UCSB Gazetted Officer Recruitment cheat sheet

Constitutional offices: President elected by an electoral college of elected MPs and elected MLAs; Vice-President by both Houses of Parliament only, including nominated members.

Article 368 amendment types: simple majority (creation of new states, citizenship), special majority (Fundamental Rights), special majority plus half of states (federal provisions).

National park/state animal facts for Uttarakhand: Corbett (1936, India's first national park), Valley of Flowers (UNESCO 2004), musk deer is the state animal, monal the state bird.

UN principal organs number six: General Assembly, Security Council, ECOSOC, Trusteeship Council (suspended 1994), ICJ, Secretariat.

RBI established 1 April 1935 under the RBI Act 1934, nationalised 1949; headquarters moved to Mumbai in 1937.

Bharat Ratna instituted 1954; first recipients 1954: C. Rajagopalachari, C.V. Raman, S. Radhakrishnan.

Indian census is decennial; 2011 was the 15th census since 1872 and the 7th after Independence.

NITI Aayog replaced the Planning Commission on 1 January 2015; governing council comprises all Chief Ministers and UT Lt Governors.

Sandhi types in Hindi: स्वर संधि (दीर्घ, गुण, वृद्धि, यण, अयादि), व्यंजन संधि, विसर्ग संधि - e.g., सूर्य+उदय = सूर्योदय (गुण संधि).

समास भेद: तत्पुरुष (पदों में विभक्ति लोप), कर्मधारय (विशेषण-विशेष्य), द्विगु (संख्यावाची पूर्वपद), द्वंद्व (दोनों पद प्रधान), बहुव्रीहि (अन्य पदार्थ प्रधान), अव्ययीभाव (पूर्वपद अव्यय).

अलंकार: अनुप्रास (वर्ण आवृत्ति), यमक (शब्द आवृत्ति, भिन्न अर्थ), उपमा (सादृश्य), रूपक (अभेद आरोप), उत्प्रेक्षा (जनु/मनु/मानो).

कारक चिह्न: कर्ता ने, कर्म को, करण से/के द्वारा, संप्रदान के लिए, अपादान से (अलग होना), अधिकरण में/पर, संबंध का/की/के, संबोधन हे/अरे।

English conditionals: first (if + present, will), second (if + past, would + base), third (if + past perfect, would have + past participle).

Subject-verb agreement traps: 'one of the + plural noun' takes singular verb; 'each/every/either/neither' singular; 'none' agrees with the sense of the noun.

Common error pairs: 'lie/lay' (intransitive/transitive), 'affect/effect' (verb/noun), 'principal/principle', 'comprise' takes no 'of'.

Active to passive: object becomes subject, verb becomes be + past participle, agent introduced by 'by'; perfect continuous tenses have no passive.

Percentage change shortcut: successive changes a and b give net change a + b + ab/100 (use signs for increase/decrease).

Compound interest: A = P(1 + r/100)^n; for half-yearly compounding use r/2 and 2n periods; CI − SI for 2 years = P(r/100)^2.

Profit and loss: SP = CP(1 ± profit%/100); two articles sold at same price with equal gain% and loss% always yield a net loss of (x/100)^2 percent.

Time and work: combined rate = 1/a + 1/b; if A is twice as efficient as B, A takes half the time; use LCM of days as total work units.

Speed: km/h to m/s multiply by 5/18; train crossing a platform uses total length = train + platform.

Averages: new average after adding a value = (old sum + value)/new count; in an AP the average equals the middle term (or mean of two middle terms).

Syllogism rule: a conclusion is valid only if true in every possible Venn arrangement of the premises; 'some A are B' does not imply 'some A are not B'.

Coding-decoding and series: check position shifts (+1, +2, alternate), reversal, and letter-position sums (A=1 … Z=26, EJOTY for 5,10,15,20,25).

Cooperation is a State subject (Entry 32, State List); the Union list has no entry for cooperative societies except multi-state societies under Entry 44.

97th Constitutional Amendment Act 2011 inserted Article 43B (DPSP to promote cooperative societies) and Part IXB (Articles 243ZH–243ZT) on cooperative societies.

Article 19(1)(c) protects the right to form cooperative societies; the Supreme Court in 2021 upheld Part IXB except the parts affecting State legislative competence.

Multi-State Cooperative Societies Act 2002 governs societies operating in more than one State; registered by the Central Registrar; the 2023 amendment created a Cooperative Election Authority and Rehabilitation, Reconstruction and Development Fund.

Minimum members to register a primary cooperative society varies by State law; under the MSCS Act 2002, a multi-state society needs members from at least two States.

Registrar of Cooperative Societies is the statutory authority for registration, amendment of bye-laws, audit, enquiry (Section 83-type powers), and supersession of committees.

State Cooperative Banks and District Central Cooperative Banks form the short-term cooperative credit structure; PACS sit at the base and are affiliated to DCCBs.

NABARD (established 12 July 1982) is the apex development bank for agriculture and rural credit and refinances cooperative credit institutions.

Accounting equation: Assets = Liabilities + Capital; every transaction keeps it balanced under double entry.

Golden rules: debit the receiver/credit the giver (personal); debit what comes in/credit what goes out (real); debit expenses and losses/credit incomes and gains (nominal).

Depreciation methods: straight line = (Cost − Scrap)/Useful life; written down value = fixed % on opening book value each year.

Trial balance agreement proves arithmetical accuracy only; it does not detect errors of principle, compensating errors, or complete omission.

Bank reconciliation: balance per bank + deposits in transit − outstanding cheques ± bank errors = balance per cash book (adjust for interest, charges, dishonoured cheques).

Final accounts order: Trading Account (gross profit) → Profit and Loss Account (net profit) → Balance Sheet; closing stock appears in both Trading Account credit and Balance Sheet asset.

Goods sent on consignment are not sales; consignee's commission is an expense of the consignor, and unsold stock is valued at cost plus proportionate direct expenses.

IFRS/Ind AS: Ind AS 2 values inventory at lower of cost and net realisable value; Ind AS 16 requires component-wise depreciation of significant parts.

CRR is held as cash with RBI under Section 42 of the RBI Act 1934; SLR is held in approved securities under Section 24 of the Banking Regulation Act 1949.

Money multiplier = 1/reserve ratio; higher CRR reduces credit creation capacity of banks.

Priority Sector Lending target for domestic scheduled commercial banks is 40% of ANBC; agriculture sub-target 18%, small and marginal farmers 10%, micro enterprises 7.5%.

Base rate/MCLR replaced by External Benchmark Lending Rate (EBLR) from 1 October 2019 for retail and MSME floating loans, linked to repo rate or T-bill yields.

NPA classification: substandard (up to 12 months), doubtful (12–36 months and beyond), loss asset; 90-day overdue norm for recognition.

Basel III capital: minimum CET1 5.5%, Tier 1 7%, total capital 9% (including conservation buffer) in India; LCR and NSFR are liquidity standards.

Nashik/Durgapur/Jaipur-style amalgamations aside, key facts: SBI Act 1955, nationalisation of 14 banks in 1969 and 6 in 1980; RRBs under RRB Act 1976.

Financial management ratios: current ratio = current assets/current liabilities; debt-equity = outside liabilities/shareholders' funds; ROI = profit before interest and tax/capital employed.

Uttarakhand formed on 9 November 2000 as the 27th State, carved from Uttar Pradesh under the Uttar Pradesh Reorganisation Act 2000; interim capital Dehradun, High Court at Nainital.

Districts number 13: Almora, Bageshwar, Chamoli, Champawat, Dehradun, Haridwar, Nainital, Pauri Garhwal, Pithoragarh, Rudraprayag, Tehri Garhwal, Udham Singh Nagar, Uttarkashi.

Divisions: Garhwal (Pauri, Chamoli, Tehri, Rudraprayag, Dehradun, Haridwar, Uttarkashi) and Kumaon (Almora, Nainital, Pithoragarh, Bageshwar, Champawat, Udham Singh Nagar).

Rivers: Ganga begins at Devprayag from Bhagirathi (Gaumukh) and Alaknanda; Kali separates Uttarakhand from Nepal; Yamuna originates at Yamunotri.

Peaks: Nanda Devi (7,816 m) highest entirely in India; Kamet, Trishul, Panchachuli; glaciers Pindari, Milam, Gangotri, Bandarpunch.

State symbols: animal musk deer, bird monal, tree burans (rhododendron), flower brahma kamal; state game/swallow tail butterfly added later.

Administrative structure: Governor as constitutional head, Chief Minister and Council of Ministers, Chief Secretary as administrative head, Divisional Commissioner, District Magistrate/Collector, SDM, Tehsildar, Naib Tehsildar, Patwari at village level.

Panchayati Raj in Uttarakhand: three tiers - District Panchayat, Kshetra Panchayat (block), Gram Panchayat; 73rd Amendment applies, with separate reservation for women (50% in the State).