South Indian Bank Clerk cheat sheet

Syllogism: two particular premises never yield a universal conclusion; two negatives never yield a negative-free conclusion, so a valid conclusion must be tested against all Venn-diagram arrangements.

Blood relations: draw a family tree and mark gender (+ male, − female) and generation level; only vertical position encodes generation, horizontal position encodes siblings/spouses.

Seating arrangement: for a circle, facing centre means left is clockwise and right is anticlockwise; facing outward reverses both directions.

Direction sense: track net displacement with vectors; final distance = √(x² + y²) and final direction from the sign of x and y (NE, NW, SE, SW).

Coding-decoding: compare code letters with source letters positionally; a constant shift is a Caesar cipher, a reversal or alternating shift needs separate rules for odd and even positions.

Inequality: 'A > B ≥ C' implies A > C; combining a strict and a non-strict sign keeps the stricter sign, and conclusions mixing > and < are false unless chained consistently.

Alphanumeric series: number positions of letters (A=1 … Z=26); for mixed series, separate the digit subsequence and letter subsequence and test each for its own pattern.

Order and ranking: if a person ranks r1 from the top and r2 from the bottom, total = r1 + r2 − 1; with two people, total = (rank of A from top) + (rank of B from bottom) − 1 when they overlap by one position.

Percentage change: successive changes of a% and b% give net change a + b + ab/100; a rise of x% followed by a fall of x% gives a net fall of x²/100 percent.

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

Profit and loss: profit% is always on cost price unless stated; selling price = CP(1 + p/100); two articles sold at the same price with equal gain% and loss% always produce a net loss of (x/100)² percent.

Time, speed and distance: distance = speed × time; for equal distances at speeds a and b, average speed = 2ab/(a + b), not the arithmetic mean.

Trains and boats: a train crossing a pole takes length/speed; crossing a platform takes (length + platform)/speed; downstream speed = boat + stream, upstream = boat − stream.

Time and work: if A finishes in a days and B in b days, together they take ab/(a + b) days; efficiency is inversely proportional to time taken.

Ratio and mixtures: alligation gives the ratio of quantities as (mean − cheaper) : (dearer − mean); repeated replacement of a vessel leaves final quantity = initial × (1 − replaced/total)^n.

Mensuration: circle area πr², circumference 2πr; cylinder volume πr²h and curved surface 2πrh; sphere volume (4/3)πr³ and surface 4πr².

Averages and ages: new average after adding a value = (old sum + value)/new count; if the average age of n people rises by d after t years, the sum rises by n·t.

Subject-verb agreement: 'one of the + plural noun' takes a singular verb; 'either/neither … or/nor' agrees with the nearer subject; collective nouns take a singular verb when acting as one unit.

Tenses: after 'since' or 'for' referring to a point past, the main clause uses present perfect ('has worked here since 2019'); after 'had' use past perfect, not simple past.

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

Prepositions: 'differ from' a thing but 'differ with' a person; 'comprise' takes no 'of'; 'consist of', 'deprive of', 'comply with', 'averse to' are fixed collocations.

Common error traps: 'discuss about', 'return back', 'more better', 'each of the boys were' are non-standard; 'hardly had … when' and 'no sooner … than' are the correct pairs.

Reading comprehension: locate the answer sentence by keyword matching, then verify that the chosen option restates it without adding scope, degree, or causation absent from the passage.

Cloze test: choose the option that fits both grammar (tense, preposition, agreement) and the surrounding semantic field; a word that is grammatical but changes the paragraph's tone is wrong.

Para jumbles: find the opening sentence (usually introduces a noun without pronouns), then chain using pronouns, connectors ('however', 'therefore'), and repeated key terms.

RBI functions: monetary authority, issuer of currency (except one-rupee coins and notes, issued by the Government of India), banker to banks and government, and manager of foreign exchange under FEMA, 1999.

Policy rates: repo rate is the rate at which RBI lends to banks against securities; reverse repo absorbs liquidity; CRR is the cash share of NDTL kept with RBI and earns no interest; SLR is held in approved securities.

Banking legislation: the Banking Regulation Act, 1949 governs banking companies; RBI Act, 1934 established the central bank; deposits are insured by DICGC up to ₹5 lakh per depositor per bank.

Priority sector lending target is 40% of adjusted net bank credit for commercial banks, with sub-targets for agriculture (18%) and weaker sections (12%).

NPA classification: a loan becomes a sub-standard asset after 90 days of overdue; doubtful after 12 months as sub-standard; loss assets are identified by the bank or auditors.

Negotiable instruments: cheque, promissory note and bill of exchange are defined in the Negotiable Instruments Act, 1881; a cheque is payable on demand and valid for three months from its date.

Payment systems: RTGS is for high-value real-time settlement with no upper limit; NEFT settles in batches; UPI is run by NPCI; IMPS is available 24×7 through NPCI.

Financial regulators: SEBI regulates securities markets, IRDAI insurance, PFRDA pensions, and RBI regulates banks and NBFCs; the Monetary Policy Committee has six members and meets to set the repo rate.

Memory hierarchy by speed: registers > cache (L1/L2/L3) > RAM > SSD/HDD > optical; RAM is volatile, ROM is non-volatile, and cache is the fastest storage after registers.

Number systems: binary base 2, octal base 8, decimal base 10, hexadecimal base 16; each hex digit maps to exactly four binary bits, and each octal digit to three.

Keyboard and shortcut facts: Ctrl+X cut, Ctrl+C copy, Ctrl+V paste, Ctrl+Z undo, Ctrl+Y redo, F5 refresh, Alt+F4 close window, Ctrl+Shift+Esc opens Task Manager.

MS Office: in Excel, '$A$1' is an absolute reference, 'A1' relative, 'A$1' mixed; a formula begins with '='; in Word, Ctrl+E centres text and Ctrl+Enter inserts a page break.

Networking: IPv4 addresses are 32-bit and IPv6 are 128-bit; HTTP uses port 80 and HTTPS port 443; DNS resolves domain names to IP addresses; a URL's protocol, domain and path appear in that order.

Security: phishing is deceptive mail or sites harvesting credentials; a firewall filters traffic by rules; malware types include virus, worm (self-replicating without a host), trojan and ransomware.

Data units: 1 byte = 8 bits; 1 KB = 1024 bytes; 1 MB = 1024 KB; 1 GB = 1024 MB; 1 TB = 1024 GB.

Logic gates and basics: AND outputs 1 only if all inputs are 1; OR outputs 1 if any input is 1; NOT inverts; XOR outputs 1 when inputs differ; a bit is a binary digit, the smallest unit of data.