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STUDY MATERIAL For Promotion From Sub Staff to Clerical Cadre

ALL INDIA ANDHRA BANK AWARD EMPLOYEES’ UNION

506, 5th Floor, Taramandal Complex, Saifabad, Hyderabad – 500004

Phone: 040-23243377 Fax: 040-23298239

E mail: aiabaeu@gmail.com, Web Site: www.aiabaeu.com

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Date: 17.12.2017

Dear Comrade, We are happy to provide Study Material for the Sub Staff who are appearing for the Written Test on 07.01.2018 (Sunday) for Promotion from Subordinate Staff Cadre to Clerical Cadre under Merit Quota. We hope that this material will be a helping tool for the promotion aspirants under Merit Quota. The Written Test under Merit Quota is for 60 MARKS and will comprise of two parts – TEST OF GENERAL ENGLISH & TEST OF ARITHMATIC. The Questions / Problems will be of 10th/ SSC/ Matriculation Standard. The study material is only a compilation. Candidates have to prepare more on their own. Our All India Andhra Bank Award Employees’ Union has arrived at a modification Settlement dated 06.01.2017 with Andhra Bank Management for Promotion from Subordinate Staff to Clerical cadre removing the Interview. The Settlement is circulated by Andhra Bank Head Office Circular No.408 dated 30.01.2017. With the continuous efforts put in by our Union for the Financial Year 2017 – 2018 also 125 Sub Staff Promotions were declared (Refer Head Office Circular No.313 dated 30.11.2017.)

Yours Comradely,

(T RAVINDRANATH) General Secretary Mobile: 98480 21644

ALL INDIA ANDHRA BANK AWARD EMPLOYEES’ UNION (Affiliated to AIBEA)

506, 5th Floor, Taramandal Complex, Saifabad, Hyderabad - 500004. Phone: 040-23243377 Fax: 040-23298239

E mail: aiabaeu@gmail.com Website: www.aiabaeu.com

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SUB STAFF TO CLERICAL PROMOTIONS STUDY MATERIAL FOR WRITTEN TEST - MERIT QUOTA

E N G L I S H

ESSAY WRITING Essay is a written composition giving expression to one's own personal ideas or opinions on some topic. Essays may be classified as Narrative essays, Descriptive essays, expository essays, reflective essays and imaginative essays Important points to remember while writing an essay: 1. Paragraphs- every essay should be divided into paragraphs 2. Structure of an essay can be divided into three parts: A. The Introduction-can be a definition, quotation, proverb, very brief story or general remark leading upto the subject B. The body of the essay- this is the real essay itself. The paragraphs should be well constructed and should relate to one another. Avoid unnecessary words. C. The conclusion-As the introduction should arouse interest to continue reading , the conclusion should effective to satisfy it. Self study An essay has to be written in not more than 200 words on: (i) any subject of general interest or (ii) about an eminent person or (iii) an interesting personal experience/incident Practice paper: 1. The importance of success 2. Good health 3. India, my country 4. A visit to a Hill station 5. Global warming 6. Earthquake 7. TV advertisements and children 8. Is today's education effective for our children 9. Population growth 10. India in 2020

Letter Writing Letters are messages and letter writing is an art. There are different kinds of letters like friendly letters, business letters, etc. . Each letter has its own particular form, but certain matters of form apply to all letters which are discussed below: For easy learning let us discuss : a) Formal letters & b) Informal letters Formal letters are like letters written to persons not personally known like Government departments, business firms, public organizations, municipal authorities, etc. How to write a formal Letter (business letter)? Formal letters are written to higher officials, editors, government authorities, management personnel etc. Formal letters have a basic format to follow. 1. Heading

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2. Salutation or Greeting 3. Subject 4. Body-Message 5. Subscription-salutation-conclusion 6. Signature A. HEADING Writer's address is written here. Never write your name before the address. • B. DATE Date should be placed right below the address leaving two – three lines • RECEIVER'S ADDRESS It consists of the name and the complete address of the firm or individual to whom the letter is sent. • SUBJECT The subject column is the place where the central theme of the formal letter is indicated concisely • SALUTATION Write the salutation here. To Whom SalutationFor people not known Dear Sir/Madam, Sir/Madam, Dear Sirs For people known (slightly personal) Dear Mr…./Dear Ms…/Dear Messrs. x & y Example: For Officials, Editors use Dear Sir/Madam For customers/clients use Dear Mr / Ms / Mrs and name For government or higher authorities use Sir/Madam • BODY OF THE LETTER Next to salutation comes the body of the letter. Its usually written in three paragraphs. In paragraph 1 we usually make self introduction and express our purpose of writing the formal letter In paragraph 2 we write the details of the problem/ topic /issue or in case of job application this part will carry our strength and capability and the reason for applying for the job. In paragraph 3 we express what we want the reader to do. Our hope, warning, appeal, conclusion, comment or suggestion is expressed here. • CLOSING/Subscription While closing formal letter use Yours truly or Yours faithfully or sincerely. Y should be in capitals and the following word in small caps. Do not use apostrophe for ‘yours’. If salutation Then closing/subscriptionDear Sir/Madam, Sir/Madam, Dear Sirs Yours faithfully,Dear Mr…./Dear Ms… Yours sincerely, • SIGNATURE The last part will be the signature and designation of the person writing the formal letter. Below the signature, write full name within brackets and designation of the writer, if required .

How to write an informal Letter (social letter)? Personal letters are written to friends, acquaintances, relatives or colleagues at work.

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1. Heading 2. Salutation or Greeting 3. Body-Message 4. Subscription-salutation-conclusion 5. Signature A. HEADING Writer's address is written here. Never write your name before the address.

• B. DATE Date should be placed right below the address leaving two – three lines • SALUTATION Write the salutation here. To Whom SalutationNear relatives Dear Mom, Dear Daddy, Dear Uncle …, etc. Close friends Dear Shyam, My dear Sada Acquaintances Dear Mr. Prasad, Dear Miss Rama • BODY OF THE LETTER-Write in good language in one or more paragraphs • CLOSING/Subscription To Whom Salutation Near relatives Yours affectionately, Your affectionate son/sister/uncle, Your loving son/daughter Close friends Yours sincerely, Yours ever, Your friendAcquaintances Yours sincerely, • SIGNATURE

Blank Format: Business Letter Return /writer's Address Line 1 Return/writer's Address Line 2 Date (Month Day, Year) Mr./Mrs./Ms./Dr. Full name of recipient. Title/Position of Recipient. Company Name Address Line 1 Address Line 2 Subject: Title of Subject Dear Sir/Madam/ Dear Sirs/ Dear Ms./Mrs./Mr. Last Name/S: Body Paragraph 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Body Paragraph 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Body Paragraph 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closing (Yours Sincerely/Yours faithfully), Signature (Your Name ) Your Title Blank Format: Friendly letter (heading)________________________________________(address of writer)____________________(date)Dear _____________, (greeting) Body Paragraph 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Body Paragraph 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Body Paragraph 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (closing)____________________(signature) Practice Tests 1. Write a letter to your Branch Manager , informing him about extension of your leave on medical grounds 2. Write a letter to a colleague, congratulating her on her success in the written examination 3. Write a letter to your son advising him to focus his attention on studies and aim for a good career. Use of given words in sentences For example: 1. Recent: In the recent earthquake in Japan thousands of lives were lost 2. Graceful : She looked graceful in her new dress 3. effect: His speech produced no effect on the audience 4. Artiste : 5. skill 6. power

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7. appreciate 8. elude 9. region 10. product 11. taste 12. star 13. player 14. sincere 15. immense Fill in the blanks with suitable words/phrases 1. I watch ……………… (radio/mobile/television) a lot. 2. Can you …………… (off, turn off, of) the Television 3. Will you be …………………. (home, at home, in home) this evening? 4. I spoke to him……………. (on phone, by phone, on the phone) last night 5. I cut the paper ……………. (with, by , from) a pair of scissors 6. Some people …………….. (talk, speak, tell) about their work all the time 7. He left …………. (to, towards, for) Delhi 8. The burglars ……………….. (break into, broke, broke into) the shop. 9. Please ………………. (look to, look, look into) the matter carefully. 10. I always make a ……………..(principle/principal/) to pay my regards to elders.

Present/Past/Past Perfect Tenses The three main divisions of time are present, past and future. The verb of a sentence has most to do with denoting time. So in simple words we can say there are three tenses of the verb- namely the present tense, past tense and the future tense. Tense means time.

The Tense of a verb shows the time of an action or event. These tenses are further sub-divided

as follows:

Present tense Past tense Future tense

Simple Present Ex: I speak Simple Pastex: I spoke Simple Future Ex: I shall/will speak Present continuous Ex: I am speaking Past continuousEx: I was speaking Future continuous I shall/will be speaking Present Perfect Ex: I have spoken Past PerfectEx: I had spoken Future Perfect I shall/will have spoken Present Perfect continuous Ex: I have been speaking Past Perfect continuousI had been speaking Future Perfect continuousI shall/will have been speaking

Self-Test Complete the sentences with Present/Past/Past Perfect /Future tenses from the choices given below: 1. The earth ……………. (move, moves, moved) round the sun. 2. I …………… (bought, have bought, had bought ) a new bicycle last week 3. She …………….. (looks, looking, is looking) worried about something. 4. We …………….. (study, am studying, have been studying) English for five years 5. I ……………….. (did, have done, had done) a lot of work today. 6. He ………………… (watches, is watch, is watching) TV most evenings 7. Don't disturb me. I ………….. (do, did, am doing) my homework.

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8. He ………………… (is driving, was driving, drove) fast when the accident happened. 9. He thanked me for what I ……………. .. (have done, had done, have been doing) 10. When I reached the station the train ……………………. (started, had started, had been started) Degrees of comparison

(positive, comparative & superlative) Adjectives can take three forms positive, comparative and superlative. They are called the three degrees of comparison. The positive degree indicates an adjective in its simple form. It denotes the mere existence of some quality. It is used when there is no comparison. Ex. Gold is a precious metal In a comparative degree there is always a comparison between two things or two set of things. The comparative degree indicates a higher degree of the quality than the positive. It is used when two things are compared. Ex. Gold is more precious than silver The superlative degree denotes the highest degree of quality and is used when more than two things are compared Ex. Gold is the most precious of all metals Formation of the comparative and superlative Most adjectives of on syllable or some of two form the comparative by adding er and the superlative by adding est to the positive Positive Comparative SuperlativeSmall Smaller SmallestBright Brighter BrightestRich Richer RichestWeak Weaker weakestCold colder ColdestWhen the positive ends in e , only r and st are added Positive Comparative SuperlativeLarge Larger LargestFine Finer FinestWise Wiser wisestWhen the positive ends in y, and is preceded by a consonant , y is changed into I before adding er and est Positive Comparative SuperlativeHeavy Heavier HeaviestEasy Easier Easiest

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Lazy Lazier laziestThe last consonant is doubled , if a word of one syllable ends in a single consonant and is preceded by a short vowel Positive Comparative SuperlativeBig Bigger BiggestFat Fatter FattestSad Sadder saddestMost adjectives of more than two syllables and many with two form the comparative by adding more before the positive and the superlative by adding most before the positive Positive Comparative SuperlativeBeautiful More beautiful Most beautiful Difficult More difficult Most difficultUseful More useful Most usefulSome adjectives are compared irregularly, their comparative and , superlative are not formed from the positive Positive Comparative SuperlativeBad, evil, ill Worse WorstGood, well Better BestMuch, many More MostLate Latter, later Llast,latestOld Older, elder Oldest, eldest

Self-Test Fill up the blanks with Degrees of comparison (positive, comparative & superlative) 1. Lead is …………………….than all other metals (HEAVIER) 2. Delhi is one of the ………………. Cities in India (biggest) 3. Prevention is ……………… than cure. (better) 4. Ooty is ……………….than Hyderabad (colder) 5. Mount Everest is the…………………peak of the Himalayas (highest) 6. He is the ………………. Of my two sons (elder) 7. Andhra Bank has been adjudged as the …………… midsized Bank (best) 8. The pen is ………….than the other (mightier) 9. Sachin Tendulkar is the …………….batsmen in the world (best) 10. The Taj Mahal is more ………………… than any other tomb in the world.(beautiful)

Interchange of active voice and passive voice In the active sentence the focus is on doer of the action. Therefore it is called Active Voice

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In the passive sentence the focus is on the receiver of the action. Therefore it is called Passive Voice. Examples

ACTIVE VOICE PASSIVE VOICE She buys a book A book is bought by her He disgusts me I am disgusted with him He wrote a letter A letter was written by him I shall write a letter A letter will be written by me They play the match The match is played by them I know him He is known to meHe had to pay the fine The fine had to be paid by him She was reading a book A book was being read by her Our team may win the cricket match The cricket match may be won by our teamThe driver opened the door The door was opened by the driver Self-Test Change the voice of the following 1. You must do your practice papers 2. By whom were you given these orders? 3. My Manager gave me a book. 4. They had to take the injured man to hospital 5. He kept me waiting 6. The branch was opened only last month 7. When were these houses built?

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8. He agreed to dispose off his property? 9. Let the door be opened 10. John does not eat bananas. Words of opposite meaning Words of opposite or contrary meaning are known as Antonyms. Some words of opposite meaning are given below:

absence presence accept refuse

accurate inaccurate advantage disadvantage

alive deadalways neverancient modern answer question, query

approval disapproval approached receded, departed

abundant scarceadmit deny

advance retreat, retire

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artificial naturalarrival departure ascend descend attack defense

attractive repulsive attention inattention

asleep awakeAlly, friend enemy

agree disagree bad good

backward forward, onward bend straighten

beautiful uglybeginning ending

below abovebent straight big small, little

blunt sharpbetter worsebest worst

blame praise

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bless cursebitter sweet

borrow lendbravery cowardice

build destroy, demolish bold timid, meek

bright dullbroad narrowclear vague, cloudy

careful rush, careless calm troubled

capable incapable captivity freedom, liberty

cellar atticcheap dear, expensive close distant

clever stupidcold hot

combine separate clockwise anti-clockwise

correct incorrect

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conceal revealcome go

common rarecomfort discomfort courage cowardice

cruel kindcourteous discourteous, rude cunning simpledainty clumsydanger safety

dark lightdeep shallow

decrease increase definite indefinite demand supplydespair hope

disappear appeardisease health

discourage encourage dismal cheerful doctor patient

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dry wetdull clear, bright dusk dawnearly lateeasy difficult ebb flowEast West

economise wasteencourage discourage entrance exitemployer employee

empty fullexcited calm

end beginning expand contract

expensive inexpensive, cheap export import

exterior interior external internal

fail succeed false true

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feeble sturdy, strong, powerful foolish wise

fast slowfew many

famous unknown forelegs hind legs

fat thinfind losefirst last

freedom captivity fold unfold

frequent seldomforget remember found lostfresh stalefriend enemy

fortunate unfortunate frank secretive

full emptygenerous mean

gentle rough

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gather distribute glad sorry

gloomy cheerful giant dwarf, pygmy

granted refusedgreat minute, small, little

guardian wardguest hostguilty innocent happy sad, miserable hard soft

harmful harmless hasten dawdle

hate lovehealthy unhealthy, ill, diseased

here thereheavy lightheight depthhero cowardhill valley

horizontal vertical

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hinder aid, help honest dishonest humble proudhunger thirst

imitation genuine immense tiny, minute imprison freeinclude exclude increase decrease

inhabited uninhabited inferior superior inside outside

intelligent unintelligent, stupid inhale exhale

interior exterior, outside interesting uninteresting, dull

internal external intentional accidental

join separate junior seniorjustice injustice

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king subjectknowledge ignorance

laugh crylawful unlawful

lazy industrious, energetic land sea

landlord tenantlarge little, small last first

lawyer clientlecturer student lender borrower

lengthen shorten left rightless morelight dark, heavy like dislike, unlike

likely unlikely leader follower little large, much, big lofty lowly

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long shortloud softloss find, win low high

loyal disloyal mad sane

magnetize demagnetize master servantmature immature

maximum minimum me you

merry mirthless, sad minority majority

miser spendthrift misunderstand understand

narrow widenear far, distant neat untidynew oldnight daynoisy quiet

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North Southobedient disobedient

odd evenoffer refuseopen shut

optimist pessimist out in

parent childpast present

patient impatient peace war

permanent temporary please displease

plentiful scarcepoetry prose

possible impossible poverty wealthy

powerful feeble, weak polite impolite, rude

private publicprudent imprudent

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pretty unsightly, ugly pure impure

qualified unqualified rapid slow

regularly irregularly rich poorright wrong, left rigid soft

rough smoothsatisfactory unsatisfactory

security insecurity scatter collectserious trivial

second-hand newsense nonsense

shopkeeper customer singular pluralsimple complicated

slim thick, stout solid liquidsober drunk

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speaker listener sour sweet

sorrow joysow reap

stand liestraight crooked strong weak

success failuresunny cloudytake givetall short

tame wildteacher pupil

thick thintight slack, loose top bottom

transparent opaquetruth untruth, lie

up downvacant occupied

valuable valueless

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victory defeatvirtue vicevisible invisible

voluntary compulsory vowel consonant wax wane

wisdom follywithin without

Write /fill the Words of opposite meaning of the underline word: 1. Choose the word ………… opposite in meaning to deny 2. This is a Modern piece of art (opposite of underline word) 3. He should accept the offer. But he should not…………. it. 4. Joy is to grief as fail is to …………. 5. This is not a temporary structure but a ………….. Structure. 6. Simple is to complicated as dangerous is to ………. 7. Children should be ……………. to learn through mistakes but not discouraged from committing mistakes. 8. You should be broad minded person but not ………….. minded 9. "Prosperity makes friends, ……………tries them." 10. Information on Arrival and ………………… of trains are available in the IRCTC site. ANSWERS

Fill in the blanks with suitable words/phrases 11. I watch television a lot. 12. Can you turn off the Television 13. Will you be at home this evening? 14. I spoke to him on the phone last night 15. I cut the paper with a pair of scissors 16. Some people talk about their work all the time 17. He left for Delhi 18. The burglars broke into the shop. 19. Please look into the matter carefully. 20. I always make a principle to pay my regards to elders. Self-Test Complete the sentences with Present/Past/Past Perfect /Future tenses from the choices given below: 11. The earth move round the sun. 12. I bought a new bicycle last week 13. She looks worried about something. 14. We have been studying English for five years 15. I have done a lot of work today.

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16. He watches TV most evenings 17. Don't disturb me. I am doing my homework. 18. He was driving fast when the accident happened. 19. He thanked me for what I had done 20. When I reached the station the train had started . Self-Test Fill up the blanks with Degrees of comparison (positive, comparative & superlative) 11. Lead is heavier than all other metals 12. Delhi is one of the biggest Cities in India 13. Prevention is better than cure. 14. Ooty is colder.than Hyderabad (colder) 15. Mount Everest is the highest peak of the Himalayas 16. He is the elder of my two sons (elder) 17. Andhra Bank has been adjudged as the best midsized Bank 18. The pen is mightier than the other 19. Sachin Tendulkar is the best batsmen in the world 20. The Taj Mahal is more beautiful than any other tomb in the world. Change the voice of the following 11. You must do your practice papers Your practice papers must be done by you 12. By whom were you given these orders? Who gave you these orders? 13. My Manager gave me a book. I was given a book by my manager A book was given to me by my Manager 14. They had to take the injured man to hospital The injured man had to be taken to hospital 15. He kept me waiting I was kept waiting 16. The branch was opened only last month They opened the branch only last month 17. When were these houses built? When did they build these houses?

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18. He agreed to dispose off his property? His property was agreed to be disposed off by him 19. Let the door be opened Open the door. 20. John does not eat bananas. Bananas are not eaten by John. Words of opposite meaning Write /fill the Words of opposite meaning of the underline word: 11. Choose the word (allow/permit) opposite in meaning to deny 12. This is a Modern piece of art (opposite of underline word) (antique) 13. He should accept the offer. But he should not(refuse) it. 14. Joy is to grief as fail is to (succeed) 15. This is not a temporary structure but a (permanent) structure. 16. Simple is to complicated as dangerous is to (safe) 17. Children should be (encouraged) to learn through mistakes but not discouraged from committing mistakes. 18. You should be broad minded person but not narrow minded 19. "Prosperity makes friends, (adversity tries them." 20. Information on Arrival and (departure) of trains are available in the IRCTC site.

ARITHMETIC

IMPORTANT POINTS TO REMEMBER Cost Price: The price, at which an article is purchased, is called its cost price, abbreviated as C.P. Selling Price: The price, at which an article is sold, is called its selling prices, abbreviated as S.P. Profit or Gain: If S.P. is greater than C.P., the seller is said to have a profit or gain. Loss: If S.P. is less than C.P., the seller is said to have incurred a loss. IMPORTANT FORMULAE 1. Gain = (S.P.) - (C.P.) 2. Loss = (C.P.) - (S.P.) 3. Loss or gain is always reckoned on C.P. 4. Gain Percentage: (Gain %)

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Gain % = Gain x 100C.P. 5. Loss Percentage: (Loss %)

Loss % = Loss x 100C.P. 6. Selling Price: (S.P.)

SP = (100 + Gain %) x C.P 100 7. Selling Price: (S.P.)

SP = (100 - Loss %) x C.P. 100 8. Cost Price: (C.P.)

C.P. = 100 x S.P. (100 + Gain %)9. Cost Price: (C.P.)

C.P. = 100 x S.P. (100 - Loss %)1. Principal: The money borrowed or lent out for a certain period is called the principal or the sum. 2. Interest: Extra money paid for using other’s money is called interest. 3. Simple Interest (S.I.): If the interest on a sum borrowed for certain period is reckoned uniformly, then it is called simple interest. Let Principal = P, Rate = R% per annum (p.a.) and Time = T years. Then (i). Simple Interest = P x R x T

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100(ii). P = 100 x S.I. ; R = 100 x S.I. and T = 100 x S.I. R x T P x T P x R

1. Speed, Time and Distance: Distance = (speed x Time) Speed

Distance , Time = Distance Time Speed EXAMPLE SUM

Mr. Roy is having a saving account with Chikkadpally branch with a credit balance of Rs.620375.55 ps.2010 on 01.01.2010. The following transactions took place during the month of Jan.2010. Date Credits Date Debits 04.01.2010 22,641.90 02.01.2010 16,126.20 03.01.2010 4,336.20 11.01.2010 66,600.20 12.01.2010 66,291.46 13.01.2010 6,131.33 17.01.2010 33,441.64 22.01.2010 12,192.30 23.01.2010 16,301.76 31.01.2010 120,435.60 Please post the pass-book entries date wise in the proforma given below showing the daily balances in the account.

PROFORMA Date Particulars Debit Credit Dr./Cr. Balance01.01.2010 b/f 620,375.55 02.01.2010 To clg 16,126.20 Dr. 604,249.35 03.01.2010 by cheque 4,336.20 Cr. 608,585.55 11.01.2010 to self 66,600.20 Dr. 541,985.35 12.01.2010 by cash 66,291.46 Cr. 608,276.81

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13.01.2010 to clg 6,131.33 Dr. 602,145.48 17.01.2010 by chq 33,441.64 Cr. 635,587.12 22.01.2010 To clg 12,192.30 Dr. 623,394.82 23.01.2010 by cash 16,301.76 Cr. 639,696.58 31.01.2010 by clg 120,435.60 Cr. 760,132.18 Practice paper (1) Ms. Gupta is having a saving account with Karol Bagh branch with a credit balance of Rs.70375.55 ps on 01.01.2011. The following transactions took place during the month of Jan.2011. Date Debits Date Credits 03.01.2011 17,641.90 07.01.2011 16,176.70 04.01.2011 4,336.70 11.01.2011 66,600.70 17.01.2011 66,791.46 13.01.2011 6,131.33 27.01.2011 33,441.64 19.01.2011 17,197.30 30.01.2011 16,301.76 31.01.2011 170,435.60 Please post the pass-book entries date wise in the proforma given below showing the daily balances in the account.

PROFORMA Add together (2) 5065.65 119.55 678.57 73576.17 79439.94

Practice paper (3)

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367650.15 9300.08 509.67 177.95 875.00 75.77 10.08 5768.07 (4) (5) (6) 15085.85 87850.95 9300.08 1999.55 1509.87 977.95 878.57 875.00 5475.77 73578.97 34090.08 15788.07 11.00 11.11 Simplify: Example : [678005.33 - 67544.39] – [237429.76 – 49159.63] = 422190.81 [1878005.33 - 87544.39] – [17419.78 – 9159.83] = 1782200.99 Practice paper

7. (16830.16 - 2724.75) - (2316.16 + 8.16) = 8. (1025130.10 + 2724.75) - (2310.10 - 251.01) = 9. 11904 + 1576 = 12

10. 8947.20 - 839.40 = 8 6

Word Problems Example Sum: Rs. 35000/- is deposited at 7% rate of interest. Find the interest which will be received after 2 years. Solution: P = Rs.35000/- R = 7% p.a T = 2 years Therefore interest at the end of 2 years = PTR = 35000 X 7 X 2 = Rs.4900 100 100

Practice Paper

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11. Rs. 10000/- is deposited at 5% rate of interest. Find the interest which will be received at the end of one year. 12. Rs. 6050/- is invested at 6.5% rate of interest. Find the interest and the amount that will be received at the end of 3 years. 13. You have Rs. 24000 in your account and the interest rate is 5%. After how many years would you earn Rs.2400/- as interest. 14. On a certain sum of money the interest paid after 3 years is Rs.450 at 5% rate of interest. Find the sum. Example: . Alfred buys an old scooter for Rs. 4700 and spends Rs. 800 on its repairs. If he sells the scooter for Rs. 5800, his gain percent is:

Solution: Cost Price (C.P.) = Rs. (4700 + 800) = Rs. 5500. Selling Price (S.P.) = Rs. 5800. Gain = (S.P.) - (C.P.) = Rs.(5800 - 5500) = Rs. 300. Gain % = 300 x 100 % = 5 5 % 5500 11

Practice Paper

15. The cost price of 20 articles is the same as the selling price of x articles. If the profit is 25%, then the value of x is: EXAMPLE I buy a TV for Rs.10,000 and sell it at a profit of 20%. How much money do I get for it?Solution: CP = Rs.10000; PROFIT = 20% OF CP = 20% Of Rs.10000 = Rs. 2,000/-

16. In a certain store, the profit is 320% of the cost. If the cost increases by 25% but the selling price remains constant, approximately what percentage of the selling price is the profit? 17. A man buys a cycle for Rs. 1400 and sells it at a loss of 15%. What is the selling price of the cycle?

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18. Sam purchased 20 dozens of toys at the rate of Rs. 375 per dozen. He sold each one of them at the rate of Rs. 33. What was his percentage profit? 19. 100 oranges are bought at the rate of Rs. 350 and sold at the rate of Rs. 48 per dozen. The percentage of profit or loss is:

Example A can do a work in 15 days and B in 20 days. If they work on it together for 4 days, then the fraction of the work that is left is : Solution:

A’s 1 day’s work = 1 ; 15 B’s 1 day’s work = 1 ; 20

(A + B)’s 1 day’s work = 1 + 1 = 7 . 15 20 60(A + B)’s 4 day’s work = { 7 x 4} = 7/15 . 60 Therefore, Remaining work = 1 - 7 = 8 . 15 15

20. If 6 men and 8 boys can do a piece of work in 10 days while 26 men and 48 boys can do the same in 2 days, the time taken by 15 men and 20 boys in doing the same type of work will be 21. A can finish a work in 18 days and B can do the same work in 15 days. B worked for 10 days and left the job. In how many days, A alone can finish the remaining work? 22. P can complete a work in 12 days working 8 hours a day. Q can complete the same work in 8 days working 10 hours a day. If both P and Q work together, working 8 hours a day, in how many days can they complete the work?

Example A person crosses a 600 m long street in 5 minutes. What is his speed in km per hour? Solution:

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Speed = 600 m/sec. 5 x 60 = 2 m/sec. Converting m/sec to km/hr (see important formulas section) = 2 x 18 km/hr 5 = 7.2 km/hr.

23. A man complete a journey in 10 hours. He travels first half of the journey at the rate of 21 km/hr and second half at the rate of 24 km/hr. Find the total journey in km. 24. A man on tour travels first 160 km at 64 km/hr and the next 160 km at 80 km/hr. The average speed for the first 320 km of the tour is:

Example sum A fruit seller had some apples. He sells 40% apples and still has 420 apples. Originally, he had: Solution: Suppose originally he had x apples. Then, (100 - 40)% of x = 420.

60 X x = 420 100 x = 420 x 100 = 700. 60

Example Rajeev buys good worth Rs. 6650. He gets a rebate of 6% on it. After getting the rebate, he pays sales tax @ 10%. Find the amount he will have to pay for the goods. Solution:

Rebate = 6% of Rs. 6650 = Rs. 6 x 6650 = Rs. 399. 100Sales tax = 10% of Rs. (6650 - 399) = Rs. 10 x 6251 = Rs. 625.10

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100Final amount = Rs. (6251 + 625.10) = Rs. 6876.10

Example A train running at the speed of 60 km/hr crosses a pole in 9 seconds. What is the length of the train? Solution: Speed= 60 x 5 m/sec= 50 m/sec. 18 3

Length of the train = (Speed x Time) = 50 x 9 m = 150 m.3Practice Paper

25. The length of the bridge, which a train 130 meters long and travelling at 45 km/hr can cross in 30 seconds, is: Practice paper

26. Find the Simple Interest on Rs. 200 for 2 years at 10% per annum 27. Find the Simple Interest on Rs. 1200 for 4 ½ years at 8% per annum 28. Mr Ramesh deposited Rs. 6000/- in a bank for 2 years. If the simple interest paid by the bank is 9%, Find the interest he will get after 2 years. 29. A sold two Cycles at Rs. 990/- each. He got 10% profit on first one and 10% Loss on Second one. What is the total profit/ loss he got ? 30. Two pipes A and B can fill in 20 and 30 minutes respectively. If both the pipes are used together, then how long will it take to fill the tank? 31. A tank can be filled by a tap in 4 hours while it can be emptied by another tap in 9 hours. If the both taps are opened how much time will take the tank get filled? 32. How many minutes does Aditya take to cover a distance of 400 m, if he runs at a speed of 20 km/hr?

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33. A car is running at a speed of 108 kmph. What distance will it cover in 15 seconds 34. A train 100m long is running at the speed of 30 kmph. Find the time taken by it to pass a man standing near the railway line? 35. A train 280 m long with a speed of 63 kmph will pass a tree in how many sec?

SOLUTIONS TO MATHEMETICS PAPER Practice paper (1) Ms. Gupta is having a saving account with Karol Bagh branch with a credit balance of Rs.70375.55 ps on 01.01.2011. The following transactions took place during the month of Jan.2011. Date Debits Date Credits 03.01.2011 17,641.90 07.01.2011 16,176.70 04.01.2011 4,336.70 11.01.2011 66,600.70 17.01.2011 66,791.46 13.01.2011 6,131.33 27.01.2011 33,441.64 19.01.2011 17,197.30 30.01.2011 16,301.76 31.01.2011 170,435.60 Please post the pass-book entries date wise in the proforma given below showing the daily balances in the account. Date Particulars Debit Credit Dr./Cr. Balance 01.01.2011 b/f 70375.55 03.01.2011 To clg 17641.90 Dr 52733.65 04.01.2011 To chq 4336.70 Dr 48396.95

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07.01.2011 By cash 16176.70 Cr 64573.65 11.01.2011 By cash 66600.70 Cr 131174.35 13.01.2011 By clg 6131.33 Cr 137305.68 17.01.2011 To clg 66791.46 Dr 70514.22 19.01.2011 By cash 17197.30 Cr 87711.52 27.01.2011 To clg 33441.64 Dr 54269.88 30.01.2011 To chq 16301.76 Dr 37968.12 31.01.2011 by cash 170435.60 Cr 208403.72

Practice paper Add together (2) (3) 367650.15 9300.08509.67 177.95875.00 75.7710.08 5768.07 369044.90 15,321.87 (4) (5) (6) 15085.85 87850.95 9300.08 1999.55 1509.87 977.95 878.57 875.00 5475.77

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73578.97 34090.08 15788.07 11.00 11.11 91553.94 124337.01 31,541.87 Practice paper Simplify: 7. (16830.16 - 2724.75) - (2316.16 + 8.16) = 11781.09 8. (1025130.10 + 2724.75) - (2310.10 - 251.01) = 1025795.7 9. 11904 + 1576 = 1149.60 12 10 10. 8947.20 - 839.40 = 978.50 8 6

Word Problems

Practice paper 11. Rs. 10000/- is deposited at 5% rate of interest. Find the interest which will be received at the end of one year. Solution: P = Rs.10000/- R = 5% p.a T = 1 years Therefore interest at the end of 1 year = PTR = 10000 X 5 X 1 = Rs.5000 100 100 12. Rs. 6050/- is invested at 6.5% rate of interest. Find the interest and the amount that will be received at the end of 3 years. Solution: P = Rs.6050/- R = 6.5% p.a T = 3 years Therefore interest at the end of 3 years = PTR = 6050 X 6.5 X 3 = Rs.1179.75 100 100 Amount to be received at the end of 3 years = Principal + Interest = Rs.6050 + Rs.1179.75 = Rs.7229.75 13. You have Rs. 24000 in your account and the interest rate is 5%. After how many years would you earn Rs.2400/- as interest. Solution: P = Rs.24000/- ;

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R = 5% p.a I = Rs.2400 Let the required number of years be T, we know that I = PTR = 100 2400 = 24000 X 5 X T = 100 T = 2400 x 100 24000 x 5 T = 2 Hence after 2 years you would earn Rs.2400 as interest. 14. On a certain sum of money the interest paid after 3 years is Rs.450 at 5% rate of interest. Find the sum. Solution: T = 3 years R = 5% p.a I = Rs.450 Let the required amount be P, we know that I = PTR = 100 450 = P X 5 X 3 = 100 P = 450 x 100 5 x 3 P = Rs.3000 Hence the required sum is Rs.3000. 15. The cost price of 20 articles is the same as the selling price of x articles. If the profit is 25%, then the value of x is:

Solution: Let C.P. of each article be Re. 1 C.P. of x articles = Rs. x. S.P. of x articles = Rs. 20. Profit = Rs. (20 - x). 20 - x X 100 = 25

x 2000 - 100x = 25x 125x = 2000

x = 16.

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16. In a certain store, the profit is 320% of the cost. If the cost increases by 25% but the selling price remains constant, approximately what percentage of the selling price is the profit? Solution: Let C.P.= Rs. 100. Then, Profit = Rs. 320, S.P. = Rs. 420. New C.P. = 125% of Rs. 100 = Rs. 125 New S.P. = Rs. 420. Profit = Rs. (420 - 125) = Rs. 295.

Required percentage = 295 x 100 % = 1475 % = 70% (approximately).420 21

17. A man buys a cycle for Rs. 1400 and sells it at a loss of 15%. What is the selling price of the cycle? Solution: S.P. = 85% of Rs. 1400 = {Rs.85 X 1400}=100 Rs. 1190

18. Sam purchased 20 dozens of toys at the rate of Rs. 375 per dozen. He sold each one of them at the rate of Rs. 33. What was his percentage profit? Solution:

Cost Price of 1 toy = Rs. 375 = Rs. 31.25 12Selling Price of 1 toy = Rs. 33 So, Gain = Rs. (33 - 31.25) = Rs. 1.75

Profit % = 1.75 x 100 % = 28 % = 5.6% 31.25 5

19. 100 oranges are bought at the rate of Rs. 350 and sold at the rate of Rs. 48 per dozen. The percentage of profit or loss is: Solution:

C.P. of 1 orange = Rs. 350 = Rs. 3.50 100S.P. of 1 orange = Rs. 48 = Rs. 4

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12Gain% = 0.50x 100 %= 100 % = 142 %3.50 7 7

20. If 6 men and 8 boys can do a piece of work in 10 days while 26 men and 48 boys can do the same in 2 days, the time taken by 15 men and 20 boys in doing the same type of work will be Solution: Let 1 man’s 1 day’s work = x and 1 boy’s 1 day’s work = y.

Then, 6x + 8y = 1 and 26x + 48y = 1 . 10 2Solving these two equations, we get : x = 1 and y = 1 . 100 200

(15 men + 20 boy)’s 1 day’s work =3 15 + 20 = 1 100 200 415 men and 20 boys can do the work in 4 days. 21. A can finish a work in 18 days and B can do the same work in 15 days. B worked for 10 days and left the job. In how many days, A alone can finish the remaining work?

Solution: B’s 10 day’s work = 1 x 10 = 2 . 15 3

Remaining work = 1 - 2 = 1 . 3 3 Now, 1 work is done by A in 1 day. 18

1 work is done by A in 18 x 1 = 6 days. 3 3

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22. P can complete a work in 12 days working 8 hours a day. Q can complete the same work in 8 days working 10 hours a day. If both P and Q work together, working 8 hours a day, in how many days can they complete the work? Solution: P can complete the work in (12 x 8) hrs. = 96 hrs. Q can complete the work in (8 x 10) hrs. = 80 hrs.

P’s1 hour’s work = 1 and Q’s 1 hour’s work= 1 . 96 80 (P + Q)’s 1 hour’s work = 1 + 1 = 11 . 96 80 480So, both P and Q will finish the work in 480 hrs. 11

Number of days of 8 hours each = 480 x 1 = 60 days = 5 5 days. 11 8 11 11 23. A man complete a journey in 10 hours. He travels first half of the journey at the rate of 21 km/hr and second half at the rate of 24 km/hr. Find the total journey in km.

Solution: (1/2)x + (1/2)x = 10 21 24 x + x = 20 21 24

15x = 168 x 20 x = 168 x 20 = 224 km.15

24. A man on tour travels first 160 km at 64 km/hr and the next 160 km at 80 km/hr. The average speed for the first 320 km of the tour is:

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Solution: Total time taken = 160 + 160 hrs. = 9 hrs. 64 80 2

Average speed = 320 x 2 km/hr = 71.11 km/hr. 9 25. The length of the bridge, which a train 130 meters long and traveling at 45 km/hr can cross in 30 seconds, is:

Solution: Speed = 45 x 5 m/sec = 25 m/sec. 18 2

Time = 30 sec. Let the length of bridge be x metres. Then, 130 + x = = 2530 22(130 + x) = 750 x = 245 m.

Practice paper

26. Find the Simple Interest on Rs. 200 for 2 years at 10% per annum Solution: Here P = 200, T = 2 R = 10 Interest I = PTR = 200 x 2x10 = Rs. 40 100 100

27. Find the Simple Interest on Rs. 1200 for 4 ½ years at 8% per annum Solution: Here P = 1200 T = 4 ½ = 9/2 R= 8 Interest I = PTR = 1200 x 9 x 8 = Rs. 432 100 2 X 100

28. Mr Ramesh deposited Rs. 6000/- in a bank for 2 years. If the simple interest paid by the bank is 9%, Find the interest he will get after 2 years.

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Solution: Here P = 6000 T=2 R = 9 I = PTR /100 = 6000 x2x9 = 1080 100 Interest he will get after 2 years is Rs. 1080/-

29. A sold two Cycles at Rs. 990/- each. He got 10% profit on first one and 10% Loss on Second one. What is the total profit/ loss he got ? Solution: Cost Price of First Cycle = 100 x 990 = Rs. 900 110 Cost Price of Second Cycle = 100 x 990 = Rs. 1100 90 Total Loss A got is 1100 + 900 – 1980 = Rs. 20

30. Two pipes A and B can fill in 20 and 30 minutes respectively. If both the pipes are used together, then how long will it take to fill the tank? Solution: Part filled by A in 1 min = (1/20) Part filled by B in 1 min = 1/30 Part filled by (A + B) = ( 1/20 + 1/30) = 3 + 2 = 1 60 60 12 Both the Pipes can fill the tank in 12 minutes.

31. A tank can be filled by a tap in 4 hours while it can be emptied by another tap in 9 hours. If the both taps are opened how much time will take the tank get filled? Solution: Part filled by first tap in 1 hour = ¼ Part empted by second tap in 1 hour = 1/9 net part filled in 1 hour = ¼ - 1/9 = 9 – 4 = 5 36 36 The can be filled in 36/5 = 7.2 hours

32. How many minutes does Aditya take to cover a distance of 400 m, if he runs at a speed of 20 km/hr? Solution:

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Aditya’s speed = 20 km/hr = (20 x 5/18) m/sec = 50/9 m/sec Time taken to cover 400 m = 400 x 9/50 = 72 sec = 1 min 12 sec ( Time = Distane / Speed) 33. A car is running at a speed of 108 kmph. What distance will it cover in 15 seconds Solution: Car Speed = 108 kmph = (108 x 5/18) m/sec = 30 m/sec Distance Covered in 15 sec is 30 x 15 = 450 meters ( Distane = Speed x Time) 34. A train 100m long is running at the speed of 30 kmph. Find the time taken by it to pass a man standing near the railway line? Solution: Speed of the Train = 30kmph = (30 x 5/18) m/sec = 25/3 m/sec Distance moved in passing the standing man = 100 m Required time taken = 100 x 3/25 = 12 sec ( Time = Distance/ Speed) 35. A train 280 m long with a speed of 63 kmph will pass a tree in how many sec?

Solution: Speed = 63 kmph = (63 x 18/5) m/sec = 35/2 m/sec Time = 280 x 2/35 = 16 sec ( Time = Distance/ Speed) MOCK TEST-I

1.Essay: An essay has to be written in not more than 200 words on any one of the following topics: a) Scene at a your branch b) Mahatma Gandhi c) A cricket match d) My career in Bank Ans:-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 2.Letter Writing: A letter has to be written in not more than 150 words on any one out of the four choices 1. Letter to the Branch Manager requesting for issuance of a cheque book. 2. Letter to a customer for opening an Abhaya Gold Account of our Bank 3. Letter to your Zonal Office informing the number of new accounts mobilised under ABG

4. Letter to the Manager for postponing your LFC tour. Ans:-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 3.A Question On: (i) Use the given words in sentences 1. Friend

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2. picture 3. garden 4. book Ans:----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- (ii) Fill in the blanks with suitable words/phrases 5. My ………………….. is an old lady (uncle/grandmother/son/father) 6. I cut the paper …………………. a pair of scissors (by/with/through) 7. The room was …………………… people (full of/full with/full off) (iii) Complete the sentences with Present/past/Past perfect tenses 8. I speak English but …………….. German a) I speak not b) I’m not speaking c) I doesn’t speak d) I don’t speak 9. I ………………….. out last night. I was too tired. a) don’t go b) didn’t went c) didn’t go d) haven’t gone 10. Why………………………angry with me yesterday? a) were you b) was you c) you were d) have you been 3. B. Questions On (i) Degrees of comparison (positive, comparative & superlative) 1. I can run _______________ than him. 2. Tendulkar is the ___________ batsman in the world 3. The pen is ____________ than sword 4. Mount Everest is the _________ peak of the Himalayas (ii) Change the voice of the following 5. A new airport is being built at Hyderabad ___________________________________________________ 6. My mother is sewing my shirt. ___________________________________________________ 7. I was singing a song. ___________________________________________________ 8. The car must be cleaned. (iii) Words of opposite meaning: 9. Choose the word opposite in meaning to HEAVY a) Strenuous b) light c) easy d) difficult 10. Sadness is to happiness as DEFEAT is to a) joy b) victory c) tears d) victor QUESTON PAPER

PART-II ARITHMETIC

Candidates have to answer 3 questions. Question No. 1A or 1B is compulsory.

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Two questions may be attempted out of a choice of six questions

from Question N0. 2 to Question No.7. 1. a) A Saving account customer Mr. Sam is having an account with our New Delhi branch . The opening credit balance in his account is Rs. 1,24,201.12 as on 01.06.2010. The following transactions took place during the month of June 2010 in his account. Rough work

Date Credits Date Debits 03.06.2010 2,241.83 05.06.2010 10000.0106.06.2010 1,840.15 13.06.2010 24,125.3413.06.2010 24,003.70 14.06.2010 10,692.8719.06.2010 1,03,421.75 21.06.2010 13,700.0230.06.2010 4,900.40 26.06.2010 2,600.70 Please post the pass-book entries date wise in the proforma given below showing the daily balances in the account. PROFORMADate Particulars Debit Credit Dr/Cr Balance

OR1. (B) i) Add together: 2065.62 364620.12 9300.0819.52 209.64 174.95648.57 845.00 72.7443246.17 10.08 2768.04 ii) Simplify: 6830.96 - 724.75 - 236.68 + 8.06 2. Gupta purchased a machine at Rs.4350 and paid overhead charges of Rs.50. After a few days he sold it at Rs.3740. Find the gain or loss percent.

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3. There are 1650 students in a school. Of them 34% are girls. How many girls are there in the school? How many are boys? 4. A car covers 40km in first hour, 35 km in second hour and 25 km in next hour. Find the average speed of the car for the whole journey. 5. A can complete a piece of work in 30 days and B can complete the same in 28 days. In how many days will A and B together can complete the same work? 6.A sum of Rs.4260 is deposited for 16 months at the rate of 5% per annum. Find the amount of simple interest and the total amount payable. 7. (i) 8016 + 1576 12 8 a. 50436 + 7839 18 9 b. 98775 _ 9755

15 5 1.Essay: An essay has to be written in not more than 200 words on any one of the following topics: e) Customer Service in Banks f) Dr. Abdul J Kalam g) Narrate your experience about your visit to a place. h) Life in a Village 2.Letter Writing: A letter has to be written in not more than 150 words on any one out of the four choices 1. Letter to the Branch Manager requesting for new pass book 2. Letter to a customer for opening an Abhaya Jeevan Account of our Bank 3. Letter to your Zonal Office informing the number of new accounts mobilised under Recurring Deposits Plus (RD +)

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4. Letter to the Branch for issuing a cheque book. 3.A Question On: (i) Use the given words in sentences 9. Learn 10. Earn 11. Walk 12. Garden (ii) Fill in the blanks with suitable words/phrases 5. I cut the paper …………… a pair of scissors (at/by/with) 11. We listened to the news on the ……………. (television/radio/train) 12. Thank you very much ……………your help (to/for/about) (iii) Complete the sentences with Present/past/Past perfect tenses 13. My friend …………………………..for me when I arrived a) waited b) has waited c) was waiting d) has been waiting 14. ‘Can you drive?’ ‘No, …………………………….a car but I want to learn’ a) I never drove b) I’m never driving c) I’ve never driven d) I was never driving 15. Why………………………angry with me yesterday? a) were you b) was you c) you were d) have you been 3. B. Questions On (i) Degrees of comparison (positive, comparative & superlative) 1. Prevention is ___________ than cure 2. Tendulkar is the ___________ batsman in the world 3. The pen is ____________ than sword 4. Mount Everest is the _________ peak of the Himalayas (ii) Change the voice of the following 13. We make butter from milk 14. They are building a new airport at Hyderabad 15. My car was stolen last week 16. The office must be cleaned (iii) Words of opposite meaning: 9. Choose the word opposite in meaning to EASY a) Strenuous b) light c) easy d) difficult 10. Sadness is to happiness as VICTORY is to a) joy b) defeat c) tears d) loss

PART-II ARITHMETIC

• Candidates have to answer 3 questions in part II • Question No. 1A or 1B is compulsory • From question no 2 to question no 7, answer any 2 questions Candidates have to answer Question No. 1A or 1B

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Q.No. 1A Mr. Sam is having a Savings account with our New Delhi branch . The opening credit balance in his account is Rs. 1,24,201.12 as on 01.06.2007. The following transactions took place during the month of June 2007 in his account. DATE CREDITS DATE DEBITS 03.06.2010 2,22,241.83 05.06.2010 10,000.01 06.06.2010 1,840.15 13.06.2010 24,125.34 13.06.2010 24,003.70 14.06.2010 10,692.87 19.06.2010 1,03,421.71 21.06.2010 13,700.02 30.06.2010 4,900.40 26.06.2010 2,600.70 Please post the passbook entries date wise in the proforma given below showing the daily balances in the account. PROFORMA Date Particulars Debit Credit Dr/Cr Balance

OR

Q.NO. 1B ( i ) Find the sum of the following:2065.62 364620.12 19300.0819.52 209.64 81174.9590648.57 845.00 72.7443246.17 10.08 2768.046722965.90 6420.21 829300.08 Ans:

(ii) Simplify:

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6830.96 - 724.75 - 236.68 + 8.06

Dr.PATTABHI Dr.Pattabhi Sitaramaiah is not merely a prominent freedom fighter but a striking personality of sharp intellectual faculties. He is one of the front rank leaders of the Nation. Bhogaraju Pattabhi Sitaramaiah born on November, 24, 1880 in the village of Gundugolanu of West Godavari Dist., Andhra Pradesh. His earlier education was completed at Eluru and Machalipatnam. He passed B.A. from Madras Christian College. He took his Doctorate in Medicine at Madras in the year 1906. He was married during the year 1898. He started his practice at Machilipatnam. After practicing for about five years, he was attracted by the freedom struggle by Mahatma Gandhi and became follower and close associate of Mahatma. Dr.Pattabhi started an English Journal “ Janma Bhoomi” to propagate Gandhian ideology. The journal ceased publication when Dr. Pattabhi was imprisoned during the Satyagraha movement of 1930. Dr.Pattabhi got the Andhra Bank Ltd. registered on 20.11.1923 and the same started functioning from 28.11.1923. He was the Managing Director for a long time. He founded another Bank Bharat Lakshmi Bank in 1929 and subsequently it was amalgamated with Andhra Bank. He also founded Andhra Insurance Company. Dr.Pattabhi’s book “History of the Indian National Congress” is one of the finest books he had authored. Mahatma Gandhi nominated Dr.Pattabhi for the Congress Presidential candidature in 1939 but was defeated by Subhash Chandra Bose. Then Gandhi commented “Pattabhi’s defeat as his own defeat”. Subsequently, in 1948, Dr.Pattabhi was elected as congress President, but by that time Gandhiji was no more. Dr.Pattabhi dedicated his life to the service of the nation. He worked as Governor of Madhya Pradesh from 1952 to 1957. Perhaps he was the only Governor who addressed the Convocation of University in Sanskrit. After laying down his office as Governor of Madhya Pradesh, Dr. Pattabhi settled down at Hyderabad. He had plans to serve the Nation in a distinguished way. But he died due to ill health on December, 17, 1959. All Indian citizens and all Employees of Andhra Bank can not forget Dr. Pattabhi. MOTHER THERESSA Mother Teresa was a symbol of selfless service and universal love. She dedicated her life to the upliftment of the poor. She was born for them and lived for them. She did not distinguish between Caste, Creed or Community. Her soul aim was to wipe out the tears of the sufferings of all. She started many homes for the poor and the needy. Whatever money she got by way of awards, she gave it for the poor and orphans. Her name will go down in the annals of human history as a noble soul and universal mother. Mother Teresa was born on 27th Aug 1910 in Yugoslavia. Her parents were religious. So no wonder Teresa also was god fearing and pious, right from her childhood. At the age of eighteen, she joined the order of teaching Nuns in Dublin. Later on she was sent to India to teach at St. Mary’s, Calcutta. One day while travelling in train, she received a clear call from god and then onwards she left off everything and spent the rest of her life in the service of the poor. With

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donations from service minded people, voluntary and social workers, she started a home for the poor. Slowly her work included the care of unwanted children, Leprosy patients and old people. She received many awards for her outstanding social services. Pope John XXIII Peace prize, in 1971. Temoleton Foundation Award in 1973 and above all NOBLE PEACE PRIZE in 1979 - the highest International Award. She did not keep for herself even a penny of the money she received. She used to say ‘LET NO ONE EVEN COME TO YOU WITHOUT GOING AWAY BETTER AND HAPPIER. GIVE THE POOR NOT ONLY YOUR CARE, BUT ALSO YOUR HEART’. Thus Mother Teresa was a real ‘MOTHER’ to all those who needed help. In a world full of selfishness, corruption, immorality and brutality, Mother Teresa’s life should serve as an abject lesson in selfless service and sacrifice and let everyone emulate her example. SHE RIGHTLY DESERVES A PLACE AMONG THE NOBLE SOULS LIKE, JESUS, GOUTAM BUDDHA AND MAHATMA GANDHI.

MAHATMA GANDHI Gandhiji has gone down in the world history as a MAHATMA. A great soul for us in India, he was a path-finder., a torch bearer, who led this country from the darkness of slavery into the sunshine of freedom. He has rightly been given the status of ‘FATHER OF THE NATION’ and even in his life time people lovingly called him ‘BAPU’. Mahatma Gandhi [MOHANDAS KARAM CHAND GANDHI] was born at Porbandar on October 2nd ,1869. He received his early education in India and then he sailed to England to study law. After Gandhi had returned from England he set up his legal practice in Bombay. But it was only for a brief span because then he went to South Africa to advice an Indian merchant in a legal case. Gandhiji had to stay there for twenty years fighting for the rights of Indians. After 1921, he raised the Banner of Freedom for Independence for our own Countrymen. He made the British rulers leave out our soil. He did not do so with swords or guns, but with the weapons of TRUTH AND AHIMSA. He inspired his countrymen to be fearless and fight the foreign masters through ‘SATYAGRAHA’. He started a Non-Violent Non-Co-Operation Movement and millions of people followed his foot steps. He brought awakening among the common people. At last., India became free on 15th August 1947. Gandhiji had found his motherland in chains. And he left her free. But political freedom was not his only aim. He wanted to uplift India in every sphere. He fought against untouchability and wished that Harijans in our Country shall have the equal status per with fellow citizens. He did his best to raise the status of women in society. He could not tolerate women treated as second-rated citizens and weaker sex. Gandhiji stood for the unity of different communities living in India. He lived for this unity. He fell a victim to and assassin’s bullet on 30th January 1948. He struggled for INDIA’S FREEDOM and died COMMUNAL HARMONY. Dr. B. R. AMBEDKAR

Dr. Bhimrao Ambedkar was born on 14th April, 1881 in Ambavada village in Maharashtra. He was the 14th child of his parents. He belongs to ‘mohar’ caste which is a very low caste in Hindus. The people of his caste are treated as untouchables.

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Bhimrao while at school was a victim of untouchability. He was insulted in the school and he decided to fight for the same A Brahmin teacher liked Bhimrao very much. The teacher changed his name from ‘ambavadeker’ to ambedker. Ambedkar is his surname. Bhimrao was very bright in studies. He studied in Mumbai and completed his graduation in 1912. He worked for Maharaja of Baroda. The Raja sent him to America. He completed his M.A. & Ph.D and returned to India 1917. Bhimrao even after his higher education was not treated well in India. Bhimrao went to London in 1922. He became a Barrister and returned to India. These studies made him to fight against the injustice done to low caste people. Ambedkar felt that those who suffered injustice should fight to secure justice on their own. He felt it is not possible to rescue the untouchables through speeches. He decided to revolt against the blind belief of Hindus. He gave a call that people who preach and practice untouchbility should be punished. He demanded that all sections of Hindus should be allowed to enter in to temples. He recruit large number of low caste people in Army and Police departments. Bhimrao succeeded in bringing 10% of the Assembly seats for reserved categories or Harijans. He achieved this from the British Government in a Round Table Conference. After independence Ambedkar became the Law Minister. He was the Architect of the Constitution of India. He is successful in getting the Bill passed on wiping out untouchbility. Ambedkar was elected to Rajya Sabha in 1952. Ambedkar served until his death as a saviour of Harijans. He died in 1956. He is real crusader in achieving fundamental rights to down-trodden. Indian Currency Symbol India has undergone transformation from an underdeveloped country to a fast developing nation and now emerging as one of the economic power centre of the world. The growth story of India is intact but missing the unique identity due to non presence of symbol to represent country’s currency. There is a strong linkage between the currency of the country and its economic development and hence the currency needs to be accepted globally. In the above backdrop, Government of India expressed intention to formalize a symbol for the Indian rupee, which reflects and captures the Indian ethos and culture in the last budget session. Further, it was stated that the symbol would lend a distinctive character and identity to the currency and highlight the strength and global face of the Indian economy. The Symbol for Indian Currency was designed by Mr. D Udaya Kumar, an IITian (Mumbai) which is as below:

After years of missing unique identity, India got a distinct symbol to distinguish from Pakistan, Nepal, Srilanka and Indonesia countries whose currencies are designated as Rupee or Rupiah which is similar to our currency i.e. Rupee. Further, now Indian rupee joined the select club of currencies such as the US Dollar, Euro, British Pound and Japanese Yen that have a clear distinguishing identity. The symbol reflects standardized expression of the Indian rupee in different languages, both within and outside the country. It is a perfect blend of Indian and Roman letters - capital 'R' and Devanagri 'Ra' which represents Rupaiah, to appeal to international and Indian audiences. The design is based on the tricolor, with two lines at the top and white space in between. Though the symbol is not be printed or embossed on currency notes or coins, it would be included in the Unicode Standard and major scripts of the world to ensure that it is easily displayed and printed in the electronic and print media. After incorporation in the global and

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Indian codes, the symbol would be used by all individuals and entities within and outside the country. The new symbol portrays the nation's strength & stability, both politically and economically and acts as Brand Ambassador. The new symbol is also considered as a step towards internationalization of Indian rupee and paves the way to achieve full capital account convertibility shortly. Though the new symbol gives a global face to India's currency and powerful international identity but it has to be backed by prudent fiscal measures and other steps such as eradication of both poverty and corruption, for which concerted efforts are required to make the dream true.

ANDHRA BANK – A Success Story The secret behind the success and growth of Andhra Bank is nothing but the united efforts of the entire workforce irrespective of cadres. Andhra Bank was founded by the great freedom fighter, visionary Dr. Bhogaraju Pattabhi Seetaramayya who registered the bank as Andhra Bank Co. Ltd. At Machilipatnam. The bank started its functioning w.e.f. 23.11.1923. Since then it served the needs of the all the public in Andhra. Andhra Bank Ltd. Attained the status of scheduled Bank in the year 1940 and opened its 100th branch in the year 1964. In the same year i.e., 1964 Bharat Lakshmi Bank Ltd was amalgamated with Andhra Bank Ltd. During 1969 the bank became largest Private Sector Bank in the Country and entrusted with Lead Bank responsibilities in 5 districts. The Bank was nationalized in the year 1980 and became first Bank to introduce Credit Cards in India in the year 1981. It became the Convenor-State Level Bankers’ Committee in AP and continuing the same status till date. The Bank is a house-hold name in entire Andhra Pradesh & Telangana States, has introduced many insurance linked schemes for the benefit of all customers. During 1993 the bank suffered a set back and ran into losses. Speculations floated across the country, that the Bank is a sinking boat and will be closed anytime. But the united team spirit of the workforce by the turn around and Strategy Call give by All India Award Employees Union taken it as a challenge, have come forward and created confidence among all the customers and led the Bank back again to Profit Tracks. This was the unique achievement of the Workforce who moved forward with one ideology that the Organization’ growth is Employees’ growth. During the decade 2001 to 2010 the Bank has created history and surpassed several land marks and achieved many awards and became MID SIZE Bank with Pan-Indian network. Some of the achievements and awards.

Andhra Bank has a Network of 2841 branches & 3778 ATM/BNA/ Cash Recyclers as on 30/09/16 The Total Business as on 30/09/2016 is Rs. 3,19,140Crore (Deposits Rs. 1,77628 Crore & Advances Rs. 1,41,512 Crore). During the period of Demonetisation all the staff of our Bank have rendered extraordinary service and received appreciations from all. Andhra Bank heading towards its Centenary year 2023, with a committed workforce of over 20,000 will further ride greater strides and continue to be the BEST PUBLIC SECTOR BANK.

1) Write a letter to the General Manager (HR) for incorporate B.A Qualification in your Service records. From XXXXXXXXXXXXX Andhra Bank, ____________________________ Branch. To The General Manager (HR),

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Andhra Bank, Head Office, Human Resource Department, (Through Proper Channel) Hyderabad. Respected Sir, Reg: Incorporating B.A Qualification in my Service records. *** I, __________________________ working as Sub-Staff at ___________________ Branch submit the following few lines for your kind consideration. I have passed B.A. Graduation Examination in December, 2016 from Osmania University under private stream. I have already taken permission to pursue higher studies under private stream. I am herewith enclosing the Marks Memorandum and Provisional Certificate issued by University. I request your good selves to kindly incorporate my education Qualification as B.A in my service records and oblige. Thanking You Sir, Yours faithfully, (__________________________________)

2) Write a letter to a Book publisher placing an order for some books you require. From Mr.Laxman Rao, H.No.9-35, Motinagar Extension, Hyderabad – 500 018. To The Manager, Jain Publising Co. ltd, 65, Connaught Circus, New Delhi – 110001 Dear Sir, I wish to place an order for the following books which are published by your Company.

Name of the Book Author Amount 1 English Grammer Gangopadhyaya 125.00 2 Simple Arithmatic Santanu Bose 250.00 3 Letter Writing in English Sunder Raman 125.00 ______________________ Total : 500.00 _____________________ I am enclosing herewith a crossed Demand Draft Bearing.No. 247689 dated 10.02.2017 fvg “M/s Publishing Co” for Rs.500/- (Rupees Five Hundred only) towards supply of above three Books. Please note that, as per your Advertisement, the books will be sent without Postage/courier charges if ordered for Rs.500 & above.

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I request you to send me the above books at the earliest to the address given above. I also request you to send me the latest Catalogue relating to Books on Banking & Finance. Please do the needful. Thanking You Sir, Yours faithfully, (R Laxman Rao) Encl: DD No. 247689, dated 10.02.2017 for Rs.500/-

3) Write a letter to the Assistant Engineer, Electricity Board complaining about frequent power cuts in your area. From Mr.Raja Rao, 467, Sruthi Apartment, Gandhinagar, Vijayawada To The Assistant Engineer, A.P. Transco 2 Town Area Gandhinagar, Vijayawada. Dear Sir, Reg: Frequent Power Cuts *** I, wish to draw your kind attention to the frequent power cuts experienced by the people of our Gandhinagar area. The notified timings of power cut for this area is morning 2 hours between 8:00Am to 10:00 AM and evening 1 hour between 8:00PM to 9:00Pm. In addition to the above notified timings, it is observed that power supply is stopped during the mid day and also late night causing much inconvenience and hardships to the people. We have reported the same several times over phone and in person at “Fuse call Office” but there is no response. You are aware this is summer and examinations season to all students. We request you to personally intervene in the matter and ensure that frequent power cuts are stopped forthwith. A positive and early action is awaited. Thanking You Sir, Yours faithfully, (Raja Rao) President Sruthi Apartment Owners Association Gandhinagar, Vijayawada

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OPPOSITES: AGREE X DISAGREE REGULAR X IRREGULAR PLEASE X DISPLEASE RESPONSIBLE X IRRESPONSIBLE LOYAL X DISLOYAL RATIONAL X IRRATIONAL BIND X UNBIND LOGICAL X ILLOGICAL LUCKY X UNLUCKY LEGAL X ILLEGAL FORTUNATE X UNFORTUNATE ELIGIBLE X ILLEGABLE PIOUS X IMPIOUS LEAD X MISLEAD PROPER X IMPROPER MANAGE X MISMANAGE MATURE X IMMATURE UNDERSTAND X MISUNDERSTAND CURABLE X INCURABLE VIOLENT X NON-VIOLENT DECENT X INDECENT SENSE X NONSENSE DEPENDENT X INDEPENDENT COOPERATE X NON-COOPERSTION ACCEPT X REJECT ADEQUATE X INADEQUATE COMPLETE X INCOMPLETE CONFIRM X DENY DEBIT X CREDIT DEPOSITOR X BORROWER ENTRY X EXIT HONEST X DISHONEST INCOME X EXPENDITURE INCOMING X OUTGOING INTERNAL X EXTERNAL INWARD X OUTWARD JUSTICE X INJUSTICE LIKE X UNLIKE LOVE X DISLIKE MAXIMUM X MINIMUM NORMAL X ABNORMAL OBEY X DISOBEY ORIGINAL X DUPLICATE PAY X RECEIVE PAYMENT X RECEIPT POOR X RICH POSTPONE X PREPONE PRESHIPMENT X POSTSHIPMENT PROFIT X LOSS PROMOTE X DEMOTE PUNISHMENT X REWARD REGULAR X IRREGULAR SENIOR X JUNIOR

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SUPERIOR X INFERIOR INLAND X ABROAD RESIDENT X NON-RESIDENT HONOUR X DISHONOUR LEGIBLE X ILLEGIBLE LITERATE X ILLETERATE TENSES

Present, Past & Past Perfect Tenses Pack Packed Packed Drag Dragged Dragged Prove Proved Proven Praise Praised Praised Free Freed Freed Ban Banned Banned Offend Offended Offended Die Died Died Fall Fell Fallen Issue issued issued Order ordered ordered Give gave given Usage of words in sentences

1) Speculation : There was much speculation about the outcome of Elections. 2) Concession : Senior citizens are given 30% concession in Railway fares. 3) Irrevocable : Employee has to give irrevocable option to join or not to join pension Scheme 4) Enhance : Hard work enhance ones chances in getting good marks 5) Prevail : After much argument, the Manager’s decision prevailed 6) Deviate : Employees should not deviate the systems & procedures 7) Security : The borrower has offered his house property as collateral Security to the loan 8) Cautious : Cashier must be very cautious in dealing with fake currency 9) Appreciation : He has received the appreciation from General Manager for his outstanding performance

10) Wages : Earlier Sweepers were paid Consdidated Wages 11) Issue : The clerk issued a cheque book to the customer on his request. 12) Affidavit : The Manager has asked the customer to submit an Affidavit for availing the loan 13) Claim : The Claim amount was paid to the nominee of deceased customer 14) Demand : A Demand Notice for payment of overdues was sent to the borrower. 15) Exchange : The customer has required for exchange of small denomination of currency 16) Charges : Service charges will be levied for issue of Demand Drafts & Pay order 17) Pledge : 18) Hypothecate : The goods belongings to the company one hypothecated to the Bank 19) Break open : The Safe deposit locker of the deceased customer was broke opened as per procedure and contents were handed over to legal hurs

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20) Sanction : Sudheer was sanctioned education loan as per Terms & Conditions 21) Liability : The outstanding Liability in the Loan account was fully adjusted with insurance amount. 22) Deduct : The customer enquired about the amount deducted towards Income Tax 23) Standing Instructions : The Customer has given standing instructions to remit Rs. 1000/- to his Recurring Deposit account every month till December, 2011

DEGREES OF COMPARISION This grape is Sweet. (Sweet is merely tells us quality of grape, but does not specify how much sweet it is). The adjective sweet is said to be in the Positive Degree. Mango is sweeter than grape. (Sweeter is comparing the sweetness of the mango and grape and specifying that Manago’s sweetness is more than that of grape). The adjective sweeter is said to be Comparative Degree. Saccharine is sweetest of all. (Sweetest tells us that Saccharine is having greatest amount of sweetness or highest degree of sweetness.) The adjective sweetest is said to be Superlative Degree. The article ‘the’ must be prefixed to a Superlative Degree. We thus see that the adjectives change in form (sweet, sweeter, sweetest) to show the degree of the quality, they are called the degrees of comparison. Most of the Adjectives of one syllable, and some of more than one syllable form the comparative by adding er and the superlative by adding est to the positive form of adjective. (But when Positive ends with ‘e’ only ‘r’ and ‘st’ are added. When Positive ends with ‘y’ then ‘y’ is changed to ‘I’ before adding ‘er’ and ‘est’. When Positive ends with Single Consonant preceded by a short vowel then the end consonant will be double before adding ‘er’ and est’

EXAMPLES: POSITIVE COMPARATIVE SUPERLATIVE SMALL SMALLER SMALLESTBOLD BOLDER BOLDESTBRAVE BRAVER BRAVESTLARGE LARGER LARGESTHAPPY HAPPIER HAPPIESTMERRY MERRIEER MERRIESTRED REDDER REDDESTBIG BIGGER BIGGESTSPLENDID MORE SPLENDID MOST SPLENDID BEAUTIFUL MORE BEAUTIFUL MOST BEAUTIFUL GOOD BETTER BESTWELL BETTER BESTBAD WORSE WORSTEVIL WORSE WORSTILL WORSE WORSTLITTLE LESS/LESSER LEASTMUCH MORE MOSTMANY MORE MOST

CHANGE OF DEGREES OF COMPARISION SUPERLATIVE LEAD IS HEAVIEST OF ALL THE METALSCOMPARATIVE LEAD IS HEAVIER THAN ANY OTHER METALPOSITIVE NO OTHER METAL IS HEAVIER THAN LEAD

SUPERLATIVE THE TIMES IS MOST POWERFUL NEWSPAPER IN ENGLANDCOMPARATIVE THE TIMES IS MORE POWERFUL THAN ANY OTHER NEWSPAPER IN ENGLANDPOSITIVE NO OTHER NEWSPAPER IN ENGLAND IS AS POWERFUL AS THE TIMES SUPERLATIVE SHAKUNTALA IS THE BEST DRAMA IN SANSKRIT

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COMPARATIVE SHAKUNTALA IS BETTER THAN ANY OTHER DRAMA IN SANSKRIT POSITIVE NO OTHER DRAMA IN SANSKRIT IS AS GOOD AS SHAKUNTALA

SUPERLATIVE CHENNAI IS ONE OF THE BIGGEST OF INDIAN TOWNSCOMPARATIVE CHENNAI IS BIGGER THAN MOST OTHER INDIAN TOWNSPOSITIVE VERY FEW INDIAN TOWNS ARE AS BIG AS CHENNAI

POSITIVE SOME POETS ARE AT LEAST AS GREAT AS TENNYSONCOMPARATIVE TENNYSON IS NOT GREATER THAN SOME OTHER POETS (OR) SOME POETS ARE NOT LESS GREATER THAN TENNYSON SUPERLATIVE TENNYSON IS NOT THE GREATEST OF ALL POETS

POSITIVE TO COMPARISION OR VICE VERSA

POSITIVE HE IS AS WISE AS SOLOMONCOMPARATIVE SOLOMON IS NOT WISER THAN HE IS

POSITIVE I KNOW HIM QUIET AS WELL AS YOU DO

COMPARATIVE YOU DO NOT KNOW HIM BETTER THAN I DO

COMPARATIVE MAHABALESWAR IS COOLER THAN PANCHGANIPOSITIVE PANCHAGANI IS NOT AS COOL AS MAHABALESWAR

SUPERLATIVE TO COMPARATIVE OR VICE VERSA

SUPERLATIVE AMERICA IS THE RICHIEST COUNTRY IN THE WORLDCOMPARATIVE AMERICA IS RICHER THAN ANY OTHER COUNTRY IN THE WORLD

SUPERLATIVE BOMBAY MANGO IS THE BEST IN INDIA

COMPARATIVE BOMBAY MANGO IS BETTER THAN ANY OTHER MANGO IN INDIA

COMPARATIVE THE TIGER IS MORE FEROCIOUS THAN ANY OTHER ANIMALSUPERLATIVE THE TIGER IS THE MOST FEROCIOUS OF ALL ANIMALS

COMPARATIVE SHAKESPERE IS GREATER THAN ANY OTHER ENGLISH POETSUPERLATIVE SHAKESPERE IS THE GREATEST ENGLISH POET (OR)SHAKESPERE IS THE GREATEST OF ALL ENGLISH POETS

ACTIVE AND PASSIVE VOICE 1) Divya beats Shravya (Subject) (Verb) (Object) 2) Shravya is beaten by Divya (Subject) (Verb) (Object) It will be seen that these two sentences expresses the same meaning But in (1) Subject does some work In (2) Object does some work When subject does some thing then the verb is said to be in ACTIVE VOICE and when object does some thing then verb is said to be in PASSIVE VOICE Notice the following changes in Active Voice and Passive Voice. ACTIVE VOICE PASSIVE VOICE Changes taken place with the verb

Active Passive Sita Loves Rama Rama is loved by Sitha Loves Is loved The mason is building the wall The wall is being built by the mason Is building Is being built Ram opened the gate The gate was opened bRam Opened Was opened They were helping the They wounded men Were helping Were being helped

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wounded men were being helped by them He will finish the workin a day The work will be finished by him in a da Will finish Will be finishedWho did this ? By whom was this don Did Was done Why did your brother write such a letter Why was such a letter written by your brother? Did write Was written The Durban refused hiadmittance He was refused admittance by the Durban Refused Was refused

Change from Active Voice to the Passive Voice ACTIVE VOICE PASSIVE VOICE The Manager will give you a ticket A ticket will be given to you by the Manager You will be given a ticket by the ManagerMr.Krishnaji teaches us grammar We are taught grammar by Mr.Krishnaji Grammar is taught to us by Mr.KrishnajiWho taught you French By whom was French taught to you? By whom were you taught French? He handed her a chair A chair was handed to her She was handed with a chair. All his friends laughed at him He was laughed at by all his friends They made him king He was made a king by them The Romans expected to conquer Carthage It was excepted by the Romans that they woulconquer Carthage One should keep one’s promises Promises should be kept Give the order Let the order be givenSomeone has picked my pocket My pocket has been picked

MATHEMATICS

NUMBER SYSTEM

HINDU NUMBER SYSTEM

1 UNITS 10 TENS 100 HUNDREDS 1000 THOUSANDS 10000 TEN THOUSANDS 100000 LAKHS 1000000 TEN LAKHS 10000000 ONE CRORES 100000000 TEN CRORES

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ENGLISH NUMBER SYSTEM1 UNITS 10 TENS 100 HUNDREDS 1000 THOUSANDS 10000 TEN THOUSANDS 100000 HUNDRED THOUSANDS 1000000 MILLION 10000000 TEN MILLION 100000000 HUNDRED MILLIONS FRACTIONS

FRACTIONS: ½, 1/3, ¼ show a part of the total of an object. These are caked fractions. In fraction ½ , 1 is called NUMERATOR and 2 is called DENOMINTOR. PROPER FRACTION: A fraction in which the denominator is greater than the numerator is called a proper fraction. IMPROPER FRACTION: A fraction in which the numerator is greater than or equal to the denominator is called improper fraction. MIXED FRACTION: A fraction in which there is a whole number and a proper fraction is called a mixed fraction. LIKE FRACTIONS: Fractions having the same denominators are called like fractions. UNLIKE FRACTIONS: Fractions having different denominators are called unlike fractions.

G.C.D & L.C.M.

Factors & Multiples: If a number X divides another number y exactly. We say that X is a factor of y. Also, in this case, y is called a multiple of X. Greatest Common Divisor(G.C.D.): The G.C.D. of two or more than two numbers is the greatest number that divides each one of them exactly. The greatest Common Divisor is also known as Highest Common Factor (H.C.F.) To find out the GCD of 24, 96, & 180. 24 180 7 168 12 96 8 96 0Greatest Common Divisor is 12. Least Common Multiple(L.C.M.): The least number which is exactly divisible by each one of the given number is called their L.C.M. To find out the L.C.M. 15 & 60

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15 605 3 123 1 42 1 22 1 160 L.C.M. of 15,60 is 5 x 3 x 2 x 2 x 1 x 1 = 60 Note: Product of two numbers is equal to the product of LCM & GCD of both the numbers.

PERCENT & PROFIT & LOSS

PERCENT : The word per cent means “per hundred or “out of hundred”. The symbol % is used to express the phrase “per cent”. Thus7% = 7out of 100 = 7/100 Note: To convert % into common fraction, divide by 100 Example 9% = 9 / 100 Note: To convert common fraction into % multiplyby 100 Example: 2 / 5 = 2 / 5 X 100 = 40% If there is an increase of x% in a quantity, then its value increases by (100 + X)% over its original value. Multiply fraction to get the increased value is 100+ X 100 If there is an decrease of x% in a quantity, then its value decreases by (100 - X)% over its original value. Multiply fraction to get the decreased value is 100- X 100 COST PRICE: The Price which a person or a shop keeper pays for an article at the time of purchasing is called COST PRICE(C.P.) . MARKED PRICE:The price at which a shop keeper originally offers an article is called MARKED PRICE (M.P.) DISCOUNT: The amount a buyer is allowed to pay less than the original price or marked price of an article is called Discount. It is expressed as a Percentage of Original Price. SELLING PRICE:The price which a shop keeper gets by selling an article is called its SELLING PRICE (S.P.) Profit: Selling Price – Cost Price Loss: Cost Price – Selling Price Note:Profit and loss are always calculated on Cost Price Profit %: { (S.P. – C.P.) ÷ C.P.} X 100 Loss % : { (C.P. – S.P.) ÷ C.P.} X 100 S.P. = { C.P. X (100 – Loss %)} ÷ 100 In case of Loss S.P. = { C.P. X (100 + Profit %)} ÷ 100 In case of Profit C.P. = { (S.P. X 100) ÷ (100 + Profit %)} In case of Profit C.P. = { (S.P. X 100) ÷ (100 - Loss %)} In case of Loss Note: Profit and Loss Percent (%) is the gain or loss on every 100 of the Cost Price.

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SIMPLE & COMPOUND INTEREST If a person borrows some money from a person or bank he has to return the same after some time with some extra money. The extra money is paid for the interest. Thus the interest is the money paid for the use of money borrowed. PRINCIPAL(P): The actual money he borrowed is known as the Principal AMOUNT(A): The Principal together with its interest is called Amount RATE percent per annum(R): The Interest Rate paid on Rs.100 of the loan for a year is called for the RATE % per annum. SIMPLE INTEREST: If through out the loan period interest is charged on the original sums borrowed (i.e., Principal) it is called Simple Interest. Simple Interest(S.I.): (P X T X R) ÷ 100 Principal: (S.I. X 100) ÷ (R X T) Rate: (S.I. X 100) ÷ ( P X R) Amount(A) : Principal + Simple Interest ( P + S.I.) To find out Principal when amount is given : P = {(A X 100) ÷ (100 + T X R) Amount (A) = P( 1 + TR/100)

TIME AND WORK • If a man finishes total work in X days, then in 1 day he does 1/X of the total work. • Likewise, if work done by a man in 1 day is given then the total number of days to finish the work = 1 ÷ One day’s work • If A is thrice as good a workman as B , then the ratio of work done by A & B = 3:1 • If A & B can do a work in X & Y days respectively, then they complete the work together in (X X Y) ÷ (X + Y) days.

TIME & DISTANCE • Distance = Time X Speed • Speed = Distance ÷ Time • Time = Distance ÷ Speed • 1 Km / hour = 5/18 m/sec • 1m/sec = 18/5 km/hour • If the ratios of speed of A & B is a:b then the ratio of the times taken by them to cover the same distance is 1/a : 1/b OR b:a • Suppose a man covers a certain distance at x kmph and an equal distance at y kmph then the average speed during whole journey is (2xy) ÷ (x + y) kmph • Time taken by a train to cross a Telegraphic/electric Pole or a Standing person = Length of the Train ÷ Speed of the Train • Time taken by a train to cross a Bridge = (Length of train + length of Bridge) ÷ Speed of the Train • Relative Speed while moving in opposite directions is equal to the difference of the speeds Time taken by two moving objects to meet = (Distance between them ÷ relative speed)

MODEL PROBLEMS

1. The cost price of an article is Rs 8,900. Find the selling price, if it is sold at 15% profit. S.P. = { C.P. X (100 + Profit %)} ÷ 100 In case of Profit CP = Rs 8900 Profit = 15% S.P = 8900 x 100 + 15 = 89 x 115 = 10235 100 S.P = 10235 (Answer)

2. A television is sold for Rs 29,760 and a loss of 4% is incurred. What was the CP of the television?

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C.P. = { (S.P. X 100) ÷ (100 - Loss %)} In case of Loss S.P = Rs 29760 Loss = 4% C.P = 29760 x 100 = 2976000 = 31000 100 – 4 96 C.P = Rs 31000 (Answer) 3. A readymade cloth merchant purchased 20 shirts for Rs 250 each. He sold 10 shirts at a

profit of 20%. The remaining shirts were sold at 5% loss. What is total profit%? C.P OF 20 SHIRTS = 20 x 250 =5000 S.P. = { C.P. X (100 + Profit %)} ÷ 100 In case of Profit C.P = Rs 250 = 10 Shirts = 10 x 250 = 2500 C.P = 2500 Profit = 20% = 2500 x 100 + 20 = 2500 x 120 = 25 x 120 = 3000 100 100 10 Shirts C.P = 3000 S.P. = { C.P. X (100 – Loss %)} ÷ 100 In case of Loss C.P of 10 shirts = 10 x 250 = 2500 Loss = 5% S.P = 2500 x(100 – 5) = 2500 x 95 =25 x 95 = 2375 100 100 Total C.P = 20 X 250 = 5000 Total S.P = 3000 + 2375 = 5375 Profit = S.P – C.P = 5375 – 5000 = 375 Profit %: { (S.P. – C.P.) ÷ C.P.} X 100 (5375 – 5000) ÷ 5000 ) x 100 375/5000 x 100 = 7.5% Profit = 7.5% (Answer)

4. By selling a toy for Rs 990, Maria makes a profit of 10%, and by selling a book for Rs 990, she suffers loss of 10%.

Calculate her (i) total CP (ii) total SP (iii) over all loss % or gain %? Toy S.P = 990 Profit = 10% C.P. = { (S.P. X 100) ÷ (100 + Profit %)} In case of Profit = 990 x 100/100 + 10 = 990 X 100/110 = 900 Toy C.P Rs 900 Book S.P = 990 Loss = 10% C.P. = { (S.P. X 100) ÷ (100 - Loss %)} In case of Loss = 990 x 100/100 – 10 = 990 x 100 / 90 = 1100 Total C.P = 900 + 1100 = 2000 Total S.P = 990 + 990 = 1980 Loss = C.P – S.P = 2000 -1980 = 20 Loss % : { (C.P. – S.P.) ÷ C.P.} X 100 = 2000 – 1980 / 2000 x 100 = 1%

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5. Find the simple interest and amount on Rs 14,000 for 3 years at 4% p.a. Principle (P)= Rs 14000 Rate of int(R)= 4% Time(T) = 3 years Simple int = PTR/100 = 14000 x 4 x 3 =1680 100 Amount = 1680+14000 Answer =15680

6. Find the sum which will yield an interest of Rs 15,000 for a time period of 4 years at 15 % p.a. Principal: (S.I. X 100) ÷ (R X T) Int = 15000 Time 4 years Rate of int 15% Principle = (15000 x 100) = 250 x 100 = 25000 (Answer) 15 x 4

7. A shopkeeper borrows Rs 9,500 from his friend at 8% p.a and repays Rs 11,020. after how many years did he repay? Amount = Rs 11020 Principle = Rs 9500 Int = Amt – principle = 11020 – 9500 = 1520 Simple int = 1520 Rate = 8% p.a Time = S I x 100 = 1520 x 100 = 2 Years (Answer) P x R 9500 x 8

8. A money lender lends Rs 14,000 for 3 years to get an interest of Rs 2,310. At what rate per cent p.a did he charge the interest?

Rate : (S.I. X 100) ÷ ( P X R) Loan amount = Rs 14000 Time = 3 yrs Int = Rs 2310 Rate of int = 2310 x 100 = 5.5% (Answer) 14000 x 3 9. Ramu can do a piece of work in 10 days. Bheema can do it in 15 days. In how many days

can they do it together? How many days can Ramu do a work = 10 days Work done by Ramu in 1 day = 1/10 How many days can Bheema do work= 15 days Work done by Bhima in 1 day=1/15 Work done by both Ramu and Bheema in one day = 1/10 + 1/15 = 3 + 2 = ------------- = 5/30 = 1/6 Hence, Ramu and Bheema will complete the work in 6 days. 30 10. Two taps can fill a tub in 5 min. and 7 min. respectively. A pipe can empty it in 3 min. If all

the three are kept open simultaneously when the tub be full? The protions of the tub filled by the two taps in one minute are respectively 1/5th , 1/7th parts. Portion of the tub filled by the taps together in one minute = 1/5 + 1/7 . Portion of the tub emptied by the pipe in one minute= 1/3 Portion of the tub filled by them in one minute, when all three are kept open. = 1/5 + 1/7 – 1/3 = 21+15-35/105 = 1/105th part i.e Time taken to fill the tub completely = 105 min = 1 hr.45 min

21+15+35 /105 =1/105

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11. A and B can do a piece of work in 15 days, B and C can do it in 20 days and is ‘C’ and

‘A’ can do it in 30 days. In how many days can each of them do it separately? Portion of the work done by A and B in one day = 1/15 Portion of the work done by B and C in one day = 1/20 Portion of the work done by A and C in one day = 1/30 Part of the work done by (A+B+C) in one day = 1/15 +1/20+1/30 = 4+3+3/60 = 9/60 = 3/20 Work done by A+B+C in one day = 3/20 x 1/2 = 3/40 Work done by A in one day = Work done by A+B+C - Work done by B+C = 3/40- 1/20 = 3-2/40 = 1/40 A can do the work in 40 days. Work done by B in one day = Work done by A+B+C in one day - Work done by A+C = 3/40- 1/30 = 9-4/120 = 5/120 = 1/24 B can do the work in 24 days. Work done by C in one day = Work done by A+B+C in one day - Work done by A+B = 3/40- 1/15 = 9-8/120 = 1/120 i.e C can do the work in 120 days.

12. A pupil walks from his house to school at 2 ½ k.m per hour and arrives 12 minutes late. The next day he walks at 4 k.m per hour and reaches the school 15 minutes before time. Find the distance from house to school?

Let the distance between school and house be 1 K.m. Time taken to travel at a speed of 2 ½ k.m per hour.= 1/2 ½ = 2/5 hr. Time taken to travel at a speed of 4k.m per hour = ¼ hr. Difference in these timings = 2/5 – ¼ = 3/20 hr. = 3/20 x 60 = 9 min Actual difference in timings = 12 + 15 = 27 Min. Distance traveled when the difference in timings is 9 min.= 1 k.m Distance traveled when the difference in timings is 27 min.= 1/9 x 27 = 3 k.m Distance from house and school = 3 k.m 13. A train crosses a telegraph post in 8 sec. and a bridge 200 m long in 24 ec. Find length and speed of the train? A train crosses a telegraph post is to travel its length. Time taken to cross the length of the train and the length of the bridge = 24 sec. Time taken to cross the length of the train = 8 Sec. Time taken to cross the length of the bridge = 24 – 8 = 16 sec. Distance travelled in 16 second = Length of the bridge= 200m Distance travelled in 1 second = 200/16 = 12 ½ m. Length of the train = Distance travelled in 8 second = 8 x 12 ½ = 100 m i.e Speed of the train 25/2 x 18/5 = 45 Km/Hr.

GUIDE TO THE MODEL QUESTION PAPER Time: 2 ½ hours MARKS = 100

PART- I ENGLISH (50 marks) Candidates have to answer 3 Questions. QUESTION No.1 & Question 2 are compulsory. For 3rd Question , a Candidate may attempt either Question No.3A or 3 B according to his choice.

67

1) Essay: An essay has to be written in Not more than 200 words on 20 marks (i) Any subject of general interest (ii) About an eminent person OR (iii) An interesting personal experience/incident 2) Letter Writing 20 marks

A letter has to be written in not more than 150 words Four choices will be given

3) A – Question on: 10 marks (i) Use of given words in sentences (ii) Fill in the Blanks with suitable words/Phrases (iii) Present/Past/Past Perfect Tenses OR

B – Question on (i) Degrees of comparison (Positive, Comparative & Superlative) (ii) Interchange of active voice and passive voice (iii) Words of Opposite Meaning

PART-II ARITHMETIC (50 marks) Candidates have to answer 3 questions. Question No.1 A or 1 B is compulsory. Two Questions may be attempted out of a choice of Six questions from Question No.2 to 7. 1.A) M/s Kiran Enterprises is having a Current Account with Chikkadapally branch with a credit balance of Rs.5,32,881.55ps on 01.01.2001. The following transactions took place during the month of January, 2001. 20 marks

Date Debit Date Credit04.01.2001 22641.95 02.01.2001 16126.2508.01.2001 4336.2 11.01.2001 66.500.2012.01.2001 55291.45 13.01.2001 5181.3317.01.2001 88441.64 22.01.2001 12192.8928.01.2001 16301.75 31.01.2001 1,03,421.05 Please post the Pass-book entries date-wise in the Proforma given below shoing the daily balances in the account: PASS BOOK POSTING

ANDHRA BANK CHIKKADAPALLI BRANCH HYDERABAD CURRENT ACCOUNT No. M/S KIRAN ENTERPRISES (Amount in Rupees) DATE PARTICULARS DEBIT CREDIT Dr./Cr. Balance 01.01.2001 OPENING BALANCE 532,881.55 CR 532,881.55 02.01.2001 By Credit 16,126.25 CR 549,007.80 04.01.2001 To debit 22,641.95 CR 526,365.85 08.01.2001 By debit 4,336.20 CR 522,029.65 11.01.2001 By Credit 66,500.20 CR 588,529.85 12.01.2001 To debit 55,291.45 CR 533,238.40 13.01.2001 By Credit 5,181.33 CR 538,419.73 17.01.2001 To debit 88,441.64 CR 449,978.09 22.01.2001 By Credit 12,192.89 CR 462,170.98 28.01.2001 To debit 16,301.75 CR 445,869.23 31.01.2001 By Credit 103,421.05 CR 549,290.28 Page Totals 187,012.99 736,303.27 CR 549,290.28

OR

68

1.(B) Find the sum of the following: (i) 496241.29 691.75 109837.73 2317860.95 44689.05 12.08 241786.10 72923.13 886764.25 496,241.29691.75109,837.732,317,860.9544,689.0512.08241,786.1072,923.13886,764.25============4,170,806.33

ii) [ 3678005.33 – 67544.39] – [2637429.76 – 49159.63] ANSWER: 2(i) 8947.20 839.40

----------- + ----------------- 16 6 Answer: LCM of 16, 6 = 2 8, 3 8 1, 3 3 1, 1 = 2 x 8 x 3 = 48 (8947.20 x 3) + (839.40 x 8) 26841.60 + 6715.20 33556.80 ------------------------------------ = -------------------------- = ------------------= 699.10 48 48 48 (ii) 34378.50 - 4041.60 --------------- ------------ 39 12 Answer: LCM of 39, 12 = 3 13, 4 = 3 x 13x 4 = 156 (34378.50 x 4) - (4041.60 x 13) 137514.00 - 52540.80 84973.20 ------------------------------------ = -------------------------- = ---------------- = 544.70

156 156 156 (iii) 967.20 1265 ----------- + -----------------

8 5 ANSWER: L C M of 8 & 5 is 40. (967.20 x 5) + (1265 x 8) 4836+ 10120 14956 ------------------------------------ = -------------------------- = ------------------= 373.90 40 40 40

3,678,005.33 2,637,429.7667,544.39 49,159.63

========== ===========3,610,460.94 2,588,270.132,588,270.13

=========== 1,022,190.81

69

3 Ramesh Deposits a sum of Rs.45000/- in the Bank for 6% Simple Interest per annum. How much he will get (a) after 2 years 6 months (b) 5 years 3 months. Ans: Ramesh Principle Deposit Amount Rs.45000/- Rate of Simple Interest per annum 6% (a)Amount he gets after 2 years 6 months Simple Interest after 2 years 6 months (30 months or 2.5) = 45000 x 6% x 2.5 450 45000 x 6 x 2.5 ------------------- = 450 x 15 = 6750 100 Amount he gets after 2 years 6 months = Principle 45000 + interest 6750 = 51750 (b)Amount he gets after 5 years 3 months Simple Interest after 5 years 3 months (63months) = (45000 x 6% x 63)/12 225 450 45000 x 6 x 63 ------------------- = 225x 633= 14175 100 x 12 2 Amount he gets after 5 years3 months = Principle 45000 + interest 14175 = 59175 4 Mr. Sankar started a business with a capital of Rs.6 lakhs. Mr. Madan joined him after 6 months with a capital of Rs.9 lakhs. At the end of the year, there was a profit of Rs.252000/-. What will be the share of profit for each partner. Answer: Shankar capital amount = 600000 Shankar period in business=1 year = 12 months Madan capital amount = 900000 Madan period in business = 6 months Ratio of Shankar & Madan business share = 600000 x 12 : 900000 x 6 To simplify = 6 x 12 : 9 x 6 == 72 : 54 == 12:9 Profit received at the end of the year = 252000 Profit share to Shankar = ( 252000 ÷ 21) x 12 = 12000 x 12 = Rs.1,44,000/- Profit share to Madan = ( 252000 ÷ 21) x 12 = 12000 x 9 = Rs.1,08,000/-

5 A shopkeeper offers his customer 10% discount and still makes a profit of 20%. What is the actual cost to him on an article marked Rs.24000/- Answer: Marked Price of the article = 24000/- Discount percentage = 10% = Discount amount = 24000 x 10/100 = 2400 Sale Price = Marked Price – Discount = 24000 – 2400 = 21600 Profit percentage gained on actual cost = 20% Cost Price = { (S.P. X 100) ÷ (100 + Profit %)} In case of Profit 180 21600 x 100 = (21600 x 100) ÷ (100 + 20) = ------------------ = 18000

120 Actual Cost Price of the article = Rs. 18000 6. A train runs first 180 kms ., at a speed of 60 km., per hour and the next 150 kms., at a speed of of 50 kms., per hour. Find the average speed of the Train

70

Time taken to cover 180kms at 60 kmph = 180 ÷ 60 = 3 hours Time taken to cover next 150 km at 50kmph= 150 ÷ 50 = 3 hours Total distance covered = 180 + 150 = 330 km Total time taken to cover the total distance = 3 + 3 = 6 hours Average speed of the Train = Total Distance covered ÷ Total time taken = 330 km ÷ 6 = 55kmph

7 . Shamlal and Ramlal together can complete a given work in 8 days. Shamlal can alone complete the same work in 12 days. In how many days will Ramlal take to complete the same work. Answer: Time taken to complete the work by both Ramlal & Shamlal = 8 days Work completed in 1 day by both Ramlal & Shamlal = 1/8 work Time taken to complete the work by Shamlal alone = 12 days Work completed in 1 day by Shamlal alone = 1/12 work Work completed in 1 day by Ramlal alone = Work completed by both –completed by Shamlal 3 – 2 1 = 1/8 – 1/12 = -------------- = ------------ 24 24

Ramlal can complete 1/24 work in a day. i.e., Ramlal alone can complete the work in 24 days.

Definitions:

i. Cost Price (C.P) : The Price at which an article is purchased is called its Cost Price.

ii. Selling Price (S.P) : The Price at which an article is sold is called its Selling Price.

iii. Profit or Gain : (S.P.) – (C.P.)

iv. Loss : (C.P.) – (S.P.)

v. Gain or Loss is always reckoned on C.P.

Formulae:

i. Gain % =

ii. Loss % =

iii. S.P. = X C.P.

iv. S.P. = X C.P.

v. C.P. = X S.P.

vi. C.P. = X S.P.

71

ARITHEMETIC PROBLEMS FOR REVIEW AND PRACTICE

1. A Table is bought for Rs. 950 and sold at Rs. 1140. Find the gain percent?

Sol: Cost Price = Rs. 950

Selling Price = Rs. 1140

Gain = Selling Price – Cost Price

= Rs. 1140 – Rs.950 = Rs. 190

Gain % = %

= %

1 20

= %

5 Gain % = 20 %

2. A Sheep is bought for Rs. 1020 and sold at Rs. 850. Find the Loss percent?

Sol: Cost Price = Rs. 1020

Selling Price= Rs. 850

Loss = Cost Price – Selling Price

= Rs. 1020 – Rs. 850 = Rs. 170

Loss % = %

=

Gain % = 16.67 %

3. A bat is bought for Rs. 75 and sold at a Gain of 8%. Find its Selling Price?

Sol: A bat is bought for Rs. 75

Cost Price (C.P.) = Rs. 75

72

Sold at a gain of 8% Gain = 8% Selling Price (S.P.) = ?

Selling Price (S.P.) = X C.P.

= X 75

= X 75

27 54 3

= X 75

4 2 = Rs. 27 X 3 = Rs. 81 Selling Price = Rs. 81

4. A chair is bought for Rs. 750 and sold at a loss of 6%. Find its Selling Price?

Sol: A chair is bought for Rs. 750 Cost Price = Rs. 750 Sold at a Loss of 6 % Loss % = 6 % Selling Price (S.P.) = ?

Selling Price= X C.P.

Selling Price= X 750

= X 750

47 15

= X 750

2

73

= 47 X 15 = Rs. 705 Selling Price= Rs. 705 5. By selling a watch for Rs. 1440, a man loses 10%. At what price should he sell it to gain 5% ?

Sol: By selling a watch for Rs. 1440

Selling Price= Rs. 1440 Loss % = 10 %

Now we have to find out Cost Prize

Cost Prize = X S.P.

= X 1440

16 48

= X 1440

3 = 100 X 16 = Rs. 1600 To get 5% gain

S.P. = X C.P.

= X 1600

16

= X 1600

= 105 X 16

= Rs. 1680

74

6. Gurdeep lost 20% by selling a bicycle for Rs. 1536. What percent shall he gain by selling it for

Rs. 2040 ?

Sol: S.P. = Rs. 1536

Loss % = 20 % C.P. = ?

C.P. = X S.P.

= x 1536

5 384

= x 1536

4 = Rs. 1920

Gain = S.P. – C.P. = 2040 – 1920 = Rs. 120

Gain % = 5 15 30 60 5

=

96 48 24 12 4

=

= 6 %

75

7. Radhika deals with Second hand goods. She bought a Second hand refrigerator for Rs.5000.

She spends Rs. 100 on transportation and Rs. 500 on its repair. She sells the refrigerator for Rs. 7000. Find (i) the total cost price of the refrigerator (ii) profit or loss percent.

Sol: i. Purchasing Price = 5000

Transportation Charges = 100 Repair Charges = 500 Total Cost Price = Purchasing Price + Transportation Charges + repair charges

= 5000 + 100 + 500 Total C.P. = 5600 ii. Selling Price is Rs. 7000. Here Selling Price > Cost Price, So there is a profit. Profit = Selling Price - Cost Price = 7000 – 5600 = 1400

Profit Percent =

25

=

4 Profit Percent = 25 % 8. Vinay bought a flat for Rs. 4,50,000. He spent Rs. 10,000 on its paintings and repair. Then he

sold it for Rs. 4,25,500. Find his gain or loss and also its percent.

Sol: Total Cost Price = Purchasing Price + repair charges = 4,50,000 + 10,000 Total Cost Price = 4,60,000 Selling Price is Rs. 4,25,000. Here we can observe Selling Price < Cost Price So there is a loss. Loss = Cost Price – Selling Price = 4,60,000 – 4,25,000 Loss = Rs. 34,500

76

Loss Percent = %

=

=

= 7.5 %

Loss Percent = 7.5 %

9. Venkanna purchased 50 dozen bananas for Rs. 1250. He incurred transportation charges of Rs. 250. He could not sell five dozen bananas as they were spoiled. He sold the remaining bananas at Rs. 35 for each dozen. Will he get a profit or a loss? Find Profit or Loss Percent?

Sol: Cost Price of bananas = Rs. 1250

Transportation Charges = Rs. 250 Total Cost Price = Cost Price of bananas + Transportation Charges = 1250 + 250 = Rs. 1500 Number of dozens of bananas sold = Number of dozens purchased – Number of

dozens not sold = 50 – 5 = 45 Selling Price = Rs. 35 X 45 = Rs. 1575 Clearly Selling Price > Cost Price. So it is a Profit Profit = Selling Price – Cost Price = Rs. 1575 – Rs. 1500 = Rs. 75

Profit Percent = %

5

=

15

Profit Percent = 5 %

77

10. The printed price of a book is Rs. 150 and discount is 15%. Find the actual amount to be paid?

Sol: The printed price of a book = Rs. 150

Discount = 15 %

Discount % =

Discount = 15 % of 150

= x 150

= Rs. 22.5

The S.P. of a book = 150 – 22.5 = Rs. 127.50

11. Malik sells two tables for Rs. 3000 each. He gains 20% on one table and on the other he loss 20%. Find his gain or loss percent on the whole transaction.

First Table Second Table Selling Price = Rs. 3000 Profit Percent = 20% Selling Price is Rs. 120 When Cost Price is Rs. 100 When Selling Price is Rs. 3000 What will be the Cost Price? 5 500

Cost Price = 100 X

6 = Rs. 2500

Selling Price = Rs. 3000 Loss Percent = 20% Selling Price is Rs. 80 When Cost Price is Rs. 100 When Selling Price is Rs. 3000 What will be the Cost Price? 5 750

Cost Price = 100 X

4 = Rs. 3750

Total Cost Price on Two Tables = First Table + Second Table = Rs. 2500 + Rs. 3750 = Rs. 6250 Total Selling Price on Two Tables = First Table + Second Table = Rs. 3000 + Rs. 3000 = Rs. 6000 Since Cost Price > Selling Price

78

So there is a loss Loss = Cost Price – Selling Price = Rs. 6250 – Rs. 6000 = Rs. 250 On Cost Price of Rs. 6250 Loss is Rs.250

Loss Percent =

1 4

=

25 = 4 Loss Percent = 4 %

12. The Market Price of a gift item is Rs. 176 and sold it Rs. 165. Find the discount percent?

Sol: Market Price of a gift = Rs. 176

S.P. = Rs. 165 Discount = 176 – 165 = Rs. 11

Discount % =

1 25

Discount % = = = 6 %

16 4

13. A shop keeper purchased 200 bulbs for Rs. 10 each. However 5 bulbs were fused and put them into scrap. The remaining were sold at Rs. 12 each. Find the gain or loss percent? Sol: The C.P. of 200 bulbs at the rate of Rs. 10 for each = 200 X 10 = Rs. 2000

If 5 bulbs are fused then remaining are = 200 – 5 = 195 The S.P. pf 195 bulbs at the rate of Rs. 12 for each = 195 X 12 = Rs. 2340 S.P. > C.P.

79

Profit % = x 100

17

= x 100

Profit % = 17%

14. A table was sold for Rs. 2,142 at a gain of 5%. At what price should it be sold to gain 10%?

Sol: S.P. of a table = Rs. 2,142 Profit % = 5%

C.P. = =

= = Rs. 2040

The C.P. of buyer = Rs. 2040 Profit % = 10%

S.P. = 2040 = 2040 X = 204 X 11

S.P. = Rs. 2244

15. Gopi sold a Watch to Ibrahim at 12% gain and Ibrahim sold it to John at a loss of 5%. If John paid Rs. 1,330, then find how much did Gopi sold it?

Sol: Let Gopi’s Cost Price = Rs. 100

Gain = 12%

Gopi’s selling price to Ibrahim (or) Ibrahim’s Cost Price = Rs. 100 + Rs. 12 = Rs. 112

Ibrahim’s loss = 5%

Ibrahim’s selling price = 112 = = Rs. 106.40

For Rs. 100 we get = Rs. 106.40 For Rs. 1330 how much we get?

X 100 = = Rs. 1250

Gopi’s sold price = 1250 = = Rs. 1400

80

Short Cut: John CP is Ibrahim SP 100 - 95 ? - 1330

CP of Ibrahim = = Rs. 1400

CP of Ibrahim is SP of Gopi = Rs. 1400

16. Madhu and Kavitha purchased a new house for Rs. 3,20,000. Due to some economic problems they sold the house for Rs. 2,80,000. Find (a) the loss incurred (b) the loss percentage

Sol: C.P. of a house = Rs. 3,20,000

S.P. of a house = Rs. 2,80,000

C.P. > S.P.

(a) Loss = C.P. – S.P. = 3,20,000 – 2,80,000 = 40,000

(b) Loss % = X 100

= X 100 = = = 12.5 %

Loss % = 12.5%

S.No. Marked Price Discount Selling Price in Rupees

1 450/- 7% Discount = X 450 = X 45 = = 31.5

Selling Price = 450 – 31.5 = Rs. 418.5

2 560/- 9%

28

Discount = X 560 = = = 5.4

5 Selling Price = 560 – 5.4 = Rs. 554.6

3 250/- 5%

5

Discount = X 250 = = = 12.5

2 Selling Price = 250 – 12.5 = Rs. 237.5

4 15000/- 15%

Discount = X 15000 = = 225

Selling Price = 15000 - 225 = Rs. 14,775

81

Find the sum of the following: 17. 3256704.78 379873.64 47652153.90

88.92 230418.71 4672.32 56742.98 09.15 9373673.40

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

3 2 5 6 7 0 4 . 7 8 8 8 . 9 2 5 6 7 4 2 . 9 8 3 7 9 8 7 3 . 6 4 5 2 3 0 4 1 8 . 7 1 0 9 . 1 5

4 7 6 5 2 1 5 3 . 9 0 4 6 7 2 . 3 2 9 3 7 3 6 7 3 . 4 0

❷ ❶ ❸ ❸ ❹ ❹ ❹ ❺ . ❸ 6 5 9 5 4 3 3 7 . 8 0

5 3000/- 10%

Discount = X 3000 = = 300

Selling Price = 3000 - 300 = Rs. 2700

6 9500/- 8%

Discount = X 9500 = 8 X 95 = 760

Selling Price = 9500 – 760 = Rs. 8740

7 67000/- 17%

Discount = X 67000 = 17 X 670 = 13390

Selling Price = 67000 - 13390 = Rs. 53510

8 8000/- 8% Discount = X 8000 = 8 X 80 = 640

Selling Price = 8000 – 640 = Rs. 7360

9 1520/- 10%

Discount = X 1520 = 152

Selling Price = 1520 – 152 = Rs. 1368

82

18. 498374.65 532902.43 31203679.12 47235.49 2349.31 310208.73 3213043.53 9314501.29 7624637.53

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

4 9 8 3 7 4 . 6 5 4 7 2 3 5 . 4 9 3 2 1 3 0 4 3 . 5 3 5 3 2 9 0 2 . 4 3 2 3 4 9 . 3 1 9 3 1 4 5 0 1 . 2 9

3 1 2 0 3 6 7 9 . 1 2 3 1 0 2 0 8 . 7 3 7 6 2 4 6 3 7 . 5 3

❷ ❷ ❷ ❸ ❸ ❸ ❺ ❹ . ❸ 5 2 7 4 6 9 3 2 . 0 8

19. 754321.52 9029.11 9876543.92 84672.40 372.24 22465478.42

999.31 48.12 827.13 Crores Ten

Lakhs Lakhs Ten

Thousands Thousands Hundreds Tens Ones

7 5 4 3 2 1 . 5 2 8 4 6 7 2 . 4 0 9 9 9 . 3 1 9 0 2 9 . 1 1 3 7 2 . 2 4 4 8 . 1 2 9 8 7 6 5 4 3 . 9 2

2 2 4 6 5 4 7 8 . 4 2 8 2 7 . 1 3

❶ ❷ ❷ ❸ ❹ ❹ ❺ ❸ ❶ 3 3 1 9 2 2 9 2 . 1 7

20. 246721.22 842632.11 422304.84 96321.42 467842.11 9348.25 32842.74 24681028.22 120054.46

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

2 4 6 7 2 1 . 2 2 9 6 3 2 1 . 4 2 3 2 8 4 2 . 7 4 8 4 2 6 3 2 . 1 1 4 6 7 8 4 2 . 1 1

2 4 6 8 1 0 2 8 . 2 2 4 2 2 3 0 4 . 8 4 9 3 4 8 . 2 5 1 2 0 0 5 4 . 4 6 ❷ ❹ ❸ ❹ ❷ ❸ ❸ ❷

2 6 9 1 9 0 9 5 . 3 7

83

21. 28712879.13 876524.42 8264826.24

875671.82 84926.40 90107.42 24642.77 3487.92 9023468.51

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

2 8 7 1 2 8 7 9 . 1 3 8 7 5 6 7 1 . 8 2 2 4 6 4 2 . 7 7 8 7 6 5 2 4 . 4 2 8 4 9 2 6 . 4 0 3 4 8 7 . 9 2 8 2 6 4 8 2 6 . 2 4 9 0 1 0 7 . 4 2 9 0 2 3 4 6 8 . 5 1

❷ ❷ ❹ ❸ ❺ ❹ ❺ ❹ ❷ 4 7 9 5 6 5 3 4 . 6 3

22. 89012348.22 7428232.75 7624204.84

7284242.10 246810.55 789012.78 1928467.63 2328765.42 7766553.12

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

8 9 0 1 2 3 4 8 . 2 2 7 2 8 4 2 4 2 . 1 0 1 9 2 8 4 6 7 . 6 3 7 4 2 8 2 3 2 . 7 5 2 4 6 8 1 0 . 5 5 2 3 2 8 7 6 5 . 4 2 7 6 2 4 2 0 4 . 8 4 7 8 9 0 1 2 . 7 8 7 7 6 6 5 5 3 . 1 2

❹ ❹ ❹ ❺ ❸ ❸ ❸ ❹ ❸ 12 4 4 0 8 6 3 5 . 4 1

23. 3961234.60 139017.13 8634253.72

387615.52 29324573.29 654321.63 2178.31 3971.19 36786432.45

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

3 9 6 1 2 3 4 . 6 0 3 8 7 6 1 5 . 5 2 2 1 7 8 . 3 1 1 0 3 9 0 1 7 . 1 3

2 9 3 2 4 5 7 3 . 2 9 3 9 7 1 . 1 9 8 6 3 4 2 5 3 . 7 2 6 5 4 3 2 1 . 6 3

3 6 7 8 6 4 3 2 . 4 5 ❸ ❸ ❸ ❹ ❸ ❸ ❸ ❸ ❸ 8 7 9 3 5 9 7 . 9 4

84

24. 4862341.32 23678910.73 2310.10

1021873.39 27643012.81 87432.31 678320.41 123100.09 1985321.56

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

4 8 6 2 3 4 1 . 3 2 1 0 2 1 8 7 3 . 3 9 6 7 8 3 2 0 . 4 1

2 3 6 7 8 9 1 0 . 7 32 7 6 4 3 0 1 2 . 8 1 1 2 3 1 0 0 . 0 9 2 3 1 0 . 1 0 8 7 4 3 2 . 3 1 1 9 8 5 3 2 1 . 5 6

❷ ❹ ❹ ❹ ❸ ❷ ❶ ❸ ❸ 6 0 0 8 2 6 2 2 . 7 2

25. 67824371.37 9323946.23 62547810.31

654123.52 37648237.19 31027911.49 1243234.92 11054239.20 701234.50

Ten Crores

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

6 7 8 2 4 3 7 1 . 3 7 6 5 4 1 2 3 . 5 2 1 2 4 3 2 3 4 . 9 2 9 3 2 3 9 4 6 . 2 3 3 7 6 4 8 2 3 7 . 1 9 1 1 0 5 4 2 3 9 . 2 0 6 2 5 4 7 8 1 0 . 3 1 3 1 0 2 7 9 1 1 . 4 9 7 0 1 2 3 4 . 5 0 ❸ ❹ ❸ ❹ ❹ ❸ ❸ ❸ ❸

2 2 2 0 2 5 1 0 8 . 7 3

26. 82748242.12 4442229.56 43210.33 4300824.93 987654.52 489010.42 948765.42 98421.82 98765.15

Crores Ten Lakhs

Lakhs Ten Thousands

Thousands Hundreds Tens Ones

8 2 7 4 8 2 4 2 . 1 2 4 3 0 0 8 2 4 . 9 3 9 4 8 7 6 5 . 4 2 4 4 4 2 2 2 9 . 5 6 9 8 7 6 5 4 . 5 2 9 8 4 2 1 . 8 2 4 3 2 1 0 . 3 3 4 8 9 0 1 0 . 4 2 9 8 7 6 5 . 1 5

❶ ❹ ❺ ❺ ❹ ❸ ❸ ❹ ❷ 9 4 1 5 7 1 2 4 . 2 7

85

27. i ii

[3678005.33 – 67544.39] – [2637429.76 – 49159.63] Sol: [3678005.33 – 67544.39] – [2637429.76 – 49159.63]

I ii 3678005.33 2637429.76 67544.39 49159.63 3610460.94 2588270.13 i - ii 3610460.94 2588270.13 1022190.81

i – ii = 1022190.81 28. i ii

[5689253.88 – 95432.10] – [896532.23 – 54932.64] Sol: [5689253.88 – 95432.10] – [896532.23 – 54932.64] i ii 5689253.88 8965432.23 95432.10 54932.64 5593821.78 8910499.59 ii - i 8910499.59 5593821.78 3316677.81 i – ii = -(ii – i) = - (3316677.81) = -3316677.81

29. i ii [6543219.20 – 54321.03] – [4321024.18 – 75432.01] Sol: [6543219.20 – 54321.03] – [4321024.18 – 75432.01]

I ii 6543219.20 4321024.18 54321.03 75432.01 6488898.17 4245592.17

i - ii 6488898.17 4245592.17 2243306.00

i – ii = 2243306.00

86

30. i ii [3625432.10 – 522.25] – [3264298.17 – 64231.11] Sol: [3625432.10 – 522.25] – [3264298.17 – 64231.11]

I ii 3625432.10 3264298.17 522.25 64231.11 3624909.85 3200067.06 i - ii 3624909.85 3200067.06 _424842.79

i – ii = 424843.69

31. i ii [576078.27 – 3435.58] – [34261.85 – 4762.15] Sol: [576078.27 – 3435.58] – [34261.85 – 4762.15]

I ii 576078.27 34261.85 3435.58 4762.15 572642.69 29499.70 i - ii 572642.69 29499.70 543142.99

i – ii = 543142.99

32. i ii [765432.47 – 54628.72] – [84324.22 – 6243.12] Sol: [765432.47 – 54628.72] – [84324.22 – 6243.12]

I ii 765432.47 84324.22 54628.72 6243.12 710803.75 78081.10 i - ii 710803.75 78081.10 632722.65

i – ii = 632722.65

87

33. i ii

[754632.73 – 8431.03] – [87654.11 – 8932.10] Sol: [754632.73 – 8431.03] – [87654.11 – 8932.10]

I ii 754632.73 87654.11 8431.03 8932.10 746201.70 78722.01 i - ii 746201.70 78722.01 667479.69

i – ii = 667479.69

34. i ii [87635.77 – 7432.06] – [64321.22 – 6312.10] Sol: [87635.77 – 7432.06] – [64321.22 – 6312.10]

I ii 87635.77 64321.22 7432.06 6312.10 80203.71 58009.12 i - ii 80203.71 58009.12 22194.59

i – ii = 22194.59

35. i ii [234621.37 – 5120.33] – [84314.62 – 3489.55] Sol: [234621.37 – 5120.33] – [84314.62 – 3489.55]

I ii 234621.37 84314.62 5120.33 3489.55 229501.04 80825.07 i - ii 229501.04 80825.07 148675.97

i – ii = 148675.97

88

36. i ii

[262432.05 – 2364.51] – [62893.51 – 3264.23] Sol: [262432.05 – 2364.51] – [62893.51 – 3264.23]

I ii 262432.05 62893.51 2364.51 3264.23 260067.54 59629.28 i - ii 260067.54 59629.28 200438.26

i – ii = 200438.26

37. +

= =

Sol: 1 2 ) 3 7 4 3 8 5 6 ( 3 1 1 9 8 8 8 ) 3 8 7 2 3 ( 4 8 4 0. 3 - 3 6 - 3 2

1 4 6 7 1 2 - 6 4

2 3 3 2 1 2 - 3 2 1 1 8 0 3 1 0 8 - 0 0 1 0 5 3 0 9 6 - 2 4 9 6 6 - 9 6 0

= = 3119.88 = = 48.403

+ = 3119.88 + 48.40 = 3168.28

89

38. +

3368 10104

Sol: = & = = 33.68 3 39 ) 4 3 8 3 6 5 0 ( 1 1 2 4 0 1 . 2 39 X 1 = 39

- 3 9 39 X 2 = 78 4 8 39 X 3 = 117 - 3 9 39 X 4 = 156 9 3 39 X 5 = 195 - 7 8 39 X 6 = 234 1 5 6 39 X 7 = 273 - 1 5 6 39 X 8 = 312 0 5 0 39 X 9 = 351 - 3 9 39 X 10 = 390 1 1 0 - 7 8 3 2

= = 1124.012

+ = 1124.012 + 33.68 = 1157.692

39. A sum of Rs. 2,500 is borrowed at a rate of 12% per annum for 3 years. Find the Simple Interest on this Sum and also the amount to be paid at the end of 3 years.

Sol: Here P = Rs. 2500

T = 3 Years R = 12%

IMPORTANT FACTS AND FORMULAE:1) PRINCIPAL : The Money borrowed or lent out for a certain period is called the Principal or

the Sum. 2) INTEREST : Extra Money paid for using other’s money is called interest. 3) SIMPLE INTEREST (S.I.) : If the interest on a sum borrowed for a certain period is reckoned

uniformly (i.e. on the same principal throughout the loan period) then it is called Simple Interest. Let Principal = P, Rate = R% per annum (p.a.) and Time = T years. Then,

i. S.I. =

ii. P = , R = and T =

90

As S.I. = = = = Rs. 900

Interest for 3 Years = Rs. 900

40. Find S.I. on Rs. 5600 at 6 % p.a. for 9 months

Sol: Here P = Rs. 5600

R = %

3

T = Year = Year [ 1 Year = 12 Months]

4

S.I. = = 5600 X x x = = Rs. 280

41. Find S.I. on Rs. 16250 at 8% p.a. for 73 days?

Sol: Here P = Rs. 16250

R = 8% p.a. 1

T = = Years

5 3250 65 4

S.I. = = 16250 x 8 x = = Rs. 260 2

42. Find S.I. on Rs. 7300 at 12% p.a. for the period from 5th Jan 2007 to 18th April 2007?

Sol: Note: The day on which the deposited is not counted and the day on which the money is withdrawn, is counted.

Here P = Rs. 7300 R = 12% p.a. JAN FEB MAR APR T = (26 days + 28 days + 31 days + 18 days) = 103 days

= Year

91

S.I. = = Rs. (7300 X 12 X X )

= Rs. = Rs. 247.20

43. Find the amount and the compound interest on Rs. 6500 for 2 years, compounded annually,

the rate of interest being 5% per annum during the first year and 6% per annum during the Second Year?

Sol: P = Rs. 6500

R = 5%

T = 1 Year

I = = = 325

A = P + I = 6500 + 325 = 6825 P = 6825 (At the beginning of 2nd Year A = P) R = 6% T = 1 Year

I = = = 409.5

A = P + I = 6825 + 409.5 Amount = Rs. 7234.50

C.I. = A – P = Rs. 7234.50 – Rs. 6500

= Rs. 734.50 44. Prathibha borrows Rs. 4700 from a Finance Company to buy her First Car. The rate of Simple

interest is 17% and she borrows the money over a 5 Year period. Find a)Howmuch amount Prathibha should repay the Finance Company at the end of Five Years, b) her equal monthly repayments? Sol: P = Rs. 47000

R = 17% T = 5 Years

a) I = = = 39950

92

A = P + I = 47000 + 39950 = 86950 Amount to be pay = Rs. 86950

b) In monthly equal installments she has to pay = = =

= 1449.10 = Rs. 1450 (Approximately)

45. Three partners A, B and C invest Rs. 1600, Rs. 1800 and Rs. 2300 respectively in business. How

should they divide the profit of Rs. 1938? Sol: The profit should be divided in the ratios of the Capitals

A’s Capital = Rs. 1600 B’s Capital = Rs. 1800 C’s Capital = Rs. 2300 Ratio’s of the Capitals = 1600 : 1800 : 2300 = 16 : 18 : 23 34 646

A’s Share = X 1938 = X 1938 = 544

19 34 646

B’s Share = X 1938 = X 1938 = 544

19 34 646

B’s Share = X 1938 = X 1938 = 782

19 46. A and B start a business by investing Rs. 100000 and Rs. 150000 respectively. Find the share of

each out of a total profit of Rs. 24000

Sol: A’s Capital amount = Rs. 100000 B’s Capital amount = Rs. 150000 2 3 Ratio of the capitals = 100000 : 150000 = 10 : 15 = 2 : 3 4800

A’s share = X 24000 = X 24000 = Rs. 9600

93

4800

B’s share = X 24000 = X 24000 = Rs. 14400

47. Ram, Shyam and Kamal together started a business in partnership. The ratio of their capitals is

3 : 4 : 7. If their annual profit be Rs. 21000. What will be Kamal’s share in this profit?

Sol: Profit should be divided in the ratio’s of the Capitals Rotio’s of the Capitals = 3 : 4 : 7 1500 3000

Ram’s share = X 21000 = X 21000 = Rs. 4500

2 1500 3000

Shyam’s share = X 21000 = X 21000 = Rs. 6000

2 1500 3000

kamal’s share = X 21000 = X 21000 = Rs. 10500

2

48. Amit started a business investing Rs. 25000. After 3 months, vinay joined him with a capital of Rs. 30000. At the end of the year, they make a profit of Rs. 19000. What will be shares of Profit to each person?

Sol: Amit’s Capital Amount = Rs. 25000

Amit’s period in business = 1 Year = 12 months Vijay’s Capital Amount = Rs. 3000 Vijay’s period in business = 9 months Ratio of Amit & Vinay business share = 2500 x 12 : 3000 x 9

4 5 2

= =

3 6 3

= = = 10 : 9 Profit received at the end of the year = Rs. 19000

94

1000

Profit of Amit = x 19000 = x 19000 = Rs. 10000

1000

Profit of Vinay = x 19000 = x 19000 = Rs. 9000

49. A, B and C enter into Partnership. A advances Rs. 1200 for 4 months, B, Rs.1400 for 8 months

and c, Rs. 1000 for 10 months. They gain Rs. 585 altogether. Find the share of each?

Sol: i. A’s capital = Rs. 1200

Time = 4 months

ii. B’s capital = Rs. 1400 Time = 8 months

iii. C’s capital = Rs. 1000 Time = 10 months

Ratio’s of the business share = 1200 x 4 : 1400 x 8 : 1000 x 10 = 4800 : 11200 : 10000 12 28 25 = 48 : 112 : 100 = 12 : 28 : 25 Now 12 + 28 + 25 = 65 9 117

A’s share = x 585 = Rs. 108

13 9

B’s share = x 585 = Rs. 252

9

C’s share = x 585 = Rs. 225

50. Ramu strarts a business with Rs. 2000. Raju joins him after 3 months with Rs. 4000. Gopi puts a

sum of Rs. 10,000 for 2 months only. At the end of the year the business gave a profit of Rs. 5600. How should the profit be divided among them?

Sol: Ratios of their profits = 2000 X 12 : 4000 X 9 : 10000 X 2

95

= 24000 : 36000 : 20000 6 9 5 = 24 : 36 : 20 = 6 : 9 : 5 Now 6 + 9 + 5 = 20 280

Ramu’s share = X 5600 = Rs. 1680

280

Raju’s share = X 5600 = Rs. 2520

280

Ramu’s share = X 5600 = Rs. 1400

51. A and B enter into a partnership for a year. A contributes Rs. 1500 and B contributes Rs. 2000.

After four months they admit C, who contributes Rs. 2250. If B withdraws his contribution after 9 months, how would they share a profit of Rs. 900 at the end of the year?

Sol:

I. A’s capital = Rs. 1500 Time = 12 months

II. B’s capital = Rs. 2000 Time = 9 months

III. C’s capital = Rs. 2250 Time = 8 months

Ratios of the business share = 1500 X 12 : 2000 X 9 : 2250 X 8 = 18000 : 18000 : 18000 = 1 : 1 : 1 Now 1 + 1 + 1 = 3

300

A’s share of Profit = X 900 = Rs. 300

300

B’s share of Profit = X 900 = Rs. 300

300

C’s share of Profit = X 900 = Rs. 300

96

52. How should a profit of 450 rupees be divided between two partners. One of whom has

contributed 1200 rupees for 5 months and the other 750 rupees for 4 months?

Sol: Ist Person’s capital = 1200 rupees Time in business = 5 months IInd Person’s capital = 750 rupees Time in business = 4 months

Ratio’s of their business share = 1200 x 5 : 750 x 4

2 1 = 6000 : 3000 Now 2 +1 = 3 150

Ist Person’s share of Profit = X 450 = 300 Rupees

150

IInd Person’s share of Profit= X 450 = 150 Rupees

53. A and B enter a partnership with capitals 5 : 6 and at the end of 8 months A withdraws. If they

receive profits in the ratio 5 : 9. Find how long B’s capital was used?

Sol: The ratio of the capitals = 5 : 6 A’s period in business = 8 months B’s period in business = months Ratio of the time = 8 : Ratio’s of their business share= 5 x 8 : 6 x = 40 : 6 Ratio of their profits = 5 : 9 ∴ 40 : 6 = 5 : 9

= After cross multiplication

97

6 x 5 = 40 x 9 4 8 3

∴ = = 4 x 3 =12 months 2

∴ B’s capital was used for 12 months

54. A and B enter into a partnership with their capitals in the ratio 7 : 9 at the end of 8 months. A withdraws his capital. If they receive the profits in the ratio 8 : 9. Find how long B’s capital was used?

Sol: The ratio of their capitals = 7 : 9

A’s period in business = 8 months B’s period in business = Y months Ratio’s of their business share = 7 x 8 : 9 x Y Ratio of their profit’s = 8 : 9 ∴ 7 x 8 : 8 x Y = 8 : 9 ∴ =

After cross multiplication 9 x Y x 8 = 7 x 8 x 9

∴ Y = = 7

∴ B’s capital was used for 7 months

55. A began a business with Rs. 450 and was joined afterwards by B with Rs. 300. When did B join if the profits at the end of the year were divided in the ratio 2 : 1?

Sol: A’s capital = Rs. 450

A’s time in business = 12 months B’s capital = Rs. 300 B’s time in business = Y months Ratio’s of their business share = 450 x 12 : 300 x Y

98

Ratio of the profit = 2 : 1 ∴ 450 x 12 : 300 x Y = 2 : 1

=

After cross multiplication 300 x Y x 2 = 450 x 12 3 3 6

∴ Y = = 9

2

∴ B joined after (12 – 9) = 3 months

56. A, B, C hire a meadow for Rs. 1460. A puts in 10 Cows for 20 days, B puts 30 Cows for 8 days and C puts 16 Cows for 9 days. Find the rent paid by each one of them?

Sol: A: 10 Cows for 20 days

B: 30 Cows for 8 days C: 16 Cows for 9 days Ratio of rents to be paid by A, B, C = 10 x 20 : 30 x 8 : 16 x 9 25 30 18 = 200 : 240 : 144 = 25 : 30 : 18 Now 25 + 30 + 18 = 73 20

A’s share of rent = x 1460 =Rs. 500

20

B’s share of rent = x 1460 =Rs. 600

20

C’s share of rent = x 1460 =Rs. 360

99

57. A can do a piece of work in 8 days which B alone can do in 10 days in how many days both

working together can do it?

Sol: A can do a piece of work in 8 days

A’s 1 days work = B can do the same work in 10 days

B’s 1 day work =

(A + B)’s 1 day work = + LCM of 8, 10

2 8, 10

2 4, 5

2, 5 2 x 2 x 2 x 5 = 40

∴ + = =

Both working together can finish it in = days = 4 days

58. A and B together can dig a trench in 12 days, which A alone can dig in 30 days. In how many

days B alone can dig it?

Sol: A and B together can dig a trench in 12 days

(A + B)’s 1 day’s work =

A alone can dig it in 30 days

9) 4 0 (4 3 6 4

TIME AND WORK:

If A can do a piece of work in n days, then A’s 1 day’s work =

If A’s 1 day’s work = then A can finish the work in ‘n’ days ratio of work done by A and B

in the same time = 2 : 1 Ratio of times taken by A and B in doing the same work = 1 : 2

100

A’s 1 day work =

B’s 1 day work = - = 1

= =

20

∴ B’s 1 day work = Hence, B alone can dig the trench in 20 days 59. A can do a piece of work in 25 days which B alone can finish in 20days, both together work for

5 days then A leaves off. How many days will B take to finish the remaining work?

Sol: A can do a piece of work in 25 days

A’s one day work = B can do the same work in 20 days

B’s one day work =

(A + B)’s one day work = + LCM of 25, 20

= =

(A + B)‘s 5 days work = 5 x 20

=

Remaining work = 1 - = =

Work done by B in one day

work is done by B in = x = 11 days

5 25, 20

2 5 , 4

5 , 2

101

60. A can do a piece of work in 8 hours while B alone can do it in 12 hours. In how many days both

A and B together can complete the work?

Sol: A can complete the work in 8 hours

A’s 1 hour work = B can complete the same work in 12 days LCM of 8, 12:

B’s 1 hour work =

(A + B)’s 1 hour work = + = = = 2 x 2 x 2 x 3 = 24

∴ A and B working together can complete the work in = hours = 4 hours

61. Ram and Shyam together can finish a job in 8 days. Ram can do the same job on his own in 12 days. How long will Shyam take to do the job by himself?

Sol: Ram and Shyam together can finish a job in 8 days

(Ram + Shyam)’s 1 day work =

Ram can do the same job in 12 days

Ram’s 1 day work = LCM of 8, 12

Shyam’s 1 day work = - = =

= 2 x 2 x 2 x 3 = 24

Shyam can do the work in = 24 days

2 8 , 12 2 4 , 6

2 , 3

5) 2 4 (42 0 4

2 8 , 12 2 4 , 6

2 , 3

102

62. A can built a wall in 30 days. While B alone can build it in 40 days. If they build together and

get a payment of Rs. 7000. What is the share of B?

Sol: A can complete the work in 30 days

A’s 1 day work =

B can complete the work in 40 days

B’s 1 day work = 4

Ratio of share of A and B = : = x = = = 4 : 3 3 1000

B’s share = x 7000 = x 7000 = Rs. 3000

63. Convert 90 into meters per second 5

Sol: 90 = 90 x = 25

64. Convert 35 m/sec into

7

Sol: 35 m/sec = 35 x = 126

TRAIN PROBLEMS

• a = (a x )

• a = (a x )

• Time taken by a train of length meters to pass a pole or a standing man or a signal post is equal to the time taken by the train to cover meters. • Time taken by a train of length meters to pass a stationary object of length meters is the same time taken by the train to cover ( + ) meters. • Suppose two trains or two bodies are moving in the same direction at and

, where > then their relative speed = ( – ) m/s. • Suppose two trains are moving in opposite directions at m/s and m/s then their relative speed = ( + ) m/s

• If a certain distance covered at and the same distance is covered at

then the average speed during the whole journey is

103

65. A 75 m long train is running at 54 km/hr. In how much time will it cross an electrical pole?

Sol: Length of the train = 75 m

Speed of the train = 54 3

= 54 x = 15

Time taken to cross an electrical pole = Time taken to cover 75 m 5

Time = = = 5 sec

Train will take 5 sec to cross an electrical pole

66. A train 160m long is running at 40 km/hr. in how much time will it pass a plat form 140m long?

Sol: Length of the train = 160m Speed of the train = 40 20

= 40 x = 9 Distance covered in passing the platform = Length of the train + Length of the Platform = 160 m + 140 m = 300 m Time taken by the train to cross the platform:

Time = = = 300 x = 27 sec

67. A train 125 m long is running at 50 km/hr. In what time will it pass a man, running at 5 km/hr in

the same direction in which the train is going?

Sol: Length of the train = 125 m

Speed of the train = 50

Speed of the man = 5

Speed of the train relative to man = (50 – 5)

5

= 45 = 45 x =

2 Distance covered in passing the man = 125 m

104

5

∴ Time = = = 125 x = 10 sec

∴ The train will take 10 sec to pass a man running at 5

68. Two trains 128 m and 132 m long are running in same direction at 42 km/hr and 30 km/hr respectively. In what time will they be clear of each other from the moment they meet?

Sol: Ist train length = 128 m Ist train’s speed = 42 IInd train length = 132 m IInd train’s speed = 30 Two trains are running in opposite directions. ∴ Relative speed = (42 + 30) = 72 4 = 72 x = 20 Distance covered in passing each other = (128 + 132) m = 260 m Time = = = 13 sec Required time = 13 sec 69. Mr. Abhishek borrowed Rs. 600 and returned Rs. 856.50 at the end of 9 years and 6 months. What is the interest per annum he paid at Simple Interest? Sol: Principal = Rs. 600 Time = 9 6 = 9 Sum of Interest = Rs. 856.50 – Rs. 600 = Rs. 256.50 ∴ Required interest = = 85.50 = = 3 = = 45% per annum

105

70. A bag contains 50 piece, 1 rupee and 2 rupee coins in the ratio 2 : 3 : 4. If the total amount is Rs. 240, what is the total number of coins? Sol: Let the number of 50 piece coins be 2 1 rupee coins be 3 2 rupee coins be 4 Then 2 x + 3 x 1 + 4 x 2 = 240 + 3 + 8 = 240 12 = 240 20 ∴ = = 20 ∴ Total number of coins = 2 + 3 +4 = 9 = 9 x 20 =180 ∴ Total number of coins = 180 71. A dealer marks an item 40% above the cost price and offers a discount of 25% on the marked price. What is his profit percentage? Sol: Let the cost price (C.P.) of the item be Rs. 100 Then M.P. = Rs. 140 (40% above the C.P.) Discount = 25% ∴ S.P. = Rs. 140 – 25% of 140 3 35 = 75 % of 140 = x 140 = Rs. 105 4 Profit = 105 – 100 = Rs. 5 Profit % = x 100 = x 100 = 5%

106

72. A car runs at a speed of 40 when not serviced and runs at 60 when serviced. After servicing the car covers a certain distance in 5 hours. How much time will the car take to cover the same distance when not serviced? Sol: Distance covered by the car in 5 hours After servicing = 60 x 5 = 300 km Time required to cover the same distance when the car is not served 15 = = 7.5 hr 2 73. If 8 men or 12 women can do a piece of work in 10 days. Then what is the number of days required by 4 men and 4 women to finish the work? Sol: 8 men = 12 women 4 men = 6 women 4 men + 4 women = 6 women + 4 women = 10 women Given 12 women can do a piece of work 10 days 1 woman can do the same work in (12 x 10) days 10 women can do the same work in = 12 days 4 men and 4 women can do the same work = 12 days 74. Mr. Sharma takes loan Rs. 25000 and repays and amount of Rs. 31000 at the end of 2 years. What is the rate of simple interest at which he repays the loan? Sol: Principal = Rs. 25000 Amount = Rs. 31000 Time = 2 Years ∴ S.I. = 31000 – 25000 = 6000 3 4 Rate = = = 12% per annum

107

75. Two pipes can fill a tank in 20 min and 30 min respectively. If both the pipes are opened simultaneously then the tank will be filled in ? Sol: Part of tank filled by Ist pipe in 1 minute = Part of tank filled by 2nd pipe in 1 minute = ∴ Part of tank illed by both the pipes in 1 min = + 1 = = = 12 ∴ Time taken to ill the tank = 12 minutes 76. The length of a train and that of a platform are equal. If with the speed of 54 , the train crosses the plot form in 1 minutes, then what is the length of the platform in meters? Sol: Let the length of the train and platform be meters each 3 Speed of the train = 54 = 54 x = 15 Then = 1.5 x 60 sec 2x = 1.5 x 60 x 15 = 1350 meters 77. The ratio of a father’s age to his son’s age is 4%. The product of their ages is 196. What is the ratio of their ages after 5 years? Sol: Let the father’s age and son’s age be 4 and respectively Given, 4 x = 196 49 2 = = 49 2 = 49 = = 7 x = 7 x 7 11 ∴ Required ratio = = = = = 11 : 4 4

108

78. Ram can do a piece of work in 6 days and Shyam can finish the same work in 12 days. How much work will be finished if both work together? Sol: Ram’s 1 day work = Shyam’s 1 day work = 1 If both work do together = + = = = 4 ∴ Ram and Shyam together can complete the work in 4 days 79. A certain number of men can do a work in 60 days. If there were 8 more men, it could be completed in 10days less. How many men were there in the beginning? Sol: Let the number of men in the beginning be men can do the work in 60days ( + 8) men can do the same work in 50days More men ⟹ Less time ⟹ inverse variation ∴ The proportion can be written as : ( + 8) :: 50 : 60 ⟹ = ⟹ 60 = 50 ( + 8) ⟹ 60 = 50 + 400 ⟹ 10 = 400 ⟹ = = 40 ∴ = 40 ∴ There are 40 men in the beginning

109

80. In an 800m race, A defeated B by 15 seconds. If A’s speed was 8 , what was the B’s speed? 4 Sol: Speed of A = 8 = 8 x = 9 Distance covered = 800m 40 ∴ Time taken by A to complete the race = = = 360 sec Time taken by B to complete the race = (365 + 15) sec = 375 sec 32 160 6 ∴ Speed of B = = x = = 75 25 = 7 81. A tank has 3 pipes. The first pipe can fill part of the tank in 1 hour and the second pipe can fill part in 1 hour. The third pipe is for making the tank empty. When all the three pipes are open 7/12 part of the tank is filled in 1 hour. How much time will the third pipe take to empty the completely filled the tank? Sol: Let the time taken by the third pipe to completely empty the tank = hours Then [ + - ] = [ - ] = - = 1 = - = = = 4 ∴ The third pipe shall take 4 hours to empty the completely filled tank

110

82. A man completes of a job in 10 days. At this rate how many more days will it take him to finish the job? Sol: of the job is done in 10 days ∴ Whole job is done is [ 10 x ] days 2 of the job is done in [ 10 x x ]= 6 days 83. Raj invested Rs. 76000 in a business. After few months Sham joined him and invests Rs. 57000. At the end of year both of them share the profits at the ratio 2 : 1. After how many months sham joined Raj? Sol: Raj invested Rs. 76000 for 12 months and Sham invested Rs. 57000 for months Sham invested Rs. 57000 for months Now = 2 : 1 76 x 12 : 57 x :: 2 : 1 57 x 2 = 76 x 12 x 1 2 4 4 = = 8 3 ∴Sham invested Rs. 57000 for 8 months And he joined after 12 – 8 = 4 months 84. A, B, C contract a work for Rs. 1100. A and B together are to do of work. What is C’s share? Sol: A and B share = C’s share = 1 - = = 100 C’s share = 1100 x = Rs. 400

111

85. A certain sum is invested on simple interest. If it trebles in 10 year, what is the rate of interest? Sol: Let the sum be Rs. Then Amount = Rs. 3 , T = 10 Years ∴ S.I. = Amount – Sum = 3 – = 2 ∴ Rate of interest = = = 20% per annum 86. Kamal can do a work in 15 days. Bimal is 50% more efficient than Kamal. What is the number of days Bimal will take to do the same piece of work? Sol: If Kamal does 1 work in 15 days Bimal will do 1 work in 15 days. i.e. 5 Bimal will do 1 work in 15 x = 10 days 87. Two pipes A and B can fill a cistern in 20 minutes and 25 minutes respectively. Both are opened together but at the end of 5 minutes B is turned off. What is the total time taken to fill the cistern? Sol: Part of the cistern filled by (A + B) in one minute = [ + ] = = ∴ Part of the cistern illed by (A + B) in 5 min = 5 x = 20 Remaining part = 1 - = part of the cistern is filled by A in a minute ∴ part of the cistern is filled by A in 20 x = 11 minutes ∴ Total time taken to ill the cistern = (11 + 5) minutes = 16 minutes 88. A man walks at a speed of 4 and runs at a speed of 8 . How much time will the man require to cover a distance of 24 km if he completes half of his journey walking and half running? Sol: Required time = 12 km running + 12 km walking = hrs + hrs = 3hr + 1.5 hr = 4.5 hrs

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Model Essays:

DEMONETIZATION Demonetization of currency means discontinuity of the particular currency from circulation and replacing it with a new currency. In the current context it is the ban on circulation of Rs.500 and Rs.1000 denomination currency notes as a legal tender on November 8th, 2016. The objectives behind the demonetization are an attempt to make India corruption free, to control the black money and to make a cashless society and to create a Digital India. Before the decision of Demonetization, Government advised the Banks and Public to open bank accounts under Jan Dhan Yojana Scheme. Government took steps to curb black money and undeclared income through individual declaration scheme on remittance to Income Tax Department. The demonetization policy will help to develop the nation with corruption-free also to track the black money. The Government will get income tax return from the unaccounted cash. It can stop funding to the unlawful activities and criminal activities like terrorism etc. It can also control the money laundering and circulation of fake currency. People are now using the Prime Minister’s Jan Dhan Yojana accounts. With this the money deposited in these accounts can be used for the developmental activity of the country. It made mandate to the individuals to submit PAN for any deposit of above Rs 50,000 in cash. This will help the income tax department to track individuals with high denominations currency. The ultimate objective is to make India a cashless society and digital India. On the other hand demonization caused huge inconvenience to the people. They ran to the banks to exchange, deposit and to withdraw. Due to delay in the circulation of new currency lot of disturbance occurred at the Branches. It has deeply affected business. Entire economy affected a lot. Many poor people did not get their daily wages also. It is also cost effective. Initial release of 2000 rupees notes instead of lower denomination, became a burden to the people with such high value currency and helped the corporate rich to make their black money into white. The Government could not achieve the desired goals of arresting black money and derive cashless society with the present demonetisation. This is mainly due to unplanned policy guidelines of the Government. The common man and poor people suffered a lot but the rich could make their black money into white currency. This is proved as the RBI and Government has declared more than 80% of the banned currency is deposited in Banks. The future will decide whether the demonetization will improve the living standards of the poor. SAMPOORNA VIKAS

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Andhra Bank is a Regional Bank founded by Dr. Bhogaraju Pattabhi Sitaramayya on 20th November, 1923. The Bank has completed 94 years of glorious service to Customers and heading towards to the Century.

In the year 1989 the Bank was nationalized. During the period of 1990s, the Bank posted the net losses. With the strategies and the good efforts made by the Management and Staff Members the Bank overcome the losses and now our Bank is continuously earning good Operating Profits for the past decade as a Big Bank.

To improve the Bank business in all parameters, our Management launched “Sampoorna Vikas” programme from 1st October, 2017 to 31st December, 2017 with the main objective of improving Operating Profit and reduce the NPA by involving all Staff Members at all Branches/Offices of the Bank.

The main objective shall be to increase CASA Accounts, Sale of 3rd Party Products, Campaign for Increasing Retail Loan Accounts, Cross Selling of our Bank Products with special focus on Digital Products like Credit Cards, Debit Cards, AB TEJ, UPI Installations to all our existing customers, Recovery of NPA Accounts with special focus on Written-off Accounts.

CASA Accounts are low cost Deposit accounts and remunerative on the services like SMS alerts and Debit Cards etc.

Now a days Customers are seeking all products at one platform. The Banks are providing such an environment by providing the 3rd party products like Insurance Schemes, Demat Accounts etc. With these Bank will get service charges as non-interest income.

Instead of bulk Corporate Loans, if the Bank increases the Retail Loans the risk will be spread, so that the profits will increase.

Recent days Government is looking for the cashless society by introducing Digital Banking. Our Bank is providing such a nice products like Credit Cards, Debit Cards, AB TEJ along with the Government App UPI. These products are very useful to the Customers particularly for the young and techno generation.

NPAs are playing vital role in the Banking Industry and Andhra Bank is no exception. This Sampoorna Vikas campaign mainly focused on reducing the NPAs by way of recovery, OTS settlements and other methods by involving all the Staff members of the Bank Branches/Offices.

Sampoorna Vikas Campaign covered all the services of the Bank to ensure that the Bank improves the Operating Profit.

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ALL INDIA ANDHRA BANK AWARD EMPLOYEES’ UNION WISHES YOU

A BRIGHT CAREER AHEAD