IBPS Clerk Model papers

Direction: Study the information given below and answer the questions based on it.

Eleven boxes A, B, C, D, E, F, G, H, I, J, K are kept one above the other. Box G is kept at fifth position from the top. Two boxes are kept between G and H. Box D is kept just above box H. There are as many boxes above box D as below box B. Five boxes are kept between box F and box K, which is kept at one of the positions below box G. Box A is kept at one of the positions above box F. Only one box is kept between Box G and Box C. Box I is kept above box E but not just above. Box E is not kept immediately above or immediately below box C.

1. How many boxes are kept between box E and box H?

a) Five

b) Eight

c) Seven

d) Four

e) Six

2. Which of the following box is kept just above box B?

a) D

b) K

c) F

d) C

e) None of these

3. What is the position of box I?

a) 3rd from the top

b) 6th from the bottom

c) 8th from the bottom

d) 7th from the top

e) None of these

4. Which among the following statement is true regarding box J?

a) All are true

b) It is 7th from the bottom

c) It is kept just below box H

d) Only two boxes are kept between box B and box J

e) Box K is placed above box J

5. Which of the following boxes are kept between boxes A and I?

a) J, D

b) A, K

c) F, G

d) C, B

e) None of these

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 Miscellaneous Problems

1. Of three positive numbers, the ratio of the first and second numbers is 3:4 & that of the second and third numbers is 5:6. The product of the second and third numbers is 4320. What is the sum of three numbers?

a) 170

b) 175

c) 172

d) 179

e) 177

2. If the ratio of investment and time period of A and B are 5:3 and 6:7 respectively. Then find the ratio of their profits share?

a) 5:7

b) 10:7

c) 8:5

d) 7:3

e) 4:5

3. Set-A contains 6 consecutive odd numbers and their average is 38 Set-B contains 6 consecutive even numbers and the lowest number of Set-B is 27 more than the highest number of Set-A. What is the average of the numbers in Set-B?

a) 73

b) 75

c) 69

d) 81

e) 79

4. The perimeter of a square is 176 m. Area of a rectangle is 584 sq. m more than the area of the given square. If the breadth of the rectangle is 45 m, what is its perimeter? (in m)

a) 302

b) 192

c) 202

d) 204                                

e) None of these

5. A can complete a work in 15 days and B can complete the work in 20 days. If B works for 8 days and left the job, then in how many days the A can complete the remaining job?

a) 9 days

b) 14 days

c) 10 days

d) 15 days

e) None of these

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Problems on Ages

1. The ratio of ages of Ram and Ravi is 2: 6 and after 5 years the ratio of their age becomes 6: 8. What will be their average age (in years) after 10 years?

a) 10

b) 12

c) 13

d) 18

e) None of these

2. The ratio of the ages of Ajay and Ram is 3: 4. After 5 years, the new ratio of their ages will be 4: 5. What is the age of Ajay present?

a) 15 years

b) 10 years

c) 11 years

d) 14 years

e) None of these

3. The ages of Ramesh and Ram are in the ratio of 6: 5 respectively. After 9 years the ratio of their ages will be 9: 8. What is the difference in their ages?

a) 10 years

b) 11 years

c) 3 years

d) 5 years

e) None of these

4. The total age of A, B and C four years hence will be 98 years. Find the age of C four years hence if the present age of A and B is 32 years and 23 years respectively?

a) 31 years

b) 32 years

c) 30 years

d) 35 years

e) None of these

5. The ages of Ajay and Ganesh are in the ratio 8:15. After 9 years, the ratio of their ages will be 11:18. What is the difference between their ages?

a) 25 years

b) 20 years

c) 22 years

d) 21 years

e) 21 years

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Direction: Study the following information to answer the question:

In a certain code language

“hard work is essential” is written as “ke aj ne se”

“work regularly to end” is written as “ut zn fu aj”

“best part work regularly” is written as  “mu rj ut aj”

“best to priority essential” is written as “ts fu rj se” (All the codes are two letter codes only)

1. What is the code for ‘hard’ in the given code language?

a) aj

b) ut

c) Either ke or ne

d) se

e) zn

2. What is the code for ‘priority’ in the given code language?

a) se

b) ts

c) aj

d) zn

e) rj

3. What does the code ‘se’ stand for in the given code language?

a) regularly

b) best

c) essential

d) priority

e) to

4. What is the code for ‘to part’ in the given code language?

a) aj mu

b) fu aj

c) mu fu

d) mu zn

e) zn ne

5. What may be the code for ‘best inputs regularly’ in the given code language?

a) rj xy zn

b) ut ts nt

c) ut rj zn

d) rj ke ut

e) xy ut rj

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Direction: Find the wrong term in the following number series?

1) 1634, 905, 562, 439, 410, 409

a) 439

b) 410

c) 409

d) 905

e) None of these

2) 28, 66, 128, 224, 348, 518

a) 28

b) 348

c) 66

d) 518

e) 224

3) 16, 40, 100, 250, 630, 1562.5

a) 1562.5

b) 16

c) 630

d) 100

e) 250

4) 2, 3, 8, 31, 154, 924, 6460

a) 3

b) 8

c) 154

d) 924

e) None of these

5) 4, 5.1, 7.3, 10.6, 15, 20, 27.1

a) 5.1

b) 20

c) 7.3

d) 4

e) None of these

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Direction: Rearrange the following six sentences A, B, C, D, E and F in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A. Special care needs to be taken to reform the other State taxes, viz state excise, motor vehicles tax, passengers, and goods tax, and stamp duty and registration fee.

B. That would make the Indian tax system suitable for taking the country towards a new horizon of future growth and prosperity.

C. The introduction of GST in the indirect tax system of the Union and the State Governments and the DTC in the direct taxes of the Union Government will help establish an economically efficient, cost effective and transparent tax system.

D. It would make the Indian tax payer competitive at home as well as in the international market.

E. It is, however, important to remove the bumps and road blocks in its introduction.

F. Also, the other taxes at the state level need to be further reformed.

1. Which of the following should be the FIRST sentence after rearrangement?

a) F

b) E

c) B

d) A

e) C

2. Which of the following should be the SECOND sentence after rearrangement?

a) A

b) B

c) C

d) E

e) D

3. Which of the following should be the THIRD sentence after rearrangement?

a) E

b) F

c) D

d) C

e) B

4. Which of the following should be the FOURTH sentence after rearrangement?

a) B

b) D

c) F

d) E

e) C

5. Which of the following should be the LAST (SIXTH) sentence after rearrangement?

a) C

b) A

c) B

d) D

e) F

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Miscellaneous Questions

1. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group?

a) 19

b) 17

c) 13

d) 6

e) 37

2. What should come in place of the question mark (?) in the following letter series based on the English alphabetical order? BE GJ   ?  QT   VY

a) UX

b) LO

c) SV

d) RU

e) WZ

3. How many such pairs of letters are there in the word GOVERNMENT each of which has as many letters between them in the word (in both forward and backwards directions) as in the English alphabet?

a) None

b) One

c) Two

d) Three

e) More than three

4. How many meaningful English words can be made with the second, the fourth, the sixth and the seventh letters of the word STUMBLE using each letter only once in each word?

a) None

b) One

c) Two

d) Three

e) More than three

5. In a certain code, HRANT is written as UOBSI and PRIDE is written as FEJSQ. How is GOLD written in that code?

a) GPMT

b) TPME

c) EMPH

d) CKNR

e) ETPM

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Ratio and Proportion Problems

1. The ratio of the ages of Ajay and Ram is 3: 4. After 5 years, the new ratio of their ages will be 4: 5. What is the age of Ajay present?

a) 15 years

b) 10 years

c) 11 years

d) 14 years

e) None of these

2. The sum of three numbers is 98. If the ratio of the first to second is 2:3 and that of the second to the third is 5: 8, then the second number is:

a) 20

b) 30

c) 48

d) 58

e) None of these

3. The fourth proportional to 5, 8, 15 is?

a) 18

b) 24

c) 19

d) 20

e) None of these

4. The ratio between the area of a rectangle and a square is 5: 4 respectively. If the side of the square is 8 cm. and the length of a rectangle is 10 cm. what is the breadth of the rectangle?

a)  8 cm

b) 7 cm

c) 8 cm

d) 6 cm

e) 4 cm

5. Two number are in the ratio 3: 5. If 9 is subtracted from each, the new numbers are in the ratio 12: 23. The smaller number is?

a) 27

b) 33

c) 49

d) 55

e) None of these

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Direction: Find the wrong term in the following number series?

1) 657, 656, 327, 108, 25

a) 657

b) 108

c) 656

d) 327

e) 25

2) 797, 420, 197, 97, 47, 22, 9.5

a) 197

b) 47

c) 97

d) 22

e) 420

3) 239, 240, 246, 253, 269, 294, 330

a) 294

b) 240

c) 253

d) 250

e) 246

4) 273, 277, 281, 293, 313, 343

a) 273

b) 313

c) 273

d) 277

e) None of these

5) 14, 15, 32, 97, 400, 2005

a) 15

b) 14

c) 97

d) 97

e) None of these

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Partnership

1. If the ratio of investment and time period of A and B are 5:3 and 6:7 respectively. Then find the ratio of their profits share?

a) 5:7

b) 10:7

c) 8:5

d) 7:3

e) 4:5

2. A and B enter into a partnership with capitals in the ratio 2:3. At the end of 9 months, A withdraws from the business. If their profits are in the ratio 1:2. How long did B invest his capital?

a) 12 months

b) 10 months

c) 6 months

d) 9 months

e) 5 months

3. A, B and C started a business by investing Rs 37,200, Rs. 26,400 and Rs 18,000 If at the end of the year B got Rs 8162 as his share of annual profit, then what is the total annual profit ?

a) 24,486

b) 25,228

c) 25,220

d) 25,229

e) None of these

4. A and B started a business in partnership investing Rs. 10,000 and Rs. 7,500 respectively. After 3 months, C joined them with Rs. 10,000. What will be B’s share in the total profit of Rs 12,000 earned at the end of 1 year from the starting of the business?

a) 1000

b) 1500

c) 1200

d) 1800

e) None of these

5. The ratio of income of Ram and Sham is 5:4 and their expenditure is as 3:2. If at the end of the year, each saves Rs. 1200, then the income of Ram is?

a) 3500

b) 2000

c) 2500

d) 3500

e) 3000

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Direction: Study the information given below and answer the questions based on it.

Eight boxes A, B, C, D, E, F, G and H are place one above the other in any particular order. Box no. 1 is at the bottom and box no. 8 is at the top. Three boxes are placed between A and B. Box H is placed immediately below A. There are two boxes between H and G. There are as many boxes between C and D as between H and B. Box C is kept above D. Box E is kept immediately below box D. Three boxes are there between E and F.

1. Which of the following boxes is kept at the top?

a) B

b) A

c) D

d) E

e) None of these

2. Which of the following boxes is kept between F and A?

a) B

b) G

c) C

d) H

e) None as box F is immediately above box A

3. How many boxes are there between C and A?

a) Less than 2

b) 4

c) 5

d) 6

e) None of these

4. Choose the odd one out?

a) B

b) G

c) A

d) D

e) E

5. How many boxes are there above box D?

a) 4

b) 3

c) 6

d) 2

e) None of these

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Direction: What will come in place of question mark (?) in the given number series?

1) 8, 128, 648, ? , 5000, 10368

a) 2045

b) 2100

c) 2043

d) 2048

e) None of these

2) 540, ?, 90, 22.5, 4.5, 0.75

a) 270

b) 260

c) 273

d) 275

e) None of these

3) 855, 288, 99, 36, 15, ?

a) 11

b) 5

c) 7

d) 7

e) 8

4) 45, 48, 102, 315, 1272, ?

a) 6375

b) 6370

c) 6377

d)  6371

e) None of these

5) 2, 8, 72, ?, 2592, 10368, 93312

a) 280

b) 289

c) 288

d) 281

e) None of these

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Direction (Q.1-5): Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

Mobile technology is transforming the global banking and payment industry by providing added convenience to existing bank customers in developed markets, and by offering new services to the unbanked customers in emerging markets. While consumers and governments are keen to adopt mobile technology for government-to-person (G2P) payments, intermediaries are creating barriers as they end up losing a good source of income.

Any new product for the G2P market needs to consider the incentives and motivations of all parties involved in the current value chain. As banks, mobile network operators (MNOs), NGOs and for-profit firms build new services to seize the opportunity to reach the large unbanked population, they must take time to understand the needs of customers. Even within a country, there are distinct differences in customer needs in urban and rural areas, and across segments. This has the potential to unlock a large untapped market. This opportunity has attracted several new players ranging from MNOs and start-ups to companies from adjacent industries such as retail, each trying its own business model to succeed in this new world. The influx of so many players and services has created confusion for customers, lack of coordination among players and limited scale for a single company. History tells us that after the initial stage of confusion, the dust eventually settles down and a few winners emerge.

1. What does the author mean by 'unbanked customer'?

a) Not having access to the services of a bank.

b) A person who buys goods or services from a financial institution.

c) A customer of a specified kind with whom one has to deal.

d) Both 2 and 3

e) Other than given options.

2. Which of the following is possibly the most appropriate title for the passage?

a) Progress on banking

b) Banking in the future

c) Mobile banking

d) Integration between e-commerce firms and banks

e) Instant banking

3. Which of the following is most SIMILAR in meaning of the word given in bold as used in the passage? UNTAPPED

a) Final

b) Fresh

c) Concluding

d) Latest

e) Last

4. Which of the following is most OPPOSITE in meaning of the word given in bold as used in the passage? INFLUX

a) Invasion

b) Enlargement

c) Advance

d) Incline

e) Ebb

5. Which of the following is/are true according to the passage?

a) With each passing day, banking is becoming narrower.

b) Smart users today have round-the-clock access to their bank accounts and carry their bank in their pockets.

c) Only limited customers can avail all services of bank.

d) All of the above

e) Other than given options

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Direction: Study the given information carefully to answer the given question:

Eight people- M, N, O, P, Q, R, S and T are sitting around a square table (but not necessarily in the same order) In such a way that four of them sit at four corners while four sit in the middle of each of the four sides. The ones sitting at the corners are facing the centre and the ones sitting in the middle of the sides are facing outside (i.e. opposite to the centre).

O sits in the middle of one of the sides. Only two people sit between O and R.T sits to the immediate right of R. T and S face the same direction. N sits to the immediate left of S. P is an immediate neighbour of N. M sits third to the right of P.

1. What is the position of P with respect to T?

a) Second to the left

b) Immediate right

c) Second to the right

d) Third to the right

e) None of these

2. Which of the following statements is TRUE with respect to the given arrangement?

a) Q is an immediate neighbour of T.

b) None of the given statements is true.

c) Only two people sit between M and Q.

d) S sits at one of the corners of the table.

e) R and N face opposite directions

3. Which of the following pairs represent the people sitting between O and the one

sitting to the Immediate right of P, when counted from the left of O ?

a) M,N

b) S, M

c) R,M

d) S,G

e) None of these

4. How many people sit between T and M when counted from the right of T?

a) Three

b) One

c) Two

d) More than three

e) None of these

5. Who sits third to the left of O?

a) P

b) N

c) S

d) R

e) None of these

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Direction (1-3): Study the given Information carefully to answer the given question:

A is 14 m east of B. C is 8 m south of A. P is 4 m west of C. Point C is the midpoint of Points P and H such that points P, C and H form a straight line. Q is 6 m south of Point H.

1. Ravi walks 10 m towards north from point H, takes a left turn and walks for 4 m. How far will he be from Point C?

a) 9 m

b) 7 m

c) 11 m

d) 10 m

e) None of these

2. In what direction is Point B with respect to Point H?

a) North West

b) North East

c) South East

d) North

e) None of these

3. If Point A is 2 m to the north of Point L and Point R is 4 m west of Point Q, how far is Point L from Point R?

a) 11 m

b) 15 m

c) 12 m

d) 14 m

e) None of these

Direction (4-5): Study the given Information carefully to answer the given question:

Point U is 8 m east of point B. Point R is 2 m south of point B. Point R is 7 m north of point S. Point K is between points S and M. Point K is 3 m away from point M. Point Y is 4 m south of point M. Point M is to the east of point S.

4. Point M is in which direction with respect to point R?

a) North – East

b) South - East

c) South

d) East

e) North

5. Point U is in which direction with respect to point S?

a) North – West

b) South

c) West

d) North – East

e) East

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Areas and Volumes 

1. The ratio between the perimeter and the breadth of a rectangle is 5: 1. If the area of the rectangle is 216 sq. cm, what is the length of the rectangle?

a) 16 cm

b) 18 cm

c) 24 cm

d) 23 cm

e) 19 cm

2. Perimeter and area of a rectangle are 88 cm and 43 cm respectively. Then what is the length of the rectangle?

a) 43 cm

b) 44 cm

c) 40 cm

d) 42 cm

e) 39 cm

3. There are two square fields. Of the two square fields one is 1 hectare area while the other is broader by 8% find the difference in area expressed in sq. m?

a) 1364

b) 1554

c) 1664

d) 1896

e) 1483

4. If the length of a rectangle is increased by 10% and breadth is decreased by 5%. Then the change in area is?

a) 4.5% decrease

b) 5% increase

c) 5.5% increase

d) 6% decrease

e) 3.5% decrease

5. The length of a rectangle is 4 cm more than its breadth the perimeter is 68 cm. Then find the area of the rectangle?

a) 295

b) 270

c) 255

d) 285

e) 265

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Direction: What will come in place of the question mark (?) in the given number series?

1) 23, 28, 34, 41, 49,?

a) 59

b) 57

c) 58

d) 55

e) None of these

2) 36, 34, 30, 28, 24,?

a) 20

b) 22

c) 23

d) 26

e) None of these

3) 12, 27, 59,?, 259, 529

a) 120

b) 121

c) 125

d) 129

e) None of these

4) 0, 6, 24, 60, 120, 210, 336, ?

a) 504

b) 501

c) 509

d) 505

e) None of these

5) 2, 5, 14, 41, 122, ?

a) 365

b) 367

c) 375

d) 371

e) 373

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