IDBI Assistant Manager cheat sheet

Syllogism: apply the 'possibility' rule - a conclusion is valid only if it holds in every Venn arrangement consistent with the premises; 'some not' conclusions invert the usual some/all chains.

Blood relations: draw a family tree with gender-marked nodes and generation rows; solve from the deepest stated relation upward rather than re-reading the passage each time.

Seating arrangement: fix the linear/circular frame from the most restrictive clue first (fixed position, immediate neighbour pair), then place remaining people by elimination.

Coding-decoding: test letter-position shifts (+n/-n), reversal, and opposite-letter (A=1, Z=26 sum 27) patterns before assuming word-level substitution.

Series completion: check first and second differences; if differences alternate, test two interleaved series at odd and even positions.

Direction sense: track net displacement as vectors; final distance = sqrt(x^2 + y^2) and final facing is the last turn applied to the starting heading.

Data sufficiency: evaluate each statement independently against the question; answer 'either alone sufficient' only when both give the same unique value.

Inequality chains: A > B ≥ C < D gives A > C and C < D but no fixed order between B and D - never infer a relation the chain does not force.

Simple interest = P × R × T / 100; compound interest = P[(1 + R/100)^T − 1], and CI − SI for 2 years = P(R/100)^2.

Profit and loss: successive discounts of a% and b% equal a single discount of a + b − ab/100 percent.

Time-speed-distance: convert km/h to m/s by multiplying by 5/18; relative speed adds for opposite directions and subtracts for same direction.

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

Work: if A finishes in x days and B in y days, together they take xy/(x + y) days; efficiency is inversely proportional to time.

Mixtures: replacement formula - final pure quantity = initial × (1 − replaced/total)^n after n identical replacements.

Permutation vs combination: arrangements use nPr = n!/(n−r)!; selections use nCr = n!/[r!(n−r)!]; circular arrangements of n distinct items = (n−1)!.

Data interpretation: compute percentage change as (new − old)/old × 100 and always check whether the question asks for absolute difference or percentage difference.

Averages: if every value is increased by k, the mean rises by k; if every value is multiplied by k, the mean is multiplied by k.

Subject-verb agreement: 'one of the + plural noun' takes a singular verb; 'each, every, either, neither' as subject qualifiers take singular verbs.

Error spotting: check the standard order adjective–noun, and confirm that comparative forms use 'than' while superlatives take 'of/in' phrases.

Cloze and fill-in-the-blank: use the surrounding connector (although, therefore, moreover) to fix the logical direction before choosing vocabulary.

Reading comprehension: main-idea answers must cover the whole passage; options that are true but narrow are distractors.

Para jumbles: open with a sentence containing a full noun phrase and no pronoun reference; pronouns (it, they, this) and connectors anchor later sentences.

Idioms appear literally wrong: 'to bite the bullet' means to endure a painful situation, not to act rashly.

Active to passive: the object becomes subject, verb becomes be + past participle, and the agent is introduced by 'by'.

Sentence improvement: prefer the option that removes redundancy (e.g., 'return back', 'discuss about') without changing meaning.

RBI was established on 1 April 1935 under the RBI Act, 1934, and was nationalised on 1 January 1949.

Repo rate is the rate at which RBI lends short-term funds to banks against government securities; reverse repo is the rate at which RBI absorbs liquidity.

CRR is the share of net demand and time liabilities kept as cash with RBI; SLR is held in approved securities including government bonds.

Bank nationalisation occurred in 1969 (14 banks) and 1980 (6 banks); Regional Rural Banks were created in 1975 on the Narasimham Working Group recommendation.

Priority sector lending target is 40% of adjusted net bank credit for domestic scheduled commercial banks, with 18% for agriculture.

Deposit insurance by DICGC covers up to ₹5 lakh per depositor per bank.

NEFT, RTGS, and IMPS are operated by RBI/NPCI; RTGS is for high-value real-time settlement with no upper limit, NEFT settles in batches.

Basel III capital norms require minimum Common Equity Tier 1 of 5.5% and total capital adequacy of 9% under RBI norms, higher than Basel minimums.

Money market instruments include Treasury Bills, commercial paper, and certificates of deposit; the call money market is overnight interbank lending.

Accounting equation: Assets = Liabilities + Capital; every transaction preserves this balance under double-entry bookkeeping.

Debit increases assets and expenses, decreases liabilities and income; credit does the reverse - record the effect on two accounts for each entry.

Depreciation methods: straight line = (Cost − Salvage)/Useful life per year; written-down value applies a fixed percentage to the opening book value.

Bank reconciliation statement explains the gap between cash book and pass book balances: cheques issued but not presented, deposits in transit, bank charges, and interest credited.

NPA classification: substandard after 90 days overdue, doubtful after 12 months as substandard, and loss assets when identified as uncollectible.

Capital adequacy ratio = (Tier 1 + Tier 2 capital)/risk-weighted assets; risk weights differ by asset class (e.g., 0% for cash, higher for unsecured loans).

Current ratio = current assets/current liabilities; quick ratio excludes inventory and prepaid expenses from current assets.

A balance sheet is a position statement at a date, while a profit and loss account reports flows over a period; cash flow statement splits into operating, investing, and financing activities.

NIM = (interest income − interest expense)/average earning assets; a rising NIM signals improved lending spread, not necessarily higher profit.

Syllogism: apply the 'possibility' rule - a conclusion is valid only if it holds in every Venn arrangement consistent with the premises; 'some not' conclusions invert the usual some/all chains.

Blood relations: draw a family tree with gender-marked nodes and generation rows; solve from the deepest stated relation upward rather than re-reading the passage each time.

Seating arrangement: fix the linear/circular frame from the most restrictive clue first (fixed position, immediate neighbour pair), then place remaining people by elimination.

Coding-decoding: test letter-position shifts (+n/-n), reversal, and opposite-letter (A=1, Z=26 sum 27) patterns before assuming word-level substitution.

Series completion: check first and second differences; if differences alternate, test two interleaved series at odd and even positions.

Direction sense: track net displacement as vectors; final distance = sqrt(x^2 + y^2) and final facing is the last turn applied to the starting heading.

Data sufficiency: evaluate each statement independently against the question; answer 'either alone sufficient' only when both give the same unique value.

Inequality chains: A > B ≥ C < D gives A > C and C < D but no fixed order between B and D - never infer a relation the chain does not force.

Simple interest = P × R × T / 100; compound interest = P[(1 + R/100)^T − 1], and CI − SI for 2 years = P(R/100)^2.

Profit and loss: successive discounts of a% and b% equal a single discount of a + b − ab/100 percent.

Time-speed-distance: convert km/h to m/s by multiplying by 5/18; relative speed adds for opposite directions and subtracts for same direction.

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

Work: if A finishes in x days and B in y days, together they take xy/(x + y) days; efficiency is inversely proportional to time.

Mixtures: replacement formula - final pure quantity = initial × (1 − replaced/total)^n after n identical replacements.

Permutation vs combination: arrangements use nPr = n!/(n−r)!; selections use nCr = n!/[r!(n−r)!]; circular arrangements of n distinct items = (n−1)!.

Data interpretation: compute percentage change as (new − old)/old × 100 and always check whether the question asks for absolute difference or percentage difference.

Averages: if every value is increased by k, the mean rises by k; if every value is multiplied by k, the mean is multiplied by k.

Subject-verb agreement: 'one of the + plural noun' takes a singular verb; 'each, every, either, neither' as subject qualifiers take singular verbs.

Error spotting: check the standard order adjective–noun, and confirm that comparative forms use 'than' while superlatives take 'of/in' phrases.

Cloze and fill-in-the-blank: use the surrounding connector (although, therefore, moreover) to fix the logical direction before choosing vocabulary.

Reading comprehension: main-idea answers must cover the whole passage; options that are true but narrow are distractors.

Para jumbles: open with a sentence containing a full noun phrase and no pronoun reference; pronouns (it, they, this) and connectors anchor later sentences.

Idioms appear literally wrong: 'to bite the bullet' means to endure a painful situation, not to act rashly.

Active to passive: the object becomes subject, verb becomes be + past participle, and the agent is introduced by 'by'.

Sentence improvement: prefer the option that removes redundancy (e.g., 'return back', 'discuss about') without changing meaning.

RBI was established on 1 April 1935 under the RBI Act, 1934, and was nationalised on 1 January 1949.

Repo rate is the rate at which RBI lends short-term funds to banks against government securities; reverse repo is the rate at which RBI absorbs liquidity.

CRR is the share of net demand and time liabilities kept as cash with RBI; SLR is held in approved securities including government bonds.

Bank nationalisation occurred in 1969 (14 banks) and 1980 (6 banks); Regional Rural Banks were created in 1975 on the Narasimham Working Group recommendation.

Priority sector lending target is 40% of adjusted net bank credit for domestic scheduled commercial banks, with 18% for agriculture.

Deposit insurance by DICGC covers up to ₹5 lakh per depositor per bank.

NEFT, RTGS, and IMPS are operated by RBI/NPCI; RTGS is for high-value real-time settlement with no upper limit, NEFT settles in batches.

Basel III capital norms require minimum Common Equity Tier 1 of 5.5% and total capital adequacy of 9% under RBI norms, higher than Basel minimums.

Money market instruments include Treasury Bills, commercial paper, and certificates of deposit; the call money market is overnight interbank lending.

Accounting equation: Assets = Liabilities + Capital; every transaction preserves this balance under double-entry bookkeeping.

Debit increases assets and expenses, decreases liabilities and income; credit does the reverse - record the effect on two accounts for each entry.

Depreciation methods: straight line = (Cost − Salvage)/Useful life per year; written-down value applies a fixed percentage to the opening book value.

Bank reconciliation statement explains the gap between cash book and pass book balances: cheques issued but not presented, deposits in transit, bank charges, and interest credited.

NPA classification: substandard after 90 days overdue, doubtful after 12 months as substandard, and loss assets when identified as uncollectible.

Capital adequacy ratio = (Tier 1 + Tier 2 capital)/risk-weighted assets; risk weights differ by asset class (e.g., 0% for cash, higher for unsecured loans).

Current ratio = current assets/current liabilities; quick ratio excludes inventory and prepaid expenses from current assets.

A balance sheet is a position statement at a date, while a profit and loss account reports flows over a period; cash flow statement splits into operating, investing, and financing activities.

NIM = (interest income − interest expense)/average earning assets; a rising NIM signals improved lending spread, not necessarily higher profit.