Nainital Bank PO cheat sheet

Syllogism: 'All A are B' + 'All B are C' gives 'All A are C'; 'Some A are B' + 'All B are C' gives 'Some A are C'. A conclusion is valid only if true in every possible Venn arrangement.

Blood relations: draw a family tree with gender markers (+ male, − female) and generation levels; vertical line = parent-child, horizontal = spouse/sibling. 'Only son of my grandfather' = my father or me, depending on speaker gender.

Coding-decoding: first test letter-shift (+1, −1, +2), then reversal, then position-sum (A=1…Z=26). For number codes, check digit-sum and product patterns before assuming a cipher.

Seating arrangement: fix the row/linear order from the most constrained clue first; for circular arrangements facing centre, left = clockwise and right = anticlockwise (reversed when facing outward).

Direction sense: use a coordinate grid, N=+y, S=−y, E=+x, W=−x; final displacement = √(x²+y²), and turns are measured from the current facing, not from north.

Inequality: 'A > B ≥ C' implies A > C and B ≥ C but not A ≥ C strictly; combined chains only pass in the direction of the symbols, and 'either-or' conclusions require complementary pairs.

Order and ranking: if a person is nth from the left and mth from the right in a row of N, then N = n + m − 1; total = (rank from left) + (rank from right) − 1.

Series and analogy: check difference of differences for number series, and letter gaps (A–C = 2, C–F = 3) before trying interleaved two-series patterns.

Data sufficiency: a statement is sufficient only if it yields a unique numerical answer; two statements together count as sufficient only when neither alone works but their combination does.

Subject-verb agreement: 'one of + plural noun' takes a singular verb; 'each/every/either/neither' are singular; collective nouns (team, jury) take a singular verb when acting as a unit.

Articles: 'a' before consonant sounds (a university, a one-rupee coin), 'an' before vowel sounds (an hour, an MBA); 'the' with superlatives, unique objects, rivers, and ordinals.

Prepositions of time: in + month/year/season, on + day/date, at + clock time; 'since' with a point in time, 'for' with a duration.

Tenses: 'since/for' in present perfect (has worked here since 2010); past perfect for the earlier of two past actions; 'had better', 'would rather' take the bare infinitive.

Common error traps: 'discuss about', 'married with', 'senior than', 'prefer than', 'comprise of' are all wrong; correct forms are discuss, married to, senior to, prefer to, comprise.

Cloze test strategy: read the full passage first, then choose the option that fits both grammar (collocation, preposition) and the passage's overall tone.

Para jumbles: find the opening sentence (no pronoun or connector referring back), then chain via pronouns (it, this, they) and connectors (however, therefore, moreover).

Reading comprehension: answers must be supported by the passage; extreme words (always, never, only) in options usually signal a wrong choice, while 'according to the passage' questions demand literal evidence.

Idioms and phrases: 'to let the cat out of the bag' = reveal a secret; 'a bolt from the blue' = sudden shock; 'to beat around the bush' = avoid the main point.

Percentage change: successive changes of a% and b% give net change = a + b + ab/100; a 20% increase followed by a 20% decrease gives a net 4% decrease.

Profit and loss: SP = CP × (100 + P)/100; when two articles are sold at the same price with equal profit% and loss%, the seller always makes a net loss of (x/10)² percent.

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

Time, speed and distance: Speed = Distance/Time; for a train of length L crossing a platform of length P, time = (L + P)/speed; relative speed adds for opposite directions and subtracts for the same direction.

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 does a job in x days and B in y days, together they take xy/(x + y) days; use LCM of days as total work units for efficiency problems.

Averages: new average after adding a value = (old sum + value)/(n + 1); if every item is increased by k, the average increases by k, and average of consecutive numbers = (first + last)/2.

Permutation and combination: arrangements of n distinct items = n!; selections of r from n = nCr = n!/[r!(n − r)!]; nPr counts ordered arrangements.

Mensuration: area of circle = πr², circumference = 2πr; volume of cylinder = πr²h, sphere = (4/3)πr³; total surface area of a cube = 6a².

RBI is India's central bank, established in 1935 under the RBI Act 1934, nationalised in 1949; it sets the repo rate, CRR, and SLR, and its Monetary Policy Committee has six members.

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 from banks.

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

Priority sector lending target for domestic scheduled commercial banks is 40% of adjusted net bank credit, including 18% for agriculture and 7.5% for micro enterprises.

Deposit insurance by DICGC covers up to ₹5 lakh per depositor per bank, covering both principal and interest, for commercial and cooperative banks.

Nainital Bank is a scheduled commercial bank headquartered in Nainital, Uttarakhand, and is a subsidiary of Bank of Baroda; it was founded in 1922.

Basel III norms require banks to hold minimum Common Equity Tier 1 of 4.5%, Tier 1 of 6%, and total capital adequacy of 8% of risk-weighted assets.

Negotiable Instruments Act 1881 governs cheques, bills of exchange, and promissory notes; a cheque is valid for three months from its date.

Key institutions: SEBI regulates securities markets, IRDAI regulates insurance, PFRDA regulates pensions, and NABARD is the apex development bank for agriculture and rural credit.