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Corrigendum Notice: Junior Engineers Examination 2015

Bankers Guru
Staff Selection Commission decided the date of Junior Engineers(Civil/Mechanical/Electrical and Quantity Surveying and Contract) Examination 2015 is amended to read as 20-12-2015 in place of 06-12- 2015.

IMPORTANT NOTICE:Paper-II of Sub-Inspectors in CAPFs and Delhi Police Examination, 2015

Bankers Guru
It has come to notice of the Staff Selection Commission that in some of the Question Booklets, a particular passage was not printed. Due to the aforesaid error in the printing it has been decided that all candidates who had appeared in the Paper-II of Sub-Inspectors in CAPFs and Delhi Police Examination, 2015 held on 30.08.2015 would be awarded marks for the above referred Questions irrespective of whether he/she had attempted the said Questions.

Allahabad Bank Specialist Officers Final Result Declared

Bankers Guru
Allahabad Bank has announced the list of candidates identified for the post of Specialist Officer in JMG Scale-I. The Common Recruitment Process for selection of SPECIALIST Officers in Public Sector Banks conducted by IBPS, Mumbai and subsequent allotment of candidates made by IBPS based on the performance in CWE-IV online exam and interview.

IBPS CWE-IV Specialist Officers Recruitment Project 2015-16. List of candidates identified for joining and list of Provisional candidates along with discrepancies.

Andhra Pradesh Grameena Vikas Bank Officer Scale II and III Interview Result Announced

Bankers Guru
Andhra Pradesh Grameena Vikas Bank has released the List of candidates provisionally selected for appointment as Officer Scale II and Officer Scale III. The Common Written Examination conducted by IBPS in Sept 2014 and subsequent Interviews conducted by bank from 24th and 25th Aug, 2015.

List of OS II & III candidates Finally selected with instructions

Vocabulary - 31.08.2015

Bankers Guru

1. LINT (NOUN): tiny particles in the air

Synonyms: dirt, grime 

Antonyms: cleanliness, purity 

Example Sentence:

I did think the hall was rather dirty when I dropped my coat and took it up covered with lint.

2. CARRION (NOUN): decaying flesh

Synonyms: corpse, remains 

Example Sentence:

Already the carrion birds had gathered in incredible numbers.

3. PUNDIT (NOUN): one who gives his opinion as an expert in a specific field

Synonyms: philosopher, intellectual Antonyms: ignoramus, amateur

Example Sentence:

John is the pundit in our science class who usually knows all the test review answers.

4. SATE (VERB): satisfy

Synonyms: gratify, satiate Antonyms: abstain, deprive

Example Sentence:

Why wait a week to watch another episode when there are 108 more available and you can sate your hunger by just clicking away?

5. ARSON (NOUN): intentional burning

Synonyms: torching, firing 

Example Sentence:

Parker said true serial arsonists are relatively rare, and that most arson crimes are for financial gain or fraud.

6. ABRADE (VERB): scrape

Synonyms: erode, grate Antonyms: rebuild, please

Example Sentence:

In all cases, however, a hard file will abrade the surface of the false stone.

7. MACULATED (VERB): corrupt, violate

Synonyms: besmirch, degrade Antonyms: honour, praise

Example Sentence:

We are maculate, and it is given to no man to probe the mystery of existence.

8. INCUBUS (ADJECTIVE): evil spirit 

Synonyms: demon, devil Antonyms: angel, god

Example Sentence:

It was one of those rash friendships that so often prove an incubus in afterlife. 

9. NOSTRUM (NOUN): cure-all, often ineffective

Synonyms: falsify, feign Antonyms: disease, injury

Example Sentence:

We may safely feel certain that the nostrum was not liquid oxygen.

10. SIBYL (NOUN): prophet

Synonyms: augur, druid Antonyms: ignorant

Example Sentence:

Nobody really knows how the new leadership there will try to prove itself, but past experience does not sibyl well for the future.

English For PO/CLERK : 28.08.2015

Bankers Guru
Q.1-5. Read the following passage carefully and answer the questions given below it certain words are given in bold to help you locate them while answering some of the questions.

While most of India sweltered this extended summer, the people charged with delivering electricity to the country barely broke a sweat. Power outages through June and July averaged over 36,000 MW - roughly 18% of India’s installed generating capacity of 2,02,980 MW. Outages across the country routinely cause 16-hour blackouts in cities. Nearly 25% of India’s population (over 300 million) still has no access to electricity. That contrasts sharply with those in power. The VIP precinct of Lutyens’ Delhi, for example, never suffers power outages.

Unbridled power theft, often with official connivance, is a major cause for the chronic electricity shortage that bedevils India - hurting farmers, industrialists and traders alike. The other cause is bad governance. Transmission and distribution (T&D) losses are over 32% of installed generating capacity compared to the global average of 10%.

Shortage of coal - again a direct result of misgovernance of our natural resources - has worsened the crisis. Mumbai’s island city is one of the few urban areas in India where there have been no power cuts stretching back decades. The reason: a unique “islanding system” pioneered by Tata Power. If the Western Regional Power Grid breaks down, the system is automatically isolated from the rest of the grid, ensuring uninterrupted power to the island city. The Tatas (along with Reliance) supply power to Delhi as well but, in the absence of an “islanding system” and Delhi’s higher incidence of power theft, outages remain endemic in the capital.

The key to solving India’s power crisis lies in four areas. First, rapidly adding more generating capacity across the country. Two, reducing T&D losses (including theft) from 32% to nearer the 10% global average. Three, reforming the coal-mining sector to ensure steady fuel supply to power plants. Four, refinancing bankrupt state electricity boards who today don’t have the funds to even maintain their equipment - a primary cause of unscheduled power outages.

Q.1. What is the major cause for chronic electricity shortage in India ?

(1) India’s low capacity of generating power.

(2) Uncontrolled power theft in which the officials of the electricity department also co-operate secretly.

(3) Heavy blackouts in cities.

(4) Lack of resources producing electricity

(5) None of these 

Q.2. Who among the following are affected by the shortage of electricity in India ?

(1) Common people (2) Middle class families (3) Industrialists, farmers and traders 

(4) 25 % of the population of Mumbai (5) People residing in urban areas

Q.3. How is Mumbai’s island city different from other urban areas of India ?

(1) It is the home of all the VIPs

(2) It is a hub of all the major industries

(3) It experiences heavy power cuts everyday

(4) It has never experienced power cuts

(5) There have been no power cuts here for decades

Q.4. Why doesn’t Mumbai’s island city experience power cuts ?

(1) The officials do not support power cuts in the area

(2) It has ample supply of power and electricity

(3) 36,000 MW of electricity is being supplied here everyday

(4) It observes a unique islanding system managed by Tata Power

(5) All of the above

Q.5. Which of the following is TRUE in context of the passage?

(1) India’s power crisis can be solved if we follow an islanding system in all our cities.

(2) One of the reasons of Delhi facing power crisis is higher incidences of power theft.

(3) Bad governance has also led to the shortage of electricity

(4) Over 300 million people of India do not have access to electricity

(5) Rural India doesn’t receive even 18 % of the total electricity.

(1) Only 1 and 2 (2) Only 2, 3 and 4 (3) All except 5 (4) Only 2. (5) Only 3 

Q.6. Which of the following is NOT TRUE in context of the passage ?

(1) Shortage of coal is the only result of misgovernance of our natural resources.

(2) Reducing T & D losses from 32 % to nearly 10 % global average can help in solving the problem of power crisis in India.

(3) The VIP precinct of Lutyens’ Delhi never suffers power outages.

(4) Tatas along with Reliance supply power to Delhi.

(5) All of the above

Q.7-8. Choose the word most SIMILAR in meaning to the word printed in bold, as used in the passage.

Q.7. Endemic

(1) Dangerous (2) deadly (3) prevalent (4) contagious (5) native 

Q.8. Theft 

(1) Blackmail (2) stealing (3) benevolence (4) supply (5) deficiency

Q.9-10.Choose the word most nearly the opposite in meaning to the word printed in bold, as used in the passage.

Q.9. Delivering 

(1) Retaining (2) distributing (3) producing (4) bearing (5) maintaining

Q.10. Pioneered

(1) Admitted (2) mismanaged (3) entered (4) introduced (5) wasted


Q.1.(2) Q.2.(3) Q.3.(5) Q.4.(4) Q.5.(2) Q.6.(1) Q.7.(3) Q.8.(2) Q.9.(1) Q.10.(2)


Bankers Guru
United India Insurance Company Limited has notified that the recruitment of Assistant Examination schedule to be held on 30/08/2015 at Imphal Centre is shifted to Kohima.

Vocabulary - 28.08.2015

Bankers Guru

1. CONDESCENSION (NOUN): disdain, superiority

Synonyms: civility, haughtiness 

Antonyms: humility, inferiority 

Example Sentence:

They take on a protective stance in public, and they exude insecurity in their condescension.

2. EDDY (NOUN): current

Synonyms: whirlpool, tide 

Example Sentence:

Every man swam towards a place where a small point of land caused a sort of eddy and 

checked the force of the undertow.

3. LEAVEN (VERB): ferment

Synonyms: lighten, raise Antonyms: darken, depress

Example Sentence:

“So you give the right information” but leaven it with laughs.

4. LOLL (VERB): lay sprawled

Synonyms: laze, loiter Antonyms: straighten, energize

Example Sentence:

They sing, they loll, they talk of Paris, and above all they drink.

5. TALON (NOUN): claw

Synonyms: hook, nail 

Example Sentence:

He had been sent by talon to investigate the copper mines of Lake Superior.

6. JOCKEY (VERB): maneuver

Synonyms: handle, guide Antonyms: mislead, mismanage

Example Sentence:

He had no appetite to jockey for power with those running the communications team in Mumbai.

7. CAULK (VERB): secure, usually with a length of material

Synonyms: block, barricade Antonyms: free, loosen

Example Sentence:

It only remained to caulk our upper works, and this occupied us but a day or two longer.

8. CONGRUENT (ADJECTIVE): agreeable, harmonious 

Synonyms: conforming, concurring Antonyms: unharmonious, disagreeable

Example Sentence:

The first step is the establishment of the exact equality of congruence of two geometrical figures. 

9. DISSEMBLE (VERB): disguise, pretend

Synonyms: falsify, feign Antonyms: unmask, disclose

Example Sentence:

Instead of too big to fail, they embrace the unfettered right to cheat and dissemble.

10. DOTE (VERB): show excessive fondness

Synonyms: cherish, fawn Antonyms: ignore, offend

Example Sentence:

You must know that I dote upon that girl, and that consequently I am interested in you.

GIC Re Assistant Manager Interview Result Declared

Bankers Guru
General Insurance Coporation of India has released the list of provisionally selected Candidates for recruitment of Assistant Manager (Scale-I). The provisionally selected Candidates are required to report for medical examination on 31st August, 2015 and six week induction training will be commenced from 1st September, 2015 at Mumbai.

The online examination, group discussions and interviews held in the month of July/August, 2015.

Results of Interviews for the Post of Assistant Managers. New


Bankers Guru
THE ORIENTAL INSURANCE COMPANY LTD has been decided to re-schedule the online examination on 30-08-2015 at Kohima and Guwahti for the post of Assistant 2014-15.

Re-Scheduling Recruitment Online Examination for the post of Assistant 2014-15


English For PO/CLERK : 27.08.2015

Bankers Guru
Q.1-10. In the following passage there are blanks each of which has been numbered these numbers are printed below the passage and against each five words have been suggested, one of which fits the blanks appropriately. Find out the appropriate word in each case. 

After leaving behind a (136) of 595 wildlife deaths in Kaziranga National Park in Assam, the (137) flood waters of Brahmaputra have put the forest department on (138) against poachers. 

The rising waters of the river reaching a height of 76.46 metres (139) as many as 152 anti-poaching camps in the Park of which 16 had to be abandoned. 

Rescue operations are being (140) to bring back the animals (141) in various elevated locations including the adjoining Karbi Anglong area. 

“Poachers become active (142)and immediately after the floods. “They largely target rhinos that stray into fringe areas for shelter. The Park management has (143) 10 additional anti-poaching camps with (144) effect to (145) the rhinos that have moved to the fringes of Kaziranga and neighbouring Karbi Anglong.” 

Q.1. (1) footprints (2) trail (3) impression (4) retreat (5) stroll 

Q.2. (1) receding (2) fallen (3) advance (4) shrinking (5) prolonging 

Q.3. (1) worried (2) waved (3) alert (4) danger (5) inept 

Q.4. (1) mutilate (2) uproot (3) developed (4) damaged (5) elevated 

Q.5. (1) undertaken (2) plan (3) execute (4) design (5) operate 

Q.6. (1) assisted (2) stranded (3) hid (4) tied (5) dead 

Q.7. (1) while (2) when (3) at (4) on (5) during 

Q.8. (1) set off (2) construct (3) build (4) set up (5) reorganize 

Q.9. (1) latest (2) immediate (3) sooner (4) urgently (5) possible 

Q.10. (1) strand (2) inhabit (3) leave (4) protect (5) insures


Q.1.(2) Q.2.(1) Q.3.(3) Q.4.(4) Q.5.(1) Q.6.(2) Q.7.(5) Q.8.(4) Q.9.(2) Q.10.(4)       

Computer Knowledge : 27.08.2015

Bankers Guru

Computer Knowledge 

Q.1. Directory within directory is called

(1) Mini Directory

(2) Junior Directory

(3) Part Directory

(4) Sub Directory

(5) None of these

Q.2. Compiler converts high level language to _____

(1) Machine language (2) Algorithm (3) Debugged program (4) Java (5) None of these

Q.3. When you turn on the computer system, boot routine perform this test.

(1) RAM test (2) Disk Drive test (3) Memory test (4) Power on Self Test (5) None of these

Q.4. Secret code, which stops some programs, it is known as ...........

(1) Password (2) Passport (3) Entry code (4) Access code (5) None of these

Q.5. —————— is a program which make use of computer easy:

(1) Utility (2) Application (3) Operating system (4) Network (5) None of these

Q.6. Saved Document is called-

(1) File (2) Word (3) Folder (4) Project (5) None of these

Q.7. When two or more than tow programs processed by multiple processor then it is called -------.

(1) Multiprogramming (2) Multitasking (3) Time sharing (4) Multiprocessing (5) None of these

Q.8. In MS word, to search a particular word/phrase in an easy way, we use-

(1) Replace (2) Find (3) Lookup (4) Search (5) None of these

Q.9. Software, such as viruses, worms and trojan horses, that has a malicious intent is known as: 

(1) Spyware (2) Adware (3) Spam (4) Malware (5) None of these

Q.10. DDL stands for ...............

(1) Data Digital Language (2) Date Definition Language (3) Digital Date Logic

(4) Data Define Logic (5) None of these


Q.1.(4) Q.2.(1) Q.3.(2) Q.4.(1) Q.5.(1) Q.6.(1) Q.7.(4) Q.8.(2) Q.9.(4) Q.10.(2) 

Vocabulary Words - 27.08.2015

Bankers Guru

1. PRUDISH (ADJECTIVE): shy and strict in behavior

Synonyms: fastidious, narrow minded

Antonyms: extroverted, outgoing 

Example Sentence:

Conservative women who dare to run for office are simultaneously attacked as sleazy and prudish.

2. STIPPLE (VERB): dapple

Synonyms: carve, paint 

Example Sentence:

The stipple manner of engraving was a curious development of the art.

3. DEIGN (VERB): lower oneself

Synonyms: condescend, consent Antonyms: oppose, refuse

Example Sentence:

Should we be grateful for whatever music they deign to release and grade them on a curve because of it?

4. PRETERNATURAL (ADJECTIVE): unusual, abnormal

Synonyms: aberrant, extraordinary Antonyms: regular, normal

Example Sentence:

He presided over the preternatural creation of 30 million new jobs—and the sharpest rise in median incomes in a generation.

5. LEVEE (NOUN): embankment

Synonyms: dam, mound 

Example Sentence:

Only when government scientists determine there is a risk of flooding will the middle of the levee be put in place.

6. ABUT (VERB): touch or be next to something

Synonyms: adjoin, border on Antonyms: separate, divide

Example Sentence:

There is some debate about how this will affect clinics that abut sidewalks or public streets.

7. PARENTHESIS (NOUN): digression

Synonyms: aside, departure Antonyms: accord, agreement

Example Sentence:

The parenthesis in the description of this view has been spoken of.

8. TAMP (VERB): fill to overflowing; compress 

Synonyms: overcrowd, load Antonyms: abstain, diet

Example Sentence:

What will he do if the populist rage he refused to quell or failed to tamp town turns more sinister? 


Synonyms: immaterial, meagre Antonyms: significant, major

Example Sentence:

The administration enthusiastically traded winning the future for a picayune present gain.

10. VERITABLE (ADJECTIVE): authentic

Synonyms: actual, genuine Antonyms: fake, false

Example Sentence:

His speech was a veritable tirade against everyone who is not an immediate supporter.

Central Bank of India Specialist Officer Online Examination Call Letter Released

Bankers Guru
Central Bank of India has released the Call Letter for Online Examination of Specialist Officer. The Online Examination will be held on 04-09-2015.

Recruitment of Specialist Officers -
1. Credit Officers
2. Security Officers.


SBI PO 2015-2016: Tips For A Group Discussion and Interview

Bankers Guru

Dear Aspirants,

Its time to pull up socks as SBI - PO - 2015-16 GD & INTERVIEW is close at hand. Here Mahendra's is providing Tips for Group Discussion & Interview (GD & I) of SBI - PO - 2015-16. GD & Interview will be conduct on 3rd Week of September 2015.

Tips for GD

  • This is a platform for the candidates to interact and debate with one another in front of the panel of members who hen evaluate their performances. Here the ability to be a team-man is analyzed. Your analytical skills and descriptive style are also evaluated .
  • Enhance your debate skills. Work on your language and style of presenting it. Prove your point without getting aggressive or using foul language.
  • Pitch your voice according to the discussion taking place in the GD. It might be a health discussion rather than a debate and so you must keep in with the sink.
  • Wear proper formal attire. GD is as important as the PI and thus you must look presentable.
  • Follow the instructions or rules, as the case may be, that are told by the panel members at the beginning of the session.  They evaluate the candidate's performance based on his adherence to the rules and guidelines.
  • Do not panic if no new points come to your mind. Relax. A calm and composed mind helps you think clearer and better. If you have nothing new to say, do not repeat the old points like a stuck gramophone record.
  • Be punctual. It is also very necessary to limit yourself to a few minutes while speaking on a topic. Do not go unimportant details and bore the other candidates and panel members.

Tips for Interview

  • Personal interview takes place individually for all the candidates. They gauge your General Awareness, confidence level through the PI.
  • Be confident in yourself. Take long deep breaths before entering the PI hall and try to relax.
  • Keep updated. Most of the questions that the panel members ask are from the latest happenings of the world, especially in the banking sector.
  • Start reading newspapers. Go thoroughly through the latest government policies, budget, RBI guidelines and policies.  
  • If you do not know the answer to a question, pass it straight away. Do not try to fool the panel members by beating around the bush and wasting time. It will do you more harm than good.
  • Carry a copy of your resume and  make sure you remember eveything you have mentioned in it. Be prepared for questions pertaining to the hows and whys of your basic qualifications, what made you enter the banking sector etc.
  • Do not  rush while speaking. Speak in a calm and composed manner so that you may not utter something inappropriate which you may regret later. Also remember to speak in a polite and respectful manner.
  • Punctuality and presentation make a huge difference. Arrive on time and be dressed in formals.

Computer Knowledge : 26.08.2015

Bankers Guru
Computer Knowledge 

Q.1. Booting is -

(1) process to ready for office

(2) wearing boot

(3) shuting down the computer

(4) starting process of computer which loads operating system from secondary memory to primary memory.

(5) None of these

Q.2. The files which deleted in Windows O.S., goes in --------.

(1) Recycle bin (2) Task bar (3) Start menu (4) Network Neighbourhood (5) None of these

Q.3. To shutdown the computer-

(1) we off the power supply (2) we use shut down dialouge box (3) Computer never off (4) we use log off (5) None of these

Q.4. In windows, the text or materials which are cut or copied is placed in.................

(1) clip board (2) character map (3) format painter (4) Notepad (5) None of these

Q.5. ………….. menu is used for print command.

(1) edit (2) file (3) insert (4) tools (5) None of these

Q.6. User gives names to documents which are called ____.

(1) file name (2) user name (3) data (4) All of the above (5) None of these

Q.7. File extension is used for————-.

(1) to give name to file (2) to know the type of file (3) to know the file (4) All of the above (5) None of these

Q.8. MS Word, file extension is ——. 

(1) DOC (2) TXT (3) WRD (4) PPT (5) XLS

Q.9. File extension of MS excel is---------.

(1) DOC (2) TXT (3) WRD (4) PPT (5) None of these

Q.10. The primary goal of software is to convert data into____.

(1) website (2) information (3) program (4) object (5) None of these

Answer Key

Q.1.(4) Q.2.(1) Q.3.(2) Q.4.(1) Q.5.(2) Q.6.(1) Q.7.(2) Q.8.(1) Q.9.(5) Q.10.(2)

Union Budget 2015-16: Highlights & Key Announcements For IBPS Exam

Bankers Guru
Union Budget 2015-16 presented by Finance Minister Mr. Arun Jaitley in the Parliament. We are bringing you the highlights and key announcements of Budget 2015-16.

Union Budget 2015-16: Highlights & Key Announcements

  • ·The objective of this Budget is to improve quality of life and to pass benefits to common man.
  • ·Indian Govt has 3 major achievements: Jan Dhan Yojana, Coal Auction and Swacch Bharat programme
  • Incremental change is not going to take us anywhere, will need to think in terms of quantum jump
  • Under Swacch Bharat Yojana, 50 lakh toilet already built, 6 crore toilet targeted
  • Government will encourage new start ups and entrepreneurship
  • Government is still firm on achieving fiscal deficit target of 3 % of GDP eventually
  • Real GDP expected to accelerate to 7.4%
  • Current FOREX reserves $340 bn, Second best stock market in Asian economy
  • Govt will utilize vast postal network for increasing access to institutional banking
  • Roadmap to achieve Fiscal deficit of 3% of GDP in three years: Target is 3.9% in 2015-16, 3.5% in 2016-17, 3% in 2017-18.
  • National Insurance scheme called PM Suraksha Bhima Yojana, offering coverage of 2 lakh rupees for just premium of Rs.12 per year. 
  • Rs. 5300 crore allocated for micro irrigation
  • Target of 8.5 lakh crores credit to be given to farmers in 2015-16
  • Target of 8.5 lakh crore of credit for agricultural sector
  • Unclaimed deposits of Rs 3,000 crore in PPF and Rs 6000 crore in EPF; to create senior citizens welfare fund from this corpus
  • Atal Pension Yojana to provide defined pension according to contribution ; 50% contribution to be from Govt.
  • Increased Budgetary allocation to Roads & Railways
  • 5 Ultra Mega power projects, of 4000 MW announced
  • Initial sum of Rs 150 Cr to create world class IT hub to take advantage of our competitiveness
  • Start-ups: mechanism for techno-financial incubation for start ups; govt sets aside Rs 1000 crore
  • National Infrastructure Fund will try to leverage Infrastructure companies ; Tax free bonds for Roads , Railways & irrigation
  • Renewable energy target will be increased to 1,75,000 MW
  • Highest ever allocation for MGNREGA, by increasing it this year by 5,000 crore rupees
  • Ports in public sector will be encouraged to corporatize & become companies under companies act
  • EPF & ESI has hostage rather than client ; ESI should be made optional to employees
  • GST will be put in place state of art internationally indirect tax system by April 1st 2016: FM
  • An addition of 1,000 crores for Nirbhaya Fund
  • Govt proposes to increase visa-on-arrival to 150 countries to increase tourism
  • Initial outlay of Rs 75 crore for development of electric vehicles
  • For better regulation a merger of FMC & SEBI is being currently worked out
  • National Skill Mission to be launched through skill development and entrepreneurship ministry, to develop employability of youth, especially below 25 years of age
  • Section 6 of FEMA to be amended
  • Committee to be set up to plan the celebration of the 100th birth anniversary of Deen Dayal Upadhyaya
  • Propose to set-up an IT based student financial aid system under PM Vidya Laxmi scheme
  • The new Pradhan Mantri Vidya Lakshmi Programme will ensure no student misses out on higher education opportunities due to lack of funds
  • Govt announces AIIMS institutions in J& K , Punjab , Himachal Pradesh and Assam.
  • ISM Dhanbad will be upgraded to full IIT
  • Government is pursuing policy of #MakeInIndia in defense not only to cater our needs but also for export
  • Defense budget has been enhanced to 2,46,727 crore rupees, an approx. increase of Rs. 25,000 crore
  • Unplanned expenditure for 2015-16 is estimated at 13 lakh 12 thousand and 200 crores
  • Budget Estimates of Expenditure: Rs. 17 .77 lakh crore of which Non Planned is Rs. 13.12 lakh crore and Plan is 4.65 lakh crores
  • Direct Tax collection is going to be 14.49 lakh crore rupees
  • Basic rate of Corporate Tax to be reduced from 30% to 25% in next 4 years and will be accompanied by reducing exemptions.
  • Exemptions to individual tax payers will remain
  • Non-filing of returns, or filing of returns with inadequate information may attract 10 year Jail term. Even concealment of income will be prosecutable with rigorous imprisonment
  • Government to enact a comprehensive law on black money stashed abroad
  • Benami property transaction bill will be introduced to tackle black money transaction in real estate soon
  • Quoting of PAN is mandatory for any purchase made more than Rs. 1 Lakh.
  • Defer the applicability of GAAR for 2 years ; will only apply prospectively after Apr 2017.
  • Reduced Royalty fees on Technical Services to 10% from 25%.
  • Wealth Tax Abolished, instead super rich will pay extra 2% extra surcharge for people with income over 1 Crore. This will lead to additional 9,000 cr to Tax kitty.
  • Custom duty on raw materials and intermediaries to be reduced
  • Excise duty on Leather footwear reduced to 6%
  • Fuel excise duty will remain unchanged; change in tobacco excise duty.
  • Consolidated Service Tax increased from 12.36% to 14%!
  • Increased in deduction for Health insurance from Rs. 15000 to Rs. 25000. For senior citizens increased to 30,000.
  • Additional deduction of Rs 50,000 for contribution to pension fund and new pension scheme
  • Tax exemption for transport allowance increased from Rs 800 to Rs 1600 per month.
  • Individual tax payer will benefit to the extent Rs.4,44,200/- from the exemptions announced
  • Direct tax proposals will lead to 8315 cr loss and an increase of Rs. 23,000 cr in indirect tax gains.
आम बजट 2015-16 की मुख्य विशेषताएं 

1. पिछले नौ माह में भारतीय अर्थव्यवस्था की साख बढी.
2. भारतीय अर्थव्यवस्था तीव्र विकास के पथ पर.
3. कमजोर वैश्विक आर्थिक वृद्धि के बावजूद भारतीय अर्थव्यवस्था के अधिकांश विकास संकेतक उन्नति के मार्ग पर.
4. भारतीय अर्थव्यवस्था के विकास में आर्थिक रूप से सशक्त राज्यों की समान रूप से सहभागिता.
5. शेयर बाजार में 2014 में दूसरा सर्वश्रेष्ठ प्रदर्शन.
6. दीर्घकालिक गरीबी उन्मूलन, रोजगार सृजन और दोहरे अंकों की विश्वसनीय आर्थिक विकास दर हासिल की गई.
7. विभिन्न क्षेत्रों में बेहतर सेवा के माध्यम से सरकार ने जनता का विश्वास हासिल किया.
8. वित्तीय समायोजन - सौ दिनों के भीतर 12.5 करोड परिवारों को वित्तीय मुख्य धारा में शामिल गया.
9. राज्यों के संसाधनों में वृद्धि के लिए पारदर्शी कोयला ब्लॉक नीलामी.
10. स्वच्छ भारत अभियान न सिर्फ स्वास्थ्य और स्वच्छता में सुधार का एक कार्यक्रम है बल्कि यह भारत के पुनर्निमाण आंदोलन का रूप ले चुका है.
11. व्यापक सुधारों का शुभारंभ - माल और सेवाकर जीएसटी मुद्रा स्फीति में महत्वपूर्ण गिरावट दर्ज की गई.
12. वर्ष के अंत तक 5 प्रतिशत खुदरा मुद्रस्फीति, मौद्रिक नीति को सरल बनाया.
13. मुद्रास्फीति को 6 प्रतिशत से कम रखने की दृष्टि से भारतीय रिजर्व के साथ मौद्रिक नीति प्रारुप समझैता.
14. वर्ष 2022 में स्वतंत्रता की 75वीं वर्षगांठ अमृत महोत्सव, प्रधानमंत्री के नेतृत्व में टीम इंडिया हेतु दृष्टिकोण.
15. सभी के लिए आवास- शहरी क्षेत्रों में 2 करोड और ग्रामीण क्षेत्रों में 4 करोड आवास.
16. 24 घंटे बिजली, स्वच्छ पेयजल, एक शौचालय सडक संपर्क की मूलभूत सुविधा.
17. केवल 12 रुपये प्रतिवर्ष के प्रीमियम पर 2 लाख रुपये के दुर्घटना जन्य मृत्यु जोखिम को कवर करने के लिए प्रधानमंत्री सुरक्षा बीमा योजना.
18. पी पी एफ में लगभग 3 हजार करोड रुपये कर्मचारी भविष्यनिधि की संचित राशि में अनुमानत: 6 हजार करोड रुपये की अदावाकृत जमा राशि.
19. सडकों और रेल मार्गो के लिए परिव्यय में तीव्र वृद्धि.
20. 20,000 करोड रुपये के वार्षिक प्रवाह से राष्ट्रीय निवेश और अवसंरचना निधि की स्थापना की जाएगी.
21. प्लग और प्ले मोड में 4000-4000 मेगावाट क्षमता वाली 5 नयी अल्ट्रा मेगा विद्युत परियोजनाएं.
22. सोना खरीदने के लिए विकल्प के तौर पर सरकारी स्वर्ण बाण्ड स्कीम बनाना.
23. भारतीय सोने के सिक्के बनाने की दिशा में कार्य करना, जिसके अग्र भाग में अशोक चक्र होगा.
24. निर्भया निधि के लिए 1000 करोड रुपये.
25. आगमन पर वीजा सुविधा का विस्तार चरणबद्ध तरीके से 150 देशों तक करना.
26. नवीकरणीय ऊर्जा क्षमता को 2022 तक बढाकर 1,75,000 मेगावाट तक करने का लक्ष्य.
27. आंध्र प्रदेश की तरह बिहार और पश्चिम बंगाल में विशेष सहायता उपलब्ध कराई.
28. जम्मू-कश्मीर, पंजाब, तमिलनाडु, हिमाचल प्रदेश और असम में नये एम्स की स्थापना, बिहार में एम्स जैसे दूसरे संस्थान की स्थापना.
29. वित्त वर्ष हेतु आयोजा भिन्न व्यय 13,12,200 करोड रुपये अनुमानित.
30. आयोजना व्यय 4,65,277 करोड रुपये अनुमानित है.
31. कुल व्यय 17,77,477 करोड रुपये अनुमानित है. 
32. रक्षा, आंतरिक सुरक्षा व्यय और अन्य आवश्यक व्यय की आवश्कता की पर्याप्त पूर्ति का प्रावधान किया गया.
33. सकल कर प्राप्तियां 14,49,490 करोड रुपये अनुमानित है.
34. राज्यों को अंतरण 5,23,958 करोड रुपये अनुमानित है.
35. केंद्र सरकार का हिस्सा 9,19,842 करोड रुपये होगा.
36. आगामी वित्त वर्ष के लिए कर-भिन्न राजस्व 2,21,733 करोड रुपये अनुमानित है.
37. अगले वित्त वर्ष से चार वर्षो में कारपोरेट कर को 30 प्रतिशत से घटाकर 25 प्रतिशत करने का प्रस्ताव.
38. बचत सुगम बनाने के लिए करदाता को व्यक्तिगत छूट जारी करेगी.
39. काले धन के सृजन और उसे छिपाने के कृत्य से प्रभावी और कठोरतापूर्वक निपटा जाएगा.
40. इस मामले में स्विस अधिकारियों के साथ बातचीत के सकारात्मक परिणाम भी सामने आए है.
41. काले धन पर महत्वपूर्ण नये कानून.
42. देश में विनिर्माण इकाईयों का विकास और निवेश तथा संवर्द्धन उपलब्ध कराना ताकि उनमें रोजगार सृजन हो सके.
43. एंबुलेंस के चेसिस पर उत्पाद शुल्क को 24 प्रतिशत से घटाकर 12.5 प्रतिशत किया गया.
44. कर प्रक्रियाओं का सरलीकरण.
45. वार्षिक रूप से एक करोड से अधिक कर योग्य आय वाले लोगों पर 2 प्रतिशत का अतिरिक्त अधिभार.
46. घरेलू अंतरण मूल्य निर्धारण की प्रारंभिक सीमा पांच करोड रुपए से बढाकर 20 करोड रुपए की गई.
47. नशीले पदार्थो के दुरुपयोग के नियंत्रण के लिए राष्ट्रीय निधि में किया गया अनुदान आयकर अधिनियम की धारा 80जी के अंतर्गत 100 प्रतिशत छूट.
48. स्वच्छ भारत कोष और स्वच्छ गंगा निधि में सीएसआर में अंशदानों के लिए 100 प्रतिशत की कर छूट.
49. स्वच्छ पर्यावरण पहलों के लिए वित्त पोषण के लिए कोयला आदि पर स्वच्छ उर्जा उप कर को 100 रुपये से बढाकर 200 रुपये प्रति मीट्रिक टन किया गया.
50. विद्युत चालित वाहनों और हाई ब्रिड वाहनों पर लागू रियायती सीमा शुल्क और उत्पाद शुल्क की समय सीमा 31 मार्च 2016 तक बढाई गई.
51. स्वास्थ्य बीमा प्रीमियम की छूट सीमा को 15 हजार रुपये से 25 हजार रुपये तक, जबकि वरिष्ठ नागरिकों के लिए 20,000 से 30,000 हजार रुपये तक किया गया.
52. 80 वर्ष से अधिक की आयु वाले वरिष्ठ नागरिक जो स्वास्थ्य बीमा में कवर नहीं है, उन्हें चिकित्सीय व्यय के लिए 30 हजार रुपये की कटौती की अनुमति दी गई.
53. विकलांग व्यक्तियों के लिए 25 हजार रुपये की अतिरिक्त कटौती. पेंशन निधि और नयी पेंशन स्कीम में अंशदान के लिए 50 हजार रुपये की अतिरिक्त छूट.
54. कृषि उत्पाद की ढुलाई में सेवाकर से छूट जारी रहेगी. 
55. कृत्रिम ह्रदय को 5 प्रतिशत के बुनियादी सीमा शुल्क और सी वी डी से छूट.
56. प्रति बूंद जल से अधिक फसल प्राप्त करने हेतु प्रधानमंत्री ग्राम सिंचाई योजना.
57. वर्ष 2015-16 के लिए 8.5 लाख करोड रुपये का कृषि ऋण लक्ष्य.
58. ऋण देने में अंतरजातीय और अंतर जन जातीय उद्यमों को वरीयता.
59. गांवों में फैले 1,54,000 उपस्थित केंद्रों वाले डाक नेटवर्क का सामान्य वित्तीय प्रणाली तक लोगों की पहुंच बढाने के लिए प्रयोग किया जाएगा.
60. आजीविका के लिए परिवार के कम से कम एक सदस्य को रोजगार.
61. गरीबी उन्मूलन पर ध्यान केंद्रीत करने का लक्ष्य.
62. मेक इन इंडिया और स्किल इंडिया जैसे महत्वपूर्ण कार्यक्रमों से भारत को विश्व के विनिर्माण केंद्र में परिवर्तित करना.
63. युवाओं को रोजगार सृजन बनाने के लिए उद्यमिता की भावना का प्रोत्साहन और विकास.
64. पूर्व और पूर्वोत्तर क्षेत्रों का देश के अन्य भागों की तरह ही विकास करना.
65. सरकार सकल घरेलू उत्पाद की तीन प्रतिशत की दर पर राजकोषीय घाटा लक्ष्य हासिल करने के लिए कृतसंकल्प है.
66. लाभार्थियों की संख्या एक करोड से बढाकर 10.3 करोड के लिए प्रत्यक्ष लाभ अंतरण का विस्तार.
67. कृषि उत्पादन हेतु दो महत्वपूर्ण निर्णायक कारकों मृदा और जल से निपटने के लिए महत्वपूर्ण कदम उठाए गए.
68. परंपरागत कृषि विकास योजना को पूरी तरह से सहायता प्रदान की जाएगी.

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Vocabulary Words - 26.08.2015

Bankers Guru
1. DESCRY (VERB): discover

Synonyms: detect, observe 

Antonyms: ignore, overlook 

Example Sentence:

Tristram thought this odd, for it was impossible at that distance to descry the features of the riders.

2. SCOTCH (VERB): to prevent 

Synonyms: stop, disable Antonyms: encourage

Example Sentence:

Molly held out her hand and passed muster allowing this new person to scotch down 

and pat him.

3. STRUT (VERB): walk pompously

Synonyms: prance, stalk Antonyms: conceal, hide

Example Sentence:

The kids hold what they call a “ramp walk,” a mock fashion show where we all dress up and strut on a makeshift stage.

4. USURY (NOUN): lending money at a high interest rate

Synonyms: exploitation, stealing 

Example Sentence:

Biblical and Islamic bans on "usury" (lending money at interest) strike most modern people as pretty silly.

5. FILIBUSTER (NOUN): obstruction of progress, especially in verbal argument

Synonyms: hindrance, delay Antonyms: expedition, impetus

Example Sentence:

I was so proud of him, to see him in that 21-hour filibuster, that gave me great hope.

6. STAUNCH (ADJECTIVE): resolute, dependable

Synonyms: ardent, reliable Antonyms: disloyal, untrustworthy

Example Sentence:

He returns repeatedly, for instance, to the debate between religious believers and staunch atheists.

7. TRAVESTY (NOUN): spoof, ridicule

Synonyms: exaggeration, distortion Antonyms: solemnity, seriousness

Example Sentence:

The Republican primary race is not chaos, or a clown show, or a travesty of the political process.

8. MUSE (VERB): think about, dream 

Synonyms: consider, meditate Antonyms: disbelieve, disregard

Example Sentence:

Readers are invited to muse about the parenting style of members of their most-disliked political groups. 

9. SULLY (VERB): soil, stain

Synonyms: corrupt, debase Antonyms: esteem, honor

Example Sentence:

I would not sully her reputation with that piece of gossip.

10. SQUALID (ADJECTIVE): poor, run-down

Synonyms: filthy, ramshackle Antonyms: pure, sterile

Example Sentence:

One family barricades itself inside a squalid apartment hoping to ride it out.

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