General Knowledge -

1. “Thangla Pass’ is situated in which district ?

(A) Charnoli
(B) Pithcragarh
(C) Uttarkashi
(D) Almora

Answer.C

2. Rajjat is celebrated in a gap of how many years ?

(A) 06 years (B) 10 years
(C) 12 years (D) 05 years.

Answer.C

3. Where is ’Khat1ing glacier’ situated ?

(A) Pithoragarh district
(B) Tehri district
(C) Chamoli district
(D) Uttarkashi district

Answer.B

4. How many district share boundary with Nainital ?

(A) 05 (B) 04
(C) 06 (D) 03

Answer.B

5. Who was the youngest soldier who got ’Victoria Cross’ award
in Uttarakhand ?

(A) Gabar Singh Negi
(B) Darmiyan Singh Negi
(C) Chandra Singh Garhwali
(D) Madho Singh Bhandari

Answer.A

6. How many deemed, State, Central universities were working till 2009_ in Uttarakhand ?

(A) 08 (B) 10
(C) 09 (D) 15

Answer.D

7. In which district of Uttarakhand Lakha Mandal is situated ?

(A) Dehradun
(B) Rudraprayag
(C) Nainital
(D) Uttarkashi

Answer.A

8. Which of the following is not a Tribe 0f Uttarakhand ?

(A) Bhotia (B) Tharu
(C) Boksa (D) Naga

Answer.D

9. Where is the ’Central Building Research Institute’ situated ?

(A) Haridwar (B) Dehradun
(C) Tehri (D) Roorkee

Answer.D

10. Who were Kaluwa and Bija Singh ?

(A) Freedom fighters
(B) Traders
(C) Painters
(D) Players

Answer.A

11. Which river in Uttarakhand is named as ’Rathwahini’ ?

(A) Nayar
(B) Finder
(C) Ramgariga
(D) Sarayu

Answer.C

12. When did the famous ‘Gaud1ar’ fair begin ?

(A) 1930 (B) 1951
(C) 1961 (D) 1943

Answer.D

13. Why did the place ’Malpa’ came into light ?

(A) Tourist place
(B) Land slide
(C) Trade V
(D) Sports

Answer.B

14. When and by whom was Uttaranchal Development Council formed ?

(A) May 30-31, 1982 by Dr. D. D. Pant
(B) August 15, 1958 by Govind Ballabh Pant
(C) May 30-31, 1988 by Soban Singh ]ina
(D) November 9, 2000 by Nityarnand Swami

Answer.C

15. To which—Wadia Institute of Dehradun is related ?

(A) Music
(B) Geology
(C) Archaeology
{D) Engineering ‘

Answer.B

16. Which of the following is not properly matched ?

(A) Chandi Prasad Bhatt-— Environment
(B) Bachhendri Pal-— Mountaineering
(C) jaspal Rana — Literature
(D) B. C. Khanduri —P0litics

Answer.C

17. Who among the following is called the ’Gandhi’ of Uttarakhand 7

(A) Sunder La1Bahuguna
(B) Indramani Badoni
(C) Chandi Prasad Bhatt
(D) Hemwati Nandan Bahuguna

Answer.B

18. Who established the ’Santikunj’ in Haridwar ?

(A) Swami Ramteertha
(B) Swami Sahajanand
(C) Pt. Sri Ram Sharma
(D) Vivekanand

Answer.C

19. Who was the founder of Katorie’s dynasty ?

(A) Basant Dev
(B) Nimber Dev
(C) Lakhan Pal Dev
(D) Subhik Raj Dev

Answer.A
20. Who made Garhwal Painting ?

(A) Mukundilal
(B) Gumani Pant
(C) Maula Ram
(D) V ishvambhar Datt Chandola

Answer.C

21. When did H.N.B. Garwal University get the status of Central University ?

(A) January 15, 2009
(B) August 15, 2009
(C) March 15, 2009
(D) january 26, 2009

Answer.A

22. Where did Mahatma Gandhi wrote ’Anashakti Yoga Tika’ ?

(A) Kausani
(B) Almara
(C) Haridwar
(D) Pauri

Answer.A

23. Who is known as hero of Peshawar incident ?

(A) Keshar Singh Rawat
(B) Veer Chandra Singh Garhwali
(C) Harak Singh Rawat
(D) Narayan Singh Gousai

Answer.B

24. When did Martyr ’Shri Dev Suman’ die ?

(A) Iuly 24, 1943
(B) ]u1y 22, 1944
(C) ]uly 24, 1944
(D) ]u1y 25, 1944

Answer.D

25. Who led the Chipko Movement ?

(A) Gaura Devi
(B) SaralaBel1an
(C) Radha Bhatt
(D) Teelu Rauteli

Answer.A

26. The founder of ’Gadar Party’ was-

(A) Vasudev Phadke
(B) Vinay Darnodar Savarkar
(C) Bhagat Singh
(D) Lala Hardayal

Answer.D

27. In which year ’SALT” incident took place ?

(A) September 5, 1942
(B) September 6, 1942
(C) September 10, 1942
(D) September 8, 1942

Answer.A

28. From which year ’A1mora Akhbar’ published ?

(A) 1871 (B) 1771
(C) 1971 (D) 1870

Answer.A

29. Which one of the following pairs (Pr0duct—C0untry) is not correctly matched ?

(A) Tea — Sri Lanka
(B) Olive – Tunisia
(C) Banana — Costa Rica
(D) Coffee — Cuba

Answer.D

30. Which of the following is cold• ocean current ?

(A) Gulf-Stream
(B) Labrador
(C) Kuroshio
(D) None of the above

Answer.B

31. Which of the following countries in South America is largest in Area ?

(A) Argentina (B) Bolivia
(C) Brazil (D) Chile

Answer.C

32. Which of the following ports is not of Western coast in India ?

(A) New Mangalore
(B) Kandla
(C) Mumbai
(D) Haldia

Answer.D

33. Where Mount Cotopaxi (highest active volcano in world) is located ?

(A) Ecuador (B) Peru
(C) Tanzania (D) ]apan

Answer.A

34. EI Nino is related to-

(A) Climate (B) Forest
(C) Film (D) Plant

Answer.A

35. Which of the following State has the longest coast line ?

(A) Maharashtra
(B) Tamil Nadu
(C) Andhra Pradesh
(D) Gujarat

Answer.D

36. The formation of ’Yardang’ is caused by-

(A) Erosion by wind
(B) Deposition by wind
(C) Transportation by wind
(D) None of the above

Answer.A

37. The oldest mountain in India is-

(A) Satpura (B) Nilgiri
(C) Himalaya (D) Aravali

Answer.D

38. In which country the [COIN Belt’ is located ?

(A) Brazil (B) U.S.A.
(C) Australia (D) Russia

Answer.B

39. During the month of January at which one of the following places you will find the sunlight for the maximum duration ?

(A) Bhopal
(B) Shimla
(C) Chennai
(D) Kanya Kumari

Answer.D

40. Where is Kalahari desert ?

(A) South~West Africa
(B) West Africa
(C) West Asia
(D) Western Australia

Answer.A

41. Where Mediterranian Sea is located ?

(A) Between Africa and Europe
(B) Between North America and South America
(C) Between Asia and Japan
(D) Between U.K. and France

Answer.A

42. Grand Bank is located in-

(A) Indian Ocean
(B) Atlantic Ocean
(C) Pacific Ocean
(D) Arctic Sea

Answer.D

43. Nepanagar is related to which Industry ?

(A) Fertilizers
(B) Cotton Textile
(C) Jute
(D) Newsprint Paper

Answer.B

44. In which State Dabhol project is located ?

(A) Andhra Pradesh
(B) MadhyaPradesh
(C) Maharashtra
(D) Uttarakhand

Answer.C

45. ln which month Quit India Movement of 1942 started ?

(A) January (B) July
(C) August (D) September

Answer.C

46. Indian National Congress was established in-

(A) 1885
(B) 1906
(C) 1905
(D) None of the above

Answer.A

47. Who has the power to Constitute a new State in the Union of India 7

(A) President of India
(B) Parliament of India
(C) State Assembly
(D) None of the above
Answer.B

48. Lengthwise which one of the following is the largest ?

(A) Himalayas
(B) Alps
(C) Great Dividing Range
(D) Andes

Answer.D

49. In which Article, the Fundamental Duties are incorporated in our Constitution ?

(A) Article 51 A
(B) Article 52
(C) Article 49
(D) None of the above

Answer.A

50. After independence of India the first general elections were held

(A) 1950 (B) 1951-52
(C) 1949 (D) 1948

Answer.B

Bank Exams-Marketing

1.Regulations that arise to ensure that firms take responsibility for the social costs of their products or production processes stem from which reason for government legislation of business?
(a) To protect companies from each other
(b) To protect consumers from unfair business practices
(c) To protect the interests of society
(d) To protect businesses from unfair consumer demands

Answer : C

2.A “three-day cooling off period” in which buyers can cancel a contract after re-thinking it is to protect the consumer fromAnswer :
(a) creative selling (b) high pressure selling (c) detail selling (d) hard core selling

Answer : B

3.One of the most promising developments in multivariable segmentation is called _____ where a host of demographic and socioeconomic factors are used
(a) terragraphic segmentation (b) fermagraphic segmentation
(c) geothermy segmentation (d) geodemographic segmentation

Answer : D

4.One of the most common problems with using internal database information is thatAnswer :
(a) since it was probably collected for some other purpose, it may be incomplete or wrong.
(b) it is usually expensive to retrieve.
(c) top executives are usually unwilling to relinquish data, therefore, the data has limits.
(d) the data is almost always unsecured and therefore, suspect as to reliability

Answer : A

5.The last stage in the selling process is the _____ stage.
(a) approach (b) handling objections (c) closing (d) follow-up

Answer : D

6.When Coca-Cola and Nestle formed a joint venture to market a ready-to-drink coffee and tea worldwide, the type of marketing system that was formed would best be described as being a(n)Answer :
(a) vertical marketing system (b) parallel marketing system
(c) diversified marketing system (d) horizontal marketing system

Answer : D

7.The major advantage of survey research is itsAnswer :
(a) simplicity (b) structure (c) organization (d) flexibility

Answer : D

8.The _____ holds that consumers will favor products that are available and highly affordable (therefore, work on improving production and distribution efficiency)
(a) product concept (b) production concept
(c) production cost expansion concept (d) marketing concept

Answer : B

9.A ____ is any activity or benefit offered for sale that is essentially intangible and does not result in the ownership of anything
(a) demand (b) basic staple (c) product (d) service

Answer : D

10._____ is a person’s distinguishing psychological characteristics that lead to relatively consistent and lasting responses to his or her own environment
(a) Psychographics (b) Personality (c) Demographics (d) Lifestyle

Answer : B

11.The place in the business buying behavior model where interpersonal and individual influence might interact is called the
(a) environment (b) response (c) stimuli (d) buying center

Answer : D

12.The course of a product’s sales and profits over its lifetime is called
(a) the sales chart (b) the dynamic growth curve
(c) the adoption cycle (d) the product life cycle

Answer : D

13.When companies make marketing decisions by considering consumer’s wants and the long-run interests of the company, consumer, and the general population, they are practicing which of the following principles?
(a) Innovative marketing (b) Consumer-oriented marketing
(c) Value marketing (d) Societal marketing

Answer : D

14.All of the following are thought to be sources if new product ideas EXCEPT.
(a) internal sources (b) customers (c) competitors (d) the local library

Answer : D

15.If Honda uses its company name to cover such different products as its automobiles, lawn mowers, and motorcycles, it is practicing which of the following strategies?
(a) new brand strategy (b) line extension strategy
(c) multibrand strategy (d) brand extension strategy

Answer : D

16.If a company (considering its options on the product/market expansion grid) chooses to move into different unrelated fields (from what it has ever done before) with new products as a means to stimulate growth, the company would be following which of the following general strategies?
(a) market penetration (b) market development
(c) product development (d) diversification

Answer : D

17.When a marketing research organization chooses a segment of the population that represents the population as a whole, they have chosen a _____
(a) group (b) bi-variant population (c) sample (d) market target

Answer : C

18.Joining with foreign companies to produce or market products and services is called
(a) direct exporting (b) indirect exporting (c) licensing (d) joint venturing

Answer : D

19.If advertising constantly sends out messages about materialism, sex, power, and status, which of the following categories of social criticism most closely matches this problem?
(a) Too much advertising (b) Too few social goods
(c) Cultural pollution (d) Too much political power

Answer : C

20.A(n) ____ is a name, term, sign, symbol, or design, or a combination of these that identifies the marker or seller of a product or service.
(a) product feature (b) sponsorship (c) brand (d) logo

Answer : C

21.If an advertiser wants flexibility, timeliness, good local market coverage, broad acceptability and high believability, the advertiser will probably choose which of the following mass media types?
(a) Newspapers (b) Television (c) Direct Mail (d) Radio

Answer : A

22.When producers, wholesalers, and retailers as a unified system, they comprise a
(a) conventional marketing system (b) power-based marketing system (c) horizontal marketing system (d) vertical marketing system

Answer : D

23.The type of trade-promotion discount in which manufacturers agree to reduce the price to the retailer in exchange for the retailer’s agreement to feature the manufacture’s products in some way is called
(a) discount (b) allowance (c) premium (d) rebate

Answer : B

24.The study of human populations in terms of size, density, location, age, gender, race, occupation, and other statistics is calledAnswer :
(a) Geothermy (b) Demography (c) Ethnography (d) Hemos-popography

Answer : B

25.Today, advertising captures about ___ percent of total promotion spending
(a) 15 (b) 23 (c) 29 (d) 33

Answer : B

26.The process that turns marketing strategies and plans into marketing actions in order to accomplish strategic marketing objectives is calledAnswer :
(a) Marketing strategy (b) Marketing control
(c) Marketing analysis (d) Marketing implementation

Answer : D

27.The goal of the marketing logistics system should be to provideAnswer :
(a) a targeted level of promotional support.
(b) a targeted level of customer service at the least cost.
(c) a targeted level of transportation expense ratio.
(d) a targeted level of field support.

Answer : B

28.The practice of going after a large share of a smaller market or subsets of a few markets is calledAnswer :
(a) undifferentiated marketing (b) differentiated marketing
(c) concentrated marketing (d) turbo marketing

Answer : C

29.The shrinking of distances due to technological advance such as computer and fax connections by telephone, are one characteristic of what new challenge to marketing?
(a) Rapid globalization
(b) The changing world economy
(c) The call for more socially responsible marketing
(d) The micro-chip revolution

Answer : A

30.If Mark Mars pays Hershey Foods Corporation for the right to use their name on his line of T-shirts, then Mr. Mars is using which type of branding?
(a) Licensed brand (b) Manufacturer’s brand
(c) Private brand (d) Co-brand

Answer : A

31.If your company were to make light bulbs to be used in photocopies, you would most likely be selling to a ______ market.
(a) reseller (b) business (c) government (d) service

Answer : B

32._____ has the advantage of being high in selectivity; low cost, immediacy, and interactive capabilities
(a) Direct Mail (b) Outdoor (c) Online (d) Radio

Answer : C

33.If your company were to make a product such as a suit of clothes and sold that product to a retailer, your company would have sold to the _______market.
(a) reseller (b) business (c) government (d) service

Answer : A

34.In 1985, the Coca-Cola Company made a classic marketing blunder with its deletion of its popular Coca-Cola product and introduction of what it called New Coke. Analysts now believe that most of the company’s problems resulted from poor marketing research. As the public demanded their “old Coke” back, the company relented and reintroduced Coca-Cola Classic (which has regained and surpassed  its former position) while New Coke owns only 0.1 percent of the market. Which of the following marketing research mistakes did coca-Cola make?
(a) They did not investigate pricing correctly and priced the product too high.
(b) They defined not investigate dealer reaction and had inadequate distribution.
(c) They defined their marketing research problem too narrowly
(d) They failed to account for the Pepsi challenge taste test in their marketing efforts

Answer : C

35.Marketers are sometimes accused of deceptive practices that lead consumers to believe they will get get more value than they actually do. ____ includes practices such as falsely advertising “factory” or “wholesale” prices or a large price reduction from a phony high retail price.
(a) Deceptive promotion (b) Deceptive packaging
(c) Deceptive pricing (d) Deceptive cost structure

Answer : C

36.The advantages of audience selectivity, no ad competition and personalization apply to which type of media?
(a) Newspapers (b) Television (c) Direct Mail (d) Radio

Answer : C

37.The first modern environmental movement in the United States began in theAnswer :
(a) 1940s (b) 1950s (c) 1960s and 1970s (d) mid 1980s

Answer : C

38.Costs that do not vary with production or sales levels are calledAnswer :
(a) fixed costs (b) variable costs
(c) standard costs (d) independent costs

Answer : A

39.Each salesperson is assigned to an exclusive area in which to sell the company’s full line of products or services in which type of sales force structure?
(a) Territorial sales force (b) Product sales force
(c) Customer sales force (d) Hybrid sales force

Answer : A

40.Techonological advances, shifts in consumer tastes, and increased competition, all of which reduce demand for a product are typical of which stage in the PLC?
(a) decline stage (b) introduction stage
(c) growth stage (d) maturity stage

Answer : A

41.Setting the promotion budget so as to match the budgets of the competition is characteristic of which of the following budget methods?
(a) Affordable method (b) Percentage-of-Sales method
(c) Competitive-and-parity method (d) Objective -and-task method

Answer : C

42.____ is screening new-product ideas in order to spot good ideas and drop poor ones as soon as possible.
(a) Idea generation (b) Concept development and testing
(c) Idea screening (d) Brainstorming

Answer : C

43.The type of sales force structure in which the sales force sells along product lines is called a
(a) territorial sales force (b) product sales force
(c) customer sales force (d) retail sales force

Answer : B

44.A company is in the _____ stage of the new product development process when the company develops the product concept into a physical product in order to assure that the product idea can be turned into a workable product.
(a) product development (b) commercialization
(c) marketing strategy (d) business analysis

Answer : A

45.When personal interviewing involves inviting six to ten people to gather for a few hours with a trained interviewer to talk about a product, service, or organization, the method is calledAnswer :
(a) selective sponsorship (b) probing
(c) focus group interviewing (d) the Delphi method

Answer : C

46.All of the following factors can affect the attractiveness of a market segment
EXCEPTAnswer :
(a) the presence of many strong and aggressive competitors
(b) the likelihood of government monitoring
(c) actual or potential substitute products
(d) the power of buyers in the segment

Answer : B

47.If a government uses barriers to foreign products such as biases against a foreign company’s bids, or product standards that go against a foreign company’s product features, the government is using
(a) protectionism (b) exchange controls
(c) exchange facilitators (d) non-tariff trade barriers

Answer : D

48.The choice between high markups and high volume is part of which of the following retailer marketing decisions?
(a) Target market decisions
(b) Product assortment and services decisions
(c) Pricing decisions
(d) Promotion decisions

Answer : C

49.One common misuse of marketing research findings in contemporary business is the tendency for marketing research to Answer :
(a) become a vehicle for pitching the sponsor’s products
(b) become a vehicle for discriminating in the marketplace
(c) become a means for raising prices
(d) become a means for unfair competition

Answer : A

50.The most logical budget setting method is found in the list below. Which is it?
(a) Affordable method (b) Percentage-of-Sales method
(c) Competitive-parity method (d) Objective-and-task method

Answer : D

Economic Terms

Floating Debt: Generally, any short-term debt, specifically, the part of the national debt that consists of short-term borrowing.Fringe benefits: Rewards for employment over and above the wager paid. e.g. goods at a discount, subsidized meals, arrangements, etc.

Fiscal Policy: that part of government policy which is concerned with raising revenue through taxation and deciding on the level and pattern of expenditure.

Fixed Costs: Costs which in the short run do not vary with outputs. These costs are borne even if no output is produced.

Asset: Anything of monetary value that is owned by a person. Assets include real property, personal property, and enforceable claims against others (including bank accounts, stocks, mutual funds, and so on)

Base year: In the construction of an index, the year from which the weights assigned to the different components of the index is drawn. It is conventional to set the value of an index in its base year equal to 100. Bear: An investor with a pessimistic market outlook; an investor who expects prices to fall and so sells now in order to buy later at a lower price. A Bear Market is one which is trending downwards or losing value.

Bid price: The highest price an investor is willing to pay for a stock.

Bill of exchange: A written, dated, and signed three-party instrument containing an unconditional order by a drawer that directs a drawee to pay a definite sum of money to a payee on demand or at a specified future date. Also known as a draft. It is the most commonly used financial instrument in international trade.

Bond: A certificate of debt (usually interest-bearing or discounted) that is issued by a government or corporation in order to raise money; the bond issuer is required to pay a fixed sum annually until maturity and then a fixed sum to repay the principal. Bonds guide.

Collateral security: Additional security a borrower supplies to obtain a loan.

Compound interest: Interest paid on the original principal and on interest accrued from time it became due.

Consumer Surplus is the difference between the price a consumer pays and what they were prepared to pay.

Direct tax: A tax that you pay directly, as opposed to indirect taxes, such as tariffs and business taxes. The income tax is a direct tax, as are property taxes. See also Indirect Tax.

Double taxation: Corporate earnings taxed at both the corporate level and again as a stockholder dividend

Exchange rate: The price of one currency stated in terms of another currency, when exchanged.

Inflation is the percentage increase in the prices of goods and services.

Repo rate: This is one of the credit management tools used by the Reserve Bank to regulate liquidity in South Africa (customer spending). The bank borrows money from the Reserve Bank to cover its shortfall. The Reserve Bank only makes a certain amount of money available and this determines the repo rate. If the bank requires more money than what is available, this will increase the repo rate – and vice versa.

Revenue expenditure: This is expenditure on recurring items, including the running of services and financing capital spending that is paid for by borrowing. This is meant for normal running of governments’ maintenance expenditures, interest payments, subsidies and transfers etc. It is current expenditure which does not result in the creation of assets. Grants given to State governments or other parties are also treated as revenue expenditure even if some of the grants may be meant for creating assets.

Subsidy : Financial assistance (often from the government) to a specific group of producers or consumers.
Reverse Repo Rate
Reverse repo rate is the rate of interest at which the RBI borrows funds from other banks in the short term . This is done by RBI selling government bonds / securities to banks with the commitment to buy them back at a future date. The banks use the reverse repo facility to deposit their short-term excess funds with the RBI and earn interest on it. RBI can reduce liquidity in the banking system by increasing the rate at which it borrows from banks. Hiking the repo and reverse repo rate ends up reducing the liquidity and pushes up interest rates.
How Reverse Repo Rate Works?
When the RBI increases the Reverse Repo, it means that now the RBI will provide extra interest on the money which it borrows from the banks. An increase in reverse repo rate means that banks earn higher returns by lending to RBI. This indicates a hike in the deposit rates.
Repo rate, or repurchase rate, is the rate at which RBI lends to banks for short periods. This is done by RBI buying government bonds from banks with an agreement to sell them back at a fixed rate. If the RBI wants to make it more expensive for banks to borrow money, it increases the repo rate. Similarly, if it wants to make it cheaper for banks to borrow money, it reduces the repo rate. RBI uses this tool to control the money supply.
How Repo Rate Works?
When RBI reduces the Repo Rate, the banks can borrow more at a lower cost. This contributes to lowering of the rates.
Cash Reserve Ratio
The Cash Reserve Ratio is the amount of funds that the banks are bound to keep with Reserve bank of India, with reference to the demand and time liabilities (NDTL) to ensure the liquidity and solvency of the Banks.  The CRR is maintained fortnightly average basis.