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Old November 16th, 2017, 03:24 PM
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Default Indian Bank PO Exam

I am searching for sample question papers for PO Recruitment Exam of Indian Bank. So do you have any idea from where I can download sample question papers of PO Recruitment of Indian Bank?
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  #2  
Old November 16th, 2017, 04:26 PM
Garima Chauhan
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Default Re: Indian Bank PO Exam

As you want to download sample question papers of PO Recruitment Exam of Indian Bank, so I am providing sample question paper:

Indian Bank PO Recruitment Exam Sample Question Paper

Q1 to 10.) Directions: Read the passage given below and then answer the questions given below the passage. Some words may be highlighted for your attention. Pay careful attention.

UPI is an online payments solution which will facilitate the transfer of funds instantly between person and person (or peer to peer) using a smart phone. UPI can be used both to send and receive funds. The system was launched this April by the then RBI Governor Raghuram Rajan, and it is now operational. The National Payments Corporation of India (NPCI), the regulatory organisation for all retail payments systems in India, which was set up with the guidance and support of the RBI and Indian Banks’ Association (IBA), is pushing the solution.

Popular online payment services currently, the National Electronic Funds Transfer (NEFT), Immediate Payment Service (IMPS), or Real-time Gross Settlement (RTGS) require a user or a customer to register on the bank’s website, add a beneficiary, and share details of bank accounts. In UPI, a user just needs to download the UPI app — offered by several banks
— from the Google Play Store on an android phone, register details, and create a virtual address. This can be your mobile number or any unique mail address. After that, you can send or receive funds up to Rs 1 lakh to or from another person or establishment after a request from a person on the other leg of the transaction who too has a unique virtual address or ID. This is done instantly, with the bank authenticating it.

This is how the whole process works: For instance, your local shopkeeper can send a request to pull funds for the purchases you have made after sending a request on your unique virtual address. You can confirm the payment by saying OK and the payment will be carried out instantly after being validated at the back end by the bank. And you can receive cash through this system in the same way.

The difference between UPI and payment modes such as NEFT and IMPS is that bank account details are not shared in the transaction, and transactions can be made 24×7 all year round. NEFT transactions do not happen on holidays and during non- banking hours, there are limitations in funds transfer; in IMPS, account details and details like the 11- digit Indian Financial System (IFS) Code, which indicates a bank’s branch code, have to be entered. The other advantage is that it is possible to have multiple unique virtual addresses and use multiple bank accounts, and without necessarily having to go through your own bank for a variety of transactions. For the shopkeeper or other large establishments, it also means not having to run the transaction through an electronic machine such as a card reader.

For now, only 29 banks have signed up. Biggies such as State Bank of India and HDFC Bank are yet to come onboard, but are expected to join soon. Restricting the service to just banks could be because in the initial stages, the central bank and NPCI would want to observe how the system works, and to gain a measure of comfort before opening it up to other players too. Some see this as a move to protect banks. Mobile wallets and other online payment modes are becoming popular due to this. Then there are the new payment banks, which have been licensed by the RBI. Besides, the NPCI has been promoted by banks, which may have an interest in keeping other players out for now.

Q1. Why has been the restriction of the UPI service seen by some as a move to protect banks?
1. The RBI and NPCI would want to observe the feasibility of the system before it is implemented elsewhere.
2. New payment modes and payment banks are becoming popular day by day.
3. Banks are losing their customer base with people migrating towards new age technologies.
4. There is a rise in the number of transactions through the electronics mode compared to cheques.
5. The RBI and the NPCI want to get biggies such as SBI and HDFC onboard.

Q2. What are the advantages of UPI over already existent payment modes?
1. Transactions can be done without sharing the bank account details and the transactions are processed immediately.
2. UPI is regulated by the NPCI and therefore, all the transactions are safe and secure.
3. The UPI will play an important role in migrating towards a cashless economy.
4. (1) and (3).
5. All of the above.

Q3. What is the rationale of migrating towards of a cashless economy?
1. It will decrease tax rates and people will start paying taxes honestly.
2. It will help bankers analyse the transactions so that they can firm up approvals for credit to customers.
3. With the rising number of Smartphone, it makes sense in migrating towards cashless economy.
4. It will reduce the flow of cash and also the evasion of tax, thus lead to faster growth of the country.
5. The merchants and traders will not need to run every transaction through an electronic machine such as the card reader.

Q4. Why are electronic transactions gaining popularity?
1. Transferring funds online is much easier compared to cheques.
2. There are a billion mobile phone subscribers in India.
3. There is a rise in the number of Smartphone users in India.
4. (1), (2) and (3)
5. (2) and (3)

Q5. Who regulates the NEFT, RTGS and IMPS payment services?
1. Finance Ministry.
2. National Payments Corporation of India (NPCI).
3. Indian Banks’ Association (IBA).
4. United Payment Interface (UPI).
5. Reserve Bank of India (RBI).

Q7. Which of the following is most opposite in meaning to the word ‘facilitate’ as
given in the passage?
1. Enable
2. Assist


3. Fetter
4. Impede
5. Derail
Q8. Which of the following is most similar in meaning to the word
‘beneficiary’ as given in the passage?
1. Payee
2. Inheritor
3. Enemy
4. Legatee
5. Recipient
Q9. Which of the following is most similar in meaning to the word ‘limitation’ as
given in the passage?
1. Curtail
2. Reticent
3. Constraint
4. Inhibition
5. Candour
Q10. Which of the following is most opposite in meaning to the
word ‘validated’ as given in the passage?
1. Belied
2. Declined
3. Discredited
4. Corroborated
5. Disagreed

Q11 to 20.) Directions: In the following passage there are blanks each of
which has been numbered. The numbers are printed below the passage and
against each five words are suggested one of which fits the blank
appropriately. Find out the appropriate word in each case.
5|Page

The American Revolution, also known as the American War of Independence and the
Revolutionary War in the United States, was the __ (A) __conflict between Great
Britain and thirteen of its North American colonies, which had declared themselves the
independent United States of America. Early fighting took place primarily on the North
American continent. The American Revolutionary War had its origins in the __ (B)
__of many Americans to taxes, which they claimed were unconstitutional, imposed by
the British parliament. Patriot protests escalated into __ (C) __, and on December 16,
1773, the destruction of a shipment of tea at the Boston Tea Party. The British
government __ (D) __ by closing the port of Boston and taking away self-government.
The Patriots responded by setting up a __ (E) __ government that took control of the
province outside of Boston. Twelve other colonies supported Massachusetts, formed
a Continental Congress to coordinate their resistance, and set up committees and __
(F) __that effectively seized power. The Continental Congress appointed
General George Washington to take charge of militia units __ (G) __British forces in
Boston, forcing them to evacuate the city in March 1776. Meanwhile, the British were
__ (H) __forces to suppress the revolt. Sir William however __ (I) __and defeated
Washington, capturing New York City and New Jersey. General Howe’s situation was
__ (J) __, and the British fled on March 17, 1776, sailing to their naval base at Halifax,
Nova Scotia, an event now celebrated in Massachusetts as Evacuation Day.
Q11. Which of these words appropriately fits blank labelled (A)?
1. Organized
2. Armed
3. Fortified
4. Girded
5. Accoutred
Q12. Which of these words appropriately fits blank labelled (B)?
1. Resistance
2. Fuss

3. Hostility
4. Reluctance
5. Aversion
Q13. Which of these words appropriately fits blank labeled (C)?
1. Imprisonment
2. Resistance
3. Boycotts
4. Punishments
5. Arrests
Q14. Which of these words appropriately fits blank labelled (D)?
1. Punished
2. Enforced
3. Reacted
4. Retaliated
5. Replied
Q15. Which of these words appropriately fits blank labelled (E)?
1. Shadow
2. Replica
3. Model
4. Regressive
5. Kind
Q16. Which of these words appropriately fits blank labelled (F)?
1. Scripts
2. Finances
3. Conventions
4. Drafts

5. Media
Q17. Which of these words appropriately fits blank labelled (G)?
1. Besieging
2. Awarding
3. Rewarding
4. Annoying
5. Representing
Q18. Which of these words appropriately fits blank labelled (H)?
1. Marking
2. Convincing
3. Mastering
4. Labelling
5. Mustering
Q19. Which of these words appropriately fits blank labelled (I)?
1. Beat
2. Fooled
3. Outmaneuvered
4. Preached
5. Prevented
Q20. Which of these words appropriately fits blank labelled (J)?
1. Favourable
2. Comfortable
3. Invincible
4. Untenable
5. Supportive
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