IBPS RRB Treasury Manager cheat sheet

Syllogism: 'All A are B' + 'All B are C' → 'All A are C' (valid); 'Some A are B' + 'All B are C' → 'Some A are C' (valid); 'No A is B' + 'All B are C' → 'No A is C' (valid).

Blood relations: draw a family tree with vertical lines for generations and horizontal lines for siblings/spouses; use '+' for male and '−' for female to avoid gender confusion.

Direction sense: assign North=+y, East=+x; a left turn is +90° (counter-clockwise), a right turn is −90°; final displacement = √(x²+y²).

Coding-decoding: check letter-position shifts (A=1 … Z=26); if the shift is constant, apply the same shift to decode; if alternating, check odd/even positions separately.

Seating arrangement: for a circle facing the centre, 'left' means clockwise and 'right' means anti-clockwise; reverse this when facing outward.

Inequality: 'A > B ≥ C' gives A > C and B ≥ C; combining a strict and a non-strict inequality in the same direction preserves the strict sign.

Data sufficiency: a statement is sufficient only if it yields a unique value; two statements that each give a different unique value make the data inconsistent, not sufficient.

Puzzle/ranking: for 'A is 5th from the left and 8th from the right', total = 5 + 8 − 1 = 12; for 'A is 5th from the left and B is 8th from the right with 3 between them', total = 5 + 8 + 3 = 16.

Simple interest: SI = P × R × T / 100; the amount A = P(1 + RT/100).

Compound interest: A = P(1 + R/100)^T; CI = A − P; for half-yearly compounding use R/2 and 2T.

Profit and loss: profit% = (SP − CP)/CP × 100; if two articles are sold at the same price with +x% and −x% profit/loss, the net loss is x²/100 %.

Time, speed and distance: distance = speed × time; for a train crossing a platform, total distance = train length + platform length.

Boats and streams: downstream speed = u + v, upstream speed = u − v, where u is boat speed in still water and v is stream speed.

Averages: new average after adding a value = (old sum + value)/(old count + 1); if each item is increased by k, the average increases by k.

Permutation and combination: nPr = n!/(n−r)!; nCr = n!/[r!(n−r)!]; for 'at least one' use 1 − P(none).

Data interpretation: percentage change = (new − old)/old × 100; ratio comparison across years must use the same base year to avoid distortion.

Subject-verb agreement: a singular subject takes a singular verb; 'one of the + plural noun' takes a singular verb (e.g., 'One of the boys is present').

Articles: 'a' before consonant sounds, 'an' before vowel sounds (an hour, a university); 'the' for specific or previously mentioned nouns.

Prepositions: 'since' is used with a point of time, 'for' with a duration; 'between' for two, 'among' for more than two.

Tenses: present perfect (has/have + past participle) is used for an action completed in the recent past with present relevance; simple past is used with a definite past time marker.

Error spotting: check parallelism in lists joined by 'and/or/but'; all items must share the same grammatical form.

Cloze test: read the whole passage first; the correct option must fit both the grammar and the meaning of the surrounding sentence.

Hindi grammar: संधि - स्वर संधि (अ + आ = आ), व्यंजन संधि, विसर्ग संधि; समास - तत्पुरुष में उत्तर पद प्रधान होता है।

Hindi vocabulary: पर्यायवाची (synonyms), विलोम (antonyms), अनेकार्थी शब्द (words with multiple meanings); मुहावरे का अर्थ वाक्य में प्रयोग से स्पष्ट होता है।

RBI monetary policy tools: repo rate (lending to banks), reverse repo (absorbing liquidity), CRR (cash reserve ratio), SLR (statutory liquidity ratio), and OMO (open market operations).

Treasury bills are zero-coupon money-market instruments issued by the Government of India at a discount; they mature in 91, 182, or 364 days.

Bond price and yield move inversely: when market interest rates rise, the price of an existing fixed-coupon bond falls.

Call money market: overnight borrowing/lending between banks; the call rate is a key indicator of short-term liquidity.

Basel III: minimum CET1 capital 4.5%, Tier 1 capital 6%, total capital 8%, plus capital conservation buffer of 2.5%.

Nostro, Vostro and Loro accounts: Nostro = our account with a foreign bank; Vostro = a foreign bank's account with us; Loro = a third-party account.

SEBI regulates the securities market; IRDAI regulates insurance; PFRDA regulates pensions; RBI regulates banks and payment systems.

Forex: a forward contract locks in an exchange rate for a future date; a futures contract is exchange-traded and standardised, while a forward is OTC and customisable.