Banking PO/Clerk — Previous Year Pattern Questions

Quantitative Aptitude

Q1. A train 150 m long passes a pole in 15 seconds. How long will it take to pass a platform 100 m long?

(a) 20 sec (b) 25 sec (c) 30 sec (d) 35 sec

Speed = 150/15 = 10 m/s

Distance to pass platform = 150 + 100 = 250 m

Time = 250/10 = 25 seconds

Q2. Simple interest on ₹8000 at 5% per annum for 3 years is:

(a) ₹1000 (b) ₹1200 (c) ₹1500 (d) ₹2000

SI = (P × R × T)/100 = (8000 × 5 × 3)/100 = ₹1200

Q3. If A : B = 2 : 3 and B : C = 4 : 5, what is A : C?

(a) 8:15 (b) 8:15 (c) 6:10 (d) 2:5

A:B = 2:3 = 8:12; B:C = 4:5 = 12:15

A:B:C = 8:12:15 → A:C = 8:15

Reasoning Ability

Q4. In a row of 40 students, Ravi is 12th from the left. What is his position from the right?

(a) 27th (b) 29th (c) 28th (d) 30th

Position from right = Total + 1 - Position from left = 40 + 1 - 12 = 29th

Q5. Statement: All pens are books. Some books are pencils.

Conclusions: I. Some pens are pencils. II. Some pencils are pens.

(a) Only I follows (b) Only II follows (c) Neither follows (d) Both follow

"All pens are books" and "Some books are pencils" — the pencils may be from the non-pen portion of books. Neither conclusion necessarily follows.

English Language

Q6. Choose the word most similar in meaning to ALACRITY:

(a) Laziness (b) Eagerness (c) Confusion (d) Sadness

Alacrity = brisk and cheerful readiness/eagerness.

Banking Awareness

Q7. CRR stands for:

(a) Cash Reserve Ratio (b) Credit Reserve Rate (c) Currency Reserve Ratio (d) Capital Reserve Rate

Banks must keep a certain % of their Net Demand and Time Liabilities (NDTL) as cash with RBI. Current CRR = 4%.

Q8. RTGS stands for:

(a) Real Time Gross Settlement (b) Real Time General System (c) Rapid Transfer Gross Service (d) Real Trade Gross Settlement

RTGS: high-value transactions (min ₹2 lakh), real-time, one-to-one settlement. NEFT: any amount, batches, net settlement. IMPS: instant, 24x7, up to ₹5 lakh.

Q9. Which body regulates insurance in India?

(a) RBI (b) SEBI (c) IRDAI (d) NABARD

IRDAI = Insurance Regulatory and Development Authority of India. Headquarters: Hyderabad.

Q10. Base Rate in banking is:

(a) Interest rate on saving accounts

(b) Rate at which RBI lends to banks

(c) Minimum lending rate below which banks cannot lend

(d) Rate on government securities

Base Rate: minimum rate set by each bank individually. Replaced by MCLR from April 2016. Loans are priced at Base Rate + spread.

Section-wise Time Allocation (IBPS PO Prelims)

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