BSCB Clerk flashcards

33 cards. Read the term and the definition here. The deck at the top of this page is optional.

Syllogism conversion rule

'All A are B' converts to 'Some B are A', not to 'All B are A'. 'Some A are B' converts to 'Some B are A'. 'No A is B' converts to 'No B is A'.

Ranking formula

Total persons in a row = rank from top + rank from bottom − 1. Persons between two positions = larger rank − smaller rank − 1.

Direction sense right turn

A right turn rotates the facing direction 90° clockwise; a left turn rotates 90° counter-clockwise. Net displacement is found using Pythagoras on total north-south and east-west distances.

Blood relation tree notation

A vertical line links parent to child across generations; a horizontal line links spouse or sibling. Gender is taken only from words like father, mother, son, daughter, not from names.

Alphabet opposite letters

Letters equidistant from the two ends of the alphabet are opposites and their position values sum to 27: A↔Z, B↔Y, C↔X, M↔N.

Net percentage change

An increase of x% followed by a decrease of y% gives a net change of x − y − xy/100 percent. Equal rise and fall of x% always produces a net loss of x²/100 percent.

CI minus SI two years

For two years at rate R, the difference between compound and simple interest equals P × (R/100)². This lets you find principal when the difference and rate are known.

Speed unit conversion

To convert km/h to m/s multiply by 5/18; to convert m/s to km/h multiply by 18/5. A speed of 36 km/h equals 10 m/s.

Train crossing platform

Time to cross a platform = (train length + platform length) ÷ speed. Time to cross a pole depends only on train length and speed.

Boats upstream downstream

Downstream speed = boat speed + stream speed; upstream = boat speed − stream speed. Boat speed = (downstream + upstream)/2; stream speed = (downstream − upstream)/2.

Work together formula

If A finishes a job in a days and B in b days, together they take ab/(a+b) days. Using the LCM of the days as total work units avoids fractions.

Alligation rule

To mix two items at prices c (cheaper) and d (dearer) to get mean price m, the ratio of their quantities is (m − c) : (d − m).

Subject-verb agreement one of

In 'one of the + plural noun', the verb agrees with 'one' and is singular. Words like each, every, either, neither and everyone also take singular verbs.

since versus for

Use 'since' with a starting point in time (since 2019) and 'for' with a duration (for five years). Both pair with present perfect or present perfect continuous.

Active to passive voice

The object becomes the subject, the verb becomes a form of be plus past participle, and the doer follows 'by'. Only transitive verbs can be made passive.

affect versus effect

'Affect' is usually a verb meaning to influence. 'Effect' is usually a noun meaning a result. 'Effect' as a verb means to bring about.

Time prepositions at on in

Use 'at' for clock times, night and noon; 'on' for days and dates; 'in' for months, years, seasons and longer periods.

Monetary Policy Committee

The MPC has six members and sets India's policy repo rate. Its inflation target is 4% consumer price inflation, with a tolerance band of plus or minus 2%.

CRR versus SLR

CRR is the share of net demand and time liabilities banks keep as cash with RBI. SLR is held by the bank itself in cash, gold or approved securities.

DICGC deposit insurance

The Deposit Insurance and Credit Guarantee Corporation insures bank deposits up to five lakh rupees per depositor per bank, covering principal and interest.

Priority sector lending target

Domestic commercial banks must lend 40% of adjusted net bank credit to priority sectors, of which 18% must go to agriculture.

RBI establishment

The Reserve Bank of India was established on 1 April 1935 under the Reserve Bank of India Act, 1934, and was nationalised in 1949.

Byte and bit

One byte equals eight bits. Storage scales by 1024: 1 KB = 1024 bytes, 1 MB = 1024 KB, 1 GB = 1024 MB, 1 TB = 1024 GB.

DNS function

The Domain Name System translates human-readable domain names into IP addresses so browsers can locate servers on a network.

Worm versus trojan

A worm self-replicates and spreads across networks without a host file. A trojan disguises itself as legitimate software and does not self-replicate.

Absolute cell reference

In spreadsheets, a dollar sign fixes a row or column: $B$4 is absolute, B$4 fixes only the row, and $B4 fixes only the column.

OSI layer count

The OSI reference model has seven layers: Physical, Data Link, Network, Transport, Session, Presentation and Application. TCP/IP uses four layers.

Article 356

Article 356 of the Indian Constitution allows President's Rule in a state when constitutional machinery fails, on the Governor's report or otherwise.

Bretton Woods institutions

The IMF and World Bank were created at the 1944 Bretton Woods conference. The IMF supports balance-of-payments needs; the World Bank funds development.

Fundamental Rights location

Fundamental Rights appear in Part III of the Indian Constitution, Articles 12 to 35. Directive Principles are in Part IV and Fundamental Duties in Article 51A.

Cooperative credit structure

Short-term cooperative credit runs from the State Cooperative Bank at state level to the DCCB at district level and PACS at village level.

RTGS minimum amount

RTGS settles high-value payments in real time, with a minimum transaction of two lakh rupees. NEFT settles in batches and IMPS works instantly around the clock.

Account payee cheque

An account payee cheque is credited only to the named payee's bank account and cannot be transferred to another person by endorsement.