Indian Bank LBO flashcards

32 cards. Read the term and the definition here. The deck at the top of this page is optional.

Syllogism particular premises

Two particular premises (statements beginning with 'some') can never produce a universal conclusion such as 'all A are B'. The conclusion must also be particular, and two negative premises yield no conclusion at all.

Circular seating arrangement

In circular seating, fix one person's position first to remove rotational symmetry, then apply left/right clues. Facing centre means left is clockwise; facing outward reverses the left-right direction.

Blood relation tree notation

Draw generations as vertical levels with parent-child lines and spouse or sibling links as horizontal lines. Mark each person '+' for male and '−' for female so gender-dependent terms like 'brother of' resolve correctly.

Direction sense coordinates

Treat each move as an (x, y) displacement and each right turn as a 90° clockwise rotation. Net displacement from the start equals the square root of x squared plus y squared.

EJOTY letter positions

EJOTY encodes E=5, J=10, O=15, T=20, Y=25. These anchors let you compute any alphabet position quickly in coding-decoding and series questions without reciting the full alphabet.

Inequality chain conclusion

Only same-direction relations combine: from A > B ≥ C you may conclude A > C. You cannot reverse the chain, and 'either-or' conclusions apply when two options share subjects with complementary relations.

Data sufficiency uniqueness test

A statement is sufficient only when it produces exactly one possible value. If the statements, alone or combined, still permit two or more answers, the data is insufficient.

Number series pattern order

Check differences first, then ratios, then squares, cubes and alternating or interleaved sequences. Two interleaved series often explain irregular gaps in odd and even positions.

Successive percentage change formula

Two successive changes of a% and b% give a net change of a + b + ab/100. A 20% increase followed by a 20% decrease therefore leaves a net 4% decrease, not zero.

Compound minus simple interest

For two years, compound interest minus simple interest equals P times (R/100) squared. This shortcut solves most two-year CI-SI difference questions without computing either interest fully.

Speed unit conversion

To convert kilometres per hour to metres per second, multiply by 5/18. To go from metres per second back to kilometres per hour, multiply by 18/5.

Train crossing platform time

A train of length L crossing a platform of length P at speed v takes (L + P)/v. Crossing a pole or a standing person takes only L/v, since the platform length is zero.

Boats and streams formulas

Downstream speed equals boat plus stream; upstream equals boat minus stream. Boat speed is the average of downstream and upstream, and stream speed is half their difference.

Two-worker time and work

If A alone finishes in a days and B alone in b days, together they finish in ab/(a + b) days. Using the LCM of the days as total work units simplifies three-worker problems.

Alligation ratio rule

When mixing a cheaper and a dearer item to reach a mean price, the quantity ratio is (mean − cheaper) divided by (dearer − mean). The same rule applies to mixtures and solutions.

Repeated replacement in mixtures

Removing x litres from V litres of liquid and refilling with water, repeated n times, leaves V times (1 − x/V) to the power n litres of the original liquid.

Profit percentage base

Profit percent is calculated on cost price unless the question states otherwise. Selling price equals cost price times (1 + profit/100), and successive discounts apply to the marked price, not the cost.

Subject-verb agreement traps

'One of the' plus a plural noun takes a singular verb, 'a number of' takes a plural verb, and 'the number of' takes a singular verb. These constructions are frequent error-spotting targets.

Article usage rules

Use 'a' before consonant sounds and 'an' before vowel sounds, judged by pronunciation, not spelling. Use 'the' with superlatives, unique entities, rivers and mountain ranges.

Prepositions of time

Use 'in' with months, years and seasons, 'on' with days and dates, and 'at' with clock times. Fixed collocations such as 'comply with' and 'deprive of' must be memorised.

Present perfect with since

When an action began in the past and continues to a present result, use present perfect: 'has worked here since 2019'. Past perfect marks the earlier of two past actions.

Third conditional structure

The third conditional describes an unreal past: 'If' plus past perfect in the condition, and 'would have' plus past participle in the result. It never uses 'will' or 'would' in the if-clause.

Reading comprehension main idea

The main-idea answer must cover the whole passage rather than a single detail. Eliminate options that are factually true but out of scope, or that exaggerate the author's actual claim.

Comparative and double negative errors

Comparatives take 'than', never 'to', so 'superior than' is wrong. Standard English also rejects double negatives such as 'did not do nothing', which reverse the intended meaning.

Cloze test selection method

Insert each candidate option into the full sentence and check meaning, tense and collocation together. The correct choice must fit the surrounding grammar as well as the overall passage theme.

RBI currency issuance role

The RBI issues all currency notes except one-rupee notes, and the Government of India issues one-rupee coins and notes. The RBI acts as banker to banks and to the government.

Repo and reverse repo rates

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

CRR versus SLR

CRR is the share of net demand and time liabilities held as cash with the RBI and earns no interest. SLR is held in approved liquid assets such as government securities.

DICGC deposit insurance cover

The DICGC insures deposits up to five lakh rupees per depositor per bank, covering savings, current, fixed and recurring deposits. The cover applies per bank, not per branch.

NPA 90-day rule

A loan becomes a non-performing asset when principal or interest is overdue for more than 90 days. It is then classified as substandard, doubtful or loss based on recovery prospects.

Priority sector lending targets

Banks must lend 40% of adjusted net bank credit to priority sectors, with 18% for agriculture. Micro enterprises, education, housing and weaker sections also fall within priority sector.

Cheque versus demand draft

A cheque is drawn on a bank and payable on demand, so it can bounce for insufficient funds. A demand draft is prepaid by the purchaser and issued by the bank, so it cannot bounce.