Thursday, August 21, 2014



My Stamps new designs launched

India Post has launched 'My Stamp' at Indipex-2011, World Philatelic Exhibition on 12th February 2011. 17 different sheets were made available during the launch of 'My Stamps' having designs/themes of 12 diff. Sun signs (Aries, Taurus, Gemini, Leo, Virgo, Libra, Scorpio, Sagittarius, Aquarius, Pisces, Cancer and Capricorn) Taj Mahal, Jungle lore (Wildlife: Indian lion, Indian elephant, Tiger, Rhino), Tales of Panchatantra (The lion and the rabit, The monkey and the crocodile, The crow and the snake and The tortoise and the geese, Full steam ahead (Locomotives: WP/1, 1963, WDM2, 1963, GIP No. 1, 1853 and F/1, 1895) and Flying high (Aeroplanes: LCA - Tejas, Dhruv and HT-2).

In the second phase four new designs on Flower theme (Lily, Dahlia, Cineraria and Pansy) were launched on 19th October, 2012.

As per the Directorate OM No. 17-5/2013-Phil, dated 22nd July 2014, 10 new themes of My Stamps have been launched, viz. Red Fort, Qutub Minar, Taj Mahal, Hawa Mahal, Mysore Palace, Fairy Queen, Port Blair Island, Ajanta Caves, St. Francis Church and Greetings.

These new themes are based on local tourist attraction places. Therefor the distribution of the same has been prepared in view of the location of the above places, except Taj Mahal, Fairy Queen and Greetings which are distributed to all postal circles, rest of the themes are circulated only to the concerned circle headquarters. However My Stamp Counters and philatelic bureaux of the circles other than the philatelic bureau situated at circle headquarter can place their demand of My Stamp sheetlets to the philatelic bureau situated at circle headquarters.

Wednesday, August 20, 2014

A Short History of Postal Banking - USPS

As the debate over re-instituting postal banking heats up, we should know we had it. And it worked.

Last week John Oliver offered up an expose on payday loans, describing them as “the circle of debt” that “screws us all.” And at the conclusion of Oliver’s take down on payday lending Sarah Silverman offered low-income borrowers better alternatives—including donating blood and jumping in front of rich folks’ cars. But there is a burgeoning alternative to usurious payday lending: postal banking, which allows low-income Americans to do their banking—from bill payment to small loans—at the same post office where they buy stamps. As states try to regulate away the payday-lending sector, their desperate customers may be pushed either into the black market or bankruptcy. Postal banking is a much better solution. It is time to consider a “public option” for small loans.
Every other developed country in the world has postal banking, and we actually did too. It is important to remember this forgotten history as we begin to talk seriously about reviving postal banking because the system worked and it worked well. Postal banking, which existed in the United States from 1911 to 1966, was in fact so central to our banking system that it was almost the alternative to federal deposit insurance, and served as such from 1911 until 1933. The system prevented many bank runs during a turbulent time in the nation’s banking history—essentially performing central banking functions before the Federal Reserve was up to the task. Postal banking helped fund two world wars and reduced a massive government deficit after the Great Depression.
Postal banks started in Great Britain in 1861 and, from the outset, the primary goal was financial inclusion. But in the U.S., postal banking had other uses as well: In 1871, President Ulysses S. Grant’s postmaster general, John Creswell, proposed post office savings banks to pay for a new telegraph system. President Grant himself endorsed the postal banks as a way to free up hoarded money in far-flung regions of the country. But the nation’s bankers opposed it. They objected to the notion that all the deposits would go directly to the Treasury. Everyone feared centralized bank power, and localism in banking was as sacred as the Constitution at the time. The American Bankers Association objected to the competition with the federal government.  Ideological opponents called it communist, socialist, and paternalistic. While they claimed that the private markets and savings banks were sufficient,  in fact 98 percent of all savings banks were in the five northeastern states, leaving the South and the West virtually unbanked.
Once the idea was first proposed, nine postmasters and almost every president, except Grover Cleveland pushed the issue for 40 years. Almost 100 bills died in Congress before anything happened.
After the panic of 1907 (A panic that started on Wall Street and led to bank runs across the country) momentum finally shifted. In the 1908 presidential election, banking reform became a major issue with William Taft actually campaigning on postal banking as a way to stabilize the banking sector and help credit-starved regions like the South and the West. Taft won and his administration initiated postal banking.
By 1934, postal banks 
had $1.2 billion
in assets as small savers 
fled failing banks.
Taft’s clear support of postal banking and his electoral mandate still weren’t enough to overcome bank and Democratic opposition. The Postal Savings Bank Bill, as passed, finally acquiesced to both localism and private bankers by mandating that almost all of the postal deposits stay in the community of origin. The debate at the time over whether postal banks were needed is illuminating today. Opponents claimed that anyone with money to save was already saving it. The Boston Globe opined, “It is easy enough for anybody to find a savings bank; the trouble is to find the savings to put in it.” Others urged that the reason rural dwellers were not saving in banks was because of the “ignorance of the common people,” or because “the inhabitants of remote rural districts are not so well posted in the world’s wicked ways as those who have the opportunity of perusing the daily papers.” In other words, some people are just too dumb and too poor to bank. Today we hear similar claims that the problem with the poor and unbanked is that they “lack financial literacy” or that they just don’t have enough money to open a bank account. The truth is that they are plenty literate, but they either don’t trust banks or the banks left their neighborhood years ago, leaving only payday lenders.
The bill eventually passed in 1910 and created what was called the United States Postal Savings System.* The interest on accounts was set by statute to a low 2.5 percent to avoid luring customers away from banks. The postmasters and supporting congressmen also called the postal banks “the poor man’s banks” to set bankers at ease. Accounts were capped at $100 deposits allowed per month and a total savings cap of $500—the limit was raised to $2,500 dollars in 1918.
By 1913 (just two years later) the banks had received $32 million—most of which came from “stocking banks,” as reported by the New York Times in 1913. The Times reported with frustration that many larger deposits were turned away and that the current deposits likely represented a fraction of those available. Princeton University historian Sheldon Garon claims that it was these caps and concessions that ultimately doomed the postal banking system in the United States. And ultimately, it was not southerners and westerners that most needed the banks as had been expected (although they eventually came around). It was the raft of recent immigrants in urban areas who immediately took to these banks. The reason (from congressional testimony in 1913): “Hundreds of thousands of our newly made citizens distrust banks and will not patronize them. They have absolute confidence in the Government and know what postal savings banks are.” The post office offered information to customers in 24 languages and would pass out leaflets right outside the ports of entry into the U.S. Consequently, the busiest postal banks were those right near the ports. By 1915, immigrants owned more than 70 percent of the postal bank’s deposits even though they were less than 15 percent of the population. There were accounts of deposits coming in stockings and cans with the paper money rotting and the coins rusted.
By 1934, postal banks had $1.2 billion in assets—about 10 percent of the entire commercial banking system—as small savers fled failing banks to the safety of a government-backed institution. And this trend might have continued if President Franklin Delano Roosevelt didn’t have broader banking reform in mind. But Roosevelt chose the FDIC over postal banking as a way of stabilizing things. Paradoxically, the same Roosevelt who forged an unprecedented expansion of the federal government during the New Deal would choose a bank-funded insurance scheme as opposed to a public banking system.
But even this was not the end for postal banking. FDR used the postal banks to sell Treasury bonds in 1935 to pay off the budget deficit after the Great Depression. In 1941, the postal banks started selling “Defense Savings Stamps” to help fund the war. The campaign was a phenomenal success. By the end of World War II, the government had raised $8 billion in war funding from the post office alone.
Deposits also reached their peak in 1947 with almost $3.4 billion and 4 million users banking at their post offices. In part this was because in 1940, the post office introduced the world to banking by mail, which appealed to soldiers stationed abroad.
But it was the beginning of the end. In 1946, 68 percent of the nation’s towns and cities had both postal savings depositories and banks. And because banks could charge higher interest than the post office and were just as safe, the USPS was no longer an attractive option for deposits. This is no longer true today as banks have been squeezed on all sides by money markets, capital markets, and foreign banks. Banks began to abandon poor areas and post offices remained, but without banking services. And once banks deserted low-income neighborhoods starting in the 1970s, the high-cost payday lenders and check-cashers flooded in.
In 1965 the postmaster generals started to endorse ending postal banking. In 1966 it was officially abolished as part of Lyndon Johnson’s streamlining of the federal government. The postal banking system died a quiet death without public discussion. The public and press failed to note the centrality of postal banking in one of the most turbulent periods of banking in our country. Postal banking was America’s most successful experiment in financial inclusion—a problem we face again today. As we contemplate whether it has a place in our future we must recall the vital role it played in our past.
(This article collected from other web pages....)

Tuesday, August 19, 2014

CHALO ONGOLE: 24-08-2014





Bank : Women Employees may soon get transfers of their choice

NEW DELHI: Female employees of public sector banks will soon be entitled to a major benefit of getting transfers of their choice.

The Finance Ministry has asked the banks to formulate women-friendly transfer policies so that they can get transfers at places where their husbands are working or parents are living.

The Department of Financial Services, sources said, has asked Public Sector Banks (PSBs) to formulate transfer and posting polices in such way so as to minimise "hardship" of women employees.

" has been decided to accommodate as far as possible placement/transfer of married employees, on her request, at a place where her husband is stationed or as near as possible to that place or vice versa," said a communication of the Department to head to PSBs.

In case of unmarried female employees, the banks have been asked to accommodate them "at a place where their parents" are stationed or as near as possible.

While giving directions to PSBs, the Department said it has come to its notice that female employees, both married and unmarried, "when place/ transfered away from their husband or distant locations face a genuine hardship or develop a feeling of insecurity".

There are 27 PSBs, including the latest Bharatiya Mahila Bank. Of the nearly 8 lakh employees in PSBs, about 2.5 lakh are females. The PSBs have been asked to frame the policy in this regard with the approval of their Board and "take immediate action for implementation and compliance".

Also, they have been asked to consider pending requests under the new guidelines.

Source: Economic Times

Children Education Allowance for Central Government Employees - Annual Ceiling and Details of Admissible Institutions

Children Education Allowance for Central Government Employees - Annual Ceiling and Details of Admissible Institutions

While answering to a question in Parliament on 18.7.2014, Finance Minister Shri Arun Jaitley said in a written form regarding the details of Children Education Allowance that it has been informed by the Department of Personnel and Training that the annual ceiling limit for reimbursement of Children Education Allowance (CEA) is 18,000/- per child. The Hostel Subsidy shall be 4,500/- per month per child. 

The annual ceiling for reimbursement of CEA for disabled children of Government employees is36,000/- per annum per child and the rates of Hostel Subsidy for disabled children of Government employees is 9,000/- per child per month. 

These revisions are applicable with effect from 1st January, 2014. 

The reimbursement is admissible for the children studying in institutions affiliated to any Board or recognised institution, whether in receipt of Government aid or not, recognised by the Central or State Government or Union Territory Administration or by University or a recognised educational authority having jurisdiction over the area where the institution is situated.

Source: CG Staff News

Central Government Employees need to improve punctuality

Cabinet Secretary Ajit Seth has asked Secretaries of all central departments to intensify the crackdown on government employees who are found to be “habitually late” in reaching office. Seth, in his July 31 missive, has specifically cited concerns expressed by Prime Minister Narendra Modi in this regard.

Stating that the onus lies on the Secretaries to make the staff more work-oriented, the letter says that Modi has taken cognizance of some official reports which say that there has been no visible improvement in the ambience of the workplaces while “some officials have been habitually coming late” to work.

“In some departments, the ministers have noticed the laxity in this regard. The PM has expressed concern over these reports,” says the letter.

The government is waiting for the success of its drive to make its employees punctual, which can happen on “continued perseverance by every employee,” it says. Cautioning the Secretaries against any “slippages” in this regard, Seth has asked them to review the situation on a sustained basis.

At a meeting with the Secretaries in June also, Seth had emphasised the need to ensure punctuality and attendance.

Two Secretary level officers told The Indian Express that a Joint Secretary level officer has been informally deputed in each ministry to keep a check on attendance. Though the letter does not spell out the punitive action in case of continued poor attendance, it is learnt that the defaulters may have to take compulsory leave.
source:  []

Employment News: 16 August to 22 August 2014

1. Kendriya Vidyalaya Sangathan (HQ), New Delhi
Name of Posts – Principal, Technical Officer, Assistant, UDC, LDC etc.
No. Of Vacancies- 669
Last Date- 15.09.2014

2. Agricultural Scientists Recruitment Board, New Delhi
Name of Posts – Assistants
No. Of Vacancies- 268
Last Date- 15.09.2014

3. Vikram Sarabhai Space Centre, Thiruvananthapuram
Name of Posts – Technical Assistant, Scientific Assistant, Library Assistantetc.
No. Of Vacancies- 37
Last Date- 03.09.2014

4. PGDAV College, New Delhi
Name of Posts – Administrative Officer, Librarian, Section Officer (Account) , Assistant etc.
No. Of Vacancies- 15
Last Date- 21 days from the date of Publication

5. Rural Electrification Corporation Limited, New Delhi
Name of Posts –Engineer, Manager, Assistant and Rajbhasha Officer
No. Of Vacancies- 17

Last Date- 15.09.2014

Monday, August 18, 2014

Quote of the Day August 18

Have a heart that never hardens, and a temper that never tires, and a touch that never hurts. - Charles Dickens

Confederation declares Nationwide Agitational Programme – Demands including DA Merger and Interim Relief Confederation declares Nationwide Agitational Programme – Demands including DA Merger and Interim Relief Confederation publishes an organized series of agitational programme on its portal toady including the burning issues DA Merger and Interim Relief. CONFEDERATION OF CENTRAL GOVT. EMPLOYEES & WORKERS 1st Floor, North Avenue PO Building, New Delhi – 110001 Website: WWW. Email: Ref: CIRCULAR No.18 Dated - 17.08.2014 To All CHQ Officers Bearers All Affiliated Organizations All State C-O-Cs CONFEDERATION DECLARES NATIONWIDE AGITATIONAL PROGRAMMES Dear Comrades, The National Sectt. of the Confederaton met at New Delhi on 11.08.2014 to consider the follow up action required in the matter of some of the pressing issues on which Confederation had organized series of agitational programmes prior to the commencement of the Election process of the 16th Lok Sabha. The CHQ has received reports from various affiliaties to the effect that they have all endorsed the common memorandum, the Confederation had submitted to the 7th CPC. Most of the affiliates have emailed copies of the respective memorandum to the CHQ. Those who have not sent copies are requested to do so without further loss of time. This will enable the Confederation to write to the 7th CPC to provide an opportunity to these organisations to tender oral evidence to explain and elucidate their submissions in the memorandum. The meeting noted that there has been only negative response from the Government on the issues of Interim Relief and merger of DA. We have already sent to you a copy of our letter addressed to the Seretary, Staff Side, JCM National Council, (Com. Shivgopal Mishra) which is yet to be responded. The meeting considered the following issues as important, the pursuance of which must not brook any delay, especially in the background that the 7th CPC has formally written to the Government asking it to indicate the course of action required to be taken on the memorandum of the staff side on Interim Relief and marger of DA. CHARTER OF DEMANDS 1. Merger of DA with pay for all employees with effect from 01.01.2014 including Gramin Dak sewaks and pensioners.2. Grant of Interim Relief to all employees including Gramin Dak Sewaks and Pensioners.3. Inclusion of Gramind Dak sevaks under the purview of 7th Central pay Commission.4. Scrap PFRDA Act and grant of statutory pension to all.5. Date of effect of 7th CPC recommendations should be 01.01.2014.6. Regularisation and revision of wages of casual laboures and contract workers.7. Removal of 5% condition for compassionate appointments.8. Fill up al vacant posts and creation of new posts wherever justified.9. Stop downsizing, outsourcing, contractorisation and privatisation of Government functions.10. Grant Productivity linked Bonus to all without ceiling; compute Bonus as weighted average of PLB for those not covered by PLB agreement.11. Revise OTA and NDA and implement arbitration awards. The meeting also considered the policy perception of the new Government in the light of the administrative price hike in petroleum products, the proposals in the Railway and General Budget, the steep hike in the freight and passenger fares of Railways, the decision to hike FDI in Defence Production, Railway Infrastructure and Insurance sectors, disinvestment of public sector including nationalized banks and have come to the inescapable conclusion that under Narendra Modi dispensation, the neo-liberal policies, as expected, will only be intensified and the promised “Achche Din” is for the Corporate giants of the country. The last session of the Parliament witnessed the determination of the NDA Government in changing the labour laws on the lines of the enactment made by Rajasthan Government of Vasundhara Raje Scindhia by virtue of which in almost 90% of the manufacturing units in India, the employers are permitted to indulge in hire and fire policy, for the existing regulations will be dispensed with. The meeting came to the decision that the confederation must organise serious and prolonged campaign, preferably in unison with the Railway and Defence Federations. We will pursue our consultation with those Federations to reach a common approach in the matter. Since it might take some more time, the meeting decided to pursue the demands through a demonstrative programme. 11th September 2014 – Submission of the Charter of Demands along with a brief Note to all heads of offices by arranging demonstration in front of all offices; the branch level/district/divisional/state level leaders will explain the demands especially the memorandums on interim relief, DA merger and GDS issues. 19th September 2014 – Dharna between 10 AM to 3 PM at all important state/districts/divisional centres. 25th September 2014 – Dharna between 10 AM to 3 PM at New Delhi with participation of the leaders of all affiliates and the members working in the city of Delhi (at a central place-to be decided by the Confederation Delhi State committee). Confederation office Bearers will meet again at Delhi on 26.09.2014, 5 PM to decide further course of action. Confederation will bring out pamphlets and bulletins to explain various issues like minimum wage, DA, Bonus, GDS problems etc. shortly as part of an education campaign. The detailed campaign programe to be undertaken after Diwali festival will be intimated later. Comradely yours, (M. Krishnan) Secretary General Source:

Why do we join Union?

Smt. Nandita Mohanty
Chairperson, Women Sub-Committee
AIPEU, Gr-C, Bhubaneswar Division 

          With the evolution of society and growth in social needs there is a sharp development in industrialization. It involves use of modern technology and employment of large number of workers. As large number of people are involved,  it becomes necessary to safe guard the interest of the workers. They need to be organized to fulfil their demands in respect of salary, welfare and social security. There comes the concept of `Union’. 

          So, union is the long-term association of workers to advance and protect the interest of members of the union in the working relationship. According to Flippo “A labor union or a trade union is an organization of workers formed to protect, promote and improve through collective action, the social, economic and political interest of its members.” 

          Whenever any employee joins a union, he has some expectations in his mind. He may join the union for the following reasons:- 

·          Economic benefits: When any employee joins an organization the main interest is the salary or wage. As the social status of a person is defined by the economic standard he carries, more emphasis is given to the economic benefits. But any single individual has very little bargaining capacity as compared to the huge power of the management. He thinks, if he joins the union, union will fight for the economic interest of the employee as the union has great bargaining capacity to get its demands accepted by the management.  But the union has also its own limitations. It can bargain on the genuine ground according to the prevailing rules. It can demand for the economic up-gradation when the organization is economically sound. For that the employees have to give their hundred percent so that union can demand enhancement of monetary benefits. Because no organization will give any economic benefit unless and until it is economically sound. At that time expectation of economic advancement is baseless. 

·          Platform for self-expression: At the primitive days of industrialization, lives of the workers were like slaves without any voice against the tyranny of the management. They used to live at the mercy of the management. They couldn’t raise their voice against un-hygienic working conditions, hard work, low wage, long and inconvenient hours of working etc. Self-expression and individuality were totally prohibited. But the desire for self-expression is a fundamental drive which can’t be ignored. By joining the union the employees get a platform for self-expression. The union provides the mechanism through which employees can make their voice heard by the top management. Union serves as the communicating device between the employees and the management.  Sometimes due to low perspective and narrow-mindedness, some can’t understand the long-term views taken by the organization in the context of overall growth of the organization and employees. Anything which does not result in immediate reward becomes unattractive to them. This attitude results in the difference in views and conflict in union. One thing we should keep in mind that union is by the employees, for the employees and of the employees. So to be in union, one should go beyond oneself. 

·          Check-bar on arbitrary action of the management: The employees join the union to fight against the arbitrary action of the management. It works like a brake to the monopoly of the management. Employees expect a just and fare dealing from the management on the basis of the prevailing rules and regulations. Union  serves a checkmate when management goes beyond the prevailing rules and take action against the employees which is irrational, unlawful or  discriminatory. Thus union safe- guards the interest of the employees. 

·          Security :  The employees join union because they think that at the time of need the union will stand by them. They can get the protection from hazards and economic insecurities at the time of illness, accidents, unemployment etc. For example, trade union ensures compensation to the injured workers under the Workman’s Compensation Act 1923, secures the retirement benefits under Gratuity Act 1972 and PF Act 1952, employees’ health, social security, payment of wage, bonus, insurance, maternity benefit etc. and other welfare measures by compelling the management to abide by these. With the union, employees feel safe and secure both mentally and physically. 

·          Employee-employer relationship:  The employee may not have easy access to the top management. But union is the proper machinery which maintains a sound communication between the employer and the employee. Employees feel attached to the organization by this. If the relation between the employer and employees is good then industrial disputes, conflicts, strikes and lock-outs can be avoided. 

·          Sense of participation: Sense of participation is also a fundamental desire among the employees. They expect that their voice should be heard in making decisions in the organization. This is known as the Workman’s Participation. Being in the union, they can make their voice heard by the management in matters affecting them and can also influence to take a correct decision. 

·          Sense of belongingness: When any employee joins an organization the sense of belongingness is developed inside him. He tries to feel that he is the integral part of the organization. For that he may join the union. Because his co-workers are with the union. He may have the feeling that if he will not join the union he will be odd man out and can’t get any assistance at the time of need. On the contrary, when he is in the union he feels that he is attached with the organization and experiences a feel-good factor. He begins to think that he has some importance in the organization and among the co-workers. 

·          Background factor: Some who are born and brought up in the industrial area or in the organizational background where the society members and members of the family are attached with the union, join the union as a nature of practice. Here the past history works. As a result,  they think it obvious and natural enough to join the union. 

Though it is the mere truth that union is for the safe-guard of the employees, we can’t use it as the weapon against the management. If management strives for the long term benefit of the organization which may sound unreal on the today’s back ground,  then union also has to think in that angle for the mutual benefit. We should aspire for the long term benefits because our next generation may get the fruit out of it. We have to make the union strong for the bright future.
Action against “habitually late” employees to be intensified

Cabinet Secretary Ajit Seth has asked Secretaries of all central departments to intensify the crackdown on government employees who are found to be “habitually late” in reaching office. Seth, in his July 31 missive, has specifically cited concerns expressed by Prime Minister Narendra Modi in this regard.Stating that the onus lies on the Secretaries to make the staff more work-oriented, the letter says that Modi has taken cognizance of some official reports which say that there has been no visible improvement in the ambience of the workplaces while “some officials have been habitually coming late” to work.“In some departments, the ministers have noticed the laxity in this regard. The PM has expressed concern over these reports,” says the letter.The government is waiting for the success of its drive to make its employees punctual, which can happen on “continued perseverance by every employee,” it says. Cautioning the Secretaries against any “slippages” in this regard, Seth has asked them to review the situation on a sustained basis.At a meeting with the Secretaries in June also, Seth had emphasised the need to ensure punctuality and attendance.Two Secretary level officers told The Indian Express that a Joint Secretary level officer has been informally deputed in each ministry to keep a check on attendance. Though the letter does not spell out the punitive action in case of continued poor attendance, it is learnt that the defaulters may have to take compulsory leave.source-


Instructions to Candidates

1. Answer All the Questions

2. Each question Carries “1” Mark

3. Round off the appropriate choice in OMR sheet

PART-A (General knowledge+ Reasoning and Analytical Ability)

1. The world’s first woman Prime Minister was

1 Smt Indira Gandhi                                   2.Smt Benazir butto

3 SmtSirimavoBandarnaike                        4. Sarojini Naidu

2. Maximum harm to a tree is caused by

1 Lost of half of its leaves                           2. Lost of all its leaves

3 Lost of half of its branches                       3. Lost of its bark

3. Which is the largest tiger reserve in India

1. Nagarjuna                  2.Manas           3. Pench               4. Corbett

4. Booker Prize is given in the field of

1. Medicine           2. Adventure              3. Fiction Writing         4. Science

5. In which state a person elected to the Legistrative Assembly for normal period of 6 years

1. Sikkim              2. Mizoram                3. Arunachal Pradesh     4 Jammu & Kashmir

6. A Person climbing the Hill bends forward in order to

1. to avoid slipping               increase Speed

3. to reduce fatigue                        3. To increase stability

7. Which one of the following is not a constitutional body?

1. Election Commission                2. Finance Commission

3. Central Vigilance                     4. Central Administrative Tribunal

8. World Postal day celebrated on

1. Sept -9          2. Oct-9               3.Nov-9      4. Dec-9

9.Mutual funds are regulated in India by which among the following?

1. RBI             2. SEBI             3.Stock exchanges        4. RBI and SEBI both

10. Highest Runs scorer in One day International cricket is

1. Sehwag             2. Sachin       3.Jayasurya       4.Dhoni

11. Find the wrong number in the series 7,28,63,124,215,342,511

1. 7                 2. 28                  3.124              4. 215

12. Arrange the following in the meaningful order

1. Paper 2. Library 3. Author 4. Book 5. Pen

1. 2,4,3,5,1          2 . 3,2,1,5,4       3 . 3,5,1,4,2       4. 5,1,3,4,2

13. If 1 is coded as S, 5 is coded as %, 6 is coded as «, 3 is coded as +, 7 is coded as # and 4 is coded as? What will be the correct form of the number 435671?

1. ? + % « # S            2.?+ % S # «           3.?+ « % # S          4.S # « % +?

14. Choose the word from the given alternatives that belongs to the same group

potato: Carrot :: Raddish : ?

1. Tomato 2. Cabage 3. Seasame 4. Groundnut

15.P is taller than Q, Q is taller than R and S is taller than P, who is the tallest among them

1. R         2. Q            3.S        4.P

16. In the follwoing, the group of letters should not contain more than two vowels. which of the groups conforms to this Rule

1. JKAPIXU               2. BDEJOLY           3. PRAQEOS               4. ZIERAM

17. Harsha position in a row is thirteenth from the front side and sixth from the backside. How many persons are standing in the row

1.17               2. 18            3.19            4.20

18. In a certain code language MEDAK is coded as 69281 and TOOPRAN as 3557084. How is PAPANNAPET written in this code

1. 7979551234         2. 7878448793              3. 5656886593              4.8585228793

19. Cow is related “Calf” in the same way as Horse is related

1. Race           2. Stable           3. Ride              4. Cort

20. If the animals which can walk are called swimmers, animals who crawl are called flying, those living in water are called snakes, and those which fly in the sky are called hunters, then what will a lizard be called Ans: 3

1. Swimmers      2. Snakes              3. Flying           4.hunters

21. Pointing out to a lady a girl said “She is the daughter-in-law of the grandmother of my Fathers only son”. How is the lady related to the girl

1. Sister-in-Law           2. Mother          3.Aunt           4. Mother-in-Law

22. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group?

1. Radish              2.Carrot         3.Garlic              4. Gourd

23. If a man is called as girl, girl is called as woman, woman is called as boy, boy is called as butler and butler is called as rogue, who will serve in a restaurant

1. Butler              2. Girl            3.Woman              4. Rogue

24. Vishnu walked 10 m. towards the East, turned right and walked another 15 m. Then he turns leftand walks 3 m. He finally takes a left turn and walked 6 m. Which direction is he facing now?

1.East              2.North            3.West                      4. South

25. Which letter in the alphabet is as far from C as Q is from X

1.K            2. J              3. L            4. P


26- 28. What should come in place of the question mark (?) in the following questions?

26. 1595 ÷ 25 x 36.5 = ?

1.2459            2.2329            3.2359         4.2429

27. 99.99 + 666.66 =?

1. 728.59               2.766       3.766.65      4.676.95

28. 45 × 390 ÷ 26 =?

1. 645                     2.675      3.765           4. 745

29.The Sum of the square of two numbers is 80 and the square of their difference is 36. The product of two numbers is

1.22               2. 44        3.20                     4.40

30. If 1 / 3.718 = 0.2689 then the value of 1 / 0.0003718 is

1. 2629          2. 2.689              3. 2689        4. 0.2689

31. Five-sixth of a number is 720. What will 45% of that number be?

1. 346.6                 2.388.8          3.392.2                   4.344.4

32. In a box, there are 50 paisa, 25 paisa and 10 paisa coins in the ratio of 3:6:5. If the total value of the amount is Rs 154, find the total number of coins

1. 616                      2.526            3.716                      4.516

33. P, Q and R invested Rs.45, 000/-, Rs. 70, 000/- and Rs. 90,000/- respectively to start a business. At the end of two years, they earned a profit of Rs.1, 64,000/-. What will be Q’s share in theprofit?

1. Rs.56, 000/-            2. Rs.36, 000/-           3.Rs. 72, 000/-              4. Rs.64, 000/-

34 In a college the ratio of the number of Boys to Girls is 8:5. If there are 160 girls, the total number of students in the college is

1.100                          2. 250                   3. 260                     4. 416

35 The price of sugar is increased by 20%. By what % should a family reduce its consumption of sugar so as to maintain the same expenditure on sugar

1. 20/6%                    2. 100/3 %               3. 50/3 %                 4. 80/6%

36 A’s salary is 20% less than B’s Salary. By how much percent is B’s salary more than A’s?

1. 35                 2. 20                3. 25                4. 33

37. A student has to secure 40% marks to pass. He gets 178 marks and fails by 22 marks. The maximum marks are

1.450               2. 500               3. 520               4. 600

38. A horse worth Rs 9000 is sold by A to B at a 10% loss. B sells the horse back to A at 10% gain. The result is

1. A makes no profit or loss                    2. B gains Profit Rs 900

2. A loss by Rs 900                                4. A loses by Rs 800

39. By selling a radio for Rs 1125 a man loses 25%. For how much should he sell it to gain 20%

1. Rs 900                 2. Rs1800           3. Rs 3600                4. Rs 6000

40. . The compound interest on Rs 30000 at 7% per annum for a certain time is Rs 4347. The time is

1. 2 years                 2.3 Years            3.4 Years                   4. 5 years

41. Simple interest on a sum at 4% per annum for 2 years is Rs. 80. The compound interest on the same for the same period is

1. Rs 81.60           2. Rs 160                   3.Rs 1081.60               4. None

42. A and B can do a piece of work in 12 days. B and C in 15 days.C and D in 20 days.A alone can do the work in

1. 24  days             2. 30 days             3. 35  days                 4.40 days

43. The average monthly salary paid to 75 employees in a company is Rs 1420. The average salary of 25 of them is Rs 1350 and that of 30 others is Rs 1425. The average salary of the remaining employees is

1. Rs1350                  2. Rs 1425           3.1500               4.Rs 1420

44. . The average age of 40 students of a class is 15 years. When 10 new students are admitted, the average is increased by 0.2 years. The average of new student is

1. 15.2 yrs                2.16 yrs                 3.16.2yrs               4. 16.4 yrs

45. A boy goes to his school from his house at a speed of 3 km/hr and returns at a speed of 2 km/hr. If he takes 5 hours in going and coming, the distance between his house and school is:

1. 8.5 km                  2.5.5 km               3.6 km                   4.9 km

46. A man is 24 years older than his son. In two years, his age will be twice the age of his son. The present age of the son is

1. 24 years               2.26 years             3.28 years               4. 22 years

47. A train speeds past a pole in 20 seconds and speed is past a platform 100 metres in length in 30 seconds. What is the length of the train?

1. 100 metres         2.150 metres                 3.150 metres      4. 200 meters

48. Sixteen men can complete a work in twelve days. In how many days will twenty-four men complete the same work?

1. 4   days             2.8 days                       3.6 days               4.3 days

49. A housing society has been allotted a square piece of land measuring 2550.25 sq. m. What is the side of the plot?

1. 52.65 m            2.50.5 m                      3.50.65 m            4. 50.15 m

50. 3A shopkeeper charges 20 % over the cost price. He allows his customers 10% off their bill for cash payment. His net gain percentage is

1. 12%                2. 8%                            3. 10%                 4. 15%


51 In the following group of words, only one is wrongly spelt. Find the wrongly spelt word

1. Amateur              2.Embarrass                3. Ignorance               4.Millenium

52. In the following group of words, only one is correctly spelt. Find the correctly spelt word

1. Definitely            2. Bureucracy                3. Consenses            4. Questionaire

Directions: 53-54. Choose the correct one word substitution

53. A person who travels to a sacred place as an act of religious devotions

1 Hermit              2. Pilgrim                      3 Saint                         4 Merchant

54. A house for storing grains

1 Cellar              2. Store                        3.Godown                    4. Granary

Directions: 55-56: Choose the word which is most opposite in meaning to the word for the below.


1. Sinful                 2. Guilty                    3. deadly                        4. Corruption


1. Suspect             2 harm                      3. Reject                         4. Hurt

Directions: 57-58: Choose the word which is most same in meaning to the word for the below.


1. Defective           2. Untrue                  3. Incorrect                     4. Inaccurate


1. Clever               2. Enthusiastic           3 curious                         4. Devote

Directions: 59-60 Fill in the blanks with suitable form of verbs given in the brackets

59. The bell ___ (ring) and the children are all in the class

1. rang                   2 . Ringing                3. is rang                        4. ringed

59. we____(live) in this farm since 1981

1. were living          2. have been living    3. lived                           4. live

61. Arrange the list of nouns in order of their greatness

word, sentences, letter, paragrapgh, phrase

1 letter, word, sentence, phrase, paragraph

2 word, sentence, , letter, phrase, paragraph

3 paragraph,phrase, sentences,word, letter

4 phrase, paragraph, \sentence, word, letter

62. 'The heading' in writing a letter includes?

1) the greeting                            2) the writer's address

3) the address of the person to whom you are writing

4) the writers address and date

63. Choose the appropriate question to get the reply. I am from Delhi.

1) Where you are from?                2) Where are you from?

3) Where do you from?                4) From where do you come?

64. She saw me. The negative form of the sentence is---

1) She don't see me                    2) She is not seen me

3) She doesn't see me                4) She didn't see me

Directions: 65-66 Ccomplete the sentence by choosing the correct answers

65. An Aeroplane

1. Hoops                 2. Zooms                  3. Swings                4. Chugs

66. A whip____

1. cracks                 2. Roars                    3. rings                    4. bangs

Directions: 67-68. Correct the sentences by checking the underlined word

67. I met a student who hate mathematics

1 hating                  2. hated                       3. hates                  4. will hate

68. Abhinay is senior than meghana by 2 yeras

1. senior to           2. senior as                   3. senior than            4. None

69. choose the correct part of speech for the underlined words

Rama was blind   too 

1. Adjective, adverb    2. adjective, verb     3. adverb, adjective    4. verb, Adjective

Directions: 70-71 Fill in the blanks with appropriate articles

70. I saw ____boy and ____ girl riding on ___ ass

1 A. a,a,a                 2. a, the,a         3. a,a,an          4. the,the, the

71. Sri Lanka is ___Island in ___Indian ocean

1. the, the                2. an,a              3. an, the              4. the,a

Directions: 72-75 Read the following passage and answer the questions
Snake charmers present a very colourful picture, but the reality of their own life is quite grim. They wander in many places displaying yheir skills but due to new forms of entertainment, their earnings have gone down. With a little planning, their skill can be used for their better livelihood. They are very skilled in tracking and catching snakes. They can easily obtain snake poison which is used in the preparation of some medicines. They are also aware of medicinal plants which can be used for providing remedies for snake bite. They can be involved in breeding snakes in captivity to obtain their skins. This will help to check the illegal trade in snake skins for which many snakes are killed. This will prevent cruelty to snakes.

72. What are snake charmers skilled in?

1. in killing snakes                          2 in cooking snakes

3. in catching snakes                      4. in eating snakes

73. How do snake charmers earn their living?

1. By displaying their skills              2 by catching snakes

3. by killing snakes                         4. by begging

74. What type of life do snake charmers lead in the present time?

1. They live a happy life                   2. They live a life of sin

3. They live a hard life                      4. They live like snakes

75. How do we obtain snake skins?

1. By killing snakes                        2.By breeding snakes in captivity

3. By arresting snake charmers       4. By feeding the snakes on milk


1-3, 2-2, 3-1, 4- 3, 5-4 , 6-4  , 7-3, 8-2, 9-2,10-1,11-2,12-3, 13-1, 14-4, 15-3,16-4,17-2,18-2,19-4,
57-2,58-3,59-1, 60-3, 61-1,62-4,63-2,64-4,65-2,66-1,67-3,68-1,69-1,70-3,71-3,72-3,73-1,74-3,75-2