Jammu and Kashmir Bank Clerk Prelims Model Paper 1
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English Language
Directions (1-10): In each of the question given
below a/an idiom/phrase is given in bold which is
then followed by five options which then tries to
decipher its meaning as used in the sentence.
Choose the option which gives the meaning of the
phrase most appropriately in context of the given
sentence.
1. The Sri Lankan Supreme Court’s ruling that
President Maithripala Sirisena’s term will end when
he completes five years in office comes as no state
of amazement.
A.fortune
B.jolt
C.surprise
D.start
E.curiosity
2. It is not a bad idea to revisit old committee
reports with a view to considering their possible
implementation.
A.advisedly
B.purposely
C.designed
D.freely
E.pointedly
3. The in favour verdict in the elections to the State
Assembly in Karnataka is important for both the
Congress and the Bharatiya Janata Party (BJP) for
reasons more than one.
A.positive
B.Supportive
C.kind
D.praiseful
E.friendly
4. While the Vokkaligas found a strong foothold in
the Janata Dal led by Mr. Deve Gowda, the success
of the BJP in the State lies in attracting the Lingayats
to its fold by the early 1990s.
A.protests
B.demonstrates
C.manifests
D.confuses
E.loses
5. The Malimath report tip off a standard of proof
lower than the current ‘beyond reasonable doubt’
standard.
A.submit
B.commend
C.prefer
D.suggests
E.advocate
6. The widespread perception that there is corruption
on the one hand and a deep nexus between crime
syndicates and politicians on the other, has added to
the wearing down of public confidence in the justice
delivery systems.
A.spoiling
B.erosion
C.consumption
D.building
E.construction
7. Karnataka was the first State it came to power in
South India and its weak point to repeat this
performance may tell badly on its future in the South.
A.lack
B.inutility
C.unfitness
D.inability
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E.incapability
8. According to the IMF’s January update of the
World Economic Outlook, the global economy is all
set to clock its best growth rate in seven years in
2018 following a pickup since mid2016.
A.handy
B.ready
C.equipped
D.covered
E.waiting
9. Abroad based recovery in global growth may
be rounding up steam, but the price the world will
have to pay for it is still unknown.
A.grouping
B.gathering
C.Associating
D.levy
E.rallying
10. It is no secret that since the 2008 financial crisis
the global economy has been propped up mainly by
the unprecedented easy money policies adopted by
global central banks.
A.boosted
B.restored
C.energized
D.pushed
E.excited
Directions (11-15): Read the following passage
carefully and answer the questions given below it.
They are not extinct, nor even on the endangered-
species list. But company analysts, once among the
most prestigious professionals in the stockmarket,
are being culled. New European rules, with the
catchy name of MiFID2, have just dealt analysts
another blow. A study by Greenwich Associates
estimates that the budget for the research they
perform may drop by 20% this year. In their heyday
in the late 1980s and early 1990s, analysts could
make or break corporate reputations. A “buy” or “sell”
recommendation from the leading two or three
analysts in an industry could move a share price
substantially. Fund managers, and many financial
journalists, relied on analysts to spot those
companies that were on a rising trajectory, and those
where the accounts revealed signs of imminent
trouble. And the best analysts were very well paid.
But that golden age was built on some rusty
foundations. Analysts were well paid because they
worked for the big investment banks. But those big
banks made money not just by helping investors to
trade but also by advising companies on new issues,
and on mergers and acquisitions. In such
circumstances, there was an implicit bargain that
analysts would be positive about a company’s
prospects. If they were not, the chief executive might
take his business elsewhere. Over time, “buy”
recommendations far exceeded “sell” suggestions.
This looked less like dispassionate analysis than
marketing. A second problem came in the 2000s as
regulators cracked down on the way that companies
released news to the market. Information could no
longer be selectively released to favoured analysts.
By the same token, those “Sherlock-like” analysts
who liked to spot trends through independent
company visits faced difficulties. Everything came to
depend on the profits guidance issued by companies
for the next quarter or year. And analysts dared not
let their forecasts stray too far from what the
companies suggested. The paradoxical result was
that finance, an industry whose acolytes often
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trumpet the superiority of free-market economics,
had created a poorly functioning market—one that
was oversupplied with analysts who mostly offered
the same product. Why, then, did it survive at all?
The conventional way that investors rewarded banks
for good research was not to pay for it directly, but to
funnel securities trades their way. This system of
“soft” commissions created two conflict-of-interest
questions. Were fund managers trading more than
they needed to just to pay for their research? And
were they getting the best terms available when they
did that trade? In both cases, the client, not the fund
manager, was in effect paying for the service. There
was little incentive to change.
Under the new MiFID rules, banks will not be
allowed to bundle research up with other products.
Fund managers will have to pay for it separately. As
a result, they are expected to be much more
selective. This recalls Dr Johnson’s response when
Boswell asked whether the Giant’s Causeway in
Northern Ireland was worth seeing. The great man
replied: “Worth seeing, yes; but not worth going to
see.” The suspicion is that, for many fund managers,
the work of analysts is “worth having, but not worth
paying to have”. The rules may technically apply only
to Europe but even American investment banks are
expected to adjust their business models to cope
with MiFID. The employment prospects of analysts
had already been hit by index-tracking, or “passive”
fund management, which simply buys all the shares
in a benchmark, and by the growth of quantitative
hedge funds, which use computer programs to select
stocks. But the best analysts need not despair
completely. The biggest fund managers employ in-
house research. Some may be willing to pay for
analysis from independent boutiques (as has been
the case in the world of economics). The fear,
however, is that something will be lost in the process.
For all their faults, analysts acted as conduits for
company information to be passed to investors who
could not afford their own research (charities and
small pension funds, for example) and, via the
media, to the general public. A few heroic analysts
(one thinks of Richard Hannah, a long-term
Eurotunnel sceptic) proved adept at exposing
corporate flimflam.Alas, the industry generated far
too few sceptics and far too many corporate
cheerleaders. The baby is being thrown out with the
bathwater—but in recent times it was a very small
baby amid an awful lot of murky water.
11. What is true regarding the passage?
1. The profession of company analysts is
reducing day by day.
2. Author thinks that profession of company
analyst will be extinct in near future.
3. Total budget for the research have dropped
this year.
A.Only 1
B.Only 2
C.1 & 3
D.1 & 2
E.All of the above
12. Earlier what is true regarding analysts?
1. Earlier top analyst can increase the
reputation of any corporate companies.
2. Analyst can move any share price
substantially.
3. Mostly analyst gave wrong suggestions to
their company.
A.Only 1
B.Only 2
C.1 & 3
D.1 & 2
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E.All of the above
13. What is the main problem of analysts according
to the passage?
1. There was some problem for investor form
the side of regulators.
2. In the 2000s companies guided their analyst
to forecast according to the advice of
companies.
3. Free functioning of analysts stopped.
A.Only 1
B.Only 2
C.1 & 3
D.1 & 2
E.All of the above
14. Which can be true from the given sentences?
1. There is new MiFID rule in which bank will not
be allowed to research up with other
products.
2. Bank doesn’t pay their researcher directly
from investor rewards.
3. Investors are not relying on the bank’s
research for their investment.
A.Only 1
B.Only 2
C.1 & 3
D.1 & 2
E.All of the above
15. Which of the following can be the suitable title for
the passage?
1. Drowning profession of analysts.
2. Pros and cons of being an analyst.
3. Golden age of analyst.
4. Making a company reputed.
A.Only 1
B.Only 2
C.1 & 3
D.1 & 2
E.All of the above
Directions (16-20): In each of the questions given
below a sentence is given with one blank. Below
each sentence FOUR words are given out of which
two can fit the sentence. Five options are given with
various combinations of these words. You have to
choose the combination with the correct set of words
which can fit in the given sentence.
16. For long, scientists have been _________by the
fact that long strands of DNA apparently have no real
function.
A. Astonished
B. puzzled
C. confused
D. doubtful
A.A-B
B.B-C
C.C-D
D.A-D
E.B-D
17. Influential corporate groups have _________ the
judiciary’s independence.
A. Distorted
B. curved
C. falsified
D. melted
A.A-B
B.B-C
C.C-D
D.A-C
E.B-D
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18. As the consequences of the historic press
conference of the four senior most judges of the
Supreme Court play out, a constant ________ that
has been heard is of the need to resolve differences
internally.
A. forgo
B. refrain
C. abstain
D. stop
A.A-B
B.B-C
C.C-D
D.A-D
E.B-D
19. For the BJP, while winning the State may not be
very _______ to its overall dominance at present,
losing it may have ominous significance.
A. urgent
B. essential
C. deciding
D. crucial
A.A-B
B.B-C
C. C-D
D.A-D
E.B-D
20. The process of _________ legislation for road
safety has been in the making for the past four years.
A. suggesting
B. announcing
C. introducing
D. prefacing
A.A-B
B.A-C
C.B-C
D.A-D
E.B-D
Directions (21-30): In the given questions, there is a
sentence given which is divided into five parts labled
as A, B, C, D, E. There will be grammatical errors in
any two parts of the sentence. From the options,
choose the pair which contains errors.
21. A ruling by South Africa’s Constitutional Court
at (a)/ Friday, December 29, that Parliament
should (b)/ putting in place a mechanism for Jacob
Zuma’s (c)/ removal is a judicial setback for the
President. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
22. The potentially premature end to his scandal-
plagued tenure will (a)/ also being a political blow for
Cyril Ramaphosa, (b)/ the Deputy President, those
was elected leader of the (c)/ African National
Congress (ANC) at the party’s conference last
month. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
23. His victory intensified speculation over (a)/ the
early exited of the beleaguered Mr. Zuma, (b)/ who
has been embroiled in allegations of (c)/ high profile
corruption that predate thier presidential tenure since
2009. (d)
A.a-d
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B.a-c
C.b-c
D.c-d
E.b-d
24. But the election of number of Mr.
Zuma’s (a)/ supporters to the ANC top executive in
last month’s organisational poll (b)/ may have put
paid to such hopes, even if their populist
programmes (c)/ will constricting Mr. Ramaphosa’s
pragmatic approach on the economy before the 2019
popular vote. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
25. The most spectacular of Mr. Zuma’s controversial
links involve (a)/ “state capture;” a cryptic description
of (b)/ the strategic connections between the
President’s family (c)/ and the mining and media
empire in the now notorious Gupta brothers. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
26. Tales of how Guptas cornered lucrative state
contracts (a)/ and even influenced ministerial
appointments in their (b)/ adopted home were recent
recounted before (c)/ the U.K. House of Lords by
veteran anti-apartheid campaigner Peter Hain. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
27. A year later, in December, the Pretoria High
Court ordered Mr. Zuma (a)/ to act on that
recommendation inside a month, (b)/ even as it
characterised the delay as tantamount (c)/ to
disregarding the ombudsman’s constitutional
duties. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
28. Perhaps buttress the prospects for trials
on (a)/ this occasion, the Pretoria court in December
ordered (b)/ the removing of the country’s chief
prosecutor, a Zuma appointee, (c)/ handing
responsibility to select his successor to the Deputy
President. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
29. The majority ruled that Parliament have (a)/ failed
to hold Mr. Zuma to account for the use of
millions (b)/ of rands of public funds to upgraded his
rural home in Nkandla, (c)/ in his native province of
KwaZulu-Natal. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
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30. The latest verdict is a sequel to the
court’s (a)/ unanimous 2016 ruling, when they held
that Mr. Zuma’s refusal (b)/ to reimburse the state, as
per the 2014 recommendations (c)/ of the country’s
public protector, was inconsistency with the
Constitution. (d)
A.a-d
B.a-c
C.b-c
D.c-d
E.b-d
Numerical Ability
Directions (31-35): In the following questions, two
equations numbered are given in variables x and y.
You have to solve both the equations and find out
the relationship between x and y. Then give answer
accordingly-
A .x> y
B. x < y
C. x ≥ y
D. x ≤ y
E. x = y or relationship cannot be determined
31.
I.4x2 – 9x – 9 = 0,
II.4y2 + 11y + 6 = 0
A.A
B.B
C.C
D.D
E.E
32.
I.3x2 – 2x – 21 = 0,
II.6y2 + 17y + 7 = 0
A.A
B.B
C.C
D.D
E.E
33.
I.3x2 – 13x + 14 = 0,
II.3y2 – 20y + 32 = 0
A.A
B.B
C.C
D.D
E.E
34.
I.3x2 – 2x – 16 = 0,
II.3y2 – 20y + 32 = 0
A.A
B.B
C.C
D.D
E.E
35.
I.5x2 – 16x – 16 = 0,
II.3y2 – 14y + 8 = 0
A.A
B.B
C.C
D.D
E.E
36. Meera, Swapna and Rishwi started a business
where their initial capital was in the ratio of 1:2:3. At
the end of 6 months, Meera invested an amount
such that his total capital became equal to Rishwi's
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initial capital investment. If the annual profit of
Swapna is Rs.4500 then what is the total profit ?
A.15750
B.18240
C.17950
D.16450
E.None of these
37. A car worth Rs.300000 is sold by Rajesh to
Praveen at 10% profit. Praveen sells the car back to
Rajesh at 4% loss. Then in the entire transaction
Rajesh gets the loss/ gain is?
A.Rajesh gains Rs.13200
B.Rajesh gains Rs.13300
C.Rajesh loses Rs.33000
D.Rajesh loses Rs.3168
E.None of these
38. Sanjai got gold medal for his studies 4 years ago.
His present age is 3/2 times his age at the time of he
got the prize. Sanjai’s brother was 5 years younger
to him at the time of his prize event. The age of
sanjai’s brother is.
A.12 yrs
B.7 yrs
C.3 yrs
D.9 yrs
E.None of these
39. 5 years ago, the average age of Mr. Ravi family
of 5 members was 30 years. 2 children having been
born with the difference of 3 years, the present
average age of the family is the same. The present
age of the youngest child is.
A.16 yrs
B.14 yrs
C.18 yrs
D.12 yrs
E.None of these
40. Daniel speaks truth in 2/5 cases and Sherin lies
in 3/7 cases. What is the percentage of cases in
which both Daniel and Sherin contradict each other
in stating a fact?
A.72.6%
B.51.4%
C.62.3%
D.47.5%
E.None of these
41. The length and breadth of the hall are 60 feet
and 30 feet respectively. Square tiles of a 6 feet
length of different colors are to be laid on the floor.
Red tiles are laid in the 1st row on all sides. If green
tails are laid in the one – two time of the remaining
and yellow in the rest, how many yellow tiles will be
there?
A.15
B.16
C.17
D.18
E.None of these
42. The ratio of the number of male and female in a
committee is 5:6. If the percentage increase in the
number of male and female
be 12% and 10% respectively, what will be the new
ratio?
A.33:28
B.28:33
C.27:34
D.34:27
E.None of these
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43. The compound interest for 2 years on sum of
amount is Rs.416 and the simple interest on the
same sum for the same period is Rs.400. the
difference between the CI & SI for 3 years will be.
A.48.94
B.49.28
C.47.76
D.46.65
E.None of these
44. Varun deposits Rs.12000 in a financial institute at
18% interest per annum for a period of one year and
Rs.9750 in another financial institute at 13.5% per
annum for a period of one year. The total interest
amount obtained is what percentage of the whole
sum?
A.14.23%
B.12.45%
C.13.43%
D.15.98%
E.None of these
Directions (45-49) What approximate value will come
in place of question mark (?) in the given questions?
45. 18.05 x 8.99 - 52.02 = ?
A.140
B.75
C.160
D.110
E.150
46. 149.96 x 3.02 - 114.57 x 1.93 =?
A.170
B.220
C.310
D.190
E.260
47. 45.04 ÷ 4.97 = ? ÷ 12.99
A.104
B.91
C.120
D.117
E.143
48. 135.59 ÷ 7.62 x 2.93 = 75.01% of ?
A.80
B.60
C.40
D.20
E.68
49. 75.05% of (289.96 + 142.01) = ?2
A.10
B.16
C.14
D.18
E.12
Directions (50-54): What should come in place the
question mark (?) in the following questions?
50. 7872 + 6997 + 3420 = ?
A.18298
B.18289
C.18890
D.18829
E.None of these
51. 682.69 + 832.87 = 10009 – ?
A.8494.40
B.8493.44
C.8694.60
D.8993.44
E.None of these
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52. 47.5 × 97.5 × 2 = ?
A.8125
B.9125
C.8215
D.9215
E.None of these
53. 7 (1/2) of 220 + 308.65 + ? = 80995
A.79036.35
B.7903.635
C.16356.35
D.89036.35
E.None of these
54. 625.97 × 7.5 + 299.87 = ? – 4632.64
A.9627.285
B.9672.85
C.9227.285
D.9762.285
E.None of these
Directions (55-59): What will come in place of the
question marks (?) in the following Number series?
55. 25200, 3600, 600, 120, 30, 10, 5, ?
A.5
B.1
C.6
D.7
E.None of these
56. 3, 9, 31, 129, 651, ?
A.1542
B.1293
C.3913
D.2451
E.None of these
57. 195, 167, 141, 117, 95, ?, 57
A.82
B.75
C.66
D.59
E.None
58. 500, 498, 492, 480, ?,430
A.460
B.490
C.430
D.540
E.None of these
59. 525, 480, 440, 405, 375, 350, ?
A.580
B.280
C.330
D.480
E.None of these
Directions (60-64): Study the following bar graph
carefully and answer the questions
Number of units manufactured (in thousands) by Six
different companies over the years
60. What is the percent increase in the number of
units manufactured by Company E in the year 2008,
from the previous year?
A.4.73%
B.4.62%
C.4.45%
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D.4.36%
E.None
61. What is the average number of units sold by
Company D in the years 2005 and 2008 together?
A.14.65
B.15.75
C.15.95
D.16.47
E.None
62. What is the respective ratio of total number of
units manufactured by company A & C together in
the year 2005 to those manufactured by company B
and D together in the same year?
A.47 : 52
B.37 : 21
C.29 : 21
D.30 : 17
E.None
63. The number of units manufactured by Company
E in the year 2006 is approximately,
What percent of the total number of units manufactur
ed by Company E in all the years together?
A.21%
B.27%
C.17%
D.25%
E.23%
64. What is the ratio of the total number of units
manufactured by company C over all the years to
total number of units manufactured by company E
over all the years together?
A.261:307
B.307:262
C.321:252
D.252:321
E.None
65. Animesh, Mohit and Ronit together can finish a
work in 12 days. Animesh can do it in 24 days while
Mohit can do it in 30 days. Animesh and Mohit work
together for 12 days and leave the rest of the work to
be completed by Ronit. How many days will he take
to do the rest of the work?
A.13
B.15
C.12
D.16
E.None of these
Reasoning Ability
Directions (66-70): Study the given information
carefully and answer the given questions.
Arun, Ramesh, Thiru, Lokesh, Krishnan, Suresh,
Prasanth and Antony are sitting around a circular
table at equal distances between each other, but not
necessarily in the same order. Some of the people
are facing the centre while some face outside (i.e. in
a direction opposite to the centre).
Lokesh sits third to the right of Arun. Both Suresh
and Arun are not facing same direction. Only three
people sit between Krishnan and Ramesh. Krishnan
is neither an immediate neighbour of Arun nor
Lokesh. Ramesh faces outside. Prasanth sits to the
immediate left of Ramesh. Suresh sits to the
immediate right of Thiru. Neither Arun nor Lokesh is
an immediate neighbour of Thiru. Both the immediate
neighbours of Ramesh face the opposite directions.
Antony sits second to the right of Prasanth. Both
Prasanth and Suresh face the same direction as
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Antony. Krishnan faces a direction opposite to that of
Thiru.
66. Which of the following is true regarding Suresh
as per the given arrangement?
A.Only three people sit between Suresh and
Prasanth.
B. Suresh sits second to right of Lokesh.
C.Suresh faces outside.
D.None of the given statements is true
E.Suresh sits second to the left of Krishnan
67. How many people in the given arrangement face
the centre?
A.One
B.Three
C.Five
D.Four
E.Two
68. Who amongst the following sits exactly between
Ramesh and the one who sits second to the left of
Krishnan?
A.Arun
B.Thiru
C.Lokesh
D.Suresh
E.Prasanth
69. What is Thiru's position with respect to Krishnan?
A.Immediate left
B.Third to the right
C.Fourth to the right
D.Second to the left
E.Immediate right
70. Four of the following five are alike in a certain
way based on the given seating arrangement and so
form a group. Which is the one that does not belong
to that group?
A.Antony
B.Arun
C.Thiru
D.Suresh
E.Prasanth
Directions (71-75): Study the following information
carefully and answer the given questions.
In a certain code language,
“good to them” is coded as “ba so ble”
“meet you the party” is coded as “ja fi zo va”
“good to meet you” is coded as “ja so vaba” and
“invite them to meet the party” is coded as “fi
blevabake zo”
71. How is “invite” coded in the given code
language?
A.fi
B.ke
C.ba
D.va
E.None of these
72. What does the code “so” stand for in the given
code language?
A.good
B.Them
C.To
D.Meet
E.None of these
73. How is “party” coded in the given code
language?
A.Either “ke” or “fi”
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B.Either “zo” or “ble”
C.Either “zo” or “fi”
D.Either “zo” or “va”
E.Either “ja” or “fi”
74. How will “invite meet you” be coded in the given
code language?
A.javake
B.ke jable
C.va bake
D.zojava
E.so java
75. Which of the following will be coded as “so baja”
in the given code language?
A.the good to
B.good you them
C.good you invite
D.you meet good
E.you good to
Directions (Q. 76–79) In each of the following
questions three statements are given. You have to
decide that whether the information given by these
statements sufficient to answer the question.
76. What is the total monthly income of Jagat?
I. Jagat’s income is Rs. 100 more than
Raman’sincome.
II. Raman’s income from other sources isRs.
2000 which is Rs. 50 less than Jagat’sincome
from other sources.
III. Raman’s income is Rs. 1550.
A.Only II
B.II and III
C.I and III
D.I and II
E.I, II and III
77. Four subjects—Accounts, Commerce,
Economics and Computer Science were taught in
four consecutive periods. Each period is of 1 hour
duration and first period started at 8: 00 a.m. At what
time did the Commerce period started?
I. Economics period finished at 10 : 00 a.m. and
just before it was the Computer Science
period.
II. Accounts period was the last.
III. Commerce period was just after Economics.
A.Only I
B.Only II
C.II and III
D.I and II
E.I and II or I and III
78. Dharini is shorter to Ramya and Archana is taller
than Bhavani. Who is the tallest?
I. Archana is taller than Dharini.
II. Ramya is taller than Archana.
III. Bhavani is the shortest.
A.Only III
B.I and II
C.Only II
D.I, II and III
E.None of these
79. ‘CKH’ means ‘We are friends’ in a certaincode
language. Which letter stands for ‘We’?
I. ‘PKN’ means ‘They are class-mates’.
II. ‘HMS’ means ‘We love them’.
III. ‘FC’ means ‘Hello Friends’.
A.I and II
B.Only I or only II
C.Only II
D.II and III
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E.None of these
80. Which of the following will be suitable in
the placeof question mark (?) in the given series?
GTQ, JRN, MPK, PNH, ?
A.QKD
B.RJF
C.TMD
D.SLE
E.None of these
81. Which of the following will be suitable in the
place of question mark (?) in the given series?
RTD, UXI, XBN, AFS, ?
A.DHY
B.DJX
C.CKZ
D.EJX
E.None of these
82. Ajith moved 6 km to East. Then he moved10 km
after turning to his right. He then moved 6 km after
turning to his right. Again he moved 15 km after
turning to his left. Now in which direction and how far
is he from the starting point?
A.15 km, South
B.25 km, South
C.25 km, North
D.21 km, South
E.None of these
83. Arjun started to move in theNorth direction from
P. After moving 30 m he reached Q, from Q he
turned to his left and moved 40 m to reach R. Again
he turned to his left from R and moved 30 m and
reached S. Now how far is he from the starting point
?
A.10 m
B.40 m
C.30 m
D.50 m
E.None of these
84. D is heavier than E but not as much as A. E is
heavier than F. C is heavier than D, but lighter than
B. Who is the lightest?
A.A
B.B
C.E
D.D
E.F
85. Ganesh is heavier than Suresh. Varun is heavier
than Karan. Arjun is heavier than Ganesh. Which of
the following is necessary to decide that who is the
heaviest?
A.None more is necessary
B.Suresh is heavier than Varun
C.Karan is lighter than Varun
D.Arjun is heavier than Suresh
E.Suresh is lighter than Ganesh.
Directions (86-90): In these questions, certain
symbols have been used to indicate relationships
between elements as follows:
A @ B means P is not smaller than Q.
A # B means P is not greater than Q.
A $ B means P is neither greater than nor smaller
than Q.
A + B means P is neither smaller than nor equal to
Q.
A % B means P is neither greater than nor equal to
Q.
86.
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Statements: S + V, V @ N, N $ C
Conclusions:
I. C + V
II. S + N
III. C + S
A.Only II follows
B.Only I and III follow
C.Only I follows
D.Only III follows
E.None of these
87.
Statements: U # Y, Y + B, B @ F
Conclusions:
I. F % Y
II. F $ Y
III. U + F
A.None follows
B.Only I follows
C.Only II follows
D.Only III follows
E.Only II & III follow
88.
Statements: G @ E, E $ D, D + H
Conclusions:
I. D # G
II. G + H
III. D + G
A.Only II follows
B.Only I and II follow
C.Only III follows
D.Only II and III follow
E.None of these
89.
Statements: T $ P, P @ Q, Q # H
Conclusions:
I. T + Q
II. H % P
III. H + T
A.None follows
B.Only I follows
C.Only II follows
D.Only III follows
E.Only II & III follow
90.
Statements: R @ Z, Z + K, K $ G
Conclusions:
I. G $ R
II. K # G
III. R + K
A.None follows
B.Only I follow
C.Only II follow
D.Only III follow
E.Only II & III follows
Directions (91-95): In each of the following questions
some statements are given and these statements are
followed by two conclusions numbered (I) and (II).
You have to take the given some statements to be
true even if they seem to be at variance from
commonly known facts. Read the conclusions and
then decide which of the given conclusions logically
follows from the two given statements, disregarding
commonly known facts.
Given Answer:
a) If only I conclusion follows
b) If only II conclusion follows
c) If either I or II follows
d) If neither I nor II follows and
e) If both I and II follows
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91.
Statements:
All Wires are switches.
Some switches are gems.
Some gems are boxes.
Conclusions:
I.Some boxes are switches is a possibility
II. Some gems are Wires.
A.a
B.b
C.c
D.d
E.e
92.
Statements:
Some locks are keys.
Some keys are weeks.
All weeks are Garden.
Conclusions:
I.Some gardens are locks.
II.No garden is a lock.
A.a
B.b
C.c
D.d
E.e
93.
Statements:
Some clothes are papers.
All papers are pins.
Some pins are pens.
Conclusions:
I.Some pens are clothes.
II.Some pens are papers
A.a
B.b
C.c
D.d
E.e
94.
Statements:
Some Cats are pets.
Some pets are cute.
Some cute are sweet.
Conclusions:
I.All sweet are cats is a possibility
II.Some pets are not sweets is a possibility
A.a
B.b
C.c
D.d
E.e
95.
Statements:
All bikes are cars.
No car is van.
Some vans are buses.
Conclusions:
I.Some bikes are van.
II.Some buses are not car.
A.a
B.b
C.c
D.d
E.e
Directions (96-100): Read the following information
to answer the given questions.
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Udaya, Abbas, Vinoth, Mukesh, Rahul, Vasu,
Murugan and Wasim are seated in a straight line but
not necessarily in the same order. Some of them are
facing South while some are facing North. Rahul
faces South. Only three people sit to the left of
Rahul. Only two people sit between Rahul and
Abbas. Vasu sits third to the right of Wasim. Wasim
is neither an immediate neighbour of Rahul nor
Abbas. Wasim does not sit at any of the extreme
ends of the line. Both the immediate neighbours of
Mukesh face North. Mukesh is not an immediate
neighbour of Wasim. Only one person sit between
Mukesh and Udaya. Udaya faces same direction as
Wasim. Immediate neighbours of Abbas face
opposite directions (i.e. if one neighbour faces North
then the other South and vice-versa.) Persons sitting
at extreme ends face opposite directions. Vinoth
faces a direction opposite to Mukesh.
96. Which of the following is true about Murugan with
respect to the given arrangement?
A.Only two people sit between Murugan and Abbas.
B.Only one person sits to the right of Murugan.
C.Vinoth sits second to the right of Murugan.
D.Vasu is one of the immediate neighbours of
Murugan.
E.None of the given options is true.
97. How many persons are seated between Rahul
and Udaya?
A.Four
B.More than four
C.One
D.Three
E.Two
98. Four of the following five are alike in a certain
way based on the given arrangement and so form a
group. Which is the one that does not belong to that
group?
A.Vasu
B.Vinoth
C.Udaya
D.Wasim
E.Rahul
99. Which of the following pairs represents persons
seated at the two extreme ends of the line?
A.Vinoth, Rahul
B.Udaya, Murugan
C.Udaya, Vasu
D.Abbas, Vinoth
E.Vinoth, Mukesh
100. Who amongst the following sits to immediate
left of Vinoth?
A.Rahul
B.Udaya
C.Wasim
D.Abbas
E.Mukesh
Answers:
1. Answer: C
the phrase ‘state of amazement’ refers to the word
‘surprise’ hence, it is the correct answer.
2. Answer: B
the phrase ‘with a view to’ means ‘purposely’ whose
meaning is ‘intentionally’.
3. Answer: B
the appropriate word for the phrase is ‘supportive’
i.e., favourable.
4. Answer: C
here, the correct word for the phrase ‘lies in’ is
manifests.
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5. Answer: D
the phrase ‘tip off ‘ resembles conveying advice i.e.,
suggests.
6. Answer: B
the phrase ‘wearing down’ means erosion i.e.,
deterioration.
7. Answer: D
‘inability’ means disabling lack of skill, which is
suitable for the phrase ‘weak point’.
8. Answer: B
‘all set’ means ready and prepared.
9. Answer: B
‘gathering’ means accumulating and collecting, which
is appropriate for the phrase ‘rounding up’.
10. Answer: A
the correct answer for the phrase ‘propped up’ is
‘boosted’ because its meaning is to stimulate or
strengthen.
11. Answer: C
author doesn’t say or can be concluded anywhere in
the passage that analyst will extinct.
12. Answer: D
3 is not given anywhere in the passage.
13. Answer: E
all of the given sentence are correct according to the
passage.
14. Answer: D
there is no mention about the reliability of the
investors in bank’s research.
15. Answer: A
according to the 1 is the most suitable title of the
passage.
16. Answer: A
the correct set of words for the above blank will be
‘astonished-puzzled’ as their meaning is to be
surprised.
17. Answer: D
‘distorted-falsified’ is correct in the blank of the
sentence because its meaning is to deform or
misrepresent.
18. Answer: B
the correct set of words will be ‘refrain-abstain’
because their meaning is to keep or hold something
from doing.
19. Answer: E
in the above blank of the sentence, the correct set of
words will be ‘essential-crucial’ whose meaning is-
important or decisive.
20. Answer: C
The correct set of words will be ‘announcing-
introducing’ whose meaning is to present or making
known.
21. Answer: B
in part a, the preposition ‘at’ is incorrect, it should be
‘on’. In part c, the verb ‘putting’ is wrong in form, it
should be in the first form ‘put’.
22. Answer:C
in part b, the helping verb ‘being’ is wrong as the
sentence is in future tense, it should be ‘be’. In part
c, the pronoun ‘those’ is incorrect here, the correct
will be ‘who’.
23. Answer:E
in part b, the verb ‘exited’ is incorrect, it should be in
the first form i.e., exit. in part d, the pronoun ‘their’ is
used for plural noun, whereas in the sentence , the
noun is singular (president), so it should be ‘his’.
24. Answer: A
in part a, the article ‘a’ is missing in the phrase ‘a
number of’. In part d, the verb should be in first form
i.e., constrict.
25. Answer: A
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in part a, the verb ‘involve’ is wrong here, it should be
‘involves’ as it is referring to one (most= superlative)
of the links, not all the links. In part d, the preposition
‘in’ is incorrect; it should be ‘of’.
26. Answer: B
in part a, the definite article ‘the’ is missing before the
noun ‘Guptas’. In part c, the adjective ‘recent’ is used
incorrectly. It should be ‘recently’.
27. Answer: E
in part b, use of ‘inside’ is wrong, it should be ‘within’.
In part d, ‘disregarding’ should be replaced by
‘disregard’ because after ‘to’ we always use the first
form of the verb.
28. Answer: B
in part a, ‘buttress’ should be replaced by
‘buttressing’. In part c, verb ‘removing’ will be
replaced by noun ‘removal’.
29. Answer: B
in part a, helping verb ‘have’ should be replaced by
‘had’. In part c, the verb ‘upgraded’ is wrong in form,
it should be first form ‘upgrade’.
30. Answer: E
in part b, the pronoun ‘they’ is wrong because it is
used for plural noun. it should be ‘it’. In part d, the
noun ‘inconsistency’ is wrong in use. It should be
adjective ‘inconsistent’.
Numerical Ability
31. Answer: C
4x2 – 9x – 9 = 0
4x2 – 12x + 3x – 9 = 0
Gives x = -3/4, 3
4y2 + 11y + 6 = 0
4y2 + 8y + 3y + 6 = 0
Gives y = -2, -3/4
Put all values on number line and analyze the
relationship
-2…. -3/4….3
32. Answer: E
3x2 – 2x – 21 = 0
3x2 – 9x + 7x – 21 = 0
Gives x = -7/3, 3
6y2 + 17y + 7 = 0
6y2 + 3y + 14y + 7 = 0
Gives y = -7/3, -1/2
33. Answer: B
3x2 – 13x + 14 = 0
3x2 – 6x – 7x + 14 = 0
Gives x = 2, 7/3
3y2 – 20y + 32 = 0
3y2 – 12y – 8y + 32 = 0
Gives y = 8/3, 4
34. Answer: D
3x2 – 2x – 16 = 0
3x2 – + 6x – 8x – 16 = 0
Gives x = -2, 8/3
3y2 – 20y + 32 = 0
3y2 – 12y – 8y + 32 = 0
Gives y = 8/3, 4
35. Answer: E
5x2 – 16x – 16 = 0
5x2 – 20x + 4x – 16 = 0
Gives x = -4/5, 4
3y2 – 14y + 8 = 0
3y2 – 12y – 2y + 8 = 0
Gives y= 2/3, 4
36. Answer: A
Ratio of investments of Meera,
Swapna&Rishwi=(1×6+3×6) : 2×12 :3×12
= (6+18) : 24 : 36
= 24: 24 : 36
=2:2:3
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But given that the annual profit of Swapna is Rs.4500
2 ratio = 4500
Then for the total annual profit of partners is
7 ratio = 4500 x 7/2
= 15,750
37. Answer: A
Money spent by Rajesh = Rs.300000
Money received by Rajesh = 110% of Rs.300000
=110/100 * 300000
=Rs.330000
=96/100*330000
=Rs.316800
Rajesh gains = S.P – C.P
=330000 – 316800
=Rs.13200
38. Answer: B
Let sanja’s present age be x yrs
Then, his age at the time of he got the prize = (x-
4)yrs
Therefore x = 3/2(x-4)
2x = 3(x-4)
2x = 3x -12
3x – 2x =12
X = 12
Sanjai’s brother age at the time of he got the gold
medal
=((x-4) – 5) yrs
=((12 – 4) – 5)
=(12-9)
3 yrs
Sanjai’s brother present age = (x+4) yrs
=3+4
=7 yrs
39. Answer: A
Total age of 5 members, 5 yrs ago = (30*5)
=150yrs
Total age of 5 members now = (150 + (5*5))
=150+25 = 175 yrs
Total age of 7 members now = (30*7) = 210 yrs
Sum of the ages of 2 children = (210 – 175) yrs
=35 yrs
Let the age of the younger child be x yrs.
Then age of the elder child = (x+3) yrs
So x=x+3 = 35
2x +3 = 35
2x = 32
X=16
Age of younger child is 16 yrs
40. Answer: B
Daniel and Sherin will contradict each other when
one speaks truth and other speaks lies.
Probability of Daniel speak truth and Sherin lies
=2/5*3/7
=6/35
Probability of Sherin speak truth and Daniel lies
=4/7*3/5
=12/35
The two probabilities are mutually exclusive.
Hence, probabilities that Daniel and Sherin contradict
each other:
=6/35 +12/35
=18/35
=18/35*100
=51.4%
41. Answer: B
The number of red tiles = 26
Green tails = (1/3)*24 = 8
Remaining tiles = 16
Yellow tiles =16
42. Answer: B
Originally, let the number of male and female in a
committee be 5x and 6x respectively.
Their increased number is (112% of 5x) and
(110% of 6x).
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(112/100*5) and (110/100*6)
=560:660
=56:66
=28:33
So, the required ratio = 28:33
43. Answer: B
Difference = Rs.(416 – 400)
=Rs.16
SI for one year = Rs.(400/2)
=Rs.200
SI on Rs.200 for 1 year = Rs.16
R=100*SI / P*T
=100*16 / 200*1
R=8%
Hence the difference in CI and SI for 3rd year = SI on
Rs.416
=416*8*1/100
=3328/100
=Rs.33.28
Total difference = Rs.(16+33.28)
=Rs.49.28
44. Answer: D
Interest for the first sum
= 12000×18×1 /100
=2160
Interest for the second sum
=9750×13.5×1 /100
= 1316.25
Total interest=2160+1316.25=3476.25
Total sum=12000+9750=21750
Required percentage=3476.25×100 / 21750
= 15.98%
45. Answer: D
18.05 x 8.99 - 52.02 = ?
18 x9 - 52 = ? 1
162 -52 = ?
? = 110
46. Answer: B
149.96 x 3.02 - 114.57 x 1.93 = ?
150 x3 -115 x 2 = ?
450 - 230 = ?
? = 220
47. Answer: D
45.04 ÷ 4.97 = ? ÷ 12.99
45 /5 = ?/13
9 x 13 = ?
? = 117
48. Answer: E
135.594 ÷ 7.62 x 2.93 = 75.01% of ?
(136/8) x 3 = (75/100) × ?
17 x 3 = (3/4) x ?
? = 68
49. Answer: D
75.05% of (289.96 + 142.01) = ?2
75/100 x (290 + 142 ) = ?2
3/4 x432 = ?2
3 x 108 = ?2
324 = ?2
? = √324
? =18
50. Answer: B
7872 + 6997 + 3420 = ?
⇒ ? = 18289
51. Answer: B
682.69 + 832.87 = 10009 – ?
⇒ ? = 10009 – 682.69 – 832.87 = 8493.44
52. Answer: E
47.5 × 97.5 × 2 = ?
⇒ ? = 9262.5
53. Answer: A
7 1/2 of 220 + 308.65 + ? = 80995
⇒15/2× 220 + 308.65 + ? = 80995
⇒ 1650 + 308.65 + ? = 80995
⇒ ? = 80995 – 1958.65
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= 79036.35
54. Answer: A
625.97 × 7.5 + 299.87 = ? – 4632.64
⇒ 4694.775 + 299.87 + 4632.64 = ?
⇒ ? = 9627.285
55. Answer: A
/7, /6, /5, /4, /3, /2, /1
56. Answer: C
*2 + 3, *4 +5, *5 +6, *6 +7..
57. Answer: B
142 – 1 = 195,
132 – 2 = 167,
122 – 3 = 141,
112 – 4 = 117,
102 – 5 = 95,
92 – 6 = 75,
82 – 7 = 57.
(or)
The differences are, 28,26,24,22,20…
58. Answer: A
Difference of difference: 4, 6, 8, 10…
59. Answer: C
Difference: -45, -40, -35, -30, -25…
60. Answer: C
Number of units manufactured by Company E in
the year 2008 = 16.4
Number of units manufactured by Company E in
the year 2007 = 15.7
% increase = [(16.4-15.7)/15.7] = 4.45%
61. Answer: C
= (16.3+15.6)/2 = 15.95
62. Answer: A
Number of units manufactured by Company A and C
in 2005 = 15.8 + 12.4 = 28.2
Number of units manufactured by Company B and D
in 2005= 16.3 + 14.9 = 31.2
Ratio = 282 : 312
=>47:52
63. Answer: C
Number of units manufactured by Company E in the
year 2006 = 15.4
total number of units manufactured by in all the years
together = 92.1
Percent = {15.4/92.1} *100 = 16.72% = 17%
64. Answer: A
Total number of units manufactured by Company C o
ver all the years = 78.3
Total number of units manufactured by Company E o
ver all the years = 92.1
Ratio = 261:307
65. Answer: C
Total work to be done in units= 120
Animesh 1 day work= 5 units
Mohit 1 day work= 4 units
Three person 1 day work = 10 units
So,
Ronit 1 day work = 10-(4+5)=1 units
Remaining work= 120-(9*12)
= 12
Ronitwil do the remaining work= 12/1
= 12 days
Reasoning Ability
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66. Answer: E
67. Answer: D
68. Answer: C
69. Answer: A
70. Answer: B
Directions (71-75):
Good – so
To – ba
Meet – va
You – ja
Them – ble
Party – zo/fi
The – zo/fi
Invite - ke
71. Answer: B
72. Answer: A
73. Answer: C
74. Answer: A
75. Answer: E
76. Answer: E
From II— Jagat’s income from other sources = Rs.
2000 + 50 = Rs. 2050
From I and III Jagat’s income = Rs. 1550 + 100 = Rs.
1650
∴ Jagat’s total monthly income = Rs. 2050 + 1650 =
Rs. 3700
77. Answer: E
Started time
From I - Computer Science - 8 : 00 a.m.
Economics - 9 : 00 a.m.
From II - Accounts — 11 : 00 a.m.
From III – Commerce – 10 : 00 a.m.
78. Answer: C
Ramya>Dharini
Archana >Bhavani
Now, we have to find that who is taller among Ramya
and Archana.
From II only— Ramya> Archana
Thus, Ramya is the tallest.
79. Answer: C
CKH—We are friends
PKN—They are class-mates I
HMS—We love them II
FC—Hello Friends III
From II only
We - H
80. Answer: D
G+3=J, J+3=M, M+3=P, P+3=S
T-2=R, R-2=P, P-2, N-2=L
Q-3=N, N-3=K, K-3=H, H-3=E
81. Answer: B
R+3=U, U+3= X, X+3= A, A+3= D
T+4=X, X+4=B, B+4= F, F+4= J
D+5= I, I+5=N, N+5=S, S+5=X
82. Answer: B
Jammu and Kashmir Bank Clerk Prelims Model Paper 1
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Total distance = 10 + 15 = 25 km
83. Answer: B
Total distance = 40m
84. Answer: E
On arranging in decreasing weights
A/B> C > D > E > F
Or
B> C/A> D> E> F
85. Answer: B
Only option b) necessary to decide who is heaviest
86. Answer: A
S > V, V ≥ N, N = C
C > V not follows
S > N follows
C > S not follows
87. Answer: B
U ≤ Y, Y > B, B ≥ F
F < Y follows
F = Y not follows
U > F not follows
88. Answer: B
G ≥ E, E = D, D > H
D ≤ G follows
G > H follows
D > G not follows
89. Answer: A
T = P, P ≥ Q, Q ≤ H
T > Q
H < P
H > T
None follows
90. Answer: D
R ≥ Z, Z > K, K = G
G = R not follows
K ≤ G not follows
R > K follows
91. Answer: A
92. Answer: C
Jammu and Kashmir Bank Clerk Prelims Model Paper 1
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93. Answer: D
94. Answer: E
95. Answer: B
96. Answer: E
97. Answer: D
98. Answer: A
99. Answer: B
100. Answer: C