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Central Bank of India ZBO study materials
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Central Bank of India ZBO practice questions

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Question 1General Awareness and Banking Awareness

Under the Reserve Bank of India Act, 1934, the minimum reserve system requires the RBI to maintain gold and foreign securities backing of which total value?

  1. ₹100 crore, of which gold must be at least ₹50 crore
  2. ₹500 crore, of which gold must be at least ₹300 crore
  3. ₹200 crore, of which gold must be at least ₹115 crore Correct answer.
  4. ₹1,000 crore, of which gold must be at least ₹500 crore

Explanation

Section 33 of the RBI Act, as amended in 1957, replaced the proportional reserve system with a minimum reserve system of ₹200 crore, comprising gold valued at not less than ₹115 crore and foreign securities for the remainder. This backing supports note issue by the Issue Department.

Question 2General Awareness and Banking Awareness

Which committee recommended the establishment of the National Bank for Agriculture and Rural Development (NABARD)?

  1. Narasimham Committee
  2. Malegam Committee
  3. Urjit Patel Committee
  4. B. Sivaraman Committee Correct answer.

Explanation

The B. Sivaraman Committee (1979) reviewed institutional credit for rural development and recommended creating an apex institution for agriculture and rural credit, leading to NABARD's establishment in 1982. NABARD took over the agricultural credit functions of the RBI.

Question 3General Awareness and Banking Awareness

In banking terminology, what does the term 'CRAR' denote as a regulatory measure?

  1. Consolidated Revenue and Asset Return
  2. Credit Risk Assessment Report
  3. Capital to Risk-weighted Assets Ratio Correct answer.
  4. Cash Reserve Adjustment Ratio

Explanation

CRAR, also called the Capital Adequacy Ratio, expresses a bank's capital as a percentage of its risk-weighted assets. It measures the cushion available to absorb losses and is prescribed under Basel norms adopted by the RBI.

Question 4General Awareness and Banking Awareness

A customer deposits a cheque drawn on another bank into their savings account. Under the Negotiable Instruments Act, 1881, which type of crossing restricts the cheque to collection through a bank account only?

  1. General crossing with two parallel lines
  2. Special crossing with a bank name
  3. Not negotiable crossing
  4. Restrictive crossing with 'A/c Payee' Correct answer.

Explanation

An 'A/c Payee' crossing is a restrictive crossing that directs the collecting bank to credit the proceeds only to the payee's account. It prevents the instrument from being negotiated further by endorsement to a third party.

Question 5General Awareness and Banking Awareness

Which of the following is the correct order of the four tiers of India's monetary aggregates, from narrowest to broadest?

  1. M3, M2, M1, M4
  2. M1, M3, M2, M4
  3. M0, M1, M3, M2
  4. M1, M2, M3, M4 Correct answer.

Explanation

India's monetary aggregates are ordered M1 (currency with the public plus demand deposits), M2 (M1 plus savings deposits with post office savings banks), M3 (M1 plus time deposits with banks) and M4 (M3 plus total post office deposits). M3 is the broad measure most watched for monetary policy.

Question 6General Awareness and Banking Awareness

The 'Marginal Standing Facility' available to scheduled commercial banks allows them to borrow overnight from the RBI against which condition?

  1. By submitting a fresh application for a term loan of at least one year
  2. By pledging corporate bonds rated AAA only
  3. By pledging government securities in excess of the Statutory Liquidity Ratio, up to a notified limit of net demand and time liabilities Correct answer.
  4. By using the bank's own fixed assets as collateral

Explanation

Under MSF, banks may dip into their SLR securities holdings beyond the prescribed SLR to obtain overnight funds from the RBI at a rate above the repo rate. The facility is capped at a notified percentage of each bank's net demand and time liabilities.

Question 7General Awareness and Banking Awareness

Which institution administers the Deposit Insurance and Credit Guarantee Corporation (DICGC) in India?

  1. Securities and Exchange Board of India
  2. Ministry of Finance
  3. Reserve Bank of India Correct answer.
  4. National Bank for Agriculture and Rural Development

Explanation

DICGC is a wholly owned subsidiary of the RBI and functions under its administrative control. It insures deposits of commercial banks and certain cooperative banks up to the prescribed limit per depositor per bank.

Question 8General Awareness and Banking Awareness

A bank wishes to raise funds by issuing unsecured debt instruments that qualify as part of Additional Tier 1 capital under Basel III. Which instrument is designed for this purpose?

  1. Perpetual non-cumulative preference shares or perpetual debt instruments with loss absorption features Correct answer.
  2. Commercial paper with a maturity of 90 days
  3. Fully secured non-convertible debentures with a fixed maturity
  4. Certificate of deposit issued at a discount

Explanation

Additional Tier 1 capital under Basel III consists of instruments such as perpetual non-cumulative preference shares and perpetual debt with discretionary coupon payments and loss absorption. These features allow the instrument to absorb losses while the bank remains a going concern.

Question 9General Awareness and Banking Awareness

According to the Banking Regulation Act, 1949, what is the maximum permissible shareholding of a single entity in a banking company, subject to RBI approval?

  1. 74 per cent
  2. 5 per cent
  3. 49 per cent
  4. 26 per cent Correct answer.

Explanation

The Banking Regulation Act was amended in 2020 to cap individual shareholding in a banking company at 26 per cent of the paid-up capital, with any higher stake requiring RBI approval. This replaced the earlier 15 per cent ceiling for natural persons and the 74 per cent limit for non-financial entities.

Question 10General Awareness and Banking Awareness

In Indian banking, 'priority sector lending' targets are set by the RBI. Which of the following categories falls under the priority sector for scheduled commercial banks?

  1. Loans against gold jewellery for consumption
  2. Loans to micro, small and medium enterprises Correct answer.
  3. Loans to non-banking financial companies for on-lending to large industry
  4. Loans to large corporate borrowers for plant expansion

Explanation

The RBI's priority sector guidelines include agriculture, micro, small and medium enterprises, export credit, education, housing, renewable energy and weaker sections. Loans to micro, small and medium enterprises are a core priority sector category.

Question 11General Awareness and Banking Awareness

The 'Banking Ombudsman Scheme' in India is operated under the authority of which body, and what is its central objective?

  1. SEBI, to resolve investor complaints in securities markets
  2. RBI, to provide a cost-free forum for resolving customer complaints against regulated entities Correct answer.
  3. NPCI, to resolve failed digital payment transactions
  4. IRDAI, to settle insurance claim disputes

Explanation

The RBI operates the integrated Banking Ombudsman Scheme, now part of the Reserve Bank-Integrated Ombudsman Scheme, 2021, offering a free alternative dispute resolution forum for customer complaints against regulated entities. It covers deficiencies in banking services and digital transactions.

Question 12General Awareness and Banking Awareness

A scheduled commercial bank in India is required to maintain the Statutory Liquidity Ratio in which form?

  1. As gold, cash or approved government securities held in excess of the CRR Correct answer.
  2. Only as deposits with the RBI
  3. Only as cash held in the bank's vault
  4. As corporate bonds rated AA and above

Explanation

SLR requires banks to hold a prescribed share of their net demand and time liabilities in liquid assets such as cash, gold or approved government securities. These holdings are maintained in addition to the cash reserve kept with the RBI.

Question 13General Awareness and Banking Awareness

Which of the following best describes 'repo rate' in the RBI's liquidity management framework?

  1. The rate paid by the RBI on savings deposits
  2. The rate at which the RBI absorbs liquidity from banks against government securities
  3. The rate at which banks lend to their prime customers
  4. The rate at which the RBI lends short-term funds to banks against government securities Correct answer.

Explanation

The repo rate is the rate at which the RBI injects liquidity by lending to banks against eligible collateral, typically government securities, under repurchase agreements. It is the policy rate that signals the stance of monetary policy.

Question 14General Awareness and Banking Awareness

A bank customer wants to send money to a beneficiary using UPI but does not have the beneficiary's account number. What does UPI allow the payer to use instead?

  1. A signed cheque image
  2. The beneficiary's Aadhaar-linked mobile number only
  3. The beneficiary's PAN number
  4. A virtual payment address or UPI ID Correct answer.

Explanation

UPI uses a virtual payment address, also called a UPI ID, to route payments without requiring account details. The payer can also use a mobile number mapped to UPI or a QR code for the transaction.

Question 15General Awareness and Banking Awareness

Under the SARFAESI Act, 2002, a secured creditor may enforce its security interest after a default only if the loan is classified as which of the following?

  1. Restructured standard asset
  2. Standard asset
  3. Sub-standard or non-performing asset Correct answer.
  4. Special mention account 0

Explanation

SARFAESI enforcement requires the debt to be classified as a non-performing asset, that is, overdue for more than 90 days and classified as sub-standard or worse. The creditor must then issue a 60-day demand notice before taking possession.

Question 16General Awareness and Banking Awareness

What is the principal function of the Monetary Policy Committee (MPC) constituted under the RBI Act?

  1. To approve bank licence applications
  2. To supervise cooperative banks
  3. To determine the policy repo rate to achieve the inflation target Correct answer.
  4. To fix the exchange rate of the rupee against the dollar

Explanation

The MPC, chaired by the RBI Governor, sets the policy repo rate to meet the inflation target of 4 per cent with a tolerance band of plus or minus 2 per cent. It was constituted following the 2016 amendment to the RBI Act.

Question 17General Awareness and Banking Awareness

Which of the following instruments is used by the RBI to absorb liquidity from the banking system on a durable basis?

  1. Increase in the bank rate
  2. Purchase of government securities in the open market
  3. Reduction in the cash reserve ratio
  4. Open market sale of government securities Correct answer.

Explanation

An open market sale of government securities withdraws funds from the banking system, absorbing liquidity on a lasting basis. Open market purchases inject liquidity, while CRR changes alter the reserves banks must hold.

Question 18General Awareness and Banking Awareness

Which of the following is the correct description of 'Know Your Customer' norms as applicable to Indian banks?

  1. A rule requiring banks to disclose customer data to all regulators
  2. A scheme for insuring deposits of small customers
  3. A voluntary code that banks may adopt for high-value accounts only
  4. A mandatory customer due diligence process for identifying and verifying customers before opening accounts Correct answer.

Explanation

KYC norms, issued by the RBI under the Prevention of Money Laundering Act framework, require banks to verify customer identity and address and to monitor transactions on a risk-sensitive basis. They apply to all customers, not only high-value accounts.

Question 19General Awareness and Banking Awareness

A customer defaults on a home loan and the bank initiates recovery. Under the Insolvency and Bankruptcy Code, 2016, which forum adjudicates insolvency of an individual borrower?

  1. National Company Law Tribunal
  2. Supreme Court directly
  3. Debt Recovery Tribunal Correct answer.
  4. Consumer Disputes Redressal Commission

Explanation

For individuals and partnership firms, insolvency proceedings under the IBC are filed before the Debt Recovery Tribunal, which acts as the adjudicating authority. The National Company Law Tribunal handles corporate insolvency.

Question 20General Awareness and Banking Awareness

What is the principal role of the National Payments Corporation of India (NPCI)?

  1. To supervise the functioning of cooperative banks
  2. To insure bank deposits up to the prescribed limit
  3. To operate retail payment and settlement systems such as UPI, IMPS and RuPay Correct answer.
  4. To regulate interest rates on bank deposits

Explanation

NPCI is an umbrella organisation that operates retail payment systems including UPI, IMPS, NACH, AePS and the RuPay card network. It was set up by banks and the RBI to build a domestic retail payments infrastructure.

Question 21General Awareness and Banking Awareness

Which of the following correctly distinguishes a 'base rate' from the 'marginal cost of funds-based lending rate' (MCLR)?

  1. Base rate applies only to corporate loans while MCLR applies only to retail loans
  2. Base rate is set by the RBI while MCLR is set by banks
  3. Both are fixed by the government annually
  4. Base rate is computed from average cost of funds while MCLR is computed from marginal cost of funds Correct answer.

Explanation

The base rate, introduced in 2010, was calculated using the average cost of funds. MCLR, introduced in 2016, uses the marginal cost of funds, making loan pricing more responsive to changes in deposit rates.

Question 22General Awareness and Banking Awareness

Under the RBI's guidelines, a loan account is generally classified as a non-performing asset when interest or instalment remains overdue for how long?

  1. 30 days
  2. 60 days
  3. 90 days Correct answer.
  4. 180 days

Explanation

An asset is treated as non-performing when interest or principal has remained overdue for more than 90 days. After that, it is further classified as sub-standard, doubtful or loss based on the period of delinquency.

Question 23General Awareness and Banking Awareness

Which of the following statements about the 'Cash Reserve Ratio' is accurate in the Indian context?

  1. It is maintained as government securities in the bank's own vault
  2. It is maintained by banks as cash with the RBI and earns interest at the repo rate
  3. It is maintained as cash with the RBI and does not earn interest for the bank Correct answer.
  4. It applies only to foreign currency deposits

Explanation

CRR is the share of net demand and time liabilities that banks must keep as cash with the RBI. These balances do not earn interest, which is why CRR is treated as a monetary policy tool that affects banks' cost of funds.

Question 24General Awareness and Banking Awareness

A bank offers a 'floating rate' home loan linked to the repo rate. If the RBI raises the repo rate by 50 basis points, what is the most likely immediate effect on the borrower?

  1. The bank must waive the interest for one year
  2. The loan automatically converts to a fixed rate loan
  3. The interest rate remains unchanged until the loan matures
  4. The EMI or tenure will be revised upward according to the loan agreement Correct answer.

Explanation

A repo-linked floating rate loan resets when the benchmark changes, so a 50 basis point rise in the repo rate increases the interest payable. The bank typically adjusts either the EMI or the remaining tenure as provided in the loan agreement.

Question 25General Awareness and Banking Awareness

Which of the following best explains the term 'Financial Inclusion' as used in Indian policy documents?

  1. Merging weak banks with strong banks to reduce risk
  2. Restricting foreign investment in the banking sector
  3. Providing access to affordable financial services such as banking, credit, insurance and pension to excluded sections Correct answer.
  4. Ensuring that every citizen has a demat account

Explanation

Financial inclusion means extending affordable and timely access to financial products and services, including savings, credit, insurance and pension, to all sections of society. Initiatives such as Jan Dhan Yojana and payment banks are designed around this objective.

Question 26General Awareness and Banking Awareness

The Reserve Bank of India issues currency notes under which section of the Reserve Bank of India Act, 1934, and what is the minimum value of gold and foreign securities that must be maintained as backing?

  1. Section 17, with a minimum backing of ₹100 crore
  2. Section 42, with a minimum backing of ₹1,000 crore
  3. Section 24, with a minimum backing of ₹500 crore
  4. Section 22, with a minimum backing of ₹200 crore Correct answer.

Explanation

Section 22 of the RBI Act, 1934 empowers the RBI to issue notes, and the Second Schedule fixes the minimum reserve of gold and foreign securities at ₹200 crore, of which gold must be at least ₹115 crore. This is the statutory basis for the note issue function in India.

Question 27General Awareness and Banking Awareness

A customer in India wants to make a high-value same-day interbank transfer that must settle through the RBI-operated real-time gross settlement system. Which payment system should be used?

  1. RTGS Correct answer.
  2. NEFT
  3. IMPS
  4. UPI

Explanation

RTGS settles transactions individually in real time on a gross basis and is operated by the RBI, and it is intended for large-value or time-critical transfers. NEFT settles in batches and IMPS/UPI are retail systems with different settlement mechanics.

Question 28General Awareness and Banking Awareness

A bank wishes to raise funds by issuing unsecured debt instruments that qualify as part of Additional Tier 1 capital under the RBI's Basel III capital regulations. Which instrument is it issuing?

  1. Redeemable cumulative preference shares with a fixed maturity
  2. Perpetual non-cumulative preference shares only
  3. Subordinated debt with a minimum original maturity of five years
  4. Basel III-compliant perpetual debt instruments with a call option after a minimum period Correct answer.

Explanation

Additional Tier 1 capital may include perpetual non-cumulative preference shares and Basel III-compliant perpetual debt instruments that carry loss-absorption features and a call option only after a specified minimum period. These instruments must be perpetual and must have no maturity date.

Question 29General Awareness and Banking Awareness

Which of the following best describes the 'marginal standing facility' available to scheduled commercial banks?

  1. A window to borrow long-term funds from the RBI for infrastructure lending.
  2. A scheme under which the RBI subscribes to a bank's equity during a crisis.
  3. A facility to borrow overnight from the RBI against approved government securities, above the repo limit. Correct answer.
  4. A facility to borrow from other banks in the call money market without collateral.

Explanation

The MSF allows scheduled commercial banks to borrow overnight from the RBI against eligible government securities up to a prescribed limit of their net demand and time liabilities, over and above the repo window. The rate is typically set above the repo rate.

Question 30General Awareness and Banking Awareness

A bank customer notices that the interest rate on a floating-rate retail loan is linked to an external benchmark. Which of the following is an external benchmark recognised by the RBI for such loans?

  1. The bank's own base rate
  2. The policy repo rate of the RBI Correct answer.
  3. The bank's marginal cost of funds-based lending rate
  4. The bank's internal cost of funds

Explanation

The RBI permits external benchmarking of certain retail and MSME loans to the policy repo rate, the three-month or six-month Treasury bill rate, or other specified benchmarks. The bank's own base rate, MCLR and internal cost of funds are internal benchmarks.

Question 31General Awareness and Banking Awareness

Under the Foreign Exchange Management Act, 1999, which authority is responsible for administering exchange control in India?

  1. The Insurance Regulatory and Development Authority of India
  2. The Reserve Bank of India Correct answer.
  3. The Securities and Exchange Board of India
  4. The Ministry of Corporate Affairs

Explanation

FEMA, 1999 empowers the RBI to administer exchange control, and the RBI issues directions through the Foreign Exchange Department. SEBI, IRDAI and the MCA regulate other areas of the financial system.

Question 32General Awareness and Banking Awareness

A bank is required to maintain a proportion of its net demand and time liabilities in the form of cash, gold or approved securities. Which of the following correctly describes the Statutory Liquidity Ratio?

  1. It is maintained in cash, gold or approved securities and is held by the bank itself. Correct answer.
  2. It is maintained only in the form of deposits with other commercial banks.
  3. It is maintained only in foreign currency assets held abroad.
  4. It must be maintained only in cash balances with the RBI.

Explanation

SLR is the minimum percentage of net demand and time liabilities that a bank must hold in cash, gold or approved government securities, and the assets are held by the bank itself. This is distinct from CRR, which is held with the RBI.

Question 33General Awareness and Banking Awareness

When the RBI conducts an open market operation by purchasing government securities from banks, what is the immediate effect on the banking system?

  1. Bank reserves with the RBI rise and liquidity expands. Correct answer.
  2. The SLR requirement for banks increases automatically.
  3. Bank reserves with the RBI fall and liquidity tightens.
  4. The CRR requirement for banks increases automatically.

Explanation

An open market purchase injects funds into the banking system because the RBI pays banks for the securities, raising their balances with the RBI. This expands liquidity and supports easier monetary conditions.

Question 34General Awareness and Banking Awareness

Which of the following is the correct description of a 'Non-Banking Financial Company' registered with the RBI?

  1. A company that carries on financial activity but does not form part of the payment and settlement system as a bank. Correct answer.
  2. A company that operates only as a stock exchange intermediary.
  3. A company that accepts demand deposits and issues cheques like a bank.
  4. A company that is exempt from all RBI regulation because it does not lend.

Explanation

An NBFC is a company registered under the Companies Act that conducts financial business such as lending or investment but does not include institutions whose principal business is banking or that form part of the payment and settlement system. Unlike banks, NBFCs cannot accept demand deposits.

Question 35General Awareness and Banking Awareness

A customer wants to open a small savings account under a scheme that offers a fixed interest rate and allows deposits by a guardian on behalf of a minor. Which of the following is a small savings scheme administered through post offices and banks in India?

  1. Sukanya Samriddhi Account Correct answer.
  2. Atal Pension Yojana
  3. Public Provident Fund
  4. National Pension System

Explanation

The Sukanya Samriddhi Account is a small savings scheme for a girl child, opened by a guardian, with a government-declared interest rate and tax benefits under the Income Tax Act. PPF, NPS and APY are different instruments with their own rules.

Question 36General Awareness and Banking Awareness

Under the RBI's guidelines on 'Know Your Customer', which of the following is required for a customer classified as high risk?

  1. No further review once the account is operational for a year.
  2. Review only when the customer requests a new product.
  3. Only a one-time verification at account opening.
  4. Enhanced due diligence with periodic review at shorter intervals. Correct answer.

Explanation

KYC guidelines require risk categorisation of customers, and high-risk customers attract enhanced due diligence with more frequent periodic reviews. Low-risk customers may be reviewed at longer intervals.

Question 37General Awareness and Banking Awareness

Which of the following is the primary objective of the Insolvency and Bankruptcy Code, 2016, as applied to corporate debtors?

  1. To guarantee full recovery of all dues to every creditor.
  2. To transfer all defaulting companies to the government.
  3. To provide time-bound resolution of insolvency and maximise the value of assets. Correct answer.
  4. To replace the SARFAESI Act entirely for secured creditors.

Explanation

The IBC aims to consolidate and amend laws relating to reorganisation and insolvency resolution in a time-bound manner, maximising the value of assets and balancing the interests of all stakeholders. It does not guarantee full recovery or replace SARFAESI.

Question 38General Awareness and Banking Awareness

A bank's advances include a term loan to a company that has been restructured. Which of the following best describes the purpose of the RBI's prudential norms on income recognition, asset classification and provisioning?

  1. To ensure banks recognise income only on actual recovery and classify assets by delinquency. Correct answer.
  2. To exempt restructured accounts from any asset classification.
  3. To allow banks to book interest on accrual basis even when recovery is doubtful.
  4. To permit banks to defer provisioning until the loan matures.

Explanation

The IRAC norms require banks to recognise income on a cash basis for non-performing assets and to classify assets as standard, sub-standard, doubtful or loss based on the period of delinquency. Provisioning is then made according to the classification.

Question 39General Awareness and Banking Awareness

A bank is a member of the Clearing Corporation of India. Which of the following functions does the CCIL perform in the Indian financial system?

  1. It issues currency notes on behalf of the RBI.
  2. It administers the Deposit Insurance and Credit Guarantee Corporation.
  3. It acts as a central counterparty and provides clearing and settlement for money, forex and government securities markets. Correct answer.
  4. It regulates mutual funds and collective investment schemes.

Explanation

The CCIL is a central counterparty that provides clearing and settlement services for transactions in money markets, government securities, foreign exchange and related markets. It helps reduce counterparty risk in these markets.

Question 40General Awareness and Banking Awareness

A scheduled commercial bank in India wants to expand its network by opening a new branch in an unbanked rural area. Under the RBI's branch authorisation policy, which of the following is generally required for domestic scheduled commercial banks?

  1. Approval from the Ministry of Finance for all branch openings
  2. Automatic approval if the branch is located in a metro city
  3. No prior approval from the RBI for branches in unbanked rural centres, subject to certain conditions Correct answer.
  4. Prior written approval from the RBI for each new branch, including those in unbanked rural centres

Explanation

The RBI's branch authorisation policy for domestic scheduled commercial banks generally allows them to open branches in unbanked rural centres (population below 10,000) without prior approval, provided they meet certain conditions such as maintaining a minimum CRAR and not having any regulatory restrictions. However, branches in urban, semi-urban, and metro areas typically require prior approval. This policy aims to promote financial inclusion by encouraging banks to expand into underserved rural areas.

Question 41Reasoning and Computer Aptitude

In a certain coding scheme, ZBO is written as ACP. Using the same scheme, how is RBI written?

  1. SCJ Correct answer.
  2. SDJ
  3. SCK
  4. QAH

Explanation

Each letter moves one step forward in the alphabet: R→S, B→C, I→J. Applying a uniform +1 shift gives SCJ.

Question 42Reasoning and Computer Aptitude

Pointing to a man, Meera said, "He is the only son of my mother's father." How is the man related to Meera?

  1. Maternal grandfather
  2. Maternal uncle Correct answer.
  3. Brother
  4. Father

Explanation

Meera's mother's father is her maternal grandfather, and his only son is Meera's mother's brother. The mother's brother is the maternal uncle of Meera.

Question 43Reasoning and Computer Aptitude

If in a code language 'ka li po' means 'bank opens early' and 'li ta ru' means 'early closing branch', which word means 'early'?

  1. po
  2. li Correct answer.
  3. ta
  4. ka

Explanation

The word 'early' appears in both statements, and the only code word common to both is 'li'. Hence 'li' stands for 'early'.

Question 44Reasoning and Computer Aptitude

Which of the following is the primary function of the Control Unit inside a CPU?

  1. Converting source code into machine code
  2. Permanently storing the operating system files
  3. Rendering graphics on the monitor
  4. Directing the flow of data and instructions between components Correct answer.

Explanation

The control unit fetches instructions, decodes them and issues control signals that coordinate the ALU, registers and memory. It does not store files permanently, compile code, or render graphics.

Question 45Reasoning and Computer Aptitude

A series is given: 7, 14, 28, 56, ? What should replace the question mark?

  1. 112 Correct answer.
  2. 98
  3. 120
  4. 102

Explanation

Each term is double the previous term, so the next term is 56 × 2 = 112. The pattern is a constant multiplication by two.

Question 46Reasoning and Computer Aptitude

Which keyboard shortcut is used to rename a selected file or folder in Windows File Explorer?

  1. Ctrl + R
  2. Alt + F4
  3. F5
  4. F2 Correct answer.

Explanation

Pressing F2 on a selected item in File Explorer activates the rename box so the name can be edited. The other shortcuts perform refresh, browser reload and window close respectively.

Question 47Reasoning and Computer Aptitude

Five files A, B, C, D and E are kept in a stack one above another. A is above C but below E. B is the bottom-most file. D is immediately above B. Which file is at the top?

  1. C
  2. D
  3. E Correct answer.
  4. A

Explanation

With B at the bottom and D just above B, the order so far is D, B. Since A is above C and below E, E must occupy the highest position. Hence E is at the top of the stack.

Question 48Reasoning and Computer Aptitude

In a certain code, the word BANK is written as 2-1-14-11. What will be the code for the word LOAN using the same letter-position scheme?

  1. 12-15-1-14 Correct answer.
  2. 13-15-1-14
  3. 12-14-1-15
  4. 11-14-2-13

Explanation

The scheme uses the alphabetical position of each letter: B=2, A=1, N=14, K=11. For LOAN, L=12, O=15, A=1, N=14, giving 12-15-1-14.

Question 49Reasoning and Computer Aptitude

A bank's server room has computers connected so that each computer links directly to every other computer. If there are 6 computers, how many direct links exist?

  1. 15 Correct answer.
  2. 12
  3. 30
  4. 36

Explanation

The number of direct links among n nodes is n(n−1)/2, because each link is counted twice when every node connects to every other. For n=6 this gives 6×5/2 = 15.

Question 50Reasoning and Computer Aptitude

Statements: All branches are banks. Some banks are digital. Conclusions: I. Some branches are digital. II. Some banks are branches. Which conclusion follows?

  1. Only II follows Correct answer.
  2. Neither I nor II follows
  3. Both I and II follow
  4. Only I follows

Explanation

Some banks are branches follows by converting the first statement, since all branches are banks. The digital banks need not overlap with branches, so conclusion I is not guaranteed.