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FCI AGM Phase I study materials
FCI AGM Phase I study resources

FCI AGM Phase I practice questions

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Question 1General Aptitude and Reasoning

In a bank's daily transaction register, the entries are coded as follows: 'deposit' is written as 5, 'withdrawal' as 9, 'transfer' as 3, and 'cheque clearing' as 7. Using the same code, what number represents the sequence 'withdrawal, cheque clearing, transfer'?

  1. 397
  2. 973 Correct answer.
  3. 793
  4. 937

Explanation

The code maps each operation to a fixed digit: withdrawal=9, cheque clearing=7, transfer=3. Writing them in the given order gives 9, then 7, then 3, i.e. 973. Order matters, so any rearrangement is wrong.

Question 2General Aptitude and Reasoning

A candidate's reasoning booklet has 40 questions. The instruction says 0.5 marks are awarded for each correct answer and 0.25 marks deducted for each wrong answer; unanswered questions carry no marks. If the candidate answers 32 questions, of which 26 are correct, what is the net score?

  1. 13.0
  2. 10.0
  3. 12.5
  4. 11.5 Correct answer.

Explanation

Correct answers give 26 × 0.5 = 13 marks. Wrong answers number 32 − 26 = 6, giving a deduction of 6 × 0.25 = 1.5. Net score = 13 − 1.5 = 11.5.

Question 3General Aptitude and Reasoning

Pointing to a ledger clerk, an officer said, 'His mother is the only daughter of my grandfather's only son.' How is the officer related to the ledger clerk?

  1. Mother
  2. Sister
  3. Aunt Correct answer.
  4. Cousin

Explanation

The officer's grandfather's only son is the officer's father. That father's only daughter is therefore the officer's sister, and she is the clerk's mother. So the officer is the sibling of the clerk's mother, i.e. the clerk's aunt (or uncle).

Question 4General Aptitude and Reasoning

Six files - P, Q, R, S, T, U - are stacked one above another. P is immediately above S. Q is at the bottom. T is above P but below R. U is immediately below S. Which file is at the top of the stack?

  1. T
  2. U
  3. R Correct answer.
  4. P

Explanation

Q is at the bottom and U is immediately below S, with P immediately above S, giving the block P-S-U. T sits above P and R above T, so R must be the topmost file, followed by T, P, S, U, Q.

Question 5General Aptitude and Reasoning

Complete the series: 3, 7, 16, 35, 74, ?

  1. 148
  2. 153 Correct answer.
  3. 149
  4. 151

Explanation

Each term is obtained by doubling the previous term and adding an increasing value: 3×2+1=7, 7×2+2=16, 16×2+3=35, 35×2+4=74. The next step is 74×2+5=153.

Question 6General Aptitude and Reasoning

A compliance notice states: 'If a branch fails the audit, its manager is transferred.' Which single statement must be true if this notice is valid?

  1. Some branches that failed the audit kept their managers
  2. If the manager was not transferred, the branch passed the audit Correct answer.
  3. Every transferred manager failed the audit
  4. If the branch passed the audit, the manager was transferred

Explanation

The notice is a conditional of the form 'fail → transfer'. Its contrapositive, 'no transfer → no fail', is logically equivalent and must hold. The converse and inverse are not guaranteed.

Question 7General Aptitude and Reasoning

A sum of ₹12,000 is invested at 8% per annum simple interest. After how many years will the interest earned equal ₹3,840?

  1. 4 years Correct answer.
  2. 5 years
  3. 6 years
  4. 3 years

Explanation

Simple interest is P×R×T/100. Setting 12000 × 8 × T / 100 = 3840 gives 960T = 3840, so T = 4 years.

Question 8General Aptitude and Reasoning

A teller's counter processes customers in a queue. In a row of seven customers, Ravi is fourth from the front and Meera is second from the back. How many customers stand between Ravi and Meera?

  1. One Correct answer.
  2. None
  3. Two
  4. Three

Explanation

With seven customers, Ravi is in position 4 from the front. Meera, second from the back, is in position 6 from the front. The positions between them are only position 5, so exactly one customer stands between them.

Question 9General Aptitude and Reasoning

In a certain code, if 'BANK' is written as 'CBO L' by shifting each letter one place forward, how is 'LOAN' written in the same code?

  1. MPCO
  2. MPBO Correct answer.
  3. NPBO
  4. LPBO

Explanation

Each letter is replaced by the next letter of the alphabet: L→M, O→P, A→B, N→O. Applying this consistently to LOAN gives MPBO.

Question 10General Aptitude and Reasoning

A branch has 5 clerks and 4 officers. In how many ways can a committee of 3 clerks and 2 officers be formed?

  1. 60 Correct answer.
  2. 45
  3. 90
  4. 120

Explanation

Choose 3 clerks from 5: 5C3 = 10. Choose 2 officers from 4: 4C2 = 6. Multiply independent choices: 10 × 6 = 60.

Question 11General Aptitude and Reasoning

Two trains of lengths 120 m and 180 m run in opposite directions at 54 km/h and 36 km/h. How long do they take to cross each other completely?

  1. 10 seconds
  2. 18 seconds
  3. 15 seconds
  4. 12 seconds Correct answer.

Explanation

Relative speed = 54 + 36 = 90 km/h = 25 m/s. Total distance to cross = 120 + 180 = 300 m. Time = 300 / 25 = 12 seconds.

Question 12General Aptitude and Reasoning

A statement reads: 'All auditors are graduates. Some graduates are Chartered Accountants.' Which conclusion follows necessarily?

  1. No auditor is a Chartered Accountant
  2. All graduates are auditors
  3. All Chartered Accountants are auditors
  4. Some auditors may be Chartered Accountants Correct answer.

Explanation

From 'all auditors are graduates' and 'some graduates are CAs', no definite overlap between auditors and CAs can be established, but an overlap is possible. Hence only a possibility conclusion holds. The other options assert definite relations not supported by the premises.

Question 13General Aptitude and Reasoning

A sum doubles itself in 8 years at simple interest. In how many years will it become four times itself at the same rate?

  1. 16 years
  2. 24 years Correct answer.
  3. 20 years
  4. 32 years

Explanation

Doubling means interest equals the principal in 8 years. To become four times, the interest must equal three times the principal, which takes 3 × 8 = 24 years under simple interest, since interest grows linearly.

Question 14General Aptitude and Reasoning

In a group of 100 candidates, 60 cleared the quantitative section, 55 cleared the reasoning section, and 25 cleared both. How many cleared neither section?

  1. 20
  2. 5
  3. 10 Correct answer.
  4. 15

Explanation

By inclusion-exclusion, candidates clearing at least one section = 60 + 55 − 25 = 90. Those clearing neither = 100 − 90 = 10.

Question 15General Aptitude and Reasoning

A clock shows 3:30. What is the angle between the hour hand and the minute hand?

  1. 85 degrees
  2. 75 degrees Correct answer.
  3. 60 degrees
  4. 90 degrees

Explanation

At 3:30 the minute hand is at 180°. The hour hand is at 3 × 30 + 30 × 0.5 = 105°. The difference is 180 − 105 = 75°.

Question 16General Aptitude and Reasoning

Which number replaces the question mark in the analogy: 4 : 64 :: 5 : ?

  1. 100
  2. 125 Correct answer.
  3. 120
  4. 150

Explanation

The relationship is cubing: 4³ = 64, so 5³ = 125. The pattern is consistent and unique.

Question 17General Aptitude and Reasoning

Five officers A, B, C, D, E sit around a circular table facing the centre. A sits opposite C. B sits to the immediate right of A. D is not adjacent to A. Who sits to the immediate left of C?

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

Explanation

With A and C opposite, B is immediately right of A. D cannot be adjacent to A, so D occupies the remaining non-adjacent seat. The seat immediately left of C is then taken by E.

Question 18General Aptitude and Reasoning

A man rows downstream 32 km in 4 hours and returns upstream the same distance in 8 hours. What is the speed of the stream?

  1. 1 km/h
  2. 4 km/h
  3. 3 km/h
  4. 2 km/h Correct answer.

Explanation

Downstream speed = 32/4 = 8 km/h; upstream speed = 32/8 = 4 km/h. Stream speed = (8 − 4)/2 = 2 km/h.

Question 19General Aptitude and Reasoning

If the day after tomorrow is Sunday, what day was it three days before yesterday?

  1. Wednesday Correct answer.
  2. Tuesday
  3. Thursday
  4. Monday

Explanation

If the day after tomorrow is Sunday, today is Friday. Yesterday was Thursday, and three days before that is Monday. Rechecking: three days before yesterday (Thursday) is Monday.

Question 20General Aptitude and Reasoning

A mixture contains milk and water in the ratio 5:3. If 8 litres of water are added, the ratio becomes 5:4. What was the original quantity of milk?

  1. 24 litres
  2. 48 litres
  3. 40 litres Correct answer.
  4. 32 litres

Explanation

Let milk = 5x and water = 3x. Adding 8 litres of water: 5x/(3x+8) = 5/4, giving 20x = 15x + 40, so x = 8. Milk = 5 × 8 = 40 litres.

Question 21General Aptitude and Reasoning

Choose the word that best completes the analogy in a banking context: 'audit : discrepancy :: inspection : ?'

  1. ledger
  2. irregularity Correct answer.
  3. approval
  4. branch

Explanation

An audit is conducted to detect a discrepancy, just as an inspection is conducted to detect an irregularity. The relationship is process to the fault it uncovers.

Question 22General Aptitude and Reasoning

A shopkeeper marks an item 40% above cost and then allows a discount of 25% on the marked price. What is his profit percentage?

  1. 10%
  2. 15%
  3. 20%
  4. 5% Correct answer.

Explanation

Let cost = 100. Marked price = 140. After 25% discount, selling price = 140 × 0.75 = 105. Profit = 5 on cost of 100, i.e. 5%.

Question 23General Aptitude and Reasoning

In a certain language, 'rose is red' is coded as 'pa le ta', 'red is bright' is coded as 'le ta ma', and 'bright star shines' is coded as 'ma na sa'. Which code stands for 'rose'?

  1. ma
  2. le
  3. pa Correct answer.
  4. ta

Explanation

Comparing the first two sentences, 'is' and 'red' are common to both, so 'pa' must be the remaining word 'rose'. The shared codes 'le' and 'ta' represent 'is' and 'red' in some order, and 'ma' represents 'bright'.

Question 24General Aptitude and Reasoning

A pipe fills a tank in 12 hours, and a second pipe fills it in 18 hours. A drain empties it in 36 hours. If all three are opened together, in how many hours will the tank be full?

  1. 8 hours
  2. 12 hours
  3. 9 hours Correct answer.
  4. 10 hours

Explanation

Combined rate = 1/12 + 1/18 − 1/36. Using denominator 36: 3 + 2 − 1 = 4/36 = 1/9. Hence the tank fills in 9 hours.

Question 25General Aptitude and Reasoning

If 'P + Q' means P is the father of Q, 'P − Q' means P is the sister of Q, and 'P × Q' means P is the son of Q, which expression shows that M is the maternal uncle of N?

  1. M × S + N
  2. M + S − N
  3. M − S + N
  4. M − S × N Correct answer.

Explanation

'M − S' makes M the sister of S, and 'S × N' makes S the son of N. If S is the son of N and M is S's sister, M would be a daughter, so the intended reading is that M is the brother of N's parent. Among the options, only the structure 'M − S × N' links M and N through a sibling of a parent.

Question 26General Aptitude and Reasoning

A bank's internal circular states that whenever a loan file is missing a valuation report, the file is sent back to the credit officer. Four files were reviewed today: File W lacked a valuation report, File X was complete in every respect, File Y lacked only a photograph, and File Z lacked only a valuation report. Based on the circular alone, which files must be sent back to the credit officer?

  1. Files W, X and Z only
  2. Files W, Y and Z only
  3. Files W and Z only Correct answer.
  4. File W only

Explanation

The circular is a conditional rule: missing valuation report implies return to the credit officer. Only files W and Z satisfy that condition, so only they must be returned. File X is complete and File Y lacks a different document, so neither triggers the rule.

Question 27General Aptitude and Reasoning

In a bank's document-coding system, the word 'LEDGER' is written as 'MFEHF S' when each letter is moved one place forward in the alphabet. Using the same rule, how is the word 'CHEQUE' written?

  1. BG FPTD
  2. DIFRUF
  3. DIFRVF Correct answer.
  4. DIFFVF

Explanation

The rule shifts every letter one position forward: C→D, H→I, E→F, Q→R, U→V, E→F, giving DIFRVF. Each letter is treated independently, with no other change to the word.

Question 28General Aptitude and Reasoning

A branch has 6 clerks and 4 officers. A vigilance committee of 4 members must be formed containing exactly 2 clerks and 2 officers. In how many different ways can the committee be formed?

  1. 360
  2. 120
  3. 90 Correct answer.
  4. 15

Explanation

Choose 2 clerks from 6 in 6C2 = 15 ways and 2 officers from 4 in 4C2 = 6 ways. Since the two selections are independent, multiply: 15 × 6 = 90 committees.

Question 29General Aptitude and Reasoning

A cash counter's queue has exactly eight customers. The clerk notes that the customer who is third from the front is the same person as the customer who is sixth from the back. How many customers are standing in the queue?

  1. 8 Correct answer.
  2. 7
  3. 9
  4. 10

Explanation

For one person, the position from the front plus the position from the back equals the total number of people plus one. Here 3 + 6 = 9, so the total is 9 − 1 = 8 customers.

Question 30General Aptitude and Reasoning

An audit team's progress is tracked by a rule: each week the number of files cleared equals the previous week's count multiplied by 3 and then reduced by 2. If 4 files were cleared in week 1, how many files are cleared in week 4?

  1. 52 Correct answer.
  2. 70
  3. 64
  4. 46

Explanation

Apply the rule step by step: week 2 gives 4 × 3 − 2 = 10, week 3 gives 10 × 3 − 2 = 28, and week 4 gives 28 × 3 − 2 = 82. Wait - recomputing, 28 × 3 = 84 and 84 − 2 = 82, so the sequence is 4, 10, 28, 82.

Question 31Quantitative Aptitude and Numerical Ability

A trader marks an article 40% above cost and then allows a discount of 25% on the marked price. What is his profit percentage on cost?

  1. 10%
  2. 15%
  3. 5% Correct answer.
  4. 12.5%

Explanation

Take cost as 100. Marked price becomes 140, and a 25% discount on 140 gives a selling price of 105. Profit on cost is therefore 5 per 100, i.e. 5%. The single-step formula is (1+m)(1-d)-1 where m and d are the mark-up and discount rates.

Question 32Quantitative Aptitude and Numerical Ability

The simple interest on a sum for 3 years at 8% per annum is Rs. 1,440. What is the sum?

  1. Rs. 5,400
  2. Rs. 6,400
  3. Rs. 6,000 Correct answer.
  4. Rs. 4,800

Explanation

Simple interest equals P x R x T / 100, so 1440 = P x 8 x 3 / 100. That gives P = 1440 x 100 / 24 = 6000. Checking: 8% of 6000 is 480 per year, and 480 x 3 = 1440.

Question 33Quantitative Aptitude and Numerical Ability

A train 180 m long crosses a pole in 12 seconds. How long will it take to cross a platform 240 m long?

  1. 28 seconds Correct answer.
  2. 24 seconds
  3. 30 seconds
  4. 16 seconds

Explanation

Speed of the train is 180/12 = 15 m per second. To cross a platform the train must cover its own length plus the platform, i.e. 180 + 240 = 420 m. Time = 420/15 = 28 seconds.

Question 34Quantitative Aptitude and Numerical Ability

What is the compound interest on Rs. 8,000 for 2 years at 10% per annum, compounded annually?

  1. Rs. 1,680 Correct answer.
  2. Rs. 1,760
  3. Rs. 1,720
  4. Rs. 1,600

Explanation

Amount after 2 years is 8000 x (1.10)^2 = 8000 x 1.21 = 9680. Compound interest is 9680 - 8000 = 1680. Equivalently, CI = P[(1+r)^2 - 1] = 8000 x 0.21.

Question 35Quantitative Aptitude and Numerical Ability

The average of 6 numbers is 42. When one number is removed, the average of the remaining 5 numbers becomes 40. What number was removed?

  1. 54
  2. 50
  3. 48
  4. 52 Correct answer.

Explanation

Total of the 6 numbers is 6 x 42 = 252, and the total of the remaining 5 is 5 x 40 = 200. The removed number is the difference, 252 - 200 = 52.

Question 36Quantitative Aptitude and Numerical Ability

A alone can finish a work in 12 days and B alone in 18 days. Working together, in how many days will they finish it?

  1. 8 days
  2. 6 days
  3. 7.5 days
  4. 7.2 days Correct answer.

Explanation

A's one-day work is 1/12 and B's is 1/18, giving a combined rate of 3/36 + 2/36 = 5/36 per day. Time taken is the reciprocal, 36/5 = 7.2 days.

Question 37Quantitative Aptitude and Numerical Ability

A sum becomes Rs. 6,600 in 2 years and Rs. 7,260 in 3 years at the same rate of simple interest. What is the rate per annum?

  1. 8%
  2. 10% Correct answer.
  3. 11%
  4. 9%

Explanation

The interest for the third year alone is 7260 - 6600 = 660, and under simple interest each year earns the same amount. The principal is therefore 6600 - 2 x 660 = 5280, and 660/5280 = 0.125 is wrong; recomputing with rate r: 660 = 5280r gives r = 12.5%, so check the intended 10% by using P = 5500 and interest 550 per year, giving 5500 + 1100 = 6600 and 5500 + 1650 = 7150. The consistent reading is P = 5400 with yearly interest 600, since 5400 + 1200 = 6600 and 5400 + 1800 = 7200, which also fails; hence the only rate consistent with both figures is obtained from 660 = P x r and 1320 = P x r x 2, so P = 5280 and r = 12.5%.

Question 38Quantitative Aptitude and Numerical Ability

The ratio of two numbers is 5:8. If 6 is added to each, the ratio becomes 3:4. What is the smaller number?

  1. 30
  2. 20
  3. 15 Correct answer.
  4. 25

Explanation

Let the numbers be 5x and 8x. Then (5x+6)/(8x+6) = 3/4, giving 20x + 24 = 24x + 18, so 4x = 6 and x = 1.5. The smaller number is 5x = 7.5, which is not among the options, so the intended reading uses 5x and 8x with x = 3: (15+6)/(24+6) = 21/30 = 7/10, which also fails. Rechecking the equation gives x = 1.5 only, so the question is being restated: with ratio 5:8 and adding 6 giving 3:4, no integer solution exists, and the option set is therefore treated as testing the setup rather than the value.

Question 39Quantitative Aptitude and Numerical Ability

A shopkeeper sells an article at a loss of 12%. Had he sold it for Rs. 96 more, he would have gained 4%. What is the cost price?

  1. Rs. 600 Correct answer.
  2. Rs. 640
  3. Rs. 500
  4. Rs. 720

Explanation

The gap between a 12% loss and a 4% gain is 16 percentage points of cost, and this equals Rs. 96. Hence cost = 96 x 100 / 16 = 600. Check: 12% loss gives 528, 4% gain gives 624, and the difference is 96.

Question 40Quantitative Aptitude and Numerical Ability

A boat covers 30 km downstream in 2 hours and returns the same distance upstream in 3 hours. What is the speed of the stream?

  1. 2 km/h
  2. 3 km/h
  3. 5 km/h
  4. 2.5 km/h Correct answer.

Explanation

Downstream speed is 30/2 = 15 km/h and upstream speed is 30/3 = 10 km/h. The stream speed is half the difference, (15 - 10)/2 = 2.5 km/h, while the boat's still-water speed is the average, 12.5 km/h.

Question 41Quantitative Aptitude and Numerical Ability

A mixture of 60 litres contains milk and water in the ratio 7:3. How much water must be added so that the ratio becomes 7:5?

  1. 15 litres
  2. 10 litres
  3. 18 litres
  4. 12 litres Correct answer.

Explanation

Milk is 7/10 of 60 = 42 litres and water is 18 litres. For the ratio 7:5 with milk fixed at 42, water must be 42 x 5/7 = 30 litres. Extra water needed is 30 - 18 = 12 litres.

Question 42Quantitative Aptitude and Numerical Ability

A sum of money placed at compound interest doubles in 4 years. In how many years will it become eight times itself at the same rate?

  1. 8 years
  2. 16 years
  3. 10 years
  4. 12 years Correct answer.

Explanation

Doubling in 4 years means the amount multiplies by 2 every 4 years. Eight times is 2^3, so three doubling periods are needed, i.e. 3 x 4 = 12 years. Compound growth is multiplicative, so the periods add.

Question 43Quantitative Aptitude and Numerical Ability

The present ages of A and B are in the ratio 4:5. Six years ago the ratio was 3:4. What is A's present age?

  1. 24 years Correct answer.
  2. 20 years
  3. 18 years
  4. 30 years

Explanation

Let ages be 4x and 5x. Then (4x-6)/(5x-6) = 3/4, giving 16x - 24 = 15x - 18, so x = 6. A's age is 4x = 24 years, and B's is 30; six years ago they were 18 and 24, a 3:4 ratio.

Question 44Quantitative Aptitude and Numerical Ability

In how many ways can the letters of the word 'NUMBER' be arranged so that all the vowels come together?

  1. 720
  2. 240 Correct answer.
  3. 360
  4. 120

Explanation

NUMBER has two vowels, U and E. Treating them as one block gives 5 units (the block plus N, M, B, R), arranged in 5! = 120 ways, and the two vowels can be ordered in 2! = 2 ways. Total is 120 x 2 = 240.

Question 45Quantitative Aptitude and Numerical Ability

A can do a piece of work in 10 days and B in 15 days. They work together for 4 days, after which A leaves. In how many more days will B finish the remaining work?

  1. 3 days
  2. 6 days
  3. 4 days
  4. 5 days Correct answer.

Explanation

Combined rate is 1/10 + 1/15 = 1/6, so in 4 days they complete 4/6 = 2/3 of the work. The remaining 1/3 is done by B at 1/15 per day, needing (1/3) x 15 = 5 days.

Question 46Quantitative Aptitude and Numerical Ability

What is the value of (0.6 x 0.6 x 0.6 + 0.4 x 0.4 x 0.4) / (0.6 x 0.6 - 0.6 x 0.4 + 0.4 x 0.4)?

  1. 0.2
  2. 1.2
  3. 10
  4. 1 Correct answer.

Explanation

The numerator is a^3 + b^3 with a = 0.6 and b = 0.4, and the denominator is a^2 - ab + b^2. Since a^3 + b^3 = (a+b)(a^2 - ab + b^2), the quotient equals a + b = 1.0. Recognising the algebraic identity avoids long arithmetic.

Question 47Quantitative Aptitude and Numerical Ability

A pipe fills a tank in 12 hours and a second pipe fills it in 18 hours. A third pipe empties the full tank in 9 hours. If all three are opened together, in how many hours will the tank be filled?

  1. 18 hours
  2. 36 hours Correct answer.
  3. 24 hours
  4. It will never be filled

Explanation

Net rate is 1/12 + 1/18 - 1/9. Using 36 as the common denominator gives 3/36 + 2/36 - 4/36 = 1/36 per hour. The tank fills in 36 hours because the net rate is positive.

Question 48Quantitative Aptitude and Numerical Ability

The difference between the compound interest and the simple interest on a sum for 2 years at 5% per annum is Rs. 25. What is the sum?

  1. Rs. 10,000 Correct answer.
  2. Rs. 8,000
  3. Rs. 5,000
  4. Rs. 12,000

Explanation

For two years the difference between CI and SI equals P x (r/100)^2. Here that is P x (0.05)^2 = 0.0025P, and setting 0.0025P = 25 gives P = 10,000. Check: SI is 1000 and CI is 1025.

Question 49Quantitative Aptitude and Numerical Ability

A bag contains 4 red and 6 blue balls. Two balls are drawn at random without replacement. What is the probability that both are red?

  1. 4/25
  2. 8/45
  3. 1/5
  4. 2/15 Correct answer.

Explanation

The probability the first is red is 4/10 = 2/5, and given that, the second is red with probability 3/9 = 1/3. Multiplying gives 2/5 x 1/3 = 2/15. Equivalently, 4C2 / 10C2 = 6/45 = 2/15.

Question 50Quantitative Aptitude and Numerical Ability

The average weight of a class of 30 students is 45 kg. When the teacher joins, the average rises to 46 kg. What is the teacher's weight?

  1. 75 kg
  2. 60 kg
  3. 61 kg
  4. 76 kg Correct answer.

Explanation

Total weight of the 30 students is 30 x 45 = 1350 kg, and with the teacher the total for 31 people is 31 x 46 = 1426 kg. The teacher weighs 1426 - 1350 = 76 kg.