SBI Clerk cheat sheet

Subject-verb agreement: the verb matches the number of the actual subject, not nouns in intervening phrases ("The list of items is long").

"Neither...nor" and "either...or" take a verb agreeing with the nearer subject ("Neither the manager nor the clerks were present").

"One of the" is followed by a plural noun and a singular verb ("One of the boys is absent").

Articles depend on sound, not spelling: "an hour", "a university", "an MLA", "a European".

Time prepositions: in (months, years, seasons), on (days, dates), at (clock time, night, noon).

Passive voice formation: object becomes subject + correct form of "be" + past participle + "by" + doer.

Simple past is used with finished time markers (yesterday, last year); present perfect with unspecified past time linked to the present (since, for, already).

In cloze and error-spotting items, test the collocation first: verb + preposition, adjective + noun, and fixed phrases decide the answer.

Percentage change = (new value − old value) ÷ old value × 100; successive changes of a% and b% equal a + b + ab/100.

Simple interest = P × R × T ÷ 100; compound amount = P(1 + R/100)^T, so CI = Amount − P.

Average = sum ÷ count; if a value x is added to n terms, the new average = (old average × n + x) ÷ (n + 1).

Speed conversion: km/h × 5/18 = m/s; m/s × 18/5 = km/h. Distance = speed × time.

Train crossing a pole: time = train length ÷ speed; crossing a platform: time = (train length + platform length) ÷ speed.

Profit% = (SP − CP)/CP × 100; loss% uses the same denominator CP; discount% is calculated on marked price.

Combined work: if A alone takes x days and B alone y days, together they take xy/(x + y) days; efficiency is inversely proportional to time.

Ratio a : b = c : d implies ad = bc; in partnership, profit shares are proportional to capital × time invested.

Ranking: total persons = position from left + position from right − 1; between two positions, count = difference − 1.

Alphabet positions: A = 1, Z = 26; EJOTY gives E = 5, J = 10, O = 15, T = 20, Y = 25 for quick location; reverse position = 27 − forward position.

Syllogism: "All A are B" + "All B are C" gives "All A are C"; "All A are B" does not imply "All B are A", but its converse as "Some B are A" is valid.

Syllogism: two "Some" statements give no definite conclusion; a "No" statement combined with "All" gives a "No" conclusion.

Circular seating facing the centre: left of a person is clockwise; facing outward, left is anticlockwise.

Inequality chains combine only same-direction signs; A ≥ B > C gives A > C, while A > B ≥ C also gives A > C, and ≥ permits equality.

Direction sense: a right turn from north faces east, left from north faces west; net displacement uses Pythagoras on the two axes.

Coding-decoding: compare letter positions of word and code to find a constant shift, reversal, or position-sum pattern before applying it to the new word.

RBI began operations in April 1935 and was nationalised in 1949; it is the monetary authority and its headquarters is in Mumbai.

CRR is the share of net demand and time liabilities held as cash with RBI and earns no interest; SLR is held in cash, gold or approved securities.

Repo rate is the rate at which RBI lends short-term funds to banks against securities; a higher repo rate tightens liquidity.

The Monetary Policy Committee has six members and must meet at least four times a financial year; the RBI Governor is its chairperson.

A loan account becomes a non-performing asset when interest or principal is overdue for more than 90 days.

A cheque is valid for three months from the date written on it; post-dated cheques are payable only on or after that date.

Current accounts are meant for businesses, earn no interest and carry no limit on the number of withdrawals.

Domestic scheduled commercial banks must lend 40% of adjusted net bank credit to priority sectors such as agriculture, MSME and education.

SEBI (1992) regulates the securities market and IRDAI (1999) regulates insurance; deposits with banks are insured by DICGC up to a notified limit.

Memory hierarchy by speed: registers > cache > RAM > secondary storage; RAM is volatile and ROM is non-volatile.

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

Computer generations: first vacuum tubes, second transistors, third integrated circuits, fourth microprocessors, fifth artificial intelligence.

Essential shortcuts: Ctrl+C copy, Ctrl+X cut, Ctrl+V paste, Ctrl+Z undo, Ctrl+Y redo, Ctrl+S save, Ctrl+P print.

In MS Excel a formula always begins with = and a reference such as A1 means column A, row 1; $A$1 is an absolute reference.

A URL has protocol, domain name and path; HTTP/HTTPS is the protocol used to transfer web pages, and DNS resolves a domain name to an IP address.

Malware classes: virus attaches to files, worm spreads by itself over networks, trojan disguises as legitimate software; a firewall filters traffic against set rules.

Input devices accept data (keyboard, mouse, scanner) while output devices present results (monitor, printer); both connect through ports or wireless links.