Tuesday, 23 February 2016

Killer tips to crack ibps bank po exam in India

How to get Bank Job

Bank jobs are currently among the most in-demand jobs in India. More than 20 lakh aspirants generally appear for exams conducted by IBPS, Reserve Bank of India (RBI), State Bank of India (SBI), and private banks(taken together). These banking exams can give you jobs in RBI, SBI (and associated banks), 21 nationalised banks, 20+ private Indian banks, select foreign banks and a large number of small to medium co-operative banks along with gramin banks at the clerical, PO (Probationary Officer) and SO (Specialist Officer) levels. Vacancies in banks are set to reach 7.5 lakh in the next 5 years, since banking jobs are appearing lucrative in times of an economic slowdown.

Check : IBPS Previous Asked Questions

Questions Pattern for Bank PO Exam

  • The questions have a problem followed by multiple-choices (as answers). You need to read and solve the problem and mark the most appropriate choice.
  • The steps involved in solving the questions do not give you marks. You get marks only if you mark the correct option. Also, if you mark more than one option, you do not get marks.
  • You get penalized if you mark the wrong answer. Unlike school or college where you get “zero” marks for a wrong answer, you get negative marks for wrong answers in these exams. So, if you are not careful, you can end up with a score less than zero as well.
  • Each section in the test may have a separate cut-off. Unlike school or college education patterns where you can clear the exam by focusing only on your strengths, here you need to get some minimum marks in each section to qualify for the next stage of the bank recruitment process.
  • There is no fixed syllabus for such exams. While the broad areas from which questions can be asked are known, no question is generally considered “out-of-syllabus”. You have to keep this in mind and prepare for aptitude tests. However, you can identify the most common areas by solving previous year question papers(or sample papers) and taking sufficient mock tests.

Important Subjects for Bank PO Exam

  • Quantitative Aptitude and Data Interpretation – school level maths, basic charts and tables
  • Logical Reasoning – puzzles, analytical and critical reasoning
  • English Language – school level grammar, English comprehension
  • General Awareness – GK and current affairs
  • Computer Awareness – computers, applications, internet
In this detailed article, we guide you through Bank exams preparation: section format, question types, tips & tricks and strategies.

Quantitative Aptitude and Data Interpretation for Bank PO Exam

This section in bank exams tests your calculation skills and knowledge of school level mathematics. The challenge is that while aspirants have learnt the concepts, they have forgotten the associated formulae, concepts, properties, etc. and not had exposure to such questions since many years.
The various question types asked in this section are:
Question TypeNumber of QuestionsWeightage in Section
BODMAS/Calculation Techniques/Approximations10 to 1525-30%
Data Interpretation15 to 2040-50%
Odd Man Out/Complete the Series510%
Mathematics5 to 1020-25%
Data Sufficiency/Quantitative Comparison510%

Logical Reasoning for Bank PO Exam

The reasoning section tests your analytical and logical reasoning skills i.e. your ability to interpret data and information given in the form of puzzles, brain teasers or clues and sort it to arrive at a meaningful outcome. It does not generally test conceptual or theoretical knowledge (apart from one or two areas) but requires a lot of practice of different question types.

The various question types asked in this section are:
Question TypeNumber of QuestionsWeightage in Section
Arrangements12 to 1525-30%
Sequential Output Tracing4 to 610-15%
Odd Man Out/Complete the Series510%
Syllogisms6 to 815-20%
Data Sufficiency4 to 610-15%
Critical Reasoning6 to 815-20%
Visual Reasoning5 to 1010-25%

English Language for Bank PO Exam

The section (also known as Verbal Ability) tests your English language skills but is not just a test of vocabulary or English grammar. It is more a test of language comprehension and your ability to interpret information given in English. So, while you need to have good grammar and vocabulary basics, it is vital that you have a good reading habit. Read from as many diverse sources as possible and understand what you read. This is more useful than trying to mug up random words and their meanings.

The various question types asked in this section are: 
Question TypeNumber of QuestionsWeightage in Section
Reading Comprehension10 to 1525-30%
Jumbled Sentences510-12%
Fill in the Blanks510-12%
Close Passages1025%
Errors in Usage5 to 1010-25%
Sentence Correction5 to 1010-25%
Paragraph Completion510-12%

A single paper may not have all of these; but, between them, these question types form a comprehensive list of questions appearing in this section. Consider each question type separately: 

General Knowledge and Current Affairs (GK) for Bank PO Exam

  • The general knowledge and current affairs section tests your general awareness more than your knowledge of trivia and random information. Thus, while it is beneficial to go through GK magazines and books, reading newspapers daily and current affairs magazines on a weekly basis (at least) is a must. Keep a look out for important events at the national and international level. 
  • The various areas from which GK questions may be asked are: 
1) Banking Products and Terminology
  • This is the most important area of this section and is definitely tested in each paper. 
  • You can expect questions on commonly used products and terms like savings and current accounts, term deposits, non-performing assets etc. These questions can be either be: 
-Definition Based – Here, the term is given and you need to mark the right definition from the options.
-Application Based – The use or benefit or application of the relevant banking product is given and you need to identify the appropriate product from the options.
  • You can refer to online glossaries on banking products to increase your expertise in this area. Also, read up basic details, benefits and limitations of major banking products and meanings of terms(e.g. Repo Rate, Current Account Deficit, etc.) used in the banking industry. 
  • Specifically, you should also keep a track of the various products being launched by specific banks e.g. agricultural loans, special personal loans etc. Occasionally, questions are also asked on these. You may need to refer to the website of individual banks for information on these. 
2) Economic and Corporate Updates 
  • These test your general awareness but in the larger context of the economy in conjunction with finance and politics. 
  • You may expect questions on: 
-Reserve Bank of India – economic policy announcements, their impact on ratios like repo rate, CRR, SLR, liquidity (along with definitions of these terms)
-Financial Performances – financial performance of major corporates, especially public banks
-Mergers & Acquisitions, Takeovers, Buyouts, Joint Ventures
-Government Policy Announcements
  • It is obvious that all these require up-to-date information which can be obtained only by reading the newspaper thoroughly on an everyday basis. When you read the newspaper, make it a point to go through all the sections and get information on each. If required, make notes. Substantiate this information by following it up on the internet as well or through current affairs magazines.
3) Government Schemes and Constitutional Bodies
  • Questions from this generally pertain either to schemes launched in the past 2-3 years, schemes currently in the news and schemes that have just been announced. 
  • Typical questions may be on acronyms, relevant ministry or government department related to the scheme, objectives of the scheme, powers and responsibilities of the implementing body, achievements and limitations of the scheme and so on. 
  • Apart from government schemes, you may be asked questions on bodies like the Comptroller and Auditor General of India(CAG), Election Commission of India(EC), National Human Rights Commission(NHRC) etc. These questions may be on objectives, formation, acronyms, powers and responsibilities of the body as well as its members etc. 
  • Finally, you may have questions on public representatives/bodies like Gram Panchayats, Members of Parliament (MPs), Cabinet Ministers, the President of India and so on. 
  • For all these categories, basic civics knowledge and regular news updates are important.
4) Marketing Terms 
  • Like banking terms, you may also have questions on marketing terms such as telemarketing, cross-selling etc. 
  • As explained earlier, these can either be definition-based or application-based. 
  • While most of these questions can be answered using common sense, going through a glossary of marketing and sales based terms is always beneficial. 
5) Current Affairs
  • This is a major part of this section but is difficult to prepare because of the diversity of topics from which questions can be asked. 
  • Reading the newspapers and following the news daily is a must for these questions. 
  • Some of the common areas covered in current affairs questions are: 
-Sports – Records, Winners, Venues, Upcoming Championships, etc.
-Awards – Sports, Literature, Social Work, Nobel Prize winners, Indian awards, etc.
-Entertainment – Major films, plays, documentaries, etc.
-Corporate – New products, tag lines, brand ambassadors, mergers & acquisitions, etc.
-Politics – Government announcements, Ministers, Chief Ministers, Governors, Heads of Constitutional bodies, etc.
  • You generally need to be aware of events that have happened in the 6-8 months preceding the exam date. 
6) Trivia
  • This is the pure general knowledge part of the section. It comprises static GK i.e. GK that remains constant for long periods of time. 
  • Theoretically, it is impossible to be completely prepared for this as you are not expected to know things from all areas across different periods of time. 
  • However, it has been seen that people who have a good reading habit and are updated on current affairs generally manage to handle these questions well. 
  • Apart from the areas covered in current affairs, some other areas covered in trivia are: 
- Geography – countries, capitals, cities, rivers, mountain ranges, etc.
- History – important dates, personalities, etc.
- Science – basic definitions in science, climate change, environment, etc.
- Hobbies and Professions
- Acronyms and Abbreviations
- Important Personalities
- Literature and Entertainment
  • As explained above, a well-read person is automatically able to tackle this area to a large extent. 

Computer Awareness/Computer Knowledge for Bank PO Exam

The computer awareness section in bank exams is a relatively new entrant due to the increasing usage of computers and the internet in all kind of bank jobs. As bank aspirants you are expected to have a basic working knowledge of computers, their applications and how to use them. Consequently, while bank tests do not really check your technical expertise in this field, they definitely test your proficiency with common computer applications.

The various areas from which questions may be asked in this section are:
1) Basics of Computer Hardware
  • These questions are based on concepts learnt in school. You may have questions on input, output and storage devices. While you may be aware of most of these, you should update yourself on these again. 
  • You should also get updated information on newer devices like flash drives, pen drives, re-writable disks and more in terms of their applications, limitations etc. 
  • You may also get questions on different parts of conventional computers as well as laptops e.g. monitor, CPU, motherboard, USB ports etc. If you are updated on input, output and storage devices, you should be able to handle these questions. 
  • Go through the Windows Help and Support application to get more information on these. 
2) Software & Desktop Applications and Windows 
  • This directly tests your comfort with day-to-day computer applications. 
  • Typical questions may ask you how a file is saved, where does it get saved when deleted and so on. 
  • Some areas that are commonly tested are: 
-Desktop Icons – My Computer, My Documents, Recycle Bin, etc.
-Start Menu – Programs, Run, Search, Settings
-Common Computer Operations – Opening new files, creating new folders, renaming, saving and deleting files, creating copies of files, cut-copy-paste, etc.
-Setting Changes – Wallpapers, screensavers, desktop width, colour settings, etc.
  • While there is no sure fire way to prepare for these questions, you can prepare by increasing your comfort level with computers. The more you use them, the easier it becomes for you to answer these questions. You then don’t need to remember or mug up answers. 
  • Going through a glossary on Windows and computer applications may also help. 
 3) Microsoft Office Applications
  • Along with Windows, this is a popular area in bank exams. As bank aspirants, you are expected to be familiar with at least MS Word and MS Excel. Knowledge of other applications like MS Power Point, MS Outlook and MS Access (for databases) is also useful. Questions on these areas generally test applications and shortcuts in MS Office 2007 and other versions. 
  • The list of questions that can be created on MS Office is almost endless, but some common questions fall under the following categories: 
-File Creation – New files, creating copies of files
-File Editing and Management – Cut-copy-paste, renaming files, saving and deleting files, editing files either in part or full
-Data Management – Entering new data, editing and modifying existing data
-Data Operations – Sorting & filtering data, vlookup & hlookup, pivot tables, etc.
-Data Formatting – Styles, fonts, colours, borders, spacing, etc.
  • While you can formally learn all these, practice is the easiest way to master them. The more you practice MS Office, the easier it is to not only learn the basic operations but also the more useful shortcuts and tips. 
  • Even with limited practice of a few months, you should be able to answer most questions very comfortably. 
4) Keyboard Shortcuts
  • Once you become conversant with Windows applications and MS Office, learning shortcut keys becomes easier as they are used extensively in both. 
  • You can expect questions on commonly used keyboard shortcuts, mainly based on the “CTRL”, “SHIFT” and “ALT” keys on the keyboard. 
  • You can also expect questions on other commonly used keys like “Esc”, “Caps Lock”, “Num Lock”, “Backspace”, “Delete”, “Enter”, “Print Screen” and “F1-F12”.
  • Here, while using the keys gives you a good idea of what they are used for, you can directly get this information from online glossaries. 
5) Internet and Networking
  • With the advent of the internet, this has become very important in this section. Since most jobs require you to use various websites, internet applications and e-mail applications, you can expect a number of questions on these. 
  • Some commonly covered areas are:
-Browser – Definition, common browsers, browser layout features (view, search bar, tabs, etc.), browser applications (bookmarks, history) etc.
-E-mail – E-mail applications, creating, formatting and sending mails, mail management tools, folders and labels, e-mail etiquette, e-mail features (cc, bcc, read-receipt, etc.)
-Websites – website extensions (.in v/s .com v/s .org), website navigation, home pages, etc.
-Intranets – comparison with internet, applications
-Networking – types of networks
-Social Networking websites – Applications and features of Facebook, Twitter, LinkedIn, MySpace, hi5, etc.
-Application Based websites and applications –Use of Picasa, Instagram, etc.
-Security – Viruses, Trojans, Anti-virus Softwares
  • Again, reading technology magazines and using the internet regularly are helpful. 
6) Terminology and Latest News
  • Apart from terms used in the areas mentioned above, you can get questions on other computer terms like “reboot”, “fetch” etc. 
  • You can also get questions on events related to the computers and IT sector (wherever applicable). 
  • Going through a glossary of computer terms and keeping yourself updated through computer magazines is helpful. 

Prepare yourself for Bank PO Exam Easiest way

The exam consists of 4 sections which are spread over – Reasoning Ability, Quantitative Aptitude, English Language and General Awareness. The duration of the exam is of 2 hours and total 200 questions are going to be asked in the exam.

Now, let’s discuss how to prepare for the exam-
(i) Practice makes a man perfect. So make it a habit to daily practice questions.
(ii) Practice concepts of each and every section.
(iii) You can take 2 sections for practice in a day like reasoning and English a day, while quantitative aptitude and general awareness the next day followed by a mock test which you can take on daily basis.
(iv) Now only few weeks are left for the exams so start with practicing more and more mock tests which are available on our website Meritmock.com. Then analyze your performance.

It is the best way to check your performance and analyze your score in each section. Try to focus on clearing sectional cut off and thereby achieve high score.
To get high score in Reasoning and Quants section daily practice is required with a clear understanding of the concepts. In this regard daily practice of mock test will increase your speed in paper solving, along with smooth and easy movement across sections.

(i) Proper utilization of the time is the sure shot success mantra. Time management accompanied with Question selection is two tools of success in ANDHRA Bank PO exam. You are not bound to solve all questions.
(ii) Start with a section like GK and ENGLISH for finishing your paper with a great speed and to avoid confusion.
(iii) Find out questions which are less time consuming in each section.  Make sure that you do not get stuck on any question and spending too much time on a single question.
Fix the TIME while attending paper. Make proper Schedule for your Study and follow it with passion even in exams.

(i) Speed and accuracy are the most important factors in this exam. To do well in Quantitative aptitude and Reasoning section focus on speed and accuracy.
(ii) For increasing speed, solve easier questions first and mark the tough ones for the left time.
(iii) Spending too much time on a single question will tend to reduce your speed, so if you are not able to solve it within 1 minute then move on.
Doubt clearance
If you are facing any problem while solving the questions or your concept regarding any topic is not clear then just clear it with your teachers and friends.
You can also attend Doubt Clearing Sessions on Meritmock.com.
Section Wise Preparation
Since there is a minimum cutoff for each section which means that along with the overall cutoff  you have to clear cutoff of each and every section in order to clear it and thus qualify the written test.
Here we are presenting the smart strategies for section based preparation, starting with the less time consuming section i.e. general awareness

This section also has 50 questions including questions from current affairs and banking and economy. For the current affairs try to cover the last 3-4 months news.(i.e. appointments, RBI in news, awards and honours, sports ,new schemes, national and international news ,latest developments in science and technology).This section requires the least time and can end up scoring 30-35 marks with accuracy.
You can also refer to any current affairs magazine apart from our daily GK update section.
For banking and economy there are many books like banking awareness by Arihant publications, banking book by N.S Toor.

This section has 50 questions. The paper generally include questions on reading comprehension cloze test, sentence improvement, spotting the errors and sentence rearrangement.
To attempt reading comprehension requires a lot of reading aptitude which you can easily get by reading newspaper on daily basis. In the reading comprehension section there is also questions on synonyms and antonyms requiring good vocabulary which you can develop by our daily wordlist from newspaper.
For reference you can go through books on English by S P BAKSHI (Arihant publications) and wren and martin.
Since this is a bit confusing section, a careful approach is required at this while attempting 25-27 question in 15-20 minutes.
Scoring topics in this section:
Cloze test, spotting the error, sentence improvement and sentence rearrangement.

This section consist of 50 questions from various topics like puzzles (seating arrangement, linear seating arrangement, floor based), syllogism, data sufficiency, statement based questions, Inequality, Miscellaneous Questions, Input Output etc.
If the concepts in this section are clear then one can end up scoring nearly 30-35 marks with accuracy.
You can practice this section from our various section tests on reasoning. Apart from that books like verbal and non-verbal reasoning by R S Aggarwal, M K Pandey (BSC publications).
Scoring topics in Reasoning Sections are –
Syllogism, Inequality, Miscellaneous Questions, Input Output, Data Sufficiency.
You can also practice by last year question papers.

It has 50 questions from diverse topics like Data Interpretation, Quadratic Equations, Number Series, Data Sufficiency and Some Miscellaneous questions. The miscellaneous questions have questions from profit and loss, age, average, simple and compound interest, boat and stream, time and work, area.
This section requires a lot of practice. And while performing this section one has to be very attentive and present minded. A good practice at this section can make one attempt 22-27 questions in about 40 minutes.
For practice refer to Quantitative aptitude by R S Aggarwal, fast track by Rajesh Verma (for basic understanding). Along with this refer to our section tests on QA as well as previous year question paper.
Scoring topics in this section are: 
Data Interpretation, Quadratic Equations, Number Series, Data Sufficiency and Some Miscellaneous questions.
Here I am sharing with you the no of questions you can perform in the given time.

Note: During Online Exam always focus on –
(i) Read questions well
(ii) be accurate
(iii) maintain speed
(iv) Revise if time permits.
All the best for your Exams!

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