IBPS RRB CA Officer Scale II cheat sheet

CRR is the cash reserve banks keep with RBI as a share of NDTL; SLR is held in approved assets such as government securities; both are statutory ratios under the RBI Act and Banking Regulation Act.

Priority sector lending target for domestic scheduled commercial banks is 40% of ANBC or credit equivalent of off-balance-sheet exposure, whichever is higher; foreign banks with 20 or more branches follow the same 40%.

Base Rate is the minimum lending rate below which a bank may not lend, except to specified exempt categories such as its own employees and against own deposits; MCLR replaced Base Rate for new floating-rate loans from April 2016.

NPA classification: a loan becomes a substandard asset after 90 days of overdue interest or principal; doubtful if substandard for 12 months; loss asset when identified as uncollectible by the bank or auditors.

Provisioning norms: standard assets generally 0.40% for commercial real estate and 0.25% for other standard assets; substandard secured 15%, unsecured substandard 25%, doubtful and loss assets attract higher rates.

CAR under Basel III is 9% for Indian banks plus a capital conservation buffer of 2.5%, giving 11.5% total; CET1 minimum is 5.5% plus the buffer, Tier 1 minimum is 7% plus the buffer.

Section 45 of the RBI Act empowers RBI to regulate banking business; Section 42 governs CRR; Section 24 of the Banking Regulation Act governs SLR; SARFAESI Act 2002 allows enforcement of security without court intervention.

Ind AS 109 requires expected credit loss (ECL) provisioning across three stages: Stage 1 loans with no significant increase in credit risk carry 12-month ECL; Stage 2 and 3 carry lifetime ECL.

Negotiable Instruments Act 1881: a cheque is payable on demand; dishonour for insufficient funds triggers Section 138 with a 30-day notice and a 15-day payment window before prosecution.

Syllogism: 'All A are B' converts to 'Some B are A'; 'No A is B' converts to 'No B is A'; 'Some A are B' converts to 'Some B are A'; universal affirmatives do not convert universally.

Blood relations: always draw a tree with generations on separate horizontal levels; vertical line for parent-child, horizontal line for siblings and spouses, to avoid gender confusion.

Seating arrangement: for a circle with all facing centre, a person's left is clockwise and right is anticlockwise; reverse the rule when facing outward.

Coding-decoding: check position shifts (plus or minus k), reversal, opposite-letter pairs (A-Z, B-Y) and consonant-vowel transformations before assuming letter substitution.

Direction sense: use a coordinate grid; net displacement equals the square root of the sum of squared net east-west and net north-south movements; left and right turns depend on current facing direction.

Inequality: 'A > B >= C' gives A > C; combining a strict and non-strict inequality keeps the strict sign; 'either-or' conclusion arises when two conclusions are individually insufficient but jointly exhaustive.

Input-output and machine rearrangement: identify the stable sorting rule (ascending numbers, alphabetical words, or alternating) by comparing successive steps, then apply the rule to the final step asked.

Puzzles: fix the most constrained entity first (fixed position or definite pair), then eliminate; record negative information explicitly rather than holding it mentally.

Simple interest: SI = P x R x T / 100; compound interest: CI = P[(1 + R/100)^T - 1]; for 2 years the CI minus SI difference equals P(R/100)^2.

Profit and loss: profit% is always on cost price unless stated; successive discounts of a% and b% equal a + b - ab/100; marked price times (1 - discount%) equals selling price.

Speed: distance = speed x time; converting km/h to m/s multiply by 5/18; for a train crossing a platform, total distance equals train length plus platform length.

Time and work: if A finishes in x days and B in y days, together they take xy/(x + y) days; use LCM of days as total work units to avoid fractions.

Boats and streams: downstream speed = boat + stream, upstream = boat - stream; boat speed = (down + up)/2, stream speed = (down - up)/2.

Mixtures and alligation: ratio of quantities equals the inverse ratio of deviations from the mean; replacement formula gives final pure quantity = initial x (1 - replaced/total)^n.

Permutation and combination: nPr = n!/(n-r)!; nCr = n!/[r!(n-r)!]; probability equals favourable outcomes divided by total outcomes, with 0 <= P <= 1.

Mensuration: area of circle = pi r^2, circumference = 2 pi r; volume of cylinder = pi r^2 h; volume of sphere = (4/3) pi r^3; curved surface of cone = pi r l.

Data interpretation: compute percentage change as (new - old)/old x 100; approximate ratios to two decimals before matching options to save time.

Subject-verb agreement: singular subjects take singular verbs; 'one of the + plural noun' takes a singular verb; 'each', 'every' and 'either' are singular.

Articles: 'a' before consonant sounds, 'an' before vowel sounds; 'the' with superlatives, unique entities and rivers or mountain ranges; zero article with abstract nouns used generally.

Tenses: present perfect (has/have + past participle) for past actions with present relevance; past perfect for the earlier of two past actions; future perfect for completion before a future point.

Prepositions: 'since' with a point of time, 'for' with a duration; 'between' for two, 'among' for more than two; 'discuss' and 'reach' take no preposition.

Error spotting: check parallelism in lists, misplaced modifiers, redundancy (for example 'return back'), and double comparatives such as 'more better'.

Cloze test: read the whole passage first, then choose the option that fits both grammar and context; elimination by part of speech narrows options quickly.

Reading comprehension: answers must be supported by the passage, not by general knowledge; inference questions require the closest logical extension of stated facts.

Hindi grammar: संधि, समास, उपसर्ग-प्रत्यय, तत्सम-तद्भव शब्द, पर्यायवाची, विलोम and मुहावरे are standard question areas; मुहावरे are answered by their idiomatic meaning, not literal meaning.

Hindi वाक्य शुद्धि: check लिंग, वचन, कारक चिह्न and क्रिया-विशेषण agreement; अशुद्ध वाक्यों में प्रायः विराम चिह्न, पुनरुक्ति और अनुपयुक्त सर्वनाम पर ध्यान दें।