South Indian Bank Clerk key terms

A sequence of numbers following a hidden rule, such as adding a constant, multiplying, or squaring; candidates find the missing or wrong term by testing differences and ratios.

A technique for cracking number series where you subtract consecutive terms to reveal a constant or patterned gap, then repeat on the differences if needed.

Rounding awkward values to convenient numbers so an answer can be estimated quickly; in clerk-level papers the options are usually far enough apart to allow this.

Reducing an expression using BODMAS order, fraction conversion, and surds so a numeric answer can be picked without a calculator.

The order of operations: Brackets, Of, Division, Multiplication, Addition, Subtraction. Ignoring it is the most common cause of wrong answers in simplification questions.

A fraction expressed out of 100, used to compare quantities and to convert between fractions, decimals, and ratios in arithmetic and data interpretation problems.

A ratio compares two quantities of the same kind; a proportion states that two ratios are equal. Used in partnership, mixture, and age problems.

The sum of a set of values divided by how many values there are; also called mean. Changes in average after adding or removing a value are frequently tested.

Interest calculated only on the original principal for the whole period, using Principal × Rate × Time ÷ 100, with no compounding of earned interest.

Interest charged on both the principal and previously earned interest, so the amount grows faster than under simple interest over multiple periods.

Problems linking distance covered, speed, and time, including relative speed of trains moving in the same or opposite directions and boats in streams.

A special case of relative speed: downstream speed is boat plus current, upstream speed is boat minus current, letting you find either value from the two.

Reading values from tables, bar graphs, pie charts, or line graphs and then computing ratios, percentages, and averages from them under time pressure.

A logic question giving two or more statements such as 'All A are B' and asking which conclusions necessarily follow, using set diagrams to test validity.

Overlapping circles drawn to represent sets and their relationships; the standard tool for checking whether a syllogistic conclusion is definitely true.

In syllogisms, a conclusion labelled 'possibility' is true if at least one arrangement of the sets makes it hold, even if it is not always true.

Puzzles describing family links through statements, coded symbols, or a tree; you draw the relationships and then answer who is related to whom and how.

Questions tracking a person's path through turns and distances; drawing north-south and east-west axes and using Pythagoras for shortest distance solves them.

A set of clues that must be combined into one consistent layout, such as people in rows, around a circle, or on floors of a building.

A seating puzzle where people face the centre or face outward around a table; facing direction reverses what 'left' and 'right' mean for each person.

A seating or ranking puzzle placing people in a single row, either all facing north or in mixed directions, solved by fixing one anchor position first.

A word or sentence is rewritten under a letter-shift, substitution, or symbol rule; you identify the rule from examples and apply it to a new word.

A jumbled string of letters, digits, and symbols followed by questions about positions, counts, and neighbours of specific elements within the string.

Statements using greater-than, less-than, and equals signs, often with coded symbols, from which you decide which combined conclusions are definitely true.

A machine-style reasoning set where numbers or words are rearranged step by step by a fixed rule; you deduce the rule and predict a later step.

A passage with blanks, each to be filled by the option that fits the grammar and meaning of the surrounding sentence and the passage as a whole.

A passage followed by questions on main idea, inference, tone, and specific detail; answers must be supported by the text, not by outside knowledge.

A conclusion drawn from stated facts rather than stated directly; comprehension questions test whether you can separate a valid inference from an overreach.

A sentence is divided into parts and you identify the part containing a grammatical error, such as a subject-verb mismatch or wrong preposition.

Choosing the replacement phrase that makes a sentence grammatically correct and idiomatic while preserving its original meaning.

The rule that a singular subject takes a singular verb and a plural subject a plural verb, complicated by collective nouns, either/or structures, and intervening phrases.

Choosing the word that fits a blank's meaning and tone, since a synonym alone may be wrong if it does not collocate with the surrounding words.

A synonym is a word with nearly the same meaning; an antonym has the opposite meaning. Both are tested as standalone vocabulary questions.

Sentences of a paragraph are given out of order and must be rearranged into a coherent sequence by tracking connectors, pronouns, and the opening idea.

The rate at which the Reserve Bank of India lends short-term funds to commercial banks; raising it usually tightens liquidity and cools inflation.

Cash Reserve Ratio: the share of deposits a bank must keep as cash with the Reserve Bank of India, earning no interest, which limits how much it can lend.

Statutory Liquidity Ratio: the minimum share of deposits a bank must hold in approved liquid assets such as government securities, cash, or gold.

National Electronic Funds Transfer: a Reserve Bank of India-run system for sending money between bank accounts, settled in batches rather than instantly.

Real Time Gross Settlement: an instant, one-to-one transfer system used mainly for large-value payments, with settlement happening continuously rather than in batches.

The minimum interest rate below which a bank may not lend to most borrowers; it is calculated from cost of funds, expenses, and profit margin.

Non-Performing Asset: a loan on which interest or principal has been overdue for more than 90 days, requiring the bank to make provisions against it.

Know Your Customer: the mandatory process of verifying a customer's identity and address before opening an account or allowing certain transactions.

The computer's storage for instructions and data; primary memory such as RAM is fast and volatile, while secondary storage such as a hard disk is slower and persistent.

System software that manages hardware, files, and running programs, and provides the interface through which a user interacts with the computer.

Hardware that feeds data into a computer, such as a keyboard or scanner, and hardware that presents results, such as a monitor or printer.

A unique numeric label assigned to a device on a network so that data can be routed to it, written as four numbers in IPv4.

Uniform Resource Locator: the address typed into a browser to reach a web page, made up of protocol, domain name, and sometimes a path.

Local Area Network: a network covering a small area such as an office or branch, connecting computers and printers so they can share resources.

A key combination that triggers a command without menus, such as Ctrl+C to copy or Ctrl+Z to undo, commonly asked in computer awareness sections.