BSCB Clerk cheat sheet

Alphabet positions: A=1 … Z=26. Opposite (reverse) letters sum to 27: A↔Z, B↔Y, M↔N.

Coding-decoding: check shift first (constant, increasing, alternating), then reversal, then position-value substitution before assuming a random pattern.

Blood relations: draw a tree; vertical line = parent/child generation, horizontal = spouse or sibling. Never infer gender from a name alone.

Direction sense: N/E/S/W with right turn = +90° clockwise, left turn = −90° counter-clockwise. Net displacement uses Pythagoras on N-S and E-W totals.

Syllogism: 'All A are B' + 'All B are C' ⇒ 'All A are C' (valid). 'Some A are B' + 'All B are C' ⇒ 'Some A are C' (valid). 'Some A are not B' cannot be converted to 'Some B are not A'.

Seating arrangement: for a circle, fix one person and count clockwise/counter-clockwise; for a row, note whether facing north (left = your left) or south (left = your right).

Series: test differences, then ratios, then squares/cubes ± constant, then alternating two-series interleaved.

Ranking: total = (rank from top + rank from bottom) − 1; persons between two ranks = difference of ranks − 1.

Percentage change: increase then decrease of x% and y% gives net = x − y − xy/100 (percent). Equal rise and fall of x% always yields a net loss of x²/100 percent.

Simple interest = P×R×T/100; Compound interest = P[(1+R/100)^T − 1]. For 2 years, CI − SI = P(R/100)².

Profit and loss: profit% is on cost price unless stated; selling price = CP(1 ± p/100). Successive discounts d1, d2 give net factor (1−d1/100)(1−d2/100).

Speed: distance = speed × time. km/h to m/s multiply by 5/18; m/s to km/h multiply by 18/5.

Trains: time to cross a pole = train length/speed; to cross a platform = (train + platform length)/speed; two trains opposite directions add speeds, same direction subtract.

Boats: downstream speed = b + s, upstream = b − s; b = (D + U)/2, s = (D − U)/2.

Averages: new average after adding value v to n items = (n·A + v)/(n+1). Average of first n natural numbers = (n+1)/2.

Time and work: if A does a job in a days and B in b days, together they take ab/(a+b) days. Use LCM of days as total work units.

Ratio and mixture: alligation rule - ratio of quantities = (mean − cheaper) : (dearer − mean).

Subject-verb agreement: 'one of the + plural noun' takes a singular verb; 'each, every, either, neither, everyone' are singular.

Articles: 'a' before consonant sounds, 'an' before vowel sounds (an hour, a university); 'the' for unique or already-specified nouns.

Prepositions of time: in (months, years, seasons), on (days, dates), at (clock times, night, noon).

Tenses: since/for + present perfect (has worked here since 2019); 'had + past participle' for the earlier of two past actions.

Active to passive: object becomes subject, verb becomes be + past participle, agent introduced by 'by'. Only transitive verbs passivise.

Common confusions: affect (verb) vs effect (noun); lie/lay; its (possessive) vs it's (it is); principal (head/main) vs principle (rule).

Cloze and error spotting: read the full sentence for context before choosing; a verb must agree with its actual subject, not the nearest noun.

Para jumbles: find the opener (no pronoun or connector referring back), then follow pronoun and connector chains (this, however, therefore).

RBI was established on 1 April 1935 under the RBI Act, 1934; nationalised in 1949. It is India's central bank and currency issuer.

Monetary policy is set by the six-member Monetary Policy Committee (MPC); the inflation target is 4% CPI with a ±2% tolerance band.

Bank rate, repo rate, reverse repo, CRR and SLR are quantitative tools; CRR and SLR are held with RBI and in approved securities respectively.

Deposit insurance: DICGC insures deposits up to ₹5 lakh per depositor per bank.

NABARD (1982) is the apex development bank for agriculture and rural credit; SIDBI (1990) serves MSMEs; EXIM Bank (1982) handles foreign trade finance.

Priority sector lending target is 40% of adjusted net bank credit for domestic commercial banks; 18% for agriculture.

NPCI operates UPI, IMPS, RuPay, NACH and BHIM; UPI is a real-time mobile payment system run by NPCI.

Basel III norms cover capital adequacy, leverage ratio and liquidity (LCR, NSFR); Basel norms are issued by BCBS.

1 byte = 8 bits; 1 KB = 1024 bytes; 1 MB = 1024 KB; 1 GB = 1024 MB; 1 TB = 1024 GB.

RAM is volatile, ROM is non-volatile; cache is faster than RAM, which is faster than secondary storage.

OSI model has 7 layers (Physical, Data Link, Network, Transport, Session, Presentation, Application); TCP/IP has 4.

IP address identifies a host on a network; DNS resolves domain names to IP addresses; HTTP/HTTPS are application-layer protocols, HTTPS adds TLS.

Shortcuts: Ctrl+C copy, Ctrl+V paste, Ctrl+X cut, Ctrl+Z undo, Ctrl+Y redo, Ctrl+S save, Ctrl+P print, Alt+F4 close window.

MS Excel: a cell reference like B4 means column B, row 4; '$' makes a reference absolute (e.g., $B$4).

Computer generations: 1st vacuum tubes, 2nd transistors, 3rd integrated circuits, 4th microprocessors, 5th AI.

Malware types: virus attaches to files, worm self-replicates across networks, trojan disguises as legitimate software, ransomware encrypts data for payment.

Indian Constitution came into force 26 January 1950; it was adopted 26 November 1949 (Constitution Day).

Fundamental Rights are in Part III (Articles 12–35); Directive Principles in Part IV (Articles 36–51); Fundamental Duties in Article 51A.

The President is head of state, the Prime Minister heads the government; Article 356 covers President's Rule in a state.

National symbols: tiger (animal), peacock (bird), lotus (flower), mango (fruit), Ganga (river), Saka (calendar).

UN was founded in 1945, headquarters New York; its 5 permanent Security Council members are the US, UK, France, Russia and China.

World Bank and IMF were set up at Bretton Woods (1944); IMF handles balance-of-payments support, World Bank handles development lending.

Nobel Prizes are awarded in Physics, Chemistry, Medicine, Literature, Peace and Economics (Economics added 1969, funded by Sveriges Riksbank).

Current affairs: verify appointments, schemes and indices against the exam's cut-off date; names and ranks change frequently, so cite the source date.

Cooperative credit structure: short-term - State Cooperative Bank at state level, DCCB at district, PACS at village; long-term - SCARDB and PCARDB.

Cooperative banks are governed by the Cooperative Societies Act of the state and regulated by RBI under the Banking Regulation (Amendment) Act, 2020.

UCBs (Urban Cooperative Banks) are classified as scheduled/non-scheduled; scheduled status requires meeting RBI's paid-up capital and CRAR conditions.

KYC requires identity and address proof; PAN is mandatory for accounts above specified thresholds and for cash deposits above ₹50,000 in a day.

NEFT settles in batches, RTGS is real-time with a minimum of ₹2 lakh, IMPS is 24×7 instant; UPI is mobile-based and instant.

Cheque types: bearer (payable to holder), order (payable to named payee), crossed (must be deposited in an account), account payee only (no endorsement transfer).

CRR is the share of net demand and time liabilities kept with RBI; SLR is held in cash, gold or approved securities.

Types of deposits: savings, current (no interest, for businesses), fixed (term) and recurring; interest on savings is calculated on daily balances.

Alphabet positions: A=1 … Z=26; opposite letters sum to 27 (A↔Z, B↔Y, M↔N).

Blood relations: draw a tree; vertical line = parent/child generation, horizontal = spouse or sibling.

Direction sense: right turn = +90° clockwise; use Pythagoras on total N-S and E-W displacement.

Syllogism: 'All A are B' + 'All B are C' ⇒ 'All A are C' is valid; 'Some A are not B' does not convert.

Ranking: total = top rank + bottom rank − 1; persons between = difference of ranks − 1.

Series: test differences, then ratios, then squares/cubes, then interleaved alternating series.

Seating: fix one person in a circle; in a row, left of a south-facing person is your right.

Net percentage change for x% up then y% down = x − y − xy/100; equal rise and fall of x% gives a net loss of x²/100 percent.

SI = PRT/100; CI = P[(1+R/100)^T − 1]; for 2 years, CI − SI = P(R/100)².

km/h × 5/18 = m/s; m/s × 18/5 = km/h.

Train crossing a platform: time = (train length + platform length)/speed.

Boats: downstream = b + s, upstream = b − s; b = (D+U)/2, s = (D−U)/2.

Work: A in a days and B in b days together take ab/(a+b) days; use LCM of days as work units.

Alligation: ratio of quantities = (mean − cheaper) : (dearer − mean).

Average of first n natural numbers = (n+1)/2.

'One of the + plural noun' takes a singular verb; each, every, either, neither, everyone are singular.

'An' before vowel sounds (an hour), 'a' before consonant sounds (a university); 'the' for unique nouns.

Time prepositions: in (months, years), on (days, dates), at (clock times, night, noon).

since/for + present perfect; 'had + past participle' for the earlier of two past actions.

Passive: object → subject, verb → be + past participle, agent with 'by'; only transitive verbs passivise.

affect (verb) vs effect (noun); its (possessive) vs it's (it is); principal (main) vs principle (rule).

Para jumbles: opener has no back-referring pronoun or connector; follow pronoun and connector chains.

Error spotting: the verb agrees with the actual subject, not the nearest noun.

RBI established 1 April 1935 under the RBI Act, 1934; nationalised 1949; issues currency.

MPC has six members; inflation target is 4% CPI with ±2% tolerance.

CRR is held with RBI; SLR is held in cash, gold or approved securities.

DICGC insures deposits up to ₹5 lakh per depositor per bank.

NABARD (1982) = agriculture/rural credit apex; SIDBI (1990) = MSMEs; EXIM Bank (1982) = trade finance.

Priority sector lending: 40% of ANBC for domestic commercial banks; 18% for agriculture.

NPCI operates UPI, IMPS, RuPay, NACH and BHIM.

Basel III covers capital adequacy, leverage ratio and liquidity (LCR, NSFR); issued by BCBS.

1 byte = 8 bits; 1 KB = 1024 bytes; 1 MB = 1024 KB; 1 GB = 1024 MB; 1 TB = 1024 GB.

RAM is volatile; ROM is non-volatile; cache is faster than RAM, which is faster than secondary storage.

OSI has 7 layers; TCP/IP has 4.

DNS resolves domain names to IP addresses; HTTPS = HTTP + TLS.

Shortcuts: Ctrl+C copy, Ctrl+V paste, Ctrl+X cut, Ctrl+Z undo, Ctrl+S save, Alt+F4 close.

Excel: B4 = column B, row 4; '$' makes a reference absolute ($B$4).

Generations: 1st vacuum tubes, 2nd transistors, 3rd ICs, 4th microprocessors, 5th AI.

Worm self-replicates across networks; trojan disguises as legitimate software; ransomware encrypts data.

Constitution in force 26 January 1950; adopted 26 November 1949 (Constitution Day).

Fundamental Rights: Part III (Art. 12–35); DPSP: Part IV (Art. 36–51); Fundamental Duties: Art. 51A.

Article 356 covers President's Rule in a state.

National symbols: tiger (animal), peacock (bird), lotus (flower), mango (fruit), Ganga (river).

UN founded 1945, HQ New York; permanent Security Council members: US, UK, France, Russia, China.

IMF (Bretton Woods, 1944) handles BoP support; World Bank handles development lending.

Nobel Economics Prize added 1969, funded by Sveriges Riksbank.

Verify current affairs (appointments, schemes, indices) against the exam's cut-off date.

Short-term cooperative structure: StCB (state) → DCCB (district) → PACS (village); long-term: SCARDB and PCARDB.

Cooperative banks are registered under the state Cooperative Societies Act and regulated by RBI (BR Amendment Act, 2020).

RTGS minimum is ₹2 lakh; NEFT settles in batches; IMPS is 24×7 instant; UPI is mobile-based instant.

KYC needs identity and address proof; PAN is mandatory for cash deposits above ₹50,000 in a day.

Crossed cheque must be deposited in an account; account payee cheque cannot be transferred by endorsement.

CRR = share of NDTL kept with RBI; SLR = held in cash, gold or approved securities.

Current accounts pay no interest and are for businesses; savings interest is calculated on daily balances.

Scheduled status for UCBs requires RBI's paid-up capital and CRAR conditions.