RBI JE cheat sheet

Nominal concrete mixes by volume: M10 = 1:3:6, M15 = 1:2:4, M20 = 1:1.5:3 (cement:sand:coarse aggregate); lower water-cement ratio generally increases strength and durability.

For a simply supported beam of span L: maximum bending moment is WL/4 under a central point load W, and wL²/8 under a uniformly distributed load w per unit length.

Slump test measures workability of fresh concrete using a 150 mm slump cone; cube test on 150 mm cubes at 28 days gives characteristic compressive strength.

Safe bearing capacity = ultimate bearing capacity / factor of safety; standard penetration test N-value is an indicator of soil relative density and strength.

A theodolite measures horizontal and vertical angles; a benchmark is a fixed reference point of known elevation used in levelling.

Ohm's law: V = IR; power P = VI = I²R = V²/R. For a balanced three-phase load, P = √3 VL IL cos φ.

Transformer EMF equation: E = 4.44 f N Φm; voltage ratio V1/V2 = N1/N2, while current ratio is inverse.

In AC circuits, inductor current lags voltage by 90° and capacitor current leads voltage by 90°; impedance Z = R + j(XL − XC).

Earthing connects exposed conductive parts to earth so fault current flows safely to ground, limiting touch voltage and reducing electric shock risk.

Reserve Bank of India was established on 1 April 1935 under the RBI Act, 1934; it was nationalised in 1949 and its central office is in Mumbai.

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

CRR is the cash reserve ratio kept with RBI; SLR is the statutory liquidity ratio held in government securities and other approved liquid assets.

SEBI regulates securities markets, IRDAI regulates insurance, PFRDA regulates pensions, and NPCI operates retail payment systems such as UPI.

A scheduled bank is included in the Second Schedule of the RBI Act, 1934 and must meet paid-up capital and reserve requirements.

Engineers Day in India is observed on 15 September, the birth anniversary of Sir M. Visvesvaraya; National Science Day is 28 February.

NBFCs are regulated by RBI but cannot accept demand deposits and are not part of the payment and settlement system in the same way as banks.

Subject-verb agreement: a singular subject takes a singular verb; phrases between the subject and verb do not change the verb number.

Active to passive: the object becomes the subject, and the verb becomes a form of be plus the past participle.

Direct to indirect speech: if the reporting verb is past, the reported tense usually shifts one step back; pronouns change according to sense.

Articles: use a before a consonant sound and an before a vowel sound; use the for specific or unique references.

Use since with a point of time and for with a duration; use between for two items and among for more than two.

In the pattern one of the + plural noun, the verb agrees with one and is singular, as in one of the boys is absent.

Idioms: at the eleventh hour means at the last moment; once in a blue moon means very rarely.

Percentage change: an increase of x% followed by a decrease of x% gives a net change of −x²/100 percent.

Simple interest SI = PRT/100; compound amount A = P(1 + R/100)^T, and compound interest = A − P.

Speed = distance/time; a train of length L crossing a pole takes L/speed, and crossing a platform of length P takes (L + P)/speed.

Profit percent = (SP − CP)/CP × 100; loss percent = (CP − SP)/CP × 100; SP after discount = marked price − discount.

Average = sum of values / number of values; weighted average = Σ(value × weight) / Σ(weights).

Permutations nPr = n!/(n − r)!; combinations nCr = n!/[r!(n − r)!]; order matters in permutations but not in combinations.

Probability = favourable outcomes / total outcomes; mutually exclusive events add, while independent events multiply.

Time and work: rate = 1/days; combined rate is the sum of individual rates, and combined time is the reciprocal of the combined rate.

Blood relations: draw a family tree with symbols for male, female, marriage, and generations before tracing the required relationship.

Direction sense: take north as positive y and east as positive x; a right turn from north faces east, and diagonal distance uses Pythagoras.

Syllogism: draw Venn diagrams for the statements and accept a conclusion only if it is true in every possible diagram.

Coding-decoding: letter positions are A = 1 to Z = 26; reverse position = 27 minus forward position; check forward, backward, and alternating shifts.

Series: test differences, squares, cubes, primes, and alternating patterns before assuming a single rule.

Seating arrangement: for circular facing-centre problems, left and right are reversed compared with facing-outside arrangements.

Inequality: combine statements only when the same direction is maintained; strict inequalities do not yield a definite equality conclusion.

Clock angle = |30H − 5.5M| degrees; if the result exceeds 180°, subtract it from 360° to get the smaller angle.