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PASSAGE I

Q.No. 1 to 10. Read the following passage carefully and answers the questions given below it. Certain words have
been printed in bold to help you locate them while answering some of the questions.

Financial Inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business
growth. The viability of FI business is under question, because while banks and their delivery partners
continue to make investments, they haven't seen commensurate returns. In markets like India, most
programs are focused on customer on-boarding, an expensive process which people often find difficult to
afford, involving issuance of smart cards to the customers. However, large scale customer acquisition
hasn't translated into large scale business, with many accounts lying dormant and therefore yielding no
return on the bank's investment. For the same reason, Business Correspondent Agents who constitute
the primary channel for financial inclusion are unable to pursue their activity as a full-time job. One major
reason for this state of events is that the customer on-boarding process is often delayed after the
submission of documents (required to validate the details of the concerned applicant) by the applicant
and might take as long as two weeks. By this time the initial enthusiasm of applicants fades away.
Moreover, the delivery partners don't have the knowledge and skill to propose anything other than the
most basic financial products to the customer and hence do not serve their banks' goal of expanding the
offering in unbanked markets.
Contrary to popular perception, the inclusion segment is not a singular impoverished,
undifferentiated mass and it is important to navigate its diversity to identify the right target customers for
various programs. Rural markets do have their share of rich people who do not use banking services
simply because they are inconvenient to access or have low perceived value. At the same time, urban
markets, despite a high branch density, have multitude of low wage earners outside the financial net.
Moreover, the branch timings of banks rarely coincide with the off -work hours of the labour class.
Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool, but banks
also need to be innovative in right- sizing their proposition to convince customers that they can derive big
value even from small amounts. One way of doing this is to show the target audience that a bank account
is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of
purchases. Once banks succeed in hooking customers with this value proposition they must sustain their
interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other
touch points, and adopting a banking mechanism which is not only secure but also reassuring to the
customer. Technology is the most important element of financial inclusion strategy and an enabler of all
others. The choice of technology is therefore a crucial decision, which could make or mar the agenda. Of
the various selection criteria, cost is perhaps the most important. This certainly does not mean buying the
cheapest package, but rather choosing that solution which by scaling transactions to huge volumes
reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative
means of expansion in the unbanked market.

Q.1. Which of the following facts is true as per the passage?
(1)People from rural areas have high perceived value of banking services
(2)Cost is not a valid criterion for technological package selection for financial inclusion initiatives
(3)The inclusion segment is a singular impoverished, undifferentiated mass
(4)The branch timings of banks generally do not coincide with the off-work hours of the labour class in
urban markets
(5)All the given statements are true

Q.2. According to the passage, for which of the following reasons do the delivery partners fail to serve their
bank's goal to expand in the unbanked markets?
(A)They do not have adequate client base to sell their financial products
(B)They do not have adequate knowledge and skills to explain anything beyond basic financial products to
the customers
(C)They do not have the skills to operate advanced technological aids that are a prerequisite to tap the
unbanked market
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(1) Only (B) (2) Only (C) (3) All (A), (B) & (C) (4) Only (A) (5) Both (B) & (C)

Q.3. According to the passage, for which of the following reasons is the viability of financial inclusion under
question?
(1) The banks always prefer the cheapest package (to cut cost) while making a choice of technology to be
used
(2) The Business Correspondent Agents are highly de-motivated to pursue their activity as a full-time job
(3) The investments made by banks and its delivery partners are not yielding equal amount of returns
(4) The banks do not have adequate number of delivery partners required to tap the unbanked market
(5) The banks do not have adequate manpower to explore the diversity of the unbanked market and
thereby identify the right target customers for various programs
Q.4. In the passage, the author has specified which of the following characteristics of the customer on-
boarding process ?
(1)It involves collection of documents from the applicants in order to validate their details
(2)It involves issuance of smart cards to the customers
(3)It suffers from latency as it takes a long time after submission of documents by the customer
(4)It is an expensive process which people find difficult to afford
(5)All of the given characteristics have been specified

Q.5. What did the author try to highlight in the passage?
(A)The ailing condition of financial inclusion business at present
(B)Strategies that may help bank to expand in the unbanked market
(C)Role of government in modifying the existing financial inclusion policies

(1) Both (A) & (B) (2) All (A), (B) & (C) (3) Only (C) (4) Only (A) (5) Only (B)

Q.6. According to the passage, which of the following ways may help banks to sustain the interest of their
customers after hooking them?
(A)Adoption of a banking mechanism which is not only secure but reassuring to the customers
(B)Increasing the number of delivery partners in rural market
(C)Introduction of a simple and intuitive user application
(1) Only (A) (2) Only (C) (3) Only (B) (4) All (A), (B) & (C) (5) Both (A) & (C)

Q.7-8. Choose the word which is most similar in meaning to the word printed in bold as used in the passage.

Q.7. Multitude
(1) Impoverished (2) Handful (3) Acknowledged (4) Plenty (5) Solitude

Q.8. Ubiquitous
(1) Quintessential (2) Popular (3) Omnipresent (4) Simplified (5) Abnormal

Q.9-10. Choose the word which is most opposite in meaning to the word printed in bold as used in the passage.

Q. 9. Dormant
(1) Emaciated (2) Pertinent (3) Cornered (4) Rejected (5) Active

Q.10. Delayed
(1) Perturbed (2) Popularised (3) Expedited (4) Stabilised (5) Repressed



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PASSAGE II

Q.No.11-20. Read the following passage carefully and answers the questions given below it. Certain words have
been printed in bold to help you locate them while answering some of the questions.

The evolution of Bring Your Own Device (BYOD) trend has been as profound as it has been rapid. It
represents the more visible sign that the boundaries between personal life and work life are blurring. The
9am - 5 pm model of working solely from office has become archaic and increasingly people are working
extended hours from a range of locations. At the very heart of this evolution is the ability to access
enterprise networks from anywhere and anytime. The concept of cloud computing serves effectively to
extend the office out of office. The much heralded benefit of BYOD is greater productivity. However,
recent research has suggested that this is the greatest myth of BYOD and the reality is that BYOD in
practice poses new challenges that may outweigh the benefits. A worldwide survey commissioned by
Fortinet chose to look at attitudes towards BYOD and security from the users point of view instead of the
IT managers. Specifically the survey was conducted in 15 territories on a group of graduate employees in
their early twenties because they represent the first generation to enter the workplace with an
expectation of own device use. Moreover, they also represent tomorrow's influencers and decision
makers. The survey findings reveal that for financial organizations, the decision to embrace BYOD is
extremely dangerous. Larger organizations will have mature IT strategies and policies in place. But what
about smaller financial businesses? They might not have such well developed strategies to protect
confidential data.
Crucially, within younger employee group, 55% of the people share an expectation that they should
be allowed to use their own devices in the workplace or for work purposes. With this expectation comes
the very real risk that employees may consider contravening company policy banning the use of own
devices. The threats posed by this level of subversion cannot be overstated. The survey casts doubt on
the idea of BYOD leading to greater productivity by revealing the real reason people want to use their
own devices. Only 26% of people in this age group cite efficiency as the reason they want to use their
own devices, while 63% admit that the main reason is so they have access to their favourite applications.
But with personal applications so close to hand, the risks to the business must surely include distraction
and time wasting. To support this assumption 46% of people polled acknowledged time wasting as the
greatest threat to the organization, while 42% citing greater exposure to theft or loss of confidential data.
Clearly, from a user perspective there is great deal of contradiction surrounding BYOD and there exists an
undercurrent of selfishness where users expect to use their own devices, but mostly for personal interest.
They recognize the risks to the organization but are adamant that those risks are worth taking.

Q.11. According to the passage, for which of the following reasons did Fortinet conduct the survey on a group
of graduate employees in their early twenties?
(A)As this group represents the future decision makers
(B)As this group represents the first generation who entered the workforce with a better understanding
of sophisticated gadgets
(C)As this group represents the first generation to enter the workplace expecting that they can use their
own devices for work purpose
(1) All (A), (B) & (C) (2) Only (C) (3) Both (A) & (C)
(4) Only (A) (5) Only (B)
Q.12. Which of the following is not true about BYOD?
(1) BYOD enables employees to access enterprise network from anywhere and anytime
(2) Due to evolution of BYOD trend the 9 am - 5 pm model of working solely from office has become
outdated
(3) Recent research has confirmed that BYOD boosts organisational productivity
(4) The concept of cloud computing facilitates the BYOD trend
(5) All the given facts are true

Q.13. According to the passage, why would the decision to embrace BYOD prove dangerous to smaller
financial businesses?
(1) Their employees have poor knowledge about their devices which in turn pose a threat to the
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confidential data of the organization.
(2) Their employees are more vulnerable to misplacement of devices
(3) They may lack mature IT strategies and policies required to protect confidential data
(4) They cannot afford to deal with damage liability issues of employee-owned devices
(5) Their employees have a tendency to change jobs frequently

Q.14. According to the passage, the expectation of younger employees that they should be allowed to use
their own devices in the workplace, entails which of the following risks?
(A) Younger employees may deliberately transfer confidential data of their companies to rivals if they are
not allowed to use their own devices for work purpose

(B) Younger employees may strongly feel like leaving the company if it prevents usage of own device and
join some other company that does not have such stringent policies
(C) Younger employees may consider flouting company policy prohibiting usage of their own devices in
the workplace or for work purposes

(1) Only (C) (2) Only (B) (3) Both (A) & (C) (4) Only (A) (5) All (A), (B) & (C)
Q.15. According to the findings of the survey conducted by Fortinet, why do majority of employees prefer
using their own devices for work purpose?
(1) As they often find that the devices provided by the company lack quality
(2) As they have access to their favourite applications while working
(3) As majority of them believe that output doubles when they use their own devices for work purpose
(4) As handling data from their own devices reinforces their sense of responsibility
(5) As it helps them create a brand of their own

Q.16. What is/are the author's main objective(s) in writing the passage?
(A) To break the myth that BYOD promotes employee efficiency and organisational productivity
(B) To suggest ways to control subversion across levels of corporate chain of command
(C) To throw light upon the fact that employees even after knowing the risks involved, prefer to use their
own devices for work purpose mostly for personal benefits
(1) Both (A) & (C) (2) All (A), (B) & (C) (3) Only (C)
(4) Only (A) (5) Only (B)
Q.17-18. Choose the word which is most similar in meaning to the word printed in bold as used in the passage.

Q.17. Heralded
(1) Suspected (2) Publicized (3) Dragged (4) Objective (5) Benefit
Q.18. Outweigh
(1) Control (2) Venture (3) Perish (4) Determine (5) Surpass
Q.19-20. Choose the word which is most opposite in meaning to the word printed in bold as used in the passage.

Q.19. Embrace
(1) Contradict (2) Disobey (3) Curtail (4) Reject (5) Obscure
Q.20. Subversion
(1) Compliance (2) Sanity (3) Popularity (4) Destabilisation (5) Clarity

Q.21. P, Q, R' and S are four men. P is the oldest but not the poorest. R is the richest but not the oldest. Q is older
than S but not than P or R. P is richer than Q but not than S. The four men can be ordered (descending) in respect of
age and richness, respectively, as
(1) PQRS, RPSQ (2) PRQS, RSPQ (3) PRQS, RSQP (4) PRSQ, RSPQ (5) PSQR, RQPS

Q.22. A man fills a basket with eggs in such a way that the number of eggs added on each successive day is the
same as the number already present in the basket. This way the basket gets completely filled in 24 days. After how
many days the basket was 1/4
th
full ?
(1) 6 (2) 12 (3) 17 (4) 22 (5) 21
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Q23. The diameters of two circular coins are in the ratio of 1:3. The smaller coin is made to roll around the bigger
coin till it returns to the position from where the process of rolling started. How many times the smaller coin rolled
around the bigger coin ?
(1) 9 (2) 6 (3) 3 (4) 1.5 (5) 2.5
Q.24. The difference between the simple interest received from two banks on Rs. 500 for two years is Rs. 2-50.
What is the difference between their rates ?
(1) 0.25% (2) 0.5% (3) 1% (4) 2.5% (5) 1.5 %
Q.25. In a group of five persons A, B, C, D and E, there is a professor, a doctor and lawyer. A and D are unmarried
ladies, and do not work. Of the married couple in the Group, E is the husband. B is the brother of A and is neither a
doctor nor a lawyer. Who is the professor?
(1) B (2) C (3) A (4) D (d) Cannot be determined with the available data

Q.26-30. Study the following information and answer the following questions :
A, B, C, D, E, G, and I are seven friends who study in three different standards namely 5th, 6th and 7th such that not
less than two friends study in the same standard. Each friend also has a different favourite subject namely History,
Civics, English, Marathi, Hindi, Maths and Economics but not necessarily in the same order.

A likes Maths and studies in the 5th standard with only one other friend who likes Marathi. I studies with two other
friends. Both the friends who study with I like languages (Here languages include only Hindi, Marathi and English). D
Studies in the 6th standard with only one person and does nct like civics. E studies with only one friend. The one who
likes history does not study in 5th or 6th standard. E does not like languages. C does not like Engiish, Hindi or Civics.

Q.26. Which combination represents E's favourite subject and the standard in which he studies ?
(1) Civics and 7th (2) Economics and 5th (3) Civics and 6
th
(4) History and 7th (5)
Economics and 7th

Q.27. Which of the following is I's favourite subject ?
(1) History (2) Civics (3) Marathi
(4) Either English or Marathi (5) Either English or Hindi

Q.28. Who amongst the following studies in the 7th standard?
(1) G (2) C (3) E (4) D (5) Either D or B

Q.29. Which of the following combinations is definitely correct ?
(1) I and Hindi (2) G and English (3) C and Marathi (4) B and Hindi (5) E and Economics

Q.30. Which of the following subjects does G like?
(1) Either Maths or Marathi (2) Either Hindi or English (3) Either Hindi or Civics
(4) Either Hindi or Marathi (5) Either Civics or Economics

Q.31. Six persons A, B, C, D, E and F are standing in a row. C and D are standing close to each other alongside E. B is
standing beside A only. A is fourth from P. Who are standing on the extremes ?
(1) A and F (2) B and D (3) B and F (4) C and D (5) None of the above

Q.32. How many three-digit numbers can be generated from 1, 2, 3, 4, 5, 6, 7, 8, 9 such that the digits are in
ascending order
(1) 80 (2) 81 (3) 83 (4) 84 (5) 92

Q.33-35. Study the information and answer the following questions :
In a certain code language -
'economics is not money' is written as, 'ka la ho ga'
'demand and supply economics' is written as, 'mo ta pa ka' .
'money makes only part' is written as, 'zi la ne ki'
'demand makes supply economics' is written as, 'zi mo ka ta'

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Q.33. What may be the possible code for 'demand only more' in the given code language ?
(1) xi ne mo (2) mo zi ne (3) ki ne mo (4) mo zi ki (5) xi ka ta.

Q.34. What may be the possible code for 'work and money' in the given code language?
(1) pa ga la (2) pa la tu (3) mo la pa (4) tu la ga (5) pa la ne.

Q.35. What is the code for 'makes' in the given code language?
(1) mo (2) pa (3) ne (4) zi (5) ho

Q.36. There is a family of 6 persons A, B, C, D, E and F. There are two married couples in the family. The family
members are lawyer, teacher, salesman, engineer, accountant and doctor. D, the salesman is married to the lady
teacher. The doctor is married to the lawyer. F, the accountant is the son of B and brother of E. C, the lawyer is the
daughter-in-law of A. E is the unmarried engineer. A is the grandmother of F. How is E related to F ?
(1) Brother (2) Sister (3) Father (4) Mother (5) Cannot be established (cannot be determined)

Q.37. How many times are an hour hand and a minute hand of a clock at right angles during their motion from
1.00 p.m. to 10.00 p.m. ?
(1) 9 (2) 10 (3) 18 (4) 8 (5) 11

Q.38-40. Study the following information and answer the questions given below :
Eight people - E, F, G, H, J, K, L and M are sitting around a circular table facing the centre. Each of them is of a
different profession - Chartered Accountant, Columnist, Doctor, Engineer, Financial Analyst, Lawyer, Professor and
Scientist but not necessarily in the same order. F is sitting second to the left of K. The Scientist is an immediate
neighbour of K. There are only three people between the Scientist and E. Only one person sits between the Engineer
and E. The Columnist is to the immediate right of the Engineer. M is second to the right of K. H is the Scientist. G and
J are immediate neighbours of each other. Neither G nor J is an Engineer. The Financial Analyst is to the immediate
left of F. The Lawyer is second to the right of the Columnist. The Professor is an immediate neighbour of the
Engineer. G is second to the right of the Chartered Accountant.

Q.38. Four of the following five are alike in a certain way based on the given arrangement and hence form a
group. Which of the following does not belong to that group?
(1 ) Chartered Accountant H (2) M Doctor (3) J Engineer
(4) Financial Analyst - L (5) Lawyer - K

Q.39. What is the position of L with respect to the Scientist?
(1) Third to the left (2) Second to the right (3) Second to the left (4) Third to the right (5)
Immediate right

Q.40. Which of the following statements is true according to the given arrangement?
(1) The Lawyer is second to the left of the Doctor
(2) E is an immediate neighbour of the Financial Analyst
(3) H sits exactly between F and the Financial Analyst
(4) Only four people sit between the Columnist and F
(5) All of the given statements are true

Q.41-42. Statements : Some squares are circles. No circle is a triangle. No line is a square.
Q.41. Conclusions : I. All squares can never be triangles. II. Some lines are circles.
(1) if only conclusion I follows (2) if only conclusion II follows (3) if either I or II follows
(4) if neither 1 nor II follows (5) if both I and II follow

Q.42. Conclusions : I. No triangle is a square. II. No line is a circle.
(1) if only conclusion I follows (2) if only conclusion II follows (3) if either I or II follows
(4) if neither 1 nor II follows (5) if both I and II follow

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Q.43. In a carrom board game competition, m boys and n girls (m > n > 1) of a school participate in which every
student has to play exactly one game with every other student. Out of the total games played, it was found that in
221 games one player was a boy and the other-player was a girl.
Consider the following statements:
1. The total number of students that participated in the competition is 30.
2. The number of games in which both players were girls is 78.
Which of the statements given above is/are correct?
(1) 1 only (2) 2 only (3) Both 1 and 2 (4) Neither 1 nor 2 (5) Cant be determined

Q.44. How many numbers lie between 300 and 500 in which 4 comes only one time?
(1) 99 (2) 100 (3) 110 (4) 120 (5) 115

Q.45-47. Each of the questions below consists of a question and two statements numbered I and II given below it.
You have to decide whether the data given in the statements are sufficient to answer the questions. Read both
the statements and -

Give answer (1) if the data in statement I alone are sufficient to answer the question, while the data in statement II
alone are not sufficient to answer the question.
Give answer (2) if the data in statement II alone are sufficient to answer the question, while the data in statement I
alone are not sufficient to answer the question.
Give answer (3) if the data either in statement I alone or statement II alone are sufficient to answer the question.
Give answer (4) if the data neither in statement I nor II together are sufficient to answer the questions.
Give answer (5) if the data in both statements I and II together are necessary to answer the questions.

Q.45. Seventeen people are standing in a straight line facing south: What is Bhavna's position from the left end of
the line?
I. Sandeep is standing second to the left of Sheetal. Only five people stand between Sheetal and the one who is
standing at the extreme right end of the line. Four people stand between Sandeep and Bhavna.

II. Anita is standing fourth to the left of Sheetal. Less than three people are standing between Bhavna and Anita.

Q.46. Five letters -A, E, G, N and R are arranged left to right according to certain conditions. Which letter is placed
third ?
I. G is placed second to the right of A. E is to the immediate right of G. There are only two letters between R and G.

II. N is exactly between A and G. Neither A nor G is at the extreme end of the arrangement.

Q.47 Six people - S, T U, V, W and X are sitting around a circular table facing the centre. What is T's position with
respect to X ?
I. Only two people sit between U and W. X is second to the left of W. V and T are immediate neighbours of each
other.
II. T is to the immediate right of V, There are only two people between T 3nd S. X is an immediate neighbour of S but
not of V.

Find out the answer figure come at the end of problem figures if continued in the given sequence.


48
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Q.49. A cuboid has six sides of different colours. The red side is opposite to black. The blue side is adjacent to
white. The brown side is adjacent to blue. The red side is face down. Which one of the following would be the
opposite to brown?
(1) Red (2) Black (3) White (4) Blue (5) Cant be determined

Q.50. Two trains leave New Delhi at the same time. One travels north at 60 kmph and the other travels south at 40
kmph. After how many hours will the trains be 150 km apart ?
(1) 3/2 (2) 4/3 (3) (4) 15/2 (5) 9/2

Q.51-55. Study the following graph carefully to answer the questions that follow :

Q.51. In which city is the difference between the cost of one kg. of apple and cost of one kg. of guava second
lowest ?
(1) Jalandhar (2) Delhi (3) Chandigarh (4) Hoshiarpur (5) Ropar

Q.52. Cost of one kg. of guava in Jalandhar is approximately what percent of the cost of two kgs. of grapes in
Chandigarh ?
(1) 66 (2) 24 (3) 28 (4) 34 (5) 58

Q.53. What total amount will Ram pay to the shopkeeper for purchasing 3 kgs. of apples and 2 kgs. of guavas in
Delhi ?
(1) Rs. 530/- (2) Rs. 450/- (3) Rs. 570/- (4) Rs. 620/- (5) Rs. 490/-

Q.54. Ravinder had to purchase 45 kgs. of grapes from Hoshiarpur. Shopkeeper gave him discount of 4% per kg.
What amount did he pay to the shopkeeper after the discount ?
(1) Rs. 8,208/- (2) Rs. 8,104/- (3) Rs. 8,340/- (4) Rs. 8,550/- (5) Rs. 8,410/-

Q.55. What is the respective ratio between the cost of one kg. of apples from Ropar and the cost of one kg. of
grapes from Chandigarh ?
(1) 3 : 2 (2) 2 : 3 (3) 2
2
: 3
2
(4) 4
2
: 9
2
(5) 9
2
: 4
2


Q.56.


(Each small circle represents a different station)
What is the maximum number of different paths that exist between the station A and the station B?
(1) 28 (2) 31 (3) 33 (4) 35 (5) 34

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Q.57. All the six letters of the name SACHIN are arranged to form different words without repeating any letter in
any one word. The words so formed are then arranged as in a dictionary. What will be the position of the word
SACHIN in that sequence?
(1) 436 (2) 590 (3) 601 (4) 751 (5) 650

Q.58. Six persons M, N, O, P, Q and R are sitting in two rows, three in each. Q is not at the end of any row. P is
second to the left of R, O is the neighbour of Q and is sitting diagonally opposite to P. N is the neighbour of R. On the
basis of above information, who is facing N ?
(1) R (2) Q (3) P (4) M (5) N

Q.59. A person X has four notes of Rupee 1, 2, 5 and 10 denomination. The number of different sums of money she
can form from them is
(1) 16 (2) 15 (3) 12 (4) 8 (5) 14

Q.60.

Each of 8 identical balls is to be placed in the squares shown in the figures given in a horizontal direction such that
one horizontal row contains 6 balls and the other horizontal row contains 2 balls. In how many maximum different
ways can this be done?
(1) 38 (2) 28 (3) 16 (4) 14 (5) 27

Q. 61. In an examination, there are three subjects A, B and C. A student has to pass in each subject. 20% students
failed in A, 22% students failed in B and 16% failed in C. The total number of students passing the whole examination
lies between
(1) 42% and 84%
(2) 42% and 78%
(3) 58% and 78%
(4) 58% and 84%
(5) 47% and 78%
Q. 62. There are three cans A, B and C. The capacities of A, B and C are 6 litres, 10 litres and 16 litres respectively.
The can C contains 16 litres of milk. The milk has to be divided in them using these three cans only.
Consider the following statements:
1. It is possible to have 6 litres of milk each in can A and can B.
2. It is possible to have 8 litres of milk each in can B and can C.
Which of the statements given above is/are correct?
(1) 1 only
(2) 2 only
(3) Both 1 and 2
(4) Neither 1 nor 2
(5) Cant be determined

Q. 63. In the series AABABCABCDABCDE...
Which letter occupies the 100th position?
(1) H (2) I (3) J (4) K (5) L
Q. 64. What is the number of terms in the series 117, 120, 123, 126 333?
(1) 72 (2) 73 (3) 76 (4) 79 (5) Cant be determined
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Q. 65. Carpenter A can make a chair in 6 hours, carpenter B in 7 hours and carpenter C is 8 hours. If each carpenter
works for 8 hours per day, how many chairs will be made in 21 days?
(1) 61 (2) 67 (3) 73 (4) 79 (5) 78
Q. 66. A person purchases 100 pens at a discount of 10%. The net amount of money spent by the person to
purchase the pens is Rs 600. The selling expenses incurred by the person are 15% on the net cost price. What
should be the selling price for 100 pens in order to earn a profit of 25%?
(1) Rs 802.50 (2) Rs 811.25 (3) Rs 862.50 (4) Rs 875 (5) Rs 862.50

Q. 67. In an examination, 70% of the students passed in the Paper I, and 60% of the students passed in the Paper
II. 15% of the students failed in both the papers while 270 students passed in both the papers. What is the total
number of students?
(1) 600 (2) 580 (3) 560 (4) 540 (5)559

Q .68.

How many different triangles are there in the figure shown above?
(1) 28 (2) 24 (3) 20 (4) 16 (5) 12

Q. 69. Out of the three annual examinations, each with a total of 500 marks, a student secured average marks of
45% and 55% in the first and second annual examinations. To have an overall average of 60%, how many marks
does the student need to secure in the third annual examination?
(1) 450 (2) 400 (3) 350 (4) 300 (5) 425

Read the following question carefully and choose the best possible option.
Q.70. Recently petroleum prices have jumped due to declaration of price mechanism by the Government.
(a) You will sell your vehicle as you can't bear the hike and control the use of your vehicle
(b) You will write to a local newspaper's editor regarding again price-hike
(c) Be austere in the use of the vehicle
(d) Join a political party and hold morchas against again price hike

Q.71. When it comes to working with others, how does a leader function?
(a) He manages to share the work around equally
(b) He likes to organise all the members of his team
(c) He ends up doing most of the work
(d) He prefers to work on his own

Q.72. How does an efficient leader react when he is additional responsibility to oversee the work being
by other teams/ individuals?
(a) He relishes the opportunity to show his leadership
(b) He likes to finish the ongoing work
(c) He suggests to assign the work to somebody else
(d) He vol unteers to do the work hi msel f i nstead of di recti ng others.

Q.73. This morning, you found a junior employee of your office discussing personal matters with his friend on phone
for long. She doesn't normally behave in this way.
What would be the most effective response to this situation?
(a) Return to your work without saying anything to her
(b) Report the incident to your boss
(c) Admonish her in presence of her colleagues so that others also learn from the incident
(d) Explain to her that it may not be in her interest to use office time for personal matters

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Q.74. You and a co-worker are working on a project that demands a great deal of effort from both of you.
Your co-worker is frequently absent as a result of his personal pr obl ems . You do not know much about
hi s circumstances, nor have you known him for long. Your co-worker contributes very little to the project, and, as a
result, you have to often work overtime. You believe if you continue to work like this it may badly affect
your health.
What would be the most effective response to this situation?
(a) Ask other co-workers to help you manage your workload
(b) Bring the issue to the notice of your manager and ask for additional help
(c) Meet your co-worker to help him deal with his personal problems
(d) Continue to work overtime so that project can be completed on schedule

Q.75. You have been asked to respond in writing to a letter of complaint about rudeness on the part of a customs
officer. Which of the following responses is the most appropriate?
(a) We regret any difficulties you may have encountered when you recently went through customs. We will
investigate into the matter promptly and contact you shortly with our findings.
(b) We appreciate that you are concerned enough about our services to report this matter to the proper
authorities. The authorized officials will investigate your allegations and will attempt to find out what had
actually happened
(c) We are investigating your allegations against our officials. They are not only to catch the criminals but
also to serve the innocent people. You will hear from us shortly.
(d) We wi s h t o apol ogi ze i n advance f or t he i nconveni ence caused to you because of our
functioning. However, I must tell you that it was part of their duty to adhere the rules strictly.

Q.76. Everyone in your department has received a new project except you.
What would you do?
(a) Assume this is a mistake and speak to your boss.
(b) Remind your boss of your capabilities and ask him why he is being treated unfairly
(c) Speak to your colleagues and find out if one of them can handover their project to you
(d) Consider it as a sign of the lack of trust the boss has shown to you and quit

Q.77. You are aware that large amount of money from the district treasury has been going missing over the past
couple of weeks. On a few occasions you noticed one of your junior colleagues dropping something in her personal
bag near the cash box.
What would be the most appropriate response to this situation?
(a) Gather more information about her from different sources and catch her red-handed
(b) Ask your colleagues if they have seen her stealing department money.
(c) Confront your junior colleague and tell her about what you have noticed
(d) Don't' do anything hoping that one day she will be caught by your seniors if she is guilty.

Q.78. At the end of a hectic day at work, you erroneously send an e-mail containing an attachment containing
some confidential information to a wrong person. Your manager is busy in a meeting.
Which of the following would be the best thing to do?
(a) It has been one of those bad days when nothing works right. Leave the office for the day and deal with
the situation the next day.
(b) Overlook your error and forward the e-mail to the right person immediately.
(c) Immediately send a follow up email to the "wrong" person, or call him explaining your mistake. Then
send the email to the correct person.
(d) Explain the mistake to the manager when he comes out of the meeting and ask for his advice in the matter.

Q.79. You are working on a number of projects the completion of which can bring a lot of rewards to your
company. You have been given tight deadlines and have a lot of basic information to gather. You have asked other
colleagues for help but are unsure of their commitment.
What would you do?
(a) Effect certain changes in some of the projects so that you can complete them on time
(b) Drop some of the projects so that you can complete the remaining ones on time
IAS PRELIMS : csat
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(c) Outline the help that you need from others and explain to them why their individual contributions are
important
(d) Carry on with the tasks yourself as it may fetch you good increments

Q.80. Your team comprising five members and led by you has been working very hard on a report for around two
months and now it is almost ready for submission. A more experienced and well-respected member of the
team now tells you that some amendments can help improve the report.
Which of the following would be the best thing to do?
(a) Make some of the changes she suggests but retain the main elements of the report that you think work best
(b) Trust her experience and capability and make all of the changes she suggests
(c) Thank your colleague for her suggestions but trust your own judgment and don't make any changes to
the report
(d) Discuss the suggestions with other team members and effect the most required changes