UP Cooperative Bank flashcards

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

Syllogism: All A are B

This statement means every member of set A also belongs to set B. Its converse 'All B are A' does not follow, but 'Some B are A' does follow when A is non-empty.

Converse of No A is B

The valid converse is 'No B is A'. Universal negatives convert simply, which is why a conclusion built on a negative premise can be reversed without changing its truth.

Left turn facing centre

In circular seating where all people face the centre, a person's left is clockwise and the right is anticlockwise. Reverse this rule when people face outward.

Inequality chain conclusion rule

A definite relation follows only when the symbols run in one consistent direction, so A > B ≥ C yields A > C. Mixing a greater-than with a less-than breaks the chain.

Position from the right formula

Position from the right equals the total number of persons minus the position from the left, plus one. This is used in row-arrangement and alphanumeric series questions.

Direction sense shortest distance

Resolve each move into north–south and east–west components, add them separately, then apply Pythagoras to the net displacements to get the straight-line distance from the start.

Maternal uncle relationship

The mother's brother is the maternal uncle, while the father's brother is the paternal uncle. Chains such as 'my father's only son' point to the speaker himself if male.

Successive percentage change formula

For a change of a% followed by b%, the net change is a + b + ab/100 per cent. A 20% rise then a 20% fall therefore gives a net decrease of 4%.

Simple interest formula

Simple interest equals principal multiplied by rate multiplied by time, divided by 100. The interest is calculated only on the original principal and never on accrued interest.

Compound interest minus simple interest

For two years, the difference between compound and simple interest equals the principal multiplied by the square of the annual rate divided by 100, i.e. P(R/100)².

Alligation rule

When a cheaper item at price c is mixed with a dearer one at price d to give a mean m, the quantity ratio is (d − m) : (m − c). It also solves mixture and average problems.

Average speed over equal distances

If two equal distances are covered at speeds x and y, the average speed for the whole journey is 2xy/(x + y), which is the harmonic mean and not the arithmetic average.

Downstream and upstream speeds

Downstream speed is boat speed plus stream speed and upstream speed is boat speed minus stream speed, so boat speed is half their sum and stream speed is half their difference.

Train crossing a platform

The time taken equals the combined length of the train and the platform divided by the train's speed. To cross another train, combine both lengths and use the relative speed.

Repo rate

The rate at which the Reserve Bank of India lends short-term funds to commercial banks against government securities. It is the key policy signal set by the Monetary Policy Committee.

Cash Reserve Ratio meaning

The percentage of a bank's net demand and time liabilities that must be held as cash with the Reserve Bank of India. It earns no interest and cannot be used for lending.

Primary Agricultural Credit Society

A village-level cooperative society that provides short-term crop and consumption loans to members. It sits at the base of the three-tier short-term cooperative credit structure below the DCCB.

NABARD establishment year

The National Bank for Agriculture and Rural Development was set up on 12 July 1982 on the Sivaraman Committee's recommendation as the apex institution for rural and agricultural credit.

DICGC deposit insurance cover

Deposits are insured up to five lakh rupees per depositor per bank, covering principal and interest across all branches. DICGC is a wholly owned subsidiary of the RBI.

Priority sector lending target

Domestic scheduled commercial banks must lend 40% of adjusted net bank credit to priority sectors, including a sub-target of 18% for agriculture. RRBs and small finance banks carry 75%.

Basel III capital adequacy in India

RBI prescribes minimum CET-1 capital of 5.5%, Tier-1 capital of 7% and total capital of 9%, plus a 2.5% capital conservation buffer, making an effective CRAR of 11.5%.

Cheque validity period

Under the Negotiable Instruments Act, 1881, a cheque remains valid for three months from the date written on its face and must be presented within that period.

One of plus plural noun

The structure 'one of + plural noun' is followed by a singular verb, as in 'One of the officers is on leave'. The verb agrees with 'one', not with the plural noun.

Since versus for

'Since' is used with a point of time such as 2019 or Monday, while 'for' is used with a duration such as three years. Both normally pair with a perfect tense.

No sooner than construction

'No sooner' is always followed by 'than', never 'when' or 'then', and the auxiliary comes before the subject, as in 'No sooner had he arrived than it rained'.

Superior takes to

Senior, junior, superior, inferior, prior and preferable are followed by 'to', not 'than', as in 'She is senior to me in the branch'.

Idiom: bite the bullet

To bite the bullet means to face a painful or unpleasant situation bravely instead of avoiding it. It is commonly tested in idiom and phrase replacement questions.

Byte and bit

A bit is a single binary digit, either 0 or 1, and a byte is a group of eight bits. One byte typically represents one character of text in computer memory.

RAM volatility

RAM is volatile read/write memory that stores programs and data currently in use and loses its contents when power is switched off, unlike non-volatile ROM.

Ctrl+Z shortcut

Ctrl+Z undoes the most recent action in most applications, while Ctrl+Y redoes it. Ctrl+C copies, Ctrl+X cuts and Ctrl+V pastes the selected content.

Firewall function

A firewall monitors and filters incoming and outgoing network traffic against defined security rules, blocking unauthorised access while permitting approved connections to pass through.

Phishing definition

Phishing is a fraudulent email, message or fake website that impersonates a genuine institution to trick users into revealing passwords, card numbers or one-time passwords.