Mock Test 3 — RBI Assistant Mains Pattern (100 MCQs)

This is a full-length practice test following the RBI Assistant Mains pattern, scaled to 100 questions across five sections (20 questions each): Reasoning Ability, Numerical Ability, English Language, General Awareness & Banking, and Computer Knowledge.

Section A: Reasoning Ability (Q1–20)

1. If A is B's father, B is C's sister, and C is D's son, then A is D's:
   (a) Grandfather (b) Uncle (c) Father (d) Brother
2. A man walks 8 km north, then turns right and walks 15 km. How far is he from his starting point?
   (a) 15 km (b) 17 km (c) 23 km (d) 7 km
3. If in a code, TABLE is written as UBCMF (each letter shifted forward by 1), how is CHAIR written?
   (a) DIBJS (b) DIBJT (c) DIBIS (d) EIBJS
4. Given: P > Q ≥ R > S. Which of the following must be true?
   (a) P > S (b) S > P (c) Q < S (d) R > P
5. In the letter series B, E, I, N, ?, what is the next letter (gaps +3,+4,+5, next +6)?
   (a) T (b) S (c) U (d) R
6. Statements: All deposits are liabilities. Some liabilities are loans. Conclusion: Some deposits are loans. Does this follow?
   (a) Yes, it follows (b) No, it does not necessarily follow (c) Cannot be determined (d) Both conclusions follow
7. In a floor-based puzzle with 7 floors, a person lives exactly in the middle. Which floor is this?
   (a) 3 (b) 4 (c) 5 (d) 6
8. A candidate ranks 15th from the top in a group of 40. What is their rank from the bottom?
   (a) 25th (b) 26th (c) 27th (d) 24th
9. In the number series 4, 9, 19, 39, ?, what is the pattern and next term?
   (a) 79 (b) 78 (c) 80 (d) 77
10. If "&" means "add," "%" means "subtract," and "×" means "multiply," evaluate using standard order of operations (multiplication before addition/subtraction): 9 & 3 % 4 × 2.
    (a) 4 (b) 6 (c) 8 (d) 2
11. Five people sit in a row. Q is to the immediate left of R. P is at one end. S is between T and Q. Who is at the other end?
    (a) R (b) S (c) T (d) Q
12. A is the son of B's father. C is B's mother. How is A related to C?
    (a) Son (b) Grandson (c) Nephew (d) Brother
13. In a code, MANGO is written as NBOHP. How is APPLE written using the same rule?
    (a) BQQMF (b) BQQNF (c) BPQMF (d) BQPMF
14. Statements: All bankers are professionals. No professionals are dishonest. Conclusion: No bankers are dishonest. Does this follow?
    (a) Yes, it follows validly (b) No (c) Cannot be determined (d) Only partially
15. In a row of 35 people, Anil is 14th from the left. What is his position from the right?
    (a) 21st (b) 22nd (c) 20th (d) 23rd
16. A is twice as old as B. Five years ago, A was three times as old as B. Find B's present age.
    (a) 10 (b) 12 (c) 15 (d) 8
17. Find the missing number: 5, 11, 23, 47, ?
    (a) 95 (b) 93 (c) 97 (d) 91
18. A is facing east. He turns 90° clockwise, then 180°. Which direction is he facing now?
    (a) West (b) North (c) South (d) East
19. In a code, DELHI is coded as 4-5-12-8-9. How is MUMBAI coded using the same rule?
    (a) 13-21-13-2-1-9 (b) 13-21-13-1-2-9 (c) 12-21-13-2-1-9 (d) 13-20-13-2-1-9
20. Statements: All rivers are water bodies. All water bodies sustain life. Conclusion: All rivers sustain life. Does this follow?
    (a) Yes, it follows validly (b) No (c) Cannot be determined (d) Only partially

Section B: Numerical Ability (Q21–40)

21. Simplify: 36 ÷ 6 + 8 × 3 − 5.
    (a) 25 (b) 27 (c) 29 (d) 23
22. A sum of ₹15,000 amounts to ₹19,500 in 3 years at simple interest. Find the rate of interest per annum.
    (a) 10% (b) 8% (c) 12% (d) 9%
23. A trader sells an item at a 10% loss. If he had sold it for ₹150 more, he would have gained 5%. Find the cost price.
    (a) ₹1,000 (b) ₹1,200 (c) ₹1,500 (d) ₹900
24. The ratio of two numbers is 3:5. If their sum is 96, find the larger number.
    (a) 60 (b) 56 (c) 64 (d) 48
25. Find the compound interest on ₹25,000 at 12% per annum for 2 years, compounded annually.
    (a) ₹6,360 (b) ₹6,000 (c) ₹6,600 (d) ₹6,900
26. A and B together complete a task in 15 days; A alone takes 25 days. In how many days can B alone complete it?
    (a) 37.5 days (b) 40 days (c) 35 days (d) 30 days
27. Two pipes fill a tank in 10 hours and 15 hours respectively. Working together, how long do they take?
    (a) 6 hours (b) 5 hours (c) 6.5 hours (d) 7 hours
28. A bank's NPA fell from ₹600 crore to ₹450 crore. Find the percentage decrease.
    (a) 25% (b) 20% (c) 30% (d) 15%
29. Solve for x: 4(x − 3) = 2x + 6.
    (a) 9 (b) 8 (c) 10 (d) 7
30. Find the area of a circle with radius 14 cm (use π = 22/7).
    (a) 616 sq cm (b) 588 sq cm (c) 600 sq cm (d) 624 sq cm
31. The average of five numbers is 24. If one number is excluded, the average becomes 22. Find the excluded number.
    (a) 32 (b) 30 (c) 28 (d) 34
32. A sum doubles itself in 12 years at simple interest. Find the rate of interest.
    (a) 8.33% (b) 10% (c) 12% (d) 9%
33. A shopkeeper marks an item 40% above cost price and gives a 15% discount. Find the net profit percentage.
    (a) 19% (b) 20% (c) 22% (d) 18%
34. Three partners invest ₹25,000, ₹35,000, and ₹40,000 for one year. If total profit is ₹50,000, find the largest share.
    (a) ₹20,000 (b) ₹22,000 (c) ₹18,000 (d) ₹15,000
35. Find the value of: (196 ÷ 14) × 5 + 20.
    (a) 90 (b) 85 (c) 95 (d) 100
36. A boat's speed in still water is 15 km/h; stream speed is 5 km/h. Find the time to cover 60 km upstream.
    (a) 6 hours (b) 5 hours (c) 4 hours (d) 7 hours
37. If the cost price of 12 articles equals the selling price of 10 articles, find the profit percentage.
    (a) 20% (b) 25% (c) 15% (d) 18%
38. A sum becomes ₹9,600 in 2 years and ₹10,800 in 3 years at simple interest. Find the principal.
    (a) ₹7,200 (b) ₹7,500 (c) ₹7,000 (d) ₹8,000
39. Find the missing number in the series: 100, 90, 81, 73, ?
    (a) 66 (b) 64 (c) 68 (d) 70
40. A sum of ₹18,000 is divided between A and B such that A's share is 20% more than B's. Find B's share.
    (a) ₹8,181.82 (b) ₹8,000 (c) ₹9,000 (d) ₹8,500

Section C: English Language (Q41–60)

41. Identify the error: "Each of the applicants have submitted their forms." The error is in:
    (a) "have" should be "has" (b) "applicants" should be "applicant" (c) "submitted" should be "submit" (d) No error
42. Choose the correct form: "If the bank ___ the loan, the business would have expanded."
    (a) approve (b) approves (c) had approved (d) approving
43. Fill in the blank: "The customer complained ___ poor service."
    (a) about (b) at (c) on (d) with
44. Choose the synonym of "Meticulous."
    (a) Careless (b) Thorough (c) Hasty (d) Vague
45. Choose the antonym of "Frugal."
    (a) Economical (b) Wasteful (c) Thrifty (d) Careful
46. Fill in the blank: "He is entitled ___ a refund."
    (a) to (b) for (c) with (d) at
47. Identify the error: "The bank have revised its interest rates."
    (a) "have" should be "has" (b) "revised" should be "revise" (c) "its" should be "their" (d) No error
48. One-word substitution: "A person who audits financial accounts."
    (a) Auditor (b) Accountant (c) Cashier (d) Broker
49. Choose the correctly spelled word.
    (a) Recieve (b) Receive (c) Receeve (d) Receve
50. Fill in the blank: "The manager insisted ___ reviewing the file personally."
    (a) on (b) at (c) with (d) for
51. Idiom: "To foot the bill" means:
    (a) To pay for something (b) To argue over payment (c) To avoid payment (d) To delay payment
52. Choose the correct sentence.
    (a) Neither of the applications are complete. (b) Neither of the applications is complete. (c) Neither of the application is complete. (d) Neither of applications is complete.
53. Fill in the blank: "The interest rate was reduced ___ 0.5%."
    (a) by (b) with (c) to (d) both (a) and (c) can be correct depending on context
54. Choose the antonym of "Solvent."
    (a) Wealthy (b) Insolvent (c) Stable (d) Secure
55. Identify the error: "She don't have enough funds to invest."
    (a) "don't" should be "doesn't" (b) "have" should be "has" (c) "funds" should be "fund" (d) No error
56. One-word substitution: "A document that certifies ownership of a financial asset."
    (a) Certificate (b) Receipt (c) Deed (d) Voucher
57. Fill in the blank: "The bank is liable ___ any errors in the transaction."
    (a) for (b) to (c) with (d) at
58. Choose the correct passive form: "The bank approved the loan."
    (a) The loan was approved by the bank. (b) The loan approved by the bank. (c) The loan is approved by the bank. (d) The loan has approved by the bank.
59. Idiom: "To be in the red" means:
    (a) To be angry (b) To be in debt or loss (c) To be very busy (d) To be successful
60. Choose the synonym of "Solvency."
    (a) Bankruptcy (b) Financial stability (c) Debt (d) Loss

Section D: General Awareness & Banking (Q61–80)

61. The Reserve Bank of India was nationalised in which year?
    (a) 1949 (b) 1935 (c) 1969 (d) 1955
62. Which committee recommended the establishment of the Regional Rural Banks?
    (a) Narasimham Committee (b) Narain Committee (c) Chakravarty Committee (d) Rangarajan Committee
63. What is the full form of SLR in banking?
    (a) Statutory Liquidity Ratio (b) Secured Lending Rate (c) State Liquidity Reserve (d) Standard Loan Rate
64. Which bank is known as the "banker's bank" in India?
    (a) State Bank of India (b) Reserve Bank of India (c) NABARD (d) HDFC Bank
65. The headquarters of the World Bank is located in which city?
    (a) Washington, D.C. (b) New York (c) Geneva (d) London
66. Which organisation regulates the insurance sector in India?
    (a) SEBI (b) IRDAI (c) RBI (d) NABARD
67. What does the term "repo rate" refer to?
    (a) The rate at which RBI lends to commercial banks (b) The rate at which banks lend to customers (c) The rate of return on government bonds (d) The inflation rate
68. Which is the apex institution for agricultural and rural development finance in India?
    (a) NABARD (b) SIDBI (c) EXIM Bank (d) SBI
69. The term "Basel Norms" is related to which sector?
    (a) Banking regulation (b) Insurance regulation (c) Stock market regulation (d) Taxation
70. Who is the current Governor of the Reserve Bank of India (as of the period covered by this book)?
    (a) The individual holding office per the RBI's official notification at the time of the exam (b) A position that never changes (c) Always the Finance Minister (d) Always a retired judge
71. What is the minimum capital requirement concept called under Basel III norms?
    (a) Capital Adequacy Ratio (b) Debt-Equity Ratio (c) Loan-to-Value Ratio (d) Liquidity Coverage Ratio only
72. Which scheme provides a pension for workers in the unorganised sector in India?
    (a) Atal Pension Yojana (b) Pradhan Mantri Jan Dhan Yojana (c) Pradhan Mantri Mudra Yojana (d) Ayushman Bharat
73. What is the full form of IFSC code used in Indian banking?
    (a) Indian Financial System Code (b) International Financial Settlement Code (c) Indian Fund Security Code (d) International Fund System Code
74. Which financial institution is responsible for deposit insurance in India?
    (a) DICGC (b) RBI (c) SEBI (d) NABARD
75. The term "Merchant Banking" refers to services related to:
    (a) Retail banking only (b) Corporate financial advisory and fundraising services (c) Personal loans (d) Agricultural loans
76. What is the full form of MCLR in banking?
    (a) Marginal Cost of Funds based Lending Rate (b) Minimum Cost Lending Rate (c) Maximum Credit Lending Ratio (d) Monetary Credit Lending Rule
77. Which body issues currency notes in India?
    (a) The Reserve Bank of India (b) The Ministry of Finance (c) The State Bank of India (d) The Government Mint alone
78. What does "KYC" stand for in banking?
    (a) Know Your Customer (b) Keep Your Cash (c) Key Yield Certificate (d) Know Your Credit
79. Which is the regulatory body for the securities market in India?
    (a) SEBI (b) RBI (c) IRDAI (d) PFRDA
80. What is the full form of GDP?
    (a) Gross Domestic Product (b) General Development Plan (c) Gross Development Percentage (d) Government Development Programme

Section E: Computer Knowledge (Q81–100)

81. Which component is often called the "brain" of the computer?
    (a) RAM (b) CPU (c) Hard Disk (d) Motherboard
82. What does RAM stand for?
    (a) Random Access Memory (b) Read Access Memory (c) Rapid Access Module (d) Random Allocation Memory
83. Which of the following is an example of an operating system?
    (a) MS Word (b) Linux (c) Excel (d) Photoshop
84. What does USB stand for?
    (a) Universal Serial Bus (b) United Serial Board (c) Universal System Board (d) Uniform Serial Bus
85. Which key is used to refresh a web page?
    (a) F5 (b) F2 (c) F10 (d) F12
86. What does HTTP stand for?
    (a) HyperText Transfer Protocol (b) High Transfer Text Protocol (c) HyperText Transmission Path (d) High Text Transfer Process
87. Which type of memory is non-volatile?
    (a) RAM (b) ROM (c) Cache (d) Register
88. What does the acronym "LAN" stand for?
    (a) Local Area Network (b) Large Area Node (c) Linked Access Network (d) Local Access Node
89. Which shortcut key is used to copy selected text?
    (a) Ctrl+C (b) Ctrl+V (c) Ctrl+X (d) Ctrl+Z
90. What is the function of an antivirus program?
    (a) To speed up the computer (b) To detect and remove malicious software (c) To manage files (d) To connect to the internet
91. Which of these is an input device?
    (a) Monitor (b) Printer (c) Keyboard (d) Speaker
92. What does "URL" stand for?
    (a) Uniform Resource Locator (b) Universal Record Link (c) Uniform Retrieval Location (d) Universal Resource Locator
93. Which company developed the Windows operating system?
    (a) Apple (b) Microsoft (c) Google (d) IBM
94. What is the full form of "PDF"?
    (a) Portable Document Format (b) Personal Document File (c) Printed Document Format (d) Public Data File
95. Which device is used to convert digital signals to analogue and vice versa for internet connectivity?
    (a) Router (b) Modem (c) Switch (d) Hub
96. What does "CC" stand for in email terminology?
    (a) Carbon Copy (b) Central Copy (c) Confidential Copy (d) Combined Copy
97. Which of the following is a valid email format?
    (a) name@domain.com (b) name.domain.com (c) name#domain.com (d) name@domain
98. What is malware short for?
    (a) Malicious software (b) Mainframe software (c) Manual software (d) Managed software
99. Which of the following is a web browser?
    (a) Google Chrome (b) MS Word (c) MS Excel (d) MS Access
100. What does "Wi-Fi" commonly stand for or refer to?
     (a) Wireless Fidelity (b) Wide Fiber (c) Wireless File (d) Wired Fidelity

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Answer Key with Explanations

Section A:

1.(a) B is C's sister, and C is D's son, so B is also D's mother; since A is B's father, A is D's grandfather.

2.(b) Using the Pythagorean theorem: distance = √(8² + 15²) = √(64+225) = √289 = 17 km.

3.(a) Each letter shifts forward by one place in the alphabet, the same rule as TABLE→UBCMF; applying it to CHAIR gives DIBJS.

4.(a) Since P > Q ≥ R > S, it follows directly that P > S.

5.(a) The gaps between letters increase: B to E is +3, E to I is +4, I to N is +5, so N to next is +6, giving T.

6.(b) No, this does not necessarily follow: the "some liabilities" that are loans may not include any deposits specifically.

7.(b) With 7 floors, the middle floor is floor 4.

8.(b) Rank from the bottom = 40 − 15 + 1 = 26th.

9.(a) Each term follows ×2+1: 4×2+1=9, 9×2+1=19, 19×2+1=39, 39×2+1=79.

10.(a) Substituting the coded meanings and applying standard order of operations (multiplication before subtraction/addition): 9 + 3 − (4 × 2) = 12 − 8 = 4.

Section B:

21.(a) 36 ÷ 6 + 8 × 3 − 5 = 6 + 24 − 5 = 25.

22.(a) Interest earned = 19,500 − 15,000 = 4,500; rate = (4,500 × 100)/(15,000 × 3) = 10%.

23.(a) Let the cost price be x; 0.90x + 150 = 1.05x, giving 150 = 0.15x, so x = 1,000.

24.(a) Let the numbers be 3y and 5y; 3y+5y=96, so 8y=96, y=12; the larger number is 5×12=60.

25.(a) CI = 25,000 × (1.12)² − 25,000 = 25,000 × 1.2544 − 25,000 = 31,360 − 25,000 = ₹6,360.

26.(a) Combined rate = 1/15; A's rate = 1/25; B's rate = 1/15 − 1/25 = 5/75 − 3/75 = 2/75; B alone takes 75/2 = 37.5 days.

27.(a) Combined rate = 1/10 + 1/15 = 3/30 + 2/30 = 5/30 = 1/6; time taken together = 6 hours.

28.(a) Decrease = 600 − 450 = 150; percentage decrease = (150/600) × 100 = 25%.

29.(a) 4(x−3) = 2x+6 → 4x−12 = 2x+6 → 2x = 18 → x = 9.

30.(a) Area = πr² = (22/7) × 14 × 14 = 22 × 2 × 14 = 616 sq cm.

31.(a) Sum of five numbers = 5×24 = 120; sum of remaining four = 4×22 = 88; excluded number = 120 − 88 = 32.

32.(a) If a sum doubles in 12 years, the interest equals the principal over 12 years, so the rate is 100%/12 ≈ 8.33% per annum.

33.(a) Let cost price be 100; marked price = 140; selling price after 15% discount = 140×0.85 = 119; profit percentage = 19%.

34.(a) Total investment = 25,000+35,000+40,000 = 1,00,000; largest partner's share = (40,000/1,00,000) × 50,000 = ₹20,000.

35.(a) (196 ÷ 14) × 5 + 20 = 14 × 5 + 20 = 70 + 20 = 90.

36.(a) Upstream speed = 15−5 = 10 km/h; time = 60/10 = 6 hours.

37.(a) If the cost price of 12 articles equals the selling price of 10, the trader gains the value of 2 extra articles per 10 sold; profit percentage = (2/10) × 100 = 20%.

38.(a) Interest for 1 year (from year 2 to year 3) = 10,800 − 9,600 = 1,200; interest for 2 years = 2,400; principal = 9,600 − 2,400 = ₹7,200.

39.(a) The differences between terms decrease: 100−90=10, 90−81=9, 81−73=8, so the next difference is 7, giving 73−7=66.

40.(a) Let B's share be x; A's share = 1.2x; x + 1.2x = 18,000, so 2.2x = 18,000, x ≈ 8,181.82.

Section C:

41.(a) Correct: "Each of the applicants has submitted his/her form" — "each" takes a singular verb.

42.(a) Correct: "had approved" — the third conditional (past unreal condition) requires the past perfect in the if-clause.

43.(a) "complained about poor service" is correct.

44.(a) Meticulous means extremely careful and precise, matching "Thorough."

45.(a) Frugal means economical; its antonym is "Wasteful."

46.(a) "entitled to a refund" is correct.

47.(a) Correct: "The bank has revised its interest rates" — "bank" as a singular institution takes "has."

48.(a) A person who audits financial accounts is an "Auditor."

49.(b) "Receive" is the correctly spelled word, following "i before e except after c."

50.(a) "insisted on reviewing" is correct.

51.(a) "To foot the bill" means to pay for something, typically an expense incurred by others.

52.(b) Correct: "Neither of the applications is complete" — "neither" takes a singular verb.

53.(a) "reduced by 0.5%" is the standard and correct construction for describing a rate reduction amount.

54.(b) Solvent means having enough money to pay debts; its antonym is "Insolvent."

55.(a) Correct: "She doesn't have enough funds" — third-person singular requires "doesn't."

56.(c) A document certifying ownership of a financial asset is a "Deed."

57.(a) "liable for any errors" is correct.

58.(a) Correct passive form: "The loan was approved by the bank."

59.(b) "To be in the red" means to be in debt or operating at a financial loss.

60.(b) Solvency means the state of having enough money to meet debts, matching "Financial stability."

Section D:

61.(c) The RBI was nationalised in 1949.

62.(b) The Narain Committee recommended the establishment of Regional Rural Banks.

63.(a) SLR stands for Statutory Liquidity Ratio.

64.(b) The Reserve Bank of India is known as the "banker's bank" in India.

65.(a) The World Bank is headquartered in Washington, D.C.

66.(b) The IRDAI regulates the insurance sector in India.

67.(a) The repo rate is the rate at which the RBI lends to commercial banks.

68.(a) NABARD is the apex institution for agricultural and rural development finance in India.

69.(a) The Basel Norms relate to banking regulation, particularly capital adequacy standards.

70.(a) The RBI Governor in office is the individual holding the post per the RBI's official notification current at the time of the examination, and candidates should verify the incumbent close to their exam date.

71.(a) The Capital Adequacy Ratio is the key minimum capital requirement concept under Basel III norms.

72.(a) The Atal Pension Yojana provides a pension scheme for workers in the unorganised sector.

73.(a) IFSC stands for Indian Financial System Code.

74.(a) The DICGC (Deposit Insurance and Credit Guarantee Corporation) is responsible for deposit insurance in India.

75.(b) Merchant banking refers to corporate financial advisory and fundraising services.

76.(a) MCLR stands for Marginal Cost of Funds based Lending Rate.

77.(a) The Reserve Bank of India issues currency notes in India.

78.(a) KYC stands for Know Your Customer.

79.(a) SEBI (Securities and Exchange Board of India) regulates the securities market in India.

80.(a) GDP stands for Gross Domestic Product.

Section E:

81.(b) The CPU is often called the "brain" of the computer.

82.(a) RAM stands for Random Access Memory.

83.(b) Linux is an operating system, while the other options are application software.

84.(a) USB stands for Universal Serial Bus.

85.(a) F5 is commonly used to refresh a web page.

86.(a) HTTP stands for HyperText Transfer Protocol.

87.(b) ROM is non-volatile memory, retaining data even without power.

88.(a) LAN stands for Local Area Network.

89.(a) Ctrl+C is the shortcut key used to copy selected text.

90.(b) An antivirus program detects and removes malicious software.

91.(c) A keyboard is an input device, used to enter data into the computer.

92.(a) URL stands for Uniform Resource Locator.

93.(b) Microsoft developed the Windows operating system.

94.(a) PDF stands for Portable Document Format.

95.(b) A modem converts digital signals to analogue and vice versa for internet connectivity.

96.(a) CC stands for Carbon Copy in email terminology.

97.(a) "name@domain.com" is a valid email format, using the "@" symbol.

98.(a) Malware is short for malicious software.

99.(a) Google Chrome is a web browser, while the other options are application software suites.

100.(a) Wi-Fi is commonly understood to stand for Wireless Fidelity.