Karnataka Bank Clerk cheat sheet

Syllogism: with two premises sharing a middle term, a conclusion follows only if it holds in every Venn diagram satisfying both premises; "some A are B" does not imply "some B are not A".

Blood relations: draw a family tree with vertical links for generations and horizontal links for siblings/spouses; a question asking "how is X related to Y" requires the gender of X to be fixed, otherwise answer "cannot be determined".

Direction sense: use a coordinate grid. Facing north, a right turn is east, a left turn is west; net displacement equals the vector sum, and shortest distance equals the square root of the sum of squared net north-south and east-west components.

Coding-decoding: check letter positions (A=1 ... Z=26) for shifts, reversals (A=26 ... Z=1), or alternating patterns; a constant shift of +3 turns CAT into FDW.

Seating arrangement: for a circle, fix one person and treat clockwise/anticlockwise as mirror images; for a row, count positions from both ends using total = left rank + right rank - 1.

Series (number/letter): test differences, then ratios, then alternating sub-series; for letter series convert to numbers first, since gaps often follow primes or squares.

Inequality: in "A > B >= C", the valid combined statement is A > C, because the strict sign dominates; a conclusion with "=" is false unless equality is explicitly allowed in the chain.

Order and ranking: if A is 7th from the left and 12th from the right, total = 7 + 12 - 1 = 18; when two people swap places, the change in rank gives the row length.

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

Simple vs compound interest: SI = PRT/100; CI amount = P(1 + R/100)^T; for 2 years the CI-SI difference equals P*(R/100)^2.

Profit and loss: profit% is calculated on cost price unless stated otherwise; selling two items at the same price with equal gain% and loss% always yields a net loss of (x/10)^2 percent.

Time-speed-distance: distance = speed * time; converting km/h to m/s multiplies by 5/18; for a train crossing a platform, total distance = train length + platform length.

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; using work rates (1/a + 1/b) avoids unit errors.

Averages and mixtures: new average after adding a value = (old sum + value)/(n+1); alligation gives the ratio of quantities as the cross-difference of the two prices around the mean.

Permutation and combination: arrangements use nPr = n!/(n-r)!; selections use nCr = n!/(r!(n-r)!); the number of handshakes among n people is n(n-1)/2.

Data interpretation: compute the required percentage as (part/whole)*100 and verify the base year before comparing growth, since percentage growth must be measured against the earlier value.

Subject-verb agreement: a singular subject takes a singular verb; phrases between subject and verb ("along with", "as well as") do not change the verb number.

Tenses: "since" and "for" with a present perfect or present perfect continuous tense ("has worked here since 2019"); "yesterday" forces simple past.

Articles: "a" before consonant sounds, "an" before vowel sounds (an hour, a university); "the" for unique or already-specified nouns.

Prepositions: fixed collocations such as "comply with", "consist of", "capable of", "deprived of", "superior to", and "married to" must be memorised as units.

Error spotting: check parallelism after "and" or "or" (both clauses must share the same grammatical form), and check pronoun reference for number and case.

Cloze and fill-in-the-blank: read the whole passage first to fix the tense and tone, then test each option for collocation, not just meaning.

Reading comprehension: locate the answer sentence in the passage; options that are true in general but not stated in the passage are wrong.

Synonyms and antonyms: use the word in a sentence to fix its sense, because many words ("bank", "fine", "issue") change meaning with context.

RBI is India's central bank, established in 1935 and nationalised in 1949; it sets the repo rate, conducts monetary policy, and issues currency notes except the one-rupee note, which is issued by the Government of India.

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

CRR is the share of net demand and time liabilities banks keep with RBI; SLR is the share held in approved securities such as government bonds.

Scheduled banks are those included in the Second Schedule of the RBI Act, 1934; cooperative banks are regulated jointly by RBI and their respective state registrar.

Deposit insurance under DICGC covers up to Rs 5 lakh per depositor per bank, covering principal plus interest.

Priority sector lending target for domestic scheduled commercial banks is 40% of adjusted net bank credit, with sub-targets for agriculture, micro enterprises, and weaker sections.

NEFT settles in batches, RTGS is for high-value real-time transfers with a minimum of Rs 2 lakh, and UPI is run by NPCI.

KYC norms require customer identity and address verification; PMLA and the RBI Master Direction on KYC govern reporting of suspicious and cash transactions.

Syllogism: with two premises sharing a middle term, a conclusion follows only if it holds in every Venn diagram satisfying both premises; "some A are B" does not imply "some B are not A".

Blood relations: draw a family tree with vertical links for generations and horizontal links for siblings/spouses; a question asking "how is X related to Y" requires the gender of X to be fixed, otherwise answer "cannot be determined".

Direction sense: use a coordinate grid. Facing north, a right turn is east, a left turn is west; net displacement equals the vector sum, and shortest distance equals the square root of the sum of squared net north-south and east-west components.

Coding-decoding: check letter positions (A=1 ... Z=26) for shifts, reversals (A=26 ... Z=1), or alternating patterns; a constant shift of +3 turns CAT into FDW.

Seating arrangement: for a circle, fix one person and treat clockwise/anticlockwise as mirror images; for a row, count positions from both ends using total = left rank + right rank - 1.

Series (number/letter): test differences, then ratios, then alternating sub-series; for letter series convert to numbers first, since gaps often follow primes or squares.

Inequality: in "A > B >= C", the valid combined statement is A > C, because the strict sign dominates; a conclusion with "=" is false unless equality is explicitly allowed in the chain.

Order and ranking: if A is 7th from the left and 12th from the right, total = 7 + 12 - 1 = 18; when two people swap places, the change in rank gives the row length.

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

Simple vs compound interest: SI = PRT/100; CI amount = P(1 + R/100)^T; for 2 years the CI-SI difference equals P*(R/100)^2.

Profit and loss: profit% is calculated on cost price unless stated otherwise; selling two items at the same price with equal gain% and loss% always yields a net loss of (x/10)^2 percent.

Time-speed-distance: distance = speed * time; converting km/h to m/s multiplies by 5/18; for a train crossing a platform, total distance = train length + platform length.

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; using work rates (1/a + 1/b) avoids unit errors.

Averages and mixtures: new average after adding a value = (old sum + value)/(n+1); alligation gives the ratio of quantities as the cross-difference of the two prices around the mean.

Permutation and combination: arrangements use nPr = n!/(n-r)!; selections use nCr = n!/(r!(n-r)!); the number of handshakes among n people is n(n-1)/2.

Data interpretation: compute the required percentage as (part/whole)*100 and verify the base year before comparing growth, since percentage growth must be measured against the earlier value.

Subject-verb agreement: a singular subject takes a singular verb; phrases between subject and verb ("along with", "as well as") do not change the verb number.

Tenses: "since" and "for" with a present perfect or present perfect continuous tense ("has worked here since 2019"); "yesterday" forces simple past.

Articles: "a" before consonant sounds, "an" before vowel sounds (an hour, a university); "the" for unique or already-specified nouns.

Prepositions: fixed collocations such as "comply with", "consist of", "capable of", "deprived of", "superior to", and "married to" must be memorised as units.

Error spotting: check parallelism after "and" or "or" (both clauses must share the same grammatical form), and check pronoun reference for number and case.

Cloze and fill-in-the-blank: read the whole passage first to fix the tense and tone, then test each option for collocation, not just meaning.

Reading comprehension: locate the answer sentence in the passage; options that are true in general but not stated in the passage are wrong.

Synonyms and antonyms: use the word in a sentence to fix its sense, because many words ("bank", "fine", "issue") change meaning with context.

RBI is India's central bank, established in 1935 and nationalised in 1949; it sets the repo rate, conducts monetary policy, and issues currency notes except the one-rupee note, which is issued by the Government of India.

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

CRR is the share of net demand and time liabilities banks keep with RBI; SLR is the share held in approved securities such as government bonds.

Scheduled banks are those included in the Second Schedule of the RBI Act, 1934; cooperative banks are regulated jointly by RBI and their respective state registrar.

Deposit insurance under DICGC covers up to Rs 5 lakh per depositor per bank, covering principal plus interest.

Priority sector lending target for domestic scheduled commercial banks is 40% of adjusted net bank credit, with sub-targets for agriculture, micro enterprises, and weaker sections.

NEFT settles in batches, RTGS is for high-value real-time transfers with a minimum of Rs 2 lakh, and UPI is run by NPCI.

KYC norms require customer identity and address verification; PMLA and the RBI Master Direction on KYC govern reporting of suspicious and cash transactions.