lic set - 1

Reasoning AbilityDirections (Q. 1-5) : Each of the questions below consists of a question and two statements numbered I and II given below it. Youhave to decide whether the data given in the statements are sufficient to answer the questions. Read both the statements and

Give answer A. if the data in statement alone are sufficient to answer the question, while the data in statement II alone arenot sufficient to answer the question.Give answer B. if the data in statement II alone are suffcient to answer the question, while the data in statement I alone arenot sufficient to answer the question.Give answer C. if the data either in statement I alone or statement II alone are sufficient to answer the question.Give answer D. if the data even in both statements I and II together are not sufficient to answer the questions.Give answer E. if the data in both statements I and II together are necessary to answer the question.

1. D, E, F, G and H are sitting around a circle. Are all of them facing the centre?I. D is sitting second to the left of G. H is facing the centre and is not an immediate neighbour of G.II. F is sitting second to the right of E. E is sitting second to the left of D.

2. How many floors are there in the building (including the ground floor)?I. The area in which the building stands has a rule that no building can have more than six floors (including the ground

floor).II. Three families reside in the building. No two families live immediately above or below each other.

3. Which direction is Sunny facing?I. If Sunny turns 90 to his left, he will be facing North West.II. If Sunny turns 45 to his right he will be facing a direction that is exactly opposite to that of Sunil.

4. How is B related to E?I. R is the mother of B and E is the husband of R.II. R has only one daughter who is J.

5. Among J, K, L, M and N each of a different age, who is the youngest?I. J is younger than N but elder to K.II. L is younger than M but elder to K.

Directions (Q. 6-9) : Study the following information and answer the questions given :When a word arrangement machine is given an input line of words, it arranges them following a particular rule. Thefollowing is an illustration of input and rearrangement :Input : grow after seen craft preach helpStep I : grow seen craft preach help afterStep II : grow seen preach help after craftStep III : seen preach help after craft growStep IV : seen preach after craft grow helpStep V : seen after craft grow help preachStep VI : after craft grow help preach seenStep VI is the last step of the above arrangement as the intended arrangement is obtained.As per the rules followed in the above steps, find out in each of the following questions the appropriate steps for the giveninput.

(Q. 6 - 9) :Input : dare a beach null wrap steel

6. How many steps will be required to reach the intended arrangement for the given input?A. V B. VII C. VI D. IV E. None of these

7. Which of the following will be step II for the given input?A. dare null wrap steel beach a B. dare null wrap stell a beach C. dare null steel wrap a beachD. a beach dare null wrap steel E. None of these

8. Which of the following will be second from the left end of step V?A. beach B. steel C. a D. wrap E. None of these

9. Which of the following will be fourth from the right end of step III?A. wrap B. a C. beach D. steel E. None of these

Directions (Q. 10-11) : Four of the following five are alike in a certain way and so form a group. Which one does not belong to thegroup?10. A. Stem B. Branch C. Leaf D. Web E. Fruit11. A. Clone B. Replica C. Duplicate D. Copy E. FakeDirections (Q. 12-15) : Study the following information and answer the questions given below :

J, K, L, M, N, O, P and R sitting around a circular table facing the centre. Each of them was born in a different year - 1971,1975, 1979, 1980, 1981, 1984, 1985 and 1990, not necessarily in the same order.

M is sitting second to the right of K. L is sitting third to the right of J. L and J were born before 1980. Only the one born in 1984is sitting exactly between J and K. N who is the eldest is not an immediate neighbour of J and M. R is order than only M. R issitting second to the left of P. P is not an immediate neighbour of N. J is younger than L. K was born before O.12. Who is the second eldest in the group?

A. J B. L C. K D. P E. None of these13. Who is sitting third to the right of O?

A. The one born in 1979 B. The one born in 1980 C. The one born in 1985D. The one born in 1984 E. None of these

14. In which year was R born?A. 1979 B. 1975 C. 1980 D. 1985 E. None of these

15. Which of the following statements is true regarding K?A. K is sitting fourth to the right of R B. The one who was born in 1975 is to the immediate left of KC. K is younger than R D. There are four people sitting between N and KE. None is true

Directions (Q. 16-20) : In each of the questions below, three statements are given followed by conclusions/group of conclusionsnumbered I and II. You have to assume all the statements to be true even if they seem to be at variance from the commonlyknown facts and then decide which of the given two conclusions logically follows from the information given in the statements.

Give answer A. if only conclusion I follows.Give answer B. if only conclusion II follows.Give answer C. if either conclusion I or conclusion II follows.Give answer D. if neither conclusion I nor conclusion II follows.Give answer E. if both conclusions I and II follow.

(Q. 16-17) :Statements :All pens are books.Some books are pages.All pages are papers.

16. Conclusions :I. No paper is a pen.II. At least some pages are pens.

17. Conclusions :I. All books are papers.II. Some books are papers.

(Q. 18-19) :Statements :Some Ds are Gs.All Gs are Ks.All Ks are Ls.

18. Conclusions :I. At least some Ds are Ls.II. All Gs are Ls.

19. Conclusions :I. Atleast some Ks are Ds.II. All Ds are Ls.

20. Statements :Some files are folders.All folders are pockets.No pocket is a bag.Conclusions :I. All pockets are files.II. All files are bags.

Directions (Q. 21-25) : Study the following information and answer the questions given below :Twelve people are standing in two parallel rows each row having 6 people. P, Q, R, S, T and U are standing in row 1 facing

South while A, B, C, D, E and F are standing in row 2 facing North. They are standing in such a way that there is an equal distancebetween two adjacent persons. Thus each person from row 1 is facing another person from row 2.

D is standing third to the right of E. C is standing third to the right of A. A and E are not immediate neighbours. U is facingthe one who is to the immediate right of C. T is standing fourth to the left of S. B is not facing U. R is standing third to the left ofP.21. Who is facing E?

A. R B. S C. Q D. P E. None of these22. Which of the following pairs represents persons standing at the end of the rows?

A. TB B. PD C. PF D. DS E. None of these23. What is Fs position with respect to R?

A. F is facing the one who is to the immediate left of R. B. F is to the immediate left of the person facing R.C. F is facing the one who is second to the right of R. D. F is second to the left of the person facing R.E. None of these

Directions (Q. 24-25) : Four of the following five are alike in a certain way based on their positions in the above arrangement andso form a group. Which one does not belong to the group?24. A. PQE B. BCR C. TRC D. FEQ E. QUD25. A. PSBA B. CEQR C. BEQS D. UTDF E. RUCF

Directions (Q. 26-30) : Each of the following questions consists of five figures marked A, B, C, D and E called the Problem Figuresfollowed by five other figures marked 1, 2, 3, 4 and 5 called the Answer Figures. Select a figure from amongst the AnswerFigures which will continue the same series as established by the five Problem Figures.26. Select a figure from amongst the Answer Figures which will continue the same series as established by the five Problem

Figures.Problem Figures: Answer Figures:

(A) (B) (C) (D) (E) (1) (2) (3) (4) (5)A. 1 B. 2 C. 3 D. 4 E. 5

27. Select a figure from amongst the Answer Figures which will continue the same series as established by the five ProblemFigures.Problem Figures: Answer Figures:

(A) (B) (C) (D) (E) (1) (2) (3) (4) (5)A. 1 B. 2 C. 3 D. 4 E. 5


(A) (B) (C) (D) (E) (1) (2) (3) (4) (5)A. 1 B. 2 C. 3 D. 4 E. 5


(A) (B) (C) (D) (E) (1) (2) (3) (4) (5)A. 1 B. 2 C. 3 D. 4 E. 5


(A) (B) (C) (D) (E) (1) (2) (3) (4) (5)A. 1 B. 2 C. 3 D. 4 E. 5

Numerical AbilityDirections (Q. 31-35) : Study the following table carefully and answer the questions that follow :

Monthly Expenditure (In Thousand Rs.) By Five persons On Rent, Food, Childrens Education, Clothes And TravellingExpenditure Rent Food Childrens Clothes Travelling

Person EducationA 12.4 4.8 7.5 5.4 4.5B 6.0 7.8 12.4 12.6 5.8C 5.6 6.4 14.6 6.4 5.3D 13.6 7.8 12.5 16.4 9.5E 14.4 8.4 13.2 7.5 7.4

31. What is the average expenditure of person - C on all the five commodities together?A. Rs. 6,560 B. Rs. 7,660 C. Rs. 7,560 D. Rs. 7,440 E. None of these

32. Expenditure of which person on all the five commodities together is second highest?A. A B. B C. C D. D E. E

33. What is the respective ratio between the expenditure of person - A on food and the expenditure of person - E on clothes?A. 16 : 25 B. 17 : 25 C. 25 : 17 D. 14 : 25 E. None of these

34. Total expenditure on rent by all the persons together is what per cent of expenditure of D on childrens education?A. 430 B. 425 C. 410 D. 416 E. 420

35. What is difference between the expenditure of person - B on Travelling and the expenditure of person - A on food?A. Rs. 1,000 B. Rs. 1, 200 C. Rs. 1, 500 D. Rs. 1,600 E. None of these

Directions (Q. 36-40) : Study the following graph carefully to answer the questions that follow :Number of Employees (In Thousands) Working in Three Different Companies in Six Different Years

6050403020100 2005 2006 2007 2008 2009 2010N

o.of

emplo

yees(i

n'00

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Company A Company B Company B

Years36. What was percentage decrease in number of employees in Company-B in the year 2008 as compared to the previous year?

A. 22 B. 10.5 C. 12.5 D. 25 E. None of these37. What is the respective ratio between the number of employees in Company - B in the year 2005 and the number of

employees in Company - C in the year 2007?A. 5 : 4 B. 2 : 5 C. 4 : 5 D. 2 : 7 E. None of these

38. What was the approximate average number of employees in Company C over all the years together?A. 32900 B. 32210 C. 31660 D. 31210 E. 32660

39. If 30 percent of the total number of employees in the year 2006 in all the companies together was female, what was thetotal number of male employees in the same year in all the companies together?A. 4.9 thousand B. 4.9 lacs C. 48,000 D. 4.8 lacs E. None of these

40. Total number of employees in Company-A over all the years together was approximately what percent of the total numberof employees in Company-C in the year 2007 and 2008 together?A. 210 B. 225 C. 220 D. 235 E. 245

Directions (Q. 41-45) : Study the table carefully to answer the questions that follow :Number of Students Appeared And Passed In An Examination Held in Four Different Schools in Five YearsSchool P Q R SYear Appeared Passed Appeared Passed Appeared Passed Appeared Passed2005 1232 512 2565 811 1234 340 4221 22652006 1343 433 3385 1223 1434 521 5336 24212007 874 134 2556 990 2542 1155 4364 13762008 2345 1108 2332 1238 1554 622 5202 22122009 4220 2143 4555 2335 3682 912 6645 3283

41. In which year and from which school the number of students appeared in the exam were maximum?A. In year 2008 from School-S B. In year 2009 from School-S C. In year 2009 from School-QD. In year 2008 from School-Q E. None of these

42. In which year was the difference between the appeared students and passed students second lowest in School R?A. 2005 B. 2006 C. 2007 D. 2008 E. 2009

43. What was the average number of students passed from School P over all the years together?A. 856 B. 832 C. 842 D. 866 E. None of these

44. Number of students passing from School-S in the year 2008 was approximately what percentage of the number ofstudents appeared in the examination from school-Q in the year 2005?A. 72 B. 78 C. 82 D. 76 E. 86

45. If 25 percent of the number of students passed in the exam from school-P in the year 2005 were disqualified due to somereason, what was the number of qualified students?A. 442 B. 384 C. 432 D. 364 E. None of these

Directions (Q. 46-50) : What will come in place of the question mark (?) in the following number series?46. 8 14 32 70 136 ?

A. 248 B. 247 C. 237 D. 238 E. None of these47. 25 41 89 169 281 ?




A. 230 B. 214 C. 220 D. 209 E. None of these51. The radius of a circle is twice the side of a square of area 196 sq.cm. Length of a rectangle is twice diameter of the circle.

What is the perimeter of the rectangle if its breadth is haft the length of the rectangle?A. 244 cm B. 168 cm C. 336 cm D. Cannot be determined E. None of these

52. Cost of 4 fans and 3 blowers is Rs. 16,500. Also cost of 2 fans, 2 tables and 2 blowers is Rs. 12,000. Cost of one table is Rs.1,000. What is the cost of 3 fans and one blower?A. Rs. 8,000 B. Rs. 7,500 C. Rs. 8,500 D. Cannot be determined E. None of these

53. Train-A crosses a pole in 33 seconds and another Train-B crosses a pole in 55 seconds. Length of Train-A is three-fourth ofTrain-B. What is the respective also between the speed of Train-A and Train-B?A. 5 : 11 B. 5 : 4 C. 11 : 3 D. Cannot be determined E. None of these

54. The smallest side of a right angled triangle is 6 cm and second largest side is 8 cm. Side of a square is thrice the largest sideof the triangle. What is the diagonal of the square?A. 30 2 cm B. 60 2 cm C. 30 cm D. Cannot be determined E. None of these

55. Sunil scored 54 percent marks in a test. Ravi scored 450 marks in same test which is 300 less than Sonu. Sunils score is 60more marks than Sonu. If Ram scored 900 marks in the test. What is Rams percentage?A. 80 B. 65 C. 75 D. 60 E. None of these

56. The angles of a quadrilateral are in ratio of 3 : 5 : 9 : 7. The second largest angle of the quadrilateral is equal to the largestangle of a triangle. One of the angles of the triangle is 25. What is the value of second largest angle of the triangle?A. 60 B. 50 C. 40 D. 20 E. None of these

57. A vendor sells calculators at the rate of Rs. 250 each and earns a commission of 20% on each. He also sells pens at the rateof Rs. 50 each and earns a commission of 10% on each. How much amount of commission will he earns in three days if hesells 10 calculators and 5 pens a day?A. Rs. 1,575 B. Rs. 1,445 C. Rs. 1,550 D. Rs. 1,450 E. None of these

58. The sum of seven consecutive even numbers of a set is 532. What is the average of first four consecutive even numbers ofthe same set?A. 76 B. 75 C. 74 D. 73 E. None of these

59. In a school threre are 800 students out of whom 45 percent are girls. Monthly fee of each by is Rs. 600 and monthly fee ofeach girl is 30 percent less than each boy. What is the total monthly fee of girls and boys together?A. Rs. 4,25,400 B. Rs, 4,14,600 C. Rs. 4,19,600 D. Rs. 4,23,400 E. None of these

60. The simple interest accrued on a sum of certain principal is Rs. 6,400 in four years at the rate of 8 p.c.p.a. What would be thecompound interest accrued on that principal at the rate of 2 p.c.p.a. in 2 years?A. Rs. 800 B. Rs. 808 C. Rs. 704 D. Rs. 700 E. None of these

General Knowledge, Current Affairs61. Which one of the following was the reason owing to which Government want Reserve Bank of India to tighten prudential

norms for NBFCs?A. To reduce lquidity in the marketB. It is as per Basel II requirementsC. It is as per Bank for International Settlement (BIS) directivesD. It is to protect NBFCs from any impact of possible economic slowdownE. None of these

62. The Railways, in February 2013, announced its plans to complete the worlds highest rail bridge by 2016. On which amongthe following rivers, is this arch-shaped bridge coming up?A. Ravi B. Chenab C. Brahmaputra D. Sutlej E. None of these

63. In respect of which one of the following countries, India has proposed non payments for import of crude oil?A. Iran B. Iraq C. Kuwait D. Sudan E. UAE

64. Through which one of the following methods. RBI has allowed Indian companies to hedge exchange rate risks associatedwith trade transactions?A. Forwards B. FRA C. SwapsD. Currency options E. Cross currency options

65. Which of the following books is written by V. S. Naipaul?A. A Handful of Dust B. A House for Mr. Biswas C. A Passage to IndiaD. Darkness at Noon E. None of these

66. With which one of the following countries, India has signed agreement to build Multi model Transit Transport Project?A. Bangladesh B. Myanmar C. Sri Lanka D. Nepal E. Maldiwes

67. Which one of the following countries is Number One Country in terms of Purchasing Power?A. USA B. Germany C. China D. South Korea E. None of these

68. Which one of the following directions has been given by Government to Civic bodies?A. They must use 70 percent of the funds for BPL familiesB. They must use 70 percent of the funds for the poor living within their jurisdictionC. They must use 25 percent of the funds for BPL familitiesD. They must use 25 percent of the funds for the poor living within their jurisdictionE. None of these

69. On which one of the following issues a group of business leaders and ther eminent citizens have expressed concern?A. E-Governance B. Governance C. Fiscal deficit D. Governance deficit E. None of these

70. Yuan is the currency of which one of the following countries?A. Japan B. South Korea C. North Korea D. Taiwan E. China

71. Which one of the following is a leading power in 17 nation Euro Region?A. Germany B. France C. Norway D. Greece E. Portugal

72. What are teaser loan rates charged by banks?A. Fixed rate of interest charged by banksB. Floating rate of interest charged by banksC. Rate of interest in the initial period is less and goes up subsequentlyD. Rate of interest in the initial period is more and it goes down subsequentlyE. None of these

73. Expand the term FSDC which is used in financial sectors?A. Financial Security and Development Council B. Financial Stability and Development CouncilC. Fiscal Security and Development Council D. Fiscal Stability and Development CouncilE. None of these

74. According to the 8th Annual Global Retail Development Index (GRDI), which one of the following countries is mostattractive retail market in the world?A. China B. India C. UAE D. Saudi Arabia E. Japan

75. Governments Food-for-work programme means-A. to pay in kind to work and build rural infrastructure B. supplying balanced diet to workers in rural areasC. no-work-no-pay principle D. ensuring enough food to rural worker-householdsE. None of these

76. The insurance companies collect a fixed amont from its customers at a fixed interval of time. What is it called?A. Instalment B. Contribution C. Premium D. EMI E. Service Charge

77. Which of the following is/are the various types of insurance?1. Life Insurance2. Health Insurance3. Liability InsuranceA. Only 1 B. Only 2 C. Only 3 D. All 1, 2 and 3 E. Only 1 and 2

78. What is the full form of ES-OPs as seen in financial newspapers?A. Employee Stock Options B. Executive Salary Options C. Emergency Stock OperationsD. Early Sales Opportunities E. Executive Stock Ownership

79. According to the Open Budget Survey 2012 released by the International Budget Partnership in February 2013, Indiasopen budget index (OBI) score improved from 67 in 2010 to 68 in 2012. What was the overall rank of India among 100countries featuring in this list?A. 7th B. 11th C. 14th D. 22nd E. None of these

80. Pohang Steel Company (POSCO) is a company originally based in ________A. China B. Vtetnam C. USA D. Italy E. South Korea

81. The Union Budget 2013-2014 has made an allocation of Rs. 4,727 crore for medical education, training and research. Whatsum has been allocated for National Programme for the Health Care of Elderly?A. Rs. 100 crore B. Rs. 150 crore C. Rs. 250 crore D. Rs. 500 crore E. None of these

82. New Delhi (India) hosted the first India-Japan Maritime Affairs Dialogue in February 2013. During this meeting, both sidesdeliberated on issues of mutual interest, inter alia,A. Maritime security including non-traditional threats B. Cooperation in shipping, marine sciences and technologyC. Marine biodiversity and co-operation D. All of the aboveE. None of these

83. In his 2013-2014 Railway Budget speech, Railway Minister Pawan Kumar Bansal made certain observations on the successesand failures of Indian Railways during 2001-2002 to 2011-2012. Which of the following statements is/are correct in thisregard?A. The number of passenger trains has increased during this periodB. Losses on passenger train operations continue to mountC. Services extended to passengers has deterioratedD. All of the aboveE. None of these

84. India recently signed a deal on the sharing of Teesta and Feni river waters. This agreement is signed with which of thefollowing countries?A. Nepal B. China C. Pakistan D. Bangladesh E. Bhutan

85. Brihadeeswara Temple has recently celebrated its millennium birthday. In which of the following States is it located?A. Karnataka B. Andhra Pradesh C. Kerala D. Orissa E. Tamil Nadu

86. In which country were General elections held in on 17 February 2013 to elect the President, the National Assembly,Provincial Assemblies and members of the Andean Parliament as a result of which Rafael Correa was re-elected president?A. Ecuador B. Venezuela C. Peru D. Chile E. None of these

87. Former LIC chief TS Vijayan took over as the chairman of the Insurance Regulatory and Development Authority in February2013. The tenure of the Chairperson of IRDA is ofA. 1 year B. 3 years C. 5 years D. 6 years E. None of these

88. The Economic Survey 2012-2013 speaks about the aditional shocks to the already slowing of economy. What were theseshocks?A. Global economy, weighed down by the crisis in the Euro areaB. Uncertainties about fiscal policy in the United StatesC. Weak monsoonD. All of the aboveE. None of these

89. Eminent Hindi litterateur Narendra Kohli was, in February 2013, selected for the prestigious Vyas Samman for 2012 for hishistorical novel Na Bhooto Na Bhavishyati. On which of the following personalities is this novel based?A. Subhash Chandra Bose B. Ballabh Bhai Patel C. VivekanandaD. Mahatma Gandhi E. None of these

90. Ben Afflecks Iran-hostage drama Argo continued its award season triumph by winning three trophies, including the bestpicture and director, at the British Academy Film Awards in London in February 2013. India-set drama Life of Pi managedtwo trophies in technical categories. Who is the director of Life of Pi?A. James Cameroon B. Christopher Nolan C. Steven Spielberg D. Ang Lee E. None of these

Computer Knowledge91. What type of resource is most likely to be a shared common resource in a computer network?

A. printers B. speakers C. floppy disk drives D. keyboards E. None of these92. Example of non-numeric data is

A. Employee address B. Examination score C. Bank balance D. All of these E. None of these93. ________ represents raw facts, whereas ________ is data made meaningful.

A. Information, reporting B. Data, information C. Information, bitsD. Records, bytes E. Bits, bytes

94. A word in a web page that, when clicked, opens another documentA. anchor B. URL C. hyperlink D. reference E. None of these

95. A computer cannot boot if it does not have theA. Compiler B. Loader C. Operating System D. assembler E. None of these

96. What characteristics of read only memory (ROM) makes it useful?A. ROM information can be easily updatedB. Data in ROM is nonvolatile, that is, it remains there even without electrical powerC. ROM provides very large amounts of inexpensive data storageD. ROM chips are easily swapped between different brands of computersE. None of these

97. Which of the following refers to a small, single-site network?A. LAN B. DSL C. RAM D. USB E. CPU

98. Which keystroke will take you at the beginning or the end of a long document?A. Ctrl+PageUp and Ctrl+PageDown B. Shift+Home and Shift+EndC. Ctrl+Home and Ctrl+End D. The only way is by using the right scroll barE. None of these

99. Coded entries which are used to gain access to a computer system are calledA. Entry codes B. Passwords C. security commands D. code words E. None of these

100. In Word you can force a page breakA. By positioning your cursor at the appropriate place and pressing the F1 keyB. By using the Insert/Section BreakC. By positioning your cursor at the appropriate place and pressing Ctrl+EnterD. By changing the font size of your documentE. None of these

101.When you want to move some text from one page to a different page, the best method isA. drag and drop B. cut and paste C. delete and retype D. find and replace E. None of these

102.To view information on the web you must have aA. cable modem B. web browser C. Domain Name Server D. hyper text viewer E. None of these

103.How many margins are on a page?A. Two (header and footer) B. Four (top, bottom, right, left) C. Two (landscape and Portratt)D. Two (top and bottom) E. None of these

104.Which key is used in combination with another key to perform a specific task?A. function B. arrow C. space bar D. control E. None of these

105.What is an embedded system?A. A program that comes wrapped in a boxB. A program that is permanently part of a computerC. A computer that is part of a larger computerD. A computer and software system that controls a machine or applianceE. None of these

106.Text in a column is generally alignedA. justified B. right C. center D. left E. None of these

107.A directory within a directory is calledA. Mini Directory B. Junior Directory C. Part Directory D. Sub Directory E. None of these

108.Why should you delete unknown e-mail attachments?A. You could go to jail B. the person could track you down and hurt youC. it is bad manners D. it might contain a virus that could hurt your computerE. None of these

109.Of the four words listed below, which one does not belong?A. Applications B. Peripherals C. Programs D. Software E. None of these

110. Saving is the process ofA. copying a document from memory to a storage mediumB. making changes to a documents existing contentC. changing the appearance or overall look, of a documentD. developing a document by entering text using a key boardE. None of these

111. Selecting the Zoom commandA. opens a copy of the document in a different view B. prints a copy of the displayed documentC. changes the magnification of the displayed document D. saves a copy of the displayed documentE. None of these

112.Name the hardware equipment that a computer is made up ofA. monitor, the central processing unit (CPU), the keyboard, mouse, software and networkB. monitor, the central processing unit (CPU), the keyboard, mouse, programs and networkC. monitor, the central processing unit (CPU), the keyboard, mouse, printer and modemD. monitor, the central processing unit (CPU), the keyboard, mouse, applications and networkE. None of these

113.Where are programs and data kept while the processor is using them?A. Main memory B. Secondary memory C. Disk memory D. Program memory E. None of these

114. In order to e-mail a Word document from within WordA. Go to File/Send To/Mail Recipient B. Save the file as an email attachmentC. Start Outlook and attach the file while open in Word D. This is an impossible operationE. None of these

115.Hardware includesA. all devices used to input data into a computerB. sets instructions that a computer runs or executesC. the computer and all the devices connected to it that are used to input and output dataD. all devices involved in processing information including the central processing unit, memory and storageE. None of these

116. Files deleted from the hard disk are sent to theA. Recycle Bin B. floppy disk C. clipboard D. motherboard E. None of these

117.The process of a computer receiving information from a server on the internet is known asA. pulling B. pushing C. downloading D. transferring E. None of these

118.What type of software is most useful for the creation of brochures, posters and newsletters?A. spreadsheet software B. Web authoring software C. multimedia authoring softwareD. desktop publishing software E. None of these

119. In order to save an existing document with a different name you need toA. Retype the document and give it a different nameB. Use the Save as .. commandC. Copy and paste the original document to a new document and then saveD. Use Windows Explorer to copy the document to a different location and then rename itE. None of these

120.A(n) ________ is a program that makes the computer easier to use.A. application B. utility C. network D. operating system E. None of these

English Language (with Special emphasis on Grammar, Vocabulary and Comprehension)Directions (Q. 121-125) : Read each sentence to find out whether there is any grammatical error in it. The error if any, will bein one part of the sentence. The number of that part is the answer. If there is no error, the answer is E i.e. No error (Ignoreerrors of punctuation, if any.)121.The power of the mind (A)/ over the body (B)/has became a very significant subject (C)/of research in recent years. (D)/

No error (E)122.She was held to guilt (A)/practising witchcraft and misdemeanours (B)/such as cutting her hair short (C)/and dressing up

like a man. (D)/No error (E)123.Researchers at the University of Nottingham (A)/have found that (B)/putting tobacco outside of sight in shops (C)/can

change the attitude of young people towards smoking. (D)/No error (E)124.The young sales manager (A)/is about to resign (B)/despite of his success (C)/in the organisation. (D)/No error (E)125.More and more people (A)/are using different colour schemes (B)/in their homes (C)/that reflecting their personalities. (D)/

No error (E)

Directions (Q. 126-130) : Each question below has two blanks, each blank indicating that something has been omitted. Choosethe set of words for each blank which best fits the meaning of the sentence/s as a whole.126. In his latest book, the author gives a real ________ into the sufferings of individuals who have experienced the loss of a loved

one ________ to a physical illness.A. testimony, owning B. account, attribute C. praise, following D. insight, owing E. knowledge, new

127.Everybody has had the flu at some point of time, with its ________ symptoms : aches, chills, fatigue and cough. So why is thebird flue ________ so many headlines?A. familiar, making B. knowing, hitting C. same, targeting D. similar, cause E. drastic, topping

128.Bollywood actors may have set the stage on fire ________ the rock stars from the Indian music industry ________ the housedown during the gala night.A. as, bring B. yet, sang C. for, took D. and, had E. but, brought

129. In his latest book and documentary, the world renowned author explains that if we continue to ________ what we are doingto our planet, we risk ________ the very future of our civilization.A. do, appreciating B. ignore, destroying C. secure, losingD. establish, maintenance E. probe, questioning

130.Although carbon dioxide levels are ________ all over the word, the ________ are most obvious at the North and South Poles.A. booming, explosion B. exploding, scene C. rising, effectsD. firing, consequences E. spilling, disaster

Directions (Q. 131-135) : In each of the following sentences, an idiomatic expression or a proverb is highlighted. Select thealternative which best describes its use in the sentence.131.At an early age my colleague made his mark as a chemist

A. was destined to be B. secured good marks C. distinguished himself D. created a vacancy E. got inducted132.The thief was caught red-handed.

A. In the very act of committing the theft B. on red tape C. after being given a warningD. with blood on his hands E. in an attempt to escape

133.He decided to jump the gun and apply for the job before it was advertised in the press.A. play safe B. fake his credentials C. use influenceD. call for a personal meeting E. be over hasty

134.My neighbur was caught stealing, he now has to face the music.A. ask for forgiveness B. come face to face with the policeC. attempt to protect himself D. sufer the consequences of his actionsE. hear the song

135.Rs. 60 for a kilo of onions? Thats daylight robbery.A. robbing during the day B. robbing people on the basis of their incomeC. unfair overcharging D. cheating people with regards to the quality of foodE. extracting more from the rich

Directions (Q. 136-140) : Rearrange the following six sentence/group of sentences 1, 2, 3, 4, 5 and 6 in the proper sequence toform a meaningful paragraph; then answer the questions given below them.

1. It makes me happy that people are beginning to change their views on the environment and make changes in theirlifestyle he said after receipt of the award.

2. For him, vindication would be when we stop polluting the earth and turn the corner, the exciting news however, is thatthere are a lot of good changes underway.

3. As part of his compaigns, he turned a lecture on global warming and climate change into a well known documentarytitled An Inconvenient Truth, by which he encouraged millions of people worldwide to make earth friendly changes intheir lives.

4. Though many people are doing their part by being sensitive to the environment, Al Gore expressed a serious concernof the world being still at risk due to global warming.

5. Al Gore, former Vice President of America is well known for his campaigns on climate change.6. Because of this documentary and his tireless efforts to educate the world about global warming he was awarded the

Nobel Peace Prize on Climate Change in 2007.136.Which of the following will be the FIRST sentence after rearrangement?

A. 5 B. 2 C. 3 D. 4 E. 1137.Which of the following will be the SECOND sentence after rearrangement?

A. 4 B. 2 C. 3 D. 6 E. 1138.Which of the following will be the THIRD sentence after rearrangement?

A. 4 B. 6 C. 2 D. 3 E. 1139.Which of the following will be the FIFTH sentence after rearrangement?

A. 1 B. 2 C. 3 D. 4 E. 5140.Which of the following will be the SIXTH (LAST) sentence after rearrangement?

A. 4 B. 2 C. 3 D. 6 E. 5Directions (Q. 141-150) : In the following passage, there are blanks, each of which has been numbered. These numbers areprinted below the passage and against each, five words/phrases are suggested, one of which fits the blank appropriately. Findout the appropriate word/phrases in each case.

The insurance inustry is (141) myriad challenges arising from intense competition, rising regulatory compliance andgrowing payouts (142) to fraud and natural disasters. It is (143) that competitive pressures will make offshoring of informationtechnology (IT) and business processes a growing imperative in the insurance industry.

(144) to mainstream banking and financial services, where the early adoption of automation and IT helped facilitateoutsourcing, first in IT services and later in BPO, the insurance industry has lagged (145). This is one reason why insurancecompanies have been more conservative in their attitude to business process outsourcing, and (146) to offshoring.

With expected cost savings of 30% to 40%, and other (147) such as focusing on core competencies and (148) to skilledlabour, it is (149) that the insurance offshoring industry is (150) for significant growth in the next three to four years.141.A. looking B. pressing C. watching D. facing E. focusing142.A. reason B. due C. owed D. lent E. made

143.A. featured B. proof C. wanted D. thought E. expected144.A. Compared B. Similar C. Unlike D. Balanced E. Alike145.A. in B. back C. up D. behind E. slow146.A. especially B. important C. precise D. main E. regularly147.A. benefit B. advantages C. measures D. losses E. detriments148.A. excess B. open C. availability D. gain E. access149.A. deem B. timed C. believed D. idea E. doubted150.A. available B. assured C. poised D. gear E. concentratedDirections (Q. 151-160) : Read the following passage carefully and answer the questions given below it. Certain words/phraseshave been printed in BOLD to help you locate them while answering some of the question.

Health insurance policies were first Introduced in 1986 at a time when the Indian insurance industry was nationalised.The policies on offer were complicated to read and offered limited cover. There were no third party administrators operating inIndia, and there was no direct settlement of claims between health insurer and hospital. There were therefore issues concerningclaims servicing, which involved an Insured following cumbersome procedures to get claims authenticated and paid. Thebusiness was not profitable for the nationalised Insurers, and not popular with the public at large.

The original Mediclaim Policy, however, developed and in many cases has provided the base model for the health careinsurance policies that were introduced immediately after liberalisation of the general insurance sector at the turn of themillennium.

Health insurance, however, saw no specialist players until relatively recently. This is because there was a general expectationthat the insurance industry regulator, the IRDA, would set a smaller capitalisation requirement for health insurers and/oramend the rules for foreign equity ownership in Indian Insurers in recognition of the fact that health insurance loss ratios werenot good, and therefore finding an Indian partner to invest 76% in a health insurer would be a difficult task. The IRDA did not,however, relax either the capitalisation requirements or foreign investments caps. Initially, therefore, the health insurancemarket did not grow as quickly as may have been expected.

Growth in policyholder numbers, more effective third party administration and an effective network of hospitals isexpected to see the numbers improve. Other changes have been affected to encourage growth in this sector. Life insurers havebeen allowed to sell health insurance. Initially, life insurers were only allowed to sell certain types of health coves as asupplement to a life policy. However, the IRDA has allowed life insurers to sell pure health insurance products subjects toproduct specific approvals. The standard mediclaim policy has undergone several revisions and modifications. In recentyears, private health insurers have been offering fresh products with increased covers and sums insured. Private hospitalrates are still low compared to the rates charged in more developed countries, but high when compared to average Indianearnings. It is no longer uncommon for Indian employees to now expect that health care will be part of an employment package.With the opening up of the market to private competition, the claims process has become much less cumbersome. Support fora health insurance market has also come from some less obvious sources. Indian states have started relying on insurancepolicies to meet some of their legal obligations to provide health care to their citizens. The central government has alsoproposed the introduction of free health care insurance for the poor. This plan is meant to cover every poor family for INR30,000 per annum. The central government will pay 75% of the premium, leaving the remaining 25% to be covered by stategovernments. The IRDA has also encouraged Micro-insurance as a means of extending the availability of health insurance toareas of the market that, geographically and economically, may not have been at the forefront of Insurers business plans.

At the same time as the market grows, the IRDA is stepping in to create a more consumer friendly playing field, particularlyas regards the treatment of senior citizens; the operation of the pre-existing diseases exclusion, and the reluctance of insurersto renew policies where the claims experience has been bad.

Senior citizens had been complaining about the reluctance of Insurers to issue policies to them, and the inclusion ofdisadvantageous terms when policies were offered - such as hefty increases in premium rates, added exclusions and conditions,etc. In May 2007, the IRDA set up a committee on Health Insurance for Senior Citizens to make recommendations. The Committeereported in November 2007 and made the following main recommendations - Senior Citizens should have some assurance thattheir policies will be renewed; the Industry should adopt standard terms and conditions, such as for the definition of pre-existing diseases. The Committee also said that policy wordings should be simpler for the lay person to follow, suggesting thatuniform termonology be used by all Insurers to lessen confusion in the public mind.151.Which of the following is/are the reason/s because of which the health insurance industry has witnessed growth?

1. The format of the policy has been improvised since its inception.2. Organizations provide health insurance cover to their employees as part of the remuneration process.3. The process of settlement of claims has become less troublesome as compared to the time when it was first introduced.A. Only 2 B. Only 1 and 3 C. Only 3 D. Only 2 and 3 E. All 1, 2 and 3

152.What step has the Central Government taken in terms of insurance for the poor?A. The poor will have access to free health care insurance, the payment of premium for which will be shouldered by the

central and state government in the ratio of 3 : 1 respectively.B. The poor people belonging to a particular region will get group health care insurance cover of INR 30,000/- per annum.C. The poor will be insured for a sum of INR 45,000/- per annumD. The government has devised special health care insurance policies for the poor wherein no premium needs to be paid

either by the individual or the government.E. None of these

153.Which of the following, is/are the reason/s that health insurance policies were not popular in the beginning?1. The process for settlement of claims was lengthy and tiresome.2. The clauses in the policy were very difficult to understand.3. There were no direct claim settlements with the hospitals.A. Only 2 B. Only 1 and 3 C. Only 3 D. Only 2 and 3 E. All 1, 2 and 3

154.Which of hte following, is/are true in the context of the passage?1. Private hospital fees can be easily afforded by the general public now as their earnings are significantly higher.2. More people are now buying insurance policies as compared to almost two decades ago.3. Insurance agencies initially allowed to independently sell life insurance policies only can also sell health insurance

policies independently now.A. Only 2 B. Only 1 and 3 C. Only 3 D. Only 2 and 3 E. All 1, 2 and 3

155.Which of the following is possibly the most appropriate title for the passage?A. The Indian Health Insurance Industry - The Gradual Change B. IRDA and its FunctioningC. Health Insurance Vs Life Insurance D. Challenges Faced by the IRDAE. The Downfall of the Health Insurance Industry in India

156.What was the plight of senior citizens with respect to buying insurance cover prior to IRDA intervention?1. Insurance agencies were unwilling to sell policies to them.2. Clauses disadvantageous to senior citizens were included in the policies.3. They had to pay higher premiums.A. Only 1 and 3 B. Only 1 and 2 C. Only 1 D. Only 2 and 3 E. All 1, 2 and 3

Directions (Q. 157-158) : Choose the word/group of words which is MOST SIMILAR in meaning to the word/group of wordsprinted in BOLD as used in the passage.157.AFFECTED

A. hampered B. brought about C. concerned D. troubled E. asked for158. SUBJECT TO

A. conditional on B. matter for C. issue to D. topic of E. question onDirections (Q. 159-160) : Choose the word/group of words which is MOST OPPOSITE in meaning to the word/group of wordsprinted in BOLD as used in the passage.159.HEFTY

A. thin B. uniform C. small D. bulky E. fragile160.RELUCTANCE

A. intensity B. unwillingness C. fanaticism D. keenness E. devotion

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