Nainital Bank PO flashcards

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

Syllogism validity test

A conclusion follows only if it is true in every possible Venn diagram of the premises. A single arrangement making it false is enough to reject it.

Circular arrangement facing centre

When people face the centre of a circle, a person's left is clockwise and right is anticlockwise. Reverse these directions when the group faces outward.

Row total from ranks

In a single row, total number of persons equals rank from left plus rank from right minus one. Use it to find missing ranks quickly.

Blood relation 'only son'

'Only son of my grandfather' refers to the speaker's father if the speaker has no paternal uncle, or to the speaker himself if male and no brothers exist.

Either-or inequality condition

Two conclusions form an either-or pair when their subjects and predicates match and the pair is complementary, such as A ≥ B and A < B, with no definite relation given.

Letter position sums

Assign A=1 to Z=26. Coding questions often use position sums, reversals (A↔Z), or fixed shifts; test the simplest shift before complex rules.

Direction displacement formula

After a series of moves, net displacement equals the square root of the sum of squared net east-west and north-south distances, giving straight-line distance.

Data sufficiency standard

A statement is sufficient only when it produces one unique value. If it allows two or more answers, mark it insufficient even if it looks helpful.

Subject-verb agreement with 'one of'

'One of the boys is present' is correct: the verb agrees with 'one', not the plural noun after 'of'. The same applies to 'each of' and 'every one of'.

Article before vowel sounds

Use 'an' before a vowel sound, not a vowel letter: an hour, an MBA, an honest man. Use 'a' before consonant sounds: a university, a European.

Since versus for

'Since' precedes a point in time (since 2019), while 'for' precedes a duration (for five years). Both pair with perfect tenses, usually present perfect.

Preposition error traps

Correct forms are 'discuss' (no about), 'married to', 'senior to', 'prefer to', and 'comprise' (no of). These are frequent error-spotting answers.

Para jumble opening clue

The first sentence usually introduces a noun without pronouns or connectors like 'however' or 'therefore'. Sentences with 'this' or 'it' rarely open a paragraph.

Cloze test approach

Read the whole passage first to fix the theme, then select options that satisfy grammar, collocation, and meaning together. Eliminate options breaking preposition or tense rules.

Idiom: bolt from the blue

A completely unexpected event, usually shocking or unwelcome. It refers to lightning from a clear sky, meaning sudden surprise without warning.

Reading comprehension extreme options

Options with absolute words such as always, never, only, or must are usually wrong unless the passage states them literally. Prefer qualified, passage-supported options.

Successive percentage change

Net change for successive changes a% and b% equals a + b + ab/100. A 20% rise then 20% fall gives a net 4% decrease.

Equal profit and loss percent

If two articles sell at the same price, one at x% profit and the other at x% loss, the seller always loses (x/10)² percent overall.

CI minus SI for two years

For two years, compound interest exceeds simple interest by P(R/100)², where P is principal and R the annual rate. Use it for direct difference questions.

Train crossing a platform

Time to cross a platform equals train length plus platform length, divided by train speed. Convert km/h to m/s by multiplying by 5/18.

Boat and stream formulas

Boat speed in still water equals half the sum of downstream and upstream speeds. Stream speed equals half their difference.

Work together in days

If A finishes in x days and B in y days, together they take xy/(x + y) days. Use LCM of x and y as total work units for efficiency problems.

Average after adding a value

New average equals old sum plus the new value, divided by n + 1. Adding k to every item raises the average by exactly k.

Combination formula nCr

Number of ways to choose r items from n distinct items, order ignored, equals n!/[r!(n − r)!]. Use nPr when order matters.

Sphere and cylinder volume

Volume of a sphere is (4/3)πr³ and of a cylinder is πr²h. Total surface area of a cube is 6a², where a is the side.

Repo rate meaning

The rate at which the Reserve Bank of India lends short-term funds to commercial banks against government securities. Raising repo tightens liquidity and curbs inflation.

CRR versus SLR

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

Priority sector lending target

Domestic scheduled commercial banks must lend 40% of adjusted net bank credit to priority sectors, including 18% to agriculture and 7.5% to micro enterprises.

DICGC deposit cover

Deposit Insurance and Credit Guarantee Corporation insures deposits up to ₹5 lakh per depositor per bank, covering principal and interest, across commercial and cooperative banks.

Nainital Bank profile

A scheduled commercial bank founded in 1922 and headquartered in Nainital, Uttarakhand. It operates as a subsidiary of Bank of Baroda.

Basel III capital ratios

Minimum Common Equity Tier 1 is 4.5% of risk-weighted assets, Tier 1 is 6%, and total capital adequacy is 8%, plus conservation buffers.

Cheque validity period

Under the Negotiable Instruments Act 1881, a cheque is payable within three months from its date. Banks may set shorter internal limits for certain cheque types.

Financial sector regulators

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