As per the notice of combined Graduate Level Examination, 2016 published on 13.02.2016 on Staff Selection Commission’s website as well as Employment news/ Rozgar samachar.

The number of Questions is 100 which would carry 200 marks. The duration of the examination would be for 75 minutes. It is computer based examination mode in place of OMR based examination mode. It is scheduled to be held from 27th AUGUST, 2016.

Accordingly, the revised scheme of examination is detailed below.

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There will be negative marking of 0.50 for each wrong answer.

The candidates will have the option to choose any one medium. The details are given below under.

Mode of Examination
Scheme of Examination


Pen and Paper Mode Descriptive Paper in English / hindi

(Writing of essay/Precis/ Letter/ Applications Writing etc.)


Total Marks 100 60 Minutes


For VH and candidates suffering from cerebral Palsy:80 Minutes.


Data Entry Skill Test (DEST) / Computer Proficiency Test (CPT)

(Wherever Applicable)

Same as Published in the Notice of Examination Qualifying Same as Published in the Notice of Examination

There will be no sectional cut-off.


NEET Phase II – All that you should know (Information, Syllabus, Exam Pattern and Practice)

As per the last verdict from Supreme Court on 9th May 2016, all admission to undergraduate medical courses will be taken only through NEET. This applies to all states of India and all medical colleges including private and deemed medical colleges. This overrules any state medical entrance exams that have been already taken.

Further for students who have written NEET Phase I but wish to write it again, can do so. If a student wants to appear for NEET Phase II  they will have to give up on their scores of NEET Phase I. Score of NEET Phase II will be considered as final in their case.

Final Date of NEET Phase II is yet undecided. CBSE will decide and declare this date soon. All details will be available on or alternatively on

Here are few more details about this exam to be conducted.


 (a) Pattern of the Entrance Test:– The Entrance Test shall consist of one paper containing 180 objective type questions (four options with single correct answer) from Physics, Chemistry and Biology (Botany & Zoology) to be answered on the specially designed machine-gradable sheet using Ball Point Pen provided by CBSE at centre only. The duration of test would be 03 hours.

 (b) Marking scheme:- Each question carries 4 marks. For each correct response the candidate will get 4 marks. For each incorrect response one mark will be deducted from the total score. No deduction from the total score will, however, be made if no response is indicated for an item in the answer sheet. The candidates are advised not to attempt such item in answer sheet, if they are not sure of the correct response. More than one answer indicated in a question will be deemed as incorrect response and will be negatively marked.

 (c) Language of the Question Papers:-

(i) Candidates can opt for Question Paper either in English or in Hindi.

(ii) Option of medium of Question Paper should be exercised while filling in the application form and the option once exercised by candidates cannot be changed later.

(iii) Candidates opting for English would be provided Test Booklet in English only and the candidates opting for Hindi would be provided Bilingual Test Booklet i.e. in Hindi and in English.

(iv) In case of any ambiguity in translation of any of the questions, its English version shall be treated as final.



Syllabus will be according to CBSE XI and XII. For details visit page 26 on :



Practice for such exams is very essential to gain the real exam experience, solve time based tests and mock tests with negative marking. will provide you with all these facilities.

Practice test for NEET is available for free and paid at:

Take chapter-wise and mock tests by registering yourself on and practice from over 18000 questions designed by experts for NEET exam.



SBI Recruitment for Junior Associate (Support/Sales) and Junior Agriculture Associate

SBI has vacancy for 19,000+ Junior positions to be filled.

Candidates will be recruited from SBI Clerical Exam held in May/June 2016.

Last date to fill up online forms is 25th April 2016.
Selection Procedure:

The selection process will consist of on-line test (preliminary & main examinations), test of official and/or local language and subject to Government of India approval, interview

Phase-I : Preliminary Examination:

Preliminary Examination consisting of Objective Tests for 100 marks will be conducted online. This test would be of 1 hour duration consisting of 3 Sections as follows:

SL. Name of test No. of Questions Marks
1. English Language 30 30
2. Numerical Ability 35 35
3. Reasoning Ability 35 35

Total 100

Candidates have to qualify in each of the three tests by securing passing marks to be decided by the Bank. Adequate number of candidates in each category as decided by the Bank (approximately 20 times the numbers of vacancies subject to availability) will be short listed for the Main Examination.

Click Here to appear for Banking Exams free online test series on and know where you stand in competition

Phase – II: Main Examination:

The structure of main examination (online objective type) would be as follows :

SL. Name of test No. of Questions Marks Duration
1. General/Financial Awareness 50 50 35 minutes
2. General English 40 40 35 minutes
3. Quantitative Aptitude 50 50 45 minutes
4. Reasoning Ability & Computer Ability 50 60 45 minutes
  Total 190 200 2 Hours 40 minutes


Click Here to take Bank Clerical free practice test online on and know your weak areas and improve your performance

Each test will have separate timing as mentioned above. The questions in objective tests, except for the test of General English, will be bilingual i.e., English &Hindi. The candidates are required to qualify in each of the Tests by securing passing marks, to be decided by the Bank. There will be negative marks for wrong answers in the Objective tests. 1/4th mark will be deducted for each wrong answer. Candidates will have to pass in each of the objective tests. The passing marks in each of the tests will be decided by the Bank on the basis of the performance of all the competing candidates taken together in each test to a minimum required level. Candidates are also required to score a minimum percentage marks on aggregate (For SC/ST/OBC/PWD/XS candidates, 5% relaxation available thereon). Minimum percentage marks on aggregate will be decided by the bank. NOTE: Other detailed information regarding the examination will be given in the ‘Acquaint Yourself’ booklet, which will be made available to the eligible candidates along with the call letter for the test.

Phase – III: Interview(subject to Govt. of India approval)

Candidates qualified in the test (main examination) will be placed according to their marks in descending order in respective categories. Depending upon the number of vacancies only certain number of candidates from amongst those who qualify by ranking high enough in the merit will be called for interview in the ratio of maximum 3 candidates for each vacancy. Candidates are required to score a minimum percentage marks (to be decided by the bank) in interview to be considered for final selection. 5% relaxation for SC/ST/ OBC/PWD/XS category will be available thereon. Note: Interview call letters will be uploaded on the Bank’s website after declaration of result of online test. Candidates will have to download the same from our website. No hard copy of interview call letter will be sent by post. Test of knowledge of official and/or local language: Those who produce 10th standard mark sheet/certificate evidencing having studied official (local) language will not be subjected to any Language test. In case of others, language test will be conducted at the time of interview (if interview is held) /before final selection (if interview is not held). Candidates not found to be proficient in official and/or local language would be disqualified. Final Selection The marks obtained in the Preliminary Examination (Phase-I) will not be added for the selection and only the marks obtained in Main Examination (Phase-II) will be added to the marks obtained in Interview (Phase-III) (if interview is held) for preparation of the final merit list. Final selection will be made on the basis of candidate’s performance in the test (main examination) and interview (if interview is held) taken together. Results of the candidates who have qualified for Interview and the list of candidates finally selected will be made available on the Bank’s website. Final select list will be published in Employment News/ RozgarSamachar.


(A) Essential Academic Qualifications: (AS ON 30.06.2016)

(i) For Junior Associates: Graduation in any discipline from a recognised University or any equivalent qualification recognised as such by the Central Government.

(ii) For Junior Agricultural Associates : Graduation in Agriculture or Agriculture allied activities from a Government recognised university/Institute. Those who are in the final Semester/ year of Graduation may also apply provisionally subject to the condition that, if called for interview/joining, they will have to produce proof of having passed the Graduation Examination on or before 30.06.2016. Candidates having integrated dual degree (IDD) certificate should ensure that the date of passing the IDD is on or before 30.06.2016.


(a) The date of passing eligibility examination will be the date appearing on the mark sheet or provisional certificate issued by the University / Institute. In case the result of a particular examination is posted on the website of the University / Institute, a certificate issued by the appropriate authority of the University / Institute indicating the date on which the result was posted on the website will be taken as the date of passing.

(b) Matriculate Exservicemen, who have obtained the Indian Army Special Certificate of Education or corresponding certificate in the Navy or Air Force, after having completed not less than 15 years of service in Armed Forces of the Union are also eligible for the post. Such certificates should be dated on or before 30.06.2016.

(c) Candidates should be able to write and speak English.


(B) Age Limit :(As on 01.04.2016)

Not below 20 years and not above 28 years as on 01.04.2016 i.e candidates must have been born not earlier than 02.04.1988 and not later than 01.04.1996 (both days inclusive)

For more details, refer to advertisement published by SBI at :


What is Compound Interest?

What is ‘Compound Interest’

Compound interest is interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan. Compound interest can be thought of as “interest on interest,” and will make a deposit or loan grow at a faster rate than simple interest, which is interest calculated only on the principal amount. The rate at which compound interest accrues depends on the frequency of compounding; the higher the number of compounding periods, the greater the compound interest. Thus, the amount of compound interest accrued on $100 compounded at 10% annually will be lower than that on $100 compounded at 5% semi-annually over the same time period. Compound interest is also known as compounding.


A bank offers 5% compound interest calculated on half-yearly basis. A customer deposits Rs. 1600 each on 1st January and 1st July of a year. At the end of the year, the amount he would have gained by way of interest is:

A. Rs. 120

B. Rs. 121

C. Rs. 122

D. Rs. 123




What is Sum Of The Years ?

What are ‘Sum-Of-The-Years’ Digits ‘

An accelerated method for calculating an asset’s depreciation. This method takes the asset’s expected life and adds together the digits for each year. So if the asset was expected to last for five years, the sum of the years’ digits would be obtained by adding: 5 + 4 + 3 + 2 + 1 to get a total of 15. Each digit is then divided by this sum to determine the percentage by which the asset should be depreciated each year, starting with the highest number in year 1.

BREAKING DOWN ‘Sum-Of-The-Years’ Digits ‘

It makes sense to use an accelerated depreciation method such as the SYR method when an asset will lose most of its value toward the beginning of its useful life – as is the case with automobiles, for example.
In the five year example above, the SYD method would yield the following depreciation schedule:

Year 1: 5/15 = 33%

Year 2: 4/15 = 27%

Year 3: 3/15 = 20%

Year 4: 2/15 = 13%

Year 5: 1/15 = 7%

The percentages for each year should add up to 100%.


Original cost =Rs.1,26,000: Salvage value = nil: Useful life = 6 years.Depreciation for the 1st year under sum of years digits method will be

a. Rs.6,000

b. Rs.12,000

c. Rs.18,000

d. Rs.36,000








What is Called-up value?

What is share?

The capital of a company is divided into shares. Each share forms a unit of ownership of a company and is offered for sale so as to raise capital for the company.

In financial markets, a share is a unit of account for various investments. It often means the stock of a corporation, but is also used for collective investments such as mutual funds, limited partnerships, and real estate investment trusts.

Corporations issue shares which are offered for sale to raise share capital. The owner of shares in the corporation is a shareholder (or stockholder) of the corporation. A share is an indivisible unit of capital, expressing the ownership relationship between the company and the shareholder. The denominated value of a share is its face value, and the total of the face value of issued shares represent the capital of a company, which may not reflect the market value of those shares.

The income received from the ownership of shares is a dividend. The process of purchasing and selling shares often involves going through a stockbroker as a middle man.

Called-up value:

The value of the issued shares that have remained fully or partially unpaid, and whose holders have now been called upon to pay the balance.

Depending on the jurisdiction and the business in question, some companies may issue shares to investors with the understanding they will be paid at a later date. This allows for more flexible investment terms and may entice investors to contribute more share capital than if they had to provide funds up front. The amount of share capital owed by shareholders, but has not yet been paid, is referred to as called-up capital.



A company forfeited 2,000 shares of Rs.10 each (which were issued at par) held by Mr. John for non-payment of allotment money of Rs.4 per share. The called-up value per share was Rs.9. On forfeiture,the amount debited to share capital will be

  1. Rs.10,000
  2. Rs.8,000
  3. Rs.2,000
  4. Rs.18,000


On forfeiture, the share capital account is always with the called value of share

(2,000 x 9) Share Capital A/c Dr. 18,000

(2,000 x 5) To Share forfeiture 10,000

(2,000 x 4) To Calls – in- arrears 8,000

Look For Possibilities

If You Focus On Possibilities You’ll Have More Opportunities.

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Eniac was one of the first computers to list – electronic circuits, which made for lightning fast calculations. At first, Thomas J. Watson, the former chairman of IBM, saw no use for it. He said,” I reached to Eniac the way some people probably reacted to the Wright brothers’ airplane. It didn’t move me at all…. I couldn’t see this gigantic, costly, unreliable device as a piece of business equipment.”

A few weeks later, he and his father wandered into a research office as IBM and saw engineer with a high – speed punch- card medicine hooked up to a black box. When asked what he was doing, he said, “Multiplying with radio tubes.” The machine was tabulating payroll at one tenth the time it took the standard punch card machine to do so. Watson recalls, “That impressed me as though somebody had hit me on the head with a hammer.” He said, Dad, we should put this thing on the market! Even if we only sell eight or ten, we’ll be able to advertise the fact that we have the world’s first commercial electronic calculator.”

That’s how IBM got into electronics. Within a year, they had electronic circuits that both multiplied and divided, and at that point, electronic circuits that both multiplied and divided, and at that point, electronic calculators become truly useful. Thousands of the IBM 604 were sold.

What wasn’t yet obvious to Thomas Watson was obvious to the engineer working In the research department. Always keep your eyes and ears open; you never know what you might discover. Look for the possibilities around you.

Believe in Your dream

The Future Belongs to Those Who Believe In The beauty Of Their Dreams.


Grace Hopper was born with a desire to discover how things worked. At age seven, her curiosity led her to dismantle every clock, in her childhood home! When she grew up, she eventually completed a doctorate in mathematics at Yale University. During World II, Grace joined the navy and was assigned to the navy’s computation project at Harvard University. There she met “Harvard Mark I,” the first fully functional digital computing machine. Once again, Grace set about to learn how something worked.

Unlike the clocks in her childhood home, however, ”Harvard Mark I” was composed of 750,000 parts and 500 miles of wire! While most experts believed computers were too complicated and expensive for anyone but highly trained scientists to use, Grace had her own idea. Her goal was to make them easier to operate, so more people could use them. Her work gave rise to the programming language COBOL.

As late as 1963, each large computer had its own unique master language. Grace became an advocate for a universally accepted language. She had the audacity to envision a day when computers would be small enough to sit on a desk more powerful than Harvard Mark I, and useful in offices, schools, and at home. At the age of seventy nine, she retired from the navy with a rank of rear admiral. But more important to her, she had to see her dream of personal computers come true!


Believe in your dreams. With God, all things are possible.

Long – term Vision


In 1877, George Eastman dreamed that wonderful world of photography might be accessible to the average person. At the time, photography working outdoors had to carry multiple pieces of bulky equipment and a corrosive agent called silver nitrate. Eastman theorized that if he could eliminate most of this equipment, he could make his dream a reality.

Working in a bank by day, he spent his nights reading books on chemistry and magazines about photography. He took foreign language lessons so he could real information published in France and Germany. Then with a partner, he began his own company in 1881. Almost immediately, a problem arose with the new “dry plates” he had invented. Eastman refunded the money to those who had purchased them and returned to his lab. Three months and 472 experiments later he came up with the durable emulsion for which he had searched!

Eastman spent, many nights sleeping in a hammock at his factory after long days assigning equipment. To replace the glass used is photographic plates, he created a roll of thin, flexible material now known as film. To replace heavy tripods, he developed a pocket camera. By 1895, photography was at last available to the “common man.

George Eastman’s long term vision kept him motivated even when 471 experiments faded.

Keeping your ultimate dream in mind, set short, attainable goals, and before you even know it, your vision will become a reality!

Don’t Failures Keep You Down

“Failure Is Not The opposite Of Success, It Is Part Of Success.”

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Did you fall down the first time you tried to walk? Most likely. Did you feel as if you were drowning the first time you ventured into deep water? Probably. Did you hit the ball the first time you swung a bat? Probably not.

R.H Macy failed times before his store in New York became popular. English novelist John Creasey received 753 rejection slips prior to publishing 564 books.

Babe Ruth struck out 1,330 times, yet he is best known for hitting 714 home runs.

Michael Jordan didn’t make the cut for his high – school basketball team when he was a sophomore. He cried over his failure but then tried harder. The next year he made the team and never looked back.

One salesman noted that he made one sale for about every ten “ cold calls” he made. Each sale averaged about $1,000. Rather than be discouraged when he was turned down, he’d simply say, “Well, I just made $ 100.” He saw himself as one – tenth closer to a commission.

Don’t expect never to fail. Expect occasional failure, learn from it, and move a little closer to your goal.

Losers quit when they fail. Winners fail until they succeed.