Best Ways to increase GK and Current Affairs

General Knowledge and Current affairs are two sections which can get you a good score if prepared well. While preparing for any Competitive Exams an effective preparation in these categories is essential. This will not only prepare you for the written exam, but you will also be ready for any kind of interview or debate/group discussion round. A lot of students ignore this section and only prepare for these sections at the end by referring to some book. However, it is best to prepare on a daily basis once you decide to attempt for any competitive examination. You must be prepared with at least 6 months of current affairs and GK.


GK is a valuable information related to Science, social interest, culture,civilization, community or nation gathered from a range of various media platforms. Few ways listed in this article to increase GK and current affairs.

Subscription to a Newspaper:

Newspapers are a wonderful source to upgrade your GK. Newspapers offer up-to-date information related to politics, sports, fashion, and various other interests too. Tips below:

  • Reading News Paper daily should be an activity for a set duration every morning, ideally that is the best time to get an update about the news. It helps in two ways, one is covering the current affairs as well as improving your vocabulary. Most aspirants look up to ‘The Hindu’, ‘The Times of India’ etc.

Reading GK books:

Reading constantly to update your GK Today, it helps in a great way and that is one of the best ways to update your GK.

  • Take a membership in a local library which is a source of various books, it is an ocean of knowledge. Most library memberships are quite affordable at low costs, so this can help you look up to increasing your GK. Take the guidance from the librarian to find the best books on GK in their library.
  • If you are someone who love to keep a collection of books and read, you can find weekly sale in the bookstores or online.

Join a book club or social group online/offline:

  • Try expanding your circle by socializing in such groups where you get to exchange information with similar as well as varied interests. Such groups help you in a great way. Discussing about books, current affairs, events, history or politics with others will enhance your GK, confidence and thought-process too.
  • Such clubs are found everywhere, search online to find and join one. Or even online forums too are good enough.

Practice From GK Quiz:

Make it a habit to practice from important current affairs and GK quiz and online GK practice papers in order to analyse your preparation level for GK and Current Affairs for various competitive exams. We can get monthwise and topicwise GK quiz related to various matters. It will certainly help you to score good marks.

Watch National news channels:

Television is one of the bright and widely used resources to increase your GK and current affairs.

  • Try to stay tuned to watching television channels such as CNN, educational channels like NGC which airs documentaries, films based on facts and instructional programming to enhance your overall knowledge.
  • Watching news channels is a passive exercise, set a time to watch such programmes.

Lastly, make use of the technology and also do some smart work if you are a person who likes to read online, you can subscribe to the Newspaper online at a reasonable cost. At a click of a button, you get to read about the happenings around you. Search for information online using search engines like Google, Yahoo and Bing. Sign up for news alerts as well.


IBPS Specialist Officer (SO) Preparation Tips

  1. Make a time table: Not a fool proof one. Time tables are not meant to follow them strictly and tightly specially for exams like SO. Following more than 80% of the schedule works well.
  2. Make strategy: Do not read/learn all the subjects in a single day. Make a proper strategy which suits your environment and follow it accordingly.
  3. Know your Strong section: Some students have leaning towards General Awareness other are good at Maths and Reasoning. Some are from convent and so are good in English. You can be strong in your professional course too. Just know your strength by solving previous year question paper or sample papers and polish your strength.
  4. Know your weaker section: Everyone has their own weakness and they have a unique way to counter it. Some know it, some are still struggling with their weakness. Remember, no strategy can help you in the path of  success if do not know your weakness. Your weakness can be found by the same way you find your strength. By practice! Here comes one more confusion. Weaker section vs Less-prepared section. There may be few sections(for example probability) which you think you are weak in it but in reality, you lack the logic and formula. This can be strengthened with dedicating more time in practice. On the other hand there can be few sections (like statistics: few people can’t understand the stats naturally and it is okay) with can not be strengthened even if practice for lifetime. The only way here is to leave later type of section and give more time of practice to previous type.
  5. Revise everything: It is human nature to forget. The information you store in your mind fades with time. So to keep it green, keep revising.

IBPS SO online test series

IBPS SO IT officer test series

IBPS SO Marketing officer test series

Section wise preparation tips for IBPS SO Exam:


Reasoning would consist of topics like Blood Relation, Round Table, Sitting Plan, Syllogism, Mirror Images. To prepare for this section, one must develop logical skills and sharpen one’s mental alertness. This can be done by practicing and solving past question papers and model question papers.


This test usually comprises word meanings, spotting common errors, comprehension, synonyms and antonyms, grammar tests, etc. This is supposed to be a scoring section and to prepare for this, one can begin by regularly reading English newspaper and magazines, watching English news daily, learning few new English words daily, accompanied with their antonyms and synonyms. Do strengthen your grammar by solving online grammar tests and reading basic grammar books.

Quantitative Aptitude

This test will have questions from topics like Data Interpretation, Profit and Loss, Time and Work, Simplification, Discount, Average, Probability with Sets theory, Number System, Series, etc. To prepare for this section, go back to the basics and clear your concepts. Ensure that you learn to manage time in an efficient manner such that you are able to attempt and answer all the questions. In the process, also try also to learn small tricks and short-cuts that will help you solve the sums easily. The bottom line to score well in this section is practice, practice and practice as many sums as possible from model question papers and past question papers. Try to take mock online test also if possible.


All the best for the exam.


IBPS Clerk VS IBPS PO : Comparison

How does it feel when you see meet an old friend of yours who has got into a government job with additional benefits and perks? That particular moment makes you think “I wish I could I have it”. Who doesn’t like a job which will offer you with additional benefits and privileges along with the basic pay? Everybody does crave for an option like this. What if you have two jobs in your hand and have to choose among them? Will you make a random choice? We would suggest you not to do so and go for a wise and sensible decision based on some important factors.

Well, when it comes to choose between options like IBPS PO or IBPS Clerk, it can be a tough decision indeed. We bring you a comparison between IBPS PO and IBPS Clerk. Let us see who takes a landslide victory.

The following discussion revolves around factors such as:

a. Job profile (Roles and Responsibilities)

b. Salary

c. Perks and benefits

d. Future growth

At times it becomes very difficult to take a decision when dynamic options like these two are in your hand and you need to choose one among them. Well, let us help you out in this regard and we are sure this article will make you enable to decide with ease.

#a: Job Profile (Roles and Responsibilities):

IBPS Clerk:

  1. Work as a front office person
  2. Having interaction directly with the public
  3. Entering details of the daily transactions


  1. Service providing to customers
  2. Enhancement of bank business
  3. Cash transactions handling
  4. Management of payment clearances and customer accounts
  5. Official communication

#b: Salary:

The salary of an IBPS Clerk would be of Rs 18, 100- 19, 800 approx. including allowances. Whereas the salary of an IBPS PO is 37,360 -38,700 per month approx.

But then in case of IBPS PO, a part of your salary will be invested in your transfers and other expenses as you will face regular transfers in case of bank jobs.

#c: Perks and benefits:

IBPS PO: Apart from the basic pay, you get other benefits like contribution pension scheme, medical aid for your own self and for your family, home travel concessions, leave fair concessions, Concession interests for housing, cars, loans etc.

IBPS Clerk: Apart from the basic pay, an IBPS Clerk enjoys the following allowances for his/ her welfare: Dearness Allowance, Special Allowance and HRA.

#d: Future Growth:

IBPS PO: In case of bank jobs, promotions occur every 2- 3 years and in the scale given below:

  • Bank PO
  • Assistant Manager
  • Branch Manager
  • AGM (Assistant General Manager)
  • GM (General Manager)

IBPS Clerk: As we all know that IBPS Clerk is the starting point of job in any Bank. This implies that you will get abundant opportunities to get promoted to an officer cadre.

  • As an IBPS Clerk you will be confirmed after 6 months of service.
  • After a span of few years, you will become eligible for a promotional exam. If you clear this exam you can become a Trainee Officer (TO).
  • After that he comes at the same level of PO, and all the future promotion prospects will be same to him as that of a PO.


We hope that this article helps you to consider all of the factors above and help you make a wise decision. Stay tuned for more updates. We wish you good luck!
IBPS PO Exam Preparation

IBPS Clerk Exam Preparation





Top 5 effective preparation tips to crack IBPS Clerk 2016

IBPS Clerk preparation tips
IBPS Clerk 2016

Success is doing ordinary things in an extraordinary manner”

IBPS Clerk 2016 is going to hit the examination centres and all the aspirants have heaps of hopes associated with it. Being one of the most competitive examinations with cut-throat competition, lakhs of aspirants dream of a career as an IBPS Clerk.

Every year the number of aspirants for bank jobs are increasing rapidly and this number has become greater than the number of vacancies. For instance: In the year 2013, 14 lakhs aspirants appeared for 1500 SBI PO posts.

But, where there is a will, there is a way! We offer you some of the incredible tips to excel in the IBPS Clerk 2016 examination. But before going to the tips, let us take a look at some of the details of IBPS Clerk 2016 examination:

Click Here for Free GK and Current Affairs Preparation for Bank/Govt. Exams

IBPS Clerk 2016: Note- worthy details:

  • Examination – IBPS Clerk 2016 (CWE Clerks -6)
  • Known as – IBPS Clerk Exam
  • Conducting Authority – Institute of Banking Personnel Selection, Mumbai
  • Exam mode – Online/ Computer based
  • Exam type – All India level
  • Exam level – Graduate
  • Posts offered – Clerical cadre

Let us take a look at the significant dates of IBPS Clerk 2016:



Important Dates


On-line registration including Edit/Modification of Application by candidates

22.08.2016 to 12.09.2016


Payment of Application Fees/Intimation Charges (Online)

22.08.2016 to 12.09.2016


Download of Pre-Training Call Letter

25.10.2016 to 07.11.2016


Conduct of Pre-Exam Training

07.11.2016 to 12.11.2016


Download of Call Letter for online Preliminary Exam

18.11.2016 onwards


Online Examination – Preliminary

26 & 27.11.2016 03.12.2016 & 04.12.2016 (if required)


Result of Online exam – Preliminary

December 2016


Download of Call Letter for Main Examination

December 2016


Online Examination – Main

31.12.2016 & 01.01.2017


Declaration of Result – Main

January 2017


Provisional Allotment 

April 2017

IBPS Clerk 2016: Preparation tips:

  • Concentrate on efficient time management
  • Attempt those questions which you are sure about and skip those questions which you are not sure about.
  • Practice sample mock tests for IBPS Clerk 2016. This habit will develop your proficiency level and enhance your accuracy.
  • Do not waste your time by sticking to one question
  • Do not mug up concepts at the last minute. This practice will confuse you and you will end up messing everything in the examination\

On a concluding note it can be said that, you have the potential in yourself but you can progress only when you realize it. Stay tuned for more updates. We wish you best of luck!


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Common Banking Terms – Banking Awareness

Many of you are unfamiliar with the common banking terms that are used. These terms are a must to know for regular bank transactions .Moreover, if you are an aspirant of bank exam, then these terms will help you in your bank exam preparation as well.


Here I brief about the 10 useful bank terms used regularly:

Q1. What is a Repo Rate?

Ans: Repo rate is the rate at which our banks borrow rupees from RBI. Whenever the banks have any shortage of funds they can borrow it from RBI. A reduction in the repo rate will help banks to get money at a cheaper rate. When the repo rate increases, borrowing from RBI becomes more expensive.

Q2. What is Reverse Repo Rate?

Ans: This is exact opposite of Repo rate. Reverse Repo rate is the rate at which Reserve Bank of India (RBI) borrows money from banks. RBI uses this tool when it feels there is too much money floating in the banking system. Banks are always happy to lend money to RBI since their money is in safe hands with a good interest. An increase in Reverse repo rate can cause the banks to transfer more funds to RBI due to this attractive interest rates.

Q3. What is CRR Rate?

Ans: Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with RBI. If RBI decides to increase the percent of this, the available amount with the banks comes down. RBI is using this method (increase of CRR rate), to drain out the excessive money from the banks.3

Q4. What is SLR Rate?

Ans: SLR (Statutory Liquidity Ratio) is the amount a commercial bank needs to maintain in the form of cash, or gold or govt. approved securities (Bonds) before providing credit to its customers.

SLR rate is determined and maintained by the RBI (Reserve Bank of India) in order to control the expansion of bank credit. SLR is determined as the percentage of total demand and percentage of time liabilities. Time Liabilities are the liabilities a commercial bank liable to pay to the customers on their anytime demand. SLR is used to control inflation and propel growth. Through SLR rate tuning the money supply in the system can be controlled efficiently.

Q5. What is Bank Rate?

Ans: Bank rate, also referred to as the discount rate, is the rate of interest which a central bank charges on the loans and advances that it extends to commercial banks and other financial intermediaries. Changes in the bank rate are often used by central banks to control the money supply.

Q6. What is Inflation?

Ans: Inflation is as an increase in the price of bunch of Goods and services that projects the Indian economy. An increase in inflation figures occurs when there is an increase in the average level of prices in Goods and services. Inflation happens when there are fewer Goods and more buyers; this will result in increase in the price of Goods, since there is more demand and less supply of the goods.

Q7. What is Deflation?

Ans: Deflation is the continuous decrease in prices of goods and services. Deflation occurs when the inflation rate becomes negative (below zero) and stays there for a longer period.

Q8. What is PLR?

Ans: The Prime Interest Rate is the interest rate charged by banks to their most creditworthy customers (usually the most prominent and stable business customers). The rate is almost always the same amongst major banks. Adjustments to the prime rate are made by banks at the same time; although, the prime rate does not adjust on any regular basis. The Prime Rate is usually adjusted at the same time and in correlation to the adjustments of the Fed Funds Rate. The rates reported below are based upon the prime rates on the first day of each respective month. Some banks use the name “Reference Rate” or “Base Lending Rate” to refer to their Prime Lending Rate.

Q9. What is Deposit Rate?

Ans: Interest Rates paid by a depository institution on the cash on deposit.

Policy Rates:

  • Bank Rate: 6.00%
  • Repo Rate: 5.25%
  • Reverse Repo Rate: 3.75%

Reserve Ratios:

  • CRR: 6.00%
  • SLR: 25.0%

Lending/Deposit Rates:

  • PLR: 11.00%-12.00%.
  • Deposit Rate: 6.00%-7.50%.

. Savings Bank rate: 3.5%.

Note: Rates as on 14-05-10.

Q10. What is FII?

Ans: FII (Foreign Institutional Investor) used to denote an investor, mostly in the form of an institution. An institution established outside India, which proposes to invest in Indian market, in other words buying Indian stocks. FII’s generally buy in large volumes which has an impact on the stock markets. Institutional Investors includes pension funds, mutual funds, Insurance Companies, Banks, etc.

SBI PO Annual Salary

Bank exam practice papers


SBI Clerk Mains Preparation Plan 2016

SBI  Clerk  Prelims has finished, but not your preparation. The  SBI Clerk Mains is on its way. You are left with nearly a month for the preparation of SBI Clerk Mains 2016.As per an estimate around 2,00,000 students are likely to clear the SBI Clerk Prelims Exam and will be appearing in the SBI Clerk Mains Exam.


Here, in this article we will discuss the strategy to crack SBI Clerk Mains Exam. You should follow this strategy if you want to clear the SBI Clerk Mains Exam.

How to Crack SBI Clerk Mains Exam :

Have faith in yourself. The SBI Clerk Mains Exam is tough to crack, but definitely worth it.

SBI Clerk Prelims Exam was only Qualifying in Nature. In simple words, it means, Only the score of your SBI Clerk Mains Exam will be considered for selection in the Final Merit List.

SBI Clerk Mains Pattern:

The Pattern of SBI Clerk Mains Exam is as follows:

Section  No. of Questions Marks Duration
General/ Financial Awareness 50 50 35 minutes
English 40 40 35 minutes
Quantitative Aptitude 50 50 45 minutes
Reasoning & Computer 50 60 45 minutes
190 200 160 minutes

SBI Clerk Mains Study Plan

You have crossed the first step. Lets check the second.

  • The SBI Clerk mains Syllabus for Reasoning , Quants and English is the same as you studied for SBI Clerk prelims Exam.
  • Financial Awareness and Computer knowledge are two new Sections in SBI Clerk mains. Your focus should be more on them now.

Week 1: SBI Clerk Mains Exam Study Plan

  • Dedicate this week towards Financial awareness and Computer Knowledge.

Week 2: SBI Clerk Mains Exam Study Plan

  • Come back to Reasoning, Quants and English.
  • Give atleast one SBI Clerk mains Mock Test each Day

Week 3: SBI Clerk Mains Exam Study Plan

  • Work on your Weak areas.
  • Make handy notes that you can revise in the last few days.
  • Give atleast one SBI Clerk Mains Mock Test each Day

Final Week : SBI Clerk Mains Exam Study Plan

  • Don’t study anything new now.
  • Revise handy notes that you made the previous week.
  • Give atleast one SBI Clerk Mains Mock Test each Day.
  • Analyse the test and try to improve your accuracy and speed.

All the best for the Mains Exam.


SBI Clerk Prelims Result and Expected Cut off

SBI Specialist Officer Recruitment 2016


SBI Clerk Exam 2016 – Cut Off Analysis

The State Bank of India hosts only one online examination for the clerical cadre every year. As the competition is high, most aspirants are worried about cut offs.  You have to secure the minimum score to get eligible for the cut off.We are giving here the information for Expected and Previous year SBI Clerk Exam Cut Off Scores.

sbi clerk 2016 cut off

What is a SBI Clerk cut off score?

A cut off score is the benchmark set by the examining authority to segregate potential candidates from other participating candidates. The objective of this cut off score is to filter the best candidates to the interview round. Usually, the cut off score for SBI Clerk Exam is in between 125 to 145.

Expected SBI Clerk Exam 2016 Cut Off 

Here is a rough estimate of the cut off score which SBI will place to filter the candidates to the next round.

Category Cut Off Score Full Marks
ST 98.75 200
SC 108.25 200
OBC 129 200
General 140.75 200

What is sectional cut-off?

Every competitive exam has a sectional cut off as well as an overall cut off. The sectional cut off is the minimum score which a candidate must score in a particular section in order to proceed to the next level and an overall cut off score is the cumulative of all sectional scores with or without more addition to the total.

What are the factors that affects SBI Clerk cut off 2016?

There are various factors which affect the cut off marks of SBI Clerk Exam 2016. Some of them are:

  • Overall performance of the candidates

The first factor is the overall performance of the candidates. The cut off score includes consideration for computed standard deviation, which is computed as of the total marks scored by all the candidates who had appeared for the exam.

  • Standard of the paper

The relationship between paper difficulty and cut off marks is inverse in nature. If the paper is tough, then the cut off will be lower and vice versa. However, sometimes if the overall performance is good, irrespective of the paper being tough, the cut off may be decided on the higher side.

  • Reservations

There are certain reservation quota as well. The cut off for them is generally lower than the cut off for the general category. This is why there are always are numerous cut offs in competitive exams.

  • Marking style

Negative marking, correct answer rewards, etc., also play a role in determining the cut off. For an instance, ever since negative marking has been introduced, the cut off has score has fallen from 150 to 130.

It is important for every candidate to make good preparation for the exam. His objective should not be to clear the cut offs, but to give his best by trying to score as much as possible. The SBI Clerk exam is a golden opportunity for the candidates to prove their potential and cut off is just a checkpoint for the candidates to realize their present worth.

SBI Practice papers