[Study Plan] for LIC AAO 2016 - 13 steps to Life Insurance Company Administrative Officer

LIC AAO will be conducted on 5th, 6th and 13th March 2016. This means you have very less time to prepare and ace the exam. 
  1. Click here to see previous year paper
  2. From the paper above, identify which kind of questions are asked and what topics are covered. Only focus on those topics for your preparation.

LIC AAO 2016 Exam Date

LIC AAO will be conducted on 5th, 6th and 13th March 2016. This means you have 3 months to prepare and ace the exam.

10 Tips to crack IBPS Interview with toppers Interview experience

ECGC Functions and Activities, Products - Offices Locations, Salary etc.

The Export Credit Guarantee Corporation of India has been set up by the national Government of India and give banks and exporters in the country diverse export credit insurance plans.

EXIM Bank Function and its Activities - Export Import Bank of India - भारतीय निर्यात आयात बैंक

How to Study for IBPS Clerk Exam?

Preparation Tips for IBPS Clerk Mains

You have 15 days left for IBPS Clerk Mains. The best strategy will utilize these 15 days with 100% efficiency. This means studying atleast 8-10 hours a day.
Reasoning, Quantitative Aptitude and English sections require daily practice. Divide 5-6 hours equally between them. i.e. 2 hours each for the BIG 3.
Now you have GA and CK left. Devote 30-40 mins to CK and 1.5 hours to GA.
Prepare the following topics from each section:
Data Sufficiency
Sitting Arrangement
Coded Inequalities
Quantitative Aptitude
Number Series
Data Interpretation(Pie-Chart, Table)
Arithmetic (Profit Loss, Time & work, Percentage, Age, etc)
Reading Comprehensions
Cloze test
Error Spotting
Fill in the blanks
Computer Knowledge: No exact topics. Read about history of computers, languages and important people in computers. Do a lot of practice. Solve as many questions as you can.
General Awareness:
Current Affairs
Banking Awareness
Static GA
Click here to read how to crack General Awareness section of IBPS Clerk Mains.
Make it a habit to solve 30-40 questions from each section everyday.
While you are solving the above set of questions. Do not worry about time limit. Instead focus on getting the concepts right.
The whole idea of solving questions is to improve your conceptual knowledge and increase your accuracy.
Only after your concepts are crystal clear and accuracy 90%+, think about the shortest way to solve particular kind of questions.
For GA preparation read newspapers daily. Try and cover news from last 3 months. This would be sufficient to cover current affairs and banking awareness. Do not worry about static.
Improve your reading speed. Click here to start speed reading
Starting from the third day, give one full length mock daily(200 marks, 2 hours duration). This will help you to constantly monitor your performance and see the improvements. It will also help you identify chinks in your Armour. Like, are you taking too much time to solve DI, or you get confused while solving puzzles of Reasoning.
Mocks also help you improve upon your accuracy and validates your preparation filling you up with the much needed confidence.
Click here to enroll for IBPS Clerk Mains Mock tests starting @Rs 149 only.
Exercise for 30 mins daily. You can use 7 Minute Workout App to do exercise.
After every 45 minutes of your study, take a 5 minute break. Do not watch TV or do something which distracts you. Just stand up, walk, eat something and get back to studying. There is no time to waste. But yes resting is important too.
Get 7-8 hours of sleep daily. It will help you improve memory retention and also keep you fresh and brimming with energy.
Do not talk to people who have negative thoughts. Meditate, do your prayers or listen to peaceful music in your free time.

APFC in EPFO 2016 Complete Solved Question Paper Previous Year

APFC in EPFO 2016 Previous Year Cut Off Marks + Highest Marks

Expected Cutoff for APFC in EPFO 2016:
Please refer the following table for expected cutoffs for APFC in EPFO, UPSC Exam Online 2016:
CategoryUROBCSCSTPH(Ortho)PH (Hearing)
Cutoff Marks62-6559-6255-5852-5449-5245-47

APFC EPFO 2016 Duties:

Syllabus: APFC in EPFO, UPSC Online Exam 2016 + Eligiblity + Total Vacancies

APFC in EPFO, 2016 Vacancies

Total Vacancies: 170 (GEN 78 SC-24, ST-14, OBC-54 )

Syllabus for APFC in EPFO, UPSC Exam Online 2016:

Pattern + Exam Date for APFC in EPFO, UPSC Online Exam 2016

50 Common Bank interview Questions with solutions- part5 FDI-FII-GDP-IPO-GNP-Inflation-Deflation-Revenue Deficit- Banking Ombudsman

As you reach this post I must say you are read out previous 40 questions for Bank interview basic questions which every bank candidates must know it. you must reach via old post and where we give questions and desired answers regarding banking knowledge questions with solutions. Part 1 to part 6 each part contains 10 questions so total 60 questions you must o through each once before your interview. Start from the starting read these top 10 questions for Bank interview.

For respective questions with solutions 1-10 , 11-20, 21-30, 31-40, 41-50 and 51-60 go through respect link. 

41. What is the Banking Ombudsman Scheme?
The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered by banks.

Senior official appointed by the RBI to redress customer complaints against deficiency in certain banking services is, the Banking Ombudsman.

40 Common Bank Interview Questions with solutions Basic - Part 4 LAF-Repo-CRR-SLR-Deposite-Fiscal-Bicoin-Bank-PLR

For respective questions with solutions 1-10 , 11-2021-3031-4041-50 and 51-60 go through respect link.

31. What is LAF?

Liquidity Adjustment Facility (LAF) was introduced by RBI.
To ensure a smooth transition and keeping pace with technological up gradation.

32.  What is a Repo Rate?
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

30 Basis Important Bank Interview Questions with Common Solutions - Part 3 RBI-SIDBI-TBill-CP-CRM-RTI-Derivative-Recession

For respective questions with solutions 1-10 , 11-2021-3031-4041-50 and 51-60 go through respect link.

21. What is the Functions of RBI?

The Reserve Bank of India is the central bank of India, was established on April 1, 1935, in accordance with the provisions of the Reserve Bank of India Act, 1934. The Reserve Bank of India was set up on the recommendations of the Hilton Young Commission. The commission submitted its report in the year 1926 though the bank was not set up for nine years.To regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary stability in India and
generally to operate the currency and credit system of the country to its advantage." Banker to the Government: performs merchant banking function for the central and the state governments; also acts as their banker.Banker to banks: maintains banking accounts of all scheduled banks. 29 What is a monetary policy?
A Monetary policy is a process by which the government, central bank, of a country controls
(i) the supply of money,
(ii) availability of money, and
(iii) the cost of money or rate of interest, in order to attain a set of objectives oriented towards the growth and stability of the economy.

22. What is SEZ?

20 Important Common Bank Interview Questions with Solution - part 2 SWIFT-SBY-Account-Demat-Rupay-NPA-Bank-type-forex

As for Bank Interview Questions you must read this stating basic 10 questions for your interview.
In the last post for Bank Interview we covered solutions for following questions  

60 Basic Common Bank Interview Questions with solutions Important - part6 NABARD-SEBI-INDEX-Mutual Fund-National Income

For respective questions with solutions 1-10 , 11-2021-3031-4041-50 and 51-60 go through respect link.

51. What is Disinvestment?

The Selling of the government stake in public sector undertakings.

52. What is Fiscal Deficit?

It is the difference between the government’s total receipts (excluding borrowings) and total expenditure.

Top 10 Important Bank interview Question with Solutions - Part 1 - IBPS PO/Clerk/RBI/SDIBI/RRB

Under this basic important questions for bank interview questions with solutions series, we are going to post 6 parts. In each post, we will share 10 questions at the end you will have total 60 bank interview questions and answers for your IBPS bank interview.

These are a compilation from the all over an internet, bank experts and selected bank interview candidates. we tried to collaborate all the information you required before your Bank Interview in each post. If, you find some error or missing point please let us know.

1. Why do you want to join banking sector? (Most Important Question in a Bank Interview)

Banking is one of the fastest growing sectors in India with more stable and high growth and more
over providing a wide range of career opportunities for graduates.
So I want to take an opportunity to join in a bank.

If you have any other specific reason you must convey that.

2. What is the difference between Cheque and Demand Draft?

[Result] RBI phase - | grade b officer released - 1:10 candidate selected.

Individual Mark Sheet & category-wise cut off for RBI Grade B Officer Phase-I examination will be displayed in an interactive manner on the RBI website result 2015 within a fortnight.

Role of the RBI - "To regulate the issue of Bank notes and the keeping of reserves with a view to securing monetary stability in India and generally to operate the currency and credit system of the country to its advantage”

Check your roll number here from the list.

top 10 IBPS interview questions with solutions

 Communicating in an interview should be easy as we love to talk about ourselves. However, nervousness gets in the way. You can help yourself to overcome your nervousness by practising your answers to likely questions in a mock interview with a friend.
If you know just what to say, how to sit , you will feel confident.

An interview is your opportunity to talk about yourself.

Try to concentrate on what you are being asked, rather than on how nervous or uncertain you feel.

If you don't understand the question ask interviewer to rephrase it. This is the  better option than talking off the point.

In bank po interview certain questions are guaranteed to come up.
Practice answering these questions so that you will appear confident and in control when you are faced with them during an interview.

Why do you want this bank po officer job?
This is where you will stress the area where you think you provide a match for the job. Talk about your skills which suits the job rather than what the job is going to give you.

Why do you want to work for bank?
Do your research so that you can talk about the organization dynamics, reputation, management style and good record.

What qualities do you think the job of bank officer requires?in
Draw attention to your strength s by listing the skills you can bring to the job.

What can you contribute to bank?
Give a example of something that shows how good you are, and say how the organization could benefit from this talent.

What are your weak points?
This is difficult question but you should never answer that you have none. Think about a weakness that you have overdone and turn the question around to show that you have a self awareness, capacity and will to improve it.

No matter how casual the organization, your appearance will be scrutinized. Dress appropriately and show that you have made an effort.

Who is Bank PO? What is Salary and job profile of Bank PO?

Job Profile of Bank PO ( Job profile of Probationary Officer )

Probationary Officer (PO) is one post that is regularly advertised for bank recruitments, but many candidates who are new to banking exams don't seem to know the work involved or the exact meaning of PO.One of our readers had also asked a question regarding the job profile of PO in banks.

Hence, we felt it would be better to analyze the job profile in detail, enabling freshers to understand the position better before applying for upcoming bank exams.

So what is the regular work of a PO in banks? Read below to find out:

Why is it called PO?
A person who is newly recruited as an officer will be under probation period for at least 2 years.During this phase, he/ she undergoes training & performs the allotted work.

Since candidates join the bank at a junior level, they are being called Probationary Officer (PO) but the actual designation could be assistant manager.

Graduates fresh out of college & those without any experience in banking field who wish for a career in govt. banks have to either join as Clerk or PO (scale I) only.

Job Profile of Bank PO
While on job, here are some of the important responsibilities of probationary officer in banks.

Service Customers: All banks rely on customers for their business.So servicing the customer is the foremost necessity for an officer by giving them the information they asked.

In many branches, the junior officer (PO) will be asked to look into customers coming for opening new accounts, ATM cards, deposits, receipts, loans, cheque books etc.,

Bring New Business: Since you are dealing with customers directly, it is naturally expected of you to promote various products of the bank & its partners to them.It may include fixed deposits, insurance policies, mutual funds, credit cards etc.,

You may be required to travel to their place if required as public sector banks don't employ marketing/ sales executives separately.

Although there wont be any pressure on you to sell these stuff initially, you will have targets & deadlines for each as months pass.

Handle Cash: Cash disbursal & collection from cashiers are normally done through the counters manned by clerks.

Incase of heavy crowding, a parallel counter will be opened & you may be required to perform the clerical activities as well.Such a situation may arise if the cashier post is vacant or he/ she has gone on leave.

For this purpose, PO`s will also be trained on the transaction software too.Many officers have also reported of loading the ATM machines with cash every morning.So you would also need to keep track of the ATM activity, if the branch has one attached to it.

Payment Clearances: Although a clerk performs most cash transactions, some payments by way of cheque, DD, NEFT/ RTGS beyond a certain amount need to be authorized & cleared only by a person of officer cadre.

At times, the clerical may find some discrepancies related to a customer's account which would also be referred to a PO for further scrutiny.

Report Verification: With the introduction of core banking solutions, all the work done in a day should be properly closed to avoid any mismatch.While every employee has some day-end work, PO`s would be assigned to generate reports which may include the deposits, withdrawals, ledger balances etc.,

You would login to the system using your details, take prints of statement, manually verify each transaction & record the changes found.If you overlook any one entry, it will create a problem the next day with mails from regional or zonal officers.

Official Communication: Just like in any MNC or IT company, all employees receive numerous emails which could be related to new rules or schemes or products.A probationary officer may be asked to keep a track of these latest developments to improve their product knowledge as they will be interacting with customers more.

The manager could also ask you to send official replies or letters to other departments for want of information or provide them with required info.As you can see from the above functions, there is no specific job description for a probationary officer.

So PO`s are required to be well versed in all the branch activities because on promotion, they will be elevated to the cadre of 'Branch Manager'.

2016, RBI Grade B Officer phase 1 questions with solution GK+Quant+English+Reasoning

Try to relax properly before going to bed. This will help you relax your mind as well as let you absorb all the positive energy. Don't ever let any negative thought. post questions in comments for real and updated details as this was the online exam all questions are not available exactly how it came in the examination. But we tried our best to cover each and every detail of questions asked in the RBI Grade B phase 1 online examination and its desired solution.

Expected date of RBI Online Exam Result is 30 Nov 2015. 

Write an apology letter to a customer for bad service/mistake/late delivery - Restaurant/Hotel/E-Commerce

Every employee is a representative of your company and your brand, and a bad service experience of any kind will inevitably hurt the bottom line and lead to customer erosion.

The good news is that taking the time to craft a sincere customer apology letter for bad service can do more than just mend fences, it can also deliver a more loyal customer.

Keep in mind that perception is as important as reality when it comes to customer service, so even if you feel that your customer is unjustified in his or her complaint—APOLOGIZE!

Letter Notes 

Make sure to personalize the letter by addressing the recipient by name and not writing "Dear Customer"

Apologize and give a detailed account of the situation.

Acknowledge the hurt and damage done.

Take full responsibility and make it very clear that you were at fault.

Recognize your role in the situation with a detailed account of what happened without making excuses.

Promise that it won't happen again and why it's important that it doesn't.

Include a statement of regret.

Provide some form of restitution and a way of easing the pain caused.

End by thanking them and showing a willingness to do whatever is necessary to retain them as a customer.


This sample letter is easily modified to any situation. Use the 'Notes' to guide you and replace the details with your own situation.

Example: Apology Letter For Bad Service

Dear ______________,

Please accept my sincere apology on behalf of our company. I am very sorry to learn that your experience with Jane, our Customer Service Representative, was less than adequate. She should have handled the situation differently and transferred your call to someone with more authority.

I understand your frustration at having made a simple request to speak with a supervisor—someone who had the authority to fix the problem at hand. We let you down in that regard and for that, I am also sorry.

We take full responsibility for the situation and understand why Jane's offer to remedy the situation did not meet your expectations. Our Customer Service Representatives are given a set of guidelines for compensation that they are supposed to adhere to, however, in this case, clearly those standards were insufficient.

In this regard, we failed. We should have trained our staff so that they understood that under certain circumstances, they should immediately connect a customer with a supervisor who would override the standard guidelines and procedures.

Please be assured that this type of situation will never happen again. We have put new procedures in place as of today, that will ensure that any customer who wants to speak with someone more senior, for any reason, will be transferred immediately.

It's very important to us that our customers have access to anyone within the company, all the way up to senior management.

I regret that we provided you with bad service and a poor customer experience—it is the exact opposite of what we pride ourselves on. We value our customers and understand how important it is to offer exceptional service.

We have issued a full credit on your account and a coupon for 30% OFF of your next order as a gesture of our gratitude. We very much appreciate your business and hope that you will remain a valued customer.

I would like to thank you for bringing this to our attention. It will help us improve our operations and services.

If there are any other issues that need to be addressed, now or in the future, please don't hesitate to contact me personally by phone, email, or in person.


Raghu Ram Ranjan

Apology For Bad Product or Service Letter

Thank you for contacting us for the enclosed matter below. First we would like to express our deepest regret for the inconvenience caused by this unintentional and rare mistake. We are sorry that you were not satisfied by [our products or services] and we assure you that your complaint will be handled in a strict and serious way. We take full responsibility for the error and we guarantee that such incidents will not occur in the future.
[Write here a few sentences about the solution to the problem: replace the item, issue a refund etc…].
We value your business and we would like to retain you as a customer. Please accept our apologies. Thank you for your understanding in this unfortunate matter.

Apology Letter To Customer

This letter is regarding the [complaint/claim/letter] you [sent/submitted] on [some date]. Before even attempting to explain the reasons leading to this unintended mistake, I would like to sincerely apologize to you for any inconvenience this may have caused.
At [company name], customer satisfaction is something that we take very seriously and would never compromise under any circumstances. Unfortunately, sometimes unavoidable mistakes happen. In such rare cases, a satisfactory solution is always in place and preventable measures are introduced.
After a thorough review of your case, I have managed to pinpoint the reasons leading to this error. [Explain in two or three sentences why the error happened. Don’t make it long. The client is not really interested in the reasons, only in the resolution. But you should explain for the sake of completeness]. This is clearly a mistake from our side and we take full responsibility for it.
In our attempt to serve you better and retain you as one of our valuable customers, we are going to [state your resolution to the mistake: refund your money, give another item for free, provide you with the one-year subscription, etc…]. I hope you find these actions satisfactory and up to your expectations. This is the least that we can do to address the unintentional inconveniences that we caused.
As an extra measure to our unconditional commitment to customer satisfaction, we decided to [state measures and precautions that your company will take to prevent such errors in the future]. These precautions will ensure that such errors will not happen again in the future. This would not have been possible without you drawing our attention to your case. We take this opportunity to thank you for your feedback which allows us to serve you and other customers better.
We value your business and hope to retain you as a customer for many years to come.
Please always share your feedback with us; this is how we keep learning and improving. I am very confident that the next [letter / email] we receive from you will be that of appreciation.
Best Regards

Write better English and improve your career
Apology Letter To Customer

We would like to offer our deepest apologies for the trouble you had to experience with [company name]. This situation is not ordinary and these incidents are not typical of us. We are very serious when it comes to our client’s satisfaction and have a zero tolerance policy in this respect. We appreciate that you understand that mistakes sometimes happen despite the numerous checks and measures. We are very sorry that this happened to you but rest assured it won’t happen again.
After studying the matter, we found out that this error was the result of [explain the root cause of the error]. This is clearly a mistake at our end and we take responsibility for it.
Due to this unintentional error and as a token of appreciation to you as our client, we are going to [state your resolution to the mistake: refund your money, give another item for free, provide you with the one-year subscription, etc…]. This is the least that we can do to compensate for the inconvenience caused. We do hope this resolution fulfills your expectations and helps clear any deformed image you might have had about our products, services or customer service.
To make things even better, we have taken a number of measures to ensure that this error and similar mistakes do not happen again in the future. It is due to you that we have realized this and we thank you for sharing your experience with us. We prefer to learn and improve under better conditions, but sometimes this is just not possible.
One more time we apologize for this error and we hope to keep you as part of our valued customer base for a very long time.
Please do not hesitate to share your thoughts and feedback with us at any time. We are here for you.
Best Regards

Apology Letter To Customer

It is with great regret that I received your complaint regarding [some issue] and it surprises me that such an unfortunate incident has happened to one of our valued customers. I can’t describe to you how sorry and shocked I am to know about this. [Company name] owes you its deepest apologies. We take pride in our customer satisfaction and these mistakes are not in line with our philosophy.
A lot of time has been invested to determine the root cause of this error and my team and I reached the conclusion that this was mainly the result of [state the cause of the error without going into many details.] Of course, none of this is your fault and we take full responsibility for this error. As a result and as a token of our acceptance to this mistake, we will [refund your money, give you one year of free subscription, give you 50% on your next purchase, etc…] We hope this is sufficient to solve the issue and clear any remaining inconvenience.
Also as part of our continuous strive for perfection, we are implementing a number of checks and measures to ensure mistakes like these do not occur again. You deserve the best and we will make sure that you will get it with us.
Thank you for raising this matter and giving us an opportunity to perform even better.
If you have any questions or doubts, please do not hesitate to contact us at any time.
Best Regards

Apology Letter To Customer

I have received your complaint letter and I'm both shocked and disturbed. I'm really not used to writing apology letters to our customers; usually it's only "I'm glad you're happy" letters. But mistakes happen sometimes despite all the safeguards in place. In the event of such rare and unfortunate situations, we can only apologize and try to offer a suitable resolution. As a result, we've decided to [refund your money, give you a replacement, etc…]. I really hope this solution meets your expectations and corrects any deformed image of us.
To prevent such errors in the future, we are going to implement further safeguards and introduce additional checks. It's our ultimate goal that all of our customers go through an exceptionally gratifying experience. We will do whatever it takes to achieve that.
I want to thank you personally for sending your letter and enlighten us about flaws in our system. I would like to apologize once more and hope to have you as the customer for many years to come.

Apology Letter To Customer

I am really sorry that you weren't satisfied with our service. It's really unusual to receive complaint letters from our customers with all the care and attention that we give to each and every one. I'm really disturbed and totally understand your frustration. I want you to rest assured that we will handle your case in a strict manner and provide and satisfactory solution that will exceed your expectations.
Also, an investigation will be carried out to determine the root cause of the problem and implement the necessary safeguards to prevent it from happening again. Expect a call from me within [2 days].
We have a reputation of keeping our customers happy and we want to make sure it is kept upheld. Please accept my sincere apologies.

Apology Letter To Customer

I have received your complaint letter and I'm really sorry that we couldn't meet your expectations. This comes to me as a surprise due to the special attention that we give to each and every customer. It is not typical of us to write apology letters, so this situation is certainly unusual. Please accept my apologies for this mistake.
As a token of our regret, we are going to [refund your money, give you one month free, etc…]. I hope this solution is satisfactory and meets your expectations. We will do our best to ensure that such incidents won't repeat. Thank you very much for your business.

Apology Letter To Customer

I have received your complaint letter with great shock! I'm really sorry about your disappointment. There has to be a logical explanation to what happened as these incidents don't happen every day.
I'm going to investigate the matter and find out the true cause of this confusion. Your case will be dealt with in a strict and urgent fashion. Whatever the reasons are, a satisfactory solution will be provided. We don't compromise our customers' satisfaction under any circumstances and we will make sure that you'll walk away from this experience with a big smiling face.
Please allow for [2 days] while we carry out the necessary investigation and understand the situation. I will get back to you shortly and inform you about our findings and the steps that we will plan to take.

Apology Letter to Client

On behalf of everyone at [Company X], I want to apologize for the poor and inadequate service that you received from us. This situation is certainly unusual and we are really sorry for the inconvenience that may have caused. At [Company X] we strive for our client’s satisfaction and prioritize their needs.
As a result, we are going to [refund your money, extend your subscription, etc…]. We owe you this and if there is anything more that we can do in this regards, please do inform us.
It’s also worth knowing that we‘ll make sure that the people responsible for this are well aware of their mistake and its consequences. There is no compromise when it comes to the satisfaction of our clients.

Apology Letter to Client

We apologize for the interruption in service that you experienced on [some date]. This outage was due to reasons beyond our control. We do our best to provide the best possible level of service, but sometimes unpredictable pitfalls pop up out of nowhere and cause such incidents. We are sorry for any inconvenience this may have caused you.
As a result of this failure, we are planning some major improvements to our processes to prevent similar issues from happening again. We appreciate your understanding and cooperation. We value your business and wish to retain you as a customer for years to come.

Apology Letter to Client

Thank you for sharing your feedback with us. As I understood from you, our service was not on par with the level you’ve always been accustomed to. We deeply apologize for that and we are sorry that you were disappointed this time. We have set the standards way too high that even we sometimes fail to meet them.
This incident has been dually noted and the necessary precautions have been put in place as preventive measures. We are always keen to act proactively and plan ahead. We will make everything in our power to make sure this won’t happen again.
We value your business and wish to retain you as our client.

Apology Letter to Client

Please accept my apologies for the poor service you received from us on [some date]. I agree with you that it’s totally not acceptable; however, let me assure you that this is a singular incident. This is definitely not the way we normally conduct business.
In response to this unfortunate incident, we are going to [refund your money, extend your subscription, etc…]. Also, the involved parties will be notified of this failure and the dissatisfaction of the client.
We will make sure to implement additional precautions to improve our services. If there is anything that I can do for you, please inform me.
Thank you for your understanding. Looking forward to doing business with you again.

Apology Letter to Client

I would like to express my deepest regrets for the intentional mistake that you recently encountered. It’s not our habit to make such errors, but nothing is perfect after all. We acknowledge that the error is from our side and kindly ask you to accept our apology.
As, per our policies, you are entitled to a [refund, replacement, etc…]. I hope this resolution will compensate for the lost time and effort. We are doing everything we can to avoid such unfortunate situations. We are continuously learning from our mistakes to provide the best level of service to our clients.
If there is anything else that I can do for you in this matter, please inform me. We are always interested in listening to our clients and knowing their opinions. I am confident that your next feedback will a positive one. We value your business and wish to have you in our long list of satisfied clients. Thank you very much.

How can a developing nation become a superpower of the world?

The term" superpower " was almost innovated after the 2nd world war. Meaning the most powerful (nuclear) and influential nations. The pioneer being the USA and former USSR.
But does this term mean exactly the same and holds same significant today?
Maybe not.
Dear IBPS Clerk Candidates
IBPS Clerk prelims examination will commence from 5th December 2015.
With barely 2 weeks left for the exam and tensions running high, we have constantly been receiving queries from fellow MockBankers for preparation tips on how to clear IBPS Clerk 2015 in last 15 days. To address these concerns, we have come with a compact post on how to best utilize your time and ultimately clear IBPS Clerk Prelims.
We will start with a quick look at the pattern of prelims exam.
 Pattern of IBPS Clerk Prelims
Maximum Marks: 100
Test Duration: 1 Hour (60 mins)
Sections: The test will contain 3 sections, namely:
a)English: 30  questions.
b) Numerical Ability: 35 questions.
c) Reasoning: 35 questions.
The test will consist of 100 questions, with 1 marks awarded for each correct answer and 0.25 marks deducted for every wrong answer.
Tips for clearing IBPS Clerk Prelims 
1. The most important thing to remember is that marks of clerk prelims will not be added to your overall marks. This means you do not need to be the topper or score maximum marks in clerk prelims. Clearing the prelims is enough. With only a few days left, focus on the following three factors.
a. Time management- It is concerned with how do you attempt the question paper to ensure you do not miss any questions. How to divide the time among sections and in what order questions should be attempted?
b. Accuracy- As evident by IBPS PO Mains analysis , it is making sure that you minimise the number of wrong answers and negative marking, so that marks per question gets maximized
c. Speed- How to improve the speed to attempt questions faster? How to do quick calculations? How to increase reading speed?
Time Management
2. Manage your time in such a way that you are able to go through all the questions at least once in the exam. The reason behind it is there are many questions which are deliberately designed to be complex and end up grabbing the lion’s share of time. A good time management strategy helps you identify questions which are easier and hence, can be solved in less time.
3. For the perfect time management strategy we got in touch with candidates who cleared last year’s examination and came to the following conclusion
a) Go for the English section first. It takes minimum time and you should be able to complete it in 10-15 minutes max. section takes minimum time. You should be able to attempt it in about 10-15 minutes.
b) With English done in the first 10-15 minutes, you need to divide the next 45-50 minutes depending upon your subject preference. If you are good in Quant, allot more time to it and vice versa. The ideal time to attempt Quant and Reasoning section is 20-25 minutes.
c) So the order of attempt should be- English –  section you are confident of– then the section you are most scared of.
4. In individual sections,  attempt the questions in the following order: first the questions you know and can solve quickly, then the questions you think you can do but are time consuming. Remember never try and waste your time attempting the questions you are not confident of solving. There are a lot of other questions to solve and score. Your aim is to clear the paper, not top it.  You can attempt the questions in two phases –  in first phase attempt the questions which are easy and take less time to solve. In the second phase(if time permits) attempt questions which are hard. This way you will be able to clear sectional cutoffs and get a high score.
5. In English, only guess if you are at least 40-50% sure of the answer, i.e. you will be able to eliminate 2-3 options.
  • Focus on topics like Reading Comprehension, Cloze TestParajumbles .(click on topic to see tips and tricks)
  • Start with comprehension. This may take 5 minutes but has the highest accuracy. This will help you clear the sectional cutoff for English comfortably.
  • Attempt cloze test and parajumbles next to increase your overall score.
  • English section is the highest scoring section of IBPS Clerk Prelims.
6. For Quantitative Aptitude, there is no scope for guessing. Your aim is to have 100% accuracy. Attending less questions with higher accuracy is more rewarding than attempting more questions with less accuracy. Double check your solutions and be extremely conscious. Prepare the following topics for Quantitative Aptitude section of IBPS Clerk Prelims 2015. (Click on the topic to see concepts, tips tricks, video solutions and attempt quizzes)
7. Logical reasoning:  This section also requires 100% accuracy. Do not blindly try to solve all the questions and aim for the highest marks. Instead attempt questions from the following topics:
8. Although speed matters a lot, it can sometimes come at the cost of accuracy. Generally the following type of questions require speed.
a) Reading Comprehension: You can consider reading the questions first before reading the passage. This way, while reading the passage itself, you will be able to mark the answers and all questions will be done in only one reading of the passage.
b) Data interpretation- If the answers are numbers not close to each other, then you do not need to do accurate calculations. You can round off the numbers and do approximate calculations and mark the answer closest to the answer you calculated
c) Long calculations- You can work on speed mathematics. Memorize Tables till 20, squares till 30 and cubes till 15.
Click here for Speed Reading Tips and Tricks .
Mock Tests and Mentorships
9. In the last 15 days, attempt atleast 1 mock test daily with honesty for 1 hour duration. Appearing for mock tests help you gauge your preparation levels and help you improve upon them, if necessary.
10. Online mock tests simulate the official online exam scenario, enabling you to experience the exam in real time and get acquainted about navigation in the exam application. After attempting online mock test, you can evaluate your performance and identify which questions took the maximum time and avoid taking them in IBPS Clerk Prelims exam. You can also see your response vs the correct response and detailed solutions in the mock test. Follow this up with a mentorship call with expert to help address the critical lacunae in your preparation.

Competitive exams other than IBPS PO - what after IBPS exam?

My dear readers,

The IBPS PO Mains results(check here) announced brought immense celebration and happiness to selected candidates. But at the same time, these results also brought sadness and depression for candidates who couldn’t make it to the list. It left your dreams shattered and bruised your confidence badly. After all, you had also prepared as hard and performed on par with the candidates who got selected.

14 Most confusing days question asked in competitive exams IBPS SBI SSC RBI etc

CONFUSING DAYS: Questions asked in previous year exams 

•• National Youth Day: January 12 (IBPS PO 2013)
•• International Youth Day: August 12(IBPS PO 2013)
•• National Teachers' Day: September 5 (RBI 2014)

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So IBPS Mains 2015 is now over. We are waiting for result. Better start preparing for your interview. share your experience and let us discuss.

How/what to study for Economic and Social Issues for RBI Grade B Examination- Books, Study Material, and questions.

RBI Grade B Cut-off. Click me.
RBI Grade B Preparation Strategy. Click me.
RBI Grade B Phase 1 Preparation Help. Click me.
RBI Grade B Phase 2 Preparation Help. Click me
RBI Grade B Previous Year Question Papers. Click me

All the papers given here for RBI Grade B Exam are solved and have the answer (solutions in some cases) at the end of the respective file.

Economic and social Issues:
  1. Growth and Development 
  2. Measurement of growth: National Income and per capita income 
  3. Poverty Alleviation and Employment Generation in India
  4. Sustainable Development and Environmental issues. 
  5. Economic Reforms in India – Industrial and Labour Policy
  6. Monetary and Fiscal Policy – Privatization
  7. Role of Economic Planning. 
  8. Globalization – Opening up of the Indian Economy
  9. Balance of Payments, Export-Import Policy 
  10. International Economic Institutions
  11. IMF and World Bank – WTO – Regional Economic Cooperation.
  12. Social Structure in India
  13. Multiculturalism – Demographic Trends
  14. Urbanization and Migration – Gender Issues – Social Justice: Positive
  15. Discrimination in favor of the under privileged – Social Movements
  16. Indian Political System 
  17. Human Development – Social Sectors in India, Health and Education.

Suggested reference material for RBI Grade B Examination:

1. Indian Economy: Uma Kapila.(Series of Books)
2. Indian Economy: Mishra Puri. (Latest Edition)
3. Growth And Development: Devraj Ray
4. Sociology: C.N. Shankar Rao

News Papers to be read for RBI Grade B examination:
1. Economic Times
2. The Hindu
3. Business Standard

Weekly/Monthly Magazines/Bulletins /Reports for RBI Grade B examination:
1. Economic and Political Weekly
2. Southern Economist
3. Yojana
4. Business India
5. RBI Bulletins

Reports to study for RBI Grade B examination:
1. World Development Report
2. Economic Survey of India

If you have any question or view for Economic and Social Issues kindly let us know. We love to hear from you via comment below.

RBI Grade B 2015 Question Papers from Previous Year Examinations

As it is clear NowRBI is going to conduct A single day exam in Two Sessions and pattern will be the same as it was last year having 1/4th negative marking .You have only 88 hrs( 8 hrs a day )And GA is going to play an important role in This with 80 Marks .
Happy Dipawali
Update Over. 

Previous Years' Papers 

RBI Grade B 2015 marks 2014 last year cut-offs 2012, 2013 in detail sectional cutoff {RBI}

RBI Grade B Phase -1 2015 Cut-off

General - 88.50 (GA-20, Reas- 15, Quant- 7.50, English- 7.50)

Test wise and total cut – off marks in Phase- I (ON-LINE) examination held on November 22, 2015, for shortlisting the candidates for Phase-II examination for the post of Officers Grade-B (General)- DR-BY-2015  
(Maximum Marks = 80)
(Maximum Marks = 60)
(Maximum Marks = 30)
(Maximum Marks = 30)
TOTAL SCORE/ Aggregate
(Maximum Marks = 200)

Cut-offs for 2013-14 Recruitment

Cut-offs as disclosed by RBI for this year's exam 2013-14. Phase I for this was held in August 2013.

 Section  General OBC SC ST PH
 General Awareness(80) 36 32 30 30 30
 English(30) 14 12 11 11 11
 Quantitative Aptitude(60) 14 12 11 11 11
 Reasoning(30) 27 24 22 22 22
 TOTAL126  113 106 96 96

Cut-offs are provided as disclosed by RBI for last exam - 2011. Phase I for this was held in December 2011.

Phase I cut-off

Subject                     Sectional cutoff                Weightage
General Awareness           12                                   1.60
English                                   11                                   0.75
Quantitative Aptitude      06                                   0.75
Reasoning                            17                                   0.75

Aggregate (total weighted score)cut-off marks was 104 out of 200.

RBI Gr. B Cut-off. Click me.
RBI Gr. B Preparation Strategy. Click me.
RBI Gr. B Phase 1 Preparation Help. Click me.
RBI Gr. B Phase 2 Preparation Help. Click me
RBI Gr. B Previous Year Question Papers. Click me

Comment your score in the comments section below and compare your position among serious aspirants for RBI Grade B 2015.

  1. International Labour Day is observed on?(A) May 1 (B) April 29 (C) April 3 (D) May 2
  2. N.N.P. is equal to- (A)  G.N.P. + depreciation     (B)  G.N.P. + exports      C)  G.N.P. – depreciation     (D)  G.N.P. – exports
  3. Which of the following is not a method of calculating National Income in India? (A) Tax Method  (B)  Income Method (C) Production Method (D)  Expenditure Method 
  4. Under increasing returns the supply curve is- (A)  positively sloped from left to right   (B)  negatively sloped from left to right  (C)  parallel to the quantity axis   (D)  parallel to the price axis
  5. Name the largest employer in the world as per the report released by the World Economic Forum (WEF) during June 2015? (A)  Indian Railways   (B)  U.S. Dept. of Defense   (C)  Chinese Military   (D)  Indian Army   

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