R.B.I.S.B. (Legal Officer) PY - 2016

PAPER I - General Knowledge of Law

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R.B.I.S.B. (Legal Officer) PY - 2012

PAPER I - General Knowledge of Law

1. In 2006, Reserve Bank of India had set up a panel to recommend the legislation related to regulation of which of the following ?

(a) Capital markets
(b) Money lending
(c) Financial inclusion
(d) None of the above.

2. Which among the following correctly defines Hundi ?

(a) They are slips on paper presented to the customer while purchasing goods.
(b) They are accounts of unorganized sector in India.
(c) They are key instruments of credit in the unorganized money market in India.
(d) None of the above.

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R.B.I.S.B. (Legal Officer) PY - 2009

PAPER I - General Knowledge of Law

1. Which is the amendment which altered the property right as legal right ?

(a) 42nd Amendment
(b) 43rd Amendment
(c) 44th Amendment
(d) None of these.

2. In which case, it was held by the Supreme Court that “ Preamble is the basic feature of the Constitution ” ?

(a) In Re Golaknath
(b) In Re Maneka Gandhi
(c) In Re Swarn Singh
(d) In Re Keshavanand Bharti.

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R.B.I.S.B. (Legal Officer) PY - 2008

PAPER I - General Knowledge of Law

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Model Questions for IBPS CLERK, SO, RRB Exam : Quantitative Aptitude (SET-1)

Q1. (2 + 2 ÷ 2) + (3 + 3 ÷ 3) × (4 + 4 ÷ 4) = ?

(1) 23
(2) 25
(3) 21
(4) 27
(5) None of these

Q2. 40.84 × 5.5 + 4.5 × 6.40 = ?

(1) 253.42
(2) 6453.76
(3) 7843.12
(4) 1300.81
(5) None of these

Q3. 40% of 6.5 + of 8.5 = ? – 5.6

(1) 12.6
(2) 13.9
(3) 17.6
(4) 54.18
(5) None of these

Q4. By selling a table for Rs 350 instead of Rs. 400, loss per cent increases by 5%. The cost price of the table is

(1) Rs 999
(2) Rs 750
(3) Rs 650
(4) Rs 1,000
(5) None of these

Q5. At what rate per cent per annum will the simple interest on a sum of money be of the amount in 10 years?

(1) 5%
(2) 7%
(3) 8%
(4) 6%
(5) None of these

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Answers:

1. (1) 2. (1) 3. (1) 4. (4) 5. (4)

R.B.I.S.B. (Legal Officer) PY - 2016

PAPER II - English

1. Write an argumentative essay of about 500 words on any one of the following topics :

(a) Ban on all tobacco products should be total.
(b) Euthanasia should never be permitted in our country.
(c) Tourism affects environment adversely.
(d) Increase in FDI in Service Sector is not good for our economy.
(e) Media is overstepping its limits.

2. (a) Make a precis of the following passage in 200 words, and give it a suitable title. Write the precis and the title on the sheet provided for this purpose :

The longest running saga in the Indian tax history may well be at an end. After years of re-negotiations, the over three-decade-old tax treaty between India and Mauritius has finally been amended to remove the capital gains exemption, albeit in a phased manner. Ordinarily, one would have expected investors to cry foul, the markets to react violently (like it did in early years of the last decade when the availability of treaty was called into question) and the overall reaction to be very negative.

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R.B.I.S.B. (Legal Officer) PY - 2012

PAPER II - English

1. Write an argumentative essay of about 500 words on any one of the following topics :—

(a) Should we tax the super-rich at a higher rate of income-tax ?
(b) Can Information Technology make banking sector safer and more effective ?
(c) How safe are women in our cities ?
(d) Foreign Direct Investment and its impact on Indian consumers.
(e) Wastage of food–a disturbing trend in India.

2. (a) Make a precis of the following passage reducing it to about 200 words, and give it a suitable title. Write the precis on a sheet provided for this purpose :—

Public interest law movement which came to be known as public interest litigation (PIL) in India and England is perhaps the most striking innovation in Indian judiciary. It emerged as a part of the
legal aid movement directed towards the protection of the rights of minorities, women, children, the downtrodden and weaker sections of the society. The legal system had failed to protect their interests because of lack of access to justice, lack of standing or economic and other disablilities. The traditional legal or constitutional system could not provide quick relief in cases where interest of a large number of people was at stake. This led to the emergence of PIL. Judiciary came forward to provide quick remedy to suffering masses by relaxing the rule of ‘ locus standi ’. It means a right of appearance in a court of justice or before a legislative body on a given question. Such steps have led to the emergence of PIL and Judicial Activism.

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R.B.I.S.B. (Legal Officer) PY - 2009

PAPER II - English

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R.B.I.S.B. (Legal Officer) PY - 2008

PAPER II - English

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R.B.I.S.B. (ASSISTANT MANAGER – RAJBHASHA)

PY - 2015

Translate the following passage into Hindi :—

R.B.I.S.B. (ASSISTANT MANAGER – RAJBHASHA)

PY - 2014

Translate the following passage into Hindi :—

Underdeveloped countries are most susceptible to inflation. Inflation in an underdeveloped economy generally occurs when there is an abnormal increase in the effective demand exerted mainly by the huge government expenditure under the planning process. However, the maintenance of stability in the domestic price level and a fixed, realistic exchange rate are very essential pre-conditions for achieving a maximum rate of sustained economic growth. This needs equilibrium of savings and investment. In an underdeveloped country, however, since the rate of savings is very low, government is usually tempted to raise the level of investment by means of credit expansion and deficit financing. Development efforts of this nature are generally confronted by inflationary price increases. To some economists, inflation is an inevitable price to be paid for economic growth. However, a heated controversy exists as to whether any relationship exists between inflation and economic growth. Nevertheless, it is widely agreed that the policy of development through inflation in underdeveloped countries can be successful and meaningful only if inflation is effectively controlled.

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R.B.I.S.B. (ASSISTANT MANAGER – RAJBHASHA)

PY - 2013

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R.B.I.S.B. WRITTEN EXAMINATION FOR RECRUITMENT TO THE POSTS OF
ASSISTANT MANAGER (RAJBHASHA), GRADE ‘ A ’ PY - 2012

Translate the following para into Hindi :---

Credit growth of Indian commercial banks had been showing a decelerating trend from Dec., 2010 on the back of elevated inflation, interest rates and intensification of supply-side constraints. The year FY12 ended with bank credit growth of 19.3% and aggregate deposit growth of 17.4%. Even though the divergence between credit and deposit growth rates had narrowed during the first three quarters of FY12, it widened during the fourth quarter due to a sharper deceleration in deposit growth in Q4, FY12. This resulted in increased dependence of commercial banks on non-deposit sources of finance (i.e., borrowings) during Q4, FY12.While the deceleration in bank credit growth was contributed by all the sectors, i.e., agriculture, industry, services and personal loans, the RBI data showed that the deceleration was particularly sharp in agriculture, real estate, hotels and restaurants, professional services, telecommunication, power, cement, textiles, iron and steel and personal vehicle loans.

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R.B.I.S.B. WRITTEN EXAMINATION FOR RECRUITMENT TO THE POSTS OF
ASSISTANT MANAGER (RAJBHASHA), GRADE ‘ A ’ PY - 2010

Translate the following para into Hindi :---

The demand for non-food credit from the commercial sector started improving from November, 2009 and eventually posted a growth of 16.9% (y-o-y) by end March 2010 as against the Reserve Bank of India’s indicative target of 16.0%. In the year upto October, 2009 deceleration in non-food credit had continued and reached a low of 10.3%. With the industrial recovery getting increasingly broad-based, demand for non-food credit revived since end November, 2009 and pushed upwards the incremental credit-deposit ratio in the second half of FY 10. While, the state-owned banks played a major role in credit expansion during
FY 10, credit extended by private banks also showed some improvement in FY 10 over last year. However, as per the RBI’s report, the loan portfolio of foreign banks contracted further in FY 10.

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R.B.I.S.B. WRITTEN EXAMINATION FOR RECRUITMENT TO THE POSTS OF
ASSISTANT MANAGER (RAJBHASHA), GRADE ‘ A ’ PY - 2009

Translate the following para into Hindi :---

To speak about the economic environment, while Indian economy is slowly reverting to the growth track, there are strains in the form of continuing contraction in exports and the worst agricultural drought since the year 1972. On the positive side, industrial sector has healthily grown at 5.8 per cent during April-August 2009 as against 4.8 per cent during the corresponding period of the last year. There has been an upturn in the primary capital market activity and a steady revival in debt and equity capital inflows since April, 2009. The banking system also has sufficient liquidity thanks to the excellent liquidity management done by the Reserve Bank of India (RBI) amidst a huge government borrowings programme. On the negative side, inflationary concerns have been mounting from the supply side and the growth in private consumption and investment demand still remains sluggish. The banking industry’s credit growth was just 10.8 per cent (y-o-y) as of October 9, 2009 as against 29.5% (y-o-y) a year ago. The Government is expecting a decline of 2.0 to 2.5 per cent in the agricultural GDP in 2009-10 due to the widespread drought conditions.

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R.B.I.S.B. WRITTEN EXAMINATION FOR RECRUITMENT TO THE POSTS OF
ASSISTANT MANAGER (RAJBHASHA), GRADE ‘ A ’ PY - 2008

Translate the following para into Hindi :---

In India, the crisis has not originated in the financial sector. Much of our banking and insurance sector is state-owned. It does not have any meaningful international exposure due to capital controls and had been restrained in its financing of real estate and the capital markets. Only the NBFCs sector and the Mutual Funds were hit and the NBFCs more because of the regulatory imposed asset liability mismatch in their balance sheets. While 2009 will see an increase in NPAs and lower investment profits for insurers, India will witness nothing of the chaos that is unfolding in the west. The rapid reversal, late last year, of FII flows required to meet redemption pressures abroad led first to a liquidity crisis followed by a credit crisis in India.

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R.B.I.S.B. WRITTEN EXAMINATION FOR RECRUITMENT TO THE POSTS OF
ASSISTANT MANAGER (RAJBHASHA), GRADE ‘ A ’ PY - 2006-07

Translate the following para into Hindi :---

After four years of boasting of 9 % G.D.P. growth and talking of overtaking China, Indians are reluctant to believe that the economy is headed for a serious fall. But the stock market has crashed, an indication of the pain ahead. Western observers have been lavishing praise on India as a coming economic super-power. So, many Indians believe we have achieved 9 % growth because we are so clever and resourceful. This is a delusion of grandeur. In fact, a global tide has lifted the whole world economy and India along with all others. Given our strengths, we will not suffer as badly as some others. But suffer we will.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2015

PAPER II ENGLISH (Writing Skills) Set A

Q. 1. Write an essay of about 400 words on any one of the following topics: 50 marks

a. Government’s Gold related Schemes.
b. Will China’s Downturn help India?
c. Is Progress possible without Peace?
d. India needs bold Capital Investment.
e. Climatic Catastrophes are due to Man’s wild constructions.

Q. 2. Make a précis of the following passage in about 110 words and give it 50 marks a suitable title.

The Department of Industrial Policy and Promotion (DIPP) will start working closely with banks to kick-start the government's Start-Up India initiative in both rural and urban India. Commerce and Industry Minister Nirmala Sitharaman said the government would ensure that startups don't run out of money and that their equity requirements don't go unattended. The minister was talking to the media on the sidelines of a FICCI event.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2015

PAPER II ENGLISH (Writing Skills) Set B

Q. 1. Write an essay of about 400 words on any one of the following topics: 50 marks

a. How can India gain from China’s stock market crisis ?
b. India’s GDP growth will keep rising in the next five years.
c. Tolerance should be the new Religion!
d. Indian economy needs Capital Investment.
e. Man is responsible for Climatic disasters.

Q. 2. Make a précis of the following passage in about 140 words and 50 marks give it a suitable title.

A committee set up by the government to review the international competitiveness of the Indian financial sector has flagged capital controls, mistakes in financial sector regulation and taxation as primary reasons for loss to offshore markets. The finance ministry has sought comments on the first report submitted by a standing council set up by the UPA government. "The Report has recommended phasing of the reform process into short-term actions, medium-term goals and long-term goals and clearly indicates the implementing agencies for them," the finance ministry said releasing the report for public comments.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2014

PAPER I - ENGLISH

1. Write an argumentative essay of about 500 words, on any one of the following :—

(a) Euthanasia, a debatable phenomenon in India.
(b) Media is one of the strongest pillars of democracy.
(c) Role of R.B.I. in controlling the inflation.
(d) Stand of the NDA Government in dealing with corruption.
(e) Uses and misuses of Anti-Dowry Act.
(f) Commonwealth Games-2014 and India.

2. (a) Make a précis of the following passage in your own words, reducing it to about 230 words and give it a suitable title. Use the précis sheet specially provided for this purpose :—

Against the background of a stable recovery of world economy, the 6th BRICS leaders meeting from July, 15th to 16th at Fortaleza, Brazil, with the theme of Sustainable Solutions for Inclusive Growth, is definitely among the most important international events in the second half of this year. It is also an important event for ChinaIndia relations since the President of China has had his first ever meeting with the new Indian Prime Minister on the sidelines of the summit. The BRICS has become an important force to cope with the international financial crisis, in driving global economic growth and in promoting democratization of international relations.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2012

PAPER I - ENGLISH

1. Write an essay of about 500 words on any one of the following :—

(a) Can the Food Security Bill help ?
(b) Has Gold lost its Glitter ?
(c) Sports other than Cricket, are winning us medals today.
(d) How do Hi-Tech gadgets Rule our Lives ?
(e) Environmental disasters are not only due to Global Warming.
(f) Indian Food is popular Worldwide !!

2. (a) Make a precis of the following passage reducing it to about 230 words, and give it a suitable title. Use the precis sheet specially provided for this purpose :—

What do Indians want and what are their concerns? In the rare cases where such questions are asked, there are no surprises: price rise, corruption, job creation, law and order, education and health, the precise ranking varying from survey to survey.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2011

PAPER I - ENGLISH

1. Write an argumentative essay in about 500 words on anyone of the 40 following topics :-

(a) Can technology bring about economic growth with social justice?
(b) Has the RBI succeeded in curbing inflation?
(c) Can we have a corruption-free society?
(d) Has the economic balance of power tilted eastwards?
(e) Is social 'net' working a blessing or a curse?

2. (a) Make a precis of the following passage reducing it to about 230 words 24 and give it a suitable title. Write the precis on the special sheet provided for this purpose :-

Microfinance is now understood as a financial activity. But, it actually emerged from development considerations. The need for access to capital was specifically articulated by women during the UN Conference on Women and Development in Mexico City In 1975. The focus then was on the micro-person, the person with a micro-status in society.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2010

PAPER I - ENGLISH

1. Write an argumentative essay of about 500 words, on anyone of the following :-

(a) Does Politics need Ethics?
(b) Cricket unites the World!
(c) Do Growth and Inflation go together?
(d) Is Environment our Social Responsibility?
(e) Travel and Tourism is a booming business.

2. (a) Make a precis of the following pa;:;sage in your own words, reducing it to about 220 words and give it a suitable title. Write your precis on the special sheet provided for the purpose :-

FOR the head of the IMF to quote Adam Smith may seem unremarkable. But here is Dominique Strauss-Kahn citing the great man in November 2010 : " The disposition to admire, and almost to worship, the rich and the powerful and ...neglect persons of poor and mean condition,..is the great and most universal cause ofthe corruption of our mora1 sentiments."

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2014

PAPER II - Economic and Social Issues

1. Explain different indices for measuring economic development. Which measure is most appropriate according to you and why ?

2. “ Deepening challenge of the climate change is the area that requires immediate global attention”. Discuss.

3. (a) Explain the provisions under MGNREGA.

(b) Examine the challenges of Direct Benefit Transfer (DBT) with respect to MGNREG Scheme.

4. Examine the inter-relationship of food inflation and rising wages in rural areas of India.

5. Explain the causes of India’s rising sexual crime graph. What measures would you suggest to prevent the same?

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2012

PAPER II - Economic and Social Issues

1. (a) Distinguish between economic growth and economic development.

(b) Explain various aspects of economic development incorporating the core values of development.

2. (a) Explain the linkage between environment and economic development.

(b) Comment on the new theme of Rio+20 conference: ‘Green economy path to sustainable development.’

3. (a) ‘Monetary policy is not a panacea for India’s long term economic challenges’. Discuss.

(b) Explain the comparative performance of public sector banks, new private sector banks and foreign banks in India after the introduction of reforms.\

4. (a) What are the factors that influence rural-urban migration?

(b) How does migration affect economic development?

5. (a) Examine the position of women in informal sector.

(b) Why does female labour force participation ratio decline with better economic conditions in India ?

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2011

PAPER II - Economic and Social Issues

1. Examine the banking sector reform measures undertaken in India since 1991. Briefly describe the recent changes in RBI’s monetary policy.

2. (a) What is sustainable development ? What should be done to achieve it ?

(b) What is environment management ? Explain social and economic aspects of environment management.

3. (a) Do you agree with a view that public sector enterprises have played a strategic role in accelarating economic growth. Explain.

(b) Explain the importance of service sector and its contribution to employment in India.

4. (a) “ Monetary measures have failed to control inflation in India.” Explain.

(b) Suggest suitable options for controlling inflation.

5. Explain the measures and strategies adopted by India on the following subjects

(a) Provision of Social Security
(b) Foreign Direct Investment.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2010

PAPER II - Economic and Social Issues

1. (a) ‘ Inequality of income distribution is a global phenomenon ’. Discuss.

(b) Suggest suitable measures to reduce inequality of income in rural and urban sector in India.

2. Examine the impact of policy of liberalisation on rural and urban employment and poverty.

3. (a) Critically evaluate India’s Free Trade Policy in the post reform period.

(b) Explain the recent developments in the exchange rate of rupee.

4. ‘ Development projects are considered as temples of modern India ’. Justify your answer with reference to their impact on environment and health.

5. (a) What are the objectives of population policy of India ?

(b) Describe briefly the government programme for stable population.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2014

PAPER III - Finance and Management

1. State the different types of exchange risks inherent in foreign exchange business.

2. Briefly explain the Union Budget, 2014-2015 provisions relating to financial, banking and insurance sectors.

3. Trace the developments in financial sector reforms in India since 1991.

4. (a) Explain in brief the provisions of R. B. I. Act,1934.

(b) Write a note on R. B. I. ’s attempt in giving differential licenses for small banks.

5. Write short notes on any two of the following :—

(i) SEBI
(ii) Stock Exchanges
(iii) Service Tax
(iv) Syndicated Loans.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2012

PAPER III - Finance and Management

1. Highlight the salient features of the Union Budget 2013-14.

2. “High inflation is a source of internal and external disequilibrium”-Explain the statement with reference to CAD (Current Account deficit) and weakening of the rupee.

3. ‘Indian forex management had evolved from FERA to FEMA’. Discuss.

4. Briefly state the provisions relating to the Non Banking Financial Companies (NBFCS) under Chapter III B of the RBI Act, 1934.

5. Write short notes on any two of the following :—

(a) Securitisation
(b) Stock market index
(c) Swaps
(d) Sub-standard assets.

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R.B.I.S.B. (Gr-B-DR-Gen) PY - 2011

PAPER III - Finance and Management

1. What is meant by merchant banking ? Discuss in detail the various functions performed by merchant bankers.

2. Briefly explain the salient features of the Foreign Exchange Management Act.

3. “ A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future generations.” Explain.

4. Explain in detail the different methods of credit control in India.

5. (a) What is securitization ? What purpose does it serve ?

(b) Discuss the benefits and limitations of securitization.

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