Nainital Bank PO key terms

A reasoning format where two or more premises are given and a conclusion must be judged as definitely true, possibly true, or not true, usually tested with words like all, some, and no.

A method of drawing overlapping circles to represent sets and their relationships so that the validity of a conclusion drawn from given statements can be checked visually.

A situation in syllogism questions where two conclusions form a complementary pair, such as some and no, so that exactly one of them must logically follow from the statements.

A reasoning problem that describes family links through statements or coded symbols, and asks the candidate to work out how two named persons are related to each other.

A reasoning topic where a person moves through a sequence of turns and distances, and the candidate must find the final position, net displacement, or facing direction.

A puzzle in which people are placed in a row, circle, or square facing given directions, and clues about neighbours and positions must be combined to build the full arrangement.

A seating puzzle where people sit in a single straight row, either all facing north or facing a mix of north and south, and position clues are solved left to right.

A reasoning puzzle that assigns people, colours, or objects to numbered floors of a building, with clues linking floors to each other and the candidate deducing each floor's occupant.

A question where symbols replace comparison words such as greater than or equal to, and the candidate must decode the symbols and test which of the given conclusions is true.

A machine-style question that shows a sequence of rearrangement steps applied to a set of words or numbers, and asks for the result of a particular step.

A short passage with a few words removed, where the candidate chooses the option that fits each blank in grammar and meaning and keeps the passage coherent.

A passage followed by questions on its main idea, details, inferences, tone, and vocabulary, requiring the candidate to answer strictly from what the passage states or implies.

A comprehension question that asks for a conclusion the passage supports without stating it directly, so the answer must be logically implied rather than copied from the text.

The attitude a writer conveys through word choice, such as critical, neutral, appreciative, or ironic, which the candidate must identify to answer tone-based comprehension questions.

A question that splits a sentence into parts and asks the candidate to identify the part containing a grammatical mistake, such as a subject-verb agreement or tense error.

A question presenting a sentence with an underlined phrase and options to replace it, where the candidate picks the grammatically correct and contextually apt substitute.

The rule that a verb must match its subject in number and person, so a singular subject takes a singular verb even when words sit between them.

A natural pairing of words that native users expect together, such as heavy rain or strong argument, which candidates must recognise to choose the correct option in vocabulary questions.

Choosing the meaning of a word or phrase as it is used in a specific sentence rather than its most common dictionary sense, often tested in vocabulary and cloze items.

A set of sentences given out of order that must be rearranged into a coherent paragraph using linking words, pronouns, and logical flow between ideas.

A quantitative topic comparing two or more quantities, where a ratio expresses relative size and a proportion states that two ratios are equal, used to divide amounts and solve mixture problems.

A problem type where two or more people invest different amounts for different periods, and profits are shared in the ratio of each person's capital multiplied by time invested.

Interest calculated only on the original principal for the whole period, using the formula principal times rate times time divided by one hundred, without compounding.

Interest charged on both the principal and previously earned interest, so the amount grows each period and is computed as principal times one plus rate over periods raised to the number of periods.

A method using weighted averages to find the ratio in which two ingredients of different prices or strengths must be mixed to obtain a desired mixture.

The sum of a set of values divided by the number of values, used to find missing figures, combined averages of groups, and speed or age problems.

A topic relating distance covered, speed of travel, and time taken, including relative speed for trains, boats, and streams and conversion between kilometres per hour and metres per second.

A problem type where a boat's speed with the current is its still-water speed plus stream speed, and against the current it is the difference, used to find times for upstream and downstream trips.

A quantitative topic where the rate of work is the reciprocal of the days taken, allowing combined rates of several workers or pipes to be added to find total time.

A variation of time and work where inlet pipes fill a tank and outlet pipes empty it, with filling rates taken as positive and emptying rates as negative.

Counting techniques where permutation counts ordered arrangements of selected items, while combination counts unordered selections, used for arrangement and committee-formation problems.

The chance of an event, calculated as the number of favourable outcomes divided by the total number of equally likely outcomes, often combined with combinations in card and ball problems.

A set of questions based on a table, bar chart, pie chart, or line graph, where the candidate must read values and compute percentages, ratios, and averages quickly.

The rate at which the Reserve Bank of India lends short-term funds to commercial banks against government securities, used as a key tool to control liquidity and inflation.

The rate at which the Reserve Bank of India absorbs surplus liquidity from banks by borrowing from them, usually set below the repo rate and moved alongside it.

The share of a bank's net demand and time liabilities that must be held as cash with the Reserve Bank of India, earning no interest and reducing funds available for lending.

The minimum percentage of net demand and time liabilities a bank must hold in liquid assets such as government securities, cash, or gold before lending to customers.

A loan or advance on which interest or principal has remained overdue for more than ninety days, requiring the bank to classify it and make provisions against possible loss.

A 2002 Indian law that lets banks and financial institutions enforce security interests and take possession of mortgaged assets without going to court, after due notice to the borrower.

The amount a bank sets aside from profits to cover expected losses on bad or doubtful loans, which reduces reported profit and is reviewed as asset quality changes.

A measure of a bank's financial strength, comparing its capital with risk-weighted assets, ensuring it holds enough buffer to absorb unexpected losses as prescribed by regulators.

International banking supervision standards issued by the Basel Committee on Banking Supervision, setting minimum capital, liquidity, and leverage requirements that member countries adopt in local rules.