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Old January 3rd, 2014, 12:58 PM
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Join Date: Dec 2012

GIVE ME question paper for the bank clerk examination organized by State bank of India??

The SBI clerk exam is generally for 2 hours.SBI Clerk exam contains the following sections.

General Awareness
General English
Quantitative Aptitude
Computer Knowledge/Marketing Aptitude

As per your request, I am giving you question and answer of the SBI Clerk exam. I hope that these questions will help you.

Reasoning Questions

1.(i) 'P× Q' means 'Q' is mother of 'P'.
(ii) 'P × Q' means 'P' is brother of 'Q'.
(iii) 'P - Q' means 'P' is sister of 'Q'.
(iv) 'P ÷ Q' means 'Q is father of 'P'.

Which of the following definitely means R is grandson of K?
(a) R × T ÷ K
(b) M + R × T ÷ K
(c) M - R × T ÷ K
(d) Cannot be determined
(e) None of these.
Ans (e)

2. How many such pairs of digits are there in the number 95137248 each of which has as many digits between them in the number as when they are arranged in ascending order?
(a) None
(b) One
(c) Two
(d) Three
(e) More than three.
Ans (b)

3. In a certain code PATHOLOGIST is written as PIUBQKSRHFN. How is CONTROVERSY written in that code?
(e) None of these.
Ans (a)

4. In a certain code PATHOLOGIST is written as PIUBQKSRHFN. How is CONTROVERSY written in that code?
(e) None of these.
Ans (a)

5. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group?
(a) Food : Hunger
(b) Water : Thirst
(c) Air : Suffocation
(d) Talent : Education
(e) Leg : Lame
Ans (d)


Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.

A large majority of the poor in India are outside the formal banking system. the policy o financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every house hold or adult person may not be enough, unless these accounts and the financial services offered to them are used by the account holders. T present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc.

For the poor, interfacing with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side.

Till now, banks were looking at these accounts from a purely credit perspective. Instead , they should look at this from the point of view of meeting the huge need of the poor for savings.poor households want to save and contrary to the common perception, do have the funds to save , but lack control . informal mutual saving systems like the rotating savings and the credit associations , widespread in Africa and ‘thrift and credit groups’ in india demonstrate that poor households save. For the poor household, which lacks access to the formal insurance system and the credit system , savings provide a safety net and help then tide over crisis.

Savings can also keep them away from the cluthes of mone lenders,make formal institutions more favourable to lending them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return.

Research shows the efficacy of nformal institutions in increasing the savings of the small account holders.an MFI in the Philippines, which had existing account holders, was studied. They offered new products with’commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their own accounts until the reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make a deposit. He could not dip into savings even if he wanted to. These accounts did not pay any extra money and were illiquid.

Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater saving rates than those who did not.the policy of financial inclusioncan be a success if financial inclusion focuses on both saving needs and credit needs, having a diversified product portfolio for the poor but recognizing that self control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transactions costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically.

What is the aim of the financial inclusion policy?
(A) A focus on savings needs rather than credit need of the poor
(B) minimizing utilization of technology in banks so as to reduce transaction costs for the poor
(C) to boost low savings volumes in banks by encouraging savings among the rural poor.
(D) to make formal basic banking services available to the poor.
(E) to regulate the rate at which moneylenders lend to the poor

the author’s main objective in writing the passage is to—
(A) criticize the concept of financial inclusion
(B) point out the problems of financial inclusion
(C) discuss ways of making the financial inclusion policy successful
(D) compare financial inclusion policies of different countries
(E) cite research in support of role of MFIs in achieving financial inclusion

Which of the following can be inferred about products with commitment features?
1. Demand for such products was high.
2. They were an effective means of increasing the savings of small account holders.
3. Such facilities can only be offered by informal institutions like MFIs.
(A) All 1, 2 and 3.
(B) Only 2
(C) Both 1 and 2
(D) Both 1 and 3
(E) None of these

Why do the poor not utilize banking services?
1. Informal institutions offer higher rates of interest than those in banks.
2. Costs of reaching banks have to be borne by the poor.
3. Bank personnel do not treat the poor respectfully because their savings amounts are minimal.
(A) only 2
(B) both 1 and 2
(C) both 2 and 3
(D) all 1,2and 3
(E) none of these

Which of the following is a recommendation made by the author regarding financial inclusion?
(A) Reduce the paper work involved by seeking less information about the account holder.
(B) Lower transaction costs by utilizing latest technology.
(C) Make commitment features compulsory for all savings accounts.
(D) Entrust the responsibility of financial inclusion solely to MFIs
(E) Provide credit facilities even to those without savings accounts

1) Marketing has taken a prominent position during the last decade due to
1. Increased competition
2. Better literacy rate
3. Foreign compulsions
4. Government instructions
5. Reserve bank of India Policy Guidelines
2) Marketing is definitely required when
1. Demand exceeds supply
2. Supply exceeds demand
3. Supply equals demand
4. Staff is in excess
5. There is monopoly
3) The traditional marketing style involves
1. Door-to-door campaigns
2. Sending e-mails
3. Tele-marketing
4. SMS campaigns
5. Virtual marketing
4) Telemarketing campaigns are resorted to
1. Avoid face-to-face interactions
2. Avoid buyer resistance
3. Reach a larger clientele
4. Increase cold calls
5. Reduce profits
5) The most essential quality of a good salesperson is
1. Questioning skills
2. Good appearance
3. Production skills
4. Good communication skills
5. Curiosity
6) Digital marketing means
1. Seminars and conferences
2. Face to face selling
3. Banners
4. Cold calls
5. Sales presentations
7) Selling process includes
1. Publicity
2. Lead generation
3. Data collection
4. Product designing
5. Product re-designing
8) Web marketing involves
1. Selling websites
2. Door-to-door canvassing
3. E-mail chatting
4. Browsing the yellow pages
5. Web advertisements
9) Marketing strategies mean
1. Ideas for new employment
2. Techniques for mergers
3. Methods to improve marketing activities
4. More hits per ATM
5. Networking
10) The first step in marketing
1. Production work
2. Planning work
3. Receiving feedback
4. Telephone calls
5. Sending e-mails
11) Good competition helps in
1. Better technology
2. More market share
3. Rise in profits
4. Bigger branch network
5. Improved customer service
12) ‘Push’ marketing style requires
1. Collective effort
2. Good pushing strength
3. Lengthy talks
4. Ability of identify the leads
5. Aggressive marketing
13) Communication skills in the case of a DSA means
1. Giving lengthy speeches
2. Sending good SMS messages
3. Being talkative
4. Ability to convince the customer with the right choice of words
5. Being multi-linguist
14) Effective selling skills depend on
1. Good dress sense
2. Territory allocation
3. Sales call planning
4. Good eye-contact
5. Past performance
15) ‘Buyer Resistance’ means
1. Buyers dislike for the product
2. Fight between buyer and the seller
3. Buyers hesitation in buying the product
4. Exchange of products
5. Buyer retracting the sale
16) Buyer Resistance can be overcome by
1. Good friendship between buyer and seller
2. Good after sales service
3. Good arguments
4. Good technologies
5. Persuasive communication
177) ‘Benchmark’ means
1. Sales performance measurement
2. Marks given to sales persons
3. Appraisal
4. Standard values for comparison
5. Automation
18) Innovation in marketing means
1. New technology
2. Globalisation
3. Intense competition
4. New business models
5. Internal marketing
19) Marketing opportunities mean
1. Scope for marketing
2. Proper and effective training
3. Market planning
4. Availability of sales outlets
5. Market data
20) The USP of a current affairs is
1. No restrictions on transactions
2. Low TDS
3. High minimum balance
4. High interest balance
5. No need for KYC norms fulfilment

1. Why did the king present the diamond necklace to his daughter?
1) She liked ornaments and had grown very fond of the diamond necklace
2) The king did not like ornaments and had no use of the necklace
3) She had demanded the necklace from him
4) The king liked to give expensive gifts to his daughter
5)The king wanted to test the pricess ability of handling expensive things
2. What did the old servant realise when she woke up?
1) That there were monkeys in the place garden
2) That the princess necklace was missing from her hands
3) That a poor farmer had stolen the necklace
4) That the princess had snatched the necklace from her hands
5) That the princess had already left
3. Why did the poor farmer run?
1) He was in a hurry to reach home and hide the stolen necklace
2) He was worried that the guards would reach his house before him
3) He had stolen the necklace and did not want to be interrogated by the guards
4) He wanted to reach the landlord’s house before the guards reached there
5) H saw the royal guards running after him and thought they would arrest him
4. Why did the landlord lie about the necklace?
1) He wanted to prove that the old servant was lying
2) It was a conspiracy between him and the poor farmer
3) He did not like the priest and wanted to get him punished
4) Bhupathi had ordered him to lie about the necklace
5) He didn’t know anything about it and wanted to get rid of the guards
5. Why did the chieg minister decide to intervence in the case of the stolen necklace?
1) He suspected that the old servant was the actual culprit
2) He knew that the poor farmer was dim-witted and that he had created all the confusion
3) He knew that Bhupati was an honest minister and would never do such a thing
4) He suspected that the landlord was the actual culprit and wanted to get him punished
5) He already knew that all four men were innocent
6. What did the chief minister do in order to find out who the actual culprit was?
1) He sent a spy and asked him to find out the actual culprit
2) He directly asked Bhupathi if he had stolen the princess necklace
3) He asked the soldiers to keep a thourough watch on the old servant
4) He hid near the jail and overheard the conversation among the four men
5) He interrogated all the four men
7. Who among the following was the actual culprit?
1) The monkey
2) Bhupathi,the minister
3) The poor dim-witted farmer
4) The old and trusted servant
5) One of the royal guards
8. Which of the following is true according to the passage?
1) The necklace was made of big and small rubies
2) The royal guards did not hear the old servant scream
3) The royal guards were polite to all four men
4) The preists was on his way to the temple
5) None is true
9. Arrange the following incidents in a chronological order as they occurred in the passage.
(A) The landlord pointed towards the priest
(B) The old servant dozed off
(C) The monkeys were offered bananas
(D) A jeweler visited the king
10. What did the king do after the necklace was found?
1)He rewarded the chief minister and thanked him
2) He rewarded the guards
3) He took the necklace away from the princess
4) He apologized to all four men
5) Not mentioned in the passage
Directions(Q.11-13):Choose the word/group of words which is most similar in the meaning of the
word/group of words which is most similar in the meaning of the word/group of words printed in both as
used in the passage.
11. Dozzed off
1)Waited 2)Dreamt 3) Slept 4) Nodded 5) Sat
12. Tugging
1)Tearing 2) Stealing 3)Cheating 4)Pushing 5)Pulling
13. Precious
1) Valuable 2) Best 3)Biggest 4)Ordinary 5)Worthless
Directions(Q.14-15): Choose the word/group of words which is most opposite in meaning to the
word/group of words printed in bold as used in the passage.
14. Caught hold
1) Nabbed 2) picked up 3)Let go 4)plunged 5)slipped off
1) Scared 2)tensed 3)calm 4)Quite 5)Shaking
Directions(Q.16-20); Each sentence below has two blanks,each blank indicating that something has been
omitted.Choose the set of words for each blank which best fits the meaning of the sentence as a whole.
16. They_______invited all the members of the association ____________the inauguration.
1)had,by 2)has,at 3) can,in 4)have,for 5)want,by
17.They _________their best,but were_______ to retrieve any data from that computer.
1)gave,sorry 2)showed,able 3)thought,happy 4)sent,unsuccessful 5)tried,unable
18. The _________of rural schools is poor as ________ to their urban counterparts.
1)functions,like 2)progress,unlike 3)condition,compared 4)state,matched 5)situation,contrast
19.She would prefer__________ travel early rather _________ during peak hours.
1)for,to 2) to,than 3)in,so 4)not,if 5)at,about
20.Her purse was __________ at the bus stop so she _______ a complaint at the nearest police station.
1)taken,did 2)stolen,filed 3)given,gave 4)left,register 5)sneaked,put
Directions(Q.21-25):Read each sentence to find out whether there is any grammatical error or Idiomatic
error in it.The error,if any,will be in one part of the sentence.The number of that part is the answer.If there
is ‘No error’the answer is(5).(Ignore errors of punctuation if any.)
21. He have started/making a note of/his appointments as /he tends to forget
(1) (2) (3) (4)
them./No error.
Ans: 1
22. Ajay was adarhant/on finishing the/work before leaving /by the day./No error
(1) (2) (3) (4) (5)
Ans: 4
23. His teacher was pleasantly/surprised when she learned /that despite the all
(1) (2) (3)
problem/he participated./ No error
(4) (5)
Ans: 2
24. His brother is/not only a good/guitarist but also/a good singer/No error
(1) (2) (3) (4) (5)
Ans: 5
25.The priest then request/all the wealthy men to/donate at least some money/for
(1) (2) (3)
building a new temple./No error
(4) (5)
Ans: 1
Directions(Q.26-30)Which of the phrases(1),(2),(3) and (4) given below should replace the phrase given in
bold in the following sentence to make sentence grammatically meaningful and correct? If the sentence is
correct as it is and ‘No correction as it is and ‘No correction isrequired’,mark(5) as the answer.
26. The painter never let anyone sneaks a peek at his work before it was finished.
1) sneak a peeks 2)sneak a peek 3)sneak and peek 4)sneaking and peeking 5)No correction required
27.cane what may,she never missed a single sermon.
1)come whatever mey 2)come what may 3)come what may be 4)came what may be 5)No correction
28. Peter won the race fair and square.
1) fare and square 2)fairly and square 3)fair square 4)fair not square 5)No correction required
29. He decided to play in time in the hope that the prices would decrease
1) play the time 2)played for time 3)play for time 4)play the timing
5) No correction required
30. Instead of going through the preliminaries we must get to the heart in the matter.
1)heart for the matter 2)heart that mattered 3)heart of matters 4)heart of the matter 5)No correction
Direction(Q.31-40); In the following passage there are blanks,each of which has been numbered.These
numbers are printed below the passage,against each,five words are suggested,one of which fits the blank
appropriately.Find out the appropriate word in each case.
Once upon a time a foolish Brahmin(31) to Birbal with a starange request.He wanted to be(32) as
‘pandit’.Now,the term ‘pandit’(33) to a man of knowledge.But unfortunately this poor Brahmin was
uneducated.Birbal tried to explain the difference to him saying thar it was not correct to call an uneducated
man a pandit and because of this very reason it would be improper to call him so.But the silly Brahmin had
his heart(34) on this title.Birbal came up with a brilliant solution and said that as the Brahmin was an
uneducated man he should(35) abuses and stones at anyone who dared to address him by the very same
title.Then Birbal called all his servants and ordered them to call this Brahmin a pandit.The Brahmin was
very pleased.But the moment the servants stared calling out to him as ‘pandit’he pretended to be very
angry and(36) abusing them loudly.Then he picked up a few stones and hurled them in their direction.All
this shouting and screaming(37) a crowd.When people realized that this Brahmin was erupting every time
someone called him’pandit’,they all started to(38) him.Over the next couple of days,he would constantly
hear the word ‘pandit’whereever he went.Very soon the whole town started referring to him as
‘pandit’much to his(39).The foolish Brahmin never realized why people were alling him a pandit.He was
extremely pleased with the result.He (40) Birbal from the bottom of his heart.
31. 1)came 2)got 3)reached 4)visited 5)asked
32. 1)call 2)referring 3)addressed 4)knows 5)written
33. 1)is 2)given 3)told 4)refers 5)said
34. 1)give 2)set 3)put 4)steal 5)broken
35. 1)hurl 2)give 3)stick 4)keep 5)say
36. 1)Telling 2)finish 3)hit 4)push 5)started
37. 1)drew 2)selected 3)get 4)saw 5)scared
38. 1)remember 2)help 3)watch 4)tease 5)hurl
39. 1)plight 2)delight 3)happiness 4)sadness 5)indifference
40. 1)yelled 2)cursed 3)called 4)smiled 5)thanked
Attached Files Available for Download
File Type: pdf SBI Clerk Previous Year Question Paper.pdf (239.1 KB, 54 views)
File Type: pdf SBI Clerk Previous Year Question Paper-1.pdf (355.4 KB, 23 views)
File Type: pdf SBI Clerk Previous Year Question Paper-2.pdf (242.6 KB, 32 views)

Last edited by Gunjan; July 4th, 2019 at 01:27 PM.
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Old January 3rd, 2014, 03:16 PM
Super Moderator
Join Date: Jun 2013
Default Re: SBI Clerk Exam Solved Paper

Here I am giving you question paper for the bank clerk examination organized by State bank of India in PDF file attached with it so you can get it free of cost ..

Some questions given below ;

1. Who amongst the following was the candidate
of the Democratic party in latest election held
for the President of the USA ?
(A) Hillary Clinton
(B) Michelle Robinson
C) John McCain
(D) Barack Hussain Obama
(E) None of these

2. Who amongst the following cricketers
recently joined the Club of 300 Wicket takers
in test crickets ?
(A) Harbhajan Singh (B) Anil Kumble
(C) Ishant Sharma (D) Rahul Dravid
(E) None of these

3. Which of the following reflects the
importance of 8th November 2008 in the
history of India ?
(A) Chandrayaan – 1 was launched this day

(B) Chandrayaan – 1 was put into the orbits
of the moon on this day.
C) This was the day on which ISRO
completed 50 years of its existence
(D) This was the day on which Chandrayaan
– 1 entered the lunar orbit
(E) None of these

4. Who amongst the following is the author of
the novel ‘The White Tiger’ ?
(A) Jhumpa Lahiri (B) Steve Waugh
(C) Aravind Adiga (D) Paul Krugman
(E) None of these

5. The Assembly Elections took place in which
of the following States in November-
December 2008 ?
(A) Uttar Pradesh (B) West Bengal
(C) Rajasthan (D) Gujarat
(E) All the above

For more question I am attaching a PDF file with it ..
Attached Files Available for Download
File Type: pdf SBI Clerk Exam Solved question paper 1.pdf (1.94 MB, 43 views)
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