Banking aspirants

07/11/2016

hello friends any one interested in English session?

04/09/2016

GA Questions RBI Grade B

Pellet guns headed by – TVSN prasad committee
Swayam initiative – HRD
first state to have butterfly – Maharastra
122nd amendment- GST
27 September : world tourism day
Maitree combat excercise b/w – India and thailand
Fintech committe headed by : Sudarshan sen
Operation sankat Mochan — Sudan
Book – Who moved my interest – D Subbarao
Post payment Bank Corpus – 800 crore
Superfast train for unreserved passenger – Antodaya
Canberra is capital of – Austalia
Amount allotted to 13 PSB’s –
Theme of Hepatitis day
Atal pension yojna minimum tenure of –
lakhwar dam – Uttarakhand.
In NDTL what D stands for – Demand
Bodhi tree where – Bodh gaya
farmers doubling of income by 2022 –
Bank of Scotland HQ –
Game not included in Japan Olympic 2020 –
Adiperuku festival –
Water metro: kochi, kerala
Himayat program – Jammu and Kashmir
currency of bhutan – Ngultrum
Brabourne stadium : Mumbai
Olympic flag bearer – Abhinav Bindra
Ease of doing businesses report – world bank group
International Court of Justice headquarter::The Hague
Andy murray is related to – tennis
Hoffman cup related to – tennis
SIDBI Headquarter- Lucknow
SS Ahluwalia constituency- darjeeling
PMKVY- 12000 cr
Rs 1601 cr for which state- J&K
Land Acquisition Bill Headed by – Ganesh Singh
Film based -The man who Knew Infinity – Ramanujan
Lachhu maharaj profession – Tabla
Rewa thermal plant- Madhya Pradesh

03/09/2016

Throwback (N): पुनरावर्तन – a reappearance of an earlier characteristic
Synonyms: atavism, reversion
Usage: It’s kind of a throwback to when these kinds of things were always happening.

Dictatorship (N): तानाशाही – a form of government in which the ruler is an absolute dictator (not restricted by a constitution or laws or opposition etc.)
Synonyms: Caesarism, Stalinism, absolutism, authoritarianism, despotism, monocracy, one-man rule, shogunate, totalitarianism, tyranny
Usage: She has compared her impeachment to her imprisonment by the former U.S.-backed Brazilian dictatorship.

Brusque (Adj): अशिष्ट – marked by rude or peremptory shortness; A brusque manner of speaking is unfriendly, rude, and very brief.
Synonyms: brusk, curt, short
Usage: You need to try to cultivate a less brusque manner.

Abrasive (N): कर्कश – sharply disagreeable
Synonyms: harsh
Usage: Arvind Kejriwal has an abrasive character

Rabble- rouser (N): भीड़ को भड़काने वाला व्यक्ति – a person who makes a group of people angry, excited, or violent (such as by giving speeches) especially in order to achieve a political or social goal
Some Detail: A politician who deliberately tries to get her audience excited and angry can be described as a rabble-rouser.
Synonyms: demagog, demagogue
Usage: People like Azam khan, Owaisi and Adityanath are nothing but rabble – rousers.

Maverick (N): स्वतंत्र विचारों वाला – independent in behavior or thought; someone who exhibits great independence in thought and action
Some Detail: A maverick is a rebel, someone who shows a lot of independence.
Synonyms: rebel
Usage: maverick politicians

Brazen (N): बेशर्म – unrestrained by convention or propriety
Synonyms: bald-faced, barefaced, bodacious, brassy, brazen-faced, insolent
Usage: brazen arrogance

Complicity (N): अपराध में भागीदारी – guilt as an accomplice in a crime or offense
Some Detail: Complicity refers to the act of helping someone else behave inappropriately or illegally. If you find yourself accused of complicity, it’s often helpful to show that you were unaware of the other person’s intentions.

Trickle-down effect: Trickle down economics is a term used to describe the belief that if high income earners gain an increase in salary, then everyone in the economy will benefit as their increased income and wealth filter through to all sections in society.

03/09/2016

o The first banknote issued by independent India wa the one rupee note issued in 1949
o KYS is an acronym for Know Your Customer a term used for customer identification process.
o KYC has two components- Identity and address
o Commercial Paper(CP) is an unsecured money market instrument issued in the form of a promissory note
o Commercial Paper(CP) was introduced in India in 1990.

o Corporates, primary dealers and the all India Financial institutions are eligible to issue CP
o Commercial Paper(CP) can be issued for maturities between a minimum of 7 Days and a maximum of upto 1 year from the date of issue.
o Commercial Paper(CP) can be issued in denominations of Rs 5 lakh or multiples thereof.
o Every issuer must appoint an issuing and payment agent for issuance of CP.
o A term deposit is a contract between the bank and the customer for a definite term and it cannot be paid prematurely at the bank’s option. Banks have the freedom to determine their own penal rates of interest for premature withdrawal of term deposits
o Base rate system has replaced the erstwhile Benchmark Prime lending rate system with effect from July 2010
o RTGS stands for REAL TIME GROSS SETTLEMENT
o The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted through RTGS is Rs 2 Lakh. There is no upper ceiling for RTGS transactions
o NEFT – NATIONAL ELECTRONIC FUNDS TRANSFER is a nation – wide payment system facilitating one to one funds transfer.
o There is no limit- either minimum or maximum- on the amount of funds that could be transferred using NEFT.
o IFSC or INDIANFINANCIAL SYSTEM CODE is an alpha-numeric code that uniquely identifies a bank branch participating in the NEFT system
o ECS- Electronic Clearing System is an electronic mode of payment/receipt for transactions that are repetitive and periodic in nature
o MICR – MAGNETIC INK CHARACTER RECONGNITION is a 9 digit code to identify the location of the bank branch; the first 3 characters represent the city, next 3 the bank and lat 3 the branch
o The first bank in India to be given an ISO certification is CANARA Bank
o The First Indian bank to have been started solely with Indian capital is PUNJAB NATIONAL BANK
o Cheque Truncation system(CTS) is the process of stopping the flow of the physical cheque issued by a drawer at some point with the presenting bank en-route to the drawee bank branch.
o The FULL FORM of CORE in Core banking Solution is Centralized Online Realtime Exchange
o Inflation in India is measured on gross domestic product(GDP)
o Central Government levies taxes on income(except income on agriculture which by state govt.) , customs duties, central excise and service tax.
o VAT, stamp duty, state excise, land revenue and profession tax are levied by state government
o Allahabad Bank is the oldest public sector bank in India
o Divideneds are profits the company distributes to shareholders
o Bankruptcy is a legal action in which a person who is not able to repay his loans satisfactorily is declared bankrupt by a court order
o Indian Stock market has three mainstream stock exchanges- BSE, NSE and MCX-SX

02/09/2016

1). Full form of ATM ?
Ans- Automated Teller Machine

2). No of free transactions permitted per month at other bank ATMs for Saving Bank Account holders.?
Ans- 5 Free Transactions per month
Note: Recently RBI has reduced the transation limit from 5 to 3 in Six Metropolitan Cities

3).How much bank charges when you check your account balance on ATM after free Transaction limit ?
Ans- 5 RS

4) How much Bank charges beyond the Transaction limit?
Ans- Rs 20 per transaction

5) Time Limit for resolving customers complaint by issuing Banks?
Ans- Within 7 Working Days from the date of receipt of customer complaint

6). In case failure to re-credit customer's account within 7 Days how much compensation is paid to the customer?
Ans- Rs 100 per day

7). First Bank to introduce ATM?
Ans- Hongkong and Shanghai Banking Corporation ( HSBC)

8). First Bank to provide Mobile ATM?
Ans- ICICI

9).India's First Talking ATM launched by which Bank?
Ans- Union Bank of India

10). Non-Bank owned ATM is also called____
Ans- White Label ATM's

11). India's First Company to open White Label ATM's
Ans- Tata Communications Payments Solutions Ltd

12). India's First Non-Bank owned ATM(White Label ATM's) opens in which State?
Ans- Maharashtra (in Thane District)

13).Which city gets the countries first Talking ATM ?
Ans- Ahmedabad, Gujarat

14) Talking ATM has what kind of Special Interface ?
Ans– Voice Interface

15).Who inaugurate countries first Talking ATM ?
Ans– Chairman and Managing Director of Union Bank of India, D Sarkar.

16).Which was the second bank to launch Talking ATM in India ?
Ans– State Bank of India.

17). What type of cards can be used at an ATM?
Ans- The ATM cards/debit cards, credit cards and prepaid cards(that permit cash withdrawal)

18). In case the compensation is not credited as mandated, what recourse does the customer have?
Ans-.For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

02/09/2016

1. Negotiations (noun) (बातचीत) – discussion aimed at reaching an agreement

Synonyms – consultation, debate

Antonyms – disagreement

Ex: Many of it requires negotiations with headstrong warriors like A’Ran.

2. Rescue (verb) (बचाव)– save (someone) from a dangerous or difficult situation

Synonyms – salvage, heroics

Antonyms – danger, peril

Ex: Maybe Darkyn is still pi**ed at me for breaking into Hell to rescue our friends a few months ago.

3. Stranded (adjective) (फंसे)– (of a boat, sailor, or sea creature) left aground on a shore

Synonyms – wrecked, ashore

Antonyms – found

Ex: One generation abandons the enterprises of another like stranded vessels.

4. Conflict (noun) (संघर्ष) – a serious disagreement or argument, typically a protracted one

Synonyms – rivalry, strife

Antonyms – accord, stability

Ex: It was a decade of conflict transformation and peace-building.

5. Expeditionary (adjective) (अभियान का)– of or forming an expedition, especially a military expedition

Synonyms – military

Antonyms – civilian

Ex: The expeditionary corps in Sicily also gained some successes in this campaign, and Schomberg invaded Catalonia.

6. Consensus (noun) (चढ़ाव)– a general agreement

Synonyms – consent, concord

Antonyms – dissension, denial

Ex: Consensus held he had taken an abominable col­lection of losers and quickly honed them into perennial also-rans.

7. Alliance (noun) (संधि)– a union or association formed for mutual benefit, especially between countries or organizations

Synonyms – affinity, congruity

Antonyms – division, hostility

Ex: Their alliance off the Council was as important as their balance of power on the Council.

8. Symbolise (verb) (प्रतीक)– be a symbol of

Synonyms –exemplify, epitomize

Antonyms – hide

Ex: Now, I believe in what they try to symbolise, not in the literal fact.

13/06/2016

COUNTRY----NATIONAL SPORTS
United States of America--Baseball
Spain--Bull-fighting
Canada--Ice Hockey
India--Hockey(not official)
Russia--Chess
Scotland--Rugby Football
England--Cricket
Japan--Ju-Jitsu
Australia--Cricket
Pakistan--Hockey
China--Table Tennis

27/05/2016

1. Momentum (noun)

Meaning – something that cause action or activity

Synonyms – boost, encouragement, goad, impetus, incentive

Antonym – brake, inactivity, lethargy, standstill

Usage 1 – In an attempt to give new momentum to their plans, the committee set a date for starting detailed discussions.

Usage 2 – The play loses momentum (= becomes less interesting, energetic, etc.) by its half way stage.

2. Stalled (adjective)

Meaning – stop or cause to stop making progress

Synonym – obstruct, impeded, hindered, muffled, closed, blocked

Antonym – advance, expedite, promote, permit

Usage 1 – Japan’s economic growth has stalled, with industrial production contracting in June for the fourth straight month.

Usage 2 – Commandos stalled the enemy attack by destroying three bridges.

3. Lynching – (noun) – to kill (someone) by mob illegally as punishment for a crime

synonym: execute illegally, hang, kill, string up

Usage 1 – The accused killer was lynched by an angry mob.

Usage 2 – Police arrested eight people, including four minors, for lynching a dentist in Delhi late on Thursday.

4. Dissent (noun) –

Meaning – a strong difference of opinion on a particular subject, to disagree with other people about something

Synonym – differ, disagreement, nonconcur

Antonym – agree, assent, concur

Usage 1 – In a democratic society, individuals who disagree with goverment are allowed to voice their DISSENT by writing, speaking, and even marching in the streets.

Usage 2 – Anyone wishing to dissent from the motion should now raise their hand.

5. Cavalier (adjective)

Meaning – not considering other people’s feelings or safety

Synonym – Careless, offhand, indifferent, casual, dismissive, insouciant, unconcerned,

Antonym – humble, thoughtful, careful, cautious

Usage 1 – Anne was irritated by his cavalier attitude.

Usage 2 – She has a cavalier attitude about spending money.

6. Mar (verb) –

Meaning – to ruin the beauty or perfection of (something), to hurt or damage the good condition of (something)

Synonym – damage, ruin, deface, harm, mutilate, destroy

Antonym – heal, improve, renovate, arrange, develop

Usage 1 – It was a really nice day, marred only by a little argument in the car on the way home.

Usage 2 – I hope the fact that John isn’t coming won’t mar your enjoyment of the evening.

7. Fledgling (adjective)

Meaning – new and without experience, young & inexperienced

Synonym – unqualified, young, inexperienced, new

Antonym – skilled, efficient, adroit, capable

Usage 1 – The current economic climate is particularly difficult for fledgling businesses.

Usage 2 – The fledgling writer could use the benefit of a good editor.

8. Inherited (verb)

Meaning – an inherited situation, problem, department, etc. is one that you have become responsible for dealing with or managing

Synonym – genetic, inborn, hereditary, willed, handed-down, transferred

Antonym – acquired, drifting,

Usage 1 – The inherited economy was recovering strongly, having been very sensibly managed for four years.

Usage 2 – When my brother left for college, I inherited his old computer.

9. Intervene (verb)

Meaning – to get involved, become involved in something (such as a conflict) in order to have an influence on what happens

Synonym – negotiate, arbitrate, mediate,

Antonym – ignore, neglect, leave alone

Usage 1 – The Central Bank intervened in the currency markets today to try to stabilize the exchange rate.

Usage 2 – The military had to intervene to restore order.

10. Obstructionism (noun)

Meaning – the act of intentionally stopping or slowing down an official process

Synonym – blocking, delay, interference, interruption

Antonym – helpfulness, assistance, support

Usage 1 – The party surely dread the kind of obstructionism they themselves practiced during the last Congress.

11. Thwarted (verb)

Meaning – prevent (someone) from accomplishing something.

Synonym – baffled, failed, hindered, obstructed

Antonym – assisted, promoted,

Usage 1 – Our holiday plans were thwarted by the airline pilots’ strikeUsage 2 – She did all she could to thwart his plans.

12. Myopia (noun)

Meaning – disapproving of or refusing to accept ideas or ways of behaving that are different from your own

an unfair and unreasonable opinion or feeling, especially when formed without enough thought or knowledge

Synonym – intolerance, Prejudice, bias

Antonym – tolerance, fairness, adjustment

Usage 1 – The campaign aims to dispel the myopia that AIDS is confined to the homosexual community.

Usage 2 – He had to battle against myopia to get a job.

13. Schism (noun)

Meaning – a division among the members of a group that occurs because they disagree on something

Synonym – division, split, rift, breach, rupture, break, separation, severance, chasm, gulf, discord

Antonym – union, harmony, agreement,

Usage 1 – The schism between my two best friends put me in the awkward position of having to choose one over the other.

Usage 2 – The schism that divided the nation into two separate countries was caused by religious differences.

26/05/2016

Here is today’s list of words

1. Epiphany – noun – a moment of sudden and great revelation or realization – इपिफ़नी

Synonyms – flash, insight

Antonyms – confusion, secret

E.g. – The Epiphany feast takes place on 6th January every year.

2. Ostentatious – adjective – characterized by pretentious or showy display, designed to impress – दिखावटी

Synonyms – classy, conspicuous

Antonyms – calm, moderate

E.g. – They made an ostentatious display of their wealth every time they hosted a party.

3. Facetious – adjective – treating serious issues with deliberately inappropriate humour, flippant – नाली का कीड़ा

Synonyms – amusing, blithe

Antonyms – formal, grave

E.g. – He was suspended from school for being facetious with the principal.

4. Expedite – verb – make (an action or process) happen sooner or be accomplished more quickly – शीघ्र

Synonyms – accelerate, assist

Antonyms – delay, hinder

E.g. – They did their best to expedite the immigration process because of the emergency.

5. Ominous – adjective – giving the worrying impression that something bad is going to happen; threateningly inauspicious –अमंगल

Synonyms – apocalyptic, dangerous

Antonyms – bright, cheerful

E.g. – There was an ominous thunder in the clouds signalling the coming of the storm.

6. Obsolete – adjective – no longer produced or used, out of date – अप्रचलित

Synonyms – antiquated, archaic

Antonyms – current, modern

E.g. – He has been criticized for the use of obsolete expressions in his writings, rendering his works incomprehensible to the present generation.

7. Pensive – adjective – engaged in, involving, or reflecting deep or serious thought – चिंताग्रस्त

Synonyms – contemplative, dreamy

Antonyms – negligent, uncaring

E.g. – The old man sat down on the park bench, deep in pensive thought.

8. Poignant – adjective – evoking a keen sense of sadness or regret – मार्मिक

Synonyms – bitter, disturbing

Antonyms – cheerful, happy

E.g. – Her eyes welled up at the poignant memory.

9. Elusive – adjective – difficult to find, catch, or achieve – मायावी

Synonyms – ambiguous, fleeting

Antonyms – definite, honest

E.g. – Many find the subject elusive in the extreme and thus it has the lowest attendance rate.

10. Contraband – noun – goods that have been imported or exported illegally – तस्करी

Synonyms – bootleg, illicit

Antonyms – legal, permitted

25/05/2016

1. Conundrum – noun – a confusing and difficult problem or question – पहेली

Synonyms – enigma, mystery

E.g. – Conundrums are a popular among modern poets and rap artists.

2. Ethereal – adjective – extremely delicate and light in a way that seems not to be of this world – ईथर का

Synonyms – airy, celestial

Antonyms – poor, earthly

E.g. – An ethereal goddess descended from the heavens.

3. Despicable – adjective – deserving hatred and contempt – नाली का कीड़ा

Synonyms – contemptible, degrading

Antonyms – good, honorable

E.g. – He arrived drunk to the reception and behaved in a thoroughly despicable manner, which compelled us to have him removed from the premises.

4. Misogynist – noun – a person who dislikes, despises, or is strongly prejudiced against women – स्री जाति से द्वेष करनेवाला

Synonyms – misanthrope, sexist

E.g. – He was a misogynist and refused to employ women at his firm.

5. Nihilism – noun – the rejection of all religious and moral principles, often in the belief that life is meaningless – नाइलीज़्म

Synonyms – anarchy, atheism

Antonyms – allowance, approval

E.g. – His nihilism led him to attempt su***de twice.

6. Dichotomy – noun – a division or contrast between two things that are or are represented as being opposed or entirely different – विरोधाभास

Synonyms – difference, disagreement

Antonyms – agreement, likeness

E.g. – The teacher was telling them about the dichotomy within the nation’s politics.

7. Esoteric – adjective – intended for or likely to be understood by only a small number of people with a specialized knowledge or interest – गुप्त

Synonyms – abstruse, arcane

Antonyms – common, familiar

E.g. – Wiccan culture is an esoteric cult that is often misunderstood.

8. Oxymoron – noun – a figure of speech in which apparently contradictory terms appear in conjunction – आक्सीमोरण

Synonyms – adumbration, allegory

E.g. – The phrase ‘mournful optimist’ is a good example of an oxymoron.

9. Caveat – noun – a warning or proviso of specific stipulations, conditions, or limitations – चेतावनी

Synonyms – admonition, alarm

E.g. – Her father gave her a final caveat before sending her on the trip.

10. Bourgeoisie – noun – the middle class, typically with reference to its perceived materialistic values or conventional attitudes – पूंजीपति

Synonyms – company, degree

Antonyms – unemployment, conclusion

E.g. – The bourgeois were astonished to see the expensive car in their modest neighbourhood.

11/03/2016