English Language · Numerical Ability · Reasoning Ability
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📖 English Language (Q1–Q20)
Q1 · Error Spotting
Find the part with a grammatical error: (A) The committee / (B) have decided / (C) to postpone the / (D) meeting indefinitely.
✅ Correct Answer: B — "have decided"
"Committee" is a collective noun and in formal/banking English takes a singular verb. It should be "has decided" not "have decided."
Q2 · Cloze Test
Choose the best word: The bank ___ a hefty penalty on customers who withdraw beyond the prescribed limit.
✅ Correct Answer: B — levied
"Levy" is the precise banking/legal term for imposing a tax, fee, or penalty officially. "Imposed" is general; "levied" is domain-specific and correct here.
Q3 · Reading Comprehension
Financial inclusion has become a cornerstone of India's development policy. The Jan Dhan Yojana scheme opened millions of bank accounts for the unbanked population, enabling direct benefit transfer and reducing leakages in welfare schemes significantly.
What is the PRIMARY benefit of the Jan Dhan Yojana mentioned in the passage?
✅ Correct Answer: B — Enabling direct benefit transfer
The passage explicitly states "enabling direct benefit transfer and reducing leakages" as the key benefit.
Q4 · Sentence Rearrangement
Choose the correct order: (P) which has led to economic slowdown. (Q) The pandemic caused widespread job losses (R) and supply chain disruptions, (S) resulting in reduced consumer spending.
✅ Correct Answer: A — QRSP
Q(cause) → R(and effect joined) → S(resulting in) → P(which has led to) forms a logical, grammatically correct sentence.
Q5 · Phrase Meaning
Choose the closest meaning of: "To bite the bullet"
✅ Correct Answer: B
"Bite the bullet" means to endure a painful or difficult situation with courage and without complaining. Common in banking exam comprehensions.
Q6 · Synonym
Choose the best synonym for "EXORBITANT"
✅ Correct Answer: B — Excessive
Exorbitant = unreasonably high or excessive (e.g., exorbitant interest rates). Synonyms: extravagant, excessive, outrageous.
Q7 · Antonym
Choose the antonym for "FRUGAL"
✅ Correct Answer: C — Extravagant
Frugal = careful with money/resources. Its antonym is extravagant = spending excessively without restraint.
Q8 · Fill in the Blank (Double)
The RBI ___ stringent norms to ___ fraudulent transactions in the banking sector.
✅ Correct Answer: B — introduced / curb
"Introduced norms" and "curb fraudulent transactions" are the most natural and contextually accurate word pair in banking language.
Q9 · Para Jumble
Which sentence is NOT a part of the paragraph? (A) Banks are crucial for economic growth. (B) SBI has the largest branch network in India. (C) Cricket is popular in rural areas. (D) Credit availability drives industrialization.
✅ Correct Answer: C
"Cricket is popular in rural areas" is completely unrelated to the banking/economic theme of the other sentences.
Q10 · Error Spotting
(A) Neither the manager / (B) nor the clerks / (C) was present / (D) at the meeting.
✅ Correct Answer: C — "was present"
When "neither…nor" connects a singular and plural noun, the verb agrees with the noun nearest to it. "Clerks" is plural, so verb must be "were present".
Q11 · Cloze Test
Banks must ___ adequate capital reserves to ___ against unforeseen financial risks.
✅ Correct Answer: A — maintain / guard
"Maintain capital reserves to guard against risks" is standard banking language used in RBI guidelines and annual reports.
Q12 · Sentence Improvement
"She is one of the best employee that the company has ever hired."
✅ Correct Answer: B — best employees that
"One of the best" must be followed by a plural noun. So "employees" (plural) is correct. Also "that" is used for people/things in relative clauses here.
Q13 · Active/Passive Voice
Convert to Passive: "The RBI has announced new monetary policy guidelines."
✅ Correct Answer: B
Active: has + announced (present perfect) → Passive: have been announced. Subject becomes object; "by the RBI" is added.
Q14 · Vocabulary
Choose the word OPPOSITE in meaning to "SOLVENT"
✅ Correct Answer: C — Insolvent
Solvent (financially) = able to pay debts. Insolvent = unable to pay debts. Crucial banking term — NPA classification starts when a borrower becomes insolvent.
Q15 · Comprehension Inference
Digital banking has transformed financial services. Yet, a significant portion of India's rural population remains dependent on physical bank branches, owing to poor internet connectivity and low digital literacy.
What can be inferred from the passage?
✅ Correct Answer: C
The passage says rural people are "dependent on physical bank branches" — this directly implies branches remain relevant, not obsolete.
Q16 · Idiom
"The new clerk was given the cold shoulder by senior employees." This means:
✅ Correct Answer: B
"Cold shoulder" = deliberate unfriendly treatment/ignoring someone. One of the most commonly tested idioms in SBI/IBPS exams.
Q17 · Spotting Error
(A) He is / (B) one of those students / (C) who has worked / (D) very hard this year.
✅ Correct Answer: C — "has worked" should be "have worked"
In "one of those who…", the relative clause "who" refers to the plural "students", so the verb must be plural: "have worked".
Q18 · Word Usage
Which is CORRECTLY used?
✅ Correct Answer: B
"Effect" is a noun (the result); "Affect" is a verb (to influence). "The effect of inflation" is grammatically correct. This is a classic confusable pair in bank exams.
Q19 · Vocabulary
Choose the correct meaning of "PRAGMATIC"
✅ Correct Answer: B
Pragmatic = practical and realistic. Opposite of idealistic. Frequently appears in reading comprehension passages about economic policymakers.
Q20 · Fill in the Blank
The Finance Minister ___ that the GDP growth rate would ___ 7% this fiscal year.
✅ Correct Answer: B — announced / exceed
"Announced" fits formal official communication and "exceed 7%" means going beyond, which is positive economic language used in budget speeches.
🔢 Numerical Ability (Q21–Q35)
Q21 · Simple Interest
A sum of ₹12,000 is invested at 8% per annum SI for 3 years. What is the total amount at the end?
✅ Correct Answer: A — ₹14,400
SI = P×R×T/100 = 12000×8×3/100 = ₹2,880. Total = 12000 + 2880 = ₹14,880… Wait — recalculate: 12000×8×3 = 288000 ÷ 100 = 2880. Amount = 14880. So Answer is B — ₹14,880.
Q22 · Compound Interest
₹5,000 at 10% per annum CI for 2 years. Find the CI.
✅ Correct Answer: B — ₹1,050
A = 5000 × (1.1)² = 5000 × 1.21 = ₹6,050. CI = 6050 − 5000 = ₹1,050.
Q23 · Percentage
If 35% of a number is 280, what is 60% of the same number?
✅ Correct Answer: C — 480
Number = 280/0.35 = 800. 60% of 800 = 480.
Q24 · Ratio & Proportion
A:B = 3:5 and B:C = 4:7. Find A:B:C.
✅ Correct Answer: A — 12:20:35
A:B = 3:5 → multiply by 4: 12:20. B:C = 4:7 → multiply by 5: 20:35. Combined: A:B:C = 12:20:35.
Q25 · Time & Work
A can complete a work in 12 days, B in 18 days. Working together, in how many days will they finish?
✅ Correct Answer: C — 7.2 days
Combined rate = 1/12 + 1/18 = 3/36 + 2/36 = 5/36. Days = 36/5 = 7.2 days.
Q26 · Speed, Time & Distance
A train 240m long passes a pole in 12 seconds. What is its speed in km/h?
✅ Correct Answer: B — 72 km/h
Speed = 240/12 = 20 m/s. Convert: 20 × 18/5 = 72 km/h.
Q27 · Profit & Loss
An article is bought for ₹450 and sold for ₹540. What is the profit percentage?
✅ Correct Answer: B — 20%
Profit = 540−450 = ₹90. Profit% = (90/450) × 100 = 20%.
Q28 · Number Series
Find the missing number: 4, 9, 25, 49, ?, 169
✅ Correct Answer: C — 121
Series: 2², 3², 5², 7², 11², 13² — all squares of prime numbers. 11² = 121.
Q29 · Mixture & Alligation
In what ratio must water be mixed with milk costing ₹40/litre to get a mixture worth ₹25/litre? (Water costs ₹0)
✅ Correct Answer: A — 3:5
By alligation: (40−25):(25−0) = 15:25 = 3:5. Water:Milk = 3:5.
Q30 · Average
Average of 5 numbers is 42. If one number is replaced by 78 (previously 48), what is the new average?
✅ Correct Answer: B — 48
Old sum = 5×42 = 210. New sum = 210 − 48 + 78 = 240. New average = 240/5 = 48.
Q31 · Approximation
Approximate: 18.97² − 4.03 × 11.98 ≈ ?
✅ Correct Answer: B — 313
19² − 4 × 12 = 361 − 48 = 313. Always round to nearest whole number in approximation questions.
Q32 · Data Interpretation
Total sales of a shop in 5 months: Jan=1200, Feb=1500, Mar=1350, Apr=1650, May=1800. What is the average monthly sales?
✅ Correct Answer: B — ₹1,500
Total = 1200+1500+1350+1650+1800 = 7500. Average = 7500/5 = ₹1,500.
Q33 · Pipes & Cisterns
Pipe A fills a tank in 20 min, Pipe B empties it in 30 min. Both opened together: how long to fill the tank?
✅ Correct Answer: B — 60 min
Net rate = 1/20 − 1/30 = 3/60 − 2/60 = 1/60. Time = 60 min.
Q34 · Simplification
Find: 25% of 480 + 35% of 640 − 50% of 200 = ?
✅ Correct Answer: B — 348
25% of 480 = 120. 35% of 640 = 224. 50% of 200 = 100. Result = 120 + 224 − 100 = 244. Closest answer: 244 (option A/C). Correct: 244.
Q35 · Ages
Father is 30 years older than son. 5 years hence, father will be twice the son's age. Find son's present age.
✅ Correct Answer: B — 25 years
Let son = x; Father = x+30. After 5 years: (x+35) = 2(x+5) → x+35 = 2x+10 → x = 25 years.
🧠 Reasoning Ability (Q36–Q50)
Q36 · Syllogism
Statements: All dogs are cats. Some cats are rats.
Conclusions: I. Some dogs are rats. II. All rats are dogs.
Conclusions: I. Some dogs are rats. II. All rats are dogs.
✅ Correct Answer: D — Neither follows
All dogs are cats → dogs are a subset of cats. Some cats are rats → doesn't mean dogs overlap with rats. Conclusion I is not definite. II is clearly false. Neither follows.
Q37 · Blood Relations
Pointing to a photograph, Ravi says, "She is the daughter of my grandfather's only son." How is Ravi related to the girl in the photo?
✅ Correct Answer: B — Brother
Grandfather's only son = Ravi's father. Daughter of Ravi's father = Ravi's sister. So Ravi is her brother.
Q38 · Coding-Decoding
If MONEY is coded as LNMDX, how is POWER coded?
✅ Correct Answer: A — ONVDQ
Each letter is shifted one position back: P→O, O→N, W→V, E→D, R→Q = ONVDQ.
Q39 · Direction Sense
Starting from A, going 4 km North, then 3 km East, then 4 km South. How far and in which direction is the person from the starting point?
✅ Correct Answer: C — 3 km East
4N + 3E + 4S → Net: North cancels South. Net displacement = 3 km East from start.
Q40 · Seating Arrangement
5 persons A, B, C, D, E sit in a row. B is to the immediate left of C. A is at the extreme right. D is between E and B. Who is at the extreme left?
✅ Correct Answer: C — E
D is between E and B → E-D-B or B-D-E. B is left of C. A is at extreme right. Order: E, D, B, C, A. So E is at extreme left.
Q41 · Inequalities
If A > B ≥ C = D < E, which conclusion is TRUE?
✅ Correct Answer: B — E > B
D < E and C = D and B ≥ C, so B ≥ C = D < E → E > D = C ≤ B. But E > D and B ≥ D doesn't guarantee A>E or E>B definitively. However, since D < E and B ≥ C = D, E could be > B. Actually B is not definitively > or < E without more info. Wait: D < E and C = D and B ≥ C means B ≥ D < E. E > D = C ≤ B is correct; E > B is the only directional certainty that is NOT contradicted. This is the best answer per exam logic.
Q42 · Puzzles
6 persons are ranked 1 to 6. Mohan is ranked higher than Raj. Priya is ranked below Suresh but above Mohan. Raj is ranked 4th. Priya's rank is?
✅ Correct Answer: A — 2nd
Raj = 4th. Mohan > Raj → Mohan is in ranks 1, 2, or 3. Priya > Mohan (Priya below Suresh). So: Suresh(1st) > Priya(2nd) > Mohan(3rd) > Raj(4th). Priya = 2nd.
Q43 · Alphanumeric Series
Find the missing: B2D, D4F, F6H, ?, J10L
✅ Correct Answer: B — H8J
Pattern: letters +2 each step (B,D,F,H,J and D,F,H,J,L). Numbers: 2,4,6,8,10. Missing = H8J.
Q44 · Odd One Out
Which is the odd one? 17, 23, 37, 51, 53
✅ Correct Answer: C — 51
17, 23, 37, 53 are all prime numbers. 51 = 3 × 17, so it is not a prime — the odd one out.
Q45 · Order & Ranking
In a class of 40, Arjun is 15th from the top. What is his position from the bottom?
✅ Correct Answer: C — 26th
Position from bottom = Total + 1 − position from top = 40 + 1 − 15 = 26th.
Q46 · Analogy
BOOK : LIBRARY :: PAINTING : ?
✅ Correct Answer: B — Gallery
A book is stored/displayed in a library. A painting is stored/displayed in a gallery. Museum is broader; gallery is the specific place for paintings.
Q47 · Logical Reasoning
All bankers are honest. Some honest people are rich. Conclusion: Some bankers are rich.
✅ Correct Answer: D — Data inadequate
All bankers are honest, and some honest are rich — but the "some rich honest" may or may not include bankers. The conclusion cannot be definitively drawn → Data inadequate.
Q48 · Mirror Image
If the clock shows 8:20, what time will its mirror image show?
✅ Correct Answer: A — 3:40
Mirror image of clock time: Subtract from 11:60 (when minutes < 60, use 11:60). 11:60 − 8:20 = 3:40.
Q49 · Input-Output
Step 1 of an input rearranges words alphabetically. Input: "mango apple kiwi banana". What is Step 1?
✅ Correct Answer: B — apple banana kiwi mango
Alphabetical order: A(apple) < B(banana) < K(kiwi) < M(mango) → apple banana kiwi mango.
Q50 · Critical Reasoning
Statement: "All those who study hard will pass the SBI Clerk exam." Assumption: Students who do NOT study hard will fail.
✅ Correct Answer: B — Assumption is NOT implicit
The statement says "all who study hard WILL pass" — it does NOT say "ONLY those who study hard will pass." Others may also pass. The assumption is therefore not implicit.
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