Indian Bank LBO cheat sheet

Syllogism: two particular premises never yield a universal conclusion; two negative premises yield no conclusion, and a negative premise forces a negative conclusion.

Ordering puzzles: fix the most constrained entity first, then place relative-position clues (e.g., 'A sits third to the left of B') before absolute ones; circular seating with n persons has n possible rotations, so anchor one person to break symmetry.

Blood relations: draw a tree with vertical parent-child links and horizontal spouse/sibling links; use '+' male and '−' female marks to avoid gender confusion in 'brother of father' chains.

Direction sense: track displacement as (x, y) coordinates; net displacement = √(x² + y²), and final facing = initial facing rotated by each turn (right = clockwise 90°).

Coding-decoding: test positional shifts (letter value ± k), reversal, and letter-pair swaps; alphabet positions A=1 … Z=26 and EJOTY (E=5, J=10, O=15, T=20, Y=25) give fast anchors.

Inequalities: combine only same-direction chains; 'A > B ≥ C' gives A > C but not C > A, and conclusions using 'either-or' apply when two conclusions share the same two subjects with complementary relations.

Series and analogy: check differences, then ratios, then squares/cubes and alternating patterns; number series with two interleaved sequences are common when differences look irregular.

Data sufficiency: a statement is sufficient only if it yields a unique value; if two statements together still allow two answers, mark insufficient.

Percentage change: successive changes of a% and b% give net change = a + b + ab/100; a 20% rise then 20% fall leaves a 4% net decrease.

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

Profit and loss: profit% is computed on cost price unless stated; selling price = CP(1 + p/100), and successive discounts d1, d2 give SP = MP(1 − d1/100)(1 − d2/100).

Time-speed-distance: distance = speed × time; converting km/h to m/s multiply by 5/18; a train of length L crossing a platform of length P takes (L + P)/speed.

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

Time and work: if A alone takes a days and B alone b days, together they take ab/(a + b) days; use LCM of days as total work units for multi-worker problems.

Averages: new average after adding a value = (old sum + value)/(n + 1); if every item rises by k, the average rises by k.

Mixtures and alligation: ratio of quantities = (mean − cheaper)/(dearer − mean); repeated replacement of x litres from V litres leaves V(1 − x/V)^n of the original liquid.

Permutation and probability: nPr = n!/(n − r)!, nCr = nPr/r!; P(A or B) = P(A) + P(B) − P(A and B), and P(not A) = 1 − P(A).

Subject-verb agreement: 'one of the + plural noun' takes a singular verb, while 'a number of' takes plural and 'the number of' takes singular.

Articles: 'a' before consonant sounds, 'an' before vowel sounds; 'the' is used with superlatives, unique entities, and rivers/ranges, but omitted before uncountable nouns in a general sense.

Prepositions of time: 'in' for months/years, 'on' for days/dates, 'at' for clock times; fixed collocations include 'comply with', 'consist of', 'deprive of', 'averse to'.

Tenses: after 'since' or 'for' with a present result, use present perfect ('has worked since 2019'); past perfect marks the earlier of two past actions.

Conditionals: type 1 'If + present, will + base'; type 2 'If + past, would + base'; type 3 'If + past perfect, would have + past participle'.

Error spotting: check pronoun agreement, comparative forms (use 'than' not 'to' after comparatives), and double negatives, which are grammatically incorrect in standard English.

Reading comprehension: main-idea answers must cover the whole passage, not one detail; eliminate options that are true but out of scope or that overstate the author's claim.

Cloze and fillers: choose the option that fits both meaning and collocation; test each candidate in the full sentence to catch register or tense mismatch.

RBI functions: monetary policy, currency issuance (except one-rupee coins and notes, issued by the Government of India), banker to banks and government, and custodian of foreign exchange reserves.

Monetary policy tools: repo rate (RBI lends to banks), reverse repo (RBI absorbs liquidity), CRR (cash reserve ratio, no interest paid), SLR (statutory liquid assets held in approved securities).

Banking regulation: deposits are insured by DICGC up to ₹5 lakh per depositor per bank; the Banking Regulation Act, 1949 governs banking companies, and the RBI Act, 1934 governs the central bank.

Account types: savings accounts carry interest and withdrawal limits, current accounts are for businesses and typically pay no interest, and fixed deposits are term deposits with premature-withdrawal penalties.

Priority sector lending: banks must direct 40% of adjusted net bank credit to priority sectors, including agriculture (18%), micro enterprises, education, housing, and weaker sections.

NPA classification: a loan becomes a non-performing asset when principal or interest is overdue for more than 90 days; substandard, doubtful, and loss assets are further stages.

Negotiable instruments: a cheque is drawn on a bank and payable on demand; a demand draft is prepaid and issued by a bank branch, so it cannot bounce for insufficient funds.

Financial inclusion and payment systems: PMJDY provides basic savings accounts with overdraft facility; UPI, NEFT, RTGS, and IMPS are RBI-regulated retail or real-time payment channels.

Regulators: SEBI regulates securities markets, IRDAI regulates insurance, PFRDA regulates pensions, and NPCI operates UPI, RuPay, and IMPS infrastructure.

Syllogism rule: two particular premises never yield a universal conclusion.

Circular seating: anchor one person to break rotational symmetry before placing others.

Blood relations: use '+' for male and '−' for female when drawing the family tree.

Direction sense: each right turn is a 90° clockwise rotation of the facing direction.

EJOTY anchor: E=5, J=10, O=15, T=20, Y=25 for fast letter-position recall.

Inequality chain: 'A > B ≥ C' implies A > C but never C > A.

Data sufficiency: a statement counts only if it yields a unique value.

Net successive change of a% and b% equals a + b + ab/100.

CI − SI over two years equals P(R/100)².

km/h to m/s conversion: multiply by 5/18.

Train crossing a platform: time = (train length + platform length)/speed.

Boat speed = (downstream + upstream)/2; stream speed = (downstream − upstream)/2.

Two workers alone in a and b days finish together in ab/(a + b) days.

Alligation ratio = (mean − cheaper)/(dearer − mean).

Repeated replacement leaves V(1 − x/V)^n of the original liquid.

'One of the' takes a singular verb; 'a number of' takes plural.

'An' precedes vowel sounds; 'a' precedes consonant sounds.

Use 'in' for months, 'on' for dates, 'at' for clock times.

After 'since' with a present result, use present perfect tense.

Type 3 conditional: If + past perfect, would have + past participle.

Comparatives take 'than', never 'to'.

Double negatives are incorrect in standard English.

Reading comprehension: reject options that are true but out of scope.

One-rupee coins and notes are issued by the Government of India, not RBI.

Repo rate is the rate at which RBI lends short-term funds to banks.

CRR balances earn no interest for the bank.

DICGC insures deposits up to ₹5 lakh per depositor per bank.

An account becomes an NPA when dues are overdue more than 90 days.

Priority sector target is 40% of adjusted net bank credit, with 18% for agriculture.

A demand draft is prepaid by the purchaser, so it cannot bounce.

NPCI operates UPI, RuPay, and IMPS.