IBPS Clerk Prelims 2019 – Model Question Paper

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English Language

Directions (Q. 1-7): In a passage given below now come to formalise this linking of new loans to
there are five blanks. Every blank has four external benchmarks like repo rate. We are
alternative words given in options (A), (B), (C) monitoring this and will be initiating necessary
and (D). You have to tell which pair of word will steps,” said Das. While some banks have announced
best suit to the respective blank. their plans to jump on to the bandwagon in the
A __(1)__from the Reserve Bank of India (RBI) has future, private banks and a few PSBs have not given
resulted in several public sector banks linking their any such hint, leaving their existing borrowers in a
home loans to the repo rate, a move that will benefit _(6)_.
borrowers in the case of a rate cut. Repo rate is the One of the market expert says “RLLR is being
rate at which banks borrow from the RBI. adopted by banks gradually. Hold on for a month or
The State Bank of India (SBI) __(2)_its repo-linked two and then evaluate the options.” Your existing
lending rate (RLLR) home loan in July. Bank of bank may soon launch a product, saving you
Baroda (BoB) and Syndicate Bank have followed the_(7)_and cost of switching to another bank.
suit, while other public sector banks (PSBs) like 1)
Union Bank of India, Canara Bank and Allahabad A) shove / hoard
Bank have announced their plans to launch RLLR- B) coax / cache
linked home loans soon. C) prod / stash
For long, banks have failed to pass on the RBI’s D) nudge/ push
policy rate cuts fully, but have been quick to raise E) None of these
rates when the reverse happens. The common reason
given by banks for this is the higher internal cost of 2)
funds. RLLR will plug this_(3)_, resulting in better A) massed / commended
transmission and__(4)_. B) rolled out / commenced
A shift to an external benchmark-linked lending rate C) congregated / consigned
was also delayed due to __(5)__on the part of banks D) flocked/ handed in
to implement the RBI’s proposal, originally meant E) None of these
to be effective from April.
Last week, RBI governor Shaktikanta Das 3)
emphasised the need for the entire banking system A)variation / semblance
to switch to the RLLR model. “I think the time has B) contradiction/ flatness

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 IBPS Clerk Prelims 2019 – Model Question Paper
C) disparity/ gap in prices(3) "The US-China trade war with new
D) inconsistency / similitude tariff announcement has (4)/.
E) None of these B) in both the domestic and overseas
market(1)/Gold prices jumped to a fresh six-year
4) high (2)/ may continue to go up in the future due to
A) articulacy/ tentativeness the uncertainties(3)/ on Monday and market Pundits
B)coyness /lucidity believe that the prices (4)/.
C) simplicity / timidity C) enamored by the glitter yet (1)/ Investment
D) transparency / precision advisors are not (2)/and they believe that investors
E) None of these should not (3)/invest in gold with high
expectations(4).
5) D) as an asset class, especially gold mutual funds
A) disinclination/reluctance because many(1)/ a diversification tool after the
B) snub / acquiescence yellow metal lost its sheen in the last five years(2)/
C) deference/loathness It is the time to take a second look at gold (3)/
D) aversion / inclination financial planners and investment consultants had
E) None of these stopped recommending gold as(4)/.
8) Which of the followings is the correct sequence
6) of the rearrangement of the sentence (A)?
A) predicament /deftness a) 3412
B) pickle / agility b) 4213
C)quandary /dilemma c) 2413
D) corner / dexterity d) 4312
E) None of these e) None of these.

7) 9) Which of the following is the correct sequence of

A) vexation / bequest the rearrangement of the sentence (D)?
B) aggravation/hassle a) 4132
C) infuriation / execution b) 1324
D) exasperation / endowment c) 3142
E) None of these d) 1234
e) None of these
Directions (8-12): Given below are four sentences
which are divided into several parts. Answer the 10) Which of the following is the correct sequence
following questions based on these given of the rearrangement of the sentence (B)?
statements. a) 1423
A) rushed for safe-haven assets and depreciating(1)/ b) 2143
pushed gold and silver prices to a new six-year high c) 4231
as investors (2)/Indian rupee has also helped the rise d) 2431
e) None of these

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 IBPS Clerk Prelims 2019 – Model Question Paper
(d) C-F
11) Which of the following is the correct sequence (e) A-E
of the rearrangement of the sentence (C)?
(a) 4132 14) On the front of display, there is a light sensor,
(b) 3142 which is used for sensing the __[I]_light and the
(c) 2134 sensor has far field microphones on both sides,
(d) 3124 which enable the Google Assistant to __[II]_ hear
(e) None of these. users when they speak voice commands.
Column [I] Column [II]
12) Rearrange the given four sentences in the proper (A) ambient (D)hoarsely
sequence to form a meaningful paragraph andalso (B) composed (E) unerringly
choose the one which doesn’t match the theme of (C) unruffled (F) gruffly
the passage so formed. (a) B-E
(a) CBA; D (b) C-D
(b) DCA; B (c) A-F
(c) CBD; A (d) C-F
(d) BDA; C (e) A-E
(e) None of these.
15) Most of us __[I]_ for coffee whenever we feel
Directions (13-18): In the questions below a anxious or nervous and that's what happened during
statement is given with two blanks in it. For each the women's singles __[II]_ between Venus
blank three alternatives are provided in the Williams and Elina Svitolina on Wednesday evening
columns. Choose the alternative from the which the American lost.
corresponding column that would fit the give Column [I] Column [II]
blanks to make the given sentence grammatically (A) duct (D) fixture
correct and contextually meaningful. (B) shaft (E) buzz
13) When you use your phone’s alarm to wake up in (C) crave (F) drone
the morning, you’re more likely to get __[I]_into (a) B-E
checking your email, texts, and social media but on (b) C-D
the other hand some experts suggest going without (c) A-F
your phone for 3 days can help you __[II]_bad (d) C-F
phone habits and find new, healthier things to do (e) A-E
instead.
Column [I] Column [II] 16) At the time of winding up of the company, the
(A) jolted (D) kick company discharges all of its dues first and after
(B) sucked (E) draw into that, the stockholders are paid off with the
(C) dribbled (F) gasp __[I]_amount and preferred stock holders get __[]__
(a) B-E over common stockholders.
(b) C-D Column [I] Column [II]
(c) B-D (A) residual (D)penchant

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 IBPS Clerk Prelims 2019 – Model Question Paper
(B) irrevocable (E) abhor Direction (19-24): From the options given below,
(C) steadfast (F) predilection select the option which states the correct
(a) B-E combination of incorrect/correct sentences.
(b) C-D 19)
(c) A-F (I) India embarked to its journey of ‘One Nation
(d) C-F One Tax’ with the introduction of the goods and
(e) A-E services tax (GST) in July 2017.
(II) The landmark legislation, which has completed
17) Earth is constantly changing from what it was two years, is the biggest tax reform in India after
millions of years ago and beyond these independence.
__[I]__changes, initiated by Nature itself, humans (III) Being a new legislation, the GST law posed
are continuously adapting the Planet to __[II]__their challenges for both the taxpayers as well as the tax
needs through careless interaction with their practitioners in the form of interpretation of law,
surrounding environment. classification of goods and services, admissibility of
Column [I] Column [II] input tax credit etc.
(A) premeditated (D) brash (IV) In order to ensure uniformity in central and
(B) spontaneous (E) accommodate state GST laws, the GST Act promulgated setting up
(C) intended (F) amorphous of a GST Council to recommend changes in the law
(a) B-E with consistent implementation by the central and
(b) C-D the state governments.
(c) A-F A) Both I and IV are correct
(d) C-F B) Both I and II are correct
(e) A-E C) Both II and III are correct
D) All I, II and III are incorrect
18) When the time comes to examine options and E) All I, II, III and IV are correct
make a decision, instead of rushing through the
process, you can take time to carefully consider each 20)
option and when you’re able to do that, you (I) Private sector lender HDFC Bank has revised
___[II]__ in your chances of making a bad decision. interest rates on fixed deposit (FD) maturities
Column [I] Column [II] below ₹2 crore with effect from today (30 August).
(A) retarding (D) divulge (II) This is the second time in a month that HDFC
(B) rendering (E) burgeon Bank is revised its FD rates.
(C) hastening (F) rein (III) The bank offers interest rates from 3.50% to
(a) B-E 7.10% on deposits, in maturities from seven days to
(b) C-D 10 years.
(c) A-F (IV) Senior citizens continue to get 50 basis points
(d) C-F higher interest rates than the general public.
(e) A-E A) Both I and IV are correct
B) Both I and II are correct
C) Both I and III are correct

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 IBPS Clerk Prelims 2019 – Model Question Paper
D) All I, II and III are incorrect (III) The trade war among the US and China will hit
E) All I, II, III and IV are correct Apple Inc. this weekend, dragging the largest US
technology company into a fracas.
21) (IV) President Donald Trump’s 15% China tariffs is
(I)Stressed mortgage lender Dewan Housing entered into the Federal Register on Friday, making
Finance Corp Ltd (DHFL) said its board approved the move official.
conversion of whole or part of its debt into equity A) Both I and IV are correct
shares even as the resolution plan is being working B) Both I and II are correct
out by lenders. C) Both II and III are correct
(II) India’s prolonged consumption slowdown and a D) All II, III and IV are incorrect
deteriorating global environment are delaying a E) All I, II, III and IV are correct
recovery in Asia’s third-largest economy, nudging
its government into action to supplement the central 23)
bank’s monetary stimulus. (I) The income tax department has said that an order
(III) Raise more capital will be crucial for Yes Bank circulates on social media about extension
to achieve regulatory balance between capital of income tax filing deadline is not genuine.
adequacy rules and business growth. (II) Taxpayers are advised to file returns towards
(IV) In order to accumulate a corpus to meet a extended due date of 31.08.2019.
financial goal, you would typically put aside a (III) According to the fake order circulating on
certain sum of money periodically, say monthly or social media, the income tax filing deadline has
annually, into financial products that meet your risk been extending to 30th September.
and return preference. (IV) If you file your return after the due date but
A) Both III and IV are correct before December 31 of the assessment year, you
B) Both I and III are incorrect will have to pay ₹5,000 as penalty.
C) Both I and II are correct A) Both I and IV are correct
D) All I, II and III are incorrect B) Both I and II are correct
E) All I, II, III and IV are correct C) Both II and III are correct
D) All I, II and III are incorrect
22) E) All I, II, III and IV are correct
(I) The consolidation in the banking sector will
create higher efficiencies through better utilization 24)
of capital, greater credit disbursal and focused (I) Zomato has not decided whether this facility will
customer service and fundamentally, we will have a be available to its existing Gold members or offered
cleaner, structurally robust and profitable banking as a separate programme to its customers.
system." (II) Its existing gold membership programme, which
(II) In our view, the announced capital infusion is is being opposed by restaurants, let customers avail
unlikely to been sufficient for taking these banks out special benefits on food and drinks.
of PCA(Prompt Corrective Action) in immediate (III) Such programmes tie the growth of the firm
future. with employees’ contribution towards it.

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 IBPS Clerk Prelims 2019 – Model Question Paper
(IV) Flipkart has received board approval to give its these accounts are seamlessly merged into the
current employees the chance to cash in 10% of financial system of the new merged bank, you
their vested stock options. would be required to change the details of your bank
A) Both I and IV are correct given for these purposes. A couple of years, when
B) Both I and III are correct five associate banks of State Bank of India (SBI)
C) Both II and III are correct were merged, IFSC codes and names of 1,300
D) All I, II and III are incorrect branches were changed. The banking behemoth has
E) All I, II, III and IV are correct changed the names and IFSC codes of branches
located in major cities such as Mumbai, New Delhi,
Directions (25-27): Read the given passage and Bengaluru, Chennai, Hyderabad, Kolkata and
answer the following questions based on the Lucknow. Those who had auto-debits running with
passage. these banks like systematic investment plans (SIPs)
With 27 public sector banks, including the second in mutual funds were impacted. This could be an
largest PNB, being merged and reduced to 12, issue that accountholders of the banks that will be
almost every other individual who has a savings merged now might face.
account or fixed deposit with a public sector bank is Credit/debit cards issued by the merging banks may
likely to be impacted. have to be exchanged for those of the merged entity
The finance minister in the press conference here although the former are likely to remain valid for the
today said that the 27 public sector banks existing in interim period to ensure no disruption in
2017 will be reduced to 12 after the mergers services.Paperwork and keeping financial trail of
announced are implemented. Merger of six smaller fixed deposits made will increase a bit as these will
PSBs with State Bank of India and the merger of be transferred into the merged bank.
Vijaya Bank, Dena Bank with Bank of Baroda has It is, however, not clear what will happen to the
already taken place. Therefore, 10 public sector interest rates of those who have loans running with
banks have already been reduced to two larger ones these banks as the MCLR rates are different for
i.e the post-merger SBI and post-merger BoB. different banks. Shareholders of the the publicly
The finance minister, Nirmala Sitharaman in her listed banks will be impacted. How much the
press briefing said that the creation of next- respective shareholders will be impacted will be
generation banks was imperative for India to known once the swap ratios are announced.
become a $5 trillion economy in the next five A plus point is that the branch network would
years. Here is how you are likely to be impacted: become larger so access to bank branches would
Get ready to change your cheque books as the become easier provided the merged entity does not
various banks get merged. While the existing cheque shut down all branches of merging banks. The
books may remain valid for sometime, ultimately combined entity of Punjab National Bank, Oriental
they will be replaced with the cheque books of the Bank of Commerce, and United Bank of India will
merged entity. become the second largest PSU bank in the country
You would have given your bank account numbers with the second largest bank branch network with
and IFSC codes for various financial transactions -- 11,437 branches. PNB will be the anchor bank. In
auto credit of dividends via ECS, auto-credit of the case of the consolidated Indian Bank and
salary, auto debit of various bills/charges etc. Unless Allahabad Bank entity it will be the seventh largest

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 IBPS Clerk Prelims 2019 – Model Question Paper
PSB. Canara and Syndicate Bank will also be Considering the recent numbers reported by
merged to become the fourth largest bank. Indian companies in India across several sectors, a
Bank and Allahabad Bank merged. The consolidated slowdown this fiscal is a threat. Maruti Suzuki,
Indian Bank and Allahabad Bank will become the India’s largest automobile company, has reported
seventh largest bank. 18.7% weaker domestic sales in April than those a
There is a section of accountholders who will not year ago. Hindustan Unilever and Dabur India have
impacted by these mergers. Sitharaman said that reported single-digit volume growth year-on-year in
Bank of India, Central Bank of India will continue the March quarter. The aviation sector in India has
as is. Indian Overseas Bank, UCO Bank, Bank of also been struggling. Growth in air passenger traffic
Maharashtra and Punjab and Sindh Bank will also fell for four straight months till March. In a sign of
continue to operate as is. weakness in the farm sector, domestic sales of
25) Passage has not suggested the solution of which Escorts’ tractors were down 18.2% to 4,986 units
of the following issues related to the national move from those a year ago. There are many reasons
of Banks Merger? behind the economic slowdown.
A) issues related to fixed deposits One reason is the dearth of jobs, along with job
B) issues related to cheque books insecurity and meager wage hikes. Note ban is also a
C) issues related to IFSC codes big factor. That exercise saw a lot of money being
D) issues related to interest rates on loans invested in real estate and gold. Many non-banking
E) issues related to debit/credit cards financial companies (NBFCs) borrowed heavily
when the system was flush with cash. As those
26) In the passage, according to the finance construction and infrastructure projects that these
ministry, which of the followings can be the reason NBFCs lent to got stuck for various reasons, the
behind the move of banks merger? developers could not pay them. NBFCs, in turn,
A) financial inclusion could not repay the banks and mutual funds. These
B) progress of banks NBFCs are unable to lend now. This is hurting
C) economic growth consumers, who are already worried because of job
D)improved customers’ satisfaction insecurity.
E) burden of bad loans on the banks The reasons are more than structural. People are
feeling insecure as jobs are no longer permanent.
27) Which of the following is the most opposite in They are thus not sure where they would live next.
the meaning to the given word “imperative” Flat incomes are also a worry.
A) indispensable Consumption patterns change. People reduce
B) trifling consumption of goods other than essentials. More
C) exigent sachets and smaller packets are bought. Some
D) pompous families may opt for “cord cutting", which means a
E) overweening reduction or doing away with DTH and cable
connections. People eat out less. Low-cost houses
Directions (28-30): Read the given passage and gain demand. Families that had earlier wanted to
answer the following questions based on the buy three-bedroom homes settle for two-bedroom
passage. options. People fly less and use trains. All this can

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 IBPS Clerk Prelims 2019 – Model Question Paper
hurt companies, leading to job losses as factories B) consumption patterns have changed as People
need fewer workers to run them. reduce consumption of goods other than essentials.
28) According to the passage, why did NBFCs C) NBFCs are able to fulfill the needs of consumers.
borrow heavily when there was a plenty of money D) None of the above
into the system? E) All are true
A) to maintain the minimum capital adequacy ratio
B) to invest in mutual funds 30) Which of the followings is the most similar in
C) to finance the construction companies the meaning to the given word “insecure”
D) to finance the automobile companies A) vigorous
E) to support aviation sector B) pushy
C) convinced
29) Which of the following statements is true in the D) apprehensive
context of the passage? E) assertive
A) Hindustan Unilever and Dabur India have
reported drop in the profit by 6.3% in March quarter
of this financial year.

Reasoning Ability
Direction (31-35): Study the following 32) What is the position of G with respect to B?
information carefully and answer the questions a) Second to the left
given below. b) Third to the left
A, B, C, D, E, F, and G are sitting in a straight line. c) Third to the right
Some of them are facing south and others are facing d) Second to the right
north. All the given information is not necessarily e) None of these
in the same order. 33) How many persons sit between F and D?
D sits second to the right of E, who sits at one of a) None
the extreme ends and both are facing the same b) One
direction. A sits fourth to the left of B. A is not an c) Two
immediate neighbour of D. F sits third to the left of d) Three
G. G is an immediate neighbour of D. B sits third to e) None of these
the right of C. F faces the same direction of G but 34) Which of the following statements is/are
opposite to A. More than three persons are facing true?
north. I. E and F are sitting at the extreme ends.
31) Who among the following person sits second II. A sits to the immediate left of C.
to the right of C? III. E faces south
a) A a) Only I
b) B b) Only II
c) C c) Only III
d) D d) Only I & II
e) None of these e) All I, II, and III are true.
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 IBPS Clerk Prelims 2019 – Model Question Paper
35) Four of the following are alike in a certain c) Two
way so form a group which of the following does d) Three
not belong to the group? e) None of these
a) F 39) Who among the following attends the class
b) C immediately after N?
c) A a) P
d) G b) Q
e) B c) R
d) M
Direction (36-40): Study the following e) None of these.
information carefully and answer the questions 40) Which one of the following combination is
given below. false?
M, N, O, P, Q and R are attending the class for a) Saturday - O
different days in week. The week starts from b) Thursday – N
Monday to Saturday. All the given information is c) Wednesday - Q
not necessarily in the same order. d) Monday - P
R attends the class one of the days after e) None of these
Wednesday. Only two persons attend the class
between P and N. O attends the class immediately Directions (41-44): Study the following
after R. P attends one of the days before N. Q does information carefully and answer the questions
not attend Tuesday. M attends one of the days given below.
before Q. Six Different coloured Boxes are placed one over
36) Who among the following person attends the another in a stack. There is only one box is placed
class on Tuesday? between Blue and Black colour box. Two Boxes are
a) M placed between Pink colour and Blue colour Box.
b) N Two boxes are placed between Orange and Yellow
c) O colour box which is placed just above the brown
d) P colour box. Pink colour box and Yellow are not at
e) None of these adjacent position. Black colour box is not placed at
37) R attends the class which one of the following top most position.
days? 41) What is the position of Orange colour box
a) Monday from the top?
b) Tuesday a) Second
c) Wednesday b) Third
d) Thursday c) First
e) None of these d) Fourth
38) How many persons attend the class between e) None of these
M and O? 42) If the weight of Blue colour box is 50 kg and
a) None the weight of Yellow colour box is 60kg then
b) One what can be the possible weight of Brown colour

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 IBPS Clerk Prelims 2019 – Model Question Paper
Box (Note: Weight of the box is increasing from e) None of these
bottom to top)? 46) If B is sister of F, then how T is related to B?
a) 48kg a) Nephew
b) 58kg b) Niece
c) 75 kg c) Daughter
d) None of these d) Son
e) 65kg e) Aunt
43) How many boxes are placed between Pink
and Yellow colour box? Directions (47-50): Study the following
a) One information carefully and answer the questions
b) Two given below.
c) Three In a certain coded language,
d) More than Three “All Flowers are Beautiful” is coded as “ta mn at
e) None nm”
44) In the given arrangement yellow colour box “They are good Health” is coded as “ab qm at ba”
is related with Pink colour box and blue colour “Health gives all thing” is coded as “qm fn mn gn”
box is related with Orange colour box in a “Flowers gives good smell” is coded as “ba an nm
certain way, then Black colour box is related fn”
with which of the following box? Note: All the codes are in two letter format
a) Yellow 47) What is the code for the word “Smell” in the
b) Orange given coded language?
c) Brown a) ba
d) Pink b) an
e) None of these c) fn
d) gn
Directions (45-46): Study the following e) Cannot be determined
information carefully and answer the questions 48) What can be the code for “Beautiful flowers
given below. gives great smell”?
Eight persons F, C, S, U, J, M, T and H belongs to a) an nm fn ta tr
three different generations but from the same b) nm fg ta at an
family. S is the son of H who is married T. T is only c) fn an ta ye nm
daughter of C. H has three children. U is married d) gh ta an fn fb
female. J is sister-in-law of U. M and J are siblings. e) Either (a) or (c)
F is the maternal grandfather of J. M is the son of 49) What is the code for the word “Good
H.M is unmarried person. Health” in the given coded language?
45) How is U related to H? a) qm bs
a) Daughter b) am qm
b) Niece c) ba qm
c) Sister-in-law d) ba rm
d) Daughter –in-law e) None of these

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 IBPS Clerk Prelims 2019 – Model Question Paper
50) If “good thing take more time” is coded as c) Third to the right
“hj bf gn ba gk” and “more worst time” is coded d) Second to the right
as “hj kl bf”, then what will be the code for e) None of these
“Worst take”? 53) Who among the following are sitting at
a) kl bf extreme right ends in each row?
b) gk hj a) K, P
c) hj gn b) O, P
d) None of these c) L, K
e) kl hj d) L, O
e) None of these
Direction (51-55): Study the following 54) Which of the following statements is/are
information carefully and answer the questions true?
given below. I. N likes Orange colour
I, J, K, L, M, N, O and P are sitting two parallel II. J is an immediate neighbour of K
lines. Four persons sit on the each row and the row III. P sits at extreme end.
1 faces north and row 2 faces south. Row 2 is in a) Only I
north of Row 1. Each one likes different colours i.e. b) Only II
Black, Blue, Yellow, Violet, Orange, Pink, Green c) Only III
and White. All the given information is not d) Only I & II
necessarily in the same order. e) All I, II, and III are true.
J sits second from one of the extreme ends but not 55) If M is related to Black, J is related to Violet
facing south. Only one person sits between J and K, in the same way who is related to yellow?
who likes Pink. Immediate neighbour of J faces I, a) L
who likes violet. P likes orange and sits second to b) N
the left of I. L likes Green. M is an immediate c) O
neighbour of J. The one who likes yellow faces the d) P
one who is to the immediate right of M. M does not e) None of these
like white. O likes black and sits second to the right
of N. L does not face the one who likes Violet. Direction (56-60): The following questions are
51) Which one of the following colour is liked by based on the following three digits numbers are
the one who sits second to the left of L? given below.
a) Black 257 934 536 863 575
b)Yellow 56) If ‘1’ is added to each of the odd digit, then
c) Blue which of the following is a Perfect Square?
d) Orange a) 257
e) None of these b) 863
52) What is the position of P with respect to the c) 575
one who likes Black? d) 934
a) Second to the left e) None
b) Third to the left

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 IBPS Clerk Prelims 2019 – Model Question Paper
57) If first digit is interchanged with third digit c) Two
within the each number then which of the d) Three
following is the second highest among all? e) None of these
a) 536 62) How many pairs of letters are there in the
b) 863 word “GROTESQUE” which has as many
c) 575 letters between them in the word as in
d) 934 alphabetical series both in forward and
e) None of these backward directions?
58) If all the digits are arranged in ascending a) None
order within the number, then what is the b) One
difference of highest and lowest number? c) Two
a) 354 d) Three
b) 364 e) More than three
c) 374
d) 318 Directions (63-65): In each of the following
e) None of these questions, assuming the given statements to be
59) If all the numbers are arranged in true, find out which of the two conclusions I and
descending order from right to left, then which II given below them is/are definitely true.
of the number is second from the left end? a) if only conclusion I is true.
a) 257 b) if only conclusion II is true.
b) 934 c) if either conclusion I or II is true.
c) 536 d) if neither conclusion I nor II is true.
d) 863 e) if both conclusions I and II are true.
e) 575 63) Statement:
60) What will be the resultant number if the A ≤B<C, C = D ≥ F, E < G = C
First digit of the highest number is divided by Conclusion:
the second digit of the second lowest number? I. B > E
a) 1 II. A < G
b) 2 64) Statement:
c) 3 P ≥ Q > R, S ≤ T < Q, U > V = S
d) 4 Conclusion:
e) None of these I. P > S
II. U < R
61) The position of how many alphabets will 65) Statement:
remain unchanged if each of the alphabets in the I = J ≥ K, L < M ≤ I, N > O ≥ L
word “MISCHIEVIOUS” is arranged in Conclusion:
alphabetical order from left to right? I. L > K
a) None II. N < I
b) One

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 IBPS Clerk Prelims 2019 – Model Question Paper
Numerical Ability
Direction (66 - 70): Study the following information carefully and answer the questions given below.
A bus is started travel from A to F. In between there is 4 stations where the bus loaded and unloaded
passengers. The details are given below.
400
359
350

300

250

200 Loaded
160 Unloaded
144
150 126
112
100
100
56
50 40
28
15
0 0
0
A B C D E F

66) Find the average number of passengers in d) A – B

all the station together. e) E – F
a) 90 69) Number of passengers travelled between A
b) 85 – B is approximately what percentage of
c) 100 number of passengers travelled between D – E?
d) 95 a) 42%
e) 75 b) 32%
67) Find the number of passenger travelled c) 48%
between D and E. d) 34%
a) 287 e) 24%
b) 299 70) Number of passengers loaded in B is
c) 359 approximately what percentage of number of
d) 458 passengers unloaded in F?
e) 235 a) 30%
68) In between which station the highest b) 38%
number of passengers travelled? c) 40%
a) B – C d) 54%
b) C – D e) 48%
c) D – E

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 IBPS Clerk Prelims 2019 – Model Question Paper
Directions (71 - 75): Read the following c) 7: 9
information carefully and answer the given d) 3: 5
questions. e) None of these
A certain number of students participated in dance 75) Find the total girls participated in dance
event from different schools viz. A, B and C. Total event
students in school A, B and C is 700, 200 and 300 a) 126
respectively. 10%, 20% and 33(1/3)% of students b) 124
from school A, B and C participated in dance event c) 122
respectively. In dance event, the ratio of the boys to d) 136
girls participated in each school is 2: 3. e) 114
71) What is the difference between the total
students not participated in school A to that of Directions (76 - 80): What value should come in
total boys participated in dance event in school the place of (?) in the following number series?
B? 76) 117, 140, ?, 186, 209
a) 628 a) 168
b) 632 b) 154
c) 614 c) 175
d) 604 d) 163
e) None of these e) 148
72) What is the average number of boys 77) 37, 76, 231, ?, 4645
participated in dance event for all the schools a) 564
together? b) 928
a) 32 c) 628
b) 42 d) 726
c) 16 e) 868
d) 28 78) 128, 569, ?, 1582, 2158
e) 24 a) 1026
73) Total girls participated in school B is what b) 1089
percentage of the total boys participated in c) 960
school C? d) 1331
a) 40% e) 1053
b) 60% 79) 13, ?, 104, 832, 13312
c) 20% a) 26
d) 50% b) 18
e) None of these c) 220
74) What is the ratio of total students in school C d) 96
to that of total students participated in dance e) 68
event in the given schools? 80) 1332, 1729, ?, 2745, 3376
a) 5: 7 a) 1896
b) 6: 11 b) 2057

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 IBPS Clerk Prelims 2019 – Model Question Paper
c) 2198 a) Quantity I > Quantity II
d) 2298 b) Quantity I ≥ Quantity II
e) 2458 c) Quantity I = Quantity II
Directions (81 - 85): What value should come in d) Quantity I < Quantity II
the place of (?) in the following questions? e) Quantity I ≤ Quantity II
81) 68% of 850 +? % of 460 = 670 86) Quantity I:A and B can do a piece of work in
a) 18 45 days and 36 days respectively. If they worked
b) 30 together in how many days the work will be
c) 10 completed?
d) 20 Quantity II:25 days
e) 2 87) Quantity I:12
82) 872-682 + √7744=? Quantity II: x2 = 144
a) 2833 88) Quantity I:x2 = 36
b) 3033 Quantity II:In how many different ways the letters
c) 3303 of the word “KEY” be arranged?
d) 3330 89) Quantity I: Simple interest on 2900 at the rate
e) 3430 of 13% per annum for 17 years.
83) 18 × 11 + 37 × 19 – 47 × 13 =? Quantity II: 6405
a) 300 90) Quantity I: The ratio of ages of A and B eight
b) 293 years ago is 4: 5. If their age difference is 8, find the
c) 280 sum of their present age.
d) 287 Quantity II: 88
e) 290
84) 69% of 3300 + 72 % of 3500 – 38 % of? = 91) A and B can do a piece of work in 18 days
2479 and 24 days respectively. They started to work
a) 6100 together, three days before the completion of
b) 6105 work A left the work, the work will be completed
c) 6001 in how many days?
d) 6205 a) 18 days
e) 6010 b) 9 days
85) (1189 ÷ 29) * (26/41) * ? = 884 c) 6 days
a) 36 d) 12 days
b) 44 e) 15 days
c) 34 92) The shopkeeper gave two successive
d) 38 discounts of 25 % and 12 % on selling an item.
e) 64 He gave totally Rs. 2346 discount. Then find the
Directions (86 - 90): Following questions have marked price of the item?
two quantities as Quantity I and Quantity II. a) 7000
You have to determine the relationship between b) 6900
them and give answer as, c) 8000

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 IBPS Clerk Prelims 2019 – Model Question Paper
d) 7300 97) A mixture of milk and water in a jar
e) 8700 contains 42 liters milk and 12 liters water. X liter
93) Raj goes to his school at the speed of 6 km/hr of milk and X liter of water is added to a new
and return back to home at the speed of 9 km/hr. mixture. If 45 % of new mixture is 31.5 liters,
If he takes 15 hours in all, then how far is the then find the value of X (In liters)?
school from his home? a) 7
a) 45 km b) 8
b) 27 km c) 9
c) 56 km d) 10
d) 63 km e) 5
e) 54 km 98) A bag contains 5 red, 3 blue and 4 pink balls.
94) A train crosses a pole in 18 sec and the same If two balls selected at random, find the
train crosses a platform of length 200 m in 30 probability that none of that balls are pink.
sec. Find the length of the train? a) 1/3
a) 300 m b) 1/11
b) 200 m c) 1/33
c) 250 m d) 5/33
d) 360 m e) 14/33
e) 240 m 99) Find the number of ways the word
“TEHSIL” be arranged, so that the vowels
95) The speed of a man in still water is 15 km/hr always come together.
and the speed of stream is 7 km/hr. The total a) 240
time taken by the man to go to a place and come b) 120
back is 45 hours. Find the distance covered by c) 48
the man (In km)? d) 24
a) 254 e) 720
b) 200 100) The largest and second largest angle of a
c) 264 triangle is in the ratio of 5: 4. The smallest angle
d) 240 is one third of the sum of largest and second
e) 280 largest angle of a triangle. Find the sum of the
96) A sum was put at certain rate of simple largest and smallest angle of a triangle?
interest for 4 years. If the interest would have a) 110°
been 4 % higher than the previous rate then Rs. b) 130°
4480 would have been earned more. Find the c) 120°
sum? d) 125°
a) 30000 e) 160°
b) 32000
c) 20000
d) 28000
e) 24000

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 IBPS Clerk Prelims 2019 – Model Question Paper

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Answers Key with Solutions

English Language

1. Answer: D
The meaning of “nudge” is “A light touch or push / drive.” hence both “nudge and push” are correct.
2. Answer: B
The meaning of “roll out” is “Officially launch or introduce a new product or service” hence both “rolled out and
commenced” are correct.
3. Answer: C
The meaning of “disparity” is “A great difference” hence both “disparityandgap” are correct.
4. Answer: D
The meaning of “transparency” is “The condition of being transparent” hence both “transparency and precision” are
correct.
5. Answer: A
The meaning of “disinclination” is “Unwillingness or disinclination to do something” hence both “disinclination and
reluctance” are correct.
6. Answer: C
The meaning of “quandary” is “A state of perplexity or uncertainty over what to do in a difficult situation” hence
both “quandary and dilemma” are correct.
7. Answer: B
The meaning of “aggravation” is “Annoyance or exasperation” hence both “aggravationand hassle” are correct.
8. Answer: B
9. Answer: C
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 IBPS Clerk Prelims 2019 – Model Question Paper

10. Answer: D
11. Answer: C
12. Answer: D
B) Gold prices jumped to a fresh six-year high on Monday and market Pundits believe that the prices may continue to
go up in the future due to the uncertainties in both the domestic and overseas market.
D) It is the time to take a second look at gold as an asset class, especially gold mutual funds because many financial
planners and investment consultants had stopped recommending gold as a diversification tool after the yellow metal
lost its sheen in the last five years.
A) "The US-China trade war with new tariff announcement has pushed gold and silver prices to a new six-year high
as investors rushed for safe-haven assets and depreciating Indian rupee has also helped the rise in prices.
C) Investment advisors are not enamored by the glitter yet and they believe that investors should not invest in gold
with high expectations.
This passage is about gold price. According to passage, market experts say that due to the insecurity and uncertainties
in the domestic and global markets, gold price may continue to increase. It is the time to re-evaluate the gold as an
asset class to invest as financial consultants stopped recommending gold as diversification tool. Due to the US-China
trade war with new tariff announcement, investors are moving towards safe assets and this has increased the gold
prices and decrease in the value of Indian currency is also the reason for the increase in gold prices.
13. Answer: C
The meaning of “suck” is “Involve (someone) in something without their choosing” and the meaning of “kick” is
“Succeed in giving up (a habit or addiction)”.
14. Answer: E
The meaning of “ambient” is “Relating to the immediate surroundings of something” and the meaning of “unerring”
is “Always right or accurate”.
15. Answer: B
The meaning of “crave” is “Feel a powerful desire for (something)” and the meaning of “fixture” is “a sports event
that happens at a regular time and place”.
16. Answer: C
The meaning of “residual” is “Remaining after the greater part or quantity has gone” and the meaning of
“predilection” is “A preference or special liking for something; a bias in favour of something”.
17. Answer: A
The meaning of “spontaneous” is “Having an open, natural, and uninhibited manner.” and the meaning of
“accommodate” is “to provide enough space for something or someone”.
18. Answer: D
The meaning of “hasten” is “Be quick to do something” and the meaning of “rein” is “Keep under control; restrain.”.
19. Answer: C
In statement (I) in place of “to” it should be “on”. In statement (IV) in place of “with” it should be “for”.
20. Answer: A
In statement (II) in place of “is” it should be “has”. In statement (III) in place of “in” it should be “with”.
21. Answer: B
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 IBPS Clerk Prelims 2019 – Model Question Paper

In statement (I) in place of “working” it should be “worked”. In statement (III) in place of “raise” it should be
“raising”.
22. Answer: D
In statement (II) in place of “been” it should be “be”. In statement (III) in place of “among” it should be “between”.
In statement (IV) in place of “is” it should be “were”.
23. Answer: D
In statement (I) in place of “circulates” it should be “circulating”. In statement (II) in place of “towards” it should be
“within”. In statement (III) in place of “extending” it should be “extended”.
24. Answer: B
In statement (II) in place of “let” it should be “lets”. In statement (IV) in place of “in” it should be “out”.
25. Answer: D
According to the passage it is not clear what will happen to the interest rates of loans running with these banks as the
MCLR rates are different for different banks.
26. Answer: C
According to the finance ministry, economic growth can be the reason behind banks merger as it is given in the
passage the finance minister, Nirmala Sitharaman in her press briefing said that the creation of next-generation banks
was imperative for India to become a $5 trillion economy in the next five years.
27. Answer: B
The meaning of “imperative” is “crucial/ very important” and its opposite is “trifling/trivial”.
28. Answer: C
It is given in the passage that Many non-banking financial companies (NBFCs) borrowed heavily when the system
was flush with cash. As those construction and infrastructure projects that these NBFCs lent to got stuck for various
reasons, the developers could not pay them.
29. Answer: B
It is given in the passage that Consumption patterns change. People reduce consumption of goods other than
essentials. More sachets and smaller packets are bought.
30. Answer:D
The meaning of “apprehensive” is “Anxious or fearful that something bad or unpleasant will happen”.

Reasoning Ability
Direction (1-5):

31) Answer: D
32) Answer: A
33) Answer: D
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 IBPS Clerk Prelims 2019 – Model Question Paper

34) Answer: E
35) Answer: C
Explanation:
D sits second to the right of E, who sits at one of the extreme ends and both are facing the same direction.

A sits fourth to the left of B.

A is not an immediate neighbour of D.

F sits third to the left of G.

G is an immediate neighbour of D.
B sits third to the right of C.

F faces the same direction of G but opposite to A.

More than three persons are facing north.

Incase1, More than three persons are facing north, this condition is not satisfied, so this case is rejected.
And the final solution is Case2.

Direction (36-40):

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 IBPS Clerk Prelims 2019 – Model Question Paper

36) Answer: A
37) Answer: E
38) Answer: D
39) Answer: C
40) Answer: E
Explanation:
R attends the class one of the days after Wednesday.
O attends the class immediately after R.

Only two persons attend the class between P and N.

P attends one of the days before N.

Q does not attend Tuesday.

M attends one of the days before Q.

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 IBPS Clerk Prelims 2019 – Model Question Paper

Incase 1, M attends one of the days before Q, this condition is not satisfied so, the case 1 is rejected.

Directions (11-14):

41) Answer: D
42) Answer: B
43) Answer: D
44) Answer: C
Explanation:
 There is only one box is placed between Blue and Black colour box.

 Two Boxes are placed between Pink colour and Blue colour Box.

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 IBPS Clerk Prelims 2019 – Model Question Paper

 Two boxes are placed between Orange and Yellow colour box which is placed just above the brown colour
box.
 Pink colour box and Yellow are not at adjacent position.
 Black colour box is not placed at top most position.

Directions (45-46):
45. Answers: D
Explanation:

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 IBPS Clerk Prelims 2019 – Model Question Paper

46. Answers: B
Explanation:

Directions (47-50):

47) Answers: B
48) Answers: E
49) Answers: C
50) Answers: D

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 IBPS Clerk Prelims 2019 – Model Question Paper

Direction (51-55):

51) Answer: C
52) Answer: B
53) Answer: D
54) Answer: C
55) Answer: A
Explanation:
J sits second from one of the extreme ends but not facing south.
Only one person sits between J and K, who likes Pink.

Immediate neighbour of J faces I, who likes violet.

P likes orange and sits second to the left of I.

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 IBPS Clerk Prelims 2019 – Model Question Paper

N is an immediate neighbour of J.
O likes black and sits second to the right of N.

The one who likes yellow faces the immediate right of M.

L likes Green.
M does not like white.
L does not face the one who likes Violet.

L does not face the one who likes Violet; this condition is not satisfied so the case1 is rejected.
And the final solution is case 2.
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 IBPS Clerk Prelims 2019 – Model Question Paper

Direction (56-60): 62) Answer: D

56. Answer: E
268, 1044, 646, 864, 686
57. Answer: A
752, 439, 635, 368, 575
58. Answer: E
257, 349, 356, 368, 557 63) Answer: B
557-257= 300 I. B > E (B < C = G > E)  False
59. Answer: C II. A < G (A ≤ B < C = G)  True
257, 536, 575, 863, 934 64) Answer: A
60. Answer: C I. P > S (P ≥ Q> T ≥ S) True
934  first digit of highest number II. U<R (U > V = S ≤ T < Q> R)  False
536  Second digit of second lowest number 65) Answer: D
9/3=3 I = J ≥ K, L < M ≤ I, N > O ≥ L
I. L > K (L < M ≤ I= J ≥ K)  False
61) Answer: C II. N < I (N > O ≥ L< M ≤ I)  False

Numerical Ability

66). Answer: D
Required average = (126 + 144 + 28 + 112 + 160)/6 = 95
67). Answer:B
Required number of passengers = 126 + 144 - 56 + 28 – 40 + 112 - 15 = 299
68). Answer:E
Number of passengers travelled between,
A – B = 126
B – C = 126 + 144 – 56 = 214
C – D = 126 + 144 – 56 + 28 – 40 = 202
D – E = 126 + 144 – 56 + 28 – 40 + 112 – 15 = 299
E – F = 126 + 144 – 56 + 28 – 40 + 112 – 15 + 160 – 100 = 359
69). Answer:A
Number of passengers travelled between,
A – B = 126
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D – E = 126 + 144 – 56 + 28 – 40 + 112 – 15 = 299

Required % = 126/299 * 100 = 42%
70). Answer:C
Required % = 144/359 * 100 = 40%
Directions (71 - 75):
Schools Total Students participated in dance Students not participated in
event dance event

Total Boys Girls

A 700 70 28 42 630
B 200 40 16 24 160
C 300 100 40 60 200

71). Answer: C
Required difference = 630 – 16 = 614
72). Answer: D
Required average = (28 + 16 + 40)/3 = 84/3 = 28
73). Answer: B
Required percentage = 24/40 * 100 = 60%
74). Answer: E
Required ratio = 300: (70 + 40 + 100)
= 300: 210 = 10: 7
75). Answer: A
Required total = 42 + 24 + 60 = 126
Directions (76 to 80):
76). Answer: D
117 140 163 186 209
23 23 23 23
77). Answer: B
37 * 2 + 2 = 76
76 * 3 + 3 = 231
231 * 4 + 4 =928
928 * 5 + 5 = 4645
78). Answer: E
128 569 1053 1582 2158
441 484 529 576
2 2
21 22 232 242
79). Answer: A 26 * 4 = 104
13 * 2 = 26 104 * 8 = 832
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832 * 16 = 13312 x2 = 144

80). Answer: C x = +12, -12
113 + 1 = 1332 Quantity I ≥Quantity II
123 + 1 = 1729 88). Answer: E
133 + 1 = 2198 Quantity I:
143 + 1 = 2745 x2 = 36
153 + 1 = 3376 x = -6, 6
Directions (81 to 85): Quantity II:
81). Answer: D Required number of ways = 3! = 6
68% of 850 +? % of 460 = 670 Quantity I ≤ Quantity II
578 + ? % of 460 = 670 89). Answer: A
? = 20 Quantity I:
82). Answer: B SI = pnr/100
872- 682+ √7744 = ? = 2900 * 13/100 * 17
7569 - 4624 + 88 = 3033 = 6409
83). Answer: E Quantity II:
18 × 11 + 37 × 19 – 47 × 13 =? 6405
198 + 703 – 611 = ? Quantity I>Quantity II
? = 290 90). Answer: C
84). Answer: A Quantity I:
69% of 3300 + 72 % of 3500 – 38 % of ? = 2479 Five years ago,
2277 + 2520 – 38/100 * ? = 2479 A’s age = 8/1 * 4 = 32
? = 6100 B’s age = 8/1 * 5 = 40
85). Answer: C Required sum = 32 + 40 + 16 = 88
(1189 ÷ 29) * (26/41) * ? = 884 Quantity II:
41 * 26/41 * ? = 884 88
? = 34 Quantity I = Quantity II
Directions (86 to 90): 91). Answer: D
86). Answer: D Let x be total number of days,
Quantity I: Then
A and B’s one day work = 1/45 + 1/36 = 9/180 = 1/20 (x – 3)/18 + x/24 = 1
The work will be completed in 20 days. (4x – 12 + 3x)/72 = 1
Quantity II: 7x = 84
25 days x = 12
Quantity I<Quantity II 92). Answer: B
87). Answer: B Let the marked price be 100,
Quantity I: Selling price = 100 * (75/100) * (88/100) = 66
12 Discount = 34
Quantity II: Marked price of the item = (2346/34) * 100 = Rs. 6900
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93). Answer: E = >264 km

Let the distance between his home and school be x km, 96). Answer: D
x/6 + x/9 = 15 Let the sum be x and the rate of interest be r %,
(9x + 6x) / 54 = 15 [(x * (r + 4) * 4) / 100] – [(x * r * 4) / 100] = 4480
15x / 54 = 15 (4xr/100) + (16x/100) – (4xr/100) = 4480
x = 54 (16x/100) = 4480
The distance between his home to school = 54 km x = (4480 * 100) / 16 = Rs. 28000
94). Answer: A 97). Answer: B
Let the length of train be x, (45/100) * New mixture = 31.5
Here, the speed of the train is equal. So, New mixture = 31.5 * (20/9) = 70 liters
(x / 18) = (x + 200) / 30 Given,
30x = 18x + 3600 42 + X + 12 + X = 70
12x = 3600 54 + 2X = 70
x = 300 2X = 16
The length of the train (x) = 300 m X=8
95). Answer: C 98). Answer: E
The speed of a man in still water = 15 km/hr Required probability = 8C2/12C2
The speed of stream = 7 km/hr = (8 * 7)/(12 * 11) = 14/33
The speed of downstream = 15 + 7 = 22 km/hr 99). Answer: A
The speed of upstream = 15 – 7 = 8 km/hr Required number of ways = 5! 2!
(x / 22) + (x / 8) = 45 = 240
(8x + 22x) = 45 * 22 * 8 100). Answer: C
30x = 45 * 22 * 8 The largest and second largest angle of a triangle is in the
x = 264 km ratio = 5: 4 (5x, 4x)
(Or) The smallest angle of a triangle = (1/3) * 9x = 3x
Distance = Time * [(Speed of Still water2 – speed of 3x + 4x + 5x = 180°
Stream2) / (2 * Speed of Still water)] 12x = 180°
Distance = 45 * [(152 – 72) / (2 * 15)] x = 15°
= >45 * [(225 – 49) / 30] The sum of the largest and smallest angle of a triangle
= >45 * (176 / 30) = >5x + 3x = 120°

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