamilton Gangtok to an agreement for cooperation in the D) Sebastian Vettel A) Chungthang field of health sector for a period of 182. Tech giant Google has organised the B) Namchi three year till 2020? first ever Asia Pacific Region Demo C) Rangpo A) Norway B) Sweden Day in which country for Asian D) Gyalshing C) Germany D) Iceland startups? 167. Which Indian state has decided to scrap 175. Maulana Abul Kalam Azad Trophy is A) Nepal semester system in undergraduate a national sports award given tO B) India courses from this academic session? A) Sports Coaches C) China A) Haryana B) Olympic Medallists D) Malaysia B) Gujarat C) Universities 183. Russia has carried out “the worlds C) Madhya Pradesh D) Sports Broadcasting Channel longest” test of the S-500 Prometey D) Himachal Pradesh 176. The “Business First Portal” has been having striking capability of 481 kms. 168. When is the World Ocean Day unveiled by which state to promote The S-500 Prometey is a observed? ease of doing business? ______missile system. A) June 7 B) June 8 A) Punjab B) Gujarat A) Air-to-Air C) June 6 D) June 5 C) Haryana D) Madhya Pradesh B) Surface-to-Air 169. What is the rate of interest offered on 177. Renowned celebrity chef and TV C) Air-to-Surface revised Gold Monetisation Scheme anchor Anthony Bourdain died D) Surface-to-Surface (GMS) of 2015 on Medium Term recently. He hailed from which 184. The maiden Global Wind Summit 2018 Government Deposit (MTGD)? country? will take place in which country? A) 2.25% B) 2.00% A) Austrlia A) Spain C) 2.75% D) 2.50% B) United States B) Peru 170. Which state has declared itself as the C) United Kingdom C) Maldives Indias first largest state to achieve the D) Russia D) Germany status of Open Defecation Free (ODF) 178. The Defence Acquisition Council 185. In a first such initiative, Coca Cola state? (DAC) has sanctioned over Rs 5500 brand has unveiled its alcoholc drink A) Haryana crore for the procurement of how many base in which country to tap new B) Odisha High Power Radars for the Indian Air market? C) Andhra Pradesh Force under Buy (Indian) IDDM A) Japan D) Telangana category. B) United States 171. The United Nations Conference on A) 21 B) 9 C) India Trade and Development is located at C) 12 D) 17 D) China A) Vienna, Austria 179. The Government of India has 186. Chief Justice Nasir-ul-Mulk has been B) New York, Washington announced to establish a committee for named as the caretaker Prime Minister C) Geneva, Switzerland recommending on the formation of an of which country recently? D) Paris, France Asset Reconstruction Company. The A) Afghanistan 172. Name the veteran celebrity to be committee will be headed by B) Turkey conferred with the prestigious Lifetime A) Sunil Mehta C) Pakistan Achievement Award at the 2018 IIFA B) P S Jayakumar D) Iraq Awards? C) Rajnish Kumar 187. The National Securities Depository A) Rakesh Roshan D) G. Padmanabhan Limited (NSDL) is located B) Anupam Kher 180. How much amount has been approved in______by the West Bengal government to

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A) New Delhi 195. Which among the given banks has tied ANSWER KEYS B) Mumbai up with SIDBI to become its preferred C) Hyderabad financial institution to extend banking 1. B 2.A 3. A 4. B D) Bengaluru facilities to its SME cutomers? 5. D 6. C 7. D 8. C 188. Goa observed its Statehood Day on A) Kotak Mahindra Bank 9. A 10. C 11. B 12. A May 30. It achieved the status of an B) HDFC Bank 13. B 14. A 15. D 16. C independent state in which year? C) Axis Bank 17. B 18. C 19. C 20. A A) 1988 B) 1987 D) Yes Bank 21. D 22. B 23. A 24. C C) 1989 D) 1986 196. Name the winner of 2018 Pulitzer Prize 25. D 26. C 27. A 28. D 189. How much amount has been released for Music. 29. B 30. A 31. C 32. B by the Government of India to Nepal A) Kendrick Lamar 33. D 34. C 35. A 36. A under Postal Highway Projects for two B) Bob Dylan 37. B 38. A 39. D 40. D road packages of Birgunj-Thori Road? C) Duke Ellington 41. C 42. D 43. B 44. C A) Rs 33.30 crore D) Hank Williams 45. A 46. D 47. A 48. C B) Rs 33.20 crore 197. How much amount of loan agreement 49. D 50. C 51. B 52. D C) Rs 33.00 crore has been signed between India and the 53. B 54. A 55. A 56. D D) Rs 33.10 crore World Bank as additional financing for 57. C 58. D 59. C 60. A 190. Name the one day workshop organized the Pradhan Mantri Gram Sadak 61. B 62. B 63. A 64. D 65. C 66. D 67. C 68. A by the Ministry of Railways to enhance Yojana (PMGSY) Rural Roads Project? 69. D 70. B 71. A 72. D the speed of freight and passenger A) $ 700 million 73. B 74. C 75. A 76. D trains? B) $ 200 million 77. B 78. A 79. D 80. C A) Mission Tejaswi C) $ 500 million 81. B 82. D 83. C 84. D B) Mission Pragati D) $ 400 million 85. C 86. C 87. B 88. B C) Mission Raftaar 198. Name the former Singaporean diplomat 89. D 90. B 91. A 92. D D) Mission Gatimaan who has been conferred with Padma 93. A 94. D 95. A 96. A 191. Name the first Indian to receive the Shri award by Indian Prime Minister 97. C 98. D 99. D 100. D prestigious Linnean Medal of the Narendra Modi. 101. C 102. A 103. A 104. C Linnean Society of London? A) Kishore Mahbubani 105. C 106. C 107. D 108. C A) Kartar S Thind B) Tommy Koh 109. A 110. D 111. B 112. A B) Kattungal S Manilal C) Ong Keng Yong 113. A 114. B 115. B 116. D C) Arun Kumar Sharma D) Chan Heng Chee 117. A 118. C 119. A 120. C D) Kamaljit S. Bawa 199. Which among the following has 121. D 122. A 123. C 124. A 192. Who has been appointed as the Deputy launched a Digital Literacy Program for 125. B 126. B 127. B 128. A National Security Adviser of India women in partnership with National 129. A 130. C 131. A 132. B recently? Commission for Women to train 133. A 134. D 135. A 136. B A) Brajesh Mishra women population on safe use of 137. A 138. B 139. B 140. C B) Ajit Doval internet? 141. A 142. D 143. C 144. A C) Pankaj Saran A) Google 145. B 146. A 147. D 148. B D) J N Dixit B) Amazon 149. D 150. B 151. C 152. B 193. In an effort to spread Digital India C) Whatsapp 153. C 154. C 155. A 156. D Initiative at global level, PM Modi D) Facebook 157. C 158. A 159. C 160. A recently launched the international 200. According to the National Sports 161. B 162. B 163. B 164. C Rupay, Bhim and UPI in which of the University Ordinance, 2018, Indias 165. D 166. A 167. D 168. B following countries? first national sports university will be 169. A 170. C 171. C 172. B A) Nepal set up in which state? 173. A 174. A 175. C 176. A B) Malaysia A) Assam 177. B 178. C 179. A 180. C C) Indonesia B) Chandigarh 181. B 182. C 183. B 184. D D) Singapore C) Manipur 185. A 186. C 187. B 188. B 194. What is the theme of the 2018 World D) Delhi 189. D 190. C 191. D 192. C No Tobacco Day? 193. D 194. A 195. D 196. A A) Tobacco and Heart Disease 197. C 198. B 199. D 200.C B) Tobacco – a threat to development ♦♦♦♦ C) Get Ready for Plain Packaging D) Raise Taxes on Tobacco

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(b) The Iqta remained non-hereditary under the Sultanate (c) The assignee had to supply a contingent to the Sultan in time of need (d) The iotadar was responsible for maintaining law and order in his territory 13. Babar laid the foundation of Mughal empire in 1526 by defeating :- (a) Daulat Khan Lodi (b) Ibrahim Lodi (c) Rana Sanga (d) Alauddin Khilji 14. The plan of Sir Stafford Cripps envisaged that after the Second World War :- (a) India should be granted complete independence (b) India should be partitioned into 1. The phrase The light of Asia is applied (a) Swapnavasayadatta two before granting independence to _____ (b) Malavikagnimitra (c) India should be made a republic (a) Ashoka (c) Meghadoota with the condition that she will (b) Buddha (d) Ratnavali join the Common-wealth (c) Chandragupta Maurya 8. The first Indian leader to undergo (d) India should be given Dominion (d) imprisonment in 1882 was Status 2. Which one amongst the following is the (a) B.G. Tilak 15. The Swadeshi and Boycott were oldest Dynasty? (b) C Vijaraghavachari adopted as methods of struggle for the (a) Pallava Dynasty (c) Ashwani Kumar Datta first time during the :- (b) Chola Dynasty (d) Bipin Chandra Pal (a) Agitation against the partition of (c) Maurya Dynasty 9. During Ashokan rule who among the Bengal (d) Gupta Dynasty following officials were appointed to (b) Home rule movement 3. Which of the following is the oldest look after the welfare of the cattle and (c) Non-cooperation movement monument? pasture lands? (d) Non-cooperation movement (a) Qutab Minar (a) Lipikaras (b) Prativedakas 16. Which of the following battles helped (b) Ajanta Caves (c) Rajukas (d) Vachabhumikas Shershah to establish Suri Dynasty ? (c) Taj Mahal 10. The British rulers introduced a new (a) Battle of Kanauj 1540 (d) Khajuraho system of education in India chiefly (b) Battle of Chausa 1539 4. Who was the Akbars famous revenue because they wanted to: (c) Battle of Duhariya 1532 minister? (a) Provide a class of office workers (d) Battle of Chandewar 1193 (a) Humayun for company 17. When and where was the All-India Kisan (b) Tansen (b) Create an awareness of scientific Sabha formed? (c) Todarmal and technical developments (a) 1935-Bombay (d) Rana Pratap Singh (c) Promote the work of Christian (b) 1936- Lucknow 5. Which British Military officer defeated missionaries (c) 1938-Calcutta Tipu Sultan in India, Napoleon (d) Generate the capacity for self- (d) 1942- Kanpur Banoparte in Europe and eventually government 18. The Treaty of Bessein (1802) was signed became the Duke of Wellington? 11. The purpose of the Whitley Commission between :- (a) Arthur Wellesley was :- (a) The British and the Nizam (b) Robert Clive (a) To look upon the interests of the (b) The British and the Maratha (c) Warren Hastings white people in India Peshwa (d) Richard Wellesley (b) To report on the relations of (c) The British and Sikh 6. The epic, silappadikaram refers to the: Employees (d) The British and Nawab of Arcot (a) Story of rama (c) To enable political parties in India 19. Lucile was verse novel written by which (b) Jaina elements in the storyline to reach a consensus on the viceroy of India? (c) Culture of Sri Lankan Buddhist constitutional question (a) Lord Ripon (d) Cults of shakti worship (d) None of these (b) Lord Lytton 7. Which one of the following books of 12. Which of the following is not true of (c) Lord Mayo ancient India has the love story of the Iqta? (d) Sir John Lowrence son of the founder of Sunga dynasty? (a) The larger Iqtas carried 20. To which of the following Mughal administrative responsibilities emperors do the following words refer”

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…. Tumbled through life and tumbled (d) The court that is competent to (c) Carbon dating out of it” give directions and issue writs (d) Deuterium dating (a) Babur (b) Jahangir 27. Education is subject found in which list? 35. The element which is commonly used in (c) Humayun (d) Shah Jahan (a) Union List nuclear for producing electricity by 21. The most important All India Nationalist (b) State List nuclear fission is Organization before the congress was: (c) Concurrent List (a) Radium (b) Plutonium (a) The east india association (d) None of these (c) Uranium (d) Deuterium (b) The Bombay presidency 28. Which one of the following schedules of 36. Which one of the following regions on association the constitution of India contains the surface of Earth has Horse (c) The zamindari Sabha provisions regarding anti-defection? Latitudes? (d) Curzons plan to curb the growing (a) Second schedule (a) Equatorial low pressure belt popularity of the Indian National (b) Fifth schedule (b) Sub-tropical high pressure belt Congress (c) Eighth schedule (c) Sub-polar low pressure belt 22. As per Indian protocol who among the (d) Tenth schedule (d) Polar high pressure belt following ranks highest in order of 29. The power to grant pardons, reprieve or 37. Among the following climatic factors Precedence : remissions of punishment under Article which one has the least effect upon a (a) Deputy Prime Minister 72 is exercised by the president of terrestrial ecosystem? (b) Former president India: (a) Temperature variation (c) Governor of state within his state (a) On the advice of the prime (b) Wind (d) Speaker of minister (c) Conditions of sunlight 23. Which of the following statement is (b) On his own as head of the union (d) Availability of water incorrect: (c) On the advice of council of 38. Which of the following types of rainfall (a) The Governor can refuse to give ministers occurs at places having continental his assent to a bill (d) In consultation with the prime type of climate? (b) The Governor can reserve the bill minister who tenders his opinion (a) Convectional for the assent of the president on the advice of his cabinet (b) Cyclonic (c) The Governor may refuse to 30. Which of the following is in the (c) Relief invite a leader of the party in Concurrent list in the constitution of (d) Rainfall does not occur at these Vidhan Sabha who does not India ? places command the majority in the (a) Population control and family 39. “Medicine line” is another name of which house planning among the following circles of latitude? (d) The Governor may dismiss the (b) Public health and sanitation (a) 17th Parallel North speaker of the Vidhan Sabha and (c) Capitation taxes (b) 39th Parallel North chairman of Vidhan Parishad. (d) None of the above (c) 49th Parallel North 24. Which of the following is not an 31. On whom does the Constitution confer (d) 59th Parallel North essential qualification for appointment special responsibility for the 40. Solar eclipse occurs when :- as a governor? enforcement of Fundamental Rights? (a) Earth comes between sun and moon (a) He should be a citizen of India (a) Supreme court (b) Moon is at right angle to the earth (b) He should be a domicile of the (b) Parliament (c) Moon comes between sun and earth state to which he is being (c) President (d) Sun comes between moon and earth appointed (d) State Legislature 41. The cold and dense air blowing down (c) he must have completed the age 32. A bill becomes an act only when: the mountain slope during the night is of 35 years (a) it is passed by the Lok Sabha known as (d) he must not be a member of either (b) it is passed by both the houses of (a) Anabatic wind house of parliament Parliament (b) Khamsin 25. Article 23 deals with (c) it is passed by both the houses of (c) Katabatic wind (a) Protection of life and personal Parliament and assent to by the (d) Harmattan liberty president 42. Stalactites and stalagmites are features (b) Protection against arrest and (d) it is signed by the President of :- detention 33. Which of the following is responsible (a) Glacial topography (c) Right to elementary education for the formation of mirage in the (b) Volcanic topography (d) Prohibition of traffic in human desert? (c) Karst topography beings and forced labour. (a) Refraction (d) Fluvial topography 26. What is meant by Court of Record? (b) Polarisation 43. Heat received by earth from the Sun is (a) The court that preserves all its (c) Reflection known as :- records (d) Diffraction (a) Solar heat (b) The court that maintains records 34. What is the name of that system which (b) Solar radiation of all lower courts uses radioactivity to decide the period (c) Insolation (c) The court that can punish for its of materials of pre his tone period ? (d) Thermal radiation contempt (a) Radium dating (b) Uranium dating

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44. Natural Vegetation refers to 55. The radiant energy of the sun results (d) Reduction process (a) A plant community that has been from :- 65. The acid present in red ants is left undisturbed over a long time (a) Nuclear fusion (a) Acetic acid (b) Plant species which live and grow (b) Nuclear fission (b) Butyric acid together (c) Cosmic radiation (c) Caproicacid (c) A protected area created by using (d) Combustion (d) Formic acid contour bunding 56. In relational database row and column is 66. Ice floating in the water melts the (d) All of the above called as ______and ______volume of the water :- 45. Indias largest mica belt lies in the respectively. (a) Rises districts of: (a) Tuple; Attribute (b) Falls (a) Balghat and Chhindwara (b) Attribute; Tuple (c) Remains same (b) Udaipur, Ajmer and Alwar (c) Tuple; Domain (d) None of these (c) Salem and Dharmapuri (d) Attribute; Domain 67. Which of the following shows the (d) Hazaribagh, Gaya and Monghyr 57. To delete a particular column in a relation masses of the three elementary 46. While catching a ball a player pulls down the command used is: particles in decreasing order? his hands to lower the :- (a) DELETE (b) UPDATE (a) Mesons, Baryons, Leptons (a) Force (b) Momentum (c) DROP (d) ALTER (b) Leptons, Baryons, mesons (c) Impulse (d) Catching time 58. The full form of DDL is (c) Baryons, Mesons, Leptons 47. The snow on the mountains does NOT (a) Dynamic Data Language (d) Leptons, Mesons, Baryons melt all at once when it is heated by (b) Detailed Data Language 68. Among the various allotropes of carbon the sun because :- (c) Data Definition Language (a) Diamond is the hardest, lamp (a) It becomes very hard (d) Data Derivation Language black is the softest (b) It reflects most of the heat received 59. Which of the following virus overtake (b) Diamond is the hardest, Coke is (c) It has a low specific heat capacity computer system when it boots and the softest (d) It has a high latent heat of fusion destroy information? (c) Coke is the hardest, graphite is 48. The plastic material commonly used for (a) Trojan the softest making gear wheels is :- (b) System Infectors (d) Diamond is the hardest, graphite (a) Polyesters (b) Nylons (c)Boot infectors is the softest (c) Bakelite (d) Polystyrene (d) Stealth virus 69. Alum stops bleeding in minor cuts 49. What is colour of light related to? 60. An entity set that does not have because of :- (a) Amplitude (b) Frequency sufficient attributes to form a primary (a) Salvation (b) Emulsion (c) Quality (d) Velocity key is a (c) Dialysis (d) Coagulation 50. If milk is added with water then the (a) strong entity set 70. Which of the following keys is a field in surface tension between milk & water (b) weak entity set one table that is used as primary key is (c) Simple entity set field in another table? (a) increases (d) Primary entity set (a) Primary key (b) decreases 61. Which one of the following metals is (b) Foreign key (c) no change used to galvanise iron? (c) Candidate key (d) depends on quantity (a) Copper (b) Lead (d) Identity key 51. If the velocity time graph of a particle is (c) Zinc (d) Mercury 71. Pick the odd man out represented by y = mt + c then the 62. Water is not effective in extinguishing a (a) Printer (b) Optical Mouse particle is moving with :- fire caused by petrol because (c) Mouse (d) Keyboard (a) Constant speed (a) Die flame is too hot for water to 72. DSLAM stands for (b) Constant velocity cool it down (a) Data subscriber line access (c) Constant acceleration (b) Water and petrol react chemically multiplexer (d) Varying acceleration (c) Water and petrol are miscible with (b) Digital subscriber line access 52. What is the reason for twinkling of stars? each other multiplexer (a) Dispersion of light (d) Water and petrol are immiscible (c) Digital subscriber link access (b) Total internal reflection with each other and petrol which multiplexer (c) Atmospheric reflection forms the upper layer continues (d) Digital system line access (d) Atmospheric refraction to bum multiplexer 53. In a laser (say neon laser) all the atoms 63. For generation of biogas the materials 73. ______refers to a stateless protocol emit the light waves of :- commonly used are Predominantly used to serve pages on (a) Same frequency (a) Animal wastes internet (b) Same amplitude (b) Crop residues (a) HTTP (b) FTP (c) Same phase (c) Aquatic plants (c) HTML (d) SFTP (d) All the above (d) Forest residues. 74. Tongue worm” belongs to Phylem :- 54. Which of the following elements is non- 64. Setting of plaster of Paris involves (a) Arthropod radioactive ? (a) Dehydration process (b) Platyhelminthus (a) Uranium (b) Thorium (b) Hydration to form other hydrates (c) Nematohelminthus (c) Plutonium (d) Zirconium (c) Oxidation process (d) Hemichordata

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75. Tip Portion of Root is called :- (a) October 2 (b) October 1 (a) Minati Mohapatra (a) Taproot (b) Root cap (c) October 3 (d) October 4 (b) Soraj Jena (c) Root hair (d) None of these 87. What is the theme of the 2018 World (c) Kalpana Dash 76. Which of the following is called adams Radio Day (WRD)? (d) Chetana Sahu apple? (a) Radio and Sports 97. National Institute of Mental health and (a) Pharynx (b) Larynx (b) Radio and Peace Neuro Sciences is based at :- (c) Trachea (d) Lungs (c) Radio and World (a) Bijapur (b) Chennai 77. Which plants was used by Mendel in (d) Radio is You (c) Mumbai (d) Bengaluru his early experiment? 88. Which Indian personality has been 98. Which one of the following is nuclear- (a) Orange (b) Pea Plant conferred the Grand Collar of the State capable submarine-launched ballistic (c) Banana (d) Brinjal of Palestine? missile? 78. What is the main function of RNA? (a) Sushma Swaraj (a) Sagarika (b) Shourya (a) Lipid synthesis (b) Lata Mangeshkar (c) Prithvi (d) Nag (b) Carbohydrate synthesis (c) Narendra Modi 99. Which one of the following is another (c) Protein synthesis (d) Amitabh Bachchan name of RDX? (d) None of these 89. Who has won the 2018 Rotterdam Open (a) Cyanohydrin 79. Kidney can be taken from a dying person mens singles tennis tournament? (b) Dextran who has the (a) Grigor Dimitrov (c) Cyclohexane (a) Cessation of neurological function (b) David Goffin (d) Cyclonite only (c) Stan Wawrinka 100. Who amongst the following is the author (b) Cessation of cardiac function only (d) Roger Federer of the book Dreams form My father: (c) Cessation of respiratory function 90. Which film has won the best film award A Story of Race and Inheritance? only at the 71st British Academy of Film (a) Danny Boyle (d) Cessation if kidney function only and Television Arts (BAFTA) Awards? (b) Barack Obama 80. Lungs are located in the (a) The Shape of Water (c) John Evans Aatta Mills (a) Abdominal Cavity (b) Call Me by Your Name (d) Nelson Mandela (b) Pericardial Cavity (c) Three Billboards Outside Ebbing, (c) Peritoneal Cavity Missouri (d) Pleural Cavity (d) Darkest Hour ♦♦♦♦ 81. The saliva contains an enzyme called as 91. What is the Indias rank among emerging ______. economies at the WEFs Inclusive ANSWER KEYS (a) Pepsin (b) Trypsin Development Index (IDI-2018)? th th (c) Ptyalin (d) Erepsin (a) 47 (b) 26 1. b 2. c 3. b 4. c 82. Which of the following vegetable st (c) 71 (d) 62nd 5. d 6. b 7. b 8. c proteins is considered as good as an 92. Which Indian personality has been 9. d 10. a 11. b 12. b animal protein? chosen for the 2017 Von Hippel Award? 13. b 14. d 15. c 16. b (a) Soya bean protein (a) C.N.R. Rao 17. b 18. b 19. b 20. c (b) Corn protein (b) Anil Kakodkar 21. d 22. c 23. d 24. b (c) Wheat protein (c) M. S. Swaminathan 25. d 26. a 27. c 28. d (d) Bengal gram protein (d) G. Madhavan Nair 83. Biological catalysts in living organisms 93. Who has been honored with the 2018 29. d 30. a 31. a 32. c are known as Ibrahim Prize for Achievement in 33. b 34. c 35. c 36. b (a) Hormones (b) Vitamins African Leadership? 37. b 38. b 39. c 40. c (c) Steroids (d) Enzymes (a) Hifikepunye Pohamba 41. c 42. c 43. c 44. a 84. The Chairman of Mahanadi water (b) Pedro Pires 45. d 46. b 47. b 48. b dispute Tribunal is (c) Joaquim Chissano 49. b 50. c 51. b 52. d (a) A M Khanwilkar (d) Ellen Johnson Sirleaf 53. d 54. d 55. a 56. a (b) Ravi Ranjan 94. The Asian Development Bank 57. d 58. c 59. d 60. b (c) Indwermat Kaur Kochar headquarters in ______. 61. c 62. d 63. a 64. b (d) None of these (a) Geneva (b) Manila 65. d 66. c 67. c 68. d 85. Which Indian entrepreneur has won the (c) Beijing (d) New York 69. d 70. b 71. a 72. b prestigious International Business 95. The Gautala Autramghat Sanctuary 73. a 74. d 75. b 76. b Person of the Year award in London (GAS) is located in which state? 77. b 78. c 79. a 80. d for innovative IT solutions? (a) Odisha 81. c 82. a 83. d 84. a (a) Birendra Sasmal (b) Kerala 85. a 86. b 87. a 88. c (b) Uday Lanje (c) Andhra Pradesh 89. d 90. c 91. d 92. a (c) Madhira Srinivasu (d) Maharashtra 93. d 94. b 95. d 96. c (d) Ranjan Kumar 96. First Odia Mountaineer who reached 97. d 98. a 99. d 100. b 86. The 2017 International Day of Older worlds highest peak the Mount Persons is observed on which date? Everest?

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wireless communication for notebook users is called a COMPUTER (a) USB wireless network adapter (b) Wireless switch (c) Wireless hub (d) Router MCQs (e) None of these 13. Part number, part description, and number of parts ordered are examples of (a) control (b) output (c) processing (d) feedback (e) input 14. What is the significance of a faded (c) the control unit (dimmed) command in a pull-down 1. Which of the following could be legitimate (d) read only memory menu? Media access control address? (e) None of these (a) the command is not currently (a) 192.148.254.3 7. The ______settings are automatic accessible (b) 3FA2.4756.F9A3 and standard. (b) a dialog box appears if the (c) A5514 (a) default (b) CPU command is selected (d) C1.3A.77.5B (c) peripheral (d) user-friendly (c) a help window appears if the (e) None of these (e) defaulter command is selected 2. The term hypertext means 8. A person who uses his or her expertise (d) there are no equivalent keystrokes (a) Non-sequential writing to gain access to other peoples for the particular command. (b) Hypermedia computers to get information illegally (e) None of these (c) Blinking text or do damage is a ______15. Hackers (d) Text with heavy formatting (a) spammer (a) All have the same motive (e) None of these (b) hacker (b) Are people who maintain 3. If you wanted to locate the hardware (c) instand messenger computers address of a local device, which (d) all of these (c) May legally break into computers protocol would you use? (e) None of these as long as they do not do any (a) ARP (b) RARP 9. Which of the following is the default damage (c) ICMP (d) PING mask of a class A IP address? (d) Are people who are allergic to (e) PONG (a) 255.0.0.255 computers 4. In Oracle, which tablespace is the (b) 255.255.0.0 (e) Break into other peoples minimum required when creating anew (c) 255.0.0.0 computers database? (d) 255.255.255.0 16. What is usually used for displaying (a) Undo tablespace (e) None of these information at public places? (b) Temporary tablespace 10. A program either talk or music, that is (a) Monitors (c) system tablespace made available in digital format for (b) Overhead projections (d) Users tablespace automatic download over the internet (c) Monitors and overhead (e) None of these is called a projections 5. A collection of interrelated records is (a) wiki (b) broadcast (d) Touch screen kiosks called a (c) vodcast (d) blog (e) Loud speakers (a) management information system (e) podcast 17. Compatibility in regard to computers (b) spreadsheet 11. Which powerpoint view displays each refers to (c) database slide of the presentation as a thumbnail (a) The software doing the right job (d) text file and is useful for rearranging slides? for the user (e) None of these (a) slide sorter (b) It being versatile enough to handle 6. Which of the following is the storage (b) slide show the job area within the computer itself which (c) slide master (c) The software being able to run on holds data only temporarily as the (d) notes page the computer computer processes instructions? (e) slide design (d) Software running with other (a) the hard disk 12. A USB communication device that previously installed software (b) main memory supports data encryption for secure (e) None of these

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18. Cache and main memory will lose their (e) None of these (c) multiprocessing contents when the power is off. They 24. Which of the following is intended to be (d) real time processing are ______used in all applications runs on (e) Batch processing (a) dynamic (b) static mainframe computers? 34. Telephone is example of (c) volatile (d) non-volatile (a) LOGO (b) APL (a) circuit switching (e) faulty (c) PL/1 (d) OCCAM (b) packet switching 19. Every computer has a(n) ______; (e) None of these (c) message switching many also have ______. 25. The network layer protocol of internet (d) all of these (a) Operating system, a clinet system is (e) None of these (b) Operating system, instruction (a) ethernet 35. 0.0.0.0 IP address belong to ______sets (b) Internet protocol class (c) Application programs; an (c) Hyper text transfer protocol (a) A (b) B operating system (d) All of these (c) C (d) All of these (d) Application system; application (e) None of these (e) None of these programs 26. Symbolic logic was discovered by 36. NORTON is an ______(e) Operating system; application (a) George boole (a) Hardware (b) Antivirus programs (b) Herman Hoolerith (c) Network (d) Database 20. What is ISL used for ? (c) Von Neumann (e) None of these (a) To allow an Ethernet interface to (d) Basic Pascale 37. Boot is ______understand frame tags (e) None of these (a) Startup a computer (b) To make two Ethernet interfaces 27. The Quality of double word is (b) Loading s/w in computer appear as one (a) 16 bits (b) 32 bits (c) Managing memory of computer (c) To connect an Ethernet switch (c) 64 bits (d) 8 bits (d) all of these with a high speed core switch such (e) None of these (e) None of these

as ATM 28. The Octal number (651.124) 8 is 38. By redundancy in a file based system (d) To allow simultaneous routing and equivalent to we mean that

switching (a) (1A9.260) (b) 1B0.260)16 (a) unnecessary data is stores

(e) None of these (c) (1a8.023)16 (d) (1B0.289)16 (b) same data is duplicated in many 21. Which of the following describes (e) None of these files programs that can run independently, 29. On multiplication of (10.10) and ( 01.01) (c) data is unavailable travel from system to system, and we get (d) files have redundant data disrupt computer communications? (a) 101.0010 (b) 0010.101 (e) none of these (a) Trojans (b) Viruses (c) 011.0010 (d) 110.0011 39. PRIs consist of B channel and 1 D (c) Idlers (d) Droppers (e) None of these channel (e) Worms 30. Shell and kernel are features of (a) 24 (b) 30 22. You need to configure a switch from a (a) operating system (c) 64 (d) 12 r000000000000000emote subnet. (b) application software (e) None of these Which of the following must be (c) software 40. HTTP port number configured on the switch? (d) all of these (a) 80 (b) 123 (a) Console port (e) None of these (c) 25 (d) 125 (b) IP 31. The tracks on a disk which can be (e) None of these (c) Hostname accessed without repositioning the R/ (d) SNMP w heads is: ♦♦♦♦ (e) Default gateway (a) surface (b) cylinder 23. While searching a website, you have been (c) cluster (d) all of these unable to find information that was on (e) None of these ANSWER KEYS the site several months ago. What 32. Ethernet address is of ______bytes. 1. d 2. d 3. a 4. c might you do to attempt to locate that Normally written in hexadecimal 5. c 6. b 7. a 8. b information? notation. 9. c 10. e 11. a 12. a (a) Visit googles cached page to view (a) two (b) three 13. e 14. a 15. e 16. d the older copy (c) four (d) five 17. c 18. c 19. e 20. a (b) Forget about it, as there is no way (e) six 21. e 22. b 23. a 24. c to find this information 33. Remote computer services involve the 25. b 26. a 27. b 28. a (c) Visit a partner site of the use of time sharing and ______29. c 30. a 31. b 32. e organisation to see if it is there. (a) interactive processing 33. e 34. a 35. a 36. b (d) Use the wayback machine. (b) relating processing 37. a 38. b 39. b 40. a

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14. How much amount has been allocated for MGNREGA scheme under the union budget 2018-19? a) Rs 40,000 crore b) Rs 48,000 crore c) Rs 41,000 crore d) Rs 36,000 crore e) Rs 55,000 crore 15. Headquarter of Indian bank is situated in a) Hyderbad b) Delhi c) Mumbai d) Chennai e) Kolkata 16. What is the time limit for an asset or 7. There are how many digits in MICR loan to be declared as an NPA ( Non- 1. FDI of what percentage is allowed for a) 9 b) 8 Performing Asset ) ? payment banks. c) 11 d) 13 a) 90 Days b) 45 Days a) 66% b) 25% e) 7 c) 60 Days d) 180 Days c) 74% d) 52% 8. According to RBI norms, what is e) None of these e) 71% minimum capital required for foriegn 17. What is the minimum amount required 2. State Bank of India (SBI) reported a banks to open subsidaries in India? to open a fixed deposit (FD) ? second heighest loss of over how many a) Rs 100 Crores a) Rs. 5000 b) Rs. 1000 corer in the fourth quarter of FY18. b) Rs 500 Crores c) Rs. 3000 d) Rs. 500 a) Rs 13,417 crore c) Rs 1000 Crores e) None of these b) Rs 6999 crore d) Rs 50 Crores 18. Who is the appellate authority in Banking c) Rs 60,000 crore e) None of these Ombusdsman ? d) Rs 7,718 crore 9. Limit for FDI in multibrand is a) CAG e) None of these a) 66% b) 25% b) Finance Minister 3. Minimum Maturity period for c) 74% d) 52% c) Governor of RBI commercial paper? e) 51% d) Deputy Governor of RBI a) 7 days b) 12 days 10. Economic Outlook Report is published e) None of these c) 18 days d) 84 days by which of the following 19. How much amount RBI allows in Tap e) 212 days organisations? and pay transactions without PIN ? 4. Which of the following is a USSD based a) World Bank b) IMF a) Rs. 5000 b) Rs. 1000 mobile banking service from NPCI that c) RBI d) WEF c) Rs. 3000 d) Rs. 500 brings together all the Banks and e) UNDP e) Rs. 2000 Telecom Service Providers?. 11. As per IMF, what is Indias GDP 20. What is the worldwide financial a)WAP b)QSAM forecast for 2018-19 messaging network which exchanges c)NUUP d)Both (a) and (b) a) 7.2 % b) 7.1 % between banks and financial e)Both (b) and (a) c) 7.3 % d) 7.4 % institutions is known as ? 5. In NUUP, a customer can access banking e) 7.5 % a) RTGS b) SFMS services by just pressing ______12. Headquarters of IDRBT is located in? c) IMS d) Delta - 1 from his/her mobile phones. a) Hyderbad b) Delhi e) Rs. 2000 a) *999# b) #*99# c) Mumbai d) Noida ♦♦♦♦ c) *99# d) 1*99# e) Kolkata e) None of the Above 13. What is the minimum capital limit for 6. What are the services available under Asset Reconstruction companies? ANSWER KEYS IMPS? a) Rs 100 Crores 1. c 2. d 3. a 4. c a) Funds Transfer and Remittances b) Rs 500 Crores 5. c 6. e 7. a 8. b b) Merchant Payments c) Rs 1000 Crores 9. e 10. b 11. d 12. a c) NUUP d) Rs 50 Crores 13. a 14. e 15. d 16. a d) Both (A) and (B) e) Rs 600 Crores 17. b 18. d 19. e 20. b e) All of the Above

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GENERAL AWARENESS 5. Which of the following is not a part of (d) It means Demand and Time revenue receipts of the government? Deposits are assets for both banks 1. A derivative is a contract/agreement (a) Income earned from interest on and customers between two or more parties, whose loans given by the government (e) None of these value depends on or associated with (b) Revenue collected from 10. Bharatiya Reserve Bank Note Mudran one or more underlying assets. Which disinvestment of PSUs Private Limited (BRBNMPL) was of the following can be an underlying (c) Fees and fines collected by the established by Reserve Bank of India asset? government like license fee, (RBI) as its wholly owned subsidiary (a) Shares and bonds passport fee etc. on 3rd February 1995. BRBNMPL (b) Commodities (d) Profit from PSUs manages 2 Presses one at Mysore and (c) Currencies (e) Direct and Indirect taxes the other in ______. (d) All of the above 6. Which of the following Organization (a) Bengaluru (e) None of the above publishes the list of Global (b) Salboni 2. What is the advantage and benefit of Systemically Important banks (G- (c) Madurai Core Banking Solutions in banking SIBs)? (d) Kochi sector? (a) International Monetary Fund (e) Durgapur (a) To make enquiries about the (b) World Bank 11. Which of the following is not considered balance, debit or credit entries in (c) Basel Committee as an infrastructural sector of the the account (d) World Economic Forum economy? (b) To obtain cash payment out of (e) Asian Development Bank (a) Electricity (b) Textile Sector his account by tendering a cheque 7. Which one of the following is an item of (c) Fertilizers (d) Cement (c) To deposit a cheque for credit into current account of the balance of (e) Finished Steels account payments? 12. An account is said to be out of orderIf (d) To transfer funds from one (a) Foreign Direct Investment ______. account to another account (b) Foreign Institutional Investor (a) The outstanding balance is less (e) All of the above (c) External Commercial Borrowings than the sanctioned limit/drawing 3. ATMs set up, owned and operated by (d) Foreign Grants power and no credits non-banks are called White Label (e) Non-Resident Indian Deposits continuously for 30 days ATMs. Non-bank ATM operators are 8. Mobile Money Identifier (MMID) is a (b) The outstanding balance is less authorized under ______by ______digit number of a bank than the sanctioned limit/drawing Reserve Bank of India. customer, issued by banks for effecting power and no credits (a) Payment & Settlement Systems financial transactions through the users continuously for 60 days Act, 2007 mobile phone. (c) The outstanding balance is less (b) Banking Regulation Act, 1949 (a) 11 (b) 10 than the sanctioned limit/drawing (c) Negotiable Instruments Act, 1881 (c) 9 (d) 8 power and no credits (d) Companies Act, 2013 (e) 7 continuously for 90 days (e) None of these 9. What is the significance of the term (d) The outstanding balance is less 4. When a bank finds it difficult to repay Liabilities in NDTL? than the sanctioned limit/drawing the short term deposits on maturity to (a) It means Demand and Time power and no credits the depositors because its funds are Deposits are assets for customers, continuously for one year sealed in long term loans or investment, but liabilities for banks (e) The outstanding balance is less then the risk arising from such a (b) It means Demand and Time than the sanctioned limit/drawing scenario is termed as? Deposits are assets for banks, but power and no credits (a) Operational Risk liabilities for customers continuously for two years (b) Market Risk (c) It means Demand and Time 13. Floating Exchange Rate refers to (c) Liquidity Risk Deposits are liabilities for both ______. (d) Interest Rate Risk banks and customers (a) The ability of exchange rates to (e) Credit Risk even out when displaced by

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shocks to the foreign Exchange (c) Fino Payments Bank failing to sell all the debt it had offered Market (d) India Payments Bank to bidders. (b) New issues of foreign Exchange (e) None of these (a) Rs 25,000 Cr offered on the market 19. The Finance Intelligence Unit has (b) Rs 30,000 Cr (c) An excess demand for a nations released the list of high-risked Non- (c) Rs 20,000 Cr currency that causes its Banking Financial Companies. The (d) Rs 15,000 Cr devaluation Finance Intelligence Unit comes under (e) Rs 10,000 Cr (d) An excess supply of a nations which of the following Ministries/ 25. India and which country did sign currency that causes its Bodies? Memorandum of Understanding on appreciation (a) Prime Minister Office Sustainable Urban Development (e) An exchange rate determined by (b) Department of Industrial Policy programme and Smart Cities? the demand for and supply of a and Promotion (a) France (b) Japan nations currency (c) Ministry of Commerce (c) Canada (d) Germany 14. If the cost of raw materials increases, (d) Ministry of Finance (e) None of these then the cost of final product also (e) None of these 26. According to the 2018 Global Economics increases. If this situation leads to 20. The Indian economy grew by what Prospect release, Indias economy is inflation, then it will be referred to as percent in the fourth quarter of 2017- projected to grow at _____ percent in ______. 18, according to the data released by 2018 and ______percent for the next (a) Cost Push Inflation Central Statistics Office? two years. (b) Pricing Power Inflation (a) 7.2% (b) 7.3% (a) 7.3 and 7.5 (c) Demand Pull Inflation (c) 7.5% (d) 7.6% (b) 7.2 and 7.5 (d) Sectoral Inflation (e) 7.7% (c) 7.5 and 7.6 15. The system of banking in which a bank 21. How much amount has been allocated (d) 7.4 and 7.2 places its funds under 100 percent risk- to the Medium, Small and Micro (e) None of the above free assets with maturity matching for Enterprises (MSMEs) in the Union 27. Which bank has launched 2018 Financial its liabilities is known as Budget 2018-19? Literacy Week (FLW) across the ______. (a) Rs 3650 Cr country with Customer Protection as (a) Secure Banking (b) Rs 3794 Cr its main theme? (b) Safe Banking (c) Rs 3526 Cr (a) (c) Universal Banking (d) Rs 3412 Cr (b) Bank of India (d) Narrow Banking (e) Rs 3859 Cr (c) Corporation Bank (e) Limited Banking 22. Which of the following bank has signed (d) ICICI Bank 16. The Union Cabinet has recently an agreement with National e- (e) Reserve Bank of India approved to increase the Investment Governance Services Limited for 28. The provisional figures of Direct Tax Limit for Senior Citizens from Rs. 7.5 utilizing its Information Utility collections up to December 2017 show lakh to ______under Pradhan Services envisaged under the that net collections are at Rs. 6.56 lakh Mantri Vaya VandanYojana (PMVVY). Insolvency and Bankruptcy Code, crore which is ______higher (a) Rs 15 Lakh 2016? than the net collections for the (b) Rs 13 Lakh (a) State Bank of India corresponding period of last year. (c) Rs 12 Lakh (b) Bank of Baroda (a) 17.2% (b) 18.2% (d) Rs 10 Lakh (c) Punjab National Bank (c) 19.4% (d) 17.5% (e) Rs 14 Lakh (d) ICICI Bank (e) 16.3% 17. Name the Indian oil company that has (e) None of these 29. Name the country in which the Prime placed orders for another 400-km of 23. Flipkarts payments arm PhonePe has Minister Narendra Modi launched three pipeline of the ambitious Pradhan partnered mobile wallet company Indian digital payment systems - Mantri Urja Ganga natural gas pipeline ______to allow the latters RuPay, BHIM app and UPI by SBI at project that will take the fuel to eastern customers pay for transactions at the Business, Innovation and India. PhonePes partner merchants. Community Event. (a) ONGC (a) FreeCharge (a) Malaysia (b) SAIL India (b) Paypal (b) Indonesia (c) GAIL India (c) Oxigen (c) Singapore (d) IOCL (d) MobiKwik (d) Oman (e) None of these (e) None of these (e) Switzerland 18. Anubrata Biswas has recently been 24. The Reserve Bank of India (RBI) has 30. Which bank has announced that it will appointed as Managing Director and recently announced that it would buy provide a USD 500 million credit CEO of ______. ______of government bonds via facility to ECOWAS to fund various (a) Open Market Operation (OMO), after development projects in western-south (b) Airtel Payments Bank Africa?

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(a) SIDBI (e) Committee on Human Resource 41. The worlds biggest cleanliness survey (b) SBI Development Swachh Sarvekshan Survey 2018 was (c) Axis Bank 36. The Supreme Court stated that playing launched in India by PM Narendra (d) EXIM Bank the national anthem before screening Modi. Name the city that had emerged (e) HDFC Bank movies in cinema halls is not as the cleanest city in the survey of 31. The 2018 Union budget of India was the mandatory. The decisive bench was 2017. Annual Financial Statement (AFS), headed by ______. (a) Bhubaneswar demand for grants, appropriation bill (a) DY Chandrachud (b) Bengaluru and finance bill of India for the financial (b) Abinav Shrivastav (c) Vadodara year 2018-19. What is the total (c) Dipak Mishra (d) Gandhinagar budgeted expenditure for 2018-19? (d) Anupam Khasa (e) Indore (a) Rs 21.41 Lakh Cr (e) Virender Sahu 42. The Union Government has announced (b) Rs 24.42 Lakh Cr 37. Which of the following adopted the to launch Rs 1.4 Crore KUSUM (c) Rs 22.22 Lakh Cr historical monument Charminar in scheme. What is the objective behind (d) Rs 22.24 Lakh Cr Hyderabad under the Swachh Iconic KUSUM scheme? (e) Rs 24.22 Lakh Cr Places Projects of India? (a) Implementing educational 32. Name the bank that has recently (a) Bharat Heavy Electricals Limited schemes for girls announced plans to introduce the first (BHEL) (b) Expediting resolution of domestic battery-powered, interactive payment (b) Coal India Limited violence cases cards to the Indian market in 2018. (c) Indian Oil Corporation Limited (c) Promoting solar pumps for saving (a) IndusInd Bank (IOCL) electricity (b) Kotak Mahindra Bank (d) National Thermal Power (d) Distributing less electricity (c) Karur Vyasya Bank Corporation Limited (NTPC) consuming motors to farmers (d) (e) Oil & Natural Gas Corporation (e) Including agriculture into the (e) Indian Bank Limited (ONGC) academic curriculum 33. The Union Water Resource Ministry 38. The government of India has recently 43. Name the minister of State for allotted Rs. 6000 crore to Atul Bhujal launched a Pilot Scheme for Parliamentary Affairs and Statistics & Yojana. The main objective of Atul procurement of aggregate power of Programme Implementation who has Bhujal Yojana is _____. ______on the competitive basis recently conferred FICCI Smart (a) To clean up the upstream part of for three years under medium term Policing Awards 2018 to police officials river Ganga from commissioned power plants of the central armed police force and (b) To tackle the flooding problems without power purchase agreements. states police in New Delhi. of Brahmaputra in Assam (a) 2700 MW (a) Ramvilas Paswan (c) To tackle the countrys depleting (b) 2500 MW (b) Vijay Goel groundwater level (c) 3000 MW (c) Jagat Prakash Nadda (d) To control the contamination of (d) 2400 MW (d) Anant Geete groundwater (e) None of these (e) Mukhtar Abbas Naqvi (e) None of these 39. The bilateral trade between India and 44. International Labour Day, also known 34. The Union Ministry of Culture China through which of the following as International Workers Day, Labour introduced a new scheme called border has resumed as per the Day and May Day is celebrated ______to reimburse the announcement in this regard made by globally on 1st May every year to central share of CGST and IGST on the General Secretary of the Indo-China promote and encourage the items for food/prasad/langar/bhandara Border Traders Welfare Association, International Labour Associations. offered free of cost by charitable Tenzing Tsepel recently. What is theme of 2018 International religious institutions. (a) Nelang Valley Border Labour Day? (a) Jan Bhoj Yojana (b) Nathu La Border (a) Uniting Workers for Social and (b) Jan Aahar Yojana (c) Chumar Border Economic Advancement (c) Lok Anaz Ahar Yojana (d) Doklam Border (b) Celebrating the International (d) Seva Aahar Yojana (e) Trans Karakoram Tract Labour Movement (e) Seva Bhoj Yojna 40. According to a report in Investors (c) Lets value work by providing the 35. Which among the following Business Daily which of the following jobless with start-up capital Parliamentary Standing Committee has companies has recently become most support been named for the Sansad Ratna? valuable firm globally with market cap (d) Promote employment by (a) Committee on Information of $924 billion? supporting prospective Technology (a) Apple (b) Amazon entrepreneurs (b) Committee on Defence (c) Microsoft (d) Google (e) None of these (c) Committee on Agriculture (e) None of these 45. P Shri Nivetha was recently in news. (d) Committee on Finance She is associated with which sports?

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(a) Badminton 51. The CTBT is a multilateral treaty A. Although consolidation….. (b) Boxing adopted by the UN General Assembly B. Whether the banking….. (c) Table Tennis in 1996, that bans all nuclear C. Barely did the government….. (d) Wrestling explosions, by everyone, everywhere: (a) A, B and C (e) Shooting on the Earths surface, in the (b) A and C 46. The Varuna Naval Exercise 2018 atmosphere, underwater and (c) Only B between India and ______was underground. It makes it very difficult (d) A and B held recently in Reunion Island in for countries to develop nuclear bombs (e) None of the above Indian Ocean Region. for the first time, or for countries that 55. The DOT autonomous field implement (a) Russia (b) Japan already have them, to make more platform eliminates the need for the (c) Germany (d) Sri Lanka powerful bombs. hefty drawing power of a four-wheel- (e) France A. Developing nuclear bombs….. drive tractor. The DOT autonomous 47. Kummanam Rajasekharan has recently B. Adopted by the….. field implement platform eliminates been appointed as Governor of C. CTBT has banned….. axles, wheels and hitches on most field ______. (a) Both A & C implements by essentially turning them (a) West Bengal (b) Only C into self-propelled units. (b) Assam (c) Only B A. Considering the….. (c) Mizoram (d) All A, B & C B. Not only does the…..but it also.... (d) Jharkhand (e) Both B & C C. Along with…..also... (e) None of these 52. Reserve Banks call for caution to people (a) Only A (b) A and B 48. Who recently released two books - A against the use of virtual currencies. A (c) Only B (d) B and C Treatise on Cleanliness and Waste domestic Bitcoin exchange today said (e) All A, B & C Management, an Introductionauthored it is adding over 2,500 users a day and by Shri Rajat Bhargava? has reached five lakh downloads. Direction (56-60): In the following (a) M. Venkaiah Naidu A. In spite of Reserve Banks….. question, a pair of sentences is given (b) Ramnath Kovind B. Since the Reserve Banks….. followed by three ways in which the two (c) Nardendra Modi C. Despite the Reserve Banks….. sentences could be combined. Select (d) Arun Jaitley (a) Both A & C which of the given choice(s) is/are (e) Sumitra Mahajan (b) Only C correct. 49. The first-ever Pelican Bird Festival (c) Only B 56. I. The Delhi International Airport 2018 has been held at Atapaka Bird (d) All A, B & C (P) Ltd (DIAL) started a three- Sanctuary. The sanctuary is located in (e) Both B & C day road safety campaign from ______. 53. DCCBs, so far out of the currency swap, Tuesday. (a) Telengana have implemented the core banking II. It would ensure strict adherence (b) Assam system (CBS). They have a long way to traffic rules and also organize (c) Mizoram to go when it comes to offering digital health awareness sessions. (d) Kerala services such as Internet or mobile (A) The Delhi International (e) Andhra Pradesh banking. Airport...... , during which it 50. What is the tagline of the private bank A. Considering that…. would...... Development Credit Bank? B. As soon as DCCBs…. (B) In spite of the Delhi International (a) We make you feel richer C. Although DCCBs…. Airport...... (b) Support all the way (a) Only A (b) Only B (C) The Delhi International (c) Lets make money simple (c) B & C (d) Only C Airport...... , however it (d) We value you (e) None of the above would...... (e) Banking with personal touch Direction (54-55): Select the phrase/ (a) Only (A) ENGLISH LANGUAGE connector from the given three options (b) Only (B) which can be used to form a single (c) (A) and (B) Direction (51-53): In the question, there sentence from the two sentences given (d) Only (C) are two statements which can be below, implying the same meaning as (e) None of the above combined into a single statement in a expressed in the statement sentences. 57. I. A teacher of English Suryakanta number of different ways without Behera said that skill-related changing their meaning. Below them 54. The government is likely to revisit the education should be linked to are given three probable starters for the nearly two-decade-old Narasimham proper graduation courses. combined sentence. Decide upon which Committees recommendation for a II. Students could gain confidence and is/are correct, if any, and answer the three-tier banking system. The find avenues for employment. question. government is likely to take the (A) A teacher of English Suryakanta consolidation approach while Behera ...... , so considering capitalizing of banks. that......

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(B) A teacher of English Suryakanta ordered ban on the conduct o f (e) It was suspended with impunity Behera...... , as...... the annual ritual. in 2009, for several years, during (C) Even as A teacher of English II. The show of solidarity has been which the fiscal deficit went out Suryakanta Behera...... , peaceful, in sharp contrast to the of control. despite...... aggression shown by some 63. (a) Additionally, it is roughly ball- (a) (A) and (B) enthusiasts on social media in shaped and its shape is (b) (A) and (C) targeting certain celebrities for symmetrical. (c) Only (C) their earlier support to PETA (b) The prospect of memorizing a list (d) Only (B) (People for the Ethical Treatment of 110 planets in elementary (e) All of the above of Animals). school would be daunting in 58. I. In the wake of the Centre (A) The show of solidarity...... , practice. notifying a graded response plan even as..... (c) In other words, a planet cannot to counter air pollution, Delhi (B) Tens of thousands...... , however, closely resemble a star. Transport Minister Satyendar the show ...... (d) It also has sufficient self- Jain on Tuesday said that the odd- (C) Tens of thousands...., gravitation to assume a spheroidal even scheme would be and...... shape. implemented within days. (a) Only (A) (e) A planet is a sub-stellar mass body II. Air pollution touched emergency (b) (A) and (C) that has never undergone nuclear levels in the Capital and may also, (c) Only (C) fusion. in a first, have two-wheelers under (d) (A), (B) and (C) 64. (a) Also, all efforts should be made its ambit. (e) (A) and (B) to attain the medium-term fiscal (A) Even as in the wake...... and monetary policy (B) In the wake...... , but air Direction (61-65): Five sentences are targets. pollution...... given below, labelled (a), (b), (c), (d) and (b) Policymakers would do well to (C) In the wake...... , if air (e). Among these, four statements are in focus on strengthening macro pollution...... logical order and form a coherent economic fundamentals. (a) Only (A) paragraph / passage. From the given (c) One of the reasons for softer (b) Only (C) options, choose the option that does not growth in recent years is a decline (c) (B) and (A) fit into the theme of the passage. in savings rate. (d) (B) and (C) 61. (a) Last Saturday scientists went (d) That is because a sound (e) Only (B) through with an unprecedented macroeconomic environment is a 59. I. To gain some perspective on the protest. prerequisite for sustained higher Centres decision to divest 25% (b) The March for Science was growth. of its stake in five public prompted by some of the Trump (e) India has made significant sector general insurers, consider Administrations actions. progress over the last few years these numbers. (c) They marched for science in 600- on this front. II. Last year, the gross premium odd cities across the world. 65. (a) In fact, only 6.4% of government income of four of these companies (d) The actions mainly related to schools conform to the RTE — New India Assurance, cutting of budgets for scientific norms. United India Insurance, Oriental programmes. (b) Decades of debates over drafting Insurance and National Insurance (e) The administration has also led to a document that could be —increased by over 12%. ordered the EPA take down its passed in2009. (A) To gain some....., when last climate change webpage. (c) It was a simple idea, that all year...... 62. (a) There was also non-transparency children had a right to be educated (B) To gain some..... for last year...... which allowed the deficit to be in good schools. (C) To gain some perspective....., as seriously understated. (d) And that this right must be last year...... (b) We definitely need a new Act consecrated in law. (a) Only (A) because the existing one has (e) The scars of the debates were (b) (A), (B) and (C) proved ineffective. clear even as the document made (c) Only (B) (c) Our fiscal deficit and debt ratio its way through Parliament. (d) Only (C) are much higher than those of (e) None of the above Direction (66-67): You are presented other comparable emerging with five sentences expressing the same 60. I. Tens of thousands have gathered market countries. in public places, most notably on idea or theme in five different ways. Five (d) The lesson is not that fiscal rules options are given suggesting a pair of Chennais , on a are useless, but that the old Act day-and-night vigil, seeking the sentences. You have to choose an option was flawed, and we need which suggests two sentences conveying reversal of the Supreme Court- something better.

58 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 the same meaning. Identify the correct E. Britain and China are now due to a drought like choice. strengthening their cultural ties situation. 66. A. In an embarrassing failure, notwithstanding the tumultuous (A) Even as alarm.... Germany has hired thousands of history of British imperialism in (B) Set to... Indian software professionals to China. (C) Filling the... overcome its crisis in information (A) A and B (B) B and C (a) A and B (b) B only technology. (c) C and E (d) A and D (c) B and C (d) A and C B. As far as Germanys decision is (e) B and D (e) All of the above concerned to hire thousands of Direction (68-70): You are provided with Directions (71-75): In each of the Indian software professionals two or three statements. Three options questions given below a sentence is to overcome its crisis in are given (A), (B) and (C) which can be given with one blank. Below each information technology, it has used in the beginning (to start the sentence FOUR words are given out of proved to be an embarrassing sentence) to form a single sentence from which two can fit the BOLD word given failure. the two or three statements given. in the sentence. Five options are given C. Germanys attempt to overcome Identify the phrase/connector from the with various combinations of these its crisis in information given three options which can provide words. You have to choose the technology by hiring thousands of the suitable beginning implying the combination with the correct set of words Indian software professionals has same meaning as expressed in the which can fit in the given sentence. so far proved an embarrassing statement sentences. failure. 71. The photograph showed a man D. Germany aims to overcome its 68. I. There is a scarcity of staff in city lying ______the pavement, a crisis in information technology schools. puddle of blood about his head. which has proved to be an II. Teachers are often found stationed (A) likely to embarrassing failure by hiring at different government (B) prone on thousands of Indian software departments. (C) suffer from professionals. III. They do miscellaneous clerical (D) tend to E. Germany is hiring thousands of work in government departments (a) only C Indian software professionals to rather than teaching in (b) only A-B overcome its crisis in classrooms. (c) All except B information technology but until (A) Despite scarcity... (d) only B-C now it has proved to be an (B) Doing miscellaneous.. (e) only B embarrassing failure. (C) Though teachers... 72. Children in school are expected (a) C and D (b) A and B (a) A only (b) A and C to ______what they have been (c) C and E (d) A and D (c) A and B (d) B and C taught. (e) B and E (e) C only (A) absorb 67. A. In spite of the tumultuous history 69. I. The banking sector is suffering (B) together of British imperialism in China, from growing erosion in the (C) assimilate the two countries are efficiency and profitability. (D) incorporate strengthening cultural ties and II. The government has decided to (a) only C exchanging cultural values. restructure the banking sector. (b) only A-B B. Despite the tumultuous history III. Government wants to infuse (c) All except B of British imperialism in China, greater competition and efficiency (d) only B-C the two countries now see in their working sand (e) only B cultural exchange as a vehicle for increase their profitability. 73. The ______between private and strengthening ties. (A) Considering the growing..... public sector is not so clear cut as it C. In order to strengthen ties cultural (B) To infuse.... may appear. exchange is an important vehicle, (C) Since the banking... (A) difference Britain and China are (a) A and B (b) B and C (B) corroboration doing the same now despite the (c) C only (d) A and C (C) discrepancy tumultuous history of British (e) All of the above (D) dichotomy imperialism in China. 70. I. Alarm bells have started ringing (a) only C D. To strengthen ties Britain and over the slide in sugar production (b) only A-B China now see cultural exchange in the country. (c) All except B as an important medium II. Uttar Pradesh is set to reclaim its (d) only B-C regardless of the tumultuous position as top producer. (e) only B history of British imperialism in III. It is filling the vacuum created by 74. The Prime Ministers support will give China. Maharashtras low performance added ______to the campaign against crime.

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(A) momentum F. If steel capacity is being sold at a economic boom. Once the world economy (B) impetus fraction of the cost of setting up slows down, we will be back to 6% growth (C) quickly new capacity, it makes — unless we proceed with second (D) bolster eminent sense for a financial generation reforms. However, each of these (a) only C investor to pick up the assets and propositions bristles with problems. It is (b) only A-B sell it later on, to make a not true that economic growth rate (c) All except B killing. accelerated to 6% in the nineties. In fact, (d) All except D G. Public enterprises should be research has shown that the structural (e) only B encouraged to pull their break in Indias economic growth occurred 75. The discovery of an effect with such a considerable surpluses and bid for not in the early nineties but in the eighties, long ______period was no mean the assets. when economic growth accelerated to close feat of epidemiology. to 6%. The growth in the first decade after (A) acknowledge 76. Which is the FOURTH sentence after reforms was not significantly different from (B) developed Rearrangement? the growth rate in the eighties. The reforms (C) latent (a) E(b) A in the sense of market-oriented or even pro- (D) specific (c) C (d) F business policies did not commence (a) only C (e) D overnight in 1991, but had commenced (b) only A-B 77. Which is the FIRST sentence after earlier. Economic policies in the nineties (c) All except B Rearrangement? merely helped consolidate an underlying (d) All except D (a) F(b) A trend. Subsequently, the world economy (e) only B (c)E (d) B slowed down in 2001-03 which put the (e) D brakes on Indian economy. Then came the Directions (Q 76-80) : If G is the last 78. Which is the FIFTH sentence after crucial change, an acceleration to 8% in 2004- sentence of paragraph, rearrange the Rearrangement? 06. This cannot be ascribed to any fresh following sentences in the proper (a) B (b) A bout of reforms or even to the global boom. sequence to form a meaningful (c) F (d) E There have been important structural paragraph then answer the following (e) D changes in the economy. One is the rise in questions. 79. Which is the SECOND sentence after the savings rate from 23.5% in 2000-01 to A. If the promoter is barred — which Rearrangement? 29.1% in 2004-05. Most of this increase is currently the case — and his (a) E(b) A has come from the turnaround in public rival in the industry gets to (c) G (d) B savings. Thanks to the rise in the savings buy up the distressed assets for a (e) D rate, the economy has moved on to an song, that would represent an 80. Which is the THIRD sentence after altogether higher investment rate. The second undesirable outcome. Rearrangement? structural change is enhanced export B. The short point is, the focus has (a) A (b) B competitiveness, reflected in the rising share to shift to ensuring sufficient (c) D (d) E of exports. The total exports (trade plus competition in the bidding for (e) C invisible receipts)/ GDP ratio has risen the distressed assets, to lower the sharply from 16.9% in 2000-01 to 24.6% in Direction (Q. No. 81-90) : Read the haircuts creditors have to take, 2005-06. A third, less noticed change in recent following passage carefully and answer away from who gets to bid for years is financial deepening. The bank assets the questions given below it. Certain the distressed assets. GDP ratio rose from 48% in 2000-01 to words have been printed in bold to help C. There is every reason for the 8o% in 2005-06 on the back of a surge in you locate them while answering some Employees Provident Fund bank credit. One factor is common to these of the questions. (EPF) and the National Pension three structural changes: lower interest rates. With each passing day, it is getting easier to System (NPS) to set up special The decline in interest rates has helped fiscal believe that the acceleration in Indias funds to take part in the bidding consolidation; it has boosted firms economic growth from around 6% to 8% is for distressed assets. competitiveness and it has led to a huge here to stay. The hard part is trying to explain D. There is no reason to restrict the increase in retail credit. Lower interest rates why this has happened. How this is debate on expanding the cast of have been made possible by the rise in explained is important since it has a bearing would-be buyers for assets inflows on both current and capital accounts. on our future policy. As per conventional auctioned off under the The rise in inflows, in turn, reflects growing wisdom, Indias growth accelerated to around Insolvency and Bankruptcy Code overseas confidence in Indias economic 6% in the nineties from the historical rate of to whether the promoter of the potential — confidence created by two 3.5% because reforms had unleashed the distressed company should be decades of economic growth of 6%. The pent-up energies of Indian entrepreneurs allowed to participate in the sharp depreciation in the rupee in the long shackled by the socialist raj. It slowed bidding or not. nineties undoubtedly helped but it is worth subsequently because reforms had lost E. If such financial investors are not recalling that a trend towards rupee available, they should be created. momentum. The last three years spurt in growth is the fortuitous result of a global

60 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 depreciation was under way in the eighties (d) The turnaround in public savings these items by the seven companies is itself. was attributed to the perception given in the following graph and table. change of people. Study them carefully and answer the 81. According to the passage, what was the (e) None of these. question given below. reason behind the acceleration of growth 85. What should be an appropriate title for Percentage of the total production in the nineties? this passage? produce by the seven companies (a) The global economic boom (a) Mythology of post-reform consolidated the growth of Indian growth. economy. (b) The mystery of Indias economic (b) The exports gave a push to the boom rise in GDP which subsequently (c) Structural changes – The force led to the economic boom. behind (c) The reforms in the nineties which (d) Economic policies of 1990s. unravelled the potential of (e) None of these. entrepreneurs contributed t o 86. What kind of passage has the author Cost of the total production (both the economic rise. tried to present? items together) by seven companies = (d) The lower interest rates in the (a) The passage is about the authors Rs 25 crores nineties gave consumer the criticizing of Indias economic Ratio of production between items I purchasing power which reforms. and II and the per cent profit earned ultimately led to the rise in Indian (b) The author here has presented for the two items economy. facts about the Indias economic Ratio of Percent profit (e) None of these Company reformers. Production earned 82. Which of the following statements is (c) The author here has described the Item I Item II Item I Item II incorrect according to the passage? A 2 3 25 20 structural changes that took place B 3 2 32 35 (a) Growth rate after reforms was in Indias economic policies. C 4 1 20 22 similar to that in the eighties. D 3 5 15 25 (d) The author is optimistic about the E 5 3 28 30 (b) Reforms in economic policies had future of Indias future economic F 1 4 35 25 G 1 2 30 24 started prior to the nineties. policy. (c) Structural changes in the Indian (e) None of these. 91. What is the total cost of the production economy have helped lower 87. What is the synonym of the word of item I by companies A and C together interest rates. SPURT in Rs crore? (d) Increase in public savings rate has (a) Disgorge (b) Velocity (a) 9.25 (b) 5.9 contributed to higher investment (c) Evolve (d) Dismantle (c) 4.1625 (d) 4.9 rate. (e) Abrupt (e) None of these (e) None of these. 88. What is the synonym of the word 92. What is the amount of profit earned by 83. The passage does not discuss ASCRIBED company D on item II? (a) Factors contributing to lower (a) Impute (b) Described (a) Rs. 3.125 cr interest rates. (c) Referred (d) Enhanced (b) Rs. 31.25 cr (b) the importance of world economy (e) Quoted (c) Rs. 3.125 lakhs on Indias reform rates. 89. What is the antonym of the word (d) Rs. 31.25 lakhs (c) dimensions of structural changes BRISTLE (e) None of these in Indias economic reforms. (a) Percolate (b) Scarce 93. Cost of production of item I by company (d) the role of the public sector in (c) Affected (d) Contrite F is what per cent of the cost of Indias reforms. (e) Exquisite production of item II by company D? (e) None of these. 90. What is the antonym of the word (a) 16% (b) 33.33% 84. What did the research show about the COMMENCED (c) 66.67% (d) 12.5% structural break? (a) Arise (e) None of these (a) It was similar to that of the sixties (b) Cease 94. What is total profit earned by company as the reforms took a strive before (c) Immediate G for items I and II together? the 1990s. (d) Underway (a) Rs. 78 lakhs (b) It was not significantly different (e) Extant (b) Rs. 1.62 cr from that of 1980s as the reforms (c) Rs. 7.8 cr had commenced earlier QUANTITATIVE APTITUDE (d) Rs. 16.2 lakhs rather than overnight in 1990s. (e) None of these (c) It was only due to structural Directions (Q. 91-94):Seven companies 95. What is the ratio of the cost of changes in the 2004-06 which A, B, C, D, E, F and G are engaged in production of item I by company A to witnessed acceleration upto 8%. production of two items I and II. The comparative data about production of the cost of production of item I by company D?

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(a) 3 : 5 (b) 1 : 2 III. The length of the parallelogram is (a) 40 km (b) 50 km (c) 2 : 1 (d) 2 : 3 2.5 times the radius of the circle. (c) 45 km (d) 60 km (e) None of these (a) Only I and II (e) None of these (b) Only II and III 103. Two teams participating in a Directions: (Q. 96-100) : Each of the (c) Only I and III competition had to take a test in a given questions consists of a question followed (d) The question cant be answered time. Team B chose the easier test with by three statements. You have to study even with I, II and III. 300 questions, and team A the difficult the question and the statements and (e) All I, II and III are necessary to test with 10% less questions. Team A decide which of the following statements answer the question. completed the test 3 hours before is/are sufficient to answer the question. 100. In an institute employing mangers, schedule while team B completed it 6 96. What is the population of state X? observers and assists, what is the hours before schedule. If team B I. After 18% increase the monthly salary of an assistant? answered 7 questions more than team population of state X becomes I. An observer and an assistant A per hour, how many questions did 21.24 lakh. together get Rs 38000 per month. team A answer per hour? II. The population of state Y is 16.5 II. Each observer gets Rs 14000 per (a) 15 (b) 18 lakh. month more than an assistant. (c) 21 (d) 24 III. The ratio of population of state III. The total salary of a manager and (e) None of these X to that of state Y is 12 : 11. an observer is Rs. 65000 per 104. Gopal has 73 L of wine in a drum. He (a) Only I month. replaces 3.65 L of it with water and (b) Only II and III (a) Only I and II keeps doing so till the time the (c) Either only I or II and III (b) Only II and III concentration of wine is less than 85%. (d) All I, II and III (c) Only III The minimum number of operations (e) I and III (d) Either I or II that Gopal has to perform is 97. How many workers will be required to (e) None of these (a) 3 (b) 4 complete the construction work in 8 101. There are three pipes, A, B and C, (c) 2 (d) None of these days? opening into a tank. Each pipe can be (e) 5 I. 20% of the work can be completed used to fill or empty the tank at the 105. Aditi bought an article and spent 110 by 12 workers in 12 days. same respective rate. The ratio of the on its repairs. She then sold it to Samir II. 18 workers can complete the work rates of the three pipes at, which they at a profit of 20%. Samir sold it to Vikas in 40 days. either fill or empty the tank is 2 : 3 : 4. at a loss of 10%. Vikas finally sold it III. One-eighth of the work can be Pipes A and B, working together, take for Rs 1188 at a profit of 10%. How completed by 6 workers in 15 3 h to fill the tank when both are used much did Aditi pay for the article? days. as inlet pipes. In the first, second and (a) Rs 890 (b) Rs 1000 (a) Only II third hours of operation, the pipes, A, (c) Rs 780 (d) Rs 840 (b) Only I B and C respectively are used as (e) None of these (c) Only II and III emptying pipes, while the other two pipes are used as filling pipes. What is Directions (Q.106-110): Study the (d) Any one of the three information carefully to answer the (e) Only I and II the fraction of the tank to be filled at the end of the three hours? questions that follow: 98. What is the area of a hall? A school consisting of a total of 1560 I. The material cost of flooring per (Approximately) students has boys and girls in the ratio of 7 sq metre is Rs. 280. 1 3 : 5. All the students are enrolled in different II. The labour cost of flooring the hall (a) (b) types of hobby classes, viz Singing, Dancing 5 5 is Rs 4500. and Painting. One fifth of the boys are III. The total cost of flooring the hall 2 4 included in only Dancing classes. Twenty is Rs 18500. (c) (d) 5 5 percent of the girls are enrolled in only (a) Only II and III Painting classes. Ten percent of the boys (b) Only I and II (e) None of these are enrolled in only Singing classes. Twenty (c) Any two of the three 102. Rohit would like to attend his college four per cent of the girls are enrolled in both (d) All I, II and III Singing and Dancing Classes together. The day celebration. He has to travel a (e) None of these number of girls is enrolled in only singing certain distance from his home. He 99. What is the circumference of a semi- classes is two hundred per cent of the boys looks at his watch and he immediately circle (in cm)? enrolled in the same. One-thirteenth of the does some calculation and comes to I. The difference between the length boys are enrolled in all the three classes know that if he drives at a speed of 40 and breadth of a parallelogram is together. The ratio of boys enrolled in km/h he will reach his college 10 min 10 cm. Dancing and Painting classes together to the late and if he drives at a speed of 50 II. The area of the semi-circle is half girls enrolled in the same is 2 : 1. Ten per km/h he will reach 5 min early. What is the area of the parallelogram. cent of the girls are enrolled in only Dancing the distance that Rohit has to cover?

62 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 classes whereas eight per cent of the girls The table shows the percentage of (c)56 (d)52 are enrolled in both Dancing and Painting various categories (General, OBC, SC (e)85 classes together. The remaining girls are and ST) for different posts in different 117. 900 810 448 392 180 ? enrolled in all the three classes together. The years) (a)48 (b)150 number of boys enrolled in Singing and (c)90 (d)45 Income Tax Custom Excise Dancing classes together is fifty per cent of Year (e)78 Inspector Inspector Inspector the number of girls enrolled in the same. Gen OBC SC ST Gen OBC SC ST Gen OBC SC ST 118. 57 73 91 111 ? 157 The remaining boys are enrolled in only 2008 54 28 12 6 52 25 16 7 50 36 10 4 (a)143 (b)133 Painting classes. 2009 42 36 14 8 48 30 15 7 46 36 14 4 (c)123 (d)135 2010 51 30 15 4 46 38 10 6 52 26 16 6 (e)None of these 106. What is the total number of boys who 2011 60 22 12 6 58 23 14 5 54 28 12 6 119. 57 85 105 117 ? 2012 55 24 16 5 55 27 12 6 60 18 14 8 are enrolled in Dancing? (a)121 (b)108 (a) 318 (b) 364 111. In which of the following years the (c)138 (d)136 (c) 292 (d) 434 number of SC candidates selected for (e)135 (e) None of these the post of Income Tax Inspector is 120. 39 48 53 54 51 ? 107. Total number of girls enrolled in Singing the maximum? (a)59 (b)44 is approximately what per cent of the (a) 2010 (c)33 (d)46 total number of students in the school? (b) 2008 (e)48 (a) 37 (b) 19 (c) 2009 (c) 32 (d) 14 Directions (Q. Nos. 121-125) : In each (d) Both 2011 and 2012 (e) 26 question, two equations I and II are (e) Both 2008 and 2009 108. What is the total number of students given. You have to solve both the 112. In which of the following years the enrolled in all the three classes together? equations and give answer number of OBC candidates selected for (a) 135 (b) 164 (a) If x > y Excise Inspector is the minimum? (c) 187 (d) 142 (b) If x ≥ y (a) 2012 (b) 2010 (e) None of these (c) 2008 (d) 2011 (c) If x < y 109. Number of girls enrolled in only Dancing (e) 2009 (d) If x ≤ y classes is what per cent of the boys 113. What is the ratio of General candidates (e) If x = y or relationship between x enrolled in the same? (rounded off to to ST candidates selected for the post and y cant be established. two digits after decimal) of Custom Inspector in 2008? (a) 38.67 (b) 35.71 2 (a) 36 : 7 (b) 7 : 52 121. I.x – 6 3 x – 48 = 0 (c) 41.83 (d) 28.62 (c) 14 : 23 (d) 7 : 36 (e) None of these II. y2 – y – 24 = 0 (e) 52 : 7 2 110. What is the ratio of the number of girls 2 114. The number of OBC candidates selected 122. I. x – 11x +24 = 0 enrolled in only Painting classes to the 2 during 2008-12 for the post of Income II. y – 7y +12 = 0 number of boys enrolled in the same? Tax Inspector is what per cent of the 123. I.12x2 – 17x + 6 = 0 (a) 77 : 26 (b) 21 : 73 General candidates selected during (c) 26 : 87 (d) 73 : 21 2 2008-12 for the post of Custom II. 20y – 31y + 12 =0 (e) None of these Inspector? 124. I. 3x2 – 8x + 4 = 0 Directions (Q. 111-115) : Study the (a) 46.49% (b) 43.41% II. 4y2 – 15y + 9 = 0 following bar-diagram and table (c) 39.51% (d) 37.61% carefully, and answer the questions given (e) 35.71% 2401 below: 115. What is the ratio of Income tax 125. I. 3 11 - = 0 x 3 x The bar-graph shows the number of Inspectors from SC Category in 2009, recruitments for various posts (Income Custom Inspectors from OBC 7 − 1296 Tax Inspector, Custom Inspector and Category in 2010 and Excise Inspectors II. y = 0 from ST Category in 2011? y Excise Inspector) in different years (a) 34 : 113 : 39 Directions (Q. Nos. 126-130) : What (b) 35 : 133 : 36 should come in place of question mark (c) 32 : 131 : 37 (?) in the following questions? (d) 31 : 117 : 47 (e) 29 : 119 : 43 126. 930 25. + 1482 25. − 45% of 180 Directions (Q. Nos. 116-120): What will come in place of question mark (?) in + 46.5 = ? the following number series? (a)1180.25 (b)1390.25 (c)1190.25 (d)1290.75 116. 281 218 163 116 ? (a)77 (b)78 (e)1490.25

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131. Cost of fencing of the plot which is of work in 25 days. Only 10 women 1 127. 79% of 790 + of 675 ÷ 0.5 = ? rectangular in shape is approximately started working and in a few days 3 what percent of the cost of flooring of completed a certain amount of work. (a)1074.1 (b)984.21 plot T? (round off to 2 decimal places) After that 3 men joined them. The (c)1284.21 (d)1181.1 (a) 20.42% (b) 21.84% remaining work was completed by 10 (e)971.1 (c) 24.58% (d) 22.94% women and 3 men together in 5 days. (e) 23.74% After how many days did 3 men join 6.0 ÷ 3.0 × 4.0 132. If the triangular field is in the shape of 10 women? 128. (1728) (144) .0( 0144) right angled triangle with the same base 10 4.0 (a)11 (b)13 and height as given in table then find (c)15 (d)10 = (?)2 the difference between cost of fencing (e)12 (a)1.1 (b)1.8 and cost of flooring of this field. 139. Rs 16000 was invested for three years, (c) 2 (d)1.2 (a) Rs.9510 partly in scheme A at the rate of 5% (b) Rs. 9475 simple interest per annum and partly (e) 3 (c) Rs. 9550.4 in scheme B at the rate of 8% simple 129. 174% of 445 + 9% of 167 + 1521 =? (d) Rs. 9579.6 interest per annum. The total interest (e) Rs.9670 (a)728.43 (b)828.33 received at the end was Rs 3480. What 133. If the field R is in the shape of circle (c)448.63 (d)653.63 amount of money was invested in instead of being square with the radius (e)1028.73 scheme A? equal to side of square then find the (a)Rs 6000 (b)Rs 6500 1 2 1 1 percentage increase in cost of flooring (c)Rs 4500 (d)Rs 4000 130. 19 + 26 − 9 + 5 = ? of field R as compared to the initial 7 3 3 7 (e)Rs 8000 cost of flooring. (Approximate) 13 13 (a)42 (b)31 (a) 214% (b) 220% 140. The radius of a cylinder increases by 21 21 (c) 250% (d) 210% 3 (e) 200% 1 1 times but its height reduces by 60%. (c)42 (d)33 134. What is the difference between the cost 2 7 3 of fencing and flooring of triangular What is the percentage change in its 13 field? (assume the triangular field in the volume? (e)41 shape of right angled triangle) 21 (a)40% increase (a) 101149 (b) 101199 (b)35% decrease (c) 104151 (d) 104199 Directions (131-135) : Given below is the (c)45% increase (e) None of these table showing the data related to 5 (d)65% decrease 135. What is the sum of cost of flooring all different fields of different shapes and (e)None of these their corresponding dimensions, area the fields ? (in Rs.) and circumference. Some of the values (a) 256500.5 (b) 255500.5 REASONING & COMPUTER are missing. You are expected to (c) 258500.5 (d) 261500.5 calculate the missing values, if (e) None of these Directions (141-144): Study the given necessary and answer the questions 136. The length of a rectangle is 4m more information and answer the questions: given below. than the side of a square and the breadth When a word and number arrangement of the rectangle is 4m less than the side machine is given an input line of words and Perimeter / Field Side Height Radius Radius Area of the same square. If the area of the numbers, it arranges them following a Field Shape circumference Name (in m) (in m) (in m) (in m) (In sq. m) (in m) square is 567 sq m, what is the area of particular rule. The following is an P Triangular - 78 24 - - - the rectangle? (in sq m) (approx) illustration of input and its rearrangement. Q Rectangular 94× - - - - 7050 - R Square 89 - - - - - (a)549 (b)545 Input: magic 31 earth 36 old 47 unit 79 S Parallelogram 75× 96 - - - 4500 - (c)557 (d)559 stress 82 talk 28 T Circular - - - - - 110 (e)551 Step I: earth 31 magic 36 old 47 unit 79 137. A sells an item to B at 20% profit. B stress 82 talk 28 sells it to C at 10% profit and C sells it Step II: old 47 earth 31 magic 36 unit 79 to D at Rs 116 profit. The difference stress 82 talk 28 between the cost price of D and the Step III: unit 79 old 47 earth 31 magic 36 cost price of A is Rs 500. How much stress 82 talk 28 did B pay to A for the item? Step IV: magic 28 unit 79 old 47 earth 31 36 (a)Rs 1240 (b)Rs 1250 stress 82 talk (c)Rs 1440 (d)Rs 1450 Step V: stress 36 magic 28 unit 79 old 47 (e)Rs 1400 earth 31 82 talk 138. 10 men can finish a piece of work in 15 Step VI: talk 82 stress 36 magic 28 unit 79 days, 8 women can finish the same piece old 47 earth 31

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Step VI is the last step of the above (c) All A are B. Some A are C. All C 152. Who lives below the person one who arrangement as the intended are D. Some A are D. likes Cricket ? arrangement is obtained. (d) All A are B. Some C are B. No B is (a)F (b)H As per the rules followed in the above steps, D. Some A are D is a possibility. (c)B (d)C find out in each of the following questions (e) None is correct (e)None of these the appropriate step for the given input. Input: field 97 in 16 green 19 all 67 tree Direction (148-152).Study the following Directions (153-154) : Study the 52 our 68 information carefully to answer the following statements and answer the given Questions questions given below: 141. Which element is exactly between 67 A, B, C, D, E, F, G and H live on 8 different (i) A × B means A is brother of B. and 19 in Step III? floors of a buildings but not necessarily in (ii) A – B means A is mother of B. (a) all (b) our the same order. The lower most floor of the (iii) A + B means A is father of B. (c) field (d) in building numbered 1, the one above that is (iv) A ÷ B means A is sister of B. (e) None of these numbered 2 and so on. Each of them lives 142. What is the difference between the on a different floor also likes a different 153. M is maternal uncle of J will be written number which is second from left end sports – Badminton, Volleyball, Race, as which of the following? in Step V and the number which is Cricket, Tennis, Hockey, Football and (a) J × R – M second from the right end in Step IV? Boxing. The one who likes Tennis lives on (b) M × J – T (a) 4 (b) 10 an even numbered floor. Only 3 people (c) M × T + J (c) 25 (d) 0 live between the one who likes Tennis and (d) M × T – J (e) None of these C. Only 2 people live between C and D. D (e) None of these 143. How many steps are required to does not live on the lowermost floor. Only 154. P is niece of J will be written as which complete the above arrangements? 3 people live between D and the one who of the following? (a) four (b) Seven likes Hockey. E lives immediately above A. (a) J+ R – P ÷ T (c) three (d) six E lives on an even numbered floor. A does (b) J ÷ R – P ÷ T (e) Five not like Hockey .A lives neither on the floor (c) J × R – P 144. In which step the elements “19 green 3 nor 5.Only 2 people live between A and (d) P + J + K tree” found in the same order? the one who likes Football .Only one person (e) None of these (a) Step IV (b) Step V lives between the one who likes Football (c) Step II (d) Step I Directions (155-156) : Study the and Volleyball .The one who likes Volleyball (e) Step III following information carefully to lives below the one who likes Football. B answer the given Questions. Direction (145-147): In which of the lives immediately above G. Only one Point D is 2 km to the north of point C. following options 4th statement follows persons lives between G and the one who Point G is 8 km to the north of point H. from the 1st three statement? likes Cricket .The one who likes Race lives Point A is 15 km to the south of point B. immediately above the one who likes Point C is 8 km to the east of point B. Point 145. (a) All A are B. Some C are A. Some Badminton .F does not like Tennis. A does E is 10 km to the north of point F which is C are D. Some B are D. not like Volleyball. The one who likes Tennis 4 km to the west of point G. Point D is 4 km (b) Some A are B. No C is B. All C are does not live in top position. to the west of point E. D. No A is D. (c) Some A are B. All B are C. No B is 148. Which of the following game H likes ? 155. If a person after taking 2 turns reaches D. Some A are D. (a) Hockey (b)Tennis to point B from point F via point A, (d) All A are B. No C is B. All D are (c) Cricket (d)Race then what is the distance that he C. No A is D (e)None of these covered? (e) None is correct 149. D lives on the which of the following (a) 32 km (b) 34 km 146. (a) All A are B. Some C are A. No B is floor numbers ? (c) 30 km (d) 35 km D. Some C are D. (a)5 (b)4 (e) 36 km (b) Some A are B. All B are C. All D (c)3 (d)6 156. If a person starts from point H and are C. Some B are D. (e) None of these reaches point S which is south of point (c) All A are B. Some C are B. No B is 150. Who among the following likes C, then find distance CS + HS – EF. D. No A is C. Hockey ? (a) 12 km (d) All A are B. All C are A. No A is (a)H (b)E (b) 13 km D. Some D are not B. (c)C (d)F (c) 15 km (e) None is correct (e)None of these (d) Cannot be determined 147. (a) Some A are B. All B are C. No C is 151. Which of the following pair is correct? (e) None of these D. No A is D (a)E-Race (b)D-Boxing (b) Some A are B. All B are C. Some (c)G- Tennis (d)A – Football Directions (157-160) : Study the D are B. No A is D. (e)None of these following information carefully to answer the given Questions.

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Eight persons A, B, C, D, E, F, G, H are 162. What is the code for minister in the 167. Who sits third to the right of H? seated in a Row facing north. Their positions given code language? a)W b)T are numbered 1 – 8 from left to right. Each (a) RN9 (b) SN9 c)F d)P of them have some red and some green (c) RM9 (d) RN8 e) J marbles ranging from 1 – 8 in number.No (e)None of these 168. Who sit immediate left of Vodafone? two persons have the same number of same 163. What is the code for traditional in the a)Q b)P colour marbles or same no. of total marbles. given code language? c)F d)F They are standing from left to right in the (a) LH12 (b) LG1 e) T ascending order of the total no. of marbles (c) KG12 (d) LG12 they have. (e)None of these Directions (169-171) : In each question F is seated at the extreme Right end of the below is given a statement followed by row. The sum of marbles with A and C is Directions: (Q. Nos. 164-168): Study the two assumptions numbered I and II. You equal to the total number of marbles with F. following information carefully to have to consider the statement and the Number of green marbles with F is equal to answer the given Questions. following assumptions and decide which the number of marble with A. A has 8 marbles Eight persons S, H, Q, W, J, P, T, F are of the assumptions is implicit in the in total. Only E has equal number of green sitting around a circular table facing outside. statement. and red marbles. Sum of the number of red Each of them uses different type of mobile Give answer: marbles with A and green marble with G is network Idea, Jio, Aircel, Airtel, BSNL, (a) If only assumption I is implicit equal to the total no. of marble with F. G Reliance, Tata Docomo & Vodafore but not (b) If only assumption II is implicit has 7 green marbles. B has 5 red marbles. D necessarily in the same order. (c) If either I or II is implicit has 12 marbles in total. Numbers of red Two person sit between F and the one who (d) If neither I nor II is implicit marbles with H is equal to number of green uses Airtel. S is an immediate neighbour of (e) If both I and II are implicit. marbles with D. the one who uses airtel. Only one person sits between S and the one who uses tata 169. Statement: “You are hereby appointed 157. How many total no. of marbles C have? docomo. The one who uses airtel and the as a programmer with a probation a)6 b)9 one who uses tata docomo network are not period of one year and your c)11 d)13 immediate neighbours. Two person sit performance will be reviewed at the end e) None of these between T and the one who uses tata of the period for confirmation.” – A 158. E having how many green or red docomo. Only one person sit between T line in an appointment letter. marbles? and P. Only one person sit between P and Assumptions: a)3 b)2 the one who uses idea. The one who uses I. The performance of an individual c)4 d)5 aircel, Sits immediate left of the one who generally is not known at the time e)None of these uses idea. Two person sit between H and of appointment offer. 159. Who sits second to the left of B? the one who uses aircel. The one who uses II. Generally an individual tries to a)A b)H Reliance sits second to the left of H. W sits prove his worth in the probation c)G d)F second to the right of Jio. Neither H nor F period. e)None of these uses jio. The one who uses vodafore sits 170. Statement: It is desirable to put the 160. Who sits second to the right of the third to the right of the one who uses BSNL. child in school at the age of 5 or so. person having 3 green marbles ? Neither J nor Q uses BSNL. The one who Assumptions: a)G b)D uses Idea is not an immediate Neighbour of I. At that age the child reaches c)B d)F S. J does not use Tata Docomo and Reliance. appropriate level of development e)None of these T does not use Airtel. and is ready to learn. II. The schools do not admit children Directions (161-163) : Study the 164. Who sits second to the left of P? after six years of age. information and answer the following a)Q b)F 171. Statement: “In order to bring questions: c)T d)W punctuality in our office, we must In a certain code language e) None of these provide conveyance allowance to our “raise the issue of” is coded as “EI6 EG4 165. Who sit immediate left of the person employees.” – In charge of a company ER6 FL3” having BSNL sim? tells Personnel Manager. “boats have been released” is coded as “SY6 a)T Assumptions: ES5 NY5 DI9” b)W I. Conveyance allowance will not “and has taken up” is coded as “DZ4 SS4 c)The person having Idea sim help in bringing punctuality. NG6 PF3 “ d)Both a & c II. Discipline and reward should e) None of these always go hand in hand. 161. What is the code for fisherman in the 166. Who among the following have Tata given code language? docomo sim? Directions (172-173) : In each question (a) NU10 (b) MU10 a)Q b)H below is given a statement followed by (c) NU0 (d) NU11 c)S d)J two courses of action numbered I and II. (e)None of these e) W You have to assume everything in the

66 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 statement to be true and on the basis of & flying to one of the destination II. Neeraj is Meenals uncle and the information given in the statement, but not to Bangalore or Kolkata. Preetis brother decide which of the suggested courses of 174. Which of the following is gouravs 181. Multimedia can contain: action logically follow(s) for pursuing. specialization? (a) graphics, animation, video, music Give answer: a) Administration and voice (a) If only I follows b)Marketing (b) only numeric-type data (b) If only II follows c)System (c) only numeric, text and picture data (c) If either I or II follows d)Finance (d) database that in turn contain other (d) If neither I nor II follows e)None of these database, creating massive data (e) If both I and II follow. 175. From the following who is not an collection executive? (e) None of these 172. Statement: A large number of people a)Gourav b)Jack 182. The Personal computer was started to in ward X of the city are diagnosed to c)Keshav d)Dinesh use from which Generation onwards?: be suffering from a fatal malaria type. e)Amit (a) First Generation Courses of Action: 176. Dinesh travelling to which city? (b) Second Generation I. The city municipal authority a)Banaglore (c) Third Generation should take immediate steps to b)Kolkata (d) Fourth Generation carry out extensive fumigation in c)Either a or b (e) Fifth Generation ward X. c)Chennai 183. What do you call a computer on a II. The people in the area should be e)None of these network that requests files from advised to take steps to avoid 177. From the following, who is a HRM another computer? mosquito bites. specialist? (a) A client (b) A host 173. Statement: Severe drought is reported a)Amit b)Bharat (c) A router (d) A web server to have set in several parts of the c)Dinesh d)Jack (e) None of these country. e)Firoz 184. Which operation is not performed by Courses of Action: computer: I. Government should immediately Directions (178-180): study the following (a) Inputting make arrangement for providing information carefully. (b) Processing financial assistance to those (A) If the data in statement I alone is (c) Controlling affected. sufficient to answer the question. (d) Understanding II. Food, water and fodder should (B) If the data in statement II alone is (e) None of these immediately be sent to all these sufficient to answer the question. 185. Soft copy refers to: areas to save the people and cattle. (C) If the data either in statement I (a) Music sounds alone or statement II alone are Directions:(174-177): Study the (b) Screen output sufficient to answer the question. following information carefully to (c) Printed output (D) If the data given in both I and II answer the given Questions. (d) Digitizing together are not sufficient to I. Seven friends Amit, Bharat, (e) None of these answer the question. Dinesh, Firoz, Garuav, Jack & 186. The small, touch-sensitive screen at (E) If the data in both the statements Kashav are in patna to attend a the base of the keyboard on a laptop is I and II together are necessary to Seminar at Bangkok. Five of them known as the: answer the question. have to go back to Different places (a) stylus 178. Who is taller among A, B, C, D, and E? – Delhi, Chennai, Kanpur, (b) touchpad I. D is shorter than B. A is shorter Banglore & Kolkata. (c) game control than only E. II. Five of them are executive, each (d) trackball II. B is taller than only D. E is taller specializing in Administration, (e) None of these than A and C. Human Resource Management 187. What is not necessary for accessing 179. What is the distance between point A (HRM), Marketing, systems & the Web? and point B? finance. (a) A Web browser I. Point C is 10 m west of point A III. Garuav an executive is going to (b) A connection to an Internet Access and point D is 10 m north of point Chennai, is neither from finance Provider A. nor from marketing. Keshav is a (c) A computer II. Point B is 10 m south-east of system specialist & is leaving for (d) A printer point C. Point D is 20 m north- Delhi. Jack is an executive but not (e) None of these west of point B. going to one of five places. 188. The most common keyboard uses the 180. How is Shubham related to Shivani? IV. Bharat is an executive from HRM _____ layout. I. Shubham is brother of Meenal. but has come at the airport to see (a) Dvorak Shivani is niece of Preeti. off his friends. Amit is an (b) numeric executive but not from marketing (c) QWERTY

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(d) alpha exchange today said it is adding over to traffic rules and also organize health (e) None of these 2,500 users a day and has reached five awareness sessions. 189. Computers calculate numbers in what lakh downloads. 57. a; The given statements show additional/ mode? (C) Despite the Reserve Banks call for sequential information and can be (a) Decimal caution to people against the use of correctly combined using A and B. (b) Octal virtual currencies, a domestic Bitcoin Option C shows contradiction, which (c) Binary exchange today said it is adding over is not the case here. (d) None of the above 2,500 users a day and has reached five (A) A teacher of English Suryakanta (e) None of these lakh downloads. (Virtual currencies are Behera said that the skill-related 190. Hardware devices that are not part of the Bitcoins) education should be linked to proper the main computer system and are often 53. d; The sentences show contrast whereas, graduation courses, so that students added later to the system. They are Option A and B show sequential could gain confidence and find avenues called relationship. for employment. (a) Peripheral Only option C can correctly combine (B) A teacher of English Suryakanta (b) Clip art the statements. You may start the Behera said that skill-related education (c) Record sentence with should be linked to proper graduation (d) File (C) Although DCCBs, so far out of courses, as students could gain (e) None of these the currency swap, have implemented confidence and find avenues for the core banking system (CBS), they employment. ♦♦♦♦ have a long way to go when it comes to 58. b; The given sentences can be correctly offering digital services such as Internet combined using C as they have a or mobile banking. conditional clause. Option B shows EXPLANATIONS 54. e; The given sentences show sequential contrast and option A suggests at the relationship i.e. additional information same time as. Both of which are 1. d 2. e 3. a 4. c is given. Option A shows contradiction, irrelevant here. 5. b 6. c 7. d 8. e B shows conditional clause and C (C) In the wake of the Centre notifying 9. a 10. b 11. b 12. c shows hardly. The sentence cannot be a graded response plan to counter air 13. e 14. a 15. d 16. a combined with any of the given options pollution, Delhi Transport Minister 17. c 18. b 19. d 20. e to make grammatically coherent Satyendar Jain on Tuesday said that 21. b 22. c 23. a 24. e sentence. the odd-even scheme would be 25. d 26. a 27. e 28. b 55. d; The given statements show additional implemented within days, if Air 29. c 30. d 31. b 32. a information, which is correctly pollution touched emergency levels 33. c 34. e 35. d 36. c reflected by option B and C. Option in the Capital and may also, in a first, 37. d 38. b 39. b 40. a A introduces a conditional clause, have two-wheelers under its ambit. 41. e 42. c 43. b 44. a which is not the case. 59. b; (A) To gain some perspective on the 45. e 46. e 47. c 48. a (B)Not only does the DOT autonomous Centres decision to divest 25% of its 49. e 50. d field implement platform eliminates the stake in five public sector general 51. c; (B) Adopted by the UN General need for the hefty drawing power of a insurers, consider these numbers, when Assembly in 1996, the CTBT is a four-wheel-drive tractor, but it also last year, the gross premium income of multilateral treaty that bans all nuclear eliminates axles, wheels and hitches on four of these companies — New India explosions, by everyone, everywhere: most field implements by essentially Assurance, United India Insurance, on the Earths surface, in the turning them into self-propelled units. Oriental Insurance and National atmosphere, underwater and (C)Along with eliminating the need for Insurance — increased by over 12%. underground, making it very difficult the hefty drawing power of a four- (B) To gain some perspective on the for countries to develop nuclear bombs wheel-drive tractor, the DOT Centres decision to divest 25% of its for the first time, or for countries that autonomous field implement platform stake in five public sector general already have them, to make more also eliminates axles, wheels and hitches insurers, consider these numbers, for powerful bombs. on most field implements by essentially last year, the gross premium income of Both A and C change the subject of the turning them into self-propelled units. four of these companies — New India sentence. 56. a; The given sentences show additional Assurance, United India Insurance, 52. a; The sentences suggest a context of information. Only option A combines Oriental Insurance and National notwithstanding, which is correctly the statements correctly. Both option Insurance — increased by over 12%. depicted by A and C. since shows a B and C show contradiction, which is (C) To gain some perspective on the causational relationship, which is not not the case here. Centres decision to divest 25% of its the case here. (A) The Delhi International Airport stake in five public sector general (A) In spite of the Reserve Banks call (P) Ltd (DIAL) started a three day road insures, consider these numbers, as last for caution to people against the use of safety campaign from Tuesday, during year, the gross premium income of four virtual currencies, a domestic Bitcoin which it would ensure strict adherence of these companies —New India

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Assurance, United India Insurance, talks more of the act which is not serving suggests. Hence C and E give out of Oriental Insurance and National its purpose. The order is BEAD. the same meaning. Insurance — increased by over 12%. (c) does not fit. Even though there is 67. e; Sentence A suggests that the two 60. d; (A) The show of solidarity has been talk of fiscal deficit and debt ratio , countries are strengthening cultural ties peaceful, in sharp contrast to the they are not in tandem with the passage, and exchanging cultural values, aggression shown by some enthusiasts which is about the Act that should sentence C states a fact that to on social media in targeting certain tackle the deficit. strengthen ties cultural exchange is an celebrities for their earlier support to 63. b; The passage starts with (e). (d) follows important vehicle and two countries are PETA (People for the Ethical — It also refers to a planet. After that doing the same, sentence E also Treatment of Animals), even as tens of comes(a), because of the use of mentions cultural ties. thousands have gathered in public Additionally. And (c) comes last. Sentence (b) suggests that despite the places, most notably on Chennais Hence, the correct order is EDAC. history, two countries now see cultural Marina beach, on a day-and-night vigil, Clearly, (b) is the sentence that is not exchange as a vehicle for strengthening seeking the reversal of the Supreme part of this passage, since it goes totally ties while D suggests that two countries Court-ordered ban on the conduct of off the track and talks about education now see cultural exchange as an the annual ritual. in schools. important medium (vehicle) for (B) Tens of thousands have gathered 64. c; The starting sentence is (b). (d) strengthening ties despite the history, in public places, most notably on follows — That relates to the focus giving out the same meaning. Chennais Marina beach, on a day-and- on strengthening macroeconomic 68. c; We cannot begin with Though night vigil, seeking the reversal of the fundamentals which is stressed upon teachers.. as there is no contradiction Supreme Court-ordered ban on the in (b). (e) follows (d), since this front of this sentence with others. conduct of the annual ritual, however, in (e) is the high growth mentioned in (A) Despite scarcity of staff in city the show of solidarity has been (d) And (a) follows (e) logically. The schools, teachers are often found peaceful, in sharp contrast to the correct order is BDEA. stationed at different government aggression shown by some enthusiasts (c) does not fit in the passage. That is departments, doing miscellaneous on social media in targeting certain because it talks of growth as a clerical work rather than teaching in celebrities for their earlier support to derivative of the savings rate, which is class rooms. PETA (People for the Ethical not associated with any other aspect (B) Doing miscellaneous clerical work Treatment of Animals). of the passage. rather than teaching in classrooms, (C) Tens of thousands have gathered 65. a; The sentence starts with (c). This teachers are often found stationed at in public places, most notably on may not be apparent, because the start different government departments even Chennais Marina beach, on a day-and- is with It, but the sentence is written though there is a scarcity of staff in night vigil, seeking the reversal of the in a roundabout manner and the It city schools. Supreme Court-ordered ban on the refers to children education mentioned 69. e; (A) Considering the growing erosion conduct of the annual ritual, and the in the same sentence. (d) follows (c) in the efficiency and profitability of show of solidarity has been peaceful, since it continues the same sentence. the banking sector, the government has in sharp contrast to the aggression (b) follows (d) , because it talks of how decided to restructure the banking shown by some enthusiasts on social the law was consecrated . (e) carries sector in order to infuse greater media in targeting certain celebrities for forward the matter of debates which competition and efficiency in their their earlier support to PETA (People was mentioned in (b). Hence , the workings and to increase their for the Ethical Treatment of Animals). correct order is CDBE. profitability. 61. e; The starting sentence is (a). The next As is apparent, (a) is not at all in sync (B) To infuse greater competition and sentence in the passage is (c), since with the context of the passage. efficiency in their workings and increase They refers to the scientists 66. c; Sentence A suggests that Germany their profitability, the government has mentioned in (a). (b) is a logical follow has hired thousands of professionals, decided to restructure the banking of (c), since the same March for sentence B suggests that Germanys sector as it is suffering from growing Science is repeated, and explains why decision has proved to be a failure, it erosion in the efficiency and the march happened. (d) follows, since does not clarify whether Germany is profitability. it now talks of the actions the reference hiring or has hired, sentence D suggests (C) Since the banking sector is suffering of which was made in (b) Hence ACBD that crisis in information technology from growing erosion in the efficiency is the correct order. has proved to be an embarrassing and profitability, the government has (e) does not fit in the passage, since it failure. decided to restructure the banking talks of climate Sentence C states that Germanys sector in order to infuse greater 62. c; (b) is the starting sentence. (e) follows attempt has so far proved an competition and efficiency in their (b) since the It refers to the Act in embarrassing failure, this means that workings, and increase their (b). In (a),the start is with There was Germany is in the midst of hiring and profitability. also non transparency which carries so far, or until now it has proved to be 70. e; (A) Even as alarm bells have started the logic further (d) follows (a) since it a failure, this is what sentence E also ringing over the slide in sugar

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production in the country, Uttar 2 15 From II, area of the semi-circle = Pradesh is set to reclaim its position as × × 25 top producer, filling the vacuum 5 100 Area of parallelogram b× h 95. (c) Reqd. ratio = 3 8 = created by Maharashtras low × × 25 2 2 performance due to a drought-like 8 100 situation. From III, length of parallelogram = 2.5 = 2 : 1 (B) Set to reclaim its position as top × radius of the circle sugar producer even as alarm bells have (96-100) started ringing over the slide in sugar 100. (a) From I, observer + assistant = Rs production in the country, Uttar 96. (c) From I, population of state X = 38000 Pradesh is filling the vacuum created 100 From II, observer = assistant + Rs by Maharashtras low performance due 24.21 × = 18 lakh 14000 to a drought-like situation. 118 From III, Manager + Observer =Rs (C) Filling the vacuum created by From II and III, population of state X 65000 Maharashtras low performance due to Now, I and II, assistant + 14000 + 12 a drought-like situation, Uttar Pradesh = × 5.16 = 5.1 × 12 = 18 lakh assistant = 38000 is set to reclaim its position as top 11 Assistant salary producer even as alarm bells have 1 38000 − 14000 started ringing over the slide in sugar 97. (d)From I, of the work is completed = =Rs 12000 production in the country. 5 2 71. e 72. d 73. c 74. d by 12 workers in 12 days. 101. (c) Let the common ratio be x. 75. a 76. d 77. e 78. d Since, pipe A takes 2x h to fill or to 79. b 80. b 81. c 82. a To complete the work in 60 days we empty the tank. 83. d 84. b 85. a 86. c require 12 workers. Pipe B takes 3x h to fill or to empty 87. a 88. a 89. b 90. b the tank. To complete the work 8 in days we Pipe C takes 4x h to fill or to empty (91-95) the tank. 12 × 60 91. (b) Total cost = required = = 90 men Now, Pipe A and B can fill the tank in 8 3 h 2 15 4 22 From II, 18 workers can complete the × × 25 + × × 25 = work in 40 days. 5 100 5 100 = 1 + 1 = 1 In 40 days reqd. no. of workers = 18 x2 x3 3 1.5+4.4 = 5.9 cr In 8 days reqd. no. of workers = 3 + 2 1 5× 3 5 = = x, = = 92. (d) Amount of profit earned by 18× 40 x6 3 6 2 = 90 men company D on item II 8 So, pipe A, B and C simultaneously take 5h, 7.5 h and 10 h to fill or to 5 8 25 From III, 6 workers can complete the = × × 25 × = 31.25 lakh empty the tank. × 8 100 100 work in 15 8 = 120 days Now, by given condition, 93. (e) Cost of production of item I by In 120 days reqd. no. of workers = 6      1 + 1 − 1  +  1 + 1 − 1  1 5 In 8 days reqd. no. of workers = company F = × × 25 = 0.25 cr  5 5.7 10   5.7 10 5  5 100 6 × 120 = 90  1 1 1  Cost of production of item II by 8 +  + −  10 5 5.7  5 8 98. (d) From I, II and III, let the area of hall company D = × × 25 × 25 = x sq m 8 100  6 + 4 − 3   4 + 3 − 6  Then, total material cost =Rs 280x =   +       1.25 cr Total cost =280x +4500 = 18500 30 30 25.0 Now, 280x = 18500 - 4500 = 14000  3 + 6 − 4  Reqd. % = × 100 = 20% +   25.1 14000  30  x = = 50 sq m 94. (a) Total profit earned by company 280 = 7 + 1 + 5 = 13 ≈ 2 1 12 30 2 12 24 99. (d)From I, let the length be x cm and × ×25× + × ×25× 30 30 30 30 5 G = 3 100 100 3 100 100 breadth = y cm 2 = 0.3 +0.48 = Rs 78 lakh Hence, after 3 h tank is filled. x – y = 10 cm 5

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102. (b) Let the distance between college   n  Now, finally Vikas sold it for Rs. 1188,   − b   and Rohit home = x km Quantity of liquid left = 1a   a   at a profit of 10% Then, by given condition, So, sale price = x x 10 + 5 Where a is initial content of liquid and − = h x54 + 5940 x54 + 5940 10 40 50 60 b is amount of liquid replaced + × 50 50 100 x5 − x4 15 n ⇒ = 85×73  65.3  x54 + 5940 x54 + 5940 = > 73×1 −  ⇒ 1188 = + 200 60 100  73  50 500 × = 200 15 = 540x + 59400 + x54 + 5940 x 50km  − n ⇒ 1188 = 60 85 >  73 65.3  500   103. (b) Number of questions for team A = 100 73 594x + 65340 ⇒ = 1188 300. Also, number of questions for  n 500 17 > 35.69 team B =90% of 300   + 20  7300  ⇒ (4 148 x5. 16335) = = 90% of 300 1188 500 90 × 300  n ⇒ = = 270 17 >  19  148.5x+16335 = 148500 100 20  20  ⇒ 148.5x = 132165 Now, let the questions attempted per x = Rs. 890 hour by A = x 0.85 > (0.95)n So, Aditi bought the article for Rs. 890. Then, questions attempted per hour by 106. (d) Total number of boys who are B = x + 7 On solving n > 3 enrolled in dancing =182 +70 +104 +78 By using the condition of given in Minimum 4 operations are required. = 434 105. (a) Let Aditi pay for the article = Rs x question, She spent Rs 110 on its repair, so its 107. (e) Required percentage total cost =Rs (x + 110) 270 + = 300 + 156 +182 + 65 3 6 Now, she sold it to Samir at a profit of = ×100 x x + 7 1560 20%. 270 300 = + 3 So, sale price = (x + 110) + (x 403 x x + 7 = ×100 = 83.25 ≈ 26% 1560 20 270 300 + x(3 + )7 +110) × = 100 108. (a) Required number = 70 +65 = 135 x x + 7 270(x+ 7)= (300+3x+21)x ()x + 110 65 = ()x + 110 + 109. (b) Required % = × 100 = 35.71 270x+ 1890 = 321x+ 3x2 5 182 2 3x +51x-1890=0 + + + x2 +17x-630=0 = x5 550 x 110 130 110. (e) Required ratio = = 26 : 77 x2+ 35x-18x-630 =0 5 385 x(x+ 35)-18 (x+ 35)=0  x6 + 660  (x-18) (x+ 35)=0 =Rs.   (111-115) x=18,-35  5  111. (d) During 2008, total number of So, team A attempted 18 questions per Now, Samir sold it to Vikas at a loss of candidates selected as Income Tax h. (... Negative value of x is not 10% Inspector = 650 So, sale price = permitted) Number of candidates from SC  x +   x +  85 × 73  6 660  −  6 660 × 10 category selected as Income Tax 104. (b) 85% of 73 L of wine =  5   5  100 100 12 Inspector = 650 × = 78 Now, let the process is repeated n x6 + 660 x6 + 660 100 = − times. 5 50 During 2009, total number of x6 + 6600 − x6 − 660 candidates selected as Income Tax  n  85×73  65.3  = Inspector = 250 > 731 −   50 Then, 100   73     x5 + 5940 =Rs. 50

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Number of candidates from SC Clearly, in the year 2008 the number (116 – 120) of OBC candidates selected as Excise category selected as Income Tax 2 2 2 Inspector is the minimum. 116. (a)The series is 17 – 8, 15 – 7, 13 – 14 113. (e) Number of General candidates 6, ...... Inspector = 250 × = 35 117. (b)The series is 103 – 102, 93 + 92, 83 – 100 selected as Custom Inspector in 2008 82, 73 +72, ...... 2 2 2 During 2010, total number of 52 118. (b)The series is 7 +8, 8 +9, 9 = 700 × = (52× 7) +10,...... candidates selected as Income Tax 100 119. (a) The series is difference two times. 15 Number of ST candidates selected as 120. (b)The series is difference two times. Inspector= 550 × = 82.5 100 Custom Inspector in 2008 (121-125) During 2011, total number of 7 121. (e) I. x2 – 6 x3 – 48 = 0 candidates selected as Income Tax = 700 × = 7( × )7 Inspector = 800 100 Or, (x +2) (x – 8) =0 Number of candidates from SC × × Required ratio = (52 7) : (7 7) x= -2 3 , 8 3 category selected as Income Tax = 52 : 7 II. y2 - y2 -24 = 0 12 114. (a) Number of OBC candidates selected Inspector = 800 × = 96 100 during 2008 to 2012 for the post of Or, (y + 3 2 ) (y – 4 2 ) = 0 Income Tax Inspector During 2012, the number of candidates y = -3 2 , 4 2 from SC category selected as Income 28 36 30 = 650× +250× +550× Hence, relation cannot not be 16 100 100 100 Tax Inspector = = 600 × = 96 established. 100 22 24 + 800 × + 600 × 122. (e) I. x2 – 11x +24 = 0 Clearly, in the years 2011 and 2012 the 100 100 Or, (x – 3)(x – 8) = 0 number of SC candidates selected as = 182 + 90 + 165 + 176 + 144 = 757 Income Tax Inspector is the maximum. Number of General candidates selected x = 3, 8 112. (c) In 2008, the number of OBC during 2008 to 2012 for the post of 2 2 Custom Inspector II.y – 7y +12 = 0 candidates selected as Excise Inspector = 364 + 312 + 161 + 406 + 385 = 1628 Or, (y – 3)(y – 4) = 0 36 Number of OBC candidates selected = 400 × = 144 y = 4, 3 100 during 2008 – 12 for the post of Income Tax Inspector is = 46.49 percent of the Hence, relationship cannot be In 2009, the number of OBC candidates General candidates selected during determined. selected as Excise Inspector = 2008 -12 for the post of Custom Inspector. 123. (d) I. 12x2 – 17x +6 = 0 36 750 × = 270 100 115. (b) Number of Income Tax Inspectors Or, (3x – 2) (4x -3) =0 In 2010, the number of OBC candidates from SC category in 2009 2 3 x = , selected as Excise Inspector 14 3 4 = 250 × = 35 100 II. 20y2 – 31y +12 = 0 26 = 750 × = 195 100 Number of Custom Inspectors from Or, (5y – 4) (4y – 3) = 0 In 2011, the number of OBC candidates 38 4 3 OBC category in 2010 = 350 × = y = , 100 selected as Excise Inspector 5 4 133 Hence, x ≤ y × 28 = 600 = 168 Number of Excise Inspectors from ST 124. (e) relation cannot be determined. 100 125. (e) relation cannot be determined. In 2012, the number of OBC candidates 6 category in 2011 = 600 × = 36 (126-130) 100 selected as Excise Inspector= 126. (c) = Required ratio = 35 : 133 : 36 ? 930 25. × 18 850 = 153 45×180 100 + 1482 25. − + 5.46 100

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π =30.5 +38.5 - 45 × 1.8 + 46.5 133. (a) Increase in cost of flooring = 11( - 1 2 (10W +3M) = M can do the work 1 8 9 ) = Rs 186709.28 150 =115.5 – 81 = 34.5 Initially cost of flooring = 11 × 89 × 89 = Rs 87131 1 21 7 ? = 34.5 × 34.5 = 1190.25 in = × = days Percentage increase = 214.28% 150 2 100 × 79 790 + 1 × 675 134. (e) Total cost of fencing and flooring 127. (a) ? = = 624.1 + 65 100 3 5.0 of triangular field work done by 10 women in (?) 100   450 = 1074.1 1 × × × =  78 24 12 +  2  days. )12( 8.1 ÷ )12( 6.0 × )12.0( 8.0 2 8 women – 1 work - 25 days 128.(d) ? = × 10 4.0 (78+24+81.6) 9= Rs. 12884.4 65 Total cost of fencing and flooring of 10 women - work in 12 2.1 ×12 8.0 100 = 4.0 × 6.1 rectangular field = 10 10 × 8 × 65 7050 × 14+2 × (94+75)10.5 = Rs. 25 = 13 days 10 100 1 2  2 2 12 2 102249 = =   = ()2.1 = 1.2 139. (d) Let the sum invested in scheme A 102 10  135. (a) Sum of cost of flooring of all the be Rs x. 174 × 445 9× 167 fields = 11232 + 98700 + 87131 + Then the amount invested in scheme B 129. (b) ? = + + 39 = 100 100 45000 +14437.5 =Rs. 256500.5 = Rs 16000 – x − × × 774.3 +15.03 + 39 = 828.33 136. (e) Side of square = = 23.81 x× 5× 3 (16000 3)x 8 567 Now, + = 130. (e) ? = (19+26 +5 – 9) 100 100 Length of rectangle = 23.81 + 4 = 27.81   3480 1 + 2 − 1 + 1 13 Breadth of rectangle = 23.81 – 4 = +   =41  7 3 3 7  21 Or, 15x + 384000 – 24x = 3480 100 19.81m (131 – 135) Or, 9x = 384000 – 348000 = 36000 2 Area of rectangle = 27.81 × 19.81 = 131. (c) Breadth of rectangular plot 36000 550.91 = 551 m (approx) x = = Rs 4000 9 7050 137. (c) Let the cost price of A be Rs x. = = 75 m 140. (e) Let the original radius be r. 94 then, the cost price of B will be 1.2x Perimeter = 2(94 + 75) = 338m and the cost price of C will be Then, new radius = r 1.2x× 1.10 = 1.32x Cost of fencing = 338 × 10.5 = Rs 3549 Again, let the height be h. Then, the cost price of D = x × 1.2 × 110 × 1.10 + 116 = Rs 1.32x + 116 h 60 = h2 Radius of plot T = ×7 = 17.5 m Then new height = h – 44 Now, 1.32x + 116 - x = 500 100 5 π 2 22 Or. 0.32x = 500 – 116 = 384 Actual volume = r h Cost of flooring = 15 × 17.5 × 17.5 7 384 New volume x = × 100 = Rs 1200 = Rs. 14437.5 32  2 π 2 ×π 3r × 2h = 18 hr 3549 Bs cost price = 1200 × 1.2 = Rs 1440 =   Reqd. % = × 100 = 24.58%  2  5 20 14437 5. Hence, B paid to A Rs 1440 1 18 π 2 π 2 132. (d) Cost of flooring = × 782412 = 138. (b) Ratio of men to women (15 × 10)M hr-hr 2 % change = 20 × 100 = =(25 × 8 )W π 2 hr Rs. 11232 Or, 150 M = 200 W 10% decrease Hypotenuse of this right angled Or, 3M = 4W (141-144) triangular field = 2 + 2 =81.6 Concepts for words arrangement:- There 78 24 3 (approx) W = M are total six words in which three words 4 Cost of fencing = 9 × (78 +24 +81.6) start from vowel letter while other three words start from consonant letter. The = Rs 1652.4 1 1 mans work = words which start from vowel arrange first Reqd. difference = Rs 9579.6 150

73 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 alphabetically from left to right. And then 155. b (172-173) words which start from consonant arrange 156. d ; As the position of S has not clearly 172. e; Clearly, prevention from mosquitoes from left to right alphabetically. given with respect to C so answer will and elimination of mosquitoes are two → Number arrangement There are three be cant say. ways to prevent malaria. So, both the odd number and three even number. Odd (157-160) courses follow. numbers are arranged in first three steps in 173. b; In the break-out of a natural calamity, ascending order. And then even number are the basic duty of the government arranged from left to right in ascending order. becomes to provide the basic amenities 141. a 142. d 143. d 144. a essential to save the lives of people (145-147) 145. d and cattle. Providing financial 157. a 158. b 159. a 160. a assistance to all would put undue (161-163) burden on the countrys resources. So, In these questions we are applying following only II follows. concept:- (174-177) 146. e People Designation Place Specialisation 147. c Amit Executive Kanpur Finance Bharat Executive -- HRM Dinesh -- Bangalore -- / Kolkata Firoz -- Bangalore/ -- Kolkata Gaurav Executive Chennai Administration Jack Executive -- Marketing (148-152) 161. a 162. a 163. d Keshav Executive Delhi System (164-168) Floor Person Sports 174. a 175. d 176. c 177. b 8 E Race (178-180) 7 A Badminton 178. c; From I : A is shorter than only E, this 6 H Tennis means that A is taller than all B C and 5 D Cricket D, so E is tallest. 4 B Football From II : B only taller than D, so D is 3 G Boxing shortest, and B is second shortest, 2 C Volleyball Now E taller than A and C both, So 1 F Hockey 164. c 165. d 166. a 167. a tallest of all. 148. b 149. a 150. d 151. a 168. a 179. d; From I : No relation between points 152. c (169-171) A and B (153-154) 169. e; The performance of the individual From II : In this since we dont know 153. d has to be tested over a span of time as the angles between sides of triangle the statement mentions. So, I is forming with points ABD and ABC, implicit. The statement mentions that AB cannot be determined. the individuals worth shall be 180. d; Either statement cant give the answer. reviewed (during probation period) From both statements we get the before confirmation. So, II is also relationship as Preeti is Neerajs sister implicit. but it cannot be clearly said that 154. b 170. a; Since the statement talks of putting the child in school at the age of 5, it Shubham and Meenal are Preetis means that the child is mentally children or not and Shivani is Neerajs prepared for the same at this age. So, I daughter, because there can be other is implicit. But nothing about admission siblings of Neeraj and Preeti also. (155-156) after 6 years of age is mentioned in the 181. a 182. d 183. a 184. d statement. So, II is not implicit. 185. b 186. b 187. d 188. c 171. b; Assumption I goes against the 189. c 190. a statement. So, it is not implicit. The allowance will serve as a reward to the ♦♦♦♦ employees and shall provoke them to come on time. So, II is implicit

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ENGLISH LANGUAGE their presence from dung and semi- cells which are able to activate chewed bamboo stalks scattered these brakes and defaulting the Direction (1-5): There are sets of four on the forest floor should be first immunotherapy treatment in statements in question given below counted upon directly which is effect disables the brakes, enabling which when connected using the correct also very difficult as they are hard white blood cells to attack the sentence structure forms a complete to find and are low number of this tumors. single sentence without altering the species left as they have been (c) Greater than excitement being meaning of the sentences given in the ravaging a mix of hunting and reserved for immunotherapy who question. There are four options given habitat destruction. have a new approach that has below the question, choose the sentence (d) As pandas are famously shy, the emerged in the past few years has that forms the correct formation of single surveyors must infer their made the human immune system sentence which is both grammatically presence from dung and semi- equipped with a set of brakes correct and contextually meaningful. If chewed bamboo stalks scattered being the cancer cells are able to none follows, choose (e) as your answer. on the forest floor rather than activate these brakes for counting them directly which is commuting with the first 1. Pandas are famously shy; the surveyors also very difficult as they are hard immunotherapy treatment in should not counting them directly; to find because of low number of effect disables the brakes, enabling surveyors must infer their presence this species left as they have been white blood cells to attack the from dung and semi-chewed bamboo ravaged due to a mix of hunting tumors. stalks scattered on the forest floor; but and habitat destruction. (d) Although the greatest excitement they are also hard to find because there (e) None of the above is correct is reserved for immunotherapy for are not many left; a mix of hunting and 2. Greatest excitement is reserved for discovering a new approach which habitat destruction has ravaged the immunotherapy; a new approach that has emerged in the past few years species. has emerged in the past few years has has made the human immune (a) Regardless of pandas being made the human immune system system equipped with a set of famously shy, the surveyors equipped with a set of brakes; cancer brakes therefore the cancer cells should not be counting them cells are able to activate these brakes; are able to activate these brakes directly and must infer their the first immunotherapy treatment in along with the first presence from dung and semi- effect disables the brakes, enabling immunotherapy treatment in chewed bamboo stalks scattered white blood cells to attack the tumors. effect disables the brakes, enabling on the forest floor along with them (a) The greatest excitement is white blood cells to attack the being hard to find because there reserved for immunotherapy as a tumors. are not many left considering a mix new approach that has emerged (e) None of the above is correct of hunting and habitat destruction in the past few years has made 3. Samsung is said to be unhappy; its two has ravaged the species. the human immune system leading retail chains are promoting rival (b) Considering that pandas are equipped with a set of brakes that Xiaomis smartphones with store-front famously shy the surveyors have cancer cells are able to activate, signage; they are also doing in-store to count them directly so they but the first immunotherapy branding; also the battling with the infer their presence from dung and treatment in effect disables the Chinese company for control of the semi-chewed bamboo stalks brakes, enabling white blood cells retail channel has intensified. scattered on the forest floor to attack the tumors. (a) It is important to consider that because they are hard to find for (b) A great excitement is reserved for Samsung is unhappy due to its not being left much due to a mix immunotherapy as per a new two leading retail chains which are of hunting and habitat destruction approach that has emerged in the said to be promoting rival Xiaomis has ravaged the species. past few years has made the smartphones with store-front (c) Pandas are famously shy and thus human immune system equipped signage despite of in-store the surveyors are inferring that with a set of brakes and cancer branding and are facing a battle

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with the Chinese company for by happenings around us, being it 6. Over 60 people were killed in a fire that control of the retail channel being uncontrollable. broke in at Chandni Chowk market on intensified. (e) None of the above is correct Monday. (b) Samsung is said to be unhappy 5. The Italian economy is experiencing an i. broke out with two of its leading retail chains unexpectedly strong recovery; the ii. broke from for promoting rival Xiaomis latest good news came on September iii. broke with smartphones with store-front 12th; the released figures showed that (a) Both i and ii signage and in-store branding as the national unemployment rate had (b) Only I its battle with the Chinese fallen 0.4 percentage points during the (c) Both ii and iii company for control of the retail second quarter; it fell down to 11.2%. (d) All i, ii and iii channel intensifies. (a) The Italian economy is (e) No improvement (c) Samsung is said to be unhappy experiencing an unexpectedly 7. The West Bengal state government for its two leading retail chains are strong recovery as suggested by recently passed order to convert promoting rival Xiaomis the latest good news which came schools into asylums. smartphones only with store- on September 12th with the i. passed an front signage and in-store branding release of figures showing that the ii. passed a which has led to a battle with the national unemployment rate had iii. pass the Chinese company for control of fallen 0.4 percentage points during (a) Only I (b) Both i and iii the retail channel intensifies. the second quarter to 11.2%. (c) Only iii (d) Both i and ii (d) The reason for Samsung being (b) The new phase in the Italian (e) No improvement unhappy are the two of its leading economy is experiencing an 8. It was only a matter of time before the retail chains which are promoting unexpectedly strong recovery and mob spiral of control. rival Xiaomis smartphones with has given the latest good news on i. spiraling store-front signage along with in- September 12th which tells that ii. spiraled out store branding and battle with the the released figures show the iii. spiraled in Chinese company for control of national unemployment rate had (a) Both ii and iii the retail channel intensifies. fallen 0.4 percentage points during (b) Only iii (e) None of the above is correct the second quarter and will fall (c) Only ii 4. Have you ever wondered why we feel more to 11.2%. (d) Both i and iii great in one minute?; Why we feel (c) Despite the Italian economy (e) No improvement unhappy in the very next one?; Why experiencing an unexpectedly 9. Quite a few hotels has applied for fire do we get affected by happenings strong recovery, the latest good safety certificates after a government around us?; the happenings which are news which came on September induced crackdown. uncontrollable affect us more. 12th misinterpreted the released i. has apply (a) Have you ever wondered why we figures which showed that the ii. have applied feel great in one minute in-spite national unemployment rate had iii. applied of felling unhappy in the very next fallen 0.4 percentage points during (a) Both B and C one, along with why we get the second quarter from the (b) Only A affected by happenings around us previous 11.2%. (c) Both A and C majorly with uncontrollable (d) As the Italian economy is (d) Only B happenings. experiencing an unexpectedly (e) No improvement (b) In-spite of wondering why we feel strong recovery, the latest good 10. The Delhi Health Service has intensify great in one minute we wonder news which came on September dengue precautionary measures in why we feel unhappy in the very 12th released figures showing that South Delhi area. next one, which is affected by the national unemployment rate i. has intensified happenings around us which are had fallen 0.4 percentage points ii. has been intensified uncontrollable. during the second quarter and will iii. have been intensify (c) Have you ever wondered why we fall down to 11.2%. (a) Both A and B feel great in one minute and (e) None of the above is correct (b) Both B and C unhappy in the very next one or (c) Only C Direction (6-15): In the following why we get affected by (d) Only A sentence, a part of the sentence is happenings around us, specially (e) No improvement underlined. Below are given alternatives the ones which are 11. Surya and his friend were arrested at to the underlined part which may uncontrollable. Wednesday for trying to smuggle improve the sentence. Choose the correct (d) Have you been wondered why we drugs. alternative. In case no improvement is feel great in one minute and why i. on needed, choose the alternative that we feel unhappy in the very next ii. for indicates No improvement. one or why we have to be affected iii. in

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(a) Only A (b) Both B and C of the relative uncertainty that has middle ground in several other countries in (c) Only C (d) Only A and C characterized Spain since the 2016 general southern Europe. Yet, political parties (e) No improvement election. Prime Minister Mariano Rajoy, should not lower their vigil against anti- 12. The Lok Sabha was adjourned briefly who had held office since 2011, was voted immigrant and anti-European Union forces on Tuesday as the Speaker fell ill. out after top functionaries of his Peoples trying to gain a foothold. Rising above i. adjourn brief Party were convicted for operating a slush narrow party interests to promote the ii. adjourned fund during Spains construction boom in common good will be the challenge before iii. briefly the last decade. The judicial verdict centre- Spains mainstream politicians. (a) Only A (b) Both A and C staged Pedro Sánchez, the Socialist Party 16. What is meant by “wobbly”? (c) Only C (d) Only B and C chief who masterminded the no-confidence 1) tending to move unsteadily from (e) No improvement motion against thegovernment. Ironically, side to side 13. As livelihoods continue to suffer over Mr. Rajoy had managed to form a minority 2) not strong, confident, or certain the ruling partys decision to ban cow coalition in October 2016 only after Mr. 3) the removal of someone from an slaughter, there has been a consistent Sánchezs failed bid for premiership and official position increase in the partys vote bank. ouster as party leader, breaking a prolonged (a) both 1 and 2 i. suffer in political deadlock and averting a third general (b) both 2 and 3 ii. suffer from election in the space of a year. But in a (c) both 1 and 3 iii. suffering remarkable comeback, Mr. Sánchez reclaimed (d) only 1 (a) Only A his partys leadership in May 2017 and has (e) only 2 (b) Both A and B now emerged as Spains Prime Minister after 17. What is meant by “No-confidence (c) Only B and C leading the Socialists to consecutive election motion”? (d) Only B defeats in 2015 and 2016. His biggest (a) A voting process in which people (e) No improvement challenge is to work with the Catalan show that they do not support a 14. The Grande has 16 outlets and is plan to separatists, whose demands for statehood person or group in power open up 14 more. have long united the countrys conservatives (b) to replace someone in an important i. is planning and Socialists in their opposition to the idea, or powerful job or position ii. was planning seeing it as a threat to Spanish nationhood. (c) a nervous feeling that you have iii. had been planning Madrid had imposed direct rule over because you think bad things (a) Both A and B Catalonia last year after it declared itself might happen (b) Both B and C independent. Now, a new Catalan (d) a situation in which neither person (c) Both A and C government has been formed under Quim or group involved in a (d) Only A Torra, who too is insistent on pushing for disagreement is willing tochange (e) No improvement independence. No less of a complication for their opinions or position 15. Studies show that individuals who Mr. Sánchez would be working with (e) saying very firmly that something smoke are worse at family planning Podemos, the far-left anti-austerity party must happen or that something is than non-smokers. that has sought to capitalize on the eroding true i. plan base of the Socialists to project itself as the 18. What is the opposite meaning of the ii. planned more credible progressive platform in word “Erode”? iii. had been planning Spanish politics. (a) gnaw (b) gnaw at (a) Only A Paragraph 2 : Moreover, given the slender (c) wear away (d) neglect (b) Only B support his disparate new coalition (e) destroy (c) Both A and B commands in Parliament, Mr. Sánchez has 19. What is the opposite meaning of the (d) All A, B and C little room for maneuver in terms of either word “vigil”? (e) No improvement economic or political policy ahead of the scheduled 2020 elections. A ray of hope amid (a) patrol (b) surveillance Directions (16-20): Read the following this prevailing sense of instability is Spains (c) eagle eye (d) indifference passage carefully and answer the steady recovery from the deep recession (e) attention questions given below them. Certain triggered by the banking and housing crisis 20. Which of the following is true regarding words/phrases have been printed in bold earlier this decade. The countrys double- the passage to help you locate them while answering digit unemployment figures are way above 1) The changeover represents some of the questions. the Eurozone average. But the current continuity of the relative Paragraph 1 : Spains conservative-led healthy rate of growth in per capita gross uncertainty that has characterized minority government, which fell on Friday, domestic product is projected to persist Spain since the 2016 general has been swiftly succeeded by a wobbly over the coming years, according to an election minority government led by the Socialists. International Monetary Fund forecast. This 2) Prime Minister Mariano Rajoy, It counts on support from, among others, positive trend possibly explains the state who had held office since 2011, Catalan and the extreme left parties. In this of overall political equilibrium in Spain, as was voted out after top sense, the changeover represents continuity compared with the hollowing out of the functionaries of his Peoples

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Party were convicted for operating 23. Which of the following is ought to count toward the tally in a slush fund during Spains the THIRD sentence in the above some measure. construction boom in the last rearrangement? (iii) Because killing a clansman is a decade (a) B (b) C crime against the earth goddess, 3) The judicial verdict centrestaged (c) E (d) F Okonkwo must take his family Pedro Sánchez, the Socialist Party (e) A into exile for seven years in order chief who masterminded the no- 24. Which of the following is to ______. confidence motion against the the FOURTH sentence in the above (a) countervail government rearrangement? (b) reconcile (a) Only A (b) Only B (a) B (b) D (c) offset (c) Only C (d) Both A and B (c) E (d) C (d) atone (e) All are true (e) A (e) None of these 25. Which of the following is 28. (i) In other historical circumstances, Directions (21-25): Rearrange the the LAST sentence in the above the Chinese national bourgeoisie following five sentences (a), (b), (c), (d), rearrangement? will ______and defect (e) (F) and (G) in the proper sequence to (a) B (b) D because of its economic and form a meaningful paragraph and then (c) E (d) C political flabbiness. answer the questions given below. (e) A (ii) Although the atmosphere was A. That begins with bringing in data stable overall, it was sensitive to and analytics-based insights about Direction (26-30): In the following perturbations which caused it whatreally matters to sentences, there is a blank space, to ______easily. customers and how best to deliver followed by some choices of words given (iii) They ______between it to them in options. You have to determine which options as diverse as architecture B. To not only stay in the game but of these words fits well in all making and dog training, surgery and capture new sources of value, them meaningful and grammatically singing. incumbentswill need to reinvent correct. Word can be modified according (a) hesitate (b) vacillate their customer experience to the tense of the sentence keeping the (c) sway (d) teeter C. Some companies fail to capture meaning of root word intact. If none of (e) None of these the full benefits of their these words fit well, mark your answer 29. (i) When you had impression of a improvement effortsbecause they as (e) “None of these”. lily-white , you can allow facial concentrate on optimizing expression above cheer ____. 26. (i) The popularity of each of the individual touch points rather (ii) Pearl, looking at this bright various Java IDEs has tended to thantackling the customer wonder of a house, began wax and______in the race experience as customers actually to ______and dance, and to provide new features, improve experience it a completejourney imperatively required that the performance, and become easier that cuts across multiple whole breadth of sunshine should to use. functions and channels be stripped off its front, and given (ii) The good news is that the disorder D. Digital is reshaping customer her to play with. may be on the ______, with experience in almost every sector (iii) Pitts Fight Club physique was the Apiary Inspectors of America E. disrupting the ways that put to good use in Guy Ritchies reporting that deaths from CCD companies and customers interact 2001 crime ______Snatch, are below 30% for the first time and setting ahigh bar for in which he played, of all things, since the crisis began. simplicity, personalization and an Irish gypsy bare-knuckle boxer. (iii) India has its own great-power interactivity (a) enjoy (b) dance ambitions and Japan is concerned F. Digital-first attackers are entering (c) caper (d) hop that “its influence in the region markets with radically new offers, (e) None of these will ______,” Mr. Ho 30. (i) Free riders may 21. Which of the following is explains. be ______because their the FIRST sentence in the above (a) wane (b) dwindle colleagues can easily detect rearrangement? (c) ebb (d) hike uncooperative attitudes to (a) B (b) D (e) None of these the company. (c) E (d) C 27. (i) The rich are not to give more than (ii) She was afraid that if she spoke (e) A a half shekel and the poor are not up her colleagues 22. Which of the following is to give less when you would ______her. the SECOND sentence in the above make the offering to the Lord (iii) He had committed crimes so rearrangement? to ______for your lives. appalling that even other (a) B (b) D (ii) If there was any way prisoners ______him. (c) F (d) C to ______for my sins, this (e) A

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(a) divide (b)separate the female newspaper readers from 43. What is the approximate average profit (c) expel (d) disjunction City C? earned by Company C in all the years (e) None of these a)80% b)75% together? c)60% d)50% a)Rs 15 lakh QUANTITATIVE APTITUDE e)45% b)Rs 6 lakh c)Rs 12.5 lakh Directions (Q.31-35): There are 9 lakh Direction (Q.36 – 40): What will come d)Rs 8.75 lakh newspaper readers from six cities in place of question mark? e)Rs 10.6 lakh together. The following pie-chart shows 44. What is the percentage decrease in the the distribution of these readers among 36. 2 ×3 3 ×5 ×9 3 =? profit of Company A in the year 2013 these cities and the table shows the ratio 2 2 from the previous year? of male readers to female readers and a)1874 b)1340 a)8.25% b)7.14% the ratio of Hindi readers to English c)1620 d)2140 c)6.75% d)10.5% readers. e)None of these 37. 36%of945–26%of765 +17.7=? e)8.75% a)159 b)143 45. The average profit of the three c)167 d)187 companies can be put in which of the e)None of these following orders? 38. 4567÷368×(650)1/2 =? a)A > B > C b)A > C > B a)316.46 b)320.67 c)C > B > A d)C > A > B c)318.43 d)314.78 e)None of these e)None of these 2 Direction (Q.46 – 50): What will come 39. 299÷12×13.95+?=25 in place of question mark in the a)277.77 b)270.26 following series? City Males : Hindi : c)287.35 d)275.22 Females English e)None of these 46. 86, 577, 541, 460, 316,? A 11 : 4 7 : 2 40. 3((2116)1/2 –16))+(62 –3) 2 =? B 4 : 3 13 : 8 a)147 b)91 C 7 : 5 2 : 1 a)968 b)1179 c)172 d)27 D 11 : 7 5 : 4 c)867 d)1289 e) 235 E 7 : 3 7 : 2 F 7 : 5 5 : 3 e)None of these 47. 15 44 121 342 ? 2944 a)976 b)995 Directions (Q. Nos. 41-45): Study the 31. What is the average number of female c)973 d)978 graph carefully to answer the questions readers from all six cities together? e)None of these that follow : a)51000 b)53000 48. 2 12 36 80 150 ? Profit (in lakh) made by three companies c)55000 d)57000 a)270 b)275 over the years. e)59000 c)260 d)252 32. What is the difference between the total d)None of these Hindi newspaper readers and English 49. 139,142,133,160,79,? newspaper readers? a)326 b)322 a)2.72 lakh b)2.75 lakh c)331 d)340 c)2.78 lakh d)2.8 lakh e)355 e)2.84 lakh 50. 11, 13, 16, 33, 96, ? 33. The total number of male newspaper a)358 b)354 readers from City F is approximately c)386 d)366 what percentage of the total number of e)353 English newspaper readers from City 51. 5 litres of water is added to a certain 41. The profit earned by Company A in the B? quantity of pure milk costing Rs 3 per year 2010 was approximately what a)125% b)150% liters. If by selling the mixture at the percent of the total profit by all three c)175% d)200% same price as before, a profit of 20% is companies in that year? e)None of these made, then what is the amount of pure a)15% b)18% 34. What is the ratio of female newspaper milk in the mixture? c)21% d)25% readers from City D to Hindi a) 20 litres b) 30 litres e)36% newspaper readers from City A? c) 25 litres d) 35 litres 42. If the income of company A in the year a)2 : 3 b)3 : 4 e) 28 litres c)2 : 5 d)3 : 5 2013 was Rs 2354300, what was its e)4 : 5 expenditure in that year? Directions (Q. 52-56): Study the 35. Female newspaper readers from City B a)Rs 1805600 b)Rs 1506700 following table carefully and answer the is what percentage more or less than c)Rs 1800000 d)Rs 1704300 questions given below. e)None of these

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58. Find the selling price of goods if two expenditure of Y. What is the salary of The Annual Income of 6 Persons over the years (in lakh) salesmen claim to make 25% profits Y? Years Persons each, one calculating it on cost price a)9000 b)7000 Harish Indira Jasmeet Kiran Lalita Manish 2001 1.44 1.45 2.00 1.68 1.80 2.50 while another on the selling price, the c)12000 d)15000 2002 1.50 1.56 2.12 1.74 1.92 2.61 difference in the profits earned being e)None of these 2003 1.56 1.64 2.25 1.92 2.00 2.68 Rs 100 and selling price being the same 65. A pipe can fill a tank in 5hours, but due 2004 1.62 1.70 2.30 2.00 2.11 2.73 in both the cases. to a leakage it took 7hours to fill the 2005 1.68 1.84 2.33 2.05 2.18 2.80 2006 1.73 1.95 2.40 2.17 2.20 2.85 a) Rs 2000 b) Rs 1600 tank. If the tank is full, in what time c) Rs 2400 d) Rs 2500 will the tank become empty due to 52. In the year 2002 who amongst the given e) Rs 2050 leakage ? people got the highest increase (in 59. A man can swim 36 m/min in still water a)15.30hrs b)17.50hrs percentage) in their annual salary from swims 120 m against the current and c)16hrs d)12.30hrs the previous year? 120 m with the current. If the sum of e)None of these a)Manish b)Harish those two times is 12 min, what is the c)Lalita d)Indira speed of the current? REASONING ABILITY a) 20 m/min b) 24 m/min e)Kiran Directions (66-70): Study the following c) 29 m/min d) 22 m/min 53. What is the approximate percent increase information carefully and answer the e) None of these in the annual income of Kiran in the questions below. year 2004 from that of the previous 60. A basket contains 6 red, 5 green and 8 Eight Students A, B, C, D, M, N, O and P year? blue balls. If four balls are picked at are sitting in a straight line but not a)5.5 b)6 random, what is the probability that necessarily in the same order. Some of them c)4 d)7 all four of them are either red or any are facing north while some are facing south e)2.5 two out of the four are green? and not more than two adjacent students 54. What is the approximate average annual a) 5/1292 b) 925/3876 face the same direction. All of them got income of Harish over the given years? c) 359/1938 d) 11/3876 different marks in an examination i.e. 400, a)Rs 1.622 lakh e) None of these 371, 525, 325, 153, 424, 225 and 261 but b)Rs 1.88 lakh 61. A train covers a distance in 50 minutes, not necessarily in the same order. They all c)Rs 2.588 lakh if it runs at a speed of 48kmph on an have different heights but not necessarily in d)Rs 1.562 lakh average. Find the speed at which the the same order. e)Rs 1.588 lakh train must run to reduce the time of Note: - The one who got highest marks is 55. The average annual income earned by journey to 40 minutes. the tallest among them. Indira over the given years is a)50 km/hr b)60 km/hr C got 225 marks and he is the 5th tallest approximately what percent of the c)65 km/hr d)70 km/hr Student. A is taller than N and B but shorter average income earned by Jasmeet over e) None of these than P and M. The immediate neighbour of the given years? 62. 4 years ago ,the average age of a family P faces opposite directions. B sits one of a)10.15 b)75.50 of 6member was 20 years. A baby the extreme end and does not get 325 in the c)13.44 d)24.50 having been born, the average age of exam. Only three students are taller than O. e)71.25 the family is same today. The present The students sitting on the extreme ends 56. What is the respective ratio of the annual age of the baby faces opposite directions. P got an odd income of Indira and Manish in the year a)1 b)3 palindromic number and sits 3rd to the right 2005? c)2 d)4 of B. C sits 3rd to the left of A, who is an a)23 : 35 b)23 : 37 e) None of these immediate neighbour of the student who got c)32 : 35 d)43 : 70 63. Nakul and Ram are working on a an Armstrong number and P. A faces south e)33 : 53 production company. Nakul takes 6 direction. D got a palindromic number and 57. A, B and C started a business in a hours to make 32 products, while Ram sits immediate right of C. N got 261 marks partnership with investment of Rs takes 5 hours to make 40 products. sits immediate left of M, who got an 12000, Rs 26000 and Rs 32000 How much time will they take, Armstrong number and N is taller than B. D respectively. After 4 months A leaves. working together to make 110 is third smallest student. N does not faces After 6 months B leaves and A joins products? south direction. O got the lowest number is with an amount equal to his earlier a)8 hours the exam. O and D faces the same direction investment. After 10 months, C leaves b)8 hours 15 minutes as N. D sits 3rd to the right of P. C faces and B joins with his prior investment. c)9 hours south direction. M faces south direction. At the end of the year they earn a profit d)8 hours 25 minutes of Rs 53622. Find the share of B in the e)9 hours 15 minutes 66. Who among them got 371 marks in the annual profit. 64. The ratio of income of X and Y is 4:3. exam? a) Rs 17221 b) Rs 17212 The sum of their expenditure is a) M b) N c) Rs 17222 d) Rs 18212 Rs.12,000 and the amount of savings c) B d) D e) Rs 24212 is X is equal to the amount of e) A

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67. The one, who sits immediate right of P 75. How N is related to K? d) Kathak was performed on Friday got how many marks in the exam? a) Brother-in-law e) None of these a) 525 b) 371 b) Cousin 79. How is V related to Z? c) 325 d) 225 c) Son-in-law a) Father e) None of the above d) Sister b) Son 68. How many students faces south e) Brother c) Maternal Uncle direction? 76. How many daughters N have? d) Paternal Uncle/Aunt a) One a) One e) Brother b) Two b) Three 80. Four of the following five are alike in a c) More than three c) Two certain way and hence they form a d) Data inadequate d) Cannot be determined group. Which one of the following does e) three e) None of these not belong to that group? 69. Who among the following is the 6th tallest a) Sunday b) Wednesday student? Directions (77-81) Study the following c) Thursday d) Friday a) A b) B information carefully and answer the e) Monday c) D d) M questions following it. 81. If all friends are arranged in alphabetical e) N Six friends U, V, W, X, Y and Z performed order from Monday to Sunday. Which 70. If As height is 172 cm then what will be six classical dances from Monday to Sunday of the following find performed dance the possible height of M? at Nirman Vihar, but not necessarily in the on 29th August? a) 170 cm b) 171 cm same order. Each friend performed different a) U b) X c) 168 cm d) 175 cm classical dance i.e. Bharatnatyam, Kathakali, c) V d) W e) 171.5 cm Kathak, Kuchipudi, Odissi, Mohiniyattam e) Z on each different day but one day was rest Directions (71-73): Read the given day. Neither Sunday nor Monday was rest Directions (82-86): Study the following information carefully and answer the day. information carefully and answer the given questions. Kathak was performed after Bharatnatyam questions which follow – B is 25m south of A. C is 10 m east of B. D but not immediately after Bharatnatyam. In a certain code language, some statements is 30m north of C. E is 7m east of D. X is Kuchipudi was performed just before are coded as follow: 18m south of E. M is 12m south of X. C is Odissi. All Six dances were performed in give solution for problem is coded as *N8 7m west of M. the month of August. Xs father performed #R3 %M7 @E4 dance before Sunday. Kathakali was pure fruit sell plants is coded as @T5 71. B is in which direction from point D? performed on 26 th August and %E4 *L4 #S6 a) South b) South-West Mohiniyattam was performed on 31 Pet sensed ghostly farm is coded as c) North-East d) South-East August. Ys grandfather was brother of V. #M4 *D6 @Y7 %T3 spa guards picked e) North U had two sons. Dances were organized in flake is coded as %D6 @S6 #E5 *A3. 72. If point W is 3m to the north of A, then such a way that three dances were performed what is the distance between B and W? 82. Which of the following will be the code in continuous way means there was no leave a) 28m b) 15m for fruit picked teach game? day between three dances. Leave day came c) 21 cm d) 24m a) @T5 %D5 #H4 *E4 just after or just before of only three set of e) 17m b) @T5 %D6 @H5 *E8 dances. Xs father was brother of Ys father. 73. What is distance between B and M c) @T5 #H4 *E4 %D6 W who was uncle of X performed dance on a) 17m b) 15m d) @T5 #H5 *E4 %D6 30th August. V performed dance immediately c) 21m d) 19m e) @T5 #H4 *E4 %D6 before U. Ys cousin performed dance on e) 13m 83. What will be the code for ghostly? Wednesday. X did not perform kuchipudi a) #Y6 b) @Y7 dance. Directions (74-76): Study the following c) %D7 d) *E4 information and answer the given 77. In which of the following days, Y e) %D6 questions. performed dance? 84. Which of the following will be the code • D is daughter of N. E is wife of N. a) Monday b) Wednesday for pure water spa tune? • G is sister of D. C is married to G. c) Saturday d) Sunday a) *A3, %E4, @R5, *E4 b) @R5, *E3, %A4, #E4 • N has no son. K is mother of E. e) Thursday 78. Which the following given statement is c) %A4, #E4, @R4, *E4 • Q is only daughter of C. true? d) %E4, @R4, #E4, *A3 a) Kathak was performed just before e) *A3, %E4, @R5, #E4 74. How Q is related to D? Kuchipudi 85. If solution farm grain seem is coded as a) Daughter b) Cousin b) Kathakali was performed just *N8 %M4 @N5 #M4. Then what is c) Niece d) Sister-in-law before Oddisi code for plants means grain seem? e) Cannot be determined c) First dance was performed on 25th a) #S6, *S5, %M4, #N5 August b) %A4, #E4, @R4, *E4

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c) @N5, #S6, *S5, %M4 90. Statements: b) 9th d) *S5, %M4, #N5, @S6 Some roses are jasmines. c) 7th e) None of these Some jasmines are lilies. d) Cant be determined 86. What will be the code for problem All lilies are marigolds. e) None of these good? All marigolds are sunflowers. 95. Who among the following person stay a) #Y6, #D4 Conclusions: on 5th floor? b) %M7, @D4 I. All lilies are sunflowers. a) S b) U c) @M6, %D4 II. Some jasmines are marigolds. c) No one d) T d) %S7, @D4 91. Statements: e) R e) @D4, %D6 Some flats are Houses. 96. How many persons stay between S and Some houses are bungalows. R? Directions (87-89): Study the following No bungalow is hotel. a) No one b) One information and answer the given All hotels are restaurants. c) Two d) Three questions: Conclusions: e) Four A, B, C, D, E, F, G & H are eight friends are I. No bungalow is restaurant. sitting around a circular table but not II. Some houses are hotels. Directions (97-100): Each of the necessarily in the same order. Some of them questions given below consists of a are facing inside and some of them are facing Directions (92-96): Study the question and two statements numbered outside. A sits third to right of H. There is information carefully and answer the I and II. You have to decide whether the two people sits between H and B. C sits questions given below. data provided in the statements are second to left of B. There is three people Seven friends P, Q, R, S, T, U and V stay on sufficient to answer the question. sits between B and E. D is second to left of 9 floor building ground floor is numbered a) If statement I alone is sufficient F, who is not immediate neighbour of A. one and above the number one is floor number to answer the question, but Immediate neighbours of H faces same 2 and so on. But not necessary in the same statement II by itself is not direction as H. F sits third to left of A, who order. Each one of them likes different colour sufficient to answer the questions. faces centre. The immediate neighbours of viz. Black, Brown, Green, Yellow, Pink, Red b) If statement II by itself is A face opposite to the direction of A. and Grey but not necessary in the same sufficient to answer the question, order. but statement I alone is not 87. Who is sitting third to right of F? There are two floors which are vacant. U sufficient to answer the question. a) C b) B stay on an odd numbered floor but not above c) If statement either I or II is c) A d) E the floor number 6 and likes black colour. sufficient to answer the question. e) D There is a gap of one floor between U and d) If both the statements I and II 88. Who is facing inside? both of the vacant floors. Neither P nor Q is taken together are not sufficient a) AD b) AGH an immediate neighbour of both vacant floors to answer the question. c) AB d) ADC and they does not like Yellow and pink e) If both the statements I and II e) None of these colour. The person who likes Grey colour taken together are sufficient to 89. Who sits opposite to H? stay on the 2nd floor. Q stays on an odd answer the question. a) A b) D numbered floor which is above P. There is c) F d) E one floor between P and R who likes Green 97. What is the code for book in a code e) G colour. There are three floors between P and language? S who does not likes yellow colour. The I. In that language pik tik rik means Directions (90-91): In each of the I like reading and mik nek bek question below are given four statements person who likes brown colour stay on just above V. fek means this book is followed by three conclusions numbered interesting. I & II. You have to take the given 92. Who among the following stay between II. In the same language pik tik mik statements to be true even if they seem vacant floor and U? rik means I like reading book and to be at variance with commonly known a) S mik juk pan means you read facts. Read all the conclusions and then b) T book. decide which of the given conclusions c) R 98. Who is Kavitas sister? logically follows from the given d) Either (a) or (b) I. Sapna is the granddaughter of statements disregarding commonly e) Both (a) and (b) Amit, who is the father of known facts. 93. How many persons stay between P and Kavitas father. a) If only conclusion II is true Q? II. The name of Kavitas sister starts b) If only conclusion I is true a) None b) One with the letter S. c) If both conclusion I and II are true c) Two d) Three 99. Which of the following month does d) If either conclusion I nor II is true e) None of these Pooja birthday? e) If neither conclusion I nor II is 94. Which of the following floor belongs to I. Her brother remembers that her true V? birthday is after March but before a) 8th October.

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II. Her mother remembers that her Option (a) and (d) are incorrect as they birthday is after May but before introduce the unnecessary clause of 342000 Average = = 57000 September. And birthday on that important and r e a s o n , 6 month which has more than 30 while the original set of statements just 32. c; days. states facts. Again, the usage of only Difference 100. What is the rank of Sohan in a class of and which changes the meaning from 12 students? the original sentence completely. 9 5 5 I. Mahesh is fourth from the top. 4. a; All other options except (a) are either = 15( × + 21× + 12 × Sagar is fourth rank below grammatically incorrect or contextually 100 9 21 1 1 5 2 Mahesh. Sohan is either meaningless. Hence (a) is the correct + 18 × + 10 × + 24 × ) immediate above or immediate option which is both grammatically 3 9 9 8 below Sagar. correct and contextually similar to the II. Riti is second from the top and given question. 278 = 9000 × = 278000 = 78.2 lakh Harish is sixth from the bottom. (b) in spite introduces contradiction, 9 is immediate below of Riti. while there is none indicated in the 33. c; Male newspaper readers from City F Sagar is fifth rank below of Meena. original sentence. (c) specially highlights a specific 24 7 =900000 × × = 1.26 lakh ♦♦♦♦ clause, while the original sentence does 100 12 not. English newspaper reader from City EXPLANATIONS (d) ever been wondered is ungrammatical. 21 8 5. a; Among the given options, all sentences, × × 1. d; All other options except (d) are either B= 90000 = 0.72 lakh except (a) are either contextually 100 21 grammatically incorrect or contextually different or grammatically incorrect. meaningless. Hence (d) is the correct × Only sentence (a) forms the correct 26.1 100 option which is both grammatically Reqd. % = = 175% sentence which follows the sentences correct and contextually similar to the 72.0 given in the question both given question. 34. d; Female newspaper readers form City grammatically and contextually. (a) them being hard to find because (b) will fall more to 11.2% is incorrect there are….. is ungrammatical 18 7 as the original sentence states that it D = 900000 × × = 0.63 lakh construction has fallen to 11.2% 100 18 (b) It says that the surveyors have to (c) from the previous 11.2% is Hindi newspaper readers from City A count them directly, which is opposite incorrect as the original sentence states to what the original statement says that it has fallen to 11.2%. Also, 15 7 (c) are inferring that their presence…. = 9 × × = 1.05 lakh despite shows contradiction, which Is ungrammatical construction 100 9 is not the case here. 2. a; All other options except (a) are either (d) will fall more to 11.2% is incorrect 63.0 63 3 grammatically incorrect or contextually = = as the original sentence states that it Ratio = = 3:5 meaningless. Hence (a) is the correct has fallen to 11.2% 05.1 105 5 option which is both grammatically 6. b 7. a 8. c 9. a 35. a; Female readers from City B= correct and contextually similar to the 10. d 11. a 12. e 13. d given question. 21 3 14. d 15. e 16. a 17. a × × (b) It changes the context as it is not 900000 =0.81 lakh 18. d 19. d 20. e 21. b the immunotherapy that is being 100 7 22. c 23. c 24. a 25. d defaulted. Female readers from City C= 900000 26. a 27. d 28. b 29. c (c) It changes the context as there is 30. e; Ostrasize should be the correct usage 12 5 ungrammatical as immunotherapy is × × here to mean the above three statement = 0.45 lakh not a person, hence who shouldnt 100 12 grammatically and contextually correct be used. Again, use of greater than is which means to refuse to let sb. Be a Reqd. % = incorrect. member of a social group. − (d) It shows contrasting information, 81.0 45.0 36.0 ×100 = ×100 = which is not the case here. 31. d; Total number of females 45.0 45.0 3. b; All other options except (b) are either  15 4 21 3 12  80% grammatically incorrect or contextually  × + +×  100 15 100 7 100  meaningless. Hence (b) is the correct =900000× 36. c; 270× 2×3 =1620  5 18 7 10 3 24 5  option which is both grammatically × + × + × + ×  37. a; 340.2 – 198.9 =141.3+17.7 = 159  12 100 18 100 10 100 12 correct and contextually similar to the 38. a; 12.41 × 25.50 = 316.46 given question. =9000 × (4+9+5+7+3+10)=9000 × 38 39. a; 24.92 × 13.95 = 347.634 = 342000 625 – 347.634 = 277.37

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40. b; 3(46-16) + (36-3)3 = 90 + 332 58. a; Let S.P. for each = x Milk 25 5 90+ 1089 = 1179 ∴ = = If profit calculated on C.P. then C.P. = Water 5 1 (41–45) 100 4x ∴Milk = 5×5 = 25 litre x× = 5.5 125 5 41. c; Reqd. % = ×100 ≈ 21% 52. b; % increase in annual salary in 2002 ∴Profit earned while calculating it on 26 50.1 − 44.1 by Harish = ×100 = 4.17% 42. d; Reqd. exp. = 2354300 – 650000 = Rs 44.1 4x 25 x 1704300 cost price = × = 2 − 92.1 5 100 5 43. e; Reqd. avg. = (11+13+9+8+11+12) ÷ ×100 53. c; % increase = = 4.17 If profit calculated on S.P. then profit 6 ≈ Rs 10.6 92.1 = 4% (approx) 25 x 7 − 5.6 54. e; Avg. annual income of Harish = = x× = 44. b; Reqd. % = ×100 ≈ 7.14% 100 4 7  44.1 + 50.1 + 56.1  According to the question, 45. c; Avg. profit of company A = (4 + 5.5 +   + + + 6 +7 +6.5 + 4) ÷ 6 = 33 ÷ 6 = Rs 5.5  62.1 68.1 73.1  53.9 x − x =   = 100 lakh 6 6 4 5   Avg. profit of company B = (6 + 7.5 +   ∴ x = Rs.2000 7 + 8 +5 + 5) ÷ 6= 38.5 ÷ 6 ≈ 6.41 59. b; Let Speed of current = x m/min. lakh = Rs 1.588 lakh 120 120 Avg. profit of company C = 11 + 13 + 55. b; Avg. annual income of Indira ∴ + =12 9 +8 + 11 + 12 ÷ 6 = 64 ÷ 6 = 10.6 36 − x 36 + x  45.1 + 56.1 + 64.1  Hence, C > B > A   2 2  + 70.1 + 84.1 + 95.1  14.10 ⇒ 36 − x =10×72 46. b; Series is − 2 =   = 586 3 577 = 6 6 = Rs 2   ⇒ x = 576 577 − 62 = 541   ⇒ x = 24 m/min 2 1.69 lakh 541− 9 = 460 19 Avg. annual income of Jasmet = 60. b; Total ways = = C4 3876 − 2 = 460 12 316 ⇒ Favorable case, (selecting 4 red or  2 + 12.2 + 25.2  − 2 = 91   any 2 green balls) 316 15  + 30.2 + 33.2 + 40.2  4.13   = 6 +5 ×14 47. b; × − = = C4 C2 C2 15 3 1 44  6  6   = 925 44×3−11 =121   925 × − = = Rs 2.23 lakh Required probability = 121 3 21 342 3876 342×3 − 31 = 995 69.1 61. b; We are having time and speed given, Reqd. % = ×100 = 75.78 48. d; 1³ + 1², 2³ + 2², 3³ + 3², 4³ + 4²… 23.2 so first we will calculate the distance. 49. b; 139 + 3 = 142 = 75.50% (approx) Then we can get new speed for given time and distance. 142 – 9 = 133 56. a; Reqd. Ratio = 1.84 : 2.80 = 184 : 280 Lets solve it. 133 + 27 = 160 = 23 : 35 Time = 50/60 hr = 5/6 hr 160-81=79 57. b; (As profit) : (Bs profit) : (Cs profit) 79+243=322 Speed = 48 mph 50. e; 11 + 1² + 1= 13 = ()12000 × 4 + 12000 × :6 Distance = S × T = 48 × 5/6 = 40 km 13 + 2² – 1= 16 ()26000 × 6 + 26000 × :2 New time will be 40 minutes so, 16 + 4² + 1= 33…….. Time = 40/60 hr = 2/3 hr 51. c; Cost price of mixture = ()32000 ×10 Now we know, Speed = Distance/Time 100 =12000 × :10 26000 × 3× = 5.2 rupee per litre. New speed = 40 3/2 kmph = 60kmph 120 × :8 32000 ×10 62. d; Total age of 6 members (4 years ago) = 15 : 26 : 40 = 20×6 =120 ∴Share of B in total profit = New total age of the family = 26 120 + ()4×6 ⇒120 + 24 = 144 ×53622 = Rs.17,212 15 + 26 + 40 Total age of 7 member (now) = 20×7 =140

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Age of the baby = 144 −140 = 4 (74-76) 91. e 63. b; Number of products made by Nakul 32 16 in 1 hour = = 6 3 (92-96) Number of products made by Ram in 1 Floor Person Colour 40 = 9 Q Red hour = 8 8 P Brown 5 7 V Yellow Number of products made by both in 1 6 R Green 5 Vacant Vacant 16 40 4 S Pink hour = + 8 = 74. c 75. c 76. c 3 3 3 U Black (77-81) 2 T Grey Time taken by both to make 110 1 Vacant Vacant Days Date Dances Friends Monday 25th Bharatnatyam V 3 1 Tuesday 26th Kathakeli U 92. e 93. a 94. c 95. c × = th products = 110 8 hrs. Wednesday 27 Kathak X 40 4 Thursday 28th No play No play 96. a Friday 29th Kuchipudi Z (97-100) 64. a; Xs saving = Expenditure of Y = S Saturday 30th Odissi W Sunday 31st Mohininatyam Y 97. b; From Statement II- it is clear that the 4 x – S + S = 12000 code for Book is “milk”. x = 3000 77. d 78. c 79. d 80. c 98. d; From Statement I and II – We can 81. b = × = clearly say that there is two possible 3x 3 3000 9000 (82-86) case that either Sapna is Kavitas sister − In this code language of Sapna is Kavitas cousin sister. 1 1 7 5 2 1 Symbols – Randomly selected 65. b; − = = = 5 7 35 35 5.17 Numerical values – Number of letters = 17.5 hours Letter – The last letter of the word. (66-70)

66. a 67. c 68. e 69. c Or, 70. d 82. d 83. b 84. e 85. c (71-73) 86. b (87-89)

99. d; From statement I, we can say that 71. b Poojas birthday is either in the month 72. a of July or in August. 100. e; From statement I and II – we can 87. d 88. c 89. b clearly say that Sohans rank is fourth (90-91) from the bottom or ninth from the top. 90. c

73. a ♦♦♦♦

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REASONING ABILITY Direction (Q. 8): Which one set of letters Direction (Q. 14) : In the following when sequentially placed at the gaps in question, two statements are given, Direction (Q. 1): In the following the given letter series shall complete it? followed by two conclusions I and II. You question consists of a pair of word or have to consider the statement to be true number bearing a certain relationship. 8. _ _ babbba _ a _ _ even if it seems to be at variance from From amongst the alternatives. Pick up (a) ababb (b) bbaba commonly known facts. You have to the pair that best illustrates a similar (c) babbb (d) baaab decide which of the given conclusions. If relationship. 9. If + means x, ÷ means –, × means any, follows from the given statement. ÷ and – means +, what will be the value 1. Border : Country of 4 + 11 ÷ 5 – 55 = ? 14. Statement : All philosophers are men. (a) Pen : Cap (a) 94 (b) – 11 Socrates was philosopher. (b) Book : Cover (c) 79 (d) – 6 Conclusion : (c) Handle : Shade 10. If A means +, B means × , C means I. Socrates was a man. (d) Frame : Picture II. Women cannot become – and D means ÷ , then 2. 25 : 625 : : 35 : ? philosophers. ______. (a) 1575 (b) 1205 (a) Only I is valid 12 B 8 C 6 D 2 A 4 = ? (c) 875 (d) 635 (b) Only II is valid (a) 21 (b) 94 3. 342 : 453 : 831 : ? (c) Both are not valid (c) 84 (d) 97 (a) 942 (b) 943 (d) Both are valid 11. In the following question select the (c) 941 (d) 842 15. In a map South-East has been shown as missing number/figure from the given North. North-East has been shown as Direction (Q. 4): In the following responses. West and so on. In this map what will question, four words have been given, West represent? out of which three are alike in some (a) North-East manner and the fourth one is different. (b) South-East Choose out the odd one. (c) South 4. (a) Iron (b) Nickel (a) 3 (b) 4 (d) North-West (c) Cobalt (d) Aluminium (c) 5 (d) 6 16. A is the mother of D and sister of B. B 12. What is the number in place of ? in the has a daughter C who is married to F. Direction (Q.5) : Choose the appropriate following diagram? G is husband of A. How is G related to code from the option for the following D? question 5 4 2 (a) Husband (b) Son 6 9 1 (c) Father (d) Uncle 5. If A = 1, FAT = 27, then FAINT = ? 4 2 8 17. If a mirror is placed on the line XY then (a) 44 (b) 42 240 144 ? which of the answer figures is the right (c) 41 (d) 50 image of the given figure? Direction (Q. 6-7) : A series is given, with (a) 34 (b) 28 one-term missing. Choose the correct (c) 30 (d) 32 alternative from the given ones that will 13. Find the missing number from the given complete the series. responses : 3 5 8 7 6. BCD, DBC, EFG, ___?___, HIJ (a) GEF (b) EGF 4 6 4 6 (c) IJH (d) FEG _5_ _2_ _2_ _3_ 7. 1, 49, 121, ?, 289 58 58 62 ? (a) 529 (b) 169 (a) 124 (b) 126 (c) 329 (d) 225 (c) 122 (d) 128

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Direction (Q. 18): In this question some and D is placed above E, which of the blank to be filled in with an appropriate figure are given on the left side. You are following books will touch the table? word. Select the correct alternative and required to find out which of the four (a) E(b) B mark it as your answer. figures marked (a), (b), (c) or (d) (c) C (d) A represents the composite form of the 24. From the given alternative words, select 28. The governmental efforts spurred figures given on the left side. the word which cannot be formed using dramatic improvements in the way the letters of the given word. waste management is ______out 18. INTERDEPENDENT in many hospitals. (a) RETREAT (a) One (b) Conduct (b) DEEPEN (c) Disposed (d) Solution: (c) DEPEND 29. At present, the global supply of wheat (d) REPENT is the lowest it has been ______19. Study the two different positions of a the past fifty years. dice. When the face containing one dot Direction (Q. 25): A word is represented (a) Since (b) for is at bottom then how many dots would by only one set of numbers as given in any (c) To (d) Of be there on the top face? one of the alternatives. The sets of numbers given in the alternatives are represented by Direction (30-31): In the following two classes of alphabets as in two matrices question, out of the four alternatives, given below. The columns and rows of select the word opposite in meaning to matrix I are numbered from 0 to 4 and that the word given. of Matrix II are numbered from 5 to 9. A 30. FRUGAL: (a) 6 (b) 5 letter from these matrices can be represented (a) Meticulous (c) 4 (d) 3 first by its row and next by its column, (b) Mingy 20. Arrange the following words as per the e.g. T can be represented by 00, 13, 30, etc., (c) Discreet reverse order in a dictionary. and R can be represented by 56, 79, 87 etc. (d) Lavish 1. Multitude identify the set for the word DEAL. 2. Multinational 31. DEFORMITY: 3. Multiplier 25. (a) Depravity (b) Buckle 4. Multinomial (c) Contortion (d) Morality 5. Multilingual MATRIX – I MATRIX - II 0 1 2 3 4 5 6 7 8 9 Direction (32-33): In the following (a) 1 3 2 4 5 (b) 1 3 4 2 5 0 T C K K G 5 C R I G E question, out of the four alternatives, (c) 4 5 3 2 1 (d) 5 4 3 2 1 1 F B R T O 6 P M S L T select the word similar in meaning to 21. Which of the answer figure indicates the 2 M D I O Q 7 E Y N B R the word given. best relationship between Milk, Goat, 3 T A U A N 8 A U R O A Cow, Hen? 4 Y K P R Y 9 O T A Q K 32. SUNDRY: (a) Dissimilar (a) 11, 23, 76, 68 (b) Genuine (b) 21, 75, 97, 68 (c) Miscellaneous (c) 21, 32, 86, 89 (d) Scarce (d) 43, 75, 89, 69 33. TEDIOUS: Statement : 22. Due to acute problem of (a) Pleasant (b) Dreary pollutions in metro cities battery ENGLISH LANGUAGE (c) Congenial (d) Amicable operated buses were introduced in the place of tempos. Direction(26-27): In the following Direction (34-35): In the following Assumptions : question, some part of the sentence may question, out of the four alternatives, I. The problem of pollution in metro have errors. Find out which part of the select the alternative which best cities will be reduced from metro sentence has an error and select the expresses the meaning of the idiom/ cities by plying battery operated appropriate option. If a sentence is free phrase. buses. from error, select No Error. II. The cause of pollution in metro 34. Jump on the bandwagon 26. Unless he does not apologise, (a)/ he cities is tempo. (a) Keep something away should not be allowed (b)/ to sit in the (a) Only I is implicit (b) To accomplish two different class. (c)/ No error (d) (b) Only II is implicit things at the same time 27. Coaches have the advantage of draw (a)/ (c) Both I and II are implicit (c) To join or follow something once on their personal experiences (b)/ and (d) Both I nor II is implicit it is successful or popular providing their players with unique 23. Five books A, B, C, D and E are kept on (d) To disturb inputs. (c)/ No error (d) a table. If A is placed below E, C is 35. Take with a grain of salt placed above D, B is placed below A Direction(28-29): In the following (a) Not take something too seriously question, a sentence is given with a (b) Take something seriously

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(c) Hear something from some D- But it is one of the satisfying basic China – which together represented a authorative source human needs for achievement. significant share of the (d) To take credit (a) ABCD (b) BDAC worlds___48____and population. In 2011, 36. A person who does not believe in god. (c) CABD (d) ABDC South Africa joined the grouping and it (a) Philatelist 43. A- Nobody likes to became “BRICS”. Initially, in 2006, (b) Atheist practice it, no matter how easy successful interactions between the (c) Rationalist and beneficial it is. This is the four___49____started at the margins of the (d) Secularist worst drawback in us, in our general debate of UNGA, which led to the 37. Large-scale departure of people national character. decision that the dialogue was to be carried (a) Migration B- Patience, a virtue, is considered out at the level of the Heads of the States (b) Emigration to be even better than wisdom. and governments in annual___50____. (c) Immigration An ounce of patience is worth, or 46. (a) Randomly (b) Rarely (d) Exodus at times even better than, a pound (c) Initially (d) Starting of brains. 47. (a) Submit (b) Report Direction (38-39): Improve the bracketed C- Everyone of us agrees with this (c) Strategy (d) Shifts part of the sentence. fact in principle, without 48. (a) Specification reservation. 38. They had been (waking) all night for (b) Product D- But, unfortunately, when it comes the semester exams; and will not wake (c) Status to practising patience, there is a up till the afternoon. (d) Production problem. (a) Outing (b) Awake 49. (a) Countries (b) States (a) ABCD (b) BCAD (c) Wake up (d) No improvement (c) World (d) Districts (c) BCDA (d) BDCA 39. He was (on the bang) after a six-month 50. (a) Staff (b) Summit injury lay-off. Direction (44): In the following question, (c) Submit (d) Shell (a) Back with a bang a sentence has been given in Active/ (b) Backing out Passive voice. Out of the four alternatives QUANTITATIVE APTITUDE (c) Backing up suggested, select the one which best 51. If the expression (d) No improvement expresses the same sentence in Passive/ 3 2 Direction (40-41): In the following Active voice. px − 2x − qx +18 is question, four words are given out of 44. Are you writing a letter? completely divisible by ()x2 − 9 , which one word is incorrectly spelled. (a) Is a letter written by you? Select the incorrectly spelled word. (b) Letter is written by you? then what is the ratio between p and q respectively? 40. (a) Tawdri (b) Wretch (c) A letter is written by you? a) 1 : 9 b) 1 : 3 (c) Yearn (d) Zealous (d) Is a letter being written by you? c) 3 : 1 d) 9 : 1 41. (a) Abdicate (b) Beline Direction (45): In the following question, (c) Triumph (d) Reverence a sentence has been given in Direct/ 1 52. If x + = 5 , then what is the value Direction (42-43): The question below Indirect speech. Out of the four x consists of a set of labelled sentences. alternatives suggested, select the one which best expresses the same sentence These sentences, when properly 5 1 in Indirect/Direct speech. of x + ? sequenced form a coherent paragraph. x5 Select the most logical order of 45. He said, “I can drive a car”. sentences from among the options. a) 1875 b) 2525 (a) He asked if he could drive. c) 2530 d) 3120 42. A- Basic human needs also (b) He said that he could drive a car. 53. How many times the keys of a include a sense of belongingness, (c) He started that he could drive a typewriter have to be pressed in order a feeling of control over ones life. car. to write numbers from 121 to 1346? B- Motivation and inspiration (d) He told he can drive a car. a) 3675 b) 4018 energise people into action. This Direction (46-50): In the following c) 4021 d) 4025 is not done by pushing them in passage, some of the words have been 54. A trader sold an article at profit of 20%. the right direction as control left out. Read the passage carefully and Had he bought that article at 60% less mechanisms. select the correct answer for the given price and sold it at Rs.90 less, then he C- Such feelings touch us deeply and blank out of the four alternatives. would have gained 50%. What is the elicit the powerful response. The acronym “BRICs” value (in Rs) of cost price? Ability to live up to ones ideals was___46____formulated in 2001 by a) 150 b) 200 besides all these is also a economist Jim ONeill, of Goldman Sachs, c) 250 d) 300 fundamental need. in a___47____on growth prospects for the economies of Brazil, Russia, India, and

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8% per annum is Rs.64. What is the + 2 − − 2 − c) 45()3 +1 x x 1 + x x 1 sum (in Rs)? 55. If = a) 40000 b) 42000 − 2 − + 2 − x x 1 x x 1 d) 45()3 + 2 c) 44000 d) 44800 194, then what is the value of x ? 62. A square is inscribed in a quarter circle 68. In the given figure, PR and ST are in such a way that two of its adjacent perpendicular to tangent QR, PQ 7 vertices on the radius are equidistant passes through center O of the circle a) b) 4 2 from the centre and other two vertices whose diameter is 10 cm. If PR = 9 cm, lie on the circumference. If the side of then what is the length (in cm) of ST? c) 7 d) 14 56. Aman and Kapil starts from Delhi and 5 Gwalior respectively towards each square is cm, then what is the other at same time. They meet at 2 Mathura and then take 196 minutes and radius (in cm) of the circle? 225 minutes respectively to reach a) 2 b) 2.5 a) 1 b) 1.25 Gwalior and Delhi. If Speed of Aman c) 5 d) 10 c) 1.5 d) 2 is 30 km/hr, then what is the speed (in 69. What is the simplified value of km/hr) of Kapil? 2 2 5 sec θ + tan θ = tan A cot A 2 a) 28 b) 30 63. If , then what is + − = ? 3 1− cot A 1− tan A sin 2A 225 392 c) d) the value of tan 2θ ? a) -1 b) 0 7 15 c) 1 d) 2 a) 57. Three bottles of equal capacity 2 3 70. What is the slope of the line containing mixture of milk and water perpendicular to the line passing b) in ratio 2 : 5, 3 : 4 and 4 : 5 respectively. 3 through the points (-5, 1) and (-2, 0)? These three bottles are emptied into a a) -3 b) 3 large bottle. What will be the ratio of 1 c) 1 1 milk and water respectively in the large 3 c) − d) bottle? 3 3 d) Cant be determined a) 73 : 106 b) 73 : 116 71. What is the reflection of the point (-2, 64. 40 men took a dip in a pool 30 m long c) 73 : 113 d) 73 : 189 5) in the line x = -1? and 25 m broad. If the average water 58. How many numbers are there from 700 a) (-2, -7) b) (0, 5) displaced by a man is 5 m3, then what to 950 (including both) which are c) (2, 5) d) (-2, 7) will be the rise (in cm) in level of the neither divisible by 3 nor by 7? 72. The H.C.F. and L.C.M of two numbers pool? a) 107 b) 141 are 4 and 352. If the difference between a) 25 b) 26.66 c) 144 d) 145 them is 12, then find the smaller c) 27.33 d) 28 59. The average age of 6 members of a family number. 65. In the given figure, PQRS is a square and is 20 years. If the age of the servant is a) 28 b) 32 SRT is an equilateral triangle. What is included, then the average age increase c) 38 d) 40 by 25%. What is the age (in years) of the value (in degrees) of ∠ SOR? the servant? Direction (Q.73 – 75): The following pie a) 30 b) 35 chart gives the household expenses of a c) 50 d) 55 family. Read the chart and answer the 60. If A : B = 1 : 2, B : C = 3 : 4 and C : D = questions. 5 : 6, then the ratio A : D is a) 1 : 4 b) 3 : 7 a) 45 b) 55 c) 5 : 16 d) 4 : 21 c) 66 d) 75 61. A tower is broken at a point P above the 66. If A = 300, B = 600 and C = 1350, then ground. The top of the tower makes an what is the value of sin3A + cos3B + angle 600 with the ground at Q. From tan3C – 3sin A cos B tan C? another point R on the opposite side a) 0 b) 1 of Q, angle of elevation of point P is c) 8 d) 9 300. If QR = 180 m, then what is the 67. The difference between the compound total height (in metres) of the tower? 73. If total expenses is 10,400, find the interest compounding half yearly for 1 a) 90 difference between expenses increased year and the simple interest for 1 year on education and rent? on a certain sum of money lent out at b) 45 3 a) 3640 b) 3840 c) 4000 d) 4500

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74. What is the angle of Transport expenses? (a) The idea of a federation with a (b) All shareholders have the same a) 280 b) 50 strong centre liability for the companys debt. c) 180 d) 360 (b) The method of presidential (c) Shareholder is only liable for the 75. If expenses on education is increased by elections debts of the company to the 10% by how much percent expenses (c) The Emergency powers extent of the unpaid value of his on food be reduced to limit the total (d) Provisions concerning the shares. expenses on same level? suspension of fundamental rights (d) All share holders except ordinary during National Emergency shareholders enjoy limited 1 83. Pole Star is always seen at one point in liability a) 5% b) 3 % 3 the sky whereas other stars are not; 91. What is found in frequency modulation? this is because :- (a) Fixed frequency 2 (a) Pole star rotates with the same (b) Fixed dimension c) %3 d) 3 % period as the earth (c) Change in frequency and dimension 3 (b) Sun and Pole star are in two (d) Change in dimension only opposite directions relative to 92. The velocity of heat radiation in vacuum GENERAL AWARENESS earth is :- (c) Pole star lies in the axis of spin of (a) Equal to that light 76. Akbar has been called the First national the earth (b) Less than that of light King, mainly because of (d) Pole star is a star of our own galaxy (c) Greater than that of light (a) Was highly tolerant and secular in 84. Shield volcanoes refer to :- (d) Equal to that of sound his outlook (a) Explosive lava eruptions 93. What is used in photography as fixing (b) Provided an efficient government (b) Repeated lava flows agent? to the people (c) Ejection of a wide range of (a) Ammonium Thiosulfate (c) Was a great administrator pyroclastic materials (b) Potassium Carbonate (d) Established a new religion Din-i- (d) Individual lava flows (c) Sodium Thiosulfate Ilahi. 85. Imaginary annual path of sun across the (d) Sodium Bicarbonate 77. In the Mughal administration, military sky is :- 94. Which of the following chemical recruitment was being looked after by (a) Circular (b) Ecliptic materials is responsible for the (a) Bakshi (b) Wazir (c) Spiral (d) Elliptical depletion of ozone layer in the (c) Kotwal (d) Diwan 86. Which one of the following is not a site atmosphere? 78. The Nawab of Bengal who shifted the of action In human body for the (a) Nitrous oxide capital from Dacca to Murshidabad parasite plasmodium? (b) Carbon dioxide was? (a) Liver (c) Chlorofluorocarbon (a) Murshid Quli Khan (b) Kidney (d) Sulphur dioxide (b) Shujauddin (c) Red Blood cell 95. Which of the following is a natural dye? (c) Alivardi Khan (d) Brain (a) Crystal violet (d) Siraj-ud-daula 87. When dust gets into the eye, the part (b) Aniline blue 79. India Councils Act of 1861 was passed that becomes inflamed and pink is the (c) Alizarin during the tenure of : (a) Conjuctiva (d) Phenolphthalein (a) Dufferin (b) Dalhousie (b) Sclerotic 96. Oil rises up the wick in a lamp because (c) Canning (d) Mayo (c) Cornea (a) Oil is very light 80. Who among the following dignitaries is (d) Choroid (b) Of the diffusion of oil through the not removed from office through 88. Which of the following store starch wick impeachment? (a) Chloroplast (c) Of the surface tension (a) President (b) Chromoplast phenomenon (b) Vice-president (c) Leucoplast (d) Of the capillary action (c) Judges of the supreme court (d) Amyloplast phenomenon (d) Comptroller and Auditor General 89. The break even point is where 97. Which states tableau has won the best of India (a) Marginal revenue equals Marginal tableau award at the 69th Republic Day 81. Which Article of the Constitution had cost Parade 2018? the unique distinction of having been (b) Average revenue equals Average (a) Assam adopted by the Constituent Assembly cost (b) Maharashtra with cries of “Mahatma Gandhi ki Jai”? (c) Total revenue equals Total cost (c) Karnataka (a) 17 (b) 18 (d) None of these (d) Chhattisgarh (c) 19 (d) 20 90. Limited liability means 98. The headquarters of the Sahitya 82. Which of the following features does (a) The number of shares in the Akademi is at ______. the Indian Constitution borrow from company is strictly limited. (a) Mumbai the Weimar Constitution of Germany? (b) New Delhi

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(c) Chennai 15. b; (d) Kolkata 99. The atomic bombs that US dropped on Japan were called (a) David, Masereto 7. b; (1)2 = 1; (b) Samuel, Johnny 1 + 6 = 7 ⇒ (7)2 = 49; (c) Fat man, Little boy 7 + 4 = 11 ⇒ (11)2 = 121; (d) Fury, Thunder 11 + 2 = 13 ⇒ (13)2 = 169 100. International Day against Nuclear Tests is observed on? 13 + 4 = 17 ⇒ (17)2 = 289 According to the question, South-East (a) 9th February 8. c; The series is bababb, bababb has been shown as North. It implies (b) 9th September 9. a; that the direction pointer has been 0 st rotated through 135 in anticlockwise (c) 21 November + ÷ − = (d) 29th August 4 11 5 55 ? direction. Therefore, West will ? = 4×11− 5 + 55 represent South-East. ♦♦♦♦ 16. c; or, ? = 44 − 5 + 55 = 94 EXPLANATIONS 10. d; A ⇒ + B ⇒ X 1. d; Border is the line dividing two C ⇒ – D ⇒ ÷ countries or surrounding a country. Similarly, a frame is a border of wood, 12 B 8 C 6 D 2 A 4 = ? metal etc. ⇒ ? = 12 × 8 – 6 ÷ 2 + 4 2. d; ? = 12 × 8 – 3 + 4 As A is mother of D and wife of G, so ∴ 6 is used before 25 ? = 96 – 3 + 4 G is the father of D. Hence, the required ∴6 will used before 35 = 97 answer is (3). 3. a; 11. c; 27 = 9 × (2 + 1) 17. c; 35 = 7 × (3 + 2) 36 = 4 × (4 + 5) Hence, the required answer is c. 12. d; 5( × 6× )4 × 2 = 240 Similarly, × × × = 4( 9 )2 2 144 18. c; Therefore, 2( ×1× )8 × 2 = 32

13. a; First Column 4. d; All except Aluminium are magnetic (3 × 4 × 5) – 2 = 58 materials. 19. c; When both 2 and 3 dots are at the Second Column 5. d; same side, 1 dot should be opposite to (5 × 6 × 2) – 2 = 58 A = 1 4 dots. Third Column FAT 20. b (8 × 4 × 2) – 2 = 62 21. b; Cow & Goat give milk and Hen gives ↓ ↓ ↓ Forth Column eggs. 6 + 1 + 20 = 27 (7 × 6 × 3) – 2 = 124 22. a; Only I is implicit Therefore, 14. d; 23. b; F A I N T Statement I : A placed below E. ↓ ↓ ↓ ↓ ↓ Statement II: C is placed above D. Statement III: B is placed below A. 6 + 1 + 9 + 14 + 20 = 50 Statement IV: D is placed above E. 6. a;

All philosophers without exception are Similarly, men. So no woman can be philosopher.

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Hence, the required answer is (2). Usage of for: We use for when we 35. a; The correct answer is Option (a), i.e. 24. a; The letter A of the word RETREAT measure the duration – when we say Not take something too seriously. is not available in the word how long something lasts. 36. a; The correct answer is Option (a), i.e. INTERDEPENDENT. 30. d; The correct answer is Option (d), i.e. Atheist. 25. b Lavish. A person who does not believe in God D ⇒ 21 Frugal means sparing or economical is an atheist. E ⇒ 59, 75 as regards money or food. Philatelist is one who collects or Lavish means sumptuously rich, studies stamps. A ⇒ 31, 33, 85, 89, 97 Rationalist is a person who bases ⇒ elaborate, or luxurious. L 68 Hence the word opposite in meaning their opinions and actions on reason to the word Frugal is Lavish. and knowledge rather than on religious Option D E A L Meticulous means showing great belief or emotional response. (a) 11 23 76 68 attention to detail; very careful and Secularist is a person who advocates (b) 21 75 97 68 precise. separation of the state from religious (c) 21 32 86 89 Mingy means undesirably small. institutions.. (d) 43 75 89 69 Discreet means careful and prudent 37. d; The correct answer is Option (d), i.e. in ones speech or actions, especially Exodus. 26. a; The correct answer is Option (a), i.e. in order to keep something confidential The large-scale departure of people is Unless he does not apologise. or to avoid embarrassment. an exodus. Does not apologise should be replaced 31. d; The correct answer is Option (d), i.e. Migration is seasonal movement of by apologises. Morality. animals from one region to another. Unless means If not. In the sentence, Deformity means disfigurement or Emigration is the act of leaving ones Unless is mentioned, which distortion or abnormality. own country to settle permanently in demonstrates that If not he apologises, Morality means ethics or honesty. another; moving abroad. he should not be allowed to sit in the Hence the word opposite in meaning Immigration is the action of coming class. to deformity is morality. to live permanently in a foreign Does not apologise is used with the Depravity means moral corruption; country. conjunction If. wickedness. 38. b; The correct answer is Option (b), i.e. Here, with the conjunction unless, Buckle means bend and give way Awake. apologises would be used. under pressure or strain. In the given sentence the adjective So, the correct sentence would be Contortion means distortion or awake would be used in place of Unless he apologises, he should not deformity. waking. be allowed to sit in the class. 32. c; The correct answer is Option (c), i.e. Waking means the state of being 27. a; The correct answer is Option (a), i.e. Miscellaneous. awake, whereas awake means not Coaches have the advantage of draw. Sundry means Of various kinds or asleep. Draw should be replaced by several. So, the appropriate replacement would drawing. Miscellaneous means of various be awake as it fits more in the As in the given sentence a preposition types or from different sources. sentence and makes the sentence of is used before a verb, so the verb, Hence the word similar in meaning to structurally and meaningfully correct. which is followed by a preposition Sundry is Miscellaneous. The other given options are not comes in -ing form. 33. b; The correct answer is Option (b), i.e. appropriate here because outing 28. c; The correct answer is Option (c), i.e. Dreary. means a trip or an expedition and Carried. Tedious means dull or monotonous. wake upmeans an instance of a Among the given options carried can Dreary means depressingly dull and person waking up or being woken up only be used with out. Carried out bleak or repetitive. and both of them does not make the means done, performed or conducted. Pleasant, Congenial and Amicable sentence meaningfully correct. Conduct means to carry out, and are antonyms of Tedious. 39. a; The correct answer is Option (a), i.e. conduct out will disturb the meaning 34. c; The correct answer is Option (c), i.e. Back with a bang. of the sentence. To join or follow something once it is The correct phrase to be used here is One and Disposed make the successful or popular. Jump on the back with a bang as it means in a sentence meaningfully and structurally bandwagon means To join or follow very exciting and noticeable way. incorrect. something once it is successful or Backing out means withdraw from a 29. b; The correct answer is Option (b), i.e. popular. commitment and it disturbs the For. For example: So many people are meaning of the sentence. The correct preposition, which should trying to quit smoking that I might as Backing up means form into a queue be used here is for as it is given that well jump on the bandwagon and quit due to congestion and it makes the the supply has been lowest for some as well. sentence meaningfully incorrect. period of time.

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Hence, the phrase, which fits best in 50. a; The correct answer is Option (a), i.e. Total count of key pressed = Summit. the sentence is back with a bang as it 2637 +1388 = 4025 makes the sentence meaningfully and 2 51. a; ()x − 9 = (x + 3 )(x − 3 ) 54. a; Let C.P = Rs.100 idiomatically correct. ∴ 40. a; The incorrectly spelled spelling is Given expression S.P. = Rs.120 Tawdri. If C.P. is 60% less, then new C.P. = ()3 − 2 − + will result The correct spelling is Tawdry, px 2x qx 18 Rs.40 which means showy but cheap and of to 0 when x = 3 and x = -3, as it is New. S.P. at 50% gain = poor quality. completely divisible by ()x + 3 and 150 Wretch means an unfortunate or 40× = Rs.60 unhappy person. ()x − 3 . 100 Yearn means have an intense feeling Less in both S.P. = 120 – 60 = Rs.60 At x = 3 of longing for something. When difference is Rs.60, C.P. = Rs.100 Zealous means having or showing ⇒ ()()3 3 p− 3 2 ×2−3q+18=0 When difference is Rs.90, then C.P. = zeal. 41. b; The word incorrectly spelled is = ⇒ = 100 27 p 3q q 9 p ×90 = Rs.150 Beline. 60 The correct spelling is Beeline, which p = 1 ∴C.P. = Rs.150 means a straight line between two ∴ = 1 : 9 places. q 9 55. c; Given, Abdicate means fail to fulfill or x + x2 −1 x − x2 −1 undertake (a responsibility or duty). + 1 = + = 194 52. b; x 5 − 2 − + 2 − Triumph means a great victory or x x x 1 x x 1 achievement. Reverence means deep respect for + 2 − 2 + 1 = x x 1 someone or something. ⇒ x 2 23 Let, A = and B = 42. b; The correct sequence is Option (b), x x − x2 −1 i.e. BDAC...... (i) 43. c; The correct sequence is Option (c), 2 1 3 x − x − i.e. BCDA. 3 + = () − × = 1 And x 3 5 3 5 110 ..... 44. d; The correct answer is Option (d), i.e. x x + x2 −1 Is a letter being written by you? (ii) Note: Rule- When the active verb is in Multiply Equation (i) with equation Rationalising A = (ii) the present continuous tense, then; + 2 − + 2 − Active verb: is/am/are writing. x x 1 x x 1  2 1   3 1  × Passive verb: is/am/are being written.  x + × x +  = 23×110 2 2 2 3 − − + − 45. b; The correct answer is Option (b), i.e.  x   x  x x 1 x x 1 He said that he could drive a car. 2 2 2  5 1   1  + − + − Note: When changed from direct  x +  +  x +  = 2530 x x 1 2x x 1 5 = speech to indirect speech, then;  x   x  x2 − x2 + Future Continuous Changes To 1 Conditional Continuous. For  1  2 2  5 +  = − = 2x −1+ 2x ()x −1 example: Direct speech- She said, “Ill x 5 2530 5 be  x  using the car next Friday.” x − x2 −1 Indirect speech- She said that  5 1  Similarly B =  x +  = 2525 + 2 − she would be using the car next Friday.  5  x x 1 Additionally, the modal can changes x into could. 53. d; From 121 to 999, no of 3 – digits x2 + x2 −1− 2x x2 −1 46. c; The correct answer is Option (c), i.e. terms = 999 – 121 + 1 = 879 = Initially. ∴ Count of key pressed = x2 − x2 +1 47. b; The correct answer is Option (b), i.e. 3×879 = 2637 Report. = 2x2 −1− 2x x2 −1 48. d; The correct answer is Option (d), i.e. From 1000 to 1346, No of 4 – digits Now, Production. terms = 1346 – 1000 + 1 = 347 A + B = 194 49. a; The correct answer is Option (a), i.e. ∴ Count of key pressed = Countries. 4×347 = 1388

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Increased total age = × = 2x2 −1+ 2x x2 −1 + 7 25 175 5 Required servant age = And, BD = 2 × = 5 2 2 2 2x −1− 2x x −1 = 194 175 −120 = 55 year OB is radius of quarter circle. 2 4x − 2 =194 1 3 5 ⇒ OD = OA = x 60. c; Ratio = × × = 16:5 2 2 4 6 x = 49 Then, x2 + x2 = AD2 61. d x ±= 7 2 5 5 56. a; We know that, 2x = ⇒ x = cm 2 2 s t2 30 225 ⇒ 1 = ⇒ = Now, ∆ OBD, 2 2 2 s2 t1 s2 196 OB = OD + BD

S = × = km/h 2 5 25 2 14 2 28 ∆ PQS, r = + 5 = 57. b; I bottle = 2 : 5 ⇒ 2 + 5 = 7 4 4 h II bottle = 3 : 4 ⇒ 3 + 4 = 7 0 = = tan 60 3 = 5 = ⇒ x r 5.2 cm III bottle = 4 : 5 4 + 5 = 9 2 So, to equalize all quantity – we h = .3 x multiply 9 in I and II bottle and 2 2 5 ∆ PRS, 63. b; sec θ + tan θ = multiply 7 in bottle III. 3 1 h So, we calculate only water quantity 0 = = tan 30 2 2 5 3 ()180 − x 1+ tan θ + tan θ = = 5×9 + 9× 4 + 7×5 3 = 45 + 36 + 35 = 116 = − h. 3 180 x 5 2 Like this we can calculate only milk 2 tan 2 θ = −1 = = − quantity = 2 × 9 + 3 × 9 + 4 × 7 = 18 .3 .3 x 180 x 3 3 + 27 + 28 = 73 4x = 180 1 tan θ = ⇒ θ = 300 Required ratio = 73 : 116 x = 45 m 3 58. c; Total no. between 700 and 950 = 250 So, height of tower = h + PQ So, ⇒ → divisible by 3 702 ...... 948 = 0 = + × tan 2θ = tan60 = 3 83 45.3 2 45 64. b; Area of pool = × = ⇒ divisible by 7 → 700 ...... 945 = = 45()3 + 2 m 30 25 750 36 62. b No. of person = 40 So, Rise in level of pool = LCM of 3, 7 = 21 ⇒ divisible by 21 = 714 ...... 945 = 12 40× 5×100 = 26.66 cm So, divisible by 3 and 7 = 83 + 36 – 12 30× 25 = 107 65. d So, which are neither divisible by 3 nor 7 is = 251 – 107 = 144 59. d; Average age of 6 members = 20, total Given that, ⇒ OA = OD age = 120 And, Increased average age = 25 Then ∠ AOD = 900 We know that, Then, ∠ OAD = ∠ ADO = 450 ∠ SRT = 600 (Due to equilateral triangle)

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0 75. b; Required expenses = ∠ RQS = 45 2 2 = sin A + cos A (Because due to diagonal of square) ()− ()− 10 1 cosA sinA cosA sinA cosA sinA % = 3 % So, ∠ SOR = ∠ ORQ + ∠ RQO 1 0 − 3 3 = (90 – 60) + 45 = 75 sinAcosA 66. a; Put all values in expression 76. a 77. a 78. a 79. c 80. b 81. a 82. d 83. c = 3 + 3 + 3 3 − 3 sinA cos B tan C = sin A cos A 84. b 85. d 86. b 87. a −3sinAcosBtanC sinA.cosA()sinA − cosA 88. d 89. a 90. c 91. a 92. a 93. c 94. c 95. c 3 3 1  1   1  1 1 − 96. d 97. b 98. b 99. c =   +   −1 3×− × ()−× 1  2   2  2 2 sinAcosA 100. d

3 3 ()sinA − cosA = − + = 0 ♦♦♦♦ 4 4 ()sin 2 A + cos 2 A + sinA.cosA 67. a; We consider 8% per annum = 4% per − ()− VANIKS KNOWLEDGE GARDEN half yearly = sinA cosA 2 sinA.cosA()sinA − cosA  r  FOREIGN BANKS IN INDIA AND THEIR Difference = P×  COUNTRY 100  ()sinA − cosA Bank Country Bank Country 4× 4 ()+ − AB Bank Bangladesh Bank of Bahrain 64 = P× = 1 sinAcosA 1 = 100×100 1 Ltd. Bahrain sinAcosA.()sinA − cosA & Kuwait P = 40000 BSC 68. a 70. b; Slope of line passing ABN Netherland Bank of Sri Lanka Through (-5, 1) and (-2, 0) AMRO Ceylon Bank 0 −1 −1 Bank of Canada Berclays UK m = = Nova Bank 1 − 2 + 5 3 Scotia BNP France Citi Bank USA Slope of line perpendicular to the given Paribas Bank = CTBC Taiwan Woori South line = m2 3 (Because Bank Co. Bank Korea × −= ) Ltd. OP = OS = 5 cm m1 m2 1 DBS Singapore Deustsche Germany 71. b; Bank Bank PR = 9 cm, RN = 5 cm FirstRand South HSBC Hong Then PN = 9 – 5 = 4 cm Bank Ltd Africa Ltd Kong ON = 3 cm ( PON is a right angle  J.P. USA Mashreq UAE triangle, PN = 4 cm and PO = 5 cm.) Morgan Bank PSC ∆ OPN ≅ ∆ SLO, Because JSC VTB Russia Mizuho Japan Bank Bank Ltd. ∠ SLO = ∠ ONP = 900, ∠ PON KBC Belgium Royal UK Bank NV Bank of = ∠ OSL and PO = OS = 5 cm. 72. b; Assuming numbers as x and x + 12 Scotland ⇒ ⇒ x ×()x +12 = 4×352 Standard UK Scotia Canada PN = OL = 4 cm LM = ST = 5 Chartered Bank – 4 = 1 cm ⇒ x = 32 Bank Shinhan South Sonali Bangladesh 69. c 73. a; Required difference = Bank Korea Bank Ltd.

sinA cosA 10400 Sumitomo Japan United Singapore ×35 = 3640 Mitsui Overseas cosA + sinA 100 Bank Bank Ltd cosA sinA 74. c; Angle of transport = 1− 1− sinA cosA 0 360 × = 0 − 1 5 18 sinAcosA 100

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1. Motion of an oscillating liquid column 8. The device through which the depth of (d) Grain alcohol in a U-tube is: the sea is measured by the use of sound 14. The chemical substance which is easily (a) Periodic but not simple harmonic wave: soluble in water is: (b) Non periodic (a) Radar (a) Carbon (b) Nitrogen (c) Simple harmonic and time period (b) Sonar (c) Ammonia (d) Iodine is independent of the density of (c) Altimeter 15. Which one of the following is not a the liquid (d) Venturimeter periodic property (does not show any (d) Simple harmonic and time period 9. An electric motor runs on which trend) on moving from one side to depends on the density of the principle? another in the periodic table? liquid (a) Electrical energy can be converted (a) Atomic size 2. One feels heavier in a lift when the lift: into chemical energy in the (b) Valency (a) Is going down steadily presence of magnetic fields (c) Radioactivity (b) Just begins to go up (b) The current flowing through a (d) Electronegativity (c) Is moving up steadily conductor causes generation of 16. When the water vapour is poured on the (d) Descends freely heat that drives the engine red heated coke then the mixture of 3. A microwave oven uses wave with a: (c) A conductor carrying current in carbon monoxide and hydrogen gas is (a) Large wavelength in the invisible the direction perpendicular to the produced which is: range external magnetic field feels a force (a) Coal gas (b) Small wavelength in the visible (d) Changing magnetic field induces (b) Water gas range an electromotive force in a (c) Producer gas (c) Large wavelength in the visible conductor (d) Biogas range 10. The Phenomenon of Total internal 17. In which of the following form alum is (d) Small wavelength in the invisible reflection” is observed in which one of used? range the following? (a) As a pain killer 4. A particle moving with uniform speed: (a) Glowing tube light (b) As a fertilizer (a) Must have uniform velocity (b) Light passing through lens (c) As an antiseptic (b) Cannot have uniform velocity (c) Sparkling diamond (d) As a water purifier (c) May have uniform velocity (d) Twinkling star 18. A substance which can act both as an (d) Will have no velocity 11. The echo is produced by the sound acid and a base is known as: 5. “Hydraulic breaks” and “Hydraulic lift” waves due to: (a) amorphous are devices in which fluids are used for (a) The reflection of sound (b) allotropic transmitting: (b) The scattering of sound (c) amphoteric (a) Force (b) Momentum (c) The refraction of sound (d) None of these (c) Impulse (d) Power (d) None of these 19. The average salinity of sea water is: 6. When a bar magnet is cut into two equal 12. Metal pipes used to carry water (a) 2% (b) 2.5% halves, the pole strength of each piece: sometimes burst in the winter. This is (c) 3% (d) 3.5% (a) becomes double because. 20. The metal which forms hydrogen after (b) becomes half (a) Water expands when it freezes the reaction of an acid with an alkali is: (c) becomes zero (b) Metal contracts more than water (a) Zinc (b) Sodium (d) Remains the same (c) Outside of the pipe contracts (c) Potassium (d) Calcium 7. Which of the following laws is explained more than inside 21. Which one of the following is used as a by the statement the Energy can (d) Metal expands more than water mordant in dyeing and tanning neither be created for destroyed? 13. The methanol is also known by the name industry? (a) Law of conservation of energy of: (a) Magnesium oxide (b) Le Chateliers principle (a) Rubbing alcohol (b) Magnesium carbonate (c) Law of conservation of mass (b) Deformed alcohol (c) Magnesium chloride (d) Law of Osmosis (c) Wood alcohol (d) Magnesium sulphate

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22. Silverware turned black after a period of 32. Which organ in animals breaks fat to 43. Which among the book written by time due to formation of: produce cholesterol? Pamela Mountbatten”? (a) Nitrate coating on silver (a) Kidney (b) Heart (a) Subh-e-Azadi (b) Sulphide coating on silver (c) Lungs (d) Liver (b) India Remembered (c) Chloride coating on silver 33. Which one of the following crops (c) A cibtributions to the critic of (d) Oxide coating on silver supplies surplus nitrogen to the soil? political economy 23. Which of the following roofs provide (a) Potato (d) A Brief history of time better protection against fire? (b) Sweet Potato 44. Who is the secretary general united (a) Cement slab (c) Sun flower nations conference on trade and (b) Asbestos sheet (d) Pea development (UNCTAD) (c) Reinforced concrete 34. In the human body, which structure is (a) Mukhisa Kituyi (d) None of these the appendix attached to? (b) Ronny Abraham 24. Which one of the following is obtained (a) The large intenstine (c) Robert Azevedo as slag in a blast furnace? (b) The small intestine (d) Salil Shetty (a) Calcium carbonate (c) The gall bladder 45. Who produced the first film in india (b) Calcium sulphate (d) The stomach Raja Harishchandrain 1993? (c) Calcium chloride 35. The blood purification process occurring (a) Sohrab Modi (d) Calcium silicate in human body is called: (b) Dada Saheb Phalke 25. Which one of the following is not a part (a) dialysis (b) hemolysis (c) V. Shanta Ram of nerves? (c) osmosis (d) paralysis (d) K.L. Sehgal (a) Axons 36. Aryabhatta Research Institute of 46. The World Health Organization (WHO) (b) Connective tissues Observational sciences is located in: has recently validated Nepal for having (c) Schwann cells (a) New delhi (b) Asansol eliminated from which disease as a (d) Smooth muscles (c) Naintal (d) Mysore public health problem? 26. Perspiration cools the body because: 37. National institute of Design (NID) is (a) Polio (a) Presence of water on the skin is located at: (b) Trachoma cooling (a) Gandhinagar (c) Diabetes (b) Evaporation requires latent heat (b) Pune (d) Tuberculosis (c) Water has a high specific heat (c) Bhubaneswar 47. The Wanakbori Thermal Power Station (d) Water is poor conductor of heat (d) Agartala (WTPS) is located on the bank of which 0 8. 27. People suffering from anorexia 38. Which one of the following is nuclear- river in Gujarat? nervosa? capable submarine launched ballistic (a) Narmada River (a) Developed paralysis missile? (b) Luni River (b) Show poor reflex (a) Sagarika (b) Shourya (c) Sabarmati River (c) Cannot speak properly (c) Prithvi (d) Nag (d) Mahi River (d) Eat very little and fear gaining 39. The central Industrial security force was 48. Who has become the champion of the weight established in the year of: 3rd Kolkata Open International 28. Dual energy x-rays absorptiometry used (a) 1962 (b) 1984 Grandmasters Chess Tournament? to measure: (c) 1969 (d) 1953 (a) Srinath Narayanan (a) Spread of solid tumor 40. Which state to have indias first (b) Dibyendu Barua (b) Bone density privately run railway station? (c) Shyam Sundar M (c) Ulcerous growth in stomach (a) Tripura (d) Deep Sengupta (d) Extent of brain hemorrhage (b) West Bengal 49. Dr Hemu Adhikari, who passed away 29. Lungs are located in the: (c) Kerala recently, was the noted personality (a) Abdominal cavity (d) Madhya Pradesh from which field? (b) Pericardial cavity 41. Indias largest river bridge the Dhola- (a) Sports (c) Peritoneal cavity Sadiya bridge is located at? (b) Journalism (d) Pleural cavity (a) Madhya Pradesh (c) Film Industry 30. The Vitamin which is very liable and (b) Assam (d) History easily destroyed during cooking as well (c) Meghalaya 50. Who has won the prestigious 2018 Man as storage is: (d) Nagaland Booker International Prize for fiction? (a) Vitamin A 42. Who has been appointed the new (a) Ahmed Saadawi

(b) Vitamin B6 finance commissioner (FC) of Indian (b) Han Kang (c) Vitamin C railway? (c) Virginie Despentes (d) Vitamin K (a) B.N. Mohapatra (d) Olga Tokarczuk 31. Athletes Foot is a disease caused by: (b) S.K. Bhagat (a) Bacteria (b) Fungus (c) Anand Mathur (c) Protozoa (d) Nematode (d) Akhil Agrawal

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59. If an article is sold at 200% profit, then a)400 b)700 2 the ratio of its cost price to its selling c)500 d)600 51. A person who spends 66 % of his 3 price will be 68. If in a triangle ABC, the angles at B and a)1 : 2 b)2 : 1 C are 1.5 and 2.5 times of the angle at A income is able to save Rs. 1,200 per c)1 : 3 d)3 : 1 respectively, then angle at B is month. His monthly expenses (in Rs) 60. If each side of a square is increased by a)360 b)540 10%. Its area will be increased by c)480 d)720 is : a)10% b)21% 69. If ABCDEF is a regular hexagon, then a)1, 200 b)2, 400 c)44% d)100% ∆ ACE is c)3, 000 d)3, 200 61. Two numbers are in the ratio 1 : 3. If a)a right-angled triangle their sum is 240, then their difference − 4 b)an obtuse-angled triangle   is  8  3 c)an isosceles triangle 52. simplifies to : a)120 b)108 125  d)an equilateral triangle c)100 d)96 70. The numerical value of 625 625 3 1 3 2 a) b) 62. Walking at of his usual speed, a man + + 2 sin θ will 16 8 4 1+ cot2θ 1+ tan2θ be 625 625 1 a)2 b)5 c) d) is 1 hours late. His usual time to 38 38 2 c)6 d)3 71. In an examination, a student was asked + − cover the same distance, in hours, is 5 3 5 3 3 53. If x = and y = 1 to find of a certain number, By 5 − 3 5 + 3 a)4 b)4 2 14 then (x + y) equals : a)8 b)16 3 1 mistake, he found of it. His answer c)5 d)5 c)2 15 d)2 ()5 + 3 2 4 was 150 more than the correct answer. 54. The value of 63. A sum of Rs 12, 000 deposited at The given number is : compound interest becomes double 1.0 × 1.0 × 1.0 + 02.0 × 02.0 × 02.0 a)500 b)280 after 5 years. After 20 years, it will × × + × × c)240 d)180 2.0 2.0 2.0 04.0 04.0 04.0 become 72. If the graph of given linear equations is : a)Rs 48, 000 b)Rs 96, 000 3x+ ky – 4 = 0 and k - 4y – 3x = 0 a)0.0125 b)0.125 c)Rs. 1, 90, 000 d)Rs 1, 92, 000 coincides with each other, then the c)0.25 d)0.5 64. If x : y = 5 : 6, then (3x2 – 2y2) : (y2 –x2) value of k is is 55. The value of + + is : a)3 b)4 2.0 3.0 32.0 a)7 : 6 b)11 : 3 c)- 3 d)- 4 a) 87.0 b) 78.0 c)3 : 11 d)6 : 7 65. The value of Directions: (Q. Nos. 73-75): The c) 0.87 d) 86.0 []+ {+ ()+ ∞ } distribution of James expenditure 56. The sum and product of two numbers 6 6 6 ....upto is during 2005 is given below: are 12 and 35 respectively. The sum of equal to His income =Rs 1, 80, 000 in 2005. their reciprocals will be a)3 b)10 Study the diagram and answer the 12 1 c)8 d)2 following questions. a) b) 35 35 1 5 1 66. If x + = 3, the value x + of is x x5 35 7 c) d) a)123 b)126 8 32 c)113 d)129 57. (256)0.16 ×(16)0.18 is equal to 67. The value of x in the following figure is a)4 b)16 c)64 d)256.25 58. The next number of the sequence 73. How much did he spend on medicine (in 2, 6, 12, 20, 30, 42, 56, ______is Rs)? a)60 b)64 a)8, 000 b)11,000 c)70 d)72 c)9, 000 d)10, 000

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74. His expenditure on petrol is what 82. In the following letter series, how many then find the answer of the following percent of his expenditure on food? time does p occur in such a way that equation. after p , NO should occur? 10 – 2 + 12 × 1 ÷ 0 = 1 APNQPNOSPTOZPNOYMPNO a)11 % b)9% a) 8 b) 12 9 a) 4 b) 3 c) 1 d) 0 c) 2 d) 5 92. Pointing to a girl in a bus , a man tells his 1 4 friend, “she is the daughter of the only Directions (83) Select the one which is c)9 % d)44 % son of my fathers wife”. How is the different from the other three responses. 11 9 girls related to the man? 75. The ratio of James income in the year 83. a) Cholera b) AIDS a)Cousin b) Daughter 2004 and 2005 is 4 : 5 and the ratio of c) Cancer d) Health c) Mother d) sister his expenditure on medicines is 3 : 2. 84. Arrange the following words according 93. Kalpana travelled from point B straight Approximately what % of his income to English Dictionary. to C, a distance of 8 ft. She turned left did he spend on medicines in 2004? 1) Particle and walked 5 ft away .Again, she turned a)10.8% b)10.4% 2) pardon left and walked 7ft and finally turned c)11.2% d)11.6% 3) parchment left and walked 5 ft. How far is she from the starting point ? Directions (76-77) In the following 4) parliament a)3 ft b) 4 ft questionselect the related words/ letters 5) Yearly c) 1 ft d) 5 ft /number from the given alternatives. a) 2,4,1,3,5 b) 3,2,4,1,5 c) 3,4,2,5,1 d) 2,3,4,1,5 Direction (94) Which one set of letters 76. Swimming : River :: Hiking : ? when sequentially placed at the gaps in a) Road b) Pond Directions (85) : Which one of the given the given letter series shall complete it? c) Mountain d) Sea. responses would be a meaningful order of the following words in ascending 77. Author : Novel : : Choreographer : ? 94. w_xw_x_ax_a_wa_ order ? a) Music b) Picture a)axawxa b) aawaxx c) Make-up d) Dance. 85. 1) Furniture 2) forest c) aawwxx d) waawxx 3)Wood 4) Tree Directions (78) In the following question Direction (95) which answer figure will a) 4, 1, 2, 3, b) 3, 2, 1, 4 select the related words/ letters /number complete the pattern in the question c) 2, 4, 3,1 d) 1, 3, 2,4 from the given alternatives figure ? Directions (86) Find the missing 78. HOPEFUL : LUFEPOH :: 95. ETHNICITY : ? numbers for the following series. a) YTICINHTE 86. 225, 289, ?, 441 b) TICINHTEY a)361 b) 375 c) ICINHTEYT c) 383 d) 386 d) CINHTEYTI. 87. If GRINDER is coded as 7654326. How Direction (79-80) In the question given is RENDER coded in that code? below, select the related letters / words / a) 642356 b) 624536 numbers from the given alternatives. c) 624326 d) 623426 88. From the given alternative, select the 79. 49 : 64 : : 144 : ? word which cannot be formed using the a) 186 b) 121 letters of the given word? 96. In this diagram , a total number of 100 c) 256 d) 169 PSYCHOLOGY players play different games. 80. 36 : 144 : : 49 : ? a) SCHOOL b) GOOD a) 81 b) 149 c) POOL d) HOLY c) 196 d) 154. 89. Find the wrong number in the given series 9, 14,19,25,32,40 Directions (81) In the following question a) 14 b) 25 find the odd word /letters /number pair c) 32 d) 9 from the given alternatives. 90. If BESKET is written as TEKSAB, How many players play football and 81. a) Circle : Arc how can PILLOW be written in that Hockey but not Cricket ? b) Line : Dot code ? a) 20 b) 25 c) Hexagon : Angle a) LOWPIL b) WOLLIP c) 15 d) 5 d) Square : Line. c) LOWLIP d) WOLPIL . 97. Which of the answer figure is exactly 91. If + and - signs are interchanged , the mirror image of the given figure, similarly × and ÷ are interchanged, when the mirror is held on the line AB?

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21. d 22. b 23. b 24. d and 0.02 = b 25. d 26. b 27. d 28. b 0.04 = 2b 29. d 30. c 31. b 32. d Expression 33. d 34. a 35. a 36. d 3 + 3 3 + 3 37. a 38. a 39. c 40. d = a b = a b 41. b 42. a 43. b 44. a 8a 3 + 8b3 8(a 3 + 3 )b 45. b 46. b 47. d 48. a 1 49. c 50. d = = 0.125 2 1 8 51. b; Saving = 100% - 66 % = 33 % Direction (98) in the questions given 3 3 55. a; 2.0 + 3.0 + 32.0 below, if a mirror is placed on the line XY, then which of the answer figure is 1 2 3 32 33 % = Rs 1200 = + + the correct image of the given question 3 9 9 99 figure ? + + 98. 1200 22 33 32 87 100% = ×3×100 = Rs 3600 = = = 87.0 100 99 99 Expenses = 3600 – 1200 = Rs 2400 56. a; Let the numbers be x and y respectively. 4 − 4 − 3 x + y = 12, and xy = 35   3   3  8  =  2  52. a;  3  1 1 x + y 12 125   5  + = = x y xy 35 4 57. a; Expression − 4×−  3  3 3 0.16 × 0.18  2   2  3 = ( 2 5 6 ) (16) =    =   8 0.16 × 4 0.18     =(2 ) (2 ) 99. How many circles are there in this figure?  5  5 =(2)8 × 0.16 × (2)4 × 0.18 =(2)1.28 × (2)0.72 = (2)1.28+0.72 2  5 4 625 =(2) = 4 =   = 58. d; The given sequence is based on the  2  16 following pattern : 53. a a) 21 b) 19 c) 18 d) 17 5 + 3 100. Statement: Uneducated people are x = exploited by other in the society . 5 − 3 Reqd. number = 72 59. c; Let cost price = 100x Conclusions: 5 + 3 5 + 3 I. People take advantage of = × 5 − 3 5 + 3 200 uneducated people only. Selling price = 100x +100x × = II. Educated people exploit uneducated 100 persons in society. 2 300x ()5 + 3 5 + 3 + 2 15 a) Only conclusion I follows = = So cost price : Selling price = 100x : b) Only conclusion II follows 5 − 3 2 300x c) Both conclusion I and II follow 8 + 2 15 Required ratio = 1 : 3 d) Neither conclusion I nor II follow. = = 4 + 15 60. b; Increase percent in area = 2 ♦♦♦♦  10×10  Similarly, 10 +10 + % = 21%  100  5 − 3 EXPLANATIONS y = = 4 − 15 61. a; Let the numbers be 3x and x. 5 + 3 3x + x = 240 1. c 2. b 3. a 4. c 4x = 240 5. a 6. b 7. a 8. b x + y = + + − = 9. c 10. c 11. a 12. a 4 15 4 15 8 240 x = = 60 13. c 14. c 15. c 16. b 54. b; Let 0.1 = a 4 17. d 18. c 19. d 20. b 0.2 = 2a

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Difference = 3x –x = 2x A + 1.5A + 2.5A = 1800 0 = 2×60 =120 65. a; x = 6 + 6 + 6 +...... ∞ 5A = 180 ⇒ 0 62. a; Time and speed are inversely A = 36 on squaring, 0 proportional. B = 1.5A = 1.5 36 = 54 x2 = 6 + + + ∞ 69. d 4 3 6 6 .... of usual time - usual time = 3 2 ⇒ x2 = 6 + x 1 3 ⇒ x 2 − x − 6 = 0 ⇒ × usual time = 3 2 ⇒ x2 − 3x + 2x − 6 = 0 3×3 9 1 ⇒ (xx − )3 + (2 x − )3 = 0 Usual time = = = 4 hours 2 2 2 ⇒ (x − )(3 x + )2 = 0 Each interior angle T ⇒ x = 3 because x ≠ - 2  R  2n − 4 12 − 4 × 1+  ×900 = ×900 63. d; A = P   1 = 100 66. a; x + = 3 n 6 x = 1200 A  R T ⇒ =  +  2 All the sides of a regular hexagon are 1  1  equal. P  100  On squaring,  x +   x  AC = CE = AE 70. d  R 5 ⇒ 2 = 1+  2 1 1 3 2   ⇒ x + = 9 − 2 = 7 + + 2 sin θ 100 x2 1+ cot 2θ 1+ tan 2θ 20  R  3 1 3 2 ⇒ 4 =  +   1  = + + 2 sin θ 2 1 Again,  x +  = 27 cosec2θ sec 2θ  100   x  = sin 2θ + 3cos 2θ + 2sin 2θ 20   1  1  2 2 ⇒ =  + R  ⇒ 3 + +  +  = = 3 (sin θ + cos θ ) = 3 16 1 x 3 3 x 27  100  x  x  71. a; Let the number be x. Hence, the principal will become 16 1 times i.e. ⇒ x3 + = 27 − 3×3 =18 Rs (16 × 12000) = Rs. 192000 3 3 3 x Then, x − x =150 4 14 x 5 =  2 1  3 1  64. c;  x +  x +  = 7×18 2 3 21x − 6x y 6  x  x  ⇒ =150 28 2   x 5 1 1 ⇒ = × .3 − 2 ⇒ x + +  x +  = 126 15x 28 150 2 − 2 2 x5  x  3x 2y = y 28×150 2 2 2 ⇒ = = y − x x x 280 − 5 1 15 1 2 ⇒ x + = 126 − 3 = 123 y 5 x 72. a; If graphs of a1x + b1y + c1 = 0 and a2x 0 0 0 +b y + c = 0 are coincident, then 67. a; Here, x + 65 + x + 100 + x + 75 = 2 2 25 3600 × − a1 b1 c1 3 2 − ⇒ 3x + 2400 = 3600 = = = 36 = 75 72 = 3 a b c ⇒ 3x = 3600 – 2400 = 1200 2 2 2 − 25 36 − 25 11 1 ⇒ x = 400 − 36 ⇒ 3 = k = 4 68. b; In ∆ ABC, − 3 − 4 k ∠ B = 1.5A; ∠ C = 2.5A

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84. b; Words are sequenced according to the Hence, from the above diagram, it is k − 4 ⇒ −1 = = English Dictionary as clear that girl is the daughter of man. − 4 k Parchment, pardon, parliament, Particle, Party 93. c; Kalpanas walking direction are as ⇒ k = 4 3 2 4 1 5 follows 0 73. d; 360 = 180000 85. c; Meaningful order is 180000 Forest, Tree, Wood, Furniture 200 = × 20 = Rs 10000 2 4 3 1 360 86. a; The pattern of the given series is 74. d; Required percentage = 40 400 4 ×100 = = 44 % 90 9 9 75. b; Income of James in 2004 87. c; 4 As BC = 8 ft, CD = EF = 5 ft, DE = CE = = ×180000 = Rs. 144000 5 7 ft Expenditure on medicine = Hence, required distance (BF) = 8- 3 7=1ft ×10000 = Rs 15000 Similarly. 2 94. c; The series is going in the following Required percentage = manner 15000 W a x w a x w a x w a x w a x ×100 = %4.10 144000 95. d 96. c; So. Only 15 player play football and 76. c; As swimming takes place in River 88. b; GOOD cannot be formed by the similarly, Hiking takes place on hockey but not cricket. letters of the given word Mountain 97. d PSYCHOLOGY because the letter 77. d; As Author writes Novel Similarly, Choreographer teaches Dance D is not present in PSYCHOLOGY 78. a 89. d; The pattern of the series is

Answer figure (d)will be the correct Hence, 9 is the wrong number. Similarly . mirror image of the question figure. 90. b; Letters are written in reverse order. 98. b ∴ B A S K E T → T E K S A B Similarly, P I L L O W → WOLLIP 91. b; Given , equation = 10 -2 + 12 × 1 ÷ 0 According to the question ,after 79. d; As. 72 = 49 and 82 = 64 interchanging the signs 99. a Similarly, 122 = 144 and 13= 169 10 + 2 -12 ÷ 1 × 0 = 12 -12 × 0 100. d; According to the statement, neither 80. c; As, 62 = 36 = 12 – 0 = 12 conclusion I nor II follows. 6 × 2 ⇒ 12 = 122 = 144 92. b; Similarly, 72 = 49 7 × 2 ⇒ 14=142 = 196 ♦♦♦♦ 81. c; Hexagon is not made from an angle. 82. b; There are three p occur in such a way that after p NO should occur. 83. d; Except Health all others are different kinds of diseases.

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1. In respect of the difference of the vertical plane. The path traced by a (b) Water from inside oozes out gravitational force from electric and person standing at the middle point of through the wall of the tumbler magnetic forces, which one of the the slipping ladder is : (c) The moisture in the air on coming following statements is true? (a) A straight line in contact with the cold surface of (a) Gravitational force is a stronger (b) An elliptical path the tumbler condenses than the other two (c) A circular path into water droplets (b) Gravitational force is attractive (d) A parabolic path (d) Both (a) and (b) only, whereas the electric and he 6. The dark lines in the solar spectrum are 10. Match the following : magnetic forces are attractive as due to : A. Conduction 1. Polished surface well as repulsive (a) Absorption of corresponding B. Convection 2. Black surface (c) Gravitational force has a very wavelengths by the prism used in C. Radiation 3. Vaccum short range the spectrograph D. Absorption 4. Air (d) Gravitational force is a long range (b) Destructive interference between 5. A solid medium force, while the other two are waves of certain definite wave (a) 5 2 3 4 (b) 5 4 3 2 short range forces lengths (c) 4 1 2 3 (d) 2 3 4 5 2. Light waves projected on oil surface (c) Absorption of corresponding 11. The term hydroponics is used to show seven colours due to the wavelengths by the outer layers describe : phenomenon of : of the sun (a) Sound propagation under water (a) Polarization (d) Absence of corresponding (b) Cultivation of plants in water (b) Refraction wavelengths from the light (c) A disease in which patient (c) Reflection emitted by the core of the sun develops fear of water (d) Interference 7. Transfer of heat energy from the sun to (d) Study of electronic devices which 3. When an incandescent electric bulb the moon takes place by : work underwater glows: (a) Radiation only 12. The ratio of the transverse deformation (a) The electric energy is completely (b) Radiation and conduction and the longitudinal deformation is converted into light energy (c) Radiation and convection called : (b) The electric energy is partly (d) Radiation, conduction and (a) Poisson ratio converted into light energy and convection (b) Bulk modulus of elasticity partly into heat energy 8. Small drops of a liquid are spherical in (c) Rigidity modulus of elasticity (c) The light energy is converted into shape because : (d) Youngs modulus of elasticity electric energy (a) The earth attracts all the particles 13. Which one of the following statements (d) The electric energy is converted of the drop equally is not correct? into magnetic energy (b) For a give volume, the surface area (a) The cathode rays originate from 4. A body initially at rest is acted upon by of a sphere is maximum cathode and proceed towards the a constant force. The rate of change of (c) The surface energy is maximum anode in a cathode-ray discharge its kinetic energy varies : for spherical shape tube (a) Linearly with square root of time (d) The surface energy is minimum (b) The television picture tubes are (b) Linearly with time for the spherical shpae nothing but cathode-ray tubes (c) Linearly with square of time 9. A glass tumbler containing ice shows (c) The cathode rays themselves are (d) Inversely with time droplets of water on the outer surface not visible 5. A person stands at the middle point of because : (d) The characteristics of cathode a wooden ladder which starts slipping (a) The outer surface of the tumbler rays depend upon the nature of between a vertical wall and the floor of shows hygroscopic effect the gas present in the cathode-ray a room, while continuing to remain in a tube

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14. The temperature at which solid melts to 22. Which of the following is not a (a) Flame cell become a liquid at the atmospheric radioactive element? b) Parenchyma Cell pressure is called its melting point. The (a) Astetin (b) Francium (c) Nematoblast melting point of a solid is an indication (c) Titanium (d) Zirconium (d) None of these of : 23. Which of the following is used in the 34. The tissue in man where no cell division (a) Strength of the intermolecular synthesis of polythene? occurs after birth is : forces of attraction (a) Methane (b) Ethane (a) Skeletal (b) Strength of the intermolecular (c) Propane (d) Butane (b) Nerves forces of repulsion 24. Which of the following metal is the (c) Connective (c) Molecular mass hardest one? (d) Germinal (d) Molecular size (a) Gold (b) Iron 35. Which part of the body is affected by 15. Nosocomial infection is : (c) Platinum (d) Lead Pyorrhea? (a) Acquired from nose of humans 25. The process of copying genetic (a) Elbow (b) Gums (b) Acquired from nasal cavity of information from one strand of DNA (c) Skin (d) Lungs animals into RNA is termed as : 36. Which one of the following is the best (c) Hosptial acquired (a) Translation source of vitamin A? (d) An endemic disease (b) Transcription (a) Apple (b) Carrot 16. The first synthetic fibre made by man (c) Replication (c) Amla (d) Raddish was : (d) Mutation 37. Highest water fall of India : (a) Reyon (b) Nylon 26. A person is unable to read a newspaper (a) Jog (b) Devtal (c) Polyester (d) Terycot without his glasses. He is most (c) Wular (d) None of these 17. The main constituent of vinegar is : probably suffering from : 38. 1st woman recipient Dhyanchand life (a) Citric acid (a) Myopia time achievement award : (b) Acetic acid (b) Presbyopia (a) Sharmila Tagore (c) Ascorbic acid (c) Astigmatism (b) Phoolan Devi (d) Tartaric acid (d) Hypermetropia (c) 18. The chemical used as a fixer in 27. Which one of the following vitamins has (d) Aparna Ghose photography is : a role in blood clotting? 39. “Dachigam sanctuary” is present in : (a) Borax (a) Vitamin A (b) Vitamin B (a) WB (b) Bihar (b) Sodium thiosulphate (c) Vitamin D (d) Vitamin K (c) MP (d) Kashmir (c) Sodium sulphate 28. Which one of the following hormones 40. Which is biggest thermal power station (d) Ammonium Persulphate contains peptide chain? of India : 19. Which of the following is to be found in (a) Oxytocin (b) Corticotropin (a) Mundra ultra mega power plant the tomato sauce? (c) Insulin (d) Cortisone (b) Vindhyachal thermal power station (a) Citric acid (b) Oxalic acid 29. Which endocrine gland requires iodine (c) super thermal power station (c) Lactic acid (d) Acetic acid to synthesize a particular hormone (d) Rajiv Gandhi thermal power station 20. Match the following : whose deficiency may cause goiter 41. Heat Quarter of “INTERPOL” : A. Evaporation 1. Liquid into gas disease? (a) France (b) Kirava B. Sublimation 2. Gas into liquid (a) Hypothalamus (c) Djakarta (d) Switzerland C. Freezing 3. Solid into gas (b) Pancreas 42. Dudhsagar Waterfalls is located in which D. Melting 4. Solid into liquid (c) Thymus state? 5. Liquid into solid (d) Thyroid gland (a) Maharashtra (a) 1 2 4 3 (b) 3 1 2 4 30. Which of the following is the smallest (b) Karnataka (c) 3 1 5 4 (d) 1 3 5 4 bone of the human body? (c) Haryana 21. Match the following : (a) Stapes (b) Nail (d) Goa List-I (c) Skull (d) Bone of the nose 43. The bilateral military exercise “Harimau A. Smoke 31. In which of the following organs of the Shakti 2018” will be conducted between B. Gel human body bone tibia is to be found? India and which country? C. Emulsion (a) Skull (a) Indonesia D. Foam (b) Leg (b) Malaysia List-II (c) Ankle-bone (c) New Zealand 1. Dispersion of gas in liquid (d) Mouth (d) South Korea 2. Dispersion of solid in solid 32. Blood does not coagulate inside the body 44. What is the theme of the 2018 World 3. Dispersion of liquid in liquid due to the presence of : Press Freedom Day (WPFD)? 4. Dispersion of liquid in solid (a) Plasma (b) Haemoglobin (a) Keeping Power in Check: Media, 5. Dispersion of solid in gas (c) Heparin (d) Fibrin Justice and The Rule of Law (a) 4 2 3 1 (b) 5 4 3 1 33. ______cells helps in (b) Media and Good Governance (c) 2 4 1 5 (d) 5 2 1 3 storing water and food materials.

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(c) Freedom of information: the right 51. What Will come at unit place of the The average charge per person for the to know product (157)157 × (153)153 entire three days is (d) 21st Century Media: New a) 1 b) 3 a) Rs.5 b) Rs.5.50 Frontiers, New Barriers c) 7 d) 9 c) Rs. 6 d) Rs.7 45. Who has been appointed the new 52. If sin(3x-200) = cos (3y-100),then the 59. A and B undertake a piece of work for chairman of the Public Accounts value of (x+y)is Rs.250 .A alone can do that work in 5 Committee (PAC) of Parliament? a) 200 b) 300 days and B alone can do that work in (a) Ghulam Nabi Azad c) 400 d) 450 15 days . with the help of C, they (b) Mallikarjun Kharge 53. A car drive leaves Bangalore at 8:30 A:M. finish the work in 3 days . If everyone (c) Jyotiraditya Scindia and expects to reach a place 300 km gets paid in proportion to work done (d) Nath from Bangalore at 12:30 PM .At 10.30 by them ,the amount C will get is 46. Two identical chairs are sold at 15% he finds that he has covered only 40% a) Rs .50 b) Rs. 100 and 20% discounts respectively and the of the distance . By how much he has c) Rs .150 d) Rs.200 overall profit is 10%. If both chairs were to increase the speed of the car in order 60. Slope of the line AB is 4/3. Co-ordinates sold at 10% discount, what could have to keep up his schedule? of the points A and B are (x, -5) and (2, been the overall profit? a) 45 km/hr b) 40 Km/hr -3) respectively . What is the value of a) 15% b) 20% c) 35 Km/hr d) 30 Km/hr x? c) 25% d) 30% 54. A, B, C start running at the same time a) 1/ 2 b) -1/4 and at the same point in the same c) 4 d) -4 m direction in a circular stadium. A 47. If tanx = and tany m +1 completes a round in 252 seconds. B Direction (Q. 61): In the following in 308 seconds and C in 198 seconds. question, select the related letter/ word/ 1 After What time will they meet again number/ pair from the given alternatives = then tan (x+y) is : at the starting point? 2m +1 61. Hair : Brush : Wig : :? a) 26 min 18 sec (a) Paper : Pen : Pencil π π b) 42 min 36 sec (b) Iron : Hammer : Axe c) 45 min a) b) (c) Bread : Butter : Milk 6 4 d) 46 min 12 sec (d) Cement : Table : Building 55. The value of the expression: X4 – 19x3 + π π 19x2 -19x +19 at x= 18, is Direction (Q. 62): In this question, three c) d) a) 0 b) 1 of the given four are alike in a certain 3 2 c) 3 d) -2 way so form a group. Choose the one 48. The height of the tower is 100 m. When 56. Three solid iron cubes of edges 4 cm, 5 which does not belong to that group. the angle of elevation of the sun cm, and 6 cm are melted together to changes from 300 to 450,the shadow of make a new cube. 62 cm3 of the melted 62. (a) LZKMSU (b) GWOURV the tower becomes x metre less. The material is lost due to improper (c) SFXPMW (d) TQUHOS value of x is: 2 handling. The area (in cm ) of the whole Direction (Q. 63): In the following a) 100 m surface of the newly formed cube is : questions, a series is given with one term b) 100 3 m a) 294 b) 343 missing. Choose the correct alternative c) 125 d) 216 from the given that completes the series. c) 100( -1) m 3 4 6 3 57.If the numbers 9 , 20 , 25 are 63. 3, 9, 11, 13, 14, 18, 24, 26, 28, 29, 33, ? 100 arranged in ascending order, then the (a) 37 (b) 35 right arrangement is (c) 39 (d) 34 d) m 64. Pointing to a man, a woman said, “ The 3 6 4 3 a) 25 < 20 < 9 daughter of his father is the only 49. If x2 = y+z,y2 = z + x, z2 = x + y then the daughter of my mother.” How is the b) 3 < 4 < 6 1 1 1 9 20 25 husband of that woman related to that man? value of + + + is 4 6 3 x +1 y 1 z +1 c) 20 < 25 < 9 (a) Sisters husband a) -1 b) 1 (b) Father d) 6 < 3 < 4 c) 2 d) 4 25 9 20 (c) Son-in-law 50. Ravi sold an item for 10% profit. Had 58. Visitors to show were charged Rs.15 (d) Son he sold it for Rs. 96 more, he would each on the first day, Rs.7.50 on the 65. If, MATHEMATICS = 12345123678, have made 18% profit. The original second day ,Rs.2.50 on the third day then MAHATHMA is equal to : selling price of the item was: and total attendance on three days (a) 12423412 (b) 12345123 a) Rs. 800 b) Rs. 1080 were in the ratio2:5:13 respectively. (c) 12345678 (d) 12425341 c) Rs. 1200 d) Rs. 1320

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66. A stands for addition, B for variance from commonly known facts subtraction, C for division, D for and then decide which of the given multiplication, E for less than, F conclusions logically follows from the for greater than and G for equal to. three given statements disregarding Out of the alternatives only one commonly known facts. Then, decide expression is correct according to the which of the answer (a), (b), (c) and (d) is letter numbers. Identify that : the correct answer? (a) 18 C 2 A 4 B 6 G 9 69. Statements (b) 6 D 4 B 12 A 4 C 2 F 18 Some bikes are cars (c) 10 C 2 D 4 B 6 E 12 Some cars are trains (d) 9 A 7 B 4 C 2 G 14 Some trains are buses Direction (Q. 67): Find the missing Conclusions number from the given responses. I. Some buses are cars 73. Four different edges of a dice are shown II. Some trains are bikes below. Study all the cases carefully and 67. III. Some buses are bikes determine. Which number is opposite (a) Only conclusion I follows to number 2? (b) Only conclusion II follows (c) Only conclusion III follows (d) None follows Direction (Q. 70): From the given answer figures, select the one in each in (a) 4 (b) 6 which the question figure is hidden/ (c) 1 (d) 3 embedded? 74. If the 1st of November falls on Monday, (a) 625 (b) 255 what day will the 25th of November (c) 735 (d) 195 70. be? 68. A word is represented by only one set (a) Tuesday of numbers as given in any one of the (b) Thursday alternatives. The sets of numbers given (c) Wednesday 1 2 in the alternatives are represented by (d) Friday 6 25 = 256 = 25 two classes of alphabets as in the two 75. How many squares are there in the matrices given below. The columns and following figure? rows of Matrix I are numbered from 0 to 4 and that of Matrix II from 5 to 9. A letter from these matrices can be represented first by its row and next column number. E.g, F can be represented by 14, 21, etc. T can be represented by 59, 78, etc. similarly, 71. Which one of the answer figures shall identify the set for the word POSE. complete the given question figure?

Matrix I Matrix II (a) 14 (b) 16 0 1 2 3 4 5 6 7 8 9 (c) 22 (d) 12 0 D E F I N 5 O P R S T 1 I N D E F 6 S T O P R ♦♦♦♦ 2 E F I N D 7 P R S T O 3 N D E F I 8 T O P R S ANSWER KEYS 4 F I N D E 9 R S T O P 1. b 2. d 3. b 4. b (a) 75, 86, 67, 14 5. c 6. c 7. a 8. d (b) 56, 67, 77, 01 9. c 10. b 11. b 12. a (c) 87, 55, 89, 43 13. d 14. a 15. c 16. b (d) 68, 98, 58, 21 17. b 18. b 19. d 20. d Direction (Q. 69): In this question below 72. Which of the answer figure is exactly 21. a 22. d 23. b 24. c are three statements followed by three the mirror image of the question figure 25. b 26. d 27. d 28. c conclusions numbered I, II and III. You when the mirror is held on line AB? 29. d 30. a 31. b 32. c have to take the three given statements 33. b 34. b 35. b 36. b to be true even if they seem to be at 37. a 38. d 39. d 40. b

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41. a 42. d 43. b 44. a 45. b ⇒ x =100()3 −1 180 Required Speed = = 90 km/ hr 46. b; Let the MRP of each chair = Rs. 100 49. b 2 Selling price of both chairs = 85+80 = ⇒ x2+x=x+y+z Rs 165 ⇒ 120 x(x+1)=x+y+z Original speed = = 60 km/ hr 165 2 cost price = × 100 = Rs 1 x Increase in speed =30 km/ hr 100 +10 ⇒ = .....(i) + + + 54. d; Required time = LCM of 252, 308 & 150 x 1 x y z 198 seconds if sold at 10% discount, S.P. would be LCM of 252, 308,198 = 2772 seconds = Rs.180 1 y Similarly , = ....(ii) Time =46 minutes 12 seconds + + + 4 3 2 180 −150 y 1 x y z 55. b; x – 19x + 19x – 19x + 19 profit = × 100 =20% =x4 – 18x3 + 18x2 -18x – x3 + x2 – x +19 150 1 z When x = 18 4 4 3 2 3 + & + = x + y + z ....(iii) Expression = 18 - 18 +18 - 18 - 18 tan x tan y z 1 + 182 -18 +19 47. b; tan( x + y) = 1− tan x × tan y Adding (i),(ii) & (iii) =1. 56. a; Volume of all three cubes 1 1 1 =(43 + 53 +63)cm3 m 1 + + = + x +1 y +1 z +1 Volume of new cube =405 -62 =343 m +1 2m +1 cm3  m    x y 3 −  × 1  =1 Edge of cube = 343 = 7 cm 1 + + + + +  m +1  2m +1 x y z x y z ∴Surface area = 6 × 72 = 294 cm2 57. d; Take LCM of 3,4 and 6 = 12 z π 1 1 + =1 4× 1 ∴x + y = + + 3 4 x y z 9 = 9 3 = 9 12 = ()6561 12 1 2× 1 12 50. d; Let cost price = x 25 = ()625 12 × 48. c like this 1.18x – 1.10x = 96 ⇒ x= Rs. 1200 1 1 3× 1 4 Original S.P = 1.10 × 1200 =Rs. 1320 20 = 20 4 = 20 12 = ()8000 12 51. a; The digit at unit place remains same 1 1 for powers 1, 5, 9, 13 ...... 153, 157 2× 1 and 6 Therefore the digit at unit place of 25 = 256 = 25 12 = ()625 12 (157)157 = 7 And the digit at unit place of (153)153 = So, correct order is = 6 25 < 3 3 4 ⇒ The digit at unit place of the 9 < 20 Let AB be the tower and AC and AD product = 1 58. a be its shadow at the two moment 52. c; Sin (3x - 200) = cos (3y – 100) Value = 15 7.5 2.5 ⇒ BD sin(3x – 200) = sin (900 – 3y + 100) Quantity = 2 5 13 Now, =Cot 450 = 1 So, Average charge per person [ cos θ = Sin (900 -θ )] AB  + + ⇒ 0 0 30[ 5.37 ]5.32 ⇒ BD =100 m 3x - 20 = 100 – 3y = ⇒ 3(x +y) =1200 20 BC = cot 300 ⇒ x + y = 400 100 AB 53. d; Distance covered by car in 2 hours = = 5 20 + × ⇒ BD CD = 300 40 3 = = 120 km 1 AB 100 59. a; Work done by A in 1 day = Remaining distance = 300 – 120 = 5 100 + x ⇒ = 3 180 km Remaining time =4 - 2 = 2 hours 1 100 Work done by B in 1 day = 15 ⇒100 + x =100 3

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Work done by (A+B+C ) in 1 day = 67. b; Proceed clockwise starting with the lowest number in the following manner 1 7 × 2 + 1 = 15 3 15 × 2 + 1 = 31 Hence work done by c in 1 day = 31 × 2 + 1 = 63 63 × 2 + 1 = 127   1 −  1 + 1  = 1 127 × 2 + 1 = 255 3  5 5  15 68. b P ⇒ 56, 68, 75, 87, 99 Ratio of efficiency of A , B & C = 3:1:1 O ⇒ 55, 67, 79, 86, 98 Clearly, there are four, three, two and ∴ The amount that C will get S ⇒ 58, 65, 77, 89, 96 one squares in the first, second, third and fourth rows (counting from 250 E ⇒ 01, 13, 20, 32, 44 × bottom). Respectively. Besides, there = 1 =Rs. 50 69. d; According to the question venn 5 are four more squares, namely – diagram is, 60. a; We know DGQR, EHMO, FILN and RFQN. − Hence, there are a total of fourteen y2 y1 squares in the figure. m = − x2 x1 Conclusion I, II, III are none follows. ♦♦♦♦ 4 − 3 + 5 70. d ⇒ = VANIKS KNOWLEDGE GARDEN 3 2 − x LIST OF FOREIGN BANK & THEIR ⇒ 4(2-x)=3 × 2 HEAD QUARTERS ⇒ Bank Country 8 – 4x =6 AB Bank Ltd. Bangladesh ⇒ 4x =2 ABN AMRO Bank Netherland Answer figure is embedded in answer Bank of Nova Scotia Canada 1 figure (d). ⇒ x = 71. b; From option (b) BNP Paribas Bank France 2 CTBC Bank Co. Ltd. Taiwan 61. b; The first is used for second and third. DBS Bank Singapore 62. b; Except option (b), all are the addition of place value as they appear in the FirstRand Bank Ltd South Africa alphabet, a odd number. J.P. Morgan USA 63. c JSC VTB Bank Russia KBC Bank NV Belgium 72. c; Bank UK 64. b; The husband of that woman is the Shinhan Bank South Korea father of that man. Sumitomo Mitsui Bank Japan 65. a Bank of Bahrain & Kuwait Bahrain BSC Sri Lanka 73. c; Figures (i), (ii) and (iii) show that Berclays Bank UK numbers 6, 4, 3 and 5 appear on the Citi Bank USA adjacent surface of the number 2. Woori Bank South Korea 66. d; Hence, number 1 will be opposite to number 2. Deustsche Bank Germany ⇒ ⇒ ⇒ ÷ A + B - C 74. b; 1st of November falls on Monday. So, HSBC Ltd Hong Kong D ⇒ × E ⇒ < F ⇒ > the dates 8, 15, 22 also occur on Mashreq Bank PSC UAE G ⇒ = Monday, So, it will be Thursday on Mizuho Bank Ltd. Japan the 25th November. From option (d), UK 9 A 7 B 4 C 2 G 14 75. a; The figure in question may be labelled shown in the following figure, Scotia Bank Canada ⇒ 9 + 7 – 4 ÷ 2 = 14 Sonali Bank Ltd. Bangladesh ⇒ 9 + 7 – 2 = 14 United Overseas Bank Ltd Singapore ⇒ 14 = 14

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LIST OF COUNCIL OF MINISTERS Prime Minister and also in-charge of: Personnel, Public Grievances and Pensions; Department of Atomic Energy; Department of Narendra Modi Space; and All important policy issues; and All other portfolios not allocated to any Minister. Rajnath Singh Home Sushma Swaraj External Affairs Arun Jaitley Finance and Corporate Affairs *(Absent due to illness) Piyush Goyal Railways, Coal, *Ministry of Finance & Corporate Affair Road Transport and Highways; Shipping; and Water Resources, Nitin Jairam Gadkari River Development and Ganga Rejuvenation. Suresh Prabhu Commerce and Industry. D.V. Sadananda Statistics and Programme Implementation. Gowda Uma Bharati Drinking Water and Sanitation. Ramvilas Paswan Consumer Affairs, Food and Public Distribution. Maneka Sanjay Women and Child Development Gandhi Ananthkumar Chemicals and Fertilizers; and Parliamentary Affairs Ravi Shankar Prasad Law and Justice; and Electronics and Information Technology Jagat Prakash Nadda Health and Family Welfare Ashok Gajapathi Raju Civil Aviation Pusapati Anant Geete Heavy Industries and Public Enterprises. Harsimrat Kaur Badal Food Processing Industries Narendra Singh Tomar Rural Development; Panchayati Raj; and Mines. Chaudhary Birender Steel. Singh Jual Oram Tribal Affairs Radha Mohan Singh Agriculture and Farmers Welfare. Thaawar Chand Social Justice and Empowerment. Gehlot Smriti Zubin Irani *Textiles Science and Technology; Earth Sciences; and Environment, Forest Dr. Harsh Vardhan and Climate Change. Prakash Javadekar Human Resource Development Petroleum and Natural Gas; and Skill Development and Dharmendra Pradhan Entrepreneurship. Nirmala Sitharaman Defence Mukhtar Abbas Naqvi Minority Affairs.

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MINISTERS OF STATE (INDEPENDENT CHARGE)

Rao Inderjit Singh Planning; and Chemicals and Fertilizers. Santosh Kumar Labour and Employment. Gangwar Ayurveda, Yoga and Naturopathy, Unani, Siddha and Shripad Yesso Naik Homoeopathy (AYUSH). Giriraj Singh Micro, Small and Medium Enterprises. Development of North Eastern Region; Prime Ministers Office; Dr. Jitendra Singh Personnel, Public Grievances and Pensions; Department of Atomic Energy; and Department of Space. Dr. Mahesh Sharma Culture; and Environment, Forest and Climate Change. Manoj Sinha Communications; and Railways. Col. Rajyavardhan Youth Affairs and Sports; and Information and Broadcasting. Singh Rathore Raj Kumar Singh Power; and New and Renewable Energy Hardeep Singh Puri Housing and Urban Affairs. Alphons *Tourism Kannanthanam

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 MINISTERS OF STATE

Shiv Pratap Shukla Finance. Parliamentary Affairs; and Statistics and Programme Vijay Goel Implementation. Ashwini Kumar Health and Family Welfare. Chaubey Virender Kumar Women and Child Development; and Minority Affairs Anantkumar Hegde Skill Development and Entrepreneurship. Gajendra Singh Agriculture and Farmers Welfare. Shekhawat

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Human Resource Development; and Water Resources, River Dr. Satya Pal Singh Development and Ganga Rejuvenation. General(Retd.) V.K. External Affairs. Singh Santosh Kumar Finance Gangwar Faggan Singh Kulaste Health and Family Welfare S.S. Ahluwalia Drinking Water and Sanitation. Ramdas Athawale Social Justice and Empowerment. Ram Kripal Yadav Rural Development. Haribhai Parthbhai Mines; and Coal. Chaudhary Giriraj Singh Micro, Small and Medium Enterprises Hansraj Gangaram Ahir Home Affairs. Ramesh Chandappa Drinking Water and Sanitation Jigajinagi Rajen Gohain Railways. Parshottam Rupala Agriculture and Farmers Welfare; and Panchayati Raj. M.J. Akbar External Affairs. Upendra Kushwaha Human Resource Development. Radhakrishnan P. Finance; and Shipping. Kiren Rijiju Home Affairs Krishan Pal Social Justice and Empowerment. Jasvantsinh Sumanbhai Tribal Affairs. Bhabhor Vishnu Deo Sai Steel Sudarshan Bhagat Tribal Affairs. Y.S. Chowdary Science and Technology; and Earth Sciences Jayant Sinha Civil Aviation. Babul Supriyo Heavy Industries and Public Enterprises. Sadhvi Niranjan Jyoti Food Processing Industries. Vijay Sampla Social Justice and Empowerment. Parliamentary Affairs; and Water Resources, River Development Arjun Ram Meghwal and Ganga Rejuvenation. Ajay Tamta Textiles Krishna Raj Agriculture and Farmers Welfare. Road Transport and Highways; Shipping; and Chemicals and Mansukh L. Mandaviya Fertilizers. Anupriya Patel Health and Family Welfare

111 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 GOVERNOR & CHIEF MINISTER OF STATE

S. STATE AND U.T. CHIEF MINISTER GOVERNOR NO 1 Andaman & Nicobar U.T. Devendra Kumar Joshi 2 Andhra Pradesh N. Chandrababu Naidu Shri. E. S. L. Narasimhan 3 Arunachal Pradesh Pema Khandu B.D. Mishra 4 Assam Sarbananda Sonowal Jagdish Mukhi 5 Bihar Nitish Kumar Satyapal Malik 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 Jai Ram Thakur Acharya Dev Vrat 12 Jammu and Kashmir Mehbooba Mufti Sayeed Narinder Nath Vohra 13 Jharkhand Raghubar Das Draupadi Murmu 14 Karnataka H.D. Kumaraswami Vajubhai Rudabhai Vala 15 Kerala PinarayiVijayan P. Sathasivam 16 Madhya Pradesh Shri Shivraj Singh Chouhan Anandiben Patel 17 Maharashtra Devendra Fadnavis Chennamaneni Vidyasagar Rao 18 Manipur N. Biren Singh NajmaHeptullah 19 Meghalaya Conard Sangam Ganga Prasad 20 Mizoram Lal Thanhawla Kummanam Rajasekharam 21 Nagaland Neiphiu Rio Shri Padmanabha Balakrishna Acharya 22 New Delhi ArvindKejriwal Anil Bijal 23 Odisha Sh. Naveen Patnaik Ganeshi Lal 24 Puducherry V. Narayanasamy Kiran Bedi 25 Punjab Captain Amarinder Singh V P Singh Badnore 26 Rajasthan Vasundhara Raje Kalyan Singh 27 Sikkim ShriPawan Kumar Chamling Shriniwas Dadasaheb Patil 28 Tamil Nadu Eddappadik Palaniswami Banwaril Lal Purohit 29 Telangana K Chandrasekhar Rao ESL Narasimhan 30 Tripura Biplap Kumar Dev 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 Khodapatel 35 Daman and Diu U.T. Prafula Khodapatel 36 Lakshadweep U.T. Farooq Khan

112 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] MAGAZINE FOR THE MONTH OF AUGUST 2018 BUREAUCRATS 1. National Security Adviser-Ajit Doval 2. Cabinet Secretary of India-Pradeep Kumar Sinha 3. Attorney General of India-K. K. Venugopal 4. Solicitor General of India- 5. Home Secretary-Rajiv gauba 6. Finance Secretary-Hasmukh Adhia 7. Foreign Secretary-Vijay Keshav Gokhale 8. Defence Secretary- Sanjay Mitra 9. Secretary-General of the Lok Sabha-Snehalata Srivastava (She succeed Anup Mishra) 10. Secretary-General of the Rajya Sabha-Desh Deepak Verma 11. Speaker, Lok Sabha- Sumitra Mahajan 12. Deputy Speaker, Lok Sabha- M. Thambidurai 13. Deputy Chairman, Rajya Sabha-PJ Kurien 14. Principal Scientific Adviser-R. Chidambaram 15. Director,National Technical Research Organisation-Alok joshi 16. Chief Economic Adviser-Arvind Subramanian 17. Permanent Representative of India to the United Nations-Syed Akbaruddin 18. Chairman, Railway Board-Ashwani Lohani 19. Chief Justice of India-Dipak Misra 20. Comptroller and Auditor-General of India-Rajiv Mehrishi 21. Chief Election Commissioner of India-Om Prakash Rawat 22. Election Commissioner-Sunil Arora 23. Chairperson, NITI Aayog-Prime Minister N.Modi 24. Vice President, NITI Aayog-Rajiv Kumar 25. CEO, NITI Aayog- Amitabh Kant 26. Chairman, ISRO-AS Kiran Kumar 27. Defence Research and Development(DRDO) Secretary -Dr.S.Christopher, 28. Principal Secretary to PM - Nirpendra Mishra 29. Director, Enforcement Directorate-Kamal Singh

PERMANENT COMMISSIONS OFFICE-HOLDERS 1. Chairman, National Human Rights Commission of India-H. L. Dattu 2. Chairman, Central Vigilance Commission-K. V. Chowdhary 3. Chairman, Central Information Commission-R. K. Mathur 4. Chairperson, Central Board of Direct Taxes -Sushil Chandra 5. Chairman, National Commission for Minorities-Syed Ghayorul Hasan Rizvi 6. Chairman, National Commission for Scheduled Castes-Ram Shankar Katheria 7. Chairman, National Commission for Scheduled Tribes -Nand Kumar Sai 8. Chairman, National Commission for Backward Classes- vacant 9. Chairman, National Commission for Women-Rekha Sharma 10. Chairman, Atomic Energy Commission of India-Sekhar Basu 11. Chairman, ISRO-K. Sivan 12. Chairman, National Forest Commission-B. N. Kirpal 13. Chairman, Union Public Service Commission-Vinay Mittal 14. Chairman, University Grants Commission-V. S. Chauhan 15. Chairman, Central Water Commission-Narendra Kumar 16. Director, Space Applications Centre-Tapan Misra 17. Chairman, Competition Commission of India-Devender Kumar Sikri 18. Chairman, CBSE (Central Board of Secondary Education)-Anita Karwal 19. Chairperson, Central Board of Excise & Customs-Ms. Vanaja N. Sarna

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20. Chairman, FSSAI(Food Safety and Standards Authority of India)-Ashish Bahuguna 21. Chairman, National Highways Authority of India-Deepak Kumar 22. Chairman, Central Board of Film-Prasoon Joshi 23. Chairman, Childrens Film Society of India-Mukesh Khana 24. Chairman, Press Council of India -CK Prasad 25. Chairman, Press Trust of India-Viveck Gonka 26. Chairman, Telecom Regulartory Authority of India (TRAI)-Ram Sevak Sharma 27. Chairperson, National Green Tribunal-Umesh Dattatraya Salvi 28. Director, NCERT(National Council of Educational Research and Training)-Hrushikesh Senapaty 29. Director General, Archaeological Survey of India-Rakesh Tewari 30. Chairperson, Staff Selection Commission -Ashim Khurana 31. Director General, Delhi Metro Rail Corporation-Mangoo Singh DEFENCEAND SECURITY 1. Chief of the Army Staff-General Bipin Rawat 2. Chief of the Air Staff-Air Chief Marshal Birender Singh Dhanoa (also Chairman of Joint Chiefs of Staff Committee) 3. Chief of the Naval Staff-Admiral Sunil Lanba 4. Chief of Integrated Defence Staff-air marshall p p reddy 5. Director, Research and Analysis Wing-Anil Dhasmana 6. Director, Intelligence Bureau-Rajiv Jain 7. Director General, Military Intelligence-Lieutenant General K. G. Krishna 8. Director, Central Bureau of Investigation-Alok Kumar Verma 9. Director General, Border Security Force-K. K. Sharma 10. Director General, Central Reserve Police Force-Rajiv Rai Bhatnagar 11. Director General, Central Industrial Security Force-O. P. Singh 12. Director General, Indo-Tibetan Border Police-R. K. Pachnanda 13. Director General, National Security Guard-Sudeep Lakhtakia 14. Director General, National Investigation Agency-Y.C. Modi 15. Director General, National Disaster Response Force-Sanjay Kumar 16. Director General,SSB-Rajni Kant Mishra HEADS OF FINANCIAL BODIES th th 1. C hairm an, 14 Finance Commission of India-Y. Venugopal Reddy, 15 Finance Commission-N.K. Singh 2. Governor of Reserve Bank of India-Urjit Patel 3. Chairman, Securities and Exchange Board of India-Ajay Tyagi 4. Chairman, Insurance Regulatory and Development Authority of India-T. S. Vijayan 5. Chairman, 7th Pay Commission-Ashok Kumar Mathur 6. Chairman, Small Industries Development Bank of India-Muhammad Mustafa 7. Chairman, Company Law Board-Mahesh Kumar Mittal 8. Chairman and Managing Director, Export-Import Bank of India- David Rasquinha 9. CEO and Managing Director, -Sriram Kalyanaraman 10. Chairman, National Bank for Agriculture and Rural Development-Harsh Kumar Bhanwala 11. CEO and Managing Director, Industrial Finance Corporation of India-Dr. Emandi Sankara Rao 12. Chairman, National Stock Exchange-Ashok Chawla 13. Chairman, -Sethuratnam Ravi 14. Chairperson, State Bank of India-Rajnish Kumar 15. Chairman, IDBI-Mahesh Kumar Jain 16. Chairman, Life Insurance Corporation of India-V. K. Sharma 17. President, Federation of Indian Chambers of Commerce and Industry-Pankaj Patel 18. Chairman, Pension Fund Regulatory and Development Authority-Hemant G. Contractor 19. President, Confederation of Indian Industry-Shobhana Kamineni 20. President, ASSOCHAM-Sandeep Jajodia 21. Chairman, National Statistical Commission-Radha Binod Barman 22. Chairman of Indian Bank Associations- Rajeev Rishi 23. CMD & CEO of Indian Post Payment Bank (IPPB) - Suresh Sethi ♦♦♦♦

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Acronyms Abbreviations ACS Automated Clearing Systm. AD Authorized Dealer. CGRA Currency and Gold Revaluation Account. ADB Asian Development Bank. CIBIL Credit Information Bureau of India Limited Currency Management Information ADF Automated Data Flow CMIS System AEPS Aadhaar Enabled Payments Switch CNP Card Not Present AFS Annual Financial Statement. CPFF Commercial Paper Funding Facility AIC Agricultural Insurance Company. CPI Consumer Price Index. AIF Alternative Investment Fund CRAR Capital To Risk Weighted Asset Ratio. ALCO Asset Liability Committee CRISIL Credit Rating Information Services Of India ALM Asset Liability Management CRMD Credit Risk Management Department. AMFL Association of Mutual Funds in India. CRR Cash Reserve Ratio. AML Anti-Money Laundering CSR corporate social responsibility AMRMS Audit and Risk Monitoring Mechanism CTI Country Threat Index. ANBC Adjusted Net Bank Credit DPG Deferred Payment Guarantee APBS Aadhaar Payment Bridge System DPN Demand Promissory Note ARC Asset Reconstruction Companies DRAT Debt Recovery Appellate Tribunal ASBA Applications Supported Bank Accounts DRI Differential Rate Of Interest Associated Chambers of Commerce and DSCR Debt Service Coverage Ratio ASSOCHAM Industry of India. DTAA Double Taxation Avoidance Agreement. ATM Automated Teller Machine. European Bank for Reconstruction and EBRD BCBS Basel Committee on Banking Supervision Development. BCSBI Banking Codes and Standards Board of India ECB External Commercial Borrowings. BIS Bank for International Settlements. ECS Electronic Clearing System. BOE Bill of Exchange EDF Export Development Fund BOP Balance of Payments. EDI Electronic Data Internchange BOT Build,Operate and Transfer. EDP Entrepreneurship Development Programme BSCS Basel Committee on Banking Supervision. EEFC Exchange Earners Foreign Currency BSE Bombay Stock Exchange. EFTPOS Electronic Funds Transfer At Point Of Sale BSR Basic Statistical Returns. EIB European Investment Bank. CAD Current Account Deficit ELSS Equity Linked Saving Scheme. CAR Capital Adequacy Ratio EMI Equated Monthly Instalments CARE Credit Analysis and Research Limited EPFO Employees Provident Fund Organisation EPOS Electronic Point Of Sale CASA Current and Savings Accounts EPS Earning per Share CBLO Collateralized Bank Lending Obligations ESOP Employee Stock Options CBS Core Banking Solution. EXIM Export Import Bank of India. CCIL Clearing Corporation of India Limited FCA Foreign Currency Assets. CCL Cash Credit Limit FCCB Foreign Currency Convertible Bond CDB Caribbean Development Bank. FCNR Foreign Currency Non Resident Deposit Accounts Committee of Direction on Banking CDBS Statistics. FCNRA Foreign Currency Non resident Account. FDI Foreign Direct Investment. CDRS Corporate Debt Restructuring FEDAI Foreign Exchange Dealers Association Of India CDS Credit Default Swap. FERA Foreign Exchange Regulation Act. Comprehensive Economic Partnership CEPA Federation of Indian Chambers of Commerce and Management. FICCI Industry. CFRA Combined Finance and Revenue Accounts.

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FII Foreign Institutional Investor. KCC Kisan Credit Card Financial Information Network and FINO Operation Limited KMB Kotak Mahindra Bank. FIPB Foreign Investment Promotion Board. KVB . FPI Foreign Portfolio Investment. KVIC Khadi and Village Industries Corporation FTA Free Trade Agreement. KVP Kisan Vikas Patra GAAR General Anti Avoidance Rule. KYC Know Your Customer Guidelines GDR Global Depository Receipt. LAB Local Area Bank. GFD Gross Fiscal Deficit. LAF Liquidity Adjustment Facility GIRO Government Internal Revenue Order. LAMPS Large Sized Adivasi Multipurpose Societies GMS Gold Monetisation Scheme LDB Land Development Bank. GSTN Goods and Services Network LERMS Liberalized Exchange Rate Management System HDFC Housing Development Finance Corporation. LIBOR London Inter Bank Offered Rate. IADB Inter American Development Bank. LIC Life Insurance Corporation Of India IAS Integrated Accounting Systems LTCG Long-Term Capital Gains IBBI Insolvency and Bankruptcy Board of India LTN Long Term Note International Bank for Reconstruction and MCA Ministry Of Company Affairs IBRD Development MCLR Marginal Cost Of Lending Rate IBU International Banking Unit MFDF Micro Finance Development Fund ICA Indian Council of Agricultural Research. MIBOR Mumbai Inter Bank Offer Rate. Industrial Credit and Investment Corporation ICICI MICR Magnetic Ink Character Recognition of India. MIS Management Information System Investment Information and Credit Rating ICRA MSS Market Stabilisation Scheme Agency of India Limited MTN Medium Term Note IDB Islamic Development Bank. MUDRA Micro Units Development And Refinance Agency IDBI Industrial Development Bank of India. National Bank For Agricultural And Rural IDR Indian Depository Receipts. NABARD Development. Institute for Development and Research Of IDRBT Banking NAS National Account Statistics. IEPF Investors Education and Protection Fund NAV Net Asset Value. IFC International Finance Corporation NBC Non Banking Companies. IIB International Investment Bank. NBFC Non Banking Finance Companies IIBF Indian Institute of Banking and Finance. NDA Net Domestic Asset IMF International Monetary Fund. NDS Negotiated Dealing Systems IMPS Immediate Payment Service NDTL Net Demand And Time Liability IMT Instant Money Transfer NECS National Electronic Clearing System IOB . NEFT National Electronic Funds Transfer System. IPO Initial Public Offering NFA No Frills Account. IPPB NFC Non Banking Finance Companies. IRBI Industrial Reconstruction Bank Of India. NFS National Financial Switch Insurance Regulatory and Development NHB National Housing Bank. IRDA Authority of India NIB Nordic Investment Bank. IROs Interest rate options NPA Non Performing Assets. IRR Internal Rate Of Return. NPCI National Payments Corporation Of India International Standard Industrial ISCI NPS National Pensions Scheme. Classification NPV Net Present Value

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NRE Non Resident External Account SCC Selective Credit Control. NRI Non Resident Indian SDBS Service Discharge Benefit Scheme NSE National Stock Exchange. SDR Special Drawing Rights National Scheduled Castes Finance And NSFDC SEBI Securities and Exchange Board of India Development Corporation SEPA Single Euro Payment Area. OCB Overseas Corporate Bodies SFMS Structured Financial Messaging Services ODIs Offshore/Overseas Derivative Instruments SGB Sovereign Gold Bond Organisation For Economic Cooperation And OECD SHG Self Help Group Development Small Industries And Development Bank Of OLTAS Online Tax Accounting System SIDBI India. OMO Open Market Operations SIDC State Industrial Development Corporation OTCEI Over the Counter Exchange Of India Systematically Important Financial SIFI OTP One-Time Password Intermediaries PACS Primary Agricultural Credit Societies SLR Statutory Reserve Ratio PAN Scheme for Liberation and Rehabilitation of SLRS PDO Public Debt Office Scavengers Pension Fund Regulatory and Development SME Small and Medium Industries PFRDA Authority SMERA SME Rating Agency of India Limited PGS Payment Gateway System. SIDBI Loan for small SMILE PIN Personal Identification Number Enterprises PIS Portfolio Investment Scheme SPNS Shared Payment Network System. P-Notes Participatory Notes SSI Small Scale Industries POA Power of Attorney SSSBE Small Scale Service and Business Enterprises Society For World Wide Inter Bank Financial PoS Point of Sale SWIFT PPF Public Provident Fund Telecommunication. PPIs Prepaid Payment Instruments TDS Tax Deducted at Source PRSF Partial Risk Sharing Facility TIN Tax Information Network QIB Qualified Institutional Bankers UBIN Unique Business Identification Number RBI Reserve Bank of India UCB Urban Cooperative Bank. RBS Royal Bank of Scotland. UCNs Uniform Code Numbers RDBMS Relational Database Management System UEBA Universal Electronic Bank Account. Recovery of Debt due to Banks and Financial UIDAI Unique Identification Authority of India RDDBFI Institutions UPI Unified Payments Interface REC Rural Electrification Corporation UPIN Unique Property Identification Numbers. RFC Resident Foreign Currency USB Ultra Small Branch. RIDF Rural Infrastructure Development Fund USD United States Dollar. RoA Return On Assets UTI Unit Trust of India RoE Return On Equity VDBS Vertically Differentiated Banking System. RRB . VPA Virtual Payment Address RTGS Real Time Gross Settlement System. WBCIS Weather Based Crop Insurance Scheme. RWA Risk Weighted Assets WCTL Working Capital Term Loan Securitization and Reconstruction of WL ATM White Label ATM. SARFAESI Financial Assets and Enforcement of WMA Ways and Means Advances Security Interest WPI Wholesale Price Index SBI State Bank of India YTM Yield to Maturity SCB Scheduled Commercial Bank ♦♦♦♦

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1. Addis Ababa capital of – Ethiopia 40. Gandhi Stadium or Burlton Park or B.S.Bedi Stadium –

2. FCNR R stands for – Foreign Currency Non- Jalandhar, Punjab Repatriable account 41. Nathpa Jakhri Dam – Himachal Pradesh 3. AEBA -B stands for – Aadhaar Enabled Bank 42. Securities market regulated by – SEBI Accounts 43. Chitwan National Park – Kathmandu, Nepal 4. Negotiable instruments act 1881 – cheque related to – 44. 22 March – World Water Day Section 6 B 45. Vijaywada situated near – Krishna river 5. Banking ombudsman – RBI 46. Payment Regulatory Board Chairman – Governor of RBI 6. 8 March – International Womens Day 47. Cancer day theme – We can I can. 7. Winter Olympics 2018 host – Pyeongchang 48. Saxo Bank HQ – Denmark 8. Himachal Pradesh second capital – Dharamsala 49. Securities in electronic form – Dematerialization 9. Tamilnad Mercantile Bank HQ – Thoothukudi 50. SIP investment scheme – Mutual Funds 10. Bhimbetka rock shelters – Madhya Pradesh 51. Thai Pongal – Tamil Nadu 11. Worlds biggest cricket stadium, to accommodate 1.10 52. H.Q. of International Fund for Agricultural Development lakh spectators – Gujarat – Rome 12. Nagarhole National Park – Karnataka 53. Headquarter of - Manipal, Karnataka 13. CERSAI Hq – New Delhi 54. Hemis National Park – J & K 14. Banking ombudsman appointed by – Reserve bank of 55. A money in bank account is treated as Unclaimed money India deposit after how years? – 10 years 15. Ambedkar birthday 2017 – water day 56. Baglihar Hydroelectric power plant ? – J&K 16. Pan card compulsory for all accounts except – PMJDY 57. Belgrade is the capital of ? – Serbia Account 58. Headquarter of ?- Germany 17. Multilateral Investment Guarantee Agency HQ – 59. IDA Headquarters ? – Washington, D.C Washington, D.C 60. Indra navy exercise with? – Russia 18. First National Voters Day – 2011 61. Largest network of shared ATMs in India? – National 19. “Forge your future” boob by – A. P.J Abdul Kalam Financial Switch(NFS) 20. iMobile launched by – ICICI 62. Law related to DISHONORNING OF CHEQUE 21. Worlds first diamond trading exchange – Singapore in section 138. Diamond Investment Exchange (SDiX) 63. Maximum limit of Shishu ? – Rs 50000 22. Bleed lines in 2000 rupee note – Seven 64. Maximum loan under Standup India? – Rs 1 crore 23. National Youth day – 12th January 65. Naira is a currency of ? – Nigeria 24. The first non-UTI Mutual Fund established by – SBI 66. Sathyamangalam Wildlife Sanctuary – Tamil Nadu 25. GST comes under which amendment bill – 101st 67. Maharana Pratap Sagar dam- HP 26. Full form of UJALA – Unnat Jyoti by Affordable LEDs 68. Asian Games 2018 – Indonesia for All 69. EMI – Equated Monthly Installment 27. Maximum balance in the BSBDA account should not 70. Pradhan Mantri Krishi Sinchai Yojana (PMKSY) initial exceed fifty thousand rupees at any time corpus – 500 billion 28. First payment bank got license – Airtel 71. Book “Death Under the Deodars” is written by – Ruskin 29. Initial capital required for Payment bank – Rs. 100 crore Bond 30. The first Indian batsman to score a triple-century – 72. Summer Olympics 2020 – Tokyo 73. Manama is the Capital of – Bahrain 31. Notice money – 2 to 14 Days 74. HQ of RBL Bank – Mumbai, Maharashtra 32. Good Governance Day – Atal Bihari Vajpayee 75. HQ of South Indian bank – Thrissur, Kerala 33. Indias first social innovation centre – Telangana 76. March 15 – International Consumer Rights Day 34. Headquarters of PNB – New Delhi 77. HQ of Karnataka bank – Mangalore 35. Rs. 2000 production cost – Rs. 3.54 78. Namdapha National Park – Arunachal Pradesh 36. Indias first transgender school opens in Kerala 79. AIPB Stands for – Accelerated Irrigation Benefits 37. Mysuru gets Indias 1st post office passport kendra Programme 38. Punjab & Sindh bank HQ – New Delhi 80. Sonali Bank Limited – Bangladesh 39. IAEA HQ – Vienna, Austria

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81. Full form of IAEA – International Atomic Energy 119. G urudongm ar L ake – Sikkim Agency 120. For FDI up to 49 per cent, the approval of the Foreign 82. 28th February – National Science Day Investment Promotion Board is required. 83. 24×7 Fund Transfer Facility – IMPS 121. FDI in Payment Banks 74% – The foreign shareholding 84. Full form of IMPS – Immediate Payment Service in the payments bank should be as per the Foreign Direct 85. The Indirasagar Dam is a multipurpose project of Madhya Investment (FDI) policy for private sector banks. Pradesh on the Narmada River 122. OCMC – Online Consumer Mediation Centre 86. RBI launches which portal to collect illegal money – 123. Gobind Sagar dam – Himachal Pradesh Sachet 124. kumarakom bird sanctuary – Kerala 87. Minimum age for opening a bank account – 10 years 125. Which operates in hourly batches – NEFT 88. The Range of loan in – 10 Lakh to 100 126. P in EFTPOS stands for – Point Lakh 127. Commercial Papers are issued by – Corporate 89. Tamor Pingla Wildlife Sanctuary – Chhattisgarh companies 90. Indias first International exchange BSE INDIA INX 128. HQ – Utrecht, Netherlands. inaugurated in – Gujrat, Gandhinagar 129.Initially shares in RBI owned by – Private 91. Headquarter of J.P Morgan Chase Bank – New York, shareholders USA 130. Author of the book, “Immortals of Meluha” – Amish 92. United Nations has declared the year 2017 as the – Tripathi International Year of Sustainable 131. Micro ATMs connects to server via – GPRS 93. Kalidas Samman award – Classical Music, Classical 132. International Criminal Court – The Hague, Netherlands Dance, Theatre and Plastic Arts 133. SHCIL is the only central record keeping agency of india 94. No transactions in the account for over a period of two 134. OTP is not required for transaction upto 2000 rs years – Inoperative Accounts / Dormant Accounts 135. Micro credit ”loan of very small amount” to poor 95. Tarun, Kishore and Shishu loan schemes – Pradhan 136. If an Account is not used for 2 years is called inoperative Mantri Mudra Yojana(PMMY) or dormant Account . 96. Bhim app is based on – UPI 137. BSBDA account valid for a period of 12 months initially 97. Chhabra Thermal Power Plant – Rajasthan . 98. Bannerghatta national Park – Karnataka 138. Specific risk is not the type of market risk 99. JSCA International Stadium complex – Ranchi, India 139. NACH (National Automated Clearing House) is used 100. Mitra Shakti Military exercise between which country – for - making bulk transactions India and Srilanka 140. FDI limit in private banks is 74% 101. Headquarter – Pune, Maharashtra 141.Mobile Money Identifier (MMID) is a seven 102. World Economic Forum Headquarters – Cologny, digit unique number Switzerland 142. Rajiv Gandhi international stadium – Hyderabad 103. Which State has Highest Population according to census 143. Aanchal Thakur related to – Skiing 2011 – Uttar Pradesh 144.Central Road & Transport Institute- Pune, 104. Kohima – Capital of Nagaland Maharashtra 105. THE DRAMATIC DECADE : The Indira Gandhi Years 145. Somasila Project- Andhra Pradesh – by Pranab Mukherjee 146. L in NCLT- Law( National Company Law Tribunal) 106. Shanti Swarup Bhatnagar Prize for Science and 147. C in CRR- Cash(Cash Reserve Ratio) Technology 148. Gangtok is the capital of- Sikkim 107. Resident individuals and professionals with 10 149. Social network mandated to link Aadhaar to its Account- years experience in banking and finance are eligible to Facebook promote universal banks. 150. Naseem Al Bahar Exercise between India and – Oman 108. While giving banks this freedom, RBI had said a uniform 151. Member Of BIMSTEC- Myanmar rate will have to be offered on deposits of up to Rs. 1 152. Paytm partner with whom for fixed deposit- IndusInd lakh Bank 109. Capital of Mizoram – Aizwal 153. What is the amount of PMJJY- Rs.330 110. Indian Overseas Bank Head office – Chennai 154. Prague is the capital of which country- Czech Republic 111. Dachigam national Park – Jammu and kashmir 155. 13th February – World Radio Day 112. Author of the Book “India 2020” – A.P.J Abdul Kalam 156. Imperfect is an autobiography of- 113. lake – Andhra Pradesh 157. F in MSF- Facility (Marginal Standing Facility) 114. WTO headquarters – Geneva, Switzerland 158. The headquarters of Catholic Syrian Bank- Kerela 115. Dronacharya award related to – Sports coaches 159. RBI stated to provide Banking Services at the doorstep 116. 2018 Commonwealth Judo Games – India for the people above- 70 years 117. World Cancer Day – February 4 160. 2018 Blind Cricket World Cup winner – India 118. Shaheed Veer Narayan Singh Cricket Stadium – Raipur, Chhattisgarh

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161. The meaning of “S” in SWIFT- Society (Society for 199. “E” in AEPS- Enabled (Aadhaar Enabled Payment Worldwide Interbank Financial System) Telecommunication) 200. Sangai festival 2017- Manipur 162. Highest FDI in India from which country- Mauritius 201. Baglihar Dam located in- Jammu and Kashmir 163. Which country has emerged as the top borrower from 202. Karun Kaladharan Nair related to which sports- Cricket Asian Infrastructure Investment Bank (AIIB)- India 203. Country not in BIMSTEC- Pakistan 164. Name the river near Agra – Yamuna 204. “Fake News” named the word of the year by – Collins 165. Note Torn into two pieces and pasted together- Soiled dictionary Note 205. Birbal Sahni Institute of Palaeobotany – Lucknow 166. Universal bank get share listed on the stock exchange of 206. AIBA Womens Youth World Championships – commencement of business – 6 years Guwahati 167. The new limit for compensation by Banking Ombudsman- 207. Bharatiya Reserve Bank Note Mudran Private Limited Rs. 20 Lakh (BRBNMPL) is wholly owned subsidiary- RBI 168. Kalidas Samman was given by which state? Madhya 208. United Nations Framework Convention on Climate Pradesh Change (UNFCCC) meeting 2017- Bonn, Germany 169. Karcham wangtoo hydroelectric plant located in – 209. IMBAX exercise is the joint Bilateral Military Exercise Himachal Pradesh between which countries – India and Myanmar 170. 78th session of Indian History Congress held in – Kolkata 210. DICGC – providing insurance of deposits 171. Gajner Wildlife Sanctuary is located in which State – 211. Cherry blossom festival- Meghalaya Rajasthan 212. Vinesh Phogat – Indian Wrestler 172. cum Captive Port Complex is a large 213. “N” in NCLT- National (National Company Law shipyard project located in – Chennai Tribunal) 173. Chandi Lahiri was eminent- Cartoonist 214. “M” in MIBOR- Mumbai (Mumbai Interbank 174. Hamesha vijayee exercise held in which state – Rajasthan Offered Rate) 175. A lender of last resort is an institution, usually a 215. The headquarters of Central Registry of Securitisation countrys- Central Bank Asset Reconstruction and Security Interest of India 176. “D” in MDR- Discount (Merchant Discount Rate) (CERSAI)- New Delhi 177. The Nordic-Baltic embassies are all set to host the first 216. Bhat is the currency of- Thailand ever youth film festival of the European nations in- New 217. The headquarters of Fincare Small Finance Bank- Delhi Bengaluru 178. Payment Bank cannot give- Credit Card 218. First payments bank in March 2017- Bharti Airtel 179. Blue Flag Project has Launched by Environment ministry 219. Shillong is the capital city of- Meghalaya for- Beach Clean up 220. Hindi Writer awarded Jnanpith award 2017- Krishna 180. Gangtok is the capital city of which Indian State – Sobti Sikkim 221. IFFI personality of the year award for- Amitabh 181. Chinnar Wildlife Sanctuary located in which Indian State- Bachchan Kerala 222. The meaning of “E” in EFTPOS- Electronic (Electronic 182. MD and CEO of India Post Payments Bank (IPPB)- Funds Transfer at Point Of Sale) Suresh Sethi 223. Bank has launched YONO (You Need Only One) app- 183. Himalayan Hydro Expo 2018 – Kathmandu, Nepal SBI 184. L&T Shipbuilding is located in –Tamil Nadu 224. The headquarters of NABARD- Mumbai 185. Imphal is the capital of – Manipur 225. Prime Minister Kirti Nidhi Bista passed away. He was 186. “A” in PCA- Action (Prompt Corrective Action) former PM of- Nepal 187. “L” in NCLT- Law (National Company Law Tribunal) 226. Sonali Bank Limited is a state-owned leading commercial 188. 4th January is celebrated as- World Braille Day bank in- Bangladesh 189. Head Quarters of Standard Chartered Bank- London, 227. Great Indian Bustard Sanctuary is a wildlife sanctuary UK in- Maharashtra 190. Head Quarters of World Food Programme/Organisation- 228. The Indira Sagar Dam is a multipurpose project of- Rome, Italy Madhya Pradesh 191. Headquarters of SIDBI- Lucknow 229. Cuttack city is situated on the bank of which river- 192. The Riel is the currency of- Cambodia Mahanadi River 193. Ayodhya located which bank of river- Sarayu River 230. “B” in CBLO- Borrowing (Collateralized Borrowing 194. BRICS summit 2018- South Africa and Lending Obligations) 195. Most populated state in India- Uttar Pradesh 231. United western bank merged with IDBI 196. The Indira Gandhi Prize for Peace – Manmohan Singh 232. MMID related to mobile. 197. The new Rs 50 denomination motif – Hampi with 233. Indias first black buck conservation reserve to come Chariot in Allahabad 198. “I” in LEI- Identifier (Legal Entity Identifier) 234. National voters day – January 25

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235. The Bank launches voice-based international remittance 278. SGBs are issued by Reserve Bank of India on behalf service – ICICI of Government of India. 236. Number of Depositories under SEBI – 2 279. IT grievances app – e-nivaran 237. Loksabha speaker – Sumitra Mahajan 280. Nobel Price in Economics – Richard Thaler 238. SEBI chairman – Ajay Tyagi 281. P-Notes – Participatory Notes 239. PCA – Prompt Corrective Action 282. 2000 rupee note has Motif of – Mangalayan 240. IFSC – Indian Financial System Code 283. Aditya – L1 First Indian mission to study the Sun – 241. MUDRA – Micro Units Development and Refinance ISRO – 2019-2020 Agency Bank 284. Sudarsan Pattnaik has claimed to made the “worlds 242. ICC U-19 Venue – New Zealand biggest” Santa face on the Puri beach of Odisha 243. IIT JEE topper in Limca records – Kalpit Veerwal 285. Who becomes first Indian woman wrestler to sign with 244. Ashok chakra – Havildar Hangpan Dada WWE – Kavita Devi 245. RBI issues currency under – RBI act 1934 286. The Ministry of Utmost Happiness by Arundhati Roy 246. India International Coffee Festival (IICF) 2018 – 287. First International Wheelchair Cricket Tournament – Bengaluru Nepal 247. National Film Award Best Hindi Film – Neerja 288. ETF – Exchange Traded Fund 248. Best film under Jio Filmfare award – Dangal 289. EBT – Electronic Benefit Transfer 249. First floating solar power plant in India – Kerala 290. Indias first and only design university, World University 250. IPPB starts operations by – April 2018 of Design – Haryana 251. 1 rupee note has become 100 years old on – 30th 291. International Yoga Day – June 21 November 2017 292. Good Governance Day – December 25 252. G.I Full form – Geographical Indication 293. Commonwealth Games to be held in 2022 – Birmingham 253. Banking ombudsman appointed by – RBI 294. NITI aayog vice-chairman – Rajiv Prasad 254. The bank which has launched a unified integrated app 295. Voice-based remittance service by apple to which bank – called YONO is – SBI ICICI 255. Indias first AC suburban train flagged off in – 296. Global Hunger index –100 Maharashtra 297. PPF minimum amount-500 256. 2018 FIFA World Cup Official Mascot – Wolf 298. Achnakamer wildlife sanctuary – Chhattisgarh 257. World Food Day – October 16 299. Economic Nobel prize in 2017 – Richard Thaler. 258. Arjan Singh – Marshal of the Indian Air Force 300. Overnight lending money – call money 259. SIDBI – Development of MSMEs 301. Balphakram National Park – Meghalaya 260. Common Wealth Games Venue – Australia 302. Hand in hand Exercise – China 261. BRICS theme – Stronger partnership for brighter 303. Vienna is the Capital of – Austria future 304. A stand for in FATF – Action – Financial Task Action 262. 1st runaway sea bridge – Lakshadweep Force 263. CRR, SLR related to – Banking 305. A stands for in CAGR- Annual – 264. Kuwait Capital – Kuwait City Compound Annual Growth Rate. 265. Niti Aayog Chairman – Prime Minister 306. Virendra Singhs constituency – Tikamgrah MP 266. Gujarat CM – Vijay Rupani 307. JRD Tata sports memorial situated – Jamshedpur. 267. The person who has broken the world record 308. Sanjeev Stalin – Football. for cycling Mark Beaumont 309. The first to start adjournment online – Rajasthan 268. UPI – Unified Payment Interface 310. Hq of UCO Bank – Kolkata 269. 75th anniversary of Indias independence – 2022 311. L stand for in LAF – Liquidity Adjustment Facility 270. Demat Account – an account that allows investors to 312. Dhirubhai Ambani Solar Park – Rajasthan. hold their shares in an electronic form 313. Interest Risk is which type of risk – Market risk 271. Money laundering – Converting illegal Money to legal 314. Ukai dam is situated in – Gujarat Money 315. Bharatiya Reserve bank Note Mudran press located 272. Commercial papers issued by – Corporate, Financial in Salboni & which city – Mysore. Institutions 316. City has hosted the Meeting of 48 governors – New 273. Guidelines to prevent banks from being used, intentionally Delhi or unintentionally, by criminal elements for money 317. Lekh Tandon – Indian filmmaker and actor. laundering or terrorist financing activities. – KYC Norms 318. Winner of China Open Singles Men Title- Rafael Nadal. 274. Most Followed Indian On Twitter – PM Modi 319. H stands for in NACH – National Automated 275. Indian Olympic Association President – Dr. Narinder Clearing House. Dhruv Batra 320. Regulator of Microfinance given by NBFC – RBI 276. President Ram Nath Kovind inaugurated Fibre Grid project in Andhra Pradesh ♦♦♦♦ 277. Upper Transaction Limit of RTGS – No Upper Limit

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Man-made disasters are examples of specific cases where man- made hazards have become reality in an event. Losses due to disasters have shown growing trend in terms of lives and property throughout the world due to urbanization, increasing population and increasing degradation of environment. The global efforts to manage disasters are not matched with the frequency and magnitude of disasters. However, for the last 15 years or so some new thinking on disaster management has emerged at global level which pleads for a proactive and preventive approach and integrates disaster management with ongoing development activities that is sustainable development. According to World Disaster Report hydro meteorological event, linked to climate change – floods, storms, heat waves and drought together accounted for nearly 60 percent of Disaster Relief Emergency Fund (DREF). In Myanmar alone, cyclone Nargis claimed some 1, 38,000 lives. Earthquake in China’s Sichuan Province killed some 88,000 people, affected 46 million people; a major US flood 11 million and a drought in Thailand 10 million. INDIA’S VULNERABILITY TO DISASTERS The Indian subcontinent is among the world’s most disaster prone areas. Almost 85% of India’s area is vulnerable to one or multiple hazard. Of the 29 states and 7 union territories, 22 are disaster-prone. It is vulnerable to wind A disaster is a sudden, calamitous event that seriously storms spawned in the Bay of Bengal and the Arabian Sea, disrupts the functioning of a community or society and causes earthquakes caused by active crustal movement in the human, material, and economic or environmental losses that Himalayan mountains, floods brought by monsoons, and exceed the community’s or society’s ability to cope using its droughts in the country’s arid and semi-arid areas. Almost own resources. Though often caused by nature, disasters can 57% of the land is vulnerable to earthquake (high seismic have human origins. zones lll-V), 68% to drought, 8% to cyclones and 12% to floods. A natural disaster is a natural process or phenomenon India has also become much more vulnerable to tsunamis since that may cause loss of life, injury or other health impacts, the 2004 Indian Ocean tsunami. property damage, loss of livelihoods and services, social and Earthquakes economic disruption, or environmental damage. Various Of the earthquake-prone areas, 12% is prone to very phenomena like earthquakes, landslides, volcanic eruptions, severe earthquakes, 18% to severe earthquakes and 25% to floods, hurricanes, tornadoes, blizzards, tsunamis, and cyclones damageable earthquakes. The biggest quakes occur in the are all natural hazards that kill thousands of people and destroy Andaman and Nicobar Islands, Kutch, Himachal and the North- billions of dollars of habitat and property each year. However, East. The Himalayan regions are particularly prone to the rapid growth of the world’s population and its increased earthquakes. concentration often in hazardous environments has escalated The last two major earthquakes shook Gujarat in both the frequency and severity of disasters. With the tropical January 2001 and Jammu and Kashmir in October 2005. Many climate and unstable land forms, coupled with deforestation, smaller-scale quakes occurred in other parts of India in 2006. unplanned growth proliferation, non-engineered constructions All 7 North East states of India – Assam, Arunachal Pradesh, which make the disaster-prone areas more vulnerable, tardy Nagaland, Manipur, Mizoram, Tripura and Meghalaya; Andaman communication, and poor or no budgetary allocation for & Nicobar Islands; and parts of 6 other states in the North/ disaster prevention, developing countries suffer more or less North-West (Jammu and Kashmir, Uttaranchal, and Bihar) and chronically from natural disasters. Asia tops the list of casualties West (Gujarat), are in Seismic Zone V. caused by natural hazards. Human-instigated disasters are the consequence of Floods technological hazards. Examples include stampedes, fires, About 30 million people are affected annually by transport accidents, industrial accidents, oil spills and nuclear flood which is an annual feature Indo-Gangetic-Brahmaputra explosions/radiation. War and deliberate attacks may also be plains. On an average, a few hundred lives are lost, millions are put in this category. As with natural hazards, man-made hazards rendered homeless and several hectares of crops are damaged are events that have not happened—for instance, terrorism. every year. Nearly 75% of the total rainfall occurs over a short

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monsoon season (June – September). 40 million hectares, or disasters, and nearly 12% of Government revenue was spent 12% of Indian land, is considered prone to floods. Floods are a on relief, rehabilitation and reconstruction during the same perennial phenomenon in at least 5 states – Assam, Bihar, period. As per a World Bank study natural disasters pose a Odisha, Uttar Pradesh and West Bengal. On account of climate major impediment on the path of economic development in change, floods have also occurred in recent years in areas that India are normally not flood prone. In 2006, drought prone parts of Rajasthan experienced floods. DISASTER MANAGEMENT – A NEW Droughts APPROACH About 50 million people are affected annually by Disaster Management is an effort to inquire into the drought. Of approximately 90 million hectares of rain-fed areas, process of a hazard turning to disaster to identify its causes about 40 million hectares are prone to scanty or no rain. Rainfall and rectify the same through public policy. Therefore disaster is poor in nine meteorological subdivisions out of 36 management is a policy issue concerned with minimizing and subdivisions. In India annually 33% area receive rainfall less preventing the damaging impact of a natural or manmade than 750 mm (low rainfall area) and 35 % area receive hazard. Some of the policy and administrative factors relevant between 750 to 1125 mm rainfall Medium rainfall) and only to disaster management are such as poor and weak or 32 percent falls in the high rainfall (>1126 mm) zone. overcrowded buildings in earthquake prone zone, poor land Cyclones use planning in flood prone areas, inadequate and faulty laws About 8% of the land is vulnerable to cyclones of regulating various processes and facilities, general low risk which coastal areas experience two or three tropical cyclones perception towards disasters among people etc. The above of varying intensity each year. Cyclonic activities on the east description of disaster management underlines the difference coast are more severe than on the west coast. The Indian between the hazard and the disaster. A hazard is a natural or continent is considered to be the worst cyclone-affected part manmade damaging event which is beyond the effective of the world, as a result of low-depth ocean bed topography control of human being, whereas the disaster is the sum total and coastal configuration. The principal threats from a cyclone of consequences of natural hazard due to vulnerability of people are in the form of gales and strong winds; torrential rain and or regions subject to hazard. high tidal waves/storm surges. Most casualties are caused due to coastal inundation by tidal waves and storm surges. Cyclones DISASTER MANAGEMENT – IN typically strike the East Coast of India, along the Bay of Bengal, i.e. the states of West Bengal, Odisha, Andhra Pradesh and INDIA Tamil Nadu, but also parts of Maharashtra and Gujarat at the Arabian Sea West Coast. Landslides Landslides occur in the hilly regions such as the Himalayas, North-East India, the Nilgiris, and Eastern and Western Ghats. Landslides in India are another recurrent phenomenon. Landslide-prone areas largely correspond to earthquake-prone areas, i.e. North-west and North-East, where the incidence of landslides is the highest. Droughts Drought is another recurrent phenomenon which results in widespread adverse impact on vulnerable people’s livelihoods and young children’s nutrition status. It typically strikes arid areas of Rajasthan (chronically) and Gujarat states. Disaster Management refers to manage disaster Drought is not uncommon in certain districts of Uttar Pradesh, response in the country or simply it can be said as how we can Madhya Pradesh, Odisha, Andhra Pradesh, etc. Although a slow protect or preserve many lives and property. India has been onset emergency, and to an extent predictable emergency, traditionally vulnerable to the natural disasters on account of drought has caused severe suffering in the affected areas in its unique geo-climatic conditions. Floods, droughts, cyclones, recent years, including effects on poverty, hunger, and earthquakes and landslides would have been recurrent unemployment. phenomena. About 60% of the landmass is prone to Cold Waves earthquakes of various intensities; over 40 million hectares is Cold waves are recurrent phenomenon in North India. prone to floods; about 8% of the total area is prone to cyclones It resulted in semank casuality according to India’s report, and 69% of the area is susceptible to drought. During the last natural disasters have affected nearly 6% of the population decade, an average of about 4344 people lost their lives and and 24% of deaths in Asia caused by disasters have occurred about 30 million people were affected by disasters every year. in India. Around 4% of national GDP was lost because of natural The super cyclone in Odisha in October, 1999 and the Bhuj earthquake in Gujarat in January, 2001 underscored

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the need to adopt a multi-dimensional endeavour involving in 1927 a convention was adopted for the establishment of diverse scientific, engineering, financial and social processes; the International Relief Union. This marked the first and, to the need to adopt multi disciplinary and multi-sectoral date, only instance when states attempted to launch a universal, approach and incorporation of risk reduction in the treaty based structure for disaster response and prevention. developmental plans and strategies. The International Relief Union never fulfilled its promise and Over the past 2 years, the Government of India have perished along with the League of Nations system. The 1969 brought about a paradigm shift in the approach to disaster International Red Cross Conference adopted the Principles management. The new approach proceeds from the conviction and Rules for Red Cross Disaster Relief. that development cannot be sustainable unless disaster The United Nations had declared the year starting mitigation is built into the development process. Another corner from 1990 to 1999 as the International Decade for Natural stone of the approach is that mitigation has to be multi- Disaster Reduction (IDNDR). The United Nation system does disciplinary spanning across all sectors of development. The not have any specific convention relating to humanitarian new policy also emanates from the belief that investments in activities in non-conflict disasters. But provisions can be found mitigation are much more cost effective than expenditure on in treaties, agreements, other instruments in the areas of relief and rehabilitation. Disaster management occupies an transportation, volunteers, food, clothes, international assistance important place in this country’s policy framework as it is the etc. poor and the under-privileged who are worst affected on United Nations Development Programme account of calamities/disasters. The United Nations Development Programme The steps being taken by the Government emanate (UNDP), which is the United Nation’s global development from the approach outlined above. The approach has been agency aims to help the people of the world to lead a better life translated into a National Disaster Framework, covering by preventing poverty by using the available resources institutional mechanisms, disaster prevention strategy, early efficiently. Disasters compel the available resources which could warning system, disaster mitigation, preparedness and be used for development to be redirected towards disaster response and human resource development. The expected management. The accumulated losses from the disasters are inputs, areas of intervention and agencies to be involved at concentrated disproportionately in the most vulnerable sectors the National, State and district levels have been identified and of the poorest countries. To help these nations the UNDP has a listed in the roadmap. Crisis Prevention and Recovery office known as a Bureau of Crisis Prevention and Recovery (BCPR), which shapes the INTERNATIONAL EFFORTS FOR organisations response to disasters. The UNDP has sixty six country offices specifically involved in activities relating to crisis- DISASTER MANAGEMENT related issues. United Nations Disaster Assessment and Coordination The United Nations Disaster Assessment and Coordination is an additional and standby mechanism of professionals having expertise in disaster management. In the event of a disaster, the members of the UNDAC can be deployed within hours to carry out rapid relief work because they are permanently on stand-by to deploy to relief missions following disasters and humanitarian emergencies anywhere in the world. The UNDAC is also responsible for providing first-hand information on the disaster situation to the international community and others. The United Nations General Assembly designated the year beginning from 1990 to 1999 as the International Decade Most of the earlier attempts in standardisation of for Natural Disaster Reduction, to create awareness, arrive at International Disaster Management came from the standards, use the existing knowledge, wealth and human International Committee of Red Cross (ICRC). The first resource for preventing, mitigating and effectively responding endeavour came in the year 1869, when the ICRC in its second to the disasters. The decade aimed to curb the losses, human, conference passed a resolution, which requires national material and economical, caused by disasters. It was also the societies to provide relief in case of public calamity which, like aim of the Decade to bring an integral approach to natural war, demands immediate and organized assistance. Again in disaster management. As a part of the Decade a Conference 1884 Conference another resolution was adopted to extend on Environment and Development was held in Rio in the year the first Geneva Convention to provide for assistance to victims 1992, which emphasised the need for greater co-operation of natural disaster but it was never implemented. with the countries exposed to natural disasters and other crisis In 1919, the League of Red Cross Societies was founded to further humanitarian assistance in peacetime, and

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liable to affect the environment. Other important attempts to making level; integration of the private sector in disaster set standard in disaster management during this Decade were: reduction efforts through promotion of business opportunities; (a) The World Conference on Disaster Reduction held in promotion of the involvement of non-governmental Yokohama in May 1994 where the Yokohama Strategy organization in natural hazard management etc. are some of and the Plan of Action for a Safer World and Guide the important issues that found place in the Strategy. for the Prevention, Preparation and Reduction of Later on, in the World Conference on Disaster Vulnerability were adopted. Reduction, the Yokohoma strategy was reviewed. The review (b) The Istanbul Declaration on Human Settlements emphasized on the importance of having a more pro-active drafted on 14 June 1996, which emphasises the right approach to informing, motivating and involving people in all for everyone to adequate housing and the universal aspects of disaster risk reduction in their own local communities. goal to provide safer, healthier and sustainable human This review also points out the lack of resources allocated settlements. specifically from development budgets for the realization of (c) The Conference on Natural Disaster Prevention, Land- risk reduction objectives, at the national, regional and Use Planning and Sustainable Development held in international levels. Specific gaps and challenges were identified Paris in the year 1999. by the review in a few areas such as: (d) IDNDR International Programme Forum held at (a) Governance: organizational, legal and policy Geneva in the year 1999 which crafted the Geneva frameworks Mandate on Disaster Reduction. (b) Risk identification, assessment, monitoring and early (e) Many regional conferences were held during this warning period like (i) Yerevan Conference of the Central (c) Knowledge management and education and East European countries held in September (d) Reducing underlying risk factors and 1998; (ii) IDNDR/ESCAP Regional Meeting for Asia (e) Preparedness for effective response and recovery. which was held in Bangkok in the year February 1999; (iii) The Valencia Conference on Natural The Geneva Mandate on Disaster Reduction The participants representing different countries in Disaster Prevention and Reduction in the the IDNDR International Programme Forum held at Geneva in Mediterranean held in May 1999; (iv) Regional the year 1999, drafted the Geneva Mandate on Disaster IDNDR/UNEP Meeting for Africa held in Nairobi in Reduction recognizing that the world is increasingly being the year May 1999; (v) Hemispheric Conference for threatened by large scale disasters, which will have long term Latin America and the Caribbean held in San Jose in social, economic, and environmental consequences. The Forum the year June 1999. also recognised the fact that this would have an impact on (f) Many conferences were also held on specific subject sustainable development particularly in developing countries. pertaining to disaster (i) Intergovernmental This mandate calls for adopting and implementing policy Conference on Emergency Telecommunications held measures at the international, regional, sub-regional, national in Tempere in June 1998; (ii) International and local levels for establishing hazard-resilient community. Conference on Early Warning Systems held at These policies shall also contribute to safeguarding the natural Potsdam during September 1998; (iii) First and economic resources, and social well being and livelihoods. Intergovernmental Seminar of Experts on El Nino The mandate emphasized the role of scientific, social and held at Guayaquil during November 1998; (iv) economic research, and technological and planning International Conference on Natural Hazards in the applications at all levels. The Mandate emphasised on the Mountains held at Grenoble during April 1999. importance of having an interdisciplinary risk management The most important standards that were set during this Decade with continued interaction and cooperation among all were the Yokohama Strategy, Geneva Mandate, and the disciplines and institutions concerned. Tampere Telecommunication Convention. The Yokohama Strategy Tampere Telecommunication Convention The Yokohama Strategy was signed at the United This is one of most effective standards set by the Nations World Conference on Natural Disaster Reduction in comity of nations, understanding the importance of sharing of Yokohama, Japan from 23rd to 27 May 1994. The Conference information in preventing, mitigating, and in the rescue identified that the poor and socially disadvantaged people in operations in the event of a disaster. The Tampere the developing country are mostly affected in cases of disasters. Telecommunication Convention requires the signatory States The strategy emphasised on the need for shifting the stress to provide unhindered use of telecommunications during on relief and rehabilitation to prevention and mitigation. disasters. This convention could serve as a model for bringing Education and training; development and strengthening of an international legal standard. The countries that have signed human resources; identification, networking, developing of the convention are required to reduce or remove regulatory existing centres of excellence; improvement of awareness in barriers to the use of telecommunication resources for disaster vulnerable communities; improved coordination and mitigation and relief. The IDNDR came to an end in 1999. cooperation among ongoing national, regional and international However, during its nearly two deades of activities, it was disaster research activities; effective national legislation and comparatively effective in setting standards especially in terms administrative action, higher priority at the political decision- of forging vital links among the political, scientific and

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technological communities. To continue these activities, the to 22 January 2005. This Conference reviewed the Yokohama United Nations established a successor body known as the Strategy and adopted two important resolutions, the Hyogo International Strategy for Disaster Reduction. Declaration and the Hyogo Framework for Action 2005- 2015: Building the Resilience of Nations and Communities to INTERNATIONAL STRATEGY FOR Disasters, which is. known as the Hyogo Framework for Action 2005-2015. In the Declaration, the nations have aimed at DISASTER REDUCTION building relevant international commitments and frameworks, The International Strategy for Disaster Reduction recognising the intrinsic relationship between disaster (ISDR) was launched by the General Assembly to provide a reduction, sustainable development and poverty eradication. boost for the international standard setting processes with Development of a culture of disaster prevention and resilience, the objective of reducing human, social, economic and and associated pre-disaster strategies, which are sound environmental losses happening as a result of natural investments, must be fostered at all levels, ranging from the technological and environmental hazards. The ISDR aims at individual to the international levels. It calls on all nations to building disaster resilient communities by promoting increased support the creation and strengthening of national integrated awareness of the importance of disaster reduction as an mechanisms, such as multisectoral national platforms to ensure integral component of sustainable development. This is the that disaster risk reduction is a national and a local priority. It main body within the United Nations system for coordination also stressed on the importance of community participation in of strategies and programmes for disaster reduction and to disaster risk management. ensure synergy between disaster reduction activities and those in the socio-economic and humanitarian fields. Its important The Sendai Framework for Disaster Risk role is to encourage both policy and awareness activities by Reduction (2015-2030) promoting national committees dedicated to disaster reduction It is an international document which was adopted and working in close associations with regional initiatives. by UN member states between 14th and 18th of March 2015 The mission of ISDR aims at building disaster resilient at the World Conference on Disaster Risk Reduction held in communities by promoting increased awareness of the Sendai, Japan and endorsed by the UN General Assembly in importance of disaster reduction as an integral component of June 2015. It is the successor agreement to the Hyogo sustainable development, with the goal of reducing human, Framework for Action (2005–2015), which had been the most social, economic and environmental losses due to natural encompassing international accord to date on disaster risk hazards, and related technological and environmental disasters. reduction. The ISDR aims to promote four objectives: The Sendai Framework is a 15-year, voluntary, non- 1. With the slogan prevention begins with information, binding agreement which recognizes that the State has the the ISDR aims to increase public awareness among primary role to reduce disaster risk but that responsibility regional organizations, governments, non- should be shared with other stakeholders including local governmental organizations, United Nations entities, government, the private sector and other stakeholders. It aims representatives of civil society and others about for the substantial reduction of disaster risk and losses in lives, disaster reduction globally. livelihoods and health and in the economic, physical, social, 2. It aims at obtaining commitment from public cultural and environmental assets of persons, businesses, authorities to implement disaster reduction policies communities and countries. and actions. Correspondingly this requires a The Sendai Framework sets four specific priorities for action: grassroots approach whereby communities at risk (a) Understanding disaster risk are fully informed and are encouraged to participate Disaster risk management should be based on an in risk management initiatives. understanding of disaster risk in all its dimensions of 3. It is one of the important goals of ISDR to stimulate vulnerability, capacity, exposure of persons and assets, interdisciplinary and intersectoral partnerships, hazard characteristics and the environment. Such including the expansion of risk reduction networks. knowledge can be used for risk assessment, If more entities that are active in disaster reduction prevention, mitigation, preparedness and response. share information on their research and practices it (b) Strengthening disaster risk governance to manage will be more useful for developing a global body of disaster risk knowledge. Disaster risk governance at the national, regional and 4. The ISDR also tries to improve scientific knowledge global levels is very important for prevention, about disaster reduction so that the community can mitigation, preparedness, response, recovery, and remain better prepared. rehabilitation. It fosters collaboration and partnership. ISDR is having its secretariat in Geneva. The principal organs (c) Investing in disaster risk reduction for resilience of the ISDR are the Inter-Agency Task Force on Disaster Public and private investment in disaster risk Reduction and the Inter- Agency Secretariat. prevention and reduction through structural and non- Hyogo Framework for Action 2005-2015 structural measures are essential to enhance the The ISDR as part of its mission organised the World economic, social, health and cultural resilience of Conference on Disaster Reduction at Hyogo in Japan from 18

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persons, communities, countries and their assets, as Keeping in view the vision articulated under the well as the environment. Disaster Management Act, 2005 for building a safe and disaster (d) Enhancing disaster preparedness for effective resilient India, the Disaster Management Policy was response and to “Build Back Better” in recovery, announced in 2009. rehabilitation and reconstruction The growth of disaster risk means there is a need to strengthen disaster preparedness for response, take action in anticipation of events, and ensure capacities are in place for effective response and recovery at all levels. The recovery, rehabilitation and reconstruction phase is a critical opportunity to build back better, including through integrating disaster risk reduction into development measures. To support the assessment of global progress in achieving the outcome and goal of the Sendai Framework, seven global targets have been agreed: 1. Substantially reduce global disaster mortality by 2030, aiming to lower average per 100,000 global mortality between 2020-2030 compared to 2005- National Disaster Management Act, 2005 defines 2015; events that cause substantial less of life, prosperity and 2. Substantially reduce the number of affected people environment. It reads, “Disaster means catastrophe, mishap, globally by 2030, aiming to lower the average global calamity or grave occurrence in any area, arising from nature figure per 100,000 between 2020-2030 compared or man-made causes, or by accident or negligence which result to 2005-2015; in substantial loss of life, of human suffering or damage to, and 3. Reduce direct disaster economic loss in relation to destruction of property, or damage to, or degradation of global gross domestic product by 2030; environment, and is of such nature or magnitude as to be 4. Substantially reduce disaster damage to critical beyond the coping capacity of the community of affected areas.” infrastructure and disruption of basic services, among About 60 percent of landmass in India is prone to them health and educational facilities, including earthquakes of various intensities, over – 40 million hectares through developing their resilience by 2030; is prone to floods, about 8 percent of the total area is prone to 5. Substantially increase the number of countries with cyclones and 68 percent of area is susceptible to drought. national and local disaster risk reduction strategies Disaster management Act, 2005 defines Disaster by 2020; Management as, a continuous cycle and integrated process of 6. Substantially enhance international cooperation to planning, organizing, coordinating and implementing, developing countries through adequate and coordinating and implementing measures which are necessary sustainable support to complement their national or expedient for- actions for implementation of the framework by i. Prevention of danger or threat of any disaster; 2030; ii. Mitigation or reduction of risk of any disaster or its 7. Substantially increase the availability of and access severity or consequences; to multi-hazard early warning systems and disaster iii. Capacity-building; risk information and assessments to the people by iv. Preparedness to deal with any disaster; 2030. v. Prompt response to any threatening disaster situation or disaster; NATIONAL EFFORTS FOR DISASTER vi. Assessing the severity or magnitude of effects of any MANAGEMENT disaster; vii. Evacuation, rescue and relief; Ministry of Home Affairs (MHA), Government of India viii. Rehabilitation and Reconstruction. Disaster (GoI) is the nodal ministry for handling management of natural Management Amendment Bill, 2006 aims at disasters viz. earthquakes, floods, cyclones, tsunami, landslides broadening the meaning of Disaster in Disaster etc. and man-made disasters viz. fires, chemical, biological, Management Act. radiological, and terrorist attacks etc. It has undertaken several initiatives for building disaster resilient communities in India. Institutional Mechanisms In the recent past, several steps have been taken for The Government of India (GOI), in recognition of the strengthening existing preparedness, mitigation and response importance of Disaster Management as a national priority, has mechanisms of the State Governments and Local Authorities set up a High-Powered Committee (HPC) in August 1999 and in the country. The Government of India has released funds to also a nation committee after the Gujarat earthquake, for the State Governments under Centrally Sponsored Schemes making recommendations on the preparation of Disaster and through externally aided programmes. Management plans and suggestion effective mitigation

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mechanisms. The Tenth Five-Year Plan Document also had, for State prepare disaster management plans as prescribed by the first time, a detailed chapter on Disaster Management. the National and State Authorities. Similarly, the Twelfth Finance Commission was also mandated 3. District Disaster Management Authorities(DDMA) to review the financial arrangements for Disaster District Disaster Management Authorities have been Management. set up as planning, coordinating and implementing bodies for On 23 December 2005, the Government of India disaster management and to take all measures in the district enacted the Disaster Management Act, which envisaged the in accordance with the guidelines laid down by the National creation of the National Disaster Management Authority and State Authorities. (NDMA), headed by the Prime Minister, and State Disaster 4. National Disaster Response Force: Management Authorities (SDMAs) headed by respective Chief The National Disaster Response Force (NDRF) is the Ministers, to spearhead and implement a holistic and specialized force for disaster response which works under the integrated approach to Disaster Management in India. overall supervision and control of the NDMA. Ten battalions of Organisation Structure National Disaster Response Force (NDRF) comprising 144 1. National Disaster Management Authorities(NDMA) specialized teams trained in various types of natural, man- The National Disaster Management Authority has made and non-natural disasters have been set up. All the been constituted under the Disaster Management Act 2005, battalions are being trained to respond to natural disasters with the Prime Minister of India as its Chairman, a Vice while four of them are being specially trained for handling Chairman with the status of Cabinet Minister, and eight radiological, nuclear, biological and chemical disasters. members with the status of Ministers of State. With well- The National Institute of Disaster Management defined functional domains for each of its members and concern (NIDM) has the mandate for human resource development to carry out the mandated functions, NDMA has evolved into a and capacity building for disaster management within the lean and professional organization which is IT-enabled and broad policies and guidelines laid down by the NDMA. NIDM is knowledge based. Skills and expertise of the specialists are required to design, develop and implement training extensively used to address disaster related issues. A functional programmes, undertake research, formulate and implement a and operational infrastructure has been built, which is comprehensive human resource development plan, provide appropriate for disaster management involving uncertainties assistance in national policy formulation, assist other research coupled with desired plans of action. and training institutes, state governments and other Conceptually the organization is based on a ’disaster organizations for successfully discharging their responsibilities, divisions-cum-secretariat’ system. Each member of the develop educational materials for dissemination and promote Authority heads disaster-specific divisions for specific disaster awareness among stakeholders in addition to undertake any and functional domains. Each member has also been given other function as assigned to it by the Central Government. the responsibility of specified states and UTs for close National Policy on Disaster Management 2009: interaction and coordination. (a) The National Policy on Disaster Management was approved The NDMA Secretariat, headed by a Secretary, is by the Government in November 2009. This comprehensive responsible for providing secretarial support and continuity. policy document lays down policies on every aspect of holistic The Secretariat deals with mitigation, preparedness, plans, management of disasters in the country. It has the main aim to reconstruction, community awareness and financial and minimize the losses to lives, livelihoods and property, caused administrative aspects. NDMA also has the National Disaster by natural or manmade disasters with a vision to build a safe Management Operations Centre which will be equipped with & Disaster resilient India by developing a holistic, proactive, a state-of-the-art resilient and redundant communication integrated, Multi-disaster oriented and technology driven systems, NDMA also carries out the tasks of capacity strategy. More emphasis should be given on building strategic development, training and knowledge management. partnerships at various levels. NDMA functions with a vision “To build a safer and (b) The Policy is also intended to promote a culture of disaster resilient India by a holistic, pro-active, technology prevention, preparedness and resilience at all levels through driven and sustainable development strategy that involves all knowledge, innovation and education. It encourages mitigation stakeholders and fosters a culture of prevention, preparedness measures based on environmental sustainability. and mitigation.” In the recent times, the orientation for handling 2. State Disaster Management Authorities(SDMA) disaster situations has been changed from a relief-centric to a All State Governments are mandated under Section holistic, multi-dimensional and multi-disciplinary approach 14 of the act to establish a State Disaster Management involving diverse scientific, engineering, social and financial Authority (SDMA). The SDMA consists of the Chief Minister of processes. The new approach encompasses the entire gamut the State, who is the Chairperson, and no more than eight of disaster management activities, i.e. prevention, mitigation, members appointed by the Chief Minister. State Executive preparedness, response, relief and rehabilitation. Committee is responsible for drawing up the state disaster management plan, and implementing the National Plan. The ♦♦♦♦ SDMA is mandated to ensure that all the departments of the

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1. COUNTERING CHINA IN THE INDO-PACIFIC INTRODUCTION Security cooperation between Japan, India, the US and Australia is on the rise. At the recently concluded Shangri-La Dialogue in Singapore, Prime Minister Narendra Modi and the defence ministers of Japan, the US and Australia reiterated their shared commitment to the Indo-Pacific region. It was closely followed by Japan-India-US Malabar exercises in Guam. Japan, India, the US and Australia will also join Rimpac (Rim of the Pacific) exercises. Turning Indo-Pacific security cooperation into a “counter China strategy”: There are three possible ways- Focusing on the link between Indo-China border area and the East China Sea. If India cooperates with Japan and the US, it will not need to deal with all the Chinese fighter jets at once, because China is likely to keep some of its fighter jets to defend its eastern front. Japan and the US are willing to support India’s efforts to modernize its defence in the Indo-China border area. The US has already exported transport planes, attack helicopters, heavy- lift helicopter, ultra-light howitzers and carbines for Indian forces. Since 2014, Japan has invested in India’s strategic road project in the North- East region. There is a high possibility that in the near future India will be the most influential sea power in the Indian Ocean Region. Japan, the US and Australia will then be able to deploy more military force in the East China Sea and South China Sea to maintain the military balance against China. Therefore, these three countries should share the know-how related with anti-submarine capabilities and enhance India’s military preparedness. Developing infrastructure in countries of the region. Bangladesh has already chosen Japan’s Martabali port project instead of China’s Sonadia port project. If the Trincomalee port project—involving Japanese assistance—in Sri Lanka succeeds, then the importance of China’s Hambantota port will decline. Similarly, the Chabahar port project in Iran can mitigate the importance of the Chinese Gwadar port in Pakistan. The Asia-Africa Growth Corridor (AAGC), a result of Indo-Japanese cooperation, will also counter China’s growing influence in Africa. Japan, India, the US and the Australia can collaborate to support South- East Asian countries in the South China Sea. The South-East Asian countries need to beef up their military power. Japanese investment in India’s strategic road project in the latter’s North- East region will help increase India-South-East Asia trade. There is a possibility that growing India-South-East Asia trade could reduce China’s influence in South-East Asia. CONCLUSION Security cooperation among Japan, India, the US and Australia is increasingly reasonable. The time has come to proactively further this cooperation to ensure prosperity and stability in the whole of Indo- Pacific.

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and the Central Ground Water Board (chaired by Mihir Shah) was constituted. • Mihir Shah Committee has called for a user-centric 2. NITI AAYOG approach to water management, especially in agriculture. User-centric approach COMPOSITE WATER • Mihir Shah Committee advocates decentralisation of irrigation commands, offering higher financial MANAGEMENT INDEX flows to well-performing States through a National Irrigation Management Fund. AND MIHIR SHAH • It also calls for awarding an index rank, which would help States feel the need to be competitive. It will also foster “competitive and cooperative COMMITTEE ON WATER federalism”. • The Committee suggests for robust data MANAGEMENT collection to understand groundwater extraction patterns, as less than 5% of about 12 million wells are now under study. INTRODUCTION • The Committee highlights that the growing pace NITI Aayog had released the results of a study warning of urbanization calls for a new management that India is facing its “worst” water crisis in history, which paradigm, augmenting sources of clean drinking had implications for the health of the entire population. water supply and treatment technologies that will Outcome of Composite Water Management Index encourage reuse. Pollution can be curbed by • According to the CWMI developed by Niti Aayog, levying suitable costs. 70% of the water resources are identified as polluted. • If the water accessible to millions is CONCLUSION contaminated, the problem is infinitely worse than Therefore, all these forward-looking changes would need that of availability. revamped national and State institutions, and updated • Gujarat, Madhya Pradesh, Andhra Pradesh, laws. A legal mandate will work better than just Karnataka, Maharashtra, Punjab and Telangana competition and cooperation; it would make governments have initiated reforms for judicious water use, accountable. while populous ones such as Uttar Pradesh and Bihar have failed to respond to the challenge. • Tamil Nadu, which has a middling score, does well on augmentation of water sources, but is 3. PLASTIC WASTE abysmally poor in ensuring sustainable use for farming. • As per the report, CWMI the crisis is only going to MANAGEMENT : NEED A get worse. By 2030, the country’s water demand is projected to be twice the available supply, HOLISTIC APPROACH implying severe water scarcity for hundreds of millions of people and an eventual 6 per cent loss in the country’s GDP. INTRODUCTION Every piece of plastic ever disposed of is damaging the Indices considered for ratings – earth. It’s lying somewhere in the earth, floating in the States were rated on the basis of – ocean, or been broken down into microparticles and in the • performance in augmenting water resources and food chain. Although a fraction of the plastic disposed of watersheds is recycled, most of it eventually ends up in the ocean or in • investing in infrastructure dump sites outside city limits. • providing rural and urban drinking water The best way to reduce plastic pollution is to reduce and • encouraging efficient agricultural use phase out its consumption. Need of the hour: Rules: Two areas that need urgent measures are augmentation India’s Plastic Waste Management Rules (published in of watersheds that can store more good water, for use in March 2016) called for a ban on plastic bags below 50 micron agriculture and to serve habitations, and strict pollution thickness and a phasing out, within two years, of the control enforcement. manufacture and sale of non-recyclable, multi-layered Mihir Shah Committee plastic. • In order to meet the above demands, Committee on Restructuring the Central Water Commission

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• More than 20 Indian States have announced a ban Companies and governments should interact and research on plastic bags. on how to implement such plans. • Cities such as Bengaluru announced a complete Adopting innovative means: ban (gazette notification), in 2016, on the In India, some companies have helped empower the manufacture, supply, sale and use of thermocol informal recycling sector, giving waste pickers dignity and and plastic items irrespective of thickness. steady incomes. Another firm has worked with the informal There are stiff fines that cover manufacturing and disposal. sector and engineered the production of high quality Results: recycled plastic. A Central Pollution Control Board (CPCB) report has said These companies, large corporates and governments could that the above-mentioned ban is barely effective. cooperate to implement innovative means to realise the • Citizens need to be aware of the rules. value of plastic disposed of while simultaneously • Governments need to work with citizens to collect investing in phasing it out. fines. Example- A Canadian company monetises plastic waste in • Companies need to be held accountable in terms novel ways. It has one of the largest chains of waste plastic of their environmental and social responsibilities. collection centres, where waste can be exchanged for • There should be research on ways to implement anything (from cash to medical insurance to cooking fuel). these rules, waste generation quantities and Through this, multinational corporations have invested in trends and find innovative alternatives to plastic. recycling infrastructure. Such collection centres, like the • We also need strategies to deal with the plastic ones operated by informal aggregators in India, can be that has already been disposed of. India generates very low-cost investments (a storage facility with a weighing an estimated 16 lakh tonnes of plastic waste scale and a smart phone). annually. If sold at the global average rate of 50 cents a kg, it can generate a revenue of Rs. 5,600 CONCLUSION crore a year. It is time we rethink, reduce, segregate and recycle every Segregation at source: time we encounter a piece of plastic so that it stops In order to realise the potential for recycling, waste must damaging our environment and our lives. first be segregated at source. This segregated waste should be then transported and treated separately. As mentioned in the Solid Waste Management Rules 2016, waste has to be segregated separately at source. This 4. E-WASTE includes separation of dry (plastic, paper, metal, glass) and wet (kitchen and garden) waste at source. Collection of waste: MANAGEMENT : The primary responsibility for collection of used plastic and multi-layered plastic sachets (branded chips, biscuit and snack packets) lies with their producers, importers GENERATING JOBS and brand owners. Companies should have already submitted plans, by September 2016, for waste collection INTRODUCTION systems based on extended producer responsibility (EPR) In recent years, the waste from electrical and electronic either through their own distribution channels or with the equipment, also referred to as WEEE or e-waste, has become local body concerned. Here, the onus of disposal and an important focus of legislators globally. recycling of products and materials is with producers, This can be attributed principally to following reasons: rather than on taxpayers and governments. However, none • The hazardous nature of this waste component, of this has happened at any perceivable scale. Companies both in terms of the health of the citizens and the say that plastic waste is too complex or pretend to be environment. completely unaware of these rules. • The possibility of deriving valuable materials like Solutions: precious, critical and base metals from the e- Implementing EPR collectively: waste. The complexity of dealing with plastic waste is because of • Among all urban solid waste, e-waste is the its ubiquity and distributed market. Several companies fastest growing waste stream (‘UNEP 2007 E-waste produce the same type of packaging so it is impossible for Inventory Assessment’), and this trend is expected a given company to collect and recycle only its own to continue, in line with advancements in the packaging. Instead, these companies can collectively quality and quantity of technology products’ implement EPR by geographically dividing a region into consumption globally. zones and handle the waste generated in their designated Such multifaceted characterisation makes handling of e- zones. This strategy was used in Switzerland to recycle waste very challenging to address, especially considering thermocol used for insulation of buildings. This also the political, social and environmental factors involved in reduces collection, transportation and recycling costs. both developed and developing countries.

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Present system: businesses, bulk consumers and public institutions must • Most governments, like India, have followed the dispose of their obsolete equipment Extended Producer Responsibility (EPR) principle, responsibly. Dismantlers and recyclers must adopt the due the crucial issue of financing the development zero-waste approach. Producers (and importers) must of sound e-waste management systems due to contribute their share by taking over the financial low or absent investment capacity. responsibility for responsible collection and treatment of • The sustainable management of e-waste (average e-waste while also improving the design of their new of the all products and including all logistics and products to enable longer life of products and easier repair, treatment costs) is not a profitable business at and recycling. the moment and, therefore, additional money is required to avoid “cherry picking” (processing only profitable products) or compromising the quality of recycling. 5. THE PROTECTION Untapped opportunity: In the past 15 years, since the enactment of the e-waste legislation in Europe, the e-waste sector has shown that OF HUMAN RIGHTS proper e-waste management is good for the environment and essential for a sustainable economy. (AMENDMENTS) BILL, The 1.8 million tonnes of e-waste produced in India this year has the potential to generate up to 300,000 jobs, 2018 provided a new sector, valued at over $3 billion annually, is established. Many more jobs can be secured in the production sector INTRODUCTION because recycling precious and critical metals is the basis On April 4, the Union Cabinet approved the Protection of for manufacturing new products in the country, especially Human Rights (Amendments) Bill, 2018, in order to protect since resources are becoming scarce and more expensive. and promote better human rights in India. The Bill intends In Europe, our hi-tech wastes are already called the “urban to give the NHRC teeth as well as claws to act against mine”. human rights violations. Way ahead: The National Human Rights Commission (NHRC) has been • To develop a prosperous market, it is necessary often described as a paper tiger, unable to protect ordinary for products that are not being used or repaired citizens from human rights violations, committed at times to reach proper recycling facilities. Currently, the by the state machinery. informal sector dominates the e-waste sector in In one such case, the NHRC, disillusioned by its India, using manual dismantling and crude, low helplessness in bringing justice in the alleged extrajudicial quality (or non-existent) processing technology. killings of 1,528 persons in Manipur, had last year referred However, India’s khabadiwalas provide a much to itself as a “toothless tiger” before the Supreme Court. better collection service to its citizens as compared The Protection of Human Rights (Amendments) Bill, 2018: Salient to Europe, leading to a higher collection rate of e- features waste in India. This service must be strengthened • To ensure that the NHRC is more inclusive, the Bill by formalising the collectors and converting the proposes to include one member of the National informal processors into formalised dismantlers. Commission for Protection of Child Rights within • Considering the challenges associated with the its fold as a deemed member as well as a woman attitude, capacity, and capabilities of some formal member. recyclers in India, strong enforcement by • It proposes to enlarge the scope of eligibility and government institutions is very important. selection of the Chairperson of the NHRC as well • Simultaneously, several producers and importers as of State Human Rights Commissions. of electrical and electronic equipment who are • It proposes to incorporate a mechanism to look obliged by law to take over the responsibility for into cases of human rights violations in Union the products at the end-of-life stage have adopted Territories. a “wait and see” approach by attempting to avert • It proposes to amend the term of office of the their financing obligation. A balance must be Chairperson and members of the NHRC and the struck and regulators must take care not to over- State Human Rights Commissions to ensure that regulate the market which could hinder healthy it is in consonance with the terms of the growth of the e-waste sector. Chairpersons and members of other commissions. The Amendment Bill seeks to strengthen human rights CONCLUSION institutions so that they can discharge their roles and responsibilities effectively. There is a critical need for all stakeholders to join hands to make the above possible. Private households, small

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Sync with agreed global standards and benchmarks: It is how much it should provide to feed a country that is The amended Act will be in sync with the agreed global home to a fourth of the world’s hungry population. standards and benchmarks on ensuring rights relating to Also, small farmers and poor consumers in developing life, liberty, equality and dignity of individuals in the countries are the most vulnerable to volatile price country. The amendment to the Protection of Human Rights movements in commodity markets. Act, 1993 will make the NHRC and State Human Rights Calculation of subsides: Commissions more compliant with the Paris The government needs to question the way WTO calculates Principle ”concerning its autonomy, independence, subsidies, as well as the way the rich countries support pluralism and wide-ranging functions in order to effectively their farmers. For example, for the purpose of calculating protect and promote human rights”. current subsidies, the WTO uses the average of 1986-88 global prices as the base. Therefore, the difference between the ongoing MSP and these reference prices looks too high. 6. INDIA AT WTO : The way rich countries support their farmers: Last year, before the 11th ministerial committee meeting of WTO at Buenos Aires, India and China jointly submitted POVERTY, HUNGER a paper to the WTO. The paper highlighted the subsidies that developed VERSUS WTO RULES countries dole out to their farmers. Developed countries- The six industrialized nations are entitled to an overall INTRODUCTION cap for their farm subsidy called aggregate measurement In an attempt to combat rural distress, the Union budget of support (AMS), which entails subsidy up to 10% of the announced this year promised a new deal to farmers— value of total production. This gives them an opportunity minimum support prices (MSP) that would be 150% of the to manipulate the subsidies for individual products. For cost of production. instance, product-specific support in the US and the The new MSP policy could pull India into a confrontation European Union crosses over 50% for a number of crops at the World Trade Organization (WTO). Higher MSPs will and reaches as high as 89% for rice in the US. likely make Indian farm subsidies breach the limit that Developing countries- the WTO finds acceptable. On the other hand, are trapped with a product-specific de The US has announced that it will be dragging India to the minimis limit of 10%—for no crop can the AMS be higher WTO because it claims India has under-reported the market than 10% of its value of production. price support (MPS) for rice and wheat. According to the India, along with other developing countries, should make US, the MPS for wheat and rice, respectively, appears to be persistent efforts to fight the way WTO rules have been over 60% and 70% of the total value of production, against rigged to suit the developed countries. the permissible cut-off of 10%. India is planning to officially respond at the WTO’s CONCLUSION committee on agriculture meeting in June. India needs to make it clear at the WTO that it needs to US versus India’s export promotion schemes: stand by its poor at this stage of development, and that The US has also launched a case against India’s export trade law should not meddle with the fight against poverty promotion schemes. These schemes— and hunger. • Market access initiative (MAI) • Market development assistance (MDA) • Merchandise exports from India scheme (Meis)- are primarily aimed at promoting better export- 7. THE INTERNET OF oriented infrastructure facilities, capacity building, and export competitiveness. They also assist exporters of agriculture and processed THINGS : RISKS food products, thereby indirectly benefitting small and marginal farmers. These schemes are, therefore, critical in keeping agriculture remunerative in India and hence INVOLVED are worth defending at the WTO. Questioning WTO: INTRODUCTION India needs to question the foundation of the entire By 2020, there will be more than 20 billion devices subsidy regime defined by the WTO. connected to the Internet of Things (IoT), according to The relevant question is not how much support a Gartner — that’s roughly 2.5 devices for every single person government can provide to farmers to avoid distorting trade. on the planet.

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What is IoT? on this raw data could generate an inaccurate The Internet of things (IoT) is the inter-networking of representation of the individual and reflect physical devices, vehicles, buildings, and other items— incorrect behavioural patterns. embedded with electronics, software, sensors, and • Human behaviours and social engineering are network connectivity that enable these objects to collect major risk factors in an IoT environment. Example- and exchange data. The IoT allows objects to be sensed or controlled remotely across existing network infrastructure, Traffic lights. We all know that red means stop, creating opportunities for more direct integration of the yellow means wait and green means go. What physical world into computer-based systems, and resulting would happen if someone were to turn all the in improved efficiency, accuracy and economic benefit in traffic lights in a smart city to green? Just as addition to reduced human intervention. infrastructure needs to be protected from cyber The IoT ecosystem: threats, people need to be educated so they are We already rely on IoT on a daily basis. This ecosystem able to challenge algorithms generated by will become even more indispensable in the future. machines that are responding to incorrect Not only will it enhance quality of life for individuals — information. allowing us to control our homes with just a swipe on our smartphones, for example — it will allow companies to India is at a nascent stage when it comes to IoT, and create new business models and to be more proactive in adoption is slow compared with the rest of the globe. how they maintain their assets and equipment. In India, Many Indian organisations are still content with legacy IT which suffers from congestion in many urban areas, IoT over cloud infrastructure, making IoT a low priority in terms can act as a platform for smart cities by empowering local of changing business processes. authorities to effectively manage traffic and to reduce noise The government’s ‘Digital India’ and ‘Smart Cities’ and pollution. initiatives are accelerating India’s journey towards Risks: adopting digitisation. Like all emerging technologies IoT fuels emerging On this journey, it is imperative that adequate measures risks. Four main risks that require careful consideration and the implementation of strict cyber-security controls are taken to secure the IoT ecosystem, and to prepare are: organisations to unleash the full potential of IoT by • The risk of an IoT network being hacked. mitigating the associated governance, privacy and security Example- A hacker can inflict human and physical risks. damage by taking control of a self-driving car. Security should be a fundamental pillar of any IoT network, and it should be in place from the outset. 8. INDIA-NEPAL • Testing IoT infrastructure presents a significant risk. IoT is currently being implemented in a fairly agile(quick) way, with new devices and sensors RELATIONS : A NEW being introduced on an ad-hoc basis and people experimenting as they go along. BEGINNING With IoT the infrastructure is not being tested at all. No one is necessarily checking that the data sent by the sensors on different devices is actually INTRODUCTION accurate. Instead, people tend to assume that the During the just-concluded visit to Nepal, termed “historic” sensors are properly calibrated and the by Prime Minister Narendra Modi himself, he and his host, information they provide is secure and correct. Nepalese Premier KP Sharma Oli, reiterated their resolve Having accurate data is critical in an environment to effectively implement the bilateral initiatives proposed in which machines are talking to other machines during Prime Minister Oli’s recent visit to India, including and making decisions without interacting with in “agriculture, railway linkages and inland waterways humans. Organisations should use tools like development”. artificial intelligence (AI) and statistical analysis to identify those sensors that are producing The visit reflected the realisation that the relationship accurate data, and those that are not. had deteriorated in recent years and there was an urgent • IoT is giving rise to new privacy issues that need need to arrest the slide. to be addressed. Lack of awareness around privacy Key takeaways: controls may expose customers’ personal data so • Mr. Modi described it as a visit by the ‘Prime it can be used for unauthorised purposes. In Pilgrim’. With prayers offered in Janaki Mandir, addition, IoT devices generate a lot of Muktinath and Pashupatinath, the focus was on unstructured data; any data analysis conducted religious and cultural commonalities. A bus

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service between Janakpur and Ayodhya was request for its construction during her visit in January 2010. inaugurated. Likewise, Myanmar is the only ASEAN country sharing a • Only one of the earlier commitments, the 900 MW land border with India. For long, India has talked of Arun III hydel project, has progressed and both improving road and rail connections and a new port on Prime Ministers jointly laid its foundation stone. Myanmar’s Arakan coast, but the progress is minimal. • The joint statement is short. It prioritises China shares land borders with five SAARC countries and cooperation in agriculture, inland water-ways, a has a long border with Myanmar. China has for long wanted survey for a railway line from Raxaul to Kathmandu to fill the South Asian space that nature gifted to India. and increasing air connectivity. China views Nepal and Pakistan to be critically important The “catalytic role of connectivity”: for its security and territorial integrity in Xinjiang and Tibet. The two sides specially emphasised the “catalytic role of It is busy building a web of road and rail links, also ‘String connectivity”. With cross-border connectivity being a crucial of Pearls’ in Sri Lanka, Myanmar, Pakistan, and Bangladesh. factor to “enhance people-to-people linkages and promote Now that India has shown rare vision and courage to economic growth and development”, the two leaders lent proceed towards building the Raxaul-Kathmandu rail link, a renewed dynamism to several infrastructural schemes it should seize the occasion to build its self-confidence and projects. and among its neighbours by completing the project in • The two Prime Ministers jointly inaugurated an record time. integrated check post at Birgunj in Nepal to The Raxaul-Kathmandu rail link has the potential of having facilitate cross-border movement of people and a ‘transformational impact’ on the region. cargo. A new beginning based on the principles of “equality, • The ground-breaking of the Motihari-Amlekhgunj mutual trust, respect and mutual benefit”, phrases that pipeline done for petroleum supplies from India Mr. Oli now insists on including in every joint statement, to Nepal. has started and will require time. Sustained effort by India • Decided to develop “cost-efficient”, economical in ensuring implementation of long-pending economic movement of cargo through inland waterways, cooperation projects is required and must be given priority. besides providing sea-connectivity to landlocked Nepal. India commands the centre-stage in South Asia, with 51 NDIA ON ITS PATH per cent of the region’s surface area, 71 per cent of 9. I population, and 40 per cent of GDP. Most of its neighbours share borders not only with India, but also in most cases TO BECOMING AN with one more country in the region. They perforce depend on India for region-wide connectivity. ELECTRIC VEHICLE Bilateral rail connectivity (Raxaul-Katmandu): A game-changer The most momentous project ever contemplated by India HUB for its close neighbour was the joint pronouncement “to construct a new electrified rail line, with India’s financial support”, to connect Raxaul to Kathmandu, for which a INTRODUCTION preparatory survey will be conducted within one year. Over the past 12 months, the government has been While assuring that Phase I cross-border rail lines steadfastly advocating a move to phase out petrol and (Jayanagar-Janakpur/Kurtha and Jogbani-Biratnagar) will diesel cars completely and transforming the country into be completed in 2018, the ongoing final location survey for an all-electric market by the year 2030. Action plans have the three additional rail links (New Jalpaiguri-Kakarbitta, been formulated. Nautanwa-Bhairahwa, and Nepalgunj Road-Nepalgunj) The question remains, however, is India on the right track will also be expedited. to becoming an EV hub? What particularly irks India’s neighbours is lack of progress Benefits of shifting to EV: • in implementing even minor projects. India doesn’t deliver Cut down on fuel bills. • on promises made even at the highest levels. Reduce emissions. • For example, the 15-km missing rail link between Agartala Cut the escalating demand for road infrastructure. • on the Indian side and Akhaura rail-head in Bangladesh, Above all, it will change the face of the automotive that has been languishing since Bangladesh Prime Minister industry and transform India into the leading Sheikh Hasina graciously responded to India’s long-pending electric vehicle market in the region and perhaps the world.

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Opportunities: electricity (by the EVs). Addressing the increased energy • All eyes remain on India to excel in this space, needs should thus go hand in hand with discussions not only due to the strong presence of many of the surrounding the EV sector. India’s largest power generation world’s leading automotive brands, but also the utility, NTPC, is currently seeking a pan-India licence to set government’s clearly voiced support. Malaysia has up charging stations. In order to increase the momentum announced recently that it plans to lean on Indian of electrification development, an innovative and expertise in developing its own auto industry. pragmatic approach should be adopted to address energy • Many leading companies are already gearing up supplies. for EVs. Maruti Suzuki and Hyundai announced Govt support: their plans to introduce their first electric vehicles Short-term incentives such as cash subsidies, lowering road in India by 2020 and 2019, respectively. taxes and cutting GST for EVs, along with other measures Challenges: such as tax rebates, would help to project a stronger long- • With more than half of the automotive suppliers term committed strategy. in India based on engine-and-transmission The industry awaits further clarity on the government’s systems, the industry is likely to take a hit. Strong position on electric vehicles (EVs) regarding: government support will be required to help • Availability of charging infrastructure. transform these companies. • Investment and incentive guidelines. • The risk falls on the industry in determining the • The role of state governments to support the market readiness of electric vehicles. launch of EVs. Charging infrastructure: China example: • While the EV fleet and charging networks across China has already shown the way on how to support growth the world have grown concurrently, it has led to in this sector. the emergence of different charging standards in • Besides offering EV owners generous subsidies, different regions. China has also introduced a preferential vehicle • Every car has a different charging system. All licensing system, whereby EV buyers get their models of different manufacturers cannot be license plates free and with least delay. charged at any station. • China is focusing investments into EV charging • At present, there are very few charging stations in stations. India, which makes long-distance travel almost These measures have culminated in a boom for the industry impossible. with sales of electric vehicles and hybrid vehicles up 53 Given that more than 80 per cent of car owners in India per cent in 2016. If India can look to replicate at least state that they have only one car for their household, this some of these measures, the EV industry would respond limitation has always been a big hurdle to accepting EVs. positively. Government incentives such as offering subsidised electricity tariffs and promoting public awareness will help CONCLUSION in developing the infrastructure. The recent government India’s automotive industry is headed for an inflection initiative to set up EV charging stations at parking lots of point. To make India an EV hub setting up the required railway stations is likely to generate greater interest and infrastructure is most crucial. Also, keeping the industry acceptability. and its customers at the core of all relevant smart mobility Other focus areas: plans is crucial to ensure that India stays on the right track • Platforms to develop battery cell technologies and to becoming an EV hub. pack, innovative software, and telematics — whereby detailed data about the areas in a city that have the most number of EVs at any point in time, should be developed. ♦♦♦♦ • The strategic placement of charging points at coffee shops, restaurants, and malls — will help in easing the potential hiccups faced by the prospect of charging EVs outside key hub spots. Increased energy generation: There are opportunities for energy and renewable energy firms to leverage on the eventual increased demand for

136 Plot-1441, Opp. IOCL Petrol Pump, CRP Square, Bhubaneswar-751015 Ph. : 8093556677, 9040456677, Web : www.vanik.org, E-mail : [email protected] RANK 63 TOPPERS’ TALK U jjwal Kumar N ayak Rank-63 (OCS-2016)

1. What is the reason behind your decision to join Civil Service? Ans. Being a Civil Servant is my childhood dream. With time I develop an interest towards the society like how it functions, the social evils and how to get rid off it, how the policies of the Govt. affect the society at large. I am always sensitive towards the plight and misery of the common people and Civil Service is the best platform to work for the society. Also the dynamic nature of job is of immense self-satisfactory for me. 2. Whom do you dedicate your success? Ans. I dedicate my success to my parents, friends, relatives and teachers who supported me during the whole journey of preparation. 3. When did you decided to pursue a career in Civil Service? Ans. During the graduation days I decided to pursue Civil Service as my career. 4. When you started your Civil Service preparation seriously? Ans. From 2016 onwards. 5. Tell about your educational background? Ans. I did my 10th from Zilla School, Bhadrak, +2 Science from BJB Junior College, BBSR, Graduation in Political Science(Hons) from BJB Auto. College, BBSR and Post Graduation in Public Administration from Utkal University. 6. What are your optionals in OCS Exam? Ans. Public Administration and Sociology. 7. What is your opinion regarding the selection of optional and the importance of optional in OCS Exam? Ans. One should choose Optional based on his own interest. Optionals carry much weightage in Mains Exam and should be given equal importance along with GS papers. 8. What should be the criteria for selection of optional? Ans. Optional should be selected based on own interest and one should go through the whole syllabus before finalising the optional subject. 9. How one should make the strategy for the OCS Prelims? Ans. For Prelims one should focus both on static part of GS as well as current events of past one year. Solving mock papers before prelims is required to enhance the score. Though Paper 2(CSAT) is now qualifying in nature, one should not take it for granted and should practice mock papers before Prelims. 10. What should be the approach for the preparation for the OCS Mains? Ans. The first and foremost duty of the candidate is to go through the whole syllabus and previous year question papers which are provided on the OPSC website. Both GS and Optional Papers should be given equal priority and basic books such as NCERTs should be covered as per the syllabus. Revision is very important in this preparation. Last month before the exam should be reserved for revision. 11. Tell your strategy for the GS preparation for Prelims & Mains? Ans. I adopted a holistic approach both for Prelims and Mains. I covered all the basic books and prepared notes from newspaper. Solving MCQs and writing answers also helped me to perform better in the exam. 12. What is the importance of the Essay paper in OCS Exam? Ans. Essay paper carries immense importance in scoring more in the Main Exam. Newspaper plays a vital role in shaping one's opinion and one should be optimistic while writing the essay. 13. How many hours should a candidate devote regularly for preparation? Ans. There should not be any fixed hours for study. Quality of study matters more than quantity. However one should devote 5 to 6 hours daily towards the preparation. 14. What are your optionals and what are your reading materials? Ans. For Public Administration Paper 1 I referred to Prasad & Prasad, For Paper 2 Ramesh K. Arora & Rajni Goyal. For Sociology I referred to C.N. Shankar Rao for both papers. 15. Which Newspaper & Magazine you referred during your preparation? Ans. , The Samaja, Yojana, VANIK-IAS Monthly Current Affairs Magazine etc. 16. What was your approach to cover Newspaper & Magazine? Ans. Note making is essential. I identified the vital issues and revised them regularly. 17. Tell the usefulness of Internet & TV for Civil Service preparation? Ans. Internet now a days is very useful but one should use it judiciously to get maximum benefit without wasting time on social media uncesseraily. I personally don't watch TV but one can watch news and debates on TV. 18. Did you join any coaching institute for your preparation and what benefit you get? Ans. I have Joined Vajiram & Ravi in Delhi for GS and Pavan Kumar Sir for Public Administration. I got to know how to study and what to study and more importantly what not to study. Coaching institutes help me to develop the habit of studying for long hours. 19. How did Vanik-IAS help you in your preparation? Ans. I joined Vanik-IAS for OCS-2016 Interview. I got best guidance. Padhi Sir's approach towards current affairs helps in inculcating confidence to face the board. Mock interviews help me to overcome my fear. 20. Tell something about your interview? Ans. I was the first candidate to enter in the morning session. Questions are mostly opinion based. I was asked questions based on my graduation and PG subjects also. 21. How was the Interview Board? Ans. I faced the board chaired by OPSC Chairman. The members are cordial. They made me feel easy. 22. How one should prepare for the personality test? Ans. Be yourself. Don't be biased in your approach. Be confident and be honest. 23. What will be your role in the Odisha Administration? Ans. I will try to justify my position whatever responsibility vested upon me. I believe in participatory and inclusive administration. 24. How do you visualize you as an administrator? Ans. I visualise myself as a Pro-people administrator. 25. What are your message for the candidates preparing for OCS? Ans. Be patient and grow through your preparation. Plan as per your weaknesses and strengths and Give your best. It may take time but trust me it is worthy of it and you will reach your destination definitely. All The Best RANK TOPPERS’ 98 LK TA B ibhu Prasad Barik Rank-98 (OCS-2016)

1. What is the reason behind your decision to join Civil Services? It was my childhood dream to join in civil services. It is the most dynamic & diversified job in which you can bring positive change in the life of the vulnerable sections of the society. 2. Whom do you dedicate your success? I dedicate my success to the Almighty, my parents, my teachers and my friends who have been supporting me throughout this journey. 3. When did you decided to persue a career in Civil Services? After the completion of my graduation, I have decided to persue a career in Civil Services. 4. When you started your Civil Service preparation seriously? In 2015, when the notification came, I started preparing seriously for this exam. 5. Tell about your educational background? I have done my matriculation from Odisha board then done my intermediate science for JKBK College, Cuttack. I have done my graduation in Physiotherapy from SV NIRTAR, Olatpur, Cuttack. 6. What are your optionals in OCS Exam? My optionals are Sociology & Home Science. 7. What is your opinion regarding the selection of optional and the importance of optionals in OCS Exam? Optionals play a vital role in the OCS Exam as it carries 60% marks in the main exam. Before selecting the optional. One should know the syllabus and his own interest in the subject. 8. What should be the criteria for selection to optional? The criteria for selecting an optional should be one's own interest and the syllabus of the optional. 9. How one should make the strategy for the OCS prelim? I believe that one should prepare for prelim & mains exam simultaneously. First you have to cover the static parts like the history, geography, polity etc. as well as you have to cover the dynamic parts, current affairs as well. In prelims, the GS-Paper – II is now qualifying in nature. So, candidate has to put more focus on GS. Paper-I. 10. What should be the approach for the preparation for the OCS mains? As I have said earlier OCS main exam carriers more than 2000 marks. The candidate's success largely depends upon his main examination. So, one should give more attention to the main exam. One should improve his writing skills, improve speed of writing etc. Prepare optionals thoroughly. One should not neglect the qualifying papers (English & Odia) as may bright students neglected it and subsequently couldn't qualify in these two papers. 11. Tell you strategy for the GS preparation for prelim & mains? I have studied General studies simultaneously for both preliems & mains exam. I suggest to read the basic books for the subjects in GS. Don't go for many books rather read few books & revise them thoroughly. Be update with the current affairs developments. 12. What is the importance of Essay Paper in OCS Exam? Essay paper carriers 200 marks. So one should not take it lightly. It is very important in securing a good rank in the exam. 13. How many hours should a candidate devote regularly for preparation? It depends upon the individual I feel 8 – 10 hours daily will be sufficient in covering the syllabus. It is not how many hours you study rather how many hours you study with concentration that is what matters the most. 14. What are you optionals and what are your reading materials? My optionals were Sociology & Home Science. For Sociology, I have attended Saroj Samal Sir's classes. For Home Science, I have covered the basic text books available. I have made my own notes for Home Science. 15.Which newspaper & magazine you refared during you preparation? I refered to the Times of India and The Samaj daily. I have immensely benefited for Vanik-IAS monthly magazines for the Current Affairs. 16. What was your approach to cover Newspaper & Magazine? I cover the newspaper & magazines regularly and made notes out of it. Making notes from the current affairs section was helpful for me during revision. 17. Tell the usefulness of Internet & Television for Civil Service preparation? I watched Television regularly specially news channels and discussions. Internet is a must for every candidate who is preparing as everything is available in the internet. One can updated himself regarding the current affairs though the internet. 18. Did you join any coaching institute for your preparation? Yes, I joined coaching institute for my preparation for sociology. I have joined Saroj Samal Sir's classes and got immensely benefitted from his guidance. For interview, I have joined Vanik – IAS mock interview programme. 19. How did Vanik – IAS help you in your preparation? I have joined VANIK – IAS for the mock interview. I am highly benefitted from the mock interview programme. The guidance given by Pramod Padhi Sir and Saroj Samal Sir in VANIK – IAS helped me a lot in achieving success in OCS Exam. 20. Tell something about you interview? My interview lasted for 20 minutes. They asked me various questions related to my educational background, current events etc. Some of the questions, I couldn't able to answer. 21. How was the interview board? My interview board consisted of 3 members including one was lady member. They were very cordial and cooperative. They always encouraged me to give the answers to their questions. 22. How one should prepare for the personality test? One should focus on his personal background, questions related to district & state, national issues, international issues, questions related to optionals etc. 23. What will be your role in Odisha Administration? I have got Odisha Finance Service cadre. I will perform my roles in the OFS cadre and will try to do my duty sincerely. 24. How do you visualize you as an administrator? I will try to remain as an honest officer, will do my duty for the govt. and the people sincerely and will always remain people friendly. 25. What are your message for the candidates preparing for OCS? Candidates should have patience and confidence upon themselves. Dedication and determination to the study is the most important thing. Believe in yourself believe in God: Your hard work will not go in vain. All The Best Advt. RRB-PO SELECTIONS OF 2017 TILL NOW RRB-CLERK SELECTIONS OF 2017 TILL NOW

SUBRAT LUHA SOUMYASIKHA PATRA SOUMYA SAI DAS DIBYA JYOTI GIRI SAROJ KUMAR SAHOO PRITI RANJAN ACHARYA RITESH SARANGI RANUSHREE SAHOO RAJA ABHISHEK PRADHAN ABUP KUMAR BEHERA DHARA RANI PATRA JEEBAN JYOTI DAS PRITIRANJAN ACHARYA RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO SANJEEB KUMAR NAYAK RAJASHREE PANDA ATASI KU. SAHU JAGDISH CH. HEMBRAM GAYATRI DAS CHINMAYEE RATH ANMOL SAHANI ANANTA CH. DAS RAJA ABHISHEK PRADHAN SHADAB KHAN SUBRAT LUHA RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK

PRAJNYA P. NAYAK NANDINI PRADHAN MOTILAL CHHATRIA JITENDRA KUMAR BHOI JAGRUTI PRADHAN GOURISANKAR SWAIN GOPINATH SAHOO GEETANJALI PATRO DUSHMANTA NAIK DEBADATTA BEHERA ABHIJEET MOHANTY TRUPTI PRAVA BEHERA TRILOCHANA BEHERA RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO

ASHISH KU. SAMAL SOUMYA N. SENAPATI SITESH BEHERA GOUTAM KUMAR MALLIK RISHIRAJ SWAIN RAKESH KU. BISWAL ARPITA PRIYADARSHINI SOUMYA SAI DAS RAMESH C. BEHERA JEEBAN JYOTI DAS ABUP KUMAR BEHERA RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK

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UTTAM KUMAR PAL TRUPTIPRAVA BEHERA TIKINA MOHAPATRA SOUMYASHREE NAYAK SOUMYA N. SENAPATI RITESH TIWARI SIBARAM MOHANTY SHRADDHA S. PUJARI SATYAM N. BEHERA SATABDHI K. BARIK SASWATI MADHUSMITA S. BISWAS PRAKASH ASHISH KU. SAMAL RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO

MANAS R. PRADHAN SANTOSH SAHOO DEBABRATA BEHERA DHANANJAYA PRADHAN RANUSHREE SAHOO RASHMI RANJAN BARIK JANMANJAY MISHRA SANJAY KU. SUNDARAY PRIYABRATA SAHOO MANAS RANJAN ROUT JYOTIRMAYEE BEHERA RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK ROHIT KU. MAHARANA RISHIRAJ SWAIN RASMITA PANDEY RAKESH KU. BISWAL PREETI RANI SAHU PRAGYANPARAMITA DASH PRAFULLA KUMAR PANI NIBEDITA PRADHAN NAVIN KUMAR MANAS R. PRADHAN ATASI KU. SAHU SANTOSH SAHOO RITESH TIWARI RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO And Many And Many More DIPTI RANJAN BEHERA RANJIT KUMAR SIAL SUBHASMITA PRUSTY SATYA DEV PATEL SUNIL KUMAR SETHY AMBRITA SAHU BISWARANJAN NATH SIDDHARTHA DALEI RAKESH SWAIN ANURAG PATTANAYAK BAISALI SAHOO DEBABRATA BEHERA AMIT KUMAR SAMAL BUDDHADEV BISWAL PRATUSH KU. DIGAL DIBYA JYOTI GIRI DIPAN KU. NAYAK RITESH TIWARI JEEBANJYOTI DAS More Selections RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO RRB-PO Selections RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK RRB-CLERK IBPS-PO/SO SELECTIONS OF 2017 TILL NOW IBPS-CLERK SELECTIONS OF 2017 TILL NOW

SAROJ KUMAR SAHOO ROSHNI GANTAGHARIA ROHITESHWAR DHARUA NIHAR PANIGRAHI NARESH CH. PRUSTY MAHESH PRASAD NAYAK JEEBANJYOTI DAS GOUTAM MALLIK DHANANJAYA BEHERA IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK UTTAM KU. PRADHAN TAPAN KU. PRADHAN TANUSHREE MAHANTA SURAJ RAJ BHOI SUBRAT KU. DANDESH SUBHADIPTA JENA SOUMYA SAI DAS SOUBHAGYA SAHOO SIPUN SAHOO ANUP KUMAR BEHERA ARPITA PRIYADARSHINI IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO

TRUPTIPRAVA BEHERA SURAJ KUMAR PATTNAIK SUBRAT KUMAR MISHRA SUBHADIPTA JENA SMRUTIKA NAIK SIPUN SAHOO SIPRA KHUNTIA SHADAB KHAN SATYARANJAN DEBATA IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK

SANJEEB KU. PRUSTY RAJ ABHISHEK PRADHAN PRASANTA KU. BEHERA PRAMIT DASGUPTA PADMA BH. MOHANTA NARESH CH. PRUSTY GIRISH CH. PANIGRAHI GAYATRI DASH DHARANIDHAR JENA DHANANJAYA PRADHAN ASHISH KUMAR SAMAL IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO

DEEPANWITA TAREI DEBASHIS KUMAR DAS BUDDHADEV BISWAL BOBYSMITA SAMAL BISMITA PANDA ASHUTOSH PATTANAYAK ASHISH KUMAR SAMAL SARASWATI MURMU SITESH BEHERA IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK

DEEPAK KUMAR BEHERA PRAVAS KU. CHHOTARAY PARAMESHWAR PATEL BASANT KUMAR YADAV CHRISTO DAS GAMANGO ROHAN BISWAL BHAGIRATHI BEHERA BIJAN KUMAR BHOI SOUMYA R. SENAPATI RASHMI RANJAN BARIK SOHAM MOHANTY IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO IBPS-PO

ARPITA PRIYADARSHINI ANMOL SAHANI PRIYABRAT SAHOO CHRISTO DAS GAMANGO SOUMYA R. SENAPATI LALATENDU S. BARIK NIHAR R. PRADHAN SUNIL PATEL BISWODEV SAHOO IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK IBPS-CLERK

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Advt. About Vanik VANIK is a leading Institute in India that imparts coaching for Banking, Railway, Staff Selection Commission (SSC) and Other various career oriented examinations with well-founded base as well as extended and updated information of fundamentals. At VANIK, you will find a very powerful and innovative teaching system that can help you unfold your potential systematically to achieve higher standards. You will have right mix of theoretical classes with microscopic details to develop comprehensive understanding of concepts and their applications blended with periodic Online & Offline tests to cultivate proper examination temperament as well as competitiveness. We enable students to transform their aspirations into their achievements. Our rigorous training methodologies prepare you to give your best in competitions. We invite you to explore further, meet our faculties and students and experience VANIK difference! You will get the guidance, support and inspiration that you need to reach the peak of your career.

@ FOR ONLINE TEST & DISCUSSION visit : www.vanikonline.com VANIK CENTRES : Saheed Nagar CRP Acharya Vihar Cuttack B-61, A & B, Saheed Nagar Plot-1441, Opp. IOCL Petrol Pump, Near Pani Tanki, Acharya Vihar, Near Yamaha Showroom, Bhubaneswar CRP Square, Bhubaneswar Bhubaneswar Link Road, Cuttack 7205556677, 9040091102 8093556677, 9040456677 (0674) 2544404, 8093083565 8984556677, 9040656677 VANIK PUBLICATION BOOKS

VANIK Publications is a unit of VANIK Group. We publish books for competitive examinations like Bank-PO/Clerk, Railway, SSC (Technical and Non-Technical) & Civil Services (UPSC & OPSC) with latest updates which is highly supported by VANIK Team. The books are available at leading book stalls across India. Corporate Office : 1441, Opp. IOCL Petrol Pump, CRPF Square, Bhubaneswar-751015 Contact : 0674-2559977 | E-mail : [email protected] | Visit us at : www.vanikpublications.com Price : `60