RBI Grade B Officers Previous Year Exam Papers Ebook PDF

QUANTITATIVE APTITUDE
Q.1. The questions given below contain two statements giving certain data. You have to
decide whether the data given in the statements are sufficient for answering the question?
In how many days can Mridul complete a work alone?
I. Mridul and Pintoo together complete that work in 19 days.
II. Rinkoo is twice efficient than Mridul and alone can complete that work in 20 days.
(1) If statement I alone is sufficient but statement II alone is not sufficient.
(2) If statement II alone is sufficient but statement I alone is not sufficient.
(3) If each statement alone (either I or II) is sufficient.
(4) If statement I and II together are not sufficient.
(5) If both statements I and II together are sufficient, but neither statement alone is
sufficient.
decide whether the data given in the statements are sufficient for answering the question ?
What was the profit on selling a T.V. for Rs. 52500?
I. On selling each T.V. 25% profit is earned.
II. The cost price of 5 T.V. is equal to the selling price of 4 T.V.
(5) If both statements I and II together are sufficient, but neither statement alone is sufficient.
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decide whether the data given in the statements are sufficient for answering the question ?
What is the speed of boat?
I. The boat takes 4 hours to cover a distance of 16 km. in downstream.
II. The boat takes 8 hours to cover a distance of 16 km. in still water.
(5) If both statements I and II together are sufficient, but neither statement alone is sufficient.
Q.4-7. In the given number series which follows the definite rules then find out the value of
(a, b, c and d) in second number series.
9 22 50 110 236
5 a b c d
What value will come in place of d?
(1) 172
(2) 184
(3) 196
(4) 208
(5) None of these
Q.5. 8 29 152 1073 9668
12 a b c d

What value will come in place of b?
(1) 204
(2) 186
(3) 212
(4) 198
(5) None of these
Q.6. 332 336 171 59 15.75
224 a b c d
What value will come in place of c?
(1) 112
(2) 68
(3) 45
(4) 42.5
(5) None of these
Q.7. 1567 1688 1607 1656 1631
3687 a b c d
What value will come in place of b?
(1) 3566
(2) 3485
(3) 3727
(4) 3737
(5) None of these

Q.8-12. Read the following table and graph carefully and answer the questions given below.
Number of applications in 4 disciplines in different years.
Percentage of selected candidates
Q.8. What is the respective ratio of number of selected candidates in group I in Science
discipline in 2006 and number of selected candidates in the same group in other discipline in
2009?
(1) 851 : 1680
(2) 38:85
(3) 45:89
(4) 841 : 425
(5) None of these

Q.9. The number of selected candidates in group II in Science discipline in 2008 is
approximately what percent of the number of selected candidates in group I in same
discipline in the same year?
(1) 89
(2) 84
(3) 81
(4) 76
(5) 72
Q.10. In 2010, the number of selected candidates in group I in Science discipline is

approximately, what percent more than the number of selected candidates in group II in
Commerce discipline?
(1) 60
(2) 73
(3) 66
(4) 55
(5) 51
Q.11. What is the average number of selected candidates in group II in Art discipline in all the
years together?
(1) 1482
(2) 1258
(3) 1526
(4) 1345
(5) None of these

Q.12. What is the difference between the number of selected candidates in group I and group
II in commerce discipline in 2009?
(1) 822
(2) 940
(3) 1056
(4) 1130
(5) None of these
Q.13. In how many different ways can the letters of the word 'COMPOUND' be arranged so
that all the vowels always come together?
(1) 4320
(2) 5040
(3) 10080
(4) 2008
(5) None of these
Q.14. The average age of a class is 12.05 years. The average age of all girls is 12.5 years and
average age of all boys is 11.75 years. If total number of boys is 45, what is the total number
of girls?
(1) 20
(2) 25
(3) 30
(4) 35
(5) None of these

Q.15. In what proportion must some tea at Rs. 60 per kg. be mixed with another tea at Rs. 65
per kg. so that the new mixture is sold at Rs. 68.2 per kg. at a profit of 10%?
(1) 2:3
(2) 3:2
(3) 4:3
(4) 5:7
(5) None of these
Q.16. A man, a woman and a boy can do a work in 3 days, 4 days and 12 days respectively.
How many boys should help a man and a woman to do the same piece of work in day?
(1) 41
(2) 48
(3) 52
(4) 61
(5) None of these
Q.17. 160 m. and 140 m. long two trains are moving on parallel tracks in opposite direction
at the speed of 77 km./hr. and 67 km./hr. respectively. In what time they will cross each
other?
(1) 4.5 seconds
(2) 5.5 seconds
(3) 6.5 seconds
(4) 7.5 seconds
(5) None of these

Q.18. A committee of 5 students is to be chosen from 6 boys and 4 girls. What is the
probility that the committee exactly 2 girls?
(1) (2)
(3) (4)
(5) None of these
Q.19. The cost of 19 kg. of apple is Rs. 1140, 17 kg. of mango is Rs. 595 and 13 kg. of oranges
is Rs. 949. What will be the total cost of 11 kg. of apple, 7 kg. of mango and 9 kg. of orange?
(1) Rs. 1562
(2) Rs. 1530
(3) Rs. 1545
(4) Rs. 1570
(5) None of these
Q.20 Rs. 5625 is distributed among A, B and C in such a way that A gets of B and C
together and B gets of A and C together. A's share is how much more than B's share?
(1) Rs. 750 (2) Rs. 775

(3) Rs. 1500 (4) Rs. 1600
(5) None of these
Q.21. A wheel makes 1000 revolutions in order to cover a distance of 88 km. What is the
diameter of the wheel?
(1) 14 meter
(2) 24 meter
(3) 28 meter
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(5) None of these
Q.22. The compound interest on a certain sum of money at the rate of 5 p.c.p.a. for 3 years
is Rs. 1324.05. What is the simple interest?
(1) Rs. 1260
(2) Rs. 1560
(3) Rs. 1160
(4) Rs. 1360
(5) None of these
Q.23-24. In each of the following questions, two equations are given. You have to solve them
and give answer.
(1) If x>y
(2) If x>y
(3) If x<y
(4) If x<y
(5) If x=y or relationship can not be established
Q.23. (I) 6x2 + 13x – 15 = 0
(II) 2y2 – 7y – 4 = 0
Q.24. (I) 18x2 + 43x + 17 = 0
(II) 6y2 – 19y = 7
Q.25. (I) 3x2 + 5 = 16x
(II) 7y2 + 12y + 5 = 0
Q.26. (I) 21x2 + 5x – 4 = 0
(II) 9y2 + 18y = – 8
Q.27. (I) x2 + 3x + 2 = 0
(II) 2y2 = 5y
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Q.28. What approximate value will come in place of the question mark (?) in the following
questions?
96.996 × 9.669 + 0.96 = ?
(1) 860
(2) 870
(3) 1020
(4) 940
(5) 1100
questions?
(1) 7
(2) 12
(3) 9
(4) 4
(5) 15
questions?
(1) 12
(2) 15
(3) 24
(4) 21
(5) 9
Answers
QUANTITATIVE APTITUDE
Q.1. (2) From statement II,
Rinku's 1 day work = part
Mridul's 1 day work = part

So, Mridul will complete the work in 20 days.
Q.2. (3)
Q.3. (2) From statement II,
Speed of boat = = 2 km./hr.
Q.4. (2) ×2+4, ×2+6, ×2+10, ×2+16, ×2+24

Q.5. (4) ×3+5, ×5+7, ×7+9, ×9+11
Q.6. (5) ÷1+4, ÷2+3, ÷3+2, ÷4+1
Q.7. (3) +112, –92, +72, –52
Q.8. (1) Ratio = 851 : 1680
Q.9. (2) Percent = ×100

= 84 (approx)
Q.10. (3) Increase percent = ×100

= 66 (approx)
Q.11. (4) Average number = = 1345

Q.12. (5) Difference = 1358 – 532 = 826
Q.13. (5)
Q.14. (3)
Q.15. (2)

Q.16. (1)
Q.17. (4)
Q.18. (1)
Q.19. (1)
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Q.20. (1)
Q.21. (3)
Q.22. (1)
Q.23. (5)

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Q.24. (3)
Q.25. (1)
Q.26. (1)
Q.27. (3)
Q.28. (4) ? = 960 + 0.96 = 940 (approx)
Q.29. (4)
Q.30. (2) ? = 460 ÷ 30 = 15 (approx)

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RBI Grade 'B' Officer Mains Exam Paper - 2015
Subject: English (Set -A)

Q. 1. Write an essay of about 400 words on any one of the following topics: 50 marks
a. Government’s Gold related Schemes.

b. Will China’s Downturn help India?
c. Is Progress possible without Peace?
d. India needs bold Capital Investment.
e. Climatic Catastrophes are due to Man’s wild constructions.
Q. 2. Make a précis of the following passage in about 110 words and give it a suitable title. 50 marks
The Department of Industrial Policy and Promotion (DIPP) will start working closely with banks to kick-start
the government's Start-Up India initiative in both rural and urban India. Commerce and Industry Minister
Nirmala Sitharaman said the government would ensure that startups don't run out of money and that their
equity requirements don't go unattended. The minister was talking to the media on the sidelines of a FICCI
event.
The department is spearheading the Start-Up India initiative announced by Prime Minister Narendra Modi in
his Independence Day address. Sitharaman said DIPP would work with banks across the country, espcially in
rural areas. "If each of these (bank) branches gives tribal or Dalit population something to start up with, it
would take the whole startup and innovate India (initiative) thought to district level," she said.
DIPP is also working on ways to reach out to the urban educated and the deprived section of the society to
build entrepreneurship. "All over the country, youngsters are coming up with ideas of entrepreneurship. They
don't have time to wait, we don't have time to lose," Sitharaman said. The commerce minister said there is a
need for greater participation of industry in driving ahead the movement of Skill India.
"India needs an ecosystem where talent and skills can be nurtured. Through our. `10,000 crore fund of fund
for startups, we will provide soft loans, capital to those who want to start fresh enterprises," she said.
The skill development and entrepreneurship ministry currently offers certified training in 31 different sectors
under the Pradhan Mantri Kaushal Vikas Yojana. Sitharaman, in another event organised by the Confederation
of Indian Industry, said India, which ranked 142 in the World Bank's 'Ease of Doing Business' index, is likely
to fare better this year as the government has taken several steps to improve the standing.
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Subject: English (Set -B)

Q. 1. Write an essay of about 400 words on any one of the following topics: 50 marks
a. How can India gain from China’s stock market crisis ?

b. India’s GDP growth will keep rising in the next five years.
c. Tolerance should be the new Religion!
d. Indian economy needs Capital Investment.
e. Man is responsible for Climatic disasters.
Q. 2. Make a précis of the following passage in about 140 words and give it a suitable title. 50 marks
A committee set up by the government to review the international competitiveness of the Indian financial
sector has flagged capital controls, mistakes in financial sector regulation and taxation as primary reasons for
loss to offshore markets.
The finance ministry has sought comments on the first report submitted by a standing council set up by the
UPA government.
"The Report has recommended phasing of the reform process into short-term actions, medium-term goals and
long-term goals and clearly indicates the implementing agencies for them," the finance ministry said releasing
the report for public comments.
The standing council is headed by the secretary, department of economic affairs and apart from the chief
economic advisor has ten outside experts including SBI chairperson Arundhati Bhattacharya, managing
director of UTI Mutual Fund Leo Puri and Ravi Narain, former MD & present Vice chairman, NSE.
The finance ministry has called for comments by October 6 and the government will thereafter take a view of
the recommendations.
This committee has identified five reasons for corrective action to develop Indian finance so that it does not
lose any further ground to offshore markets, noting that there has been a sharp rise in overseas financial
activities on Indian assets, especially derivatives on the rupee and the market index, Nifty "An active market
for these has developed offshore," the report says estimating $20 billion daily turnover in these assets, market
that should come to onshore in India for the reasons identified.
Most importantly, financial services is a labour and technology intensive business and these can allow India
to be globally competitive in financial services.It has identified a BondCurrency-Derivatives nexus for a more
effective monetary policy mechanism in India and for that reason too Indian finance needs to develop. "If
India is able to regain market share within the onshore market, and if the Bond-Currency Derivatives Nexus
evolves locally, the central bank will become more effective with a strong monetary policy transmission that
is
able to help counteract business cycle fluctuations," the report notes.
"From the viewpoint of a global customer, sending an order to (say) the CME in the US or the Singapore
Exchange (SGX) is frictionless," the committee notes why these offshore centres have managed to trade Indian
assets in a big way.
"For India to compete in the new globalised world of finance, our markets must match these competitor
markets in three respects: rationalise and ultimately remove capital controls, achieve technically sound
financial regulation, and shift to residence-based taxation," the committee suggests flagging KYC contents
and its implementation as a typical irritant.
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Subject: English
1. Write an argumentative essay of about 500 words, on any one of the following :—
(a) Euthanasia, a debatable phenomenon in India.

(b) Media is one of the strongest pillars of democracy.
(c) Role of R.B.I. in controlling the inflation.
(d) Stand of the NDA Government in dealing with corruption.
(e) Uses and misuses of Anti-Dowry Act.
(f) Commonwealth Games-2014 and India.
2. (a) Make a précis of the following passage in your own words, reducing it to about 230 words and
give it a suitable title. Use the précis sheet specially provided for this purpose :—
Against the background of a stable recovery of world economy, the 6th BRICS leaders meeting from July,
15th to 16th at Fortaleza, Brazil, with the theme of Sustainable Solutions for Inclusive Growth, is definitely
among the most important international events in the second half of this year. It is also an important event for
ChinaIndia relations since the President of China has had his first ever meeting with the new Indian Prime
Minister on the sidelines of the summit. The BRICS has become an important force to cope with the
international financial crisis, in driving global economic growth and in promoting democratization of
international relations.
The BRICS countries (Brazil, Russia, India, China and South Africa) are not only building upon their own
strength, but also make efforts to help others. Despite the financial need for their own economy, BRICS
contributed a total sum of $180 billion to the International Monetary Fund in two rounds and the efforts were
well commended by the international community. BRICS is highlighted by pragmatic co-operation in major
projects.
The BRICS New Development Bank (NDB) and the Financial Contingency Reserve Arrangement (CRA),
which were first initiated during the 2012 BRICS summit in India, has become reality in the Fortaleza summit.
The NDB and CRA will not only benefit the BRICS countries, but also provide finance to infrastructure
projects in emerging markets and other developing countries. It is also aimed to assist them to better withstand
risks from international financial turbulence. Other key economic co-operative projects such as joint financing
by respective development banks, co-operation among industrial and business enterprises and the economic
and trade liaison group will also inject new momentum for development of the BRICS countries.
As the world’s two most populous and largest developing countries as well as the founding members of the
BRICS, China and India are firm supporters and active participants of the co operation among the BRICS
countries, and always take co-operation with other BRICS countries as one of the priorities in their foreign
policy. China and India are also good neighbours, good friends and good partners that have established a
strategic and co-operative partnership for peace and prosperity. Both countries are now facing a historical
mission of growing the economy and improving people’s livelihood. The China-India bilateral co-operation
and their co-operation under the BRICS framework are complementary to each other. Our major projects
include the BCIM Economic Corridor, the Chinese-style industrial parks in India, railway co-operation, and
initiatives of the Silk Road Economic Belt and co-operation along the 21st Century Maritime Silk Road. We
are also working for a “ Trans-Himalayas Economic Growth Region” driven by doubleengine of China and
India. All the co-operation can be benefited from the BRICS co-operation mechanism. China and India should
establish a closer partnership of development to promote more integration of market, greater financial linkage,
better connectivity of infrastructure as well as closer people-to-people contacts, and thus to bring our people
tangible benefits.
India recently announced its Railway and Union budgets, indicating that India is set to accelerate economic
development. As India’s only neighbour in BRICS, China hopes and believes that, under the strong leadership
of Indian Prime Minister, India’s economy will gear up to a healthy track and develop better. China will
enhance its co-operation with India by proactive and practical action.
Chinese railway department has recently sent officials and technical experts to India for substantive
consultation on co-operation of the speedup of existed railway lines and the upgradation of railway stations.
It is firmly believed that, with our joint efforts, a wide-ranging, multilevel and high-quality economic co-
operation between China and India will be achieved with more convergence of our two emerging markets.
The common development of China and India will ensure the Asian century’s arrival.
There are still challenges for the BRICS countries to move forward. As an old saying goes, ‘If you want to go
fast, go alone ; if you want to go far, go together.’ It is positively believed that as long as China, India and
other BRICS members insist on building their strong partnership, deepening economic co-operation, a better
future is achievable for BRICS.
(b) Answer any two of the following questions based on the above passage :—
(i) What are the major objectives of the BRICS Bank ?

(ii) How can pragmatic co-operation in major projects be ensured through the BRICS ?
(iii) Illustrate how can the China- India bilateral co-operation be achieved under the framework of the
BRICS ?
(c) Use any three of the following phrases in sentences of your own, to bring out its meaning :—
(i) to cope with
(ii) pragmatic co-operation
(iii) trade liaison
(iv) tangible benefits
(v) gear up.
3. Attempt any one of the following in about 250 words :—
(a) It has been reported to R.B.I. that few banks are violating the prescribed norms while granting loans to
the Private Companies.
As the General Manager of R.B.I., direct a committee to be instantly constituted to look into the matter and
recommend the remedial measures to be initiated against such banks. Draft a committee report.
(b) On behalf of RBI, issue a circular to all the subsidiary banks to open special cell to deal with educational
loan applications for higher education in India and abroad and expedite the essential procedures to sanction
the loans within a specific period of 10 days.
(c) The Chairman of Customers’ Association has reported to R.B.I. that banks located in rural areas are not
able to function well due to frequent cuts in power supply. It causes tremendous inconvenience to customers
who come from far off places and go back without their work being done. On behalf of R.B.I., draft a letter
to the Chairman of the Association, assuring him that the matter will be seriously taken into account and
rural banks will be instructed to make provision for the installation of generators to address this problem
permanently in case of power failure.
Subject: English
Essay (40 Marks)
Write an argumentative essay in about 500 words on any one of the following topics: 40marks
a. Can technology bring about economic growth with social justice?
b. Has the RBI succeeded in curbing inflation?
c. Can we have a corruption-free sobriety?
d. Has the economic balance of power tilted eastwards?
e. Is social ‘net’ working a blessing or a curse?
Précis writing (24 Marks)

Make a précis of the following passage reducing it to about (230 words) and give it a suitable title. Write
the précis on the special sheet provided for this purpose. 24marks
Microfinance is now understood as a financial activity. But, it actually emerged from development
considerations. The need for access to capital was specifically articulated by women during the UN
Conference on Women and Development in Mexico City in 1976. The focus then was on the micro-person,
the person with a micro-status in society.
The term microfinance came much later and its association moved from savings to microcredit to financial
services. However, the primary objective of microfinance has always been developmental in nature. All along,
it was aimed at removing poverty and hunger. But these two questions cannot be addressed adequately without
factoring in the issue of health.
Financial services are not just about money or giving loans to the poor. They are really about building assets
to provide security and livelihood to poor people. This would be impossible to achieve without taking into
account the health status of poor individuals and their families.
All too frequently, the poor default on paying back their loans cause of ill health and inability to earn during
that period. This has taught us an important lesson: The poor work at the cost of their own body.
A poor woman’s health and, therefore, her body is the first and foremost asset of her work and her life. For
microfinance to achieve its objective of providing financial services to the poor it has to lay stress on health
security as a crucial element of social security. They are indeed, two sides of the same coin.
When I started organizing informal sector labour in the late 1960s and early 1970s, I asked the poor what they
wanted most invariably, it was work they sought and not charity. Yes, they longed for a better life but not the
one without dignity. At the same time, it was clear that their earnings could easily be wiped out without support
services most importantly, health and childcare.
Capacity building in numeracy and literacy also required social security. This is necessary for sustained
development and higher levels of efficiency. This is where microfinance can play an important role and, for
this reason, we need more microfinance co-operatives today.
But addressing this and providing health security is currently difficult since insurance schemes are generally
not suited to the poor. We must therefore, develop innovative insurance products that meet the requirements
of the poor while satisfying insurance principles. That is why an integrated approach that links microfinance
with healthcare is so essential for development.
A product that has worked well is the deposit-linked life and non-life insurance. As the demand for insurance
grows, the need for an independent, autonomous body offering health insurance to its members grows as well.
This is an important social security measure because, among other things, it can help finance medical
expenditure.
The banks can play an important role in this area by providing financial services that cater to the healthcare
needs of the poor borrowers. These include flexible savings and loans and particularly emergency loans on
demand. Housing loans too can mitigate the hardship of the poor improved living conditions lead to better and
healthier lifestyle. In this connection one needs to strengthen the participation of women in banking especially
in microfinance.
In the final analysis, it is the women of the household who balance the family budget. They can, therefore,
play a vital role in nourishing not just kinship ties but health and well-being of the family as well. Thus, when
she borrows from a Microfinance Institution (MFI) she sees it not just as access to money but as access to an
input that will strengthen her family To ensure that women continue to play a pivotal role in MIFIs, we have
to ensure that they are protected through social security and health security.
A Government that fails in its duty to provide basic healthcare services at the local level adds to the
indebtedness of the poor workers. That is why, the microfinance sector should collectively take up this policy
issue with tie Government. We must remember that income security and health security are two sides of the
same coin, especially for the poor who are at the heart of MFIs.
Comprehension (16 Marks)

From the above passage, Answer following Questions in your own words (Any three, 12m)
1. Trace the in of the term microfinance What has been its aim all along?
2. Why do the poor default on repayment? What lesson has the author learnt from this experience?
3. Why does the author say that to truly benefit the needy microfinance sector should focus on the issue of
health?
4. What role can insurance companies and banks play in providing social security to poor borrowers?
5. Why does the author say that women can play a vital role in ensuring the success of MFIs
Explain contextual meaning of any four (4 marks)
1. development considerations
2. crucial element
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3. informal sector
4. support services
5. sustained development
6. integrated approach
Letter/Report writing (20 Marks)

Write Any one of the following (250 words)
1. Indian households have savings of above 30%— one of the highest in the world. A Committee has been
constituted to suggest various financial products where these savings can be invested with a view to
protecting the principal from inflation and also to give positive and real returns. Draft the Committee Report.
2. Commuting to office during peak hours has become an ordeal particularly in large cities. This is affecting
the efficiency of the employees. As the HR Manager draft a proposal to be sent to RBI for introducing
flexible working hours in the bank. Highlight the salient features of flexi-time and how it would enhance
efficiency at workplace.
3. RBI had issued a Notification directing commercial banks against lending more than 80% of the value of the
property for loans above Rs. 20 lakhs. The President of the Association of Real Estate Developers of India
has written to RBI stating that this move does not bode well for developers as it may lead to drop in home
sales. On behalf of RBI write a suitable reply to be sent to the President of the Association. Impress upon
the real estate developers that the notification is aimed at curbing speculation in the market and not at
affecting home sales.
Subject: English
Precis
Make a précis of the following passage reducing it to about (230 words) and give it a suitable title. Write
the précis on the special sheet provided for this purpose. 24marks
Microfinance is now understood as a financial activity. But, it actually emerged from development
considerations. The need for access to capital was specifically articulated by women during the UN
Conference on Women and Development in Mexico City in 1976. The focus then was on the micro-person,
the person with a micro-status in society. The term microfinance came much later and its association moved
from savings to microcredit to financial services. However, the primary objective of microfinance has always
been developmental in nature. All along, it was aimed at removing poverty and hunger. But these two
questions cannot be addressed adequately without factoring in the issue of health.
Financial services are not just about money or giving loans to the poor. They are really about building assets
to provide security and livelihood to poor people. This would be impossible to achieve without taking into
account the health status of poor individuals and their families.
All too frequently, the poor default on paying back their loans cause of ill health and inability to earn during
that period. This has taught us an important lesson: The poor work at the cost of their own body.
A poor woman's health and, therefore, her body is the first and foremost asset of her work and her life. For
microfinance to achieve its objective of providing financial services to the poor it has to lay stress on health
security as a crucial element of social security. They are indeed, two sides of the same coin.
When I started organizing informal sector labour in the late 1960s and early 1970s, I asked the poor what they
wanted most invariably, it was work they sought and not charity. Yes, they longed for a better life but not the
one without dignity. At the same time, it was clear that their earnings could easily be wiped out without support
services most importantly, health and childcare.
Capacity building in numeracy and literacy also required social security. This is necessary for sustained
development and higher levels of efficiency. This is where microfinance can play an important role and, for
this reason, we need more microfinance co-operatives today.
But addressing this and providing health security is currently difficult since insurance schemes are generally
not suited to the poor. We must therefore, develop innovative insurance products that meet the requirements
of the poor while satisfying insurance principles. That is why an integrated approach that links microfinance
with healthcare is so essential for development.
A product that has worked well is the deposit-linked life and non-life insurance. As the demand for insurance
grows, the need for an independent, autonomous body offering health insurance to its members grows as well.
This is an important social security measure because, among other things, it can help finance medical
expenditure. The banks can play an important role in this area by providing financial services that cater to the
healthcare needs of the poor borrowers. These include flexible savings and loans and particularly emergency
loans on demand. Housing loans too can mitigate the hardship of the poor improved living conditions lead to
better and healthier lifestyle. In this connection one needs to strengthen the participation of women in banking
especially in microfinance.
In the final analysis, it is the women of the household who balance the family budget. They can, therefore,
play a vital role in nourishing not just kinship ties but health and well-being of the family as well. Thus, when
she borrows from a Microfinance Institution (MFI) she sees it not just as access to money but as access to an
input that will strengthen her family To ensure that women continue to play a pivotal role in MIFIs, we have
to ensure that they are protected through social security and health security.
A Government that fails in its duty to provide basic healthcare services at the local level adds to the
indebtedness of the poor workers. That is why, the microfinance sector should collectively take up this policy
issue with tie Government. We must remember that income security and health security are two sides of the
same coin, especially for the poor who are at the heart of MFIs.
Ela Bhatt.
Comprehension
From the above passage, Answer following Questions in your own words (Any three, 12m)
 Trace the in of the term microfinance What has been its aim all along?
 Why do the poor default on repayment? What lesson has the author learnt from this experience?
 Why does the author say that to truly benefit the needy microfinance sector should focus on the issue of
health?
 What role can insurance companies and banks play in providing social security to poor borrowers?
 Why does the author say that women can play a vital role in ensuring the success of MFIs
Explain contextual meaning of any four (4 marks):
a. development considerations
b. crucial element
c. informal sector
d. support services
e. sustained development
f. integrated approach
Letter Writing
Write Any one of the following (250 words)
 Indian households have savings of above 30%— one of the highest in the world. A Committee has been
constituted to suggest various financial products where these savings can be invested with a view to
protecting the principal from inflation and also to give positive and real returns. Draft the Committee
Report.
 Commuting to office during peak hours has become an ordeal particularly in large cities. This is affecting
the efficiency of the employees. As the HR Manager draft a proposal to be sent to RBI for introducing
flexible working hours in the bank. Highlight the salient features of flexi-time and how it would enhance
efficiency at workplace.
 RBI had issued a Notification directing commercial banks against lending more than 80% of the value of
the property for loans above Rs. 20 lakhs. The President of the Association of Real Estate Developers of
India has written to RBI stating that this move does not bode well for developers as it may lead to drop
in home sales. On behalf of RBI write a suitable reply to be sent to the President of the Association.
Impress upon the real estate developers that the notification is aimed at curbing speculation in the market
and not at affecting home sales.
CON 491 http://www.bankexamportal.com/elearning
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R. B. I. S. B. (Gr. B.DR)
PY – 2014
(Maximum Marks—100)
[ Duration : 3 Hours ]
PAPER II
ECONOMIC AND SOCIAL ISSUES
Instructions.— (1) Answer any five questions.

(2) In case the candidate answered more than Five
questions, only the first five answers will be evaluated
and the rest of the answers will be ignored.
(3) All questions carry equal marks. ( 20 marks for each
question).
(4) Each question should be answered on new page and
the question number must be written on the top.
(5) The answers of parts of the same question, if any,
should be written together. In other words, the answer
of another questions should not be written in-between
the parts of a question.
(6) Marks will be deducted for illegible hand-writing.
(7) Answers will be evaluated on the basis of perspective,
analysis, and presentation.
(8) Answers must be written either in English or
in Hindi. However, all the questions should
be answered in one language only. Answer-books
written partly in English and partly in Hindi will not
be evaluated.
(9) Candidate should use only Blue or Black ink pen/Ball
point pen to write the answers.
(10) The Name, Roll No. and other entries should be written
in the answer-scripts at the specified places only and
these should not be written anywhere else in the
answer script and supplements used, if any.
1. Explain different indices for measuring economic development. Which

measure is most appropriate according to you and why ?
2. “ Deepening challenge of the climate change is the area that requires
immediate global attention”. Discuss.
3. (a) Explain the provisions under MGNREGA.
(b) Examine the challenges of Direct Benefit Transfer (DBT) with respect
to MGNREG Scheme.
4. Examine the inter-relationship of food inflation and rising wages in
rural areas of India.
[ Turn over
5. Explain the causes of India’s rising sexual crime graph. What measures would you
suggest to prevent the same?
6. “Increasing unemployment in India reveals that we are not able to put our
demographic dividend to good use”. Discuss.
7. Explain :—
(a) Trends of Foreign Direct Investment (FDI) in India
(b) FDI in Insurance
8. Critically evaluate the J P Nayak committee’s recommendations to dismantle the
government’s stakes in nationalized banks.
9. Explain the contribution of service sector in income, employment and export in
India.
10. Write notes on any two :—
(a) Malnutrition in India
(b) Use of social media in education : a boon or bane
(c) Problem of child labour in India
(d) Declining sex ratio.
———————
Study Materials for IBPS-PO (Probationary Officer) Exam
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Subject: Economic and Social Issues

Questions (Attempt any five)
Q.1 Examine the banking sector reform measures undertaken in India since 1991. Briefly
describe the recent changes in RBI’s monetary policy.
Q.2 Two Questions
i. What is sustainable development? What should be done to achieve it?
ii. What is environment management? Explain social and economic aspects of environment management.
Q.3 Two questions
i. Do you agree with a view that public sector enterprises have played a strategic role in accelerating
economic growth? Explain.
ii. Explain the importance of service sector and its contribution to employment in India.
Q.4 Two Questions
i. Monetary measures have failed to control inflation in India.” Explain. (b) Suggest suitable options for
controlling inflation.
ii. Explain the measures and strategies adopted by India on the following subjects
Q.5 Two Question
i. Provision of Social Security
ii. Foreign Direct Investment.
Q.6 Two questions
i. Explain the factors responsible for rapid growth of export over the past decade.
ii. What changes have taken place in the product composition of exports in recent years.
Q.7 Two Questions
i. Religion continues to be an important source of identity for most people in South Asia. Discuss.
ii. Examine the need of secularism in our country with special reference to constitution of India.
Q.8 Two Questions
i. Is creation of smaller states the right solution to improve the quality of governance and check
corruption? Discuss.
ii. Explain the changes in public administration in the age of globalization and liberalization.
Q.9 Two Questions
i. Caste factor is most dominant and omnipresent in Indian politics ‘. Discuss the statement with suitable
illustration.
ii. Explain the impact of reservation policy on scheduled castes and scheduled tribes.
Q.10 Write notes on any two :
i. Impact of globalization on culture, media and technology.
ii. Role of small and medium enterprises in Indian economy.
iii. Privatization of higher education.
iv. IMF in the changing world.
Subject: Economic and Social Issues

1. Examine the banking sector reform measures undertaken in India since 1991. Briefly describe the
recent changes in RBI's monetary policy.
2. Two Questions
i) What is sustainable development? What should be done to achieve it?
ii) What is environment management? Explain social and economic aspects of environment
management.
3. Two questions
i) Do you agree with a view that public sector enterprises have played a strategic role in accelerating
economic growth? Explain.
ii) Explain the importance of service sector and its contribution to employment in India.
4. Two Questions
i) Monetary measures have failed to control inflation in India." Explain. (b) Suggest suitable options
for controlling inflation.
ii) Explain the measures and strategies adopted by India on the following subjects
5. Two Question
i) Provision of Social Security
ii) Foreign Direct Investment.
6. Two questions
i) Explain the factors responsible for rapid growth of export over the past decade.
ii) What changes have taken place in the product composition of exports in recent years.
7. Two Questions
i) Religion continues to be an important source of identity for most people in South Asia. Discuss.
ii) Examine the need of secularism in our country with special reference to constitution of India.
8. Two Questions
i) Is creation of smaller states the right solution to improve the quality of governance and check
corruption? Discuss.
ii) Explain the changes in public administration in the age of globalization and liberalization.
9. Two Questions
i) Caste factor is most dominant and omnipresent in Indian politics '. Discuss the statement with
suitable illustration.
ii) Explain the impact of reservation policy on scheduled castes and scheduled tribes.
10. Write notes on any two :

i) Impact of globalization on culture, media and technology.
ii) Role of small and medium enterprises in Indian economy.
iii) Privatization of higher education.
iv) IMF in the changing world.
CON 490 http://www.bankexamportal.com/elearning
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2 . ºÉÆtÒªÉ ¤ÉVÉ]õ, 2014-2015 ºÉä ºÉ¨¤ÉÆÊvÉiÉ Ê´ÉiiÉÒªÉ, ¤ÉèËEòMÉ iÉlÉÉ ¤ÉÒ¨ÉÉ IÉäjÉ ºÉä VÉÖbä÷Ã ½ÚþB
|ÉÉ´ÉvÉÉxÉÉå EòÉ ºÉÆÊIÉ{iÉ ¨Éå ´ÉhÉÇxÉ EòÒÊVÉªÉä*
3 . 1991 ºÉä Ê´ÉiiÉÒªÉ IÉäjÉ Eäò Ê´ÉEòÉºÉ ºÉä ºÉ¨¤ÉÆÊvÉiÉ Ê´ÉÊ¦ÉxxÉ ºÉÖvÉÉ®úÉå EòÉä ÊSÉÎx½þiÉ EòÒÊVÉªÉä*
4 . (+) RBI BC]õ, 1934 Eäò |ÉÉ´ÉvÉÉxÉÉå EòÉä ºÉÆIÉä{É ¨Éå ºÉ¨ÉZÉÉ<ÇªÉä*
(¤É) ±ÉPÉÖ ¤ÉéEòÉå Eäò Ê±ÉB Ê´É¦ÉänùEò ±ÉÉ<ºÉåºÉ (differential licenses) VÉÉ®úÒ Eò®úxÉä Eäò
Ê±ÉB RBI Eäò |ÉªÉÉºÉÉå {É®ú BEò ±ÉäJÉ Ê±ÉÊJÉB*
5 . ÊEòx½þÒ nùÉä {ÉªÉÉÇªÉÉå {É®ú ºÉÆIÉä{É ¨Éå ±ÉäJÉ Ê±ÉÊJÉB :---
(+) ºÉä¤ÉÒ (SEBI).
(¤É) ¶ÉäªÉ®ú ¤ÉÉVÉÉ®ú (Stock Market).
(Eò) ºÉä´ÉÉ Eò®ú (Service Tax).
(b÷) ºÉÉ¨ÉÚÊ½þEò @ñhÉ (Syndicated Loan). [ {É±É]õEò®ú näùÊJÉB
¦ÉÉMÉ--II
6. ÊEòºÉÒ ¦ÉÒ ´ÉÉÊhÉÎVªÉEò <EòÉ<Ç EòÉä =V´É±É ¤ÉxÉÉxÉä ¨Éå ‘EÆò{ÉxÉÒ +Ê¦É¶ÉÉºÉxÉ’ (Corporate
Governance) iÉlÉÉ ‘EÆ ò {ÉxÉÒ EòÒ ºÉÉ¨ÉÉÊVÉEò ÊVÉ¨¨Éä n ù É ®ú Ò ä ’ (Corporate So-
cial Responsibility) BEò nÚùºÉ®äú Eäò {ÉÚ®úEò ½èþ, º{É¹]õ EòÒÊVÉB*
7. +ÆiÉ®ú º{É¹]õ EòÒÊVÉªÉä :---

(+) ¶ÉÉÎ¤nùEò +Éè®ú ºÉÉÆEäòÊiÉEò ºÉÆSÉÉ®ú.
(¤É) ÊxÉnæù¶ÉxÉ +Éè®ú ÊxÉªÉÆjÉhÉ.
8. ‘BEò ºÉ¡ò±É xÉäiÉÉ ºÉnèù´É |É¦ÉÉ´ÉÒ xÉäiÉÉ ½þÉäiÉÉ ½èþ’ CªÉÉ +É{É <ºÉ EòlÉxÉ ºÉä ºÉ½þ¨ÉiÉ ½èþ ?
9. ¨ÉÉxÉ´É ºÉÆºÉÉvÉxÉ Ê´ÉEòÉºÉ Eäò iÉk´É :---
(+) ¨ÉÉxÉ´É ºÉÆºÉÉvÉxÉ Ê´ÉEòÉºÉ (HRD) Eäò iÉk´É iÉlÉÉ =qäù¶ªÉÉå EòÒ ºÉÆIÉä{É ¨Éå ´ªÉÉJªÉÉ
EòÒÊVÉªÉä *
(¤É) ¨ÉxÉÉä¤É±É (Morale) Eäò Ê´ÉEòÉºÉ ¨Éå |Éä®úhÉÉ (Motivation) Eäò ªÉÉäMÉnùÉxÉ
EòÉä ºÉ¨ÉZÉÉ<ÇªÉä*
-----------------------------
R. B. I. S. B. (Gr. B.DR)
PY-2014
(Maximum Marks—100)
[ Duration : 3 Hours ]
PAPER III
FINANCE AND MANAGEMENT
Instructions.—(1) Attempt any three questions from Section I and

any two from Section II.
(2) In case the candidate answered more than Five questions,
only the first five answers will be evaluated and the
rest of the answers will be ignored.
(3) All questions carry equal marks.
(4) Each question should be answered on new page and the
question number must be written on the top.
(5) The answers of parts of the same question, if any, should
be written together. In other words, the answer of
another questions should not be written in-between the
Parts of a question.
(6) Marks will be deducted for illegible hand-writing.
(7) Answers must be brief and to the point.
(8) Answers must be written either in English or
in Hindi. However, all the questions should be answered
in one language only. Answer-books written partly
in English and partly in Hindi will not be evaluated.
(9) Candidate should use only Blue or Black ink pen/Ball
point pen to write the answers.
(10) The Name, Roll No. and other entries should be written in
the answer-scripts at the specified places only and these
should not be written anywhere else in the answer script
and supplements used, if any.
SECTION I
1. State the different types of exchange risks inherent in foreign exchange

business.
2. Briefly explain the Union Budget, 2014-2015 provisions relating to
financial, banking and insurance sectors.
3. Trace the developments in financial sector reforms in India since 1991.
[ Turn over
4. (a) Explain in brief the provisions of R. B. I. Act,1934.
(b) Write a note on R. B. I. ’s attempt in giving differential licenses for
small banks.
5. Write short notes on any two of the following :—
(i) SEBI
(ii) Stock Exchanges
(iii) Service Tax
(iv) Syndicated Loans.
SECTION II
6. “ Corporate Governance and Corporate Social Responsibility are the twins
to shine a corporate entity ” — Discuss.
7. Distinguish between :—
(a) Verbal and Non-verbal Communication
(b) Directing and Controlling.
8. “ A successful leader is always an effective leader ” — do you vouch
this statement.
9. (a) Explain in brief the Concept and Goals of Human Resources
Development ( HRD ).
(b) Outline the role of incentives in building up employee morale.
------------------------------

Subject: Finance and Management
Section I (Write Any Three Qs)
1. What is meant by merchant banking? Discuss in detail the various functions performed by merchant
bankers.
2. Briefly explain the salient features of the Foreign Exchange Management Act.
3. “A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future generations.”
Explain.
4. Explain in detail the different methods of credit control in India.
5. (a) What is securitization? What purpose does it serve? (b) Discuss the benefits and limitations of
securitization.
Section II (Write Any Two Qs)

1. Sound organization is an essential prerequisite of efficient management.” Explain.
2. What are the major differences between autocratic, democratic and abdicative styles of leadership?
3. (a) Explain the terms authority and responsibility (b) What is delegation of authority? How can
delegation be made effective?
4. Discuss the role of communication in an organization. What are the barriers to effective
communication?

Subject: Finance and Management
Section I
1. What is meant by merchant banking ? Discuss in detail the various functions performed by
merchant bankers.
2. Briefly explain the salient features of the Foreign Exchange Management Act.
3. “ A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future
generations.” Explain.
4. Explain in detail the different methods of credit control in India.
5. (a) What is securitization ? What purpose does it serve ?
(b) Discuss the benefits and limitations of securitization.
Section II
6. “ Sound organization is an essential prerequisite of efficient management.” Explain.
7. What are the major differences between autocratic, democratic and abdicative styles of leadership ?
8. (a) Explain the terms “ authority ” and “ responsibility ”.
(b) What is delegation of authority ? How can delegation be made effective ?
9. Discuss the role of communication in an organization. What are the barriers to effective
communication ?
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QUANTITATIVE APTITUDE

In how many days can Mridul complete a work alone?

I. Mridul and Pintoo together complete that work in 19 days.

(1) If statement I alone is sufficient but statement II alone is not sufficient.

(2) If statement II alone is sufficient but statement I alone is not sufficient.

(3) If each statement alone (either I or II) is sufficient.

(4) If statement I and II together are not sufficient.

What was the profit on selling a T.V. for Rs. 52500?

I. On selling each T.V. 25% profit is earned.

(1) If statement I alone is sufficient but statement II alone is not sufficient.

(2) If statement II alone is sufficient but statement I alone is not sufficient.

(3) If each statement alone (either I or II) is sufficient.

(4) If statement I and II together are not sufficient.

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What is the speed of boat?

I. The boat takes 4 hours to cover a distance of 16 km. in downstream.

(1) If statement I alone is sufficient but statement II alone is not sufficient.

(2) If statement II alone is sufficient but statement I alone is not sufficient.

(3) If each statement alone (either I or II) is sufficient.

(4) If statement I and II together are not sufficient.

What value will come in place of d?

(5) None of these

Q.5. 8 29 152 1073 9668

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(5) None of these

Q.6. 332 336 171 59 15.75

What value will come in place of c?

(5) None of these

Q.7. 1567 1688 1607 1656 1631

What value will come in place of b?

(5) None of these

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Number of applications in 4 disciplines in different years.

Percentage of selected candidates

(1) 851 : 1680

(4) 841 : 425

(5) None of these

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Q.10. In 2010, the number of selected candidates in group I in Science discipline is

(5) None of these

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(5) None of these

(5) None of these

(5) None of these

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(5) None of these

(5) None of these

(1) 4.5 seconds

(2) 5.5 seconds

(3) 6.5 seconds

(4) 7.5 seconds

(5) None of these

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(5) None of these

(1) Rs. 1562

(2) Rs. 1530

(3) Rs. 1545

(4) Rs. 1570

(5) None of these

(1) Rs. 750 (2) Rs. 775

(4) 40 meter Join Online Coaching for IBPS, SBI Exams

(1) Rs. 1260

(2) Rs. 1560