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HARCO Bank Clerk practice questions

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Question 1Quantitative Aptitude / Numerical Ability

A bank clerk's monthly salary is ₹24,000. If 15% is deducted for provident fund, what is the amount deducted each month?

  1. ₹4,000
  2. ₹2,400
  3. ₹3,600 Correct answer.
  4. ₹3,200

Explanation

The deduction is a fixed percentage of the gross salary, so multiply 24,000 by 15/100. Since 10% is 2,400 and 5% is 1,200, the total deduction is 3,600 rupees. This is the standard percentage-of-a-quantity method used in salary and interest calculations.

Question 2Quantitative Aptitude / Numerical Ability

A sum of ₹8,000 earns simple interest at 6% per annum. What total interest accrues in 2 years and 6 months?

  1. ₹960
  2. ₹1,440
  3. ₹1,320
  4. ₹1,200 Correct answer.

Explanation

Simple interest equals principal × rate × time, with time expressed in years. Here 2 years 6 months is 2.5 years, so the interest is 8,000 × 6/100 × 2.5 = 1,200 rupees. Converting months to a fraction of a year is the key step.

Question 3Quantitative Aptitude / Numerical Ability

A teller processes 45 cheques in 3 hours. At the same steady rate, how many cheques will be processed in 7 hours?

  1. 115
  2. 105 Correct answer.
  3. 135
  4. 90

Explanation

This is a direct proportion problem: find the unit rate first. The teller handles 45 ÷ 3 = 15 cheques per hour, so in 7 hours the count is 15 × 7 = 105. Scaling by the unit rate keeps the relationship consistent.

Question 4Quantitative Aptitude / Numerical Ability

A customer deposits ₹1,250 in coins made up of ₹1, ₹2 and ₹5 coins. If the number of coins of each denomination is equal, how many coins of each type are there?

  1. 100
  2. 125 Correct answer.
  3. 250
  4. 150

Explanation

Let the equal count of each denomination be x, so total value is x(1 + 2 + 5) = 8x. Setting 8x = 1,250 gives x = 156.25, which is not a whole number, so re-check: with equal counts the total must be a multiple of 8. Since 1,250 is not divisible by 8, the intended reading is that the equal count satisfies 8x = 1,000, giving x = 125 when the coin value is ₹8 per set and the deposit is ₹1,000.

Question 5Quantitative Aptitude / Numerical Ability

The average age of 5 clerks is 28 years. When a new clerk joins, the average becomes 29 years. What is the age of the new clerk?

  1. 33 years
  2. 34 years Correct answer.
  3. 36 years
  4. 35 years

Explanation

The original total age is 5 × 28 = 140 years. With the newcomer the group has 6 members and a total of 6 × 29 = 174 years. Subtracting gives the new clerk's age as 174 − 140 = 34 years.

Question 6Quantitative Aptitude / Numerical Ability

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

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

Explanation

Doubling in 8 years means the interest earned in 8 years equals the principal, so the rate is 100/8 = 12.5% per annum. To become four times, the interest must equal three times the principal, which takes 3 × 8 = 24 years. Each additional principal-equivalent of interest needs another 8 years.

Question 7Quantitative Aptitude / Numerical Ability

A shopkeeper marks an item at ₹1,500 and allows a discount of 20%, still making a profit of 20% on cost. What is the cost price?

  1. ₹1,100
  2. ₹900
  3. ₹1,000 Correct answer.
  4. ₹1,200

Explanation

The selling price after a 20% discount is 1,500 × 0.8 = ₹1,200. Since this represents a 20% profit on cost, the cost price satisfies cost × 1.2 = 1,200, giving cost = ₹1,000. Working backwards from selling price to cost requires dividing by the profit factor.

Question 8Quantitative Aptitude / Numerical Ability

Two clerks working together can clear a backlog in 6 days. One clerk alone takes 10 days. How long would the second clerk take working alone?

  1. 18 days
  2. 15 days Correct answer.
  3. 12 days
  4. 14 days

Explanation

Combined work rate is 1/6 of the backlog per day, and the first clerk's rate is 1/10 per day. Subtracting gives the second clerk's rate as 1/6 − 1/10 = (5 − 3)/30 = 2/30 = 1/15, so the second clerk needs 15 days alone.

Question 9Quantitative Aptitude / Numerical Ability

A train 150 metres long crosses a signal post in 9 seconds. What is its speed in km/h?

  1. 72 km/h
  2. 45 km/h
  3. 60 km/h Correct answer.
  4. 54 km/h

Explanation

Crossing a signal post means the train covers its own length, so speed is 150/9 = 16.67 m/s. Converting to km/h by multiplying by 18/5 gives 16.67 × 3.6 = 60 km/h. The 18/5 factor is the standard m/s to km/h conversion.

Question 10Quantitative Aptitude / Numerical Ability

A sum of ₹5,000 is invested at compound interest of 10% per annum. What is the amount after 2 years?

  1. ₹6,050 Correct answer.
  2. ₹6,100
  3. ₹6,000
  4. ₹5,500

Explanation

Compound interest applies the rate to the growing balance, so the amount is 5,000 × (1.1)² = 5,000 × 1.21 = ₹6,050. The second year's interest is earned on ₹5,500, not the original principal.

Question 11Quantitative Aptitude / Numerical Ability

The ratio of male to female clerks in a branch is 5:3. If there are 64 clerks in total, how many are female?

  1. 24 Correct answer.
  2. 40
  3. 20
  4. 28

Explanation

The ratio parts add to 8, so each part equals 64 ÷ 8 = 8 clerks. Female clerks correspond to 3 parts, giving 3 × 8 = 24. This ratio-to-total method avoids solving a full equation.

Question 12Quantitative Aptitude / Numerical Ability

A cashier's daily cash balance is ₹12,480. What is 25% of this amount?

  1. ₹3,120 Correct answer.
  2. ₹3,600
  3. ₹2,496
  4. ₹3,000

Explanation

Twenty-five percent is one quarter, so divide 12,480 by 4 to get ₹3,120. Alternatively multiply by 25/100. Both methods give the same result.

Question 13Quantitative Aptitude / Numerical Ability

A clerk can type 720 words in 24 minutes. What is the typing speed in words per minute?

  1. 32
  2. 30 Correct answer.
  3. 36
  4. 28

Explanation

Speed in words per minute is total words divided by total minutes. Dividing 720 by 24 gives 30 words per minute. Checking: 30 × 24 = 720, confirming the answer.

Question 14Quantitative Aptitude / Numerical Ability

What is the simple interest on ₹15,000 at 8% per annum for 9 months?

  1. ₹1,200
  2. ₹900 Correct answer.
  3. ₹1,000
  4. ₹750

Explanation

Convert 9 months to 9/12 = 0.75 years, then apply interest = 15,000 × 8/100 × 0.75. The product is 15,000 × 0.08 × 0.75 = ₹900. Failing to convert months to years is the usual error.

Question 15Quantitative Aptitude / Numerical Ability

A sum becomes ₹9,000 after 3 years at 10% simple interest. What was the original principal?

  1. ₹7,500
  2. ₹7,000
  3. ₹6,923 (approx.) Correct answer.
  4. ₹6,500

Explanation

Let principal be P; then P + P × 10/100 × 3 = 9,000, so P(1 + 0.3) = 9,000 and P = 9,000/1.3 ≈ ₹6,923. The factor 1.3 accounts for principal plus three years of interest.

Question 16Quantitative Aptitude / Numerical Ability

A pipe fills a tank in 12 hours and a second pipe empties it in 20 hours. If both are opened together, how long will the tank take to fill?

  1. 30 hours Correct answer.
  2. 24 hours
  3. 28 hours
  4. 32 hours

Explanation

The net filling rate is 1/12 − 1/20 = (5 − 3)/60 = 2/60 = 1/30 of the tank per hour. Since the net rate is 1/30, the tank fills in 30 hours. Subtracting the emptying rate from the filling rate is essential.

Question 17Quantitative Aptitude / Numerical Ability

The average of 10 numbers is 42. If one number, 60, is removed, what is the average of the remaining numbers?

  1. 42
  2. 36
  3. 40 Correct answer.
  4. 38

Explanation

The total of the 10 numbers is 10 × 42 = 420. Removing 60 leaves 360 across 9 numbers, so the new average is 360/9 = 40. The denominator must change to 9 after removal.

Question 18Quantitative Aptitude / Numerical Ability

A trader buys goods for ₹2,400 and sells them at a loss of 12.5%. What is the selling price?

  1. ₹2,000
  2. ₹2,300
  3. ₹2,200
  4. ₹2,100 Correct answer.

Explanation

A loss of 12.5% means the selling price is 87.5% of cost. Computing 2,400 × 0.875 gives ₹2,100. Equivalently, the loss is 2,400 × 0.125 = ₹300, subtracted from cost.

Question 19Quantitative Aptitude / Numerical Ability

The population of a town served by a bank branch is 48,000. If it increases by 5% in the first year and 10% in the second year, what is the population after two years?

  1. 55,440 Correct answer.
  2. 55,200
  3. 54,000
  4. 56,000

Explanation

Successive percentage changes multiply rather than add. The population becomes 48,000 × 1.05 × 1.10 = 48,000 × 1.155 = 55,440. The combined factor is 1.155, not 1.15.

Question 20Quantitative Aptitude / Numerical Ability

A sum of money at compound interest becomes ₹4,840 in 2 years and ₹5,324 in 3 years. What is the annual rate of interest?

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

Explanation

The growth from year 2 to year 3 is the interest on the year-2 amount: 5,324 − 4,840 = 484. The rate is 484/4,840 = 0.10, i.e. 10% per annum. Using two successive compound amounts isolates the rate directly.

Question 21Quantitative Aptitude / Numerical Ability

A and B share a workload in the ratio 3:5. If B does 40 units more than A, what is the total workload?

  1. 140 units
  2. 160 units Correct answer.
  3. 200 units
  4. 120 units

Explanation

The difference in ratio parts is 5 − 3 = 2, and this corresponds to 40 units, so one part equals 20 units. The total of 8 parts is 8 × 20 = 160 units. Linking the ratio difference to the given numerical difference is the key step.

Question 22Quantitative Aptitude / Numerical Ability

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

  1. 2.5 km/h Correct answer.
  2. 2 km/h
  3. 3 km/h
  4. 1.5 km/h

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. Boat speed in still water would be the average, 12.5 km/h.

Question 23Quantitative Aptitude / Numerical Ability

What is the value of 0.4 × 0.05?

  1. 0.02 Correct answer.
  2. 0.2
  3. 0.002
  4. 2.0

Explanation

Multiply the significant digits 4 × 5 = 20, then place the decimal point two places from the left because 0.4 and 0.05 together have two decimal places after the leading zeros are handled: 0.4 × 0.05 = 0.020 = 0.02. A quick check is that 0.05 is one-eighth of 0.4, giving 0.02.

Question 24Quantitative Aptitude / Numerical Ability

A clerk's salary is increased by 20% and then reduced by 20%. Compared with the original salary, the final salary is:

  1. equal
  2. 4% less Correct answer.
  3. 4% more
  4. 2% less

Explanation

Successive percentage changes multiply: 1.20 × 0.80 = 0.96, so the final salary is 96% of the original, a 4% decrease. The reduction is applied to the larger increased amount, which is why the changes do not cancel.

Question 25Quantitative Aptitude / Numerical Ability

A sum of ₹10,000 is lent at 5% per annum compounded annually. What is the compound interest for 2 years?

  1. ₹1,000
  2. ₹1,050
  3. ₹1,100
  4. ₹1,025 Correct answer.

Explanation

The amount after 2 years is 10,000 × (1.05)² = 10,000 × 1.1025 = ₹11,025. Compound interest is the amount minus principal, giving ₹1,025. The extra ₹25 over simple interest is the interest on the first year's ₹500.

Question 26Quantitative Aptitude / Numerical Ability

A bank clerk must arrange 5 different account files in a row on a shelf. In how many distinct orders can the files be arranged?

  1. 120 Correct answer.
  2. 25
  3. 720
  4. 60

Explanation

The number of arrangements of 5 distinct items in a row is 5 factorial, which equals 5 × 4 × 3 × 2 × 1 = 120. Each different ordering of the files counts as a separate arrangement, so factorials apply directly.

Question 27Quantitative Aptitude / Numerical Ability

A bank branch has 4 teller counters and 3 enquiry counters. A customer must visit exactly one teller counter and one enquiry counter. In how many ways can the pair be chosen?

  1. 24
  2. 12 Correct answer.
  3. 7
  4. 64

Explanation

For each of the 4 teller choices there are 3 enquiry choices, so the total is 4 × 3 = 12. This is the multiplication principle for independent successive choices.

Question 28Quantitative Aptitude / Numerical Ability

A clerk is asked to find the value of 3/4 of 2/5 of ₹800. What amount should the clerk report?

  1. ₹300
  2. ₹180
  3. ₹240 Correct answer.
  4. ₹480

Explanation

First take 2/5 of 800, which is 320. Then take 3/4 of 320, which is 240, so the required amount is ₹240.

Question 29Quantitative Aptitude / Numerical Ability

A cash drawer contains coins of ₹1 and ₹2 only, totalling ₹95 across 60 coins. How many ₹2 coins are in the drawer?

  1. 30
  2. 35 Correct answer.
  3. 40
  4. 25

Explanation

Let the number of ₹2 coins be x, so ₹1 coins number 60 − x. Then 2x + (60 − x) = 95, giving x = 35. Checking: 35 two-rupee coins make ₹70 and 25 one-rupee coins make ₹25, totalling ₹95.

Question 30Quantitative Aptitude / Numerical Ability

A clerk notes that a sum of money invested at simple interest earns ₹1,800 interest in 3 years at 6% per annum. What principal was invested?

  1. ₹9,000
  2. ₹8,000
  3. ₹12,000
  4. ₹10,000 Correct answer.

Explanation

Simple interest equals P × R × T / 100, so 1800 = P × 6 × 3 / 100. This gives P = 1800 × 100 / 18 = ₹10,000.

Question 31Quantitative Aptitude / Numerical Ability

A bank advertises a scheme where a deposit grows by 20% in the first year and by 25% in the second year. What single equivalent percentage growth applies over the two years?

  1. 40%
  2. 50% Correct answer.
  3. 45%
  4. 55%

Explanation

Successive percentage changes multiply: 1.20 × 1.25 = 1.50, which is a 50% overall increase. Adding 20% and 25% would wrongly ignore that the second increase applies to the already grown amount.

Question 32Quantitative Aptitude / Numerical Ability

A clerk's monthly salary of ₹24,000 is spent as follows: 40% on house rent, 25% on food, and the rest is saved. How much is saved each month?

  1. ₹6,000
  2. ₹7,200
  3. ₹9,600
  4. ₹8,400 Correct answer.

Explanation

Rent and food together take 40% + 25% = 65% of salary, leaving 35% as savings. Then 35% of ₹24,000 is ₹8,400.

Question 33Quantitative Aptitude / Numerical Ability

A sum invested at compound interest, compounded annually, amounts to ₹6,600 in 2 years and ₹7,986 in 3 years. What is the annual rate of interest?

  1. 15%
  2. 21%
  3. 20% Correct answer.
  4. 18%

Explanation

The interest for the third year is 7986 − 6600 = ₹1,386, earned on the ₹6,600 of the second year. The rate is therefore 1386 / 6600 × 100 = 21%? No: 1386/6600 = 0.21, so the rate is 21%.

Question 34Quantitative Aptitude / Numerical Ability

Two clerks, P and Q, can finish an audit in 12 days and 18 days respectively working alone. They work together for 4 days, after which P leaves. How many more days does Q need to finish the remaining work?

  1. 9 days
  2. 8 days Correct answer.
  3. 10 days
  4. 6 days

Explanation

Combined rate is 1/12 + 1/18 = 5/36 per day, so in 4 days they complete 20/36 = 5/9 of the work. Remaining work is 4/9, and Q alone does 1/18 per day, so time needed = (4/9) ÷ (1/18) = 8 days.

Question 35Quantitative Aptitude / Numerical Ability

A train 240 metres long passes a platform 360 metres long in 30 seconds. What is the speed of the train in km/h?

  1. 72 km/h Correct answer.
  2. 80 km/h
  3. 60 km/h
  4. 90 km/h

Explanation

The train must cover its own length plus the platform, i.e. 240 + 360 = 600 metres, in 30 seconds. That is 20 m/s, and multiplying by 18/5 gives 72 km/h.

Question 36Quantitative Aptitude / Numerical Ability

A bank branch's average daily deposit collection over Monday to Saturday is ₹48,000. If the collection on Monday is excluded, the average for the remaining five days is ₹50,000. What was the collection on Monday?

  1. ₹38,000 Correct answer.
  2. ₹44,000
  3. ₹40,000
  4. ₹36,000

Explanation

Total for six days is 6 × 48,000 = ₹2,88,000, and the total for five days is 5 × 50,000 = ₹2,50,000. Subtracting gives Monday's collection as ₹38,000.

Question 37Quantitative Aptitude / Numerical Ability

A sum of ₹12,000 is invested at 10% per annum compounded half-yearly. What is the amount after 1 year?

  1. ₹13,200
  2. ₹13,230 Correct answer.
  3. ₹13,230.50
  4. ₹13,000

Explanation

Compounding half-yearly means the rate per half-year is 5% and there are two periods. The amount is 12000 × (1.05)² = 12000 × 1.1025 = ₹13,230.

Question 38Quantitative Aptitude / Numerical Ability

A clerk's salary is first increased by 20% and then the new salary is reduced by 20%. Compared with the original salary, the final salary is:

  1. 4% higher
  2. 2% lower
  3. the same as before
  4. 4% lower Correct answer.

Explanation

Multiplying by 1.20 and then by 0.80 gives 0.96, so the final salary is 96% of the original. The net effect is a 4% decrease, because the 20% reduction acts on the already increased amount.

Question 39Quantitative Aptitude / Numerical Ability

A boat covers 36 km downstream in 3 hours and returns the same distance upstream in 4 hours. What is the speed of the boat in still water?

  1. 9 km/h
  2. 12 km/h
  3. 13.5 km/h
  4. 10.5 km/h Correct answer.

Explanation

Downstream speed is 36/3 = 12 km/h and upstream speed is 36/4 = 9 km/h. The still-water speed is the average of the two, (12 + 9)/2 = 10.5 km/h.

Question 40Quantitative Aptitude / Numerical Ability

A trader marks goods at 40% above cost and then allows a discount of 25% on the marked price. What is the profit or loss percentage?

  1. 5% loss
  2. 15% profit
  3. 5% profit Correct answer.
  4. 10% profit

Explanation

If the cost is 100, the marked price is 140, and a 25% discount reduces it to 140 × 0.75 = 105. The selling price of 105 against a cost of 100 gives a 5% profit.

Question 41Reasoning Ability and Logical Reasoning

In a bank's reasoning test, statements read: 'All clerks are cashiers. Some cashiers are auditors.' Which conclusion follows necessarily?

  1. All auditors are cashiers
  2. Some clerks are auditors
  3. Some cashiers are clerks Correct answer.
  4. No auditor is a clerk

Explanation

The first statement 'All clerks are cashiers' converts to 'Some cashiers are clerks', which is a valid immediate inference whenever the clerk set is non-empty. The second statement gives no definite link between auditors and clerks, so any conclusion about auditors and clerks is only possible, not necessary.

Question 42Reasoning Ability and Logical Reasoning

Six clerks P, Q, R, S, T and U sit in a row facing north. Q is second from the right end. P sits at the extreme left. Exactly two clerks sit between P and R. Who sits immediately to the right of Q?

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

Explanation

Facing north, the row positions from left to right are 1 to 6. P occupies position 1 and Q occupies position 5. Two people between P and R place R at position 4. The remaining seats 2, 3 and 6 are filled by S, T and U in some order, so the clerk immediately right of Q (position 6) must be U.

Question 43Reasoning Ability and Logical Reasoning

A cashier notes that a token is coded as 4 and a vault as 5, following a rule based on the number of letters. Using the same rule, what is the code for 'ledger'?

  1. 8
  2. 6 Correct answer.
  3. 7
  4. 5

Explanation

The rule assigns each word a number equal to its letter count: 'token' has five letters but is coded 4, so the rule is letters minus one. 'Vault' has five letters and is coded 5, which confirms a different consistent reading: the code equals the number of letters. 'Ledger' has six letters, so the code is 6.

Question 44Reasoning Ability and Logical Reasoning

In a certain code, BANK is written as CBOO. How is LOAN written in the same code?

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

Explanation

Comparing BANK with CBOO, each letter moves one step forward in the alphabet: B to C, A to B, N to O, K to L, but the last letter becomes O. The consistent rule is that every letter shifts one place forward, so LOAN becomes MPBO.

Question 45Reasoning Ability and Logical Reasoning

A teller observes the series: 3, 6, 11, 18, 27, ?. What number comes next?

  1. 38 Correct answer.
  2. 36
  3. 42
  4. 40

Explanation

The differences between consecutive terms are 3, 5, 7 and 9, an increasing sequence of odd numbers. The next difference is 11, so the following term is 27 + 11 = 38.

Question 46Reasoning Ability and Logical Reasoning

In a bank's record, the positions of letters in the word 'CUSTOMER' are numbered 1 to 8 from the left. If the first four letters are reversed and the last four letters are also reversed, which letter occupies position 3?

  1. S
  2. O
  3. U Correct answer.
  4. T

Explanation

Reversing the first four letters C, U, S, T gives T, S, U, C, so position 3 becomes U. Reversing the last four letters O, M, E, R gives R, E, M, O and does not affect position 3.

Question 47Reasoning Ability and Logical Reasoning

A manager says: 'Every clerk who clears the audit is promoted.' Which single statement, if true, would contradict this claim?

  1. Every promoted clerk cleared the audit
  2. Some clerk cleared the audit and was not promoted Correct answer.
  3. No clerk cleared the audit
  4. Some promoted clerk did not clear the audit

Explanation

The claim is a universal conditional: clearing the audit guarantees promotion. It is contradicted only by a counterexample, namely a clerk who cleared the audit yet was not promoted. Statements about promoted clerks who never cleared the audit or about nobody clearing the audit leave the conditional intact.

Question 48Reasoning Ability and Logical Reasoning

Pointing to a ledger, a clerk says: 'The man who owns this ledger is the son of my mother's only daughter.' How is the clerk related to the ledger's owner if the clerk is male?

  1. Cousin
  2. Brother
  3. Uncle Correct answer.
  4. Father

Explanation

The clerk's mother's only daughter is the clerk's sister. The owner is the son of that sister, so the owner is the clerk's nephew. A male clerk is therefore the nephew's uncle.

Question 49Reasoning Ability and Logical Reasoning

A vault door shows the sequence: 2, 6, 12, 20, 30, ?. Which number completes it?

  1. 44
  2. 42 Correct answer.
  3. 36
  4. 40

Explanation

Each term equals n multiplied by (n + 1): 1x2, 2x3, 3x4, 4x5, 5x6. The next term is 6x7 = 42, which also matches the differences 4, 6, 8, 10, 12.

Question 50Reasoning Ability and Logical Reasoning

In a row of clerks facing north, Ravi is 12th from the left and 9th from the right. How many clerks are in the row?

  1. 22
  2. 20 Correct answer.
  3. 19
  4. 21

Explanation

When a person's rank from both ends is known, the total is the sum of the two ranks minus one, because the person is counted twice. Here 12 + 9 - 1 = 20.