South Indian Bank Clerk flashcards

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

Syllogism particular premises rule

Two particular premises (some, some not) cannot produce a universal conclusion. Any conclusion using 'all' or 'no' is invalid when both premises are particular, regardless of how plausible it sounds.

Circular seating direction rule

When people face the centre, a person's left is clockwise and right is anticlockwise. When they face outward, the directions reverse: left becomes anticlockwise and right becomes clockwise.

Rank formula with two people

If A is r1-th from the top and B is r2-th from the bottom and they are adjacent in the queue, total persons = r1 + r2 − 1. The minus one removes the double-counted position.

Inequality conclusion chain rule

Combine only signs pointing the same way: A > B ≥ C gives A > C. Mixing directions breaks the chain, so A > B < C yields no relation between A and C.

Successive percentage change formula

Net change for successive changes of a% and b% equals a + b + (ab/100). A rise then equal fall of x% always gives a net decrease of x squared divided by 100 percent.

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. This shortcut avoids computing both interests separately.

Equal-distance average speed

When equal distances are covered at speeds a and b, average speed is 2ab/(a + b), the harmonic mean. It is always less than the arithmetic mean (a + b)/2.

Work together formula

If A alone takes a days and B alone b days, working together they finish in ab/(a + b) days. Efficiency is inversely proportional to the time each person takes.

Alligation ratio rule

To mix components priced cheaper and dearer to reach a mean price, the quantity ratio is (mean − cheaper) : (dearer − mean). The result is crosswise subtraction.

Train crossing platform time

Time to cross a platform equals (train length + platform length) divided by speed. Crossing a pole uses only the train's own length over speed.

Repeated replacement formula

If a vessel of total quantity T has x units replaced by water n times, remaining pure liquid equals T × (1 − x/T)^n. The ratio of pure liquid falls geometrically.

Two articles equal selling price

If two articles sell at the same price with equal gain percent and loss percent x, the seller always makes a net loss of (x/100)² percent, never a break-even.

One of the plural noun verb

In 'one of the + plural noun + relative clause', the verb in the relative clause is plural: 'one of the boys who were present'. The main verb after 'one' stays singular.

No sooner and hardly pairs

'No sooner' is followed by 'than', and 'hardly/scarcely' by 'when'. Both take inverted word order with the past perfect: 'No sooner had he left than it rained.'

Comprise usage rule

'Comprise' means 'consist of' and takes a direct object with no preposition: 'The team comprises five members.' Avoid 'comprises of', which is non-standard in formal English.

Since with present perfect

'Since' plus a past time point requires present perfect in the main clause: 'She has worked here since 2019.' Simple past with 'since' is a standard error tested in correction questions.

Article before vowel sounds

Use 'an' before vowel sounds, not vowel letters: an hour, an MBA, an honest man. Use 'a' before consonant sounds: a university, a one-rupee note, a European.

Para jumble opening sentence

The opening sentence usually introduces a full noun with no pronouns referring backwards. Sentences beginning with 'this', 'he', 'therefore' or 'however' almost always follow another sentence.

Repo rate definition

The repo rate is the interest rate at which the RBI lends short-term funds to commercial banks against government securities. Raising it tightens liquidity and is used to control inflation.

CRR meaning and interest

Cash Reserve Ratio is the share of net demand and time liabilities that banks must keep as cash with the RBI. CRR balances earn no interest for the bank.

DICGC deposit insurance limit

Deposits with insured banks are covered by DICGC up to five lakh rupees per depositor per bank, covering principal and interest, across all branches of that bank.

Priority sector lending target

Commercial banks must lend 40 percent of adjusted net bank credit to priority sectors, including sub-targets of 18 percent for agriculture and 12 percent for weaker sections.

NPA 90-day rule

A loan account becomes a non-performing asset when principal or interest is overdue for more than 90 days. It is then classified sub-standard, moving to doubtful after twelve months.

Cheque validity period

Under the Negotiable Instruments Act, 1881, a cheque is payable on demand and remains valid for three months from the date written on its face.

RTGS versus NEFT

RTGS settles high-value payments individually in real time with no upper limit, while NEFT settles transactions in batches. Both are operated by the RBI.

Monetary Policy Committee size

The MPC has six members: three from the RBI, including the Governor as chair, and three appointed by the central government. It sets the repo rate to target inflation.

Volatile versus non-volatile memory

RAM is volatile and loses its contents when power is switched off. ROM, hard disks and SSDs are non-volatile and retain data without a continuous power supply.

Hexadecimal to binary mapping

Each hexadecimal digit corresponds to exactly four binary bits, so hex 2F equals 0010 1111. Each octal digit corresponds to three bits instead.

Excel absolute reference

In Excel, $A$1 is an absolute reference whose row and column stay fixed when copied. A1 is relative, and A$1 or $A1 is a mixed reference.

DNS and HTTPS ports

DNS resolves human-readable domain names into IP addresses. HTTP uses port 80, HTTPS uses port 443, and IPv4 addresses are 32-bit while IPv6 addresses are 128-bit.

Worm versus trojan

A worm self-replicates and spreads across networks without needing a host file. A trojan disguises itself as legitimate software and does not replicate on its own.

XOR gate output rule

An XOR gate outputs 1 only when its inputs differ. It outputs 0 when both inputs are 0 or both are 1, unlike OR, which outputs 1 for any input set.